Home > The First National Bank of Williamson > Performance and Condition Ratios
The First National Bank of Williamson, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7670% | 2,542 |
| Cost of funding earning assets | 2.0745% | 811 |
| Net interest margin | 2.6925% | 3,831 |
| Noninterest income to average assets | 0.9700% | 666 |
| Noninterest expense to average assets | 3.1870% | 839 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4041% | 3,861 |
| Return on assets (ROA) | 0.4041% | 3,857 |
| Pretax return on assets | 0.4041% | 3,959 |
| Return on Equity (ROE) | 7.1200% | 3,250 |
| Retained earnings to average equity (ytd only) | 0.5200% | 3,953 |
| Net charge-offs to loans | 0.0349% | 1,610 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 17.3846% | 1,975 |
| Efficiency ratio | 88.7478% | 458 |
| Assets per employee ($millions) | 3.8716% | 4,203 |
| Cash dividends to net income (ytd only)* | 92.6991% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 972 |
| Loan loss allowance to noncurrent loans | 829.0780% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 2,614 |
| Noncurrent loans to loans | 0.1849% | 2,588 |
| Net loans and leases to total assets | 64.6500% | 2,407 |
| Net loans and leases to deposits | 69.2949% | 2,931 |
| Net loans and leases to core deposits | 89.4693% | 2,090 |
| Total domestic deposits to total assets | 93.2900% | 152 |
| Equity capital to assets | 5.8391% | 4,261 |
| Core capital (leverage) ratio | 8.1833% | 4,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1630% | 2,189 |
| Memoranda: | ||
| Average total assets | $111,860,000 | 3,728 |
| Average earning assets | $108,893,600 | 3,657 |
| Average equity | $6,346,600 | 4,127 |
| Average total loans | $74,528,600 | 3,486 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7040% | 2,463 |
| Cost of funding earning assets | 1.9091% | 848 |
| Net interest margin | 2.7949% | 3,730 |
| Noninterest income to average assets | 0.9800% | 664 |
| Noninterest expense to average assets | 3.2169% | 799 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4838% | 3,796 |
| Return on assets (ROA) | 0.4838% | 3,800 |
| Pretax return on assets | 0.4838% | 3,932 |
| Return on Equity (ROE) | 8.5900% | 3,036 |
| Retained earnings to average equity (ytd only) | 8.5926% | 1,796 |
| Net charge-offs to loans | -0.4373% | 4,615 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 86.9268% | 480 |
| Assets per employee ($millions) | 3.5034% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8782% | 497 |
| Loan loss allowance to noncurrent loans | 438.4146% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.3407% | 1,665 |
| Noncurrent loans to loans | 0.4284% | 1,758 |
| Net loans and leases to total assets | 67.0100% | 2,163 |
| Net loans and leases to deposits | 74.1343% | 2,552 |
| Net loans and leases to core deposits | 93.0409% | 1,730 |
| Total domestic deposits to total assets | 90.3900% | 844 |
| Equity capital to assets | 5.5740% | 4,116 |
| Core capital (leverage) ratio | 8.7136% | 4,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6372% | 2,033 |
| Memoranda: | ||
| Average total assets | $110,787,750 | 3,750 |
| Average earning assets | $107,763,750 | 3,678 |
| Average equity | $6,237,750 | 4,145 |
| Average total loans | $74,096,500 | 3,498 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6205% | 2,376 |
| Cost of funding earning assets | 1.7748% | 776 |
| Net interest margin | 2.8457% | 3,739 |
| Noninterest income to average assets | 1.0000% | 566 |
| Noninterest expense to average assets | 3.1827% | 809 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5909% | 3,597 |
| Return on assets (ROA) | 0.5909% | 3,606 |
| Pretax return on assets | 0.5909% | 3,821 |
| Return on Equity (ROE) | 10.4600% | 2,571 |
| Retained earnings to average equity (ytd only) | 10.4588% | 1,290 |
| Net charge-offs to loans | -0.6906% | 4,645 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.3420% | 579 |
| Assets per employee ($millions) | 3.5447% | 4,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9375% | 466 |
| Loan loss allowance to noncurrent loans | 663.7615% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.2072% | 2,157 |
| Noncurrent loans to loans | 0.2919% | 2,089 |
| Net loans and leases to total assets | 64.5700% | 2,326 |
| Net loans and leases to deposits | 71.2007% | 2,700 |
| Net loans and leases to core deposits | 89.8481% | 1,807 |
| Total domestic deposits to total assets | 90.6800% | 734 |
| Equity capital to assets | 5.7462% | 4,217 |
| Core capital (leverage) ratio | 8.4951% | 4,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7073% | 2,019 |
| Memoranda: | ||
| Average total assets | $110,347,000 | 3,766 |
| Average earning assets | $107,390,667 | 3,690 |
| Average equity | $6,234,000 | 4,163 |
| Average total loans | $73,274,667 | 3,516 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5345% | 2,238 |
| Cost of funding earning assets | 1.5216% | 807 |
| Net interest margin | 3.0130% | 3,569 |
| Noninterest income to average assets | 1.0100% | 565 |
| Noninterest expense to average assets | 3.1616% | 843 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7794% | 3,259 |
| Return on assets (ROA) | 0.7794% | 3,216 |
| Pretax return on assets | 0.7794% | 3,512 |
| Return on Equity (ROE) | 13.9200% | 1,793 |
| Retained earnings to average equity (ytd only) | 13.9199% | 953 |
| Net charge-offs to loans | -1.4662% | 4,686 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.2239% | 811 |
| Assets per employee ($millions) | 3.5402% | 4,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9625% | 475 |
| Loan loss allowance to noncurrent loans | 577.4704% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 1,961 |
| Noncurrent loans to loans | 0.3398% | 1,929 |
| Net loans and leases to total assets | 66.5000% | 2,009 |
| Net loans and leases to deposits | 79.2093% | 1,878 |
| Net loans and leases to core deposits | 93.1656% | 1,443 |
| Total domestic deposits to total assets | 83.9600% | 3,103 |
| Equity capital to assets | 5.8991% | 4,240 |
| Core capital (leverage) ratio | 8.8229% | 3,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7368% | 2,073 |
| Memoranda: | ||
| Average total assets | $108,805,000 | 3,832 |
| Average earning assets | $105,942,500 | 3,761 |
| Average equity | $6,092,000 | 4,233 |
| Average total loans | $72,570,000 | 3,562 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1113% | 1,453 |
| Cost of funding earning assets | 0.5627% | 1,052 |
| Net interest margin | 3.5486% | 1,784 |
| Noninterest income to average assets | 0.9700% | 682 |
| Noninterest expense to average assets | 3.1534% | 775 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.1810% | 1,858 |
| Return on assets (ROA) | 1.1810% | 1,786 |
| Pretax return on assets | 1.1810% | 2,504 |
| Return on Equity (ROE) | 17.9200% | 714 |
| Retained earnings to average equity (ytd only) | 3.3106% | 3,625 |
| Net charge-offs to loans | 0.1180% | 644 |
| Credit loss provision to net charge-offs | 125.0000% | 1,433 |
| Earnings coverage of net charge-offs (x) | 17.0125% | 1,967 |
| Efficiency ratio | 71.2140% | 1,541 |
| Assets per employee ($millions) | 3.5955% | 4,417 |
| Cash dividends to net income (ytd only)* | 81.5226% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6904% | 816 |
| Loan loss allowance to noncurrent loans | 104.5494% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 1.0597% | 401 |
| Noncurrent loans to loans | 1.6168% | 394 |
| Net loans and leases to total assets | 64.4300% | 2,202 |
| Net loans and leases to deposits | 77.1508% | 2,023 |
| Net loans and leases to core deposits | 87.6716% | 1,632 |
| Total domestic deposits to total assets | 83.5100% | 3,309 |
| Equity capital to assets | 5.2937% | 4,290 |
| Core capital (leverage) ratio | 8.8922% | 3,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8460% | 2,032 |
| Memoranda: | ||
| Average total assets | $106,774,600 | 3,870 |
| Average earning assets | $103,957,200 | 3,797 |
| Average equity | $7,038,000 | 4,209 |
| Average total loans | $67,784,200 | 3,615 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0263% | 1,215 |
| Cost of funding earning assets | 0.4812% | 835 |
| Net interest margin | 3.5450% | 1,535 |
| Noninterest income to average assets | 0.9700% | 714 |
| Noninterest expense to average assets | 3.1260% | 750 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.1680% | 1,824 |
| Return on assets (ROA) | 1.1680% | 1,798 |
| Pretax return on assets | 1.1680% | 2,498 |
| Return on Equity (ROE) | 16.8800% | 819 |
| Retained earnings to average equity (ytd only) | 16.8788% | 217 |
| Net charge-offs to loans | 0.0935% | 661 |
| Credit loss provision to net charge-offs | 212.7660% | 949 |
| Earnings coverage of net charge-offs (x) | 21.9787% | 1,678 |
| Efficiency ratio | 70.7365% | 1,679 |
| Assets per employee ($millions) | 3.4510% | 4,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7878% | 748 |
| Loan loss allowance to noncurrent loans | 254.5643% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.5158% | 1,059 |
| Noncurrent loans to loans | 0.7023% | 1,165 |
| Net loans and leases to total assets | 65.1100% | 1,974 |
| Net loans and leases to deposits | 74.5301% | 2,002 |
| Net loans and leases to core deposits | 82.7624% | 1,722 |
| Total domestic deposits to total assets | 87.3600% | 2,638 |
| Equity capital to assets | 6.2127% | 3,879 |
| Core capital (leverage) ratio | 9.7578% | 2,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1737% | 1,656 |
| Memoranda: | ||
| Average total assets | $106,502,000 | 3,890 |
| Average earning assets | $103,616,500 | 3,823 |
| Average equity | $7,370,000 | 4,206 |
| Average total loans | $67,056,750 | 3,645 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8815% | 1,143 |
| Cost of funding earning assets | 0.4890% | 547 |
| Net interest margin | 3.3925% | 1,627 |
| Noninterest income to average assets | 1.0550% | 598 |
| Noninterest expense to average assets | 3.2132% | 615 |
| Loan and lease loss provision to assets | 0.1861% | 469 |
| Net operating income to assets | 0.9601% | 2,313 |
| Return on assets (ROA) | 0.9601% | 2,289 |
| Pretax return on assets | 0.9601% | 2,868 |
| Return on Equity (ROE) | 13.4328% | 1,259 |
| Retained earnings to average equity (ytd only) | 13.4328% | 417 |
| Net charge-offs to loans | 0.1172% | 525 |
| Credit loss provision to net charge-offs | 256.4103% | 863 |
| Earnings coverage of net charge-offs (x) | 15.7949% | 1,633 |
| Efficiency ratio | 73.7089% | 1,544 |
| Assets per employee ($millions) | 3.5657% | 4,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8934% | 671 |
| Loan loss allowance to noncurrent loans | 353.1429% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.3617% | 1,549 |
| Noncurrent loans to loans | 0.5362% | 1,547 |
| Net loans and leases to total assets | 61.9351% | 2,128 |
| Net loans and leases to deposits | 67.0344% | 2,467 |
| Net loans and leases to core deposits | 73.7571% | 2,192 |
| Total domestic deposits to total assets | 92.3930% | 693 |
| Equity capital to assets | 6.1370% | 4,159 |
| Core capital (leverage) ratio | 9.0977% | 3,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2066% | 1,655 |
| Memoranda: | ||
| Average total assets | $107,492,667 | 3,919 |
| Average earning assets | $104,702,000 | 3,860 |
| Average equity | $7,682,667 | 4,236 |
| Average total loans | $66,531,667 | 3,687 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8252% | 1,044 |
| Cost of funding earning assets | 0.5475% | 382 |
| Net interest margin | 3.2777% | 1,626 |
| Noninterest income to average assets | 0.8801% | 867 |
| Noninterest expense to average assets | 3.2208% | 586 |
| Loan and lease loss provision to assets | 0.2191% | 321 |
| Net operating income to assets | 0.6318% | 3,293 |
| Return on assets (ROA) | 0.6318% | 3,272 |
| Pretax return on assets | 0.6318% | 3,547 |
| Return on Equity (ROE) | 8.2864% | 2,587 |
| Retained earnings to average equity (ytd only) | 8.2864% | 1,490 |
| Net charge-offs to loans | 0.1251% | 445 |
| Credit loss provision to net charge-offs | 285.7143% | 681 |
| Earnings coverage of net charge-offs (x) | 11.0952% | 1,446 |
| Efficiency ratio | 79.1031% | 1,222 |
| Assets per employee ($millions) | 3.5927% | 4,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8443% | 815 |
| Loan loss allowance to noncurrent loans | 454.6816% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 1,675 |
| Noncurrent loans to loans | 0.4056% | 2,044 |
| Net loans and leases to total assets | 59.9456% | 2,075 |
| Net loans and leases to deposits | 65.5786% | 2,369 |
| Net loans and leases to core deposits | 74.4261% | 1,906 |
| Total domestic deposits to total assets | 91.4104% | 850 |
| Equity capital to assets | 7.1515% | 4,126 |
| Core capital (leverage) ratio | 8.3540% | 4,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5690% | 1,963 |
| Memoranda: | ||
| Average total assets | $109,536,500 | 3,921 |
| Average earning assets | $106,660,500 | 3,852 |
| Average equity | $8,351,000 | 4,232 |
| Average total loans | $67,157,500 | 3,675 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8392% | 1,771 |
| Cost of funding earning assets | 0.6627% | 393 |
| Net interest margin | 3.1765% | 2,665 |
