Home > The First National Bank of Germantown > Performance and Condition Ratios
The First National Bank of Germantown, 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 | 3.9462% | 4,034 |
| Cost of funding earning assets | 1.0563% | 3,179 |
| Net interest margin | 2.8899% | 3,509 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.7096% | 1,712 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.4369% | 3,795 |
| Return on assets (ROA) | 0.4369% | 3,795 |
| Pretax return on assets | 0.5524% | 3,715 |
| Return on Equity (ROE) | 6.6400% | 3,383 |
| Retained earnings to average equity (ytd only) | 4.0014% | 2,961 |
| Net charge-offs to loans | 0.0037% | 2,623 |
| Credit loss provision to net charge-offs | 500.0000% | 667 |
| Earnings coverage of net charge-offs (x) | 237.0000% | 517 |
| Efficiency ratio | 82.7636% | 738 |
| Assets per employee ($millions) | 6.5793% | 2,356 |
| Cash dividends to net income (ytd only)* | 39.7820% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9754% | 3,435 |
| Loan loss allowance to noncurrent loans | 870.4918% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 3,130 |
| Noncurrent loans to loans | 0.1121% | 2,968 |
| Net loans and leases to total assets | 58.5200% | 2,988 |
| Net loans and leases to deposits | 65.1054% | 3,229 |
| Net loans and leases to core deposits | 71.8182% | 3,205 |
| Total domestic deposits to total assets | 89.8900% | 788 |
| Equity capital to assets | 6.4770% | 4,124 |
| Core capital (leverage) ratio | 8.3519% | 4,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7515% | 1,122 |
| Memoranda: | ||
| Average total assets | $83,998,200 | 3,984 |
| Average earning assets | $80,280,400 | 3,929 |
| Average equity | $5,523,000 | 4,213 |
| Average total loans | $54,185,800 | 3,789 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8566% | 4,056 |
| Cost of funding earning assets | 0.9250% | 3,215 |
| Net interest margin | 2.9316% | 3,476 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.7440% | 1,561 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.4408% | 3,890 |
| Return on assets (ROA) | 0.4408% | 3,891 |
| Pretax return on assets | 0.5579% | 3,811 |
| Return on Equity (ROE) | 6.6800% | 3,507 |
| Retained earnings to average equity (ytd only) | 3.0794% | 3,489 |
| Net charge-offs to loans | 0.0049% | 2,289 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 176.5000% | 653 |
| Efficiency ratio | 82.6961% | 688 |
| Assets per employee ($millions) | 5.8909% | 2,845 |
| Cash dividends to net income (ytd only)* | 53.8745% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 3,471 |
| Loan loss allowance to noncurrent loans | 780.8824% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.0825% | 3,041 |
| Noncurrent loans to loans | 0.1253% | 2,926 |
| Net loans and leases to total assets | 65.1800% | 2,325 |
| Net loans and leases to deposits | 72.9264% | 2,653 |
| Net loans and leases to core deposits | 76.4289% | 2,836 |
| Total domestic deposits to total assets | 89.3800% | 1,124 |
| Equity capital to assets | 6.5573% | 3,809 |
| Core capital (leverage) ratio | 8.8940% | 3,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2195% | 1,065 |
| Memoranda: | ||
| Average total assets | $81,970,250 | 4,016 |
| Average earning assets | $78,408,500 | 3,964 |
| Average equity | $5,412,250 | 4,232 |
| Average total loans | $54,123,000 | 3,792 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7764% | 4,054 |
| Cost of funding earning assets | 0.7983% | 3,207 |
| Net interest margin | 2.9782% | 3,485 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.7163% | 1,603 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.4988% | 3,813 |
| Return on assets (ROA) | 0.4988% | 3,816 |
| Pretax return on assets | 0.6308% | 3,741 |
| Return on Equity (ROE) | 7.5400% | 3,355 |
| Retained earnings to average equity (ytd only) | 2.1427% | 3,693 |
| Net charge-offs to loans | 0.0037% | 2,173 |
| Credit loss provision to net charge-offs | 600.0000% | 572 |
| Earnings coverage of net charge-offs (x) | 264.0000% | 496 |
| Efficiency ratio | 80.8000% | 792 |
| Assets per employee ($millions) | 5.5034% | 3,148 |
| Cash dividends to net income (ytd only)* | 71.5686% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9677% | 3,542 |
| Loan loss allowance to noncurrent loans | 713.5135% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 2,909 |
| Noncurrent loans to loans | 0.1356% | 2,792 |
| Net loans and leases to total assets | 65.4600% | 2,217 |
| Net loans and leases to deposits | 73.2596% | 2,563 |
| Net loans and leases to core deposits | 75.9064% | 2,765 |
| Total domestic deposits to total assets | 89.3500% | 1,121 |
| Equity capital to assets | 6.5826% | 3,961 |
| Core capital (leverage) ratio | 8.4814% | 4,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0023% | 1,126 |
| Memoranda: | ||
| Average total assets | $81,802,667 | 4,030 |
| Average earning assets | $78,168,667 | 3,985 |
| Average equity | $5,413,667 | 4,256 |
| Average total loans | $54,068,000 | 3,804 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6049% | 4,149 |
| Cost of funding earning assets | 0.5570% | 3,511 |
| Net interest margin | 3.0479% | 3,468 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.7804% | 1,482 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4568% | 3,989 |
| Return on assets (ROA) | 0.4568% | 3,938 |
| Pretax return on assets | 0.5796% | 3,877 |
| Return on Equity (ROE) | 6.8800% | 3,545 |
| Retained earnings to average equity (ytd only) | -3.9234% | 4,285 |
| Net charge-offs to loans | 0.0074% | 1,671 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 715 |
| Efficiency ratio | 82.7485% | 661 |
| Assets per employee ($millions) | 5.4419% | 3,280 |
| Cash dividends to net income (ytd only)* | 156.9892% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9660% | 3,650 |
| Loan loss allowance to noncurrent loans | 628.9157% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 2,815 |
| Noncurrent loans to loans | 0.1536% | 2,722 |
| Net loans and leases to total assets | 65.5600% | 2,103 |
| Net loans and leases to deposits | 73.5766% | 2,328 |
| Net loans and leases to core deposits | 74.4094% | 2,644 |
| Total domestic deposits to total assets | 89.1000% | 1,509 |
| Equity capital to assets | 6.7857% | 3,920 |
| Core capital (leverage) ratio | 8.8366% | 3,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9693% | 1,157 |
| Memoranda: | ||
| Average total assets | $81,428,500 | 4,084 |
| Average earning assets | $77,560,500 | 4,036 |
| Average equity | $5,403,500 | 4,313 |
| Average total loans | $53,819,500 | 3,851 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3775% | 3,408 |
| Cost of funding earning assets | 0.2645% | 3,213 |
| Net interest margin | 3.1131% | 3,142 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.6818% | 1,604 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.6066% | 3,864 |
| Return on assets (ROA) | 0.6066% | 3,819 |
| Pretax return on assets | 0.7662% | 3,704 |
| Return on Equity (ROE) | 8.7100% | 3,200 |
| Retained earnings to average equity (ytd only) | 6.1376% | 2,594 |
| Net charge-offs to loans | -0.0058% | 3,663 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.2277% | 904 |
| Assets per employee ($millions) | 5.4153% | 3,299 |
| Cash dividends to net income (ytd only)* | 29.5547% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0913% | 2,939 |
| Loan loss allowance to noncurrent loans | 657.3034% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.1096% | 2,757 |
| Noncurrent loans to loans | 0.1660% | 2,654 |
| Net loans and leases to total assets | 65.2700% | 2,113 |
| Net loans and leases to deposits | 70.1802% | 2,569 |
| Net loans and leases to core deposits | 70.9427% | 2,806 |
| Total domestic deposits to total assets | 93.0000% | 407 |
| Equity capital to assets | 6.4854% | 3,900 |
| Core capital (leverage) ratio | 8.8036% | 3,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0680% | 1,117 |
| Memoranda: | ||
| Average total assets | $81,438,000 | 4,113 |
| Average earning assets | $77,512,400 | 4,069 |
| Average equity | $5,670,000 | 4,365 |
| Average total loans | $52,134,200 | 3,861 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2966% | 3,184 |
| Cost of funding earning assets | 0.2472% | 2,736 |
| Net interest margin | 3.0494% | 3,080 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.6047% | 1,703 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.5988% | 3,836 |
| Return on assets (ROA) | 0.5988% | 3,796 |
| Pretax return on assets | 0.7575% | 3,676 |
| Return on Equity (ROE) | 8.4600% | 3,183 |
| Retained earnings to average equity (ytd only) | 5.0832% | 3,067 |
| Net charge-offs to loans | -0.0077% | 3,606 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.7229% | 1,018 |
| Assets per employee ($millions) | 5.4140% | 3,317 |
| Cash dividends to net income (ytd only)* | 39.8907% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 2,987 |
| Loan loss allowance to noncurrent loans | 603.0928% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.1194% | 2,770 |
| Noncurrent loans to loans | 0.1833% | 2,665 |
| Net loans and leases to total assets | 64.4400% | 2,045 |
| Net loans and leases to deposits | 69.1894% | 2,439 |
| Net loans and leases to core deposits | 69.9375% | 2,649 |
| Total domestic deposits to total assets | 93.1300% | 550 |
| Equity capital to assets | 6.3576% | 3,817 |
| Core capital (leverage) ratio | 8.4570% | 4,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0763% | 1,160 |
| Memoranda: | ||
| Average total assets | $81,490,250 | 4,140 |
| Average earning assets | $77,653,000 | 4,093 |
| Average equity | $5,770,500 | 4,391 |
| Average total loans | $51,766,750 | 3,885 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2044% | 3,029 |
| Cost of funding earning assets | 0.2184% | 2,659 |
| Net interest margin | 2.9860% | 2,923 |
| Noninterest income to average assets | 0.4927% | 2,246 |
| Noninterest expense to average assets | 2.5446% | 1,793 |
| Loan and lease loss provision to assets | 0.0392% | 1,882 |
| Net operating income to assets | 0.5982% | 3,629 |
| Return on assets (ROA) | 0.5982% | 3,574 |
| Pretax return on assets | 0.7575% | 3,433 |
| Return on Equity (ROE) | 8.1701% | 2,974 |
| Retained earnings to average equity (ytd only) | 3.2814% | 3,358 |
| Net charge-offs to loans | -0.0156% | 3,776 |
| Credit loss provision to net charge-offs | -400.0000% | 3,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1555% | 1,264 |
| Assets per employee ($millions) | 5.7366% | 2,990 |
| Cash dividends to net income (ytd only)* | 59.8361% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 3,186 |
| Loan loss allowance to noncurrent loans | 549.0566% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 2,844 |
| Noncurrent loans to loans | 0.1993% | 2,712 |
| Net loans and leases to total assets | 61.1245% | 2,210 |
| Net loans and leases to deposits | 65.5545% | 2,587 |
| Net loans and leases to core deposits | 66.4792% | 2,782 |
| Total domestic deposits to total assets | 93.2422% | 454 |
| Equity capital to assets | 6.2406% | 4,119 |
| Core capital (leverage) ratio | 8.1986% | 4,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3408% | 1,349 |
| Memoranda: | ||
| Average total assets | $81,583,667 | 4,183 |
| Average earning assets | $77,829,667 | 4,143 |
| Average equity | $5,973,000 | 4,414 |
| Average total loans | $51,384,000 | 3,941 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2200% | 2,625 |
| Cost of funding earning assets | 0.1953% | 2,859 |
| Net interest margin | 3.0247% | 2,423 |
| Noninterest income to average assets | 0.4688% | 2,305 |
| Noninterest expense to average assets | 2.4801% | 1,931 |
| Loan and lease loss provision to assets | 0.0605% | 1,323 |
| Net operating income to assets | 0.6452% | 3,248 |
| Return on assets (ROA) | 0.6452% | 3,228 |
| Pretax return on assets | 0.8166% | 3,057 |
| Return on Equity (ROE) | 8.1600% | 2,622 |
| Retained earnings to average equity (ytd only) | -1.1475% | 4,154 |
| Net charge-offs to loans | -0.0317% | 4,106 |
| Credit loss provision to net charge-offs | -300.0000% | 3,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8739% | 1,755 |
| Assets per employee ($millions) | 5.6427% | 3,189 |
| Cash dividends to net income (ytd only)* | 114.0625% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 3,227 |
| Loan loss allowance to noncurrent loans | 507.0175% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 2,783 |
| Noncurrent loans to loans | 0.2213% | 2,713 |
| Net loans and leases to total assets | 64.4700% | 1,558 |
| Net loans and leases to deposits | 69.9973% | 1,967 |
| Net loans and leases to core deposits | 71.4406% | 2,162 |
| Total domestic deposits to total assets | 92.1036% | 539 |
| Equity capital to assets | 7.3496% | 4,019 |
| Core capital (leverage) ratio | 8.4172% | 3,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9628% | 1,268 |
| Memoranda: | ||
| Average total assets | $79,351,000 | 4,230 |
