Home > The Iuka State Bank > Performance and Condition Ratios
The Iuka 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 | 6.4906% | 355 |
| Cost of funding earning assets | 1.9694% | 963 |
| Net interest margin | 4.5212% | 596 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.6894% | 1,764 |
| Loan and lease loss provision to assets | 0.5800% | 141 |
| Net operating income to assets | 0.8403% | 2,743 |
| Return on assets (ROA) | 0.8403% | 2,720 |
| Pretax return on assets | 1.2579% | 1,986 |
| Return on Equity (ROE) | 9.6400% | 2,598 |
| Retained earnings to average equity (ytd only) | 8.4244% | 1,417 |
| Net charge-offs to loans | 0.1990% | 533 |
| Credit loss provision to net charge-offs | 354.9550% | 843 |
| Earnings coverage of net charge-offs (x) | 11.2838% | 2,201 |
| Efficiency ratio | 59.4398% | 3,146 |
| Assets per employee ($millions) | 4.9813% | 3,652 |
| Cash dividends to net income (ytd only)* | 12.6417% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6754% | 707 |
| Loan loss allowance to noncurrent loans | 74.7396% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 1.8608% | 164 |
| Noncurrent loans to loans | 2.2417% | 232 |
| Net loans and leases to total assets | 81.6200% | 468 |
| Net loans and leases to deposits | 106.8690% | 262 |
| Net loans and leases to core deposits | 123.7354% | 535 |
| Total domestic deposits to total assets | 76.3700% | 3,909 |
| Equity capital to assets | 8.7514% | 2,860 |
| Core capital (leverage) ratio | 9.6744% | 3,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $136,500,400 | 3,487 |
| Average earning assets | $127,753,000 | 3,465 |
| Average equity | $11,894,000 | 3,536 |
| Average total loans | $111,550,600 | 3,034 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2946% | 371 |
| Cost of funding earning assets | 1.8533% | 925 |
| Net interest margin | 4.4413% | 672 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.6694% | 1,740 |
| Loan and lease loss provision to assets | 0.5600% | 135 |
| Net operating income to assets | 0.7513% | 3,167 |
| Return on assets (ROA) | 0.7513% | 3,156 |
| Pretax return on assets | 1.1974% | 2,304 |
| Return on Equity (ROE) | 8.6300% | 3,025 |
| Retained earnings to average equity (ytd only) | 7.7786% | 2,045 |
| Net charge-offs to loans | 0.1864% | 470 |
| Credit loss provision to net charge-offs | 367.9739% | 763 |
| Earnings coverage of net charge-offs (x) | 11.5752% | 2,093 |
| Efficiency ratio | 60.3271% | 2,928 |
| Assets per employee ($millions) | 5.0330% | 3,587 |
| Cash dividends to net income (ytd only)* | 9.8945% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5877% | 907 |
| Loan loss allowance to noncurrent loans | 104.3919% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 1.2603% | 341 |
| Noncurrent loans to loans | 1.5209% | 473 |
| Net loans and leases to total assets | 81.5500% | 471 |
| Net loans and leases to deposits | 102.3167% | 420 |
| Net loans and leases to core deposits | 119.2916% | 569 |
| Total domestic deposits to total assets | 79.7000% | 3,572 |
| Equity capital to assets | 8.4216% | 2,774 |
| Core capital (leverage) ratio | 9.7166% | 3,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $134,511,250 | 3,511 |
| Average earning assets | $125,754,750 | 3,497 |
| Average equity | $11,707,000 | 3,553 |
| Average total loans | $109,461,000 | 3,066 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0929% | 397 |
| Cost of funding earning assets | 1.7198% | 860 |
| Net interest margin | 4.3731% | 728 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.6637% | 1,740 |
| Loan and lease loss provision to assets | 0.5600% | 127 |
| Net operating income to assets | 0.7569% | 3,202 |
| Return on assets (ROA) | 0.7569% | 3,220 |
| Pretax return on assets | 1.1196% | 2,589 |
| Return on Equity (ROE) | 8.6000% | 3,088 |
| Retained earnings to average equity (ytd only) | 7.4828% | 2,136 |
| Net charge-offs to loans | -0.0448% | 4,344 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.2791% | 2,814 |
| Assets per employee ($millions) | 5.0506% | 3,556 |
| Cash dividends to net income (ytd only)* | 12.9741% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6134% | 909 |
| Loan loss allowance to noncurrent loans | 182.2772% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.7142% | 732 |
| Noncurrent loans to loans | 0.8851% | 865 |
| Net loans and leases to total assets | 79.3900% | 693 |
| Net loans and leases to deposits | 105.7546% | 320 |
| Net loans and leases to core deposits | 123.3486% | 443 |
| Total domestic deposits to total assets | 75.0700% | 4,111 |
| Equity capital to assets | 8.3604% | 2,982 |
| Core capital (leverage) ratio | 9.8400% | 2,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $132,374,000 | 3,548 |
| Average earning assets | $123,618,667 | 3,522 |
| Average equity | $11,653,333 | 3,574 |
| Average total loans | $107,024,667 | 3,091 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7614% | 440 |
| Cost of funding earning assets | 1.5408% | 781 |
| Net interest margin | 4.2205% | 916 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.7657% | 1,518 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 0.9667% | 2,632 |
| Return on assets (ROA) | 0.9667% | 2,594 |
| Pretax return on assets | 1.3422% | 2,047 |
| Return on Equity (ROE) | 10.6800% | 2,583 |
| Retained earnings to average equity (ytd only) | 8.4367% | 2,098 |
| Net charge-offs to loans | -0.1314% | 4,545 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.6888% | 2,500 |
| Assets per employee ($millions) | 4.7091% | 3,881 |
| Cash dividends to net income (ytd only)* | 21.0356% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 1,533 |
| Loan loss allowance to noncurrent loans | 154.4279% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.8130% | 586 |
| Noncurrent loans to loans | 0.9210% | 818 |
| Net loans and leases to total assets | 81.5800% | 408 |
| Net loans and leases to deposits | 109.5216% | 187 |
| Net loans and leases to core deposits | 119.0946% | 458 |
| Total domestic deposits to total assets | 74.4900% | 4,260 |
| Equity capital to assets | 8.8900% | 2,602 |
| Core capital (leverage) ratio | 10.4256% | 2,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $127,853,000 | 3,638 |
| Average earning assets | $119,416,000 | 3,617 |
| Average equity | $11,568,500 | 3,611 |
| Average total loans | $103,483,000 | 3,169 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9522% | 327 |
| Cost of funding earning assets | 0.7428% | 489 |
| Net interest margin | 4.2094% | 519 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.9958% | 973 |
| Loan and lease loss provision to assets | 0.2600% | 356 |
| Net operating income to assets | 1.0023% | 2,558 |
| Return on assets (ROA) | 1.0016% | 2,507 |
| Pretax return on assets | 1.2956% | 2,103 |
| Return on Equity (ROE) | 10.8000% | 2,542 |
| Retained earnings to average equity (ytd only) | 10.1509% | 1,107 |
| Net charge-offs to loans | 0.2115% | 391 |
| Credit loss provision to net charge-offs | 163.0208% | 1,250 |
| Earnings coverage of net charge-offs (x) | 9.7604% | 2,216 |
| Efficiency ratio | 65.8092% | 2,259 |
| Assets per employee ($millions) | 4.1283% | 4,237 |
| Cash dividends to net income (ytd only)* | 5.9701% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4748% | 1,279 |
| Loan loss allowance to noncurrent loans | 114.0711% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 1.1199% | 357 |
| Noncurrent loans to loans | 1.2929% | 530 |
| Net loans and leases to total assets | 77.8400% | 813 |
| Net loans and leases to deposits | 107.0861% | 225 |
| Net loans and leases to core deposits | 114.2356% | 483 |
| Total domestic deposits to total assets | 72.6900% | 4,405 |
| Equity capital to assets | 9.2168% | 2,215 |
| Core capital (leverage) ratio | 10.5085% | 2,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $120,403,600 | 3,724 |
| Average earning assets | $112,819,200 | 3,698 |
| Average equity | $11,171,400 | 3,747 |
| Average total loans | $90,759,000 | 3,279 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7781% | 296 |
| Cost of funding earning assets | 0.5584% | 553 |
| Net interest margin | 4.2197% | 401 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 3.0750% | 822 |
| Loan and lease loss provision to assets | 0.2700% | 282 |
| Net operating income to assets | 1.0895% | 2,143 |
| Return on assets (ROA) | 1.0886% | 2,112 |
| Pretax return on assets | 1.3194% | 1,982 |
| Return on Equity (ROE) | 11.7100% | 2,132 |
| Retained earnings to average equity (ytd only) | 11.7124% | 862 |
| Net charge-offs to loans | 0.3161% | 205 |
| Credit loss provision to net charge-offs | 112.7962% | 1,253 |
| Earnings coverage of net charge-offs (x) | 6.7393% | 2,098 |
| Efficiency ratio | 65.9727% | 2,283 |
| Assets per employee ($millions) | 4.4305% | 4,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 1,441 |
| Loan loss allowance to noncurrent loans | 101.5011% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 1.1277% | 385 |
| Noncurrent loans to loans | 1.4313% | 498 |
| Net loans and leases to total assets | 77.6500% | 738 |
| Net loans and leases to deposits | 106.1516% | 188 |
| Net loans and leases to core deposits | 113.5028% | 374 |
| Total domestic deposits to total assets | 73.1500% | 4,476 |
| Equity capital to assets | 8.8163% | 2,340 |
| Core capital (leverage) ratio | 10.7129% | 1,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $119,542,000 | 3,758 |
| Average earning assets | $112,231,750 | 3,725 |
| Average equity | $11,110,500 | 3,796 |
| Average total loans | $88,988,000 | 3,317 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 269 |
| Cost of funding earning assets | 0.4970% | 525 |
| Net interest margin | 4.1706% | 351 |
| Noninterest income to average assets | 0.4507% | 2,444 |
| Noninterest expense to average assets | 3.1939% | 638 |
| Loan and lease loss provision to assets | 0.2762% | 245 |
| Net operating income to assets | 0.7540% | 3,128 |
| Return on assets (ROA) | 0.7540% | 3,082 |
| Pretax return on assets | 0.9048% | 3,050 |
| Return on Equity (ROE) | 7.9690% | 3,025 |
| Retained earnings to average equity (ytd only) | 7.9690% | 1,632 |
| Net charge-offs to loans | 0.5437% | 122 |
| Credit loss provision to net charge-offs | 69.6581% | 1,432 |
| Earnings coverage of net charge-offs (x) | 2.9786% | 2,012 |
| Efficiency ratio | 73.0054% | 1,627 |
| Assets per employee ($millions) | 4.1262% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 1,483 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.1443% | 375 |
| Noncurrent loans to loans | 1.4720% | 504 |
| Net loans and leases to total assets | 76.5911% | 675 |
| Net loans and leases to deposits | 91.7307% | 624 |
| Net loans and leases to core deposits | 96.1439% | 825 |
| Total domestic deposits to total assets | 83.4956% | 3,786 |
| Equity capital to assets | 9.1645% | 2,266 |
| Core capital (leverage) ratio | 10.0926% | 2,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,038,000 | 3,814 |
| Average earning assets | $111,062,333 | 3,792 |
| Average equity | $11,168,333 | 3,871 |
| Average total loans | $86,069,667 | 3,376 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5481% | 286 |
| Cost of funding earning assets | 0.4975% | 505 |
| Net interest margin | 4.0507% | 375 |
| Noninterest income to average assets | 0.4594% | 2,361 |
| Noninterest expense to average assets | 3.0145% | 799 |
| Loan and lease loss provision to assets | 0.3621% | 158 |
| Net operating income to assets | 0.5197% | 3,655 |
| Return on assets (ROA) | 0.5197% | 3,622 |
| Pretax return on assets | 0.9054% | 2,758 |
| Return on Equity (ROE) | 5.4108% | 3,511 |
| Retained earnings to average equity (ytd only) | 5.4108% | 2,441 |
| Net charge-offs to loans | 1.1639% | 61 |
| Credit loss provision to net charge-offs | 44.0816% | 1,217 |
| Earnings coverage of net charge-offs (x) | 1.5429% | 1,736 |
| Efficiency ratio | 70.3994% | 2,174 |
| Assets per employee ($millions) | 4.6477% | 4,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4777% | 1,625 |
| Loan loss allowance to noncurrent loans | 91.0080% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.0989% | 432 |
| Noncurrent loans to loans | 1.6237% | 494 |
| Net loans and leases to total assets | 66.6805% | 1,343 |
| Net loans and leases to deposits | 74.8209% | 1,534 |
| Net loans and leases to core deposits | 78.1982% | 1,601 |
| Total domestic deposits to total assets | 89.1201% | 2,021 |
| Equity capital to assets | 8.8757% | 2,817 |
| Core capital (leverage) ratio | 9.6608% | 2,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,290,500 | 3,825 |
| Average earning assets | $112,573,500 | 3,798 |
| Average equity | $11,458,500 | 3,910 |
| Average total loans | $84,199,500 | 3,404 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5672% | 536 |
| Cost of funding earning assets | 0.6983% | 325 |
| Net interest margin | 3.8689% | 887 |
| Noninterest income to average assets | 0.4397% | 2,859 |
