Home > First State Bank of Olmsted > Performance and Condition Ratios
First State Bank of Olmsted, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2528% | 3,519 |
| Cost of funding earning assets | 1.3350% | 2,409 |
| Net interest margin | 2.9178% | 3,443 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.2209% | 3,073 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.6968% | 3,205 |
| Return on assets (ROA) | 0.6968% | 3,175 |
| Pretax return on assets | 0.8243% | 3,156 |
| Return on Equity (ROE) | 7.0600% | 3,265 |
| Retained earnings to average equity (ytd only) | 5.5901% | 2,381 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.5166% | 1,613 |
| Assets per employee ($millions) | 4.5875% | 3,896 |
| Cash dividends to net income (ytd only)* | 20.7900% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 2,964 |
| Loan loss allowance to noncurrent loans | 201.3575% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 1,660 |
| Noncurrent loans to loans | 0.5332% | 1,460 |
| Net loans and leases to total assets | 59.5800% | 2,882 |
| Net loans and leases to deposits | 66.7687% | 3,126 |
| Net loans and leases to core deposits | 69.4574% | 3,338 |
| Total domestic deposits to total assets | 89.2400% | 991 |
| Equity capital to assets | 10.5329% | 1,709 |
| Core capital (leverage) ratio | 9.8750% | 2,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1399% | 891 |
| Memoranda: | ||
| Average total assets | $69,025,600 | 4,121 |
| Average earning assets | $65,768,400 | 4,079 |
| Average equity | $6,815,600 | 4,068 |
| Average total loans | $40,349,400 | 3,991 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1655% | 3,529 |
| Cost of funding earning assets | 1.2744% | 2,214 |
| Net interest margin | 2.8911% | 3,569 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.1501% | 3,213 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.7257% | 3,241 |
| Return on assets (ROA) | 0.7257% | 3,228 |
| Pretax return on assets | 0.8666% | 3,186 |
| Return on Equity (ROE) | 7.4700% | 3,318 |
| Retained earnings to average equity (ytd only) | 7.4740% | 2,150 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.8651% | 1,693 |
| Assets per employee ($millions) | 4.8652% | 3,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0881% | 2,920 |
| Loan loss allowance to noncurrent loans | 76.6031% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.8471% | 652 |
| Noncurrent loans to loans | 1.4205% | 523 |
| Net loans and leases to total assets | 58.9900% | 2,942 |
| Net loans and leases to deposits | 65.6815% | 3,153 |
| Net loans and leases to core deposits | 68.0602% | 3,317 |
| Total domestic deposits to total assets | 89.8100% | 987 |
| Equity capital to assets | 9.9996% | 1,833 |
| Core capital (leverage) ratio | 8.9450% | 3,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8495% | 1,126 |
| Memoranda: | ||
| Average total assets | $69,078,750 | 4,135 |
| Average earning assets | $65,809,000 | 4,102 |
| Average equity | $6,707,500 | 4,081 |
| Average total loans | $40,075,500 | 4,000 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0620% | 3,564 |
| Cost of funding earning assets | 1.1437% | 2,151 |
| Net interest margin | 2.9183% | 3,612 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.1412% | 3,241 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.7493% | 3,218 |
| Return on assets (ROA) | 0.7493% | 3,239 |
| Pretax return on assets | 0.8962% | 3,169 |
| Return on Equity (ROE) | 7.7900% | 3,289 |
| Retained earnings to average equity (ytd only) | 7.7926% | 2,037 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.0943% | 1,755 |
| Assets per employee ($millions) | 4.7169% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 3,046 |
| Loan loss allowance to noncurrent loans | 219.5000% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.2827% | 1,789 |
| Noncurrent loans to loans | 0.4912% | 1,487 |
| Net loans and leases to total assets | 56.9300% | 3,054 |
| Net loans and leases to deposits | 63.0945% | 3,248 |
| Net loans and leases to core deposits | 65.6779% | 3,368 |
| Total domestic deposits to total assets | 90.2200% | 862 |
| Equity capital to assets | 9.5954% | 2,096 |
| Core capital (leverage) ratio | 8.9054% | 3,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5365% | 1,209 |
| Memoranda: | ||
| Average total assets | $69,400,667 | 4,153 |
| Average earning assets | $65,927,667 | 4,120 |
| Average equity | $6,673,000 | 4,111 |
| Average total loans | $39,894,000 | 4,015 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9570% | 3,540 |
| Cost of funding earning assets | 0.9984% | 2,055 |
| Net interest margin | 2.9586% | 3,679 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.1011% | 3,379 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.8090% | 3,166 |
| Return on assets (ROA) | 0.8090% | 3,120 |
| Pretax return on assets | 0.9953% | 3,011 |
| Return on Equity (ROE) | 8.4100% | 3,198 |
| Retained earnings to average equity (ytd only) | 8.4051% | 2,114 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.4766% | 2,040 |
| Assets per employee ($millions) | 4.7063% | 3,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 3,109 |
| Loan loss allowance to noncurrent loans | 396.3636% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 2,413 |
| Noncurrent loans to loans | 0.2747% | 2,162 |
| Net loans and leases to total assets | 56.1000% | 3,035 |
| Net loans and leases to deposits | 62.2149% | 3,214 |
| Net loans and leases to core deposits | 65.5891% | 3,259 |
| Total domestic deposits to total assets | 90.1800% | 1,092 |
| Equity capital to assets | 9.5476% | 2,105 |
| Core capital (leverage) ratio | 8.9960% | 3,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7556% | 1,197 |
| Memoranda: | ||
| Average total assets | $68,724,500 | 4,214 |
| Average earning assets | $65,301,500 | 4,181 |
| Average equity | $6,615,000 | 4,170 |
| Average total loans | $39,483,000 | 4,076 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5809% | 2,853 |
| Cost of funding earning assets | 0.4918% | 1,454 |
| Net interest margin | 3.0891% | 3,205 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.2824% | 2,797 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.7776% | 3,405 |
| Return on assets (ROA) | 0.7776% | 3,342 |
| Pretax return on assets | 0.8736% | 3,423 |
| Return on Equity (ROE) | 7.7500% | 3,446 |
| Retained earnings to average equity (ytd only) | 5.8319% | 2,706 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.3823% | 1,514 |
| Assets per employee ($millions) | 4.4570% | 4,064 |
| Cash dividends to net income (ytd only)* | 24.7148% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 2,837 |
| Loan loss allowance to noncurrent loans | 109.6203% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.5908% | 847 |
| Noncurrent loans to loans | 1.0148% | 714 |
| Net loans and leases to total assets | 57.5700% | 2,862 |
| Net loans and leases to deposits | 63.9215% | 3,051 |
| Net loans and leases to core deposits | 66.8107% | 3,078 |
| Total domestic deposits to total assets | 90.0700% | 1,333 |
| Equity capital to assets | 9.7076% | 1,883 |
| Core capital (leverage) ratio | 8.7448% | 3,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5789% | 1,214 |
| Memoranda: | ||
| Average total assets | $67,647,600 | 4,251 |
| Average earning assets | $64,257,800 | 4,216 |
| Average equity | $6,790,200 | 4,242 |
| Average total loans | $38,553,600 | 4,091 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4801% | 2,684 |
| Cost of funding earning assets | 0.4035% | 1,265 |
| Net interest margin | 3.0766% | 2,998 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.2364% | 2,830 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.8215% | 3,169 |
| Return on assets (ROA) | 0.8215% | 3,132 |
| Pretax return on assets | 0.9001% | 3,310 |
| Return on Equity (ROE) | 8.1200% | 3,292 |
| Retained earnings to average equity (ytd only) | 8.1180% | 1,959 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.3337% | 1,720 |
| Assets per employee ($millions) | 4.5626% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 3,090 |
| Loan loss allowance to noncurrent loans | 296.5278% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.2689% | 1,879 |
| Noncurrent loans to loans | 0.3654% | 1,929 |
| Net loans and leases to total assets | 56.9600% | 2,802 |
| Net loans and leases to deposits | 62.8712% | 2,957 |
| Net loans and leases to core deposits | 66.4621% | 2,918 |
| Total domestic deposits to total assets | 90.6000% | 1,405 |
| Equity capital to assets | 9.2389% | 2,045 |
| Core capital (leverage) ratio | 10.2865% | 2,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0693% | 852 |
| Memoranda: | ||
| Average total assets | $67,845,750 | 4,280 |
| Average earning assets | $64,441,500 | 4,242 |
| Average equity | $6,865,250 | 4,276 |
| Average total loans | $38,461,000 | 4,113 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3931% | 2,461 |
| Cost of funding earning assets | 0.3430% | 1,335 |
| Net interest margin | 3.0500% | 2,721 |
| Noninterest income to average assets | 0.2543% | 3,647 |
| Noninterest expense to average assets | 2.3031% | 2,543 |
| Loan and lease loss provision to assets | 0.0473% | 1,719 |
| Net operating income to assets | 0.7066% | 3,293 |
| Return on assets (ROA) | 0.7066% | 3,241 |
| Pretax return on assets | 0.7953% | 3,343 |
| Return on Equity (ROE) | 6.7840% | 3,368 |
| Retained earnings to average equity (ytd only) | 6.7840% | 2,060 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2143% | 1,597 |
| Assets per employee ($millions) | 4.3349% | 4,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 3,175 |
| Loan loss allowance to noncurrent loans | 137.1336% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5003% | 1,141 |
| Noncurrent loans to loans | 0.8000% | 1,071 |
| Net loans and leases to total assets | 54.7219% | 2,887 |
| Net loans and leases to deposits | 60.6759% | 3,008 |
| Net loans and leases to core deposits | 61.2329% | 3,182 |
| Total domestic deposits to total assets | 90.1871% | 1,635 |
| Equity capital to assets | 9.6716% | 1,897 |
| Core capital (leverage) ratio | 10.4854% | 1,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0561% | 710 |
| Memoranda: | ||
| Average total assets | $67,648,000 | 4,327 |
| Average earning assets | $64,131,000 | 4,301 |
| Average equity | $7,046,000 | 4,315 |
| Average total loans | $38,145,000 | 4,173 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3255% | 2,307 |
| Cost of funding earning assets | 0.3237% | 1,425 |
| Net interest margin | 3.0018% | 2,497 |
| Noninterest income to average assets | 0.2635% | 3,549 |
| Noninterest expense to average assets | 2.2278% | 2,750 |
| Loan and lease loss provision to assets | 0.0539% | 1,416 |
| Net operating income to assets | 0.6767% | 3,136 |
| Return on assets (ROA) | 0.6767% | 3,122 |
| Pretax return on assets | 0.8145% | 3,063 |
| Return on Equity (ROE) | 6.2647% | 3,264 |
| Retained earnings to average equity (ytd only) | 6.2647% | 2,150 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9536% | 1,979 |
| Assets per employee ($millions) | 4.0861% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0898% | 3,367 |
| Loan loss allowance to noncurrent loans | 131.0127% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.5125% | 1,170 |
| Noncurrent loans to loans | 0.8318% | 1,126 |
| Net loans and leases to total assets | 54.0921% | 2,748 |
| Net loans and leases to deposits | 61.3223% | 2,772 |
| Net loans and leases to core deposits | 61.8961% | 2,977 |
| Total domestic deposits to total assets | 88.2096% | 2,424 |
| Equity capital to assets | 9.9852% | 1,898 |
| Core capital (leverage) ratio | 10.9424% | 1,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3785% | 709 |
| Memoranda: | ||
| Average total assets | $66,793,000 | 4,356 |
| Average earning assets | $63,028,500 | 4,336 |
| Average equity | $7,215,000 | 4,345 |
| Average total loans | $38,030,000 | 4,189 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6396% | 2,284 |
| Cost of funding earning assets | 0.3698% | 1,756 |
| Net interest margin | 3.2698% | 2,410 |
| Noninterest income to average assets | 0.2939% | 3,639 |
| Noninterest expense to average assets | 2.3512% | 2,654 |
| Loan and lease loss provision to assets | 0.0560% | 1,928 |
| Net operating income to assets | 0.9346% | 2,923 |
| Return on assets (ROA) | 0.9346% | 2,988 |
| Pretax return on assets | 1.0217% | 3,194 |
| Return on Equity (ROE) | 8.0464% | 3,206 |
| Retained earnings to average equity (ytd only) | 6.0649% | 2,333 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5714% | 1,911 |
