Home > Bryant State Bank > Performance and Condition Ratios
Bryant 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 | 7.7248% | 133 |
| Cost of funding earning assets | 0.8050% | 3,714 |
| Net interest margin | 6.9198% | 60 |
| Noninterest income to average assets | 2.4100% | 225 |
| Noninterest expense to average assets | 5.2327% | 214 |
| Loan and lease loss provision to assets | 2.9800% | 14 |
| Net operating income to assets | 0.8055% | 2,857 |
| Return on assets (ROA) | 0.8055% | 2,834 |
| Pretax return on assets | 0.8161% | 3,170 |
| Return on Equity (ROE) | 8.6000% | 2,864 |
| Retained earnings to average equity (ytd only) | 8.6008% | 1,364 |
| Net charge-offs to loans | 4.9296% | 16 |
| Credit loss provision to net charge-offs | 101.9537% | 1,818 |
| Earnings coverage of net charge-offs (x) | 1.2988% | 2,763 |
| Efficiency ratio | 57.9625% | 3,299 |
| Assets per employee ($millions) | 6.2644% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1568% | 27 |
| Loan loss allowance to noncurrent loans | 1,246.1039% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 1,726 |
| Noncurrent loans to loans | 0.4941% | 1,552 |
| Net loans and leases to total assets | 58.3700% | 3,004 |
| Net loans and leases to deposits | 65.7880% | 3,183 |
| Net loans and leases to core deposits | 78.4666% | 2,803 |
| Total domestic deposits to total assets | 88.7200% | 1,149 |
| Equity capital to assets | 9.5001% | 2,344 |
| Core capital (leverage) ratio | 10.8917% | 2,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1506% | 1,057 |
| Memoranda: | ||
| Average total assets | $47,298,600 | 4,339 |
| Average earning assets | $45,218,000 | 4,297 |
| Average equity | $4,429,800 | 4,312 |
| Average total loans | $28,034,600 | 4,168 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5889% | 133 |
| Cost of funding earning assets | 0.7260% | 3,705 |
| Net interest margin | 6.8629% | 55 |
| Noninterest income to average assets | 2.4800% | 237 |
| Noninterest expense to average assets | 5.1392% | 220 |
| Loan and lease loss provision to assets | 2.9100% | 18 |
| Net operating income to assets | 0.9529% | 2,507 |
| Return on assets (ROA) | 0.9529% | 2,493 |
| Pretax return on assets | 1.0044% | 2,849 |
| Return on Equity (ROE) | 10.2100% | 2,579 |
| Retained earnings to average equity (ytd only) | 10.2137% | 1,341 |
| Net charge-offs to loans | 4.8584% | 17 |
| Credit loss provision to net charge-offs | 102.4169% | 1,599 |
| Earnings coverage of net charge-offs (x) | 1.3776% | 2,538 |
| Efficiency ratio | 56.7636% | 3,331 |
| Assets per employee ($millions) | 5.9148% | 2,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5695% | 25 |
| Loan loss allowance to noncurrent loans | 1,268.8742% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.3191% | 1,745 |
| Noncurrent loans to loans | 0.5177% | 1,529 |
| Net loans and leases to total assets | 57.5900% | 3,063 |
| Net loans and leases to deposits | 64.8600% | 3,208 |
| Net loans and leases to core deposits | 78.1871% | 2,731 |
| Total domestic deposits to total assets | 88.7900% | 1,320 |
| Equity capital to assets | 9.2607% | 2,248 |
| Core capital (leverage) ratio | 11.3263% | 1,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9878% | 947 |
| Memoranda: | ||
| Average total assets | $46,594,500 | 4,359 |
| Average earning assets | $44,625,250 | 4,320 |
| Average equity | $4,347,000 | 4,324 |
| Average total loans | $27,251,000 | 4,195 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3609% | 140 |
| Cost of funding earning assets | 0.6277% | 3,686 |
| Net interest margin | 6.7332% | 65 |
| Noninterest income to average assets | 2.5100% | 202 |
| Noninterest expense to average assets | 5.2553% | 205 |
| Loan and lease loss provision to assets | 2.5600% | 18 |
| Net operating income to assets | 1.0744% | 2,194 |
| Return on assets (ROA) | 1.0744% | 2,191 |
| Pretax return on assets | 1.1261% | 2,574 |
| Return on Equity (ROE) | 11.4900% | 2,298 |
| Retained earnings to average equity (ytd only) | 11.4870% | 1,077 |
| Net charge-offs to loans | 5.1704% | 16 |
| Credit loss provision to net charge-offs | 86.3372% | 1,523 |
| Earnings coverage of net charge-offs (x) | 1.2427% | 2,375 |
| Efficiency ratio | 58.7554% | 3,106 |
| Assets per employee ($millions) | 5.6933% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5339% | 28 |
| Loan loss allowance to noncurrent loans | 1,404.6875% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 1,797 |
| Noncurrent loans to loans | 0.4652% | 1,551 |
| Net loans and leases to total assets | 56.4700% | 3,088 |
| Net loans and leases to deposits | 63.7486% | 3,207 |
| Net loans and leases to core deposits | 73.0993% | 2,954 |
| Total domestic deposits to total assets | 88.5800% | 1,385 |
| Equity capital to assets | 9.6188% | 2,082 |
| Core capital (leverage) ratio | 11.4507% | 1,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6394% | 862 |
| Memoranda: | ||
| Average total assets | $46,353,333 | 4,379 |
| Average earning assets | $44,288,000 | 4,342 |
| Average equity | $4,335,333 | 4,358 |
| Average total loans | $26,613,000 | 4,221 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1795% | 106 |
| Cost of funding earning assets | 0.4911% | 3,721 |
| Net interest margin | 6.6884% | 61 |
| Noninterest income to average assets | 2.5100% | 189 |
| Noninterest expense to average assets | 5.2527% | 215 |
| Loan and lease loss provision to assets | 2.5300% | 19 |
| Net operating income to assets | 1.0779% | 2,295 |
| Return on assets (ROA) | 1.0779% | 2,265 |
| Pretax return on assets | 1.1292% | 2,632 |
| Return on Equity (ROE) | 11.6900% | 2,299 |
| Retained earnings to average equity (ytd only) | 11.6870% | 1,327 |
| Net charge-offs to loans | 5.3822% | 16 |
| Credit loss provision to net charge-offs | 84.0909% | 1,193 |
| Earnings coverage of net charge-offs (x) | 1.2159% | 1,980 |
| Efficiency ratio | 58.9251% | 3,082 |
| Assets per employee ($millions) | 5.6133% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4640% | 14 |
| Loan loss allowance to noncurrent loans | 1,232.2148% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 1,531 |
| Noncurrent loans to loans | 0.6057% | 1,231 |
| Net loans and leases to total assets | 50.6900% | 3,442 |
| Net loans and leases to deposits | 57.1665% | 3,498 |
| Net loans and leases to core deposits | 65.6647% | 3,253 |
| Total domestic deposits to total assets | 88.6700% | 1,673 |
| Equity capital to assets | 9.6936% | 1,999 |
| Core capital (leverage) ratio | 10.8013% | 1,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1590% | 825 |
| Memoranda: | ||
| Average total assets | $46,757,000 | 4,441 |
| Average earning assets | $44,794,000 | 4,400 |
| Average equity | $4,312,500 | 4,419 |
| Average total loans | $26,160,500 | 4,286 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3130% | 79 |
| Cost of funding earning assets | 0.1766% | 3,938 |
| Net interest margin | 6.1365% | 52 |
| Noninterest income to average assets | 2.8800% | 183 |
| Noninterest expense to average assets | 5.3507% | 194 |
| Loan and lease loss provision to assets | 2.2500% | 17 |
| Net operating income to assets | 1.0805% | 2,260 |
| Return on assets (ROA) | 1.0805% | 2,202 |
| Pretax return on assets | 1.1389% | 2,644 |
| Return on Equity (ROE) | 11.3400% | 2,369 |
| Retained earnings to average equity (ytd only) | 5.6689% | 2,762 |
| Net charge-offs to loans | 3.3268% | 15 |
| Credit loss provision to net charge-offs | 122.7594% | 1,445 |
| Earnings coverage of net charge-offs (x) | 1.8491% | 2,525 |
| Efficiency ratio | 61.2265% | 2,878 |
| Assets per employee ($millions) | 6.0760% | 2,698 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7822% | 25 |
| Loan loss allowance to noncurrent loans | 1,161.5942% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 1,724 |
| Noncurrent loans to loans | 0.4978% | 1,454 |
| Net loans and leases to total assets | 53.7400% | 3,222 |
| Net loans and leases to deposits | 59.9028% | 3,333 |
| Net loans and leases to core deposits | 62.2958% | 3,374 |
| Total domestic deposits to total assets | 89.7100% | 1,479 |
| Equity capital to assets | 8.7887% | 2,499 |
| Core capital (leverage) ratio | 11.0188% | 1,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8174% | 1,007 |
| Memoranda: | ||
| Average total assets | $46,274,000 | 4,472 |
| Average earning assets | $44,178,400 | 4,435 |
| Average equity | $4,410,000 | 4,492 |
| Average total loans | $25,490,000 | 4,317 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0576% | 76 |
| Cost of funding earning assets | 0.1222% | 4,105 |
| Net interest margin | 5.9355% | 51 |
| Noninterest income to average assets | 2.8900% | 189 |
| Noninterest expense to average assets | 5.2935% | 202 |
| Loan and lease loss provision to assets | 1.9500% | 18 |
| Net operating income to assets | 1.1906% | 1,737 |
| Return on assets (ROA) | 1.1906% | 1,711 |
| Pretax return on assets | 1.3073% | 2,026 |
| Return on Equity (ROE) | 12.2400% | 1,957 |
| Retained earnings to average equity (ytd only) | 4.7398% | 3,182 |
| Net charge-offs to loans | 2.9359% | 18 |
| Credit loss provision to net charge-offs | 122.0401% | 1,212 |
| Earnings coverage of net charge-offs (x) | 2.0364% | 2,256 |
| Efficiency ratio | 61.8690% | 2,843 |
| Assets per employee ($millions) | 5.9979% | 2,761 |
| Cash dividends to net income (ytd only)* | 61.2745% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9019% | 26 |
| Loan loss allowance to noncurrent loans | 1,430.8411% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 2,117 |
| Noncurrent loans to loans | 0.4125% | 1,783 |
| Net loans and leases to total assets | 50.8700% | 3,393 |
| Net loans and leases to deposits | 56.6003% | 3,431 |
| Net loans and leases to core deposits | 58.8760% | 3,458 |
| Total domestic deposits to total assets | 89.8800% | 1,716 |
| Equity capital to assets | 8.3884% | 2,611 |
| Core capital (leverage) ratio | 11.0800% | 1,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4686% | 925 |
| Memoranda: | ||
| Average total assets | $45,690,500 | 4,515 |
| Average earning assets | $43,646,250 | 4,477 |
| Average equity | $4,444,500 | 4,527 |
| Average total loans | $24,931,750 | 4,359 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8605% | 77 |
| Cost of funding earning assets | 0.0887% | 4,301 |
| Net interest margin | 5.7719% | 55 |
| Noninterest income to average assets | 2.5464% | 182 |
| Noninterest expense to average assets | 5.1729% | 164 |
| Loan and lease loss provision to assets | 1.6560% | 21 |
| Net operating income to assets | 1.1349% | 1,648 |
| Return on assets (ROA) | 1.1307% | 1,639 |
| Pretax return on assets | 1.2198% | 2,006 |
| Return on Equity (ROE) | 11.0812% | 1,955 |
| Retained earnings to average equity (ytd only) | 4.5372% | 2,866 |
| Net charge-offs to loans | 2.7729% | 20 |
| Credit loss provision to net charge-offs | 109.0909% | 1,229 |
| Earnings coverage of net charge-offs (x) | 1.8974% | 2,047 |
| Efficiency ratio | 64.2344% | 2,745 |
| Assets per employee ($millions) | 5.5750% | 3,150 |
| Cash dividends to net income (ytd only)* | 59.0551% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7839% | 30 |
| Loan loss allowance to noncurrent loans | 1,871.4286% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 2,497 |
| Noncurrent loans to loans | 0.3091% | 2,227 |
| Net loans and leases to total assets | 52.6300% | 3,099 |
| Net loans and leases to deposits | 61.3561% | 2,941 |
| Net loans and leases to core deposits | 64.1514% | 2,953 |
| Total domestic deposits to total assets | 85.7780% | 3,307 |
| Equity capital to assets | 9.7108% | 1,874 |
| Core capital (leverage) ratio | 11.1260% | 1,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9260% | 865 |
| Memoranda: | ||
| Average total assets | $44,926,333 | 4,569 |
| Average earning assets | $42,863,000 | 4,543 |
| Average equity | $4,584,333 | 4,562 |
| Average total loans | $24,595,333 | 4,417 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4872% | 94 |
| Cost of funding earning assets | 0.0738% | 4,416 |
| Net interest margin | 5.4134% | 77 |
| Noninterest income to average assets | 2.5372% | 182 |
| Noninterest expense to average assets | 5.1631% | 166 |
| Loan and lease loss provision to assets | 1.4283% | 32 |
| Net operating income to assets | 1.0823% | 1,571 |
| Return on assets (ROA) | 1.0823% | 1,569 |
