Home > The First National Bank of Quitaque > Performance and Condition Ratios
The First National Bank of Quitaque, 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 | 6.1964% | 495 |
| Cost of funding earning assets | 1.4525% | 2,070 |
| Net interest margin | 4.7439% | 451 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.0281% | 3,559 |
| Loan and lease loss provision to assets | 0.4700% | 196 |
| Net operating income to assets | 1.7263% | 695 |
| Return on assets (ROA) | 1.7263% | 669 |
| Pretax return on assets | 2.1676% | 513 |
| Return on Equity (ROE) | 18.8000% | 726 |
| Retained earnings to average equity (ytd only) | 17.0883% | 216 |
| Net charge-offs to loans | 0.4343% | 233 |
| Credit loss provision to net charge-offs | 291.7874% | 973 |
| Earnings coverage of net charge-offs (x) | 16.2754% | 2,016 |
| Efficiency ratio | 43.4352% | 4,268 |
| Assets per employee ($millions) | 8.0344% | 1,416 |
| Cash dividends to net income (ytd only)* | 9.0827% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7029% | 654 |
| Loan loss allowance to noncurrent loans | 64.4397% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 1.0192% | 483 |
| Noncurrent loans to loans | 2.6426% | 174 |
| Net loans and leases to total assets | 37.9100% | 4,099 |
| Net loans and leases to deposits | 42.4215% | 4,146 |
| Net loans and leases to core deposits | 44.4580% | 4,195 |
| Total domestic deposits to total assets | 89.3600% | 962 |
| Equity capital to assets | 9.3452% | 2,460 |
| Core capital (leverage) ratio | 9.4759% | 3,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $127,558,000 | 3,573 |
| Average earning assets | $116,761,200 | 3,577 |
| Average equity | $11,715,600 | 3,555 |
| Average total loans | $47,659,600 | 3,875 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9806% | 544 |
| Cost of funding earning assets | 1.3003% | 2,145 |
| Net interest margin | 4.6803% | 472 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.0122% | 3,567 |
| Loan and lease loss provision to assets | 0.6400% | 115 |
| Net operating income to assets | 1.5738% | 975 |
| Return on assets (ROA) | 1.5738% | 965 |
| Pretax return on assets | 1.9430% | 813 |
| Return on Equity (ROE) | 17.2200% | 1,040 |
| Retained earnings to average equity (ytd only) | 17.2170% | 379 |
| Net charge-offs to loans | 0.5861% | 149 |
| Credit loss provision to net charge-offs | 296.0784% | 896 |
| Earnings coverage of net charge-offs (x) | 11.9118% | 2,086 |
| Efficiency ratio | 43.7630% | 4,243 |
| Assets per employee ($millions) | 7.7188% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6673% | 758 |
| Loan loss allowance to noncurrent loans | 64.1483% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.0692% | 464 |
| Noncurrent loans to loans | 2.5991% | 183 |
| Net loans and leases to total assets | 40.4500% | 4,036 |
| Net loans and leases to deposits | 45.2674% | 4,072 |
| Net loans and leases to core deposits | 47.3993% | 4,101 |
| Total domestic deposits to total assets | 89.3600% | 1,137 |
| Equity capital to assets | 9.2974% | 2,225 |
| Core capital (leverage) ratio | 9.4884% | 3,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $125,301,500 | 3,613 |
| Average earning assets | $114,433,750 | 3,610 |
| Average equity | $11,453,500 | 3,581 |
| Average total loans | $46,405,750 | 3,903 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6657% | 673 |
| Cost of funding earning assets | 1.1093% | 2,255 |
| Net interest margin | 4.5564% | 574 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 1.9703% | 3,655 |
| Loan and lease loss provision to assets | 0.4500% | 169 |
| Net operating income to assets | 1.6509% | 872 |
| Return on assets (ROA) | 1.6509% | 872 |
| Pretax return on assets | 2.0644% | 672 |
| Return on Equity (ROE) | 18.1700% | 929 |
| Retained earnings to average equity (ytd only) | 18.1710% | 332 |
| Net charge-offs to loans | -0.1094% | 4,523 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 43.9580% | 4,255 |
| Assets per employee ($millions) | 7.6264% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6985% | 755 |
| Loan loss allowance to noncurrent loans | 50.2197% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.2287% | 325 |
| Noncurrent loans to loans | 3.3822% | 122 |
| Net loans and leases to total assets | 35.7100% | 4,185 |
| Net loans and leases to deposits | 39.7886% | 4,220 |
| Net loans and leases to core deposits | 41.0250% | 4,238 |
| Total domestic deposits to total assets | 89.7500% | 994 |
| Equity capital to assets | 9.0506% | 2,483 |
| Core capital (leverage) ratio | 9.5498% | 3,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $123,328,667 | 3,643 |
| Average earning assets | $112,324,333 | 3,650 |
| Average equity | $11,204,667 | 3,612 |
| Average total loans | $43,880,667 | 3,958 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3274% | 801 |
| Cost of funding earning assets | 0.8724% | 2,467 |
| Net interest margin | 4.4550% | 622 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.0205% | 3,584 |
| Loan and lease loss provision to assets | 0.3600% | 227 |
| Net operating income to assets | 1.6943% | 829 |
| Return on assets (ROA) | 1.6943% | 826 |
| Pretax return on assets | 2.1104% | 644 |
| Return on Equity (ROE) | 18.6100% | 945 |
| Retained earnings to average equity (ytd only) | 18.6106% | 469 |
| Net charge-offs to loans | -0.1609% | 4,570 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 44.9963% | 4,270 |
| Assets per employee ($millions) | 7.3454% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 1,245 |
| Loan loss allowance to noncurrent loans | 38.9166% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.2861% | 277 |
| Noncurrent loans to loans | 3.8613% | 95 |
| Net loans and leases to total assets | 32.8100% | 4,299 |
| Net loans and leases to deposits | 36.4611% | 4,316 |
| Net loans and leases to core deposits | 37.0531% | 4,341 |
| Total domestic deposits to total assets | 89.9800% | 1,162 |
| Equity capital to assets | 8.9805% | 2,538 |
| Core capital (leverage) ratio | 9.2969% | 3,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $120,168,500 | 3,721 |
| Average earning assets | $111,875,000 | 3,697 |
| Average equity | $10,940,000 | 3,681 |
| Average total loans | $42,271,000 | 4,031 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3077% | 3,574 |
| Cost of funding earning assets | 0.2962% | 2,911 |
| Net interest margin | 3.0115% | 3,421 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 1.9686% | 3,669 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.8886% | 3,011 |
| Return on assets (ROA) | 0.8886% | 2,952 |
| Pretax return on assets | 1.0981% | 2,778 |
| Return on Equity (ROE) | 9.1200% | 3,096 |
| Retained earnings to average equity (ytd only) | 7.1188% | 2,192 |
| Net charge-offs to loans | 0.2501% | 319 |
| Credit loss provision to net charge-offs | 154.9451% | 1,279 |
| Earnings coverage of net charge-offs (x) | 14.2198% | 2,040 |
| Efficiency ratio | 61.4996% | 2,840 |
| Assets per employee ($millions) | 6.4148% | 2,407 |
| Cash dividends to net income (ytd only)* | 21.9721% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1641% | 2,555 |
| Loan loss allowance to noncurrent loans | 30.0481% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.4411% | 232 |
| Noncurrent loans to loans | 3.8743% | 95 |
| Net loans and leases to total assets | 36.7600% | 4,184 |
| Net loans and leases to deposits | 40.9058% | 4,217 |
| Net loans and leases to core deposits | 42.2056% | 4,223 |
| Total domestic deposits to total assets | 89.8700% | 1,424 |
| Equity capital to assets | 9.2374% | 2,202 |
| Core capital (leverage) ratio | 9.1665% | 3,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $104,999,200 | 3,885 |
| Average earning assets | $96,563,800 | 3,870 |
| Average equity | $10,226,400 | 3,840 |
| Average total loans | $36,383,600 | 4,129 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6724% | 4,311 |
| Cost of funding earning assets | 0.2103% | 3,143 |
| Net interest margin | 2.4622% | 4,249 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 1.8987% | 3,753 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.5665% | 3,922 |
| Return on assets (ROA) | 0.5665% | 3,877 |
| Pretax return on assets | 0.6889% | 3,823 |
| Return on Equity (ROE) | 5.7300% | 3,844 |
| Retained earnings to average equity (ytd only) | 5.7331% | 2,843 |
| Net charge-offs to loans | 0.2341% | 293 |
| Credit loss provision to net charge-offs | 100.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 9.6721% | 2,016 |
| Efficiency ratio | 71.1914% | 1,619 |
| Assets per employee ($millions) | 7.6237% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 2,830 |
| Loan loss allowance to noncurrent loans | 35.9712% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.0940% | 401 |
| Noncurrent loans to loans | 3.1750% | 143 |
| Net loans and leases to total assets | 34.0600% | 4,302 |
| Net loans and leases to deposits | 37.8257% | 4,312 |
| Net loans and leases to core deposits | 38.6722% | 4,325 |
| Total domestic deposits to total assets | 90.0500% | 1,635 |
| Equity capital to assets | 9.0464% | 2,181 |
| Core capital (leverage) ratio | 9.5830% | 2,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $102,382,500 | 3,932 |
| Average earning assets | $93,844,750 | 3,925 |
| Average equity | $10,116,500 | 3,906 |
| Average total loans | $34,742,000 | 4,181 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1965% | 4,568 |
| Cost of funding earning assets | 0.1519% | 3,547 |
| Net interest margin | 2.0445% | 4,538 |
| Noninterest income to average assets | 0.4167% | 2,652 |
| Noninterest expense to average assets | 1.8660% | 3,792 |
| Loan and lease loss provision to assets | -0.0203% | 4,431 |
| Net operating income to assets | 0.3659% | 4,177 |
| Return on assets (ROA) | 0.3659% | 4,134 |
| Pretax return on assets | 0.4309% | 4,110 |
| Return on Equity (ROE) | 3.5855% | 4,119 |
| Retained earnings to average equity (ytd only) | 3.5855% | 3,239 |
| Net charge-offs to loans | 0.1446% | 446 |
| Credit loss provision to net charge-offs | -41.6667% | 3,025 |
| Earnings coverage of net charge-offs (x) | 8.4167% | 1,821 |
| Efficiency ratio | 81.9643% | 802 |
| Assets per employee ($millions) | 7.7948% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 2,364 |
| Loan loss allowance to noncurrent loans | 62.2754% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 0.6592% | 834 |
| Noncurrent loans to loans | 2.0292% | 321 |
| Net loans and leases to total assets | 32.0758% | 4,401 |
| Net loans and leases to deposits | 36.0372% | 4,388 |
| Net loans and leases to core deposits | 36.9017% | 4,407 |
| Total domestic deposits to total assets | 89.0074% | 2,182 |
| Equity capital to assets | 9.9741% | 1,730 |
| Core capital (leverage) ratio | 10.1311% | 2,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,391,667 | 4,007 |
| Average earning assets | $89,507,000 | 4,015 |
| Average equity | $10,040,333 | 3,983 |
| Average total loans | $33,189,000 | 4,260 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0510% | 4,604 |
| Cost of funding earning assets | 0.1475% | 3,532 |
| Net interest margin | 1.9035% | 4,574 |
| Noninterest income to average assets | 0.3591% | 2,940 |
| Noninterest expense to average assets | 1.9108% | 3,657 |
| Loan and lease loss provision to assets | -0.0413% | 4,500 |
| Net operating income to assets | 0.1733% | 4,367 |
| Return on assets (ROA) | 0.1733% | 4,336 |
| Pretax return on assets | 0.1940% | 4,333 |
| Return on Equity (ROE) | 1.6788% | 4,318 |
| Retained earnings to average equity (ytd only) | 1.6788% | 3,640 |
| Net charge-offs to loans | 0.3001% | 213 |
| Credit loss provision to net charge-offs | -40.0000% | 2,806 |
| Earnings coverage of net charge-offs (x) | 1.4800% | 1,737 |
| Efficiency ratio | 92.6000% | 438 |
| Assets per employee ($millions) | 7.7322% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 1,947 |
| Loan loss allowance to noncurrent loans | 230.5556% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.1791% | 2,547 |
| Noncurrent loans to loans | 0.6024% | 1,556 |
| Net loans and leases to total assets | 29.3129% | 4,467 |
| Net loans and leases to deposits | 32.8924% | 4,468 |
| Net loans and leases to core deposits | 33.5906% | 4,489 |
| Total domestic deposits to total assets | 89.1175% | 2,024 |
| Equity capital to assets | 9.9305% | 1,949 |
| Core capital (leverage) ratio | 10.1728% | 2,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,921,500 | 4,031 |
| Average earning assets | $86,786,500 | 4,055 |
| Average equity | $10,007,000 | 4,053 |
