Home > First Security Bank - West > Performance and Condition Ratios
First Security Bank - West, 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 | 3.9809% | 3,995 |
| Cost of funding earning assets | 0.5157% | 4,182 |
| Net interest margin | 3.4652% | 2,267 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.0542% | 3,507 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4970% | 1,023 |
| Return on assets (ROA) | 1.0760% | 1,961 |
| Pretax return on assets | 1.0760% | 2,482 |
| Return on Equity (ROE) | 12.0000% | 1,953 |
| Retained earnings to average equity (ytd only) | 12.0046% | 632 |
| Net charge-offs to loans | 4.7414% | 18 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.9049% | 2,789 |
| Efficiency ratio | 57.8443% | 3,309 |
| Assets per employee ($millions) | 7.8522% | 1,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8282% | 141 |
| Loan loss allowance to noncurrent loans | 83.6994% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 1.2240% | 349 |
| Noncurrent loans to loans | 3.3790% | 121 |
| Net loans and leases to total assets | 35.2000% | 4,178 |
| Net loans and leases to deposits | 39.2902% | 4,215 |
| Net loans and leases to core deposits | 39.5563% | 4,296 |
| Total domestic deposits to total assets | 89.5900% | 879 |
| Equity capital to assets | 10.2972% | 1,843 |
| Core capital (leverage) ratio | 12.9648% | 1,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.9361% | 243 |
| Memoranda: | ||
| Average total assets | $70,539,200 | 4,106 |
| Average earning assets | $67,874,400 | 4,057 |
| Average equity | $6,322,600 | 4,128 |
| Average total loans | $24,612,800 | 4,222 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8605% | 4,054 |
| Cost of funding earning assets | 0.4174% | 4,236 |
| Net interest margin | 3.4431% | 2,357 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.0102% | 3,574 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5355% | 1,055 |
| Return on assets (ROA) | 0.9247% | 2,587 |
| Pretax return on assets | 0.9247% | 3,048 |
| Return on Equity (ROE) | 10.7200% | 2,441 |
| Retained earnings to average equity (ytd only) | 10.7164% | 1,211 |
| Net charge-offs to loans | 6.1067% | 14 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.7276% | 2,558 |
| Efficiency ratio | 56.6933% | 3,337 |
| Assets per employee ($millions) | 7.1979% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2010% | 103 |
| Loan loss allowance to noncurrent loans | 81.4932% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.4680% | 256 |
| Noncurrent loans to loans | 3.9280% | 79 |
| Net loans and leases to total assets | 36.1800% | 4,176 |
| Net loans and leases to deposits | 40.0068% | 4,204 |
| Net loans and leases to core deposits | 40.2999% | 4,250 |
| Total domestic deposits to total assets | 90.4300% | 832 |
| Equity capital to assets | 9.4781% | 2,111 |
| Core capital (leverage) ratio | 12.4273% | 1,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2130% | 245 |
| Memoranda: | ||
| Average total assets | $70,506,500 | 4,123 |
| Average earning assets | $68,038,250 | 4,076 |
| Average equity | $6,084,000 | 4,160 |
| Average total loans | $24,366,250 | 4,242 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6828% | 4,157 |
| Cost of funding earning assets | 0.2981% | 4,319 |
| Net interest margin | 3.3847% | 2,560 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 1.9609% | 3,685 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5245% | 1,057 |
| Return on assets (ROA) | 0.6076% | 3,562 |
| Pretax return on assets | 0.6076% | 3,784 |
| Return on Equity (ROE) | 7.2500% | 3,424 |
| Retained earnings to average equity (ytd only) | 7.2543% | 2,208 |
| Net charge-offs to loans | 8.6412% | 8 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.5232% | 2,401 |
| Efficiency ratio | 56.2599% | 3,389 |
| Assets per employee ($millions) | 7.9966% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5376% | 88 |
| Loan loss allowance to noncurrent loans | 69.4929% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.6716% | 197 |
| Noncurrent loans to loans | 5.0906% | 47 |
| Net loans and leases to total assets | 31.6700% | 4,293 |
| Net loans and leases to deposits | 34.7521% | 4,319 |
| Net loans and leases to core deposits | 35.2497% | 4,341 |
| Total domestic deposits to total assets | 91.1400% | 610 |
| Equity capital to assets | 8.7982% | 2,662 |
| Core capital (leverage) ratio | 11.2661% | 1,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4756% | 268 |
| Memoranda: | ||
| Average total assets | $72,415,000 | 4,124 |
| Average earning assets | $69,784,667 | 4,078 |
| Average equity | $6,065,333 | 4,185 |
| Average total loans | $24,418,000 | 4,253 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2688% | 4,457 |
| Cost of funding earning assets | 0.2054% | 4,370 |
| Net interest margin | 3.0635% | 3,432 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 1.9879% | 3,658 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2170% | 1,891 |
| Return on assets (ROA) | -0.9747% | 4,611 |
| Pretax return on assets | -0.9747% | 4,601 |
| Return on Equity (ROE) | -11.9400% | 4,609 |
| Retained earnings to average equity (ytd only) | -11.9353% | 4,509 |
| Net charge-offs to loans | 17.0086% | 6 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.2095% | 2,006 |
| Efficiency ratio | 62.0275% | 2,696 |
| Assets per employee ($millions) | 8.2771% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5800% | 83 |
| Loan loss allowance to noncurrent loans | 48.2679% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 2.3250% | 87 |
| Noncurrent loans to loans | 7.4169% | 24 |
| Net loans and leases to total assets | 30.2300% | 4,362 |
| Net loans and leases to deposits | 33.0166% | 4,393 |
| Net loans and leases to core deposits | 33.4706% | 4,403 |
| Total domestic deposits to total assets | 91.5500% | 636 |
| Equity capital to assets | 8.4222% | 2,951 |
| Core capital (leverage) ratio | 10.9126% | 1,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3446% | 274 |
| Memoranda: | ||
| Average total assets | $72,638,000 | 4,178 |
| Average earning assets | $70,116,500 | 4,129 |
| Average equity | $5,932,000 | 4,249 |
| Average total loans | $24,811,000 | 4,311 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0657% | 4,053 |
| Cost of funding earning assets | 0.1022% | 4,385 |
| Net interest margin | 2.9635% | 3,537 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.2403% | 2,921 |
| Loan and lease loss provision to assets | 0.3700% | 191 |
| Net operating income to assets | 0.3448% | 4,323 |
| Return on assets (ROA) | 0.3194% | 4,316 |
| Pretax return on assets | 0.3194% | 4,363 |
| Return on Equity (ROE) | 3.5300% | 4,234 |
| Retained earnings to average equity (ytd only) | 3.5348% | 3,553 |
| Net charge-offs to loans | 0.0926% | 765 |
| Credit loss provision to net charge-offs | 1,000.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 19.4231% | 1,913 |
| Efficiency ratio | 75.9180% | 1,017 |
| Assets per employee ($millions) | 7.8647% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1983% | 15 |
| Loan loss allowance to noncurrent loans | 81.4034% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 3.2819% | 38 |
| Noncurrent loans to loans | 8.8428% | 18 |
| Net loans and leases to total assets | 34.4400% | 4,267 |
| Net loans and leases to deposits | 37.4106% | 4,311 |
| Net loans and leases to core deposits | 37.9505% | 4,333 |
| Total domestic deposits to total assets | 92.0700% | 623 |
| Equity capital to assets | 7.8975% | 3,119 |
| Core capital (leverage) ratio | 11.6130% | 1,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5354% | 252 |
| Memoranda: | ||
| Average total assets | $71,062,600 | 4,225 |
| Average earning assets | $64,586,400 | 4,211 |
| Average equity | $6,421,800 | 4,283 |
| Average total loans | $28,080,600 | 4,269 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9724% | 3,934 |
| Cost of funding earning assets | 0.1026% | 4,260 |
| Net interest margin | 2.8698% | 3,568 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.1874% | 2,968 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.5248% | 4,021 |
| Return on assets (ROA) | 0.4817% | 4,063 |
| Pretax return on assets | 0.4817% | 4,175 |
| Return on Equity (ROE) | 5.1700% | 3,952 |
| Retained earnings to average equity (ytd only) | 5.1685% | 3,040 |
| Net charge-offs to loans | 0.1262% | 505 |
| Credit loss provision to net charge-offs | 222.2222% | 933 |
| Earnings coverage of net charge-offs (x) | 12.5926% | 1,909 |
| Efficiency ratio | 77.4386% | 959 |
| Assets per employee ($millions) | 7.3761% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2590% | 24 |
| Loan loss allowance to noncurrent loans | 69.0924% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 3.6846% | 31 |
| Noncurrent loans to loans | 9.0589% | 21 |
| Net loans and leases to total assets | 38.1300% | 4,145 |
| Net loans and leases to deposits | 41.3342% | 4,199 |
| Net loans and leases to core deposits | 41.9689% | 4,224 |
| Total domestic deposits to total assets | 92.2400% | 799 |
| Equity capital to assets | 7.7005% | 3,087 |
| Core capital (leverage) ratio | 11.5135% | 1,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4927% | 258 |
| Memoranda: | ||
| Average total assets | $71,132,750 | 4,256 |
| Average earning assets | $63,650,500 | 4,252 |
| Average equity | $6,629,750 | 4,298 |
| Average total loans | $28,533,250 | 4,292 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7803% | 4,010 |
| Cost of funding earning assets | 0.1037% | 4,156 |
| Net interest margin | 2.6766% | 3,751 |
| Noninterest income to average assets | 0.2503% | 3,672 |
| Noninterest expense to average assets | 1.9693% | 3,515 |
| Loan and lease loss provision to assets | 0.1513% | 629 |
| Net operating income to assets | 0.4731% | 3,961 |
| Return on assets (ROA) | 0.3988% | 4,061 |
| Pretax return on assets | 0.3988% | 4,162 |
| Return on Equity (ROE) | 4.0641% | 4,020 |
| Retained earnings to average equity (ytd only) | 4.0641% | 3,058 |
| Net charge-offs to loans | 0.1722% | 372 |
| Credit loss provision to net charge-offs | 220.0000% | 927 |
| Earnings coverage of net charge-offs (x) | 9.0800% | 1,801 |
| Efficiency ratio | 75.9279% | 1,297 |
| Assets per employee ($millions) | 8.1339% | 1,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2040% | 26 |
| Loan loss allowance to noncurrent loans | 62.9008% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 3.6637% | 33 |
| Noncurrent loans to loans | 9.8632% | 15 |
| Net loans and leases to total assets | 34.8405% | 4,294 |
| Net loans and leases to deposits | 38.0552% | 4,333 |
| Net loans and leases to core deposits | 38.5884% | 4,366 |
| Total domestic deposits to total assets | 91.5525% | 1,015 |
| Equity capital to assets | 8.4202% | 2,822 |
| Core capital (leverage) ratio | 10.9530% | 1,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9164% | 294 |
| Memoranda: | ||
| Average total assets | $72,715,333 | 4,285 |
| Average earning assets | $63,662,000 | 4,308 |
| Average equity | $7,135,667 | 4,302 |
| Average total loans | $29,044,000 | 4,337 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6797% | 3,983 |
| Cost of funding earning assets | 0.1011% | 4,118 |
| Net interest margin | 2.5786% | 3,711 |
| Noninterest income to average assets | 0.3312% | 3,116 |
| Noninterest expense to average assets | 1.9153% | 3,647 |
| Loan and lease loss provision to assets | 0.0828% | 992 |
| Net operating income to assets | 0.5851% | 3,443 |
| Return on assets (ROA) | 0.5409% | 3,558 |
| Pretax return on assets | 0.5409% | 3,783 |
| Return on Equity (ROE) | 5.1433% | 3,583 |
| Retained earnings to average equity (ytd only) | 5.1433% | 2,538 |
| Net charge-offs to loans | 0.1335% | 425 |
| Credit loss provision to net charge-offs | 150.0000% | 860 |
| Earnings coverage of net charge-offs (x) | 12.1000% | 1,424 |
| Efficiency ratio | 74.1453% | 1,726 |
| Assets per employee ($millions) | 8.1913% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6706% | 33 |
| Loan loss allowance to noncurrent loans | 78.7678% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 2.8621% | 69 |
| Noncurrent loans to loans | 7.1992% | 30 |
| Net loans and leases to total assets | 37.5017% | 4,138 |
| Net loans and leases to deposits | 41.3945% | 4,183 |
| Net loans and leases to core deposits | 41.9746% | 4,238 |
| Total domestic deposits to total assets | 90.5958% | 1,246 |
| Equity capital to assets | 9.3907% | 2,371 |
| Core capital (leverage) ratio | 11.2087% | 1,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8766% | 334 |
| Memoranda: | ||