| Noninterest expense to average assets | 2.7622% | 1,449 |
| Loan and lease loss provision to assets | 0.2491% | 375 |
| Net operating income to assets | 0.7000% | 3,628 |
| Return on assets (ROA) | 0.7000% | 3,680 |
| Pretax return on assets | 1.0831% | 3,021 |
| Return on Equity (ROE) | 7.5572% | 3,357 |
| Retained earnings to average equity (ytd only) | 5.2390% | 2,698 |
| Net charge-offs to loans | 0.3265% | 261 |
| Credit loss provision to net charge-offs | 112.4031% | 1,696 |
| Earnings coverage of net charge-offs (x) | 6.0116% | 2,418 |
| Efficiency ratio | 67.4638% | 2,056 |
| Assets per employee ($millions) | 4.3497% | 4,230 |
| Cash dividends to net income (ytd only)* | 30.6748% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6701% | 1,115 |
| Loan loss allowance to noncurrent loans | 76.7621% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.7278% | 216 |
| Noncurrent loans to loans | 2.1757% | 338 |
| Net loans and leases to total assets | 72.5721% | 798 |
| Net loans and leases to deposits | 83.0339% | 984 |
| Net loans and leases to core deposits | 85.9180% | 1,206 |
| Total domestic deposits to total assets | 87.4006% | 2,335 |
| Equity capital to assets | 10.4153% | 2,252 |
| Core capital (leverage) ratio | 9.7884% | 2,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,429,800 | 3,840 |
| Average earning assets | $109,980,000 | 3,809 |
| Average equity | $10,784,400 | 4,060 |
| Average total loans | $79,008,200 | 3,499 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5100% | 663 |
| Cost of funding earning assets | 0.7112% | 356 |
| Net interest margin | 3.7988% | 1,120 |
| Noninterest income to average assets | 0.4173% | 2,997 |
| Noninterest expense to average assets | 2.7652% | 1,417 |
| Loan and lease loss provision to assets | 0.2388% | 396 |
| Net operating income to assets | 0.6629% | 3,862 |
| Return on assets (ROA) | 0.6629% | 3,914 |
| Pretax return on assets | 1.0085% | 3,432 |
| Return on Equity (ROE) | 7.3779% | 3,565 |
| Retained earnings to average equity (ytd only) | 6.4920% | 2,621 |
| Net charge-offs to loans | 0.4639% | 168 |
| Credit loss provision to net charge-offs | 77.4908% | 1,724 |
| Earnings coverage of net charge-offs (x) | 4.0480% | 2,285 |
| Efficiency ratio | 68.9147% | 1,716 |
| Assets per employee ($millions) | 4.7020% | 3,965 |
| Cash dividends to net income (ytd only)* | 12.0069% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 1,347 |
| Loan loss allowance to noncurrent loans | 70.6138% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.6836% | 264 |
| Noncurrent loans to loans | 2.2628% | 362 |
| Net loans and leases to total assets | 68.1069% | 1,309 |
| Net loans and leases to deposits | 79.1105% | 1,371 |
| Net loans and leases to core deposits | 82.0025% | 1,573 |
| Total domestic deposits to total assets | 86.0909% | 2,711 |
| Equity capital to assets | 9.2030% | 3,653 |
| Core capital (leverage) ratio | 9.3216% | 3,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,264,000 | 3,878 |
| Average earning assets | $110,980,500 | 3,844 |
| Average equity | $10,535,750 | 4,134 |
| Average total loans | $77,893,250 | 3,561 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5455% | 679 |
| Cost of funding earning assets | 0.7543% | 361 |
| Net interest margin | 3.7912% | 1,152 |
| Noninterest income to average assets | 0.3994% | 3,111 |
| Noninterest expense to average assets | 2.8011% | 1,352 |
| Loan and lease loss provision to assets | 0.2304% | 453 |
| Net operating income to assets | 0.5855% | 4,012 |
| Return on assets (ROA) | 0.5855% | 4,067 |
| Pretax return on assets | 0.9627% | 3,518 |
| Return on Equity (ROE) | 6.5698% | 3,765 |
| Retained earnings to average equity (ytd only) | 5.4206% | 3,031 |
| Net charge-offs to loans | 0.5421% | 148 |
| Credit loss provision to net charge-offs | 64.9038% | 1,538 |
| Earnings coverage of net charge-offs (x) | 3.3606% | 2,077 |
| Efficiency ratio | 70.1282% | 1,621 |
| Assets per employee ($millions) | 4.1873% | 4,340 |
| Cash dividends to net income (ytd only)* | 17.4927% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6562% | 1,159 |
| Loan loss allowance to noncurrent loans | 68.7867% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.7770% | 262 |
| Noncurrent loans to loans | 2.4078% | 352 |
| Net loans and leases to total assets | 67.5948% | 1,504 |
| Net loans and leases to deposits | 78.7713% | 1,551 |
| Net loans and leases to core deposits | 81.7694% | 1,741 |
| Total domestic deposits to total assets | 85.8115% | 2,797 |
| Equity capital to assets | 9.3290% | 3,486 |
| Core capital (leverage) ratio | 8.8449% | 3,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,169,000 | 3,891 |
| Average earning assets | $111,099,333 | 3,859 |
| Average equity | $10,441,667 | 4,154 |
| Average total loans | $76,738,000 | 3,609 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4715% | 812 |
| Cost of funding earning assets | 0.7953% | 361 |
| Net interest margin | 3.6762% | 1,387 |
| Noninterest income to average assets | 0.3925% | 3,124 |
| Noninterest expense to average assets | 2.7041% | 1,611 |
| Loan and lease loss provision to assets | 0.2516% | 416 |
| Net operating income to assets | 0.6240% | 3,880 |
| Return on assets (ROA) | 0.6240% | 3,948 |
| Pretax return on assets | 0.9260% | 3,548 |
| Return on Equity (ROE) | 7.1614% | 3,564 |
| Retained earnings to average equity (ytd only) | 5.2363% | 3,154 |
| Net charge-offs to loans | 0.4826% | 174 |
| Credit loss provision to net charge-offs | 81.5217% | 1,201 |
| Earnings coverage of net charge-offs (x) | 3.8152% | 1,747 |
| Efficiency ratio | 69.6629% | 1,741 |
| Assets per employee ($millions) | 4.1052% | 4,416 |
| Cash dividends to net income (ytd only)* | 26.8817% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7517% | 937 |
| Loan loss allowance to noncurrent loans | 59.9732% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.9992% | 254 |
| Noncurrent loans to loans | 2.9208% | 274 |
| Net loans and leases to total assets | 63.3188% | 2,128 |
| Net loans and leases to deposits | 73.1350% | 2,202 |
| Net loans and leases to core deposits | 75.5449% | 2,390 |
| Total domestic deposits to total assets | 86.5779% | 2,493 |
| Equity capital to assets | 8.7350% | 3,924 |
| Core capital (leverage) ratio | 8.5858% | 4,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,225,500 | 3,874 |
| Average earning assets | $113,161,500 | 3,825 |
| Average equity | $10,389,000 | 4,171 |
| Average total loans | $76,253,500 | 3,624 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8057% | 734 |
| Cost of funding earning assets | 1.0462% | 498 |
| Net interest margin | 3.7596% | 1,618 |
| Noninterest income to average assets | 0.3721% | 3,255 |
| Noninterest expense to average assets | 2.8489% | 1,818 |
| Loan and lease loss provision to assets | 0.6036% | 331 |
| Net operating income to assets | 0.1586% | 4,618 |
| Return on assets (ROA) | 0.1586% | 4,669 |
| Pretax return on assets | 0.4649% | 4,333 |
| Return on Equity (ROE) | 1.7393% | 4,592 |
| Retained earnings to average equity (ytd only) | -0.0395% | 4,521 |
| Net charge-offs to loans | 0.4329% | 385 |
| Credit loss provision to net charge-offs | 193.6416% | 2,192 |
| Earnings coverage of net charge-offs (x) | 3.4277% | 3,087 |
| Efficiency ratio | 72.7231% | 1,602 |
| Assets per employee ($millions) | 4.2578% | 4,168 |
| Cash dividends to net income (ytd only)* | 102.2727% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7959% | 864 |
| Loan loss allowance to noncurrent loans | 39.7837% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 2.9861% | 127 |
| Noncurrent loans to loans | 4.5143% | 111 |
| Net loans and leases to total assets | 62.4238% | 2,554 |
| Net loans and leases to deposits | 71.8662% | 2,698 |
| Net loans and leases to core deposits | 75.9452% | 2,735 |
| Total domestic deposits to total assets | 86.8612% | 2,004 |
| Equity capital to assets | 8.4684% | 4,467 |
| Core capital (leverage) ratio | 8.5558% | 4,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,992,000 | 3,868 |
| Average earning assets | $104,666,400 | 3,838 |
| Average equity | $10,119,200 | 4,181 |
| Average total loans | $79,917,400 | 3,558 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0173% | 584 |
| Cost of funding earning assets | 1.1008% | 540 |
| Net interest margin | 3.9165% | 1,313 |
| Noninterest income to average assets | 0.3647% | 3,275 |
| Noninterest expense to average assets | 2.9154% | 1,666 |
| Loan and lease loss provision to assets | 0.2451% | 1,659 |
| Net operating income to assets | 0.5789% | 3,835 |
| Return on assets (ROA) | 0.5789% | 3,930 |
| Pretax return on assets | 0.8886% | 3,406 |
| Return on Equity (ROE) | 6.2287% | 3,469 |
| Retained earnings to average equity (ytd only) | 3.8583% | 3,115 |
| Net charge-offs to loans | 0.3228% | 488 |
| Credit loss provision to net charge-offs | 102.0408% | 2,607 |
| Earnings coverage of net charge-offs (x) | 4.7245% | 2,794 |
| Efficiency ratio | 72.0073% | 1,642 |
| Assets per employee ($millions) | 4.1640% | 4,176 |
| Cash dividends to net income (ytd only)* | 38.0550% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 2,007 |
| Loan loss allowance to noncurrent loans | 32.1892% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 3.0100% | 149 |
| Noncurrent loans to loans | 4.1571% | 155 |
| Net loans and leases to total assets | 68.2701% | 2,200 |
| Net loans and leases to deposits | 79.5485% | 2,367 |
| Net loans and leases to core deposits | 84.1730% | 2,455 |
| Total domestic deposits to total assets | 85.8219% | 2,142 |
| Equity capital to assets | 9.2433% | 3,916 |
| Core capital (leverage) ratio | 8.9689% | 3,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,935,250 | 3,889 |
| Average earning assets | $102,468,750 | 3,860 |
| Average equity | $10,125,000 | 4,196 |
| Average total loans | $80,951,250 | 3,556 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2121% | 558 |
| Cost of funding earning assets | 1.1310% | 652 |
| Net interest margin | 4.0811% | 1,156 |
| Noninterest income to average assets | 0.3285% | 3,502 |
| Noninterest expense to average assets | 2.9637% | 1,676 |
| Loan and lease loss provision to assets | 0.2320% | 1,813 |
| Net operating income to assets | 0.6477% | 3,589 |
| Return on assets (ROA) | 0.6477% | 3,678 |
| Pretax return on assets | 0.9632% | 3,139 |
| Return on Equity (ROE) | 6.9550% | 3,148 |
| Retained earnings to average equity (ytd only) | 4.5636% | 2,672 |
| Net charge-offs to loans | -0.0146% | 4,311 |
| Credit loss provision to net charge-offs | -2,083.3333% | 3,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2628% | 1,790 |
| Assets per employee ($millions) | 4.2581% | 4,046 |
| Cash dividends to net income (ytd only)* | 34.3840% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 1,420 |
| Loan loss allowance to noncurrent loans | 44.3432% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 2.4215% | 240 |
| Noncurrent loans to loans | 3.2635% | 268 |
| Net loans and leases to total assets | 69.1873% | 2,158 |
| Net loans and leases to deposits | 80.3515% | 2,386 |
| Net loans and leases to core deposits | 84.9629% | 2,522 |
| Total domestic deposits to total assets | 86.1058% | 1,966 |
| Equity capital to assets | 8.9659% | 4,121 |
| Core capital (leverage) ratio | 8.9584% | 3,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,771,333 | 3,896 |
| Average earning assets | $101,149,333 | 3,871 |
| Average equity | $10,036,000 | 4,215 |
| Average total loans | $82,003,333 | 3,545 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5899% | 309 |
| Cost of funding earning assets | 1.1779% | 828 |
| Net interest margin | 4.4120% | 610 |
| Noninterest income to average assets | 0.2841% | 3,820 |
| Noninterest expense to average assets | 3.2369% | 1,346 |
| Loan and lease loss provision to assets | 0.1920% | 1,564 |
| Net operating income to assets | 0.6835% | 3,328 |
| Return on assets (ROA) | 0.6835% | 3,398 |
| Pretax return on assets | 0.9830% | 2,894 |
| Return on Equity (ROE) | 7.1919% | 2,871 |
| Retained earnings to average equity (ytd only) | 4.7677% | 2,385 |
| Net charge-offs to loans | 0.0726% | 1,304 |
| Credit loss provision to net charge-offs | 333.3333% | 1,098 |
| Earnings coverage of net charge-offs (x) | 20.4000% | 1,414 |
| Efficiency ratio | 73.3681% | 1,898 |
| Assets per employee ($millions) | 4.1156% | 3,763 |
| Cash dividends to net income (ytd only)* | 33.7079% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 2,222 |
| Loan loss allowance to noncurrent loans | 80.4658% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.3840% | 820 |
| Noncurrent loans to loans | 1.5949% | 983 |
| Net loans and leases to total assets | 76.9899% | 1,134 |
| Net loans and leases to deposits | 89.9496% | 1,516 |
| Net loans and leases to core deposits | 95.9169% | 1,796 |
| Total domestic deposits to total assets | 85.5923% | 2,172 |
| Equity capital to assets | 9.2136% | 4,458 |
