Home > First Southeast Bank > Performance and Condition Ratios
First Southeast Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6268% | 2,837 |
| Cost of funding earning assets | 1.2043% | 2,789 |
| Net interest margin | 3.4225% | 2,357 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.6076% | 1,981 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.8404% | 2,741 |
| Return on assets (ROA) | 0.8603% | 2,648 |
| Pretax return on assets | 0.8708% | 3,042 |
| Return on Equity (ROE) | 14.4100% | 1,399 |
| Retained earnings to average equity (ytd only) | 6.6539% | 2,008 |
| Net charge-offs to loans | -0.0022% | 3,696 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.8367% | 1,478 |
| Assets per employee ($millions) | 6.1133% | 2,721 |
| Cash dividends to net income (ytd only)* | 53.8390% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8843% | 3,769 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 2,056 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 75.4400% | 1,182 |
| Net loans and leases to deposits | 89.4484% | 1,309 |
| Net loans and leases to core deposits | 101.5946% | 1,350 |
| Total domestic deposits to total assets | 84.3300% | 2,529 |
| Equity capital to assets | 6.3757% | 4,150 |
| Core capital (leverage) ratio | 7.9471% | 4,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0427% | 2,812 |
| Memoranda: | ||
| Average total assets | $124,137,800 | 3,611 |
| Average earning assets | $117,079,000 | 3,573 |
| Average equity | $7,409,200 | 3,999 |
| Average total loans | $91,165,000 | 3,274 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5020% | 2,913 |
| Cost of funding earning assets | 1.1401% | 2,624 |
| Net interest margin | 3.3618% | 2,541 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.5577% | 2,063 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.7878% | 3,064 |
| Return on assets (ROA) | 0.7995% | 3,023 |
| Pretax return on assets | 0.8136% | 3,301 |
| Return on Equity (ROE) | 13.6400% | 1,755 |
| Retained earnings to average equity (ytd only) | 4.2502% | 3,190 |
| Net charge-offs to loans | -0.0015% | 3,528 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.9662% | 1,363 |
| Assets per employee ($millions) | 5.8441% | 2,889 |
| Cash dividends to net income (ytd only)* | 68.8347% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9216% | 3,660 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.3528% | 1,617 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 75.6000% | 1,167 |
| Net loans and leases to deposits | 94.6514% | 852 |
| Net loans and leases to core deposits | 106.9606% | 977 |
| Total domestic deposits to total assets | 79.8700% | 3,550 |
| Equity capital to assets | 5.7999% | 4,052 |
| Core capital (leverage) ratio | 7.9211% | 4,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7638% | 2,858 |
| Memoranda: | ||
| Average total assets | $123,077,500 | 3,632 |
| Average earning assets | $116,243,000 | 3,596 |
| Average equity | $7,215,250 | 4,021 |
| Average total loans | $89,529,250 | 3,294 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4087% | 2,870 |
| Cost of funding earning assets | 1.0536% | 2,440 |
| Net interest margin | 3.3551% | 2,626 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.5537% | 2,051 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.8704% | 2,850 |
| Return on assets (ROA) | 0.8815% | 2,807 |
| Pretax return on assets | 0.9026% | 3,156 |
| Return on Equity (ROE) | 14.9800% | 1,474 |
| Retained earnings to average equity (ytd only) | 2.7871% | 3,540 |
| Net charge-offs to loans | -0.0023% | 3,553 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.4360% | 1,410 |
| Assets per employee ($millions) | 5.5209% | 3,133 |
| Cash dividends to net income (ytd only)* | 81.3996% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8673% | 3,864 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 1,639 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 74.5300% | 1,224 |
| Net loans and leases to deposits | 87.8590% | 1,356 |
| Net loans and leases to core deposits | 97.6022% | 1,375 |
| Total domestic deposits to total assets | 84.8300% | 2,590 |
| Equity capital to assets | 6.0925% | 4,120 |
| Core capital (leverage) ratio | 7.8408% | 4,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7030% | 2,712 |
| Memoranda: | ||
| Average total assets | $123,194,333 | 3,644 |
| Average earning assets | $116,359,667 | 3,603 |
| Average equity | $7,247,667 | 4,044 |
| Average total loans | $88,157,000 | 3,318 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2676% | 2,882 |
| Cost of funding earning assets | 0.9925% | 2,073 |
| Net interest margin | 3.2751% | 2,937 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.6954% | 1,688 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6228% | 3,650 |
| Return on assets (ROA) | 0.6481% | 3,547 |
| Pretax return on assets | 0.7416% | 3,581 |
| Return on Equity (ROE) | 11.2100% | 2,440 |
| Retained earnings to average equity (ytd only) | -11.0995% | 4,498 |
| Net charge-offs to loans | -0.0046% | 3,610 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.0918% | 896 |
| Assets per employee ($millions) | 5.4682% | 3,248 |
| Cash dividends to net income (ytd only)* | 199.0050% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 3,864 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.4314% | 1,196 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 70.9400% | 1,529 |
| Net loans and leases to deposits | 85.2007% | 1,414 |
| Net loans and leases to core deposits | 90.9369% | 1,567 |
| Total domestic deposits to total assets | 83.2600% | 3,246 |
| Equity capital to assets | 5.9867% | 4,203 |
| Core capital (leverage) ratio | 7.4526% | 4,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8731% | 2,764 |
| Memoranda: | ||
| Average total assets | $124,061,500 | 3,678 |
| Average earning assets | $116,880,500 | 3,650 |
| Average equity | $7,171,500 | 4,098 |
| Average total loans | $86,575,000 | 3,375 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6469% | 2,665 |
| Cost of funding earning assets | 0.4879% | 1,481 |
| Net interest margin | 3.1590% | 2,991 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.5524% | 1,961 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6232% | 3,824 |