| Average earning assets | $75,775,500 | 4,193 |
| Average equity | $6,274,500 | 4,439 |
| Average total loans | $50,486,500 | 3,963 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7393% | 2,008 |
| Cost of funding earning assets | 0.2274% | 3,169 |
| Net interest margin | 3.5119% | 1,696 |
| Noninterest income to average assets | 0.4661% | 2,747 |
| Noninterest expense to average assets | 2.7063% | 1,619 |
| Loan and lease loss provision to assets | 0.0618% | 1,835 |
| Net operating income to assets | 0.8343% | 3,222 |
| Return on assets (ROA) | 0.8343% | 3,298 |
| Pretax return on assets | 1.0583% | 3,111 |
| Return on Equity (ROE) | 9.7435% | 2,626 |
| Retained earnings to average equity (ytd only) | 7.5482% | 1,705 |
| Net charge-offs to loans | 0.0125% | 2,092 |
| Credit loss provision to net charge-offs | 800.0000% | 603 |
| Earnings coverage of net charge-offs (x) | 145.0000% | 680 |
| Efficiency ratio | 70.7268% | 1,653 |
| Assets per employee ($millions) | 6.1311% | 2,630 |
| Cash dividends to net income (ytd only)* | 22.5309% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 3,190 |
| Loan loss allowance to noncurrent loans | 468.3333% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 2,888 |
| Noncurrent loans to loans | 0.2426% | 2,760 |
| Net loans and leases to total assets | 61.3558% | 2,025 |
| Net loans and leases to deposits | 67.5260% | 2,352 |
| Net loans and leases to core deposits | 68.9231% | 2,560 |
| Total domestic deposits to total assets | 90.8624% | 545 |
| Equity capital to assets | 8.4601% | 4,073 |
| Core capital (leverage) ratio | 8.4658% | 3,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1736% | 1,225 |
| Memoranda: | ||
| Average total assets | $77,670,000 | 4,250 |
| Average earning assets | $74,318,800 | 4,205 |
| Average equity | $6,650,600 | 4,465 |
| Average total loans | $47,822,000 | 4,041 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8652% | 1,875 |
| Cost of funding earning assets | 0.2313% | 3,316 |
| Net interest margin | 3.6339% | 1,509 |
| Noninterest income to average assets | 0.4475% | 2,849 |
| Noninterest expense to average assets | 2.5988% | 1,840 |
| Loan and lease loss provision to assets | 0.0622% | 1,757 |
| Net operating income to assets | 0.9780% | 2,994 |
| Return on assets (ROA) | 0.9780% | 3,074 |
| Pretax return on assets | 1.2614% | 2,729 |
| Return on Equity (ROE) | 11.3866% | 2,247 |
| Retained earnings to average equity (ytd only) | 8.4494% | 1,892 |
| Net charge-offs to loans | 0.0056% | 2,119 |
| Credit loss provision to net charge-offs | 1,800.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 383.0000% | 364 |
| Efficiency ratio | 66.2555% | 2,070 |
| Assets per employee ($millions) | 5.3357% | 3,371 |
| Cash dividends to net income (ytd only)* | 25.7951% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 3,300 |
| Loan loss allowance to noncurrent loans | 450.4065% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 3,090 |
| Noncurrent loans to loans | 0.2504% | 2,937 |
| Net loans and leases to total assets | 60.6789% | 2,174 |
| Net loans and leases to deposits | 66.8369% | 2,555 |
| Net loans and leases to core deposits | 68.5840% | 2,726 |
| Total domestic deposits to total assets | 90.7866% | 442 |
| Equity capital to assets | 8.5112% | 4,207 |
| Core capital (leverage) ratio | 8.4260% | 4,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,161,500 | 4,315 |
| Average earning assets | $73,785,000 | 4,261 |
| Average equity | $6,627,500 | 4,532 |
| Average total loans | $47,411,250 | 4,106 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9241% | 1,758 |
| Cost of funding earning assets | 0.2391% | 3,385 |
| Net interest margin | 3.6850% | 1,388 |
| Noninterest income to average assets | 0.4540% | 2,826 |
| Noninterest expense to average assets | 2.5642% | 1,951 |
| Loan and lease loss provision to assets | 0.0630% | 1,787 |
| Net operating income to assets | 1.0288% | 2,794 |
| Return on assets (ROA) | 1.0288% | 2,875 |
| Pretax return on assets | 1.3464% | 2,490 |
| Return on Equity (ROE) | 11.9403% | 2,086 |
| Retained earnings to average equity (ytd only) | 7.4931% | 2,253 |
| Net charge-offs to loans | 0.0085% | 1,821 |
| Credit loss provision to net charge-offs | 1,200.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 268.5000% | 404 |
| Efficiency ratio | 64.5310% | 2,356 |
| Assets per employee ($millions) | 5.4511% | 3,186 |
| Cash dividends to net income (ytd only)* | 37.2449% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 3,294 |
| Loan loss allowance to noncurrent loans | 413.7405% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 3,120 |
| Noncurrent loans to loans | 0.2729% | 2,961 |
| Net loans and leases to total assets | 62.1817% | 2,157 |
| Net loans and leases to deposits | 68.7201% | 2,546 |
| Net loans and leases to core deposits | 70.6066% | 2,724 |
| Total domestic deposits to total assets | 90.4855% | 562 |
| Equity capital to assets | 8.7191% | 4,032 |
| Core capital (leverage) ratio | 8.5359% | 3,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,203,333 | 4,346 |
| Average earning assets | $72,780,667 | 4,306 |
| Average equity | $6,566,000 | 4,564 |
| Average total loans | $46,842,000 | 4,140 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6564% | 2,481 |
| Cost of funding earning assets | 0.2423% | 3,546 |
| Net interest margin | 3.4141% | 2,072 |
| Noninterest income to average assets | 0.3887% | 3,158 |
| Noninterest expense to average assets | 2.5372% | 2,068 |
| Loan and lease loss provision to assets | 0.0630% | 1,874 |
| Net operating income to assets | 0.7985% | 3,430 |
| Return on assets (ROA) | 0.7985% | 3,499 |
| Pretax return on assets | 1.0453% | 3,241 |
| Return on Equity (ROE) | 9.3223% | 2,916 |
| Retained earnings to average equity (ytd only) | 0.3680% | 4,319 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5965% | 1,750 |
| Assets per employee ($millions) | 5.0694% | 3,566 |
| Cash dividends to net income (ytd only)* | 96.0526% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 3,264 |
| Loan loss allowance to noncurrent loans | 359.4595% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 3,192 |
| Noncurrent loans to loans | 0.3161% | 2,969 |
| Net loans and leases to total assets | 60.8803% | 2,416 |
| Net loans and leases to deposits | 67.3044% | 2,780 |
| Net loans and leases to core deposits | 69.1533% | 2,951 |
| Total domestic deposits to total assets | 90.4551% | 600 |
| Equity capital to assets | 8.3705% | 4,218 |
| Core capital (leverage) ratio | 8.2188% | 4,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,147,500 | 4,367 |
| Average earning assets | $72,640,000 | 4,322 |
| Average equity | $6,522,000 | 4,584 |
| Average total loans | $46,265,000 | 4,168 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1058% | 2,406 |
| Cost of funding earning assets | 0.3582% | 3,826 |
| Net interest margin | 3.7477% | 1,646 |
| Noninterest income to average assets | 0.5285% | 2,514 |
| Noninterest expense to average assets | 2.8317% | 1,861 |
| Loan and lease loss provision to assets | 0.1401% | 2,607 |
| Net operating income to assets | 0.8548% | 2,885 |
| Return on assets (ROA) | 0.8548% | 3,023 |
| Pretax return on assets | 1.0772% | 2,783 |
| Return on Equity (ROE) | 9.4229% | 2,230 |
| Retained earnings to average equity (ytd only) | 7.0990% | 1,359 |
| Net charge-offs to loans | 0.0089% | 3,012 |
| Credit loss provision to net charge-offs | 2,425.0000% | 382 |
| Earnings coverage of net charge-offs (x) | 210.7500% | 452 |
| Efficiency ratio | 69.9358% | 1,955 |
| Assets per employee ($millions) | 4.7659% | 3,640 |
| Cash dividends to net income (ytd only)* | 24.6622% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 3,268 |
| Loan loss allowance to noncurrent loans | 302.3256% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 3,153 |
| Noncurrent loans to loans | 0.3763% | 2,856 |
| Net loans and leases to total assets | 59.2546% | 2,953 |
| Net loans and leases to deposits | 65.8160% | 3,290 |
| Net loans and leases to core deposits | 67.6215% | 3,435 |
| Total domestic deposits to total assets | 90.0307% | 556 |
| Equity capital to assets | 8.7589% | 4,251 |
| Core capital (leverage) ratio | 8.5349% | 4,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,252,400 | 4,396 |
| Average earning assets | $65,054,000 | 4,371 |
| Average equity | $6,282,600 | 4,611 |
| Average total loans | $45,174,800 | 4,201 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0904% | 2,700 |
| Cost of funding earning assets | 0.3884% | 3,877 |
| Net interest margin | 3.7020% | 1,934 |
| Noninterest income to average assets | 0.5373% | 2,436 |
| Noninterest expense to average assets | 2.8897% | 1,729 |
| Loan and lease loss provision to assets | 0.1230% | 2,795 |
| Net operating income to assets | 0.7861% | 3,148 |
| Return on assets (ROA) | 0.7861% | 3,261 |
| Pretax return on assets | 0.9896% | 3,109 |
| Return on Equity (ROE) | 8.5818% | 2,571 |
| Retained earnings to average equity (ytd only) | 5.4337% | 2,359 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2113% | 1,618 |
| Assets per employee ($millions) | 4.3173% | 4,029 |
| Cash dividends to net income (ytd only)* | 36.6834% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0322% | 3,553 |
| Loan loss allowance to noncurrent loans | 271.6667% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.2606% | 3,137 |
| Noncurrent loans to loans | 0.3800% | 2,923 |
| Net loans and leases to total assets | 67.8721% | 2,264 |
| Net loans and leases to deposits | 76.1883% | 2,732 |
| Net loans and leases to core deposits | 78.0606% | 3,003 |
| Total domestic deposits to total assets | 89.0846% | 736 |
| Equity capital to assets | 9.4605% | 3,715 |
| Core capital (leverage) ratio | 8.6933% | 4,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,502,000 | 4,429 |
| Average earning assets | $63,171,000 | 4,412 |
| Average equity | $6,183,500 | 4,645 |
| Average total loans | $45,042,500 | 4,225 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1695% | 2,852 |
| Cost of funding earning assets | 0.4189% | 3,955 |
| Net interest margin | 3.7507% | 1,990 |
| Noninterest income to average assets | 0.5226% | 2,478 |
| Noninterest expense to average assets | 2.8517% | 1,968 |
| Loan and lease loss provision to assets | 0.1403% | 2,612 |
| Net operating income to assets | 0.8182% | 2,977 |
| Return on assets (ROA) | 0.8182% | 3,096 |
| Pretax return on assets | 1.0332% | 2,916 |
| Return on Equity (ROE) | 9.0335% | 2,350 |
| Retained earnings to average equity (ytd only) | 4.2200% | 2,813 |
| Net charge-offs to loans | 0.0090% | 2,623 |
| Credit loss provision to net charge-offs | 2,350.0000% | 428 |
| Earnings coverage of net charge-offs (x) | 196.5000% | 462 |
| Efficiency ratio | 70.8457% | 1,840 |
| Assets per employee ($millions) | 4.5917% | 3,660 |
| Cash dividends to net income (ytd only)* | 53.2847% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 3,516 |
| Loan loss allowance to noncurrent loans | 240.8163% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.3470% | 2,906 |
| Noncurrent loans to loans | 0.4204% | 2,903 |
| Net loans and leases to total assets | 67.0117% | 2,500 |
| Net loans and leases to deposits | 74.9038% | 2,980 |
| Net loans and leases to core deposits | 76.7344% | 3,228 |
| Total domestic deposits to total assets | 89.4637% | 588 |
| Equity capital to assets | 9.0961% | 4,002 |
| Core capital (leverage) ratio | 8.6109% | 4,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,977,000 | 4,445 |
| Average earning assets | $62,549,000 | 4,432 |
| Average equity | $6,066,333 | 4,682 |
| Average total loans | $44,265,667 | 4,253 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3529% | 2,770 |
| Cost of funding earning assets | 0.4582% | 4,122 |
| Net interest margin | 3.8947% | 1,686 |
| Noninterest income to average assets | 0.4422% | 2,832 |
| Noninterest expense to average assets | 2.8776% | 2,186 |
| Loan and lease loss provision to assets | 0.0727% | 2,823 |
| Net operating income to assets | 0.8724% | 2,607 |
| Return on assets (ROA) | 0.8724% | 2,713 |
| Pretax return on assets | 1.0965% | 2,536 |
| Return on Equity (ROE) | 9.6531% | 1,859 |
| Retained earnings to average equity (ytd only) | -0.1341% | 4,013 |
| Net charge-offs to loans | 0.0186% | 1,999 |
| Credit loss provision to net charge-offs | 600.0000% | 790 |
| Earnings coverage of net charge-offs (x) | 96.5000% | 593 |
| Efficiency ratio | 71.1078% | 2,201 |
| Assets per employee ($millions) | 5.0754% | 2,565 |
| Cash dividends to net income (ytd only)* | 101.3889% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 3,679 |
| Loan loss allowance to noncurrent loans | 173.4127% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 2,912 |
| Noncurrent loans to loans | 0.5796% | 2,553 |
| Net loans and leases to total assets | 65.2395% | 2,903 |
| Net loans and leases to deposits | 73.4832% | 3,325 |
| Net loans and leases to core deposits | 75.3642% | 3,540 |
