Home > The First National Bank of Lindsay > Performance and Condition Ratios
The First National Bank of Lindsay, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3930% | 1,326 |
| Cost of funding earning assets | 1.8156% | 1,224 |
| Net interest margin | 3.5773% | 2,012 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.1400% | 3,294 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 1.2122% | 1,622 |
| Return on assets (ROA) | 1.2122% | 1,589 |
| Pretax return on assets | 1.2432% | 2,022 |
| Return on Equity (ROE) | 10.7800% | 2,285 |
| Retained earnings to average equity (ytd only) | 1.5824% | 3,684 |
| Net charge-offs to loans | 0.0896% | 977 |
| Credit loss provision to net charge-offs | 356.0606% | 841 |
| Earnings coverage of net charge-offs (x) | 21.7727% | 1,830 |
| Efficiency ratio | 59.0131% | 3,184 |
| Assets per employee ($millions) | 11.1936% | 510 |
| Cash dividends to net income (ytd only)* | 85.3242% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5046% | 79 |
| Loan loss allowance to noncurrent loans | 207.2031% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 1.3510% | 299 |
| Noncurrent loans to loans | 1.6914% | 371 |
| Net loans and leases to total assets | 73.9000% | 1,379 |
| Net loans and leases to deposits | 82.8367% | 1,881 |
| Net loans and leases to core deposits | 87.6215% | 2,203 |
| Total domestic deposits to total assets | 89.2200% | 996 |
| Equity capital to assets | 10.4683% | 1,741 |
| Core capital (leverage) ratio | 10.6722% | 2,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $96,683,400 | 3,857 |
| Average earning assets | $83,442,200 | 3,894 |
| Average equity | $10,869,400 | 3,631 |
| Average total loans | $73,670,200 | 3,498 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3206% | 1,262 |
| Cost of funding earning assets | 1.6495% | 1,277 |
| Net interest margin | 3.6711% | 1,839 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 1.8745% | 3,843 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.6710% | 833 |
| Return on assets (ROA) | 1.6710% | 829 |
| Pretax return on assets | 1.6919% | 1,174 |
| Return on Equity (ROE) | 14.6000% | 1,526 |
| Retained earnings to average equity (ytd only) | 14.5990% | 604 |
| Net charge-offs to loans | 0.1190% | 675 |
| Credit loss provision to net charge-offs | 161.5385% | 1,270 |
| Earnings coverage of net charge-offs (x) | 20.2923% | 1,812 |
| Efficiency ratio | 50.4880% | 3,875 |
| Assets per employee ($millions) | 10.8394% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4726% | 82 |
| Loan loss allowance to noncurrent loans | 160.4115% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 1.7016% | 193 |
| Noncurrent loans to loans | 2.1648% | 257 |
| Net loans and leases to total assets | 73.3100% | 1,434 |
| Net loans and leases to deposits | 83.3279% | 1,801 |
| Net loans and leases to core deposits | 88.6699% | 2,017 |
| Total domestic deposits to total assets | 87.9800% | 1,579 |
| Equity capital to assets | 11.7113% | 1,124 |
| Core capital (leverage) ratio | 12.2993% | 1,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $95,668,750 | 3,880 |
| Average earning assets | $82,770,500 | 3,917 |
| Average equity | $10,950,250 | 3,621 |
| Average total loans | $72,798,750 | 3,518 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2582% | 1,134 |
| Cost of funding earning assets | 1.5287% | 1,195 |
| Net interest margin | 3.7295% | 1,760 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 1.8455% | 3,920 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.8140% | 639 |
| Return on assets (ROA) | 1.8140% | 640 |
| Pretax return on assets | 1.8455% | 944 |
| Return on Equity (ROE) | 15.9700% | 1,271 |
| Retained earnings to average equity (ytd only) | 15.9748% | 475 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.3462% | 4,042 |
| Assets per employee ($millions) | 10.7729% | 536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4713% | 92 |
| Loan loss allowance to noncurrent loans | 161.1180% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 1.7183% | 184 |
| Noncurrent loans to loans | 2.1545% | 241 |
| Net loans and leases to total assets | 74.4000% | 1,234 |
| Net loans and leases to deposits | 84.3712% | 1,634 |
| Net loans and leases to core deposits | 90.4513% | 1,766 |
| Total domestic deposits to total assets | 88.1800% | 1,539 |
| Equity capital to assets | 11.5568% | 1,189 |
| Core capital (leverage) ratio | 11.9123% | 1,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $95,040,000 | 3,894 |
| Average earning assets | $82,424,333 | 3,932 |
| Average equity | $10,792,000 | 3,650 |
| Average total loans | $72,366,667 | 3,526 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2497% | 891 |
| Cost of funding earning assets | 1.3173% | 1,195 |
| Net interest margin | 3.9323% | 1,402 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 1.9557% | 3,722 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 1.6666% | 874 |
| Return on assets (ROA) | 1.6666% | 874 |
| Pretax return on assets | 1.7304% | 1,215 |
| Return on Equity (ROE) | 14.8100% | 1,589 |
| Retained earnings to average equity (ytd only) | 14.8127% | 825 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.4386% | 3,900 |
| Assets per employee ($millions) | 9.5187% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5409% | 85 |
| Loan loss allowance to noncurrent loans | 158.0625% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 1.7723% | 160 |
| Noncurrent loans to loans | 2.2402% | 227 |
| Net loans and leases to total assets | 73.7800% | 1,231 |
| Net loans and leases to deposits | 83.7156% | 1,517 |
| Net loans and leases to core deposits | 89.4102% | 1,654 |
| Total domestic deposits to total assets | 88.1300% | 1,887 |
| Equity capital to assets | 11.3545% | 1,205 |
| Core capital (leverage) ratio | 11.7528% | 1,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $94,082,000 | 3,957 |
| Average earning assets | $81,681,500 | 3,999 |
| Average equity | $10,585,500 | 3,714 |
| Average total loans | $71,186,000 | 3,584 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9535% | 324 |
| Cost of funding earning assets | 0.4831% | 1,507 |
| Net interest margin | 4.4705% | 309 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.1770% | 3,083 |
| Loan and lease loss provision to assets | 0.5000% | 121 |
| Net operating income to assets | 1.2643% | 1,552 |
| Return on assets (ROA) | 1.2643% | 1,501 |
| Pretax return on assets | 1.6391% | 1,062 |
| Return on Equity (ROE) | 10.8100% | 2,539 |
| Retained earnings to average equity (ytd only) | 10.8074% | 931 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 50.3857% | 4,109 |
| Assets per employee ($millions) | 9.2977% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6426% | 75 |
| Loan loss allowance to noncurrent loans | 155.4601% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 1.8134% | 144 |
| Noncurrent loans to loans | 2.3431% | 207 |
| Net loans and leases to total assets | 72.0900% | 1,409 |
| Net loans and leases to deposits | 81.4007% | 1,665 |
| Net loans and leases to core deposits | 87.0374% | 1,676 |
| Total domestic deposits to total assets | 88.5700% | 1,856 |
| Equity capital to assets | 11.1458% | 1,202 |
| Core capital (leverage) ratio | 12.4250% | 1,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $87,001,400 | 4,048 |
| Average earning assets | $75,764,000 | 4,091 |
| Average equity | $10,178,200 | 3,849 |
| Average total loans | $64,605,800 | 3,663 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9663% | 221 |
| Cost of funding earning assets | 0.4008% | 1,279 |
| Net interest margin | 4.5655% | 212 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 1.8743% | 3,808 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 2.1378% | 233 |
| Return on assets (ROA) | 2.1378% | 230 |
| Pretax return on assets | 2.3498% | 257 |
| Return on Equity (ROE) | 18.0400% | 636 |
| Retained earnings to average equity (ytd only) | 18.0414% | 163 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 42.2644% | 4,516 |
| Assets per employee ($millions) | 8.8489% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2985% | 100 |
| Loan loss allowance to noncurrent loans | 136.8098% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 1.9053% | 145 |
| Noncurrent loans to loans | 2.4110% | 223 |
| Net loans and leases to total assets | 73.8800% | 1,110 |
| Net loans and leases to deposits | 84.1489% | 1,286 |
| Net loans and leases to core deposits | 90.8367% | 1,247 |
| Total domestic deposits to total assets | 87.8000% | 2,483 |
| Equity capital to assets | 11.9744% | 891 |
| Core capital (leverage) ratio | 13.2095% | 851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $85,507,500 | 4,097 |
| Average earning assets | $74,849,500 | 4,129 |
| Average equity | $10,132,000 | 3,903 |
| Average total loans | $63,366,000 | 3,700 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8113% | 220 |
| Cost of funding earning assets | 0.3510% | 1,249 |
| Net interest margin | 4.4603% | 205 |
| Noninterest income to average assets | 0.4070% | 2,709 |
| Noninterest expense to average assets | 1.7843% | 4,000 |
| Loan and lease loss provision to assets | 0.2130% | 375 |
| Net operating income to assets | 2.1133% | 184 |
| Return on assets (ROA) | 2.1133% | 181 |
| Pretax return on assets | 2.3192% | 213 |
| Return on Equity (ROE) | 17.9006% | 483 |
| Retained earnings to average equity (ytd only) | 17.9006% | 118 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3377% | 4,586 |
| Assets per employee ($millions) | 9.2771% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5541% | 95 |
| Loan loss allowance to noncurrent loans | 127.8525% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 2.1139% | 122 |
| Noncurrent loans to loans | 2.7799% | 186 |
| Net loans and leases to total assets | 71.0147% | 1,199 |
| Net loans and leases to deposits | 81.0501% | 1,311 |
| Net loans and leases to core deposits | 87.0075% | 1,268 |
| Total domestic deposits to total assets | 87.6183% | 2,726 |
| Equity capital to assets | 12.2452% | 810 |
| Core capital (leverage) ratio | 12.6408% | 927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,513,667 | 4,147 |
| Average earning assets | $74,075,667 | 4,189 |
| Average equity | $9,977,333 | 3,989 |
| Average total loans | $61,952,333 | 3,757 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7615% | 212 |
| Cost of funding earning assets | 0.2798% | 1,824 |
| Net interest margin | 4.4817% | 175 |
| Noninterest income to average assets | 0.4281% | 2,509 |
| Noninterest expense to average assets | 1.7595% | 4,036 |
| Loan and lease loss provision to assets | 0.2117% | 335 |
| Net operating income to assets | 2.1970% | 163 |
| Return on assets (ROA) | 2.1970% | 163 |
| Pretax return on assets | 2.3758% | 210 |
| Return on Equity (ROE) | 18.9568% | 285 |
| Retained earnings to average equity (ytd only) | 18.9568% | 122 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4762% | 4,634 |
| Assets per employee ($millions) | 9.3206% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4702% | 106 |
| Loan loss allowance to noncurrent loans | 127.5328% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 2.0671% | 134 |
| Noncurrent loans to loans | 2.7210% | 212 |
| Net loans and leases to total assets | 70.9638% | 928 |
| Net loans and leases to deposits | 80.8574% | 1,090 |
| Net loans and leases to core deposits | 86.3526% | 1,108 |
| Total domestic deposits to total assets | 87.7642% | 2,641 |
| Equity capital to assets | 11.9080% | 993 |
| Core capital (leverage) ratio | 11.7855% | 1,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7982% | 1,082 |
| Memoranda: | ||
| Average total assets | $85,023,500 | 4,160 |
| Average earning assets | $74,346,500 | 4,209 |
| Average equity | $9,854,000 | 4,069 |
| Average total loans | $62,189,500 | 3,756 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5857% | 520 |
| Cost of funding earning assets | 0.4471% | 1,222 |
| Net interest margin | 4.1386% | 553 |
| Noninterest income to average assets | 0.3823% | 3,154 |
| Noninterest expense to average assets | 2.2312% | 2,987 |
| Loan and lease loss provision to assets | 0.5149% | 108 |
| Net operating income to assets | 1.1695% | 2,023 |
| Return on assets (ROA) | 1.1695% | 2,082 |
| Pretax return on assets | 1.3943% | 2,073 |
| Return on Equity (ROE) | 10.4885% | 2,353 |
| Retained earnings to average equity (ytd only) | 10.4885% | 807 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8879% | 3,944 |