| Return on assets (ROA) | 0.6204% | 3,781 |
| Pretax return on assets | 0.7060% | 3,834 |
| Return on Equity (ROE) | 10.3100% | 2,713 |
| Retained earnings to average equity (ytd only) | 2.2064% | 3,934 |
| Net charge-offs to loans | 0.2120% | 388 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 5.1897% | 2,385 |
| Efficiency ratio | 78.2567% | 836 |
| Assets per employee ($millions) | 5.5575% | 3,159 |
| Cash dividends to net income (ytd only)* | 78.6076% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8548% | 3,908 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.4060% | 1,269 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 67.5100% | 1,884 |
| Net loans and leases to deposits | 82.0111% | 1,609 |
| Net loans and leases to core deposits | 87.4664% | 1,651 |
| Total domestic deposits to total assets | 82.3200% | 3,564 |
| Equity capital to assets | 5.5866% | 4,214 |
| Core capital (leverage) ratio | 7.5317% | 4,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9664% | 2,746 |
| Memoranda: | ||
| Average total assets | $127,329,400 | 3,657 |
| Average earning assets | $120,924,400 | 3,610 |
| Average equity | $7,659,600 | 4,132 |
| Average total loans | $82,062,200 | 3,385 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5629% | 2,439 |
| Cost of funding earning assets | 0.5052% | 739 |
| Net interest margin | 3.0577% | 3,058 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.5575% | 1,834 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5339% | 4,002 |
| Return on assets (ROA) | 0.5304% | 3,951 |
| Pretax return on assets | 0.6257% | 3,942 |
| Return on Equity (ROE) | 8.6600% | 3,124 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,329 |
| Net charge-offs to loans | -0.0016% | 3,233 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.2368% | 761 |
| Assets per employee ($millions) | 5.5120% | 3,203 |
| Cash dividends to net income (ytd only)* | 100.0000% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 2,875 |
| Loan loss allowance to noncurrent loans | 178.7938% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.7131% | 725 |
| Noncurrent loans to loans | 0.6330% | 1,284 |
| Net loans and leases to total assets | 63.3300% | 2,159 |
| Net loans and leases to deposits | 70.4304% | 2,324 |
| Net loans and leases to core deposits | 75.1880% | 2,260 |
| Total domestic deposits to total assets | 89.9200% | 1,700 |
| Equity capital to assets | 5.2005% | 4,235 |
| Core capital (leverage) ratio | 7.3554% | 4,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4177% | 2,682 |
| Memoranda: | ||
| Average total assets | $127,206,000 | 3,687 |
| Average earning assets | $121,134,750 | 3,631 |
| Average equity | $7,789,250 | 4,163 |
| Average total loans | $80,817,500 | 3,416 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4510% | 2,293 |
| Cost of funding earning assets | 0.5076% | 498 |
| Net interest margin | 2.9434% | 3,053 |
| Noninterest income to average assets | 0.2638% | 3,591 |
| Noninterest expense to average assets | 2.5159% | 1,880 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4516% | 3,999 |
| Return on assets (ROA) | 0.4413% | 3,976 |
| Pretax return on assets | 0.5402% | 3,939 |
| Return on Equity (ROE) | 6.8637% | 3,343 |
| Retained earnings to average equity (ytd only) | -2.6869% | 4,435 |
| Net charge-offs to loans | -0.0074% | 3,470 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9857% | 800 |
| Assets per employee ($millions) | 5.4134% | 3,312 |
| Cash dividends to net income (ytd only)* | 139.1459% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 2,956 |
| Loan loss allowance to noncurrent loans | 46,050.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 1,753 |
| Noncurrent loans to loans | 0.0025% | 3,997 |
| Net loans and leases to total assets | 63.8875% | 1,925 |
| Net loans and leases to deposits | 72.3242% | 2,001 |
| Net loans and leases to core deposits | 77.3965% | 1,898 |
| Total domestic deposits to total assets | 88.3349% | 2,446 |
| Equity capital to assets | 5.8478% | 4,258 |
| Core capital (leverage) ratio | 5.8090% | 4,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1922% | 3,076 |
| Memoranda: | ||
| Average total assets | $127,349,333 | 3,721 |
| Average earning assets | $121,355,667 | 3,678 |
| Average equity | $8,188,000 | 4,181 |
| Average total loans | $80,688,667 | 3,446 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2848% | 2,433 |
| Cost of funding earning assets | 0.5344% | 406 |
| Net interest margin | 2.7503% | 3,279 |
| Noninterest income to average assets | 0.2640% | 3,544 |
| Noninterest expense to average assets | 2.5379% | 1,788 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2335% | 4,275 |
| Return on assets (ROA) | 0.2237% | 4,259 |
| Pretax return on assets | 0.3355% | 4,138 |
| Return on Equity (ROE) | 3.3328% | 4,026 |
| Retained earnings to average equity (ytd only) | 3.3328% | 3,161 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9440% | 642 |
| Assets per employee ($millions) | 5.5620% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 2,998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 1,896 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 60.5384% | 2,009 |
| Net loans and leases to deposits | 68.1836% | 2,136 |
| Net loans and leases to core deposits | 72.7955% | 2,047 |
| Total domestic deposits to total assets | 88.7874% | 2,174 |
| Equity capital to assets | 6.4013% | 4,466 |
| Core capital (leverage) ratio | 6.4174% | 4,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6371% | 2,960 |
| Memoranda: | ||
| Average total assets | $128,770,000 | 3,727 |
| Average earning assets | $122,748,500 | 3,685 |
| Average equity | $8,641,500 | 4,191 |
| Average total loans | $80,800,000 | 3,446 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1383% | 1,099 |
| Cost of funding earning assets | 0.6283% | 471 |
| Net interest margin | 3.5100% | 1,701 |
| Noninterest income to average assets | 0.2647% | 3,797 |
| Noninterest expense to average assets | 2.6275% | 1,805 |
| Loan and lease loss provision to assets | 0.0577% | 1,903 |
| Net operating income to assets | 0.8496% | 3,190 |
| Return on assets (ROA) | 0.8527% | 3,246 |
