Home > Collins State Bank > Performance and Condition Ratios
Collins 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 | 5.0832% | 1,894 |
| Cost of funding earning assets | 1.4446% | 2,093 |
| Net interest margin | 3.6385% | 1,882 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.8749% | 1,323 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.7076% | 3,177 |
| Return on assets (ROA) | 0.7076% | 3,148 |
| Pretax return on assets | 0.8708% | 3,041 |
| Return on Equity (ROE) | 7.4600% | 3,169 |
| Retained earnings to average equity (ytd only) | 7.4627% | 1,726 |
| Net charge-offs to loans | 0.0034% | 2,640 |
| Credit loss provision to net charge-offs | 1,966.6667% | 231 |
| Earnings coverage of net charge-offs (x) | 339.1667% | 396 |
| Efficiency ratio | 75.0184% | 1,349 |
| Assets per employee ($millions) | 5.9448% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6470% | 4,190 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 3,239 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 81.9100% | 442 |
| Net loans and leases to deposits | 96.9975% | 713 |
| Net loans and leases to core deposits | 103.5258% | 1,245 |
| Total domestic deposits to total assets | 84.4500% | 2,485 |
| Equity capital to assets | 9.2934% | 2,488 |
| Core capital (leverage) ratio | 8.1538% | 4,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3122% | 2,881 |
| Memoranda: | ||
| Average total assets | $212,560,400 | 2,894 |
| Average earning assets | $198,046,400 | 2,887 |
| Average equity | $20,153,600 | 2,840 |
| Average total loans | $174,036,400 | 2,498 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9738% | 1,885 |
| Cost of funding earning assets | 1.3064% | 2,131 |
| Net interest margin | 3.6674% | 1,847 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.9231% | 1,186 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.7105% | 3,296 |
| Return on assets (ROA) | 0.7105% | 3,281 |
| Pretax return on assets | 0.8673% | 3,183 |
| Return on Equity (ROE) | 7.4500% | 3,324 |
| Retained earnings to average equity (ytd only) | 7.4542% | 2,159 |
| Net charge-offs to loans | 0.0047% | 2,308 |
| Credit loss provision to net charge-offs | 2,950.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 256.3333% | 505 |
| Efficiency ratio | 74.8898% | 1,280 |
| Assets per employee ($millions) | 5.8213% | 2,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6989% | 4,140 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 3,165 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 83.3800% | 338 |
| Net loans and leases to deposits | 100.4677% | 490 |
| Net loans and leases to core deposits | 107.4487% | 957 |
| Total domestic deposits to total assets | 82.9900% | 3,020 |
| Equity capital to assets | 9.3896% | 2,169 |
| Core capital (leverage) ratio | 8.2264% | 4,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3907% | 2,891 |
| Memoranda: | ||
| Average total assets | $209,225,000 | 2,926 |
| Average earning assets | $194,831,000 | 2,920 |
| Average equity | $19,943,500 | 2,851 |
| Average total loans | $170,983,250 | 2,523 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8242% | 1,939 |
| Cost of funding earning assets | 1.1452% | 2,144 |
| Net interest margin | 3.6790% | 1,853 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.8662% | 1,291 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.6903% | 3,363 |
| Return on assets (ROA) | 0.6903% | 3,363 |
| Pretax return on assets | 0.9326% | 3,091 |
| Return on Equity (ROE) | 7.2000% | 3,442 |
| Retained earnings to average equity (ytd only) | 7.2040% | 2,225 |
| Net charge-offs to loans | 0.0072% | 1,966 |
| Credit loss provision to net charge-offs | 2,433.3333% | 224 |
| Earnings coverage of net charge-offs (x) | 185.3333% | 651 |
| Efficiency ratio | 72.7518% | 1,483 |
| Assets per employee ($millions) | 5.5270% | 3,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7036% | 4,175 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0686% | 3,082 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 82.8500% | 342 |
| Net loans and leases to deposits | 102.3325% | 418 |
| Net loans and leases to core deposits | 108.6664% | 882 |
| Total domestic deposits to total assets | 80.9600% | 3,435 |
| Equity capital to assets | 9.5802% | 2,106 |
| Core capital (leverage) ratio | 8.2500% | 4,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4463% | 2,911 |
| Memoranda: | ||
| Average total assets | $207,171,000 | 2,952 |
| Average earning assets | $192,985,000 | 2,944 |
| Average equity | $19,850,000 | 2,880 |
| Average total loans | $167,692,000 | 2,539 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6071% | 2,071 |
| Cost of funding earning assets | 0.9481% | 2,227 |
| Net interest margin | 3.6590% | 1,999 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.8152% | 1,400 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 0.6474% | 3,590 |
| Return on assets (ROA) | 0.6474% | 3,550 |
| Pretax return on assets | 0.8729% | 3,305 |
| Return on Equity (ROE) | 6.7600% | 3,573 |
| Retained earnings to average equity (ytd only) | 6.7564% | 2,565 |
| Net charge-offs to loans | 0.0146% | 1,408 |
| Credit loss provision to net charge-offs | 1,766.6667% | 224 |
| Earnings coverage of net charge-offs (x) | 92.5000% | 826 |
| Efficiency ratio | 72.2916% | 1,515 |
| Assets per employee ($millions) | 5.8739% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7061% | 4,240 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 3,138 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 77.1900% | 858 |
| Net loans and leases to deposits | 95.2203% | 703 |
| Net loans and leases to core deposits | 100.3505% | 1,074 |
| Total domestic deposits to total assets | 81.0600% | 3,628 |
| Equity capital to assets | 9.1757% | 2,387 |
| Core capital (leverage) ratio | 8.3980% | 4,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4378% | 3,001 |
| Memoranda: | ||
| Average total assets | $205,743,500 | 2,992 |
| Average earning assets | $191,963,500 | 2,984 |
| Average equity | $19,714,500 | 2,917 |
| Average total loans | $163,921,000 | 2,595 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0909% | 1,497 |
| Cost of funding earning assets | 0.3883% | 2,190 |
| Net interest margin | 3.7026% | 1,370 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 3.1665% | 761 |
| Loan and lease loss provision to assets | 0.3200% | 245 |
| Net operating income to assets | 0.5748% | 3,935 |
| Return on assets (ROA) | 0.5748% | 3,901 |
| Pretax return on assets | 0.7806% | 3,669 |
| Return on Equity (ROE) | 5.3900% | 3,951 |
| Retained earnings to average equity (ytd only) | 5.3873% | 2,878 |
| Net charge-offs to loans | -0.0014% | 3,393 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.2907% | 1,191 |
| Assets per employee ($millions) | 5.7104% | 3,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4991% | 4,430 |
| Loan loss allowance to noncurrent loans | 15,860.0000% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 3,023 |
| Noncurrent loans to loans | 0.0031% | 3,861 |
| Net loans and leases to total assets | 81.4300% | 460 |
| Net loans and leases to deposits | 96.4300% | 615 |
| Net loans and leases to core deposits | 100.4090% | 979 |
| Total domestic deposits to total assets | 84.4400% | 3,117 |
| Equity capital to assets | 10.0370% | 1,690 |
| Core capital (leverage) ratio | 8.6398% | 4,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0340% | 2,967 |
| Memoranda: | ||
| Average total assets | $174,485,000 | 3,239 |
| Average earning assets | $163,263,200 | 3,218 |
| Average equity | $18,617,800 | 3,068 |
| Average total loans | $139,518,000 | 2,731 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8965% | 1,489 |
| Cost of funding earning assets | 0.2922% | 2,254 |
| Net interest margin | 3.6042% | 1,380 |
| Noninterest income to average assets | 0.9100% | 806 |
| Noninterest expense to average assets | 3.2293% | 657 |
| Loan and lease loss provision to assets | 0.3800% | 152 |
| Net operating income to assets | 0.4954% | 4,086 |
| Return on assets (ROA) | 0.4954% | 4,036 |
| Pretax return on assets | 0.6778% | 3,836 |
| Return on Equity (ROE) | 4.5600% | 4,067 |
| Retained earnings to average equity (ytd only) | 4.5650% | 3,255 |
| Net charge-offs to loans | -0.0020% | 3,265 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.3163% | 1,139 |
| Assets per employee ($millions) | 5.3593% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4653% | 4,507 |
| Loan loss allowance to noncurrent loans | 491.2162% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 3,116 |
| Noncurrent loans to loans | 0.0947% | 3,202 |
| Net loans and leases to total assets | 82.9100% | 324 |
| Net loans and leases to deposits | 105.7449% | 195 |
| Net loans and leases to core deposits | 110.4209% | 456 |
| Total domestic deposits to total assets | 78.4100% | 4,227 |
| Equity capital to assets | 10.1469% | 1,544 |
| Core capital (leverage) ratio | 8.8640% | 3,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7475% | 3,080 |
| Memoranda: | ||
| Average total assets | $169,568,250 | 3,298 |
| Average earning assets | $158,772,000 | 3,281 |
| Average equity | $18,400,500 | 3,121 |
| Average total loans | $134,675,250 | 2,784 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7320% | 1,465 |
| Cost of funding earning assets | 0.2197% | 2,645 |
| Net interest margin | 3.5123% | 1,288 |
| Noninterest income to average assets | 1.0968% | 554 |
| Noninterest expense to average assets | 3.3956% | 481 |
| Loan and lease loss provision to assets | 0.3680% | 159 |
| Net operating income to assets | 0.4487% | 4,005 |
| Return on assets (ROA) | 0.4487% | 3,958 |
| Pretax return on assets | 0.6175% | 3,779 |
| Return on Equity (ROE) | 4.0353% | 4,027 |
| Retained earnings to average equity (ytd only) | 4.0353% | 3,069 |
| Net charge-offs to loans | -0.0031% | 3,217 |
| Credit loss provision to net charge-offs | -15,050.0000% | 3,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5049% | 1,129 |
| Assets per employee ($millions) | 4.8563% | 3,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3828% | 4,624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 80.9816% | 344 |
| Net loans and leases to deposits | 100.9829% | 242 |
| Net loans and leases to core deposits | 107.0170% | 418 |
| Total domestic deposits to total assets | 80.1933% | 4,208 |
| Equity capital to assets | 10.2914% | 1,539 |
| Core capital (leverage) ratio | 8.8757% | 3,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9826% | 3,016 |
| Memoranda: | ||
| Average total assets | $163,566,333 | 3,378 |
| Average earning assets | $152,946,333 | 3,366 |
| Average equity | $18,189,667 | 3,218 |
| Average total loans | $127,485,000 | 2,871 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5864% | 1,544 |
| Cost of funding earning assets | 0.2032% | 2,755 |
| Net interest margin | 3.3832% | 1,340 |
| Noninterest income to average assets | 0.7294% | 1,221 |
| Noninterest expense to average assets | 2.9885% | 833 |
| Loan and lease loss provision to assets | 0.2279% | 305 |
| Net operating income to assets | 0.4939% | 3,732 |
| Return on assets (ROA) | 0.4939% | 3,696 |
| Pretax return on assets | 0.6762% | 3,456 |
| Return on Equity (ROE) | 4.2650% | 3,807 |
| Retained earnings to average equity (ytd only) | 4.2650% | 2,847 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7729% | 1,438 |
| Assets per employee ($millions) | 4.4977% | 4,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2660% | 4,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 78.5961% | 333 |
| Net loans and leases to deposits | 96.1800% | 275 |
| Net loans and leases to core deposits | 99.5406% | 531 |
| Total domestic deposits to total assets | 81.7177% | 4,111 |
| Equity capital to assets | 11.5462% | 1,111 |
| Core capital (leverage) ratio | 9.4965% | 2,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2489% | 2,838 |
| Memoranda: | ||
| Average total assets | $157,937,000 | 3,438 |
| Average earning assets | $147,671,000 | 3,430 |
