Home > The First National Bank of Brooksville > Performance and Condition Ratios
The First National Bank of Brooksville, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8073% | 4,174 |
| Cost of funding earning assets | 0.3688% | 4,319 |
| Net interest margin | 3.4385% | 2,327 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.9275% | 1,220 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7967% | 2,883 |
| Return on assets (ROA) | 0.7967% | 2,865 |
| Pretax return on assets | 0.7967% | 3,219 |
| Return on Equity (ROE) | 10.3000% | 2,406 |
| Retained earnings to average equity (ytd only) | 4.3127% | 2,860 |
| Net charge-offs to loans | 0.0027% | 2,697 |
| Credit loss provision to net charge-offs | 100.0000% | 1,838 |
| Earnings coverage of net charge-offs (x) | 603.0000% | 242 |
| Efficiency ratio | 78.5790% | 1,024 |
| Assets per employee ($millions) | 4.9782% | 3,655 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 2,512 |
| Loan loss allowance to noncurrent loans | 167.4242% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.3535% | 1,550 |
| Noncurrent loans to loans | 0.6913% | 1,137 |
| Net loans and leases to total assets | 50.5500% | 3,565 |
| Net loans and leases to deposits | 55.6781% | 3,727 |
| Net loans and leases to core deposits | 56.5109% | 3,893 |
| Total domestic deposits to total assets | 90.7900% | 561 |
| Equity capital to assets | 8.4716% | 3,074 |
| Core capital (leverage) ratio | 10.2368% | 2,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $75,558,800 | 4,057 |
| Average earning assets | $72,676,800 | 4,006 |
| Average equity | $5,843,200 | 4,176 |
| Average total loans | $37,719,400 | 4,031 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7218% | 4,188 |
| Cost of funding earning assets | 0.1921% | 4,449 |
| Net interest margin | 3.5297% | 2,147 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.8626% | 1,299 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.9395% | 2,549 |
| Return on assets (ROA) | 0.9395% | 2,536 |
| Pretax return on assets | 0.9395% | 3,005 |
| Return on Equity (ROE) | 12.4400% | 2,019 |
| Retained earnings to average equity (ytd only) | 9.8556% | 1,445 |
| Net charge-offs to loans | 0.0213% | 1,683 |
| Credit loss provision to net charge-offs | 100.0000% | 1,617 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 975 |
| Efficiency ratio | 75.0808% | 1,262 |
| Assets per employee ($millions) | 4.6280% | 3,865 |
| Cash dividends to net income (ytd only)* | 20.7865% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1501% | 2,617 |
| Loan loss allowance to noncurrent loans | 200.9091% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.2971% | 1,821 |
| Noncurrent loans to loans | 0.5725% | 1,401 |
| Net loans and leases to total assets | 51.3000% | 3,541 |
| Net loans and leases to deposits | 56.4928% | 3,687 |
| Net loans and leases to core deposits | 57.3508% | 3,801 |
| Total domestic deposits to total assets | 90.8100% | 715 |
| Equity capital to assets | 7.8193% | 3,171 |
| Core capital (leverage) ratio | 10.5103% | 2,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $75,780,250 | 4,073 |
| Average earning assets | $72,865,750 | 4,021 |
| Average equity | $5,722,500 | 4,199 |
| Average total loans | $37,602,000 | 4,044 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6427% | 4,206 |
| Cost of funding earning assets | 0.1580% | 4,467 |
| Net interest margin | 3.4846% | 2,299 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.7895% | 1,437 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.9534% | 2,572 |
| Return on assets (ROA) | 0.9534% | 2,562 |
| Pretax return on assets | 0.9534% | 3,034 |
| Return on Equity (ROE) | 12.7700% | 1,953 |
| Retained earnings to average equity (ytd only) | 10.1754% | 1,359 |
| Net charge-offs to loans | 0.0321% | 1,250 |
| Credit loss provision to net charge-offs | 100.0000% | 1,438 |
| Earnings coverage of net charge-offs (x) | 61.6667% | 1,183 |
| Efficiency ratio | 74.2160% | 1,324 |
| Assets per employee ($millions) | 4.6880% | 3,830 |
| Cash dividends to net income (ytd only)* | 20.3297% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 2,604 |
| Loan loss allowance to noncurrent loans | 138.1250% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.4266% | 1,251 |
| Noncurrent loans to loans | 0.8462% | 903 |
| Net loans and leases to total assets | 49.8300% | 3,573 |
| Net loans and leases to deposits | 54.1960% | 3,736 |
| Net loans and leases to core deposits | 54.9959% | 3,851 |
| Total domestic deposits to total assets | 91.9400% | 424 |
| Equity capital to assets | 7.6938% | 3,408 |
| Core capital (leverage) ratio | 10.1010% | 2,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $76,357,667 | 4,087 |
| Average earning assets | $73,407,667 | 4,036 |
| Average equity | $5,700,000 | 4,230 |
| Average total loans | $37,326,000 | 4,056 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5401% | 4,220 |
| Cost of funding earning assets | 0.1297% | 4,492 |
| Net interest margin | 3.4104% | 2,603 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.6898% | 1,706 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9918% | 2,559 |
| Return on assets (ROA) | 0.9918% | 2,524 |
| Pretax return on assets | 0.9918% | 3,020 |
| Return on Equity (ROE) | 13.4900% | 1,882 |
| Retained earnings to average equity (ytd only) | 10.8747% | 1,494 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.0606% | 1,428 |
| Assets per employee ($millions) | 5.1520% | 3,530 |
| Cash dividends to net income (ytd only)* | 19.3717% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 2,599 |
| Loan loss allowance to noncurrent loans | 120.4360% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.4749% | 1,076 |
| Noncurrent loans to loans | 0.9891% | 737 |
| Net loans and leases to total assets | 47.4400% | 3,672 |
| Net loans and leases to deposits | 51.6635% | 3,813 |
| Net loans and leases to core deposits | 52.4034% | 3,894 |
| Total domestic deposits to total assets | 91.8300% | 556 |
| Equity capital to assets | 7.7510% | 3,412 |
| Core capital (leverage) ratio | 10.0056% | 2,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $77,032,500 | 4,138 |
| Average earning assets | $74,008,500 | 4,080 |
| Average equity | $5,664,500 | 4,284 |
| Average total loans | $37,081,500 | 4,115 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1144% | 3,644 |
| Cost of funding earning assets | 0.0970% | 4,311 |
| Net interest margin | 3.0174% | 3,174 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.7515% | 1,347 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 0.5675% | 3,919 |
| Return on assets (ROA) | 0.5675% | 3,874 |
| Pretax return on assets | 0.5675% | 4,039 |
| Return on Equity (ROE) | 6.7500% | 3,642 |
| Retained earnings to average equity (ytd only) | 4.3888% | 3,329 |
| Net charge-offs to loans | -0.0339% | 4,176 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.3062% | 591 |
| Assets per employee ($millions) | 5.2663% | 3,448 |
| Cash dividends to net income (ytd only)* | 35.0158% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 2,428 |
| Loan loss allowance to noncurrent loans | 82.1561% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.7297% | 704 |
| Noncurrent loans to loans | 1.4839% | 480 |
| Net loans and leases to total assets | 48.5800% | 3,571 |
| Net loans and leases to deposits | 52.5455% | 3,694 |
| Net loans and leases to core deposits | 53.3652% | 3,786 |
| Total domestic deposits to total assets | 92.4500% | 731 |
| Equity capital to assets | 7.1194% | 3,445 |
| Core capital (leverage) ratio | 10.0609% | 2,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $74,479,250 | 4,226 |
| Average earning assets | $71,450,500 | 4,173 |
| Average equity | $6,258,250 | 4,341 |
| Average total loans | $35,404,500 | 4,171 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0413% | 3,451 |
| Cost of funding earning assets | 0.0949% | 4,246 |
| Net interest margin | 2.9464% | 3,044 |
| Noninterest income to average assets | 0.3961% | 2,784 |
| Noninterest expense to average assets | 2.6950% | 1,402 |
| Loan and lease loss provision to assets | -0.0428% | 4,500 |
| Net operating income to assets | 0.5701% | 3,706 |
| Return on assets (ROA) | 0.5701% | 3,658 |
| Pretax return on assets | 0.5701% | 3,873 |
| Return on Equity (ROE) | 6.4598% | 3,458 |
| Retained earnings to average equity (ytd only) | 4.2155% | 3,006 |
| Net charge-offs to loans | -0.0911% | 4,413 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6379% | 704 |
| Assets per employee ($millions) | 4.9983% | 3,680 |
| Cash dividends to net income (ytd only)* | 34.7418% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 2,485 |
| Loan loss allowance to noncurrent loans | 70.6070% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 0.8349% | 618 |
| Noncurrent loans to loans | 1.7520% | 383 |
| Net loans and leases to total assets | 47.0677% | 3,624 |
| Net loans and leases to deposits | 51.2698% | 3,741 |
| Net loans and leases to core deposits | 52.0610% | 3,820 |
| Total domestic deposits to total assets | 91.8039% | 925 |
| Equity capital to assets | 7.8333% | 3,243 |
| Core capital (leverage) ratio | 9.9996% | 2,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,729,667 | 4,265 |
| Average earning assets | $71,681,000 | 4,228 |
| Average equity | $6,594,667 | 4,355 |
| Average total loans | $35,120,333 | 4,229 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9349% | 3,439 |
| Cost of funding earning assets | 0.0894% | 4,259 |
| Net interest margin | 2.8455% | 2,995 |
| Noninterest income to average assets | 0.3967% | 2,712 |
| Noninterest expense to average assets | 2.7075% | 1,343 |
| Loan and lease loss provision to assets | -0.0214% | 4,453 |
| Net operating income to assets | 0.4396% | 3,875 |
| Return on assets (ROA) | 0.4396% | 3,839 |
| Pretax return on assets | 0.4396% | 3,968 |
| Return on Equity (ROE) | 4.7157% | 3,697 |
| Retained earnings to average equity (ytd only) | 2.5879% | 3,389 |
| Net charge-offs to loans | -0.0460% | 4,228 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6209% | 699 |
| Assets per employee ($millions) | 4.9637% | 3,782 |
| Cash dividends to net income (ytd only)* | 45.1220% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2549% | 2,575 |
| Loan loss allowance to noncurrent loans | 86.4971% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 0.6863% | 832 |
| Noncurrent loans to loans | 1.4508% | 575 |
| Net loans and leases to total assets | 46.7114% | 3,515 |
| Net loans and leases to deposits | 51.3510% | 3,620 |
| Net loans and leases to core deposits | 52.1557% | 3,724 |
| Total domestic deposits to total assets | 90.9650% | 1,055 |
| Equity capital to assets | 8.6039% | 3,075 |
| Core capital (leverage) ratio | 10.1103% | 2,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,607,000 | 4,290 |
| Average earning assets | $71,552,000 | 4,250 |
| Average equity | $6,955,500 | 4,365 |
| Average total loans | $34,815,000 | 4,252 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5859% | 2,428 |
| Cost of funding earning assets | 0.1232% | 4,198 |
| Net interest margin | 3.4628% | 1,845 |
| Noninterest income to average assets | 0.3681% | 3,231 |
| Noninterest expense to average assets | 2.7646% | 1,442 |
| Loan and lease loss provision to assets | -0.0180% | 4,211 |
| Net operating income to assets | 0.9284% | 2,946 |
| Return on assets (ROA) | 0.9284% | 3,010 |
| Pretax return on assets | 0.9284% | 3,429 |
| Return on Equity (ROE) | 8.6083% | 3,049 |
| Retained earnings to average equity (ytd only) | 4.1566% | 3,163 |
| Net charge-offs to loans | -0.0385% | 4,211 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2259% | 1,184 |
| Assets per employee ($millions) | 5.3399% | 3,427 |
| Cash dividends to net income (ytd only)* | 51.7139% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 2,433 |
| Loan loss allowance to noncurrent loans | 97.7876% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.6046% | 1,090 |
| Noncurrent loans to loans | 1.3136% | 718 |
| Net loans and leases to total assets | 45.4353% | 3,732 |
| Net loans and leases to deposits | 50.8960% | 3,818 |
| Net loans and leases to core deposits | 51.7427% | 3,910 |
| Total domestic deposits to total assets | 89.2709% | 1,368 |
| Equity capital to assets | 10.0389% | 2,622 |
| Core capital (leverage) ratio | 9.9484% | 2,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,271,600 | 4,313 |
| Average earning assets | $69,019,400 | 4,276 |
| Average equity | $7,794,800 | 4,350 |
| Average total loans | $33,780,200 | 4,304 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7680% | 2,100 |
| Cost of funding earning assets | 0.1268% | 4,292 |
| Net interest margin | 3.6412% | 1,490 |
| Noninterest income to average assets | 0.3629% | 3,283 |
