Home > The First State Bank > Performance and Condition Ratios
The First State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3595% | 400 |
| Cost of funding earning assets | 2.0995% | 784 |
| Net interest margin | 4.2600% | 859 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.0307% | 3,552 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 2.1200% | 387 |
| Return on assets (ROA) | 2.1200% | 379 |
| Pretax return on assets | 2.1200% | 555 |
| Return on Equity (ROE) | 36.7200% | 106 |
| Retained earnings to average equity (ytd only) | 23.5850% | 84 |
| Net charge-offs to loans | 0.0459% | 1,426 |
| Credit loss provision to net charge-offs | 195.1220% | 1,241 |
| Earnings coverage of net charge-offs (x) | 63.3171% | 1,157 |
| Efficiency ratio | 47.4431% | 4,119 |
| Assets per employee ($millions) | 10.4862% | 620 |
| Cash dividends to net income (ytd only)* | 35.7711% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5982% | 4,249 |
| Loan loss allowance to noncurrent loans | 541.3793% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.0851% | 2,970 |
| Noncurrent loans to loans | 0.1105% | 2,979 |
| Net loans and leases to total assets | 76.5400% | 1,041 |
| Net loans and leases to deposits | 84.8052% | 1,703 |
| Net loans and leases to core deposits | 111.1850% | 913 |
| Total domestic deposits to total assets | 90.2600% | 693 |
| Equity capital to assets | 5.6968% | 4,296 |
| Core capital (leverage) ratio | 8.5288% | 4,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $118,680,600 | 3,663 |
| Average earning assets | $111,360,200 | 3,633 |
| Average equity | $6,851,800 | 4,064 |
| Average total loans | $89,396,800 | 3,295 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1424% | 444 |
| Cost of funding earning assets | 1.9762% | 731 |
| Net interest margin | 4.1662% | 969 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.8050% | 3,965 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 2.3102% | 323 |
| Return on assets (ROA) | 2.3102% | 315 |
| Pretax return on assets | 2.3102% | 476 |
| Return on Equity (ROE) | 39.8600% | 111 |
| Retained earnings to average equity (ytd only) | 30.7998% | 83 |
| Net charge-offs to loans | -0.0078% | 3,860 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 43.3698% | 4,257 |
| Assets per employee ($millions) | 10.0110% | 662 |
| Cash dividends to net income (ytd only)* | 22.7273% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6418% | 4,210 |
| Loan loss allowance to noncurrent loans | 745.8824% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 3,177 |
| Noncurrent loans to loans | 0.0860% | 3,152 |
| Net loans and leases to total assets | 75.4200% | 1,187 |
| Net loans and leases to deposits | 85.4703% | 1,616 |
| Net loans and leases to core deposits | 110.4963% | 857 |
| Total domestic deposits to total assets | 88.2400% | 1,497 |
| Equity capital to assets | 5.4794% | 4,143 |
| Core capital (leverage) ratio | 9.7282% | 3,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $114,270,500 | 3,717 |
| Average earning assets | $107,880,500 | 3,676 |
| Average equity | $6,623,250 | 4,091 |
| Average total loans | $85,502,500 | 3,352 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1327% | 379 |
| Cost of funding earning assets | 1.8843% | 632 |
| Net interest margin | 4.2484% | 862 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 1.8866% | 3,846 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 2.3069% | 303 |
| Return on assets (ROA) | 2.3069% | 298 |
| Pretax return on assets | 2.3069% | 464 |
| Return on Equity (ROE) | 38.9500% | 112 |
| Retained earnings to average equity (ytd only) | 25.0077% | 123 |
| Net charge-offs to loans | -0.0049% | 3,710 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 44.2151% | 4,244 |
| Assets per employee ($millions) | 10.2311% | 632 |
| Cash dividends to net income (ytd only)* | 35.7995% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7498% | 4,105 |
| Loan loss allowance to noncurrent loans | 1,001.5873% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 3,215 |
| Noncurrent loans to loans | 0.0749% | 3,148 |
| Net loans and leases to total assets | 74.2200% | 1,259 |
| Net loans and leases to deposits | 82.8133% | 1,774 |
| Net loans and leases to core deposits | 119.8032% | 517 |
| Total domestic deposits to total assets | 89.6200% | 1,044 |
| Equity capital to assets | 5.9978% | 4,153 |
| Core capital (leverage) ratio | 10.0221% | 2,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $108,979,667 | 3,783 |
| Average earning assets | $103,381,000 | 3,742 |
| Average equity | $6,454,000 | 4,143 |
| Average total loans | $81,073,667 | 3,398 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8637% | 382 |
| Cost of funding earning assets | 1.6444% | 638 |
| Net interest margin | 4.2193% | 918 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 1.8545% | 3,941 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 2.3060% | 314 |
| Return on assets (ROA) | 2.3060% | 314 |
| Pretax return on assets | 2.3060% | 477 |
| Return on Equity (ROE) | 39.2000% | 118 |
| Retained earnings to average equity (ytd only) | 39.2008% | 66 |
| Net charge-offs to loans | -0.0101% | 3,849 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 43.7885% | 4,309 |
| Assets per employee ($millions) | 9.8909% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7641% | 4,155 |
| Loan loss allowance to noncurrent loans | 686.5169% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 2,984 |
| Noncurrent loans to loans | 0.1113% | 2,962 |
| Net loans and leases to total assets | 72.9300% | 1,327 |
| Net loans and leases to deposits | 79.1032% | 1,884 |
| Net loans and leases to core deposits | 113.4933% | 597 |
| Total domestic deposits to total assets | 92.2000% | 471 |
| Equity capital to assets | 6.1471% | 4,152 |
| Core capital (leverage) ratio | 10.0617% | 2,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $107,198,500 | 3,842 |
| Average earning assets | $101,438,000 | 3,806 |
| Average equity | $6,306,000 | 4,216 |
| Average total loans | $79,531,000 | 3,459 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6921% | 521 |
| Cost of funding earning assets | 0.5432% | 1,143 |
| Net interest margin | 4.1490% | 608 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.1313% | 3,215 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 2.1574% | 230 |
| Return on assets (ROA) | 2.1729% | 215 |
| Pretax return on assets | 2.1729% | 337 |
| Return on Equity (ROE) | 30.7600% | 109 |
| Retained earnings to average equity (ytd only) | 12.2536% | 622 |
| Net charge-offs to loans | 0.0290% | 1,484 |
| Credit loss provision to net charge-offs | 363.6364% | 812 |
| Earnings coverage of net charge-offs (x) | 104.9091% | 956 |
| Efficiency ratio | 48.8135% | 4,196 |
| Assets per employee ($millions) | 9.5997% | 762 |
| Cash dividends to net income (ytd only)* | 60.1604% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7446% | 4,147 |
| Loan loss allowance to noncurrent loans | 764.9351% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 3,058 |
| Noncurrent loans to loans | 0.0973% | 3,066 |
| Net loans and leases to total assets | 74.3500% | 1,191 |
| Net loans and leases to deposits | 81.8464% | 1,630 |
| Net loans and leases to core deposits | 118.0365% | 403 |
| Total domestic deposits to total assets | 90.8400% | 1,013 |
| Equity capital to assets | 5.6100% | 4,205 |
| Core capital (leverage) ratio | 9.8080% | 2,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $103,272,000 | 3,900 |
| Average earning assets | $97,759,600 | 3,860 |
| Average equity | $7,295,800 | 4,178 |
| Average total loans | $75,757,000 | 3,476 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4638% | 527 |
| Cost of funding earning assets | 0.3914% | 1,354 |
| Net interest margin | 4.0725% | 540 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 1.8969% | 3,758 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 2.1449% | 231 |
| Return on assets (ROA) | 2.1657% | 218 |
| Pretax return on assets | 2.1657% | 341 |
| Return on Equity (ROE) | 29.1100% | 112 |
| Retained earnings to average equity (ytd only) | 13.4050% | 556 |
| Net charge-offs to loans | 0.0409% | 1,083 |
| Credit loss provision to net charge-offs | 260.8696% | 880 |
| Earnings coverage of net charge-offs (x) | 74.4348% | 1,083 |
| Efficiency ratio | 46.0448% | 4,377 |
| Assets per employee ($millions) | 9.4922% | 764 |
| Cash dividends to net income (ytd only)* | 53.9568% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7379% | 4,199 |
| Loan loss allowance to noncurrent loans | 1,958.6207% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 3,654 |
| Noncurrent loans to loans | 0.0377% | 3,621 |
| Net loans and leases to total assets | 73.1800% | 1,165 |
| Net loans and leases to deposits | 81.9704% | 1,447 |
| Net loans and leases to core deposits | 115.5185% | 336 |
| Total domestic deposits to total assets | 89.2800% | 1,970 |
| Equity capital to assets | 6.3631% | 3,811 |
| Core capital (leverage) ratio | 10.0490% | 2,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $102,690,750 | 3,930 |
| Average earning assets | $97,432,750 | 3,882 |
| Average equity | $7,638,750 | 4,180 |
| Average total loans | $74,921,000 | 3,499 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2221% | 606 |
| Cost of funding earning assets | 0.2812% | 1,890 |
| Net interest margin | 3.9409% | 566 |
| Noninterest income to average assets | 0.2566% | 3,635 |
| Noninterest expense to average assets | 1.9272% | 3,639 |
| Loan and lease loss provision to assets | 0.0392% | 1,883 |
| Net operating income to assets | 2.0506% | 208 |
| Return on assets (ROA) | 2.0839% | 191 |
| Pretax return on assets | 2.0839% | 310 |
| Return on Equity (ROE) | 26.6990% | 90 |
| Retained earnings to average equity (ytd only) | 15.4071% | 232 |
| Net charge-offs to loans | 0.0485% | 910 |
| Credit loss provision to net charge-offs | 111.1111% | 1,216 |
| Earnings coverage of net charge-offs (x) | 59.2778% | 1,087 |
| Efficiency ratio | 47.9766% | 4,344 |
| Assets per employee ($millions) | 9.2921% | 807 |
| Cash dividends to net income (ytd only)* | 42.2932% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6861% | 4,354 |
| Loan loss allowance to noncurrent loans | 3,807.1429% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 3,887 |
| Noncurrent loans to loans | 0.0180% | 3,830 |
| Net loans and leases to total assets | 75.4835% | 777 |
| Net loans and leases to deposits | 81.4050% | 1,283 |
| Net loans and leases to core deposits | 107.1152% | 416 |
| Total domestic deposits to total assets | 92.7260% | 582 |
| Equity capital to assets | 6.7751% | 3,895 |
| Core capital (leverage) ratio | 9.5085% | 2,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,116,333 | 3,968 |
| Average earning assets | $97,440,667 | 3,938 |
| Average equity | $7,970,333 | 4,206 |
| Average total loans | $74,234,667 | 3,548 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1310% | 599 |
| Cost of funding earning assets | 0.2384% | 2,284 |
| Net interest margin | 3.8926% | 510 |
| Noninterest income to average assets | 0.2704% | 3,515 |
| Noninterest expense to average assets | 1.9712% | 3,503 |
| Loan and lease loss provision to assets | 0.0784% | 1,052 |
| Net operating income to assets | 1.9320% | 251 |
| Return on assets (ROA) | 2.0026% | 222 |
| Pretax return on assets | 2.0026% | 356 |
| Return on Equity (ROE) | 24.0669% | 103 |
| Retained earnings to average equity (ytd only) | 24.0669% | 54 |
| Net charge-offs to loans | 0.0938% | 549 |
| Credit loss provision to net charge-offs | 117.6471% | 940 |
| Earnings coverage of net charge-offs (x) | 30.1765% | 1,127 |
| Efficiency ratio | 49.5079% | 4,340 |
| Assets per employee ($millions) | 8.9525% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7448% | 4,318 |
| Loan loss allowance to noncurrent loans | 7,628.5714% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 4,015 |
| Noncurrent loans to loans | 0.0098% | 3,946 |
| Net loans and leases to total assets | 72.2618% | 809 |
| Net loans and leases to deposits | 79.2115% | 1,200 |
| Net loans and leases to core deposits | 101.8871% | 446 |
| Total domestic deposits to total assets | 91.2265% | 923 |
| Equity capital to assets | 8.2912% | 3,330 |
| Core capital (leverage) ratio | 9.3548% | 2,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,068,000 | 3,986 |
| Average earning assets | $97,313,500 | 3,959 |
| Average equity | $8,493,000 | 4,211 |
| Average total loans | $72,508,500 | 3,578 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2013% | 192 |
| Cost of funding earning assets | 0.2663% | 2,740 |
| Net interest margin | 4.9350% | 154 |
| Noninterest income to average assets | 0.2412% | 3,934 |
| Noninterest expense to average assets | 2.1120% | 3,360 |
| Loan and lease loss provision to assets | 0.1196% | 1,039 |
| Net operating income to assets | 2.7189% | 124 |