| Average equity | $18,288,500 | 3,301 |
| Average total loans | $120,167,500 | 2,943 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1975% | 4,775 |
| Cost of funding earning assets | 0.0633% | 4,624 |
| Net interest margin | 1.1342% | 4,769 |
| Noninterest income to average assets | 0.3617% | 3,264 |
| Noninterest expense to average assets | 1.0212% | 4,757 |
| Loan and lease loss provision to assets | 0.1835% | 620 |
| Net operating income to assets | 0.1614% | 4,568 |
| Return on assets (ROA) | 0.1614% | 4,582 |
| Pretax return on assets | 0.2216% | 4,558 |
| Return on Equity (ROE) | 1.5325% | 4,555 |
| Retained earnings to average equity (ytd only) | 1.5325% | 4,112 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5964% | 1,557 |
| Assets per employee ($millions) | 4.6604% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2073% | 4,754 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 73.2313% | 730 |
| Net loans and leases to deposits | 89.6046% | 578 |
| Net loans and leases to core deposits | 92.3465% | 858 |
| Total domestic deposits to total assets | 81.7272% | 4,005 |
| Equity capital to assets | 11.6128% | 1,450 |
| Core capital (leverage) ratio | 9.6856% | 2,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4230% | 2,793 |
| Memoranda: | ||
| Average total assets | $131,313,600 | 3,664 |
| Average earning assets | $123,259,400 | 3,649 |
| Average equity | $13,833,400 | 3,757 |
| Average total loans | $92,038,400 | 3,308 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2485% | 4,901 |
| Cost of funding earning assets | 0.0125% | 4,872 |
| Net interest margin | 0.2360% | 4,899 |
| Noninterest income to average assets | 0.0760% | 4,738 |
| Noninterest expense to average assets | 0.1638% | 4,909 |
| Loan and lease loss provision to assets | 0.0442% | 2,112 |
| Net operating income to assets | 0.0653% | 4,716 |
| Return on assets (ROA) | 0.0653% | 4,731 |
| Pretax return on assets | 0.0899% | 4,719 |
| Return on Equity (ROE) | 0.6408% | 4,718 |
| Retained earnings to average equity (ytd only) | 0.6408% | 4,475 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0360% | 3,652 |
| Assets per employee ($millions) | 4.8391% | 3,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0406% | 4,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 69.5088% | 1,127 |
| Net loans and leases to deposits | 83.2561% | 1,011 |
| Net loans and leases to core deposits | 85.7872% | 1,308 |
| Total domestic deposits to total assets | 83.4880% | 3,583 |
| Equity capital to assets | 12.6518% | 1,108 |
| Core capital (leverage) ratio | 11.3541% | 1,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4087% | 2,201 |
| Memoranda: | ||
| Average total assets | $124,528,500 | 3,791 |
| Average earning assets | $116,961,000 | 3,766 |
| Average equity | $12,691,500 | 3,912 |
| Average total loans | $85,978,250 | 3,438 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7296% | 2,257 |
| Cost of funding earning assets | 0.2802% | 2,977 |
| Net interest margin | 3.4494% | 2,010 |
| Noninterest income to average assets | 2.4327% | 258 |
| Noninterest expense to average assets | 2.5874% | 1,894 |
| Loan and lease loss provision to assets | 0.0051% | 2,788 |
| Net operating income to assets | 3.0838% | 116 |
| Return on assets (ROA) | 3.1671% | 109 |
| Pretax return on assets | 3.1671% | 155 |
| Return on Equity (ROE) | 34.5011% | 67 |
| Retained earnings to average equity (ytd only) | 28.9453% | 41 |
| Net charge-offs to loans | -0.0025% | 3,239 |
| Credit loss provision to net charge-offs | -300.0000% | 3,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5825% | 4,536 |
| Assets per employee ($millions) | 4.6886% | 3,942 |
| Cash dividends to net income (ytd only)* | 16.1031% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 3,366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 67.4247% | 1,524 |
| Net loans and leases to deposits | 78.0660% | 1,620 |
| Net loans and leases to core deposits | 80.6088% | 1,837 |
| Total domestic deposits to total assets | 86.3689% | 2,602 |
| Equity capital to assets | 9.0250% | 3,770 |
| Core capital (leverage) ratio | 9.1269% | 3,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8754% | 2,413 |
| Memoranda: | ||
| Average total assets | $117,647,000 | 3,886 |
| Average earning assets | $110,627,333 | 3,866 |
| Average equity | $10,799,667 | 4,125 |
| Average total loans | $80,988,000 | 3,530 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8314% | 2,007 |
| Cost of funding earning assets | 0.2532% | 3,447 |
| Net interest margin | 3.5783% | 1,640 |
| Noninterest income to average assets | 2.5129% | 263 |
| Noninterest expense to average assets | 2.2973% | 2,803 |
| Loan and lease loss provision to assets | 0.0106% | 2,634 |
| Net operating income to assets | 3.5521% | 106 |
| Return on assets (ROA) | 3.7288% | 98 |
| Pretax return on assets | 3.7288% | 120 |
| Return on Equity (ROE) | 40.2403% | 68 |
| Retained earnings to average equity (ytd only) | 40.2403% | 36 |
| Net charge-offs to loans | -0.0051% | 3,402 |
| Credit loss provision to net charge-offs | -300.0000% | 3,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2039% | 4,768 |
| Assets per employee ($millions) | 4.5732% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 2,822 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 68.0233% | 1,530 |
| Net loans and leases to deposits | 75.7751% | 1,935 |
| Net loans and leases to core deposits | 77.9425% | 2,190 |
| Total domestic deposits to total assets | 89.7700% | 922 |
| Equity capital to assets | 9.5356% | 3,161 |
| Core capital (leverage) ratio | 9.5965% | 2,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7019% | 2,005 |
| Memoranda: | ||
| Average total assets | $113,174,000 | 3,940 |
| Average earning assets | $105,861,500 | 3,921 |
| Average equity | $10,487,000 | 4,165 |
| Average total loans | $78,324,500 | 3,596 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2686% | 1,957 |
| Cost of funding earning assets | 0.5217% | 2,803 |
| Net interest margin | 3.7469% | 1,647 |
| Noninterest income to average assets | 2.2969% | 276 |
| Noninterest expense to average assets | 3.9164% | 409 |
| Loan and lease loss provision to assets | 0.0745% | 3,448 |
| Net operating income to assets | 1.7991% | 392 |
| Return on assets (ROA) | 1.7991% | 420 |
| Pretax return on assets | 1.7991% | 686 |
| Return on Equity (ROE) | 19.9011% | 234 |
| Retained earnings to average equity (ytd only) | 11.9745% | 315 |
| Net charge-offs to loans | -0.0424% | 4,637 |
| Credit loss provision to net charge-offs | -251.6129% | 3,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6403% | 2,277 |
| Assets per employee ($millions) | 4.4807% | 3,932 |
| Cash dividends to net income (ytd only)* | 39.8301% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 2,801 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 68.7041% | 1,736 |
| Net loans and leases to deposits | 76.3184% | 2,249 |
| Net loans and leases to core deposits | 78.4372% | 2,522 |
| Total domestic deposits to total assets | 90.0230% | 559 |
| Equity capital to assets | 8.9914% | 4,061 |
| Core capital (leverage) ratio | 8.2438% | 4,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,661,200 | 3,936 |
| Average earning assets | $97,574,000 | 3,918 |
| Average equity | $9,461,800 | 4,257 |
| Average total loans | $73,042,200 | 3,670 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3402% | 1,992 |
| Cost of funding earning assets | 0.5465% | 2,956 |
| Net interest margin | 3.7937% | 1,634 |
| Noninterest income to average assets | 2.1331% | 304 |
| Noninterest expense to average assets | 3.4817% | 724 |
| Loan and lease loss provision to assets | 0.0895% | 3,197 |
| Net operating income to assets | 2.1084% | 240 |
| Return on assets (ROA) | 2.1084% | 253 |
| Pretax return on assets | 2.1084% | 405 |
| Return on Equity (ROE) | 23.2881% | 144 |
| Retained earnings to average equity (ytd only) | 19.7075% | 82 |
| Net charge-offs to loans | -0.0520% | 4,686 |
| Credit loss provision to net charge-offs | -246.4286% | 3,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3014% | 3,178 |
| Assets per employee ($millions) | 4.5196% | 3,825 |
| Cash dividends to net income (ytd only)* | 15.3752% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 2,244 |
| Loan loss allowance to noncurrent loans | 5,906.2500% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 4,421 |
| Noncurrent loans to loans | 0.0217% | 4,326 |
| Net loans and leases to total assets | 64.4806% | 2,706 |
| Net loans and leases to deposits | 77.7338% | 2,558 |
| Net loans and leases to core deposits | 80.6081% | 2,792 |
| Total domestic deposits to total assets | 82.9506% | 3,153 |
| Equity capital to assets | 9.1469% | 4,001 |
| Core capital (leverage) ratio | 8.8487% | 3,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6166% | 2,357 |
| Memoranda: | ||
| Average total assets | $102,822,000 | 3,957 |
| Average earning assets | $96,122,250 | 3,934 |
| Average equity | $9,309,250 | 4,288 |
| Average total loans | $71,823,250 | 3,714 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4835% | 1,966 |
| Cost of funding earning assets | 0.6030% | 2,946 |
| Net interest margin | 3.8805% | 1,617 |
| Noninterest income to average assets | 1.8585% | 321 |
| Noninterest expense to average assets | 3.5260% | 730 |
| Loan and lease loss provision to assets | 0.1207% | 2,819 |
| Net operating income to assets | 1.8364% | 467 |
| Return on assets (ROA) | 1.8364% | 512 |
| Pretax return on assets | 1.8364% | 759 |
| Return on Equity (ROE) | 20.3628% | 230 |
| Retained earnings to average equity (ytd only) | 20.3628% | 86 |
| Net charge-offs to loans | -0.0590% | 4,725 |
| Credit loss provision to net charge-offs | -285.7143% | 3,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3067% | 2,781 |
| Assets per employee ($millions) | 4.4497% | 3,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2759% | 2,123 |
| Loan loss allowance to noncurrent loans | 5,806.2500% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 4,221 |
| Noncurrent loans to loans | 0.0220% | 4,397 |
| Net loans and leases to total assets | 67.3131% | 2,453 |
| Net loans and leases to deposits | 81.4626% | 2,263 |
| Net loans and leases to core deposits | 84.8071% | 2,541 |
| Total domestic deposits to total assets | 82.6307% | 3,198 |
| Equity capital to assets | 9.1767% | 3,946 |
| Core capital (leverage) ratio | 9.1732% | 3,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2655% | 2,496 |
| Memoranda: | ||
| Average total assets | $99,433,000 | 4,002 |
| Average earning assets | $92,874,000 | 3,986 |
| Average equity | $8,967,333 | 4,341 |
| Average total loans | $71,164,000 | 3,729 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6818% | 1,767 |
| Cost of funding earning assets | 0.6753% | 3,031 |
| Net interest margin | 4.0066% | 1,375 |
| Noninterest income to average assets | 0.7185% | 1,574 |
| Noninterest expense to average assets | 3.6302% | 783 |
| Loan and lease loss provision to assets | 0.0460% | 3,202 |
| Net operating income to assets | 0.7603% | 3,054 |
| Return on assets (ROA) | 0.7603% | 3,134 |
| Pretax return on assets | 0.7603% | 3,520 |
| Return on Equity (ROE) | 8.5136% | 2,307 |
| Retained earnings to average equity (ytd only) | 8.5136% | 1,098 |
| Net charge-offs to loans | -0.1194% | 4,852 |
| Credit loss provision to net charge-offs | -52.3810% | 3,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8267% | 985 |
| Assets per employee ($millions) | 4.0493% | 3,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 2,425 |
| Loan loss allowance to noncurrent loans | 5,176.4706% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 4,241 |
| Noncurrent loans to loans | 0.0240% | 4,475 |
| Net loans and leases to total assets | 74.9568% | 1,463 |
| Net loans and leases to deposits | 90.1695% | 1,489 |
| Net loans and leases to core deposits | 95.6800% | 1,823 |
| Total domestic deposits to total assets | 83.1288% | 3,070 |
| Equity capital to assets | 9.1405% | 4,513 |