| Assets per employee ($millions) | 3.7719% | 4,505 |
| Cash dividends to net income (ytd only)* | 24.6256% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 3,506 |
| Loan loss allowance to noncurrent loans | 127.7603% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.5926% | 1,114 |
| Noncurrent loans to loans | 0.8326% | 1,221 |
| Net loans and leases to total assets | 58.7418% | 2,304 |
| Net loans and leases to deposits | 67.9615% | 2,314 |
| Net loans and leases to core deposits | 68.6627% | 2,591 |
| Total domestic deposits to total assets | 86.4339% | 2,744 |
| Equity capital to assets | 11.6869% | 1,401 |
| Core capital (leverage) ratio | 11.8132% | 1,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2235% | 541 |
| Memoranda: | ||
| Average total assets | $64,307,600 | 4,399 |
| Average earning assets | $61,655,200 | 4,368 |
| Average equity | $7,469,200 | 4,383 |
| Average total loans | $37,735,000 | 4,237 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6865% | 2,313 |
| Cost of funding earning assets | 0.3760% | 1,891 |
| Net interest margin | 3.3105% | 2,391 |
| Noninterest income to average assets | 0.2921% | 3,701 |
| Noninterest expense to average assets | 2.2417% | 2,922 |
| Loan and lease loss provision to assets | 0.0559% | 1,865 |
| Net operating income to assets | 1.1001% | 2,554 |
| Return on assets (ROA) | 1.1001% | 2,612 |
| Pretax return on assets | 1.1685% | 3,024 |
| Return on Equity (ROE) | 9.4866% | 2,938 |
| Retained earnings to average equity (ytd only) | 9.4866% | 1,495 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6742% | 2,288 |
| Assets per employee ($millions) | 3.8375% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 3,636 |
| Loan loss allowance to noncurrent loans | 582.3529% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.1809% | 2,903 |
| Noncurrent loans to loans | 0.1814% | 3,223 |
| Net loans and leases to total assets | 56.8595% | 2,630 |
| Net loans and leases to deposits | 65.8758% | 2,637 |
| Net loans and leases to core deposits | 66.5423% | 2,910 |
| Total domestic deposits to total assets | 86.3132% | 2,632 |
| Equity capital to assets | 11.7999% | 1,490 |
| Core capital (leverage) ratio | 11.7983% | 1,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9605% | 605 |
| Memoranda: | ||
| Average total assets | $64,353,750 | 4,461 |
| Average earning assets | $61,701,750 | 4,423 |
| Average equity | $7,463,000 | 4,444 |
| Average total loans | $37,650,750 | 4,295 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7723% | 2,140 |
| Cost of funding earning assets | 0.3847% | 2,015 |
| Net interest margin | 3.3876% | 2,178 |
| Noninterest income to average assets | 0.3091% | 3,577 |
| Noninterest expense to average assets | 2.2230% | 3,005 |
| Loan and lease loss provision to assets | 0.0562% | 1,907 |
| Net operating income to assets | 1.2051% | 2,174 |
| Return on assets (ROA) | 1.2051% | 2,245 |
| Pretax return on assets | 1.2738% | 2,698 |
| Return on Equity (ROE) | 10.4541% | 2,600 |
| Retained earnings to average equity (ytd only) | 10.4541% | 1,269 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5659% | 2,651 |
| Assets per employee ($millions) | 3.8489% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 3,613 |
| Loan loss allowance to noncurrent loans | 368.5714% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 2,749 |
| Noncurrent loans to loans | 0.2854% | 2,909 |
| Net loans and leases to total assets | 55.6349% | 2,944 |
| Net loans and leases to deposits | 64.2708% | 2,971 |
| Net loans and leases to core deposits | 65.2068% | 3,182 |
| Total domestic deposits to total assets | 86.5631% | 2,524 |
| Equity capital to assets | 11.5631% | 1,593 |
| Core capital (leverage) ratio | 11.9282% | 1,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7795% | 631 |
| Memoranda: | ||
| Average total assets | $64,059,000 | 4,490 |
| Average earning assets | $61,341,333 | 4,458 |
| Average equity | $7,384,667 | 4,478 |
| Average total loans | $37,704,333 | 4,323 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6499% | 2,498 |
| Cost of funding earning assets | 0.3901% | 2,175 |
| Net interest margin | 3.2597% | 2,514 |
| Noninterest income to average assets | 0.3156% | 3,519 |
| Noninterest expense to average assets | 2.2407% | 2,972 |
| Loan and lease loss provision to assets | 0.0568% | 1,979 |
| Net operating income to assets | 0.8963% | 3,132 |
| Return on assets (ROA) | 0.8963% | 3,214 |
| Pretax return on assets | 1.1298% | 3,044 |
| Return on Equity (ROE) | 7.7872% | 3,393 |
| Retained earnings to average equity (ytd only) | 7.7872% | 2,319 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3775% | 2,321 |
| Assets per employee ($millions) | 3.6494% | 4,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 3,755 |
| Loan loss allowance to noncurrent loans | 1,350.0000% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 3,546 |
| Noncurrent loans to loans | 0.0759% | 3,916 |
| Net loans and leases to total assets | 58.8894% | 2,694 |
| Net loans and leases to deposits | 67.1525% | 2,793 |
| Net loans and leases to core deposits | 68.6078% | 3,010 |
| Total domestic deposits to total assets | 87.6950% | 1,999 |
| Equity capital to assets | 11.8117% | 1,385 |
| Core capital (leverage) ratio | 11.8803% | 1,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2645% | 650 |
| Memoranda: | ||
| Average total assets | $63,372,500 | 4,515 |
| Average earning assets | $60,495,500 | 4,483 |
| Average equity | $7,294,000 | 4,500 |
| Average total loans | $38,161,500 | 4,338 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0560% | 2,563 |
| Cost of funding earning assets | 0.5885% | 2,394 |
| Net interest margin | 3.4675% | 2,570 |
| Noninterest income to average assets | 0.3803% | 3,210 |
| Noninterest expense to average assets | 2.4627% | 2,950 |
| Loan and lease loss provision to assets | 0.0503% | 3,750 |
| Net operating income to assets | 0.9449% | 2,503 |
| Return on assets (ROA) | 0.9449% | 2,651 |
| Pretax return on assets | 1.1644% | 2,459 |
| Return on Equity (ROE) | 8.0055% | 2,818 |
| Retained earnings to average equity (ytd only) | 6.7990% | 1,460 |
| Net charge-offs to loans | 0.0052% | 3,158 |
| Credit loss provision to net charge-offs | 1,500.0000% | 551 |
| Earnings coverage of net charge-offs (x) | 362.5000% | 301 |
| Efficiency ratio | 66.9704% | 2,368 |
| Assets per employee ($millions) | 3.8062% | 4,504 |
| Cash dividends to net income (ytd only)* | 15.0709% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 4,086 |
| Loan loss allowance to noncurrent loans | 72.2114% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 0.8670% | 1,155 |
| Noncurrent loans to loans | 1.2966% | 1,052 |
| Net loans and leases to total assets | 60.3369% | 2,815 |
| Net loans and leases to deposits | 73.4516% | 2,541 |
| Net loans and leases to core deposits | 74.7168% | 2,846 |
| Total domestic deposits to total assets | 82.1451% | 3,632 |
| Equity capital to assets | 11.2202% | 2,082 |
| Core capital (leverage) ratio | 11.8998% | 1,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7214% | 692 |
| Memoranda: | ||
| Average total assets | $59,689,400 | 4,517 |
| Average earning assets | $56,755,000 | 4,484 |
| Average equity | $7,045,200 | 4,521 |
| Average total loans | $38,210,600 | 4,350 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1818% | 2,442 |
| Cost of funding earning assets | 0.6378% | 2,388 |
| Net interest margin | 3.5439% | 2,442 |
| Noninterest income to average assets | 0.3719% | 3,223 |
| Noninterest expense to average assets | 2.4414% | 3,021 |
| Loan and lease loss provision to assets | 0.0479% | 3,763 |
| Net operating income to assets | 1.0085% | 2,310 |
| Return on assets (ROA) | 1.0085% | 2,439 |
| Pretax return on assets | 1.2549% | 2,211 |
| Return on Equity (ROE) | 8.4291% | 2,632 |
| Retained earnings to average equity (ytd only) | 8.4291% | 1,161 |
| Net charge-offs to loans | 0.0070% | 2,870 |
| Credit loss provision to net charge-offs | 1,050.0000% | 801 |
| Earnings coverage of net charge-offs (x) | 285.5000% | 378 |
| Efficiency ratio | 65.2041% | 2,556 |
| Assets per employee ($millions) | 3.3968% | 4,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9209% | 4,001 |
| Loan loss allowance to noncurrent loans | 146.9388% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.4988% | 2,212 |
| Noncurrent loans to loans | 0.6267% | 2,229 |
| Net loans and leases to total assets | 63.3482% | 2,842 |
| Net loans and leases to deposits | 78.0970% | 2,525 |
| Net loans and leases to core deposits | 79.5355% | 2,882 |
| Total domestic deposits to total assets | 81.1148% | 3,632 |
| Equity capital to assets | 11.8460% | 1,768 |
| Core capital (leverage) ratio | 12.1255% | 1,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9473% | 791 |
| Memoranda: | ||
| Average total assets | $58,435,500 | 4,549 |
| Average earning assets | $55,605,250 | 4,519 |
| Average equity | $6,991,500 | 4,546 |
| Average total loans | $37,910,750 | 4,374 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3226% | 2,415 |
| Cost of funding earning assets | 0.6796% | 2,499 |
| Net interest margin | 3.6430% | 2,336 |
| Noninterest income to average assets | 0.3998% | 3,081 |
| Noninterest expense to average assets | 2.4369% | 3,150 |
| Loan and lease loss provision to assets | 0.0417% | 3,756 |
| Net operating income to assets | 1.0950% | 1,986 |
| Return on assets (ROA) | 1.0950% | 2,106 |
| Pretax return on assets | 1.3870% | 1,754 |
| Return on Equity (ROE) | 9.1203% | 2,306 |
| Retained earnings to average equity (ytd only) | 9.1203% | 974 |
| Net charge-offs to loans | 0.0107% | 2,569 |
| Credit loss provision to net charge-offs | 600.0000% | 1,104 |
| Earnings coverage of net charge-offs (x) | 205.5000% | 435 |
| Efficiency ratio | 63.0396% | 2,951 |
| Assets per employee ($millions) | 3.6974% | 4,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9124% | 3,948 |
| Loan loss allowance to noncurrent loans | 662.2642% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 3,634 |
| Noncurrent loans to loans | 0.1378% | 3,906 |
| Net loans and leases to total assets | 60.6475% | 3,247 |
| Net loans and leases to deposits | 74.0827% | 3,072 |
| Net loans and leases to core deposits | 75.3881% | 3,341 |
| Total domestic deposits to total assets | 81.8646% | 3,405 |
| Equity capital to assets | 11.3308% | 2,104 |
| Core capital (leverage) ratio | 12.2162% | 1,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1323% | 656 |
| Memoranda: | ||
| Average total assets | $57,533,000 | 4,572 |
| Average earning assets | $54,735,000 | 4,542 |
| Average equity | $6,907,667 | 4,580 |
| Average total loans | $37,516,667 | 4,394 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6447% | 1,872 |
| Cost of funding earning assets | 0.7277% | 2,793 |
| Net interest margin | 3.9170% | 1,615 |
| Noninterest income to average assets | 0.3572% | 3,383 |
| Noninterest expense to average assets | 2.5733% | 3,070 |
| Loan and lease loss provision to assets | 0.0219% | 3,532 |
| Net operating income to assets | 1.1007% | 1,839 |
| Return on assets (ROA) | 1.1007% | 1,939 |
| Pretax return on assets | 1.4506% | 1,434 |
| Return on Equity (ROE) | 8.8817% | 2,161 |
| Retained earnings to average equity (ytd only) | 8.8817% | 1,005 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6036% | 3,294 |
| Assets per employee ($millions) | 3.2872% | 4,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9249% | 4,022 |
| Loan loss allowance to noncurrent loans | 120.2797% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.6192% | 2,159 |
| Noncurrent loans to loans | 0.7689% | 2,077 |
| Net loans and leases to total assets | 65.9431% | 2,823 |
| Net loans and leases to deposits | 75.6601% | 3,102 |
| Net loans and leases to core deposits | 77.0619% | 3,429 |
| Total domestic deposits to total assets | 87.1571% | 1,484 |
| Equity capital to assets | 12.2595% | 1,878 |
| Core capital (leverage) ratio | 12.6328% | 1,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3850% | 710 |
| Memoranda: | ||
| Average total assets | $54,872,000 | 4,628 |
| Average earning assets | $51,672,000 | 4,608 |
| Average equity | $6,800,500 | 4,621 |
| Average total loans | $37,039,500 | 4,430 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6051% | 2,591 |
| Cost of funding earning assets | 0.7121% | 3,106 |
| Net interest margin | 3.8930% | 2,202 |
| Noninterest income to average assets | 0.3887% | 3,366 |
| Noninterest expense to average assets | 2.8748% | 2,370 |