| Return on assets (ROA) | 2.7847% | 120 |
| Pretax return on assets | 2.7847% | 183 |
| Return on Equity (ROE) | 33.2358% | 53 |
| Retained earnings to average equity (ytd only) | 6.4711% | 2,146 |
| Net charge-offs to loans | 0.0188% | 1,905 |
| Credit loss provision to net charge-offs | 857.1429% | 578 |
| Earnings coverage of net charge-offs (x) | 203.4286% | 537 |
| Efficiency ratio | 42.6616% | 4,619 |
| Assets per employee ($millions) | 9.6053% | 753 |
| Cash dividends to net income (ytd only)* | 80.5297% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7242% | 4,385 |
| Loan loss allowance to noncurrent loans | 193.7956% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.2593% | 2,265 |
| Noncurrent loans to loans | 0.3737% | 2,246 |
| Net loans and leases to total assets | 68.8921% | 1,162 |
| Net loans and leases to deposits | 75.5577% | 1,602 |
| Net loans and leases to core deposits | 100.7056% | 509 |
| Total domestic deposits to total assets | 91.1781% | 426 |
| Equity capital to assets | 8.3486% | 4,143 |
| Core capital (leverage) ratio | 8.9426% | 3,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,333,800 | 3,986 |
| Average earning assets | $95,744,800 | 3,958 |
| Average equity | $8,406,600 | 4,300 |
| Average total loans | $74,561,400 | 3,575 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4543% | 730 |
| Cost of funding earning assets | 0.2836% | 2,763 |
| Net interest margin | 4.1707% | 577 |
| Noninterest income to average assets | 1.3184% | 679 |
| Noninterest expense to average assets | 1.8746% | 4,002 |
| Loan and lease loss provision to assets | 0.1212% | 972 |
| Net operating income to assets | 3.3035% | 96 |
| Return on assets (ROA) | 3.3924% | 92 |
| Pretax return on assets | 3.3924% | 127 |
| Return on Equity (ROE) | 40.4502% | 34 |
| Retained earnings to average equity (ytd only) | 16.3632% | 273 |
| Net charge-offs to loans | 0.0445% | 1,222 |
| Credit loss provision to net charge-offs | 360.0000% | 918 |
| Earnings coverage of net charge-offs (x) | 101.7200% | 864 |
| Efficiency ratio | 35.3748% | 4,823 |
| Assets per employee ($millions) | 9.1431% | 851 |
| Cash dividends to net income (ytd only)* | 59.5474% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6269% | 4,601 |
| Loan loss allowance to noncurrent loans | 159.0909% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 2,239 |
| Noncurrent loans to loans | 0.3940% | 2,384 |
| Net loans and leases to total assets | 77.2307% | 456 |
| Net loans and leases to deposits | 85.6270% | 850 |
| Net loans and leases to core deposits | 116.9507% | 215 |
| Total domestic deposits to total assets | 90.1943% | 688 |
| Equity capital to assets | 8.5599% | 4,171 |
| Core capital (leverage) ratio | 9.3834% | 3,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,002,750 | 4,047 |
| Average earning assets | $94,498,750 | 4,017 |
| Average equity | $8,303,000 | 4,372 |
| Average total loans | $74,871,500 | 3,612 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4150% | 840 |
| Cost of funding earning assets | 0.3085% | 2,692 |
| Net interest margin | 4.1065% | 684 |
| Noninterest income to average assets | 1.8623% | 370 |
| Noninterest expense to average assets | 1.9009% | 3,960 |
| Loan and lease loss provision to assets | 0.1219% | 1,039 |
| Net operating income to assets | 3.7592% | 77 |
| Return on assets (ROA) | 3.8201% | 78 |
| Pretax return on assets | 3.8201% | 101 |
| Return on Equity (ROE) | 45.8725% | 29 |
| Retained earnings to average equity (ytd only) | 27.5820% | 55 |
| Net charge-offs to loans | -0.0380% | 4,250 |
| Credit loss provision to net charge-offs | -428.5714% | 3,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.8767% | 4,884 |
| Assets per employee ($millions) | 9.3210% | 768 |
| Cash dividends to net income (ytd only)* | 39.8724% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6119% | 4,645 |
| Loan loss allowance to noncurrent loans | 193.4109% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.2516% | 2,663 |
| Noncurrent loans to loans | 0.3164% | 2,784 |
| Net loans and leases to total assets | 79.0551% | 372 |
| Net loans and leases to deposits | 87.5779% | 805 |
| Net loans and leases to core deposits | 119.1842% | 224 |
| Total domestic deposits to total assets | 90.2683% | 659 |
| Equity capital to assets | 8.4872% | 4,215 |
| Core capital (leverage) ratio | 9.8838% | 2,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,479,000 | 4,078 |
| Average earning assets | $93,998,000 | 4,042 |
| Average equity | $8,201,000 | 4,400 |
| Average total loans | $73,774,000 | 3,658 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4499% | 843 |
| Cost of funding earning assets | 0.3694% | 2,359 |
| Net interest margin | 4.0805% | 746 |
| Noninterest income to average assets | 2.0321% | 366 |
| Noninterest expense to average assets | 2.0113% | 3,682 |
| Loan and lease loss provision to assets | 0.1244% | 1,105 |
| Net operating income to assets | 3.7904% | 92 |
| Return on assets (ROA) | 3.9149% | 88 |
| Pretax return on assets | 3.9149% | 107 |
| Return on Equity (ROE) | 47.4939% | 37 |
| Retained earnings to average equity (ytd only) | 39.9472% | 37 |
| Net charge-offs to loans | -0.0744% | 4,541 |
| Credit loss provision to net charge-offs | -230.7692% | 3,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.9398% | 4,875 |
| Assets per employee ($millions) | 8.9332% | 857 |
| Cash dividends to net income (ytd only)* | 15.8898% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6437% | 4,637 |
| Loan loss allowance to noncurrent loans | 159.7270% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.2982% | 2,656 |
| Noncurrent loans to loans | 0.4030% | 2,657 |
| Net loans and leases to total assets | 73.5104% | 855 |
| Net loans and leases to deposits | 81.3375% | 1,391 |
| Net loans and leases to core deposits | 106.9926% | 480 |
| Total domestic deposits to total assets | 90.3770% | 629 |
| Equity capital to assets | 8.3407% | 4,243 |
| Core capital (leverage) ratio | 9.9408% | 2,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,453,000 | 4,113 |
| Average earning assets | $92,048,000 | 4,075 |
| Average equity | $7,950,500 | 4,434 |
| Average total loans | $69,883,500 | 3,738 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9873% | 503 |
| Cost of funding earning assets | 0.8007% | 1,209 |
| Net interest margin | 4.1866% | 654 |
| Noninterest income to average assets | 0.3174% | 3,563 |
| Noninterest expense to average assets | 2.3403% | 3,298 |
| Loan and lease loss provision to assets | 0.1351% | 2,672 |
| Net operating income to assets | 1.8090% | 376 |
| Return on assets (ROA) | 1.9114% | 332 |
| Pretax return on assets | 1.9114% | 541 |
| Return on Equity (ROE) | 23.2724% | 137 |
| Retained earnings to average equity (ytd only) | 8.8813% | 799 |
| Net charge-offs to loans | 0.2210% | 784 |
| Credit loss provision to net charge-offs | 80.0000% | 2,988 |
| Earnings coverage of net charge-offs (x) | 11.5133% | 2,398 |
| Efficiency ratio | 54.6243% | 4,144 |
| Assets per employee ($millions) | 9.4641% | 632 |
| Cash dividends to net income (ytd only)* | 61.8375% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6337% | 4,680 |
| Loan loss allowance to noncurrent loans | 157.9926% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 2,877 |
| Noncurrent loans to loans | 0.4011% | 2,773 |
| Net loans and leases to total assets | 70.4124% | 1,506 |
| Net loans and leases to deposits | 77.8520% | 2,089 |
| Net loans and leases to core deposits | 105.9713% | 641 |
| Total domestic deposits to total assets | 90.4439% | 397 |
| Equity capital to assets | 8.1413% | 4,648 |
| Core capital (leverage) ratio | 9.2515% | 3,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,835,000 | 4,129 |
| Average earning assets | $84,174,200 | 4,095 |
| Average equity | $7,296,200 | 4,498 |
| Average total loans | $67,887,400 | 3,775 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1022% | 501 |
| Cost of funding earning assets | 0.8840% | 1,121 |
| Net interest margin | 4.2183% | 704 |
| Noninterest income to average assets | 0.3494% | 3,373 |
| Noninterest expense to average assets | 1.9774% | 4,200 |
| Loan and lease loss provision to assets | 0.1831% | 2,153 |
| Net operating income to assets | 2.1788% | 212 |
| Return on assets (ROA) | 2.2780% | 193 |
| Pretax return on assets | 2.2780% | 290 |
| Return on Equity (ROE) | 27.6705% | 81 |
| Retained earnings to average equity (ytd only) | 16.5504% | 136 |
| Net charge-offs to loans | 0.3094% | 509 |
| Credit loss provision to net charge-offs | 75.9494% | 2,781 |
| Earnings coverage of net charge-offs (x) | 9.7975% | 2,404 |
| Efficiency ratio | 45.5696% | 4,738 |
| Assets per employee ($millions) | 8.3965% | 876 |
| Cash dividends to net income (ytd only)* | 40.1875% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5693% | 4,763 |
| Loan loss allowance to noncurrent loans | 96.3048% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.4688% | 2,318 |
| Noncurrent loans to loans | 0.5912% | 2,322 |
| Net loans and leases to total assets | 78.8506% | 731 |
| Net loans and leases to deposits | 88.7475% | 1,398 |
| Net loans and leases to core deposits | 130.9785% | 235 |
| Total domestic deposits to total assets | 88.8482% | 839 |
| Equity capital to assets | 8.3779% | 4,533 |
| Core capital (leverage) ratio | 9.6008% | 3,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,383,500 | 4,155 |
| Average earning assets | $82,654,500 | 4,119 |
| Average equity | $7,194,000 | 4,525 |
| Average total loans | $68,093,250 | 3,786 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1830% | 588 |
| Cost of funding earning assets | 0.9758% | 1,056 |
| Net interest margin | 4.2072% | 904 |
| Noninterest income to average assets | 0.3990% | 3,089 |
| Noninterest expense to average assets | 2.0298% | 4,171 |
| Loan and lease loss provision to assets | 0.2800% | 1,535 |
| Net operating income to assets | 2.0624% | 289 |
| Return on assets (ROA) | 2.0904% | 304 |
| Pretax return on assets | 2.0904% | 452 |
| Return on Equity (ROE) | 25.5538% | 106 |
| Retained earnings to average equity (ytd only) | 16.9978% | 143 |
| Net charge-offs to loans | 0.3525% | 452 |
| Credit loss provision to net charge-offs | 102.5641% | 2,379 |
| Earnings coverage of net charge-offs (x) | 8.5812% | 2,277 |
| Efficiency ratio | 46.4248% | 4,708 |
| Assets per employee ($millions) | 8.5601% | 793 |
| Cash dividends to net income (ytd only)* | 33.4821% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6768% | 4,612 |
| Loan loss allowance to noncurrent loans | 129.0141% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.3770% | 2,790 |
| Noncurrent loans to loans | 0.5246% | 2,590 |
| Net loans and leases to total assets | 71.3862% | 1,821 |
| Net loans and leases to deposits | 79.8797% | 2,441 |
| Net loans and leases to core deposits | 123.5693% | 350 |
| Total domestic deposits to total assets | 89.3671% | 619 |
| Equity capital to assets | 7.9226% | 4,759 |
| Core capital (leverage) ratio | 9.4870% | 3,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,724,000 | 4,185 |
| Average earning assets | $80,957,333 | 4,153 |
| Average equity | $7,012,667 | 4,563 |
| Average total loans | $66,376,000 | 3,828 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5288% | 354 |
| Cost of funding earning assets | 1.0776% | 1,108 |
| Net interest margin | 4.4512% | 561 |
| Noninterest income to average assets | 0.2945% | 3,764 |
| Noninterest expense to average assets | 2.1250% | 4,165 |
| Loan and lease loss provision to assets | 0.1472% | 1,926 |
| Net operating income to assets | 2.2183% | 175 |
| Return on assets (ROA) | 2.2771% | 173 |
| Pretax return on assets | 2.2771% | 249 |
| Return on Equity (ROE) | 27.3383% | 46 |
| Retained earnings to average equity (ytd only) | 27.3383% | 22 |
| Net charge-offs to loans | 0.0730% | 1,293 |
| Credit loss provision to net charge-offs | 250.0000% | 1,279 |
| Earnings coverage of net charge-offs (x) | 40.1667% | 1,024 |
| Efficiency ratio | 47.3224% | 4,786 |
| Assets per employee ($millions) | 7.6154% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6955% | 4,613 |
| Loan loss allowance to noncurrent loans | 104.4150% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.5408% | 2,374 |
| Noncurrent loans to loans | 0.6661% | 2,326 |
| Net loans and leases to total assets | 80.6241% | 616 |
| Net loans and leases to deposits | 89.7110% | 1,545 |
| Net loans and leases to core deposits | 265.2502% | 22 |
| Total domestic deposits to total assets | 89.8710% | 364 |
| Equity capital to assets | 8.2501% | 4,916 |
| Core capital (leverage) ratio | 10.4681% | 2,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,505,500 | 4,248 |
| Average earning assets | $76,834,000 | 4,218 |
| Average equity | $6,789,000 | 4,624 |
| Average total loans | $65,726,000 | 3,853 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8143% | 316 |
