Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3566% | 1,384 |
| Cost of funding earning assets | 1.0267% | 3,236 |
| Net interest margin | 4.3299% | 774 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.7729% | 1,571 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.6721% | 768 |
| Return on assets (ROA) | 1.6721% | 739 |
| Pretax return on assets | 1.6721% | 1,115 |
| Return on Equity (ROE) | 20.0400% | 614 |
| Retained earnings to average equity (ytd only) | 9.0073% | 1,253 |
| Net charge-offs to loans | -0.0211% | 4,174 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.5175% | 2,906 |
| Assets per employee ($millions) | 5.3033% | 3,394 |
| Cash dividends to net income (ytd only)* | 55.0587% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9165% | 124 |
| Loan loss allowance to noncurrent loans | 620.2970% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.2539% | 1,942 |
| Noncurrent loans to loans | 0.4702% | 1,607 |
| Net loans and leases to total assets | 52.4300% | 3,460 |
| Net loans and leases to deposits | 58.2688% | 3,621 |
| Net loans and leases to core deposits | 61.3482% | 3,709 |
| Total domestic deposits to total assets | 89.9800% | 762 |
| Equity capital to assets | 9.5110% | 2,340 |
| Core capital (leverage) ratio | 13.3329% | 958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $81,574,000 | 4,002 |
| Average earning assets | $78,016,000 | 3,948 |
| Average equity | $6,805,600 | 4,071 |
| Average total loans | $42,555,000 | 3,957 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2537% | 1,353 |
| Cost of funding earning assets | 0.9268% | 3,209 |
| Net interest margin | 4.3269% | 779 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.6624% | 1,760 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.7738% | 701 |
| Return on assets (ROA) | 1.7738% | 687 |
| Pretax return on assets | 1.7738% | 1,042 |
| Return on Equity (ROE) | 22.0100% | 557 |
| Retained earnings to average equity (ytd only) | 11.0848% | 1,145 |
| Net charge-offs to loans | -0.0126% | 3,996 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.0418% | 3,081 |
| Assets per employee ($millions) | 5.2259% | 3,410 |
| Cash dividends to net income (ytd only)* | 49.6337% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0486% | 118 |
| Loan loss allowance to noncurrent loans | 110.0089% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 1.4403% | 265 |
| Noncurrent loans to loans | 2.7712% | 164 |
| Net loans and leases to total assets | 50.3900% | 3,589 |
| Net loans and leases to deposits | 55.1294% | 3,746 |
| Net loans and leases to core deposits | 57.6033% | 3,793 |
| Total domestic deposits to total assets | 91.4000% | 580 |
| Equity capital to assets | 8.0305% | 3,036 |
| Core capital (leverage) ratio | 13.1547% | 1,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $82,080,000 | 4,015 |
| Average earning assets | $78,546,000 | 3,963 |
| Average equity | $6,615,500 | 4,093 |
| Average total loans | $42,453,000 | 3,969 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0761% | 1,409 |
| Cost of funding earning assets | 0.7917% | 3,229 |
| Net interest margin | 4.2844% | 824 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.5903% | 1,952 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.7981% | 662 |
| Return on assets (ROA) | 1.7981% | 661 |
| Pretax return on assets | 1.7981% | 1,010 |
| Return on Equity (ROE) | 22.2800% | 527 |
| Retained earnings to average equity (ytd only) | 11.1866% | 1,154 |
| Net charge-offs to loans | -0.0604% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.1358% | 3,175 |
| Assets per employee ($millions) | 5.7381% | 2,936 |
| Cash dividends to net income (ytd only)* | 49.7997% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9739% | 133 |
| Loan loss allowance to noncurrent loans | 596.1353% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.2577% | 1,910 |
| Noncurrent loans to loans | 0.4989% | 1,462 |
| Net loans and leases to total assets | 50.1200% | 3,553 |
| Net loans and leases to deposits | 55.0368% | 3,696 |
| Net loans and leases to core deposits | 57.5011% | 3,739 |
| Total domestic deposits to total assets | 91.0600% | 632 |
| Equity capital to assets | 8.5034% | 2,860 |
| Core capital (leverage) ratio | 12.5733% | 1,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $83,310,333 | 4,017 |
| Average earning assets | $79,825,000 | 3,971 |
| Average equity | $6,722,333 | 4,104 |
| Average total loans | $43,024,000 | 3,977 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9167% | 1,381 |
| Cost of funding earning assets | 0.6447% | 3,242 |
| Net interest margin | 4.2719% | 854 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.4623% | 2,342 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.9576% | 526 |
| Return on assets (ROA) | 1.9576% | 515 |
| Pretax return on assets | 1.9576% | 837 |
| Return on Equity (ROE) | 24.9000% | 410 |
| Retained earnings to average equity (ytd only) | 24.8950% | 181 |
| Net charge-offs to loans | -0.2375% | 4,608 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.3552% | 3,474 |
| Assets per employee ($millions) | 5.5689% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8148% | 157 |
| Loan loss allowance to noncurrent loans | 537.7193% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.2729% | 1,778 |
| Noncurrent loans to loans | 0.5235% | 1,412 |
| Net loans and leases to total assets | 50.6700% | 3,445 |
| Net loans and leases to deposits | 55.5834% | 3,592 |
| Net loans and leases to core deposits | 57.9683% | 3,633 |
| Total domestic deposits to total assets | 91.1700% | 747 |
| Equity capital to assets | 8.4924% | 2,902 |
| Core capital (leverage) ratio | 12.3564% | 1,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $84,799,000 | 4,052 |
| Average earning assets | $81,274,500 | 4,003 |
| Average equity | $6,668,000 | 4,164 |
| Average total loans | $43,789,000 | 4,000 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0705% | 1,541 |
| Cost of funding earning assets | 0.2554% | 3,278 |
| Net interest margin | 3.8151% | 1,131 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.4975% | 2,124 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.3517% | 1,277 |
| Return on assets (ROA) | 1.3493% | 1,238 |
| Pretax return on assets | 1.3493% | 1,935 |
| Return on Equity (ROE) | 16.0000% | 1,056 |
| Retained earnings to average equity (ytd only) | 9.4162% | 1,349 |
| Net charge-offs to loans | -0.1389% | 4,579 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.4962% | 2,697 |
| Assets per employee ($millions) | 6.6203% | 2,245 |
| Cash dividends to net income (ytd only)* | 41.1607% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7099% | 172 |
| Loan loss allowance to noncurrent loans | 523.2456% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.2649% | 1,836 |
| Noncurrent loans to loans | 0.5179% | 1,409 |
| Net loans and leases to total assets | 49.7700% | 3,520 |
| Net loans and leases to deposits | 53.8106% | 3,687 |
| Net loans and leases to core deposits | 56.2960% | 3,708 |
| Total domestic deposits to total assets | 92.4800% | 528 |
| Equity capital to assets | 7.2527% | 3,520 |
| Core capital (leverage) ratio | 11.6971% | 1,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $83,003,600 | 4,092 |
| Average earning assets | $79,081,200 | 4,045 |
| Average equity | $6,998,600 | 4,213 |
| Average total loans | $37,449,000 | 4,111 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8118% | 1,721 |
| Cost of funding earning assets | 0.2097% | 3,154 |
| Net interest margin | 3.6021% | 1,385 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.5259% | 1,934 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.1203% | 2,002 |
| Return on assets (ROA) | 1.1170% | 1,982 |
| Pretax return on assets | 1.1170% | 2,670 |
| Return on Equity (ROE) | 12.7800% | 1,781 |
| Retained earnings to average equity (ytd only) | 7.6239% | 2,142 |
| Net charge-offs to loans | -0.1974% | 4,640 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.7238% | 2,191 |
| Assets per employee ($millions) | 5.8980% | 2,849 |
| Cash dividends to net income (ytd only)* | 40.3483% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1137% | 120 |
| Loan loss allowance to noncurrent loans | 459.5238% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.3052% | 1,727 |
| Noncurrent loans to loans | 0.6776% | 1,202 |
| Net loans and leases to total assets | 43.6400% | 3,899 |
| Net loans and leases to deposits | 46.8954% | 3,996 |
| Net loans and leases to core deposits | 49.1402% | 3,991 |
| Total domestic deposits to total assets | 93.0500% | 567 |
| Equity capital to assets | 6.5385% | 3,722 |
| Core capital (leverage) ratio | 11.3183% | 1,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $82,238,500 | 4,126 |
| Average earning assets | $78,211,750 | 4,083 |
| Average equity | $7,187,750 | 4,230 |
| Average total loans | $35,805,500 | 4,158 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6043% | 1,836 |
| Cost of funding earning assets | 0.1774% | 3,211 |
| Net interest margin | 3.4269% | 1,523 |
| Noninterest income to average assets | 0.3580% | 3,003 |
| Noninterest expense to average assets | 2.5205% | 1,863 |
| Loan and lease loss provision to assets | 0.1729% | 515 |
| Net operating income to assets | 0.9108% | 2,537 |
| Return on assets (ROA) | 0.9108% | 2,506 |
| Pretax return on assets | 0.9108% | 3,021 |
| Return on Equity (ROE) | 9.6095% | 2,484 |
| Retained earnings to average equity (ytd only) | 5.8582% | 2,382 |
| Net charge-offs to loans | -0.0622% | 4,315 |
| Credit loss provision to net charge-offs | -645.4545% | 3,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9324% | 1,969 |
| Assets per employee ($millions) | 5.9810% | 2,761 |
| Cash dividends to net income (ytd only)* | 39.0374% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9157% | 152 |
| Loan loss allowance to noncurrent loans | 655.3571% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.2006% | 2,321 |
| Noncurrent loans to loans | 0.4449% | 1,787 |
| Net loans and leases to total assets | 43.7815% | 3,849 |
| Net loans and leases to deposits | 47.6438% | 3,936 |
| Net loans and leases to core deposits | 49.9197% | 3,938 |
| Total domestic deposits to total assets | 91.8934% | 882 |
| Equity capital to assets | 7.7794% | 3,286 |
| Core capital (leverage) ratio | 11.3474% | 1,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,127,333 | 4,176 |
| Average earning assets | $77,796,667 | 4,144 |
| Average equity | $7,784,000 | 4,226 |
| Average total loans | $35,343,667 | 4,225 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4262% | 2,015 |
| Cost of funding earning assets | 0.1674% | 3,258 |
| Net interest margin | 3.2588% | 1,688 |
| Noninterest income to average assets | 0.3148% | 3,212 |
| Noninterest expense to average assets | 2.5921% | 1,635 |
| Loan and lease loss provision to assets | 0.1476% | 537 |
| Net operating income to assets | 0.6394% | 3,264 |
| Return on assets (ROA) | 0.6394% | 3,247 |
| Pretax return on assets | 0.6394% | 3,536 |
| Return on Equity (ROE) | 6.1765% | 3,296 |
| Retained earnings to average equity (ytd only) | 6.1765% | 2,186 |
| Net charge-offs to loans | 0.5742% | 121 |
| Credit loss provision to net charge-offs | 61.2245% | 1,166 |
| Earnings coverage of net charge-offs (x) | 3.2653% | 1,675 |
| Efficiency ratio | 76.7103% | 1,448 |
| Assets per employee ($millions) | 5.8008% | 2,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7385% | 212 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 1,884 |
| Noncurrent loans to loans | 0.6846% | 1,385 |
| Net loans and leases to total assets | 43.7330% | 3,754 |
| Net loans and leases to deposits | 48.3290% | 3,846 |
| Net loans and leases to core deposits | 50.7509% | 3,831 |
| Total domestic deposits to total assets | 90.4902% | 1,305 |
| Equity capital to assets | 9.2266% | 2,506 |
| Core capital (leverage) ratio | 11.3247% | 1,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,324,000 | 4,206 |
| Average earning assets | $76,469,000 | 4,182 |
| Average equity | $8,419,000 | 4,226 |
| Average total loans | $34,135,000 | 4,261 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8468% | 1,751 |
| Cost of funding earning assets | 0.1829% | 3,625 |
| Net interest margin | 3.6639% | 1,306 |
| Noninterest income to average assets | 0.3568% | 3,301 |
| Noninterest expense to average assets | 2.4711% | 2,274 |
| Loan and lease loss provision to assets | 0.0561% | 1,923 |
| Net operating income to assets | 1.3272% | 1,529 |
| Return on assets (ROA) | 1.3272% | 1,565 |
| Pretax return on assets | 1.3272% | 2,274 |
| Return on Equity (ROE) | 11.2165% | 2,094 |
| Retained earnings to average equity (ytd only) | 4.5962% | 2,969 |
| Net charge-offs to loans | -0.0211% | 4,003 |