| Pretax return on assets | 1.1533% | 1,968 |
| Return on Equity (ROE) | 10.3587% | 1,838 |
| Retained earnings to average equity (ytd only) | 10.3587% | 940 |
| Net charge-offs to loans | 2.7173% | 23 |
| Credit loss provision to net charge-offs | 96.9880% | 1,054 |
| Earnings coverage of net charge-offs (x) | 1.7530% | 1,727 |
| Efficiency ratio | 66.6667% | 2,680 |
| Assets per employee ($millions) | 5.6513% | 3,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0833% | 29 |
| Loan loss allowance to noncurrent loans | 1,924.6575% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 2,676 |
| Noncurrent loans to loans | 0.3161% | 2,337 |
| Net loans and leases to total assets | 47.9783% | 3,386 |
| Net loans and leases to deposits | 54.3022% | 3,395 |
| Net loans and leases to core deposits | 56.6641% | 3,400 |
| Total domestic deposits to total assets | 88.3543% | 2,357 |
| Equity capital to assets | 10.0730% | 1,841 |
| Core capital (leverage) ratio | 10.8261% | 1,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0020% | 644 |
| Memoranda: | ||
| Average total assets | $45,089,500 | 4,590 |
| Average earning assets | $43,373,500 | 4,563 |
| Average equity | $4,711,000 | 4,591 |
| Average total loans | $24,436,000 | 4,437 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3732% | 59 |
| Cost of funding earning assets | 0.0905% | 4,453 |
| Net interest margin | 6.2827% | 46 |
| Noninterest income to average assets | 2.3189% | 252 |
| Noninterest expense to average assets | 4.9429% | 181 |
| Loan and lease loss provision to assets | 1.2785% | 22 |
| Net operating income to assets | 1.9397% | 377 |
| Return on assets (ROA) | 1.9397% | 401 |
| Pretax return on assets | 2.0368% | 567 |
| Return on Equity (ROE) | 17.0203% | 593 |
| Retained earnings to average equity (ytd only) | 6.8771% | 1,972 |
| Net charge-offs to loans | 1.5151% | 35 |
| Credit loss provision to net charge-offs | 138.2500% | 1,544 |
| Earnings coverage of net charge-offs (x) | 3.5850% | 2,536 |
| Efficiency ratio | 59.8544% | 3,174 |
| Assets per employee ($millions) | 5.6211% | 3,145 |
| Cash dividends to net income (ytd only)* | 59.5948% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4702% | 32 |
| Loan loss allowance to noncurrent loans | 2,238.0952% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.1401% | 2,952 |
| Noncurrent loans to loans | 0.2444% | 2,749 |
| Net loans and leases to total assets | 54.1840% | 2,827 |
| Net loans and leases to deposits | 61.8631% | 2,893 |
| Net loans and leases to core deposits | 64.6296% | 2,933 |
| Total domestic deposits to total assets | 87.5870% | 2,243 |
| Equity capital to assets | 10.8252% | 1,920 |
| Core capital (leverage) ratio | 11.0954% | 1,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1870% | 866 |
| Memoranda: | ||
| Average total assets | $43,254,000 | 4,633 |
| Average earning assets | $40,890,200 | 4,610 |
| Average equity | $4,929,400 | 4,636 |
| Average total loans | $26,400,600 | 4,449 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4532% | 60 |
| Cost of funding earning assets | 0.0925% | 4,562 |
| Net interest margin | 6.3607% | 44 |
| Noninterest income to average assets | 2.2945% | 275 |
| Noninterest expense to average assets | 4.7821% | 194 |
| Loan and lease loss provision to assets | 0.9901% | 38 |
| Net operating income to assets | 2.4471% | 230 |
| Return on assets (ROA) | 2.4471% | 238 |
| Pretax return on assets | 2.5187% | 331 |
| Return on Equity (ROE) | 21.1937% | 344 |
| Retained earnings to average equity (ytd only) | 21.1937% | 98 |
| Net charge-offs to loans | 1.3957% | 46 |
| Credit loss provision to net charge-offs | 114.3885% | 1,488 |
| Earnings coverage of net charge-offs (x) | 4.0540% | 2,283 |
| Efficiency ratio | 57.6793% | 3,321 |
| Assets per employee ($millions) | 5.1611% | 3,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9123% | 39 |
| Loan loss allowance to noncurrent loans | 2,882.2222% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 3,378 |
| Noncurrent loans to loans | 0.1704% | 3,264 |
| Net loans and leases to total assets | 60.8055% | 2,161 |
| Net loans and leases to deposits | 71.4884% | 2,105 |
| Net loans and leases to core deposits | 75.0733% | 2,136 |
| Total domestic deposits to total assets | 85.0566% | 3,093 |
| Equity capital to assets | 13.0398% | 971 |
| Core capital (leverage) ratio | 12.7203% | 921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1853% | 676 |
| Memoranda: | ||
| Average total assets | $42,825,250 | 4,703 |
| Average earning assets | $40,372,000 | 4,681 |
| Average equity | $4,944,750 | 4,705 |
| Average total loans | $26,556,750 | 4,503 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8933% | 108 |
| Cost of funding earning assets | 0.0934% | 4,615 |
| Net interest margin | 5.7999% | 71 |
| Noninterest income to average assets | 2.2152% | 287 |
| Noninterest expense to average assets | 4.6842% | 197 |
| Loan and lease loss provision to assets | 1.1168% | 33 |
| Net operating income to assets | 1.7906% | 732 |
| Return on assets (ROA) | 1.7906% | 768 |
| Pretax return on assets | 1.8598% | 1,097 |
| Return on Equity (ROE) | 16.1723% | 921 |
| Retained earnings to average equity (ytd only) | 16.1723% | 325 |
| Net charge-offs to loans | 1.4582% | 48 |
| Credit loss provision to net charge-offs | 124.7423% | 1,240 |
| Earnings coverage of net charge-offs (x) | 3.3247% | 2,079 |
| Efficiency ratio | 61.1446% | 2,848 |
| Assets per employee ($millions) | 5.4850% | 3,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7350% | 43 |
| Loan loss allowance to noncurrent loans | 3,954.5455% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 3,705 |
| Noncurrent loans to loans | 0.1197% | 3,592 |
| Net loans and leases to total assets | 59.8359% | 2,448 |
| Net loans and leases to deposits | 76.8956% | 1,738 |
| Net loans and leases to core deposits | 80.8673% | 1,815 |
| Total domestic deposits to total assets | 77.8145% | 4,449 |
| Equity capital to assets | 11.3902% | 1,711 |
| Core capital (leverage) ratio | 11.5901% | 1,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8778% | 983 |
| Memoranda: | ||
| Average total assets | $43,337,333 | 4,725 |
| Average earning assets | $40,690,333 | 4,703 |
| Average equity | $4,798,333 | 4,749 |
| Average total loans | $26,608,000 | 4,536 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6608% | 158 |
| Cost of funding earning assets | 0.0968% | 4,668 |
| Net interest margin | 5.5640% | 97 |
| Noninterest income to average assets | 2.1734% | 327 |
| Noninterest expense to average assets | 4.7183% | 186 |
| Loan and lease loss provision to assets | 1.3189% | 26 |
| Net operating income to assets | 1.4025% | 1,565 |
| Return on assets (ROA) | 1.4025% | 1,640 |
| Pretax return on assets | 1.4768% | 2,054 |
| Return on Equity (ROE) | 12.8552% | 1,713 |
| Retained earnings to average equity (ytd only) | 12.8552% | 952 |
| Net charge-offs to loans | 1.5001% | 48 |
| Credit loss provision to net charge-offs | 144.8980% | 994 |
| Earnings coverage of net charge-offs (x) | 3.0714% | 1,784 |
| Efficiency ratio | 62.7936% | 2,635 |
| Assets per employee ($millions) | 5.5838% | 3,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9438% | 42 |
| Loan loss allowance to noncurrent loans | 2,655.1020% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 3,622 |
| Noncurrent loans to loans | 0.1862% | 3,442 |
| Net loans and leases to total assets | 55.9996% | 3,038 |
| Net loans and leases to deposits | 63.7877% | 3,142 |
| Net loans and leases to core deposits | 66.6374% | 3,189 |
| Total domestic deposits to total assets | 87.7905% | 1,951 |
| Equity capital to assets | 10.6514% | 2,130 |
| Core capital (leverage) ratio | 10.8581% | 1,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9610% | 798 |
| Memoranda: | ||
| Average total assets | $43,066,000 | 4,749 |
| Average earning assets | $41,337,000 | 4,719 |
| Average equity | $4,698,500 | 4,774 |
| Average total loans | $26,131,500 | 4,570 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1660% | 76 |
| Cost of funding earning assets | 0.1902% | 4,613 |
| Net interest margin | 5.9758% | 45 |
| Noninterest income to average assets | 2.1812% | 299 |
| Noninterest expense to average assets | 4.8218% | 207 |
| Loan and lease loss provision to assets | 1.9118% | 31 |
| Net operating income to assets | 1.1163% | 1,856 |
| Return on assets (ROA) | 1.1163% | 1,975 |
| Pretax return on assets | 1.1727% | 2,432 |
| Return on Equity (ROE) | 9.8819% | 2,047 |
| Retained earnings to average equity (ytd only) | 9.8819% | 609 |
| Net charge-offs to loans | 1.8155% | 50 |
| Credit loss provision to net charge-offs | 163.3772% | 2,354 |
| Earnings coverage of net charge-offs (x) | 2.6360% | 3,148 |
| Efficiency ratio | 60.9867% | 3,317 |
| Assets per employee ($millions) | 5.1828% | 3,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8445% | 43 |
| Loan loss allowance to noncurrent loans | 3,307.8947% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 3,860 |
| Noncurrent loans to loans | 0.1465% | 3,697 |
| Net loans and leases to total assets | 59.5485% | 2,916 |
| Net loans and leases to deposits | 68.3006% | 3,048 |
| Net loans and leases to core deposits | 71.6732% | 3,109 |
| Total domestic deposits to total assets | 87.1859% | 1,847 |
| Equity capital to assets | 11.1886% | 2,110 |
| Core capital (leverage) ratio | 11.3362% | 1,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8321% | 1,088 |
| Memoranda: | ||
| Average total assets | $38,969,200 | 4,785 |
| Average earning assets | $37,333,800 | 4,748 |
| Average equity | $4,402,000 | 4,811 |
| Average total loans | $25,117,000 | 4,614 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2672% | 78 |
| Cost of funding earning assets | 0.2098% | 4,637 |
| Net interest margin | 6.0575% | 42 |
| Noninterest income to average assets | 2.1418% | 301 |
| Noninterest expense to average assets | 4.7044% | 215 |
| Loan and lease loss provision to assets | 1.9820% | 37 |
| Net operating income to assets | 1.2239% | 1,567 |
| Return on assets (ROA) | 1.2239% | 1,684 |
| Pretax return on assets | 1.2795% | 2,129 |
| Return on Equity (ROE) | 10.8070% | 1,747 |
| Retained earnings to average equity (ytd only) | 10.8070% | 613 |
| Net charge-offs to loans | 2.0233% | 48 |
| Credit loss provision to net charge-offs | 150.7937% | 2,320 |
| Earnings coverage of net charge-offs (x) | 2.4815% | 2,986 |
| Efficiency ratio | 59.0572% | 3,510 |
| Assets per employee ($millions) | 4.8440% | 3,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4831% | 49 |
| Loan loss allowance to noncurrent loans | 4,640.0000% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 4,119 |
| Noncurrent loans to loans | 0.0966% | 3,981 |
| Net loans and leases to total assets | 63.7774% | 2,794 |
| Net loans and leases to deposits | 73.8489% | 2,971 |
| Net loans and leases to core deposits | 77.7764% | 3,028 |
| Total domestic deposits to total assets | 86.3620% | 1,911 |
| Equity capital to assets | 11.7542% | 1,842 |
| Core capital (leverage) ratio | 11.3576% | 1,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8325% | 803 |
| Memoranda: | ||
| Average total assets | $38,346,000 | 4,817 |
| Average earning assets | $36,868,000 | 4,780 |
| Average equity | $4,342,750 | 4,840 |
| Average total loans | $24,909,500 | 4,645 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2609% | 106 |
| Cost of funding earning assets | 0.2285% | 4,689 |
| Net interest margin | 6.0325% | 65 |
| Noninterest income to average assets | 2.0989% | 274 |
| Noninterest expense to average assets | 4.7212% | 222 |
| Loan and lease loss provision to assets | 1.9628% | 56 |
| Net operating income to assets | 1.1620% | 1,757 |
| Return on assets (ROA) | 1.1620% | 1,884 |
| Pretax return on assets | 1.2196% | 2,296 |
| Return on Equity (ROE) | 10.3933% | 1,852 |
| Retained earnings to average equity (ytd only) | 10.3933% | 711 |
| Net charge-offs to loans | 2.3833% | 51 |
| Credit loss provision to net charge-offs | 127.9863% | 2,243 |
| Earnings coverage of net charge-offs (x) | 2.0751% | 2,805 |
| Efficiency ratio | 59.7351% | 3,444 |
| Assets per employee ($millions) | 4.9525% | 3,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1573% | 58 |
| Loan loss allowance to noncurrent loans | 2,386.3636% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 3,974 |
