Home > Security Bank and Trust Co. > Performance and Condition Ratios
Security Bank and Trust Co., 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 | 3.2414% | 4,469 |
| Cost of funding earning assets | 0.4317% | 4,262 |
| Net interest margin | 2.8097% | 3,642 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 1.7197% | 4,113 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.2423% | 1,553 |
| Return on assets (ROA) | 1.2423% | 1,529 |
| Pretax return on assets | 1.2608% | 1,981 |
| Return on Equity (ROE) | 8.0400% | 3,009 |
| Retained earnings to average equity (ytd only) | 0.5828% | 3,939 |
| Net charge-offs to loans | 0.0038% | 2,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 892.0000% | 169 |
| Efficiency ratio | 57.4224% | 3,354 |
| Assets per employee ($millions) | 5.9271% | 2,880 |
| Cash dividends to net income (ytd only)* | 92.7503% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 3,206 |
| Loan loss allowance to noncurrent loans | 475.0000% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 2,978 |
| Noncurrent loans to loans | 0.2148% | 2,452 |
| Net loans and leases to total assets | 38.8700% | 4,074 |
| Net loans and leases to deposits | 46.2935% | 4,037 |
| Net loans and leases to core deposits | 51.5995% | 4,040 |
| Total domestic deposits to total assets | 83.9600% | 2,630 |
| Equity capital to assets | 15.0988% | 545 |
| Core capital (leverage) ratio | 15.1226% | 602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $69,953,200 | 4,113 |
| Average earning assets | $67,408,600 | 4,063 |
| Average equity | $10,809,600 | 3,639 |
| Average total loans | $26,279,800 | 4,199 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1453% | 4,503 |
| Cost of funding earning assets | 0.3937% | 4,266 |
| Net interest margin | 2.7517% | 3,807 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 1.7073% | 4,112 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.2077% | 1,776 |
| Return on assets (ROA) | 1.2077% | 1,762 |
| Pretax return on assets | 1.2077% | 2,281 |
| Return on Equity (ROE) | 7.7700% | 3,243 |
| Retained earnings to average equity (ytd only) | 4.0637% | 3,241 |
| Net charge-offs to loans | 0.0052% | 2,280 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 641.0000% | 245 |
| Efficiency ratio | 58.1866% | 3,183 |
| Assets per employee ($millions) | 5.8178% | 2,910 |
| Cash dividends to net income (ytd only)* | 47.7021% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 3,156 |
| Loan loss allowance to noncurrent loans | 770.2703% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 3,277 |
| Noncurrent loans to loans | 0.1350% | 2,879 |
| Net loans and leases to total assets | 38.8600% | 4,098 |
| Net loans and leases to deposits | 46.3038% | 4,043 |
| Net loans and leases to core deposits | 51.7029% | 3,989 |
| Total domestic deposits to total assets | 83.9200% | 2,798 |
| Equity capital to assets | 15.7647% | 464 |
| Core capital (leverage) ratio | 15.6658% | 539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $69,660,250 | 4,130 |
| Average earning assets | $67,060,500 | 4,089 |
| Average equity | $10,827,250 | 3,635 |
| Average total loans | $25,867,000 | 4,221 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0034% | 4,549 |
| Cost of funding earning assets | 0.3291% | 4,273 |
| Net interest margin | 2.6744% | 4,006 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 1.6751% | 4,178 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.1435% | 1,991 |
| Return on assets (ROA) | 1.1435% | 1,985 |
| Pretax return on assets | 1.1435% | 2,529 |
| Return on Equity (ROE) | 7.3900% | 3,389 |
| Retained earnings to average equity (ytd only) | 3.6591% | 3,301 |
| Net charge-offs to loans | 0.0079% | 1,928 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 408.0000% | 356 |
| Efficiency ratio | 58.8295% | 3,095 |
| Assets per employee ($millions) | 5.8758% | 2,819 |
| Cash dividends to net income (ytd only)* | 50.5025% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 2,808 |
| Loan loss allowance to noncurrent loans | 712.5000% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 3,203 |
| Noncurrent loans to loans | 0.1582% | 2,683 |
| Net loans and leases to total assets | 35.4600% | 4,196 |
| Net loans and leases to deposits | 42.0154% | 4,160 |
| Net loans and leases to core deposits | 47.5421% | 4,085 |
| Total domestic deposits to total assets | 84.3900% | 2,730 |
| Equity capital to assets | 15.4207% | 487 |
| Core capital (leverage) ratio | 15.3363% | 546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $69,609,000 | 4,151 |
| Average earning assets | $66,857,000 | 4,106 |
| Average equity | $10,767,667 | 3,654 |
| Average total loans | $25,351,667 | 4,241 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8481% | 4,592 |
| Cost of funding earning assets | 0.2228% | 4,341 |
| Net interest margin | 2.6253% | 4,182 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 1.7120% | 4,183 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.0295% | 2,443 |
| Return on assets (ROA) | 1.0295% | 2,408 |
| Pretax return on assets | 1.0295% | 2,907 |
| Return on Equity (ROE) | 6.6400% | 3,605 |
| Retained earnings to average equity (ytd only) | 2.9118% | 3,528 |
| Net charge-offs to loans | -0.0158% | 4,020 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.1570% | 2,802 |
| Assets per employee ($millions) | 5.9110% | 2,831 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 2,841 |
| Loan loss allowance to noncurrent loans | 512.5000% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 3,006 |
| Noncurrent loans to loans | 0.2229% | 2,373 |
| Net loans and leases to total assets | 35.0200% | 4,223 |
| Net loans and leases to deposits | 41.3227% | 4,184 |
| Net loans and leases to core deposits | 46.3481% | 4,099 |
| Total domestic deposits to total assets | 84.7400% | 2,921 |
| Equity capital to assets | 15.1610% | 468 |
| Core capital (leverage) ratio | 15.5837% | 507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $69,159,000 | 4,207 |
| Average earning assets | $66,431,000 | 4,166 |
| Average equity | $10,715,000 | 3,700 |
| Average total loans | $25,385,000 | 4,300 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6654% | 4,426 |
| Cost of funding earning assets | 0.0971% | 4,406 |
| Net interest margin | 2.5683% | 4,210 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.7384% | 4,106 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0081% | 2,538 |
| Return on assets (ROA) | 1.0081% | 2,488 |
| Pretax return on assets | 1.0081% | 3,053 |
| Return on Equity (ROE) | 6.3000% | 3,772 |
| Retained earnings to average equity (ytd only) | 0.3081% | 4,299 |
| Net charge-offs to loans | -0.0078% | 3,743 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.2953% | 2,593 |
| Assets per employee ($millions) | 5.6155% | 3,110 |
| Cash dividends to net income (ytd only)* | 95.1111% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1152% | 2,821 |
| Loan loss allowance to noncurrent loans | 468.8525% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.0905% | 2,915 |
| Noncurrent loans to loans | 0.2379% | 2,324 |
| Net loans and leases to total assets | 37.6300% | 4,157 |
| Net loans and leases to deposits | 45.0036% | 4,083 |
| Net loans and leases to core deposits | 48.4117% | 4,047 |
| Total domestic deposits to total assets | 83.6200% | 3,291 |
| Equity capital to assets | 15.8431% | 399 |
| Core capital (leverage) ratio | 15.6271% | 498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $66,959,200 | 4,259 |
| Average earning assets | $63,855,000 | 4,220 |
| Average equity | $10,711,400 | 3,786 |
| Average total loans | $25,531,000 | 4,316 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5896% | 4,401 |
| Cost of funding earning assets | 0.0858% | 4,380 |
| Net interest margin | 2.5037% | 4,205 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 1.7451% | 4,085 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9314% | 2,753 |
| Return on assets (ROA) | 0.9314% | 2,718 |
| Pretax return on assets | 0.9314% | 3,234 |
| Return on Equity (ROE) | 5.8100% | 3,830 |
| Retained earnings to average equity (ytd only) | 2.0646% | 4,016 |
| Net charge-offs to loans | -0.0105% | 3,728 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.2012% | 2,386 |
| Assets per employee ($millions) | 5.7190% | 3,017 |
| Cash dividends to net income (ytd only)* | 64.4540% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 2,974 |
| Loan loss allowance to noncurrent loans | 391.7808% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 2,906 |
| Noncurrent loans to loans | 0.2828% | 2,240 |
| Net loans and leases to total assets | 37.1900% | 4,177 |
| Net loans and leases to deposits | 44.2238% | 4,100 |
| Net loans and leases to core deposits | 46.7620% | 4,070 |
| Total domestic deposits to total assets | 84.1100% | 3,478 |
| Equity capital to assets | 15.7501% | 388 |
| Core capital (leverage) ratio | 16.1136% | 435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $66,852,500 | 4,290 |
| Average earning assets | $63,690,250 | 4,251 |
| Average equity | $10,720,250 | 3,838 |
| Average total loans | $25,502,250 | 4,349 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5597% | 4,318 |
| Cost of funding earning assets | 0.0825% | 4,354 |
| Net interest margin | 2.4773% | 4,124 |
| Noninterest income to average assets | 0.2928% | 3,412 |
| Noninterest expense to average assets | 1.7446% | 4,063 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9055% | 2,560 |
| Return on assets (ROA) | 0.9055% | 2,533 |
| Pretax return on assets | 0.9055% | 3,048 |
| Return on Equity (ROE) | 5.6124% | 3,677 |
| Retained earnings to average equity (ytd only) | 1.8521% | 3,796 |
| Net charge-offs to loans | -0.0079% | 3,502 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8314% | 2,535 |
| Assets per employee ($millions) | 6.0777% | 2,674 |
| Cash dividends to net income (ytd only)* | 67.0000% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 3,090 |
| Loan loss allowance to noncurrent loans | 647.7273% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 3,319 |
| Noncurrent loans to loans | 0.1726% | 2,830 |
| Net loans and leases to total assets | 37.6980% | 4,180 |
| Net loans and leases to deposits | 44.9676% | 4,071 |
| Net loans and leases to core deposits | 47.1843% | 4,070 |
| Total domestic deposits to total assets | 83.8337% | 3,714 |
| Equity capital to assets | 16.0676% | 334 |
| Core capital (leverage) ratio | 16.1153% | 366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,260,667 | 4,338 |
| Average earning assets | $63,053,333 | 4,314 |
| Average equity | $10,690,667 | 3,913 |
| Average total loans | $25,399,000 | 4,405 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5459% | 4,205 |
| Cost of funding earning assets | 0.0830% | 4,320 |
| Net interest margin | 2.4630% | 3,968 |
| Noninterest income to average assets | 0.2971% | 3,338 |
| Noninterest expense to average assets | 1.7585% | 4,038 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8793% | 2,367 |
| Return on assets (ROA) | 0.8793% | 2,368 |
| Pretax return on assets | 0.8793% | 2,859 |
| Return on Equity (ROE) | 5.4383% | 3,500 |
| Retained earnings to average equity (ytd only) | 1.6503% | 3,643 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 2,680 |
| Assets per employee ($millions) | 5.9809% | 2,826 |
| Cash dividends to net income (ytd only)* | 69.6552% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 3,198 |
| Loan loss allowance to noncurrent loans | 617.3913% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 3,365 |
| Noncurrent loans to loans | 0.1830% | 2,899 |
| Net loans and leases to total assets | 37.7656% | 4,125 |
| Net loans and leases to deposits | 45.1237% | 4,015 |
| Net loans and leases to core deposits | 47.3898% | 4,012 |
| Total domestic deposits to total assets | 83.6936% | 3,826 |
| Equity capital to assets | 16.2441% | 299 |
| Core capital (leverage) ratio | 16.0639% | 342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,963,500 | 4,362 |
| Average earning assets | $62,688,000 | 4,339 |
| Average equity | $10,665,000 | 3,985 |
| Average total loans | $25,354,500 | 4,421 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7565% | 4,257 |
| Cost of funding earning assets | 0.0926% | 4,439 |
| Net interest margin | 2.6639% | 3,936 |
| Noninterest income to average assets | 0.2800% | 3,715 |