| Cost of funding earning assets | 1.3178% | 735 |
| Net interest margin | 4.4965% | 718 |
| Noninterest income to average assets | 0.3007% | 3,885 |
| Noninterest expense to average assets | 2.6904% | 2,913 |
| Loan and lease loss provision to assets | 0.2945% | 576 |
| Net operating income to assets | 1.5098% | 1,026 |
| Return on assets (ROA) | 1.5297% | 1,046 |
| Pretax return on assets | 1.5334% | 1,702 |
| Return on Equity (ROE) | 18.2733% | 321 |
| Retained earnings to average equity (ytd only) | 3.8001% | 3,075 |
| Net charge-offs to loans | 0.3161% | 654 |
| Credit loss provision to net charge-offs | 116.1765% | 2,172 |
| Earnings coverage of net charge-offs (x) | 7.1324% | 2,901 |
| Efficiency ratio | 59.8066% | 3,725 |
| Assets per employee ($millions) | 5.6601% | 1,912 |
| Cash dividends to net income (ytd only)* | 79.2039% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7172% | 4,541 |
| Loan loss allowance to noncurrent loans | 135.0148% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.4253% | 2,693 |
| Noncurrent loans to loans | 0.5312% | 2,587 |
| Net loans and leases to total assets | 79.4856% | 858 |
| Net loans and leases to deposits | 89.1559% | 1,681 |
| Net loans and leases to core deposits | 133.7850% | 232 |
| Total domestic deposits to total assets | 89.1535% | 609 |
| Equity capital to assets | 8.4135% | 4,946 |
| Core capital (leverage) ratio | 9.8839% | 3,635 |
| Tier 1 risk-based capital ratio | 10.9859% | 4,864 |
| Total risk-based capital ratio | 11.6134% | 4,996 |
| Memoranda: | ||
| Average total assets | $80,472,800 | 4,275 |
| Average earning assets | $75,124,600 | 4,267 |
| Average equity | $6,736,600 | 4,662 |
| Average total loans | $64,528,600 | 3,894 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8236% | 343 |
| Cost of funding earning assets | 1.3346% | 710 |
| Net interest margin | 4.4889% | 788 |
| Noninterest income to average assets | 0.2987% | 3,951 |
| Noninterest expense to average assets | 2.3652% | 3,778 |
| Loan and lease loss provision to assets | 0.1386% | 1,392 |
| Net operating income to assets | 1.9757% | 415 |
| Return on assets (ROA) | 1.9806% | 427 |
| Pretax return on assets | 1.9856% | 713 |
| Return on Equity (ROE) | 23.6891% | 117 |
| Retained earnings to average equity (ytd only) | 14.8057% | 162 |
| Net charge-offs to loans | -0.0103% | 4,382 |
| Credit loss provision to net charge-offs | -1,680.0000% | 4,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7420% | 4,532 |
| Assets per employee ($millions) | 5.9311% | 1,650 |
| Cash dividends to net income (ytd only)* | 37.5003% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7565% | 4,528 |
| Loan loss allowance to noncurrent loans | 145.1705% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.4239% | 2,815 |
| Noncurrent loans to loans | 0.5211% | 2,729 |
| Net loans and leases to total assets | 80.7361% | 743 |
| Net loans and leases to deposits | 91.2134% | 1,541 |
| Net loans and leases to core deposits | 152.4121% | 116 |
| Total domestic deposits to total assets | 88.5134% | 821 |
| Equity capital to assets | 8.6348% | 4,952 |
| Core capital (leverage) ratio | 10.1877% | 3,436 |
| Tier 1 risk-based capital ratio | 11.3329% | 4,744 |
| Total risk-based capital ratio | 12.0174% | 4,904 |
| Memoranda: | ||
| Average total assets | $80,780,500 | 4,327 |
| Average earning assets | $75,324,250 | 4,319 |
| Average equity | $6,754,000 | 4,723 |
| Average total loans | $64,800,500 | 3,931 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7166% | 386 |
| Cost of funding earning assets | 1.2724% | 815 |
| Net interest margin | 4.4442% | 864 |
| Noninterest income to average assets | 0.3049% | 3,892 |
| Noninterest expense to average assets | 2.3741% | 3,808 |
| Loan and lease loss provision to assets | 0.1399% | 1,324 |
| Net operating income to assets | 1.9293% | 444 |
| Return on assets (ROA) | 1.9368% | 462 |
| Pretax return on assets | 1.9443% | 762 |
| Return on Equity (ROE) | 23.4304% | 128 |
| Retained earnings to average equity (ytd only) | 9.8257% | 812 |
| Net charge-offs to loans | 0.0031% | 3,054 |
| Credit loss provision to net charge-offs | 5,600.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 831.0000% | 90 |
| Efficiency ratio | 53.3408% | 4,530 |
| Assets per employee ($millions) | 6.3862% | 1,291 |
| Cash dividends to net income (ytd only)* | 58.0645% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7055% | 4,706 |
| Loan loss allowance to noncurrent loans | 128.4946% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.4481% | 2,729 |
| Noncurrent loans to loans | 0.5491% | 2,620 |
| Net loans and leases to total assets | 81.0301% | 728 |
| Net loans and leases to deposits | 94.0183% | 1,260 |
| Net loans and leases to core deposits | 145.8061% | 151 |
| Total domestic deposits to total assets | 86.1854% | 1,937 |
| Equity capital to assets | 8.3124% | 5,116 |
| Core capital (leverage) ratio | 10.0029% | 3,582 |
| Tier 1 risk-based capital ratio | 10.5196% | 5,098 |
| Total risk-based capital ratio | 11.1454% | 5,191 |
| Memoranda: | ||
| Average total assets | $80,028,670 | 4,371 |
| Average earning assets | $74,659,330 | 4,356 |
| Average equity | $6,615,330 | 4,767 |
| Average total loans | $63,883,670 | 3,973 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6714% | 378 |
| Cost of funding earning assets | 1.2251% | 838 |
| Net interest margin | 4.4463% | 817 |
| Noninterest income to average assets | 0.3005% | 3,874 |
| Noninterest expense to average assets | 2.2156% | 4,222 |
| Loan and lease loss provision to assets | 0.1426% | 1,201 |
| Net operating income to assets | 2.0730% | 346 |
| Return on assets (ROA) | 2.0730% | 361 |
| Pretax return on assets | 2.0832% | 545 |
| Return on Equity (ROE) | 25.1526% | 99 |
| Retained earnings to average equity (ytd only) | 25.1526% | 48 |
| Net charge-offs to loans | -0.0387% | 4,750 |
| Credit loss provision to net charge-offs | -466.6667% | 3,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8853% | 4,837 |
| Assets per employee ($millions) | 6.0855% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7258% | 4,725 |
| Loan loss allowance to noncurrent loans | 133.6257% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.4323% | 2,859 |
| Noncurrent loans to loans | 0.5431% | 2,687 |
| Net loans and leases to total assets | 79.0158% | 985 |
| Net loans and leases to deposits | 88.9128% | 1,757 |
| Net loans and leases to core deposits | 137.6621% | 210 |
| Total domestic deposits to total assets | 88.8689% | 926 |
| Equity capital to assets | 8.5196% | 4,977 |
| Core capital (leverage) ratio | 10.3371% | 3,235 |
| Tier 1 risk-based capital ratio | 11.0728% | 4,943 |
| Total risk-based capital ratio | 11.7033% | 5,103 |
| Memoranda: | ||
| Average total assets | $78,532,500 | 4,446 |
| Average earning assets | $73,139,500 | 4,429 |
| Average equity | $6,472,500 | 4,822 |
| Average total loans | $61,950,500 | 4,049 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3749% | 500 |
| Cost of funding earning assets | 0.9027% | 1,084 |
| Net interest margin | 4.4722% | 805 |
| Noninterest income to average assets | 0.3188% | 3,980 |
| Noninterest expense to average assets | 2.6301% | 3,244 |
| Loan and lease loss provision to assets | 0.0386% | 3,429 |
| Net operating income to assets | 1.6956% | 703 |
| Return on assets (ROA) | 1.6956% | 695 |
| Pretax return on assets | 1.8216% | 869 |
| Return on Equity (ROE) | 20.8617% | 206 |
| Retained earnings to average equity (ytd only) | 5.4408% | 2,509 |
| Net charge-offs to loans | 0.0933% | 1,833 |
| Credit loss provision to net charge-offs | 53.5714% | 3,154 |
| Earnings coverage of net charge-offs (x) | 25.8393% | 1,754 |
| Efficiency ratio | 58.5743% | 4,069 |
| Assets per employee ($millions) | 5.9964% | 1,523 |
| Cash dividends to net income (ytd only)* | 73.9196% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6942% | 4,810 |
| Loan loss allowance to noncurrent loans | 157.2491% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.3451% | 3,168 |
| Noncurrent loans to loans | 0.4415% | 2,958 |
| Net loans and leases to total assets | 77.6237% | 1,336 |
| Net loans and leases to deposits | 85.9566% | 2,279 |
| Net loans and leases to core deposits | 124.7500% | 421 |
| Total domestic deposits to total assets | 90.3057% | 378 |
| Equity capital to assets | 7.9599% | 5,176 |
| Core capital (leverage) ratio | 9.6070% | 3,994 |
| Tier 1 risk-based capital ratio | 10.7570% | 5,091 |
| Total risk-based capital ratio | 11.3543% | 5,225 |
| Memoranda: | ||
| Average total assets | $77,790,400 | 4,470 |
| Average earning assets | $72,560,000 | 4,447 |
| Average equity | $6,322,600 | 4,846 |
| Average total loans | $60,022,200 | 4,091 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2213% | 608 |
| Cost of funding earning assets | 0.7837% | 1,415 |
| Net interest margin | 4.4377% | 832 |
| Noninterest income to average assets | 0.3224% | 3,993 |
| Noninterest expense to average assets | 2.3716% | 3,921 |
| Loan and lease loss provision to assets | 0.0514% | 2,955 |
| Net operating income to assets | 1.9121% | 471 |
| Return on assets (ROA) | 1.9121% | 471 |
| Pretax return on assets | 2.0458% | 557 |
| Return on Equity (ROE) | 23.4041% | 119 |
| Retained earnings to average equity (ytd only) | 13.9584% | 255 |
| Net charge-offs to loans | -0.0156% | 4,540 |
| Credit loss provision to net charge-offs | -428.5714% | 4,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0698% | 4,702 |
| Assets per employee ($millions) | 6.2451% | 1,318 |
| Cash dividends to net income (ytd only)* | 40.3591% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7461% | 4,763 |
| Loan loss allowance to noncurrent loans | 180.6691% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 3,359 |
| Noncurrent loans to loans | 0.4130% | 3,173 |
| Net loans and leases to total assets | 79.6381% | 1,074 |
| Net loans and leases to deposits | 94.3552% | 1,341 |
| Net loans and leases to core deposits | 136.5585% | 236 |
| Total domestic deposits to total assets | 84.4025% | 2,812 |
| Equity capital to assets | 7.9053% | 5,207 |
| Core capital (leverage) ratio | 10.1468% | 3,471 |
| Tier 1 risk-based capital ratio | 10.7402% | 5,154 |
| Total risk-based capital ratio | 11.3976% | 5,278 |
| Memoranda: | ||
| Average total assets | $77,749,750 | 4,514 |
| Average earning assets | $72,649,250 | 4,492 |
| Average equity | $6,352,000 | 4,898 |
| Average total loans | $59,794,500 | 4,141 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0893% | 677 |
| Cost of funding earning assets | 0.6914% | 1,670 |
| Net interest margin | 4.3978% | 854 |
| Noninterest income to average assets | 0.3420% | 3,890 |
| Noninterest expense to average assets | 2.4150% | 3,855 |
| Loan and lease loss provision to assets | 0.0522% | 2,872 |
| Net operating income to assets | 1.8302% | 549 |
| Return on assets (ROA) | 1.8302% | 550 |
| Pretax return on assets | 1.9764% | 634 |
| Return on Equity (ROE) | 22.1485% | 159 |
| Retained earnings to average equity (ytd only) | 7.9305% | 1,658 |
| Net charge-offs to loans | -0.0414% | 4,853 |
| Credit loss provision to net charge-offs | -166.6667% | 4,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3478% | 4,655 |
| Assets per employee ($millions) | 5.9879% | 1,471 |
| Cash dividends to net income (ytd only)* | 64.1940% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7976% | 4,707 |
| Loan loss allowance to noncurrent loans | 190.4762% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 3,466 |
| Noncurrent loans to loans | 0.4188% | 3,199 |
| Net loans and leases to total assets | 76.6890% | 1,532 |
| Net loans and leases to deposits | 88.5712% | 2,039 |
| Net loans and leases to core deposits | 120.3957% | 553 |
| Total domestic deposits to total assets | 86.5845% | 2,021 |
| Equity capital to assets | 7.8979% | 5,261 |
| Core capital (leverage) ratio | 10.0165% | 3,558 |
| Tier 1 risk-based capital ratio | 10.8247% | 5,143 |
| Total risk-based capital ratio | 11.5151% | 5,273 |
| Memoranda: | ||
| Average total assets | $76,604,330 | 4,580 |
| Average earning assets | $71,444,330 | 4,561 |
| Average equity | $6,330,000 | 4,951 |
| Average total loans | $58,012,330 | 4,217 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0240% | 666 |
| Cost of funding earning assets | 0.6442% | 1,751 |
| Net interest margin | 4.3797% | 803 |
| Noninterest income to average assets | 0.3580% | 3,750 |
| Noninterest expense to average assets | 2.3531% | 4,057 |
| Loan and lease loss provision to assets | 0.0526% | 2,721 |
| Net operating income to assets | 2.0320% | 347 |
| Return on assets (ROA) | 2.0320% | 348 |
| Pretax return on assets | 2.0320% | 538 |
| Return on Equity (ROE) | 24.0461% | 105 |
| Retained earnings to average equity (ytd only) | 24.0461% | 52 |
| Net charge-offs to loans | -0.0141% | 4,392 |
