Home > First Security Bank and Trust Company > Performance and Condition Ratios
First Security Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9590% | 124 |
| Cost of funding earning assets | 1.8152% | 1,225 |
| Net interest margin | 6.1438% | 101 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 3.9348% | 387 |
| Loan and lease loss provision to assets | 0.7000% | 114 |
| Net operating income to assets | 1.6877% | 750 |
| Return on assets (ROA) | 1.6877% | 720 |
| Pretax return on assets | 1.6877% | 1,082 |
| Return on Equity (ROE) | 7.2000% | 3,228 |
| Retained earnings to average equity (ytd only) | 2.1679% | 3,545 |
| Net charge-offs to loans | 0.2907% | 371 |
| Credit loss provision to net charge-offs | 286.6379% | 988 |
| Earnings coverage of net charge-offs (x) | 9.8233% | 2,269 |
| Efficiency ratio | 62.2807% | 2,803 |
| Assets per employee ($millions) | 4.5903% | 3,895 |
| Cash dividends to net income (ytd only)* | 69.8885% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 2,959 |
| Loan loss allowance to noncurrent loans | 264.9038% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 1,571 |
| Noncurrent loans to loans | 0.4057% | 1,769 |
| Net loans and leases to total assets | 84.9900% | 212 |
| Net loans and leases to deposits | 142.4585% | 22 |
| Net loans and leases to core deposits | 153.9088% | 184 |
| Total domestic deposits to total assets | 59.6600% | 4,441 |
| Equity capital to assets | 18.9989% | 314 |
| Core capital (leverage) ratio | 20.5232% | 252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1890% | 469 |
| Memoranda: | ||
| Average total assets | $95,633,600 | 3,865 |
| Average earning assets | $90,237,200 | 3,834 |
| Average equity | $22,418,200 | 2,658 |
| Average total loans | $79,814,400 | 3,409 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6421% | 269 |
| Cost of funding earning assets | 1.3952% | 1,882 |
| Net interest margin | 5.2469% | 242 |
| Noninterest income to average assets | 1.4600% | 401 |
| Noninterest expense to average assets | 4.0086% | 357 |
| Loan and lease loss provision to assets | 0.6400% | 115 |
| Net operating income to assets | 1.7553% | 718 |
| Return on assets (ROA) | 1.7553% | 706 |
| Pretax return on assets | 1.7553% | 1,073 |
| Return on Equity (ROE) | 7.0400% | 3,419 |
| Retained earnings to average equity (ytd only) | 2.4514% | 3,638 |
| Net charge-offs to loans | 0.0719% | 970 |
| Credit loss provision to net charge-offs | 1,082.5000% | 387 |
| Earnings coverage of net charge-offs (x) | 40.3500% | 1,437 |
| Efficiency ratio | 62.5609% | 2,655 |
| Assets per employee ($millions) | 4.4304% | 3,982 |
| Cash dividends to net income (ytd only)* | 65.1990% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 2,610 |
| Loan loss allowance to noncurrent loans | 73.1909% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.4239% | 272 |
| Noncurrent loans to loans | 1.5735% | 449 |
| Net loans and leases to total assets | 89.4500% | 46 |
| Net loans and leases to deposits | 153.4589% | 14 |
| Net loans and leases to core deposits | 165.4655% | 88 |
| Total domestic deposits to total assets | 58.2900% | 4,470 |
| Equity capital to assets | 22.1600% | 236 |
| Core capital (leverage) ratio | 22.1949% | 203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9032% | 297 |
| Memoranda: | ||
| Average total assets | $89,704,750 | 3,932 |
| Average earning assets | $84,670,000 | 3,897 |
| Average equity | $22,354,000 | 2,663 |
| Average total loans | $74,135,250 | 3,496 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9183% | 489 |
| Cost of funding earning assets | 0.8726% | 3,021 |
| Net interest margin | 5.0457% | 297 |
| Noninterest income to average assets | 1.5200% | 321 |
| Noninterest expense to average assets | 4.1009% | 323 |
| Loan and lease loss provision to assets | 0.5600% | 127 |
| Net operating income to assets | 1.6418% | 887 |
| Return on assets (ROA) | 1.6418% | 889 |
| Pretax return on assets | 1.6418% | 1,333 |
| Return on Equity (ROE) | 6.3100% | 3,625 |
| Retained earnings to average equity (ytd only) | 2.4418% | 3,614 |
| Net charge-offs to loans | 0.1028% | 669 |
| Credit loss provision to net charge-offs | 685.7143% | 530 |
| Earnings coverage of net charge-offs (x) | 26.9429% | 1,600 |
| Efficiency ratio | 65.0611% | 2,365 |
| Assets per employee ($millions) | 5.1051% | 3,503 |
| Cash dividends to net income (ytd only)* | 61.3087% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0846% | 3,024 |
| Loan loss allowance to noncurrent loans | 67.0760% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.2762% | 308 |
| Noncurrent loans to loans | 1.6169% | 400 |
| Net loans and leases to total assets | 78.0700% | 824 |
| Net loans and leases to deposits | 133.5461% | 42 |
| Net loans and leases to core deposits | 143.9814% | 186 |
| Total domestic deposits to total assets | 58.4600% | 4,493 |
| Equity capital to assets | 21.9917% | 226 |
| Core capital (leverage) ratio | 25.2457% | 156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1463% | 348 |
| Memoranda: | ||
| Average total assets | $85,639,667 | 3,996 |
| Average earning assets | $81,138,667 | 3,952 |
| Average equity | $22,278,333 | 2,674 |
| Average total loans | $68,109,667 | 3,595 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0155% | 308 |
| Cost of funding earning assets | 0.7106% | 3,023 |
| Net interest margin | 5.3049% | 198 |
| Noninterest income to average assets | 1.3000% | 394 |
| Noninterest expense to average assets | 4.4698% | 277 |
| Loan and lease loss provision to assets | 0.5800% | 122 |
| Net operating income to assets | 1.2970% | 1,682 |
| Return on assets (ROA) | 1.2970% | 1,653 |
| Pretax return on assets | 1.2970% | 2,185 |
| Return on Equity (ROE) | 4.5200% | 3,955 |
| Retained earnings to average equity (ytd only) | 0.1442% | 3,999 |
| Net charge-offs to loans | 0.2327% | 321 |
| Credit loss provision to net charge-offs | 313.8889% | 675 |
| Earnings coverage of net charge-offs (x) | 10.1111% | 1,668 |
| Efficiency ratio | 70.3824% | 1,712 |
| Assets per employee ($millions) | 3.4424% | 4,422 |
| Cash dividends to net income (ytd only)* | 96.8127% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1654% | 2,739 |
| Loan loss allowance to noncurrent loans | 57.2525% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.7205% | 167 |
| Noncurrent loans to loans | 2.0356% | 270 |
| Net loans and leases to total assets | 83.5400% | 268 |
| Net loans and leases to deposits | 118.3408% | 96 |
| Net loans and leases to core deposits | 130.9916% | 264 |
| Total domestic deposits to total assets | 70.5900% | 4,400 |
| Equity capital to assets | 29.3043% | 123 |
| Core capital (leverage) ratio | 29.2031% | 130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.3109% | 177 |
| Memoranda: | ||
| Average total assets | $77,408,500 | 4,134 |
| Average earning assets | $73,742,500 | 4,085 |
| Average equity | $22,190,500 | 2,702 |
| Average total loans | $61,872,000 | 3,731 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7808% | 112 |
| Cost of funding earning assets | 0.2781% | 3,060 |
| Net interest margin | 5.5027% | 84 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 4.4321% | 263 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.3270% | 1,346 |
| Return on assets (ROA) | 1.3270% | 1,305 |
| Pretax return on assets | 1.3270% | 2,001 |
| Return on Equity (ROE) | 5.8500% | 3,854 |
| Retained earnings to average equity (ytd only) | 3.0111% | 3,716 |
| Net charge-offs to loans | -0.0019% | 3,437 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.7662% | 939 |
| Assets per employee ($millions) | 3.5947% | 4,418 |
| Cash dividends to net income (ytd only)* | 48.4848% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1200% | 2,789 |
| Loan loss allowance to noncurrent loans | 52.0218% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.6261% | 180 |
| Noncurrent loans to loans | 2.1529% | 242 |
| Net loans and leases to total assets | 74.6900% | 1,156 |
| Net loans and leases to deposits | 103.8707% | 308 |
| Net loans and leases to core deposits | 114.1355% | 487 |
| Total domestic deposits to total assets | 71.9000% | 4,428 |
| Equity capital to assets | 28.0562% | 127 |
| Core capital (leverage) ratio | 29.0338% | 131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.6246% | 197 |
| Memoranda: | ||
| Average total assets | $69,629,000 | 4,233 |
| Average earning assets | $66,167,800 | 4,196 |
| Average equity | $15,808,200 | 3,294 |
| Average total loans | $51,484,800 | 3,870 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6434% | 102 |
| Cost of funding earning assets | 0.2424% | 2,787 |
| Net interest margin | 5.4011% | 85 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 4.4856% | 255 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1893% | 1,741 |
| Return on assets (ROA) | 1.1893% | 1,718 |
| Pretax return on assets | 1.1893% | 2,410 |
| Return on Equity (ROE) | 5.6300% | 3,864 |
| Retained earnings to average equity (ytd only) | 3.0675% | 3,760 |
| Net charge-offs to loans | 0.0027% | 2,157 |
| Credit loss provision to net charge-offs | 100.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 601.0000% | 263 |
| Efficiency ratio | 79.0154% | 839 |
| Assets per employee ($millions) | 3.3661% | 4,507 |
| Cash dividends to net income (ytd only)* | 45.5000% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 2,275 |
| Loan loss allowance to noncurrent loans | 51.1664% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.7366% | 176 |
| Noncurrent loans to loans | 2.4371% | 218 |
| Net loans and leases to total assets | 70.3700% | 1,449 |
| Net loans and leases to deposits | 100.3466% | 353 |
| Net loans and leases to core deposits | 126.4315% | 178 |
| Total domestic deposits to total assets | 70.1200% | 4,531 |
| Equity capital to assets | 29.7540% | 114 |
| Core capital (leverage) ratio | 31.2531% | 115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.8078% | 165 |
| Memoranda: | ||
| Average total assets | $67,265,250 | 4,287 |
| Average earning assets | $63,813,000 | 4,247 |
| Average equity | $14,213,250 | 3,487 |
| Average total loans | $49,422,750 | 3,921 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5790% | 97 |
| Cost of funding earning assets | 0.2274% | 2,540 |
| Net interest margin | 5.3515% | 84 |
| Noninterest income to average assets | 0.5631% | 1,891 |
| Noninterest expense to average assets | 4.4983% | 213 |
| Loan and lease loss provision to assets | 0.0031% | 2,550 |
| Net operating income to assets | 1.1292% | 1,668 |
| Return on assets (ROA) | 1.1292% | 1,644 |
| Pretax return on assets | 1.1292% | 2,310 |
| Return on Equity (ROE) | 6.3241% | 3,496 |
| Retained earnings to average equity (ytd only) | 3.1535% | 3,396 |
| Net charge-offs to loans | -0.0041% | 3,283 |
| Credit loss provision to net charge-offs | -100.0000% | 3,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8907% | 958 |
| Assets per employee ($millions) | 3.2158% | 4,593 |
| Cash dividends to net income (ytd only)* | 50.1362% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 1,926 |
| Loan loss allowance to noncurrent loans | 5,500.0000% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 3,855 |
| Noncurrent loans to loans | 0.0247% | 3,776 |
| Net loans and leases to total assets | 64.7761% | 1,826 |
| Net loans and leases to deposits | 92.1295% | 604 |
| Net loans and leases to core deposits | 103.5264% | 530 |
| Total domestic deposits to total assets | 70.3099% | 4,611 |
| Equity capital to assets | 29.6049% | 66 |
| Core capital (leverage) ratio | 32.6205% | 63 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.6409% | 141 |
| Memoranda: | ||
| Average total assets | $65,002,333 | 4,354 |
| Average earning assets | $61,552,667 | 4,330 |
| Average equity | $11,606,333 | 3,826 |
| Average total loans | $48,307,667 | 3,990 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8177% | 77 |
| Cost of funding earning assets | 0.2372% | 2,296 |
| Net interest margin | 5.5806% | 67 |
| Noninterest income to average assets | 0.5948% | 1,713 |
| Noninterest expense to average assets | 4.6265% | 195 |
| Loan and lease loss provision to assets | 0.0066% | 2,189 |
| Net operating income to assets | 1.2491% | 1,121 |
| Return on assets (ROA) | 1.2491% | 1,107 |
| Pretax return on assets | 1.2491% | 1,658 |
| Return on Equity (ROE) | 11.7010% | 1,402 |
| Retained earnings to average equity (ytd only) | 6.1910% | 2,182 |
| Net charge-offs to loans | 0.0083% | 1,445 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 190.0000% | 445 |
| Efficiency ratio | 78.6517% | 1,261 |
| Assets per employee ($millions) | 2.9896% | 4,654 |
| Cash dividends to net income (ytd only)* | 47.0899% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 2,035 |
| Loan loss allowance to noncurrent loans | 4,700.0000% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 3,812 |
| Noncurrent loans to loans | 0.0291% | 3,787 |
| Net loans and leases to total assets | 79.3163% | 275 |
| Net loans and leases to deposits | 89.0274% | 559 |
| Net loans and leases to core deposits | 100.7842% | 489 |
| Total domestic deposits to total assets | 89.0920% | 2,038 |
| Equity capital to assets | 10.8595% | 1,403 |
| Core capital (leverage) ratio | 10.7366% | 1,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8091% | 1,870 |