| Noninterest expense to average assets | 1.7470% | 4,234 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0072% | 2,639 |
| Return on assets (ROA) | 1.0072% | 2,709 |
| Pretax return on assets | 1.0072% | 3,245 |
| Return on Equity (ROE) | 6.0247% | 3,769 |
| Retained earnings to average equity (ytd only) | 0.2994% | 4,415 |
| Net charge-offs to loans | -0.0115% | 3,792 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4299% | 2,655 |
| Assets per employee ($millions) | 6.0125% | 2,761 |
| Cash dividends to net income (ytd only)* | 95.0311% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1103% | 3,315 |
| Loan loss allowance to noncurrent loans | 604.2553% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.0711% | 3,466 |
| Noncurrent loans to loans | 0.1837% | 3,025 |
| Net loans and leases to total assets | 38.2464% | 4,180 |
| Net loans and leases to deposits | 45.8425% | 4,102 |
| Net loans and leases to core deposits | 48.1397% | 4,084 |
| Total domestic deposits to total assets | 83.4299% | 3,715 |
| Equity capital to assets | 16.0924% | 372 |
| Core capital (leverage) ratio | 15.9155% | 371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,937,200 | 4,403 |
| Average earning assets | $59,386,400 | 4,385 |
| Average equity | $10,689,400 | 4,065 |
| Average total loans | $26,036,600 | 4,457 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7850% | 4,314 |
| Cost of funding earning assets | 0.0933% | 4,552 |
| Net interest margin | 2.6917% | 3,996 |
| Noninterest income to average assets | 0.2755% | 3,773 |
| Noninterest expense to average assets | 1.7290% | 4,284 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0349% | 2,790 |
| Return on assets (ROA) | 1.0349% | 2,851 |
| Pretax return on assets | 1.0349% | 3,363 |
| Return on Equity (ROE) | 6.1301% | 3,880 |
| Retained earnings to average equity (ytd only) | 2.3798% | 4,088 |
| Net charge-offs to loans | -0.0153% | 3,854 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5571% | 2,605 |
| Assets per employee ($millions) | 5.4592% | 3,241 |
| Cash dividends to net income (ytd only)* | 61.1789% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0824% | 3,519 |
| Loan loss allowance to noncurrent loans | 591.6667% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 3,620 |
| Noncurrent loans to loans | 0.1829% | 3,213 |
| Net loans and leases to total assets | 39.6169% | 4,227 |
| Net loans and leases to deposits | 47.5330% | 4,145 |
| Net loans and leases to core deposits | 49.9413% | 4,142 |
| Total domestic deposits to total assets | 83.3461% | 3,620 |
| Equity capital to assets | 16.4891% | 368 |
| Core capital (leverage) ratio | 16.6672% | 341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,387,250 | 4,471 |
| Average earning assets | $58,599,000 | 4,459 |
| Average equity | $10,701,000 | 4,120 |
| Average total loans | $26,151,000 | 4,509 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8278% | 4,312 |
| Cost of funding earning assets | 0.0938% | 4,614 |
| Net interest margin | 2.7340% | 3,913 |
| Noninterest income to average assets | 0.2680% | 3,796 |
| Noninterest expense to average assets | 1.7677% | 4,250 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0115% | 2,852 |
| Return on assets (ROA) | 1.0115% | 2,937 |
| Pretax return on assets | 1.0115% | 3,421 |
| Return on Equity (ROE) | 5.9434% | 3,914 |
| Retained earnings to average equity (ytd only) | 2.1749% | 4,075 |
| Net charge-offs to loans | -0.0153% | 3,868 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6051% | 2,482 |
| Assets per employee ($millions) | 5.3592% | 3,277 |
| Cash dividends to net income (ytd only)* | 63.4069% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 3,574 |
| Loan loss allowance to noncurrent loans | 566.0000% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 3,688 |
| Noncurrent loans to loans | 0.1878% | 3,293 |
| Net loans and leases to total assets | 40.9548% | 4,241 |
| Net loans and leases to deposits | 49.6765% | 4,130 |
| Net loans and leases to core deposits | 52.2725% | 4,119 |
| Total domestic deposits to total assets | 82.4429% | 3,833 |
| Equity capital to assets | 16.6801% | 350 |
| Core capital (leverage) ratio | 16.8998% | 314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,679,667 | 4,506 |
| Average earning assets | $57,572,000 | 4,507 |
| Average equity | $10,667,333 | 4,138 |
| Average total loans | $26,122,333 | 4,547 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8880% | 4,275 |
| Cost of funding earning assets | 0.1003% | 4,643 |
| Net interest margin | 2.7877% | 3,791 |
| Noninterest income to average assets | 0.2716% | 3,776 |
| Noninterest expense to average assets | 1.7975% | 4,220 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9893% | 2,841 |
| Return on assets (ROA) | 0.9893% | 2,938 |
| Pretax return on assets | 0.9893% | 3,402 |
| Return on Equity (ROE) | 5.7532% | 3,929 |
| Retained earnings to average equity (ytd only) | 1.9929% | 4,006 |
| Net charge-offs to loans | -0.0155% | 3,873 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5012% | 2,409 |
| Assets per employee ($millions) | 5.2108% | 3,421 |
| Cash dividends to net income (ytd only)* | 65.3595% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1014% | 3,425 |
| Loan loss allowance to noncurrent loans | 552.9412% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 3,799 |
| Noncurrent loans to loans | 0.1992% | 3,394 |
| Net loans and leases to total assets | 40.4958% | 4,319 |
| Net loans and leases to deposits | 48.8785% | 4,228 |
| Net loans and leases to core deposits | 51.4957% | 4,217 |
| Total domestic deposits to total assets | 82.8498% | 3,723 |
| Equity capital to assets | 17.0542% | 307 |
| Core capital (leverage) ratio | 17.5426% | 281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $61,864,500 | 4,535 |
| Average earning assets | $55,817,000 | 4,539 |
| Average equity | $10,637,500 | 4,155 |
| Average total loans | $25,873,000 | 4,577 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2942% | 4,342 |
| Cost of funding earning assets | 0.1479% | 4,733 |
| Net interest margin | 3.1463% | 3,504 |
| Noninterest income to average assets | 0.2859% | 3,776 |
| Noninterest expense to average assets | 2.0575% | 4,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1384% | 1,773 |
| Return on assets (ROA) | 1.1384% | 1,895 |
| Pretax return on assets | 1.1384% | 2,557 |
| Return on Equity (ROE) | 6.0926% | 3,552 |
| Retained earnings to average equity (ytd only) | 0.2910% | 4,430 |
| Net charge-offs to loans | -0.0150% | 4,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3798% | 2,756 |
| Assets per employee ($millions) | 5.0999% | 3,284 |
| Cash dividends to net income (ytd only)* | 95.2234% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0749% | 3,580 |
| Loan loss allowance to noncurrent loans | 530.1887% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 3,895 |
| Noncurrent loans to loans | 0.2027% | 3,485 |
| Net loans and leases to total assets | 42.2572% | 4,340 |
| Net loans and leases to deposits | 51.4534% | 4,246 |
| Net loans and leases to core deposits | 54.2979% | 4,245 |
| Total domestic deposits to total assets | 82.1272% | 3,634 |
| Equity capital to assets | 17.3385% | 313 |
| Core capital (leverage) ratio | 17.9686% | 264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,012,200 | 4,552 |
| Average earning assets | $52,729,000 | 4,546 |
| Average equity | $10,652,200 | 4,132 |
| Average total loans | $26,685,200 | 4,586 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3663% | 4,392 |
| Cost of funding earning assets | 0.1584% | 4,779 |
| Net interest margin | 3.2080% | 3,466 |
| Noninterest income to average assets | 0.2835% | 3,787 |
| Noninterest expense to average assets | 2.1012% | 3,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1745% | 1,732 |
| Return on assets (ROA) | 1.1745% | 1,851 |
| Pretax return on assets | 1.1745% | 2,474 |
| Return on Equity (ROE) | 6.1648% | 3,495 |
| Retained earnings to average equity (ytd only) | 2.4009% | 3,785 |
| Net charge-offs to loans | -0.0149% | 4,330 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1455% | 2,710 |
| Assets per employee ($millions) | 4.8733% | 3,402 |
| Cash dividends to net income (ytd only)* | 61.0548% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0591% | 3,415 |
| Loan loss allowance to noncurrent loans | 518.5185% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 3,967 |
| Noncurrent loans to loans | 0.2043% | 3,565 |
| Net loans and leases to total assets | 44.7298% | 4,388 |
| Net loans and leases to deposits | 54.9549% | 4,299 |
| Net loans and leases to core deposits | 57.5318% | 4,318 |
| Total domestic deposits to total assets | 81.3936% | 3,567 |
| Equity capital to assets | 18.4200% | 273 |
| Core capital (leverage) ratio | 18.5494% | 252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,965,500 | 4,585 |
| Average earning assets | $52,201,750 | 4,573 |
| Average equity | $10,662,500 | 4,133 |
| Average total loans | $26,821,000 | 4,607 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4849% | 4,428 |
| Cost of funding earning assets | 0.1748% | 4,821 |
| Net interest margin | 3.3101% | 3,357 |
| Noninterest income to average assets | 0.2939% | 3,707 |
| Noninterest expense to average assets | 2.2784% | 3,582 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1065% | 1,948 |
| Return on assets (ROA) | 1.1065% | 2,067 |
| Pretax return on assets | 1.1065% | 2,694 |
| Return on Equity (ROE) | 5.7406% | 3,594 |
| Retained earnings to average equity (ytd only) | 1.9575% | 3,777 |
| Net charge-offs to loans | -0.0223% | 4,436 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3098% | 2,333 |
| Assets per employee ($millions) | 4.8767% | 3,334 |
| Cash dividends to net income (ytd only)* | 65.9016% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 3,282 |
| Loan loss allowance to noncurrent loans | 466.6667% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 4,022 |
| Noncurrent loans to loans | 0.2269% | 3,564 |
| Net loans and leases to total assets | 44.7112% | 4,420 |
| Net loans and leases to deposits | 54.7740% | 4,348 |
| Net loans and leases to core deposits | 57.3329% | 4,385 |
| Total domestic deposits to total assets | 81.6285% | 3,466 |
| Equity capital to assets | 18.2570% | 283 |
| Core capital (leverage) ratio | 18.8477% | 249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,127,333 | 4,610 |
| Average earning assets | $51,478,667 | 4,599 |
| Average equity | $10,626,000 | 4,150 |
| Average total loans | $26,948,667 | 4,620 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7364% | 4,323 |
| Cost of funding earning assets | 0.1821% | 4,923 |
| Net interest margin | 3.5544% | 2,807 |
| Noninterest income to average assets | 0.3369% | 3,503 |
| Noninterest expense to average assets | 2.6951% | 2,716 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0032% | 2,161 |
| Return on assets (ROA) | 1.0032% | 2,269 |
| Pretax return on assets | 1.0032% | 2,833 |
| Return on Equity (ROE) | 5.0580% | 3,607 |
| Retained earnings to average equity (ytd only) | 1.2834% | 3,675 |
| Net charge-offs to loans | -0.0294% | 4,465 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8745% | 1,953 |
| Assets per employee ($millions) | 4.5148% | 3,238 |
| Cash dividends to net income (ytd only)* | 74.6269% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 3,500 |
| Loan loss allowance to noncurrent loans | 398.5714% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 3,991 |
| Noncurrent loans to loans | 0.2604% | 3,560 |
| Net loans and leases to total assets | 49.1020% | 4,283 |
| Net loans and leases to deposits | 61.1554% | 4,152 |
| Net loans and leases to core deposits | 64.3057% | 4,154 |
| Total domestic deposits to total assets | 80.2905% | 3,801 |
| Equity capital to assets | 19.5913% | 267 |
| Core capital (leverage) ratio | 20.2229% | 231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,431,000 | 4,658 |
| Average earning assets | $50,529,500 | 4,631 |
| Average equity | $10,597,000 | 4,165 |
| Average total loans | $27,200,500 | 4,651 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8346% | 4,523 |
| Cost of funding earning assets | 0.1779% | 5,000 |
| Net interest margin | 3.6567% | 2,935 |
| Noninterest income to average assets | 0.3394% | 3,676 |
| Noninterest expense to average assets | 2.2722% | 4,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5179% | 1,009 |
