Home > The First National Bank of Ava > Performance and Condition Ratios
The First National Bank of Ava, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3422% | 3,370 |
| Cost of funding earning assets | 0.7458% | 3,859 |
| Net interest margin | 3.5964% | 1,976 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.6798% | 1,795 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.8037% | 2,863 |
| Return on assets (ROA) | 0.8037% | 2,837 |
| Pretax return on assets | 0.8591% | 3,071 |
| Return on Equity (ROE) | 8.9100% | 2,783 |
| Retained earnings to average equity (ytd only) | 1.3524% | 3,748 |
| Net charge-offs to loans | 0.4365% | 232 |
| Credit loss provision to net charge-offs | 21.4286% | 2,301 |
| Earnings coverage of net charge-offs (x) | 4.6429% | 2,575 |
| Efficiency ratio | 74.8452% | 1,364 |
| Assets per employee ($millions) | 4.2276% | 4,070 |
| Cash dividends to net income (ytd only)* | 84.8276% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2901% | 247 |
| Loan loss allowance to noncurrent loans | 238.8715% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.4439% | 1,251 |
| Noncurrent loans to loans | 0.9587% | 772 |
| Net loans and leases to total assets | 45.2400% | 3,850 |
| Net loans and leases to deposits | 50.2807% | 3,941 |
| Net loans and leases to core deposits | 51.0192% | 4,063 |
| Total domestic deposits to total assets | 89.9700% | 763 |
| Equity capital to assets | 9.8526% | 2,093 |
| Core capital (leverage) ratio | 13.3763% | 945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2160% | 526 |
| Memoranda: | ||
| Average total assets | $72,170,600 | 4,094 |
| Average earning assets | $68,652,400 | 4,050 |
| Average equity | $6,506,800 | 4,114 |
| Average total loans | $32,073,600 | 4,113 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1186% | 3,626 |
| Cost of funding earning assets | 0.6729% | 3,825 |
| Net interest margin | 3.4458% | 2,350 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.6169% | 1,890 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.7013% | 3,325 |
| Return on assets (ROA) | 0.7013% | 3,302 |
| Pretax return on assets | 0.7917% | 3,354 |
| Return on Equity (ROE) | 7.9600% | 3,196 |
| Retained earnings to average equity (ytd only) | -0.2305% | 4,176 |
| Net charge-offs to loans | 1.1036% | 85 |
| Credit loss provision to net charge-offs | 8.7452% | 2,038 |
| Earnings coverage of net charge-offs (x) | 1.7186% | 2,520 |
| Efficiency ratio | 75.8289% | 1,192 |
| Assets per employee ($millions) | 3.9749% | 4,180 |
| Cash dividends to net income (ytd only)* | 102.8947% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8629% | 511 |
| Loan loss allowance to noncurrent loans | 145.6221% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.6066% | 970 |
| Noncurrent loans to loans | 1.2793% | 595 |
| Net loans and leases to total assets | 46.5300% | 3,807 |
| Net loans and leases to deposits | 53.3055% | 3,820 |
| Net loans and leases to core deposits | 54.1077% | 3,924 |
| Total domestic deposits to total assets | 87.2900% | 1,807 |
| Equity capital to assets | 7.8981% | 3,120 |
| Core capital (leverage) ratio | 13.1725% | 1,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4003% | 598 |
| Memoranda: | ||
| Average total assets | $72,246,000 | 4,111 |
| Average earning assets | $68,759,250 | 4,069 |
| Average equity | $6,363,250 | 4,136 |
| Average total loans | $31,773,500 | 4,134 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0234% | 3,633 |
| Cost of funding earning assets | 0.5880% | 3,783 |
| Net interest margin | 3.4354% | 2,432 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.5277% | 2,122 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.7699% | 3,166 |
| Return on assets (ROA) | 0.7699% | 3,178 |
| Pretax return on assets | 0.8858% | 3,203 |
| Return on Equity (ROE) | 8.4500% | 3,124 |
| Retained earnings to average equity (ytd only) | -0.1515% | 4,122 |
| Net charge-offs to loans | -0.0258% | 4,194 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.1629% | 1,444 |
| Assets per employee ($millions) | 3.7756% | 4,263 |
| Cash dividends to net income (ytd only)* | 101.7921% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8372% | 151 |
| Loan loss allowance to noncurrent loans | 173.8791% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.7151% | 731 |
| Noncurrent loans to loans | 1.6317% | 395 |
| Net loans and leases to total assets | 42.5800% | 3,942 |
| Net loans and leases to deposits | 47.6426% | 3,998 |
| Net loans and leases to core deposits | 48.3331% | 4,056 |
| Total domestic deposits to total assets | 89.3800% | 1,115 |
| Equity capital to assets | 9.0665% | 2,473 |
| Core capital (leverage) ratio | 13.1264% | 988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4482% | 525 |
| Memoranda: | ||
| Average total assets | $72,478,333 | 4,123 |
| Average earning assets | $69,046,333 | 4,085 |
| Average equity | $6,600,667 | 4,118 |
| Average total loans | $31,056,333 | 4,155 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9212% | 3,631 |
| Cost of funding earning assets | 0.4887% | 3,734 |
| Net interest margin | 3.4325% | 2,552 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.3226% | 2,757 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.9389% | 2,723 |
| Return on assets (ROA) | 0.9389% | 2,676 |
| Pretax return on assets | 1.1256% | 2,642 |
| Return on Equity (ROE) | 10.2900% | 2,702 |
| Retained earnings to average equity (ytd only) | 3.5494% | 3,384 |
| Net charge-offs to loans | -0.0389% | 4,301 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.5094% | 2,154 |
| Assets per employee ($millions) | 4.3534% | 4,096 |
| Cash dividends to net income (ytd only)* | 65.4971% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9280% | 139 |
| Loan loss allowance to noncurrent loans | 158.5278% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.7526% | 643 |
| Noncurrent loans to loans | 1.8470% | 328 |
| Net loans and leases to total assets | 39.5600% | 4,057 |
| Net loans and leases to deposits | 44.9836% | 4,071 |
| Net loans and leases to core deposits | 45.4777% | 4,131 |
| Total domestic deposits to total assets | 87.9300% | 1,952 |
| Equity capital to assets | 9.2409% | 2,326 |
| Core capital (leverage) ratio | 12.8712% | 1,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6669% | 520 |
| Memoranda: | ||
| Average total assets | $72,849,000 | 4,175 |
| Average earning assets | $69,570,000 | 4,136 |
| Average equity | $6,649,000 | 4,166 |
| Average total loans | $30,865,000 | 4,211 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6445% | 2,671 |
| Cost of funding earning assets | 0.2911% | 2,954 |
| Net interest margin | 3.3534% | 2,413 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.4293% | 2,340 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.7855% | 3,376 |
| Return on assets (ROA) | 0.7947% | 3,278 |
| Pretax return on assets | 0.9225% | 3,291 |
| Return on Equity (ROE) | 8.0500% | 3,379 |
| Retained earnings to average equity (ytd only) | -0.5124% | 4,400 |
| Net charge-offs to loans | 0.0260% | 1,541 |
| Credit loss provision to net charge-offs | 375.0000% | 801 |
| Earnings coverage of net charge-offs (x) | 89.3750% | 1,027 |
| Efficiency ratio | 71.8504% | 1,462 |
| Assets per employee ($millions) | 4.2171% | 4,192 |
| Cash dividends to net income (ytd only)* | 106.3652% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7619% | 159 |
| Loan loss allowance to noncurrent loans | 771.6814% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 2,428 |
| Noncurrent loans to loans | 0.3579% | 1,863 |
| Net loans and leases to total assets | 42.8200% | 3,938 |
| Net loans and leases to deposits | 48.7093% | 3,947 |
| Net loans and leases to core deposits | 48.7093% | 4,029 |
| Total domestic deposits to total assets | 87.9200% | 2,094 |
| Equity capital to assets | 9.0096% | 2,351 |
| Core capital (leverage) ratio | 13.1398% | 903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1293% | 539 |
| Memoranda: | ||
| Average total assets | $75,123,600 | 4,185 |
| Average earning assets | $71,449,600 | 4,139 |
| Average equity | $7,416,400 | 4,160 |
| Average total loans | $30,803,200 | 4,228 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5723% | 2,413 |
| Cost of funding earning assets | 0.2546% | 2,658 |
| Net interest margin | 3.3177% | 2,247 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 2.3303% | 2,540 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.8391% | 3,099 |
| Return on assets (ROA) | 0.8511% | 3,037 |
| Pretax return on assets | 1.0020% | 3,005 |
| Return on Equity (ROE) | 8.4500% | 3,186 |
| Retained earnings to average equity (ytd only) | 0.3483% | 4,289 |
| Net charge-offs to loans | -0.1176% | 4,530 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.3835% | 1,838 |
| Assets per employee ($millions) | 4.5376% | 4,024 |
| Cash dividends to net income (ytd only)* | 95.8763% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8524% | 150 |
| Loan loss allowance to noncurrent loans | 596.0265% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 2,219 |
| Noncurrent loans to loans | 0.4786% | 1,601 |
| Net loans and leases to total assets | 42.2200% | 3,975 |
| Net loans and leases to deposits | 47.6473% | 3,966 |
| Net loans and leases to core deposits | 47.9117% | 4,036 |
| Total domestic deposits to total assets | 88.6100% | 2,242 |
| Equity capital to assets | 8.1458% | 2,798 |
| Core capital (leverage) ratio | 12.6903% | 994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1052% | 553 |
| Memoranda: | ||
| Average total assets | $75,982,000 | 4,199 |
| Average earning assets | $72,258,000 | 4,159 |
| Average equity | $7,655,750 | 4,178 |
| Average total loans | $30,610,750 | 4,258 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4741% | 2,210 |
| Cost of funding earning assets | 0.2400% | 2,397 |
| Net interest margin | 3.2341% | 2,093 |
| Noninterest income to average assets | 0.1945% | 4,027 |
| Noninterest expense to average assets | 2.2929% | 2,571 |
| Loan and lease loss provision to assets | 0.0389% | 1,889 |
| Net operating income to assets | 0.7994% | 2,961 |
| Return on assets (ROA) | 0.8170% | 2,865 |
| Pretax return on assets | 0.9597% | 2,870 |
| Return on Equity (ROE) | 7.6490% | 3,117 |
| Retained earnings to average equity (ytd only) | -0.6071% | 4,254 |
| Net charge-offs to loans | -0.0924% | 4,417 |
| Credit loss provision to net charge-offs | -107.1429% | 3,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1031% | 1,944 |
| Assets per employee ($millions) | 4.4113% | 4,146 |
| Cash dividends to net income (ytd only)* | 107.9365% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8773% | 162 |
| Loan loss allowance to noncurrent loans | 1,034.1176% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.2000% | 2,328 |
| Noncurrent loans to loans | 0.2782% | 2,355 |
| Net loans and leases to total assets | 39.5642% | 4,091 |
| Net loans and leases to deposits | 44.7707% | 4,079 |
| Net loans and leases to core deposits | 45.0118% | 4,154 |
| Total domestic deposits to total assets | 88.3708% | 2,434 |
| Equity capital to assets | 8.8876% | 2,463 |
| Core capital (leverage) ratio | 12.3444% | 1,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3594% | 514 |
| Memoranda: | ||
| Average total assets | $77,108,667 | 4,235 |
| Average earning assets | $73,342,667 | 4,204 |
| Average equity | $8,236,333 | 4,177 |
| Average total loans | $30,297,000 | 4,308 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4335% | 1,993 |
| Cost of funding earning assets | 0.2410% | 2,259 |
| Net interest margin | 3.1925% | 1,907 |
| Noninterest income to average assets | 0.2047% | 3,933 |
| Noninterest expense to average assets | 2.0776% | 3,228 |
| Loan and lease loss provision to assets | 0.0358% | 1,713 |
| Net operating income to assets | 0.9387% | 2,115 |
| Return on assets (ROA) | 0.9723% | 1,989 |
| Pretax return on assets | 1.1821% | 1,871 |
| Return on Equity (ROE) | 8.4239% | 2,543 |
| Retained earnings to average equity (ytd only) | 1.7734% | 3,607 |
| Net charge-offs to loans | -0.2121% | 4,613 |
| Credit loss provision to net charge-offs | -43.7500% | 2,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8365% | 3,046 |
| Assets per employee ($millions) | 5.1721% | 3,606 |
| Cash dividends to net income (ytd only)* | 78.9474% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9821% | 160 |
| Loan loss allowance to noncurrent loans | 808.3333% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.1392% | 2,816 |
| Noncurrent loans to loans | 0.3689% | 2,165 |
| Net loans and leases to total assets | 36.6095% | 4,174 |
| Net loans and leases to deposits | 43.5460% | 4,087 |
| Net loans and leases to core deposits | 43.8939% | 4,165 |
| Total domestic deposits to total assets | 84.0708% | 3,752 |
| Equity capital to assets | 10.5735% | 1,562 |
| Core capital (leverage) ratio | 11.7601% | 1,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2080% | 480 |
| Memoranda: | ||
| Average total assets | $78,167,000 | 4,241 |
| Average earning assets | $74,675,000 | 4,207 |
| Average equity | $9,022,000 | 4,158 |
