Home > Southeast First National Bank > Performance and Condition Ratios
Southeast First National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5592% | 4,375 |
| Cost of funding earning assets | 0.7784% | 3,790 |
| Net interest margin | 2.7809% | 3,700 |
| Noninterest income to average assets | 0.8500% | 838 |
| Noninterest expense to average assets | 2.7953% | 1,508 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.6748% | 3,252 |
| Return on assets (ROA) | 0.6748% | 3,235 |
| Pretax return on assets | 0.7139% | 3,407 |
| Return on Equity (ROE) | 5.6900% | 3,586 |
| Retained earnings to average equity (ytd only) | 4.5939% | 2,755 |
| Net charge-offs to loans | 0.0060% | 2,476 |
| Credit loss provision to net charge-offs | 1,200.0000% | 349 |
| Earnings coverage of net charge-offs (x) | 451.0000% | 316 |
| Efficiency ratio | 79.2166% | 968 |
| Assets per employee ($millions) | 3.2859% | 4,331 |
| Cash dividends to net income (ytd only)* | 19.2771% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7663% | 571 |
| Loan loss allowance to noncurrent loans | 505.1724% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.0929% | 2,904 |
| Noncurrent loans to loans | 0.3497% | 1,932 |
| Net loans and leases to total assets | 26.1000% | 4,349 |
| Net loans and leases to deposits | 29.7473% | 4,358 |
| Net loans and leases to core deposits | 33.6611% | 4,366 |
| Total domestic deposits to total assets | 87.7400% | 1,441 |
| Equity capital to assets | 11.9873% | 1,124 |
| Core capital (leverage) ratio | 12.5969% | 1,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $61,496,200 | 4,194 |
| Average earning assets | $59,226,000 | 4,150 |
| Average equity | $7,292,200 | 4,012 |
| Average total loans | $16,738,200 | 4,332 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4715% | 4,399 |
| Cost of funding earning assets | 0.6554% | 3,855 |
| Net interest margin | 2.8160% | 3,705 |
| Noninterest income to average assets | 1.0800% | 567 |
| Noninterest expense to average assets | 2.6530% | 1,789 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.9119% | 2,638 |
| Return on assets (ROA) | 0.9119% | 2,623 |
| Pretax return on assets | 1.1208% | 2,501 |
| Return on Equity (ROE) | 7.7100% | 3,261 |
| Retained earnings to average equity (ytd only) | 6.2393% | 2,557 |
| Net charge-offs to loans | 0.0079% | 2,117 |
| Credit loss provision to net charge-offs | 900.0000% | 427 |
| Earnings coverage of net charge-offs (x) | 524.0000% | 298 |
| Efficiency ratio | 69.9369% | 1,793 |
| Assets per employee ($millions) | 3.6953% | 4,272 |
| Cash dividends to net income (ytd only)* | 19.0931% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6335% | 821 |
| Loan loss allowance to noncurrent loans | 491.5254% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 2,952 |
| Noncurrent loans to loans | 0.3323% | 2,039 |
| Net loans and leases to total assets | 27.8000% | 4,353 |
| Net loans and leases to deposits | 31.6904% | 4,357 |
| Net loans and leases to core deposits | 34.7772% | 4,343 |
| Total domestic deposits to total assets | 87.7200% | 1,660 |
| Equity capital to assets | 11.8195% | 1,085 |
| Core capital (leverage) ratio | 12.4535% | 1,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $61,262,000 | 4,216 |
| Average earning assets | $58,994,000 | 4,168 |
| Average equity | $7,244,250 | 4,017 |
| Average total loans | $16,775,750 | 4,352 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4388% | 4,397 |
| Cost of funding earning assets | 0.4722% | 4,031 |
| Net interest margin | 2.9666% | 3,518 |
| Noninterest income to average assets | 1.5500% | 310 |
| Noninterest expense to average assets | 2.5946% | 1,943 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.4487% | 1,216 |
| Return on assets (ROA) | 1.4487% | 1,203 |
| Pretax return on assets | 1.7912% | 1,028 |
| Return on Equity (ROE) | 12.2500% | 2,079 |
| Retained earnings to average equity (ytd only) | 10.0223% | 1,396 |
| Net charge-offs to loans | 0.0122% | 1,740 |
| Credit loss provision to net charge-offs | 600.0000% | 572 |
| Earnings coverage of net charge-offs (x) | 550.0000% | 265 |
| Efficiency ratio | 58.8939% | 3,087 |
| Assets per employee ($millions) | 3.5004% | 4,348 |
| Cash dividends to net income (ytd only)* | 18.1818% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7501% | 678 |
| Loan loss allowance to noncurrent loans | 278.6408% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 2,342 |
| Noncurrent loans to loans | 0.6281% | 1,190 |
| Net loans and leases to total assets | 27.0800% | 4,377 |
| Net loans and leases to deposits | 31.0784% | 4,384 |
| Net loans and leases to core deposits | 34.2925% | 4,358 |
| Total domestic deposits to total assets | 87.1200% | 1,892 |
| Equity capital to assets | 12.4878% | 928 |
| Core capital (leverage) ratio | 12.6544% | 1,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $60,742,667 | 4,241 |
| Average earning assets | $58,450,000 | 4,196 |
| Average equity | $7,184,000 | 4,050 |
| Average total loans | $16,450,000 | 4,379 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2177% | 4,480 |
| Cost of funding earning assets | 0.2642% | 4,273 |
| Net interest margin | 2.9535% | 3,688 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.6075% | 1,934 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.2738% | 4,281 |
| Return on assets (ROA) | 0.2738% | 4,250 |
| Pretax return on assets | 0.3520% | 4,202 |
| Return on Equity (ROE) | 2.3800% | 4,256 |
| Retained earnings to average equity (ytd only) | -2.1528% | 4,214 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.5274% | 439 |
| Assets per employee ($millions) | 4.4605% | 4,043 |
| Cash dividends to net income (ytd only)* | 190.4762% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7213% | 773 |
| Loan loss allowance to noncurrent loans | 168.6391% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.2706% | 1,790 |
| Noncurrent loans to loans | 1.0207% | 711 |
| Net loans and leases to total assets | 26.0600% | 4,449 |
| Net loans and leases to deposits | 29.4393% | 4,456 |
| Net loans and leases to core deposits | 31.4684% | 4,434 |
| Total domestic deposits to total assets | 88.5100% | 1,734 |
| Equity capital to assets | 11.3136% | 1,220 |
| Core capital (leverage) ratio | 11.8461% | 1,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $61,361,000 | 4,294 |
| Average earning assets | $59,048,000 | 4,247 |
| Average equity | $7,060,500 | 4,118 |
| Average total loans | $16,475,500 | 4,439 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7917% | 4,330 |
| Cost of funding earning assets | 0.1751% | 3,956 |
| Net interest margin | 2.6166% | 4,152 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.7040% | 1,546 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.1409% | 4,486 |
| Return on assets (ROA) | 0.1409% | 4,474 |
| Pretax return on assets | 0.1409% | 4,485 |
| Return on Equity (ROE) | 1.2700% | 4,464 |
| Retained earnings to average equity (ytd only) | 0.1541% | 4,318 |
| Net charge-offs to loans | 0.0066% | 2,163 |
| Credit loss provision to net charge-offs | 1,200.0000% | 377 |
| Earnings coverage of net charge-offs (x) | 103.0000% | 962 |
| Efficiency ratio | 94.4324% | 222 |
| Assets per employee ($millions) | 4.0183% | 4,279 |
| Cash dividends to net income (ytd only)* | 87.9121% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7201% | 779 |
| Loan loss allowance to noncurrent loans | 512.7273% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.0912% | 2,910 |
| Noncurrent loans to loans | 0.3355% | 1,949 |
| Net loans and leases to total assets | 26.7300% | 4,463 |
| Net loans and leases to deposits | 30.2994% | 4,469 |
| Net loans and leases to core deposits | 32.3931% | 4,444 |
| Total domestic deposits to total assets | 88.2200% | 2,007 |
| Equity capital to assets | 11.7063% | 1,019 |
| Core capital (leverage) ratio | 11.3301% | 1,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $64,607,600 | 4,286 |
| Average earning assets | $62,256,800 | 4,235 |
| Average equity | $7,137,400 | 4,193 |
| Average total loans | $15,100,400 | 4,482 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5861% | 4,402 |
| Cost of funding earning assets | 0.1725% | 3,597 |
| Net interest margin | 2.4135% | 4,308 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.5066% | 2,001 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.1746% | 4,496 |
| Return on assets (ROA) | 0.1746% | 4,463 |
| Pretax return on assets | 0.2030% | 4,459 |
| Return on Equity (ROE) | 1.6000% | 4,445 |
| Retained earnings to average equity (ytd only) | 0.1118% | 4,320 |
| Net charge-offs to loans | 0.0090% | 1,793 |
| Credit loss provision to net charge-offs | 900.0000% | 433 |
| Earnings coverage of net charge-offs (x) | 109.0000% | 906 |
| Efficiency ratio | 91.8899% | 278 |
| Assets per employee ($millions) | 4.0248% | 4,305 |
| Cash dividends to net income (ytd only)* | 93.0233% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6670% | 929 |
| Loan loss allowance to noncurrent loans | 507.2727% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 3,070 |
| Noncurrent loans to loans | 0.3286% | 2,053 |
| Net loans and leases to total assets | 25.5600% | 4,518 |
| Net loans and leases to deposits | 28.7622% | 4,516 |
| Net loans and leases to core deposits | 30.6167% | 4,501 |
| Total domestic deposits to total assets | 88.8600% | 2,149 |
| Equity capital to assets | 10.9215% | 1,207 |
| Core capital (leverage) ratio | 11.0260% | 1,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $65,690,750 | 4,304 |
| Average earning assets | $63,363,250 | 4,256 |
| Average equity | $7,157,750 | 4,236 |
| Average total loans | $14,777,000 | 4,518 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3536% | 4,491 |
| Cost of funding earning assets | 0.1724% | 3,286 |
| Net interest margin | 2.1812% | 4,455 |
| Noninterest income to average assets | 0.5233% | 2,074 |
| Noninterest expense to average assets | 2.3562% | 2,383 |
| Loan and lease loss provision to assets | 0.0181% | 2,277 |
| Net operating income to assets | 0.2238% | 4,393 |
| Return on assets (ROA) | 0.2238% | 4,352 |
| Pretax return on assets | 0.2541% | 4,346 |
| Return on Equity (ROE) | 2.0557% | 4,349 |
| Retained earnings to average equity (ytd only) | -0.1667% | 4,197 |
| Net charge-offs to loans | 0.0142% | 1,483 |
| Credit loss provision to net charge-offs | 600.0000% | 563 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 868 |
| Efficiency ratio | 89.6433% | 424 |
| Assets per employee ($millions) | 3.9495% | 4,394 |
| Cash dividends to net income (ytd only)* | 108.1081% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9554% | 603 |
| Loan loss allowance to noncurrent loans | 1,623.5294% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 3,737 |
| Noncurrent loans to loans | 0.1204% | 3,129 |
| Net loans and leases to total assets | 20.6115% | 4,644 |
| Net loans and leases to deposits | 23.1031% | 4,654 |
| Net loans and leases to core deposits | 24.2879% | 4,642 |
| Total domestic deposits to total assets | 89.2154% | 2,081 |
| Equity capital to assets | 10.5984% | 1,391 |
| Core capital (leverage) ratio | 10.6216% | 1,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,122,333 | 4,339 |
| Average earning assets | $63,817,667 | 4,306 |
| Average equity | $7,199,333 | 4,295 |
| Average total loans | $14,123,667 | 4,594 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0641% | 4,596 |
| Cost of funding earning assets | 0.1704% | 3,213 |
| Net interest margin | 1.8937% | 4,580 |
| Noninterest income to average assets | 0.9145% | 819 |
| Noninterest expense to average assets | 2.0362% | 3,338 |
| Loan and lease loss provision to assets | 0.0183% | 2,028 |
| Net operating income to assets | 0.5670% | 3,502 |
| Return on assets (ROA) | 0.5670% | 3,479 |
| Pretax return on assets | 0.6889% | 3,424 |
| Return on Equity (ROE) | 5.1374% | 3,585 |
| Retained earnings to average equity (ytd only) | 0.7181% | 3,875 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2222% | 1,718 |
| Assets per employee ($millions) | 4.6024% | 4,076 |
| Cash dividends to net income (ytd only)* | 86.0215% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0180% | 599 |
| Loan loss allowance to noncurrent loans | 1,191.3043% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 3,707 |
| Noncurrent loans to loans | 0.1694% | 2,968 |
| Net loans and leases to total assets | 19.2711% | 4,677 |
| Net loans and leases to deposits | 21.5488% | 4,683 |
| Net loans and leases to core deposits | 22.7450% | 4,678 |
| Total domestic deposits to total assets | 89.4302% | 1,856 |
| Equity capital to assets | 10.4366% | 1,617 |
| Core capital (leverage) ratio | 11.5527% | 1,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,612,500 | 4,367 |
| Average earning assets | $63,369,500 | 4,331 |
| Average equity | $7,241,000 | 4,342 |
| Average total loans | $14,128,000 | 4,619 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5199% | 4,464 |
| Cost of funding earning assets | 0.1988% | 3,476 |