| Pretax return on assets | 0.9047% | 3,507 |
| Return on Equity (ROE) | 11.2421% | 2,081 |
| Retained earnings to average equity (ytd only) | -1.4352% | 4,598 |
| Net charge-offs to loans | 0.2809% | 318 |
| Credit loss provision to net charge-offs | 29.9145% | 2,234 |
| Earnings coverage of net charge-offs (x) | 4.9701% | 2,471 |
| Efficiency ratio | 73.2582% | 1,394 |
| Assets per employee ($millions) | 5.6353% | 3,132 |
| Cash dividends to net income (ytd only)* | 112.7660% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 3,344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 2,030 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 63.5114% | 1,763 |
| Net loans and leases to deposits | 72.0334% | 1,905 |
| Net loans and leases to core deposits | 77.0878% | 1,832 |
| Total domestic deposits to total assets | 88.1694% | 1,946 |
| Equity capital to assets | 7.0163% | 4,713 |
| Core capital (leverage) ratio | 7.2291% | 4,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9101% | 2,910 |
| Memoranda: | ||
| Average total assets | $121,255,600 | 3,785 |
| Average earning assets | $114,756,800 | 3,751 |
| Average equity | $9,197,600 | 4,225 |
| Average total loans | $83,298,400 | 3,422 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3751% | 848 |
| Cost of funding earning assets | 0.6537% | 491 |
| Net interest margin | 3.7213% | 1,292 |
| Noninterest income to average assets | 0.2808% | 3,754 |
| Noninterest expense to average assets | 2.7222% | 1,529 |
| Loan and lease loss provision to assets | 0.0780% | 1,508 |
| Net operating income to assets | 1.0003% | 2,906 |
| Return on assets (ROA) | 0.9958% | 2,998 |
| Pretax return on assets | 0.9980% | 3,462 |
| Return on Equity (ROE) | 12.8654% | 1,737 |
| Retained earnings to average equity (ytd only) | -1.5178% | 4,685 |
| Net charge-offs to loans | 0.3761% | 206 |
| Credit loss provision to net charge-offs | 29.7872% | 1,955 |
| Earnings coverage of net charge-offs (x) | 4.1106% | 2,282 |
| Efficiency ratio | 71.5799% | 1,438 |
| Assets per employee ($millions) | 5.2503% | 3,454 |
| Cash dividends to net income (ytd only)* | 111.7978% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 3,417 |
| Loan loss allowance to noncurrent loans | 18,340.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 2,145 |
| Noncurrent loans to loans | 0.0060% | 4,164 |
| Net loans and leases to total assets | 67.9596% | 1,327 |
| Net loans and leases to deposits | 79.4597% | 1,335 |
| Net loans and leases to core deposits | 85.6648% | 1,315 |
| Total domestic deposits to total assets | 85.5271% | 2,933 |
| Equity capital to assets | 7.6211% | 4,670 |
| Core capital (leverage) ratio | 7.6741% | 4,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2098% | 2,922 |
| Memoranda: | ||
| Average total assets | $119,166,250 | 3,851 |
| Average earning assets | $112,788,000 | 3,819 |
| Average equity | $9,223,500 | 4,278 |
| Average total loans | $83,313,750 | 3,470 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7183% | 521 |
| Cost of funding earning assets | 0.6873% | 495 |
| Net interest margin | 4.0310% | 779 |
| Noninterest income to average assets | 0.2697% | 3,786 |
| Noninterest expense to average assets | 2.7361% | 1,491 |
| Loan and lease loss provision to assets | 0.1180% | 1,072 |
| Net operating income to assets | 1.2189% | 2,112 |
| Return on assets (ROA) | 1.2307% | 2,147 |
| Pretax return on assets | 1.2340% | 2,820 |
| Return on Equity (ROE) | 15.8174% | 990 |
| Retained earnings to average equity (ytd only) | -2.0151% | 4,668 |
| Net charge-offs to loans | 0.5634% | 143 |
| Credit loss provision to net charge-offs | 29.7872% | 1,703 |
| Earnings coverage of net charge-offs (x) | 3.3830% | 2,076 |
| Efficiency ratio | 67.1216% | 1,999 |
| Assets per employee ($millions) | 5.1673% | 3,490 |
| Cash dividends to net income (ytd only)* | 112.7397% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 3,420 |
| Loan loss allowance to noncurrent loans | 18,340.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.5006% | 1,667 |
| Noncurrent loans to loans | 0.0060% | 4,223 |
| Net loans and leases to total assets | 69.4187% | 1,273 |
| Net loans and leases to deposits | 81.3854% | 1,290 |
| Net loans and leases to core deposits | 87.8644% | 1,275 |
| Total domestic deposits to total assets | 85.2962% | 2,986 |
| Equity capital to assets | 7.7781% | 4,642 |
| Core capital (leverage) ratio | 7.7440% | 4,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3955% | 2,882 |
| Memoranda: | ||
| Average total assets | $118,636,000 | 3,869 |
| Average earning assets | $112,031,333 | 3,835 |
| Average equity | $9,230,333 | 4,299 |
| Average total loans | $83,424,000 | 3,491 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1358% | 299 |
| Cost of funding earning assets | 0.7684% | 413 |
| Net interest margin | 4.3674% | 456 |
| Noninterest income to average assets | 0.2261% | 4,030 |
| Noninterest expense to average assets | 2.8921% | 1,168 |
| Loan and lease loss provision to assets | 0.2025% | 597 |
| Net operating income to assets | 1.2490% | 1,979 |
| Return on assets (ROA) | 1.2824% | 1,954 |
| Pretax return on assets | 1.2891% | 2,595 |
| Return on Equity (ROE) | 16.4796% | 931 |
| Retained earnings to average equity (ytd only) | -12.4465% | 4,855 |
| Net charge-offs to loans | 1.1363% | 64 |
| Credit loss provision to net charge-offs | 25.3165% | 1,398 |
| Earnings coverage of net charge-offs (x) | 1.8228% | 1,831 |
| Efficiency ratio | 66.4856% | 2,161 |
| Assets per employee ($millions) | 5.0778% | 3,556 |
| Cash dividends to net income (ytd only)* | 175.5263% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 3,431 |
| Loan loss allowance to noncurrent loans | 18,100.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.6031% | 1,583 |
| Noncurrent loans to loans | 0.0061% | 4,301 |
| Net loans and leases to total assets | 66.7753% | 1,689 |
| Net loans and leases to deposits | 79.7423% | 1,545 |
| Net loans and leases to core deposits | 86.0349% | 1,516 |
| Total domestic deposits to total assets | 83.7388% | 3,511 |
| Equity capital to assets | 7.4401% | 4,729 |
| Core capital (leverage) ratio | 7.7819% | 4,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0997% | 2,633 |