| Average total assets | $72,470,500 | 4,313 |
| Average earning assets | $63,291,000 | 4,334 |
| Average equity | $7,621,500 | 4,303 |
| Average total loans | $29,970,000 | 4,328 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5375% | 2,549 |
| Cost of funding earning assets | 0.1230% | 4,199 |
| Net interest margin | 3.4145% | 1,977 |
| Noninterest income to average assets | 0.1765% | 4,273 |
| Noninterest expense to average assets | 2.1568% | 3,213 |
| Loan and lease loss provision to assets | 1.4852% | 15 |
| Net operating income to assets | -0.5558% | 4,769 |
| Return on assets (ROA) | -0.4992% | 4,767 |
| Pretax return on assets | -0.4992% | 4,763 |
| Return on Equity (ROE) | -4.1903% | 4,768 |
| Retained earnings to average equity (ytd only) | -4.1903% | 4,688 |
| Net charge-offs to loans | 0.0585% | 1,199 |
| Credit loss provision to net charge-offs | 5,128.5714% | 144 |
| Earnings coverage of net charge-offs (x) | 32.0952% | 1,559 |
| Efficiency ratio | 69.8838% | 1,747 |
| Assets per employee ($millions) | 7.9132% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4096% | 34 |
| Loan loss allowance to noncurrent loans | 83.1827% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 2.7970% | 84 |
| Noncurrent loans to loans | 6.5032% | 42 |
| Net loans and leases to total assets | 40.6830% | 4,051 |
| Net loans and leases to deposits | 46.0709% | 4,088 |
| Net loans and leases to core deposits | 46.7571% | 4,155 |
| Total domestic deposits to total assets | 88.3051% | 1,870 |
| Equity capital to assets | 11.6823% | 1,404 |
| Core capital (leverage) ratio | 11.6569% | 1,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2950% | 337 |
| Memoranda: | ||
| Average total assets | $72,514,600 | 4,310 |
| Average earning assets | $61,795,000 | 4,366 |
| Average equity | $8,639,000 | 4,274 |
| Average total loans | $35,888,600 | 4,274 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6137% | 2,518 |
| Cost of funding earning assets | 0.1285% | 4,274 |
| Net interest margin | 3.4852% | 1,914 |
| Noninterest income to average assets | 0.1647% | 4,378 |
| Noninterest expense to average assets | 2.0264% | 3,595 |
| Loan and lease loss provision to assets | 1.9440% | 9 |
| Net operating income to assets | -0.8768% | 4,856 |
| Return on assets (ROA) | -0.8256% | 4,855 |
| Pretax return on assets | -0.8256% | 4,851 |
| Return on Equity (ROE) | -6.8968% | 4,865 |
| Retained earnings to average equity (ytd only) | -6.8968% | 4,816 |
| Net charge-offs to loans | 0.0717% | 934 |
| Credit loss provision to net charge-offs | 5,310.0000% | 149 |
| Earnings coverage of net charge-offs (x) | 29.1500% | 1,541 |
| Efficiency ratio | 65.5030% | 2,173 |
| Assets per employee ($millions) | 7.5577% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2640% | 32 |
| Loan loss allowance to noncurrent loans | 80.3816% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 3.0050% | 84 |
| Noncurrent loans to loans | 6.5488% | 48 |
| Net loans and leases to total assets | 43.4717% | 3,994 |
| Net loans and leases to deposits | 49.5484% | 4,027 |
| Net loans and leases to core deposits | 50.3242% | 4,119 |
| Total domestic deposits to total assets | 87.7358% | 1,986 |
| Equity capital to assets | 12.2422% | 1,291 |
| Core capital (leverage) ratio | 11.3650% | 1,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5616% | 397 |
| Memoranda: | ||
| Average total assets | $72,838,500 | 4,359 |
| Average earning assets | $61,209,250 | 4,431 |
| Average equity | $8,718,750 | 4,329 |
| Average total loans | $37,203,000 | 4,304 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7160% | 2,291 |
| Cost of funding earning assets | 0.1392% | 4,286 |
| Net interest margin | 3.5768% | 1,646 |
| Noninterest income to average assets | 0.2042% | 4,181 |
| Noninterest expense to average assets | 1.9988% | 3,700 |
| Loan and lease loss provision to assets | 2.8128% | 5 |
| Net operating income to assets | -1.6388% | 4,916 |
| Return on assets (ROA) | -1.5877% | 4,916 |
| Pretax return on assets | -1.5877% | 4,911 |
| Return on Equity (ROE) | -13.3569% | 4,926 |
| Retained earnings to average equity (ytd only) | -13.3569% | 4,894 |
| Net charge-offs to loans | 0.1020% | 729 |
| Credit loss provision to net charge-offs | 5,235.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 21.8500% | 1,498 |
| Efficiency ratio | 62.9975% | 2,573 |
| Assets per employee ($millions) | 8.1580% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0484% | 37 |
| Loan loss allowance to noncurrent loans | 79.8822% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 2.7757% | 108 |
| Noncurrent loans to loans | 6.3198% | 55 |
| Net loans and leases to total assets | 41.7041% | 4,200 |
| Net loans and leases to deposits | 47.0202% | 4,269 |
| Net loans and leases to core deposits | 47.6932% | 4,339 |
| Total domestic deposits to total assets | 88.6941% | 1,457 |
| Equity capital to assets | 11.2854% | 1,762 |
| Core capital (leverage) ratio | 10.1321% | 2,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7628% | 497 |
| Memoranda: | ||
| Average total assets | $74,445,000 | 4,367 |
| Average earning assets | $61,787,000 | 4,450 |
| Average equity | $8,849,333 | 4,339 |
| Average total loans | $39,200,000 | 4,298 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8656% | 1,920 |
| Cost of funding earning assets | 0.1434% | 4,350 |
| Net interest margin | 3.7222% | 1,285 |
| Noninterest income to average assets | 0.2241% | 4,041 |
| Noninterest expense to average assets | 1.7984% | 4,218 |
| Loan and lease loss provision to assets | 0.0800% | 1,616 |
| Net operating income to assets | 1.5316% | 1,262 |
| Return on assets (ROA) | 1.6329% | 1,105 |
| Pretax return on assets | 1.6329% | 1,641 |
| Return on Equity (ROE) | 13.4049% | 1,569 |
| Retained earnings to average equity (ytd only) | 13.4049% | 834 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7387% | 3,936 |
| Assets per employee ($millions) | 8.6827% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4908% | 1,640 |
| Loan loss allowance to noncurrent loans | 66.1654% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.1914% | 628 |
| Noncurrent loans to loans | 2.2532% | 442 |
| Net loans and leases to total assets | 52.0872% | 3,438 |
| Net loans and leases to deposits | 59.0558% | 3,557 |
| Net loans and leases to core deposits | 59.8512% | 3,711 |
| Total domestic deposits to total assets | 88.2000% | 1,739 |
| Equity capital to assets | 11.7834% | 1,398 |
| Core capital (leverage) ratio | 11.9872% | 1,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0299% | 581 |
| Memoranda: | ||
| Average total assets | $74,956,500 | 4,378 |
| Average earning assets | $64,155,500 | 4,433 |
| Average equity | $9,131,000 | 4,321 |
| Average total loans | $42,676,000 | 4,243 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9233% | 2,965 |
| Cost of funding earning assets | 0.1488% | 4,731 |
| Net interest margin | 3.7745% | 1,574 |
| Noninterest income to average assets | 0.2048% | 4,245 |
| Noninterest expense to average assets | 2.1639% | 3,771 |
| Loan and lease loss provision to assets | 0.0732% | 3,472 |
| Net operating income to assets | 1.4938% | 823 |
| Return on assets (ROA) | 1.4938% | 901 |
| Pretax return on assets | 1.4938% | 1,349 |
| Return on Equity (ROE) | 11.6766% | 1,422 |
| Retained earnings to average equity (ytd only) | 7.7882% | 1,120 |
| Net charge-offs to loans | 0.0617% | 1,896 |
| Credit loss provision to net charge-offs | 200.0000% | 2,161 |
| Earnings coverage of net charge-offs (x) | 42.8400% | 1,327 |
| Efficiency ratio | 58.0000% | 3,724 |
| Assets per employee ($millions) | 6.5245% | 1,903 |
| Cash dividends to net income (ytd only)* | 33.3007% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3649% | 2,123 |
| Loan loss allowance to noncurrent loans | 142.0804% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.5894% | 1,785 |
| Noncurrent loans to loans | 0.9606% | 1,474 |
| Net loans and leases to total assets | 60.5164% | 2,789 |
| Net loans and leases to deposits | 69.2695% | 2,956 |
| Net loans and leases to core deposits | 69.7311% | 3,270 |
| Total domestic deposits to total assets | 87.3636% | 1,760 |
| Equity capital to assets | 12.6155% | 1,266 |
| Core capital (leverage) ratio | 11.2580% | 1,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8564% | 1,296 |
| Memoranda: | ||
| Average total assets | $68,348,600 | 4,409 |
| Average earning assets | $63,849,600 | 4,388 |
| Average equity | $8,744,000 | 4,342 |
| Average total loans | $40,487,200 | 4,299 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0303% | 2,889 |
| Cost of funding earning assets | 0.1515% | 4,799 |
| Net interest margin | 3.8789% | 1,409 |
| Noninterest income to average assets | 0.1995% | 4,281 |
| Noninterest expense to average assets | 2.0940% | 3,962 |
| Loan and lease loss provision to assets | 0.0696% | 3,458 |
| Net operating income to assets | 1.6791% | 605 |
| Return on assets (ROA) | 1.6811% | 667 |
| Pretax return on assets | 1.6811% | 1,002 |
| Return on Equity (ROE) | 13.0922% | 1,079 |
| Retained earnings to average equity (ytd only) | 13.0922% | 321 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4987% | 4,099 |
| Assets per employee ($millions) | 6.1173% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3680% | 1,884 |
| Loan loss allowance to noncurrent loans | 151.2376% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.5504% | 2,066 |
| Noncurrent loans to loans | 0.9046% | 1,651 |
| Net loans and leases to total assets | 60.0106% | 3,228 |
| Net loans and leases to deposits | 68.6885% | 3,414 |
| Net loans and leases to core deposits | 69.1337% | 3,690 |
| Total domestic deposits to total assets | 87.3663% | 1,517 |
| Equity capital to assets | 12.5928% | 1,379 |
| Core capital (leverage) ratio | 12.1933% | 1,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0175% | 1,245 |
| Memoranda: | ||
| Average total assets | $67,493,500 | 4,430 |
| Average earning assets | $63,384,250 | 4,408 |
| Average equity | $8,666,500 | 4,369 |
| Average total loans | $39,600,750 | 4,343 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1453% | 2,922 |
| Cost of funding earning assets | 0.1587% | 4,860 |
| Net interest margin | 3.9866% | 1,359 |
| Noninterest income to average assets | 0.2137% | 4,210 |
| Noninterest expense to average assets | 2.1855% | 3,836 |
| Loan and lease loss provision to assets | 0.5891% | 543 |
| Net operating income to assets | 1.1965% | 1,648 |
| Return on assets (ROA) | 1.2118% | 1,730 |
| Pretax return on assets | 1.2118% | 2,328 |
| Return on Equity (ROE) | 9.3698% | 2,215 |
| Retained earnings to average equity (ytd only) | 9.3698% | 920 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0346% | 4,057 |
| Assets per employee ($millions) | 5.6516% | 2,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9355% | 491 |
| Loan loss allowance to noncurrent loans | 1,281.6667% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 4,089 |
| Noncurrent loans to loans | 0.1510% | 3,852 |
| Net loans and leases to total assets | 57.4500% | 3,557 |
| Net loans and leases to deposits | 66.0339% | 3,720 |
| Net loans and leases to core deposits | 66.4994% | 3,954 |
| Total domestic deposits to total assets | 87.0007% | 1,618 |
| Equity capital to assets | 12.9536% | 1,186 |
| Core capital (leverage) ratio | 11.7364% | 1,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0524% | 1,047 |
| Memoranda: | ||
| Average total assets | $65,522,333 | 4,465 |
| Average earning assets | $61,756,333 | 4,442 |
| Average equity | $8,474,000 | 4,411 |
| Average total loans | $37,913,333 | 4,389 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1255% | 3,450 |
| Cost of funding earning assets | 0.1977% | 4,896 |
| Net interest margin | 3.9278% | 1,586 |
| Noninterest income to average assets | 0.2548% | 4,022 |
| Noninterest expense to average assets | 1.9884% | 4,415 |
| Loan and lease loss provision to assets | 0.0497% | 3,155 |
| Net operating income to assets | 1.9200% | 319 |
| Return on assets (ROA) | 1.9200% | 351 |
| Pretax return on assets | 1.9200% | 549 |
| Return on Equity (ROE) | 14.8584% | 565 |
| Retained earnings to average equity (ytd only) | 14.8584% | 202 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2355% | 4,655 |
| Assets per employee ($millions) | 5.6331% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 1,174 |
| Loan loss allowance to noncurrent loans | 1,766.6667% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 4,355 |
| Noncurrent loans to loans | 0.0881% | 4,158 |
| Net loans and leases to total assets | 54.5690% | 3,940 |
