Home > Stroud National Bank > Performance and Condition Ratios
Stroud National Bank, Performance and Condition Ratios
| 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 | 6.1155% | 90 |
| Cost of funding earning assets | 0.2137% | 3,792 |
| Net interest margin | 5.9017% | 71 |
| Noninterest income to average assets | 0.7136% | 1,832 |
| Noninterest expense to average assets | 4.0616% | 271 |
| Loan and lease loss provision to assets | -0.0942% | 4,711 |
| Net operating income to assets | 2.1991% | 420 |
| Return on assets (ROA) | 2.1991% | 456 |
| Pretax return on assets | 2.1991% | 689 |
| Return on Equity (ROE) | 19.0931% | 616 |
| Retained earnings to average equity (ytd only) | 15.1965% | 606 |
| Net charge-offs to loans | -0.2026% | 4,785 |
| Credit loss provision to net charge-offs | 95.4545% | 1,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8661% | 2,252 |
| Assets per employee ($millions) | 3.3199% | 4,754 |
| Cash dividends to net income (ytd only)* | 20.4082% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 2,786 |
| Loan loss allowance to noncurrent loans | 49.9543% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.1780% | 637 |
| Noncurrent loans to loans | 2.4543% | 382 |
| Net loans and leases to total assets | 47.4064% | 3,867 |
| Net loans and leases to deposits | 54.6329% | 3,898 |
| Net loans and leases to core deposits | 56.0483% | 3,971 |
| Total domestic deposits to total assets | 86.7725% | 2,411 |
| Equity capital to assets | 10.9350% | 1,911 |
| Core capital (leverage) ratio | 11.2766% | 1,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,128,500 | 4,198 |
| Average earning assets | $82,348,500 | 4,188 |
| Average equity | $10,265,500 | 4,185 |
| Average total loans | $43,446,000 | 4,226 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8690% | 638 |
| Cost of funding earning assets | 0.3742% | 3,744 |
| Net interest margin | 4.4948% | 334 |
| Noninterest income to average assets | 0.8233% | 1,469 |
| Noninterest expense to average assets | 4.0659% | 360 |
| Loan and lease loss provision to assets | 0.0682% | 3,525 |
| Net operating income to assets | 0.7998% | 3,096 |
| Return on assets (ROA) | 0.7998% | 3,217 |
| Pretax return on assets | 0.7998% | 3,626 |
| Return on Equity (ROE) | 6.4378% | 3,435 |
| Retained earnings to average equity (ytd only) | 2.2657% | 3,724 |
| Net charge-offs to loans | 0.0854% | 1,606 |
| Credit loss provision to net charge-offs | 141.0256% | 2,477 |
| Earnings coverage of net charge-offs (x) | 17.9487% | 2,046 |
| Efficiency ratio | 82.4076% | 720 |
| Assets per employee ($millions) | 3.0464% | 4,802 |
| Cash dividends to net income (ytd only)* | 64.8062% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 2,451 |
| Loan loss allowance to noncurrent loans | 47.9789% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 1.4174% | 536 |
| Noncurrent loans to loans | 2.6918% | 354 |
| Net loans and leases to total assets | 48.9232% | 3,908 |
| Net loans and leases to deposits | 57.4261% | 3,923 |
| Net loans and leases to core deposits | 59.0915% | 3,999 |
| Total domestic deposits to total assets | 85.1933% | 2,686 |
| Equity capital to assets | 12.1525% | 1,498 |
| Core capital (leverage) ratio | 11.2921% | 1,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,646,800 | 4,234 |
| Average earning assets | $73,751,600 | 4,238 |
| Average equity | $10,019,000 | 4,190 |
| Average total loans | $45,647,600 | 4,195 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0768% | 525 |
| Cost of funding earning assets | 0.4114% | 3,759 |
| Net interest margin | 4.6654% | 276 |
| Noninterest income to average assets | 0.7884% | 1,538 |
| Noninterest expense to average assets | 4.0896% | 352 |
| Loan and lease loss provision to assets | 0.1170% | 2,863 |
| Net operating income to assets | 0.8421% | 2,943 |
| Return on assets (ROA) | 0.8421% | 3,070 |
| Pretax return on assets | 0.8421% | 3,540 |
| Return on Equity (ROE) | 6.7388% | 3,299 |
| Retained earnings to average equity (ytd only) | 2.4566% | 3,760 |
| Net charge-offs to loans | 0.1405% | 1,036 |
| Credit loss provision to net charge-offs | 142.8571% | 2,365 |
| Earnings coverage of net charge-offs (x) | 11.6735% | 2,290 |
| Efficiency ratio | 80.9967% | 798 |
| Assets per employee ($millions) | 2.9158% | 4,856 |
| Cash dividends to net income (ytd only)* | 63.5458% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 3,076 |
| Loan loss allowance to noncurrent loans | 43.7649% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 1.4889% | 576 |
| Noncurrent loans to loans | 2.5683% | 404 |
| Net loans and leases to total assets | 57.3223% | 3,490 |
| Net loans and leases to deposits | 67.7400% | 3,488 |
| Net loans and leases to core deposits | 69.7280% | 3,640 |
| Total domestic deposits to total assets | 84.6210% | 2,586 |
| Equity capital to assets | 12.1717% | 1,589 |
| Core capital (leverage) ratio | 11.4070% | 1,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,483,750 | 4,256 |
| Average earning assets | $72,589,500 | 4,263 |
| Average equity | $9,932,250 | 4,210 |
| Average total loans | $46,490,250 | 4,195 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3607% | 439 |
| Cost of funding earning assets | 0.4550% | 3,766 |
| Net interest margin | 4.9058% | 239 |
| Noninterest income to average assets | 0.7867% | 1,477 |
| Noninterest expense to average assets | 4.2215% | 322 |
| Loan and lease loss provision to assets | 0.1028% | 2,985 |
| Net operating income to assets | 0.9255% | 2,607 |
| Return on assets (ROA) | 0.9255% | 2,728 |
| Pretax return on assets | 0.9255% | 3,241 |
| Return on Equity (ROE) | 7.3377% | 2,992 |
| Retained earnings to average equity (ytd only) | 5.2995% | 2,350 |
| Net charge-offs to loans | 0.1314% | 1,059 |
| Credit loss provision to net charge-offs | 133.3333% | 2,213 |
| Earnings coverage of net charge-offs (x) | 13.3333% | 2,001 |
| Efficiency ratio | 80.4114% | 862 |
| Assets per employee ($millions) | 2.7943% | 4,908 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1231% | 2,911 |
| Loan loss allowance to noncurrent loans | 43.2346% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 1.5257% | 608 |
| Noncurrent loans to loans | 2.5976% | 437 |
| Net loans and leases to total assets | 56.7136% | 3,630 |
| Net loans and leases to deposits | 67.3147% | 3,617 |
| Net loans and leases to core deposits | 71.1956% | 3,634 |
| Total domestic deposits to total assets | 84.2515% | 2,661 |
| Equity capital to assets | 12.3643% | 1,446 |
| Core capital (leverage) ratio | 11.5368% | 1,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,792,667 | 4,282 |
| Average earning assets | $70,774,000 | 4,296 |
| Average equity | $9,812,333 | 4,239 |
| Average total loans | $45,646,667 | 4,226 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0042% | 959 |
| Cost of funding earning assets | 0.4898% | 3,987 |
| Net interest margin | 4.5144% | 487 |
| Noninterest income to average assets | 0.8720% | 1,126 |
| Noninterest expense to average assets | 4.3919% | 334 |
| Loan and lease loss provision to assets | 0.0267% | 3,456 |
| Net operating income to assets | 0.5456% | 3,759 |
| Return on assets (ROA) | 0.5456% | 3,820 |
| Pretax return on assets | 0.5456% | 4,043 |
| Return on Equity (ROE) | 4.2785% | 3,877 |
| Retained earnings to average equity (ytd only) | 4.2785% | 2,580 |
| Net charge-offs to loans | 0.0090% | 2,238 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 107.0000% | 549 |
| Efficiency ratio | 88.4698% | 561 |
| Assets per employee ($millions) | 2.5145% | 4,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 2,700 |
| Loan loss allowance to noncurrent loans | 41.8168% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 1.7459% | 545 |
| Noncurrent loans to loans | 2.8554% | 388 |
| Net loans and leases to total assets | 58.5797% | 3,630 |
| Net loans and leases to deposits | 70.1057% | 3,584 |
| Net loans and leases to core deposits | 74.6486% | 3,595 |
| Total domestic deposits to total assets | 83.5591% | 2,929 |
| Equity capital to assets | 12.4612% | 1,757 |
| Core capital (leverage) ratio | 12.5028% | 1,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,774,000 | 4,327 |
| Average earning assets | $67,782,500 | 4,354 |
| Average equity | $9,536,000 | 4,287 |
| Average total loans | $44,428,500 | 4,267 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0299% | 1,396 |
| Cost of funding earning assets | 0.5386% | 3,929 |
| Net interest margin | 4.4913% | 727 |
| Noninterest income to average assets | 0.9303% | 1,114 |
| Noninterest expense to average assets | 4.2215% | 417 |
| Loan and lease loss provision to assets | 0.1296% | 1,654 |
| Net operating income to assets | 0.6531% | 4,007 |
| Return on assets (ROA) | 0.6608% | 4,056 |
| Pretax return on assets | 0.6608% | 4,302 |
| Return on Equity (ROE) | 5.4480% | 4,085 |
| Retained earnings to average equity (ytd only) | 1.2285% | 4,302 |
| Net charge-offs to loans | 0.2077% | 993 |
| Credit loss provision to net charge-offs | 105.2632% | 2,353 |
| Earnings coverage of net charge-offs (x) | 6.3579% | 2,982 |
| Efficiency ratio | 84.3604% | 635 |
| Assets per employee ($millions) | 2.4705% | 5,005 |
| Cash dividends to net income (ytd only)* | 77.4510% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 2,434 |
| Loan loss allowance to noncurrent loans | 44.4258% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 1.6812% | 554 |
| Noncurrent loans to loans | 2.7031% | 385 |
| Net loans and leases to total assets | 58.8337% | 3,685 |
| Net loans and leases to deposits | 71.1437% | 3,578 |
| Net loans and leases to core deposits | 74.2651% | 3,698 |
| Total domestic deposits to total assets | 82.6969% | 3,306 |
| Equity capital to assets | 13.0502% | 1,486 |
| Core capital (leverage) ratio | 12.5447% | 1,465 |
| Tier 1 risk-based capital ratio | 20.7428% | 1,214 |
| Total risk-based capital ratio | 21.9088% | 1,191 |
| Memoranda: | ||
| Average total assets | $77,176,000 | 4,333 |
| Average earning assets | $70,002,000 | 4,344 |
| Average equity | $9,361,200 | 4,325 |
| Average total loans | $45,743,600 | 4,267 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9959% | 1,555 |
| Cost of funding earning assets | 0.5555% | 3,894 |
| Net interest margin | 4.4404% | 869 |
| Noninterest income to average assets | 0.8981% | 1,148 |
| Noninterest expense to average assets | 4.1723% | 428 |
| Loan and lease loss provision to assets | 0.1540% | 1,216 |
| Net operating income to assets | 0.6056% | 4,282 |
| Return on assets (ROA) | 0.6158% | 4,302 |
| Pretax return on assets | 0.6158% | 4,513 |
| Return on Equity (ROE) | 5.1704% | 4,283 |
| Retained earnings to average equity (ytd only) | 1.2926% | 4,493 |
| Net charge-offs to loans | 0.1936% | 893 |
| Credit loss provision to net charge-offs | 134.3284% | 1,780 |
| Earnings coverage of net charge-offs (x) | 6.6270% | 2,818 |
| Efficiency ratio | 84.5994% | 574 |
| Assets per employee ($millions) | 2.6102% | 5,046 |
| Cash dividends to net income (ytd only)* | 74.9995% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2065% | 2,475 |