| Average total loans | $33,324,000 | 4,273 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9359% | 3,988 |
| Cost of funding earning assets | 0.1838% | 3,610 |
| Net interest margin | 2.7521% | 3,775 |
| Noninterest income to average assets | 0.4683% | 2,737 |
| Noninterest expense to average assets | 2.0509% | 3,529 |
| Loan and lease loss provision to assets | 0.0364% | 2,314 |
| Net operating income to assets | 0.6925% | 3,647 |
| Return on assets (ROA) | 0.6925% | 3,704 |
| Pretax return on assets | 0.8449% | 3,637 |
| Return on Equity (ROE) | 6.3573% | 3,686 |
| Retained earnings to average equity (ytd only) | 4.3193% | 3,081 |
| Net charge-offs to loans | 0.0544% | 1,249 |
| Credit loss provision to net charge-offs | 173.6842% | 1,395 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 1,407 |
| Efficiency ratio | 69.9435% | 1,739 |
| Assets per employee ($millions) | 7.1788% | 1,802 |
| Cash dividends to net income (ytd only)* | 32.0574% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 2,769 |
| Loan loss allowance to noncurrent loans | 202.7027% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 2,367 |
| Noncurrent loans to loans | 0.6038% | 1,629 |
| Net loans and leases to total assets | 38.9160% | 4,150 |
| Net loans and leases to deposits | 44.0785% | 4,176 |
| Net loans and leases to core deposits | 45.2690% | 4,217 |
| Total domestic deposits to total assets | 88.2881% | 1,880 |
| Equity capital to assets | 10.7496% | 1,975 |
| Core capital (leverage) ratio | 10.9978% | 1,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,547,800 | 4,094 |
| Average earning assets | $81,064,200 | 4,114 |
| Average equity | $9,862,600 | 4,144 |
| Average total loans | $34,952,400 | 4,286 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9792% | 4,044 |
| Cost of funding earning assets | 0.1967% | 3,634 |
| Net interest margin | 2.7824% | 3,818 |
| Noninterest income to average assets | 0.4066% | 3,052 |
| Noninterest expense to average assets | 2.0551% | 3,504 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6974% | 3,772 |
| Return on assets (ROA) | 0.6974% | 3,839 |
| Pretax return on assets | 0.8488% | 3,803 |
| Return on Equity (ROE) | 6.3812% | 3,826 |
| Retained earnings to average equity (ytd only) | 6.3812% | 2,662 |
| Net charge-offs to loans | 0.0077% | 2,029 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 286.0000% | 451 |
| Efficiency ratio | 70.7716% | 1,517 |
| Assets per employee ($millions) | 7.4383% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0527% | 3,651 |
| Loan loss allowance to noncurrent loans | 142.2951% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.3417% | 2,073 |
| Noncurrent loans to loans | 0.7398% | 1,514 |
| Net loans and leases to total assets | 45.7007% | 3,816 |
| Net loans and leases to deposits | 52.1810% | 3,869 |
| Net loans and leases to core deposits | 53.8857% | 3,928 |
| Total domestic deposits to total assets | 87.5811% | 2,072 |
| Equity capital to assets | 11.3109% | 1,802 |
| Core capital (leverage) ratio | 11.2457% | 1,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,853,750 | 4,151 |
| Average earning assets | $80,647,000 | 4,172 |
| Average equity | $9,820,250 | 4,206 |
| Average total loans | $34,498,500 | 4,349 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6579% | 4,499 |
| Cost of funding earning assets | 0.2107% | 3,646 |
| Net interest margin | 2.4472% | 4,374 |
| Noninterest income to average assets | 0.3909% | 3,149 |
| Noninterest expense to average assets | 2.0055% | 3,681 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4842% | 4,249 |
| Return on assets (ROA) | 0.4842% | 4,287 |
| Pretax return on assets | 0.5774% | 4,276 |
| Return on Equity (ROE) | 4.4818% | 4,236 |
| Retained earnings to average equity (ytd only) | 4.4818% | 3,368 |
| Net charge-offs to loans | 0.0186% | 1,573 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 86.6667% | 810 |
| Efficiency ratio | 77.6440% | 939 |
| Assets per employee ($millions) | 7.4923% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 2,757 |
| Loan loss allowance to noncurrent loans | 205.2133% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2347% | 2,754 |
| Noncurrent loans to loans | 0.6011% | 1,903 |
| Net loans and leases to total assets | 38.5594% | 4,361 |
| Net loans and leases to deposits | 43.9419% | 4,382 |
| Net loans and leases to core deposits | 45.1989% | 4,421 |
| Total domestic deposits to total assets | 87.7508% | 1,959 |
| Equity capital to assets | 10.9501% | 2,019 |
| Core capital (leverage) ratio | 10.5853% | 1,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,052,000 | 4,173 |
| Average earning assets | $80,665,000 | 4,198 |
| Average equity | $9,728,333 | 4,235 |
| Average total loans | $32,256,000 | 4,427 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2642% | 4,770 |
| Cost of funding earning assets | 0.2433% | 3,534 |
| Net interest margin | 2.0209% | 4,720 |
| Noninterest income to average assets | 0.3906% | 3,141 |
| Noninterest expense to average assets | 1.9751% | 3,794 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1997% | 4,637 |
| Return on assets (ROA) | 0.1997% | 4,662 |
| Pretax return on assets | 0.2219% | 4,665 |
| Return on Equity (ROE) | 1.8614% | 4,623 |
| Retained earnings to average equity (ytd only) | 1.8614% | 4,043 |
| Net charge-offs to loans | 0.0389% | 1,084 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 16.6667% | 1,313 |
| Efficiency ratio | 89.8990% | 372 |
| Assets per employee ($millions) | 9.2636% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5296% | 1,506 |
| Loan loss allowance to noncurrent loans | 227.8947% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.2051% | 3,129 |
| Noncurrent loans to loans | 0.6712% | 1,902 |
| Net loans and leases to total assets | 30.0909% | 4,691 |
| Net loans and leases to deposits | 34.0014% | 4,727 |
| Net loans and leases to core deposits | 34.9355% | 4,741 |
| Total domestic deposits to total assets | 88.4991% | 1,608 |
| Equity capital to assets | 10.4549% | 2,312 |
| Core capital (leverage) ratio | 10.6970% | 1,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,124,000 | 4,185 |
| Average earning assets | $80,560,000 | 4,208 |
| Average equity | $9,670,000 | 4,249 |
| Average total loans | $30,833,500 | 4,475 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4622% | 4,092 |
| Cost of funding earning assets | 0.4960% | 2,974 |
| Net interest margin | 2.9662% | 3,969 |
| Noninterest income to average assets | 0.4980% | 2,644 |
| Noninterest expense to average assets | 2.2405% | 3,564 |
| Loan and lease loss provision to assets | 0.1634% | 2,332 |
| Net operating income to assets | 0.6126% | 3,706 |
| Return on assets (ROA) | 0.6126% | 3,829 |
| Pretax return on assets | 0.7413% | 3,785 |
| Return on Equity (ROE) | 4.9672% | 3,918 |
| Retained earnings to average equity (ytd only) | 2.8802% | 3,429 |
| Net charge-offs to loans | 0.3896% | 444 |
| Credit loss provision to net charge-offs | 98.4496% | 2,859 |
| Earnings coverage of net charge-offs (x) | 5.4496% | 2,864 |
| Efficiency ratio | 71.2357% | 1,779 |
| Assets per employee ($millions) | 7.3010% | 1,398 |
| Cash dividends to net income (ytd only)* | 42.0168% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 2,375 |
| Loan loss allowance to noncurrent loans | 165.1515% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.3013% | 2,793 |
| Noncurrent loans to loans | 0.7914% | 1,756 |
| Net loans and leases to total assets | 37.5782% | 4,544 |
| Net loans and leases to deposits | 42.7683% | 4,566 |
| Net loans and leases to core deposits | 46.5034% | 4,535 |
| Total domestic deposits to total assets | 87.8647% | 1,549 |
| Equity capital to assets | 11.0202% | 2,236 |
| Core capital (leverage) ratio | 11.2167% | 1,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,704,800 | 4,275 |
| Average earning assets | $69,349,000 | 4,302 |
| Average equity | $9,582,800 | 4,238 |
| Average total loans | $33,114,200 | 4,456 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5782% | 4,070 |
| Cost of funding earning assets | 0.5619% | 2,857 |
| Net interest margin | 3.0164% | 3,935 |
| Noninterest income to average assets | 0.4963% | 2,626 |
| Noninterest expense to average assets | 2.3679% | 3,227 |
| Loan and lease loss provision to assets | 0.0479% | 3,766 |
| Net operating income to assets | 0.6575% | 3,601 |
| Return on assets (ROA) | 0.6575% | 3,702 |
| Pretax return on assets | 0.7922% | 3,666 |
| Return on Equity (ROE) | 5.1716% | 3,840 |
| Retained earnings to average equity (ytd only) | 5.1716% | 2,485 |
| Net charge-offs to loans | 0.0605% | 1,738 |
| Credit loss provision to net charge-offs | 180.0000% | 2,182 |
| Earnings coverage of net charge-offs (x) | 31.6000% | 1,537 |
| Efficiency ratio | 73.8122% | 1,424 |
| Assets per employee ($millions) | 7.4964% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1577% | 2,897 |
| Loan loss allowance to noncurrent loans | 177.8656% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.3068% | 2,932 |
| Noncurrent loans to loans | 0.6509% | 2,163 |
| Net loans and leases to total assets | 46.5935% | 4,284 |
| Net loans and leases to deposits | 53.6127% | 4,354 |
| Net loans and leases to core deposits | 58.1775% | 4,296 |
| Total domestic deposits to total assets | 86.9076% | 1,711 |
| Equity capital to assets | 11.8385% | 1,773 |
| Core capital (leverage) ratio | 12.3425% | 1,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,228,000 | 4,313 |
| Average earning assets | $67,629,250 | 4,339 |
| Average equity | $9,564,750 | 4,257 |
| Average total loans | $33,053,000 | 4,486 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5802% | 4,294 |
| Cost of funding earning assets | 0.6414% | 2,749 |
| Net interest margin | 2.9389% | 4,244 |
| Noninterest income to average assets | 0.5026% | 2,550 |
| Noninterest expense to average assets | 2.4280% | 3,182 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6235% | 3,661 |
| Return on assets (ROA) | 0.6235% | 3,739 |
| Pretax return on assets | 0.7553% | 3,725 |
| Return on Equity (ROE) | 4.7795% | 3,892 |
| Retained earnings to average equity (ytd only) | 4.7795% | 2,573 |
| Net charge-offs to loans | 0.0321% | 2,087 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 55.0000% | 1,029 |
| Efficiency ratio | 76.2726% | 1,237 |
| Assets per employee ($millions) | 5.7295% | 2,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 2,231 |
| Loan loss allowance to noncurrent loans | 202.3364% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.2873% | 3,177 |
| Noncurrent loans to loans | 0.6204% | 2,306 |
| Net loans and leases to total assets | 45.7293% | 4,378 |
| Net loans and leases to deposits | 53.5719% | 4,394 |
| Net loans and leases to core deposits | 59.0026% | 4,304 |
| Total domestic deposits to total assets | 85.3606% | 2,252 |
| Equity capital to assets | 12.9236% | 1,201 |
| Core capital (leverage) ratio | 12.6552% | 1,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,817,333 | 4,357 |
| Average earning assets | $66,420,000 | 4,368 |
| Average equity | $9,499,000 | 4,281 |
| Average total loans | $31,113,667 | 4,541 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8720% | 4,092 |
| Cost of funding earning assets | 0.7732% | 2,527 |
| Net interest margin | 3.0988% | 4,095 |
| Noninterest income to average assets | 0.5279% | 2,396 |
| Noninterest expense to average assets | 2.4172% | 3,502 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7502% | 3,091 |
| Return on assets (ROA) | 0.7502% | 3,170 |
| Pretax return on assets | 0.9169% | 3,090 |
| Return on Equity (ROE) | 5.7231% | 3,417 |
| Retained earnings to average equity (ytd only) | 5.7231% | 1,987 |
| Net charge-offs to loans | -0.0544% | 4,660 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5000% | 2,003 |
| Assets per employee ($millions) | 5.2560% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6462% | 961 |
| Loan loss allowance to noncurrent loans | 219.9005% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.2732% | 3,362 |
| Noncurrent loans to loans | 0.7486% | 2,133 |
| Net loans and leases to total assets | 35.8869% | 4,780 |
| Net loans and leases to deposits | 41.9398% | 4,801 |
| Net loans and leases to core deposits | 46.2372% | 4,769 |
| Total domestic deposits to total assets | 85.5675% | 2,183 |
| Equity capital to assets | 12.9335% | 1,460 |
| Core capital (leverage) ratio | 13.0875% | 1,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,984,000 | 4,374 |
| Average earning assets | $65,186,000 | 4,395 |
| Average equity | $9,435,500 | 4,304 |