| Net loans and leases to deposits | 62.4114% | 4,078 |
| Net loans and leases to core deposits | 62.8474% | 4,240 |
| Total domestic deposits to total assets | 87.4344% | 1,365 |
| Equity capital to assets | 12.5479% | 1,702 |
| Core capital (leverage) ratio | 12.4429% | 1,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8060% | 1,008 |
| Memoranda: | ||
| Average total assets | $64,374,000 | 4,492 |
| Average earning assets | $60,695,500 | 4,469 |
| Average equity | $8,318,500 | 4,452 |
| Average total loans | $37,004,500 | 4,432 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9542% | 4,341 |
| Cost of funding earning assets | 0.2423% | 4,869 |
| Net interest margin | 3.7119% | 2,780 |
| Noninterest income to average assets | 0.2586% | 4,129 |
| Noninterest expense to average assets | 2.1289% | 4,309 |
| Loan and lease loss provision to assets | 0.0385% | 3,244 |
| Net operating income to assets | 1.5578% | 924 |
| Return on assets (ROA) | 1.5563% | 985 |
| Pretax return on assets | 1.5563% | 1,632 |
| Return on Equity (ROE) | 11.7133% | 1,615 |
| Retained earnings to average equity (ytd only) | -10.9950% | 5,075 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1488% | 4,070 |
| Assets per employee ($millions) | 5.0959% | 2,459 |
| Cash dividends to net income (ytd only)* | 193.8675% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5764% | 1,031 |
| Loan loss allowance to noncurrent loans | 1,920.0000% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 4,388 |
| Noncurrent loans to loans | 0.0821% | 4,194 |
| Net loans and leases to total assets | 58.8102% | 3,689 |
| Net loans and leases to deposits | 67.8765% | 3,827 |
| Net loans and leases to core deposits | 68.4058% | 4,058 |
| Total domestic deposits to total assets | 86.6429% | 1,784 |
| Equity capital to assets | 13.3358% | 1,348 |
| Core capital (leverage) ratio | 12.0816% | 1,728 |
| Tier 1 risk-based capital ratio | 17.8264% | 1,806 |
| Total risk-based capital ratio | 19.1427% | 1,737 |
| Memoranda: | ||
| Average total assets | $64,962,000 | 4,522 |
| Average earning assets | $60,670,400 | 4,499 |
| Average equity | $8,631,200 | 4,429 |
| Average total loans | $38,192,000 | 4,445 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9233% | 4,502 |
| Cost of funding earning assets | 0.2406% | 4,948 |
| Net interest margin | 3.6827% | 2,983 |
| Noninterest income to average assets | 0.2670% | 4,143 |
| Noninterest expense to average assets | 2.0066% | 4,535 |
| Loan and lease loss provision to assets | 0.0465% | 2,968 |
| Net operating income to assets | 1.6506% | 828 |
| Return on assets (ROA) | 1.6506% | 870 |
| Pretax return on assets | 1.6506% | 1,469 |
| Return on Equity (ROE) | 12.4336% | 1,471 |
| Retained earnings to average equity (ytd only) | -11.3366% | 5,159 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1780% | 4,375 |
| Assets per employee ($millions) | 5.9775% | 1,621 |
| Cash dividends to net income (ytd only)* | 191.1771% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4572% | 1,372 |
| Loan loss allowance to noncurrent loans | 94.7107% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.9201% | 1,473 |
| Noncurrent loans to loans | 1.5386% | 974 |
| Net loans and leases to total assets | 58.9305% | 3,777 |
| Net loans and leases to deposits | 67.6171% | 3,947 |
| Net loans and leases to core deposits | 68.0924% | 4,171 |
| Total domestic deposits to total assets | 87.1532% | 1,446 |
| Equity capital to assets | 12.7981% | 1,734 |
| Core capital (leverage) ratio | 12.2087% | 1,726 |
| Tier 1 risk-based capital ratio | 17.0503% | 2,070 |
| Total risk-based capital ratio | 18.3478% | 2,010 |
| Memoranda: | ||
| Average total assets | $65,914,750 | 4,558 |
| Average earning assets | $61,511,500 | 4,542 |
| Average equity | $8,750,250 | 4,463 |
| Average total loans | $38,605,250 | 4,490 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8383% | 4,654 |
| Cost of funding earning assets | 0.2141% | 5,045 |
| Net interest margin | 3.6241% | 3,180 |
| Noninterest income to average assets | 0.2607% | 4,194 |
| Noninterest expense to average assets | 2.0404% | 4,532 |
| Loan and lease loss provision to assets | 0.0455% | 2,908 |
| Net operating income to assets | 1.5613% | 989 |
| Return on assets (ROA) | 1.5613% | 1,032 |
| Pretax return on assets | 1.5613% | 1,663 |
| Return on Equity (ROE) | 11.6227% | 1,730 |
| Retained earnings to average equity (ytd only) | -1.0156% | 4,826 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9435% | 4,249 |
| Assets per employee ($millions) | 5.7616% | 1,728 |
| Cash dividends to net income (ytd only)* | 108.7379% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5152% | 1,224 |
| Loan loss allowance to noncurrent loans | 251.5556% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.3550% | 3,115 |
| Noncurrent loans to loans | 0.6023% | 2,461 |
| Net loans and leases to total assets | 58.0470% | 3,909 |
| Net loans and leases to deposits | 68.1707% | 3,959 |
| Net loans and leases to core deposits | 68.6798% | 4,179 |
| Total domestic deposits to total assets | 85.1494% | 2,412 |
| Equity capital to assets | 14.3267% | 1,004 |
| Core capital (leverage) ratio | 13.3486% | 1,171 |
| Tier 1 risk-based capital ratio | 19.2760% | 1,491 |
| Total risk-based capital ratio | 20.5812% | 1,446 |
| Memoranda: | ||
| Average total assets | $65,969,000 | 4,588 |
| Average earning assets | $61,642,330 | 4,576 |
| Average equity | $8,862,000 | 4,457 |
| Average total loans | $38,366,670 | 4,537 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7055% | 4,842 |
| Cost of funding earning assets | 0.2232% | 5,058 |
| Net interest margin | 3.4823% | 3,645 |
| Noninterest income to average assets | 0.2676% | 4,084 |
| Noninterest expense to average assets | 1.8910% | 4,813 |
| Loan and lease loss provision to assets | 0.0476% | 2,697 |
| Net operating income to assets | 1.5759% | 943 |
| Return on assets (ROA) | 1.5759% | 970 |
| Pretax return on assets | 1.5759% | 1,528 |
| Return on Equity (ROE) | 12.1101% | 1,496 |
| Retained earnings to average equity (ytd only) | -13.4811% | 5,182 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8071% | 4,549 |
| Assets per employee ($millions) | 6.0991% | 1,471 |
| Cash dividends to net income (ytd only)* | 211.3208% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 1,445 |
| Loan loss allowance to noncurrent loans | 179.1667% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.4650% | 2,750 |
| Noncurrent loans to loans | 0.8192% | 2,008 |
| Net loans and leases to total assets | 55.9368% | 4,065 |
| Net loans and leases to deposits | 64.2801% | 4,163 |
| Net loans and leases to core deposits | 64.7235% | 4,344 |
| Total domestic deposits to total assets | 87.0204% | 1,802 |
| Equity capital to assets | 12.9602% | 1,478 |
| Core capital (leverage) ratio | 12.6286% | 1,443 |
| Tier 1 risk-based capital ratio | 18.0390% | 1,786 |
| Total risk-based capital ratio | 19.3013% | 1,742 |
| Memoranda: | ||
| Average total assets | $67,264,500 | 4,614 |
| Average earning assets | $62,718,000 | 4,599 |
| Average equity | $8,753,000 | 4,505 |
| Average total loans | $38,872,500 | 4,573 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6551% | 4,732 |
| Cost of funding earning assets | 0.1702% | 5,113 |
| Net interest margin | 3.4849% | 3,754 |
| Noninterest income to average assets | 0.2114% | 4,642 |
| Noninterest expense to average assets | 1.9450% | 4,831 |
| Loan and lease loss provision to assets | 0.0437% | 3,308 |
| Net operating income to assets | 1.4770% | 1,181 |
| Return on assets (ROA) | 1.4799% | 1,161 |
| Pretax return on assets | 1.4799% | 1,843 |
| Return on Equity (ROE) | 11.4581% | 1,914 |
| Retained earnings to average equity (ytd only) | 1.8626% | 4,403 |
| Net charge-offs to loans | -0.0102% | 4,495 |
| Credit loss provision to net charge-offs | -750.0000% | 4,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1212% | 4,390 |
| Assets per employee ($millions) | 6.1308% | 1,433 |
| Cash dividends to net income (ytd only)* | 83.7438% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3894% | 1,683 |
| Loan loss allowance to noncurrent loans | 176.6026% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.4626% | 2,713 |
| Noncurrent loans to loans | 0.7867% | 2,043 |
| Net loans and leases to total assets | 57.9887% | 3,964 |
| Net loans and leases to deposits | 66.7161% | 4,062 |
| Net loans and leases to core deposits | 67.1745% | 4,288 |
| Total domestic deposits to total assets | 86.9185% | 1,812 |
| Equity capital to assets | 13.0651% | 1,318 |
| Core capital (leverage) ratio | 12.6522% | 1,391 |
| Tier 1 risk-based capital ratio | 18.2107% | 1,692 |
| Total risk-based capital ratio | 19.4163% | 1,658 |
| Memoranda: | ||
| Average total assets | $68,584,600 | 4,606 |
| Average earning assets | $64,047,600 | 4,591 |
| Average equity | $8,858,400 | 4,474 |
| Average total loans | $39,206,400 | 4,577 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5801% | 4,834 |
| Cost of funding earning assets | 0.1222% | 5,300 |
| Net interest margin | 3.4579% | 3,841 |
| Noninterest income to average assets | 0.2033% | 4,748 |
| Noninterest expense to average assets | 1.8488% | 4,979 |
| Loan and lease loss provision to assets | 0.0445% | 3,100 |
| Net operating income to assets | 1.5429% | 1,084 |
| Return on assets (ROA) | 1.5468% | 1,075 |
| Pretax return on assets | 1.5468% | 1,740 |
| Return on Equity (ROE) | 12.0099% | 1,788 |
| Retained earnings to average equity (ytd only) | 5.9975% | 2,659 |
| Net charge-offs to loans | -0.0136% | 4,484 |
| Credit loss provision to net charge-offs | -575.0000% | 4,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8028% | 4,626 |
| Assets per employee ($millions) | 6.3245% | 1,274 |
| Cash dividends to net income (ytd only)* | 50.0624% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 2,144 |
| Loan loss allowance to noncurrent loans | 167.3846% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.4672% | 2,817 |
| Noncurrent loans to loans | 0.7704% | 2,160 |
| Net loans and leases to total assets | 59.8548% | 3,858 |
| Net loans and leases to deposits | 75.6298% | 3,444 |
| Net loans and leases to core deposits | 75.6298% | 3,831 |
| Total domestic deposits to total assets | 79.1419% | 4,294 |
| Equity capital to assets | 12.8662% | 1,393 |
| Core capital (leverage) ratio | 12.9723% | 1,293 |
| Tier 1 risk-based capital ratio | 17.6945% | 1,872 |
| Total risk-based capital ratio | 18.8291% | 1,869 |
| Memoranda: | ||
| Average total assets | $68,871,000 | 4,645 |
| Average earning assets | $64,391,250 | 4,633 |
| Average equity | $8,870,250 | 4,521 |
| Average total loans | $39,093,500 | 4,627 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4256% | 5,007 |
| Cost of funding earning assets | 0.1063% | 5,390 |
| Net interest margin | 3.3194% | 4,194 |
| Noninterest income to average assets | 0.1923% | 4,862 |
| Noninterest expense to average assets | 1.8736% | 4,997 |
| Loan and lease loss provision to assets | 0.0437% | 3,020 |
| Net operating income to assets | 1.3695% | 1,539 |
| Return on assets (ROA) | 1.3724% | 1,531 |
| Pretax return on assets | 1.3724% | 2,252 |
| Return on Equity (ROE) | 10.6525% | 2,255 |
| Retained earnings to average equity (ytd only) | 1.6058% | 4,607 |
| Net charge-offs to loans | -0.0210% | 4,590 |
| Credit loss provision to net charge-offs | -375.0000% | 4,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0035% | 4,361 |
| Assets per employee ($millions) | 6.1172% | 1,390 |
| Cash dividends to net income (ytd only)* | 84.9257% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 1,866 |
| Loan loss allowance to noncurrent loans | 164.9231% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.4830% | 2,832 |
| Noncurrent loans to loans | 0.8296% | 2,066 |
| Net loans and leases to total assets | 57.4254% | 4,044 |
| Net loans and leases to deposits | 66.0282% | 4,161 |
| Net loans and leases to core deposits | 66.0282% | 4,368 |
| Total domestic deposits to total assets | 86.9711% | 1,852 |
| Equity capital to assets | 13.0051% | 1,287 |
| Core capital (leverage) ratio | 14.3521% | 815 |
| Tier 1 risk-based capital ratio | 18.2715% | 1,735 |
| Total risk-based capital ratio | 19.4839% | 1,697 |
| Memoranda: | ||
| Average total assets | $68,637,670 | 4,700 |
| Average earning assets | $63,988,330 | 4,692 |
| Average equity | $8,843,000 | 4,556 |
| Average total loans | $38,062,670 | 4,700 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3335% | 5,091 |
| Cost of funding earning assets | 0.1051% | 5,449 |