| Credit loss provision to net charge-offs | -642.8571% | 3,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1100% | 2,553 |
| Assets per employee ($millions) | 5.4291% | 3,327 |
| Cash dividends to net income (ytd only)* | 59.0226% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2090% | 124 |
| Loan loss allowance to noncurrent loans | 463.1818% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.2701% | 2,199 |
| Noncurrent loans to loans | 0.6928% | 1,452 |
| Net loans and leases to total assets | 37.7408% | 4,210 |
| Net loans and leases to deposits | 42.7492% | 4,238 |
| Net loans and leases to core deposits | 44.6918% | 4,240 |
| Total domestic deposits to total assets | 88.2842% | 1,883 |
| Equity capital to assets | 11.4751% | 1,521 |
| Core capital (leverage) ratio | 11.1467% | 1,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,166,000 | 4,218 |
| Average earning assets | $76,530,800 | 4,179 |
| Average equity | $9,486,000 | 4,196 |
| Average total loans | $33,165,400 | 4,311 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0287% | 1,473 |
| Cost of funding earning assets | 0.1860% | 3,753 |
| Net interest margin | 3.8427% | 1,035 |
| Noninterest income to average assets | 0.3523% | 3,345 |
| Noninterest expense to average assets | 2.4412% | 2,303 |
| Loan and lease loss provision to assets | 0.0751% | 1,549 |
| Net operating income to assets | 1.5279% | 1,203 |
| Return on assets (ROA) | 1.5279% | 1,246 |
| Pretax return on assets | 1.5279% | 1,911 |
| Return on Equity (ROE) | 12.8131% | 1,760 |
| Retained earnings to average equity (ytd only) | 5.1953% | 3,147 |
| Net charge-offs to loans | -0.0477% | 4,336 |
| Credit loss provision to net charge-offs | -375.0000% | 3,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3633% | 2,934 |
| Assets per employee ($millions) | 5.4171% | 3,292 |
| Cash dividends to net income (ytd only)* | 59.4536% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2105% | 127 |
| Loan loss allowance to noncurrent loans | 504.4335% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 2,531 |
| Noncurrent loans to loans | 0.6365% | 1,716 |
| Net loans and leases to total assets | 37.9918% | 4,299 |
| Net loans and leases to deposits | 43.2197% | 4,337 |
| Net loans and leases to core deposits | 45.1641% | 4,350 |
| Total domestic deposits to total assets | 87.9038% | 1,900 |
| Equity capital to assets | 11.7590% | 1,509 |
| Core capital (leverage) ratio | 11.0061% | 1,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,848,250 | 4,271 |
| Average earning assets | $76,714,750 | 4,226 |
| Average equity | $9,521,250 | 4,248 |
| Average total loans | $33,518,250 | 4,368 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4598% | 776 |
| Cost of funding earning assets | 0.1916% | 3,835 |
| Net interest margin | 4.2682% | 517 |
| Noninterest income to average assets | 0.3603% | 3,298 |
| Noninterest expense to average assets | 2.4541% | 2,295 |
| Loan and lease loss provision to assets | 0.1134% | 1,114 |
| Net operating income to assets | 1.8897% | 605 |
| Return on assets (ROA) | 1.8897% | 628 |
| Pretax return on assets | 1.8897% | 1,042 |
| Return on Equity (ROE) | 15.7729% | 1,000 |
| Retained earnings to average equity (ytd only) | 6.5405% | 2,607 |
| Net charge-offs to loans | -0.0646% | 4,465 |
| Credit loss provision to net charge-offs | -409.0909% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0594% | 3,669 |
| Assets per employee ($millions) | 5.4712% | 3,159 |
| Cash dividends to net income (ytd only)* | 58.5333% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0162% | 151 |
| Loan loss allowance to noncurrent loans | 471.4286% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.2644% | 2,612 |
| Noncurrent loans to loans | 0.6398% | 1,813 |
| Net loans and leases to total assets | 40.0814% | 4,285 |
| Net loans and leases to deposits | 45.4714% | 4,330 |
| Net loans and leases to core deposits | 47.4873% | 4,350 |
| Total domestic deposits to total assets | 88.1464% | 1,749 |
| Equity capital to assets | 11.5831% | 1,580 |
| Core capital (leverage) ratio | 11.0422% | 1,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,378,667 | 4,300 |
| Average earning assets | $76,191,333 | 4,258 |
| Average equity | $9,510,000 | 4,262 |
| Average total loans | $34,059,333 | 4,393 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9716% | 374 |
| Cost of funding earning assets | 0.1976% | 3,935 |
| Net interest margin | 4.7740% | 245 |
| Noninterest income to average assets | 0.3434% | 3,376 |
| Noninterest expense to average assets | 2.4605% | 2,295 |
| Loan and lease loss provision to assets | 0.1794% | 689 |
| Net operating income to assets | 2.2862% | 366 |
| Return on assets (ROA) | 2.2862% | 395 |
| Pretax return on assets | 2.2862% | 599 |
| Return on Equity (ROE) | 18.7553% | 649 |
| Retained earnings to average equity (ytd only) | 18.7553% | 325 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9480% | 4,185 |
| Assets per employee ($millions) | 5.3155% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9035% | 165 |
| Loan loss allowance to noncurrent loans | 394.4882% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.3186% | 2,549 |
| Noncurrent loans to loans | 0.7360% | 1,759 |
| Net loans and leases to total assets | 42.0258% | 4,235 |
| Net loans and leases to deposits | 47.8973% | 4,267 |
| Net loans and leases to core deposits | 50.0957% | 4,293 |
| Total domestic deposits to total assets | 87.7414% | 1,984 |
| Equity capital to assets | 12.0178% | 1,275 |
| Core capital (leverage) ratio | 11.6827% | 1,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,034,000 | 4,335 |
| Average earning assets | $74,905,500 | 4,292 |
| Average equity | $9,512,000 | 4,272 |
| Average total loans | $34,130,500 | 4,412 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0815% | 2,479 |
| Cost of funding earning assets | 0.3462% | 3,886 |
| Net interest margin | 3.7353% | 1,687 |
| Noninterest income to average assets | 0.3420% | 3,417 |
| Noninterest expense to average assets | 2.5073% | 2,824 |
| Loan and lease loss provision to assets | 0.4420% | 641 |
| Net operating income to assets | 0.9695% | 2,396 |
| Return on assets (ROA) | 1.1103% | 2,007 |
| Pretax return on assets | 1.1103% | 2,653 |
| Return on Equity (ROE) | 9.3186% | 2,277 |
| Retained earnings to average equity (ytd only) | 6.2050% | 1,705 |
| Net charge-offs to loans | 0.1721% | 966 |
| Credit loss provision to net charge-offs | 541.9355% | 1,190 |
| Earnings coverage of net charge-offs (x) | 17.3065% | 2,082 |
| Efficiency ratio | 63.9812% | 2,826 |
| Assets per employee ($millions) | 5.0891% | 3,296 |
| Cash dividends to net income (ytd only)* | 33.4123% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8651% | 164 |
| Loan loss allowance to noncurrent loans | 366.2879% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 2,602 |
| Noncurrent loans to loans | 0.7822% | 1,770 |
| Net loans and leases to total assets | 42.9470% | 4,303 |
| Net loans and leases to deposits | 49.1404% | 4,353 |
| Net loans and leases to core deposits | 51.5107% | 4,368 |
| Total domestic deposits to total assets | 87.3965% | 1,746 |
| Equity capital to assets | 12.3690% | 1,384 |
| Core capital (leverage) ratio | 11.3909% | 1,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,018,800 | 4,291 |
| Average earning assets | $72,792,200 | 4,258 |
| Average equity | $9,057,200 | 4,310 |
| Average total loans | $36,031,400 | 4,388 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2359% | 2,290 |
| Cost of funding earning assets | 0.3797% | 3,917 |
| Net interest margin | 3.8562% | 1,460 |
| Noninterest income to average assets | 0.3459% | 3,397 |
| Noninterest expense to average assets | 2.5967% | 2,535 |
| Loan and lease loss provision to assets | 0.5109% | 565 |
| Net operating income to assets | 0.9288% | 2,600 |
| Return on assets (ROA) | 1.1167% | 2,044 |
| Pretax return on assets | 1.1167% | 2,689 |
| Return on Equity (ROE) | 9.4630% | 2,218 |
| Retained earnings to average equity (ytd only) | 6.6211% | 1,841 |
| Net charge-offs to loans | 0.2186% | 699 |
| Credit loss provision to net charge-offs | 485.0000% | 1,310 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 2,187 |
| Efficiency ratio | 64.3323% | 2,683 |
| Assets per employee ($millions) | 5.0806% | 3,142 |
| Cash dividends to net income (ytd only)* | 30.0314% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6721% | 194 |
| Loan loss allowance to noncurrent loans | 385.0000% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.3149% | 2,893 |
| Noncurrent loans to loans | 0.6941% | 2,055 |
| Net loans and leases to total assets | 44.1615% | 4,413 |
| Net loans and leases to deposits | 50.5399% | 4,472 |
| Net loans and leases to core deposits | 52.9750% | 4,490 |
| Total domestic deposits to total assets | 87.3794% | 1,510 |
| Equity capital to assets | 12.2164% | 1,565 |
| Core capital (leverage) ratio | 11.2557% | 1,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,939,500 | 4,304 |
| Average earning assets | $72,678,000 | 4,260 |
| Average equity | $8,961,000 | 4,330 |
| Average total loans | $36,601,500 | 4,404 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4740% | 1,996 |
| Cost of funding earning assets | 0.4188% | 3,956 |
| Net interest margin | 4.0553% | 1,207 |
| Noninterest income to average assets | 0.3639% | 3,302 |
| Noninterest expense to average assets | 2.5682% | 2,772 |
| Loan and lease loss provision to assets | 0.6487% | 451 |
| Net operating income to assets | 1.0283% | 2,225 |
| Return on assets (ROA) | 1.3079% | 1,443 |
| Pretax return on assets | 1.3079% | 2,000 |
| Return on Equity (ROE) | 11.2158% | 1,567 |
| Retained earnings to average equity (ytd only) | 7.9822% | 1,313 |
| Net charge-offs to loans | -0.0054% | 4,032 |
| Credit loss provision to net charge-offs | -24,600.0000% | 4,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4969% | 3,342 |
| Assets per employee ($millions) | 4.9063% | 3,290 |
| Cash dividends to net income (ytd only)* | 28.8306% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5435% | 207 |
| Loan loss allowance to noncurrent loans | 435.1852% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.2752% | 3,221 |
| Noncurrent loans to loans | 0.5845% | 2,404 |
| Net loans and leases to total assets | 45.8815% | 4,372 |
| Net loans and leases to deposits | 52.1275% | 4,441 |
| Net loans and leases to core deposits | 54.3341% | 4,488 |
| Total domestic deposits to total assets | 88.0178% | 1,171 |
| Equity capital to assets | 11.6369% | 1,882 |
| Core capital (leverage) ratio | 10.8907% | 2,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7274% | 606 |
| Memoranda: | ||
| Average total assets | $75,849,667 | 4,309 |
| Average earning assets | $72,597,000 | 4,265 |
| Average equity | $8,844,667 | 4,356 |
| Average total loans | $37,275,667 | 4,400 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6224% | 1,936 |
| Cost of funding earning assets | 0.4706% | 4,066 |
| Net interest margin | 4.1517% | 1,020 |
| Noninterest income to average assets | 0.3489% | 3,429 |
| Noninterest expense to average assets | 2.6246% | 2,906 |
| Loan and lease loss provision to assets | 0.2415% | 1,288 |
| Net operating income to assets | 1.4599% | 856 |
| Return on assets (ROA) | 1.4599% | 932 |
| Pretax return on assets | 1.4599% | 1,413 |
| Return on Equity (ROE) | 12.5065% | 985 |
| Retained earnings to average equity (ytd only) | 8.8741% | 1,007 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6700% | 3,656 |
| Assets per employee ($millions) | 5.0802% | 2,557 |
| Cash dividends to net income (ytd only)* | 29.0441% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9810% | 513 |
| Loan loss allowance to noncurrent loans | 1,054.2857% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0919% | 4,156 |
| Noncurrent loans to loans | 0.1879% | 3,800 |
| Net loans and leases to total assets | 47.9194% | 4,341 |
| Net loans and leases to deposits | 54.4974% | 4,421 |
| Net loans and leases to core deposits | 56.8758% | 4,467 |
| Total domestic deposits to total assets | 87.9296% | 1,140 |
| Equity capital to assets | 11.7554% | 2,248 |
| Core capital (leverage) ratio | 11.3019% | 2,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,524,500 | 4,332 |
| Average earning assets | $71,392,000 | 4,294 |
| Average equity | $8,699,500 | 4,397 |
| Average total loans | $37,435,000 | 4,423 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7048% | 2,309 |
| Cost of funding earning assets | 0.4333% | 4,329 |
| Net interest margin | 4.2715% | 1,161 |
| Noninterest income to average assets | 0.3744% | 3,456 |
| Noninterest expense to average assets | 2.3702% | 3,769 |
| Loan and lease loss provision to assets | 0.0772% | 2,446 |
| Net operating income to assets | 2.0370% | 320 |
| Return on assets (ROA) | 2.0370% | 340 |
