Home > Union State Bank > Performance and Condition Ratios
Union 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 | 4.8600% | 2,361 |
| Cost of funding earning assets | 1.4998% | 1,940 |
| Net interest margin | 3.3602% | 2,495 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.6084% | 1,977 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6252% | 3,374 |
| Return on assets (ROA) | 0.6170% | 3,384 |
| Pretax return on assets | 0.6472% | 3,539 |
| Return on Equity (ROE) | 4.4300% | 3,827 |
| Retained earnings to average equity (ytd only) | 0.6593% | 3,915 |
| Net charge-offs to loans | 0.0150% | 2,100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 60.7000% | 1,184 |
| Efficiency ratio | 79.9073% | 924 |
| Assets per employee ($millions) | 6.4314% | 2,460 |
| Cash dividends to net income (ytd only)* | 85.1138% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 3,169 |
| Loan loss allowance to noncurrent loans | 14,080.0000% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 3,773 |
| Noncurrent loans to loans | 0.0073% | 3,723 |
| Net loans and leases to total assets | 70.1900% | 1,789 |
| Net loans and leases to deposits | 87.6100% | 1,472 |
| Net loans and leases to core deposits | 100.4346% | 1,404 |
| Total domestic deposits to total assets | 80.1200% | 3,442 |
| Equity capital to assets | 13.7160% | 729 |
| Core capital (leverage) ratio | 10.4179% | 2,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $92,547,600 | 3,891 |
| Average earning assets | $83,209,800 | 3,897 |
| Average equity | $12,893,000 | 3,437 |
| Average total loans | $66,683,200 | 3,597 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7571% | 2,357 |
| Cost of funding earning assets | 1.3245% | 2,077 |
| Net interest margin | 3.4326% | 2,388 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.6181% | 1,888 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6694% | 3,388 |
| Return on assets (ROA) | 0.6611% | 3,392 |
| Pretax return on assets | 0.6931% | 3,566 |
| Return on Equity (ROE) | 4.7300% | 3,861 |
| Retained earnings to average equity (ytd only) | 2.7378% | 3,572 |
| Net charge-offs to loans | 0.0221% | 1,654 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 43.8182% | 1,396 |
| Efficiency ratio | 78.8596% | 945 |
| Assets per employee ($millions) | 5.8667% | 2,872 |
| Cash dividends to net income (ytd only)* | 42.0705% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 3,272 |
| Loan loss allowance to noncurrent loans | 1,757.5000% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 3,375 |
| Noncurrent loans to loans | 0.0579% | 3,338 |
| Net loans and leases to total assets | 72.8800% | 1,481 |
| Net loans and leases to deposits | 92.1732% | 1,038 |
| Net loans and leases to core deposits | 105.7244% | 1,028 |
| Total domestic deposits to total assets | 79.0700% | 3,681 |
| Equity capital to assets | 13.5745% | 711 |
| Core capital (leverage) ratio | 10.8173% | 2,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $91,566,750 | 3,913 |
| Average earning assets | $82,345,750 | 3,918 |
| Average equity | $12,808,250 | 3,441 |
| Average total loans | $66,250,000 | 3,615 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5980% | 2,420 |
| Cost of funding earning assets | 1.1201% | 2,217 |
| Net interest margin | 3.4779% | 2,320 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.7335% | 1,569 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5649% | 3,668 |
| Return on assets (ROA) | 0.5419% | 3,729 |
| Pretax return on assets | 0.5683% | 3,852 |
| Return on Equity (ROE) | 3.8300% | 4,049 |
| Retained earnings to average equity (ytd only) | 2.3382% | 3,638 |
| Net charge-offs to loans | -0.0123% | 3,979 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.1854% | 697 |
| Assets per employee ($millions) | 5.7382% | 2,935 |
| Cash dividends to net income (ytd only)* | 39.0244% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 3,101 |
| Loan loss allowance to noncurrent loans | 14,360.0000% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 3,815 |
| Noncurrent loans to loans | 0.0074% | 3,750 |
| Net loans and leases to total assets | 72.4400% | 1,473 |
| Net loans and leases to deposits | 90.3621% | 1,161 |
| Net loans and leases to core deposits | 100.5625% | 1,206 |
| Total domestic deposits to total assets | 80.1700% | 3,550 |
| Equity capital to assets | 14.0103% | 645 |
| Core capital (leverage) ratio | 10.9684% | 1,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $90,800,000 | 3,932 |
| Average earning assets | $81,601,000 | 3,942 |
| Average equity | $12,830,333 | 3,452 |
| Average total loans | $65,295,667 | 3,630 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4122% | 2,523 |
| Cost of funding earning assets | 0.9585% | 2,187 |
| Net interest margin | 3.4537% | 2,485 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.7244% | 1,607 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5424% | 3,803 |
| Return on assets (ROA) | 0.4962% | 3,875 |
| Pretax return on assets | 0.5227% | 3,962 |
| Return on Equity (ROE) | 3.5000% | 4,117 |
| Retained earnings to average equity (ytd only) | 2.0290% | 3,700 |
| Net charge-offs to loans | -0.0249% | 4,164 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.6613% | 664 |
| Assets per employee ($millions) | 5.3232% | 3,386 |
| Cash dividends to net income (ytd only)* | 41.9643% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 2,989 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 70.4800% | 1,575 |
| Net loans and leases to deposits | 84.7584% | 1,446 |
| Net loans and leases to core deposits | 93.4505% | 1,425 |
| Total domestic deposits to total assets | 83.1500% | 3,266 |
| Equity capital to assets | 14.2693% | 557 |
| Core capital (leverage) ratio | 10.9759% | 1,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $90,294,500 | 3,991 |
| Average earning assets | $80,957,500 | 4,009 |
| Average equity | $12,814,000 | 3,500 |
| Average total loans | $64,329,000 | 3,687 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9749% | 1,776 |
| Cost of funding earning assets | 0.5684% | 1,027 |
| Net interest margin | 3.4066% | 2,235 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.3728% | 2,504 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0705% | 2,301 |
| Return on assets (ROA) | 1.0684% | 2,245 |
| Pretax return on assets | 1.1258% | 2,685 |
| Return on Equity (ROE) | 7.6800% | 3,466 |
| Retained earnings to average equity (ytd only) | 3.5971% | 3,541 |
| Net charge-offs to loans | -0.0163% | 3,991 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.7798% | 1,990 |
| Assets per employee ($millions) | 6.0013% | 2,763 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 2,835 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 70.4800% | 1,586 |
| Net loans and leases to deposits | 84.0513% | 1,473 |
| Net loans and leases to core deposits | 92.6274% | 1,358 |
| Total domestic deposits to total assets | 83.8500% | 3,239 |
| Equity capital to assets | 14.0424% | 574 |
| Core capital (leverage) ratio | 10.8485% | 1,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $92,379,000 | 3,989 |
| Average earning assets | $83,045,800 | 4,006 |
| Average equity | $12,843,800 | 3,586 |
| Average total loans | $61,264,800 | 3,700 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8519% | 1,610 |
| Cost of funding earning assets | 0.5418% | 602 |
| Net interest margin | 3.3101% | 2,264 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.2717% | 2,716 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1098% | 2,050 |
| Return on assets (ROA) | 1.1057% | 2,031 |
| Pretax return on assets | 1.1631% | 2,512 |
| Return on Equity (ROE) | 7.9700% | 3,345 |
| Retained earnings to average equity (ytd only) | 5.0046% | 3,101 |
| Net charge-offs to loans | -0.0198% | 3,991 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.0550% | 2,272 |
| Assets per employee ($millions) | 5.9896% | 2,772 |
| Cash dividends to net income (ytd only)* | 37.2244% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 2,908 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 69.8900% | 1,486 |
| Net loans and leases to deposits | 81.7982% | 1,460 |
| Net loans and leases to core deposits | 89.9898% | 1,297 |
| Total domestic deposits to total assets | 85.4400% | 3,191 |
| Equity capital to assets | 13.7115% | 592 |
| Core capital (leverage) ratio | 10.6729% | 1,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $92,968,750 | 4,013 |
| Average earning assets | $83,662,250 | 4,028 |
| Average equity | $12,894,500 | 3,621 |
| Average total loans | $60,540,750 | 3,733 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6908% | 1,561 |
| Cost of funding earning assets | 0.5424% | 412 |
| Net interest margin | 3.1484% | 2,374 |
| Noninterest income to average assets | 0.5425% | 1,981 |
| Noninterest expense to average assets | 2.2572% | 2,680 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0696% | 1,896 |
| Return on assets (ROA) | 1.0595% | 1,906 |
| Pretax return on assets | 1.1148% | 2,349 |
| Return on Equity (ROE) | 7.6110% | 3,130 |
| Retained earnings to average equity (ytd only) | 4.6919% | 2,823 |
| Net charge-offs to loans | -0.0269% | 4,006 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7296% | 2,407 |
| Assets per employee ($millions) | 6.6906% | 2,177 |
| Cash dividends to net income (ytd only)* | 38.3534% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 2,861 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 64.2792% | 1,880 |
| Net loans and leases to deposits | 74.8552% | 1,772 |
| Net loans and leases to core deposits | 81.9661% | 1,593 |
| Total domestic deposits to total assets | 85.8714% | 3,279 |
| Equity capital to assets | 13.2906% | 615 |
| Core capital (leverage) ratio | 10.0371% | 2,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,010,333 | 4,046 |
| Average earning assets | $84,804,333 | 4,065 |
| Average equity | $13,086,333 | 3,674 |
| Average total loans | $59,552,000 | 3,790 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5703% | 1,588 |
| Cost of funding earning assets | 0.5841% | 290 |
| Net interest margin | 2.9862% | 2,543 |
| Noninterest income to average assets | 0.2421% | 3,693 |
| Noninterest expense to average assets | 2.3104% | 2,459 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5944% | 3,414 |
| Return on assets (ROA) | 0.5903% | 3,406 |
| Pretax return on assets | 0.6201% | 3,580 |
| Return on Equity (ROE) | 4.1477% | 3,837 |
| Retained earnings to average equity (ytd only) | 1.2831% | 3,755 |
| Net charge-offs to loans | -0.0136% | 3,715 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7265% | 1,250 |
| Assets per employee ($millions) | 6.9085% | 2,055 |
| Cash dividends to net income (ytd only)* | 69.0647% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 2,855 |
| Loan loss allowance to noncurrent loans | 560.3175% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.1303% | 2,888 |
| Noncurrent loans to loans | 0.2143% | 2,751 |
| Net loans and leases to total assets | 60.0637% | 2,057 |
| Net loans and leases to deposits | 70.0921% | 1,958 |
| Net loans and leases to core deposits | 77.1990% | 1,680 |
| Total domestic deposits to total assets | 85.6926% | 3,347 |
| Equity capital to assets | 13.5030% | 603 |
| Core capital (leverage) ratio | 9.9577% | 2,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,181,500 | 4,058 |
| Average earning assets | $84,924,000 | 4,078 |
| Average equity | $13,405,000 | 3,719 |
| Average total loans | $58,867,500 | 3,809 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7985% | 357 |
| Cost of funding earning assets | 0.7769% | 227 |
| Net interest margin | 4.0216% | 680 |
| Noninterest income to average assets | 0.2544% | 3,854 |
| Noninterest expense to average assets | 2.4993% | 2,186 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2795% | 1,662 |
| Return on assets (ROA) | 1.2920% | 1,670 |
| Pretax return on assets | 1.3603% | 2,171 |
| Return on Equity (ROE) | 8.5546% | 3,063 |
| Retained earnings to average equity (ytd only) | 4.0330% | 3,211 |
| Net charge-offs to loans | -0.0762% | 4,496 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9771% | 2,407 |
| Assets per employee ($millions) | 6.5460% | 2,294 |
| Cash dividends to net income (ytd only)* | 52.8559% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 2,910 |
| Loan loss allowance to noncurrent loans | 558.7302% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 2,979 |
| Noncurrent loans to loans | 0.2138% | 2,888 |
| Net loans and leases to total assets | 63.5415% | 1,757 |
| Net loans and leases to deposits | 75.6112% | 1,596 |
| Net loans and leases to core deposits | 86.0351% | 1,199 |
| Total domestic deposits to total assets | 84.0371% | 3,552 |
| Equity capital to assets | 15.0037% | 492 |
| Core capital (leverage) ratio | 10.1328% | 2,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,787,200 | 4,090 |
