Home > Farmers State Bank of Newcastle > Performance and Condition Ratios
Farmers State Bank of Newcastle, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1239% | 1,813 |
| Cost of funding earning assets | 2.0407% | 866 |
| Net interest margin | 3.0833% | 3,130 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.2686% | 2,927 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 0.6451% | 3,320 |
| Return on assets (ROA) | 0.6570% | 3,278 |
| Pretax return on assets | 0.7006% | 3,435 |
| Return on Equity (ROE) | 22.4400% | 430 |
| Retained earnings to average equity (ytd only) | 3.8428% | 3,015 |
| Net charge-offs to loans | 0.9812% | 107 |
| Credit loss provision to net charge-offs | 17.1806% | 2,322 |
| Earnings coverage of net charge-offs (x) | 2.2335% | 2,708 |
| Efficiency ratio | 71.1440% | 1,742 |
| Assets per employee ($millions) | 6.1221% | 2,716 |
| Cash dividends to net income (ytd only)* | 82.8729% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8519% | 3,848 |
| Loan loss allowance to noncurrent loans | 159.1667% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 2,137 |
| Noncurrent loans to loans | 0.5352% | 1,457 |
| Net loans and leases to total assets | 40.3500% | 4,029 |
| Net loans and leases to deposits | 42.3187% | 4,148 |
| Net loans and leases to core deposits | 42.3187% | 4,242 |
| Total domestic deposits to total assets | 95.3400% | 51 |
| Equity capital to assets | 3.6970% | 4,513 |
| Core capital (leverage) ratio | 10.8753% | 2,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $55,099,200 | 4,260 |
| Average earning assets | $51,698,600 | 4,232 |
| Average equity | $1,613,400 | 4,506 |
| Average total loans | $23,134,400 | 4,249 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0458% | 1,741 |
| Cost of funding earning assets | 1.9600% | 761 |
| Net interest margin | 3.0858% | 3,162 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.2988% | 2,793 |
| Loan and lease loss provision to assets | 0.2800% | 342 |
| Net operating income to assets | 0.6171% | 3,499 |
| Return on assets (ROA) | 0.6316% | 3,461 |
| Pretax return on assets | 0.6316% | 3,679 |
| Return on Equity (ROE) | 23.0800% | 485 |
| Retained earnings to average equity (ytd only) | 18.6618% | 312 |
| Net charge-offs to loans | 1.3040% | 70 |
| Credit loss provision to net charge-offs | 50.8772% | 1,888 |
| Earnings coverage of net charge-offs (x) | 1.6272% | 2,524 |
| Efficiency ratio | 71.9152% | 1,578 |
| Assets per employee ($millions) | 6.1407% | 2,620 |
| Cash dividends to net income (ytd only)* | 19.1571% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 2,117 |
| Loan loss allowance to noncurrent loans | 152.5714% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.3167% | 1,753 |
| Noncurrent loans to loans | 0.8176% | 1,011 |
| Net loans and leases to total assets | 38.2500% | 4,120 |
| Net loans and leases to deposits | 38.8798% | 4,238 |
| Net loans and leases to core deposits | 38.8798% | 4,278 |
| Total domestic deposits to total assets | 98.3700% | 35 |
| Equity capital to assets | 1.2377% | 4,569 |
| Core capital (leverage) ratio | 10.7907% | 2,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $55,099,250 | 4,276 |
| Average earning assets | $51,632,500 | 4,249 |
| Average equity | $1,507,500 | 4,533 |
| Average total loans | $23,312,750 | 4,267 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9164% | 1,726 |
| Cost of funding earning assets | 1.8716% | 647 |
| Net interest margin | 3.0448% | 3,327 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.3254% | 2,723 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.7524% | 3,209 |
| Return on assets (ROA) | 0.7776% | 3,161 |
| Pretax return on assets | 0.7848% | 3,426 |
| Return on Equity (ROE) | 24.0200% | 430 |
| Retained earnings to average equity (ytd only) | 18.4063% | 318 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.0741% | 1,339 |
| Assets per employee ($millions) | 6.1136% | 2,612 |
| Cash dividends to net income (ytd only)* | 23.3645% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7100% | 733 |
| Loan loss allowance to noncurrent loans | 94.9398% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.7542% | 677 |
| Noncurrent loans to loans | 1.8011% | 336 |
| Net loans and leases to total assets | 41.1600% | 3,998 |
| Net loans and leases to deposits | 42.7036% | 4,142 |
| Net loans and leases to core deposits | 42.7036% | 4,200 |
| Total domestic deposits to total assets | 96.3900% | 51 |
| Equity capital to assets | 3.2187% | 4,557 |
| Core capital (leverage) ratio | 11.0068% | 1,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $55,043,667 | 4,299 |
| Average earning assets | $51,826,667 | 4,271 |
| Average equity | $1,782,000 | 4,555 |
| Average total loans | $23,949,000 | 4,266 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9390% | 1,351 |
| Cost of funding earning assets | 1.8387% | 424 |
| Net interest margin | 3.1004% | 3,346 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.5575% | 2,085 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6248% | 3,648 |
| Return on assets (ROA) | 0.6684% | 3,490 |
| Pretax return on assets | 0.6684% | 3,721 |
| Return on Equity (ROE) | 20.5900% | 698 |
| Retained earnings to average equity (ytd only) | 20.5874% | 343 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.3653% | 799 |
| Assets per employee ($millions) | 6.0179% | 2,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 1,394 |
| Loan loss allowance to noncurrent loans | 184.8780% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.3785% | 1,363 |
| Noncurrent loans to loans | 0.7901% | 974 |
| Net loans and leases to total assets | 47.2100% | 3,691 |
| Net loans and leases to deposits | 49.7587% | 3,899 |
| Net loans and leases to core deposits | 49.7587% | 3,999 |
| Total domestic deposits to total assets | 94.8700% | 102 |
| Equity capital to assets | 3.6687% | 4,563 |
| Core capital (leverage) ratio | 10.6164% | 2,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $55,054,500 | 4,364 |
| Average earning assets | $51,994,000 | 4,329 |
| Average equity | $1,787,500 | 4,620 |
| Average total loans | $24,403,000 | 4,318 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1254% | 1,419 |
| Cost of funding earning assets | 0.6206% | 829 |
| Net interest margin | 3.5048% | 1,916 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.2015% | 3,025 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.2570% | 1,579 |
| Return on assets (ROA) | 1.2570% | 1,527 |
| Pretax return on assets | 1.3748% | 1,842 |
| Return on Equity (ROE) | 24.8400% | 220 |
| Retained earnings to average equity (ytd only) | 10.7269% | 950 |
| Net charge-offs to loans | 0.2381% | 333 |
| Credit loss provision to net charge-offs | 10.5263% | 1,953 |
| Earnings coverage of net charge-offs (x) | 13.6140% | 2,062 |
| Efficiency ratio | 61.3738% | 2,861 |
| Assets per employee ($millions) | 6.2164% | 2,580 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6580% | 860 |
| Loan loss allowance to noncurrent loans | 111.7994% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.6059% | 824 |
| Noncurrent loans to loans | 1.4830% | 439 |
| Net loans and leases to total assets | 40.1800% | 4,062 |
| Net loans and leases to deposits | 41.7386% | 4,189 |
| Net loans and leases to core deposits | 41.7386% | 4,237 |
| Total domestic deposits to total assets | 96.2700% | 73 |
| Equity capital to assets | 2.8383% | 4,614 |
| Core capital (leverage) ratio | 10.4303% | 2,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $56,007,000 | 4,380 |
| Average earning assets | $53,012,600 | 4,341 |
| Average equity | $2,834,000 | 4,624 |
| Average total loans | $23,944,000 | 4,346 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9670% | 1,336 |
| Cost of funding earning assets | 0.3769% | 1,464 |
| Net interest margin | 3.5902% | 1,412 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.1967% | 2,946 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.3137% | 1,307 |
| Return on assets (ROA) | 1.3137% | 1,276 |
| Pretax return on assets | 1.4542% | 1,539 |
| Return on Equity (ROE) | 23.4000% | 237 |
| Retained earnings to average equity (ytd only) | 21.2785% | 75 |
| Net charge-offs to loans | 0.2698% | 249 |
| Credit loss provision to net charge-offs | 12.2449% | 1,653 |
| Earnings coverage of net charge-offs (x) | 12.5918% | 1,910 |
| Efficiency ratio | 59.9351% | 3,120 |
| Assets per employee ($millions) | 6.0708% | 2,698 |
| Cash dividends to net income (ytd only)* | 9.0580% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7476% | 808 |
| Loan loss allowance to noncurrent loans | 2,276.4706% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 3,608 |
| Noncurrent loans to loans | 0.0768% | 3,324 |
| Net loans and leases to total assets | 39.8200% | 4,077 |
| Net loans and leases to deposits | 40.8678% | 4,210 |
| Net loans and leases to core deposits | 40.8678% | 4,254 |
| Total domestic deposits to total assets | 97.4400% | 65 |
| Equity capital to assets | 2.1194% | 4,655 |
| Core capital (leverage) ratio | 10.5856% | 2,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $56,021,750 | 4,410 |
| Average earning assets | $53,069,750 | 4,375 |
| Average equity | $3,145,500 | 4,644 |
| Average total loans | $24,215,250 | 4,375 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7887% | 1,342 |
| Cost of funding earning assets | 0.3235% | 1,497 |
| Net interest margin | 3.4652% | 1,405 |
| Noninterest income to average assets | 0.2620% | 3,600 |
| Noninterest expense to average assets | 2.2130% | 2,809 |
| Loan and lease loss provision to assets | 0.0106% | 2,395 |
| Net operating income to assets | 1.2110% | 1,394 |
| Return on assets (ROA) | 1.2110% | 1,380 |
| Pretax return on assets | 1.3384% | 1,619 |
| Return on Equity (ROE) | 17.9622% | 477 |
| Retained earnings to average equity (ytd only) | 15.3361% | 239 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1272% | 3,032 |
| Assets per employee ($millions) | 6.2490% | 2,520 |
| Cash dividends to net income (ytd only)* | 14.6199% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8870% | 681 |
| Loan loss allowance to noncurrent loans | 720.0000% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 2,963 |
| Noncurrent loans to loans | 0.2621% | 2,427 |
| Net loans and leases to total assets | 39.9371% | 4,077 |
| Net loans and leases to deposits | 41.7452% | 4,200 |
| Net loans and leases to core deposits | 41.7452% | 4,270 |
| Total domestic deposits to total assets | 95.6686% | 101 |
| Equity capital to assets | 3.8051% | 4,641 |
| Core capital (leverage) ratio | 10.2655% | 2,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,483,333 | 4,450 |
| Average earning assets | $53,791,667 | 4,426 |
| Average equity | $3,808,000 | 4,631 |
| Average total loans | $24,905,333 | 4,411 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6684% | 1,343 |
| Cost of funding earning assets | 0.2947% | 1,700 |
| Net interest margin | 3.3738% | 1,369 |
| Noninterest income to average assets | 0.2685% | 3,521 |
| Noninterest expense to average assets | 2.3744% | 2,254 |
| Loan and lease loss provision to assets | 0.0212% | 1,973 |
| Net operating income to assets | 1.0105% | 1,835 |
| Return on assets (ROA) | 1.0105% | 1,828 |
| Pretax return on assets | 1.1095% | 2,108 |
| Return on Equity (ROE) | 12.3223% | 1,220 |
| Retained earnings to average equity (ytd only) | 12.3223% | 555 |
| Net charge-offs to loans | 0.0154% | 1,231 |
| Credit loss provision to net charge-offs | 300.0000% | 662 |
| Earnings coverage of net charge-offs (x) | 160.0000% | 511 |
| Efficiency ratio | 67.7419% | 2,538 |
| Assets per employee ($millions) | 6.2763% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7796% | 910 |
| Loan loss allowance to noncurrent loans | 600.0000% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 2,908 |
| Noncurrent loans to loans | 0.2966% | 2,406 |
| Net loans and leases to total assets | 42.2097% | 3,869 |
| Net loans and leases to deposits | 46.3926% | 3,956 |
| Net loans and leases to core deposits | 46.3926% | 4,054 |
| Total domestic deposits to total assets | 90.9838% | 1,042 |
| Equity capital to assets | 6.7060% | 4,337 |
| Core capital (leverage) ratio | 9.7681% | 2,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,604,500 | 4,474 |
| Average earning assets | $54,301,000 | 4,440 |
| Average equity | $4,642,000 | 4,598 |
| Average total loans | $25,911,500 | 4,411 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0601% | 1,228 |
| Cost of funding earning assets | 0.3183% | 2,213 |
| Net interest margin | 3.7418% | 1,117 |
| Noninterest income to average assets | 0.2815% | 3,708 |
| Noninterest expense to average assets | 2.0558% | 3,513 |
| Loan and lease loss provision to assets | 0.1269% | 966 |
| Net operating income to assets | 1.5020% | 1,010 |
| Return on assets (ROA) | 1.4928% | 1,088 |
| Pretax return on assets | 1.7048% | 1,133 |