| Credit loss provision to net charge-offs | -500.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0249% | 4,878 |
| Assets per employee ($millions) | 5.7681% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8135% | 4,754 |
| Loan loss allowance to noncurrent loans | 180.7843% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.3401% | 3,485 |
| Noncurrent loans to loans | 0.4500% | 3,190 |
| Net loans and leases to total assets | 74.9550% | 1,713 |
| Net loans and leases to deposits | 83.2852% | 2,471 |
| Net loans and leases to core deposits | 142.8880% | 186 |
| Total domestic deposits to total assets | 89.9980% | 656 |
| Equity capital to assets | 8.3817% | 5,060 |
| Core capital (leverage) ratio | 10.2593% | 3,231 |
| Tier 1 risk-based capital ratio | 11.6041% | 4,803 |
| Total risk-based capital ratio | 12.3025% | 5,009 |
| Memoranda: | ||
| Average total assets | $75,985,000 | 4,640 |
| Average earning assets | $70,780,500 | 4,624 |
| Average equity | $6,421,000 | 4,994 |
| Average total loans | $56,930,000 | 4,282 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2399% | 407 |
| Cost of funding earning assets | 0.5715% | 1,817 |
| Net interest margin | 4.6684% | 444 |
| Noninterest income to average assets | 0.3309% | 4,106 |
| Noninterest expense to average assets | 2.5865% | 3,489 |
| Loan and lease loss provision to assets | 0.0610% | 3,013 |
| Net operating income to assets | 1.2974% | 1,228 |
| Return on assets (ROA) | 1.3034% | 1,227 |
| Pretax return on assets | 2.0359% | 452 |
| Return on Equity (ROE) | 14.6691% | 663 |
| Retained earnings to average equity (ytd only) | 5.1441% | 2,032 |
| Net charge-offs to loans | 0.1047% | 2,017 |
| Credit loss provision to net charge-offs | 73.7705% | 3,035 |
| Earnings coverage of net charge-offs (x) | 25.2295% | 1,723 |
| Efficiency ratio | 55.3395% | 4,829 |
| Assets per employee ($millions) | 5.9219% | 1,576 |
| Cash dividends to net income (ytd only)* | 64.9324% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7850% | 4,871 |
| Loan loss allowance to noncurrent loans | 174.7082% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.3338% | 3,531 |
| Noncurrent loans to loans | 0.4493% | 3,165 |
| Net loans and leases to total assets | 73.7092% | 1,971 |
| Net loans and leases to deposits | 82.4518% | 2,676 |
| Net loans and leases to core deposits | 138.8631% | 226 |
| Total domestic deposits to total assets | 89.3966% | 822 |
| Equity capital to assets | 8.5172% | 5,110 |
| Core capital (leverage) ratio | 9.7671% | 3,727 |
| Tier 1 risk-based capital ratio | 10.8568% | 5,226 |
| Total risk-based capital ratio | 11.5268% | 5,379 |
| Memoranda: | ||
| Average total assets | $73,728,200 | 4,712 |
| Average earning assets | $68,588,600 | 4,692 |
| Average equity | $6,551,200 | 5,014 |
| Average total loans | $58,287,800 | 4,241 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2675% | 369 |
| Cost of funding earning assets | 0.5543% | 1,863 |
| Net interest margin | 4.7133% | 397 |
| Noninterest income to average assets | 0.3328% | 4,157 |
| Noninterest expense to average assets | 2.3296% | 4,214 |
| Loan and lease loss provision to assets | 0.0823% | 2,443 |
| Net operating income to assets | 1.5888% | 742 |
| Return on assets (ROA) | 1.5964% | 742 |
| Pretax return on assets | 2.3168% | 291 |
| Return on Equity (ROE) | 17.7712% | 351 |
| Retained earnings to average equity (ytd only) | 13.1910% | 209 |
| Net charge-offs to loans | 0.1161% | 1,626 |
| Credit loss provision to net charge-offs | 88.2353% | 2,479 |
| Earnings coverage of net charge-offs (x) | 25.6072% | 1,720 |
| Efficiency ratio | 49.3798% | 5,275 |
| Assets per employee ($millions) | 5.8256% | 1,630 |
| Cash dividends to net income (ytd only)* | 25.7730% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7400% | 5,051 |
| Loan loss allowance to noncurrent loans | 168.1319% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 3,587 |
| Noncurrent loans to loans | 0.4401% | 3,389 |
| Net loans and leases to total assets | 81.2948% | 790 |
| Net loans and leases to deposits | 94.9229% | 1,205 |
| Net loans and leases to core deposits | 142.9066% | 175 |
| Total domestic deposits to total assets | 85.6430% | 2,460 |
| Equity capital to assets | 9.1506% | 4,770 |
| Core capital (leverage) ratio | 10.3568% | 3,130 |
| Tier 1 risk-based capital ratio | 10.8178% | 5,338 |
| Total risk-based capital ratio | 11.4725% | 5,492 |
| Memoranda: | ||
| Average total assets | $72,914,000 | 4,774 |
| Average earning assets | $67,835,000 | 4,752 |
| Average equity | $6,549,750 | 5,067 |
| Average total loans | $58,561,250 | 4,276 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2445% | 363 |
| Cost of funding earning assets | 0.5230% | 1,982 |
| Net interest margin | 4.7216% | 375 |
| Noninterest income to average assets | 0.3446% | 4,083 |
| Noninterest expense to average assets | 2.3814% | 4,107 |
| Loan and lease loss provision to assets | 0.0417% | 3,168 |
| Net operating income to assets | 1.5837% | 734 |
| Return on assets (ROA) | 1.5950% | 736 |
| Pretax return on assets | 2.3286% | 281 |
| Return on Equity (ROE) | 17.8733% | 345 |
| Retained earnings to average equity (ytd only) | 10.8672% | 461 |
| Net charge-offs to loans | 0.1394% | 1,319 |
| Credit loss provision to net charge-offs | 37.5000% | 2,664 |
| Earnings coverage of net charge-offs (x) | 21.1750% | 1,762 |
| Efficiency ratio | 50.2934% | 5,289 |
| Assets per employee ($millions) | 6.0906% | 1,392 |
| Cash dividends to net income (ytd only)* | 39.1986% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7420% | 5,104 |
| Loan loss allowance to noncurrent loans | 169.8842% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.3544% | 3,700 |
| Noncurrent loans to loans | 0.4367% | 3,447 |
| Net loans and leases to total assets | 80.5383% | 873 |
| Net loans and leases to deposits | 90.2198% | 1,699 |
| Net loans and leases to core deposits | 128.8510% | 330 |
| Total domestic deposits to total assets | 89.2690% | 821 |
| Equity capital to assets | 9.0823% | 4,823 |
| Core capital (leverage) ratio | 10.2416% | 3,217 |
| Tier 1 risk-based capital ratio | 10.8064% | 5,339 |
| Total risk-based capital ratio | 11.4590% | 5,508 |
| Memoranda: | ||
| Average total assets | $71,974,330 | 4,824 |
| Average earning assets | $66,926,670 | 4,804 |
| Average equity | $6,423,000 | 5,119 |
| Average total loans | $57,406,330 | 4,324 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2490% | 351 |
| Cost of funding earning assets | 0.5128% | 1,983 |
| Net interest margin | 4.7362% | 356 |
| Noninterest income to average assets | 0.3581% | 3,973 |
| Noninterest expense to average assets | 2.2103% | 4,612 |
| Loan and lease loss provision to assets | 0.0839% | 2,138 |
| Net operating income to assets | 2.4453% | 152 |
| Return on assets (ROA) | 2.4453% | 157 |
| Pretax return on assets | 2.4565% | 231 |
| Return on Equity (ROE) | 27.3938% | 62 |
| Retained earnings to average equity (ytd only) | 13.2895% | 354 |
| Net charge-offs to loans | -0.0354% | 5,012 |
| Credit loss provision to net charge-offs | -300.0000% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5253% | 5,509 |
| Assets per employee ($millions) | 5.8978% | 1,584 |
| Cash dividends to net income (ytd only)* | 51.4874% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8495% | 4,929 |
| Loan loss allowance to noncurrent loans | 1,212.5000% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 5,070 |
| Noncurrent loans to loans | 0.0701% | 4,921 |
| Net loans and leases to total assets | 79.9867% | 833 |
| Net loans and leases to deposits | 89.9026% | 1,546 |
| Net loans and leases to core deposits | 117.2563% | 552 |
| Total domestic deposits to total assets | 88.9704% | 1,155 |
| Equity capital to assets | 9.1871% | 4,626 |
| Core capital (leverage) ratio | 10.1603% | 3,301 |
| Tier 1 risk-based capital ratio | 10.7084% | 5,454 |
| Total risk-based capital ratio | 11.4363% | 5,605 |
| Memoranda: | ||
| Average total assets | $71,483,000 | 4,885 |
| Average earning assets | $66,298,500 | 4,872 |
| Average equity | $6,381,000 | 5,179 |
| Average total loans | $56,458,000 | 4,389 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3187% | 342 |
| Cost of funding earning assets | 0.4671% | 2,383 |
| Net interest margin | 4.8516% | 314 |
| Noninterest income to average assets | 0.3464% | 4,260 |
| Noninterest expense to average assets | 2.6545% | 3,512 |
| Loan and lease loss provision to assets | 0.1267% | 1,959 |
| Net operating income to assets | 1.3361% | 1,127 |
| Return on assets (ROA) | 1.3801% | 1,095 |
| Pretax return on assets | 2.1377% | 369 |
| Return on Equity (ROE) | 15.7973% | 528 |
| Retained earnings to average equity (ytd only) | 10.9614% | 308 |
| Net charge-offs to loans | 0.1245% | 2,009 |
| Credit loss provision to net charge-offs | 128.5714% | 2,084 |
| Earnings coverage of net charge-offs (x) | 22.2857% | 1,740 |
| Efficiency ratio | 54.7170% | 5,180 |
| Assets per employee ($millions) | 5.5533% | 1,824 |
| Cash dividends to net income (ytd only)* | 30.6122% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8330% | 5,006 |
| Loan loss allowance to noncurrent loans | 1,788.4615% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 5,219 |
| Noncurrent loans to loans | 0.0466% | 5,057 |
| Net loans and leases to total assets | 76.6792% | 1,409 |
| Net loans and leases to deposits | 85.7583% | 2,212 |
| Net loans and leases to core deposits | 108.7713% | 976 |
| Total domestic deposits to total assets | 89.4131% | 893 |
| Equity capital to assets | 8.6712% | 5,133 |
| Core capital (leverage) ratio | 9.7809% | 3,769 |
| Tier 1 risk-based capital ratio | 10.4966% | 5,573 |
| Total risk-based capital ratio | 11.2016% | 5,712 |
| Memoranda: | ||
| Average total assets | $71,011,800 | 4,913 |
| Average earning assets | $65,936,600 | 4,894 |
| Average equity | $6,203,600 | 5,245 |
| Average total loans | $56,213,600 | 4,406 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3353% | 341 |
| Cost of funding earning assets | 0.4624% | 2,440 |
| Net interest margin | 4.8730% | 320 |
| Noninterest income to average assets | 0.3545% | 4,254 |
| Noninterest expense to average assets | 2.4246% | 4,212 |
| Loan and lease loss provision to assets | 0.1131% | 2,041 |
| Net operating income to assets | 1.7411% | 551 |
| Return on assets (ROA) | 1.8081% | 511 |
| Pretax return on assets | 2.4378% | 244 |
| Return on Equity (ROE) | 20.6580% | 209 |
| Retained earnings to average equity (ytd only) | 20.6580% | 49 |
| Net charge-offs to loans | 0.0213% | 3,264 |
| Credit loss provision to net charge-offs | 666.6667% | 580 |
| Earnings coverage of net charge-offs (x) | 144.9967% | 476 |
| Efficiency ratio | 49.6333% | 5,526 |
| Assets per employee ($millions) | 5.5909% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8357% | 5,085 |
| Loan loss allowance to noncurrent loans | 1,837.0370% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 5,332 |
| Noncurrent loans to loans | 0.0455% | 5,178 |
| Net loans and leases to total assets | 80.9747% | 765 |
| Net loans and leases to deposits | 94.5021% | 1,209 |
| Net loans and leases to core deposits | 122.7532% | 436 |
| Total domestic deposits to total assets | 85.6856% | 2,519 |
| Equity capital to assets | 9.2114% | 4,961 |
| Core capital (leverage) ratio | 9.9932% | 3,580 |
| Tier 1 risk-based capital ratio | 10.5569% | 5,596 |
| Total risk-based capital ratio | 11.2841% | 5,734 |
| Memoranda: | ||
| Average total assets | $70,716,500 | 4,959 |
| Average earning assets | $65,748,500 | 4,941 |
| Average equity | $6,189,500 | 5,301 |
| Average total loans | $56,311,500 | 4,434 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2849% | 370 |
| Cost of funding earning assets | 0.4455% | 2,614 |
| Net interest margin | 4.8393% | 347 |
| Noninterest income to average assets | 0.3625% | 4,168 |
| Noninterest expense to average assets | 2.4550% | 4,163 |
| Loan and lease loss provision to assets | 0.0856% | 2,436 |
| Net operating income to assets | 1.6942% | 586 |
| Return on assets (ROA) | 1.7442% | 558 |
| Pretax return on assets | 2.3865% | 263 |
| Return on Equity (ROE) | 20.2956% | 231 |
| Retained earnings to average equity (ytd only) | 20.2956% | 56 |
| Net charge-offs to loans | -0.0181% | 4,908 |
| Credit loss provision to net charge-offs | -600.0000% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5288% | 5,530 |
| Assets per employee ($millions) | 5.6295% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8154% | 5,237 |
| Loan loss allowance to noncurrent loans | 466.0194% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1407% | 4,945 |
| Noncurrent loans to loans | 0.1750% | 4,734 |
| Net loans and leases to total assets | 79.7781% | 945 |
| Net loans and leases to deposits | 93.5866% | 1,327 |
| Net loans and leases to core deposits | 125.4114% | 382 |
| Total domestic deposits to total assets | 85.2452% | 2,760 |