| Average earning assets | $81,087,800 | 4,112 |
| Average equity | $13,712,000 | 3,768 |
| Average total loans | $57,708,200 | 3,855 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1052% | 253 |
| Cost of funding earning assets | 0.8094% | 234 |
| Net interest margin | 4.2958% | 457 |
| Noninterest income to average assets | 0.2458% | 3,923 |
| Noninterest expense to average assets | 2.3700% | 2,535 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6271% | 963 |
| Return on assets (ROA) | 1.6355% | 995 |
| Pretax return on assets | 1.7209% | 1,357 |
| Return on Equity (ROE) | 10.8104% | 2,436 |
| Retained earnings to average equity (ytd only) | 8.0178% | 2,050 |
| Net charge-offs to loans | -0.0813% | 4,538 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0599% | 3,252 |
| Assets per employee ($millions) | 6.3970% | 2,338 |
| Cash dividends to net income (ytd only)* | 25.8326% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 3,034 |
| Loan loss allowance to noncurrent loans | 530.5344% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 3,134 |
| Noncurrent loans to loans | 0.2245% | 3,049 |
| Net loans and leases to total assets | 64.3817% | 1,723 |
| Net loans and leases to deposits | 78.0526% | 1,476 |
| Net loans and leases to core deposits | 87.2788% | 1,201 |
| Total domestic deposits to total assets | 82.4851% | 3,828 |
| Equity capital to assets | 15.7887% | 439 |
| Core capital (leverage) ratio | 10.5387% | 2,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,573,000 | 4,142 |
| Average earning assets | $80,882,250 | 4,171 |
| Average equity | $13,702,500 | 3,818 |
| Average total loans | $57,401,250 | 3,920 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5609% | 158 |
| Cost of funding earning assets | 0.8328% | 246 |
| Net interest margin | 4.7281% | 247 |
| Noninterest income to average assets | 0.2288% | 4,029 |
| Noninterest expense to average assets | 2.3715% | 2,554 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9676% | 515 |
| Return on assets (ROA) | 1.9844% | 525 |
| Pretax return on assets | 2.0965% | 687 |
| Return on Equity (ROE) | 13.3071% | 1,624 |
| Retained earnings to average equity (ytd only) | 10.4893% | 1,256 |
| Net charge-offs to loans | -0.0175% | 3,927 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2872% | 3,889 |
| Assets per employee ($millions) | 6.1217% | 2,502 |
| Cash dividends to net income (ytd only)* | 21.1752% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 3,044 |
| Loan loss allowance to noncurrent loans | 747.1910% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 2,980 |
| Noncurrent loans to loans | 0.1581% | 3,420 |
| Net loans and leases to total assets | 60.5696% | 2,356 |
| Net loans and leases to deposits | 72.9905% | 2,112 |
| Net loans and leases to core deposits | 81.3034% | 1,770 |
| Total domestic deposits to total assets | 82.9828% | 3,709 |
| Equity capital to assets | 15.2399% | 491 |
| Core capital (leverage) ratio | 10.1032% | 2,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,911,333 | 4,165 |
| Average earning assets | $81,174,333 | 4,187 |
| Average equity | $13,556,667 | 3,837 |
| Average total loans | $57,083,667 | 3,953 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1584% | 1,272 |
| Cost of funding earning assets | 0.8723% | 255 |
| Net interest margin | 3.2861% | 2,430 |
| Noninterest income to average assets | 0.2697% | 3,785 |
| Noninterest expense to average assets | 2.4543% | 2,318 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7036% | 3,694 |
| Return on assets (ROA) | 0.7120% | 3,744 |
| Pretax return on assets | 0.7562% | 3,898 |
| Return on Equity (ROE) | 4.8283% | 4,126 |
| Retained earnings to average equity (ytd only) | 1.9493% | 4,017 |
| Net charge-offs to loans | -0.0348% | 4,238 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6575% | 1,073 |
| Assets per employee ($millions) | 6.1757% | 2,431 |
| Cash dividends to net income (ytd only)* | 59.6273% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 3,222 |
| Loan loss allowance to noncurrent loans | 2,293.1034% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.1414% | 3,468 |
| Noncurrent loans to loans | 0.0499% | 4,037 |
| Net loans and leases to total assets | 62.0234% | 2,286 |
| Net loans and leases to deposits | 74.2575% | 2,092 |
| Net loans and leases to core deposits | 82.5577% | 1,797 |
| Total domestic deposits to total assets | 83.5248% | 3,565 |
| Equity capital to assets | 14.3335% | 608 |
| Core capital (leverage) ratio | 9.7611% | 2,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,454,500 | 4,181 |
| Average earning assets | $80,704,000 | 4,206 |
| Average equity | $13,338,000 | 3,864 |
| Average total loans | $57,484,000 | 3,953 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3362% | 245 |
| Cost of funding earning assets | 1.1780% | 302 |
| Net interest margin | 4.1582% | 706 |
| Noninterest income to average assets | 0.2843% | 3,785 |
| Noninterest expense to average assets | 2.4969% | 2,854 |
| Loan and lease loss provision to assets | 0.1195% | 2,870 |
| Net operating income to assets | 1.2588% | 1,361 |
| Return on assets (ROA) | 1.2891% | 1,380 |
| Pretax return on assets | 1.3691% | 1,755 |
| Return on Equity (ROE) | 8.1975% | 2,740 |
| Retained earnings to average equity (ytd only) | 3.4872% | 3,087 |
| Net charge-offs to loans | 0.0657% | 1,843 |
| Credit loss provision to net charge-offs | 256.4103% | 1,904 |
| Earnings coverage of net charge-offs (x) | 31.2564% | 1,572 |
| Efficiency ratio | 63.1611% | 2,948 |
| Assets per employee ($millions) | 5.8849% | 2,453 |
| Cash dividends to net income (ytd only)* | 57.4606% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 3,156 |
| Loan loss allowance to noncurrent loans | 956.5217% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.1484% | 3,536 |
| Noncurrent loans to loans | 0.1214% | 3,799 |
| Net loans and leases to total assets | 63.6514% | 2,409 |
| Net loans and leases to deposits | 76.7414% | 2,208 |
| Net loans and leases to core deposits | 85.8407% | 1,883 |
| Total domestic deposits to total assets | 82.9427% | 3,428 |
| Equity capital to assets | 15.1779% | 542 |
| Core capital (leverage) ratio | 10.0316% | 2,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,702,800 | 4,201 |
| Average earning assets | $73,854,400 | 4,237 |
| Average equity | $13,162,600 | 3,849 |
| Average total loans | $59,388,600 | 3,932 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5258% | 220 |
| Cost of funding earning assets | 1.2373% | 320 |
| Net interest margin | 4.2884% | 600 |
| Noninterest income to average assets | 0.2939% | 3,722 |
| Noninterest expense to average assets | 2.5112% | 2,802 |
| Loan and lease loss provision to assets | 0.1611% | 2,387 |
| Net operating income to assets | 1.3231% | 1,305 |
| Return on assets (ROA) | 1.3630% | 1,291 |
| Pretax return on assets | 1.4357% | 1,617 |
| Return on Equity (ROE) | 8.5877% | 2,569 |
| Retained earnings to average equity (ytd only) | 5.6674% | 2,256 |
| Net charge-offs to loans | 0.0933% | 1,376 |
| Credit loss provision to net charge-offs | 238.0952% | 1,970 |
| Earnings coverage of net charge-offs (x) | 22.9286% | 1,817 |
| Efficiency ratio | 61.7554% | 3,115 |
| Assets per employee ($millions) | 5.5503% | 2,664 |
| Cash dividends to net income (ytd only)* | 34.0047% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 3,379 |
| Loan loss allowance to noncurrent loans | 501.5267% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 3,626 |
| Noncurrent loans to loans | 0.2126% | 3,531 |
| Net loans and leases to total assets | 73.2121% | 1,471 |
| Net loans and leases to deposits | 89.4945% | 1,322 |
| Net loans and leases to core deposits | 100.9791% | 1,092 |
| Total domestic deposits to total assets | 81.8063% | 3,470 |
| Equity capital to assets | 16.1914% | 448 |
| Core capital (leverage) ratio | 10.6125% | 2,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,560,250 | 4,222 |
| Average earning assets | $72,627,750 | 4,262 |
| Average equity | $13,103,750 | 3,858 |
| Average total loans | $60,024,000 | 3,942 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8779% | 168 |
| Cost of funding earning assets | 1.2884% | 378 |
| Net interest margin | 4.5895% | 421 |
| Noninterest income to average assets | 0.2794% | 3,800 |
| Noninterest expense to average assets | 2.5702% | 2,767 |
| Loan and lease loss provision to assets | 0.2429% | 1,732 |
| Net operating income to assets | 1.4268% | 1,058 |
| Return on assets (ROA) | 1.4891% | 1,021 |
| Pretax return on assets | 1.5645% | 1,311 |
| Return on Equity (ROE) | 9.4465% | 2,180 |
| Retained earnings to average equity (ytd only) | 6.5031% | 1,861 |
| Net charge-offs to loans | 0.1479% | 976 |
| Credit loss provision to net charge-offs | 227.2727% | 1,812 |
| Earnings coverage of net charge-offs (x) | 16.2955% | 1,868 |
| Efficiency ratio | 59.6056% | 3,466 |
| Assets per employee ($millions) | 5.5063% | 2,633 |
| Cash dividends to net income (ytd only)* | 31.1582% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 3,050 |
| Loan loss allowance to noncurrent loans | 500.7634% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1586% | 3,729 |
| Noncurrent loans to loans | 0.2200% | 3,592 |
| Net loans and leases to total assets | 71.2973% | 1,831 |
| Net loans and leases to deposits | 87.0995% | 1,654 |
| Net loans and leases to core deposits | 95.1618% | 1,648 |
| Total domestic deposits to total assets | 81.8573% | 3,408 |
| Equity capital to assets | 16.1450% | 453 |
| Core capital (leverage) ratio | 10.4703% | 2,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,329,000 | 4,225 |
| Average earning assets | $72,338,333 | 4,268 |
| Average equity | $12,978,333 | 3,872 |
| Average total loans | $59,495,667 | 3,958 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5566% | 331 |
| Cost of funding earning assets | 1.3752% | 442 |
| Net interest margin | 4.1813% | 960 |
| Noninterest income to average assets | 0.1801% | 4,463 |
| Noninterest expense to average assets | 2.5987% | 2,984 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1750% | 1,600 |
| Return on assets (ROA) | 1.3091% | 1,317 |
| Pretax return on assets | 1.3772% | 1,631 |
| Return on Equity (ROE) | 8.4063% | 2,345 |
| Retained earnings to average equity (ytd only) | 5.4063% | 2,112 |
| Net charge-offs to loans | -0.0067% | 3,945 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7665% | 2,715 |
| Assets per employee ($millions) | 5.5094% | 2,113 |
| Cash dividends to net income (ytd only)* | 35.6877% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0239% | 3,581 |
| Loan loss allowance to noncurrent loans | 143.1981% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.9293% | 1,430 |
| Noncurrent loans to loans | 0.7150% | 2,210 |
| Net loans and leases to total assets | 70.1831% | 2,220 |
| Net loans and leases to deposits | 85.2227% | 2,089 |
| Net loans and leases to core deposits | 96.1156% | 1,779 |
| Total domestic deposits to total assets | 82.3526% | 3,317 |
| Equity capital to assets | 15.5214% | 665 |
| Core capital (leverage) ratio | 10.2325% | 3,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,196,000 | 4,237 |
| Average earning assets | $71,843,000 | 4,285 |
| Average equity | $12,800,000 | 3,899 |
| Average total loans | $59,471,500 | 3,966 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8840% | 271 |
| Cost of funding earning assets | 1.3422% | 675 |
| Net interest margin | 4.5419% | 666 |
| Noninterest income to average assets | 0.2595% | 4,121 |
| Noninterest expense to average assets | 2.7312% | 2,797 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3859% | 1,389 |
| Return on assets (ROA) | 1.3895% | 1,451 |
| Pretax return on assets | 1.4626% | 1,925 |
| Return on Equity (ROE) | 8.8376% | 2,830 |
| Retained earnings to average equity (ytd only) | 4.5590% | 2,676 |
| Net charge-offs to loans | -0.0150% | 4,570 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1834% | 2,896 |
| Assets per employee ($millions) | 5.1094% | 2,443 |
| Cash dividends to net income (ytd only)* | 48.4134% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9927% | 3,561 |
| Loan loss allowance to noncurrent loans | 246.5021% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 1.4079% | 744 |
| Noncurrent loans to loans | 0.4027% | 3,000 |
| Net loans and leases to total assets | 73.0805% | 1,909 |
| Net loans and leases to deposits | 89.6949% | 1,629 |
| Net loans and leases to core deposits | 101.6711% | 1,434 |
| Total domestic deposits to total assets | 81.4767% | 3,655 |
| Equity capital to assets | 15.6243% | 666 |
| Core capital (leverage) ratio | 10.1676% | 3,336 |
| Tier 1 risk-based capital ratio | 12.7076% | 3,942 |
| Total risk-based capital ratio | 13.6733% | 3,986 |
| Memoranda: | ||
| Average total assets | $79,380,000 | 4,300 |