| Loan and lease loss provision to assets | 0.0231% | 3,555 |
| Net operating income to assets | 0.9179% | 3,133 |
| Return on assets (ROA) | 0.9179% | 3,210 |
| Pretax return on assets | 1.1834% | 2,898 |
| Return on Equity (ROE) | 7.2563% | 3,462 |
| Retained earnings to average equity (ytd only) | 5.7351% | 2,014 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4385% | 2,106 |
| Assets per employee ($millions) | 3.1683% | 4,725 |
| Cash dividends to net income (ytd only)* | 20.9644% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9245% | 3,862 |
| Loan loss allowance to noncurrent loans | 38.3146% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 1.7638% | 507 |
| Noncurrent loans to loans | 2.4130% | 466 |
| Net loans and leases to total assets | 67.8469% | 2,700 |
| Net loans and leases to deposits | 78.0433% | 2,998 |
| Net loans and leases to core deposits | 78.5297% | 3,414 |
| Total domestic deposits to total assets | 86.9349% | 1,642 |
| Equity capital to assets | 12.5323% | 1,798 |
| Core capital (leverage) ratio | 13.1514% | 1,170 |
| Tier 1 risk-based capital ratio | 20.4558% | 1,255 |
| Total risk-based capital ratio | 21.4704% | 1,269 |
| Memoranda: | ||
| Average total assets | $51,968,800 | 4,721 |
| Average earning assets | $49,293,000 | 4,686 |
| Average equity | $6,573,600 | 4,687 |
| Average total loans | $35,608,200 | 4,514 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3946% | 3,373 |
| Cost of funding earning assets | 0.7134% | 3,139 |
| Net interest margin | 3.6812% | 2,987 |
| Noninterest income to average assets | 0.3547% | 3,603 |
| Noninterest expense to average assets | 2.6073% | 3,149 |
| Loan and lease loss provision to assets | 0.0233% | 3,433 |
| Net operating income to assets | 0.9476% | 3,173 |
| Return on assets (ROA) | 0.9476% | 3,249 |
| Pretax return on assets | 1.2247% | 2,901 |
| Return on Equity (ROE) | 7.4736% | 3,516 |
| Retained earnings to average equity (ytd only) | 7.4736% | 1,637 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6293% | 2,477 |
| Assets per employee ($millions) | 2.9938% | 4,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9302% | 3,925 |
| Loan loss allowance to noncurrent loans | 56.3333% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 1.4206% | 806 |
| Noncurrent loans to loans | 1.6512% | 889 |
| Net loans and leases to total assets | 70.7339% | 2,370 |
| Net loans and leases to deposits | 82.0625% | 2,676 |
| Net loans and leases to core deposits | 83.1658% | 3,164 |
| Total domestic deposits to total assets | 86.1951% | 1,906 |
| Equity capital to assets | 13.2528% | 1,482 |
| Core capital (leverage) ratio | 13.3856% | 1,175 |
| Tier 1 risk-based capital ratio | 20.8009% | 1,215 |
| Total risk-based capital ratio | 21.8233% | 1,239 |
| Memoranda: | ||
| Average total assets | $51,495,750 | 4,795 |
| Average earning assets | $48,967,750 | 4,761 |
| Average equity | $6,529,500 | 4,753 |
| Average total loans | $35,289,250 | 4,583 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4996% | 3,020 |
| Cost of funding earning assets | 0.7139% | 3,092 |
| Net interest margin | 3.7857% | 2,631 |
| Noninterest income to average assets | 0.3946% | 3,301 |
| Noninterest expense to average assets | 2.7546% | 2,740 |
| Loan and lease loss provision to assets | 0.0232% | 3,341 |
| Net operating income to assets | 0.9324% | 3,158 |
| Return on assets (ROA) | 0.9324% | 3,219 |
| Pretax return on assets | 1.2071% | 2,883 |
| Return on Equity (ROE) | 7.4640% | 3,514 |
| Retained earnings to average equity (ytd only) | 7.4640% | 1,621 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1262% | 2,364 |
| Assets per employee ($millions) | 3.1268% | 4,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9534% | 3,866 |
| Loan loss allowance to noncurrent loans | 31.0761% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 2.1503% | 403 |
| Noncurrent loans to loans | 3.0680% | 326 |
| Net loans and leases to total assets | 65.4727% | 3,171 |
| Net loans and leases to deposits | 75.1858% | 3,407 |
| Net loans and leases to core deposits | 77.9091% | 3,588 |
| Total domestic deposits to total assets | 87.0812% | 1,560 |
| Equity capital to assets | 12.4748% | 1,873 |
| Core capital (leverage) ratio | 12.7793% | 1,414 |
| Tier 1 risk-based capital ratio | 20.6647% | 1,221 |
| Total risk-based capital ratio | 21.6862% | 1,234 |
| Memoranda: | ||
| Average total assets | $51,696,000 | 4,827 |
| Average earning assets | $49,026,330 | 4,789 |
| Average equity | $6,457,670 | 4,787 |
| Average total loans | $34,939,670 | 4,627 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5106% | 2,829 |
| Cost of funding earning assets | 0.6978% | 3,066 |
| Net interest margin | 3.8128% | 2,480 |
| Noninterest income to average assets | 0.3218% | 3,710 |
| Noninterest expense to average assets | 2.7940% | 2,590 |
| Loan and lease loss provision to assets | 0.0235% | 3,125 |
| Net operating income to assets | 0.8398% | 3,485 |
| Return on assets (ROA) | 0.8398% | 3,527 |
| Pretax return on assets | 1.1066% | 3,131 |
| Return on Equity (ROE) | 6.7179% | 3,766 |
| Retained earnings to average equity (ytd only) | 6.7179% | 2,153 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2000% | 2,159 |
| Assets per employee ($millions) | 2.7867% | 5,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9589% | 3,933 |
| Loan loss allowance to noncurrent loans | 49.8498% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.6367% | 685 |
| Noncurrent loans to loans | 1.9235% | 785 |
| Net loans and leases to total assets | 68.3639% | 2,706 |
| Net loans and leases to deposits | 79.0193% | 2,945 |
| Net loans and leases to core deposits | 81.5060% | 3,225 |
| Total domestic deposits to total assets | 86.5154% | 2,059 |
| Equity capital to assets | 12.8745% | 1,528 |
| Core capital (leverage) ratio | 12.6625% | 1,427 |
| Tier 1 risk-based capital ratio | 20.2995% | 1,285 |
| Total risk-based capital ratio | 21.3289% | 1,296 |
| Memoranda: | ||
| Average total assets | $50,966,500 | 4,883 |
| Average earning assets | $48,153,000 | 4,855 |
| Average equity | $6,371,000 | 4,831 |
| Average total loans | $34,841,000 | 4,673 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3782% | 2,833 |
| Cost of funding earning assets | 0.5829% | 2,835 |
| Net interest margin | 3.7953% | 2,674 |
| Noninterest income to average assets | 0.4242% | 3,281 |
| Noninterest expense to average assets | 2.8045% | 2,676 |
| Loan and lease loss provision to assets | 0.0241% | 3,687 |
| Net operating income to assets | 0.8998% | 3,436 |
| Return on assets (ROA) | 0.8966% | 3,439 |
| Pretax return on assets | 1.1519% | 3,092 |
| Return on Equity (ROE) | 7.2943% | 3,734 |
| Retained earnings to average equity (ytd only) | 5.8223% | 2,283 |
| Net charge-offs to loans | 0.0884% | 1,894 |
| Credit loss provision to net charge-offs | 40.0000% | 3,283 |
| Earnings coverage of net charge-offs (x) | 19.5667% | 2,055 |
| Efficiency ratio | 70.3835% | 2,123 |
| Assets per employee ($millions) | 2.8762% | 5,061 |
| Cash dividends to net income (ytd only)* | 20.1794% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9384% | 4,000 |
| Loan loss allowance to noncurrent loans | 42.0716% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 1.8099% | 571 |
| Noncurrent loans to loans | 2.2306% | 579 |
| Net loans and leases to total assets | 67.0807% | 2,988 |
| Net loans and leases to deposits | 76.7780% | 3,292 |
| Net loans and leases to core deposits | 81.5139% | 3,305 |
| Total domestic deposits to total assets | 87.3696% | 1,595 |
| Equity capital to assets | 12.1378% | 1,794 |
| Core capital (leverage) ratio | 12.2174% | 1,610 |
| Tier 1 risk-based capital ratio | 19.2898% | 1,453 |
| Total risk-based capital ratio | 20.2996% | 1,472 |
| Memoranda: | ||
| Average total assets | $49,741,800 | 4,939 |
| Average earning assets | $46,663,000 | 4,920 |
| Average equity | $6,114,400 | 4,878 |
| Average total loans | $33,938,600 | 4,719 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3515% | 2,788 |
| Cost of funding earning assets | 0.5219% | 3,045 |
| Net interest margin | 3.8295% | 2,530 |
| Noninterest income to average assets | 0.4062% | 3,442 |
| Noninterest expense to average assets | 2.7514% | 2,807 |
| Loan and lease loss provision to assets | 0.0244% | 3,532 |
| Net operating income to assets | 0.9548% | 3,286 |
| Return on assets (ROA) | 0.9505% | 3,315 |
| Pretax return on assets | 1.2213% | 2,906 |
| Return on Equity (ROE) | 7.7073% | 3,661 |
| Retained earnings to average equity (ytd only) | 7.7073% | 1,789 |
| Net charge-offs to loans | -0.0040% | 4,183 |
| Credit loss provision to net charge-offs | -900.0000% | 4,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7415% | 2,397 |
| Assets per employee ($millions) | 2.9085% | 5,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 3,658 |
| Loan loss allowance to noncurrent loans | 67.2316% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 1.4016% | 952 |
| Noncurrent loans to loans | 1.5125% | 1,074 |
| Net loans and leases to total assets | 70.2821% | 2,600 |
| Net loans and leases to deposits | 80.7768% | 2,953 |
| Net loans and leases to core deposits | 86.6673% | 2,946 |
| Total domestic deposits to total assets | 87.0078% | 1,725 |
| Equity capital to assets | 12.5796% | 1,535 |
| Core capital (leverage) ratio | 13.2201% | 1,198 |
| Tier 1 risk-based capital ratio | 19.5703% | 1,422 |
| Total risk-based capital ratio | 20.6786% | 1,420 |
| Memoranda: | ||
| Average total assets | $49,234,250 | 5,005 |
| Average earning assets | $46,236,250 | 4,982 |
| Average equity | $6,072,000 | 4,936 |
| Average total loans | $33,658,750 | 4,777 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3129% | 2,716 |
| Cost of funding earning assets | 0.5094% | 2,940 |
| Net interest margin | 3.8035% | 2,553 |
| Noninterest income to average assets | 0.4475% | 3,168 |
| Noninterest expense to average assets | 2.7296% | 2,910 |
| Loan and lease loss provision to assets | 0.0244% | 3,430 |
| Net operating income to assets | 0.9926% | 3,060 |
| Return on assets (ROA) | 0.9926% | 3,060 |
| Pretax return on assets | 1.2774% | 2,602 |
| Return on Equity (ROE) | 8.1027% | 3,458 |
| Retained earnings to average equity (ytd only) | 8.1027% | 1,583 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7094% | 2,695 |
| Assets per employee ($millions) | 2.8368% | 5,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 3,540 |
| Loan loss allowance to noncurrent loans | 57.0275% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 1.6299% | 778 |
| Noncurrent loans to loans | 1.8395% | 846 |
| Net loans and leases to total assets | 69.0472% | 2,714 |
| Net loans and leases to deposits | 79.5119% | 3,000 |
| Net loans and leases to core deposits | 82.1808% | 3,227 |
| Total domestic deposits to total assets | 86.8388% | 1,913 |
| Equity capital to assets | 12.7631% | 1,413 |
| Core capital (leverage) ratio | 12.6639% | 1,359 |
| Tier 1 risk-based capital ratio | 19.8223% | 1,356 |
| Total risk-based capital ratio | 20.9545% | 1,348 |
| Memoranda: | ||
| Average total assets | $49,164,000 | 5,061 |
| Average earning assets | $46,326,330 | 5,036 |
| Average equity | $6,022,670 | 5,002 |
| Average total loans | $33,175,670 | 4,834 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1857% | 2,927 |
| Cost of funding earning assets | 0.4944% | 2,838 |
| Net interest margin | 3.6913% | 2,835 |
| Noninterest income to average assets | 0.3949% | 3,506 |
| Noninterest expense to average assets | 2.6998% | 3,041 |
| Loan and lease loss provision to assets | 0.0242% | 3,209 |
| Net operating income to assets | 0.9107% | 3,247 |
| Return on assets (ROA) | 0.9107% | 3,257 |
| Pretax return on assets | 1.1605% | 2,935 |
| Return on Equity (ROE) | 7.5883% | 3,542 |
| Retained earnings to average equity (ytd only) | 7.5883% | 1,996 |
| Net charge-offs to loans | 0.0364% | 1,791 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 956 |
| Efficiency ratio | 69.5021% | 2,578 |
| Assets per employee ($millions) | 3.1061% | 5,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0565% | 3,618 |
| Loan loss allowance to noncurrent loans | 57.4503% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 1.5514% | 881 |
| Noncurrent loans to loans | 1.8391% | 901 |
| Net loans and leases to total assets | 65.3869% | 3,130 |
| Net loans and leases to deposits | 74.6400% | 3,350 |
| Net loans and leases to core deposits | 76.4324% | 3,631 |
| Total domestic deposits to total assets | 87.6031% | 1,848 |
| Equity capital to assets | 12.1112% | 1,707 |