| Core capital (leverage) ratio | 9.5327% | 3,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5545% | 2,910 |
| Memoranda: | ||
| Average total assets | $104,172,500 | 3,929 |
| Average earning assets | $97,461,500 | 3,906 |
| Average equity | $9,900,000 | 4,253 |
| Average total loans | $82,649,000 | 3,539 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7382% | 371 |
| Cost of funding earning assets | 1.1900% | 1,047 |
| Net interest margin | 4.5481% | 655 |
| Noninterest income to average assets | 0.3172% | 3,800 |
| Noninterest expense to average assets | 2.9317% | 2,202 |
| Loan and lease loss provision to assets | 0.4012% | 359 |
| Net operating income to assets | 1.1124% | 2,389 |
| Return on assets (ROA) | 1.1124% | 2,486 |
| Pretax return on assets | 1.2316% | 2,729 |
| Return on Equity (ROE) | 11.3610% | 1,741 |
| Retained earnings to average equity (ytd only) | 9.6669% | 556 |
| Net charge-offs to loans | 0.2556% | 808 |
| Credit loss provision to net charge-offs | 190.6404% | 1,384 |
| Earnings coverage of net charge-offs (x) | 7.7586% | 2,846 |
| Efficiency ratio | 64.2289% | 3,043 |
| Assets per employee ($millions) | 3.7533% | 4,208 |
| Cash dividends to net income (ytd only)* | 14.9115% | 3,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 2,083 |
| Loan loss allowance to noncurrent loans | 80.5599% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 1.5029% | 671 |
| Noncurrent loans to loans | 1.5713% | 898 |
| Net loans and leases to total assets | 79.7395% | 822 |
| Net loans and leases to deposits | 94.0536% | 1,144 |
| Net loans and leases to core deposits | 101.6325% | 1,436 |
| Total domestic deposits to total assets | 84.7809% | 2,581 |
| Equity capital to assets | 9.8096% | 4,094 |
| Core capital (leverage) ratio | 9.7281% | 3,815 |
| Tier 1 risk-based capital ratio | 11.5688% | 4,589 |
| Total risk-based capital ratio | 12.7898% | 4,489 |
| Memoranda: | ||
| Average total assets | $96,462,400 | 4,056 |
| Average earning assets | $90,081,200 | 4,043 |
| Average equity | $9,444,600 | 4,313 |
| Average total loans | $79,418,000 | 3,611 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6752% | 432 |
| Cost of funding earning assets | 1.1749% | 1,095 |
| Net interest margin | 4.5003% | 763 |
| Noninterest income to average assets | 0.3542% | 3,608 |
| Noninterest expense to average assets | 2.9286% | 2,167 |
| Loan and lease loss provision to assets | 0.2758% | 560 |
| Net operating income to assets | 0.9645% | 3,103 |
| Return on assets (ROA) | 0.9645% | 3,183 |
| Pretax return on assets | 1.3537% | 2,480 |
| Return on Equity (ROE) | 9.8561% | 2,494 |
| Retained earnings to average equity (ytd only) | 8.7118% | 1,130 |
| Net charge-offs to loans | 0.3130% | 555 |
| Credit loss provision to net charge-offs | 106.4865% | 2,144 |
| Earnings coverage of net charge-offs (x) | 6.2919% | 2,849 |
| Efficiency ratio | 64.2506% | 2,963 |
| Assets per employee ($millions) | 4.8786% | 2,690 |
| Cash dividends to net income (ytd only)* | 11.6106% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 3,310 |
| Loan loss allowance to noncurrent loans | 59.5041% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 1.7331% | 580 |
| Noncurrent loans to loans | 1.7591% | 818 |
| Net loans and leases to total assets | 83.7095% | 384 |
| Net loans and leases to deposits | 98.3563% | 783 |
| Net loans and leases to core deposits | 107.1469% | 1,102 |
| Total domestic deposits to total assets | 85.1084% | 2,386 |
| Equity capital to assets | 9.8953% | 4,120 |
| Core capital (leverage) ratio | 9.9518% | 3,688 |
| Tier 1 risk-based capital ratio | 11.1672% | 4,838 |
| Total risk-based capital ratio | 12.1819% | 4,822 |
| Memoranda: | ||
| Average total assets | $95,243,000 | 4,115 |
| Average earning assets | $88,969,250 | 4,108 |
| Average equity | $9,320,500 | 4,375 |
| Average total loans | $78,811,500 | 3,661 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6177% | 460 |
| Cost of funding earning assets | 1.1444% | 1,151 |
| Net interest margin | 4.4733% | 816 |
| Noninterest income to average assets | 0.3620% | 3,509 |
| Noninterest expense to average assets | 2.9365% | 2,177 |
| Loan and lease loss provision to assets | 0.2308% | 705 |
| Net operating income to assets | 1.0967% | 2,529 |
| Return on assets (ROA) | 1.0967% | 2,598 |
| Pretax return on assets | 1.3740% | 2,291 |
| Return on Equity (ROE) | 11.2499% | 1,890 |
| Retained earnings to average equity (ytd only) | 10.3811% | 657 |
| Net charge-offs to loans | 0.2733% | 620 |
| Credit loss provision to net charge-offs | 102.8302% | 1,925 |
| Earnings coverage of net charge-offs (x) | 7.1509% | 2,513 |
| Efficiency ratio | 64.6620% | 3,024 |
| Assets per employee ($millions) | 3.7294% | 4,209 |
| Cash dividends to net income (ytd only)* | 7.7220% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 3,049 |
| Loan loss allowance to noncurrent loans | 84.0864% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 1.3493% | 915 |
| Noncurrent loans to loans | 1.3132% | 1,196 |
| Net loans and leases to total assets | 82.2288% | 566 |
| Net loans and leases to deposits | 96.9315% | 941 |
| Net loans and leases to core deposits | 105.6442% | 1,268 |
| Total domestic deposits to total assets | 84.8319% | 2,551 |
| Equity capital to assets | 10.1915% | 3,799 |
| Core capital (leverage) ratio | 10.0224% | 3,563 |
| Tier 1 risk-based capital ratio | 11.7589% | 4,541 |
| Total risk-based capital ratio | 12.8323% | 4,536 |
| Memoranda: | ||
| Average total assets | $94,466,670 | 4,152 |
| Average earning assets | $88,256,330 | 4,142 |
| Average equity | $9,209,000 | 4,410 |
| Average total loans | $77,568,330 | 3,704 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4514% | 568 |
| Cost of funding earning assets | 1.1254% | 1,103 |
| Net interest margin | 4.3260% | 1,048 |
| Noninterest income to average assets | 0.3029% | 3,855 |
| Noninterest expense to average assets | 2.8523% | 2,409 |
| Loan and lease loss provision to assets | 0.2566% | 560 |
| Net operating income to assets | 1.1232% | 2,379 |
| Return on assets (ROA) | 1.1232% | 2,426 |
| Pretax return on assets | 1.2368% | 2,676 |
| Return on Equity (ROE) | 11.7848% | 1,617 |
| Retained earnings to average equity (ytd only) | 11.7848% | 655 |
| Net charge-offs to loans | -0.0155% | 4,389 |
| Credit loss provision to net charge-offs | -2,033.3333% | 4,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6341% | 2,991 |
| Assets per employee ($millions) | 3.6821% | 4,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 2,684 |
| Loan loss allowance to noncurrent loans | 74.0113% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.4509% | 843 |
| Noncurrent loans to loans | 1.5961% | 992 |
| Net loans and leases to total assets | 80.1264% | 818 |
| Net loans and leases to deposits | 93.6298% | 1,214 |
| Net loans and leases to core deposits | 103.2464% | 1,369 |
| Total domestic deposits to total assets | 85.5779% | 2,454 |
| Equity capital to assets | 9.6287% | 4,151 |
| Core capital (leverage) ratio | 9.5481% | 4,073 |
| Tier 1 risk-based capital ratio | 11.4057% | 4,779 |
| Total risk-based capital ratio | 12.5451% | 4,753 |
| Memoranda: | ||
| Average total assets | $95,082,500 | 4,182 |
| Average earning assets | $88,858,000 | 4,167 |
| Average equity | $9,062,500 | 4,458 |
| Average total loans | $77,591,500 | 3,741 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2014% | 700 |
| Cost of funding earning assets | 1.0312% | 665 |
| Net interest margin | 4.1702% | 1,476 |
| Noninterest income to average assets | -0.4540% | 5,396 |
| Noninterest expense to average assets | 2.7788% | 2,758 |
| Loan and lease loss provision to assets | 0.6057% | 184 |
| Net operating income to assets | 0.0876% | 5,189 |
| Return on assets (ROA) | 0.0876% | 5,180 |
| Pretax return on assets | 0.0716% | 5,197 |
| Return on Equity (ROE) | 0.9578% | 5,165 |
| Retained earnings to average equity (ytd only) | 0.9578% | 4,714 |
| Net charge-offs to loans | 0.7889% | 193 |
| Credit loss provision to net charge-offs | 93.8742% | 2,665 |
| Earnings coverage of net charge-offs (x) | 1.0497% | 3,656 |
| Efficiency ratio | 80.4019% | 924 |
| Assets per employee ($millions) | 3.4974% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 3,100 |
| Loan loss allowance to noncurrent loans | 81.0066% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 1.3057% | 973 |
| Noncurrent loans to loans | 1.3577% | 1,152 |
| Net loans and leases to total assets | 81.2284% | 778 |
| Net loans and leases to deposits | 99.6091% | 776 |
| Net loans and leases to core deposits | 104.8886% | 1,353 |
| Total domestic deposits to total assets | 81.5472% | 3,771 |
| Equity capital to assets | 9.4324% | 4,185 |
| Core capital (leverage) ratio | 9.4298% | 4,196 |
| Tier 1 risk-based capital ratio | 11.3922% | 4,776 |
| Total risk-based capital ratio | 12.4840% | 4,768 |
| Memoranda: | ||
| Average total assets | $93,603,000 | 4,203 |
| Average earning assets | $87,765,200 | 4,189 |
| Average equity | $8,561,600 | 4,520 |
| Average total loans | $76,559,600 | 3,738 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1201% | 726 |
| Cost of funding earning assets | 1.0030% | 587 |
| Net interest margin | 4.1170% | 1,580 |
| Noninterest income to average assets | -0.5496% | 5,471 |
| Noninterest expense to average assets | 2.8494% | 2,459 |
| Loan and lease loss provision to assets | 0.8094% | 112 |
| Net operating income to assets | -0.4297% | 5,380 |
| Return on assets (ROA) | -0.4297% | 5,376 |
| Pretax return on assets | -0.3412% | 5,366 |
| Return on Equity (ROE) | -4.7352% | 5,391 |
| Retained earnings to average equity (ytd only) | -4.7352% | 5,308 |
| Net charge-offs to loans | 0.9540% | 148 |
| Credit loss provision to net charge-offs | 103.8462% | 2,202 |
| Earnings coverage of net charge-offs (x) | 0.6007% | 3,401 |
| Efficiency ratio | 85.8864% | 525 |
| Assets per employee ($millions) | 3.6348% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 2,739 |
| Loan loss allowance to noncurrent loans | 97.3291% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 1.7692% | 667 |
| Noncurrent loans to loans | 1.2130% | 1,392 |
| Net loans and leases to total assets | 80.6865% | 913 |
| Net loans and leases to deposits | 98.5397% | 907 |
| Net loans and leases to core deposits | 105.1592% | 1,364 |
| Total domestic deposits to total assets | 81.8822% | 3,648 |
| Equity capital to assets | 9.0017% | 4,551 |
| Core capital (leverage) ratio | 9.2099% | 4,500 |
| Tier 1 risk-based capital ratio | 10.9716% | 5,048 |
| Total risk-based capital ratio | 12.1447% | 4,989 |
| Memoranda: | ||
| Average total assets | $93,396,250 | 4,252 |
| Average earning assets | $87,731,250 | 4,231 |
| Average equity | $8,475,250 | 4,577 |
| Average total loans | $76,310,250 | 3,775 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0394% | 748 |
| Cost of funding earning assets | 0.9832% | 503 |
| Net interest margin | 4.0562% | 1,683 |
| Noninterest income to average assets | -1.0169% | 5,539 |
| Noninterest expense to average assets | 2.8379% | 2,547 |
| Loan and lease loss provision to assets | 1.2190% | 57 |
| Net operating income to assets | -1.2964% | 5,489 |
| Return on assets (ROA) | -1.2964% | 5,483 |
| Pretax return on assets | -1.2598% | 5,478 |
| Return on Equity (ROE) | -14.2475% | 5,497 |
| Retained earnings to average equity (ytd only) | -14.2475% | 5,468 |
| Net charge-offs to loans | 1.3969% | 92 |
| Credit loss provision to net charge-offs | 106.7797% | 1,933 |
| Earnings coverage of net charge-offs (x) | -0.0358% | 3,144 |
| Efficiency ratio | 101.4604% | 152 |
| Assets per employee ($millions) | 3.8813% | 4,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 2,644 |
| Loan loss allowance to noncurrent loans | 114.8883% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 1.6554% | 752 |
| Noncurrent loans to loans | 1.0563% | 1,665 |
| Net loans and leases to total assets | 80.9202% | 871 |
| Net loans and leases to deposits | 98.7153% | 908 |
| Net loans and leases to core deposits | 105.4164% | 1,285 |
| Total domestic deposits to total assets | 81.9734% | 3,728 |
| Equity capital to assets | 8.8136% | 4,708 |
| Core capital (leverage) ratio | 8.7143% | 4,947 |
| Tier 1 risk-based capital ratio | 10.8013% | 5,154 |
| Total risk-based capital ratio | 12.0196% | 5,057 |
| Memoranda: | ||
| Average total assets | $93,027,000 | 4,298 |
| Average earning assets | $87,470,330 | 4,266 |
| Average equity | $8,464,670 | 4,620 |
| Average total loans | $76,026,000 | 3,807 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8913% | 885 |
| Cost of funding earning assets | 0.9271% | 526 |
| Net interest margin | 3.9642% | 1,832 |
| Noninterest income to average assets | -0.0473% | 5,584 |
| Noninterest expense to average assets | 3.4249% | 1,121 |
| Loan and lease loss provision to assets | 0.2883% | 461 |
| Net operating income to assets | -0.0602% | 5,410 |
| Return on assets (ROA) | -0.0516% | 5,402 |
| Pretax return on assets | -0.0172% | 5,394 |