| Net interest margin | 2.3212% | 4,397 |
| Noninterest income to average assets | 0.3217% | 3,482 |
| Noninterest expense to average assets | 2.3757% | 2,568 |
| Loan and lease loss provision to assets | 0.0177% | 2,715 |
| Net operating income to assets | 0.1682% | 4,566 |
| Return on assets (ROA) | 0.1682% | 4,578 |
| Pretax return on assets | 0.1682% | 4,593 |
| Return on Equity (ROE) | 1.5537% | 4,551 |
| Retained earnings to average equity (ytd only) | 0.4634% | 4,383 |
| Net charge-offs to loans | 0.0059% | 2,370 |
| Credit loss provision to net charge-offs | 1,200.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 126.0000% | 751 |
| Efficiency ratio | 92.7419% | 254 |
| Assets per employee ($millions) | 4.1459% | 4,360 |
| Cash dividends to net income (ytd only)* | 70.1754% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8463% | 802 |
| Loan loss allowance to noncurrent loans | 934.4828% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 2,525 |
| Noncurrent loans to loans | 0.1976% | 2,958 |
| Net loans and leases to total assets | 23.1665% | 4,669 |
| Net loans and leases to deposits | 26.2619% | 4,686 |
| Net loans and leases to core deposits | 27.9157% | 4,676 |
| Total domestic deposits to total assets | 88.2133% | 1,930 |
| Equity capital to assets | 11.7014% | 1,392 |
| Core capital (leverage) ratio | 10.7015% | 1,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,769,800 | 4,359 |
| Average earning assets | $65,398,400 | 4,318 |
| Average equity | $7,337,200 | 4,393 |
| Average total loans | $16,937,200 | 4,615 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5857% | 4,510 |
| Cost of funding earning assets | 0.2037% | 3,570 |
| Net interest margin | 2.3820% | 4,416 |
| Noninterest income to average assets | 0.3605% | 3,296 |
| Noninterest expense to average assets | 2.0935% | 3,386 |
| Loan and lease loss provision to assets | 0.0173% | 2,659 |
| Net operating income to assets | 0.4646% | 4,264 |
| Return on assets (ROA) | 0.4646% | 4,305 |
| Pretax return on assets | 0.5494% | 4,302 |
| Return on Equity (ROE) | 4.3704% | 4,246 |
| Retained earnings to average equity (ytd only) | 2.9197% | 3,934 |
| Net charge-offs to loans | 0.0076% | 2,034 |
| Credit loss provision to net charge-offs | 900.0000% | 538 |
| Earnings coverage of net charge-offs (x) | 294.0000% | 446 |
| Efficiency ratio | 78.6957% | 827 |
| Assets per employee ($millions) | 4.0187% | 4,440 |
| Cash dividends to net income (ytd only)* | 33.1950% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 2,078 |
| Loan loss allowance to noncurrent loans | 1,116.6667% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 2,977 |
| Noncurrent loans to loans | 0.1241% | 3,477 |
| Net loans and leases to total assets | 26.3752% | 4,692 |
| Net loans and leases to deposits | 29.4725% | 4,713 |
| Net loans and leases to core deposits | 31.0531% | 4,706 |
| Total domestic deposits to total assets | 89.4909% | 1,018 |
| Equity capital to assets | 10.2520% | 2,652 |
| Core capital (leverage) ratio | 9.9937% | 2,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,165,000 | 4,405 |
| Average earning assets | $66,776,000 | 4,358 |
| Average equity | $7,352,250 | 4,452 |
| Average total loans | $17,502,000 | 4,673 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8242% | 4,319 |
| Cost of funding earning assets | 0.2130% | 3,626 |
| Net interest margin | 2.6112% | 4,146 |
| Noninterest income to average assets | 0.5080% | 2,591 |
| Noninterest expense to average assets | 2.0233% | 3,624 |
| Loan and lease loss provision to assets | 0.0176% | 2,607 |
| Net operating income to assets | 0.8075% | 3,486 |
| Return on assets (ROA) | 0.8075% | 3,559 |
| Pretax return on assets | 0.9867% | 3,476 |
| Return on Equity (ROE) | 7.5024% | 3,528 |
| Retained earnings to average equity (ytd only) | 5.3199% | 3,062 |
| Net charge-offs to loans | 0.0237% | 1,473 |
| Credit loss provision to net charge-offs | 300.0000% | 880 |
| Earnings coverage of net charge-offs (x) | 171.0000% | 546 |
| Efficiency ratio | 66.8283% | 2,037 |
| Assets per employee ($millions) | 3.7882% | 4,558 |
| Cash dividends to net income (ytd only)* | 29.0909% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4333% | 1,840 |
| Loan loss allowance to noncurrent loans | 942.8571% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 3,137 |
| Noncurrent loans to loans | 0.1520% | 3,440 |
| Net loans and leases to total assets | 23.9629% | 4,783 |
| Net loans and leases to deposits | 26.6472% | 4,804 |
| Net loans and leases to core deposits | 28.1368% | 4,801 |
| Total domestic deposits to total assets | 89.9265% | 816 |
| Equity capital to assets | 9.8333% | 3,019 |
| Core capital (leverage) ratio | 9.9408% | 2,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,107,667 | 4,444 |
| Average earning assets | $65,717,667 | 4,397 |
| Average equity | $7,331,000 | 4,482 |
| Average total loans | $16,887,000 | 4,719 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1202% | 4,810 |
| Cost of funding earning assets | 0.2456% | 3,513 |
| Net interest margin | 1.8746% | 4,783 |
| Noninterest income to average assets | 0.9272% | 1,260 |
| Noninterest expense to average assets | 1.8233% | 4,165 |
| Loan and lease loss provision to assets | 0.0187% | 2,539 |
| Net operating income to assets | 0.7032% | 3,698 |
| Return on assets (ROA) | 0.7032% | 3,762 |
| Pretax return on assets | 0.8899% | 3,625 |
| Return on Equity (ROE) | 6.2160% | 3,800 |
| Retained earnings to average equity (ytd only) | 1.8153% | 4,048 |
| Net charge-offs to loans | 0.0496% | 1,002 |
| Credit loss provision to net charge-offs | 150.0000% | 980 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 742 |
| Efficiency ratio | 66.7426% | 2,114 |
| Assets per employee ($millions) | 4.9275% | 3,737 |
| Cash dividends to net income (ytd only)* | 70.7965% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6902% | 1,067 |
| Loan loss allowance to noncurrent loans | 900.0000% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.1745% | 3,296 |
| Noncurrent loans to loans | 0.1878% | 3,431 |
| Net loans and leases to total assets | 20.5390% | 4,850 |
| Net loans and leases to deposits | 22.8245% | 4,864 |
| Net loans and leases to core deposits | 24.0605% | 4,864 |
| Total domestic deposits to total assets | 89.9869% | 830 |
| Equity capital to assets | 9.8602% | 2,836 |
| Core capital (leverage) ratio | 11.4132% | 1,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,280,000 | 4,503 |
| Average earning assets | $61,879,500 | 4,460 |
| Average equity | $7,271,500 | 4,504 |
| Average total loans | $16,121,000 | 4,757 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7968% | 3,312 |
| Cost of funding earning assets | 0.4688% | 3,160 |
| Net interest margin | 3.3280% | 2,994 |
| Noninterest income to average assets | 0.2550% | 3,957 |
| Noninterest expense to average assets | 2.8510% | 1,815 |
| Loan and lease loss provision to assets | 0.0202% | 4,136 |
| Net operating income to assets | 0.5027% | 4,025 |
| Return on assets (ROA) | 0.5027% | 4,109 |
| Pretax return on assets | 0.5614% | 4,160 |
| Return on Equity (ROE) | 3.8429% | 4,196 |
| Retained earnings to average equity (ytd only) | 2.7209% | 3,501 |
| Net charge-offs to loans | -0.0051% | 4,137 |
| Credit loss provision to net charge-offs | -1,100.0000% | 4,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0572% | 688 |
| Assets per employee ($millions) | 3.4154% | 4,684 |
| Cash dividends to net income (ytd only)* | 29.1971% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5476% | 1,439 |
| Loan loss allowance to noncurrent loans | 838.7097% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.2397% | 3,093 |
| Noncurrent loans to loans | 0.1845% | 3,553 |
| Net loans and leases to total assets | 30.2670% | 4,743 |
| Net loans and leases to deposits | 34.9542% | 4,766 |
| Net loans and leases to core deposits | 37.6800% | 4,748 |
| Total domestic deposits to total assets | 86.5903% | 2,115 |
| Equity capital to assets | 13.2761% | 1,008 |
| Core capital (leverage) ratio | 12.9283% | 915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.2971% | 129 |
| Memoranda: | ||
| Average total assets | $54,506,600 | 4,595 |
| Average earning assets | $52,043,800 | 4,558 |
| Average equity | $7,130,000 | 4,512 |
| Average total loans | $19,578,400 | 4,727 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5026% | 4,208 |
| Cost of funding earning assets | 0.5282% | 3,061 |
| Net interest margin | 2.9744% | 4,035 |
| Noninterest income to average assets | 0.2301% | 4,117 |
| Noninterest expense to average assets | 2.5750% | 2,612 |
| Loan and lease loss provision to assets | 0.0202% | 4,083 |
| Net operating income to assets | 0.4430% | 4,180 |
| Return on assets (ROA) | 0.4430% | 4,246 |
| Pretax return on assets | 0.4749% | 4,327 |
| Return on Equity (ROE) | 3.3996% | 4,318 |
| Retained earnings to average equity (ytd only) | 1.8970% | 3,966 |
| Net charge-offs to loans | -0.0066% | 4,119 |
| Credit loss provision to net charge-offs | -800.0000% | 3,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8915% | 608 |
| Assets per employee ($millions) | 3.2495% | 4,763 |
| Cash dividends to net income (ytd only)* | 44.1989% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 3,155 |
| Loan loss allowance to noncurrent loans | 803.1250% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 3,250 |
| Noncurrent loans to loans | 0.1382% | 3,829 |
| Net loans and leases to total assets | 41.4402% | 4,516 |
| Net loans and leases to deposits | 47.7663% | 4,560 |
| Net loans and leases to core deposits | 51.8869% | 4,530 |
| Total domestic deposits to total assets | 86.7562% | 1,749 |
| Equity capital to assets | 12.9650% | 1,197 |
| Core capital (leverage) ratio | 13.6320% | 804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,471,500 | 4,614 |
| Average earning assets | $51,997,500 | 4,576 |
| Average equity | $7,098,750 | 4,533 |
| Average total loans | $20,273,000 | 4,744 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8249% | 3,797 |
| Cost of funding earning assets | 0.6149% | 2,891 |
| Net interest margin | 3.2100% | 3,643 |
| Noninterest income to average assets | 0.2103% | 4,225 |
| Noninterest expense to average assets | 2.4901% | 2,989 |
| Loan and lease loss provision to assets | 0.0184% | 4,007 |
| Net operating income to assets | 0.6751% | 3,482 |
| Return on assets (ROA) | 0.6751% | 3,588 |
| Pretax return on assets | 0.7636% | 3,697 |
| Return on Equity (ROE) | 5.1712% | 3,780 |
| Retained earnings to average equity (ytd only) | 2.9106% | 3,426 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0992% | 1,255 |
| Assets per employee ($millions) | 3.1856% | 4,797 |
| Cash dividends to net income (ytd only)* | 43.7158% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 2,903 |
| Loan loss allowance to noncurrent loans | 722.8571% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.2649% | 3,256 |
| Noncurrent loans to loans | 0.1556% | 3,833 |
| Net loans and leases to total assets | 43.6304% | 4,469 |
| Net loans and leases to deposits | 50.9298% | 4,493 |
| Net loans and leases to core deposits | 54.6778% | 4,474 |
| Total domestic deposits to total assets | 85.6678% | 2,134 |
| Equity capital to assets | 14.0556% | 842 |
| Core capital (leverage) ratio | 13.5921% | 851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,215,000 | 4,633 |
| Average earning assets | $51,714,000 | 4,596 |
| Average equity | $7,077,667 | 4,556 |
| Average total loans | $19,314,333 | 4,788 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4832% | 4,643 |
| Cost of funding earning assets | 0.7865% | 2,468 |
| Net interest margin | 2.6967% | 4,674 |
| Noninterest income to average assets | 0.1791% | 4,473 |
| Noninterest expense to average assets | 2.4929% | 3,290 |
| Loan and lease loss provision to assets | 0.0215% | 3,536 |
| Net operating income to assets | 0.2436% | 4,458 |
| Return on assets (ROA) | 0.2436% | 4,479 |
| Pretax return on assets | 0.2436% | 4,523 |
| Return on Equity (ROE) | 1.9333% | 4,458 |
| Retained earnings to average equity (ytd only) | -2.6157% | 4,312 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3896% | 483 |
| Assets per employee ($millions) | 3.0180% | 4,785 |
| Cash dividends to net income (ytd only)* | 235.2941% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3674% | 1,823 |
| Loan loss allowance to noncurrent loans | 660.5263% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.2690% | 3,378 |
| Noncurrent loans to loans | 0.2070% | 3,738 |
| Net loans and leases to total assets | 35.2883% | 4,806 |
| Net loans and leases to deposits | 40.9801% | 4,820 |
| Net loans and leases to core deposits | 50.8682% | 4,654 |
| Total domestic deposits to total assets | 86.1108% | 1,960 |
| Equity capital to assets | 13.6748% | 1,154 |
| Core capital (leverage) ratio | 13.3435% | 1,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,838,000 | 4,608 |
| Average earning assets | $53,399,500 | 4,575 |
| Average equity | $7,034,500 | 4,595 |