| Net interest margin | 3.2284% | 4,377 |
| Noninterest income to average assets | 0.1616% | 5,055 |
| Noninterest expense to average assets | 1.8294% | 5,125 |
| Loan and lease loss provision to assets | 0.0462% | 2,841 |
| Net operating income to assets | 1.2985% | 1,643 |
| Return on assets (ROA) | 1.3042% | 1,636 |
| Pretax return on assets | 1.3042% | 2,348 |
| Return on Equity (ROE) | 10.1699% | 2,346 |
| Retained earnings to average equity (ytd only) | 10.1699% | 1,111 |
| Net charge-offs to loans | -0.0320% | 4,771 |
| Credit loss provision to net charge-offs | -266.6667% | 3,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6364% | 4,394 |
| Assets per employee ($millions) | 6.2537% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 1,741 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 52.9459% | 4,374 |
| Net loans and leases to deposits | 60.8412% | 4,415 |
| Net loans and leases to core deposits | 60.8412% | 4,616 |
| Total domestic deposits to total assets | 87.0230% | 2,108 |
| Equity capital to assets | 12.9595% | 1,268 |
| Core capital (leverage) ratio | 12.6760% | 1,304 |
| Tier 1 risk-based capital ratio | 19.1825% | 1,512 |
| Total risk-based capital ratio | 20.4107% | 1,471 |
| Memoranda: | ||
| Average total assets | $69,312,000 | 4,747 |
| Average earning assets | $64,676,500 | 4,737 |
| Average equity | $8,889,000 | 4,598 |
| Average total loans | $37,505,500 | 4,764 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2213% | 5,166 |
| Cost of funding earning assets | 0.1443% | 5,293 |
| Net interest margin | 3.0769% | 4,735 |
| Noninterest income to average assets | 0.3346% | 4,073 |
| Noninterest expense to average assets | 2.0747% | 4,825 |
| Loan and lease loss provision to assets | 0.0429% | 3,388 |
| Net operating income to assets | 1.0824% | 1,925 |
| Return on assets (ROA) | 1.0795% | 1,955 |
| Pretax return on assets | 1.0795% | 3,264 |
| Return on Equity (ROE) | 8.5514% | 2,517 |
| Retained earnings to average equity (ytd only) | -8.4381% | 5,509 |
| Net charge-offs to loans | 0.0160% | 3,557 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 131.1667% | 519 |
| Efficiency ratio | 64.8347% | 3,476 |
| Assets per employee ($millions) | 6.9833% | 977 |
| Cash dividends to net income (ytd only)* | 198.6755% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 1,938 |
| Loan loss allowance to noncurrent loans | 51,700.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 5,196 |
| Noncurrent loans to loans | 0.0026% | 5,058 |
| Net loans and leases to total assets | 53.7640% | 4,385 |
| Net loans and leases to deposits | 63.1539% | 4,371 |
| Net loans and leases to core deposits | 63.1539% | 4,589 |
| Total domestic deposits to total assets | 85.1317% | 2,786 |
| Equity capital to assets | 12.6917% | 1,414 |
| Core capital (leverage) ratio | 11.7799% | 1,744 |
| Tier 1 risk-based capital ratio | 18.5306% | 1,644 |
| Total risk-based capital ratio | 19.7202% | 1,611 |
| Memoranda: | ||
| Average total assets | $69,938,800 | 4,777 |
| Average earning assets | $65,129,600 | 4,761 |
| Average equity | $8,829,000 | 4,641 |
| Average total loans | $37,509,600 | 4,806 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1129% | 5,322 |
| Cost of funding earning assets | 0.1268% | 5,444 |
| Net interest margin | 2.9861% | 4,949 |
| Noninterest income to average assets | 0.3392% | 4,110 |
| Noninterest expense to average assets | 1.9990% | 4,957 |
| Loan and lease loss provision to assets | 0.0438% | 3,227 |
| Net operating income to assets | 1.0786% | 2,186 |
| Return on assets (ROA) | 1.0748% | 2,254 |
| Pretax return on assets | 1.0748% | 3,404 |
| Return on Equity (ROE) | 8.5254% | 2,860 |
| Retained earnings to average equity (ytd only) | -14.1485% | 5,657 |
| Net charge-offs to loans | 0.0250% | 2,945 |
| Credit loss provision to net charge-offs | 328.5714% | 913 |
| Earnings coverage of net charge-offs (x) | 84.1704% | 784 |
| Efficiency ratio | 64.0415% | 3,536 |
| Assets per employee ($millions) | 6.4333% | 1,223 |
| Cash dividends to net income (ytd only)* | 265.9579% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 2,209 |
| Loan loss allowance to noncurrent loans | 74.7430% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 0.9623% | 1,769 |
| Noncurrent loans to loans | 1.7778% | 1,013 |
| Net loans and leases to total assets | 53.4098% | 4,466 |
| Net loans and leases to deposits | 68.1820% | 4,099 |
| Net loans and leases to core deposits | 68.1820% | 4,354 |
| Total domestic deposits to total assets | 78.3342% | 4,663 |
| Equity capital to assets | 12.4452% | 1,683 |
| Core capital (leverage) ratio | 11.7651% | 1,840 |
| Tier 1 risk-based capital ratio | 18.0186% | 1,847 |
| Total risk-based capital ratio | 19.1823% | 1,825 |
| Memoranda: | ||
| Average total assets | $69,965,250 | 4,827 |
| Average earning assets | $65,188,750 | 4,806 |
| Average equity | $8,820,500 | 4,691 |
| Average total loans | $37,371,500 | 4,858 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0524% | 5,396 |
| Cost of funding earning assets | 0.0987% | 5,602 |
| Net interest margin | 2.9538% | 4,996 |
| Noninterest income to average assets | 0.2066% | 5,011 |
| Noninterest expense to average assets | 2.0431% | 4,891 |
| Loan and lease loss provision to assets | 0.0430% | 3,137 |
| Net operating income to assets | 0.8695% | 3,077 |
| Return on assets (ROA) | 0.8666% | 3,146 |
| Pretax return on assets | 0.8666% | 4,053 |
| Return on Equity (ROE) | 6.8442% | 3,642 |
| Retained earnings to average equity (ytd only) | -27.1501% | 5,740 |
| Net charge-offs to loans | -0.0108% | 4,565 |
| Credit loss provision to net charge-offs | -750.0000% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1262% | 2,824 |
| Assets per employee ($millions) | 6.4107% | 1,202 |
| Cash dividends to net income (ytd only)* | 496.6887% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3397% | 2,232 |
| Loan loss allowance to noncurrent loans | 309.0909% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.4283% | 3,395 |
| Noncurrent loans to loans | 0.4334% | 3,462 |
| Net loans and leases to total assets | 53.2602% | 4,463 |
| Net loans and leases to deposits | 62.1554% | 4,495 |
| Net loans and leases to core deposits | 62.1554% | 4,707 |
| Total domestic deposits to total assets | 85.6888% | 2,525 |
| Equity capital to assets | 12.1501% | 1,830 |
| Core capital (leverage) ratio | 11.4784% | 1,980 |
| Tier 1 risk-based capital ratio | 17.5240% | 2,002 |
| Total risk-based capital ratio | 18.6885% | 1,981 |
| Memoranda: | ||
| Average total assets | $69,698,330 | 4,868 |
| Average earning assets | $64,866,330 | 4,851 |
| Average equity | $8,825,000 | 4,715 |
| Average total loans | $37,060,330 | 4,897 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0133% | 5,447 |
| Cost of funding earning assets | 0.0936% | 5,679 |
| Net interest margin | 2.9198% | 5,049 |
| Noninterest income to average assets | 0.2367% | 4,846 |
| Noninterest expense to average assets | 1.9339% | 5,176 |
| Loan and lease loss provision to assets | 0.0462% | 2,882 |
| Net operating income to assets | 0.9583% | 2,487 |
| Return on assets (ROA) | 0.9525% | 2,572 |
| Pretax return on assets | 0.9525% | 3,578 |
| Return on Equity (ROE) | 7.3714% | 3,224 |
| Retained earnings to average equity (ytd only) | -59.6415% | 5,830 |
| Net charge-offs to loans | -0.0109% | 4,468 |
| Credit loss provision to net charge-offs | -800.0000% | 4,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8153% | 3,531 |
| Assets per employee ($millions) | 8.7114% | 467 |
| Cash dividends to net income (ytd only)* | 909.0909% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 2,082 |
| Loan loss allowance to noncurrent loans | 201.6064% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.5854% | 2,895 |
| Noncurrent loans to loans | 0.6937% | 2,765 |
| Net loans and leases to total assets | 50.7856% | 4,605 |
| Net loans and leases to deposits | 57.6865% | 4,724 |
| Net loans and leases to core deposits | 57.6865% | 4,895 |
| Total domestic deposits to total assets | 88.0372% | 1,695 |
| Equity capital to assets | 11.9312% | 1,891 |
| Core capital (leverage) ratio | 11.4423% | 1,992 |
| Tier 1 risk-based capital ratio | 18.3606% | 1,773 |
| Total risk-based capital ratio | 19.5761% | 1,741 |
| Memoranda: | ||
| Average total assets | $69,288,500 | 4,929 |
| Average earning assets | $64,115,000 | 4,913 |
| Average equity | $8,953,500 | 4,726 |
| Average total loans | $36,556,500 | 4,957 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4716% | 4,841 |
| Cost of funding earning assets | 0.1068% | 5,673 |
| Net interest margin | 3.3647% | 3,941 |
| Noninterest income to average assets | 0.2432% | 4,971 |
| Noninterest expense to average assets | 1.8539% | 5,421 |
| Loan and lease loss provision to assets | 0.0429% | 3,525 |
| Net operating income to assets | 1.5006% | 828 |
| Return on assets (ROA) | 1.8997% | 391 |
| Pretax return on assets | 1.8997% | 621 |
| Return on Equity (ROE) | 14.1040% | 757 |
| Retained earnings to average equity (ytd only) | 14.1040% | 124 |
| Net charge-offs to loans | -0.0058% | 4,834 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5684% | 5,192 |
| Assets per employee ($millions) | 6.2624% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 2,403 |
| Loan loss allowance to noncurrent loans | 62.3262% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 1.3951% | 1,227 |
| Noncurrent loans to loans | 2.1253% | 821 |
| Net loans and leases to total assets | 53.3127% | 4,499 |
| Net loans and leases to deposits | 61.9737% | 4,549 |
| Net loans and leases to core deposits | 61.9737% | 4,753 |
| Total domestic deposits to total assets | 86.0247% | 2,571 |
| Equity capital to assets | 13.9245% | 913 |
| Core capital (leverage) ratio | 13.5418% | 960 |
| Tier 1 risk-based capital ratio | 20.8338% | 1,242 |
| Total risk-based capital ratio | 21.9911% | 1,225 |
| Memoranda: | ||
| Average total assets | $69,907,200 | 4,934 |
| Average earning assets | $65,532,600 | 4,903 |
| Average equity | $9,415,800 | 4,670 |
| Average total loans | $34,210,000 | 5,062 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4084% | 5,015 |
| Cost of funding earning assets | 0.1073% | 5,739 |
| Net interest margin | 3.3011% | 4,185 |
| Noninterest income to average assets | 0.2755% | 4,801 |
| Noninterest expense to average assets | 1.7084% | 5,603 |
| Loan and lease loss provision to assets | 0.0437% | 3,356 |
| Net operating income to assets | 1.6210% | 700 |
| Return on assets (ROA) | 1.5259% | 884 |
| Pretax return on assets | 1.5259% | 1,630 |
| Return on Equity (ROE) | 11.4241% | 1,514 |
| Retained earnings to average equity (ytd only) | 11.4241% | 369 |
| Net charge-offs to loans | -0.0040% | 4,573 |
| Credit loss provision to net charge-offs | -2,300.0000% | 5,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6479% | 5,459 |
| Assets per employee ($millions) | 6.0249% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 2,340 |
| Loan loss allowance to noncurrent loans | 850.8772% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.3878% | 3,870 |
| Noncurrent loans to loans | 0.1611% | 4,709 |
| Net loans and leases to total assets | 52.6692% | 4,596 |
| Net loans and leases to deposits | 63.3147% | 4,537 |
| Net loans and leases to core deposits | 63.3147% | 4,757 |
| Total domestic deposits to total assets | 83.1865% | 3,520 |
| Equity capital to assets | 14.8007% | 789 |
| Core capital (leverage) ratio | 12.5934% | 1,362 |
| Tier 1 risk-based capital ratio | 19.4794% | 1,556 |
| Total risk-based capital ratio | 20.5953% | 1,548 |
| Memoranda: | ||
| Average total assets | $70,162,500 | 4,971 |
| Average earning assets | $65,834,750 | 4,938 |
| Average equity | $9,371,750 | 4,726 |
| Average total loans | $33,458,000 | 5,137 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3492% | 5,188 |
| Cost of funding earning assets | 0.1013% | 5,849 |
| Net interest margin | 3.2478% | 4,389 |
| Noninterest income to average assets | 0.2603% | 4,920 |
| Noninterest expense to average assets | 1.6373% | 5,733 |
| Loan and lease loss provision to assets | 0.0420% | 3,307 |
| Net operating income to assets | 1.6317% | 669 |
| Return on assets (ROA) | 1.5449% | 860 |
| Pretax return on assets | 1.5449% | 1,542 |
| Return on Equity (ROE) | 11.9662% | 1,338 |
| Retained earnings to average equity (ytd only) | 11.9662% | 332 |
| Net charge-offs to loans | -0.0061% | 4,576 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4505% | 5,594 |
| Assets per employee ($millions) | 6.3562% | 1,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 2,742 |