| Memoranda: | ||
| Average total assets | $118,530,500 | 3,879 |
| Average earning assets | $111,920,000 | 3,844 |
| Average equity | $9,223,500 | 4,306 |
| Average total loans | $83,426,500 | 3,505 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9516% | 537 |
| Cost of funding earning assets | 0.8966% | 865 |
| Net interest margin | 4.0551% | 866 |
| Noninterest income to average assets | 0.2355% | 4,091 |
| Noninterest expense to average assets | 2.7963% | 1,948 |
| Loan and lease loss provision to assets | 0.1070% | 3,000 |
| Net operating income to assets | 1.0267% | 2,190 |
| Return on assets (ROA) | 1.0528% | 2,232 |
| Pretax return on assets | 1.0547% | 2,861 |
| Return on Equity (ROE) | 12.1817% | 1,273 |
| Retained earnings to average equity (ytd only) | 3.3174% | 3,167 |
| Net charge-offs to loans | 0.2327% | 749 |
| Credit loss provision to net charge-offs | 56.6502% | 3,100 |
| Earnings coverage of net charge-offs (x) | 6.0099% | 2,819 |
| Efficiency ratio | 71.1174% | 1,791 |
| Assets per employee ($millions) | 4.7998% | 3,607 |
| Cash dividends to net income (ytd only)* | 72.7675% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 2,515 |
| Loan loss allowance to noncurrent loans | 135.2500% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.8681% | 1,152 |
| Noncurrent loans to loans | 0.9460% | 1,494 |
| Net loans and leases to total assets | 72.4769% | 1,230 |
| Net loans and leases to deposits | 87.4084% | 1,140 |
| Net loans and leases to core deposits | 94.7049% | 1,200 |
| Total domestic deposits to total assets | 82.9175% | 3,436 |
| Equity capital to assets | 8.1428% | 4,646 |
| Core capital (leverage) ratio | 8.1990% | 4,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,426,600 | 3,905 |
| Average earning assets | $97,927,000 | 3,911 |
| Average equity | $9,284,400 | 4,272 |
| Average total loans | $87,250,200 | 3,448 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2507% | 376 |
| Cost of funding earning assets | 0.9157% | 1,016 |
| Net interest margin | 4.3350% | 550 |
| Noninterest income to average assets | 0.2579% | 3,939 |
| Noninterest expense to average assets | 2.8730% | 1,765 |
| Loan and lease loss provision to assets | 0.1204% | 2,824 |
| Net operating income to assets | 1.1755% | 1,726 |
| Return on assets (ROA) | 1.1755% | 1,847 |
| Pretax return on assets | 1.1780% | 2,462 |
| Return on Equity (ROE) | 13.3899% | 1,005 |
| Retained earnings to average equity (ytd only) | 3.8298% | 3,126 |
| Net charge-offs to loans | 0.3139% | 505 |
| Credit loss provision to net charge-offs | 45.8937% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4.9614% | 2,776 |
| Efficiency ratio | 68.8788% | 2,062 |
| Assets per employee ($millions) | 4.7317% | 3,562 |
| Cash dividends to net income (ytd only)* | 71.3978% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 2,452 |
| Loan loss allowance to noncurrent loans | 106.7608% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 1.0944% | 957 |
| Noncurrent loans to loans | 1.1601% | 1,305 |
| Net loans and leases to total assets | 77.5227% | 894 |
| Net loans and leases to deposits | 94.5734% | 873 |
| Net loans and leases to core deposits | 102.7475% | 995 |
| Total domestic deposits to total assets | 81.9710% | 3,426 |
| Equity capital to assets | 8.5831% | 4,413 |
| Core capital (leverage) ratio | 8.5738% | 4,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,484,750 | 3,921 |
| Average earning assets | $95,223,250 | 3,951 |
| Average equity | $9,260,500 | 4,295 |
| Average total loans | $87,920,000 | 3,453 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4130% | 394 |
| Cost of funding earning assets | 0.9356% | 1,213 |
| Net interest margin | 4.4774% | 529 |
| Noninterest income to average assets | 0.2434% | 4,027 |
| Noninterest expense to average assets | 2.8744% | 1,898 |
| Loan and lease loss provision to assets | 0.1150% | 2,870 |
| Net operating income to assets | 1.3625% | 1,196 |
| Return on assets (ROA) | 1.3625% | 1,288 |
| Pretax return on assets | 1.3625% | 1,828 |
| Return on Equity (ROE) | 15.4002% | 648 |
| Retained earnings to average equity (ytd only) | 3.9638% | 2,927 |
| Net charge-offs to loans | 0.0068% | 2,720 |
| Credit loss provision to net charge-offs | 2,000.0000% | 478 |
| Earnings coverage of net charge-offs (x) | 257.0000% | 364 |
| Efficiency ratio | 66.0502% | 2,510 |
| Assets per employee ($millions) | 4.7428% | 3,481 |
| Cash dividends to net income (ytd only)* | 74.2616% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 1,668 |
| Loan loss allowance to noncurrent loans | 103.4570% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 1.0872% | 1,055 |
| Noncurrent loans to loans | 1.3301% | 1,160 |
| Net loans and leases to total assets | 80.6177% | 523 |
| Net loans and leases to deposits | 98.2954% | 636 |
| Net loans and leases to core deposits | 109.4052% | 761 |
| Total domestic deposits to total assets | 82.0157% | 3,367 |
| Equity capital to assets | 8.4907% | 4,483 |
| Core capital (leverage) ratio | 8.8139% | 4,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,369,667 | 3,935 |
| Average earning assets | $95,770,000 | 3,942 |
| Average equity | $9,233,667 | 4,318 |
| Average total loans | $88,751,333 | 3,441 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1753% | 692 |
| Cost of funding earning assets | 0.9643% | 1,587 |
| Net interest margin | 4.2110% | 899 |
| Noninterest income to average assets | 0.2902% | 3,790 |
| Noninterest expense to average assets | 2.9800% | 1,932 |
| Loan and lease loss provision to assets | 0.1176% | 2,218 |
| Net operating income to assets | 1.1057% | 1,825 |
| Return on assets (ROA) | 1.1057% | 1,918 |
| Pretax return on assets | 1.1136% | 2,467 |
| Return on Equity (ROE) | 12.2349% | 1,048 |
| Retained earnings to average equity (ytd only) | 12.2349% | 396 |
| Net charge-offs to loans | 0.0181% | 2,008 |
| Credit loss provision to net charge-offs | 750.0000% | 687 |
| Earnings coverage of net charge-offs (x) | 78.5000% | 678 |
| Efficiency ratio | 70.7635% | 2,251 |
| Assets per employee ($millions) | 4.4269% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 1,905 |