| Memoranda: | ||
| Average total assets | $60,521,500 | 4,430 |
| Average earning assets | $57,342,000 | 4,409 |
| Average equity | $6,461,000 | 4,416 |
| Average total loans | $48,176,000 | 4,004 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4373% | 19 |
| Cost of funding earning assets | 0.2675% | 2,727 |
| Net interest margin | 10.1697% | 17 |
| Noninterest income to average assets | 0.5567% | 2,331 |
| Noninterest expense to average assets | 4.6979% | 196 |
| Loan and lease loss provision to assets | 0.1786% | 645 |
| Net operating income to assets | 5.2820% | 41 |
| Return on assets (ROA) | 5.2820% | 42 |
| Pretax return on assets | 5.2820% | 54 |
| Return on Equity (ROE) | 53.6088% | 11 |
| Retained earnings to average equity (ytd only) | 25.2939% | 25 |
| Net charge-offs to loans | -0.1656% | 4,678 |
| Credit loss provision to net charge-offs | -130.5882% | 3,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2464% | 4,486 |
| Assets per employee ($millions) | 3.0626% | 4,680 |
| Cash dividends to net income (ytd only)* | 52.8175% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 2,081 |
| Loan loss allowance to noncurrent loans | 2,632.0000% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 3,718 |
| Noncurrent loans to loans | 0.0518% | 3,707 |
| Net loans and leases to total assets | 77.7313% | 397 |
| Net loans and leases to deposits | 86.8832% | 724 |
| Net loans and leases to core deposits | 97.9409% | 617 |
| Total domestic deposits to total assets | 89.4665% | 1,258 |
| Equity capital to assets | 10.4960% | 2,178 |
| Core capital (leverage) ratio | 10.3412% | 2,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1846% | 2,167 |
| Memoranda: | ||
| Average total assets | $62,154,800 | 4,425 |
| Average earning assets | $58,684,000 | 4,396 |
| Average equity | $6,124,000 | 4,519 |
| Average total loans | $51,339,600 | 3,974 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.8671% | 15 |
| Cost of funding earning assets | 0.2698% | 2,902 |
| Net interest margin | 11.5974% | 14 |
| Noninterest income to average assets | 0.6070% | 2,189 |
| Noninterest expense to average assets | 4.6808% | 199 |
| Loan and lease loss provision to assets | 0.2260% | 430 |
| Net operating income to assets | 6.6344% | 34 |
| Return on assets (ROA) | 6.6344% | 33 |
| Pretax return on assets | 6.6344% | 44 |
| Return on Equity (ROE) | 68.4315% | 7 |
| Retained earnings to average equity (ytd only) | 33.0473% | 20 |
| Net charge-offs to loans | -0.1714% | 4,747 |
| Credit loss provision to net charge-offs | -158.2090% | 3,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5556% | 4,707 |
| Assets per employee ($millions) | 2.5675% | 4,811 |
| Cash dividends to net income (ytd only)* | 51.7075% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 2,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 80.9783% | 244 |
| Net loans and leases to deposits | 90.5130% | 580 |
| Net loans and leases to core deposits | 113.8340% | 256 |
| Total domestic deposits to total assets | 89.4659% | 1,030 |
| Equity capital to assets | 10.3686% | 2,557 |
| Core capital (leverage) ratio | 10.1591% | 2,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0441% | 2,349 |
| Memoranda: | ||
| Average total assets | $62,380,500 | 4,484 |
| Average earning assets | $58,816,500 | 4,453 |
| Average equity | $6,047,750 | 4,590 |
| Average total loans | $52,107,000 | 4,010 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.4549% | 10 |
| Cost of funding earning assets | 0.2708% | 3,080 |
| Net interest margin | 14.1841% | 9 |
| Noninterest income to average assets | 0.6929% | 1,836 |
| Noninterest expense to average assets | 4.6651% | 200 |
| Loan and lease loss provision to assets | 0.3193% | 255 |
| Net operating income to assets | 9.0907% | 22 |
| Return on assets (ROA) | 9.0907% | 22 |
| Pretax return on assets | 9.0907% | 31 |
| Return on Equity (ROE) | 95.9393% | 3 |
| Retained earnings to average equity (ytd only) | 78.6184% | 1 |
| Net charge-offs to loans | -0.2508% | 4,821 |
| Credit loss provision to net charge-offs | -151.5152% | 3,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.1443% | 4,882 |
| Assets per employee ($millions) | 3.1676% | 4,754 |
| Cash dividends to net income (ytd only)* | 18.0541% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1145% | 3,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 87.9499% | 44 |
| Net loans and leases to deposits | 99.4094% | 271 |
| Net loans and leases to core deposits | 112.1583% | 316 |
| Total domestic deposits to total assets | 88.4723% | 1,579 |
| Equity capital to assets | 11.4077% | 1,692 |
| Core capital (leverage) ratio | 12.8535% | 834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3597% | 1,847 |
| Memoranda: | ||
| Average total assets | $62,635,333 | 4,507 |
| Average earning assets | $59,094,333 | 4,484 |
| Average equity | $5,935,000 | 4,627 |
| Average total loans | $52,631,667 | 4,031 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.9814% | 12 |
| Cost of funding earning assets | 0.2720% | 3,251 |
| Net interest margin | 11.7094% | 10 |
| Noninterest income to average assets | 0.5074% | 2,576 |
| Noninterest expense to average assets | 4.6373% | 196 |
| Loan and lease loss provision to assets | 0.3211% | 274 |
| Net operating income to assets | 6.6092% | 42 |
| Return on assets (ROA) | 6.6092% | 42 |
| Pretax return on assets | 6.6092% | 55 |
| Return on Equity (ROE) | 77.8219% | 6 |
| Retained earnings to average equity (ytd only) | 77.8219% | 1 |
| Net charge-offs to loans | 0.0236% | 1,274 |
| Credit loss provision to net charge-offs | 1,666.6667% | 279 |
| Earnings coverage of net charge-offs (x) | 359.6667% | 257 |
| Efficiency ratio | 40.0888% | 4,738 |
| Assets per employee ($millions) | 2.9670% | 4,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 3,994 |
| Loan loss allowance to noncurrent loans | 71.9943% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.0360% | 788 |
| Noncurrent loans to loans | 1.3303% | 974 |
| Net loans and leases to total assets | 77.1299% | 531 |
| Net loans and leases to deposits | 86.5266% | 921 |
| Net loans and leases to core deposits | 96.5993% | 860 |
| Total domestic deposits to total assets | 89.1401% | 1,275 |
| Equity capital to assets | 8.2999% | 4,277 |
| Core capital (leverage) ratio | 9.5645% | 2,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0561% | 3,056 |
| Memoranda: | ||
| Average total assets | $62,277,000 | 4,527 |
| Average earning assets | $58,824,500 | 4,502 |
| Average equity | $5,289,000 | 4,718 |
| Average total loans | $50,774,500 | 4,081 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5463% | 174 |
| Cost of funding earning assets | 0.6312% | 2,112 |
| Net interest margin | 4.9151% | 141 |
| Noninterest income to average assets | 1.1837% | 788 |
| Noninterest expense to average assets | 4.8726% | 205 |
| Loan and lease loss provision to assets | 0.2293% | 1,700 |
| Net operating income to assets | 0.6844% | 3,485 |
| Return on assets (ROA) | 0.6844% | 3,612 |
| Pretax return on assets | 0.6844% | 3,912 |
| Return on Equity (ROE) | 8.1911% | 2,743 |
| Retained earnings to average equity (ytd only) | 3.0285% | 3,335 |
| Net charge-offs to loans | 0.2073% | 838 |
| Credit loss provision to net charge-offs | 128.5714% | 2,560 |
| Earnings coverage of net charge-offs (x) | 5.1238% | 2,895 |
| Efficiency ratio | 84.2090% | 612 |
| Assets per employee ($millions) | 2.3463% | 4,900 |
| Cash dividends to net income (ytd only)* | 63.0273% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 4,016 |
| Loan loss allowance to noncurrent loans | 65.3465% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.2555% | 655 |
| Noncurrent loans to loans | 1.4606% | 921 |
| Net loans and leases to total assets | 85.1382% | 126 |
| Net loans and leases to deposits | 96.5114% | 524 |
| Net loans and leases to core deposits | 110.8124% | 482 |
| Total domestic deposits to total assets | 88.2157% | 1,369 |
| Equity capital to assets | 8.7264% | 4,271 |
| Core capital (leverage) ratio | 8.9086% | 3,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1011% | 2,895 |
| Memoranda: | ||
| Average total assets | $58,880,800 | 4,527 |
| Average earning assets | $55,136,200 | 4,508 |
| Average equity | $4,920,000 | 4,764 |
| Average total loans | $50,658,400 | 4,102 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5003% | 231 |
| Cost of funding earning assets | 0.7262% | 1,869 |
| Net interest margin | 4.7741% | 215 |
| Noninterest income to average assets | 1.4784% | 535 |
| Noninterest expense to average assets | 4.5449% | 246 |
| Loan and lease loss provision to assets | 0.2570% | 1,580 |
| Net operating income to assets | 1.1379% | 1,859 |
| Return on assets (ROA) | 1.1379% | 1,974 |
| Pretax return on assets | 1.1379% | 2,612 |
| Return on Equity (ROE) | 13.7624% | 928 |
| Retained earnings to average equity (ytd only) | 8.8047% | 1,037 |
| Net charge-offs to loans | 0.0911% | 1,395 |
| Credit loss provision to net charge-offs | 328.5714% | 1,671 |
| Earnings coverage of net charge-offs (x) | 17.8000% | 1,990 |
| Efficiency ratio | 76.5083% | 1,162 |
| Assets per employee ($millions) | 2.8715% | 4,866 |
| Cash dividends to net income (ytd only)* | 36.0236% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 3,822 |
| Loan loss allowance to noncurrent loans | 39.9376% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 2.7844% | 173 |
| Noncurrent loans to loans | 2.4202% | 444 |
| Net loans and leases to total assets | 86.9952% | 107 |
| Net loans and leases to deposits | 103.9348% | 388 |
| Net loans and leases to core deposits | 119.0491% | 434 |
| Total domestic deposits to total assets | 83.7018% | 2,926 |
| Equity capital to assets | 8.4377% | 4,496 |
| Core capital (leverage) ratio | 9.0809% | 3,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6237% | 3,003 |
| Memoranda: | ||
| Average total assets | $59,523,000 | 4,537 |
| Average earning assets | $55,632,000 | 4,517 |
| Average equity | $4,921,500 | 4,791 |
| Average total loans | $51,221,750 | 4,108 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5463% | 313 |
| Cost of funding earning assets | 0.8666% | 1,509 |
| Net interest margin | 4.6797% | 353 |
| Noninterest income to average assets | 1.5051% | 465 |
| Noninterest expense to average assets | 4.4580% | 262 |
| Loan and lease loss provision to assets | 0.1856% | 2,165 |
| Net operating income to assets | 1.2352% | 1,531 |
| Return on assets (ROA) | 1.2352% | 1,649 |
| Pretax return on assets | 1.2352% | 2,237 |
| Return on Equity (ROE) | 15.0432% | 702 |
| Retained earnings to average equity (ytd only) | 13.2758% | 332 |
| Net charge-offs to loans | 0.1264% | 1,086 |
| Credit loss provision to net charge-offs | 171.8750% | 2,026 |
| Earnings coverage of net charge-offs (x) | 13.1563% | 2,006 |
| Efficiency ratio | 75.8324% | 1,282 |
| Assets per employee ($millions) | 3.0763% | 4,836 |
| Cash dividends to net income (ytd only)* | 11.7486% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8434% | 4,209 |
| Loan loss allowance to noncurrent loans | 34.7594% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 2.6872% | 196 |
| Noncurrent loans to loans | 2.4265% | 497 |
| Net loans and leases to total assets | 82.8024% | 339 |
| Net loans and leases to deposits | 97.6666% | 678 |
| Net loans and leases to core deposits | 115.3541% | 556 |
| Total domestic deposits to total assets | 84.7807% | 2,479 |
| Equity capital to assets | 7.8604% | 4,782 |
| Core capital (leverage) ratio | 8.2636% | 4,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6201% | 3,189 |
| Memoranda: | ||
| Average total assets | $59,263,667 | 4,555 |
| Average earning assets | $55,388,667 | 4,538 |
| Average equity | $4,866,000 | 4,822 |
| Average total loans | $50,638,667 | 4,127 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8083% | 65 |
| Cost of funding earning assets | 1.0247% | 1,319 |
| Net interest margin | 5.7836% | 64 |
| Noninterest income to average assets | -0.0283% | 5,081 |
| Noninterest expense to average assets | 4.6082% | 274 |
| Loan and lease loss provision to assets | 0.1414% | 1,974 |
| Net operating income to assets | 0.6078% | 3,577 |
| Return on assets (ROA) | 0.6078% | 3,633 |
| Pretax return on assets | 0.6078% | 3,906 |
| Return on Equity (ROE) | 7.2269% | 2,859 |
| Retained earnings to average equity (ytd only) | 7.2269% | 1,465 |
| Net charge-offs to loans | 0.0163% | 2,046 |
| Credit loss provision to net charge-offs | 1,000.0000% | 564 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 861 |
| Efficiency ratio | 86.0158% | 706 |
| Assets per employee ($millions) | 2.7370% | 4,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9086% | 4,079 |
| Loan loss allowance to noncurrent loans | 33.0639% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 3.2640% | 164 |
| Noncurrent loans to loans | 2.7481% | 418 |
| Net loans and leases to total assets | 85.3835% | 176 |
| Net loans and leases to deposits | 93.2701% | 1,155 |
| Net loans and leases to core deposits | 111.4682% | 779 |
| Total domestic deposits to total assets | 91.5443% | 71 |
| Equity capital to assets | 8.3496% | 4,880 |
| Core capital (leverage) ratio | 8.5818% | 4,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7915% | 3,157 |