| Total domestic deposits to total assets | 88.7814% | 764 |
| Equity capital to assets | 9.2498% | 4,432 |
| Core capital (leverage) ratio | 8.6720% | 4,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4773% | 1,482 |
| Memoranda: | ||
| Average total assets | $66,027,500 | 4,468 |
| Average earning assets | $61,109,000 | 4,464 |
| Average equity | $5,967,000 | 4,728 |
| Average total loans | $43,085,000 | 4,299 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 3,101 |
| Cost of funding earning assets | 0.4253% | 4,355 |
| Net interest margin | 4.0303% | 1,748 |
| Noninterest income to average assets | 0.6366% | 2,063 |
| Noninterest expense to average assets | 3.0658% | 1,838 |
| Loan and lease loss provision to assets | 0.0782% | 2,432 |
| Net operating income to assets | 0.9463% | 3,028 |
| Return on assets (ROA) | 0.9463% | 3,113 |
| Pretax return on assets | 1.1982% | 2,852 |
| Return on Equity (ROE) | 11.1030% | 1,844 |
| Retained earnings to average equity (ytd only) | 9.9835% | 493 |
| Net charge-offs to loans | 0.0386% | 2,612 |
| Credit loss provision to net charge-offs | 312.5000% | 890 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 1,113 |
| Efficiency ratio | 70.6052% | 2,080 |
| Assets per employee ($millions) | 5.0827% | 2,477 |
| Cash dividends to net income (ytd only)* | 10.0826% | 3,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,509 |
| Loan loss allowance to noncurrent loans | 159.9251% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.7295% | 1,778 |
| Noncurrent loans to loans | 0.6255% | 2,325 |
| Net loans and leases to total assets | 63.9591% | 3,204 |
| Net loans and leases to deposits | 71.7711% | 3,535 |
| Net loans and leases to core deposits | 73.5883% | 3,751 |
| Total domestic deposits to total assets | 89.1154% | 623 |
| Equity capital to assets | 8.8248% | 4,778 |
| Core capital (leverage) ratio | 8.7504% | 4,700 |
| Tier 1 risk-based capital ratio | 14.3171% | 3,108 |
| Total risk-based capital ratio | 15.3711% | 3,121 |
| Memoranda: | ||
| Average total assets | $63,930,800 | 4,530 |
| Average earning assets | $58,780,400 | 4,541 |
| Average equity | $5,449,000 | 4,833 |
| Average total loans | $41,466,600 | 4,378 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4614% | 3,173 |
| Cost of funding earning assets | 0.4118% | 4,461 |
| Net interest margin | 4.0496% | 1,767 |
| Noninterest income to average assets | 0.6204% | 2,104 |
| Noninterest expense to average assets | 3.0138% | 1,940 |
| Loan and lease loss provision to assets | 0.0631% | 2,630 |
| Net operating income to assets | 1.0053% | 2,963 |
| Return on assets (ROA) | 1.0053% | 3,042 |
| Pretax return on assets | 1.2661% | 2,763 |
| Return on Equity (ROE) | 11.9047% | 1,654 |
| Retained earnings to average equity (ytd only) | 10.3855% | 657 |
| Net charge-offs to loans | 0.0065% | 3,150 |
| Credit loss provision to net charge-offs | 1,500.0000% | 246 |
| Earnings coverage of net charge-offs (x) | 315.5993% | 302 |
| Efficiency ratio | 69.3947% | 2,205 |
| Assets per employee ($millions) | 4.6126% | 3,035 |
| Cash dividends to net income (ytd only)* | 12.7613% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9880% | 3,641 |
| Loan loss allowance to noncurrent loans | 150.8961% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.7650% | 1,799 |
| Noncurrent loans to loans | 0.6547% | 2,320 |
| Net loans and leases to total assets | 65.3344% | 3,136 |
| Net loans and leases to deposits | 73.5035% | 3,519 |
| Net loans and leases to core deposits | 75.4030% | 3,734 |
| Total domestic deposits to total assets | 88.8861% | 656 |
| Equity capital to assets | 8.8112% | 4,871 |
| Core capital (leverage) ratio | 8.8368% | 4,754 |
| Tier 1 risk-based capital ratio | 15.1218% | 2,795 |
| Total risk-based capital ratio | 16.2474% | 2,783 |
| Memoranda: | ||
| Average total assets | $63,394,750 | 4,593 |
| Average earning assets | $58,275,750 | 4,606 |
| Average equity | $5,353,500 | 4,905 |
| Average total loans | $41,161,250 | 4,439 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4166% | 3,286 |
| Cost of funding earning assets | 0.3962% | 4,526 |
| Net interest margin | 4.0204% | 1,854 |
| Noninterest income to average assets | 0.6317% | 2,015 |
| Noninterest expense to average assets | 3.0063% | 1,987 |
| Loan and lease loss provision to assets | 0.0952% | 1,948 |
| Net operating income to assets | 0.9809% | 2,989 |
| Return on assets (ROA) | 0.9809% | 3,058 |
| Pretax return on assets | 1.2349% | 2,802 |
| Return on Equity (ROE) | 11.7909% | 1,664 |
| Retained earnings to average equity (ytd only) | 9.4632% | 917 |
| Net charge-offs to loans | 0.0049% | 2,982 |
| Credit loss provision to net charge-offs | 3,000.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 419.0000% | 182 |
| Efficiency ratio | 69.3265% | 2,328 |
| Assets per employee ($millions) | 4.4043% | 3,278 |
| Cash dividends to net income (ytd only)* | 19.7411% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 3,601 |
| Loan loss allowance to noncurrent loans | 191.8182% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.6584% | 2,067 |
| Noncurrent loans to loans | 0.5230% | 2,710 |
| Net loans and leases to total assets | 63.0303% | 3,444 |
| Net loans and leases to deposits | 70.5122% | 3,799 |
| Net loans and leases to core deposits | 72.2721% | 3,988 |
| Total domestic deposits to total assets | 89.3892% | 508 |
| Equity capital to assets | 8.3433% | 5,099 |
| Core capital (leverage) ratio | 8.2455% | 5,086 |
| Tier 1 risk-based capital ratio | 14.1281% | 3,250 |
| Total risk-based capital ratio | 15.2233% | 3,243 |
| Memoranda: | ||
| Average total assets | $63,000,670 | 4,637 |
| Average earning assets | $58,053,670 | 4,647 |
| Average equity | $5,241,330 | 4,955 |
| Average total loans | $40,677,670 | 4,482 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3071% | 3,534 |
| Cost of funding earning assets | 0.3858% | 4,549 |
| Net interest margin | 3.9213% | 2,126 |
| Noninterest income to average assets | 0.5727% | 2,171 |
| Noninterest expense to average assets | 3.0324% | 1,902 |
| Loan and lease loss provision to assets | 0.0781% | 2,125 |
| Net operating income to assets | 0.8720% | 3,339 |
| Return on assets (ROA) | 0.8720% | 3,387 |
| Pretax return on assets | 1.0998% | 3,150 |
| Return on Equity (ROE) | 10.4975% | 2,155 |
| Retained earnings to average equity (ytd only) | 5.7188% | 2,585 |
| Net charge-offs to loans | 0.0100% | 2,331 |
| Credit loss provision to net charge-offs | 1,200.0000% | 321 |
| Earnings coverage of net charge-offs (x) | 181.0000% | 425 |
| Efficiency ratio | 72.0247% | 2,042 |
| Assets per employee ($millions) | 4.2399% | 3,560 |
| Cash dividends to net income (ytd only)* | 45.5224% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 3,703 |
| Loan loss allowance to noncurrent loans | 100.4975% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 1.0755% | 1,289 |
| Noncurrent loans to loans | 0.9959% | 1,678 |
| Net loans and leases to total assets | 62.8353% | 3,417 |
| Net loans and leases to deposits | 70.3358% | 3,747 |
| Net loans and leases to core deposits | 71.7644% | 3,962 |
| Total domestic deposits to total assets | 89.3361% | 717 |
| Equity capital to assets | 8.1858% | 5,131 |
| Core capital (leverage) ratio | 8.4793% | 5,022 |
| Tier 1 risk-based capital ratio | 14.0820% | 3,303 |
| Total risk-based capital ratio | 15.1712% | 3,299 |
| Memoranda: | ||
| Average total assets | $61,468,500 | 4,717 |
| Average earning assets | $57,021,500 | 4,723 |
| Average equity | $5,106,000 | 5,015 |
| Average total loans | $39,985,000 | 4,546 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2741% | 3,198 |
| Cost of funding earning assets | 0.3731% | 4,138 |
| Net interest margin | 3.9010% | 2,322 |
| Noninterest income to average assets | 0.5583% | 2,504 |
| Noninterest expense to average assets | 3.3263% | 1,264 |
| Loan and lease loss provision to assets | 0.0637% | 2,885 |
| Net operating income to assets | 0.4661% | 4,735 |
| Return on assets (ROA) | 0.4661% | 4,733 |
| Pretax return on assets | 0.5868% | 4,656 |
| Return on Equity (ROE) | 5.7535% | 4,251 |
| Retained earnings to average equity (ytd only) | 5.7535% | 2,321 |
| Net charge-offs to loans | 0.0623% | 2,235 |
| Credit loss provision to net charge-offs | 158.3333% | 1,752 |
| Earnings coverage of net charge-offs (x) | 16.1667% | 2,266 |
| Efficiency ratio | 83.6425% | 675 |
| Assets per employee ($millions) | 3.9559% | 3,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 3,746 |
| Loan loss allowance to noncurrent loans | 149.4297% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.9185% | 1,505 |
| Noncurrent loans to loans | 0.6641% | 2,334 |
| Net loans and leases to total assets | 66.0796% | 3,123 |
| Net loans and leases to deposits | 74.5953% | 3,452 |
| Net loans and leases to core deposits | 75.7247% | 3,741 |
| Total domestic deposits to total assets | 88.5842% | 1,033 |
| Equity capital to assets | 8.4363% | 4,973 |
| Core capital (leverage) ratio | 8.5178% | 5,022 |
| Tier 1 risk-based capital ratio | 14.6332% | 2,999 |
| Total risk-based capital ratio | 15.7577% | 2,972 |
| Memoranda: | ||
| Average total assets | $59,646,600 | 4,768 |
| Average earning assets | $52,268,400 | 4,811 |
| Average equity | $4,831,800 | 5,072 |
| Average total loans | $38,512,200 | 4,598 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2420% | 3,169 |
| Cost of funding earning assets | 0.3784% | 4,003 |
| Net interest margin | 3.8636% | 2,424 |
| Noninterest income to average assets | 0.5336% | 2,655 |
| Noninterest expense to average assets | 3.3442% | 1,212 |
| Loan and lease loss provision to assets | 0.0714% | 2,532 |
| Net operating income to assets | 0.4688% | 4,823 |
| Return on assets (ROA) | 0.4688% | 4,831 |
| Pretax return on assets | 0.4688% | 4,946 |
| Return on Equity (ROE) | 5.8474% | 4,301 |
| Retained earnings to average equity (ytd only) | 5.8474% | 2,735 |
| Net charge-offs to loans | 0.0662% | 1,884 |
| Credit loss provision to net charge-offs | 168.4211% | 1,583 |
| Earnings coverage of net charge-offs (x) | 12.7383% | 2,428 |
| Efficiency ratio | 86.0920% | 508 |
| Assets per employee ($millions) | 4.2162% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 3,708 |
| Loan loss allowance to noncurrent loans | 69.6270% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 0.9606% | 1,519 |
| Noncurrent loans to loans | 1.4477% | 1,135 |
| Net loans and leases to total assets | 65.2193% | 3,285 |
| Net loans and leases to deposits | 73.5616% | 3,635 |
| Net loans and leases to core deposits | 74.6732% | 3,897 |
| Total domestic deposits to total assets | 88.6594% | 972 |
| Equity capital to assets | 8.1539% | 5,109 |
| Core capital (leverage) ratio | 8.3075% | 5,200 |
| Tier 1 risk-based capital ratio | 12.7131% | 4,072 |
| Total risk-based capital ratio | 13.7120% | 4,108 |
| Memoranda: | ||
| Average total assets | $59,723,500 | 4,823 |
| Average earning assets | $51,798,750 | 4,879 |
| Average equity | $4,788,250 | 5,141 |
| Average total loans | $38,239,250 | 4,654 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1924% | 3,140 |
| Cost of funding earning assets | 0.3783% | 3,881 |
| Net interest margin | 3.8142% | 2,524 |
| Noninterest income to average assets | 0.5504% | 2,578 |
| Noninterest expense to average assets | 3.3325% | 1,244 |
| Loan and lease loss provision to assets | 0.0767% | 2,366 |
| Net operating income to assets | 0.4036% | 4,953 |
| Return on assets (ROA) | 0.4036% | 4,957 |
| Pretax return on assets | 0.4036% | 5,042 |
| Return on Equity (ROE) | 5.0628% | 4,533 |
| Retained earnings to average equity (ytd only) | 5.0628% | 3,045 |
| Net charge-offs to loans | 0.0947% | 1,400 |
| Credit loss provision to net charge-offs | 127.7778% | 1,738 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,507 |
| Efficiency ratio | 87.4016% | 500 |
| Assets per employee ($millions) | 4.2161% | 3,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 3,795 |
| Loan loss allowance to noncurrent loans | 65.7534% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 0.9962% | 1,510 |
| Noncurrent loans to loans | 1.5303% | 1,091 |
| Net loans and leases to total assets | 64.0034% | 3,399 |
| Net loans and leases to deposits | 72.2747% | 3,687 |
| Net loans and leases to core deposits | 73.3625% | 3,920 |
| Total domestic deposits to total assets | 88.5557% | 1,121 |
| Equity capital to assets | 8.0983% | 5,190 |
| Core capital (leverage) ratio | 8.1558% | 5,286 |
| Tier 1 risk-based capital ratio | 12.2387% | 4,350 |
| Total risk-based capital ratio | 13.1977% | 4,404 |
| Memoranda: | ||
| Average total assets | $59,955,670 | 4,872 |
| Average earning assets | $51,282,670 | 4,943 |
| Average equity | $4,780,000 | 5,195 |
| Average total loans | $38,022,670 | 4,704 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2363% | 2,761 |
| Cost of funding earning assets | 0.3858% | 3,689 |
| Net interest margin | 3.8505% | 2,221 |
| Noninterest income to average assets | 0.5230% | 2,669 |