| Noninterest expense to average assets | 2.7355% | 1,496 |
| Loan and lease loss provision to assets | -0.0321% | 4,401 |
| Net operating income to assets | 1.1314% | 2,432 |
| Return on assets (ROA) | 1.1314% | 2,495 |
| Pretax return on assets | 1.1314% | 3,132 |
| Return on Equity (ROE) | 10.3041% | 2,625 |
| Retained earnings to average equity (ytd only) | 8.4059% | 1,907 |
| Net charge-offs to loans | -0.0674% | 4,468 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3246% | 1,457 |
| Assets per employee ($millions) | 4.8489% | 3,843 |
| Cash dividends to net income (ytd only)* | 18.4211% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 2,498 |
| Loan loss allowance to noncurrent loans | 108.0685% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.5623% | 1,368 |
| Noncurrent loans to loans | 1.2010% | 926 |
| Net loans and leases to total assets | 46.2142% | 3,775 |
| Net loans and leases to deposits | 52.3559% | 3,857 |
| Net loans and leases to core deposits | 53.2610% | 3,968 |
| Total domestic deposits to total assets | 88.2694% | 1,674 |
| Equity capital to assets | 10.9991% | 2,020 |
| Core capital (leverage) ratio | 10.5340% | 2,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,649,750 | 4,372 |
| Average earning assets | $68,327,750 | 4,342 |
| Average equity | $7,867,250 | 4,404 |
| Average total loans | $33,623,000 | 4,365 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5270% | 2,821 |
| Cost of funding earning assets | 0.1353% | 4,314 |
| Net interest margin | 3.3916% | 2,164 |
| Noninterest income to average assets | 0.3647% | 3,276 |
| Noninterest expense to average assets | 2.7241% | 1,527 |
| Loan and lease loss provision to assets | -0.0112% | 4,411 |
| Net operating income to assets | 0.8865% | 3,261 |
| Return on assets (ROA) | 0.8865% | 3,335 |
| Pretax return on assets | 0.8865% | 3,687 |
| Return on Equity (ROE) | 8.0787% | 3,390 |
| Retained earnings to average equity (ytd only) | 6.1869% | 2,732 |
| Net charge-offs to loans | -0.0239% | 4,056 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6820% | 1,114 |
| Assets per employee ($millions) | 5.2177% | 3,437 |
| Cash dividends to net income (ytd only)* | 23.4177% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 2,417 |
| Loan loss allowance to noncurrent loans | 122.0994% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.4956% | 1,684 |
| Noncurrent loans to loans | 1.0684% | 1,139 |
| Net loans and leases to total assets | 45.7767% | 3,920 |
| Net loans and leases to deposits | 51.5580% | 4,019 |
| Net loans and leases to core deposits | 52.2272% | 4,121 |
| Total domestic deposits to total assets | 88.7868% | 1,395 |
| Equity capital to assets | 10.7094% | 2,217 |
| Core capital (leverage) ratio | 10.2368% | 2,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,288,667 | 4,404 |
| Average earning assets | $67,990,667 | 4,368 |
| Average equity | $7,823,000 | 4,430 |
| Average total loans | $33,479,000 | 4,401 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0907% | 3,904 |
| Cost of funding earning assets | 0.1611% | 4,232 |
| Net interest margin | 2.9296% | 3,440 |
| Noninterest income to average assets | 0.3693% | 3,249 |
| Noninterest expense to average assets | 2.8008% | 1,366 |
| Loan and lease loss provision to assets | -0.0057% | 4,565 |
| Net operating income to assets | 0.3636% | 4,425 |
| Return on assets (ROA) | 0.3636% | 4,456 |
| Pretax return on assets | 0.3636% | 4,537 |
| Return on Equity (ROE) | 3.2724% | 4,422 |
| Retained earnings to average equity (ytd only) | 1.3805% | 4,149 |
| Net charge-offs to loans | -0.0120% | 3,747 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6691% | 417 |
| Assets per employee ($millions) | 5.5187% | 3,097 |
| Cash dividends to net income (ytd only)* | 57.8125% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3181% | 2,356 |
| Loan loss allowance to noncurrent loans | 135.5828% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 2,030 |
| Noncurrent loans to loans | 0.9722% | 1,391 |
| Net loans and leases to total assets | 46.1230% | 3,951 |
| Net loans and leases to deposits | 52.0725% | 4,040 |
| Net loans and leases to core deposits | 52.7625% | 4,155 |
| Total domestic deposits to total assets | 88.5745% | 1,572 |
| Equity capital to assets | 10.8024% | 2,008 |
| Core capital (leverage) ratio | 10.4935% | 2,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,409,000 | 4,427 |
| Average earning assets | $67,040,500 | 4,397 |
| Average equity | $7,823,000 | 4,449 |
| Average total loans | $33,278,000 | 4,427 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5835% | 3,844 |
| Cost of funding earning assets | 0.2224% | 4,498 |
| Net interest margin | 3.3611% | 2,897 |
| Noninterest income to average assets | 0.3752% | 3,239 |
| Noninterest expense to average assets | 2.8930% | 1,703 |
| Loan and lease loss provision to assets | 0.0387% | 3,927 |
| Net operating income to assets | 0.6387% | 3,629 |
| Return on assets (ROA) | 0.6387% | 3,752 |
| Pretax return on assets | 0.6387% | 3,997 |
| Return on Equity (ROE) | 5.4690% | 3,759 |
| Retained earnings to average equity (ytd only) | 1.0581% | 4,207 |
| Net charge-offs to loans | 0.0775% | 1,706 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 2,072 |
| Efficiency ratio | 81.0259% | 815 |
| Assets per employee ($millions) | 5.3135% | 3,036 |
| Cash dividends to net income (ytd only)* | 80.6527% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 2,239 |
| Loan loss allowance to noncurrent loans | 163.7037% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 2,422 |
| Noncurrent loans to loans | 0.8176% | 1,714 |
| Net loans and leases to total assets | 47.1690% | 4,039 |
| Net loans and leases to deposits | 53.8501% | 4,117 |
| Net loans and leases to core deposits | 54.6449% | 4,228 |
| Total domestic deposits to total assets | 87.5932% | 1,663 |
| Equity capital to assets | 11.4311% | 1,934 |
| Core capital (leverage) ratio | 10.5785% | 2,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,163,200 | 4,423 |
| Average earning assets | $63,848,200 | 4,389 |
| Average equity | $7,844,200 | 4,441 |
| Average total loans | $33,556,200 | 4,443 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6792% | 3,843 |
| Cost of funding earning assets | 0.2293% | 4,573 |
| Net interest margin | 3.4499% | 2,752 |
| Noninterest income to average assets | 0.3679% | 3,257 |
| Noninterest expense to average assets | 2.8911% | 1,727 |
| Loan and lease loss provision to assets | 0.0660% | 3,514 |
| Net operating income to assets | 0.6898% | 3,491 |
| Return on assets (ROA) | 0.6898% | 3,592 |
| Pretax return on assets | 0.6898% | 3,927 |
| Return on Equity (ROE) | 5.8738% | 3,596 |
| Retained earnings to average equity (ytd only) | 3.9669% | 3,068 |
| Net charge-offs to loans | 0.1306% | 1,099 |
| Credit loss provision to net charge-offs | 100.0000% | 2,620 |
| Earnings coverage of net charge-offs (x) | 11.4545% | 2,302 |
| Efficiency ratio | 79.2763% | 919 |
| Assets per employee ($millions) | 5.2466% | 2,953 |
| Cash dividends to net income (ytd only)* | 32.4638% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 2,103 |
| Loan loss allowance to noncurrent loans | 173.3333% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.3739% | 2,654 |
| Noncurrent loans to loans | 0.7584% | 1,911 |
| Net loans and leases to total assets | 48.6497% | 4,177 |
| Net loans and leases to deposits | 55.6605% | 4,276 |
| Net loans and leases to core deposits | 56.4935% | 4,368 |
| Total domestic deposits to total assets | 87.4043% | 1,488 |
| Equity capital to assets | 11.9168% | 1,731 |
| Core capital (leverage) ratio | 10.7268% | 2,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,685,250 | 4,444 |
| Average earning assets | $63,381,250 | 4,409 |
| Average equity | $7,831,250 | 4,464 |
| Average total loans | $33,689,250 | 4,467 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7778% | 3,924 |
| Cost of funding earning assets | 0.2353% | 4,669 |
| Net interest margin | 3.5425% | 2,664 |
| Noninterest income to average assets | 0.3717% | 3,246 |
| Noninterest expense to average assets | 2.8741% | 1,903 |
| Loan and lease loss provision to assets | 0.0937% | 3,101 |
| Net operating income to assets | 0.7706% | 3,158 |
| Return on assets (ROA) | 0.7706% | 3,268 |
| Pretax return on assets | 0.7706% | 3,672 |
| Return on Equity (ROE) | 6.5957% | 3,291 |
| Retained earnings to average equity (ytd only) | 4.6558% | 2,632 |
| Net charge-offs to loans | 0.1839% | 823 |
| Credit loss provision to net charge-offs | 100.0000% | 2,394 |
| Earnings coverage of net charge-offs (x) | 9.2258% | 2,236 |
| Efficiency ratio | 76.8795% | 1,172 |
| Assets per employee ($millions) | 5.3002% | 2,836 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 1,847 |
| Loan loss allowance to noncurrent loans | 146.3576% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.4383% | 2,559 |
| Noncurrent loans to loans | 0.9127% | 1,687 |
| Net loans and leases to total assets | 47.3818% | 4,288 |
| Net loans and leases to deposits | 54.0415% | 4,379 |
| Net loans and leases to core deposits | 54.8376% | 4,471 |
| Total domestic deposits to total assets | 87.6767% | 1,337 |
| Equity capital to assets | 11.7573% | 1,798 |
| Core capital (leverage) ratio | 10.7870% | 2,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,178,333 | 4,455 |
| Average earning assets | $62,893,333 | 4,425 |
| Average equity | $7,732,333 | 4,493 |
| Average total loans | $33,711,000 | 4,491 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8996% | 4,034 |
| Cost of funding earning assets | 0.2470% | 4,780 |
| Net interest margin | 3.6527% | 2,497 |
| Noninterest income to average assets | 0.4320% | 2,898 |
| Noninterest expense to average assets | 2.9437% | 2,023 |
| Loan and lease loss provision to assets | 0.1543% | 1,855 |
| Net operating income to assets | 0.8023% | 2,899 |
| Return on assets (ROA) | 0.8023% | 2,989 |
| Pretax return on assets | 0.8023% | 3,407 |
| Return on Equity (ROE) | 6.8892% | 2,997 |
| Retained earnings to average equity (ytd only) | 4.8755% | 2,334 |
| Net charge-offs to loans | 0.2939% | 491 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 6.2000% | 2,001 |
| Efficiency ratio | 75.4747% | 1,623 |
| Assets per employee ($millions) | 4.9912% | 2,660 |
| Cash dividends to net income (ytd only)* | 29.2308% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 2,090 |
| Loan loss allowance to noncurrent loans | 108.0685% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.6303% | 2,110 |
| Noncurrent loans to loans | 1.2131% | 1,349 |
| Net loans and leases to total assets | 51.2807% | 4,166 |
| Net loans and leases to deposits | 58.7828% | 4,257 |
| Net loans and leases to core deposits | 59.7057% | 4,369 |
| Total domestic deposits to total assets | 87.2376% | 1,451 |
| Equity capital to assets | 12.0534% | 2,028 |
| Core capital (leverage) ratio | 11.1569% | 2,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,816,500 | 4,489 |
| Average earning assets | $61,544,000 | 4,459 |
| Average equity | $7,548,000 | 4,545 |
| Average total loans | $34,022,000 | 4,498 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1071% | 4,024 |
| Cost of funding earning assets | 0.2353% | 4,887 |
| Net interest margin | 3.8717% | 2,269 |
| Noninterest income to average assets | 0.4720% | 2,889 |
| Noninterest expense to average assets | 3.3414% | 1,225 |
| Loan and lease loss provision to assets | 0.0604% | 2,831 |
| Net operating income to assets | 0.7512% | 3,696 |
| Return on assets (ROA) | 0.7512% | 3,779 |
| Pretax return on assets | 0.7512% | 4,078 |
| Return on Equity (ROE) | 6.4169% | 3,771 |
| Retained earnings to average equity (ytd only) | 0.8509% | 4,432 |
| Net charge-offs to loans | 0.1067% | 1,660 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 13.4324% | 2,361 |
| Efficiency ratio | 80.4562% | 906 |
| Assets per employee ($millions) | 4.9805% | 2,625 |
| Cash dividends to net income (ytd only)* | 86.7391% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 1,981 |
| Loan loss allowance to noncurrent loans | 112.7551% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.6054% | 2,083 |
| Noncurrent loans to loans | 1.1419% | 1,320 |
| Net loans and leases to total assets | 52.3360% | 4,196 |
| Net loans and leases to deposits | 59.7510% | 4,304 |
| Net loans and leases to core deposits | 60.7417% | 4,409 |
| Total domestic deposits to total assets | 87.5902% | 1,323 |
| Equity capital to assets | 11.2360% | 2,777 |
| Core capital (leverage) ratio | 11.7189% | 1,945 |
| Tier 1 risk-based capital ratio | 22.8460% | 926 |
| Total risk-based capital ratio | 24.0974% | 910 |
| Memoranda: | ||
| Average total assets | $61,231,400 | 4,580 |
| Average earning assets | $58,216,600 | 4,554 |