| Loan loss allowance to noncurrent loans | 96.3739% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 1.2188% | 1,002 |
| Noncurrent loans to loans | 1.4019% | 1,135 |
| Net loans and leases to total assets | 85.7679% | 155 |
| Net loans and leases to deposits | 109.9780% | 189 |
| Net loans and leases to core deposits | 121.4120% | 430 |
| Total domestic deposits to total assets | 77.9864% | 4,224 |
| Equity capital to assets | 9.1928% | 4,471 |
| Core capital (leverage) ratio | 9.4142% | 4,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,012,500 | 3,960 |
| Average earning assets | $94,989,000 | 3,945 |
| Average equity | $9,219,500 | 4,339 |
| Average total loans | $88,543,000 | 3,429 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2291% | 932 |
| Cost of funding earning assets | 1.0594% | 1,481 |
| Net interest margin | 4.1698% | 1,377 |
| Noninterest income to average assets | 0.2955% | 3,916 |
| Noninterest expense to average assets | 3.0002% | 2,017 |
| Loan and lease loss provision to assets | 0.2265% | 850 |
| Net operating income to assets | 0.9436% | 3,045 |
| Return on assets (ROA) | 0.9436% | 3,130 |
| Pretax return on assets | 0.9495% | 3,605 |
| Return on Equity (ROE) | 10.5642% | 2,058 |
| Retained earnings to average equity (ytd only) | -5.1056% | 4,987 |
| Net charge-offs to loans | 0.5344% | 346 |
| Credit loss provision to net charge-offs | 48.6258% | 3,144 |
| Earnings coverage of net charge-offs (x) | 2.5243% | 3,407 |
| Efficiency ratio | 71.8396% | 1,892 |
| Assets per employee ($millions) | 4.4437% | 3,311 |
| Cash dividends to net income (ytd only)* | 148.3299% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 1,832 |
| Loan loss allowance to noncurrent loans | 139.2857% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.8219% | 1,571 |
| Noncurrent loans to loans | 0.9485% | 1,616 |
| Net loans and leases to total assets | 85.5057% | 203 |
| Net loans and leases to deposits | 106.0531% | 299 |
| Net loans and leases to core deposits | 118.2107% | 534 |
| Total domestic deposits to total assets | 80.6254% | 3,848 |
| Equity capital to assets | 8.8830% | 4,748 |
| Core capital (leverage) ratio | 9.0561% | 4,483 |
| Tier 1 risk-based capital ratio | 10.4347% | 5,039 |
| Total risk-based capital ratio | 11.6860% | 4,971 |
| Memoranda: | ||
| Average total assets | $101,526,400 | 3,978 |
| Average earning assets | $94,489,800 | 3,957 |
| Average equity | $9,068,400 | 4,367 |
| Average total loans | $88,513,800 | 3,437 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2023% | 1,038 |
| Cost of funding earning assets | 1.0769% | 1,441 |
| Net interest margin | 4.1253% | 1,562 |
| Noninterest income to average assets | 0.3157% | 3,865 |
| Noninterest expense to average assets | 3.0426% | 1,852 |
| Loan and lease loss provision to assets | 0.2762% | 556 |
| Net operating income to assets | 0.8314% | 3,573 |
| Return on assets (ROA) | 0.8314% | 3,653 |
| Pretax return on assets | 0.8366% | 4,042 |
| Return on Equity (ROE) | 9.2949% | 2,762 |
| Retained earnings to average equity (ytd only) | -8.9712% | 5,134 |
| Net charge-offs to loans | 0.6689% | 237 |
| Credit loss provision to net charge-offs | 47.2973% | 2,814 |
| Earnings coverage of net charge-offs (x) | 1.9054% | 3,242 |
| Efficiency ratio | 73.2194% | 1,669 |
| Assets per employee ($millions) | 4.2256% | 3,581 |
| Cash dividends to net income (ytd only)* | 196.5181% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 1,849 |
| Loan loss allowance to noncurrent loans | 141.7067% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.8204% | 1,684 |
| Noncurrent loans to loans | 0.9373% | 1,717 |
| Net loans and leases to total assets | 86.3658% | 170 |
| Net loans and leases to deposits | 114.2360% | 136 |
| Net loans and leases to core deposits | 128.4305% | 323 |
| Total domestic deposits to total assets | 75.6030% | 4,685 |
| Equity capital to assets | 8.8075% | 4,874 |
| Core capital (leverage) ratio | 8.8019% | 4,774 |
| Tier 1 risk-based capital ratio | 10.1194% | 5,172 |
| Total risk-based capital ratio | 11.3700% | 5,101 |
| Memoranda: | ||
| Average total assets | $101,356,500 | 4,020 |
| Average earning assets | $94,341,250 | 4,007 |
| Average equity | $9,065,750 | 4,413 |
| Average total loans | $88,501,750 | 3,472 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1036% | 1,212 |
| Cost of funding earning assets | 1.0474% | 1,508 |
| Net interest margin | 4.0562% | 1,737 |
| Noninterest income to average assets | 0.3236% | 3,775 |
| Noninterest expense to average assets | 3.0012% | 2,004 |
| Loan and lease loss provision to assets | 0.2762% | 535 |
| Net operating income to assets | 0.8169% | 3,596 |
| Return on assets (ROA) | 0.8169% | 3,652 |
| Pretax return on assets | 0.8208% | 4,045 |
| Return on Equity (ROE) | 9.0654% | 2,825 |
| Retained earnings to average equity (ytd only) | -14.2331% | 5,213 |
| Net charge-offs to loans | 1.0044% | 141 |
| Credit loss provision to net charge-offs | 31.5315% | 2,591 |
| Earnings coverage of net charge-offs (x) | 1.2523% | 3,036 |
| Efficiency ratio | 73.2306% | 1,744 |
| Assets per employee ($millions) | 4.2860% | 3,455 |
| Cash dividends to net income (ytd only)* | 257.0048% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 2,326 |
| Loan loss allowance to noncurrent loans | 85.5710% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 1.2599% | 1,036 |
| Noncurrent loans to loans | 1.4437% | 1,071 |
| Net loans and leases to total assets | 86.1895% | 199 |
| Net loans and leases to deposits | 116.1814% | 116 |
| Net loans and leases to core deposits | 128.9871% | 338 |
| Total domestic deposits to total assets | 74.1853% | 4,820 |
| Equity capital to assets | 8.6464% | 4,981 |
| Core capital (leverage) ratio | 8.8762% | 4,737 |
| Tier 1 risk-based capital ratio | 9.8929% | 5,240 |
| Total risk-based capital ratio | 11.1264% | 5,194 |
| Memoranda: | ||
| Average total assets | $101,360,670 | 4,045 |
| Average earning assets | $94,324,670 | 4,032 |
| Average equity | $9,133,670 | 4,416 |
| Average total loans | $88,413,670 | 3,494 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9722% | 1,406 |
| Cost of funding earning assets | 0.9919% | 1,597 |
| Net interest margin | 3.9803% | 1,910 |