| Average total loans | $17,726,000 | 4,853 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6414% | 4,736 |
| Cost of funding earning assets | 1.1254% | 1,237 |
| Net interest margin | 2.5160% | 4,960 |
| Noninterest income to average assets | 0.2169% | 4,365 |
| Noninterest expense to average assets | 2.5088% | 3,428 |
| Loan and lease loss provision to assets | 0.0151% | 3,712 |
| Net operating income to assets | 0.1497% | 4,887 |
| Return on assets (ROA) | 0.1497% | 4,909 |
| Pretax return on assets | 0.1026% | 4,942 |
| Return on Equity (ROE) | 1.2734% | 4,886 |
| Retained earnings to average equity (ytd only) | 0.1288% | 4,649 |
| Net charge-offs to loans | 0.0226% | 2,957 |
| Credit loss provision to net charge-offs | 225.0000% | 1,187 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 2,107 |
| Efficiency ratio | 95.5186% | 218 |
| Assets per employee ($millions) | 3.5512% | 4,433 |
| Cash dividends to net income (ytd only)* | 89.8876% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4506% | 1,363 |
| Loan loss allowance to noncurrent loans | 635.8974% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 3,519 |
| Noncurrent loans to loans | 0.2281% | 3,629 |
| Net loans and leases to total assets | 27.9079% | 4,995 |
| Net loans and leases to deposits | 31.6585% | 5,023 |
| Net loans and leases to core deposits | 51.6461% | 4,719 |
| Total domestic deposits to total assets | 88.1531% | 1,061 |
| Equity capital to assets | 11.6830% | 2,366 |
| Core capital (leverage) ratio | 11.7717% | 1,909 |
| Tier 1 risk-based capital ratio | 33.0788% | 381 |
| Total risk-based capital ratio | 34.2406% | 380 |
| Memoranda: | ||
| Average total assets | $59,471,000 | 4,602 |
| Average earning assets | $56,955,400 | 4,573 |
| Average equity | $6,989,200 | 4,644 |
| Average total loans | $17,666,800 | 4,912 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6263% | 4,861 |
| Cost of funding earning assets | 1.1046% | 1,331 |
| Net interest margin | 2.5218% | 5,050 |
| Noninterest income to average assets | 0.2048% | 4,493 |
| Noninterest expense to average assets | 2.4822% | 3,489 |
| Loan and lease loss provision to assets | 0.0157% | 3,595 |
| Net operating income to assets | 0.1215% | 5,001 |
| Return on assets (ROA) | 0.1215% | 5,016 |
| Pretax return on assets | 0.1215% | 5,026 |
| Return on Equity (ROE) | 1.0325% | 5,010 |
| Retained earnings to average equity (ytd only) | -0.4972% | 4,809 |
| Net charge-offs to loans | 0.0299% | 2,475 |
| Credit loss provision to net charge-offs | 175.0000% | 1,458 |
| Earnings coverage of net charge-offs (x) | 15.2589% | 2,200 |
| Efficiency ratio | 94.7595% | 222 |
| Assets per employee ($millions) | 3.5264% | 4,474 |
| Cash dividends to net income (ytd only)* | 148.1389% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 1,907 |
| Loan loss allowance to noncurrent loans | 1,171.4286% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.3219% | 3,261 |
| Noncurrent loans to loans | 0.1122% | 4,139 |
| Net loans and leases to total assets | 30.8067% | 5,042 |
| Net loans and leases to deposits | 34.9806% | 5,077 |
| Net loans and leases to core deposits | 56.8684% | 4,659 |
| Total domestic deposits to total assets | 88.0680% | 1,013 |
| Equity capital to assets | 11.6835% | 2,521 |
| Core capital (leverage) ratio | 11.7623% | 2,034 |
| Tier 1 risk-based capital ratio | 33.9256% | 374 |
| Total risk-based capital ratio | 35.1135% | 372 |
| Memoranda: | ||
| Average total assets | $59,246,250 | 4,669 |
| Average earning assets | $56,731,500 | 4,641 |
| Average equity | $6,973,250 | 4,702 |
| Average total loans | $17,809,500 | 4,983 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5897% | 4,937 |
| Cost of funding earning assets | 1.0443% | 1,517 |
| Net interest margin | 2.5454% | 5,103 |
| Noninterest income to average assets | 0.2067% | 4,507 |
| Noninterest expense to average assets | 2.3961% | 3,741 |
| Loan and lease loss provision to assets | 0.0203% | 3,388 |
| Net operating income to assets | 0.2271% | 4,966 |
| Return on assets (ROA) | 0.2271% | 4,977 |
| Pretax return on assets | 0.2271% | 5,002 |
| Return on Equity (ROE) | 1.9245% | 4,952 |
| Retained earnings to average equity (ytd only) | -0.3734% | 4,749 |
| Net charge-offs to loans | 0.0343% | 2,178 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 24.3333% | 1,629 |
| Efficiency ratio | 90.6410% | 329 |
| Assets per employee ($millions) | 3.5362% | 4,458 |
| Cash dividends to net income (ytd only)* | 119.4030% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 2,340 |
| Loan loss allowance to noncurrent loans | 1,640.0000% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.3111% | 3,292 |
| Noncurrent loans to loans | 0.0752% | 4,338 |
| Net loans and leases to total assets | 32.7556% | 5,054 |
| Net loans and leases to deposits | 38.6242% | 5,068 |
| Net loans and leases to core deposits | 62.1559% | 4,493 |
| Total domestic deposits to total assets | 84.8058% | 2,565 |
| Equity capital to assets | 11.6510% | 2,487 |
| Core capital (leverage) ratio | 11.9630% | 1,849 |
| Tier 1 risk-based capital ratio | 27.1211% | 609 |
| Total risk-based capital ratio | 28.0689% | 625 |
| Memoranda: | ||
| Average total assets | $59,012,330 | 4,705 |
| Average earning assets | $56,494,670 | 4,678 |
| Average equity | $6,963,000 | 4,733 |
| Average total loans | $17,508,000 | 5,037 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5835% | 4,978 |
| Cost of funding earning assets | 0.9494% | 1,797 |
| Net interest margin | 2.6341% | 5,115 |
| Noninterest income to average assets | 0.1984% | 4,569 |
| Noninterest expense to average assets | 2.1621% | 4,347 |
| Loan and lease loss provision to assets | 0.0205% | 3,173 |
| Net operating income to assets | 0.4995% | 4,525 |
| Return on assets (ROA) | 0.4995% | 4,545 |
| Pretax return on assets | 0.5405% | 4,607 |
| Return on Equity (ROE) | 4.2060% | 4,529 |
| Retained earnings to average equity (ytd only) | -0.4033% | 4,586 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3970% | 1,116 |
| Assets per employee ($millions) | 2.7885% | 5,075 |
| Cash dividends to net income (ytd only)* | 109.5890% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5243% | 1,261 |
| Loan loss allowance to noncurrent loans | 3,075.0000% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.2971% | 3,419 |
| Noncurrent loans to loans | 0.0496% | 4,545 |
| Net loans and leases to total assets | 27.1401% | 5,187 |
| Net loans and leases to deposits | 30.8620% | 5,210 |
| Net loans and leases to core deposits | 47.5241% | 4,948 |
| Total domestic deposits to total assets | 87.9404% | 1,366 |
| Equity capital to assets | 11.8940% | 2,090 |
| Core capital (leverage) ratio | 12.0165% | 1,760 |
| Tier 1 risk-based capital ratio | 31.0835% | 438 |
| Total risk-based capital ratio | 32.1687% | 437 |
| Memoranda: | ||
| Average total assets | $58,461,000 | 4,764 |
| Average earning assets | $56,034,500 | 4,736 |
| Average equity | $6,942,500 | 4,765 |
| Average total loans | $16,293,500 | 5,122 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5993% | 4,798 |
| Cost of funding earning assets | 0.6456% | 2,426 |
| Net interest margin | 2.9537% | 4,844 |
| Noninterest income to average assets | 0.2092% | 4,662 |
| Noninterest expense to average assets | 2.7218% | 2,955 |
| Loan and lease loss provision to assets | 0.0208% | 3,747 |
| Net operating income to assets | 0.3026% | 5,004 |
| Return on assets (ROA) | 0.3026% | 4,997 |
| Pretax return on assets | 0.2992% | 5,048 |
| Return on Equity (ROE) | 2.5466% | 4,975 |
| Retained earnings to average equity (ytd only) | 1.3824% | 4,578 |
| Net charge-offs to loans | 0.0312% | 2,774 |
| Credit loss provision to net charge-offs | 240.0000% | 1,231 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,397 |
| Efficiency ratio | 89.4827% | 369 |
| Assets per employee ($millions) | 2.9182% | 5,036 |
| Cash dividends to net income (ytd only)* | 45.7143% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4774% | 1,361 |
| Loan loss allowance to noncurrent loans | 2,700.0000% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.2998% | 3,375 |
| Noncurrent loans to loans | 0.0547% | 4,503 |
| Net loans and leases to total assets | 27.7659% | 5,236 |
| Net loans and leases to deposits | 31.5371% | 5,251 |
| Net loans and leases to core deposits | 45.8662% | 5,042 |
| Total domestic deposits to total assets | 88.0421% | 1,281 |
| Equity capital to assets | 11.8568% | 1,993 |
| Core capital (leverage) ratio | 11.8947% | 1,802 |
| Tier 1 risk-based capital ratio | 31.2091% | 419 |
| Total risk-based capital ratio | 32.2845% | 420 |
| Memoranda: | ||
| Average total assets | $57,829,600 | 4,803 |
| Average earning assets | $55,455,200 | 4,760 |
| Average equity | $6,872,000 | 4,767 |
| Average total loans | $16,036,200 | 5,168 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5719% | 4,848 |
| Cost of funding earning assets | 0.5953% | 2,504 |
| Net interest margin | 2.9766% | 4,879 |
| Noninterest income to average assets | 0.2057% | 4,733 |
| Noninterest expense to average assets | 2.6737% | 3,052 |
| Loan and lease loss provision to assets | 0.0208% | 3,596 |
| Net operating income to assets | 0.3651% | 5,002 |
| Return on assets (ROA) | 0.3651% | 5,002 |
| Pretax return on assets | 0.3651% | 5,070 |
| Return on Equity (ROE) | 3.0708% | 4,994 |
| Retained earnings to average equity (ytd only) | 1.5160% | 4,722 |
| Net charge-offs to loans | 0.0419% | 2,250 |
| Credit loss provision to net charge-offs | 180.0000% | 1,496 |
| Earnings coverage of net charge-offs (x) | 33.3823% | 1,515 |
| Efficiency ratio | 87.3867% | 437 |
| Assets per employee ($millions) | 2.6056% | 5,257 |
| Cash dividends to net income (ytd only)* | 50.6313% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 1,773 |
| Loan loss allowance to noncurrent loans | 827.5862% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.3402% | 3,315 |
| Noncurrent loans to loans | 0.1670% | 4,138 |
| Net loans and leases to total assets | 29.8688% | 5,281 |
| Net loans and leases to deposits | 34.0316% | 5,300 |
| Net loans and leases to core deposits | 49.4413% | 5,034 |
| Total domestic deposits to total assets | 87.7678% | 1,354 |
| Equity capital to assets | 11.9740% | 1,926 |
| Core capital (leverage) ratio | 12.1214% | 1,714 |
| Tier 1 risk-based capital ratio | 29.9974% | 478 |
| Total risk-based capital ratio | 31.0208% | 480 |
| Memoranda: | ||
| Average total assets | $57,696,250 | 4,855 |
| Average earning assets | $55,318,750 | 4,816 |
| Average equity | $6,860,000 | 4,817 |
| Average total loans | $15,933,250 | 5,237 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6455% | 4,692 |
| Cost of funding earning assets | 0.4904% | 3,084 |
| Net interest margin | 3.1551% | 4,603 |
| Noninterest income to average assets | 0.1902% | 4,873 |
| Noninterest expense to average assets | 2.6358% | 3,201 |
| Loan and lease loss provision to assets | 0.0208% | 3,491 |
| Net operating income to assets | 0.5154% | 4,713 |
| Return on assets (ROA) | 0.5154% | 4,719 |
| Pretax return on assets | 0.5604% | 4,796 |
| Return on Equity (ROE) | 4.3449% | 4,734 |
| Retained earnings to average equity (ytd only) | 2.0121% | 4,450 |
| Net charge-offs to loans | 0.0388% | 2,074 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 1,042 |
| Efficiency ratio | 81.9355% | 840 |
| Assets per employee ($millions) | 2.9139% | 5,152 |
| Cash dividends to net income (ytd only)* | 53.6913% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 2,213 |
| Loan loss allowance to noncurrent loans | 682.8571% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 3,373 |
| Noncurrent loans to loans | 0.1890% | 4,056 |
| Net loans and leases to total assets | 31.3738% | 5,298 |
| Net loans and leases to deposits | 36.3615% | 5,319 |
| Net loans and leases to core deposits | 52.8378% | 4,964 |
| Total domestic deposits to total assets | 86.2830% | 2,152 |
| Equity capital to assets | 11.7849% | 2,003 |
| Core capital (leverage) ratio | 12.1171% | 1,639 |
| Tier 1 risk-based capital ratio | 28.5146% | 536 |
| Total risk-based capital ratio | 29.4846% | 542 |
| Memoranda: | ||
| Average total assets | $57,820,330 | 4,908 |
| Average earning assets | $55,466,330 | 4,870 |
| Average equity | $6,858,670 | 4,868 |
| Average total loans | $15,457,000 | 5,309 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8601% | 4,049 |
| Cost of funding earning assets | 0.4128% | 3,497 |
| Net interest margin | 3.4473% | 3,714 |
| Noninterest income to average assets | 0.1806% | 4,947 |
| Noninterest expense to average assets | 2.5559% | 3,473 |
| Loan and lease loss provision to assets | 0.0208% | 3,261 |
| Net operating income to assets | 0.7918% | 3,735 |
| Return on assets (ROA) | 0.7918% | 3,740 |
| Pretax return on assets | 0.9099% | 3,817 |
| Return on Equity (ROE) | 6.6530% | 3,923 |
| Retained earnings to average equity (ytd only) | 1.9842% | 4,353 |
| Net charge-offs to loans | 0.0287% | 1,922 |
| Credit loss provision to net charge-offs | 300.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 134.0000% | 486 |