| Memoranda: | ||
| Average total assets | $56,594,500 | 4,599 |
| Average earning assets | $52,700,500 | 4,588 |
| Average equity | $4,760,000 | 4,867 |
| Average total loans | $48,984,500 | 4,174 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1405% | 184 |
| Cost of funding earning assets | 1.1241% | 1,241 |
| Net interest margin | 5.0165% | 263 |
| Noninterest income to average assets | 1.0757% | 820 |
| Noninterest expense to average assets | 5.6130% | 155 |
| Loan and lease loss provision to assets | 0.0662% | 2,694 |
| Net operating income to assets | 0.0454% | 4,947 |
| Return on assets (ROA) | 0.0454% | 4,966 |
| Pretax return on assets | 0.0454% | 4,961 |
| Return on Equity (ROE) | 0.4945% | 4,962 |
| Retained earnings to average equity (ytd only) | -3.4820% | 4,930 |
| Net charge-offs to loans | 0.1002% | 1,728 |
| Credit loss provision to net charge-offs | 74.4681% | 2,860 |
| Earnings coverage of net charge-offs (x) | 1.2553% | 3,560 |
| Efficiency ratio | 98.0515% | 183 |
| Assets per employee ($millions) | 2.5324% | 4,990 |
| Cash dividends to net income (ytd only)* | 804.1667% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8918% | 3,991 |
| Loan loss allowance to noncurrent loans | 44.6743% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 2.8593% | 198 |
| Noncurrent loans to loans | 1.9961% | 642 |
| Net loans and leases to total assets | 86.1774% | 154 |
| Net loans and leases to deposits | 94.3280% | 1,126 |
| Net loans and leases to core deposits | 122.6736% | 407 |
| Total domestic deposits to total assets | 91.3593% | 76 |
| Equity capital to assets | 8.4738% | 4,919 |
| Core capital (leverage) ratio | 8.5700% | 4,804 |
| Tier 1 risk-based capital ratio | 10.7210% | 4,958 |
| Total risk-based capital ratio | 11.7117% | 4,958 |
| Memoranda: | ||
| Average total assets | $52,894,800 | 4,704 |
| Average earning assets | $49,018,600 | 4,690 |
| Average equity | $4,853,600 | 4,903 |
| Average total loans | $46,923,800 | 4,239 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0600% | 213 |
| Cost of funding earning assets | 1.0950% | 1,375 |
| Net interest margin | 4.9649% | 312 |
| Noninterest income to average assets | 1.2007% | 637 |
| Noninterest expense to average assets | 5.1937% | 188 |
| Loan and lease loss provision to assets | 0.0255% | 3,384 |
| Net operating income to assets | 0.5799% | 4,342 |
| Return on assets (ROA) | 0.5799% | 4,389 |
| Pretax return on assets | 0.5799% | 4,577 |
| Return on Equity (ROE) | 6.1935% | 3,986 |
| Retained earnings to average equity (ytd only) | 2.2101% | 4,201 |
| Net charge-offs to loans | 0.1232% | 1,277 |
| Credit loss provision to net charge-offs | 23.2558% | 2,949 |
| Earnings coverage of net charge-offs (x) | 5.5118% | 2,915 |
| Efficiency ratio | 89.5595% | 339 |
| Assets per employee ($millions) | 2.3659% | 5,111 |
| Cash dividends to net income (ytd only)* | 64.3164% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8563% | 4,209 |
| Loan loss allowance to noncurrent loans | 49.3990% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 2.3522% | 318 |
| Noncurrent loans to loans | 1.7334% | 841 |
| Net loans and leases to total assets | 87.4485% | 121 |
| Net loans and leases to deposits | 96.3943% | 972 |
| Net loans and leases to core deposits | 126.5383% | 356 |
| Total domestic deposits to total assets | 90.7196% | 134 |
| Equity capital to assets | 9.1315% | 4,707 |
| Core capital (leverage) ratio | 9.2399% | 4,442 |
| Tier 1 risk-based capital ratio | 11.3272% | 4,749 |
| Total risk-based capital ratio | 12.2710% | 4,789 |
| Memoranda: | ||
| Average total assets | $52,190,250 | 4,785 |
| Average earning assets | $48,338,000 | 4,772 |
| Average equity | $4,886,750 | 4,963 |
| Average total loans | $46,543,750 | 4,298 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0016% | 235 |
| Cost of funding earning assets | 1.0381% | 1,542 |
| Net interest margin | 4.9635% | 310 |
| Noninterest income to average assets | 1.0962% | 709 |
| Noninterest expense to average assets | 5.1547% | 202 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5326% | 4,456 |
| Return on assets (ROA) | 0.5326% | 4,486 |
| Pretax return on assets | 0.5326% | 4,649 |
| Return on Equity (ROE) | 5.6386% | 4,168 |
| Retained earnings to average equity (ytd only) | 1.4405% | 4,308 |
| Net charge-offs to loans | 0.1737% | 938 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 3.4250% | 2,845 |
| Efficiency ratio | 90.6357% | 330 |
| Assets per employee ($millions) | 2.3864% | 5,151 |
| Cash dividends to net income (ytd only)* | 74.4526% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8644% | 4,221 |
| Loan loss allowance to noncurrent loans | 70.6294% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 1.9085% | 504 |
| Noncurrent loans to loans | 1.2238% | 1,302 |
| Net loans and leases to total assets | 88.2574% | 101 |
| Net loans and leases to deposits | 97.5166% | 885 |
| Net loans and leases to core deposits | 122.0460% | 487 |
| Total domestic deposits to total assets | 90.5049% | 189 |
| Equity capital to assets | 9.3408% | 4,541 |
| Core capital (leverage) ratio | 9.4362% | 4,213 |
| Tier 1 risk-based capital ratio | 11.4395% | 4,714 |
| Total risk-based capital ratio | 12.3819% | 4,759 |
| Memoranda: | ||
| Average total assets | $51,448,330 | 4,830 |
| Average earning assets | $47,587,670 | 4,820 |
| Average equity | $4,859,330 | 5,003 |
| Average total loans | $46,059,330 | 4,342 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9349% | 244 |
| Cost of funding earning assets | 0.9608% | 1,745 |
| Net interest margin | 4.9741% | 293 |
| Noninterest income to average assets | 0.8326% | 1,206 |
| Noninterest expense to average assets | 5.0587% | 194 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3692% | 4,794 |
| Return on assets (ROA) | 0.3692% | 4,801 |
| Pretax return on assets | 0.3692% | 4,876 |
| Return on Equity (ROE) | 3.8867% | 4,599 |
| Retained earnings to average equity (ytd only) | -2.6463% | 4,794 |
| Net charge-offs to loans | 0.3412% | 453 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1.2051% | 2,612 |
| Efficiency ratio | 93.1983% | 303 |
| Assets per employee ($millions) | 2.4122% | 5,208 |
| Cash dividends to net income (ytd only)* | 168.0851% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8457% | 4,363 |
| Loan loss allowance to noncurrent loans | 65.5340% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 2.1105% | 434 |
| Noncurrent loans to loans | 1.2905% | 1,271 |
| Net loans and leases to total assets | 89.4741% | 59 |
| Net loans and leases to deposits | 109.1187% | 241 |
| Net loans and leases to core deposits | 138.5111% | 200 |
| Total domestic deposits to total assets | 81.9970% | 3,728 |
| Equity capital to assets | 9.1014% | 4,615 |
| Core capital (leverage) ratio | 9.4731% | 4,163 |
| Tier 1 risk-based capital ratio | 11.6169% | 4,679 |
| Total risk-based capital ratio | 12.5898% | 4,721 |
| Memoranda: | ||
| Average total assets | $50,922,000 | 4,884 |
| Average earning assets | $47,043,500 | 4,881 |
| Average equity | $4,837,000 | 5,050 |
| Average total loans | $45,719,000 | 4,394 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8071% | 233 |
| Cost of funding earning assets | 0.6876% | 2,163 |
| Net interest margin | 5.1195% | 216 |
| Noninterest income to average assets | 1.3427% | 504 |
| Noninterest expense to average assets | 5.0512% | 201 |
| Loan and lease loss provision to assets | 0.0506% | 3,175 |
| Net operating income to assets | 0.9382% | 3,289 |
| Return on assets (ROA) | 0.9382% | 3,282 |
| Pretax return on assets | 0.9382% | 3,791 |
| Return on Equity (ROE) | 9.8774% | 2,561 |
| Retained earnings to average equity (ytd only) | 6.6417% | 1,845 |
| Net charge-offs to loans | 0.0191% | 3,061 |
| Credit loss provision to net charge-offs | 312.5000% | 997 |
| Earnings coverage of net charge-offs (x) | 61.1250% | 1,010 |
| Efficiency ratio | 83.6291% | 676 |
| Assets per employee ($millions) | 2.1207% | 5,300 |
| Cash dividends to net income (ytd only)* | 32.7586% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 3,567 |
| Loan loss allowance to noncurrent loans | 104.4706% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 2.0543% | 457 |
| Noncurrent loans to loans | 0.9759% | 1,664 |
| Net loans and leases to total assets | 88.3772% | 101 |
| Net loans and leases to deposits | 101.7323% | 613 |
| Net loans and leases to core deposits | 130.0332% | 324 |
| Total domestic deposits to total assets | 86.8724% | 1,840 |
| Equity capital to assets | 9.9313% | 3,738 |
| Core capital (leverage) ratio | 9.9264% | 3,672 |
| Tier 1 risk-based capital ratio | 13.2591% | 3,689 |
| Total risk-based capital ratio | 14.4686% | 3,597 |
| Memoranda: | ||
| Average total assets | $49,453,800 | 4,947 |
| Average earning assets | $45,375,200 | 4,946 |
| Average equity | $4,697,600 | 5,089 |
| Average total loans | $41,813,400 | 4,502 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7433% | 241 |
| Cost of funding earning assets | 0.6274% | 2,288 |
| Net interest margin | 5.1159% | 212 |
| Noninterest income to average assets | 1.1822% | 673 |
| Noninterest expense to average assets | 4.9921% | 205 |
| Loan and lease loss provision to assets | 0.0537% | 2,895 |
| Net operating income to assets | 0.8249% | 3,823 |
| Return on assets (ROA) | 0.8249% | 3,834 |
| Pretax return on assets | 0.8249% | 4,230 |
| Return on Equity (ROE) | 8.7818% | 3,202 |
| Retained earnings to average equity (ytd only) | 5.5495% | 2,925 |
| Net charge-offs to loans | 0.0193% | 2,757 |
| Credit loss provision to net charge-offs | 333.3333% | 939 |
| Earnings coverage of net charge-offs (x) | 54.4988% | 1,123 |
| Efficiency ratio | 85.0343% | 577 |
| Assets per employee ($millions) | 2.1107% | 5,367 |
| Cash dividends to net income (ytd only)* | 36.8074% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 3,215 |
| Loan loss allowance to noncurrent loans | 259.4118% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 1.5387% | 824 |
| Noncurrent loans to loans | 0.4227% | 3,140 |
| Net loans and leases to total assets | 81.9247% | 731 |
| Net loans and leases to deposits | 90.8908% | 1,773 |
| Net loans and leases to core deposits | 121.8692% | 519 |
| Total domestic deposits to total assets | 90.1353% | 465 |
| Equity capital to assets | 9.7143% | 3,909 |
| Core capital (leverage) ratio | 9.6397% | 4,001 |
| Tier 1 risk-based capital ratio | 12.9300% | 3,950 |
| Total risk-based capital ratio | 14.1302% | 3,878 |
| Memoranda: | ||
| Average total assets | $49,623,500 | 4,995 |
| Average earning assets | $45,478,250 | 4,997 |
| Average equity | $4,661,000 | 5,157 |
| Average total loans | $41,379,250 | 4,557 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6816% | 244 |
| Cost of funding earning assets | 0.5765% | 2,385 |
| Net interest margin | 5.1051% | 205 |
| Noninterest income to average assets | 1.2805% | 589 |
| Noninterest expense to average assets | 4.9658% | 219 |
| Loan and lease loss provision to assets | 0.0800% | 2,308 |
| Net operating income to assets | 0.9123% | 3,408 |
| Return on assets (ROA) | 0.9123% | 3,414 |
| Pretax return on assets | 0.9123% | 3,930 |
| Return on Equity (ROE) | 9.8219% | 2,650 |
| Retained earnings to average equity (ytd only) | 7.1080% | 2,026 |
| Net charge-offs to loans | 0.0335% | 2,178 |
| Credit loss provision to net charge-offs | 285.7143% | 1,039 |
| Earnings coverage of net charge-offs (x) | 35.4286% | 1,380 |
| Efficiency ratio | 83.3445% | 735 |
| Assets per employee ($millions) | 2.2665% | 5,400 |
| Cash dividends to net income (ytd only)* | 27.6316% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0666% | 3,456 |
| Loan loss allowance to noncurrent loans | 258.8235% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 1.6485% | 757 |
| Noncurrent loans to loans | 0.4121% | 3,221 |
| Net loans and leases to total assets | 81.8486% | 721 |
| Net loans and leases to deposits | 90.4644% | 1,786 |
| Net loans and leases to core deposits | 119.2177% | 579 |
| Total domestic deposits to total assets | 90.4761% | 407 |
| Equity capital to assets | 9.4196% | 4,177 |
| Core capital (leverage) ratio | 9.3895% | 4,262 |
| Tier 1 risk-based capital ratio | 12.6382% | 4,105 |
| Total risk-based capital ratio | 13.8221% | 4,040 |
| Memoranda: | ||
| Average total assets | $49,982,330 | 5,048 |
| Average earning assets | $45,797,330 | 5,049 |
| Average equity | $4,642,670 | 5,216 |
| Average total loans | $41,768,000 | 4,591 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7274% | 205 |
| Cost of funding earning assets | 0.5675% | 2,267 |
| Net interest margin | 5.1599% | 171 |
| Noninterest income to average assets | 1.2869% | 563 |
| Noninterest expense to average assets | 4.8600% | 236 |
| Loan and lease loss provision to assets | 0.1199% | 1,574 |
| Net operating income to assets | 1.0311% | 2,730 |
| Return on assets (ROA) | 1.0311% | 2,747 |
| Pretax return on assets | 1.0311% | 3,424 |
| Return on Equity (ROE) | 11.1797% | 1,894 |
| Retained earnings to average equity (ytd only) | 11.1797% | 850 |
| Net charge-offs to loans | 0.0190% | 2,122 |
| Credit loss provision to net charge-offs | 750.0000% | 436 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 758 |