| Average total loans | $30,171,000 | 4,323 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8704% | 1,698 |
| Cost of funding earning assets | 0.3194% | 2,203 |
| Net interest margin | 3.5510% | 1,599 |
| Noninterest income to average assets | 0.2212% | 4,045 |
| Noninterest expense to average assets | 2.2803% | 2,852 |
| Loan and lease loss provision to assets | 0.0758% | 1,601 |
| Net operating income to assets | 1.0277% | 2,570 |
| Return on assets (ROA) | 1.0277% | 2,637 |
| Pretax return on assets | 1.2375% | 2,558 |
| Return on Equity (ROE) | 8.3475% | 3,120 |
| Retained earnings to average equity (ytd only) | 7.3208% | 1,799 |
| Net charge-offs to loans | -0.1664% | 4,679 |
| Credit loss provision to net charge-offs | -115.3846% | 3,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4541% | 2,647 |
| Assets per employee ($millions) | 4.9221% | 3,806 |
| Cash dividends to net income (ytd only)* | 12.3001% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7360% | 201 |
| Loan loss allowance to noncurrent loans | 278.6885% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.3873% | 1,678 |
| Noncurrent loans to loans | 0.9817% | 1,013 |
| Net loans and leases to total assets | 38.3693% | 4,169 |
| Net loans and leases to deposits | 47.5289% | 4,020 |
| Net loans and leases to core deposits | 47.9171% | 4,097 |
| Total domestic deposits to total assets | 80.7284% | 4,140 |
| Equity capital to assets | 12.4960% | 1,064 |
| Core capital (leverage) ratio | 11.6455% | 1,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0137% | 491 |
| Memoranda: | ||
| Average total assets | $79,111,200 | 4,230 |
| Average earning assets | $75,133,600 | 4,196 |
| Average equity | $9,739,400 | 4,161 |
| Average total loans | $31,257,600 | 4,359 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9414% | 1,664 |
| Cost of funding earning assets | 0.3428% | 2,184 |
| Net interest margin | 3.5986% | 1,601 |
| Noninterest income to average assets | 0.2323% | 4,008 |
| Noninterest expense to average assets | 2.1851% | 3,115 |
| Loan and lease loss provision to assets | 0.0758% | 1,535 |
| Net operating income to assets | 1.1161% | 2,495 |
| Return on assets (ROA) | 1.1161% | 2,547 |
| Pretax return on assets | 1.3821% | 2,397 |
| Return on Equity (ROE) | 9.1000% | 3,080 |
| Retained earnings to average equity (ytd only) | 9.1000% | 1,660 |
| Net charge-offs to loans | -0.1150% | 4,661 |
| Credit loss provision to net charge-offs | -166.6667% | 3,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9815% | 2,982 |
| Assets per employee ($millions) | 4.9765% | 3,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6080% | 242 |
| Loan loss allowance to noncurrent loans | 249.6914% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.4885% | 1,561 |
| Noncurrent loans to loans | 1.0445% | 1,085 |
| Net loans and leases to total assets | 37.9421% | 4,304 |
| Net loans and leases to deposits | 47.1450% | 4,161 |
| Net loans and leases to core deposits | 47.5247% | 4,259 |
| Total domestic deposits to total assets | 80.4795% | 4,168 |
| Equity capital to assets | 12.6256% | 1,121 |
| Core capital (leverage) ratio | 11.4793% | 1,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8272% | 545 |
| Memoranda: | ||
| Average total assets | $79,200,750 | 4,281 |
| Average earning assets | $75,064,500 | 4,248 |
| Average equity | $9,714,000 | 4,221 |
| Average total loans | $31,305,250 | 4,417 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9290% | 1,747 |
| Cost of funding earning assets | 0.3742% | 2,093 |
| Net interest margin | 3.5548% | 1,695 |
| Noninterest income to average assets | 0.2327% | 4,009 |
| Noninterest expense to average assets | 2.1983% | 3,096 |
| Loan and lease loss provision to assets | 0.0759% | 1,568 |
| Net operating income to assets | 1.0726% | 2,637 |
| Return on assets (ROA) | 1.0726% | 2,714 |
| Pretax return on assets | 1.3231% | 2,570 |
| Return on Equity (ROE) | 8.8324% | 3,157 |
| Retained earnings to average equity (ytd only) | 8.8324% | 1,765 |
| Net charge-offs to loans | -0.1146% | 4,666 |
| Credit loss provision to net charge-offs | -166.6667% | 3,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1111% | 2,854 |
| Assets per employee ($millions) | 5.0696% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5683% | 255 |
| Loan loss allowance to noncurrent loans | 88.5135% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.1256% | 634 |
| Noncurrent loans to loans | 2.9016% | 255 |
| Net loans and leases to total assets | 36.7606% | 4,434 |
| Net loans and leases to deposits | 45.2968% | 4,336 |
| Net loans and leases to core deposits | 45.6498% | 4,403 |
| Total domestic deposits to total assets | 81.1549% | 4,071 |
| Equity capital to assets | 12.0053% | 1,358 |
| Core capital (leverage) ratio | 11.0939% | 1,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7476% | 559 |
| Memoranda: | ||
| Average total assets | $79,059,667 | 4,310 |
| Average earning assets | $74,828,667 | 4,278 |
| Average equity | $9,601,000 | 4,249 |
| Average total loans | $31,400,333 | 4,445 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6901% | 2,383 |
| Cost of funding earning assets | 0.4209% | 1,933 |
| Net interest margin | 3.2691% | 2,483 |
| Noninterest income to average assets | 0.2717% | 3,775 |
| Noninterest expense to average assets | 1.9889% | 3,754 |
| Loan and lease loss provision to assets | 0.0769% | 1,654 |
| Net operating income to assets | 1.0406% | 2,668 |
| Return on assets (ROA) | 1.0406% | 2,752 |
| Pretax return on assets | 1.2713% | 2,652 |
| Return on Equity (ROE) | 8.5182% | 3,181 |
| Retained earnings to average equity (ytd only) | 8.5182% | 2,093 |
| Net charge-offs to loans | -0.3271% | 4,857 |
| Credit loss provision to net charge-offs | -57.6923% | 2,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6006% | 3,075 |
| Assets per employee ($millions) | 4.9639% | 3,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4958% | 263 |
| Loan loss allowance to noncurrent loans | 69.6157% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.4089% | 474 |
| Noncurrent loans to loans | 3.5852% | 176 |
| Net loans and leases to total assets | 38.3176% | 4,411 |
| Net loans and leases to deposits | 46.5144% | 4,324 |
| Net loans and leases to core deposits | 46.8770% | 4,412 |
| Total domestic deposits to total assets | 82.3779% | 3,817 |
| Equity capital to assets | 11.9386% | 1,317 |
| Core capital (leverage) ratio | 11.1626% | 1,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7275% | 536 |
| Memoranda: | ||
| Average total assets | $78,032,500 | 4,336 |
| Average earning assets | $73,169,000 | 4,311 |
| Average equity | $9,532,500 | 4,268 |
| Average total loans | $31,798,500 | 4,456 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1921% | 2,161 |
| Cost of funding earning assets | 0.5600% | 2,560 |
| Net interest margin | 3.6321% | 2,037 |
| Noninterest income to average assets | 0.2685% | 3,871 |
| Noninterest expense to average assets | 2.4578% | 2,965 |
| Loan and lease loss provision to assets | 0.1272% | 2,771 |
| Net operating income to assets | 0.9568% | 2,449 |
| Return on assets (ROA) | 0.9964% | 2,444 |
| Pretax return on assets | 1.1674% | 2,450 |
| Return on Equity (ROE) | 7.7438% | 2,908 |
| Retained earnings to average equity (ytd only) | 2.2188% | 3,740 |
| Net charge-offs to loans | -0.1540% | 4,869 |
| Credit loss provision to net charge-offs | -173.0769% | 3,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3234% | 2,481 |
| Assets per employee ($millions) | 4.2579% | 4,167 |
| Cash dividends to net income (ytd only)* | 71.3475% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2788% | 364 |
| Loan loss allowance to noncurrent loans | 78.8462% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.2213% | 702 |
| Noncurrent loans to loans | 2.8902% | 311 |
| Net loans and leases to total assets | 41.2920% | 4,388 |
| Net loans and leases to deposits | 50.5972% | 4,286 |
| Net loans and leases to core deposits | 51.4309% | 4,373 |
| Total domestic deposits to total assets | 81.6093% | 3,742 |
| Equity capital to assets | 12.5036% | 1,322 |
| Core capital (leverage) ratio | 11.5092% | 1,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2614% | 643 |
| Memoranda: | ||
| Average total assets | $70,754,200 | 4,374 |
| Average earning assets | $66,958,800 | 4,338 |
| Average equity | $9,104,000 | 4,303 |
| Average total loans | $33,759,200 | 4,439 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2665% | 2,197 |
| Cost of funding earning assets | 0.5850% | 2,711 |
| Net interest margin | 3.6815% | 2,009 |
| Noninterest income to average assets | 0.2983% | 3,698 |
| Noninterest expense to average assets | 2.4999% | 2,851 |
| Loan and lease loss provision to assets | 0.1313% | 2,709 |
| Net operating income to assets | 0.9826% | 2,398 |
| Return on assets (ROA) | 1.0354% | 2,331 |
| Pretax return on assets | 1.2432% | 2,254 |
| Return on Equity (ROE) | 7.9841% | 2,814 |
| Retained earnings to average equity (ytd only) | 3.2352% | 3,423 |
| Net charge-offs to loans | 0.0977% | 1,330 |
| Credit loss provision to net charge-offs | 272.0000% | 1,848 |
| Earnings coverage of net charge-offs (x) | 27.2400% | 1,674 |
| Efficiency ratio | 65.6061% | 2,518 |
| Assets per employee ($millions) | 4.0479% | 4,282 |
| Cash dividends to net income (ytd only)* | 59.4796% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8586% | 637 |
| Loan loss allowance to noncurrent loans | 71.6368% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 1.2242% | 805 |
| Noncurrent loans to loans | 2.5945% | 396 |
| Net loans and leases to total assets | 46.3081% | 4,300 |
| Net loans and leases to deposits | 57.3924% | 4,191 |
| Net loans and leases to core deposits | 58.3936% | 4,283 |
| Total domestic deposits to total assets | 80.6868% | 3,726 |
| Equity capital to assets | 13.0795% | 1,146 |
| Core capital (leverage) ratio | 11.5575% | 1,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7227% | 707 |
| Memoranda: | ||
| Average total assets | $69,282,250 | 4,407 |
| Average earning assets | $66,094,000 | 4,363 |
| Average equity | $8,984,250 | 4,323 |
| Average total loans | $34,102,750 | 4,463 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3673% | 2,289 |
| Cost of funding earning assets | 0.6028% | 2,949 |
| Net interest margin | 3.7645% | 1,940 |
| Noninterest income to average assets | 0.2585% | 3,927 |
| Noninterest expense to average assets | 2.5702% | 2,768 |
| Loan and lease loss provision to assets | 0.1322% | 2,695 |
| Net operating income to assets | 0.9594% | 2,463 |
| Return on assets (ROA) | 1.0398% | 2,320 |
| Pretax return on assets | 1.2484% | 2,189 |
| Return on Equity (ROE) | 8.0433% | 2,728 |
| Retained earnings to average equity (ytd only) | 0.7725% | 4,143 |
| Net charge-offs to loans | 0.3470% | 465 |
| Credit loss provision to net charge-offs | 76.2712% | 2,519 |
| Earnings coverage of net charge-offs (x) | 7.4068% | 2,366 |
| Efficiency ratio | 66.6921% | 2,418 |
| Assets per employee ($millions) | 4.3103% | 3,988 |
| Cash dividends to net income (ytd only)* | 90.3955% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6563% | 896 |
| Loan loss allowance to noncurrent loans | 64.4518% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.2419% | 861 |
| Noncurrent loans to loans | 2.5699% | 442 |
| Net loans and leases to total assets | 47.1593% | 4,303 |
| Net loans and leases to deposits | 58.1594% | 4,210 |
| Net loans and leases to core deposits | 58.6580% | 4,321 |
| Total domestic deposits to total assets | 81.0863% | 3,583 |
| Equity capital to assets | 12.7137% | 1,277 |
| Core capital (leverage) ratio | 11.9159% | 1,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4498% | 722 |
| Memoranda: | ||
| Average total assets | $68,089,000 | 4,432 |
| Average earning assets | $65,028,000 | 4,390 |
| Average equity | $8,802,333 | 4,362 |
| Average total loans | $34,010,333 | 4,479 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4943% | 2,325 |
| Cost of funding earning assets | 0.6311% | 3,266 |
| Net interest margin | 3.8632% | 1,784 |
| Noninterest income to average assets | 0.2870% | 3,804 |
| Noninterest expense to average assets | 2.7238% | 2,645 |
| Loan and lease loss provision to assets | 0.1344% | 2,050 |
| Net operating income to assets | 0.9371% | 2,389 |
| Return on assets (ROA) | 1.0993% | 1,946 |
| Pretax return on assets | 1.3253% | 1,797 |
| Return on Equity (ROE) | 8.4255% | 2,338 |
| Retained earnings to average equity (ytd only) | 0.4681% | 3,888 |
| Net charge-offs to loans | -0.0837% | 4,783 |
| Credit loss provision to net charge-offs | -314.2857% | 3,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3002% | 2,615 |
| Assets per employee ($millions) | 3.8667% | 4,089 |
| Cash dividends to net income (ytd only)* | 94.4444% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8750% | 637 |
| Loan loss allowance to noncurrent loans | 71.1035% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.3372% | 860 |
| Noncurrent loans to loans | 2.6370% | 438 |
| Net loans and leases to total assets | 49.7581% | 4,253 |