| Assets per employee ($millions) | 9.5736% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3407% | 111 |
| Loan loss allowance to noncurrent loans | 124.0379% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 2.0253% | 153 |
| Noncurrent loans to loans | 2.6933% | 244 |
| Net loans and leases to total assets | 70.3512% | 1,004 |
| Net loans and leases to deposits | 79.5444% | 1,252 |
| Net loans and leases to core deposits | 86.6166% | 1,163 |
| Total domestic deposits to total assets | 88.4427% | 1,820 |
| Equity capital to assets | 11.2799% | 1,617 |
| Core capital (leverage) ratio | 11.1354% | 1,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8659% | 1,295 |
| Memoranda: | ||
| Average total assets | $84,484,000 | 4,159 |
| Average earning assets | $76,717,200 | 4,175 |
| Average equity | $9,419,800 | 4,201 |
| Average total loans | $61,353,400 | 3,791 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5495% | 618 |
| Cost of funding earning assets | 0.4504% | 1,349 |
| Net interest margin | 4.0990% | 656 |
| Noninterest income to average assets | 0.3537% | 3,335 |
| Noninterest expense to average assets | 1.9524% | 3,803 |
| Loan and lease loss provision to assets | 0.1749% | 611 |
| Net operating income to assets | 1.8002% | 665 |
| Return on assets (ROA) | 1.8002% | 693 |
| Pretax return on assets | 1.9794% | 829 |
| Return on Equity (ROE) | 16.1936% | 910 |
| Retained earnings to average equity (ytd only) | 16.1936% | 283 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5473% | 4,402 |
| Assets per employee ($millions) | 9.5030% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8342% | 189 |
| Loan loss allowance to noncurrent loans | 105.1069% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 2.0344% | 179 |
| Noncurrent loans to loans | 2.6965% | 266 |
| Net loans and leases to total assets | 70.9495% | 997 |
| Net loans and leases to deposits | 80.3828% | 1,251 |
| Net loans and leases to core deposits | 86.5857% | 1,249 |
| Total domestic deposits to total assets | 88.2645% | 1,678 |
| Equity capital to assets | 11.5811% | 1,618 |
| Core capital (leverage) ratio | 11.5341% | 1,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2502% | 1,552 |
| Memoranda: | ||
| Average total assets | $84,064,500 | 4,214 |
| Average earning assets | $76,959,250 | 4,220 |
| Average equity | $9,345,000 | 4,270 |
| Average total loans | $61,014,000 | 3,850 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4675% | 768 |
| Cost of funding earning assets | 0.4592% | 1,456 |
| Net interest margin | 4.0083% | 806 |
| Noninterest income to average assets | 0.5241% | 2,512 |
| Noninterest expense to average assets | 1.9288% | 3,898 |
| Loan and lease loss provision to assets | 0.1675% | 698 |
| Net operating income to assets | 1.9359% | 550 |
| Return on assets (ROA) | 1.9359% | 569 |
| Pretax return on assets | 2.1250% | 657 |
| Return on Equity (ROE) | 17.6670% | 692 |
| Retained earnings to average equity (ytd only) | 17.6670% | 237 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6916% | 4,529 |
| Assets per employee ($millions) | 10.5415% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7769% | 194 |
| Loan loss allowance to noncurrent loans | 102.3063% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 2.0716% | 202 |
| Noncurrent loans to loans | 2.7143% | 285 |
| Net loans and leases to total assets | 71.8221% | 992 |
| Net loans and leases to deposits | 81.1112% | 1,318 |
| Net loans and leases to core deposits | 87.4213% | 1,315 |
| Total domestic deposits to total assets | 88.5476% | 1,543 |
| Equity capital to assets | 11.3622% | 1,722 |
| Core capital (leverage) ratio | 11.2850% | 1,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0702% | 1,324 |
| Memoranda: | ||
| Average total assets | $83,577,000 | 4,245 |
| Average earning assets | $77,090,333 | 4,243 |
| Average equity | $9,158,333 | 4,305 |
| Average total loans | $60,535,000 | 3,888 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3864% | 930 |
| Cost of funding earning assets | 0.4989% | 1,403 |
| Net interest margin | 3.8875% | 1,010 |
| Noninterest income to average assets | 0.3365% | 3,419 |
| Noninterest expense to average assets | 1.9519% | 3,851 |
| Loan and lease loss provision to assets | 0.1923% | 641 |
| Net operating income to assets | 1.5721% | 1,176 |
| Return on assets (ROA) | 1.5721% | 1,233 |
| Pretax return on assets | 1.7885% | 1,310 |
| Return on Equity (ROE) | 14.6202% | 1,294 |
| Retained earnings to average equity (ytd only) | 14.6202% | 671 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6333% | 4,215 |
| Assets per employee ($millions) | 10.7130% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7906% | 187 |
| Loan loss allowance to noncurrent loans | 97.8699% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 2.0921% | 234 |
| Noncurrent loans to loans | 2.8513% | 286 |
| Net loans and leases to total assets | 69.0971% | 1,401 |
| Net loans and leases to deposits | 77.5575% | 1,756 |
| Net loans and leases to core deposits | 82.5582% | 1,796 |
| Total domestic deposits to total assets | 89.0915% | 1,292 |
| Equity capital to assets | 10.5993% | 2,176 |
| Core capital (leverage) ratio | 10.8088% | 1,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6651% | 1,684 |
| Memoranda: | ||
| Average total assets | $83,199,500 | 4,263 |
| Average earning assets | $76,965,000 | 4,266 |
| Average equity | $8,946,500 | 4,342 |
| Average total loans | $59,653,000 | 3,924 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7204% | 860 |
| Cost of funding earning assets | 0.5519% | 2,599 |
| Net interest margin | 4.1685% | 692 |
| Noninterest income to average assets | 0.5466% | 2,434 |
| Noninterest expense to average assets | 2.4311% | 3,049 |
| Loan and lease loss provision to assets | 0.6215% | 312 |
| Net operating income to assets | 1.1643% | 1,667 |
| Return on assets (ROA) | 1.1668% | 1,776 |
| Pretax return on assets | 1.2617% | 2,111 |
| Return on Equity (ROE) | 10.2909% | 1,889 |
| Retained earnings to average equity (ytd only) | 10.2909% | 537 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3856% | 3,936 |
| Assets per employee ($millions) | 10.0869% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8431% | 172 |
| Loan loss allowance to noncurrent loans | 96.7366% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 2.1959% | 239 |
| Noncurrent loans to loans | 2.9390% | 292 |
| Net loans and leases to total assets | 70.2980% | 1,520 |
| Net loans and leases to deposits | 79.1436% | 1,963 |
| Net loans and leases to core deposits | 84.5712% | 1,988 |
| Total domestic deposits to total assets | 88.8233% | 1,060 |
| Equity capital to assets | 10.9164% | 2,329 |
| Core capital (leverage) ratio | 11.1615% | 1,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4624% | 1,692 |
| Memoranda: | ||
| Average total assets | $74,822,400 | 4,314 |
| Average earning assets | $67,578,800 | 4,329 |
| Average equity | $8,483,200 | 4,374 |
| Average total loans | $52,763,400 | 4,050 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8231% | 851 |
| Cost of funding earning assets | 0.5710% | 2,796 |
| Net interest margin | 4.2521% | 650 |
| Noninterest income to average assets | 0.5398% | 2,427 |
| Noninterest expense to average assets | 1.9485% | 4,257 |
| Loan and lease loss provision to assets | 0.1540% | 2,472 |
| Net operating income to assets | 1.9816% | 312 |
| Return on assets (ROA) | 1.9848% | 334 |
| Pretax return on assets | 2.2302% | 320 |
| Return on Equity (ROE) | 17.3293% | 413 |
| Retained earnings to average equity (ytd only) | 17.3293% | 121 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0042% | 4,756 |
| Assets per employee ($millions) | 8.6102% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4289% | 253 |
| Loan loss allowance to noncurrent loans | 74.6356% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 2.2867% | 253 |
| Noncurrent loans to loans | 3.2544% | 268 |
| Net loans and leases to total assets | 66.3527% | 2,474 |
| Net loans and leases to deposits | 75.6347% | 2,789 |
| Net loans and leases to core deposits | 81.1048% | 2,742 |
| Total domestic deposits to total assets | 87.7278% | 1,329 |
| Equity capital to assets | 11.6825% | 1,887 |
| Core capital (leverage) ratio | 11.1614% | 1,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,354,250 | 4,346 |
| Average earning assets | $65,378,500 | 4,377 |
| Average equity | $8,401,750 | 4,406 |
| Average total loans | $51,357,500 | 4,107 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8715% | 1,020 |
| Cost of funding earning assets | 0.5811% | 3,080 |
| Net interest margin | 4.2904% | 767 |
| Noninterest income to average assets | 0.6224% | 2,049 |
| Noninterest expense to average assets | 2.0035% | 4,229 |
| Loan and lease loss provision to assets | 0.1528% | 2,476 |
| Net operating income to assets | 2.0732% | 283 |
| Return on assets (ROA) | 2.0757% | 319 |
| Pretax return on assets | 2.3258% | 293 |
| Return on Equity (ROE) | 18.2536% | 348 |
| Retained earnings to average equity (ytd only) | 18.2536% | 118 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7270% | 4,785 |
| Assets per employee ($millions) | 8.1089% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3515% | 271 |
| Loan loss allowance to noncurrent loans | 148.9869% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 1.1050% | 1,030 |
| Noncurrent loans to loans | 1.5783% | 943 |
| Net loans and leases to total assets | 64.0136% | 2,877 |
| Net loans and leases to deposits | 72.1435% | 3,248 |
| Net loans and leases to core deposits | 79.0016% | 3,024 |
| Total domestic deposits to total assets | 88.7309% | 852 |
| Equity capital to assets | 10.7043% | 2,571 |
| Core capital (leverage) ratio | 10.9108% | 2,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,975,000 | 4,374 |
| Average earning assets | $64,702,667 | 4,395 |
| Average equity | $8,184,667 | 4,437 |
| Average total loans | $50,910,667 | 4,120 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4875% | 386 |
| Cost of funding earning assets | 0.6068% | 3,398 |
| Net interest margin | 4.8807% | 240 |
| Noninterest income to average assets | 0.5043% | 2,529 |
| Noninterest expense to average assets | 2.1834% | 4,049 |
| Loan and lease loss provision to assets | 0.1483% | 1,911 |
| Net operating income to assets | 2.2949% | 155 |
| Return on assets (ROA) | 2.2843% | 172 |
| Pretax return on assets | 2.5512% | 152 |
| Return on Equity (ROE) | 19.4028% | 191 |
| Retained earnings to average equity (ytd only) | 19.4028% | 67 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6061% | 4,866 |
| Assets per employee ($millions) | 8.6025% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4428% | 271 |
| Loan loss allowance to noncurrent loans | 537.4449% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.4127% | 2,805 |
| Noncurrent loans to loans | 0.4545% | 2,888 |
| Net loans and leases to total assets | 70.7977% | 2,121 |
| Net loans and leases to deposits | 80.7046% | 2,604 |
| Net loans and leases to core deposits | 89.3557% | 2,404 |
| Total domestic deposits to total assets | 87.7245% | 1,219 |
| Equity capital to assets | 11.7015% | 2,285 |
| Core capital (leverage) ratio | 12.0284% | 1,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,418,000 | 4,447 |
| Average earning assets | $60,647,000 | 4,470 |
| Average equity | $7,937,000 | 4,490 |
| Average total loans | $49,787,000 | 4,154 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3211% | 789 |
| Cost of funding earning assets | 0.4849% | 4,155 |
| Net interest margin | 4.8362% | 375 |
| Noninterest income to average assets | 0.7148% | 1,760 |
| Noninterest expense to average assets | 2.8309% | 2,503 |
| Loan and lease loss provision to assets | 0.4507% | 303 |
| Net operating income to assets | 1.2755% | 1,788 |
| Return on assets (ROA) | 1.2842% | 1,830 |
| Pretax return on assets | 1.7349% | 1,095 |
| Return on Equity (ROE) | 10.7735% | 1,978 |
| Retained earnings to average equity (ytd only) | 10.7735% | 368 |
| Net charge-offs to loans | 0.0799% | 1,963 |
| Credit loss provision to net charge-offs | 838.2353% | 392 |
| Earnings coverage of net charge-offs (x) | 40.4412% | 1,310 |
| Efficiency ratio | 56.5561% | 4,139 |
| Assets per employee ($millions) | 8.2520% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4078% | 245 |