| Return on Equity (ROE) | -0.5587% | 5,404 |
| Retained earnings to average equity (ytd only) | -0.5587% | 4,868 |
| Net charge-offs to loans | 0.8539% | 170 |
| Credit loss provision to net charge-offs | 41.3580% | 2,007 |
| Earnings coverage of net charge-offs (x) | 0.3765% | 2,643 |
| Efficiency ratio | 92.8821% | 339 |
| Assets per employee ($millions) | 3.8326% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0512% | 3,655 |
| Loan loss allowance to noncurrent loans | 172.0779% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 1.6177% | 832 |
| Noncurrent loans to loans | 0.6109% | 2,712 |
| Net loans and leases to total assets | 78.1026% | 1,224 |
| Net loans and leases to deposits | 95.4235% | 1,084 |
| Net loans and leases to core deposits | 103.4920% | 1,416 |
| Total domestic deposits to total assets | 81.8484% | 4,008 |
| Equity capital to assets | 9.1791% | 4,383 |
| Core capital (leverage) ratio | 9.5311% | 4,034 |
| Tier 1 risk-based capital ratio | 11.4699% | 4,875 |
| Total risk-based capital ratio | 12.5067% | 4,895 |
| Memoranda: | ||
| Average total assets | $92,965,000 | 4,348 |
| Average earning assets | $87,584,000 | 4,312 |
| Average equity | $8,592,000 | 4,648 |
| Average total loans | $75,887,000 | 3,840 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6652% | 1,274 |
| Cost of funding earning assets | 0.8255% | 539 |
| Net interest margin | 3.8398% | 2,287 |
| Noninterest income to average assets | 0.2637% | 4,554 |
| Noninterest expense to average assets | 2.8854% | 2,503 |
| Loan and lease loss provision to assets | 0.0875% | 2,436 |
| Net operating income to assets | 0.6296% | 3,891 |
| Return on assets (ROA) | 0.6296% | 3,929 |
| Pretax return on assets | 0.8720% | 4,008 |
| Return on Equity (ROE) | 7.0465% | 3,251 |
| Retained earnings to average equity (ytd only) | 5.3508% | 1,900 |
| Net charge-offs to loans | 0.0272% | 3,263 |
| Credit loss provision to net charge-offs | 390.0000% | 777 |
| Earnings coverage of net charge-offs (x) | 42.7500% | 1,201 |
| Efficiency ratio | 75.0438% | 1,757 |
| Assets per employee ($millions) | 3.6046% | 4,563 |
| Cash dividends to net income (ytd only)* | 24.0642% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 2,961 |
| Loan loss allowance to noncurrent loans | 102.8902% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 2.1905% | 476 |
| Noncurrent loans to loans | 1.1360% | 1,560 |
| Net loans and leases to total assets | 83.5100% | 496 |
| Net loans and leases to deposits | 102.7849% | 560 |
| Net loans and leases to core deposits | 112.1234% | 892 |
| Total domestic deposits to total assets | 81.2473% | 4,061 |
| Equity capital to assets | 9.3092% | 4,417 |
| Core capital (leverage) ratio | 9.4884% | 4,069 |
| Tier 1 risk-based capital ratio | 10.9597% | 5,171 |
| Total risk-based capital ratio | 12.1215% | 5,110 |
| Memoranda: | ||
| Average total assets | $89,103,200 | 4,438 |
| Average earning assets | $83,103,800 | 4,420 |
| Average equity | $7,961,400 | 4,785 |
| Average total loans | $73,446,000 | 3,886 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5863% | 1,404 |
| Cost of funding earning assets | 0.8098% | 542 |
| Net interest margin | 3.7765% | 2,482 |
| Noninterest income to average assets | 0.3031% | 4,366 |
| Noninterest expense to average assets | 2.8692% | 2,508 |
| Loan and lease loss provision to assets | 0.0825% | 2,440 |
| Net operating income to assets | 0.5357% | 4,634 |
| Return on assets (ROA) | 0.5357% | 4,666 |
| Pretax return on assets | 0.8644% | 4,160 |
| Return on Equity (ROE) | 6.0601% | 4,098 |
| Retained earnings to average equity (ytd only) | 6.0601% | 2,192 |
| Net charge-offs to loans | 0.0257% | 2,930 |
| Credit loss provision to net charge-offs | 392.8571% | 777 |
| Earnings coverage of net charge-offs (x) | 45.0621% | 1,200 |
| Efficiency ratio | 75.1868% | 1,708 |
| Assets per employee ($millions) | 3.5512% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 3,041 |
| Loan loss allowance to noncurrent loans | 110.5063% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 2.1559% | 577 |
| Noncurrent loans to loans | 1.0676% | 1,811 |
| Net loans and leases to total assets | 82.3652% | 625 |
| Net loans and leases to deposits | 109.8256% | 279 |
| Net loans and leases to core deposits | 120.8864% | 558 |
| Total domestic deposits to total assets | 74.9963% | 5,125 |
| Equity capital to assets | 9.5912% | 4,354 |
| Core capital (leverage) ratio | 9.8267% | 3,785 |
| Tier 1 risk-based capital ratio | 11.3771% | 5,028 |
| Total risk-based capital ratio | 12.5435% | 4,971 |
| Memoranda: | ||
| Average total assets | $88,850,250 | 4,486 |
| Average earning assets | $82,650,000 | 4,469 |
| Average equity | $7,854,500 | 4,854 |
| Average total loans | $72,771,250 | 3,931 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4365% | 1,710 |
| Cost of funding earning assets | 0.7934% | 547 |
| Net interest margin | 3.6430% | 2,862 |
| Noninterest income to average assets | 0.2925% | 4,460 |
| Noninterest expense to average assets | 2.9052% | 2,405 |
| Loan and lease loss provision to assets | 0.0675% | 2,619 |
| Net operating income to assets | 0.4253% | 4,911 |
| Return on assets (ROA) | 0.4253% | 4,939 |
| Pretax return on assets | 0.7089% | 4,526 |
| Return on Equity (ROE) | 4.9513% | 4,495 |
| Retained earnings to average equity (ytd only) | 4.9513% | 2,743 |
| Net charge-offs to loans | 0.0332% | 2,533 |
| Credit loss provision to net charge-offs | 250.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 28.7500% | 1,496 |
| Efficiency ratio | 78.9120% | 1,345 |
| Assets per employee ($millions) | 3.5182% | 4,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 3,245 |
| Loan loss allowance to noncurrent loans | 54.6272% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 1.9681% | 657 |
| Noncurrent loans to loans | 2.1248% | 779 |
| Net loans and leases to total assets | 82.2942% | 626 |
| Net loans and leases to deposits | 107.6730% | 331 |
| Net loans and leases to core deposits | 118.3857% | 624 |
| Total domestic deposits to total assets | 76.4297% | 5,038 |
| Equity capital to assets | 9.4936% | 4,407 |
| Core capital (leverage) ratio | 9.8703% | 3,690 |
| Tier 1 risk-based capital ratio | 11.3772% | 5,034 |
| Total risk-based capital ratio | 12.5357% | 4,981 |
| Memoranda: | ||
| Average total assets | $88,874,000 | 4,514 |
| Average earning assets | $82,678,670 | 4,493 |
| Average equity | $7,634,330 | 4,910 |
| Average total loans | $72,363,000 | 3,967 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3307% | 1,876 |
| Cost of funding earning assets | 0.7932% | 508 |
| Net interest margin | 3.5376% | 3,134 |
| Noninterest income to average assets | 0.2328% | 4,876 |
| Noninterest expense to average assets | 2.9149% | 2,413 |
| Loan and lease loss provision to assets | 0.0672% | 2,465 |
| Net operating income to assets | 0.3493% | 5,076 |
| Return on assets (ROA) | 0.3493% | 5,098 |
| Pretax return on assets | 0.5060% | 4,961 |
| Return on Equity (ROE) | 4.2878% | 4,675 |
| Retained earnings to average equity (ytd only) | 4.2878% | 3,289 |
| Net charge-offs to loans | -0.0222% | 4,798 |
| Credit loss provision to net charge-offs | -375.0000% | 4,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5687% | 1,015 |
| Assets per employee ($millions) | 3.5718% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 3,261 |
| Loan loss allowance to noncurrent loans | 59.0153% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 1.8108% | 781 |
| Noncurrent loans to loans | 1.9981% | 893 |
| Net loans and leases to total assets | 79.8647% | 848 |
| Net loans and leases to deposits | 102.4420% | 476 |
| Net loans and leases to core deposits | 113.0708% | 721 |
| Total domestic deposits to total assets | 77.9609% | 4,969 |
| Equity capital to assets | 8.1941% | 5,423 |
| Core capital (leverage) ratio | 8.6374% | 5,115 |
| Tier 1 risk-based capital ratio | 10.1823% | 5,655 |
| Total risk-based capital ratio | 11.3654% | 5,624 |
| Memoranda: | ||
| Average total assets | $89,334,000 | 4,554 |
| Average earning assets | $82,203,500 | 4,550 |
| Average equity | $7,276,500 | 5,013 |
| Average total loans | $71,929,000 | 4,004 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4478% | 1,694 |
| Cost of funding earning assets | 0.8265% | 442 |
| Net interest margin | 3.6213% | 2,995 |
| Noninterest income to average assets | 0.2301% | 5,035 |
| Noninterest expense to average assets | 2.7387% | 3,232 |
| Loan and lease loss provision to assets | 0.1249% | 1,987 |
| Net operating income to assets | 0.4730% | 4,734 |
| Return on assets (ROA) | 0.4730% | 4,812 |
| Pretax return on assets | 0.7668% | 4,282 |
| Return on Equity (ROE) | 5.9298% | 4,010 |
| Retained earnings to average equity (ytd only) | 5.1614% | 2,228 |
| Net charge-offs to loans | 0.0980% | 2,317 |
| Credit loss provision to net charge-offs | 154.2857% | 1,778 |
| Earnings coverage of net charge-offs (x) | 11.0143% | 2,572 |
| Efficiency ratio | 75.4380% | 2,072 |
| Assets per employee ($millions) | 3.5749% | 4,649 |
| Cash dividends to net income (ytd only)* | 12.9584% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 3,364 |
| Loan loss allowance to noncurrent loans | 83.5341% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.3103% | 1,338 |
| Noncurrent loans to loans | 1.3893% | 1,469 |
| Net loans and leases to total assets | 79.2855% | 993 |
| Net loans and leases to deposits | 105.7723% | 353 |
| Net loans and leases to core deposits | 119.0928% | 510 |
| Total domestic deposits to total assets | 74.9586% | 5,358 |
| Equity capital to assets | 8.0965% | 5,520 |
| Core capital (leverage) ratio | 8.2717% | 5,456 |
| Tier 1 risk-based capital ratio | 10.2617% | 5,669 |
| Total risk-based capital ratio | 11.4394% | 5,636 |
| Memoranda: | ||
| Average total assets | $86,465,600 | 4,611 |
| Average earning assets | $81,186,400 | 4,563 |
| Average equity | $6,897,400 | 5,110 |
| Average total loans | $71,458,800 | 4,008 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3904% | 1,888 |
| Cost of funding earning assets | 0.8167% | 458 |
| Net interest margin | 3.5737% | 3,184 |
| Noninterest income to average assets | 0.2473% | 4,989 |
| Noninterest expense to average assets | 2.7431% | 3,201 |
| Loan and lease loss provision to assets | 0.1306% | 1,794 |
| Net operating income to assets | 0.4798% | 4,766 |
| Return on assets (ROA) | 0.4759% | 4,867 |
| Pretax return on assets | 0.7698% | 4,412 |
| Return on Equity (ROE) | 5.9886% | 4,068 |
| Retained earnings to average equity (ytd only) | 5.9886% | 2,189 |
| Net charge-offs to loans | 0.0411% | 2,814 |
| Credit loss provision to net charge-offs | 381.8182% | 871 |
| Earnings coverage of net charge-offs (x) | 26.5022% | 1,596 |
| Efficiency ratio | 75.1598% | 2,082 |
| Assets per employee ($millions) | 4.1972% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 3,418 |
| Loan loss allowance to noncurrent loans | 89.4462% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.2843% | 1,500 |
| Noncurrent loans to loans | 1.3092% | 1,699 |
| Net loans and leases to total assets | 81.9587% | 627 |
| Net loans and leases to deposits | 108.4147% | 295 |
| Net loans and leases to core deposits | 125.9392% | 367 |
| Total domestic deposits to total assets | 75.5973% | 5,276 |
| Equity capital to assets | 8.1800% | 5,680 |
| Core capital (leverage) ratio | 8.1530% | 5,611 |
| Tier 1 risk-based capital ratio | 9.9613% | 5,803 |
| Total risk-based capital ratio | 11.1443% | 5,786 |
| Memoranda: | ||
| Average total assets | $85,739,000 | 4,654 |
| Average earning assets | $81,631,500 | 4,589 |
| Average equity | $6,812,750 | 5,173 |
| Average total loans | $71,400,750 | 4,032 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3420% | 2,012 |
| Cost of funding earning assets | 0.8106% | 463 |
| Net interest margin | 3.5315% | 3,364 |
| Noninterest income to average assets | 0.2519% | 4,970 |
| Noninterest expense to average assets | 2.6537% | 3,537 |
| Loan and lease loss provision to assets | 0.1413% | 1,610 |
| Net operating income to assets | 0.4997% | 4,682 |
| Return on assets (ROA) | 0.4921% | 4,811 |
| Pretax return on assets | 0.8100% | 4,244 |
| Return on Equity (ROE) | 6.2572% | 3,931 |
| Retained earnings to average equity (ytd only) | 6.2572% | 1,987 |
| Net charge-offs to loans | 0.0226% | 3,042 |
| Credit loss provision to net charge-offs | 750.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 51.1250% | 981 |
| Efficiency ratio | 73.3724% | 2,459 |
| Assets per employee ($millions) | 4.3658% | 3,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1567% | 3,600 |
| Loan loss allowance to noncurrent loans | 91.1638% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.2690% | 1,608 |
| Noncurrent loans to loans | 1.2688% | 1,795 |
| Net loans and leases to total assets | 82.7945% | 537 |
| Net loans and leases to deposits | 111.3435% | 221 |
| Net loans and leases to core deposits | 139.3124% | 191 |
| Total domestic deposits to total assets | 74.3595% | 5,485 |