| Efficiency ratio | 80.8511% | 1,057 |
| Assets per employee ($millions) | 2.0977% | 5,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 3,537 |
| Loan loss allowance to noncurrent loans | 318.8406% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 1.5692% | 864 |
| Noncurrent loans to loans | 0.3363% | 3,557 |
| Net loans and leases to total assets | 80.6217% | 851 |
| Net loans and leases to deposits | 88.9407% | 1,819 |
| Net loans and leases to core deposits | 113.5103% | 828 |
| Total domestic deposits to total assets | 90.6465% | 429 |
| Equity capital to assets | 9.2720% | 4,296 |
| Core capital (leverage) ratio | 9.3020% | 4,325 |
| Tier 1 risk-based capital ratio | 12.5795% | 4,190 |
| Total risk-based capital ratio | 13.7598% | 4,136 |
| Memoranda: | ||
| Average total assets | $50,041,500 | 5,108 |
| Average earning assets | $45,815,000 | 5,114 |
| Average equity | $4,615,500 | 5,275 |
| Average total loans | $42,025,500 | 4,632 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7877% | 172 |
| Cost of funding earning assets | 0.4454% | 2,821 |
| Net interest margin | 5.3423% | 134 |
| Noninterest income to average assets | 1.4278% | 523 |
| Noninterest expense to average assets | 5.0937% | 210 |
| Loan and lease loss provision to assets | 0.2106% | 946 |
| Net operating income to assets | 0.9104% | 2,655 |
| Return on assets (ROA) | 0.9104% | 2,682 |
| Pretax return on assets | 0.9104% | 3,886 |
| Return on Equity (ROE) | 9.9956% | 1,888 |
| Retained earnings to average equity (ytd only) | 4.2052% | 2,644 |
| Net charge-offs to loans | 0.0290% | 3,229 |
| Credit loss provision to net charge-offs | 875.0000% | 403 |
| Earnings coverage of net charge-offs (x) | 46.5833% | 1,153 |
| Efficiency ratio | 81.9619% | 931 |
| Assets per employee ($millions) | 2.0724% | 5,560 |
| Cash dividends to net income (ytd only)* | 57.9295% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 3,991 |
| Loan loss allowance to noncurrent loans | 212.4378% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 2.7866% | 306 |
| Noncurrent loans to loans | 0.4672% | 3,106 |
| Net loans and leases to total assets | 85.6387% | 282 |
| Net loans and leases to deposits | 94.3432% | 1,235 |
| Net loans and leases to core deposits | 118.8079% | 622 |
| Total domestic deposits to total assets | 90.7737% | 306 |
| Equity capital to assets | 9.1741% | 4,554 |
| Core capital (leverage) ratio | 9.1211% | 4,499 |
| Tier 1 risk-based capital ratio | 11.4870% | 4,856 |
| Total risk-based capital ratio | 12.5570% | 4,850 |
| Memoranda: | ||
| Average total assets | $49,865,800 | 5,161 |
| Average earning assets | $44,681,200 | 5,179 |
| Average equity | $4,542,000 | 5,343 |
| Average total loans | $41,436,400 | 4,682 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7157% | 186 |
| Cost of funding earning assets | 0.4164% | 3,026 |
| Net interest margin | 5.2993% | 145 |
| Noninterest income to average assets | 1.3815% | 556 |
| Noninterest expense to average assets | 4.6093% | 291 |
| Loan and lease loss provision to assets | 0.2405% | 736 |
| Net operating income to assets | 1.2585% | 1,473 |
| Return on assets (ROA) | 1.2585% | 1,501 |
| Pretax return on assets | 1.2585% | 2,671 |
| Return on Equity (ROE) | 13.8421% | 868 |
| Retained earnings to average equity (ytd only) | 7.7880% | 1,308 |
| Net charge-offs to loans | 0.0260% | 2,920 |
| Credit loss provision to net charge-offs | 1,125.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 70.1012% | 891 |
| Efficiency ratio | 75.4593% | 1,669 |
| Assets per employee ($millions) | 2.1143% | 5,614 |
| Cash dividends to net income (ytd only)* | 43.7371% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9621% | 4,272 |
| Loan loss allowance to noncurrent loans | 69.9160% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 3.7759% | 179 |
| Noncurrent loans to loans | 1.3760% | 1,369 |
| Net loans and leases to total assets | 84.3939% | 400 |
| Net loans and leases to deposits | 93.0330% | 1,415 |
| Net loans and leases to core deposits | 114.1000% | 833 |
| Total domestic deposits to total assets | 90.7140% | 254 |
| Equity capital to assets | 9.1540% | 4,767 |
| Core capital (leverage) ratio | 9.2322% | 4,487 |
| Tier 1 risk-based capital ratio | 11.1586% | 5,152 |
| Total risk-based capital ratio | 12.1580% | 5,186 |
| Memoranda: | ||
| Average total assets | $49,897,750 | 5,215 |
| Average earning assets | $44,507,750 | 5,236 |
| Average equity | $4,536,750 | 5,398 |
| Average total loans | $41,040,000 | 4,741 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6591% | 194 |
| Cost of funding earning assets | 0.3948% | 3,125 |
| Net interest margin | 5.2643% | 150 |
| Noninterest income to average assets | 1.6084% | 433 |
| Noninterest expense to average assets | 4.5630% | 297 |
| Loan and lease loss provision to assets | 0.2822% | 563 |
| Net operating income to assets | 1.4391% | 978 |
| Return on assets (ROA) | 1.4391% | 1,009 |
| Pretax return on assets | 1.4391% | 1,862 |
| Return on Equity (ROE) | 15.8643% | 550 |
| Retained earnings to average equity (ytd only) | 10.9317% | 449 |
| Net charge-offs to loans | 0.0298% | 2,610 |
| Credit loss provision to net charge-offs | 1,166.6667% | 345 |
| Earnings coverage of net charge-offs (x) | 71.1667% | 832 |
| Efficiency ratio | 72.6106% | 2,246 |
| Assets per employee ($millions) | 2.2766% | 5,623 |
| Cash dividends to net income (ytd only)* | 31.0924% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9784% | 4,276 |
| Loan loss allowance to noncurrent loans | 77.7344% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 3.8095% | 188 |
| Noncurrent loans to loans | 1.2586% | 1,531 |
| Net loans and leases to total assets | 80.4273% | 885 |
| Net loans and leases to deposits | 88.6956% | 1,899 |
| Net loans and leases to core deposits | 108.8703% | 1,059 |
| Total domestic deposits to total assets | 90.6778% | 304 |
| Equity capital to assets | 9.2443% | 4,678 |
| Core capital (leverage) ratio | 9.2817% | 4,381 |
| Tier 1 risk-based capital ratio | 11.3796% | 5,033 |
| Total risk-based capital ratio | 12.3578% | 5,089 |
| Memoranda: | ||
| Average total assets | $49,616,000 | 5,256 |
| Average earning assets | $44,070,330 | 5,288 |
| Average equity | $4,500,670 | 5,443 |
| Average total loans | $40,306,670 | 4,798 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5908% | 202 |
| Cost of funding earning assets | 0.4026% | 2,970 |
| Net interest margin | 5.1882% | 157 |
| Noninterest income to average assets | 1.6200% | 424 |
| Noninterest expense to average assets | 4.5928% | 305 |
| Loan and lease loss provision to assets | 0.2835% | 503 |
| Net operating income to assets | 1.3365% | 1,148 |
| Return on assets (ROA) | 1.3365% | 1,183 |
| Pretax return on assets | 1.3365% | 2,112 |
| Return on Equity (ROE) | 14.8783% | 664 |
| Retained earnings to average equity (ytd only) | 12.2633% | 447 |
| Net charge-offs to loans | 0.0499% | 1,863 |
| Credit loss provision to net charge-offs | 700.0000% | 457 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,039 |
| Efficiency ratio | 73.9244% | 2,245 |
| Assets per employee ($millions) | 2.2447% | 5,702 |
| Cash dividends to net income (ytd only)* | 17.5758% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9444% | 4,581 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.8997% | 355 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 77.3125% | 1,230 |
| Net loans and leases to deposits | 85.1054% | 2,150 |
| Net loans and leases to core deposits | 104.7635% | 1,173 |
| Total domestic deposits to total assets | 90.8432% | 344 |
| Equity capital to assets | 9.1021% | 4,710 |
| Core capital (leverage) ratio | 9.0477% | 4,682 |
| Tier 1 risk-based capital ratio | 11.4721% | 5,048 |
| Total risk-based capital ratio | 12.4011% | 5,127 |
| Memoranda: | ||
| Average total assets | $49,381,500 | 5,324 |
| Average earning assets | $43,715,000 | 5,353 |
| Average equity | $4,436,000 | 5,509 |
| Average total loans | $40,120,000 | 4,845 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6157% | 214 |
| Cost of funding earning assets | 0.3460% | 3,567 |
| Net interest margin | 5.2697% | 155 |
| Noninterest income to average assets | 1.2328% | 748 |
| Noninterest expense to average assets | 4.6895% | 319 |
| Loan and lease loss provision to assets | 0.1813% | 1,315 |
| Net operating income to assets | 1.1180% | 1,829 |
| Return on assets (ROA) | 1.1180% | 1,915 |
| Pretax return on assets | 1.1180% | 3,029 |
| Return on Equity (ROE) | 12.9794% | 998 |
| Retained earnings to average equity (ytd only) | 8.3723% | 748 |
| Net charge-offs to loans | 0.4288% | 600 |
| Credit loss provision to net charge-offs | 49.1803% | 3,392 |
| Earnings coverage of net charge-offs (x) | 3.5246% | 3,649 |
| Efficiency ratio | 78.3047% | 1,654 |
| Assets per employee ($millions) | 2.2445% | 5,751 |
| Cash dividends to net income (ytd only)* | 35.4955% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8010% | 5,103 |
| Loan loss allowance to noncurrent loans | 927.7778% | 652 |
| Noncurrent assets plus other real estate owned to assets | 2.9729% | 344 |
| Noncurrent loans to loans | 0.0863% | 4,896 |
| Net loans and leases to total assets | 83.7644% | 405 |
| Net loans and leases to deposits | 91.9523% | 1,463 |
| Net loans and leases to core deposits | 116.2050% | 610 |
| Total domestic deposits to total assets | 91.0954% | 250 |
| Equity capital to assets | 8.8641% | 4,949 |
| Core capital (leverage) ratio | 8.7580% | 5,017 |
| Tier 1 risk-based capital ratio | 11.3028% | 5,171 |
| Total risk-based capital ratio | 12.1653% | 5,275 |
| Memoranda: | ||
| Average total assets | $49,642,800 | 5,352 |
| Average earning assets | $44,803,000 | 5,359 |
| Average equity | $4,276,000 | 5,593 |
| Average total loans | $42,674,800 | 4,795 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5049% | 243 |
| Cost of funding earning assets | 0.3374% | 3,681 |
| Net interest margin | 5.1675% | 183 |
| Noninterest income to average assets | 1.4189% | 589 |
| Noninterest expense to average assets | 4.6027% | 350 |
| Loan and lease loss provision to assets | 0.1609% | 1,438 |
| Net operating income to assets | 1.3384% | 1,191 |
| Return on assets (ROA) | 1.3384% | 1,270 |
| Pretax return on assets | 1.3384% | 2,275 |
| Return on Equity (ROE) | 15.6518% | 590 |
| Retained earnings to average equity (ytd only) | 12.6093% | 243 |
| Net charge-offs to loans | 0.5064% | 425 |
| Credit loss provision to net charge-offs | 36.8098% | 3,178 |
| Earnings coverage of net charge-offs (x) | 3.4294% | 3,419 |
| Efficiency ratio | 75.4286% | 2,044 |
| Assets per employee ($millions) | 2.3537% | 5,790 |
| Cash dividends to net income (ytd only)* | 19.4388% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7292% | 5,365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.9103% | 408 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 85.1782% | 315 |
| Net loans and leases to deposits | 97.3965% | 912 |
| Net loans and leases to core deposits | 118.6725% | 550 |
| Total domestic deposits to total assets | 87.4551% | 1,689 |
| Equity capital to assets | 8.5879% | 5,483 |
| Core capital (leverage) ratio | 8.7931% | 5,060 |
| Tier 1 risk-based capital ratio | 11.1423% | 5,294 |
| Total risk-based capital ratio | 11.9541% | 5,431 |
| Memoranda: | ||
| Average total assets | $49,708,750 | 5,405 |
| Average earning assets | $45,049,500 | 5,415 |
| Average equity | $4,250,750 | 5,661 |
| Average total loans | $42,919,500 | 4,831 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4017% | 296 |
| Cost of funding earning assets | 0.3306% | 3,791 |
| Net interest margin | 5.0711% | 229 |
| Noninterest income to average assets | 1.4362% | 562 |
| Noninterest expense to average assets | 4.7289% | 318 |
| Loan and lease loss provision to assets | 0.1224% | 1,862 |
| Net operating income to assets | 1.2159% | 1,543 |
| Return on assets (ROA) | 1.2159% | 1,639 |
| Pretax return on assets | 1.2159% | 2,721 |
| Return on Equity (ROE) | 14.2402% | 792 |
| Retained earnings to average equity (ytd only) | 12.5677% | 267 |
| Net charge-offs to loans | 0.0189% | 3,125 |
| Credit loss provision to net charge-offs | 750.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 82.0000% | 692 |
| Efficiency ratio | 77.9422% | 1,803 |
| Assets per employee ($millions) | 2.2730% | 5,872 |
| Cash dividends to net income (ytd only)* | 11.7450% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0463% | 4,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.3177% | 344 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 85.6774% | 277 |
| Net loans and leases to deposits | 95.9336% | 1,085 |
| Net loans and leases to core deposits | 115.7794% | 645 |
| Total domestic deposits to total assets | 89.3091% | 757 |
| Equity capital to assets | 8.6151% | 5,526 |
| Core capital (leverage) ratio | 8.6559% | 5,208 |
| Tier 1 risk-based capital ratio | 10.9133% | 5,467 |
| Total risk-based capital ratio | 12.0703% | 5,436 |
| Memoranda: | ||
| Average total assets | $49,017,670 | 5,480 |
| Average earning assets | $44,763,330 | 5,486 |
| Average equity | $4,185,330 | 5,734 |
| Average total loans | $42,415,670 | 4,886 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4339% | 282 |
| Cost of funding earning assets | 0.3217% | 3,926 |