| Net loans and leases to deposits | 56.9568% | 4,325 |
| Net loans and leases to core deposits | 57.4591% | 4,449 |
| Total domestic deposits to total assets | 87.3612% | 1,397 |
| Equity capital to assets | 12.4517% | 1,763 |
| Core capital (leverage) ratio | 12.5630% | 1,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3771% | 711 |
| Memoranda: | ||
| Average total assets | $65,496,000 | 4,476 |
| Average earning assets | $62,746,000 | 4,437 |
| Average equity | $8,545,500 | 4,421 |
| Average total loans | $33,446,500 | 4,521 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8835% | 1,803 |
| Cost of funding earning assets | 0.5463% | 3,895 |
| Net interest margin | 4.3372% | 1,010 |
| Noninterest income to average assets | 0.3353% | 3,703 |
| Noninterest expense to average assets | 2.8619% | 2,403 |
| Loan and lease loss provision to assets | 0.1417% | 1,506 |
| Net operating income to assets | 1.2373% | 1,916 |
| Return on assets (ROA) | 1.2373% | 2,002 |
| Pretax return on assets | 1.4813% | 1,865 |
| Return on Equity (ROE) | 9.0020% | 2,757 |
| Retained earnings to average equity (ytd only) | -0.0115% | 4,700 |
| Net charge-offs to loans | 0.1003% | 1,726 |
| Credit loss provision to net charge-offs | 264.7059% | 1,048 |
| Earnings coverage of net charge-offs (x) | 30.3235% | 1,572 |
| Efficiency ratio | 63.8119% | 3,095 |
| Assets per employee ($millions) | 3.4346% | 4,536 |
| Cash dividends to net income (ytd only)* | 100.1272% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7759% | 688 |
| Loan loss allowance to noncurrent loans | 86.1272% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 1.0619% | 1,168 |
| Noncurrent loans to loans | 2.0620% | 614 |
| Net loans and leases to total assets | 50.5133% | 4,307 |
| Net loans and leases to deposits | 58.8990% | 4,336 |
| Net loans and leases to core deposits | 59.1973% | 4,475 |
| Total domestic deposits to total assets | 85.7627% | 2,155 |
| Equity capital to assets | 13.6474% | 1,226 |
| Core capital (leverage) ratio | 12.7716% | 1,345 |
| Tier 1 risk-based capital ratio | 20.4082% | 1,262 |
| Total risk-based capital ratio | 21.6603% | 1,233 |
| Memoranda: | ||
| Average total assets | $63,524,000 | 4,535 |
| Average earning assets | $60,776,200 | 4,494 |
| Average equity | $8,731,400 | 4,417 |
| Average total loans | $33,913,000 | 4,559 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9192% | 1,763 |
| Cost of funding earning assets | 0.5328% | 4,005 |
| Net interest margin | 4.3864% | 978 |
| Noninterest income to average assets | 0.3466% | 3,652 |
| Noninterest expense to average assets | 2.7980% | 2,563 |
| Loan and lease loss provision to assets | 0.1437% | 1,336 |
| Net operating income to assets | 1.2955% | 1,875 |
| Return on assets (ROA) | 1.2955% | 1,962 |
| Pretax return on assets | 1.5977% | 1,644 |
| Return on Equity (ROE) | 9.4076% | 2,711 |
| Retained earnings to average equity (ytd only) | 0.2455% | 4,716 |
| Net charge-offs to loans | 0.1294% | 1,232 |
| Credit loss provision to net charge-offs | 206.0606% | 1,278 |
| Earnings coverage of net charge-offs (x) | 24.9691% | 1,779 |
| Efficiency ratio | 61.6387% | 3,380 |
| Assets per employee ($millions) | 3.5320% | 4,467 |
| Cash dividends to net income (ytd only)* | 97.3902% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7015% | 817 |
| Loan loss allowance to noncurrent loans | 77.0777% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.3181% | 909 |
| Noncurrent loans to loans | 2.2076% | 577 |
| Net loans and leases to total assets | 52.2493% | 4,303 |
| Net loans and leases to deposits | 61.2528% | 4,329 |
| Net loans and leases to core deposits | 61.5707% | 4,475 |
| Total domestic deposits to total assets | 85.3011% | 2,292 |
| Equity capital to assets | 14.0698% | 1,125 |
| Core capital (leverage) ratio | 13.1672% | 1,274 |
| Tier 1 risk-based capital ratio | 20.8925% | 1,205 |
| Total risk-based capital ratio | 22.1445% | 1,182 |
| Memoranda: | ||
| Average total assets | $63,090,500 | 4,596 |
| Average earning assets | $60,305,750 | 4,565 |
| Average equity | $8,687,750 | 4,466 |
| Average total loans | $34,001,250 | 4,618 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9261% | 1,679 |
| Cost of funding earning assets | 0.5222% | 4,023 |
| Net interest margin | 4.4039% | 937 |
| Noninterest income to average assets | 0.3369% | 3,680 |
| Noninterest expense to average assets | 2.7364% | 2,797 |
| Loan and lease loss provision to assets | 0.1430% | 1,299 |
| Net operating income to assets | 1.3412% | 1,613 |
| Return on assets (ROA) | 1.3412% | 1,677 |
| Pretax return on assets | 1.6654% | 1,350 |
| Return on Equity (ROE) | 9.8117% | 2,477 |
| Retained earnings to average equity (ytd only) | 0.8138% | 4,485 |
| Net charge-offs to loans | 0.2700% | 625 |
| Credit loss provision to net charge-offs | 97.8261% | 2,033 |
| Earnings coverage of net charge-offs (x) | 12.3696% | 2,158 |
| Efficiency ratio | 60.2098% | 3,695 |
| Assets per employee ($millions) | 3.5276% | 4,468 |
| Cash dividends to net income (ytd only)* | 91.7062% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6157% | 999 |
| Loan loss allowance to noncurrent loans | 77.3314% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 1.2426% | 1,052 |
| Noncurrent loans to loans | 2.0893% | 663 |
| Net loans and leases to total assets | 51.6914% | 4,370 |
| Net loans and leases to deposits | 60.5337% | 4,406 |
| Net loans and leases to core deposits | 60.8468% | 4,547 |
| Total domestic deposits to total assets | 85.3928% | 2,309 |
| Equity capital to assets | 13.9946% | 1,123 |
| Core capital (leverage) ratio | 13.6649% | 1,061 |
| Tier 1 risk-based capital ratio | 21.3969% | 1,132 |
| Total risk-based capital ratio | 22.6484% | 1,109 |
| Memoranda: | ||
| Average total assets | $62,928,670 | 4,638 |
| Average earning assets | $60,128,670 | 4,604 |
| Average equity | $8,602,000 | 4,497 |
| Average total loans | $34,070,670 | 4,653 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9431% | 1,491 |
| Cost of funding earning assets | 0.5291% | 3,923 |
| Net interest margin | 4.4140% | 869 |
| Noninterest income to average assets | 0.3576% | 3,461 |
| Noninterest expense to average assets | 2.7712% | 2,674 |
| Loan and lease loss provision to assets | 0.1405% | 1,219 |
| Net operating income to assets | 1.3345% | 1,582 |
| Return on assets (ROA) | 1.3345% | 1,618 |
| Pretax return on assets | 1.6538% | 1,332 |
| Return on Equity (ROE) | 9.8818% | 2,416 |
| Retained earnings to average equity (ytd only) | 1.4657% | 4,207 |
| Net charge-offs to loans | 0.3486% | 446 |
| Credit loss provision to net charge-offs | 73.3333% | 1,828 |
| Earnings coverage of net charge-offs (x) | 9.3667% | 2,035 |
| Efficiency ratio | 60.6993% | 3,719 |
| Assets per employee ($millions) | 3.7073% | 4,335 |
| Cash dividends to net income (ytd only)* | 85.1675% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5930% | 1,075 |
| Loan loss allowance to noncurrent loans | 60.2492% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.4011% | 894 |
| Noncurrent loans to loans | 2.6440% | 478 |
| Net loans and leases to total assets | 52.1468% | 4,326 |
| Net loans and leases to deposits | 60.6612% | 4,376 |
| Net loans and leases to core deposits | 60.9740% | 4,533 |
| Total domestic deposits to total assets | 85.9641% | 2,297 |
| Equity capital to assets | 13.6202% | 1,168 |
| Core capital (leverage) ratio | 13.4568% | 1,100 |
| Tier 1 risk-based capital ratio | 21.3732% | 1,119 |
| Total risk-based capital ratio | 22.6239% | 1,102 |
| Memoranda: | ||
| Average total assets | $62,645,000 | 4,693 |
| Average earning assets | $59,719,500 | 4,655 |
| Average equity | $8,460,000 | 4,546 |
| Average total loans | $34,425,500 | 4,692 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0325% | 978 |
| Cost of funding earning assets | 0.5393% | 3,116 |
| Net interest margin | 4.4932% | 770 |
| Noninterest income to average assets | 0.2877% | 4,180 |
| Noninterest expense to average assets | 2.9137% | 2,307 |
| Loan and lease loss provision to assets | 0.1438% | 1,494 |
| Net operating income to assets | 1.2535% | 1,966 |
| Return on assets (ROA) | 1.2307% | 2,037 |
| Pretax return on assets | 1.4640% | 1,895 |
| Return on Equity (ROE) | 9.2319% | 2,869 |
| Retained earnings to average equity (ytd only) | -0.1679% | 5,008 |
| Net charge-offs to loans | 0.1287% | 1,465 |
| Credit loss provision to net charge-offs | 200.0000% | 1,432 |
| Earnings coverage of net charge-offs (x) | 22.7333% | 1,887 |
| Efficiency ratio | 64.0548% | 3,187 |
| Assets per employee ($millions) | 3.6627% | 4,376 |
| Cash dividends to net income (ytd only)* | 101.8182% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5231% | 1,218 |
| Loan loss allowance to noncurrent loans | 59.3407% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 1.4615% | 808 |
| Noncurrent loans to loans | 2.5667% | 464 |
| Net loans and leases to total assets | 56.0723% | 4,128 |
| Net loans and leases to deposits | 65.2501% | 4,172 |
| Net loans and leases to core deposits | 65.5884% | 4,380 |
| Total domestic deposits to total assets | 85.9345% | 2,263 |
| Equity capital to assets | 13.3877% | 1,186 |
| Core capital (leverage) ratio | 13.4713% | 1,087 |
| Tier 1 risk-based capital ratio | 20.6701% | 1,198 |
| Total risk-based capital ratio | 21.9208% | 1,173 |
| Memoranda: | ||
| Average total assets | $62,567,200 | 4,709 |
| Average earning assets | $59,334,200 | 4,677 |
| Average equity | $8,340,600 | 4,548 |
| Average total loans | $34,958,000 | 4,685 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0046% | 937 |
| Cost of funding earning assets | 0.5256% | 3,023 |
| Net interest margin | 4.4790% | 773 |
| Noninterest income to average assets | 0.2937% | 4,185 |
| Noninterest expense to average assets | 2.8287% | 2,534 |
| Loan and lease loss provision to assets | 0.1426% | 1,396 |
| Net operating income to assets | 1.2876% | 1,906 |
| Return on assets (ROA) | 1.2579% | 2,016 |
| Pretax return on assets | 1.5303% | 1,804 |
| Return on Equity (ROE) | 9.4462% | 2,877 |
| Retained earnings to average equity (ytd only) | 0.0800% | 5,023 |
| Net charge-offs to loans | 0.2028% | 837 |
| Credit loss provision to net charge-offs | 126.4151% | 1,932 |
| Earnings coverage of net charge-offs (x) | 15.1520% | 2,245 |
| Efficiency ratio | 62.3358% | 3,454 |
| Assets per employee ($millions) | 3.2724% | 4,804 |
| Cash dividends to net income (ytd only)* | 99.1535% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 1,460 |
| Loan loss allowance to noncurrent loans | 54.6137% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 1.4990% | 853 |
| Noncurrent loans to loans | 2.6874% | 457 |
| Net loans and leases to total assets | 54.9594% | 4,296 |
| Net loans and leases to deposits | 65.3878% | 4,246 |
| Net loans and leases to core deposits | 65.7337% | 4,418 |
| Total domestic deposits to total assets | 84.0515% | 2,924 |
| Equity capital to assets | 13.1484% | 1,273 |
| Core capital (leverage) ratio | 13.4345% | 1,127 |
| Tier 1 risk-based capital ratio | 20.8669% | 1,202 |
| Total risk-based capital ratio | 22.1169% | 1,178 |
| Memoranda: | ||
| Average total assets | $62,642,500 | 4,755 |
| Average earning assets | $59,357,000 | 4,727 |
| Average equity | $8,341,750 | 4,598 |
| Average total loans | $34,834,000 | 4,740 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9879% | 848 |
| Cost of funding earning assets | 0.5167% | 2,883 |
| Net interest margin | 4.4712% | 733 |
| Noninterest income to average assets | 0.3026% | 4,154 |
| Noninterest expense to average assets | 2.7931% | 2,677 |
| Loan and lease loss provision to assets | 0.1433% | 1,349 |
| Net operating income to assets | 1.2992% | 1,776 |
| Return on assets (ROA) | 1.2548% | 1,960 |
| Pretax return on assets | 1.5287% | 1,714 |
| Return on Equity (ROE) | 9.3839% | 2,860 |
| Retained earnings to average equity (ytd only) | 0.5478% | 4,851 |
| Net charge-offs to loans | 0.3612% | 436 |
| Credit loss provision to net charge-offs | 71.4286% | 2,331 |
| Earnings coverage of net charge-offs (x) | 8.6032% | 2,456 |
| Efficiency ratio | 61.8041% | 3,649 |
| Assets per employee ($millions) | 3.2962% | 4,822 |
| Cash dividends to net income (ytd only)* | 94.1624% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3899% | 1,786 |
| Loan loss allowance to noncurrent loans | 38.8753% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 2.0375% | 523 |
| Noncurrent loans to loans | 3.5752% | 270 |
| Net loans and leases to total assets | 54.0390% | 4,334 |
| Net loans and leases to deposits | 62.4721% | 4,389 |
| Net loans and leases to core deposits | 62.7897% | 4,569 |
| Total domestic deposits to total assets | 86.5010% | 2,052 |
| Equity capital to assets | 13.2962% | 1,184 |
| Core capital (leverage) ratio | 13.5700% | 1,047 |
| Tier 1 risk-based capital ratio | 20.9358% | 1,189 |
| Total risk-based capital ratio | 22.1773% | 1,162 |
| Memoranda: | ||
| Average total assets | $62,798,330 | 4,808 |
| Average earning assets | $59,223,670 | 4,787 |
| Average equity | $8,397,330 | 4,633 |