| Loan loss allowance to noncurrent loans | 521.8341% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.4332% | 2,660 |
| Noncurrent loans to loans | 0.4614% | 2,792 |
| Net loans and leases to total assets | 73.3701% | 1,862 |
| Net loans and leases to deposits | 83.7515% | 2,360 |
| Net loans and leases to core deposits | 93.1103% | 2,147 |
| Total domestic deposits to total assets | 87.6045% | 1,313 |
| Equity capital to assets | 11.8471% | 2,241 |
| Core capital (leverage) ratio | 11.9335% | 1,817 |
| Tier 1 risk-based capital ratio | 14.9518% | 2,796 |
| Total risk-based capital ratio | 16.2145% | 2,731 |
| Memoranda: | ||
| Average total assets | $63,230,200 | 4,544 |
| Average earning assets | $56,097,800 | 4,585 |
| Average equity | $7,537,000 | 4,567 |
| Average total loans | $42,572,400 | 4,351 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1877% | 1,067 |
| Cost of funding earning assets | 0.4672% | 4,273 |
| Net interest margin | 4.7205% | 475 |
| Noninterest income to average assets | 0.6588% | 1,952 |
| Noninterest expense to average assets | 2.4903% | 3,460 |
| Loan and lease loss provision to assets | 0.0959% | 1,993 |
| Net operating income to assets | 1.9539% | 435 |
| Return on assets (ROA) | 1.9594% | 447 |
| Pretax return on assets | 2.2579% | 406 |
| Return on Equity (ROE) | 16.4117% | 549 |
| Retained earnings to average equity (ytd only) | 16.4117% | 100 |
| Net charge-offs to loans | 0.1176% | 1,314 |
| Credit loss provision to net charge-offs | 125.0000% | 1,879 |
| Earnings coverage of net charge-offs (x) | 30.5825% | 1,606 |
| Efficiency ratio | 51.4764% | 4,641 |
| Assets per employee ($millions) | 7.2032% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1593% | 352 |
| Loan loss allowance to noncurrent loans | 393.8017% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.4612% | 2,682 |
| Noncurrent loans to loans | 0.5483% | 2,652 |
| Net loans and leases to total assets | 66.6075% | 2,975 |
| Net loans and leases to deposits | 76.0523% | 3,287 |
| Net loans and leases to core deposits | 84.7351% | 3,020 |
| Total domestic deposits to total assets | 87.5812% | 1,225 |
| Equity capital to assets | 12.3294% | 2,023 |
| Core capital (leverage) ratio | 12.5156% | 1,560 |
| Tier 1 risk-based capital ratio | 16.5853% | 2,235 |
| Total risk-based capital ratio | 17.8437% | 2,161 |
| Memoranda: | ||
| Average total assets | $62,533,750 | 4,613 |
| Average earning assets | $55,360,250 | 4,660 |
| Average equity | $7,466,000 | 4,635 |
| Average total loans | $40,807,750 | 4,448 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0557% | 1,335 |
| Cost of funding earning assets | 0.3956% | 4,532 |
| Net interest margin | 4.6601% | 540 |
| Noninterest income to average assets | 0.7156% | 1,652 |
| Noninterest expense to average assets | 2.5871% | 3,220 |
| Loan and lease loss provision to assets | 0.1133% | 1,658 |
| Net operating income to assets | 1.8664% | 522 |
| Return on assets (ROA) | 1.8747% | 534 |
| Pretax return on assets | 2.1823% | 457 |
| Return on Equity (ROE) | 15.8841% | 607 |
| Retained earnings to average equity (ytd only) | 15.8841% | 133 |
| Net charge-offs to loans | 0.1914% | 863 |
| Credit loss provision to net charge-offs | 92.1053% | 2,114 |
| Earnings coverage of net charge-offs (x) | 18.5789% | 1,856 |
| Efficiency ratio | 53.0897% | 4,552 |
| Assets per employee ($millions) | 7.9021% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2251% | 322 |
| Loan loss allowance to noncurrent loans | 435.1852% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 2,789 |
| Noncurrent loans to loans | 0.5113% | 2,745 |
| Net loans and leases to total assets | 65.3384% | 3,186 |
| Net loans and leases to deposits | 74.3792% | 3,492 |
| Net loans and leases to core deposits | 80.8317% | 3,355 |
| Total domestic deposits to total assets | 87.8450% | 1,174 |
| Equity capital to assets | 12.0727% | 2,130 |
| Core capital (leverage) ratio | 11.9897% | 1,836 |
| Tier 1 risk-based capital ratio | 16.3149% | 2,299 |
| Total risk-based capital ratio | 17.5779% | 2,236 |
| Memoranda: | ||
| Average total assets | $61,768,670 | 4,661 |
| Average earning assets | $55,106,000 | 4,699 |
| Average equity | $7,290,330 | 4,682 |
| Average total loans | $39,699,000 | 4,504 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7068% | 2,201 |
| Cost of funding earning assets | 0.3206% | 4,777 |
| Net interest margin | 4.3862% | 931 |
| Noninterest income to average assets | 0.6422% | 1,849 |
| Noninterest expense to average assets | 2.1886% | 4,283 |
| Loan and lease loss provision to assets | 0.0983% | 1,779 |
| Net operating income to assets | 1.9751% | 407 |
| Return on assets (ROA) | 1.9920% | 406 |
| Pretax return on assets | 2.3196% | 346 |
| Return on Equity (ROE) | 17.0799% | 477 |
| Retained earnings to average equity (ytd only) | 17.0799% | 179 |
| Net charge-offs to loans | 0.4476% | 340 |
| Credit loss provision to net charge-offs | 34.8837% | 2,062 |
| Earnings coverage of net charge-offs (x) | 8.5116% | 2,080 |
| Efficiency ratio | 47.7143% | 4,956 |
| Assets per employee ($millions) | 6.9439% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3908% | 272 |
| Loan loss allowance to noncurrent loans | 418.2648% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.4416% | 2,825 |
| Noncurrent loans to loans | 0.5716% | 2,619 |
| Net loans and leases to total assets | 59.8416% | 3,725 |
| Net loans and leases to deposits | 68.0409% | 3,925 |
| Net loans and leases to core deposits | 73.6355% | 3,818 |
| Total domestic deposits to total assets | 87.9494% | 1,360 |
| Equity capital to assets | 11.6889% | 2,244 |
| Core capital (leverage) ratio | 12.1611% | 1,689 |
| Tier 1 risk-based capital ratio | 16.8394% | 2,159 |
| Total risk-based capital ratio | 18.1039% | 2,104 |
| Memoranda: | ||
| Average total assets | $61,044,500 | 4,729 |
| Average earning assets | $54,899,000 | 4,751 |
| Average equity | $7,119,500 | 4,736 |
| Average total loans | $38,426,000 | 4,581 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8431% | 1,441 |
| Cost of funding earning assets | 0.2620% | 4,746 |
| Net interest margin | 4.5810% | 628 |
| Noninterest income to average assets | 0.7196% | 1,774 |
| Noninterest expense to average assets | 2.6591% | 3,156 |
| Loan and lease loss provision to assets | 0.5441% | 206 |
| Net operating income to assets | 1.2277% | 2,058 |
| Return on assets (ROA) | 1.2374% | 2,014 |
| Pretax return on assets | 1.6709% | 1,247 |
| Return on Equity (ROE) | 10.6634% | 2,221 |
| Retained earnings to average equity (ytd only) | 10.6634% | 493 |
| Net charge-offs to loans | 0.0029% | 3,637 |
| Credit loss provision to net charge-offs | 31,000.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 1,255.0000% | 85 |
| Efficiency ratio | 54.6931% | 4,557 |
| Assets per employee ($millions) | 7.4493% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4495% | 242 |
| Loan loss allowance to noncurrent loans | 247.1204% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.6410% | 2,119 |
| Noncurrent loans to loans | 0.9912% | 1,636 |
| Net loans and leases to total assets | 63.0835% | 3,456 |
| Net loans and leases to deposits | 71.6267% | 3,702 |
| Net loans and leases to core deposits | 75.7684% | 3,738 |
| Total domestic deposits to total assets | 88.0726% | 1,270 |
| Equity capital to assets | 11.6354% | 2,152 |
| Core capital (leverage) ratio | 11.6944% | 1,956 |
| Tier 1 risk-based capital ratio | 16.4172% | 2,269 |
| Total risk-based capital ratio | 17.6831% | 2,199 |
| Memoranda: | ||
| Average total assets | $56,975,000 | 4,818 |
| Average earning assets | $51,517,000 | 4,827 |
| Average equity | $6,611,400 | 4,808 |
| Average total loans | $34,593,600 | 4,701 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8142% | 1,390 |
| Cost of funding earning assets | 0.2581% | 4,741 |
| Net interest margin | 4.5561% | 658 |
| Noninterest income to average assets | 0.6557% | 2,044 |
| Noninterest expense to average assets | 2.4455% | 3,747 |
| Loan and lease loss provision to assets | 0.0947% | 2,082 |
| Net operating income to assets | 1.9295% | 449 |
| Return on assets (ROA) | 1.9460% | 435 |
| Pretax return on assets | 2.2301% | 385 |
| Return on Equity (ROE) | 16.7817% | 572 |
| Retained earnings to average equity (ytd only) | 16.7817% | 111 |
| Net charge-offs to loans | -0.0635% | 5,018 |
| Credit loss provision to net charge-offs | -250.0000% | 4,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4699% | 4,855 |
| Assets per employee ($millions) | 7.4421% | 796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9657% | 516 |
| Loan loss allowance to noncurrent loans | 203.2353% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.5711% | 2,476 |
| Noncurrent loans to loans | 0.9672% | 1,754 |
| Net loans and leases to total assets | 57.8817% | 4,057 |
| Net loans and leases to deposits | 65.6663% | 4,225 |
| Net loans and leases to core deposits | 69.8072% | 4,202 |
| Total domestic deposits to total assets | 88.1452% | 1,178 |
| Equity capital to assets | 11.7591% | 2,065 |
| Core capital (leverage) ratio | 12.2899% | 1,623 |
| Tier 1 risk-based capital ratio | 17.3568% | 1,980 |
| Total risk-based capital ratio | 18.6151% | 1,929 |
| Memoranda: | ||
| Average total assets | $56,320,250 | 4,881 |
| Average earning assets | $50,626,750 | 4,895 |
| Average equity | $6,530,750 | 4,877 |
| Average total loans | $33,607,500 | 4,780 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8032% | 1,241 |
| Cost of funding earning assets | 0.2245% | 4,891 |
| Net interest margin | 4.5787% | 582 |
| Noninterest income to average assets | 0.6878% | 1,918 |
| Noninterest expense to average assets | 2.5557% | 3,455 |
| Loan and lease loss provision to assets | 0.1086% | 1,805 |
| Net operating income to assets | 1.8361% | 539 |
| Return on assets (ROA) | 1.8607% | 512 |
| Pretax return on assets | 2.1865% | 398 |
| Return on Equity (ROE) | 16.1280% | 644 |
| Retained earnings to average equity (ytd only) | 16.1280% | 153 |
| Net charge-offs to loans | -0.0725% | 5,054 |
| Credit loss provision to net charge-offs | -250.0000% | 4,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0030% | 4,785 |
| Assets per employee ($millions) | 7.0441% | 902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9436% | 570 |
| Loan loss allowance to noncurrent loans | 203.3033% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.5909% | 2,455 |
| Noncurrent loans to loans | 0.9560% | 1,819 |
| Net loans and leases to total assets | 60.6090% | 3,752 |
| Net loans and leases to deposits | 68.8512% | 3,956 |
| Net loans and leases to core deposits | 71.6804% | 4,030 |
| Total domestic deposits to total assets | 88.0290% | 1,368 |
| Equity capital to assets | 11.9390% | 1,894 |
| Core capital (leverage) ratio | 12.2994% | 1,540 |
| Tier 1 risk-based capital ratio | 17.2539% | 2,019 |
| Total risk-based capital ratio | 18.5081% | 1,967 |
| Memoranda: | ||
| Average total assets | $55,248,000 | 4,958 |
| Average earning assets | $49,883,330 | 4,968 |
| Average equity | $6,374,000 | 4,948 |
| Average total loans | $33,092,670 | 4,836 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8222% | 1,028 |
| Cost of funding earning assets | 0.2358% | 4,795 |
| Net interest margin | 4.5863% | 518 |
| Noninterest income to average assets | 0.7679% | 1,550 |
| Noninterest expense to average assets | 2.7425% | 2,899 |
| Loan and lease loss provision to assets | 0.1097% | 1,706 |
| Net operating income to assets | 1.7043% | 684 |
| Return on assets (ROA) | 1.6674% | 741 |
| Pretax return on assets | 1.9965% | 574 |
| Return on Equity (ROE) | 14.7168% | 853 |
| Retained earnings to average equity (ytd only) | 14.7168% | 346 |
| Net charge-offs to loans | -0.0993% | 5,202 |
| Credit loss provision to net charge-offs | -187.5000% | 3,796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0538% | 4,572 |
| Assets per employee ($millions) | 6.8628% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9863% | 559 |
| Loan loss allowance to noncurrent loans | 196.4179% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.6102% | 2,477 |
| Noncurrent loans to loans | 1.0113% | 1,804 |
| Net loans and leases to total assets | 59.1399% | 3,838 |
| Net loans and leases to deposits | 66.8637% | 4,030 |
| Net loans and leases to core deposits | 69.6670% | 4,099 |
| Total domestic deposits to total assets | 88.4485% | 1,380 |
| Equity capital to assets | 11.4750% | 2,153 |
| Core capital (leverage) ratio | 11.8958% | 1,714 |