| Efficiency ratio | 73.3068% | 1,996 |
| Assets per employee ($millions) | 3.0307% | 5,129 |
| Cash dividends to net income (ytd only)* | 70.1754% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5818% | 1,202 |
| Loan loss allowance to noncurrent loans | 330.5556% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 3,178 |
| Noncurrent loans to loans | 0.4785% | 3,080 |
| Net loans and leases to total assets | 25.7155% | 5,440 |
| Net loans and leases to deposits | 29.2371% | 5,459 |
| Net loans and leases to core deposits | 37.1426% | 5,372 |
| Total domestic deposits to total assets | 87.9550% | 1,642 |
| Equity capital to assets | 11.8887% | 1,857 |
| Core capital (leverage) ratio | 12.3146% | 1,470 |
| Tier 1 risk-based capital ratio | 34.0626% | 346 |
| Total risk-based capital ratio | 35.2222% | 346 |
| Memoranda: | ||
| Average total assets | $57,591,500 | 4,970 |
| Average earning assets | $55,232,000 | 4,928 |
| Average equity | $6,854,000 | 4,917 |
| Average total loans | $13,924,000 | 5,404 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1082% | 5,278 |
| Cost of funding earning assets | 0.3883% | 3,349 |
| Net interest margin | 2.7199% | 5,260 |
| Noninterest income to average assets | 0.2446% | 4,669 |
| Noninterest expense to average assets | 2.5776% | 3,517 |
| Loan and lease loss provision to assets | 0.0171% | 3,955 |
| Net operating income to assets | 0.2668% | 4,991 |
| Return on assets (ROA) | 0.2668% | 5,010 |
| Pretax return on assets | 0.2497% | 5,263 |
| Return on Equity (ROE) | 2.2941% | 4,992 |
| Retained earnings to average equity (ytd only) | 1.1176% | 4,581 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6194% | 398 |
| Assets per employee ($millions) | 3.1999% | 5,032 |
| Cash dividends to net income (ytd only)* | 51.2821% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8435% | 718 |
| Loan loss allowance to noncurrent loans | 43.3028% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 1.7032% | 753 |
| Noncurrent loans to loans | 4.2571% | 212 |
| Net loans and leases to total assets | 21.8164% | 5,560 |
| Net loans and leases to deposits | 24.7943% | 5,565 |
| Net loans and leases to core deposits | 31.4914% | 5,512 |
| Total domestic deposits to total assets | 87.9894% | 1,509 |
| Equity capital to assets | 11.9134% | 1,896 |
| Core capital (leverage) ratio | 12.1820% | 1,507 |
| Tier 1 risk-based capital ratio | 36.5638% | 287 |
| Total risk-based capital ratio | 37.8042% | 279 |
| Memoranda: | ||
| Average total assets | $58,465,200 | 4,995 |
| Average earning assets | $55,884,000 | 4,952 |
| Average equity | $6,800,200 | 4,973 |
| Average total loans | $13,625,200 | 5,473 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0683% | 5,364 |
| Cost of funding earning assets | 0.3734% | 3,432 |
| Net interest margin | 2.6949% | 5,326 |
| Noninterest income to average assets | 0.2499% | 4,712 |
| Noninterest expense to average assets | 2.6833% | 3,114 |
| Loan and lease loss provision to assets | 0.0182% | 3,778 |
| Net operating income to assets | 0.1227% | 5,422 |
| Return on assets (ROA) | 0.1227% | 5,432 |
| Pretax return on assets | 0.1227% | 5,445 |
| Return on Equity (ROE) | 1.0612% | 5,424 |
| Retained earnings to average equity (ytd only) | -0.5110% | 5,295 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0121% | 267 |
| Assets per employee ($millions) | 3.1034% | 5,171 |
| Cash dividends to net income (ytd only)* | 148.1389% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4851% | 1,594 |
| Loan loss allowance to noncurrent loans | 42.6230% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 1.7633% | 800 |
| Noncurrent loans to loans | 3.4842% | 317 |
| Net loans and leases to total assets | 27.7881% | 5,537 |
| Net loans and leases to deposits | 31.7340% | 5,564 |
| Net loans and leases to core deposits | 40.7011% | 5,447 |
| Total domestic deposits to total assets | 87.5658% | 1,601 |
| Equity capital to assets | 12.1729% | 1,853 |
| Core capital (leverage) ratio | 11.9970% | 1,689 |
| Tier 1 risk-based capital ratio | 37.6929% | 268 |
| Total risk-based capital ratio | 38.9440% | 261 |
| Memoranda: | ||
| Average total assets | $58,681,750 | 5,045 |
| Average earning assets | $56,056,000 | 5,003 |
| Average equity | $6,784,750 | 5,033 |
| Average total loans | $13,831,000 | 5,529 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9966% | 5,440 |
| Cost of funding earning assets | 0.3439% | 3,644 |
| Net interest margin | 2.6528% | 5,404 |
| Noninterest income to average assets | 0.2717% | 4,604 |
| Noninterest expense to average assets | 2.6064% | 3,415 |
| Loan and lease loss provision to assets | 0.0201% | 3,576 |
| Net operating income to assets | 0.1811% | 5,420 |
| Return on assets (ROA) | 0.1811% | 5,427 |
| Pretax return on assets | 0.1811% | 5,445 |
| Return on Equity (ROE) | 1.5930% | 5,397 |
| Retained earnings to average equity (ytd only) | -0.7670% | 5,200 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8315% | 331 |
| Assets per employee ($millions) | 3.1136% | 5,178 |
| Cash dividends to net income (ytd only)* | 148.1481% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5567% | 1,373 |
| Loan loss allowance to noncurrent loans | 42.8044% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 1.6887% | 862 |
| Noncurrent loans to loans | 3.6369% | 297 |
| Net loans and leases to total assets | 24.7993% | 5,634 |
| Net loans and leases to deposits | 28.0989% | 5,652 |
| Net loans and leases to core deposits | 35.4056% | 5,577 |
| Total domestic deposits to total assets | 88.2571% | 1,328 |
| Equity capital to assets | 11.5012% | 2,318 |
| Core capital (leverage) ratio | 11.7054% | 1,826 |
| Tier 1 risk-based capital ratio | 32.3602% | 391 |
| Total risk-based capital ratio | 33.4579% | 387 |
| Memoranda: | ||
| Average total assets | $59,621,670 | 5,063 |
| Average earning assets | $56,997,330 | 5,022 |
| Average equity | $6,779,670 | 5,058 |
| Average total loans | $13,189,000 | 5,592 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8240% | 5,585 |
| Cost of funding earning assets | 0.3355% | 3,694 |
| Net interest margin | 2.4885% | 5,558 |
| Noninterest income to average assets | 0.2807% | 4,545 |
| Noninterest expense to average assets | 2.4527% | 3,952 |
| Loan and lease loss provision to assets | 0.0200% | 3,316 |
| Net operating income to assets | 0.1871% | 5,413 |
| Return on assets (ROA) | 0.1871% | 5,424 |
| Pretax return on assets | 0.1871% | 5,449 |
| Return on Equity (ROE) | 1.6550% | 5,392 |
| Retained earnings to average equity (ytd only) | -3.0735% | 5,267 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2111% | 443 |
| Assets per employee ($millions) | 2.9512% | 5,393 |
| Cash dividends to net income (ytd only)* | 285.7143% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6797% | 1,184 |
| Loan loss allowance to noncurrent loans | 43.1262% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 1.6739% | 903 |
| Noncurrent loans to loans | 3.8950% | 274 |
| Net loans and leases to total assets | 22.7098% | 5,716 |
| Net loans and leases to deposits | 25.6846% | 5,725 |
| Net loans and leases to core deposits | 26.0707% | 5,731 |
| Total domestic deposits to total assets | 88.4181% | 1,478 |
| Equity capital to assets | 11.4261% | 2,238 |
| Core capital (leverage) ratio | 11.6829% | 1,837 |
| Tier 1 risk-based capital ratio | 34.2052% | 347 |
| Total risk-based capital ratio | 35.3550% | 342 |
| Memoranda: | ||
| Average total assets | $59,853,000 | 5,114 |
| Average earning assets | $57,223,000 | 5,066 |
| Average equity | $6,767,500 | 5,109 |
| Average total loans | $12,332,000 | 5,670 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9507% | 5,538 |
| Cost of funding earning assets | 0.3373% | 3,666 |
| Net interest margin | 2.6134% | 5,502 |
| Noninterest income to average assets | 0.2330% | 5,018 |
| Noninterest expense to average assets | 2.5535% | 3,826 |
| Loan and lease loss provision to assets | 0.0200% | 3,968 |
| Net operating income to assets | 0.2014% | 5,413 |
| Return on assets (ROA) | 0.2014% | 5,468 |
| Pretax return on assets | 0.1615% | 5,530 |
| Return on Equity (ROE) | 1.7775% | 5,442 |
| Retained earnings to average equity (ytd only) | 0.6023% | 5,088 |
| Net charge-offs to loans | 0.4813% | 512 |
| Credit loss provision to net charge-offs | 21.8182% | 3,661 |
| Earnings coverage of net charge-offs (x) | 1.9818% | 3,911 |
| Efficiency ratio | 93.3658% | 409 |
| Assets per employee ($millions) | 3.1938% | 5,151 |
| Cash dividends to net income (ytd only)* | 66.1157% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0488% | 600 |
| Loan loss allowance to noncurrent loans | 37.7926% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 1.7385% | 874 |
| Noncurrent loans to loans | 5.4211% | 132 |
| Net loans and leases to total assets | 17.8056% | 5,822 |
| Net loans and leases to deposits | 20.0721% | 5,829 |
| Net loans and leases to core deposits | 20.4966% | 5,829 |
| Total domestic deposits to total assets | 88.7085% | 1,266 |
| Equity capital to assets | 11.1909% | 2,429 |
| Core capital (leverage) ratio | 11.4214% | 1,995 |
| Tier 1 risk-based capital ratio | 39.3377% | 232 |
| Total risk-based capital ratio | 40.5867% | 230 |
| Memoranda: | ||
| Average total assets | $60,074,200 | 5,139 |
| Average earning assets | $57,512,000 | 5,089 |
| Average equity | $6,807,200 | 5,135 |
| Average total loans | $11,426,400 | 5,740 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9863% | 5,579 |
| Cost of funding earning assets | 0.3370% | 3,689 |
| Net interest margin | 2.6493% | 5,546 |
| Noninterest income to average assets | 0.2559% | 4,932 |
| Noninterest expense to average assets | 2.4943% | 4,001 |
| Loan and lease loss provision to assets | 0.0200% | 3,837 |
| Net operating income to assets | 0.2314% | 5,416 |
| Return on assets (ROA) | 0.2314% | 5,485 |
| Pretax return on assets | 0.2781% | 5,480 |
| Return on Equity (ROE) | 2.0357% | 5,462 |
| Retained earnings to average equity (ytd only) | 0.4698% | 5,237 |
| Net charge-offs to loans | 0.5785% | 363 |
| Credit loss provision to net charge-offs | 18.0000% | 3,309 |
| Earnings coverage of net charge-offs (x) | 2.6798% | 3,539 |
| Efficiency ratio | 89.3227% | 600 |
| Assets per employee ($millions) | 3.1713% | 5,216 |
| Cash dividends to net income (ytd only)* | 76.9220% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8497% | 928 |
| Loan loss allowance to noncurrent loans | 42.6966% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 1.6447% | 1,052 |
| Noncurrent loans to loans | 4.3323% | 233 |
| Net loans and leases to total assets | 20.0780% | 5,870 |
| Net loans and leases to deposits | 22.7419% | 5,882 |
| Net loans and leases to core deposits | 23.3403% | 5,887 |
| Total domestic deposits to total assets | 88.2864% | 1,245 |
| Equity capital to assets | 11.3667% | 2,637 |
| Core capital (leverage) ratio | 11.3274% | 2,170 |
| Tier 1 risk-based capital ratio | 37.8440% | 264 |
| Total risk-based capital ratio | 39.0927% | 265 |
| Memoranda: | ||
| Average total assets | $59,922,000 | 5,188 |
| Average earning assets | $57,372,000 | 5,134 |
| Average equity | $6,811,250 | 5,174 |
| Average total loans | $11,525,250 | 5,799 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0169% | 5,629 |
| Cost of funding earning assets | 0.3317% | 3,777 |
| Net interest margin | 2.6852% | 5,590 |
| Noninterest income to average assets | 0.2307% | 5,104 |
| Noninterest expense to average assets | 2.4243% | 4,254 |
| Loan and lease loss provision to assets | 0.0201% | 3,741 |
| Net operating income to assets | 0.2675% | 5,399 |
| Return on assets (ROA) | 0.2675% | 5,471 |
| Pretax return on assets | 0.3578% | 5,408 |
| Return on Equity (ROE) | 2.3534% | 5,424 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,286 |
| Net charge-offs to loans | 0.8349% | 235 |
| Credit loss provision to net charge-offs | 12.7660% | 2,978 |
| Earnings coverage of net charge-offs (x) | 2.4043% | 3,276 |
| Efficiency ratio | 86.5155% | 837 |
| Assets per employee ($millions) | 3.2729% | 5,110 |
| Cash dividends to net income (ytd only)* | 100.0000% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8739% | 939 |
| Loan loss allowance to noncurrent loans | 42.3792% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 1.6000% | 1,156 |
| Noncurrent loans to loans | 4.4218% | 246 |
| Net loans and leases to total assets | 19.1989% | 5,950 |
| Net loans and leases to deposits | 21.6494% | 5,965 |
| Net loans and leases to core deposits | 22.0921% | 5,966 |
| Total domestic deposits to total assets | 88.6807% | 1,074 |
| Equity capital to assets | 10.9735% | 3,088 |
| Core capital (leverage) ratio | 10.8691% | 2,568 |
| Tier 1 risk-based capital ratio | 39.5170% | 238 |
| Total risk-based capital ratio | 40.7680% | 237 |
| Memoranda: | ||
| Average total assets | $59,811,000 | 5,246 |
| Average earning assets | $57,277,670 | 5,195 |
| Average equity | $6,798,670 | 5,228 |