| Loan loss allowance to noncurrent loans | 41.4210% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 1.7597% | 566 |
| Noncurrent loans to loans | 2.9127% | 348 |
| Net loans and leases to total assets | 59.2819% | 3,742 |
| Net loans and leases to deposits | 72.2085% | 3,602 |
| Net loans and leases to core deposits | 75.0013% | 3,765 |
| Total domestic deposits to total assets | 82.0981% | 3,451 |
| Equity capital to assets | 12.7127% | 1,779 |
| Core capital (leverage) ratio | 12.1865% | 1,742 |
| Tier 1 risk-based capital ratio | 19.8602% | 1,382 |
| Total risk-based capital ratio | 21.0176% | 1,371 |
| Memoranda: | ||
| Average total assets | $77,941,500 | 4,374 |
| Average earning assets | $70,802,500 | 4,386 |
| Average equity | $9,283,500 | 4,380 |
| Average total loans | $46,146,000 | 4,310 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9603% | 1,585 |
| Cost of funding earning assets | 0.5691% | 3,798 |
| Net interest margin | 4.3911% | 958 |
| Noninterest income to average assets | 0.8870% | 1,101 |
| Noninterest expense to average assets | 4.1250% | 455 |
| Loan and lease loss provision to assets | 0.1652% | 1,102 |
| Net operating income to assets | 0.5973% | 4,310 |
| Return on assets (ROA) | 0.5922% | 4,363 |
| Pretax return on assets | 0.5922% | 4,558 |
| Return on Equity (ROE) | 5.0816% | 4,326 |
| Retained earnings to average equity (ytd only) | 1.1559% | 4,391 |
| Net charge-offs to loans | 0.1983% | 834 |
| Credit loss provision to net charge-offs | 141.3043% | 1,556 |
| Earnings coverage of net charge-offs (x) | 6.5217% | 2,561 |
| Efficiency ratio | 84.3994% | 629 |
| Assets per employee ($millions) | 2.7426% | 5,042 |
| Cash dividends to net income (ytd only)* | 77.2532% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1807% | 2,623 |
| Loan loss allowance to noncurrent loans | 53.4381% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 1.2912% | 988 |
| Noncurrent loans to loans | 2.2095% | 610 |
| Net loans and leases to total assets | 57.2445% | 3,985 |
| Net loans and leases to deposits | 68.6530% | 3,931 |
| Net loans and leases to core deposits | 74.0662% | 3,888 |
| Total domestic deposits to total assets | 83.3824% | 3,082 |
| Equity capital to assets | 11.9053% | 2,263 |
| Core capital (leverage) ratio | 11.9678% | 1,846 |
| Tier 1 risk-based capital ratio | 19.8862% | 1,371 |
| Total risk-based capital ratio | 21.0412% | 1,360 |
| Memoranda: | ||
| Average total assets | $78,690,000 | 4,397 |
| Average earning assets | $71,689,670 | 4,407 |
| Average equity | $9,170,330 | 4,414 |
| Average total loans | $46,387,330 | 4,330 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9806% | 1,381 |
| Cost of funding earning assets | 0.5833% | 3,662 |
| Net interest margin | 4.3973% | 915 |
| Noninterest income to average assets | 0.8739% | 1,104 |
| Noninterest expense to average assets | 4.1192% | 449 |
| Loan and lease loss provision to assets | 0.2555% | 562 |
| Net operating income to assets | 0.5060% | 4,508 |
| Return on assets (ROA) | 0.5162% | 4,496 |
| Pretax return on assets | 0.5162% | 4,648 |
| Return on Equity (ROE) | 4.4784% | 4,475 |
| Retained earnings to average equity (ytd only) | 0.4878% | 4,435 |
| Net charge-offs to loans | 0.4039% | 384 |
| Credit loss provision to net charge-offs | 106.3830% | 1,522 |
| Earnings coverage of net charge-offs (x) | 3.1702% | 2,424 |
| Efficiency ratio | 84.3979% | 683 |
| Assets per employee ($millions) | 2.6918% | 5,117 |
| Cash dividends to net income (ytd only)* | 89.1089% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 2,971 |
| Loan loss allowance to noncurrent loans | 51.2621% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 1.5193% | 779 |
| Noncurrent loans to loans | 2.2041% | 643 |
| Net loans and leases to total assets | 59.1883% | 3,771 |
| Net loans and leases to deposits | 71.1144% | 3,679 |
| Net loans and leases to core deposits | 76.8155% | 3,608 |
| Total domestic deposits to total assets | 83.2298% | 3,305 |
| Equity capital to assets | 11.7728% | 2,175 |
| Core capital (leverage) ratio | 11.8780% | 1,848 |
| Tier 1 risk-based capital ratio | 19.7075% | 1,397 |
| Total risk-based capital ratio | 20.8235% | 1,400 |
| Memoranda: | ||
| Average total assets | $78,267,000 | 4,452 |
| Average earning assets | $71,316,000 | 4,460 |
| Average equity | $9,021,000 | 4,465 |
| Average total loans | $46,544,000 | 4,373 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9857% | 1,075 |
| Cost of funding earning assets | 0.5948% | 2,764 |
| Net interest margin | 4.3909% | 956 |
| Noninterest income to average assets | 0.9318% | 1,101 |
| Noninterest expense to average assets | 4.3537% | 347 |
| Loan and lease loss provision to assets | 0.0764% | 2,601 |
| Net operating income to assets | 0.5143% | 4,632 |
| Return on assets (ROA) | 0.5016% | 4,661 |
| Pretax return on assets | 0.5016% | 4,793 |
| Return on Equity (ROE) | 4.5152% | 4,585 |
| Retained earnings to average equity (ytd only) | 1.4210% | 4,567 |
| Net charge-offs to loans | 0.0197% | 3,039 |
| Credit loss provision to net charge-offs | 666.6667% | 520 |
| Earnings coverage of net charge-offs (x) | 51.5556% | 1,115 |
| Efficiency ratio | 88.0536% | 431 |
| Assets per employee ($millions) | 2.5314% | 5,197 |
| Cash dividends to net income (ytd only)* | 68.5279% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 2,915 |
| Loan loss allowance to noncurrent loans | 48.6111% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 1.5942% | 710 |
| Noncurrent loans to loans | 2.3297% | 540 |
| Net loans and leases to total assets | 58.4048% | 3,921 |
| Net loans and leases to deposits | 70.9825% | 3,751 |
| Net loans and leases to core deposits | 76.6793% | 3,669 |
| Total domestic deposits to total assets | 82.2805% | 3,560 |
| Equity capital to assets | 11.2803% | 2,434 |
| Core capital (leverage) ratio | 11.8750% | 1,817 |
| Tier 1 risk-based capital ratio | 19.8001% | 1,339 |
| Total risk-based capital ratio | 20.9164% | 1,338 |
| Memoranda: | ||
| Average total assets | $78,553,600 | 4,449 |
| Average earning assets | $71,785,400 | 4,461 |
| Average equity | $8,726,000 | 4,494 |
| Average total loans | $45,720,800 | 4,411 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9555% | 1,032 |
| Cost of funding earning assets | 0.5981% | 2,486 |
| Net interest margin | 4.3574% | 994 |
| Noninterest income to average assets | 0.9350% | 1,094 |
| Noninterest expense to average assets | 4.3830% | 327 |
| Loan and lease loss provision to assets | 0.0849% | 2,271 |
| Net operating income to assets | 0.4480% | 4,857 |
| Return on assets (ROA) | 0.4276% | 4,909 |
| Pretax return on assets | 0.4276% | 5,004 |
| Return on Equity (ROE) | 3.8644% | 4,849 |
| Retained earnings to average equity (ytd only) | -0.2760% | 5,071 |
| Net charge-offs to loans | -0.1288% | 5,216 |
| Credit loss provision to net charge-offs | -113.6364% | 4,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1612% | 358 |
| Assets per employee ($millions) | 2.6046% | 5,258 |
| Cash dividends to net income (ytd only)* | 107.1431% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 2,421 |
| Loan loss allowance to noncurrent loans | 44.7244% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 1.6253% | 767 |
| Noncurrent loans to loans | 2.7663% | 433 |
| Net loans and leases to total assets | 58.0261% | 4,039 |
| Net loans and leases to deposits | 69.4934% | 3,958 |
| Net loans and leases to core deposits | 73.4600% | 3,983 |
| Total domestic deposits to total assets | 83.4986% | 3,122 |
| Equity capital to assets | 10.7885% | 2,855 |
| Core capital (leverage) ratio | 11.6090% | 2,079 |
| Tier 1 risk-based capital ratio | 19.3993% | 1,451 |
| Total risk-based capital ratio | 20.6007% | 1,431 |
| Memoranda: | ||
| Average total assets | $78,573,750 | 4,498 |
| Average earning assets | $71,784,000 | 4,505 |
| Average equity | $8,694,500 | 4,544 |
| Average total loans | $45,561,750 | 4,467 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9453% | 930 |
| Cost of funding earning assets | 0.5538% | 2,581 |
| Net interest margin | 4.3915% | 866 |
| Noninterest income to average assets | 0.9502% | 1,052 |
| Noninterest expense to average assets | 4.3776% | 331 |
| Loan and lease loss provision to assets | 0.2160% | 767 |
| Net operating income to assets | 0.3659% | 5,026 |
| Return on assets (ROA) | 0.3354% | 5,066 |
| Pretax return on assets | 0.3354% | 5,123 |
| Return on Equity (ROE) | 3.0059% | 5,027 |
| Retained earnings to average equity (ytd only) | -1.0931% | 5,078 |
| Net charge-offs to loans | -0.0616% | 4,987 |
| Credit loss provision to net charge-offs | -607.1429% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2684% | 450 |
| Assets per employee ($millions) | 2.6334% | 5,295 |
| Cash dividends to net income (ytd only)* | 136.3636% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 2,304 |
| Loan loss allowance to noncurrent loans | 100.8803% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.7696% | 1,940 |
| Noncurrent loans to loans | 1.2616% | 1,358 |
| Net loans and leases to total assets | 56.2638% | 4,140 |
| Net loans and leases to deposits | 69.9786% | 3,860 |
| Net loans and leases to core deposits | 70.5573% | 4,114 |
| Total domestic deposits to total assets | 80.4015% | 4,154 |
| Equity capital to assets | 10.8366% | 2,796 |
| Core capital (leverage) ratio | 11.5998% | 1,982 |
| Tier 1 risk-based capital ratio | 19.8063% | 1,359 |
| Total risk-based capital ratio | 21.0481% | 1,330 |
| Memoranda: | ||
| Average total assets | $78,718,670 | 4,542 |
| Average earning assets | $71,866,000 | 4,551 |
| Average equity | $8,782,670 | 4,566 |
| Average total loans | $45,446,000 | 4,508 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9134% | 848 |
| Cost of funding earning assets | 0.5503% | 2,404 |
| Net interest margin | 4.3631% | 831 |
| Noninterest income to average assets | 0.9519% | 1,016 |
| Noninterest expense to average assets | 3.8739% | 609 |
| Loan and lease loss provision to assets | 0.3563% | 338 |
| Net operating income to assets | 0.7178% | 4,040 |
| Return on assets (ROA) | 0.6567% | 4,264 |
| Pretax return on assets | 0.6567% | 4,553 |
| Return on Equity (ROE) | 5.8020% | 4,225 |
| Retained earnings to average equity (ytd only) | 5.8020% | 2,810 |
| Net charge-offs to loans | 0.2541% | 605 |
| Credit loss provision to net charge-offs | 241.3793% | 932 |
| Earnings coverage of net charge-offs (x) | 7.2759% | 2,103 |
| Efficiency ratio | 78.2922% | 1,326 |
| Assets per employee ($millions) | 2.5308% | 5,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 3,207 |
| Loan loss allowance to noncurrent loans | 83.3333% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 0.7877% | 2,003 |
| Noncurrent loans to loans | 1.3563% | 1,318 |
| Net loans and leases to total assets | 57.4194% | 4,001 |
| Net loans and leases to deposits | 72.3923% | 3,569 |
| Net loans and leases to core deposits | 73.3005% | 3,866 |
| Total domestic deposits to total assets | 79.3171% | 4,526 |