| Core capital (leverage) ratio | 8.9845% | 4,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7130% | 2,385 |
| Memoranda: | ||
| Average total assets | $95,753,500 | 4,049 |
| Average earning assets | $88,854,500 | 4,040 |
| Average equity | $8,551,000 | 4,418 |
| Average total loans | $70,339,000 | 3,756 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7712% | 2,134 |
| Cost of funding earning assets | 0.6365% | 3,475 |
| Net interest margin | 4.1347% | 1,464 |
| Noninterest income to average assets | 0.8666% | 1,255 |
| Noninterest expense to average assets | 3.2124% | 1,494 |
| Loan and lease loss provision to assets | 0.1621% | 1,286 |
| Net operating income to assets | 1.3874% | 1,382 |
| Return on assets (ROA) | 1.3874% | 1,462 |
| Pretax return on assets | 1.3874% | 2,210 |
| Return on Equity (ROE) | 15.7403% | 569 |
| Retained earnings to average equity (ytd only) | 9.6109% | 568 |
| Net charge-offs to loans | 0.2147% | 955 |
| Credit loss provision to net charge-offs | 102.0408% | 2,430 |
| Earnings coverage of net charge-offs (x) | 9.7551% | 2,634 |
| Efficiency ratio | 67.3247% | 2,558 |
| Assets per employee ($millions) | 3.7835% | 4,165 |
| Cash dividends to net income (ytd only)* | 38.9408% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2117% | 2,366 |
| Loan loss allowance to noncurrent loans | 4,988.2353% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 4,286 |
| Noncurrent loans to loans | 0.0243% | 4,467 |
| Net loans and leases to total assets | 70.2832% | 2,351 |
| Net loans and leases to deposits | 84.5965% | 2,266 |
| Net loans and leases to core deposits | 89.1725% | 2,497 |
| Total domestic deposits to total assets | 83.0806% | 3,164 |
| Equity capital to assets | 8.7311% | 4,812 |
| Core capital (leverage) ratio | 8.7760% | 4,680 |
| Tier 1 risk-based capital ratio | 11.7473% | 4,500 |
| Total risk-based capital ratio | 12.9393% | 4,415 |
| Memoranda: | ||
| Average total assets | $92,546,400 | 4,105 |
| Average earning assets | $87,189,400 | 4,079 |
| Average equity | $8,157,400 | 4,488 |
| Average total loans | $68,473,800 | 3,804 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7601% | 2,245 |
| Cost of funding earning assets | 0.6033% | 3,686 |
| Net interest margin | 4.1568% | 1,479 |
| Noninterest income to average assets | 0.7626% | 1,548 |
| Noninterest expense to average assets | 3.2275% | 1,414 |
| Loan and lease loss provision to assets | 0.0659% | 2,568 |
| Net operating income to assets | 1.4125% | 1,426 |
| Return on assets (ROA) | 1.4125% | 1,492 |
| Pretax return on assets | 1.4125% | 2,259 |
| Return on Equity (ROE) | 15.9840% | 607 |
| Retained earnings to average equity (ytd only) | 11.0148% | 526 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3981% | 2,360 |
| Assets per employee ($millions) | 3.5963% | 4,397 |
| Cash dividends to net income (ytd only)* | 31.0882% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 2,198 |
| Loan loss allowance to noncurrent loans | 1,048.2353% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 4,263 |
| Noncurrent loans to loans | 0.1199% | 4,115 |
| Net loans and leases to total assets | 74.8767% | 1,670 |
| Net loans and leases to deposits | 91.8202% | 1,458 |
| Net loans and leases to core deposits | 96.8033% | 1,933 |
| Total domestic deposits to total assets | 81.5471% | 3,603 |
| Equity capital to assets | 9.1227% | 4,717 |
| Core capital (leverage) ratio | 8.9979% | 4,639 |
| Tier 1 risk-based capital ratio | 11.7855% | 4,530 |
| Total risk-based capital ratio | 13.0346% | 4,420 |
| Memoranda: | ||
| Average total assets | $91,090,000 | 4,177 |
| Average earning assets | $86,410,250 | 4,140 |
| Average equity | $8,049,500 | 4,550 |
| Average total loans | $68,095,500 | 3,851 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7232% | 2,293 |
| Cost of funding earning assets | 0.5743% | 3,774 |
| Net interest margin | 4.1489% | 1,491 |
| Noninterest income to average assets | 0.6535% | 1,902 |
| Noninterest expense to average assets | 3.0880% | 1,765 |
| Loan and lease loss provision to assets | 0.0665% | 2,486 |
| Net operating income to assets | 1.4199% | 1,376 |
| Return on assets (ROA) | 1.4199% | 1,429 |
| Pretax return on assets | 1.4199% | 2,143 |
| Return on Equity (ROE) | 16.2498% | 554 |
| Retained earnings to average equity (ytd only) | 12.4472% | 357 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2155% | 2,654 |
| Assets per employee ($millions) | 3.4701% | 4,532 |
| Cash dividends to net income (ytd only)* | 23.4009% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 2,265 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 76.8030% | 1,418 |
| Net loans and leases to deposits | 92.8152% | 1,399 |
| Net loans and leases to core deposits | 97.3887% | 1,941 |
| Total domestic deposits to total assets | 82.7483% | 3,290 |
| Equity capital to assets | 9.1806% | 4,671 |
| Core capital (leverage) ratio | 9.1053% | 4,543 |
| Tier 1 risk-based capital ratio | 11.8366% | 4,507 |
| Total risk-based capital ratio | 13.0859% | 4,394 |
| Memoranda: | ||
| Average total assets | $90,285,670 | 4,220 |
| Average earning assets | $85,323,330 | 4,189 |
| Average equity | $7,889,330 | 4,596 |
| Average total loans | $67,159,670 | 3,902 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6189% | 2,470 |
| Cost of funding earning assets | 0.5733% | 3,711 |
| Net interest margin | 4.0457% | 1,699 |
| Noninterest income to average assets | 0.6688% | 1,733 |
| Noninterest expense to average assets | 2.7857% | 2,620 |
| Loan and lease loss provision to assets | 0.0664% | 2,339 |
| Net operating income to assets | 1.6298% | 838 |
| Return on assets (ROA) | 1.6298% | 869 |
| Pretax return on assets | 1.6298% | 1,391 |
| Return on Equity (ROE) | 19.1355% | 319 |
| Retained earnings to average equity (ytd only) | 19.1355% | 121 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8577% | 3,555 |
| Assets per employee ($millions) | 3.4203% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 2,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 73.5078% | 1,898 |
| Net loans and leases to deposits | 87.3333% | 1,956 |
| Net loans and leases to core deposits | 91.8775% | 2,310 |
| Total domestic deposits to total assets | 84.1692% | 2,984 |
| Equity capital to assets | 8.9691% | 4,703 |
| Core capital (leverage) ratio | 9.0170% | 4,642 |
| Tier 1 risk-based capital ratio | 12.0693% | 4,420 |
| Total risk-based capital ratio | 13.3191% | 4,311 |
| Memoranda: | ||
| Average total assets | $90,317,000 | 4,261 |
| Average earning assets | $85,128,000 | 4,240 |
| Average equity | $7,692,500 | 4,659 |
| Average total loans | $65,654,500 | 3,972 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5836% | 2,178 |
| Cost of funding earning assets | 0.4328% | 3,784 |
| Net interest margin | 4.1508% | 1,528 |
| Noninterest income to average assets | 1.0771% | 801 |
| Noninterest expense to average assets | 3.6565% | 814 |
| Loan and lease loss provision to assets | 0.0499% | 3,188 |
| Net operating income to assets | 1.3004% | 1,801 |
| Return on assets (ROA) | 1.3004% | 1,787 |
| Pretax return on assets | 1.3004% | 2,498 |
| Return on Equity (ROE) | 15.0718% | 814 |
| Retained earnings to average equity (ytd only) | 10.2544% | 582 |
| Net charge-offs to loans | -0.0147% | 4,603 |
| Credit loss provision to net charge-offs | -466.6667% | 4,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7467% | 1,801 |
| Assets per employee ($millions) | 3.5272% | 4,519 |
| Cash dividends to net income (ytd only)* | 31.9635% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 2,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 70.0423% | 2,556 |
| Net loans and leases to deposits | 82.0775% | 2,719 |
| Net loans and leases to core deposits | 86.8800% | 2,849 |
| Total domestic deposits to total assets | 85.3368% | 2,493 |
| Equity capital to assets | 8.0791% | 5,132 |
| Core capital (leverage) ratio | 8.7283% | 4,858 |
| Tier 1 risk-based capital ratio | 11.5142% | 4,721 |
| Total risk-based capital ratio | 12.7637% | 4,621 |
| Memoranda: | ||
| Average total assets | $84,206,800 | 4,355 |
| Average earning assets | $79,718,800 | 4,318 |
| Average equity | $7,265,200 | 4,713 |
| Average total loans | $61,194,400 | 4,064 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5806% | 2,035 |
| Cost of funding earning assets | 0.3955% | 3,896 |
| Net interest margin | 4.1851% | 1,398 |
| Noninterest income to average assets | 1.2615% | 604 |
| Noninterest expense to average assets | 3.4882% | 994 |
| Loan and lease loss provision to assets | 0.0518% | 2,950 |
| Net operating income to assets | 1.6972% | 748 |
| Return on assets (ROA) | 1.6972% | 749 |
| Pretax return on assets | 1.6972% | 1,281 |
| Return on Equity (ROE) | 19.3284% | 314 |
| Retained earnings to average equity (ytd only) | 19.3284% | 63 |
| Net charge-offs to loans | -0.0199% | 4,619 |
| Credit loss provision to net charge-offs | -355.5556% | 4,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3265% | 2,810 |
| Assets per employee ($millions) | 3.3212% | 4,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 2,019 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 75.3544% | 1,757 |
| Net loans and leases to deposits | 91.4734% | 1,695 |
| Net loans and leases to core deposits | 94.2685% | 2,258 |
| Total domestic deposits to total assets | 82.3784% | 3,495 |
| Equity capital to assets | 9.0968% | 4,461 |
| Core capital (leverage) ratio | 9.5065% | 4,168 |
| Tier 1 risk-based capital ratio | 12.6100% | 4,152 |
| Total risk-based capital ratio | 13.8603% | 4,037 |
| Memoranda: | ||
| Average total assets | $82,332,000 | 4,436 |
| Average earning assets | $78,211,250 | 4,389 |
| Average equity | $7,229,250 | 4,766 |
| Average total loans | $60,223,250 | 4,130 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4748% | 2,167 |
| Cost of funding earning assets | 0.3641% | 3,984 |
| Net interest margin | 4.1106% | 1,524 |
| Noninterest income to average assets | 1.4446% | 457 |
| Noninterest expense to average assets | 3.4227% | 1,111 |
| Loan and lease loss provision to assets | 0.0512% | 2,893 |
| Net operating income to assets | 1.8758% | 497 |
| Return on assets (ROA) | 1.8758% | 491 |
| Pretax return on assets | 1.8758% | 824 |
| Return on Equity (ROE) | 21.6252% | 176 |
| Retained earnings to average equity (ytd only) | 21.6252% | 52 |
| Net charge-offs to loans | -0.0101% | 4,323 |
| Credit loss provision to net charge-offs | -700.0000% | 4,430 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7067% | 3,359 |
| Assets per employee ($millions) | 3.4750% | 4,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 2,037 |
| Loan loss allowance to noncurrent loans | 1,669.3878% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 4,726 |
| Noncurrent loans to loans | 0.0796% | 4,554 |
| Net loans and leases to total assets | 72.8426% | 2,143 |
| Net loans and leases to deposits | 87.6876% | 2,147 |
| Net loans and leases to core deposits | 90.3117% | 2,548 |
| Total domestic deposits to total assets | 83.0705% | 3,393 |
| Equity capital to assets | 8.8107% | 4,710 |
| Core capital (leverage) ratio | 9.3137% | 4,347 |
| Tier 1 risk-based capital ratio | 12.3526% | 4,271 |
| Total risk-based capital ratio | 13.6032% | 4,160 |
| Memoranda: | ||
| Average total assets | $82,099,670 | 4,480 |
| Average earning assets | $77,992,670 | 4,436 |
| Average equity | $7,121,330 | 4,829 |
| Average total loans | $59,164,000 | 4,186 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3525% | 2,345 |
| Cost of funding earning assets | 0.3563% | 3,940 |
| Net interest margin | 3.9962% | 1,736 |
| Noninterest income to average assets | 2.2394% | 232 |
| Noninterest expense to average assets | 3.3198% | 1,313 |
| Loan and lease loss provision to assets | 0.0540% | 2,687 |
| Net operating income to assets | 2.6667% | 113 |
| Return on assets (ROA) | 2.6667% | 114 |
| Pretax return on assets | 2.6667% | 168 |
| Return on Equity (ROE) | 30.9932% | 38 |