| Core capital (leverage) ratio | 12.0688% | 1,611 |
| Tier 1 risk-based capital ratio | 19.2457% | 1,493 |
| Total risk-based capital ratio | 20.3492% | 1,488 |
| Memoranda: | ||
| Average total assets | $49,633,500 | 5,115 |
| Average earning assets | $46,921,500 | 5,082 |
| Average equity | $5,956,500 | 5,064 |
| Average total loans | $32,938,000 | 4,895 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2632% | 2,454 |
| Cost of funding earning assets | 0.4900% | 2,423 |
| Net interest margin | 3.7732% | 2,529 |
| Noninterest income to average assets | 0.4440% | 3,345 |
| Noninterest expense to average assets | 2.7340% | 3,018 |
| Loan and lease loss provision to assets | 0.0372% | 3,525 |
| Net operating income to assets | 0.8652% | 2,889 |
| Return on assets (ROA) | 0.8652% | 2,911 |
| Pretax return on assets | 1.2183% | 2,696 |
| Return on Equity (ROE) | 7.2655% | 3,143 |
| Retained earnings to average equity (ytd only) | 5.9650% | 1,559 |
| Net charge-offs to loans | 0.0216% | 3,380 |
| Credit loss provision to net charge-offs | 257.1429% | 1,080 |
| Earnings coverage of net charge-offs (x) | 86.8571% | 719 |
| Efficiency ratio | 68.5300% | 2,790 |
| Assets per employee ($millions) | 3.0981% | 5,125 |
| Cash dividends to net income (ytd only)* | 17.8998% | 3,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 3,618 |
| Loan loss allowance to noncurrent loans | 61.3074% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 1.4787% | 931 |
| Noncurrent loans to loans | 1.7134% | 947 |
| Net loans and leases to total assets | 65.9404% | 3,107 |
| Net loans and leases to deposits | 75.3846% | 3,394 |
| Net loans and leases to core deposits | 77.1970% | 3,653 |
| Total domestic deposits to total assets | 87.4720% | 1,779 |
| Equity capital to assets | 11.8905% | 1,917 |
| Core capital (leverage) ratio | 11.9463% | 1,632 |
| Tier 1 risk-based capital ratio | 19.0248% | 1,501 |
| Total risk-based capital ratio | 20.1498% | 1,492 |
| Memoranda: | ||
| Average total assets | $48,426,600 | 5,186 |
| Average earning assets | $45,505,600 | 5,161 |
| Average equity | $5,767,000 | 5,139 |
| Average total loans | $32,370,400 | 4,955 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2663% | 2,380 |
| Cost of funding earning assets | 0.4724% | 2,495 |
| Net interest margin | 3.7939% | 2,425 |
| Noninterest income to average assets | 0.4514% | 3,322 |
| Noninterest expense to average assets | 2.6837% | 3,112 |
| Loan and lease loss provision to assets | 0.0415% | 3,276 |
| Net operating income to assets | 0.9167% | 2,938 |
| Return on assets (ROA) | 0.9167% | 3,002 |
| Pretax return on assets | 1.2851% | 2,570 |
| Return on Equity (ROE) | 7.6949% | 3,294 |
| Retained earnings to average equity (ytd only) | 7.6949% | 1,347 |
| Net charge-offs to loans | -0.0166% | 4,784 |
| Credit loss provision to net charge-offs | -375.0000% | 4,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9199% | 3,059 |
| Assets per employee ($millions) | 3.0713% | 5,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 3,584 |
| Loan loss allowance to noncurrent loans | 80.4989% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.2474% | 1,305 |
| Noncurrent loans to loans | 1.3466% | 1,404 |
| Net loans and leases to total assets | 65.9225% | 3,114 |
| Net loans and leases to deposits | 75.5569% | 3,416 |
| Net loans and leases to core deposits | 77.8539% | 3,650 |
| Total domestic deposits to total assets | 87.2489% | 1,753 |
| Equity capital to assets | 12.0856% | 1,912 |
| Core capital (leverage) ratio | 12.1601% | 1,595 |
| Tier 1 risk-based capital ratio | 18.7682% | 1,655 |
| Total risk-based capital ratio | 19.9141% | 1,636 |
| Memoranda: | ||
| Average total assets | $48,141,000 | 5,246 |
| Average earning assets | $45,159,500 | 5,223 |
| Average equity | $5,735,250 | 5,201 |
| Average total loans | $32,204,750 | 5,010 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0971% | 2,839 |
| Cost of funding earning assets | 0.4681% | 2,428 |
| Net interest margin | 3.6290% | 2,917 |
| Noninterest income to average assets | 0.4434% | 3,397 |
| Noninterest expense to average assets | 2.5310% | 3,656 |
| Loan and lease loss provision to assets | 0.0502% | 2,984 |
| Net operating income to assets | 0.9371% | 2,736 |
| Return on assets (ROA) | 0.9371% | 2,792 |
| Pretax return on assets | 1.2676% | 2,508 |
| Return on Equity (ROE) | 7.9050% | 3,083 |
| Retained earnings to average equity (ytd only) | 7.9050% | 1,203 |
| Net charge-offs to loans | -0.0125% | 4,608 |
| Credit loss provision to net charge-offs | -600.0000% | 4,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7609% | 3,391 |
| Assets per employee ($millions) | 3.1447% | 5,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 3,680 |
| Loan loss allowance to noncurrent loans | 158.3710% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.8331% | 2,129 |
| Noncurrent loans to loans | 0.6839% | 2,704 |
| Net loans and leases to total assets | 67.7662% | 2,846 |
| Net loans and leases to deposits | 77.8557% | 3,128 |
| Net loans and leases to core deposits | 81.5210% | 3,292 |
| Total domestic deposits to total assets | 87.0408% | 1,931 |
| Equity capital to assets | 12.3656% | 1,693 |
| Core capital (leverage) ratio | 11.8597% | 1,718 |
| Tier 1 risk-based capital ratio | 18.8441% | 1,624 |
| Total risk-based capital ratio | 19.9993% | 1,616 |
| Memoranda: | ||
| Average total assets | $47,807,670 | 5,295 |
| Average earning assets | $44,860,670 | 5,271 |
| Average equity | $5,667,330 | 5,243 |
| Average total loans | $32,023,000 | 5,043 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1991% | 2,282 |
| Cost of funding earning assets | 0.4616% | 2,415 |
| Net interest margin | 3.7374% | 2,364 |
| Noninterest income to average assets | 0.4571% | 3,274 |
| Noninterest expense to average assets | 2.7012% | 3,134 |
| Loan and lease loss provision to assets | 0.0499% | 2,812 |
| Net operating income to assets | 0.9808% | 2,386 |
| Return on assets (ROA) | 0.9808% | 2,435 |
| Pretax return on assets | 1.2052% | 2,577 |
| Return on Equity (ROE) | 8.4520% | 2,698 |
| Retained earnings to average equity (ytd only) | 8.4520% | 1,292 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2773% | 3,155 |
| Assets per employee ($millions) | 3.2503% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 3,905 |
| Loan loss allowance to noncurrent loans | 201.1765% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.7015% | 2,535 |
| Noncurrent loans to loans | 0.5293% | 3,225 |
| Net loans and leases to total assets | 65.1700% | 3,092 |
| Net loans and leases to deposits | 74.0716% | 3,395 |
| Net loans and leases to core deposits | 77.3988% | 3,523 |
| Total domestic deposits to total assets | 87.9825% | 1,724 |
| Equity capital to assets | 11.6319% | 2,088 |
| Core capital (leverage) ratio | 11.6291% | 1,862 |
| Tier 1 risk-based capital ratio | 18.6955% | 1,694 |
| Total risk-based capital ratio | 19.8296% | 1,681 |
| Memoranda: | ||
| Average total assets | $48,126,000 | 5,347 |
| Average earning assets | $45,057,500 | 5,318 |
| Average equity | $5,584,500 | 5,309 |
| Average total loans | $31,876,500 | 5,097 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1964% | 2,499 |
| Cost of funding earning assets | 0.4845% | 2,212 |
| Net interest margin | 3.7120% | 2,642 |
| Noninterest income to average assets | 0.4370% | 3,639 |
| Noninterest expense to average assets | 2.6306% | 3,586 |
| Loan and lease loss provision to assets | 0.0606% | 3,163 |
| Net operating income to assets | 0.9838% | 2,421 |
| Return on assets (ROA) | 0.9786% | 2,553 |
| Pretax return on assets | 1.2003% | 2,674 |
| Return on Equity (ROE) | 8.5686% | 2,627 |
| Retained earnings to average equity (ytd only) | 6.7377% | 1,342 |
| Net charge-offs to loans | 0.0167% | 3,738 |
| Credit loss provision to net charge-offs | 580.0000% | 589 |
| Earnings coverage of net charge-offs (x) | 121.2000% | 502 |
| Efficiency ratio | 67.4893% | 3,347 |
| Assets per employee ($millions) | 3.1665% | 5,196 |
| Cash dividends to net income (ytd only)* | 21.3675% | 3,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 3,939 |
| Loan loss allowance to noncurrent loans | 1,527.2727% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.4190% | 3,595 |
| Noncurrent loans to loans | 0.0695% | 4,959 |
| Net loans and leases to total assets | 65.9017% | 3,084 |
| Net loans and leases to deposits | 75.0198% | 3,411 |
| Net loans and leases to core deposits | 78.4865% | 3,538 |
| Total domestic deposits to total assets | 87.8458% | 1,715 |
| Equity capital to assets | 11.5752% | 2,103 |
| Core capital (leverage) ratio | 11.6898% | 1,796 |
| Tier 1 risk-based capital ratio | 18.5178% | 1,722 |
| Total risk-based capital ratio | 19.6374% | 1,721 |
| Memoranda: | ||
| Average total assets | $47,821,200 | 5,390 |
| Average earning assets | $44,585,600 | 5,363 |
| Average equity | $5,461,800 | 5,380 |
| Average total loans | $29,946,400 | 5,188 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1353% | 2,741 |
| Cost of funding earning assets | 0.4897% | 2,174 |
| Net interest margin | 3.6456% | 2,909 |
| Noninterest income to average assets | 0.4398% | 3,634 |
| Noninterest expense to average assets | 2.5635% | 3,786 |
| Loan and lease loss provision to assets | 0.0668% | 2,884 |
| Net operating income to assets | 0.9670% | 2,582 |
| Return on assets (ROA) | 0.9603% | 2,753 |
| Pretax return on assets | 1.1996% | 2,836 |
| Return on Equity (ROE) | 8.4359% | 2,789 |
| Retained earnings to average equity (ytd only) | 8.4359% | 1,002 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7875% | 3,458 |
| Assets per employee ($millions) | 3.1805% | 5,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 3,961 |
| Loan loss allowance to noncurrent loans | 250.7463% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.6519% | 2,946 |
| Noncurrent loans to loans | 0.4299% | 3,744 |
| Net loans and leases to total assets | 64.6349% | 3,319 |
| Net loans and leases to deposits | 74.7938% | 3,521 |
| Net loans and leases to core deposits | 78.2918% | 3,635 |
| Total domestic deposits to total assets | 86.4174% | 2,160 |
| Equity capital to assets | 11.8072% | 2,249 |
| Core capital (leverage) ratio | 11.3802% | 2,125 |
| Tier 1 risk-based capital ratio | 18.4978% | 1,790 |
| Total risk-based capital ratio | 19.6418% | 1,775 |
| Memoranda: | ||
| Average total assets | $47,902,000 | 5,443 |
| Average earning assets | $44,655,500 | 5,421 |
| Average equity | $5,452,750 | 5,437 |
| Average total loans | $29,523,500 | 5,254 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0465% | 3,080 |
| Cost of funding earning assets | 0.4813% | 2,258 |
| Net interest margin | 3.5652% | 3,230 |
| Noninterest income to average assets | 0.4461% | 3,549 |
| Noninterest expense to average assets | 2.5726% | 3,810 |
| Loan and lease loss provision to assets | 0.0667% | 2,807 |
| Net operating income to assets | 0.9465% | 2,636 |
| Return on assets (ROA) | 0.9465% | 2,783 |
| Pretax return on assets | 1.1425% | 3,026 |
| Return on Equity (ROE) | 8.4188% | 2,787 |
| Retained earnings to average equity (ytd only) | 8.4188% | 1,039 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0265% | 3,340 |
| Assets per employee ($millions) | 3.2189% | 5,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1229% | 3,822 |
| Loan loss allowance to noncurrent loans | 268.8525% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.6193% | 3,153 |
| Noncurrent loans to loans | 0.4177% | 3,859 |
| Net loans and leases to total assets | 59.8161% | 3,907 |
| Net loans and leases to deposits | 68.1365% | 4,169 |
| Net loans and leases to core deposits | 71.2320% | 4,233 |
| Total domestic deposits to total assets | 87.7887% | 1,538 |
| Equity capital to assets | 11.5279% | 2,515 |
| Core capital (leverage) ratio | 11.3078% | 2,144 |
| Tier 1 risk-based capital ratio | 19.3372% | 1,616 |
| Total risk-based capital ratio | 20.5124% | 1,597 |
| Memoranda: | ||
| Average total assets | $47,966,670 | 5,501 |
| Average earning assets | $44,878,000 | 5,482 |
| Average equity | $5,392,670 | 5,502 |
| Average total loans | $28,974,000 | 5,335 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0305% | 3,105 |
| Cost of funding earning assets | 0.4937% | 2,152 |
| Net interest margin | 3.5368% | 3,328 |
| Noninterest income to average assets | 0.4518% | 3,469 |
| Noninterest expense to average assets | 2.5351% | 3,963 |
| Loan and lease loss provision to assets | 0.0753% | 2,451 |
| Net operating income to assets | 1.0709% | 2,012 |
| Return on assets (ROA) | 1.0709% | 2,127 |