| Equity capital to assets | 11.2025% | 2,383 |
| Core capital (leverage) ratio | 11.7703% | 1,799 |
| Tier 1 risk-based capital ratio | 20.0763% | 1,330 |
| Total risk-based capital ratio | 21.1860% | 1,328 |
| Memoranda: | ||
| Average total assets | $78,577,500 | 4,595 |
| Average earning assets | $71,966,500 | 4,596 |
| Average equity | $8,893,500 | 4,597 |
| Average total loans | $45,658,000 | 4,548 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9528% | 707 |
| Cost of funding earning assets | 0.6646% | 1,221 |
| Net interest margin | 4.2882% | 986 |
| Noninterest income to average assets | 0.9366% | 1,171 |
| Noninterest expense to average assets | 4.3241% | 365 |
| Loan and lease loss provision to assets | 0.0827% | 2,548 |
| Net operating income to assets | 0.4301% | 4,587 |
| Return on assets (ROA) | 0.4619% | 4,518 |
| Pretax return on assets | 0.4619% | 4,991 |
| Return on Equity (ROE) | 4.0396% | 4,489 |
| Retained earnings to average equity (ytd only) | 1.8139% | 4,232 |
| Net charge-offs to loans | 0.6288% | 356 |
| Credit loss provision to net charge-offs | 22.4913% | 3,595 |
| Earnings coverage of net charge-offs (x) | 1.3945% | 3,892 |
| Efficiency ratio | 89.3975% | 455 |
| Assets per employee ($millions) | 2.9148% | 5,257 |
| Cash dividends to net income (ytd only)* | 55.0964% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 3,706 |
| Loan loss allowance to noncurrent loans | 71.7095% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 0.8399% | 1,857 |
| Noncurrent loans to loans | 1.4447% | 1,185 |
| Net loans and leases to total assets | 57.5331% | 4,057 |
| Net loans and leases to deposits | 71.9784% | 3,705 |
| Net loans and leases to core deposits | 72.8809% | 3,979 |
| Total domestic deposits to total assets | 79.9311% | 4,344 |
| Equity capital to assets | 11.4334% | 2,250 |
| Core capital (leverage) ratio | 11.7064% | 1,793 |
| Tier 1 risk-based capital ratio | 20.2334% | 1,274 |
| Total risk-based capital ratio | 21.2773% | 1,278 |
| Memoranda: | ||
| Average total assets | $78,582,200 | 4,618 |
| Average earning assets | $71,475,200 | 4,638 |
| Average equity | $8,986,000 | 4,614 |
| Average total loans | $45,957,400 | 4,571 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9499% | 677 |
| Cost of funding earning assets | 0.6775% | 1,085 |
| Net interest margin | 4.2725% | 990 |
| Noninterest income to average assets | 0.9301% | 1,189 |
| Noninterest expense to average assets | 4.3401% | 358 |
| Loan and lease loss provision to assets | 0.0306% | 3,510 |
| Net operating income to assets | 0.4345% | 4,919 |
| Return on assets (ROA) | 0.4736% | 4,854 |
| Pretax return on assets | 0.4736% | 5,079 |
| Return on Equity (ROE) | 4.1410% | 4,813 |
| Retained earnings to average equity (ytd only) | 2.5084% | 4,390 |
| Net charge-offs to loans | 0.6346% | 314 |
| Credit loss provision to net charge-offs | 8.2192% | 3,237 |
| Earnings coverage of net charge-offs (x) | 1.2511% | 3,585 |
| Efficiency ratio | 90.3214% | 400 |
| Assets per employee ($millions) | 2.4532% | 5,535 |
| Cash dividends to net income (ytd only)* | 39.4258% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 3,418 |
| Loan loss allowance to noncurrent loans | 67.8035% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 0.9337% | 1,829 |
| Noncurrent loans to loans | 1.6427% | 1,122 |
| Net loans and leases to total assets | 56.2082% | 4,217 |
| Net loans and leases to deposits | 70.8990% | 3,884 |
| Net loans and leases to core deposits | 71.8071% | 4,148 |
| Total domestic deposits to total assets | 79.2792% | 4,482 |
| Equity capital to assets | 11.7413% | 2,160 |
| Core capital (leverage) ratio | 11.7394% | 1,856 |
| Tier 1 risk-based capital ratio | 20.2770% | 1,311 |
| Total risk-based capital ratio | 21.3730% | 1,308 |
| Memoranda: | ||
| Average total assets | $78,553,000 | 4,663 |
| Average earning assets | $71,245,000 | 4,686 |
| Average equity | $8,983,000 | 4,661 |
| Average total loans | $46,008,750 | 4,610 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9792% | 580 |
| Cost of funding earning assets | 0.6824% | 977 |
| Net interest margin | 4.2968% | 873 |
| Noninterest income to average assets | 0.9367% | 1,163 |
| Noninterest expense to average assets | 4.3299% | 357 |
| Loan and lease loss provision to assets | 0.0204% | 3,571 |
| Net operating income to assets | 0.4811% | 4,755 |
| Return on assets (ROA) | 0.4964% | 4,750 |
| Pretax return on assets | 0.4964% | 5,008 |
| Return on Equity (ROE) | 4.3796% | 4,702 |
| Retained earnings to average equity (ytd only) | 1.9090% | 4,488 |
| Net charge-offs to loans | 0.2410% | 849 |
| Credit loss provision to net charge-offs | 14.2857% | 2,825 |
| Earnings coverage of net charge-offs (x) | 3.5179% | 3,036 |
| Efficiency ratio | 89.6207% | 473 |
| Assets per employee ($millions) | 2.4869% | 5,560 |
| Cash dividends to net income (ytd only)* | 56.4103% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4302% | 1,815 |
| Loan loss allowance to noncurrent loans | 80.0493% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 1.0342% | 1,696 |
| Noncurrent loans to loans | 1.7867% | 1,014 |
| Net loans and leases to total assets | 56.2911% | 4,198 |
| Net loans and leases to deposits | 70.8780% | 3,836 |
| Net loans and leases to core deposits | 71.7809% | 4,107 |
| Total domestic deposits to total assets | 79.4197% | 4,527 |
| Equity capital to assets | 11.5631% | 2,259 |
| Core capital (leverage) ratio | 11.4699% | 1,993 |
| Tier 1 risk-based capital ratio | 19.8553% | 1,392 |
| Total risk-based capital ratio | 21.1061% | 1,364 |
| Memoranda: | ||
| Average total assets | $78,570,330 | 4,691 |
| Average earning assets | $71,216,330 | 4,722 |
| Average equity | $8,905,000 | 4,694 |
| Average total loans | $46,471,330 | 4,619 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8688% | 664 |
| Cost of funding earning assets | 0.6762% | 948 |
| Net interest margin | 4.1926% | 1,007 |
| Noninterest income to average assets | 0.9223% | 1,180 |
| Noninterest expense to average assets | 4.2682% | 400 |
| Loan and lease loss provision to assets | 0.0922% | 2,000 |
| Net operating income to assets | 0.3740% | 5,013 |
| Return on assets (ROA) | 0.3894% | 5,002 |
| Pretax return on assets | 0.3894% | 5,178 |
| Return on Equity (ROE) | 3.4717% | 4,969 |
| Retained earnings to average equity (ytd only) | 3.4717% | 3,700 |
| Net charge-offs to loans | 0.3150% | 587 |
| Credit loss provision to net charge-offs | 48.6486% | 1,995 |
| Earnings coverage of net charge-offs (x) | 2.4595% | 2,587 |
| Efficiency ratio | 90.1515% | 550 |
| Assets per employee ($millions) | 2.5263% | 5,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4561% | 1,846 |
| Loan loss allowance to noncurrent loans | 39.2259% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 2.2103% | 567 |
| Noncurrent loans to loans | 3.7120% | 308 |
| Net loans and leases to total assets | 58.6779% | 3,917 |
| Net loans and leases to deposits | 73.9448% | 3,409 |
| Net loans and leases to core deposits | 74.9128% | 3,747 |
| Total domestic deposits to total assets | 79.3536% | 4,756 |
| Equity capital to assets | 11.3530% | 2,304 |
| Core capital (leverage) ratio | 11.5943% | 1,883 |
| Tier 1 risk-based capital ratio | 18.4203% | 1,762 |
| Total risk-based capital ratio | 19.6709% | 1,717 |
| Memoranda: | ||
| Average total assets | $78,065,000 | 4,750 |
| Average earning assets | $70,983,000 | 4,764 |
| Average equity | $8,756,500 | 4,759 |
| Average total loans | $46,983,500 | 4,648 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9710% | 630 |
| Cost of funding earning assets | 0.6634% | 985 |
| Net interest margin | 4.3075% | 919 |
| Noninterest income to average assets | 0.9566% | 1,246 |
| Noninterest expense to average assets | 4.4175% | 407 |
| Loan and lease loss provision to assets | 0.0613% | 3,142 |
| Net operating income to assets | 0.4035% | 4,932 |
| Return on assets (ROA) | 0.4538% | 4,864 |
| Pretax return on assets | 0.4538% | 5,112 |
| Return on Equity (ROE) | 4.0440% | 4,817 |
| Retained earnings to average equity (ytd only) | 1.2023% | 4,808 |
| Net charge-offs to loans | 0.1985% | 1,393 |
| Credit loss provision to net charge-offs | 52.6316% | 3,346 |
| Earnings coverage of net charge-offs (x) | 3.9895% | 3,581 |
| Efficiency ratio | 90.4798% | 528 |
| Assets per employee ($millions) | 2.3581% | 5,718 |
| Cash dividends to net income (ytd only)* | 70.2703% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4746% | 1,780 |
| Loan loss allowance to noncurrent loans | 49.7505% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 1.8030% | 816 |
| Noncurrent loans to loans | 2.9640% | 468 |
| Net loans and leases to total assets | 59.9324% | 3,863 |
| Net loans and leases to deposits | 74.8215% | 3,436 |
| Net loans and leases to core deposits | 75.4473% | 3,798 |
| Total domestic deposits to total assets | 80.1005% | 4,554 |
| Equity capital to assets | 11.0800% | 2,562 |
| Core capital (leverage) ratio | 11.2745% | 2,107 |
| Tier 1 risk-based capital ratio | 18.2883% | 1,778 |
| Total risk-based capital ratio | 19.5405% | 1,743 |
| Memoranda: | ||
| Average total assets | $81,539,000 | 4,705 |
| Average earning assets | $74,311,600 | 4,715 |
| Average equity | $9,149,400 | 4,728 |
| Average total loans | $47,849,800 | 4,638 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9193% | 700 |
| Cost of funding earning assets | 0.6579% | 1,015 |
| Net interest margin | 4.2614% | 1,003 |
| Noninterest income to average assets | 0.9345% | 1,300 |
| Noninterest expense to average assets | 4.4621% | 399 |
| Loan and lease loss provision to assets | 0.0162% | 3,922 |
| Net operating income to assets | 0.3411% | 5,182 |
| Return on assets (ROA) | 0.3945% | 5,130 |
| Pretax return on assets | 0.3945% | 5,316 |
| Return on Equity (ROE) | 3.5052% | 5,079 |
| Retained earnings to average equity (ytd only) | 0.8475% | 5,127 |
| Net charge-offs to loans | 0.1139% | 1,810 |
| Credit loss provision to net charge-offs | 24.3902% | 3,263 |
| Earnings coverage of net charge-offs (x) | 5.3898% | 3,141 |
| Efficiency ratio | 92.5864% | 441 |
| Assets per employee ($millions) | 2.4961% | 5,722 |
| Cash dividends to net income (ytd only)* | 75.8184% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 1,803 |
| Loan loss allowance to noncurrent loans | 58.4085% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 1.5977% | 1,092 |
| Noncurrent loans to loans | 2.5484% | 679 |
| Net loans and leases to total assets | 57.2077% | 4,175 |
| Net loans and leases to deposits | 71.6761% | 3,834 |
| Net loans and leases to core deposits | 72.2431% | 4,141 |
| Total domestic deposits to total assets | 79.8143% | 4,556 |
| Equity capital to assets | 11.4289% | 2,575 |
| Core capital (leverage) ratio | 10.8709% | 2,602 |
| Tier 1 risk-based capital ratio | 17.9342% | 1,945 |
| Total risk-based capital ratio | 19.1831% | 1,907 |
| Memoranda: | ||
| Average total assets | $82,469,750 | 4,718 |
| Average earning assets | $75,185,000 | 4,737 |
| Average equity | $9,281,250 | 4,747 |