| Retained earnings to average equity (ytd only) | 30.9932% | 17 |
| Net charge-offs to loans | -0.0138% | 4,384 |
| Credit loss provision to net charge-offs | -550.0000% | 4,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7154% | 4,715 |
| Assets per employee ($millions) | 3.4051% | 4,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 1,938 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 70.8503% | 2,353 |
| Net loans and leases to deposits | 82.9385% | 2,507 |
| Net loans and leases to core deposits | 85.0760% | 2,886 |
| Total domestic deposits to total assets | 85.4252% | 2,784 |
| Equity capital to assets | 8.7931% | 4,746 |
| Core capital (leverage) ratio | 9.0013% | 4,676 |
| Tier 1 risk-based capital ratio | 12.5647% | 4,203 |
| Total risk-based capital ratio | 13.8152% | 4,105 |
| Memoranda: | ||
| Average total assets | $81,450,000 | 4,540 |
| Average earning assets | $77,473,500 | 4,500 |
| Average equity | $7,008,000 | 4,895 |
| Average total loans | $57,962,000 | 4,251 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3643% | 2,133 |
| Cost of funding earning assets | 0.3125% | 4,017 |
| Net interest margin | 4.0518% | 1,583 |
| Noninterest income to average assets | 0.8103% | 1,528 |
| Noninterest expense to average assets | 3.6295% | 867 |
| Loan and lease loss provision to assets | 0.1639% | 1,354 |
| Net operating income to assets | 0.8418% | 2,990 |
| Return on assets (ROA) | 0.8418% | 3,016 |
| Pretax return on assets | 0.8418% | 4,117 |
| Return on Equity (ROE) | 9.6472% | 2,036 |
| Retained earnings to average equity (ytd only) | 8.1445% | 714 |
| Net charge-offs to loans | -0.0113% | 4,815 |
| Credit loss provision to net charge-offs | -2,083.3333% | 5,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9632% | 1,359 |
| Assets per employee ($millions) | 3.3824% | 4,844 |
| Cash dividends to net income (ytd only)* | 15.5763% | 3,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 1,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 69.5049% | 2,600 |
| Net loans and leases to deposits | 80.9312% | 2,820 |
| Net loans and leases to core deposits | 83.6018% | 3,090 |
| Total domestic deposits to total assets | 85.8815% | 2,496 |
| Equity capital to assets | 8.4137% | 5,182 |
| Core capital (leverage) ratio | 8.5882% | 5,055 |
| Tier 1 risk-based capital ratio | 11.5649% | 4,810 |
| Total risk-based capital ratio | 12.8159% | 4,707 |
| Memoranda: | ||
| Average total assets | $76,264,800 | 4,664 |
| Average earning assets | $71,992,600 | 4,623 |
| Average equity | $6,654,800 | 4,999 |
| Average total loans | $52,970,400 | 4,389 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3452% | 2,121 |
| Cost of funding earning assets | 0.3030% | 4,098 |
| Net interest margin | 4.0423% | 1,561 |
| Noninterest income to average assets | 0.8405% | 1,443 |
| Noninterest expense to average assets | 3.6745% | 790 |
| Loan and lease loss provision to assets | 0.1368% | 1,569 |
| Net operating income to assets | 0.8458% | 3,287 |
| Return on assets (ROA) | 0.8458% | 3,340 |
| Pretax return on assets | 0.8458% | 4,223 |
| Return on Equity (ROE) | 9.5999% | 2,306 |
| Retained earnings to average equity (ytd only) | 9.5999% | 683 |
| Net charge-offs to loans | -0.0411% | 5,102 |
| Credit loss provision to net charge-offs | -481.2500% | 4,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5578% | 1,259 |
| Assets per employee ($millions) | 3.1189% | 5,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3636% | 2,063 |
| Loan loss allowance to noncurrent loans | 8,411.1111% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 5,200 |
| Noncurrent loans to loans | 0.0162% | 5,069 |
| Net loans and leases to total assets | 70.2243% | 2,521 |
| Net loans and leases to deposits | 81.1368% | 2,860 |
| Net loans and leases to core deposits | 84.1960% | 3,116 |
| Total domestic deposits to total assets | 86.5505% | 2,075 |
| Equity capital to assets | 8.8608% | 5,023 |
| Core capital (leverage) ratio | 8.6902% | 5,072 |
| Tier 1 risk-based capital ratio | 12.0599% | 4,562 |
| Total risk-based capital ratio | 13.3098% | 4,463 |
| Memoranda: | ||
| Average total assets | $75,036,750 | 4,738 |
| Average earning assets | $70,849,750 | 4,697 |
| Average equity | $6,611,000 | 5,060 |
| Average total loans | $51,909,000 | 4,446 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2476% | 2,298 |
| Cost of funding earning assets | 0.2923% | 4,158 |
| Net interest margin | 3.9552% | 1,756 |
| Noninterest income to average assets | 0.7697% | 1,687 |
| Noninterest expense to average assets | 3.6350% | 835 |
| Loan and lease loss provision to assets | 0.1485% | 1,367 |
| Net operating income to assets | 0.7130% | 3,783 |
| Return on assets (ROA) | 0.7130% | 3,854 |
| Pretax return on assets | 0.7130% | 4,517 |
| Return on Equity (ROE) | 8.1085% | 2,963 |
| Retained earnings to average equity (ytd only) | 8.1085% | 1,119 |
| Net charge-offs to loans | -0.0631% | 5,266 |
| Credit loss provision to net charge-offs | -343.7500% | 4,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7808% | 1,127 |
| Assets per employee ($millions) | 2.9892% | 5,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3478% | 2,185 |
| 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 | 69.1307% | 2,645 |
| Net loans and leases to deposits | 79.5885% | 2,955 |
| Net loans and leases to core deposits | 82.5667% | 3,205 |
| Total domestic deposits to total assets | 86.8602% | 2,011 |
| Equity capital to assets | 8.6865% | 5,156 |
| Core capital (leverage) ratio | 8.8759% | 4,868 |
| Tier 1 risk-based capital ratio | 12.0028% | 4,629 |
| Total risk-based capital ratio | 13.2527% | 4,517 |
| Memoranda: | ||
| Average total assets | $74,058,000 | 4,783 |
| Average earning assets | $69,781,000 | 4,751 |
| Average equity | $6,511,670 | 5,102 |
| Average total loans | $50,707,670 | 4,508 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2148% | 2,230 |
| Cost of funding earning assets | 0.2952% | 4,098 |
| Net interest margin | 3.9196% | 1,709 |
| Noninterest income to average assets | 0.7809% | 1,620 |
| Noninterest expense to average assets | 3.7160% | 762 |
| Loan and lease loss provision to assets | 0.1828% | 940 |
| Net operating income to assets | 0.5593% | 4,332 |
| Return on assets (ROA) | 0.5593% | 4,379 |
| Pretax return on assets | 0.5593% | 4,818 |
| Return on Equity (ROE) | 6.3204% | 3,756 |
| Retained earnings to average equity (ytd only) | 6.3204% | 2,177 |
| Net charge-offs to loans | 0.0573% | 1,762 |
| Credit loss provision to net charge-offs | 471.4286% | 587 |
| Earnings coverage of net charge-offs (x) | 19.1429% | 1,542 |
| Efficiency ratio | 82.9814% | 1,063 |
| Assets per employee ($millions) | 3.1703% | 5,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3932% | 2,103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 4,848 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 66.8760% | 2,837 |
| Net loans and leases to deposits | 73.8737% | 3,418 |
| Net loans and leases to core deposits | 77.0838% | 3,554 |
| Total domestic deposits to total assets | 90.5276% | 466 |
| Equity capital to assets | 8.8813% | 4,924 |
| Core capital (leverage) ratio | 8.8367% | 4,920 |
| Tier 1 risk-based capital ratio | 12.4159% | 4,434 |
| Total risk-based capital ratio | 13.6664% | 4,337 |
| Memoranda: | ||
| Average total assets | $72,228,000 | 4,866 |
| Average earning assets | $67,761,500 | 4,837 |
| Average equity | $6,392,000 | 5,173 |
| Average total loans | $48,831,000 | 4,595 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1529% | 2,648 |
| Cost of funding earning assets | 0.3170% | 3,882 |
| Net interest margin | 3.8360% | 2,184 |
| Noninterest income to average assets | 0.8172% | 1,689 |
| Noninterest expense to average assets | 3.4892% | 1,181 |
| Loan and lease loss provision to assets | 0.2855% | 682 |
| Net operating income to assets | 0.6550% | 3,976 |
| Return on assets (ROA) | 0.6550% | 4,096 |
| Pretax return on assets | 0.6550% | 4,639 |
| Return on Equity (ROE) | 6.9895% | 3,473 |
| Retained earnings to average equity (ytd only) | 5.4432% | 2,052 |
| Net charge-offs to loans | 0.2171% | 1,276 |
| Credit loss provision to net charge-offs | 195.0495% | 1,448 |
| Earnings coverage of net charge-offs (x) | 6.4257% | 3,174 |
| Efficiency ratio | 78.3448% | 1,647 |
| Assets per employee ($millions) | 3.1104% | 5,252 |
| Cash dividends to net income (ytd only)* | 22.1239% | 3,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3753% | 2,195 |
| Loan loss allowance to noncurrent loans | 908.2192% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 4,912 |
| Noncurrent loans to loans | 0.1514% | 4,635 |
| Net loans and leases to total assets | 66.4617% | 3,006 |
| Net loans and leases to deposits | 73.3135% | 3,582 |
| Net loans and leases to core deposits | 76.2407% | 3,730 |
| Total domestic deposits to total assets | 90.6540% | 401 |
| Equity capital to assets | 8.8176% | 4,995 |
| Core capital (leverage) ratio | 8.9655% | 4,778 |
| Tier 1 risk-based capital ratio | 12.3905% | 4,452 |
| Total risk-based capital ratio | 13.6402% | 4,337 |
| Memoranda: | ||
| Average total assets | $69,012,200 | 4,952 |
| Average earning assets | $64,990,200 | 4,918 |
| Average equity | $6,466,800 | 5,197 |
| Average total loans | $46,521,600 | 4,679 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1288% | 2,767 |
| Cost of funding earning assets | 0.3224% | 3,840 |
| Net interest margin | 3.8064% | 2,309 |
| Noninterest income to average assets | 0.8287% | 1,653 |
| Noninterest expense to average assets | 3.3362% | 1,482 |
| Loan and lease loss provision to assets | 0.2632% | 691 |
| Net operating income to assets | 0.8209% | 3,277 |
| Return on assets (ROA) | 0.8209% | 3,412 |
| Pretax return on assets | 0.8209% | 4,247 |
| Return on Equity (ROE) | 8.6271% | 2,698 |
| Retained earnings to average equity (ytd only) | 8.6271% | 932 |
| Net charge-offs to loans | 0.2892% | 789 |
| Credit loss provision to net charge-offs | 135.0000% | 1,924 |
| Earnings coverage of net charge-offs (x) | 5.5600% | 3,115 |
| Efficiency ratio | 75.0772% | 2,097 |
| Assets per employee ($millions) | 3.4473% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 2,696 |
| Loan loss allowance to noncurrent loans | 371.6049% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.2350% | 4,506 |
| Noncurrent loans to loans | 0.3495% | 3,997 |
| Net loans and leases to total assets | 66.3630% | 3,058 |
| Net loans and leases to deposits | 74.0740% | 3,591 |
| Net loans and leases to core deposits | 76.8342% | 3,768 |
| Total domestic deposits to total assets | 89.5903% | 632 |
| Equity capital to assets | 9.8049% | 4,357 |
| Core capital (leverage) ratio | 9.3926% | 4,338 |
| Tier 1 risk-based capital ratio | 13.2049% | 4,032 |
| Total risk-based capital ratio | 14.4537% | 3,941 |
| Memoranda: | ||
| Average total assets | $68,380,500 | 5,011 |
| Average earning assets | $64,521,250 | 4,970 |
| Average equity | $6,506,500 | 5,238 |
| Average total loans | $46,099,750 | 4,730 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1489% | 2,679 |
| Cost of funding earning assets | 0.3278% | 3,817 |
| Net interest margin | 3.8211% | 2,237 |
| Noninterest income to average assets | 0.7801% | 1,807 |
| Noninterest expense to average assets | 3.2555% | 1,680 |
| Loan and lease loss provision to assets | 0.2845% | 644 |
| Net operating income to assets | 0.8300% | 3,173 |
| Return on assets (ROA) | 0.8300% | 3,310 |
| Pretax return on assets | 0.8300% | 4,192 |
| Return on Equity (ROE) | 8.8135% | 2,582 |
| Retained earnings to average equity (ytd only) | 8.8135% | 899 |
| Net charge-offs to loans | 0.4216% | 540 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 3.9175% | 3,044 |
| Efficiency ratio | 74.0940% | 2,345 |
| Assets per employee ($millions) | 3.3683% | 4,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 3,066 |
| Loan loss allowance to noncurrent loans | 269.1943% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.3132% | 4,247 |