| Average equity | $7,168,600 | 4,617 |
| Average total loans | $34,662,800 | 4,545 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1657% | 4,000 |
| Cost of funding earning assets | 0.2371% | 4,957 |
| Net interest margin | 3.9286% | 2,165 |
| Noninterest income to average assets | 0.4683% | 2,913 |
| Noninterest expense to average assets | 3.3204% | 1,228 |
| Loan and lease loss provision to assets | 0.0729% | 2,426 |
| Net operating income to assets | 0.8086% | 3,652 |
| Return on assets (ROA) | 0.8086% | 3,729 |
| Pretax return on assets | 0.8086% | 4,100 |
| Return on Equity (ROE) | 6.8327% | 3,749 |
| Retained earnings to average equity (ytd only) | 4.7230% | 3,043 |
| Net charge-offs to loans | 0.1266% | 1,248 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 12.0907% | 2,388 |
| Efficiency ratio | 79.0221% | 1,012 |
| Assets per employee ($millions) | 4.6550% | 2,961 |
| Cash dividends to net income (ytd only)* | 30.8736% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 1,952 |
| Loan loss allowance to noncurrent loans | 204.6296% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 3,075 |
| Noncurrent loans to loans | 0.6366% | 2,380 |
| Net loans and leases to total assets | 55.3350% | 4,089 |
| Net loans and leases to deposits | 63.7392% | 4,188 |
| Net loans and leases to core deposits | 64.8790% | 4,332 |
| Total domestic deposits to total assets | 86.8148% | 1,611 |
| Equity capital to assets | 12.4415% | 1,956 |
| Core capital (leverage) ratio | 12.0663% | 1,806 |
| Tier 1 risk-based capital ratio | 24.7235% | 785 |
| Total risk-based capital ratio | 25.9746% | 770 |
| Memoranda: | ||
| Average total assets | $60,352,500 | 4,653 |
| Average earning assets | $57,355,750 | 4,625 |
| Average equity | $7,142,000 | 4,679 |
| Average total loans | $34,746,500 | 4,601 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1368% | 4,074 |
| Cost of funding earning assets | 0.2337% | 4,999 |
| Net interest margin | 3.9031% | 2,236 |
| Noninterest income to average assets | 0.4644% | 2,884 |
| Noninterest expense to average assets | 3.3500% | 1,193 |
| Loan and lease loss provision to assets | 0.0299% | 3,221 |
| Net operating income to assets | 0.7960% | 3,671 |
| Return on assets (ROA) | 0.7960% | 3,730 |
| Pretax return on assets | 0.7960% | 4,104 |
| Return on Equity (ROE) | 6.8444% | 3,735 |
| Retained earnings to average equity (ytd only) | 4.7055% | 2,914 |
| Net charge-offs to loans | 0.0514% | 1,913 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 27.6667% | 1,532 |
| Efficiency ratio | 80.2224% | 950 |
| Assets per employee ($millions) | 3.9577% | 3,926 |
| Cash dividends to net income (ytd only)* | 31.2500% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 2,151 |
| Loan loss allowance to noncurrent loans | 105.4893% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.7058% | 1,941 |
| Noncurrent loans to loans | 1.2012% | 1,334 |
| Net loans and leases to total assets | 58.0113% | 3,914 |
| Net loans and leases to deposits | 66.6802% | 4,049 |
| Net loans and leases to core deposits | 67.8909% | 4,210 |
| Total domestic deposits to total assets | 86.9993% | 1,595 |
| Equity capital to assets | 12.3505% | 1,938 |
| Core capital (leverage) ratio | 12.0962% | 1,761 |
| Tier 1 risk-based capital ratio | 24.5775% | 798 |
| Total risk-based capital ratio | 25.8298% | 771 |
| Memoranda: | ||
| Average total assets | $60,298,330 | 4,689 |
| Average earning assets | $57,339,670 | 4,663 |
| Average equity | $7,013,000 | 4,725 |
| Average total loans | $35,019,330 | 4,624 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0467% | 4,271 |
| Cost of funding earning assets | 0.2287% | 5,045 |
| Net interest margin | 3.8180% | 2,458 |
| Noninterest income to average assets | 0.4608% | 2,795 |
| Noninterest expense to average assets | 3.4889% | 980 |
| Loan and lease loss provision to assets | 0.0790% | 2,108 |
| Net operating income to assets | 0.5200% | 4,462 |
| Return on assets (ROA) | 0.5200% | 4,483 |
| Pretax return on assets | 0.5200% | 4,638 |
| Return on Equity (ROE) | 4.6108% | 4,443 |
| Retained earnings to average equity (ytd only) | 2.3929% | 3,957 |
| Net charge-offs to loans | 0.1368% | 926 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 7.5833% | 2,124 |
| Efficiency ratio | 85.3462% | 621 |
| Assets per employee ($millions) | 4.6992% | 2,922 |
| Cash dividends to net income (ytd only)* | 48.1013% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 2,192 |
| Loan loss allowance to noncurrent loans | 122.7778% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.5893% | 2,295 |
| Noncurrent loans to loans | 1.0411% | 1,603 |
| Net loans and leases to total assets | 55.8791% | 4,071 |
| Net loans and leases to deposits | 63.5999% | 4,207 |
| Net loans and leases to core deposits | 64.7079% | 4,347 |
| Total domestic deposits to total assets | 87.8603% | 1,409 |
| Equity capital to assets | 11.4112% | 2,479 |
| Core capital (leverage) ratio | 11.8115% | 1,899 |
| Tier 1 risk-based capital ratio | 24.1044% | 834 |
| Total risk-based capital ratio | 25.3572% | 816 |
| Memoranda: | ||
| Average total assets | $60,764,500 | 4,734 |
| Average earning assets | $57,726,500 | 4,700 |
| Average equity | $6,853,500 | 4,781 |
| Average total loans | $35,088,500 | 4,666 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0212% | 3,963 |
| Cost of funding earning assets | 0.2401% | 4,849 |
| Net interest margin | 3.7811% | 2,740 |
| Noninterest income to average assets | 0.4955% | 2,853 |
| Noninterest expense to average assets | 3.1779% | 1,602 |
| Loan and lease loss provision to assets | 0.0115% | 3,905 |
| Net operating income to assets | 0.8974% | 3,445 |
| Return on assets (ROA) | 0.8974% | 3,436 |
| Pretax return on assets | 0.8974% | 3,903 |
| Return on Equity (ROE) | 8.1673% | 3,369 |
| Retained earnings to average equity (ytd only) | 1.4931% | 4,536 |
| Net charge-offs to loans | 0.0193% | 3,058 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 79.1429% | 863 |
| Efficiency ratio | 77.7599% | 1,149 |
| Assets per employee ($millions) | 4.3171% | 3,434 |
| Cash dividends to net income (ytd only)* | 81.7185% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 2,347 |
| Loan loss allowance to noncurrent loans | 125.5682% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.5824% | 2,295 |
| Noncurrent loans to loans | 0.9888% | 1,641 |
| Net loans and leases to total assets | 58.1684% | 3,946 |
| Net loans and leases to deposits | 66.4192% | 4,088 |
| Net loans and leases to core deposits | 67.6578% | 4,255 |
| Total domestic deposits to total assets | 87.5778% | 1,495 |
| Equity capital to assets | 11.1449% | 2,559 |
| Core capital (leverage) ratio | 11.6393% | 2,001 |
| Tier 1 risk-based capital ratio | 23.6794% | 848 |
| Total risk-based capital ratio | 24.9306% | 832 |
| Memoranda: | ||
| Average total assets | $60,953,000 | 4,743 |
| Average earning assets | $57,893,200 | 4,710 |
| Average equity | $6,697,400 | 4,794 |
| Average total loans | $36,307,600 | 4,646 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9576% | 4,053 |
| Cost of funding earning assets | 0.2413% | 4,839 |
| Net interest margin | 3.7163% | 2,962 |
| Noninterest income to average assets | 0.4890% | 2,926 |
| Noninterest expense to average assets | 3.1389% | 1,671 |
| Loan and lease loss provision to assets | 0.0131% | 3,734 |
| Net operating income to assets | 0.8666% | 3,674 |
| Return on assets (ROA) | 0.8666% | 3,678 |
| Pretax return on assets | 0.8666% | 4,125 |
| Return on Equity (ROE) | 7.9148% | 3,581 |
| Retained earnings to average equity (ytd only) | 5.6620% | 2,848 |
| Net charge-offs to loans | 0.0219% | 2,700 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 67.1650% | 982 |
| Efficiency ratio | 78.1097% | 1,110 |
| Assets per employee ($millions) | 4.2611% | 3,492 |
| Cash dividends to net income (ytd only)* | 28.4629% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 2,524 |
| Loan loss allowance to noncurrent loans | 217.7340% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.3403% | 3,314 |
| Noncurrent loans to loans | 0.5594% | 2,704 |
| Net loans and leases to total assets | 60.0929% | 3,831 |
| Net loans and leases to deposits | 68.3515% | 4,038 |
| Net loans and leases to core deposits | 69.6354% | 4,217 |
| Total domestic deposits to total assets | 87.9174% | 1,274 |
| Equity capital to assets | 11.3082% | 2,390 |
| Core capital (leverage) ratio | 12.0114% | 1,781 |
| Tier 1 risk-based capital ratio | 24.3397% | 808 |
| Total risk-based capital ratio | 25.5899% | 789 |
| Memoranda: | ||
| Average total assets | $61,081,250 | 4,789 |
| Average earning assets | $58,013,250 | 4,759 |
| Average equity | $6,687,750 | 4,848 |
| Average total loans | $36,484,750 | 4,693 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8630% | 4,179 |
| Cost of funding earning assets | 0.2464% | 4,763 |
| Net interest margin | 3.6166% | 3,248 |
| Noninterest income to average assets | 0.4841% | 2,954 |
| Noninterest expense to average assets | 3.1158% | 1,742 |
| Loan and lease loss provision to assets | 0.0032% | 3,747 |
| Net operating income to assets | 0.7993% | 3,857 |
| Return on assets (ROA) | 0.7993% | 3,859 |
| Pretax return on assets | 0.7993% | 4,248 |
| Return on Equity (ROE) | 7.3782% | 3,774 |
| Retained earnings to average equity (ytd only) | 5.1287% | 3,013 |
| Net charge-offs to loans | 0.0055% | 2,962 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 247.0000% | 362 |
| Efficiency ratio | 79.5191% | 1,066 |
| Assets per employee ($millions) | 4.2416% | 3,514 |
| Cash dividends to net income (ytd only)* | 30.4878% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 2,567 |
| Loan loss allowance to noncurrent loans | 350.7937% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 3,943 |
| Noncurrent loans to loans | 0.3497% | 3,445 |
| Net loans and leases to total assets | 59.9279% | 3,818 |
| Net loans and leases to deposits | 68.0505% | 4,015 |
| Net loans and leases to core deposits | 69.3312% | 4,182 |
| Total domestic deposits to total assets | 88.0639% | 1,342 |
| Equity capital to assets | 11.2524% | 2,405 |
| Core capital (leverage) ratio | 11.6486% | 1,946 |
| Tier 1 risk-based capital ratio | 24.0837% | 826 |
| Total risk-based capital ratio | 25.3369% | 795 |
| Memoranda: | ||
| Average total assets | $61,556,330 | 4,843 |
| Average earning assets | $58,452,330 | 4,805 |
| Average equity | $6,668,330 | 4,895 |
| Average total loans | $36,549,330 | 4,734 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7674% | 4,305 |
| Cost of funding earning assets | 0.2359% | 4,793 |
| Net interest margin | 3.5315% | 3,421 |
| Noninterest income to average assets | 0.4789% | 2,948 |
| Noninterest expense to average assets | 3.1480% | 1,695 |
| Loan and lease loss provision to assets | 0.0064% | 3,424 |
| Net operating income to assets | 0.6705% | 4,210 |
| Return on assets (ROA) | 0.6705% | 4,211 |
| Pretax return on assets | 0.6705% | 4,519 |
| Return on Equity (ROE) | 6.3049% | 4,055 |
| Retained earnings to average equity (ytd only) | 4.0231% | 3,586 |
| Net charge-offs to loans | 0.0109% | 2,355 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 106.0000% | 589 |
| Efficiency ratio | 82.3038% | 922 |
| Assets per employee ($millions) | 4.4296% | 3,280 |
| Cash dividends to net income (ytd only)* | 36.1905% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 2,823 |
| Loan loss allowance to noncurrent loans | 99.7743% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 0.7144% | 2,179 |
| Noncurrent loans to loans | 1.1990% | 1,519 |
| Net loans and leases to total assets | 58.8641% | 3,865 |
| Net loans and leases to deposits | 66.4240% | 4,058 |
| Net loans and leases to core deposits | 67.6100% | 4,236 |
| Total domestic deposits to total assets | 88.6187% | 1,298 |
| Equity capital to assets | 10.6702% | 2,896 |
| Core capital (leverage) ratio | 11.3508% | 2,122 |
| Tier 1 risk-based capital ratio | 23.1158% | 930 |
| Total risk-based capital ratio | 24.3659% | 904 |
| Memoranda: | ||
| Average total assets | $62,643,000 | 4,879 |
| Average earning assets | $59,352,000 | 4,842 |
| Average equity | $6,661,500 | 4,950 |
| Average total loans | $36,809,500 | 4,785 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7935% | 4,066 |
| Cost of funding earning assets | 0.2931% | 4,203 |
| Net interest margin | 3.5004% | 3,529 |
| Noninterest income to average assets | 0.4673% | 3,211 |
| Noninterest expense to average assets | 3.1995% | 1,612 |
| Loan and lease loss provision to assets | -0.0016% | 5,286 |
| Net operating income to assets | 0.6029% | 3,996 |
| Return on assets (ROA) | 0.6029% | 4,035 |
| Pretax return on assets | 0.6029% | 4,734 |
| Return on Equity (ROE) | 5.5224% | 3,950 |