| Average total loans | $11,258,330 | 5,880 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0423% | 5,652 |
| Cost of funding earning assets | 0.3277% | 3,869 |
| Net interest margin | 2.7145% | 5,597 |
| Noninterest income to average assets | 0.1842% | 5,399 |
| Noninterest expense to average assets | 2.4359% | 4,271 |
| Loan and lease loss provision to assets | 0.0205% | 3,421 |
| Net operating income to assets | 0.2661% | 5,391 |
| Return on assets (ROA) | 0.2661% | 5,463 |
| Pretax return on assets | 0.3275% | 5,453 |
| Return on Equity (ROE) | 2.2989% | 5,433 |
| Retained earnings to average equity (ytd only) | -2.4167% | 5,423 |
| Net charge-offs to loans | 1.8141% | 85 |
| Credit loss provision to net charge-offs | 6.1224% | 2,387 |
| Earnings coverage of net charge-offs (x) | 1.0408% | 2,866 |
| Efficiency ratio | 87.5000% | 849 |
| Assets per employee ($millions) | 2.9542% | 5,544 |
| Cash dividends to net income (ytd only)* | 205.1282% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0232% | 784 |
| Loan loss allowance to noncurrent loans | 41.2963% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 1.6087% | 1,233 |
| Noncurrent loans to loans | 4.8993% | 200 |
| Net loans and leases to total assets | 17.4071% | 6,023 |
| Net loans and leases to deposits | 19.6071% | 6,034 |
| Net loans and leases to core deposits | 20.0119% | 6,032 |
| Total domestic deposits to total assets | 88.7795% | 1,217 |
| Equity capital to assets | 10.9368% | 3,011 |
| Core capital (leverage) ratio | 11.4672% | 1,997 |
| Tier 1 risk-based capital ratio | 39.3412% | 245 |
| Total risk-based capital ratio | 40.5938% | 240 |
| Memoranda: | ||
| Average total assets | $58,623,500 | 5,322 |
| Average earning assets | $56,142,500 | 5,264 |
| Average equity | $6,786,000 | 5,272 |
| Average total loans | $10,804,000 | 5,944 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1047% | 5,625 |
| Cost of funding earning assets | 0.3121% | 4,112 |
| Net interest margin | 2.7926% | 5,526 |
| Noninterest income to average assets | 0.2702% | 4,935 |
| Noninterest expense to average assets | 2.5054% | 4,209 |
| Loan and lease loss provision to assets | 0.0034% | 4,323 |
| Net operating income to assets | 0.3613% | 5,173 |
| Return on assets (ROA) | 0.3613% | 5,257 |
| Pretax return on assets | 0.4405% | 5,246 |
| Return on Equity (ROE) | 3.1466% | 5,250 |
| Retained earnings to average equity (ytd only) | 1.9479% | 4,617 |
| Net charge-offs to loans | 0.3366% | 882 |
| Credit loss provision to net charge-offs | 5.8824% | 3,852 |
| Earnings coverage of net charge-offs (x) | 7.5882% | 3,059 |
| Efficiency ratio | 84.9475% | 1,094 |
| Assets per employee ($millions) | 2.9057% | 5,607 |
| Cash dividends to net income (ytd only)* | 38.0952% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5411% | 374 |
| Loan loss allowance to noncurrent loans | 28.9871% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 1.9019% | 958 |
| Noncurrent loans to loans | 8.7663% | 62 |
| Net loans and leases to total assets | 18.6872% | 6,067 |
| Net loans and leases to deposits | 21.3651% | 6,077 |
| Net loans and leases to core deposits | 21.8784% | 6,079 |
| Total domestic deposits to total assets | 87.4658% | 1,898 |
| Equity capital to assets | 12.2933% | 1,746 |
| Core capital (leverage) ratio | 12.3082% | 1,451 |
| Tier 1 risk-based capital ratio | 40.9246% | 217 |
| Total risk-based capital ratio | 42.1778% | 213 |
| Memoranda: | ||
| Average total assets | $58,115,600 | 5,361 |
| Average earning assets | $55,753,600 | 5,300 |
| Average equity | $6,673,800 | 5,306 |
| Average total loans | $10,101,400 | 6,012 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0559% | 5,760 |
| Cost of funding earning assets | 0.3165% | 4,146 |
| Net interest margin | 2.7395% | 5,681 |
| Noninterest income to average assets | 0.2447% | 5,183 |
| Noninterest expense to average assets | 2.4472% | 4,362 |
| Loan and lease loss provision to assets | 0.0045% | 4,170 |
| Net operating income to assets | 0.2810% | 5,509 |
| Return on assets (ROA) | 0.2810% | 5,581 |
| Pretax return on assets | 0.4214% | 5,420 |
| Return on Equity (ROE) | 2.4878% | 5,558 |
| Retained earnings to average equity (ytd only) | 0.8829% | 5,353 |
| Net charge-offs to loans | 0.2806% | 952 |
| Credit loss provision to net charge-offs | 9.5238% | 3,457 |
| Earnings coverage of net charge-offs (x) | 8.9521% | 2,752 |
| Efficiency ratio | 85.1735% | 1,070 |
| Assets per employee ($millions) | 3.0798% | 5,456 |
| Cash dividends to net income (ytd only)* | 64.5134% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7685% | 312 |
| Loan loss allowance to noncurrent loans | 29.6842% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 1.9554% | 1,055 |
| Noncurrent loans to loans | 9.3265% | 47 |
| Net loans and leases to total assets | 17.8653% | 6,165 |
| Net loans and leases to deposits | 20.4177% | 6,179 |
| Net loans and leases to core deposits | 20.9161% | 6,179 |
| Total domestic deposits to total assets | 87.4993% | 1,805 |
| Equity capital to assets | 12.1219% | 2,016 |
| Core capital (leverage) ratio | 11.8818% | 1,758 |
| Tier 1 risk-based capital ratio | 38.6433% | 270 |
| Total risk-based capital ratio | 39.8991% | 267 |
| Memoranda: | ||
| Average total assets | $58,842,250 | 5,415 |
| Average earning assets | $56,456,750 | 5,351 |
| Average equity | $6,645,500 | 5,379 |
| Average total loans | $9,980,250 | 6,093 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0477% | 5,802 |
| Cost of funding earning assets | 0.3058% | 4,333 |
| Net interest margin | 2.7419% | 5,720 |
| Noninterest income to average assets | 0.2067% | 5,446 |
| Noninterest expense to average assets | 2.3876% | 4,589 |
| Loan and lease loss provision to assets | 0.0067% | 3,967 |
| Net operating income to assets | 0.3101% | 5,414 |
| Return on assets (ROA) | 0.3101% | 5,510 |
| Pretax return on assets | 0.4435% | 5,367 |
| Return on Equity (ROE) | 2.8094% | 5,472 |
| Retained earnings to average equity (ytd only) | 0.3927% | 5,389 |
| Net charge-offs to loans | 0.4237% | 607 |
| Credit loss provision to net charge-offs | 9.5238% | 3,101 |
| Earnings coverage of net charge-offs (x) | 6.4286% | 2,784 |
| Efficiency ratio | 84.1363% | 1,250 |
| Assets per employee ($millions) | 3.2082% | 5,327 |
| Cash dividends to net income (ytd only)* | 86.0215% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8330% | 325 |
| Loan loss allowance to noncurrent loans | 26.3305% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 2.2286% | 926 |
| Noncurrent loans to loans | 10.7595% | 43 |
| Net loans and leases to total assets | 16.7486% | 6,250 |
| Net loans and leases to deposits | 18.9796% | 6,264 |
| Net loans and leases to core deposits | 19.5260% | 6,260 |
| Total domestic deposits to total assets | 88.2455% | 1,522 |
| Equity capital to assets | 11.4705% | 2,440 |
| Core capital (leverage) ratio | 11.5913% | 1,930 |
| Tier 1 risk-based capital ratio | 38.3030% | 285 |
| Total risk-based capital ratio | 39.5592% | 282 |
| Memoranda: | ||
| Average total assets | $59,977,330 | 5,449 |
| Average earning assets | $57,550,670 | 5,384 |
| Average equity | $6,620,670 | 5,429 |
| Average total loans | $9,911,670 | 6,166 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9996% | 5,892 |
| Cost of funding earning assets | 0.3000% | 4,443 |
| Net interest margin | 2.6997% | 5,806 |
| Noninterest income to average assets | 0.2095% | 5,452 |
| Noninterest expense to average assets | 2.2982% | 4,888 |
| Loan and lease loss provision to assets | 0.0131% | 3,555 |
| Net operating income to assets | 0.3274% | 5,316 |
| Return on assets (ROA) | 0.3274% | 5,426 |
| Pretax return on assets | 0.4911% | 5,200 |
| Return on Equity (ROE) | 3.0216% | 5,370 |
| Retained earnings to average equity (ytd only) | -1.8130% | 5,669 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0093% | 1,614 |
| Assets per employee ($millions) | 3.3594% | 5,151 |
| Cash dividends to net income (ytd only)* | 160.0000% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1071% | 271 |
| Loan loss allowance to noncurrent loans | 43.5971% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 1.5198% | 1,713 |
| Noncurrent loans to loans | 7.1267% | 122 |
| Net loans and leases to total assets | 15.6262% | 6,322 |
| Net loans and leases to deposits | 17.6008% | 6,331 |
| Net loans and leases to core deposits | 18.0991% | 6,326 |
| Total domestic deposits to total assets | 88.7810% | 1,403 |
| Equity capital to assets | 10.9874% | 2,981 |
| Core capital (leverage) ratio | 10.9820% | 2,427 |
| Tier 1 risk-based capital ratio | 38.1905% | 285 |
| Total risk-based capital ratio | 39.4511% | 284 |
| Memoranda: | ||
| Average total assets | $61,092,000 | 5,479 |
| Average earning assets | $58,674,000 | 5,396 |
| Average equity | $6,619,000 | 5,479 |
| Average total loans | $9,890,500 | 6,235 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1451% | 5,905 |
| Cost of funding earning assets | 0.3044% | 4,752 |
| Net interest margin | 2.8407% | 5,748 |
| Noninterest income to average assets | 0.2156% | 5,567 |
| Noninterest expense to average assets | 2.4614% | 4,669 |
| Loan and lease loss provision to assets | 0.0285% | 4,035 |
| Net operating income to assets | 0.2742% | 5,589 |
| Return on assets (ROA) | 0.2742% | 5,658 |
| Pretax return on assets | 0.4470% | 5,393 |
| Return on Equity (ROE) | 2.6569% | 5,584 |
| Retained earnings to average equity (ytd only) | 1.4283% | 5,125 |
| Net charge-offs to loans | 0.1634% | 2,401 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 16.6667% | 1,993 |
| Efficiency ratio | 83.8100% | 1,437 |
| Assets per employee ($millions) | 3.2482% | 5,354 |
| Cash dividends to net income (ytd only)* | 46.2428% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0013% | 298 |
| Loan loss allowance to noncurrent loans | 41.9220% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 1.5264% | 1,781 |
| Noncurrent loans to loans | 7.1592% | 139 |
| Net loans and leases to total assets | 15.7628% | 6,413 |
| Net loans and leases to deposits | 17.6889% | 6,426 |
| Net loans and leases to core deposits | 18.1781% | 6,420 |
| Total domestic deposits to total assets | 89.1112% | 1,170 |
| Equity capital to assets | 10.6846% | 3,256 |
| Core capital (leverage) ratio | 10.6756% | 2,741 |
| Tier 1 risk-based capital ratio | 37.2752% | 276 |
| Total risk-based capital ratio | 38.5279% | 269 |
| Memoranda: | ||
| Average total assets | $63,093,600 | 5,472 |
| Average earning assets | $60,443,000 | 5,384 |
| Average equity | $6,511,400 | 5,522 |
| Average total loans | $11,013,200 | 6,286 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1816% | 5,921 |
| Cost of funding earning assets | 0.3074% | 4,813 |
| Net interest margin | 2.8742% | 5,751 |
| Noninterest income to average assets | 0.2165% | 5,636 |
| Noninterest expense to average assets | 2.3497% | 4,964 |
| Loan and lease loss provision to assets | 0.0336% | 3,733 |
| Net operating income to assets | 0.3888% | 5,288 |
| Return on assets (ROA) | 0.3888% | 5,371 |
| Pretax return on assets | 0.5843% | 5,071 |
| Return on Equity (ROE) | 3.8002% | 5,252 |
| Retained earnings to average equity (ytd only) | 2.1569% | 4,980 |
| Net charge-offs to loans | -0.0118% | 5,466 |
| Credit loss provision to net charge-offs | -1,600.0000% | 5,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1785% | 2,032 |
| Assets per employee ($millions) | 3.2029% | 5,423 |
| Cash dividends to net income (ytd only)* | 43.2417% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9653% | 373 |
| Loan loss allowance to noncurrent loans | 54.5455% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 1.3754% | 2,246 |
| Noncurrent loans to loans | 5.4364% | 298 |
| Net loans and leases to total assets | 17.0994% | 6,484 |
| Net loans and leases to deposits | 19.2248% | 6,495 |
| Net loans and leases to core deposits | 19.7667% | 6,494 |
| Total domestic deposits to total assets | 88.9444% | 1,270 |
| Equity capital to assets | 10.8075% | 3,169 |
| Core capital (leverage) ratio | 10.6714% | 2,844 |
| Tier 1 risk-based capital ratio | 35.7630% | 334 |
| Total risk-based capital ratio | 37.0161% | 331 |
| Memoranda: | ||
| Average total assets | $63,438,250 | 5,524 |
| Average earning assets | $60,722,750 | 5,435 |
| Average equity | $6,490,750 | 5,577 |
| Average total loans | $11,259,250 | 6,342 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1897% | 5,969 |
| Cost of funding earning assets | 0.3059% | 4,914 |
| Net interest margin | 2.8837% | 5,764 |
| Noninterest income to average assets | 0.2022% | 5,750 |
| Noninterest expense to average assets | 2.2862% | 5,186 |
| Loan and lease loss provision to assets | 0.0311% | 3,658 |
| Net operating income to assets | 0.4199% | 5,136 |
| Return on assets (ROA) | 0.4199% | 5,218 |
| Pretax return on assets | 0.6408% | 4,816 |
| Return on Equity (ROE) | 4.1783% | 5,072 |
| Retained earnings to average equity (ytd only) | 4.1783% | 3,512 |
| Net charge-offs to loans | 0.0175% | 3,872 |
