Home > Dilley State Bank > Performance and Condition Ratios
Dilley State Bank, Performance and Condition Ratios
| 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 | 1.5692% | 4,824 |
| Cost of funding earning assets | 0.0710% | 4,686 |
| Net interest margin | 1.4982% | 4,805 |
| Noninterest income to average assets | 0.1774% | 4,314 |
| Noninterest expense to average assets | 1.0925% | 4,816 |
| Loan and lease loss provision to assets | 0.1293% | 902 |
| Net operating income to assets | 0.3810% | 4,398 |
| Return on assets (ROA) | 0.3810% | 4,431 |
| Pretax return on assets | 0.3810% | 4,513 |
| Return on Equity (ROE) | 3.7305% | 4,345 |
| Retained earnings to average equity (ytd only) | 3.7305% | 3,667 |
| Net charge-offs to loans | -0.0468% | 4,331 |
| Credit loss provision to net charge-offs | -1,600.0000% | 3,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1761% | 1,798 |
| Assets per employee ($millions) | 9.0306% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7466% | 4,427 |
| Loan loss allowance to noncurrent loans | 4,225.0000% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 4,249 |
| Noncurrent loans to loans | 0.0177% | 4,071 |
| Net loans and leases to total assets | 17.7714% | 4,814 |
| Net loans and leases to deposits | 19.9710% | 4,819 |
| Net loans and leases to core deposits | 21.2188% | 4,815 |
| Total domestic deposits to total assets | 88.9858% | 1,281 |
| Equity capital to assets | 10.9723% | 2,041 |
| Core capital (leverage) ratio | 9.7948% | 2,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2344% | 2,918 |
| Memoranda: | ||
| Average total assets | $132,297,500 | 3,693 |
| Average earning assets | $125,833,000 | 3,652 |
| Average equity | $13,510,000 | 3,840 |
| Average total loans | $22,775,500 | 4,577 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5760% | 4,862 |
| Cost of funding earning assets | 0.0748% | 4,717 |
| Net interest margin | 1.5012% | 4,843 |
| Noninterest income to average assets | 0.1743% | 4,335 |
| Noninterest expense to average assets | 1.0949% | 4,848 |
| Loan and lease loss provision to assets | 0.1862% | 610 |
| Net operating income to assets | 0.3277% | 4,493 |
| Return on assets (ROA) | 0.3277% | 4,516 |
| Pretax return on assets | 0.3277% | 4,562 |
| Return on Equity (ROE) | 3.2862% | 4,432 |
| Retained earnings to average equity (ytd only) | 3.2862% | 3,747 |
| Net charge-offs to loans | -0.0438% | 4,308 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0556% | 1,875 |
| Assets per employee ($millions) | 8.5379% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5950% | 4,661 |
| Loan loss allowance to noncurrent loans | 2,716.6667% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 4,292 |
| Noncurrent loans to loans | 0.0219% | 4,113 |
| Net loans and leases to total assets | 21.2635% | 4,817 |
| Net loans and leases to deposits | 23.7002% | 4,832 |
| Net loans and leases to core deposits | 25.0315% | 4,828 |
| Total domestic deposits to total assets | 89.7188% | 910 |
| Equity capital to assets | 10.2414% | 2,625 |
| Core capital (leverage) ratio | 9.6548% | 2,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,254,000 | 3,691 |
| Average earning assets | $128,300,000 | 3,646 |
| Average equity | $13,389,333 | 3,854 |
| Average total loans | $22,821,667 | 4,614 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4632% | 4,905 |
| Cost of funding earning assets | 0.0852% | 4,724 |
| Net interest margin | 1.3780% | 4,893 |
| Noninterest income to average assets | 0.1777% | 4,309 |
| Noninterest expense to average assets | 1.1562% | 4,870 |
| Loan and lease loss provision to assets | 0.0146% | 2,594 |
| Net operating income to assets | 0.3262% | 4,483 |
| Return on assets (ROA) | 0.3262% | 4,518 |
| Pretax return on assets | 0.3262% | 4,573 |
| Return on Equity (ROE) | 3.3121% | 4,410 |
| Retained earnings to average equity (ytd only) | 3.3121% | 3,683 |
| Net charge-offs to loans | -0.0584% | 4,458 |
| Credit loss provision to net charge-offs | -166.6667% | 2,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2374% | 1,025 |
| Assets per employee ($millions) | 8.9366% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1547% | 4,911 |
| Loan loss allowance to noncurrent loans | 292.8571% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 4,310 |
| Noncurrent loans to loans | 0.0528% | 4,026 |
| Net loans and leases to total assets | 19.7435% | 4,862 |
| Net loans and leases to deposits | 21.8212% | 4,870 |
| Net loans and leases to core deposits | 22.9783% | 4,868 |
| Total domestic deposits to total assets | 90.4789% | 590 |
| Equity capital to assets | 9.4921% | 3,211 |
| Core capital (leverage) ratio | 9.6636% | 2,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,346,500 | 3,668 |
| Average earning assets | $131,495,500 | 3,617 |
| Average equity | $13,526,000 | 3,841 |
| Average total loans | $20,535,000 | 4,679 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0337% | 4,997 |
| Cost of funding earning assets | 0.0051% | 4,983 |
| Net interest margin | 0.0285% | 4,995 |
| Noninterest income to average assets | 0.0107% | 4,937 |
| Noninterest expense to average assets | 0.0928% | 4,994 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.0542% | 4,760 |
| Return on assets (ROA) | -0.0578% | 4,793 |
| Pretax return on assets | -0.0578% | 4,783 |
| Return on Equity (ROE) | -0.3736% | 4,789 |
| Retained earnings to average equity (ytd only) | -0.3736% | 4,574 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 240.7407% | 13 |
| Assets per employee ($millions) | 9.3404% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,951 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 4,349 |
| Noncurrent loans to loans | 0.1273% | 3,773 |
| Net loans and leases to total assets | 10.0895% | 4,942 |
| Net loans and leases to deposits | 11.1931% | 4,950 |
| Net loans and leases to core deposits | 11.7917% | 4,942 |
| Total domestic deposits to total assets | 90.1403% | 509 |
| Equity capital to assets | 9.8333% | 3,280 |
| Core capital (leverage) ratio | 8.4681% | 4,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3627% | 280 |
| Memoranda: | ||
| Average total assets | $140,149,200 | 3,510 |
| Average earning assets | $136,701,000 | 3,423 |
| Average equity | $21,682,600 | 3,041 |
| Average total loans | $16,107,600 | 4,784 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6506% | 4,990 |
| Cost of funding earning assets | 0.2185% | 4,611 |
| Net interest margin | 1.4321% | 4,969 |
| Noninterest income to average assets | 0.1988% | 4,284 |
| Noninterest expense to average assets | 1.3403% | 4,890 |
| Loan and lease loss provision to assets | 0.0078% | 4,196 |
| Net operating income to assets | 0.2540% | 4,517 |
| Return on assets (ROA) | 0.2559% | 4,560 |
| Pretax return on assets | 0.2559% | 4,601 |
| Return on Equity (ROE) | 1.5159% | 4,618 |
| Retained earnings to average equity (ytd only) | -0.1747% | 4,501 |
| Net charge-offs to loans | -0.0402% | 4,615 |
| Credit loss provision to net charge-offs | -160.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6698% | 629 |
| Assets per employee ($millions) | 8.1701% | 941 |
| Cash dividends to net income (ytd only)* | 111.5242% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9203% | 4,006 |
| Loan loss allowance to noncurrent loans | 304.4444% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 4,295 |
| Noncurrent loans to loans | 0.3023% | 3,197 |
| Net loans and leases to total assets | 10.6198% | 4,975 |
| Net loans and leases to deposits | 12.9197% | 4,977 |
| Net loans and leases to core deposits | 13.6845% | 4,970 |
| Total domestic deposits to total assets | 82.1990% | 3,367 |
| Equity capital to assets | 17.3049% | 345 |
| Core capital (leverage) ratio | 16.0880% | 411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.3472% | 82 |
| Memoranda: | ||
| Average total assets | $140,160,000 | 3,495 |
| Average earning assets | $137,323,000 | 3,397 |
| Average equity | $23,659,000 | 2,894 |
| Average total loans | $16,600,500 | 4,809 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8209% | 5,027 |
| Cost of funding earning assets | 0.2583% | 4,599 |
| Net interest margin | 1.5627% | 5,010 |
| Noninterest income to average assets | 0.2020% | 4,265 |
| Noninterest expense to average assets | 1.3359% | 4,930 |
| Loan and lease loss provision to assets | 0.0114% | 4,076 |
| Net operating income to assets | 0.3870% | 4,259 |
| Return on assets (ROA) | 0.3898% | 4,312 |
| Pretax return on assets | 0.3898% | 4,429 |
| Return on Equity (ROE) | 2.3286% | 4,466 |
| Retained earnings to average equity (ytd only) | -0.2210% | 4,351 |
| Net charge-offs to loans | -0.0349% | 4,584 |
| Credit loss provision to net charge-offs | -266.6667% | 3,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0304% | 1,152 |
| Assets per employee ($millions) | 7.9835% | 973 |
| Cash dividends to net income (ytd only)* | 109.4891% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8549% | 4,172 |
| Loan loss allowance to noncurrent loans | 453.3333% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 4,449 |
| Noncurrent loans to loans | 0.1886% | 3,705 |
| Net loans and leases to total assets | 10.9761% | 5,010 |
| Net loans and leases to deposits | 13.2530% | 5,009 |
| Net loans and leases to core deposits | 13.8777% | 5,002 |
| Total domestic deposits to total assets | 82.8201% | 3,136 |
| Equity capital to assets | 16.6872% | 403 |
| Core capital (leverage) ratio | 16.8131% | 364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.7172% | 79 |
| Memoranda: | ||
| Average total assets | $140,583,000 | 3,476 |
| Average earning assets | $137,840,667 | 3,375 |
| Average equity | $23,533,667 | 2,890 |
| Average total loans | $17,171,667 | 4,826 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1616% | 5,075 |
| Cost of funding earning assets | 0.3377% | 4,558 |
| Net interest margin | 1.8238% | 5,041 |
| Noninterest income to average assets | 0.2417% | 4,112 |
| Noninterest expense to average assets | 1.3580% | 4,983 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6704% | 3,366 |
| Return on assets (ROA) | 0.6761% | 3,416 |
| Pretax return on assets | 0.6761% | 3,753 |
| Return on Equity (ROE) | 4.0325% | 3,941 |
| Retained earnings to average equity (ytd only) | -1.1154% | 4,157 |
| Net charge-offs to loans | -0.0449% | 4,601 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9504% | 2,827 |
| Assets per employee ($millions) | 7.7931% | 803 |
| Cash dividends to net income (ytd only)* | 127.6596% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7627% | 4,484 |
| Loan loss allowance to noncurrent loans | 700.0000% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 4,585 |
| Noncurrent loans to loans | 0.1090% | 4,080 |
| Net loans and leases to total assets | 11.6870% | 5,053 |
| Net loans and leases to deposits | 14.1044% | 5,052 |
| Net loans and leases to core deposits | 14.7831% | 5,046 |
| Total domestic deposits to total assets | 82.8602% | 3,150 |