| Loan loss allowance to noncurrent loans | 6,814.2857% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 4,280 |
| Noncurrent loans to loans | 0.0192% | 5,399 |
| Net loans and leases to total assets | 51.4932% | 4,718 |
| Net loans and leases to deposits | 63.0459% | 4,567 |
| Net loans and leases to core deposits | 63.0459% | 4,808 |
| Total domestic deposits to total assets | 81.6757% | 4,098 |
| Equity capital to assets | 13.6960% | 1,142 |
| Core capital (leverage) ratio | 12.0746% | 1,575 |
| Tier 1 risk-based capital ratio | 18.2558% | 1,861 |
| Total risk-based capital ratio | 19.3068% | 1,882 |
| Memoranda: | ||
| Average total assets | $71,458,670 | 4,997 |
| Average earning assets | $67,121,330 | 4,956 |
| Average equity | $9,226,000 | 4,797 |
| Average total loans | $32,813,670 | 5,205 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4040% | 5,118 |
| Cost of funding earning assets | 0.1066% | 5,888 |
| Net interest margin | 3.2974% | 4,230 |
| Noninterest income to average assets | 0.2658% | 4,834 |
| Noninterest expense to average assets | 1.6669% | 5,775 |
| Loan and lease loss provision to assets | 0.0388% | 3,132 |
| Net operating income to assets | 1.6448% | 645 |
| Return on assets (ROA) | 1.5506% | 819 |
| Pretax return on assets | 1.5506% | 1,434 |
| Return on Equity (ROE) | 12.3743% | 1,195 |
| Retained earnings to average equity (ytd only) | 12.3743% | 450 |
| Net charge-offs to loans | -0.0129% | 4,641 |
| Credit loss provision to net charge-offs | -700.0000% | 4,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7521% | 5,645 |
| Assets per employee ($millions) | 6.5213% | 1,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 2,010 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 4,378 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 42.9782% | 5,300 |
| Net loans and leases to deposits | 49.2846% | 5,374 |
| Net loans and leases to core deposits | 49.2846% | 5,469 |
| Total domestic deposits to total assets | 87.2041% | 2,100 |
| Equity capital to assets | 12.7555% | 1,533 |
| Core capital (leverage) ratio | 11.5172% | 1,959 |
| Tier 1 risk-based capital ratio | 19.6468% | 1,581 |
| Total risk-based capital ratio | 20.7986% | 1,573 |
| Memoranda: | ||
| Average total assets | $72,229,000 | 5,016 |
| Average earning assets | $67,567,500 | 4,990 |
| Average equity | $9,051,000 | 4,854 |
| Average total loans | $30,980,500 | 5,310 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6089% | 4,650 |
| Cost of funding earning assets | 0.1117% | 5,918 |
| Net interest margin | 3.4972% | 3,532 |
| Noninterest income to average assets | 0.2621% | 5,013 |
| Noninterest expense to average assets | 1.8176% | 5,716 |
| Loan and lease loss provision to assets | 0.0541% | 3,234 |
| Net operating income to assets | 1.6452% | 641 |
| Return on assets (ROA) | 1.5427% | 819 |
| Pretax return on assets | 1.5427% | 1,427 |
| Return on Equity (ROE) | 11.5985% | 1,412 |
| Retained earnings to average equity (ytd only) | 1.9599% | 4,611 |
| Net charge-offs to loans | -0.0409% | 5,499 |
| Credit loss provision to net charge-offs | -345.4545% | 5,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6808% | 5,656 |
| Assets per employee ($millions) | 7.2724% | 794 |
| Cash dividends to net income (ytd only)* | 83.1025% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5034% | 1,986 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3039% | 4,388 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 41.5296% | 5,437 |
| Net loans and leases to deposits | 50.5540% | 5,362 |
| Net loans and leases to core deposits | 50.5540% | 5,472 |
| Total domestic deposits to total assets | 82.1489% | 4,132 |
| Equity capital to assets | 12.3096% | 1,734 |
| Core capital (leverage) ratio | 11.2451% | 2,161 |
| Tier 1 risk-based capital ratio | 19.0700% | 1,692 |
| Total risk-based capital ratio | 20.2036% | 1,674 |
| Memoranda: | ||
| Average total assets | $70,202,800 | 5,090 |
| Average earning assets | $65,337,600 | 5,053 |
| Average equity | $9,337,400 | 4,783 |
| Average total loans | $26,872,800 | 5,492 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6290% | 4,647 |
| Cost of funding earning assets | 0.1173% | 5,989 |
| Net interest margin | 3.5116% | 3,494 |
| Noninterest income to average assets | 0.2875% | 4,888 |
| Noninterest expense to average assets | 1.7209% | 5,880 |
| Loan and lease loss provision to assets | 0.0575% | 3,035 |
| Net operating income to assets | 1.7784% | 544 |
| Return on assets (ROA) | 1.6864% | 666 |
| Pretax return on assets | 1.6864% | 1,143 |
| Return on Equity (ROE) | 12.4373% | 1,259 |
| Retained earnings to average equity (ytd only) | 12.4373% | 322 |
| Net charge-offs to loans | -0.0154% | 5,116 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3836% | 5,854 |
| Assets per employee ($millions) | 6.1525% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6518% | 1,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3561% | 4,348 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 39.1492% | 5,637 |
| Net loans and leases to deposits | 47.4048% | 5,600 |
| Net loans and leases to core deposits | 47.4048% | 5,677 |
| Total domestic deposits to total assets | 82.5849% | 3,958 |
| Equity capital to assets | 14.3993% | 887 |
| Core capital (leverage) ratio | 12.3806% | 1,474 |
| Tier 1 risk-based capital ratio | 22.5934% | 1,110 |
| Total risk-based capital ratio | 23.7829% | 1,099 |
| Memoranda: | ||
| Average total assets | $69,572,500 | 5,167 |
| Average earning assets | $64,773,750 | 5,128 |
| Average equity | $9,433,750 | 4,818 |
| Average total loans | $25,925,250 | 5,584 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5535% | 4,849 |
| Cost of funding earning assets | 0.1070% | 6,107 |
| Net interest margin | 3.4465% | 3,724 |
| Noninterest income to average assets | 0.2792% | 4,951 |
| Noninterest expense to average assets | 1.7121% | 5,952 |
| Loan and lease loss provision to assets | 0.0427% | 3,253 |
| Net operating income to assets | 1.7349% | 588 |
| Return on assets (ROA) | 1.7349% | 616 |
| Pretax return on assets | 1.7349% | 1,011 |
| Return on Equity (ROE) | 13.0547% | 1,101 |
| Retained earnings to average equity (ytd only) | 13.0547% | 302 |
| Net charge-offs to loans | -0.0156% | 5,076 |
| Credit loss provision to net charge-offs | -750.0000% | 5,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0612% | 5,901 |
| Assets per employee ($millions) | 6.2555% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6134% | 1,862 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3502% | 4,488 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 38.0172% | 5,739 |
| Net loans and leases to deposits | 46.8691% | 5,638 |
| Net loans and leases to core deposits | 46.8691% | 5,726 |
| Total domestic deposits to total assets | 81.1135% | 4,582 |
| Equity capital to assets | 13.7609% | 1,072 |
| Core capital (leverage) ratio | 12.0887% | 1,600 |
| Tier 1 risk-based capital ratio | 21.4691% | 1,288 |
| Total risk-based capital ratio | 22.5975% | 1,285 |
| Memoranda: | ||
| Average total assets | $70,204,330 | 5,208 |
| Average earning assets | $65,400,000 | 5,168 |
| Average equity | $9,330,000 | 4,870 |
| Average total loans | $25,587,000 | 5,650 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5011% | 4,960 |
| Cost of funding earning assets | 0.1035% | 6,191 |
| Net interest margin | 3.3976% | 3,855 |
| Noninterest income to average assets | 0.2652% | 5,056 |
| Noninterest expense to average assets | 1.6869% | 6,028 |
| Loan and lease loss provision to assets | 0.0451% | 3,018 |
| Net operating income to assets | 1.6812% | 614 |
| Return on assets (ROA) | 1.6812% | 643 |
| Pretax return on assets | 1.6812% | 1,087 |
| Return on Equity (ROE) | 12.8719% | 1,125 |
| Retained earnings to average equity (ytd only) | 12.8719% | 461 |
| Net charge-offs to loans | -0.0159% | 4,940 |
| Credit loss provision to net charge-offs | -800.0000% | 4,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4215% | 5,954 |
| Assets per employee ($millions) | 6.5638% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6814% | 1,788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3338% | 4,651 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 34.0960% | 5,923 |
| Net loans and leases to deposits | 40.8774% | 5,883 |
| Net loans and leases to core deposits | 40.8774% | 5,944 |
| Total domestic deposits to total assets | 83.4104% | 4,041 |
| Equity capital to assets | 12.9609% | 1,424 |
| Core capital (leverage) ratio | 11.4596% | 2,033 |
| Tier 1 risk-based capital ratio | 21.3183% | 1,364 |
| Total risk-based capital ratio | 22.4585% | 1,356 |
| Memoranda: | ||
| Average total assets | $70,901,000 | 5,236 |
| Average earning assets | $65,694,000 | 5,207 |
| Average equity | $9,260,500 | 4,927 |
| Average total loans | $25,086,000 | 5,710 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5613% | 5,186 |
| Cost of funding earning assets | 0.1130% | 6,286 |
| Net interest margin | 3.4483% | 3,990 |
| Noninterest income to average assets | 0.3248% | 4,799 |
| Noninterest expense to average assets | 1.9475% | 5,864 |
| Loan and lease loss provision to assets | 0.1296% | 2,023 |
| Net operating income to assets | 1.4595% | 961 |
| Return on assets (ROA) | 1.3939% | 1,126 |
| Pretax return on assets | 1.3939% | 1,906 |
| Return on Equity (ROE) | 9.9773% | 2,137 |
| Retained earnings to average equity (ytd only) | 2.3360% | 4,564 |
| Net charge-offs to loans | 0.0531% | 3,768 |
| Credit loss provision to net charge-offs | 772.7273% | 350 |
| Earnings coverage of net charge-offs (x) | 94.7273% | 553 |
| Efficiency ratio | 55.0668% | 5,758 |
| Assets per employee ($millions) | 6.3273% | 1,166 |
| Cash dividends to net income (ytd only)* | 76.5864% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6393% | 1,957 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 4,671 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 35.5187% | 5,975 |
| Net loans and leases to deposits | 43.7478% | 5,885 |
| Net loans and leases to core deposits | 43.7478% | 5,962 |
| Total domestic deposits to total assets | 81.1897% | 4,684 |
| Equity capital to assets | 13.1652% | 1,283 |
| Core capital (leverage) ratio | 11.2170% | 2,205 |
| Tier 1 risk-based capital ratio | 20.7178% | 1,467 |
| Total risk-based capital ratio | 21.8229% | 1,466 |
| Memoranda: | ||
| Average total assets | $65,572,000 | 5,410 |
| Average earning assets | $61,073,000 | 5,368 |
| Average equity | $9,160,800 | 4,932 |
| Average total loans | $20,705,600 | 5,934 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5120% | 5,369 |
| Cost of funding earning assets | 0.1060% | 6,390 |
| Net interest margin | 3.4060% | 4,216 |
| Noninterest income to average assets | 0.3180% | 4,892 |
| Noninterest expense to average assets | 1.8730% | 5,992 |
| Loan and lease loss provision to assets | 0.0620% | 3,118 |
| Net operating income to assets | 1.5674% | 812 |
| Return on assets (ROA) | 1.4786% | 1,008 |
| Pretax return on assets | 1.4786% | 1,716 |
| Return on Equity (ROE) | 10.4215% | 2,026 |
| Retained earnings to average equity (ytd only) | 10.4215% | 612 |
| Net charge-offs to loans | 0.0749% | 3,128 |
| Credit loss provision to net charge-offs | 272.7273% | 983 |
| Earnings coverage of net charge-offs (x) | 71.7089% | 765 |
| Efficiency ratio | 53.4788% | 5,878 |
| Assets per employee ($millions) | 6.2014% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5114% | 2,647 |
| Loan loss allowance to noncurrent loans | 451.8987% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.4691% | 4,490 |
| Noncurrent loans to loans | 0.3345% | 4,899 |
| Net loans and leases to total assets | 34.1025% | 6,109 |
| Net loans and leases to deposits | 45.2658% | 5,917 |
| Net loans and leases to core deposits | 45.2658% | 5,987 |
| Total domestic deposits to total assets | 75.3383% | 5,891 |
| Equity capital to assets | 14.0556% | 982 |
| Core capital (leverage) ratio | 12.5209% | 1,389 |
| Tier 1 risk-based capital ratio | 22.8745% | 1,134 |
| Total risk-based capital ratio | 23.8674% | 1,154 |
| Memoranda: | ||
| Average total assets | $64,565,000 | 5,496 |
| Average earning assets | $60,362,750 | 5,447 |
| Average equity | $9,160,250 | 4,969 |
| Average total loans | $19,598,750 | 6,040 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4874% | 5,434 |
| Cost of funding earning assets | 0.1080% | 6,455 |
| Net interest margin | 3.3793% | 4,264 |
| Noninterest income to average assets | 0.3347% | 4,747 |
| Noninterest expense to average assets | 1.8785% | 6,035 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6165% | 683 |