| Credit loss provision to net charge-offs | 1,000.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 216.0000% | 311 |
| Efficiency ratio | 77.2871% | 2,409 |
| Assets per employee ($millions) | 3.4135% | 5,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8062% | 469 |
| Loan loss allowance to noncurrent loans | 40.7895% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 1.7623% | 1,840 |
| Noncurrent loans to loans | 6.8797% | 182 |
| Net loans and leases to total assets | 16.5549% | 6,552 |
| Net loans and leases to deposits | 18.4691% | 6,563 |
| Net loans and leases to core deposits | 18.9536% | 6,558 |
| Total domestic deposits to total assets | 89.6357% | 998 |
| Equity capital to assets | 10.1701% | 3,872 |
| Core capital (leverage) ratio | 10.3533% | 3,135 |
| Tier 1 risk-based capital ratio | 34.4269% | 363 |
| Total risk-based capital ratio | 35.6789% | 355 |
| Memoranda: | ||
| Average total assets | $64,299,000 | 5,555 |
| Average earning assets | $61,448,330 | 5,468 |
| Average equity | $6,462,000 | 5,610 |
| Average total loans | $11,437,670 | 6,395 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1272% | 6,089 |
| Cost of funding earning assets | 0.3009% | 5,054 |
| Net interest margin | 2.8263% | 5,884 |
| Noninterest income to average assets | 0.2812% | 5,119 |
| Noninterest expense to average assets | 2.2493% | 5,328 |
| Loan and lease loss provision to assets | 0.0250% | 3,507 |
| Net operating income to assets | 0.4873% | 4,750 |
| Return on assets (ROA) | 0.4873% | 4,825 |
| Pretax return on assets | 0.7060% | 4,470 |
| Return on Equity (ROE) | 4.8788% | 4,603 |
| Retained earnings to average equity (ytd only) | 4.8788% | 3,184 |
| Net charge-offs to loans | 0.0688% | 2,463 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 58.5000% | 666 |
| Efficiency ratio | 75.4717% | 2,876 |
| Assets per employee ($millions) | 3.0245% | 5,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6366% | 684 |
| Loan loss allowance to noncurrent loans | 41.1126% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 1.8248% | 1,914 |
| Noncurrent loans to loans | 6.4132% | 262 |
| Net loans and leases to total assets | 17.6166% | 6,612 |
| Net loans and leases to deposits | 19.6395% | 6,625 |
| Net loans and leases to core deposits | 20.1724% | 6,617 |
| Total domestic deposits to total assets | 89.6999% | 1,243 |
| Equity capital to assets | 10.1899% | 3,609 |
| Core capital (leverage) ratio | 10.4524% | 2,987 |
| Tier 1 risk-based capital ratio | 33.9121% | 384 |
| Total risk-based capital ratio | 35.1660% | 376 |
| Memoranda: | ||
| Average total assets | $64,020,000 | 5,621 |
| Average earning assets | $61,140,000 | 5,537 |
| Average equity | $6,395,000 | 5,664 |
| Average total loans | $11,633,000 | 6,457 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0984% | 6,240 |
| Cost of funding earning assets | 0.3978% | 4,679 |
| Net interest margin | 2.7006% | 6,142 |
| Noninterest income to average assets | 0.2343% | 5,671 |
| Noninterest expense to average assets | 2.4487% | 4,936 |
| Loan and lease loss provision to assets | 0.0224% | 4,681 |
| Net operating income to assets | 0.2940% | 5,542 |
| Return on assets (ROA) | 0.2940% | 5,636 |
| Pretax return on assets | 0.3462% | 5,611 |
| Return on Equity (ROE) | 3.0750% | 5,474 |
| Retained earnings to average equity (ytd only) | 1.8262% | 4,936 |
| Net charge-offs to loans | 0.0242% | 4,936 |
| Credit loss provision to net charge-offs | 500.0000% | 459 |
| Earnings coverage of net charge-offs (x) | 82.3333% | 539 |
| Efficiency ratio | 86.9174% | 1,322 |
| Assets per employee ($millions) | 3.3961% | 5,098 |
| Cash dividends to net income (ytd only)* | 40.6091% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5565% | 772 |
| Loan loss allowance to noncurrent loans | 39.9734% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 1.8210% | 2,018 |
| Noncurrent loans to loans | 6.3954% | 291 |
| Net loans and leases to total assets | 17.7804% | 6,695 |
| Net loans and leases to deposits | 19.7212% | 6,707 |
| Net loans and leases to core deposits | 20.2442% | 6,699 |
| Total domestic deposits to total assets | 90.1590% | 1,000 |
| Equity capital to assets | 9.7914% | 4,051 |
| Core capital (leverage) ratio | 9.9617% | 3,626 |
| Tier 1 risk-based capital ratio | 32.9178% | 402 |
| Total risk-based capital ratio | 34.1695% | 398 |
| Memoranda: | ||
| Average total assets | $67,014,800 | 5,565 |
| Average earning assets | $64,097,400 | 5,465 |
| Average equity | $6,406,600 | 5,713 |
| Average total loans | $12,376,600 | 6,504 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0716% | 6,348 |
| Cost of funding earning assets | 0.4223% | 4,587 |
| Net interest margin | 2.6492% | 6,250 |
| Noninterest income to average assets | 0.2306% | 5,781 |
| Noninterest expense to average assets | 2.3182% | 5,282 |
| Loan and lease loss provision to assets | 0.0296% | 4,415 |
| Net operating income to assets | 0.2681% | 5,720 |
| Return on assets (ROA) | 0.2681% | 5,827 |
| Pretax return on assets | 0.4179% | 5,580 |
| Return on Equity (ROE) | 2.8206% | 5,669 |
| Retained earnings to average equity (ytd only) | 1.1613% | 5,515 |
| Net charge-offs to loans | 0.0532% | 4,146 |
| Credit loss provision to net charge-offs | 300.0000% | 845 |
| Earnings coverage of net charge-offs (x) | 45.3763% | 925 |
| Efficiency ratio | 83.8204% | 1,625 |
| Assets per employee ($millions) | 3.8815% | 4,067 |
| Cash dividends to net income (ytd only)* | 58.8209% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4532% | 984 |
| Loan loss allowance to noncurrent loans | 39.8136% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 2.0035% | 2,016 |
| Noncurrent loans to loans | 6.1618% | 397 |
| Net loans and leases to total assets | 18.0177% | 6,771 |
| Net loans and leases to deposits | 19.9698% | 6,786 |
| Net loans and leases to core deposits | 20.4863% | 6,786 |
| Total domestic deposits to total assets | 90.2251% | 879 |
| Equity capital to assets | 9.5370% | 4,506 |
| Core capital (leverage) ratio | 9.8105% | 3,940 |
| Tier 1 risk-based capital ratio | 31.6401% | 451 |
| Total risk-based capital ratio | 32.8931% | 445 |
| Memoranda: | ||
| Average total assets | $67,637,000 | 5,605 |
| Average earning assets | $64,721,000 | 5,501 |
| Average equity | $6,428,750 | 5,779 |
| Average total loans | $12,527,250 | 6,565 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0926% | 6,346 |
| Cost of funding earning assets | 0.4291% | 4,670 |
| Net interest margin | 2.6635% | 6,235 |
| Noninterest income to average assets | 0.2200% | 5,866 |
| Noninterest expense to average assets | 2.2761% | 5,430 |
| Loan and lease loss provision to assets | 0.0440% | 4,087 |
| Net operating income to assets | 0.2757% | 5,687 |
| Return on assets (ROA) | 0.2757% | 5,822 |
| Pretax return on assets | 0.4488% | 5,524 |
| Return on Equity (ROE) | 2.9039% | 5,661 |
| Retained earnings to average equity (ytd only) | 2.9039% | 4,463 |
| Net charge-offs to loans | -0.1108% | 6,524 |
| Credit loss provision to net charge-offs | -214.2857% | 5,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2034% | 1,857 |
| Assets per employee ($millions) | 3.3751% | 5,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5131% | 971 |
| Loan loss allowance to noncurrent loans | 40.1809% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 1.9748% | 2,184 |
| Noncurrent loans to loans | 6.2545% | 423 |
| Net loans and leases to total assets | 17.8723% | 6,819 |
| Net loans and leases to deposits | 19.7978% | 6,840 |
| Net loans and leases to core deposits | 20.2971% | 6,838 |
| Total domestic deposits to total assets | 90.2742% | 876 |
| Equity capital to assets | 9.4932% | 4,591 |
| Core capital (leverage) ratio | 9.4975% | 4,251 |
| Tier 1 risk-based capital ratio | 31.7211% | 448 |
| Total risk-based capital ratio | 32.9749% | 440 |
| Memoranda: | ||
| Average total assets | $68,187,670 | 5,631 |
| Average earning assets | $65,253,000 | 5,522 |
| Average equity | $6,474,000 | 5,817 |
| Average total loans | $12,640,330 | 6,610 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0146% | 6,502 |
| Cost of funding earning assets | 0.4150% | 4,964 |
| Net interest margin | 2.5996% | 6,373 |
| Noninterest income to average assets | 0.1985% | 6,055 |
| Noninterest expense to average assets | 2.2063% | 5,671 |
| Loan and lease loss provision to assets | 0.0584% | 3,658 |
| Net operating income to assets | 0.2802% | 5,631 |
| Return on assets (ROA) | 0.2802% | 5,752 |
| Pretax return on assets | 0.4202% | 5,499 |
| Return on Equity (ROE) | 2.9507% | 5,602 |
| Retained earnings to average equity (ytd only) | 2.9507% | 4,512 |
| Net charge-offs to loans | -0.0313% | 5,912 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1739% | 2,019 |
| Assets per employee ($millions) | 3.5613% | 4,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3760% | 1,285 |
| Loan loss allowance to noncurrent loans | 35.8852% | 5,788 |
| Noncurrent assets plus other real estate owned to assets | 1.9726% | 2,377 |
| Noncurrent loans to loans | 6.6213% | 478 |
| Net loans and leases to total assets | 17.3057% | 6,897 |
| Net loans and leases to deposits | 19.0914% | 6,915 |
| Net loans and leases to core deposits | 19.5570% | 6,910 |
| Total domestic deposits to total assets | 90.6465% | 696 |
| Equity capital to assets | 9.1695% | 5,291 |
| Core capital (leverage) ratio | 9.5877% | 3,947 |
| Tier 1 risk-based capital ratio | 31.2760% | 477 |
| Total risk-based capital ratio | 32.5305% | 468 |
| Memoranda: | ||
| Average total assets | $68,531,000 | 5,673 |
| Average earning assets | $65,547,500 | 5,561 |
| Average equity | $6,507,000 | 5,865 |
| Average total loans | $12,773,000 | 6,670 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5898% | 6,239 |
| Cost of funding earning assets | 0.6175% | 4,199 |
| Net interest margin | 2.9723% | 6,099 |
| Noninterest income to average assets | 0.2956% | 5,353 |
| Noninterest expense to average assets | 2.5681% | 4,868 |
| Loan and lease loss provision to assets | 0.0704% | 4,861 |
| Net operating income to assets | 0.3284% | 5,369 |
| Return on assets (ROA) | 0.3284% | 5,582 |
| Pretax return on assets | 0.4880% | 5,315 |
| Return on Equity (ROE) | 3.2641% | 5,442 |
| Retained earnings to average equity (ytd only) | 2.0206% | 4,805 |
| Net charge-offs to loans | 0.1981% | 3,794 |
| Credit loss provision to net charge-offs | 166.6667% | 1,592 |
| Earnings coverage of net charge-offs (x) | 13.2222% | 1,850 |
| Efficiency ratio | 82.1411% | 1,846 |
| Assets per employee ($millions) | 3.1351% | 5,774 |
| Cash dividends to net income (ytd only)* | 38.0952% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2368% | 1,488 |
| Loan loss allowance to noncurrent loans | 51.5152% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 1.7012% | 2,847 |
| Noncurrent loans to loans | 4.3421% | 1,008 |
| Net loans and leases to total assets | 19.1853% | 6,936 |
| Net loans and leases to deposits | 21.3408% | 6,959 |
| Net loans and leases to core deposits | 21.9098% | 6,963 |
| Total domestic deposits to total assets | 89.8993% | 1,007 |
| Equity capital to assets | 9.8470% | 4,383 |
| Core capital (leverage) ratio | 9.8604% | 3,593 |
| Tier 1 risk-based capital ratio | 32.7144% | 409 |
| Total risk-based capital ratio | 33.9657% | 402 |
| Memoranda: | ||
| Average total assets | $63,938,200 | 5,819 |
| Average earning assets | $60,895,000 | 5,709 |
| Average equity | $6,433,600 | 5,908 |
| Average total loans | $13,629,800 | 6,709 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7063% | 6,209 |
| Cost of funding earning assets | 0.6751% | 3,975 |
| Net interest margin | 3.0313% | 6,104 |
| Noninterest income to average assets | 0.3130% | 5,279 |
| Noninterest expense to average assets | 2.5484% | 4,926 |
| Loan and lease loss provision to assets | 0.0735% | 4,744 |
| Net operating income to assets | 0.3256% | 5,520 |
| Return on assets (ROA) | 0.3256% | 5,726 |
| Pretax return on assets | 0.5777% | 5,239 |
| Return on Equity (ROE) | 3.2184% | 5,603 |
| Retained earnings to average equity (ytd only) | 1.5573% | 5,557 |
| Net charge-offs to loans | 0.2801% | 3,046 |
| Credit loss provision to net charge-offs | 120.6897% | 2,399 |
| Earnings coverage of net charge-offs (x) | 10.6884% | 2,158 |
| Efficiency ratio | 79.6454% | 2,144 |
| Assets per employee ($millions) | 3.0897% | 5,880 |
| Cash dividends to net income (ytd only)* | 51.6113% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0496% | 2,036 |
| Loan loss allowance to noncurrent loans | 154.7486% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 1.2251% | 3,844 |
| Noncurrent loans to loans | 1.3245% | 3,819 |
| Net loans and leases to total assets | 21.4231% | 7,007 |
| Net loans and leases to deposits | 24.1305% | 7,036 |
| Net loans and leases to core deposits | 24.8251% | 7,037 |
| Total domestic deposits to total assets | 88.7803% | 1,545 |
| Equity capital to assets | 10.4122% | 3,942 |
| Core capital (leverage) ratio | 10.2551% | 3,215 |
| Tier 1 risk-based capital ratio | 32.2143% | 435 |