| Average total loans | $29,423,500 | 4,609 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0354% | 1,384 |
| Cost of funding earning assets | 0.8803% | 2,285 |
| Net interest margin | 4.1550% | 1,413 |
| Noninterest income to average assets | 0.5847% | 2,300 |
| Noninterest expense to average assets | 2.8298% | 2,506 |
| Loan and lease loss provision to assets | 0.0624% | 2,789 |
| Net operating income to assets | 1.1927% | 2,088 |
| Return on assets (ROA) | 1.1927% | 2,182 |
| Pretax return on assets | 1.4749% | 1,886 |
| Return on Equity (ROE) | 8.3817% | 3,001 |
| Retained earnings to average equity (ytd only) | 6.1356% | 1,804 |
| Net charge-offs to loans | 0.0126% | 3,236 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 246.5000% | 336 |
| Efficiency ratio | 64.7983% | 2,971 |
| Assets per employee ($millions) | 5.0274% | 2,558 |
| Cash dividends to net income (ytd only)* | 26.7974% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 1,632 |
| Loan loss allowance to noncurrent loans | 173.1225% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.3595% | 2,964 |
| Noncurrent loans to loans | 0.7907% | 1,926 |
| Net loans and leases to total assets | 44.8397% | 4,564 |
| Net loans and leases to deposits | 52.6474% | 4,586 |
| Net loans and leases to core deposits | 55.9972% | 4,583 |
| Total domestic deposits to total assets | 85.1699% | 2,431 |
| Equity capital to assets | 13.2900% | 1,375 |
| Core capital (leverage) ratio | 13.6447% | 1,013 |
| Tier 1 risk-based capital ratio | 25.2325% | 734 |
| Total risk-based capital ratio | 26.4569% | 722 |
| Memoranda: | ||
| Average total assets | $64,138,400 | 4,528 |
| Average earning assets | $58,387,200 | 4,551 |
| Average equity | $9,127,000 | 4,359 |
| Average total loans | $31,763,600 | 4,607 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1296% | 1,215 |
| Cost of funding earning assets | 0.8834% | 2,304 |
| Net interest margin | 4.2462% | 1,268 |
| Noninterest income to average assets | 0.5859% | 2,279 |
| Noninterest expense to average assets | 2.8167% | 2,522 |
| Loan and lease loss provision to assets | 0.0320% | 3,267 |
| Net operating income to assets | 1.2954% | 1,876 |
| Return on assets (ROA) | 1.2954% | 1,963 |
| Pretax return on assets | 1.5980% | 1,643 |
| Return on Equity (ROE) | 8.9375% | 2,914 |
| Retained earnings to average equity (ytd only) | 8.9375% | 1,066 |
| Net charge-offs to loans | -0.0757% | 4,936 |
| Credit loss provision to net charge-offs | -83.3333% | 4,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3445% | 3,104 |
| Assets per employee ($millions) | 4.6378% | 2,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 2,402 |
| Loan loss allowance to noncurrent loans | 136.7925% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.4898% | 2,568 |
| Noncurrent loans to loans | 0.8920% | 1,793 |
| Net loans and leases to total assets | 54.2392% | 4,163 |
| Net loans and leases to deposits | 64.6658% | 4,141 |
| Net loans and leases to core deposits | 69.2240% | 4,093 |
| Total domestic deposits to total assets | 83.8762% | 2,867 |
| Equity capital to assets | 14.4804% | 987 |
| Core capital (leverage) ratio | 14.5266% | 847 |
| Tier 1 risk-based capital ratio | 24.1202% | 833 |
| Total risk-based capital ratio | 25.2796% | 824 |
| Memoranda: | ||
| Average total assets | $62,577,000 | 4,610 |
| Average earning assets | $56,896,500 | 4,637 |
| Average equity | $9,070,250 | 4,410 |
| Average total loans | $31,705,000 | 4,668 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9926% | 1,506 |
| Cost of funding earning assets | 0.8576% | 2,364 |
| Net interest margin | 4.1350% | 1,507 |
| Noninterest income to average assets | 0.5664% | 2,305 |
| Noninterest expense to average assets | 2.8256% | 2,501 |
| Loan and lease loss provision to assets | -0.0324% | 5,155 |
| Net operating income to assets | 1.2429% | 1,992 |
| Return on assets (ROA) | 1.2429% | 2,042 |
| Pretax return on assets | 1.5342% | 1,745 |
| Return on Equity (ROE) | 8.5717% | 3,039 |
| Retained earnings to average equity (ytd only) | 8.5717% | 1,177 |
| Net charge-offs to loans | -0.1316% | 5,057 |
| Credit loss provision to net charge-offs | 50.0000% | 2,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2954% | 2,920 |
| Assets per employee ($millions) | 4.5552% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3109% | 1,967 |
| Loan loss allowance to noncurrent loans | 143.0556% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4516% | 2,710 |
| Noncurrent loans to loans | 0.9164% | 1,791 |
| Net loans and leases to total assets | 48.6350% | 4,541 |
| Net loans and leases to deposits | 57.9294% | 4,519 |
| Net loans and leases to core deposits | 61.7492% | 4,511 |
| Total domestic deposits to total assets | 83.9556% | 2,888 |
| Equity capital to assets | 14.3932% | 987 |
| Core capital (leverage) ratio | 14.4671% | 833 |
| Tier 1 risk-based capital ratio | 25.8729% | 696 |
| Total risk-based capital ratio | 27.0791% | 682 |
| Memoranda: | ||
| Average total assets | $61,793,000 | 4,660 |
| Average earning assets | $56,203,000 | 4,683 |
| Average equity | $8,959,670 | 4,443 |
| Average total loans | $30,389,330 | 4,723 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7831% | 1,953 |
| Cost of funding earning assets | 0.8008% | 2,534 |
| Net interest margin | 3.9823% | 1,902 |
| Noninterest income to average assets | 0.5197% | 2,438 |
| Noninterest expense to average assets | 2.8749% | 2,344 |
| Loan and lease loss provision to assets | -0.0658% | 5,269 |
| Net operating income to assets | 1.0657% | 2,597 |
| Return on assets (ROA) | 1.0657% | 2,648 |
| Pretax return on assets | 1.3091% | 2,419 |
| Return on Equity (ROE) | 7.3220% | 3,537 |
| Retained earnings to average equity (ytd only) | 7.3220% | 1,915 |
| Net charge-offs to loans | -0.3482% | 5,236 |
| Credit loss provision to net charge-offs | 38.4615% | 2,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8083% | 2,375 |
| Assets per employee ($millions) | 4.8526% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5144% | 1,288 |
| Loan loss allowance to noncurrent loans | 78.8679% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 0.8401% | 1,687 |
| Noncurrent loans to loans | 1.9202% | 789 |
| Net loans and leases to total assets | 43.0918% | 4,783 |
| Net loans and leases to deposits | 51.0325% | 4,784 |
| Net loans and leases to core deposits | 54.4159% | 4,772 |
| Total domestic deposits to total assets | 84.4398% | 2,872 |
| Equity capital to assets | 14.1668% | 982 |
| Core capital (leverage) ratio | 14.6650% | 773 |
| Tier 1 risk-based capital ratio | 26.1606% | 676 |
| Total risk-based capital ratio | 27.4106% | 660 |
| Memoranda: | ||
| Average total assets | $60,803,000 | 4,733 |
| Average earning assets | $54,943,000 | 4,750 |
| Average equity | $8,850,000 | 4,490 |
| Average total loans | $29,870,000 | 4,791 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6187% | 2,087 |
| Cost of funding earning assets | 0.4501% | 3,678 |
| Net interest margin | 4.1686% | 1,480 |
| Noninterest income to average assets | 0.6500% | 2,047 |
| Noninterest expense to average assets | 2.8890% | 2,397 |
| Loan and lease loss provision to assets | 0.0988% | 2,209 |
| Net operating income to assets | 1.1635% | 2,336 |
| Return on assets (ROA) | 1.1635% | 2,331 |
| Pretax return on assets | 1.4203% | 2,070 |
| Return on Equity (ROE) | 7.5868% | 3,624 |
| Retained earnings to average equity (ytd only) | 5.1866% | 2,669 |
| Net charge-offs to loans | 0.0164% | 3,140 |
| Credit loss provision to net charge-offs | 1,100.0000% | 356 |
| Earnings coverage of net charge-offs (x) | 169.2000% | 512 |
| Efficiency ratio | 65.5397% | 2,944 |
| Assets per employee ($millions) | 4.5017% | 3,168 |
| Cash dividends to net income (ytd only)* | 31.6358% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 2,293 |
| Loan loss allowance to noncurrent loans | 123.3129% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.5571% | 2,384 |
| Noncurrent loans to loans | 1.0144% | 1,606 |
| Net loans and leases to total assets | 54.2292% | 4,264 |
| Net loans and leases to deposits | 64.7753% | 4,207 |
| Net loans and leases to core deposits | 66.5576% | 4,319 |
| Total domestic deposits to total assets | 83.7189% | 3,076 |
| Equity capital to assets | 14.9739% | 718 |
| Core capital (leverage) ratio | 15.3710% | 617 |
| Tier 1 risk-based capital ratio | 24.2214% | 809 |
| Total risk-based capital ratio | 25.3441% | 798 |
| Memoranda: | ||
| Average total assets | $55,694,400 | 4,839 |
| Average earning assets | $50,208,400 | 4,850 |
| Average equity | $8,541,200 | 4,523 |
| Average total loans | $30,560,200 | 4,808 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3421% | 2,815 |
| Cost of funding earning assets | 0.3860% | 3,967 |
| Net interest margin | 3.9562% | 2,102 |
| Noninterest income to average assets | 0.5431% | 2,602 |
| Noninterest expense to average assets | 2.8345% | 2,517 |
| Loan and lease loss provision to assets | 0.1334% | 1,513 |
| Net operating income to assets | 0.9869% | 3,142 |
| Return on assets (ROA) | 0.9869% | 3,151 |
| Pretax return on assets | 1.1542% | 3,181 |
| Return on Equity (ROE) | 6.3948% | 4,143 |
| Retained earnings to average equity (ytd only) | 6.3948% | 2,436 |
| Net charge-offs to loans | 0.0309% | 2,473 |
| Credit loss provision to net charge-offs | 785.7143% | 493 |
| Earnings coverage of net charge-offs (x) | 75.8821% | 903 |
| Efficiency ratio | 68.7647% | 2,392 |
| Assets per employee ($millions) | 4.2859% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1899% | 2,681 |
| Loan loss allowance to noncurrent loans | 31.5209% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 2.2776% | 420 |
| Noncurrent loans to loans | 3.7750% | 238 |
| Net loans and leases to total assets | 59.6156% | 3,889 |
| Net loans and leases to deposits | 71.8837% | 3,781 |
| Net loans and leases to core deposits | 73.9843% | 3,950 |
| Total domestic deposits to total assets | 82.9334% | 3,330 |
| Equity capital to assets | 15.6415% | 593 |
| Core capital (leverage) ratio | 15.8361% | 545 |
| Tier 1 risk-based capital ratio | 24.0671% | 835 |
| Total risk-based capital ratio | 25.1825% | 837 |
| Memoranda: | ||
| Average total assets | $54,987,500 | 4,910 |
| Average earning assets | $49,744,000 | 4,913 |
| Average equity | $8,485,750 | 4,574 |
| Average total loans | $30,165,750 | 4,869 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9727% | 3,867 |
| Cost of funding earning assets | 0.3428% | 4,121 |
| Net interest margin | 3.6299% | 3,200 |
| Noninterest income to average assets | 0.5626% | 2,507 |
| Noninterest expense to average assets | 2.7912% | 2,682 |
| Loan and lease loss provision to assets | 0.1133% | 1,749 |
| Net operating income to assets | 0.7745% | 3,939 |
| Return on assets (ROA) | 0.7745% | 3,945 |
| Pretax return on assets | 0.9462% | 3,820 |
| Return on Equity (ROE) | 5.0420% | 4,538 |
| Retained earnings to average equity (ytd only) | 5.0420% | 3,055 |
| Net charge-offs to loans | 0.0551% | 1,816 |
| Credit loss provision to net charge-offs | 387.5000% | 845 |
| Earnings coverage of net charge-offs (x) | 36.2500% | 1,366 |
| Efficiency ratio | 72.4858% | 1,920 |
| Assets per employee ($millions) | 4.1962% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 2,473 |
| Loan loss allowance to noncurrent loans | 19.7368% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 3.4830% | 180 |
| Noncurrent loans to loans | 6.2964% | 82 |
| Net loans and leases to total assets | 54.6306% | 4,281 |
| Net loans and leases to deposits | 65.9664% | 4,167 |
| Net loans and leases to core deposits | 66.4208% | 4,349 |
| Total domestic deposits to total assets | 82.8158% | 3,464 |
| Equity capital to assets | 15.6242% | 570 |
| Core capital (leverage) ratio | 15.4902% | 569 |
| Tier 1 risk-based capital ratio | 25.6553% | 693 |
| Total risk-based capital ratio | 26.7962% | 683 |
| Memoranda: | ||
| Average total assets | $54,744,330 | 4,969 |
| Average earning assets | $49,588,670 | 4,974 |
| Average equity | $8,409,330 | 4,630 |
| Average total loans | $29,015,670 | 4,947 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5269% | 4,828 |
| Cost of funding earning assets | 0.3067% | 4,304 |
| Net interest margin | 3.2202% | 4,402 |
| Noninterest income to average assets | 0.5251% | 2,658 |
| Noninterest expense to average assets | 2.7424% | 2,900 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6929% | 4,123 |
| Return on assets (ROA) | 0.6929% | 4,133 |
| Pretax return on assets | 0.6929% | 4,459 |
| Return on Equity (ROE) | 4.5495% | 4,620 |
| Retained earnings to average equity (ytd only) | 4.5495% | 3,385 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8301% | 1,161 |