| Equity capital to assets | 16.6892% | 481 |
| Core capital (leverage) ratio | 16.9510% | 418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,023,000 | 3,466 |
| Average earning assets | $136,198,000 | 3,371 |
| Average equity | $23,310,500 | 2,904 |
| Average total loans | $17,803,000 | 4,849 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7241% | 5,104 |
| Cost of funding earning assets | 0.3381% | 4,630 |
| Net interest margin | 2.3860% | 5,015 |
| Noninterest income to average assets | 0.2504% | 4,180 |
| Noninterest expense to average assets | 1.5416% | 4,984 |
| Loan and lease loss provision to assets | 0.0053% | 3,903 |
| Net operating income to assets | 0.8397% | 3,419 |
| Return on assets (ROA) | 0.8545% | 3,466 |
| Pretax return on assets | 1.0423% | 3,356 |
| Return on Equity (ROE) | 5.2334% | 4,151 |
| Retained earnings to average equity (ytd only) | 3.8477% | 3,046 |
| Net charge-offs to loans | 0.0753% | 2,017 |
| Credit loss provision to net charge-offs | 53.8462% | 3,095 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 656 |
| Efficiency ratio | 59.9589% | 3,704 |
| Assets per employee ($millions) | 7.6539% | 812 |
| Cash dividends to net income (ytd only)* | 26.4784% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6497% | 4,657 |
| Loan loss allowance to noncurrent loans | 516.6667% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 4,571 |
| Noncurrent loans to loans | 0.1257% | 4,022 |
| Net loans and leases to total assets | 13.7635% | 5,106 |
| Net loans and leases to deposits | 16.6298% | 5,109 |
| Net loans and leases to core deposits | 17.5369% | 5,104 |
| Total domestic deposits to total assets | 82.7640% | 3,283 |
| Equity capital to assets | 16.8469% | 487 |
| Core capital (leverage) ratio | 16.7425% | 440 |
| Tier 1 risk-based capital ratio | 55.7199% | 109 |
| Total risk-based capital ratio | 56.0171% | 110 |
| Memoranda: | ||
| Average total assets | $132,592,800 | 3,531 |
| Average earning assets | $128,958,000 | 3,442 |
| Average equity | $21,649,200 | 2,990 |
| Average total loans | $17,259,400 | 4,925 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8111% | 5,180 |
| Cost of funding earning assets | 0.3327% | 4,713 |
| Net interest margin | 2.4784% | 5,072 |
| Noninterest income to average assets | 0.2508% | 4,238 |
| Noninterest expense to average assets | 1.5689% | 5,028 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8388% | 3,549 |
| Return on assets (ROA) | 0.8540% | 3,584 |
| Pretax return on assets | 1.1069% | 3,276 |
| Return on Equity (ROE) | 5.2745% | 4,246 |
| Retained earnings to average equity (ytd only) | 3.3930% | 3,708 |
| Net charge-offs to loans | 0.1428% | 1,136 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 59.4983% | 1,063 |
| Efficiency ratio | 59.0596% | 3,796 |
| Assets per employee ($millions) | 7.4879% | 846 |
| Cash dividends to net income (ytd only)* | 35.6717% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6234% | 4,771 |
| Loan loss allowance to noncurrent loans | 1,120.0000% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 4,728 |
| Noncurrent loans to loans | 0.0557% | 4,388 |
| Net loans and leases to total assets | 13.2473% | 5,188 |
| Net loans and leases to deposits | 15.9927% | 5,189 |
| Net loans and leases to core deposits | 16.5694% | 5,185 |
| Total domestic deposits to total assets | 82.8338% | 3,217 |
| Equity capital to assets | 16.7515% | 512 |
| Core capital (leverage) ratio | 16.8106% | 461 |
| Tier 1 risk-based capital ratio | 52.3410% | 121 |
| Total risk-based capital ratio | 52.6013% | 124 |
| Memoranda: | ||
| Average total assets | $131,298,500 | 3,580 |
| Average earning assets | $127,444,750 | 3,500 |
| Average equity | $21,259,000 | 3,044 |
| Average total loans | $16,802,750 | 5,007 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8675% | 5,233 |
| Cost of funding earning assets | 0.3181% | 4,775 |
| Net interest margin | 2.5495% | 5,102 |
| Noninterest income to average assets | 0.2520% | 4,245 |
| Noninterest expense to average assets | 1.5937% | 5,062 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8912% | 3,319 |
| Return on assets (ROA) | 0.9021% | 3,343 |
| Pretax return on assets | 1.1480% | 3,087 |
| Return on Equity (ROE) | 5.6390% | 4,167 |
| Retained earnings to average equity (ytd only) | 2.7571% | 3,828 |
| Net charge-offs to loans | -0.0122% | 4,382 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4225% | 3,950 |
| Assets per employee ($millions) | 7.0685% | 970 |
| Cash dividends to net income (ytd only)* | 51.1073% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7981% | 4,447 |
| Loan loss allowance to noncurrent loans | 354.0541% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 4,638 |
| Noncurrent loans to loans | 0.2254% | 3,734 |
| Net loans and leases to total assets | 12.1243% | 5,244 |
| Net loans and leases to deposits | 14.5414% | 5,244 |
| Net loans and leases to core deposits | 15.0633% | 5,239 |
| Total domestic deposits to total assets | 83.3776% | 3,085 |
| Equity capital to assets | 16.2441% | 577 |
| Core capital (leverage) ratio | 16.9041% | 440 |
| Tier 1 risk-based capital ratio | 54.0355% | 115 |
| Total risk-based capital ratio | 54.3498% | 117 |
| Memoranda: | ||
| Average total assets | $130,137,330 | 3,617 |
| Average earning assets | $126,380,000 | 3,531 |
| Average equity | $20,819,330 | 3,072 |
| Average total loans | $16,414,670 | 5,055 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9565% | 5,282 |
| Cost of funding earning assets | 0.2960% | 4,864 |
| Net interest margin | 2.6605% | 5,094 |
| Noninterest income to average assets | 0.2655% | 4,105 |
| Noninterest expense to average assets | 1.5306% | 5,144 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0371% | 2,710 |
| Return on assets (ROA) | 1.0371% | 2,751 |
| Pretax return on assets | 1.3182% | 2,381 |
| Return on Equity (ROE) | 6.5351% | 3,831 |
| Retained earnings to average equity (ytd only) | 0.6299% | 4,402 |
| Net charge-offs to loans | -0.0244% | 4,571 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7281% | 4,557 |
| Assets per employee ($millions) | 6.5323% | 1,224 |
| Cash dividends to net income (ytd only)* | 90.3614% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7806% | 4,578 |
| Loan loss allowance to noncurrent loans | 251.9231% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 4,636 |
| Noncurrent loans to loans | 0.3099% | 3,458 |
| Net loans and leases to total assets | 12.7445% | 5,303 |
| Net loans and leases to deposits | 15.2270% | 5,300 |
| Net loans and leases to core deposits | 15.6827% | 5,296 |
| Total domestic deposits to total assets | 83.6963% | 3,148 |
| Equity capital to assets | 15.9141% | 587 |
| Core capital (leverage) ratio | 16.9279% | 429 |
| Tier 1 risk-based capital ratio | 55.0839% | 109 |
| Total risk-based capital ratio | 55.4079% | 114 |
| Memoranda: | ||
| Average total assets | $128,055,500 | 3,680 |
| Average earning assets | $124,335,500 | 3,596 |
| Average equity | $20,321,000 | 3,125 |
| Average total loans | $16,415,000 | 5,117 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7311% | 5,307 |
| Cost of funding earning assets | 0.1871% | 5,053 |
| Net interest margin | 2.5440% | 5,191 |
| Noninterest income to average assets | 0.2938% | 4,141 |
| Noninterest expense to average assets | 1.7053% | 5,086 |
| Loan and lease loss provision to assets | -0.0454% | 5,189 |
| Net operating income to assets | 0.8783% | 3,505 |
| Return on assets (ROA) | 0.8789% | 3,494 |
| Pretax return on assets | 1.1026% | 3,259 |
| Return on Equity (ROE) | 5.6092% | 4,287 |
| Retained earnings to average equity (ytd only) | 4.0850% | 3,310 |
| Net charge-offs to loans | 0.0995% | 1,769 |
| Credit loss provision to net charge-offs | -335.2941% | 4,561 |
| Earnings coverage of net charge-offs (x) | 78.0588% | 870 |
| Efficiency ratio | 61.7469% | 3,573 |
| Assets per employee ($millions) | 6.2733% | 1,340 |
| Cash dividends to net income (ytd only)* | 27.1739% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8100% | 4,502 |
| Loan loss allowance to noncurrent loans | 260.0000% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 4,648 |
| Noncurrent loans to loans | 0.3115% | 3,436 |
| Net loans and leases to total assets | 12.6879% | 5,343 |
| Net loans and leases to deposits | 15.1297% | 5,342 |
| Net loans and leases to core deposits | 15.5862% | 5,338 |
| Total domestic deposits to total assets | 83.8610% | 3,045 |
| Equity capital to assets | 15.8218% | 563 |
| Core capital (leverage) ratio | 17.7283% | 355 |
| Tier 1 risk-based capital ratio | 56.1621% | 99 |
| Total risk-based capital ratio | 56.4904% | 101 |
| Memoranda: | ||
| Average total assets | $125,611,400 | 3,705 |
| Average earning assets | $121,856,200 | 3,616 |
| Average equity | $19,681,800 | 3,110 |
| Average total loans | $17,093,800 | 5,149 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7001% | 5,378 |
| Cost of funding earning assets | 0.1729% | 5,126 |
| Net interest margin | 2.5272% | 5,266 |
| Noninterest income to average assets | 0.2939% | 4,182 |
| Noninterest expense to average assets | 1.7000% | 5,132 |
| Loan and lease loss provision to assets | -0.0318% | 5,262 |
| Net operating income to assets | 0.8640% | 3,685 |
| Return on assets (ROA) | 0.8648% | 3,687 |
| Pretax return on assets | 1.0781% | 3,473 |
| Return on Equity (ROE) | 5.5329% | 4,410 |
| Retained earnings to average equity (ytd only) | 3.4963% | 4,022 |
| Net charge-offs to loans | 0.0999% | 1,494 |
| Credit loss provision to net charge-offs | -230.7692% | 4,355 |
| Earnings coverage of net charge-offs (x) | 75.7819% | 905 |
| Efficiency ratio | 61.9250% | 3,521 |
| Assets per employee ($millions) | 6.0837% | 1,435 |
| Cash dividends to net income (ytd only)* | 36.8098% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 3,586 |
| Loan loss allowance to noncurrent loans | 77.1429% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 4,087 |
| Noncurrent loans to loans | 1.3343% | 1,249 |
| Net loans and leases to total assets | 12.8022% | 5,415 |
| Net loans and leases to deposits | 15.2870% | 5,416 |
| Net loans and leases to core deposits | 15.7638% | 5,413 |
| Total domestic deposits to total assets | 83.7459% | 3,029 |
| Equity capital to assets | 15.9073% | 560 |
| Core capital (leverage) ratio | 17.5592% | 366 |
| Tier 1 risk-based capital ratio | 58.2435% | 90 |
| Total risk-based capital ratio | 58.6735% | 91 |
| Memoranda: | ||
| Average total assets | $125,647,750 | 3,738 |
| Average earning assets | $121,869,250 | 3,649 |
| Average equity | $19,639,500 | 3,140 |
| Average total loans | $17,355,000 | 5,202 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6621% | 5,443 |
| Cost of funding earning assets | 0.1689% | 5,159 |
| Net interest margin | 2.4932% | 5,348 |
| Noninterest income to average assets | 0.2788% | 4,323 |
| Noninterest expense to average assets | 1.6933% | 5,204 |