| Total risk-based capital ratio | 33.4670% | 426 |
| Memoranda: | ||
| Average total assets | $63,463,500 | 5,894 |
| Average earning assets | $60,435,250 | 5,790 |
| Average equity | $6,421,250 | 5,981 |
| Average total loans | $13,807,250 | 6,792 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8273% | 6,076 |
| Cost of funding earning assets | 0.7084% | 3,950 |
| Net interest margin | 3.1189% | 5,951 |
| Noninterest income to average assets | 0.2937% | 5,454 |
| Noninterest expense to average assets | 2.4992% | 5,140 |
| Loan and lease loss provision to assets | 0.0937% | 4,384 |
| Net operating income to assets | 0.3499% | 5,431 |
| Return on assets (ROA) | 0.3499% | 5,655 |
| Pretax return on assets | 0.6717% | 4,906 |
| Return on Equity (ROE) | 3.4907% | 5,480 |
| Retained earnings to average equity (ytd only) | 3.4907% | 4,266 |
| Net charge-offs to loans | 0.5178% | 2,036 |
| Credit loss provision to net charge-offs | 83.3333% | 3,230 |
| Earnings coverage of net charge-offs (x) | 6.8056% | 2,576 |
| Efficiency ratio | 76.5550% | 2,661 |
| Assets per employee ($millions) | 3.1257% | 5,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9160% | 2,501 |
| Loan loss allowance to noncurrent loans | 101.9231% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 1.2829% | 3,863 |
| Noncurrent loans to loans | 1.8798% | 3,102 |
| Net loans and leases to total assets | 21.7007% | 7,062 |
| Net loans and leases to deposits | 24.4168% | 7,086 |
| Net loans and leases to core deposits | 25.1097% | 7,088 |
| Total domestic deposits to total assets | 88.8761% | 1,587 |
| Equity capital to assets | 10.3481% | 3,885 |
| Core capital (leverage) ratio | 10.1660% | 3,182 |
| Tier 1 risk-based capital ratio | 32.4583% | 419 |
| Total risk-based capital ratio | 33.7081% | 413 |
| Memoranda: | ||
| Average total assets | $64,020,330 | 5,916 |
| Average earning assets | $60,983,330 | 5,803 |
| Average equity | $6,417,000 | 6,009 |
| Average total loans | $13,904,670 | 6,847 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8697% | 6,088 |
| Cost of funding earning assets | 0.7778% | 3,641 |
| Net interest margin | 3.0919% | 6,073 |
| Noninterest income to average assets | 0.2161% | 6,068 |
| Noninterest expense to average assets | 2.3466% | 5,640 |
| Loan and lease loss provision to assets | 0.0926% | 4,192 |
| Net operating income to assets | 0.4014% | 5,251 |
| Return on assets (ROA) | 0.4014% | 5,436 |
| Pretax return on assets | 0.7225% | 4,723 |
| Return on Equity (ROE) | 4.0682% | 5,265 |
| Retained earnings to average equity (ytd only) | 4.0682% | 4,152 |
| Net charge-offs to loans | 0.8894% | 1,158 |
| Credit loss provision to net charge-offs | 48.3871% | 3,310 |
| Earnings coverage of net charge-offs (x) | 4.2581% | 2,616 |
| Efficiency ratio | 74.2188% | 3,068 |
| Assets per employee ($millions) | 3.0870% | 5,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8638% | 2,792 |
| Loan loss allowance to noncurrent loans | 61.1511% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 1.4793% | 3,646 |
| Noncurrent loans to loans | 3.0478% | 2,117 |
| Net loans and leases to total assets | 20.7117% | 7,131 |
| Net loans and leases to deposits | 23.1416% | 7,152 |
| Net loans and leases to core deposits | 24.0951% | 7,153 |
| Total domestic deposits to total assets | 89.4999% | 1,368 |
| Equity capital to assets | 9.9078% | 4,245 |
| Core capital (leverage) ratio | 9.8552% | 3,563 |
| Tier 1 risk-based capital ratio | 31.1587% | 483 |
| Total risk-based capital ratio | 32.3965% | 471 |
| Memoranda: | ||
| Average total assets | $64,773,500 | 5,929 |
| Average earning assets | $61,710,500 | 5,818 |
| Average equity | $6,391,000 | 6,047 |
| Average total loans | $13,941,500 | 6,906 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2491% | 5,921 |
| Cost of funding earning assets | 0.8543% | 4,441 |
| Net interest margin | 3.3948% | 5,496 |
| Noninterest income to average assets | 0.3865% | 4,733 |
| Noninterest expense to average assets | 2.6016% | 5,091 |
| Loan and lease loss provision to assets | 0.1812% | 4,384 |
| Net operating income to assets | 0.5224% | 4,331 |
| Return on assets (ROA) | 0.5224% | 4,539 |
| Pretax return on assets | 0.8320% | 3,861 |
| Return on Equity (ROE) | 5.5832% | 4,089 |
| Retained earnings to average equity (ytd only) | 4.2923% | 3,126 |
| Net charge-offs to loans | 0.5486% | 2,818 |
| Credit loss provision to net charge-offs | 142.8571% | 2,037 |
| Earnings coverage of net charge-offs (x) | 7.9881% | 2,229 |
| Efficiency ratio | 71.9716% | 3,581 |
| Assets per employee ($millions) | 3.2360% | 5,643 |
| Cash dividends to net income (ytd only)* | 23.1214% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9083% | 2,544 |
| Loan loss allowance to noncurrent loans | 55.6468% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 1.2886% | 4,065 |
| Noncurrent loans to loans | 3.4293% | 1,880 |
| Net loans and leases to total assets | 21.5238% | 7,188 |
| Net loans and leases to deposits | 23.9982% | 7,210 |
| Net loans and leases to core deposits | 24.8679% | 7,206 |
| Total domestic deposits to total assets | 89.6893% | 1,162 |
| Equity capital to assets | 9.8256% | 4,405 |
| Core capital (leverage) ratio | 9.5074% | 4,016 |
| Tier 1 risk-based capital ratio | 30.5466% | 494 |
| Total risk-based capital ratio | 31.7965% | 482 |
| Memoranda: | ||
| Average total assets | $66,228,200 | 5,859 |
| Average earning assets | $62,978,200 | 5,770 |
| Average equity | $6,197,200 | 6,104 |
| Average total loans | $15,310,600 | 6,888 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3012% | 5,948 |
| Cost of funding earning assets | 0.8657% | 4,661 |
| Net interest margin | 3.4354% | 5,443 |
| Noninterest income to average assets | 0.3603% | 4,985 |
| Noninterest expense to average assets | 2.5563% | 5,254 |
| Loan and lease loss provision to assets | 0.1802% | 4,228 |
| Net operating income to assets | 0.5805% | 4,173 |
| Return on assets (ROA) | 0.5805% | 4,353 |
| Pretax return on assets | 0.8888% | 3,813 |
| Return on Equity (ROE) | 6.2803% | 3,887 |
| Retained earnings to average equity (ytd only) | 4.5477% | 3,484 |
| Net charge-offs to loans | -0.0342% | 6,984 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5135% | 3,855 |
| Assets per employee ($millions) | 2.9103% | 6,295 |
| Cash dividends to net income (ytd only)* | 27.5850% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1920% | 1,876 |
| Loan loss allowance to noncurrent loans | 29.1150% | 6,305 |
| Noncurrent assets plus other real estate owned to assets | 2.3068% | 2,780 |
| Noncurrent loans to loans | 7.5288% | 620 |
| Net loans and leases to total assets | 22.9278% | 7,246 |
| Net loans and leases to deposits | 25.5091% | 7,273 |
| Net loans and leases to core deposits | 26.4409% | 7,272 |
| Total domestic deposits to total assets | 89.8808% | 934 |
| Equity capital to assets | 9.8521% | 4,546 |
| Core capital (leverage) ratio | 9.7301% | 3,804 |
| Tier 1 risk-based capital ratio | 29.8752% | 543 |
| Total risk-based capital ratio | 31.1276% | 533 |
| Memoranda: | ||
| Average total assets | $66,605,500 | 5,893 |
| Average earning assets | $63,299,250 | 5,794 |
| Average equity | $6,156,750 | 6,163 |
| Average total loans | $15,588,000 | 6,941 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3553% | 5,837 |
| Cost of funding earning assets | 0.8929% | 4,732 |
| Net interest margin | 3.4624% | 5,313 |
| Noninterest income to average assets | 0.3795% | 4,850 |
| Noninterest expense to average assets | 2.5050% | 5,516 |
| Loan and lease loss provision to assets | 0.1779% | 4,143 |
| Net operating income to assets | 0.6789% | 3,646 |
| Return on assets (ROA) | 0.6789% | 3,772 |
| Pretax return on assets | 0.9842% | 3,291 |
| Return on Equity (ROE) | 7.5004% | 3,190 |
| Retained earnings to average equity (ytd only) | 7.5004% | 1,659 |
| Net charge-offs to loans | -0.0634% | 7,069 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3104% | 4,462 |
| Assets per employee ($millions) | 3.1830% | 5,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9359% | 2,556 |
| Loan loss allowance to noncurrent loans | 32.4324% | 6,122 |
| Noncurrent assets plus other real estate owned to assets | 1.8880% | 3,383 |
| Noncurrent loans to loans | 5.9689% | 1,004 |
| Net loans and leases to total assets | 22.7350% | 7,335 |
| Net loans and leases to deposits | 25.1648% | 7,358 |
| Net loans and leases to core deposits | 26.2338% | 7,360 |
| Total domestic deposits to total assets | 90.3447% | 790 |
| Equity capital to assets | 9.3950% | 4,983 |
| Core capital (leverage) ratio | 9.4647% | 4,008 |
| Tier 1 risk-based capital ratio | 28.9970% | 598 |
| Total risk-based capital ratio | 30.2456% | 585 |
| Memoranda: | ||
| Average total assets | $67,465,000 | 5,904 |
| Average earning assets | $64,060,330 | 5,825 |
| Average equity | $6,106,330 | 6,204 |
| Average total loans | $15,781,000 | 6,992 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3676% | 5,798 |
| Cost of funding earning assets | 0.9284% | 4,724 |
| Net interest margin | 3.4393% | 5,266 |
| Noninterest income to average assets | 0.3128% | 5,427 |
| Noninterest expense to average assets | 2.3843% | 5,935 |
| Loan and lease loss provision to assets | 0.1771% | 3,851 |
| Net operating income to assets | 0.7082% | 3,487 |
| Return on assets (ROA) | 0.7082% | 3,552 |
| Pretax return on assets | 1.0092% | 3,102 |
| Return on Equity (ROE) | 7.9741% | 2,927 |
| Retained earnings to average equity (ytd only) | 7.9741% | 1,745 |
| Net charge-offs to loans | -0.0251% | 6,644 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7769% | 4,899 |
| Assets per employee ($millions) | 3.4248% | 5,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6986% | 3,343 |
| Loan loss allowance to noncurrent loans | 27.6507% | 6,425 |
| Noncurrent assets plus other real estate owned to assets | 2.0921% | 3,205 |
| Noncurrent loans to loans | 6.1430% | 1,015 |
| Net loans and leases to total assets | 22.4743% | 7,398 |
| Net loans and leases to deposits | 24.7257% | 7,421 |
| Net loans and leases to core deposits | 25.8762% | 7,418 |
| Total domestic deposits to total assets | 90.8944% | 680 |
| Equity capital to assets | 8.8706% | 5,392 |
| Core capital (leverage) ratio | 9.1894% | 4,310 |
| Tier 1 risk-based capital ratio | 26.5717% | 737 |
| Total risk-based capital ratio | 27.7100% | 732 |
| Memoranda: | ||
| Average total assets | $67,775,500 | 5,937 |
| Average earning assets | $64,199,500 | 5,854 |
| Average equity | $6,019,500 | 6,244 |
| Average total loans | $15,923,000 | 7,037 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6180% | 6,061 |
| Cost of funding earning assets | 1.1941% | 4,598 |
| Net interest margin | 3.4239% | 5,534 |
| Noninterest income to average assets | 0.4543% | 4,486 |
| Noninterest expense to average assets | 4.0101% | 1,145 |
| Loan and lease loss provision to assets | 0.2943% | 4,445 |
| Net operating income to assets | -0.3079% | 6,226 |
| Return on assets (ROA) | -0.3079% | 6,265 |
| Pretax return on assets | -0.6520% | 6,429 |
| Return on Equity (ROE) | -3.2210% | 6,294 |
| Retained earnings to average equity (ytd only) | -3.2210% | 6,118 |
| Net charge-offs to loans | 0.8519% | 2,506 |
| Credit loss provision to net charge-offs | 136.3636% | 2,815 |
| Earnings coverage of net charge-offs (x) | -1.6573% | 6,687 |
| Efficiency ratio | 68.4711% | 4,458 |
| Assets per employee ($millions) | 3.1931% | 5,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4519% | 4,273 |
| Loan loss allowance to noncurrent loans | 25.5991% | 6,565 |
| Noncurrent assets plus other real estate owned to assets | 2.0714% | 3,260 |
| Noncurrent loans to loans | 5.6716% | 1,141 |
| Net loans and leases to total assets | 23.7879% | 7,475 |
| Net loans and leases to deposits | 26.1723% | 7,510 |
| Net loans and leases to core deposits | 27.4171% | 7,502 |
| Total domestic deposits to total assets | 90.8896% | 659 |
| Equity capital to assets | 8.8927% | 5,294 |
| Core capital (leverage) ratio | 8.5111% | 5,341 |
| Tier 1 risk-based capital ratio | 24.6538% | 876 |
| Total risk-based capital ratio | 25.6054% | 887 |
| Memoranda: | ||
| Average total assets | $66,257,600 | 5,990 |
| Average earning assets | $61,887,800 | 5,925 |
| Average equity | $6,333,400 | 6,259 |
| Average total loans | $16,786,200 | 7,080 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6925% | 6,049 |
| Cost of funding earning assets | 1.2382% | 4,639 |
| Net interest margin | 3.4544% | 5,475 |
| Noninterest income to average assets | 0.4703% | 4,415 |
| Noninterest expense to average assets | 3.0316% | 3,640 |
| Loan and lease loss provision to assets | 0.3330% | 3,941 |
| Net operating income to assets | 0.2503% | 5,350 |
| Return on assets (ROA) | 0.2503% | 5,509 |
| Pretax return on assets | 0.3209% | 5,448 |
| Return on Equity (ROE) | 2.5728% | 5,402 |
| Retained earnings to average equity (ytd only) | 2.5728% | 4,620 |
| Net charge-offs to loans | 1.1415% | 1,788 |
| Credit loss provision to net charge-offs | 113.7931% | 3,679 |