| Return on Equity (ROE) | 15.4125% | 857 |
| Retained earnings to average equity (ytd only) | 8.2355% | 1,447 |
| Net charge-offs to loans | 0.0509% | 1,304 |
| Credit loss provision to net charge-offs | 486.6667% | 819 |
| Earnings coverage of net charge-offs (x) | 70.6667% | 1,069 |
| Efficiency ratio | 52.7419% | 4,059 |
| Assets per employee ($millions) | 6.3024% | 2,487 |
| Cash dividends to net income (ytd only)* | 46.5658% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 1,359 |
| Loan loss allowance to noncurrent loans | 148.7889% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.5095% | 1,310 |
| Noncurrent loans to loans | 1.0491% | 937 |
| Net loans and leases to total assets | 47.8086% | 3,511 |
| Net loans and leases to deposits | 53.5474% | 3,628 |
| Net loans and leases to core deposits | 53.5474% | 3,788 |
| Total domestic deposits to total assets | 89.2828% | 1,359 |
| Equity capital to assets | 9.6894% | 2,953 |
| Core capital (leverage) ratio | 9.2625% | 3,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,543,200 | 4,482 |
| Average earning assets | $55,614,400 | 4,444 |
| Average equity | $5,573,400 | 4,574 |
| Average total loans | $29,455,200 | 4,385 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2215% | 1,077 |
| Cost of funding earning assets | 0.3244% | 2,356 |
| Net interest margin | 3.8972% | 942 |
| Noninterest income to average assets | 0.2632% | 3,826 |
| Noninterest expense to average assets | 2.0641% | 3,473 |
| Loan and lease loss provision to assets | 0.0918% | 1,304 |
| Net operating income to assets | 1.6023% | 1,024 |
| Return on assets (ROA) | 1.6023% | 1,069 |
| Pretax return on assets | 1.8794% | 983 |
| Return on Equity (ROE) | 16.5448% | 842 |
| Retained earnings to average equity (ytd only) | 15.3528% | 351 |
| Net charge-offs to loans | 0.0445% | 1,221 |
| Credit loss provision to net charge-offs | 400.0000% | 853 |
| Earnings coverage of net charge-offs (x) | 85.4000% | 945 |
| Efficiency ratio | 51.1442% | 4,110 |
| Assets per employee ($millions) | 6.6481% | 2,137 |
| Cash dividends to net income (ytd only)* | 7.2046% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5344% | 1,509 |
| Loan loss allowance to noncurrent loans | 478.5714% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 3,176 |
| Noncurrent loans to loans | 0.3206% | 2,627 |
| Net loans and leases to total assets | 43.1150% | 4,014 |
| Net loans and leases to deposits | 48.1314% | 4,112 |
| Net loans and leases to core deposits | 48.1314% | 4,230 |
| Total domestic deposits to total assets | 89.5777% | 974 |
| Equity capital to assets | 9.7321% | 3,169 |
| Core capital (leverage) ratio | 9.1324% | 3,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,748,500 | 4,536 |
| Average earning assets | $55,902,500 | 4,497 |
| Average equity | $5,592,750 | 4,639 |
| Average total loans | $29,932,000 | 4,433 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6486% | 578 |
| Cost of funding earning assets | 0.3333% | 2,463 |
| Net interest margin | 4.3152% | 482 |
| Noninterest income to average assets | 0.2524% | 3,884 |
| Noninterest expense to average assets | 2.1243% | 3,317 |
| Loan and lease loss provision to assets | 0.1402% | 867 |
| Net operating income to assets | 1.8228% | 680 |
| Return on assets (ROA) | 1.8228% | 710 |
| Pretax return on assets | 2.1629% | 618 |
| Return on Equity (ROE) | 18.8542% | 554 |
| Retained earnings to average equity (ytd only) | 17.0413% | 267 |
| Net charge-offs to loans | 0.0706% | 926 |
| Credit loss provision to net charge-offs | 363.6364% | 807 |
| Earnings coverage of net charge-offs (x) | 59.7273% | 970 |
| Efficiency ratio | 47.9810% | 4,390 |
| Assets per employee ($millions) | 6.9154% | 1,868 |
| Cash dividends to net income (ytd only)* | 9.6154% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 2,346 |
| Loan loss allowance to noncurrent loans | 450.5618% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 3,296 |
| Noncurrent loans to loans | 0.2927% | 2,878 |
| Net loans and leases to total assets | 48.2077% | 3,707 |
| Net loans and leases to deposits | 53.5518% | 3,889 |
| Net loans and leases to core deposits | 53.5518% | 4,046 |
| Total domestic deposits to total assets | 90.0207% | 766 |
| Equity capital to assets | 9.2771% | 3,532 |
| Core capital (leverage) ratio | 9.1673% | 3,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,053,667 | 4,574 |
| Average earning assets | $55,199,667 | 4,534 |
| Average equity | $5,516,000 | 4,673 |
| Average total loans | $31,176,333 | 4,451 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2512% | 251 |
| Cost of funding earning assets | 0.3415% | 2,602 |
| Net interest margin | 4.9097% | 206 |
| Noninterest income to average assets | 0.2718% | 3,774 |
| Noninterest expense to average assets | 2.3797% | 2,562 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2034% | 413 |
| Return on assets (ROA) | 2.2034% | 451 |
| Pretax return on assets | 2.6441% | 358 |
| Return on Equity (ROE) | 22.2758% | 375 |
| Retained earnings to average equity (ytd only) | 22.2758% | 195 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3684% | 4,378 |
| Assets per employee ($millions) | 6.3230% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 3,231 |
| Loan loss allowance to noncurrent loans | 232.5000% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 2,748 |
| Noncurrent loans to loans | 0.4916% | 2,378 |
| Net loans and leases to total assets | 56.5396% | 2,976 |
| Net loans and leases to deposits | 62.9069% | 3,229 |
| Net loans and leases to core deposits | 62.9069% | 3,505 |
| Total domestic deposits to total assets | 89.8782% | 876 |
| Equity capital to assets | 9.5805% | 3,126 |
| Core capital (leverage) ratio | 9.5945% | 2,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,461,000 | 4,622 |
| Average earning assets | $52,712,000 | 4,582 |
| Average equity | $5,387,000 | 4,701 |
| Average total loans | $31,562,000 | 4,461 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2316% | 2,048 |
| Cost of funding earning assets | 0.5360% | 2,710 |
| Net interest margin | 3.6955% | 1,814 |
| Noninterest income to average assets | 0.3188% | 3,552 |
| Noninterest expense to average assets | 2.3097% | 3,382 |
| Loan and lease loss provision to assets | 0.1467% | 2,540 |
| Net operating income to assets | 1.2591% | 1,360 |
| Return on assets (ROA) | 1.2849% | 1,392 |
| Pretax return on assets | 1.4648% | 1,452 |
| Return on Equity (ROE) | 13.0027% | 1,041 |
| Retained earnings to average equity (ytd only) | 6.0758% | 1,762 |
| Net charge-offs to loans | 0.0409% | 2,239 |
| Credit loss provision to net charge-offs | 681.8182% | 1,005 |
| Earnings coverage of net charge-offs (x) | 73.5455% | 943 |
| Efficiency ratio | 59.3467% | 3,546 |
| Assets per employee ($millions) | 5.7794% | 2,557 |
| Cash dividends to net income (ytd only)* | 53.2725% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 2,859 |
| Loan loss allowance to noncurrent loans | 92.0792% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.7767% | 1,317 |
| Noncurrent loans to loans | 1.3213% | 1,027 |
| Net loans and leases to total assets | 58.0698% | 3,080 |
| Net loans and leases to deposits | 66.3234% | 3,238 |
| Net loans and leases to core deposits | 66.3234% | 3,516 |
| Total domestic deposits to total assets | 87.5555% | 1,683 |
| Equity capital to assets | 10.2317% | 2,901 |
| Core capital (leverage) ratio | 9.4764% | 3,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,133,000 | 4,637 |
| Average earning assets | $49,438,000 | 4,592 |
| Average equity | $5,052,800 | 4,746 |
| Average total loans | $26,910,200 | 4,582 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3155% | 2,049 |
| Cost of funding earning assets | 0.5980% | 2,627 |
| Net interest margin | 3.7176% | 1,885 |
| Noninterest income to average assets | 0.3221% | 3,556 |
| Noninterest expense to average assets | 2.3072% | 3,404 |
| Loan and lease loss provision to assets | 0.1178% | 2,850 |
| Net operating income to assets | 1.2585% | 1,455 |
| Return on assets (ROA) | 1.2937% | 1,470 |
| Pretax return on assets | 1.5372% | 1,364 |
| Return on Equity (ROE) | 13.2113% | 1,050 |
| Retained earnings to average equity (ytd only) | 11.8741% | 444 |
| Net charge-offs to loans | -0.0462% | 4,653 |
| Credit loss provision to net charge-offs | -500.0000% | 3,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8510% | 3,544 |
| Assets per employee ($millions) | 6.6479% | 1,716 |
| Cash dividends to net income (ytd only)* | 10.1215% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 2,472 |
| Loan loss allowance to noncurrent loans | 202.2346% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3366% | 2,798 |
| Noncurrent loans to loans | 0.6108% | 2,272 |
| Net loans and leases to total assets | 54.4215% | 3,768 |
| Net loans and leases to deposits | 61.0303% | 3,989 |
| Net loans and leases to core deposits | 61.0303% | 4,155 |
| Total domestic deposits to total assets | 89.1714% | 696 |
| Equity capital to assets | 10.1555% | 3,097 |
| Core capital (leverage) ratio | 9.4599% | 3,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2689% | 1,738 |
| Memoranda: | ||
| Average total assets | $50,912,500 | 4,658 |
| Average earning assets | $49,278,250 | 4,619 |
| Average equity | $4,985,500 | 4,780 |
| Average total loans | $25,993,500 | 4,627 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5176% | 1,865 |
| Cost of funding earning assets | 0.7001% | 2,379 |
| Net interest margin | 3.8175% | 1,783 |
| Noninterest income to average assets | 0.3230% | 3,528 |
| Noninterest expense to average assets | 2.3846% | 3,295 |
| Loan and lease loss provision to assets | 0.0997% | 3,029 |
| Net operating income to assets | 1.2787% | 1,413 |
| Return on assets (ROA) | 1.2920% | 1,489 |
| Pretax return on assets | 1.5512% | 1,343 |
| Return on Equity (ROE) | 13.3691% | 1,015 |
| Retained earnings to average equity (ytd only) | 11.3060% | 565 |
| Net charge-offs to loans | -0.0884% | 4,822 |
| Credit loss provision to net charge-offs | -227.2727% | 3,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3254% | 3,513 |
| Assets per employee ($millions) | 6.0732% | 2,117 |
| Cash dividends to net income (ytd only)* | 15.4321% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 2,661 |
| Loan loss allowance to noncurrent loans | 173.7374% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.3622% | 2,849 |
| Noncurrent loans to loans | 0.6738% | 2,179 |
| Net loans and leases to total assets | 53.1349% | 3,949 |
| Net loans and leases to deposits | 59.3041% | 4,150 |
| Net loans and leases to core deposits | 59.3041% | 4,296 |
| Total domestic deposits to total assets | 89.5973% | 532 |
| Equity capital to assets | 9.5904% | 3,574 |
| Core capital (leverage) ratio | 9.1555% | 3,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,155,667 | 4,686 |
| Average earning assets | $48,566,000 | 4,643 |
| Average equity | $4,847,000 | 4,824 |
| Average total loans | $24,889,667 | 4,664 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3191% | 2,863 |
| Cost of funding earning assets | 0.9034% | 1,846 |
| Net interest margin | 3.4157% | 3,251 |
| Noninterest income to average assets | 0.3591% | 3,375 |
| Noninterest expense to average assets | 2.6386% | 2,861 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8935% | 2,547 |
| Return on assets (ROA) | 0.8935% | 2,650 |
| Pretax return on assets | 1.0354% | 2,718 |
| Return on Equity (ROE) | 9.2053% | 2,025 |
| Retained earnings to average equity (ytd only) | 9.2053% | 916 |
| Net charge-offs to loans | -0.1767% | 4,927 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8182% | 2,103 |
| Assets per employee ($millions) | 5.4084% | 2,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 1,882 |
| Loan loss allowance to noncurrent loans | 239.0977% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.2732% | 3,360 |
| Noncurrent loans to loans | 0.5671% | 2,582 |
| Net loans and leases to total assets | 47.5265% | 4,365 |
| Net loans and leases to deposits | 52.5307% | 4,499 |
| Net loans and leases to core deposits | 52.5307% | 4,620 |
| Total domestic deposits to total assets | 90.4737% | 202 |
| Equity capital to assets | 9.1174% | 4,524 |
| Core capital (leverage) ratio | 9.9533% | 3,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2810% | 947 |
| Memoranda: | ||
| Average total assets | $47,904,000 | 4,745 |
| Average earning assets | $46,491,500 | 4,703 |
| Average equity | $4,649,500 | 4,880 |
| Average total loans | $22,641,000 | 4,753 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6116% | 2,566 |
| Cost of funding earning assets | 0.9814% | 1,808 |
| Net interest margin | 3.6302% | 3,036 |
| Noninterest income to average assets | 0.3801% | 3,423 |
| Noninterest expense to average assets | 2.2870% | 3,972 |
| Loan and lease loss provision to assets | 0.0422% | 3,165 |
| Net operating income to assets | 1.3107% | 1,648 |