| Average total loans | $34,885,330 | 4,785 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8848% | 901 |
| Cost of funding earning assets | 0.5128% | 2,702 |
| Net interest margin | 4.3720% | 812 |
| Noninterest income to average assets | 0.3371% | 3,904 |
| Noninterest expense to average assets | 2.9197% | 2,289 |
| Loan and lease loss provision to assets | 0.1463% | 1,268 |
| Net operating income to assets | 1.1586% | 2,180 |
| Return on assets (ROA) | 1.1322% | 2,296 |
| Pretax return on assets | 1.3612% | 2,143 |
| Return on Equity (ROE) | 8.4435% | 3,170 |
| Retained earnings to average equity (ytd only) | -0.6641% | 4,877 |
| Net charge-offs to loans | 0.5573% | 269 |
| Credit loss provision to net charge-offs | 46.9388% | 1,972 |
| Earnings coverage of net charge-offs (x) | 4.9388% | 2,267 |
| Efficiency ratio | 65.4779% | 3,252 |
| Assets per employee ($millions) | 3.2786% | 4,921 |
| Cash dividends to net income (ytd only)* | 107.8652% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3957% | 1,858 |
| Loan loss allowance to noncurrent loans | 34.2466% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 2.2266% | 464 |
| Noncurrent loans to loans | 4.0756% | 243 |
| Net loans and leases to total assets | 53.8696% | 4,296 |
| Net loans and leases to deposits | 62.4130% | 4,310 |
| Net loans and leases to core deposits | 63.0380% | 4,487 |
| Total domestic deposits to total assets | 86.3115% | 2,398 |
| Equity capital to assets | 13.3466% | 1,093 |
| Core capital (leverage) ratio | 13.2679% | 1,085 |
| Tier 1 risk-based capital ratio | 20.9418% | 1,211 |
| Total risk-based capital ratio | 22.1694% | 1,186 |
| Memoranda: | ||
| Average total assets | $62,884,000 | 4,871 |
| Average earning assets | $59,286,000 | 4,843 |
| Average equity | $8,432,500 | 4,678 |
| Average total loans | $35,168,000 | 4,826 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9332% | 742 |
| Cost of funding earning assets | 0.4998% | 2,335 |
| Net interest margin | 4.4334% | 706 |
| Noninterest income to average assets | 0.3314% | 4,102 |
| Noninterest expense to average assets | 2.8546% | 2,597 |
| Loan and lease loss provision to assets | 0.1407% | 1,621 |
| Net operating income to assets | 1.2150% | 1,469 |
| Return on assets (ROA) | 1.2725% | 1,319 |
| Pretax return on assets | 1.5961% | 1,300 |
| Return on Equity (ROE) | 9.3939% | 2,142 |
| Retained earnings to average equity (ytd only) | 0.3693% | 4,879 |
| Net charge-offs to loans | 0.1639% | 1,496 |
| Credit loss provision to net charge-offs | 147.5410% | 1,807 |
| Earnings coverage of net charge-offs (x) | 17.4590% | 2,125 |
| Efficiency ratio | 63.1615% | 3,748 |
| Assets per employee ($millions) | 3.3408% | 4,895 |
| Cash dividends to net income (ytd only)* | 96.0688% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 1,839 |
| Loan loss allowance to noncurrent loans | 40.2410% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 1.9614% | 580 |
| Noncurrent loans to loans | 3.4294% | 300 |
| Net loans and leases to total assets | 56.4049% | 4,149 |
| Net loans and leases to deposits | 65.5697% | 4,219 |
| Net loans and leases to core deposits | 66.2136% | 4,401 |
| Total domestic deposits to total assets | 86.0228% | 2,424 |
| Equity capital to assets | 13.4714% | 1,075 |
| Core capital (leverage) ratio | 13.1552% | 1,092 |
| Tier 1 risk-based capital ratio | 20.0414% | 1,311 |
| Total risk-based capital ratio | 21.2760% | 1,279 |
| Memoranda: | ||
| Average total assets | $63,967,800 | 4,879 |
| Average earning assets | $60,427,400 | 4,845 |
| Average equity | $8,665,200 | 4,672 |
| Average total loans | $37,210,000 | 4,813 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9256% | 717 |
| Cost of funding earning assets | 0.4906% | 2,350 |
| Net interest margin | 4.4350% | 682 |
| Noninterest income to average assets | 0.3516% | 4,017 |
| Noninterest expense to average assets | 2.7876% | 2,773 |
| Loan and lease loss provision to assets | 0.1394% | 1,528 |
| Net operating income to assets | 1.2222% | 1,601 |
| Return on assets (ROA) | 1.2940% | 1,391 |
| Pretax return on assets | 1.7142% | 1,087 |
| Return on Equity (ROE) | 9.5392% | 2,331 |
| Retained earnings to average equity (ytd only) | 0.4601% | 5,117 |
| Net charge-offs to loans | 0.1531% | 1,325 |
| Credit loss provision to net charge-offs | 155.8140% | 1,639 |
| Earnings coverage of net charge-offs (x) | 19.6518% | 1,989 |
| Efficiency ratio | 61.3272% | 3,992 |
| Assets per employee ($millions) | 3.6528% | 4,511 |
| Cash dividends to net income (ytd only)* | 95.1767% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 2,022 |
| Loan loss allowance to noncurrent loans | 39.9678% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 2.1949% | 555 |
| Noncurrent loans to loans | 3.4295% | 326 |
| Net loans and leases to total assets | 57.4737% | 4,112 |
| Net loans and leases to deposits | 67.9874% | 4,115 |
| Net loans and leases to core deposits | 69.0289% | 4,303 |
| Total domestic deposits to total assets | 84.5357% | 2,903 |
| Equity capital to assets | 14.0391% | 983 |
| Core capital (leverage) ratio | 13.3246% | 1,093 |
| Tier 1 risk-based capital ratio | 20.0653% | 1,345 |
| Total risk-based capital ratio | 21.2897% | 1,321 |
| Memoranda: | ||
| Average total assets | $64,091,000 | 4,929 |
| Average earning assets | $60,607,000 | 4,896 |
| Average equity | $8,693,750 | 4,715 |
| Average total loans | $37,436,500 | 4,857 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9161% | 666 |
| Cost of funding earning assets | 0.4827% | 2,306 |
| Net interest margin | 4.4334% | 658 |
| Noninterest income to average assets | 0.3367% | 4,140 |
| Noninterest expense to average assets | 2.7087% | 3,064 |
| Loan and lease loss provision to assets | 0.1390% | 1,484 |
| Net operating income to assets | 1.2377% | 1,482 |
| Return on assets (ROA) | 1.3281% | 1,246 |
| Pretax return on assets | 1.7790% | 882 |
| Return on Equity (ROE) | 9.9014% | 2,077 |
| Retained earnings to average equity (ytd only) | 1.1743% | 4,771 |
| Net charge-offs to loans | -0.2747% | 5,628 |
| Credit loss provision to net charge-offs | -86.5385% | 4,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1097% | 4,303 |
| Assets per employee ($millions) | 3.9710% | 4,000 |
| Cash dividends to net income (ytd only)* | 88.1395% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 1,371 |
| Loan loss allowance to noncurrent loans | 44.5925% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 2.3735% | 482 |
| Noncurrent loans to loans | 3.4930% | 327 |
| Net loans and leases to total assets | 56.5994% | 4,163 |
| Net loans and leases to deposits | 66.4002% | 4,193 |
| Net loans and leases to core deposits | 67.3818% | 4,391 |
| Total domestic deposits to total assets | 85.2399% | 2,718 |
| Equity capital to assets | 13.8787% | 1,008 |
| Core capital (leverage) ratio | 12.8839% | 1,223 |
| Tier 1 risk-based capital ratio | 20.0456% | 1,364 |
| Total risk-based capital ratio | 21.2966% | 1,328 |
| Memoranda: | ||
| Average total assets | $64,755,330 | 4,960 |
| Average earning assets | $60,902,000 | 4,928 |
| Average equity | $8,685,670 | 4,741 |
| Average total loans | $37,853,330 | 4,879 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7882% | 768 |
| Cost of funding earning assets | 0.4808% | 2,241 |
| Net interest margin | 4.3074% | 770 |
| Noninterest income to average assets | 0.2754% | 4,576 |
| Noninterest expense to average assets | 2.6436% | 3,330 |
| Loan and lease loss provision to assets | 0.1407% | 1,341 |
| Net operating income to assets | 1.1535% | 1,651 |
| Return on assets (ROA) | 1.3279% | 1,202 |
| Pretax return on assets | 1.7808% | 833 |
| Return on Equity (ROE) | 10.0702% | 1,939 |
| Retained earnings to average equity (ytd only) | 2.5524% | 4,118 |
| Net charge-offs to loans | -1.0593% | 5,784 |
| Credit loss provision to net charge-offs | -22.5490% | 3,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0169% | 4,318 |
| Assets per employee ($millions) | 3.8620% | 4,242 |
| Cash dividends to net income (ytd only)* | 74.6544% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5901% | 1,408 |
| Loan loss allowance to noncurrent loans | 38.9179% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 2.4888% | 462 |
| Noncurrent loans to loans | 4.0858% | 248 |
| Net loans and leases to total assets | 56.2768% | 4,141 |
| Net loans and leases to deposits | 65.3519% | 4,222 |
| Net loans and leases to core deposits | 67.6109% | 4,319 |
| Total domestic deposits to total assets | 86.1136% | 2,618 |
| Equity capital to assets | 13.2147% | 1,177 |
| Core capital (leverage) ratio | 12.9338% | 1,171 |
| Tier 1 risk-based capital ratio | 19.6328% | 1,471 |
| Total risk-based capital ratio | 20.8854% | 1,440 |
| Memoranda: | ||
| Average total assets | $65,365,000 | 4,997 |
| Average earning assets | $61,568,500 | 4,961 |
| Average equity | $8,619,500 | 4,790 |
| Average total loans | $38,515,000 | 4,906 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0419% | 552 |
| Cost of funding earning assets | 0.4708% | 2,342 |
| Net interest margin | 4.5711% | 532 |
| Noninterest income to average assets | 0.2931% | 4,643 |
| Noninterest expense to average assets | 2.8368% | 2,895 |
| Loan and lease loss provision to assets | 0.1457% | 1,710 |
| Net operating income to assets | 1.2996% | 1,211 |
| Return on assets (ROA) | 1.4006% | 1,032 |
| Pretax return on assets | 1.8119% | 777 |
| Return on Equity (ROE) | 9.7848% | 2,061 |
| Retained earnings to average equity (ytd only) | 1.6742% | 4,579 |
| Net charge-offs to loans | 0.4054% | 655 |
| Credit loss provision to net charge-offs | 60.0000% | 3,246 |
| Earnings coverage of net charge-offs (x) | 7.5200% | 3,007 |
| Efficiency ratio | 60.8333% | 4,449 |
| Assets per employee ($millions) | 3.6153% | 4,587 |
| Cash dividends to net income (ytd only)* | 82.8902% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1954% | 3,151 |
| Loan loss allowance to noncurrent loans | 49.6320% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 1.4614% | 1,158 |
| Noncurrent loans to loans | 2.4085% | 660 |
| Net loans and leases to total assets | 59.9499% | 3,858 |
| Net loans and leases to deposits | 69.6052% | 3,944 |
| Net loans and leases to core deposits | 72.3736% | 4,064 |
| Total domestic deposits to total assets | 86.1285% | 2,520 |
| Equity capital to assets | 13.1585% | 1,188 |
| Core capital (leverage) ratio | 12.9364% | 1,158 |
| Tier 1 risk-based capital ratio | 18.9347% | 1,616 |
| Total risk-based capital ratio | 20.0402% | 1,625 |
| Memoranda: | ||
| Average total assets | $61,760,000 | 5,099 |
| Average earning assets | $59,045,000 | 5,046 |
| Average equity | $8,840,200 | 4,786 |
| Average total loans | $37,003,200 | 4,981 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9936% | 610 |
| Cost of funding earning assets | 0.4664% | 2,406 |
| Net interest margin | 4.5272% | 590 |
| Noninterest income to average assets | 0.3195% | 4,487 |
| Noninterest expense to average assets | 2.6565% | 3,476 |
| Loan and lease loss provision to assets | 0.0985% | 2,255 |
| Net operating income to assets | 1.4132% | 1,046 |
| Return on assets (ROA) | 1.5427% | 850 |
| Pretax return on assets | 2.0941% | 475 |
| Return on Equity (ROE) | 10.5503% | 1,848 |
| Retained earnings to average equity (ytd only) | 2.8134% | 4,206 |
| Net charge-offs to loans | 0.3958% | 552 |
| Credit loss provision to net charge-offs | 41.6667% | 3,137 |
| Earnings coverage of net charge-offs (x) | 8.5368% | 2,753 |
| Efficiency ratio | 56.8352% | 4,977 |
| Assets per employee ($millions) | 3.6589% | 4,557 |
| Cash dividends to net income (ytd only)* | 73.3335% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 3,162 |
| Loan loss allowance to noncurrent loans | 51.0893% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 1.4758% | 1,224 |
| Noncurrent loans to loans | 2.3730% | 768 |
| Net loans and leases to total assets | 61.4385% | 3,696 |
| Net loans and leases to deposits | 73.9846% | 3,601 |
| Net loans and leases to core deposits | 75.9641% | 3,836 |
| Total domestic deposits to total assets | 83.0423% | 3,577 |
| Equity capital to assets | 14.5381% | 863 |
| Core capital (leverage) ratio | 13.4933% | 1,004 |
| Tier 1 risk-based capital ratio | 19.5515% | 1,533 |
| Total risk-based capital ratio | 20.6809% | 1,524 |
| Memoranda: | ||
| Average total assets | $60,931,000 | 5,166 |
| Average earning assets | $58,607,250 | 5,101 |
| Average equity | $8,909,500 | 4,821 |
| Average total loans | $36,382,750 | 5,048 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9819% | 613 |
| Cost of funding earning assets | 0.4566% | 2,502 |
| Net interest margin | 4.5252% | 584 |
| Noninterest income to average assets | 0.3305% | 4,412 |
| Noninterest expense to average assets | 2.6774% | 3,458 |
| Loan and lease loss provision to assets | 0.0992% | 2,179 |
| Net operating income to assets | 1.4271% | 1,013 |
| Return on assets (ROA) | 1.4841% | 966 |
| Pretax return on assets | 1.9865% | 581 |
| Return on Equity (ROE) | 10.1297% | 1,994 |
| Retained earnings to average equity (ytd only) | 3.5195% | 3,658 |
| Net charge-offs to loans | 0.2471% | 958 |