| Earnings coverage of net charge-offs (x) | 2.2345% | 4,056 |
| Efficiency ratio | 65.8269% | 4,901 |
| Assets per employee ($millions) | 3.1509% | 5,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 5,247 |
| Loan loss allowance to noncurrent loans | 25.0308% | 6,642 |
| Noncurrent assets plus other real estate owned to assets | 1.8508% | 3,679 |
| Noncurrent loans to loans | 4.9846% | 1,388 |
| Net loans and leases to total assets | 23.1780% | 7,576 |
| Net loans and leases to deposits | 25.7047% | 7,621 |
| Net loans and leases to core deposits | 26.8944% | 7,612 |
| Total domestic deposits to total assets | 90.1702% | 791 |
| Equity capital to assets | 9.2715% | 5,186 |
| Core capital (leverage) ratio | 8.8177% | 4,972 |
| Tier 1 risk-based capital ratio | 22.8649% | 1,090 |
| Total risk-based capital ratio | 23.6769% | 1,116 |
| Memoranda: | ||
| Average total assets | $66,058,250 | 6,065 |
| Average earning assets | $61,486,000 | 6,006 |
| Average equity | $6,426,000 | 6,309 |
| Average total loans | $16,936,250 | 7,171 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8732% | 5,514 |
| Cost of funding earning assets | 1.3653% | 4,085 |
| Net interest margin | 3.5079% | 5,214 |
| Noninterest income to average assets | 0.5541% | 3,675 |
| Noninterest expense to average assets | 2.5488% | 5,527 |
| Loan and lease loss provision to assets | 0.1847% | 5,024 |
| Net operating income to assets | 0.7542% | 3,175 |
| Return on assets (ROA) | 0.7542% | 3,333 |
| Pretax return on assets | 1.0712% | 2,871 |
| Return on Equity (ROE) | 7.6257% | 3,046 |
| Retained earnings to average equity (ytd only) | 7.6257% | 1,586 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9903% | 4,765 |
| Assets per employee ($millions) | 2.9228% | 6,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4276% | 4,300 |
| Loan loss allowance to noncurrent loans | 32.1429% | 6,220 |
| Noncurrent assets plus other real estate owned to assets | 2.0821% | 3,403 |
| Noncurrent loans to loans | 4.4416% | 1,642 |
| Net loans and leases to total assets | 27.3351% | 7,593 |
| Net loans and leases to deposits | 30.8351% | 7,629 |
| Net loans and leases to core deposits | 31.6889% | 7,632 |
| Total domestic deposits to total assets | 88.6492% | 1,643 |
| Equity capital to assets | 10.6828% | 3,187 |
| Core capital (leverage) ratio | 8.9662% | 4,659 |
| Tier 1 risk-based capital ratio | 23.0910% | 1,058 |
| Total risk-based capital ratio | 24.1044% | 1,064 |
| Memoranda: | ||
| Average total assets | $64,971,000 | 6,140 |
| Average earning assets | $60,206,670 | 6,095 |
| Average equity | $6,425,670 | 6,329 |
| Average total loans | $17,158,330 | 7,215 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7963% | 5,901 |
| Cost of funding earning assets | 1.5126% | 3,475 |
| Net interest margin | 3.2837% | 6,039 |
| Noninterest income to average assets | 0.3415% | 5,411 |
| Noninterest expense to average assets | 2.1328% | 6,856 |
| Loan and lease loss provision to assets | 0.1797% | 4,729 |
| Net operating income to assets | 0.7609% | 3,152 |
| Return on assets (ROA) | 0.7609% | 3,261 |
| Pretax return on assets | 1.0724% | 2,830 |
| Return on Equity (ROE) | 7.9874% | 2,890 |
| Retained earnings to average equity (ytd only) | 7.9874% | 1,712 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0088% | 5,662 |
| Assets per employee ($millions) | 3.3366% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2630% | 5,136 |
| Loan loss allowance to noncurrent loans | 26.1671% | 6,659 |
| Noncurrent assets plus other real estate owned to assets | 2.2825% | 3,171 |
| Noncurrent loans to loans | 4.8269% | 1,521 |
| Net loans and leases to total assets | 26.2655% | 7,698 |
| Net loans and leases to deposits | 29.4948% | 7,736 |
| Net loans and leases to core deposits | 33.3087% | 7,699 |
| Total domestic deposits to total assets | 89.0512% | 1,492 |
| Equity capital to assets | 10.1601% | 3,662 |
| Core capital (leverage) ratio | 8.4575% | 5,452 |
| Tier 1 risk-based capital ratio | 22.2880% | 1,163 |
| Total risk-based capital ratio | 23.1639% | 1,200 |
| Memoranda: | ||
| Average total assets | $66,767,000 | 6,144 |
| Average earning assets | $61,880,500 | 6,096 |
| Average equity | $6,360,000 | 6,398 |
| Average total loans | $17,227,000 | 7,302 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7244% | 2,987 |
| Cost of funding earning assets | 1.8757% | 3,594 |
| Net interest margin | 3.8487% | 3,489 |
| Noninterest income to average assets | 0.4057% | 5,160 |
| Noninterest expense to average assets | 2.9953% | 4,160 |
| Loan and lease loss provision to assets | 0.0541% | 7,023 |
| Net operating income to assets | 0.5544% | 3,508 |
| Return on assets (ROA) | 0.5544% | 3,595 |
| Pretax return on assets | 0.9044% | 2,910 |
| Return on Equity (ROE) | 5.2990% | 3,530 |
| Retained earnings to average equity (ytd only) | 4.0066% | 2,405 |
| Net charge-offs to loans | 1.0131% | 2,387 |
| Credit loss provision to net charge-offs | 17.2043% | 6,947 |
| Earnings coverage of net charge-offs (x) | 3.0484% | 3,549 |
| Efficiency ratio | 75.7589% | 3,565 |
| Assets per employee ($millions) | 3.3400% | 5,402 |
| Cash dividends to net income (ytd only)* | 24.3902% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 6,172 |
| Loan loss allowance to noncurrent loans | 21.0829% | 7,013 |
| Noncurrent assets plus other real estate owned to assets | 2.1429% | 3,216 |
| Noncurrent loans to loans | 4.9346% | 1,380 |
| Net loans and leases to total assets | 24.8179% | 7,794 |
| Net loans and leases to deposits | 27.4610% | 7,844 |
| Net loans and leases to core deposits | 35.1841% | 7,820 |
| Total domestic deposits to total assets | 90.3748% | 793 |
| Equity capital to assets | 8.9522% | 5,214 |
| Core capital (leverage) ratio | 8.0776% | 6,036 |
| Tier 1 risk-based capital ratio | 20.2332% | 1,422 |
| Total risk-based capital ratio | 20.9327% | 1,488 |
| Memoranda: | ||
| Average total assets | $59,158,400 | 6,384 |
| Average earning assets | $54,538,200 | 6,356 |
| Average equity | $6,189,800 | 6,537 |
| Average total loans | $18,359,200 | 7,292 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9365% | 2,289 |
| Cost of funding earning assets | 1.9874% | 3,432 |
| Net interest margin | 3.9491% | 3,039 |
| Noninterest income to average assets | 0.4301% | 5,046 |
| Noninterest expense to average assets | 2.8267% | 4,776 |
| Loan and lease loss provision to assets | 0.0425% | 6,941 |
| Net operating income to assets | 0.8107% | 2,769 |
| Return on assets (ROA) | 0.8107% | 2,830 |
| Pretax return on assets | 1.1912% | 2,293 |
| Return on Equity (ROE) | 7.4150% | 2,904 |
| Retained earnings to average equity (ytd only) | 5.6856% | 2,108 |
| Net charge-offs to loans | -0.1222% | 7,937 |
| Credit loss provision to net charge-offs | -105.8824% | 7,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6158% | 4,674 |
| Assets per employee ($millions) | 2.9811% | 6,211 |
| Cash dividends to net income (ytd only)* | 23.3228% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0329% | 1,722 |
| Loan loss allowance to noncurrent loans | 53.9913% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 1.9615% | 3,398 |
| Noncurrent loans to loans | 3.7652% | 1,974 |
| Net loans and leases to total assets | 28.6356% | 7,835 |
| Net loans and leases to deposits | 32.1353% | 7,885 |
| Net loans and leases to core deposits | 44.9028% | 7,783 |
| Total domestic deposits to total assets | 89.1093% | 1,151 |
| Equity capital to assets | 10.1112% | 3,950 |
| Core capital (leverage) ratio | 7.6328% | 6,824 |
| Tier 1 risk-based capital ratio | 18.8127% | 1,794 |
| Total risk-based capital ratio | 20.0638% | 1,752 |
| Memoranda: | ||
| Average total assets | $56,413,250 | 6,525 |
| Average earning assets | $51,859,000 | 6,505 |
| Average equity | $6,167,500 | 6,603 |
| Average total loans | $18,551,500 | 7,351 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8449% | 2,831 |
| Cost of funding earning assets | 1.8546% | 4,492 |
| Net interest margin | 3.9903% | 2,736 |
| Noninterest income to average assets | 0.4453% | 4,888 |
| Noninterest expense to average assets | 2.9439% | 4,317 |
| Loan and lease loss provision to assets | 0.0442% | 6,791 |
| Net operating income to assets | 0.7139% | 3,193 |
| Return on assets (ROA) | 0.7139% | 3,299 |
| Pretax return on assets | 1.1150% | 2,582 |
| Return on Equity (ROE) | 6.3468% | 3,501 |
| Retained earnings to average equity (ytd only) | 5.0382% | 2,484 |
| Net charge-offs to loans | -0.1824% | 8,021 |
| Credit loss provision to net charge-offs | -70.5882% | 6,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7489% | 4,467 |
| Assets per employee ($millions) | 2.5778% | 7,100 |
| Cash dividends to net income (ytd only)* | 20.6186% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0058% | 1,555 |
| Loan loss allowance to noncurrent loans | 45.8647% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 2.2186% | 2,921 |
| Noncurrent loans to loans | 4.3733% | 1,482 |
| Net loans and leases to total assets | 33.0310% | 7,805 |
| Net loans and leases to deposits | 37.5391% | 7,873 |
| Net loans and leases to core deposits | 56.8084% | 7,568 |
| Total domestic deposits to total assets | 87.9909% | 1,782 |
| Equity capital to assets | 11.3367% | 2,644 |
| Core capital (leverage) ratio | 9.5593% | 3,800 |
| Tier 1 risk-based capital ratio | 21.2952% | 1,350 |
| Total risk-based capital ratio | 22.5485% | 1,314 |
| Memoranda: | ||
| Average total assets | $54,349,670 | 6,665 |
| Average earning assets | $49,821,000 | 6,635 |
| Average equity | $6,113,330 | 6,681 |
| Average total loans | $18,635,670 | 7,414 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8083% | 3,253 |
| Cost of funding earning assets | 1.8532% | 4,862 |
| Net interest margin | 3.9551% | 2,833 |
| Noninterest income to average assets | 0.4481% | 4,792 |
| Noninterest expense to average assets | 2.5928% | 5,483 |
| Loan and lease loss provision to assets | 0.0441% | 6,416 |
| Net operating income to assets | 1.0063% | 2,283 |
| Return on assets (ROA) | 1.0063% | 2,425 |
| Pretax return on assets | 1.4323% | 1,878 |
| Return on Equity (ROE) | 8.9814% | 2,730 |
| Retained earnings to average equity (ytd only) | 6.3591% | 2,474 |
| Net charge-offs to loans | -0.3611% | 8,086 |
| Credit loss provision to net charge-offs | -35.2941% | 6,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7184% | 5,739 |
| Assets per employee ($millions) | 2.9216% | 6,370 |
| Cash dividends to net income (ytd only)* | 29.1971% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9350% | 1,548 |
| Loan loss allowance to noncurrent loans | 34.3184% | 6,252 |
| Noncurrent assets plus other real estate owned to assets | 2.5490% | 2,254 |
| Noncurrent loans to loans | 5.6383% | 889 |
| Net loans and leases to total assets | 32.8674% | 7,838 |
| Net loans and leases to deposits | 37.2301% | 7,914 |
| Net loans and leases to core deposits | 57.7410% | 7,534 |
| Total domestic deposits to total assets | 88.2816% | 1,586 |
| Equity capital to assets | 11.0825% | 2,896 |
| Core capital (leverage) ratio | 9.7177% | 3,730 |
| Tier 1 risk-based capital ratio | 20.7263% | 1,487 |
| Total risk-based capital ratio | 21.9799% | 1,460 |
| Memoranda: | ||
| Average total assets | $54,457,500 | 6,694 |
| Average earning assets | $49,860,000 | 6,666 |
| Average equity | $6,101,500 | 6,726 |
| Average total loans | $18,830,000 | 7,448 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4759% | 3,085 |
| Cost of funding earning assets | 2.2856% | 5,224 |
| Net interest margin | 4.1903% | 2,352 |
| Noninterest income to average assets | 0.4361% | 5,161 |
| Noninterest expense to average assets | 3.3159% | 2,914 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6247% | 4,208 |
| Return on assets (ROA) | 0.6247% | 4,058 |
| Pretax return on assets | 0.9665% | 3,496 |
| Return on Equity (ROE) | 5.4400% | 4,186 |
| Retained earnings to average equity (ytd only) | 5.4400% | 1,788 |
| Net charge-offs to loans | 0.2228% | 4,000 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 11.4419% | 2,373 |
| Efficiency ratio | 77.4312% | 3,009 |
| Assets per employee ($millions) | 2.6702% | 6,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7686% | 1,710 |
| Loan loss allowance to noncurrent loans | 83.8308% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 1.4381% | 3,333 |
| Noncurrent loans to loans | 2.1097% | 2,617 |
| Net loans and leases to total assets | 35.0498% | 7,866 |
| Net loans and leases to deposits | 39.8603% | 7,942 |
| Net loans and leases to core deposits | 57.2714% | 7,696 |
| Total domestic deposits to total assets | 87.9316% | 1,497 |
| Equity capital to assets | 11.3306% | 2,770 |
| Core capital (leverage) ratio | 10.1273% | 3,338 |
| Tier 1 risk-based capital ratio | 19.9037% | 1,634 |
| Total risk-based capital ratio | 21.1544% | 1,596 |
| Memoranda: | ||
| Average total assets | $50,906,800 | 6,739 |
| Average earning assets | $46,727,200 | 6,725 |
| Average equity | $5,845,600 | 6,860 |
| Average total loans | $19,301,000 | 7,377 |