| Equity capital to assets | 8.1544% | 5,754 |
| Core capital (leverage) ratio | 8.1291% | 5,648 |
| Tier 1 risk-based capital ratio | 9.5880% | 5,934 |
| Total risk-based capital ratio | 10.7286% | 5,935 |
| Memoranda: | ||
| Average total assets | $84,938,000 | 4,707 |
| Average earning assets | $80,929,670 | 4,644 |
| Average equity | $6,680,330 | 5,252 |
| Average total loans | $70,835,670 | 4,075 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2488% | 2,308 |
| Cost of funding earning assets | 0.8117% | 464 |
| Net interest margin | 3.4371% | 3,732 |
| Noninterest income to average assets | 0.1910% | 5,361 |
| Noninterest expense to average assets | 2.6412% | 3,605 |
| Loan and lease loss provision to assets | 0.1433% | 1,471 |
| Net operating income to assets | 0.4155% | 4,950 |
| Return on assets (ROA) | 0.4155% | 5,026 |
| Pretax return on assets | 0.6830% | 4,577 |
| Return on Equity (ROE) | 5.3866% | 4,300 |
| Retained earnings to average equity (ytd only) | 5.3866% | 2,724 |
| Net charge-offs to loans | 0.0057% | 2,916 |
| Credit loss provision to net charge-offs | 3,000.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 173.0000% | 351 |
| Efficiency ratio | 76.1708% | 2,155 |
| Assets per employee ($millions) | 4.1948% | 3,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 3,712 |
| Loan loss allowance to noncurrent loans | 89.8472% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.0918% | 2,024 |
| Noncurrent loans to loans | 1.2924% | 1,866 |
| Net loans and leases to total assets | 83.5032% | 414 |
| Net loans and leases to deposits | 107.8898% | 285 |
| Net loans and leases to core deposits | 137.6218% | 190 |
| Total domestic deposits to total assets | 77.3967% | 5,232 |
| Equity capital to assets | 8.0899% | 5,785 |
| Core capital (leverage) ratio | 8.0938% | 5,721 |
| Tier 1 risk-based capital ratio | 9.3706% | 6,020 |
| Total risk-based capital ratio | 10.5076% | 6,028 |
| Memoranda: | ||
| Average total assets | $83,749,500 | 4,769 |
| Average earning assets | $79,834,000 | 4,711 |
| Average equity | $6,460,500 | 5,327 |
| Average total loans | $69,684,500 | 4,121 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2949% | 2,240 |
| Cost of funding earning assets | 0.7602% | 605 |
| Net interest margin | 3.5346% | 3,398 |
| Noninterest income to average assets | 0.2190% | 5,285 |
| Noninterest expense to average assets | 2.7089% | 3,553 |
| Loan and lease loss provision to assets | 0.1545% | 1,520 |
| Net operating income to assets | 0.4528% | 4,875 |
| Return on assets (ROA) | 0.4528% | 4,957 |
| Pretax return on assets | 0.7229% | 4,462 |
| Return on Equity (ROE) | 5.9314% | 4,065 |
| Retained earnings to average equity (ytd only) | 5.0514% | 2,377 |
| Net charge-offs to loans | 0.0599% | 3,020 |
| Credit loss provision to net charge-offs | 310.8108% | 957 |
| Earnings coverage of net charge-offs (x) | 17.6486% | 2,060 |
| Efficiency ratio | 75.5339% | 2,346 |
| Assets per employee ($millions) | 4.6447% | 2,817 |
| Cash dividends to net income (ytd only)* | 14.8368% | 3,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 3,708 |
| Loan loss allowance to noncurrent loans | 88.5173% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.1160% | 1,964 |
| Noncurrent loans to loans | 1.3097% | 1,804 |
| Net loans and leases to total assets | 80.9734% | 717 |
| Net loans and leases to deposits | 97.6460% | 847 |
| Net loans and leases to core deposits | 123.2872% | 396 |
| Total domestic deposits to total assets | 82.9255% | 3,860 |
| Equity capital to assets | 7.3370% | 6,004 |
| Core capital (leverage) ratio | 7.7258% | 5,931 |
| Tier 1 risk-based capital ratio | 8.7368% | 6,117 |
| Total risk-based capital ratio | 9.8679% | 6,122 |
| Memoranda: | ||
| Average total assets | $74,420,600 | 4,980 |
| Average earning assets | $70,898,800 | 4,916 |
| Average equity | $5,681,600 | 5,508 |
| Average total loans | $61,800,000 | 4,326 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2828% | 2,297 |
| Cost of funding earning assets | 0.7549% | 631 |
| Net interest margin | 3.5279% | 3,435 |
| Noninterest income to average assets | 0.2218% | 5,328 |
| Noninterest expense to average assets | 2.7452% | 3,401 |
| Loan and lease loss provision to assets | 0.1756% | 1,207 |
| Net operating income to assets | 0.4012% | 5,161 |
| Return on assets (ROA) | 0.4012% | 5,249 |
| Pretax return on assets | 0.6618% | 4,801 |
| Return on Equity (ROE) | 5.1958% | 4,535 |
| Retained earnings to average equity (ytd only) | 5.1958% | 2,782 |
| Net charge-offs to loans | 0.1020% | 2,118 |
| Credit loss provision to net charge-offs | 206.5217% | 1,303 |
| Earnings coverage of net charge-offs (x) | 9.8480% | 2,655 |
| Efficiency ratio | 76.6254% | 2,141 |
| Assets per employee ($millions) | 4.0595% | 3,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 3,906 |
| Loan loss allowance to noncurrent loans | 85.9551% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 1.1539% | 2,063 |
| Noncurrent loans to loans | 1.3424% | 1,906 |
| Net loans and leases to total assets | 84.9645% | 307 |
| Net loans and leases to deposits | 94.1756% | 1,185 |
| Net loans and leases to core deposits | 112.3986% | 739 |
| Total domestic deposits to total assets | 90.2192% | 496 |
| Equity capital to assets | 7.8555% | 6,005 |
| Core capital (leverage) ratio | 8.0902% | 5,851 |
| Tier 1 risk-based capital ratio | 8.8631% | 6,195 |
| Total risk-based capital ratio | 9.9823% | 6,201 |
| Memoranda: | ||
| Average total assets | $72,124,750 | 5,098 |
| Average earning assets | $68,707,750 | 5,026 |
| Average equity | $5,568,500 | 5,596 |
| Average total loans | $60,127,250 | 4,423 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2427% | 2,384 |
| Cost of funding earning assets | 0.7494% | 651 |
| Net interest margin | 3.4933% | 3,529 |
| Noninterest income to average assets | 0.1874% | 5,567 |
| Noninterest expense to average assets | 2.6541% | 3,735 |
| Loan and lease loss provision to assets | 0.1845% | 1,100 |
| Net operating income to assets | 0.4144% | 5,099 |
| Return on assets (ROA) | 0.4144% | 5,200 |
| Pretax return on assets | 0.6699% | 4,758 |
| Return on Equity (ROE) | 5.4024% | 4,423 |
| Retained earnings to average equity (ytd only) | 5.4024% | 2,598 |
| Net charge-offs to loans | 0.1653% | 1,477 |
| Credit loss provision to net charge-offs | 135.4167% | 1,650 |
| Earnings coverage of net charge-offs (x) | 6.2708% | 2,806 |
| Efficiency ratio | 75.6472% | 2,420 |
| Assets per employee ($millions) | 3.8485% | 4,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 3,816 |
| Loan loss allowance to noncurrent loans | 82.3596% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 1.2171% | 2,080 |
| Noncurrent loans to loans | 1.4525% | 1,831 |
| Net loans and leases to total assets | 82.7918% | 497 |
| Net loans and leases to deposits | 90.3244% | 1,557 |
| Net loans and leases to core deposits | 107.5522% | 988 |
| Total domestic deposits to total assets | 91.6605% | 164 |
| Equity capital to assets | 8.1275% | 5,922 |
| Core capital (leverage) ratio | 8.2373% | 5,757 |
| Tier 1 risk-based capital ratio | 9.5999% | 6,183 |
| Total risk-based capital ratio | 10.7820% | 6,177 |
| Memoranda: | ||
| Average total assets | $70,456,000 | 5,201 |
| Average earning assets | $66,985,670 | 5,132 |
| Average equity | $5,405,000 | 5,682 |
| Average total loans | $58,070,000 | 4,508 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1792% | 2,536 |
| Cost of funding earning assets | 0.7321% | 721 |
| Net interest margin | 3.4471% | 3,635 |
| Noninterest income to average assets | 0.1678% | 5,719 |
| Noninterest expense to average assets | 2.7314% | 3,481 |
| Loan and lease loss provision to assets | 0.1736% | 1,132 |
| Net operating income to assets | 0.3298% | 5,307 |
| Return on assets (ROA) | 0.3298% | 5,417 |
| Pretax return on assets | 0.5324% | 5,092 |
| Return on Equity (ROE) | 4.4393% | 4,788 |
| Retained earnings to average equity (ytd only) | 4.4393% | 3,358 |
| Net charge-offs to loans | 0.0142% | 2,889 |
| Credit loss provision to net charge-offs | 1,500.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 727 |
| Efficiency ratio | 79.4613% | 1,964 |
| Assets per employee ($millions) | 3.6926% | 4,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 3,456 |
| Loan loss allowance to noncurrent loans | 77.5808% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.3669% | 1,942 |
| Noncurrent loans to loans | 1.6627% | 1,672 |
| Net loans and leases to total assets | 81.1514% | 552 |
| Net loans and leases to deposits | 87.7922% | 1,631 |
| Net loans and leases to core deposits | 102.8952% | 1,124 |
| Total domestic deposits to total assets | 92.4358% | 102 |
| Equity capital to assets | 7.3590% | 6,213 |
| Core capital (leverage) ratio | 7.5021% | 6,137 |
| Tier 1 risk-based capital ratio | 8.8406% | 6,327 |
| Total risk-based capital ratio | 10.0908% | 6,320 |
| Memoranda: | ||
| Average total assets | $69,123,000 | 5,279 |
| Average earning assets | $65,562,500 | 5,215 |
| Average equity | $5,136,000 | 5,798 |
| Average total loans | $56,469,000 | 4,590 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3405% | 2,462 |
| Cost of funding earning assets | 0.7577% | 808 |
| Net interest margin | 3.5828% | 3,464 |
| Noninterest income to average assets | 0.9200% | 1,442 |
| Noninterest expense to average assets | 2.4940% | 4,570 |
| Loan and lease loss provision to assets | 0.2659% | 826 |
| Net operating income to assets | 0.9689% | 2,532 |
| Return on assets (ROA) | 0.9689% | 2,621 |
| Pretax return on assets | 1.6002% | 1,234 |
| Return on Equity (ROE) | 12.0112% | 1,408 |
| Retained earnings to average equity (ytd only) | 11.1821% | 360 |
| Net charge-offs to loans | 0.0562% | 3,707 |
| Credit loss provision to net charge-offs | 582.1429% | 457 |
| Earnings coverage of net charge-offs (x) | 40.8571% | 1,067 |
| Efficiency ratio | 57.2016% | 5,545 |
| Assets per employee ($millions) | 3.7826% | 4,375 |
| Cash dividends to net income (ytd only)* | 6.9024% | 4,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2957% | 3,447 |
| Loan loss allowance to noncurrent loans | 79.3792% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 1.4261% | 1,936 |
| Noncurrent loans to loans | 1.6323% | 1,796 |
| Net loans and leases to total assets | 80.1078% | 730 |
| Net loans and leases to deposits | 86.8948% | 1,859 |
| Net loans and leases to core deposits | 101.6607% | 1,272 |
| Total domestic deposits to total assets | 92.1894% | 128 |
| Equity capital to assets | 7.5036% | 6,232 |
| Core capital (leverage) ratio | 7.6663% | 6,142 |
| Tier 1 risk-based capital ratio | 9.3423% | 6,374 |
| Total risk-based capital ratio | 10.5922% | 6,351 |
| Memoranda: | ||
| Average total assets | $61,306,600 | 5,517 |
| Average earning assets | $58,864,600 | 5,434 |
| Average equity | $4,945,400 | 5,866 |
| Average total loans | $49,783,200 | 4,824 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3838% | 2,280 |
| Cost of funding earning assets | 0.7531% | 880 |
| Net interest margin | 3.6307% | 3,310 |
| Noninterest income to average assets | 1.2078% | 832 |
| Noninterest expense to average assets | 2.4268% | 4,740 |
| Loan and lease loss provision to assets | 0.2527% | 850 |
| Net operating income to assets | 1.2346% | 1,564 |
| Return on assets (ROA) | 1.2346% | 1,624 |
| Pretax return on assets | 2.0219% | 538 |
| Return on Equity (ROE) | 15.0062% | 826 |
| Retained earnings to average equity (ytd only) | 15.0062% | 205 |
| Net charge-offs to loans | 0.0386% | 3,730 |
| Credit loss provision to net charge-offs | 807.1429% | 385 |
| Earnings coverage of net charge-offs (x) | 72.6283% | 754 |
| Efficiency ratio | 51.6175% | 6,019 |
| Assets per employee ($millions) | 4.1806% | 3,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 3,605 |
| Loan loss allowance to noncurrent loans | 72.4175% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 1.6313% | 1,853 |
| Noncurrent loans to loans | 1.8058% | 1,788 |
| Net loans and leases to total assets | 81.8367% | 529 |
| Net loans and leases to deposits | 89.5354% | 1,475 |
| Net loans and leases to core deposits | 105.1382% | 1,011 |
| Total domestic deposits to total assets | 91.4016% | 258 |
| Equity capital to assets | 8.1503% | 6,043 |
| Core capital (leverage) ratio | 8.3546% | 5,796 |
| Tier 1 risk-based capital ratio | 10.0016% | 6,346 |
| Total risk-based capital ratio | 11.2518% | 6,311 |
| Memoranda: | ||
| Average total assets | $59,611,500 | 5,621 |
| Average earning assets | $57,361,000 | 5,533 |
| Average equity | $4,904,500 | 5,938 |
| Average total loans | $48,414,250 | 4,921 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4554% | 1,976 |
| Cost of funding earning assets | 0.7627% | 870 |
| Net interest margin | 3.6928% | 2,991 |
| Noninterest income to average assets | 1.7447% | 425 |
| Noninterest expense to average assets | 2.3114% | 5,125 |
| Loan and lease loss provision to assets | 0.3858% | 444 |