| Noncurrent loans to loans | 0.4647% | 3,702 |
| Net loans and leases to total assets | 66.5613% | 3,004 |
| Net loans and leases to deposits | 74.5007% | 3,528 |
| Net loans and leases to core deposits | 77.5426% | 3,681 |
| Total domestic deposits to total assets | 89.3431% | 741 |
| Equity capital to assets | 9.8449% | 4,394 |
| Core capital (leverage) ratio | 9.0389% | 4,781 |
| Tier 1 risk-based capital ratio | 13.3562% | 3,984 |
| Total risk-based capital ratio | 14.5812% | 3,913 |
| Memoranda: | ||
| Average total assets | $68,192,330 | 5,064 |
| Average earning assets | $64,065,000 | 5,029 |
| Average equity | $6,422,000 | 5,301 |
| Average total loans | $46,014,330 | 4,768 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0721% | 2,959 |
| Cost of funding earning assets | 0.3290% | 3,854 |
| Net interest margin | 3.7431% | 2,511 |
| Noninterest income to average assets | 0.8337% | 1,501 |
| Noninterest expense to average assets | 3.2242% | 1,779 |
| Loan and lease loss provision to assets | 0.2624% | 649 |
| Net operating income to assets | 0.8629% | 2,931 |
| Return on assets (ROA) | 0.8629% | 3,044 |
| Pretax return on assets | 0.8629% | 3,992 |
| Return on Equity (ROE) | 9.3715% | 2,254 |
| Retained earnings to average equity (ytd only) | 9.3715% | 1,010 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7265% | 2,524 |
| Assets per employee ($millions) | 3.2099% | 5,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 2,740 |
| Loan loss allowance to noncurrent loans | 57.8997% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 1.5681% | 1,278 |
| Noncurrent loans to loans | 2.3032% | 870 |
| Net loans and leases to total assets | 67.1745% | 2,784 |
| Net loans and leases to deposits | 74.5845% | 3,361 |
| Net loans and leases to core deposits | 77.9216% | 3,495 |
| Total domestic deposits to total assets | 90.0650% | 575 |
| Equity capital to assets | 9.5404% | 4,634 |
| Core capital (leverage) ratio | 8.9440% | 4,923 |
| Tier 1 risk-based capital ratio | 12.5943% | 4,522 |
| Total risk-based capital ratio | 13.8440% | 4,434 |
| Memoranda: | ||
| Average total assets | $68,606,000 | 5,102 |
| Average earning assets | $64,438,000 | 5,065 |
| Average equity | $6,317,000 | 5,358 |
| Average total loans | $46,318,000 | 4,794 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1317% | 2,803 |
| Cost of funding earning assets | 0.3575% | 3,621 |
| Net interest margin | 3.7742% | 2,462 |
| Noninterest income to average assets | 0.6461% | 2,482 |
| Noninterest expense to average assets | 3.3126% | 1,693 |
| Loan and lease loss provision to assets | 0.2966% | 585 |
| Net operating income to assets | 0.5622% | 4,456 |
| Return on assets (ROA) | 0.5622% | 4,546 |
| Pretax return on assets | 0.5622% | 4,954 |
| Return on Equity (ROE) | 5.8860% | 4,083 |
| Retained earnings to average equity (ytd only) | 4.2600% | 2,950 |
| Net charge-offs to loans | 0.3604% | 815 |
| Credit loss provision to net charge-offs | 125.6579% | 2,067 |
| Earnings coverage of net charge-offs (x) | 3.6382% | 3,688 |
| Efficiency ratio | 78.7044% | 1,859 |
| Assets per employee ($millions) | 3.3240% | 5,110 |
| Cash dividends to net income (ytd only)* | 27.6243% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 3,400 |
| Loan loss allowance to noncurrent loans | 52.1619% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 1.6489% | 1,188 |
| Noncurrent loans to loans | 2.3255% | 826 |
| Net loans and leases to total assets | 66.1509% | 2,960 |
| Net loans and leases to deposits | 74.3527% | 3,453 |
| Net loans and leases to core deposits | 77.5976% | 3,595 |
| Total domestic deposits to total assets | 88.9691% | 1,131 |
| Equity capital to assets | 8.8863% | 5,236 |
| Core capital (leverage) ratio | 8.9846% | 4,905 |
| Tier 1 risk-based capital ratio | 12.1553% | 4,855 |
| Total risk-based capital ratio | 13.3203% | 4,807 |
| Memoranda: | ||
| Average total assets | $64,391,000 | 5,213 |
| Average earning assets | $60,145,200 | 5,184 |
| Average equity | $6,150,200 | 5,406 |
| Average total loans | $42,171,600 | 4,925 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1923% | 2,599 |
| Cost of funding earning assets | 0.3646% | 3,607 |
| Net interest margin | 3.8277% | 2,275 |
| Noninterest income to average assets | 0.6832% | 2,312 |
| Noninterest expense to average assets | 3.3016% | 1,685 |
| Loan and lease loss provision to assets | 0.2136% | 898 |
| Net operating income to assets | 0.7424% | 3,720 |
| Return on assets (ROA) | 0.7424% | 3,811 |
| Pretax return on assets | 0.7424% | 4,527 |
| Return on Equity (ROE) | 7.6257% | 3,272 |
| Retained earnings to average equity (ytd only) | 7.6257% | 1,404 |
| Net charge-offs to loans | 0.0877% | 2,290 |
| Credit loss provision to net charge-offs | 374.0741% | 801 |
| Earnings coverage of net charge-offs (x) | 16.7403% | 2,097 |
| Efficiency ratio | 76.9001% | 2,105 |
| Assets per employee ($millions) | 3.0400% | 5,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3574% | 2,806 |
| Loan loss allowance to noncurrent loans | 813.5135% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.3102% | 4,523 |
| Noncurrent loans to loans | 0.1669% | 4,985 |
| Net loans and leases to total assets | 68.5276% | 2,599 |
| Net loans and leases to deposits | 79.2407% | 2,963 |
| Net loans and leases to core deposits | 83.9081% | 3,052 |
| Total domestic deposits to total assets | 86.4803% | 2,293 |
| Equity capital to assets | 9.9076% | 4,277 |
| Core capital (leverage) ratio | 9.4084% | 4,427 |
| Tier 1 risk-based capital ratio | 13.4265% | 4,179 |
| Total risk-based capital ratio | 14.6768% | 4,105 |
| Memoranda: | ||
| Average total assets | $63,037,750 | 5,307 |
| Average earning assets | $58,867,750 | 5,278 |
| Average equity | $6,137,000 | 5,474 |
| Average total loans | $41,028,750 | 5,022 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1139% | 2,847 |
| Cost of funding earning assets | 0.3690% | 3,609 |
| Net interest margin | 3.7449% | 2,528 |
| Noninterest income to average assets | 0.7042% | 2,197 |
| Noninterest expense to average assets | 3.2404% | 1,867 |
| Loan and lease loss provision to assets | 0.1784% | 1,148 |
| Net operating income to assets | 0.7774% | 3,501 |
| Return on assets (ROA) | 0.7774% | 3,606 |
| Pretax return on assets | 0.7774% | 4,396 |
| Return on Equity (ROE) | 8.0338% | 3,032 |
| Retained earnings to average equity (ytd only) | 8.0338% | 1,254 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6894% | 2,251 |
| Assets per employee ($millions) | 2.7210% | 5,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 2,700 |
| Loan loss allowance to noncurrent loans | 417.8571% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2237% | 4,975 |
| Noncurrent loans to loans | 0.3379% | 4,477 |
| Net loans and leases to total assets | 65.2627% | 3,086 |
| Net loans and leases to deposits | 72.7953% | 3,641 |
| Net loans and leases to core deposits | 76.9930% | 3,669 |
| Total domestic deposits to total assets | 89.6523% | 814 |
| Equity capital to assets | 9.8284% | 4,245 |
| Core capital (leverage) ratio | 9.3990% | 4,419 |
| Tier 1 risk-based capital ratio | 13.9914% | 3,930 |
| Total risk-based capital ratio | 15.2424% | 3,865 |
| Memoranda: | ||
| Average total assets | $62,770,330 | 5,379 |
| Average earning assets | $58,533,330 | 5,346 |
| Average equity | $6,074,330 | 5,534 |
| Average total loans | $39,921,670 | 5,109 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0484% | 3,056 |
| Cost of funding earning assets | 0.3705% | 3,643 |
| Net interest margin | 3.6779% | 2,708 |
| Noninterest income to average assets | 0.7317% | 2,011 |
| Noninterest expense to average assets | 3.2006% | 1,984 |
| Loan and lease loss provision to assets | 0.1336% | 1,546 |
| Net operating income to assets | 0.8081% | 3,217 |
| Return on assets (ROA) | 0.8081% | 3,338 |
| Pretax return on assets | 0.8081% | 4,208 |
| Return on Equity (ROE) | 8.4162% | 2,742 |
| Retained earnings to average equity (ytd only) | 8.4162% | 1,406 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8049% | 2,375 |
| Assets per employee ($millions) | 2.9768% | 5,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4058% | 2,888 |
| Loan loss allowance to noncurrent loans | 387.3239% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 5,026 |
| Noncurrent loans to loans | 0.3629% | 4,499 |
| Net loans and leases to total assets | 61.7056% | 3,417 |
| Net loans and leases to deposits | 68.7692% | 3,885 |
| Net loans and leases to core deposits | 72.6783% | 3,898 |
| Total domestic deposits to total assets | 89.7285% | 884 |
| Equity capital to assets | 9.8220% | 4,364 |
| Core capital (leverage) ratio | 9.2097% | 4,695 |
| Tier 1 risk-based capital ratio | 14.2126% | 3,875 |
| Total risk-based capital ratio | 15.4630% | 3,802 |
| Memoranda: | ||
| Average total assets | $62,863,500 | 5,428 |
| Average earning assets | $58,294,000 | 5,406 |
| Average equity | $6,036,000 | 5,591 |
| Average total loans | $39,168,000 | 5,171 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3643% | 2,348 |
| Cost of funding earning assets | 0.5244% | 2,443 |
| Net interest margin | 3.8399% | 2,467 |
| Noninterest income to average assets | 0.6981% | 2,312 |
| Noninterest expense to average assets | 3.4973% | 1,489 |
| Loan and lease loss provision to assets | 0.2014% | 1,258 |
| Net operating income to assets | 0.5852% | 4,445 |
| Return on assets (ROA) | 0.5852% | 4,522 |
| Pretax return on assets | 0.5852% | 4,987 |
| Return on Equity (ROE) | 5.8001% | 4,262 |
| Retained earnings to average equity (ytd only) | 4.0790% | 3,304 |
| Net charge-offs to loans | 0.0699% | 3,476 |
| Credit loss provision to net charge-offs | 464.0000% | 568 |
| Earnings coverage of net charge-offs (x) | 18.1200% | 1,863 |
| Efficiency ratio | 81.1107% | 1,757 |
| Assets per employee ($millions) | 3.1607% | 5,492 |
| Cash dividends to net income (ytd only)* | 29.6736% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3465% | 3,190 |
| Loan loss allowance to noncurrent loans | 825.0000% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 5,628 |
| Noncurrent loans to loans | 0.1632% | 5,244 |
| Net loans and leases to total assets | 61.1953% | 3,614 |
| Net loans and leases to deposits | 67.9716% | 4,126 |
| Net loans and leases to core deposits | 72.1313% | 4,106 |
| Total domestic deposits to total assets | 90.0307% | 722 |
| Equity capital to assets | 9.3840% | 4,866 |
| Core capital (leverage) ratio | 9.5432% | 4,181 |
| Tier 1 risk-based capital ratio | 14.6825% | 3,672 |
| Total risk-based capital ratio | 15.9337% | 3,595 |
| Memoranda: | ||
| Average total assets | $57,587,000 | 5,612 |
| Average earning assets | $53,777,400 | 5,573 |
| Average equity | $5,810,200 | 5,659 |
| Average total loans | $35,757,400 | 5,340 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3798% | 2,291 |
| Cost of funding earning assets | 0.5623% | 2,171 |
| Net interest margin | 3.8175% | 2,550 |
| Noninterest income to average assets | 0.6906% | 2,378 |
| Noninterest expense to average assets | 3.5362% | 1,401 |
| Loan and lease loss provision to assets | 0.1851% | 1,323 |
| Net operating income to assets | 0.5625% | 4,621 |
| Return on assets (ROA) | 0.5625% | 4,694 |
| Pretax return on assets | 0.5625% | 5,145 |
| Return on Equity (ROE) | 5.4672% | 4,505 |
| Retained earnings to average equity (ytd only) | 5.4672% | 2,784 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0499% | 1,617 |
| Assets per employee ($millions) | 2.8815% | 5,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4284% | 3,038 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 61.7901% | 3,514 |
| Net loans and leases to deposits | 69.3092% | 3,991 |
| Net loans and leases to core deposits | 74.0127% | 3,938 |
| Total domestic deposits to total assets | 89.1513% | 1,152 |
| Equity capital to assets | 10.3143% | 3,774 |
| Core capital (leverage) ratio | 9.7056% | 4,070 |
| Tier 1 risk-based capital ratio | 15.9716% | 3,071 |
| Total risk-based capital ratio | 17.2250% | 3,020 |