| Noninterest income to average assets | 0.3101% | 3,795 |
| Noninterest expense to average assets | 2.9421% | 2,150 |
| Loan and lease loss provision to assets | 0.1193% | 1,468 |
| Net operating income to assets | 0.9502% | 3,049 |
| Return on assets (ROA) | 0.9502% | 3,092 |
| Pretax return on assets | 0.9502% | 3,611 |
| Return on Equity (ROE) | 10.3312% | 2,228 |
| Retained earnings to average equity (ytd only) | -24.4232% | 5,287 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3399% | 1,837 |
| Assets per employee ($millions) | 4.3366% | 3,440 |
| Cash dividends to net income (ytd only)* | 336.4017% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6523% | 958 |
| Loan loss allowance to noncurrent loans | 70.1652% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 2.0633% | 457 |
| Noncurrent loans to loans | 2.3549% | 573 |
| Net loans and leases to total assets | 86.1712% | 177 |
| Net loans and leases to deposits | 114.5927% | 143 |
| Net loans and leases to core deposits | 127.3643% | 350 |
| Total domestic deposits to total assets | 75.1978% | 4,840 |
| Equity capital to assets | 8.9973% | 4,685 |
| Core capital (leverage) ratio | 9.0840% | 4,590 |
| Tier 1 risk-based capital ratio | 10.5681% | 5,162 |
| Total risk-based capital ratio | 11.8234% | 5,057 |
| Memoranda: | ||
| Average total assets | $100,609,000 | 4,101 |
| Average earning assets | $93,560,000 | 4,085 |
| Average equity | $9,253,500 | 4,432 |
| Average total loans | $87,737,000 | 3,546 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0358% | 971 |
| Cost of funding earning assets | 0.9039% | 1,073 |
| Net interest margin | 4.1318% | 1,584 |
| Noninterest income to average assets | 0.3313% | 3,891 |
| Noninterest expense to average assets | 2.8283% | 2,586 |
| Loan and lease loss provision to assets | 0.0309% | 3,569 |
| Net operating income to assets | 1.2982% | 1,808 |
| Return on assets (ROA) | 1.2982% | 1,798 |
| Pretax return on assets | 1.3002% | 2,500 |
| Return on Equity (ROE) | 14.5884% | 922 |
| Retained earnings to average equity (ytd only) | 5.5900% | 2,422 |
| Net charge-offs to loans | -0.1388% | 5,212 |
| Credit loss provision to net charge-offs | -25.3968% | 4,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9981% | 2,549 |
| Assets per employee ($millions) | 4.4120% | 3,292 |
| Cash dividends to net income (ytd only)* | 61.6815% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6042% | 1,023 |
| Loan loss allowance to noncurrent loans | 59.5700% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 2.3375% | 349 |
| Noncurrent loans to loans | 2.6929% | 425 |
| Net loans and leases to total assets | 85.4075% | 275 |
| Net loans and leases to deposits | 107.6326% | 317 |
| Net loans and leases to core deposits | 117.8865% | 622 |
| Total domestic deposits to total assets | 79.3510% | 4,245 |
| Equity capital to assets | 9.3942% | 4,221 |
| Core capital (leverage) ratio | 9.4058% | 4,230 |
| Tier 1 risk-based capital ratio | 11.0764% | 4,937 |
| Total risk-based capital ratio | 12.3312% | 4,829 |
| Memoranda: | ||
| Average total assets | $103,524,800 | 4,045 |
| Average earning assets | $95,913,800 | 4,041 |
| Average equity | $9,212,800 | 4,434 |
| Average total loans | $90,804,000 | 3,465 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9889% | 958 |
| Cost of funding earning assets | 0.8849% | 985 |
| Net interest margin | 4.1039% | 1,614 |
| Noninterest income to average assets | 0.3076% | 4,088 |
| Noninterest expense to average assets | 2.7951% | 2,650 |
| Loan and lease loss provision to assets | 0.0154% | 3,702 |
| Net operating income to assets | 1.2982% | 1,867 |
| Return on assets (ROA) | 1.2982% | 1,870 |
| Pretax return on assets | 1.3008% | 2,628 |
| Return on Equity (ROE) | 14.7889% | 923 |
| Retained earnings to average equity (ytd only) | 4.7009% | 3,394 |
| Net charge-offs to loans | -0.1836% | 5,285 |
| Credit loss provision to net charge-offs | -9.5238% | 4,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9863% | 2,542 |
| Assets per employee ($millions) | 4.4210% | 3,241 |
| Cash dividends to net income (ytd only)* | 68.2134% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5680% | 1,158 |
| Loan loss allowance to noncurrent loans | 57.0201% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 2.4025% | 375 |
| Noncurrent loans to loans | 2.7498% | 439 |
| Net loans and leases to total assets | 86.0007% | 263 |
| Net loans and leases to deposits | 114.0381% | 183 |
| Net loans and leases to core deposits | 123.7252% | 472 |
| Total domestic deposits to total assets | 75.4140% | 4,845 |
| Equity capital to assets | 9.1814% | 4,386 |
| Core capital (leverage) ratio | 9.0980% | 4,614 |
| Tier 1 risk-based capital ratio | 10.6930% | 5,176 |
| Total risk-based capital ratio | 11.9473% | 5,081 |
| Memoranda: | ||
| Average total assets | $104,036,750 | 4,077 |
| Average earning assets | $96,425,000 | 4,072 |
| Average equity | $9,132,750 | 4,489 |
| Average total loans | $91,484,500 | 3,471 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9486% | 923 |
| Cost of funding earning assets | 0.8505% | 913 |
| Net interest margin | 4.0981% | 1,567 |
| Noninterest income to average assets | 0.3205% | 4,040 |
| Noninterest expense to average assets | 2.8010% | 2,655 |
| Loan and lease loss provision to assets | -0.0153% | 5,316 |
| Net operating income to assets | 1.3280% | 1,668 |
| Return on assets (ROA) | 1.3280% | 1,673 |
| Pretax return on assets | 1.3318% | 2,387 |
| Return on Equity (ROE) | 15.3558% | 783 |
| Retained earnings to average equity (ytd only) | 3.1550% | 3,989 |
| Net charge-offs to loans | -0.2707% | 5,371 |
| Credit loss provision to net charge-offs | 6.4000% | 2,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0259% | 2,641 |
| Assets per employee ($millions) | 4.5506% | 3,049 |
| Cash dividends to net income (ytd only)* | 79.4540% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4746% | 1,471 |
| Loan loss allowance to noncurrent loans | 61.9693% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 2.1153% | 488 |
| Noncurrent loans to loans | 2.3796% | 560 |
| Net loans and leases to total assets | 87.5841% | 162 |
| Net loans and leases to deposits | 116.6243% | 148 |