| Return on assets (ROA) | 1.4807% | 938 |
| Pretax return on assets | 1.4807% | 1,596 |
| Return on Equity (ROE) | 10.4018% | 1,977 |
| Retained earnings to average equity (ytd only) | 10.4018% | 633 |
| Net charge-offs to loans | 0.1314% | 2,350 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 42.6667% | 1,014 |
| Efficiency ratio | 53.7489% | 5,927 |
| Assets per employee ($millions) | 5.7938% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7006% | 2,132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3781% | 4,885 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 29.5676% | 6,322 |
| Net loans and leases to deposits | 35.3321% | 6,313 |
| Net loans and leases to core deposits | 35.3321% | 6,345 |
| Total domestic deposits to total assets | 83.6848% | 4,037 |
| Equity capital to assets | 14.6991% | 774 |
| Core capital (leverage) ratio | 12.4440% | 1,426 |
| Tier 1 risk-based capital ratio | 25.2644% | 846 |
| Total risk-based capital ratio | 26.2968% | 853 |
| Memoranda: | ||
| Average total assets | $63,348,330 | 5,577 |
| Average earning assets | $59,242,330 | 5,527 |
| Average equity | $9,017,670 | 5,023 |
| Average total loans | $18,258,330 | 6,149 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4664% | 5,511 |
| Cost of funding earning assets | 0.1221% | 6,488 |
| Net interest margin | 3.3443% | 4,354 |
| Noninterest income to average assets | 0.3420% | 4,643 |
| Noninterest expense to average assets | 1.8937% | 6,079 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5707% | 706 |
| Return on assets (ROA) | 1.5707% | 734 |
| Pretax return on assets | 1.5707% | 1,236 |
| Return on Equity (ROE) | 11.2185% | 1,621 |
| Retained earnings to average equity (ytd only) | 11.2185% | 716 |
| Net charge-offs to loans | 0.2696% | 1,266 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 20.6667% | 1,325 |
| Efficiency ratio | 54.6618% | 5,955 |
| Assets per employee ($millions) | 6.3990% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9568% | 1,607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3766% | 5,026 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 25.5259% | 6,480 |
| Net loans and leases to deposits | 29.7425% | 6,484 |
| Net loans and leases to core deposits | 29.7425% | 6,501 |
| Total domestic deposits to total assets | 85.8228% | 3,449 |
| Equity capital to assets | 14.1381% | 876 |
| Core capital (leverage) ratio | 12.2845% | 1,486 |
| Tier 1 risk-based capital ratio | 26.9179% | 716 |
| Total risk-based capital ratio | 28.0490% | 714 |
| Memoranda: | ||
| Average total assets | $63,156,500 | 5,639 |
| Average earning assets | $58,966,500 | 5,590 |
| Average equity | $8,842,500 | 5,096 |
| Average total loans | $17,802,500 | 6,225 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 4,413 |
| Cost of funding earning assets | 0.1351% | 6,591 |
| Net interest margin | 3.7785% | 2,729 |
| Noninterest income to average assets | 0.3553% | 4,764 |
| Noninterest expense to average assets | 2.3337% | 5,276 |
| Loan and lease loss provision to assets | -0.0931% | 6,471 |
| Net operating income to assets | 1.5667% | 734 |
| Return on assets (ROA) | 1.4803% | 901 |
| Pretax return on assets | 1.5392% | 1,327 |
| Return on Equity (ROE) | 10.6428% | 1,882 |
| Retained earnings to average equity (ytd only) | -0.5132% | 5,977 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3047% | 5,428 |
| Assets per employee ($millions) | 6.2323% | 1,119 |
| Cash dividends to net income (ytd only)* | 104.8218% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7841% | 2,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 5,093 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 29.8558% | 6,462 |
| Net loans and leases to deposits | 34.6828% | 6,469 |
| Net loans and leases to core deposits | 34.6828% | 6,503 |
| Total domestic deposits to total assets | 86.0822% | 3,214 |
| Equity capital to assets | 13.8601% | 947 |
| Core capital (leverage) ratio | 12.0231% | 1,589 |
| Tier 1 risk-based capital ratio | 24.3965% | 913 |
| Total risk-based capital ratio | 25.4947% | 916 |
| Memoranda: | ||
| Average total assets | $64,448,200 | 5,638 |
| Average earning assets | $59,945,000 | 5,590 |
| Average equity | $8,963,800 | 5,086 |
| Average total loans | $21,872,800 | 6,121 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9261% | 4,403 |
| Cost of funding earning assets | 0.1368% | 6,680 |
| Net interest margin | 3.7893% | 2,680 |
| Noninterest income to average assets | 0.4227% | 4,349 |
| Noninterest expense to average assets | 2.4253% | 4,940 |
| Loan and lease loss provision to assets | -0.1231% | 6,655 |
| Net operating income to assets | 1.5604% | 809 |
| Return on assets (ROA) | 1.4609% | 1,014 |
| Pretax return on assets | 1.5389% | 1,500 |
| Return on Equity (ROE) | 10.4951% | 2,000 |
| Retained earnings to average equity (ytd only) | -4.2452% | 6,458 |
| Net charge-offs to loans | 0.0531% | 4,147 |
| Credit loss provision to net charge-offs | -666.6667% | 6,109 |
| Earnings coverage of net charge-offs (x) | 82.3317% | 575 |
| Efficiency ratio | 61.4665% | 5,209 |
| Assets per employee ($millions) | 6.3177% | 1,028 |
| Cash dividends to net income (ytd only)* | 140.4494% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 3,693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 5,163 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 35.4591% | 6,304 |
| Net loans and leases to deposits | 44.7003% | 6,175 |
| Net loans and leases to core deposits | 44.7003% | 6,262 |
| Total domestic deposits to total assets | 79.3263% | 5,669 |
| Equity capital to assets | 13.5255% | 1,108 |
| Core capital (leverage) ratio | 11.3543% | 2,161 |
| Tier 1 risk-based capital ratio | 20.7427% | 1,547 |
| Total risk-based capital ratio | 21.6818% | 1,589 |
| Memoranda: | ||
| Average total assets | $64,979,500 | 5,688 |
| Average earning assets | $60,414,500 | 5,639 |
| Average equity | $9,045,250 | 5,126 |
| Average total loans | $22,604,750 | 6,155 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8854% | 4,536 |
| Cost of funding earning assets | 0.1379% | 6,741 |
| Net interest margin | 3.7475% | 2,771 |
| Noninterest income to average assets | 0.4849% | 3,931 |
| Noninterest expense to average assets | 2.6563% | 4,198 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2253% | 1,528 |
| Return on assets (ROA) | 1.1192% | 1,980 |
| Pretax return on assets | 1.1955% | 2,691 |
| Return on Equity (ROE) | 7.9679% | 3,115 |
| Retained earnings to average equity (ytd only) | 7.9679% | 1,502 |
| Net charge-offs to loans | 0.0620% | 3,818 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 61.2857% | 687 |
| Efficiency ratio | 67.0000% | 4,364 |
| Assets per employee ($millions) | 6.4781% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7524% | 2,587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7147% | 4,437 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 33.8386% | 6,419 |
| Net loans and leases to deposits | 39.6115% | 6,423 |
| Net loans and leases to core deposits | 39.6115% | 6,488 |
| Total domestic deposits to total assets | 85.4263% | 3,678 |
| Equity capital to assets | 14.2712% | 886 |
| Core capital (leverage) ratio | 12.2117% | 1,501 |
| Tier 1 risk-based capital ratio | 22.4318% | 1,213 |
| Total risk-based capital ratio | 23.5389% | 1,218 |
| Memoranda: | ||
| Average total assets | $65,580,330 | 5,707 |
| Average earning assets | $60,894,670 | 5,668 |
| Average equity | $9,212,000 | 5,123 |
| Average total loans | $22,562,670 | 6,190 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9249% | 4,383 |
| Cost of funding earning assets | 0.1427% | 6,817 |
| Net interest margin | 3.7822% | 2,512 |
| Noninterest income to average assets | 0.2728% | 5,496 |
| Noninterest expense to average assets | 2.2128% | 5,649 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4937% | 867 |
| Return on assets (ROA) | 1.3398% | 1,273 |
| Pretax return on assets | 1.4307% | 1,769 |
| Return on Equity (ROE) | 9.6134% | 2,227 |
| Retained earnings to average equity (ytd only) | 9.6134% | 1,212 |
| Net charge-offs to loans | 0.0176% | 3,803 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 263.0000% | 147 |
| Efficiency ratio | 58.1210% | 5,834 |
| Assets per employee ($millions) | 6.5713% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7801% | 2,690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7031% | 4,620 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 33.3343% | 6,447 |
| Net loans and leases to deposits | 39.0137% | 6,461 |
| Net loans and leases to core deposits | 39.0137% | 6,520 |
| Total domestic deposits to total assets | 85.4428% | 3,822 |
| Equity capital to assets | 14.1996% | 962 |
| Core capital (leverage) ratio | 11.9989% | 1,565 |
| Tier 1 risk-based capital ratio | 22.1261% | 1,308 |
| Total risk-based capital ratio | 23.2557% | 1,302 |
| Memoranda: | ||
| Average total assets | $65,980,000 | 5,738 |
| Average earning assets | $61,657,000 | 5,688 |
| Average equity | $9,195,500 | 5,183 |
| Average total loans | $22,688,000 | 6,243 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6640% | 2,736 |
| Cost of funding earning assets | 0.2109% | 6,803 |
| Net interest margin | 4.4531% | 1,038 |
| Noninterest income to average assets | 0.1337% | 6,371 |
| Noninterest expense to average assets | 2.0198% | 6,289 |
| Loan and lease loss provision to assets | -0.6984% | 7,059 |
| Net operating income to assets | 2.7546% | 117 |
| Return on assets (ROA) | 2.6694% | 137 |
| Pretax return on assets | 2.8078% | 171 |
| Return on Equity (ROE) | 17.3542% | 506 |
| Retained earnings to average equity (ytd only) | -8.2118% | 6,582 |
| Net charge-offs to loans | -0.0673% | 6,761 |
| Credit loss provision to net charge-offs | 3,171.4286% | 77 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8747% | 6,715 |
| Assets per employee ($millions) | 6.6247% | 935 |
| Cash dividends to net income (ytd only)* | 147.3188% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7249% | 2,835 |
| Loan loss allowance to noncurrent loans | 19,900.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.7004% | 4,733 |
| Noncurrent loans to loans | 0.0087% | 6,553 |
| Net loans and leases to total assets | 34.2295% | 6,537 |
| Net loans and leases to deposits | 39.8055% | 6,562 |
| Net loans and leases to core deposits | 39.8055% | 6,624 |
| Total domestic deposits to total assets | 85.9918% | 3,365 |
| Equity capital to assets | 13.6761% | 1,164 |
| Core capital (leverage) ratio | 11.5995% | 1,805 |
| Tier 1 risk-based capital ratio | 20.8431% | 1,490 |
| Total risk-based capital ratio | 21.9411% | 1,496 |
| Memoranda: | ||
| Average total assets | $63,571,800 | 5,836 |
| Average earning assets | $58,318,800 | 5,803 |
| Average equity | $9,778,600 | 5,031 |
| Average total loans | $20,809,400 | 6,387 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8613% | 2,150 |
| Cost of funding earning assets | 0.2207% | 6,904 |
| Net interest margin | 4.6405% | 758 |
| Noninterest income to average assets | 0.3095% | 5,308 |
| Noninterest expense to average assets | 1.9034% | 6,518 |
| Loan and lease loss provision to assets | -0.9411% | 7,167 |
| Net operating income to assets | 3.4092% | 77 |
| Return on assets (ROA) | 3.2642% | 89 |
| Pretax return on assets | 3.4274% | 110 |
| Return on Equity (ROE) | 20.6189% | 301 |
| Retained earnings to average equity (ytd only) | 13.9244% | 306 |
| Net charge-offs to loans | 0.0790% | 4,607 |
| Credit loss provision to net charge-offs | -3,700.0000% | 6,646 |
| Earnings coverage of net charge-offs (x) | 103.7475% | 407 |
| Efficiency ratio | 41.9039% | 6,967 |
| Assets per employee ($millions) | 6.2452% | 1,100 |
| Cash dividends to net income (ytd only)* | 32.4676% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7981% | 2,803 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9047% | 4,474 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 32.5306% | 6,722 |
| Net loans and leases to deposits | 39.6170% | 6,688 |
| Net loans and leases to core deposits | 39.6170% | 6,755 |
| Total domestic deposits to total assets | 82.1127% | 4,975 |
| Equity capital to assets | 17.4102% | 410 |
| Core capital (leverage) ratio | 15.0445% | 602 |
| Tier 1 risk-based capital ratio | 27.1587% | 731 |
| Total risk-based capital ratio | 28.2337% | 728 |
| Memoranda: | ||
| Average total assets | $62,903,000 | 5,918 |
| Average earning assets | $57,377,250 | 5,895 |
| Average equity | $9,958,250 | 5,032 |
| Average total loans | $20,243,250 | 6,501 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4528% | 3,968 |