| Average earning assets | $68,694,200 | 4,363 |
| Average equity | $12,480,800 | 3,939 |
| Average total loans | $60,175,800 | 3,980 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8720% | 310 |
| Cost of funding earning assets | 1.3203% | 744 |
| Net interest margin | 4.5517% | 685 |
| Noninterest income to average assets | 0.2352% | 4,333 |
| Noninterest expense to average assets | 2.6890% | 2,899 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4115% | 1,429 |
| Return on assets (ROA) | 1.4147% | 1,482 |
| Pretax return on assets | 1.4875% | 1,995 |
| Return on Equity (ROE) | 8.9834% | 2,897 |
| Retained earnings to average equity (ytd only) | 5.8027% | 2,457 |
| Net charge-offs to loans | -0.0200% | 4,585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4363% | 2,946 |
| Assets per employee ($millions) | 5.0133% | 2,550 |
| Cash dividends to net income (ytd only)* | 35.4069% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 3,695 |
| Loan loss allowance to noncurrent loans | 356.5476% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 1.4599% | 783 |
| Noncurrent loans to loans | 0.2741% | 3,559 |
| Net loans and leases to total assets | 75.6561% | 1,537 |
| Net loans and leases to deposits | 93.2512% | 1,295 |
| Net loans and leases to core deposits | 106.0092% | 1,184 |
| Total domestic deposits to total assets | 81.1315% | 3,717 |
| Equity capital to assets | 15.9114% | 650 |
| Core capital (leverage) ratio | 10.3597% | 3,239 |
| Tier 1 risk-based capital ratio | 10.4881% | 5,080 |
| Total risk-based capital ratio | 11.2881% | 5,129 |
| Memoranda: | ||
| Average total assets | $78,787,250 | 4,364 |
| Average earning assets | $68,164,000 | 4,425 |
| Average equity | $12,407,750 | 3,985 |
| Average total loans | $60,134,000 | 4,028 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7532% | 361 |
| Cost of funding earning assets | 1.2680% | 823 |
| Net interest margin | 4.4852% | 797 |
| Noninterest income to average assets | 0.2758% | 4,092 |
| Noninterest expense to average assets | 2.7403% | 2,779 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3538% | 1,559 |
| Return on assets (ROA) | 1.3587% | 1,611 |
| Pretax return on assets | 1.4251% | 2,128 |
| Return on Equity (ROE) | 8.6579% | 2,996 |
| Retained earnings to average equity (ytd only) | 5.4682% | 2,533 |
| Net charge-offs to loans | -0.0100% | 4,330 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8686% | 2,822 |
| Assets per employee ($millions) | 4.9957% | 2,482 |
| Cash dividends to net income (ytd only)* | 36.8421% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9670% | 3,797 |
| Loan loss allowance to noncurrent loans | 82.8452% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 2.5197% | 294 |
| Noncurrent loans to loans | 1.1672% | 1,382 |
| Net loans and leases to total assets | 76.1069% | 1,528 |
| Net loans and leases to deposits | 94.8840% | 1,164 |
| Net loans and leases to core deposits | 104.3752% | 1,353 |
| Total domestic deposits to total assets | 80.2104% | 3,994 |
| Equity capital to assets | 15.6823% | 675 |
| Core capital (leverage) ratio | 10.1384% | 3,464 |
| Tier 1 risk-based capital ratio | 12.3642% | 4,212 |
| Total risk-based capital ratio | 13.3244% | 4,262 |
| Memoranda: | ||
| Average total assets | $78,312,000 | 4,403 |
| Average earning assets | $67,823,670 | 4,462 |
| Average equity | $12,289,330 | 4,007 |
| Average total loans | $59,750,330 | 4,056 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5749% | 453 |
| Cost of funding earning assets | 1.1627% | 1,008 |
| Net interest margin | 4.4122% | 872 |
| Noninterest income to average assets | 0.2374% | 4,313 |
| Noninterest expense to average assets | 2.7767% | 2,654 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2180% | 1,995 |
| Return on assets (ROA) | 1.2180% | 2,044 |
| Pretax return on assets | 1.2800% | 2,529 |
| Return on Equity (ROE) | 7.7590% | 3,355 |
| Retained earnings to average equity (ytd only) | 4.6028% | 3,081 |
| Net charge-offs to loans | -0.0136% | 4,346 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4478% | 2,576 |
| Assets per employee ($millions) | 4.8985% | 2,650 |
| Cash dividends to net income (ytd only)* | 40.6780% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9835% | 3,807 |
| Loan loss allowance to noncurrent loans | 246.0581% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 1.8513% | 557 |
| Noncurrent loans to loans | 0.3997% | 3,156 |
| Net loans and leases to total assets | 76.1751% | 1,452 |
| Net loans and leases to deposits | 94.4832% | 1,114 |
| Net loans and leases to core deposits | 108.2105% | 1,041 |
| Total domestic deposits to total assets | 80.6229% | 4,046 |
| Equity capital to assets | 15.6298% | 630 |
| Core capital (leverage) ratio | 10.2317% | 3,349 |
| Tier 1 risk-based capital ratio | 12.2196% | 4,342 |
| Total risk-based capital ratio | 13.1919% | 4,388 |
| Memoranda: | ||
| Average total assets | $77,502,500 | 4,463 |
| Average earning assets | $67,087,000 | 4,526 |
| Average equity | $12,166,500 | 4,040 |
| Average total loans | $58,912,000 | 4,112 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2657% | 620 |
| Cost of funding earning assets | 0.9523% | 915 |
| Net interest margin | 4.3134% | 1,115 |
| Noninterest income to average assets | 0.2441% | 4,458 |
| Noninterest expense to average assets | 2.5953% | 3,349 |
| Loan and lease loss provision to assets | 0.1592% | 1,293 |
| Net operating income to assets | 1.1881% | 2,229 |
| Return on assets (ROA) | 1.2247% | 2,059 |
| Pretax return on assets | 1.2844% | 2,561 |
| Return on Equity (ROE) | 7.6722% | 3,586 |
| Retained earnings to average equity (ytd only) | 2.5352% | 4,133 |
| Net charge-offs to loans | 0.1903% | 1,006 |
| Credit loss provision to net charge-offs | 112.1495% | 2,304 |
| Earnings coverage of net charge-offs (x) | 9.8972% | 2,774 |
| Efficiency ratio | 64.8756% | 3,049 |
| Assets per employee ($millions) | 5.1086% | 2,372 |
| Cash dividends to net income (ytd only)* | 66.9556% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 3,511 |
| Loan loss allowance to noncurrent loans | 37.9820% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 2.0984% | 443 |
| Noncurrent loans to loans | 2.7048% | 418 |
| Net loans and leases to total assets | 74.3022% | 1,889 |
| Net loans and leases to deposits | 92.1415% | 1,528 |
| Net loans and leases to core deposits | 102.5393% | 1,540 |
| Total domestic deposits to total assets | 80.6392% | 3,968 |
| Equity capital to assets | 15.7682% | 571 |
| Core capital (leverage) ratio | 10.2531% | 3,300 |
| Tier 1 risk-based capital ratio | 12.6863% | 4,020 |
| Total risk-based capital ratio | 13.7115% | 4,030 |
| Memoranda: | ||
| Average total assets | $75,366,600 | 4,507 |
| Average earning assets | $65,632,400 | 4,565 |
| Average equity | $12,030,400 | 4,021 |
| Average total loans | $56,214,800 | 4,183 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1750% | 662 |
| Cost of funding earning assets | 0.9005% | 919 |
| Net interest margin | 4.2744% | 1,173 |
| Noninterest income to average assets | 0.2132% | 4,691 |
| Noninterest expense to average assets | 2.3344% | 4,009 |
| Loan and lease loss provision to assets | 0.2132% | 787 |
| Net operating income to assets | 1.3217% | 1,774 |
| Return on assets (ROA) | 1.3217% | 1,781 |
| Pretax return on assets | 1.3928% | 2,253 |
| Return on Equity (ROE) | 8.2546% | 3,438 |
| Retained earnings to average equity (ytd only) | 5.0925% | 3,185 |
| Net charge-offs to loans | 0.2672% | 622 |
| Credit loss provision to net charge-offs | 107.1429% | 2,150 |
| Earnings coverage of net charge-offs (x) | 8.0714% | 2,751 |
| Efficiency ratio | 59.2426% | 3,926 |
| Assets per employee ($millions) | 4.9453% | 2,541 |
| Cash dividends to net income (ytd only)* | 38.3062% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 3,611 |
| Loan loss allowance to noncurrent loans | 36.5169% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 2.2297% | 437 |
| Noncurrent loans to loans | 2.8110% | 417 |
| Net loans and leases to total assets | 76.0380% | 1,654 |
| Net loans and leases to deposits | 97.7235% | 969 |
| Net loans and leases to core deposits | 105.0079% | 1,382 |
| Total domestic deposits to total assets | 77.8094% | 4,506 |
| Equity capital to assets | 16.5044% | 455 |
| Core capital (leverage) ratio | 10.6285% | 2,957 |
| Tier 1 risk-based capital ratio | 13.3460% | 3,709 |
| Total risk-based capital ratio | 14.3917% | 3,728 |
| Memoranda: | ||
| Average total assets | $75,051,000 | 4,559 |
| Average earning assets | $65,441,500 | 4,616 |
| Average equity | $12,017,250 | 4,054 |
| Average total loans | $55,886,500 | 4,237 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2908% | 480 |
| Cost of funding earning assets | 0.8575% | 889 |
| Net interest margin | 4.4333% | 793 |
| Noninterest income to average assets | 0.1779% | 4,933 |
| Noninterest expense to average assets | 2.2591% | 4,240 |
| Loan and lease loss provision to assets | 0.3186% | 430 |
| Net operating income to assets | 1.3990% | 1,445 |
| Return on assets (ROA) | 1.3990% | 1,446 |
| Pretax return on assets | 1.4706% | 1,923 |
| Return on Equity (ROE) | 8.8260% | 3,100 |
| Retained earnings to average equity (ytd only) | 5.6272% | 2,756 |
| Net charge-offs to loans | 0.5764% | 259 |
| Credit loss provision to net charge-offs | 75.0000% | 2,304 |
| Earnings coverage of net charge-offs (x) | 4.2125% | 2,809 |
| Efficiency ratio | 55.8033% | 4,501 |
| Assets per employee ($millions) | 4.6711% | 2,853 |
| Cash dividends to net income (ytd only)* | 36.2429% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 4,004 |
| Loan loss allowance to noncurrent loans | 27.4770% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 2.6894% | 305 |
| Noncurrent loans to loans | 3.5335% | 274 |
| Net loans and leases to total assets | 73.4241% | 2,055 |
| Net loans and leases to deposits | 88.9399% | 1,993 |
| Net loans and leases to core deposits | 95.0957% | 2,138 |
| Total domestic deposits to total assets | 82.5548% | 3,549 |
| Equity capital to assets | 16.2008% | 474 |
| Core capital (leverage) ratio | 10.1599% | 3,406 |
| Tier 1 risk-based capital ratio | 13.1734% | 3,808 |
| Total risk-based capital ratio | 14.1386% | 3,875 |
| Memoranda: | ||
| Average total assets | $75,341,330 | 4,602 |
| Average earning assets | $65,774,670 | 4,661 |
| Average equity | $11,942,000 | 4,091 |
| Average total loans | $55,518,670 | 4,269 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1457% | 545 |
| Cost of funding earning assets | 0.8173% | 889 |
| Net interest margin | 4.3284% | 905 |
| Noninterest income to average assets | 0.1851% | 4,920 |
| Noninterest expense to average assets | 2.2368% | 4,336 |
| Loan and lease loss provision to assets | 0.6346% | 155 |
| Net operating income to assets | 1.0417% | 2,683 |
| Return on assets (ROA) | 1.0417% | 2,702 |
| Pretax return on assets | 1.0946% | 3,190 |
| Return on Equity (ROE) | 6.6447% | 3,928 |
| Retained earnings to average equity (ytd only) | 3.4404% | 3,829 |
| Net charge-offs to loans | 1.1589% | 124 |
| Credit loss provision to net charge-offs | 74.5342% | 1,795 |
| Earnings coverage of net charge-offs (x) | 2.0311% | 2,497 |
| Efficiency ratio | 56.4000% | 4,530 |
| Assets per employee ($millions) | 5.5110% | 1,933 |
| Cash dividends to net income (ytd only)* | 48.2234% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 4,065 |
| Loan loss allowance to noncurrent loans | 251.6432% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.2761% | 3,763 |
| Noncurrent loans to loans | 0.3894% | 3,393 |
| Net loans and leases to total assets | 70.2063% | 2,448 |
| Net loans and leases to deposits | 84.2175% | 2,366 |
| Net loans and leases to core deposits | 90.1686% | 2,438 |
| Total domestic deposits to total assets | 83.3631% | 3,557 |
| Equity capital to assets | 15.4094% | 584 |
| Core capital (leverage) ratio | 10.0125% | 3,522 |
| Tier 1 risk-based capital ratio | 12.0875% | 4,503 |
| Total risk-based capital ratio | 12.9988% | 4,594 |
| Memoranda: | ||
| Average total assets | $75,643,500 | 4,650 |
| Average earning assets | $66,074,500 | 4,712 |
| Average equity | $11,859,000 | 4,147 |
| Average total loans | $55,571,500 | 4,313 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0867% | 547 |
| Cost of funding earning assets | 0.7028% | 1,004 |
| Net interest margin | 4.3839% | 803 |
| Noninterest income to average assets | 0.2475% | 4,650 |
| Noninterest expense to average assets | 2.5894% | 3,477 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4250% | 963 |
| Return on assets (ROA) | 1.4250% | 981 |
| Pretax return on assets | 1.5062% | 1,616 |
| Return on Equity (ROE) | 9.2659% | 2,188 |
| Retained earnings to average equity (ytd only) | 4.0112% | 2,791 |
| Net charge-offs to loans | 0.0613% | 2,595 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 32.8571% | 1,452 |