| Pretax return on assets | 2.0370% | 552 |
| Return on Equity (ROE) | 20.1713% | 205 |
| Retained earnings to average equity (ytd only) | 8.3208% | 884 |
| Net charge-offs to loans | 0.4376% | 437 |
| Credit loss provision to net charge-offs | 35.9281% | 3,235 |
| Earnings coverage of net charge-offs (x) | 9.8383% | 2,629 |
| Efficiency ratio | 52.8551% | 4,537 |
| Assets per employee ($millions) | 4.8564% | 2,766 |
| Cash dividends to net income (ytd only)* | 58.7492% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8423% | 613 |
| Loan loss allowance to noncurrent loans | 4,076.4706% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 4,542 |
| Noncurrent loans to loans | 0.0452% | 4,379 |
| Net loans and leases to total assets | 50.6864% | 4,296 |
| Net loans and leases to deposits | 57.5080% | 4,390 |
| Net loans and leases to core deposits | 59.8399% | 4,450 |
| Total domestic deposits to total assets | 88.1380% | 1,067 |
| Equity capital to assets | 11.5875% | 2,446 |
| Core capital (leverage) ratio | 10.9518% | 2,540 |
| Tier 1 risk-based capital ratio | 18.5734% | 1,616 |
| Total risk-based capital ratio | 19.8283% | 1,586 |
| Memoranda: | ||
| Average total assets | $77,714,200 | 4,326 |
| Average earning assets | $74,775,200 | 4,274 |
| Average equity | $7,847,800 | 4,527 |
| Average total loans | $38,159,800 | 4,446 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7068% | 2,400 |
| Cost of funding earning assets | 0.4265% | 4,413 |
| Net interest margin | 4.2804% | 1,202 |
| Noninterest income to average assets | 0.3750% | 3,468 |
| Noninterest expense to average assets | 2.3226% | 3,889 |
| Loan and lease loss provision to assets | 0.0253% | 3,391 |
| Net operating income to assets | 2.1470% | 296 |
| Return on assets (ROA) | 2.1470% | 311 |
| Pretax return on assets | 2.1470% | 502 |
| Return on Equity (ROE) | 22.0095% | 163 |
| Retained earnings to average equity (ytd only) | 8.7450% | 1,121 |
| Net charge-offs to loans | 0.3760% | 446 |
| Credit loss provision to net charge-offs | 13.8889% | 2,990 |
| Earnings coverage of net charge-offs (x) | 11.9071% | 2,406 |
| Efficiency ratio | 51.6723% | 4,626 |
| Assets per employee ($millions) | 5.7501% | 1,803 |
| Cash dividends to net income (ytd only)* | 60.2678% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8766% | 573 |
| Loan loss allowance to noncurrent loans | 75.6150% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.2508% | 992 |
| Noncurrent loans to loans | 2.4818% | 473 |
| Net loans and leases to total assets | 49.4535% | 4,456 |
| Net loans and leases to deposits | 55.8372% | 4,559 |
| Net loans and leases to core deposits | 58.0202% | 4,607 |
| Total domestic deposits to total assets | 88.5674% | 795 |
| Equity capital to assets | 11.0139% | 3,092 |
| Core capital (leverage) ratio | 10.4577% | 3,139 |
| Tier 1 risk-based capital ratio | 16.4538% | 2,285 |
| Total risk-based capital ratio | 17.7060% | 2,219 |
| Memoranda: | ||
| Average total assets | $78,931,250 | 4,363 |
| Average earning assets | $75,973,000 | 4,305 |
| Average equity | $7,699,500 | 4,602 |
| Average total loans | $38,295,750 | 4,501 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6698% | 2,451 |
| Cost of funding earning assets | 0.4163% | 4,446 |
| Net interest margin | 4.2535% | 1,230 |
| Noninterest income to average assets | 0.3785% | 3,412 |
| Noninterest expense to average assets | 2.3106% | 3,978 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.1637% | 289 |
| Return on assets (ROA) | 2.1637% | 303 |
| Pretax return on assets | 2.1637% | 482 |
| Return on Equity (ROE) | 23.1066% | 138 |
| Retained earnings to average equity (ytd only) | 9.6521% | 864 |
| Net charge-offs to loans | 0.6026% | 252 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 7.4914% | 2,485 |
| Efficiency ratio | 51.6416% | 4,680 |
| Assets per employee ($millions) | 5.8815% | 1,627 |
| Cash dividends to net income (ytd only)* | 58.2278% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8194% | 657 |
| Loan loss allowance to noncurrent loans | 135.9841% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.6579% | 2,070 |
| Noncurrent loans to loans | 1.3379% | 1,163 |
| Net loans and leases to total assets | 48.2749% | 4,559 |
| Net loans and leases to deposits | 54.1551% | 4,676 |
| Net loans and leases to core deposits | 56.2068% | 4,709 |
| Total domestic deposits to total assets | 89.1420% | 609 |
| Equity capital to assets | 10.5114% | 3,510 |
| Core capital (leverage) ratio | 10.1122% | 3,492 |
| Tier 1 risk-based capital ratio | 17.6706% | 1,888 |
| Total risk-based capital ratio | 18.9245% | 1,843 |
| Memoranda: | ||
| Average total assets | $80,324,670 | 4,368 |
| Average earning assets | $77,347,330 | 4,306 |
| Average equity | $7,521,670 | 4,644 |
| Average total loans | $38,503,000 | 4,531 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5653% | 2,647 |
| Cost of funding earning assets | 0.4082% | 4,452 |
| Net interest margin | 4.1571% | 1,412 |
| Noninterest income to average assets | 0.3453% | 3,550 |
| Noninterest expense to average assets | 2.3244% | 3,959 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.0327% | 364 |
| Return on assets (ROA) | 2.0327% | 382 |
| Pretax return on assets | 2.0327% | 604 |
| Return on Equity (ROE) | 23.0176% | 146 |
| Retained earnings to average equity (ytd only) | 10.1322% | 1,006 |
| Net charge-offs to loans | 1.3964% | 93 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 3.0735% | 2,433 |
| Efficiency ratio | 53.3482% | 4,593 |
| Assets per employee ($millions) | 5.4765% | 2,002 |
| Cash dividends to net income (ytd only)* | 55.9809% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6785% | 904 |
| Loan loss allowance to noncurrent loans | 1,619.5122% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 4,577 |
| Noncurrent loans to loans | 0.1036% | 4,271 |
| Net loans and leases to total assets | 47.3463% | 4,609 |
| Net loans and leases to deposits | 52.3134% | 4,743 |
| Net loans and leases to core deposits | 54.3227% | 4,774 |
| Total domestic deposits to total assets | 90.5049% | 289 |
| Equity capital to assets | 9.2090% | 4,522 |
| Core capital (leverage) ratio | 9.5355% | 4,090 |
| Tier 1 risk-based capital ratio | 16.4539% | 2,284 |
| Total risk-based capital ratio | 17.7070% | 2,231 |
| Memoranda: | ||
| Average total assets | $82,257,000 | 4,382 |
| Average earning assets | $79,382,000 | 4,314 |
| Average equity | $7,264,000 | 4,718 |
| Average total loans | $38,957,000 | 4,572 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3681% | 2,870 |
| Cost of funding earning assets | 0.3033% | 4,561 |
| Net interest margin | 4.0648% | 1,785 |
| Noninterest income to average assets | 0.3587% | 3,690 |
| Noninterest expense to average assets | 2.2935% | 4,136 |
| Loan and lease loss provision to assets | 0.1476% | 1,445 |
| Net operating income to assets | 1.8216% | 527 |
| Return on assets (ROA) | 1.8216% | 524 |
| Pretax return on assets | 1.8216% | 868 |
| Return on Equity (ROE) | 21.7306% | 165 |
| Retained earnings to average equity (ytd only) | 11.0777% | 422 |
| Net charge-offs to loans | 0.2592% | 744 |
| Credit loss provision to net charge-offs | 118.3673% | 2,191 |
| Earnings coverage of net charge-offs (x) | 15.7959% | 2,301 |
| Efficiency ratio | 53.8048% | 4,635 |
| Assets per employee ($millions) | 5.4911% | 1,963 |
| Cash dividends to net income (ytd only)* | 49.0223% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0857% | 409 |
| Loan loss allowance to noncurrent loans | 451.9774% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 3,746 |
| Noncurrent loans to loans | 0.4615% | 2,887 |
| Net loans and leases to total assets | 45.5965% | 4,755 |
| Net loans and leases to deposits | 49.9342% | 4,887 |
| Net loans and leases to core deposits | 51.8278% | 4,898 |
| Total domestic deposits to total assets | 91.3132% | 146 |
| Equity capital to assets | 8.4537% | 4,963 |
| Core capital (leverage) ratio | 8.8953% | 4,741 |
| Tier 1 risk-based capital ratio | 16.3567% | 2,283 |
| Total risk-based capital ratio | 17.6134% | 2,222 |
| Memoranda: | ||
| Average total assets | $78,613,600 | 4,445 |
| Average earning assets | $75,502,400 | 4,392 |
| Average equity | $6,589,800 | 4,813 |
| Average total loans | $37,808,000 | 4,615 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3061% | 2,943 |
| Cost of funding earning assets | 0.2649% | 4,706 |
| Net interest margin | 4.0412% | 1,820 |
| Noninterest income to average assets | 0.3450% | 3,838 |
| Noninterest expense to average assets | 2.2744% | 4,161 |
| Loan and lease loss provision to assets | 0.0687% | 2,603 |
| Net operating income to assets | 1.8779% | 513 |
| Return on assets (ROA) | 1.8779% | 514 |
| Pretax return on assets | 1.8779% | 850 |
| Return on Equity (ROE) | 22.4526% | 151 |
| Retained earnings to average equity (ytd only) | 11.6163% | 534 |
| Net charge-offs to loans | 0.1522% | 1,083 |
| Credit loss provision to net charge-offs | 93.0233% | 2,384 |
| Earnings coverage of net charge-offs (x) | 26.3729% | 1,749 |
| Efficiency ratio | 53.8837% | 4,619 |
| Assets per employee ($millions) | 5.6056% | 1,820 |
| Cash dividends to net income (ytd only)* | 48.2631% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0891% | 416 |
| Loan loss allowance to noncurrent loans | 529.9320% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 4,078 |
| Noncurrent loans to loans | 0.3942% | 3,241 |
| Net loans and leases to total assets | 43.4209% | 4,903 |
| Net loans and leases to deposits | 47.2652% | 5,030 |
| Net loans and leases to core deposits | 49.0061% | 5,042 |
| Total domestic deposits to total assets | 91.8665% | 94 |
| Equity capital to assets | 7.7732% | 5,246 |
| Core capital (leverage) ratio | 9.0212% | 4,683 |
| Tier 1 risk-based capital ratio | 16.8262% | 2,161 |
| Total risk-based capital ratio | 18.0833% | 2,110 |
| Memoranda: | ||
| Average total assets | $77,675,500 | 4,515 |
| Average earning assets | $74,497,500 | 4,458 |
| Average equity | $6,496,500 | 4,880 |
| Average total loans | $37,671,000 | 4,667 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2849% | 2,816 |
| Cost of funding earning assets | 0.2377% | 4,814 |
| Net interest margin | 4.0472% | 1,703 |
| Noninterest income to average assets | 0.3468% | 3,851 |
| Noninterest expense to average assets | 2.3882% | 3,931 |
| Loan and lease loss provision to assets | 0.0662% | 2,576 |
| Net operating income to assets | 1.7686% | 624 |
| Return on assets (ROA) | 1.7686% | 628 |
| Pretax return on assets | 1.7686% | 1,037 |
| Return on Equity (ROE) | 20.6067% | 226 |
| Retained earnings to average equity (ytd only) | 10.4576% | 806 |
| Net charge-offs to loans | 0.0265% | 2,326 |
| Credit loss provision to net charge-offs | 500.0000% | 700 |
| Earnings coverage of net charge-offs (x) | 138.6000% | 551 |
| Efficiency ratio | 56.5517% | 4,407 |
| Assets per employee ($millions) | 5.2133% | 2,182 |
| Cash dividends to net income (ytd only)* | 49.2515% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1398% | 413 |
| Loan loss allowance to noncurrent loans | 172.4731% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.5946% | 2,443 |
| Noncurrent loans to loans | 1.2407% | 1,396 |
| Net loans and leases to total assets | 46.9034% | 4,773 |
| Net loans and leases to deposits | 51.3108% | 4,933 |
| Net loans and leases to core deposits | 53.1257% | 4,954 |
| Total domestic deposits to total assets | 91.4104% | 170 |
| Equity capital to assets | 8.2674% | 5,097 |
| Core capital (leverage) ratio | 9.5473% | 4,068 |
| Tier 1 risk-based capital ratio | 15.9106% | 2,470 |
| Total risk-based capital ratio | 17.1669% | 2,410 |
| Memoranda: | ||
| Average total assets | $75,539,330 | 4,598 |
| Average earning assets | $72,347,000 | 4,542 |
| Average equity | $6,483,330 | 4,932 |
| Average total loans | $37,798,330 | 4,710 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3264% | 2,432 |
| Cost of funding earning assets | 0.2425% | 4,757 |
| Net interest margin | 4.0838% | 1,479 |
| Noninterest income to average assets | 0.3450% | 3,842 |
| Noninterest expense to average assets | 2.4471% | 3,822 |
| Loan and lease loss provision to assets | 0.0539% | 2,692 |
| Net operating income to assets | 1.7464% | 619 |
| Return on assets (ROA) | 1.7464% | 628 |
| Pretax return on assets | 1.7464% | 1,011 |
| Return on Equity (ROE) | 19.9615% | 250 |
| Retained earnings to average equity (ytd only) | 19.9615% | 104 |
| Net charge-offs to loans | 0.0632% | 1,475 |
| Credit loss provision to net charge-offs | 166.6667% | 1,159 |
| Earnings coverage of net charge-offs (x) | 55.6667% | 881 |
| Efficiency ratio | 57.6142% | 4,398 |
| Assets per employee ($millions) | 5.0287% | 2,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0757% | 477 |