| Noninterest income to average assets | 1.2224% | 710 |
| Noninterest expense to average assets | 3.1754% | 753 |
| Loan and lease loss provision to assets | 0.9980% | 34 |
| Net operating income to assets | 0.1361% | 4,591 |
| Return on assets (ROA) | 0.1361% | 4,603 |
| Pretax return on assets | 0.1361% | 4,615 |
| Return on Equity (ROE) | 1.6112% | 4,544 |
| Retained earnings to average equity (ytd only) | 1.6112% | 4,089 |
| Net charge-offs to loans | 1.3661% | 42 |
| Credit loss provision to net charge-offs | 109.5876% | 1,708 |
| Earnings coverage of net charge-offs (x) | 1.2454% | 2,623 |
| Efficiency ratio | 73.6819% | 1,341 |
| Assets per employee ($millions) | 3.8377% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7141% | 1,019 |
| Loan loss allowance to noncurrent loans | 152.6658% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.7656% | 797 |
| Noncurrent loans to loans | 1.1228% | 861 |
| Net loans and leases to total assets | 60.4868% | 2,113 |
| Net loans and leases to deposits | 66.9355% | 2,415 |
| Net loans and leases to core deposits | 77.4881% | 1,804 |
| Total domestic deposits to total assets | 90.3659% | 777 |
| Equity capital to assets | 8.0814% | 4,318 |
| Core capital (leverage) ratio | 8.1744% | 4,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8638% | 2,292 |
| Memoranda: | ||
| Average total assets | $106,507,800 | 3,927 |
| Average earning assets | $103,511,400 | 3,869 |
| Average equity | $8,999,400 | 4,243 |
| Average total loans | $71,007,400 | 3,625 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8448% | 1,928 |
| Cost of funding earning assets | 0.6991% | 386 |
| Net interest margin | 3.1457% | 2,917 |
| Noninterest income to average assets | 1.2736% | 720 |
| Noninterest expense to average assets | 3.2386% | 670 |
| Loan and lease loss provision to assets | 1.2696% | 19 |
| Net operating income to assets | -0.1810% | 4,793 |
| Return on assets (ROA) | -0.1810% | 4,797 |
| Pretax return on assets | -0.1810% | 4,794 |
| Return on Equity (ROE) | -2.1183% | 4,805 |
| Retained earnings to average equity (ytd only) | -2.1183% | 4,705 |
| Net charge-offs to loans | 1.7923% | 31 |
| Credit loss provision to net charge-offs | 104.1537% | 1,554 |
| Earnings coverage of net charge-offs (x) | 0.8930% | 2,392 |
| Efficiency ratio | 74.8391% | 1,144 |
| Assets per employee ($millions) | 3.6266% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6340% | 1,255 |
| Loan loss allowance to noncurrent loans | 274.3276% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.4871% | 1,564 |
| Noncurrent loans to loans | 0.5957% | 1,823 |
| Net loans and leases to total assets | 62.0802% | 1,996 |
| Net loans and leases to deposits | 68.8754% | 2,347 |
| Net loans and leases to core deposits | 79.8048% | 1,753 |
| Total domestic deposits to total assets | 90.1340% | 714 |
| Equity capital to assets | 8.3136% | 4,332 |
| Core capital (leverage) ratio | 8.0972% | 4,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5044% | 2,544 |
| Memoranda: | ||
| Average total assets | $105,311,750 | 3,992 |
| Average earning assets | $102,231,250 | 3,928 |
| Average equity | $9,000,750 | 4,303 |
| Average total loans | $71,636,500 | 3,672 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7826% | 2,115 |
| Cost of funding earning assets | 0.7581% | 355 |
| Net interest margin | 3.0245% | 3,261 |
| Noninterest income to average assets | 1.6035% | 484 |
| Noninterest expense to average assets | 3.3452% | 582 |
| Loan and lease loss provision to assets | 1.8109% | 10 |
| Net operating income to assets | -0.6183% | 4,878 |
| Return on assets (ROA) | -0.6183% | 4,884 |
| Pretax return on assets | -0.6183% | 4,877 |
| Return on Equity (ROE) | -7.1667% | 4,894 |
| Retained earnings to average equity (ytd only) | -7.1667% | 4,831 |
| Net charge-offs to loans | 2.5913% | 21 |
| Credit loss provision to net charge-offs | 100.2125% | 1,359 |
| Earnings coverage of net charge-offs (x) | 0.6599% | 2,183 |
| Efficiency ratio | 73.7198% | 1,266 |
| Assets per employee ($millions) | 3.5416% | 4,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5256% | 1,508 |
| Loan loss allowance to noncurrent loans | 180.2326% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.6503% | 1,282 |
| Noncurrent loans to loans | 0.8465% | 1,455 |
| Net loans and leases to total assets | 63.7905% | 1,973 |
| Net loans and leases to deposits | 70.5578% | 2,353 |
| Net loans and leases to core deposits | 81.1097% | 1,785 |
| Total domestic deposits to total assets | 90.4089% | 598 |
| Equity capital to assets | 8.0673% | 4,491 |
| Core capital (leverage) ratio | 7.9602% | 4,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1464% | 1,581 |
| Memoranda: | ||
| Average total assets | $104,149,667 | 4,026 |
| Average earning assets | $101,041,000 | 3,963 |
| Average equity | $8,986,000 | 4,326 |
| Average total loans | $72,627,333 | 3,676 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6366% | 2,530 |
| Cost of funding earning assets | 0.8430% | 291 |
| Net interest margin | 2.7937% | 3,780 |
| Noninterest income to average assets | 1.0816% | 1,007 |
| Noninterest expense to average assets | 3.3751% | 541 |
| Loan and lease loss provision to assets | 0.2645% | 375 |
| Net operating income to assets | 0.1500% | 4,672 |
| Return on assets (ROA) | 0.1500% | 4,690 |
| Pretax return on assets | 0.1500% | 4,703 |
| Return on Equity (ROE) | 1.6795% | 4,641 |
| Retained earnings to average equity (ytd only) | 1.6795% | 4,076 |
| Net charge-offs to loans | 0.0109% | 1,539 |
| Credit loss provision to net charge-offs | 3,350.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 52.5000% | 875 |
| Efficiency ratio | 89.0625% | 409 |
| Assets per employee ($millions) | 3.3238% | 4,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5471% | 1,435 |
| Loan loss allowance to noncurrent loans | 88.9233% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.3191% | 529 |
| Noncurrent loans to loans | 1.7398% | 686 |
| Net loans and leases to total assets | 68.6852% | 1,448 |
| Net loans and leases to deposits | 76.3638% | 1,867 |
| Net loans and leases to core deposits | 88.5569% | 1,324 |
| Total domestic deposits to total assets | 89.9447% | 844 |
| Equity capital to assets | 8.4993% | 4,118 |
| Core capital (leverage) ratio | 8.9635% | 3,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2941% | 1,478 |
| Memoranda: | ||
| Average total assets | $101,330,000 | 4,057 |
| Average earning assets | $98,222,500 | 3,999 |
| Average equity | $9,050,500 | 4,328 |
| Average total loans | $73,381,000 | 3,678 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6916% | 907 |
| Cost of funding earning assets | 1.0501% | 495 |
| Net interest margin | 3.6414% | 2,008 |
| Noninterest income to average assets | 0.9018% | 1,262 |
| Noninterest expense to average assets | 3.6524% | 563 |
| Loan and lease loss provision to assets | 0.2638% | 1,466 |
| Net operating income to assets | 0.5060% | 4,016 |
| Return on assets (ROA) | 0.5060% | 4,099 |
| Pretax return on assets | 0.5060% | 4,258 |
| Return on Equity (ROE) | 5.0669% | 3,887 |
| Retained earnings to average equity (ytd only) | -2.1004% | 4,711 |
| Net charge-offs to loans | 0.0377% | 2,301 |
| Credit loss provision to net charge-offs | 903.7037% | 830 |
| Earnings coverage of net charge-offs (x) | 26.3704% | 1,721 |
| Efficiency ratio | 82.5917% | 712 |
| Assets per employee ($millions) | 2.9181% | 4,829 |
| Cash dividends to net income (ytd only)* | 141.4530% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4926% | 1,607 |
| Loan loss allowance to noncurrent loans | 72.0080% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.7010% | 387 |
| Noncurrent loans to loans | 2.0728% | 539 |
| Net loans and leases to total assets | 74.2238% | 994 |
| Net loans and leases to deposits | 83.8212% | 1,479 |
| Net loans and leases to core deposits | 95.4706% | 1,151 |
| Total domestic deposits to total assets | 88.5501% | 1,192 |
| Equity capital to assets | 9.6866% | 3,424 |
| Core capital (leverage) ratio | 9.3277% | 3,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8686% | 1,293 |
| Memoranda: | ||
| Average total assets | $92,486,200 | 4,092 |
| Average earning assets | $89,416,000 | 4,039 |
| Average equity | $9,236,400 | 4,281 |
| Average total loans | $71,598,200 | 3,695 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6947% | 1,081 |
| Cost of funding earning assets | 1.0734% | 589 |
| Net interest margin | 3.6212% | 2,192 |
| Noninterest income to average assets | 0.9541% | 1,115 |
| Noninterest expense to average assets | 3.6518% | 580 |
| Loan and lease loss provision to assets | 0.2655% | 1,533 |
| Net operating income to assets | 0.5360% | 3,941 |
| Return on assets (ROA) | 0.5360% | 4,031 |
| Pretax return on assets | 0.5360% | 4,214 |
| Return on Equity (ROE) | 5.3254% | 3,783 |
| Retained earnings to average equity (ytd only) | 5.3254% | 2,418 |
| Net charge-offs to loans | 0.0374% | 2,095 |
| Credit loss provision to net charge-offs | 910.0000% | 891 |
| Earnings coverage of net charge-offs (x) | 27.5000% | 1,661 |
| Efficiency ratio | 82.0085% | 732 |
| Assets per employee ($millions) | 2.7375% | 4,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 1,706 |
| Loan loss allowance to noncurrent loans | 84.4572% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.4505% | 603 |
| Noncurrent loans to loans | 1.6671% | 829 |
| Net loans and leases to total assets | 77.2665% | 929 |
| Net loans and leases to deposits | 87.7783% | 1,508 |
| Net loans and leases to core deposits | 101.3173% | 1,072 |
| Total domestic deposits to total assets | 88.0246% | 1,209 |
| Equity capital to assets | 10.1779% | 3,085 |
| Core capital (leverage) ratio | 9.7757% | 2,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2766% | 1,192 |
| Memoranda: | ||
| Average total assets | $91,533,250 | 4,107 |
| Average earning assets | $88,438,750 | 4,050 |
| Average equity | $9,213,500 | 4,301 |
| Average total loans | $71,358,000 | 3,718 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6716% | 1,470 |
| Cost of funding earning assets | 1.0786% | 764 |
| Net interest margin | 3.5930% | 2,507 |
| Noninterest income to average assets | 1.0613% | 881 |
| Noninterest expense to average assets | 3.7508% | 535 |
| Loan and lease loss provision to assets | 0.2681% | 1,596 |
| Net operating income to assets | 0.5120% | 3,982 |
| Return on assets (ROA) | 0.5120% | 4,063 |
| Pretax return on assets | 0.5120% | 4,230 |
| Return on Equity (ROE) | 5.1057% | 3,806 |
| Retained earnings to average equity (ytd only) | 5.1057% | 2,424 |
| Net charge-offs to loans | 0.0452% | 1,846 |
| Credit loss provision to net charge-offs | 762.5000% | 942 |
| Earnings coverage of net charge-offs (x) | 22.1875% | 1,635 |
| Efficiency ratio | 82.7837% | 710 |
| Assets per employee ($millions) | 2.6753% | 4,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 1,926 |
| Loan loss allowance to noncurrent loans | 425.8772% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.3935% | 2,717 |
| Noncurrent loans to loans | 0.3088% | 3,278 |
| Net loans and leases to total assets | 75.6572% | 1,191 |
| Net loans and leases to deposits | 84.4238% | 1,952 |
| Net loans and leases to core deposits | 97.9487% | 1,414 |
| Total domestic deposits to total assets | 89.6160% | 523 |
| Equity capital to assets | 9.5969% | 3,564 |
| Core capital (leverage) ratio | 9.5315% | 3,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9215% | 1,261 |
| Memoranda: | ||
| Average total assets | $91,019,667 | 4,113 |
| Average earning assets | $87,893,667 | 4,054 |
| Average equity | $9,127,000 | 4,327 |
| Average total loans | $70,830,000 | 3,735 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1914% | 670 |
| Cost of funding earning assets | 1.0880% | 1,083 |
| Net interest margin | 4.1034% | 1,128 |
| Noninterest income to average assets | 0.7966% | 1,326 |
| Noninterest expense to average assets | 3.8111% | 614 |
| Loan and lease loss provision to assets | 0.2852% | 1,095 |
| Net operating income to assets | 0.6608% | 3,405 |
| Return on assets (ROA) | 0.6608% | 3,468 |
| Pretax return on assets | 0.6608% | 3,791 |
| Return on Equity (ROE) | 6.4395% | 3,151 |
| Retained earnings to average equity (ytd only) | 6.4395% | 1,732 |
| Net charge-offs to loans | 0.0058% | 2,364 |
| Credit loss provision to net charge-offs | 6,300.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 209.0000% | 334 |
| Efficiency ratio | 80.1142% | 1,126 |
| Assets per employee ($millions) | 2.4835% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 2,006 |
| Loan loss allowance to noncurrent loans | 343.3333% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.5760% | 2,275 |
| Noncurrent loans to loans | 0.3870% | 3,103 |
| Net loans and leases to total assets | 76.9890% | 1,135 |
| Net loans and leases to deposits | 86.5713% | 1,923 |
| Net loans and leases to core deposits | 100.4905% | 1,434 |
| Total domestic deposits to total assets | 88.9313% | 693 |
| Equity capital to assets | 10.2634% | 3,545 |
| Core capital (leverage) ratio | 10.1268% | 3,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2039% | 1,111 |
| Memoranda: | ||