| Tier 1 risk-based capital ratio | 16.7075% | 2,210 |
| Total risk-based capital ratio | 17.9662% | 2,151 |
| Memoranda: | ||
| Average total assets | $54,695,500 | 5,026 |
| Average earning assets | $49,189,500 | 5,043 |
| Average equity | $6,197,000 | 5,026 |
| Average total loans | $32,223,000 | 4,911 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3993% | 2,023 |
| Cost of funding earning assets | 0.1868% | 5,051 |
| Net interest margin | 4.2125% | 1,164 |
| Noninterest income to average assets | 0.7784% | 1,647 |
| Noninterest expense to average assets | 2.7703% | 2,891 |
| Loan and lease loss provision to assets | 0.3643% | 419 |
| Net operating income to assets | 1.1637% | 1,633 |
| Return on assets (ROA) | 1.1560% | 1,691 |
| Pretax return on assets | 1.4398% | 1,855 |
| Return on Equity (ROE) | 10.2346% | 1,793 |
| Retained earnings to average equity (ytd only) | 10.2346% | 322 |
| Net charge-offs to loans | 0.0198% | 3,443 |
| Credit loss provision to net charge-offs | 3,166.6667% | 127 |
| Earnings coverage of net charge-offs (x) | 157.6667% | 463 |
| Efficiency ratio | 60.4350% | 4,193 |
| Assets per employee ($millions) | 6.0543% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0275% | 508 |
| Loan loss allowance to noncurrent loans | 185.1312% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.6295% | 2,442 |
| Noncurrent loans to loans | 1.0952% | 1,621 |
| Net loans and leases to total assets | 56.3123% | 4,159 |
| Net loans and leases to deposits | 63.5109% | 4,350 |
| Net loans and leases to core deposits | 66.1849% | 4,402 |
| Total domestic deposits to total assets | 88.6656% | 1,165 |
| Equity capital to assets | 11.2096% | 2,419 |
| Core capital (leverage) ratio | 11.4386% | 1,985 |
| Tier 1 risk-based capital ratio | 16.8686% | 2,138 |
| Total risk-based capital ratio | 18.1289% | 2,076 |
| Memoranda: | ||
| Average total assets | $52,160,600 | 5,120 |
| Average earning assets | $47,121,600 | 5,124 |
| Average equity | $5,891,800 | 5,114 |
| Average total loans | $30,353,200 | 5,015 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 2,032 |
| Cost of funding earning assets | 0.1834% | 5,114 |
| Net interest margin | 4.1923% | 1,170 |
| Noninterest income to average assets | 0.8143% | 1,535 |
| Noninterest expense to average assets | 2.4687% | 3,827 |
| Loan and lease loss provision to assets | 0.1034% | 2,047 |
| Net operating income to assets | 1.7554% | 515 |
| Return on assets (ROA) | 1.7397% | 549 |
| Pretax return on assets | 2.0060% | 538 |
| Return on Equity (ROE) | 15.3708% | 605 |
| Retained earnings to average equity (ytd only) | 15.3708% | 105 |
| Net charge-offs to loans | -0.4073% | 5,642 |
| Credit loss provision to net charge-offs | -43.4783% | 4,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7120% | 4,951 |
| Assets per employee ($millions) | 6.6135% | 1,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8599% | 765 |
| Loan loss allowance to noncurrent loans | 108.9720% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.0150% | 1,666 |
| Noncurrent loans to loans | 1.7068% | 1,058 |
| Net loans and leases to total assets | 58.1443% | 4,045 |
| Net loans and leases to deposits | 65.9089% | 4,261 |
| Net loans and leases to core deposits | 68.0191% | 4,360 |
| Total domestic deposits to total assets | 88.2192% | 1,244 |
| Equity capital to assets | 11.7525% | 2,154 |
| Core capital (leverage) ratio | 12.2104% | 1,562 |
| Tier 1 risk-based capital ratio | 17.4229% | 2,029 |
| Total risk-based capital ratio | 18.6822% | 1,975 |
| Memoranda: | ||
| Average total assets | $51,578,500 | 5,185 |
| Average earning assets | $46,529,000 | 5,190 |
| Average equity | $5,837,750 | 5,183 |
| Average total loans | $30,111,750 | 5,076 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3587% | 1,947 |
| Cost of funding earning assets | 0.1818% | 5,128 |
| Net interest margin | 4.1769% | 1,131 |
| Noninterest income to average assets | 0.8018% | 1,568 |
| Noninterest expense to average assets | 2.4562% | 3,902 |
| Loan and lease loss provision to assets | 0.1173% | 1,753 |
| Net operating income to assets | 1.8634% | 400 |
| Return on assets (ROA) | 1.8343% | 438 |
| Pretax return on assets | 1.9712% | 557 |
| Return on Equity (ROE) | 16.4244% | 470 |
| Retained earnings to average equity (ytd only) | 16.4244% | 96 |
| Net charge-offs to loans | -0.6330% | 5,708 |
| Credit loss provision to net charge-offs | -31.9149% | 4,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6752% | 5,044 |
| Assets per employee ($millions) | 6.4139% | 1,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8776% | 752 |
| Loan loss allowance to noncurrent loans | 119.0476% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.9413% | 1,867 |
| Noncurrent loans to loans | 1.5771% | 1,183 |
| Net loans and leases to total assets | 58.5644% | 3,970 |
| Net loans and leases to deposits | 66.3297% | 4,198 |
| Net loans and leases to core deposits | 68.5166% | 4,324 |
| Total domestic deposits to total assets | 88.2930% | 1,311 |
| Equity capital to assets | 11.6798% | 2,167 |
| Core capital (leverage) ratio | 11.7718% | 1,783 |
| Tier 1 risk-based capital ratio | 17.1590% | 2,113 |
| Total risk-based capital ratio | 18.4182% | 2,058 |
| Memoranda: | ||
| Average total assets | $51,135,330 | 5,230 |
| Average earning assets | $46,206,330 | 5,234 |
| Average equity | $5,711,000 | 5,234 |
| Average total loans | $29,700,330 | 5,125 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3049% | 1,945 |
| Cost of funding earning assets | 0.1823% | 5,138 |
| Net interest margin | 4.1226% | 1,165 |
| Noninterest income to average assets | 0.8619% | 1,357 |
| Noninterest expense to average assets | 2.4369% | 4,009 |
| Loan and lease loss provision to assets | 0.1175% | 1,624 |
| Net operating income to assets | 2.0295% | 286 |
| Return on assets (ROA) | 1.9903% | 319 |
| Pretax return on assets | 1.9903% | 516 |
| Return on Equity (ROE) | 18.2406% | 321 |
| Retained earnings to average equity (ytd only) | 18.2406% | 134 |
| Net charge-offs to loans | -0.0547% | 5,225 |
| Credit loss provision to net charge-offs | -375.0000% | 4,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1624% | 5,191 |
| Assets per employee ($millions) | 6.3954% | 1,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5738% | 1,445 |
| Loan loss allowance to noncurrent loans | 94.9495% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.0691% | 1,684 |
| Noncurrent loans to loans | 1.6575% | 1,170 |
| Net loans and leases to total assets | 57.4517% | 4,016 |
| Net loans and leases to deposits | 64.7160% | 4,272 |
| Net loans and leases to core deposits | 66.4647% | 4,400 |
| Total domestic deposits to total assets | 88.7751% | 1,273 |
| Equity capital to assets | 11.2073% | 2,425 |
| Core capital (leverage) ratio | 11.3566% | 2,053 |
| Tier 1 risk-based capital ratio | 16.5581% | 2,335 |
| Total risk-based capital ratio | 17.8123% | 2,287 |
| Memoranda: | ||
| Average total assets | $51,047,500 | 5,293 |
| Average earning assets | $46,087,000 | 5,293 |
| Average equity | $5,570,000 | 5,310 |
| Average total loans | $29,238,000 | 5,186 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7559% | 4,038 |
| Cost of funding earning assets | 0.1698% | 5,288 |
| Net interest margin | 3.5862% | 3,120 |
| Noninterest income to average assets | 0.7125% | 2,116 |
| Noninterest expense to average assets | 2.4966% | 4,023 |
| Loan and lease loss provision to assets | 0.1134% | 2,172 |
| Net operating income to assets | 0.9950% | 2,370 |
| Return on assets (ROA) | 1.0622% | 2,184 |
| Pretax return on assets | 1.4269% | 1,829 |
| Return on Equity (ROE) | 10.7182% | 1,687 |
| Retained earnings to average equity (ytd only) | 10.7182% | 335 |
| Net charge-offs to loans | -0.0720% | 5,488 |
| Credit loss provision to net charge-offs | -352.9412% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2663% | 4,063 |
| Assets per employee ($millions) | 6.3665% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5763% | 1,432 |
| Loan loss allowance to noncurrent loans | 141.8239% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.7265% | 2,548 |
| Noncurrent loans to loans | 1.1114% | 1,862 |
| Net loans and leases to total assets | 55.2914% | 4,324 |
| Net loans and leases to deposits | 61.8746% | 4,554 |
| Net loans and leases to core deposits | 62.8285% | 4,703 |
| Total domestic deposits to total assets | 89.3603% | 920 |
| Equity capital to assets | 10.6142% | 3,025 |
| Core capital (leverage) ratio | 10.6615% | 2,706 |
| Tier 1 risk-based capital ratio | 16.0438% | 2,525 |
| Total risk-based capital ratio | 17.3000% | 2,463 |
| Memoranda: | ||
| Average total assets | $52,911,000 | 5,288 |
| Average earning assets | $47,711,200 | 5,295 |
| Average equity | $5,243,400 | 5,421 |
| Average total loans | $23,608,800 | 5,405 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6810% | 4,318 |
| Cost of funding earning assets | 0.1717% | 5,335 |
| Net interest margin | 3.5092% | 3,433 |
| Noninterest income to average assets | 0.7490% | 1,969 |
| Noninterest expense to average assets | 2.3268% | 4,471 |
| Loan and lease loss provision to assets | 0.0374% | 3,495 |
| Net operating income to assets | 1.2302% | 1,518 |
| Return on assets (ROA) | 1.3032% | 1,376 |
| Pretax return on assets | 1.6402% | 1,275 |
| Return on Equity (ROE) | 13.3772% | 949 |
| Retained earnings to average equity (ytd only) | 13.3772% | 201 |
| Net charge-offs to loans | -0.0895% | 5,538 |
| Credit loss provision to net charge-offs | -100.0000% | 4,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4767% | 4,617 |
| Assets per employee ($millions) | 5.9121% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6167% | 1,421 |
| Loan loss allowance to noncurrent loans | 99.2629% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 0.8626% | 2,396 |
| Noncurrent loans to loans | 1.6287% | 1,316 |
| Net loans and leases to total assets | 46.2046% | 5,084 |
| Net loans and leases to deposits | 51.5387% | 5,227 |
| Net loans and leases to core deposits | 52.2952% | 5,304 |
| Total domestic deposits to total assets | 89.6502% | 603 |
| Equity capital to assets | 10.3234% | 3,778 |
| Core capital (leverage) ratio | 10.5773% | 2,905 |
| Tier 1 risk-based capital ratio | 16.7731% | 2,312 |
| Total risk-based capital ratio | 17.9906% | 2,270 |
| Memoranda: | ||
| Average total assets | $53,405,750 | 5,334 |
| Average earning assets | $48,138,500 | 5,336 |
| Average equity | $5,202,750 | 5,490 |
| Average total loans | $22,358,000 | 5,487 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5885% | 4,624 |
| Cost of funding earning assets | 0.1707% | 5,405 |
| Net interest margin | 3.4178% | 3,817 |
| Noninterest income to average assets | 0.7780% | 1,817 |
| Noninterest expense to average assets | 2.2966% | 4,619 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1891% | 1,643 |
| Return on assets (ROA) | 1.2380% | 1,571 |
| Pretax return on assets | 1.6158% | 1,323 |
| Return on Equity (ROE) | 12.9651% | 1,040 |
| Retained earnings to average equity (ytd only) | 12.9651% | 238 |
| Net charge-offs to loans | -0.1117% | 5,660 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6696% | 4,683 |
| Assets per employee ($millions) | 5.8189% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6645% | 1,353 |
| Loan loss allowance to noncurrent loans | 114.2012% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.7447% | 2,743 |
| Noncurrent loans to loans | 1.4575% | 1,518 |
| Net loans and leases to total assets | 43.5440% | 5,255 |
| Net loans and leases to deposits | 48.5181% | 5,401 |
| Net loans and leases to core deposits | 49.2410% | 5,462 |
| Total domestic deposits to total assets | 89.7479% | 579 |
| Equity capital to assets | 10.2253% | 3,943 |
| Core capital (leverage) ratio | 9.9786% | 3,587 |
| Tier 1 risk-based capital ratio | 17.0746% | 2,191 |
| Total risk-based capital ratio | 18.2906% | 2,164 |
| Memoranda: | ||
| Average total assets | $53,471,330 | 5,389 |
| Average earning assets | $48,042,670 | 5,396 |
| Average equity | $5,106,000 | 5,565 |
| Average total loans | $21,481,000 | 5,574 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5234% | 4,835 |
| Cost of funding earning assets | 0.1733% | 5,441 |
| Net interest margin | 3.3501% | 4,039 |
| Noninterest income to average assets | 0.8189% | 1,561 |
| Noninterest expense to average assets | 2.3018% | 4,659 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0646% | 2,034 |