| Efficiency ratio | 61.4007% | 4,035 |
| Assets per employee ($millions) | 5.2952% | 2,153 |
| Cash dividends to net income (ytd only)* | 56.7096% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 3,782 |
| Loan loss allowance to noncurrent loans | 296.4103% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.2630% | 3,834 |
| Noncurrent loans to loans | 0.3455% | 3,520 |
| Net loans and leases to total assets | 75.3538% | 1,704 |
| Net loans and leases to deposits | 93.1111% | 1,375 |
| Net loans and leases to core deposits | 99.2943% | 1,768 |
| Total domestic deposits to total assets | 80.9289% | 4,134 |
| Equity capital to assets | 15.9565% | 522 |
| Core capital (leverage) ratio | 9.9234% | 3,550 |
| Tier 1 risk-based capital ratio | 12.6330% | 4,127 |
| Total risk-based capital ratio | 13.6750% | 4,153 |
| Memoranda: | ||
| Average total assets | $76,351,000 | 4,661 |
| Average earning assets | $67,017,600 | 4,725 |
| Average equity | $11,742,000 | 4,178 |
| Average total loans | $57,111,200 | 4,263 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0158% | 593 |
| Cost of funding earning assets | 0.6861% | 1,032 |
| Net interest margin | 4.3296% | 858 |
| Noninterest income to average assets | 0.2306% | 4,832 |
| Noninterest expense to average assets | 2.3405% | 4,187 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6089% | 698 |
| Return on assets (ROA) | 1.6089% | 720 |
| Pretax return on assets | 1.6973% | 1,133 |
| Return on Equity (ROE) | 10.5569% | 1,877 |
| Retained earnings to average equity (ytd only) | 7.4285% | 1,472 |
| Net charge-offs to loans | 0.0023% | 3,676 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 981.4286% | 102 |
| Efficiency ratio | 55.9897% | 4,737 |
| Assets per employee ($millions) | 5.7830% | 1,664 |
| Cash dividends to net income (ytd only)* | 29.6339% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0731% | 3,649 |
| Loan loss allowance to noncurrent loans | 146.8750% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.5533% | 2,863 |
| Noncurrent loans to loans | 0.7306% | 2,530 |
| Net loans and leases to total assets | 74.9252% | 1,773 |
| Net loans and leases to deposits | 92.7668% | 1,448 |
| Net loans and leases to core deposits | 98.8419% | 1,814 |
| Total domestic deposits to total assets | 80.7672% | 4,114 |
| Equity capital to assets | 16.0377% | 540 |
| Core capital (leverage) ratio | 10.0934% | 3,451 |
| Tier 1 risk-based capital ratio | 12.7650% | 4,160 |
| Total risk-based capital ratio | 13.8506% | 4,163 |
| Memoranda: | ||
| Average total assets | $76,905,500 | 4,696 |
| Average earning assets | $67,625,250 | 4,759 |
| Average equity | $11,720,250 | 4,228 |
| Average total loans | $57,279,000 | 4,302 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9285% | 653 |
| Cost of funding earning assets | 0.6765% | 1,008 |
| Net interest margin | 4.2520% | 970 |
| Noninterest income to average assets | 0.2272% | 4,885 |
| Noninterest expense to average assets | 2.2973% | 4,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6056% | 698 |
| Return on assets (ROA) | 1.6056% | 720 |
| Pretax return on assets | 1.6778% | 1,109 |
| Return on Equity (ROE) | 10.7167% | 1,753 |
| Retained earnings to average equity (ytd only) | 7.6154% | 1,310 |
| Net charge-offs to loans | 0.0383% | 2,436 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 59.0909% | 959 |
| Efficiency ratio | 55.7792% | 4,856 |
| Assets per employee ($millions) | 5.4373% | 1,933 |
| Cash dividends to net income (ytd only)* | 28.9389% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0585% | 3,800 |
| Loan loss allowance to noncurrent loans | 108.6799% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.8605% | 2,061 |
| Noncurrent loans to loans | 0.9739% | 2,018 |
| Net loans and leases to total assets | 73.8013% | 1,907 |
| Net loans and leases to deposits | 88.6943% | 1,900 |
| Net loans and leases to core deposits | 95.4435% | 2,031 |
| Total domestic deposits to total assets | 83.2085% | 3,502 |
| Equity capital to assets | 15.5803% | 597 |
| Core capital (leverage) ratio | 9.4968% | 4,136 |
| Tier 1 risk-based capital ratio | 12.3435% | 4,391 |
| Total risk-based capital ratio | 13.4092% | 4,402 |
| Memoranda: | ||
| Average total assets | $77,481,000 | 4,715 |
| Average earning assets | $68,297,000 | 4,781 |
| Average equity | $11,608,000 | 4,253 |
| Average total loans | $57,392,330 | 4,325 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8250% | 712 |
| Cost of funding earning assets | 0.6777% | 945 |
| Net interest margin | 4.1473% | 1,101 |
| Noninterest income to average assets | 0.2354% | 4,858 |
| Noninterest expense to average assets | 2.2569% | 4,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5558% | 739 |
| Return on assets (ROA) | 1.5558% | 760 |
| Pretax return on assets | 1.6428% | 1,142 |
| Return on Equity (ROE) | 10.5905% | 1,701 |
| Retained earnings to average equity (ytd only) | 7.4551% | 1,670 |
| Net charge-offs to loans | 0.0208% | 2,363 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 107.0000% | 508 |
| Efficiency ratio | 55.9055% | 4,947 |
| Assets per employee ($millions) | 6.0808% | 1,442 |
| Cash dividends to net income (ytd only)* | 29.6053% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 3,915 |
| Loan loss allowance to noncurrent loans | 392.9032% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.4465% | 3,409 |
| Noncurrent loans to loans | 0.2705% | 4,135 |
| Net loans and leases to total assets | 71.7043% | 2,112 |
| Net loans and leases to deposits | 87.8779% | 1,820 |
| Net loans and leases to core deposits | 94.4260% | 1,943 |
| Total domestic deposits to total assets | 81.5954% | 4,278 |
| Equity capital to assets | 14.6703% | 717 |
| Core capital (leverage) ratio | 9.1532% | 4,542 |
| Tier 1 risk-based capital ratio | 11.7329% | 4,894 |
| Total risk-based capital ratio | 12.7955% | 4,905 |
| Memoranda: | ||
| Average total assets | $78,160,500 | 4,748 |
| Average earning assets | $69,056,500 | 4,811 |
| Average equity | $11,482,000 | 4,310 |
| Average total loans | $57,698,500 | 4,361 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0792% | 519 |
| Cost of funding earning assets | 0.6808% | 904 |
| Net interest margin | 4.3984% | 779 |
| Noninterest income to average assets | 0.2305% | 5,029 |
| Noninterest expense to average assets | 2.3665% | 4,377 |
| Loan and lease loss provision to assets | 0.1302% | 1,914 |
| Net operating income to assets | 1.5923% | 693 |
| Return on assets (ROA) | 1.6059% | 696 |
| Pretax return on assets | 1.6945% | 1,014 |
| Return on Equity (ROE) | 10.7247% | 1,683 |
| Retained earnings to average equity (ytd only) | 1.0351% | 4,904 |
| Net charge-offs to loans | 0.0873% | 2,450 |
| Credit loss provision to net charge-offs | 192.3077% | 1,475 |
| Earnings coverage of net charge-offs (x) | 26.7308% | 1,540 |
| Efficiency ratio | 54.7240% | 5,177 |
| Assets per employee ($millions) | 5.5193% | 1,851 |
| Cash dividends to net income (ytd only)* | 90.3487% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 3,982 |
| Loan loss allowance to noncurrent loans | 785.8974% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.3637% | 3,825 |
| Noncurrent loans to loans | 0.1342% | 4,697 |
| Net loans and leases to total assets | 74.4040% | 1,780 |
| Net loans and leases to deposits | 91.3079% | 1,535 |
| Net loans and leases to core deposits | 98.2702% | 1,751 |
| Total domestic deposits to total assets | 81.4870% | 4,211 |
| Equity capital to assets | 14.7108% | 689 |
| Core capital (leverage) ratio | 8.8970% | 4,857 |
| Tier 1 risk-based capital ratio | 11.3438% | 5,147 |
| Total risk-based capital ratio | 12.4136% | 5,136 |
| Memoranda: | ||
| Average total assets | $76,778,800 | 4,799 |
| Average earning assets | $68,888,800 | 4,830 |
| Average equity | $11,496,800 | 4,337 |
| Average total loans | $59,566,000 | 4,313 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0834% | 516 |
| Cost of funding earning assets | 0.6738% | 930 |
| Net interest margin | 4.4096% | 762 |
| Noninterest income to average assets | 0.2331% | 5,078 |
| Noninterest expense to average assets | 2.2020% | 4,766 |
| Loan and lease loss provision to assets | 0.1565% | 1,484 |
| Net operating income to assets | 1.7507% | 535 |
| Return on assets (ROA) | 1.7689% | 546 |
| Pretax return on assets | 1.8663% | 768 |
| Return on Equity (ROE) | 11.7611% | 1,403 |
| Retained earnings to average equity (ytd only) | 3.3884% | 3,871 |
| Net charge-offs to loans | 0.0400% | 2,832 |
| Credit loss provision to net charge-offs | 500.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 63.9983% | 908 |
| Efficiency ratio | 50.4549% | 5,471 |
| Assets per employee ($millions) | 5.4531% | 1,897 |
| Cash dividends to net income (ytd only)* | 71.1896% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 4,075 |
| Loan loss allowance to noncurrent loans | 1,592.5000% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.3275% | 4,092 |
| Noncurrent loans to loans | 0.0665% | 5,084 |
| Net loans and leases to total assets | 77.9574% | 1,205 |
| Net loans and leases to deposits | 96.4243% | 1,008 |
| Net loans and leases to core deposits | 106.1952% | 1,173 |
| Total domestic deposits to total assets | 80.8483% | 4,286 |
| Equity capital to assets | 15.2902% | 674 |
| Core capital (leverage) ratio | 9.2752% | 4,493 |
| Tier 1 risk-based capital ratio | 11.5925% | 5,035 |
| Total risk-based capital ratio | 12.6978% | 5,028 |
| Memoranda: | ||
| Average total assets | $76,656,000 | 4,833 |
| Average earning assets | $69,060,000 | 4,863 |
| Average equity | $11,529,250 | 4,373 |
| Average total loans | $59,931,250 | 4,327 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0269% | 557 |
| Cost of funding earning assets | 0.6626% | 977 |
| Net interest margin | 4.3643% | 828 |
| Noninterest income to average assets | 0.2110% | 5,233 |
| Noninterest expense to average assets | 2.1991% | 4,848 |
| Loan and lease loss provision to assets | 0.1563% | 1,457 |
| Net operating income to assets | 1.7092% | 571 |
| Return on assets (ROA) | 1.7092% | 599 |
| Pretax return on assets | 1.8030% | 876 |
| Return on Equity (ROE) | 11.4272% | 1,503 |
| Retained earnings to average equity (ytd only) | 2.3168% | 4,398 |
| Net charge-offs to loans | 0.0234% | 3,020 |
| Credit loss provision to net charge-offs | 857.1429% | 419 |
| Earnings coverage of net charge-offs (x) | 107.4286% | 536 |
| Efficiency ratio | 50.9398% | 5,505 |
| Assets per employee ($millions) | 5.4555% | 1,837 |
| Cash dividends to net income (ytd only)* | 79.7256% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 4,353 |
| Loan loss allowance to noncurrent loans | 292.8910% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.4137% | 3,845 |
| Noncurrent loans to loans | 0.3514% | 4,115 |
| Net loans and leases to total assets | 77.8179% | 1,231 |
| Net loans and leases to deposits | 95.4135% | 1,148 |
| Net loans and leases to core deposits | 103.5922% | 1,356 |
| Total domestic deposits to total assets | 81.5586% | 4,124 |
| Equity capital to assets | 15.0975% | 710 |
| Core capital (leverage) ratio | 8.8965% | 4,943 |
| Tier 1 risk-based capital ratio | 11.3895% | 5,225 |
| Total risk-based capital ratio | 12.4698% | 5,217 |
| Memoranda: | ||
| Average total assets | $76,760,330 | 4,881 |
| Average earning assets | $69,426,670 | 4,901 |
| Average equity | $11,481,330 | 4,400 |
| Average total loans | $59,857,670 | 4,357 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0408% | 538 |
| Cost of funding earning assets | 0.6545% | 1,028 |
| Net interest margin | 4.3863% | 762 |
| Noninterest income to average assets | 0.2183% | 5,175 |
| Noninterest expense to average assets | 2.2248% | 4,847 |
| Loan and lease loss provision to assets | 0.1040% | 1,973 |
| Net operating income to assets | 1.7673% | 492 |
| Return on assets (ROA) | 1.7673% | 527 |
| Pretax return on assets | 1.8609% | 753 |
| Return on Equity (ROE) | 11.8710% | 1,347 |
| Retained earnings to average equity (ytd only) | 8.1002% | 1,413 |
| Net charge-offs to loans | 0.0335% | 2,294 |
| Credit loss provision to net charge-offs | 400.0000% | 706 |
| Earnings coverage of net charge-offs (x) | 75.6000% | 662 |
| Efficiency ratio | 51.2407% | 5,553 |
| Assets per employee ($millions) | 5.8919% | 1,493 |
| Cash dividends to net income (ytd only)* | 31.7647% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9921% | 4,649 |
| Loan loss allowance to noncurrent loans | 269.7674% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.4295% | 3,872 |
| Noncurrent loans to loans | 0.3678% | 4,114 |
| Net loans and leases to total assets | 75.5650% | 1,460 |
| Net loans and leases to deposits | 92.7295% | 1,263 |
| Net loans and leases to core deposits | 100.6504% | 1,433 |
| Total domestic deposits to total assets | 81.4897% | 4,360 |