| Retained earnings to average equity (ytd only) | 0.8474% | 4,694 |
| Net charge-offs to loans | -0.0027% | 4,556 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1796% | 755 |
| Assets per employee ($millions) | 4.2181% | 3,627 |
| Cash dividends to net income (ytd only)* | 84.6561% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2052% | 2,741 |
| Loan loss allowance to noncurrent loans | 1,194.5946% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 4,838 |
| Noncurrent loans to loans | 0.1009% | 4,535 |
| Net loans and leases to total assets | 57.2623% | 4,082 |
| Net loans and leases to deposits | 64.8070% | 4,273 |
| Net loans and leases to core deposits | 66.0042% | 4,413 |
| Total domestic deposits to total assets | 88.3582% | 1,326 |
| Equity capital to assets | 10.5987% | 3,053 |
| Core capital (leverage) ratio | 11.0446% | 2,296 |
| Tier 1 risk-based capital ratio | 22.8799% | 922 |
| Total risk-based capital ratio | 24.1293% | 909 |
| Memoranda: | ||
| Average total assets | $62,697,000 | 4,910 |
| Average earning assets | $59,707,400 | 4,864 |
| Average equity | $6,844,800 | 4,966 |
| Average total loans | $37,008,400 | 4,820 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7686% | 4,110 |
| Cost of funding earning assets | 0.3038% | 4,093 |
| Net interest margin | 3.4648% | 3,623 |
| Noninterest income to average assets | 0.4647% | 3,248 |
| Noninterest expense to average assets | 3.1737% | 1,626 |
| Loan and lease loss provision to assets | -0.0128% | 5,463 |
| Net operating income to assets | 0.6096% | 4,354 |
| Return on assets (ROA) | 0.6096% | 4,396 |
| Pretax return on assets | 0.6096% | 4,825 |
| Return on Equity (ROE) | 5.5428% | 4,302 |
| Retained earnings to average equity (ytd only) | 3.3335% | 3,944 |
| Net charge-offs to loans | -0.0216% | 4,872 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1718% | 740 |
| Assets per employee ($millions) | 4.1440% | 3,752 |
| Cash dividends to net income (ytd only)* | 39.8615% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 2,976 |
| Loan loss allowance to noncurrent loans | 177.5100% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.4006% | 3,428 |
| Noncurrent loans to loans | 0.6712% | 2,694 |
| Net loans and leases to total assets | 58.9720% | 3,967 |
| Net loans and leases to deposits | 67.0624% | 4,177 |
| Net loans and leases to core deposits | 68.3275% | 4,345 |
| Total domestic deposits to total assets | 87.9360% | 1,402 |
| Equity capital to assets | 11.3465% | 2,525 |
| Core capital (leverage) ratio | 11.3594% | 2,134 |
| Tier 1 risk-based capital ratio | 23.3936% | 909 |
| Total risk-based capital ratio | 24.6438% | 892 |
| Memoranda: | ||
| Average total assets | $62,553,250 | 4,964 |
| Average earning assets | $59,684,500 | 4,920 |
| Average equity | $6,879,500 | 5,014 |
| Average total loans | $37,092,250 | 4,868 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7385% | 4,108 |
| Cost of funding earning assets | 0.3311% | 3,779 |
| Net interest margin | 3.4075% | 3,742 |
| Noninterest income to average assets | 0.4754% | 3,177 |
| Noninterest expense to average assets | 3.2448% | 1,490 |
| Loan and lease loss provision to assets | -0.0096% | 5,544 |
| Net operating income to assets | 0.4914% | 4,728 |
| Return on assets (ROA) | 0.4914% | 4,763 |
| Pretax return on assets | 0.4914% | 5,018 |
| Return on Equity (ROE) | 4.5150% | 4,658 |
| Retained earnings to average equity (ytd only) | 2.2868% | 4,312 |
| Net charge-offs to loans | -0.0162% | 4,694 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0719% | 600 |
| Assets per employee ($millions) | 4.1073% | 3,775 |
| Cash dividends to net income (ytd only)* | 49.3506% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 3,009 |
| Loan loss allowance to noncurrent loans | 405.5046% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.1964% | 4,390 |
| Noncurrent loans to loans | 0.2963% | 3,981 |
| Net loans and leases to total assets | 58.9937% | 3,923 |
| Net loans and leases to deposits | 66.9602% | 4,146 |
| Net loans and leases to core deposits | 68.2298% | 4,334 |
| Total domestic deposits to total assets | 88.1026% | 1,409 |
| Equity capital to assets | 11.2514% | 2,541 |
| Core capital (leverage) ratio | 11.0073% | 2,395 |
| Tier 1 risk-based capital ratio | 23.3376% | 908 |
| Total risk-based capital ratio | 24.5915% | 895 |
| Memoranda: | ||
| Average total assets | $62,684,330 | 5,001 |
| Average earning assets | $59,809,670 | 4,955 |
| Average equity | $6,821,670 | 5,050 |
| Average total loans | $37,090,000 | 4,896 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6525% | 4,271 |
| Cost of funding earning assets | 0.3513% | 3,515 |
| Net interest margin | 3.3012% | 4,004 |
| Noninterest income to average assets | 0.4998% | 2,980 |
| Noninterest expense to average assets | 3.1951% | 1,619 |
| Loan and lease loss provision to assets | 0.0063% | 3,484 |
| Net operating income to assets | 0.4492% | 4,781 |
| Return on assets (ROA) | 0.4492% | 4,802 |
| Pretax return on assets | 0.4492% | 5,061 |
| Return on Equity (ROE) | 4.1971% | 4,712 |
| Retained earnings to average equity (ytd only) | 1.9508% | 4,348 |
| Net charge-offs to loans | 0.0107% | 2,603 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 707 |
| Efficiency ratio | 87.5217% | 695 |
| Assets per employee ($millions) | 4.2257% | 3,622 |
| Cash dividends to net income (ytd only)* | 53.5211% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 3,188 |
| Loan loss allowance to noncurrent loans | 365.2893% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 4,487 |
| Noncurrent loans to loans | 0.3261% | 3,954 |
| Net loans and leases to total assets | 57.8330% | 3,992 |
| Net loans and leases to deposits | 67.5101% | 4,039 |
| Net loans and leases to core deposits | 68.7871% | 4,237 |
| Total domestic deposits to total assets | 85.6656% | 2,809 |
| Equity capital to assets | 10.7721% | 2,888 |
| Core capital (leverage) ratio | 11.0216% | 2,341 |
| Tier 1 risk-based capital ratio | 22.6908% | 1,016 |
| Total risk-based capital ratio | 23.9409% | 993 |
| Memoranda: | ||
| Average total assets | $63,221,500 | 5,046 |
| Average earning assets | $60,342,000 | 4,992 |
| Average equity | $6,766,500 | 5,111 |
| Average total loans | $37,241,000 | 4,937 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7474% | 4,061 |
| Cost of funding earning assets | 0.3890% | 3,112 |
| Net interest margin | 3.3584% | 3,964 |
| Noninterest income to average assets | 0.4384% | 3,629 |
| Noninterest expense to average assets | 3.0593% | 2,143 |
| Loan and lease loss provision to assets | 0.0313% | 3,729 |
| Net operating income to assets | 0.5511% | 4,430 |
| Return on assets (ROA) | 0.5511% | 4,530 |
| Pretax return on assets | 0.5511% | 4,919 |
| Return on Equity (ROE) | 5.0668% | 4,406 |
| Retained earnings to average equity (ytd only) | 0.5038% | 5,130 |
| Net charge-offs to loans | 0.0521% | 2,998 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 18.6000% | 1,958 |
| Efficiency ratio | 84.0069% | 1,009 |
| Assets per employee ($millions) | 4.2038% | 3,615 |
| Cash dividends to net income (ytd only)* | 90.0568% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 3,229 |
| Loan loss allowance to noncurrent loans | 460.4167% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.1522% | 4,712 |
| Noncurrent loans to loans | 0.2568% | 4,234 |
| Net loans and leases to total assets | 58.5819% | 4,013 |
| Net loans and leases to deposits | 68.7742% | 4,027 |
| Net loans and leases to core deposits | 70.1561% | 4,231 |
| Total domestic deposits to total assets | 85.1801% | 2,966 |
| Equity capital to assets | 10.6332% | 2,995 |
| Core capital (leverage) ratio | 10.9174% | 2,427 |
| Tier 1 risk-based capital ratio | 22.4188% | 1,028 |
| Total risk-based capital ratio | 23.6693% | 1,008 |
| Memoranda: | ||
| Average total assets | $63,870,400 | 5,052 |
| Average earning assets | $60,921,600 | 4,996 |
| Average equity | $6,947,200 | 5,101 |
| Average total loans | $38,365,600 | 4,933 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7466% | 4,090 |
| Cost of funding earning assets | 0.3950% | 3,068 |
| Net interest margin | 3.3517% | 4,023 |
| Noninterest income to average assets | 0.4224% | 3,751 |
| Noninterest expense to average assets | 3.0360% | 2,211 |
| Loan and lease loss provision to assets | 0.0666% | 2,893 |
| Net operating income to assets | 0.5161% | 4,641 |
| Return on assets (ROA) | 0.5161% | 4,742 |
| Pretax return on assets | 0.5161% | 5,091 |
| Return on Equity (ROE) | 4.7185% | 4,631 |
| Retained earnings to average equity (ytd only) | 2.5305% | 4,402 |
| Net charge-offs to loans | 0.1105% | 1,837 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 8.7490% | 2,737 |
| Efficiency ratio | 83.8988% | 1,000 |
| Assets per employee ($millions) | 4.1689% | 3,656 |
| Cash dividends to net income (ytd only)* | 46.3709% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 3,527 |
| Loan loss allowance to noncurrent loans | 223.2323% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.3166% | 4,143 |
| Noncurrent loans to loans | 0.5166% | 3,447 |
| Net loans and leases to total assets | 60.5792% | 3,808 |
| Net loans and leases to deposits | 71.8987% | 3,817 |
| Net loans and leases to core deposits | 73.3678% | 4,051 |
| Total domestic deposits to total assets | 84.2563% | 3,121 |
| Equity capital to assets | 11.4771% | 2,531 |
| Core capital (leverage) ratio | 10.9620% | 2,488 |
| Tier 1 risk-based capital ratio | 22.2879% | 1,095 |
| Total risk-based capital ratio | 23.5391% | 1,080 |
| Memoranda: | ||
| Average total assets | $64,073,750 | 5,095 |
| Average earning assets | $61,102,500 | 5,037 |
| Average equity | $7,007,750 | 5,140 |
| Average total loans | $38,611,500 | 4,972 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7042% | 4,288 |
| Cost of funding earning assets | 0.3997% | 3,049 |
| Net interest margin | 3.3045% | 4,216 |
| Noninterest income to average assets | 0.4273% | 3,672 |
| Noninterest expense to average assets | 3.0099% | 2,313 |
| Loan and lease loss provision to assets | 0.1146% | 1,972 |
| Net operating income to assets | 0.4521% | 4,861 |
| Return on assets (ROA) | 0.4521% | 4,951 |
| Pretax return on assets | 0.4521% | 5,244 |
| Return on Equity (ROE) | 4.2006% | 4,835 |
| Retained earnings to average equity (ytd only) | 1.9852% | 4,572 |
| Net charge-offs to loans | 0.1912% | 1,198 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 4.9459% | 2,916 |
| Efficiency ratio | 84.1558% | 1,035 |
| Assets per employee ($millions) | 4.2619% | 3,447 |
| Cash dividends to net income (ytd only)* | 52.7397% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 3,701 |
| Loan loss allowance to noncurrent loans | 345.3125% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.2284% | 4,581 |
| Noncurrent loans to loans | 0.3309% | 4,181 |
| Net loans and leases to total assets | 59.8195% | 3,906 |
| Net loans and leases to deposits | 70.9420% | 3,895 |
| Net loans and leases to core deposits | 72.3554% | 4,141 |
| Total domestic deposits to total assets | 84.3217% | 3,150 |
| Equity capital to assets | 11.2343% | 2,815 |
| Core capital (leverage) ratio | 10.3813% | 3,098 |
| Tier 1 risk-based capital ratio | 21.9120% | 1,144 |
| Total risk-based capital ratio | 23.1630% | 1,127 |
| Memoranda: | ||
| Average total assets | $64,587,330 | 5,132 |
| Average earning assets | $61,551,670 | 5,080 |
| Average equity | $6,951,330 | 5,204 |
| Average total loans | $38,707,330 | 5,018 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6875% | 4,367 |
| Cost of funding earning assets | 0.4011% | 3,053 |
| Net interest margin | 3.2864% | 4,275 |
| Noninterest income to average assets | 0.4436% | 3,527 |
| Noninterest expense to average assets | 3.0624% | 2,205 |
| Loan and lease loss provision to assets | -0.0185% | 5,905 |
| Net operating income to assets | 0.5299% | 4,505 |
| Return on assets (ROA) | 0.5299% | 4,613 |
| Pretax return on assets | 0.5299% | 5,008 |
| Return on Equity (ROE) | 5.0322% | 4,471 |
| Retained earnings to average equity (ytd only) | 2.8087% | 4,113 |
| Net charge-offs to loans | -0.0310% | 5,080 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6897% | 1,003 |
| Assets per employee ($millions) | 4.3323% | 3,358 |
| Cash dividends to net income (ytd only)* | 44.1860% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 3,784 |
| Loan loss allowance to noncurrent loans | 193.0131% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3524% | 4,156 |
| Noncurrent loans to loans | 0.5946% | 3,406 |
| Net loans and leases to total assets | 58.5867% | 3,980 |
| Net loans and leases to deposits | 69.2344% | 3,928 |
| Net loans and leases to core deposits | 70.5834% | 4,191 |
| Total domestic deposits to total assets | 84.6208% | 3,271 |