| Average total assets | $88,373,500 | 4,151 |
| Average earning assets | $85,295,000 | 4,088 |
| Average equity | $9,069,000 | 4,360 |
| Average total loans | $69,326,000 | 3,775 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2527% | 903 |
| Cost of funding earning assets | 0.9201% | 2,114 |
| Net interest margin | 4.3326% | 1,029 |
| Noninterest income to average assets | 1.5211% | 402 |
| Noninterest expense to average assets | 4.6516% | 267 |
| Loan and lease loss provision to assets | 0.3677% | 407 |
| Net operating income to assets | 0.6734% | 3,944 |
| Return on assets (ROA) | 0.6734% | 4,013 |
| Pretax return on assets | 0.6734% | 4,276 |
| Return on Equity (ROE) | 6.4597% | 3,755 |
| Retained earnings to average equity (ytd only) | 3.4131% | 3,305 |
| Net charge-offs to loans | 0.2672% | 779 |
| Credit loss provision to net charge-offs | 192.5000% | 1,376 |
| Earnings coverage of net charge-offs (x) | 5.4500% | 3,083 |
| Efficiency ratio | 81.7114% | 814 |
| Assets per employee ($millions) | 2.4262% | 5,021 |
| Cash dividends to net income (ytd only)* | 47.1631% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,138 |
| Loan loss allowance to noncurrent loans | 204.0094% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.7476% | 1,735 |
| Noncurrent loans to loans | 0.6154% | 2,348 |
| Net loans and leases to total assets | 77.8869% | 1,098 |
| Net loans and leases to deposits | 87.8030% | 1,879 |
| Net loans and leases to core deposits | 102.2885% | 1,385 |
| Total domestic deposits to total assets | 88.7065% | 789 |
| Equity capital to assets | 10.2608% | 3,664 |
| Core capital (leverage) ratio | 10.2011% | 3,297 |
| Tier 1 risk-based capital ratio | 16.7303% | 2,143 |
| Total risk-based capital ratio | 17.9847% | 2,076 |
| Memoranda: | ||
| Average total assets | $83,755,800 | 4,232 |
| Average earning assets | $80,643,600 | 4,175 |
| Average equity | $8,731,000 | 4,418 |
| Average total loans | $59,891,200 | 3,985 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2706% | 918 |
| Cost of funding earning assets | 0.8603% | 2,410 |
| Net interest margin | 4.4103% | 927 |
| Noninterest income to average assets | 1.7636% | 320 |
| Noninterest expense to average assets | 4.8145% | 234 |
| Loan and lease loss provision to assets | 0.3894% | 335 |
| Net operating income to assets | 0.7997% | 3,673 |
| Return on assets (ROA) | 0.7997% | 3,747 |
| Pretax return on assets | 0.7997% | 4,119 |
| Return on Equity (ROE) | 7.6402% | 3,458 |
| Retained earnings to average equity (ytd only) | 7.6402% | 1,564 |
| Net charge-offs to loans | 0.3400% | 500 |
| Credit loss provision to net charge-offs | 164.6259% | 1,525 |
| Earnings coverage of net charge-offs (x) | 5.0271% | 2,963 |
| Efficiency ratio | 80.1930% | 911 |
| Assets per employee ($millions) | 2.5060% | 5,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 1,837 |
| Loan loss allowance to noncurrent loans | 374.1935% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.6256% | 2,127 |
| Noncurrent loans to loans | 0.3555% | 3,265 |
| Net loans and leases to total assets | 70.6895% | 2,376 |
| Net loans and leases to deposits | 79.7234% | 2,929 |
| Net loans and leases to core deposits | 93.4104% | 2,234 |
| Total domestic deposits to total assets | 88.6685% | 760 |
| Equity capital to assets | 10.7071% | 3,375 |
| Core capital (leverage) ratio | 10.5365% | 3,077 |
| Tier 1 risk-based capital ratio | 20.0469% | 1,353 |
| Total risk-based capital ratio | 21.3044% | 1,323 |
| Memoranda: | ||
| Average total assets | $82,859,250 | 4,297 |
| Average earning assets | $79,660,750 | 4,245 |
| Average equity | $8,673,250 | 4,469 |
| Average total loans | $57,640,750 | 4,067 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2814% | 843 |
| Cost of funding earning assets | 0.7356% | 2,971 |
| Net interest margin | 4.5457% | 694 |
| Noninterest income to average assets | 2.2540% | 222 |
| Noninterest expense to average assets | 4.2180% | 400 |
| Loan and lease loss provision to assets | 0.2948% | 471 |
| Net operating income to assets | 2.1078% | 320 |
| Return on assets (ROA) | 2.1078% | 331 |
| Pretax return on assets | 2.1078% | 541 |
| Return on Equity (ROE) | 20.2972% | 238 |
| Retained earnings to average equity (ytd only) | 20.2972% | 56 |
| Net charge-offs to loans | 0.2832% | 596 |
| Credit loss provision to net charge-offs | 151.2500% | 1,479 |
| Earnings coverage of net charge-offs (x) | 12.3250% | 2,159 |
| Efficiency ratio | 63.7100% | 3,175 |
| Assets per employee ($millions) | 2.3962% | 5,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3073% | 1,984 |
| Loan loss allowance to noncurrent loans | 146.3320% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.9274% | 1,499 |
| Noncurrent loans to loans | 0.8934% | 1,830 |
| Net loans and leases to total assets | 66.3374% | 3,062 |
| Net loans and leases to deposits | 74.7196% | 3,456 |
| Net loans and leases to core deposits | 87.2729% | 2,868 |
| Total domestic deposits to total assets | 88.7819% | 752 |
| Equity capital to assets | 10.5562% | 3,470 |
| Core capital (leverage) ratio | 10.7457% | 2,844 |
| Tier 1 risk-based capital ratio | 20.7449% | 1,208 |
| Total risk-based capital ratio | 22.0032% | 1,187 |
| Memoranda: | ||
| Average total assets | $82,077,330 | 4,345 |
| Average earning assets | $78,843,330 | 4,285 |
| Average equity | $8,523,330 | 4,513 |
| Average total loans | $56,506,670 | 4,116 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2669% | 806 |
| Cost of funding earning assets | 0.5731% | 3,713 |
| Net interest margin | 4.6939% | 503 |
| Noninterest income to average assets | 0.8102% | 1,271 |
| Noninterest expense to average assets | 4.2058% | 401 |
| Loan and lease loss provision to assets | 0.3651% | 322 |
| Net operating income to assets | 0.7451% | 3,786 |
| Return on assets (ROA) | 0.7451% | 3,835 |
| Pretax return on assets | 0.7451% | 4,186 |
| Return on Equity (ROE) | 7.2400% | 3,577 |
| Retained earnings to average equity (ytd only) | 7.2400% | 1,954 |
| Net charge-offs to loans | 0.4088% | 375 |
| Credit loss provision to net charge-offs | 128.0702% | 1,366 |
| Earnings coverage of net charge-offs (x) | 3.8947% | 2,365 |
| Efficiency ratio | 79.1157% | 1,146 |
| Assets per employee ($millions) | 2.2444% | 5,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 2,069 |
| Loan loss allowance to noncurrent loans | 119.1870% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 1.0990% | 1,259 |
| Noncurrent loans to loans | 1.0956% | 1,518 |
| Net loans and leases to total assets | 68.5673% | 2,686 |
| Net loans and leases to deposits | 78.9784% | 2,952 |
| Net loans and leases to core deposits | 90.0946% | 2,490 |
| Total domestic deposits to total assets | 86.8177% | 1,902 |
| Equity capital to assets | 10.2874% | 3,535 |
| Core capital (leverage) ratio | 10.5875% | 2,957 |
| Tier 1 risk-based capital ratio | 19.8603% | 1,362 |
| Total risk-based capital ratio | 21.1162% | 1,338 |
| Memoranda: | ||
| Average total assets | $79,985,000 | 4,415 |
| Average earning assets | $76,781,000 | 4,359 |
| Average equity | $8,232,000 | 4,585 |
| Average total loans | $55,769,000 | 4,173 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9908% | 1,065 |
| Cost of funding earning assets | 0.4463% | 3,706 |
| Net interest margin | 4.5444% | 701 |
| Noninterest income to average assets | 0.7835% | 1,508 |
| Noninterest expense to average assets | 4.1661% | 422 |
| Loan and lease loss provision to assets | 0.1879% | 1,025 |
| Net operating income to assets | 0.7959% | 3,819 |
| Return on assets (ROA) | 0.7959% | 3,824 |
| Pretax return on assets | 0.7959% | 4,180 |
| Return on Equity (ROE) | 6.2059% | 4,106 |
| Retained earnings to average equity (ytd only) | -23.1469% | 5,380 |
| Net charge-offs to loans | 0.3126% | 622 |
| Credit loss provision to net charge-offs | 95.0000% | 2,636 |
| Earnings coverage of net charge-offs (x) | 4.9750% | 3,239 |
| Efficiency ratio | 80.8975% | 882 |
| Assets per employee ($millions) | 2.1992% | 5,283 |
| Cash dividends to net income (ytd only)* | 472.9814% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 2,064 |
| Loan loss allowance to noncurrent loans | 141.6996% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 1.0420% | 1,308 |
| Noncurrent loans to loans | 0.9133% | 1,756 |
| Net loans and leases to total assets | 69.0737% | 2,719 |
| Net loans and leases to deposits | 77.4329% | 3,235 |
| Net loans and leases to core deposits | 84.7782% | 3,018 |
| Total domestic deposits to total assets | 89.2045% | 774 |
| Equity capital to assets | 10.2966% | 3,377 |
| Core capital (leverage) ratio | 10.1679% | 3,387 |
| Tier 1 risk-based capital ratio | 19.5067% | 1,401 |
| Total risk-based capital ratio | 20.7628% | 1,371 |
| Memoranda: | ||
| Average total assets | $80,914,800 | 4,418 |
| Average earning assets | $77,743,400 | 4,355 |
| Average equity | $10,377,200 | 4,251 |
| Average total loans | $51,187,200 | 4,295 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8970% | 1,163 |
| Cost of funding earning assets | 0.4182% | 3,735 |
| Net interest margin | 4.4788% | 774 |
| Noninterest income to average assets | 0.7326% | 1,740 |
| Noninterest expense to average assets | 4.1466% | 424 |
| Loan and lease loss provision to assets | 0.1918% | 924 |
| Net operating income to assets | 0.6949% | 4,236 |
| Return on assets (ROA) | 0.6949% | 4,246 |
| Pretax return on assets | 0.6949% | 4,546 |
| Return on Equity (ROE) | 5.1705% | 4,508 |
| Retained earnings to average equity (ytd only) | 5.1705% | 3,139 |
| Net charge-offs to loans | 0.3032% | 547 |
| Credit loss provision to net charge-offs | 102.6316% | 2,221 |
| Earnings coverage of net charge-offs (x) | 4.7455% | 3,023 |
| Efficiency ratio | 82.3836% | 749 |
| Assets per employee ($millions) | 2.1589% | 5,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4133% | 1,650 |
| Loan loss allowance to noncurrent loans | 121.9430% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 1.0954% | 1,313 |
| Noncurrent loans to loans | 1.1590% | 1,457 |
| Net loans and leases to total assets | 63.5741% | 3,477 |
| Net loans and leases to deposits | 75.0928% | 3,495 |
| Net loans and leases to core deposits | 82.4105% | 3,296 |
| Total domestic deposits to total assets | 84.6607% | 2,732 |
| Equity capital to assets | 13.6730% | 1,066 |
| Core capital (leverage) ratio | 13.6771% | 1,038 |
| Tier 1 risk-based capital ratio | 27.0099% | 627 |
| Total risk-based capital ratio | 28.2671% | 619 |
| Memoranda: | ||
| Average total assets | $81,350,500 | 4,455 |
| Average earning assets | $78,114,000 | 4,393 |
| Average equity | $10,933,500 | 4,205 |
| Average total loans | $50,133,000 | 4,360 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7929% | 1,268 |
| Cost of funding earning assets | 0.4022% | 3,704 |
| Net interest margin | 4.3907% | 868 |
| Noninterest income to average assets | 0.7991% | 1,478 |
| Noninterest expense to average assets | 4.1080% | 469 |
| Loan and lease loss provision to assets | 0.1222% | 1,614 |
| Net operating income to assets | 0.7845% | 3,906 |
| Return on assets (ROA) | 0.7845% | 3,908 |
| Pretax return on assets | 0.7845% | 4,294 |
| Return on Equity (ROE) | 5.8698% | 4,285 |
| Retained earnings to average equity (ytd only) | 5.8698% | 2,627 |
| Net charge-offs to loans | 0.3624% | 435 |
| Credit loss provision to net charge-offs | 55.5556% | 2,458 |
| Earnings coverage of net charge-offs (x) | 4.1222% | 2,819 |
| Efficiency ratio | 81.9201% | 842 |
| Assets per employee ($millions) | 2.3040% | 5,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3575% | 1,910 |
| Loan loss allowance to noncurrent loans | 113.7874% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.0899% | 1,358 |
| Noncurrent loans to loans | 1.1930% | 1,458 |
| Net loans and leases to total assets | 60.0111% | 3,812 |
| Net loans and leases to deposits | 69.8518% | 3,874 |
| Net loans and leases to core deposits | 76.0551% | 3,743 |
| Total domestic deposits to total assets | 85.9120% | 2,324 |
| Equity capital to assets | 13.1813% | 1,233 |
| Core capital (leverage) ratio | 13.2255% | 1,149 |
| Tier 1 risk-based capital ratio | 27.0211% | 605 |
| Total risk-based capital ratio | 28.2783% | 597 |
| Memoranda: | ||
| Average total assets | $81,840,670 | 4,482 |
| Average earning assets | $78,574,670 | 4,430 |
| Average equity | $10,937,330 | 4,237 |
| Average total loans | $49,673,670 | 4,410 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7653% | 1,154 |
| Cost of funding earning assets | 0.4052% | 3,542 |
| Net interest margin | 4.3601% | 834 |
| Noninterest income to average assets | 0.8710% | 1,230 |
| Noninterest expense to average assets | 4.1137% | 457 |
| Loan and lease loss provision to assets | 0.0886% | 2,034 |
| Net operating income to assets | 0.8513% | 3,497 |
| Return on assets (ROA) | 0.8513% | 3,514 |
| Pretax return on assets | 0.8513% | 4,005 |
| Return on Equity (ROE) | 6.3257% | 4,047 |
| Retained earnings to average equity (ytd only) | 6.3257% | 2,576 |
| Net charge-offs to loans | 0.2760% | 560 |
| Credit loss provision to net charge-offs | 52.9412% | 1,927 |
| Earnings coverage of net charge-offs (x) | 5.6176% | 2,220 |
| Efficiency ratio | 81.4021% | 1,011 |