| Credit loss provision to net charge-offs | 68.1818% | 2,494 |
| Earnings coverage of net charge-offs (x) | 13.8182% | 2,097 |
| Efficiency ratio | 57.1227% | 5,012 |
| Assets per employee ($millions) | 3.5854% | 4,616 |
| Cash dividends to net income (ytd only)* | 65.2561% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 2,244 |
| Loan loss allowance to noncurrent loans | 69.6765% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 1.2174% | 1,697 |
| Noncurrent loans to loans | 2.0241% | 978 |
| Net loans and leases to total assets | 59.2958% | 3,978 |
| Net loans and leases to deposits | 71.3747% | 3,848 |
| Net loans and leases to core deposits | 72.9346% | 4,087 |
| Total domestic deposits to total assets | 83.0768% | 3,615 |
| Equity capital to assets | 14.8592% | 766 |
| Core capital (leverage) ratio | 13.7277% | 893 |
| Tier 1 risk-based capital ratio | 20.1773% | 1,417 |
| Total risk-based capital ratio | 21.4287% | 1,386 |
| Memoranda: | ||
| Average total assets | $60,507,330 | 5,232 |
| Average earning assets | $58,251,330 | 5,160 |
| Average equity | $8,865,000 | 4,865 |
| Average total loans | $35,615,330 | 5,120 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9633% | 622 |
| Cost of funding earning assets | 0.4562% | 2,515 |
| Net interest margin | 4.5070% | 599 |
| Noninterest income to average assets | 0.3649% | 4,109 |
| Noninterest expense to average assets | 2.6342% | 3,643 |
| Loan and lease loss provision to assets | 0.0995% | 2,030 |
| Net operating income to assets | 1.4631% | 915 |
| Return on assets (ROA) | 1.4929% | 912 |
| Pretax return on assets | 1.9972% | 575 |
| Return on Equity (ROE) | 10.2634% | 1,867 |
| Retained earnings to average equity (ytd only) | 2.0527% | 4,435 |
| Net charge-offs to loans | -0.1140% | 5,689 |
| Credit loss provision to net charge-offs | -150.0000% | 4,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1528% | 5,178 |
| Assets per employee ($millions) | 3.5397% | 4,758 |
| Cash dividends to net income (ytd only)* | 80.0000% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5879% | 1,643 |
| Loan loss allowance to noncurrent loans | 68.8971% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 1.3411% | 1,586 |
| Noncurrent loans to loans | 2.3048% | 869 |
| Net loans and leases to total assets | 57.2630% | 4,121 |
| Net loans and leases to deposits | 68.6319% | 3,991 |
| Net loans and leases to core deposits | 70.1392% | 4,234 |
| Total domestic deposits to total assets | 83.4350% | 3,740 |
| Equity capital to assets | 14.6755% | 781 |
| Core capital (leverage) ratio | 13.5674% | 960 |
| Tier 1 risk-based capital ratio | 20.4178% | 1,420 |
| Total risk-based capital ratio | 21.6691% | 1,393 |
| Memoranda: | ||
| Average total assets | $60,285,000 | 5,284 |
| Average earning assets | $57,865,000 | 5,221 |
| Average equity | $8,769,000 | 4,910 |
| Average total loans | $35,093,500 | 5,171 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0077% | 620 |
| Cost of funding earning assets | 0.4994% | 2,159 |
| Net interest margin | 4.5083% | 641 |
| Noninterest income to average assets | 0.3333% | 4,515 |
| Noninterest expense to average assets | 2.7008% | 3,577 |
| Loan and lease loss provision to assets | 0.0788% | 2,708 |
| Net operating income to assets | 1.4678% | 919 |
| Return on assets (ROA) | 1.5171% | 869 |
| Pretax return on assets | 1.9604% | 585 |
| Return on Equity (ROE) | 10.8174% | 1,676 |
| Retained earnings to average equity (ytd only) | 5.4906% | 2,088 |
| Net charge-offs to loans | 0.2939% | 1,034 |
| Credit loss provision to net charge-offs | 48.0000% | 3,434 |
| Earnings coverage of net charge-offs (x) | 12.0300% | 2,508 |
| Efficiency ratio | 57.7598% | 5,168 |
| Assets per employee ($millions) | 3.3553% | 5,057 |
| Cash dividends to net income (ytd only)* | 49.2424% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5097% | 1,956 |
| Loan loss allowance to noncurrent loans | 68.6047% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 1.2816% | 1,665 |
| Noncurrent loans to loans | 2.2006% | 902 |
| Net loans and leases to total assets | 57.3591% | 4,163 |
| Net loans and leases to deposits | 69.0437% | 4,025 |
| Net loans and leases to core deposits | 70.5554% | 4,261 |
| Total domestic deposits to total assets | 83.0764% | 3,820 |
| Equity capital to assets | 14.4168% | 793 |
| Core capital (leverage) ratio | 13.3058% | 1,038 |
| Tier 1 risk-based capital ratio | 20.3888% | 1,406 |
| Total risk-based capital ratio | 21.6402% | 1,387 |
| Memoranda: | ||
| Average total assets | $60,907,400 | 5,302 |
| Average earning assets | $58,669,800 | 5,221 |
| Average equity | $8,541,800 | 4,951 |
| Average total loans | $34,027,200 | 5,222 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9810% | 648 |
| Cost of funding earning assets | 0.5054% | 2,166 |
| Net interest margin | 4.4756% | 688 |
| Noninterest income to average assets | 0.3320% | 4,567 |
| Noninterest expense to average assets | 2.4619% | 4,306 |
| Loan and lease loss provision to assets | 0.0786% | 2,600 |
| Net operating income to assets | 1.5644% | 825 |
| Return on assets (ROA) | 1.6274% | 749 |
| Pretax return on assets | 2.1910% | 425 |
| Return on Equity (ROE) | 11.6853% | 1,468 |
| Retained earnings to average equity (ytd only) | 6.3837% | 2,027 |
| Net charge-offs to loans | 0.3675% | 708 |
| Credit loss provision to net charge-offs | 38.7097% | 3,176 |
| Earnings coverage of net charge-offs (x) | 10.7524% | 2,569 |
| Efficiency ratio | 52.9854% | 5,581 |
| Assets per employee ($millions) | 3.3892% | 5,004 |
| Cash dividends to net income (ytd only)* | 45.3695% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 2,214 |
| Loan loss allowance to noncurrent loans | 81.1728% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 1.0622% | 2,238 |
| Noncurrent loans to loans | 1.8316% | 1,287 |
| Net loans and leases to total assets | 57.1304% | 4,231 |
| Net loans and leases to deposits | 70.1211% | 3,973 |
| Net loans and leases to core deposits | 71.6992% | 4,215 |
| Total domestic deposits to total assets | 81.4740% | 4,339 |
| Equity capital to assets | 14.1511% | 963 |
| Core capital (leverage) ratio | 13.4048% | 1,056 |
| Tier 1 risk-based capital ratio | 20.0436% | 1,536 |
| Total risk-based capital ratio | 21.2954% | 1,501 |
| Memoranda: | ||
| Average total assets | $61,035,500 | 5,363 |
| Average earning assets | $58,835,500 | 5,279 |
| Average equity | $8,500,500 | 5,020 |
| Average total loans | $33,740,750 | 5,293 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9309% | 682 |
| Cost of funding earning assets | 0.5097% | 2,165 |
| Net interest margin | 4.4212% | 734 |
| Noninterest income to average assets | 0.3932% | 4,130 |
| Noninterest expense to average assets | 2.4343% | 4,454 |
| Loan and lease loss provision to assets | 0.0786% | 2,543 |
| Net operating income to assets | 1.5876% | 767 |
| Return on assets (ROA) | 1.6676% | 688 |
| Pretax return on assets | 2.2508% | 383 |
| Return on Equity (ROE) | 12.0383% | 1,360 |
| Retained earnings to average equity (ytd only) | 7.1189% | 1,651 |
| Net charge-offs to loans | 0.1868% | 1,337 |
| Credit loss provision to net charge-offs | 77.4194% | 2,363 |
| Earnings coverage of net charge-offs (x) | 21.8710% | 1,660 |
| Efficiency ratio | 52.2871% | 5,693 |
| Assets per employee ($millions) | 3.3280% | 5,111 |
| Cash dividends to net income (ytd only)* | 40.8644% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7115% | 1,572 |
| Loan loss allowance to noncurrent loans | 100.3478% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 0.9599% | 2,608 |
| Noncurrent loans to loans | 1.7056% | 1,519 |
| Net loans and leases to total assets | 55.3152% | 4,405 |
| Net loans and leases to deposits | 65.8309% | 4,350 |
| Net loans and leases to core deposits | 67.2867% | 4,549 |
| Total domestic deposits to total assets | 84.0261% | 3,553 |
| Equity capital to assets | 14.1026% | 954 |
| Core capital (leverage) ratio | 13.2433% | 1,075 |
| Tier 1 risk-based capital ratio | 20.5162% | 1,450 |
| Total risk-based capital ratio | 21.7686% | 1,425 |
| Memoranda: | ||
| Average total assets | $61,045,330 | 5,419 |
| Average earning assets | $58,853,000 | 5,333 |
| Average equity | $8,456,330 | 5,062 |
| Average total loans | $33,194,670 | 5,356 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8293% | 809 |
| Cost of funding earning assets | 0.5201% | 2,111 |
| Net interest margin | 4.3092% | 858 |
| Noninterest income to average assets | 0.3571% | 4,342 |
| Noninterest expense to average assets | 2.4474% | 4,456 |
| Loan and lease loss provision to assets | 0.0779% | 2,399 |
| Net operating income to assets | 1.4594% | 923 |
| Return on assets (ROA) | 1.6035% | 739 |
| Pretax return on assets | 2.1683% | 413 |
| Return on Equity (ROE) | 11.6778% | 1,433 |
| Retained earnings to average equity (ytd only) | 7.7537% | 1,663 |
| Net charge-offs to loans | 0.0364% | 2,483 |
| Credit loss provision to net charge-offs | 400.0000% | 659 |
| Earnings coverage of net charge-offs (x) | 105.3333% | 476 |
| Efficiency ratio | 54.4012% | 5,645 |
| Assets per employee ($millions) | 3.4262% | 5,038 |
| Cash dividends to net income (ytd only)* | 33.6032% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8001% | 1,500 |
| Loan loss allowance to noncurrent loans | 119.3159% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.8059% | 3,097 |
| Noncurrent loans to loans | 1.5087% | 1,870 |
| Net loans and leases to total assets | 52.4533% | 4,618 |
| Net loans and leases to deposits | 63.5016% | 4,426 |
| Net loans and leases to core deposits | 64.8849% | 4,615 |
| Total domestic deposits to total assets | 82.6015% | 4,304 |
| Equity capital to assets | 13.9058% | 1,013 |
| Core capital (leverage) ratio | 12.8853% | 1,199 |
| Tier 1 risk-based capital ratio | 20.4576% | 1,530 |
| Total risk-based capital ratio | 21.7126% | 1,499 |
| Memoranda: | ||
| Average total assets | $61,616,000 | 5,461 |
| Average earning assets | $59,221,500 | 5,380 |
| Average equity | $8,460,500 | 5,101 |
| Average total loans | $32,935,500 | 5,405 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8952% | 932 |
| Cost of funding earning assets | 0.6100% | 1,681 |
| Net interest margin | 4.2852% | 1,083 |
| Noninterest income to average assets | 0.2928% | 5,024 |
| Noninterest expense to average assets | 2.7441% | 3,698 |
| Loan and lease loss provision to assets | 0.0777% | 2,925 |
| Net operating income to assets | 1.2662% | 1,383 |
| Return on assets (ROA) | 1.2960% | 1,365 |
| Pretax return on assets | 1.6115% | 1,204 |
| Return on Equity (ROE) | 10.0633% | 2,092 |
| Retained earnings to average equity (ytd only) | 4.7992% | 2,760 |
| Net charge-offs to loans | -0.1133% | 6,144 |
| Credit loss provision to net charge-offs | -133.3333% | 5,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4218% | 4,838 |
| Assets per employee ($millions) | 3.2400% | 5,369 |
| Cash dividends to net income (ytd only)* | 52.3096% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7705% | 1,596 |
| Loan loss allowance to noncurrent loans | 135.8974% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.6969% | 3,486 |
| Noncurrent loans to loans | 1.3028% | 2,272 |
| Net loans and leases to total assets | 52.5439% | 4,736 |
| Net loans and leases to deposits | 62.7956% | 4,659 |
| Net loans and leases to core deposits | 64.1417% | 4,819 |
| Total domestic deposits to total assets | 83.6745% | 3,854 |
| Equity capital to assets | 13.5559% | 1,136 |
| Core capital (leverage) ratio | 12.4420% | 1,380 |
| Tier 1 risk-based capital ratio | 20.0873% | 1,581 |
| Total risk-based capital ratio | 21.3559% | 1,547 |
| Memoranda: | ||
| Average total assets | $61,806,400 | 5,504 |
| Average earning assets | $59,180,000 | 5,416 |
| Average equity | $7,959,600 | 5,212 |
| Average total loans | $31,784,600 | 5,493 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8542% | 1,016 |
| Cost of funding earning assets | 0.6254% | 1,638 |
| Net interest margin | 4.2288% | 1,202 |
| Noninterest income to average assets | 0.3017% | 5,033 |
| Noninterest expense to average assets | 2.5538% | 4,345 |
| Loan and lease loss provision to assets | 0.0690% | 2,966 |
| Net operating income to assets | 1.3382% | 1,270 |
| Return on assets (ROA) | 1.3685% | 1,238 |
| Pretax return on assets | 1.7542% | 973 |
| Return on Equity (ROE) | 10.7672% | 1,884 |
| Retained earnings to average equity (ytd only) | 5.6124% | 2,660 |
| Net charge-offs to loans | -0.0804% | 6,072 |
| Credit loss provision to net charge-offs | -168.4211% | 5,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8674% | 5,324 |
| Assets per employee ($millions) | 3.4573% | 4,937 |
| Cash dividends to net income (ytd only)* | 47.8734% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6643% | 2,083 |
| Loan loss allowance to noncurrent loans | 161.7647% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.5463% | 4,225 |
| Noncurrent loans to loans | 1.0289% | 3,015 |
| Net loans and leases to total assets | 52.2175% | 4,783 |
| Net loans and leases to deposits | 63.1603% | 4,620 |
| Net loans and leases to core deposits | 64.1922% | 4,863 |