| Loan and lease loss provision to assets | -0.0473% | 5,374 |
| Net operating income to assets | 0.8131% | 3,816 |
| Return on assets (ROA) | 0.8144% | 3,815 |
| Pretax return on assets | 1.0522% | 3,508 |
| Return on Equity (ROE) | 5.2396% | 4,479 |
| Retained earnings to average equity (ytd only) | 2.1992% | 4,402 |
| Net charge-offs to loans | 0.0559% | 1,806 |
| Credit loss provision to net charge-offs | -600.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | 127.4000% | 592 |
| Efficiency ratio | 62.7921% | 3,519 |
| Assets per employee ($millions) | 6.0942% | 1,404 |
| Cash dividends to net income (ytd only)* | 58.0271% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9146% | 4,273 |
| Loan loss allowance to noncurrent loans | 90.8602% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 4,264 |
| Noncurrent loans to loans | 1.0065% | 1,739 |
| Net loans and leases to total assets | 14.3071% | 5,476 |
| Net loans and leases to deposits | 16.9008% | 5,478 |
| Net loans and leases to core deposits | 17.3954% | 5,477 |
| Total domestic deposits to total assets | 84.6536% | 2,817 |
| Equity capital to assets | 15.0182% | 681 |
| Core capital (leverage) ratio | 16.7759% | 420 |
| Tier 1 risk-based capital ratio | 51.4743% | 123 |
| Total risk-based capital ratio | 51.8762% | 123 |
| Memoranda: | ||
| Average total assets | $126,972,330 | 3,748 |
| Average earning assets | $123,133,670 | 3,654 |
| Average equity | $19,734,330 | 3,154 |
| Average total loans | $17,893,670 | 5,241 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6242% | 5,503 |
| Cost of funding earning assets | 0.1767% | 5,131 |
| Net interest margin | 2.4475% | 5,425 |
| Noninterest income to average assets | 0.3131% | 4,058 |
| Noninterest expense to average assets | 1.7649% | 5,188 |
| Loan and lease loss provision to assets | -0.0949% | 5,505 |
| Net operating income to assets | 0.8476% | 3,514 |
| Return on assets (ROA) | 0.8476% | 3,532 |
| Pretax return on assets | 1.0089% | 3,502 |
| Return on Equity (ROE) | 5.3623% | 4,368 |
| Retained earnings to average equity (ytd only) | -0.6403% | 4,874 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8796% | 3,185 |
| Assets per employee ($millions) | 6.1011% | 1,429 |
| Cash dividends to net income (ytd only)* | 111.9403% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 3,977 |
| Loan loss allowance to noncurrent loans | 142.6230% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 4,622 |
| Noncurrent loans to loans | 0.6999% | 2,459 |
| Net loans and leases to total assets | 13.4699% | 5,539 |
| Net loans and leases to deposits | 15.9066% | 5,540 |
| Net loans and leases to core deposits | 16.4190% | 5,537 |
| Total domestic deposits to total assets | 84.6811% | 3,038 |
| Equity capital to assets | 14.9911% | 675 |
| Core capital (leverage) ratio | 17.0453% | 378 |
| Tier 1 risk-based capital ratio | 52.2258% | 120 |
| Total risk-based capital ratio | 52.6505% | 121 |
| Memoranda: | ||
| Average total assets | $126,469,500 | 3,785 |
| Average earning assets | $122,246,000 | 3,708 |
| Average equity | $19,991,500 | 3,157 |
| Average total loans | $17,601,000 | 5,308 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5083% | 5,550 |
| Cost of funding earning assets | 0.1748% | 5,124 |
| Net interest margin | 2.3335% | 5,496 |
| Noninterest income to average assets | 0.3239% | 4,150 |
| Noninterest expense to average assets | 1.5728% | 5,435 |
| Loan and lease loss provision to assets | 0.0121% | 4,046 |
| Net operating income to assets | 0.6736% | 3,717 |
| Return on assets (ROA) | 0.6736% | 3,768 |
| Pretax return on assets | 0.9870% | 3,628 |
| Return on Equity (ROE) | 4.0799% | 4,479 |
| Retained earnings to average equity (ytd only) | 3.1038% | 3,437 |
| Net charge-offs to loans | 0.0440% | 2,909 |
| Credit loss provision to net charge-offs | 214.2857% | 1,268 |
| Earnings coverage of net charge-offs (x) | 177.1429% | 435 |
| Efficiency ratio | 61.1529% | 4,089 |
| Assets per employee ($millions) | 5.9436% | 1,555 |
| Cash dividends to net income (ytd only)* | 23.9234% | 3,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 3,073 |
| Loan loss allowance to noncurrent loans | 485.7143% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 4,972 |
| Noncurrent loans to loans | 0.2364% | 3,958 |
| Net loans and leases to total assets | 14.0735% | 5,608 |
| Net loans and leases to deposits | 16.9410% | 5,610 |
| Net loans and leases to core deposits | 17.5210% | 5,606 |
| Total domestic deposits to total assets | 83.0735% | 3,536 |
| Equity capital to assets | 16.6453% | 435 |
| Core capital (leverage) ratio | 17.2852% | 349 |
| Tier 1 risk-based capital ratio | 53.5790% | 103 |
| Total risk-based capital ratio | 54.0891% | 106 |
| Memoranda: | ||
| Average total assets | $124,113,200 | 3,837 |
| Average earning assets | $119,564,400 | 3,752 |
| Average equity | $20,490,800 | 3,085 |
| Average total loans | $15,896,600 | 5,423 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4883% | 5,619 |
| Cost of funding earning assets | 0.1765% | 5,153 |
| Net interest margin | 2.3118% | 5,566 |
| Noninterest income to average assets | 0.3313% | 4,167 |
| Noninterest expense to average assets | 1.5319% | 5,497 |
| Loan and lease loss provision to assets | 0.0161% | 3,821 |
| Net operating income to assets | 0.6713% | 4,115 |
| Return on assets (ROA) | 0.6713% | 4,171 |
| Pretax return on assets | 1.0091% | 3,652 |
| Return on Equity (ROE) | 4.0744% | 4,833 |
| Retained earnings to average equity (ytd only) | 2.7685% | 4,251 |
| Net charge-offs to loans | 0.0173% | 3,160 |
| Credit loss provision to net charge-offs | 750.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 475.8914% | 208 |
| Efficiency ratio | 59.9074% | 4,235 |
| Assets per employee ($millions) | 5.9702% | 1,518 |
| Cash dividends to net income (ytd only)* | 32.0513% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 2,190 |
| Loan loss allowance to noncurrent loans | 360.3448% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 5,000 |
| Noncurrent loans to loans | 0.3700% | 3,629 |
| Net loans and leases to total assets | 12.3359% | 5,681 |
| Net loans and leases to deposits | 14.8583% | 5,684 |
| Net loans and leases to core deposits | 15.3647% | 5,679 |
| Total domestic deposits to total assets | 83.0236% | 3,444 |
| Equity capital to assets | 16.6821% | 462 |
| Core capital (leverage) ratio | 17.0323% | 380 |
| Tier 1 risk-based capital ratio | 56.4959% | 95 |
| Total risk-based capital ratio | 57.0520% | 96 |
| Memoranda: | ||
| Average total assets | $123,937,500 | 3,878 |
| Average earning assets | $119,329,250 | 3,794 |
| Average equity | $20,419,500 | 3,115 |
| Average total loans | $15,428,250 | 5,490 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4631% | 5,668 |
| Cost of funding earning assets | 0.1788% | 5,149 |
| Net interest margin | 2.2843% | 5,615 |
| Noninterest income to average assets | 0.3418% | 4,107 |
| Noninterest expense to average assets | 1.5114% | 5,556 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7257% | 3,732 |
| Return on assets (ROA) | 0.7257% | 3,798 |
| Pretax return on assets | 1.0238% | 3,464 |
| Return on Equity (ROE) | 4.4237% | 4,686 |
| Retained earnings to average equity (ytd only) | 2.4489% | 4,219 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6166% | 4,374 |
| Assets per employee ($millions) | 6.2201% | 1,309 |
| Cash dividends to net income (ytd only)* | 44.6429% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 2,846 |
| Loan loss allowance to noncurrent loans | 354.5455% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 5,059 |
| Noncurrent loans to loans | 0.3463% | 3,795 |
| Net loans and leases to total assets | 12.6092% | 5,729 |
| Net loans and leases to deposits | 15.1848% | 5,731 |
| Net loans and leases to core deposits | 15.7063% | 5,727 |
| Total domestic deposits to total assets | 83.0387% | 3,555 |
| Equity capital to assets | 16.6968% | 439 |
| Core capital (leverage) ratio | 17.0045% | 369 |
| Tier 1 risk-based capital ratio | 56.3440% | 94 |
| Total risk-based capital ratio | 56.8657% | 94 |
| Memoranda: | ||
| Average total assets | $123,458,670 | 3,905 |
| Average earning assets | $118,548,000 | 3,829 |
| Average equity | $20,254,330 | 3,130 |
| Average total loans | $15,346,000 | 5,540 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3317% | 5,761 |
| Cost of funding earning assets | 0.1833% | 5,126 |
| Net interest margin | 2.1484% | 5,726 |
| Noninterest income to average assets | 0.3513% | 4,029 |
| Noninterest expense to average assets | 1.5709% | 5,584 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5301% | 4,466 |
| Return on assets (ROA) | 0.5301% | 4,508 |
| Pretax return on assets | 0.8391% | 3,978 |
| Return on Equity (ROE) | 3.2607% | 5,033 |
| Retained earnings to average equity (ytd only) | -0.7401% | 5,034 |
| Net charge-offs to loans | -0.0531% | 5,212 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1822% | 3,636 |
| Assets per employee ($millions) | 6.2209% | 1,358 |
| Cash dividends to net income (ytd only)* | 122.6994% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 2,857 |
| Loan loss allowance to noncurrent loans | 535.1351% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 5,199 |
| Noncurrent loans to loans | 0.2328% | 4,281 |
| Net loans and leases to total assets | 12.6164% | 5,799 |
| Net loans and leases to deposits | 15.1061% | 5,797 |
| Net loans and leases to core deposits | 15.6209% | 5,792 |
| Total domestic deposits to total assets | 83.5191% | 3,651 |
| Equity capital to assets | 16.1425% | 470 |
| Core capital (leverage) ratio | 16.8577% | 374 |
| Tier 1 risk-based capital ratio | 55.6577% | 97 |
| Total risk-based capital ratio | 56.1882% | 102 |
| Memoranda: | ||
| Average total assets | $122,987,500 | 3,952 |
| Average earning assets | $117,855,500 | 3,875 |
| Average equity | $19,996,000 | 3,175 |
| Average total loans | $15,078,500 | 5,607 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3724% | 5,795 |
| Cost of funding earning assets | 0.1839% | 5,171 |
| Net interest margin | 2.1885% | 5,755 |
| Noninterest income to average assets | 0.3590% | 4,168 |
| Noninterest expense to average assets | 1.5198% | 5,704 |
| Loan and lease loss provision to assets | -0.0040% | 5,467 |
| Net operating income to assets | 0.6117% | 4,160 |
| Return on assets (ROA) | 0.6329% | 4,184 |
| Pretax return on assets | 0.9792% | 3,541 |
| Return on Equity (ROE) | 3.8537% | 4,884 |
| Retained earnings to average equity (ytd only) | 2.3995% | 4,162 |
| Net charge-offs to loans | -0.2431% | 5,773 |
| Credit loss provision to net charge-offs | 13.8889% | 3,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7200% | 4,304 |
| Assets per employee ($millions) | 6.0779% | 1,421 |
| Cash dividends to net income (ytd only)* | 37.7358% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 2,202 |
| Loan loss allowance to noncurrent loans | 292.5373% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 5,121 |