| Assets per employee ($millions) | 2.2704% | 5,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 1,658 |
| Loan loss allowance to noncurrent loans | 113.4400% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 1.3862% | 1,053 |
| Noncurrent loans to loans | 1.2782% | 1,405 |
| Net loans and leases to total assets | 58.9557% | 3,853 |
| Net loans and leases to deposits | 69.2406% | 3,852 |
| Net loans and leases to core deposits | 74.8180% | 3,756 |
| Total domestic deposits to total assets | 85.1461% | 2,885 |
| Equity capital to assets | 13.3393% | 1,097 |
| Core capital (leverage) ratio | 13.3472% | 1,054 |
| Tier 1 risk-based capital ratio | 27.1092% | 613 |
| Total risk-based capital ratio | 28.3650% | 603 |
| Memoranda: | ||
| Average total assets | $81,289,500 | 4,542 |
| Average earning assets | $77,980,000 | 4,490 |
| Average equity | $10,939,500 | 4,278 |
| Average total loans | $49,280,500 | 4,461 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7351% | 1,113 |
| Cost of funding earning assets | 0.3523% | 3,694 |
| Net interest margin | 4.3828% | 806 |
| Noninterest income to average assets | 1.3911% | 544 |
| Noninterest expense to average assets | 4.1697% | 432 |
| Loan and lease loss provision to assets | 0.1392% | 1,646 |
| Net operating income to assets | 1.2783% | 1,279 |
| Return on assets (ROA) | 1.2783% | 1,303 |
| Pretax return on assets | 1.2783% | 2,441 |
| Return on Equity (ROE) | 9.2114% | 2,207 |
| Retained earnings to average equity (ytd only) | -0.3027% | 5,085 |
| Net charge-offs to loans | 0.2365% | 1,098 |
| Credit loss provision to net charge-offs | 99.1453% | 2,622 |
| Earnings coverage of net charge-offs (x) | 10.0940% | 2,714 |
| Efficiency ratio | 74.6294% | 1,803 |
| Assets per employee ($millions) | 2.4498% | 5,475 |
| Cash dividends to net income (ytd only)* | 103.2864% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 1,548 |
| Loan loss allowance to noncurrent loans | 107.8869% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.5672% | 851 |
| Noncurrent loans to loans | 1.3531% | 1,294 |
| Net loans and leases to total assets | 60.5359% | 3,780 |
| Net loans and leases to deposits | 72.4357% | 3,658 |
| Net loans and leases to core deposits | 79.7494% | 3,445 |
| Total domestic deposits to total assets | 83.5719% | 3,367 |
| Equity capital to assets | 13.5769% | 1,032 |
| Core capital (leverage) ratio | 12.9602% | 1,157 |
| Tier 1 risk-based capital ratio | 26.2788% | 644 |
| Total risk-based capital ratio | 27.5359% | 634 |
| Memoranda: | ||
| Average total assets | $83,315,400 | 4,524 |
| Average earning assets | $79,766,600 | 4,469 |
| Average equity | $11,561,800 | 4,215 |
| Average total loans | $49,462,200 | 4,473 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7066% | 1,119 |
| Cost of funding earning assets | 0.3419% | 3,750 |
| Net interest margin | 4.3647% | 793 |
| Noninterest income to average assets | 1.5536% | 452 |
| Noninterest expense to average assets | 3.8156% | 658 |
| Loan and lease loss provision to assets | 0.1779% | 1,128 |
| Net operating income to assets | 1.7378% | 543 |
| Return on assets (ROA) | 1.7378% | 553 |
| Pretax return on assets | 1.7378% | 1,027 |
| Return on Equity (ROE) | 12.4581% | 1,198 |
| Retained earnings to average equity (ytd only) | 12.4581% | 263 |
| Net charge-offs to loans | 0.2914% | 732 |
| Credit loss provision to net charge-offs | 103.7037% | 2,222 |
| Earnings coverage of net charge-offs (x) | 11.1664% | 2,520 |
| Efficiency ratio | 66.5743% | 3,111 |
| Assets per employee ($millions) | 2.5614% | 5,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4752% | 1,621 |
| Loan loss allowance to noncurrent loans | 115.8730% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 1.4348% | 1,071 |
| Noncurrent loans to loans | 1.2731% | 1,507 |
| Net loans and leases to total assets | 59.4839% | 3,922 |
| Net loans and leases to deposits | 71.0936% | 3,861 |
| Net loans and leases to core deposits | 78.6907% | 3,571 |
| Total domestic deposits to total assets | 83.6699% | 3,238 |
| Equity capital to assets | 14.7709% | 790 |
| Core capital (leverage) ratio | 13.9953% | 890 |
| Tier 1 risk-based capital ratio | 28.6516% | 534 |
| Total risk-based capital ratio | 29.9093% | 527 |
| Memoranda: | ||
| Average total assets | $83,933,500 | 4,559 |
| Average earning assets | $80,338,750 | 4,503 |
| Average equity | $11,708,250 | 4,231 |
| Average total loans | $49,411,750 | 4,516 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6512% | 1,157 |
| Cost of funding earning assets | 0.3435% | 3,647 |
| Net interest margin | 4.3077% | 839 |
| Noninterest income to average assets | 1.9104% | 335 |
| Noninterest expense to average assets | 3.8397% | 641 |
| Loan and lease loss provision to assets | 0.2033% | 899 |
| Net operating income to assets | 1.9884% | 316 |
| Return on assets (ROA) | 1.9884% | 322 |
| Pretax return on assets | 1.9884% | 540 |
| Return on Equity (ROE) | 14.5309% | 731 |
| Retained earnings to average equity (ytd only) | 14.5309% | 157 |
| Net charge-offs to loans | 0.3888% | 525 |
| Credit loss provision to net charge-offs | 89.5833% | 2,148 |
| Earnings coverage of net charge-offs (x) | 9.6563% | 2,414 |
| Efficiency ratio | 63.6613% | 3,728 |
| Assets per employee ($millions) | 2.5078% | 5,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 1,673 |
| Loan loss allowance to noncurrent loans | 124.7387% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 1.3485% | 1,194 |
| Noncurrent loans to loans | 1.1811% | 1,655 |
| Net loans and leases to total assets | 57.8598% | 4,053 |
| Net loans and leases to deposits | 68.9679% | 3,991 |
| Net loans and leases to core deposits | 75.4408% | 3,822 |
| Total domestic deposits to total assets | 83.8938% | 3,243 |
| Equity capital to assets | 14.3927% | 853 |
| Core capital (leverage) ratio | 13.2660% | 1,068 |
| Tier 1 risk-based capital ratio | 28.0938% | 544 |
| Total risk-based capital ratio | 29.3498% | 532 |
| Memoranda: | ||
| Average total assets | $84,589,670 | 4,578 |
| Average earning assets | $80,924,670 | 4,519 |
| Average equity | $11,575,330 | 4,263 |
| Average total loans | $49,387,000 | 4,546 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6353% | 1,055 |
| Cost of funding earning assets | 0.3475% | 3,560 |
| Net interest margin | 4.2878% | 815 |
| Noninterest income to average assets | 2.3390% | 258 |
| Noninterest expense to average assets | 3.9108% | 593 |
| Loan and lease loss provision to assets | 0.1497% | 1,244 |
| Net operating income to assets | 2.3764% | 169 |
| Return on assets (ROA) | 2.3764% | 173 |
| Pretax return on assets | 2.3764% | 265 |
| Return on Equity (ROE) | 17.8128% | 353 |
| Retained earnings to average equity (ytd only) | 17.8128% | 142 |
| Net charge-offs to loans | 0.3696% | 500 |
| Credit loss provision to net charge-offs | 69.5652% | 1,840 |
| Earnings coverage of net charge-offs (x) | 11.7391% | 1,873 |
| Efficiency ratio | 60.7558% | 4,351 |
| Assets per employee ($millions) | 2.3039% | 5,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 1,900 |
| Loan loss allowance to noncurrent loans | 106.2687% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 1.6658% | 915 |
| Noncurrent loans to loans | 1.3556% | 1,487 |
| Net loans and leases to total assets | 57.1460% | 4,050 |
| Net loans and leases to deposits | 67.3818% | 4,055 |
| Net loans and leases to core deposits | 73.1229% | 3,906 |
| Total domestic deposits to total assets | 84.8093% | 3,164 |
| Equity capital to assets | 13.6140% | 1,033 |
| Core capital (leverage) ratio | 12.7228% | 1,247 |
| Tier 1 risk-based capital ratio | 26.7896% | 641 |
| Total risk-based capital ratio | 28.0465% | 628 |
| Memoranda: | ||
| Average total assets | $85,506,000 | 4,616 |
| Average earning assets | $81,720,500 | 4,557 |
| Average equity | $11,407,500 | 4,322 |
| Average total loans | $49,781,000 | 4,570 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6392% | 1,190 |
| Cost of funding earning assets | 0.3844% | 3,156 |
| Net interest margin | 4.2548% | 1,004 |
| Noninterest income to average assets | 0.6921% | 2,210 |
| Noninterest expense to average assets | 4.4754% | 388 |
| Loan and lease loss provision to assets | 0.2479% | 849 |
| Net operating income to assets | 0.0344% | 5,617 |
| Return on assets (ROA) | 0.0344% | 5,643 |
| Pretax return on assets | 0.0344% | 5,636 |
| Return on Equity (ROE) | 0.2289% | 5,644 |
| Retained earnings to average equity (ytd only) | 0.2289% | 5,228 |
| Net charge-offs to loans | 0.2363% | 1,183 |
| Credit loss provision to net charge-offs | 186.2069% | 1,511 |
| Earnings coverage of net charge-offs (x) | 2.1207% | 3,881 |
| Efficiency ratio | 94.0651% | 376 |
| Assets per employee ($millions) | 2.5226% | 5,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 1,878 |
| Loan loss allowance to noncurrent loans | 129.1815% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 1.5297% | 1,071 |
| Noncurrent loans to loans | 1.1209% | 1,840 |
| Net loans and leases to total assets | 57.6094% | 4,106 |
| Net loans and leases to deposits | 69.0262% | 4,004 |
| Net loans and leases to core deposits | 76.1740% | 3,738 |
| Total domestic deposits to total assets | 83.4602% | 3,607 |
| Equity capital to assets | 14.6743% | 694 |
| Core capital (leverage) ratio | 13.6115% | 932 |
| Tier 1 risk-based capital ratio | 28.5624% | 539 |
| Total risk-based capital ratio | 29.8177% | 533 |
| Memoranda: | ||
| Average total assets | $87,120,600 | 4,602 |
| Average earning assets | $83,247,600 | 4,534 |
| Average equity | $13,109,000 | 4,078 |
| Average total loans | $49,094,000 | 4,597 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4753% | 1,622 |
| Cost of funding earning assets | 0.3876% | 3,150 |
| Net interest margin | 4.0878% | 1,413 |
| Noninterest income to average assets | 0.9269% | 1,324 |
| Noninterest expense to average assets | 4.4408% | 404 |
| Loan and lease loss provision to assets | 0.1829% | 1,202 |
| Net operating income to assets | 0.2104% | 5,449 |
| Return on assets (ROA) | 0.2104% | 5,512 |
| Pretax return on assets | 0.2104% | 5,553 |
| Return on Equity (ROE) | 1.3898% | 5,580 |
| Retained earnings to average equity (ytd only) | 1.3898% | 4,952 |
| Net charge-offs to loans | 0.2566% | 914 |
| Credit loss provision to net charge-offs | 127.6596% | 1,996 |
| Earnings coverage of net charge-offs (x) | 2.7447% | 3,529 |
| Efficiency ratio | 91.8638% | 468 |
| Assets per employee ($millions) | 2.4629% | 5,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 2,569 |
| Loan loss allowance to noncurrent loans | 128.0943% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 1.6206% | 1,073 |
| Noncurrent loans to loans | 1.0320% | 2,178 |
| Net loans and leases to total assets | 56.4586% | 4,260 |
| Net loans and leases to deposits | 68.0001% | 4,152 |
| Net loans and leases to core deposits | 75.0069% | 3,921 |
| Total domestic deposits to total assets | 83.0273% | 3,587 |
| Equity capital to assets | 15.3313% | 666 |
| Core capital (leverage) ratio | 13.4737% | 1,010 |
| Tier 1 risk-based capital ratio | 28.3527% | 562 |
| Total risk-based capital ratio | 29.6077% | 546 |
| Memoranda: | ||
| Average total assets | $87,458,500 | 4,624 |
| Average earning assets | $83,596,750 | 4,562 |
| Average equity | $13,239,750 | 4,093 |
| Average total loans | $48,833,250 | 4,650 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5151% | 1,475 |
| Cost of funding earning assets | 0.3905% | 3,148 |
| Net interest margin | 4.1245% | 1,312 |
| Noninterest income to average assets | 0.8944% | 1,389 |
| Noninterest expense to average assets | 4.3037% | 445 |
| Loan and lease loss provision to assets | 0.2162% | 969 |
| Net operating income to assets | 0.3163% | 5,272 |
| Return on assets (ROA) | 0.3163% | 5,358 |
| Pretax return on assets | 0.3163% | 5,478 |
| Return on Equity (ROE) | 2.0982% | 5,485 |
| Retained earnings to average equity (ytd only) | 2.0227% | 4,550 |
| Net charge-offs to loans | 0.2671% | 897 |
| Credit loss provision to net charge-offs | 146.1538% | 1,623 |
| Earnings coverage of net charge-offs (x) | 3.6000% | 3,085 |
| Efficiency ratio | 88.9882% | 657 |
| Assets per employee ($millions) | 2.3778% | 5,837 |
| Cash dividends to net income (ytd only)* | 3.5971% | 3,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 2,666 |
| Loan loss allowance to noncurrent loans | 199.3921% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 1.3458% | 1,483 |
| Noncurrent loans to loans | 0.6630% | 3,081 |
| Net loans and leases to total assets | 55.6570% | 4,351 |
| Net loans and leases to deposits | 66.8729% | 4,276 |
| Net loans and leases to core deposits | 73.2710% | 4,053 |
| Total domestic deposits to total assets | 83.2280% | 3,565 |
| Equity capital to assets | 15.1682% | 701 |
| Core capital (leverage) ratio | 13.3620% | 1,031 |
| Tier 1 risk-based capital ratio | 28.2741% | 577 |
| Total risk-based capital ratio | 29.5277% | 567 |
| Memoranda: | ||
| Average total assets | $87,878,670 | 4,658 |
| Average earning assets | $83,985,000 | 4,588 |
| Average equity | $13,249,330 | 4,115 |
| Average total loans | $48,670,670 | 4,691 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5627% | 1,356 |
| Cost of funding earning assets | 0.3953% | 3,134 |