| Net interest margin | 5.1122% | 199 |
| Noninterest income to average assets | 1.6816% | 430 |
| Noninterest expense to average assets | 4.8471% | 298 |
| Loan and lease loss provision to assets | 0.1237% | 1,711 |
| Net operating income to assets | 1.4261% | 993 |
| Return on assets (ROA) | 1.4261% | 1,039 |
| Pretax return on assets | 1.4261% | 1,815 |
| Return on Equity (ROE) | 16.7798% | 460 |
| Retained earnings to average equity (ytd only) | 16.7798% | 164 |
| Net charge-offs to loans | 0.0381% | 2,230 |
| Credit loss provision to net charge-offs | 375.0000% | 738 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 918 |
| Efficiency ratio | 75.7732% | 2,208 |
| Assets per employee ($millions) | 2.3612% | 5,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 4,581 |
| Loan loss allowance to noncurrent loans | 49.7162% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 3.6966% | 289 |
| Noncurrent loans to loans | 2.0203% | 1,055 |
| Net loans and leases to total assets | 87.0609% | 163 |
| Net loans and leases to deposits | 95.2013% | 1,021 |
| Net loans and leases to core deposits | 114.4273% | 652 |
| Total domestic deposits to total assets | 91.4492% | 172 |
| Equity capital to assets | 8.4943% | 5,569 |
| Core capital (leverage) ratio | 8.5851% | 5,307 |
| Tier 1 risk-based capital ratio | 11.0038% | 5,500 |
| Total risk-based capital ratio | 12.1560% | 5,459 |
| Memoranda: | ||
| Average total assets | $48,524,000 | 5,539 |
| Average earning assets | $44,756,000 | 5,530 |
| Average equity | $4,124,000 | 5,787 |
| Average total loans | $41,975,500 | 4,938 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3892% | 327 |
| Cost of funding earning assets | 0.3096% | 4,150 |
| Net interest margin | 5.0796% | 217 |
| Noninterest income to average assets | 0.5631% | 2,946 |
| Noninterest expense to average assets | 5.1458% | 253 |
| Loan and lease loss provision to assets | 0.1675% | 1,369 |
| Net operating income to assets | -0.2156% | 5,969 |
| Return on assets (ROA) | -0.2156% | 5,980 |
| Pretax return on assets | -0.2156% | 5,968 |
| Return on Equity (ROE) | -2.5527% | 5,997 |
| Retained earnings to average equity (ytd only) | -2.5527% | 5,789 |
| Net charge-offs to loans | 0.0330% | 3,552 |
| Credit loss provision to net charge-offs | 615.3846% | 552 |
| Earnings coverage of net charge-offs (x) | -1.7692% | 4,352 |
| Efficiency ratio | 100.9446% | 263 |
| Assets per employee ($millions) | 2.1574% | 6,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 4,267 |
| Loan loss allowance to noncurrent loans | 45.3773% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 3.9885% | 261 |
| Noncurrent loans to loans | 2.3325% | 821 |
| Net loans and leases to total assets | 84.1010% | 382 |
| Net loans and leases to deposits | 91.9575% | 1,405 |
| Net loans and leases to core deposits | 109.2781% | 901 |
| Total domestic deposits to total assets | 91.4563% | 186 |
| Equity capital to assets | 8.5036% | 5,559 |
| Core capital (leverage) ratio | 8.3762% | 5,548 |
| Tier 1 risk-based capital ratio | 10.5132% | 5,769 |
| Total risk-based capital ratio | 11.6330% | 5,749 |
| Memoranda: | ||
| Average total assets | $47,767,200 | 5,592 |
| Average earning assets | $42,641,000 | 5,621 |
| Average equity | $4,035,000 | 5,844 |
| Average total loans | $39,384,200 | 5,039 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4012% | 317 |
| Cost of funding earning assets | 0.3125% | 4,194 |
| Net interest margin | 5.0887% | 214 |
| Noninterest income to average assets | 0.4487% | 3,723 |
| Noninterest expense to average assets | 5.0469% | 276 |
| Loan and lease loss provision to assets | 0.1394% | 1,593 |
| Net operating income to assets | -0.2452% | 6,062 |
| Return on assets (ROA) | -0.2452% | 6,079 |
| Pretax return on assets | -0.2452% | 6,069 |
| Return on Equity (ROE) | -2.9080% | 6,098 |
| Retained earnings to average equity (ytd only) | -2.9080% | 5,925 |
| Net charge-offs to loans | 0.0136% | 3,696 |
| Credit loss provision to net charge-offs | 1,250.0000% | 292 |
| Earnings coverage of net charge-offs (x) | -9.5066% | 4,141 |
| Efficiency ratio | 102.1433% | 257 |
| Assets per employee ($millions) | 2.2094% | 6,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0411% | 4,518 |
| Loan loss allowance to noncurrent loans | 43.1456% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 4.5364% | 240 |
| Noncurrent loans to loans | 2.4129% | 856 |
| Net loans and leases to total assets | 79.3980% | 898 |
| Net loans and leases to deposits | 86.6947% | 2,067 |
| Net loans and leases to core deposits | 103.6054% | 1,255 |
| Total domestic deposits to total assets | 91.5835% | 145 |
| Equity capital to assets | 8.3362% | 5,808 |
| Core capital (leverage) ratio | 8.3397% | 5,683 |
| Tier 1 risk-based capital ratio | 10.2616% | 5,963 |
| Total risk-based capital ratio | 11.2967% | 5,981 |
| Memoranda: | ||
| Average total assets | $47,843,500 | 5,663 |
| Average earning assets | $42,236,250 | 5,700 |
| Average equity | $4,034,750 | 5,925 |
| Average total loans | $39,144,500 | 5,100 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4051% | 309 |
| Cost of funding earning assets | 0.3146% | 4,224 |
| Net interest margin | 5.0905% | 212 |
| Noninterest income to average assets | -0.3236% | 6,328 |
| Noninterest expense to average assets | 4.9885% | 293 |
| Loan and lease loss provision to assets | 0.1261% | 1,757 |
| Net operating income to assets | -0.9498% | 6,256 |
| Return on assets (ROA) | -0.9498% | 6,259 |
| Pretax return on assets | -0.9498% | 6,253 |
| Return on Equity (ROE) | -11.2187% | 6,262 |
| Retained earnings to average equity (ytd only) | -11.2187% | 6,195 |
| Net charge-offs to loans | -0.0051% | 4,746 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.7780% | 109 |
| Assets per employee ($millions) | 2.0910% | 6,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 4,843 |
| Loan loss allowance to noncurrent loans | 44.4318% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 4.4143% | 271 |
| Noncurrent loans to loans | 2.2640% | 1,047 |
| Net loans and leases to total assets | 80.0058% | 801 |
| Net loans and leases to deposits | 87.1786% | 1,920 |
| Net loans and leases to core deposits | 102.7148% | 1,278 |
| Total domestic deposits to total assets | 91.7724% | 154 |
| Equity capital to assets | 8.1590% | 5,908 |
| Core capital (leverage) ratio | 8.1137% | 5,860 |
| Tier 1 risk-based capital ratio | 10.3157% | 5,988 |
| Total risk-based capital ratio | 11.3531% | 6,002 |
| Memoranda: | ||
| Average total assets | $47,589,000 | 5,731 |
| Average earning assets | $41,960,330 | 5,765 |
| Average equity | $4,029,000 | 5,987 |
| Average total loans | $39,193,000 | 5,137 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4540% | 279 |
| Cost of funding earning assets | 0.3180% | 4,246 |
| Net interest margin | 5.1360% | 192 |
| Noninterest income to average assets | -0.3887% | 6,394 |
| Noninterest expense to average assets | 5.0447% | 285 |
| Loan and lease loss provision to assets | 0.2535% | 642 |
| Net operating income to assets | -1.1830% | 6,333 |
| Return on assets (ROA) | -1.1830% | 6,337 |
| Pretax return on assets | -1.1830% | 6,328 |
| Return on Equity (ROE) | -13.7204% | 6,340 |
| Retained earnings to average equity (ytd only) | -13.7204% | 6,209 |
| Net charge-offs to loans | -0.0102% | 4,725 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.5873% | 113 |
| Assets per employee ($millions) | 2.2561% | 6,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 4,983 |
| Loan loss allowance to noncurrent loans | 43.0143% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 4.4514% | 305 |
| Noncurrent loans to loans | 2.3389% | 1,052 |
| Net loans and leases to total assets | 81.2065% | 550 |
| Net loans and leases to deposits | 88.7766% | 1,534 |
| Net loans and leases to core deposits | 103.4247% | 1,099 |
| Total domestic deposits to total assets | 91.4728% | 235 |
| Equity capital to assets | 8.4681% | 5,763 |
| Core capital (leverage) ratio | 8.3216% | 5,703 |
| Tier 1 risk-based capital ratio | 10.7037% | 5,936 |
| Total risk-based capital ratio | 11.7571% | 5,956 |
| Memoranda: | ||
| Average total assets | $47,336,500 | 5,787 |
| Average earning assets | $41,510,500 | 5,828 |
| Average equity | $4,081,500 | 6,036 |
| Average total loans | $39,355,000 | 5,162 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7713% | 205 |
| Cost of funding earning assets | 0.3094% | 4,695 |
| Net interest margin | 5.4619% | 140 |
| Noninterest income to average assets | 0.9667% | 1,298 |
| Noninterest expense to average assets | 4.9242% | 323 |
| Loan and lease loss provision to assets | 0.5153% | 294 |
| Net operating income to assets | 0.3298% | 5,447 |
| Return on assets (ROA) | 0.3298% | 5,511 |
| Pretax return on assets | 0.3298% | 5,646 |
| Return on Equity (ROE) | 3.8692% | 5,174 |
| Retained earnings to average equity (ytd only) | -0.2660% | 5,812 |
| Net charge-offs to loans | 0.5890% | 680 |
| Credit loss provision to net charge-offs | 102.4590% | 2,336 |
| Earnings coverage of net charge-offs (x) | 1.6803% | 4,357 |
| Efficiency ratio | 85.3519% | 1,246 |
| Assets per employee ($millions) | 2.2521% | 6,291 |
| Cash dividends to net income (ytd only)* | 106.8750% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9035% | 5,467 |
| Loan loss allowance to noncurrent loans | 39.0456% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 5.6243% | 221 |
| Noncurrent loans to loans | 2.3140% | 1,126 |
| Net loans and leases to total assets | 83.4866% | 378 |
| Net loans and leases to deposits | 92.4274% | 1,242 |
| Net loans and leases to core deposits | 107.6237% | 914 |
| Total domestic deposits to total assets | 90.3267% | 602 |
| Equity capital to assets | 8.7768% | 5,506 |
| Core capital (leverage) ratio | 8.5516% | 5,498 |
| Tier 1 risk-based capital ratio | 11.6228% | 5,596 |
| Total risk-based capital ratio | 12.6398% | 5,645 |
| Memoranda: | ||
| Average total assets | $48,515,800 | 5,821 |
| Average earning assets | $42,659,400 | 5,862 |
| Average equity | $4,135,200 | 6,060 |
| Average total loans | $41,425,400 | 5,127 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7637% | 204 |
| Cost of funding earning assets | 0.3152% | 4,725 |
| Net interest margin | 5.4484% | 149 |
| Noninterest income to average assets | 0.8056% | 1,875 |
| Noninterest expense to average assets | 4.8721% | 341 |
| Loan and lease loss provision to assets | 0.6008% | 221 |
| Net operating income to assets | 0.1475% | 5,951 |
| Return on assets (ROA) | 0.1475% | 5,983 |
| Pretax return on assets | 0.1475% | 6,013 |
| Return on Equity (ROE) | 1.7428% | 5,894 |
| Retained earnings to average equity (ytd only) | -3.7761% | 6,192 |
| Net charge-offs to loans | 0.7620% | 442 |
| Credit loss provision to net charge-offs | 92.0502% | 2,396 |
| Earnings coverage of net charge-offs (x) | 1.1464% | 4,218 |
| Efficiency ratio | 86.6861% | 1,122 |
| Assets per employee ($millions) | 2.2182% | 6,371 |
| Cash dividends to net income (ytd only)* | 316.6528% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7989% | 5,875 |
| Loan loss allowance to noncurrent loans | 25.8687% | 5,831 |
| Noncurrent assets plus other real estate owned to assets | 5.4384% | 284 |
| Noncurrent loans to loans | 3.0883% | 848 |
| Net loans and leases to total assets | 85.2380% | 243 |
| Net loans and leases to deposits | 98.5968% | 692 |
| Net loans and leases to core deposits | 113.9020% | 587 |
| Total domestic deposits to total assets | 86.4511% | 2,614 |
| Equity capital to assets | 8.2847% | 5,957 |
| Core capital (leverage) ratio | 8.1948% | 5,940 |
| Tier 1 risk-based capital ratio | 10.4453% | 6,223 |
| Total risk-based capital ratio | 11.3181% | 6,292 |
| Memoranda: | ||
| Average total assets | $48,821,000 | 5,880 |
| Average earning assets | $43,142,750 | 5,917 |
| Average equity | $4,131,250 | 6,127 |
| Average total loans | $41,820,500 | 5,164 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8536% | 176 |
| Cost of funding earning assets | 0.3147% | 4,831 |
| Net interest margin | 5.5389% | 128 |
| Noninterest income to average assets | 1.4623% | 567 |
| Noninterest expense to average assets | 4.8989% | 330 |
| Loan and lease loss provision to assets | 0.7782% | 164 |
| Net operating income to assets | 0.6881% | 3,910 |
| Return on assets (ROA) | 0.6881% | 3,998 |
| Pretax return on assets | 0.6881% | 4,682 |
| Return on Equity (ROE) | 8.0756% | 3,050 |
| Retained earnings to average equity (ytd only) | 3.0284% | 4,278 |
| Net charge-offs to loans | 1.0674% | 318 |
| Credit loss provision to net charge-offs | 85.2018% | 2,259 |
| Earnings coverage of net charge-offs (x) | 1.6054% | 3,761 |
| Efficiency ratio | 76.9627% | 2,458 |
| Assets per employee ($millions) | 2.1605% | 6,454 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7996% | 5,976 |
| Loan loss allowance to noncurrent loans | 113.0282% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 4.5487% | 428 |
| Noncurrent loans to loans | 0.7074% | 3,939 |
| Net loans and leases to total assets | 83.7913% | 313 |
| Net loans and leases to deposits | 92.0492% | 1,147 |
| Net loans and leases to core deposits | 107.4839% | 792 |
| Total domestic deposits to total assets | 91.0288% | 409 |