| Noncurrent loans to loans | 0.4698% | 3,466 |
| Net loans and leases to total assets | 11.5714% | 5,859 |
| Net loans and leases to deposits | 13.8807% | 5,860 |
| Net loans and leases to core deposits | 14.3690% | 5,855 |
| Total domestic deposits to total assets | 83.3635% | 3,643 |
| Equity capital to assets | 16.3774% | 451 |
| Core capital (leverage) ratio | 16.9457% | 364 |
| Tier 1 risk-based capital ratio | 57.9364% | 94 |
| Total risk-based capital ratio | 58.4821% | 97 |
| Memoranda: | ||
| Average total assets | $125,612,000 | 3,896 |
| Average earning assets | $120,723,600 | 3,815 |
| Average equity | $20,629,400 | 3,105 |
| Average total loans | $14,809,600 | 5,667 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4409% | 5,836 |
| Cost of funding earning assets | 0.1817% | 5,255 |
| Net interest margin | 2.2592% | 5,795 |
| Noninterest income to average assets | 0.3612% | 4,196 |
| Noninterest expense to average assets | 1.5036% | 5,754 |
| Loan and lease loss provision to assets | -0.0053% | 5,637 |
| Net operating income to assets | 0.6570% | 4,047 |
| Return on assets (ROA) | 0.6570% | 4,166 |
| Pretax return on assets | 1.0361% | 3,491 |
| Return on Equity (ROE) | 3.9980% | 4,898 |
| Retained earnings to average equity (ytd only) | 2.0759% | 4,653 |
| Net charge-offs to loans | -0.3658% | 5,854 |
| Credit loss provision to net charge-offs | 12.1951% | 3,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3270% | 4,643 |
| Assets per employee ($millions) | 6.2281% | 1,279 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 2,282 |
| Loan loss allowance to noncurrent loans | 138.6207% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.1164% | 4,960 |
| Noncurrent loans to loans | 0.9970% | 2,251 |
| Net loans and leases to total assets | 11.5147% | 5,927 |
| Net loans and leases to deposits | 14.0222% | 5,928 |
| Net loans and leases to core deposits | 14.5107% | 5,922 |
| Total domestic deposits to total assets | 82.1181% | 3,909 |
| Equity capital to assets | 17.2332% | 414 |
| Core capital (leverage) ratio | 16.5779% | 404 |
| Tier 1 risk-based capital ratio | 57.9296% | 91 |
| Total risk-based capital ratio | 58.4938% | 96 |
| Memoranda: | ||
| Average total assets | $126,625,500 | 3,911 |
| Average earning assets | $121,811,500 | 3,818 |
| Average equity | $20,809,750 | 3,112 |
| Average total loans | $14,946,500 | 5,725 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5437% | 5,888 |
| Cost of funding earning assets | 0.1827% | 5,296 |
| Net interest margin | 2.3609% | 5,830 |
| Noninterest income to average assets | 0.3566% | 4,219 |
| Noninterest expense to average assets | 1.4971% | 5,837 |
| Loan and lease loss provision to assets | 0.0393% | 3,370 |
| Net operating income to assets | 0.6692% | 3,966 |
| Return on assets (ROA) | 0.6692% | 4,101 |
| Pretax return on assets | 1.0934% | 3,224 |
| Return on Equity (ROE) | 4.1377% | 4,858 |
| Retained earnings to average equity (ytd only) | 1.2238% | 4,891 |
| Net charge-offs to loans | -0.5305% | 5,948 |
| Credit loss provision to net charge-offs | -62.5000% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9295% | 5,036 |
| Assets per employee ($millions) | 6.3334% | 1,178 |
| Cash dividends to net income (ytd only)* | 70.4225% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5681% | 1,624 |
| Loan loss allowance to noncurrent loans | 572.5000% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 5,464 |
| Noncurrent loans to loans | 0.2739% | 4,387 |
| Net loans and leases to total assets | 11.3487% | 6,004 |
| Net loans and leases to deposits | 13.7212% | 6,006 |
| Net loans and leases to core deposits | 14.1915% | 5,999 |
| Total domestic deposits to total assets | 82.7090% | 3,756 |
| Equity capital to assets | 16.6942% | 467 |
| Core capital (leverage) ratio | 16.2481% | 433 |
| Tier 1 risk-based capital ratio | 56.9042% | 104 |
| Total risk-based capital ratio | 57.5418% | 103 |
| Memoranda: | ||
| Average total assets | $127,313,330 | 3,929 |
| Average earning assets | $122,578,000 | 3,833 |
| Average equity | $20,591,000 | 3,134 |
| Average total loans | $15,080,670 | 5,790 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5628% | 5,946 |
| Cost of funding earning assets | 0.1828% | 5,353 |
| Net interest margin | 2.3800% | 5,887 |
| Noninterest income to average assets | 0.3729% | 4,053 |
| Noninterest expense to average assets | 1.5575% | 5,864 |
| Loan and lease loss provision to assets | 0.0157% | 3,483 |
| Net operating income to assets | 0.7083% | 3,675 |
| Return on assets (ROA) | 0.7083% | 3,789 |
| Pretax return on assets | 1.0843% | 3,153 |
| Return on Equity (ROE) | 4.4502% | 4,720 |
| Retained earnings to average equity (ytd only) | -1.4572% | 5,332 |
| Net charge-offs to loans | -0.1828% | 5,820 |
| Credit loss provision to net charge-offs | -71.4286% | 4,184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6085% | 4,926 |
| Assets per employee ($millions) | 6.3284% | 1,200 |
| Cash dividends to net income (ytd only)* | 132.7434% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 3,771 |
| Loan loss allowance to noncurrent loans | 1,264.2857% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 5,627 |
| Noncurrent loans to loans | 0.0909% | 5,111 |
| Net loans and leases to total assets | 12.0275% | 6,065 |
| Net loans and leases to deposits | 14.4344% | 6,062 |
| Net loans and leases to core deposits | 14.9324% | 6,057 |
| Total domestic deposits to total assets | 83.3252% | 3,780 |
| Equity capital to assets | 16.2189% | 509 |
| Core capital (leverage) ratio | 15.9536% | 474 |
| Tier 1 risk-based capital ratio | 55.5907% | 107 |
| Total risk-based capital ratio | 56.0768% | 110 |
| Memoranda: | ||
| Average total assets | $127,636,500 | 3,951 |
| Average earning assets | $122,523,000 | 3,857 |
| Average equity | $20,313,500 | 3,165 |
| Average total loans | $15,319,000 | 5,833 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5230% | 5,991 |
| Cost of funding earning assets | 0.1814% | 5,442 |
| Net interest margin | 2.3415% | 5,927 |
| Noninterest income to average assets | 0.3470% | 4,429 |
| Noninterest expense to average assets | 1.4931% | 5,986 |
| Loan and lease loss provision to assets | -0.0410% | 5,717 |
| Net operating income to assets | 0.7454% | 3,595 |
| Return on assets (ROA) | 0.7454% | 3,691 |
| Pretax return on assets | 1.1484% | 2,851 |
| Return on Equity (ROE) | 5.0023% | 4,503 |
| Retained earnings to average equity (ytd only) | 5.0023% | 2,417 |
| Net charge-offs to loans | 0.0763% | 2,735 |
| Credit loss provision to net charge-offs | -500.0000% | 5,439 |
| Earnings coverage of net charge-offs (x) | 134.9091% | 456 |
| Efficiency ratio | 57.4175% | 5,207 |
| Assets per employee ($millions) | 6.4353% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 4,133 |
| Loan loss allowance to noncurrent loans | 634.6154% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 5,614 |
| Noncurrent loans to loans | 0.1706% | 4,805 |
| Net loans and leases to total assets | 11.7113% | 6,123 |
| Net loans and leases to deposits | 13.9159% | 6,124 |
| Net loans and leases to core deposits | 14.3825% | 6,117 |
| Total domestic deposits to total assets | 84.1576% | 3,420 |
| Equity capital to assets | 15.6163% | 577 |
| Core capital (leverage) ratio | 15.6623% | 508 |
| Tier 1 risk-based capital ratio | 55.0530% | 105 |
| Total risk-based capital ratio | 55.5001% | 107 |
| Memoranda: | ||
| Average total assets | $134,013,600 | 3,816 |
| Average earning assets | $128,975,600 | 3,720 |
| Average equity | $19,971,000 | 3,171 |
| Average total loans | $14,422,200 | 5,908 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5021% | 6,092 |
| Cost of funding earning assets | 0.1807% | 5,548 |
| Net interest margin | 2.3214% | 6,024 |
| Noninterest income to average assets | 0.3399% | 4,507 |
| Noninterest expense to average assets | 1.4610% | 6,066 |
| Loan and lease loss provision to assets | -0.0542% | 5,920 |
| Net operating income to assets | 0.7595% | 3,635 |
| Return on assets (ROA) | 0.7595% | 3,737 |
| Pretax return on assets | 1.1733% | 2,915 |
| Return on Equity (ROE) | 5.1556% | 4,550 |
| Retained earnings to average equity (ytd only) | 5.1556% | 2,804 |
| Net charge-offs to loans | 0.0750% | 2,494 |
| Credit loss provision to net charge-offs | -687.5000% | 5,422 |
| Earnings coverage of net charge-offs (x) | 141.9522% | 487 |
| Efficiency ratio | 56.6247% | 5,265 |
| Assets per employee ($millions) | 5.9120% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0440% | 4,502 |
| Loan loss allowance to noncurrent loans | 430.7692% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 5,669 |
| Noncurrent loans to loans | 0.2424% | 4,707 |
| Net loans and leases to total assets | 12.2433% | 6,207 |
| Net loans and leases to deposits | 14.5637% | 6,211 |
| Net loans and leases to core deposits | 15.0473% | 6,202 |
| Total domestic deposits to total assets | 84.0670% | 3,398 |
| Equity capital to assets | 15.5994% | 630 |
| Core capital (leverage) ratio | 15.1520% | 611 |
| Tier 1 risk-based capital ratio | 55.2706% | 113 |
| Total risk-based capital ratio | 55.7329% | 114 |
| Memoranda: | ||
| Average total assets | $135,340,750 | 3,837 |
| Average earning assets | $130,605,000 | 3,713 |
| Average equity | $19,939,000 | 3,204 |
| Average total loans | $14,218,250 | 5,993 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5178% | 6,157 |
| Cost of funding earning assets | 0.1802% | 5,609 |
| Net interest margin | 2.3376% | 6,076 |
| Noninterest income to average assets | 0.3311% | 4,586 |
| Noninterest expense to average assets | 1.4442% | 6,147 |
| Loan and lease loss provision to assets | -0.0802% | 6,068 |
| Net operating income to assets | 0.7965% | 3,409 |
| Return on assets (ROA) | 0.7965% | 3,502 |
| Pretax return on assets | 1.2195% | 2,698 |
| Return on Equity (ROE) | 5.5089% | 4,367 |
| Retained earnings to average equity (ytd only) | 5.5089% | 2,533 |
| Net charge-offs to loans | 0.2501% | 1,039 |
| Credit loss provision to net charge-offs | -323.5294% | 5,132 |
| Earnings coverage of net charge-offs (x) | 45.9412% | 1,021 |
| Efficiency ratio | 55.9006% | 5,436 |
| Assets per employee ($millions) | 6.0104% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 3,661 |
| Loan loss allowance to noncurrent loans | 548.2759% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 5,807 |
| Noncurrent loans to loans | 0.2229% | 4,890 |
| Net loans and leases to total assets | 9.7210% | 6,292 |
| Net loans and leases to deposits | 11.4649% | 6,295 |
| Net loans and leases to core deposits | 11.8356% | 6,283 |
| Total domestic deposits to total assets | 84.7893% | 3,217 |
| Equity capital to assets | 15.0270% | 699 |
| Core capital (leverage) ratio | 14.5333% | 702 |
| Tier 1 risk-based capital ratio | 58.6216% | 103 |
| Total risk-based capital ratio | 59.0909% | 104 |
| Memoranda: | ||
| Average total assets | $137,100,000 | 3,834 |