| Noncurrent loans to loans | 0.1742% | 3,752 |
| Net loans and leases to total assets | 61.0979% | 3,206 |
| Net loans and leases to deposits | 70.1388% | 3,404 |
| Net loans and leases to core deposits | 73.7501% | 3,478 |
| Total domestic deposits to total assets | 87.1100% | 1,572 |
| Equity capital to assets | 11.1610% | 2,201 |
| Core capital (leverage) ratio | 11.1438% | 1,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7580% | 801 |
| Memoranda: | ||
| Average total assets | $38,210,667 | 4,843 |
| Average earning assets | $36,767,667 | 4,805 |
| Average equity | $4,272,000 | 4,877 |
| Average total loans | $24,587,667 | 4,676 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5252% | 84 |
| Cost of funding earning assets | 0.2774% | 4,714 |
| Net interest margin | 6.2477% | 51 |
| Noninterest income to average assets | 2.1543% | 242 |
| Noninterest expense to average assets | 4.7779% | 252 |
| Loan and lease loss provision to assets | 1.9304% | 73 |
| Net operating income to assets | 1.3971% | 987 |
| Return on assets (ROA) | 1.3971% | 1,066 |
| Pretax return on assets | 1.4504% | 1,435 |
| Return on Equity (ROE) | 12.4851% | 994 |
| Retained earnings to average equity (ytd only) | 12.4851% | 373 |
| Net charge-offs to loans | 2.6059% | 50 |
| Credit loss provision to net charge-offs | 114.5570% | 1,729 |
| Earnings coverage of net charge-offs (x) | 2.0063% | 2,322 |
| Efficiency ratio | 58.5621% | 3,933 |
| Assets per employee ($millions) | 4.6168% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1103% | 67 |
| Loan loss allowance to noncurrent loans | 1,524.6154% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.1760% | 3,787 |
| Noncurrent loans to loans | 0.2696% | 3,530 |
| Net loans and leases to total assets | 62.5954% | 3,237 |
| Net loans and leases to deposits | 72.2469% | 3,414 |
| Net loans and leases to core deposits | 76.2601% | 3,479 |
| Total domestic deposits to total assets | 86.6410% | 1,719 |
| Equity capital to assets | 11.6072% | 2,358 |
| Core capital (leverage) ratio | 11.2429% | 2,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1847% | 1,121 |
| Memoranda: | ||
| Average total assets | $37,506,000 | 4,887 |
| Average earning assets | $36,045,000 | 4,850 |
| Average equity | $4,197,000 | 4,922 |
| Average total loans | $24,253,000 | 4,717 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1180% | 191 |
| Cost of funding earning assets | 0.3627% | 4,563 |
| Net interest margin | 5.7553% | 81 |
| Noninterest income to average assets | 1.9360% | 276 |
| Noninterest expense to average assets | 4.3128% | 373 |
| Loan and lease loss provision to assets | 1.9021% | 47 |
| Net operating income to assets | 1.2153% | 2,001 |
| Return on assets (ROA) | 1.2153% | 2,091 |
| Pretax return on assets | 1.2379% | 2,709 |
| Return on Equity (ROE) | 10.6912% | 2,008 |
| Retained earnings to average equity (ytd only) | 2.3620% | 3,844 |
| Net charge-offs to loans | 1.8203% | 68 |
| Credit loss provision to net charge-offs | 156.5116% | 1,644 |
| Earnings coverage of net charge-offs (x) | 2.5837% | 3,401 |
| Efficiency ratio | 57.8688% | 3,986 |
| Assets per employee ($millions) | 5.4397% | 2,111 |
| Cash dividends to net income (ytd only)* | 77.9070% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9679% | 64 |
| Loan loss allowance to noncurrent loans | 1,489.2308% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 3,799 |
| Noncurrent loans to loans | 0.2664% | 3,492 |
| Net loans and leases to total assets | 61.5263% | 3,450 |
| Net loans and leases to deposits | 70.2510% | 3,648 |
| Net loans and leases to core deposits | 74.0432% | 3,716 |
| Total domestic deposits to total assets | 87.5808% | 1,329 |
| Equity capital to assets | 10.7858% | 3,197 |
| Core capital (leverage) ratio | 11.5882% | 2,043 |
| Tier 1 risk-based capital ratio | 16.2657% | 2,308 |
| Total risk-based capital ratio | 17.5480% | 2,238 |
| Memoranda: | ||
| Average total assets | $35,382,800 | 4,964 |
| Average earning assets | $33,916,400 | 4,931 |
| Average equity | $4,022,000 | 4,989 |
| Average total loans | $23,622,800 | 4,789 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1152% | 198 |
| Cost of funding earning assets | 0.3850% | 4,549 |
| Net interest margin | 5.7302% | 85 |
| Noninterest income to average assets | 1.8938% | 289 |
| Noninterest expense to average assets | 4.1640% | 430 |
| Loan and lease loss provision to assets | 1.8400% | 48 |
| Net operating income to assets | 1.3291% | 1,732 |
| Return on assets (ROA) | 1.3291% | 1,803 |
| Pretax return on assets | 1.3790% | 2,390 |
| Return on Equity (ROE) | 11.5308% | 1,794 |
| Retained earnings to average equity (ytd only) | 3.6993% | 3,547 |
| Net charge-offs to loans | 1.6901% | 73 |
| Credit loss provision to net charge-offs | 161.2795% | 1,547 |
| Earnings coverage of net charge-offs (x) | 2.8216% | 3,162 |
| Efficiency ratio | 56.3996% | 4,124 |
| Assets per employee ($millions) | 5.0136% | 2,548 |
| Cash dividends to net income (ytd only)* | 67.9203% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9081% | 66 |
| Loan loss allowance to noncurrent loans | 1,851.0204% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 4,035 |
| Noncurrent loans to loans | 0.2111% | 3,781 |
| Net loans and leases to total assets | 63.5447% | 3,329 |
| Net loans and leases to deposits | 73.6639% | 3,505 |
| Net loans and leases to core deposits | 78.0219% | 3,546 |
| Total domestic deposits to total assets | 86.2630% | 1,880 |
| Equity capital to assets | 11.7538% | 2,455 |
| Core capital (leverage) ratio | 11.6933% | 2,083 |
| Tier 1 risk-based capital ratio | 16.3695% | 2,309 |
| Total risk-based capital ratio | 17.6510% | 2,236 |
| Memoranda: | ||
| Average total assets | $34,709,000 | 5,044 |
| Average earning assets | $33,249,750 | 5,015 |
| Average equity | $4,000,750 | 5,064 |
| Average total loans | $23,429,500 | 4,863 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2937% | 149 |
| Cost of funding earning assets | 0.3862% | 4,558 |
| Net interest margin | 5.9075% | 71 |
| Noninterest income to average assets | 1.7871% | 312 |
| Noninterest expense to average assets | 4.3551% | 348 |
| Loan and lease loss provision to assets | 1.6599% | 50 |
| Net operating income to assets | 1.3939% | 1,453 |
| Return on assets (ROA) | 1.3939% | 1,509 |
| Pretax return on assets | 1.4343% | 2,090 |
| Return on Equity (ROE) | 12.1738% | 1,513 |
| Retained earnings to average equity (ytd only) | 0.3031% | 4,610 |
| Net charge-offs to loans | 1.6508% | 70 |
| Credit loss provision to net charge-offs | 147.9381% | 1,515 |
| Earnings coverage of net charge-offs (x) | 2.7577% | 2,906 |
| Efficiency ratio | 58.4627% | 3,947 |
| Assets per employee ($millions) | 4.8927% | 2,610 |
| Cash dividends to net income (ytd only)* | 97.5104% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3983% | 91 |
| Loan loss allowance to noncurrent loans | 2,152.6316% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 4,201 |
| Noncurrent loans to loans | 0.1579% | 3,975 |
| Net loans and leases to total assets | 67.8940% | 2,827 |
| Net loans and leases to deposits | 79.7073% | 2,987 |
| Net loans and leases to core deposits | 84.6087% | 3,066 |
| Total domestic deposits to total assets | 85.1791% | 2,402 |
| Equity capital to assets | 11.7405% | 2,394 |
| Core capital (leverage) ratio | 11.7008% | 2,022 |
| Tier 1 risk-based capital ratio | 16.3625% | 2,283 |
| Total risk-based capital ratio | 17.6403% | 2,216 |
| Memoranda: | ||
| Average total assets | $34,580,330 | 5,087 |
| Average earning assets | $33,144,330 | 5,060 |
| Average equity | $3,959,330 | 5,109 |
| Average total loans | $23,503,330 | 4,901 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2387% | 152 |
| Cost of funding earning assets | 0.3726% | 4,596 |
| Net interest margin | 5.8661% | 78 |
| Noninterest income to average assets | 1.6808% | 318 |
| Noninterest expense to average assets | 4.4207% | 321 |
| Loan and lease loss provision to assets | 1.5772% | 48 |
| Net operating income to assets | 1.2778% | 1,782 |
| Return on assets (ROA) | 1.2778% | 1,824 |
| Pretax return on assets | 1.3009% | 2,449 |
| Return on Equity (ROE) | 11.3020% | 1,822 |
| Retained earnings to average equity (ytd only) | -12.6257% | 5,166 |
| Net charge-offs to loans | 1.6021% | 73 |
| Credit loss provision to net charge-offs | 147.3118% | 1,259 |
| Earnings coverage of net charge-offs (x) | 2.6882% | 2,472 |
| Efficiency ratio | 60.5678% | 3,737 |
| Assets per employee ($millions) | 4.9973% | 2,523 |
| Cash dividends to net income (ytd only)* | 211.7117% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1893% | 110 |
| Loan loss allowance to noncurrent loans | 1,971.7949% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 4,253 |
| Noncurrent loans to loans | 0.1617% | 4,019 |
| Net loans and leases to total assets | 66.7305% | 2,942 |
| Net loans and leases to deposits | 76.6022% | 3,205 |
| Net loans and leases to core deposits | 81.0774% | 3,267 |
| Total domestic deposits to total assets | 87.1130% | 1,749 |
| Equity capital to assets | 11.0803% | 2,767 |
| Core capital (leverage) ratio | 10.9784% | 2,594 |
| Tier 1 risk-based capital ratio | 15.5643% | 2,624 |
| Total risk-based capital ratio | 16.8406% | 2,534 |
| Memoranda: | ||
| Average total assets | $34,746,000 | 5,132 |
| Average earning assets | $33,276,000 | 5,110 |
| Average equity | $3,928,500 | 5,159 |
| Average total loans | $23,219,500 | 4,967 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9691% | 1,113 |
| Cost of funding earning assets | 0.2785% | 4,665 |
| Net interest margin | 4.6906% | 499 |
| Noninterest income to average assets | 1.3845% | 474 |
| Noninterest expense to average assets | 3.6466% | 825 |
| Loan and lease loss provision to assets | 1.1282% | 68 |
| Net operating income to assets | 1.0530% | 2,792 |
| Return on assets (ROA) | 1.0530% | 2,781 |
| Pretax return on assets | 1.0670% | 3,384 |
| Return on Equity (ROE) | 8.5964% | 3,180 |
| Retained earnings to average equity (ytd only) | -12.3260% | 5,340 |
| Net charge-offs to loans | 0.7055% | 227 |
| Credit loss provision to net charge-offs | 250.0000% | 1,186 |
| Earnings coverage of net charge-offs (x) | 4.8642% | 3,252 |
| Efficiency ratio | 62.4225% | 3,447 |
| Assets per employee ($millions) | 4.9301% | 2,584 |
| Cash dividends to net income (ytd only)* | 243.3862% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2472% | 104 |
| Loan loss allowance to noncurrent loans | 1,907.8947% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 4,283 |
| Noncurrent loans to loans | 0.1702% | 3,988 |
| Net loans and leases to total assets | 62.5945% | 3,505 |
| Net loans and leases to deposits | 72.1920% | 3,656 |
| Net loans and leases to core deposits | 76.5540% | 3,676 |
| Total domestic deposits to total assets | 86.7057% | 1,912 |
| Equity capital to assets | 11.5355% | 2,233 |
| Core capital (leverage) ratio | 11.6077% | 2,020 |
| Tier 1 risk-based capital ratio | 17.4106% | 1,917 |
| Total risk-based capital ratio | 18.6853% | 1,872 |
| Memoranda: | ||
| Average total assets | $35,896,400 | 5,160 |
| Average earning assets | $34,110,800 | 5,128 |
| Average equity | $4,397,200 | 5,120 |
| Average total loans | $22,963,400 | 5,002 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7097% | 1,644 |
| Cost of funding earning assets | 0.2599% | 4,728 |
| Net interest margin | 4.4497% | 819 |
| Noninterest income to average assets | 1.3207% | 549 |
| Noninterest expense to average assets | 3.4360% | 1,070 |
| Loan and lease loss provision to assets | 0.9638% | 88 |
| Net operating income to assets | 1.1257% | 2,550 |
| Return on assets (ROA) | 1.1257% | 2,562 |
| Pretax return on assets | 1.1404% | 3,240 |
| Return on Equity (ROE) | 9.0639% | 3,047 |
| Retained earnings to average equity (ytd only) | -12.2630% | 5,408 |
| Net charge-offs to loans | 0.5247% | 292 |
| Credit loss provision to net charge-offs | 287.9121% | 1,055 |
| Earnings coverage of net charge-offs (x) | 6.2857% | 2,895 |
| Efficiency ratio | 62.0186% | 3,508 |
| Assets per employee ($millions) | 5.1176% | 2,315 |
| Cash dividends to net income (ytd only)* | 235.2950% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8014% | 169 |
| Loan loss allowance to noncurrent loans | 3,265.0000% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 4,689 |