| Return on assets (ROA) | 1.3198% | 1,696 |
| Pretax return on assets | 1.5373% | 1,693 |
| Return on Equity (ROE) | 13.2186% | 1,109 |
| Retained earnings to average equity (ytd only) | 5.8162% | 1,972 |
| Net charge-offs to loans | -0.0640% | 4,869 |
| Credit loss provision to net charge-offs | -142.8571% | 4,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3100% | 3,792 |
| Assets per employee ($millions) | 5.2369% | 2,303 |
| Cash dividends to net income (ytd only)* | 56.0000% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 1,487 |
| Loan loss allowance to noncurrent loans | 421.9178% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1549% | 3,859 |
| Noncurrent loans to loans | 0.3344% | 3,246 |
| Net loans and leases to total assets | 45.6632% | 4,533 |
| Net loans and leases to deposits | 51.5930% | 4,622 |
| Net loans and leases to core deposits | 51.5930% | 4,722 |
| Total domestic deposits to total assets | 88.5067% | 885 |
| Equity capital to assets | 10.3136% | 3,621 |
| Core capital (leverage) ratio | 9.7183% | 3,825 |
| Tier 1 risk-based capital ratio | 18.2633% | 1,697 |
| Total risk-based capital ratio | 19.4691% | 1,662 |
| Memoranda: | ||
| Average total assets | $47,355,000 | 4,794 |
| Average earning assets | $45,342,400 | 4,759 |
| Average equity | $4,728,200 | 4,916 |
| Average total loans | $21,890,400 | 4,820 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6452% | 2,584 |
| Cost of funding earning assets | 0.9655% | 1,905 |
| Net interest margin | 3.6796% | 2,993 |
| Noninterest income to average assets | 0.3628% | 3,549 |
| Noninterest expense to average assets | 2.2807% | 4,003 |
| Loan and lease loss provision to assets | 0.0563% | 2,782 |
| Net operating income to assets | 1.3390% | 1,683 |
| Return on assets (ROA) | 1.3414% | 1,749 |
| Pretax return on assets | 1.5439% | 1,829 |
| Return on Equity (ROE) | 13.5459% | 1,100 |
| Retained earnings to average equity (ytd only) | 12.1261% | 367 |
| Net charge-offs to loans | -0.0670% | 4,899 |
| Credit loss provision to net charge-offs | -181.8182% | 4,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8107% | 3,824 |
| Assets per employee ($millions) | 5.3387% | 2,180 |
| Cash dividends to net income (ytd only)* | 10.4830% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4601% | 1,361 |
| Loan loss allowance to noncurrent loans | 127.6151% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.4974% | 2,538 |
| Noncurrent loans to loans | 1.1441% | 1,382 |
| Net loans and leases to total assets | 42.8405% | 4,726 |
| Net loans and leases to deposits | 48.2751% | 4,812 |
| Net loans and leases to core deposits | 48.2751% | 4,872 |
| Total domestic deposits to total assets | 88.7425% | 716 |
| Equity capital to assets | 10.5644% | 3,492 |
| Core capital (leverage) ratio | 9.9178% | 3,720 |
| Tier 1 risk-based capital ratio | 19.3625% | 1,488 |
| Total risk-based capital ratio | 20.5885% | 1,464 |
| Memoranda: | ||
| Average total assets | $47,410,750 | 4,859 |
| Average earning assets | $45,293,250 | 4,827 |
| Average equity | $4,695,000 | 4,988 |
| Average total loans | $21,905,500 | 4,895 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6791% | 2,427 |
| Cost of funding earning assets | 0.9224% | 2,041 |
| Net interest margin | 3.7566% | 2,730 |
| Noninterest income to average assets | 0.3559% | 3,551 |
| Noninterest expense to average assets | 2.3475% | 3,874 |
| Loan and lease loss provision to assets | 0.0424% | 2,970 |
| Net operating income to assets | 1.3396% | 1,618 |
| Return on assets (ROA) | 1.3433% | 1,672 |
| Pretax return on assets | 1.5424% | 1,724 |
| Return on Equity (ROE) | 13.8792% | 1,010 |
| Retained earnings to average equity (ytd only) | 11.6900% | 444 |
| Net charge-offs to loans | -0.0989% | 4,997 |
| Credit loss provision to net charge-offs | -90.9091% | 3,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7627% | 3,769 |
| Assets per employee ($millions) | 5.4204% | 2,032 |
| Cash dividends to net income (ytd only)* | 15.7729% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 1,620 |
| Loan loss allowance to noncurrent loans | 307.2917% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 3,791 |
| Noncurrent loans to loans | 0.4551% | 2,914 |
| Net loans and leases to total assets | 42.6349% | 4,762 |
| Net loans and leases to deposits | 47.7644% | 4,852 |
| Net loans and leases to core deposits | 47.7644% | 4,915 |
| Total domestic deposits to total assets | 89.2608% | 566 |
| Equity capital to assets | 9.9233% | 4,035 |
| Core capital (leverage) ratio | 9.9296% | 3,662 |
| Tier 1 risk-based capital ratio | 18.5804% | 1,647 |
| Total risk-based capital ratio | 19.7574% | 1,631 |
| Memoranda: | ||
| Average total assets | $47,198,330 | 4,905 |
| Average earning assets | $44,880,670 | 4,876 |
| Average equity | $4,568,000 | 5,037 |
| Average total loans | $22,244,330 | 4,933 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7653% | 2,015 |
| Cost of funding earning assets | 0.8673% | 2,174 |
| Net interest margin | 3.8981% | 2,194 |
| Noninterest income to average assets | 0.3448% | 3,553 |
| Noninterest expense to average assets | 2.5428% | 3,390 |
| Loan and lease loss provision to assets | 0.0431% | 2,776 |
| Net operating income to assets | 1.2510% | 1,886 |
| Return on assets (ROA) | 1.2585% | 1,900 |
| Pretax return on assets | 1.4481% | 1,933 |
| Return on Equity (ROE) | 13.1784% | 1,161 |
| Retained earnings to average equity (ytd only) | 13.1784% | 440 |
| Net charge-offs to loans | -0.0175% | 4,436 |
| Credit loss provision to net charge-offs | -500.0000% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1692% | 3,362 |
| Assets per employee ($millions) | 5.0840% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2083% | 2,532 |
| Loan loss allowance to noncurrent loans | 227.6423% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 3,537 |
| Noncurrent loans to loans | 0.5308% | 2,723 |
| Net loans and leases to total assets | 50.0328% | 4,468 |
| Net loans and leases to deposits | 55.9868% | 4,602 |
| Net loans and leases to core deposits | 55.9868% | 4,719 |
| Total domestic deposits to total assets | 89.3653% | 705 |
| Equity capital to assets | 9.9878% | 3,843 |
| Core capital (leverage) ratio | 9.8361% | 3,780 |
| Tier 1 risk-based capital ratio | 17.7423% | 1,874 |
| Total risk-based capital ratio | 18.8375% | 1,871 |
| Memoranda: | ||
| Average total assets | $46,405,500 | 4,971 |
| Average earning assets | $43,816,500 | 4,948 |
| Average equity | $4,431,500 | 5,094 |
| Average total loans | $22,819,500 | 4,977 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4271% | 2,670 |
| Cost of funding earning assets | 0.7190% | 1,967 |
| Net interest margin | 3.7080% | 3,005 |
| Noninterest income to average assets | 0.4210% | 3,305 |
| Noninterest expense to average assets | 2.3710% | 3,957 |
| Loan and lease loss provision to assets | 0.0510% | 3,166 |
| Net operating income to assets | 1.3406% | 1,653 |
| Return on assets (ROA) | 1.3406% | 1,641 |
| Pretax return on assets | 1.4957% | 1,796 |
| Return on Equity (ROE) | 14.5279% | 933 |
| Retained earnings to average equity (ytd only) | 7.3240% | 1,528 |
| Net charge-offs to loans | -0.0132% | 4,573 |
| Credit loss provision to net charge-offs | -766.6667% | 4,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5204% | 3,774 |
| Assets per employee ($millions) | 5.2283% | 2,232 |
| Cash dividends to net income (ytd only)* | 49.5868% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 2,468 |
| Loan loss allowance to noncurrent loans | 145.7447% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 2,956 |
| Noncurrent loans to loans | 0.8368% | 1,934 |
| Net loans and leases to total assets | 47.1618% | 4,688 |
| Net loans and leases to deposits | 52.4758% | 4,809 |
| Net loans and leases to core deposits | 52.4758% | 4,890 |
| Total domestic deposits to total assets | 89.8736% | 518 |
| Equity capital to assets | 9.1234% | 4,472 |
| Core capital (leverage) ratio | 9.7558% | 3,853 |
| Tier 1 risk-based capital ratio | 14.9886% | 2,835 |
| Total risk-based capital ratio | 15.9241% | 2,907 |
| Memoranda: | ||
| Average total assets | $45,128,800 | 5,029 |
| Average earning assets | $42,556,200 | 5,002 |
| Average equity | $4,164,400 | 5,156 |
| Average total loans | $22,728,400 | 5,010 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4959% | 2,321 |
| Cost of funding earning assets | 0.6941% | 1,874 |
| Net interest margin | 3.8018% | 2,636 |
| Noninterest income to average assets | 0.4151% | 3,386 |
| Noninterest expense to average assets | 2.3741% | 3,916 |
| Loan and lease loss provision to assets | 0.0597% | 2,787 |
| Net operating income to assets | 1.2513% | 2,038 |
| Return on assets (ROA) | 1.2513% | 2,046 |
| Pretax return on assets | 1.5797% | 1,638 |
| Return on Equity (ROE) | 13.5193% | 1,258 |
| Retained earnings to average equity (ytd only) | 11.9061% | 491 |
| Net charge-offs to loans | -0.0058% | 4,254 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1518% | 3,942 |
| Assets per employee ($millions) | 5.8636% | 1,595 |
| Cash dividends to net income (ytd only)* | 11.9341% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 2,392 |
| Loan loss allowance to noncurrent loans | 96.7626% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.5926% | 2,406 |
| Noncurrent loans to loans | 1.2845% | 1,312 |
| Net loans and leases to total assets | 45.5627% | 4,820 |
| Net loans and leases to deposits | 50.5129% | 4,939 |
| Net loans and leases to core deposits | 50.5129% | 5,007 |
| Total domestic deposits to total assets | 90.2002% | 438 |
| Equity capital to assets | 9.0686% | 4,486 |
| Core capital (leverage) ratio | 10.0067% | 3,624 |
| Tier 1 risk-based capital ratio | 15.3870% | 2,702 |
| Total risk-based capital ratio | 16.3165% | 2,777 |
| Memoranda: | ||
| Average total assets | $44,647,250 | 5,099 |
| Average earning assets | $42,260,000 | 5,069 |
| Average equity | $4,132,250 | 5,227 |
| Average total loans | $22,794,000 | 5,069 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5156% | 2,043 |
| Cost of funding earning assets | 0.6855% | 1,710 |
| Net interest margin | 3.8301% | 2,453 |
| Noninterest income to average assets | 0.4192% | 3,356 |
| Noninterest expense to average assets | 2.4787% | 3,686 |
| Loan and lease loss provision to assets | 0.0911% | 2,104 |
| Net operating income to assets | 1.1528% | 2,384 |
| Return on assets (ROA) | 1.1346% | 2,469 |
| Pretax return on assets | 1.4717% | 1,919 |
| Return on Equity (ROE) | 12.1711% | 1,663 |
| Retained earnings to average equity (ytd only) | 9.7271% | 1,002 |
| Net charge-offs to loans | 0.0259% | 2,339 |
| Credit loss provision to net charge-offs | 666.6667% | 578 |
| Earnings coverage of net charge-offs (x) | 115.6667% | 624 |
| Efficiency ratio | 61.0550% | 3,757 |
| Assets per employee ($millions) | 5.6178% | 1,789 |
| Cash dividends to net income (ytd only)* | 20.0803% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 2,711 |
| Loan loss allowance to noncurrent loans | 62.0609% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 0.9501% | 1,592 |
| Noncurrent loans to loans | 1.9341% | 791 |
| Net loans and leases to total assets | 48.5337% | 4,689 |
| Net loans and leases to deposits | 53.9941% | 4,845 |
| Net loans and leases to core deposits | 53.9941% | 4,936 |
| Total domestic deposits to total assets | 89.8870% | 611 |
| Equity capital to assets | 9.2252% | 4,356 |
| Core capital (leverage) ratio | 9.7017% | 3,883 |
| Tier 1 risk-based capital ratio | 15.2001% | 2,780 |
| Total risk-based capital ratio | 16.1404% | 2,846 |
| Memoranda: | ||
| Average total assets | $43,893,330 | 5,170 |
| Average earning assets | $41,722,330 | 5,134 |
| Average equity | $4,091,670 | 5,287 |
| Average total loans | $23,178,000 | 5,114 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5148% | 1,819 |
| Cost of funding earning assets | 0.6835% | 1,532 |
| Net interest margin | 3.8313% | 2,298 |
| Noninterest income to average assets | 0.3966% | 3,495 |
| Noninterest expense to average assets | 2.6932% | 3,064 |
| Loan and lease loss provision to assets | 0.1383% | 1,364 |
| Net operating income to assets | 1.0238% | 2,759 |
| Return on assets (ROA) | 0.9961% | 2,894 |
| Pretax return on assets | 1.2082% | 2,717 |
| Return on Equity (ROE) | 10.6286% | 2,116 |
| Retained earnings to average equity (ytd only) | 10.6286% | 983 |
| Net charge-offs to loans | 0.0843% | 1,305 |
| Credit loss provision to net charge-offs | 300.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 29.8000% | 1,244 |
| Efficiency ratio | 66.2132% | 3,121 |
| Assets per employee ($millions) | 5.4099% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 3,281 |
| Loan loss allowance to noncurrent loans | 163.2911% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.3997% | 3,234 |
| Noncurrent loans to loans | 0.6837% | 2,498 |