| Return on assets (ROA) | 1.5179% | 1,071 |
| Pretax return on assets | 1.5179% | 1,749 |
| Return on Equity (ROE) | 7.7110% | 3,288 |
| Retained earnings to average equity (ytd only) | 0.2436% | 4,619 |
| Net charge-offs to loans | -0.0498% | 4,819 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9513% | 3,706 |
| Assets per employee ($millions) | 4.3904% | 3,384 |
| Cash dividends to net income (ytd only)* | 96.8408% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 3,461 |
| Loan loss allowance to noncurrent loans | 446.7742% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 4,048 |
| Noncurrent loans to loans | 0.2253% | 3,646 |
| Net loans and leases to total assets | 51.7092% | 4,249 |
| Net loans and leases to deposits | 65.4974% | 3,981 |
| Net loans and leases to core deposits | 69.0343% | 4,015 |
| Total domestic deposits to total assets | 78.9485% | 4,198 |
| Equity capital to assets | 20.0816% | 254 |
| Core capital (leverage) ratio | 19.6384% | 254 |
| Tier 1 risk-based capital ratio | 36.9478% | 289 |
| Total risk-based capital ratio | 37.9151% | 292 |
| Memoranda: | ||
| Average total assets | $54,219,600 | 4,677 |
| Average earning assets | $51,165,800 | 4,652 |
| Average equity | $10,673,000 | 4,160 |
| Average total loans | $28,122,000 | 4,679 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8080% | 4,670 |
| Cost of funding earning assets | 0.1734% | 5,084 |
| Net interest margin | 3.6346% | 3,158 |
| Noninterest income to average assets | 0.3272% | 3,787 |
| Noninterest expense to average assets | 2.2025% | 4,174 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5530% | 1,050 |
| Return on assets (ROA) | 1.5530% | 1,103 |
| Pretax return on assets | 1.5530% | 1,803 |
| Return on Equity (ROE) | 7.9278% | 3,347 |
| Retained earnings to average equity (ytd only) | 4.1633% | 3,326 |
| Net charge-offs to loans | -0.0802% | 4,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6476% | 3,842 |
| Assets per employee ($millions) | 4.5292% | 3,153 |
| Cash dividends to net income (ytd only)* | 47.4846% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 3,648 |
| Loan loss allowance to noncurrent loans | 424.2424% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 4,118 |
| Noncurrent loans to loans | 0.2326% | 3,710 |
| Net loans and leases to total assets | 51.6946% | 4,328 |
| Net loans and leases to deposits | 64.7970% | 4,136 |
| Net loans and leases to core deposits | 68.9811% | 4,106 |
| Total domestic deposits to total assets | 79.7792% | 4,032 |
| Equity capital to assets | 20.0331% | 257 |
| Core capital (leverage) ratio | 20.1618% | 243 |
| Tier 1 risk-based capital ratio | 37.1022% | 303 |
| Total risk-based capital ratio | 38.0563% | 304 |
| Memoranda: | ||
| Average total assets | $54,603,250 | 4,743 |
| Average earning assets | $51,504,250 | 4,713 |
| Average equity | $10,696,250 | 4,202 |
| Average total loans | $28,272,500 | 4,742 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8088% | 4,704 |
| Cost of funding earning assets | 0.1701% | 5,127 |
| Net interest margin | 3.6387% | 3,140 |
| Noninterest income to average assets | 0.3035% | 3,899 |
| Noninterest expense to average assets | 2.3625% | 3,842 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3824% | 1,479 |
| Return on assets (ROA) | 1.3824% | 1,538 |
| Pretax return on assets | 1.3824% | 2,252 |
| Return on Equity (ROE) | 7.1104% | 3,635 |
| Retained earnings to average equity (ytd only) | 3.3295% | 3,565 |
| Net charge-offs to loans | -0.0425% | 4,788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0859% | 3,270 |
| Assets per employee ($millions) | 4.5646% | 3,043 |
| Cash dividends to net income (ytd only)* | 53.1746% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9608% | 3,829 |
| Loan loss allowance to noncurrent loans | 572.3404% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 4,338 |
| Noncurrent loans to loans | 0.1679% | 3,950 |
| Net loans and leases to total assets | 50.6235% | 4,437 |
| Net loans and leases to deposits | 63.0663% | 4,268 |
| Net loans and leases to core deposits | 67.0787% | 4,259 |
| Total domestic deposits to total assets | 80.2702% | 3,979 |
| Equity capital to assets | 19.5911% | 261 |
| Core capital (leverage) ratio | 19.7279% | 246 |
| Tier 1 risk-based capital ratio | 36.4306% | 302 |
| Total risk-based capital ratio | 37.3438% | 302 |
| Memoranda: | ||
| Average total assets | $54,687,670 | 4,777 |
| Average earning assets | $51,722,000 | 4,748 |
| Average equity | $10,632,330 | 4,222 |
| Average total loans | $28,238,000 | 4,779 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8063% | 4,701 |
| Cost of funding earning assets | 0.1705% | 5,179 |
| Net interest margin | 3.6358% | 3,119 |
| Noninterest income to average assets | 0.3074% | 3,817 |
| Noninterest expense to average assets | 2.5840% | 3,260 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1566% | 2,232 |
| Return on assets (ROA) | 1.1566% | 2,288 |
| Pretax return on assets | 1.1566% | 2,956 |
| Return on Equity (ROE) | 5.9718% | 4,027 |
| Retained earnings to average equity (ytd only) | 2.1922% | 4,014 |
| Net charge-offs to loans | -0.0423% | 4,783 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0802% | 2,490 |
| Assets per employee ($millions) | 4.5271% | 3,149 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9329% | 4,025 |
| Loan loss allowance to noncurrent loans | 2,660.0000% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 4,771 |
| Noncurrent loans to loans | 0.0351% | 4,612 |
| Net loans and leases to total assets | 51.9945% | 4,334 |
| Net loans and leases to deposits | 64.7146% | 4,142 |
| Net loans and leases to core deposits | 68.8625% | 4,137 |
| Total domestic deposits to total assets | 80.3442% | 4,108 |
| Equity capital to assets | 19.5343% | 260 |
| Core capital (leverage) ratio | 19.5869% | 254 |
| Tier 1 risk-based capital ratio | 35.5570% | 311 |
| Total risk-based capital ratio | 36.4483% | 314 |
| Memoranda: | ||
| Average total assets | $54,644,000 | 4,828 |
| Average earning assets | $51,598,000 | 4,804 |
| Average equity | $10,583,000 | 4,254 |
| Average total loans | $28,358,000 | 4,829 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6634% | 4,720 |
| Cost of funding earning assets | 0.1697% | 5,118 |
| Net interest margin | 3.4937% | 3,724 |
| Noninterest income to average assets | 0.3514% | 3,755 |
| Noninterest expense to average assets | 2.1719% | 4,402 |
| Loan and lease loss provision to assets | 0.0930% | 2,293 |
| Net operating income to assets | 1.3779% | 1,510 |
| Return on assets (ROA) | 1.3779% | 1,498 |
| Pretax return on assets | 1.3779% | 2,215 |
| Return on Equity (ROE) | 6.9777% | 3,831 |
| Retained earnings to average equity (ytd only) | 0.3013% | 4,909 |
| Net charge-offs to loans | 0.2433% | 796 |
| Credit loss provision to net charge-offs | 70.4225% | 2,983 |
| Earnings coverage of net charge-offs (x) | 11.1408% | 2,654 |
| Efficiency ratio | 59.6223% | 3,928 |
| Assets per employee ($millions) | 4.9966% | 2,508 |
| Cash dividends to net income (ytd only)* | 95.6815% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9325% | 4,034 |
| Loan loss allowance to noncurrent loans | 320.7317% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 4,085 |
| Noncurrent loans to loans | 0.2907% | 3,521 |
| Net loans and leases to total assets | 50.8360% | 4,466 |
| Net loans and leases to deposits | 63.5326% | 4,274 |
| Net loans and leases to core deposits | 67.5703% | 4,264 |
| Total domestic deposits to total assets | 80.0156% | 4,103 |
| Equity capital to assets | 19.2020% | 264 |
| Core capital (leverage) ratio | 19.7781% | 241 |
| Tier 1 risk-based capital ratio | 35.4268% | 309 |
| Total risk-based capital ratio | 36.3096% | 314 |
| Memoranda: | ||
| Average total assets | $53,777,600 | 4,875 |
| Average earning assets | $50,663,200 | 4,841 |
| Average equity | $10,619,600 | 4,213 |
| Average total loans | $29,184,600 | 4,836 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6601% | 4,712 |
| Cost of funding earning assets | 0.1719% | 5,136 |
| Net interest margin | 3.4882% | 3,735 |
| Noninterest income to average assets | 0.3640% | 3,699 |
| Noninterest expense to average assets | 2.1689% | 4,391 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4833% | 1,243 |
| Return on assets (ROA) | 1.4833% | 1,239 |
| Pretax return on assets | 1.4833% | 1,957 |
| Return on Equity (ROE) | 7.4587% | 3,765 |
| Retained earnings to average equity (ytd only) | 3.6855% | 3,926 |
| Net charge-offs to loans | -0.0045% | 4,211 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3857% | 3,908 |
| Assets per employee ($millions) | 4.8715% | 2,631 |
| Cash dividends to net income (ytd only)* | 50.5880% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9713% | 3,935 |
| Loan loss allowance to noncurrent loans | 167.6471% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.3172% | 3,422 |
| Noncurrent loans to loans | 0.5794% | 2,643 |
| Net loans and leases to total assets | 54.2231% | 4,350 |
| Net loans and leases to deposits | 68.0708% | 4,055 |
| Net loans and leases to core deposits | 72.5366% | 4,042 |
| Total domestic deposits to total assets | 79.6570% | 4,181 |
| Equity capital to assets | 20.1844% | 225 |
| Core capital (leverage) ratio | 20.4268% | 220 |
| Tier 1 risk-based capital ratio | 35.6364% | 310 |
| Total risk-based capital ratio | 36.5754% | 316 |
| Memoranda: | ||
| Average total assets | $53,481,250 | 4,938 |
| Average earning assets | $50,416,750 | 4,901 |
| Average equity | $10,636,000 | 4,251 |
| Average total loans | $29,429,750 | 4,890 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5351% | 4,869 |
| Cost of funding earning assets | 0.1674% | 5,167 |
| Net interest margin | 3.3677% | 4,052 |
| Noninterest income to average assets | 0.3705% | 3,680 |
| Noninterest expense to average assets | 2.2752% | 4,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2573% | 1,953 |
| Return on assets (ROA) | 1.2573% | 1,952 |
| Pretax return on assets | 1.2573% | 2,691 |
| Return on Equity (ROE) | 6.3540% | 4,121 |
| Retained earnings to average equity (ytd only) | 2.5530% | 4,242 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4068% | 3,265 |
| Assets per employee ($millions) | 4.4269% | 3,239 |
| Cash dividends to net income (ytd only)* | 59.8214% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9688% | 4,017 |
| Loan loss allowance to noncurrent loans | 155.1913% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 3,375 |
| Noncurrent loans to loans | 0.6243% | 2,548 |
| Net loans and leases to total assets | 54.6486% | 4,279 |
| Net loans and leases to deposits | 68.4532% | 3,991 |
| Net loans and leases to core deposits | 72.9734% | 3,944 |
| Total domestic deposits to total assets | 79.8336% | 4,264 |
| Equity capital to assets | 20.0610% | 225 |
| Core capital (leverage) ratio | 19.9801% | 227 |
| Tier 1 risk-based capital ratio | 35.2554% | 327 |
| Total risk-based capital ratio | 36.1949% | 329 |
| Memoranda: | ||
| Average total assets | $53,446,330 | 4,992 |
| Average earning assets | $50,182,330 | 4,961 |
| Average equity | $10,576,000 | 4,297 |
| Average total loans | $29,459,330 | 4,934 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4702% | 4,921 |
| Cost of funding earning assets | 0.1675% | 5,175 |
| Net interest margin | 3.3027% | 4,183 |
| Noninterest income to average assets | 0.3880% | 3,549 |
| Noninterest expense to average assets | 2.5295% | 3,561 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9476% | 3,082 |
| Return on assets (ROA) | 0.9476% | 3,101 |
| Pretax return on assets | 0.9476% | 3,710 |
| Return on Equity (ROE) | 4.8218% | 4,545 |
| Retained earnings to average equity (ytd only) | 1.0251% | 4,625 |
| Net charge-offs to loans | -0.0135% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7468% | 2,081 |
| Assets per employee ($millions) | 4.4880% | 3,185 |
| Cash dividends to net income (ytd only)* | 78.7402% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 4,069 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 4,972 |
| Noncurrent loans to loans | 0.0515% | 4,751 |
| Net loans and leases to total assets | 53.5001% | 4,325 |
| Net loans and leases to deposits | 66.6073% | 4,045 |
| Net loans and leases to core deposits | 69.2937% | 4,124 |
| Total domestic deposits to total assets | 80.3216% | 4,359 |