| Noncurrent loans to loans | 0.0858% | 4,496 |
| Net loans and leases to total assets | 63.2471% | 3,517 |
| Net loans and leases to deposits | 72.9741% | 3,681 |
| Net loans and leases to core deposits | 77.1644% | 3,724 |
| Total domestic deposits to total assets | 86.6706% | 1,882 |
| Equity capital to assets | 11.4172% | 2,320 |
| Core capital (leverage) ratio | 11.4234% | 2,228 |
| Tier 1 risk-based capital ratio | 16.7396% | 2,188 |
| Total risk-based capital ratio | 18.0083% | 2,133 |
| Memoranda: | ||
| Average total assets | $36,242,750 | 5,219 |
| Average earning assets | $34,368,250 | 5,188 |
| Average equity | $4,501,250 | 5,174 |
| Average total loans | $23,122,500 | 5,059 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7880% | 1,282 |
| Cost of funding earning assets | 0.2255% | 4,884 |
| Net interest margin | 4.5625% | 602 |
| Noninterest income to average assets | 1.2533% | 612 |
| Noninterest expense to average assets | 3.6171% | 851 |
| Loan and lease loss provision to assets | 0.7366% | 131 |
| Net operating income to assets | 1.2149% | 2,132 |
| Return on assets (ROA) | 1.2149% | 2,128 |
| Pretax return on assets | 1.2369% | 2,780 |
| Return on Equity (ROE) | 9.5293% | 2,785 |
| Retained earnings to average equity (ytd only) | 9.5293% | 1,062 |
| Net charge-offs to loans | 0.3990% | 392 |
| Credit loss provision to net charge-offs | 291.3043% | 1,023 |
| Earnings coverage of net charge-offs (x) | 7.8043% | 2,525 |
| Efficiency ratio | 64.7001% | 3,215 |
| Assets per employee ($millions) | 5.2210% | 2,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4003% | 274 |
| Loan loss allowance to noncurrent loans | 3,562.5000% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 4,806 |
| Noncurrent loans to loans | 0.0674% | 4,620 |
| Net loans and leases to total assets | 63.4170% | 3,463 |
| Net loans and leases to deposits | 75.6207% | 3,375 |
| Net loans and leases to core deposits | 80.0228% | 3,420 |
| Total domestic deposits to total assets | 83.8619% | 3,118 |
| Equity capital to assets | 12.9614% | 1,314 |
| Core capital (leverage) ratio | 12.9844% | 1,219 |
| Tier 1 risk-based capital ratio | 19.1604% | 1,510 |
| Total risk-based capital ratio | 20.4270% | 1,463 |
| Memoranda: | ||
| Average total assets | $36,382,670 | 5,277 |
| Average earning assets | $34,586,670 | 5,243 |
| Average equity | $4,638,330 | 5,217 |
| Average total loans | $23,060,000 | 5,120 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5757% | 1,644 |
| Cost of funding earning assets | 0.1626% | 5,204 |
| Net interest margin | 4.4131% | 747 |
| Noninterest income to average assets | 1.2121% | 631 |
| Noninterest expense to average assets | 3.6363% | 827 |
| Loan and lease loss provision to assets | 0.4077% | 272 |
| Net operating income to assets | 1.3113% | 1,604 |
| Return on assets (ROA) | 1.3113% | 1,611 |
| Pretax return on assets | 1.3554% | 2,170 |
| Return on Equity (ROE) | 10.3726% | 2,243 |
| Retained earnings to average equity (ytd only) | 10.3726% | 1,048 |
| Net charge-offs to loans | 0.2113% | 706 |
| Credit loss provision to net charge-offs | 308.3333% | 799 |
| Earnings coverage of net charge-offs (x) | 13.3333% | 1,760 |
| Efficiency ratio | 67.3469% | 2,946 |
| Assets per employee ($millions) | 5.3213% | 2,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2749% | 338 |
| Loan loss allowance to noncurrent loans | 3,900.0000% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 4,938 |
| Noncurrent loans to loans | 0.0583% | 4,713 |
| Net loans and leases to total assets | 58.4714% | 3,895 |
| Net loans and leases to deposits | 68.0710% | 3,939 |
| Net loans and leases to core deposits | 71.8504% | 3,976 |
| Total domestic deposits to total assets | 85.8976% | 2,590 |
| Equity capital to assets | 12.4513% | 1,507 |
| Core capital (leverage) ratio | 12.7572% | 1,267 |
| Tier 1 risk-based capital ratio | 19.5448% | 1,429 |
| Total risk-based capital ratio | 20.8064% | 1,394 |
| Memoranda: | ||
| Average total assets | $36,300,500 | 5,341 |
| Average earning assets | $34,443,000 | 5,304 |
| Average equity | $4,589,000 | 5,278 |
| Average total loans | $22,716,500 | 5,186 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7170% | 4,295 |
| Cost of funding earning assets | 0.1915% | 5,009 |
| Net interest margin | 3.5254% | 3,446 |
| Noninterest income to average assets | 0.9686% | 1,096 |
| Noninterest expense to average assets | 2.9807% | 2,218 |
| Loan and lease loss provision to assets | 0.3133% | 541 |
| Net operating income to assets | 1.0089% | 2,204 |
| Return on assets (ROA) | 1.0089% | 2,238 |
| Pretax return on assets | 1.0606% | 3,340 |
| Return on Equity (ROE) | 7.9718% | 2,809 |
| Retained earnings to average equity (ytd only) | 7.9718% | 776 |
| Net charge-offs to loans | 0.0093% | 3,764 |
| Credit loss provision to net charge-offs | 5,450.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 239.0000% | 349 |
| Efficiency ratio | 68.4488% | 2,806 |
| Assets per employee ($millions) | 5.0503% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0824% | 458 |
| Loan loss allowance to noncurrent loans | 16,066.6667% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 5,131 |
| Noncurrent loans to loans | 0.0130% | 4,978 |
| Net loans and leases to total assets | 64.1095% | 3,354 |
| Net loans and leases to deposits | 78.8012% | 3,030 |
| Net loans and leases to core deposits | 83.6989% | 3,081 |
| Total domestic deposits to total assets | 81.3561% | 4,037 |
| Equity capital to assets | 12.8423% | 1,342 |
| Core capital (leverage) ratio | 13.0029% | 1,141 |
| Tier 1 risk-based capital ratio | 18.3366% | 1,700 |
| Total risk-based capital ratio | 19.5957% | 1,650 |
| Memoranda: | ||
| Average total assets | $34,791,000 | 5,417 |
| Average earning assets | $33,414,400 | 5,377 |
| Average equity | $4,403,000 | 5,359 |
| Average total loans | $21,471,200 | 5,271 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5271% | 4,748 |
| Cost of funding earning assets | 0.1878% | 5,073 |
| Net interest margin | 3.3393% | 4,046 |
| Noninterest income to average assets | 0.9158% | 1,227 |
| Noninterest expense to average assets | 2.7435% | 2,915 |
| Loan and lease loss provision to assets | 0.1231% | 1,756 |
| Net operating income to assets | 1.2121% | 1,643 |
| Return on assets (ROA) | 1.2121% | 1,674 |
| Pretax return on assets | 1.2659% | 2,641 |
| Return on Equity (ROE) | 9.6135% | 2,299 |
| Retained earnings to average equity (ytd only) | 9.6135% | 678 |
| Net charge-offs to loans | 0.0253% | 2,937 |
| Credit loss provision to net charge-offs | 800.0000% | 432 |
| Earnings coverage of net charge-offs (x) | 90.3039% | 741 |
| Efficiency ratio | 66.3873% | 3,150 |
| Assets per employee ($millions) | 4.9593% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8254% | 813 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 62.4341% | 3,604 |
| Net loans and leases to deposits | 78.2794% | 3,135 |
| Net loans and leases to core deposits | 83.1409% | 3,203 |
| Total domestic deposits to total assets | 79.7580% | 4,371 |
| Equity capital to assets | 13.0462% | 1,363 |
| Core capital (leverage) ratio | 12.9089% | 1,248 |
| Tier 1 risk-based capital ratio | 19.0040% | 1,584 |
| Total risk-based capital ratio | 20.2606% | 1,544 |
| Memoranda: | ||
| Average total assets | $34,650,750 | 5,478 |
| Average earning assets | $33,379,000 | 5,440 |
| Average equity | $4,368,750 | 5,422 |
| Average total loans | $21,052,500 | 5,337 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7618% | 4,026 |
| Cost of funding earning assets | 0.1615% | 5,263 |
| Net interest margin | 3.6003% | 3,042 |
| Noninterest income to average assets | 0.8952% | 1,286 |
| Noninterest expense to average assets | 2.8473% | 2,589 |
| Loan and lease loss provision to assets | 0.0520% | 2,945 |
| Net operating income to assets | 1.4208% | 1,019 |
| Return on assets (ROA) | 1.4208% | 1,044 |
| Pretax return on assets | 1.4727% | 1,748 |
| Return on Equity (ROE) | 11.4012% | 1,497 |
| Retained earnings to average equity (ytd only) | 11.4012% | 381 |
| Net charge-offs to loans | 0.0386% | 2,423 |
| Credit loss provision to net charge-offs | 225.0000% | 1,153 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 877 |
| Efficiency ratio | 65.1255% | 3,487 |
| Assets per employee ($millions) | 5.0421% | 2,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7746% | 932 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 59.5920% | 3,876 |
| Net loans and leases to deposits | 77.3983% | 3,169 |
| Net loans and leases to core deposits | 82.2823% | 3,229 |
| Total domestic deposits to total assets | 76.9939% | 4,956 |
| Equity capital to assets | 12.6307% | 1,557 |
| Core capital (leverage) ratio | 12.6833% | 1,302 |
| Tier 1 risk-based capital ratio | 19.4002% | 1,498 |
| Total risk-based capital ratio | 20.6548% | 1,447 |
| Memoranda: | ||
| Average total assets | $34,629,330 | 5,525 |
| Average earning assets | $33,441,670 | 5,482 |
| Average equity | $4,315,330 | 5,472 |
| Average total loans | $20,711,000 | 5,388 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7409% | 3,968 |
| Cost of funding earning assets | 0.1448% | 5,410 |
| Net interest margin | 3.5961% | 2,898 |
| Noninterest income to average assets | 0.9097% | 1,208 |
| Noninterest expense to average assets | 3.0207% | 2,113 |
| Loan and lease loss provision to assets | 0.0583% | 2,641 |
| Net operating income to assets | 1.2479% | 1,381 |
| Return on assets (ROA) | 1.2479% | 1,415 |
| Pretax return on assets | 1.3063% | 2,210 |
| Return on Equity (ROE) | 10.0848% | 1,931 |
| Retained earnings to average equity (ytd only) | 10.0848% | 789 |
| Net charge-offs to loans | -0.0589% | 5,253 |
| Credit loss provision to net charge-offs | -166.6667% | 4,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8830% | 3,066 |
| Assets per employee ($millions) | 4.9326% | 2,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8710% | 837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 58.1760% | 3,955 |
| Net loans and leases to deposits | 67.6740% | 4,020 |
| Net loans and leases to core deposits | 71.5629% | 4,022 |
| Total domestic deposits to total assets | 85.9650% | 2,680 |
| Equity capital to assets | 12.4768% | 1,556 |
| Core capital (leverage) ratio | 12.2434% | 1,473 |
| Tier 1 risk-based capital ratio | 19.4210% | 1,510 |
| Total risk-based capital ratio | 20.6766% | 1,482 |
| Memoranda: | ||
| Average total assets | $34,296,500 | 5,595 |
| Average earning assets | $33,147,000 | 5,549 |
| Average equity | $4,244,000 | 5,535 |
| Average total loans | $20,360,000 | 5,451 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4710% | 4,842 |
| Cost of funding earning assets | 0.1632% | 5,334 |
| Net interest margin | 3.3078% | 4,118 |
| Noninterest income to average assets | 0.9622% | 1,235 |
| Noninterest expense to average assets | 2.6721% | 3,439 |
| Loan and lease loss provision to assets | 0.3371% | 525 |
| Net operating income to assets | 1.0667% | 2,052 |
| Return on assets (ROA) | 1.0725% | 2,129 |
| Pretax return on assets | 1.1277% | 2,982 |
| Return on Equity (ROE) | 8.5970% | 2,615 |
| Retained earnings to average equity (ytd only) | 8.5970% | 667 |
| Net charge-offs to loans | -0.0052% | 4,814 |
| Credit loss provision to net charge-offs | -11,000.0000% | 5,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6884% | 3,821 |
| Assets per employee ($millions) | 4.8664% | 2,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8519% | 871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 58.3443% | 4,034 |
| Net loans and leases to deposits | 70.0194% | 3,900 |
| Net loans and leases to core deposits | 74.2380% | 3,902 |
| Total domestic deposits to total assets | 83.3260% | 3,653 |
| Equity capital to assets | 12.2707% | 1,649 |
| Core capital (leverage) ratio | 12.6421% | 1,278 |
| Tier 1 risk-based capital ratio | 19.0185% | 1,597 |
| Total risk-based capital ratio | 20.2749% | 1,556 |
| Memoranda: | ||
| Average total assets | $32,633,800 | 5,682 |
| Average earning assets | $31,259,400 | 5,643 |
| Average equity | $4,071,200 | 5,630 |
| Average total loans | $19,337,400 | 5,538 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4007% | 5,023 |
| Cost of funding earning assets | 0.1683% | 5,357 |
| Net interest margin | 3.2324% | 4,394 |
| Noninterest income to average assets | 0.9708% | 1,210 |
| Noninterest expense to average assets | 2.5364% | 3,875 |