| Equity capital to assets | 10.7057% | 3,251 |
| Core capital (leverage) ratio | 10.4358% | 3,029 |
| Tier 1 risk-based capital ratio | 21.6896% | 1,204 |
| Total risk-based capital ratio | 22.9412% | 1,187 |
| Memoranda: | ||
| Average total assets | $64,916,500 | 5,183 |
| Average earning assets | $61,830,500 | 5,119 |
| Average equity | $6,836,000 | 5,265 |
| Average total loans | $38,719,000 | 5,057 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8368% | 3,925 |
| Cost of funding earning assets | 0.4340% | 2,803 |
| Net interest margin | 3.4028% | 3,903 |
| Noninterest income to average assets | 0.4675% | 3,546 |
| Noninterest expense to average assets | 3.0883% | 2,275 |
| Loan and lease loss provision to assets | 0.0250% | 3,885 |
| Net operating income to assets | 0.5911% | 4,319 |
| Return on assets (ROA) | 0.5911% | 4,414 |
| Pretax return on assets | 0.5911% | 4,867 |
| Return on Equity (ROE) | 5.5523% | 4,258 |
| Retained earnings to average equity (ytd only) | 0.8960% | 5,164 |
| Net charge-offs to loans | 0.0406% | 3,414 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 24.6250% | 1,661 |
| Efficiency ratio | 83.3685% | 1,241 |
| Assets per employee ($millions) | 4.3233% | 3,353 |
| Cash dividends to net income (ytd only)* | 83.8624% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 3,832 |
| Loan loss allowance to noncurrent loans | 205.5814% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.3315% | 4,253 |
| Noncurrent loans to loans | 0.5524% | 3,513 |
| Net loans and leases to total assets | 59.3409% | 3,929 |
| Net loans and leases to deposits | 70.3330% | 3,888 |
| Net loans and leases to core deposits | 71.7774% | 4,155 |
| Total domestic deposits to total assets | 84.3714% | 3,342 |
| Equity capital to assets | 10.3548% | 3,565 |
| Core capital (leverage) ratio | 10.4886% | 2,949 |
| Tier 1 risk-based capital ratio | 21.2967% | 1,252 |
| Total risk-based capital ratio | 22.5463% | 1,236 |
| Memoranda: | ||
| Average total assets | $63,951,600 | 5,224 |
| Average earning assets | $60,831,400 | 5,168 |
| Average equity | $6,808,000 | 5,277 |
| Average total loans | $39,454,800 | 5,036 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8380% | 3,969 |
| Cost of funding earning assets | 0.4355% | 2,845 |
| Net interest margin | 3.4025% | 3,948 |
| Noninterest income to average assets | 0.4707% | 3,564 |
| Noninterest expense to average assets | 3.0462% | 2,380 |
| Loan and lease loss provision to assets | 0.0084% | 4,097 |
| Net operating income to assets | 0.6528% | 4,116 |
| Return on assets (ROA) | 0.6528% | 4,226 |
| Pretax return on assets | 0.6528% | 4,818 |
| Return on Equity (ROE) | 6.0895% | 4,112 |
| Retained earnings to average equity (ytd only) | 3.8450% | 3,733 |
| Net charge-offs to loans | 0.0135% | 3,703 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 79.0469% | 749 |
| Efficiency ratio | 82.1670% | 1,374 |
| Assets per employee ($millions) | 3.9678% | 3,937 |
| Cash dividends to net income (ytd only)* | 36.8591% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 4,086 |
| Loan loss allowance to noncurrent loans | 131.5476% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.5293% | 3,726 |
| Noncurrent loans to loans | 0.8554% | 2,834 |
| Net loans and leases to total assets | 61.1751% | 3,709 |
| Net loans and leases to deposits | 73.2097% | 3,628 |
| Net loans and leases to core deposits | 74.7584% | 3,930 |
| Total domestic deposits to total assets | 83.5615% | 3,586 |
| Equity capital to assets | 11.0310% | 2,985 |
| Core capital (leverage) ratio | 10.9297% | 2,567 |
| Tier 1 risk-based capital ratio | 21.4473% | 1,273 |
| Total risk-based capital ratio | 22.6998% | 1,252 |
| Memoranda: | ||
| Average total assets | $63,727,250 | 5,291 |
| Average earning assets | $60,620,250 | 5,229 |
| Average equity | $6,831,250 | 5,341 |
| Average total loans | $39,587,500 | 5,083 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8209% | 3,988 |
| Cost of funding earning assets | 0.4385% | 2,858 |
| Net interest margin | 3.3824% | 3,962 |
| Noninterest income to average assets | 0.4639% | 3,603 |
| Noninterest expense to average assets | 3.1344% | 2,156 |
| Loan and lease loss provision to assets | 0.0313% | 3,495 |
| Net operating income to assets | 0.5140% | 4,708 |
| Return on assets (ROA) | 0.5140% | 4,817 |
| Pretax return on assets | 0.5140% | 5,188 |
| Return on Equity (ROE) | 4.8420% | 4,688 |
| Retained earnings to average equity (ytd only) | 2.5686% | 4,421 |
| Net charge-offs to loans | 0.0504% | 2,706 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 17.4000% | 1,858 |
| Efficiency ratio | 85.1789% | 1,133 |
| Assets per employee ($millions) | 3.9309% | 4,014 |
| Cash dividends to net income (ytd only)* | 46.9512% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 4,223 |
| Loan loss allowance to noncurrent loans | 72.1044% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 0.9746% | 2,580 |
| Noncurrent loans to loans | 1.5542% | 1,704 |
| Net loans and leases to total assets | 62.0081% | 3,548 |
| Net loans and leases to deposits | 74.3962% | 3,445 |
| Net loans and leases to core deposits | 75.9864% | 3,768 |
| Total domestic deposits to total assets | 83.3484% | 3,814 |
| Equity capital to assets | 10.7862% | 3,129 |
| Core capital (leverage) ratio | 10.6147% | 2,833 |
| Tier 1 risk-based capital ratio | 21.2293% | 1,320 |
| Total risk-based capital ratio | 22.4796% | 1,298 |
| Memoranda: | ||
| Average total assets | $63,808,000 | 5,353 |
| Average earning assets | $60,667,000 | 5,290 |
| Average equity | $6,774,000 | 5,397 |
| Average total loans | $39,690,330 | 5,128 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7554% | 4,180 |
| Cost of funding earning assets | 0.4441% | 2,838 |
| Net interest margin | 3.3113% | 4,167 |
| Noninterest income to average assets | 0.4668% | 3,522 |
| Noninterest expense to average assets | 2.9752% | 2,662 |
| Loan and lease loss provision to assets | 0.0124% | 3,563 |
| Net operating income to assets | 0.6349% | 4,119 |
| Return on assets (ROA) | 0.6349% | 4,241 |
| Pretax return on assets | 0.6349% | 4,810 |
| Return on Equity (ROE) | 6.0275% | 4,024 |
| Retained earnings to average equity (ytd only) | 3.7229% | 3,776 |
| Net charge-offs to loans | 0.0201% | 2,749 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 814 |
| Efficiency ratio | 82.1306% | 1,599 |
| Assets per employee ($millions) | 4.0760% | 3,810 |
| Cash dividends to net income (ytd only)* | 38.2353% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 4,397 |
| Loan loss allowance to noncurrent loans | 59.7297% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 1.1347% | 2,371 |
| Noncurrent loans to loans | 1.8835% | 1,425 |
| Net loans and leases to total assets | 59.5651% | 3,717 |
| Net loans and leases to deposits | 71.1909% | 3,625 |
| Net loans and leases to core deposits | 72.6474% | 3,900 |
| Total domestic deposits to total assets | 83.6697% | 3,946 |
| Equity capital to assets | 10.5204% | 3,510 |
| Core capital (leverage) ratio | 10.4744% | 3,001 |
| Tier 1 risk-based capital ratio | 20.7334% | 1,474 |
| Total risk-based capital ratio | 21.9827% | 1,444 |
| Memoranda: | ||
| Average total assets | $64,264,500 | 5,389 |
| Average earning assets | $61,244,500 | 5,322 |
| Average equity | $6,769,000 | 5,445 |
| Average total loans | $39,814,500 | 5,146 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0151% | 3,674 |
| Cost of funding earning assets | 0.5166% | 2,518 |
| Net interest margin | 3.4985% | 3,805 |
| Noninterest income to average assets | 0.4847% | 3,622 |
| Noninterest expense to average assets | 3.1213% | 2,447 |
| Loan and lease loss provision to assets | 0.0742% | 3,000 |
| Net operating income to assets | 0.6142% | 4,305 |
| Return on assets (ROA) | 0.6142% | 4,403 |
| Pretax return on assets | 0.6142% | 4,898 |
| Return on Equity (ROE) | 5.8344% | 4,237 |
| Retained earnings to average equity (ytd only) | 1.2299% | 5,229 |
| Net charge-offs to loans | 0.0863% | 3,256 |
| Credit loss provision to net charge-offs | 134.2857% | 1,765 |
| Earnings coverage of net charge-offs (x) | 12.4571% | 2,370 |
| Efficiency ratio | 81.9312% | 1,672 |
| Assets per employee ($millions) | 3.9571% | 4,049 |
| Cash dividends to net income (ytd only)* | 78.9203% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 4,558 |
| Loan loss allowance to noncurrent loans | 66.8684% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 1.0503% | 2,642 |
| Noncurrent loans to loans | 1.6385% | 1,788 |
| Net loans and leases to total assets | 63.0187% | 3,359 |
| Net loans and leases to deposits | 76.0459% | 3,194 |
| Net loans and leases to core deposits | 77.7410% | 3,544 |
| Total domestic deposits to total assets | 82.8692% | 4,122 |
| Equity capital to assets | 10.5460% | 3,420 |
| Core capital (leverage) ratio | 10.6366% | 2,796 |
| Tier 1 risk-based capital ratio | 20.5629% | 1,498 |
| Total risk-based capital ratio | 21.8134% | 1,469 |
| Memoranda: | ||
| Average total assets | $63,338,800 | 5,466 |
| Average earning assets | $60,197,400 | 5,388 |
| Average equity | $6,667,400 | 5,489 |
| Average total loans | $40,539,800 | 5,157 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0235% | 3,669 |
| Cost of funding earning assets | 0.5295% | 2,470 |
| Net interest margin | 3.4940% | 3,860 |
| Noninterest income to average assets | 0.4778% | 3,703 |
| Noninterest expense to average assets | 3.1151% | 2,428 |
| Loan and lease loss provision to assets | 0.1052% | 2,280 |
| Net operating income to assets | 0.5767% | 4,556 |
| Return on assets (ROA) | 0.5767% | 4,638 |
| Pretax return on assets | 0.5767% | 5,100 |
| Return on Equity (ROE) | 5.4812% | 4,500 |
| Retained earnings to average equity (ytd only) | 3.2008% | 4,352 |
| Net charge-offs to loans | 0.1248% | 2,556 |
| Credit loss provision to net charge-offs | 131.5789% | 1,760 |
| Earnings coverage of net charge-offs (x) | 8.5256% | 2,782 |
| Efficiency ratio | 82.0399% | 1,620 |
| Assets per employee ($millions) | 3.9082% | 4,068 |
| Cash dividends to net income (ytd only)* | 41.6074% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 4,821 |
| Loan loss allowance to noncurrent loans | 60.8815% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 1.1610% | 2,625 |
| Noncurrent loans to loans | 1.7816% | 1,819 |
| Net loans and leases to total assets | 64.4608% | 3,118 |
| Net loans and leases to deposits | 78.1663% | 2,934 |
| Net loans and leases to core deposits | 80.7306% | 3,223 |
| Total domestic deposits to total assets | 82.4663% | 4,310 |
| Equity capital to assets | 10.8154% | 3,160 |
| Core capital (leverage) ratio | 10.8111% | 2,684 |
| Tier 1 risk-based capital ratio | 20.5398% | 1,543 |
| Total risk-based capital ratio | 21.7897% | 1,508 |
| Memoranda: | ||
| Average total assets | $63,345,250 | 5,525 |
| Average earning assets | $60,177,750 | 5,449 |
| Average equity | $6,665,000 | 5,540 |
| Average total loans | $40,589,500 | 5,212 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0371% | 3,595 |
| Cost of funding earning assets | 0.5299% | 2,542 |
| Net interest margin | 3.5072% | 3,758 |
| Noninterest income to average assets | 0.4559% | 3,825 |
| Noninterest expense to average assets | 3.1407% | 2,356 |
| Loan and lease loss provision to assets | 0.0534% | 3,230 |
| Net operating income to assets | 0.5910% | 4,400 |
| Return on assets (ROA) | 0.5910% | 4,495 |
| Pretax return on assets | 0.5910% | 4,980 |
| Return on Equity (ROE) | 5.6692% | 4,345 |
| Retained earnings to average equity (ytd only) | 3.3774% | 4,052 |
| Net charge-offs to loans | 0.0247% | 3,705 |
| Credit loss provision to net charge-offs | 340.0000% | 779 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 1,037 |
| Efficiency ratio | 82.9734% | 1,635 |
| Assets per employee ($millions) | 3.9803% | 3,883 |
| Cash dividends to net income (ytd only)* | 40.4255% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 4,968 |
| Loan loss allowance to noncurrent loans | 93.8429% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 0.7757% | 3,645 |
| Noncurrent loans to loans | 1.1552% | 2,916 |
| Net loans and leases to total assets | 63.3267% | 3,191 |
| Net loans and leases to deposits | 76.6711% | 2,970 |
| Net loans and leases to core deposits | 79.2209% | 3,300 |
| Total domestic deposits to total assets | 82.5953% | 4,448 |
| Equity capital to assets | 10.5804% | 3,338 |
| Core capital (leverage) ratio | 10.5395% | 2,896 |
| Tier 1 risk-based capital ratio | 20.4842% | 1,572 |
| Total risk-based capital ratio | 21.7337% | 1,539 |
| Memoranda: | ||
| Average total assets | $63,616,670 | 5,569 |
| Average earning assets | $60,390,000 | 5,492 |
| Average equity | $6,632,330 | 5,574 |
| Average total loans | $40,536,000 | 5,252 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 3,487 |