| Return on assets (ROA) | 1.0697% | 2,131 |
| Pretax return on assets | 1.5198% | 1,528 |
| Return on Equity (ROE) | 11.2002% | 1,534 |
| Retained earnings to average equity (ytd only) | 11.2002% | 618 |
| Net charge-offs to loans | -0.0776% | 5,538 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3482% | 4,699 |
| Assets per employee ($millions) | 6.6873% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7927% | 1,166 |
| Loan loss allowance to noncurrent loans | 109.2219% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 0.8112% | 2,656 |
| Noncurrent loans to loans | 1.6414% | 1,391 |
| Net loans and leases to total assets | 38.8089% | 5,517 |
| Net loans and leases to deposits | 43.0827% | 5,623 |
| Net loans and leases to core deposits | 43.7076% | 5,665 |
| Total domestic deposits to total assets | 90.0800% | 570 |
| Equity capital to assets | 9.8938% | 4,219 |
| Core capital (leverage) ratio | 9.9261% | 3,629 |
| Tier 1 risk-based capital ratio | 17.9242% | 2,005 |
| Total risk-based capital ratio | 19.1784% | 1,972 |
| Memoranda: | ||
| Average total assets | $54,219,000 | 5,416 |
| Average earning assets | $48,475,500 | 5,438 |
| Average equity | $5,178,500 | 5,590 |
| Average total loans | $20,626,500 | 5,659 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3903% | 5,182 |
| Cost of funding earning assets | 0.1766% | 5,492 |
| Net interest margin | 3.2137% | 4,582 |
| Noninterest income to average assets | 0.7172% | 2,117 |
| Noninterest expense to average assets | 2.2025% | 5,040 |
| Loan and lease loss provision to assets | 0.1798% | 1,258 |
| Net operating income to assets | 0.9274% | 2,714 |
| Return on assets (ROA) | 0.9624% | 2,639 |
| Pretax return on assets | 1.2547% | 2,456 |
| Return on Equity (ROE) | 10.7759% | 1,697 |
| Retained earnings to average equity (ytd only) | 10.7759% | 365 |
| Net charge-offs to loans | 0.3102% | 970 |
| Credit loss provision to net charge-offs | 162.2951% | 1,657 |
| Earnings coverage of net charge-offs (x) | 12.5410% | 2,455 |
| Efficiency ratio | 61.3246% | 4,709 |
| Assets per employee ($millions) | 6.1044% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8596% | 1,036 |
| Loan loss allowance to noncurrent loans | 100.5376% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 0.8537% | 2,536 |
| Noncurrent loans to loans | 1.8496% | 1,165 |
| Net loans and leases to total assets | 35.9265% | 5,712 |
| Net loans and leases to deposits | 39.5853% | 5,785 |
| Net loans and leases to core deposits | 40.1391% | 5,816 |
| Total domestic deposits to total assets | 90.7572% | 351 |
| Equity capital to assets | 9.2173% | 4,882 |
| Core capital (leverage) ratio | 9.4303% | 4,280 |
| Tier 1 risk-based capital ratio | 17.7320% | 2,044 |
| Total risk-based capital ratio | 18.9800% | 1,998 |
| Memoranda: | ||
| Average total assets | $55,072,800 | 5,430 |
| Average earning assets | $49,257,600 | 5,454 |
| Average equity | $4,918,400 | 5,670 |
| Average total loans | $19,663,000 | 5,733 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3810% | 5,243 |
| Cost of funding earning assets | 0.1728% | 5,605 |
| Net interest margin | 3.2082% | 4,644 |
| Noninterest income to average assets | 0.7210% | 2,143 |
| Noninterest expense to average assets | 2.1824% | 5,095 |
| Loan and lease loss provision to assets | 0.1911% | 1,060 |
| Net operating income to assets | 0.9269% | 2,822 |
| Return on assets (ROA) | 0.9581% | 2,767 |
| Pretax return on assets | 1.2630% | 2,541 |
| Return on Equity (ROE) | 10.8150% | 1,779 |
| Retained earnings to average equity (ytd only) | 10.8150% | 501 |
| Net charge-offs to loans | 0.4501% | 564 |
| Credit loss provision to net charge-offs | 119.6970% | 1,990 |
| Earnings coverage of net charge-offs (x) | 8.8483% | 2,759 |
| Efficiency ratio | 60.6999% | 4,792 |
| Assets per employee ($millions) | 6.0956% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6177% | 1,726 |
| Loan loss allowance to noncurrent loans | 70.5645% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 1.0846% | 2,187 |
| Noncurrent loans to loans | 2.2925% | 935 |
| Net loans and leases to total assets | 38.8006% | 5,657 |
| Net loans and leases to deposits | 42.7644% | 5,770 |
| Net loans and leases to core deposits | 43.3638% | 5,812 |
| Total domestic deposits to total assets | 90.7310% | 333 |
| Equity capital to assets | 9.2435% | 5,063 |
| Core capital (leverage) ratio | 9.4498% | 4,368 |
| Tier 1 risk-based capital ratio | 16.9055% | 2,412 |
| Total risk-based capital ratio | 18.0531% | 2,397 |
| Memoranda: | ||
| Average total assets | $55,106,000 | 5,504 |
| Average earning assets | $49,373,000 | 5,519 |
| Average equity | $4,882,000 | 5,756 |
| Average total loans | $19,550,750 | 5,812 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3201% | 5,397 |
| Cost of funding earning assets | 0.1758% | 5,647 |
| Net interest margin | 3.1443% | 4,844 |
| Noninterest income to average assets | 0.7429% | 2,028 |
| Noninterest expense to average assets | 2.2070% | 5,097 |
| Loan and lease loss provision to assets | 0.2863% | 561 |
| Net operating income to assets | 0.7343% | 3,715 |
| Return on assets (ROA) | 0.7755% | 3,616 |
| Pretax return on assets | 1.1633% | 2,926 |
| Return on Equity (ROE) | 8.8815% | 2,615 |
| Retained earnings to average equity (ytd only) | 8.8815% | 967 |
| Net charge-offs to loans | 0.6894% | 329 |
| Credit loss provision to net charge-offs | 121.5385% | 1,785 |
| Earnings coverage of net charge-offs (x) | 5.8923% | 2,866 |
| Efficiency ratio | 61.3911% | 4,775 |
| Assets per employee ($millions) | 6.1218% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7891% | 1,390 |
| Loan loss allowance to noncurrent loans | 88.3838% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 0.8984% | 2,740 |
| Noncurrent loans to loans | 2.0242% | 1,196 |
| Net loans and leases to total assets | 34.8719% | 5,869 |
| Net loans and leases to deposits | 38.2958% | 5,966 |
| Net loans and leases to core deposits | 38.8283% | 5,993 |
| Total domestic deposits to total assets | 91.0592% | 281 |
| Equity capital to assets | 8.9135% | 5,327 |
| Core capital (leverage) ratio | 8.9890% | 4,987 |
| Tier 1 risk-based capital ratio | 17.7066% | 2,155 |
| Total risk-based capital ratio | 18.9488% | 2,108 |
| Memoranda: | ||
| Average total assets | $55,188,000 | 5,562 |
| Average earning assets | $50,059,000 | 5,563 |
| Average equity | $4,819,000 | 5,829 |
| Average total loans | $18,855,670 | 5,893 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2241% | 5,611 |
| Cost of funding earning assets | 0.1760% | 5,711 |
| Net interest margin | 3.0481% | 5,082 |
| Noninterest income to average assets | 0.9777% | 1,170 |
| Noninterest expense to average assets | 2.4260% | 4,531 |
| Loan and lease loss provision to assets | 0.5721% | 167 |
| Net operating income to assets | 0.3375% | 5,291 |
| Return on assets (ROA) | 0.3838% | 5,253 |
| Pretax return on assets | 0.8111% | 4,191 |
| Return on Equity (ROE) | 4.4417% | 4,787 |
| Retained earnings to average equity (ytd only) | 4.4417% | 3,357 |
| Net charge-offs to loans | 1.4269% | 138 |
| Credit loss provision to net charge-offs | 119.6970% | 1,447 |
| Earnings coverage of net charge-offs (x) | 2.7424% | 2,706 |
| Efficiency ratio | 64.9225% | 4,332 |
| Assets per employee ($millions) | 8.0601% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9001% | 1,287 |
| Loan loss allowance to noncurrent loans | 73.7844% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 1.1521% | 2,334 |
| Noncurrent loans to loans | 2.5753% | 930 |
| Net loans and leases to total assets | 31.9349% | 6,003 |
| Net loans and leases to deposits | 34.9267% | 6,098 |
| Net loans and leases to core deposits | 35.4106% | 6,115 |
| Total domestic deposits to total assets | 91.4340% | 244 |
| Equity capital to assets | 8.5394% | 5,712 |
| Core capital (leverage) ratio | 8.6760% | 5,345 |
| Tier 1 risk-based capital ratio | 17.7194% | 2,231 |
| Total risk-based capital ratio | 18.9672% | 2,199 |
| Memoranda: | ||
| Average total assets | $55,234,000 | 5,611 |
| Average earning assets | $49,998,000 | 5,617 |
| Average equity | $4,773,000 | 5,889 |
| Average total loans | $18,502,000 | 5,957 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4325% | 5,460 |
| Cost of funding earning assets | 0.2065% | 5,690 |
| Net interest margin | 3.2260% | 4,844 |
| Noninterest income to average assets | 0.7980% | 1,886 |
| Noninterest expense to average assets | 2.0670% | 5,644 |
| Loan and lease loss provision to assets | 0.1460% | 1,807 |
| Net operating income to assets | 1.1131% | 1,933 |
| Return on assets (ROA) | 1.1269% | 1,934 |
| Pretax return on assets | 1.5843% | 1,285 |
| Return on Equity (ROE) | 13.1831% | 1,095 |
| Retained earnings to average equity (ytd only) | 13.1831% | 213 |
| Net charge-offs to loans | 0.1866% | 2,177 |
| Credit loss provision to net charge-offs | 214.2857% | 1,156 |
| Earnings coverage of net charge-offs (x) | 25.1143% | 1,510 |
| Efficiency ratio | 54.7141% | 5,786 |
| Assets per employee ($millions) | 6.7559% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8082% | 1,515 |
| Loan loss allowance to noncurrent loans | 64.1905% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 1.6541% | 1,627 |
| Noncurrent loans to loans | 2.8170% | 830 |
| Net loans and leases to total assets | 33.8594% | 6,043 |
| Net loans and leases to deposits | 37.1234% | 6,129 |
| Net loans and leases to core deposits | 37.6613% | 6,160 |
| Total domestic deposits to total assets | 91.2077% | 302 |
| Equity capital to assets | 8.7479% | 5,538 |
| Core capital (leverage) ratio | 8.9001% | 5,119 |
| Tier 1 risk-based capital ratio | 16.8367% | 2,587 |
| Total risk-based capital ratio | 18.0302% | 2,559 |
| Memoranda: | ||
| Average total assets | $51,379,200 | 5,759 |
| Average earning assets | $47,458,800 | 5,739 |
| Average equity | $4,392,000 | 6,011 |
| Average total loans | $18,756,400 | 6,006 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5500% | 5,273 |
| Cost of funding earning assets | 0.2135% | 5,726 |
| Net interest margin | 3.3365% | 4,487 |
| Noninterest income to average assets | 0.8124% | 1,842 |
| Noninterest expense to average assets | 2.1059% | 5,555 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3078% | 1,347 |
| Return on assets (ROA) | 1.3251% | 1,361 |
| Pretax return on assets | 1.8115% | 873 |
| Return on Equity (ROE) | 15.5984% | 731 |
| Retained earnings to average equity (ytd only) | 15.5984% | 179 |
| Net charge-offs to loans | 0.1420% | 2,375 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 33.9948% | 1,263 |
| Efficiency ratio | 54.0851% | 5,816 |
| Assets per employee ($millions) | 6.5855% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 2,807 |
| Loan loss allowance to noncurrent loans | 51.3011% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 1.7216% | 1,745 |
| Noncurrent loans to loans | 2.8920% | 936 |
| Net loans and leases to total assets | 34.7867% | 6,083 |
| Net loans and leases to deposits | 38.1582% | 6,179 |
| Net loans and leases to core deposits | 38.7242% | 6,219 |
| Total domestic deposits to total assets | 91.1643% | 320 |
| Equity capital to assets | 8.7731% | 5,569 |
| Core capital (leverage) ratio | 8.8564% | 5,256 |
| Tier 1 risk-based capital ratio | 16.9455% | 2,637 |
| Total risk-based capital ratio | 17.9451% | 2,685 |
| Memoranda: | ||
| Average total assets | $50,712,250 | 5,836 |
| Average earning assets | $46,834,500 | 5,816 |
| Average equity | $4,308,000 | 6,094 |
| Average total loans | $18,786,250 | 6,069 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6547% | 4,990 |
| Cost of funding earning assets | 0.2203% | 5,745 |
| Net interest margin | 3.4344% | 4,042 |
| Noninterest income to average assets | 0.8111% | 1,799 |
| Noninterest expense to average assets | 2.1337% | 5,554 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2214% | 1,525 |
| Return on assets (ROA) | 1.2267% | 1,570 |
| Pretax return on assets | 1.8620% | 737 |
| Return on Equity (ROE) | 14.6075% | 853 |
| Retained earnings to average equity (ytd only) | 14.6075% | 232 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5070% | 5,951 |
| Assets per employee ($millions) | 6.4614% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6170% | 2,401 |
| Loan loss allowance to noncurrent loans | 101.3699% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.2788% | 2,562 |