| Average earning assets | $132,100,000 | 3,719 |
| Average equity | $19,822,330 | 3,230 |
| Average total loans | $13,593,670 | 6,074 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5555% | 6,201 |
| Cost of funding earning assets | 0.1727% | 5,750 |
| Net interest margin | 2.3827% | 6,106 |
| Noninterest income to average assets | 0.3297% | 4,554 |
| Noninterest expense to average assets | 1.4620% | 6,199 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7597% | 3,487 |
| Return on assets (ROA) | 0.7597% | 3,623 |
| Pretax return on assets | 1.1610% | 2,832 |
| Return on Equity (ROE) | 5.3539% | 4,352 |
| Retained earnings to average equity (ytd only) | 5.3539% | 2,861 |
| Net charge-offs to loans | 0.7203% | 327 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 16.2000% | 1,588 |
| Efficiency ratio | 55.7377% | 5,534 |
| Assets per employee ($millions) | 7.0535% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 2,026 |
| Loan loss allowance to noncurrent loans | 10,300.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 5,974 |
| Noncurrent loans to loans | 0.0156% | 5,742 |
| Net loans and leases to total assets | 8.9381% | 6,366 |
| Net loans and leases to deposits | 10.4666% | 6,369 |
| Net loans and leases to core deposits | 10.7805% | 6,359 |
| Total domestic deposits to total assets | 85.3966% | 3,220 |
| Equity capital to assets | 14.1667% | 929 |
| Core capital (leverage) ratio | 14.1184% | 788 |
| Tier 1 risk-based capital ratio | 55.9045% | 117 |
| Total risk-based capital ratio | 56.4927% | 120 |
| Memoranda: | ||
| Average total assets | $139,535,500 | 3,819 |
| Average earning assets | $134,299,000 | 3,712 |
| Average equity | $19,798,500 | 3,252 |
| Average total loans | $13,884,000 | 6,120 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7694% | 6,224 |
| Cost of funding earning assets | 0.1825% | 5,891 |
| Net interest margin | 2.5869% | 6,091 |
| Noninterest income to average assets | 0.3813% | 4,332 |
| Noninterest expense to average assets | 1.3229% | 6,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9906% | 2,429 |
| Return on assets (ROA) | 0.9935% | 2,493 |
| Pretax return on assets | 1.5576% | 1,359 |
| Return on Equity (ROE) | 7.1872% | 3,526 |
| Retained earnings to average equity (ytd only) | 7.1872% | 1,321 |
| Net charge-offs to loans | 0.0126% | 4,648 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1,032.5000% | 40 |
| Efficiency ratio | 45.9990% | 6,265 |
| Assets per employee ($millions) | 6.9001% | 888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5448% | 2,282 |
| Loan loss allowance to noncurrent loans | 320.8333% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 5,810 |
| Noncurrent loans to loans | 0.4815% | 4,219 |
| Net loans and leases to total assets | 10.6680% | 6,452 |
| Net loans and leases to deposits | 12.4865% | 6,455 |
| Net loans and leases to core deposits | 12.8656% | 6,445 |
| Total domestic deposits to total assets | 85.4363% | 3,110 |
| Equity capital to assets | 14.2115% | 898 |
| Core capital (leverage) ratio | 14.0557% | 803 |
| Tier 1 risk-based capital ratio | 52.2352% | 125 |
| Total risk-based capital ratio | 52.8599% | 125 |
| Memoranda: | ||
| Average total assets | $132,965,200 | 3,922 |
| Average earning assets | $128,224,800 | 3,802 |
| Average equity | $18,380,000 | 3,361 |
| Average total loans | $15,860,200 | 6,134 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8165% | 6,268 |
| Cost of funding earning assets | 0.1815% | 5,984 |
| Net interest margin | 2.6351% | 6,094 |
| Noninterest income to average assets | 0.3847% | 4,357 |
| Noninterest expense to average assets | 1.3282% | 6,443 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0145% | 2,388 |
| Return on assets (ROA) | 1.0184% | 2,428 |
| Pretax return on assets | 1.6056% | 1,312 |
| Return on Equity (ROE) | 7.4220% | 3,485 |
| Retained earnings to average equity (ytd only) | 7.4220% | 1,608 |
| Net charge-offs to loans | 0.0415% | 3,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 315.8336% | 221 |
| Efficiency ratio | 45.3665% | 6,314 |
| Assets per employee ($millions) | 7.6209% | 603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5597% | 2,458 |
| Loan loss allowance to noncurrent loans | 950.0000% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 6,103 |
| Noncurrent loans to loans | 0.1642% | 5,416 |
| Net loans and leases to total assets | 10.4902% | 6,532 |
| Net loans and leases to deposits | 12.1709% | 6,533 |
| Net loans and leases to core deposits | 12.5393% | 6,523 |
| Total domestic deposits to total assets | 86.1907% | 2,761 |
| Equity capital to assets | 13.5330% | 1,168 |
| Core capital (leverage) ratio | 13.9404% | 859 |
| Tier 1 risk-based capital ratio | 53.0677% | 119 |
| Total risk-based capital ratio | 53.7044% | 120 |
| Memoranda: | ||
| Average total assets | $131,706,250 | 3,974 |
| Average earning assets | $127,103,250 | 3,847 |
| Average equity | $18,072,000 | 3,408 |
| Average total loans | $16,087,000 | 6,191 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8991% | 6,257 |
| Cost of funding earning assets | 0.1786% | 6,080 |
| Net interest margin | 2.7205% | 6,026 |
| Noninterest income to average assets | 0.3880% | 4,336 |
| Noninterest expense to average assets | 1.2673% | 6,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2376% | 1,484 |
| Return on assets (ROA) | 1.2442% | 1,525 |
| Pretax return on assets | 1.7570% | 918 |
| Return on Equity (ROE) | 9.0239% | 2,581 |
| Retained earnings to average equity (ytd only) | 9.0239% | 979 |
| Net charge-offs to loans | -0.2413% | 6,386 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0327% | 6,478 |
| Assets per employee ($millions) | 7.3492% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6268% | 2,369 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 6,069 |
| Noncurrent loans to loans | 0.3615% | 4,912 |
| Net loans and leases to total assets | 11.5198% | 6,593 |
| Net loans and leases to deposits | 13.4580% | 6,595 |
| Net loans and leases to core deposits | 13.8837% | 6,585 |
| Total domestic deposits to total assets | 85.5985% | 3,241 |
| Equity capital to assets | 14.1921% | 904 |
| Core capital (leverage) ratio | 14.2462% | 766 |
| Tier 1 risk-based capital ratio | 53.8965% | 112 |
| Total risk-based capital ratio | 54.6201% | 114 |
| Memoranda: | ||
| Average total assets | $129,883,000 | 4,035 |
| Average earning assets | $125,420,330 | 3,901 |
| Average equity | $17,908,000 | 3,427 |
| Average total loans | $16,576,670 | 6,216 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9844% | 6,256 |
| Cost of funding earning assets | 0.1773% | 6,188 |
| Net interest margin | 2.8071% | 5,920 |
| Noninterest income to average assets | 0.3854% | 4,306 |
| Noninterest expense to average assets | 1.2589% | 6,611 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4031% | 982 |
| Return on assets (ROA) | 1.4174% | 1,002 |
| Pretax return on assets | 1.8526% | 721 |
| Return on Equity (ROE) | 10.4378% | 1,894 |
| Retained earnings to average equity (ytd only) | 10.4378% | 861 |
| Net charge-offs to loans | -0.2570% | 6,446 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7035% | 6,579 |
| Assets per employee ($millions) | 7.7495% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 3,295 |
| Loan loss allowance to noncurrent loans | 265.2174% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 6,058 |
| Noncurrent loans to loans | 0.5534% | 4,504 |
| Net loans and leases to total assets | 12.4342% | 6,655 |
| Net loans and leases to deposits | 14.4191% | 6,658 |
| Net loans and leases to core deposits | 14.8732% | 6,648 |
| Total domestic deposits to total assets | 86.2344% | 3,238 |
| Equity capital to assets | 13.4985% | 1,098 |
| Core capital (leverage) ratio | 14.3009% | 731 |
| Tier 1 risk-based capital ratio | 51.3879% | 123 |
| Total risk-based capital ratio | 52.0686% | 127 |
| Memoranda: | ||
| Average total assets | $128,682,000 | 4,091 |
| Average earning assets | $124,113,000 | 3,960 |
| Average equity | $17,475,000 | 3,484 |
| Average total loans | $17,119,500 | 6,251 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4678% | 6,626 |
| Cost of funding earning assets | 0.1909% | 6,333 |
| Net interest margin | 2.2769% | 6,536 |
| Noninterest income to average assets | 0.4149% | 4,343 |
| Noninterest expense to average assets | 1.3868% | 6,635 |
| Loan and lease loss provision to assets | 0.0169% | 4,793 |
| Net operating income to assets | 0.8217% | 3,177 |
| Return on assets (ROA) | 0.8407% | 3,163 |
| Pretax return on assets | 1.2302% | 2,456 |
| Return on Equity (ROE) | 5.6880% | 4,280 |
| Retained earnings to average equity (ytd only) | 5.6880% | 2,165 |
| Net charge-offs to loans | 0.1176% | 3,636 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 593 |
| Efficiency ratio | 53.2164% | 6,202 |
| Assets per employee ($millions) | 7.3896% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 4,025 |
| Loan loss allowance to noncurrent loans | 364.0625% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 6,222 |
| Noncurrent loans to loans | 0.3633% | 5,100 |
| Net loans and leases to total assets | 13.8358% | 6,728 |
| Net loans and leases to deposits | 16.0776% | 6,733 |
| Net loans and leases to core deposits | 16.7657% | 6,722 |
| Total domestic deposits to total assets | 86.0567% | 3,234 |
| Equity capital to assets | 13.6655% | 1,002 |
| Core capital (leverage) ratio | 14.3570% | 730 |
| Tier 1 risk-based capital ratio | 50.8277% | 128 |
| Total risk-based capital ratio | 51.4869% | 131 |
| Memoranda: | ||
| Average total assets | $118,113,200 | 4,312 |
| Average earning assets | $113,665,200 | 4,189 |
| Average equity | $17,457,800 | 3,501 |
| Average total loans | $17,013,600 | 6,319 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3271% | 6,744 |
| Cost of funding earning assets | 0.1896% | 6,449 |
| Net interest margin | 2.1374% | 6,682 |
| Noninterest income to average assets | 0.4129% | 4,429 |
| Noninterest expense to average assets | 1.2732% | 6,756 |
| Loan and lease loss provision to assets | -0.0287% | 6,509 |
| Net operating income to assets | 0.8569% | 3,061 |
| Return on assets (ROA) | 0.8569% | 3,175 |
| Pretax return on assets | 1.2239% | 2,607 |
| Return on Equity (ROE) | 5.6814% | 4,358 |
| Retained earnings to average equity (ytd only) | 5.6814% | 2,611 |
| Net charge-offs to loans | -0.1660% | 6,616 |
| Credit loss provision to net charge-offs | 119.0476% | 1,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5799% | 6,287 |
| Assets per employee ($millions) | 7.1689% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 4,339 |
| Loan loss allowance to noncurrent loans | 183.2000% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 6,129 |
| Noncurrent loans to loans | 0.7142% | 4,424 |
| Net loans and leases to total assets | 14.1732% | 6,807 |
| Net loans and leases to deposits | 16.4677% | 6,811 |
| Net loans and leases to core deposits | 17.1949% | 6,806 |