| Cost of funding earning assets | 0.5299% | 2,605 |
| Net interest margin | 3.5174% | 3,615 |
| Noninterest income to average assets | 0.4404% | 3,869 |
| Noninterest expense to average assets | 3.1958% | 2,251 |
| Loan and lease loss provision to assets | 0.0189% | 3,582 |
| Net operating income to assets | 0.5662% | 4,374 |
| Return on assets (ROA) | 0.5662% | 4,452 |
| Pretax return on assets | 0.5662% | 4,954 |
| Return on Equity (ROE) | 5.4715% | 4,290 |
| Retained earnings to average equity (ytd only) | 3.1613% | 4,231 |
| Net charge-offs to loans | 0.0297% | 2,989 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,026 |
| Efficiency ratio | 84.5258% | 1,610 |
| Assets per employee ($millions) | 4.0204% | 3,912 |
| Cash dividends to net income (ytd only)* | 42.2222% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 5,244 |
| Loan loss allowance to noncurrent loans | 182.2034% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.3669% | 5,061 |
| Noncurrent loans to loans | 0.5875% | 4,398 |
| Net loans and leases to total assets | 61.7812% | 3,274 |
| Net loans and leases to deposits | 74.7916% | 2,969 |
| Net loans and leases to core deposits | 76.4269% | 3,368 |
| Total domestic deposits to total assets | 82.6045% | 4,751 |
| Equity capital to assets | 10.2958% | 3,480 |
| Core capital (leverage) ratio | 10.6133% | 2,794 |
| Tier 1 risk-based capital ratio | 20.5462% | 1,573 |
| Total risk-based capital ratio | 21.7982% | 1,544 |
| Memoranda: | ||
| Average total assets | $63,583,000 | 5,629 |
| Average earning assets | $60,386,000 | 5,552 |
| Average equity | $6,579,500 | 5,623 |
| Average total loans | $40,418,500 | 5,301 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0792% | 3,820 |
| Cost of funding earning assets | 0.5945% | 2,717 |
| Net interest margin | 3.4846% | 3,963 |
| Noninterest income to average assets | 0.4717% | 3,948 |
| Noninterest expense to average assets | 3.3192% | 2,095 |
| Loan and lease loss provision to assets | 0.1787% | 2,068 |
| Net operating income to assets | 0.2805% | 5,590 |
| Return on assets (ROA) | 0.3197% | 5,553 |
| Pretax return on assets | 0.3197% | 5,676 |
| Return on Equity (ROE) | 3.0215% | 5,499 |
| Retained earnings to average equity (ytd only) | 0.0296% | 5,838 |
| Net charge-offs to loans | 0.2942% | 2,217 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.5702% | 4,147 |
| Efficiency ratio | 87.8474% | 1,234 |
| Assets per employee ($millions) | 3.9274% | 4,010 |
| Cash dividends to net income (ytd only)* | 99.0196% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 5,315 |
| Loan loss allowance to noncurrent loans | 117.4863% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.5999% | 4,437 |
| Noncurrent loans to loans | 0.9000% | 3,737 |
| Net loans and leases to total assets | 64.0287% | 3,043 |
| Net loans and leases to deposits | 78.2082% | 2,698 |
| Net loans and leases to core deposits | 80.0553% | 3,127 |
| Total domestic deposits to total assets | 81.8695% | 4,919 |
| Equity capital to assets | 10.4012% | 3,285 |
| Core capital (leverage) ratio | 10.4286% | 2,988 |
| Tier 1 risk-based capital ratio | 20.4365% | 1,552 |
| Total risk-based capital ratio | 21.6884% | 1,522 |
| Memoranda: | ||
| Average total assets | $63,811,400 | 5,655 |
| Average earning assets | $60,551,400 | 5,574 |
| Average equity | $6,751,600 | 5,631 |
| Average total loans | $38,743,400 | 5,406 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0849% | 3,827 |
| Cost of funding earning assets | 0.6058% | 2,764 |
| Net interest margin | 3.4791% | 3,968 |
| Noninterest income to average assets | 0.4767% | 3,959 |
| Noninterest expense to average assets | 3.2617% | 2,172 |
| Loan and lease loss provision to assets | 0.2227% | 1,634 |
| Net operating income to assets | 0.2914% | 5,644 |
| Return on assets (ROA) | 0.3434% | 5,581 |
| Pretax return on assets | 0.3434% | 5,763 |
| Return on Equity (ROE) | 3.2325% | 5,521 |
| Retained earnings to average equity (ytd only) | 0.9796% | 5,587 |
| Net charge-offs to loans | 0.3728% | 1,708 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 2.3085% | 4,067 |
| Efficiency ratio | 86.3837% | 1,332 |
| Assets per employee ($millions) | 3.7226% | 4,409 |
| Cash dividends to net income (ytd only)* | 69.6986% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0706% | 5,442 |
| Loan loss allowance to noncurrent loans | 380.5310% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 5,908 |
| Noncurrent loans to loans | 0.2813% | 5,527 |
| Net loans and leases to total assets | 62.7890% | 3,203 |
| Net loans and leases to deposits | 79.3609% | 2,499 |
| Net loans and leases to core deposits | 81.2846% | 2,965 |
| Total domestic deposits to total assets | 79.1183% | 5,724 |
| Equity capital to assets | 10.5301% | 3,243 |
| Core capital (leverage) ratio | 10.5371% | 2,966 |
| Tier 1 risk-based capital ratio | 20.5105% | 1,601 |
| Total risk-based capital ratio | 21.7611% | 1,573 |
| Memoranda: | ||
| Average total assets | $64,054,500 | 5,706 |
| Average earning assets | $60,742,000 | 5,634 |
| Average equity | $6,805,500 | 5,691 |
| Average total loans | $38,263,000 | 5,472 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0609% | 3,876 |
| Cost of funding earning assets | 0.6172% | 2,788 |
| Net interest margin | 3.4437% | 4,026 |
| Noninterest income to average assets | 0.4665% | 4,045 |
| Noninterest expense to average assets | 3.3245% | 2,007 |
| Loan and lease loss provision to assets | 0.0466% | 4,041 |
| Net operating income to assets | 0.3576% | 5,375 |
| Return on assets (ROA) | 0.4354% | 5,244 |
| Pretax return on assets | 0.4354% | 5,563 |
| Return on Equity (ROE) | 4.0860% | 5,186 |
| Retained earnings to average equity (ytd only) | 1.8387% | 5,099 |
| Net charge-offs to loans | 0.0797% | 3,580 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,374 |
| Efficiency ratio | 89.1576% | 1,118 |
| Assets per employee ($millions) | 3.5239% | 4,806 |
| Cash dividends to net income (ytd only)* | 55.0000% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 5,450 |
| Loan loss allowance to noncurrent loans | 294.5205% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 5,793 |
| Noncurrent loans to loans | 0.3729% | 5,343 |
| Net loans and leases to total assets | 61.0452% | 3,473 |
| Net loans and leases to deposits | 77.2936% | 2,676 |
| Net loans and leases to core deposits | 79.1614% | 3,138 |
| Total domestic deposits to total assets | 78.9784% | 5,806 |
| Equity capital to assets | 10.4777% | 3,332 |
| Core capital (leverage) ratio | 10.4733% | 2,914 |
| Tier 1 risk-based capital ratio | 20.9683% | 1,501 |
| Total risk-based capital ratio | 22.2195% | 1,475 |
| Memoranda: | ||
| Average total assets | $64,311,000 | 5,742 |
| Average earning assets | $60,922,670 | 5,666 |
| Average equity | $6,852,670 | 5,723 |
| Average total loans | $37,628,670 | 5,519 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0335% | 3,986 |
| Cost of funding earning assets | 0.6210% | 2,913 |
| Net interest margin | 3.4124% | 4,071 |
| Noninterest income to average assets | 0.4757% | 3,949 |
| Noninterest expense to average assets | 3.3482% | 1,961 |
| Loan and lease loss provision to assets | 0.0371% | 3,979 |
| Net operating income to assets | 0.3151% | 5,515 |
| Return on assets (ROA) | 0.4695% | 4,992 |
| Pretax return on assets | 0.4695% | 5,359 |
| Return on Equity (ROE) | 4.3703% | 4,915 |
| Retained earnings to average equity (ytd only) | 2.1852% | 4,910 |
| Net charge-offs to loans | 0.0651% | 3,172 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,824 |
| Efficiency ratio | 90.4841% | 1,101 |
| Assets per employee ($millions) | 3.5975% | 4,787 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 5,291 |
| Loan loss allowance to noncurrent loans | 341.2698% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 5,986 |
| Noncurrent loans to loans | 0.3444% | 5,540 |
| Net loans and leases to total assets | 55.8289% | 4,113 |
| Net loans and leases to deposits | 68.9608% | 3,642 |
| Net loans and leases to core deposits | 70.5487% | 4,001 |
| Total domestic deposits to total assets | 80.9575% | 5,513 |
| Equity capital to assets | 10.7065% | 3,310 |
| Core capital (leverage) ratio | 10.3658% | 2,946 |
| Tier 1 risk-based capital ratio | 21.4534% | 1,437 |
| Total risk-based capital ratio | 22.7037% | 1,407 |
| Memoranda: | ||
| Average total assets | $64,751,500 | 5,784 |
| Average earning assets | $61,188,000 | 5,704 |
| Average equity | $6,956,000 | 5,752 |
| Average total loans | $36,867,500 | 5,580 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2179% | 4,519 |
| Cost of funding earning assets | 0.7348% | 3,208 |
| Net interest margin | 3.4831% | 4,575 |
| Noninterest income to average assets | 0.4406% | 4,317 |
| Noninterest expense to average assets | 3.3219% | 2,274 |
| Loan and lease loss provision to assets | 0.0121% | 5,762 |
| Net operating income to assets | 0.3937% | 5,126 |
| Return on assets (ROA) | 0.3967% | 5,355 |
| Pretax return on assets | 0.3967% | 5,590 |
| Return on Equity (ROE) | 3.7600% | 5,248 |
| Retained earnings to average equity (ytd only) | 0.2727% | 5,722 |
| Net charge-offs to loans | 0.0209% | 5,612 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 33.5000% | 929 |
| Efficiency ratio | 89.1145% | 1,139 |
| Assets per employee ($millions) | 3.5971% | 4,785 |
| Cash dividends to net income (ytd only)* | 92.7481% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 5,316 |
| Loan loss allowance to noncurrent loans | 325.7576% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.2039% | 6,049 |
| Noncurrent loans to loans | 0.3553% | 5,598 |
| Net loans and leases to total assets | 56.7168% | 4,155 |
| Net loans and leases to deposits | 70.4978% | 3,637 |
| Net loans and leases to core deposits | 72.2013% | 4,018 |
| Total domestic deposits to total assets | 80.4519% | 5,556 |
| Equity capital to assets | 10.7787% | 3,195 |
| Core capital (leverage) ratio | 10.3956% | 2,889 |
| Tier 1 risk-based capital ratio | 21.0902% | 1,437 |
| Total risk-based capital ratio | 22.3418% | 1,411 |
| Memoranda: | ||
| Average total assets | $66,046,600 | 5,737 |
| Average earning assets | $62,330,200 | 5,655 |
| Average equity | $6,968,000 | 5,776 |
| Average total loans | $38,234,800 | 5,580 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1988% | 4,819 |
| Cost of funding earning assets | 0.7594% | 3,276 |
| Net interest margin | 3.4395% | 4,881 |
| Noninterest income to average assets | 0.4219% | 4,466 |
| Noninterest expense to average assets | 3.3106% | 2,242 |
| Loan and lease loss provision to assets | 0.0161% | 5,608 |
| Net operating income to assets | 0.3435% | 5,460 |
| Return on assets (ROA) | 0.3475% | 5,648 |
| Pretax return on assets | 0.3475% | 5,851 |
| Return on Equity (ROE) | 3.3116% | 5,571 |
| Retained earnings to average equity (ytd only) | 0.3637% | 5,977 |
| Net charge-offs to loans | 0.0277% | 5,271 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 22.3674% | 1,356 |
| Efficiency ratio | 90.2025% | 1,025 |
| Assets per employee ($millions) | 3.5244% | 4,920 |
| Cash dividends to net income (ytd only)* | 89.0185% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 5,661 |
| Loan loss allowance to noncurrent loans | 323.3083% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 6,187 |
| Noncurrent loans to loans | 0.3447% | 5,788 |
| Net loans and leases to total assets | 60.1475% | 3,752 |
| Net loans and leases to deposits | 75.4494% | 3,071 |
| Net loans and leases to core deposits | 77.3254% | 3,567 |
| Total domestic deposits to total assets | 79.7191% | 5,725 |
| Equity capital to assets | 11.0390% | 3,222 |
| Core capital (leverage) ratio | 10.1977% | 3,284 |
| Tier 1 risk-based capital ratio | 21.2028% | 1,477 |
| Total risk-based capital ratio | 22.4515% | 1,445 |
| Memoranda: | ||
| Average total assets | $66,371,250 | 5,800 |
| Average earning assets | $62,682,500 | 5,709 |
| Average equity | $6,965,250 | 5,844 |
| Average total loans | $38,505,250 | 5,632 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1501% | 5,129 |
| Cost of funding earning assets | 0.7677% | 3,455 |
| Net interest margin | 3.3824% | 5,149 |
| Noninterest income to average assets | 0.5137% | 3,835 |
| Noninterest expense to average assets | 3.2874% | 2,343 |
| Loan and lease loss provision to assets | -0.0148% | 7,034 |
| Net operating income to assets | 0.4336% | 5,105 |
| Return on assets (ROA) | 0.4336% | 5,328 |
| Pretax return on assets | 0.4336% | 5,622 |
| Return on Equity (ROE) | 4.1998% | 5,178 |
| Retained earnings to average equity (ytd only) | 0.8917% | 5,716 |
| Net charge-offs to loans | -0.0260% | 6,489 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7019% | 1,173 |