| Noninterest expense to average assets | 3.3631% | 1,230 |
| Loan and lease loss provision to assets | 0.0794% | 2,190 |
| Net operating income to assets | 0.3178% | 5,067 |
| Return on assets (ROA) | 0.3178% | 5,072 |
| Pretax return on assets | 0.3178% | 5,148 |
| Return on Equity (ROE) | 4.0167% | 4,760 |
| Retained earnings to average equity (ytd only) | 4.0167% | 3,588 |
| Net charge-offs to loans | 0.1897% | 775 |
| Credit loss provision to net charge-offs | 66.6667% | 1,852 |
| Earnings coverage of net charge-offs (x) | 3.3333% | 2,397 |
| Efficiency ratio | 89.4366% | 470 |
| Assets per employee ($millions) | 4.0719% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 4,071 |
| Loan loss allowance to noncurrent loans | 62.4791% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 1.2427% | 1,209 |
| Noncurrent loans to loans | 1.5673% | 1,113 |
| Net loans and leases to total assets | 61.7538% | 3,575 |
| Net loans and leases to deposits | 69.3920% | 3,839 |
| Net loans and leases to core deposits | 70.7270% | 4,044 |
| Total domestic deposits to total assets | 88.9928% | 1,090 |
| Equity capital to assets | 7.7769% | 5,344 |
| Core capital (leverage) ratio | 7.9227% | 5,407 |
| Tier 1 risk-based capital ratio | 11.3323% | 4,961 |
| Total risk-based capital ratio | 12.2080% | 5,055 |
| Memoranda: | ||
| Average total assets | $60,421,000 | 4,919 |
| Average earning assets | $50,798,500 | 5,012 |
| Average equity | $4,780,000 | 5,251 |
| Average total loans | $37,953,000 | 4,750 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2746% | 2,413 |
| Cost of funding earning assets | 0.3985% | 3,271 |
| Net interest margin | 3.8761% | 2,162 |
| Noninterest income to average assets | 0.6247% | 2,333 |
| Noninterest expense to average assets | 3.3426% | 1,303 |
| Loan and lease loss provision to assets | 0.0267% | 3,760 |
| Net operating income to assets | 0.0356% | 5,322 |
| Return on assets (ROA) | 0.0356% | 5,327 |
| Pretax return on assets | 0.5624% | 4,822 |
| Return on Equity (ROE) | 0.4066% | 5,322 |
| Retained earnings to average equity (ytd only) | 0.4066% | 4,870 |
| Net charge-offs to loans | 0.0080% | 3,798 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 110.3333% | 604 |
| Efficiency ratio | 85.0158% | 701 |
| Assets per employee ($millions) | 3.5155% | 4,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 3,926 |
| Loan loss allowance to noncurrent loans | 86.9266% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 0.9989% | 1,545 |
| Noncurrent loans to loans | 1.1530% | 1,543 |
| Net loans and leases to total assets | 62.6397% | 3,539 |
| Net loans and leases to deposits | 70.9701% | 3,793 |
| Net loans and leases to core deposits | 72.3709% | 4,026 |
| Total domestic deposits to total assets | 88.2622% | 1,366 |
| Equity capital to assets | 8.0483% | 5,377 |
| Core capital (leverage) ratio | 8.1515% | 5,378 |
| Tier 1 risk-based capital ratio | 11.2992% | 4,982 |
| Total risk-based capital ratio | 12.1953% | 5,060 |
| Memoranda: | ||
| Average total assets | $56,183,600 | 5,044 |
| Average earning assets | $47,934,800 | 5,110 |
| Average equity | $4,918,800 | 5,285 |
| Average total loans | $37,671,800 | 4,802 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2715% | 2,354 |
| Cost of funding earning assets | 0.3998% | 3,192 |
| Net interest margin | 3.8717% | 2,135 |
| Noninterest income to average assets | 0.6053% | 2,450 |
| Noninterest expense to average assets | 3.3183% | 1,304 |
| Loan and lease loss provision to assets | 0.0362% | 3,391 |
| Net operating income to assets | 0.5667% | 4,523 |
| Return on assets (ROA) | 0.5667% | 4,561 |
| Pretax return on assets | 0.5667% | 4,898 |
| Return on Equity (ROE) | 6.3350% | 3,967 |
| Retained earnings to average equity (ytd only) | 6.3350% | 2,038 |
| Net charge-offs to loans | 0.0142% | 3,239 |
| Credit loss provision to net charge-offs | 375.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 62.5385% | 967 |
| Efficiency ratio | 84.6248% | 710 |
| Assets per employee ($millions) | 4.4068% | 3,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 4,112 |
| Loan loss allowance to noncurrent loans | 120.7668% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.9112% | 1,875 |
| Noncurrent loans to loans | 0.8210% | 2,318 |
| Net loans and leases to total assets | 65.8852% | 3,121 |
| Net loans and leases to deposits | 75.7917% | 3,390 |
| Net loans and leases to core deposits | 77.7798% | 3,659 |
| Total domestic deposits to total assets | 86.9294% | 1,892 |
| Equity capital to assets | 8.8848% | 5,007 |
| Core capital (leverage) ratio | 8.4697% | 5,265 |
| Tier 1 risk-based capital ratio | 12.4336% | 4,363 |
| Total risk-based capital ratio | 13.4372% | 4,401 |
| Memoranda: | ||
| Average total assets | $55,288,500 | 5,113 |
| Average earning assets | $47,351,500 | 5,172 |
| Average equity | $4,946,000 | 5,337 |
| Average total loans | $37,636,000 | 4,851 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2060% | 2,451 |
| Cost of funding earning assets | 0.3943% | 3,131 |
| Net interest margin | 3.8117% | 2,245 |
| Noninterest income to average assets | 0.7103% | 1,942 |
| Noninterest expense to average assets | 3.3723% | 1,221 |
| Loan and lease loss provision to assets | 0.0439% | 3,116 |
| Net operating income to assets | 0.5858% | 4,365 |
| Return on assets (ROA) | 0.5858% | 4,418 |
| Pretax return on assets | 0.5858% | 4,835 |
| Return on Equity (ROE) | 6.5333% | 3,808 |
| Retained earnings to average equity (ytd only) | 6.5333% | 1,827 |
| Net charge-offs to loans | -0.0107% | 4,559 |
| Credit loss provision to net charge-offs | -600.0000% | 4,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2635% | 826 |
| Assets per employee ($millions) | 3.6291% | 4,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9939% | 4,180 |
| Loan loss allowance to noncurrent loans | 88.9930% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.0508% | 1,667 |
| Noncurrent loans to loans | 1.1168% | 1,757 |
| Net loans and leases to total assets | 69.5391% | 2,590 |
| Net loans and leases to deposits | 80.6266% | 2,846 |
| Net loans and leases to core deposits | 82.8663% | 3,186 |
| Total domestic deposits to total assets | 86.2483% | 2,271 |
| Equity capital to assets | 9.2437% | 4,679 |
| Core capital (leverage) ratio | 8.4815% | 5,230 |
| Tier 1 risk-based capital ratio | 12.3934% | 4,358 |
| Total risk-based capital ratio | 13.4157% | 4,397 |
| Memoranda: | ||
| Average total assets | $54,621,670 | 5,160 |
| Average earning assets | $47,170,330 | 5,214 |
| Average equity | $4,898,000 | 5,384 |
| Average total loans | $37,473,670 | 4,889 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1621% | 2,418 |
| Cost of funding earning assets | 0.3939% | 3,052 |
| Net interest margin | 3.7682% | 2,231 |
| Noninterest income to average assets | 0.5629% | 2,586 |
| Noninterest expense to average assets | 3.4434% | 1,119 |
| Loan and lease loss provision to assets | 0.0877% | 2,077 |
| Net operating income to assets | 0.2486% | 5,307 |
| Return on assets (ROA) | 0.2486% | 5,323 |
| Pretax return on assets | 0.2486% | 5,378 |
| Return on Equity (ROE) | 2.8152% | 5,145 |
| Retained earnings to average equity (ytd only) | 2.8152% | 4,003 |
| Net charge-offs to loans | 0.0431% | 1,972 |
| Credit loss provision to net charge-offs | 300.0000% | 777 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 1,886 |
| Efficiency ratio | 91.1025% | 500 |
| Assets per employee ($millions) | 3.8679% | 4,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 4,285 |
| Loan loss allowance to noncurrent loans | 84.8416% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.7230% | 859 |
| Noncurrent loans to loans | 1.1791% | 1,721 |
| Net loans and leases to total assets | 68.5319% | 2,601 |
| Net loans and leases to deposits | 79.4851% | 2,810 |
| Net loans and leases to core deposits | 81.2444% | 3,170 |
| Total domestic deposits to total assets | 86.2198% | 2,571 |
| Equity capital to assets | 8.9825% | 4,821 |
| Core capital (leverage) ratio | 8.2896% | 5,385 |
| Tier 1 risk-based capital ratio | 12.0471% | 4,678 |
| Total risk-based capital ratio | 13.0550% | 4,752 |
| Memoranda: | ||
| Average total assets | $54,714,000 | 5,212 |
| Average earning assets | $46,707,000 | 5,282 |
| Average equity | $4,831,000 | 5,451 |
| Average total loans | $37,093,000 | 4,940 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1647% | 2,612 |
| Cost of funding earning assets | 0.3800% | 3,205 |
| Net interest margin | 3.7847% | 2,373 |
| Noninterest income to average assets | 0.5791% | 2,765 |
| Noninterest expense to average assets | 3.6160% | 990 |
| Loan and lease loss provision to assets | 0.3585% | 467 |
| Net operating income to assets | -0.0606% | 5,670 |
| Return on assets (ROA) | -0.0147% | 5,670 |
| Pretax return on assets | -0.0460% | 5,672 |
| Return on Equity (ROE) | -0.1615% | 5,670 |
| Retained earnings to average equity (ytd only) | -0.1615% | 5,330 |
| Net charge-offs to loans | 0.2943% | 944 |
| Credit loss provision to net charge-offs | 178.8991% | 1,565 |
| Earnings coverage of net charge-offs (x) | 1.2018% | 4,025 |
| Efficiency ratio | 93.7560% | 389 |
| Assets per employee ($millions) | 3.6852% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 4,329 |
| Loan loss allowance to noncurrent loans | 232.2785% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 1.1741% | 1,555 |
| Noncurrent loans to loans | 0.4305% | 3,600 |
| Net loans and leases to total assets | 65.7296% | 3,110 |
| Net loans and leases to deposits | 76.3223% | 3,286 |
| Net loans and leases to core deposits | 78.3939% | 3,547 |
| Total domestic deposits to total assets | 86.1211% | 2,525 |
| Equity capital to assets | 8.6798% | 5,124 |
| Core capital (leverage) ratio | 7.9982% | 5,622 |
| Tier 1 risk-based capital ratio | 11.9191% | 4,784 |
| Total risk-based capital ratio | 12.9027% | 4,864 |
| Memoranda: | ||
| Average total assets | $54,397,800 | 5,260 |
| Average earning assets | $47,110,200 | 5,308 |
| Average equity | $4,955,000 | 5,476 |
| Average total loans | $37,041,200 | 4,980 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0986% | 2,882 |
| Cost of funding earning assets | 0.3744% | 3,290 |
| Net interest margin | 3.7242% | 2,623 |
| Noninterest income to average assets | 0.5316% | 3,039 |
| Noninterest expense to average assets | 3.5413% | 1,076 |
| Loan and lease loss provision to assets | 0.1772% | 1,263 |
| Net operating income to assets | 0.0689% | 5,658 |
| Return on assets (ROA) | 0.1649% | 5,581 |
| Pretax return on assets | 0.1649% | 5,600 |
| Return on Equity (ROE) | 1.7887% | 5,511 |
| Retained earnings to average equity (ytd only) | 1.7887% | 4,792 |
| Net charge-offs to loans | 0.0144% | 3,453 |
| Credit loss provision to net charge-offs | 1,800.0000% | 259 |
| Earnings coverage of net charge-offs (x) | 25.0150% | 1,650 |
| Efficiency ratio | 93.5023% | 405 |
| Assets per employee ($millions) | 3.4795% | 4,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9225% | 4,792 |
| Loan loss allowance to noncurrent loans | 46.5955% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 1.8699% | 867 |
| Noncurrent loans to loans | 1.9799% | 1,000 |
| Net loans and leases to total assets | 67.3265% | 2,901 |
| Net loans and leases to deposits | 78.9893% | 3,081 |
| Net loans and leases to core deposits | 81.2389% | 3,338 |
| Total domestic deposits to total assets | 85.2349% | 2,703 |
| Equity capital to assets | 9.0566% | 5,120 |
| Core capital (leverage) ratio | 8.0860% | 5,647 |
| Tier 1 risk-based capital ratio | 12.8283% | 4,261 |
| Total risk-based capital ratio | 13.8290% | 4,334 |
| Memoranda: | ||
| Average total assets | $54,177,750 | 5,309 |
| Average earning assets | $47,365,000 | 5,352 |
| Average equity | $4,994,250 | 5,526 |
| Average total loans | $37,126,250 | 5,022 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0533% | 3,051 |
| Cost of funding earning assets | 0.3681% | 3,374 |
| Net interest margin | 3.6852% | 2,750 |
| Noninterest income to average assets | 0.5477% | 2,911 |
| Noninterest expense to average assets | 3.5321% | 1,111 |
| Loan and lease loss provision to assets | 0.1788% | 1,224 |
| Net operating income to assets | 0.0820% | 5,686 |
| Return on assets (ROA) | 0.2273% | 5,538 |
| Pretax return on assets | 0.2273% | 5,583 |
| Return on Equity (ROE) | 2.4506% | 5,402 |
| Retained earnings to average equity (ytd only) | 2.4506% | 4,330 |
| Net charge-offs to loans | 0.0054% | 3,510 |
| Credit loss provision to net charge-offs | 4,800.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 776 |
| Efficiency ratio | 93.1238% | 443 |
| Assets per employee ($millions) | 3.7275% | 4,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8661% | 5,071 |
| Loan loss allowance to noncurrent loans | 39.8542% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 1.6812% | 1,073 |
| Noncurrent loans to loans | 2.1733% | 874 |
| Net loans and leases to total assets | 67.1418% | 2,920 |