| Equity capital to assets | 19.5874% | 231 |
| Core capital (leverage) ratio | 19.9841% | 214 |
| Tier 1 risk-based capital ratio | 34.9814% | 326 |
| Total risk-based capital ratio | 35.9265% | 331 |
| Memoranda: | ||
| Average total assets | $53,608,000 | 5,044 |
| Average earning assets | $50,141,000 | 5,028 |
| Average equity | $10,535,500 | 4,348 |
| Average total loans | $29,531,500 | 4,980 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4865% | 4,806 |
| Cost of funding earning assets | 0.1802% | 5,091 |
| Net interest margin | 3.3064% | 4,141 |
| Noninterest income to average assets | 0.3522% | 3,951 |
| Noninterest expense to average assets | 2.2447% | 4,446 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1823% | 1,574 |
| Return on assets (ROA) | 1.1823% | 1,594 |
| Pretax return on assets | 1.1823% | 2,839 |
| Return on Equity (ROE) | 5.8738% | 3,816 |
| Retained earnings to average equity (ytd only) | 0.0095% | 5,007 |
| Net charge-offs to loans | -0.0135% | 4,863 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5000% | 3,338 |
| Assets per employee ($millions) | 4.4467% | 3,278 |
| Cash dividends to net income (ytd only)* | 99.8390% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 4,225 |
| Loan loss allowance to noncurrent loans | 179.7468% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2961% | 3,695 |
| Noncurrent loans to loans | 0.5273% | 2,930 |
| Net loans and leases to total assets | 55.6241% | 4,224 |
| Net loans and leases to deposits | 69.8245% | 3,892 |
| Net loans and leases to core deposits | 72.6905% | 3,993 |
| Total domestic deposits to total assets | 79.6627% | 4,402 |
| Equity capital to assets | 19.7189% | 220 |
| Core capital (leverage) ratio | 20.1853% | 194 |
| Tier 1 risk-based capital ratio | 34.3688% | 337 |
| Total risk-based capital ratio | 35.2964% | 337 |
| Memoranda: | ||
| Average total assets | $52,523,000 | 5,112 |
| Average earning assets | $48,845,400 | 5,089 |
| Average equity | $10,572,400 | 4,366 |
| Average total loans | $29,739,200 | 5,037 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4658% | 4,871 |
| Cost of funding earning assets | 0.1836% | 5,111 |
| Net interest margin | 3.2823% | 4,227 |
| Noninterest income to average assets | 0.3415% | 4,092 |
| Noninterest expense to average assets | 2.1919% | 4,535 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2030% | 1,678 |
| Return on assets (ROA) | 1.2030% | 1,714 |
| Pretax return on assets | 1.2030% | 2,896 |
| Return on Equity (ROE) | 5.9454% | 4,151 |
| Retained earnings to average equity (ytd only) | 2.1413% | 4,579 |
| Net charge-offs to loans | -0.0090% | 4,606 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5646% | 3,441 |
| Assets per employee ($millions) | 4.3234% | 3,433 |
| Cash dividends to net income (ytd only)* | 63.9833% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9560% | 4,294 |
| Loan loss allowance to noncurrent loans | 104.0590% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.5223% | 2,966 |
| Noncurrent loans to loans | 0.9187% | 2,090 |
| Net loans and leases to total assets | 56.3135% | 4,205 |
| Net loans and leases to deposits | 71.0350% | 3,868 |
| Net loans and leases to core deposits | 74.0527% | 3,970 |
| Total domestic deposits to total assets | 79.2757% | 4,484 |
| Equity capital to assets | 20.6068% | 204 |
| Core capital (leverage) ratio | 20.7170% | 187 |
| Tier 1 risk-based capital ratio | 35.9978% | 304 |
| Total risk-based capital ratio | 36.9474% | 307 |
| Memoranda: | ||
| Average total assets | $52,313,750 | 5,173 |
| Average earning assets | $48,664,250 | 5,148 |
| Average equity | $10,585,000 | 4,406 |
| Average total loans | $29,682,750 | 5,089 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4505% | 4,876 |
| Cost of funding earning assets | 0.1890% | 5,075 |
| Net interest margin | 3.2615% | 4,235 |
| Noninterest income to average assets | 0.3317% | 4,168 |
| Noninterest expense to average assets | 2.3142% | 4,306 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0446% | 2,232 |
| Return on assets (ROA) | 1.0446% | 2,271 |
| Pretax return on assets | 1.0446% | 3,389 |
| Return on Equity (ROE) | 5.1945% | 4,396 |
| Retained earnings to average equity (ytd only) | 1.3839% | 4,701 |
| Net charge-offs to loans | -0.0067% | 4,412 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8990% | 2,863 |
| Assets per employee ($millions) | 4.2908% | 3,449 |
| Cash dividends to net income (ytd only)* | 73.3577% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 4,383 |
| Loan loss allowance to noncurrent loans | 177.8481% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3069% | 3,896 |
| Noncurrent loans to loans | 0.5376% | 3,143 |
| Net loans and leases to total assets | 56.5314% | 4,165 |
| Net loans and leases to deposits | 71.2471% | 3,805 |
| Net loans and leases to core deposits | 74.2930% | 3,915 |
| Total domestic deposits to total assets | 79.3455% | 4,548 |
| Equity capital to assets | 20.5749% | 202 |
| Core capital (leverage) ratio | 20.7469% | 180 |
| Tier 1 risk-based capital ratio | 36.0169% | 281 |
| Total risk-based capital ratio | 36.9722% | 285 |
| Memoranda: | ||
| Average total assets | $52,458,000 | 5,202 |
| Average earning assets | $48,689,000 | 5,180 |
| Average equity | $10,549,670 | 4,429 |
| Average total loans | $29,744,330 | 5,122 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4387% | 4,860 |
| Cost of funding earning assets | 0.1870% | 5,095 |
| Net interest margin | 3.2518% | 4,171 |
| Noninterest income to average assets | 0.3400% | 4,126 |
| Noninterest expense to average assets | 2.5084% | 3,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8538% | 2,971 |
| Return on assets (ROA) | 0.8538% | 3,016 |
| Pretax return on assets | 0.8538% | 3,922 |
| Return on Equity (ROE) | 4.2935% | 4,672 |
| Retained earnings to average equity (ytd only) | 0.4939% | 4,807 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6067% | 2,125 |
| Assets per employee ($millions) | 4.3948% | 3,341 |
| Cash dividends to net income (ytd only)* | 88.4956% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9452% | 4,579 |
| Loan loss allowance to noncurrent loans | 583.3333% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 4,904 |
| Noncurrent loans to loans | 0.1620% | 4,538 |
| Net loans and leases to total assets | 55.6392% | 4,201 |
| Net loans and leases to deposits | 71.2624% | 3,673 |
| Net loans and leases to core deposits | 74.2842% | 3,808 |
| Total domestic deposits to total assets | 78.0765% | 4,956 |
| Equity capital to assets | 19.9742% | 215 |
| Core capital (leverage) ratio | 19.8556% | 202 |
| Tier 1 risk-based capital ratio | 35.7363% | 312 |
| Total risk-based capital ratio | 36.6862% | 312 |
| Memoranda: | ||
| Average total assets | $52,942,000 | 5,247 |
| Average earning assets | $49,204,000 | 5,227 |
| Average equity | $10,527,500 | 4,462 |
| Average total loans | $29,922,000 | 5,164 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4477% | 4,891 |
| Cost of funding earning assets | 0.1838% | 5,174 |
| Net interest margin | 3.2639% | 4,248 |
| Noninterest income to average assets | 0.3865% | 3,987 |
| Noninterest expense to average assets | 2.2784% | 4,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0938% | 1,924 |
| Return on assets (ROA) | 1.0938% | 2,022 |
| Pretax return on assets | 1.0938% | 3,127 |
| Return on Equity (ROE) | 5.3592% | 4,249 |
| Retained earnings to average equity (ytd only) | -0.0568% | 5,314 |
| Net charge-offs to loans | -0.0500% | 5,393 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5645% | 3,331 |
| Assets per employee ($millions) | 4.4288% | 3,222 |
| Cash dividends to net income (ytd only)* | 101.0601% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9265% | 4,670 |
| Loan loss allowance to noncurrent loans | 538.4615% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 4,929 |
| Noncurrent loans to loans | 0.1721% | 4,547 |
| Net loans and leases to total assets | 56.3373% | 4,234 |
| Net loans and leases to deposits | 73.3057% | 3,583 |
| Net loans and leases to core deposits | 77.0702% | 3,653 |
| Total domestic deposits to total assets | 76.8524% | 5,136 |
| Equity capital to assets | 19.7964% | 212 |
| Core capital (leverage) ratio | 20.4565% | 185 |
| Tier 1 risk-based capital ratio | 35.1802% | 316 |
| Total risk-based capital ratio | 36.1165% | 320 |
| Memoranda: | ||
| Average total assets | $51,747,800 | 5,312 |
| Average earning assets | $47,336,000 | 5,303 |
| Average equity | $10,561,200 | 4,485 |
| Average total loans | $30,018,200 | 5,185 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4818% | 4,864 |
| Cost of funding earning assets | 0.1852% | 5,218 |
| Net interest margin | 3.2966% | 4,197 |
| Noninterest income to average assets | 0.3943% | 3,961 |
| Noninterest expense to average assets | 2.2516% | 4,646 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1440% | 1,834 |
| Return on assets (ROA) | 1.1440% | 1,936 |
| Pretax return on assets | 1.1440% | 3,070 |
| Return on Equity (ROE) | 5.5622% | 4,282 |
| Retained earnings to average equity (ytd only) | 1.7657% | 4,797 |
| Net charge-offs to loans | -0.0979% | 5,566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3102% | 3,539 |
| Assets per employee ($millions) | 4.2636% | 3,479 |
| Cash dividends to net income (ytd only)* | 68.2529% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 4,538 |
| Loan loss allowance to noncurrent loans | 574.0000% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 5,044 |
| Noncurrent loans to loans | 0.1699% | 4,679 |
| Net loans and leases to total assets | 56.9748% | 4,198 |
| Net loans and leases to deposits | 72.0874% | 3,796 |
| Net loans and leases to core deposits | 75.9253% | 3,842 |
| Total domestic deposits to total assets | 79.0356% | 4,715 |
| Equity capital to assets | 20.8491% | 201 |
| Core capital (leverage) ratio | 20.8250% | 174 |
| Tier 1 risk-based capital ratio | 20.6789% | 1,325 |
| Total risk-based capital ratio | 21.2353% | 1,412 |
| Memoranda: | ||
| Average total assets | $51,398,250 | 5,369 |
| Average earning assets | $46,794,000 | 5,365 |
| Average equity | $10,571,250 | 4,527 |
| Average total loans | $29,967,500 | 5,237 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4509% | 4,984 |
| Cost of funding earning assets | 0.1800% | 5,318 |
| Net interest margin | 3.2708% | 4,324 |
| Noninterest income to average assets | 0.4235% | 3,710 |
| Noninterest expense to average assets | 2.4322% | 4,224 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9558% | 2,600 |
| Return on assets (ROA) | 0.9558% | 2,744 |
| Pretax return on assets | 0.9558% | 3,763 |
| Return on Equity (ROE) | 4.6682% | 4,652 |
| Retained earnings to average equity (ytd only) | 0.8539% | 5,044 |
| Net charge-offs to loans | -0.0796% | 5,543 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7890% | 2,696 |
| Assets per employee ($millions) | 4.3604% | 3,282 |
| Cash dividends to net income (ytd only)* | 81.7073% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9308% | 4,841 |
| Loan loss allowance to noncurrent loans | 543.1373% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 5,122 |
| Noncurrent loans to loans | 0.1714% | 4,749 |
| Net loans and leases to total assets | 56.3421% | 4,268 |
| Net loans and leases to deposits | 72.4135% | 3,748 |
| Net loans and leases to core deposits | 75.5168% | 3,863 |
| Total domestic deposits to total assets | 77.8060% | 5,035 |
| Equity capital to assets | 20.2045% | 214 |
| Core capital (leverage) ratio | 20.2898% | 185 |
| Tier 1 risk-based capital ratio | 20.0554% | 1,453 |
| Total risk-based capital ratio | 20.5809% | 1,576 |
| Memoranda: | ||
| Average total assets | $51,476,670 | 5,428 |
| Average earning assets | $46,654,670 | 5,433 |
| Average equity | $10,539,330 | 4,556 |
| Average total loans | $30,144,330 | 5,288 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3740% | 5,177 |
| Cost of funding earning assets | 0.1812% | 5,363 |
| Net interest margin | 3.1928% | 4,605 |
| Noninterest income to average assets | 0.5014% | 3,102 |
| Noninterest expense to average assets | 2.6796% | 3,498 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7208% | 3,615 |
| Return on assets (ROA) | 0.7208% | 3,728 |
| Pretax return on assets | 0.7208% | 4,448 |
| Return on Equity (ROE) | 3.4971% | 5,065 |
| Retained earnings to average equity (ytd only) | -0.3041% | 5,163 |