| Total domestic deposits to total assets | 82.6745% | 4,244 |
| Equity capital to assets | 13.1942% | 1,334 |
| Core capital (leverage) ratio | 12.3822% | 1,472 |
| Tier 1 risk-based capital ratio | 19.5485% | 1,771 |
| Total risk-based capital ratio | 20.8139% | 1,737 |
| Memoranda: | ||
| Average total assets | $61,868,000 | 5,568 |
| Average earning assets | $59,053,750 | 5,486 |
| Average equity | $7,863,250 | 5,274 |
| Average total loans | $31,498,500 | 5,562 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8073% | 1,054 |
| Cost of funding earning assets | 0.6405% | 1,584 |
| Net interest margin | 4.1668% | 1,326 |
| Noninterest income to average assets | 0.3336% | 4,754 |
| Noninterest expense to average assets | 2.5880% | 4,281 |
| Loan and lease loss provision to assets | 0.0648% | 2,972 |
| Net operating income to assets | 1.2947% | 1,328 |
| Return on assets (ROA) | 1.3280% | 1,282 |
| Pretax return on assets | 1.6843% | 1,052 |
| Return on Equity (ROE) | 10.5843% | 1,901 |
| Retained earnings to average equity (ytd only) | 5.4729% | 2,649 |
| Net charge-offs to loans | -0.1291% | 6,223 |
| Credit loss provision to net charge-offs | -100.0000% | 5,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2564% | 5,260 |
| Assets per employee ($millions) | 3.4074% | 5,038 |
| Cash dividends to net income (ytd only)* | 48.2927% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7676% | 1,932 |
| Loan loss allowance to noncurrent loans | 145.2830% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.6049% | 4,159 |
| Noncurrent loans to loans | 1.2166% | 2,800 |
| Net loans and leases to total assets | 48.8399% | 5,099 |
| Net loans and leases to deposits | 56.7125% | 5,141 |
| Net loans and leases to core deposits | 57.2589% | 5,320 |
| Total domestic deposits to total assets | 86.1184% | 2,985 |
| Equity capital to assets | 13.0680% | 1,339 |
| Core capital (leverage) ratio | 12.0156% | 1,640 |
| Tier 1 risk-based capital ratio | 20.3641% | 1,598 |
| Total risk-based capital ratio | 21.6305% | 1,567 |
| Memoranda: | ||
| Average total assets | $61,746,670 | 5,618 |
| Average earning assets | $58,702,670 | 5,539 |
| Average equity | $7,747,330 | 5,327 |
| Average total loans | $30,982,670 | 5,630 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7109% | 1,232 |
| Cost of funding earning assets | 0.6603% | 1,508 |
| Net interest margin | 4.0506% | 1,597 |
| Noninterest income to average assets | 0.3357% | 4,691 |
| Noninterest expense to average assets | 2.5503% | 4,445 |
| Loan and lease loss provision to assets | 0.0775% | 2,592 |
| Net operating income to assets | 1.2358% | 1,384 |
| Return on assets (ROA) | 1.2719% | 1,342 |
| Pretax return on assets | 1.5947% | 1,183 |
| Return on Equity (ROE) | 10.3500% | 1,921 |
| Retained earnings to average equity (ytd only) | 10.3500% | 887 |
| Net charge-offs to loans | -0.1921% | 6,373 |
| Credit loss provision to net charge-offs | -80.0000% | 4,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0510% | 5,260 |
| Assets per employee ($millions) | 3.3392% | 5,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7567% | 2,166 |
| Loan loss allowance to noncurrent loans | 163.6646% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.5075% | 4,632 |
| Noncurrent loans to loans | 1.0733% | 3,275 |
| Net loans and leases to total assets | 46.4551% | 5,281 |
| Net loans and leases to deposits | 53.2792% | 5,350 |
| Net loans and leases to core deposits | 53.5240% | 5,533 |
| Total domestic deposits to total assets | 87.1919% | 2,711 |
| Equity capital to assets | 12.2880% | 1,694 |
| Core capital (leverage) ratio | 12.1366% | 1,586 |
| Tier 1 risk-based capital ratio | 20.4389% | 1,605 |
| Total risk-based capital ratio | 21.7019% | 1,570 |
| Memoranda: | ||
| Average total assets | $61,953,500 | 5,663 |
| Average earning assets | $58,757,000 | 5,596 |
| Average equity | $7,613,500 | 5,386 |
| Average total loans | $31,227,000 | 5,664 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0336% | 862 |
| Cost of funding earning assets | 0.8500% | 949 |
| Net interest margin | 4.1836% | 1,406 |
| Noninterest income to average assets | 0.3283% | 4,988 |
| Noninterest expense to average assets | 2.6217% | 4,385 |
| Loan and lease loss provision to assets | 0.0817% | 3,479 |
| Net operating income to assets | 1.2996% | 1,252 |
| Return on assets (ROA) | 1.3362% | 1,208 |
| Pretax return on assets | 1.6743% | 1,004 |
| Return on Equity (ROE) | 10.5190% | 1,921 |
| Retained earnings to average equity (ytd only) | 0.0772% | 5,820 |
| Net charge-offs to loans | 0.4989% | 1,327 |
| Credit loss provision to net charge-offs | 30.6748% | 4,237 |
| Earnings coverage of net charge-offs (x) | 6.4233% | 3,069 |
| Efficiency ratio | 60.5204% | 5,408 |
| Assets per employee ($millions) | 3.5566% | 4,790 |
| Cash dividends to net income (ytd only)* | 99.2665% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5406% | 3,004 |
| Loan loss allowance to noncurrent loans | 133.6898% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.6665% | 4,241 |
| Noncurrent loans to loans | 1.1524% | 3,233 |
| Net loans and leases to total assets | 52.8488% | 4,742 |
| Net loans and leases to deposits | 61.2909% | 4,795 |
| Net loans and leases to core deposits | 61.5886% | 5,096 |
| Total domestic deposits to total assets | 86.2263% | 3,150 |
| Equity capital to assets | 12.2902% | 1,630 |
| Core capital (leverage) ratio | 11.9460% | 1,646 |
| Tier 1 risk-based capital ratio | 19.0777% | 1,895 |
| Total risk-based capital ratio | 20.3370% | 1,852 |
| Memoranda: | ||
| Average total assets | $61,220,600 | 5,725 |
| Average earning assets | $58,586,200 | 5,639 |
| Average equity | $7,776,400 | 5,400 |
| Average total loans | $32,674,600 | 5,638 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0114% | 922 |
| Cost of funding earning assets | 0.8784% | 912 |
| Net interest margin | 4.1330% | 1,529 |
| Noninterest income to average assets | 0.3365% | 5,002 |
| Noninterest expense to average assets | 2.4708% | 4,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3883% | 1,131 |
| Return on assets (ROA) | 1.4395% | 1,065 |
| Pretax return on assets | 1.8867% | 726 |
| Return on Equity (ROE) | 11.2426% | 1,735 |
| Retained earnings to average equity (ytd only) | 1.5431% | 5,361 |
| Net charge-offs to loans | 0.3666% | 1,732 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 9.3109% | 2,501 |
| Efficiency ratio | 57.5911% | 5,738 |
| Assets per employee ($millions) | 3.6226% | 4,616 |
| Cash dividends to net income (ytd only)* | 86.2746% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5563% | 3,202 |
| Loan loss allowance to noncurrent loans | 226.4069% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.3751% | 5,285 |
| Noncurrent loans to loans | 0.6874% | 4,478 |
| Net loans and leases to total assets | 53.7176% | 4,656 |
| Net loans and leases to deposits | 63.1673% | 4,610 |
| Net loans and leases to core deposits | 63.4703% | 4,954 |
| Total domestic deposits to total assets | 85.0402% | 3,732 |
| Equity capital to assets | 12.3049% | 1,709 |
| Core capital (leverage) ratio | 11.7836% | 1,831 |
| Tier 1 risk-based capital ratio | 18.8088% | 2,045 |
| Total risk-based capital ratio | 20.0714% | 2,005 |
| Memoranda: | ||
| Average total assets | $61,410,000 | 5,781 |
| Average earning assets | $58,744,750 | 5,693 |
| Average equity | $7,862,750 | 5,427 |
| Average total loans | $32,729,750 | 5,695 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9513% | 994 |
| Cost of funding earning assets | 0.9015% | 892 |
| Net interest margin | 4.0498% | 1,695 |
| Noninterest income to average assets | 0.3749% | 4,712 |
| Noninterest expense to average assets | 2.4710% | 4,830 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3639% | 1,160 |
| Return on assets (ROA) | 1.3789% | 1,207 |
| Pretax return on assets | 1.7897% | 949 |
| Return on Equity (ROE) | 10.6313% | 1,955 |
| Retained earnings to average equity (ytd only) | 0.9551% | 5,522 |
| Net charge-offs to loans | 0.1295% | 3,082 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 25.8571% | 1,256 |
| Efficiency ratio | 58.2629% | 5,697 |
| Assets per employee ($millions) | 3.5674% | 4,714 |
| Cash dividends to net income (ytd only)* | 91.0165% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8380% | 2,301 |
| Loan loss allowance to noncurrent loans | 255.1724% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.3825% | 5,337 |
| Noncurrent loans to loans | 0.7203% | 4,486 |
| Net loans and leases to total assets | 52.1337% | 4,846 |
| Net loans and leases to deposits | 60.0387% | 4,975 |
| Net loans and leases to core deposits | 60.0387% | 5,262 |
| Total domestic deposits to total assets | 86.8334% | 2,923 |
| Equity capital to assets | 12.6274% | 1,505 |
| Core capital (leverage) ratio | 11.7199% | 1,784 |
| Tier 1 risk-based capital ratio | 19.4923% | 1,857 |
| Total risk-based capital ratio | 20.7576% | 1,831 |
| Memoranda: | ||
| Average total assets | $61,351,670 | 5,825 |
| Average earning assets | $58,571,000 | 5,740 |
| Average equity | $7,957,670 | 5,440 |
| Average total loans | $32,438,000 | 5,736 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8843% | 1,124 |
| Cost of funding earning assets | 0.8967% | 1,000 |
| Net interest margin | 3.9876% | 1,838 |
| Noninterest income to average assets | 0.4084% | 4,399 |
| Noninterest expense to average assets | 2.2429% | 5,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5234% | 819 |
| Return on assets (ROA) | 1.5234% | 893 |
| Pretax return on assets | 1.9707% | 625 |
| Return on Equity (ROE) | 11.5942% | 1,530 |
| Retained earnings to average equity (ytd only) | 4.1936% | 3,703 |
| Net charge-offs to loans | -0.0369% | 5,988 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2308% | 6,278 |
| Assets per employee ($millions) | 3.6634% | 4,637 |
| Cash dividends to net income (ytd only)* | 63.8298% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9182% | 2,253 |
| Loan loss allowance to noncurrent loans | 228.1481% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.4335% | 5,301 |
| Noncurrent loans to loans | 0.8408% | 4,440 |
| Net loans and leases to total assets | 50.5748% | 4,912 |
| Net loans and leases to deposits | 58.9070% | 4,921 |
| Net loans and leases to core deposits | 58.9070% | 5,256 |
| Total domestic deposits to total assets | 85.8554% | 3,608 |
| Equity capital to assets | 13.0367% | 1,415 |
| Core capital (leverage) ratio | 11.8515% | 1,655 |
| Tier 1 risk-based capital ratio | 19.6301% | 1,870 |
| Total risk-based capital ratio | 20.9069% | 1,840 |
| Memoranda: | ||
| Average total assets | $61,704,500 | 5,870 |
| Average earning assets | $58,882,500 | 5,780 |
| Average equity | $8,107,500 | 5,457 |
| Average total loans | $32,552,500 | 5,770 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2183% | 1,086 |
| Cost of funding earning assets | 1.0564% | 1,089 |
| Net interest margin | 4.1619% | 1,770 |
| Noninterest income to average assets | 0.3936% | 4,657 |
| Noninterest expense to average assets | 2.5267% | 5,002 |
| Loan and lease loss provision to assets | 0.0320% | 5,492 |
| Net operating income to assets | 1.3930% | 1,111 |
| Return on assets (ROA) | 1.4065% | 1,200 |
| Pretax return on assets | 1.8242% | 878 |
| Return on Equity (ROE) | 10.9856% | 1,809 |
| Retained earnings to average equity (ytd only) | 2.9245% | 4,167 |
| Net charge-offs to loans | 0.0402% | 5,357 |
| Credit loss provision to net charge-offs | 153.8462% | 1,757 |
| Earnings coverage of net charge-offs (x) | 88.3846% | 440 |
| Efficiency ratio | 57.8812% | 5,848 |
| Assets per employee ($millions) | 3.5959% | 4,792 |
| Cash dividends to net income (ytd only)* | 73.3788% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8550% | 2,430 |
| Loan loss allowance to noncurrent loans | 323.8095% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 5,746 |
| Noncurrent loans to loans | 0.5729% | 5,098 |
| Net loans and leases to total assets | 52.9682% | 4,768 |
| Net loans and leases to deposits | 61.8588% | 4,800 |
| Net loans and leases to core deposits | 61.8588% | 5,169 |
| Total domestic deposits to total assets | 85.6276% | 3,543 |
| Equity capital to assets | 13.2437% | 1,333 |
| Core capital (leverage) ratio | 11.5800% | 1,820 |
| Tier 1 risk-based capital ratio | 19.2943% | 1,870 |
| Total risk-based capital ratio | 20.5715% | 1,840 |
| Memoranda: | ||
| Average total assets | $62,493,600 | 5,863 |
| Average earning assets | $59,636,000 | 5,757 |
| Average equity | $8,001,400 | 5,505 |
| Average total loans | $32,318,400 | 5,837 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2220% | 1,147 |
| Cost of funding earning assets | 1.0800% | 1,142 |
| Net interest margin | 4.1421% | 1,933 |
| Noninterest income to average assets | 0.4265% | 4,428 |
| Noninterest expense to average assets | 2.3256% | 5,612 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5317% | 969 |
| Return on assets (ROA) | 1.5490% | 1,048 |
| Pretax return on assets | 2.0795% | 598 |
| Return on Equity (ROE) | 12.2003% | 1,565 |
| Retained earnings to average equity (ytd only) | 5.5988% | 2,963 |