| Net loans and leases to deposits | 78.8014% | 3,077 |
| Net loans and leases to core deposits | 80.5947% | 3,407 |
| Total domestic deposits to total assets | 85.2038% | 2,781 |
| Equity capital to assets | 8.9943% | 5,242 |
| Core capital (leverage) ratio | 8.1666% | 5,614 |
| Tier 1 risk-based capital ratio | 11.9976% | 4,831 |
| Total risk-based capital ratio | 12.8788% | 4,977 |
| Memoranda: | ||
| Average total assets | $53,679,670 | 5,383 |
| Average earning assets | $47,269,670 | 5,414 |
| Average equity | $4,978,330 | 5,591 |
| Average total loans | $36,891,330 | 5,079 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0517% | 3,025 |
| Cost of funding earning assets | 0.3904% | 3,183 |
| Net interest margin | 3.6613% | 2,846 |
| Noninterest income to average assets | 0.6088% | 2,474 |
| Noninterest expense to average assets | 3.5767% | 1,055 |
| Loan and lease loss provision to assets | 0.1826% | 1,097 |
| Net operating income to assets | 0.0609% | 5,728 |
| Return on assets (ROA) | 0.0609% | 5,767 |
| Pretax return on assets | 0.0609% | 5,773 |
| Return on Equity (ROE) | 0.6461% | 5,754 |
| Retained earnings to average equity (ytd only) | 0.6461% | 4,955 |
| Net charge-offs to loans | -0.0330% | 5,107 |
| Credit loss provision to net charge-offs | -800.0000% | 4,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6255% | 467 |
| Assets per employee ($millions) | 3.5175% | 4,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8416% | 5,251 |
| Loan loss allowance to noncurrent loans | 36.9305% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 2.2554% | 716 |
| Noncurrent loans to loans | 2.2790% | 881 |
| Net loans and leases to total assets | 68.7749% | 2,530 |
| Net loans and leases to deposits | 81.7662% | 2,573 |
| Net loans and leases to core deposits | 84.2473% | 2,914 |
| Total domestic deposits to total assets | 84.1117% | 3,475 |
| Equity capital to assets | 9.4329% | 4,737 |
| Core capital (leverage) ratio | 8.3172% | 5,554 |
| Tier 1 risk-based capital ratio | 12.5355% | 4,551 |
| Total risk-based capital ratio | 13.4102% | 4,707 |
| Memoranda: | ||
| Average total assets | $52,563,000 | 5,460 |
| Average earning assets | $46,104,000 | 5,489 |
| Average equity | $4,953,000 | 5,633 |
| Average total loans | $36,402,500 | 5,133 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1963% | 2,572 |
| Cost of funding earning assets | 0.4249% | 2,898 |
| Net interest margin | 3.7714% | 2,475 |
| Noninterest income to average assets | 0.5175% | 3,215 |
| Noninterest expense to average assets | 3.4512% | 1,381 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3158% | 5,320 |
| Return on assets (ROA) | 0.3158% | 5,400 |
| Pretax return on assets | 0.3253% | 5,469 |
| Return on Equity (ROE) | 3.4286% | 5,156 |
| Retained earnings to average equity (ytd only) | 3.4286% | 3,614 |
| Net charge-offs to loans | 0.5580% | 441 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.8465% | 4,170 |
| Efficiency ratio | 91.3854% | 603 |
| Assets per employee ($millions) | 3.7403% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7760% | 5,474 |
| Loan loss allowance to noncurrent loans | 44.9600% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 1.8734% | 981 |
| Noncurrent loans to loans | 1.7260% | 1,305 |
| Net loans and leases to total assets | 68.6139% | 2,611 |
| Net loans and leases to deposits | 82.3003% | 2,552 |
| Net loans and leases to core deposits | 82.3003% | 3,112 |
| Total domestic deposits to total assets | 83.3703% | 3,717 |
| Equity capital to assets | 9.4130% | 4,657 |
| Core capital (leverage) ratio | 8.3908% | 5,533 |
| Tier 1 risk-based capital ratio | 12.4954% | 4,636 |
| Total risk-based capital ratio | 13.2884% | 4,825 |
| Memoranda: | ||
| Average total assets | $52,561,200 | 5,493 |
| Average earning assets | $45,420,800 | 5,546 |
| Average equity | $4,841,600 | 5,687 |
| Average total loans | $36,198,400 | 5,148 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1878% | 2,621 |
| Cost of funding earning assets | 0.4382% | 2,820 |
| Net interest margin | 3.7496% | 2,565 |
| Noninterest income to average assets | 0.4739% | 3,546 |
| Noninterest expense to average assets | 3.4086% | 1,463 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2965% | 5,459 |
| Return on assets (ROA) | 0.2965% | 5,542 |
| Pretax return on assets | 0.2965% | 5,645 |
| Return on Equity (ROE) | 3.2367% | 5,303 |
| Retained earnings to average equity (ytd only) | 3.2367% | 4,155 |
| Net charge-offs to loans | 0.0626% | 2,698 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 6.8813% | 2,983 |
| Efficiency ratio | 91.9973% | 572 |
| Assets per employee ($millions) | 4.0555% | 3,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 3,210 |
| Loan loss allowance to noncurrent loans | 52.6554% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 2.3539% | 765 |
| Noncurrent loans to loans | 2.4300% | 847 |
| Net loans and leases to total assets | 68.1954% | 2,648 |
| Net loans and leases to deposits | 82.3462% | 2,603 |
| Net loans and leases to core deposits | 83.7659% | 3,069 |
| Total domestic deposits to total assets | 82.8155% | 3,875 |
| Equity capital to assets | 9.3035% | 4,999 |
| Core capital (leverage) ratio | 8.5870% | 5,474 |
| Tier 1 risk-based capital ratio | 13.0980% | 4,377 |
| Total risk-based capital ratio | 14.3568% | 4,291 |
| Memoranda: | ||
| Average total assets | $52,610,500 | 5,559 |
| Average earning assets | $45,336,750 | 5,621 |
| Average equity | $4,819,750 | 5,768 |
| Average total loans | $36,195,500 | 5,207 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2248% | 2,454 |
| Cost of funding earning assets | 0.4655% | 2,556 |
| Net interest margin | 3.7593% | 2,479 |
| Noninterest income to average assets | 0.3956% | 4,105 |
| Noninterest expense to average assets | 3.4542% | 1,373 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1674% | 5,773 |
| Return on assets (ROA) | 0.1674% | 5,827 |
| Pretax return on assets | 0.1674% | 5,860 |
| Return on Equity (ROE) | 1.8367% | 5,718 |
| Retained earnings to average equity (ytd only) | 1.8367% | 4,780 |
| Net charge-offs to loans | -0.0111% | 4,957 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3782% | 465 |
| Assets per employee ($millions) | 4.0116% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 2,933 |
| Loan loss allowance to noncurrent loans | 58.2933% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 2.3662% | 837 |
| Noncurrent loans to loans | 2.3330% | 1,005 |
| Net loans and leases to total assets | 67.4541% | 2,723 |
| Net loans and leases to deposits | 81.6024% | 2,611 |
| Net loans and leases to core deposits | 83.6237% | 3,021 |
| Total domestic deposits to total assets | 82.6619% | 4,074 |
| Equity capital to assets | 9.2155% | 5,000 |
| Core capital (leverage) ratio | 8.2097% | 5,782 |
| Tier 1 risk-based capital ratio | 12.2274% | 4,978 |
| Total risk-based capital ratio | 13.4860% | 4,878 |
| Memoranda: | ||
| Average total assets | $52,573,330 | 5,623 |
| Average earning assets | $45,114,330 | 5,682 |
| Average equity | $4,791,330 | 5,834 |
| Average total loans | $36,120,670 | 5,252 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0979% | 2,839 |
| Cost of funding earning assets | 0.4573% | 2,703 |
| Net interest margin | 3.6406% | 2,856 |
| Noninterest income to average assets | 0.1970% | 5,535 |
| Noninterest expense to average assets | 3.4177% | 1,458 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0834% | 6,084 |
| Return on assets (ROA) | -0.0834% | 6,116 |
| Pretax return on assets | -0.0834% | 6,107 |
| Return on Equity (ROE) | -0.9197% | 6,121 |
| Retained earnings to average equity (ytd only) | -0.9197% | 5,544 |
| Net charge-offs to loans | -0.0110% | 4,762 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5000% | 303 |
| Assets per employee ($millions) | 3.8328% | 4,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 3,147 |
| Loan loss allowance to noncurrent loans | 60.8040% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 2.2755% | 995 |
| Noncurrent loans to loans | 2.2192% | 1,135 |
| Net loans and leases to total assets | 65.9442% | 2,782 |
| Net loans and leases to deposits | 79.6099% | 2,606 |
| Net loans and leases to core deposits | 81.5135% | 3,005 |
| Total domestic deposits to total assets | 82.8342% | 4,222 |
| Equity capital to assets | 8.9267% | 5,369 |
| Core capital (leverage) ratio | 8.0764% | 5,896 |
| Tier 1 risk-based capital ratio | 11.8404% | 5,340 |
| Total risk-based capital ratio | 13.0888% | 5,236 |
| Memoranda: | ||
| Average total assets | $52,784,500 | 5,667 |
| Average earning assets | $45,486,500 | 5,726 |
| Average equity | $4,784,000 | 5,888 |
| Average total loans | $36,349,500 | 5,280 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4080% | 2,193 |
| Cost of funding earning assets | 0.5031% | 2,646 |
| Net interest margin | 3.9049% | 2,219 |
| Noninterest income to average assets | 0.6584% | 2,513 |
| Noninterest expense to average assets | 3.5255% | 1,428 |
| Loan and lease loss provision to assets | 0.0019% | 4,569 |
| Net operating income to assets | 0.3977% | 5,232 |
| Return on assets (ROA) | -0.0656% | 6,141 |
| Pretax return on assets | -0.2066% | 6,195 |
| Return on Equity (ROE) | -0.6976% | 6,150 |
| Retained earnings to average equity (ytd only) | -1.1900% | 5,943 |
| Net charge-offs to loans | 0.2874% | 1,513 |
| Credit loss provision to net charge-offs | 0.9901% | 4,198 |
| Earnings coverage of net charge-offs (x) | 2.6634% | 4,096 |
| Efficiency ratio | 87.1599% | 1,059 |
| Assets per employee ($millions) | 3.7079% | 4,511 |
| Cash dividends to net income (ytd only)* | -70.5882% | 6,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 3,357 |
| Loan loss allowance to noncurrent loans | 74.7678% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 2.1730% | 1,129 |
| Noncurrent loans to loans | 1.7540% | 1,646 |
| Net loans and leases to total assets | 70.0193% | 2,235 |
| Net loans and leases to deposits | 85.3697% | 2,053 |
| Net loans and leases to core deposits | 87.4946% | 2,551 |
| Total domestic deposits to total assets | 82.0189% | 4,415 |
| Equity capital to assets | 9.2044% | 5,067 |
| Core capital (leverage) ratio | 8.3321% | 5,746 |
| Tier 1 risk-based capital ratio | 12.2275% | 5,208 |
| Total risk-based capital ratio | 13.4789% | 5,116 |
| Memoranda: | ||
| Average total assets | $51,794,800 | 5,747 |
| Average earning assets | $44,918,400 | 5,803 |
| Average equity | $4,873,800 | 5,888 |
| Average total loans | $35,148,600 | 5,358 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4309% | 2,115 |
| Cost of funding earning assets | 0.4956% | 2,806 |
| Net interest margin | 3.9353% | 2,091 |
| Noninterest income to average assets | 0.6568% | 2,540 |
| Noninterest expense to average assets | 3.5003% | 1,458 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5718% | 4,585 |
| Return on assets (ROA) | 0.5718% | 4,660 |
| Pretax return on assets | 0.5718% | 5,120 |
| Return on Equity (ROE) | 6.0434% | 4,210 |
| Retained earnings to average equity (ytd only) | 5.3900% | 2,831 |
| Net charge-offs to loans | 0.3916% | 1,016 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.1764% | 3,974 |
| Efficiency ratio | 85.9583% | 1,186 |
| Assets per employee ($millions) | 3.5581% | 4,758 |
| Cash dividends to net income (ytd only)* | 10.8112% | 3,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 3,512 |
| Loan loss allowance to noncurrent loans | 89.5717% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.9186% | 1,522 |
| Noncurrent loans to loans | 1.4810% | 2,192 |
| Net loans and leases to total assets | 67.0351% | 2,679 |
| Net loans and leases to deposits | 81.8625% | 2,444 |
| Net loans and leases to core deposits | 83.3035% | 2,961 |
| Total domestic deposits to total assets | 81.8875% | 4,514 |
| Equity capital to assets | 9.4132% | 4,903 |
| Core capital (leverage) ratio | 9.1345% | 4,877 |
| Tier 1 risk-based capital ratio | 13.5755% | 4,491 |
| Total risk-based capital ratio | 14.8263% | 4,434 |
| Memoranda: | ||
| Average total assets | $51,766,000 | 5,811 |
| Average earning assets | $44,926,000 | 5,869 |
| Average equity | $4,897,750 | 5,941 |
| Average total loans | $34,728,250 | 5,426 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4261% | 2,079 |
| Cost of funding earning assets | 0.4893% | 2,931 |
| Net interest margin | 3.9368% | 2,023 |
| Noninterest income to average assets | 0.7066% | 2,251 |
| Noninterest expense to average assets | 3.5487% | 1,392 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5817% | 4,444 |
| Return on assets (ROA) | 0.5817% | 4,547 |
| Pretax return on assets | 0.5817% | 5,012 |
| Return on Equity (ROE) | 6.1372% | 4,083 |
| Retained earnings to average equity (ytd only) | 5.1486% | 2,863 |
| Net charge-offs to loans | 0.6079% | 661 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.4327% | 3,807 |
| Efficiency ratio | 85.9168% | 1,278 |
| Assets per employee ($millions) | 4.3042% | 3,268 |