| Loan loss allowance to noncurrent loans | 42.3948% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 2.4579% | 384 |
| Noncurrent loans to loans | 4.8961% | 160 |
| Net loans and leases to total assets | 49.1595% | 4,618 |
| Net loans and leases to deposits | 53.9855% | 4,797 |
| Net loans and leases to core deposits | 56.1901% | 4,837 |
| Total domestic deposits to total assets | 91.0606% | 300 |
| Equity capital to assets | 8.6411% | 4,867 |
| Core capital (leverage) ratio | 9.6082% | 3,954 |
| Tier 1 risk-based capital ratio | 15.5397% | 2,649 |
| Total risk-based capital ratio | 16.7956% | 2,589 |
| Memoranda: | ||
| Average total assets | $74,209,500 | 4,673 |
| Average earning assets | $70,913,500 | 4,620 |
| Average equity | $6,492,500 | 4,982 |
| Average total loans | $37,957,500 | 4,749 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2659% | 2,444 |
| Cost of funding earning assets | 0.2967% | 4,171 |
| Net interest margin | 3.9692% | 1,846 |
| Noninterest income to average assets | 0.3814% | 3,752 |
| Noninterest expense to average assets | 2.4127% | 4,044 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.7730% | 453 |
| Return on assets (ROA) | 1.7935% | 435 |
| Pretax return on assets | 1.7935% | 807 |
| Return on Equity (ROE) | 20.8552% | 166 |
| Retained earnings to average equity (ytd only) | 9.7918% | 385 |
| Net charge-offs to loans | -0.0626% | 5,245 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6421% | 4,571 |
| Assets per employee ($millions) | 4.5618% | 3,091 |
| Cash dividends to net income (ytd only)* | 53.0488% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0553% | 483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 51.0570% | 4,589 |
| Net loans and leases to deposits | 56.3978% | 4,781 |
| Net loans and leases to core deposits | 58.7940% | 4,813 |
| Total domestic deposits to total assets | 90.5301% | 385 |
| Equity capital to assets | 8.8602% | 4,849 |
| Core capital (leverage) ratio | 9.0518% | 4,582 |
| Tier 1 risk-based capital ratio | 14.5574% | 3,064 |
| Total risk-based capital ratio | 15.8121% | 2,985 |
| Memoranda: | ||
| Average total assets | $73,154,600 | 4,721 |
| Average earning assets | $70,114,800 | 4,663 |
| Average equity | $6,291,000 | 5,058 |
| Average total loans | $36,712,400 | 4,830 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1760% | 2,700 |
| Cost of funding earning assets | 0.3095% | 4,036 |
| Net interest margin | 3.8664% | 2,161 |
| Noninterest income to average assets | 0.3862% | 3,778 |
| Noninterest expense to average assets | 2.4336% | 3,932 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6613% | 625 |
| Return on assets (ROA) | 1.6886% | 605 |
| Pretax return on assets | 1.6886% | 1,154 |
| Return on Equity (ROE) | 19.7850% | 232 |
| Retained earnings to average equity (ytd only) | 8.7080% | 945 |
| Net charge-offs to loans | -0.1429% | 5,465 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4306% | 4,302 |
| Assets per employee ($millions) | 5.0625% | 2,377 |
| Cash dividends to net income (ytd only)* | 55.9868% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2296% | 386 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 46.0816% | 4,934 |
| Net loans and leases to deposits | 50.7940% | 5,098 |
| Net loans and leases to core deposits | 52.4200% | 5,124 |
| Total domestic deposits to total assets | 90.7226% | 249 |
| Equity capital to assets | 8.5834% | 5,232 |
| Core capital (leverage) ratio | 8.6000% | 5,165 |
| Tier 1 risk-based capital ratio | 15.0422% | 2,897 |
| Total risk-based capital ratio | 16.2992% | 2,826 |
| Memoranda: | ||
| Average total assets | $73,196,000 | 4,770 |
| Average earning assets | $70,209,250 | 4,712 |
| Average equity | $6,247,000 | 5,123 |
| Average total loans | $36,378,500 | 4,886 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1894% | 2,509 |
| Cost of funding earning assets | 0.3289% | 3,807 |
| Net interest margin | 3.8605% | 2,060 |
| Noninterest income to average assets | 0.3984% | 3,700 |
| Noninterest expense to average assets | 2.4487% | 3,920 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6519% | 625 |
| Return on assets (ROA) | 1.6519% | 646 |
| Pretax return on assets | 1.6519% | 1,188 |
| Return on Equity (ROE) | 19.3936% | 246 |
| Retained earnings to average equity (ytd only) | 8.1538% | 1,101 |
| Net charge-offs to loans | -0.0711% | 5,305 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7166% | 4,358 |
| Assets per employee ($millions) | 5.4740% | 1,894 |
| Cash dividends to net income (ytd only)* | 57.9564% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2178% | 422 |
| Loan loss allowance to noncurrent loans | 1,678.2609% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 4,962 |
| Noncurrent loans to loans | 0.1321% | 4,594 |
| Net loans and leases to total assets | 44.4139% | 5,020 |
| Net loans and leases to deposits | 49.1218% | 5,172 |
| Net loans and leases to core deposits | 51.0644% | 5,185 |
| Total domestic deposits to total assets | 90.4157% | 386 |
| Equity capital to assets | 8.2859% | 5,412 |
| Core capital (leverage) ratio | 8.6487% | 5,091 |
| Tier 1 risk-based capital ratio | 15.0299% | 2,912 |
| Total risk-based capital ratio | 16.2861% | 2,851 |
| Memoranda: | ||
| Average total assets | $72,282,330 | 4,815 |
| Average earning assets | $69,317,000 | 4,759 |
| Average equity | $6,156,670 | 5,165 |
| Average total loans | $36,574,330 | 4,913 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3686% | 1,760 |
| Cost of funding earning assets | 0.3457% | 3,578 |
| Net interest margin | 4.0229% | 1,408 |
| Noninterest income to average assets | 0.3937% | 3,711 |
| Noninterest expense to average assets | 2.5390% | 3,692 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7060% | 542 |
| Return on assets (ROA) | 1.7060% | 552 |
| Pretax return on assets | 1.7060% | 994 |
| Return on Equity (ROE) | 19.7360% | 245 |
| Retained earnings to average equity (ytd only) | 19.7360% | 110 |
| Net charge-offs to loans | -0.1068% | 5,469 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8118% | 4,477 |
| Assets per employee ($millions) | 4.9006% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1252% | 526 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 48.1778% | 4,808 |
| Net loans and leases to deposits | 54.0151% | 4,934 |
| Net loans and leases to core deposits | 56.7275% | 4,939 |
| Total domestic deposits to total assets | 89.1932% | 1,054 |
| Equity capital to assets | 8.4602% | 5,265 |
| Core capital (leverage) ratio | 9.1539% | 4,541 |
| Tier 1 risk-based capital ratio | 14.7759% | 3,080 |
| Total risk-based capital ratio | 16.0318% | 2,994 |
| Memoranda: | ||
| Average total assets | $70,105,500 | 4,916 |
| Average earning assets | $67,116,000 | 4,851 |
| Average equity | $6,060,000 | 5,230 |
| Average total loans | $37,457,000 | 4,933 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7772% | 925 |
| Cost of funding earning assets | 0.3750% | 3,266 |
| Net interest margin | 4.4021% | 770 |
| Noninterest income to average assets | 0.4910% | 3,292 |
| Noninterest expense to average assets | 2.7973% | 3,030 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.8770% | 388 |
| Return on assets (ROA) | 2.0306% | 308 |
| Pretax return on assets | 2.0306% | 461 |
| Return on Equity (ROE) | 20.9505% | 181 |
| Retained earnings to average equity (ytd only) | 8.2037% | 785 |
| Net charge-offs to loans | -0.2880% | 5,792 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8441% | 4,607 |
| Assets per employee ($millions) | 4.1689% | 3,666 |
| Cash dividends to net income (ytd only)* | 60.8424% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9597% | 713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 56.9263% | 4,173 |
| Net loans and leases to deposits | 64.2368% | 4,397 |
| Net loans and leases to core deposits | 67.8332% | 4,410 |
| Total domestic deposits to total assets | 88.6195% | 1,312 |
| Equity capital to assets | 8.8468% | 4,968 |
| Core capital (leverage) ratio | 9.2187% | 4,455 |
| Tier 1 risk-based capital ratio | 13.5130% | 3,764 |
| Total risk-based capital ratio | 14.7686% | 3,661 |
| Memoranda: | ||
| Average total assets | $63,132,800 | 5,071 |
| Average earning assets | $59,993,800 | 5,019 |
| Average equity | $6,119,200 | 5,259 |
| Average total loans | $36,463,400 | 5,003 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8431% | 819 |
| Cost of funding earning assets | 0.3793% | 3,236 |
| Net interest margin | 4.4638% | 683 |
| Noninterest income to average assets | 0.4927% | 3,306 |
| Noninterest expense to average assets | 2.8341% | 2,894 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.8937% | 407 |
| Return on assets (ROA) | 2.1015% | 307 |
| Pretax return on assets | 2.1015% | 464 |
| Return on Equity (ROE) | 21.1860% | 189 |
| Retained earnings to average equity (ytd only) | 8.4441% | 998 |
| Net charge-offs to loans | -0.4420% | 5,878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9456% | 4,550 |
| Assets per employee ($millions) | 4.0486% | 3,877 |
| Cash dividends to net income (ytd only)* | 60.1428% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1257% | 576 |
| Loan loss allowance to noncurrent loans | 773.0000% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 4,819 |
| Noncurrent loans to loans | 0.2750% | 4,276 |
| Net loans and leases to total assets | 54.9446% | 4,408 |
| Net loans and leases to deposits | 62.7935% | 4,575 |
| Net loans and leases to core deposits | 66.4650% | 4,575 |
| Total domestic deposits to total assets | 87.5004% | 1,664 |
| Equity capital to assets | 9.7564% | 4,413 |
| Core capital (leverage) ratio | 9.5148% | 4,159 |
| Tier 1 risk-based capital ratio | 14.2731% | 3,418 |
| Total risk-based capital ratio | 15.5313% | 3,340 |
| Memoranda: | ||
| Average total assets | $62,240,500 | 5,134 |
| Average earning assets | $59,051,500 | 5,090 |
| Average equity | $6,173,750 | 5,303 |
| Average total loans | $35,896,750 | 5,068 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9097% | 705 |
| Cost of funding earning assets | 0.3851% | 3,208 |
| Net interest margin | 4.5246% | 585 |
| Noninterest income to average assets | 0.5277% | 3,019 |
| Noninterest expense to average assets | 2.8700% | 2,774 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.9448% | 365 |
| Return on assets (ROA) | 1.9448% | 384 |
| Pretax return on assets | 1.9448% | 641 |
| Return on Equity (ROE) | 19.4939% | 264 |
| Retained earnings to average equity (ytd only) | 6.4980% | 1,875 |
| Net charge-offs to loans | 0.1959% | 1,169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 17.0571% | 1,897 |
| Efficiency ratio | 59.6076% | 4,694 |
| Assets per employee ($millions) | 4.1664% | 3,626 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7595% | 1,157 |
| Loan loss allowance to noncurrent loans | 186.4458% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.5312% | 3,437 |
| Noncurrent loans to loans | 0.9437% | 2,393 |
| Net loans and leases to total assets | 55.3011% | 4,381 |
| Net loans and leases to deposits | 63.4834% | 4,531 |
| Net loans and leases to core deposits | 67.0280% | 4,542 |
| Total domestic deposits to total assets | 87.1112% | 1,856 |
| Equity capital to assets | 10.0982% | 4,092 |
| Core capital (leverage) ratio | 9.3481% | 4,396 |
| Tier 1 risk-based capital ratio | 14.3192% | 3,425 |
| Total risk-based capital ratio | 15.5716% | 3,345 |
| Memoranda: | ||
| Average total assets | $61,394,670 | 5,212 |
| Average earning assets | $58,170,330 | 5,166 |
| Average equity | $6,125,000 | 5,362 |
| Average total loans | $35,740,670 | 5,116 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0234% | 552 |
| Cost of funding earning assets | 0.3949% | 3,139 |
| Net interest margin | 4.6284% | 473 |
| Noninterest income to average assets | 0.5128% | 3,030 |
| Noninterest expense to average assets | 2.8335% | 2,942 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.0709% | 295 |
| Return on assets (ROA) | 2.0709% | 307 |
| Pretax return on assets | 2.0709% | 496 |
| Return on Equity (ROE) | 20.8886% | 195 |
| Retained earnings to average equity (ytd only) | 20.8886% | 77 |
| Net charge-offs to loans | 0.1666% | 1,137 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,443 |
| Efficiency ratio | 57.7748% | 5,024 |
| Assets per employee ($millions) | 4.1303% | 3,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7577% | 1,229 |
| Loan loss allowance to noncurrent loans | 998.4375% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.1033% | 5,164 |
| Noncurrent loans to loans | 0.1760% | 4,781 |
| Net loans and leases to total assets | 57.6467% | 4,081 |
| Net loans and leases to deposits | 66.0105% | 4,254 |
| Net loans and leases to core deposits | 69.2527% | 4,292 |
| Total domestic deposits to total assets | 87.3295% | 2,040 |