| Noncurrent loans to loans | 1.5951% | 2,182 |
| Net loans and leases to total assets | 34.8417% | 6,113 |
| Net loans and leases to deposits | 38.1511% | 6,222 |
| Net loans and leases to core deposits | 38.6838% | 6,253 |
| Total domestic deposits to total assets | 91.3254% | 304 |
| Equity capital to assets | 8.6205% | 5,695 |
| Core capital (leverage) ratio | 8.5290% | 5,607 |
| Tier 1 risk-based capital ratio | 15.9126% | 3,142 |
| Total risk-based capital ratio | 17.0014% | 3,159 |
| Memoranda: | ||
| Average total assets | $50,055,000 | 5,907 |
| Average earning assets | $46,296,330 | 5,884 |
| Average equity | $4,203,330 | 6,156 |
| Average total loans | $18,847,330 | 6,119 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7384% | 4,712 |
| Cost of funding earning assets | 0.2199% | 5,851 |
| Net interest margin | 3.5185% | 3,613 |
| Noninterest income to average assets | 0.7880% | 1,804 |
| Noninterest expense to average assets | 2.0797% | 5,719 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2573% | 1,324 |
| Return on assets (ROA) | 1.2105% | 1,518 |
| Pretax return on assets | 1.8848% | 670 |
| Return on Equity (ROE) | 14.6186% | 837 |
| Retained earnings to average equity (ytd only) | 14.6186% | 350 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5091% | 6,162 |
| Assets per employee ($millions) | 7.1053% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 2,846 |
| Loan loss allowance to noncurrent loans | 95.7929% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.3632% | 2,591 |
| Noncurrent loans to loans | 1.6361% | 2,380 |
| Net loans and leases to total assets | 37.3766% | 5,993 |
| Net loans and leases to deposits | 40.8913% | 6,140 |
| Net loans and leases to core deposits | 41.1629% | 6,194 |
| Total domestic deposits to total assets | 91.4048% | 413 |
| Equity capital to assets | 8.4243% | 5,722 |
| Core capital (leverage) ratio | 8.6289% | 5,494 |
| Tier 1 risk-based capital ratio | 15.6990% | 3,331 |
| Total risk-based capital ratio | 16.7678% | 3,395 |
| Memoranda: | ||
| Average total assets | $49,237,000 | 5,983 |
| Average earning assets | $45,474,500 | 5,956 |
| Average equity | $4,077,000 | 6,229 |
| Average total loans | $19,118,000 | 6,173 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8345% | 4,674 |
| Cost of funding earning assets | 0.2621% | 5,897 |
| Net interest margin | 3.5725% | 3,596 |
| Noninterest income to average assets | 0.9126% | 1,640 |
| Noninterest expense to average assets | 2.2501% | 5,502 |
| Loan and lease loss provision to assets | 0.2023% | 1,842 |
| Net operating income to assets | 1.2100% | 1,526 |
| Return on assets (ROA) | 1.2116% | 1,592 |
| Pretax return on assets | 1.7106% | 928 |
| Return on Equity (ROE) | 13.7416% | 1,007 |
| Retained earnings to average equity (ytd only) | 13.7416% | 207 |
| Net charge-offs to loans | 0.4311% | 1,544 |
| Credit loss provision to net charge-offs | 116.8831% | 2,057 |
| Earnings coverage of net charge-offs (x) | 11.0390% | 2,284 |
| Efficiency ratio | 54.0789% | 6,130 |
| Assets per employee ($millions) | 6.9624% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 3,053 |
| Loan loss allowance to noncurrent loans | 82.6816% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 1.4917% | 2,491 |
| Noncurrent loans to loans | 1.8501% | 2,170 |
| Net loans and leases to total assets | 39.0956% | 6,028 |
| Net loans and leases to deposits | 42.5759% | 6,197 |
| Net loans and leases to core deposits | 42.8632% | 6,277 |
| Total domestic deposits to total assets | 91.8255% | 322 |
| Equity capital to assets | 8.1335% | 5,917 |
| Core capital (leverage) ratio | 8.7916% | 5,296 |
| Tier 1 risk-based capital ratio | 15.0943% | 3,614 |
| Total risk-based capital ratio | 16.2060% | 3,639 |
| Memoranda: | ||
| Average total assets | $44,487,200 | 6,164 |
| Average earning assets | $40,448,400 | 6,158 |
| Average equity | $3,922,400 | 6,343 |
| Average total loans | $17,862,600 | 6,290 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8601% | 4,640 |
| Cost of funding earning assets | 0.2670% | 5,979 |
| Net interest margin | 3.5930% | 3,474 |
| Noninterest income to average assets | 0.9549% | 1,595 |
| Noninterest expense to average assets | 2.2475% | 5,484 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5083% | 882 |
| Return on assets (ROA) | 1.5106% | 922 |
| Pretax return on assets | 1.9742% | 608 |
| Return on Equity (ROE) | 16.7684% | 560 |
| Retained earnings to average equity (ytd only) | 16.7684% | 139 |
| Net charge-offs to loans | 0.3202% | 1,938 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 15.2854% | 1,877 |
| Efficiency ratio | 53.2751% | 6,164 |
| Assets per employee ($millions) | 6.3560% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 4,384 |
| Loan loss allowance to noncurrent loans | 87.9562% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.4452% | 2,784 |
| Noncurrent loans to loans | 1.4795% | 2,947 |
| Net loans and leases to total assets | 41.0838% | 5,960 |
| Net loans and leases to deposits | 45.0977% | 6,151 |
| Net loans and leases to core deposits | 45.4340% | 6,237 |
| Total domestic deposits to total assets | 91.0995% | 489 |
| Equity capital to assets | 8.8330% | 5,380 |
| Core capital (leverage) ratio | 8.8309% | 5,360 |
| Tier 1 risk-based capital ratio | 15.4205% | 3,511 |
| Total risk-based capital ratio | 16.3566% | 3,633 |
| Memoranda: | ||
| Average total assets | $43,424,750 | 6,260 |
| Average earning assets | $39,445,750 | 6,255 |
| Average equity | $3,912,000 | 6,422 |
| Average total loans | $17,490,750 | 6,365 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8086% | 4,803 |
| Cost of funding earning assets | 0.2665% | 6,063 |
| Net interest margin | 3.5420% | 3,597 |
| Noninterest income to average assets | 0.9752% | 1,592 |
| Noninterest expense to average assets | 2.1454% | 5,761 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7606% | 558 |
| Return on assets (ROA) | 1.7646% | 594 |
| Pretax return on assets | 2.0432% | 554 |
| Return on Equity (ROE) | 19.4572% | 348 |
| Retained earnings to average equity (ytd only) | 19.4572% | 97 |
| Net charge-offs to loans | 0.1983% | 2,574 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 25.8235% | 1,258 |
| Efficiency ratio | 51.2764% | 6,330 |
| Assets per employee ($millions) | 5.4758% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 3,918 |
| Loan loss allowance to noncurrent loans | 44.7987% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 2.1002% | 2,053 |
| Noncurrent loans to loans | 3.1817% | 1,381 |
| Net loans and leases to total assets | 42.1518% | 5,889 |
| Net loans and leases to deposits | 46.4026% | 6,079 |
| Net loans and leases to core deposits | 46.7551% | 6,196 |
| Total domestic deposits to total assets | 90.8392% | 604 |
| Equity capital to assets | 9.0969% | 5,104 |
| Core capital (leverage) ratio | 8.8808% | 5,175 |
| Tier 1 risk-based capital ratio | 15.0433% | 3,752 |
| Total risk-based capital ratio | 16.0844% | 3,851 |
| Memoranda: | ||
| Average total assets | $43,069,000 | 6,313 |
| Average earning assets | $39,017,330 | 6,314 |
| Average equity | $3,906,000 | 6,474 |
| Average total loans | $17,147,670 | 6,421 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7008% | 5,162 |
| Cost of funding earning assets | 0.3058% | 5,926 |
| Net interest margin | 3.3949% | 4,138 |
| Noninterest income to average assets | 0.8806% | 1,827 |
| Noninterest expense to average assets | 2.0702% | 5,969 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8641% | 426 |
| Return on assets (ROA) | 1.8641% | 467 |
| Pretax return on assets | 1.9297% | 691 |
| Return on Equity (ROE) | 20.5871% | 257 |
| Retained earnings to average equity (ytd only) | 20.5871% | 119 |
| Net charge-offs to loans | 0.0489% | 3,345 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 103.0000% | 368 |
| Efficiency ratio | 51.7564% | 6,396 |
| Assets per employee ($millions) | 7.2347% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7021% | 3,001 |
| Loan loss allowance to noncurrent loans | 97.5694% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.4099% | 3,158 |
| Noncurrent loans to loans | 1.7445% | 2,936 |
| Net loans and leases to total assets | 37.3848% | 6,191 |
| Net loans and leases to deposits | 41.1742% | 6,370 |
| Net loans and leases to core deposits | 41.4911% | 6,419 |
| Total domestic deposits to total assets | 90.7966% | 616 |
| Equity capital to assets | 9.1412% | 5,318 |
| Core capital (leverage) ratio | 8.6599% | 5,379 |
| Tier 1 risk-based capital ratio | 15.6882% | 3,434 |
| Total risk-based capital ratio | 16.8871% | 3,423 |
| Memoranda: | ||
| Average total assets | $42,700,500 | 6,380 |
| Average earning assets | $39,235,000 | 6,358 |
| Average equity | $3,866,500 | 6,545 |
| Average total loans | $16,355,500 | 6,517 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6767% | 6,090 |
| Cost of funding earning assets | 0.4389% | 5,658 |
| Net interest margin | 3.2377% | 5,465 |
| Noninterest income to average assets | 0.9526% | 1,692 |
| Noninterest expense to average assets | 2.5014% | 5,086 |
| Loan and lease loss provision to assets | 0.1410% | 3,844 |
| Net operating income to assets | 1.0636% | 2,074 |
| Return on assets (ROA) | 1.2049% | 1,748 |
| Pretax return on assets | 1.4350% | 1,920 |
| Return on Equity (ROE) | 13.6483% | 1,071 |
| Retained earnings to average equity (ytd only) | 13.6483% | 219 |
| Net charge-offs to loans | 0.7646% | 1,533 |
| Credit loss provision to net charge-offs | 49.5652% | 4,713 |
| Earnings coverage of net charge-offs (x) | 4.9478% | 3,197 |
| Efficiency ratio | 63.9873% | 4,891 |
| Assets per employee ($millions) | 5.9990% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7467% | 2,768 |
| Loan loss allowance to noncurrent loans | 73.6979% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 1.6860% | 2,872 |
| Noncurrent loans to loans | 2.3701% | 2,266 |
| Net loans and leases to total assets | 37.9087% | 6,316 |
| Net loans and leases to deposits | 41.6706% | 6,476 |
| Net loans and leases to core deposits | 42.2894% | 6,535 |
| Total domestic deposits to total assets | 90.9723% | 505 |
| Equity capital to assets | 8.9658% | 5,558 |
| Core capital (leverage) ratio | 8.2991% | 5,887 |
| Tier 1 risk-based capital ratio | 15.2323% | 3,592 |
| Total risk-based capital ratio | 16.4718% | 3,543 |
| Memoranda: | ||
| Average total assets | $40,416,800 | 6,490 |
| Average earning assets | $36,908,400 | 6,474 |
| Average equity | $3,568,200 | 6,674 |
| Average total loans | $15,040,200 | 6,656 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6373% | 6,338 |
| Cost of funding earning assets | 0.4698% | 5,640 |
| Net interest margin | 3.1675% | 5,777 |
| Noninterest income to average assets | 0.9461% | 1,682 |
| Noninterest expense to average assets | 2.7284% | 4,255 |
| Loan and lease loss provision to assets | 0.1899% | 3,213 |
| Net operating income to assets | 0.8659% | 3,151 |
| Return on assets (ROA) | 1.0194% | 2,641 |
| Pretax return on assets | 1.0627% | 3,492 |
| Return on Equity (ROE) | 11.5939% | 1,761 |
| Retained earnings to average equity (ytd only) | 11.5939% | 592 |
| Net charge-offs to loans | 1.0486% | 1,003 |
| Credit loss provision to net charge-offs | 49.1379% | 4,422 |
| Earnings coverage of net charge-offs (x) | 2.8276% | 3,906 |
| Efficiency ratio | 71.4037% | 3,431 |
| Assets per employee ($millions) | 5.9327% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8926% | 2,501 |
| Loan loss allowance to noncurrent loans | 94.0199% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 1.5026% | 3,336 |
| Noncurrent loans to loans | 2.0130% | 2,830 |
| Net loans and leases to total assets | 35.3247% | 6,595 |
| Net loans and leases to deposits | 38.7757% | 6,725 |
| Net loans and leases to core deposits | 39.3572% | 6,769 |
| Total domestic deposits to total assets | 91.1002% | 390 |
| Equity capital to assets | 8.8011% | 6,014 |
| Core capital (leverage) ratio | 7.9515% | 6,362 |
| Tier 1 risk-based capital ratio | 15.2915% | 3,653 |
| Total risk-based capital ratio | 16.5530% | 3,602 |
| Memoranda: | ||
| Average total assets | $40,022,750 | 6,586 |
| Average earning assets | $36,326,750 | 6,570 |
| Average equity | $3,519,000 | 6,766 |
| Average total loans | $14,749,750 | 6,759 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8732% | 5,980 |
| Cost of funding earning assets | 0.5220% | 5,472 |
| Net interest margin | 3.3512% | 5,270 |