| Memoranda: | ||
| Average total assets | $56,180,250 | 5,710 |
| Average earning assets | $52,878,250 | 5,661 |
| Average equity | $5,779,750 | 5,720 |
| Average total loans | $34,893,750 | 5,419 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3671% | 2,308 |
| Cost of funding earning assets | 0.6102% | 1,811 |
| Net interest margin | 3.7568% | 2,730 |
| Noninterest income to average assets | 0.7146% | 2,210 |
| Noninterest expense to average assets | 3.5047% | 1,471 |
| Loan and lease loss provision to assets | 0.2155% | 1,091 |
| Net operating income to assets | 0.5314% | 4,687 |
| Return on assets (ROA) | 0.5314% | 4,775 |
| Pretax return on assets | 0.5314% | 5,187 |
| Return on Equity (ROE) | 5.1703% | 4,594 |
| Retained earnings to average equity (ytd only) | 5.1703% | 2,849 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9257% | 1,756 |
| Assets per employee ($millions) | 2.9934% | 5,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 3,332 |
| 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 | 61.4850% | 3,487 |
| Net loans and leases to deposits | 68.9901% | 3,941 |
| Net loans and leases to core deposits | 74.4750% | 3,789 |
| Total domestic deposits to total assets | 89.1216% | 1,292 |
| Equity capital to assets | 10.3088% | 3,681 |
| Core capital (leverage) ratio | 9.9475% | 3,687 |
| Tier 1 risk-based capital ratio | 15.6814% | 3,255 |
| Total risk-based capital ratio | 16.9354% | 3,193 |
| Memoranda: | ||
| Average total assets | $55,697,330 | 5,770 |
| Average earning assets | $52,437,670 | 5,720 |
| Average equity | $5,725,000 | 5,770 |
| Average total loans | $34,483,330 | 5,472 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3517% | 2,324 |
| Cost of funding earning assets | 0.6659% | 1,468 |
| Net interest margin | 3.6857% | 2,928 |
| Noninterest income to average assets | 0.5952% | 2,763 |
| Noninterest expense to average assets | 3.4042% | 1,695 |
| Loan and lease loss provision to assets | 0.1089% | 2,120 |
| Net operating income to assets | 0.5371% | 4,517 |
| Return on assets (ROA) | 0.5371% | 4,591 |
| Pretax return on assets | 0.5371% | 5,057 |
| Return on Equity (ROE) | 5.2334% | 4,432 |
| Retained earnings to average equity (ytd only) | 5.2334% | 2,979 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5125% | 1,732 |
| Assets per employee ($millions) | 2.8396% | 6,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 4,071 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7340% | 3,919 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 63.2451% | 3,024 |
| Net loans and leases to deposits | 71.1690% | 3,451 |
| Net loans and leases to core deposits | 78.5045% | 3,149 |
| Total domestic deposits to total assets | 88.8660% | 1,743 |
| Equity capital to assets | 10.6020% | 3,143 |
| Core capital (leverage) ratio | 10.0913% | 3,439 |
| Tier 1 risk-based capital ratio | 15.7635% | 3,292 |
| Total risk-based capital ratio | 17.0160% | 3,257 |
| Memoranda: | ||
| Average total assets | $55,109,000 | 5,843 |
| Average earning assets | $51,658,500 | 5,794 |
| Average equity | $5,656,000 | 5,829 |
| Average total loans | $33,991,500 | 5,543 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4060% | 2,567 |
| Cost of funding earning assets | 0.5677% | 2,949 |
| Net interest margin | 3.8383% | 2,507 |
| Noninterest income to average assets | 0.8009% | 2,076 |
| Noninterest expense to average assets | 3.4393% | 1,792 |
| Loan and lease loss provision to assets | 0.1160% | 2,873 |
| Net operating income to assets | 0.8085% | 3,250 |
| Return on assets (ROA) | 0.8123% | 3,326 |
| Pretax return on assets | 0.8123% | 4,098 |
| Return on Equity (ROE) | 7.9048% | 3,076 |
| Retained earnings to average equity (ytd only) | 7.9048% | 1,088 |
| Net charge-offs to loans | 0.2108% | 2,777 |
| Credit loss provision to net charge-offs | 89.7059% | 2,767 |
| Earnings coverage of net charge-offs (x) | 7.1471% | 2,907 |
| Efficiency ratio | 78.2476% | 2,431 |
| Assets per employee ($millions) | 3.3098% | 5,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 4,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7038% | 4,143 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 58.5967% | 3,939 |
| Net loans and leases to deposits | 65.4024% | 4,367 |
| Net loans and leases to core deposits | 72.2440% | 4,037 |
| Total domestic deposits to total assets | 89.5941% | 1,278 |
| Equity capital to assets | 9.9385% | 3,851 |
| Core capital (leverage) ratio | 9.7739% | 3,879 |
| Tier 1 risk-based capital ratio | 15.5628% | 3,335 |
| Total risk-based capital ratio | 16.7765% | 3,312 |
| Memoranda: | ||
| Average total assets | $52,568,200 | 5,954 |
| Average earning assets | $48,797,400 | 5,926 |
| Average equity | $5,401,800 | 5,961 |
| Average total loans | $32,261,000 | 5,654 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4391% | 2,461 |
| Cost of funding earning assets | 0.5458% | 3,306 |
| Net interest margin | 3.8933% | 2,302 |
| Noninterest income to average assets | 0.9268% | 1,668 |
| Noninterest expense to average assets | 3.3924% | 1,849 |
| Loan and lease loss provision to assets | 0.0697% | 3,669 |
| Net operating income to assets | 1.0740% | 2,104 |
| Return on assets (ROA) | 1.0792% | 2,171 |
| Pretax return on assets | 1.0792% | 3,196 |
| Return on Equity (ROE) | 10.4089% | 2,036 |
| Retained earnings to average equity (ytd only) | 10.4089% | 710 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2743% | 3,020 |
| Assets per employee ($millions) | 3.4266% | 5,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 3,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 59.0596% | 3,846 |
| Net loans and leases to deposits | 66.1167% | 4,294 |
| Net loans and leases to core deposits | 73.9185% | 3,855 |
| Total domestic deposits to total assets | 89.3262% | 1,395 |
| Equity capital to assets | 10.2014% | 3,642 |
| Core capital (leverage) ratio | 10.1793% | 3,428 |
| Tier 1 risk-based capital ratio | 16.2663% | 3,056 |
| Total risk-based capital ratio | 17.5161% | 3,020 |
| Memoranda: | ||
| Average total assets | $51,643,750 | 6,043 |
| Average earning assets | $47,876,000 | 6,011 |
| Average equity | $5,354,250 | 6,047 |
| Average total loans | $31,974,250 | 5,722 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4889% | 2,240 |
| Cost of funding earning assets | 0.5153% | 3,751 |
| Net interest margin | 3.9735% | 1,955 |
| Noninterest income to average assets | 1.0399% | 1,409 |
| Noninterest expense to average assets | 3.3569% | 1,912 |
| Loan and lease loss provision to assets | 0.0712% | 3,608 |
| Net operating income to assets | 1.3008% | 1,319 |
| Return on assets (ROA) | 1.3087% | 1,387 |
| Pretax return on assets | 1.3087% | 2,266 |
| Return on Equity (ROE) | 12.5505% | 1,345 |
| Retained earnings to average equity (ytd only) | 12.5505% | 426 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4849% | 3,740 |
| Assets per employee ($millions) | 3.1581% | 5,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4299% | 3,894 |
| 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 | 63.1657% | 3,072 |
| Net loans and leases to deposits | 71.3612% | 3,536 |
| Net loans and leases to core deposits | 80.6698% | 2,952 |
| Total domestic deposits to total assets | 88.5155% | 1,904 |
| Equity capital to assets | 11.0432% | 2,709 |
| Core capital (leverage) ratio | 10.6226% | 2,740 |
| Tier 1 risk-based capital ratio | 16.5941% | 2,893 |
| Total risk-based capital ratio | 17.8472% | 2,850 |
| Memoranda: | ||
| Average total assets | $50,583,000 | 6,114 |
| Average earning assets | $46,960,670 | 6,071 |
| Average equity | $5,274,670 | 6,105 |
| Average total loans | $31,682,000 | 5,767 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4340% | 2,406 |
| Cost of funding earning assets | 0.5351% | 3,725 |
| Net interest margin | 3.8989% | 2,122 |
| Noninterest income to average assets | 1.2013% | 1,050 |
| Noninterest expense to average assets | 3.2879% | 2,116 |
| Loan and lease loss provision to assets | 0.0711% | 3,446 |
| Net operating income to assets | 1.4701% | 909 |
| Return on assets (ROA) | 1.4859% | 964 |
| Pretax return on assets | 1.4859% | 1,599 |
| Return on Equity (ROE) | 14.6818% | 825 |
| Retained earnings to average equity (ytd only) | 14.6818% | 377 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5941% | 4,391 |
| Assets per employee ($millions) | 3.2894% | 5,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4339% | 4,076 |
| Loan loss allowance to noncurrent loans | 229.9492% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.3993% | 5,394 |
| Noncurrent loans to loans | 0.6236% | 4,883 |
| Net loans and leases to total assets | 63.1098% | 2,871 |
| Net loans and leases to deposits | 70.9074% | 3,340 |
| Net loans and leases to core deposits | 80.3318% | 2,772 |
| Total domestic deposits to total assets | 89.0031% | 1,679 |
| Equity capital to assets | 10.5734% | 3,458 |
| Core capital (leverage) ratio | 9.7781% | 3,689 |
| Tier 1 risk-based capital ratio | 15.4642% | 3,544 |
| Total risk-based capital ratio | 16.7465% | 3,487 |
| Memoranda: | ||
| Average total assets | $50,610,000 | 6,169 |
| Average earning assets | $47,090,500 | 6,124 |
| Average equity | $5,122,000 | 6,208 |
| Average total loans | $31,333,000 | 5,832 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8622% | 1,975 |
| Cost of funding earning assets | 0.7671% | 2,946 |
| Net interest margin | 4.0951% | 2,022 |
| Noninterest income to average assets | 0.9264% | 1,781 |
| Noninterest expense to average assets | 3.7013% | 1,408 |
| Loan and lease loss provision to assets | 0.1173% | 4,156 |
| Net operating income to assets | 0.9099% | 2,768 |
| Return on assets (ROA) | 1.0046% | 2,538 |
| Pretax return on assets | 1.0046% | 3,536 |
| Return on Equity (ROE) | 9.7663% | 2,281 |
| Retained earnings to average equity (ytd only) | 3.5623% | 3,705 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7536% | 2,489 |
| Assets per employee ($millions) | 3.2424% | 5,534 |
| Cash dividends to net income (ytd only)* | 63.5246% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 4,016 |
| 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 | 59.0412% | 3,785 |
| Net loans and leases to deposits | 65.4935% | 4,357 |
| Net loans and leases to core deposits | 74.8991% | 3,671 |
| Total domestic deposits to total assets | 90.1482% | 875 |
| Equity capital to assets | 9.6899% | 4,605 |
| Core capital (leverage) ratio | 9.4213% | 4,228 |
| Tier 1 risk-based capital ratio | 14.3034% | 4,164 |
| Total risk-based capital ratio | 15.5851% | 4,099 |
| Memoranda: | ||
| Average total assets | $48,577,200 | 6,251 |
| Average earning assets | $45,102,600 | 6,202 |
| Average equity | $4,996,800 | 6,290 |
| Average total loans | $31,035,800 | 5,894 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9508% | 1,828 |
| Cost of funding earning assets | 0.8096% | 2,866 |
| Net interest margin | 4.1412% | 1,935 |
| Noninterest income to average assets | 0.9382% | 1,709 |
| Noninterest expense to average assets | 3.7834% | 1,238 |
| Loan and lease loss provision to assets | 0.0838% | 4,568 |
| Net operating income to assets | 0.9270% | 2,843 |
| Return on assets (ROA) | 1.0554% | 2,480 |
| Pretax return on assets | 1.0554% | 3,517 |
| Return on Equity (ROE) | 10.1015% | 2,302 |
| Retained earnings to average equity (ytd only) | 5.5586% | 2,998 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3925% | 2,341 |
| Assets per employee ($millions) | 3.0392% | 5,982 |
| Cash dividends to net income (ytd only)* | 44.9731% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 4,702 |
| Loan loss allowance to noncurrent loans | 20,850.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 6,800 |
| Noncurrent loans to loans | 0.0064% | 6,666 |
| Net loans and leases to total assets | 63.8658% | 3,044 |
| Net loans and leases to deposits | 71.7229% | 3,652 |
| Net loans and leases to core deposits | 82.9111% | 2,841 |
| Total domestic deposits to total assets | 89.0452% | 1,403 |
| Equity capital to assets | 10.4551% | 3,895 |