| Loan and lease loss provision to assets | 0.2231% | 920 |
| Net operating income to assets | 1.2480% | 1,458 |
| Return on assets (ROA) | 1.2599% | 1,522 |
| Pretax return on assets | 1.3178% | 2,358 |
| Return on Equity (ROE) | 10.0559% | 2,027 |
| Retained earnings to average equity (ytd only) | 10.0559% | 566 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3984% | 4,160 |
| Assets per employee ($millions) | 4.6346% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7244% | 1,158 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 55.8628% | 4,321 |
| Net loans and leases to deposits | 65.4449% | 4,392 |
| Net loans and leases to core deposits | 69.4634% | 4,367 |
| Total domestic deposits to total assets | 85.3585% | 2,655 |
| Equity capital to assets | 12.9030% | 1,540 |
| Core capital (leverage) ratio | 13.0006% | 1,193 |
| Tier 1 risk-based capital ratio | 20.2055% | 1,405 |
| Total risk-based capital ratio | 21.4571% | 1,371 |
| Memoranda: | ||
| Average total assets | $32,276,000 | 5,748 |
| Average earning assets | $30,895,000 | 5,706 |
| Average equity | $4,044,000 | 5,697 |
| Average total loans | $19,109,250 | 5,599 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8116% | 3,916 |
| Cost of funding earning assets | 0.1747% | 5,372 |
| Net interest margin | 3.6369% | 2,947 |
| Noninterest income to average assets | 0.9807% | 1,173 |
| Noninterest expense to average assets | 2.9050% | 2,658 |
| Loan and lease loss provision to assets | 0.0559% | 3,029 |
| Net operating income to assets | 1.4532% | 965 |
| Return on assets (ROA) | 1.4711% | 988 |
| Pretax return on assets | 1.5270% | 1,597 |
| Return on Equity (ROE) | 11.8599% | 1,370 |
| Retained earnings to average equity (ytd only) | 11.8599% | 346 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0000% | 3,851 |
| Assets per employee ($millions) | 4.3506% | 3,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4738% | 1,968 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 59.9297% | 3,889 |
| Net loans and leases to deposits | 72.3356% | 3,757 |
| Net loans and leases to core deposits | 77.2398% | 3,716 |
| Total domestic deposits to total assets | 82.8495% | 3,706 |
| Equity capital to assets | 13.5680% | 1,198 |
| Core capital (leverage) ratio | 12.3689% | 1,424 |
| Tier 1 risk-based capital ratio | 20.1581% | 1,427 |
| Total risk-based capital ratio | 21.4081% | 1,394 |
| Memoranda: | ||
| Average total assets | $32,220,670 | 5,815 |
| Average earning assets | $30,905,330 | 5,774 |
| Average equity | $3,996,670 | 5,769 |
| Average total loans | $19,332,000 | 5,656 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7136% | 4,271 |
| Cost of funding earning assets | 0.1511% | 5,602 |
| Net interest margin | 3.5625% | 3,230 |
| Noninterest income to average assets | 0.9183% | 1,271 |
| Noninterest expense to average assets | 2.9000% | 2,707 |
| Loan and lease loss provision to assets | 0.0604% | 2,739 |
| Net operating income to assets | 1.3171% | 1,216 |
| Return on assets (ROA) | 1.3171% | 1,294 |
| Pretax return on assets | 1.3775% | 1,974 |
| Return on Equity (ROE) | 11.0970% | 1,569 |
| Retained earnings to average equity (ytd only) | 11.0970% | 635 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8524% | 3,659 |
| Assets per employee ($millions) | 4.8480% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 2,636 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 57.7735% | 4,068 |
| Net loans and leases to deposits | 69.7077% | 3,882 |
| Net loans and leases to core deposits | 70.5049% | 4,204 |
| Total domestic deposits to total assets | 82.8795% | 3,942 |
| Equity capital to assets | 11.7515% | 2,201 |
| Core capital (leverage) ratio | 11.9327% | 1,654 |
| Tier 1 risk-based capital ratio | 18.0341% | 1,974 |
| Total risk-based capital ratio | 19.2617% | 1,951 |
| Memoranda: | ||
| Average total assets | $33,104,000 | 5,860 |
| Average earning assets | $31,775,000 | 5,819 |
| Average equity | $3,929,000 | 5,824 |
| Average total loans | $19,736,000 | 5,692 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5028% | 4,910 |
| Cost of funding earning assets | 0.1574% | 5,642 |
| Net interest margin | 3.3454% | 4,128 |
| Noninterest income to average assets | 0.9435% | 1,332 |
| Noninterest expense to average assets | 2.7849% | 3,302 |
| Loan and lease loss provision to assets | 0.1562% | 1,501 |
| Net operating income to assets | 1.1193% | 1,840 |
| Return on assets (ROA) | 1.1224% | 1,892 |
| Pretax return on assets | 1.1875% | 2,705 |
| Return on Equity (ROE) | 9.3273% | 2,311 |
| Retained earnings to average equity (ytd only) | 9.3273% | 582 |
| Net charge-offs to loans | -0.0055% | 4,993 |
| Credit loss provision to net charge-offs | -4,800.0000% | 5,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5079% | 3,663 |
| Assets per employee ($millions) | 4.6103% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 2,680 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 59.9064% | 3,851 |
| Net loans and leases to deposits | 73.5850% | 3,544 |
| Net loans and leases to core deposits | 78.3474% | 3,507 |
| Total domestic deposits to total assets | 81.4111% | 4,363 |
| Equity capital to assets | 11.9918% | 1,954 |
| Core capital (leverage) ratio | 12.2912% | 1,455 |
| Tier 1 risk-based capital ratio | 17.5042% | 2,121 |
| Total risk-based capital ratio | 18.6983% | 2,096 |
| Memoranda: | ||
| Average total assets | $30,737,600 | 5,945 |
| Average earning assets | $29,234,000 | 5,915 |
| Average equity | $3,698,800 | 5,902 |
| Average total loans | $18,206,200 | 5,788 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4047% | 5,195 |
| Cost of funding earning assets | 0.1571% | 5,732 |
| Net interest margin | 3.2477% | 4,534 |
| Noninterest income to average assets | 0.9312% | 1,370 |
| Noninterest expense to average assets | 2.8068% | 3,160 |
| Loan and lease loss provision to assets | 0.0615% | 2,952 |
| Net operating income to assets | 1.1025% | 1,989 |
| Return on assets (ROA) | 1.1025% | 2,072 |
| Pretax return on assets | 1.1509% | 3,014 |
| Return on Equity (ROE) | 9.1537% | 2,492 |
| Retained earnings to average equity (ytd only) | 9.1537% | 855 |
| Net charge-offs to loans | 0.0074% | 3,903 |
| Credit loss provision to net charge-offs | 1,400.0000% | 260 |
| Earnings coverage of net charge-offs (x) | 276.6842% | 255 |
| Efficiency ratio | 69.8361% | 3,235 |
| Assets per employee ($millions) | 4.2671% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 3,236 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 59.1496% | 3,990 |
| Net loans and leases to deposits | 69.1940% | 4,073 |
| Net loans and leases to core deposits | 70.0583% | 4,364 |
| Total domestic deposits to total assets | 85.4838% | 2,790 |
| Equity capital to assets | 12.6883% | 1,622 |
| Core capital (leverage) ratio | 12.6951% | 1,320 |
| Tier 1 risk-based capital ratio | 15.7001% | 2,953 |
| Total risk-based capital ratio | 16.6446% | 3,025 |
| Memoranda: | ||
| Average total assets | $30,354,000 | 6,033 |
| Average earning assets | $28,861,000 | 6,002 |
| Average equity | $3,656,000 | 5,985 |
| Average total loans | $17,858,500 | 5,869 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7448% | 4,256 |
| Cost of funding earning assets | 0.1586% | 5,787 |
| Net interest margin | 3.5862% | 3,145 |
| Noninterest income to average assets | 0.9045% | 1,428 |
| Noninterest expense to average assets | 3.1722% | 2,058 |
| Loan and lease loss provision to assets | 0.0590% | 2,918 |
| Net operating income to assets | 1.0290% | 2,236 |
| Return on assets (ROA) | 1.0290% | 2,352 |
| Pretax return on assets | 1.0814% | 3,251 |
| Return on Equity (ROE) | 8.6949% | 2,703 |
| Retained earnings to average equity (ytd only) | 8.6949% | 1,024 |
| Net charge-offs to loans | 0.0112% | 3,515 |
| Credit loss provision to net charge-offs | 900.0000% | 393 |
| Earnings coverage of net charge-offs (x) | 174.0000% | 383 |
| Efficiency ratio | 73.5562% | 2,742 |
| Assets per employee ($millions) | 4.9148% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 3,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 59.0729% | 3,965 |
| Net loans and leases to deposits | 72.9053% | 3,628 |
| Net loans and leases to core deposits | 73.8793% | 3,965 |
| Total domestic deposits to total assets | 81.0268% | 4,612 |
| Equity capital to assets | 12.4894% | 1,663 |
| Core capital (leverage) ratio | 12.0430% | 1,635 |
| Tier 1 risk-based capital ratio | 16.6031% | 2,564 |
| Total risk-based capital ratio | 17.6158% | 2,633 |
| Memoranda: | ||
| Average total assets | $30,515,330 | 6,101 |
| Average earning assets | $29,000,000 | 6,066 |
| Average equity | $3,611,330 | 6,052 |
| Average total loans | $17,846,000 | 5,931 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6854% | 4,419 |
| Cost of funding earning assets | 0.1496% | 5,925 |
| Net interest margin | 3.5359% | 3,280 |
| Noninterest income to average assets | 0.8766% | 1,471 |
| Noninterest expense to average assets | 3.1455% | 2,146 |
| Loan and lease loss provision to assets | 0.0645% | 2,642 |
| Net operating income to assets | 0.9669% | 2,412 |
| Return on assets (ROA) | 0.9669% | 2,545 |
| Pretax return on assets | 1.0184% | 3,427 |
| Return on Equity (ROE) | 8.3904% | 2,758 |
| Retained earnings to average equity (ytd only) | 8.3904% | 1,418 |
| Net charge-offs to loans | 0.0446% | 2,356 |
| Credit loss provision to net charge-offs | 250.0000% | 913 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 947 |
| Efficiency ratio | 74.3902% | 2,745 |
| Assets per employee ($millions) | 4.8772% | 2,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 3,435 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 56.8192% | 4,110 |
| Net loans and leases to deposits | 66.1297% | 4,142 |
| Net loans and leases to core deposits | 70.5640% | 4,102 |
| Total domestic deposits to total assets | 85.9208% | 2,985 |
| Equity capital to assets | 12.3945% | 1,759 |
| Core capital (leverage) ratio | 11.6349% | 1,900 |
| Tier 1 risk-based capital ratio | 16.4822% | 2,687 |
| Total risk-based capital ratio | 17.4875% | 2,754 |
| Memoranda: | ||
| Average total assets | $31,028,500 | 6,158 |
| Average earning assets | $29,413,000 | 6,114 |
| Average equity | $3,575,500 | 6,115 |
| Average total loans | $17,947,500 | 5,977 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3901% | 5,551 |
| Cost of funding earning assets | 0.1752% | 5,938 |
| Net interest margin | 3.2149% | 4,873 |
| Noninterest income to average assets | 0.9739% | 1,272 |
| Noninterest expense to average assets | 2.8199% | 3,414 |
| Loan and lease loss provision to assets | 0.0611% | 3,298 |
| Net operating income to assets | 1.0859% | 2,028 |
| Return on assets (ROA) | 1.0859% | 2,084 |
| Pretax return on assets | 1.1436% | 2,908 |
| Return on Equity (ROE) | 9.3721% | 2,403 |
| Retained earnings to average equity (ytd only) | 4.9789% | 2,614 |
| Net charge-offs to loans | 0.0477% | 3,873 |
| Credit loss provision to net charge-offs | 225.0000% | 1,118 |
| Earnings coverage of net charge-offs (x) | 44.3750% | 1,011 |
| Efficiency ratio | 70.0675% | 3,519 |
| Assets per employee ($millions) | 5.4657% | 1,798 |
| Cash dividends to net income (ytd only)* | 46.8750% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 4,393 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 57.4343% | 4,130 |
| Net loans and leases to deposits | 75.2918% | 3,277 |
| Net loans and leases to core deposits | 80.3678% | 3,250 |
| Total domestic deposits to total assets | 76.2822% | 5,692 |
| Equity capital to assets | 10.7459% | 3,185 |
| Core capital (leverage) ratio | 12.1105% | 1,558 |
| Tier 1 risk-based capital ratio | 15.2671% | 3,333 |
| Total risk-based capital ratio | 16.2055% | 3,451 |
| Memoranda: | ||
| Average total assets | $29,469,400 | 6,258 |
| Average earning assets | $27,963,600 | 6,220 |
| Average equity | $3,414,400 | 6,196 |
| Average total loans | $16,787,200 | 6,094 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7216% | 4,797 |
| Cost of funding earning assets | 0.1614% | 6,116 |
| Net interest margin | 3.5603% | 3,594 |
| Noninterest income to average assets | 1.0010% | 1,225 |
| Noninterest expense to average assets | 3.2543% | 2,016 |
| Loan and lease loss provision to assets | 0.0233% | 3,942 |
| Net operating income to assets | 1.0533% | 2,220 |
| Return on assets (ROA) | 1.0754% | 2,203 |