| Pretax return on assets | 1.1379% | 2,942 |
| Return on Equity (ROE) | 9.6495% | 2,133 |
| Retained earnings to average equity (ytd only) | 9.6495% | 938 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6339% | 3,524 |
| Assets per employee ($millions) | 3.2173% | 5,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 3,839 |
| Loan loss allowance to noncurrent loans | 155.0725% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.8061% | 2,678 |
| Noncurrent loans to loans | 0.7347% | 2,996 |
| Net loans and leases to total assets | 57.7177% | 4,075 |
| Net loans and leases to deposits | 65.3160% | 4,315 |
| Net loans and leases to core deposits | 68.6871% | 4,343 |
| Total domestic deposits to total assets | 88.3669% | 1,427 |
| Equity capital to assets | 11.1482% | 2,772 |
| Core capital (leverage) ratio | 10.9332% | 2,464 |
| Tier 1 risk-based capital ratio | 19.5589% | 1,604 |
| Total risk-based capital ratio | 20.7548% | 1,580 |
| Memoranda: | ||
| Average total assets | $47,808,500 | 5,555 |
| Average earning assets | $44,560,000 | 5,538 |
| Average equity | $5,306,000 | 5,555 |
| Average total loans | $28,856,500 | 5,381 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2361% | 2,432 |
| Cost of funding earning assets | 0.4765% | 2,380 |
| Net interest margin | 3.7596% | 2,524 |
| Noninterest income to average assets | 0.4509% | 3,658 |
| Noninterest expense to average assets | 2.5798% | 3,994 |
| Loan and lease loss provision to assets | 0.0893% | 2,513 |
| Net operating income to assets | 0.9688% | 2,530 |
| Return on assets (ROA) | 0.9592% | 2,654 |
| Pretax return on assets | 1.2761% | 2,377 |
| Return on Equity (ROE) | 8.9092% | 2,496 |
| Retained earnings to average equity (ytd only) | 7.4276% | 1,120 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1800% | 4,051 |
| Assets per employee ($millions) | 3.1572% | 5,342 |
| Cash dividends to net income (ytd only)* | 16.6297% | 3,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 4,278 |
| Loan loss allowance to noncurrent loans | 60.4651% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 1.5288% | 1,317 |
| Noncurrent loans to loans | 1.7469% | 1,282 |
| Net loans and leases to total assets | 61.7129% | 3,599 |
| Net loans and leases to deposits | 69.9538% | 3,928 |
| Net loans and leases to core deposits | 73.6394% | 3,974 |
| Total domestic deposits to total assets | 88.2195% | 1,526 |
| Equity capital to assets | 11.0478% | 2,773 |
| Core capital (leverage) ratio | 10.6462% | 2,778 |
| Tier 1 risk-based capital ratio | 18.6261% | 1,797 |
| Total risk-based capital ratio | 19.7589% | 1,772 |
| Memoranda: | ||
| Average total assets | $47,018,800 | 5,611 |
| Average earning assets | $43,861,000 | 5,584 |
| Average equity | $5,062,200 | 5,642 |
| Average total loans | $28,965,600 | 5,404 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2306% | 2,482 |
| Cost of funding earning assets | 0.4657% | 2,529 |
| Net interest margin | 3.7649% | 2,507 |
| Noninterest income to average assets | 0.4602% | 3,634 |
| Noninterest expense to average assets | 2.5226% | 4,128 |
| Loan and lease loss provision to assets | 0.0909% | 2,353 |
| Net operating income to assets | 1.0126% | 2,407 |
| Return on assets (ROA) | 1.0000% | 2,560 |
| Pretax return on assets | 1.3437% | 2,232 |
| Return on Equity (ROE) | 9.3495% | 2,386 |
| Retained earnings to average equity (ytd only) | 9.3495% | 775 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4739% | 4,338 |
| Assets per employee ($millions) | 3.1861% | 5,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 4,777 |
| Loan loss allowance to noncurrent loans | 59.6838% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 1.5149% | 1,481 |
| Noncurrent loans to loans | 1.6675% | 1,466 |
| Net loans and leases to total assets | 62.8612% | 3,471 |
| Net loans and leases to deposits | 71.0465% | 3,871 |
| Net loans and leases to core deposits | 75.6802% | 3,830 |
| Total domestic deposits to total assets | 88.4790% | 1,305 |
| Equity capital to assets | 10.8723% | 3,166 |
| Core capital (leverage) ratio | 11.0868% | 2,397 |
| Tier 1 risk-based capital ratio | 18.4708% | 1,909 |
| Total risk-based capital ratio | 19.5615% | 1,911 |
| Memoranda: | ||
| Average total assets | $46,934,000 | 5,681 |
| Average earning assets | $43,806,750 | 5,659 |
| Average equity | $5,019,750 | 5,722 |
| Average total loans | $28,822,500 | 5,473 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1880% | 2,586 |
| Cost of funding earning assets | 0.4587% | 2,622 |
| Net interest margin | 3.7293% | 2,586 |
| Noninterest income to average assets | 0.4673% | 3,579 |
| Noninterest expense to average assets | 2.5167% | 4,188 |
| Loan and lease loss provision to assets | 0.0943% | 2,239 |
| Net operating income to assets | 1.0316% | 2,218 |
| Return on assets (ROA) | 1.0118% | 2,445 |
| Pretax return on assets | 1.3162% | 2,307 |
| Return on Equity (ROE) | 9.5142% | 2,296 |
| Retained earnings to average equity (ytd only) | 9.5142% | 776 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6659% | 4,402 |
| Assets per employee ($millions) | 3.3152% | 5,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 4,853 |
| Loan loss allowance to noncurrent loans | 65.4709% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 1.1764% | 2,155 |
| Noncurrent loans to loans | 1.5330% | 1,727 |
| Net loans and leases to total assets | 62.0559% | 3,541 |
| Net loans and leases to deposits | 70.0012% | 3,933 |
| Net loans and leases to core deposits | 71.4548% | 4,185 |
| Total domestic deposits to total assets | 88.6497% | 1,328 |
| Equity capital to assets | 10.8569% | 3,044 |
| Core capital (leverage) ratio | 10.7910% | 2,622 |
| Tier 1 risk-based capital ratio | 19.0408% | 1,782 |
| Total risk-based capital ratio | 20.1470% | 1,780 |
| Memoranda: | ||
| Average total assets | $46,648,330 | 5,752 |
| Average earning assets | $43,601,000 | 5,722 |
| Average equity | $4,961,000 | 5,789 |
| Average total loans | $28,315,330 | 5,541 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1420% | 2,665 |
| Cost of funding earning assets | 0.4592% | 2,686 |
| Net interest margin | 3.6828% | 2,687 |
| Noninterest income to average assets | 0.5217% | 3,144 |
| Noninterest expense to average assets | 2.5318% | 4,167 |
| Loan and lease loss provision to assets | 0.0941% | 2,115 |
| Net operating income to assets | 1.0863% | 1,918 |
| Return on assets (ROA) | 1.0863% | 2,032 |
| Pretax return on assets | 1.3257% | 2,176 |
| Return on Equity (ROE) | 10.3210% | 1,859 |
| Retained earnings to average equity (ytd only) | 10.3210% | 844 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0693% | 4,470 |
| Assets per employee ($millions) | 3.2993% | 5,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 4,956 |
| Loan loss allowance to noncurrent loans | 63.1461% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 1.1799% | 2,276 |
| Noncurrent loans to loans | 1.6028% | 1,742 |
| Net loans and leases to total assets | 59.4999% | 3,728 |
| Net loans and leases to deposits | 67.1349% | 4,040 |
| Net loans and leases to core deposits | 68.5362% | 4,282 |
| Total domestic deposits to total assets | 88.6274% | 1,483 |
| Equity capital to assets | 10.8573% | 3,132 |
| Core capital (leverage) ratio | 10.3117% | 3,203 |
| Tier 1 risk-based capital ratio | 18.8161% | 1,916 |
| Total risk-based capital ratio | 19.9040% | 1,914 |
| Memoranda: | ||
| Average total assets | $46,766,000 | 5,797 |
| Average earning assets | $43,553,500 | 5,767 |
| Average equity | $4,922,000 | 5,852 |
| Average total loans | $27,926,000 | 5,599 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2193% | 2,888 |
| Cost of funding earning assets | 0.4570% | 3,103 |
| Net interest margin | 3.7623% | 2,764 |
| Noninterest income to average assets | 0.4703% | 3,712 |
| Noninterest expense to average assets | 2.6224% | 4,134 |
| Loan and lease loss provision to assets | 0.1127% | 2,287 |
| Net operating income to assets | 0.9606% | 2,579 |
| Return on assets (ROA) | 0.9623% | 2,653 |
| Pretax return on assets | 1.2527% | 2,430 |
| Return on Equity (ROE) | 9.4670% | 2,356 |
| Retained earnings to average equity (ytd only) | 5.4158% | 2,320 |
| Net charge-offs to loans | 0.0037% | 4,880 |
| Credit loss provision to net charge-offs | 5,200.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 629.0000% | 81 |
| Efficiency ratio | 65.7966% | 4,286 |
| Assets per employee ($millions) | 3.3816% | 5,101 |
| Cash dividends to net income (ytd only)* | 42.7928% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 5,236 |
| Loan loss allowance to noncurrent loans | 69.9482% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 1.0266% | 2,690 |
| Noncurrent loans to loans | 1.3743% | 2,136 |
| Net loans and leases to total assets | 58.7597% | 3,953 |
| Net loans and leases to deposits | 65.9382% | 4,333 |
| Net loans and leases to core deposits | 67.2712% | 4,574 |
| Total domestic deposits to total assets | 89.1133% | 1,167 |
| Equity capital to assets | 10.2002% | 3,852 |
| Core capital (leverage) ratio | 10.1319% | 3,392 |
| Tier 1 risk-based capital ratio | 18.2507% | 2,066 |
| Total risk-based capital ratio | 19.2783% | 2,091 |
| Memoranda: | ||
| Average total assets | $46,141,000 | 5,879 |
| Average earning assets | $43,111,400 | 5,850 |
| Average equity | $4,690,000 | 5,930 |
| Average total loans | $26,841,600 | 5,704 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1779% | 3,068 |
| Cost of funding earning assets | 0.4532% | 3,209 |
| Net interest margin | 3.7247% | 2,927 |
| Noninterest income to average assets | 0.4799% | 3,686 |
| Noninterest expense to average assets | 2.6061% | 4,180 |
| Loan and lease loss provision to assets | 0.1193% | 2,082 |
| Net operating income to assets | 0.9141% | 2,843 |
| Return on assets (ROA) | 0.9162% | 2,938 |
| Pretax return on assets | 1.2478% | 2,582 |
| Return on Equity (ROE) | 9.0219% | 2,670 |
| Retained earnings to average equity (ytd only) | 6.4441% | 2,138 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6410% | 4,267 |
| Assets per employee ($millions) | 3.3541% | 5,134 |
| Cash dividends to net income (ytd only)* | 28.5721% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9331% | 5,489 |
| Loan loss allowance to noncurrent loans | 39.4537% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 1.6163% | 1,877 |
| Noncurrent loans to loans | 2.3651% | 1,261 |
| Net loans and leases to total assets | 58.7844% | 3,965 |
| Net loans and leases to deposits | 65.9988% | 4,330 |
| Net loans and leases to core deposits | 67.3433% | 4,577 |
| Total domestic deposits to total assets | 89.0690% | 1,198 |
| Equity capital to assets | 10.2602% | 3,846 |
| Core capital (leverage) ratio | 10.0801% | 3,558 |
| Tier 1 risk-based capital ratio | 18.1234% | 2,173 |
| Total risk-based capital ratio | 19.1119% | 2,218 |
| Memoranda: | ||
| Average total assets | $45,840,750 | 5,953 |
| Average earning assets | $42,955,250 | 5,920 |
| Average equity | $4,655,250 | 6,001 |
| Average total loans | $26,530,000 | 5,781 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1479% | 3,158 |
| Cost of funding earning assets | 0.4614% | 3,196 |
| Net interest margin | 3.6865% | 3,011 |
| Noninterest income to average assets | 0.4707% | 3,704 |
| Noninterest expense to average assets | 2.6172% | 4,178 |
| Loan and lease loss provision to assets | 0.0924% | 2,484 |
| Net operating income to assets | 0.9006% | 2,798 |
| Return on assets (ROA) | 0.9105% | 2,854 |
| Pretax return on assets | 1.2184% | 2,581 |
| Return on Equity (ROE) | 8.9980% | 2,602 |
| Retained earnings to average equity (ytd only) | 5.0859% | 2,907 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8539% | 4,225 |
| Assets per employee ($millions) | 3.3856% | 5,088 |
| Cash dividends to net income (ytd only)* | 43.4783% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8987% | 5,728 |
| Loan loss allowance to noncurrent loans | 43.4783% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 1.3756% | 2,374 |
| Noncurrent loans to loans | 2.0671% | 1,621 |
| Net loans and leases to total assets | 55.8336% | 4,309 |
| Net loans and leases to deposits | 62.3548% | 4,658 |
| Net loans and leases to core deposits | 63.2248% | 4,887 |
| Total domestic deposits to total assets | 89.5418% | 1,057 |
| Equity capital to assets | 9.9076% | 4,239 |
| Core capital (leverage) ratio | 10.1380% | 3,428 |
| Tier 1 risk-based capital ratio | 18.3686% | 2,110 |
| Total risk-based capital ratio | 19.3148% | 2,189 |
| Memoranda: | ||
| Average total assets | $45,468,330 | 6,019 |