| Average total loans | $47,978,500 | 4,670 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9154% | 696 |
| Cost of funding earning assets | 0.6577% | 1,013 |
| Net interest margin | 4.2577% | 1,003 |
| Noninterest income to average assets | 0.9357% | 1,273 |
| Noninterest expense to average assets | 4.4459% | 404 |
| Loan and lease loss provision to assets | 0.0242% | 3,643 |
| Net operating income to assets | 0.3418% | 5,202 |
| Return on assets (ROA) | 0.4218% | 5,055 |
| Pretax return on assets | 0.4218% | 5,301 |
| Return on Equity (ROE) | 3.7675% | 4,993 |
| Retained earnings to average equity (ytd only) | 0.9527% | 5,013 |
| Net charge-offs to loans | 0.1749% | 1,293 |
| Credit loss provision to net charge-offs | 23.8095% | 2,907 |
| Earnings coverage of net charge-offs (x) | 3.5952% | 3,086 |
| Efficiency ratio | 92.3929% | 481 |
| Assets per employee ($millions) | 2.5055% | 5,781 |
| Cash dividends to net income (ytd only)* | 74.7126% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4874% | 1,908 |
| Loan loss allowance to noncurrent loans | 52.1643% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 1.8529% | 913 |
| Noncurrent loans to loans | 2.8515% | 540 |
| Net loans and leases to total assets | 56.9512% | 4,212 |
| Net loans and leases to deposits | 71.3189% | 3,856 |
| Net loans and leases to core deposits | 71.8806% | 4,191 |
| Total domestic deposits to total assets | 79.8544% | 4,579 |
| Equity capital to assets | 11.3107% | 2,732 |
| Core capital (leverage) ratio | 10.8663% | 2,573 |
| Tier 1 risk-based capital ratio | 17.3314% | 2,124 |
| Total risk-based capital ratio | 18.5810% | 2,086 |
| Memoranda: | ||
| Average total assets | $82,503,000 | 4,757 |
| Average earning assets | $75,110,330 | 4,780 |
| Average equity | $9,237,000 | 4,793 |
| Average total loans | $48,026,670 | 4,713 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9590% | 625 |
| Cost of funding earning assets | 0.6580% | 1,008 |
| Net interest margin | 4.3010% | 928 |
| Noninterest income to average assets | 0.9756% | 1,135 |
| Noninterest expense to average assets | 4.4410% | 411 |
| Loan and lease loss provision to assets | 0.0485% | 2,953 |
| Net operating income to assets | 0.3883% | 5,031 |
| Return on assets (ROA) | 0.4562% | 4,888 |
| Pretax return on assets | 0.4562% | 5,200 |
| Return on Equity (ROE) | 4.0961% | 4,860 |
| Retained earnings to average equity (ytd only) | 4.0961% | 3,444 |
| Net charge-offs to loans | 0.2160% | 940 |
| Credit loss provision to net charge-offs | 38.4615% | 2,156 |
| Earnings coverage of net charge-offs (x) | 3.4615% | 2,544 |
| Efficiency ratio | 91.0448% | 610 |
| Assets per employee ($millions) | 2.5070% | 5,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5690% | 1,718 |
| Loan loss allowance to noncurrent loans | 53.8918% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 1.8578% | 984 |
| Noncurrent loans to loans | 2.9115% | 575 |
| Net loans and leases to total assets | 55.1262% | 4,345 |
| Net loans and leases to deposits | 69.0764% | 3,948 |
| Net loans and leases to core deposits | 69.6194% | 4,266 |
| Total domestic deposits to total assets | 79.8047% | 4,790 |
| Equity capital to assets | 11.2097% | 2,720 |
| Core capital (leverage) ratio | 10.9426% | 2,452 |
| Tier 1 risk-based capital ratio | 17.5763% | 2,099 |
| Total risk-based capital ratio | 18.8285% | 2,071 |
| Memoranda: | ||
| Average total assets | $82,413,000 | 4,802 |
| Average earning assets | $74,773,000 | 4,830 |
| Average equity | $9,179,500 | 4,820 |
| Average total loans | $48,140,000 | 4,734 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9990% | 630 |
| Cost of funding earning assets | 0.6810% | 905 |
| Net interest margin | 4.3181% | 931 |
| Noninterest income to average assets | 0.9666% | 1,272 |
| Noninterest expense to average assets | 4.1534% | 566 |
| Loan and lease loss provision to assets | 0.0905% | 2,492 |
| Net operating income to assets | 0.6631% | 3,984 |
| Return on assets (ROA) | 0.6702% | 4,039 |
| Pretax return on assets | 0.6702% | 4,615 |
| Return on Equity (ROE) | 6.2500% | 3,926 |
| Retained earnings to average equity (ytd only) | 2.2536% | 4,437 |
| Net charge-offs to loans | 0.3687% | 787 |
| Credit loss provision to net charge-offs | 41.0811% | 3,517 |
| Earnings coverage of net charge-offs (x) | 3.4216% | 3,728 |
| Efficiency ratio | 84.6434% | 1,126 |
| Assets per employee ($millions) | 2.4877% | 5,896 |
| Cash dividends to net income (ytd only)* | 63.9432% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4876% | 2,067 |
| Loan loss allowance to noncurrent loans | 41.3467% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 2.2681% | 735 |
| Noncurrent loans to loans | 3.5979% | 373 |
| Net loans and leases to total assets | 59.9350% | 3,847 |
| Net loans and leases to deposits | 75.1386% | 3,368 |
| Net loans and leases to core deposits | 76.3524% | 3,724 |
| Total domestic deposits to total assets | 79.7659% | 4,808 |
| Equity capital to assets | 11.0666% | 2,757 |
| Core capital (leverage) ratio | 10.7725% | 2,628 |
| Tier 1 risk-based capital ratio | 16.4839% | 2,492 |
| Total risk-based capital ratio | 17.7356% | 2,450 |
| Memoranda: | ||
| Average total assets | $84,004,000 | 4,791 |
| Average earning assets | $76,654,800 | 4,794 |
| Average equity | $9,008,000 | 4,848 |
| Average total loans | $50,178,000 | 4,663 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9585% | 676 |
| Cost of funding earning assets | 0.6785% | 937 |
| Net interest margin | 4.2800% | 998 |
| Noninterest income to average assets | 0.9027% | 1,442 |
| Noninterest expense to average assets | 4.0671% | 617 |
| Loan and lease loss provision to assets | 0.0868% | 2,426 |
| Net operating income to assets | 0.6613% | 4,074 |
| Return on assets (ROA) | 0.6707% | 4,140 |
| Pretax return on assets | 0.6707% | 4,775 |
| Return on Equity (ROE) | 6.3040% | 4,003 |
| Retained earnings to average equity (ytd only) | 2.2991% | 4,738 |
| Net charge-offs to loans | 0.3848% | 672 |
| Credit loss provision to net charge-offs | 37.9310% | 3,188 |
| Earnings coverage of net charge-offs (x) | 3.2689% | 3,530 |
| Efficiency ratio | 84.4641% | 1,124 |
| Assets per employee ($millions) | 2.5230% | 5,953 |
| Cash dividends to net income (ytd only)* | 63.5295% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4890% | 2,203 |
| Loan loss allowance to noncurrent loans | 48.2584% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 2.0346% | 997 |
| Noncurrent loans to loans | 3.0854% | 560 |
| Net loans and leases to total assets | 60.5513% | 3,803 |
| Net loans and leases to deposits | 76.0786% | 3,296 |
| Net loans and leases to core deposits | 77.2916% | 3,670 |
| Total domestic deposits to total assets | 79.5904% | 4,837 |
| Equity capital to assets | 10.9212% | 3,106 |
| Core capital (leverage) ratio | 10.5432% | 2,997 |
| Tier 1 risk-based capital ratio | 16.3144% | 2,667 |
| Total risk-based capital ratio | 17.5672% | 2,612 |
| Memoranda: | ||
| Average total assets | $84,481,500 | 4,838 |
| Average earning assets | $77,226,000 | 4,838 |
| Average equity | $8,988,750 | 4,913 |
| Average total loans | $50,236,000 | 4,704 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0088% | 585 |
| Cost of funding earning assets | 0.6769% | 953 |
| Net interest margin | 4.3319% | 863 |
| Noninterest income to average assets | 0.8882% | 1,477 |
| Noninterest expense to average assets | 4.0806% | 617 |
| Loan and lease loss provision to assets | 0.1296% | 1,712 |
| Net operating income to assets | 0.6432% | 4,154 |
| Return on assets (ROA) | 0.6573% | 4,197 |
| Pretax return on assets | 0.6573% | 4,801 |
| Return on Equity (ROE) | 6.2319% | 4,027 |
| Retained earnings to average equity (ytd only) | 2.2113% | 4,609 |
| Net charge-offs to loans | 0.5128% | 484 |
| Credit loss provision to net charge-offs | 42.9688% | 2,779 |
| Earnings coverage of net charge-offs (x) | 2.5625% | 3,320 |
| Efficiency ratio | 84.0777% | 1,259 |
| Assets per employee ($millions) | 2.7155% | 5,900 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5414% | 2,107 |
| Loan loss allowance to noncurrent loans | 146.9811% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.7662% | 3,090 |
| Noncurrent loans to loans | 1.0487% | 2,545 |
| Net loans and leases to total assets | 59.1102% | 3,960 |
| Net loans and leases to deposits | 74.5990% | 3,424 |
| Net loans and leases to core deposits | 75.7782% | 3,792 |
| Total domestic deposits to total assets | 79.2373% | 5,041 |
| Equity capital to assets | 10.4977% | 3,442 |
| Core capital (leverage) ratio | 10.3375% | 3,165 |
| Tier 1 risk-based capital ratio | 18.3175% | 1,977 |
| Total risk-based capital ratio | 19.5730% | 1,939 |
| Memoranda: | ||
| Average total assets | $84,888,670 | 4,877 |
| Average earning assets | $77,702,670 | 4,878 |
| Average equity | $8,954,000 | 4,951 |
| Average total loans | $49,922,330 | 4,753 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9301% | 655 |
| Cost of funding earning assets | 0.6721% | 990 |
| Net interest margin | 4.2580% | 962 |
| Noninterest income to average assets | 0.8681% | 1,506 |
| Noninterest expense to average assets | 3.9276% | 742 |
| Loan and lease loss provision to assets | 0.2112% | 848 |
| Net operating income to assets | 0.6241% | 4,177 |
| Return on assets (ROA) | 0.6335% | 4,248 |
| Pretax return on assets | 0.6335% | 4,820 |
| Return on Equity (ROE) | 5.9917% | 4,042 |
| Retained earnings to average equity (ytd only) | 1.9972% | 4,676 |
| Net charge-offs to loans | 0.6853% | 351 |
| Credit loss provision to net charge-offs | 52.9412% | 2,073 |
| Earnings coverage of net charge-offs (x) | 2.0941% | 2,821 |
| Efficiency ratio | 82.4631% | 1,566 |
| Assets per employee ($millions) | 2.5938% | 6,049 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6249% | 1,957 |
| Loan loss allowance to noncurrent loans | 123.0303% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.8470% | 2,962 |
| Noncurrent loans to loans | 1.3208% | 2,178 |
| Net loans and leases to total assets | 57.4314% | 4,033 |
| Net loans and leases to deposits | 71.8730% | 3,543 |
| Net loans and leases to core deposits | 72.9795% | 3,874 |
| Total domestic deposits to total assets | 79.9068% | 5,070 |
| Equity capital to assets | 10.6348% | 3,387 |
| Core capital (leverage) ratio | 10.2214% | 3,316 |
| Tier 1 risk-based capital ratio | 16.6328% | 2,621 |
| Total risk-based capital ratio | 17.9014% | 2,568 |
| Memoranda: | ||
| Average total assets | $85,243,000 | 4,914 |
| Average earning assets | $77,970,000 | 4,917 |
| Average equity | $9,012,500 | 4,988 |
| Average total loans | $49,614,500 | 4,796 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1654% | 557 |
| Cost of funding earning assets | 0.7324% | 943 |
| Net interest margin | 4.4331% | 844 |
| Noninterest income to average assets | 1.1309% | 949 |
| Noninterest expense to average assets | 4.2596% | 572 |
| Loan and lease loss provision to assets | 0.0702% | 3,081 |
| Net operating income to assets | 0.8100% | 3,324 |
| Return on assets (ROA) | 0.8282% | 3,323 |
| Pretax return on assets | 0.8282% | 4,148 |