| Equity capital to assets | 15.1289% | 667 |
| Core capital (leverage) ratio | 9.1253% | 4,700 |
| Tier 1 risk-based capital ratio | 11.4763% | 5,246 |
| Total risk-based capital ratio | 12.4857% | 5,283 |
| Memoranda: | ||
| Average total assets | $76,952,000 | 4,920 |
| Average earning assets | $69,672,000 | 4,934 |
| Average equity | $11,456,500 | 4,423 |
| Average total loans | $59,760,000 | 4,377 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0740% | 541 |
| Cost of funding earning assets | 0.6790% | 918 |
| Net interest margin | 4.3950% | 803 |
| Noninterest income to average assets | 0.2121% | 5,320 |
| Noninterest expense to average assets | 2.0463% | 5,364 |
| Loan and lease loss provision to assets | 0.1734% | 1,315 |
| Net operating income to assets | 1.8502% | 446 |
| Return on assets (ROA) | 1.8502% | 454 |
| Pretax return on assets | 1.9556% | 593 |
| Return on Equity (ROE) | 12.4690% | 1,190 |
| Retained earnings to average equity (ytd only) | 5.4569% | 2,101 |
| Net charge-offs to loans | 0.0748% | 2,757 |
| Credit loss provision to net charge-offs | 302.3256% | 977 |
| Earnings coverage of net charge-offs (x) | 37.1163% | 1,243 |
| Efficiency ratio | 47.0288% | 5,879 |
| Assets per employee ($millions) | 5.5221% | 1,781 |
| Cash dividends to net income (ytd only)* | 56.2365% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9253% | 4,992 |
| Loan loss allowance to noncurrent loans | 206.9597% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.3790% | 4,077 |
| Noncurrent loans to loans | 0.4471% | 3,869 |
| Net loans and leases to total assets | 78.2522% | 1,086 |
| Net loans and leases to deposits | 97.0047% | 908 |
| Net loans and leases to core deposits | 104.5902% | 1,191 |
| Total domestic deposits to total assets | 80.6685% | 4,577 |
| Equity capital to assets | 14.6490% | 743 |
| Core capital (leverage) ratio | 8.6960% | 5,221 |
| Tier 1 risk-based capital ratio | 10.9173% | 5,560 |
| Total risk-based capital ratio | 11.8856% | 5,628 |
| Memoranda: | ||
| Average total assets | $74,964,800 | 4,971 |
| Average earning assets | $67,599,200 | 4,993 |
| Average equity | $11,123,600 | 4,454 |
| Average total loans | $57,449,400 | 4,443 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0411% | 569 |
| Cost of funding earning assets | 0.6764% | 948 |
| Net interest margin | 4.3647% | 852 |
| Noninterest income to average assets | 0.2241% | 5,312 |
| Noninterest expense to average assets | 1.9629% | 5,545 |
| Loan and lease loss provision to assets | 0.1793% | 1,168 |
| Net operating income to assets | 1.9091% | 419 |
| Return on assets (ROA) | 1.9091% | 438 |
| Pretax return on assets | 2.0148% | 583 |
| Return on Equity (ROE) | 12.8233% | 1,168 |
| Retained earnings to average equity (ytd only) | 9.8975% | 650 |
| Net charge-offs to loans | 0.1462% | 1,665 |
| Credit loss provision to net charge-offs | 161.2903% | 1,592 |
| Earnings coverage of net charge-offs (x) | 19.7430% | 1,917 |
| Efficiency ratio | 45.2350% | 5,990 |
| Assets per employee ($millions) | 6.4040% | 1,113 |
| Cash dividends to net income (ytd only)* | 22.8168% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8614% | 5,324 |
| Loan loss allowance to noncurrent loans | 268.7500% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.3006% | 4,567 |
| Noncurrent loans to loans | 0.3205% | 4,450 |
| Net loans and leases to total assets | 77.2772% | 1,211 |
| Net loans and leases to deposits | 95.1120% | 1,084 |
| Net loans and leases to core deposits | 102.0922% | 1,380 |
| Total domestic deposits to total assets | 81.2487% | 4,410 |
| Equity capital to assets | 15.0167% | 733 |
| Core capital (leverage) ratio | 9.1656% | 4,780 |
| Tier 1 risk-based capital ratio | 11.5554% | 5,341 |
| Total risk-based capital ratio | 12.4618% | 5,439 |
| Memoranda: | ||
| Average total assets | $74,378,750 | 5,038 |
| Average earning assets | $67,021,000 | 5,075 |
| Average equity | $11,073,250 | 4,517 |
| Average total loans | $56,546,500 | 4,527 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0002% | 595 |
| Cost of funding earning assets | 0.6733% | 973 |
| Net interest margin | 4.3268% | 869 |
| Noninterest income to average assets | 0.2393% | 5,245 |
| Noninterest expense to average assets | 2.0230% | 5,484 |
| Loan and lease loss provision to assets | 0.1903% | 1,052 |
| Net operating income to assets | 1.8245% | 490 |
| Return on assets (ROA) | 1.8245% | 512 |
| Pretax return on assets | 1.9224% | 705 |
| Return on Equity (ROE) | 12.2920% | 1,284 |
| Retained earnings to average equity (ytd only) | 8.0420% | 1,248 |
| Net charge-offs to loans | -0.0072% | 4,840 |
| Credit loss provision to net charge-offs | -3,500.0000% | 5,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8771% | 6,012 |
| Assets per employee ($millions) | 5.8485% | 1,466 |
| Cash dividends to net income (ytd only)* | 34.5753% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9405% | 5,142 |
| Loan loss allowance to noncurrent loans | 269.1176% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.4130% | 4,257 |
| Noncurrent loans to loans | 0.3495% | 4,443 |
| Net loans and leases to total assets | 76.0555% | 1,361 |
| Net loans and leases to deposits | 92.7500% | 1,278 |
| Net loans and leases to core deposits | 102.1824% | 1,318 |
| Total domestic deposits to total assets | 82.0005% | 4,294 |
| Equity capital to assets | 14.6061% | 799 |
| Core capital (leverage) ratio | 8.6481% | 5,375 |
| Tier 1 risk-based capital ratio | 11.1662% | 5,635 |
| Total risk-based capital ratio | 12.1569% | 5,679 |
| Memoranda: | ||
| Average total assets | $73,555,670 | 5,114 |
| Average earning assets | $66,238,000 | 5,147 |
| Average equity | $10,917,670 | 4,574 |
| Average total loans | $55,428,000 | 4,601 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9481% | 622 |
| Cost of funding earning assets | 0.6524% | 1,103 |
| Net interest margin | 4.2957% | 885 |
| Noninterest income to average assets | 0.2323% | 5,300 |
| Noninterest expense to average assets | 2.0078% | 5,563 |
| Loan and lease loss provision to assets | 0.2212% | 801 |
| Net operating income to assets | 1.7699% | 510 |
| Return on assets (ROA) | 1.7699% | 537 |
| Pretax return on assets | 1.8640% | 765 |
| Return on Equity (ROE) | 11.8256% | 1,391 |
| Retained earnings to average equity (ytd only) | 7.7236% | 1,675 |
| Net charge-offs to loans | -0.0074% | 4,616 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0270% | 6,063 |
| Assets per employee ($millions) | 5.7018% | 1,623 |
| Cash dividends to net income (ytd only)* | 34.6875% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9410% | 5,289 |
| Loan loss allowance to noncurrent loans | 415.2000% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.3170% | 4,719 |
| Noncurrent loans to loans | 0.2266% | 4,958 |
| Net loans and leases to total assets | 73.7059% | 1,548 |
| Net loans and leases to deposits | 88.9861% | 1,508 |
| Net loans and leases to core deposits | 98.6262% | 1,419 |
| Total domestic deposits to total assets | 82.8285% | 4,226 |
| Equity capital to assets | 14.7727% | 756 |
| Core capital (leverage) ratio | 8.8041% | 5,197 |
| Tier 1 risk-based capital ratio | 11.0259% | 5,797 |
| Total risk-based capital ratio | 11.9872% | 5,850 |
| Memoranda: | ||
| Average total assets | $72,318,500 | 5,188 |
| Average earning assets | $64,995,000 | 5,233 |
| Average equity | $10,824,000 | 4,632 |
| Average total loans | $53,955,000 | 4,675 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9864% | 798 |
| Cost of funding earning assets | 0.7756% | 740 |
| Net interest margin | 4.2108% | 1,265 |
| Noninterest income to average assets | 0.2449% | 5,372 |
| Noninterest expense to average assets | 2.0066% | 5,750 |
| Loan and lease loss provision to assets | 0.1638% | 1,602 |
| Net operating income to assets | 1.7416% | 530 |
| Return on assets (ROA) | 1.7673% | 517 |
| Pretax return on assets | 1.8670% | 684 |
| Return on Equity (ROE) | 11.8148% | 1,463 |
| Retained earnings to average equity (ytd only) | 1.7517% | 4,943 |
| Net charge-offs to loans | 0.1174% | 2,867 |
| Credit loss provision to net charge-offs | 198.2759% | 1,244 |
| Earnings coverage of net charge-offs (x) | 24.2586% | 1,547 |
| Efficiency ratio | 47.8338% | 6,188 |
| Assets per employee ($millions) | 5.8762% | 1,471 |
| Cash dividends to net income (ytd only)* | 85.1732% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9060% | 5,459 |
| Loan loss allowance to noncurrent loans | 7,966.6667% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 5,337 |
| Noncurrent loans to loans | 0.0114% | 5,871 |
| Net loans and leases to total assets | 74.1413% | 1,561 |
| Net loans and leases to deposits | 90.9518% | 1,408 |
| Net loans and leases to core deposits | 98.4595% | 1,515 |
| Total domestic deposits to total assets | 81.5171% | 4,590 |
| Equity capital to assets | 15.1715% | 676 |
| Core capital (leverage) ratio | 8.3952% | 5,666 |
| Tier 1 risk-based capital ratio | 11.1118% | 5,865 |
| Total risk-based capital ratio | 12.0554% | 5,923 |
| Memoranda: | ||
| Average total assets | $70,219,200 | 5,281 |
| Average earning assets | $62,790,400 | 5,316 |
| Average equity | $10,503,800 | 4,653 |
| Average total loans | $49,404,000 | 4,838 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9165% | 898 |
| Cost of funding earning assets | 0.7142% | 1,083 |
| Net interest margin | 4.2023% | 1,286 |
| Noninterest income to average assets | 0.2376% | 5,506 |
| Noninterest expense to average assets | 1.8951% | 5,959 |
| Loan and lease loss provision to assets | 0.1616% | 1,543 |
| Net operating income to assets | 1.8369% | 479 |
| Return on assets (ROA) | 1.8513% | 477 |
| Pretax return on assets | 1.9540% | 636 |
| Return on Equity (ROE) | 12.4208% | 1,360 |
| Retained earnings to average equity (ytd only) | 4.1063% | 3,730 |
| Net charge-offs to loans | -0.0192% | 5,599 |
| Credit loss provision to net charge-offs | -1,214.2857% | 5,900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2426% | 6,320 |
| Assets per employee ($millions) | 5.9348% | 1,373 |
| Cash dividends to net income (ytd only)* | 66.9405% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9806% | 5,291 |
| Loan loss allowance to noncurrent loans | 436.7521% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.3258% | 4,972 |
| Noncurrent loans to loans | 0.2245% | 5,222 |
| Net loans and leases to total assets | 72.4532% | 1,772 |
| Net loans and leases to deposits | 91.9686% | 1,235 |
| Net loans and leases to core deposits | 99.6793% | 1,397 |
| Total domestic deposits to total assets | 78.7803% | 5,376 |
| Equity capital to assets | 15.1214% | 713 |
| Core capital (leverage) ratio | 8.6987% | 5,442 |
| Tier 1 risk-based capital ratio | 11.3498% | 5,862 |
| Total risk-based capital ratio | 12.3577% | 5,904 |
| Memoranda: | ||
| Average total assets | $70,145,500 | 5,338 |
| Average earning assets | $62,725,500 | 5,380 |
| Average equity | $10,455,250 | 4,698 |
| Average total loans | $48,565,500 | 4,917 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8306% | 1,020 |
| Cost of funding earning assets | 0.7020% | 1,183 |
| Net interest margin | 4.1286% | 1,433 |
| Noninterest income to average assets | 0.2350% | 5,520 |
| Noninterest expense to average assets | 1.9402% | 5,928 |
| Loan and lease loss provision to assets | 0.1863% | 1,312 |
| Net operating income to assets | 1.7052% | 570 |
| Return on assets (ROA) | 1.7052% | 595 |
| Pretax return on assets | 1.7997% | 844 |
| Return on Equity (ROE) | 11.4968% | 1,575 |
| Retained earnings to average equity (ytd only) | 3.2075% | 4,160 |
| Net charge-offs to loans | 0.0127% | 3,986 |
| Credit loss provision to net charge-offs | 2,166.6667% | 167 |
| Earnings coverage of net charge-offs (x) | 231.0000% | 295 |
| Efficiency ratio | 47.1533% | 6,319 |
| Assets per employee ($millions) | 5.4318% | 1,761 |
| Cash dividends to net income (ytd only)* | 72.1008% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 5,499 |
| Loan loss allowance to noncurrent loans | 260.0000% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.3328% | 5,044 |
| Noncurrent loans to loans | 0.3721% | 4,877 |
| Net loans and leases to total assets | 69.7340% | 2,129 |
| Net loans and leases to deposits | 86.6769% | 1,753 |
| Net loans and leases to core deposits | 91.6659% | 1,958 |
| Total domestic deposits to total assets | 80.4529% | 5,143 |
| Equity capital to assets | 14.9786% | 704 |
| Core capital (leverage) ratio | 8.4428% | 5,698 |
| Tier 1 risk-based capital ratio | 11.5011% | 5,798 |
| Total risk-based capital ratio | 12.4923% | 5,882 |
| Memoranda: | ||
| Average total assets | $69,788,330 | 5,396 |
| Average earning assets | $62,394,000 | 5,443 |
| Average equity | $10,350,670 | 4,733 |
| Average total loans | $47,384,000 | 4,986 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7692% | 1,107 |