| Noninterest income to average assets | 1.0071% | 1,449 |
| Noninterest expense to average assets | 2.7074% | 4,381 |
| Loan and lease loss provision to assets | 0.0810% | 4,583 |
| Net operating income to assets | 1.2399% | 1,583 |
| Return on assets (ROA) | 1.3461% | 1,473 |
| Pretax return on assets | 1.3461% | 2,400 |
| Return on Equity (ROE) | 15.3152% | 886 |
| Retained earnings to average equity (ytd only) | 15.3152% | 268 |
| Net charge-offs to loans | 0.0817% | 4,326 |
| Credit loss provision to net charge-offs | 266.6667% | 1,080 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 819 |
| Efficiency ratio | 67.2111% | 4,288 |
| Assets per employee ($millions) | 6.8005% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4427% | 1,360 |
| Loan loss allowance to noncurrent loans | 64.8250% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 1.9337% | 2,867 |
| Noncurrent loans to loans | 3.7682% | 1,493 |
| Net loans and leases to total assets | 34.4533% | 6,701 |
| Net loans and leases to deposits | 37.8707% | 6,809 |
| Net loans and leases to core deposits | 38.8923% | 6,833 |
| Total domestic deposits to total assets | 90.9762% | 456 |
| Equity capital to assets | 8.8940% | 5,814 |
| Core capital (leverage) ratio | 8.6638% | 5,430 |
| Tier 1 risk-based capital ratio | 15.6909% | 3,337 |
| Total risk-based capital ratio | 16.9458% | 3,299 |
| Memoranda: | ||
| Average total assets | $39,520,670 | 6,645 |
| Average earning assets | $35,629,330 | 6,634 |
| Average equity | $3,473,670 | 6,817 |
| Average total loans | $14,682,000 | 6,816 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7723% | 6,308 |
| Cost of funding earning assets | 0.5357% | 5,578 |
| Net interest margin | 3.2366% | 5,679 |
| Noninterest income to average assets | 1.1111% | 1,145 |
| Noninterest expense to average assets | 2.6235% | 4,735 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4712% | 1,080 |
| Return on assets (ROA) | 1.4712% | 1,208 |
| Pretax return on assets | 1.4712% | 1,960 |
| Return on Equity (ROE) | 16.8433% | 695 |
| Retained earnings to average equity (ytd only) | 16.8433% | 316 |
| Net charge-offs to loans | 0.1620% | 3,117 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 23.8333% | 1,081 |
| Efficiency ratio | 64.0704% | 4,912 |
| Assets per employee ($millions) | 6.6557% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3124% | 1,654 |
| Loan loss allowance to noncurrent loans | 63.6882% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.9282% | 3,005 |
| Noncurrent loans to loans | 3.6308% | 1,710 |
| Net loans and leases to total assets | 35.4385% | 6,657 |
| Net loans and leases to deposits | 38.8428% | 6,790 |
| Net loans and leases to core deposits | 39.9120% | 6,818 |
| Total domestic deposits to total assets | 91.2355% | 463 |
| Equity capital to assets | 8.6643% | 5,914 |
| Core capital (leverage) ratio | 8.2746% | 5,913 |
| Tier 1 risk-based capital ratio | 14.8383% | 3,864 |
| Total risk-based capital ratio | 16.1356% | 3,802 |
| Memoranda: | ||
| Average total assets | $38,879,500 | 6,716 |
| Average earning assets | $35,840,000 | 6,676 |
| Average equity | $3,396,000 | 6,874 |
| Average total loans | $14,818,000 | 6,871 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7391% | 6,800 |
| Cost of funding earning assets | 0.6949% | 5,572 |
| Net interest margin | 3.0442% | 6,459 |
| Noninterest income to average assets | 0.8435% | 1,872 |
| Noninterest expense to average assets | 2.5062% | 5,449 |
| Loan and lease loss provision to assets | 0.1622% | 4,603 |
| Net operating income to assets | 0.9111% | 2,554 |
| Return on assets (ROA) | 0.9111% | 2,672 |
| Pretax return on assets | 0.9111% | 3,572 |
| Return on Equity (ROE) | 10.7750% | 1,776 |
| Retained earnings to average equity (ytd only) | 10.7750% | 434 |
| Net charge-offs to loans | 0.3489% | 3,655 |
| Credit loss provision to net charge-offs | 117.6471% | 2,735 |
| Earnings coverage of net charge-offs (x) | 7.7843% | 2,267 |
| Efficiency ratio | 70.0151% | 3,955 |
| Assets per employee ($millions) | 5.4036% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2576% | 1,695 |
| Loan loss allowance to noncurrent loans | 61.2903% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 2.1203% | 2,828 |
| Noncurrent loans to loans | 3.6834% | 1,715 |
| Net loans and leases to total assets | 39.1461% | 6,589 |
| Net loans and leases to deposits | 42.9761% | 6,762 |
| Net loans and leases to core deposits | 44.2224% | 6,806 |
| Total domestic deposits to total assets | 91.0879% | 473 |
| Equity capital to assets | 8.8090% | 5,786 |
| Core capital (leverage) ratio | 7.7493% | 6,494 |
| Tier 1 risk-based capital ratio | 14.6796% | 3,850 |
| Total risk-based capital ratio | 15.9622% | 3,799 |
| Memoranda: | ||
| Average total assets | $36,988,200 | 6,765 |
| Average earning assets | $33,243,600 | 6,772 |
| Average equity | $3,127,600 | 6,982 |
| Average total loans | $14,615,400 | 6,924 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7198% | 6,919 |
| Cost of funding earning assets | 0.7278% | 5,610 |
| Net interest margin | 2.9920% | 6,600 |
| Noninterest income to average assets | 0.8555% | 1,817 |
| Noninterest expense to average assets | 2.3817% | 5,812 |
| Loan and lease loss provision to assets | 0.0362% | 5,985 |
| Net operating income to assets | 1.1202% | 1,905 |
| Return on assets (ROA) | 1.1202% | 2,041 |
| Pretax return on assets | 1.1202% | 2,925 |
| Return on Equity (ROE) | 13.3915% | 1,186 |
| Retained earnings to average equity (ytd only) | 13.3915% | 342 |
| Net charge-offs to loans | 0.4787% | 2,820 |
| Credit loss provision to net charge-offs | 19.2308% | 5,571 |
| Earnings coverage of net charge-offs (x) | 6.1347% | 2,613 |
| Efficiency ratio | 67.3156% | 4,460 |
| Assets per employee ($millions) | 5.3230% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9194% | 2,563 |
| Loan loss allowance to noncurrent loans | 50.5226% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 2.2919% | 2,795 |
| Noncurrent loans to loans | 3.7991% | 1,778 |
| Net loans and leases to total assets | 39.7708% | 6,652 |
| Net loans and leases to deposits | 43.6623% | 6,848 |
| Net loans and leases to core deposits | 44.9483% | 6,889 |
| Total domestic deposits to total assets | 91.0872% | 410 |
| Equity capital to assets | 8.8269% | 5,951 |
| Core capital (leverage) ratio | 7.8772% | 6,504 |
| Tier 1 risk-based capital ratio | 14.4087% | 4,043 |
| Total risk-based capital ratio | 15.6604% | 4,008 |
| Memoranda: | ||
| Average total assets | $36,779,000 | 6,833 |
| Average earning assets | $32,976,250 | 6,843 |
| Average equity | $3,076,500 | 7,052 |
| Average total loans | $14,482,000 | 6,996 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7892% | 6,931 |
| Cost of funding earning assets | 0.7480% | 5,682 |
| Net interest margin | 3.0412% | 6,518 |
| Noninterest income to average assets | 0.8083% | 1,977 |
| Noninterest expense to average assets | 2.4359% | 5,736 |
| Loan and lease loss provision to assets | 0.0546% | 5,634 |
| Net operating income to assets | 1.0268% | 2,117 |
| Return on assets (ROA) | 1.0268% | 2,212 |
| Pretax return on assets | 1.0268% | 3,132 |
| Return on Equity (ROE) | 12.5097% | 1,337 |
| Retained earnings to average equity (ytd only) | 12.5097% | 457 |
| Net charge-offs to loans | 0.5465% | 2,464 |
| Credit loss provision to net charge-offs | 25.6410% | 5,052 |
| Earnings coverage of net charge-offs (x) | 5.0769% | 2,697 |
| Efficiency ratio | 69.2547% | 4,272 |
| Assets per employee ($millions) | 5.2927% | 1,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1467% | 2,015 |
| Loan loss allowance to noncurrent loans | 80.3714% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.7733% | 3,548 |
| Noncurrent loans to loans | 2.6709% | 2,724 |
| Net loans and leases to total assets | 37.2804% | 6,899 |
| Net loans and leases to deposits | 40.7915% | 7,038 |
| Net loans and leases to core deposits | 41.9907% | 7,069 |
| Total domestic deposits to total assets | 91.3925% | 370 |
| Equity capital to assets | 8.4807% | 6,207 |
| Core capital (leverage) ratio | 7.8895% | 6,423 |
| Tier 1 risk-based capital ratio | 14.5072% | 3,780 |
| Total risk-based capital ratio | 15.7827% | 3,740 |
| Memoranda: | ||
| Average total assets | $36,618,330 | 6,897 |
| Average earning assets | $32,619,000 | 6,915 |
| Average equity | $3,005,670 | 7,123 |
| Average total loans | $14,273,000 | 7,075 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7922% | 6,959 |
| Cost of funding earning assets | 0.7732% | 5,728 |
| Net interest margin | 3.0190% | 6,538 |
| Noninterest income to average assets | 0.7911% | 2,066 |
| Noninterest expense to average assets | 2.4503% | 5,739 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0439% | 2,023 |
| Return on assets (ROA) | 1.0439% | 2,080 |
| Pretax return on assets | 1.0439% | 2,974 |
| Return on Equity (ROE) | 12.9362% | 1,212 |
| Retained earnings to average equity (ytd only) | 12.9362% | 600 |
| Net charge-offs to loans | 0.2787% | 2,951 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,714 |
| Efficiency ratio | 70.1258% | 4,238 |
| Assets per employee ($millions) | 4.9624% | 2,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1744% | 2,020 |
| Loan loss allowance to noncurrent loans | 68.5106% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 2.0554% | 3,254 |
| Noncurrent loans to loans | 3.1737% | 2,370 |
| Net loans and leases to total assets | 41.7048% | 6,652 |
| Net loans and leases to deposits | 45.6888% | 6,870 |
| Net loans and leases to core deposits | 47.1260% | 6,915 |
| Total domestic deposits to total assets | 91.2802% | 494 |
| Equity capital to assets | 8.5903% | 5,781 |
| Core capital (leverage) ratio | 7.0642% | 6,981 |
| Tier 1 risk-based capital ratio | 13.8485% | 4,179 |
| Total risk-based capital ratio | 15.1089% | 4,145 |
| Memoranda: | ||
| Average total assets | $36,403,000 | 6,953 |
| Average earning assets | $32,593,500 | 6,969 |
| Average equity | $2,937,500 | 7,188 |
| Average total loans | $14,352,000 | 7,125 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1914% | 6,939 |
| Cost of funding earning assets | 0.7320% | 6,788 |
| Net interest margin | 3.4595% | 5,399 |
| Noninterest income to average assets | 0.9731% | 1,595 |
| Noninterest expense to average assets | 2.7911% | 4,640 |
| Loan and lease loss provision to assets | 0.1033% | 6,109 |
| Net operating income to assets | 1.0514% | 1,868 |
| Return on assets (ROA) | 1.0514% | 1,964 |
| Pretax return on assets | 1.0514% | 2,771 |
| Return on Equity (ROE) | 12.0421% | 1,309 |
| Retained earnings to average equity (ytd only) | 12.0421% | 272 |
| Net charge-offs to loans | 0.1581% | 5,401 |
| Credit loss provision to net charge-offs | 157.1429% | 2,240 |
| Earnings coverage of net charge-offs (x) | 17.5714% | 1,141 |
| Efficiency ratio | 70.7375% | 4,028 |
| Assets per employee ($millions) | 5.4384% | 1,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3893% | 1,558 |
| Loan loss allowance to noncurrent loans | 62.4060% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 2.0384% | 3,301 |
| Noncurrent loans to loans | 3.8287% | 1,925 |
| Net loans and leases to total assets | 35.6274% | 7,171 |
| Net loans and leases to deposits | 38.6014% | 7,292 |
| Net loans and leases to core deposits | 39.6869% | 7,310 |
| Total domestic deposits to total assets | 92.2956% | 219 |
| Equity capital to assets | 7.5941% | 6,821 |
| Core capital (leverage) ratio | 7.1684% | 6,928 |
| Tier 1 risk-based capital ratio | 13.4683% | 4,231 |
| Total risk-based capital ratio | 14.7254% | 4,195 |
| Memoranda: | ||
| Average total assets | $31,958,800 | 7,147 |
| Average earning assets | $27,460,800 | 7,176 |
| Average equity | $2,790,200 | 7,328 |
| Average total loans | $13,284,800 | 7,240 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4439% | 6,742 |
| Cost of funding earning assets | 0.7587% | 6,889 |
| Net interest margin | 3.6852% | 4,484 |
| Noninterest income to average assets | 1.0515% | 1,303 |
| Noninterest expense to average assets | 2.9925% | 3,772 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1873% | 1,629 |
| Return on assets (ROA) | 1.1873% | 1,724 |
| Pretax return on assets | 1.1873% | 2,540 |
| Return on Equity (ROE) | 13.0676% | 1,235 |
| Retained earnings to average equity (ytd only) | 13.0676% | 343 |
| Net charge-offs to loans | 0.1218% | 5,329 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 22.5825% | 1,089 |