| Cash dividends to net income (ytd only)* | 16.1074% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 3,488 |
| Loan loss allowance to noncurrent loans | 90.7197% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 2.0019% | 1,602 |
| Noncurrent loans to loans | 1.5097% | 2,310 |
| Net loans and leases to total assets | 66.7841% | 2,621 |
| Net loans and leases to deposits | 79.1528% | 2,635 |
| Net loans and leases to core deposits | 81.0632% | 3,093 |
| Total domestic deposits to total assets | 84.3737% | 3,793 |
| Equity capital to assets | 9.5799% | 4,652 |
| Core capital (leverage) ratio | 9.0588% | 4,928 |
| Tier 1 risk-based capital ratio | 13.9014% | 4,324 |
| Total risk-based capital ratio | 15.1530% | 4,269 |
| Memoranda: | ||
| Average total assets | $51,230,670 | 5,873 |
| Average earning assets | $44,554,000 | 5,932 |
| Average equity | $4,855,670 | 5,990 |
| Average total loans | $34,218,000 | 5,480 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3957% | 2,150 |
| Cost of funding earning assets | 0.4844% | 3,067 |
| Net interest margin | 3.9112% | 2,051 |
| Noninterest income to average assets | 0.6821% | 2,274 |
| Noninterest expense to average assets | 3.5358% | 1,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5645% | 4,389 |
| Return on assets (ROA) | 0.5645% | 4,465 |
| Pretax return on assets | 0.5645% | 4,968 |
| Return on Equity (ROE) | 5.9881% | 4,032 |
| Retained earnings to average equity (ytd only) | 3.9921% | 3,719 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2333% | 1,429 |
| Assets per employee ($millions) | 4.2588% | 3,423 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7202% | 2,284 |
| Loan loss allowance to noncurrent loans | 114.3137% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 2.1055% | 1,589 |
| Noncurrent loans to loans | 1.5048% | 2,535 |
| Net loans and leases to total assets | 65.1776% | 2,696 |
| Net loans and leases to deposits | 75.5289% | 2,868 |
| Net loans and leases to core deposits | 77.3225% | 3,274 |
| Total domestic deposits to total assets | 86.2949% | 3,214 |
| Equity capital to assets | 9.5216% | 4,473 |
| Core capital (leverage) ratio | 9.0732% | 4,905 |
| Tier 1 risk-based capital ratio | 14.2145% | 4,187 |
| Total risk-based capital ratio | 15.4726% | 4,124 |
| Memoranda: | ||
| Average total assets | $51,021,000 | 5,937 |
| Average earning assets | $44,589,500 | 5,985 |
| Average equity | $4,809,500 | 6,042 |
| Average total loans | $33,840,500 | 5,548 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4962% | 2,224 |
| Cost of funding earning assets | 0.5433% | 3,170 |
| Net interest margin | 3.9529% | 2,095 |
| Noninterest income to average assets | 0.7137% | 2,462 |
| Noninterest expense to average assets | 3.4998% | 1,649 |
| Loan and lease loss provision to assets | 0.0256% | 4,618 |
| Net operating income to assets | 0.8396% | 3,091 |
| Return on assets (ROA) | 0.8396% | 3,170 |
| Pretax return on assets | 0.4070% | 5,483 |
| Return on Equity (ROE) | 9.4177% | 2,362 |
| Retained earnings to average equity (ytd only) | 9.4177% | 675 |
| Net charge-offs to loans | -0.0484% | 6,330 |
| Credit loss provision to net charge-offs | -86.6667% | 5,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0000% | 1,107 |
| Assets per employee ($millions) | 3.9182% | 4,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7254% | 2,321 |
| Loan loss allowance to noncurrent loans | 121.9665% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 2.0496% | 1,752 |
| Noncurrent loans to loans | 1.4147% | 2,770 |
| Net loans and leases to total assets | 65.1903% | 2,827 |
| Net loans and leases to deposits | 75.4356% | 3,039 |
| Net loans and leases to core deposits | 77.2251% | 3,461 |
| Total domestic deposits to total assets | 86.4185% | 3,034 |
| Equity capital to assets | 9.3311% | 4,651 |
| Core capital (leverage) ratio | 8.9714% | 5,049 |
| Tier 1 risk-based capital ratio | 13.4343% | 4,694 |
| Total risk-based capital ratio | 14.6887% | 4,632 |
| Memoranda: | ||
| Average total assets | $50,860,200 | 5,996 |
| Average earning assets | $41,412,600 | 6,129 |
| Average equity | $4,534,000 | 6,195 |
| Average total loans | $30,968,800 | 5,711 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5194% | 2,157 |
| Cost of funding earning assets | 0.5563% | 3,200 |
| Net interest margin | 3.9631% | 2,062 |
| Noninterest income to average assets | 0.7107% | 2,549 |
| Noninterest expense to average assets | 3.4748% | 1,662 |
| Loan and lease loss provision to assets | 0.0341% | 4,335 |
| Net operating income to assets | 0.3593% | 5,406 |
| Return on assets (ROA) | 0.3593% | 5,538 |
| Pretax return on assets | 0.3593% | 5,720 |
| Return on Equity (ROE) | 4.0779% | 5,187 |
| Retained earnings to average equity (ytd only) | 4.0779% | 3,788 |
| Net charge-offs to loans | -0.2731% | 6,709 |
| Credit loss provision to net charge-offs | -20.9677% | 5,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8305% | 1,008 |
| Assets per employee ($millions) | 3.5921% | 4,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9935% | 1,736 |
| Loan loss allowance to noncurrent loans | 131.2500% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 2.1953% | 1,813 |
| Noncurrent loans to loans | 1.5188% | 2,889 |
| Net loans and leases to total assets | 61.5900% | 3,443 |
| Net loans and leases to deposits | 70.9609% | 3,648 |
| Net loans and leases to core deposits | 72.6520% | 4,013 |
| Total domestic deposits to total assets | 86.7943% | 2,806 |
| Equity capital to assets | 8.8906% | 5,309 |
| Core capital (leverage) ratio | 8.6162% | 5,638 |
| Tier 1 risk-based capital ratio | 14.1492% | 4,322 |
| Total risk-based capital ratio | 15.4090% | 4,262 |
| Memoranda: | ||
| Average total assets | $50,841,000 | 6,065 |
| Average earning assets | $40,506,250 | 6,222 |
| Average equity | $4,479,250 | 6,292 |
| Average total loans | $30,263,750 | 5,800 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4950% | 2,218 |
| Cost of funding earning assets | 0.5613% | 3,293 |
| Net interest margin | 3.9338% | 2,093 |
| Noninterest income to average assets | 0.7487% | 2,420 |
| Noninterest expense to average assets | 3.4179% | 1,784 |
| Loan and lease loss provision to assets | 0.0510% | 3,970 |
| Net operating income to assets | 0.3567% | 5,379 |
| Return on assets (ROA) | 0.3567% | 5,556 |
| Pretax return on assets | 0.3567% | 5,735 |
| Return on Equity (ROE) | 4.0607% | 5,196 |
| Retained earnings to average equity (ytd only) | 4.0607% | 3,714 |
| Net charge-offs to loans | 0.1677% | 2,773 |
| Credit loss provision to net charge-offs | 52.0000% | 3,176 |
| Earnings coverage of net charge-offs (x) | 4.1600% | 3,203 |
| Efficiency ratio | 89.3443% | 1,099 |
| Assets per employee ($millions) | 4.1782% | 3,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8020% | 2,427 |
| Loan loss allowance to noncurrent loans | 83.1547% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 2.5609% | 1,639 |
| Noncurrent loans to loans | 2.1671% | 2,219 |
| Net loans and leases to total assets | 59.0171% | 3,828 |
| Net loans and leases to deposits | 67.9387% | 4,024 |
| Net loans and leases to core deposits | 69.5564% | 4,316 |
| Total domestic deposits to total assets | 86.8682% | 2,900 |
| Equity capital to assets | 8.8755% | 5,358 |
| Core capital (leverage) ratio | 8.4599% | 5,716 |
| Tier 1 risk-based capital ratio | 14.4334% | 4,140 |
| Total risk-based capital ratio | 15.6917% | 4,100 |
| Memoranda: | ||
| Average total assets | $51,025,000 | 6,101 |
| Average earning assets | $39,910,670 | 6,287 |
| Average equity | $4,482,000 | 6,335 |
| Average total loans | $29,817,330 | 5,851 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5426% | 2,013 |
| Cost of funding earning assets | 0.5716% | 3,362 |
| Net interest margin | 3.9709% | 1,889 |
| Noninterest income to average assets | 0.7927% | 2,152 |
| Noninterest expense to average assets | 3.3418% | 1,980 |
| Loan and lease loss provision to assets | 0.1010% | 2,991 |
| Net operating income to assets | 0.3730% | 5,247 |
| Return on assets (ROA) | 0.3730% | 5,383 |
| Pretax return on assets | 0.3730% | 5,639 |
| Return on Equity (ROE) | 4.2686% | 4,960 |
| Retained earnings to average equity (ytd only) | 4.2686% | 3,664 |
| Net charge-offs to loans | 0.1888% | 2,279 |
| Credit loss provision to net charge-offs | 92.8571% | 1,973 |
| Earnings coverage of net charge-offs (x) | 4.3571% | 2,576 |
| Efficiency ratio | 87.5764% | 1,368 |
| Assets per employee ($millions) | 3.9281% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8663% | 2,396 |
| Loan loss allowance to noncurrent loans | 68.6493% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 2.7181% | 1,668 |
| Noncurrent loans to loans | 2.7185% | 1,881 |
| Net loans and leases to total assets | 57.0469% | 3,917 |
| Net loans and leases to deposits | 65.6000% | 4,107 |
| Net loans and leases to core deposits | 67.1252% | 4,403 |
| Total domestic deposits to total assets | 86.9617% | 2,984 |
| Equity capital to assets | 8.8691% | 5,646 |
| Core capital (leverage) ratio | 8.3071% | 5,818 |
| Tier 1 risk-based capital ratio | 14.4634% | 4,207 |
| Total risk-based capital ratio | 15.7208% | 4,163 |
| Memoranda: | ||
| Average total assets | $51,468,500 | 6,142 |
| Average earning assets | $39,185,000 | 6,361 |
| Average equity | $4,498,000 | 6,389 |
| Average total loans | $29,659,500 | 5,909 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9267% | 1,758 |
| Cost of funding earning assets | 0.6930% | 3,552 |
| Net interest margin | 4.2338% | 1,567 |
| Noninterest income to average assets | 0.8253% | 2,153 |
| Noninterest expense to average assets | 3.3739% | 2,118 |
| Loan and lease loss provision to assets | 0.2725% | 2,467 |
| Net operating income to assets | 0.4607% | 4,838 |
| Return on assets (ROA) | 0.4607% | 5,085 |
| Pretax return on assets | 0.4607% | 5,395 |
| Return on Equity (ROE) | 5.4285% | 4,467 |
| Retained earnings to average equity (ytd only) | 5.4285% | 2,426 |
| Net charge-offs to loans | 0.5419% | 2,105 |
| Credit loss provision to net charge-offs | 83.7349% | 3,700 |
| Earnings coverage of net charge-offs (x) | 2.2530% | 4,292 |
| Efficiency ratio | 82.1480% | 1,844 |
| Assets per employee ($millions) | 3.9902% | 3,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8695% | 2,387 |
| Loan loss allowance to noncurrent loans | 55.1244% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 2.7452% | 1,754 |
| Noncurrent loans to loans | 3.3914% | 1,490 |
| Net loans and leases to total assets | 56.0611% | 4,283 |
| Net loans and leases to deposits | 64.2624% | 4,500 |
| Net loans and leases to core deposits | 65.7235% | 4,771 |
| Total domestic deposits to total assets | 87.2378% | 2,682 |
| Equity capital to assets | 8.6116% | 5,957 |
| Core capital (leverage) ratio | 8.3553% | 5,820 |
| Tier 1 risk-based capital ratio | 15.1460% | 3,640 |
| Total risk-based capital ratio | 16.4057% | 3,581 |
| Memoranda: | ||
| Average total assets | $51,009,200 | 6,182 |
| Average earning assets | $39,539,400 | 6,376 |
| Average equity | $4,329,000 | 6,483 |
| Average total loans | $30,632,400 | 5,919 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9787% | 1,746 |
| Cost of funding earning assets | 0.7218% | 3,579 |
| Net interest margin | 4.2569% | 1,583 |
| Noninterest income to average assets | 0.8584% | 1,987 |
| Noninterest expense to average assets | 3.5017% | 1,755 |
| Loan and lease loss provision to assets | 0.2756% | 2,373 |
| Net operating income to assets | 0.4095% | 5,209 |
| Return on assets (ROA) | 0.4095% | 5,441 |
| Pretax return on assets | 0.4095% | 5,696 |
| Return on Equity (ROE) | 4.8432% | 4,896 |
| Retained earnings to average equity (ytd only) | 4.8432% | 3,477 |
| Net charge-offs to loans | 0.7296% | 1,517 |
| Credit loss provision to net charge-offs | 62.1302% | 4,100 |
| Earnings coverage of net charge-offs (x) | 1.5444% | 4,509 |
| Efficiency ratio | 83.6364% | 1,634 |
| Assets per employee ($millions) | 3.7851% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7230% | 3,061 |
| Loan loss allowance to noncurrent loans | 67.2727% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 2.4164% | 2,198 |
| Noncurrent loans to loans | 2.5612% | 2,232 |
| Net loans and leases to total assets | 60.0455% | 3,776 |
| Net loans and leases to deposits | 69.2869% | 3,988 |
| Net loans and leases to core deposits | 70.9541% | 4,381 |
| Total domestic deposits to total assets | 86.6622% | 2,876 |
| Equity capital to assets | 8.9278% | 5,897 |
| Core capital (leverage) ratio | 8.2935% | 6,019 |
| Tier 1 risk-based capital ratio | 15.0196% | 3,839 |
| Total risk-based capital ratio | 16.2304% | 3,812 |
| Memoranda: | ||
| Average total assets | $50,793,500 | 6,262 |
| Average earning assets | $39,714,500 | 6,448 |
| Average equity | $4,294,500 | 6,569 |
| Average total loans | $30,882,000 | 5,983 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0096% | 1,763 |
| Cost of funding earning assets | 0.7746% | 3,405 |