| Assets per employee ($millions) | 4.6442% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 1,840 |
| Loan loss allowance to noncurrent loans | 19.4260% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 3.2514% | 228 |
| Noncurrent loans to loans | 7.2168% | 64 |
| Net loans and leases to total assets | 44.4213% | 4,877 |
| Net loans and leases to deposits | 53.1781% | 4,835 |
| Net loans and leases to core deposits | 53.5334% | 4,929 |
| Total domestic deposits to total assets | 83.5331% | 3,488 |
| Equity capital to assets | 15.0709% | 653 |
| Core capital (leverage) ratio | 15.4163% | 568 |
| Tier 1 risk-based capital ratio | 28.7621% | 524 |
| Total risk-based capital ratio | 29.9805% | 525 |
| Memoranda: | ||
| Average total assets | $54,841,500 | 5,025 |
| Average earning assets | $49,561,500 | 5,035 |
| Average equity | $8,352,500 | 4,689 |
| Average total loans | $28,435,500 | 5,007 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3804% | 2,081 |
| Cost of funding earning assets | 0.2147% | 4,829 |
| Net interest margin | 4.1656% | 1,264 |
| Noninterest income to average assets | 0.6069% | 2,415 |
| Noninterest expense to average assets | 2.8419% | 2,641 |
| Loan and lease loss provision to assets | 0.3493% | 452 |
| Net operating income to assets | 0.8627% | 2,905 |
| Return on assets (ROA) | 0.8627% | 2,926 |
| Pretax return on assets | 1.1929% | 2,800 |
| Return on Equity (ROE) | 5.4954% | 3,968 |
| Retained earnings to average equity (ytd only) | 3.0030% | 3,501 |
| Net charge-offs to loans | 0.7653% | 270 |
| Credit loss provision to net charge-offs | 79.9127% | 2,943 |
| Earnings coverage of net charge-offs (x) | 3.5284% | 3,595 |
| Efficiency ratio | 64.8237% | 3,478 |
| Assets per employee ($millions) | 4.9048% | 2,592 |
| Cash dividends to net income (ytd only)* | 45.3540% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 3,305 |
| Loan loss allowance to noncurrent loans | 39.9546% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 1.6329% | 806 |
| Noncurrent loans to loans | 2.7737% | 433 |
| Net loans and leases to total assets | 58.2192% | 3,987 |
| Net loans and leases to deposits | 69.8970% | 3,886 |
| Net loans and leases to core deposits | 70.3809% | 4,150 |
| Total domestic deposits to total assets | 83.2929% | 3,469 |
| Equity capital to assets | 15.3949% | 604 |
| Core capital (leverage) ratio | 15.7980% | 495 |
| Tier 1 risk-based capital ratio | 24.3754% | 785 |
| Total risk-based capital ratio | 25.4198% | 787 |
| Memoranda: | ||
| Average total assets | $52,394,800 | 5,115 |
| Average earning assets | $47,507,600 | 5,116 |
| Average equity | $8,225,000 | 4,751 |
| Average total loans | $29,923,400 | 5,029 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1569% | 2,771 |
| Cost of funding earning assets | 0.1965% | 5,004 |
| Net interest margin | 3.9604% | 1,834 |
| Noninterest income to average assets | 0.6025% | 2,473 |
| Noninterest expense to average assets | 2.8612% | 2,528 |
| Loan and lease loss provision to assets | 0.4692% | 264 |
| Net operating income to assets | 0.7281% | 3,829 |
| Return on assets (ROA) | 0.7281% | 3,898 |
| Pretax return on assets | 0.8896% | 4,076 |
| Return on Equity (ROE) | 4.6151% | 4,666 |
| Retained earnings to average equity (ytd only) | 4.6151% | 3,130 |
| Net charge-offs to loans | 1.0453% | 168 |
| Credit loss provision to net charge-offs | 79.2208% | 2,598 |
| Earnings coverage of net charge-offs (x) | 2.2944% | 3,484 |
| Efficiency ratio | 67.8007% | 2,912 |
| Assets per employee ($millions) | 4.7104% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 3,839 |
| Loan loss allowance to noncurrent loans | 49.7866% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 1.3568% | 1,163 |
| Noncurrent loans to loans | 2.0895% | 799 |
| Net loans and leases to total assets | 64.2587% | 3,354 |
| Net loans and leases to deposits | 77.8867% | 3,177 |
| Net loans and leases to core deposits | 79.2040% | 3,518 |
| Total domestic deposits to total assets | 82.5028% | 3,627 |
| Equity capital to assets | 16.1559% | 511 |
| Core capital (leverage) ratio | 16.2100% | 463 |
| Tier 1 risk-based capital ratio | 24.1211% | 837 |
| Total risk-based capital ratio | 25.1441% | 841 |
| Memoranda: | ||
| Average total assets | $52,005,250 | 5,179 |
| Average earning assets | $47,502,250 | 5,170 |
| Average equity | $8,204,750 | 4,801 |
| Average total loans | $29,463,500 | 5,091 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8067% | 3,864 |
| Cost of funding earning assets | 0.1935% | 5,041 |
| Net interest margin | 3.6132% | 2,984 |
| Noninterest income to average assets | 0.5992% | 2,462 |
| Noninterest expense to average assets | 2.7425% | 2,950 |
| Loan and lease loss provision to assets | 0.6376% | 174 |
| Net operating income to assets | 0.4302% | 4,896 |
| Return on assets (ROA) | 0.4302% | 4,924 |
| Pretax return on assets | 0.5185% | 4,978 |
| Return on Equity (ROE) | 2.7487% | 5,185 |
| Retained earnings to average equity (ytd only) | 2.7487% | 4,064 |
| Net charge-offs to loans | 1.5319% | 120 |
| Credit loss provision to net charge-offs | 77.2093% | 2,294 |
| Earnings coverage of net charge-offs (x) | 1.4000% | 3,286 |
| Efficiency ratio | 70.3448% | 2,614 |
| Assets per employee ($millions) | 4.6788% | 2,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 2,714 |
| Loan loss allowance to noncurrent loans | 34.1797% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 1.9896% | 645 |
| Noncurrent loans to loans | 3.6459% | 295 |
| Net loans and leases to total assets | 53.8908% | 4,396 |
| Net loans and leases to deposits | 65.2105% | 4,284 |
| Net loans and leases to core deposits | 66.3144% | 4,448 |
| Total domestic deposits to total assets | 82.6413% | 3,675 |
| Equity capital to assets | 15.9228% | 540 |
| Core capital (leverage) ratio | 15.6139% | 528 |
| Tier 1 risk-based capital ratio | 26.0984% | 666 |
| Total risk-based capital ratio | 27.2287% | 661 |
| Memoranda: | ||
| Average total assets | $52,069,000 | 5,212 |
| Average earning assets | $47,547,330 | 5,204 |
| Average equity | $8,149,330 | 4,835 |
| Average total loans | $28,069,670 | 5,164 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6275% | 4,343 |
| Cost of funding earning assets | 0.1755% | 5,191 |
| Net interest margin | 3.4520% | 3,443 |
| Noninterest income to average assets | 0.5499% | 2,664 |
| Noninterest expense to average assets | 2.7038% | 3,126 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8478% | 2,999 |
| Return on assets (ROA) | 0.8478% | 3,042 |
| Pretax return on assets | 1.0006% | 3,368 |
| Return on Equity (ROE) | 5.4636% | 4,167 |
| Retained earnings to average equity (ytd only) | 5.4636% | 2,623 |
| Net charge-offs to loans | -0.0143% | 4,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9897% | 2,407 |
| Assets per employee ($millions) | 4.8835% | 2,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6369% | 1,294 |
| Loan loss allowance to noncurrent loans | 39.0244% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 1.9081% | 716 |
| Noncurrent loans to loans | 4.1945% | 240 |
| Net loans and leases to total assets | 44.7458% | 4,999 |
| Net loans and leases to deposits | 53.6516% | 4,956 |
| Net loans and leases to core deposits | 54.5131% | 5,039 |
| Total domestic deposits to total assets | 83.4007% | 3,704 |
| Equity capital to assets | 15.2479% | 607 |
| Core capital (leverage) ratio | 15.4677% | 531 |
| Tier 1 risk-based capital ratio | 27.8491% | 571 |
| Total risk-based capital ratio | 29.1064% | 557 |
| Memoranda: | ||
| Average total assets | $52,370,000 | 5,260 |
| Average earning assets | $47,857,000 | 5,252 |
| Average equity | $8,126,500 | 4,879 |
| Average total loans | $28,061,500 | 5,219 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2539% | 2,300 |
| Cost of funding earning assets | 0.1725% | 5,267 |
| Net interest margin | 4.0814% | 1,425 |
| Noninterest income to average assets | 0.5976% | 2,677 |
| Noninterest expense to average assets | 2.7617% | 3,154 |
| Loan and lease loss provision to assets | 0.3144% | 595 |
| Net operating income to assets | 0.8691% | 2,984 |
| Return on assets (ROA) | 0.8691% | 3,095 |
| Pretax return on assets | 1.1718% | 2,796 |
| Return on Equity (ROE) | 5.6157% | 4,155 |
| Retained earnings to average equity (ytd only) | 4.2907% | 2,851 |
| Net charge-offs to loans | 0.5939% | 387 |
| Credit loss provision to net charge-offs | 88.4615% | 2,830 |
| Earnings coverage of net charge-offs (x) | 4.1813% | 3,539 |
| Efficiency ratio | 65.0115% | 3,759 |
| Assets per employee ($millions) | 4.6383% | 2,901 |
| Cash dividends to net income (ytd only)* | 23.5955% | 3,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 2,783 |
| Loan loss allowance to noncurrent loans | 38.4541% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 2.0286% | 671 |
| Noncurrent loans to loans | 3.2664% | 380 |
| Net loans and leases to total assets | 61.3238% | 3,683 |
| Net loans and leases to deposits | 73.9809% | 3,517 |
| Net loans and leases to core deposits | 73.9809% | 3,924 |
| Total domestic deposits to total assets | 82.8914% | 3,798 |
| Equity capital to assets | 15.8013% | 519 |
| Core capital (leverage) ratio | 15.8498% | 480 |
| Tier 1 risk-based capital ratio | 24.4348% | 822 |
| Total risk-based capital ratio | 25.6528% | 804 |
| Memoranda: | ||
| Average total assets | $51,201,200 | 5,322 |
| Average earning assets | $45,793,400 | 5,337 |
| Average equity | $7,924,200 | 4,945 |
| Average total loans | $30,644,200 | 5,170 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2487% | 2,343 |
| Cost of funding earning assets | 0.1719% | 5,333 |
| Net interest margin | 4.0768% | 1,456 |
| Noninterest income to average assets | 0.5672% | 2,834 |
| Noninterest expense to average assets | 2.7709% | 3,109 |
| Loan and lease loss provision to assets | 0.4189% | 338 |
| Net operating income to assets | 0.8664% | 3,069 |
| Return on assets (ROA) | 0.8664% | 3,192 |
| Pretax return on assets | 1.0173% | 3,569 |
| Return on Equity (ROE) | 5.6274% | 4,258 |
| Retained earnings to average equity (ytd only) | 5.6274% | 2,413 |
| Net charge-offs to loans | 0.4476% | 474 |
| Credit loss provision to net charge-offs | 157.8431% | 1,715 |
| Earnings coverage of net charge-offs (x) | 5.4116% | 3,134 |
| Efficiency ratio | 65.8627% | 3,613 |
| Assets per employee ($millions) | 4.5012% | 3,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 2,151 |
| Loan loss allowance to noncurrent loans | 90.3592% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.0684% | 1,921 |
| Noncurrent loans to loans | 1.5619% | 1,390 |
| Net loans and leases to total assets | 67.4389% | 2,882 |
| Net loans and leases to deposits | 81.8688% | 2,753 |
| Net loans and leases to core deposits | 81.8688% | 3,291 |
| Total domestic deposits to total assets | 82.3743% | 3,816 |
| Equity capital to assets | 16.3351% | 507 |
| Core capital (leverage) ratio | 16.2968% | 434 |
| Tier 1 risk-based capital ratio | 22.9711% | 1,005 |
| Total risk-based capital ratio | 24.2279% | 990 |
| Memoranda: | ||
| Average total assets | $51,246,250 | 5,371 |
| Average earning assets | $45,753,500 | 5,391 |
| Average equity | $7,889,750 | 5,006 |
| Average total loans | $30,383,750 | 5,225 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0552% | 3,041 |
| Cost of funding earning assets | 0.1735% | 5,381 |
| Net interest margin | 3.8817% | 2,039 |
| Noninterest income to average assets | 0.5596% | 2,854 |
| Noninterest expense to average assets | 2.6165% | 3,671 |
| Loan and lease loss provision to assets | 0.6213% | 180 |
| Net operating income to assets | 0.6599% | 3,997 |
| Return on assets (ROA) | 0.6599% | 4,142 |
| Pretax return on assets | 0.7757% | 4,371 |
| Return on Equity (ROE) | 4.3714% | 4,766 |
| Retained earnings to average equity (ytd only) | 4.3714% | 3,134 |
| Net charge-offs to loans | 0.7118% | 293 |
| Credit loss provision to net charge-offs | 154.8077% | 1,552 |
| Earnings coverage of net charge-offs (x) | 3.4808% | 3,102 |
| Efficiency ratio | 65.1923% | 3,811 |
| Assets per employee ($millions) | 4.5712% | 2,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6200% | 1,469 |
| Loan loss allowance to noncurrent loans | 67.4221% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 1.4041% | 1,403 |
| Noncurrent loans to loans | 2.4027% | 749 |
| Net loans and leases to total assets | 57.4886% | 4,172 |
| Net loans and leases to deposits | 69.3463% | 4,048 |
| Net loans and leases to core deposits | 69.3463% | 4,380 |
| Total domestic deposits to total assets | 82.9008% | 3,690 |