| Return on Equity (ROE) | 8.1278% | 3,062 |
| Retained earnings to average equity (ytd only) | 3.8500% | 3,479 |
| Net charge-offs to loans | 0.2789% | 1,554 |
| Credit loss provision to net charge-offs | 43.9394% | 3,605 |
| Earnings coverage of net charge-offs (x) | 5.5076% | 3,405 |
| Efficiency ratio | 82.8740% | 1,548 |
| Assets per employee ($millions) | 2.5724% | 6,125 |
| Cash dividends to net income (ytd only)* | 52.6316% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7297% | 1,702 |
| Loan loss allowance to noncurrent loans | 199.5316% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.5796% | 3,853 |
| Noncurrent loans to loans | 0.8669% | 3,150 |
| Net loans and leases to total assets | 57.0220% | 4,192 |
| Net loans and leases to deposits | 71.3669% | 3,752 |
| Net loans and leases to core deposits | 72.4728% | 4,076 |
| Total domestic deposits to total assets | 79.8999% | 5,050 |
| Equity capital to assets | 10.5101% | 3,465 |
| Core capital (leverage) ratio | 10.2605% | 3,233 |
| Tier 1 risk-based capital ratio | 16.4086% | 2,756 |
| Total risk-based capital ratio | 17.6385% | 2,709 |
| Memoranda: | ||
| Average total assets | $82,589,400 | 5,003 |
| Average earning assets | $74,688,600 | 5,024 |
| Average equity | $8,415,600 | 5,103 |
| Average total loans | $47,333,600 | 4,908 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1596% | 569 |
| Cost of funding earning assets | 0.7410% | 939 |
| Net interest margin | 4.4186% | 866 |
| Noninterest income to average assets | 1.1754% | 866 |
| Noninterest expense to average assets | 4.2740% | 574 |
| Loan and lease loss provision to assets | 0.0780% | 2,782 |
| Net operating income to assets | 0.8080% | 3,398 |
| Return on assets (ROA) | 0.8128% | 3,464 |
| Pretax return on assets | 0.8128% | 4,320 |
| Return on Equity (ROE) | 8.0426% | 3,180 |
| Retained earnings to average equity (ytd only) | 3.6996% | 4,006 |
| Net charge-offs to loans | 0.2903% | 1,357 |
| Credit loss provision to net charge-offs | 47.0588% | 3,153 |
| Earnings coverage of net charge-offs (x) | 5.3430% | 3,287 |
| Efficiency ratio | 82.8292% | 1,515 |
| Assets per employee ($millions) | 2.6163% | 6,142 |
| Cash dividends to net income (ytd only)* | 53.9998% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7641% | 1,780 |
| Loan loss allowance to noncurrent loans | 162.6866% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.7071% | 3,696 |
| Noncurrent loans to loans | 1.0844% | 2,903 |
| Net loans and leases to total assets | 58.0005% | 4,070 |
| Net loans and leases to deposits | 72.9614% | 3,570 |
| Net loans and leases to core deposits | 74.1129% | 3,930 |
| Total domestic deposits to total assets | 79.4947% | 5,225 |
| Equity capital to assets | 10.3631% | 3,723 |
| Core capital (leverage) ratio | 10.3187% | 3,271 |
| Tier 1 risk-based capital ratio | 16.1465% | 2,985 |
| Total risk-based capital ratio | 17.3942% | 2,941 |
| Memoranda: | ||
| Average total assets | $82,014,250 | 5,064 |
| Average earning assets | $73,957,500 | 5,099 |
| Average equity | $8,289,000 | 5,173 |
| Average total loans | $46,852,500 | 4,970 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0568% | 671 |
| Cost of funding earning assets | 0.7429% | 953 |
| Net interest margin | 4.3140% | 996 |
| Noninterest income to average assets | 1.2475% | 753 |
| Noninterest expense to average assets | 4.3563% | 525 |
| Loan and lease loss provision to assets | 0.0614% | 3,040 |
| Net operating income to assets | 0.7514% | 3,562 |
| Return on assets (ROA) | 0.7662% | 3,588 |
| Pretax return on assets | 0.7662% | 4,398 |
| Return on Equity (ROE) | 7.6471% | 3,291 |
| Retained earnings to average equity (ytd only) | 3.2353% | 4,146 |
| Net charge-offs to loans | 0.4044% | 1,008 |
| Credit loss provision to net charge-offs | 26.8817% | 3,095 |
| Earnings coverage of net charge-offs (x) | 3.5591% | 3,275 |
| Efficiency ratio | 84.2755% | 1,474 |
| Assets per employee ($millions) | 2.6762% | 6,149 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8466% | 1,712 |
| Loan loss allowance to noncurrent loans | 149.2174% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.7823% | 3,620 |
| Noncurrent loans to loans | 1.2375% | 2,753 |
| Net loans and leases to total assets | 54.9734% | 4,415 |
| Net loans and leases to deposits | 69.2421% | 3,915 |
| Net loans and leases to core deposits | 70.0751% | 4,262 |
| Total domestic deposits to total assets | 79.3930% | 5,364 |
| Equity capital to assets | 10.2577% | 3,753 |
| Core capital (leverage) ratio | 10.3186% | 3,186 |
| Tier 1 risk-based capital ratio | 16.5914% | 2,785 |
| Total risk-based capital ratio | 17.7733% | 2,785 |
| Memoranda: | ||
| Average total assets | $81,445,670 | 5,124 |
| Average earning assets | $74,038,330 | 5,137 |
| Average equity | $8,160,000 | 5,225 |
| Average total loans | $45,993,330 | 5,031 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0815% | 616 |
| Cost of funding earning assets | 0.7502% | 970 |
| Net interest margin | 4.3313% | 940 |
| Noninterest income to average assets | 1.0212% | 1,083 |
| Noninterest expense to average assets | 4.3724% | 516 |
| Loan and lease loss provision to assets | 0.0744% | 2,648 |
| Net operating income to assets | 0.4957% | 4,713 |
| Return on assets (ROA) | 0.4957% | 4,791 |
| Pretax return on assets | 0.4957% | 5,183 |
| Return on Equity (ROE) | 5.0094% | 4,550 |
| Retained earnings to average equity (ytd only) | 0.5009% | 5,380 |
| Net charge-offs to loans | 0.2710% | 1,261 |
| Credit loss provision to net charge-offs | 48.3871% | 2,222 |
| Earnings coverage of net charge-offs (x) | 3.7097% | 2,641 |
| Efficiency ratio | 88.4654% | 1,180 |
| Assets per employee ($millions) | 2.5994% | 6,293 |
| Cash dividends to net income (ytd only)* | 90.0000% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9902% | 1,532 |
| Loan loss allowance to noncurrent loans | 139.7849% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.8997% | 3,488 |
| Noncurrent loans to loans | 1.4237% | 2,649 |
| Net loans and leases to total assets | 55.6142% | 4,193 |
| Net loans and leases to deposits | 70.2110% | 3,574 |
| Net loans and leases to core deposits | 71.3649% | 3,938 |
| Total domestic deposits to total assets | 79.2100% | 5,653 |
| Equity capital to assets | 10.0544% | 3,782 |
| Core capital (leverage) ratio | 10.3774% | 3,082 |
| Tier 1 risk-based capital ratio | 16.5641% | 2,864 |
| Total risk-based capital ratio | 17.8202% | 2,833 |
| Memoranda: | ||
| Average total assets | $80,687,500 | 5,194 |
| Average earning assets | $73,050,000 | 5,205 |
| Average equity | $7,985,000 | 5,296 |
| Average total loans | $45,757,500 | 5,084 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2527% | 574 |
| Cost of funding earning assets | 0.8171% | 1,109 |
| Net interest margin | 4.4356% | 849 |
| Noninterest income to average assets | 1.0600% | 1,253 |
| Noninterest expense to average assets | 4.2240% | 683 |
| Loan and lease loss provision to assets | 0.2613% | 1,363 |
| Net operating income to assets | 0.5746% | 4,381 |
| Return on assets (ROA) | 0.6514% | 4,132 |
| Pretax return on assets | 0.6514% | 4,696 |
| Return on Equity (ROE) | 6.3092% | 3,918 |
| Retained earnings to average equity (ytd only) | 1.5353% | 5,129 |
| Net charge-offs to loans | 0.7658% | 825 |
| Credit loss provision to net charge-offs | 58.2873% | 3,614 |
| Earnings coverage of net charge-offs (x) | 1.8646% | 4,428 |
| Efficiency ratio | 83.4802% | 1,690 |
| Assets per employee ($millions) | 2.6062% | 6,310 |
| Cash dividends to net income (ytd only)* | 75.6654% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0223% | 1,501 |
| Loan loss allowance to noncurrent loans | 126.8493% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 1.2031% | 2,993 |
| Noncurrent loans to loans | 1.5942% | 2,512 |
| Net loans and leases to total assets | 55.5296% | 4,381 |
| Net loans and leases to deposits | 69.8860% | 3,797 |
| Net loans and leases to core deposits | 70.7467% | 4,217 |
| Total domestic deposits to total assets | 79.4574% | 5,564 |
| Equity capital to assets | 9.7385% | 4,119 |
| Core capital (leverage) ratio | 10.3239% | 3,121 |
| Tier 1 risk-based capital ratio | 16.6148% | 2,789 |
| Total risk-based capital ratio | 17.8705% | 2,752 |
| Memoranda: | ||
| Average total assets | $80,753,200 | 5,221 |
| Average earning assets | $72,819,200 | 5,229 |
| Average equity | $8,337,000 | 5,260 |
| Average total loans | $47,269,400 | 5,054 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2580% | 571 |
| Cost of funding earning assets | 0.8239% | 1,196 |
| Net interest margin | 4.4342% | 833 |
| Noninterest income to average assets | 1.0354% | 1,361 |
| Noninterest expense to average assets | 4.2240% | 673 |
| Loan and lease loss provision to assets | 0.2147% | 1,700 |
| Net operating income to assets | 0.5961% | 4,362 |
| Return on assets (ROA) | 0.6803% | 4,100 |
| Pretax return on assets | 0.6803% | 4,748 |
| Return on Equity (ROE) | 6.4976% | 3,928 |
| Retained earnings to average equity (ytd only) | 2.1133% | 5,050 |
| Net charge-offs to loans | 0.6857% | 878 |
| Credit loss provision to net charge-offs | 53.0612% | 3,436 |
| Earnings coverage of net charge-offs (x) | 2.0041% | 4,158 |
| Efficiency ratio | 83.8964% | 1,613 |
| Assets per employee ($millions) | 2.5943% | 6,386 |
| Cash dividends to net income (ytd only)* | 67.4762% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0213% | 1,673 |
| Loan loss allowance to noncurrent loans | 109.4425% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.3255% | 2,989 |
| Noncurrent loans to loans | 1.8469% | 2,437 |
| Net loans and leases to total assets | 57.9822% | 4,010 |
| Net loans and leases to deposits | 73.5331% | 3,309 |
| Net loans and leases to core deposits | 74.4488% | 3,789 |
| Total domestic deposits to total assets | 78.8518% | 5,771 |
| Equity capital to assets | 9.9300% | 4,009 |
| Core capital (leverage) ratio | 10.4647% | 3,043 |
| Tier 1 risk-based capital ratio | 16.0556% | 3,165 |
| Total risk-based capital ratio | 17.3121% | 3,119 |
| Memoranda: | ||
| Average total assets | $80,743,250 | 5,272 |
| Average earning assets | $72,826,750 | 5,280 |
| Average equity | $8,454,250 | 5,284 |
| Average total loans | $47,639,250 | 5,088 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2187% | 615 |
| Cost of funding earning assets | 0.8299% | 1,259 |
| Net interest margin | 4.3888% | 871 |
| Noninterest income to average assets | 1.0192% | 1,473 |
| Noninterest expense to average assets | 4.1732% | 719 |
| Loan and lease loss provision to assets | 0.2375% | 1,564 |
| Net operating income to assets | 0.5591% | 4,504 |
| Return on assets (ROA) | 0.5591% | 4,676 |
| Pretax return on assets | 0.5591% | 5,166 |
| Return on Equity (ROE) | 5.2495% | 4,590 |
| Retained earnings to average equity (ytd only) | 1.5795% | 5,238 |
| Net charge-offs to loans | 0.8855% | 708 |
| Credit loss provision to net charge-offs | 45.4976% | 3,304 |
| Earnings coverage of net charge-offs (x) | 1.5261% | 4,025 |
| Efficiency ratio | 83.9721% | 1,639 |