| Net loans and leases to core deposits | 128.2873% | 363 |
| Total domestic deposits to total assets | 75.0994% | 4,949 |
| Equity capital to assets | 8.7556% | 4,758 |
| Core capital (leverage) ratio | 8.7628% | 4,923 |
| Tier 1 risk-based capital ratio | 9.8395% | 5,457 |
| Total risk-based capital ratio | 11.0925% | 5,412 |
| Memoranda: | ||
| Average total assets | $104,821,000 | 4,094 |
| Average earning assets | $97,117,670 | 4,090 |
| Average equity | $9,065,000 | 4,533 |
| Average total loans | $92,365,330 | 3,474 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8461% | 988 |
| Cost of funding earning assets | 0.7856% | 1,014 |
| Net interest margin | 4.0605% | 1,537 |
| Noninterest income to average assets | 0.4995% | 2,801 |
| Noninterest expense to average assets | 2.7912% | 2,719 |
| Loan and lease loss provision to assets | -0.0686% | 5,486 |
| Net operating income to assets | 1.5138% | 1,050 |
| Return on assets (ROA) | 1.5138% | 1,049 |
| Pretax return on assets | 1.5215% | 1,624 |
| Return on Equity (ROE) | 17.6141% | 451 |
| Retained earnings to average equity (ytd only) | -0.7543% | 4,891 |
| Net charge-offs to loans | -0.5390% | 5,502 |
| Credit loss provision to net charge-offs | 14.5161% | 2,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7682% | 3,214 |
| Assets per employee ($millions) | 4.4974% | 3,165 |
| Cash dividends to net income (ytd only)* | 104.2821% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 1,546 |
| Loan loss allowance to noncurrent loans | 65.6536% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 2.1152% | 515 |
| Noncurrent loans to loans | 2.2506% | 655 |
| Net loans and leases to total assets | 87.7291% | 147 |
| Net loans and leases to deposits | 116.4991% | 149 |
| Net loans and leases to core deposits | 126.4925% | 410 |
| Total domestic deposits to total assets | 75.3045% | 5,040 |
| Equity capital to assets | 8.7036% | 4,823 |
| Core capital (leverage) ratio | 8.7840% | 4,909 |
| Tier 1 risk-based capital ratio | 9.7689% | 5,535 |
| Total risk-based capital ratio | 11.0220% | 5,503 |
| Memoranda: | ||
| Average total assets | $104,899,500 | 4,145 |
| Average earning assets | $96,737,000 | 4,148 |
| Average equity | $9,015,500 | 4,581 |
| Average total loans | $92,027,500 | 3,502 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7459% | 1,085 |
| Cost of funding earning assets | 0.6148% | 1,505 |
| Net interest margin | 4.1311% | 1,346 |
| Noninterest income to average assets | 0.3139% | 4,218 |
| Noninterest expense to average assets | 2.7989% | 2,783 |
| Loan and lease loss provision to assets | 0.0883% | 2,421 |
| Net operating income to assets | 1.2479% | 1,367 |
| Return on assets (ROA) | 1.2479% | 1,388 |
| Pretax return on assets | 1.2498% | 2,554 |
| Return on Equity (ROE) | 14.2553% | 727 |
| Retained earnings to average equity (ytd only) | 4.0906% | 2,717 |
| Net charge-offs to loans | 0.1182% | 1,861 |
| Credit loss provision to net charge-offs | 84.9057% | 2,869 |
| Earnings coverage of net charge-offs (x) | 12.8679% | 2,441 |
| Efficiency ratio | 67.6547% | 2,968 |
| Assets per employee ($millions) | 4.4336% | 3,303 |
| Cash dividends to net income (ytd only)* | 71.3050% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 2,160 |
| Loan loss allowance to noncurrent loans | 50.2917% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 2.3636% | 416 |
| Noncurrent loans to loans | 2.6102% | 497 |
| Net loans and leases to total assets | 85.2763% | 315 |
| Net loans and leases to deposits | 111.8273% | 220 |
| Net loans and leases to core deposits | 119.5426% | 603 |
| Total domestic deposits to total assets | 76.2572% | 4,948 |
| Equity capital to assets | 8.5295% | 5,103 |
| Core capital (leverage) ratio | 8.8542% | 4,803 |
| Tier 1 risk-based capital ratio | 9.8198% | 5,563 |
| Total risk-based capital ratio | 11.0704% | 5,528 |
| Memoranda: | ||
| Average total assets | $101,934,600 | 4,202 |
| Average earning assets | $94,333,400 | 4,194 |
| Average equity | $8,923,000 | 4,627 |
| Average total loans | $89,661,400 | 3,535 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7825% | 958 |
| Cost of funding earning assets | 0.5875% | 1,621 |
| Net interest margin | 4.1950% | 1,161 |
| Noninterest income to average assets | 0.3174% | 4,270 |
| Noninterest expense to average assets | 2.7918% | 2,755 |
| Loan and lease loss provision to assets | 0.0794% | 2,496 |
| Net operating income to assets | 1.3450% | 1,211 |
| Return on assets (ROA) | 1.3450% | 1,232 |
| Pretax return on assets | 1.3463% | 2,304 |
| Return on Equity (ROE) | 15.2618% | 623 |
| Retained earnings to average equity (ytd only) | 4.0968% | 3,479 |
| Net charge-offs to loans | -0.0419% | 5,109 |
| Credit loss provision to net charge-offs | -214.2857% | 4,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1963% | 3,178 |
| Assets per employee ($millions) | 3.9999% | 3,992 |
| Cash dividends to net income (ytd only)* | 73.1565% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 1,653 |
| Loan loss allowance to noncurrent loans | 49.5465% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 2.7611% | 344 |
| Noncurrent loans to loans | 2.9636% | 438 |
| Net loans and leases to total assets | 87.9746% | 155 |
| Net loans and leases to deposits | 120.8971% | 88 |
| Net loans and leases to core deposits | 127.6066% | 378 |
| Total domestic deposits to total assets | 72.7682% | 5,335 |
| Equity capital to assets | 9.0003% | 4,913 |
| Core capital (leverage) ratio | 8.9957% | 4,743 |
| Tier 1 risk-based capital ratio | 10.0768% | 5,583 |
| Total risk-based capital ratio | 11.3295% | 5,536 |
| Memoranda: | ||
| Average total assets | $100,816,500 | 4,266 |
| Average earning assets | $93,728,750 | 4,243 |
| Average equity | $8,884,750 | 4,684 |
| Average total loans | $89,090,000 | 3,578 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7787% | 898 |
| Cost of funding earning assets | 0.5661% | 1,674 |
| Net interest margin | 4.2126% | 1,054 |
| Noninterest income to average assets | 0.3541% | 4,025 |
| Noninterest expense to average assets | 2.7738% | 2,848 |
| Loan and lease loss provision to assets | 0.0989% | 2,034 |
| Net operating income to assets | 1.3810% | 1,106 |