| Assets per employee ($millions) | 3.4818% | 5,020 |
| Cash dividends to net income (ytd only)* | 78.7671% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1283% | 5,656 |
| Loan loss allowance to noncurrent loans | 145.2703% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.7467% | 4,929 |
| Noncurrent loans to loans | 0.7767% | 4,952 |
| Net loans and leases to total assets | 56.9571% | 4,337 |
| Net loans and leases to deposits | 73.6153% | 3,357 |
| Net loans and leases to core deposits | 75.4188% | 3,828 |
| Total domestic deposits to total assets | 77.3713% | 6,267 |
| Equity capital to assets | 10.5404% | 3,636 |
| Core capital (leverage) ratio | 9.9583% | 3,474 |
| Tier 1 risk-based capital ratio | 20.7920% | 1,523 |
| Total risk-based capital ratio | 22.0422% | 1,494 |
| Memoranda: | ||
| Average total assets | $67,348,670 | 5,800 |
| Average earning assets | $63,565,000 | 5,716 |
| Average equity | $6,952,670 | 5,859 |
| Average total loans | $38,478,000 | 5,667 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1791% | 5,174 |
| Cost of funding earning assets | 0.7797% | 3,630 |
| Net interest margin | 3.3995% | 5,125 |
| Noninterest income to average assets | 0.5475% | 3,582 |
| Noninterest expense to average assets | 3.3439% | 2,160 |
| Loan and lease loss provision to assets | -0.0118% | 7,105 |
| Net operating income to assets | 0.4239% | 5,146 |
| Return on assets (ROA) | 0.4239% | 5,339 |
| Pretax return on assets | 0.4239% | 5,659 |
| Return on Equity (ROE) | 4.1484% | 5,225 |
| Retained earnings to average equity (ytd only) | 0.8066% | 5,735 |
| Net charge-offs to loans | -0.0207% | 6,191 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0282% | 1,171 |
| Assets per employee ($millions) | 3.5968% | 4,887 |
| Cash dividends to net income (ytd only)* | 80.5556% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1323% | 5,793 |
| Loan loss allowance to noncurrent loans | 196.3470% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.6102% | 5,366 |
| Noncurrent loans to loans | 0.5767% | 5,514 |
| Net loans and leases to total assets | 54.9408% | 4,564 |
| Net loans and leases to deposits | 70.6203% | 3,635 |
| Net loans and leases to core deposits | 72.2803% | 4,106 |
| Total domestic deposits to total assets | 77.7975% | 6,296 |
| Equity capital to assets | 10.1494% | 3,918 |
| Core capital (leverage) ratio | 9.8133% | 3,622 |
| Tier 1 risk-based capital ratio | 20.4661% | 1,598 |
| Total risk-based capital ratio | 21.7181% | 1,572 |
| Memoranda: | ||
| Average total assets | $67,945,500 | 5,831 |
| Average earning assets | $64,128,000 | 5,750 |
| Average equity | $6,942,500 | 5,889 |
| Average total loans | $38,662,000 | 5,701 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5098% | 5,034 |
| Cost of funding earning assets | 0.9161% | 3,997 |
| Net interest margin | 3.5938% | 4,758 |
| Noninterest income to average assets | 0.4903% | 3,921 |
| Noninterest expense to average assets | 3.2764% | 2,600 |
| Loan and lease loss provision to assets | 0.0684% | 5,756 |
| Net operating income to assets | 0.5498% | 4,237 |
| Return on assets (ROA) | 0.5498% | 4,419 |
| Pretax return on assets | 0.5498% | 4,838 |
| Return on Equity (ROE) | 5.3887% | 4,204 |
| Retained earnings to average equity (ytd only) | 1.4710% | 5,160 |
| Net charge-offs to loans | 0.1130% | 5,245 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 9.0435% | 2,043 |
| Efficiency ratio | 84.1282% | 1,750 |
| Assets per employee ($millions) | 3.5554% | 4,878 |
| Cash dividends to net income (ytd only)* | 72.7027% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 5,843 |
| Loan loss allowance to noncurrent loans | 200.9346% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.6351% | 5,384 |
| Noncurrent loans to loans | 0.5439% | 5,628 |
| Net loans and leases to total assets | 57.6119% | 4,443 |
| Net loans and leases to deposits | 74.6242% | 3,398 |
| Net loans and leases to core deposits | 76.4853% | 3,909 |
| Total domestic deposits to total assets | 77.2027% | 6,312 |
| Equity capital to assets | 10.2869% | 3,798 |
| Core capital (leverage) ratio | 9.9782% | 3,366 |
| Tier 1 risk-based capital ratio | 20.0585% | 1,628 |
| Total risk-based capital ratio | 21.3090% | 1,596 |
| Memoranda: | ||
| Average total assets | $67,299,800 | 5,826 |
| Average earning assets | $63,749,400 | 5,744 |
| Average equity | $6,866,200 | 5,902 |
| Average total loans | $40,714,800 | 5,662 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5519% | 5,080 |
| Cost of funding earning assets | 0.9451% | 4,078 |
| Net interest margin | 3.6068% | 4,741 |
| Noninterest income to average assets | 0.4898% | 3,950 |
| Noninterest expense to average assets | 3.2462% | 2,674 |
| Loan and lease loss provision to assets | 0.0754% | 5,506 |
| Net operating income to assets | 0.5889% | 4,136 |
| Return on assets (ROA) | 0.5889% | 4,316 |
| Pretax return on assets | 0.5889% | 4,850 |
| Return on Equity (ROE) | 5.7847% | 4,125 |
| Retained earnings to average equity (ytd only) | 2.0451% | 5,116 |
| Net charge-offs to loans | 0.1234% | 4,805 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 8.8151% | 2,122 |
| Efficiency ratio | 83.0122% | 1,847 |
| Assets per employee ($millions) | 3.6807% | 4,573 |
| Cash dividends to net income (ytd only)* | 64.6456% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 5,979 |
| Loan loss allowance to noncurrent loans | 260.6061% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 6,439 |
| Noncurrent loans to loans | 0.4119% | 6,021 |
| Net loans and leases to total assets | 59.8071% | 4,163 |
| Net loans and leases to deposits | 78.3889% | 2,904 |
| Net loans and leases to core deposits | 80.4009% | 3,579 |
| Total domestic deposits to total assets | 76.2954% | 6,492 |
| Equity capital to assets | 10.5912% | 3,588 |
| Core capital (leverage) ratio | 9.9631% | 3,487 |
| Tier 1 risk-based capital ratio | 20.0806% | 1,664 |
| Total risk-based capital ratio | 21.3467% | 1,630 |
| Memoranda: | ||
| Average total assets | $67,236,750 | 5,865 |
| Average earning assets | $63,766,250 | 5,782 |
| Average equity | $6,845,500 | 5,945 |
| Average total loans | $41,056,500 | 5,693 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5910% | 5,001 |
| Cost of funding earning assets | 0.9706% | 4,166 |
| Net interest margin | 3.6204% | 4,647 |
| Noninterest income to average assets | 0.5151% | 3,747 |
| Noninterest expense to average assets | 3.2739% | 2,655 |
| Loan and lease loss provision to assets | 0.1006% | 5,060 |
| Net operating income to assets | 0.5743% | 4,189 |
| Return on assets (ROA) | 0.5743% | 4,315 |
| Pretax return on assets | 0.5743% | 4,832 |
| Return on Equity (ROE) | 5.7157% | 4,104 |
| Retained earnings to average equity (ytd only) | 2.3275% | 4,805 |
| Net charge-offs to loans | 0.1643% | 4,187 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 6.7059% | 2,350 |
| Efficiency ratio | 82.9085% | 1,969 |
| Assets per employee ($millions) | 3.7361% | 4,346 |
| Cash dividends to net income (ytd only)* | 59.2784% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 6,089 |
| Loan loss allowance to noncurrent loans | 401.8692% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.1591% | 6,697 |
| Noncurrent loans to loans | 0.2642% | 6,397 |
| Net loans and leases to total assets | 59.5890% | 4,351 |
| Net loans and leases to deposits | 77.8207% | 3,150 |
| Net loans and leases to core deposits | 79.7743% | 3,812 |
| Total domestic deposits to total assets | 76.5721% | 6,512 |
| Equity capital to assets | 10.3139% | 3,732 |
| Core capital (leverage) ratio | 9.7294% | 3,626 |
| Tier 1 risk-based capital ratio | 19.6653% | 1,674 |
| Total risk-based capital ratio | 20.9276% | 1,648 |
| Memoranda: | ||
| Average total assets | $67,564,670 | 5,898 |
| Average earning assets | $64,081,330 | 5,824 |
| Average equity | $6,788,330 | 5,991 |
| Average total loans | $41,390,670 | 5,740 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4472% | 5,523 |
| Cost of funding earning assets | 1.0104% | 4,131 |
| Net interest margin | 3.4368% | 5,283 |
| Noninterest income to average assets | 0.5080% | 3,822 |
| Noninterest expense to average assets | 3.3194% | 2,497 |
| Loan and lease loss provision to assets | 0.1890% | 3,735 |
| Net operating income to assets | 0.2540% | 5,601 |
| Return on assets (ROA) | 0.2540% | 5,665 |
| Pretax return on assets | 0.2540% | 5,796 |
| Return on Equity (ROE) | 2.5616% | 5,579 |
| Retained earnings to average equity (ytd only) | 0.2979% | 5,688 |
| Net charge-offs to loans | 0.3060% | 2,820 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 2.3438% | 3,141 |
| Efficiency ratio | 88.2261% | 1,485 |
| Assets per employee ($millions) | 4.0301% | 3,781 |
| Cash dividends to net income (ytd only)* | 88.3721% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 6,240 |
| Loan loss allowance to noncurrent loans | 104.1162% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.6028% | 5,767 |
| Noncurrent loans to loans | 1.0022% | 5,046 |
| Net loans and leases to total assets | 59.5224% | 4,353 |
| Net loans and leases to deposits | 77.2875% | 3,192 |
| Net loans and leases to core deposits | 79.1722% | 3,857 |
| Total domestic deposits to total assets | 77.0142% | 6,538 |
| Equity capital to assets | 9.7457% | 4,115 |
| Core capital (leverage) ratio | 9.6496% | 3,592 |
| Tier 1 risk-based capital ratio | 18.9893% | 1,807 |
| Total risk-based capital ratio | 20.2219% | 1,770 |
| Memoranda: | ||
| Average total assets | $67,722,500 | 5,940 |
| Average earning assets | $64,130,000 | 5,856 |
| Average equity | $6,714,500 | 6,017 |
| Average total loans | $41,834,500 | 5,768 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2118% | 3,545 |
| Cost of funding earning assets | 1.0925% | 5,171 |
| Net interest margin | 4.1193% | 2,484 |
| Noninterest income to average assets | 0.5627% | 3,723 |
| Noninterest expense to average assets | 3.3687% | 2,531 |
| Loan and lease loss provision to assets | 0.2139% | 5,115 |
| Net operating income to assets | 0.8691% | 2,513 |
| Return on assets (ROA) | 0.8691% | 2,647 |
| Pretax return on assets | 0.8691% | 3,409 |
| Return on Equity (ROE) | 8.3285% | 2,563 |
| Retained earnings to average equity (ytd only) | -0.0727% | 5,609 |
| Net charge-offs to loans | 0.1802% | 5,242 |
| Credit loss provision to net charge-offs | 183.1169% | 1,799 |
| Earnings coverage of net charge-offs (x) | 9.2727% | 1,846 |
| Efficiency ratio | 75.6729% | 3,096 |
| Assets per employee ($millions) | 3.9372% | 3,923 |
| Cash dividends to net income (ytd only)* | 100.8726% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0127% | 6,321 |
| Loan loss allowance to noncurrent loans | 160.4478% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.4109% | 6,243 |
| Noncurrent loans to loans | 0.6312% | 5,785 |
| Net loans and leases to total assets | 62.7926% | 4,116 |
| Net loans and leases to deposits | 82.4826% | 2,717 |
| Net loans and leases to core deposits | 84.6437% | 3,501 |
| Total domestic deposits to total assets | 76.1284% | 6,621 |
| Equity capital to assets | 10.0877% | 3,638 |
| Core capital (leverage) ratio | 9.9109% | 3,193 |
| Tier 1 risk-based capital ratio | 18.7855% | 1,769 |
| Total risk-based capital ratio | 20.0057% | 1,747 |
| Memoranda: | ||
| Average total assets | $65,931,200 | 6,003 |
| Average earning assets | $62,243,600 | 5,912 |
| Average equity | $6,880,000 | 6,079 |
| Average total loans | $42,730,200 | 5,807 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2799% | 3,453 |
| Cost of funding earning assets | 1.1076% | 5,383 |
| Net interest margin | 4.1723% | 2,325 |
| Noninterest income to average assets | 0.5562% | 3,741 |
| Noninterest expense to average assets | 3.2236% | 2,843 |
| Loan and lease loss provision to assets | 0.1928% | 5,113 |
| Net operating income to assets | 1.0779% | 1,977 |
| Return on assets (ROA) | 1.0779% | 2,084 |
| Pretax return on assets | 1.0779% | 2,901 |
| Return on Equity (ROE) | 10.2428% | 2,029 |
| Retained earnings to average equity (ytd only) | 2.4690% | 4,693 |
| Net charge-offs to loans | 0.1246% | 5,308 |
| Credit loss provision to net charge-offs | 237.5000% | 1,420 |
| Earnings coverage of net charge-offs (x) | 15.6507% | 1,427 |
| Efficiency ratio | 71.7254% | 3,759 |
| Assets per employee ($millions) | 3.9077% | 4,020 |
| Cash dividends to net income (ytd only)* | 75.8948% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 6,492 |
| Loan loss allowance to noncurrent loans | 134.0764% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 6,242 |
| Noncurrent loans to loans | 0.7287% | 5,743 |
| Net loans and leases to total assets | 64.2275% | 4,078 |
| Net loans and leases to deposits | 84.6198% | 2,592 |
| Net loans and leases to core deposits | 86.8486% | 3,536 |