| Assets per employee ($millions) | 2.3675% | 6,602 |
| Cash dividends to net income (ytd only)* | 69.9115% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0220% | 1,804 |
| Loan loss allowance to noncurrent loans | 86.8231% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.8076% | 2,398 |
| Noncurrent loans to loans | 2.3289% | 2,025 |
| Net loans and leases to total assets | 57.9111% | 4,002 |
| Net loans and leases to deposits | 74.2372% | 3,119 |
| Net loans and leases to core deposits | 75.1685% | 3,650 |
| Total domestic deposits to total assets | 78.0083% | 5,981 |
| Equity capital to assets | 10.0790% | 3,820 |
| Core capital (leverage) ratio | 10.2314% | 3,182 |
| Tier 1 risk-based capital ratio | 16.1933% | 3,092 |
| Total risk-based capital ratio | 17.4570% | 3,033 |
| Memoranda: | ||
| Average total assets | $80,850,000 | 5,299 |
| Average earning assets | $72,776,330 | 5,313 |
| Average equity | $8,610,330 | 5,274 |
| Average total loans | $47,654,670 | 5,115 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0774% | 775 |
| Cost of funding earning assets | 0.8462% | 1,271 |
| Net interest margin | 4.2311% | 1,116 |
| Noninterest income to average assets | 0.9922% | 1,481 |
| Noninterest expense to average assets | 4.1566% | 751 |
| Loan and lease loss provision to assets | 0.2863% | 1,230 |
| Net operating income to assets | 0.3505% | 5,345 |
| Return on assets (ROA) | 0.3505% | 5,487 |
| Pretax return on assets | 0.3505% | 5,717 |
| Return on Equity (ROE) | 3.2058% | 5,489 |
| Retained earnings to average equity (ytd only) | 1.4900% | 5,245 |
| Net charge-offs to loans | 0.6710% | 911 |
| Credit loss provision to net charge-offs | 72.5000% | 2,255 |
| Earnings coverage of net charge-offs (x) | 1.6125% | 3,294 |
| Efficiency ratio | 86.7147% | 1,438 |
| Assets per employee ($millions) | 2.4051% | 6,656 |
| Cash dividends to net income (ytd only)* | 53.5211% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2155% | 1,557 |
| Loan loss allowance to noncurrent loans | 68.8642% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 2.2746% | 2,054 |
| Noncurrent loans to loans | 3.2172% | 1,524 |
| Net loans and leases to total assets | 56.9430% | 3,936 |
| Net loans and leases to deposits | 73.1690% | 3,025 |
| Net loans and leases to core deposits | 74.0734% | 3,565 |
| Total domestic deposits to total assets | 77.8240% | 6,135 |
| Equity capital to assets | 10.8569% | 3,132 |
| Core capital (leverage) ratio | 10.3547% | 2,960 |
| Tier 1 risk-based capital ratio | 16.4434% | 3,037 |
| Total risk-based capital ratio | 17.7066% | 2,983 |
| Memoranda: | ||
| Average total assets | $81,028,000 | 5,338 |
| Average earning assets | $72,793,500 | 5,363 |
| Average equity | $8,859,000 | 5,253 |
| Average total loans | $47,693,500 | 5,144 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5901% | 521 |
| Cost of funding earning assets | 0.9826% | 1,446 |
| Net interest margin | 4.6075% | 771 |
| Noninterest income to average assets | 1.0826% | 1,323 |
| Noninterest expense to average assets | 4.5648% | 544 |
| Loan and lease loss provision to assets | 0.0848% | 4,640 |
| Net operating income to assets | 0.5356% | 4,539 |
| Return on assets (ROA) | 0.8446% | 3,328 |
| Pretax return on assets | 0.8446% | 4,135 |
| Return on Equity (ROE) | 7.6115% | 3,281 |
| Retained earnings to average equity (ytd only) | 4.6331% | 2,960 |
| Net charge-offs to loans | 0.0996% | 4,673 |
| Credit loss provision to net charge-offs | 139.5833% | 1,975 |
| Earnings coverage of net charge-offs (x) | 10.2083% | 2,162 |
| Efficiency ratio | 88.0342% | 1,240 |
| Assets per employee ($millions) | 2.3613% | 6,739 |
| Cash dividends to net income (ytd only)* | 39.1304% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2546% | 1,450 |
| Loan loss allowance to noncurrent loans | 101.6997% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 1.7276% | 2,806 |
| Noncurrent loans to loans | 2.2170% | 2,442 |
| Net loans and leases to total assets | 58.1580% | 3,952 |
| Net loans and leases to deposits | 75.2340% | 2,915 |
| Net loans and leases to core deposits | 76.1867% | 3,509 |
| Total domestic deposits to total assets | 77.3028% | 6,191 |
| Equity capital to assets | 11.0110% | 2,937 |
| Core capital (leverage) ratio | 10.2008% | 3,141 |
| Tier 1 risk-based capital ratio | 16.0053% | 3,163 |
| Total risk-based capital ratio | 17.2667% | 3,108 |
| Memoranda: | ||
| Average total assets | $78,974,600 | 5,383 |
| Average earning assets | $70,320,400 | 5,415 |
| Average equity | $8,763,000 | 5,281 |
| Average total loans | $48,203,200 | 5,169 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4664% | 736 |
| Cost of funding earning assets | 0.9031% | 2,152 |
| Net interest margin | 4.5633% | 879 |
| Noninterest income to average assets | 1.0884% | 1,272 |
| Noninterest expense to average assets | 4.5824% | 512 |
| Loan and lease loss provision to assets | 0.1136% | 4,145 |
| Net operating income to assets | 0.4442% | 5,060 |
| Return on assets (ROA) | 0.6934% | 4,196 |
| Pretax return on assets | 0.6934% | 4,886 |
| Return on Equity (ROE) | 6.2367% | 4,208 |
| Retained earnings to average equity (ytd only) | 3.4157% | 4,459 |
| Net charge-offs to loans | 0.1628% | 3,817 |
| Credit loss provision to net charge-offs | 113.5593% | 2,570 |
| Earnings coverage of net charge-offs (x) | 5.5767% | 2,985 |
| Efficiency ratio | 89.1491% | 1,102 |
| Assets per employee ($millions) | 2.2631% | 6,887 |
| Cash dividends to net income (ytd only)* | 45.2322% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2786% | 1,562 |
| Loan loss allowance to noncurrent loans | 91.8966% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.9101% | 2,770 |
| Noncurrent loans to loans | 2.4795% | 2,320 |
| Net loans and leases to total assets | 57.7169% | 4,177 |
| Net loans and leases to deposits | 75.3362% | 3,087 |
| Net loans and leases to core deposits | 76.3095% | 3,690 |
| Total domestic deposits to total assets | 76.6125% | 6,293 |
| Equity capital to assets | 11.1780% | 3,061 |
| Core capital (leverage) ratio | 10.1375% | 3,360 |
| Tier 1 risk-based capital ratio | 16.0109% | 3,255 |
| Total risk-based capital ratio | 17.2676% | 3,220 |
| Memoranda: | ||
| Average total assets | $78,647,500 | 5,445 |
| Average earning assets | $69,831,500 | 5,492 |
| Average equity | $8,743,750 | 5,341 |
| Average total loans | $48,312,000 | 5,228 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6215% | 555 |
| Cost of funding earning assets | 0.9283% | 2,202 |
| Net interest margin | 4.6932% | 683 |
| Noninterest income to average assets | 1.0910% | 1,202 |
| Noninterest expense to average assets | 4.5220% | 544 |
| Loan and lease loss provision to assets | 0.1580% | 3,537 |
| Net operating income to assets | 0.5608% | 4,532 |
| Return on assets (ROA) | 0.8182% | 3,569 |
| Pretax return on assets | 0.8182% | 4,406 |
| Return on Equity (ROE) | 7.3734% | 3,578 |
| Retained earnings to average equity (ytd only) | 4.3873% | 3,694 |
| Net charge-offs to loans | 0.2007% | 3,376 |
| Credit loss provision to net charge-offs | 126.5306% | 2,168 |
| Earnings coverage of net charge-offs (x) | 5.7551% | 2,760 |
| Efficiency ratio | 86.2840% | 1,404 |
| Assets per employee ($millions) | 2.2582% | 6,945 |
| Cash dividends to net income (ytd only)* | 40.4984% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2257% | 1,714 |
| Loan loss allowance to noncurrent loans | 64.7130% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 2.3925% | 2,337 |
| Noncurrent loans to loans | 3.4394% | 1,678 |
| Net loans and leases to total assets | 59.5258% | 3,908 |
| Net loans and leases to deposits | 77.8824% | 2,691 |
| Net loans and leases to core deposits | 79.9728% | 3,223 |
| Total domestic deposits to total assets | 76.4303% | 6,406 |
| Equity capital to assets | 11.1023% | 3,014 |
| Core capital (leverage) ratio | 10.1301% | 3,223 |
| Tier 1 risk-based capital ratio | 15.5493% | 3,408 |
| Total risk-based capital ratio | 16.8074% | 3,364 |
| Memoranda: | ||
| Average total assets | $78,460,330 | 5,482 |
| Average earning assets | $69,376,670 | 5,547 |
| Average equity | $8,707,000 | 5,350 |
| Average total loans | $48,821,670 | 5,245 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7231% | 496 |
| Cost of funding earning assets | 0.9452% | 2,341 |
| Net interest margin | 4.7780% | 594 |
| Noninterest income to average assets | 1.1104% | 1,147 |
| Noninterest expense to average assets | 4.6513% | 482 |
| Loan and lease loss provision to assets | 0.1637% | 3,342 |
| Net operating income to assets | 0.5117% | 4,775 |
| Return on assets (ROA) | 0.7368% | 3,933 |
| Pretax return on assets | 0.7368% | 4,664 |
| Return on Equity (ROE) | 6.6413% | 3,966 |
| Retained earnings to average equity (ytd only) | 6.6413% | 2,613 |
| Net charge-offs to loans | 0.3254% | 2,348 |
| Credit loss provision to net charge-offs | 80.0000% | 2,727 |
| Earnings coverage of net charge-offs (x) | 3.3000% | 2,889 |
| Efficiency ratio | 87.3199% | 1,352 |
| Assets per employee ($millions) | 2.3417% | 6,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1842% | 1,917 |
| Loan loss allowance to noncurrent loans | 64.8548% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 2.4391% | 2,421 |
| Noncurrent loans to loans | 3.3679% | 1,884 |
| Net loans and leases to total assets | 59.0595% | 3,844 |
| Net loans and leases to deposits | 77.1510% | 2,656 |
| Net loans and leases to core deposits | 78.8682% | 3,204 |
| Total domestic deposits to total assets | 76.5505% | 6,481 |
| Equity capital to assets | 10.9636% | 2,947 |
| Core capital (leverage) ratio | 10.1225% | 3,213 |
| Tier 1 risk-based capital ratio | 15.4742% | 3,463 |
| Total risk-based capital ratio | 16.7434% | 3,428 |
| Memoranda: | ||
| Average total assets | $78,171,500 | 5,536 |
| Average earning assets | $68,983,000 | 5,599 |
| Average equity | $8,673,000 | 5,369 |
| Average total loans | $49,173,000 | 5,258 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2215% | 287 |
| Cost of funding earning assets | 1.2975% | 1,497 |
| Net interest margin | 4.9240% | 482 |
| Noninterest income to average assets | 1.0017% | 1,364 |
| Noninterest expense to average assets | 4.4036% | 646 |
| Loan and lease loss provision to assets | 0.4535% | 2,332 |
| Net operating income to assets | 0.5167% | 4,356 |
| Return on assets (ROA) | 0.5482% | 4,428 |
| Pretax return on assets | 0.5482% | 4,845 |
| Return on Equity (ROE) | 5.3620% | 4,217 |
| Retained earnings to average equity (ytd only) | 2.5204% | 4,433 |
| Net charge-offs to loans | 0.5535% | 2,798 |
| Credit loss provision to net charge-offs | 122.9452% | 2,570 |
| Earnings coverage of net charge-offs (x) | 2.6301% | 3,900 |
| Efficiency ratio | 81.9464% | 2,036 |
| Assets per employee ($millions) | 2.2566% | 7,044 |
| Cash dividends to net income (ytd only)* | 52.9954% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1045% | 1,994 |
| Loan loss allowance to noncurrent loans | 66.3323% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 2.4673% | 2,465 |