| Net loans and leases to total assets | 52.7970% | 4,380 |
| Net loans and leases to deposits | 58.6108% | 4,560 |
| Net loans and leases to core deposits | 58.6108% | 4,720 |
| Total domestic deposits to total assets | 90.0806% | 630 |
| Equity capital to assets | 9.3741% | 4,209 |
| Core capital (leverage) ratio | 9.5822% | 3,982 |
| Tier 1 risk-based capital ratio | 14.9090% | 2,908 |
| Total risk-based capital ratio | 15.8263% | 2,987 |
| Memoranda: | ||
| Average total assets | $43,369,000 | 5,234 |
| Average earning assets | $41,552,000 | 5,199 |
| Average equity | $4,064,500 | 5,347 |
| Average total loans | $23,728,500 | 5,152 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1619% | 2,831 |
| Cost of funding earning assets | 0.5190% | 2,189 |
| Net interest margin | 3.6429% | 3,011 |
| Noninterest income to average assets | 0.4706% | 3,186 |
| Noninterest expense to average assets | 2.4972% | 3,794 |
| Loan and lease loss provision to assets | 0.0236% | 3,824 |
| Net operating income to assets | 1.1412% | 1,707 |
| Return on assets (ROA) | 1.1800% | 1,604 |
| Pretax return on assets | 1.4827% | 1,710 |
| Return on Equity (ROE) | 12.4837% | 1,084 |
| Retained earnings to average equity (ytd only) | 5.6039% | 1,770 |
| Net charge-offs to loans | 0.0097% | 3,749 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 308.5000% | 277 |
| Efficiency ratio | 63.1201% | 3,755 |
| Assets per employee ($millions) | 5.4324% | 2,011 |
| Cash dividends to net income (ytd only)* | 55.1102% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 3,820 |
| Loan loss allowance to noncurrent loans | 172.2222% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 3,543 |
| Noncurrent loans to loans | 0.5914% | 2,742 |
| Net loans and leases to total assets | 55.4569% | 4,233 |
| Net loans and leases to deposits | 61.9786% | 4,453 |
| Net loans and leases to core deposits | 61.9786% | 4,656 |
| Total domestic deposits to total assets | 89.4774% | 788 |
| Equity capital to assets | 9.3698% | 4,362 |
| Core capital (leverage) ratio | 9.6631% | 3,855 |
| Tier 1 risk-based capital ratio | 14.0508% | 3,333 |
| Total risk-based capital ratio | 14.9039% | 3,454 |
| Memoranda: | ||
| Average total assets | $42,287,200 | 5,300 |
| Average earning assets | $40,462,200 | 5,267 |
| Average equity | $3,997,200 | 5,420 |
| Average total loans | $20,672,800 | 5,295 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1245% | 2,898 |
| Cost of funding earning assets | 0.4745% | 2,485 |
| Net interest margin | 3.6500% | 2,952 |
| Noninterest income to average assets | 0.4699% | 3,213 |
| Noninterest expense to average assets | 2.5590% | 3,540 |
| Loan and lease loss provision to assets | 0.0317% | 3,485 |
| Net operating income to assets | 1.1064% | 2,059 |
| Return on assets (ROA) | 1.1779% | 1,826 |
| Pretax return on assets | 1.4509% | 1,941 |
| Return on Equity (ROE) | 12.4331% | 1,205 |
| Retained earnings to average equity (ytd only) | 10.7576% | 449 |
| Net charge-offs to loans | 0.0202% | 3,089 |
| Credit loss provision to net charge-offs | 333.3333% | 894 |
| Earnings coverage of net charge-offs (x) | 147.3300% | 547 |
| Efficiency ratio | 64.5833% | 3,438 |
| Assets per employee ($millions) | 5.1806% | 2,245 |
| Cash dividends to net income (ytd only)* | 13.4782% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 3,265 |
| Loan loss allowance to noncurrent loans | 290.5882% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.2051% | 4,261 |
| Noncurrent loans to loans | 0.3916% | 3,551 |
| Net loans and leases to total assets | 51.7795% | 4,584 |
| Net loans and leases to deposits | 58.3993% | 4,733 |
| Net loans and leases to core deposits | 58.3993% | 4,898 |
| Total domestic deposits to total assets | 88.6645% | 1,031 |
| Equity capital to assets | 10.1942% | 3,699 |
| Core capital (leverage) ratio | 10.0820% | 3,466 |
| Tier 1 risk-based capital ratio | 15.4369% | 2,728 |
| Total risk-based capital ratio | 16.3486% | 2,804 |
| Memoranda: | ||
| Average total assets | $41,994,250 | 5,363 |
| Average earning assets | $40,181,750 | 5,327 |
| Average equity | $3,978,500 | 5,480 |
| Average total loans | $19,753,750 | 5,378 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1045% | 2,814 |
| Cost of funding earning assets | 0.4174% | 2,913 |
| Net interest margin | 3.6871% | 2,697 |
| Noninterest income to average assets | 0.4694% | 3,224 |
| Noninterest expense to average assets | 2.6934% | 3,112 |
| Loan and lease loss provision to assets | 0.0474% | 3,043 |
| Net operating income to assets | 1.0472% | 2,218 |
| Return on assets (ROA) | 1.0764% | 2,145 |
| Pretax return on assets | 1.2756% | 2,480 |
| Return on Equity (ROE) | 11.6520% | 1,406 |
| Retained earnings to average equity (ytd only) | 9.0855% | 814 |
| Net charge-offs to loans | 0.0314% | 2,571 |
| Credit loss provision to net charge-offs | 333.3333% | 885 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 695 |
| Efficiency ratio | 67.5386% | 3,088 |
| Assets per employee ($millions) | 5.2571% | 2,103 |
| Cash dividends to net income (ytd only)* | 22.0264% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 2,247 |
| Loan loss allowance to noncurrent loans | 294.0476% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 4,369 |
| Noncurrent loans to loans | 0.4544% | 3,384 |
| Net loans and leases to total assets | 43.3673% | 5,075 |
| Net loans and leases to deposits | 48.5700% | 5,186 |
| Net loans and leases to core deposits | 48.5700% | 5,266 |
| Total domestic deposits to total assets | 89.2883% | 811 |
| Equity capital to assets | 9.7439% | 4,180 |
| Core capital (leverage) ratio | 9.5883% | 4,028 |
| Tier 1 risk-based capital ratio | 15.9259% | 2,530 |
| Total risk-based capital ratio | 16.9000% | 2,578 |
| Memoranda: | ||
| Average total assets | $42,177,330 | 5,405 |
| Average earning assets | $40,248,670 | 5,364 |
| Average equity | $3,896,330 | 5,539 |
| Average total loans | $19,102,670 | 5,436 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1638% | 2,411 |
| Cost of funding earning assets | 0.3839% | 3,158 |
| Net interest margin | 3.7799% | 2,185 |
| Noninterest income to average assets | 0.4830% | 3,087 |
| Noninterest expense to average assets | 2.6043% | 3,486 |
| Loan and lease loss provision to assets | 0.0947% | 1,960 |
| Net operating income to assets | 1.1631% | 1,617 |
| Return on assets (ROA) | 1.2027% | 1,535 |
| Pretax return on assets | 1.4584% | 1,669 |
| Return on Equity (ROE) | 13.3843% | 927 |
| Retained earnings to average equity (ytd only) | 13.3843% | 344 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2184% | 3,950 |
| Assets per employee ($millions) | 4.7149% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 2,675 |
| Loan loss allowance to noncurrent loans | 160.2564% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.3676% | 3,728 |
| Noncurrent loans to loans | 0.7938% | 2,471 |
| Net loans and leases to total assets | 45.7251% | 4,956 |
| Net loans and leases to deposits | 50.5089% | 5,099 |
| Net loans and leases to core deposits | 50.5089% | 5,201 |
| Total domestic deposits to total assets | 90.5288% | 464 |
| Equity capital to assets | 9.2025% | 4,616 |
| Core capital (leverage) ratio | 9.4241% | 4,207 |
| Tier 1 risk-based capital ratio | 15.6712% | 2,676 |
| Total risk-based capital ratio | 16.6536% | 2,728 |
| Memoranda: | ||
| Average total assets | $42,237,500 | 5,461 |
| Average earning assets | $40,636,000 | 5,415 |
| Average equity | $3,795,500 | 5,606 |
| Average total loans | $19,411,000 | 5,483 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7738% | 3,983 |
| Cost of funding earning assets | 0.2954% | 4,118 |
| Net interest margin | 3.4784% | 3,514 |
| Noninterest income to average assets | 0.4830% | 3,334 |
| Noninterest expense to average assets | 2.1756% | 4,834 |
| Loan and lease loss provision to assets | 0.0230% | 3,910 |
| Net operating income to assets | 1.2657% | 1,312 |
| Return on assets (ROA) | 1.3684% | 1,114 |
| Pretax return on assets | 1.7754% | 852 |
| Return on Equity (ROE) | 15.3715% | 578 |
| Retained earnings to average equity (ytd only) | 8.2670% | 766 |
| Net charge-offs to loans | 0.4294% | 598 |
| Credit loss provision to net charge-offs | 13.5135% | 3,723 |
| Earnings coverage of net charge-offs (x) | 9.7838% | 2,717 |
| Efficiency ratio | 56.6467% | 4,998 |
| Assets per employee ($millions) | 4.6712% | 2,844 |
| Cash dividends to net income (ytd only)* | 46.2185% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 2,803 |
| Loan loss allowance to noncurrent loans | 86.0215% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 0.6636% | 2,729 |
| Noncurrent loans to loans | 1.4555% | 1,392 |
| Net loans and leases to total assets | 45.0251% | 5,066 |
| Net loans and leases to deposits | 49.7673% | 5,222 |
| Net loans and leases to core deposits | 49.7673% | 5,309 |
| Total domestic deposits to total assets | 90.4712% | 457 |
| Equity capital to assets | 8.7676% | 5,048 |
| Core capital (leverage) ratio | 9.1061% | 4,607 |
| Tier 1 risk-based capital ratio | 15.5535% | 2,724 |
| Total risk-based capital ratio | 16.5203% | 2,784 |
| Memoranda: | ||
| Average total assets | $43,482,200 | 5,477 |
| Average earning assets | $41,973,200 | 5,421 |
| Average equity | $3,870,800 | 5,658 |
| Average total loans | $17,232,000 | 5,605 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7587% | 4,050 |
| Cost of funding earning assets | 0.2865% | 4,235 |
| Net interest margin | 3.4723% | 3,576 |
| Noninterest income to average assets | 0.4683% | 3,437 |
| Noninterest expense to average assets | 2.1592% | 4,869 |
| Loan and lease loss provision to assets | 0.0304% | 3,628 |
| Net operating income to assets | 1.2636% | 1,402 |
| Return on assets (ROA) | 1.3715% | 1,192 |
| Pretax return on assets | 1.7760% | 936 |
| Return on Equity (ROE) | 15.3515% | 626 |
| Retained earnings to average equity (ytd only) | 13.6495% | 190 |
| Net charge-offs to loans | 0.5891% | 355 |
| Credit loss provision to net charge-offs | 13.5135% | 3,342 |
| Earnings coverage of net charge-offs (x) | 7.3923% | 2,878 |
| Efficiency ratio | 56.4837% | 5,009 |
| Assets per employee ($millions) | 4.6792% | 2,783 |
| Cash dividends to net income (ytd only)* | 11.0873% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 2,023 |
| Loan loss allowance to noncurrent loans | 204.2373% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 4,307 |
| Noncurrent loans to loans | 0.7048% | 2,926 |
| Net loans and leases to total assets | 39.1850% | 5,424 |
| Net loans and leases to deposits | 43.8556% | 5,516 |
| Net loans and leases to core deposits | 43.8556% | 5,583 |
| Total domestic deposits to total assets | 89.3501% | 736 |
| Equity capital to assets | 9.8141% | 4,347 |
| Core capital (leverage) ratio | 9.2453% | 4,540 |
| Tier 1 risk-based capital ratio | 17.3796% | 2,109 |
| Total risk-based capital ratio | 18.4424% | 2,124 |
| Memoranda: | ||
| Average total assets | $43,842,500 | 5,524 |
| Average earning assets | $42,353,750 | 5,473 |
| Average equity | $3,917,000 | 5,714 |
| Average total loans | $16,747,750 | 5,681 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7028% | 4,293 |
| Cost of funding earning assets | 0.2705% | 4,433 |
| Net interest margin | 3.4324% | 3,753 |
| Noninterest income to average assets | 0.4503% | 3,521 |
| Noninterest expense to average assets | 2.1747% | 4,901 |
| Loan and lease loss provision to assets | 0.0450% | 3,253 |
| Net operating income to assets | 1.1954% | 1,621 |
| Return on assets (ROA) | 1.3553% | 1,224 |
| Pretax return on assets | 1.7560% | 968 |
| Return on Equity (ROE) | 15.6567% | 584 |
| Retained earnings to average equity (ytd only) | 13.0559% | 232 |
| Net charge-offs to loans | -0.0119% | 4,755 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7751% | 4,933 |
| Assets per employee ($millions) | 4.8554% | 2,474 |
| Cash dividends to net income (ytd only)* | 16.6113% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8832% | 924 |
| Loan loss allowance to noncurrent loans | 325.7732% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 4,607 |
| Noncurrent loans to loans | 0.5781% | 3,328 |
| Net loans and leases to total assets | 37.6759% | 5,526 |
| Net loans and leases to deposits | 41.9027% | 5,622 |
| Net loans and leases to core deposits | 41.9027% | 5,685 |
| Total domestic deposits to total assets | 89.9128% | 523 |
| Equity capital to assets | 9.2474% | 5,027 |
| Core capital (leverage) ratio | 8.6818% | 5,183 |
| Tier 1 risk-based capital ratio | 16.5894% | 2,397 |
| Total risk-based capital ratio | 17.8496% | 2,340 |
| Memoranda: | ||
| Average total assets | $44,419,000 | 5,575 |
| Average earning assets | $42,886,000 | 5,521 |
| Average equity | $3,845,000 | 5,786 |
| Average total loans | $16,749,330 | 5,744 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6682% | 4,429 |
| Cost of funding earning assets | 0.2495% | 4,713 |