| Net interest margin | 4.1674% | 1,179 |
| Noninterest income to average assets | 0.8334% | 1,502 |
| Noninterest expense to average assets | 3.7938% | 782 |
| Loan and lease loss provision to assets | 0.2414% | 747 |
| Net operating income to assets | 0.7833% | 3,328 |
| Return on assets (ROA) | 0.7833% | 3,436 |
| Pretax return on assets | 0.7833% | 4,259 |
| Return on Equity (ROE) | 5.2115% | 4,386 |
| Retained earnings to average equity (ytd only) | 5.0600% | 2,899 |
| Net charge-offs to loans | 0.3569% | 627 |
| Credit loss provision to net charge-offs | 123.2558% | 1,418 |
| Earnings coverage of net charge-offs (x) | 5.2326% | 2,347 |
| Efficiency ratio | 78.7335% | 1,796 |
| Assets per employee ($millions) | 2.3705% | 5,904 |
| Cash dividends to net income (ytd only)* | 2.9070% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 2,720 |
| Loan loss allowance to noncurrent loans | 94.6429% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.6692% | 1,175 |
| Noncurrent loans to loans | 1.4132% | 1,694 |
| Net loans and leases to total assets | 53.4923% | 4,491 |
| Net loans and leases to deposits | 64.3395% | 4,409 |
| Net loans and leases to core deposits | 70.2550% | 4,226 |
| Total domestic deposits to total assets | 83.1406% | 3,844 |
| Equity capital to assets | 15.2096% | 648 |
| Core capital (leverage) ratio | 13.7123% | 902 |
| Tier 1 risk-based capital ratio | 29.4135% | 529 |
| Total risk-based capital ratio | 30.6683% | 521 |
| Memoranda: | ||
| Average total assets | $87,828,000 | 4,701 |
| Average earning assets | $83,985,000 | 4,623 |
| Average equity | $13,201,500 | 4,131 |
| Average total loans | $48,194,500 | 4,732 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6386% | 1,241 |
| Cost of funding earning assets | 0.4077% | 3,073 |
| Net interest margin | 4.2309% | 1,097 |
| Noninterest income to average assets | 0.8736% | 1,519 |
| Noninterest expense to average assets | 5.2748% | 230 |
| Loan and lease loss provision to assets | 0.3115% | 534 |
| Net operating income to assets | -0.6549% | 6,069 |
| Return on assets (ROA) | -0.6549% | 6,069 |
| Pretax return on assets | -0.6549% | 6,065 |
| Return on Equity (ROE) | -4.5001% | 6,037 |
| Retained earnings to average equity (ytd only) | -4.5001% | 5,890 |
| Net charge-offs to loans | 0.5896% | 411 |
| Credit loss provision to net charge-offs | 96.5753% | 2,626 |
| Earnings coverage of net charge-offs (x) | -1.0651% | 4,331 |
| Efficiency ratio | 106.9653% | 173 |
| Assets per employee ($millions) | 2.5867% | 5,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 3,007 |
| Loan loss allowance to noncurrent loans | 86.5837% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.6123% | 1,221 |
| Noncurrent loans to loans | 1.4805% | 1,570 |
| Net loans and leases to total assets | 54.8165% | 4,416 |
| Net loans and leases to deposits | 65.9174% | 4,321 |
| Net loans and leases to core deposits | 72.0316% | 4,131 |
| Total domestic deposits to total assets | 83.1594% | 3,789 |
| Equity capital to assets | 14.8531% | 694 |
| Core capital (leverage) ratio | 14.2789% | 763 |
| Tier 1 risk-based capital ratio | 30.2757% | 492 |
| Total risk-based capital ratio | 31.5296% | 484 |
| Memoranda: | ||
| Average total assets | $90,544,200 | 4,658 |
| Average earning assets | $86,836,600 | 4,565 |
| Average equity | $13,177,600 | 4,103 |
| Average total loans | $49,525,000 | 4,686 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6321% | 1,252 |
| Cost of funding earning assets | 0.4113% | 3,110 |
| Net interest margin | 4.2208% | 1,120 |
| Noninterest income to average assets | 0.8436% | 1,638 |
| Noninterest expense to average assets | 3.3788% | 1,514 |
| Loan and lease loss provision to assets | 0.2895% | 526 |
| Net operating income to assets | 1.2267% | 1,566 |
| Return on assets (ROA) | 1.2267% | 1,625 |
| Pretax return on assets | 1.2267% | 2,705 |
| Return on Equity (ROE) | 8.4705% | 2,836 |
| Retained earnings to average equity (ytd only) | 8.4705% | 1,065 |
| Net charge-offs to loans | 0.5849% | 381 |
| Credit loss provision to net charge-offs | 90.8257% | 2,464 |
| Earnings coverage of net charge-offs (x) | 4.7569% | 3,302 |
| Efficiency ratio | 69.0263% | 3,371 |
| Assets per employee ($millions) | 2.5792% | 5,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 3,329 |
| Loan loss allowance to noncurrent loans | 206.7114% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 1.1323% | 2,104 |
| Noncurrent loans to loans | 0.6080% | 3,493 |
| Net loans and leases to total assets | 55.1851% | 4,447 |
| Net loans and leases to deposits | 67.5620% | 4,231 |
| Net loans and leases to core deposits | 74.1318% | 4,004 |
| Total domestic deposits to total assets | 81.6806% | 4,264 |
| Equity capital to assets | 15.4629% | 651 |
| Core capital (leverage) ratio | 14.6220% | 711 |
| Tier 1 risk-based capital ratio | 32.0749% | 441 |
| Total risk-based capital ratio | 33.3284% | 434 |
| Memoranda: | ||
| Average total assets | $91,193,250 | 4,696 |
| Average earning assets | $87,531,750 | 4,597 |
| Average equity | $13,206,250 | 4,139 |
| Average total loans | $49,697,250 | 4,727 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5636% | 1,367 |
| Cost of funding earning assets | 0.4147% | 3,103 |
| Net interest margin | 4.1490% | 1,226 |
| Noninterest income to average assets | 0.7991% | 1,783 |
| Noninterest expense to average assets | 3.3001% | 1,707 |
| Loan and lease loss provision to assets | 0.2923% | 539 |
| Net operating income to assets | 1.1932% | 1,623 |
| Return on assets (ROA) | 1.1932% | 1,698 |
| Pretax return on assets | 1.1932% | 2,804 |
| Return on Equity (ROE) | 8.4197% | 2,837 |
| Retained earnings to average equity (ytd only) | 8.4197% | 1,110 |
| Net charge-offs to loans | 0.8372% | 248 |
| Credit loss provision to net charge-offs | 64.5933% | 2,546 |
| Earnings coverage of net charge-offs (x) | 3.2823% | 3,211 |
| Efficiency ratio | 68.9593% | 3,498 |
| Assets per employee ($millions) | 2.5063% | 6,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1328% | 4,168 |
| Loan loss allowance to noncurrent loans | 125.7271% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 1.1748% | 2,159 |
| Noncurrent loans to loans | 0.9010% | 2,873 |
| Net loans and leases to total assets | 54.3612% | 4,516 |
| Net loans and leases to deposits | 65.8420% | 4,348 |
| Net loans and leases to core deposits | 71.9690% | 4,141 |
| Total domestic deposits to total assets | 82.5631% | 4,103 |
| Equity capital to assets | 14.7094% | 769 |
| Core capital (leverage) ratio | 13.6199% | 951 |
| Tier 1 risk-based capital ratio | 30.1213% | 539 |
| Total risk-based capital ratio | 31.3719% | 529 |
| Memoranda: | ||
| Average total assets | $92,359,670 | 4,715 |
| Average earning assets | $88,745,000 | 4,625 |
| Average equity | $13,088,330 | 4,190 |
| Average total loans | $49,926,330 | 4,752 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4827% | 1,513 |
| Cost of funding earning assets | 0.4152% | 3,136 |
| Net interest margin | 4.0674% | 1,363 |
| Noninterest income to average assets | 0.8734% | 1,487 |
| Noninterest expense to average assets | 3.2154% | 1,948 |
| Loan and lease loss provision to assets | 0.3083% | 457 |
| Net operating income to assets | 1.2502% | 1,407 |
| Return on assets (ROA) | 1.2502% | 1,494 |
| Pretax return on assets | 1.2502% | 2,465 |
| Return on Equity (ROE) | 8.9870% | 2,455 |
| Retained earnings to average equity (ytd only) | 8.9870% | 1,199 |
| Net charge-offs to loans | 1.1820% | 189 |
| Credit loss provision to net charge-offs | 48.6486% | 2,119 |
| Earnings coverage of net charge-offs (x) | 2.4595% | 2,749 |
| Efficiency ratio | 67.3543% | 3,929 |
| Assets per employee ($millions) | 2.6400% | 6,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 4,467 |
| Loan loss allowance to noncurrent loans | 62.8507% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 1.4941% | 1,758 |
| Noncurrent loans to loans | 1.7637% | 1,545 |
| Net loans and leases to total assets | 52.5652% | 4,604 |
| Net loans and leases to deposits | 63.0568% | 4,477 |
| Net loans and leases to core deposits | 68.5323% | 4,283 |
| Total domestic deposits to total assets | 83.3617% | 4,062 |
| Equity capital to assets | 13.8941% | 1,016 |
| Core capital (leverage) ratio | 13.5106% | 969 |
| Tier 1 risk-based capital ratio | 29.4777% | 570 |
| Total risk-based capital ratio | 30.7290% | 559 |
| Memoranda: | ||
| Average total assets | $93,425,500 | 4,736 |
| Average earning assets | $89,589,500 | 4,643 |
| Average equity | $12,996,500 | 4,237 |
| Average total loans | $50,084,000 | 4,783 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5212% | 1,789 |
| Cost of funding earning assets | 0.5033% | 2,642 |
| Net interest margin | 4.0179% | 1,845 |
| Noninterest income to average assets | 0.8091% | 1,835 |
| Noninterest expense to average assets | 3.1871% | 2,244 |
| Loan and lease loss provision to assets | 0.2028% | 1,251 |
| Net operating income to assets | 1.2826% | 1,341 |
| Return on assets (ROA) | 1.2826% | 1,392 |
| Pretax return on assets | 1.2826% | 2,299 |
| Return on Equity (ROE) | 9.1935% | 2,486 |
| Retained earnings to average equity (ytd only) | 0.6294% | 5,483 |
| Net charge-offs to loans | 0.4640% | 905 |
| Credit loss provision to net charge-offs | 84.7162% | 2,767 |
| Earnings coverage of net charge-offs (x) | 6.2052% | 3,250 |
| Efficiency ratio | 68.2103% | 3,861 |
| Assets per employee ($millions) | 2.6232% | 6,086 |
| Cash dividends to net income (ytd only)* | 93.1540% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 3,536 |
| Loan loss allowance to noncurrent loans | 49.6875% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 1.9202% | 1,341 |
| Noncurrent loans to loans | 2.5780% | 973 |
| Net loans and leases to total assets | 53.3858% | 4,653 |
| Net loans and leases to deposits | 64.1100% | 4,519 |
| Net loans and leases to core deposits | 69.8842% | 4,339 |
| Total domestic deposits to total assets | 83.2722% | 3,985 |
| Equity capital to assets | 13.9286% | 981 |
| Core capital (leverage) ratio | 13.9459% | 828 |
| Tier 1 risk-based capital ratio | 30.7648% | 483 |
| Total risk-based capital ratio | 32.0178% | 470 |
| Memoranda: | ||
| Average total assets | $95,666,800 | 4,699 |
| Average earning assets | $91,988,600 | 4,607 |
| Average equity | $13,346,400 | 4,128 |
| Average total loans | $49,348,200 | 4,840 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4904% | 1,905 |
| Cost of funding earning assets | 0.5219% | 2,551 |
| Net interest margin | 3.9685% | 1,972 |
| Noninterest income to average assets | 0.7630% | 2,038 |
| Noninterest expense to average assets | 3.1142% | 2,430 |
| Loan and lease loss provision to assets | 0.1683% | 1,468 |
| Net operating income to assets | 1.2998% | 1,374 |
| Return on assets (ROA) | 1.2998% | 1,430 |
| Pretax return on assets | 1.2998% | 2,376 |
| Return on Equity (ROE) | 9.3131% | 2,537 |
| Retained earnings to average equity (ytd only) | 9.3131% | 892 |
| Net charge-offs to loans | 0.4844% | 809 |
| Credit loss provision to net charge-offs | 68.1564% | 2,803 |
| Earnings coverage of net charge-offs (x) | 5.9441% | 3,165 |
| Efficiency ratio | 67.9615% | 3,861 |
| Assets per employee ($millions) | 2.6364% | 6,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 4,015 |
| Loan loss allowance to noncurrent loans | 78.5166% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.3384% | 2,306 |
| Noncurrent loans to loans | 1.5803% | 2,060 |
| Net loans and leases to total assets | 52.9624% | 4,702 |
| Net loans and leases to deposits | 64.3441% | 4,498 |
| Net loans and leases to core deposits | 70.3874% | 4,289 |
| Total domestic deposits to total assets | 82.3112% | 4,373 |
| Equity capital to assets | 15.1138% | 715 |
| Core capital (leverage) ratio | 14.7331% | 667 |
| Tier 1 risk-based capital ratio | 31.8521% | 447 |
| Total risk-based capital ratio | 33.1033% | 438 |
| Memoranda: | ||
| Average total assets | $96,630,750 | 4,729 |
| Average earning assets | $92,997,000 | 4,627 |
| Average equity | $13,486,000 | 4,132 |
| Average total loans | $49,272,750 | 4,890 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4231% | 2,094 |
| Cost of funding earning assets | 0.5502% | 2,347 |
| Net interest margin | 3.8728% | 2,286 |
| Noninterest income to average assets | 0.7137% | 2,215 |
| Noninterest expense to average assets | 3.0831% | 2,555 |
| Loan and lease loss provision to assets | 0.1611% | 1,541 |
| Net operating income to assets | 1.2010% | 1,585 |
| Return on assets (ROA) | 1.2010% | 1,654 |
| Pretax return on assets | 1.2010% | 2,665 |
| Return on Equity (ROE) | 8.8354% | 2,674 |
| Retained earnings to average equity (ytd only) | 8.8354% | 1,039 |
| Net charge-offs to loans | 0.2520% | 1,546 |
| Credit loss provision to net charge-offs | 127.4194% | 1,633 |
| Earnings coverage of net charge-offs (x) | 10.7742% | 2,216 |
| Efficiency ratio | 69.3578% | 3,766 |
| Assets per employee ($millions) | 2.8727% | 5,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3983% | 3,360 |
| Loan loss allowance to noncurrent loans | 66.1538% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 1.3154% | 2,481 |
| Noncurrent loans to loans | 2.1138% | 1,570 |