| Noncurrent loans to loans | 3.1726% | 2,042 |
| Net loans and leases to total assets | 64.1460% | 3,159 |
| Net loans and leases to deposits | 85.0384% | 1,802 |
| Net loans and leases to core deposits | 86.5717% | 2,561 |
| Total domestic deposits to total assets | 75.4317% | 6,546 |
| Equity capital to assets | 11.2310% | 2,760 |
| Core capital (leverage) ratio | 10.1902% | 3,093 |
| Tier 1 risk-based capital ratio | 14.9340% | 3,679 |
| Total risk-based capital ratio | 16.1850% | 3,643 |
| Memoranda: | ||
| Average total assets | $79,162,600 | 5,475 |
| Average earning assets | $70,288,400 | 5,530 |
| Average equity | $8,094,000 | 5,541 |
| Average total loans | $52,751,600 | 5,165 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2401% | 299 |
| Cost of funding earning assets | 1.3431% | 1,489 |
| Net interest margin | 4.8971% | 513 |
| Noninterest income to average assets | 0.9460% | 1,497 |
| Noninterest expense to average assets | 4.3790% | 651 |
| Loan and lease loss provision to assets | 0.5532% | 1,777 |
| Net operating income to assets | 0.3710% | 5,124 |
| Return on assets (ROA) | 0.4112% | 5,140 |
| Pretax return on assets | 0.4112% | 5,433 |
| Return on Equity (ROE) | 4.1188% | 4,947 |
| Retained earnings to average equity (ytd only) | 2.1933% | 5,026 |
| Net charge-offs to loans | 0.7270% | 2,101 |
| Credit loss provision to net charge-offs | 113.7457% | 2,875 |
| Earnings coverage of net charge-offs (x) | 1.9003% | 4,237 |
| Efficiency ratio | 82.5717% | 1,892 |
| Assets per employee ($millions) | 2.3212% | 7,062 |
| Cash dividends to net income (ytd only)* | 46.7484% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0356% | 2,242 |
| Loan loss allowance to noncurrent loans | 55.7297% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 2.9726% | 2,161 |
| Noncurrent loans to loans | 3.6526% | 1,879 |
| Net loans and leases to total assets | 62.8713% | 3,534 |
| Net loans and leases to deposits | 82.2962% | 2,303 |
| Net loans and leases to core deposits | 84.9754% | 2,913 |
| Total domestic deposits to total assets | 76.3964% | 6,474 |
| Equity capital to assets | 10.6627% | 3,500 |
| Core capital (leverage) ratio | 9.8541% | 3,645 |
| Tier 1 risk-based capital ratio | 14.7594% | 3,802 |
| Total risk-based capital ratio | 16.0132% | 3,773 |
| Memoranda: | ||
| Average total assets | $79,772,000 | 5,513 |
| Average earning assets | $70,979,500 | 5,551 |
| Average equity | $7,963,250 | 5,611 |
| Average total loans | $53,371,000 | 5,187 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3386% | 263 |
| Cost of funding earning assets | 1.3843% | 1,483 |
| Net interest margin | 4.9543% | 430 |
| Noninterest income to average assets | 0.9943% | 1,337 |
| Noninterest expense to average assets | 4.4194% | 655 |
| Loan and lease loss provision to assets | 0.7869% | 1,173 |
| Net operating income to assets | 0.2049% | 5,724 |
| Return on assets (ROA) | 0.2323% | 5,745 |
| Pretax return on assets | 0.2323% | 5,857 |
| Return on Equity (ROE) | 2.3807% | 5,653 |
| Retained earnings to average equity (ytd only) | 2.3807% | 4,775 |
| Net charge-offs to loans | 0.6854% | 2,128 |
| Credit loss provision to net charge-offs | 169.3548% | 1,782 |
| Earnings coverage of net charge-offs (x) | 2.1344% | 3,774 |
| Efficiency ratio | 81.6713% | 2,147 |
| Assets per employee ($millions) | 2.3893% | 7,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1156% | 2,087 |
| Loan loss allowance to noncurrent loans | 49.9331% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 3.3216% | 1,999 |
| Noncurrent loans to loans | 4.2370% | 1,602 |
| Net loans and leases to total assets | 65.7201% | 3,084 |
| Net loans and leases to deposits | 85.6003% | 1,842 |
| Net loans and leases to core deposits | 87.8422% | 2,663 |
| Total domestic deposits to total assets | 76.7756% | 6,483 |
| Equity capital to assets | 10.2945% | 3,758 |
| Core capital (leverage) ratio | 9.4334% | 4,055 |
| Tier 1 risk-based capital ratio | 14.0645% | 4,125 |
| Total risk-based capital ratio | 15.3238% | 4,090 |
| Memoranda: | ||
| Average total assets | $80,056,000 | 5,546 |
| Average earning assets | $71,372,000 | 5,577 |
| Average equity | $7,812,670 | 5,669 |
| Average total loans | $54,278,330 | 5,197 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2452% | 311 |
| Cost of funding earning assets | 1.3940% | 1,637 |
| Net interest margin | 4.8512% | 513 |
| Noninterest income to average assets | 0.9224% | 1,577 |
| Noninterest expense to average assets | 4.4235% | 641 |
| Loan and lease loss provision to assets | 0.5505% | 1,570 |
| Net operating income to assets | 0.2975% | 5,419 |
| Return on assets (ROA) | 0.2975% | 5,488 |
| Pretax return on assets | 0.2975% | 5,661 |
| Return on Equity (ROE) | 3.1330% | 5,305 |
| Retained earnings to average equity (ytd only) | 3.1330% | 4,289 |
| Net charge-offs to loans | 1.1502% | 1,203 |
| Credit loss provision to net charge-offs | 70.2532% | 3,347 |
| Earnings coverage of net charge-offs (x) | 1.0823% | 3,857 |
| Efficiency ratio | 83.9135% | 1,965 |
| Assets per employee ($millions) | 2.5099% | 6,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7517% | 3,168 |
| Loan loss allowance to noncurrent loans | 43.1247% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 3.2944% | 2,079 |
| Noncurrent loans to loans | 4.0620% | 1,777 |
| Net loans and leases to total assets | 65.9205% | 3,030 |
| Net loans and leases to deposits | 84.9160% | 1,896 |
| Net loans and leases to core deposits | 87.7927% | 2,628 |
| Total domestic deposits to total assets | 77.6302% | 6,425 |
| Equity capital to assets | 9.7313% | 4,136 |
| Core capital (leverage) ratio | 9.3474% | 4,057 |
| Tier 1 risk-based capital ratio | 13.5232% | 4,410 |
| Total risk-based capital ratio | 14.7720% | 4,377 |
| Memoranda: | ||
| Average total assets | $80,660,000 | 5,573 |
| Average earning assets | $72,311,500 | 5,594 |
| Average equity | $7,660,500 | 5,721 |
| Average total loans | $54,948,000 | 5,216 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5774% | 288 |
| Cost of funding earning assets | 1.7072% | 1,566 |
| Net interest margin | 4.8702% | 575 |
| Noninterest income to average assets | 0.9966% | 1,513 |
| Noninterest expense to average assets | 3.8757% | 1,353 |
| Loan and lease loss provision to assets | 0.3797% | 3,839 |
| Net operating income to assets | 1.1440% | 1,562 |
| Return on assets (ROA) | 1.1649% | 1,578 |
| Pretax return on assets | 1.1649% | 2,345 |
| Return on Equity (ROE) | 12.8403% | 1,129 |
| Retained earnings to average equity (ytd only) | 9.0207% | 694 |
| Net charge-offs to loans | 0.1530% | 5,433 |
| Credit loss provision to net charge-offs | 355.1724% | 725 |
| Earnings coverage of net charge-offs (x) | 14.2529% | 1,355 |
| Efficiency ratio | 71.7797% | 3,839 |
| Assets per employee ($millions) | 2.5313% | 6,963 |
| Cash dividends to net income (ytd only)* | 29.7468% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7695% | 2,960 |
| Loan loss allowance to noncurrent loans | 45.5842% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 3.2468% | 2,173 |
| Noncurrent loans to loans | 3.8817% | 1,889 |
| Net loans and leases to total assets | 67.9181% | 3,002 |
| Net loans and leases to deposits | 86.8237% | 1,964 |
| Net loans and leases to core deposits | 90.5314% | 2,686 |
| Total domestic deposits to total assets | 78.2252% | 6,269 |
| Equity capital to assets | 9.2652% | 4,728 |
| Core capital (leverage) ratio | 9.0114% | 4,530 |
| Tier 1 risk-based capital ratio | 12.9270% | 4,654 |
| Total risk-based capital ratio | 14.1833% | 4,626 |
| Memoranda: | ||
| Average total assets | $81,377,800 | 5,555 |
| Average earning assets | $73,569,600 | 5,552 |
| Average equity | $7,383,000 | 5,913 |
| Average total loans | $56,849,800 | 5,203 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6286% | 269 |
| Cost of funding earning assets | 1.7603% | 1,587 |
| Net interest margin | 4.8683% | 586 |
| Noninterest income to average assets | 0.9737% | 1,542 |
| Noninterest expense to average assets | 3.9751% | 1,072 |
| Loan and lease loss provision to assets | 0.2127% | 4,935 |
| Net operating income to assets | 1.1897% | 1,619 |
| Return on assets (ROA) | 1.1897% | 1,712 |
| Pretax return on assets | 1.1897% | 2,528 |
| Return on Equity (ROE) | 13.1834% | 1,212 |
| Retained earnings to average equity (ytd only) | 8.0696% | 1,400 |
| Net charge-offs to loans | 0.2009% | 4,739 |
| Credit loss provision to net charge-offs | 151.1628% | 2,572 |
| Earnings coverage of net charge-offs (x) | 9.9655% | 1,935 |
| Efficiency ratio | 73.9197% | 3,338 |
| Assets per employee ($millions) | 2.5272% | 7,053 |
| Cash dividends to net income (ytd only)* | 38.7894% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 4,344 |
| Loan loss allowance to noncurrent loans | 44.0889% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 2.7080% | 2,670 |
| Noncurrent loans to loans | 3.2277% | 2,460 |
| Net loans and leases to total assets | 69.6402% | 2,822 |
| Net loans and leases to deposits | 89.9333% | 1,728 |
| Net loans and leases to core deposits | 91.7949% | 2,839 |
| Total domestic deposits to total assets | 77.4354% | 6,383 |
| Equity capital to assets | 9.6080% | 4,677 |
| Core capital (leverage) ratio | 8.7614% | 5,086 |
| Tier 1 risk-based capital ratio | 12.4085% | 5,072 |
| Total risk-based capital ratio | 13.6603% | 5,038 |
| Memoranda: | ||
| Average total assets | $81,471,750 | 5,619 |
| Average earning assets | $73,699,000 | 5,615 |
| Average equity | $7,352,500 | 5,999 |
| Average total loans | $57,060,750 | 5,275 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5988% | 289 |
| Cost of funding earning assets | 1.8154% | 1,587 |
| Net interest margin | 4.7834% | 675 |
| Noninterest income to average assets | 0.9746% | 1,448 |
| Noninterest expense to average assets | 3.8912% | 1,201 |
| Loan and lease loss provision to assets | 0.1959% | 4,914 |
| Net operating income to assets | 1.2171% | 1,518 |
| Return on assets (ROA) | 1.2171% | 1,581 |
| Pretax return on assets | 1.2171% | 2,360 |
| Return on Equity (ROE) | 13.7800% | 1,082 |
| Retained earnings to average equity (ytd only) | 5.9612% | 2,351 |
| Net charge-offs to loans | 0.1192% | 4,987 |
| Credit loss provision to net charge-offs | 235.2941% | 1,639 |
| Earnings coverage of net charge-offs (x) | 16.9706% | 1,376 |
| Efficiency ratio | 73.3610% | 3,585 |
| Assets per employee ($millions) | 2.3736% | 7,263 |
| Cash dividends to net income (ytd only)* | 56.7404% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4310% | 4,285 |
| Loan loss allowance to noncurrent loans | 74.5654% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.8252% | 3,727 |
| Noncurrent loans to loans | 1.9192% | 3,842 |
| Net loans and leases to total assets | 69.5591% | 3,002 |
| Net loans and leases to deposits | 88.9764% | 2,005 |
| Net loans and leases to core deposits | 90.7954% | 3,155 |
| Total domestic deposits to total assets | 78.1770% | 6,229 |
| Equity capital to assets | 9.2052% | 5,139 |
| Core capital (leverage) ratio | 8.1680% | 6,007 |