| Net interest margin | 3.4187% | 3,807 |
| Noninterest income to average assets | 0.4198% | 3,683 |
| Noninterest expense to average assets | 2.3315% | 4,571 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0778% | 1,992 |
| Return on assets (ROA) | 1.3310% | 1,265 |
| Pretax return on assets | 1.7330% | 981 |
| Return on Equity (ROE) | 15.9061% | 545 |
| Retained earnings to average equity (ytd only) | 15.9061% | 196 |
| Net charge-offs to loans | -0.0478% | 5,300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5899% | 4,360 |
| Assets per employee ($millions) | 4.9631% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8024% | 1,145 |
| Loan loss allowance to noncurrent loans | 332.6087% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.2060% | 4,735 |
| Noncurrent loans to loans | 0.5419% | 3,563 |
| Net loans and leases to total assets | 37.3220% | 5,585 |
| Net loans and leases to deposits | 40.9899% | 5,682 |
| Net loans and leases to core deposits | 40.9899% | 5,748 |
| Total domestic deposits to total assets | 91.0518% | 256 |
| Equity capital to assets | 8.5251% | 5,552 |
| Core capital (leverage) ratio | 8.2403% | 5,618 |
| Tier 1 risk-based capital ratio | 15.8969% | 2,734 |
| Total risk-based capital ratio | 17.1635% | 2,662 |
| Memoranda: | ||
| Average total assets | $44,779,000 | 5,624 |
| Average earning assets | $43,291,000 | 5,568 |
| Average equity | $3,747,000 | 5,850 |
| Average total loans | $16,734,000 | 5,798 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5175% | 4,874 |
| Cost of funding earning assets | 0.2581% | 4,708 |
| Net interest margin | 3.2594% | 4,441 |
| Noninterest income to average assets | 0.4699% | 3,531 |
| Noninterest expense to average assets | 2.5564% | 4,050 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8457% | 3,134 |
| Return on assets (ROA) | 0.8746% | 3,084 |
| Pretax return on assets | 1.1017% | 3,054 |
| Return on Equity (ROE) | 10.8684% | 1,658 |
| Retained earnings to average equity (ytd only) | -5.9231% | 5,955 |
| Net charge-offs to loans | -0.4550% | 6,075 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5773% | 3,129 |
| Assets per employee ($millions) | 4.9878% | 2,380 |
| Cash dividends to net income (ytd only)* | 154.4987% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8434% | 1,058 |
| Loan loss allowance to noncurrent loans | 129.3617% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.5235% | 3,546 |
| Noncurrent loans to loans | 1.4250% | 1,631 |
| Net loans and leases to total assets | 36.0593% | 5,706 |
| Net loans and leases to deposits | 39.6041% | 5,782 |
| Net loans and leases to core deposits | 39.6041% | 5,836 |
| Total domestic deposits to total assets | 91.0492% | 266 |
| Equity capital to assets | 8.2112% | 5,755 |
| Core capital (leverage) ratio | 7.9734% | 5,850 |
| Tier 1 risk-based capital ratio | 15.4798% | 2,940 |
| Total risk-based capital ratio | 16.7475% | 2,870 |
| Memoranda: | ||
| Average total assets | $44,476,000 | 5,671 |
| Average earning assets | $43,014,000 | 5,608 |
| Average equity | $3,579,200 | 5,913 |
| Average total loans | $15,604,200 | 5,877 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5084% | 4,962 |
| Cost of funding earning assets | 0.2553% | 4,821 |
| Net interest margin | 3.2532% | 4,515 |
| Noninterest income to average assets | 0.4537% | 3,685 |
| Noninterest expense to average assets | 2.6322% | 3,764 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7840% | 3,502 |
| Return on assets (ROA) | 0.8113% | 3,473 |
| Pretax return on assets | 0.9916% | 3,643 |
| Return on Equity (ROE) | 10.1334% | 2,052 |
| Retained earnings to average equity (ytd only) | -6.7932% | 6,072 |
| Net charge-offs to loans | 0.0434% | 3,027 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 63.9670% | 872 |
| Efficiency ratio | 73.2441% | 2,677 |
| Assets per employee ($millions) | 5.5496% | 1,738 |
| Cash dividends to net income (ytd only)* | 167.0380% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4705% | 2,277 |
| Loan loss allowance to noncurrent loans | 141.6149% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 4,320 |
| Noncurrent loans to loans | 1.0384% | 2,399 |
| Net loans and leases to total assets | 34.4100% | 5,844 |
| Net loans and leases to deposits | 38.1077% | 5,923 |
| Net loans and leases to core deposits | 38.1077% | 5,972 |
| Total domestic deposits to total assets | 90.2966% | 467 |
| Equity capital to assets | 8.3429% | 5,806 |
| Core capital (leverage) ratio | 8.2270% | 5,755 |
| Tier 1 risk-based capital ratio | 16.3186% | 2,666 |
| Total risk-based capital ratio | 17.3605% | 2,705 |
| Memoranda: | ||
| Average total assets | $44,372,500 | 5,746 |
| Average earning assets | $42,829,000 | 5,683 |
| Average equity | $3,552,500 | 5,996 |
| Average total loans | $15,382,500 | 5,958 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5756% | 4,787 |
| Cost of funding earning assets | 0.2567% | 4,873 |
| Net interest margin | 3.3189% | 4,215 |
| Noninterest income to average assets | 0.4463% | 3,733 |
| Noninterest expense to average assets | 2.9844% | 2,606 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6086% | 4,300 |
| Return on assets (ROA) | 0.6221% | 4,364 |
| Pretax return on assets | 0.6807% | 4,719 |
| Return on Equity (ROE) | 7.8812% | 3,120 |
| Retained earnings to average equity (ytd only) | -17.8755% | 6,254 |
| Net charge-offs to loans | -0.0130% | 5,012 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7284% | 1,528 |
| Assets per employee ($millions) | 5.5024% | 1,735 |
| Cash dividends to net income (ytd only)* | 326.8116% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5460% | 2,092 |
| Loan loss allowance to noncurrent loans | 107.3394% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.4952% | 3,967 |
| Noncurrent loans to loans | 1.4403% | 1,850 |
| Net loans and leases to total assets | 33.8536% | 5,916 |
| Net loans and leases to deposits | 36.9135% | 6,006 |
| Net loans and leases to core deposits | 36.9135% | 6,049 |
| Total domestic deposits to total assets | 91.7104% | 160 |
| Equity capital to assets | 7.9284% | 6,014 |
| Core capital (leverage) ratio | 7.6901% | 6,041 |
| Tier 1 risk-based capital ratio | 16.1349% | 2,785 |
| Total risk-based capital ratio | 17.2328% | 2,825 |
| Memoranda: | ||
| Average total assets | $44,364,330 | 5,810 |
| Average earning assets | $42,845,670 | 5,744 |
| Average equity | $3,502,000 | 6,065 |
| Average total loans | $15,341,670 | 6,021 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5536% | 4,819 |
| Cost of funding earning assets | 0.2512% | 5,008 |
| Net interest margin | 3.3024% | 4,207 |
| Noninterest income to average assets | 0.4131% | 3,895 |
| Noninterest expense to average assets | 2.4878% | 4,301 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8712% | 2,892 |
| Return on assets (ROA) | 0.8712% | 3,015 |
| Pretax return on assets | 1.1137% | 3,025 |
| Return on Equity (ROE) | 11.0604% | 1,616 |
| Retained earnings to average equity (ytd only) | 11.0604% | 711 |
| Net charge-offs to loans | -0.1554% | 5,990 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0773% | 3,645 |
| Assets per employee ($millions) | 5.6665% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4801% | 2,535 |
| Loan loss allowance to noncurrent loans | 129.1892% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.4081% | 4,397 |
| Noncurrent loans to loans | 1.1457% | 2,478 |
| Net loans and leases to total assets | 35.0944% | 5,869 |
| Net loans and leases to deposits | 38.2842% | 5,974 |
| Net loans and leases to core deposits | 38.2842% | 6,032 |
| Total domestic deposits to total assets | 91.6681% | 198 |
| Equity capital to assets | 7.8752% | 6,076 |
| Core capital (leverage) ratio | 7.7086% | 6,066 |
| Tier 1 risk-based capital ratio | 15.4097% | 3,192 |
| Total risk-based capital ratio | 16.4775% | 3,232 |
| Memoranda: | ||
| Average total assets | $44,537,000 | 5,858 |
| Average earning assets | $42,998,500 | 5,786 |
| Average equity | $3,508,000 | 6,125 |
| Average total loans | $15,444,500 | 6,075 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4881% | 5,343 |
| Cost of funding earning assets | 0.3089% | 4,701 |
| Net interest margin | 3.1792% | 4,987 |
| Noninterest income to average assets | 0.5068% | 3,454 |
| Noninterest expense to average assets | 2.1049% | 5,561 |
| Loan and lease loss provision to assets | 0.0566% | 3,417 |
| Net operating income to assets | 1.0661% | 2,104 |
| Return on assets (ROA) | 1.1055% | 2,009 |
| Pretax return on assets | 1.4543% | 1,710 |
| Return on Equity (ROE) | 14.6370% | 834 |
| Retained earnings to average equity (ytd only) | 9.9557% | 525 |
| Net charge-offs to loans | 0.0743% | 3,425 |
| Credit loss provision to net charge-offs | 218.1818% | 1,143 |
| Earnings coverage of net charge-offs (x) | 56.2727% | 840 |
| Efficiency ratio | 59.0608% | 5,339 |
| Assets per employee ($millions) | 5.4678% | 1,796 |
| Cash dividends to net income (ytd only)* | 31.9829% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5806% | 2,153 |
| Loan loss allowance to noncurrent loans | 115.3465% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.4618% | 4,273 |
| Noncurrent loans to loans | 1.3703% | 2,142 |
| Net loans and leases to total assets | 33.1672% | 6,077 |
| Net loans and leases to deposits | 36.2528% | 6,161 |
| Net loans and leases to core deposits | 36.2528% | 6,198 |
| Total domestic deposits to total assets | 91.4887% | 230 |
| Equity capital to assets | 7.8780% | 6,114 |
| Core capital (leverage) ratio | 7.5484% | 6,188 |
| Tier 1 risk-based capital ratio | 15.9992% | 2,960 |
| Total risk-based capital ratio | 17.1114% | 2,981 |
| Memoranda: | ||
| Average total assets | $42,425,000 | 5,974 |
| Average earning assets | $40,796,000 | 5,898 |
| Average equity | $3,204,200 | 6,229 |
| Average total loans | $14,802,400 | 6,165 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5039% | 5,386 |
| Cost of funding earning assets | 0.3200% | 4,671 |
| Net interest margin | 3.1839% | 5,018 |
| Noninterest income to average assets | 0.5068% | 3,498 |
| Noninterest expense to average assets | 2.0493% | 5,678 |
| Loan and lease loss provision to assets | 0.0760% | 2,817 |
| Net operating income to assets | 1.0633% | 2,184 |
| Return on assets (ROA) | 1.1149% | 2,037 |
| Pretax return on assets | 1.5076% | 1,623 |
| Return on Equity (ROE) | 14.9287% | 842 |
| Retained earnings to average equity (ytd only) | 12.8083% | 345 |
| Net charge-offs to loans | 0.0270% | 3,957 |
| Credit loss provision to net charge-offs | 800.0000% | 388 |
| Earnings coverage of net charge-offs (x) | 159.3300% | 390 |
| Efficiency ratio | 57.5111% | 5,506 |
| Assets per employee ($millions) | 5.4246% | 1,796 |
| Cash dividends to net income (ytd only)* | 14.2057% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7446% | 1,840 |
| Loan loss allowance to noncurrent loans | 179.8507% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 5,031 |
| Noncurrent loans to loans | 0.9700% | 3,140 |
| Net loans and leases to total assets | 31.2764% | 6,211 |
| Net loans and leases to deposits | 34.1949% | 6,288 |
| Net loans and leases to core deposits | 34.1949% | 6,317 |
| Total domestic deposits to total assets | 91.4648% | 242 |
| Equity capital to assets | 7.8784% | 6,187 |
| Core capital (leverage) ratio | 7.8068% | 6,168 |
| Tier 1 risk-based capital ratio | 16.6003% | 2,768 |
| Total risk-based capital ratio | 17.7999% | 2,745 |
| Memoranda: | ||
| Average total assets | $42,095,750 | 6,050 |
| Average earning assets | $40,410,500 | 5,982 |
| Average equity | $3,143,750 | 6,312 |
| Average total loans | $14,817,750 | 6,232 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5858% | 5,186 |
| Cost of funding earning assets | 0.3355% | 4,580 |
| Net interest margin | 3.2503% | 4,781 |
| Noninterest income to average assets | 0.5041% | 3,457 |
| Noninterest expense to average assets | 1.9970% | 5,844 |
| Loan and lease loss provision to assets | 0.0672% | 2,921 |
| Net operating income to assets | 1.1422% | 1,781 |
| Return on assets (ROA) | 1.2145% | 1,606 |
| Pretax return on assets | 1.6562% | 1,123 |
| Return on Equity (ROE) | 16.5793% | 594 |
| Retained earnings to average equity (ytd only) | 13.3028% | 310 |
| Net charge-offs to loans | 0.0264% | 3,664 |
| Credit loss provision to net charge-offs | 700.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 169.0000% | 370 |
| Efficiency ratio | 55.1724% | 5,820 |
| Assets per employee ($millions) | 5.3919% | 1,790 |
| Cash dividends to net income (ytd only)* | 19.7628% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6030% | 2,443 |
| Loan loss allowance to noncurrent loans | 703.0303% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 5,947 |
| Noncurrent loans to loans | 0.2280% | 5,318 |
| Net loans and leases to total assets | 33.0150% | 6,200 |
| Net loans and leases to deposits | 36.2994% | 6,284 |