| Net charge-offs to loans | -0.0791% | 5,547 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8018% | 1,784 |
| Assets per employee ($millions) | 4.3458% | 3,334 |
| Cash dividends to net income (ytd only)* | 108.6957% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9128% | 5,015 |
| Loan loss allowance to noncurrent loans | 713.1579% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 5,295 |
| Noncurrent loans to loans | 0.1280% | 4,960 |
| Net loans and leases to total assets | 56.4114% | 4,208 |
| Net loans and leases to deposits | 70.7129% | 3,786 |
| Net loans and leases to core deposits | 73.6739% | 3,926 |
| Total domestic deposits to total assets | 79.7753% | 4,798 |
| Equity capital to assets | 20.1710% | 208 |
| Core capital (leverage) ratio | 20.5542% | 177 |
| Tier 1 risk-based capital ratio | 20.0308% | 1,492 |
| Total risk-based capital ratio | 20.5469% | 1,622 |
| Memoranda: | ||
| Average total assets | $51,052,500 | 5,487 |
| Average earning assets | $46,354,500 | 5,481 |
| Average equity | $10,523,000 | 4,577 |
| Average total loans | $30,337,500 | 5,325 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6878% | 4,402 |
| Cost of funding earning assets | 0.1859% | 5,391 |
| Net interest margin | 3.5019% | 3,513 |
| Noninterest income to average assets | 0.4039% | 4,005 |
| Noninterest expense to average assets | 2.1941% | 5,057 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3862% | 1,064 |
| Return on assets (ROA) | 1.3862% | 1,107 |
| Pretax return on assets | 1.3862% | 1,951 |
| Return on Equity (ROE) | 6.7385% | 3,661 |
| Retained earnings to average equity (ytd only) | 1.2486% | 5,005 |
| Net charge-offs to loans | 0.3928% | 730 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 5.6111% | 3,356 |
| Efficiency ratio | 61.2815% | 4,716 |
| Assets per employee ($millions) | 4.5415% | 2,980 |
| Cash dividends to net income (ytd only)* | 81.4710% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8552% | 5,253 |
| Loan loss allowance to noncurrent loans | 716.2162% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 5,337 |
| Noncurrent loans to loans | 0.1194% | 5,015 |
| Net loans and leases to total assets | 61.4961% | 3,632 |
| Net loans and leases to deposits | 78.4840% | 2,994 |
| Net loans and leases to core deposits | 81.9861% | 3,150 |
| Total domestic deposits to total assets | 78.3550% | 5,092 |
| Equity capital to assets | 21.0725% | 178 |
| Core capital (leverage) ratio | 20.9322% | 161 |
| Tier 1 risk-based capital ratio | 20.9418% | 1,310 |
| Total risk-based capital ratio | 21.4689% | 1,417 |
| Memoranda: | ||
| Average total assets | $51,001,400 | 5,524 |
| Average earning assets | $46,260,600 | 5,516 |
| Average equity | $10,492,000 | 4,568 |
| Average total loans | $32,075,200 | 5,292 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7033% | 4,409 |
| Cost of funding earning assets | 0.1866% | 5,482 |
| Net interest margin | 3.5166% | 3,475 |
| Noninterest income to average assets | 0.3797% | 4,215 |
| Noninterest expense to average assets | 2.1041% | 5,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4617% | 990 |
| Return on assets (ROA) | 1.4617% | 1,029 |
| Pretax return on assets | 1.4617% | 1,798 |
| Return on Equity (ROE) | 7.1477% | 3,544 |
| Retained earnings to average equity (ytd only) | 3.3068% | 4,116 |
| Net charge-offs to loans | 0.5523% | 417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 4.1941% | 3,384 |
| Efficiency ratio | 59.0080% | 5,007 |
| Assets per employee ($millions) | 4.5923% | 2,846 |
| Cash dividends to net income (ytd only)* | 53.7374% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8037% | 5,505 |
| Loan loss allowance to noncurrent loans | 694.5946% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 5,466 |
| Noncurrent loans to loans | 0.1157% | 5,167 |
| Net loans and leases to total assets | 62.7952% | 3,483 |
| Net loans and leases to deposits | 79.7010% | 2,917 |
| Net loans and leases to core deposits | 83.1961% | 3,133 |
| Total domestic deposits to total assets | 78.7885% | 5,027 |
| Equity capital to assets | 21.0947% | 195 |
| Core capital (leverage) ratio | 20.8814% | 174 |
| Tier 1 risk-based capital ratio | 20.9479% | 1,348 |
| Total risk-based capital ratio | 21.4531% | 1,471 |
| Memoranda: | ||
| Average total assets | $51,262,750 | 5,588 |
| Average earning assets | $46,444,500 | 5,586 |
| Average equity | $10,483,250 | 4,622 |
| Average total loans | $32,347,500 | 5,345 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7267% | 4,331 |
| Cost of funding earning assets | 0.1889% | 5,538 |
| Net interest margin | 3.5378% | 3,347 |
| Noninterest income to average assets | 0.3727% | 4,277 |
| Noninterest expense to average assets | 2.2907% | 4,866 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2813% | 1,375 |
| Return on assets (ROA) | 1.2813% | 1,436 |
| Pretax return on assets | 1.2813% | 2,430 |
| Return on Equity (ROE) | 6.3305% | 3,970 |
| Retained earnings to average equity (ytd only) | 2.4747% | 4,481 |
| Net charge-offs to loans | -0.0062% | 4,794 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1304% | 4,337 |
| Assets per employee ($millions) | 4.6620% | 2,729 |
| Cash dividends to net income (ytd only)* | 60.9091% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 3,741 |
| Loan loss allowance to noncurrent loans | 155.5556% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4914% | 3,984 |
| Noncurrent loans to loans | 0.7765% | 3,170 |
| Net loans and leases to total assets | 62.5190% | 3,473 |
| Net loans and leases to deposits | 78.7449% | 2,930 |
| Net loans and leases to core deposits | 82.1150% | 3,159 |
| Total domestic deposits to total assets | 79.3943% | 5,005 |
| Equity capital to assets | 20.5238% | 203 |
| Core capital (leverage) ratio | 20.6474% | 177 |
| Tier 1 risk-based capital ratio | 20.2708% | 1,490 |
| Total risk-based capital ratio | 21.0258% | 1,561 |
| Memoranda: | ||
| Average total assets | $51,512,000 | 5,644 |
| Average earning assets | $46,582,670 | 5,645 |
| Average equity | $10,425,670 | 4,664 |
| Average total loans | $32,470,670 | 5,391 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6048% | 4,678 |
| Cost of funding earning assets | 0.1884% | 5,616 |
| Net interest margin | 3.4165% | 3,775 |
| Noninterest income to average assets | 0.3719% | 4,233 |
| Noninterest expense to average assets | 2.5645% | 4,050 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8988% | 2,747 |
| Return on assets (ROA) | 0.8988% | 2,874 |
| Pretax return on assets | 0.8988% | 3,901 |
| Return on Equity (ROE) | 4.4719% | 4,770 |
| Retained earnings to average equity (ytd only) | 0.5783% | 5,199 |
| Net charge-offs to loans | -0.0616% | 5,626 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0492% | 2,807 |
| Assets per employee ($millions) | 4.6596% | 2,823 |
| Cash dividends to net income (ytd only)* | 87.0690% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 3,780 |
| Loan loss allowance to noncurrent loans | 92.7400% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 0.8331% | 3,002 |
| Noncurrent loans to loans | 1.3277% | 2,169 |
| Net loans and leases to total assets | 61.9752% | 3,370 |
| Net loans and leases to deposits | 77.7207% | 2,843 |
| Net loans and leases to core deposits | 81.0336% | 3,054 |
| Total domestic deposits to total assets | 79.7409% | 5,112 |
| Equity capital to assets | 20.2045% | 216 |
| Core capital (leverage) ratio | 20.0924% | 202 |
| Tier 1 risk-based capital ratio | 19.9112% | 1,648 |
| Total risk-based capital ratio | 20.6726% | 1,714 |
| Memoranda: | ||
| Average total assets | $51,627,000 | 5,690 |
| Average earning assets | $46,715,000 | 5,689 |
| Average equity | $10,376,000 | 4,711 |
| Average total loans | $32,479,500 | 5,420 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6614% | 4,907 |
| Cost of funding earning assets | 0.2024% | 5,721 |
| Net interest margin | 3.4590% | 3,945 |
| Noninterest income to average assets | 0.3568% | 4,549 |
| Noninterest expense to average assets | 2.4781% | 4,616 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0607% | 2,127 |
| Return on assets (ROA) | 1.0451% | 2,260 |
| Pretax return on assets | 1.0451% | 3,322 |
| Return on Equity (ROE) | 5.1510% | 4,584 |
| Retained earnings to average equity (ytd only) | -0.3918% | 5,831 |
| Net charge-offs to loans | -0.1649% | 6,225 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0274% | 3,525 |
| Assets per employee ($millions) | 4.7271% | 2,688 |
| Cash dividends to net income (ytd only)* | 107.6067% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 4,048 |
| Loan loss allowance to noncurrent loans | 149.2366% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.5039% | 4,123 |
| Noncurrent loans to loans | 0.7989% | 3,309 |
| Net loans and leases to total assets | 62.3216% | 3,463 |
| Net loans and leases to deposits | 80.3920% | 2,674 |
| Net loans and leases to core deposits | 83.8665% | 2,914 |
| Total domestic deposits to total assets | 77.5222% | 5,518 |
| Equity capital to assets | 19.9931% | 226 |
| Core capital (leverage) ratio | 19.9743% | 213 |
| Tier 1 risk-based capital ratio | 19.8439% | 1,626 |
| Total risk-based capital ratio | 20.5902% | 1,727 |
| Memoranda: | ||
| Average total assets | $51,571,800 | 5,754 |
| Average earning assets | $47,441,000 | 5,742 |
| Average equity | $10,464,000 | 4,664 |
| Average total loans | $31,538,600 | 5,503 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6253% | 5,081 |
| Cost of funding earning assets | 0.2050% | 5,780 |
| Net interest margin | 3.4203% | 4,149 |
| Noninterest income to average assets | 0.3420% | 4,705 |
| Noninterest expense to average assets | 2.3938% | 4,849 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1036% | 2,012 |
| Return on assets (ROA) | 1.1036% | 2,077 |
| Pretax return on assets | 1.1036% | 3,170 |
| Return on Equity (ROE) | 5.4192% | 4,522 |
| Retained earnings to average equity (ytd only) | 1.5901% | 5,245 |
| Net charge-offs to loans | -0.0470% | 5,882 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4444% | 3,773 |
| Assets per employee ($millions) | 3.9052% | 4,078 |
| Cash dividends to net income (ytd only)* | 70.6562% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 4,765 |
| Loan loss allowance to noncurrent loans | 92.3483% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 0.7465% | 3,570 |
| Noncurrent loans to loans | 1.1874% | 2,680 |
| Net loans and leases to total assets | 62.1841% | 3,458 |
| Net loans and leases to deposits | 79.6453% | 2,750 |
| Net loans and leases to core deposits | 83.1485% | 2,978 |
| Total domestic deposits to total assets | 78.0763% | 5,515 |
| Equity capital to assets | 20.8049% | 198 |
| Core capital (leverage) ratio | 20.6551% | 192 |
| Tier 1 risk-based capital ratio | 20.6624% | 1,515 |
| Total risk-based capital ratio | 21.3471% | 1,617 |
| Memoranda: | ||
| Average total assets | $51,465,250 | 5,820 |
| Average earning assets | $47,480,000 | 5,803 |
| Average equity | $10,481,000 | 4,692 |
| Average total loans | $31,224,000 | 5,575 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6039% | 5,140 |
| Cost of funding earning assets | 0.2063% | 5,861 |
| Net interest margin | 3.3976% | 4,185 |
| Noninterest income to average assets | 0.3172% | 4,872 |
| Noninterest expense to average assets | 2.4759% | 4,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9633% | 2,487 |
| Return on assets (ROA) | 0.9633% | 2,575 |
| Pretax return on assets | 0.9633% | 3,630 |
| Return on Equity (ROE) | 4.7637% | 4,785 |
| Retained earnings to average equity (ytd only) | 0.9183% | 5,385 |
| Net charge-offs to loans | -0.0581% | 5,941 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9910% | 3,344 |
| Assets per employee ($millions) | 4.0637% | 3,705 |
| Cash dividends to net income (ytd only)* | 80.7229% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 4,865 |
| Loan loss allowance to noncurrent loans | 107.7399% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.6114% | 4,139 |
| Noncurrent loans to loans | 1.0292% | 3,175 |
| Net loans and leases to total assets | 58.7473% | 3,892 |
| Net loans and leases to deposits | 73.3792% | 3,404 |
| Net loans and leases to core deposits | 75.4650% | 3,680 |
| Total domestic deposits to total assets | 80.0598% | 5,222 |
| Equity capital to assets | 19.8474% | 224 |