| Core capital (leverage) ratio | 9.8704% | 3,729 |
| Tier 1 risk-based capital ratio | 15.1373% | 3,747 |
| Total risk-based capital ratio | 16.3947% | 3,697 |
| Memoranda: | ||
| Average total assets | $47,751,750 | 6,346 |
| Average earning assets | $44,463,000 | 6,293 |
| Average equity | $4,989,250 | 6,366 |
| Average total loans | $31,026,250 | 5,973 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9725% | 1,866 |
| Cost of funding earning assets | 0.8732% | 2,630 |
| Net interest margin | 4.0992% | 2,098 |
| Noninterest income to average assets | 0.8850% | 1,842 |
| Noninterest expense to average assets | 3.7084% | 1,351 |
| Loan and lease loss provision to assets | 0.0759% | 4,674 |
| Net operating income to assets | 0.9187% | 2,814 |
| Return on assets (ROA) | 1.1125% | 2,219 |
| Pretax return on assets | 1.1125% | 3,264 |
| Return on Equity (ROE) | 10.6502% | 2,110 |
| Retained earnings to average equity (ytd only) | 10.6502% | 817 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3154% | 2,419 |
| Assets per employee ($millions) | 3.1461% | 5,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 4,916 |
| 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 | 65.5005% | 2,770 |
| Net loans and leases to deposits | 73.6450% | 3,350 |
| Net loans and leases to core deposits | 82.4623% | 2,905 |
| Total domestic deposits to total assets | 88.9409% | 1,545 |
| Equity capital to assets | 10.6819% | 3,475 |
| Core capital (leverage) ratio | 9.7679% | 3,758 |
| Tier 1 risk-based capital ratio | 15.2092% | 3,626 |
| Total risk-based capital ratio | 16.4895% | 3,575 |
| Memoranda: | ||
| Average total assets | $47,460,000 | 6,397 |
| Average earning assets | $44,203,330 | 6,343 |
| Average equity | $4,957,670 | 6,401 |
| Average total loans | $30,877,330 | 6,019 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9752% | 1,976 |
| Cost of funding earning assets | 0.8955% | 2,728 |
| Net interest margin | 4.0797% | 2,174 |
| Noninterest income to average assets | 0.9917% | 1,446 |
| Noninterest expense to average assets | 3.6223% | 1,519 |
| Loan and lease loss provision to assets | 0.0504% | 4,780 |
| Net operating income to assets | 1.1094% | 2,043 |
| Return on assets (ROA) | 1.4960% | 1,149 |
| Pretax return on assets | 1.4960% | 1,878 |
| Return on Equity (ROE) | 14.4833% | 1,081 |
| Retained earnings to average equity (ytd only) | 14.4833% | 510 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2197% | 2,909 |
| Assets per employee ($millions) | 3.1525% | 5,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 5,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 64.9467% | 2,663 |
| Net loans and leases to deposits | 72.7997% | 3,300 |
| Net loans and leases to core deposits | 82.1352% | 2,816 |
| Total domestic deposits to total assets | 89.2129% | 1,547 |
| Equity capital to assets | 10.5249% | 3,464 |
| Core capital (leverage) ratio | 9.8125% | 3,623 |
| Tier 1 risk-based capital ratio | 15.2869% | 3,563 |
| Total risk-based capital ratio | 16.5700% | 3,500 |
| Memoranda: | ||
| Average total assets | $47,594,000 | 6,446 |
| Average earning assets | $44,219,000 | 6,391 |
| Average equity | $4,916,000 | 6,447 |
| Average total loans | $30,658,000 | 6,077 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1406% | 2,285 |
| Cost of funding earning assets | 1.2072% | 1,983 |
| Net interest margin | 3.9334% | 3,190 |
| Noninterest income to average assets | 0.4857% | 3,954 |
| Noninterest expense to average assets | 3.7482% | 1,447 |
| Loan and lease loss provision to assets | 0.1140% | 5,168 |
| Net operating income to assets | 0.2977% | 5,268 |
| Return on assets (ROA) | 0.3822% | 5,115 |
| Pretax return on assets | 0.3822% | 5,345 |
| Return on Equity (ROE) | 4.0527% | 4,820 |
| Retained earnings to average equity (ytd only) | 4.0527% | 3,303 |
| Net charge-offs to loans | 0.0464% | 5,841 |
| Credit loss provision to net charge-offs | 385.7143% | 607 |
| Earnings coverage of net charge-offs (x) | 13.9286% | 1,503 |
| Efficiency ratio | 89.4416% | 1,231 |
| Assets per employee ($millions) | 3.1933% | 5,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 5,014 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 62.2630% | 3,548 |
| Net loans and leases to deposits | 69.4793% | 4,200 |
| Net loans and leases to core deposits | 77.8634% | 3,698 |
| Total domestic deposits to total assets | 89.6138% | 1,196 |
| Equity capital to assets | 10.1357% | 3,991 |
| Core capital (leverage) ratio | 9.4794% | 4,058 |
| Tier 1 risk-based capital ratio | 15.1874% | 3,521 |
| Total risk-based capital ratio | 16.4387% | 3,485 |
| Memoranda: | ||
| Average total assets | $47,356,400 | 6,446 |
| Average earning assets | $44,236,200 | 6,380 |
| Average equity | $4,466,200 | 6,608 |
| Average total loans | $30,163,200 | 6,151 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1374% | 2,440 |
| Cost of funding earning assets | 1.2414% | 2,051 |
| Net interest margin | 3.8960% | 3,399 |
| Noninterest income to average assets | 0.3840% | 4,779 |
| Noninterest expense to average assets | 3.6791% | 1,538 |
| Loan and lease loss provision to assets | 0.0875% | 5,350 |
| Net operating income to assets | 0.2682% | 5,518 |
| Return on assets (ROA) | 0.3812% | 5,263 |
| Pretax return on assets | 0.3812% | 5,524 |
| Return on Equity (ROE) | 4.1199% | 4,946 |
| Retained earnings to average equity (ytd only) | 4.1199% | 3,799 |
| Net charge-offs to loans | 0.0575% | 5,395 |
| Credit loss provision to net charge-offs | 238.4615% | 1,195 |
| Earnings coverage of net charge-offs (x) | 9.6942% | 2,014 |
| Efficiency ratio | 90.5528% | 1,133 |
| Assets per employee ($millions) | 3.1458% | 5,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 5,639 |
| Loan loss allowance to noncurrent loans | 6,083.3333% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 7,034 |
| Noncurrent loans to loans | 0.0191% | 6,895 |
| Net loans and leases to total assets | 65.9101% | 2,921 |
| Net loans and leases to deposits | 73.7620% | 3,688 |
| Net loans and leases to core deposits | 84.9545% | 2,920 |
| Total domestic deposits to total assets | 89.3551% | 1,220 |
| Equity capital to assets | 10.0345% | 4,293 |
| Core capital (leverage) ratio | 9.4132% | 4,285 |
| Tier 1 risk-based capital ratio | 14.8202% | 3,771 |
| Total risk-based capital ratio | 16.0549% | 3,746 |
| Memoranda: | ||
| Average total assets | $47,220,500 | 6,506 |
| Average earning assets | $44,250,000 | 6,444 |
| Average equity | $4,369,000 | 6,684 |
| Average total loans | $30,151,250 | 6,211 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1394% | 2,519 |
| Cost of funding earning assets | 1.2342% | 2,356 |
| Net interest margin | 3.9052% | 3,284 |
| Noninterest income to average assets | 0.3599% | 5,001 |
| Noninterest expense to average assets | 3.5823% | 1,779 |
| Loan and lease loss provision to assets | 0.0889% | 5,204 |
| Net operating income to assets | 0.3599% | 5,132 |
| Return on assets (ROA) | 0.4319% | 4,948 |
| Pretax return on assets | 0.4319% | 5,289 |
| Return on Equity (ROE) | 4.8034% | 4,543 |
| Retained earnings to average equity (ytd only) | 4.8034% | 3,120 |
| Net charge-offs to loans | 0.0808% | 4,836 |
| Credit loss provision to net charge-offs | 175.0000% | 1,719 |
| Earnings coverage of net charge-offs (x) | 8.8333% | 2,000 |
| Efficiency ratio | 88.2353% | 1,393 |
| Assets per employee ($millions) | 3.3677% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 5,610 |
| 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 | 62.9062% | 3,697 |
| Net loans and leases to deposits | 70.1523% | 4,420 |
| Net loans and leases to core deposits | 80.3005% | 3,748 |
| Total domestic deposits to total assets | 89.6708% | 1,135 |
| Equity capital to assets | 9.7311% | 4,498 |
| Core capital (leverage) ratio | 9.1729% | 4,452 |
| Tier 1 risk-based capital ratio | 14.5800% | 3,739 |
| Total risk-based capital ratio | 15.7746% | 3,749 |
| Memoranda: | ||
| Average total assets | $47,231,670 | 6,557 |
| Average earning assets | $44,402,330 | 6,496 |
| Average equity | $4,247,000 | 6,762 |
| Average total loans | $29,713,000 | 6,300 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1467% | 2,448 |
| Cost of funding earning assets | 1.2507% | 2,499 |
| Net interest margin | 3.8960% | 3,159 |
| Noninterest income to average assets | 0.3300% | 5,266 |
| Noninterest expense to average assets | 3.4523% | 2,139 |
| Loan and lease loss provision to assets | 0.0931% | 4,853 |
| Net operating income to assets | 0.4485% | 4,725 |
| Return on assets (ROA) | 0.4485% | 4,810 |
| Pretax return on assets | 0.4485% | 5,193 |
| Return on Equity (ROE) | 5.2005% | 4,291 |
| Retained earnings to average equity (ytd only) | 5.2005% | 3,057 |
| Net charge-offs to loans | 0.2030% | 3,291 |
| Credit loss provision to net charge-offs | 73.3333% | 3,293 |
| Earnings coverage of net charge-offs (x) | 4.2667% | 2,527 |
| Efficiency ratio | 85.8051% | 1,733 |
| Assets per employee ($millions) | 3.5808% | 4,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 5,780 |
| Loan loss allowance to noncurrent loans | 475.0000% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.1547% | 6,780 |
| Noncurrent loans to loans | 0.2457% | 6,495 |
| Net loans and leases to total assets | 62.2277% | 3,803 |
| Net loans and leases to deposits | 69.2146% | 4,488 |
| Net loans and leases to core deposits | 83.0881% | 3,295 |
| Total domestic deposits to total assets | 89.9055% | 1,204 |
| Equity capital to assets | 9.4758% | 4,472 |
| Core capital (leverage) ratio | 9.1309% | 4,396 |
| Tier 1 risk-based capital ratio | 14.3906% | 3,811 |
| Total risk-based capital ratio | 15.5373% | 3,835 |
| Memoranda: | ||
| Average total assets | $47,273,500 | 6,605 |
| Average earning assets | $44,455,500 | 6,548 |
| Average equity | $4,076,500 | 6,857 |
| Average total loans | $29,562,000 | 6,355 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6502% | 1,748 |
| Cost of funding earning assets | 1.5141% | 2,559 |
| Net interest margin | 4.1361% | 2,423 |
| Noninterest income to average assets | 0.5099% | 4,096 |
| Noninterest expense to average assets | 3.6197% | 1,878 |
| Loan and lease loss provision to assets | 0.1263% | 5,900 |
| Net operating income to assets | 0.6661% | 3,363 |
| Return on assets (ROA) | 0.4984% | 4,261 |
| Pretax return on assets | 0.4548% | 4,778 |
| Return on Equity (ROE) | 6.2346% | 3,491 |
| Retained earnings to average equity (ytd only) | 4.3671% | 2,788 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1767% | 2,143 |
| Assets per employee ($millions) | 3.1998% | 5,666 |
| Cash dividends to net income (ytd only)* | 29.9539% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 5,669 |
| 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 | 61.3955% | 4,422 |
| Net loans and leases to deposits | 67.0047% | 5,255 |
| Net loans and leases to core deposits | 77.0103% | 4,589 |
| Total domestic deposits to total assets | 91.6286% | 366 |
| Equity capital to assets | 7.7963% | 6,673 |
| Core capital (leverage) ratio | 8.0520% | 6,116 |
| Tier 1 risk-based capital ratio | 12.3382% | 5,172 |
| Total risk-based capital ratio | 13.4839% | 5,235 |
| Memoranda: | ||
| Average total assets | $43,540,000 | 6,751 |
| Average earning assets | $40,618,000 | 6,692 |
| Average equity | $3,480,600 | 7,139 |
| Average total loans | $29,492,400 | 6,421 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8153% | 1,352 |
| Cost of funding earning assets | 1.5731% | 2,538 |
| Net interest margin | 4.2422% | 2,062 |
| Noninterest income to average assets | 0.5405% | 3,858 |
| Noninterest expense to average assets | 3.6612% | 1,647 |
| Loan and lease loss provision to assets | 0.0723% | 6,338 |
| Net operating income to assets | 0.8077% | 2,967 |
| Return on assets (ROA) | 0.5751% | 4,144 |
| Pretax return on assets | 0.5154% | 4,875 |
| Return on Equity (ROE) | 7.1441% | 3,280 |
| Retained earnings to average equity (ytd only) | 4.6067% | 3,255 |
| Net charge-offs to loans | 0.0045% | 6,607 |