| Total domestic deposits to total assets | 75.9013% | 6,677 |
| Equity capital to assets | 10.5327% | 3,481 |
| Core capital (leverage) ratio | 10.3401% | 2,870 |
| Tier 1 risk-based capital ratio | 19.0059% | 1,750 |
| Total risk-based capital ratio | 20.1908% | 1,731 |
| Memoranda: | ||
| Average total assets | $65,680,750 | 6,076 |
| Average earning assets | $61,994,750 | 5,992 |
| Average equity | $6,912,000 | 6,145 |
| Average total loans | $42,798,000 | 5,884 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3119% | 3,411 |
| Cost of funding earning assets | 1.1459% | 5,432 |
| Net interest margin | 4.1660% | 2,273 |
| Noninterest income to average assets | 0.5471% | 3,737 |
| Noninterest expense to average assets | 3.2890% | 2,593 |
| Loan and lease loss provision to assets | 0.1712% | 5,156 |
| Net operating income to assets | 1.0209% | 2,114 |
| Return on assets (ROA) | 1.0209% | 2,188 |
| Pretax return on assets | 1.0209% | 3,039 |
| Return on Equity (ROE) | 9.7041% | 2,210 |
| Retained earnings to average equity (ytd only) | 1.8885% | 4,924 |
| Net charge-offs to loans | 0.1452% | 4,779 |
| Credit loss provision to net charge-offs | 180.6452% | 2,173 |
| Earnings coverage of net charge-offs (x) | 12.5806% | 1,668 |
| Efficiency ratio | 73.3970% | 3,576 |
| Assets per employee ($millions) | 3.8299% | 4,158 |
| Cash dividends to net income (ytd only)* | 80.5389% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9127% | 6,715 |
| Loan loss allowance to noncurrent loans | 85.9341% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.6988% | 5,744 |
| Noncurrent loans to loans | 1.0621% | 5,191 |
| Net loans and leases to total assets | 65.1963% | 4,005 |
| Net loans and leases to deposits | 81.4819% | 3,343 |
| Net loans and leases to core deposits | 83.5475% | 4,203 |
| Total domestic deposits to total assets | 80.0132% | 5,718 |
| Equity capital to assets | 10.6377% | 3,235 |
| Core capital (leverage) ratio | 10.1856% | 2,953 |
| Tier 1 risk-based capital ratio | 18.8706% | 1,748 |
| Total risk-based capital ratio | 19.9735% | 1,756 |
| Memoranda: | ||
| Average total assets | $65,430,670 | 6,124 |
| Average earning assets | $61,785,330 | 6,031 |
| Average equity | $6,883,670 | 6,178 |
| Average total loans | $42,701,330 | 5,919 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3116% | 3,483 |
| Cost of funding earning assets | 1.2019% | 5,398 |
| Net interest margin | 4.1097% | 2,403 |
| Noninterest income to average assets | 0.5123% | 3,949 |
| Noninterest expense to average assets | 3.3236% | 2,456 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0672% | 1,942 |
| Return on assets (ROA) | 1.0672% | 2,016 |
| Pretax return on assets | 1.0672% | 2,850 |
| Return on Equity (ROE) | 10.2004% | 2,036 |
| Retained earnings to average equity (ytd only) | 2.3315% | 4,739 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6944% | 3,275 |
| Assets per employee ($millions) | 3.8956% | 4,108 |
| Cash dividends to net income (ytd only)* | 77.1429% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8664% | 6,937 |
| Loan loss allowance to noncurrent loans | 425.5814% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.1299% | 7,154 |
| Noncurrent loans to loans | 0.2036% | 6,935 |
| Net loans and leases to total assets | 63.2380% | 4,482 |
| Net loans and leases to deposits | 77.5929% | 4,113 |
| Net loans and leases to core deposits | 79.4777% | 4,836 |
| Total domestic deposits to total assets | 81.4997% | 5,269 |
| Equity capital to assets | 10.3705% | 3,380 |
| Core capital (leverage) ratio | 10.0922% | 3,050 |
| Tier 1 risk-based capital ratio | 18.7604% | 1,780 |
| Total risk-based capital ratio | 19.7906% | 1,793 |
| Memoranda: | ||
| Average total assets | $65,592,000 | 6,186 |
| Average earning assets | $61,902,500 | 6,092 |
| Average equity | $6,862,500 | 6,238 |
| Average total loans | $42,632,500 | 5,999 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7277% | 2,974 |
| Cost of funding earning assets | 1.4810% | 5,589 |
| Net interest margin | 4.2466% | 1,907 |
| Noninterest income to average assets | 0.5337% | 4,149 |
| Noninterest expense to average assets | 3.4549% | 2,511 |
| Loan and lease loss provision to assets | 0.0555% | 7,010 |
| Net operating income to assets | 1.0565% | 1,639 |
| Return on assets (ROA) | 1.0565% | 1,681 |
| Pretax return on assets | 1.0565% | 2,387 |
| Return on Equity (ROE) | 9.7964% | 1,748 |
| Retained earnings to average equity (ytd only) | 0.0858% | 4,855 |
| Net charge-offs to loans | 0.0801% | 6,308 |
| Credit loss provision to net charge-offs | 105.8824% | 5,234 |
| Earnings coverage of net charge-offs (x) | 21.2059% | 1,007 |
| Efficiency ratio | 75.6501% | 3,585 |
| Assets per employee ($millions) | 3.8211% | 4,232 |
| Cash dividends to net income (ytd only)* | 99.1241% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8508% | 6,979 |
| Loan loss allowance to noncurrent loans | 463.2911% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 7,174 |
| Noncurrent loans to loans | 0.1836% | 6,965 |
| Net loans and leases to total assets | 65.6624% | 4,246 |
| Net loans and leases to deposits | 80.8956% | 3,825 |
| Net loans and leases to core deposits | 89.2714% | 5,198 |
| Total domestic deposits to total assets | 81.1694% | 5,280 |
| Equity capital to assets | 10.5561% | 3,124 |
| Core capital (leverage) ratio | 10.1807% | 2,909 |
| Tier 1 risk-based capital ratio | 18.3762% | 1,782 |
| Total risk-based capital ratio | 19.3914% | 1,811 |
| Memoranda: | ||
| Average total assets | $64,834,800 | 6,169 |
| Average earning assets | $61,578,200 | 6,072 |
| Average equity | $6,992,400 | 6,271 |
| Average total loans | $42,430,200 | 6,000 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7616% | 3,056 |
| Cost of funding earning assets | 1.5519% | 5,625 |
| Net interest margin | 4.2098% | 2,018 |
| Noninterest income to average assets | 0.5185% | 4,332 |
| Noninterest expense to average assets | 3.2610% | 3,075 |
| Loan and lease loss provision to assets | 0.0741% | 6,619 |
| Net operating income to assets | 1.1851% | 1,501 |
| Return on assets (ROA) | 1.1851% | 1,553 |
| Pretax return on assets | 1.1851% | 2,317 |
| Return on Equity (ROE) | 10.9302% | 1,642 |
| Retained earnings to average equity (ytd only) | 3.2828% | 3,475 |
| Net charge-offs to loans | 0.1072% | 5,597 |
| Credit loss provision to net charge-offs | 105.8824% | 4,804 |
| Earnings coverage of net charge-offs (x) | 18.0009% | 1,369 |
| Efficiency ratio | 72.1438% | 4,218 |
| Assets per employee ($millions) | 3.8146% | 4,161 |
| Cash dividends to net income (ytd only)* | 69.9654% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8609% | 6,923 |
| Loan loss allowance to noncurrent loans | 358.8235% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 7,148 |
| Noncurrent loans to loans | 0.2399% | 6,901 |
| Net loans and leases to total assets | 64.9920% | 4,651 |
| Net loans and leases to deposits | 80.9457% | 4,209 |
| Net loans and leases to core deposits | 90.1905% | 5,413 |
| Total domestic deposits to total assets | 80.2908% | 5,337 |
| Equity capital to assets | 10.9518% | 3,059 |
| Core capital (leverage) ratio | 10.3856% | 2,896 |
| Tier 1 risk-based capital ratio | 19.0674% | 1,736 |
| Total risk-based capital ratio | 20.0949% | 1,742 |
| Memoranda: | ||
| Average total assets | $64,804,000 | 6,213 |
| Average earning assets | $61,601,500 | 6,118 |
| Average equity | $7,026,250 | 6,309 |
| Average total loans | $42,283,000 | 6,057 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7695% | 3,195 |
| Cost of funding earning assets | 1.6007% | 5,740 |
| Net interest margin | 4.1689% | 2,101 |
| Noninterest income to average assets | 0.4877% | 4,556 |
| Noninterest expense to average assets | 3.2783% | 3,059 |
| Loan and lease loss provision to assets | 0.1050% | 6,114 |
| Net operating income to assets | 1.0681% | 1,879 |
| Return on assets (ROA) | 1.0681% | 1,954 |
| Pretax return on assets | 1.0681% | 2,742 |
| Return on Equity (ROE) | 9.8843% | 2,060 |
| Retained earnings to average equity (ytd only) | 2.2283% | 4,099 |
| Net charge-offs to loans | 0.1611% | 4,591 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 11.1765% | 1,926 |
| Efficiency ratio | 73.6477% | 4,088 |
| Assets per employee ($millions) | 3.7981% | 4,101 |
| Cash dividends to net income (ytd only)* | 77.4566% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8671% | 6,913 |
| Loan loss allowance to noncurrent loans | 223.3129% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 6,806 |
| Noncurrent loans to loans | 0.3883% | 6,538 |
| Net loans and leases to total assets | 64.4524% | 4,887 |
| Net loans and leases to deposits | 80.3720% | 4,490 |
| Net loans and leases to core deposits | 90.7950% | 5,470 |
| Total domestic deposits to total assets | 80.1927% | 5,399 |
| Equity capital to assets | 10.8492% | 3,057 |
| Core capital (leverage) ratio | 10.0936% | 3,195 |
| Tier 1 risk-based capital ratio | 19.0612% | 1,763 |
| Total risk-based capital ratio | 20.0974% | 1,762 |
| Memoranda: | ||
| Average total assets | $64,789,330 | 6,266 |
| Average earning assets | $61,599,330 | 6,161 |
| Average equity | $7,001,000 | 6,371 |
| Average total loans | $42,206,670 | 6,102 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7650% | 3,457 |
| Cost of funding earning assets | 1.6360% | 5,882 |
| Net interest margin | 4.1290% | 2,169 |
| Noninterest income to average assets | 0.4746% | 4,554 |
| Noninterest expense to average assets | 3.0447% | 3,574 |
| Loan and lease loss provision to assets | 0.3328% | 3,330 |
| Net operating income to assets | 1.0169% | 2,237 |
| Return on assets (ROA) | 1.0169% | 2,377 |
| Pretax return on assets | 1.0169% | 3,283 |
| Return on Equity (ROE) | 9.4299% | 2,563 |
| Retained earnings to average equity (ytd only) | 1.7717% | 4,866 |
| Net charge-offs to loans | 0.5104% | 2,184 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 4.0556% | 2,988 |
| Efficiency ratio | 69.2847% | 4,720 |
| Assets per employee ($millions) | 3.8597% | 3,963 |
| Cash dividends to net income (ytd only)* | 81.2121% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 6,847 |
| Loan loss allowance to noncurrent loans | 491.8919% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 6,495 |
| Noncurrent loans to loans | 0.1780% | 7,016 |
| Net loans and leases to total assets | 62.8073% | 5,188 |
| Net loans and leases to deposits | 78.3226% | 4,873 |
| Net loans and leases to core deposits | 87.2486% | 5,812 |
| Total domestic deposits to total assets | 80.1905% | 5,291 |
| Equity capital to assets | 10.6317% | 3,346 |
| Core capital (leverage) ratio | 10.1076% | 3,283 |
| Tier 1 risk-based capital ratio | 18.6149% | 1,898 |
| Total risk-based capital ratio | 19.6339% | 1,920 |
| Memoranda: | ||
| Average total assets | $64,900,500 | 6,295 |
| Average earning assets | $61,613,000 | 6,190 |
| Average equity | $6,999,000 | 6,410 |
| Average total loans | $42,320,500 | 6,120 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4706% | 3,113 |
| Cost of funding earning assets | 1.8203% | 6,954 |
| Net interest margin | 4.6503% | 1,052 |
| Noninterest income to average assets | 0.5949% | 3,870 |
| Noninterest expense to average assets | 3.4201% | 2,610 |
| Loan and lease loss provision to assets | 0.1365% | 5,613 |
| Net operating income to assets | 1.4402% | 1,146 |
| Return on assets (ROA) | 1.4532% | 1,070 |
| Pretax return on assets | 1.4532% | 1,811 |
| Return on Equity (ROE) | 12.9194% | 1,348 |
| Retained earnings to average equity (ytd only) | 0.9538% | 4,657 |
| Net charge-offs to loans | 0.1878% | 4,319 |
| Credit loss provision to net charge-offs | 107.6923% | 4,983 |
| Earnings coverage of net charge-offs (x) | 12.4359% | 2,243 |
| Efficiency ratio | 68.4450% | 4,641 |
| Assets per employee ($millions) | 3.7756% | 4,013 |
| Cash dividends to net income (ytd only)* | 92.6174% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8452% | 6,922 |
| Loan loss allowance to noncurrent loans | 115.9236% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.4892% | 5,741 |
| Noncurrent loans to loans | 0.7291% | 5,205 |
| Net loans and leases to total assets | 66.5285% | 4,747 |
| Net loans and leases to deposits | 83.4170% | 4,512 |
| Net loans and leases to core deposits | 92.2031% | 5,615 |
| Total domestic deposits to total assets | 79.7542% | 5,111 |
| Equity capital to assets | 10.9401% | 3,091 |
| Core capital (leverage) ratio | 10.4648% | 3,008 |
| Tier 1 risk-based capital ratio | 18.2126% | 1,987 |
| Total risk-based capital ratio | 19.2142% | 1,991 |
| Memoranda: | ||
| Average total assets | $61,519,000 | 6,337 |
| Average earning assets | $58,232,600 | 6,255 |
| Average equity | $6,919,800 | 6,486 |
| Average total loans | $41,530,000 | 6,097 |