| Cost of funding earning assets | 0.2265% | 6,977 |
| Net interest margin | 4.2263% | 1,679 |
| Noninterest income to average assets | 0.3077% | 5,352 |
| Noninterest expense to average assets | 1.8905% | 6,613 |
| Loan and lease loss provision to assets | -1.4083% | 7,235 |
| Net operating income to assets | 3.5293% | 75 |
| Return on assets (ROA) | 3.4288% | 77 |
| Pretax return on assets | 3.5684% | 103 |
| Return on Equity (ROE) | 22.3964% | 236 |
| Retained earnings to average equity (ytd only) | 12.0373% | 575 |
| Net charge-offs to loans | 0.1194% | 3,978 |
| Credit loss provision to net charge-offs | -3,700.0000% | 6,544 |
| Earnings coverage of net charge-offs (x) | 59.5000% | 640 |
| Efficiency ratio | 45.4962% | 6,906 |
| Assets per employee ($millions) | 8.8571% | 335 |
| Cash dividends to net income (ytd only)* | 46.2535% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8368% | 2,742 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9113% | 4,546 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 32.0661% | 6,801 |
| Net loans and leases to deposits | 38.3959% | 6,788 |
| Net loans and leases to core deposits | 38.3959% | 6,858 |
| Total domestic deposits to total assets | 83.5145% | 4,523 |
| Equity capital to assets | 16.0839% | 565 |
| Core capital (leverage) ratio | 14.0197% | 797 |
| Tier 1 risk-based capital ratio | 25.7297% | 829 |
| Total risk-based capital ratio | 26.8006% | 831 |
| Memoranda: | ||
| Average total assets | $63,053,330 | 5,944 |
| Average earning assets | $57,402,670 | 5,929 |
| Average equity | $9,653,330 | 5,120 |
| Average total loans | $20,095,000 | 6,558 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4318% | 4,192 |
| Cost of funding earning assets | 0.2278% | 7,061 |
| Net interest margin | 4.2040% | 1,751 |
| Noninterest income to average assets | 0.2831% | 5,606 |
| Noninterest expense to average assets | 1.8496% | 6,740 |
| Loan and lease loss provision to assets | -2.7933% | 7,302 |
| Net operating income to assets | 4.7019% | 48 |
| Return on assets (ROA) | 4.6493% | 53 |
| Pretax return on assets | 5.0016% | 61 |
| Return on Equity (ROE) | 31.1355% | 94 |
| Retained earnings to average equity (ytd only) | 31.1355% | 51 |
| Net charge-offs to loans | 0.2798% | 2,550 |
| Credit loss provision to net charge-offs | -3,171.4286% | 6,141 |
| Earnings coverage of net charge-offs (x) | 25.7143% | 1,021 |
| Efficiency ratio | 44.9541% | 6,954 |
| Assets per employee ($millions) | 9.2949% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8628% | 2,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8684% | 4,783 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 29.9597% | 6,910 |
| Net loans and leases to deposits | 35.5621% | 6,904 |
| Net loans and leases to core deposits | 35.5621% | 6,952 |
| Total domestic deposits to total assets | 84.2463% | 4,380 |
| Equity capital to assets | 15.3341% | 690 |
| Core capital (leverage) ratio | 14.4020% | 711 |
| Tier 1 risk-based capital ratio | 26.6635% | 755 |
| Total risk-based capital ratio | 27.7481% | 751 |
| Memoranda: | ||
| Average total assets | $63,580,000 | 5,967 |
| Average earning assets | $57,944,500 | 5,940 |
| Average equity | $9,494,000 | 5,172 |
| Average total loans | $20,016,000 | 6,610 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2185% | 6,004 |
| Cost of funding earning assets | 0.3356% | 7,042 |
| Net interest margin | 3.8829% | 3,412 |
| Noninterest income to average assets | 1.7111% | 485 |
| Noninterest expense to average assets | 2.3836% | 5,819 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 2.7802% | 104 |
| Return on assets (ROA) | 2.5647% | 130 |
| Pretax return on assets | 2.7180% | 159 |
| Return on Equity (ROE) | 21.5595% | 199 |
| Retained earnings to average equity (ytd only) | -3.4602% | 6,322 |
| Net charge-offs to loans | -0.1723% | 7,197 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7137% | 7,099 |
| Assets per employee ($millions) | 6.8996% | 774 |
| Cash dividends to net income (ytd only)* | 116.0494% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1053% | 354 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9099% | 4,791 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 31.1469% | 6,971 |
| Net loans and leases to deposits | 38.7657% | 6,928 |
| Net loans and leases to core deposits | 38.7657% | 6,977 |
| Total domestic deposits to total assets | 80.3466% | 5,645 |
| Equity capital to assets | 14.5114% | 896 |
| Core capital (leverage) ratio | 12.9623% | 1,158 |
| Tier 1 risk-based capital ratio | 25.3038% | 842 |
| Total risk-based capital ratio | 26.5678% | 815 |
| Memoranda: | ||
| Average total assets | $78,955,600 | 5,481 |
| Average earning assets | $73,604,200 | 5,414 |
| Average equity | $9,392,600 | 5,184 |
| Average total loans | $28,436,200 | 6,228 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1870% | 6,240 |
| Cost of funding earning assets | 0.3509% | 7,125 |
| Net interest margin | 3.8361% | 3,688 |
| Noninterest income to average assets | 0.3062% | 5,408 |
| Noninterest expense to average assets | 2.2604% | 6,145 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5540% | 842 |
| Return on assets (ROA) | 1.3530% | 1,345 |
| Pretax return on assets | 1.4268% | 1,858 |
| Return on Equity (ROE) | 11.8603% | 1,586 |
| Retained earnings to average equity (ytd only) | 6.9419% | 1,998 |
| Net charge-offs to loans | -0.1311% | 7,206 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9770% | 6,014 |
| Assets per employee ($millions) | 5.4798% | 1,622 |
| Cash dividends to net income (ytd only)* | 41.4695% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6354% | 1,221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6874% | 5,425 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 36.3614% | 6,850 |
| Net loans and leases to deposits | 41.5226% | 6,932 |
| Net loans and leases to core deposits | 41.6941% | 6,991 |
| Total domestic deposits to total assets | 87.5701% | 2,310 |
| Equity capital to assets | 12.1987% | 2,102 |
| Core capital (leverage) ratio | 11.1181% | 2,301 |
| Tier 1 risk-based capital ratio | 21.7011% | 1,338 |
| Total risk-based capital ratio | 22.9514% | 1,307 |
| Memoranda: | ||
| Average total assets | $83,170,500 | 5,402 |
| Average earning assets | $77,890,500 | 5,332 |
| Average equity | $9,488,000 | 5,181 |
| Average total loans | $30,503,000 | 6,201 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2002% | 6,277 |
| Cost of funding earning assets | 0.3626% | 7,206 |
| Net interest margin | 3.8376% | 3,602 |
| Noninterest income to average assets | 0.3138% | 5,389 |
| Noninterest expense to average assets | 2.3139% | 6,085 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5084% | 870 |
| Return on assets (ROA) | 1.2719% | 1,458 |
| Pretax return on assets | 1.3486% | 1,970 |
| Return on Equity (ROE) | 11.4091% | 1,667 |
| Retained earnings to average equity (ytd only) | 3.8890% | 3,721 |
| Net charge-offs to loans | -0.2234% | 7,306 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1187% | 6,011 |
| Assets per employee ($millions) | 4.8021% | 2,405 |
| Cash dividends to net income (ytd only)* | 65.9134% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6415% | 1,255 |
| Loan loss allowance to noncurrent loans | 9,033.3333% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.7031% | 5,502 |
| Noncurrent loans to loans | 0.0292% | 6,911 |
| Net loans and leases to total assets | 36.7056% | 6,925 |
| Net loans and leases to deposits | 41.7044% | 7,002 |
| Net loans and leases to core deposits | 42.0532% | 7,065 |
| Total domestic deposits to total assets | 88.0139% | 2,126 |
| Equity capital to assets | 11.7901% | 2,255 |
| Core capital (leverage) ratio | 10.5466% | 2,663 |
| Tier 1 risk-based capital ratio | 20.9352% | 1,433 |
| Total risk-based capital ratio | 22.1819% | 1,414 |
| Memoranda: | ||
| Average total assets | $83,495,000 | 5,440 |
| Average earning assets | $78,329,670 | 5,364 |
| Average equity | $9,308,330 | 5,233 |
| Average total loans | $30,438,330 | 6,257 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1837% | 6,315 |
| Cost of funding earning assets | 0.3671% | 7,292 |
| Net interest margin | 3.8166% | 3,528 |
| Noninterest income to average assets | 0.3696% | 4,956 |
| Noninterest expense to average assets | 2.4400% | 5,766 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4368% | 1,006 |
| Return on assets (ROA) | 1.3077% | 1,292 |
| Pretax return on assets | 1.3882% | 1,753 |
| Return on Equity (ROE) | 12.0656% | 1,443 |
| Retained earnings to average equity (ytd only) | 12.0656% | 729 |
| Net charge-offs to loans | -0.3832% | 7,380 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5293% | 5,755 |
| Assets per employee ($millions) | 5.1549% | 1,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7511% | 1,155 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6447% | 5,669 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 32.5927% | 7,144 |
| Net loans and leases to deposits | 36.6715% | 7,205 |
| Net loans and leases to core deposits | 36.9534% | 7,241 |
| Total domestic deposits to total assets | 88.8775% | 1,855 |
| Equity capital to assets | 10.9411% | 2,749 |
| Core capital (leverage) ratio | 10.7028% | 2,436 |
| Tier 1 risk-based capital ratio | 21.8201% | 1,258 |
| Total risk-based capital ratio | 23.0835% | 1,226 |
| Memoranda: | ||
| Average total assets | $84,424,500 | 5,457 |
| Average earning assets | $79,547,500 | 5,376 |
| Average equity | $9,150,000 | 5,273 |
| Average total loans | $30,268,500 | 6,323 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6041% | 6,100 |
| Cost of funding earning assets | 0.7013% | 6,886 |
| Net interest margin | 3.9027% | 3,471 |
| Noninterest income to average assets | 0.2634% | 5,904 |
| Noninterest expense to average assets | 2.6465% | 5,237 |
| Loan and lease loss provision to assets | 0.3754% | 3,873 |
| Net operating income to assets | 0.8415% | 2,626 |
| Return on assets (ROA) | 1.1041% | 1,766 |
| Pretax return on assets | 1.1718% | 2,327 |
| Return on Equity (ROE) | 11.0078% | 1,587 |
| Retained earnings to average equity (ytd only) | 1.8039% | 4,604 |
| Net charge-offs to loans | 0.6253% | 3,151 |
| Credit loss provision to net charge-offs | 139.9083% | 2,706 |
| Earnings coverage of net charge-offs (x) | 4.7248% | 2,827 |
| Efficiency ratio | 67.6101% | 4,643 |
| Assets per employee ($millions) | 4.7774% | 2,448 |
| Cash dividends to net income (ytd only)* | 83.6120% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4994% | 1,411 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6957% | 5,613 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 37.4163% | 7,097 |
| Net loans and leases to deposits | 42.0252% | 7,180 |
| Net loans and leases to core deposits | 43.6521% | 7,211 |
| Total domestic deposits to total assets | 89.0329% | 1,645 |
| Equity capital to assets | 10.7270% | 2,929 |
| Core capital (leverage) ratio | 10.6509% | 2,414 |
| Tier 1 risk-based capital ratio | 19.6937% | 1,554 |
| Total risk-based capital ratio | 20.8885% | 1,533 |
| Memoranda: | ||
| Average total assets | $81,239,800 | 5,560 |
| Average earning assets | $75,998,200 | 5,478 |
| Average equity | $8,148,800 | 5,671 |
| Average total loans | $34,865,400 | 6,161 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7081% | 5,987 |
| Cost of funding earning assets | 0.7791% | 6,822 |
| Net interest margin | 3.9290% | 3,411 |
| Noninterest income to average assets | 0.2248% | 6,294 |
| Noninterest expense to average assets | 2.4747% | 5,807 |
| Loan and lease loss provision to assets | 0.5005% | 2,956 |
| Net operating income to assets | 0.8706% | 2,728 |
| Return on assets (ROA) | 0.8829% | 2,824 |
| Pretax return on assets | 0.9371% | 3,423 |
| Return on Equity (ROE) | 8.9575% | 2,505 |
| Retained earnings to average equity (ytd only) | 3.1301% | 4,243 |
| Net charge-offs to loans | 0.7711% | 2,502 |
| Credit loss provision to net charge-offs | 147.3430% | 2,662 |
| Earnings coverage of net charge-offs (x) | 4.1933% | 3,155 |
| Efficiency ratio | 63.4680% | 5,347 |
| Assets per employee ($millions) | 4.5975% | 2,751 |
| Cash dividends to net income (ytd only)* | 65.0560% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3499% | 1,548 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7229% | 5,664 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 42.0039% | 6,979 |
| Net loans and leases to deposits | 47.3826% | 7,111 |
| Net loans and leases to core deposits | 49.6724% | 7,135 |
| Total domestic deposits to total assets | 88.6485% | 1,592 |
| Equity capital to assets | 11.0982% | 2,855 |