| Net loans and leases to total assets | 51.1741% | 4,835 |
| Net loans and leases to deposits | 61.6148% | 4,729 |
| Net loans and leases to core deposits | 66.9477% | 4,558 |
| Total domestic deposits to total assets | 83.0549% | 4,278 |
| Equity capital to assets | 14.5401% | 811 |
| Core capital (leverage) ratio | 13.7598% | 896 |
| Tier 1 risk-based capital ratio | 30.9443% | 486 |
| Total risk-based capital ratio | 32.1987% | 480 |
| Memoranda: | ||
| Average total assets | $98,083,330 | 4,725 |
| Average earning assets | $94,504,670 | 4,628 |
| Average equity | $13,332,670 | 4,163 |
| Average total loans | $49,202,330 | 4,917 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3115% | 2,480 |
| Cost of funding earning assets | 0.5618% | 2,325 |
| Net interest margin | 3.7497% | 2,680 |
| Noninterest income to average assets | 0.6739% | 2,329 |
| Noninterest expense to average assets | 3.0203% | 2,799 |
| Loan and lease loss provision to assets | 0.1604% | 1,518 |
| Net operating income to assets | 1.1070% | 1,790 |
| Return on assets (ROA) | 1.1070% | 1,845 |
| Pretax return on assets | 1.1070% | 2,874 |
| Return on Equity (ROE) | 8.4230% | 2,723 |
| Retained earnings to average equity (ytd only) | 8.4230% | 1,447 |
| Net charge-offs to loans | 0.1707% | 1,696 |
| Credit loss provision to net charge-offs | 190.4762% | 1,083 |
| Earnings coverage of net charge-offs (x) | 15.0476% | 1,570 |
| Efficiency ratio | 70.4397% | 3,754 |
| Assets per employee ($millions) | 3.2125% | 5,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 3,632 |
| Loan loss allowance to noncurrent loans | 63.9481% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 1.2913% | 2,707 |
| Noncurrent loans to loans | 2.1806% | 1,672 |
| Net loans and leases to total assets | 48.9934% | 5,001 |
| Net loans and leases to deposits | 58.1148% | 4,929 |
| Net loans and leases to core deposits | 63.2103% | 4,767 |
| Total domestic deposits to total assets | 84.3045% | 4,163 |
| Equity capital to assets | 13.4021% | 1,139 |
| Core capital (leverage) ratio | 13.2824% | 1,046 |
| Tier 1 risk-based capital ratio | 29.3844% | 555 |
| Total risk-based capital ratio | 30.6375% | 548 |
| Memoranda: | ||
| Average total assets | $99,725,000 | 4,745 |
| Average earning assets | $96,114,500 | 4,624 |
| Average equity | $13,107,000 | 4,217 |
| Average total loans | $49,203,000 | 4,961 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8122% | 1,287 |
| Cost of funding earning assets | 0.6202% | 2,478 |
| Net interest margin | 4.1920% | 1,375 |
| Noninterest income to average assets | 0.6915% | 2,587 |
| Noninterest expense to average assets | 3.2270% | 2,340 |
| Loan and lease loss provision to assets | 0.2086% | 1,774 |
| Net operating income to assets | 1.2672% | 1,341 |
| Return on assets (ROA) | 1.2672% | 1,397 |
| Pretax return on assets | 1.2672% | 2,282 |
| Return on Equity (ROE) | 9.0813% | 2,495 |
| Retained earnings to average equity (ytd only) | 1.3229% | 5,229 |
| Net charge-offs to loans | 0.3198% | 2,083 |
| Credit loss provision to net charge-offs | 127.3885% | 1,846 |
| Earnings coverage of net charge-offs (x) | 9.0127% | 2,570 |
| Efficiency ratio | 68.6183% | 4,076 |
| Assets per employee ($millions) | 3.2213% | 5,444 |
| Cash dividends to net income (ytd only)* | 85.4321% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 3,787 |
| Loan loss allowance to noncurrent loans | 68.3299% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 1.2007% | 2,998 |
| Noncurrent loans to loans | 2.0072% | 1,983 |
| Net loans and leases to total assets | 48.3202% | 5,261 |
| Net loans and leases to deposits | 56.9310% | 5,216 |
| Net loans and leases to core deposits | 61.8565% | 5,076 |
| Total domestic deposits to total assets | 84.8750% | 3,813 |
| Equity capital to assets | 12.8849% | 1,330 |
| Core capital (leverage) ratio | 13.2420% | 1,039 |
| Tier 1 risk-based capital ratio | 29.6030% | 519 |
| Total risk-based capital ratio | 30.8557% | 511 |
| Memoranda: | ||
| Average total assets | $95,879,600 | 4,839 |
| Average earning assets | $91,746,600 | 4,725 |
| Average equity | $13,379,200 | 4,186 |
| Average total loans | $49,092,400 | 5,002 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9068% | 1,111 |
| Cost of funding earning assets | 0.6312% | 2,536 |
| Net interest margin | 4.2756% | 1,151 |
| Noninterest income to average assets | 0.6113% | 3,069 |
| Noninterest expense to average assets | 3.3738% | 1,881 |
| Loan and lease loss provision to assets | 0.1981% | 1,835 |
| Net operating income to assets | 1.1227% | 1,919 |
| Return on assets (ROA) | 1.1227% | 1,991 |
| Pretax return on assets | 1.1227% | 3,011 |
| Return on Equity (ROE) | 7.8869% | 3,179 |
| Retained earnings to average equity (ytd only) | 7.8869% | 1,460 |
| Net charge-offs to loans | 0.2551% | 2,282 |
| Credit loss provision to net charge-offs | 150.0000% | 1,565 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,410 |
| Efficiency ratio | 71.8647% | 3,431 |
| Assets per employee ($millions) | 3.1374% | 5,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 4,192 |
| Loan loss allowance to noncurrent loans | 97.8261% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.5055% | 2,675 |
| Noncurrent loans to loans | 1.3709% | 3,126 |
| Net loans and leases to total assets | 52.7576% | 4,781 |
| Net loans and leases to deposits | 63.4354% | 4,574 |
| Net loans and leases to core deposits | 69.8357% | 4,341 |
| Total domestic deposits to total assets | 83.1674% | 4,514 |
| Equity capital to assets | 13.6197% | 1,072 |
| Core capital (leverage) ratio | 14.2531% | 802 |
| Tier 1 risk-based capital ratio | 29.6840% | 531 |
| Total risk-based capital ratio | 30.9371% | 524 |
| Memoranda: | ||
| Average total assets | $94,884,250 | 4,908 |
| Average earning assets | $90,620,000 | 4,790 |
| Average equity | $13,507,250 | 4,212 |
| Average total loans | $49,134,500 | 5,042 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9224% | 1,044 |
| Cost of funding earning assets | 0.6365% | 2,625 |
| Net interest margin | 4.2859% | 1,058 |
| Noninterest income to average assets | 0.8619% | 1,951 |
| Noninterest expense to average assets | 3.4602% | 1,697 |
| Loan and lease loss provision to assets | 0.2670% | 1,389 |
| Net operating income to assets | 1.2256% | 1,526 |
| Return on assets (ROA) | 1.2256% | 1,631 |
| Pretax return on assets | 1.2256% | 2,575 |
| Return on Equity (ROE) | 8.4882% | 2,853 |
| Retained earnings to average equity (ytd only) | 8.4882% | 1,296 |
| Net charge-offs to loans | 0.2873% | 2,046 |
| Credit loss provision to net charge-offs | 181.4286% | 1,307 |
| Earnings coverage of net charge-offs (x) | 10.1429% | 2,185 |
| Efficiency ratio | 69.8642% | 3,856 |
| Assets per employee ($millions) | 2.9548% | 5,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3821% | 4,119 |
| Loan loss allowance to noncurrent loans | 116.6951% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 1.5642% | 2,768 |
| Noncurrent loans to loans | 1.1843% | 3,578 |
| Net loans and leases to total assets | 51.6937% | 4,906 |
| Net loans and leases to deposits | 62.2654% | 4,705 |
| Net loans and leases to core deposits | 68.5242% | 4,449 |
| Total domestic deposits to total assets | 83.0215% | 4,694 |
| Equity capital to assets | 13.9115% | 993 |
| Core capital (leverage) ratio | 13.8234% | 871 |
| Tier 1 risk-based capital ratio | 29.0999% | 571 |
| Total risk-based capital ratio | 30.3572% | 557 |
| Memoranda: | ||
| Average total assets | $95,138,670 | 4,934 |
| Average earning assets | $90,809,670 | 4,820 |
| Average equity | $13,736,670 | 4,204 |
| Average total loans | $48,735,670 | 5,076 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9135% | 1,045 |
| Cost of funding earning assets | 0.6411% | 2,734 |
| Net interest margin | 4.2724% | 1,022 |
| Noninterest income to average assets | 0.8299% | 1,998 |
| Noninterest expense to average assets | 3.3323% | 2,007 |
| Loan and lease loss provision to assets | 0.2599% | 1,372 |
| Net operating income to assets | 1.3161% | 1,242 |
| Return on assets (ROA) | 1.3161% | 1,346 |
| Pretax return on assets | 1.3161% | 2,173 |
| Return on Equity (ROE) | 8.9535% | 2,507 |
| Retained earnings to average equity (ytd only) | 8.9535% | 1,397 |
| Net charge-offs to loans | 0.2483% | 1,969 |
| Credit loss provision to net charge-offs | 206.6667% | 1,059 |
| Earnings coverage of net charge-offs (x) | 12.5333% | 1,592 |
| Efficiency ratio | 67.8907% | 4,327 |
| Assets per employee ($millions) | 2.8643% | 6,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 4,446 |
| Loan loss allowance to noncurrent loans | 106.7961% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 1.6060% | 2,855 |
| Noncurrent loans to loans | 1.2685% | 3,657 |
| Net loans and leases to total assets | 50.8437% | 4,873 |
| Net loans and leases to deposits | 61.8011% | 4,579 |
| Net loans and leases to core deposits | 68.0713% | 4,295 |
| Total domestic deposits to total assets | 82.2699% | 5,106 |
| Equity capital to assets | 14.8292% | 801 |
| Core capital (leverage) ratio | 13.6150% | 906 |
| Tier 1 risk-based capital ratio | 28.5332% | 609 |
| Total risk-based capital ratio | 29.7848% | 602 |
| Memoranda: | ||
| Average total assets | $95,430,500 | 4,959 |
| Average earning assets | $91,096,000 | 4,862 |
| Average equity | $14,028,000 | 4,191 |
| Average total loans | $48,321,500 | 5,118 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2441% | 1,029 |
| Cost of funding earning assets | 0.7679% | 2,936 |
| Net interest margin | 4.4762% | 986 |
| Noninterest income to average assets | 0.8905% | 1,893 |
| Noninterest expense to average assets | 3.4366% | 1,975 |
| Loan and lease loss provision to assets | 0.2864% | 2,373 |
| Net operating income to assets | 1.4382% | 1,031 |
| Return on assets (ROA) | 1.4382% | 1,155 |
| Pretax return on assets | 1.4382% | 1,904 |
| Return on Equity (ROE) | 9.5506% | 2,384 |
| Retained earnings to average equity (ytd only) | -0.0694% | 5,856 |
| Net charge-offs to loans | 0.6416% | 1,830 |
| Credit loss provision to net charge-offs | 85.8934% | 3,632 |
| Earnings coverage of net charge-offs (x) | 5.1724% | 3,122 |
| Efficiency ratio | 66.5857% | 4,396 |
| Assets per employee ($millions) | 2.7525% | 6,366 |
| Cash dividends to net income (ytd only)* | 100.7267% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 4,584 |
| Loan loss allowance to noncurrent loans | 91.2791% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.6484% | 2,923 |
| Noncurrent loans to loans | 1.4356% | 3,442 |
| Net loans and leases to total assets | 49.0938% | 5,296 |
| Net loans and leases to deposits | 59.8911% | 5,037 |
| Net loans and leases to core deposits | 65.8517% | 4,751 |
| Total domestic deposits to total assets | 81.9718% | 5,109 |
| Equity capital to assets | 14.5727% | 851 |
| Core capital (leverage) ratio | 13.1805% | 1,052 |
| Tier 1 risk-based capital ratio | 27.7659% | 640 |
| Total risk-based capital ratio | 29.0185% | 628 |
| Memoranda: | ||
| Average total assets | $95,675,600 | 4,948 |
| Average earning assets | $91,282,800 | 4,832 |
| Average equity | $14,407,400 | 4,086 |
| Average total loans | $49,721,400 | 5,118 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3036% | 1,007 |
| Cost of funding earning assets | 0.7932% | 3,002 |
| Net interest margin | 4.5104% | 970 |
| Noninterest income to average assets | 0.8655% | 1,961 |
| Noninterest expense to average assets | 3.4620% | 1,854 |
| Loan and lease loss provision to assets | 0.2973% | 2,210 |
| Net operating income to assets | 1.4085% | 1,206 |
| Return on assets (ROA) | 1.4085% | 1,324 |
| Pretax return on assets | 1.4085% | 2,207 |
| Return on Equity (ROE) | 9.2783% | 2,679 |
| Retained earnings to average equity (ytd only) | 1.7472% | 5,455 |
| Net charge-offs to loans | 0.8079% | 1,354 |
| Credit loss provision to net charge-offs | 70.0658% | 3,901 |
| Earnings coverage of net charge-offs (x) | 4.0198% | 3,428 |
| Efficiency ratio | 66.9908% | 4,249 |
| Assets per employee ($millions) | 2.6682% | 6,533 |
| Cash dividends to net income (ytd only)* | 81.1693% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2077% | 5,246 |
| Loan loss allowance to noncurrent loans | 56.0154% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 2.0186% | 2,613 |
| Noncurrent loans to loans | 2.1560% | 2,669 |
| Net loans and leases to total assets | 49.5638% | 5,360 |
| Net loans and leases to deposits | 61.0544% | 5,079 |
| Net loans and leases to core deposits | 66.9220% | 4,852 |
| Total domestic deposits to total assets | 81.1797% | 5,304 |
| Equity capital to assets | 15.1162% | 797 |
| Core capital (leverage) ratio | 13.3683% | 1,052 |
| Tier 1 risk-based capital ratio | 28.4022% | 617 |
| Total risk-based capital ratio | 29.6527% | 606 |
| Memoranda: | ||
| Average total assets | $95,510,000 | 5,000 |
| Average earning assets | $91,105,250 | 4,885 |
| Average equity | $14,499,500 | 4,107 |
| Average total loans | $50,170,750 | 5,159 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3664% | 932 |
| Cost of funding earning assets | 0.8160% | 3,071 |
| Net interest margin | 4.5504% | 906 |
| Noninterest income to average assets | 0.8602% | 1,931 |