| Average earning assets | $42,479,000 | 5,988 |
| Average equity | $4,601,000 | 6,058 |
| Average total loans | $26,085,330 | 5,839 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1805% | 2,945 |
| Cost of funding earning assets | 0.4742% | 3,186 |
| Net interest margin | 3.7063% | 2,840 |
| Noninterest income to average assets | 0.4674% | 3,653 |
| Noninterest expense to average assets | 2.6425% | 4,139 |
| Loan and lease loss provision to assets | 0.0989% | 2,274 |
| Net operating income to assets | 0.9437% | 2,436 |
| Return on assets (ROA) | 0.9437% | 2,505 |
| Pretax return on assets | 1.1684% | 2,626 |
| Return on Equity (ROE) | 9.2237% | 2,363 |
| Retained earnings to average equity (ytd only) | 1.3177% | 5,090 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5862% | 4,257 |
| Assets per employee ($millions) | 3.2609% | 5,426 |
| Cash dividends to net income (ytd only)* | 85.7143% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8972% | 5,875 |
| Loan loss allowance to noncurrent loans | 51.9187% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 1.1894% | 2,881 |
| Noncurrent loans to loans | 1.7282% | 2,239 |
| Net loans and leases to total assets | 55.6471% | 4,190 |
| Net loans and leases to deposits | 62.1261% | 4,528 |
| Net loans and leases to core deposits | 63.0263% | 4,784 |
| Total domestic deposits to total assets | 89.5711% | 1,328 |
| Equity capital to assets | 9.9908% | 3,852 |
| Core capital (leverage) ratio | 10.1985% | 3,297 |
| Tier 1 risk-based capital ratio | 18.6388% | 2,077 |
| Total risk-based capital ratio | 19.5795% | 2,134 |
| Memoranda: | ||
| Average total assets | $44,503,500 | 6,102 |
| Average earning assets | $41,334,500 | 6,075 |
| Average equity | $4,553,500 | 6,116 |
| Average total loans | $25,776,000 | 5,900 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4360% | 2,445 |
| Cost of funding earning assets | 0.5093% | 3,510 |
| Net interest margin | 3.9267% | 2,194 |
| Noninterest income to average assets | 0.6110% | 3,020 |
| Noninterest expense to average assets | 2.7063% | 4,075 |
| Loan and lease loss provision to assets | 0.0960% | 3,202 |
| Net operating income to assets | 1.0280% | 2,209 |
| Return on assets (ROA) | 1.0347% | 2,250 |
| Pretax return on assets | 1.4280% | 1,692 |
| Return on Equity (ROE) | 9.8031% | 2,191 |
| Retained earnings to average equity (ytd only) | 6.4762% | 1,700 |
| Net charge-offs to loans | 0.2865% | 2,256 |
| Credit loss provision to net charge-offs | 57.7465% | 3,635 |
| Earnings coverage of net charge-offs (x) | 9.1127% | 2,555 |
| Efficiency ratio | 64.1154% | 4,873 |
| Assets per employee ($millions) | 3.0968% | 5,676 |
| Cash dividends to net income (ytd only)* | 33.9367% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8450% | 6,071 |
| Loan loss allowance to noncurrent loans | 167.1756% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 4,637 |
| Noncurrent loans to loans | 0.5054% | 4,733 |
| Net loans and leases to total assets | 59.2757% | 3,829 |
| Net loans and leases to deposits | 66.7801% | 4,206 |
| Net loans and leases to core deposits | 67.8074% | 4,536 |
| Total domestic deposits to total assets | 88.7625% | 1,770 |
| Equity capital to assets | 10.4855% | 3,180 |
| Core capital (leverage) ratio | 10.4190% | 2,999 |
| Tier 1 risk-based capital ratio | 19.0267% | 1,911 |
| Total risk-based capital ratio | 19.9439% | 1,978 |
| Memoranda: | ||
| Average total assets | $42,715,800 | 6,204 |
| Average earning assets | $39,269,200 | 6,192 |
| Average equity | $4,508,800 | 6,202 |
| Average total loans | $24,783,600 | 5,994 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4210% | 2,520 |
| Cost of funding earning assets | 0.5199% | 3,565 |
| Net interest margin | 3.9011% | 2,270 |
| Noninterest income to average assets | 0.6235% | 3,019 |
| Noninterest expense to average assets | 2.6161% | 4,335 |
| Loan and lease loss provision to assets | 0.0721% | 3,622 |
| Net operating income to assets | 1.0969% | 2,017 |
| Return on assets (ROA) | 1.1060% | 2,057 |
| Pretax return on assets | 1.5446% | 1,483 |
| Return on Equity (ROE) | 10.4601% | 2,018 |
| Retained earnings to average equity (ytd only) | 9.5713% | 889 |
| Net charge-offs to loans | -0.0109% | 5,909 |
| Credit loss provision to net charge-offs | -1,150.0000% | 6,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9896% | 5,142 |
| Assets per employee ($millions) | 3.0788% | 5,716 |
| Cash dividends to net income (ytd only)* | 8.4989% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 5,455 |
| Loan loss allowance to noncurrent loans | 69.8980% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 0.9094% | 3,860 |
| Noncurrent loans to loans | 1.5264% | 2,878 |
| Net loans and leases to total assets | 58.9472% | 3,864 |
| Net loans and leases to deposits | 66.4557% | 4,248 |
| Net loans and leases to core deposits | 67.0396% | 4,617 |
| Total domestic deposits to total assets | 88.7015% | 1,723 |
| Equity capital to assets | 10.5979% | 3,161 |
| Core capital (leverage) ratio | 10.7591% | 2,713 |
| Tier 1 risk-based capital ratio | 19.2770% | 1,912 |
| Total risk-based capital ratio | 20.4315% | 1,897 |
| Memoranda: | ||
| Average total assets | $42,556,000 | 6,279 |
| Average earning assets | $39,235,750 | 6,259 |
| Average equity | $4,499,500 | 6,284 |
| Average total loans | $24,500,000 | 6,065 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4624% | 2,342 |
| Cost of funding earning assets | 0.5289% | 3,617 |
| Net interest margin | 3.9335% | 2,097 |
| Noninterest income to average assets | 0.6608% | 2,851 |
| Noninterest expense to average assets | 2.6148% | 4,330 |
| Loan and lease loss provision to assets | 0.0708% | 3,617 |
| Net operating income to assets | 1.1517% | 1,734 |
| Return on assets (ROA) | 1.1517% | 1,850 |
| Pretax return on assets | 1.5906% | 1,395 |
| Return on Equity (ROE) | 10.9010% | 1,844 |
| Retained earnings to average equity (ytd only) | 10.9010% | 660 |
| Net charge-offs to loans | -0.0166% | 5,907 |
| Credit loss provision to net charge-offs | -750.0000% | 5,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1479% | 5,304 |
| Assets per employee ($millions) | 3.0009% | 5,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 5,424 |
| Loan loss allowance to noncurrent loans | 78.2353% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 0.8093% | 4,203 |
| Noncurrent loans to loans | 1.4128% | 3,178 |
| Net loans and leases to total assets | 56.6505% | 4,187 |
| Net loans and leases to deposits | 64.1613% | 4,480 |
| Net loans and leases to core deposits | 65.2323% | 4,773 |
| Total domestic deposits to total assets | 88.2938% | 2,049 |
| Equity capital to assets | 10.9445% | 2,804 |
| Core capital (leverage) ratio | 10.7787% | 2,588 |
| Tier 1 risk-based capital ratio | 20.4923% | 1,608 |
| Total risk-based capital ratio | 21.7046% | 1,591 |
| Memoranda: | ||
| Average total assets | $42,373,670 | 6,334 |
| Average earning assets | $38,947,330 | 6,317 |
| Average equity | $4,476,670 | 6,337 |
| Average total loans | $24,106,000 | 6,117 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3568% | 2,668 |
| Cost of funding earning assets | 0.5383% | 3,693 |
| Net interest margin | 3.8186% | 2,383 |
| Noninterest income to average assets | 0.6204% | 3,027 |
| Noninterest expense to average assets | 2.7823% | 3,759 |
| Loan and lease loss provision to assets | 0.0752% | 3,375 |
| Net operating income to assets | 1.0528% | 2,024 |
| Return on assets (ROA) | 1.0528% | 2,135 |
| Pretax return on assets | 1.2972% | 2,242 |
| Return on Equity (ROE) | 10.1449% | 2,010 |
| Retained earnings to average equity (ytd only) | 10.1449% | 1,072 |
| Net charge-offs to loans | -0.0332% | 5,939 |
| Credit loss provision to net charge-offs | -400.0000% | 5,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9683% | 4,494 |
| Assets per employee ($millions) | 3.0181% | 5,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0659% | 5,731 |
| Loan loss allowance to noncurrent loans | 76.8546% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 0.7976% | 4,376 |
| Noncurrent loans to loans | 1.3869% | 3,485 |
| Net loans and leases to total assets | 56.8954% | 3,943 |
| Net loans and leases to deposits | 64.0588% | 4,304 |
| Net loans and leases to core deposits | 65.1120% | 4,640 |
| Total domestic deposits to total assets | 88.8174% | 1,785 |
| Equity capital to assets | 10.5697% | 3,462 |
| Core capital (leverage) ratio | 10.2415% | 3,088 |
| Tier 1 risk-based capital ratio | 19.2128% | 1,976 |
| Total risk-based capital ratio | 20.3531% | 1,989 |
| Memoranda: | ||
| Average total assets | $42,554,500 | 6,386 |
| Average earning assets | $39,386,500 | 6,353 |
| Average equity | $4,416,000 | 6,413 |
| Average total loans | $24,126,000 | 6,166 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6639% | 2,737 |
| Cost of funding earning assets | 0.6926% | 3,556 |
| Net interest margin | 3.9713% | 2,515 |
| Noninterest income to average assets | 0.5688% | 3,454 |
| Noninterest expense to average assets | 2.9052% | 3,611 |
| Loan and lease loss provision to assets | 0.0732% | 4,808 |
| Net operating income to assets | 0.8960% | 2,842 |
| Return on assets (ROA) | 0.8960% | 3,075 |
| Pretax return on assets | 1.2720% | 2,513 |
| Return on Equity (ROE) | 8.6045% | 2,828 |
| Retained earnings to average equity (ytd only) | 6.2600% | 1,946 |
| Net charge-offs to loans | 0.0168% | 5,677 |
| Credit loss provision to net charge-offs | 750.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 137.7500% | 303 |
| Efficiency ratio | 68.3515% | 4,079 |
| Assets per employee ($millions) | 3.0611% | 5,920 |
| Cash dividends to net income (ytd only)* | 27.2480% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 5,814 |
| Loan loss allowance to noncurrent loans | 63.5204% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 0.9147% | 4,211 |
| Noncurrent loans to loans | 1.6365% | 3,169 |
| Net loans and leases to total assets | 55.3108% | 4,405 |
| Net loans and leases to deposits | 62.0816% | 4,777 |
| Net loans and leases to core deposits | 63.0828% | 5,054 |
| Total domestic deposits to total assets | 89.0937% | 1,499 |
| Equity capital to assets | 10.1876% | 3,907 |
| Core capital (leverage) ratio | 10.1137% | 3,256 |
| Tier 1 risk-based capital ratio | 18.7757% | 2,020 |
| Total risk-based capital ratio | 19.8754% | 2,026 |
| Memoranda: | ||
| Average total assets | $40,960,600 | 6,472 |
| Average earning assets | $37,972,400 | 6,431 |
| Average equity | $4,265,200 | 6,510 |
| Average total loans | $23,864,600 | 6,247 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7112% | 2,768 |
| Cost of funding earning assets | 0.7215% | 3,581 |
| Net interest margin | 3.9897% | 2,543 |
| Noninterest income to average assets | 0.5631% | 3,522 |
| Noninterest expense to average assets | 2.8618% | 3,741 |
| Loan and lease loss provision to assets | 0.0758% | 4,700 |
| Net operating income to assets | 0.9517% | 2,740 |
| Return on assets (ROA) | 0.9517% | 2,964 |
| Pretax return on assets | 1.3403% | 2,450 |
| Return on Equity (ROE) | 9.0877% | 2,753 |
| Retained earnings to average equity (ytd only) | 9.0877% | 1,190 |
| Net charge-offs to loans | 0.0112% | 5,550 |
| Credit loss provision to net charge-offs | 1,150.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 214.7266% | 211 |
| Efficiency ratio | 66.8976% | 4,267 |
| Assets per employee ($millions) | 3.0679% | 5,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9753% | 6,172 |
| Loan loss allowance to noncurrent loans | 152.5000% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.3725% | 5,771 |
| Noncurrent loans to loans | 0.6396% | 5,162 |
| Net loans and leases to total assets | 57.6787% | 4,181 |
| Net loans and leases to deposits | 64.7711% | 4,620 |
| Net loans and leases to core deposits | 65.8104% | 4,970 |
| Total domestic deposits to total assets | 89.0501% | 1,400 |
| Equity capital to assets | 10.2538% | 4,130 |
| Core capital (leverage) ratio | 10.2548% | 3,217 |
| Tier 1 risk-based capital ratio | 18.0490% | 2,315 |
| Total risk-based capital ratio | 19.0794% | 2,381 |
| Memoranda: | ||
| Average total assets | $40,486,750 | 6,569 |
| Average earning assets | $37,696,250 | 6,522 |
| Average equity | $4,240,000 | 6,589 |
| Average total loans | $23,842,500 | 6,335 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7727% | 2,626 |
| Cost of funding earning assets | 0.7656% | 3,478 |
| Net interest margin | 4.0071% | 2,474 |
| Noninterest income to average assets | 0.5647% | 3,490 |
| Noninterest expense to average assets | 2.9194% | 3,549 |