| Net loans and leases to core deposits | 36.2994% | 6,319 |
| Total domestic deposits to total assets | 90.9517% | 427 |
| Equity capital to assets | 7.6550% | 6,307 |
| Core capital (leverage) ratio | 7.7376% | 6,232 |
| Tier 1 risk-based capital ratio | 17.0630% | 2,591 |
| Total risk-based capital ratio | 18.2863% | 2,562 |
| Memoranda: | ||
| Average total assets | $41,662,000 | 6,117 |
| Average earning assets | $39,935,330 | 6,043 |
| Average equity | $3,052,000 | 6,383 |
| Average total loans | $15,152,330 | 6,282 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7034% | 4,836 |
| Cost of funding earning assets | 0.3376% | 4,668 |
| Net interest margin | 3.3658% | 4,269 |
| Noninterest income to average assets | 0.4789% | 3,573 |
| Noninterest expense to average assets | 2.2382% | 5,361 |
| Loan and lease loss provision to assets | 0.1075% | 2,138 |
| Net operating income to assets | 1.0116% | 2,164 |
| Return on assets (ROA) | 1.0751% | 1,981 |
| Pretax return on assets | 1.4368% | 1,615 |
| Return on Equity (ROE) | 15.0325% | 769 |
| Retained earnings to average equity (ytd only) | 15.0325% | 316 |
| Net charge-offs to loans | 0.0516% | 2,663 |
| Credit loss provision to net charge-offs | 550.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 74.5000% | 569 |
| Efficiency ratio | 60.5820% | 5,324 |
| Assets per employee ($millions) | 5.2366% | 1,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 3,229 |
| Loan loss allowance to noncurrent loans | 916.0000% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 6,094 |
| Noncurrent loans to loans | 0.1616% | 5,600 |
| Net loans and leases to total assets | 36.3784% | 6,049 |
| Net loans and leases to deposits | 39.5351% | 6,185 |
| Net loans and leases to core deposits | 39.5351% | 6,254 |
| Total domestic deposits to total assets | 92.0154% | 239 |
| Equity capital to assets | 7.5764% | 6,289 |
| Core capital (leverage) ratio | 7.7368% | 6,256 |
| Tier 1 risk-based capital ratio | 16.1188% | 3,112 |
| Total risk-based capital ratio | 17.2932% | 3,104 |
| Memoranda: | ||
| Average total assets | $40,925,500 | 6,206 |
| Average earning assets | $39,099,000 | 6,125 |
| Average equity | $2,927,000 | 6,464 |
| Average total loans | $15,492,000 | 6,331 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6625% | 5,235 |
| Cost of funding earning assets | 0.3732% | 4,910 |
| Net interest margin | 3.2892% | 4,705 |
| Noninterest income to average assets | 0.5437% | 3,445 |
| Noninterest expense to average assets | 2.1748% | 5,688 |
| Loan and lease loss provision to assets | 0.2180% | 1,672 |
| Net operating income to assets | 0.9823% | 2,406 |
| Return on assets (ROA) | 0.9874% | 2,453 |
| Pretax return on assets | 1.2977% | 2,163 |
| Return on Equity (ROE) | 13.5249% | 1,059 |
| Retained earnings to average equity (ytd only) | 6.8503% | 1,503 |
| Net charge-offs to loans | 0.4778% | 1,392 |
| Credit loss provision to net charge-offs | 118.0556% | 2,034 |
| Earnings coverage of net charge-offs (x) | 8.1806% | 2,711 |
| Efficiency ratio | 59.0118% | 5,603 |
| Assets per employee ($millions) | 4.9948% | 2,186 |
| Cash dividends to net income (ytd only)* | 49.3506% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4180% | 3,558 |
| Loan loss allowance to noncurrent loans | 880.0000% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 6,170 |
| Noncurrent loans to loans | 0.1611% | 5,712 |
| Net loans and leases to total assets | 38.2777% | 6,070 |
| Net loans and leases to deposits | 41.2509% | 6,261 |
| Net loans and leases to core deposits | 41.2509% | 6,326 |
| Total domestic deposits to total assets | 92.7924% | 156 |
| Equity capital to assets | 6.7070% | 6,530 |
| Core capital (leverage) ratio | 7.6738% | 6,316 |
| Tier 1 risk-based capital ratio | 15.2942% | 3,487 |
| Total risk-based capital ratio | 16.4036% | 3,521 |
| Memoranda: | ||
| Average total assets | $38,991,600 | 6,311 |
| Average earning assets | $37,242,800 | 6,244 |
| Average equity | $2,846,600 | 6,560 |
| Average total loans | $15,068,400 | 6,413 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6946% | 5,183 |
| Cost of funding earning assets | 0.3821% | 4,978 |
| Net interest margin | 3.3125% | 4,593 |
| Noninterest income to average assets | 0.5367% | 3,543 |
| Noninterest expense to average assets | 2.1677% | 5,687 |
| Loan and lease loss provision to assets | 0.2581% | 1,379 |
| Net operating income to assets | 0.9531% | 2,576 |
| Return on assets (ROA) | 0.9634% | 2,630 |
| Pretax return on assets | 1.2834% | 2,392 |
| Return on Equity (ROE) | 12.9255% | 1,256 |
| Retained earnings to average equity (ytd only) | 10.6175% | 660 |
| Net charge-offs to loans | 0.6151% | 1,009 |
| Credit loss provision to net charge-offs | 108.6957% | 2,160 |
| Earnings coverage of net charge-offs (x) | 6.4491% | 2,971 |
| Efficiency ratio | 58.6047% | 5,612 |
| Assets per employee ($millions) | 4.8849% | 2,328 |
| Cash dividends to net income (ytd only)* | 17.8587% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 3,734 |
| Loan loss allowance to noncurrent loans | 219.5876% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.3020% | 5,514 |
| Noncurrent loans to loans | 0.6559% | 4,563 |
| Net loans and leases to total assets | 37.2962% | 6,206 |
| Net loans and leases to deposits | 40.3907% | 6,371 |
| Net loans and leases to core deposits | 40.3907% | 6,436 |
| Total domestic deposits to total assets | 92.3386% | 200 |
| Equity capital to assets | 7.2878% | 6,465 |
| Core capital (leverage) ratio | 8.0104% | 6,213 |
| Tier 1 risk-based capital ratio | 16.2234% | 3,075 |
| Total risk-based capital ratio | 17.3497% | 3,101 |
| Memoranda: | ||
| Average total assets | $38,750,000 | 6,394 |
| Average earning assets | $36,990,250 | 6,327 |
| Average equity | $2,888,250 | 6,624 |
| Average total loans | $14,956,750 | 6,480 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7281% | 5,062 |
| Cost of funding earning assets | 0.3961% | 4,980 |
| Net interest margin | 3.3319% | 4,440 |
| Noninterest income to average assets | 0.5124% | 3,755 |
| Noninterest expense to average assets | 2.2412% | 5,520 |
| Loan and lease loss provision to assets | 0.1812% | 2,098 |
| Net operating income to assets | 0.9472% | 2,583 |
| Return on assets (ROA) | 0.9420% | 2,749 |
| Pretax return on assets | 1.2629% | 2,433 |
| Return on Equity (ROE) | 12.5445% | 1,349 |
| Retained earnings to average equity (ytd only) | 9.0982% | 1,083 |
| Net charge-offs to loans | 0.2265% | 2,375 |
| Credit loss provision to net charge-offs | 205.8824% | 1,165 |
| Earnings coverage of net charge-offs (x) | 16.4706% | 1,664 |
| Efficiency ratio | 60.7293% | 5,377 |
| Assets per employee ($millions) | 4.8784% | 2,262 |
| Cash dividends to net income (ytd only)* | 27.4725% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5515% | 3,358 |
| Loan loss allowance to noncurrent loans | 204.5455% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.3357% | 5,473 |
| Noncurrent loans to loans | 0.7585% | 4,404 |
| Net loans and leases to total assets | 36.5824% | 6,260 |
| Net loans and leases to deposits | 39.5255% | 6,426 |
| Net loans and leases to core deposits | 39.5255% | 6,490 |
| Total domestic deposits to total assets | 92.5539% | 176 |
| Equity capital to assets | 7.0541% | 6,592 |
| Core capital (leverage) ratio | 7.6824% | 6,375 |
| Tier 1 risk-based capital ratio | 15.6665% | 3,389 |
| Total risk-based capital ratio | 16.8530% | 3,375 |
| Memoranda: | ||
| Average total assets | $38,640,330 | 6,441 |
| Average earning assets | $36,855,670 | 6,376 |
| Average equity | $2,901,670 | 6,677 |
| Average total loans | $15,013,000 | 6,519 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7802% | 4,891 |
| Cost of funding earning assets | 0.4333% | 4,769 |
| Net interest margin | 3.3469% | 4,330 |
| Noninterest income to average assets | 0.4890% | 3,853 |
| Noninterest expense to average assets | 2.3825% | 5,176 |
| Loan and lease loss provision to assets | 0.1561% | 2,305 |
| Net operating income to assets | 0.8739% | 2,782 |
| Return on assets (ROA) | 0.8011% | 3,292 |
| Pretax return on assets | 1.0924% | 2,983 |
| Return on Equity (ROE) | 10.3495% | 1,930 |
| Retained earnings to average equity (ytd only) | 10.3495% | 1,020 |
| Net charge-offs to loans | 0.2882% | 1,814 |
| Credit loss provision to net charge-offs | 136.3636% | 1,457 |
| Earnings coverage of net charge-offs (x) | 11.5455% | 1,659 |
| Efficiency ratio | 64.3258% | 4,956 |
| Assets per employee ($millions) | 4.8441% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 4,279 |
| Loan loss allowance to noncurrent loans | 164.8438% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.3845% | 5,439 |
| Noncurrent loans to loans | 0.8446% | 4,429 |
| Net loans and leases to total assets | 38.5648% | 6,116 |
| Net loans and leases to deposits | 42.1116% | 6,312 |
| Net loans and leases to core deposits | 42.1116% | 6,399 |
| Total domestic deposits to total assets | 91.5774% | 333 |
| Equity capital to assets | 7.7749% | 6,483 |
| Core capital (leverage) ratio | 7.5562% | 6,446 |
| Tier 1 risk-based capital ratio | 14.7302% | 4,011 |
| Total risk-based capital ratio | 15.7961% | 4,107 |
| Memoranda: | ||
| Average total assets | $38,447,000 | 6,501 |
| Average earning assets | $36,929,500 | 6,436 |
| Average equity | $2,976,000 | 6,729 |
| Average total loans | $15,268,500 | 6,569 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9078% | 5,554 |
| Cost of funding earning assets | 0.4809% | 5,344 |
| Net interest margin | 3.4268% | 4,792 |
| Noninterest income to average assets | 0.4985% | 3,914 |
| Noninterest expense to average assets | 2.1881% | 5,948 |
| Loan and lease loss provision to assets | 0.5195% | 1,126 |
| Net operating income to assets | 0.8015% | 3,279 |
| Return on assets (ROA) | 0.8763% | 3,170 |
| Pretax return on assets | 1.1623% | 2,941 |
| Return on Equity (ROE) | 11.4048% | 1,681 |
| Retained earnings to average equity (ytd only) | 3.7219% | 3,596 |
| Net charge-offs to loans | 0.6968% | 1,699 |
| Credit loss provision to net charge-offs | 186.7925% | 1,399 |
| Earnings coverage of net charge-offs (x) | 5.6887% | 2,975 |
| Efficiency ratio | 58.0376% | 5,823 |
| Assets per employee ($millions) | 4.7676% | 2,549 |
| Cash dividends to net income (ytd only)* | 67.3653% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3458% | 4,426 |
| Loan loss allowance to noncurrent loans | 220.2128% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 5,775 |
| Noncurrent loans to loans | 0.6111% | 4,986 |
| Net loans and leases to total assets | 39.7840% | 6,184 |
| Net loans and leases to deposits | 43.5696% | 6,393 |
| Net loans and leases to core deposits | 43.5696% | 6,485 |
| Total domestic deposits to total assets | 91.3112% | 396 |
| Equity capital to assets | 7.7056% | 6,552 |
| Core capital (leverage) ratio | 7.3808% | 6,546 |
| Tier 1 risk-based capital ratio | 14.3370% | 4,136 |
| Total risk-based capital ratio | 15.3827% | 4,244 |
| Memoranda: | ||
| Average total assets | $38,115,200 | 6,556 |
| Average earning assets | $36,389,200 | 6,489 |
| Average equity | $2,928,600 | 6,801 |
| Average total loans | $15,213,400 | 6,646 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9527% | 5,652 |
| Cost of funding earning assets | 0.4812% | 5,561 |
| Net interest margin | 3.4714% | 4,748 |
| Noninterest income to average assets | 0.4758% | 4,094 |
| Noninterest expense to average assets | 2.1517% | 6,061 |
| Loan and lease loss provision to assets | 0.6158% | 872 |
| Net operating income to assets | 0.7533% | 3,677 |
| Return on assets (ROA) | 0.8852% | 3,292 |
| Pretax return on assets | 1.1755% | 3,080 |
| Return on Equity (ROE) | 11.5284% | 1,787 |
| Retained earnings to average equity (ytd only) | 9.2502% | 1,140 |
| Net charge-offs to loans | 0.2285% | 3,349 |
| Credit loss provision to net charge-offs | 676.9231% | 396 |
| Earnings coverage of net charge-offs (x) | 17.9210% | 1,598 |
| Efficiency ratio | 56.8918% | 5,934 |
| Assets per employee ($millions) | 4.8245% | 2,407 |
| Cash dividends to net income (ytd only)* | 19.7646% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7365% | 3,012 |
| Loan loss allowance to noncurrent loans | 220.8333% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.3653% | 5,783 |
| Noncurrent loans to loans | 0.7863% | 4,835 |
| Net loans and leases to total assets | 38.8538% | 6,360 |
| Net loans and leases to deposits | 42.5551% | 6,571 |
| Net loans and leases to core deposits | 42.5551% | 6,651 |
| Total domestic deposits to total assets | 91.3022% | 331 |
| Equity capital to assets | 7.9153% | 6,630 |
| Core capital (leverage) ratio | 7.5668% | 6,582 |
| Tier 1 risk-based capital ratio | 15.1118% | 3,762 |
| Total risk-based capital ratio | 16.3643% | 3,717 |
| Memoranda: | ||
| Average total assets | $38,108,750 | 6,634 |
| Average earning assets | $36,295,250 | 6,571 |
| Average equity | $2,926,000 | 6,890 |