| Net charge-offs to loans | -0.0249% | 6,542 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0751% | 6,345 |
| Assets per employee ($millions) | 3.6629% | 4,622 |
| Cash dividends to net income (ytd only)* | 54.1092% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8132% | 2,755 |
| Loan loss allowance to noncurrent loans | 61,200.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 6,817 |
| Noncurrent loans to loans | 0.0030% | 6,685 |
| Net loans and leases to total assets | 53.2207% | 4,869 |
| Net loans and leases to deposits | 63.1575% | 4,820 |
| Net loans and leases to core deposits | 63.1575% | 5,249 |
| Total domestic deposits to total assets | 84.2666% | 4,098 |
| Equity capital to assets | 13.3020% | 1,437 |
| Core capital (leverage) ratio | 11.6627% | 1,861 |
| Tier 1 risk-based capital ratio | 19.0393% | 1,999 |
| Total risk-based capital ratio | 20.3158% | 1,965 |
| Memoranda: | ||
| Average total assets | $62,834,250 | 5,921 |
| Average earning assets | $60,000,750 | 5,806 |
| Average equity | $7,977,750 | 5,563 |
| Average total loans | $32,150,000 | 5,918 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1943% | 1,270 |
| Cost of funding earning assets | 1.0955% | 1,238 |
| Net interest margin | 4.0988% | 2,101 |
| Noninterest income to average assets | 0.4348% | 4,400 |
| Noninterest expense to average assets | 2.3769% | 5,540 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4749% | 1,039 |
| Return on assets (ROA) | 1.5010% | 1,107 |
| Pretax return on assets | 1.9993% | 698 |
| Return on Equity (ROE) | 12.0112% | 1,663 |
| Retained earnings to average equity (ytd only) | 7.5673% | 1,833 |
| Net charge-offs to loans | -0.0063% | 6,207 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7515% | 6,247 |
| Assets per employee ($millions) | 3.6747% | 4,577 |
| Cash dividends to net income (ytd only)* | 36.9979% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8873% | 2,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 50.4290% | 5,300 |
| Net loans and leases to deposits | 58.7403% | 5,374 |
| Net loans and leases to core deposits | 59.0154% | 5,691 |
| Total domestic deposits to total assets | 85.8508% | 3,430 |
| Equity capital to assets | 13.0158% | 1,512 |
| Core capital (leverage) ratio | 11.8229% | 1,706 |
| Tier 1 risk-based capital ratio | 19.5432% | 1,837 |
| Total risk-based capital ratio | 20.8203% | 1,802 |
| Memoranda: | ||
| Average total assets | $63,022,670 | 5,945 |
| Average earning assets | $60,065,670 | 5,841 |
| Average equity | $7,876,000 | 5,612 |
| Average total loans | $31,616,000 | 5,983 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1888% | 1,341 |
| Cost of funding earning assets | 1.1105% | 1,347 |
| Net interest margin | 4.0784% | 2,180 |
| Noninterest income to average assets | 0.4423% | 4,353 |
| Noninterest expense to average assets | 2.2686% | 5,859 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5988% | 866 |
| Return on assets (ROA) | 1.5988% | 969 |
| Pretax return on assets | 2.0727% | 661 |
| Return on Equity (ROE) | 13.0606% | 1,387 |
| Retained earnings to average equity (ytd only) | 4.0266% | 4,170 |
| Net charge-offs to loans | 0.0383% | 4,165 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 109.3333% | 318 |
| Efficiency ratio | 52.2562% | 6,517 |
| Assets per employee ($millions) | 3.7222% | 4,602 |
| Cash dividends to net income (ytd only)* | 69.1700% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9401% | 2,557 |
| Loan loss allowance to noncurrent loans | 5,025.0000% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 6,863 |
| Noncurrent loans to loans | 0.0386% | 6,661 |
| Net loans and leases to total assets | 48.1660% | 5,534 |
| Net loans and leases to deposits | 56.1775% | 5,580 |
| Net loans and leases to core deposits | 56.1775% | 5,891 |
| Total domestic deposits to total assets | 85.7389% | 3,664 |
| Equity capital to assets | 12.3299% | 1,829 |
| Core capital (leverage) ratio | 11.4122% | 1,953 |
| Tier 1 risk-based capital ratio | 19.1271% | 1,954 |
| Total risk-based capital ratio | 20.3994% | 1,918 |
| Memoranda: | ||
| Average total assets | $63,299,000 | 5,974 |
| Average earning assets | $60,514,500 | 5,856 |
| Average equity | $7,748,500 | 5,674 |
| Average total loans | $31,369,500 | 6,043 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4914% | 1,185 |
| Cost of funding earning assets | 1.2925% | 1,518 |
| Net interest margin | 4.1989% | 2,062 |
| Noninterest income to average assets | 0.3411% | 5,090 |
| Noninterest expense to average assets | 2.5456% | 5,313 |
| Loan and lease loss provision to assets | 0.0330% | 6,152 |
| Net operating income to assets | 1.3615% | 1,108 |
| Return on assets (ROA) | 1.4021% | 1,112 |
| Pretax return on assets | 1.8190% | 777 |
| Return on Equity (ROE) | 11.7047% | 1,495 |
| Retained earnings to average equity (ytd only) | 6.3269% | 1,838 |
| Net charge-offs to loans | -0.0189% | 6,950 |
| Credit loss provision to net charge-offs | -333.3333% | 6,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5893% | 5,964 |
| Assets per employee ($millions) | 3.7248% | 4,498 |
| Cash dividends to net income (ytd only)* | 45.9459% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9142% | 2,522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 49.0390% | 5,710 |
| Net loans and leases to deposits | 57.8260% | 5,711 |
| Net loans and leases to core deposits | 57.8260% | 6,007 |
| Total domestic deposits to total assets | 84.8044% | 3,957 |
| Equity capital to assets | 12.1524% | 2,011 |
| Core capital (leverage) ratio | 11.3400% | 2,011 |
| Tier 1 risk-based capital ratio | 18.9387% | 1,913 |
| Total risk-based capital ratio | 20.2124% | 1,867 |
| Memoranda: | ||
| Average total assets | $60,693,400 | 6,014 |
| Average earning assets | $57,872,800 | 5,935 |
| Average equity | $7,270,600 | 5,788 |
| Average total loans | $31,783,600 | 6,084 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5537% | 1,133 |
| Cost of funding earning assets | 1.3331% | 1,538 |
| Net interest margin | 4.2207% | 2,019 |
| Noninterest income to average assets | 0.3731% | 4,884 |
| Noninterest expense to average assets | 2.4096% | 5,744 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4448% | 1,064 |
| Return on assets (ROA) | 1.4902% | 1,041 |
| Pretax return on assets | 2.0476% | 573 |
| Return on Equity (ROE) | 12.4871% | 1,415 |
| Retained earnings to average equity (ytd only) | 7.9091% | 1,537 |
| Net charge-offs to loans | -0.0838% | 7,135 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8257% | 6,406 |
| Assets per employee ($millions) | 3.6294% | 4,679 |
| Cash dividends to net income (ytd only)* | 36.6617% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9319% | 2,530 |
| Loan loss allowance to noncurrent loans | 521.7391% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 6,585 |
| Noncurrent loans to loans | 0.3703% | 6,113 |
| Net loans and leases to total assets | 49.3630% | 5,789 |
| Net loans and leases to deposits | 57.7756% | 5,860 |
| Net loans and leases to core deposits | 57.7756% | 6,146 |
| Total domestic deposits to total assets | 85.4392% | 3,535 |
| Equity capital to assets | 12.4943% | 1,917 |
| Core capital (leverage) ratio | 11.5435% | 1,994 |
| Tier 1 risk-based capital ratio | 19.0902% | 1,902 |
| Total risk-based capital ratio | 20.3696% | 1,868 |
| Memoranda: | ||
| Average total assets | $60,036,500 | 6,084 |
| Average earning assets | $57,209,250 | 6,000 |
| Average equity | $7,164,500 | 5,855 |
| Average total loans | $31,815,000 | 6,146 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5949% | 1,082 |
| Cost of funding earning assets | 1.3749% | 1,529 |
| Net interest margin | 4.2200% | 1,957 |
| Noninterest income to average assets | 0.3934% | 4,733 |
| Noninterest expense to average assets | 2.4007% | 5,842 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4587% | 960 |
| Return on assets (ROA) | 1.5265% | 898 |
| Pretax return on assets | 2.1116% | 480 |
| Return on Equity (ROE) | 13.0030% | 1,197 |
| Retained earnings to average equity (ytd only) | 8.3918% | 1,308 |
| Net charge-offs to loans | -0.0873% | 7,133 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3379% | 6,590 |
| Assets per employee ($millions) | 3.4968% | 4,946 |
| Cash dividends to net income (ytd only)* | 35.4626% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8771% | 2,735 |
| Loan loss allowance to noncurrent loans | 275.0000% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.3634% | 6,226 |
| Noncurrent loans to loans | 0.6826% | 5,543 |
| Net loans and leases to total assets | 52.2348% | 5,538 |
| Net loans and leases to deposits | 60.7521% | 5,643 |
| Net loans and leases to core deposits | 60.7521% | 6,028 |
| Total domestic deposits to total assets | 85.9803% | 3,336 |
| Equity capital to assets | 12.3021% | 1,904 |
| Core capital (leverage) ratio | 11.4482% | 1,948 |
| Tier 1 risk-based capital ratio | 18.8275% | 1,898 |
| Total risk-based capital ratio | 20.0997% | 1,861 |
| Memoranda: | ||
| Average total assets | $59,482,000 | 6,156 |
| Average earning assets | $56,730,330 | 6,065 |
| Average equity | $6,983,000 | 5,931 |
| Average total loans | $32,067,670 | 6,192 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5445% | 1,188 |
| Cost of funding earning assets | 1.4055% | 1,581 |
| Net interest margin | 4.1389% | 2,125 |
| Noninterest income to average assets | 0.4773% | 4,070 |
| Noninterest expense to average assets | 2.3059% | 6,168 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5017% | 870 |
| Return on assets (ROA) | 1.6067% | 729 |
| Pretax return on assets | 2.2588% | 363 |
| Return on Equity (ROE) | 14.0217% | 985 |
| Retained earnings to average equity (ytd only) | 9.5629% | 1,224 |
| Net charge-offs to loans | -0.1239% | 7,145 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2070% | 6,839 |
| Assets per employee ($millions) | 3.5408% | 4,902 |
| Cash dividends to net income (ytd only)* | 31.7992% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8771% | 2,767 |
| Loan loss allowance to noncurrent loans | 282.2967% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 6,337 |
| Noncurrent loans to loans | 0.6649% | 5,700 |
| Net loans and leases to total assets | 51.2369% | 5,680 |
| Net loans and leases to deposits | 58.9841% | 5,827 |
| Net loans and leases to core deposits | 58.9841% | 6,182 |
| Total domestic deposits to total assets | 86.8656% | 3,014 |
| Equity capital to assets | 11.5744% | 2,208 |
| Core capital (leverage) ratio | 11.3302% | 1,939 |
| Tier 1 risk-based capital ratio | 18.3443% | 2,006 |
| Total risk-based capital ratio | 19.6072% | 1,959 |
| Memoranda: | ||
| Average total assets | $59,500,500 | 6,198 |
| Average earning assets | $56,633,000 | 6,112 |
| Average equity | $6,818,000 | 5,981 |
| Average total loans | $32,279,000 | 6,224 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9493% | 942 |
| Cost of funding earning assets | 1.7673% | 1,312 |
| Net interest margin | 4.1820% | 2,257 |
| Noninterest income to average assets | 0.3929% | 4,953 |
| Noninterest expense to average assets | 2.5546% | 5,602 |
| Loan and lease loss provision to assets | 0.0352% | 6,802 |
| Net operating income to assets | 1.3029% | 1,164 |
| Return on assets (ROA) | 1.3355% | 1,163 |
| Pretax return on assets | 1.8076% | 747 |
| Return on Equity (ROE) | 11.2236% | 1,520 |
| Retained earnings to average equity (ytd only) | 5.9080% | 1,873 |
| Net charge-offs to loans | 0.0642% | 6,152 |
| Credit loss provision to net charge-offs | 95.2381% | 4,879 |
| Earnings coverage of net charge-offs (x) | 48.6190% | 476 |
| Efficiency ratio | 58.6807% | 6,252 |
| Assets per employee ($millions) | 3.4593% | 5,030 |
| Cash dividends to net income (ytd only)* | 47.3615% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7478% | 3,039 |
| Loan loss allowance to noncurrent loans | 193.0000% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.5101% | 6,006 |
| Noncurrent loans to loans | 0.9056% | 5,249 |
| Net loans and leases to total assets | 55.3462% | 5,436 |
| Net loans and leases to deposits | 63.1559% | 5,726 |
| Net loans and leases to core deposits | 63.1559% | 6,133 |
| Total domestic deposits to total assets | 87.6343% | 2,459 |
| Equity capital to assets | 11.3403% | 2,385 |
| Core capital (leverage) ratio | 11.2673% | 1,972 |
| Tier 1 risk-based capital ratio | 17.6152% | 2,124 |
| Total risk-based capital ratio | 18.8787% | 2,085 |
| Memoranda: | ||
| Average total assets | $56,759,800 | 6,318 |
| Average earning assets | $53,754,600 | 6,223 |
| Average equity | $6,753,600 | 6,120 |
| Average total loans | $32,721,800 | 6,274 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9702% | 989 |
| Cost of funding earning assets | 1.8441% | 1,241 |
| Net interest margin | 4.1261% | 2,508 |
| Noninterest income to average assets | 0.3769% | 5,141 |
| Noninterest expense to average assets | 2.4392% | 5,918 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3706% | 1,169 |
| Return on assets (ROA) | 1.4057% | 1,161 |
| Pretax return on assets | 1.8940% | 782 |
| Return on Equity (ROE) | 11.6705% | 1,600 |