| Cost of funding earning assets | 0.6767% | 1,395 |
| Net interest margin | 4.0925% | 1,474 |
| Noninterest income to average assets | 0.2133% | 5,651 |
| Noninterest expense to average assets | 2.0180% | 5,850 |
| Loan and lease loss provision to assets | 0.1730% | 1,398 |
| Net operating income to assets | 1.5913% | 677 |
| Return on assets (ROA) | 1.5913% | 705 |
| Pretax return on assets | 1.6836% | 1,008 |
| Return on Equity (ROE) | 10.7839% | 1,767 |
| Retained earnings to average equity (ytd only) | 2.6569% | 4,483 |
| Net charge-offs to loans | 0.0087% | 3,451 |
| Credit loss provision to net charge-offs | 3,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 322.0000% | 150 |
| Efficiency ratio | 49.8512% | 6,262 |
| Assets per employee ($millions) | 5.9547% | 1,333 |
| Cash dividends to net income (ytd only)* | 75.3623% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 5,639 |
| Loan loss allowance to noncurrent loans | 326.0870% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 5,643 |
| Noncurrent loans to loans | 0.2972% | 5,223 |
| Net loans and leases to total assets | 64.3501% | 2,833 |
| Net loans and leases to deposits | 76.8454% | 2,706 |
| Net loans and leases to core deposits | 82.1210% | 2,726 |
| Total domestic deposits to total assets | 83.7396% | 4,373 |
| Equity capital to assets | 14.4676% | 798 |
| Core capital (leverage) ratio | 8.5820% | 5,547 |
| Tier 1 risk-based capital ratio | 12.0692% | 5,599 |
| Total risk-based capital ratio | 13.0627% | 5,689 |
| Memoranda: | ||
| Average total assets | $69,375,500 | 5,462 |
| Average earning assets | $62,065,000 | 5,501 |
| Average equity | $10,237,500 | 4,770 |
| Average total loans | $46,214,500 | 5,074 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9615% | 989 |
| Cost of funding earning assets | 0.7152% | 1,709 |
| Net interest margin | 4.2463% | 1,231 |
| Noninterest income to average assets | 0.2294% | 5,703 |
| Noninterest expense to average assets | 2.0382% | 5,949 |
| Loan and lease loss provision to assets | 0.1658% | 2,209 |
| Net operating income to assets | 1.7167% | 565 |
| Return on assets (ROA) | 1.8221% | 471 |
| Pretax return on assets | 1.9243% | 574 |
| Return on Equity (ROE) | 11.8591% | 1,469 |
| Retained earnings to average equity (ytd only) | 1.7341% | 5,003 |
| Net charge-offs to loans | 0.2698% | 2,350 |
| Credit loss provision to net charge-offs | 97.3913% | 2,551 |
| Earnings coverage of net charge-offs (x) | 11.6261% | 2,216 |
| Efficiency ratio | 48.4525% | 6,476 |
| Assets per employee ($millions) | 5.6079% | 1,554 |
| Cash dividends to net income (ytd only)* | 85.3777% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9131% | 5,881 |
| Loan loss allowance to noncurrent loans | 313.4328% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 5,705 |
| Noncurrent loans to loans | 0.2913% | 5,315 |
| Net loans and leases to total assets | 67.7272% | 2,403 |
| Net loans and leases to deposits | 82.9261% | 2,074 |
| Net loans and leases to core deposits | 88.8146% | 2,154 |
| Total domestic deposits to total assets | 81.6717% | 4,984 |
| Equity capital to assets | 15.0635% | 661 |
| Core capital (leverage) ratio | 8.6684% | 5,453 |
| Tier 1 risk-based capital ratio | 11.7907% | 5,752 |
| Total risk-based capital ratio | 12.7105% | 5,866 |
| Memoranda: | ||
| Average total assets | $67,558,600 | 5,551 |
| Average earning assets | $60,263,800 | 5,584 |
| Average equity | $10,380,200 | 4,768 |
| Average total loans | $42,621,000 | 5,245 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9377% | 1,053 |
| Cost of funding earning assets | 0.7205% | 1,803 |
| Net interest margin | 4.2171% | 1,282 |
| Noninterest income to average assets | 0.2267% | 5,809 |
| Noninterest expense to average assets | 1.9736% | 6,057 |
| Loan and lease loss provision to assets | 0.1617% | 2,236 |
| Net operating income to assets | 1.7562% | 575 |
| Return on assets (ROA) | 1.8967% | 449 |
| Pretax return on assets | 2.0012% | 575 |
| Return on Equity (ROE) | 12.2846% | 1,397 |
| Retained earnings to average equity (ytd only) | 3.4095% | 4,260 |
| Net charge-offs to loans | 0.1851% | 2,746 |
| Credit loss provision to net charge-offs | 141.3793% | 1,660 |
| Earnings coverage of net charge-offs (x) | 17.6210% | 1,723 |
| Efficiency ratio | 47.2071% | 6,542 |
| Assets per employee ($millions) | 6.0333% | 1,222 |
| Cash dividends to net income (ytd only)* | 72.2453% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 5,672 |
| Loan loss allowance to noncurrent loans | 244.2623% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 5,619 |
| Noncurrent loans to loans | 0.4133% | 5,159 |
| Net loans and leases to total assets | 66.0519% | 2,629 |
| Net loans and leases to deposits | 83.9416% | 1,883 |
| Net loans and leases to core deposits | 87.9994% | 2,193 |
| Total domestic deposits to total assets | 78.6879% | 5,804 |
| Equity capital to assets | 15.3814% | 644 |
| Core capital (leverage) ratio | 8.7476% | 5,480 |
| Tier 1 risk-based capital ratio | 12.4206% | 5,506 |
| Total risk-based capital ratio | 13.4384% | 5,594 |
| Memoranda: | ||
| Average total assets | $67,624,500 | 5,606 |
| Average earning assets | $60,323,750 | 5,641 |
| Average equity | $10,441,000 | 4,806 |
| Average total loans | $41,777,000 | 5,322 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8724% | 1,166 |
| Cost of funding earning assets | 0.7304% | 1,840 |
| Net interest margin | 4.1421% | 1,430 |
| Noninterest income to average assets | 0.2440% | 5,710 |
| Noninterest expense to average assets | 2.0075% | 6,032 |
| Loan and lease loss provision to assets | 0.1528% | 2,408 |
| Net operating income to assets | 1.6902% | 635 |
| Return on assets (ROA) | 1.6930% | 685 |
| Pretax return on assets | 1.7871% | 954 |
| Return on Equity (ROE) | 10.9520% | 1,826 |
| Retained earnings to average equity (ytd only) | 2.2056% | 4,868 |
| Net charge-offs to loans | 0.0733% | 3,664 |
| Credit loss provision to net charge-offs | 346.6667% | 755 |
| Earnings coverage of net charge-offs (x) | 43.9333% | 867 |
| Efficiency ratio | 48.5842% | 6,504 |
| Assets per employee ($millions) | 5.6005% | 1,499 |
| Cash dividends to net income (ytd only)* | 79.8611% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 5,470 |
| Loan loss allowance to noncurrent loans | 203.0837% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 5,094 |
| Noncurrent loans to loans | 0.5388% | 4,910 |
| Net loans and leases to total assets | 62.0049% | 3,284 |
| Net loans and leases to deposits | 77.1428% | 2,706 |
| Net loans and leases to core deposits | 78.7523% | 3,198 |
| Total domestic deposits to total assets | 80.3768% | 5,519 |
| Equity capital to assets | 15.3409% | 646 |
| Core capital (leverage) ratio | 8.3729% | 5,801 |
| Tier 1 risk-based capital ratio | 12.2644% | 5,647 |
| Total risk-based capital ratio | 13.3330% | 5,691 |
| Memoranda: | ||
| Average total assets | $68,044,000 | 5,636 |
| Average earning assets | $60,791,000 | 5,670 |
| Average equity | $10,518,670 | 4,828 |
| Average total loans | $40,941,670 | 5,382 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8153% | 1,254 |
| Cost of funding earning assets | 0.7131% | 2,109 |
| Net interest margin | 4.1022% | 1,455 |
| Noninterest income to average assets | 0.2395% | 5,747 |
| Noninterest expense to average assets | 2.0215% | 6,061 |
| Loan and lease loss provision to assets | 0.1870% | 1,970 |
| Net operating income to assets | 1.6125% | 690 |
| Return on assets (ROA) | 1.6125% | 750 |
| Pretax return on assets | 1.6943% | 1,093 |
| Return on Equity (ROE) | 10.3925% | 1,912 |
| Retained earnings to average equity (ytd only) | 1.9957% | 5,002 |
| Net charge-offs to loans | 0.0198% | 3,761 |
| Credit loss provision to net charge-offs | 1,600.0000% | 198 |
| Earnings coverage of net charge-offs (x) | 161.0000% | 251 |
| Efficiency ratio | 49.5509% | 6,531 |
| Assets per employee ($millions) | 5.6766% | 1,513 |
| Cash dividends to net income (ytd only)* | 80.7971% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1131% | 5,551 |
| Loan loss allowance to noncurrent loans | 348.4615% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.2554% | 5,804 |
| Noncurrent loans to loans | 0.3194% | 5,598 |
| Net loans and leases to total assets | 59.0790% | 3,590 |
| Net loans and leases to deposits | 71.7528% | 3,213 |
| Net loans and leases to core deposits | 73.1895% | 3,682 |
| Total domestic deposits to total assets | 82.3368% | 5,082 |
| Equity capital to assets | 15.5698% | 629 |
| Core capital (leverage) ratio | 8.2287% | 5,907 |
| Tier 1 risk-based capital ratio | 12.1673% | 5,810 |
| Total risk-based capital ratio | 13.2250% | 5,895 |
| Memoranda: | ||
| Average total assets | $68,463,000 | 5,676 |
| Average earning assets | $61,138,500 | 5,706 |
| Average equity | $10,623,000 | 4,854 |
| Average total loans | $40,346,500 | 5,449 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0729% | 1,373 |
| Cost of funding earning assets | 1.1249% | 827 |
| Net interest margin | 3.9481% | 2,614 |
| Noninterest income to average assets | 0.2470% | 5,693 |
| Noninterest expense to average assets | 1.9208% | 6,467 |
| Loan and lease loss provision to assets | 0.0015% | 5,895 |
| Net operating income to assets | 1.6929% | 626 |
| Return on assets (ROA) | 1.7438% | 627 |
| Pretax return on assets | 1.8405% | 852 |
| Return on Equity (ROE) | 11.1324% | 1,762 |
| Retained earnings to average equity (ytd only) | 2.8116% | 4,260 |
| Net charge-offs to loans | 0.0318% | 5,469 |
| Credit loss provision to net charge-offs | 8.3333% | 5,413 |
| Earnings coverage of net charge-offs (x) | 100.1667% | 379 |
| Efficiency ratio | 49.2980% | 6,634 |
| Assets per employee ($millions) | 6.2552% | 1,135 |
| Cash dividends to net income (ytd only)* | 74.7440% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 5,720 |
| Loan loss allowance to noncurrent loans | 232.9670% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.3285% | 5,687 |
| Noncurrent loans to loans | 0.4550% | 5,367 |
| Net loans and leases to total assets | 57.5116% | 4,056 |
| Net loans and leases to deposits | 72.6065% | 3,313 |
| Net loans and leases to core deposits | 74.1007% | 3,769 |
| Total domestic deposits to total assets | 79.2100% | 5,847 |
| Equity capital to assets | 15.4635% | 641 |
| Core capital (leverage) ratio | 8.0210% | 6,173 |
| Tier 1 risk-based capital ratio | 11.9010% | 5,842 |
| Total risk-based capital ratio | 12.8821% | 5,976 |
| Memoranda: | ||
| Average total assets | $67,210,600 | 5,702 |
| Average earning assets | $58,940,200 | 5,777 |
| Average equity | $10,527,800 | 4,863 |
| Average total loans | $37,736,200 | 5,599 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1032% | 1,420 |
| Cost of funding earning assets | 0.9736% | 1,717 |
| Net interest margin | 4.1296% | 1,979 |
| Noninterest income to average assets | 0.2494% | 5,780 |
| Noninterest expense to average assets | 1.8819% | 6,554 |
| Loan and lease loss provision to assets | 0.0020% | 5,778 |
| Net operating income to assets | 1.8711% | 492 |
| Return on assets (ROA) | 1.9317% | 492 |
| Pretax return on assets | 2.0355% | 656 |
| Return on Equity (ROE) | 12.2920% | 1,541 |
| Retained earnings to average equity (ytd only) | 4.3683% | 3,813 |
| Net charge-offs to loans | 0.0251% | 5,320 |
| Credit loss provision to net charge-offs | 14.2857% | 5,027 |
| Earnings coverage of net charge-offs (x) | 141.3323% | 316 |
| Efficiency ratio | 46.4286% | 6,802 |
| Assets per employee ($millions) | 5.6453% | 1,502 |
| Cash dividends to net income (ytd only)* | 64.4631% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 5,597 |
| Loan loss allowance to noncurrent loans | 231.8919% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 5,733 |
| Noncurrent loans to loans | 0.4868% | 5,477 |
| Net loans and leases to total assets | 55.4617% | 4,529 |
| Net loans and leases to deposits | 70.2674% | 3,860 |
| Net loans and leases to core deposits | 71.7365% | 4,287 |
| Total domestic deposits to total assets | 78.9295% | 5,887 |
| Equity capital to assets | 15.9365% | 616 |
| Core capital (leverage) ratio | 8.3107% | 5,991 |
| Tier 1 risk-based capital ratio | 12.6965% | 5,481 |
| Total risk-based capital ratio | 13.7486% | 5,605 |
| Memoranda: | ||
| Average total assets | $66,811,500 | 5,784 |
| Average earning assets | $58,341,000 | 5,866 |
| Average equity | $10,499,750 | 4,914 |
| Average total loans | $37,171,250 | 5,695 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1142% | 1,467 |
| Cost of funding earning assets | 0.9883% | 1,839 |
| Net interest margin | 4.1259% | 1,986 |
| Noninterest income to average assets | 0.2887% | 5,498 |
| Noninterest expense to average assets | 1.9398% | 6,532 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8403% | 525 |
| Return on assets (ROA) | 1.8917% | 534 |
| Pretax return on assets | 1.9940% | 703 |