| Core capital (leverage) ratio | 20.6166% | 182 |
| Tier 1 risk-based capital ratio | 19.7175% | 1,756 |
| Total risk-based capital ratio | 20.3720% | 1,853 |
| Memoranda: | ||
| Average total assets | $51,698,000 | 5,863 |
| Average earning assets | $47,503,670 | 5,847 |
| Average equity | $10,454,000 | 4,713 |
| Average total loans | $30,992,330 | 5,629 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5965% | 5,178 |
| Cost of funding earning assets | 0.2116% | 5,905 |
| Net interest margin | 3.3850% | 4,195 |
| Noninterest income to average assets | 0.3990% | 4,198 |
| Noninterest expense to average assets | 2.7223% | 3,863 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8057% | 3,127 |
| Return on assets (ROA) | 0.8057% | 3,204 |
| Pretax return on assets | 0.8057% | 4,088 |
| Return on Equity (ROE) | 3.9469% | 5,064 |
| Retained earnings to average equity (ytd only) | 0.1150% | 5,514 |
| Net charge-offs to loans | -0.0779% | 6,014 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1619% | 2,621 |
| Assets per employee ($millions) | 3.9645% | 4,017 |
| Cash dividends to net income (ytd only)* | 97.0874% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 4,981 |
| Loan loss allowance to noncurrent loans | 72.3270% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 1.0827% | 3,087 |
| Noncurrent loans to loans | 1.5634% | 2,472 |
| Net loans and leases to total assets | 58.5285% | 3,757 |
| Net loans and leases to deposits | 73.4549% | 3,133 |
| Net loans and leases to core deposits | 75.6053% | 3,450 |
| Total domestic deposits to total assets | 79.6795% | 5,549 |
| Equity capital to assets | 20.2565% | 202 |
| Core capital (leverage) ratio | 20.3065% | 193 |
| Tier 1 risk-based capital ratio | 20.1218% | 1,691 |
| Total risk-based capital ratio | 20.7868% | 1,796 |
| Memoranda: | ||
| Average total assets | $51,133,000 | 5,935 |
| Average earning assets | $47,268,000 | 5,909 |
| Average equity | $10,438,500 | 4,740 |
| Average total loans | $30,797,000 | 5,684 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6613% | 5,242 |
| Cost of funding earning assets | 0.2513% | 5,954 |
| Net interest margin | 3.4100% | 4,238 |
| Noninterest income to average assets | 0.5073% | 3,708 |
| Noninterest expense to average assets | 2.4306% | 4,988 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2398% | 1,420 |
| Return on assets (ROA) | 1.2398% | 1,484 |
| Pretax return on assets | 1.2398% | 2,419 |
| Return on Equity (ROE) | 6.0513% | 4,054 |
| Retained earnings to average equity (ytd only) | 0.4684% | 5,633 |
| Net charge-offs to loans | 0.0435% | 4,609 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 48.6923% | 815 |
| Efficiency ratio | 66.2220% | 4,516 |
| Assets per employee ($millions) | 3.9021% | 4,062 |
| Cash dividends to net income (ytd only)* | 92.2591% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 5,200 |
| Loan loss allowance to noncurrent loans | 84.7500% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 0.9482% | 3,530 |
| Noncurrent loans to loans | 1.2868% | 2,985 |
| Net loans and leases to total assets | 60.6087% | 3,609 |
| Net loans and leases to deposits | 78.8475% | 2,611 |
| Net loans and leases to core deposits | 81.2822% | 2,979 |
| Total domestic deposits to total assets | 76.8683% | 5,992 |
| Equity capital to assets | 20.5748% | 183 |
| Core capital (leverage) ratio | 20.1728% | 186 |
| Tier 1 risk-based capital ratio | 20.4383% | 1,551 |
| Total risk-based capital ratio | 21.1021% | 1,658 |
| Memoranda: | ||
| Average total assets | $51,057,400 | 5,989 |
| Average earning assets | $47,360,400 | 5,956 |
| Average equity | $10,460,600 | 4,753 |
| Average total loans | $29,858,000 | 5,769 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6444% | 5,316 |
| Cost of funding earning assets | 0.2595% | 6,019 |
| Net interest margin | 3.3849% | 4,340 |
| Noninterest income to average assets | 0.5188% | 3,684 |
| Noninterest expense to average assets | 2.2943% | 5,361 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3531% | 1,221 |
| Return on assets (ROA) | 1.3531% | 1,266 |
| Pretax return on assets | 1.3531% | 2,107 |
| Return on Equity (ROE) | 6.6114% | 3,865 |
| Retained earnings to average equity (ytd only) | 2.7643% | 4,666 |
| Net charge-offs to loans | 0.0316% | 4,500 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 74.1672% | 636 |
| Efficiency ratio | 62.9021% | 5,000 |
| Assets per employee ($millions) | 4.0091% | 3,816 |
| Cash dividends to net income (ytd only)* | 58.1895% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 5,352 |
| Loan loss allowance to noncurrent loans | 95.0413% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 0.8673% | 3,944 |
| Noncurrent loans to loans | 1.1513% | 3,508 |
| Net loans and leases to total assets | 59.8354% | 3,720 |
| Net loans and leases to deposits | 77.4994% | 2,739 |
| Net loans and leases to core deposits | 79.8142% | 3,150 |
| Total domestic deposits to total assets | 77.2075% | 6,022 |
| Equity capital to assets | 20.3481% | 198 |
| Core capital (leverage) ratio | 20.4166% | 190 |
| Tier 1 risk-based capital ratio | 20.2142% | 1,680 |
| Total risk-based capital ratio | 20.8719% | 1,796 |
| Memoranda: | ||
| Average total assets | $51,140,000 | 6,056 |
| Average earning assets | $47,267,500 | 6,023 |
| Average equity | $10,466,500 | 4,801 |
| Average total loans | $29,551,500 | 5,841 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6462% | 5,302 |
| Cost of funding earning assets | 0.2782% | 5,997 |
| Net interest margin | 3.3681% | 4,310 |
| Noninterest income to average assets | 0.4448% | 4,203 |
| Noninterest expense to average assets | 2.4206% | 4,997 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1217% | 1,854 |
| Return on assets (ROA) | 1.1217% | 1,973 |
| Pretax return on assets | 1.1217% | 3,009 |
| Return on Equity (ROE) | 5.4701% | 4,479 |
| Retained earnings to average equity (ytd only) | 1.6122% | 5,221 |
| Net charge-offs to loans | -0.0138% | 5,848 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3333% | 4,119 |
| Assets per employee ($millions) | 3.9655% | 3,884 |
| Cash dividends to net income (ytd only)* | 70.5263% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 4,789 |
| Loan loss allowance to noncurrent loans | 107.2727% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.7973% | 4,231 |
| Noncurrent loans to loans | 1.1547% | 3,622 |
| Net loans and leases to total assets | 54.7497% | 4,484 |
| Net loans and leases to deposits | 68.7954% | 3,892 |
| Net loans and leases to core deposits | 70.8078% | 4,185 |
| Total domestic deposits to total assets | 79.5833% | 5,696 |
| Equity capital to assets | 20.3139% | 191 |
| Core capital (leverage) ratio | 20.3672% | 176 |
| Tier 1 risk-based capital ratio | 20.1753% | 1,685 |
| Total risk-based capital ratio | 20.8573% | 1,801 |
| Memoranda: | ||
| Average total assets | $50,814,000 | 6,106 |
| Average earning assets | $46,733,000 | 6,075 |
| Average equity | $10,420,330 | 4,847 |
| Average total loans | $28,892,000 | 5,897 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7141% | 5,114 |
| Cost of funding earning assets | 0.2857% | 6,069 |
| Net interest margin | 3.4284% | 4,017 |
| Noninterest income to average assets | 0.4440% | 4,148 |
| Noninterest expense to average assets | 2.6801% | 4,152 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9039% | 2,637 |
| Return on assets (ROA) | 0.9039% | 2,781 |
| Pretax return on assets | 0.9039% | 3,747 |
| Return on Equity (ROE) | 4.3869% | 4,905 |
| Retained earnings to average equity (ytd only) | 0.5003% | 5,626 |
| Net charge-offs to loans | -0.0413% | 6,045 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7788% | 3,127 |
| Assets per employee ($millions) | 4.2973% | 3,344 |
| Cash dividends to net income (ytd only)* | 88.5965% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 5,018 |
| Loan loss allowance to noncurrent loans | 116.0131% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.7505% | 4,496 |
| Noncurrent loans to loans | 1.0657% | 4,015 |
| Net loans and leases to total assets | 54.9934% | 4,239 |
| Net loans and leases to deposits | 68.9497% | 3,645 |
| Net loans and leases to core deposits | 70.9614% | 3,958 |
| Total domestic deposits to total assets | 79.7588% | 5,809 |
| Equity capital to assets | 20.1695% | 211 |
| Core capital (leverage) ratio | 20.5107% | 170 |
| Tier 1 risk-based capital ratio | 20.0316% | 1,758 |
| Total risk-based capital ratio | 20.7153% | 1,890 |
| Memoranda: | ||
| Average total assets | $50,445,500 | 6,174 |
| Average earning assets | $46,202,500 | 6,154 |
| Average equity | $10,394,500 | 4,906 |
| Average total loans | $29,049,000 | 5,932 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2077% | 4,566 |
| Cost of funding earning assets | 0.3357% | 6,290 |
| Net interest margin | 3.8720% | 2,936 |
| Noninterest income to average assets | 0.4592% | 4,180 |
| Noninterest expense to average assets | 2.6159% | 4,690 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3899% | 1,117 |
| Return on assets (ROA) | 1.3899% | 1,229 |
| Pretax return on assets | 1.3899% | 2,075 |
| Return on Equity (ROE) | 6.5107% | 3,906 |
| Retained earnings to average equity (ytd only) | 0.5282% | 5,583 |
| Net charge-offs to loans | 0.0229% | 5,581 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 96.8571% | 398 |
| Efficiency ratio | 65.3019% | 4,646 |
| Assets per employee ($millions) | 3.7941% | 4,380 |
| Cash dividends to net income (ytd only)* | 91.8879% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 5,124 |
| Loan loss allowance to noncurrent loans | 104.1420% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.8495% | 4,348 |
| Noncurrent loans to loans | 1.1503% | 3,925 |
| Net loans and leases to total assets | 58.8610% | 3,828 |
| Net loans and leases to deposits | 74.6017% | 3,004 |
| Net loans and leases to core deposits | 76.9039% | 3,421 |
| Total domestic deposits to total assets | 78.9003% | 5,909 |
| Equity capital to assets | 21.0612% | 181 |
| Core capital (leverage) ratio | 21.0075% | 163 |
| Tier 1 risk-based capital ratio | 20.9119% | 1,484 |
| Total risk-based capital ratio | 21.6205% | 1,563 |
| Memoranda: | ||
| Average total assets | $48,778,800 | 6,246 |
| Average earning assets | $44,679,800 | 6,216 |
| Average equity | $10,413,600 | 4,888 |
| Average total loans | $30,556,600 | 5,921 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2972% | 4,465 |
| Cost of funding earning assets | 0.3441% | 6,410 |
| Net interest margin | 3.9530% | 2,691 |
| Noninterest income to average assets | 0.4495% | 4,293 |
| Noninterest expense to average assets | 2.5382% | 4,965 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5322% | 968 |
| Return on assets (ROA) | 1.5322% | 1,074 |
| Pretax return on assets | 1.5322% | 1,772 |
| Return on Equity (ROE) | 7.1527% | 3,721 |
| Retained earnings to average equity (ytd only) | 2.5207% | 5,056 |
| Net charge-offs to loans | -0.0302% | 6,575 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3569% | 5,092 |
| Assets per employee ($millions) | 3.7681% | 4,380 |
| Cash dividends to net income (ytd only)* | 64.7583% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 5,198 |
| Loan loss allowance to noncurrent loans | 132.1300% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.7308% | 4,855 |
| Noncurrent loans to loans | 0.9227% | 4,587 |
| Net loans and leases to total assets | 60.5349% | 3,667 |
| Net loans and leases to deposits | 77.2717% | 2,761 |
| Net loans and leases to core deposits | 77.2717% | 3,575 |
| Total domestic deposits to total assets | 78.3403% | 6,009 |
| Equity capital to assets | 21.4964% | 187 |
| Core capital (leverage) ratio | 21.4766% | 154 |
| Tier 1 risk-based capital ratio | 21.3370% | 1,448 |
| Total risk-based capital ratio | 22.0786% | 1,533 |
| Memoranda: | ||
| Average total assets | $48,642,750 | 6,321 |
| Average earning assets | $44,555,500 | 6,290 |
| Average equity | $10,420,000 | 4,936 |
| Average total loans | $30,849,750 | 5,984 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4002% | 4,188 |
| Cost of funding earning assets | 0.3544% | 6,494 |
| Net interest margin | 4.0459% | 2,314 |
| Noninterest income to average assets | 0.4492% | 4,296 |
| Noninterest expense to average assets | 2.7118% | 4,364 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4548% | 1,074 |
| Return on assets (ROA) | 1.4548% | 1,208 |