| Average total loans | $15,171,500 | 6,736 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0334% | 5,542 |
| Cost of funding earning assets | 0.4876% | 5,701 |
| Net interest margin | 3.5458% | 4,483 |
| Noninterest income to average assets | 0.4691% | 4,140 |
| Noninterest expense to average assets | 2.1873% | 6,042 |
| Loan and lease loss provision to assets | 0.5060% | 1,245 |
| Net operating income to assets | 0.8131% | 3,343 |
| Return on assets (ROA) | 0.9540% | 2,894 |
| Pretax return on assets | 1.3387% | 2,431 |
| Return on Equity (ROE) | 12.5564% | 1,486 |
| Retained earnings to average equity (ytd only) | 9.0878% | 1,245 |
| Net charge-offs to loans | 0.3302% | 2,708 |
| Credit loss provision to net charge-offs | 384.0000% | 777 |
| Earnings coverage of net charge-offs (x) | 12.5600% | 1,868 |
| Efficiency ratio | 56.9273% | 6,012 |
| Assets per employee ($millions) | 5.0366% | 2,129 |
| Cash dividends to net income (ytd only)* | 27.6243% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 5,019 |
| Loan loss allowance to noncurrent loans | 158.9744% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.3425% | 5,907 |
| Noncurrent loans to loans | 0.8008% | 4,908 |
| Net loans and leases to total assets | 35.7978% | 6,618 |
| Net loans and leases to deposits | 39.5081% | 6,750 |
| Net loans and leases to core deposits | 39.5081% | 6,813 |
| Total domestic deposits to total assets | 90.6088% | 610 |
| Equity capital to assets | 7.3561% | 6,834 |
| Core capital (leverage) ratio | 7.4026% | 6,665 |
| Tier 1 risk-based capital ratio | 14.0783% | 4,381 |
| Total risk-based capital ratio | 14.9938% | 4,604 |
| Memoranda: | ||
| Average total assets | $37,946,330 | 6,683 |
| Average earning assets | $36,098,670 | 6,620 |
| Average equity | $2,883,000 | 6,937 |
| Average total loans | $15,141,670 | 6,792 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2967% | 4,752 |
| Cost of funding earning assets | 0.5102% | 5,749 |
| Net interest margin | 3.7866% | 3,454 |
| Noninterest income to average assets | 0.5004% | 3,908 |
| Noninterest expense to average assets | 2.3387% | 5,667 |
| Loan and lease loss provision to assets | 0.3916% | 1,614 |
| Net operating income to assets | 1.0060% | 2,461 |
| Return on assets (ROA) | 1.1639% | 2,024 |
| Pretax return on assets | 1.6099% | 1,541 |
| Return on Equity (ROE) | 15.0572% | 960 |
| Retained earnings to average equity (ytd only) | 15.0572% | 445 |
| Net charge-offs to loans | 0.1038% | 3,507 |
| Credit loss provision to net charge-offs | 900.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 41.2500% | 730 |
| Efficiency ratio | 56.5789% | 6,062 |
| Assets per employee ($millions) | 4.8298% | 2,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9244% | 6,484 |
| Loan loss allowance to noncurrent loans | 735.0000% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0518% | 6,765 |
| Noncurrent loans to loans | 0.1258% | 6,434 |
| Net loans and leases to total assets | 40.7759% | 6,286 |
| Net loans and leases to deposits | 44.3453% | 6,538 |
| Net loans and leases to core deposits | 44.3453% | 6,642 |
| Total domestic deposits to total assets | 91.9509% | 267 |
| Equity capital to assets | 7.4771% | 6,790 |
| Core capital (leverage) ratio | 7.7185% | 6,469 |
| Tier 1 risk-based capital ratio | 14.2013% | 4,319 |
| Total risk-based capital ratio | 14.9374% | 4,672 |
| Memoranda: | ||
| Average total assets | $36,773,000 | 6,771 |
| Average earning assets | $35,282,500 | 6,696 |
| Average equity | $2,842,500 | 6,991 |
| Average total loans | $15,407,500 | 6,827 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5161% | 5,008 |
| Cost of funding earning assets | 0.6437% | 5,860 |
| Net interest margin | 3.8723% | 3,460 |
| Noninterest income to average assets | 0.6515% | 2,876 |
| Noninterest expense to average assets | 2.5248% | 5,381 |
| Loan and lease loss provision to assets | 0.3366% | 3,004 |
| Net operating income to assets | 1.0219% | 2,120 |
| Return on assets (ROA) | 1.0879% | 2,000 |
| Pretax return on assets | 1.4993% | 1,471 |
| Return on Equity (ROE) | 12.6891% | 1,233 |
| Retained earnings to average equity (ytd only) | 5.4174% | 2,358 |
| Net charge-offs to loans | 1.0847% | 1,590 |
| Credit loss provision to net charge-offs | 70.5882% | 4,825 |
| Earnings coverage of net charge-offs (x) | 3.6601% | 3,433 |
| Efficiency ratio | 59.1241% | 5,881 |
| Assets per employee ($millions) | 4.3635% | 3,137 |
| Cash dividends to net income (ytd only)* | 57.3066% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7711% | 6,802 |
| Loan loss allowance to noncurrent loans | 153.3333% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 6,426 |
| Noncurrent loans to loans | 0.5029% | 5,703 |
| Net loans and leases to total assets | 42.3914% | 6,347 |
| Net loans and leases to deposits | 46.6431% | 6,590 |
| Net loans and leases to core deposits | 46.6431% | 6,709 |
| Total domestic deposits to total assets | 90.8846% | 547 |
| Equity capital to assets | 8.0096% | 6,567 |
| Core capital (leverage) ratio | 7.9260% | 6,328 |
| Tier 1 risk-based capital ratio | 14.5500% | 3,936 |
| Total risk-based capital ratio | 15.1631% | 4,347 |
| Memoranda: | ||
| Average total assets | $32,081,200 | 6,918 |
| Average earning assets | $29,981,800 | 6,872 |
| Average equity | $2,750,400 | 7,066 |
| Average total loans | $14,105,800 | 6,947 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6922% | 4,495 |
| Cost of funding earning assets | 0.6723% | 5,917 |
| Net interest margin | 4.0199% | 2,833 |
| Noninterest income to average assets | 0.6247% | 3,025 |
| Noninterest expense to average assets | 2.5285% | 5,359 |
| Loan and lease loss provision to assets | 0.3740% | 2,610 |
| Net operating income to assets | 1.0417% | 2,173 |
| Return on assets (ROA) | 1.1432% | 1,954 |
| Pretax return on assets | 1.5936% | 1,405 |
| Return on Equity (ROE) | 13.0946% | 1,254 |
| Retained earnings to average equity (ytd only) | 10.6605% | 692 |
| Net charge-offs to loans | 1.3137% | 1,173 |
| Credit loss provision to net charge-offs | 64.2336% | 4,664 |
| Earnings coverage of net charge-offs (x) | 3.1460% | 3,561 |
| Efficiency ratio | 57.9922% | 6,011 |
| Assets per employee ($millions) | 4.1356% | 3,576 |
| Cash dividends to net income (ytd only)* | 18.5886% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 6,815 |
| Loan loss allowance to noncurrent loans | 112.1212% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.2992% | 6,317 |
| Noncurrent loans to loans | 0.7184% | 5,443 |
| Net loans and leases to total assets | 41.3178% | 6,533 |
| Net loans and leases to deposits | 45.7007% | 6,748 |
| Net loans and leases to core deposits | 45.7007% | 6,857 |
| Total domestic deposits to total assets | 90.4096% | 672 |
| Equity capital to assets | 8.6837% | 6,102 |
| Core capital (leverage) ratio | 8.5748% | 5,591 |
| Tier 1 risk-based capital ratio | 16.2157% | 3,006 |
| Total risk-based capital ratio | 16.8588% | 3,292 |
| Memoranda: | ||
| Average total assets | $31,374,500 | 7,001 |
| Average earning assets | $29,154,000 | 6,960 |
| Average equity | $2,739,000 | 7,137 |
| Average total loans | $13,904,000 | 7,025 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7456% | 4,324 |
| Cost of funding earning assets | 0.7122% | 5,889 |
| Net interest margin | 4.0334% | 2,685 |
| Noninterest income to average assets | 0.5129% | 3,761 |
| Noninterest expense to average assets | 2.5516% | 5,348 |
| Loan and lease loss provision to assets | 0.3116% | 2,924 |
| Net operating income to assets | 0.9747% | 2,334 |
| Return on assets (ROA) | 1.1167% | 1,907 |
| Pretax return on assets | 1.5582% | 1,359 |
| Return on Equity (ROE) | 12.7676% | 1,252 |
| Retained earnings to average equity (ytd only) | 9.0561% | 1,086 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3687% | 5,818 |
| Assets per employee ($millions) | 4.1061% | 3,539 |
| Cash dividends to net income (ytd only)* | 29.0698% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 4,320 |
| Loan loss allowance to noncurrent loans | 103.4826% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.6119% | 5,695 |
| Noncurrent loans to loans | 1.4055% | 4,306 |
| Net loans and leases to total assets | 42.9024% | 6,531 |
| Net loans and leases to deposits | 48.3465% | 6,708 |
| Net loans and leases to core deposits | 48.3465% | 6,840 |
| Total domestic deposits to total assets | 88.7394% | 1,698 |
| Equity capital to assets | 8.4143% | 6,288 |
| Core capital (leverage) ratio | 8.6875% | 5,241 |
| Tier 1 risk-based capital ratio | 15.5234% | 3,225 |
| Total risk-based capital ratio | 16.7184% | 3,207 |
| Memoranda: | ||
| Average total assets | $30,804,330 | 7,083 |
| Average earning assets | $28,363,330 | 7,049 |
| Average equity | $2,694,330 | 7,204 |
| Average total loans | $13,945,000 | 7,091 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8251% | 3,932 |
| Cost of funding earning assets | 0.7844% | 5,648 |
| Net interest margin | 4.0406% | 2,514 |
| Noninterest income to average assets | 0.5372% | 3,600 |
| Noninterest expense to average assets | 2.8339% | 4,317 |
| Loan and lease loss provision to assets | 0.1343% | 4,328 |
| Net operating income to assets | 0.8999% | 2,562 |
| Return on assets (ROA) | 0.7790% | 3,199 |
| Pretax return on assets | 1.1148% | 2,703 |
| Return on Equity (ROE) | 8.7234% | 2,599 |
| Retained earnings to average equity (ytd only) | 8.7234% | 1,484 |
| Net charge-offs to loans | -0.0291% | 6,703 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4121% | 4,769 |
| Assets per employee ($millions) | 3.7105% | 4,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 5,403 |
| Loan loss allowance to noncurrent loans | 68.4000% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 0.9264% | 5,044 |
| Noncurrent loans to loans | 1.8260% | 3,796 |
| Net loans and leases to total assets | 45.5464% | 6,327 |
| Net loans and leases to deposits | 50.5364% | 6,583 |
| Net loans and leases to core deposits | 50.5364% | 6,752 |
| Total domestic deposits to total assets | 90.1260% | 1,081 |
| Equity capital to assets | 9.1160% | 5,017 |
| Core capital (leverage) ratio | 8.5973% | 5,268 |
| Tier 1 risk-based capital ratio | 16.1346% | 2,842 |
| Total risk-based capital ratio | 17.1804% | 2,907 |
| Memoranda: | ||
| Average total assets | $29,782,000 | 7,155 |
| Average earning assets | $27,025,500 | 7,133 |
| Average equity | $2,659,500 | 7,251 |
| Average total loans | $13,767,000 | 7,153 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4180% | 2,590 |
| Cost of funding earning assets | 0.9998% | 5,694 |
| Net interest margin | 4.4183% | 1,419 |
| Noninterest income to average assets | 0.6934% | 2,879 |
| Noninterest expense to average assets | 3.2202% | 3,010 |
| Loan and lease loss provision to assets | 0.1561% | 5,647 |
| Net operating income to assets | 0.9875% | 2,079 |
| Return on assets (ROA) | 0.9875% | 2,188 |
| Pretax return on assets | 1.2961% | 1,935 |
| Return on Equity (ROE) | 10.4247% | 1,785 |
| Retained earnings to average equity (ytd only) | 2.7595% | 3,924 |
| Net charge-offs to loans | 0.4833% | 3,688 |
| Credit loss provision to net charge-offs | 70.4918% | 5,854 |
| Earnings coverage of net charge-offs (x) | 6.5574% | 2,329 |
| Efficiency ratio | 68.9200% | 4,385 |
| Assets per employee ($millions) | 3.7350% | 4,393 |
| Cash dividends to net income (ytd only)* | 73.5294% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 5,711 |
| Loan loss allowance to noncurrent loans | 43.7158% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 1.3387% | 4,340 |
| Noncurrent loans to loans | 2.6439% | 2,877 |
| Net loans and leases to total assets | 45.7932% | 6,572 |
| Net loans and leases to deposits | 50.7680% | 6,814 |
| Net loans and leases to core deposits | 50.7680% | 6,952 |
| Total domestic deposits to total assets | 90.2008% | 990 |
| Equity capital to assets | 8.7450% | 5,518 |
| Core capital (leverage) ratio | 9.1812% | 4,206 |
| Tier 1 risk-based capital ratio | 17.8931% | 2,031 |
| Total risk-based capital ratio | 19.0027% | 2,042 |
| Memoranda: | ||
| Average total assets | $27,544,800 | 7,274 |
| Average earning assets | $24,806,000 | 7,264 |
| Average equity | $2,609,200 | 7,371 |
| Average total loans | $12,620,400 | 7,273 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4474% | 2,657 |
| Cost of funding earning assets | 1.0373% | 5,760 |
| Net interest margin | 4.4100% | 1,495 |
| Noninterest income to average assets | 0.6923% | 2,862 |
| Noninterest expense to average assets | 3.3183% | 2,520 |
| Loan and lease loss provision to assets | 0.1039% | 5,997 |
| Net operating income to assets | 0.9693% | 2,338 |
| Return on assets (ROA) | 0.9693% | 2,458 |
| Pretax return on assets | 1.2858% | 2,210 |
| Return on Equity (ROE) | 10.0194% | 2,112 |
| Retained earnings to average equity (ytd only) | 7.4632% | 1,612 |
| Net charge-offs to loans | 0.6604% | 2,781 |