| Return on Equity (ROE) | 12.0950% | 1,639 |
| Retained earnings to average equity (ytd only) | 4.7880% | 3,422 |
| Net charge-offs to loans | -0.0054% | 6,176 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5969% | 6,799 |
| Assets per employee ($millions) | 5.5775% | 1,555 |
| Cash dividends to net income (ytd only)* | 60.4134% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 5,435 |
| Loan loss allowance to noncurrent loans | 231.3830% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.4796% | 5,558 |
| Noncurrent loans to loans | 0.5107% | 5,509 |
| Net loans and leases to total assets | 54.3493% | 4,734 |
| Net loans and leases to deposits | 68.6197% | 4,106 |
| Net loans and leases to core deposits | 70.4388% | 4,478 |
| Total domestic deposits to total assets | 79.2036% | 5,920 |
| Equity capital to assets | 15.7881% | 625 |
| Core capital (leverage) ratio | 8.1032% | 6,161 |
| Tier 1 risk-based capital ratio | 12.7124% | 5,410 |
| Total risk-based capital ratio | 13.8042% | 5,511 |
| Memoranda: | ||
| Average total assets | $66,500,670 | 5,825 |
| Average earning assets | $57,878,000 | 5,912 |
| Average equity | $10,401,000 | 4,937 |
| Average total loans | $36,894,670 | 5,738 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1449% | 1,447 |
| Cost of funding earning assets | 0.9800% | 2,104 |
| Net interest margin | 4.1649% | 1,868 |
| Noninterest income to average assets | 0.2716% | 5,703 |
| Noninterest expense to average assets | 1.9310% | 6,586 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.8290% | 568 |
| Return on assets (ROA) | 1.8405% | 625 |
| Pretax return on assets | 1.9431% | 815 |
| Return on Equity (ROE) | 11.8240% | 1,725 |
| Retained earnings to average equity (ytd only) | 2.7525% | 4,881 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6563% | 6,830 |
| Assets per employee ($millions) | 5.6008% | 1,610 |
| Cash dividends to net income (ytd only)* | 76.7213% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 5,504 |
| Loan loss allowance to noncurrent loans | 192.8889% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.4821% | 5,655 |
| Noncurrent loans to loans | 0.6196% | 5,417 |
| Net loans and leases to total assets | 53.3804% | 4,826 |
| Net loans and leases to deposits | 65.8028% | 4,407 |
| Net loans and leases to core deposits | 67.4963% | 4,730 |
| Total domestic deposits to total assets | 81.1219% | 5,565 |
| Equity capital to assets | 15.4084% | 676 |
| Core capital (leverage) ratio | 8.0020% | 6,260 |
| Tier 1 risk-based capital ratio | 12.6506% | 5,484 |
| Total risk-based capital ratio | 13.7773% | 5,549 |
| Memoranda: | ||
| Average total assets | $66,286,000 | 5,874 |
| Average earning assets | $57,144,500 | 5,968 |
| Average equity | $10,318,000 | 4,969 |
| Average total loans | $36,936,500 | 5,781 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5137% | 1,136 |
| Cost of funding earning assets | 1.2253% | 1,872 |
| Net interest margin | 4.2885% | 1,736 |
| Noninterest income to average assets | 0.2835% | 5,502 |
| Noninterest expense to average assets | 2.0472% | 6,586 |
| Loan and lease loss provision to assets | 0.4149% | 2,517 |
| Net operating income to assets | 1.4521% | 924 |
| Return on assets (ROA) | 1.4674% | 970 |
| Pretax return on assets | 1.5490% | 1,341 |
| Return on Equity (ROE) | 9.2249% | 2,355 |
| Retained earnings to average equity (ytd only) | 2.1552% | 4,684 |
| Net charge-offs to loans | 0.3451% | 3,674 |
| Credit loss provision to net charge-offs | 202.3438% | 1,230 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 1,969 |
| Efficiency ratio | 48.7570% | 6,900 |
| Assets per employee ($millions) | 5.4468% | 1,696 |
| Cash dividends to net income (ytd only)* | 76.6376% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 5,599 |
| Loan loss allowance to noncurrent loans | 83.4615% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.0159% | 4,584 |
| Noncurrent loans to loans | 1.3844% | 4,070 |
| Net loans and leases to total assets | 56.8036% | 4,576 |
| Net loans and leases to deposits | 70.3995% | 4,031 |
| Net loans and leases to core deposits | 72.2827% | 4,477 |
| Total domestic deposits to total assets | 80.6876% | 5,546 |
| Equity capital to assets | 15.7278% | 625 |
| Core capital (leverage) ratio | 8.0888% | 6,157 |
| Tier 1 risk-based capital ratio | 12.0827% | 5,772 |
| Total risk-based capital ratio | 13.1786% | 5,854 |
| Memoranda: | ||
| Average total assets | $62,425,400 | 5,971 |
| Average earning assets | $54,028,600 | 6,045 |
| Average equity | $9,929,600 | 5,041 |
| Average total loans | $37,087,400 | 5,830 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5354% | 1,167 |
| Cost of funding earning assets | 1.2491% | 2,001 |
| Net interest margin | 4.2863% | 1,769 |
| Noninterest income to average assets | 0.2874% | 5,552 |
| Noninterest expense to average assets | 2.0489% | 6,597 |
| Loan and lease loss provision to assets | 0.5598% | 1,755 |
| Net operating income to assets | 1.3305% | 1,306 |
| Return on assets (ROA) | 1.3508% | 1,349 |
| Pretax return on assets | 1.4307% | 1,848 |
| Return on Equity (ROE) | 8.4669% | 2,841 |
| Retained earnings to average equity (ytd only) | 2.5875% | 4,816 |
| Net charge-offs to loans | 0.4616% | 2,887 |
| Credit loss provision to net charge-offs | 202.3438% | 1,447 |
| Earnings coverage of net charge-offs (x) | 7.1173% | 2,418 |
| Efficiency ratio | 48.5207% | 6,923 |
| Assets per employee ($millions) | 5.1543% | 1,985 |
| Cash dividends to net income (ytd only)* | 69.4399% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 5,663 |
| Loan loss allowance to noncurrent loans | 267.9012% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.4947% | 5,850 |
| Noncurrent loans to loans | 0.4308% | 5,982 |
| Net loans and leases to total assets | 60.0993% | 4,112 |
| Net loans and leases to deposits | 75.5053% | 3,409 |
| Net loans and leases to core deposits | 77.6698% | 3,957 |
| Total domestic deposits to total assets | 79.5961% | 5,847 |
| Equity capital to assets | 16.4573% | 553 |
| Core capital (leverage) ratio | 8.3530% | 5,916 |
| Tier 1 risk-based capital ratio | 12.2125% | 5,733 |
| Total risk-based capital ratio | 13.3290% | 5,830 |
| Memoranda: | ||
| Average total assets | $61,691,250 | 6,040 |
| Average earning assets | $53,689,500 | 6,105 |
| Average equity | $9,842,000 | 5,082 |
| Average total loans | $36,968,750 | 5,877 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4227% | 1,493 |
| Cost of funding earning assets | 1.2663% | 2,142 |
| Net interest margin | 4.1564% | 2,204 |
| Noninterest income to average assets | 0.2693% | 5,713 |
| Noninterest expense to average assets | 1.9825% | 6,828 |
| Loan and lease loss provision to assets | 0.8404% | 1,075 |
| Net operating income to assets | 1.0217% | 2,131 |
| Return on assets (ROA) | 1.0124% | 2,274 |
| Pretax return on assets | 1.0578% | 3,016 |
| Return on Equity (ROE) | 6.4134% | 3,743 |
| Retained earnings to average equity (ytd only) | 0.6783% | 5,580 |
| Net charge-offs to loans | 1.3440% | 1,137 |
| Credit loss provision to net charge-offs | 104.8583% | 2,943 |
| Earnings coverage of net charge-offs (x) | 2.3806% | 3,631 |
| Efficiency ratio | 48.3736% | 7,038 |
| Assets per employee ($millions) | 6.2022% | 1,066 |
| Cash dividends to net income (ytd only)* | 89.4231% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8586% | 6,749 |
| Loan loss allowance to noncurrent loans | 120.2290% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.4934% | 5,935 |
| Noncurrent loans to loans | 0.7141% | 5,481 |
| Net loans and leases to total assets | 58.6469% | 4,521 |
| Net loans and leases to deposits | 73.9580% | 3,814 |
| Net loans and leases to core deposits | 75.6972% | 4,355 |
| Total domestic deposits to total assets | 79.2977% | 6,009 |
| Equity capital to assets | 15.8847% | 622 |
| Core capital (leverage) ratio | 7.8847% | 6,427 |
| Tier 1 risk-based capital ratio | 11.8504% | 5,899 |
| Total risk-based capital ratio | 12.6665% | 6,224 |
| Memoranda: | ||
| Average total assets | $61,638,000 | 6,088 |
| Average earning assets | $53,700,670 | 6,158 |
| Average equity | $9,729,670 | 5,111 |
| Average total loans | $36,756,330 | 5,945 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4305% | 1,476 |
| Cost of funding earning assets | 1.3033% | 2,154 |
| Net interest margin | 4.1272% | 2,166 |
| Noninterest income to average assets | 0.2344% | 6,038 |
| Noninterest expense to average assets | 1.9269% | 6,943 |
| Loan and lease loss provision to assets | 1.2954% | 529 |
| Net operating income to assets | 0.5585% | 4,245 |
| Return on assets (ROA) | 0.5403% | 4,396 |
| Pretax return on assets | 0.5794% | 4,761 |
| Return on Equity (ROE) | 3.4338% | 5,174 |
| Retained earnings to average equity (ytd only) | -1.6962% | 6,101 |
| Net charge-offs to loans | 2.5007% | 462 |
| Credit loss provision to net charge-offs | 86.5217% | 3,004 |
| Earnings coverage of net charge-offs (x) | 1.2652% | 3,723 |
| Efficiency ratio | 47.8705% | 7,122 |
| Assets per employee ($millions) | 6.1757% | 1,088 |
| Cash dividends to net income (ytd only)* | 149.3976% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7526% | 7,001 |
| Loan loss allowance to noncurrent loans | 55.5328% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 0.8614% | 5,183 |
| Noncurrent loans to loans | 1.3552% | 4,452 |
| Net loans and leases to total assets | 57.8704% | 4,665 |
| Net loans and leases to deposits | 72.0602% | 4,067 |
| Net loans and leases to core deposits | 73.7358% | 4,556 |
| Total domestic deposits to total assets | 80.3083% | 5,867 |
| Equity capital to assets | 15.6921% | 628 |
| Core capital (leverage) ratio | 7.8340% | 6,432 |
| Tier 1 risk-based capital ratio | 12.2822% | 5,451 |
| Total risk-based capital ratio | 13.0247% | 5,888 |
| Memoranda: | ||
| Average total assets | $61,446,000 | 6,141 |
| Average earning assets | $53,402,000 | 6,221 |
| Average equity | $9,668,500 | 5,127 |
| Average total loans | $36,790,000 | 5,998 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8559% | 1,138 |
| Cost of funding earning assets | 1.4536% | 2,937 |
| Net interest margin | 4.4023% | 1,465 |
| Noninterest income to average assets | 0.2993% | 5,654 |
| Noninterest expense to average assets | 2.1243% | 6,785 |
| Loan and lease loss provision to assets | 0.4507% | 3,426 |
| Net operating income to assets | 1.4439% | 870 |
| Return on assets (ROA) | 1.5069% | 818 |
| Pretax return on assets | 1.5919% | 1,146 |
| Return on Equity (ROE) | 9.1457% | 2,235 |
| Retained earnings to average equity (ytd only) | 2.5497% | 4,088 |
| Net charge-offs to loans | 0.6552% | 3,042 |
| Credit loss provision to net charge-offs | 109.9585% | 4,009 |
| Earnings coverage of net charge-offs (x) | 4.8216% | 2,789 |
| Efficiency ratio | 49.2327% | 7,187 |
| Assets per employee ($millions) | 6.1135% | 1,138 |
| Cash dividends to net income (ytd only)* | 72.1219% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8065% | 6,954 |
| Loan loss allowance to noncurrent loans | 74.6305% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 0.7361% | 5,532 |
| Noncurrent loans to loans | 1.0806% | 4,931 |
| Net loans and leases to total assets | 60.9585% | 4,497 |
| Net loans and leases to deposits | 76.0163% | 3,839 |
| Net loans and leases to core deposits | 78.1426% | 4,445 |
| Total domestic deposits to total assets | 80.1914% | 5,778 |
| Equity capital to assets | 15.7782% | 625 |
| Core capital (leverage) ratio | 8.2423% | 5,763 |
| Tier 1 risk-based capital ratio | 11.8997% | 5,569 |
| Total risk-based capital ratio | 12.6992% | 5,945 |
| Memoranda: | ||
| Average total assets | $58,796,000 | 6,249 |
| Average earning assets | $50,769,200 | 6,337 |
| Average equity | $9,687,600 | 5,211 |
| Average total loans | $36,785,200 | 6,076 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1347% | 709 |
| Cost of funding earning assets | 1.4740% | 3,125 |
| Net interest margin | 4.6606% | 923 |
| Noninterest income to average assets | 0.3184% | 5,605 |
| Noninterest expense to average assets | 2.2950% | 6,344 |
| Loan and lease loss provision to assets | 0.4466% | 3,236 |
| Net operating income to assets | 1.5159% | 892 |
| Return on assets (ROA) | 1.5964% | 824 |
| Pretax return on assets | 1.6881% | 1,141 |
| Return on Equity (ROE) | 9.5825% | 2,293 |
| Retained earnings to average equity (ytd only) | 1.8148% | 5,056 |
| Net charge-offs to loans | 0.5940% | 2,960 |
| Credit loss provision to net charge-offs | 119.6319% | 3,452 |
| Earnings coverage of net charge-offs (x) | 5.4907% | 2,734 |
| Efficiency ratio | 50.3954% | 7,122 |
| Assets per employee ($millions) | 6.0078% | 1,237 |
| Cash dividends to net income (ytd only)* | 81.0612% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8214% | 6,956 |
| Loan loss allowance to noncurrent loans | 70.1357% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 0.8089% | 5,477 |