| Equity capital to assets | 8.7001% | 5,485 |
| Core capital (leverage) ratio | 9.7555% | 3,867 |
| Tier 1 risk-based capital ratio | 10.0815% | 5,828 |
| Total risk-based capital ratio | 10.7875% | 5,923 |
| Memoranda: | ||
| Average total assets | $70,061,330 | 5,022 |
| Average earning assets | $65,091,670 | 5,005 |
| Average equity | $6,021,000 | 5,384 |
| Average total loans | $55,298,670 | 4,495 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3099% | 351 |
| Cost of funding earning assets | 0.4346% | 2,726 |
| Net interest margin | 4.8753% | 326 |
| Noninterest income to average assets | 0.3737% | 4,047 |
| Noninterest expense to average assets | 2.6102% | 3,722 |
| Loan and lease loss provision to assets | 0.0876% | 2,223 |
| Net operating income to assets | 1.5182% | 825 |
| Return on assets (ROA) | 1.5182% | 869 |
| Pretax return on assets | 2.1956% | 379 |
| Return on Equity (ROE) | 17.7839% | 376 |
| Retained earnings to average equity (ytd only) | 17.7839% | 133 |
| Net charge-offs to loans | 0.0747% | 1,738 |
| Credit loss provision to net charge-offs | 150.0000% | 1,273 |
| Earnings coverage of net charge-offs (x) | 39.1000% | 1,018 |
| Efficiency ratio | 53.3413% | 5,435 |
| Assets per employee ($millions) | 5.3462% | 1,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8242% | 5,297 |
| Loan loss allowance to noncurrent loans | 1,153.8462% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 5,390 |
| Noncurrent loans to loans | 0.0714% | 5,191 |
| Net loans and leases to total assets | 77.9082% | 1,117 |
| Net loans and leases to deposits | 86.6962% | 1,984 |
| Net loans and leases to core deposits | 114.7158% | 639 |
| Total domestic deposits to total assets | 89.8635% | 650 |
| Equity capital to assets | 8.6416% | 5,464 |
| Core capital (leverage) ratio | 9.5294% | 4,134 |
| Tier 1 risk-based capital ratio | 10.1984% | 5,862 |
| Total risk-based capital ratio | 10.9042% | 5,955 |
| Memoranda: | ||
| Average total assets | $68,500,500 | 5,105 |
| Average earning assets | $63,504,000 | 5,088 |
| Average equity | $5,848,000 | 5,446 |
| Average total loans | $53,516,000 | 4,570 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2238% | 415 |
| Cost of funding earning assets | 0.3952% | 3,208 |
| Net interest margin | 4.8286% | 347 |
| Noninterest income to average assets | 0.4535% | 3,637 |
| Noninterest expense to average assets | 2.8974% | 2,869 |
| Loan and lease loss provision to assets | 0.0904% | 2,494 |
| Net operating income to assets | 1.3711% | 1,098 |
| Return on assets (ROA) | 1.3711% | 1,146 |
| Pretax return on assets | 1.9391% | 615 |
| Return on Equity (ROE) | 16.0692% | 548 |
| Retained earnings to average equity (ytd only) | 6.7985% | 1,375 |
| Net charge-offs to loans | 0.1030% | 2,383 |
| Credit loss provision to net charge-offs | 115.3846% | 2,212 |
| Earnings coverage of net charge-offs (x) | 25.9038% | 1,610 |
| Efficiency ratio | 58.8073% | 5,047 |
| Assets per employee ($millions) | 5.1923% | 2,131 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8487% | 5,271 |
| Loan loss allowance to noncurrent loans | 729.5082% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 5,259 |
| Noncurrent loans to loans | 0.1163% | 5,027 |
| Net loans and leases to total assets | 77.0222% | 1,250 |
| Net loans and leases to deposits | 86.3951% | 2,078 |
| Net loans and leases to core deposits | 103.4709% | 1,259 |
| Total domestic deposits to total assets | 89.1511% | 1,046 |
| Equity capital to assets | 8.4296% | 5,618 |
| Core capital (leverage) ratio | 9.4747% | 4,212 |
| Tier 1 risk-based capital ratio | 10.1364% | 5,915 |
| Total risk-based capital ratio | 10.8590% | 6,019 |
| Memoranda: | ||
| Average total assets | $66,369,600 | 5,169 |
| Average earning assets | $61,488,200 | 5,146 |
| Average equity | $5,663,000 | 5,513 |
| Average total loans | $50,499,600 | 4,653 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2134% | 434 |
| Cost of funding earning assets | 0.4029% | 3,199 |
| Net interest margin | 4.8105% | 368 |
| Noninterest income to average assets | 0.4943% | 3,409 |
| Noninterest expense to average assets | 2.4997% | 4,192 |
| Loan and lease loss provision to assets | 0.0908% | 2,355 |
| Net operating income to assets | 1.6200% | 740 |
| Return on assets (ROA) | 1.6200% | 767 |
| Pretax return on assets | 2.3605% | 309 |
| Return on Equity (ROE) | 18.9284% | 336 |
| Retained earnings to average equity (ytd only) | 18.9284% | 75 |
| Net charge-offs to loans | 0.1360% | 1,777 |
| Credit loss provision to net charge-offs | 88.2353% | 2,491 |
| Earnings coverage of net charge-offs (x) | 23.8229% | 1,718 |
| Efficiency ratio | 50.4890% | 5,752 |
| Assets per employee ($millions) | 5.2381% | 2,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8069% | 5,501 |
| Loan loss allowance to noncurrent loans | 635.2941% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.0999% | 5,346 |
| Noncurrent loans to loans | 0.1270% | 5,121 |
| Net loans and leases to total assets | 77.9852% | 1,098 |
| Net loans and leases to deposits | 90.7078% | 1,563 |
| Net loans and leases to core deposits | 116.1683% | 585 |
| Total domestic deposits to total assets | 85.9740% | 2,533 |
| Equity capital to assets | 8.9522% | 5,353 |
| Core capital (leverage) ratio | 9.9590% | 3,694 |
| Tier 1 risk-based capital ratio | 10.7126% | 5,795 |
| Total risk-based capital ratio | 11.4074% | 5,937 |
| Memoranda: | ||
| Average total assets | $66,087,000 | 5,237 |
| Average earning assets | $61,225,250 | 5,219 |
| Average equity | $5,656,250 | 5,581 |
| Average total loans | $50,015,750 | 4,714 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1512% | 458 |
| Cost of funding earning assets | 0.4089% | 3,173 |
| Net interest margin | 4.7423% | 408 |
| Noninterest income to average assets | 0.4066% | 4,037 |
| Noninterest expense to average assets | 2.4550% | 4,383 |
| Loan and lease loss provision to assets | 0.0917% | 2,284 |
| Net operating income to assets | 1.4981% | 897 |
| Return on assets (ROA) | 1.4981% | 943 |
| Pretax return on assets | 2.2563% | 376 |
| Return on Equity (ROE) | 17.7869% | 423 |
| Retained earnings to average equity (ytd only) | 17.7869% | 107 |
| Net charge-offs to loans | 0.2047% | 1,231 |
| Credit loss provision to net charge-offs | 60.0000% | 2,591 |
| Earnings coverage of net charge-offs (x) | 15.3600% | 1,983 |
| Efficiency ratio | 51.1139% | 5,791 |
| Assets per employee ($millions) | 5.1708% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8079% | 5,581 |
| Loan loss allowance to noncurrent loans | 834.0000% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 5,568 |
| Noncurrent loans to loans | 0.0969% | 5,354 |
| Net loans and leases to total assets | 76.1682% | 1,341 |
| Net loans and leases to deposits | 89.7838% | 1,625 |
| Net loans and leases to core deposits | 119.0610% | 491 |
| Total domestic deposits to total assets | 84.8351% | 3,195 |
| Equity capital to assets | 8.6134% | 5,588 |
| Core capital (leverage) ratio | 9.8031% | 3,858 |
| Tier 1 risk-based capital ratio | 10.7556% | 5,820 |
| Total risk-based capital ratio | 11.4623% | 5,965 |
| Memoranda: | ||
| Average total assets | $65,417,670 | 5,317 |
| Average earning assets | $60,646,000 | 5,291 |
| Average equity | $5,509,670 | 5,662 |
| Average total loans | $48,842,330 | 4,790 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2055% | 401 |
| Cost of funding earning assets | 0.4081% | 3,219 |
| Net interest margin | 4.7974% | 354 |
| Noninterest income to average assets | 0.4278% | 3,779 |
| Noninterest expense to average assets | 2.4118% | 4,561 |
| Loan and lease loss provision to assets | 0.0930% | 2,136 |
| Net operating income to assets | 1.5748% | 743 |
| Return on assets (ROA) | 1.5748% | 778 |
| Pretax return on assets | 2.3684% | 291 |
| Return on Equity (ROE) | 18.9217% | 328 |
| Retained earnings to average equity (ytd only) | 18.9217% | 120 |
| Net charge-offs to loans | 0.1770% | 1,219 |
| Credit loss provision to net charge-offs | 71.4286% | 1,900 |
| Earnings coverage of net charge-offs (x) | 18.9048% | 1,468 |
| Efficiency ratio | 49.4911% | 5,948 |
| Assets per employee ($millions) | 5.9035% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9166% | 5,386 |
| Loan loss allowance to noncurrent loans | 2,693.7500% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 5,841 |
| Noncurrent loans to loans | 0.0340% | 5,657 |
| Net loans and leases to total assets | 71.7427% | 1,850 |
| Net loans and leases to deposits | 80.0058% | 2,559 |
| Net loans and leases to core deposits | 105.3835% | 983 |
| Total domestic deposits to total assets | 89.6718% | 918 |
| Equity capital to assets | 8.6420% | 5,621 |
| Core capital (leverage) ratio | 9.6510% | 4,076 |
| Tier 1 risk-based capital ratio | 11.6135% | 5,488 |
| Total risk-based capital ratio | 12.4325% | 5,635 |
| Memoranda: | ||
| Average total assets | $64,516,000 | 5,382 |
| Average earning assets | $59,783,000 | 5,356 |
| Average equity | $5,369,500 | 5,742 |
| Average total loans | $47,454,500 | 4,871 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2721% | 461 |
| Cost of funding earning assets | 0.3918% | 3,769 |
| Net interest margin | 4.8803% | 369 |
| Noninterest income to average assets | 0.4814% | 3,646 |
| Noninterest expense to average assets | 2.6922% | 3,894 |
| Loan and lease loss provision to assets | 0.1610% | 1,633 |
| Net operating income to assets | 1.3944% | 1,092 |
| Return on assets (ROA) | 1.3944% | 1,123 |
| Pretax return on assets | 2.2011% | 316 |
| Return on Equity (ROE) | 17.0479% | 487 |
| Retained earnings to average equity (ytd only) | 8.1893% | 956 |
| Net charge-offs to loans | 0.0575% | 3,682 |
| Credit loss provision to net charge-offs | 370.3704% | 708 |
| Earnings coverage of net charge-offs (x) | 54.3333% | 862 |
| Efficiency ratio | 53.2654% | 5,903 |
| Assets per employee ($millions) | 5.3411% | 1,910 |
| Cash dividends to net income (ytd only)* | 51.9630% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9125% | 5,433 |
| Loan loss allowance to noncurrent loans | 716.3934% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 5,646 |
| Noncurrent loans to loans | 0.1274% | 5,389 |
| Net loans and leases to total assets | 74.0362% | 1,579 |
| Net loans and leases to deposits | 86.1730% | 1,956 |
| Net loans and leases to core deposits | 111.0976% | 728 |
| Total domestic deposits to total assets | 85.9158% | 2,887 |
| Equity capital to assets | 7.9993% | 6,071 |
| Core capital (leverage) ratio | 9.5691% | 4,147 |
| Tier 1 risk-based capital ratio | 10.8322% | 5,972 |
| Total risk-based capital ratio | 11.6399% | 6,091 |
| Memoranda: | ||
| Average total assets | $62,106,000 | 5,500 |
| Average earning assets | $58,192,600 | 5,451 |
| Average equity | $5,079,800 | 5,835 |
| Average total loans | $46,945,800 | 4,915 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2882% | 447 |
| Cost of funding earning assets | 0.3926% | 3,870 |
| Net interest margin | 4.8956% | 347 |
| Noninterest income to average assets | 0.5107% | 3,477 |
| Noninterest expense to average assets | 2.4779% | 4,602 |
| Loan and lease loss provision to assets | 0.1623% | 1,534 |
| Net operating income to assets | 1.8979% | 421 |
| Return on assets (ROA) | 1.8979% | 436 |
| Pretax return on assets | 2.4584% | 227 |
| Return on Equity (ROE) | 23.0722% | 153 |
| Retained earnings to average equity (ytd only) | 23.0722% | 43 |
| Net charge-offs to loans | 0.0285% | 3,914 |
| Credit loss provision to net charge-offs | 750.0000% | 413 |
| Earnings coverage of net charge-offs (x) | 121.1275% | 492 |
| Efficiency ratio | 48.5993% | 6,173 |
| Assets per employee ($millions) | 5.6645% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8865% | 5,641 |
| Loan loss allowance to noncurrent loans | 1,159.4595% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 5,909 |
| Noncurrent loans to loans | 0.0765% | 5,717 |
| Net loans and leases to total assets | 76.9732% | 1,095 |
| Net loans and leases to deposits | 90.5541% | 1,374 |
| Net loans and leases to core deposits | 116.6136% | 482 |
| Total domestic deposits to total assets | 85.0024% | 3,336 |
| Equity capital to assets | 8.9199% | 5,441 |
| Core capital (leverage) ratio | 10.3104% | 3,280 |
| Tier 1 risk-based capital ratio | 11.7496% | 5,643 |
| Total risk-based capital ratio | 12.5467% | 5,820 |
| Memoranda: | ||
| Average total assets | $61,609,250 | 5,574 |
| Average earning assets | $57,737,000 | 5,519 |
| Average equity | $5,068,000 | 5,898 |
| Average total loans | $46,710,000 | 4,975 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2501% | 470 |
| Cost of funding earning assets | 0.3862% | 4,037 |
| Net interest margin | 4.8639% | 370 |
| Noninterest income to average assets | 0.5442% | 3,171 |
| Noninterest expense to average assets | 2.5026% | 4,567 |
| Loan and lease loss provision to assets | 0.1629% | 1,514 |