| Total domestic deposits to total assets | 86.0664% | 3,218 |
| Equity capital to assets | 13.7473% | 1,037 |
| Core capital (leverage) ratio | 14.6511% | 699 |
| Tier 1 risk-based capital ratio | 51.3462% | 126 |
| Total risk-based capital ratio | 52.0099% | 132 |
| Memoranda: | ||
| Average total assets | $116,235,750 | 4,403 |
| Average earning assets | $111,782,250 | 4,265 |
| Average equity | $17,530,500 | 3,526 |
| Average total loans | $16,863,500 | 6,395 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3216% | 6,791 |
| Cost of funding earning assets | 0.1944% | 6,502 |
| Net interest margin | 2.1272% | 6,722 |
| Noninterest income to average assets | 0.4110% | 4,441 |
| Noninterest expense to average assets | 1.3117% | 6,783 |
| Loan and lease loss provision to assets | -0.0437% | 6,638 |
| Net operating income to assets | 0.7975% | 3,308 |
| Return on assets (ROA) | 0.7975% | 3,462 |
| Pretax return on assets | 1.1910% | 2,714 |
| Return on Equity (ROE) | 5.1267% | 4,657 |
| Retained earnings to average equity (ytd only) | 5.1267% | 2,972 |
| Net charge-offs to loans | -0.1561% | 6,601 |
| Credit loss provision to net charge-offs | 192.3077% | 1,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3428% | 6,196 |
| Assets per employee ($millions) | 7.5099% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 4,586 |
| Loan loss allowance to noncurrent loans | 394.6429% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.0466% | 6,366 |
| Noncurrent loans to loans | 0.3252% | 5,480 |
| Net loans and leases to total assets | 14.1464% | 6,857 |
| Net loans and leases to deposits | 16.6300% | 6,864 |
| Net loans and leases to core deposits | 17.4735% | 6,857 |
| Total domestic deposits to total assets | 85.0655% | 3,862 |
| Equity capital to assets | 14.6441% | 789 |
| Core capital (leverage) ratio | 14.9121% | 631 |
| Tier 1 risk-based capital ratio | 52.9938% | 115 |
| Total risk-based capital ratio | 53.6658% | 117 |
| Memoranda: | ||
| Average total assets | $114,357,330 | 4,478 |
| Average earning assets | $110,096,000 | 4,338 |
| Average equity | $17,789,330 | 3,518 |
| Average total loans | $16,650,670 | 6,445 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3634% | 6,847 |
| Cost of funding earning assets | 0.2054% | 6,552 |
| Net interest margin | 2.1581% | 6,783 |
| Noninterest income to average assets | 0.4450% | 4,143 |
| Noninterest expense to average assets | 1.3243% | 6,865 |
| Loan and lease loss provision to assets | -0.0897% | 6,831 |
| Net operating income to assets | 0.8183% | 3,057 |
| Return on assets (ROA) | 0.8183% | 3,202 |
| Pretax return on assets | 1.2848% | 2,275 |
| Return on Equity (ROE) | 5.0990% | 4,518 |
| Retained earnings to average equity (ytd only) | 5.0990% | 3,176 |
| Net charge-offs to loans | -0.2688% | 6,748 |
| Credit loss provision to net charge-offs | 227.2727% | 997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5641% | 6,344 |
| Assets per employee ($millions) | 7.1218% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3578% | 4,432 |
| Loan loss allowance to noncurrent loans | 730.0000% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 6,534 |
| Noncurrent loans to loans | 0.1860% | 5,939 |
| Net loans and leases to total assets | 13.9624% | 6,926 |
| Net loans and leases to deposits | 16.6775% | 6,936 |
| Net loans and leases to core deposits | 17.5856% | 6,924 |
| Total domestic deposits to total assets | 83.7199% | 4,582 |
| Equity capital to assets | 15.6930% | 608 |
| Core capital (leverage) ratio | 15.3819% | 529 |
| Tier 1 risk-based capital ratio | 57.1343% | 101 |
| Total risk-based capital ratio | 57.8619% | 104 |
| Memoranda: | ||
| Average total assets | $111,457,000 | 4,588 |
| Average earning assets | $107,133,500 | 4,444 |
| Average equity | $17,886,000 | 3,539 |
| Average total loans | $16,366,500 | 6,516 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6876% | 6,881 |
| Cost of funding earning assets | 0.2446% | 6,694 |
| Net interest margin | 2.4430% | 6,747 |
| Noninterest income to average assets | 0.4733% | 4,075 |
| Noninterest expense to average assets | 1.3718% | 6,919 |
| Loan and lease loss provision to assets | 0.0403% | 5,361 |
| Net operating income to assets | 0.9387% | 2,609 |
| Return on assets (ROA) | 0.9486% | 2,807 |
| Pretax return on assets | 1.4199% | 1,964 |
| Return on Equity (ROE) | 5.3780% | 4,484 |
| Retained earnings to average equity (ytd only) | 0.3674% | 5,668 |
| Net charge-offs to loans | -0.2336% | 6,953 |
| Credit loss provision to net charge-offs | -132.2581% | 6,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6929% | 6,672 |
| Assets per employee ($millions) | 7.2643% | 684 |
| Cash dividends to net income (ytd only)* | 93.1677% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4033% | 4,161 |
| Loan loss allowance to noncurrent loans | 287.6543% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 6,422 |
| Noncurrent loans to loans | 0.4878% | 5,312 |
| Net loans and leases to total assets | 15.0241% | 6,980 |
| Net loans and leases to deposits | 18.1278% | 6,988 |
| Net loans and leases to core deposits | 19.4714% | 6,978 |
| Total domestic deposits to total assets | 82.8789% | 4,771 |
| Equity capital to assets | 16.4181% | 488 |
| Core capital (leverage) ratio | 16.1163% | 440 |
| Tier 1 risk-based capital ratio | 57.2069% | 107 |
| Total risk-based capital ratio | 57.9923% | 105 |
| Memoranda: | ||
| Average total assets | $101,837,600 | 4,781 |
| Average earning assets | $97,708,600 | 4,648 |
| Average equity | $17,962,000 | 3,472 |
| Average total loans | $13,269,600 | 6,723 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7805% | 6,978 |
| Cost of funding earning assets | 0.2549% | 6,791 |
| Net interest margin | 2.5256% | 6,809 |
| Noninterest income to average assets | 0.4744% | 4,110 |
| Noninterest expense to average assets | 1.3712% | 7,006 |
| Loan and lease loss provision to assets | 0.0546% | 5,060 |
| Net operating income to assets | 1.0114% | 2,444 |
| Return on assets (ROA) | 1.0114% | 2,675 |
| Pretax return on assets | 1.4778% | 1,966 |
| Return on Equity (ROE) | 5.6283% | 4,517 |
| Retained earnings to average equity (ytd only) | 3.4037% | 4,470 |
| Net charge-offs to loans | -0.2573% | 7,032 |
| Credit loss provision to net charge-offs | -170.8333% | 6,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2235% | 6,760 |
| Assets per employee ($millions) | 6.9519% | 762 |
| Cash dividends to net income (ytd only)* | 39.5259% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7030% | 3,144 |
| Loan loss allowance to noncurrent loans | 706.2500% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 6,691 |
| Noncurrent loans to loans | 0.2411% | 6,005 |
| Net loans and leases to total assets | 12.5098% | 7,103 |
| Net loans and leases to deposits | 15.3807% | 7,102 |
| Net loans and leases to core deposits | 16.6005% | 7,092 |
| Total domestic deposits to total assets | 81.3345% | 5,253 |
| Equity capital to assets | 17.7545% | 381 |
| Core capital (leverage) ratio | 16.5977% | 417 |
| Tier 1 risk-based capital ratio | 66.8232% | 81 |
| Total risk-based capital ratio | 67.6929% | 81 |
| Memoranda: | ||
| Average total assets | $100,055,750 | 4,877 |
| Average earning assets | $96,238,500 | 4,734 |
| Average equity | $17,980,000 | 3,508 |
| Average total loans | $12,436,000 | 6,850 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8555% | 7,027 |
| Cost of funding earning assets | 0.2684% | 6,841 |
| Net interest margin | 2.5871% | 6,828 |
| Noninterest income to average assets | 0.4683% | 4,146 |
| Noninterest expense to average assets | 1.3847% | 7,061 |
| Loan and lease loss provision to assets | 0.0831% | 4,558 |
| Net operating income to assets | 1.0766% | 2,138 |
| Return on assets (ROA) | 1.0766% | 2,362 |
| Pretax return on assets | 1.4820% | 1,912 |
| Return on Equity (ROE) | 5.9656% | 4,343 |
| Retained earnings to average equity (ytd only) | 2.5952% | 4,892 |
| Net charge-offs to loans | -0.3455% | 7,091 |
| Credit loss provision to net charge-offs | -195.2381% | 6,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9416% | 6,833 |
| Assets per employee ($millions) | 6.3203% | 1,058 |
| Cash dividends to net income (ytd only)* | 56.4972% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9970% | 2,242 |
| Loan loss allowance to noncurrent loans | 185.1240% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.1197% | 6,491 |
| Noncurrent loans to loans | 1.0787% | 4,360 |
| Net loans and leases to total assets | 10.8707% | 7,176 |
| Net loans and leases to deposits | 13.3506% | 7,177 |
| Net loans and leases to core deposits | 14.3486% | 7,172 |
| Total domestic deposits to total assets | 81.4250% | 5,323 |
| Equity capital to assets | 17.7909% | 359 |
| Core capital (leverage) ratio | 17.1532% | 349 |
| Tier 1 risk-based capital ratio | 73.5629% | 67 |
| Total risk-based capital ratio | 74.5245% | 66 |
| Memoranda: | ||
| Average total assets | $98,648,330 | 4,935 |
| Average earning assets | $94,623,330 | 4,799 |
| Average equity | $17,802,000 | 3,524 |
| Average total loans | $12,157,670 | 6,916 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9089% | 7,074 |
| Cost of funding earning assets | 0.2781% | 6,913 |
| Net interest margin | 2.6308% | 6,853 |
| Noninterest income to average assets | 0.4558% | 4,256 |
| Noninterest expense to average assets | 1.4208% | 7,106 |
| Loan and lease loss provision to assets | 0.1684% | 3,288 |
| Net operating income to assets | 0.8582% | 3,119 |
| Return on assets (ROA) | 0.8582% | 3,351 |
| Pretax return on assets | 1.3921% | 2,214 |
| Return on Equity (ROE) | 4.7212% | 4,928 |
| Retained earnings to average equity (ytd only) | -2.0556% | 6,286 |
| Net charge-offs to loans | -0.0634% | 6,631 |
| Credit loss provision to net charge-offs | -2,050.0000% | 6,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6584% | 6,829 |
| Assets per employee ($millions) | 6.5993% | 931 |
| Cash dividends to net income (ytd only)* | 143.5407% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5719% | 3,839 |
| Loan loss allowance to noncurrent loans | 221.7391% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.0929% | 6,651 |
| Noncurrent loans to loans | 0.7089% | 5,249 |
| Net loans and leases to total assets | 12.9043% | 7,219 |
| Net loans and leases to deposits | 15.8885% | 7,225 |
| Net loans and leases to core deposits | 17.0375% | 7,216 |
| Total domestic deposits to total assets | 81.2183% | 5,540 |
| Equity capital to assets | 17.8321% | 349 |
| Core capital (leverage) ratio | 17.4267% | 327 |
| Tier 1 risk-based capital ratio | 70.2809% | 68 |
| Total risk-based capital ratio | 71.1336% | 68 |
| Memoranda: | ||
| Average total assets | $97,410,000 | 5,005 |
| Average earning assets | $93,507,500 | 4,863 |
| Average equity | $17,707,500 | 3,543 |
| Average total loans | $12,628,000 | 6,952 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0864% | 7,155 |