| Noninterest expense to average assets | 3.4575% | 1,884 |
| Loan and lease loss provision to assets | 0.3042% | 2,163 |
| Net operating income to assets | 1.4392% | 1,109 |
| Return on assets (ROA) | 1.4392% | 1,245 |
| Pretax return on assets | 1.4392% | 2,053 |
| Return on Equity (ROE) | 9.4669% | 2,587 |
| Retained earnings to average equity (ytd only) | 2.3736% | 5,008 |
| Net charge-offs to loans | 0.9719% | 1,143 |
| Credit loss provision to net charge-offs | 58.7045% | 3,834 |
| Earnings coverage of net charge-offs (x) | 3.3644% | 3,401 |
| Efficiency ratio | 66.4784% | 4,438 |
| Assets per employee ($millions) | 2.6704% | 6,570 |
| Cash dividends to net income (ytd only)* | 74.9271% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 5,462 |
| Loan loss allowance to noncurrent loans | 51.3951% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 2.0679% | 2,701 |
| Noncurrent loans to loans | 2.2869% | 2,631 |
| Net loans and leases to total assets | 49.9397% | 5,364 |
| Net loans and leases to deposits | 61.6335% | 5,049 |
| Net loans and leases to core deposits | 67.5607% | 4,843 |
| Total domestic deposits to total assets | 81.0269% | 5,460 |
| Equity capital to assets | 15.3293% | 710 |
| Core capital (leverage) ratio | 13.5612% | 958 |
| Tier 1 risk-based capital ratio | 28.5838% | 604 |
| Total risk-based capital ratio | 29.8351% | 589 |
| Memoranda: | ||
| Average total assets | $95,328,000 | 5,024 |
| Average earning assets | $90,936,330 | 4,902 |
| Average equity | $14,492,670 | 4,094 |
| Average total loans | $50,830,670 | 5,161 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4287% | 872 |
| Cost of funding earning assets | 0.8355% | 3,182 |
| Net interest margin | 4.5932% | 832 |
| Noninterest income to average assets | 0.8386% | 1,990 |
| Noninterest expense to average assets | 3.4596% | 1,846 |
| Loan and lease loss provision to assets | 0.3076% | 2,044 |
| Net operating income to assets | 1.4496% | 1,119 |
| Return on assets (ROA) | 1.4496% | 1,251 |
| Pretax return on assets | 1.4496% | 2,022 |
| Return on Equity (ROE) | 9.5752% | 2,571 |
| Retained earnings to average equity (ytd only) | 9.5752% | 1,391 |
| Net charge-offs to loans | 1.0163% | 1,021 |
| Credit loss provision to net charge-offs | 55.3030% | 3,194 |
| Earnings coverage of net charge-offs (x) | 3.1591% | 2,938 |
| Efficiency ratio | 66.3166% | 4,500 |
| Assets per employee ($millions) | 2.7066% | 6,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 5,518 |
| Loan loss allowance to noncurrent loans | 123.7903% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 1.4652% | 3,665 |
| Noncurrent loans to loans | 0.9641% | 4,749 |
| Net loans and leases to total assets | 53.6587% | 4,777 |
| Net loans and leases to deposits | 66.2349% | 4,338 |
| Net loans and leases to core deposits | 73.3867% | 3,972 |
| Total domestic deposits to total assets | 81.0128% | 5,607 |
| Equity capital to assets | 15.1807% | 715 |
| Core capital (leverage) ratio | 13.8497% | 842 |
| Tier 1 risk-based capital ratio | 27.9846% | 645 |
| Total risk-based capital ratio | 29.2365% | 629 |
| Memoranda: | ||
| Average total assets | $94,924,000 | 5,070 |
| Average earning assets | $90,482,500 | 4,946 |
| Average equity | $14,370,500 | 4,119 |
| Average total loans | $51,955,500 | 5,148 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8181% | 618 |
| Cost of funding earning assets | 1.0196% | 3,240 |
| Net interest margin | 4.7985% | 626 |
| Noninterest income to average assets | 0.8174% | 1,975 |
| Noninterest expense to average assets | 3.2684% | 2,622 |
| Loan and lease loss provision to assets | 0.1966% | 4,219 |
| Net operating income to assets | 1.8581% | 416 |
| Return on assets (ROA) | 1.8386% | 463 |
| Pretax return on assets | 1.8386% | 746 |
| Return on Equity (ROE) | 13.0956% | 1,140 |
| Retained earnings to average equity (ytd only) | 1.4811% | 5,152 |
| Net charge-offs to loans | 0.5063% | 2,968 |
| Credit loss provision to net charge-offs | 69.2029% | 4,883 |
| Earnings coverage of net charge-offs (x) | 7.2319% | 2,369 |
| Efficiency ratio | 61.4001% | 5,550 |
| Assets per employee ($millions) | 2.5707% | 6,759 |
| Cash dividends to net income (ytd only)* | 88.6898% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 5,008 |
| Loan loss allowance to noncurrent loans | 157.2430% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 1.1933% | 4,248 |
| Noncurrent loans to loans | 0.8158% | 5,058 |
| Net loans and leases to total assets | 54.4514% | 4,961 |
| Net loans and leases to deposits | 67.3866% | 4,530 |
| Net loans and leases to core deposits | 74.1549% | 4,218 |
| Total domestic deposits to total assets | 80.8045% | 5,510 |
| Equity capital to assets | 15.0974% | 757 |
| Core capital (leverage) ratio | 13.2330% | 1,059 |
| Tier 1 risk-based capital ratio | 26.4569% | 742 |
| Total risk-based capital ratio | 27.7079% | 729 |
| Memoranda: | ||
| Average total assets | $97,141,600 | 4,976 |
| Average earning assets | $91,215,200 | 4,885 |
| Average equity | $13,638,200 | 4,202 |
| Average total loans | $54,516,400 | 5,092 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8419% | 645 |
| Cost of funding earning assets | 1.0522% | 3,303 |
| Net interest margin | 4.7897% | 639 |
| Noninterest income to average assets | 0.7728% | 2,184 |
| Noninterest expense to average assets | 3.2661% | 2,614 |
| Loan and lease loss provision to assets | 0.1297% | 4,810 |
| Net operating income to assets | 1.8583% | 461 |
| Return on assets (ROA) | 1.8324% | 529 |
| Pretax return on assets | 1.8324% | 900 |
| Return on Equity (ROE) | 13.2956% | 1,205 |
| Retained earnings to average equity (ytd only) | 2.7344% | 4,718 |
| Net charge-offs to loans | 0.1114% | 4,894 |
| Credit loss provision to net charge-offs | 206.5217% | 1,418 |
| Earnings coverage of net charge-offs (x) | 31.6530% | 900 |
| Efficiency ratio | 62.1622% | 5,386 |
| Assets per employee ($millions) | 2.6656% | 6,703 |
| Cash dividends to net income (ytd only)* | 79.4337% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4876% | 4,162 |
| Loan loss allowance to noncurrent loans | 77.3730% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.2713% | 4,260 |
| Noncurrent loans to loans | 1.9226% | 3,469 |
| Net loans and leases to total assets | 55.6913% | 4,887 |
| Net loans and leases to deposits | 68.4851% | 4,524 |
| Net loans and leases to core deposits | 76.4487% | 4,143 |
| Total domestic deposits to total assets | 81.3188% | 5,326 |
| Equity capital to assets | 14.9891% | 851 |
| Core capital (leverage) ratio | 13.2792% | 1,116 |
| Tier 1 risk-based capital ratio | 25.0230% | 912 |
| Total risk-based capital ratio | 26.2781% | 900 |
| Memoranda: | ||
| Average total assets | $97,648,000 | 4,991 |
| Average earning assets | $91,360,750 | 4,916 |
| Average equity | $13,457,750 | 4,256 |
| Average total loans | $55,029,250 | 5,114 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8651% | 629 |
| Cost of funding earning assets | 1.0782% | 3,403 |
| Net interest margin | 4.7869% | 614 |
| Noninterest income to average assets | 0.6985% | 2,558 |
| Noninterest expense to average assets | 3.2624% | 2,692 |
| Loan and lease loss provision to assets | 0.1120% | 4,897 |
| Net operating income to assets | 1.7636% | 538 |
| Return on assets (ROA) | 1.7269% | 613 |
| Pretax return on assets | 1.7269% | 997 |
| Return on Equity (ROE) | 12.8983% | 1,222 |
| Retained earnings to average equity (ytd only) | 3.3158% | 4,145 |
| Net charge-offs to loans | 0.0760% | 4,882 |
| Credit loss provision to net charge-offs | 261.9048% | 1,162 |
| Earnings coverage of net charge-offs (x) | 43.8571% | 692 |
| Efficiency ratio | 63.4958% | 5,334 |
| Assets per employee ($millions) | 2.4499% | 6,970 |
| Cash dividends to net income (ytd only)* | 74.2925% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4652% | 4,279 |
| Loan loss allowance to noncurrent loans | 63.0573% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 1.4266% | 4,076 |
| Noncurrent loans to loans | 2.3236% | 3,068 |
| Net loans and leases to total assets | 53.0255% | 5,431 |
| Net loans and leases to deposits | 65.0258% | 5,146 |
| Net loans and leases to core deposits | 72.1698% | 4,793 |
| Total domestic deposits to total assets | 81.5453% | 5,336 |
| Equity capital to assets | 13.5894% | 1,249 |
| Core capital (leverage) ratio | 13.1800% | 1,092 |
| Tier 1 risk-based capital ratio | 24.1699% | 987 |
| Total risk-based capital ratio | 25.4238% | 962 |
| Memoranda: | ||
| Average total assets | $98,209,670 | 5,017 |
| Average earning assets | $91,081,330 | 4,965 |
| Average equity | $13,149,000 | 4,306 |
| Average total loans | $55,289,000 | 5,160 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0754% | 416 |
| Cost of funding earning assets | 1.1129% | 3,439 |
| Net interest margin | 4.9626% | 411 |
| Noninterest income to average assets | 0.7168% | 2,473 |
| Noninterest expense to average assets | 3.2711% | 2,644 |
| Loan and lease loss provision to assets | 0.1524% | 4,119 |
| Net operating income to assets | 1.8127% | 483 |
| Return on assets (ROA) | 1.7386% | 572 |
| Pretax return on assets | 1.7386% | 909 |
| Return on Equity (ROE) | 13.0868% | 1,171 |
| Retained earnings to average equity (ytd only) | 13.0868% | 574 |
| Net charge-offs to loans | 0.0572% | 4,359 |
| Credit loss provision to net charge-offs | 462.5000% | 762 |
| Earnings coverage of net charge-offs (x) | 59.6250% | 496 |
| Efficiency ratio | 62.4705% | 5,601 |
| Assets per employee ($millions) | 2.2998% | 7,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4525% | 4,425 |
| Loan loss allowance to noncurrent loans | 169.2473% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.7164% | 5,506 |
| Noncurrent loans to loans | 0.8582% | 5,326 |
| Net loans and leases to total assets | 55.2805% | 5,118 |
| Net loans and leases to deposits | 67.8036% | 4,704 |
| Net loans and leases to core deposits | 75.5739% | 4,355 |
| Total domestic deposits to total assets | 81.5304% | 5,484 |
| Equity capital to assets | 13.5468% | 1,168 |
| Core capital (leverage) ratio | 13.3966% | 996 |
| Tier 1 risk-based capital ratio | 24.7001% | 910 |
| Total risk-based capital ratio | 25.9534% | 888 |
| Memoranda: | ||
| Average total assets | $97,091,500 | 5,080 |
| Average earning assets | $88,421,500 | 5,078 |
| Average equity | $12,898,500 | 4,362 |
| Average total loans | $55,906,500 | 5,180 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1548% | 626 |
| Cost of funding earning assets | 1.2368% | 4,312 |
| Net interest margin | 4.9179% | 519 |
| Noninterest income to average assets | 0.7370% | 2,610 |
| Noninterest expense to average assets | 3.2694% | 2,836 |
| Loan and lease loss provision to assets | 0.3572% | 3,979 |
| Net operating income to assets | 1.7389% | 477 |
| Return on assets (ROA) | 1.7389% | 519 |
| Pretax return on assets | 1.7389% | 873 |
| Return on Equity (ROE) | 12.7718% | 1,154 |
| Retained earnings to average equity (ytd only) | 1.0027% | 5,039 |
| Net charge-offs to loans | 0.4559% | 3,795 |
| Credit loss provision to net charge-offs | 129.8507% | 3,072 |
| Earnings coverage of net charge-offs (x) | 7.6194% | 2,099 |
| Efficiency ratio | 60.9336% | 5,903 |
| Assets per employee ($millions) | 2.6376% | 6,789 |
| Cash dividends to net income (ytd only)* | 92.1488% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 4,924 |
| Loan loss allowance to noncurrent loans | 58.5328% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 1.5596% | 3,965 |
| Noncurrent loans to loans | 2.2471% | 3,277 |
| Net loans and leases to total assets | 58.2753% | 4,981 |
| Net loans and leases to deposits | 71.0944% | 4,671 |
| Net loans and leases to core deposits | 81.5463% | 3,969 |
| Total domestic deposits to total assets | 81.9688% | 5,201 |
| Equity capital to assets | 13.0257% | 1,379 |
| Core capital (leverage) ratio | 12.5361% | 1,300 |
| Tier 1 risk-based capital ratio | 22.9606% | 1,043 |
| Total risk-based capital ratio | 24.2129% | 1,022 |
| Memoranda: | ||
| Average total assets | $97,419,600 | 5,066 |
| Average earning assets | $91,684,800 | 4,956 |
| Average equity | $13,263,600 | 4,313 |
| Average total loans | $58,786,400 | 5,120 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1428% | 694 |
| Cost of funding earning assets | 1.2341% | 4,664 |
| Net interest margin | 4.9088% | 546 |
| Noninterest income to average assets | 0.7476% | 2,525 |
| Noninterest expense to average assets | 3.2546% | 2,726 |
| Loan and lease loss provision to assets | 0.3779% | 3,621 |
| Net operating income to assets | 1.7553% | 558 |
| Return on assets (ROA) | 1.7553% | 609 |
| Pretax return on assets | 1.7553% | 1,005 |
| Return on Equity (ROE) | 12.7545% | 1,329 |
| Retained earnings to average equity (ytd only) | 2.7260% | 4,520 |
| Net charge-offs to loans | 0.3521% | 3,894 |
| Credit loss provision to net charge-offs | 176.9231% | 2,080 |
| Earnings coverage of net charge-offs (x) | 9.9874% | 1,931 |
| Efficiency ratio | 60.4066% | 5,888 |
| Assets per employee ($millions) | 2.5382% | 7,031 |
| Cash dividends to net income (ytd only)* | 78.6274% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 4,677 |
| Loan loss allowance to noncurrent loans | 50.6989% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 1.6759% | 3,936 |