| Credit loss provision to net charge-offs | 2,300.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 261.6466% | 125 |
| Efficiency ratio | 81.6971% | 2,097 |
| Assets per employee ($millions) | 3.8048% | 4,256 |
| Cash dividends to net income (ytd only)* | 35.5178% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 6,214 |
| 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 | 65.4051% | 3,817 |
| Net loans and leases to deposits | 72.2211% | 4,810 |
| Net loans and leases to core deposits | 83.7550% | 3,985 |
| Total domestic deposits to total assets | 90.5622% | 615 |
| Equity capital to assets | 8.6558% | 6,090 |
| Core capital (leverage) ratio | 8.3878% | 5,720 |
| Tier 1 risk-based capital ratio | 12.0070% | 5,459 |
| Total risk-based capital ratio | 13.0263% | 5,641 |
| Memoranda: | ||
| Average total assets | $42,425,750 | 6,871 |
| Average earning assets | $39,412,250 | 6,817 |
| Average equity | $3,415,250 | 7,248 |
| Average total loans | $29,411,750 | 6,512 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0244% | 891 |
| Cost of funding earning assets | 1.6330% | 2,463 |
| Net interest margin | 4.3914% | 1,472 |
| Noninterest income to average assets | 0.5417% | 3,772 |
| Noninterest expense to average assets | 3.7002% | 1,558 |
| Loan and lease loss provision to assets | 0.0726% | 6,219 |
| Net operating income to assets | 0.9190% | 2,477 |
| Return on assets (ROA) | 0.5659% | 4,164 |
| Pretax return on assets | 0.4740% | 4,989 |
| Return on Equity (ROE) | 7.2304% | 3,202 |
| Retained earnings to average equity (ytd only) | 4.1405% | 3,436 |
| Net charge-offs to loans | 0.0069% | 6,265 |
| Credit loss provision to net charge-offs | 1,500.0000% | 263 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 183 |
| Efficiency ratio | 80.4416% | 2,379 |
| Assets per employee ($millions) | 3.5388% | 4,819 |
| Cash dividends to net income (ytd only)* | 42.7350% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 6,203 |
| 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 | 68.2044% | 3,312 |
| Net loans and leases to deposits | 74.5451% | 4,591 |
| Net loans and leases to core deposits | 85.5274% | 3,902 |
| Total domestic deposits to total assets | 91.4942% | 329 |
| Equity capital to assets | 7.7381% | 6,971 |
| Core capital (leverage) ratio | 8.0201% | 6,250 |
| Tier 1 risk-based capital ratio | 11.6294% | 5,647 |
| Total risk-based capital ratio | 12.6798% | 5,807 |
| Memoranda: | ||
| Average total assets | $41,348,670 | 6,948 |
| Average earning assets | $38,211,000 | 6,919 |
| Average equity | $3,236,330 | 7,343 |
| Average total loans | $29,157,000 | 6,568 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2401% | 586 |
| Cost of funding earning assets | 1.6505% | 2,647 |
| Net interest margin | 4.5896% | 971 |
| Noninterest income to average assets | 0.5590% | 3,578 |
| Noninterest expense to average assets | 3.2655% | 2,655 |
| Loan and lease loss provision to assets | 0.0686% | 5,949 |
| Net operating income to assets | 1.4513% | 980 |
| Return on assets (ROA) | 0.8728% | 2,745 |
| Pretax return on assets | 0.8728% | 3,570 |
| Return on Equity (ROE) | 11.0852% | 1,767 |
| Retained earnings to average equity (ytd only) | 4.8575% | 3,234 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2377% | 4,680 |
| Assets per employee ($millions) | 3.7811% | 4,354 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 6,329 |
| 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 | 69.1671% | 3,118 |
| Net loans and leases to deposits | 77.2606% | 4,174 |
| Net loans and leases to core deposits | 86.2428% | 3,858 |
| Total domestic deposits to total assets | 89.5244% | 1,230 |
| Equity capital to assets | 7.9991% | 6,652 |
| Core capital (leverage) ratio | 8.1752% | 5,949 |
| Tier 1 risk-based capital ratio | 11.2284% | 5,925 |
| Total risk-based capital ratio | 12.2276% | 6,147 |
| Memoranda: | ||
| Average total assets | $40,790,500 | 7,060 |
| Average earning assets | $37,563,500 | 7,032 |
| Average equity | $3,211,500 | 7,433 |
| Average total loans | $29,101,000 | 6,654 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7337% | 432 |
| Cost of funding earning assets | 1.8573% | 3,692 |
| Net interest margin | 4.8764% | 587 |
| Noninterest income to average assets | 0.3697% | 5,445 |
| Noninterest expense to average assets | 3.6162% | 2,109 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8768% | 2,258 |
| Return on assets (ROA) | 0.8768% | 2,320 |
| Pretax return on assets | 1.3204% | 1,637 |
| Return on Equity (ROE) | 8.8048% | 2,087 |
| Retained earnings to average equity (ytd only) | 7.7440% | 763 |
| Net charge-offs to loans | -0.0906% | 7,879 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2525% | 4,045 |
| Assets per employee ($millions) | 3.3324% | 5,422 |
| Cash dividends to net income (ytd only)* | 12.0482% | 3,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 6,368 |
| 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 | 72.1273% | 2,729 |
| Net loans and leases to deposits | 79.2042% | 4,135 |
| Net loans and leases to core deposits | 101.4920% | 3,847 |
| Total domestic deposits to total assets | 91.0650% | 513 |
| Equity capital to assets | 7.7421% | 6,821 |
| Core capital (leverage) ratio | 12.2692% | 1,547 |
| Tier 1 risk-based capital ratio | 9.8526% | 6,984 |
| Total risk-based capital ratio | 10.7186% | 7,223 |
| Memoranda: | ||
| Average total assets | $28,399,800 | 7,529 |
| Average earning assets | $26,597,400 | 7,478 |
| Average equity | $2,828,000 | 7,637 |
| Average total loans | $22,081,600 | 7,084 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3457% | 176 |
| Cost of funding earning assets | 1.9993% | 3,361 |
| Net interest margin | 5.3463% | 234 |
| Noninterest income to average assets | 0.3869% | 5,420 |
| Noninterest expense to average assets | 3.2153% | 3,253 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4377% | 950 |
| Return on assets (ROA) | 1.4377% | 1,009 |
| Pretax return on assets | 2.2324% | 323 |
| Return on Equity (ROE) | 13.2800% | 1,050 |
| Retained earnings to average equity (ytd only) | 11.8312% | 363 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0211% | 6,566 |
| Assets per employee ($millions) | 4.7605% | 2,458 |
| Cash dividends to net income (ytd only)* | 10.9093% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 5,497 |
| Loan loss allowance to noncurrent loans | 284.2697% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.3116% | 6,703 |
| Noncurrent loans to loans | 0.3999% | 6,540 |
| Net loans and leases to total assets | 77.0227% | 1,783 |
| Net loans and leases to deposits | 89.4673% | 2,682 |
| Net loans and leases to core deposits | 139.9224% | 917 |
| Total domestic deposits to total assets | 86.0904% | 2,660 |
| Equity capital to assets | 10.8952% | 3,120 |
| Core capital (leverage) ratio | 12.0464% | 1,785 |
| Tier 1 risk-based capital ratio | 13.4664% | 3,875 |
| Total risk-based capital ratio | 14.4846% | 3,975 |
| Memoranda: | ||
| Average total assets | $25,502,500 | 7,700 |
| Average earning assets | $24,140,500 | 7,645 |
| Average equity | $2,761,000 | 7,729 |
| Average total loans | $20,318,250 | 7,239 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5178% | 150 |
| Cost of funding earning assets | 2.1306% | 3,128 |
| Net interest margin | 5.3871% | 214 |
| Noninterest income to average assets | 0.3921% | 5,359 |
| Noninterest expense to average assets | 3.1778% | 3,400 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5276% | 790 |
| Return on assets (ROA) | 1.5276% | 845 |
| Pretax return on assets | 2.2955% | 301 |
| Return on Equity (ROE) | 14.1452% | 966 |
| Retained earnings to average equity (ytd only) | 11.8759% | 465 |
| Net charge-offs to loans | 0.0610% | 5,646 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 46.8333% | 724 |
| Efficiency ratio | 58.0597% | 6,856 |
| Assets per employee ($millions) | 4.3035% | 3,110 |
| Cash dividends to net income (ytd only)* | 16.0428% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 5,078 |
| Loan loss allowance to noncurrent loans | 1,300.0000% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0736% | 7,399 |
| Noncurrent loans to loans | 0.0908% | 7,299 |
| Net loans and leases to total assets | 80.1131% | 1,300 |
| Net loans and leases to deposits | 92.9791% | 2,278 |
| Net loans and leases to core deposits | 128.7884% | 1,665 |
| Total domestic deposits to total assets | 86.1624% | 2,699 |
| Equity capital to assets | 10.5457% | 3,346 |
| Core capital (leverage) ratio | 12.0565% | 1,809 |
| Tier 1 risk-based capital ratio | 13.3827% | 3,875 |
| Total risk-based capital ratio | 14.4768% | 3,899 |
| Memoranda: | ||
| Average total assets | $24,482,330 | 7,804 |
| Average earning assets | $23,092,000 | 7,764 |
| Average equity | $2,644,000 | 7,840 |
| Average total loans | $19,673,330 | 7,347 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0967% | 86 |
| Cost of funding earning assets | 2.7049% | 1,257 |
| Net interest margin | 5.3918% | 204 |
| Noninterest income to average assets | 0.3527% | 5,618 |
| Noninterest expense to average assets | 2.7716% | 4,691 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5958% | 791 |
| Return on assets (ROA) | 1.5958% | 865 |
| Pretax return on assets | 2.6036% | 216 |
| Return on Equity (ROE) | 14.5901% | 1,055 |
| Retained earnings to average equity (ytd only) | 14.5901% | 461 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5625% | 7,462 |
| Assets per employee ($millions) | 4.0338% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2778% | 4,219 |
| Loan loss allowance to noncurrent loans | 372.0588% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 6,669 |
| Noncurrent loans to loans | 0.3435% | 6,573 |
| Net loans and leases to total assets | 80.7586% | 1,242 |
| Net loans and leases to deposits | 93.9395% | 2,274 |
| Net loans and leases to core deposits | 130.2199% | 1,644 |
| Total domestic deposits to total assets | 85.9687% | 2,742 |
| Equity capital to assets | 10.7301% | 3,258 |
| Core capital (leverage) ratio | 12.2408% | 1,795 |
| Tier 1 risk-based capital ratio | 14.3058% | 3,428 |
| Total risk-based capital ratio | 15.5293% | 3,369 |
| Memoranda: | ||
| Average total assets | $23,813,000 | 7,869 |
| Average earning assets | $22,182,000 | 7,837 |
| Average equity | $2,604,500 | 7,907 |
| Average total loans | $19,043,500 | 7,433 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4294% | 3,281 |
| Cost of funding earning assets | 2.6965% | 3,171 |
| Net interest margin | 3.7328% | 4,311 |
| Noninterest income to average assets | 1.7762% | 431 |
| Noninterest expense to average assets | 3.7832% | 1,788 |
| Loan and lease loss provision to assets | 0.4716% | 2,943 |
| Net operating income to assets | 0.7275% | 3,764 |
| Return on assets (ROA) | 0.7275% | 3,600 |
| Pretax return on assets | 1.0637% | 3,166 |
| Return on Equity (ROE) | 5.2121% | 4,279 |
| Retained earnings to average equity (ytd only) | 2.6959% | 3,502 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1321% | 4,102 |
| Assets per employee ($millions) | 4.6846% | 2,354 |
| Cash dividends to net income (ytd only)* | 48.2759% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 3,319 |
| Loan loss allowance to noncurrent loans | 2,290.9091% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0470% | 7,396 |
| Noncurrent loans to loans | 0.0601% | 7,267 |
| Net loans and leases to total assets | 77.0012% | 2,379 |
| Net loans and leases to deposits | 92.7587% | 3,006 |
| Net loans and leases to core deposits | 123.5004% | 2,358 |
| Total domestic deposits to total assets | 83.0124% | 3,770 |
| Equity capital to assets | 11.1514% | 2,921 |
| Core capital (leverage) ratio | 12.9321% | 1,565 |
| Tier 1 risk-based capital ratio | 14.7518% | 3,170 |
| Total risk-based capital ratio | 16.0507% | 3,063 |
| Memoranda: | ||
| Average total assets | $19,930,200 | 8,016 |
| Average earning assets | $18,913,200 | 7,972 |
| Average equity | $2,782,000 | 7,899 |
| Average total loans | $14,351,600 | 7,686 |