| Cost of funding earning assets | 0.3276% | 7,056 |
| Net interest margin | 2.7587% | 6,874 |
| Noninterest income to average assets | 0.4863% | 3,951 |
| Noninterest expense to average assets | 1.4678% | 7,187 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1305% | 1,724 |
| Return on assets (ROA) | 1.1448% | 1,796 |
| Pretax return on assets | 1.7037% | 985 |
| Return on Equity (ROE) | 6.0375% | 3,854 |
| Retained earnings to average equity (ytd only) | 4.2687% | 3,146 |
| Net charge-offs to loans | -0.4370% | 7,271 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5933% | 7,017 |
| Assets per employee ($millions) | 6.8450% | 796 |
| Cash dividends to net income (ytd only)* | 29.2969% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 4,807 |
| Loan loss allowance to noncurrent loans | 152.8302% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 6,678 |
| Noncurrent loans to loans | 0.8633% | 4,962 |
| Net loans and leases to total assets | 12.6432% | 7,275 |
| Net loans and leases to deposits | 15.6892% | 7,279 |
| Net loans and leases to core deposits | 16.9559% | 7,267 |
| Total domestic deposits to total assets | 80.5854% | 5,566 |
| Equity capital to assets | 18.5359% | 309 |
| Core capital (leverage) ratio | 18.4765% | 273 |
| Tier 1 risk-based capital ratio | 73.7232% | 62 |
| Total risk-based capital ratio | 74.4298% | 61 |
| Memoranda: | ||
| Average total assets | $89,450,600 | 5,200 |
| Average earning assets | $86,380,200 | 5,051 |
| Average equity | $16,960,600 | 3,585 |
| Average total loans | $9,381,800 | 7,135 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2217% | 7,201 |
| Cost of funding earning assets | 0.3411% | 7,142 |
| Net interest margin | 2.8806% | 6,780 |
| Noninterest income to average assets | 0.4872% | 3,976 |
| Noninterest expense to average assets | 1.4857% | 7,235 |
| Loan and lease loss provision to assets | 0.0379% | 5,963 |
| Net operating income to assets | 1.1975% | 1,660 |
| Return on assets (ROA) | 1.2171% | 1,718 |
| Pretax return on assets | 1.7862% | 979 |
| Return on Equity (ROE) | 6.3801% | 3,835 |
| Retained earnings to average equity (ytd only) | 3.9936% | 3,874 |
| Net charge-offs to loans | -0.6315% | 7,358 |
| Credit loss provision to net charge-offs | -60.9756% | 6,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2821% | 7,093 |
| Assets per employee ($millions) | 6.3076% | 1,031 |
| Cash dividends to net income (ytd only)* | 37.4064% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0831% | 2,105 |
| Loan loss allowance to noncurrent loans | 453.6585% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 6,931 |
| Noncurrent loans to loans | 0.4592% | 5,930 |
| Net loans and leases to total assets | 9.9008% | 7,367 |
| Net loans and leases to deposits | 12.5425% | 7,367 |
| Net loans and leases to core deposits | 13.6742% | 7,355 |
| Total domestic deposits to total assets | 78.9380% | 5,999 |
| Equity capital to assets | 19.9884% | 244 |
| Core capital (leverage) ratio | 19.0028% | 260 |
| Tier 1 risk-based capital ratio | 88.4705% | 64 |
| Total risk-based capital ratio | 89.4569% | 64 |
| Memoranda: | ||
| Average total assets | $87,855,750 | 5,276 |
| Average earning assets | $85,212,250 | 5,114 |
| Average equity | $16,760,000 | 3,622 |
| Average total loans | $8,657,750 | 7,229 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2670% | 7,264 |
| Cost of funding earning assets | 0.3544% | 7,218 |
| Net interest margin | 2.9126% | 6,767 |
| Noninterest income to average assets | 0.4629% | 4,160 |
| Noninterest expense to average assets | 1.5324% | 7,286 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3044% | 1,304 |
| Return on assets (ROA) | 1.3044% | 1,382 |
| Pretax return on assets | 1.7604% | 945 |
| Return on Equity (ROE) | 6.9489% | 3,469 |
| Retained earnings to average equity (ytd only) | 3.3044% | 4,158 |
| Net charge-offs to loans | -0.6536% | 7,419 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5374% | 7,136 |
| Assets per employee ($millions) | 6.1520% | 1,095 |
| Cash dividends to net income (ytd only)* | 52.4476% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6807% | 3,386 |
| Loan loss allowance to noncurrent loans | 528.5714% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 7,017 |
| Noncurrent loans to loans | 0.3180% | 6,276 |
| Net loans and leases to total assets | 10.0525% | 7,441 |
| Net loans and leases to deposits | 12.6511% | 7,448 |
| Net loans and leases to core deposits | 13.7230% | 7,434 |
| Total domestic deposits to total assets | 79.4596% | 5,961 |
| Equity capital to assets | 19.7276% | 276 |
| Core capital (leverage) ratio | 19.0985% | 272 |
| Tier 1 risk-based capital ratio | 89.0025% | 62 |
| Total risk-based capital ratio | 89.8031% | 62 |
| Memoranda: | ||
| Average total assets | $87,705,670 | 5,320 |
| Average earning assets | $85,215,670 | 5,152 |
| Average equity | $16,463,000 | 3,659 |
| Average total loans | $8,567,330 | 7,299 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0713% | 7,384 |
| Cost of funding earning assets | 0.3758% | 7,275 |
| Net interest margin | 2.6955% | 7,022 |
| Noninterest income to average assets | 0.4610% | 4,178 |
| Noninterest expense to average assets | 1.4555% | 7,391 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2023% | 1,514 |
| Return on assets (ROA) | 1.2023% | 1,561 |
| Pretax return on assets | 1.6317% | 1,122 |
| Return on Equity (ROE) | 6.5683% | 3,594 |
| Retained earnings to average equity (ytd only) | -0.8396% | 5,949 |
| Net charge-offs to loans | -1.2311% | 7,498 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1449% | 7,150 |
| Assets per employee ($millions) | 6.3592% | 1,000 |
| Cash dividends to net income (ytd only)* | 112.7820% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6983% | 3,345 |
| Loan loss allowance to noncurrent loans | 429.4118% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 7,073 |
| Noncurrent loans to loans | 0.3955% | 6,204 |
| Net loans and leases to total assets | 9.4924% | 7,504 |
| Net loans and leases to deposits | 11.7347% | 7,513 |
| Net loans and leases to core deposits | 12.7836% | 7,496 |
| Total domestic deposits to total assets | 80.8916% | 5,695 |
| Equity capital to assets | 18.4468% | 335 |
| Core capital (leverage) ratio | 18.5539% | 295 |
| Tier 1 risk-based capital ratio | 85.3383% | 64 |
| Total risk-based capital ratio | 86.1099% | 65 |
| Memoranda: | ||
| Average total assets | $88,494,500 | 5,338 |
| Average earning assets | $86,217,500 | 5,155 |
| Average equity | $16,199,000 | 3,693 |
| Average total loans | $8,448,000 | 7,364 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4961% | 7,388 |
| Cost of funding earning assets | 0.5564% | 7,216 |
| Net interest margin | 2.9397% | 6,837 |
| Noninterest income to average assets | 0.5669% | 3,699 |
| Noninterest expense to average assets | 1.9023% | 7,158 |
| Loan and lease loss provision to assets | 0.0244% | 6,878 |
| Net operating income to assets | 0.9850% | 2,089 |
| Return on assets (ROA) | 0.9850% | 2,200 |
| Pretax return on assets | 1.4924% | 1,394 |
| Return on Equity (ROE) | 4.5337% | 4,280 |
| Retained earnings to average equity (ytd only) | 2.6654% | 3,996 |
| Net charge-offs to loans | 0.3683% | 4,188 |
| Credit loss provision to net charge-offs | 52.9412% | 6,218 |
| Earnings coverage of net charge-offs (x) | 32.9706% | 679 |
| Efficiency ratio | 55.6391% | 6,639 |
| Assets per employee ($millions) | 6.2829% | 1,044 |
| Cash dividends to net income (ytd only)* | 41.2088% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 4,305 |
| Loan loss allowance to noncurrent loans | 117.6471% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 6,946 |
| Noncurrent loans to loans | 1.2291% | 4,674 |
| Net loans and leases to total assets | 9.2985% | 7,586 |
| Net loans and leases to deposits | 11.4382% | 7,596 |
| Net loans and leases to core deposits | 12.5364% | 7,577 |
| Total domestic deposits to total assets | 81.2938% | 5,420 |
| Equity capital to assets | 18.1617% | 363 |
| Core capital (leverage) ratio | 19.4366% | 265 |
| Tier 1 risk-based capital ratio | 87.3792% | 58 |
| Total risk-based capital ratio | 88.0272% | 59 |
| Memoranda: | ||
| Average total assets | $73,909,200 | 5,764 |
| Average earning assets | $71,708,800 | 5,610 |
| Average equity | $16,057,400 | 3,752 |
| Average total loans | $9,231,000 | 7,423 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6964% | 7,446 |
| Cost of funding earning assets | 0.5995% | 7,294 |
| Net interest margin | 3.0969% | 6,621 |
| Noninterest income to average assets | 0.5852% | 3,539 |
| Noninterest expense to average assets | 1.8523% | 7,264 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1686% | 1,679 |
| Return on assets (ROA) | 1.1686% | 1,775 |
| Pretax return on assets | 1.7368% | 1,035 |
| Return on Equity (ROE) | 5.1166% | 4,235 |
| Retained earnings to average equity (ytd only) | 2.6288% | 4,577 |
| Net charge-offs to loans | -0.2113% | 7,626 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6095% | 7,020 |
| Assets per employee ($millions) | 5.4154% | 1,704 |
| Cash dividends to net income (ytd only)* | 48.6221% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5860% | 3,585 |
| Loan loss allowance to noncurrent loans | 116.1538% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.1715% | 6,933 |
| Noncurrent loans to loans | 1.3654% | 4,580 |
| Net loans and leases to total assets | 12.3589% | 7,682 |
| Net loans and leases to deposits | 15.9704% | 7,684 |
| Net loans and leases to core deposits | 17.8793% | 7,667 |
| Total domestic deposits to total assets | 77.3860% | 6,395 |
| Equity capital to assets | 21.7500% | 202 |
| Core capital (leverage) ratio | 21.4051% | 194 |
| Tier 1 risk-based capital ratio | 97.4474% | 59 |
| Total risk-based capital ratio | 98.3629% | 58 |
| Memoranda: | ||
| Average total assets | $70,396,500 | 5,936 |
| Average earning assets | $68,281,000 | 5,788 |
| Average equity | $16,078,000 | 3,796 |
| Average total loans | $9,464,000 | 7,511 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7066% | 7,527 |
| Cost of funding earning assets | 0.6564% | 7,285 |
| Net interest margin | 3.0502% | 6,723 |
| Noninterest income to average assets | 0.6036% | 3,316 |
| Noninterest expense to average assets | 1.8866% | 7,284 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2772% | 1,368 |
| Return on assets (ROA) | 1.2772% | 1,423 |
| Pretax return on assets | 1.6708% | 1,115 |
| Return on Equity (ROE) | 5.4954% | 4,046 |
| Retained earnings to average equity (ytd only) | 1.7314% | 5,005 |
| Net charge-offs to loans | -0.5082% | 7,733 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0328% | 6,975 |
| Assets per employee ($millions) | 5.2436% | 1,874 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7565% | 2,867 |
| Loan loss allowance to noncurrent loans | 170.2128% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 7,073 |
| Noncurrent loans to loans | 1.0319% | 5,243 |