| Equity capital to assets | 15.7727% | 579 |
| Core capital (leverage) ratio | 15.5972% | 511 |
| Tier 1 risk-based capital ratio | 22.5031% | 1,078 |
| Total risk-based capital ratio | 23.7544% | 1,061 |
| Memoranda: | ||
| Average total assets | $51,824,000 | 5,420 |
| Average earning assets | $46,114,000 | 5,443 |
| Average equity | $7,823,670 | 5,058 |
| Average total loans | $29,222,000 | 5,323 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1112% | 2,810 |
| Cost of funding earning assets | 0.1709% | 5,459 |
| Net interest margin | 3.9402% | 1,812 |
| Noninterest income to average assets | 0.5704% | 2,676 |
| Noninterest expense to average assets | 2.5858% | 3,792 |
| Loan and lease loss provision to assets | 1.2245% | 74 |
| Net operating income to assets | 0.2662% | 5,390 |
| Return on assets (ROA) | 0.2662% | 5,462 |
| Pretax return on assets | 0.2662% | 5,559 |
| Return on Equity (ROE) | 1.8018% | 5,547 |
| Retained earnings to average equity (ytd only) | 1.8018% | 4,541 |
| Net charge-offs to loans | 1.4412% | 130 |
| Credit loss provision to net charge-offs | 153.3333% | 1,255 |
| Earnings coverage of net charge-offs (x) | 1.8667% | 2,764 |
| Efficiency ratio | 63.4328% | 4,228 |
| Assets per employee ($millions) | 4.6998% | 2,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7305% | 1,284 |
| Loan loss allowance to noncurrent loans | 354.4776% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.2592% | 4,522 |
| Noncurrent loans to loans | 0.4882% | 3,718 |
| Net loans and leases to total assets | 52.1742% | 4,614 |
| Net loans and leases to deposits | 62.3034% | 4,563 |
| Net loans and leases to core deposits | 62.3034% | 4,799 |
| Total domestic deposits to total assets | 83.7421% | 3,622 |
| Equity capital to assets | 15.0741% | 674 |
| Core capital (leverage) ratio | 14.7721% | 648 |
| Tier 1 risk-based capital ratio | 24.1143% | 906 |
| Total risk-based capital ratio | 25.3665% | 888 |
| Memoranda: | ||
| Average total assets | $52,594,500 | 5,459 |
| Average earning assets | $46,799,500 | 5,474 |
| Average equity | $7,770,000 | 5,093 |
| Average total loans | $29,141,500 | 5,370 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8402% | 3,915 |
| Cost of funding earning assets | 0.1899% | 5,368 |
| Net interest margin | 3.6503% | 2,937 |
| Noninterest income to average assets | 0.5836% | 2,812 |
| Noninterest expense to average assets | 2.5847% | 3,974 |
| Loan and lease loss provision to assets | 0.1990% | 1,085 |
| Net operating income to assets | 0.8262% | 3,218 |
| Return on assets (ROA) | 0.8262% | 3,296 |
| Pretax return on assets | 1.0782% | 3,160 |
| Return on Equity (ROE) | 5.6640% | 4,199 |
| Retained earnings to average equity (ytd only) | 3.3256% | 3,685 |
| Net charge-offs to loans | 0.0072% | 4,196 |
| Credit loss provision to net charge-offs | 5,250.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 337.0000% | 207 |
| Efficiency ratio | 66.9284% | 3,763 |
| Assets per employee ($millions) | 4.8628% | 2,514 |
| Cash dividends to net income (ytd only)* | 41.2844% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 2,624 |
| Loan loss allowance to noncurrent loans | 185.3982% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 3,916 |
| Noncurrent loans to loans | 0.7329% | 2,983 |
| Net loans and leases to total assets | 56.8619% | 4,215 |
| Net loans and leases to deposits | 67.5056% | 4,173 |
| Net loans and leases to core deposits | 67.5056% | 4,479 |
| Total domestic deposits to total assets | 84.2329% | 3,388 |
| Equity capital to assets | 14.4828% | 774 |
| Core capital (leverage) ratio | 14.7792% | 657 |
| Tier 1 risk-based capital ratio | 22.0803% | 1,132 |
| Total risk-based capital ratio | 23.2892% | 1,119 |
| Memoranda: | ||
| Average total assets | $52,771,800 | 5,486 |
| Average earning assets | $47,393,400 | 5,497 |
| Average equity | $7,697,800 | 5,113 |
| Average total loans | $27,928,800 | 5,443 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6314% | 4,640 |
| Cost of funding earning assets | 0.1938% | 5,434 |
| Net interest margin | 3.4376% | 3,808 |
| Noninterest income to average assets | 0.5679% | 2,930 |
| Noninterest expense to average assets | 2.5479% | 4,052 |
| Loan and lease loss provision to assets | 0.0127% | 4,017 |
| Net operating income to assets | 0.9431% | 2,743 |
| Return on assets (ROA) | 0.9431% | 2,849 |
| Pretax return on assets | 1.1104% | 3,176 |
| Return on Equity (ROE) | 6.4536% | 3,934 |
| Retained earnings to average equity (ytd only) | 6.4536% | 1,987 |
| Net charge-offs to loans | 0.0049% | 4,005 |
| Credit loss provision to net charge-offs | 500.0000% | 644 |
| Earnings coverage of net charge-offs (x) | 444.0977% | 166 |
| Efficiency ratio | 69.4061% | 3,310 |
| Assets per employee ($millions) | 4.6605% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 4,787 |
| Loan loss allowance to noncurrent loans | 128.0000% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.4877% | 3,868 |
| Noncurrent loans to loans | 0.7759% | 3,026 |
| Net loans and leases to total assets | 62.2245% | 3,574 |
| Net loans and leases to deposits | 74.5275% | 3,483 |
| Net loans and leases to core deposits | 74.5275% | 3,959 |
| Total domestic deposits to total assets | 83.4920% | 3,611 |
| Equity capital to assets | 15.3689% | 668 |
| Core capital (leverage) ratio | 15.2404% | 598 |
| Tier 1 risk-based capital ratio | 21.8598% | 1,215 |
| Total risk-based capital ratio | 22.7635% | 1,244 |
| Memoranda: | ||
| Average total assets | $52,592,000 | 5,561 |
| Average earning assets | $47,473,250 | 5,561 |
| Average equity | $7,685,500 | 5,179 |
| Average total loans | $27,202,250 | 5,535 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3630% | 5,305 |
| Cost of funding earning assets | 0.1917% | 5,512 |
| Net interest margin | 3.1713% | 4,743 |
| Noninterest income to average assets | 0.5393% | 3,114 |
| Noninterest expense to average assets | 2.4550% | 4,382 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8221% | 3,266 |
| Return on assets (ROA) | 0.8221% | 3,373 |
| Pretax return on assets | 0.9541% | 3,757 |
| Return on Equity (ROE) | 5.7210% | 4,270 |
| Retained earnings to average equity (ytd only) | 5.7210% | 2,401 |
| Net charge-offs to loans | 0.0157% | 3,394 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 126.5000% | 498 |
| Efficiency ratio | 72.0133% | 2,996 |
| Assets per employee ($millions) | 4.8004% | 2,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 3,901 |
| Loan loss allowance to noncurrent loans | 125.0996% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 4,029 |
| Noncurrent loans to loans | 0.9436% | 2,766 |
| Net loans and leases to total assets | 49.7784% | 4,954 |
| Net loans and leases to deposits | 59.0873% | 4,928 |
| Net loans and leases to core deposits | 59.0873% | 5,124 |
| Total domestic deposits to total assets | 84.2455% | 3,468 |
| Equity capital to assets | 14.6182% | 793 |
| Core capital (leverage) ratio | 14.5316% | 704 |
| Tier 1 risk-based capital ratio | 25.0642% | 858 |
| Total risk-based capital ratio | 26.1017% | 863 |
| Memoranda: | ||
| Average total assets | $53,034,000 | 5,612 |
| Average earning assets | $47,993,330 | 5,606 |
| Average equity | $7,621,000 | 5,241 |
| Average total loans | $25,529,670 | 5,651 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3888% | 5,228 |
| Cost of funding earning assets | 0.1925% | 5,575 |
| Net interest margin | 3.1964% | 4,627 |
| Noninterest income to average assets | 0.5118% | 3,213 |
| Noninterest expense to average assets | 2.4309% | 4,508 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8203% | 3,156 |
| Return on assets (ROA) | 0.8203% | 3,283 |
| Pretax return on assets | 0.9558% | 3,665 |
| Return on Equity (ROE) | 5.7581% | 4,157 |
| Retained earnings to average equity (ytd only) | 5.7581% | 2,628 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7778% | 3,205 |
| Assets per employee ($millions) | 4.8700% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 2,788 |
| Loan loss allowance to noncurrent loans | 156.4356% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.3771% | 4,510 |
| Noncurrent loans to loans | 0.9139% | 2,955 |
| Net loans and leases to total assets | 40.6702% | 5,566 |
| Net loans and leases to deposits | 47.9805% | 5,565 |
| Net loans and leases to core deposits | 47.9805% | 5,670 |
| Total domestic deposits to total assets | 84.7639% | 3,526 |
| Equity capital to assets | 14.2393% | 912 |
| Core capital (leverage) ratio | 14.1332% | 785 |
| Tier 1 risk-based capital ratio | 27.5820% | 672 |
| Total risk-based capital ratio | 28.7472% | 662 |
| Memoranda: | ||
| Average total assets | $53,149,000 | 5,662 |
| Average earning assets | $47,804,000 | 5,663 |
| Average equity | $7,572,000 | 5,287 |
| Average total loans | $24,995,000 | 5,715 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4900% | 5,338 |
| Cost of funding earning assets | 0.2028% | 5,715 |
| Net interest margin | 3.2872% | 4,629 |
| Noninterest income to average assets | 0.5778% | 3,000 |
| Noninterest expense to average assets | 2.6825% | 3,930 |
| Loan and lease loss provision to assets | 0.2087% | 1,202 |
| Net operating income to assets | 0.5678% | 4,519 |
| Return on assets (ROA) | 0.5678% | 4,606 |
| Pretax return on assets | 0.6461% | 4,795 |
| Return on Equity (ROE) | 3.7935% | 5,203 |
| Retained earnings to average equity (ytd only) | 2.3860% | 4,532 |
| Net charge-offs to loans | 0.0787% | 3,367 |
| Credit loss provision to net charge-offs | 577.7778% | 464 |
| Earnings coverage of net charge-offs (x) | 23.6667% | 1,570 |
| Efficiency ratio | 75.8366% | 2,535 |
| Assets per employee ($millions) | 4.7935% | 2,600 |
| Cash dividends to net income (ytd only)* | 37.1025% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 4,374 |
| Loan loss allowance to noncurrent loans | 182.6590% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.3281% | 4,731 |
| Noncurrent loans to loans | 0.6204% | 3,826 |
| Net loans and leases to total assets | 52.2891% | 4,760 |
| Net loans and leases to deposits | 61.6801% | 4,753 |
| Net loans and leases to core deposits | 61.6801% | 5,025 |
| Total domestic deposits to total assets | 84.7747% | 3,379 |
| Equity capital to assets | 14.2543% | 885 |
| Core capital (leverage) ratio | 14.3989% | 726 |
| Tier 1 risk-based capital ratio | 23.3389% | 1,025 |
| Total risk-based capital ratio | 24.3393% | 1,048 |
| Memoranda: | ||
| Average total assets | $49,840,800 | 5,789 |
| Average earning assets | $44,870,600 | 5,804 |
| Average equity | $7,460,200 | 5,312 |
| Average total loans | $22,873,000 | 5,857 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2997% | 5,772 |
| Cost of funding earning assets | 0.2012% | 5,815 |
| Net interest margin | 3.0986% | 5,264 |
| Noninterest income to average assets | 0.5673% | 3,083 |
| Noninterest expense to average assets | 2.7362% | 3,690 |
| Loan and lease loss provision to assets | 0.1656% | 1,496 |
| Net operating income to assets | 0.4560% | 5,051 |
| Return on assets (ROA) | 0.4560% | 5,134 |
| Pretax return on assets | 0.4669% | 5,414 |
| Return on Equity (ROE) | 3.0081% | 5,537 |
| Retained earnings to average equity (ytd only) | 3.0081% | 4,471 |
| Net charge-offs to loans | 0.1172% | 2,635 |
| Credit loss provision to net charge-offs | 321.0526% | 872 |
| Earnings coverage of net charge-offs (x) | 12.2645% | 2,337 |
| Efficiency ratio | 81.2248% | 1,721 |
| Assets per employee ($millions) | 4.4935% | 2,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 5,122 |
| Loan loss allowance to noncurrent loans | 280.4124% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.1962% | 5,432 |
| Noncurrent loans to loans | 0.3637% | 4,820 |
| Net loans and leases to total assets | 53.3998% | 4,648 |
| Net loans and leases to deposits | 63.7591% | 4,564 |
| Net loans and leases to core deposits | 63.7591% | 4,900 |
| Total domestic deposits to total assets | 83.7525% | 3,856 |
| Equity capital to assets | 15.2441% | 687 |
| Core capital (leverage) ratio | 14.9919% | 618 |
| Tier 1 risk-based capital ratio | 26.2182% | 766 |
| Total risk-based capital ratio | 27.1892% | 770 |
| Memoranda: | ||
| Average total assets | $49,119,000 | 5,872 |
| Average earning assets | $44,406,750 | 5,888 |
| Average equity | $7,446,250 | 5,357 |
| Average total loans | $21,619,500 | 5,962 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9980% | 6,184 |
| Cost of funding earning assets | 0.2023% | 5,888 |
| Net interest margin | 2.7958% | 5,920 |
| Noninterest income to average assets | 0.5631% | 3,028 |
| Noninterest expense to average assets | 2.6971% | 3,878 |