| Equity capital to assets | 10.1106% | 3,933 |
| Core capital (leverage) ratio | 9.7721% | 3,814 |
| Tier 1 risk-based capital ratio | 13.8987% | 3,758 |
| Total risk-based capital ratio | 15.1513% | 3,686 |
| Memoranda: | ||
| Average total assets | $60,844,000 | 5,275 |
| Average earning assets | $57,730,000 | 5,224 |
| Average equity | $6,032,000 | 5,415 |
| Average total loans | $36,021,000 | 5,145 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6056% | 1,317 |
| Cost of funding earning assets | 0.4077% | 3,074 |
| Net interest margin | 4.1979% | 1,180 |
| Noninterest income to average assets | 0.5995% | 2,717 |
| Noninterest expense to average assets | 2.9013% | 2,859 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.6782% | 602 |
| Return on assets (ROA) | 1.6765% | 620 |
| Pretax return on assets | 1.6765% | 1,050 |
| Return on Equity (ROE) | 16.7112% | 482 |
| Retained earnings to average equity (ytd only) | 3.3388% | 3,675 |
| Net charge-offs to loans | 0.3282% | 909 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 9.3942% | 2,825 |
| Efficiency ratio | 63.3533% | 4,388 |
| Assets per employee ($millions) | 3.9822% | 3,969 |
| Cash dividends to net income (ytd only)* | 80.0205% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8325% | 1,076 |
| Loan loss allowance to noncurrent loans | 179.6703% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.6094% | 3,241 |
| Noncurrent loans to loans | 1.0200% | 2,300 |
| Net loans and leases to total assets | 58.6510% | 4,007 |
| Net loans and leases to deposits | 66.8881% | 4,230 |
| Net loans and leases to core deposits | 71.2827% | 4,192 |
| Total domestic deposits to total assets | 87.6852% | 1,800 |
| Equity capital to assets | 9.7099% | 4,289 |
| Core capital (leverage) ratio | 9.4000% | 4,319 |
| Tier 1 risk-based capital ratio | 13.2277% | 4,149 |
| Total risk-based capital ratio | 14.4821% | 4,085 |
| Memoranda: | ||
| Average total assets | $58,215,600 | 5,358 |
| Average earning assets | $55,194,200 | 5,319 |
| Average equity | $5,840,400 | 5,474 |
| Average total loans | $31,691,600 | 5,306 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5724% | 1,406 |
| Cost of funding earning assets | 0.4062% | 3,164 |
| Net interest margin | 4.1663% | 1,239 |
| Noninterest income to average assets | 0.5994% | 2,740 |
| Noninterest expense to average assets | 2.8793% | 2,911 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6690% | 664 |
| Return on assets (ROA) | 1.6667% | 688 |
| Pretax return on assets | 1.6667% | 1,193 |
| Return on Equity (ROE) | 16.4769% | 536 |
| Retained earnings to average equity (ytd only) | 2.9854% | 4,322 |
| Net charge-offs to loans | -0.2085% | 6,004 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3046% | 4,359 |
| Assets per employee ($millions) | 4.0063% | 3,865 |
| Cash dividends to net income (ytd only)* | 81.8803% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7808% | 308 |
| Loan loss allowance to noncurrent loans | 369.7248% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 4,318 |
| Noncurrent loans to loans | 0.7521% | 3,083 |
| Net loans and leases to total assets | 46.8891% | 5,160 |
| Net loans and leases to deposits | 53.5653% | 5,278 |
| Net loans and leases to core deposits | 57.0636% | 5,252 |
| Total domestic deposits to total assets | 87.5364% | 1,784 |
| Equity capital to assets | 9.7546% | 4,440 |
| Core capital (leverage) ratio | 9.3154% | 4,566 |
| Tier 1 risk-based capital ratio | 16.1450% | 2,735 |
| Total risk-based capital ratio | 17.4086% | 2,684 |
| Memoranda: | ||
| Average total assets | $57,836,250 | 5,434 |
| Average earning assets | $54,819,750 | 5,392 |
| Average equity | $5,850,500 | 5,537 |
| Average total loans | $30,692,500 | 5,394 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7017% | 1,063 |
| Cost of funding earning assets | 0.4032% | 3,246 |
| Net interest margin | 4.2985% | 923 |
| Noninterest income to average assets | 0.5956% | 2,771 |
| Noninterest expense to average assets | 2.9396% | 2,755 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7273% | 597 |
| Return on assets (ROA) | 1.7238% | 628 |
| Pretax return on assets | 1.7238% | 1,040 |
| Return on Equity (ROE) | 16.8301% | 508 |
| Retained earnings to average equity (ytd only) | 3.2155% | 4,001 |
| Net charge-offs to loans | 0.0064% | 3,676 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 493.0000% | 134 |
| Efficiency ratio | 62.9880% | 4,520 |
| Assets per employee ($millions) | 3.9109% | 4,048 |
| Cash dividends to net income (ytd only)* | 80.8943% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4989% | 483 |
| Loan loss allowance to noncurrent loans | 422.9050% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.3051% | 4,661 |
| Noncurrent loans to loans | 0.5909% | 3,692 |
| Net loans and leases to total assets | 50.3477% | 4,900 |
| Net loans and leases to deposits | 57.5179% | 5,026 |
| Net loans and leases to core deposits | 61.0462% | 5,004 |
| Total domestic deposits to total assets | 87.5341% | 1,889 |
| Equity capital to assets | 9.7436% | 4,352 |
| Core capital (leverage) ratio | 9.5996% | 4,139 |
| Tier 1 risk-based capital ratio | 16.0236% | 2,845 |
| Total risk-based capital ratio | 17.2864% | 2,792 |
| Memoranda: | ||
| Average total assets | $57,083,330 | 5,514 |
| Average earning assets | $54,065,670 | 5,460 |
| Average equity | $5,846,670 | 5,589 |
| Average total loans | $31,262,000 | 5,425 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8867% | 721 |
| Cost of funding earning assets | 0.4041% | 3,257 |
| Net interest margin | 4.4826% | 621 |
| Noninterest income to average assets | 0.5685% | 2,846 |
| Noninterest expense to average assets | 2.8707% | 3,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9541% | 365 |
| Return on assets (ROA) | 1.9470% | 395 |
| Pretax return on assets | 1.9470% | 655 |
| Return on Equity (ROE) | 18.5386% | 347 |
| Retained earnings to average equity (ytd only) | 18.5386% | 130 |
| Net charge-offs to loans | 0.0756% | 1,952 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 45.8333% | 897 |
| Efficiency ratio | 59.4993% | 5,157 |
| Assets per employee ($millions) | 3.7975% | 4,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4045% | 609 |
| Loan loss allowance to noncurrent loans | 1,790.4762% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 5,646 |
| Noncurrent loans to loans | 0.1343% | 5,300 |
| Net loans and leases to total assets | 53.5839% | 4,491 |
| Net loans and leases to deposits | 61.8965% | 4,578 |
| Net loans and leases to core deposits | 65.8604% | 4,530 |
| Total domestic deposits to total assets | 86.5702% | 2,624 |
| Equity capital to assets | 10.6666% | 3,351 |
| Core capital (leverage) ratio | 10.1181% | 3,442 |
| Tier 1 risk-based capital ratio | 15.5122% | 3,135 |
| Total risk-based capital ratio | 16.7721% | 3,075 |
| Memoranda: | ||
| Average total assets | $56,293,000 | 5,582 |
| Average earning assets | $53,451,000 | 5,525 |
| Average equity | $5,912,000 | 5,620 |
| Average total loans | $31,746,500 | 5,447 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8689% | 977 |
| Cost of funding earning assets | 0.4465% | 3,203 |
| Net interest margin | 4.4224% | 856 |
| Noninterest income to average assets | 0.6494% | 2,552 |
| Noninterest expense to average assets | 2.9710% | 2,926 |
| Loan and lease loss provision to assets | 0.4415% | 378 |
| Net operating income to assets | 1.4092% | 1,067 |
| Return on assets (ROA) | 1.4092% | 1,097 |
| Pretax return on assets | 1.4092% | 1,856 |
| Return on Equity (ROE) | 14.0134% | 933 |
| Retained earnings to average equity (ytd only) | 4.3357% | 3,103 |
| Net charge-offs to loans | 0.1806% | 2,219 |
| Credit loss provision to net charge-offs | 461.5385% | 571 |
| Earnings coverage of net charge-offs (x) | 19.3462% | 1,788 |
| Efficiency ratio | 61.6177% | 4,964 |
| Assets per employee ($millions) | 3.7082% | 4,509 |
| Cash dividends to net income (ytd only)* | 69.0601% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3527% | 670 |
| Loan loss allowance to noncurrent loans | 1,848.7805% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 5,737 |
| Noncurrent loans to loans | 0.1273% | 5,391 |
| Net loans and leases to total assets | 56.5593% | 4,253 |
| Net loans and leases to deposits | 67.1892% | 4,202 |
| Net loans and leases to core deposits | 71.7348% | 4,154 |
| Total domestic deposits to total assets | 84.1792% | 3,636 |
| Equity capital to assets | 10.3339% | 3,683 |
| Core capital (leverage) ratio | 9.7507% | 3,904 |
| Tier 1 risk-based capital ratio | 14.3379% | 3,873 |
| Total risk-based capital ratio | 15.5826% | 3,814 |
| Memoranda: | ||
| Average total assets | $54,358,600 | 5,692 |
| Average earning assets | $51,284,400 | 5,636 |
| Average equity | $5,466,200 | 5,749 |
| Average total loans | $28,785,200 | 5,616 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8715% | 989 |
| Cost of funding earning assets | 0.4507% | 3,238 |
| Net interest margin | 4.4208% | 861 |
| Noninterest income to average assets | 0.6489% | 2,578 |
| Noninterest expense to average assets | 2.9013% | 3,111 |
| Loan and lease loss provision to assets | 0.4441% | 357 |
| Net operating income to assets | 1.4655% | 994 |
| Return on assets (ROA) | 1.4655% | 1,036 |
| Pretax return on assets | 1.4655% | 1,751 |
| Return on Equity (ROE) | 14.6778% | 881 |
| Retained earnings to average equity (ytd only) | 4.3736% | 3,536 |
| Net charge-offs to loans | 0.0859% | 2,976 |
| Credit loss provision to net charge-offs | 1,000.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 42.9988% | 1,080 |
| Efficiency ratio | 60.3077% | 5,137 |
| Assets per employee ($millions) | 3.7433% | 4,413 |
| Cash dividends to net income (ytd only)* | 70.2025% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6294% | 544 |
| Loan loss allowance to noncurrent loans | 1,220.0000% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 5,738 |
| Noncurrent loans to loans | 0.2155% | 5,258 |
| Net loans and leases to total assets | 48.2769% | 5,183 |
| Net loans and leases to deposits | 55.3950% | 5,284 |
| Net loans and leases to core deposits | 58.9667% | 5,268 |
| Total domestic deposits to total assets | 87.1503% | 2,233 |
| Equity capital to assets | 9.9788% | 4,186 |
| Core capital (leverage) ratio | 9.4743% | 4,413 |
| Tier 1 risk-based capital ratio | 15.4941% | 3,325 |
| Total risk-based capital ratio | 16.7530% | 3,260 |
| Memoranda: | ||
| Average total assets | $54,042,500 | 5,758 |
| Average earning assets | $50,879,500 | 5,708 |
| Average equity | $5,395,750 | 5,825 |
| Average total loans | $27,927,000 | 5,705 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9461% | 823 |
| Cost of funding earning assets | 0.4544% | 3,281 |
| Net interest margin | 4.4917% | 716 |
| Noninterest income to average assets | 0.6487% | 2,553 |
| Noninterest expense to average assets | 2.9321% | 3,057 |
| Loan and lease loss provision to assets | 0.4499% | 359 |
| Net operating income to assets | 1.4923% | 885 |
| Return on assets (ROA) | 1.4923% | 916 |
| Pretax return on assets | 1.4923% | 1,562 |
| Return on Equity (ROE) | 14.9437% | 799 |
| Retained earnings to average equity (ytd only) | 3.6421% | 3,870 |
| Net charge-offs to loans | 0.0644% | 3,071 |
| Credit loss provision to net charge-offs | 1,333.3333% | 268 |
| Earnings coverage of net charge-offs (x) | 57.5556% | 830 |
| Efficiency ratio | 60.1538% | 5,270 |
| Assets per employee ($millions) | 4.5600% | 2,825 |
| Cash dividends to net income (ytd only)* | 75.6281% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4874% | 728 |
| Loan loss allowance to noncurrent loans | 6,810.0000% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 6,179 |
| Noncurrent loans to loans | 0.0365% | 5,950 |
| Net loans and leases to total assets | 48.7884% | 5,105 |
| Net loans and leases to deposits | 56.1215% | 5,181 |
| Net loans and leases to core deposits | 59.8494% | 5,137 |
| Total domestic deposits to total assets | 86.9335% | 2,483 |
| Equity capital to assets | 10.1700% | 3,873 |
| Core capital (leverage) ratio | 9.7001% | 4,041 |
| Tier 1 risk-based capital ratio | 15.9375% | 3,123 |
| Total risk-based capital ratio | 17.1974% | 3,055 |
| Memoranda: | ||
| Average total assets | $53,340,330 | 5,825 |
| Average earning assets | $50,181,000 | 5,779 |
| Average equity | $5,326,670 | 5,883 |
| Average total loans | $27,956,330 | 5,751 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0756% | 620 |
| Cost of funding earning assets | 0.4526% | 3,399 |
| Net interest margin | 4.6230% | 538 |
| Noninterest income to average assets | 0.6610% | 2,399 |
| Noninterest expense to average assets | 2.9781% | 2,951 |
| Loan and lease loss provision to assets | 0.4558% | 345 |
| Net operating income to assets | 1.5726% | 703 |
| Return on assets (ROA) | 1.5726% | 730 |