| Net operating income to assets | 1.5944% | 709 |
| Return on assets (ROA) | 1.5944% | 741 |
| Pretax return on assets | 2.6016% | 179 |
| Return on Equity (ROE) | 19.3148% | 332 |
| Retained earnings to average equity (ytd only) | 19.3148% | 95 |
| Net charge-offs to loans | 0.0042% | 4,234 |
| Credit loss provision to net charge-offs | 11,300.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 875.0000% | 75 |
| Efficiency ratio | 43.6211% | 6,437 |
| Assets per employee ($millions) | 3.9543% | 3,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4542% | 3,094 |
| Loan loss allowance to noncurrent loans | 4,950.0000% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 5,594 |
| Noncurrent loans to loans | 0.0294% | 5,974 |
| Net loans and leases to total assets | 79.1752% | 780 |
| Net loans and leases to deposits | 86.9506% | 1,715 |
| Net loans and leases to core deposits | 96.4708% | 1,565 |
| Total domestic deposits to total assets | 91.0578% | 399 |
| Equity capital to assets | 8.4769% | 5,819 |
| Core capital (leverage) ratio | 8.2486% | 5,892 |
| Tier 1 risk-based capital ratio | 10.7115% | 6,169 |
| Total risk-based capital ratio | 11.9643% | 6,119 |
| Memoranda: | ||
| Average total assets | $58,579,000 | 5,699 |
| Average earning assets | $56,380,670 | 5,603 |
| Average equity | $4,835,670 | 5,995 |
| Average total loans | $47,219,330 | 4,992 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6232% | 1,444 |
| Cost of funding earning assets | 0.7610% | 922 |
| Net interest margin | 3.8621% | 2,220 |
| Noninterest income to average assets | 3.2777% | 170 |
| Noninterest expense to average assets | 2.1851% | 5,495 |
| Loan and lease loss provision to assets | 0.7765% | 156 |
| Net operating income to assets | 2.4463% | 160 |
| Return on assets (ROA) | 2.4463% | 168 |
| Pretax return on assets | 4.0473% | 86 |
| Return on Equity (ROE) | 30.0454% | 66 |
| Retained earnings to average equity (ytd only) | 30.0454% | 38 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.1765% | 6,667 |
| Assets per employee ($millions) | 4.4094% | 3,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 3,646 |
| Loan loss allowance to noncurrent loans | 836.1446% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 5,720 |
| Noncurrent loans to loans | 0.1665% | 5,584 |
| Net loans and leases to total assets | 79.6164% | 594 |
| Net loans and leases to deposits | 86.9830% | 1,468 |
| Net loans and leases to core deposits | 102.2107% | 974 |
| Total domestic deposits to total assets | 91.5310% | 370 |
| Equity capital to assets | 7.9668% | 6,083 |
| Core capital (leverage) ratio | 8.2312% | 5,913 |
| Tier 1 risk-based capital ratio | 10.0677% | 6,458 |
| Total risk-based capital ratio | 11.3190% | 6,428 |
| Memoranda: | ||
| Average total assets | $58,211,500 | 5,761 |
| Average earning assets | $56,238,500 | 5,657 |
| Average equity | $4,739,500 | 6,063 |
| Average total loans | $47,001,500 | 5,042 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3467% | 2,783 |
| Cost of funding earning assets | 0.7960% | 1,231 |
| Net interest margin | 3.5507% | 3,678 |
| Noninterest income to average assets | 0.3844% | 4,559 |
| Noninterest expense to average assets | 2.3043% | 5,373 |
| Loan and lease loss provision to assets | 0.3318% | 977 |
| Net operating income to assets | 0.7742% | 3,424 |
| Return on assets (ROA) | 0.8234% | 3,262 |
| Pretax return on assets | 1.2908% | 2,196 |
| Return on Equity (ROE) | 9.3016% | 2,414 |
| Retained earnings to average equity (ytd only) | 8.4788% | 914 |
| Net charge-offs to loans | 0.0490% | 4,535 |
| Credit loss provision to net charge-offs | 863.1579% | 289 |
| Earnings coverage of net charge-offs (x) | 40.2105% | 943 |
| Efficiency ratio | 59.8529% | 5,490 |
| Assets per employee ($millions) | 4.5577% | 2,810 |
| Cash dividends to net income (ytd only)* | 8.8452% | 4,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 4,061 |
| Loan loss allowance to noncurrent loans | 480.1653% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 5,474 |
| Noncurrent loans to loans | 0.2740% | 5,355 |
| Net loans and leases to total assets | 79.6826% | 627 |
| Net loans and leases to deposits | 87.3557% | 1,537 |
| Net loans and leases to core deposits | 105.0804% | 849 |
| Total domestic deposits to total assets | 91.2163% | 499 |
| Equity capital to assets | 8.3394% | 5,743 |
| Core capital (leverage) ratio | 8.6258% | 5,506 |
| Tier 1 risk-based capital ratio | 10.5765% | 6,342 |
| Total risk-based capital ratio | 11.8288% | 6,301 |
| Memoranda: | ||
| Average total assets | $49,428,400 | 6,029 |
| Average earning assets | $48,244,000 | 5,934 |
| Average equity | $4,375,600 | 6,243 |
| Average total loans | $38,748,800 | 5,405 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3539% | 2,764 |
| Cost of funding earning assets | 0.8141% | 1,247 |
| Net interest margin | 3.5399% | 3,714 |
| Noninterest income to average assets | 0.4656% | 4,033 |
| Noninterest expense to average assets | 2.2973% | 5,353 |
| Loan and lease loss provision to assets | 0.3187% | 1,054 |
| Net operating income to assets | 0.8388% | 3,148 |
| Return on assets (ROA) | 0.9062% | 2,913 |
| Pretax return on assets | 1.4133% | 1,891 |
| Return on Equity (ROE) | 10.0708% | 2,150 |
| Retained earnings to average equity (ytd only) | 10.0708% | 774 |
| Net charge-offs to loans | 0.0428% | 4,301 |
| Credit loss provision to net charge-offs | 958.3333% | 323 |
| Earnings coverage of net charge-offs (x) | 48.9156% | 878 |
| Efficiency ratio | 58.5452% | 5,617 |
| Assets per employee ($millions) | 4.2229% | 3,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 4,165 |
| Loan loss allowance to noncurrent loans | 411.4504% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.2960% | 5,541 |
| Noncurrent loans to loans | 0.3269% | 5,402 |
| Net loans and leases to total assets | 78.0227% | 743 |
| Net loans and leases to deposits | 86.0307% | 1,612 |
| Net loans and leases to core deposits | 102.9421% | 939 |
| Total domestic deposits to total assets | 90.6917% | 660 |
| Equity capital to assets | 8.9156% | 5,286 |
| Core capital (leverage) ratio | 9.2036% | 4,827 |
| Tier 1 risk-based capital ratio | 11.8507% | 5,876 |
| Total risk-based capital ratio | 13.1020% | 5,821 |
| Memoranda: | ||
| Average total assets | $48,112,500 | 6,135 |
| Average earning assets | $47,006,500 | 6,030 |
| Average equity | $4,329,250 | 6,331 |
| Average total loans | $37,395,750 | 5,500 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3391% | 2,795 |
| Cost of funding earning assets | 0.8236% | 1,291 |
| Net interest margin | 3.5155% | 3,719 |
| Noninterest income to average assets | 0.6052% | 3,155 |
| Noninterest expense to average assets | 2.3065% | 5,363 |
| Loan and lease loss provision to assets | 0.3809% | 841 |
| Net operating income to assets | 0.8662% | 2,964 |
| Return on assets (ROA) | 0.9691% | 2,611 |
| Pretax return on assets | 1.5108% | 1,583 |
| Return on Equity (ROE) | 10.7352% | 1,915 |
| Retained earnings to average equity (ytd only) | 10.7352% | 697 |
| Net charge-offs to loans | -0.0603% | 6,330 |
| Credit loss provision to net charge-offs | -818.1818% | 5,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1279% | 5,840 |
| Assets per employee ($millions) | 3.9923% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 4,030 |
| Loan loss allowance to noncurrent loans | 994.4444% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 6,150 |
| Noncurrent loans to loans | 0.1409% | 5,971 |
| Net loans and leases to total assets | 78.8991% | 649 |
| Net loans and leases to deposits | 87.2392% | 1,436 |
| Net loans and leases to core deposits | 105.6369% | 755 |
| Total domestic deposits to total assets | 90.4400% | 789 |
| Equity capital to assets | 9.2302% | 4,953 |
| Core capital (leverage) ratio | 9.1684% | 4,734 |
| Tier 1 risk-based capital ratio | 11.9532% | 5,817 |
| Total risk-based capital ratio | 13.2054% | 5,767 |
| Memoranda: | ||
| Average total assets | $47,258,330 | 6,202 |
| Average earning assets | $46,138,670 | 6,099 |
| Average equity | $4,266,330 | 6,393 |
| Average total loans | $36,502,000 | 5,560 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2835% | 2,956 |
| Cost of funding earning assets | 0.8234% | 1,404 |
| Net interest margin | 3.4601% | 3,861 |
| Noninterest income to average assets | 0.2727% | 5,497 |
| Noninterest expense to average assets | 2.3523% | 5,264 |
| Loan and lease loss provision to assets | 0.3409% | 978 |
| Net operating income to assets | 0.6735% | 3,824 |
| Return on assets (ROA) | 0.9034% | 2,787 |
| Pretax return on assets | 1.2699% | 2,340 |
| Return on Equity (ROE) | 10.1230% | 2,019 |
| Retained earnings to average equity (ytd only) | 10.1230% | 1,078 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6370% | 4,898 |
| Assets per employee ($millions) | 4.0592% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 4,614 |
| Loan loss allowance to noncurrent loans | 566.6667% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 6,054 |
| Noncurrent loans to loans | 0.2322% | 5,831 |
| Net loans and leases to total assets | 73.2868% | 1,173 |
| Net loans and leases to deposits | 80.5751% | 2,011 |
| Net loans and leases to core deposits | 99.2052% | 994 |
| Total domestic deposits to total assets | 90.9546% | 540 |
| Equity capital to assets | 8.8421% | 5,675 |
| Core capital (leverage) ratio | 9.2134% | 4,550 |
| Tier 1 risk-based capital ratio | 12.3105% | 5,714 |
| Total risk-based capital ratio | 13.5622% | 5,660 |
| Memoranda: | ||
| Average total assets | $46,933,500 | 6,272 |
| Average earning assets | $45,663,500 | 6,171 |
| Average equity | $4,188,500 | 6,471 |
| Average total loans | $35,585,000 | 5,638 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7198% | 2,517 |
| Cost of funding earning assets | 1.0173% | 1,266 |
| Net interest margin | 3.7025% | 3,629 |
| Noninterest income to average assets | 0.3759% | 4,785 |
| Noninterest expense to average assets | 2.5751% | 4,841 |
| Loan and lease loss provision to assets | 0.3066% | 2,230 |
| Net operating income to assets | 0.6148% | 4,171 |
| Return on assets (ROA) | 0.6958% | 4,016 |
| Pretax return on assets | 1.0610% | 3,315 |
| Return on Equity (ROE) | 7.5164% | 3,332 |
| Retained earnings to average equity (ytd only) | 7.3436% | 1,407 |
| Net charge-offs to loans | 0.0036% | 5,931 |
| Credit loss provision to net charge-offs | 11,500.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 467.0000% | 88 |
| Efficiency ratio | 67.4110% | 4,249 |
| Assets per employee ($millions) | 3.7631% | 4,438 |
| Cash dividends to net income (ytd only)* | 2.2989% | 4,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 4,899 |
| Loan loss allowance to noncurrent loans | 681.2500% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 6,212 |
| Noncurrent loans to loans | 0.1829% | 6,013 |
| Net loans and leases to total assets | 76.5330% | 849 |
| Net loans and leases to deposits | 84.4203% | 1,712 |
| Net loans and leases to core deposits | 105.9440% | 697 |
| Total domestic deposits to total assets | 90.6570% | 633 |
| Equity capital to assets | 9.0130% | 5,507 |
| Core capital (leverage) ratio | 9.3165% | 4,386 |
| Tier 1 risk-based capital ratio | 12.2271% | 5,641 |
| Total risk-based capital ratio | 13.4769% | 5,600 |
| Memoranda: | ||
| Average total assets | $37,512,800 | 6,570 |
| Average earning assets | $34,895,200 | 6,535 |
| Average equity | $3,472,400 | 6,694 |
| Average total loans | $27,596,400 | 6,053 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8505% | 2,196 |
| Cost of funding earning assets | 1.0616% | 1,231 |
| Net interest margin | 3.7889% | 3,384 |
| Noninterest income to average assets | 0.4082% | 4,572 |
| Noninterest expense to average assets | 2.6178% | 4,683 |
| Loan and lease loss provision to assets | 0.2060% | 3,014 |
| Net operating income to assets | 0.6687% | 4,048 |
| Return on assets (ROA) | 0.7790% | 3,800 |
| Pretax return on assets | 1.2321% | 2,861 |
| Return on Equity (ROE) | 8.3458% | 3,107 |
| Retained earnings to average equity (ytd only) | 8.3458% | 1,466 |
| Net charge-offs to loans | 0.0052% | 5,679 |
| Credit loss provision to net charge-offs | 5,500.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 338.8421% | 132 |
| Efficiency ratio | 67.4060% | 4,195 |
| Assets per employee ($millions) | 3.1405% | 5,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 5,292 |
| Loan loss allowance to noncurrent loans | 637.2881% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 6,356 |
| Noncurrent loans to loans | 0.1879% | 6,139 |
| Net loans and leases to total assets | 75.9761% | 984 |
| Net loans and leases to deposits | 84.7209% | 1,774 |
| Net loans and leases to core deposits | 109.5655% | 587 |
| Total domestic deposits to total assets | 89.6781% | 1,030 |
| Equity capital to assets | 9.8687% | 4,682 |
| Core capital (leverage) ratio | 10.0156% | 3,511 |
| Tier 1 risk-based capital ratio | 13.4289% | 4,925 |
| Total risk-based capital ratio | 14.6791% | 4,884 |