| Efficiency ratio | 71.5933% | 3,781 |
| Assets per employee ($millions) | 4.7857% | 2,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2358% | 1,730 |
| Loan loss allowance to noncurrent loans | 64.9049% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 2.1403% | 3,281 |
| Noncurrent loans to loans | 3.4448% | 2,315 |
| Net loans and leases to total assets | 40.0716% | 7,069 |
| Net loans and leases to deposits | 43.9095% | 7,246 |
| Net loans and leases to core deposits | 45.3345% | 7,280 |
| Total domestic deposits to total assets | 91.2597% | 365 |
| Equity capital to assets | 8.6478% | 6,105 |
| Core capital (leverage) ratio | 7.3380% | 6,982 |
| Tier 1 risk-based capital ratio | 14.1152% | 3,753 |
| Total risk-based capital ratio | 15.3704% | 3,727 |
| Memoranda: | ||
| Average total assets | $30,431,250 | 7,276 |
| Average earning assets | $25,832,250 | 7,326 |
| Average equity | $2,765,000 | 7,431 |
| Average total loans | $13,132,250 | 7,340 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5303% | 6,634 |
| Cost of funding earning assets | 0.7762% | 6,987 |
| Net interest margin | 3.7542% | 4,112 |
| Noninterest income to average assets | 1.0949% | 1,107 |
| Noninterest expense to average assets | 3.0740% | 3,419 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2445% | 1,440 |
| Return on assets (ROA) | 1.2445% | 1,501 |
| Pretax return on assets | 1.2445% | 2,274 |
| Return on Equity (ROE) | 13.4509% | 1,150 |
| Retained earnings to average equity (ytd only) | 13.4509% | 343 |
| Net charge-offs to loans | 0.4794% | 3,101 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 5.9032% | 2,573 |
| Efficiency ratio | 71.1811% | 3,957 |
| Assets per employee ($millions) | 4.2959% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1890% | 1,781 |
| Loan loss allowance to noncurrent loans | 60.0418% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 2.1416% | 3,323 |
| Noncurrent loans to loans | 3.6458% | 2,163 |
| Net loans and leases to total assets | 37.3149% | 7,300 |
| Net loans and leases to deposits | 40.6788% | 7,429 |
| Net loans and leases to core deposits | 41.9496% | 7,454 |
| Total domestic deposits to total assets | 91.7304% | 278 |
| Equity capital to assets | 8.1764% | 6,570 |
| Core capital (leverage) ratio | 8.1720% | 5,996 |
| Tier 1 risk-based capital ratio | 14.0862% | 3,671 |
| Total risk-based capital ratio | 15.3378% | 3,628 |
| Memoranda: | ||
| Average total assets | $29,408,330 | 7,367 |
| Average earning assets | $25,252,000 | 7,390 |
| Average equity | $2,721,000 | 7,495 |
| Average total loans | $12,932,670 | 7,402 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0570% | 4,749 |
| Cost of funding earning assets | 0.8630% | 6,892 |
| Net interest margin | 4.1940% | 2,061 |
| Noninterest income to average assets | 1.1140% | 1,013 |
| Noninterest expense to average assets | 3.5501% | 1,846 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1735% | 1,607 |
| Return on assets (ROA) | 1.1735% | 1,689 |
| Pretax return on assets | 1.1735% | 2,463 |
| Return on Equity (ROE) | 11.8065% | 1,546 |
| Retained earnings to average equity (ytd only) | 11.8065% | 780 |
| Net charge-offs to loans | 0.3426% | 3,041 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 7.1818% | 2,123 |
| Efficiency ratio | 75.1572% | 3,366 |
| Assets per employee ($millions) | 3.3866% | 5,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3452% | 1,504 |
| Loan loss allowance to noncurrent loans | 58.4440% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 2.8974% | 2,475 |
| Noncurrent loans to loans | 4.0128% | 1,951 |
| Net loans and leases to total assets | 47.3370% | 6,728 |
| Net loans and leases to deposits | 52.6910% | 7,001 |
| Net loans and leases to core deposits | 57.9792% | 6,883 |
| Total domestic deposits to total assets | 89.8387% | 1,076 |
| Equity capital to assets | 10.0210% | 3,841 |
| Core capital (leverage) ratio | 8.6937% | 5,029 |
| Tier 1 risk-based capital ratio | 14.6858% | 3,264 |
| Total risk-based capital ratio | 15.9412% | 3,232 |
| Memoranda: | ||
| Average total assets | $26,929,000 | 7,533 |
| Average earning assets | $23,176,000 | 7,559 |
| Average equity | $2,676,500 | 7,587 |
| Average total loans | $12,843,500 | 7,506 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1602% | 5,833 |
| Cost of funding earning assets | 1.1399% | 6,853 |
| Net interest margin | 4.0203% | 2,780 |
| Noninterest income to average assets | 0.9167% | 1,882 |
| Noninterest expense to average assets | 3.6169% | 2,106 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8320% | 2,407 |
| Return on assets (ROA) | 0.8320% | 2,493 |
| Pretax return on assets | 0.8320% | 3,141 |
| Return on Equity (ROE) | 8.6538% | 2,146 |
| Retained earnings to average equity (ytd only) | 8.6538% | 554 |
| Net charge-offs to loans | 0.2635% | 4,972 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 7.4483% | 2,144 |
| Efficiency ratio | 81.2987% | 2,700 |
| Assets per employee ($millions) | 3.8236% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5410% | 1,175 |
| Loan loss allowance to noncurrent loans | 55.6719% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 2.9105% | 2,406 |
| Noncurrent loans to loans | 4.5643% | 1,546 |
| Net loans and leases to total assets | 45.7127% | 7,008 |
| Net loans and leases to deposits | 50.7929% | 7,214 |
| Net loans and leases to core deposits | 59.6626% | 7,278 |
| Total domestic deposits to total assets | 89.9981% | 961 |
| Equity capital to assets | 9.8562% | 3,937 |
| Core capital (leverage) ratio | 8.4359% | 5,378 |
| Tier 1 risk-based capital ratio | 14.6926% | 3,104 |
| Total risk-based capital ratio | 15.9535% | 3,050 |
| Memoranda: | ||
| Average total assets | $25,961,400 | 7,611 |
| Average earning assets | $22,809,400 | 7,620 |
| Average equity | $2,496,000 | 7,733 |
| Average total loans | $11,004,800 | 7,658 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0690% | 6,382 |
| Cost of funding earning assets | 1.0925% | 7,191 |
| Net interest margin | 3.9764% | 2,910 |
| Noninterest income to average assets | 0.9006% | 1,977 |
| Noninterest expense to average assets | 3.7058% | 1,806 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.6987% | 3,218 |
| Return on assets (ROA) | 0.6987% | 3,271 |
| Pretax return on assets | 0.6987% | 3,863 |
| Return on Equity (ROE) | 7.3156% | 2,942 |
| Retained earnings to average equity (ytd only) | 7.3156% | 1,391 |
| Net charge-offs to loans | 0.4772% | 3,318 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 3.5524% | 3,484 |
| Efficiency ratio | 84.1363% | 2,278 |
| Assets per employee ($millions) | 3.9313% | 3,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4731% | 1,091 |
| Loan loss allowance to noncurrent loans | 40.5759% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 3.5248% | 1,881 |
| Noncurrent loans to loans | 6.0949% | 958 |
| Net loans and leases to total assets | 44.4239% | 7,214 |
| Net loans and leases to deposits | 49.0216% | 7,457 |
| Net loans and leases to core deposits | 57.7850% | 7,475 |
| Total domestic deposits to total assets | 90.6210% | 548 |
| Equity capital to assets | 9.2227% | 5,132 |
| Core capital (leverage) ratio | 8.2099% | 5,994 |
| Tier 1 risk-based capital ratio | 14.0944% | 3,491 |
| Total risk-based capital ratio | 15.3556% | 3,430 |
| Memoranda: | ||
| Average total assets | $25,760,500 | 7,690 |
| Average earning assets | $22,699,750 | 7,699 |
| Average equity | $2,460,500 | 7,818 |
| Average total loans | $10,617,500 | 7,753 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0244% | 6,690 |
| Cost of funding earning assets | 1.0502% | 7,462 |
| Net interest margin | 3.9743% | 2,814 |
| Noninterest income to average assets | 0.9295% | 1,844 |
| Noninterest expense to average assets | 3.6784% | 1,878 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7388% | 3,098 |
| Return on assets (ROA) | 0.7388% | 3,201 |
| Pretax return on assets | 0.7388% | 3,871 |
| Return on Equity (ROE) | 7.6396% | 2,909 |
| Retained earnings to average equity (ytd only) | 7.6396% | 1,338 |
| Net charge-offs to loans | -0.3407% | 8,080 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2734% | 2,571 |
| Assets per employee ($millions) | 3.7349% | 4,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3748% | 417 |
| Loan loss allowance to noncurrent loans | 40.0000% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 4.3069% | 1,338 |
| Noncurrent loans to loans | 8.4371% | 493 |
| Net loans and leases to total assets | 40.0819% | 7,547 |
| Net loans and leases to deposits | 44.3087% | 7,690 |
| Net loans and leases to core deposits | 50.6893% | 7,751 |
| Total domestic deposits to total assets | 90.4605% | 645 |
| Equity capital to assets | 9.4094% | 4,734 |
| Core capital (leverage) ratio | 8.2319% | 5,919 |
| Tier 1 risk-based capital ratio | 15.2339% | 2,920 |
| Total risk-based capital ratio | 16.4681% | 2,862 |
| Memoranda: | ||
| Average total assets | $25,174,330 | 7,783 |
| Average earning assets | $22,092,000 | 7,790 |
| Average equity | $2,434,670 | 7,895 |
| Average total loans | $9,978,330 | 7,864 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0908% | 6,676 |
| Cost of funding earning assets | 0.9522% | 7,748 |
| Net interest margin | 4.1385% | 2,133 |
| Noninterest income to average assets | 0.9397% | 1,693 |
| Noninterest expense to average assets | 3.7425% | 1,577 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8587% | 2,882 |
| Return on assets (ROA) | 0.8587% | 3,032 |
| Pretax return on assets | 0.8587% | 3,860 |
| Return on Equity (ROE) | 8.7531% | 2,816 |
| Retained earnings to average equity (ytd only) | 8.7531% | 1,549 |
| Net charge-offs to loans | -0.5029% | 8,105 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3380% | 2,634 |
| Assets per employee ($millions) | 3.7059% | 4,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6119% | 294 |
| Loan loss allowance to noncurrent loans | 47.6821% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 3.7238% | 1,421 |
| Noncurrent loans to loans | 7.5750% | 497 |
| Net loans and leases to total assets | 37.0340% | 7,694 |
| Net loans and leases to deposits | 40.9366% | 7,815 |
| Net loans and leases to core deposits | 44.0547% | 7,901 |
| Total domestic deposits to total assets | 90.4668% | 609 |
| Equity capital to assets | 9.4676% | 4,713 |
| Core capital (leverage) ratio | 8.7933% | 5,001 |
| Tier 1 risk-based capital ratio | 15.9789% | 2,696 |
| Total risk-based capital ratio | 17.2498% | 2,627 |
| Memoranda: | ||
| Average total assets | $24,689,500 | 7,846 |
| Average earning assets | $21,843,500 | 7,845 |
| Average equity | $2,422,000 | 7,951 |
| Average total loans | $9,545,000 | 7,930 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2964% | 7,601 |
| Cost of funding earning assets | 1.4313% | 7,706 |
| Net interest margin | 3.8651% | 3,725 |
| Noninterest income to average assets | 1.0041% | 1,561 |
| Noninterest expense to average assets | 4.3983% | 960 |
| Loan and lease loss provision to assets | -0.1073% | 8,257 |
| Net operating income to assets | 0.0386% | 6,263 |
| Return on assets (ROA) | 0.0386% | 6,124 |
| Pretax return on assets | 0.0386% | 6,077 |
| Return on Equity (ROE) | 0.3920% | 6,110 |
| Retained earnings to average equity (ytd only) | 0.3920% | 5,003 |
| Net charge-offs to loans | 2.3729% | 433 |
| Credit loss provision to net charge-offs | -11.7925% | 7,270 |
| Earnings coverage of net charge-offs (x) | -0.0755% | 6,302 |
| Efficiency ratio | 101.5857% | 923 |
| Assets per employee ($millions) | 2.9298% | 6,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8145% | 213 |
| Loan loss allowance to noncurrent loans | 48.0663% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 3.9892% | 1,032 |
| Noncurrent loans to loans | 7.9360% | 344 |
| Net loans and leases to total assets | 37.4392% | 7,776 |
| Net loans and leases to deposits | 41.7599% | 7,902 |
| Net loans and leases to core deposits | 44.8666% | 7,986 |
| Total domestic deposits to total assets | 89.6536% | 782 |
| Equity capital to assets | 10.1886% | 3,818 |
| Core capital (leverage) ratio | 8.6073% | 5,371 |
| Tier 1 risk-based capital ratio | 16.7492% | 2,402 |
| Total risk-based capital ratio | 18.0170% | 2,329 |
| Memoranda: | ||
| Average total assets | $23,304,400 | 7,899 |
| Average earning assets | $20,051,400 | 7,937 |
| Average equity | $2,296,000 | 8,053 |
| Average total loans | $8,934,400 | 7,990 |