| Loan and lease loss provision to assets | 0.0694% | 2,881 |
| Net operating income to assets | 0.3264% | 5,474 |
| Return on assets (ROA) | 0.3264% | 5,549 |
| Pretax return on assets | 0.3346% | 5,717 |
| Return on Equity (ROE) | 2.1573% | 5,805 |
| Retained earnings to average equity (ytd only) | 2.1573% | 4,813 |
| Net charge-offs to loans | 0.1705% | 2,032 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 5.8235% | 2,864 |
| Efficiency ratio | 86.9737% | 1,183 |
| Assets per employee ($millions) | 4.5555% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 5,265 |
| Loan loss allowance to noncurrent loans | 232.3232% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.1976% | 5,528 |
| Noncurrent loans to loans | 0.4395% | 4,670 |
| Net loans and leases to total assets | 44.4972% | 5,500 |
| Net loans and leases to deposits | 52.9480% | 5,430 |
| Net loans and leases to core deposits | 52.9480% | 5,617 |
| Total domestic deposits to total assets | 84.0394% | 3,909 |
| Equity capital to assets | 14.8710% | 733 |
| Core capital (leverage) ratio | 14.6772% | 659 |
| Tier 1 risk-based capital ratio | 28.6013% | 607 |
| Total risk-based capital ratio | 29.5105% | 613 |
| Memoranda: | ||
| Average total assets | $49,015,670 | 5,924 |
| Average earning assets | $44,496,000 | 5,933 |
| Average equity | $7,416,670 | 5,393 |
| Average total loans | $19,937,000 | 6,080 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9188% | 6,313 |
| Cost of funding earning assets | 0.1927% | 6,061 |
| Net interest margin | 2.7260% | 6,070 |
| Noninterest income to average assets | 0.5860% | 2,818 |
| Noninterest expense to average assets | 2.6244% | 4,201 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3961% | 5,134 |
| Return on assets (ROA) | 0.3961% | 5,203 |
| Pretax return on assets | 0.4126% | 5,414 |
| Return on Equity (ROE) | 2.5949% | 5,592 |
| Retained earnings to average equity (ytd only) | 2.5949% | 4,517 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4130% | 1,402 |
| Assets per employee ($millions) | 4.5189% | 2,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 4,057 |
| Loan loss allowance to noncurrent loans | 225.4902% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.2052% | 5,607 |
| Noncurrent loans to loans | 0.5822% | 4,418 |
| Net loans and leases to total assets | 34.7851% | 6,133 |
| Net loans and leases to deposits | 41.4057% | 6,110 |
| Net loans and leases to core deposits | 41.4057% | 6,182 |
| Total domestic deposits to total assets | 84.0106% | 4,270 |
| Equity capital to assets | 14.9211% | 694 |
| Core capital (leverage) ratio | 15.1247% | 584 |
| Tier 1 risk-based capital ratio | 32.4515% | 429 |
| Total risk-based capital ratio | 33.4877% | 433 |
| Memoranda: | ||
| Average total assets | $48,468,000 | 5,995 |
| Average earning assets | $43,580,000 | 6,016 |
| Average equity | $7,399,000 | 5,432 |
| Average total loans | $18,641,500 | 6,194 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4473% | 5,739 |
| Cost of funding earning assets | 0.1897% | 6,341 |
| Net interest margin | 3.2577% | 4,815 |
| Noninterest income to average assets | 0.6402% | 2,863 |
| Noninterest expense to average assets | 2.5271% | 4,680 |
| Loan and lease loss provision to assets | 0.0572% | 3,998 |
| Net operating income to assets | 0.8014% | 3,286 |
| Return on assets (ROA) | 0.8014% | 3,387 |
| Pretax return on assets | 0.9688% | 3,485 |
| Return on Equity (ROE) | 5.1937% | 4,540 |
| Retained earnings to average equity (ytd only) | 3.7510% | 3,547 |
| Net charge-offs to loans | 0.0390% | 4,685 |
| Credit loss provision to net charge-offs | 337.5000% | 676 |
| Earnings coverage of net charge-offs (x) | 60.5000% | 683 |
| Efficiency ratio | 71.1217% | 3,645 |
| Assets per employee ($millions) | 4.2935% | 3,283 |
| Cash dividends to net income (ytd only)* | 27.7778% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1588% | 4,871 |
| Loan loss allowance to noncurrent loans | 218.0952% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.2223% | 5,617 |
| Noncurrent loans to loans | 0.5313% | 4,664 |
| Net loans and leases to total assets | 41.3589% | 5,865 |
| Net loans and leases to deposits | 49.6720% | 5,795 |
| Net loans and leases to core deposits | 49.6720% | 5,956 |
| Total domestic deposits to total assets | 83.2642% | 4,443 |
| Equity capital to assets | 15.6284% | 583 |
| Core capital (leverage) ratio | 15.5376% | 534 |
| Tier 1 risk-based capital ratio | 28.7139% | 571 |
| Total risk-based capital ratio | 29.6368% | 575 |
| Memoranda: | ||
| Average total assets | $47,169,600 | 6,090 |
| Average earning assets | $42,177,600 | 6,102 |
| Average equity | $7,278,000 | 5,502 |
| Average total loans | $20,538,600 | 6,172 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3316% | 6,001 |
| Cost of funding earning assets | 0.1912% | 6,440 |
| Net interest margin | 3.1404% | 5,193 |
| Noninterest income to average assets | 0.6164% | 3,052 |
| Noninterest expense to average assets | 2.4712% | 4,807 |
| Loan and lease loss provision to assets | 0.0763% | 3,528 |
| Net operating income to assets | 0.8030% | 3,328 |
| Return on assets (ROA) | 0.8030% | 3,464 |
| Pretax return on assets | 0.9020% | 3,872 |
| Return on Equity (ROE) | 5.2213% | 4,613 |
| Retained earnings to average equity (ytd only) | 5.2213% | 2,918 |
| Net charge-offs to loans | 0.0257% | 4,612 |
| Credit loss provision to net charge-offs | 675.0000% | 429 |
| Earnings coverage of net charge-offs (x) | 86.5516% | 551 |
| Efficiency ratio | 71.6393% | 3,472 |
| Assets per employee ($millions) | 4.1608% | 3,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 5,718 |
| Loan loss allowance to noncurrent loans | 217.7570% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.2338% | 5,743 |
| Noncurrent loans to loans | 0.4592% | 5,042 |
| Net loans and leases to total assets | 50.3987% | 5,095 |
| Net loans and leases to deposits | 60.8965% | 4,879 |
| Net loans and leases to core deposits | 60.8965% | 5,231 |
| Total domestic deposits to total assets | 82.7613% | 4,660 |
| Equity capital to assets | 16.1485% | 527 |
| Core capital (leverage) ratio | 15.9093% | 505 |
| Tier 1 risk-based capital ratio | 27.5121% | 665 |
| Total risk-based capital ratio | 28.4061% | 675 |
| Memoranda: | ||
| Average total assets | $47,155,000 | 6,159 |
| Average earning assets | $42,541,750 | 6,163 |
| Average equity | $7,252,250 | 5,569 |
| Average total loans | $20,732,750 | 6,226 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1263% | 6,314 |
| Cost of funding earning assets | 0.1948% | 6,500 |
| Net interest margin | 2.9315% | 5,723 |
| Noninterest income to average assets | 0.6006% | 3,186 |
| Noninterest expense to average assets | 2.3773% | 5,115 |
| Loan and lease loss provision to assets | 0.0840% | 3,398 |
| Net operating income to assets | 0.7014% | 3,802 |
| Return on assets (ROA) | 0.7014% | 3,977 |
| Pretax return on assets | 0.7938% | 4,336 |
| Return on Equity (ROE) | 4.6350% | 4,932 |
| Retained earnings to average equity (ytd only) | 4.6350% | 3,308 |
| Net charge-offs to loans | 0.0604% | 3,841 |
| Credit loss provision to net charge-offs | 333.3333% | 775 |
| Earnings coverage of net charge-offs (x) | 34.8333% | 1,031 |
| Efficiency ratio | 73.0323% | 3,305 |
| Assets per employee ($millions) | 4.1965% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0566% | 5,595 |
| Loan loss allowance to noncurrent loans | 191.4530% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.2535% | 5,731 |
| Noncurrent loans to loans | 0.5519% | 4,880 |
| Net loans and leases to total assets | 45.4410% | 5,595 |
| Net loans and leases to deposits | 54.7133% | 5,455 |
| Net loans and leases to core deposits | 54.7133% | 5,695 |
| Total domestic deposits to total assets | 83.0528% | 4,682 |
| Equity capital to assets | 15.7752% | 564 |
| Core capital (leverage) ratio | 15.1868% | 584 |
| Tier 1 risk-based capital ratio | 28.8794% | 578 |
| Total risk-based capital ratio | 29.8172% | 586 |
| Memoranda: | ||
| Average total assets | $47,617,000 | 6,193 |
| Average earning assets | $43,118,000 | 6,184 |
| Average equity | $7,206,000 | 5,632 |
| Average total loans | $19,877,000 | 6,312 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9668% | 6,547 |
| Cost of funding earning assets | 0.2002% | 6,571 |
| Net interest margin | 2.7666% | 6,099 |
| Noninterest income to average assets | 0.5874% | 3,205 |
| Noninterest expense to average assets | 2.6559% | 4,226 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4468% | 4,926 |
| Return on assets (ROA) | 0.4468% | 5,086 |
| Pretax return on assets | 0.4468% | 5,425 |
| Return on Equity (ROE) | 3.0134% | 5,584 |
| Retained earnings to average equity (ytd only) | 3.0134% | 4,478 |
| Net charge-offs to loans | -0.0208% | 5,733 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6000% | 1,564 |
| Assets per employee ($millions) | 4.3888% | 3,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 4,759 |
| Loan loss allowance to noncurrent loans | 193.5780% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 5,889 |
| Noncurrent loans to loans | 0.6662% | 4,791 |
| Net loans and leases to total assets | 33.4549% | 6,443 |
| Net loans and leases to deposits | 39.7994% | 6,428 |
| Net loans and leases to core deposits | 39.7994% | 6,491 |
| Total domestic deposits to total assets | 84.0587% | 4,450 |
| Equity capital to assets | 14.8994% | 778 |
| Core capital (leverage) ratio | 14.4637% | 678 |
| Tier 1 risk-based capital ratio | 32.5143% | 431 |
| Total risk-based capital ratio | 33.5274% | 434 |
| Memoranda: | ||
| Average total assets | $48,345,000 | 6,228 |
| Average earning assets | $43,953,000 | 6,213 |
| Average equity | $7,168,000 | 5,699 |
| Average total loans | $19,215,500 | 6,400 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2614% | 6,618 |
| Cost of funding earning assets | 0.2575% | 6,641 |
| Net interest margin | 3.0039% | 6,044 |
| Noninterest income to average assets | 0.6487% | 2,997 |
| Noninterest expense to average assets | 2.6476% | 4,577 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6852% | 3,807 |
| Return on assets (ROA) | 0.6852% | 4,070 |
| Pretax return on assets | 0.7683% | 4,416 |
| Return on Equity (ROE) | 4.7926% | 4,788 |
| Retained earnings to average equity (ytd only) | 2.3254% | 4,597 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5074% | 2,519 |
| Assets per employee ($millions) | 4.4012% | 3,145 |
| Cash dividends to net income (ytd only)* | 51.4793% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 6,125 |
| Loan loss allowance to noncurrent loans | 139.0728% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.3119% | 5,736 |
| Noncurrent loans to loans | 0.6842% | 4,830 |
| Net loans and leases to total assets | 45.1511% | 5,706 |
| Net loans and leases to deposits | 53.5734% | 5,687 |
| Net loans and leases to core deposits | 53.5734% | 5,908 |
| Total domestic deposits to total assets | 84.2790% | 4,193 |
| Equity capital to assets | 14.7543% | 805 |
| Core capital (leverage) ratio | 14.3349% | 711 |
| Tier 1 risk-based capital ratio | 27.3182% | 670 |
| Total risk-based capital ratio | 28.1722% | 688 |
| Memoranda: | ||
| Average total assets | $49,328,000 | 6,231 |
| Average earning assets | $45,440,800 | 6,192 |
| Average equity | $7,052,600 | 5,749 |
| Average total loans | $19,407,000 | 6,450 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0252% | 6,894 |
| Cost of funding earning assets | 0.2703% | 6,731 |
| Net interest margin | 2.7549% | 6,572 |
| Noninterest income to average assets | 0.6430% | 3,029 |
| Noninterest expense to average assets | 2.6097% | 4,703 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5435% | 4,649 |
| Return on assets (ROA) | 0.5435% | 4,913 |
| Pretax return on assets | 0.5838% | 5,223 |
| Return on Equity (ROE) | 3.8312% | 5,359 |
| Retained earnings to average equity (ytd only) | 2.5225% | 5,055 |
| Net charge-offs to loans | -0.0213% | 6,513 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7186% | 1,840 |
| Assets per employee ($millions) | 4.4029% | 3,069 |
| Cash dividends to net income (ytd only)* | 34.1588% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8618% | 6,480 |
| Loan loss allowance to noncurrent loans | 131.4815% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.3345% | 5,857 |
| Noncurrent loans to loans | 0.6554% | 5,137 |
| Net loans and leases to total assets | 50.5946% | 5,236 |
| Net loans and leases to deposits | 60.0235% | 5,206 |
| Net loans and leases to core deposits | 60.0235% | 5,553 |
| Total domestic deposits to total assets | 84.2914% | 4,083 |