| Net operating income to assets | 1.8704% | 435 |
| Return on assets (ROA) | 1.8704% | 450 |
| Pretax return on assets | 2.4342% | 242 |
| Return on Equity (ROE) | 23.4063% | 155 |
| Retained earnings to average equity (ytd only) | 23.4063% | 54 |
| Net charge-offs to loans | 0.0087% | 4,101 |
| Credit loss provision to net charge-offs | 2,500.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 398.5000% | 176 |
| Efficiency ratio | 49.0735% | 6,219 |
| Assets per employee ($millions) | 5.6927% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8605% | 5,845 |
| Loan loss allowance to noncurrent loans | 535.0649% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 5,788 |
| Noncurrent loans to loans | 0.1608% | 5,530 |
| Net loans and leases to total assets | 75.8001% | 1,202 |
| Net loans and leases to deposits | 89.7329% | 1,398 |
| Net loans and leases to core deposits | 114.8964% | 505 |
| Total domestic deposits to total assets | 84.4730% | 3,738 |
| Equity capital to assets | 8.3711% | 5,900 |
| Core capital (leverage) ratio | 9.9657% | 3,662 |
| Tier 1 risk-based capital ratio | 11.2707% | 5,925 |
| Total risk-based capital ratio | 12.0422% | 6,081 |
| Memoranda: | ||
| Average total assets | $61,375,670 | 5,627 |
| Average earning assets | $57,484,670 | 5,573 |
| Average equity | $4,904,670 | 5,976 |
| Average total loans | $46,149,670 | 5,027 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2116% | 472 |
| Cost of funding earning assets | 0.3723% | 4,287 |
| Net interest margin | 4.8394% | 358 |
| Noninterest income to average assets | 0.5201% | 3,269 |
| Noninterest expense to average assets | 2.3900% | 4,958 |
| Loan and lease loss provision to assets | 0.1646% | 1,476 |
| Net operating income to assets | 2.4887% | 146 |
| Return on assets (ROA) | 2.4887% | 154 |
| Pretax return on assets | 2.5019% | 220 |
| Return on Equity (ROE) | 31.9257% | 56 |
| Retained earnings to average equity (ytd only) | 31.9257% | 32 |
| Net charge-offs to loans | -0.0265% | 5,493 |
| Credit loss provision to net charge-offs | -833.3333% | 5,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2656% | 6,389 |
| Assets per employee ($millions) | 5.6210% | 1,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8494% | 6,007 |
| Loan loss allowance to noncurrent loans | 651.6667% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 5,954 |
| Noncurrent loans to loans | 0.1303% | 5,716 |
| Net loans and leases to total assets | 73.8173% | 1,302 |
| Net loans and leases to deposits | 82.2630% | 2,022 |
| Net loans and leases to core deposits | 105.1635% | 787 |
| Total domestic deposits to total assets | 89.7333% | 1,222 |
| Equity capital to assets | 8.0704% | 6,003 |
| Core capital (leverage) ratio | 9.8282% | 3,823 |
| Tier 1 risk-based capital ratio | 11.3266% | 6,008 |
| Total risk-based capital ratio | 12.0871% | 6,173 |
| Memoranda: | ||
| Average total assets | $60,753,500 | 5,690 |
| Average earning assets | $56,949,500 | 5,640 |
| Average equity | $4,736,000 | 6,066 |
| Average total loans | $45,285,500 | 5,107 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1283% | 732 |
| Cost of funding earning assets | 0.3763% | 4,878 |
| Net interest margin | 4.7521% | 473 |
| Noninterest income to average assets | 0.5179% | 3,646 |
| Noninterest expense to average assets | 3.0241% | 2,981 |
| Loan and lease loss provision to assets | 0.1278% | 2,713 |
| Net operating income to assets | 1.2198% | 1,492 |
| Return on assets (ROA) | 1.2198% | 1,562 |
| Pretax return on assets | 1.8417% | 689 |
| Return on Equity (ROE) | 15.9900% | 623 |
| Retained earnings to average equity (ytd only) | 7.6153% | 1,187 |
| Net charge-offs to loans | 0.1327% | 3,475 |
| Credit loss provision to net charge-offs | 131.5789% | 1,792 |
| Earnings coverage of net charge-offs (x) | 20.2807% | 1,556 |
| Efficiency ratio | 60.5595% | 5,405 |
| Assets per employee ($millions) | 5.4251% | 1,731 |
| Cash dividends to net income (ytd only)* | 52.3743% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8173% | 6,135 |
| Loan loss allowance to noncurrent loans | 505.5556% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 5,965 |
| Noncurrent loans to loans | 0.1617% | 5,710 |
| Net loans and leases to total assets | 74.0231% | 1,346 |
| Net loans and leases to deposits | 82.6377% | 2,114 |
| Net loans and leases to core deposits | 98.2518% | 1,288 |
| Total domestic deposits to total assets | 89.5754% | 1,285 |
| Equity capital to assets | 7.5106% | 6,280 |
| Core capital (leverage) ratio | 9.1949% | 4,729 |
| Tier 1 risk-based capital ratio | 10.7864% | 6,269 |
| Total risk-based capital ratio | 11.5165% | 6,400 |
| Memoranda: | ||
| Average total assets | $58,695,800 | 5,789 |
| Average earning assets | $55,281,200 | 5,722 |
| Average equity | $4,477,800 | 6,209 |
| Average total loans | $42,940,000 | 5,235 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0755% | 810 |
| Cost of funding earning assets | 0.3822% | 4,974 |
| Net interest margin | 4.6932% | 522 |
| Noninterest income to average assets | 0.5132% | 3,718 |
| Noninterest expense to average assets | 2.6118% | 4,354 |
| Loan and lease loss provision to assets | 0.0570% | 3,912 |
| Net operating income to assets | 1.6173% | 726 |
| Return on assets (ROA) | 1.6173% | 769 |
| Pretax return on assets | 2.2697% | 343 |
| Return on Equity (ROE) | 21.1160% | 239 |
| Retained earnings to average equity (ytd only) | 21.1160% | 71 |
| Net charge-offs to loans | 0.0878% | 3,696 |
| Credit loss provision to net charge-offs | 89.2857% | 2,652 |
| Earnings coverage of net charge-offs (x) | 36.4310% | 1,073 |
| Efficiency ratio | 52.8868% | 6,189 |
| Assets per employee ($millions) | 5.4386% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7611% | 6,350 |
| Loan loss allowance to noncurrent loans | 314.6789% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 5,893 |
| Noncurrent loans to loans | 0.2419% | 5,632 |
| Net loans and leases to total assets | 74.7580% | 1,166 |
| Net loans and leases to deposits | 83.4232% | 1,950 |
| Net loans and leases to core deposits | 100.1299% | 1,107 |
| Total domestic deposits to total assets | 89.6130% | 1,216 |
| Equity capital to assets | 8.0953% | 6,079 |
| Core capital (leverage) ratio | 9.6901% | 4,116 |
| Tier 1 risk-based capital ratio | 11.4236% | 6,093 |
| Total risk-based capital ratio | 12.1054% | 6,307 |
| Memoranda: | ||
| Average total assets | $58,450,750 | 5,861 |
| Average earning assets | $55,113,250 | 5,785 |
| Average equity | $4,476,750 | 6,293 |
| Average total loans | $42,540,500 | 5,295 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0225% | 881 |
| Cost of funding earning assets | 0.3914% | 5,020 |
| Net interest margin | 4.6311% | 572 |
| Noninterest income to average assets | 0.4828% | 3,946 |
| Noninterest expense to average assets | 2.5038% | 4,709 |
| Loan and lease loss provision to assets | 0.0862% | 3,357 |
| Net operating income to assets | 1.5864% | 763 |
| Return on assets (ROA) | 1.5864% | 834 |
| Pretax return on assets | 2.2589% | 374 |
| Return on Equity (ROE) | 21.1267% | 243 |
| Retained earnings to average equity (ytd only) | 21.1267% | 74 |
| Net charge-offs to loans | 0.1007% | 3,355 |
| Credit loss provision to net charge-offs | 119.0476% | 1,870 |
| Earnings coverage of net charge-offs (x) | 32.3810% | 1,091 |
| Efficiency ratio | 51.6358% | 6,307 |
| Assets per employee ($millions) | 5.2082% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7955% | 6,363 |
| Loan loss allowance to noncurrent loans | 397.7273% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.1536% | 6,030 |
| Noncurrent loans to loans | 0.2000% | 5,813 |
| Net loans and leases to total assets | 76.1843% | 967 |
| Net loans and leases to deposits | 85.0600% | 1,679 |
| Net loans and leases to core deposits | 104.4238% | 823 |
| Total domestic deposits to total assets | 89.5654% | 1,284 |
| Equity capital to assets | 8.0381% | 6,173 |
| Core capital (leverage) ratio | 9.7221% | 3,903 |
| Tier 1 risk-based capital ratio | 11.3090% | 6,199 |
| Total risk-based capital ratio | 12.0307% | 6,385 |
| Memoranda: | ||
| Average total assets | $57,992,670 | 5,914 |
| Average earning assets | $54,673,670 | 5,837 |
| Average equity | $4,354,670 | 6,373 |
| Average total loans | $41,698,330 | 5,345 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8860% | 1,121 |
| Cost of funding earning assets | 0.3932% | 5,177 |
| Net interest margin | 4.4928% | 685 |
| Noninterest income to average assets | 0.4731% | 3,971 |
| Noninterest expense to average assets | 2.4133% | 5,082 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.2487% | 222 |
| Return on assets (ROA) | 2.2487% | 248 |
| Pretax return on assets | 2.2899% | 358 |
| Return on Equity (ROE) | 31.0202% | 68 |
| Retained earnings to average equity (ytd only) | 31.0202% | 42 |
| Net charge-offs to loans | 0.2072% | 2,178 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 15.9048% | 1,384 |
| Efficiency ratio | 51.3120% | 6,420 |
| Assets per employee ($millions) | 5.2377% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7897% | 6,473 |
| Loan loss allowance to noncurrent loans | 790.2439% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 6,387 |
| Noncurrent loans to loans | 0.0999% | 6,181 |
| Net loans and leases to total assets | 70.6448% | 1,560 |
| Net loans and leases to deposits | 79.0806% | 2,199 |
| Net loans and leases to core deposits | 94.7660% | 1,287 |
| Total domestic deposits to total assets | 89.3326% | 1,466 |
| Equity capital to assets | 7.5952% | 6,563 |
| Core capital (leverage) ratio | 9.5261% | 4,034 |
| Tier 1 risk-based capital ratio | 11.6032% | 6,129 |
| Total risk-based capital ratio | 12.3055% | 6,355 |
| Memoranda: | ||
| Average total assets | $58,344,000 | 5,954 |
| Average earning assets | $54,932,000 | 5,872 |
| Average equity | $4,229,500 | 6,461 |
| Average total loans | $40,549,500 | 5,438 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9563% | 1,671 |
| Cost of funding earning assets | 0.4377% | 5,667 |
| Net interest margin | 4.5187% | 909 |
| Noninterest income to average assets | 0.5167% | 3,795 |
| Noninterest expense to average assets | 3.1321% | 2,837 |
| Loan and lease loss provision to assets | 0.0882% | 4,592 |
| Net operating income to assets | 0.9206% | 2,707 |
| Return on assets (ROA) | 0.9206% | 2,948 |
| Pretax return on assets | 1.5572% | 1,500 |
| Return on Equity (ROE) | 12.0155% | 1,508 |
| Retained earnings to average equity (ytd only) | 5.1100% | 2,631 |
| Net charge-offs to loans | 0.0773% | 4,902 |
| Credit loss provision to net charge-offs | 166.6667% | 1,592 |
| Earnings coverage of net charge-offs (x) | 31.1000% | 979 |
| Efficiency ratio | 65.5592% | 4,590 |
| Assets per employee ($millions) | 5.3703% | 1,821 |
| Cash dividends to net income (ytd only)* | 57.4713% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8634% | 6,365 |
| Loan loss allowance to noncurrent loans | 320.3704% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.1828% | 6,104 |
| Noncurrent loans to loans | 0.2695% | 5,807 |
| Net loans and leases to total assets | 67.2507% | 2,329 |
| Net loans and leases to deposits | 75.0884% | 2,945 |
| Net loans and leases to core deposits | 89.4853% | 1,896 |
| Total domestic deposits to total assets | 89.5621% | 1,213 |
| Equity capital to assets | 6.9118% | 6,787 |
| Core capital (leverage) ratio | 8.5724% | 5,504 |
| Tier 1 risk-based capital ratio | 10.9952% | 6,347 |
| Total risk-based capital ratio | 11.7521% | 6,522 |
| Memoranda: | ||
| Average total assets | $56,703,600 | 6,006 |
| Average earning assets | $53,467,200 | 5,942 |
| Average equity | $4,344,400 | 6,478 |
| Average total loans | $38,817,600 | 5,559 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9946% | 1,708 |
| Cost of funding earning assets | 0.4435% | 5,843 |
| Net interest margin | 4.5511% | 900 |
| Noninterest income to average assets | 0.5251% | 3,772 |
| Noninterest expense to average assets | 2.9465% | 3,424 |
| Loan and lease loss provision to assets | 0.0594% | 4,983 |
| Net operating income to assets | 1.4471% | 1,131 |
| Return on assets (ROA) | 1.4471% | 1,255 |
| Pretax return on assets | 1.8106% | 1,019 |
| Return on Equity (ROE) | 18.4133% | 452 |
| Retained earnings to average equity (ytd only) | 18.4133% | 110 |
| Net charge-offs to loans | 0.0693% | 4,723 |
| Credit loss provision to net charge-offs | 125.0000% | 2,306 |
| Earnings coverage of net charge-offs (x) | 39.3442% | 892 |
| Efficiency ratio | 61.1741% | 5,281 |
| Assets per employee ($millions) | 5.3957% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8421% | 6,526 |
| Loan loss allowance to noncurrent loans | 485.2941% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.1146% | 6,432 |
| Noncurrent loans to loans | 0.1735% | 6,176 |
| Net loans and leases to total assets | 65.4659% | 2,744 |
| Net loans and leases to deposits | 73.2317% | 3,410 |