| Pretax return on assets | 1.1360% | 3,045 |
| Return on Equity (ROE) | 9.0933% | 2,630 |
| Retained earnings to average equity (ytd only) | 3.1887% | 4,361 |
| Net charge-offs to loans | 0.0658% | 3,258 |
| Credit loss provision to net charge-offs | 62.5000% | 2,896 |
| Earnings coverage of net charge-offs (x) | 30.4902% | 1,355 |
| Efficiency ratio | 74.1251% | 2,802 |
| Assets per employee ($millions) | 4.6383% | 2,751 |
| Cash dividends to net income (ytd only)* | 64.9372% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 4,151 |
| Loan loss allowance to noncurrent loans | 159.0551% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.4563% | 4,531 |
| Noncurrent loans to loans | 0.7636% | 3,687 |
| Net loans and leases to total assets | 59.0370% | 3,925 |
| Net loans and leases to deposits | 68.8542% | 4,034 |
| Net loans and leases to core deposits | 73.7069% | 3,975 |
| Total domestic deposits to total assets | 85.7420% | 2,984 |
| Equity capital to assets | 12.3823% | 1,786 |
| Core capital (leverage) ratio | 12.1382% | 1,613 |
| Tier 1 risk-based capital ratio | 17.0067% | 2,621 |
| Total risk-based capital ratio | 18.0145% | 2,647 |
| Memoranda: | ||
| Average total assets | $28,638,250 | 6,348 |
| Average earning assets | $27,263,250 | 6,307 |
| Average equity | $3,387,000 | 6,268 |
| Average total loans | $16,221,500 | 6,180 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6917% | 4,884 |
| Cost of funding earning assets | 0.1675% | 6,151 |
| Net interest margin | 3.5242% | 3,685 |
| Noninterest income to average assets | 0.9755% | 1,269 |
| Noninterest expense to average assets | 3.1964% | 2,204 |
| Loan and lease loss provision to assets | 0.0138% | 3,984 |
| Net operating income to assets | 1.0606% | 2,077 |
| Return on assets (ROA) | 1.1001% | 2,009 |
| Pretax return on assets | 1.1554% | 2,857 |
| Return on Equity (ROE) | 9.4437% | 2,395 |
| Retained earnings to average equity (ytd only) | 0.5345% | 5,526 |
| Net charge-offs to loans | 0.1119% | 2,542 |
| Credit loss provision to net charge-offs | 22.2222% | 3,170 |
| Earnings coverage of net charge-offs (x) | 18.1111% | 1,701 |
| Efficiency ratio | 73.9200% | 2,985 |
| Assets per employee ($millions) | 3.9951% | 3,846 |
| Cash dividends to net income (ytd only)* | 94.3396% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3063% | 3,825 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 53.4900% | 4,598 |
| Net loans and leases to deposits | 65.2718% | 4,354 |
| Net loans and leases to core deposits | 70.0754% | 4,261 |
| Total domestic deposits to total assets | 81.9495% | 4,664 |
| Equity capital to assets | 12.0360% | 1,953 |
| Core capital (leverage) ratio | 11.5192% | 1,984 |
| Tier 1 risk-based capital ratio | 17.8602% | 2,290 |
| Total risk-based capital ratio | 18.9199% | 2,331 |
| Memoranda: | ||
| Average total assets | $28,907,670 | 6,407 |
| Average earning assets | $27,467,000 | 6,363 |
| Average equity | $3,367,330 | 6,322 |
| Average total loans | $16,084,670 | 6,235 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7096% | 4,816 |
| Cost of funding earning assets | 0.1582% | 6,310 |
| Net interest margin | 3.5514% | 3,477 |
| Noninterest income to average assets | 0.9939% | 1,140 |
| Noninterest expense to average assets | 3.2405% | 2,100 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0620% | 1,961 |
| Return on assets (ROA) | 1.0620% | 2,033 |
| Pretax return on assets | 1.1165% | 2,825 |
| Return on Equity (ROE) | 9.2637% | 2,342 |
| Retained earnings to average equity (ytd only) | 9.2637% | 1,170 |
| Net charge-offs to loans | 0.0483% | 2,708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 863 |
| Efficiency ratio | 74.3750% | 3,074 |
| Assets per employee ($millions) | 4.9122% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 4,104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 52.1392% | 4,655 |
| Net loans and leases to deposits | 60.0555% | 4,756 |
| Net loans and leases to core deposits | 63.9705% | 4,695 |
| Total domestic deposits to total assets | 86.8184% | 2,929 |
| Equity capital to assets | 11.5835% | 2,180 |
| Core capital (leverage) ratio | 11.5208% | 1,953 |
| Tier 1 risk-based capital ratio | 16.5718% | 2,861 |
| Total risk-based capital ratio | 17.5595% | 2,967 |
| Memoranda: | ||
| Average total assets | $29,378,500 | 6,462 |
| Average earning assets | $27,820,000 | 6,424 |
| Average equity | $3,368,000 | 6,373 |
| Average total loans | $16,548,500 | 6,282 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0433% | 6,298 |
| Cost of funding earning assets | 0.1886% | 6,346 |
| Net interest margin | 2.8547% | 5,890 |
| Noninterest income to average assets | 1.2415% | 905 |
| Noninterest expense to average assets | 2.7383% | 3,958 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1626% | 1,711 |
| Return on assets (ROA) | 1.2346% | 1,500 |
| Pretax return on assets | 1.2933% | 2,182 |
| Return on Equity (ROE) | 11.2043% | 1,701 |
| Retained earnings to average equity (ytd only) | 6.5098% | 1,680 |
| Net charge-offs to loans | 0.0149% | 5,150 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 176.5000% | 261 |
| Efficiency ratio | 69.2241% | 3,972 |
| Assets per employee ($millions) | 4.1834% | 3,476 |
| Cash dividends to net income (ytd only)* | 41.8994% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 4,814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 59.1518% | 3,849 |
| Net loans and leases to deposits | 73.4637% | 3,332 |
| Net loans and leases to core deposits | 78.6899% | 3,278 |
| Total domestic deposits to total assets | 80.5184% | 5,313 |
| Equity capital to assets | 11.3441% | 2,299 |
| Core capital (leverage) ratio | 11.6936% | 1,833 |
| Tier 1 risk-based capital ratio | 15.5354% | 3,351 |
| Total risk-based capital ratio | 16.4924% | 3,468 |
| Memoranda: | ||
| Average total assets | $28,996,600 | 6,545 |
| Average earning assets | $27,568,400 | 6,496 |
| Average equity | $3,195,200 | 6,497 |
| Average total loans | $13,380,800 | 6,473 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2436% | 6,144 |
| Cost of funding earning assets | 0.1843% | 6,480 |
| Net interest margin | 3.0593% | 5,437 |
| Noninterest income to average assets | 1.2446% | 948 |
| Noninterest expense to average assets | 3.0838% | 2,714 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0148% | 2,318 |
| Return on assets (ROA) | 1.1155% | 2,020 |
| Pretax return on assets | 1.1754% | 2,799 |
| Return on Equity (ROE) | 10.1995% | 2,107 |
| Retained earnings to average equity (ytd only) | 3.8774% | 3,930 |
| Net charge-offs to loans | 0.0324% | 4,484 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 77.3325% | 611 |
| Efficiency ratio | 74.2508% | 3,022 |
| Assets per employee ($millions) | 3.9684% | 3,897 |
| Cash dividends to net income (ytd only)* | 61.9848% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 4,568 |
| Loan loss allowance to noncurrent loans | 201.9802% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.3636% | 5,320 |
| Noncurrent loans to loans | 0.6264% | 4,636 |
| Net loans and leases to total assets | 57.3131% | 4,119 |
| Net loans and leases to deposits | 66.3762% | 4,261 |
| Net loans and leases to core deposits | 70.9840% | 4,213 |
| Total domestic deposits to total assets | 86.3458% | 3,050 |
| Equity capital to assets | 11.4907% | 2,313 |
| Core capital (leverage) ratio | 10.9233% | 2,557 |
| Tier 1 risk-based capital ratio | 16.0120% | 3,187 |
| Total risk-based capital ratio | 17.0289% | 3,268 |
| Memoranda: | ||
| Average total assets | $28,924,750 | 6,621 |
| Average earning assets | $27,500,000 | 6,574 |
| Average equity | $3,163,500 | 6,577 |
| Average total loans | $12,344,250 | 6,575 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1257% | 6,315 |
| Cost of funding earning assets | 0.1725% | 6,611 |
| Net interest margin | 2.9532% | 5,689 |
| Noninterest income to average assets | 1.2079% | 1,050 |
| Noninterest expense to average assets | 3.1119% | 2,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8585% | 3,000 |
| Return on assets (ROA) | 1.0919% | 2,069 |
| Pretax return on assets | 1.1465% | 2,900 |
| Return on Equity (ROE) | 10.1458% | 2,140 |
| Retained earnings to average equity (ytd only) | 0.6341% | 5,645 |
| Net charge-offs to loans | -0.0541% | 6,294 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5510% | 2,534 |
| Assets per employee ($millions) | 4.1427% | 3,486 |
| Cash dividends to net income (ytd only)* | 93.7500% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8088% | 2,410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 39.3117% | 6,089 |
| Net loans and leases to deposits | 44.7902% | 6,179 |
| Net loans and leases to core deposits | 47.6948% | 6,147 |
| Total domestic deposits to total assets | 87.7685% | 2,403 |
| Equity capital to assets | 10.5659% | 3,216 |
| Core capital (leverage) ratio | 10.6701% | 2,695 |
| Tier 1 risk-based capital ratio | 19.5673% | 1,836 |
| Total risk-based capital ratio | 20.8180% | 1,813 |
| Memoranda: | ||
| Average total assets | $29,306,670 | 6,663 |
| Average earning assets | $27,834,000 | 6,618 |
| Average equity | $3,154,000 | 6,626 |
| Average total loans | $11,084,000 | 6,668 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9818% | 6,530 |
| Cost of funding earning assets | 0.1712% | 6,722 |
| Net interest margin | 2.8106% | 6,008 |
| Noninterest income to average assets | 1.2491% | 980 |
| Noninterest expense to average assets | 3.0957% | 2,692 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7739% | 3,313 |
| Return on assets (ROA) | 0.7739% | 3,451 |
| Pretax return on assets | 0.8282% | 4,048 |
| Return on Equity (ROE) | 7.1272% | 3,424 |
| Retained earnings to average equity (ytd only) | -11.6286% | 6,671 |
| Net charge-offs to loans | -0.1109% | 6,486 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8927% | 2,480 |
| Assets per employee ($millions) | 4.3024% | 3,333 |
| Cash dividends to net income (ytd only)* | 263.1579% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1065% | 1,778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 32.4036% | 6,495 |
| Net loans and leases to deposits | 36.8167% | 6,544 |
| Net loans and leases to core deposits | 39.0266% | 6,519 |
| Total domestic deposits to total assets | 88.0134% | 2,300 |
| Equity capital to assets | 10.4791% | 3,564 |
| Core capital (leverage) ratio | 9.9415% | 3,471 |
| Tier 1 risk-based capital ratio | 19.1510% | 2,000 |
| Total risk-based capital ratio | 20.4036% | 1,972 |
| Memoranda: | ||
| Average total assets | $29,460,500 | 6,722 |
| Average earning assets | $28,037,000 | 6,672 |
| Average equity | $3,199,000 | 6,680 |
| Average total loans | $10,821,000 | 6,740 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1491% | 6,689 |
| Cost of funding earning assets | 0.2611% | 6,624 |
| Net interest margin | 2.8881% | 6,246 |
| Noninterest income to average assets | 1.3987% | 793 |
| Noninterest expense to average assets | 2.8740% | 3,746 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1904% | 1,636 |
| Return on assets (ROA) | 1.2493% | 1,611 |
| Pretax return on assets | 1.2991% | 2,400 |
| Return on Equity (ROE) | 10.4367% | 1,991 |
| Retained earnings to average equity (ytd only) | 5.6345% | 2,293 |
| Net charge-offs to loans | 0.0194% | 5,635 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 161.5000% | 258 |
| Efficiency ratio | 69.8975% | 3,837 |
| Assets per employee ($millions) | 4.8007% | 2,493 |
| Cash dividends to net income (ytd only)* | 46.0123% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7733% | 2,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 39.8070% | 6,181 |
| Net loans and leases to deposits | 46.2619% | 6,237 |
| Net loans and leases to core deposits | 46.8516% | 6,334 |
| Total domestic deposits to total assets | 86.0471% | 3,335 |
| Equity capital to assets | 11.2554% | 2,680 |
| Core capital (leverage) ratio | 10.7542% | 2,487 |
| Tier 1 risk-based capital ratio | 18.6258% | 2,061 |
| Total risk-based capital ratio | 19.8615% | 2,030 |
| Memoranda: | ||
| Average total assets | $26,095,600 | 6,839 |
| Average earning assets | $24,514,600 | 6,803 |
| Average equity | $3,123,600 | 6,753 |
| Average total loans | $10,285,600 | 6,837 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5555% | 6,444 |
| Cost of funding earning assets | 0.2739% | 6,715 |