| Pretax return on assets | 1.5726% | 1,228 |
| Return on Equity (ROE) | 15.9001% | 650 |
| Retained earnings to average equity (ytd only) | 15.9001% | 273 |
| Net charge-offs to loans | 0.2124% | 1,480 |
| Credit loss provision to net charge-offs | 400.0000% | 650 |
| Earnings coverage of net charge-offs (x) | 17.8000% | 1,443 |
| Efficiency ratio | 59.4841% | 5,473 |
| Assets per employee ($millions) | 3.7962% | 4,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1766% | 1,198 |
| Loan loss allowance to noncurrent loans | 163.1300% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.7094% | 3,988 |
| Noncurrent loans to loans | 1.3343% | 2,807 |
| Net loans and leases to total assets | 52.0067% | 4,676 |
| Net loans and leases to deposits | 61.2304% | 4,637 |
| Net loans and leases to core deposits | 64.7625% | 4,617 |
| Total domestic deposits to total assets | 84.9361% | 3,905 |
| Equity capital to assets | 10.0852% | 3,743 |
| Core capital (leverage) ratio | 9.8663% | 3,767 |
| Tier 1 risk-based capital ratio | 15.1849% | 3,620 |
| Total risk-based capital ratio | 16.4421% | 3,574 |
| Memoranda: | ||
| Average total assets | $52,650,500 | 5,896 |
| Average earning assets | $49,491,500 | 5,853 |
| Average equity | $5,207,500 | 5,946 |
| Average total loans | $28,245,500 | 5,784 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8168% | 1,277 |
| Cost of funding earning assets | 0.4656% | 3,958 |
| Net interest margin | 4.3513% | 1,000 |
| Noninterest income to average assets | 0.6976% | 2,554 |
| Noninterest expense to average assets | 2.8609% | 3,492 |
| Loan and lease loss provision to assets | 0.1391% | 2,567 |
| Net operating income to assets | 1.8071% | 475 |
| Return on assets (ROA) | 1.8071% | 488 |
| Pretax return on assets | 1.8071% | 747 |
| Return on Equity (ROE) | 18.9031% | 347 |
| Retained earnings to average equity (ytd only) | 4.3473% | 3,086 |
| Net charge-offs to loans | 0.7064% | 911 |
| Credit loss provision to net charge-offs | 38.6598% | 4,069 |
| Earnings coverage of net charge-offs (x) | 5.4072% | 3,309 |
| Efficiency ratio | 59.5137% | 5,538 |
| Assets per employee ($millions) | 3.4769% | 4,948 |
| Cash dividends to net income (ytd only)* | 77.0021% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0187% | 1,509 |
| Loan loss allowance to noncurrent loans | 4,384.6154% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 6,321 |
| Noncurrent loans to loans | 0.0460% | 6,100 |
| Net loans and leases to total assets | 53.0467% | 4,716 |
| Net loans and leases to deposits | 61.5183% | 4,772 |
| Net loans and leases to core deposits | 65.0796% | 4,770 |
| Total domestic deposits to total assets | 86.2292% | 3,146 |
| Equity capital to assets | 9.6924% | 4,172 |
| Core capital (leverage) ratio | 9.4244% | 4,377 |
| Tier 1 risk-based capital ratio | 14.4927% | 3,960 |
| Total risk-based capital ratio | 15.7476% | 3,892 |
| Memoranda: | ||
| Average total assets | $53,898,800 | 5,920 |
| Average earning assets | $50,904,800 | 5,868 |
| Average equity | $5,152,600 | 6,031 |
| Average total loans | $27,463,200 | 5,871 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7735% | 1,408 |
| Cost of funding earning assets | 0.4651% | 4,113 |
| Net interest margin | 4.3083% | 1,074 |
| Noninterest income to average assets | 0.7018% | 2,595 |
| Noninterest expense to average assets | 2.7532% | 3,820 |
| Loan and lease loss provision to assets | 0.1104% | 2,927 |
| Net operating income to assets | 1.9066% | 431 |
| Return on assets (ROA) | 1.9066% | 440 |
| Pretax return on assets | 1.9066% | 698 |
| Return on Equity (ROE) | 20.0110% | 296 |
| Retained earnings to average equity (ytd only) | 4.6616% | 3,352 |
| Net charge-offs to loans | 0.1271% | 3,257 |
| Credit loss provision to net charge-offs | 173.0769% | 1,378 |
| Earnings coverage of net charge-offs (x) | 31.6115% | 1,195 |
| Efficiency ratio | 57.7160% | 5,722 |
| Assets per employee ($millions) | 3.6304% | 4,601 |
| Cash dividends to net income (ytd only)* | 76.7059% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7345% | 715 |
| Loan loss allowance to noncurrent loans | 605.1282% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 5,803 |
| Noncurrent loans to loans | 0.4519% | 5,063 |
| Net loans and leases to total assets | 46.2447% | 5,528 |
| Net loans and leases to deposits | 52.7990% | 5,644 |
| Net loans and leases to core deposits | 55.6678% | 5,653 |
| Total domestic deposits to total assets | 87.5863% | 2,366 |
| Equity capital to assets | 9.3415% | 4,755 |
| Core capital (leverage) ratio | 9.0147% | 5,107 |
| Tier 1 risk-based capital ratio | 16.1608% | 3,101 |
| Total risk-based capital ratio | 17.4230% | 3,058 |
| Memoranda: | ||
| Average total assets | $54,335,000 | 5,976 |
| Average earning assets | $51,310,000 | 5,918 |
| Average equity | $5,177,000 | 6,096 |
| Average total loans | $27,270,000 | 5,936 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7327% | 1,479 |
| Cost of funding earning assets | 0.4682% | 4,228 |
| Net interest margin | 4.2645% | 1,107 |
| Noninterest income to average assets | 0.6446% | 2,941 |
| Noninterest expense to average assets | 2.6485% | 4,227 |
| Loan and lease loss provision to assets | 0.1252% | 2,757 |
| Net operating income to assets | 1.8971% | 423 |
| Return on assets (ROA) | 1.8971% | 458 |
| Pretax return on assets | 1.8971% | 753 |
| Return on Equity (ROE) | 19.7811% | 318 |
| Retained earnings to average equity (ytd only) | 4.8780% | 3,131 |
| Net charge-offs to loans | 0.1659% | 2,788 |
| Credit loss provision to net charge-offs | 147.8261% | 1,556 |
| Earnings coverage of net charge-offs (x) | 23.8696% | 1,317 |
| Efficiency ratio | 56.7035% | 5,876 |
| Assets per employee ($millions) | 3.6740% | 4,463 |
| Cash dividends to net income (ytd only)* | 75.3398% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5901% | 890 |
| Loan loss allowance to noncurrent loans | 136.9863% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.9272% | 3,927 |
| Noncurrent loans to loans | 1.8908% | 2,512 |
| Net loans and leases to total assets | 47.7699% | 5,351 |
| Net loans and leases to deposits | 54.2402% | 5,505 |
| Net loans and leases to core deposits | 57.1323% | 5,511 |
| Total domestic deposits to total assets | 88.0711% | 2,197 |
| Equity capital to assets | 8.9330% | 5,289 |
| Core capital (leverage) ratio | 8.9005% | 5,143 |
| Tier 1 risk-based capital ratio | 15.6176% | 3,417 |
| Total risk-based capital ratio | 16.8796% | 3,356 |
| Memoranda: | ||
| Average total assets | $54,294,670 | 6,013 |
| Average earning assets | $51,260,000 | 5,960 |
| Average equity | $5,207,000 | 6,127 |
| Average total loans | $27,729,670 | 5,950 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7185% | 1,486 |
| Cost of funding earning assets | 0.4860% | 4,223 |
| Net interest margin | 4.2326% | 1,111 |
| Noninterest income to average assets | 0.6087% | 3,090 |
| Noninterest expense to average assets | 2.7094% | 4,019 |
| Loan and lease loss provision to assets | 0.1336% | 2,566 |
| Net operating income to assets | 1.7741% | 494 |
| Return on assets (ROA) | 1.7741% | 548 |
| Pretax return on assets | 1.7741% | 929 |
| Return on Equity (ROE) | 17.8725% | 445 |
| Retained earnings to average equity (ytd only) | 17.8725% | 204 |
| Net charge-offs to loans | 0.0997% | 2,861 |
| Credit loss provision to net charge-offs | 257.1429% | 904 |
| Earnings coverage of net charge-offs (x) | 36.7143% | 844 |
| Efficiency ratio | 58.6817% | 5,757 |
| Assets per employee ($millions) | 3.4444% | 5,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5349% | 1,075 |
| Loan loss allowance to noncurrent loans | 211.4804% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.6006% | 4,887 |
| Noncurrent loans to loans | 1.1986% | 3,770 |
| Net loans and leases to total assets | 48.8387% | 5,133 |
| Net loans and leases to deposits | 56.1302% | 5,225 |
| Net loans and leases to core deposits | 59.1603% | 5,231 |
| Total domestic deposits to total assets | 87.0096% | 2,954 |
| Equity capital to assets | 9.8712% | 4,320 |
| Core capital (leverage) ratio | 9.2630% | 4,459 |
| Tier 1 risk-based capital ratio | 15.9920% | 3,274 |
| Total risk-based capital ratio | 17.2554% | 3,225 |
| Memoranda: | ||
| Average total assets | $53,887,000 | 6,084 |
| Average earning assets | $51,033,000 | 6,018 |
| Average equity | $5,349,000 | 6,151 |
| Average total loans | $28,081,500 | 5,982 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2154% | 1,091 |
| Cost of funding earning assets | 0.5374% | 4,933 |
| Net interest margin | 4.6780% | 676 |
| Noninterest income to average assets | 0.6503% | 2,985 |
| Noninterest expense to average assets | 2.8619% | 3,803 |
| Loan and lease loss provision to assets | 0.3123% | 2,192 |
| Net operating income to assets | 1.8736% | 451 |
| Return on assets (ROA) | 1.8736% | 498 |
| Pretax return on assets | 1.8736% | 788 |
| Return on Equity (ROE) | 19.5051% | 323 |
| Retained earnings to average equity (ytd only) | 4.1496% | 3,306 |
| Net charge-offs to loans | 0.1525% | 4,169 |
| Credit loss provision to net charge-offs | 404.7619% | 595 |
| Earnings coverage of net charge-offs (x) | 28.3333% | 1,044 |
| Efficiency ratio | 56.6958% | 5,980 |
| Assets per employee ($millions) | 3.5109% | 4,985 |
| Cash dividends to net income (ytd only)* | 78.7255% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4135% | 1,210 |
| Loan loss allowance to noncurrent loans | 289.4958% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.4519% | 5,352 |
| Noncurrent loans to loans | 0.8337% | 4,528 |
| Net loans and leases to total assets | 52.8995% | 4,776 |
| Net loans and leases to deposits | 61.2919% | 4,868 |
| Net loans and leases to core deposits | 64.7929% | 4,865 |
| Total domestic deposits to total assets | 86.3075% | 3,199 |
| Equity capital to assets | 9.9840% | 4,193 |
| Core capital (leverage) ratio | 8.6297% | 5,424 |
| Tier 1 risk-based capital ratio | 15.0327% | 3,701 |
| Total risk-based capital ratio | 16.2951% | 3,643 |
| Memoranda: | ||
| Average total assets | $54,440,000 | 6,066 |
| Average earning assets | $51,175,400 | 6,003 |
| Average equity | $5,229,400 | 6,232 |
| Average total loans | $27,538,400 | 6,059 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8921% | 2,041 |
| Cost of funding earning assets | 0.5465% | 5,114 |
| Net interest margin | 4.3457% | 1,355 |
| Noninterest income to average assets | 0.6632% | 2,912 |
| Noninterest expense to average assets | 2.7378% | 4,220 |
| Loan and lease loss provision to assets | 0.2186% | 2,874 |
| Net operating income to assets | 1.7831% | 586 |
| Return on assets (ROA) | 1.7831% | 654 |
| Pretax return on assets | 1.7831% | 1,088 |
| Return on Equity (ROE) | 18.7398% | 421 |
| Retained earnings to average equity (ytd only) | 4.0594% | 4,033 |
| Net charge-offs to loans | 0.0880% | 4,501 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 45.7767% | 802 |
| Efficiency ratio | 57.7652% | 5,821 |
| Assets per employee ($millions) | 3.6451% | 4,668 |
| Cash dividends to net income (ytd only)* | 78.3383% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3987% | 1,364 |
| Loan loss allowance to noncurrent loans | 60.9240% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 1.9003% | 2,782 |
| Noncurrent loans to loans | 3.9372% | 1,313 |
| Net loans and leases to total assets | 47.1066% | 5,648 |
| Net loans and leases to deposits | 54.3502% | 5,776 |
| Net loans and leases to core deposits | 57.3196% | 5,780 |
| Total domestic deposits to total assets | 86.6724% | 2,867 |
| Equity capital to assets | 9.6679% | 4,961 |
| Core capital (leverage) ratio | 8.1019% | 6,226 |
| Tier 1 risk-based capital ratio | 15.4742% | 3,554 |
| Total risk-based capital ratio | 16.7343% | 3,506 |
| Memoranda: | ||
| Average total assets | $54,884,000 | 6,127 |
| Average earning assets | $51,482,750 | 6,069 |
| Average equity | $5,222,250 | 6,302 |
| Average total loans | $27,286,000 | 6,147 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0166% | 1,741 |
| Cost of funding earning assets | 0.5682% | 5,160 |
| Net interest margin | 4.4484% | 1,083 |
| Noninterest income to average assets | 0.6587% | 2,901 |
| Noninterest expense to average assets | 2.6750% | 4,518 |
| Loan and lease loss provision to assets | 0.2184% | 2,889 |
| Net operating income to assets | 1.9253% | 443 |
| Return on assets (ROA) | 1.9253% | 508 |
| Pretax return on assets | 1.9253% | 812 |
| Return on Equity (ROE) | 20.3422% | 331 |
| Retained earnings to average equity (ytd only) | 4.4222% | 3,660 |
| Net charge-offs to loans | 0.0363% | 4,875 |
| Credit loss provision to net charge-offs | 1,200.0000% | 270 |
| Earnings coverage of net charge-offs (x) | 117.8000% | 371 |
| Efficiency ratio | 55.5136% | 6,173 |
| Assets per employee ($millions) | 3.9542% | 3,974 |