| Memoranda: | ||
| Average total assets | $35,601,750 | 6,699 |
| Average earning assets | $32,655,750 | 6,675 |
| Average equity | $3,323,000 | 6,808 |
| Average total loans | $25,746,500 | 6,232 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9078% | 2,079 |
| Cost of funding earning assets | 1.1023% | 1,213 |
| Net interest margin | 3.8055% | 3,331 |
| Noninterest income to average assets | 0.3957% | 4,684 |
| Noninterest expense to average assets | 2.6934% | 4,456 |
| Loan and lease loss provision to assets | 0.0886% | 4,467 |
| Net operating income to assets | 0.6589% | 4,067 |
| Return on assets (ROA) | 0.8328% | 3,494 |
| Pretax return on assets | 1.3113% | 2,517 |
| Return on Equity (ROE) | 9.1331% | 2,752 |
| Retained earnings to average equity (ytd only) | 9.1331% | 1,226 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4791% | 3,685 |
| Assets per employee ($millions) | 3.2668% | 5,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 5,413 |
| Loan loss allowance to noncurrent loans | 543.5484% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.1582% | 6,399 |
| Noncurrent loans to loans | 0.2182% | 6,144 |
| Net loans and leases to total assets | 71.6290% | 1,622 |
| Net loans and leases to deposits | 78.8520% | 2,541 |
| Net loans and leases to core deposits | 103.7043% | 881 |
| Total domestic deposits to total assets | 90.8398% | 510 |
| Equity capital to assets | 8.7955% | 5,918 |
| Core capital (leverage) ratio | 9.7773% | 3,745 |
| Tier 1 risk-based capital ratio | 12.7283% | 5,396 |
| Total risk-based capital ratio | 13.9771% | 5,367 |
| Memoranda: | ||
| Average total assets | $33,860,330 | 6,790 |
| Average earning assets | $30,482,000 | 6,784 |
| Average equity | $3,087,670 | 6,888 |
| Average total loans | $23,864,000 | 6,375 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1458% | 1,443 |
| Cost of funding earning assets | 1.2266% | 862 |
| Net interest margin | 3.9191% | 2,843 |
| Noninterest income to average assets | 0.3719% | 4,890 |
| Noninterest expense to average assets | 2.9882% | 3,296 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4817% | 4,903 |
| Return on assets (ROA) | 0.8593% | 3,343 |
| Pretax return on assets | 1.3338% | 2,412 |
| Return on Equity (ROE) | 9.2175% | 2,723 |
| Retained earnings to average equity (ytd only) | 9.2175% | 1,510 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0687% | 2,197 |
| Assets per employee ($millions) | 2.9359% | 6,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 4,509 |
| Loan loss allowance to noncurrent loans | 353.8462% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.4211% | 5,807 |
| Noncurrent loans to loans | 0.4018% | 5,867 |
| Net loans and leases to total assets | 69.1376% | 1,926 |
| Net loans and leases to deposits | 76.2907% | 2,749 |
| Net loans and leases to core deposits | 84.7427% | 2,447 |
| Total domestic deposits to total assets | 90.6239% | 735 |
| Equity capital to assets | 9.0819% | 5,384 |
| Core capital (leverage) ratio | 9.2543% | 4,439 |
| Tier 1 risk-based capital ratio | 13.7302% | 4,659 |
| Total risk-based capital ratio | 14.9805% | 4,645 |
| Memoranda: | ||
| Average total assets | $31,189,500 | 6,918 |
| Average earning assets | $26,740,500 | 6,938 |
| Average equity | $2,907,500 | 6,980 |
| Average total loans | $21,587,500 | 6,531 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3921% | 1,435 |
| Cost of funding earning assets | 1.2944% | 1,507 |
| Net interest margin | 4.0977% | 2,434 |
| Noninterest income to average assets | 0.3909% | 4,691 |
| Noninterest expense to average assets | 3.5301% | 1,914 |
| Loan and lease loss provision to assets | 0.3080% | 3,210 |
| Net operating income to assets | 0.3062% | 5,228 |
| Return on assets (ROA) | 0.3870% | 5,086 |
| Pretax return on assets | 0.4146% | 5,242 |
| Return on Equity (ROE) | 3.5070% | 5,068 |
| Retained earnings to average equity (ytd only) | 3.5070% | 3,728 |
| Net charge-offs to loans | 0.4098% | 3,376 |
| Credit loss provision to net charge-offs | 106.8493% | 3,168 |
| Earnings coverage of net charge-offs (x) | 2.2055% | 4,129 |
| Efficiency ratio | 84.7393% | 1,687 |
| Assets per employee ($millions) | 2.7349% | 6,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 3,714 |
| Loan loss allowance to noncurrent loans | 331.9588% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.4720% | 5,781 |
| Noncurrent loans to loans | 0.4726% | 5,767 |
| Net loans and leases to total assets | 67.1553% | 2,549 |
| Net loans and leases to deposits | 74.4811% | 3,422 |
| Net loans and leases to core deposits | 80.2789% | 3,424 |
| Total domestic deposits to total assets | 90.1642% | 900 |
| Equity capital to assets | 9.5798% | 4,773 |
| Core capital (leverage) ratio | 10.0306% | 3,298 |
| Tier 1 risk-based capital ratio | 14.3686% | 4,068 |
| Total risk-based capital ratio | 15.6212% | 4,032 |
| Memoranda: | ||
| Average total assets | $25,325,200 | 7,095 |
| Average earning assets | $23,330,400 | 7,067 |
| Average equity | $2,794,400 | 7,057 |
| Average total loans | $17,812,200 | 6,763 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3476% | 1,682 |
| Cost of funding earning assets | 1.2888% | 1,768 |
| Net interest margin | 4.0588% | 2,651 |
| Noninterest income to average assets | 0.3978% | 4,686 |
| Noninterest expense to average assets | 3.7067% | 1,485 |
| Loan and lease loss provision to assets | 0.3315% | 2,892 |
| Net operating income to assets | 0.1887% | 5,730 |
| Return on assets (ROA) | 0.1989% | 5,836 |
| Pretax return on assets | 0.2155% | 5,867 |
| Return on Equity (ROE) | 1.7313% | 5,861 |
| Retained earnings to average equity (ytd only) | 1.7313% | 5,278 |
| Net charge-offs to loans | 0.2957% | 3,612 |
| Credit loss provision to net charge-offs | 157.8947% | 1,966 |
| Earnings coverage of net charge-offs (x) | 2.5524% | 3,847 |
| Efficiency ratio | 87.3698% | 1,401 |
| Assets per employee ($millions) | 2.4804% | 6,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7454% | 3,123 |
| Loan loss allowance to noncurrent loans | 233.7931% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.5314% | 5,766 |
| Noncurrent loans to loans | 0.7466% | 5,386 |
| Net loans and leases to total assets | 69.9421% | 2,091 |
| Net loans and leases to deposits | 78.2892% | 2,923 |
| Net loans and leases to core deposits | 85.1236% | 2,895 |
| Total domestic deposits to total assets | 89.3381% | 1,231 |
| Equity capital to assets | 10.4164% | 3,807 |
| Core capital (leverage) ratio | 10.4080% | 2,986 |
| Tier 1 risk-based capital ratio | 14.2107% | 4,191 |
| Total risk-based capital ratio | 15.4670% | 4,155 |
| Memoranda: | ||
| Average total assets | $24,135,500 | 7,197 |
| Average earning assets | $22,863,500 | 7,152 |
| Average equity | $2,772,500 | 7,129 |
| Average total loans | $17,134,000 | 6,865 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2659% | 2,004 |
| Cost of funding earning assets | 1.2692% | 2,124 |
| Net interest margin | 3.9967% | 2,854 |
| Noninterest income to average assets | 0.4678% | 4,134 |
| Noninterest expense to average assets | 3.9158% | 1,164 |
| Loan and lease loss provision to assets | 0.5198% | 1,882 |
| Net operating income to assets | -0.0717% | 6,317 |
| Return on assets (ROA) | -0.0606% | 6,366 |
| Pretax return on assets | -0.1040% | 6,367 |
| Return on Equity (ROE) | -0.5092% | 6,359 |
| Retained earnings to average equity (ytd only) | -0.5092% | 5,965 |
| Net charge-offs to loans | 0.2688% | 3,542 |
| Credit loss provision to net charge-offs | 272.7273% | 1,111 |
| Earnings coverage of net charge-offs (x) | 2.0909% | 3,808 |
| Efficiency ratio | 90.7631% | 1,190 |
| Assets per employee ($millions) | 2.6207% | 6,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0361% | 2,270 |
| Loan loss allowance to noncurrent loans | 412.7907% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.5189% | 5,877 |
| Noncurrent loans to loans | 0.4933% | 5,919 |
| Net loans and leases to total assets | 65.1734% | 3,213 |
| Net loans and leases to deposits | 73.0508% | 3,948 |
| Net loans and leases to core deposits | 79.7237% | 3,823 |
| Total domestic deposits to total assets | 89.2166% | 1,407 |
| Equity capital to assets | 10.5010% | 3,499 |
| Core capital (leverage) ratio | 10.7775% | 2,445 |
| Tier 1 risk-based capital ratio | 15.5845% | 3,195 |
| Total risk-based capital ratio | 16.8464% | 3,146 |
| Memoranda: | ||
| Average total assets | $23,086,000 | 7,286 |
| Average earning assets | $22,218,330 | 7,239 |
| Average equity | $2,749,330 | 7,190 |
| Average total loans | $16,371,330 | 6,961 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5694% | 1,126 |
| Cost of funding earning assets | 1.2763% | 2,328 |
| Net interest margin | 4.2931% | 1,581 |
| Noninterest income to average assets | 0.4646% | 4,153 |
| Noninterest expense to average assets | 3.8280% | 1,294 |
| Loan and lease loss provision to assets | 0.5575% | 1,550 |
| Net operating income to assets | 0.1888% | 5,821 |
| Return on assets (ROA) | 0.2230% | 5,772 |
| Pretax return on assets | 0.2416% | 5,830 |
| Return on Equity (ROE) | 1.7467% | 5,885 |
| Retained earnings to average equity (ytd only) | 1.7467% | 5,070 |
| Net charge-offs to loans | -0.0253% | 6,647 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4008% | 2,031 |
| Assets per employee ($millions) | 1.9182% | 7,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1364% | 2,107 |
| Loan loss allowance to noncurrent loans | 294.9153% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.7733% | 5,367 |
| Noncurrent loans to loans | 0.7244% | 5,561 |
| Net loans and leases to total assets | 69.2545% | 2,276 |
| Net loans and leases to deposits | 78.8729% | 2,917 |
| Net loans and leases to core deposits | 78.8729% | 3,913 |
| Total domestic deposits to total assets | 87.8052% | 2,482 |
| Equity capital to assets | 11.9602% | 1,942 |
| Core capital (leverage) ratio | 12.7661% | 1,213 |
| Tier 1 risk-based capital ratio | 19.1943% | 1,752 |
| Total risk-based capital ratio | 20.4576% | 1,723 |
| Memoranda: | ||
| Average total assets | $21,525,500 | 7,370 |
| Average earning assets | $20,684,500 | 7,329 |
| Average equity | $2,748,000 | 7,235 |
| Average total loans | $15,839,500 | 7,043 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8886% | 1,069 |
| Cost of funding earning assets | 1.4223% | 3,125 |
| Net interest margin | 4.4663% | 1,306 |
| Noninterest income to average assets | 0.3228% | 5,474 |
| Noninterest expense to average assets | 3.6354% | 1,832 |
| Loan and lease loss provision to assets | 0.9188% | 1,777 |
| Net operating income to assets | 0.1003% | 5,587 |
| Return on assets (ROA) | 0.3079% | 5,080 |
| Pretax return on assets | 0.3228% | 5,172 |
| Return on Equity (ROE) | 2.2219% | 5,298 |
| Retained earnings to average equity (ytd only) | 0.6451% | 5,252 |
| Net charge-offs to loans | 0.6404% | 3,099 |
| Credit loss provision to net charge-offs | 212.6437% | 1,434 |
| Earnings coverage of net charge-offs (x) | 2.3678% | 3,957 |
| Efficiency ratio | 78.0384% | 2,706 |
| Assets per employee ($millions) | 2.8619% | 6,416 |
| Cash dividends to net income (ytd only)* | 70.9677% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0598% | 2,156 |
| Loan loss allowance to noncurrent loans | 245.7364% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.6439% | 5,711 |
| Noncurrent loans to loans | 0.8382% | 5,378 |
| Net loans and leases to total assets | 75.2409% | 1,426 |
| Net loans and leases to deposits | 87.4608% | 1,868 |
| Net loans and leases to core deposits | 87.4608% | 3,121 |
| Total domestic deposits to total assets | 86.0281% | 3,344 |
| Equity capital to assets | 13.6924% | 1,129 |
| Core capital (leverage) ratio | 13.3222% | 1,020 |
| Tier 1 risk-based capital ratio | 19.7363% | 1,543 |
| Total risk-based capital ratio | 20.9970% | 1,510 |
| Memoranda: | ||
| Average total assets | $20,135,200 | 7,462 |
| Average earning assets | $19,546,400 | 7,413 |
| Average equity | $2,790,400 | 7,327 |
| Average total loans | $13,584,400 | 7,225 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8401% | 1,283 |
| Cost of funding earning assets | 1.4549% | 3,246 |
| Net interest margin | 4.3852% | 1,570 |
| Noninterest income to average assets | 0.3240% | 5,565 |
| Noninterest expense to average assets | 3.3794% | 2,356 |
| Loan and lease loss provision to assets | 0.5952% | 2,565 |
| Net operating income to assets | 0.4894% | 4,363 |
| Return on assets (ROA) | 0.4894% | 4,562 |
| Pretax return on assets | 0.6150% | 4,550 |
| Return on Equity (ROE) | 3.5207% | 4,996 |
| Retained earnings to average equity (ytd only) | 3.5207% | 3,977 |
| Net charge-offs to loans | 0.3554% | 3,882 |
| Credit loss provision to net charge-offs | 257.1429% | 1,285 |
| Earnings coverage of net charge-offs (x) | 5.2280% | 2,802 |
| Efficiency ratio | 73.6311% | 3,391 |
| Assets per employee ($millions) | 3.3485% | 5,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9984% | 2,226 |