| Net loans and leases to core deposits | 89.8384% | 2,004 |
| Total domestic deposits to total assets | 89.3956% | 1,196 |
| Equity capital to assets | 7.6037% | 6,745 |
| Core capital (leverage) ratio | 9.6499% | 4,048 |
| Tier 1 risk-based capital ratio | 12.1931% | 5,838 |
| Total risk-based capital ratio | 12.9364% | 6,106 |
| Memoranda: | ||
| Average total assets | $56,111,250 | 6,087 |
| Average earning assets | $52,909,250 | 6,028 |
| Average equity | $4,409,750 | 6,537 |
| Average total loans | $38,503,750 | 5,633 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0349% | 1,700 |
| Cost of funding earning assets | 0.4475% | 5,987 |
| Net interest margin | 4.5874% | 854 |
| Noninterest income to average assets | 0.4979% | 3,935 |
| Noninterest expense to average assets | 2.7367% | 4,259 |
| Loan and lease loss provision to assets | 0.0909% | 4,432 |
| Net operating income to assets | 1.6318% | 784 |
| Return on assets (ROA) | 1.6318% | 870 |
| Pretax return on assets | 1.9916% | 708 |
| Return on Equity (ROE) | 20.5242% | 320 |
| Retained earnings to average equity (ytd only) | 20.5242% | 96 |
| Net charge-offs to loans | 0.1411% | 3,791 |
| Credit loss provision to net charge-offs | 92.5926% | 2,963 |
| Earnings coverage of net charge-offs (x) | 21.2222% | 1,355 |
| Efficiency ratio | 56.7873% | 6,030 |
| Assets per employee ($millions) | 5.6974% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7843% | 6,709 |
| Loan loss allowance to noncurrent loans | 1,345.8333% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 6,724 |
| Noncurrent loans to loans | 0.0583% | 6,534 |
| Net loans and leases to total assets | 71.7134% | 1,603 |
| Net loans and leases to deposits | 80.3690% | 2,335 |
| Net loans and leases to core deposits | 99.5638% | 1,129 |
| Total domestic deposits to total assets | 89.2302% | 1,370 |
| Equity capital to assets | 7.6403% | 6,742 |
| Core capital (leverage) ratio | 9.9272% | 3,516 |
| Tier 1 risk-based capital ratio | 11.5820% | 6,178 |
| Total risk-based capital ratio | 12.2941% | 6,444 |
| Memoranda: | ||
| Average total assets | $55,030,670 | 6,164 |
| Average earning assets | $51,838,000 | 6,097 |
| Average equity | $4,375,330 | 6,578 |
| Average total loans | $38,276,330 | 5,676 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0521% | 1,713 |
| Cost of funding earning assets | 0.4628% | 6,062 |
| Net interest margin | 4.5893% | 838 |
| Noninterest income to average assets | 0.5254% | 3,738 |
| Noninterest expense to average assets | 2.5602% | 4,959 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.2716% | 248 |
| Return on assets (ROA) | 2.2716% | 300 |
| Pretax return on assets | 2.2938% | 458 |
| Return on Equity (ROE) | 27.9950% | 129 |
| Retained earnings to average equity (ytd only) | 27.9950% | 70 |
| Net charge-offs to loans | -0.0869% | 6,737 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7439% | 6,469 |
| Assets per employee ($millions) | 5.3871% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 6,561 |
| Loan loss allowance to noncurrent loans | 99.7006% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.6200% | 5,344 |
| Noncurrent loans to loans | 0.8927% | 4,881 |
| Net loans and leases to total assets | 68.8367% | 1,964 |
| Net loans and leases to deposits | 77.2402% | 2,643 |
| Net loans and leases to core deposits | 90.8897% | 1,763 |
| Total domestic deposits to total assets | 89.1203% | 1,624 |
| Equity capital to assets | 8.4164% | 6,158 |
| Core capital (leverage) ratio | 9.8378% | 3,584 |
| Tier 1 risk-based capital ratio | 12.7205% | 5,424 |
| Total risk-based capital ratio | 13.5432% | 5,726 |
| Memoranda: | ||
| Average total assets | $54,059,000 | 6,228 |
| Average earning assets | $50,988,500 | 6,156 |
| Average equity | $4,386,500 | 6,611 |
| Average total loans | $36,824,000 | 5,786 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1156% | 2,388 |
| Cost of funding earning assets | 0.7487% | 5,218 |
| Net interest margin | 4.3669% | 1,487 |
| Noninterest income to average assets | 0.5580% | 3,451 |
| Noninterest expense to average assets | 3.1383% | 3,068 |
| Loan and lease loss provision to assets | 0.0936% | 5,427 |
| Net operating income to assets | 0.4962% | 4,441 |
| Return on assets (ROA) | 0.4962% | 4,655 |
| Pretax return on assets | 1.4325% | 1,679 |
| Return on Equity (ROE) | 6.1074% | 3,814 |
| Retained earnings to average equity (ytd only) | 2.6504% | 4,342 |
| Net charge-offs to loans | 0.0702% | 5,609 |
| Credit loss provision to net charge-offs | 200.0000% | 1,243 |
| Earnings coverage of net charge-offs (x) | 32.6000% | 788 |
| Efficiency ratio | 67.2822% | 4,522 |
| Assets per employee ($millions) | 4.5206% | 2,874 |
| Cash dividends to net income (ytd only)* | 56.6038% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8970% | 6,541 |
| Loan loss allowance to noncurrent loans | 532.7869% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 6,676 |
| Noncurrent loans to loans | 0.1684% | 6,414 |
| Net loans and leases to total assets | 66.1917% | 2,748 |
| Net loans and leases to deposits | 73.9878% | 3,500 |
| Net loans and leases to core deposits | 83.9635% | 2,900 |
| Total domestic deposits to total assets | 89.4630% | 1,289 |
| Equity capital to assets | 7.8143% | 6,678 |
| Core capital (leverage) ratio | 9.0892% | 4,636 |
| Tier 1 risk-based capital ratio | 12.3297% | 5,596 |
| Total risk-based capital ratio | 13.1556% | 5,879 |
| Memoranda: | ||
| Average total assets | $53,404,800 | 6,247 |
| Average earning assets | $50,218,600 | 6,182 |
| Average equity | $4,339,000 | 6,647 |
| Average total loans | $35,629,800 | 5,887 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1350% | 2,450 |
| Cost of funding earning assets | 0.8327% | 4,923 |
| Net interest margin | 4.3023% | 1,705 |
| Noninterest income to average assets | 0.5088% | 3,804 |
| Noninterest expense to average assets | 2.9927% | 3,578 |
| Loan and lease loss provision to assets | 0.0627% | 5,668 |
| Net operating income to assets | 0.5539% | 4,302 |
| Return on assets (ROA) | 0.5539% | 4,480 |
| Pretax return on assets | 1.4939% | 1,672 |
| Return on Equity (ROE) | 6.7521% | 3,637 |
| Retained earnings to average equity (ytd only) | 6.7521% | 2,106 |
| Net charge-offs to loans | 0.0451% | 5,539 |
| Credit loss provision to net charge-offs | 208.3333% | 1,401 |
| Earnings coverage of net charge-offs (x) | 51.7488% | 628 |
| Efficiency ratio | 65.7851% | 4,753 |
| Assets per employee ($millions) | 4.3774% | 3,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8660% | 6,689 |
| Loan loss allowance to noncurrent loans | 428.7671% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 6,694 |
| Noncurrent loans to loans | 0.2020% | 6,469 |
| Net loans and leases to total assets | 68.2080% | 2,444 |
| Net loans and leases to deposits | 76.7594% | 3,199 |
| Net loans and leases to core deposits | 87.5779% | 2,550 |
| Total domestic deposits to total assets | 88.8595% | 1,512 |
| Equity capital to assets | 8.3630% | 6,428 |
| Core capital (leverage) ratio | 9.6614% | 3,899 |
| Tier 1 risk-based capital ratio | 12.7093% | 5,322 |
| Total risk-based capital ratio | 13.5146% | 5,677 |
| Memoranda: | ||
| Average total assets | $53,194,250 | 6,305 |
| Average earning assets | $49,956,250 | 6,245 |
| Average equity | $4,364,000 | 6,686 |
| Average total loans | $35,479,250 | 5,949 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0655% | 2,856 |
| Cost of funding earning assets | 0.9232% | 4,495 |
| Net interest margin | 4.1423% | 2,257 |
| Noninterest income to average assets | 0.4793% | 4,034 |
| Noninterest expense to average assets | 2.8943% | 4,040 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1910% | 5,766 |
| Return on assets (ROA) | 0.1910% | 5,879 |
| Pretax return on assets | 1.4827% | 1,579 |
| Return on Equity (ROE) | 2.3425% | 5,660 |
| Retained earnings to average equity (ytd only) | 2.3425% | 4,793 |
| Net charge-offs to loans | -0.0567% | 7,051 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1249% | 4,851 |
| Assets per employee ($millions) | 4.3928% | 3,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9014% | 6,653 |
| Loan loss allowance to noncurrent loans | 492.0635% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 6,793 |
| Noncurrent loans to loans | 0.1832% | 6,538 |
| Net loans and leases to total assets | 64.6539% | 3,328 |
| Net loans and leases to deposits | 72.2974% | 4,067 |
| Net loans and leases to core deposits | 81.8232% | 3,529 |
| Total domestic deposits to total assets | 89.4277% | 1,278 |
| Equity capital to assets | 7.9449% | 6,717 |
| Core capital (leverage) ratio | 9.0682% | 4,614 |
| Tier 1 risk-based capital ratio | 12.7125% | 5,166 |
| Total risk-based capital ratio | 13.5359% | 5,517 |
| Memoranda: | ||
| Average total assets | $53,416,000 | 6,355 |
| Average earning assets | $50,262,000 | 6,282 |
| Average equity | $4,354,330 | 6,727 |
| Average total loans | $35,258,330 | 6,014 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0696% | 2,779 |
| Cost of funding earning assets | 0.9855% | 4,303 |
| Net interest margin | 4.0840% | 2,328 |
| Noninterest income to average assets | 0.4315% | 4,444 |
| Noninterest expense to average assets | 2.9386% | 3,900 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.8407% | 6,979 |
| Return on assets (ROA) | -0.8407% | 6,984 |
| Pretax return on assets | 1.3465% | 1,891 |
| Return on Equity (ROE) | -10.1859% | 7,034 |
| Retained earnings to average equity (ytd only) | -10.1859% | 6,878 |
| Net charge-offs to loans | -0.0897% | 7,058 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5764% | 4,541 |
| Assets per employee ($millions) | 4.1367% | 3,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8847% | 6,737 |
| Loan loss allowance to noncurrent loans | 68.4444% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 0.8368% | 5,234 |
| Noncurrent loans to loans | 1.2925% | 4,538 |
| Net loans and leases to total assets | 64.1687% | 3,405 |
| Net loans and leases to deposits | 70.9851% | 4,197 |
| Net loans and leases to core deposits | 80.0186% | 3,758 |
| Total domestic deposits to total assets | 90.3974% | 899 |
| Equity capital to assets | 8.1429% | 6,352 |
| Core capital (leverage) ratio | 8.7237% | 5,047 |
| Tier 1 risk-based capital ratio | 12.2001% | 5,510 |
| Total risk-based capital ratio | 13.0131% | 5,897 |
| Memoranda: | ||
| Average total assets | $53,767,500 | 6,378 |
| Average earning assets | $50,734,000 | 6,316 |
| Average equity | $4,437,500 | 6,727 |
| Average total loans | $35,692,000 | 6,037 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8652% | 1,119 |
| Cost of funding earning assets | 1.2833% | 3,993 |
| Net interest margin | 4.5819% | 1,047 |
| Noninterest income to average assets | 0.5220% | 4,012 |
| Noninterest expense to average assets | 3.0651% | 3,610 |
| Loan and lease loss provision to assets | 0.2031% | 5,211 |
| Net operating income to assets | 1.2411% | 1,316 |
| Return on assets (ROA) | 1.2411% | 1,385 |
| Pretax return on assets | 1.5254% | 1,309 |
| Return on Equity (ROE) | 13.8580% | 915 |
| Retained earnings to average equity (ytd only) | 10.4559% | 443 |
| Net charge-offs to loans | 0.2531% | 4,771 |
| Credit loss provision to net charge-offs | 107.5269% | 4,127 |
| Earnings coverage of net charge-offs (x) | 9.1505% | 1,867 |
| Efficiency ratio | 63.9407% | 5,362 |
| Assets per employee ($millions) | 4.1352% | 3,501 |
| Cash dividends to net income (ytd only)* | 24.5499% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8204% | 6,928 |
| Loan loss allowance to noncurrent loans | 34.1297% | 6,036 |
| Noncurrent assets plus other real estate owned to assets | 1.6351% | 3,850 |
| Noncurrent loans to loans | 2.4037% | 3,112 |
| Net loans and leases to total assets | 67.4653% | 3,113 |
| Net loans and leases to deposits | 75.0222% | 4,022 |
| Net loans and leases to core deposits | 85.6407% | 3,375 |
| Total domestic deposits to total assets | 89.9271% | 1,144 |
| Equity capital to assets | 8.3634% | 6,056 |
| Core capital (leverage) ratio | 9.0782% | 4,398 |
| Tier 1 risk-based capital ratio | 12.0609% | 5,416 |
| Total risk-based capital ratio | 12.8240% | 5,853 |
| Memoranda: | ||
| Average total assets | $49,232,000 | 6,570 |
| Average earning assets | $45,898,000 | 6,514 |
| Average equity | $4,409,000 | 6,849 |
| Average total loans | $36,741,200 | 6,078 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9657% | 999 |
| Cost of funding earning assets | 1.3217% | 4,102 |
| Net interest margin | 4.6439% | 956 |
| Noninterest income to average assets | 0.5682% | 3,667 |
| Noninterest expense to average assets | 2.8329% | 4,339 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.7685% | 549 |
| Return on assets (ROA) | 1.7685% | 596 |
| Pretax return on assets | 2.0595% | 547 |
| Return on Equity (ROE) | 19.3891% | 350 |
| Retained earnings to average equity (ytd only) | 19.3891% | 93 |