| Tier 1 risk-based capital ratio | 11.9946% | 5,317 |
| Total risk-based capital ratio | 13.2451% | 5,282 |
| Memoranda: | ||
| Average total assets | $81,672,330 | 5,641 |
| Average earning assets | $73,922,330 | 5,644 |
| Average equity | $7,213,330 | 6,063 |
| Average total loans | $57,037,330 | 5,307 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5574% | 326 |
| Cost of funding earning assets | 1.8443% | 1,678 |
| Net interest margin | 4.7131% | 762 |
| Noninterest income to average assets | 0.9202% | 1,557 |
| Noninterest expense to average assets | 3.7684% | 1,373 |
| Loan and lease loss provision to assets | 0.0487% | 6,176 |
| Net operating income to assets | 1.3584% | 1,172 |
| Return on assets (ROA) | 1.3584% | 1,237 |
| Pretax return on assets | 1.3584% | 1,881 |
| Return on Equity (ROE) | 15.7061% | 761 |
| Retained earnings to average equity (ytd only) | 7.7686% | 1,806 |
| Net charge-offs to loans | 0.2453% | 3,476 |
| Credit loss provision to net charge-offs | 28.5714% | 4,835 |
| Earnings coverage of net charge-offs (x) | 8.2571% | 1,976 |
| Efficiency ratio | 72.8128% | 3,794 |
| Assets per employee ($millions) | 2.4600% | 7,256 |
| Cash dividends to net income (ytd only)* | 50.5376% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 4,928 |
| Loan loss allowance to noncurrent loans | 108.2969% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 1.3211% | 4,548 |
| Noncurrent loans to loans | 1.2021% | 4,956 |
| Net loans and leases to total assets | 67.4370% | 3,518 |
| Net loans and leases to deposits | 87.1470% | 2,388 |
| Net loans and leases to core deposits | 89.2301% | 3,468 |
| Total domestic deposits to total assets | 77.3831% | 6,476 |
| Equity capital to assets | 8.6154% | 5,850 |
| Core capital (leverage) ratio | 8.1633% | 5,973 |
| Tier 1 risk-based capital ratio | 11.6800% | 5,506 |
| Total risk-based capital ratio | 12.9294% | 5,461 |
| Memoranda: | ||
| Average total assets | $82,156,500 | 5,698 |
| Average earning assets | $74,176,000 | 5,700 |
| Average equity | $7,105,500 | 6,157 |
| Average total loans | $57,080,000 | 5,380 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9113% | 314 |
| Cost of funding earning assets | 2.0663% | 2,647 |
| Net interest margin | 4.8450% | 632 |
| Noninterest income to average assets | 1.3217% | 859 |
| Noninterest expense to average assets | 3.9176% | 1,485 |
| Loan and lease loss provision to assets | 0.5481% | 3,628 |
| Net operating income to assets | 1.2461% | 1,136 |
| Return on assets (ROA) | 1.2269% | 1,239 |
| Pretax return on assets | 1.2269% | 1,881 |
| Return on Equity (ROE) | 14.4787% | 716 |
| Retained earnings to average equity (ytd only) | 6.8918% | 1,003 |
| Net charge-offs to loans | 0.3416% | 4,518 |
| Credit loss provision to net charge-offs | 224.0838% | 1,673 |
| Earnings coverage of net charge-offs (x) | 7.3351% | 2,175 |
| Efficiency ratio | 68.5874% | 4,905 |
| Assets per employee ($millions) | 2.5210% | 7,175 |
| Cash dividends to net income (ytd only)* | 52.4008% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 4,488 |
| Loan loss allowance to noncurrent loans | 76.7465% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.6251% | 3,932 |
| Noncurrent loans to loans | 1.7576% | 4,001 |
| Net loans and leases to total assets | 69.7169% | 3,318 |
| Net loans and leases to deposits | 90.7027% | 2,103 |
| Net loans and leases to core deposits | 111.7665% | 2,719 |
| Total domestic deposits to total assets | 76.8631% | 6,516 |
| Equity capital to assets | 8.6833% | 5,615 |
| Core capital (leverage) ratio | 8.2793% | 5,653 |
| Tier 1 risk-based capital ratio | 11.6403% | 5,257 |
| Total risk-based capital ratio | 12.8903% | 5,212 |
| Memoranda: | ||
| Average total assets | $78,083,800 | 5,780 |
| Average earning assets | $70,753,800 | 5,789 |
| Average equity | $6,616,600 | 6,387 |
| Average total loans | $55,913,600 | 5,425 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9709% | 316 |
| Cost of funding earning assets | 2.1230% | 2,784 |
| Net interest margin | 4.8479% | 627 |
| Noninterest income to average assets | 1.2827% | 936 |
| Noninterest expense to average assets | 3.9308% | 1,382 |
| Loan and lease loss provision to assets | 0.6302% | 2,869 |
| Net operating income to assets | 1.1174% | 1,683 |
| Return on assets (ROA) | 1.0916% | 1,823 |
| Pretax return on assets | 1.0916% | 2,609 |
| Return on Equity (ROE) | 12.9659% | 1,123 |
| Retained earnings to average equity (ytd only) | 5.5831% | 2,162 |
| Net charge-offs to loans | 0.4122% | 3,611 |
| Credit loss provision to net charge-offs | 212.7907% | 2,065 |
| Earnings coverage of net charge-offs (x) | 5.9011% | 2,707 |
| Efficiency ratio | 69.2238% | 4,740 |
| Assets per employee ($millions) | 2.4175% | 7,355 |
| Cash dividends to net income (ytd only)* | 56.9401% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 4,782 |
| Loan loss allowance to noncurrent loans | 61.4733% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 2.0307% | 3,305 |
| Noncurrent loans to loans | 2.0441% | 3,573 |
| Net loans and leases to total assets | 73.7452% | 2,606 |
| Net loans and leases to deposits | 97.1676% | 1,420 |
| Net loans and leases to core deposits | 119.1073% | 2,324 |
| Total domestic deposits to total assets | 75.8948% | 6,602 |
| Equity capital to assets | 8.8779% | 5,664 |
| Core capital (leverage) ratio | 8.3757% | 5,697 |
| Tier 1 risk-based capital ratio | 11.3245% | 5,616 |
| Total risk-based capital ratio | 12.5750% | 5,557 |
| Memoranda: | ||
| Average total assets | $77,436,750 | 5,834 |
| Average earning assets | $70,214,000 | 5,835 |
| Average equity | $6,519,500 | 6,476 |
| Average total loans | $55,639,250 | 5,472 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8536% | 411 |
| Cost of funding earning assets | 2.2040% | 2,773 |
| Net interest margin | 4.6497% | 877 |
| Noninterest income to average assets | 1.3374% | 855 |
| Noninterest expense to average assets | 3.8935% | 1,501 |
| Loan and lease loss provision to assets | 0.6197% | 2,574 |
| Net operating income to assets | 1.0457% | 1,955 |
| Return on assets (ROA) | 1.0663% | 1,962 |
| Pretax return on assets | 1.0663% | 2,748 |
| Return on Equity (ROE) | 12.8995% | 1,202 |
| Retained earnings to average equity (ytd only) | 4.1229% | 2,996 |
| Net charge-offs to loans | 0.1129% | 5,031 |
| Credit loss provision to net charge-offs | 774.1935% | 607 |
| Earnings coverage of net charge-offs (x) | 20.8065% | 1,294 |
| Efficiency ratio | 70.0418% | 4,772 |
| Assets per employee ($millions) | 2.4251% | 7,388 |
| Cash dividends to net income (ytd only)* | 68.0387% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 4,319 |
| Loan loss allowance to noncurrent loans | 44.8485% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 2.5772% | 2,502 |
| Noncurrent loans to loans | 2.8786% | 2,506 |
| Net loans and leases to total assets | 72.9086% | 2,972 |
| Net loans and leases to deposits | 96.3835% | 1,736 |
| Net loans and leases to core deposits | 115.8216% | 2,726 |
| Total domestic deposits to total assets | 75.6443% | 6,628 |
| Equity capital to assets | 8.2753% | 6,376 |
| Core capital (leverage) ratio | 8.4153% | 5,592 |
| Tier 1 risk-based capital ratio | 11.0243% | 5,849 |
| Total risk-based capital ratio | 12.2696% | 5,781 |
| Memoranda: | ||
| Average total assets | $77,462,000 | 5,880 |
| Average earning assets | $70,327,670 | 5,874 |
| Average equity | $6,403,330 | 6,572 |
| Average total loans | $54,927,000 | 5,559 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7742% | 507 |
| Cost of funding earning assets | 2.2030% | 3,153 |
| Net interest margin | 4.5712% | 992 |
| Noninterest income to average assets | 1.1267% | 1,162 |
| Noninterest expense to average assets | 3.8092% | 1,451 |
| Loan and lease loss provision to assets | 0.2481% | 3,988 |
| Net operating income to assets | 1.2198% | 1,601 |
| Return on assets (ROA) | 1.2508% | 1,610 |
| Pretax return on assets | 1.2508% | 2,450 |
| Return on Equity (ROE) | 15.1392% | 955 |
| Retained earnings to average equity (ytd only) | 6.3184% | 2,488 |
| Net charge-offs to loans | 0.3871% | 2,549 |
| Credit loss provision to net charge-offs | 92.3077% | 3,958 |
| Earnings coverage of net charge-offs (x) | 5.4615% | 2,671 |
| Efficiency ratio | 72.1841% | 4,162 |
| Assets per employee ($millions) | 2.2096% | 7,701 |
| Cash dividends to net income (ytd only)* | 58.2645% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9680% | 6,382 |
| Loan loss allowance to noncurrent loans | 42.2614% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 1.9008% | 3,059 |
| Noncurrent loans to loans | 2.2906% | 2,868 |
| Net loans and leases to total assets | 69.7127% | 3,743 |
| Net loans and leases to deposits | 93.3235% | 2,382 |
| Net loans and leases to core deposits | 111.2664% | 3,288 |
| Total domestic deposits to total assets | 74.7000% | 6,767 |
| Equity capital to assets | 8.4152% | 6,209 |
| Core capital (leverage) ratio | 8.1213% | 6,254 |
| Tier 1 risk-based capital ratio | 11.1933% | 5,711 |
| Total risk-based capital ratio | 12.1283% | 5,922 |
| Memoranda: | ||
| Average total assets | $77,391,000 | 5,903 |
| Average earning assets | $70,266,500 | 5,903 |
| Average equity | $6,394,000 | 6,618 |
| Average total loans | $53,730,500 | 5,646 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5141% | 404 |
| Cost of funding earning assets | 2.5356% | 4,022 |
| Net interest margin | 4.9786% | 539 |
| Noninterest income to average assets | 1.2977% | 870 |
| Noninterest expense to average assets | 3.9543% | 1,478 |
| Loan and lease loss provision to assets | 0.0958% | 6,163 |
| Net operating income to assets | 1.7280% | 638 |
| Return on assets (ROA) | 1.7266% | 615 |
| Pretax return on assets | 1.7266% | 1,089 |
| Return on Equity (ROE) | 21.3996% | 283 |
| Retained earnings to average equity (ytd only) | 11.9211% | 233 |
| Net charge-offs to loans | 0.0082% | 6,819 |
| Credit loss provision to net charge-offs | 1,725.0000% | 248 |
| Earnings coverage of net charge-offs (x) | 328.5000% | 144 |
| Efficiency ratio | 68.4362% | 4,644 |
| Assets per employee ($millions) | 2.2778% | 7,594 |
| Cash dividends to net income (ytd only)* | 44.2926% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 6,020 |
| Loan loss allowance to noncurrent loans | 65.3563% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 1.3687% | 3,459 |
| Noncurrent loans to loans | 1.5352% | 3,492 |
| Net loans and leases to total assets | 67.7750% | 4,498 |
| Net loans and leases to deposits | 91.2551% | 3,248 |
| Net loans and leases to core deposits | 105.7116% | 4,222 |
| Total domestic deposits to total assets | 74.2698% | 6,611 |
| Equity capital to assets | 8.1089% | 6,683 |
| Core capital (leverage) ratio | 7.9403% | 6,587 |
| Tier 1 risk-based capital ratio | 11.3275% | 5,409 |
| Total risk-based capital ratio | 12.2995% | 5,568 |
| Memoranda: | ||
| Average total assets | $72,048,400 | 5,967 |
| Average earning assets | $64,838,000 | 5,998 |
| Average equity | $5,813,200 | 6,873 |
| Average total loans | $48,817,800 | 5,746 |