| Equity capital to assets | 8.8975% | 5,415 |
| Core capital (leverage) ratio | 8.5378% | 5,596 |
| Tier 1 risk-based capital ratio | 10.9413% | 6,071 |
| Total risk-based capital ratio | 11.7801% | 6,184 |
| Memoranda: | ||
| Average total assets | $48,827,670 | 5,928 |
| Average earning assets | $43,221,330 | 5,970 |
| Average equity | $4,160,670 | 6,161 |
| Average total loans | $41,783,330 | 5,202 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8657% | 174 |
| Cost of funding earning assets | 0.3193% | 4,867 |
| Net interest margin | 5.5464% | 123 |
| Noninterest income to average assets | 1.2370% | 720 |
| Noninterest expense to average assets | 4.8023% | 354 |
| Loan and lease loss provision to assets | 1.0510% | 106 |
| Net operating income to assets | 0.2991% | 5,495 |
| Return on assets (ROA) | 0.2991% | 5,539 |
| Pretax return on assets | 0.2991% | 5,723 |
| Return on Equity (ROE) | 3.5866% | 5,223 |
| Retained earnings to average equity (ytd only) | -4.8467% | 6,112 |
| Net charge-offs to loans | 1.9342% | 139 |
| Credit loss provision to net charge-offs | 63.1068% | 2,077 |
| Earnings coverage of net charge-offs (x) | 0.8107% | 3,259 |
| Efficiency ratio | 78.0552% | 2,468 |
| Assets per employee ($millions) | 2.3470% | 6,449 |
| Cash dividends to net income (ytd only)* | 235.1351% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6556% | 6,334 |
| Loan loss allowance to noncurrent loans | 26.6284% | 5,938 |
| Noncurrent assets plus other real estate owned to assets | 4.4576% | 496 |
| Noncurrent loans to loans | 2.4622% | 1,413 |
| Net loans and leases to total assets | 85.4647% | 167 |
| Net loans and leases to deposits | 95.3786% | 692 |
| Net loans and leases to core deposits | 113.4779% | 477 |
| Total domestic deposits to total assets | 89.6058% | 1,307 |
| Equity capital to assets | 8.3328% | 5,799 |
| Core capital (leverage) ratio | 8.2362% | 5,904 |
| Tier 1 risk-based capital ratio | 10.3745% | 6,373 |
| Total risk-based capital ratio | 11.0823% | 6,489 |
| Memoranda: | ||
| Average total assets | $49,476,500 | 5,977 |
| Average earning assets | $43,848,000 | 6,009 |
| Average equity | $4,126,500 | 6,214 |
| Average total loans | $42,601,500 | 5,215 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8832% | 206 |
| Cost of funding earning assets | 0.3757% | 4,884 |
| Net interest margin | 5.5076% | 134 |
| Noninterest income to average assets | 1.0972% | 1,165 |
| Noninterest expense to average assets | 4.5414% | 511 |
| Loan and lease loss provision to assets | 0.1190% | 2,828 |
| Net operating income to assets | 1.3233% | 1,197 |
| Return on assets (ROA) | 1.3233% | 1,232 |
| Pretax return on assets | 1.3233% | 2,064 |
| Return on Equity (ROE) | 16.3328% | 584 |
| Retained earnings to average equity (ytd only) | 3.4772% | 3,754 |
| Net charge-offs to loans | 0.1181% | 3,630 |
| Credit loss provision to net charge-offs | 125.0000% | 1,900 |
| Earnings coverage of net charge-offs (x) | 15.1458% | 1,897 |
| Efficiency ratio | 75.8952% | 2,790 |
| Assets per employee ($millions) | 2.4833% | 6,413 |
| Cash dividends to net income (ytd only)* | 78.7106% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8271% | 6,108 |
| Loan loss allowance to noncurrent loans | 28.0285% | 6,002 |
| Noncurrent assets plus other real estate owned to assets | 4.9692% | 477 |
| Noncurrent loans to loans | 2.9508% | 1,173 |
| Net loans and leases to total assets | 85.4669% | 182 |
| Net loans and leases to deposits | 96.8690% | 680 |
| Net loans and leases to core deposits | 114.6066% | 456 |
| Total domestic deposits to total assets | 88.2294% | 2,040 |
| Equity capital to assets | 8.3478% | 5,737 |
| Core capital (leverage) ratio | 8.2531% | 5,921 |
| Tier 1 risk-based capital ratio | 10.4539% | 6,381 |
| Total risk-based capital ratio | 11.3510% | 6,453 |
| Memoranda: | ||
| Average total assets | $50,403,000 | 6,007 |
| Average earning assets | $44,720,200 | 6,029 |
| Average equity | $4,083,800 | 6,307 |
| Average total loans | $40,633,400 | 5,318 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7950% | 238 |
| Cost of funding earning assets | 0.3859% | 4,942 |
| Net interest margin | 5.4091% | 156 |
| Noninterest income to average assets | 1.0068% | 1,432 |
| Noninterest expense to average assets | 4.4332% | 557 |
| Loan and lease loss provision to assets | 0.0791% | 3,480 |
| Net operating income to assets | 1.2967% | 1,363 |
| Return on assets (ROA) | 1.2967% | 1,426 |
| Pretax return on assets | 1.2967% | 2,344 |
| Return on Equity (ROE) | 16.1244% | 636 |
| Retained earnings to average equity (ytd only) | 2.9824% | 4,544 |
| Net charge-offs to loans | 0.1663% | 2,894 |
| Credit loss provision to net charge-offs | 60.0000% | 3,298 |
| Earnings coverage of net charge-offs (x) | 10.4392% | 2,357 |
| Efficiency ratio | 76.3158% | 2,682 |
| Assets per employee ($millions) | 2.5205% | 6,457 |
| Cash dividends to net income (ytd only)* | 81.5040% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7494% | 6,370 |
| Loan loss allowance to noncurrent loans | 19.2584% | 6,264 |
| Noncurrent assets plus other real estate owned to assets | 6.0505% | 396 |
| Noncurrent loans to loans | 3.8912% | 919 |
| Net loans and leases to total assets | 84.6020% | 212 |
| Net loans and leases to deposits | 95.9287% | 692 |
| Net loans and leases to core deposits | 111.7028% | 515 |
| Total domestic deposits to total assets | 88.1926% | 2,003 |
| Equity capital to assets | 8.1355% | 6,058 |
| Core capital (leverage) ratio | 8.1062% | 6,146 |
| Tier 1 risk-based capital ratio | 10.2613% | 6,521 |
| Total risk-based capital ratio | 11.0717% | 6,615 |
| Memoranda: | ||
| Average total assets | $50,587,250 | 6,073 |
| Average earning assets | $44,911,000 | 6,097 |
| Average equity | $4,068,250 | 6,384 |
| Average total loans | $40,091,250 | 5,391 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8143% | 235 |
| Cost of funding earning assets | 0.3988% | 4,959 |
| Net interest margin | 5.4154% | 156 |
| Noninterest income to average assets | 0.9754% | 1,591 |
| Noninterest expense to average assets | 4.4741% | 540 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3268% | 1,250 |
| Return on assets (ROA) | 1.3268% | 1,334 |
| Pretax return on assets | 1.3268% | 2,207 |
| Return on Equity (ROE) | 16.5626% | 594 |
| Retained earnings to average equity (ytd only) | 3.9435% | 3,787 |
| Net charge-offs to loans | 0.2147% | 2,474 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,466 |
| Efficiency ratio | 77.1273% | 2,606 |
| Assets per employee ($millions) | 2.3730% | 6,600 |
| Cash dividends to net income (ytd only)* | 76.1905% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7497% | 6,432 |
| Loan loss allowance to noncurrent loans | 77.1208% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 3.2449% | 1,222 |
| Noncurrent loans to loans | 0.9721% | 3,995 |
| Net loans and leases to total assets | 79.7018% | 564 |
| Net loans and leases to deposits | 86.9328% | 1,466 |
| Net loans and leases to core deposits | 101.9273% | 944 |
| Total domestic deposits to total assets | 91.6821% | 319 |
| Equity capital to assets | 8.2196% | 6,042 |
| Core capital (leverage) ratio | 8.0969% | 6,111 |
| Tier 1 risk-based capital ratio | 10.3823% | 6,544 |
| Total risk-based capital ratio | 11.1489% | 6,635 |
| Memoranda: | ||
| Average total assets | $50,646,670 | 6,108 |
| Average earning assets | $45,130,330 | 6,132 |
| Average equity | $4,057,330 | 6,435 |
| Average total loans | $39,132,000 | 5,463 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6832% | 280 |
| Cost of funding earning assets | 0.4197% | 4,914 |
| Net interest margin | 5.2635% | 178 |
| Noninterest income to average assets | 0.9559% | 1,590 |
| Noninterest expense to average assets | 4.4502% | 556 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2222% | 1,463 |
| Return on assets (ROA) | 1.2222% | 1,575 |
| Pretax return on assets | 1.2222% | 2,503 |
| Return on Equity (ROE) | 15.4532% | 685 |
| Retained earnings to average equity (ytd only) | 2.3774% | 4,839 |
| Net charge-offs to loans | 0.2378% | 2,024 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.7826% | 2,161 |
| Efficiency ratio | 78.4530% | 2,545 |
| Assets per employee ($millions) | 2.2177% | 6,756 |
| Cash dividends to net income (ytd only)* | 84.6154% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8339% | 6,400 |
| Loan loss allowance to noncurrent loans | 56.9643% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 3.9563% | 1,018 |
| Noncurrent loans to loans | 1.4639% | 3,366 |
| Net loans and leases to total assets | 74.3702% | 1,028 |
| Net loans and leases to deposits | 80.8534% | 1,968 |
| Net loans and leases to core deposits | 94.4807% | 1,310 |
| Total domestic deposits to total assets | 91.9815% | 249 |
| Equity capital to assets | 7.9381% | 6,417 |
| Core capital (leverage) ratio | 7.9745% | 6,169 |
| Tier 1 risk-based capital ratio | 9.8870% | 6,708 |
| Total risk-based capital ratio | 10.6739% | 6,765 |
| Memoranda: | ||
| Average total assets | $51,054,000 | 6,153 |
| Average earning assets | $45,749,000 | 6,165 |
| Average equity | $4,038,000 | 6,503 |
| Average total loans | $38,689,500 | 5,519 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8014% | 363 |
| Cost of funding earning assets | 0.4811% | 5,343 |
| Net interest margin | 5.3202% | 228 |
| Noninterest income to average assets | 1.2718% | 955 |
| Noninterest expense to average assets | 4.7151% | 472 |
| Loan and lease loss provision to assets | 0.1039% | 4,342 |
| Net operating income to assets | 1.2094% | 1,572 |
| Return on assets (ROA) | 1.4546% | 1,110 |
| Pretax return on assets | 1.4546% | 1,837 |
| Return on Equity (ROE) | 17.4895% | 493 |
| Retained earnings to average equity (ytd only) | 4.0476% | 3,368 |
| Net charge-offs to loans | 0.1264% | 4,417 |
| Credit loss provision to net charge-offs | 104.1667% | 2,871 |
| Earnings coverage of net charge-offs (x) | 13.1667% | 1,857 |
| Efficiency ratio | 78.2144% | 2,414 |
| Assets per employee ($millions) | 2.8389% | 6,261 |
| Cash dividends to net income (ytd only)* | 76.8571% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8741% | 6,334 |
| Loan loss allowance to noncurrent loans | 48.9270% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 4.2758% | 983 |
| Noncurrent loans to loans | 1.7865% | 2,936 |
| Net loans and leases to total assets | 75.8968% | 925 |
| Net loans and leases to deposits | 82.4385% | 1,946 |
| Net loans and leases to core deposits | 95.9810% | 1,302 |
| Total domestic deposits to total assets | 92.0647% | 237 |
| Equity capital to assets | 7.8805% | 6,465 |
| Core capital (leverage) ratio | 8.0465% | 6,148 |
| Tier 1 risk-based capital ratio | 9.7301% | 6,762 |
| Total risk-based capital ratio | 10.5654% | 6,821 |
| Memoranda: | ||
| Average total assets | $48,121,800 | 6,260 |
| Average earning assets | $43,024,400 | 6,269 |
| Average equity | $4,002,400 | 6,566 |
| Average total loans | $37,960,200 | 5,590 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9448% | 304 |
| Cost of funding earning assets | 0.4731% | 5,609 |
| Net interest margin | 5.4718% | 181 |
| Noninterest income to average assets | 1.2411% | 970 |
| Noninterest expense to average assets | 4.8095% | 421 |
| Loan and lease loss provision to assets | 0.1407% | 3,777 |
| Net operating income to assets | 1.1735% | 1,820 |
| Return on assets (ROA) | 1.5056% | 1,121 |
| Pretax return on assets | 1.5056% | 1,863 |
| Return on Equity (ROE) | 17.8497% | 520 |
| Retained earnings to average equity (ytd only) | 3.5033% | 4,406 |
| Net charge-offs to loans | 0.1203% | 4,171 |
| Credit loss provision to net charge-offs | 147.0588% | 1,931 |
| Earnings coverage of net charge-offs (x) | 13.7359% | 1,890 |
| Efficiency ratio | 78.5386% | 2,309 |
| Assets per employee ($millions) | 2.4613% | 6,732 |
| Cash dividends to net income (ytd only)* | 80.3735% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 6,256 |
| Loan loss allowance to noncurrent loans | 48.6339% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 4.5057% | 1,029 |
| Noncurrent loans to loans | 1.9478% | 2,901 |
| Net loans and leases to total assets | 75.6206% | 1,026 |
| Net loans and leases to deposits | 82.5004% | 2,058 |
| Net loans and leases to core deposits | 95.6449% | 1,437 |
| Total domestic deposits to total assets | 91.6609% | 253 |
| Equity capital to assets | 8.1177% | 6,531 |
| Core capital (leverage) ratio | 8.1965% | 6,149 |
| Tier 1 risk-based capital ratio | 10.1326% | 6,767 |
| Total risk-based capital ratio | 11.0509% | 6,827 |
| Memoranda: | ||
| Average total assets | $47,377,000 | 6,357 |
| Average earning assets | $42,276,500 | 6,365 |
| Average equity | $3,996,250 | 6,646 |
| Average total loans | $37,668,750 | 5,670 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2120% | 212 |
| Cost of funding earning assets | 0.4701% | 5,829 |
| Net interest margin | 5.7419% | 129 |
| Noninterest income to average assets | 1.1762% | 1,033 |
| Noninterest expense to average assets | 4.8802% | 414 |
| Loan and lease loss provision to assets | 0.2139% | 2,937 |
| Net operating income to assets | 1.2019% | 1,708 |
| Return on assets (ROA) | 1.7066% | 741 |
| Pretax return on assets | 1.7066% | 1,238 |
| Return on Equity (ROE) | 19.9683% | 360 |