| Core capital (leverage) ratio | 11.0020% | 2,260 |
| Tier 1 risk-based capital ratio | 19.6492% | 1,615 |
| Total risk-based capital ratio | 20.8810% | 1,589 |
| Memoranda: | ||
| Average total assets | $81,245,750 | 5,626 |
| Average earning assets | $75,981,000 | 5,546 |
| Average equity | $8,008,000 | 5,789 |
| Average total loans | $35,790,000 | 6,214 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7519% | 5,967 |
| Cost of funding earning assets | 0.8701% | 6,695 |
| Net interest margin | 3.8818% | 3,526 |
| Noninterest income to average assets | 0.1847% | 6,584 |
| Noninterest expense to average assets | 2.4649% | 5,864 |
| Loan and lease loss provision to assets | 0.7414% | 1,952 |
| Net operating income to assets | 0.5637% | 4,022 |
| Return on assets (ROA) | 0.4837% | 4,556 |
| Pretax return on assets | 0.5153% | 4,858 |
| Return on Equity (ROE) | 5.1117% | 4,234 |
| Retained earnings to average equity (ytd only) | -3.8788% | 6,423 |
| Net charge-offs to loans | 0.7997% | 2,247 |
| Credit loss provision to net charge-offs | 208.9041% | 1,862 |
| Earnings coverage of net charge-offs (x) | 3.7808% | 3,177 |
| Efficiency ratio | 64.7510% | 5,197 |
| Assets per employee ($millions) | 4.7318% | 2,532 |
| Cash dividends to net income (ytd only)* | 175.8794% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4156% | 1,413 |
| Loan loss allowance to noncurrent loans | 680.8000% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.8578% | 5,400 |
| Noncurrent loans to loans | 0.3548% | 6,525 |
| Net loans and leases to total assets | 42.7374% | 6,997 |
| Net loans and leases to deposits | 48.6472% | 7,130 |
| Net loans and leases to core deposits | 51.0052% | 7,170 |
| Total domestic deposits to total assets | 87.8518% | 2,076 |
| Equity capital to assets | 10.0709% | 3,924 |
| Core capital (leverage) ratio | 9.9702% | 3,199 |
| Tier 1 risk-based capital ratio | 18.2467% | 1,885 |
| Total risk-based capital ratio | 19.4763% | 1,862 |
| Memoranda: | ||
| Average total assets | $82,275,330 | 5,619 |
| Average earning assets | $76,769,000 | 5,556 |
| Average equity | $7,786,000 | 5,872 |
| Average total loans | $36,513,670 | 6,221 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9273% | 5,316 |
| Cost of funding earning assets | 0.8935% | 6,796 |
| Net interest margin | 4.0338% | 2,719 |
| Noninterest income to average assets | 0.0673% | 7,382 |
| Noninterest expense to average assets | 2.4762% | 5,821 |
| Loan and lease loss provision to assets | 1.2261% | 991 |
| Net operating income to assets | 0.1157% | 5,981 |
| Return on assets (ROA) | 0.5722% | 4,163 |
| Pretax return on assets | 0.6058% | 4,582 |
| Return on Equity (ROE) | 6.2398% | 3,752 |
| Retained earnings to average equity (ytd only) | 6.2398% | 2,501 |
| Net charge-offs to loans | 2.2500% | 756 |
| Credit loss provision to net charge-offs | 122.0096% | 2,868 |
| Earnings coverage of net charge-offs (x) | 1.3397% | 3,942 |
| Efficiency ratio | 64.7799% | 5,345 |
| Assets per employee ($millions) | 5.0600% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0182% | 2,140 |
| Loan loss allowance to noncurrent loans | 4,341.1765% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.6766% | 5,823 |
| Noncurrent loans to loans | 0.0465% | 7,295 |
| Net loans and leases to total assets | 41.6531% | 7,145 |
| Net loans and leases to deposits | 47.9062% | 7,241 |
| Net loans and leases to core deposits | 52.0762% | 7,196 |
| Total domestic deposits to total assets | 86.9472% | 2,657 |
| Equity capital to assets | 9.2072% | 4,980 |
| Core capital (leverage) ratio | 10.3922% | 2,726 |
| Tier 1 risk-based capital ratio | 17.0045% | 2,268 |
| Total risk-based capital ratio | 18.1834% | 2,236 |
| Memoranda: | ||
| Average total assets | $83,193,000 | 5,658 |
| Average earning assets | $77,446,000 | 5,588 |
| Average equity | $7,628,500 | 5,970 |
| Average total loans | $37,156,000 | 6,257 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6542% | 3,331 |
| Cost of funding earning assets | 1.2322% | 6,540 |
| Net interest margin | 4.4219% | 1,373 |
| Noninterest income to average assets | 0.3567% | 5,547 |
| Noninterest expense to average assets | 2.4178% | 6,410 |
| Loan and lease loss provision to assets | 1.1007% | 2,072 |
| Net operating income to assets | 0.9394% | 2,054 |
| Return on assets (ROA) | 0.3579% | 4,394 |
| Pretax return on assets | 0.3812% | 4,550 |
| Return on Equity (ROE) | 3.6095% | 4,251 |
| Retained earnings to average equity (ytd only) | 3.6095% | 2,656 |
| Net charge-offs to loans | 2.1809% | 1,103 |
| Credit loss provision to net charge-offs | 107.7016% | 5,142 |
| Earnings coverage of net charge-offs (x) | 2.0554% | 4,186 |
| Efficiency ratio | 53.5112% | 7,277 |
| Assets per employee ($millions) | 4.7274% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8334% | 2,438 |
| Loan loss allowance to noncurrent loans | 276.8000% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 1.0937% | 4,906 |
| Noncurrent loans to loans | 0.6624% | 5,917 |
| Net loans and leases to total assets | 46.1041% | 6,960 |
| Net loans and leases to deposits | 53.1684% | 7,103 |
| Net loans and leases to core deposits | 63.5268% | 7,117 |
| Total domestic deposits to total assets | 86.7133% | 2,646 |
| Equity capital to assets | 9.1295% | 4,942 |
| Core capital (leverage) ratio | 10.6976% | 2,435 |
| Tier 1 risk-based capital ratio | 15.4175% | 2,749 |
| Total risk-based capital ratio | 16.5848% | 2,744 |
| Memoranda: | ||
| Average total assets | $81,312,200 | 5,690 |
| Average earning assets | $76,527,600 | 5,580 |
| Average equity | $8,062,000 | 5,903 |
| Average total loans | $38,103,800 | 6,198 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7213% | 3,234 |
| Cost of funding earning assets | 1.2837% | 6,608 |
| Net interest margin | 4.4376% | 1,345 |
| Noninterest income to average assets | 0.3450% | 5,740 |
| Noninterest expense to average assets | 2.4149% | 6,369 |
| Loan and lease loss provision to assets | 0.8567% | 2,236 |
| Net operating income to assets | 1.1787% | 1,519 |
| Return on assets (ROA) | 0.1782% | 5,296 |
| Pretax return on assets | 0.1913% | 5,321 |
| Return on Equity (ROE) | 1.7630% | 5,243 |
| Retained earnings to average equity (ytd only) | 1.7630% | 4,326 |
| Net charge-offs to loans | 1.5185% | 1,341 |
| Credit loss provision to net charge-offs | 120.4598% | 4,211 |
| Earnings coverage of net charge-offs (x) | 2.9862% | 3,740 |
| Efficiency ratio | 53.2061% | 7,317 |
| Assets per employee ($millions) | 4.3925% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8034% | 2,266 |
| Loan loss allowance to noncurrent loans | 689.4231% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.9271% | 5,217 |
| Noncurrent loans to loans | 0.2616% | 6,855 |
| Net loans and leases to total assets | 49.3796% | 6,836 |
| Net loans and leases to deposits | 58.1553% | 6,953 |
| Net loans and leases to core deposits | 69.8001% | 6,976 |
| Total domestic deposits to total assets | 84.9099% | 3,283 |
| Equity capital to assets | 8.8598% | 5,690 |
| Core capital (leverage) ratio | 10.0892% | 3,188 |
| Tier 1 risk-based capital ratio | 13.4304% | 3,905 |
| Total risk-based capital ratio | 14.5323% | 3,947 |
| Memoranda: | ||
| Average total assets | $81,548,750 | 5,707 |
| Average earning assets | $77,066,750 | 5,589 |
| Average equity | $8,243,250 | 5,904 |
| Average total loans | $38,193,750 | 6,237 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6220% | 3,957 |
| Cost of funding earning assets | 1.3278% | 6,710 |
| Net interest margin | 4.2942% | 1,673 |
| Noninterest income to average assets | 0.2816% | 6,254 |
| Noninterest expense to average assets | 2.4182% | 6,405 |
| Loan and lease loss provision to assets | 1.0901% | 1,574 |
| Net operating income to assets | 0.7843% | 2,912 |
| Return on assets (ROA) | 1.2431% | 1,454 |
| Pretax return on assets | 1.3208% | 1,961 |
| Return on Equity (ROE) | 11.8299% | 1,472 |
| Retained earnings to average equity (ytd only) | 11.8299% | 471 |
| Net charge-offs to loans | 2.2988% | 774 |
| Credit loss provision to net charge-offs | 103.6952% | 4,427 |
| Earnings coverage of net charge-offs (x) | 1.8291% | 4,199 |
| Efficiency ratio | 55.7047% | 7,146 |
| Assets per employee ($millions) | 4.3633% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6389% | 2,577 |
| Loan loss allowance to noncurrent loans | 400.0000% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.9529% | 5,078 |
| Noncurrent loans to loans | 0.4097% | 6,486 |
| Net loans and leases to total assets | 46.6220% | 7,152 |
| Net loans and leases to deposits | 53.6425% | 7,296 |
| Net loans and leases to core deposits | 64.2385% | 7,291 |
| Total domestic deposits to total assets | 86.9124% | 2,299 |
| Equity capital to assets | 10.5533% | 3,338 |
| Core capital (leverage) ratio | 10.5171% | 2,797 |
| Tier 1 risk-based capital ratio | 13.8131% | 3,619 |
| Total risk-based capital ratio | 14.7359% | 3,754 |
| Memoranda: | ||
| Average total assets | $82,376,670 | 5,717 |
| Average earning assets | $77,872,330 | 5,602 |
| Average equity | $8,656,000 | 5,796 |
| Average total loans | $37,672,000 | 6,310 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4922% | 4,955 |
| Cost of funding earning assets | 1.3576% | 6,851 |
| Net interest margin | 4.1346% | 2,142 |
| Noninterest income to average assets | 0.2874% | 6,140 |
| Noninterest expense to average assets | 2.1482% | 7,013 |
| Loan and lease loss provision to assets | 2.1872% | 537 |
| Net operating income to assets | -0.1367% | 6,464 |
| Return on assets (ROA) | 0.3166% | 5,406 |
| Pretax return on assets | 0.3361% | 5,572 |
| Return on Equity (ROE) | 3.0199% | 5,363 |
| Retained earnings to average equity (ytd only) | 3.0199% | 4,197 |
| Net charge-offs to loans | 4.6988% | 235 |
| Credit loss provision to net charge-offs | 103.6952% | 3,632 |
| Earnings coverage of net charge-offs (x) | 0.9677% | 4,288 |
| Efficiency ratio | 51.2791% | 7,482 |
| Assets per employee ($millions) | 4.4017% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8005% | 1,848 |
| Loan loss allowance to noncurrent loans | 399.3789% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.9446% | 4,829 |
| Noncurrent loans to loans | 0.4508% | 6,294 |
| Net loans and leases to total assets | 41.9332% | 7,470 |
| Net loans and leases to deposits | 47.7650% | 7,586 |
| Net loans and leases to core deposits | 57.1182% | 7,563 |
| Total domestic deposits to total assets | 87.7907% | 1,848 |
| Equity capital to assets | 9.8908% | 4,127 |
| Core capital (leverage) ratio | 10.0908% | 3,302 |
| Tier 1 risk-based capital ratio | 13.9486% | 3,621 |
| Total risk-based capital ratio | 15.0318% | 3,628 |
| Memoranda: | ||
| Average total assets | $82,113,500 | 5,743 |
| Average earning assets | $77,492,000 | 5,638 |
| Average equity | $8,609,500 | 5,841 |
| Average total loans | $36,860,500 | 6,388 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0329% | 5,400 |
| Cost of funding earning assets | 1.9762% | 6,489 |
| Net interest margin | 4.0567% | 2,886 |
| Noninterest income to average assets | 0.2943% | 6,357 |
| Noninterest expense to average assets | 2.1771% | 7,027 |
| Loan and lease loss provision to assets | 0.6344% | 2,291 |
| Net operating income to assets | 1.2127% | 1,737 |
| Return on assets (ROA) | 1.1304% | 1,947 |
| Pretax return on assets | 1.1977% | 2,650 |
| Return on Equity (ROE) | 11.0499% | 1,891 |
| Retained earnings to average equity (ytd only) | 11.0499% | 320 |
| Net charge-offs to loans | 2.3767% | 429 |
| Credit loss provision to net charge-offs | 52.9101% | 6,319 |
| Earnings coverage of net charge-offs (x) | 1.6011% | 5,294 |
| Efficiency ratio | 53.1434% | 7,363 |
| Assets per employee ($millions) | 4.2418% | 3,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6523% | 2,055 |
| Loan loss allowance to noncurrent loans | 350.8380% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 1.0026% | 4,324 |
| Noncurrent loans to loans | 0.4710% | 5,932 |
| Net loans and leases to total assets | 46.3806% | 7,294 |
| Net loans and leases to deposits | 53.8733% | 7,445 |
| Net loans and leases to core deposits | 64.9037% | 7,404 |
| Total domestic deposits to total assets | 86.0920% | 2,360 |
| Equity capital to assets | 11.1013% | 2,961 |
| Core capital (leverage) ratio | 10.2259% | 3,240 |
| Tier 1 risk-based capital ratio | 15.1790% | 2,967 |
| Total risk-based capital ratio | 16.3393% | 2,924 |
| Memoranda: | ||
| Average total assets | $78,819,600 | 5,736 |
| Average earning assets | $73,878,600 | 5,667 |
| Average equity | $8,063,400 | 6,065 |
| Average total loans | $39,760,400 | 6,168 |