| Retained earnings to average equity (ytd only) | 7.2031% | 1,751 |
| Net charge-offs to loans | 0.0981% | 5,546 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 32.4575% | 827 |
| Efficiency ratio | 56.9137% | 6,424 |
| Assets per employee ($millions) | 3.6157% | 4,698 |
| Cash dividends to net income (ytd only)* | 38.2799% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6849% | 3,199 |
| Loan loss allowance to noncurrent loans | 160.5187% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.5998% | 5,938 |
| Noncurrent loans to loans | 1.0497% | 5,143 |
| Net loans and leases to total assets | 56.1805% | 5,525 |
| Net loans and leases to deposits | 64.6053% | 5,835 |
| Net loans and leases to core deposits | 64.6053% | 6,246 |
| Total domestic deposits to total assets | 86.9596% | 2,553 |
| Equity capital to assets | 12.1398% | 2,066 |
| Core capital (leverage) ratio | 11.5797% | 1,895 |
| Tier 1 risk-based capital ratio | 18.0568% | 2,013 |
| Total risk-based capital ratio | 19.3367% | 1,961 |
| Memoranda: | ||
| Average total assets | $56,247,750 | 6,411 |
| Average earning assets | $53,285,750 | 6,317 |
| Average equity | $6,774,750 | 6,187 |
| Average total loans | $32,620,500 | 6,359 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9819% | 990 |
| Cost of funding earning assets | 1.8996% | 1,236 |
| Net interest margin | 4.0824% | 2,640 |
| Noninterest income to average assets | 0.3949% | 4,948 |
| Noninterest expense to average assets | 2.4662% | 5,857 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3560% | 1,180 |
| Return on assets (ROA) | 1.3534% | 1,255 |
| Pretax return on assets | 1.8057% | 877 |
| Return on Equity (ROE) | 11.2672% | 1,662 |
| Retained earnings to average equity (ytd only) | 6.7244% | 1,958 |
| Net charge-offs to loans | 0.1786% | 4,539 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 17.3793% | 1,349 |
| Efficiency ratio | 57.6826% | 6,424 |
| Assets per employee ($millions) | 3.4909% | 4,949 |
| Cash dividends to net income (ytd only)* | 40.3183% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7084% | 3,039 |
| Loan loss allowance to noncurrent loans | 135.0490% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.7305% | 5,666 |
| Noncurrent loans to loans | 1.2650% | 4,852 |
| Net loans and leases to total assets | 56.7569% | 5,586 |
| Net loans and leases to deposits | 65.2499% | 5,894 |
| Net loans and leases to core deposits | 65.2499% | 6,294 |
| Total domestic deposits to total assets | 86.9839% | 2,534 |
| Equity capital to assets | 12.2015% | 1,978 |
| Core capital (leverage) ratio | 11.4753% | 1,929 |
| Tier 1 risk-based capital ratio | 18.1664% | 1,913 |
| Total risk-based capital ratio | 19.4343% | 1,876 |
| Memoranda: | ||
| Average total assets | $55,713,330 | 6,469 |
| Average earning assets | $52,959,670 | 6,366 |
| Average equity | $6,692,000 | 6,240 |
| Average total loans | $32,474,670 | 6,408 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0365% | 908 |
| Cost of funding earning assets | 1.9566% | 1,223 |
| Net interest margin | 4.0800% | 2,527 |
| Noninterest income to average assets | 0.4888% | 4,136 |
| Noninterest expense to average assets | 2.4585% | 5,877 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4018% | 1,070 |
| Return on assets (ROA) | 1.4018% | 1,142 |
| Pretax return on assets | 1.8978% | 732 |
| Return on Equity (ROE) | 11.7638% | 1,562 |
| Retained earnings to average equity (ytd only) | 7.1789% | 2,055 |
| Net charge-offs to loans | -0.1350% | 7,585 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4356% | 6,709 |
| Assets per employee ($millions) | 3.4991% | 5,028 |
| Cash dividends to net income (ytd only)* | 38.9744% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8435% | 2,597 |
| Loan loss allowance to noncurrent loans | 145.9259% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.7234% | 5,720 |
| Noncurrent loans to loans | 1.2633% | 4,874 |
| Net loans and leases to total assets | 56.2061% | 5,715 |
| Net loans and leases to deposits | 64.4908% | 6,007 |
| Net loans and leases to core deposits | 65.1788% | 6,354 |
| Total domestic deposits to total assets | 87.1537% | 2,546 |
| Equity capital to assets | 11.9836% | 2,054 |
| Core capital (leverage) ratio | 11.3678% | 1,989 |
| Tier 1 risk-based capital ratio | 18.0361% | 1,936 |
| Total risk-based capital ratio | 19.3047% | 1,903 |
| Memoranda: | ||
| Average total assets | $55,643,000 | 6,543 |
| Average earning assets | $52,745,500 | 6,449 |
| Average equity | $6,630,500 | 6,310 |
| Average total loans | $32,586,000 | 6,479 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2270% | 1,169 |
| Cost of funding earning assets | 2.2810% | 1,726 |
| Net interest margin | 3.9460% | 3,095 |
| Noninterest income to average assets | 0.4360% | 4,907 |
| Noninterest expense to average assets | 2.6530% | 5,583 |
| Loan and lease loss provision to assets | 0.0371% | 7,170 |
| Net operating income to assets | 1.1369% | 1,418 |
| Return on assets (ROA) | 1.1948% | 1,308 |
| Pretax return on assets | 1.5399% | 1,097 |
| Return on Equity (ROE) | 10.1096% | 1,659 |
| Retained earnings to average equity (ytd only) | 4.9449% | 1,849 |
| Net charge-offs to loans | 0.0126% | 7,047 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 202.5000% | 140 |
| Efficiency ratio | 63.8393% | 5,807 |
| Assets per employee ($millions) | 3.4563% | 5,114 |
| Cash dividends to net income (ytd only)* | 51.0870% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7515% | 2,704 |
| Loan loss allowance to noncurrent loans | 147.9592% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.7088% | 5,693 |
| Noncurrent loans to loans | 1.1838% | 4,961 |
| Net loans and leases to total assets | 58.8308% | 5,511 |
| Net loans and leases to deposits | 67.8782% | 5,849 |
| Net loans and leases to core deposits | 79.2565% | 6,165 |
| Total domestic deposits to total assets | 86.6711% | 2,666 |
| Equity capital to assets | 11.8479% | 2,110 |
| Core capital (leverage) ratio | 11.2711% | 2,064 |
| Tier 1 risk-based capital ratio | 17.4393% | 2,041 |
| Total risk-based capital ratio | 18.7110% | 1,992 |
| Memoranda: | ||
| Average total assets | $53,900,800 | 6,560 |
| Average earning assets | $50,810,600 | 6,500 |
| Average equity | $6,370,200 | 6,475 |
| Average total loans | $31,818,400 | 6,534 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2354% | 1,281 |
| Cost of funding earning assets | 2.3538% | 1,790 |
| Net interest margin | 3.8816% | 3,299 |
| Noninterest income to average assets | 0.4731% | 4,724 |
| Noninterest expense to average assets | 2.4923% | 6,094 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2427% | 1,362 |
| Return on assets (ROA) | 1.3146% | 1,260 |
| Pretax return on assets | 1.7254% | 924 |
| Return on Equity (ROE) | 11.1306% | 1,585 |
| Retained earnings to average equity (ytd only) | 6.9356% | 1,533 |
| Net charge-offs to loans | -0.0593% | 7,871 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4469% | 6,351 |
| Assets per employee ($millions) | 3.4311% | 5,092 |
| Cash dividends to net income (ytd only)* | 37.6900% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7705% | 2,381 |
| Loan loss allowance to noncurrent loans | 277.8846% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.3789% | 6,527 |
| Noncurrent loans to loans | 0.6371% | 6,022 |
| Net loans and leases to total assets | 58.4138% | 5,828 |
| Net loans and leases to deposits | 67.8142% | 6,142 |
| Net loans and leases to core deposits | 79.6404% | 6,386 |
| Total domestic deposits to total assets | 86.1379% | 2,622 |
| Equity capital to assets | 12.1990% | 2,121 |
| Core capital (leverage) ratio | 11.3962% | 2,128 |
| Tier 1 risk-based capital ratio | 17.8704% | 2,025 |
| Total risk-based capital ratio | 19.1426% | 1,969 |
| Memoranda: | ||
| Average total assets | $53,550,750 | 6,618 |
| Average earning assets | $50,356,500 | 6,563 |
| Average equity | $6,324,750 | 6,546 |
| Average total loans | $31,494,500 | 6,595 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2485% | 1,333 |
| Cost of funding earning assets | 2.4116% | 1,922 |
| Net interest margin | 3.8369% | 3,382 |
| Noninterest income to average assets | 0.5574% | 3,976 |
| Noninterest expense to average assets | 2.4368% | 6,349 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2862% | 1,261 |
| Return on assets (ROA) | 1.3823% | 1,133 |
| Pretax return on assets | 1.8380% | 790 |
| Return on Equity (ROE) | 11.8374% | 1,468 |
| Retained earnings to average equity (ytd only) | 7.6443% | 1,334 |
| Net charge-offs to loans | -0.0643% | 7,885 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7648% | 6,728 |
| Assets per employee ($millions) | 3.4025% | 5,056 |
| Cash dividends to net income (ytd only)* | 35.4223% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9096% | 1,770 |
| Loan loss allowance to noncurrent loans | 300.5236% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.3508% | 6,576 |
| Noncurrent loans to loans | 0.6354% | 5,972 |
| Net loans and leases to total assets | 54.1605% | 6,426 |
| Net loans and leases to deposits | 61.6184% | 6,763 |
| Net loans and leases to core deposits | 73.0098% | 6,841 |
| Total domestic deposits to total assets | 87.8968% | 1,818 |
| Equity capital to assets | 11.5338% | 2,518 |
| Core capital (leverage) ratio | 11.5149% | 2,080 |
| Tier 1 risk-based capital ratio | 18.3933% | 1,897 |
| Total risk-based capital ratio | 19.6040% | 1,864 |
| Memoranda: | ||
| Average total assets | $53,101,670 | 6,696 |
| Average earning assets | $49,675,670 | 6,642 |
| Average equity | $6,200,670 | 6,644 |
| Average total loans | $31,110,670 | 6,667 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2863% | 1,337 |
| Cost of funding earning assets | 2.4577% | 2,078 |
| Net interest margin | 3.8286% | 3,345 |
| Noninterest income to average assets | 0.8163% | 2,251 |
| Noninterest expense to average assets | 2.3268% | 6,444 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5105% | 920 |
| Return on assets (ROA) | 1.6478% | 792 |
| Pretax return on assets | 2.2810% | 380 |
| Return on Equity (ROE) | 14.0226% | 1,165 |
| Retained earnings to average equity (ytd only) | 9.6730% | 1,291 |
| Net charge-offs to loans | 0.0253% | 5,192 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 137.0000% | 321 |
| Efficiency ratio | 52.6770% | 7,344 |
| Assets per employee ($millions) | 3.3494% | 5,205 |
| Cash dividends to net income (ytd only)* | 31.0185% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8314% | 1,778 |
| Loan loss allowance to noncurrent loans | 279.6020% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.3751% | 6,383 |
| Noncurrent loans to loans | 0.6550% | 5,771 |
| Net loans and leases to total assets | 56.2128% | 6,209 |
| Net loans and leases to deposits | 64.1312% | 6,553 |
| Net loans and leases to core deposits | 75.8358% | 6,685 |
| Total domestic deposits to total assets | 87.6528% | 1,903 |
| Equity capital to assets | 11.5691% | 2,547 |
| Core capital (leverage) ratio | 11.5143% | 2,136 |
| Tier 1 risk-based capital ratio | 18.1886% | 2,005 |
| Total risk-based capital ratio | 19.4591% | 1,955 |
| Memoranda: | ||
| Average total assets | $52,432,500 | 6,763 |
| Average earning assets | $49,313,500 | 6,694 |
| Average equity | $6,161,500 | 6,703 |
| Average total loans | $31,636,500 | 6,671 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8633% | 1,506 |
| Cost of funding earning assets | 2.6673% | 3,325 |
| Net interest margin | 4.1960% | 2,328 |
| Noninterest income to average assets | 0.3653% | 5,792 |
| Noninterest expense to average assets | 2.6889% | 5,316 |
| Loan and lease loss provision to assets | 0.0406% | 6,907 |
| Net operating income to assets | 1.2063% | 1,748 |
| Return on assets (ROA) | 1.1913% | 1,732 |
| Pretax return on assets | 1.6093% | 1,359 |
| Return on Equity (ROE) | 9.8835% | 2,300 |
| Retained earnings to average equity (ytd only) | 4.4450% | 2,361 |
| Net charge-offs to loans | 0.0984% | 5,338 |
| Credit loss provision to net charge-offs | 64.5161% | 6,170 |
| Earnings coverage of net charge-offs (x) | 26.5484% | 1,281 |
| Efficiency ratio | 61.6853% | 6,016 |
| Assets per employee ($millions) | 3.2046% | 5,472 |
| Cash dividends to net income (ytd only)* | 55.0256% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7339% | 1,814 |
| Loan loss allowance to noncurrent loans | 259.1743% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 5,942 |
| Noncurrent loans to loans | 0.6690% | 5,362 |
| Net loans and leases to total assets | 62.4508% | 5,549 |
| Net loans and leases to deposits | 71.5761% | 6,107 |
| Net loans and leases to core deposits | 83.9455% | 6,294 |
| Total domestic deposits to total assets | 87.2508% | 1,813 |
| Equity capital to assets | 11.9417% | 2,329 |
| Core capital (leverage) ratio | 11.7888% | 2,081 |
| Tier 1 risk-based capital ratio | 17.6859% | 2,120 |
| Total risk-based capital ratio | 18.9521% | 2,061 |
| Memoranda: | ||
| Average total assets | $49,275,800 | 6,811 |
| Average earning assets | $46,901,600 | 6,718 |
| Average equity | $5,939,200 | 6,830 |
| Average total loans | $31,501,800 | 6,629 |