| Retained earnings to average equity (ytd only) | 7.4568% | 1,896 |
| Net charge-offs to loans | 0.1857% | 3,468 |
| Credit loss provision to net charge-offs | 142.8571% | 1,932 |
| Earnings coverage of net charge-offs (x) | 9.4571% | 2,164 |
| Efficiency ratio | 77.5136% | 2,521 |
| Assets per employee ($millions) | 2.4312% | 6,812 |
| Cash dividends to net income (ytd only)* | 62.6566% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9282% | 6,386 |
| Loan loss allowance to noncurrent loans | 37.2899% | 5,794 |
| Noncurrent assets plus other real estate owned to assets | 4.6696% | 1,041 |
| Noncurrent loans to loans | 2.4890% | 2,421 |
| Net loans and leases to total assets | 82.0337% | 335 |
| Net loans and leases to deposits | 92.2554% | 922 |
| Net loans and leases to core deposits | 104.4431% | 827 |
| Total domestic deposits to total assets | 88.9202% | 1,559 |
| Equity capital to assets | 8.7288% | 5,994 |
| Core capital (leverage) ratio | 8.5201% | 5,628 |
| Tier 1 risk-based capital ratio | 11.1582% | 6,426 |
| Total risk-based capital ratio | 12.1555% | 6,525 |
| Memoranda: | ||
| Average total assets | $46,760,670 | 6,418 |
| Average earning assets | $41,693,670 | 6,420 |
| Average equity | $3,996,330 | 6,680 |
| Average total loans | $37,698,000 | 5,696 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9808% | 313 |
| Cost of funding earning assets | 0.4528% | 6,131 |
| Net interest margin | 5.5280% | 174 |
| Noninterest income to average assets | 1.1989% | 996 |
| Noninterest expense to average assets | 4.7954% | 420 |
| Loan and lease loss provision to assets | 0.1700% | 3,271 |
| Net operating income to assets | 1.2159% | 1,690 |
| Return on assets (ROA) | 1.2159% | 1,873 |
| Pretax return on assets | 1.2159% | 2,853 |
| Return on Equity (ROE) | 14.3773% | 1,112 |
| Retained earnings to average equity (ytd only) | 0.7038% | 5,778 |
| Net charge-offs to loans | 0.4275% | 2,028 |
| Credit loss provision to net charge-offs | 50.0000% | 3,277 |
| Earnings coverage of net charge-offs (x) | 4.0750% | 2,668 |
| Efficiency ratio | 77.5791% | 2,554 |
| Assets per employee ($millions) | 2.5699% | 6,777 |
| Cash dividends to net income (ytd only)* | 95.1049% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8346% | 6,679 |
| Loan loss allowance to noncurrent loans | 33.6134% | 5,990 |
| Noncurrent assets plus other real estate owned to assets | 4.4175% | 1,222 |
| Noncurrent loans to loans | 2.4830% | 2,628 |
| Net loans and leases to total assets | 77.8656% | 607 |
| Net loans and leases to deposits | 95.5878% | 567 |
| Net loans and leases to core deposits | 106.3614% | 660 |
| Total domestic deposits to total assets | 81.4598% | 5,478 |
| Equity capital to assets | 8.1816% | 6,376 |
| Core capital (leverage) ratio | 8.1390% | 6,105 |
| Tier 1 risk-based capital ratio | 10.3316% | 6,785 |
| Total risk-based capital ratio | 11.1951% | 6,892 |
| Memoranda: | ||
| Average total assets | $47,045,000 | 6,458 |
| Average earning assets | $42,402,500 | 6,443 |
| Average equity | $3,978,500 | 6,721 |
| Average total loans | $37,423,000 | 5,759 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9059% | 511 |
| Cost of funding earning assets | 0.4881% | 6,581 |
| Net interest margin | 5.4178% | 201 |
| Noninterest income to average assets | 1.4707% | 600 |
| Noninterest expense to average assets | 5.1233% | 353 |
| Loan and lease loss provision to assets | 0.0414% | 6,059 |
| Net operating income to assets | 1.1347% | 1,706 |
| Return on assets (ROA) | 1.2083% | 1,598 |
| Pretax return on assets | 1.2083% | 2,434 |
| Return on Equity (ROE) | 13.7212% | 1,010 |
| Retained earnings to average equity (ytd only) | 4.4169% | 3,030 |
| Net charge-offs to loans | 0.0649% | 5,654 |
| Credit loss provision to net charge-offs | 81.8182% | 4,371 |
| Earnings coverage of net charge-offs (x) | 23.2273% | 1,032 |
| Efficiency ratio | 81.3299% | 2,115 |
| Assets per employee ($millions) | 2.2631% | 7,042 |
| Cash dividends to net income (ytd only)* | 67.8095% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9314% | 6,458 |
| Loan loss allowance to noncurrent loans | 16.9407% | 6,700 |
| Noncurrent assets plus other real estate owned to assets | 4.8342% | 1,118 |
| Noncurrent loans to loans | 5.4979% | 962 |
| Net loans and leases to total assets | 79.9032% | 504 |
| Net loans and leases to deposits | 93.9521% | 816 |
| Net loans and leases to core deposits | 105.0331% | 841 |
| Total domestic deposits to total assets | 85.0467% | 3,816 |
| Equity capital to assets | 8.7537% | 5,847 |
| Core capital (leverage) ratio | 8.7194% | 5,219 |
| Tier 1 risk-based capital ratio | 11.4423% | 6,198 |
| Total risk-based capital ratio | 12.4600% | 6,320 |
| Memoranda: | ||
| Average total assets | $43,448,800 | 6,556 |
| Average earning assets | $38,724,000 | 6,574 |
| Average equity | $3,826,200 | 6,798 |
| Average total loans | $33,919,600 | 5,955 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8722% | 593 |
| Cost of funding earning assets | 0.4929% | 6,725 |
| Net interest margin | 5.3793% | 215 |
| Noninterest income to average assets | 1.3706% | 694 |
| Noninterest expense to average assets | 5.1074% | 341 |
| Loan and lease loss provision to assets | 0.0341% | 6,012 |
| Net operating income to assets | 1.0016% | 2,315 |
| Return on assets (ROA) | 1.1009% | 2,109 |
| Pretax return on assets | 1.1009% | 3,006 |
| Return on Equity (ROE) | 12.4812% | 1,420 |
| Retained earnings to average equity (ytd only) | 4.9575% | 3,198 |
| Net charge-offs to loans | 0.1082% | 4,918 |
| Credit loss provision to net charge-offs | 40.7407% | 5,225 |
| Earnings coverage of net charge-offs (x) | 12.3700% | 1,714 |
| Efficiency ratio | 83.1398% | 1,834 |
| Assets per employee ($millions) | 2.2319% | 7,121 |
| Cash dividends to net income (ytd only)* | 60.2827% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9322% | 6,505 |
| Loan loss allowance to noncurrent loans | 22.5120% | 6,600 |
| Noncurrent assets plus other real estate owned to assets | 3.7771% | 1,643 |
| Noncurrent loans to loans | 4.1409% | 1,592 |
| Net loans and leases to total assets | 78.0922% | 700 |
| Net loans and leases to deposits | 90.2169% | 1,191 |
| Net loans and leases to core deposits | 99.8396% | 1,258 |
| Total domestic deposits to total assets | 86.5605% | 2,903 |
| Equity capital to assets | 8.8402% | 5,935 |
| Core capital (leverage) ratio | 8.7497% | 5,338 |
| Tier 1 risk-based capital ratio | 11.6730% | 6,124 |
| Total risk-based capital ratio | 12.6819% | 6,275 |
| Memoranda: | ||
| Average total assets | $42,995,750 | 6,627 |
| Average earning assets | $38,145,000 | 6,654 |
| Average equity | $3,792,250 | 6,860 |
| Average total loans | $33,273,250 | 6,055 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8641% | 630 |
| Cost of funding earning assets | 0.5016% | 6,845 |
| Net interest margin | 5.3625% | 221 |
| Noninterest income to average assets | 1.4559% | 602 |
| Noninterest expense to average assets | 5.3099% | 295 |
| Loan and lease loss provision to assets | 0.0518% | 5,665 |
| Net operating income to assets | 0.8292% | 2,946 |
| Return on assets (ROA) | 0.8292% | 3,059 |
| Pretax return on assets | 0.8292% | 3,913 |
| Return on Equity (ROE) | 9.4092% | 2,341 |
| Retained earnings to average equity (ytd only) | 3.6889% | 3,871 |
| Net charge-offs to loans | 0.1410% | 4,351 |
| Credit loss provision to net charge-offs | 47.8261% | 4,638 |
| Earnings coverage of net charge-offs (x) | 8.1304% | 2,112 |
| Efficiency ratio | 85.7686% | 1,626 |
| Assets per employee ($millions) | 2.1345% | 7,220 |
| Cash dividends to net income (ytd only)* | 60.7955% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 6,265 |
| Loan loss allowance to noncurrent loans | 23.3803% | 6,602 |
| Noncurrent assets plus other real estate owned to assets | 3.9775% | 1,616 |
| Noncurrent loans to loans | 4.3482% | 1,549 |
| Net loans and leases to total assets | 75.7203% | 1,119 |
| Net loans and leases to deposits | 86.9209% | 1,659 |
| Net loans and leases to core deposits | 95.4300% | 1,737 |
| Total domestic deposits to total assets | 87.1141% | 2,676 |
| Equity capital to assets | 9.0115% | 5,563 |
| Core capital (leverage) ratio | 8.7106% | 5,214 |
| Tier 1 risk-based capital ratio | 12.4394% | 5,405 |
| Total risk-based capital ratio | 13.5487% | 5,500 |
| Memoranda: | ||
| Average total assets | $42,448,670 | 6,702 |
| Average earning assets | $37,482,330 | 6,744 |
| Average equity | $3,741,000 | 6,916 |
| Average total loans | $32,635,670 | 6,156 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9644% | 508 |
| Cost of funding earning assets | 0.5024% | 6,960 |
| Net interest margin | 5.4620% | 177 |
| Noninterest income to average assets | 1.0206% | 1,267 |
| Noninterest expense to average assets | 5.3393% | 285 |
| Loan and lease loss provision to assets | 0.1040% | 4,709 |
| Net operating income to assets | 0.4064% | 4,918 |
| Return on assets (ROA) | 0.4064% | 5,006 |
| Pretax return on assets | 0.4064% | 5,321 |
| Return on Equity (ROE) | 4.6638% | 4,574 |
| Retained earnings to average equity (ytd only) | -3.2538% | 6,329 |
| Net charge-offs to loans | 0.0981% | 3,965 |
| Credit loss provision to net charge-offs | 137.5000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 6.7500% | 2,053 |
| Efficiency ratio | 91.2763% | 1,220 |
| Assets per employee ($millions) | 2.1308% | 7,289 |
| Cash dividends to net income (ytd only)* | 169.7674% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0626% | 6,183 |
| Loan loss allowance to noncurrent loans | 23.0565% | 6,644 |
| Noncurrent assets plus other real estate owned to assets | 4.1746% | 1,579 |
| Noncurrent loans to loans | 4.6086% | 1,502 |
| Net loans and leases to total assets | 75.8160% | 1,053 |
| Net loans and leases to deposits | 83.0630% | 2,180 |
| Net loans and leases to core deposits | 92.0248% | 2,127 |
| Total domestic deposits to total assets | 91.2754% | 497 |
| Equity capital to assets | 8.6448% | 5,723 |
| Core capital (leverage) ratio | 8.4689% | 5,517 |
| Tier 1 risk-based capital ratio | 12.0139% | 5,681 |
| Total risk-based capital ratio | 13.1643% | 5,758 |
| Memoranda: | ||
| Average total assets | $42,328,000 | 6,748 |
| Average earning assets | $37,422,000 | 6,790 |
| Average equity | $3,688,000 | 6,960 |
| Average total loans | $32,625,000 | 6,205 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9540% | 935 |
| Cost of funding earning assets | 0.6405% | 7,029 |
| Net interest margin | 5.3135% | 237 |
| Noninterest income to average assets | 1.5343% | 622 |
| Noninterest expense to average assets | 5.3278% | 332 |
| Loan and lease loss provision to assets | 0.3693% | 3,911 |
| Net operating income to assets | 0.5084% | 4,056 |
| Return on assets (ROA) | 0.6771% | 3,448 |
| Pretax return on assets | 0.6771% | 4,056 |
| Return on Equity (ROE) | 7.9259% | 2,726 |
| Retained earnings to average equity (ytd only) | 1.9748% | 4,480 |
| Net charge-offs to loans | 0.5085% | 3,583 |
| Credit loss provision to net charge-offs | 97.0060% | 4,787 |
| Earnings coverage of net charge-offs (x) | 2.3054% | 3,996 |
| Efficiency ratio | 85.8560% | 1,711 |
| Assets per employee ($millions) | 2.1021% | 7,366 |
| Cash dividends to net income (ytd only)* | 75.0842% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 6,126 |
| Loan loss allowance to noncurrent loans | 22.7664% | 6,707 |
| Noncurrent assets plus other real estate owned to assets | 4.6336% | 1,437 |
| Noncurrent loans to loans | 4.6358% | 1,508 |
| Net loans and leases to total assets | 76.7108% | 1,141 |
| Net loans and leases to deposits | 84.1795% | 2,425 |
| Net loans and leases to core deposits | 92.5846% | 2,431 |
| Total domestic deposits to total assets | 91.1277% | 544 |
| Equity capital to assets | 8.7819% | 5,461 |
| Core capital (leverage) ratio | 8.5040% | 5,354 |
| Tier 1 risk-based capital ratio | 11.9392% | 5,531 |
| Total risk-based capital ratio | 13.0632% | 5,632 |
| Memoranda: | ||
| Average total assets | $43,864,400 | 6,739 |
| Average earning assets | $38,562,000 | 6,775 |
| Average equity | $3,747,200 | 7,074 |
| Average total loans | $32,839,600 | 6,266 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9469% | 1,040 |
| Cost of funding earning assets | 0.6615% | 7,153 |
| Net interest margin | 5.2854% | 250 |
| Noninterest income to average assets | 1.6155% | 539 |
| Noninterest expense to average assets | 5.1503% | 334 |
| Loan and lease loss provision to assets | 0.5595% | 2,711 |
| Net operating income to assets | 0.5445% | 4,114 |
| Return on assets (ROA) | 0.6197% | 3,961 |
| Pretax return on assets | 0.6197% | 4,533 |
| Return on Equity (ROE) | 7.3028% | 3,204 |
| Retained earnings to average equity (ytd only) | 0.7091% | 5,518 |
| Net charge-offs to loans | 0.5917% | 2,967 |
| Credit loss provision to net charge-offs | 127.3973% | 3,197 |
| Earnings coverage of net charge-offs (x) | 2.5137% | 3,909 |
| Efficiency ratio | 82.3473% | 2,026 |
| Assets per employee ($millions) | 2.2318% | 7,359 |
| Cash dividends to net income (ytd only)* | 90.2898% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 5,424 |
| Loan loss allowance to noncurrent loans | 26.4986% | 6,546 |
| Noncurrent assets plus other real estate owned to assets | 5.0159% | 1,282 |