| Cash dividends to net income (ytd only)* | 78.2609% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2843% | 1,616 |
| Loan loss allowance to noncurrent loans | 66.4509% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 1.5629% | 3,360 |
| Noncurrent loans to loans | 3.4375% | 1,679 |
| Net loans and leases to total assets | 44.4270% | 5,972 |
| Net loans and leases to deposits | 50.5496% | 6,141 |
| Net loans and leases to core deposits | 53.0447% | 6,160 |
| Total domestic deposits to total assets | 87.8880% | 2,218 |
| Equity capital to assets | 8.7654% | 5,952 |
| Core capital (leverage) ratio | 8.3218% | 5,881 |
| Tier 1 risk-based capital ratio | 14.4323% | 4,150 |
| Total risk-based capital ratio | 15.6891% | 4,113 |
| Memoranda: | ||
| Average total assets | $54,953,330 | 6,168 |
| Average earning assets | $51,389,670 | 6,109 |
| Average equity | $5,201,000 | 6,335 |
| Average total loans | $27,585,000 | 6,173 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3759% | 948 |
| Cost of funding earning assets | 0.6406% | 4,819 |
| Net interest margin | 4.7353% | 647 |
| Noninterest income to average assets | 0.6670% | 2,828 |
| Noninterest expense to average assets | 2.7514% | 4,237 |
| Loan and lease loss provision to assets | 0.2274% | 2,673 |
| Net operating income to assets | 2.1147% | 338 |
| Return on assets (ROA) | 2.1147% | 394 |
| Pretax return on assets | 2.1147% | 619 |
| Return on Equity (ROE) | 21.4533% | 297 |
| Retained earnings to average equity (ytd only) | 21.4533% | 146 |
| Net charge-offs to loans | 0.1434% | 3,240 |
| Credit loss provision to net charge-offs | 300.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 30.9000% | 900 |
| Efficiency ratio | 54.0179% | 6,346 |
| Assets per employee ($millions) | 3.6995% | 4,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0028% | 2,344 |
| Loan loss allowance to noncurrent loans | 65.7240% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.5930% | 3,461 |
| Noncurrent loans to loans | 3.0472% | 2,118 |
| Net loans and leases to total assets | 51.2299% | 5,116 |
| Net loans and leases to deposits | 59.1605% | 5,260 |
| Net loans and leases to core deposits | 62.3416% | 5,289 |
| Total domestic deposits to total assets | 86.5947% | 3,177 |
| Equity capital to assets | 9.7111% | 4,505 |
| Core capital (leverage) ratio | 9.2871% | 4,384 |
| Tier 1 risk-based capital ratio | 14.7109% | 3,947 |
| Total risk-based capital ratio | 15.9669% | 3,902 |
| Memoranda: | ||
| Average total assets | $52,773,500 | 6,276 |
| Average earning assets | $49,331,500 | 6,227 |
| Average equity | $5,202,000 | 6,364 |
| Average total loans | $27,894,000 | 6,201 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4594% | 1,266 |
| Cost of funding earning assets | 0.8059% | 4,826 |
| Net interest margin | 4.6535% | 827 |
| Noninterest income to average assets | 0.7909% | 2,110 |
| Noninterest expense to average assets | 2.9927% | 3,620 |
| Loan and lease loss provision to assets | 0.2531% | 3,673 |
| Net operating income to assets | 1.8686% | 407 |
| Return on assets (ROA) | 1.8686% | 443 |
| Pretax return on assets | 1.8686% | 710 |
| Return on Equity (ROE) | 17.9629% | 382 |
| Retained earnings to average equity (ytd only) | 3.8115% | 3,502 |
| Net charge-offs to loans | 0.1458% | 4,975 |
| Credit loss provision to net charge-offs | 315.7895% | 743 |
| Earnings coverage of net charge-offs (x) | 26.4737% | 941 |
| Efficiency ratio | 58.5155% | 5,981 |
| Assets per employee ($millions) | 3.3369% | 5,408 |
| Cash dividends to net income (ytd only)* | 78.7810% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0950% | 2,019 |
| Loan loss allowance to noncurrent loans | 59.8719% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 1.8720% | 3,155 |
| Noncurrent loans to loans | 3.4991% | 1,830 |
| Net loans and leases to total assets | 52.3774% | 5,254 |
| Net loans and leases to deposits | 61.6900% | 5,282 |
| Net loans and leases to core deposits | 64.9772% | 5,366 |
| Total domestic deposits to total assets | 84.9043% | 3,900 |
| Equity capital to assets | 10.0192% | 4,148 |
| Core capital (leverage) ratio | 8.9777% | 4,827 |
| Tier 1 risk-based capital ratio | 15.2797% | 3,462 |
| Total risk-based capital ratio | 16.5368% | 3,418 |
| Memoranda: | ||
| Average total assets | $47,416,000 | 6,443 |
| Average earning assets | $44,052,400 | 6,386 |
| Average equity | $4,932,400 | 6,466 |
| Average total loans | $26,065,200 | 6,351 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5786% | 1,081 |
| Cost of funding earning assets | 0.8509% | 4,767 |
| Net interest margin | 4.7277% | 716 |
| Noninterest income to average assets | 0.7899% | 2,105 |
| Noninterest expense to average assets | 2.8715% | 4,051 |
| Loan and lease loss provision to assets | 0.2566% | 3,450 |
| Net operating income to assets | 2.0503% | 314 |
| Return on assets (ROA) | 2.0503% | 337 |
| Pretax return on assets | 2.0503% | 567 |
| Return on Equity (ROE) | 19.5173% | 341 |
| Retained earnings to average equity (ytd only) | 4.2075% | 3,737 |
| Net charge-offs to loans | 0.1803% | 4,352 |
| Credit loss provision to net charge-offs | 257.1429% | 1,113 |
| Earnings coverage of net charge-offs (x) | 23.1121% | 1,129 |
| Efficiency ratio | 55.4515% | 6,342 |
| Assets per employee ($millions) | 3.3706% | 5,318 |
| Cash dividends to net income (ytd only)* | 78.4424% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1175% | 2,029 |
| Loan loss allowance to noncurrent loans | 38.7237% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 2.7275% | 2,380 |
| Noncurrent loans to loans | 5.4683% | 1,088 |
| Net loans and leases to total assets | 48.8222% | 5,857 |
| Net loans and leases to deposits | 57.4822% | 5,890 |
| Net loans and leases to core deposits | 61.3648% | 5,870 |
| Total domestic deposits to total assets | 84.9344% | 3,797 |
| Equity capital to assets | 10.0002% | 4,339 |
| Core capital (leverage) ratio | 9.1573% | 4,698 |
| Tier 1 risk-based capital ratio | 15.5148% | 3,376 |
| Total risk-based capital ratio | 16.7732% | 3,335 |
| Memoranda: | ||
| Average total assets | $46,756,500 | 6,520 |
| Average earning assets | $43,403,000 | 6,466 |
| Average equity | $4,911,750 | 6,521 |
| Average total loans | $25,887,000 | 6,429 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7027% | 868 |
| Cost of funding earning assets | 0.8944% | 4,714 |
| Net interest margin | 4.8082% | 595 |
| Noninterest income to average assets | 0.7958% | 2,038 |
| Noninterest expense to average assets | 2.8798% | 4,101 |
| Loan and lease loss provision to assets | 0.2638% | 3,289 |
| Net operating income to assets | 2.1192% | 290 |
| Return on assets (ROA) | 2.1192% | 298 |
| Pretax return on assets | 2.1192% | 471 |
| Return on Equity (ROE) | 19.8204% | 323 |
| Retained earnings to average equity (ytd only) | 4.5233% | 3,309 |
| Net charge-offs to loans | 0.0766% | 4,874 |
| Credit loss provision to net charge-offs | 600.0000% | 513 |
| Earnings coverage of net charge-offs (x) | 54.2000% | 587 |
| Efficiency ratio | 54.7201% | 6,542 |
| Assets per employee ($millions) | 3.2073% | 5,622 |
| Cash dividends to net income (ytd only)* | 77.1784% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0930% | 2,133 |
| Loan loss allowance to noncurrent loans | 36.7106% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 2.9953% | 2,238 |
| Noncurrent loans to loans | 5.7013% | 1,084 |
| Net loans and leases to total assets | 51.4374% | 5,640 |
| Net loans and leases to deposits | 60.9808% | 5,614 |
| Net loans and leases to core deposits | 65.3532% | 5,577 |
| Total domestic deposits to total assets | 84.3501% | 4,194 |
| Equity capital to assets | 10.3494% | 3,690 |
| Core capital (leverage) ratio | 9.6523% | 3,732 |
| Tier 1 risk-based capital ratio | 15.3696% | 3,316 |
| Total risk-based capital ratio | 16.6256% | 3,265 |
| Memoranda: | ||
| Average total assets | $45,489,000 | 6,613 |
| Average earning assets | $42,261,000 | 6,565 |
| Average equity | $4,863,670 | 6,574 |
| Average total loans | $26,110,000 | 6,474 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9191% | 574 |
| Cost of funding earning assets | 0.9361% | 4,679 |
| Net interest margin | 4.9829% | 393 |
| Noninterest income to average assets | 0.7696% | 2,159 |
| Noninterest expense to average assets | 2.8068% | 4,408 |
| Loan and lease loss provision to assets | 0.2716% | 2,978 |
| Net operating income to assets | 2.3178% | 221 |
| Return on assets (ROA) | 2.3178% | 232 |
| Pretax return on assets | 2.3178% | 327 |
| Return on Equity (ROE) | 21.3067% | 276 |
| Retained earnings to average equity (ytd only) | 21.3067% | 147 |
| Net charge-offs to loans | 0.4071% | 2,469 |
| Credit loss provision to net charge-offs | 111.1111% | 2,408 |
| Earnings coverage of net charge-offs (x) | 10.5926% | 1,625 |
| Efficiency ratio | 52.0134% | 6,853 |
| Assets per employee ($millions) | 2.8717% | 6,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7924% | 3,036 |
| Loan loss allowance to noncurrent loans | 46.3838% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 2.2569% | 2,998 |
| Noncurrent loans to loans | 3.8644% | 1,903 |
| Net loans and leases to total assets | 57.3574% | 4,741 |
| Net loans and leases to deposits | 68.6409% | 4,588 |
| Net loans and leases to core deposits | 72.7047% | 4,695 |
| Total domestic deposits to total assets | 83.5615% | 4,673 |
| Equity capital to assets | 10.7472% | 2,933 |
| Core capital (leverage) ratio | 9.6340% | 3,620 |
| Tier 1 risk-based capital ratio | 15.6785% | 3,066 |
| Total risk-based capital ratio | 16.9326% | 3,028 |
| Memoranda: | ||
| Average total assets | $44,179,000 | 6,688 |
| Average earning assets | $41,020,000 | 6,645 |
| Average equity | $4,806,000 | 6,614 |
| Average total loans | $26,527,500 | 6,499 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2896% | 473 |
| Cost of funding earning assets | 1.1585% | 4,800 |
| Net interest margin | 5.1311% | 333 |
| Noninterest income to average assets | 0.9046% | 1,837 |
| Noninterest expense to average assets | 3.4830% | 2,225 |
| Loan and lease loss provision to assets | 0.4084% | 3,656 |
| Net operating income to assets | 1.7664% | 452 |
| Return on assets (ROA) | 1.7664% | 494 |
| Pretax return on assets | 1.7664% | 812 |
| Return on Equity (ROE) | 15.7881% | 604 |
| Retained earnings to average equity (ytd only) | 4.0319% | 3,037 |
| Net charge-offs to loans | 0.0964% | 5,886 |
| Credit loss provision to net charge-offs | 688.0000% | 307 |
| Earnings coverage of net charge-offs (x) | 36.6400% | 622 |
| Efficiency ratio | 61.5611% | 5,798 |
| Assets per employee ($millions) | 2.4948% | 7,017 |
| Cash dividends to net income (ytd only)* | 74.4624% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8268% | 2,771 |
| Loan loss allowance to noncurrent loans | 51.2848% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 2.2023% | 3,097 |
| Noncurrent loans to loans | 3.5622% | 2,114 |
| Net loans and leases to total assets | 60.6942% | 4,549 |
| Net loans and leases to deposits | 75.2529% | 3,969 |
| Net loans and leases to core deposits | 80.9160% | 4,075 |
| Total domestic deposits to total assets | 80.6536% | 5,638 |
| Equity capital to assets | 11.0207% | 2,664 |
| Core capital (leverage) ratio | 10.0636% | 3,015 |
| Tier 1 risk-based capital ratio | 15.7273% | 2,875 |
| Total risk-based capital ratio | 16.9838% | 2,837 |
| Memoranda: | ||
| Average total assets | $42,119,400 | 6,793 |
| Average earning assets | $39,016,800 | 6,759 |
| Average equity | $4,712,400 | 6,754 |
| Average total loans | $25,942,800 | 6,617 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3461% | 462 |
| Cost of funding earning assets | 1.1856% | 4,942 |
| Net interest margin | 5.1605% | 318 |
| Noninterest income to average assets | 0.9259% | 1,704 |
| Noninterest expense to average assets | 3.2947% | 2,590 |
| Loan and lease loss provision to assets | 0.4503% | 3,218 |
| Net operating income to assets | 1.9565% | 361 |
| Return on assets (ROA) | 1.9565% | 395 |
| Pretax return on assets | 1.9565% | 687 |
| Return on Equity (ROE) | 17.4216% | 542 |
| Retained earnings to average equity (ytd only) | 4.8848% | 3,066 |
| Net charge-offs to loans | 0.0412% | 6,131 |
| Credit loss provision to net charge-offs | 1,775.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 94.8425% | 327 |
| Efficiency ratio | 57.7864% | 6,299 |
| Assets per employee ($millions) | 2.6042% | 6,930 |
| Cash dividends to net income (ytd only)* | 71.9613% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8596% | 2,596 |
| Loan loss allowance to noncurrent loans | 40.3813% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 2.6067% | 2,773 |
| Noncurrent loans to loans | 4.6051% | 1,549 |
| Net loans and leases to total assets | 55.5510% | 5,614 |