| Noncurrent loans to loans | 2.6797% | 2,951 |
| Net loans and leases to total assets | 58.5316% | 5,177 |
| Net loans and leases to deposits | 72.4960% | 4,762 |
| Net loans and leases to core deposits | 83.0791% | 4,081 |
| Total domestic deposits to total assets | 80.7376% | 5,467 |
| Equity capital to assets | 14.1690% | 1,117 |
| Core capital (leverage) ratio | 12.7937% | 1,301 |
| Tier 1 risk-based capital ratio | 23.0786% | 1,054 |
| Total risk-based capital ratio | 24.3306% | 1,027 |
| Memoranda: | ||
| Average total assets | $97,376,500 | 5,128 |
| Average earning assets | $92,050,750 | 5,007 |
| Average equity | $13,401,500 | 4,348 |
| Average total loans | $59,075,500 | 5,183 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1659% | 664 |
| Cost of funding earning assets | 1.2332% | 4,940 |
| Net interest margin | 4.9327% | 497 |
| Noninterest income to average assets | 0.7229% | 2,561 |
| Noninterest expense to average assets | 3.2590% | 2,697 |
| Loan and lease loss provision to assets | 0.3986% | 3,331 |
| Net operating income to assets | 1.7245% | 561 |
| Return on assets (ROA) | 1.7245% | 614 |
| Pretax return on assets | 1.7245% | 1,015 |
| Return on Equity (ROE) | 12.6579% | 1,320 |
| Retained earnings to average equity (ytd only) | 3.2289% | 4,050 |
| Net charge-offs to loans | 0.3143% | 3,751 |
| Credit loss provision to net charge-offs | 207.5269% | 1,872 |
| Earnings coverage of net charge-offs (x) | 11.0538% | 1,807 |
| Efficiency ratio | 60.5526% | 5,942 |
| Assets per employee ($millions) | 2.4641% | 7,148 |
| Cash dividends to net income (ytd only)* | 74.4910% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 4,844 |
| Loan loss allowance to noncurrent loans | 45.2063% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 1.7908% | 3,769 |
| Noncurrent loans to loans | 2.9010% | 2,755 |
| Net loans and leases to total assets | 60.9224% | 4,882 |
| Net loans and leases to deposits | 75.3937% | 4,441 |
| Net loans and leases to core deposits | 85.5038% | 3,909 |
| Total domestic deposits to total assets | 80.8056% | 5,467 |
| Equity capital to assets | 14.1611% | 1,113 |
| Core capital (leverage) ratio | 13.0872% | 1,179 |
| Tier 1 risk-based capital ratio | 23.3236% | 1,023 |
| Total risk-based capital ratio | 24.5764% | 997 |
| Memoranda: | ||
| Average total assets | $96,838,330 | 5,169 |
| Average earning assets | $91,470,330 | 5,047 |
| Average equity | $13,193,330 | 4,398 |
| Average total loans | $59,187,670 | 5,220 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1342% | 731 |
| Cost of funding earning assets | 1.2730% | 4,979 |
| Net interest margin | 4.8611% | 571 |
| Noninterest income to average assets | 0.6666% | 2,835 |
| Noninterest expense to average assets | 3.1068% | 3,233 |
| Loan and lease loss provision to assets | 0.3868% | 3,042 |
| Net operating income to assets | 1.7612% | 542 |
| Return on assets (ROA) | 1.7612% | 591 |
| Pretax return on assets | 1.7612% | 953 |
| Return on Equity (ROE) | 13.1839% | 1,217 |
| Retained earnings to average equity (ytd only) | 13.1839% | 597 |
| Net charge-offs to loans | 0.1962% | 3,735 |
| Credit loss provision to net charge-offs | 324.1379% | 1,222 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,249 |
| Efficiency ratio | 59.1229% | 6,323 |
| Assets per employee ($millions) | 2.5117% | 7,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2612% | 5,146 |
| Loan loss allowance to noncurrent loans | 68.3533% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 1.2384% | 4,700 |
| Noncurrent loans to loans | 1.8451% | 3,998 |
| Net loans and leases to total assets | 60.9450% | 4,951 |
| Net loans and leases to deposits | 75.1635% | 4,550 |
| Net loans and leases to core deposits | 85.5515% | 3,967 |
| Total domestic deposits to total assets | 81.0833% | 5,431 |
| Equity capital to assets | 13.8436% | 1,193 |
| Core capital (leverage) ratio | 13.1711% | 1,166 |
| Tier 1 risk-based capital ratio | 23.8487% | 978 |
| Total risk-based capital ratio | 25.1008% | 957 |
| Memoranda: | ||
| Average total assets | $97,207,000 | 5,230 |
| Average earning assets | $91,748,500 | 5,111 |
| Average equity | $12,985,500 | 4,477 |
| Average total loans | $59,119,000 | 5,287 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2028% | 1,236 |
| Cost of funding earning assets | 1.5231% | 5,415 |
| Net interest margin | 4.6797% | 870 |
| Noninterest income to average assets | 0.7210% | 2,846 |
| Noninterest expense to average assets | 3.1068% | 3,704 |
| Loan and lease loss provision to assets | 0.3497% | 4,706 |
| Net operating income to assets | 1.6884% | 460 |
| Return on assets (ROA) | 1.6884% | 484 |
| Pretax return on assets | 1.6884% | 805 |
| Return on Equity (ROE) | 12.5353% | 1,046 |
| Retained earnings to average equity (ytd only) | 1.5641% | 3,983 |
| Net charge-offs to loans | 0.3653% | 4,394 |
| Credit loss provision to net charge-offs | 158.3333% | 2,835 |
| Earnings coverage of net charge-offs (x) | 9.2269% | 1,829 |
| Efficiency ratio | 60.3856% | 6,418 |
| Assets per employee ($millions) | 2.7491% | 6,756 |
| Cash dividends to net income (ytd only)* | 87.5227% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1428% | 5,677 |
| Loan loss allowance to noncurrent loans | 52.4768% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 1.3055% | 4,476 |
| Noncurrent loans to loans | 2.1778% | 3,411 |
| Net loans and leases to total assets | 59.2590% | 5,455 |
| Net loans and leases to deposits | 72.0129% | 5,325 |
| Net loans and leases to core deposits | 100.1982% | 3,975 |
| Total domestic deposits to total assets | 82.2894% | 4,822 |
| Equity capital to assets | 12.8909% | 1,548 |
| Core capital (leverage) ratio | 12.5317% | 1,438 |
| Tier 1 risk-based capital ratio | 22.7269% | 1,071 |
| Total risk-based capital ratio | 23.9743% | 1,052 |
| Memoranda: | ||
| Average total assets | $97,786,000 | 5,146 |
| Average earning assets | $92,441,800 | 5,046 |
| Average equity | $13,170,800 | 4,467 |
| Average total loans | $59,127,800 | 5,295 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2145% | 1,337 |
| Cost of funding earning assets | 1.5764% | 5,511 |
| Net interest margin | 4.6381% | 926 |
| Noninterest income to average assets | 0.7481% | 2,721 |
| Noninterest expense to average assets | 3.1852% | 3,349 |
| Loan and lease loss provision to assets | 0.3433% | 4,268 |
| Net operating income to assets | 1.6097% | 654 |
| Return on assets (ROA) | 1.6097% | 703 |
| Pretax return on assets | 1.6097% | 1,153 |
| Return on Equity (ROE) | 11.8223% | 1,406 |
| Retained earnings to average equity (ytd only) | 2.5312% | 3,903 |
| Net charge-offs to loans | 0.4107% | 3,622 |
| Credit loss provision to net charge-offs | 137.9121% | 3,588 |
| Earnings coverage of net charge-offs (x) | 7.8462% | 2,340 |
| Efficiency ratio | 61.9910% | 6,103 |
| Assets per employee ($millions) | 2.6347% | 6,979 |
| Cash dividends to net income (ytd only)* | 78.5897% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 6,067 |
| Loan loss allowance to noncurrent loans | 56.3010% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 1.1602% | 4,759 |
| Noncurrent loans to loans | 1.8459% | 3,849 |
| Net loans and leases to total assets | 60.6582% | 5,477 |
| Net loans and leases to deposits | 74.6918% | 5,266 |
| Net loans and leases to core deposits | 105.4215% | 3,768 |
| Total domestic deposits to total assets | 81.2113% | 4,994 |
| Equity capital to assets | 13.5325% | 1,485 |
| Core capital (leverage) ratio | 12.5960% | 1,542 |
| Tier 1 risk-based capital ratio | 20.8314% | 1,390 |
| Total risk-based capital ratio | 21.8749% | 1,390 |
| Memoranda: | ||
| Average total assets | $97,490,250 | 5,193 |
| Average earning assets | $92,276,500 | 5,092 |
| Average equity | $13,274,000 | 4,470 |
| Average total loans | $59,078,250 | 5,332 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1920% | 1,482 |
| Cost of funding earning assets | 1.6273% | 5,625 |
| Net interest margin | 4.5647% | 1,025 |
| Noninterest income to average assets | 0.7160% | 2,894 |
| Noninterest expense to average assets | 3.1285% | 3,587 |
| Loan and lease loss provision to assets | 0.3180% | 4,039 |
| Net operating income to assets | 1.5796% | 711 |
| Return on assets (ROA) | 1.5796% | 775 |
| Pretax return on assets | 1.5796% | 1,255 |
| Return on Equity (ROE) | 11.5778% | 1,540 |
| Retained earnings to average equity (ytd only) | 2.8117% | 3,756 |
| Net charge-offs to loans | 0.4860% | 2,884 |
| Credit loss provision to net charge-offs | 108.3916% | 4,266 |
| Earnings coverage of net charge-offs (x) | 6.4685% | 2,611 |
| Efficiency ratio | 62.2449% | 6,214 |
| Assets per employee ($millions) | 2.5979% | 7,056 |
| Cash dividends to net income (ytd only)* | 75.7143% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9524% | 6,539 |
| Loan loss allowance to noncurrent loans | 51.3661% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 1.1781% | 4,586 |
| Noncurrent loans to loans | 1.8542% | 3,726 |
| Net loans and leases to total assets | 59.4123% | 5,776 |
| Net loans and leases to deposits | 73.0605% | 5,600 |
| Net loans and leases to core deposits | 101.6552% | 4,318 |
| Total domestic deposits to total assets | 81.3193% | 4,955 |
| Equity capital to assets | 13.0761% | 1,669 |
| Core capital (leverage) ratio | 12.6466% | 1,564 |
| Tier 1 risk-based capital ratio | 20.4466% | 1,498 |
| Total risk-based capital ratio | 21.3816% | 1,515 |
| Memoranda: | ||
| Average total assets | $97,492,330 | 5,233 |
| Average earning assets | $92,054,000 | 5,119 |
| Average equity | $13,301,330 | 4,468 |
| Average total loans | $58,853,330 | 5,387 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2821% | 1,352 |
| Cost of funding earning assets | 1.7013% | 5,590 |
| Net interest margin | 4.5808% | 971 |
| Noninterest income to average assets | 0.7226% | 2,749 |
| Noninterest expense to average assets | 3.1050% | 3,354 |
| Loan and lease loss provision to assets | 0.2932% | 3,605 |
| Net operating income to assets | 1.6268% | 752 |
| Return on assets (ROA) | 1.6268% | 822 |
| Pretax return on assets | 1.6268% | 1,341 |
| Return on Equity (ROE) | 11.6762% | 1,766 |
| Retained earnings to average equity (ytd only) | 11.6762% | 853 |
| Net charge-offs to loans | 0.4091% | 2,468 |
| Credit loss provision to net charge-offs | 118.3333% | 3,311 |
| Earnings coverage of net charge-offs (x) | 7.7500% | 2,304 |
| Efficiency ratio | 61.7913% | 6,096 |
| Assets per employee ($millions) | 2.5481% | 7,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9585% | 6,439 |
| Loan loss allowance to noncurrent loans | 60.4077% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 0.9914% | 4,713 |
| Noncurrent loans to loans | 1.5867% | 3,897 |
| Net loans and leases to total assets | 60.0797% | 5,637 |
| Net loans and leases to deposits | 75.1330% | 5,323 |
| Net loans and leases to core deposits | 104.8804% | 4,043 |
| Total domestic deposits to total assets | 79.9645% | 5,384 |
| Equity capital to assets | 14.0073% | 1,361 |
| Core capital (leverage) ratio | 12.2519% | 1,788 |
| Tier 1 risk-based capital ratio | 20.1513% | 1,599 |
| Total risk-based capital ratio | 21.1151% | 1,599 |
| Memoranda: | ||
| Average total assets | $96,877,500 | 5,277 |
| Average earning assets | $90,988,500 | 5,189 |
| Average equity | $13,497,500 | 4,445 |
| Average total loans | $58,671,500 | 5,418 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6717% | 2,143 |
| Cost of funding earning assets | 2.1501% | 5,832 |
| Net interest margin | 4.5216% | 1,371 |
| Noninterest income to average assets | 0.7643% | 2,697 |
| Noninterest expense to average assets | 3.1176% | 3,635 |
| Loan and lease loss provision to assets | 0.2686% | 4,250 |
| Net operating income to assets | 1.6525% | 744 |
| Return on assets (ROA) | 1.6525% | 714 |
| Pretax return on assets | 1.6525% | 1,254 |
| Return on Equity (ROE) | 11.9850% | 1,600 |
| Retained earnings to average equity (ytd only) | 0.7703% | 4,765 |
| Net charge-offs to loans | 0.4233% | 2,702 |
| Credit loss provision to net charge-offs | 101.9763% | 5,223 |
| Earnings coverage of net charge-offs (x) | 7.2925% | 3,147 |
| Efficiency ratio | 61.8723% | 5,977 |
| Assets per employee ($millions) | 2.5507% | 7,110 |
| Cash dividends to net income (ytd only)* | 93.5728% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 6,439 |
| Loan loss allowance to noncurrent loans | 51.2535% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 1.1400% | 3,990 |
| Noncurrent loans to loans | 1.8377% | 3,004 |
| Net loans and leases to total assets | 59.8946% | 5,925 |
| Net loans and leases to deposits | 74.7637% | 5,766 |
| Net loans and leases to core deposits | 103.3504% | 4,462 |
| Total domestic deposits to total assets | 80.1118% | 4,975 |
| Equity capital to assets | 13.8579% | 1,474 |
| Core capital (leverage) ratio | 11.9188% | 2,013 |
| Tier 1 risk-based capital ratio | 20.4335% | 1,549 |
| Total risk-based capital ratio | 21.4249% | 1,557 |
| Memoranda: | ||
| Average total assets | $96,036,800 | 5,171 |
| Average earning assets | $90,786,800 | 5,058 |
| Average equity | $13,241,600 | 4,511 |
| Average total loans | $59,765,400 | 5,280 |