| Net interest margin | 4.2350% | 1,654 |
| Noninterest income to average assets | 0.8339% | 2,036 |
| Noninterest expense to average assets | 3.4254% | 1,969 |
| Loan and lease loss provision to assets | 0.2377% | 2,693 |
| Net operating income to assets | 0.4520% | 5,032 |
| Return on assets (ROA) | 0.4520% | 5,268 |
| Pretax return on assets | 0.4520% | 5,571 |
| Return on Equity (ROE) | 5.4439% | 4,610 |
| Retained earnings to average equity (ytd only) | 5.4439% | 3,020 |
| Net charge-offs to loans | 1.0528% | 1,042 |
| Credit loss provision to net charge-offs | 37.1951% | 4,318 |
| Earnings coverage of net charge-offs (x) | 1.0793% | 4,479 |
| Efficiency ratio | 83.2386% | 1,718 |
| Assets per employee ($millions) | 3.8374% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5561% | 3,759 |
| Loan loss allowance to noncurrent loans | 51.2299% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 2.7142% | 2,029 |
| Noncurrent loans to loans | 3.0374% | 1,940 |
| Net loans and leases to total assets | 60.7465% | 3,672 |
| Net loans and leases to deposits | 69.9135% | 3,906 |
| Net loans and leases to core deposits | 71.5628% | 4,345 |
| Total domestic deposits to total assets | 86.8881% | 2,838 |
| Equity capital to assets | 8.6778% | 6,052 |
| Core capital (leverage) ratio | 8.1096% | 6,153 |
| Tier 1 risk-based capital ratio | 14.5485% | 4,066 |
| Total risk-based capital ratio | 15.8390% | 4,001 |
| Memoranda: | ||
| Average total assets | $51,322,670 | 6,280 |
| Average earning assets | $39,764,000 | 6,483 |
| Average equity | $4,261,670 | 6,610 |
| Average total loans | $31,154,670 | 6,006 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1129% | 1,542 |
| Cost of funding earning assets | 0.8302% | 3,227 |
| Net interest margin | 4.2827% | 1,527 |
| Noninterest income to average assets | 0.8147% | 2,092 |
| Noninterest expense to average assets | 3.2282% | 2,512 |
| Loan and lease loss provision to assets | 0.1922% | 3,027 |
| Net operating income to assets | 0.6456% | 4,137 |
| Return on assets (ROA) | 0.6456% | 4,348 |
| Pretax return on assets | 0.6456% | 4,949 |
| Return on Equity (ROE) | 7.9470% | 3,308 |
| Retained earnings to average equity (ytd only) | 7.9470% | 2,001 |
| Net charge-offs to loans | 0.0383% | 4,164 |
| Credit loss provision to net charge-offs | 833.3333% | 417 |
| Earnings coverage of net charge-offs (x) | 36.3333% | 809 |
| Efficiency ratio | 79.3951% | 2,287 |
| Assets per employee ($millions) | 3.9991% | 4,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9358% | 2,571 |
| Loan loss allowance to noncurrent loans | 52.2944% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 3.0969% | 1,878 |
| Noncurrent loans to loans | 3.7018% | 1,674 |
| Net loans and leases to total assets | 58.8540% | 3,892 |
| Net loans and leases to deposits | 69.4439% | 3,810 |
| Net loans and leases to core deposits | 71.0484% | 4,286 |
| Total domestic deposits to total assets | 84.7503% | 4,142 |
| Equity capital to assets | 8.1980% | 6,358 |
| Core capital (leverage) ratio | 7.8044% | 6,412 |
| Tier 1 risk-based capital ratio | 14.3136% | 4,231 |
| Total risk-based capital ratio | 15.5629% | 4,207 |
| Memoranda: | ||
| Average total assets | $52,041,000 | 6,299 |
| Average earning assets | $39,508,000 | 6,544 |
| Average equity | $4,228,000 | 6,652 |
| Average total loans | $31,340,500 | 6,045 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1415% | 2,282 |
| Cost of funding earning assets | 0.8905% | 4,185 |
| Net interest margin | 4.2510% | 1,879 |
| Noninterest income to average assets | 0.7846% | 2,143 |
| Noninterest expense to average assets | 4.1529% | 857 |
| Loan and lease loss provision to assets | 0.5453% | 1,916 |
| Net operating income to assets | -0.5843% | 6,542 |
| Return on assets (ROA) | -0.4748% | 6,520 |
| Pretax return on assets | -0.4748% | 6,479 |
| Return on Equity (ROE) | -7.1592% | 6,643 |
| Retained earnings to average equity (ytd only) | -7.1592% | 6,583 |
| Net charge-offs to loans | 1.3783% | 1,189 |
| Credit loss provision to net charge-offs | 62.8205% | 5,095 |
| Earnings coverage of net charge-offs (x) | -0.0449% | 5,860 |
| Efficiency ratio | 100.9468% | 642 |
| Assets per employee ($millions) | 4.3412% | 3,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8488% | 2,718 |
| Loan loss allowance to noncurrent loans | 52.1973% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 3.0848% | 1,941 |
| Noncurrent loans to loans | 3.5419% | 1,810 |
| Net loans and leases to total assets | 59.3120% | 4,129 |
| Net loans and leases to deposits | 69.9271% | 4,114 |
| Net loans and leases to core deposits | 71.5331% | 4,587 |
| Total domestic deposits to total assets | 84.8197% | 3,941 |
| Equity capital to assets | 8.0508% | 6,537 |
| Core capital (leverage) ratio | 7.6717% | 6,555 |
| Tier 1 risk-based capital ratio | 13.7457% | 4,521 |
| Total risk-based capital ratio | 15.0382% | 4,448 |
| Memoranda: | ||
| Average total assets | $53,914,400 | 6,230 |
| Average earning assets | $42,225,000 | 6,458 |
| Average equity | $3,575,800 | 6,861 |
| Average total loans | $33,956,000 | 5,953 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1039% | 2,587 |
| Cost of funding earning assets | 0.9025% | 4,378 |
| Net interest margin | 4.2014% | 2,092 |
| Noninterest income to average assets | 0.7332% | 2,398 |
| Noninterest expense to average assets | 4.2989% | 717 |
| Loan and lease loss provision to assets | 0.6597% | 1,471 |
| Net operating income to assets | -0.9147% | 6,851 |
| Return on assets (ROA) | -0.7700% | 6,818 |
| Pretax return on assets | -0.7700% | 6,771 |
| Return on Equity (ROE) | -12.2370% | 6,955 |
| Retained earnings to average equity (ytd only) | -12.2370% | 6,926 |
| Net charge-offs to loans | 1.9320% | 672 |
| Credit loss provision to net charge-offs | 53.6926% | 4,955 |
| Earnings coverage of net charge-offs (x) | -0.2076% | 5,723 |
| Efficiency ratio | 106.3069% | 498 |
| Assets per employee ($millions) | 3.4245% | 5,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6132% | 3,597 |
| Loan loss allowance to noncurrent loans | 52.0875% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 2.9007% | 2,230 |
| Noncurrent loans to loans | 3.0971% | 2,241 |
| Net loans and leases to total assets | 62.2150% | 3,671 |
| Net loans and leases to deposits | 72.0814% | 3,978 |
| Net loans and leases to core deposits | 73.8162% | 4,472 |
| Total domestic deposits to total assets | 86.3122% | 3,031 |
| Equity capital to assets | 6.4730% | 7,135 |
| Core capital (leverage) ratio | 6.0233% | 7,136 |
| Tier 1 risk-based capital ratio | 10.1759% | 6,902 |
| Total risk-based capital ratio | 11.4614% | 6,880 |
| Memoranda: | ||
| Average total assets | $54,369,500 | 6,268 |
| Average earning assets | $42,842,000 | 6,487 |
| Average equity | $3,421,250 | 6,958 |
| Average total loans | $34,575,000 | 5,989 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9970% | 3,172 |
| Cost of funding earning assets | 0.8845% | 4,796 |
| Net interest margin | 4.1126% | 2,359 |
| Noninterest income to average assets | 0.5743% | 3,302 |
| Noninterest expense to average assets | 4.5078% | 591 |
| Loan and lease loss provision to assets | 0.8380% | 1,080 |
| Net operating income to assets | -1.4629% | 7,085 |
| Return on assets (ROA) | -1.4629% | 7,098 |
| Pretax return on assets | -1.4629% | 7,053 |
| Return on Equity (ROE) | -23.4556% | 7,182 |
| Retained earnings to average equity (ytd only) | -23.4556% | 7,171 |
| Net charge-offs to loans | 1.4005% | 1,082 |
| Credit loss provision to net charge-offs | 93.9271% | 3,343 |
| Earnings coverage of net charge-offs (x) | -0.7004% | 5,579 |
| Efficiency ratio | 116.0930% | 390 |
| Assets per employee ($millions) | 3.6966% | 4,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2359% | 1,850 |
| Loan loss allowance to noncurrent loans | 54.3654% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 3.5496% | 1,846 |
| Noncurrent loans to loans | 4.1127% | 1,667 |
| Net loans and leases to total assets | 62.6063% | 3,765 |
| Net loans and leases to deposits | 72.3408% | 4,064 |
| Net loans and leases to core deposits | 74.0588% | 4,578 |
| Total domestic deposits to total assets | 86.5435% | 3,017 |
| Equity capital to assets | 6.3031% | 7,210 |
| Core capital (leverage) ratio | 5.7010% | 7,236 |
| Tier 1 risk-based capital ratio | 9.7022% | 7,055 |
| Total risk-based capital ratio | 10.9660% | 7,052 |
| Memoranda: | ||
| Average total assets | $55,370,330 | 6,281 |
| Average earning assets | $44,546,330 | 6,490 |
| Average equity | $3,453,330 | 6,995 |
| Average total loans | $35,272,670 | 6,012 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7856% | 4,122 |
| Cost of funding earning assets | 0.8748% | 5,094 |
| Net interest margin | 3.9108% | 3,087 |
| Noninterest income to average assets | 0.6856% | 2,652 |
| Noninterest expense to average assets | 4.4002% | 650 |
| Loan and lease loss provision to assets | 0.0700% | 5,121 |
| Net operating income to assets | -0.5946% | 6,861 |
| Return on assets (ROA) | -0.5946% | 6,867 |
| Pretax return on assets | -0.5946% | 6,814 |
| Return on Equity (ROE) | -9.5802% | 7,015 |
| Retained earnings to average equity (ytd only) | -9.5802% | 6,845 |
| Net charge-offs to loans | 0.1321% | 3,719 |
| Credit loss provision to net charge-offs | 83.3333% | 3,082 |
| Earnings coverage of net charge-offs (x) | -6.2500% | 5,036 |
| Efficiency ratio | 113.5379% | 435 |
| Assets per employee ($millions) | 2.7009% | 6,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1134% | 2,155 |
| Loan loss allowance to noncurrent loans | 39.7051% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 4.2393% | 1,546 |
| Noncurrent loans to loans | 5.3228% | 1,238 |
| Net loans and leases to total assets | 64.6507% | 3,322 |
| Net loans and leases to deposits | 74.6138% | 3,666 |
| Net loans and leases to core deposits | 76.3011% | 4,263 |
| Total domestic deposits to total assets | 86.6470% | 3,153 |
| Equity capital to assets | 6.5034% | 7,206 |
| Core capital (leverage) ratio | 5.9956% | 7,251 |
| Tier 1 risk-based capital ratio | 10.1073% | 6,968 |
| Total risk-based capital ratio | 11.4001% | 6,951 |
| Memoranda: | ||
| Average total assets | $57,179,500 | 6,282 |
| Average earning assets | $46,639,500 | 6,469 |
| Average equity | $3,549,000 | 6,999 |
| Average total loans | $36,338,500 | 6,014 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3361% | 2,955 |
| Cost of funding earning assets | 1.1541% | 4,828 |
| Net interest margin | 4.1820% | 2,256 |
| Noninterest income to average assets | 0.6891% | 2,906 |
| Noninterest expense to average assets | 4.4768% | 669 |
| Loan and lease loss provision to assets | 1.4788% | 1,008 |
| Net operating income to assets | -1.7537% | 6,982 |
| Return on assets (ROA) | -1.3977% | 6,894 |
| Pretax return on assets | -1.3977% | 6,819 |
| Return on Equity (ROE) | -19.1324% | 7,020 |
| Retained earnings to average equity (ytd only) | -19.1324% | 6,996 |
| Net charge-offs to loans | 1.8822% | 1,095 |
| Credit loss provision to net charge-offs | 113.0728% | 3,852 |
| Earnings coverage of net charge-offs (x) | -0.2102% | 6,298 |
| Efficiency ratio | 106.5436% | 613 |
| Assets per employee ($millions) | 2.8734% | 6,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0459% | 2,186 |
| Loan loss allowance to noncurrent loans | 33.0712% | 6,111 |
| Noncurrent assets plus other real estate owned to assets | 4.4414% | 1,502 |
| Noncurrent loans to loans | 6.1865% | 994 |
| Net loans and leases to total assets | 60.0636% | 4,671 |
| Net loans and leases to deposits | 69.6927% | 4,852 |
| Net loans and leases to core deposits | 71.1037% | 5,321 |
| Total domestic deposits to total assets | 86.1835% | 3,256 |
| Equity capital to assets | 5.9412% | 7,347 |
| Core capital (leverage) ratio | 6.0282% | 7,297 |
| Tier 1 risk-based capital ratio | 9.7259% | 7,072 |
| Total risk-based capital ratio | 11.0131% | 7,064 |
| Memoranda: | ||
| Average total assets | $56,737,000 | 6,319 |
| Average earning assets | $47,656,200 | 6,447 |
| Average equity | $4,144,800 | 6,941 |
| Average total loans | $39,421,400 | 5,945 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5114% | 2,390 |
| Cost of funding earning assets | 1.2185% | 4,754 |
| Net interest margin | 4.2929% | 1,867 |
| Noninterest income to average assets | 0.7187% | 2,714 |
| Noninterest expense to average assets | 4.4821% | 611 |
| Loan and lease loss provision to assets | 1.5927% | 809 |
| Net operating income to assets | -1.1206% | 6,953 |
| Return on assets (ROA) | -0.8071% | 6,831 |
| Pretax return on assets | -1.2393% | 6,949 |
| Return on Equity (ROE) | -10.5178% | 6,952 |
| Retained earnings to average equity (ytd only) | -10.5178% | 6,906 |
| Net charge-offs to loans | 1.1126% | 1,831 |
| Credit loss provision to net charge-offs | 199.7006% | 1,797 |
| Earnings coverage of net charge-offs (x) | -0.1617% | 6,153 |
| Efficiency ratio | 102.9622% | 655 |