| Net loans and leases to deposits | 66.7273% | 5,578 |
| Net loans and leases to core deposits | 72.4090% | 5,464 |
| Total domestic deposits to total assets | 83.2509% | 4,481 |
| Equity capital to assets | 10.7858% | 3,187 |
| Core capital (leverage) ratio | 10.0537% | 3,202 |
| Tier 1 risk-based capital ratio | 15.5604% | 2,967 |
| Total risk-based capital ratio | 16.8152% | 2,928 |
| Memoranda: | ||
| Average total assets | $42,046,500 | 6,883 |
| Average earning assets | $38,910,000 | 6,836 |
| Average equity | $4,722,000 | 6,836 |
| Average total loans | $25,873,500 | 6,707 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5890% | 292 |
| Cost of funding earning assets | 1.2180% | 5,030 |
| Net interest margin | 5.3709% | 215 |
| Noninterest income to average assets | 0.9636% | 1,472 |
| Noninterest expense to average assets | 3.3168% | 2,510 |
| Loan and lease loss provision to assets | 0.5423% | 2,606 |
| Net operating income to assets | 2.0579% | 303 |
| Return on assets (ROA) | 2.0579% | 330 |
| Pretax return on assets | 2.0579% | 540 |
| Return on Equity (ROE) | 18.0685% | 457 |
| Retained earnings to average equity (ytd only) | 5.8244% | 2,434 |
| Net charge-offs to loans | 0.0612% | 5,534 |
| Credit loss provision to net charge-offs | 1,400.0000% | 280 |
| Earnings coverage of net charge-offs (x) | 67.1250% | 466 |
| Efficiency ratio | 56.0556% | 6,631 |
| Assets per employee ($millions) | 2.4076% | 7,218 |
| Cash dividends to net income (ytd only)* | 67.7647% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7672% | 2,830 |
| Loan loss allowance to noncurrent loans | 32.8808% | 6,176 |
| Noncurrent assets plus other real estate owned to assets | 3.0598% | 2,325 |
| Noncurrent loans to loans | 5.3745% | 1,238 |
| Net loans and leases to total assets | 55.9258% | 5,714 |
| Net loans and leases to deposits | 67.4628% | 5,619 |
| Net loans and leases to core deposits | 73.4736% | 5,501 |
| Total domestic deposits to total assets | 82.8987% | 4,612 |
| Equity capital to assets | 11.0139% | 2,847 |
| Core capital (leverage) ratio | 10.2755% | 2,860 |
| Tier 1 risk-based capital ratio | 15.8924% | 2,720 |
| Total risk-based capital ratio | 17.1474% | 2,681 |
| Memoranda: | ||
| Average total assets | $41,305,000 | 6,949 |
| Average earning assets | $38,094,000 | 6,925 |
| Average equity | $4,704,330 | 6,875 |
| Average total loans | $26,145,000 | 6,738 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9717% | 180 |
| Cost of funding earning assets | 1.2353% | 5,204 |
| Net interest margin | 5.7363% | 135 |
| Noninterest income to average assets | 0.9730% | 1,383 |
| Noninterest expense to average assets | 3.3954% | 2,247 |
| Loan and lease loss provision to assets | 0.2978% | 3,655 |
| Net operating income to assets | 2.5813% | 133 |
| Return on assets (ROA) | 2.5813% | 143 |
| Pretax return on assets | 2.5813% | 221 |
| Return on Equity (ROE) | 22.2698% | 261 |
| Retained earnings to average equity (ytd only) | 22.2698% | 146 |
| Net charge-offs to loans | -0.0744% | 7,458 |
| Credit loss provision to net charge-offs | -600.0000% | 6,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1139% | 6,960 |
| Assets per employee ($millions) | 2.2479% | 7,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 4,597 |
| Loan loss allowance to noncurrent loans | 34.3633% | 6,094 |
| Noncurrent assets plus other real estate owned to assets | 2.6394% | 2,758 |
| Noncurrent loans to loans | 3.9723% | 1,973 |
| Net loans and leases to total assets | 65.5389% | 3,975 |
| Net loans and leases to deposits | 79.5506% | 3,738 |
| Net loans and leases to core deposits | 87.2852% | 3,710 |
| Total domestic deposits to total assets | 82.3864% | 4,894 |
| Equity capital to assets | 11.8528% | 2,132 |
| Core capital (leverage) ratio | 10.9804% | 2,243 |
| Tier 1 risk-based capital ratio | 16.1439% | 2,587 |
| Total risk-based capital ratio | 17.3949% | 2,549 |
| Memoranda: | ||
| Average total assets | $40,289,500 | 7,077 |
| Average earning assets | $37,236,500 | 7,045 |
| Average equity | $4,670,000 | 6,956 |
| Average total loans | $26,881,500 | 6,780 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8480% | 350 |
| Cost of funding earning assets | 1.3614% | 6,088 |
| Net interest margin | 5.4867% | 190 |
| Noninterest income to average assets | 1.0070% | 1,546 |
| Noninterest expense to average assets | 3.6537% | 2,020 |
| Loan and lease loss provision to assets | 0.1822% | 5,878 |
| Net operating income to assets | 2.2191% | 141 |
| Return on assets (ROA) | 2.2191% | 152 |
| Pretax return on assets | 2.2191% | 263 |
| Return on Equity (ROE) | 19.6373% | 262 |
| Retained earnings to average equity (ytd only) | 4.4783% | 2,116 |
| Net charge-offs to loans | 0.0397% | 6,717 |
| Credit loss provision to net charge-offs | 720.0000% | 402 |
| Earnings coverage of net charge-offs (x) | 94.9000% | 296 |
| Efficiency ratio | 60.3427% | 6,430 |
| Assets per employee ($millions) | 3.0858% | 6,019 |
| Cash dividends to net income (ytd only)* | 77.1950% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 5,142 |
| Loan loss allowance to noncurrent loans | 21.1196% | 7,011 |
| Noncurrent assets plus other real estate owned to assets | 3.9186% | 1,691 |
| Noncurrent loans to loans | 5.8489% | 1,074 |
| Net loans and leases to total assets | 66.1706% | 4,115 |
| Net loans and leases to deposits | 83.4880% | 3,362 |
| Net loans and leases to core deposits | 106.8338% | 3,236 |
| Total domestic deposits to total assets | 79.2577% | 5,919 |
| Equity capital to assets | 11.3272% | 2,448 |
| Core capital (leverage) ratio | 10.8534% | 2,315 |
| Tier 1 risk-based capital ratio | 14.7616% | 3,068 |
| Total risk-based capital ratio | 15.9307% | 3,072 |
| Memoranda: | ||
| Average total assets | $39,521,400 | 7,115 |
| Average earning assets | $36,360,800 | 7,083 |
| Average equity | $4,466,000 | 7,126 |
| Average total loans | $25,209,600 | 6,900 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9051% | 350 |
| Cost of funding earning assets | 1.3884% | 6,278 |
| Net interest margin | 5.5167% | 181 |
| Noninterest income to average assets | 0.9820% | 1,666 |
| Noninterest expense to average assets | 3.5286% | 2,205 |
| Loan and lease loss provision to assets | 0.1829% | 5,533 |
| Net operating income to assets | 2.3433% | 140 |
| Return on assets (ROA) | 2.3433% | 154 |
| Pretax return on assets | 2.3433% | 267 |
| Return on Equity (ROE) | 20.7498% | 275 |
| Retained earnings to average equity (ytd only) | 5.5473% | 2,174 |
| Net charge-offs to loans | 0.0215% | 6,597 |
| Credit loss provision to net charge-offs | 1,350.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 186.6116% | 212 |
| Efficiency ratio | 58.2774% | 6,682 |
| Assets per employee ($millions) | 2.5443% | 7,153 |
| Cash dividends to net income (ytd only)* | 73.2658% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 4,502 |
| Loan loss allowance to noncurrent loans | 30.4183% | 6,431 |
| Noncurrent assets plus other real estate owned to assets | 2.7565% | 2,520 |
| Noncurrent loans to loans | 4.2735% | 1,681 |
| Net loans and leases to total assets | 63.6647% | 4,936 |
| Net loans and leases to deposits | 77.6882% | 4,783 |
| Net loans and leases to core deposits | 95.6499% | 4,849 |
| Total domestic deposits to total assets | 81.9490% | 4,696 |
| Equity capital to assets | 11.9170% | 2,282 |
| Core capital (leverage) ratio | 10.8047% | 2,560 |
| Tier 1 risk-based capital ratio | 15.2098% | 2,944 |
| Total risk-based capital ratio | 16.3753% | 2,924 |
| Memoranda: | ||
| Average total assets | $39,372,750 | 7,183 |
| Average earning assets | $36,204,500 | 7,153 |
| Average equity | $4,446,500 | 7,201 |
| Average total loans | $24,792,750 | 6,989 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1116% | 262 |
| Cost of funding earning assets | 1.4070% | 6,453 |
| Net interest margin | 5.7046% | 137 |
| Noninterest income to average assets | 0.9403% | 1,798 |
| Noninterest expense to average assets | 3.4242% | 2,555 |
| Loan and lease loss provision to assets | 0.1810% | 5,237 |
| Net operating income to assets | 2.5744% | 97 |
| Return on assets (ROA) | 2.5744% | 107 |
| Pretax return on assets | 2.5744% | 178 |
| Return on Equity (ROE) | 23.2059% | 189 |
| Retained earnings to average equity (ytd only) | 6.2547% | 1,903 |
| Net charge-offs to loans | -0.0483% | 7,842 |
| Credit loss provision to net charge-offs | -600.0000% | 7,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4109% | 7,179 |
| Assets per employee ($millions) | 2.4264% | 7,386 |
| Cash dividends to net income (ytd only)* | 73.0469% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 4,417 |
| Loan loss allowance to noncurrent loans | 10,400.0000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 7,630 |
| Noncurrent loans to loans | 0.0123% | 7,531 |
| Net loans and leases to total assets | 62.1735% | 5,328 |
| Net loans and leases to deposits | 75.2541% | 5,284 |
| Net loans and leases to core deposits | 92.8632% | 5,258 |
| Total domestic deposits to total assets | 82.6181% | 4,413 |
| Equity capital to assets | 11.3312% | 2,650 |
| Core capital (leverage) ratio | 10.4914% | 2,822 |
| Tier 1 risk-based capital ratio | 15.4442% | 2,836 |
| Total risk-based capital ratio | 16.6112% | 2,800 |
| Memoranda: | ||
| Average total assets | $39,775,670 | 7,217 |
| Average earning assets | $36,531,670 | 7,197 |
| Average equity | $4,412,670 | 7,269 |
| Average total loans | $24,851,330 | 7,040 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1172% | 282 |
| Cost of funding earning assets | 1.4494% | 6,576 |
| Net interest margin | 5.6678% | 144 |
| Noninterest income to average assets | 0.8745% | 1,963 |
| Noninterest expense to average assets | 3.3190% | 2,602 |
| Loan and lease loss provision to assets | 0.1789% | 4,668 |
| Net operating income to assets | 2.5837% | 113 |
| Return on assets (ROA) | 2.5837% | 138 |
| Pretax return on assets | 2.5837% | 220 |
| Return on Equity (ROE) | 23.5321% | 237 |
| Retained earnings to average equity (ytd only) | 23.5321% | 102 |
| Net charge-offs to loans | -0.0479% | 7,683 |
| Credit loss provision to net charge-offs | -600.0000% | 6,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5752% | 7,161 |
| Assets per employee ($millions) | 2.8322% | 6,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 4,972 |
| Loan loss allowance to noncurrent loans | 477.0492% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.1538% | 7,101 |
| Noncurrent loans to loans | 0.2457% | 6,833 |
| Net loans and leases to total assets | 61.8799% | 5,354 |
| Net loans and leases to deposits | 76.7854% | 5,114 |
| Net loans and leases to core deposits | 95.6159% | 5,010 |
| Total domestic deposits to total assets | 80.5881% | 5,136 |
| Equity capital to assets | 11.5432% | 2,562 |
| Core capital (leverage) ratio | 10.6625% | 2,775 |
| Tier 1 risk-based capital ratio | 16.1421% | 2,638 |
| Total risk-based capital ratio | 17.2469% | 2,629 |
| Memoranda: | ||
| Average total assets | $40,252,500 | 7,235 |
| Average earning assets | $36,981,000 | 7,220 |
| Average equity | $4,419,500 | 7,313 |
| Average total loans | $25,052,500 | 7,062 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2694% | 634 |
| Cost of funding earning assets | 2.0092% | 6,384 |
| Net interest margin | 5.2602% | 301 |
| Noninterest income to average assets | 1.0084% | 1,553 |
| Noninterest expense to average assets | 3.6663% | 2,014 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.1279% | 276 |
| Return on assets (ROA) | 2.1331% | 264 |
| Pretax return on assets | 2.1331% | 456 |
| Return on Equity (ROE) | 20.5265% | 335 |
| Retained earnings to average equity (ytd only) | 4.9761% | 2,043 |
| Net charge-offs to loans | 0.0869% | 5,503 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 41.1500% | 896 |
| Efficiency ratio | 63.2753% | 5,717 |
| Assets per employee ($millions) | 2.9181% | 6,252 |
| Cash dividends to net income (ytd only)* | 75.7576% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 5,495 |
| Loan loss allowance to noncurrent loans | 113.4454% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 5,435 |
| Noncurrent loans to loans | 0.9415% | 4,728 |
| Net loans and leases to total assets | 61.2131% | 5,736 |
| Net loans and leases to deposits | 76.2346% | 5,563 |
| Net loans and leases to core deposits | 94.0539% | 5,443 |
| Total domestic deposits to total assets | 80.2957% | 4,912 |
| Equity capital to assets | 10.4323% | 3,580 |
| Core capital (leverage) ratio | 10.0234% | 3,421 |
| Tier 1 risk-based capital ratio | 15.1008% | 2,990 |
| Total risk-based capital ratio | 16.1224% | 3,029 |
| Memoranda: | ||
| Average total assets | $38,676,800 | 7,276 |
| Average earning assets | $35,188,800 | 7,277 |
| Average equity | $4,019,200 | 7,506 |
| Average total loans | $23,027,800 | 7,135 |