| Noncurrent loans to loans | 4.5769% | 1,567 |
| Net loans and leases to total assets | 74.7200% | 1,635 |
| Net loans and leases to deposits | 82.1451% | 3,080 |
| Net loans and leases to core deposits | 90.2784% | 3,059 |
| Total domestic deposits to total assets | 90.9610% | 466 |
| Equity capital to assets | 8.9848% | 5,601 |
| Core capital (leverage) ratio | 8.2828% | 5,905 |
| Tier 1 risk-based capital ratio | 11.9181% | 5,536 |
| Total risk-based capital ratio | 13.1690% | 5,512 |
| Memoranda: | ||
| Average total assets | $44,320,250 | 6,807 |
| Average earning assets | $38,899,000 | 6,838 |
| Average equity | $3,761,000 | 7,162 |
| Average total loans | $32,901,000 | 6,342 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8351% | 1,332 |
| Cost of funding earning assets | 0.8611% | 6,726 |
| Net interest margin | 4.9740% | 445 |
| Noninterest income to average assets | 1.5125% | 564 |
| Noninterest expense to average assets | 4.6576% | 492 |
| Loan and lease loss provision to assets | 0.7829% | 1,839 |
| Net operating income to assets | 0.4404% | 4,583 |
| Return on assets (ROA) | 0.5516% | 4,225 |
| Pretax return on assets | 0.5516% | 4,734 |
| Return on Equity (ROE) | 6.6227% | 3,479 |
| Retained earnings to average equity (ytd only) | -1.9227% | 6,133 |
| Net charge-offs to loans | 0.6752% | 2,529 |
| Credit loss provision to net charge-offs | 157.1429% | 2,510 |
| Earnings coverage of net charge-offs (x) | 2.4554% | 3,766 |
| Efficiency ratio | 79.1982% | 2,547 |
| Assets per employee ($millions) | 2.1645% | 7,467 |
| Cash dividends to net income (ytd only)* | 129.0323% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 5,163 |
| Loan loss allowance to noncurrent loans | 24.1662% | 6,728 |
| Noncurrent assets plus other real estate owned to assets | 5.2230% | 1,210 |
| Noncurrent loans to loans | 5.1848% | 1,319 |
| Net loans and leases to total assets | 75.1900% | 1,653 |
| Net loans and leases to deposits | 83.4397% | 2,986 |
| Net loans and leases to core deposits | 92.5582% | 2,911 |
| Total domestic deposits to total assets | 90.1130% | 863 |
| Equity capital to assets | 8.6673% | 5,920 |
| Core capital (leverage) ratio | 8.0447% | 6,210 |
| Tier 1 risk-based capital ratio | 11.4894% | 5,781 |
| Total risk-based capital ratio | 12.7367% | 5,754 |
| Memoranda: | ||
| Average total assets | $44,958,670 | 6,834 |
| Average earning assets | $39,485,330 | 6,869 |
| Average equity | $3,744,670 | 7,197 |
| Average total loans | $33,176,670 | 6,375 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9474% | 1,083 |
| Cost of funding earning assets | 0.6451% | 7,454 |
| Net interest margin | 5.3022% | 244 |
| Noninterest income to average assets | 1.7382% | 426 |
| Noninterest expense to average assets | 4.7954% | 438 |
| Loan and lease loss provision to assets | 1.5373% | 757 |
| Net operating income to assets | 0.0000% | 6,281 |
| Return on assets (ROA) | 0.0000% | 6,392 |
| Pretax return on assets | 0.0000% | 6,350 |
| Return on Equity (ROE) | 0.0000% | 6,399 |
| Retained earnings to average equity (ytd only) | -10.1577% | 6,977 |
| Net charge-offs to loans | 0.8533% | 1,834 |
| Credit loss provision to net charge-offs | 247.8873% | 1,561 |
| Earnings coverage of net charge-offs (x) | 2.4789% | 3,302 |
| Efficiency ratio | 75.7241% | 3,264 |
| Assets per employee ($millions) | 2.2660% | 7,488 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 4,513 |
| Loan loss allowance to noncurrent loans | 23.8070% | 6,807 |
| Noncurrent assets plus other real estate owned to assets | 5.5207% | 1,117 |
| Noncurrent loans to loans | 5.8020% | 1,156 |
| Net loans and leases to total assets | 71.5225% | 2,565 |
| Net loans and leases to deposits | 83.9850% | 2,947 |
| Net loans and leases to core deposits | 92.8848% | 2,993 |
| Total domestic deposits to total assets | 85.1611% | 3,576 |
| Equity capital to assets | 8.1156% | 6,526 |
| Core capital (leverage) ratio | 7.9183% | 6,359 |
| Tier 1 risk-based capital ratio | 11.6741% | 5,509 |
| Total risk-based capital ratio | 12.9285% | 5,462 |
| Memoranda: | ||
| Average total assets | $45,793,500 | 6,883 |
| Average earning assets | $39,681,500 | 6,940 |
| Average equity | $3,741,000 | 7,271 |
| Average total loans | $33,284,000 | 6,449 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4034% | 821 |
| Cost of funding earning assets | 0.7918% | 7,569 |
| Net interest margin | 5.6116% | 167 |
| Noninterest income to average assets | 1.5673% | 582 |
| Noninterest expense to average assets | 5.1169% | 481 |
| Loan and lease loss provision to assets | 0.3179% | 4,911 |
| Net operating income to assets | 0.9978% | 1,851 |
| Return on assets (ROA) | 1.0397% | 1,749 |
| Pretax return on assets | 1.0397% | 2,458 |
| Return on Equity (ROE) | 12.7760% | 1,008 |
| Retained earnings to average equity (ytd only) | 2.5226% | 3,383 |
| Net charge-offs to loans | 0.3675% | 4,383 |
| Credit loss provision to net charge-offs | 119.0083% | 4,517 |
| Earnings coverage of net charge-offs (x) | 4.9256% | 2,749 |
| Efficiency ratio | 79.5470% | 2,950 |
| Assets per employee ($millions) | 2.3134% | 7,458 |
| Cash dividends to net income (ytd only)* | 80.2548% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0356% | 6,194 |
| Loan loss allowance to noncurrent loans | 50.5797% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 3.1880% | 2,159 |
| Noncurrent loans to loans | 2.0475% | 3,593 |
| Net loans and leases to total assets | 72.0838% | 2,739 |
| Net loans and leases to deposits | 84.6150% | 3,159 |
| Net loans and leases to core deposits | 109.1864% | 2,983 |
| Total domestic deposits to total assets | 85.1903% | 3,462 |
| Equity capital to assets | 8.2218% | 6,316 |
| Core capital (leverage) ratio | 8.1368% | 5,935 |
| Tier 1 risk-based capital ratio | 11.4054% | 5,503 |
| Total risk-based capital ratio | 12.5083% | 5,608 |
| Memoranda: | ||
| Average total assets | $45,301,000 | 6,902 |
| Average earning assets | $39,275,800 | 6,968 |
| Average equity | $3,686,600 | 7,393 |
| Average total loans | $32,921,200 | 6,471 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4694% | 802 |
| Cost of funding earning assets | 0.8446% | 7,633 |
| Net interest margin | 5.6248% | 156 |
| Noninterest income to average assets | 1.6038% | 573 |
| Noninterest expense to average assets | 5.1042% | 453 |
| Loan and lease loss provision to assets | 0.3225% | 4,406 |
| Net operating income to assets | 1.0445% | 1,921 |
| Return on assets (ROA) | 1.1007% | 1,785 |
| Pretax return on assets | 1.1007% | 2,566 |
| Return on Equity (ROE) | 13.5618% | 1,004 |
| Retained earnings to average equity (ytd only) | 4.0468% | 3,014 |
| Net charge-offs to loans | 0.1915% | 4,866 |
| Credit loss provision to net charge-offs | 231.9149% | 1,884 |
| Earnings coverage of net charge-offs (x) | 9.8289% | 2,053 |
| Efficiency ratio | 78.8752% | 3,015 |
| Assets per employee ($millions) | 2.2390% | 7,570 |
| Cash dividends to net income (ytd only)* | 70.1607% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 5,367 |
| Loan loss allowance to noncurrent loans | 54.1899% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 3.3787% | 1,985 |
| Noncurrent loans to loans | 2.1373% | 3,464 |
| Net loans and leases to total assets | 73.9437% | 2,540 |
| Net loans and leases to deposits | 89.5815% | 2,657 |
| Net loans and leases to core deposits | 116.8013% | 2,541 |
| Total domestic deposits to total assets | 82.5435% | 4,422 |
| Equity capital to assets | 8.3698% | 6,418 |
| Core capital (leverage) ratio | 8.1137% | 6,166 |
| Tier 1 risk-based capital ratio | 11.6960% | 5,250 |
| Total risk-based capital ratio | 12.9475% | 5,195 |
| Memoranda: | ||
| Average total assets | $45,059,500 | 6,959 |
| Average earning assets | $38,992,750 | 7,034 |
| Average equity | $3,657,250 | 7,461 |
| Average total loans | $32,726,500 | 6,528 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4906% | 841 |
| Cost of funding earning assets | 0.9023% | 7,692 |
| Net interest margin | 5.5883% | 165 |
| Noninterest income to average assets | 1.4130% | 752 |
| Noninterest expense to average assets | 5.0185% | 507 |
| Loan and lease loss provision to assets | 0.2436% | 4,633 |
| Net operating income to assets | 0.9789% | 2,182 |
| Return on assets (ROA) | 1.0631% | 1,977 |
| Pretax return on assets | 1.0631% | 2,760 |
| Return on Equity (ROE) | 13.2341% | 1,138 |
| Retained earnings to average equity (ytd only) | 5.0731% | 2,469 |
| Net charge-offs to loans | 0.2895% | 3,744 |
| Credit loss provision to net charge-offs | 117.0213% | 3,971 |
| Earnings coverage of net charge-offs (x) | 5.8723% | 2,739 |
| Efficiency ratio | 80.4116% | 2,976 |
| Assets per employee ($millions) | 2.2492% | 7,623 |
| Cash dividends to net income (ytd only)* | 61.6667% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0085% | 6,175 |
| Loan loss allowance to noncurrent loans | 36.4231% | 5,993 |
| Noncurrent assets plus other real estate owned to assets | 3.4880% | 1,782 |
| Noncurrent loans to loans | 2.7688% | 2,602 |
| Net loans and leases to total assets | 72.8831% | 2,981 |
| Net loans and leases to deposits | 87.0483% | 3,349 |
| Net loans and leases to core deposits | 112.5317% | 3,073 |
| Total domestic deposits to total assets | 83.7272% | 3,906 |
| Equity capital to assets | 8.3120% | 6,314 |
| Core capital (leverage) ratio | 8.0817% | 6,193 |
| Tier 1 risk-based capital ratio | 11.9390% | 4,968 |
| Total risk-based capital ratio | 13.0412% | 5,025 |
| Memoranda: | ||
| Average total assets | $45,152,670 | 7,012 |
| Average earning assets | $39,010,000 | 7,092 |
| Average equity | $3,627,000 | 7,530 |
| Average total loans | $32,468,670 | 6,591 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4848% | 897 |
| Cost of funding earning assets | 0.9470% | 7,753 |
| Net interest margin | 5.5378% | 166 |
| Noninterest income to average assets | 1.4324% | 685 |
| Noninterest expense to average assets | 5.2169% | 420 |
| Loan and lease loss provision to assets | 0.3979% | 2,939 |
| Net operating income to assets | 0.5747% | 4,122 |
| Return on assets (ROA) | 0.6543% | 3,962 |
| Pretax return on assets | 0.6543% | 4,578 |
| Return on Equity (ROE) | 8.2890% | 3,021 |
| Retained earnings to average equity (ytd only) | 0.3360% | 5,525 |
| Net charge-offs to loans | 0.5102% | 2,185 |
| Credit loss provision to net charge-offs | 109.7561% | 3,511 |
| Earnings coverage of net charge-offs (x) | 2.6829% | 3,417 |
| Efficiency ratio | 84.2857% | 2,273 |
| Assets per employee ($millions) | 2.2419% | 7,661 |
| Cash dividends to net income (ytd only)* | 95.9459% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 5,750 |
| Loan loss allowance to noncurrent loans | 32.7381% | 6,357 |
| Noncurrent assets plus other real estate owned to assets | 4.2464% | 1,172 |
| Noncurrent loans to loans | 3.2369% | 1,989 |
| Net loans and leases to total assets | 68.7163% | 3,970 |
| Net loans and leases to deposits | 82.7941% | 4,165 |
| Net loans and leases to core deposits | 108.9999% | 3,561 |
| Total domestic deposits to total assets | 82.9966% | 4,151 |
| Equity capital to assets | 7.9308% | 6,920 |
| Core capital (leverage) ratio | 7.7882% | 6,765 |
| Tier 1 risk-based capital ratio | 12.0852% | 4,891 |
| Total risk-based capital ratio | 13.2153% | 4,890 |
| Memoranda: | ||
| Average total assets | $45,237,500 | 7,058 |
| Average earning assets | $38,860,000 | 7,132 |
| Average equity | $3,571,000 | 7,599 |
| Average total loans | $32,143,500 | 6,636 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0657% | 979 |
| Cost of funding earning assets | 1.4000% | 7,737 |
| Net interest margin | 5.6657% | 159 |
| Noninterest income to average assets | 1.5448% | 592 |
| Noninterest expense to average assets | 5.2703% | 557 |
| Loan and lease loss provision to assets | 0.1377% | 5,597 |
| Net operating income to assets | 1.0880% | 2,194 |
| Return on assets (ROA) | 1.1202% | 1,984 |
| Pretax return on assets | 1.1202% | 2,958 |
| Return on Equity (ROE) | 13.9788% | 1,112 |
| Retained earnings to average equity (ytd only) | 7.3904% | 1,024 |
| Net charge-offs to loans | 0.0895% | 5,463 |
| Credit loss provision to net charge-offs | 206.8966% | 2,341 |
| Earnings coverage of net charge-offs (x) | 18.4138% | 1,706 |
| Efficiency ratio | 81.1307% | 2,424 |
| Assets per employee ($millions) | 2.8523% | 6,442 |
| Cash dividends to net income (ytd only)* | 47.1311% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9835% | 6,184 |
| Loan loss allowance to noncurrent loans | 33.7125% | 6,482 |
| Noncurrent assets plus other real estate owned to assets | 4.3868% | 877 |
| Noncurrent loans to loans | 2.9174% | 1,845 |
| Net loans and leases to total assets | 71.9153% | 3,607 |
| Net loans and leases to deposits | 82.9060% | 4,588 |
| Net loans and leases to core deposits | 108.3240% | 3,933 |
| Total domestic deposits to total assets | 86.7432% | 2,068 |
| Equity capital to assets | 7.8577% | 7,037 |
| Core capital (leverage) ratio | 8.2621% | 6,027 |
| Tier 1 risk-based capital ratio | 11.2943% | 5,448 |
| Total risk-based capital ratio | 12.3463% | 5,530 |
| Memoranda: | ||
| Average total assets | $43,565,200 | 7,050 |
| Average earning assets | $38,071,000 | 7,132 |
| Average equity | $3,491,000 | 7,687 |
| Average total loans | $32,387,400 | 6,587 |