| Assets per employee ($millions) | 2.5017% | 7,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4944% | 1,335 |
| Loan loss allowance to noncurrent loans | 48.3195% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 4.6859% | 1,411 |
| Noncurrent loans to loans | 5.1623% | 1,323 |
| Net loans and leases to total assets | 70.4550% | 2,625 |
| Net loans and leases to deposits | 84.0184% | 2,701 |
| Net loans and leases to core deposits | 85.4571% | 3,738 |
| Total domestic deposits to total assets | 83.8566% | 4,205 |
| Equity capital to assets | 7.4494% | 7,154 |
| Core capital (leverage) ratio | 6.7179% | 7,281 |
| Tier 1 risk-based capital ratio | 10.0253% | 7,056 |
| Total risk-based capital ratio | 11.3196% | 7,008 |
| Memoranda: | ||
| Average total assets | $55,836,000 | 6,420 |
| Average earning assets | $47,270,500 | 6,545 |
| Average equity | $4,284,750 | 6,985 |
| Average total loans | $40,026,750 | 6,003 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4843% | 2,600 |
| Cost of funding earning assets | 1.2611% | 4,760 |
| Net interest margin | 4.2233% | 2,079 |
| Noninterest income to average assets | 0.7629% | 2,315 |
| Noninterest expense to average assets | 4.4526% | 610 |
| Loan and lease loss provision to assets | 1.2656% | 1,099 |
| Net operating income to assets | -0.9002% | 6,903 |
| Return on assets (ROA) | -0.8591% | 6,901 |
| Pretax return on assets | -1.3333% | 7,027 |
| Return on Equity (ROE) | -11.0898% | 7,001 |
| Retained earnings to average equity (ytd only) | -11.0898% | 6,956 |
| Net charge-offs to loans | 0.5036% | 3,022 |
| Credit loss provision to net charge-offs | 351.4851% | 1,039 |
| Earnings coverage of net charge-offs (x) | -0.3663% | 5,961 |
| Efficiency ratio | 103.0528% | 708 |
| Assets per employee ($millions) | 2.6638% | 6,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2748% | 1,630 |
| Loan loss allowance to noncurrent loans | 42.7234% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 4.8374% | 1,342 |
| Noncurrent loans to loans | 5.3244% | 1,264 |
| Net loans and leases to total assets | 70.1174% | 2,872 |
| Net loans and leases to deposits | 83.8385% | 2,899 |
| Net loans and leases to core deposits | 85.2544% | 3,945 |
| Total domestic deposits to total assets | 83.6340% | 4,275 |
| Equity capital to assets | 7.7155% | 6,990 |
| Core capital (leverage) ratio | 7.3154% | 6,984 |
| Tier 1 risk-based capital ratio | 10.9747% | 6,263 |
| Total risk-based capital ratio | 12.1994% | 6,280 |
| Memoranda: | ||
| Average total assets | $56,102,000 | 6,453 |
| Average earning assets | $47,262,000 | 6,582 |
| Average equity | $4,346,330 | 6,995 |
| Average total loans | $40,112,670 | 6,046 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3695% | 3,195 |
| Cost of funding earning assets | 1.3103% | 4,752 |
| Net interest margin | 4.0593% | 2,615 |
| Noninterest income to average assets | 0.8116% | 1,964 |
| Noninterest expense to average assets | 4.4497% | 613 |
| Loan and lease loss provision to assets | 2.5274% | 420 |
| Net operating income to assets | -2.6485% | 7,584 |
| Return on assets (ROA) | -2.6485% | 7,583 |
| Pretax return on assets | -2.7909% | 7,566 |
| Return on Equity (ROE) | -34.1167% | 7,608 |
| Retained earnings to average equity (ytd only) | -34.1167% | 7,588 |
| Net charge-offs to loans | 0.9476% | 1,706 |
| Credit loss provision to net charge-offs | 373.6842% | 1,093 |
| Earnings coverage of net charge-offs (x) | -0.3895% | 5,241 |
| Efficiency ratio | 106.2925% | 674 |
| Assets per employee ($millions) | 2.6045% | 7,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3100% | 1,564 |
| Loan loss allowance to noncurrent loans | 46.9836% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 4.6982% | 1,409 |
| Noncurrent loans to loans | 4.9167% | 1,479 |
| Net loans and leases to total assets | 67.8278% | 3,433 |
| Net loans and leases to deposits | 80.4738% | 3,560 |
| Net loans and leases to core deposits | 85.9443% | 3,910 |
| Total domestic deposits to total assets | 84.2857% | 4,002 |
| Equity capital to assets | 7.2934% | 7,216 |
| Core capital (leverage) ratio | 7.0841% | 7,189 |
| Tier 1 risk-based capital ratio | 10.6887% | 6,455 |
| Total risk-based capital ratio | 11.9780% | 6,401 |
| Memoranda: | ||
| Average total assets | $56,183,500 | 6,524 |
| Average earning assets | $46,708,000 | 6,674 |
| Average equity | $4,361,500 | 7,053 |
| Average total loans | $40,101,000 | 6,117 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0109% | 1,823 |
| Cost of funding earning assets | 1.2400% | 6,506 |
| Net interest margin | 4.7709% | 735 |
| Noninterest income to average assets | 0.7632% | 2,601 |
| Noninterest expense to average assets | 4.8164% | 598 |
| Loan and lease loss provision to assets | 0.4749% | 3,983 |
| Net operating income to assets | -0.1174% | 5,703 |
| Return on assets (ROA) | 0.0660% | 5,346 |
| Pretax return on assets | -0.0584% | 5,531 |
| Return on Equity (ROE) | 0.7617% | 5,305 |
| Retained earnings to average equity (ytd only) | 0.7617% | 4,475 |
| Net charge-offs to loans | 0.1678% | 5,609 |
| Credit loss provision to net charge-offs | 393.7500% | 806 |
| Earnings coverage of net charge-offs (x) | 1.0781% | 5,032 |
| Efficiency ratio | 97.3714% | 1,252 |
| Assets per employee ($millions) | 2.6223% | 6,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6304% | 3,163 |
| Loan loss allowance to noncurrent loans | 38.1587% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 3.7934% | 1,753 |
| Noncurrent loans to loans | 4.2727% | 1,697 |
| Net loans and leases to total assets | 72.2003% | 2,704 |
| Net loans and leases to deposits | 87.0288% | 2,733 |
| Net loans and leases to core deposits | 99.4547% | 4,053 |
| Total domestic deposits to total assets | 82.9614% | 4,534 |
| Equity capital to assets | 8.2515% | 6,271 |
| Core capital (leverage) ratio | 8.3002% | 5,615 |
| Tier 1 risk-based capital ratio | 11.6716% | 5,227 |
| Total risk-based capital ratio | 12.9532% | 5,154 |
| Memoranda: | ||
| Average total assets | $53,068,600 | 6,592 |
| Average earning assets | $46,531,800 | 6,663 |
| Average equity | $4,594,800 | 7,085 |
| Average total loans | $38,133,000 | 6,195 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0274% | 1,924 |
| Cost of funding earning assets | 1.2409% | 6,755 |
| Net interest margin | 4.7865% | 704 |
| Noninterest income to average assets | 0.8598% | 2,149 |
| Noninterest expense to average assets | 4.7378% | 594 |
| Loan and lease loss provision to assets | 0.1928% | 5,451 |
| Net operating income to assets | 0.1201% | 5,404 |
| Return on assets (ROA) | 0.1547% | 5,364 |
| Pretax return on assets | 0.2384% | 5,211 |
| Return on Equity (ROE) | 1.7652% | 5,242 |
| Retained earnings to average equity (ytd only) | 1.7652% | 4,323 |
| Net charge-offs to loans | 0.1420% | 5,280 |
| Credit loss provision to net charge-offs | 190.0000% | 2,394 |
| Earnings coverage of net charge-offs (x) | 3.7251% | 3,406 |
| Efficiency ratio | 92.6128% | 1,489 |
| Assets per employee ($millions) | 2.5886% | 7,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 4,538 |
| Loan loss allowance to noncurrent loans | 132.7225% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 1.7732% | 3,700 |
| Noncurrent loans to loans | 0.9756% | 5,349 |
| Net loans and leases to total assets | 74.6523% | 2,323 |
| Net loans and leases to deposits | 90.4959% | 2,481 |
| Net loans and leases to core deposits | 97.5886% | 4,650 |
| Total domestic deposits to total assets | 82.4925% | 4,457 |
| Equity capital to assets | 9.0377% | 5,433 |
| Core capital (leverage) ratio | 8.3170% | 5,806 |
| Tier 1 risk-based capital ratio | 12.4316% | 4,605 |
| Total risk-based capital ratio | 13.6762% | 4,557 |
| Memoranda: | ||
| Average total assets | $52,568,500 | 6,657 |
| Average earning assets | $46,741,000 | 6,700 |
| Average equity | $4,607,500 | 7,143 |
| Average total loans | $37,561,500 | 6,256 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9596% | 2,345 |
| Cost of funding earning assets | 1.2562% | 6,939 |
| Net interest margin | 4.7034% | 798 |
| Noninterest income to average assets | 0.8063% | 2,379 |
| Noninterest expense to average assets | 4.6258% | 676 |
| Loan and lease loss provision to assets | 0.1817% | 5,226 |
| Net operating income to assets | 0.0984% | 5,569 |
| Return on assets (ROA) | 0.0984% | 5,663 |
| Pretax return on assets | 0.1514% | 5,563 |
| Return on Equity (ROE) | 1.1345% | 5,597 |
| Retained earnings to average equity (ytd only) | 1.1345% | 4,702 |
| Net charge-offs to loans | 0.2268% | 4,077 |
| Credit loss provision to net charge-offs | 114.2857% | 4,050 |
| Earnings coverage of net charge-offs (x) | 2.0952% | 4,026 |
| Efficiency ratio | 93.2824% | 1,549 |
| Assets per employee ($millions) | 2.3880% | 7,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 4,601 |
| Loan loss allowance to noncurrent loans | 104.1394% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 1.8673% | 3,377 |
| Noncurrent loans to loans | 1.2003% | 4,815 |
| Net loans and leases to total assets | 71.8797% | 3,252 |
| Net loans and leases to deposits | 86.7255% | 3,410 |
| Net loans and leases to core deposits | 93.5815% | 5,164 |
| Total domestic deposits to total assets | 82.8819% | 4,297 |
| Equity capital to assets | 8.7256% | 5,715 |
| Core capital (leverage) ratio | 8.2386% | 5,907 |
| Tier 1 risk-based capital ratio | 12.4416% | 4,564 |
| Total risk-based capital ratio | 13.7114% | 4,472 |
| Memoranda: | ||
| Average total assets | $52,834,000 | 6,703 |
| Average earning assets | $46,647,330 | 6,764 |
| Average equity | $4,583,670 | 7,211 |
| Average total loans | $37,030,000 | 6,341 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0157% | 2,298 |
| Cost of funding earning assets | 1.3157% | 6,975 |
| Net interest margin | 4.7000% | 763 |
| Noninterest income to average assets | 0.7399% | 2,654 |
| Noninterest expense to average assets | 4.4391% | 756 |
| Loan and lease loss provision to assets | 0.1812% | 4,631 |
| Net operating income to assets | 0.1434% | 5,842 |
| Return on assets (ROA) | 0.1434% | 6,013 |
| Pretax return on assets | 0.2189% | 5,891 |
| Return on Equity (ROE) | 1.6581% | 5,895 |
| Retained earnings to average equity (ytd only) | 1.6581% | 4,917 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7317% | 1,593 |
| Assets per employee ($millions) | 2.4243% | 7,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 3,766 |
| Loan loss allowance to noncurrent loans | 121.9212% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 1.6706% | 3,419 |
| Noncurrent loans to loans | 1.1112% | 4,759 |
| Net loans and leases to total assets | 67.5760% | 4,230 |
| Net loans and leases to deposits | 81.2100% | 4,418 |
| Net loans and leases to core deposits | 87.7017% | 5,768 |
| Total domestic deposits to total assets | 83.2115% | 4,042 |
| Equity capital to assets | 8.6268% | 5,876 |
| Core capital (leverage) ratio | 8.3351% | 5,837 |
| Tier 1 risk-based capital ratio | 12.7081% | 4,382 |
| Total risk-based capital ratio | 13.9870% | 4,280 |
| Memoranda: | ||
| Average total assets | $52,983,500 | 6,742 |
| Average earning assets | $46,212,500 | 6,831 |
| Average equity | $4,583,500 | 7,261 |
| Average total loans | $36,425,000 | 6,421 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0522% | 5,286 |
| Cost of funding earning assets | 1.8971% | 6,734 |
| Net interest margin | 4.1550% | 2,481 |
| Noninterest income to average assets | 0.6010% | 3,840 |
| Noninterest expense to average assets | 4.7455% | 739 |
| Loan and lease loss provision to assets | 1.3330% | 1,065 |
| Net operating income to assets | -1.0854% | 7,286 |
| Return on assets (ROA) | -1.0854% | 7,220 |
| Pretax return on assets | -1.7170% | 7,348 |
| Return on Equity (ROE) | -12.6210% | 7,474 |
| Retained earnings to average equity (ytd only) | -13.2886% | 7,352 |
| Net charge-offs to loans | 1.9001% | 578 |
| Credit loss provision to net charge-offs | 108.9443% | 4,943 |
| Earnings coverage of net charge-offs (x) | -0.3138% | 6,422 |
| Efficiency ratio | 108.8030% | 736 |
| Assets per employee ($millions) | 2.2884% | 7,577 |
| Cash dividends to net income (ytd only)* | -5.2893% | 7,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 3,824 |
| Loan loss allowance to noncurrent loans | 95.9184% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.8752% | 2,626 |
| Noncurrent loans to loans | 1.3493% | 3,824 |
| Net loans and leases to total assets | 68.1018% | 4,450 |
| Net loans and leases to deposits | 82.1244% | 4,709 |
| Net loans and leases to core deposits | 87.1989% | 6,041 |
| Total domestic deposits to total assets | 82.9252% | 3,802 |
| Equity capital to assets | 8.6752% | 5,847 |
| Core capital (leverage) ratio | 8.0934% | 6,333 |
| Tier 1 risk-based capital ratio | 12.8502% | 4,191 |
| Total risk-based capital ratio | 14.1019% | 4,114 |
| Memoranda: | ||
| Average total assets | $55,737,400 | 6,542 |
| Average earning assets | $50,444,800 | 6,574 |
| Average equity | $4,793,600 | 7,208 |
| Average total loans | $35,893,400 | 6,373 |