| Equity capital to assets | 14.7237% | 896 |
| Core capital (leverage) ratio | 14.2584% | 760 |
| Tier 1 risk-based capital ratio | 26.2285% | 807 |
| Total risk-based capital ratio | 27.0631% | 828 |
| Memoranda: | ||
| Average total assets | $49,556,750 | 6,296 |
| Average earning assets | $45,880,250 | 6,258 |
| Average equity | $7,030,000 | 5,819 |
| Average total loans | $18,741,500 | 6,564 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6701% | 7,085 |
| Cost of funding earning assets | 0.2747% | 6,821 |
| Net interest margin | 2.3954% | 6,962 |
| Noninterest income to average assets | 0.6409% | 2,999 |
| Noninterest expense to average assets | 2.5715% | 4,874 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3044% | 5,602 |
| Return on assets (ROA) | 0.3044% | 5,806 |
| Pretax return on assets | 0.3044% | 5,958 |
| Return on Equity (ROE) | 2.1726% | 5,991 |
| Retained earnings to average equity (ytd only) | 0.2001% | 5,978 |
| Net charge-offs to loans | -0.0358% | 6,573 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4150% | 1,126 |
| Assets per employee ($millions) | 5.6072% | 1,520 |
| Cash dividends to net income (ytd only)* | 90.7895% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 6,000 |
| Loan loss allowance to noncurrent loans | 760.7143% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 6,684 |
| Noncurrent loans to loans | 0.1369% | 6,316 |
| Net loans and leases to total assets | 40.1110% | 6,331 |
| Net loans and leases to deposits | 47.1380% | 6,367 |
| Net loans and leases to core deposits | 47.1380% | 6,505 |
| Total domestic deposits to total assets | 85.0926% | 3,816 |
| Equity capital to assets | 13.8750% | 1,153 |
| Core capital (leverage) ratio | 13.6122% | 933 |
| Tier 1 risk-based capital ratio | 29.7014% | 531 |
| Total risk-based capital ratio | 30.6205% | 538 |
| Memoranda: | ||
| Average total assets | $49,931,670 | 6,324 |
| Average earning assets | $46,590,000 | 6,275 |
| Average equity | $6,996,330 | 5,851 |
| Average total loans | $16,749,670 | 6,701 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4495% | 7,183 |
| Cost of funding earning assets | 0.2943% | 6,857 |
| Net interest margin | 2.1552% | 7,108 |
| Noninterest income to average assets | 0.6846% | 2,732 |
| Noninterest expense to average assets | 2.6659% | 4,564 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0242% | 6,376 |
| Return on assets (ROA) | 0.0242% | 6,489 |
| Pretax return on assets | 0.0242% | 6,498 |
| Return on Equity (ROE) | 0.1716% | 6,492 |
| Retained earnings to average equity (ytd only) | 0.1716% | 5,925 |
| Net charge-offs to loans | -0.0269% | 6,298 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1018% | 586 |
| Assets per employee ($millions) | 4.9941% | 2,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4652% | 4,313 |
| Loan loss allowance to noncurrent loans | 680.6452% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 6,737 |
| Noncurrent loans to loans | 0.2153% | 6,258 |
| Net loans and leases to total assets | 28.4135% | 6,966 |
| Net loans and leases to deposits | 33.4040% | 6,971 |
| Net loans and leases to core deposits | 33.4040% | 7,008 |
| Total domestic deposits to total assets | 85.0604% | 4,008 |
| Equity capital to assets | 14.0306% | 1,021 |
| Core capital (leverage) ratio | 14.2205% | 745 |
| Tier 1 risk-based capital ratio | 36.4465% | 300 |
| Total risk-based capital ratio | 37.5642% | 296 |
| Memoranda: | ||
| Average total assets | $49,665,000 | 6,379 |
| Average earning assets | $46,213,500 | 6,322 |
| Average equity | $6,993,500 | 5,875 |
| Average total loans | $14,897,000 | 6,863 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3804% | 7,062 |
| Cost of funding earning assets | 0.4266% | 6,815 |
| Net interest margin | 2.9538% | 6,602 |
| Noninterest income to average assets | 0.7903% | 2,118 |
| Noninterest expense to average assets | 2.7661% | 4,490 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6374% | 3,796 |
| Return on assets (ROA) | 0.6374% | 3,996 |
| Pretax return on assets | 0.7457% | 4,171 |
| Return on Equity (ROE) | 4.3495% | 4,700 |
| Retained earnings to average equity (ytd only) | 2.8996% | 4,178 |
| Net charge-offs to loans | -0.0158% | 6,930 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7659% | 2,489 |
| Assets per employee ($millions) | 4.9389% | 2,290 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3643% | 4,622 |
| Loan loss allowance to noncurrent loans | 567.5676% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0749% | 6,763 |
| Noncurrent loans to loans | 0.2404% | 6,252 |
| Net loans and leases to total assets | 30.7417% | 6,983 |
| Net loans and leases to deposits | 36.1500% | 6,994 |
| Net loans and leases to core deposits | 36.1500% | 7,033 |
| Total domestic deposits to total assets | 85.0392% | 3,821 |
| Equity capital to assets | 14.1327% | 1,018 |
| Core capital (leverage) ratio | 13.9216% | 844 |
| Tier 1 risk-based capital ratio | 34.7780% | 337 |
| Total risk-based capital ratio | 35.8400% | 340 |
| Memoranda: | ||
| Average total assets | $47,069,800 | 6,455 |
| Average earning assets | $43,368,000 | 6,407 |
| Average equity | $6,897,400 | 5,892 |
| Average total loans | $18,952,600 | 6,711 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3865% | 7,142 |
| Cost of funding earning assets | 0.4544% | 6,869 |
| Net interest margin | 2.9321% | 6,702 |
| Noninterest income to average assets | 0.8145% | 1,980 |
| Noninterest expense to average assets | 2.8077% | 4,312 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6367% | 3,935 |
| Return on assets (ROA) | 0.6367% | 4,120 |
| Pretax return on assets | 0.7084% | 4,443 |
| Return on Equity (ROE) | 4.3042% | 4,864 |
| Retained earnings to average equity (ytd only) | 4.3042% | 3,666 |
| Net charge-offs to loans | -0.1008% | 7,166 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8532% | 2,270 |
| Assets per employee ($millions) | 4.3505% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 6,153 |
| Loan loss allowance to noncurrent loans | 569.2308% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 6,850 |
| Noncurrent loans to loans | 0.1797% | 6,513 |
| Net loans and leases to total assets | 44.8919% | 6,251 |
| Net loans and leases to deposits | 53.1179% | 6,278 |
| Net loans and leases to core deposits | 53.1179% | 6,502 |
| Total domestic deposits to total assets | 84.5136% | 4,001 |
| Equity capital to assets | 14.6923% | 933 |
| Core capital (leverage) ratio | 14.3335% | 808 |
| Tier 1 risk-based capital ratio | 29.5430% | 569 |
| Total risk-based capital ratio | 30.4938% | 574 |
| Memoranda: | ||
| Average total assets | $46,490,000 | 6,527 |
| Average earning assets | $42,835,250 | 6,489 |
| Average equity | $6,876,750 | 5,938 |
| Average total loans | $19,842,500 | 6,734 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1763% | 7,291 |
| Cost of funding earning assets | 0.4774% | 6,923 |
| Net interest margin | 2.6989% | 7,028 |
| Noninterest income to average assets | 0.8124% | 1,964 |
| Noninterest expense to average assets | 2.7892% | 4,471 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4736% | 4,626 |
| Return on assets (ROA) | 0.4736% | 4,766 |
| Pretax return on assets | 0.5040% | 5,059 |
| Return on Equity (ROE) | 3.1940% | 5,313 |
| Retained earnings to average equity (ytd only) | 3.1940% | 4,240 |
| Net charge-offs to loans | -0.1561% | 7,261 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6966% | 1,738 |
| Assets per employee ($millions) | 4.7869% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0418% | 6,179 |
| Loan loss allowance to noncurrent loans | 716.1290% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 6,935 |
| Noncurrent loans to loans | 0.1455% | 6,616 |
| Net loans and leases to total assets | 44.0536% | 6,433 |
| Net loans and leases to deposits | 52.0306% | 6,469 |
| Net loans and leases to core deposits | 52.0306% | 6,661 |
| Total domestic deposits to total assets | 84.6686% | 4,039 |
| Equity capital to assets | 14.4791% | 945 |
| Core capital (leverage) ratio | 14.4469% | 771 |
| Tier 1 risk-based capital ratio | 29.0553% | 596 |
| Total risk-based capital ratio | 30.0060% | 598 |
| Memoranda: | ||
| Average total assets | $46,035,000 | 6,594 |
| Average earning assets | $42,313,000 | 6,564 |
| Average equity | $6,825,330 | 5,975 |
| Average total loans | $19,221,670 | 6,830 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9771% | 7,402 |
| Cost of funding earning assets | 0.4946% | 6,988 |
| Net interest margin | 2.4825% | 7,210 |
| Noninterest income to average assets | 0.7536% | 2,243 |
| Noninterest expense to average assets | 2.8281% | 4,338 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1950% | 5,798 |
| Return on assets (ROA) | 0.1950% | 5,857 |
| Pretax return on assets | 0.1950% | 5,950 |
| Return on Equity (ROE) | 1.2994% | 6,050 |
| Retained earnings to average equity (ytd only) | 1.2994% | 5,306 |
| Net charge-offs to loans | 0.1320% | 3,720 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 3.6667% | 2,672 |
| Efficiency ratio | 93.5484% | 1,063 |
| Assets per employee ($millions) | 4.6111% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 5,358 |
| Loan loss allowance to noncurrent loans | 107.4866% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.4055% | 6,192 |
| Noncurrent loans to loans | 1.1679% | 4,751 |
| Net loans and leases to total assets | 34.2868% | 7,083 |
| Net loans and leases to deposits | 40.6124% | 7,072 |
| Net loans and leases to core deposits | 40.6124% | 7,153 |
| Total domestic deposits to total assets | 84.4245% | 4,311 |
| Equity capital to assets | 14.7362% | 827 |
| Core capital (leverage) ratio | 14.4028% | 759 |
| Tier 1 risk-based capital ratio | 33.1781% | 397 |
| Total risk-based capital ratio | 34.1739% | 399 |
| Memoranda: | ||
| Average total assets | $45,118,000 | 6,663 |
| Average earning assets | $41,248,000 | 6,638 |
| Average equity | $6,772,500 | 5,996 |
| Average total loans | $18,177,500 | 6,932 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0207% | 7,117 |
| Cost of funding earning assets | 0.7220% | 6,817 |
| Net interest margin | 3.2987% | 5,981 |
| Noninterest income to average assets | 0.7663% | 2,451 |
| Noninterest expense to average assets | 2.7499% | 4,780 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8005% | 2,798 |
| Return on assets (ROA) | 0.8174% | 2,858 |
| Pretax return on assets | 1.0729% | 2,690 |
| Return on Equity (ROE) | 5.5422% | 3,819 |
| Retained earnings to average equity (ytd only) | 4.0361% | 3,031 |
| Net charge-offs to loans | 0.1950% | 5,125 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 12.1282% | 1,540 |
| Efficiency ratio | 72.3553% | 3,727 |
| Assets per employee ($millions) | 4.4125% | 3,003 |
| Cash dividends to net income (ytd only)* | 27.1739% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 6,299 |
| Loan loss allowance to noncurrent loans | 422.4490% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 6,956 |
| Noncurrent loans to loans | 0.2409% | 6,579 |
| Net loans and leases to total assets | 45.6363% | 6,589 |
| Net loans and leases to deposits | 54.4611% | 6,574 |
| Net loans and leases to core deposits | 54.4611% | 6,785 |
| Total domestic deposits to total assets | 83.7960% | 4,454 |
| Equity capital to assets | 15.2975% | 720 |
| Core capital (leverage) ratio | 15.4070% | 598 |
| Tier 1 risk-based capital ratio | 28.1949% | 591 |
| Total risk-based capital ratio | 29.0692% | 608 |
| Memoranda: | ||
| Average total assets | $45,020,000 | 6,696 |
| Average earning assets | $41,410,600 | 6,661 |
| Average equity | $6,640,000 | 6,154 |
| Average total loans | $20,003,200 | 6,922 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 7,328 |
| Cost of funding earning assets | 0.7655% | 6,859 |
| Net interest margin | 3.1481% | 6,490 |
| Noninterest income to average assets | 0.7073% | 2,784 |
| Noninterest expense to average assets | 2.7672% | 4,613 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7025% | 3,403 |
| Return on assets (ROA) | 0.7367% | 3,411 |
| Pretax return on assets | 0.8900% | 3,592 |
| Return on Equity (ROE) | 5.0409% | 4,265 |
| Retained earnings to average equity (ytd only) | 5.0409% | 2,958 |
| Net charge-offs to loans | 0.1272% | 5,282 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 15.1595% | 1,459 |
| Efficiency ratio | 76.5281% | 2,854 |
| Assets per employee ($millions) | 3.8815% | 4,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 6,411 |
| Loan loss allowance to noncurrent loans | 136.7470% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3888% | 6,444 |