| Noncurrent loans to loans | 1.1712% | 4,907 |
| Net loans and leases to total assets | 62.3023% | 4,460 |
| Net loans and leases to deposits | 79.4220% | 3,556 |
| Net loans and leases to core deposits | 81.1684% | 4,362 |
| Total domestic deposits to total assets | 78.4447% | 6,157 |
| Equity capital to assets | 16.4020% | 603 |
| Core capital (leverage) ratio | 8.2242% | 6,004 |
| Tier 1 risk-based capital ratio | 11.6733% | 5,758 |
| Total risk-based capital ratio | 12.4997% | 6,137 |
| Memoranda: | ||
| Average total assets | $58,211,250 | 6,341 |
| Average earning assets | $50,292,250 | 6,428 |
| Average equity | $9,698,000 | 5,286 |
| Average total loans | $36,589,000 | 6,170 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2041% | 618 |
| Cost of funding earning assets | 1.4879% | 3,317 |
| Net interest margin | 4.7162% | 794 |
| Noninterest income to average assets | 0.3195% | 5,601 |
| Noninterest expense to average assets | 2.2157% | 6,612 |
| Loan and lease loss provision to assets | 0.2084% | 4,793 |
| Net operating income to assets | 1.8804% | 418 |
| Return on assets (ROA) | 1.9101% | 430 |
| Pretax return on assets | 2.0108% | 591 |
| Return on Equity (ROE) | 11.4037% | 1,624 |
| Retained earnings to average equity (ytd only) | 3.2345% | 4,046 |
| Net charge-offs to loans | 0.2154% | 4,313 |
| Credit loss provision to net charge-offs | 153.8462% | 2,553 |
| Earnings coverage of net charge-offs (x) | 16.1538% | 1,414 |
| Efficiency ratio | 47.8707% | 7,355 |
| Assets per employee ($millions) | 5.8199% | 1,362 |
| Cash dividends to net income (ytd only)* | 71.6364% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7977% | 7,041 |
| Loan loss allowance to noncurrent loans | 52.5483% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 1.1134% | 4,905 |
| Noncurrent loans to loans | 1.5181% | 4,433 |
| Net loans and leases to total assets | 63.8877% | 4,287 |
| Net loans and leases to deposits | 82.4526% | 3,192 |
| Net loans and leases to core deposits | 84.3474% | 4,093 |
| Total domestic deposits to total assets | 77.4841% | 6,396 |
| Equity capital to assets | 16.7993% | 562 |
| Core capital (leverage) ratio | 8.2537% | 5,849 |
| Tier 1 risk-based capital ratio | 11.8197% | 5,473 |
| Total risk-based capital ratio | 12.6253% | 5,864 |
| Memoranda: | ||
| Average total assets | $57,589,000 | 6,409 |
| Average earning assets | $49,870,330 | 6,480 |
| Average equity | $9,646,000 | 5,301 |
| Average total loans | $36,205,330 | 6,237 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3359% | 496 |
| Cost of funding earning assets | 1.5174% | 3,441 |
| Net interest margin | 4.8185% | 621 |
| Noninterest income to average assets | 0.2863% | 5,853 |
| Noninterest expense to average assets | 2.2554% | 6,524 |
| Loan and lease loss provision to assets | 0.2095% | 4,410 |
| Net operating income to assets | 1.8751% | 425 |
| Return on assets (ROA) | 1.9342% | 425 |
| Pretax return on assets | 2.0529% | 553 |
| Return on Equity (ROE) | 11.5652% | 1,621 |
| Retained earnings to average equity (ytd only) | 2.3381% | 4,737 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2759% | 7,420 |
| Assets per employee ($millions) | 5.7133% | 1,488 |
| Cash dividends to net income (ytd only)* | 79.7834% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8577% | 6,967 |
| Loan loss allowance to noncurrent loans | 58.8910% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 1.0537% | 5,035 |
| Noncurrent loans to loans | 1.4565% | 4,560 |
| Net loans and leases to total assets | 62.3125% | 4,693 |
| Net loans and leases to deposits | 80.0958% | 3,641 |
| Net loans and leases to core deposits | 81.5732% | 4,549 |
| Total domestic deposits to total assets | 77.7974% | 6,369 |
| Equity capital to assets | 16.8677% | 548 |
| Core capital (leverage) ratio | 8.1982% | 5,907 |
| Tier 1 risk-based capital ratio | 12.0044% | 5,191 |
| Total risk-based capital ratio | 12.8699% | 5,521 |
| Memoranda: | ||
| Average total assets | $57,284,000 | 6,497 |
| Average earning assets | $49,559,000 | 6,568 |
| Average equity | $9,580,500 | 5,350 |
| Average total loans | $35,567,500 | 6,337 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1401% | 1,405 |
| Cost of funding earning assets | 2.0160% | 2,886 |
| Net interest margin | 4.1241% | 2,348 |
| Noninterest income to average assets | 0.3711% | 5,436 |
| Noninterest expense to average assets | 2.1344% | 7,112 |
| Loan and lease loss provision to assets | 0.4824% | 3,953 |
| Net operating income to assets | 1.2192% | 1,198 |
| Return on assets (ROA) | 1.2192% | 1,250 |
| Pretax return on assets | 1.3111% | 1,664 |
| Return on Equity (ROE) | 7.4115% | 2,614 |
| Retained earnings to average equity (ytd only) | 0.9023% | 4,392 |
| Net charge-offs to loans | 0.7048% | 3,074 |
| Credit loss provision to net charge-offs | 112.8099% | 4,862 |
| Earnings coverage of net charge-offs (x) | 4.1942% | 3,023 |
| Efficiency ratio | 51.5520% | 7,425 |
| Assets per employee ($millions) | 5.7435% | 1,425 |
| Cash dividends to net income (ytd only)* | 87.8261% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7892% | 7,160 |
| Loan loss allowance to noncurrent loans | 50.5455% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 1.0952% | 4,902 |
| Noncurrent loans to loans | 1.5613% | 4,312 |
| Net loans and leases to total assets | 60.8479% | 5,214 |
| Net loans and leases to deposits | 78.5384% | 4,268 |
| Net loans and leases to core deposits | 92.8875% | 4,796 |
| Total domestic deposits to total assets | 77.4754% | 6,351 |
| Equity capital to assets | 16.5822% | 608 |
| Core capital (leverage) ratio | 7.8697% | 6,357 |
| Tier 1 risk-based capital ratio | 12.0266% | 4,925 |
| Total risk-based capital ratio | 12.8224% | 5,277 |
| Memoranda: | ||
| Average total assets | $56,595,800 | 6,472 |
| Average earning assets | $48,810,200 | 6,569 |
| Average equity | $9,309,800 | 5,506 |
| Average total loans | $34,337,000 | 6,379 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4328% | 870 |
| Cost of funding earning assets | 2.1031% | 2,879 |
| Net interest margin | 4.3297% | 1,644 |
| Noninterest income to average assets | 0.3949% | 5,334 |
| Noninterest expense to average assets | 2.2534% | 6,826 |
| Loan and lease loss provision to assets | 0.5935% | 3,011 |
| Net operating income to assets | 1.1823% | 1,509 |
| Return on assets (ROA) | 1.1823% | 1,563 |
| Pretax return on assets | 1.2816% | 2,005 |
| Return on Equity (ROE) | 7.2022% | 2,984 |
| Retained earnings to average equity (ytd only) | -0.4754% | 5,342 |
| Net charge-offs to loans | 0.0430% | 6,301 |
| Credit loss provision to net charge-offs | 2,281.8182% | 173 |
| Earnings coverage of net charge-offs (x) | 72.0729% | 467 |
| Efficiency ratio | 51.9473% | 7,419 |
| Assets per employee ($millions) | 5.7414% | 1,389 |
| Cash dividends to net income (ytd only)* | 106.6002% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 4,022 |
| Loan loss allowance to noncurrent loans | 139.5415% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.7455% | 5,639 |
| Noncurrent loans to loans | 0.9927% | 5,320 |
| Net loans and leases to total assets | 60.3877% | 5,526 |
| Net loans and leases to deposits | 78.6869% | 4,623 |
| Net loans and leases to core deposits | 95.4545% | 4,871 |
| Total domestic deposits to total assets | 76.7443% | 6,412 |
| Equity capital to assets | 16.4873% | 708 |
| Core capital (leverage) ratio | 7.7466% | 6,670 |
| Tier 1 risk-based capital ratio | 11.6330% | 5,302 |
| Total risk-based capital ratio | 12.8795% | 5,243 |
| Memoranda: | ||
| Average total assets | $56,386,000 | 6,529 |
| Average earning assets | $48,624,250 | 6,629 |
| Average equity | $9,256,250 | 5,572 |
| Average total loans | $34,114,750 | 6,442 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4350% | 927 |
| Cost of funding earning assets | 2.1699% | 2,936 |
| Net interest margin | 4.2652% | 1,762 |
| Noninterest income to average assets | 0.3997% | 5,287 |
| Noninterest expense to average assets | 2.2054% | 7,038 |
| Loan and lease loss provision to assets | 0.0821% | 6,362 |
| Net operating income to assets | 1.6951% | 574 |
| Return on assets (ROA) | 1.6951% | 624 |
| Pretax return on assets | 1.7879% | 866 |
| Return on Equity (ROE) | 10.3415% | 1,904 |
| Retained earnings to average equity (ytd only) | 2.5690% | 3,896 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4011% | 7,561 |
| Assets per employee ($millions) | 5.7568% | 1,378 |
| Cash dividends to net income (ytd only)* | 75.1579% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7772% | 7,226 |
| Loan loss allowance to noncurrent loans | 48.1283% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 1.2073% | 4,522 |
| Noncurrent loans to loans | 1.6148% | 4,072 |
| Net loans and leases to total assets | 59.8805% | 5,690 |
| Net loans and leases to deposits | 74.5179% | 5,375 |
| Net loans and leases to core deposits | 89.4192% | 5,581 |
| Total domestic deposits to total assets | 80.3571% | 5,332 |
| Equity capital to assets | 16.1201% | 802 |
| Core capital (leverage) ratio | 7.9571% | 6,408 |
| Tier 1 risk-based capital ratio | 12.1485% | 4,803 |
| Total risk-based capital ratio | 12.9265% | 5,150 |
| Memoranda: | ||
| Average total assets | $56,043,330 | 6,593 |
| Average earning assets | $48,298,000 | 6,698 |
| Average equity | $9,186,330 | 5,615 |
| Average total loans | $33,767,000 | 6,517 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4570% | 943 |
| Cost of funding earning assets | 2.2167% | 3,078 |
| Net interest margin | 4.2403% | 1,778 |
| Noninterest income to average assets | 0.3690% | 5,473 |
| Noninterest expense to average assets | 2.1128% | 7,086 |
| Loan and lease loss provision to assets | 0.0217% | 6,627 |
| Net operating income to assets | 1.7945% | 535 |
| Return on assets (ROA) | 1.7945% | 590 |
| Pretax return on assets | 1.8885% | 821 |
| Return on Equity (ROE) | 10.8540% | 2,014 |
| Retained earnings to average equity (ytd only) | 2.9323% | 4,237 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8201% | 7,603 |
| Assets per employee ($millions) | 5.5551% | 1,515 |
| Cash dividends to net income (ytd only)* | 72.9839% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7457% | 7,322 |
| Loan loss allowance to noncurrent loans | 186.5672% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.3834% | 6,354 |
| Noncurrent loans to loans | 0.3997% | 6,417 |
| Net loans and leases to total assets | 59.9035% | 5,669 |
| Net loans and leases to deposits | 75.5197% | 5,291 |
| Net loans and leases to core deposits | 90.1571% | 5,540 |
| Total domestic deposits to total assets | 79.3217% | 5,602 |
| Equity capital to assets | 16.6856% | 769 |
| Core capital (leverage) ratio | 8.3126% | 5,884 |
| Tier 1 risk-based capital ratio | 12.6525% | 4,434 |
| Total risk-based capital ratio | 13.4167% | 4,709 |
| Memoranda: | ||
| Average total assets | $55,281,000 | 6,661 |
| Average earning assets | $47,638,500 | 6,760 |
| Average equity | $9,139,500 | 5,642 |
| Average total loans | $33,279,500 | 6,575 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6546% | 2,226 |
| Cost of funding earning assets | 2.7545% | 2,904 |
| Net interest margin | 3.9001% | 3,566 |
| Noninterest income to average assets | 0.3911% | 5,548 |
| Noninterest expense to average assets | 1.9091% | 7,599 |
| Loan and lease loss provision to assets | 0.1138% | 5,916 |
| Net operating income to assets | 1.4932% | 1,036 |
| Return on assets (ROA) | 1.4932% | 995 |
| Pretax return on assets | 1.7207% | 1,099 |
| Return on Equity (ROE) | 9.1176% | 2,604 |
| Retained earnings to average equity (ytd only) | -2.2468% | 5,937 |
| Net charge-offs to loans | 0.1664% | 4,539 |
| Credit loss provision to net charge-offs | 118.5185% | 4,545 |
| Earnings coverage of net charge-offs (x) | 19.1111% | 1,655 |
| Efficiency ratio | 48.0532% | 7,800 |
| Assets per employee ($millions) | 5.5011% | 1,458 |
| Cash dividends to net income (ytd only)* | 124.6429% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7478% | 7,296 |
| Loan loss allowance to noncurrent loans | 239.8058% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 6,576 |
| Noncurrent loans to loans | 0.3118% | 6,442 |
| Net loans and leases to total assets | 59.5972% | 5,969 |
| Net loans and leases to deposits | 77.5756% | 5,392 |
| Net loans and leases to core deposits | 91.3257% | 5,692 |
| Total domestic deposits to total assets | 76.8246% | 6,033 |
| Equity capital to assets | 16.3785% | 868 |
| Core capital (leverage) ratio | 8.0128% | 6,468 |
| Tier 1 risk-based capital ratio | 12.3788% | 4,518 |
| Total risk-based capital ratio | 13.1343% | 4,815 |
| Memoranda: | ||
| Average total assets | $56,256,400 | 6,517 |
| Average earning assets | $48,357,200 | 6,658 |
| Average equity | $9,213,000 | 5,667 |
| Average total loans | $32,453,800 | 6,583 |