| Loan and lease loss provision to assets | 0.0756% | 4,679 |
| Net operating income to assets | 0.9429% | 2,696 |
| Return on assets (ROA) | 0.9429% | 2,954 |
| Pretax return on assets | 1.2908% | 2,595 |
| Return on Equity (ROE) | 8.9360% | 2,840 |
| Retained earnings to average equity (ytd only) | 8.9360% | 1,299 |
| Net charge-offs to loans | 0.0171% | 5,173 |
| Credit loss provision to net charge-offs | 750.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 135.5000% | 328 |
| Efficiency ratio | 68.1176% | 4,098 |
| Assets per employee ($millions) | 2.8340% | 6,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 6,165 |
| Loan loss allowance to noncurrent loans | 87.7323% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.6780% | 5,078 |
| Noncurrent loans to loans | 1.1389% | 4,250 |
| Net loans and leases to total assets | 58.9374% | 3,999 |
| Net loans and leases to deposits | 66.5074% | 4,443 |
| Net loans and leases to core deposits | 67.6679% | 4,831 |
| Total domestic deposits to total assets | 88.6178% | 1,750 |
| Equity capital to assets | 10.8176% | 3,322 |
| Core capital (leverage) ratio | 10.4216% | 2,898 |
| Tier 1 risk-based capital ratio | 18.8789% | 2,000 |
| Total risk-based capital ratio | 19.9466% | 2,028 |
| Memoranda: | ||
| Average total assets | $39,665,670 | 6,643 |
| Average earning assets | $36,834,670 | 6,595 |
| Average equity | $4,185,330 | 6,636 |
| Average total loans | $23,451,000 | 6,398 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7312% | 2,925 |
| Cost of funding earning assets | 0.8048% | 3,438 |
| Net interest margin | 3.9263% | 2,816 |
| Noninterest income to average assets | 0.5547% | 3,532 |
| Noninterest expense to average assets | 2.9047% | 3,606 |
| Loan and lease loss provision to assets | 0.0706% | 4,519 |
| Net operating income to assets | 0.9783% | 2,566 |
| Return on assets (ROA) | 0.9783% | 2,771 |
| Pretax return on assets | 1.2204% | 2,836 |
| Return on Equity (ROE) | 9.3901% | 2,643 |
| Retained earnings to average equity (ytd only) | 9.3901% | 1,443 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2308% | 3,939 |
| Assets per employee ($millions) | 2.8814% | 6,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9864% | 6,299 |
| Loan loss allowance to noncurrent loans | 34.1753% | 5,958 |
| Noncurrent assets plus other real estate owned to assets | 1.6684% | 3,350 |
| Noncurrent loans to loans | 2.8863% | 2,236 |
| Net loans and leases to total assets | 57.2325% | 4,179 |
| Net loans and leases to deposits | 64.1306% | 4,616 |
| Net loans and leases to core deposits | 65.2194% | 4,996 |
| Total domestic deposits to total assets | 89.2437% | 1,521 |
| Equity capital to assets | 10.3597% | 3,659 |
| Core capital (leverage) ratio | 10.2257% | 3,076 |
| Tier 1 risk-based capital ratio | 18.5158% | 2,143 |
| Total risk-based capital ratio | 19.5591% | 2,172 |
| Memoranda: | ||
| Average total assets | $39,660,500 | 6,695 |
| Average earning assets | $36,777,500 | 6,652 |
| Average equity | $4,132,000 | 6,684 |
| Average total loans | $23,366,500 | 6,449 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9137% | 3,294 |
| Cost of funding earning assets | 1.0251% | 3,197 |
| Net interest margin | 3.8887% | 3,385 |
| Noninterest income to average assets | 0.5996% | 3,165 |
| Noninterest expense to average assets | 2.9981% | 3,599 |
| Loan and lease loss provision to assets | 0.0657% | 5,791 |
| Net operating income to assets | 0.9583% | 2,370 |
| Return on assets (ROA) | 0.9583% | 2,503 |
| Pretax return on assets | 1.1089% | 2,805 |
| Return on Equity (ROE) | 8.7680% | 2,557 |
| Retained earnings to average equity (ytd only) | 3.2567% | 3,907 |
| Net charge-offs to loans | 0.0269% | 6,055 |
| Credit loss provision to net charge-offs | 400.0000% | 574 |
| Earnings coverage of net charge-offs (x) | 71.5000% | 419 |
| Efficiency ratio | 71.8504% | 3,603 |
| Assets per employee ($millions) | 2.9986% | 6,085 |
| Cash dividends to net income (ytd only)* | 62.8571% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 6,389 |
| Loan loss allowance to noncurrent loans | 49.5556% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 1.1544% | 4,306 |
| Noncurrent loans to loans | 1.9218% | 3,308 |
| Net loans and leases to total assets | 59.4967% | 4,081 |
| Net loans and leases to deposits | 66.8945% | 4,605 |
| Net loans and leases to core deposits | 68.5818% | 4,956 |
| Total domestic deposits to total assets | 88.9410% | 1,579 |
| Equity capital to assets | 10.4792% | 3,558 |
| Core capital (leverage) ratio | 10.4714% | 2,760 |
| Tier 1 risk-based capital ratio | 18.2163% | 2,127 |
| Total risk-based capital ratio | 19.2357% | 2,171 |
| Memoranda: | ||
| Average total assets | $36,523,200 | 6,781 |
| Average earning assets | $33,559,200 | 6,764 |
| Average equity | $3,991,800 | 6,748 |
| Average total loans | $22,337,400 | 6,537 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9493% | 3,330 |
| Cost of funding earning assets | 1.0629% | 3,224 |
| Net interest margin | 3.8864% | 3,452 |
| Noninterest income to average assets | 0.6275% | 3,012 |
| Noninterest expense to average assets | 3.0224% | 3,475 |
| Loan and lease loss provision to assets | 0.0668% | 5,617 |
| Net operating income to assets | 0.9060% | 2,720 |
| Return on assets (ROA) | 0.9060% | 2,852 |
| Pretax return on assets | 1.0954% | 3,038 |
| Return on Equity (ROE) | 8.1978% | 2,965 |
| Retained earnings to average equity (ytd only) | 4.1661% | 3,763 |
| Net charge-offs to loans | 0.0302% | 5,721 |
| Credit loss provision to net charge-offs | 360.0000% | 791 |
| Earnings coverage of net charge-offs (x) | 62.5667% | 528 |
| Efficiency ratio | 72.2272% | 3,509 |
| Assets per employee ($millions) | 2.8204% | 6,449 |
| Cash dividends to net income (ytd only)* | 49.1808% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 6,452 |
| Loan loss allowance to noncurrent loans | 71.2418% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 0.8346% | 5,094 |
| Noncurrent loans to loans | 1.3351% | 4,298 |
| Net loans and leases to total assets | 61.9146% | 3,747 |
| Net loans and leases to deposits | 70.1774% | 4,269 |
| Net loans and leases to core deposits | 72.0690% | 4,709 |
| Total domestic deposits to total assets | 88.2258% | 1,909 |
| Equity capital to assets | 11.1332% | 3,017 |
| Core capital (leverage) ratio | 10.8175% | 2,556 |
| Tier 1 risk-based capital ratio | 18.5536% | 2,079 |
| Total risk-based capital ratio | 19.5701% | 2,105 |
| Memoranda: | ||
| Average total assets | $35,908,500 | 6,860 |
| Average earning assets | $32,866,000 | 6,846 |
| Average equity | $3,968,500 | 6,809 |
| Average total loans | $22,067,750 | 6,614 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9829% | 3,240 |
| Cost of funding earning assets | 1.0950% | 3,284 |
| Net interest margin | 3.8879% | 3,373 |
| Noninterest income to average assets | 0.6002% | 3,143 |
| Noninterest expense to average assets | 2.9897% | 3,683 |
| Loan and lease loss provision to assets | 0.0673% | 5,466 |
| Net operating income to assets | 0.9423% | 2,471 |
| Return on assets (ROA) | 0.9423% | 2,564 |
| Pretax return on assets | 1.0882% | 2,901 |
| Return on Equity (ROE) | 8.5482% | 2,699 |
| Retained earnings to average equity (ytd only) | 2.4423% | 4,730 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1245% | 3,710 |
| Assets per employee ($millions) | 2.9038% | 6,297 |
| Cash dividends to net income (ytd only)* | 71.4286% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9760% | 6,432 |
| Loan loss allowance to noncurrent loans | 58.1769% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 1.0093% | 4,861 |
| Noncurrent loans to loans | 1.6776% | 3,912 |
| Net loans and leases to total assets | 58.3232% | 4,572 |
| Net loans and leases to deposits | 65.5326% | 5,066 |
| Net loans and leases to core deposits | 67.1885% | 5,371 |
| Total domestic deposits to total assets | 88.9987% | 1,526 |
| Equity capital to assets | 10.5166% | 3,485 |
| Core capital (leverage) ratio | 11.0947% | 2,175 |
| Tier 1 risk-based capital ratio | 18.3162% | 2,071 |
| Total risk-based capital ratio | 19.3346% | 2,101 |
| Memoranda: | ||
| Average total assets | $35,656,330 | 6,930 |
| Average earning assets | $32,511,330 | 6,916 |
| Average equity | $3,930,670 | 6,865 |
| Average total loans | $21,784,000 | 6,696 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9638% | 3,276 |
| Cost of funding earning assets | 1.1436% | 3,200 |
| Net interest margin | 3.8202% | 3,509 |
| Noninterest income to average assets | 0.6472% | 2,863 |
| Noninterest expense to average assets | 3.0281% | 3,528 |
| Loan and lease loss provision to assets | 0.0693% | 5,123 |
| Net operating income to assets | 0.9824% | 2,240 |
| Return on assets (ROA) | 0.9824% | 2,297 |
| Pretax return on assets | 1.0633% | 2,890 |
| Return on Equity (ROE) | 8.6934% | 2,612 |
| Retained earnings to average equity (ytd only) | 8.6934% | 1,495 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7778% | 3,717 |
| Assets per employee ($millions) | 2.7087% | 6,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 6,505 |
| Loan loss allowance to noncurrent loans | 58.6111% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 1.0223% | 4,863 |
| Noncurrent loans to loans | 1.6454% | 4,014 |
| Net loans and leases to total assets | 61.5341% | 3,960 |
| Net loans and leases to deposits | 69.6228% | 4,406 |
| Net loans and leases to core deposits | 70.9333% | 4,932 |
| Total domestic deposits to total assets | 88.3821% | 2,155 |
| Equity capital to assets | 11.2544% | 2,455 |
| Core capital (leverage) ratio | 11.2762% | 1,978 |
| Tier 1 risk-based capital ratio | 19.3602% | 1,722 |
| Total risk-based capital ratio | 20.3970% | 1,731 |
| Memoranda: | ||
| Average total assets | $34,609,500 | 7,025 |
| Average earning assets | $31,830,500 | 6,993 |
| Average equity | $3,911,000 | 6,908 |
| Average total loans | $21,559,000 | 6,769 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1180% | 4,016 |
| Cost of funding earning assets | 1.2383% | 4,301 |
| Net interest margin | 3.8797% | 3,593 |
| Noninterest income to average assets | 0.6497% | 3,156 |
| Noninterest expense to average assets | 3.2516% | 2,909 |
| Loan and lease loss provision to assets | 0.0647% | 6,499 |
| Net operating income to assets | 0.7433% | 3,028 |
| Return on assets (ROA) | 0.7174% | 3,287 |
| Pretax return on assets | 0.8529% | 3,464 |
| Return on Equity (ROE) | 6.1049% | 3,569 |
| Retained earnings to average equity (ytd only) | 4.0088% | 3,057 |
| Net charge-offs to loans | -0.0050% | 7,265 |
| Credit loss provision to net charge-offs | -2,100.0000% | 7,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4194% | 2,808 |
| Assets per employee ($millions) | 2.6158% | 6,829 |
| Cash dividends to net income (ytd only)* | 34.3348% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9652% | 6,511 |
| Loan loss allowance to noncurrent loans | 93.1818% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.6469% | 5,704 |
| Noncurrent loans to loans | 1.0358% | 4,998 |
| Net loans and leases to total assets | 61.8538% | 4,319 |
| Net loans and leases to deposits | 70.0900% | 4,805 |
| Net loans and leases to core deposits | 72.8627% | 5,113 |
| Total domestic deposits to total assets | 88.2491% | 2,094 |
| Equity capital to assets | 11.3480% | 2,375 |
| Core capital (leverage) ratio | 11.4067% | 1,888 |
| Tier 1 risk-based capital ratio | 19.8896% | 1,502 |
| Total risk-based capital ratio | 20.9473% | 1,522 |
| Memoranda: | ||
| Average total assets | $32,476,800 | 7,131 |
| Average earning assets | $29,718,600 | 7,100 |
| Average equity | $3,816,600 | 7,052 |
| Average total loans | $20,012,000 | 6,921 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0992% | 4,315 |
| Cost of funding earning assets | 1.2476% | 4,584 |
| Net interest margin | 3.8516% | 3,742 |
| Noninterest income to average assets | 0.6647% | 3,043 |
| Noninterest expense to average assets | 3.2237% | 2,842 |
| Loan and lease loss provision to assets | 0.0415% | 6,672 |
| Net operating income to assets | 0.8281% | 2,884 |
| Return on assets (ROA) | 0.7727% | 3,271 |
| Pretax return on assets | 0.8641% | 3,688 |
| Return on Equity (ROE) | 6.5158% | 3,566 |
| Retained earnings to average equity (ytd only) | 6.1655% | 2,277 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9078% | 2,774 |
| Assets per employee ($millions) | 2.5086% | 7,076 |
| Cash dividends to net income (ytd only)* | 5.3752% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 6,648 |