| Loan loss allowance to noncurrent loans | 263.4615% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.5525% | 6,047 |
| Noncurrent loans to loans | 0.7585% | 5,685 |
| Net loans and leases to total assets | 66.8807% | 3,491 |
| Net loans and leases to deposits | 78.4184% | 3,755 |
| Net loans and leases to core deposits | 78.4184% | 4,752 |
| Total domestic deposits to total assets | 85.2869% | 3,474 |
| Equity capital to assets | 14.2950% | 1,085 |
| Core capital (leverage) ratio | 14.0546% | 910 |
| Tier 1 risk-based capital ratio | 21.9105% | 1,221 |
| Total risk-based capital ratio | 23.1715% | 1,192 |
| Memoranda: | ||
| Average total assets | $20,160,750 | 7,559 |
| Average earning assets | $19,611,000 | 7,506 |
| Average equity | $2,802,250 | 7,420 |
| Average total loans | $13,133,000 | 7,339 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8154% | 1,392 |
| Cost of funding earning assets | 1.4869% | 3,326 |
| Net interest margin | 4.3284% | 1,678 |
| Noninterest income to average assets | 0.3171% | 5,622 |
| Noninterest expense to average assets | 3.0519% | 3,517 |
| Loan and lease loss provision to assets | 0.5945% | 2,400 |
| Net operating income to assets | 0.7134% | 3,344 |
| Return on assets (ROA) | 0.7134% | 3,497 |
| Pretax return on assets | 0.8819% | 3,568 |
| Return on Equity (ROE) | 5.1817% | 4,199 |
| Retained earnings to average equity (ytd only) | 5.1817% | 2,797 |
| Net charge-offs to loans | 0.2164% | 4,306 |
| Credit loss provision to net charge-offs | 428.5714% | 845 |
| Earnings coverage of net charge-offs (x) | 10.6429% | 1,863 |
| Efficiency ratio | 67.3961% | 4,692 |
| Assets per employee ($millions) | 3.9280% | 3,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0851% | 1,993 |
| Loan loss allowance to noncurrent loans | 240.9091% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.7485% | 5,626 |
| Noncurrent loans to loans | 0.8655% | 5,540 |
| Net loans and leases to total assets | 63.3605% | 4,381 |
| Net loans and leases to deposits | 74.4347% | 4,606 |
| Net loans and leases to core deposits | 74.4347% | 5,396 |
| Total domestic deposits to total assets | 85.1222% | 3,563 |
| Equity capital to assets | 14.4908% | 1,013 |
| Core capital (leverage) ratio | 13.7743% | 984 |
| Tier 1 risk-based capital ratio | 23.2995% | 1,026 |
| Total risk-based capital ratio | 24.5576% | 1,001 |
| Memoranda: | ||
| Average total assets | $20,184,000 | 7,622 |
| Average earning assets | $19,637,670 | 7,566 |
| Average equity | $2,779,000 | 7,481 |
| Average total loans | $12,940,330 | 7,401 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7196% | 1,704 |
| Cost of funding earning assets | 1.5306% | 3,371 |
| Net interest margin | 4.1890% | 2,083 |
| Noninterest income to average assets | 0.3129% | 5,650 |
| Noninterest expense to average assets | 3.1482% | 3,062 |
| Loan and lease loss provision to assets | 0.5866% | 2,158 |
| Net operating income to assets | 0.5671% | 4,045 |
| Return on assets (ROA) | 0.5671% | 4,189 |
| Pretax return on assets | 0.6453% | 4,433 |
| Return on Equity (ROE) | 4.2251% | 4,791 |
| Retained earnings to average equity (ytd only) | 4.2251% | 3,615 |
| Net charge-offs to loans | 0.4902% | 2,593 |
| Credit loss provision to net charge-offs | 187.5000% | 1,949 |
| Earnings coverage of net charge-offs (x) | 3.9375% | 2,742 |
| Efficiency ratio | 71.8750% | 3,954 |
| Assets per employee ($millions) | 4.0952% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7938% | 2,755 |
| Loan loss allowance to noncurrent loans | 177.8626% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.8205% | 5,509 |
| Noncurrent loans to loans | 1.0085% | 5,307 |
| Net loans and leases to total assets | 62.2973% | 4,697 |
| Net loans and leases to deposits | 72.3416% | 5,004 |
| Net loans and leases to core deposits | 75.0750% | 5,379 |
| Total domestic deposits to total assets | 86.1155% | 3,087 |
| Equity capital to assets | 13.5622% | 1,299 |
| Core capital (leverage) ratio | 13.3389% | 1,120 |
| Tier 1 risk-based capital ratio | 22.7311% | 1,113 |
| Total risk-based capital ratio | 23.9943% | 1,086 |
| Memoranda: | ||
| Average total assets | $20,456,000 | 7,713 |
| Average earning assets | $19,861,500 | 7,654 |
| Average equity | $2,745,500 | 7,570 |
| Average total loans | $13,056,000 | 7,490 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2502% | 1,120 |
| Cost of funding earning assets | 1.7362% | 4,328 |
| Net interest margin | 4.5140% | 1,151 |
| Noninterest income to average assets | 0.4806% | 4,558 |
| Noninterest expense to average assets | 3.0440% | 3,969 |
| Loan and lease loss provision to assets | 0.4753% | 3,980 |
| Net operating income to assets | 0.9880% | 1,879 |
| Return on assets (ROA) | 0.9880% | 1,929 |
| Pretax return on assets | 1.3351% | 1,601 |
| Return on Equity (ROE) | 6.8478% | 2,847 |
| Retained earnings to average equity (ytd only) | 3.7385% | 2,584 |
| Net charge-offs to loans | 0.3935% | 4,244 |
| Credit loss provision to net charge-offs | 178.0000% | 2,347 |
| Earnings coverage of net charge-offs (x) | 6.7800% | 2,289 |
| Efficiency ratio | 62.7063% | 6,019 |
| Assets per employee ($millions) | 4.0872% | 3,644 |
| Cash dividends to net income (ytd only)* | 45.4054% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 3,009 |
| Loan loss allowance to noncurrent loans | 214.7059% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.6802% | 5,753 |
| Noncurrent loans to loans | 0.7773% | 5,716 |
| Net loans and leases to total assets | 63.1435% | 4,779 |
| Net loans and leases to deposits | 73.2433% | 5,157 |
| Net loans and leases to core deposits | 91.2782% | 4,979 |
| Total domestic deposits to total assets | 86.2106% | 2,904 |
| Equity capital to assets | 13.2805% | 1,402 |
| Core capital (leverage) ratio | 13.4253% | 1,117 |
| Tier 1 risk-based capital ratio | 22.3415% | 1,117 |
| Total risk-based capital ratio | 23.6212% | 1,090 |
| Memoranda: | ||
| Average total assets | $18,725,200 | 7,814 |
| Average earning assets | $18,143,400 | 7,755 |
| Average equity | $2,701,600 | 7,678 |
| Average total loans | $12,706,200 | 7,569 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3187% | 1,093 |
| Cost of funding earning assets | 1.7581% | 4,600 |
| Net interest margin | 4.5605% | 1,055 |
| Noninterest income to average assets | 0.5975% | 3,733 |
| Noninterest expense to average assets | 3.1698% | 3,402 |
| Loan and lease loss provision to assets | 0.4882% | 3,461 |
| Net operating income to assets | 1.0493% | 1,903 |
| Return on assets (ROA) | 1.0493% | 1,967 |
| Pretax return on assets | 1.3626% | 1,791 |
| Return on Equity (ROE) | 7.1151% | 3,020 |
| Retained earnings to average equity (ytd only) | 7.1151% | 1,459 |
| Net charge-offs to loans | 0.1799% | 4,947 |
| Credit loss provision to net charge-offs | 394.1176% | 1,015 |
| Earnings coverage of net charge-offs (x) | 14.9387% | 1,564 |
| Efficiency ratio | 63.1350% | 5,901 |
| Assets per employee ($millions) | 3.2595% | 5,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7472% | 2,452 |
| Loan loss allowance to noncurrent loans | 261.3636% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.4500% | 6,330 |
| Noncurrent loans to loans | 0.6685% | 5,966 |
| Net loans and leases to total assets | 66.1349% | 4,400 |
| Net loans and leases to deposits | 77.7330% | 4,775 |
| Net loans and leases to core deposits | 95.5103% | 4,866 |
| Total domestic deposits to total assets | 85.0795% | 3,187 |
| Equity capital to assets | 14.1586% | 1,251 |
| Core capital (leverage) ratio | 14.0635% | 1,076 |
| Tier 1 risk-based capital ratio | 17.7715% | 2,057 |
| Total risk-based capital ratio | 19.0261% | 1,997 |
| Memoranda: | ||
| Average total assets | $18,297,500 | 7,899 |
| Average earning assets | $17,746,000 | 7,848 |
| Average equity | $2,698,500 | 7,753 |
| Average total loans | $12,602,000 | 7,643 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3648% | 1,068 |
| Cost of funding earning assets | 1.7738% | 4,891 |
| Net interest margin | 4.5910% | 972 |
| Noninterest income to average assets | 0.5705% | 3,891 |
| Noninterest expense to average assets | 3.1436% | 3,527 |
| Loan and lease loss provision to assets | 0.4475% | 3,298 |
| Net operating income to assets | 1.0740% | 1,857 |
| Return on assets (ROA) | 1.0740% | 1,935 |
| Pretax return on assets | 1.4096% | 1,696 |
| Return on Equity (ROE) | 7.1776% | 3,120 |
| Retained earnings to average equity (ytd only) | 7.1776% | 1,515 |
| Net charge-offs to loans | -0.0483% | 7,843 |
| Credit loss provision to net charge-offs | -1,333.3333% | 7,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8635% | 6,106 |
| Assets per employee ($millions) | 3.1613% | 5,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8226% | 1,983 |
| Loan loss allowance to noncurrent loans | 153.7931% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.7644% | 5,490 |
| Noncurrent loans to loans | 1.1851% | 4,850 |
| Net loans and leases to total assets | 63.3277% | 5,117 |
| Net loans and leases to deposits | 74.3133% | 5,413 |
| Net loans and leases to core deposits | 91.8208% | 5,367 |
| Total domestic deposits to total assets | 85.2172% | 3,152 |
| Equity capital to assets | 14.2925% | 1,227 |
| Core capital (leverage) ratio | 14.2737% | 1,075 |
| Tier 1 risk-based capital ratio | 18.6734% | 1,843 |
| Total risk-based capital ratio | 19.9270% | 1,794 |
| Memoranda: | ||
| Average total assets | $17,877,670 | 7,990 |
| Average earning assets | $17,251,000 | 7,939 |
| Average equity | $2,675,000 | 7,830 |
| Average total loans | $12,414,670 | 7,730 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5615% | 768 |
| Cost of funding earning assets | 1.7369% | 5,442 |
| Net interest margin | 4.8247% | 578 |
| Noninterest income to average assets | 0.3692% | 5,470 |
| Noninterest expense to average assets | 3.2309% | 2,853 |
| Loan and lease loss provision to assets | 0.3462% | 3,247 |
| Net operating income to assets | 1.0616% | 2,103 |
| Return on assets (ROA) | 1.0616% | 2,232 |
| Pretax return on assets | 1.4078% | 1,946 |
| Return on Equity (ROE) | 6.9251% | 3,623 |
| Retained earnings to average equity (ytd only) | 6.9251% | 2,241 |
| Net charge-offs to loans | -0.0320% | 7,573 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8148% | 5,540 |
| Assets per employee ($millions) | 3.0382% | 6,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6009% | 2,515 |
| Loan loss allowance to noncurrent loans | 175.0000% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.6144% | 5,650 |
| Noncurrent loans to loans | 0.9148% | 5,173 |
| Net loans and leases to total assets | 66.0870% | 4,564 |
| Net loans and leases to deposits | 77.7376% | 4,966 |
| Net loans and leases to core deposits | 91.2859% | 5,426 |
| Total domestic deposits to total assets | 85.0129% | 3,197 |
| Equity capital to assets | 14.6525% | 1,196 |
| Core capital (leverage) ratio | 15.2646% | 910 |
| Tier 1 risk-based capital ratio | 18.7496% | 1,869 |
| Total risk-based capital ratio | 20.0014% | 1,818 |
| Memoranda: | ||
| Average total assets | $17,332,500 | 8,054 |
| Average earning assets | $16,581,500 | 8,015 |
| Average equity | $2,657,000 | 7,880 |
| Average total loans | $12,504,500 | 7,776 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0754% | 958 |
| Cost of funding earning assets | 2.0758% | 6,149 |
| Net interest margin | 4.9996% | 510 |
| Noninterest income to average assets | 0.4708% | 4,873 |
| Noninterest expense to average assets | 3.3565% | 2,805 |
| Loan and lease loss provision to assets | 0.3301% | 3,748 |
| Net operating income to assets | 1.1616% | 1,899 |
| Return on assets (ROA) | 1.1616% | 1,827 |
| Pretax return on assets | 1.6140% | 1,345 |
| Return on Equity (ROE) | 7.3546% | 3,342 |
| Retained earnings to average equity (ytd only) | 4.1805% | 2,524 |
| Net charge-offs to loans | 0.9409% | 1,311 |
| Credit loss provision to net charge-offs | 44.6281% | 6,408 |
| Earnings coverage of net charge-offs (x) | 2.6281% | 4,774 |
| Efficiency ratio | 63.3218% | 5,706 |
| Assets per employee ($millions) | 2.7393% | 6,701 |
| Cash dividends to net income (ytd only)* | 43.1579% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4100% | 3,141 |
| Loan loss allowance to noncurrent loans | 140.6250% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.7788% | 4,900 |
| Noncurrent loans to loans | 1.0027% | 4,585 |
| Net loans and leases to total assets | 76.5758% | 2,483 |
| Net loans and leases to deposits | 91.7414% | 3,184 |
| Net loans and leases to core deposits | 103.4182% | 4,452 |
| Total domestic deposits to total assets | 83.4692% | 3,583 |
| Equity capital to assets | 16.0806% | 916 |
| Core capital (leverage) ratio | 15.7000% | 881 |
| Tier 1 risk-based capital ratio | 18.5022% | 1,918 |
| Total risk-based capital ratio | 19.7527% | 1,863 |
| Memoranda: | ||
| Average total assets | $16,356,400 | 8,131 |
| Average earning assets | $15,801,200 | 8,081 |
| Average equity | $2,583,400 | 7,952 |
| Average total loans | $12,859,600 | 7,781 |