| Net interest margin | 3.2816% | 5,447 |
| Noninterest income to average assets | 1.4215% | 743 |
| Noninterest expense to average assets | 3.2522% | 2,416 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1844% | 1,794 |
| Return on assets (ROA) | 1.2642% | 1,692 |
| Pretax return on assets | 1.3323% | 2,487 |
| Return on Equity (ROE) | 10.3856% | 2,179 |
| Retained earnings to average equity (ytd only) | 3.9215% | 4,126 |
| Net charge-offs to loans | -0.0402% | 6,656 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2611% | 3,275 |
| Assets per employee ($millions) | 4.5553% | 2,813 |
| Cash dividends to net income (ytd only)* | 62.2413% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0206% | 2,109 |
| Loan loss allowance to noncurrent loans | 169.6000% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.4573% | 5,520 |
| Noncurrent loans to loans | 1.1914% | 4,072 |
| Net loans and leases to total assets | 37.6116% | 6,440 |
| Net loans and leases to deposits | 43.4232% | 6,532 |
| Net loans and leases to core deposits | 43.9974% | 6,596 |
| Total domestic deposits to total assets | 86.6164% | 2,908 |
| Equity capital to assets | 11.6128% | 2,633 |
| Core capital (leverage) ratio | 11.7041% | 1,838 |
| Tier 1 risk-based capital ratio | 19.9435% | 1,778 |
| Total risk-based capital ratio | 20.3443% | 1,954 |
| Memoranda: | ||
| Average total assets | $25,418,500 | 6,945 |
| Average earning assets | $23,849,750 | 6,907 |
| Average equity | $3,094,000 | 6,851 |
| Average total loans | $9,938,750 | 6,941 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5781% | 6,511 |
| Cost of funding earning assets | 0.3018% | 6,735 |
| Net interest margin | 3.2763% | 5,514 |
| Noninterest income to average assets | 1.4205% | 712 |
| Noninterest expense to average assets | 3.2687% | 2,391 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1541% | 1,865 |
| Return on assets (ROA) | 1.1541% | 2,075 |
| Pretax return on assets | 1.2187% | 2,841 |
| Return on Equity (ROE) | 9.3241% | 2,662 |
| Retained earnings to average equity (ytd only) | -0.4564% | 6,113 |
| Net charge-offs to loans | -0.0410% | 6,615 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8417% | 3,269 |
| Assets per employee ($millions) | 4.1532% | 3,558 |
| Cash dividends to net income (ytd only)* | 104.8951% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1986% | 1,772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 37.6660% | 6,508 |
| Net loans and leases to deposits | 43.8168% | 6,565 |
| Net loans and leases to core deposits | 47.0877% | 6,508 |
| Total domestic deposits to total assets | 85.9625% | 3,370 |
| Equity capital to assets | 12.2316% | 1,984 |
| Core capital (leverage) ratio | 11.7739% | 1,739 |
| Tier 1 risk-based capital ratio | 20.0109% | 1,700 |
| Total risk-based capital ratio | 21.2646% | 1,671 |
| Memoranda: | ||
| Average total assets | $24,780,670 | 7,018 |
| Average earning assets | $23,196,670 | 6,981 |
| Average equity | $3,067,330 | 6,898 |
| Average total loans | $9,754,330 | 7,006 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5416% | 6,647 |
| Cost of funding earning assets | 0.3422% | 6,673 |
| Net interest margin | 3.1994% | 5,781 |
| Noninterest income to average assets | 1.4406% | 694 |
| Noninterest expense to average assets | 3.3021% | 2,281 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1007% | 2,080 |
| Return on assets (ROA) | 1.1007% | 2,268 |
| Pretax return on assets | 1.1654% | 3,045 |
| Return on Equity (ROE) | 8.8398% | 2,892 |
| Retained earnings to average equity (ytd only) | 8.8398% | 1,646 |
| Net charge-offs to loans | -0.0814% | 6,719 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9130% | 3,110 |
| Assets per employee ($millions) | 5.2058% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3271% | 1,632 |
| Loan loss allowance to noncurrent loans | 3,014.2857% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 6,838 |
| Noncurrent loans to loans | 0.0772% | 6,558 |
| Net loans and leases to total assets | 34.0236% | 6,736 |
| Net loans and leases to deposits | 39.3933% | 6,764 |
| Net loans and leases to core deposits | 42.1754% | 6,739 |
| Total domestic deposits to total assets | 86.3690% | 3,322 |
| Equity capital to assets | 11.9405% | 2,085 |
| Core capital (leverage) ratio | 12.3508% | 1,409 |
| Tier 1 risk-based capital ratio | 21.0456% | 1,483 |
| Total risk-based capital ratio | 22.2968% | 1,454 |
| Memoranda: | ||
| Average total assets | $24,711,500 | 7,081 |
| Average earning assets | $23,379,500 | 7,039 |
| Average equity | $3,077,000 | 6,941 |
| Average total loans | $9,833,000 | 7,068 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7542% | 6,782 |
| Cost of funding earning assets | 0.4634% | 6,686 |
| Net interest margin | 3.2908% | 5,834 |
| Noninterest income to average assets | 1.2055% | 914 |
| Noninterest expense to average assets | 3.0865% | 3,248 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.2231% | 1,453 |
| Return on assets (ROA) | 1.2231% | 1,556 |
| Pretax return on assets | 1.2231% | 2,378 |
| Return on Equity (ROE) | 9.2735% | 2,334 |
| Retained earnings to average equity (ytd only) | 4.2518% | 3,161 |
| Net charge-offs to loans | -0.0285% | 6,997 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6189% | 3,654 |
| Assets per employee ($millions) | 3.8990% | 4,078 |
| Cash dividends to net income (ytd only)* | 54.1516% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9719% | 2,364 |
| Loan loss allowance to noncurrent loans | 1,492.8571% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 6,802 |
| Noncurrent loans to loans | 0.1321% | 6,480 |
| Net loans and leases to total assets | 44.4131% | 6,172 |
| Net loans and leases to deposits | 52.1089% | 6,203 |
| Net loans and leases to core deposits | 52.9292% | 6,373 |
| Total domestic deposits to total assets | 85.2313% | 3,728 |
| Equity capital to assets | 13.0204% | 1,475 |
| Core capital (leverage) ratio | 12.6728% | 1,278 |
| Tier 1 risk-based capital ratio | 20.2826% | 1,572 |
| Total risk-based capital ratio | 21.5369% | 1,550 |
| Memoranda: | ||
| Average total assets | $22,647,000 | 7,151 |
| Average earning assets | $21,362,800 | 7,121 |
| Average equity | $2,987,000 | 7,010 |
| Average total loans | $10,544,000 | 7,096 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1802% | 6,256 |
| Cost of funding earning assets | 0.4966% | 6,707 |
| Net interest margin | 3.6836% | 4,414 |
| Noninterest income to average assets | 1.1576% | 980 |
| Noninterest expense to average assets | 3.3777% | 2,254 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2585% | 1,491 |
| Return on assets (ROA) | 1.2585% | 1,597 |
| Pretax return on assets | 1.2585% | 2,435 |
| Return on Equity (ROE) | 9.5100% | 2,387 |
| Retained earnings to average equity (ytd only) | 9.5100% | 982 |
| Net charge-offs to loans | -0.0633% | 7,094 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8553% | 3,388 |
| Assets per employee ($millions) | 3.7522% | 4,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8648% | 2,729 |
| Loan loss allowance to noncurrent loans | 159.8485% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.5863% | 5,652 |
| Noncurrent loans to loans | 1.1666% | 4,591 |
| Net loans and leases to total assets | 49.3226% | 5,791 |
| Net loans and leases to deposits | 60.2659% | 5,599 |
| Net loans and leases to core deposits | 61.2804% | 5,880 |
| Total domestic deposits to total assets | 81.8416% | 5,153 |
| Equity capital to assets | 13.9697% | 1,164 |
| Core capital (leverage) ratio | 13.4387% | 1,064 |
| Tier 1 risk-based capital ratio | 20.6408% | 1,529 |
| Total risk-based capital ratio | 21.8950% | 1,502 |
| Memoranda: | ||
| Average total assets | $22,460,250 | 7,226 |
| Average earning assets | $21,210,250 | 7,196 |
| Average equity | $2,972,250 | 7,079 |
| Average total loans | $10,530,250 | 7,168 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1139% | 6,464 |
| Cost of funding earning assets | 0.5190% | 6,781 |
| Net interest margin | 3.5950% | 4,740 |
| Noninterest income to average assets | 1.0694% | 1,152 |
| Noninterest expense to average assets | 3.3686% | 2,347 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0961% | 1,881 |
| Return on assets (ROA) | 1.0961% | 1,968 |
| Pretax return on assets | 1.0961% | 2,868 |
| Return on Equity (ROE) | 8.4401% | 2,746 |
| Retained earnings to average equity (ytd only) | 8.4401% | 1,286 |
| Net charge-offs to loans | -0.0974% | 7,160 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4491% | 3,110 |
| Assets per employee ($millions) | 3.6598% | 4,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0406% | 2,258 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 46.1269% | 6,256 |
| Net loans and leases to deposits | 54.7366% | 6,248 |
| Net loans and leases to core deposits | 59.4390% | 6,142 |
| Total domestic deposits to total assets | 84.2707% | 4,229 |
| Equity capital to assets | 13.7529% | 1,178 |
| Core capital (leverage) ratio | 12.9796% | 1,175 |
| Tier 1 risk-based capital ratio | 21.5085% | 1,326 |
| Total risk-based capital ratio | 22.7595% | 1,304 |
| Memoranda: | ||
| Average total assets | $22,442,670 | 7,296 |
| Average earning assets | $21,196,330 | 7,265 |
| Average equity | $2,914,670 | 7,150 |
| Average total loans | $10,268,670 | 7,253 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0054% | 6,692 |
| Cost of funding earning assets | 0.5403% | 6,829 |
| Net interest margin | 3.4651% | 5,159 |
| Noninterest income to average assets | 1.0051% | 1,310 |
| Noninterest expense to average assets | 3.3150% | 2,513 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8993% | 2,566 |
| Return on assets (ROA) | 0.8993% | 2,626 |
| Pretax return on assets | 0.9698% | 3,251 |
| Return on Equity (ROE) | 7.1279% | 3,313 |
| Retained earnings to average equity (ytd only) | 7.1279% | 2,088 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3663% | 2,932 |
| Assets per employee ($millions) | 3.9205% | 4,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1691% | 2,030 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 39.4975% | 6,810 |
| Net loans and leases to deposits | 45.8792% | 6,858 |
| Net loans and leases to core deposits | 49.4360% | 6,807 |
| Total domestic deposits to total assets | 86.0902% | 3,475 |
| Equity capital to assets | 12.0818% | 1,868 |
| Core capital (leverage) ratio | 12.5125% | 1,318 |
| Tier 1 risk-based capital ratio | 21.1166% | 1,370 |
| Total risk-based capital ratio | 22.3687% | 1,341 |
| Memoranda: | ||
| Average total assets | $22,684,500 | 7,346 |
| Average earning assets | $21,471,000 | 7,312 |
| Average equity | $2,862,000 | 7,210 |
| Average total loans | $10,233,000 | 7,310 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3820% | 6,648 |
| Cost of funding earning assets | 0.7736% | 6,670 |
| Net interest margin | 3.6084% | 4,782 |
| Noninterest income to average assets | 0.9657% | 1,625 |
| Noninterest expense to average assets | 3.1208% | 3,380 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.1370% | 1,587 |
| Return on assets (ROA) | 1.1370% | 1,664 |
| Pretax return on assets | 1.2179% | 2,167 |
| Return on Equity (ROE) | 8.2659% | 2,596 |
| Retained earnings to average equity (ytd only) | 3.0781% | 3,699 |
| Net charge-offs to loans | 0.1457% | 5,487 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,245 |
| Efficiency ratio | 71.9298% | 3,808 |
| Assets per employee ($millions) | 3.6410% | 4,603 |
| Cash dividends to net income (ytd only)* | 62.7615% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8780% | 2,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 49.2676% | 6,246 |
| Net loans and leases to deposits | 58.0685% | 6,247 |
| Net loans and leases to core deposits | 59.0400% | 6,469 |
| Total domestic deposits to total assets | 84.8439% | 3,929 |
| Equity capital to assets | 13.1923% | 1,304 |
| Core capital (leverage) ratio | 13.3971% | 1,004 |
| Tier 1 risk-based capital ratio | 19.4477% | 1,607 |
| Total risk-based capital ratio | 20.6628% | 1,585 |
| Memoranda: | ||
| Average total assets | $21,020,000 | 7,440 |
| Average earning assets | $19,648,600 | 7,409 |
| Average equity | $2,891,400 | 7,303 |
| Average total loans | $10,978,000 | 7,349 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8444% | 5,496 |
| Cost of funding earning assets | 0.8040% | 6,748 |