| Pretax return on assets | 1.4548% | 1,993 |
| Return on Equity (ROE) | 6.7994% | 3,887 |
| Retained earnings to average equity (ytd only) | 2.1573% | 5,111 |
| Net charge-offs to loans | -0.0321% | 6,548 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0841% | 4,711 |
| Assets per employee ($millions) | 3.7565% | 4,408 |
| Cash dividends to net income (ytd only)* | 68.2720% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 5,405 |
| Loan loss allowance to noncurrent loans | 100.8310% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.9051% | 4,561 |
| Noncurrent loans to loans | 1.1784% | 4,183 |
| Net loans and leases to total assets | 61.9863% | 3,440 |
| Net loans and leases to deposits | 78.9768% | 2,526 |
| Net loans and leases to core deposits | 81.4503% | 3,029 |
| Total domestic deposits to total assets | 78.4867% | 6,060 |
| Equity capital to assets | 21.3883% | 182 |
| Core capital (leverage) ratio | 21.0572% | 162 |
| Tier 1 risk-based capital ratio | 21.2301% | 1,436 |
| Total risk-based capital ratio | 21.9700% | 1,507 |
| Memoranda: | ||
| Average total assets | $48,528,670 | 6,366 |
| Average earning assets | $44,588,670 | 6,331 |
| Average equity | $10,383,330 | 4,941 |
| Average total loans | $31,126,670 | 6,007 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4627% | 4,060 |
| Cost of funding earning assets | 0.3592% | 6,603 |
| Net interest margin | 4.1035% | 2,079 |
| Noninterest income to average assets | 0.4548% | 4,262 |
| Noninterest expense to average assets | 2.9106% | 3,583 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3230% | 1,391 |
| Return on assets (ROA) | 1.3230% | 1,558 |
| Pretax return on assets | 1.3230% | 2,446 |
| Return on Equity (ROE) | 6.1821% | 4,195 |
| Retained earnings to average equity (ytd only) | 1.5069% | 5,484 |
| Net charge-offs to loans | -0.0383% | 6,440 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7500% | 4,029 |
| Assets per employee ($millions) | 4.1025% | 3,790 |
| Cash dividends to net income (ytd only)* | 75.6250% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 5,683 |
| Loan loss allowance to noncurrent loans | 135.5805% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.7069% | 5,134 |
| Noncurrent loans to loans | 0.8544% | 4,962 |
| Net loans and leases to total assets | 62.7443% | 3,111 |
| Net loans and leases to deposits | 79.5965% | 2,263 |
| Net loans and leases to core deposits | 82.0556% | 2,827 |
| Total domestic deposits to total assets | 78.8280% | 6,117 |
| Equity capital to assets | 21.0685% | 178 |
| Core capital (leverage) ratio | 21.1509% | 156 |
| Tier 1 risk-based capital ratio | 20.9147% | 1,513 |
| Total risk-based capital ratio | 21.6446% | 1,589 |
| Memoranda: | ||
| Average total assets | $48,375,500 | 6,421 |
| Average earning assets | $44,547,000 | 6,381 |
| Average equity | $10,352,500 | 4,957 |
| Average total loans | $31,372,500 | 6,041 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7080% | 4,209 |
| Cost of funding earning assets | 0.4343% | 6,788 |
| Net interest margin | 4.2737% | 1,792 |
| Noninterest income to average assets | 0.4990% | 3,847 |
| Noninterest expense to average assets | 2.6403% | 4,959 |
| Loan and lease loss provision to assets | 0.1579% | 4,659 |
| Net operating income to assets | 1.5960% | 665 |
| Return on assets (ROA) | 1.5960% | 727 |
| Pretax return on assets | 1.5960% | 1,212 |
| Return on Equity (ROE) | 7.2578% | 3,275 |
| Retained earnings to average equity (ytd only) | -0.0383% | 5,850 |
| Net charge-offs to loans | 0.1010% | 5,342 |
| Credit loss provision to net charge-offs | 234.3750% | 1,040 |
| Earnings coverage of net charge-offs (x) | 26.0313% | 954 |
| Efficiency ratio | 60.0862% | 5,743 |
| Assets per employee ($millions) | 3.9601% | 3,952 |
| Cash dividends to net income (ytd only)* | 100.5277% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1399% | 5,668 |
| Loan loss allowance to noncurrent loans | 99.4460% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.7597% | 5,125 |
| Noncurrent loans to loans | 1.1463% | 4,451 |
| Net loans and leases to total assets | 65.5184% | 2,874 |
| Net loans and leases to deposits | 83.9965% | 1,922 |
| Net loans and leases to core deposits | 86.7149% | 2,539 |
| Total domestic deposits to total assets | 78.0013% | 6,193 |
| Equity capital to assets | 21.7441% | 162 |
| Core capital (leverage) ratio | 21.9860% | 139 |
| Tier 1 risk-based capital ratio | 21.5810% | 1,302 |
| Total risk-based capital ratio | 22.3308% | 1,372 |
| Memoranda: | ||
| Average total assets | $47,494,000 | 6,437 |
| Average earning assets | $43,288,400 | 6,411 |
| Average equity | $10,444,000 | 4,914 |
| Average total loans | $31,692,200 | 6,091 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7486% | 4,232 |
| Cost of funding earning assets | 0.4536% | 6,870 |
| Net interest margin | 4.2950% | 1,738 |
| Noninterest income to average assets | 0.5026% | 3,854 |
| Noninterest expense to average assets | 2.5213% | 5,395 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.8896% | 435 |
| Return on assets (ROA) | 1.8896% | 472 |
| Pretax return on assets | 1.8896% | 801 |
| Return on Equity (ROE) | 8.5689% | 2,791 |
| Retained earnings to average equity (ytd only) | 3.9598% | 3,900 |
| Net charge-offs to loans | 0.1344% | 4,711 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 21.0291% | 1,199 |
| Efficiency ratio | 57.1610% | 6,120 |
| Assets per employee ($millions) | 3.9768% | 3,902 |
| Cash dividends to net income (ytd only)* | 53.7885% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 6,611 |
| Loan loss allowance to noncurrent loans | 75.7333% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 0.7858% | 5,204 |
| Noncurrent loans to loans | 1.1829% | 4,567 |
| Net loans and leases to total assets | 65.8368% | 2,937 |
| Net loans and leases to deposits | 84.9617% | 1,841 |
| Net loans and leases to core deposits | 87.7181% | 2,527 |
| Total domestic deposits to total assets | 77.4900% | 6,301 |
| Equity capital to assets | 22.3130% | 163 |
| Core capital (leverage) ratio | 22.2478% | 147 |
| Tier 1 risk-based capital ratio | 22.1810% | 1,259 |
| Total risk-based capital ratio | 22.7726% | 1,337 |
| Memoranda: | ||
| Average total assets | $47,487,250 | 6,499 |
| Average earning assets | $43,211,750 | 6,473 |
| Average equity | $10,471,750 | 4,926 |
| Average total loans | $31,741,750 | 6,151 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7398% | 4,351 |
| Cost of funding earning assets | 0.4666% | 6,965 |
| Net interest margin | 4.2732% | 1,756 |
| Noninterest income to average assets | 0.4978% | 3,873 |
| Noninterest expense to average assets | 2.6746% | 4,923 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.7254% | 570 |
| Return on assets (ROA) | 1.7254% | 615 |
| Pretax return on assets | 1.7254% | 1,002 |
| Return on Equity (ROE) | 7.8556% | 3,013 |
| Retained earnings to average equity (ytd only) | 3.2267% | 4,214 |
| Net charge-offs to loans | -0.0693% | 7,093 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7862% | 5,763 |
| Assets per employee ($millions) | 4.0038% | 3,748 |
| Cash dividends to net income (ytd only)* | 58.9242% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 6,295 |
| Loan loss allowance to noncurrent loans | 57.9787% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 1.1739% | 4,539 |
| Noncurrent loans to loans | 1.7370% | 3,832 |
| Net loans and leases to total assets | 66.8984% | 2,840 |
| Net loans and leases to deposits | 85.7944% | 1,817 |
| Net loans and leases to core deposits | 88.5357% | 2,558 |
| Total domestic deposits to total assets | 77.9753% | 6,294 |
| Equity capital to assets | 21.8645% | 182 |
| Core capital (leverage) ratio | 21.7978% | 163 |
| Tier 1 risk-based capital ratio | 21.7167% | 1,296 |
| Total risk-based capital ratio | 22.3927% | 1,375 |
| Memoranda: | ||
| Average total assets | $47,409,330 | 6,551 |
| Average earning assets | $43,293,330 | 6,532 |
| Average equity | $10,413,000 | 4,948 |
| Average total loans | $31,755,000 | 6,215 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8155% | 3,990 |
| Cost of funding earning assets | 0.4872% | 7,015 |
| Net interest margin | 4.3283% | 1,473 |
| Noninterest income to average assets | 0.5181% | 3,743 |
| Noninterest expense to average assets | 2.9135% | 4,005 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5290% | 822 |
| Return on assets (ROA) | 1.5290% | 865 |
| Pretax return on assets | 1.5290% | 1,364 |
| Return on Equity (ROE) | 6.9451% | 3,410 |
| Retained earnings to average equity (ytd only) | 2.3150% | 4,763 |
| Net charge-offs to loans | -0.1401% | 7,181 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5832% | 5,111 |
| Assets per employee ($millions) | 3.9863% | 3,864 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 6,238 |
| Loan loss allowance to noncurrent loans | 63.6187% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 1.0745% | 4,775 |
| Noncurrent loans to loans | 1.6422% | 4,020 |
| Net loans and leases to total assets | 64.7462% | 3,299 |
| Net loans and leases to deposits | 82.8483% | 2,207 |
| Net loans and leases to core deposits | 85.4966% | 2,957 |
| Total domestic deposits to total assets | 78.1503% | 6,361 |
| Equity capital to assets | 21.7347% | 177 |
| Core capital (leverage) ratio | 21.8479% | 162 |
| Tier 1 risk-based capital ratio | 21.5871% | 1,302 |
| Total risk-based capital ratio | 22.2661% | 1,367 |
| Memoranda: | ||
| Average total assets | $47,091,000 | 6,610 |
| Average earning assets | $42,695,500 | 6,599 |
| Average equity | $10,367,000 | 4,951 |
| Average total loans | $31,398,000 | 6,273 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1193% | 4,010 |
| Cost of funding earning assets | 0.6017% | 7,127 |
| Net interest margin | 4.5176% | 1,192 |
| Noninterest income to average assets | 0.5354% | 3,918 |
| Noninterest expense to average assets | 2.6556% | 5,192 |
| Loan and lease loss provision to assets | 0.0448% | 6,717 |
| Net operating income to assets | 1.9347% | 316 |
| Return on assets (ROA) | 1.9347% | 333 |
| Pretax return on assets | 1.9347% | 561 |
| Return on Equity (ROE) | 8.7255% | 2,408 |
| Retained earnings to average equity (ytd only) | 0.8851% | 5,107 |
| Net charge-offs to loans | 0.2245% | 4,941 |
| Credit loss provision to net charge-offs | 29.1667% | 6,499 |
| Earnings coverage of net charge-offs (x) | 12.8889% | 1,461 |
| Efficiency ratio | 57.2941% | 6,419 |
| Assets per employee ($millions) | 3.5651% | 4,789 |
| Cash dividends to net income (ytd only)* | 89.8567% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 6,372 |
| Loan loss allowance to noncurrent loans | 72.3112% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.9429% | 5,120 |
| Noncurrent loans to loans | 1.3874% | 4,404 |
| Net loans and leases to total assets | 67.2787% | 3,151 |
| Net loans and leases to deposits | 87.7918% | 1,825 |
| Net loans and leases to core deposits | 90.7480% | 2,655 |
| Total domestic deposits to total assets | 76.6344% | 6,545 |
| Equity capital to assets | 22.3040% | 173 |
| Core capital (leverage) ratio | 22.2459% | 164 |
| Tier 1 risk-based capital ratio | 22.1529% | 1,150 |
| Total risk-based capital ratio | 22.8301% | 1,215 |
| Memoranda: | ||
| Average total assets | $46,881,600 | 6,638 |
| Average earning assets | $42,544,600 | 6,624 |
| Average equity | $10,394,800 | 5,012 |
| Average total loans | $32,067,400 | 6,310 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1474% | 4,089 |
| Cost of funding earning assets | 0.6184% | 7,253 |
| Net interest margin | 4.5289% | 1,196 |
| Noninterest income to average assets | 0.5303% | 3,939 |
| Noninterest expense to average assets | 2.5438% | 5,550 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.0985% | 287 |
| Return on assets (ROA) | 2.0985% | 307 |
| Pretax return on assets | 2.0985% | 503 |
| Return on Equity (ROE) | 9.4785% | 2,326 |
| Retained earnings to average equity (ytd only) | 4.8418% | 3,088 |
| Net charge-offs to loans | 0.0786% | 5,738 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 38.9514% | 698 |
| Efficiency ratio | 54.7954% | 6,713 |
| Assets per employee ($millions) | 3.6033% | 4,725 |
| Cash dividends to net income (ytd only)* | 48.9186% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 6,018 |
| Loan loss allowance to noncurrent loans | 148.7179% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.4995% | 6,182 |