| Noncurrent loans to loans | 0.7283% | 5,745 |
| Net loans and leases to total assets | 52.8527% | 5,999 |
| Net loans and leases to deposits | 63.5859% | 5,962 |
| Net loans and leases to core deposits | 63.5859% | 6,328 |
| Total domestic deposits to total assets | 83.1202% | 4,539 |
| Equity capital to assets | 15.9289% | 694 |
| Core capital (leverage) ratio | 15.0794% | 703 |
| Tier 1 risk-based capital ratio | 26.5016% | 740 |
| Total risk-based capital ratio | 27.4052% | 748 |
| Memoranda: | ||
| Average total assets | $45,243,750 | 6,773 |
| Average earning assets | $41,802,250 | 6,731 |
| Average equity | $6,612,500 | 6,230 |
| Average total loans | $19,918,000 | 7,015 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5952% | 7,571 |
| Cost of funding earning assets | 0.7958% | 6,929 |
| Net interest margin | 2.7994% | 7,143 |
| Noninterest income to average assets | 0.6769% | 2,838 |
| Noninterest expense to average assets | 2.6902% | 4,948 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5033% | 4,312 |
| Return on assets (ROA) | 0.5033% | 4,459 |
| Pretax return on assets | 0.5814% | 4,622 |
| Return on Equity (ROE) | 3.5422% | 5,001 |
| Retained earnings to average equity (ytd only) | 3.5422% | 3,854 |
| Net charge-offs to loans | 0.1477% | 4,753 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 9.5714% | 2,005 |
| Efficiency ratio | 82.2281% | 2,132 |
| Assets per employee ($millions) | 4.2733% | 3,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1113% | 5,892 |
| Loan loss allowance to noncurrent loans | 128.1768% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.3851% | 6,472 |
| Noncurrent loans to loans | 0.8670% | 5,534 |
| Net loans and leases to total assets | 43.9199% | 6,927 |
| Net loans and leases to deposits | 51.6745% | 6,997 |
| Net loans and leases to core deposits | 51.6745% | 7,149 |
| Total domestic deposits to total assets | 84.9934% | 3,630 |
| Equity capital to assets | 14.0791% | 1,138 |
| Core capital (leverage) ratio | 14.0834% | 910 |
| Tier 1 risk-based capital ratio | 26.7421% | 718 |
| Total risk-based capital ratio | 27.6931% | 729 |
| Memoranda: | ||
| Average total assets | $46,093,000 | 6,784 |
| Average earning assets | $42,724,000 | 6,749 |
| Average equity | $6,549,670 | 6,286 |
| Average total loans | $18,959,670 | 7,128 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3416% | 7,747 |
| Cost of funding earning assets | 0.8307% | 6,996 |
| Net interest margin | 2.5109% | 7,466 |
| Noninterest income to average assets | 0.6924% | 2,651 |
| Noninterest expense to average assets | 2.7434% | 4,713 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3594% | 5,029 |
| Return on assets (ROA) | 0.3594% | 5,157 |
| Pretax return on assets | 0.2805% | 5,661 |
| Return on Equity (ROE) | 2.5171% | 5,553 |
| Retained earnings to average equity (ytd only) | 2.5171% | 4,624 |
| Net charge-offs to loans | 0.0444% | 4,971 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,354 |
| Efficiency ratio | 90.7246% | 1,376 |
| Assets per employee ($millions) | 4.1963% | 3,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4856% | 3,983 |
| Loan loss allowance to noncurrent loans | 81.3333% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.6499% | 5,895 |
| Noncurrent loans to loans | 1.8266% | 4,025 |
| Net loans and leases to total assets | 35.0528% | 7,462 |
| Net loans and leases to deposits | 41.2576% | 7,477 |
| Net loans and leases to core deposits | 41.2576% | 7,543 |
| Total domestic deposits to total assets | 84.9607% | 3,693 |
| Equity capital to assets | 14.1533% | 1,102 |
| Core capital (leverage) ratio | 13.8620% | 989 |
| Tier 1 risk-based capital ratio | 30.3554% | 512 |
| Total risk-based capital ratio | 31.5039% | 502 |
| Memoranda: | ||
| Average total assets | $45,636,500 | 6,889 |
| Average earning assets | $42,374,500 | 6,843 |
| Average equity | $6,515,500 | 6,342 |
| Average total loans | $18,001,000 | 7,264 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1150% | 7,645 |
| Cost of funding earning assets | 0.9753% | 7,251 |
| Net interest margin | 3.1396% | 6,258 |
| Noninterest income to average assets | 0.6828% | 3,071 |
| Noninterest expense to average assets | 2.8201% | 4,890 |
| Loan and lease loss provision to assets | -0.0228% | 7,966 |
| Net operating income to assets | 0.6328% | 3,207 |
| Return on assets (ROA) | 0.6328% | 3,269 |
| Pretax return on assets | 0.7944% | 3,264 |
| Return on Equity (ROE) | 4.3583% | 3,942 |
| Retained earnings to average equity (ytd only) | 3.4961% | 2,723 |
| Net charge-offs to loans | -0.0263% | 7,806 |
| Credit loss provision to net charge-offs | 200.0000% | 1,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5171% | 3,117 |
| Assets per employee ($millions) | 4.1013% | 3,610 |
| Cash dividends to net income (ytd only)* | 19.7842% | 3,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 5,006 |
| Loan loss allowance to noncurrent loans | 86.3158% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.6317% | 5,884 |
| Noncurrent loans to loans | 1.4557% | 4,487 |
| Net loans and leases to total assets | 42.8514% | 7,199 |
| Net loans and leases to deposits | 50.5901% | 7,224 |
| Net loans and leases to core deposits | 70.4339% | 6,740 |
| Total domestic deposits to total assets | 84.7032% | 3,707 |
| Equity capital to assets | 14.4035% | 1,051 |
| Core capital (leverage) ratio | 14.3858% | 906 |
| Tier 1 risk-based capital ratio | 25.6116% | 791 |
| Total risk-based capital ratio | 26.5950% | 797 |
| Memoranda: | ||
| Average total assets | $43,934,600 | 6,945 |
| Average earning assets | $40,705,200 | 6,920 |
| Average equity | $6,378,600 | 6,470 |
| Average total loans | $18,980,800 | 7,257 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0176% | 7,797 |
| Cost of funding earning assets | 1.0044% | 7,379 |
| Net interest margin | 3.0132% | 6,568 |
| Noninterest income to average assets | 0.6447% | 3,381 |
| Noninterest expense to average assets | 2.8903% | 4,498 |
| Loan and lease loss provision to assets | -0.0305% | 8,049 |
| Net operating income to assets | 0.5072% | 3,951 |
| Return on assets (ROA) | 0.5072% | 4,038 |
| Pretax return on assets | 0.5805% | 4,253 |
| Return on Equity (ROE) | 3.4862% | 4,584 |
| Retained earnings to average equity (ytd only) | 3.4862% | 3,341 |
| Net charge-offs to loans | -0.0567% | 7,868 |
| Credit loss provision to net charge-offs | 125.0000% | 4,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0142% | 2,296 |
| Assets per employee ($millions) | 3.9297% | 3,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 5,725 |
| Loan loss allowance to noncurrent loans | 84.4068% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.6824% | 5,779 |
| Noncurrent loans to loans | 1.3032% | 4,761 |
| Net loans and leases to total assets | 51.7917% | 6,622 |
| Net loans and leases to deposits | 61.7685% | 6,696 |
| Net loans and leases to core deposits | 86.1011% | 5,857 |
| Total domestic deposits to total assets | 83.8481% | 3,794 |
| Equity capital to assets | 14.9166% | 1,026 |
| Core capital (leverage) ratio | 14.4358% | 971 |
| Tier 1 risk-based capital ratio | 25.1246% | 881 |
| Total risk-based capital ratio | 26.1098% | 891 |
| Memoranda: | ||
| Average total assets | $43,639,750 | 7,011 |
| Average earning assets | $40,487,250 | 6,979 |
| Average equity | $6,348,750 | 6,540 |
| Average total loans | $18,831,500 | 7,332 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7500% | 7,984 |
| Cost of funding earning assets | 1.0263% | 7,499 |
| Net interest margin | 2.7237% | 7,155 |
| Noninterest income to average assets | 0.6579% | 3,284 |
| Noninterest expense to average assets | 2.8919% | 4,526 |
| Loan and lease loss provision to assets | -0.0457% | 8,154 |
| Net operating income to assets | 0.3335% | 4,746 |
| Return on assets (ROA) | 0.3335% | 4,863 |
| Pretax return on assets | 0.3335% | 5,118 |
| Return on Equity (ROE) | 2.3117% | 5,176 |
| Retained earnings to average equity (ytd only) | 2.3117% | 4,052 |
| Net charge-offs to loans | -0.0456% | 7,831 |
| Credit loss provision to net charge-offs | 250.0000% | 1,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9483% | 1,734 |
| Assets per employee ($millions) | 4.0493% | 3,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 4,631 |
| Loan loss allowance to noncurrent loans | 78.3333% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 0.6735% | 5,725 |
| Noncurrent loans to loans | 1.5913% | 4,109 |
| Net loans and leases to total assets | 41.7965% | 7,459 |
| Net loans and leases to deposits | 49.4134% | 7,510 |
| Net loans and leases to core deposits | 67.2604% | 7,158 |
| Total domestic deposits to total assets | 84.5853% | 3,459 |
| Equity capital to assets | 14.2517% | 1,234 |
| Core capital (leverage) ratio | 14.6379% | 991 |
| Tier 1 risk-based capital ratio | 26.7253% | 798 |
| Total risk-based capital ratio | 27.8143% | 788 |
| Memoranda: | ||
| Average total assets | $43,777,330 | 7,062 |
| Average earning assets | $40,533,330 | 7,030 |
| Average equity | $6,315,670 | 6,605 |
| Average total loans | $17,563,000 | 7,458 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6180% | 8,080 |
| Cost of funding earning assets | 1.1033% | 7,513 |
| Net interest margin | 2.5147% | 7,481 |
| Noninterest income to average assets | 0.6268% | 3,367 |
| Noninterest expense to average assets | 2.9865% | 3,828 |
| Loan and lease loss provision to assets | -0.0922% | 8,206 |
| Net operating income to assets | 0.0645% | 6,083 |
| Return on assets (ROA) | 0.0645% | 6,240 |
| Pretax return on assets | 0.0645% | 6,245 |
| Return on Equity (ROE) | 0.4445% | 6,293 |
| Retained earnings to average equity (ytd only) | 0.4445% | 5,480 |
| Net charge-offs to loans | -0.0946% | 7,863 |
| Credit loss provision to net charge-offs | 250.0000% | 1,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9346% | 1,094 |
| Assets per employee ($millions) | 3.6010% | 4,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 2,473 |
| Loan loss allowance to noncurrent loans | 75.8065% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 0.7174% | 5,367 |
| Noncurrent loans to loans | 2.1253% | 3,083 |
| Net loans and leases to total assets | 33.2107% | 7,825 |
| Net loans and leases to deposits | 39.3901% | 7,860 |
| Net loans and leases to core deposits | 49.7936% | 7,799 |
| Total domestic deposits to total assets | 84.3122% | 3,552 |
| Equity capital to assets | 14.5862% | 1,212 |
| Core capital (leverage) ratio | 14.2253% | 1,144 |
| Tier 1 risk-based capital ratio | 29.3446% | 666 |
| Total risk-based capital ratio | 30.5531% | 648 |
| Memoranda: | ||
| Average total assets | $43,395,000 | 7,119 |
| Average earning assets | $40,243,500 | 7,085 |
| Average equity | $6,299,500 | 6,659 |
| Average total loans | $16,918,500 | 7,535 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2640% | 7,636 |
| Cost of funding earning assets | 1.8393% | 6,901 |
| Net interest margin | 3.4247% | 5,560 |
| Noninterest income to average assets | 0.7493% | 2,788 |
| Noninterest expense to average assets | 3.0989% | 3,696 |
| Loan and lease loss provision to assets | 0.0496% | 6,792 |
| Net operating income to assets | 0.6169% | 4,235 |
| Return on assets (ROA) | 0.6169% | 4,090 |
| Pretax return on assets | 0.7564% | 4,227 |
| Return on Equity (ROE) | 4.2622% | 4,708 |
| Retained earnings to average equity (ytd only) | 3.7723% | 2,785 |
| Net charge-offs to loans | 0.1584% | 4,610 |
| Credit loss provision to net charge-offs | 75.0000% | 5,993 |
| Earnings coverage of net charge-offs (x) | 12.1786% | 2,280 |
| Efficiency ratio | 79.3584% | 2,695 |
| Assets per employee ($millions) | 3.3522% | 5,088 |
| Cash dividends to net income (ytd only)* | 11.4943% | 4,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 4,117 |
| Loan loss allowance to noncurrent loans | 106.1674% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.5209% | 5,617 |
| Noncurrent loans to loans | 1.1792% | 4,160 |
| Net loans and leases to total assets | 43.6229% | 7,494 |
| Net loans and leases to deposits | 51.6745% | 7,550 |
| Net loans and leases to core deposits | 64.7700% | 7,414 |
| Total domestic deposits to total assets | 84.4187% | 3,120 |
| Equity capital to assets | 14.4477% | 1,314 |
| Core capital (leverage) ratio | 14.3141% | 1,184 |
| Tier 1 risk-based capital ratio | 25.7385% | 925 |
| Total risk-based capital ratio | 26.7829% | 921 |
| Memoranda: | ||
| Average total assets | $42,305,800 | 7,115 |
| Average earning assets | $38,981,400 | 7,087 |
| Average equity | $6,123,600 | 6,760 |
| Average total loans | $17,675,600 | 7,486 |