| Net interest margin | 4.0405% | 2,906 |
| Noninterest income to average assets | 1.0121% | 1,435 |
| Noninterest expense to average assets | 3.5617% | 1,875 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1338% | 1,785 |
| Return on assets (ROA) | 1.1338% | 1,897 |
| Pretax return on assets | 1.2171% | 2,429 |
| Return on Equity (ROE) | 8.1552% | 2,842 |
| Retained earnings to average equity (ytd only) | 1.2441% | 5,312 |
| Net charge-offs to loans | 0.1943% | 4,786 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 11.8767% | 1,748 |
| Efficiency ratio | 74.5308% | 3,224 |
| Assets per employee ($millions) | 3.3393% | 5,359 |
| Cash dividends to net income (ytd only)* | 84.7494% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9111% | 2,448 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 52.7700% | 6,005 |
| Net loans and leases to deposits | 63.4862% | 5,971 |
| Net loans and leases to core deposits | 64.6588% | 6,243 |
| Total domestic deposits to total assets | 83.1204% | 4,538 |
| Equity capital to assets | 14.3841% | 1,055 |
| Core capital (leverage) ratio | 13.5401% | 1,047 |
| Tier 1 risk-based capital ratio | 19.8673% | 1,575 |
| Total risk-based capital ratio | 21.1221% | 1,540 |
| Memoranda: | ||
| Average total assets | $20,813,500 | 7,541 |
| Average earning assets | $19,403,250 | 7,512 |
| Average equity | $2,893,750 | 7,399 |
| Average total loans | $10,980,250 | 7,445 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7716% | 5,891 |
| Cost of funding earning assets | 0.8276% | 6,826 |
| Net interest margin | 3.9440% | 3,263 |
| Noninterest income to average assets | 0.9871% | 1,416 |
| Noninterest expense to average assets | 3.4927% | 2,044 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0820% | 1,915 |
| Return on assets (ROA) | 1.0820% | 1,988 |
| Pretax return on assets | 1.1579% | 2,556 |
| Return on Equity (ROE) | 7.8684% | 2,934 |
| Retained earnings to average equity (ytd only) | 7.8684% | 1,488 |
| Net charge-offs to loans | 0.2716% | 3,985 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 8.1333% | 2,184 |
| Efficiency ratio | 75.1020% | 3,245 |
| Assets per employee ($millions) | 3.4617% | 5,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8699% | 2,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 52.3014% | 6,178 |
| Net loans and leases to deposits | 65.6335% | 5,857 |
| Net loans and leases to core deposits | 66.8533% | 6,167 |
| Total domestic deposits to total assets | 79.6870% | 5,823 |
| Equity capital to assets | 14.2850% | 1,071 |
| Core capital (leverage) ratio | 13.7056% | 998 |
| Tier 1 risk-based capital ratio | 19.7567% | 1,551 |
| Total risk-based capital ratio | 21.0080% | 1,526 |
| Memoranda: | ||
| Average total assets | $21,072,670 | 7,597 |
| Average earning assets | $19,574,000 | 7,570 |
| Average equity | $2,897,670 | 7,449 |
| Average total loans | $11,047,330 | 7,500 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6655% | 6,357 |
| Cost of funding earning assets | 0.8483% | 6,946 |
| Net interest margin | 3.8172% | 3,717 |
| Noninterest income to average assets | 0.9423% | 1,476 |
| Noninterest expense to average assets | 3.3358% | 2,407 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0931% | 1,849 |
| Return on assets (ROA) | 1.0931% | 1,933 |
| Pretax return on assets | 1.1685% | 2,480 |
| Return on Equity (ROE) | 8.1034% | 2,834 |
| Retained earnings to average equity (ytd only) | 8.1034% | 1,665 |
| Net charge-offs to loans | 0.5437% | 2,440 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 4.1333% | 2,698 |
| Efficiency ratio | 74.0586% | 3,567 |
| Assets per employee ($millions) | 3.5760% | 4,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9828% | 2,233 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 47.6930% | 6,704 |
| Net loans and leases to deposits | 56.4985% | 6,733 |
| Net loans and leases to core deposits | 61.6446% | 6,627 |
| Total domestic deposits to total assets | 84.4146% | 3,940 |
| Equity capital to assets | 13.4648% | 1,342 |
| Core capital (leverage) ratio | 12.6769% | 1,336 |
| Tier 1 risk-based capital ratio | 19.7715% | 1,567 |
| Total risk-based capital ratio | 20.1121% | 1,712 |
| Memoranda: | ||
| Average total assets | $21,224,000 | 7,692 |
| Average earning assets | $19,805,000 | 7,658 |
| Average equity | $2,863,000 | 7,537 |
| Average total loans | $11,036,000 | 7,595 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3286% | 5,031 |
| Cost of funding earning assets | 1.1095% | 6,944 |
| Net interest margin | 4.2191% | 2,004 |
| Noninterest income to average assets | 1.8675% | 426 |
| Noninterest expense to average assets | 4.3066% | 981 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.4280% | 806 |
| Return on assets (ROA) | 1.6340% | 533 |
| Pretax return on assets | 1.7293% | 733 |
| Return on Equity (ROE) | 12.4347% | 1,065 |
| Retained earnings to average equity (ytd only) | 8.0844% | 675 |
| Net charge-offs to loans | 0.0588% | 6,506 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 45.2857% | 558 |
| Efficiency ratio | 74.0377% | 3,890 |
| Assets per employee ($millions) | 2.9989% | 6,227 |
| Cash dividends to net income (ytd only)* | 34.9854% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9085% | 2,239 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 54.3540% | 6,162 |
| Net loans and leases to deposits | 64.4524% | 6,220 |
| Net loans and leases to core deposits | 69.2060% | 6,818 |
| Total domestic deposits to total assets | 84.3321% | 3,872 |
| Equity capital to assets | 13.5147% | 1,316 |
| Core capital (leverage) ratio | 13.1015% | 1,224 |
| Tier 1 risk-based capital ratio | 19.2411% | 1,604 |
| Total risk-based capital ratio | 20.4895% | 1,572 |
| Memoranda: | ||
| Average total assets | $20,991,000 | 7,750 |
| Average earning assets | $19,648,600 | 7,720 |
| Average equity | $2,758,400 | 7,659 |
| Average total loans | $11,902,600 | 7,607 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3104% | 5,370 |
| Cost of funding earning assets | 1.1538% | 7,033 |
| Net interest margin | 4.1565% | 2,192 |
| Noninterest income to average assets | 1.8420% | 437 |
| Noninterest expense to average assets | 4.4209% | 814 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2601% | 1,318 |
| Return on assets (ROA) | 1.3974% | 1,097 |
| Pretax return on assets | 1.4800% | 1,475 |
| Return on Equity (ROE) | 10.7104% | 1,705 |
| Retained earnings to average equity (ytd only) | 10.7104% | 513 |
| Net charge-offs to loans | 0.0557% | 6,153 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 41.9775% | 723 |
| Efficiency ratio | 76.8212% | 3,356 |
| Assets per employee ($millions) | 3.0400% | 6,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7273% | 2,528 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 59.8872% | 5,602 |
| Net loans and leases to deposits | 72.8353% | 5,534 |
| Net loans and leases to core deposits | 78.2417% | 6,464 |
| Total domestic deposits to total assets | 82.2227% | 4,578 |
| Equity capital to assets | 13.5714% | 1,465 |
| Core capital (leverage) ratio | 12.9314% | 1,395 |
| Tier 1 risk-based capital ratio | 17.2591% | 2,198 |
| Total risk-based capital ratio | 18.5136% | 2,143 |
| Memoranda: | ||
| Average total assets | $20,990,750 | 7,823 |
| Average earning assets | $19,759,500 | 7,790 |
| Average equity | $2,738,750 | 7,737 |
| Average total loans | $11,970,250 | 7,678 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2973% | 5,672 |
| Cost of funding earning assets | 1.1919% | 7,127 |
| Net interest margin | 4.1054% | 2,302 |
| Noninterest income to average assets | 1.8761% | 418 |
| Noninterest expense to average assets | 4.2404% | 1,022 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4167% | 986 |
| Return on assets (ROA) | 1.4167% | 1,060 |
| Pretax return on assets | 1.4932% | 1,462 |
| Return on Equity (ROE) | 11.0078% | 1,698 |
| Retained earnings to average equity (ytd only) | 11.0078% | 562 |
| Net charge-offs to loans | 0.1719% | 4,508 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 15.6000% | 1,585 |
| Efficiency ratio | 73.9566% | 4,038 |
| Assets per employee ($millions) | 2.9914% | 6,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9133% | 1,759 |
| Loan loss allowance to noncurrent loans | 155.3191% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.6734% | 5,726 |
| Noncurrent loans to loans | 1.2319% | 4,746 |
| Net loans and leases to total assets | 53.6151% | 6,505 |
| Net loans and leases to deposits | 63.7318% | 6,587 |
| Net loans and leases to core deposits | 69.0425% | 7,076 |
| Total domestic deposits to total assets | 84.1261% | 3,696 |
| Equity capital to assets | 13.3190% | 1,549 |
| Core capital (leverage) ratio | 12.3943% | 1,654 |
| Tier 1 risk-based capital ratio | 18.4128% | 1,894 |
| Total risk-based capital ratio | 19.6695% | 1,850 |
| Memoranda: | ||
| Average total assets | $20,894,330 | 7,902 |
| Average earning assets | $19,632,670 | 7,872 |
| Average equity | $2,689,000 | 7,822 |
| Average total loans | $11,637,670 | 7,770 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4201% | 5,318 |
| Cost of funding earning assets | 1.2022% | 7,293 |
| Net interest margin | 4.2179% | 1,838 |
| Noninterest income to average assets | 1.8590% | 404 |
| Noninterest expense to average assets | 4.2546% | 890 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4949% | 946 |
| Return on assets (ROA) | 1.4949% | 1,017 |
| Pretax return on assets | 1.5715% | 1,476 |
| Return on Equity (ROE) | 11.8227% | 1,721 |
| Retained earnings to average equity (ytd only) | 11.8227% | 825 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0263% | 4,003 |
| Assets per employee ($millions) | 3.5618% | 4,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2359% | 1,039 |
| Loan loss allowance to noncurrent loans | 162.4113% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.6598% | 5,516 |
| Noncurrent loans to loans | 1.3767% | 4,252 |
| Net loans and leases to total assets | 46.8532% | 7,118 |
| Net loans and leases to deposits | 55.0982% | 7,214 |
| Net loans and leases to core deposits | 59.9473% | 7,458 |
| Total domestic deposits to total assets | 85.0358% | 3,183 |
| Equity capital to assets | 12.6480% | 1,908 |
| Core capital (leverage) ratio | 12.1101% | 1,851 |
| Tier 1 risk-based capital ratio | 19.2643% | 1,761 |
| Total risk-based capital ratio | 20.5178% | 1,719 |
| Memoranda: | ||
| Average total assets | $20,871,500 | 7,955 |
| Average earning assets | $19,630,500 | 7,916 |
| Average equity | $2,639,000 | 7,889 |
| Average total loans | $11,733,500 | 7,815 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5524% | 2,705 |
| Cost of funding earning assets | 1.9272% | 6,651 |
| Net interest margin | 4.6252% | 1,109 |
| Noninterest income to average assets | 1.6860% | 481 |
| Noninterest expense to average assets | 3.8111% | 1,733 |
| Loan and lease loss provision to assets | 0.7572% | 1,974 |
| Net operating income to assets | 1.3427% | 1,366 |
| Return on assets (ROA) | 1.3427% | 1,316 |
| Pretax return on assets | 1.4184% | 1,912 |
| Return on Equity (ROE) | 10.5246% | 2,080 |
| Retained earnings to average equity (ytd only) | 1.2266% | 4,488 |
| Net charge-offs to loans | 0.8832% | 1,401 |
| Credit loss provision to net charge-offs | 136.3636% | 3,907 |
| Earnings coverage of net charge-offs (x) | 3.9182% | 4,181 |
| Efficiency ratio | 63.6594% | 5,630 |
| Assets per employee ($millions) | 2.9103% | 6,266 |
| Cash dividends to net income (ytd only)* | 88.3459% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7316% | 1,818 |
| Loan loss allowance to noncurrent loans | 162.4113% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.6921% | 5,148 |
| Noncurrent loans to loans | 1.0662% | 4,441 |
| Net loans and leases to total assets | 63.7934% | 5,314 |
| Net loans and leases to deposits | 75.2040% | 5,702 |
| Net loans and leases to core deposits | 82.0765% | 6,459 |
| Total domestic deposits to total assets | 84.8272% | 2,923 |
| Equity capital to assets | 12.6399% | 1,948 |
| Core capital (leverage) ratio | 12.4900% | 1,756 |
| Tier 1 risk-based capital ratio | 15.8823% | 2,713 |
| Total risk-based capital ratio | 17.1318% | 2,651 |
| Memoranda: | ||
| Average total assets | $19,810,600 | 8,023 |
| Average earning assets | $18,420,800 | 7,993 |
| Average equity | $2,527,400 | 7,972 |
| Average total loans | $12,455,400 | 7,807 |