| Credit loss provision to net charge-offs | 34.4262% | 6,099 |
| Earnings coverage of net charge-offs (x) | 4.6067% | 2,979 |
| Efficiency ratio | 70.4832% | 3,974 |
| Assets per employee ($millions) | 3.0802% | 5,967 |
| Cash dividends to net income (ytd only)* | 25.5118% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 6,027 |
| Loan loss allowance to noncurrent loans | 189.0411% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 6,449 |
| Noncurrent loans to loans | 0.5705% | 6,065 |
| Net loans and leases to total assets | 45.6605% | 6,728 |
| Net loans and leases to deposits | 51.1662% | 6,936 |
| Net loans and leases to core deposits | 51.1662% | 7,075 |
| Total domestic deposits to total assets | 89.2396% | 1,257 |
| Equity capital to assets | 9.7828% | 4,436 |
| Core capital (leverage) ratio | 9.4472% | 3,991 |
| Tier 1 risk-based capital ratio | 19.5838% | 1,629 |
| Total risk-based capital ratio | 20.6021% | 1,642 |
| Memoranda: | ||
| Average total assets | $26,961,000 | 7,385 |
| Average earning assets | $24,549,500 | 7,358 |
| Average equity | $2,608,250 | 7,469 |
| Average total loans | $12,314,750 | 7,382 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4307% | 2,835 |
| Cost of funding earning assets | 1.0679% | 5,830 |
| Net interest margin | 4.3628% | 1,556 |
| Noninterest income to average assets | 0.6665% | 2,918 |
| Noninterest expense to average assets | 3.3249% | 2,486 |
| Loan and lease loss provision to assets | 0.0449% | 6,521 |
| Net operating income to assets | 0.9436% | 2,390 |
| Return on assets (ROA) | 0.9436% | 2,480 |
| Pretax return on assets | 1.2431% | 2,279 |
| Return on Equity (ROE) | 9.7915% | 2,175 |
| Retained earnings to average equity (ytd only) | 5.9060% | 2,387 |
| Net charge-offs to loans | 0.3456% | 3,617 |
| Credit loss provision to net charge-offs | 28.5714% | 5,756 |
| Earnings coverage of net charge-offs (x) | 8.1905% | 2,174 |
| Efficiency ratio | 72.0779% | 3,799 |
| Assets per employee ($millions) | 3.1984% | 5,687 |
| Cash dividends to net income (ytd only)* | 39.6825% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 4,929 |
| Loan loss allowance to noncurrent loans | 232.8571% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 6,531 |
| Noncurrent loans to loans | 0.5574% | 6,136 |
| Net loans and leases to total assets | 43.0626% | 6,980 |
| Net loans and leases to deposits | 47.8702% | 7,166 |
| Net loans and leases to core deposits | 47.8702% | 7,287 |
| Total domestic deposits to total assets | 89.9569% | 937 |
| Equity capital to assets | 9.0947% | 5,302 |
| Core capital (leverage) ratio | 9.5280% | 3,778 |
| Tier 1 risk-based capital ratio | 16.8977% | 2,323 |
| Total risk-based capital ratio | 17.9636% | 2,343 |
| Memoranda: | ||
| Average total assets | $26,707,330 | 7,449 |
| Average earning assets | $24,159,000 | 7,433 |
| Average equity | $2,573,670 | 7,526 |
| Average total loans | $12,154,330 | 7,450 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6171% | 2,084 |
| Cost of funding earning assets | 1.1093% | 5,855 |
| Net interest margin | 4.5077% | 1,124 |
| Noninterest income to average assets | 0.7168% | 2,491 |
| Noninterest expense to average assets | 3.6777% | 1,553 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8103% | 2,916 |
| Return on assets (ROA) | 0.7948% | 3,100 |
| Pretax return on assets | 1.0129% | 3,043 |
| Return on Equity (ROE) | 7.9953% | 2,886 |
| Retained earnings to average equity (ytd only) | 7.9953% | 1,709 |
| Net charge-offs to loans | 0.3681% | 2,937 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,302 |
| Efficiency ratio | 78.1457% | 2,869 |
| Assets per employee ($millions) | 3.2506% | 5,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3517% | 4,669 |
| Loan loss allowance to noncurrent loans | 371.1111% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 6,801 |
| Noncurrent loans to loans | 0.3642% | 6,569 |
| Net loans and leases to total assets | 46.8679% | 6,761 |
| Net loans and leases to deposits | 52.4283% | 7,014 |
| Net loans and leases to core deposits | 52.4283% | 7,176 |
| Total domestic deposits to total assets | 89.3943% | 1,302 |
| Equity capital to assets | 9.9212% | 3,956 |
| Core capital (leverage) ratio | 10.0455% | 3,111 |
| Tier 1 risk-based capital ratio | 17.4840% | 2,082 |
| Total risk-based capital ratio | 18.6245% | 2,087 |
| Memoranda: | ||
| Average total assets | $25,668,000 | 7,575 |
| Average earning assets | $22,716,500 | 7,573 |
| Average equity | $2,551,500 | 7,615 |
| Average total loans | $11,952,000 | 7,553 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9289% | 2,133 |
| Cost of funding earning assets | 1.2232% | 6,579 |
| Net interest margin | 4.7056% | 822 |
| Noninterest income to average assets | 0.8021% | 2,397 |
| Noninterest expense to average assets | 3.3225% | 2,938 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2032% | 1,238 |
| Return on assets (ROA) | 1.2032% | 1,287 |
| Pretax return on assets | 1.7301% | 731 |
| Return on Equity (ROE) | 12.0844% | 1,141 |
| Retained earnings to average equity (ytd only) | 2.2115% | 3,564 |
| Net charge-offs to loans | 0.0446% | 6,659 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 312 |
| Efficiency ratio | 65.7588% | 5,441 |
| Assets per employee ($millions) | 3.1664% | 5,799 |
| Cash dividends to net income (ytd only)* | 81.6993% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5413% | 3,522 |
| Loan loss allowance to noncurrent loans | 508.5714% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 6,877 |
| Noncurrent loans to loans | 0.3031% | 6,671 |
| Net loans and leases to total assets | 44.8897% | 7,063 |
| Net loans and leases to deposits | 50.6255% | 7,221 |
| Net loans and leases to core deposits | 50.6255% | 7,573 |
| Total domestic deposits to total assets | 88.6700% | 1,644 |
| Equity capital to assets | 9.9601% | 3,810 |
| Core capital (leverage) ratio | 9.9881% | 3,105 |
| Tier 1 risk-based capital ratio | 17.6806% | 1,977 |
| Total risk-based capital ratio | 18.9284% | 1,933 |
| Memoranda: | ||
| Average total assets | $25,432,600 | 7,630 |
| Average earning assets | $22,972,400 | 7,615 |
| Average equity | $2,532,200 | 7,722 |
| Average total loans | $11,222,400 | 7,647 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8807% | 2,530 |
| Cost of funding earning assets | 1.2420% | 6,750 |
| Net interest margin | 4.6387% | 923 |
| Noninterest income to average assets | 0.7542% | 2,686 |
| Noninterest expense to average assets | 3.3518% | 2,723 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1365% | 1,615 |
| Return on assets (ROA) | 1.1365% | 1,689 |
| Pretax return on assets | 1.6079% | 1,157 |
| Return on Equity (ROE) | 11.4157% | 1,508 |
| Retained earnings to average equity (ytd only) | 8.7852% | 897 |
| Net charge-offs to loans | 0.0240% | 6,549 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 153.3034% | 247 |
| Efficiency ratio | 67.5818% | 5,062 |
| Assets per employee ($millions) | 3.1574% | 5,763 |
| Cash dividends to net income (ytd only)* | 23.0429% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6564% | 2,778 |
| Loan loss allowance to noncurrent loans | 119.8675% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.6968% | 5,737 |
| Noncurrent loans to loans | 1.3819% | 4,604 |
| Net loans and leases to total assets | 42.5433% | 7,331 |
| Net loans and leases to deposits | 48.0805% | 7,491 |
| Net loans and leases to core deposits | 48.0805% | 7,727 |
| Total domestic deposits to total assets | 88.4833% | 1,443 |
| Equity capital to assets | 10.4042% | 3,611 |
| Core capital (leverage) ratio | 10.3715% | 2,906 |
| Tier 1 risk-based capital ratio | 19.1573% | 1,707 |
| Total risk-based capital ratio | 20.4082% | 1,675 |
| Memoranda: | ||
| Average total assets | $25,458,000 | 7,701 |
| Average earning assets | $23,080,750 | 7,690 |
| Average equity | $2,534,500 | 7,799 |
| Average total loans | $11,140,750 | 7,729 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9531% | 2,371 |
| Cost of funding earning assets | 1.2492% | 6,965 |
| Net interest margin | 4.7039% | 797 |
| Noninterest income to average assets | 0.7444% | 2,731 |
| Noninterest expense to average assets | 3.4790% | 2,403 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0656% | 1,890 |
| Return on assets (ROA) | 1.0656% | 1,964 |
| Pretax return on assets | 1.5436% | 1,341 |
| Return on Equity (ROE) | 10.8655% | 1,736 |
| Retained earnings to average equity (ytd only) | 6.8708% | 1,632 |
| Net charge-offs to loans | -0.0357% | 7,801 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2668% | 4,933 |
| Assets per employee ($millions) | 3.1001% | 5,868 |
| Cash dividends to net income (ytd only)* | 36.7647% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6798% | 2,414 |
| Loan loss allowance to noncurrent loans | 96.3542% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.7742% | 5,464 |
| Noncurrent loans to loans | 1.7434% | 3,892 |
| Net loans and leases to total assets | 43.6595% | 7,353 |
| Net loans and leases to deposits | 49.2944% | 7,513 |
| Net loans and leases to core deposits | 49.2944% | 7,771 |
| Total domestic deposits to total assets | 88.5690% | 1,496 |
| Equity capital to assets | 10.2496% | 3,671 |
| Core capital (leverage) ratio | 9.9568% | 3,339 |
| Tier 1 risk-based capital ratio | 18.7861% | 1,821 |
| Total risk-based capital ratio | 20.0370% | 1,774 |
| Memoranda: | ||
| Average total assets | $25,524,330 | 7,773 |
| Average earning assets | $23,214,670 | 7,760 |
| Average equity | $2,503,330 | 7,878 |
| Average total loans | $11,212,000 | 7,802 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8969% | 2,812 |
| Cost of funding earning assets | 1.2201% | 7,249 |
| Net interest margin | 4.6769% | 807 |
| Noninterest income to average assets | 0.7572% | 2,557 |
| Noninterest expense to average assets | 3.5849% | 1,897 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9890% | 2,357 |
| Return on assets (ROA) | 0.9890% | 2,492 |
| Pretax return on assets | 1.4371% | 1,858 |
| Return on Equity (ROE) | 10.3060% | 2,196 |
| Retained earnings to average equity (ytd only) | 10.3060% | 1,119 |
| Net charge-offs to loans | -0.3536% | 8,085 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3846% | 4,294 |
| Assets per employee ($millions) | 3.2210% | 5,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6697% | 2,244 |
| Loan loss allowance to noncurrent loans | 101.0471% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.7412% | 5,308 |
| Noncurrent loans to loans | 1.6524% | 3,797 |
| Net loans and leases to total assets | 44.1090% | 7,329 |
| Net loans and leases to deposits | 49.2867% | 7,527 |
| Net loans and leases to core deposits | 49.2867% | 7,809 |
| Total domestic deposits to total assets | 89.4947% | 1,012 |
| Equity capital to assets | 9.7640% | 4,291 |
| Core capital (leverage) ratio | 9.7433% | 3,694 |
| Tier 1 risk-based capital ratio | 17.7621% | 2,109 |
| Total risk-based capital ratio | 19.0116% | 2,059 |
| Memoranda: | ||
| Average total assets | $25,886,000 | 7,804 |
| Average earning assets | $23,605,500 | 7,785 |
| Average equity | $2,484,000 | 7,932 |
| Average total loans | $11,311,500 | 7,839 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5840% | 2,559 |
| Cost of funding earning assets | 1.7162% | 7,222 |
| Net interest margin | 4.8678% | 677 |
| Noninterest income to average assets | 0.8016% | 2,505 |
| Noninterest expense to average assets | 3.4319% | 2,572 |
| Loan and lease loss provision to assets | 0.0209% | 7,130 |
| Net operating income to assets | 1.2567% | 1,616 |
| Return on assets (ROA) | 1.2567% | 1,557 |
| Pretax return on assets | 1.8370% | 871 |
| Return on Equity (ROE) | 12.2677% | 1,531 |
| Retained earnings to average equity (ytd only) | 3.0975% | 3,231 |
| Net charge-offs to loans | 0.0462% | 6,123 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 471 |
| Efficiency ratio | 64.8777% | 5,355 |
| Assets per employee ($millions) | 2.8893% | 6,338 |
| Cash dividends to net income (ytd only)* | 74.7508% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6540% | 2,046 |
| Loan loss allowance to noncurrent loans | 96.8254% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 0.7268% | 5,050 |
| Noncurrent loans to loans | 1.7082% | 3,208 |
| Net loans and leases to total assets | 41.8436% | 7,598 |
| Net loans and leases to deposits | 46.8423% | 7,758 |
| Net loans and leases to core deposits | 46.8423% | 7,947 |
| Total domestic deposits to total assets | 89.3286% | 906 |
| Equity capital to assets | 9.4293% | 4,787 |
| Core capital (leverage) ratio | 9.0882% | 4,609 |
| Tier 1 risk-based capital ratio | 17.5620% | 2,162 |
| Total risk-based capital ratio | 18.8154% | 2,098 |
| Memoranda: | ||
| Average total assets | $23,951,800 | 7,873 |
| Average earning assets | $22,083,800 | 7,859 |
| Average equity | $2,453,600 | 8,004 |
| Average total loans | $10,833,200 | 7,901 |