| Loan loss allowance to noncurrent loans | 70.9559% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 0.8340% | 5,427 |
| Noncurrent loans to loans | 1.3088% | 4,676 |
| Net loans and leases to total assets | 63.1363% | 4,295 |
| Net loans and leases to deposits | 72.1317% | 4,824 |
| Net loans and leases to core deposits | 72.9495% | 5,413 |
| Total domestic deposits to total assets | 87.5291% | 2,245 |
| Equity capital to assets | 12.0262% | 2,144 |
| Core capital (leverage) ratio | 11.9059% | 1,716 |
| Tier 1 risk-based capital ratio | 20.5544% | 1,436 |
| Total risk-based capital ratio | 21.5774% | 1,456 |
| Memoranda: | ||
| Average total assets | $32,094,500 | 7,227 |
| Average earning assets | $29,389,250 | 7,193 |
| Average equity | $3,806,000 | 7,145 |
| Average total loans | $19,705,250 | 7,033 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0777% | 4,569 |
| Cost of funding earning assets | 1.2557% | 4,791 |
| Net interest margin | 3.8220% | 3,799 |
| Noninterest income to average assets | 0.6829% | 2,802 |
| Noninterest expense to average assets | 3.1890% | 2,942 |
| Loan and lease loss provision to assets | 0.0376% | 6,583 |
| Net operating income to assets | 0.8888% | 2,591 |
| Return on assets (ROA) | 0.7769% | 3,226 |
| Pretax return on assets | 0.8270% | 3,792 |
| Return on Equity (ROE) | 6.5829% | 3,506 |
| Retained earnings to average equity (ytd only) | 6.0520% | 2,307 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4264% | 2,995 |
| Assets per employee ($millions) | 2.5781% | 6,985 |
| Cash dividends to net income (ytd only)* | 8.0645% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 6,556 |
| Loan loss allowance to noncurrent loans | 52.7933% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 1.0950% | 4,939 |
| Noncurrent loans to loans | 1.8242% | 3,970 |
| Net loans and leases to total assets | 57.9919% | 5,417 |
| Net loans and leases to deposits | 65.7466% | 5,837 |
| Net loans and leases to core deposits | 66.4638% | 6,206 |
| Total domestic deposits to total assets | 88.2053% | 1,880 |
| Equity capital to assets | 11.4456% | 2,488 |
| Core capital (leverage) ratio | 11.7698% | 1,768 |
| Tier 1 risk-based capital ratio | 20.7673% | 1,379 |
| Total risk-based capital ratio | 21.7959% | 1,390 |
| Memoranda: | ||
| Average total assets | $31,922,000 | 7,284 |
| Average earning assets | $29,147,000 | 7,254 |
| Average equity | $3,767,330 | 7,189 |
| Average total loans | $19,346,000 | 7,107 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1741% | 4,170 |
| Cost of funding earning assets | 1.2760% | 4,956 |
| Net interest margin | 3.8981% | 3,335 |
| Noninterest income to average assets | 0.7197% | 2,469 |
| Noninterest expense to average assets | 3.3156% | 2,475 |
| Loan and lease loss provision to assets | 0.0386% | 6,292 |
| Net operating income to assets | 0.8342% | 2,822 |
| Return on assets (ROA) | 0.6169% | 3,962 |
| Pretax return on assets | 0.6940% | 4,256 |
| Return on Equity (ROE) | 5.1433% | 4,285 |
| Retained earnings to average equity (ytd only) | 5.1433% | 3,072 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2455% | 3,027 |
| Assets per employee ($millions) | 2.4443% | 7,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 6,559 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.7112% | 5,740 |
| Noncurrent loans to loans | 1.1426% | 5,089 |
| Net loans and leases to total assets | 59.1799% | 5,260 |
| Net loans and leases to deposits | 67.3894% | 5,661 |
| Net loans and leases to core deposits | 68.1637% | 6,082 |
| Total domestic deposits to total assets | 87.8178% | 2,161 |
| Equity capital to assets | 11.8391% | 2,141 |
| Core capital (leverage) ratio | 12.0618% | 1,622 |
| Tier 1 risk-based capital ratio | 21.3311% | 1,295 |
| Total risk-based capital ratio | 22.3891% | 1,296 |
| Memoranda: | ||
| Average total assets | $31,125,500 | 7,402 |
| Average earning assets | $28,526,500 | 7,371 |
| Average equity | $3,733,000 | 7,275 |
| Average total loans | $19,206,500 | 7,203 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3047% | 5,153 |
| Cost of funding earning assets | 1.5978% | 5,038 |
| Net interest margin | 3.7069% | 4,106 |
| Noninterest income to average assets | 0.6787% | 3,091 |
| Noninterest expense to average assets | 3.5072% | 2,358 |
| Loan and lease loss provision to assets | 0.1378% | 6,266 |
| Net operating income to assets | 0.4241% | 4,035 |
| Return on assets (ROA) | 0.4617% | 4,002 |
| Pretax return on assets | 0.4685% | 4,292 |
| Return on Equity (ROE) | 3.6870% | 4,211 |
| Retained earnings to average equity (ytd only) | 3.6870% | 2,608 |
| Net charge-offs to loans | 0.0187% | 6,961 |
| Credit loss provision to net charge-offs | 1,333.3333% | 226 |
| Earnings coverage of net charge-offs (x) | 55.0000% | 480 |
| Efficiency ratio | 86.0524% | 2,108 |
| Assets per employee ($millions) | 2.3442% | 7,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 6,667 |
| Loan loss allowance to noncurrent loans | 55.9633% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 1.1025% | 4,888 |
| Noncurrent loans to loans | 1.6837% | 4,124 |
| Net loans and leases to total assets | 63.1304% | 4,781 |
| Net loans and leases to deposits | 72.1210% | 5,308 |
| Net loans and leases to core deposits | 83.1597% | 5,806 |
| Total domestic deposits to total assets | 87.5340% | 2,201 |
| Equity capital to assets | 12.1542% | 1,931 |
| Core capital (leverage) ratio | 12.2791% | 1,541 |
| Tier 1 risk-based capital ratio | 20.5812% | 1,364 |
| Total risk-based capital ratio | 21.6038% | 1,363 |
| Memoranda: | ||
| Average total assets | $29,026,000 | 7,508 |
| Average earning assets | $26,599,000 | 7,477 |
| Average equity | $3,634,400 | 7,409 |
| Average total loans | $16,058,200 | 7,403 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2594% | 5,636 |
| Cost of funding earning assets | 1.6670% | 5,076 |
| Net interest margin | 3.5924% | 4,506 |
| Noninterest income to average assets | 0.6652% | 3,251 |
| Noninterest expense to average assets | 3.4421% | 2,443 |
| Loan and lease loss provision to assets | 0.0233% | 7,122 |
| Net operating income to assets | 0.4865% | 4,045 |
| Return on assets (ROA) | 0.6233% | 3,576 |
| Pretax return on assets | 0.6373% | 4,063 |
| Return on Equity (ROE) | 4.9395% | 3,992 |
| Retained earnings to average equity (ytd only) | 4.9395% | 2,525 |
| Net charge-offs to loans | 0.0087% | 6,833 |
| Credit loss provision to net charge-offs | 500.0000% | 781 |
| Earnings coverage of net charge-offs (x) | 112.2782% | 326 |
| Efficiency ratio | 86.8545% | 1,977 |
| Assets per employee ($millions) | 2.1947% | 7,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8681% | 6,896 |
| Loan loss allowance to noncurrent loans | 333.3333% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.2734% | 6,821 |
| Noncurrent loans to loans | 0.2604% | 6,858 |
| Net loans and leases to total assets | 60.0400% | 5,574 |
| Net loans and leases to deposits | 69.2457% | 6,005 |
| Net loans and leases to core deposits | 80.7410% | 6,287 |
| Total domestic deposits to total assets | 86.7057% | 2,326 |
| Equity capital to assets | 12.9438% | 1,721 |
| Core capital (leverage) ratio | 12.5794% | 1,548 |
| Tier 1 risk-based capital ratio | 22.2101% | 1,199 |
| Total risk-based capital ratio | 23.1194% | 1,215 |
| Memoranda: | ||
| Average total assets | $28,663,750 | 7,585 |
| Average earning assets | $26,314,250 | 7,559 |
| Average equity | $3,617,000 | 7,474 |
| Average total loans | $15,217,250 | 7,506 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1012% | 6,433 |
| Cost of funding earning assets | 1.7232% | 5,160 |
| Net interest margin | 3.3780% | 5,258 |
| Noninterest income to average assets | 0.6409% | 3,409 |
| Noninterest expense to average assets | 3.3858% | 2,672 |
| Loan and lease loss provision to assets | 0.0279% | 6,964 |
| Net operating income to assets | 0.3274% | 4,774 |
| Return on assets (ROA) | 0.3274% | 4,895 |
| Pretax return on assets | 0.3274% | 5,142 |
| Return on Equity (ROE) | 2.6172% | 5,051 |
| Retained earnings to average equity (ytd only) | 2.6172% | 3,870 |
| Net charge-offs to loans | 0.0138% | 6,359 |
| Credit loss provision to net charge-offs | 400.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 675 |
| Efficiency ratio | 90.5028% | 1,765 |
| Assets per employee ($millions) | 2.3238% | 7,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9858% | 6,347 |
| Loan loss allowance to noncurrent loans | 63.4043% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 0.8872% | 5,213 |
| Noncurrent loans to loans | 1.5548% | 4,161 |
| Net loans and leases to total assets | 49.5382% | 6,914 |
| Net loans and leases to deposits | 56.5144% | 7,128 |
| Net loans and leases to core deposits | 64.5683% | 7,270 |
| Total domestic deposits to total assets | 87.6560% | 1,950 |
| Equity capital to assets | 12.0030% | 2,200 |
| Core capital (leverage) ratio | 12.3792% | 1,661 |
| Tier 1 risk-based capital ratio | 22.7536% | 1,166 |
| Total risk-based capital ratio | 23.7025% | 1,160 |
| Memoranda: | ||
| Average total assets | $28,708,000 | 7,653 |
| Average earning assets | $26,346,670 | 7,626 |
| Average equity | $3,591,670 | 7,542 |
| Average total loans | $14,529,670 | 7,617 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2213% | 6,216 |
| Cost of funding earning assets | 1.8243% | 5,003 |
| Net interest margin | 3.3970% | 5,151 |
| Noninterest income to average assets | 0.6724% | 3,055 |
| Noninterest expense to average assets | 3.5482% | 1,975 |
| Loan and lease loss provision to assets | 0.0286% | 6,568 |
| Net operating income to assets | 0.1860% | 5,698 |
| Return on assets (ROA) | 0.1860% | 5,873 |
| Pretax return on assets | 0.1860% | 5,975 |
| Return on Equity (ROE) | 1.4547% | 5,986 |
| Retained earnings to average equity (ytd only) | 1.4547% | 5,039 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2966% | 1,414 |
| Assets per employee ($millions) | 2.0091% | 7,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0411% | 5,862 |
| Loan loss allowance to noncurrent loans | 124.3697% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.5404% | 5,860 |
| Noncurrent loans to loans | 0.8371% | 5,348 |
| Net loans and leases to total assets | 50.0142% | 6,865 |
| Net loans and leases to deposits | 57.5449% | 7,064 |
| Net loans and leases to core deposits | 65.9201% | 7,243 |
| Total domestic deposits to total assets | 86.9134% | 2,260 |
| Equity capital to assets | 12.7204% | 1,872 |
| Core capital (leverage) ratio | 12.7988% | 1,562 |
| Tier 1 risk-based capital ratio | 23.9753% | 1,086 |
| Total risk-based capital ratio | 24.9780% | 1,086 |
| Memoranda: | ||
| Average total assets | $27,957,500 | 7,732 |
| Average earning assets | $25,434,500 | 7,708 |
| Average equity | $3,574,500 | 7,596 |
| Average total loans | $14,237,500 | 7,674 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8916% | 6,079 |
| Cost of funding earning assets | 2.2710% | 5,286 |
| Net interest margin | 3.6206% | 4,784 |
| Noninterest income to average assets | 0.6605% | 3,401 |
| Noninterest expense to average assets | 3.2457% | 3,166 |
| Loan and lease loss provision to assets | 0.0340% | 6,980 |
| Net operating income to assets | 0.7322% | 3,750 |
| Return on assets (ROA) | 0.7322% | 3,584 |
| Pretax return on assets | 0.7624% | 4,208 |
| Return on Equity (ROE) | 5.4802% | 4,169 |
| Retained earnings to average equity (ytd only) | 2.9379% | 3,348 |
| Net charge-offs to loans | 0.0438% | 6,160 |
| Credit loss provision to net charge-offs | 150.0000% | 3,499 |
| Earnings coverage of net charge-offs (x) | 35.1667% | 1,029 |
| Efficiency ratio | 80.2988% | 2,553 |
| Assets per employee ($millions) | 1.9848% | 7,921 |
| Cash dividends to net income (ytd only)* | 46.3918% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0239% | 5,829 |
| Loan loss allowance to noncurrent loans | 59.3496% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 0.8853% | 4,643 |
| Noncurrent loans to loans | 1.7252% | 3,177 |
| Net loans and leases to total assets | 50.7899% | 6,955 |
| Net loans and leases to deposits | 58.5116% | 7,177 |
| Net loans and leases to core deposits | 67.1376% | 7,322 |
| Total domestic deposits to total assets | 86.8032% | 2,033 |
| Equity capital to assets | 12.8513% | 1,849 |
| Core capital (leverage) ratio | 13.1637% | 1,492 |
| Tier 1 risk-based capital ratio | 24.0166% | 1,087 |
| Total risk-based capital ratio | 25.0119% | 1,088 |
| Memoranda: | ||
| Average total assets | $26,496,200 | 7,786 |
| Average earning assets | $24,747,200 | 7,755 |
| Average equity | $3,540,000 | 7,664 |
| Average total loans | $13,704,600 | 7,722 |