| Net charge-offs to loans | 0.0797% | 5,725 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 33.7757% | 795 |
| Efficiency ratio | 57.9037% | 6,286 |
| Assets per employee ($millions) | 3.5634% | 4,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7055% | 7,192 |
| Loan loss allowance to noncurrent loans | 27.0729% | 6,512 |
| Noncurrent assets plus other real estate owned to assets | 2.0065% | 3,461 |
| Noncurrent loans to loans | 2.6061% | 3,019 |
| Net loans and leases to total assets | 76.4492% | 1,323 |
| Net loans and leases to deposits | 85.9684% | 2,352 |
| Net loans and leases to core deposits | 100.7210% | 1,778 |
| Total domestic deposits to total assets | 88.9272% | 1,429 |
| Equity capital to assets | 9.4652% | 4,896 |
| Core capital (leverage) ratio | 10.1340% | 3,116 |
| Tier 1 risk-based capital ratio | 12.2353% | 5,236 |
| Total risk-based capital ratio | 12.9096% | 5,755 |
| Memoranda: | ||
| Average total assets | $48,100,500 | 6,683 |
| Average earning assets | $44,788,500 | 6,626 |
| Average equity | $4,387,250 | 6,949 |
| Average total loans | $36,784,500 | 6,158 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7807% | 1,476 |
| Cost of funding earning assets | 1.3399% | 4,252 |
| Net interest margin | 4.4408% | 1,342 |
| Noninterest income to average assets | 0.6063% | 3,293 |
| Noninterest expense to average assets | 2.8755% | 4,161 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5662% | 789 |
| Return on assets (ROA) | 1.5662% | 842 |
| Pretax return on assets | 1.8609% | 796 |
| Return on Equity (ROE) | 17.4008% | 528 |
| Retained earnings to average equity (ytd only) | 17.4008% | 141 |
| Net charge-offs to loans | -0.0497% | 7,448 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7111% | 5,916 |
| Assets per employee ($millions) | 3.4446% | 5,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7960% | 7,047 |
| Loan loss allowance to noncurrent loans | 29.4634% | 6,407 |
| Noncurrent assets plus other real estate owned to assets | 2.1255% | 3,341 |
| Noncurrent loans to loans | 2.7018% | 2,950 |
| Net loans and leases to total assets | 78.0425% | 1,107 |
| Net loans and leases to deposits | 89.8620% | 1,880 |
| Net loans and leases to core deposits | 105.5856% | 1,489 |
| Total domestic deposits to total assets | 86.8471% | 2,625 |
| Equity capital to assets | 9.2172% | 5,117 |
| Core capital (leverage) ratio | 9.9728% | 3,193 |
| Tier 1 risk-based capital ratio | 11.7303% | 5,560 |
| Total risk-based capital ratio | 12.4918% | 5,988 |
| Memoranda: | ||
| Average total assets | $47,504,670 | 6,745 |
| Average earning assets | $44,181,670 | 6,692 |
| Average equity | $4,275,670 | 7,022 |
| Average total loans | $36,242,670 | 6,233 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3322% | 501 |
| Cost of funding earning assets | 1.3667% | 4,381 |
| Net interest margin | 4.9655% | 447 |
| Noninterest income to average assets | 0.6618% | 2,871 |
| Noninterest expense to average assets | 3.1987% | 2,870 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.0872% | 299 |
| Return on assets (ROA) | 2.0872% | 328 |
| Pretax return on assets | 2.0872% | 518 |
| Return on Equity (ROE) | 23.4789% | 210 |
| Retained earnings to average equity (ytd only) | 23.4789% | 124 |
| Net charge-offs to loans | -0.0226% | 7,105 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5136% | 6,075 |
| Assets per employee ($millions) | 3.3322% | 5,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8280% | 7,059 |
| Loan loss allowance to noncurrent loans | 68.9252% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 0.9175% | 5,319 |
| Noncurrent loans to loans | 1.2012% | 4,959 |
| Net loans and leases to total assets | 75.7433% | 1,596 |
| Net loans and leases to deposits | 85.0380% | 2,755 |
| Net loans and leases to core deposits | 97.2960% | 2,424 |
| Total domestic deposits to total assets | 89.0699% | 1,483 |
| Equity capital to assets | 9.2367% | 4,938 |
| Core capital (leverage) ratio | 9.6272% | 3,606 |
| Tier 1 risk-based capital ratio | 12.1190% | 5,067 |
| Total risk-based capital ratio | 12.9091% | 5,481 |
| Memoranda: | ||
| Average total assets | $47,144,500 | 6,837 |
| Average earning assets | $43,902,500 | 6,781 |
| Average equity | $4,191,000 | 7,117 |
| Average total loans | $35,395,000 | 6,348 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4691% | 716 |
| Cost of funding earning assets | 1.4411% | 5,762 |
| Net interest margin | 5.0281% | 424 |
| Noninterest income to average assets | 0.5066% | 4,363 |
| Noninterest expense to average assets | 3.4608% | 2,491 |
| Loan and lease loss provision to assets | 0.1883% | 5,839 |
| Net operating income to assets | 0.9605% | 1,982 |
| Return on assets (ROA) | 0.9706% | 1,998 |
| Pretax return on assets | 1.5421% | 1,089 |
| Return on Equity (ROE) | 10.7359% | 1,494 |
| Retained earnings to average equity (ytd only) | 5.9010% | 1,389 |
| Net charge-offs to loans | 0.1727% | 5,566 |
| Credit loss provision to net charge-offs | 150.0000% | 3,093 |
| Earnings coverage of net charge-offs (x) | 13.6607% | 1,412 |
| Efficiency ratio | 66.8688% | 5,213 |
| Assets per employee ($millions) | 3.4027% | 5,248 |
| Cash dividends to net income (ytd only)* | 45.0346% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8333% | 7,035 |
| Loan loss allowance to noncurrent loans | 59.6741% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 1.0307% | 5,044 |
| Noncurrent loans to loans | 1.3965% | 4,587 |
| Net loans and leases to total assets | 73.1916% | 2,452 |
| Net loans and leases to deposits | 81.7400% | 3,659 |
| Net loans and leases to core deposits | 113.7474% | 2,525 |
| Total domestic deposits to total assets | 89.5420% | 1,188 |
| Equity capital to assets | 8.5499% | 5,810 |
| Core capital (leverage) ratio | 9.3649% | 3,879 |
| Tier 1 risk-based capital ratio | 11.5430% | 5,354 |
| Total risk-based capital ratio | 12.3334% | 5,795 |
| Memoranda: | ||
| Average total assets | $44,613,400 | 6,927 |
| Average earning assets | $41,427,400 | 6,890 |
| Average equity | $4,033,200 | 7,277 |
| Average total loans | $32,424,000 | 6,497 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5416% | 688 |
| Cost of funding earning assets | 1.4675% | 5,969 |
| Net interest margin | 5.0741% | 390 |
| Noninterest income to average assets | 0.5107% | 4,400 |
| Noninterest expense to average assets | 3.2559% | 3,098 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.3042% | 1,205 |
| Return on assets (ROA) | 1.3042% | 1,281 |
| Pretax return on assets | 1.9639% | 580 |
| Return on Equity (ROE) | 14.2171% | 892 |
| Retained earnings to average equity (ytd only) | 12.7258% | 280 |
| Net charge-offs to loans | 0.1554% | 5,153 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 17.4602% | 1,404 |
| Efficiency ratio | 62.3762% | 6,043 |
| Assets per employee ($millions) | 3.2286% | 5,575 |
| Cash dividends to net income (ytd only)* | 10.4897% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6783% | 7,417 |
| Loan loss allowance to noncurrent loans | 99.1304% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.5088% | 6,191 |
| Noncurrent loans to loans | 0.6843% | 5,933 |
| Net loans and leases to total assets | 73.8546% | 2,569 |
| Net loans and leases to deposits | 85.7690% | 3,362 |
| Net loans and leases to core deposits | 115.8649% | 2,637 |
| Total domestic deposits to total assets | 86.1087% | 2,645 |
| Equity capital to assets | 9.3383% | 4,972 |
| Core capital (leverage) ratio | 9.8636% | 3,441 |
| Tier 1 risk-based capital ratio | 12.5918% | 4,476 |
| Total risk-based capital ratio | 13.2406% | 4,920 |
| Memoranda: | ||
| Average total assets | $43,857,250 | 7,004 |
| Average earning assets | $40,702,750 | 6,973 |
| Average equity | $4,023,250 | 7,345 |
| Average total loans | $31,740,000 | 6,578 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4692% | 881 |
| Cost of funding earning assets | 1.4944% | 6,163 |
| Net interest margin | 4.9748% | 458 |
| Noninterest income to average assets | 0.5437% | 4,084 |
| Noninterest expense to average assets | 3.0731% | 3,803 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2624% | 1,324 |
| Return on assets (ROA) | 1.2624% | 1,402 |
| Pretax return on assets | 2.0871% | 447 |
| Return on Equity (ROE) | 13.8477% | 1,022 |
| Retained earnings to average equity (ytd only) | 11.5735% | 494 |
| Net charge-offs to loans | -0.0193% | 7,691 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5536% | 6,614 |
| Assets per employee ($millions) | 3.1817% | 5,625 |
| Cash dividends to net income (ytd only)* | 16.4234% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8079% | 7,131 |
| Loan loss allowance to noncurrent loans | 26.3520% | 6,753 |
| Noncurrent assets plus other real estate owned to assets | 2.2831% | 2,853 |
| Noncurrent loans to loans | 3.0658% | 2,338 |
| Net loans and leases to total assets | 73.8685% | 2,739 |
| Net loans and leases to deposits | 85.4538% | 3,657 |
| Net loans and leases to core deposits | 116.6684% | 2,649 |
| Total domestic deposits to total assets | 86.4426% | 2,542 |
| Equity capital to assets | 9.0674% | 5,218 |
| Core capital (leverage) ratio | 9.8369% | 3,468 |
| Tier 1 risk-based capital ratio | 12.1736% | 4,781 |
| Total risk-based capital ratio | 12.9375% | 5,140 |
| Memoranda: | ||
| Average total assets | $43,409,330 | 7,081 |
| Average earning assets | $40,283,330 | 7,045 |
| Average equity | $3,957,330 | 7,433 |
| Average total loans | $31,116,330 | 6,665 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4094% | 1,045 |
| Cost of funding earning assets | 1.5217% | 6,338 |
| Net interest margin | 4.8876% | 516 |
| Noninterest income to average assets | 0.6069% | 3,500 |
| Noninterest expense to average assets | 3.2305% | 2,856 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9430% | 2,536 |
| Return on assets (ROA) | 0.9430% | 2,667 |
| Pretax return on assets | 1.9047% | 788 |
| Return on Equity (ROE) | 10.3153% | 2,190 |
| Retained earnings to average equity (ytd only) | 10.3153% | 1,116 |
| Net charge-offs to loans | -0.0266% | 7,521 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9091% | 5,887 |
| Assets per employee ($millions) | 3.0794% | 5,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8771% | 6,838 |
| Loan loss allowance to noncurrent loans | 19.4606% | 7,196 |
| Noncurrent assets plus other real estate owned to assets | 3.1824% | 1,750 |
| Noncurrent loans to loans | 4.5069% | 1,273 |
| Net loans and leases to total assets | 69.9921% | 3,670 |
| Net loans and leases to deposits | 78.5337% | 4,843 |
| Net loans and leases to core deposits | 107.5719% | 3,735 |
| Total domestic deposits to total assets | 89.1237% | 1,184 |
| Equity capital to assets | 9.2155% | 5,072 |
| Core capital (leverage) ratio | 9.7276% | 3,713 |
| Tier 1 risk-based capital ratio | 12.8179% | 4,312 |
| Total risk-based capital ratio | 13.6440% | 4,546 |
| Memoranda: | ||
| Average total assets | $42,842,000 | 7,138 |
| Average earning assets | $39,692,000 | 7,106 |
| Average equity | $3,916,500 | 7,486 |
| Average total loans | $30,088,500 | 6,758 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4970% | 2,971 |
| Cost of funding earning assets | 2.1069% | 6,022 |
| Net interest margin | 4.3902% | 1,717 |
| Noninterest income to average assets | 0.7172% | 3,009 |
| Noninterest expense to average assets | 3.7268% | 1,897 |
| Loan and lease loss provision to assets | 0.2431% | 4,479 |
| Net operating income to assets | 0.5779% | 4,404 |
| Return on assets (ROA) | 0.6272% | 4,044 |
| Pretax return on assets | 0.8022% | 4,062 |
| Return on Equity (ROE) | 7.0238% | 3,519 |
| Retained earnings to average equity (ytd only) | 5.3904% | 1,816 |
| Net charge-offs to loans | 0.8714% | 1,434 |
| Credit loss provision to net charge-offs | 41.4938% | 6,440 |
| Earnings coverage of net charge-offs (x) | 1.6763% | 5,246 |
| Efficiency ratio | 79.1430% | 2,731 |
| Assets per employee ($millions) | 3.0409% | 5,952 |
| Cash dividends to net income (ytd only)* | 23.2558% | 4,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 6,725 |
| Loan loss allowance to noncurrent loans | 135.2041% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.4604% | 5,844 |
| Noncurrent loans to loans | 0.6592% | 5,385 |
| Net loans and leases to total assets | 69.2239% | 4,204 |
| Net loans and leases to deposits | 77.6650% | 5,385 |
| Net loans and leases to core deposits | 102.8406% | 4,518 |
| Total domestic deposits to total assets | 89.1314% | 991 |
| Equity capital to assets | 9.0670% | 5,271 |
| Core capital (leverage) ratio | 9.5526% | 3,944 |
| Tier 1 risk-based capital ratio | 12.5962% | 4,370 |
| Total risk-based capital ratio | 13.4220% | 4,578 |
| Memoranda: | ||
| Average total assets | $41,134,400 | 7,161 |
| Average earning assets | $37,401,800 | 7,178 |
| Average equity | $3,673,200 | 7,622 |
| Average total loans | $27,656,000 | 6,868 |