| Net loans and leases to total assets | 12.1904% | 7,749 |
| Net loans and leases to deposits | 15.7733% | 7,753 |
| Net loans and leases to core deposits | 17.6586% | 7,736 |
| Total domestic deposits to total assets | 77.2851% | 6,438 |
| Equity capital to assets | 22.0093% | 201 |
| Core capital (leverage) ratio | 22.3812% | 165 |
| Tier 1 risk-based capital ratio | 102.6681% | 52 |
| Total risk-based capital ratio | 103.7018% | 52 |
| Memoranda: | ||
| Average total assets | $68,590,000 | 6,014 |
| Average earning assets | $66,422,000 | 5,889 |
| Average equity | $15,940,670 | 3,810 |
| Average total loans | $9,445,000 | 7,571 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6387% | 7,661 |
| Cost of funding earning assets | 0.6388% | 7,475 |
| Net interest margin | 2.9999% | 6,830 |
| Noninterest income to average assets | 0.6407% | 2,991 |
| Noninterest expense to average assets | 1.9462% | 7,258 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2270% | 1,470 |
| Return on assets (ROA) | 1.2270% | 1,546 |
| Pretax return on assets | 1.5896% | 1,288 |
| Return on Equity (ROE) | 5.1287% | 4,292 |
| Retained earnings to average equity (ytd only) | -2.4507% | 6,281 |
| Net charge-offs to loans | -0.8322% | 7,842 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0427% | 6,884 |
| Assets per employee ($millions) | 4.9242% | 2,338 |
| Cash dividends to net income (ytd only)* | 147.7833% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6061% | 3,415 |
| Loan loss allowance to noncurrent loans | 503.2258% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 7,379 |
| Noncurrent loans to loans | 0.3192% | 6,663 |
| Net loans and leases to total assets | 13.8630% | 7,838 |
| Net loans and leases to deposits | 18.1454% | 7,841 |
| Net loans and leases to core deposits | 20.2857% | 7,823 |
| Total domestic deposits to total assets | 76.3994% | 6,683 |
| Equity capital to assets | 22.8840% | 184 |
| Core capital (leverage) ratio | 24.1990% | 144 |
| Tier 1 risk-based capital ratio | 94.9830% | 54 |
| Total risk-based capital ratio | 95.9294% | 54 |
| Memoranda: | ||
| Average total assets | $66,180,000 | 6,164 |
| Average earning assets | $63,869,000 | 6,033 |
| Average equity | $15,832,500 | 3,859 |
| Average total loans | $9,613,000 | 7,666 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4262% | 7,456 |
| Cost of funding earning assets | 0.8036% | 7,546 |
| Net interest margin | 3.6226% | 4,465 |
| Noninterest income to average assets | 0.7848% | 2,480 |
| Noninterest expense to average assets | 2.0881% | 7,208 |
| Loan and lease loss provision to assets | 0.3028% | 5,015 |
| Net operating income to assets | 1.2146% | 1,212 |
| Return on assets (ROA) | 1.2146% | 1,258 |
| Pretax return on assets | 1.8845% | 527 |
| Return on Equity (ROE) | 4.4856% | 3,890 |
| Retained earnings to average equity (ytd only) | 2.5577% | 3,359 |
| Net charge-offs to loans | 1.0892% | 2,240 |
| Credit loss provision to net charge-offs | 165.7143% | 2,626 |
| Earnings coverage of net charge-offs (x) | 11.9714% | 1,551 |
| Efficiency ratio | 48.8400% | 7,595 |
| Assets per employee ($millions) | 4.5301% | 2,873 |
| Cash dividends to net income (ytd only)* | 42.9799% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4296% | 4,078 |
| Loan loss allowance to noncurrent loans | 503.7037% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 7,399 |
| Noncurrent loans to loans | 0.2838% | 6,716 |
| Net loans and leases to total assets | 14.7853% | 7,910 |
| Net loans and leases to deposits | 19.9337% | 7,911 |
| Net loans and leases to core deposits | 25.4112% | 7,894 |
| Total domestic deposits to total assets | 74.1726% | 6,992 |
| Equity capital to assets | 25.0532% | 163 |
| Core capital (leverage) ratio | 27.8684% | 122 |
| Tier 1 risk-based capital ratio | 99.2881% | 54 |
| Total risk-based capital ratio | 100.1449% | 53 |
| Memoranda: | ||
| Average total assets | $57,468,600 | 6,449 |
| Average earning assets | $55,375,200 | 6,317 |
| Average equity | $15,560,800 | 3,952 |
| Average total loans | $9,640,000 | 7,719 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6263% | 7,379 |
| Cost of funding earning assets | 0.8360% | 7,645 |
| Net interest margin | 3.7903% | 3,698 |
| Noninterest income to average assets | 0.7979% | 2,440 |
| Noninterest expense to average assets | 2.0721% | 7,237 |
| Loan and lease loss provision to assets | 0.1405% | 5,953 |
| Net operating income to assets | 1.4719% | 872 |
| Return on assets (ROA) | 1.4719% | 933 |
| Pretax return on assets | 2.2460% | 318 |
| Return on Equity (ROE) | 5.3233% | 3,825 |
| Retained earnings to average equity (ytd only) | 2.7392% | 3,802 |
| Net charge-offs to loans | 0.6480% | 2,740 |
| Credit loss provision to net charge-offs | 125.5319% | 4,010 |
| Earnings coverage of net charge-offs (x) | 21.3175% | 1,204 |
| Efficiency ratio | 46.4744% | 7,750 |
| Assets per employee ($millions) | 3.9097% | 3,912 |
| Cash dividends to net income (ytd only)* | 48.5437% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8316% | 7,019 |
| Loan loss allowance to noncurrent loans | 192.6829% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.0749% | 7,371 |
| Noncurrent loans to loans | 0.4316% | 6,473 |
| Net loans and leases to total assets | 17.2117% | 7,975 |
| Net loans and leases to deposits | 24.4631% | 7,966 |
| Net loans and leases to core deposits | 32.8304% | 7,934 |
| Total domestic deposits to total assets | 70.3577% | 7,389 |
| Equity capital to assets | 28.7142% | 128 |
| Core capital (leverage) ratio | 28.4566% | 137 |
| Tier 1 risk-based capital ratio | 108.9122% | 57 |
| Total risk-based capital ratio | 109.4610% | 57 |
| Memoranda: | ||
| Average total assets | $55,980,500 | 6,546 |
| Average earning assets | $54,066,750 | 6,419 |
| Average equity | $15,478,750 | 4,009 |
| Average total loans | $9,671,750 | 7,794 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6244% | 7,491 |
| Cost of funding earning assets | 0.8558% | 7,753 |
| Net interest margin | 3.7686% | 3,687 |
| Noninterest income to average assets | 0.7767% | 2,538 |
| Noninterest expense to average assets | 2.0463% | 7,385 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.7484% | 516 |
| Return on assets (ROA) | 1.7484% | 559 |
| Pretax return on assets | 2.3690% | 269 |
| Return on Equity (ROE) | 6.4029% | 3,479 |
| Retained earnings to average equity (ytd only) | 2.5066% | 3,937 |
| Net charge-offs to loans | 0.1850% | 4,412 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 74.2222% | 509 |
| Efficiency ratio | 46.3454% | 7,837 |
| Assets per employee ($millions) | 3.9689% | 3,740 |
| Cash dividends to net income (ytd only)* | 60.8519% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5957% | 7,637 |
| Loan loss allowance to noncurrent loans | 55.7692% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 0.1872% | 7,057 |
| Noncurrent loans to loans | 1.0681% | 5,077 |
| Net loans and leases to total assets | 17.4192% | 8,060 |
| Net loans and leases to deposits | 24.4759% | 8,040 |
| Net loans and leases to core deposits | 32.5345% | 8,015 |
| Total domestic deposits to total assets | 71.1689% | 7,344 |
| Equity capital to assets | 27.9816% | 160 |
| Core capital (leverage) ratio | 27.7879% | 164 |
| Tier 1 risk-based capital ratio | 100.5755% | 67 |
| Total risk-based capital ratio | 100.9505% | 67 |
| Memoranda: | ||
| Average total assets | $56,395,330 | 6,575 |
| Average earning assets | $54,450,000 | 6,449 |
| Average equity | $15,399,330 | 4,040 |
| Average total loans | $9,729,000 | 7,875 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5634% | 7,653 |
| Cost of funding earning assets | 0.8966% | 7,816 |
| Net interest margin | 3.6667% | 4,033 |
| Noninterest income to average assets | 0.7675% | 2,496 |
| Noninterest expense to average assets | 1.9081% | 7,531 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.9433% | 385 |
| Return on assets (ROA) | 1.9433% | 438 |
| Pretax return on assets | 2.4010% | 301 |
| Return on Equity (ROE) | 7.2039% | 3,501 |
| Retained earnings to average equity (ytd only) | -0.6264% | 5,792 |
| Net charge-offs to loans | -0.1234% | 7,934 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2810% | 7,917 |
| Assets per employee ($millions) | 3.9895% | 3,679 |
| Cash dividends to net income (ytd only)* | 108.6957% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7403% | 7,337 |
| Loan loss allowance to noncurrent loans | 94.5946% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 7,185 |
| Noncurrent loans to loans | 0.7827% | 5,483 |
| Net loans and leases to total assets | 16.8030% | 8,112 |
| Net loans and leases to deposits | 23.3783% | 8,110 |
| Net loans and leases to core deposits | 30.8443% | 8,077 |
| Total domestic deposits to total assets | 71.8744% | 7,229 |
| Equity capital to assets | 27.4309% | 178 |
| Core capital (leverage) ratio | 27.2709% | 185 |
| Tier 1 risk-based capital ratio | 99.6039% | 68 |
| Total risk-based capital ratio | 100.0584% | 68 |
| Memoranda: | ||
| Average total assets | $56,810,500 | 6,587 |
| Average earning assets | $54,871,500 | 6,468 |
| Average equity | $15,325,000 | 4,079 |
| Average total loans | $9,725,000 | 7,921 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8917% | 7,903 |
| Cost of funding earning assets | 1.1972% | 7,947 |
| Net interest margin | 3.6945% | 4,493 |
| Noninterest income to average assets | 0.9864% | 1,623 |
| Noninterest expense to average assets | 2.1940% | 6,981 |
| Loan and lease loss provision to assets | 0.1701% | 5,204 |
| Net operating income to assets | 1.2812% | 1,539 |
| Return on assets (ROA) | 1.2812% | 1,489 |
| Pretax return on assets | 2.1505% | 439 |
| Return on Equity (ROE) | 4.4823% | 4,607 |
| Retained earnings to average equity (ytd only) | 2.4990% | 3,640 |
| Net charge-offs to loans | 2.8069% | 332 |
| Credit loss provision to net charge-offs | 32.4910% | 6,506 |
| Earnings coverage of net charge-offs (x) | 4.4332% | 3,987 |
| Efficiency ratio | 48.5977% | 7,758 |
| Assets per employee ($millions) | 4.1263% | 3,260 |
| Cash dividends to net income (ytd only)* | 44.2478% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6703% | 7,502 |
| Loan loss allowance to noncurrent loans | 352.6316% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 7,458 |
| Noncurrent loans to loans | 0.1901% | 6,821 |
| Net loans and leases to total assets | 17.1860% | 8,177 |
| Net loans and leases to deposits | 23.6184% | 8,175 |
| Net loans and leases to core deposits | 29.2266% | 8,156 |
| Total domestic deposits to total assets | 72.7652% | 6,872 |
| Equity capital to assets | 26.5355% | 229 |
| Core capital (leverage) ratio | 28.5494% | 203 |
| Tier 1 risk-based capital ratio | 91.7129% | 88 |
| Total risk-based capital ratio | 92.1130% | 89 |
| Memoranda: | ||
| Average total assets | $52,918,000 | 6,665 |
| Average earning assets | $50,534,600 | 6,571 |
| Average equity | $15,126,000 | 4,116 |
| Average total loans | $9,868,600 | 7,949 |