| Noncurrent loans to loans | 0.7265% | 5,753 |
| Net loans and leases to total assets | 68.0144% | 3,213 |
| Net loans and leases to deposits | 88.2157% | 1,981 |
| Net loans and leases to core deposits | 91.1327% | 2,932 |
| Total domestic deposits to total assets | 77.1001% | 6,457 |
| Equity capital to assets | 22.6779% | 175 |
| Core capital (leverage) ratio | 22.6658% | 160 |
| Tier 1 risk-based capital ratio | 22.5106% | 1,131 |
| Total risk-based capital ratio | 23.2481% | 1,179 |
| Memoranda: | ||
| Average total assets | $47,015,500 | 6,717 |
| Average earning assets | $42,687,500 | 6,707 |
| Average equity | $10,409,250 | 5,084 |
| Average total loans | $32,210,000 | 6,385 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2034% | 3,938 |
| Cost of funding earning assets | 0.6323% | 7,335 |
| Net interest margin | 4.5711% | 1,058 |
| Noninterest income to average assets | 0.5311% | 3,867 |
| Noninterest expense to average assets | 2.7744% | 4,595 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.9034% | 394 |
| Return on assets (ROA) | 1.9034% | 436 |
| Pretax return on assets | 1.9034% | 728 |
| Return on Equity (ROE) | 8.6671% | 2,597 |
| Retained earnings to average equity (ytd only) | 4.0046% | 3,530 |
| Net charge-offs to loans | 0.1180% | 5,000 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 23.5789% | 1,099 |
| Efficiency ratio | 59.3097% | 6,172 |
| Assets per employee ($millions) | 3.5536% | 4,789 |
| Cash dividends to net income (ytd only)* | 53.7946% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 5,987 |
| Loan loss allowance to noncurrent loans | 174.0000% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.4329% | 6,374 |
| Noncurrent loans to loans | 0.6270% | 5,992 |
| Net loans and leases to total assets | 68.2945% | 3,289 |
| Net loans and leases to deposits | 88.4720% | 2,098 |
| Net loans and leases to core deposits | 91.4334% | 3,070 |
| Total domestic deposits to total assets | 77.1933% | 6,449 |
| Equity capital to assets | 22.6248% | 177 |
| Core capital (leverage) ratio | 21.9654% | 180 |
| Tier 1 risk-based capital ratio | 22.4557% | 1,130 |
| Total risk-based capital ratio | 23.2034% | 1,185 |
| Memoranda: | ||
| Average total assets | $47,073,000 | 6,762 |
| Average earning assets | $42,702,670 | 6,750 |
| Average equity | $10,338,000 | 5,106 |
| Average total loans | $32,210,670 | 6,429 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1797% | 4,132 |
| Cost of funding earning assets | 0.6405% | 7,470 |
| Net interest margin | 4.5392% | 1,069 |
| Noninterest income to average assets | 0.5220% | 3,879 |
| Noninterest expense to average assets | 3.0140% | 3,626 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6249% | 712 |
| Return on assets (ROA) | 1.6249% | 759 |
| Pretax return on assets | 1.6249% | 1,207 |
| Return on Equity (ROE) | 7.5090% | 3,111 |
| Retained earnings to average equity (ytd only) | 2.8013% | 4,451 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9728% | 5,312 |
| Assets per employee ($millions) | 3.6747% | 4,638 |
| Cash dividends to net income (ytd only)* | 62.6943% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 5,863 |
| Loan loss allowance to noncurrent loans | 164.5740% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.4668% | 6,303 |
| Noncurrent loans to loans | 0.6869% | 5,960 |
| Net loans and leases to total assets | 67.1935% | 3,582 |
| Net loans and leases to deposits | 85.8469% | 2,615 |
| Net loans and leases to core deposits | 88.5783% | 3,555 |
| Total domestic deposits to total assets | 78.2713% | 6,249 |
| Equity capital to assets | 21.5968% | 224 |
| Core capital (leverage) ratio | 21.4192% | 202 |
| Tier 1 risk-based capital ratio | 21.4321% | 1,280 |
| Total risk-based capital ratio | 22.1945% | 1,322 |
| Memoranda: | ||
| Average total assets | $47,511,000 | 6,824 |
| Average earning assets | $43,091,500 | 6,818 |
| Average equity | $10,281,000 | 5,155 |
| Average total loans | $32,367,000 | 6,491 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3498% | 4,943 |
| Cost of funding earning assets | 0.8614% | 7,468 |
| Net interest margin | 4.4884% | 1,199 |
| Noninterest income to average assets | 0.4690% | 4,658 |
| Noninterest expense to average assets | 2.6443% | 5,616 |
| Loan and lease loss provision to assets | 0.0323% | 7,208 |
| Net operating income to assets | 1.9407% | 259 |
| Return on assets (ROA) | 1.9407% | 270 |
| Pretax return on assets | 1.9407% | 462 |
| Return on Equity (ROE) | 8.7493% | 2,102 |
| Retained earnings to average equity (ytd only) | 0.8245% | 4,441 |
| Net charge-offs to loans | 0.1771% | 5,534 |
| Credit loss provision to net charge-offs | 27.7778% | 6,908 |
| Earnings coverage of net charge-offs (x) | 16.9815% | 1,218 |
| Efficiency ratio | 57.2693% | 6,868 |
| Assets per employee ($millions) | 3.6347% | 4,685 |
| Cash dividends to net income (ytd only)* | 90.5765% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 5,703 |
| Loan loss allowance to noncurrent loans | 126.1168% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.6159% | 5,906 |
| Noncurrent loans to loans | 0.9018% | 5,504 |
| Net loans and leases to total assets | 67.5139% | 3,814 |
| Net loans and leases to deposits | 86.3146% | 2,852 |
| Net loans and leases to core deposits | 96.1540% | 4,453 |
| Total domestic deposits to total assets | 78.2185% | 6,173 |
| Equity capital to assets | 21.6821% | 232 |
| Core capital (leverage) ratio | 21.1586% | 230 |
| Tier 1 risk-based capital ratio | 21.5150% | 1,212 |
| Total risk-based capital ratio | 22.2857% | 1,256 |
| Memoranda: | ||
| Average total assets | $46,477,800 | 6,849 |
| Average earning assets | $42,955,000 | 6,819 |
| Average equity | $10,309,400 | 5,215 |
| Average total loans | $30,492,800 | 6,599 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4108% | 4,892 |
| Cost of funding earning assets | 0.9127% | 7,532 |
| Net interest margin | 4.4981% | 1,196 |
| Noninterest income to average assets | 0.4638% | 4,791 |
| Noninterest expense to average assets | 2.5263% | 5,990 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.0971% | 238 |
| Return on assets (ROA) | 2.0971% | 261 |
| Pretax return on assets | 2.0971% | 445 |
| Return on Equity (ROE) | 9.4004% | 2,127 |
| Retained earnings to average equity (ytd only) | 4.7261% | 2,641 |
| Net charge-offs to loans | 0.2396% | 4,553 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 13.4811% | 1,673 |
| Efficiency ratio | 54.6417% | 7,167 |
| Assets per employee ($millions) | 3.5925% | 4,706 |
| Cash dividends to net income (ytd only)* | 49.7249% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 5,486 |
| Loan loss allowance to noncurrent loans | 197.7528% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.3811% | 6,513 |
| Noncurrent loans to loans | 0.5754% | 6,166 |
| Net loans and leases to total assets | 65.4876% | 4,537 |
| Net loans and leases to deposits | 84.8495% | 3,515 |
| Net loans and leases to core deposits | 94.9195% | 4,939 |
| Total domestic deposits to total assets | 77.1808% | 6,296 |
| Equity capital to assets | 22.5386% | 230 |
| Core capital (leverage) ratio | 22.3482% | 225 |
| Tier 1 risk-based capital ratio | 22.3700% | 1,181 |
| Total risk-based capital ratio | 23.1181% | 1,216 |
| Memoranda: | ||
| Average total assets | $46,284,500 | 6,909 |
| Average earning assets | $42,802,500 | 6,878 |
| Average equity | $10,325,500 | 5,250 |
| Average total loans | $30,049,000 | 6,676 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5264% | 4,469 |
| Cost of funding earning assets | 0.9719% | 7,595 |
| Net interest margin | 4.5545% | 1,049 |
| Noninterest income to average assets | 0.4594% | 4,783 |
| Noninterest expense to average assets | 2.7565% | 5,146 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.9070% | 371 |
| Return on assets (ROA) | 1.9114% | 397 |
| Pretax return on assets | 1.9114% | 680 |
| Return on Equity (ROE) | 8.5976% | 2,514 |
| Retained earnings to average equity (ytd only) | 3.8991% | 3,114 |
| Net charge-offs to loans | 0.3697% | 3,338 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,336 |
| Efficiency ratio | 59.1078% | 6,674 |
| Assets per employee ($millions) | 3.6322% | 4,493 |
| Cash dividends to net income (ytd only)* | 54.6485% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 5,106 |
| Loan loss allowance to noncurrent loans | 175.5000% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.4236% | 6,405 |
| Noncurrent loans to loans | 0.6698% | 5,908 |
| Net loans and leases to total assets | 62.4910% | 5,269 |
| Net loans and leases to deposits | 80.3218% | 4,494 |
| Net loans and leases to core deposits | 91.2964% | 5,420 |
| Total domestic deposits to total assets | 77.8008% | 6,132 |
| Equity capital to assets | 21.9408% | 287 |
| Core capital (leverage) ratio | 22.0144% | 277 |
| Tier 1 risk-based capital ratio | 21.7789% | 1,283 |
| Total risk-based capital ratio | 22.5168% | 1,319 |
| Memoranda: | ||
| Average total assets | $46,145,330 | 6,978 |
| Average earning assets | $42,595,330 | 6,944 |
| Average equity | $10,258,670 | 5,289 |
| Average total loans | $29,753,330 | 6,749 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7124% | 3,740 |
| Cost of funding earning assets | 1.0395% | 7,611 |
| Net interest margin | 4.6729% | 811 |
| Noninterest income to average assets | 0.5174% | 4,159 |
| Noninterest expense to average assets | 2.9468% | 3,987 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.8681% | 461 |
| Return on assets (ROA) | 1.8768% | 506 |
| Pretax return on assets | 1.8768% | 841 |
| Return on Equity (ROE) | 8.3856% | 2,975 |
| Retained earnings to average equity (ytd only) | 3.6834% | 3,853 |
| Net charge-offs to loans | -0.0135% | 7,347 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2022% | 6,218 |
| Assets per employee ($millions) | 3.5708% | 4,652 |
| Cash dividends to net income (ytd only)* | 56.0748% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 3,605 |
| Loan loss allowance to noncurrent loans | 132.5733% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.6613% | 5,513 |
| Noncurrent loans to loans | 1.0422% | 4,903 |
| Net loans and leases to total assets | 62.5794% | 5,224 |
| Net loans and leases to deposits | 80.5111% | 4,531 |
| Net loans and leases to core deposits | 90.9119% | 5,463 |
| Total domestic deposits to total assets | 77.7278% | 6,100 |
| Equity capital to assets | 22.0891% | 303 |
| Core capital (leverage) ratio | 22.1512% | 302 |
| Tier 1 risk-based capital ratio | 21.8972% | 1,314 |
| Total risk-based capital ratio | 22.7663% | 1,335 |
| Memoranda: | ||
| Average total assets | $45,609,000 | 7,043 |
| Average earning assets | $41,944,000 | 7,022 |
| Average equity | $10,208,000 | 5,322 |
| Average total loans | $29,701,000 | 6,787 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0185% | 5,457 |
| Cost of funding earning assets | 1.6238% | 7,395 |
| Net interest margin | 4.3947% | 1,698 |
| Noninterest income to average assets | 0.5273% | 4,408 |
| Noninterest expense to average assets | 2.7365% | 5,099 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8310% | 522 |
| Return on assets (ROA) | 1.8310% | 501 |
| Pretax return on assets | 1.8310% | 884 |
| Return on Equity (ROE) | 8.0617% | 3,051 |
| Retained earnings to average equity (ytd only) | 0.4506% | 4,976 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9123% | 6,357 |
| Assets per employee ($millions) | 3.4459% | 4,806 |
| Cash dividends to net income (ytd only)* | 94.4107% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 3,446 |
| Loan loss allowance to noncurrent loans | 186.2385% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.6273% | 5,320 |
| Noncurrent loans to loans | 0.7280% | 5,211 |
| Net loans and leases to total assets | 65.9397% | 4,854 |
| Net loans and leases to deposits | 86.5485% | 4,024 |
| Net loans and leases to core deposits | 97.4595% | 5,102 |
| Total domestic deposits to total assets | 76.1881% | 6,197 |
| Equity capital to assets | 22.6846% | 326 |
| Core capital (leverage) ratio | 22.3961% | 326 |
| Tier 1 risk-based capital ratio | 22.4808% | 1,253 |
| Total risk-based capital ratio | 23.3790% | 1,265 |
| Memoranda: | ||
| Average total assets | $44,948,200 | 6,989 |
| Average earning assets | $41,322,600 | 6,975 |
| Average equity | $10,208,800 | 5,339 |
| Average total loans | $29,595,000 | 6,730 |