| Return on assets (ROA) | 1.3810% | 1,132 |
| Pretax return on assets | 1.3829% | 2,087 |
| Return on Equity (ROE) | 15.7806% | 558 |
| Retained earnings to average equity (ytd only) | 2.6452% | 4,117 |
| Net charge-offs to loans | -0.0607% | 5,252 |
| Credit loss provision to net charge-offs | -185.1852% | 4,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1790% | 3,478 |
| Assets per employee ($millions) | 4.3278% | 3,385 |
| Cash dividends to net income (ytd only)* | 83.2378% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4552% | 1,740 |
| Loan loss allowance to noncurrent loans | 51.2618% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 2.6833% | 377 |
| Noncurrent loans to loans | 2.8387% | 478 |
| Net loans and leases to total assets | 88.4438% | 128 |
| Net loans and leases to deposits | 118.7507% | 107 |
| Net loans and leases to core deposits | 123.6266% | 446 |
| Total domestic deposits to total assets | 74.4786% | 5,251 |
| Equity capital to assets | 8.8899% | 5,000 |
| Core capital (leverage) ratio | 8.8420% | 4,905 |
| Tier 1 risk-based capital ratio | 9.8984% | 5,652 |
| Total risk-based capital ratio | 11.1508% | 5,614 |
| Memoranda: | ||
| Average total assets | $101,089,670 | 4,284 |
| Average earning assets | $93,624,000 | 4,274 |
| Average equity | $8,846,330 | 4,710 |
| Average total loans | $89,025,670 | 3,595 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7700% | 799 |
| Cost of funding earning assets | 0.5471% | 1,736 |
| Net interest margin | 4.2229% | 940 |
| Noninterest income to average assets | 0.4241% | 3,492 |
| Noninterest expense to average assets | 2.7802% | 2,864 |
| Loan and lease loss provision to assets | 0.1178% | 1,620 |
| Net operating income to assets | 1.4058% | 988 |
| Return on assets (ROA) | 1.4058% | 1,019 |
| Pretax return on assets | 1.4058% | 1,873 |
| Return on Equity (ROE) | 16.1899% | 506 |
| Retained earnings to average equity (ytd only) | 10.8536% | 631 |
| Net charge-offs to loans | -0.0270% | 4,881 |
| Credit loss provision to net charge-offs | -500.0000% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5985% | 3,726 |
| Assets per employee ($millions) | 4.2558% | 3,578 |
| Cash dividends to net income (ytd only)* | 32.9609% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4095% | 2,038 |
| Loan loss allowance to noncurrent loans | 89.6085% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.5078% | 1,060 |
| Noncurrent loans to loans | 1.5729% | 1,243 |
| Net loans and leases to total assets | 86.2216% | 208 |
| Net loans and leases to deposits | 119.5691% | 93 |
| Net loans and leases to core deposits | 124.5105% | 351 |
| Total domestic deposits to total assets | 72.1103% | 5,535 |
| Equity capital to assets | 8.7803% | 5,013 |
| Core capital (leverage) ratio | 8.9517% | 4,796 |
| Tier 1 risk-based capital ratio | 10.2064% | 5,649 |
| Total risk-based capital ratio | 11.4583% | 5,597 |
| Memoranda: | ||
| Average total assets | $101,864,500 | 4,314 |
| Average earning assets | $93,584,000 | 4,319 |
| Average equity | $8,845,000 | 4,744 |
| Average total loans | $88,870,000 | 3,620 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7163% | 1,037 |
| Cost of funding earning assets | 0.4741% | 2,313 |
| Net interest margin | 4.2422% | 1,028 |
| Noninterest income to average assets | 0.3489% | 4,239 |
| Noninterest expense to average assets | 2.8678% | 2,788 |
| Loan and lease loss provision to assets | 0.2082% | 1,088 |
| Net operating income to assets | 1.2361% | 1,391 |
| Return on assets (ROA) | 1.2361% | 1,479 |
| Pretax return on assets | 1.2381% | 2,521 |
| Return on Equity (ROE) | 14.5314% | 696 |
| Retained earnings to average equity (ytd only) | -0.7458% | 5,414 |
| Net charge-offs to loans | 0.0101% | 3,927 |
| Credit loss provision to net charge-offs | 2,333.3333% | 184 |
| Earnings coverage of net charge-offs (x) | 162.1111% | 401 |
| Efficiency ratio | 66.4752% | 3,514 |
| Assets per employee ($millions) | 4.2330% | 3,561 |
| Cash dividends to net income (ytd only)* | 105.1323% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3832% | 2,151 |
| Loan loss allowance to noncurrent loans | 84.1128% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.5641% | 1,037 |
| Noncurrent loans to loans | 1.6445% | 1,184 |
| Net loans and leases to total assets | 85.8275% | 243 |
| Net loans and leases to deposits | 114.0240% | 158 |
| Net loans and leases to core deposits | 118.1029% | 541 |
| Total domestic deposits to total assets | 75.2714% | 5,322 |
| Equity capital to assets | 8.5854% | 5,203 |
| Core capital (leverage) ratio | 8.6671% | 5,109 |
| Tier 1 risk-based capital ratio | 10.0655% | 5,721 |
| Total risk-based capital ratio | 11.3179% | 5,673 |
| Memoranda: | ||
| Average total assets | $100,879,200 | 4,340 |
| Average earning assets | $94,289,600 | 4,301 |
| Average equity | $8,581,400 | 4,827 |
| Average total loans | $89,151,400 | 3,589 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7318% | 1,007 |
| Cost of funding earning assets | 0.4736% | 2,331 |
| Net interest margin | 4.2582% | 1,010 |
| Noninterest income to average assets | 0.3429% | 4,332 |
| Noninterest expense to average assets | 2.8334% | 2,896 |
| Loan and lease loss provision to assets | 0.2780% | 624 |
| Net operating income to assets | 1.2287% | 1,524 |
| Return on assets (ROA) | 1.2287% | 1,624 |
| Pretax return on assets | 1.2313% | 2,699 |
| Return on Equity (ROE) | 14.4777% | 745 |
| Retained earnings to average equity (ytd only) | -3.5102% | 5,677 |
| Net charge-offs to loans | 0.0269% | 3,127 |
| Credit loss provision to net charge-offs | 1,166.6667% | 353 |
| Earnings coverage of net charge-offs (x) | 63.3317% | 913 |
| Efficiency ratio | 65.2439% | 3,722 |
| Assets per employee ($millions) | 4.2315% | 3,538 |
| Cash dividends to net income (ytd only)* | 124.2455% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 2,475 |
| Loan loss allowance to noncurrent loans | 63.7415% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 2.0806% | 739 |
| Noncurrent loans to loans | 2.1061% | 911 |
| Net loans and leases to total assets | 87.7800% | 148 |
| Net loans and leases to deposits | 118.0228% | 133 |
| Net loans and leases to core deposits | 122.2990% | 446 |
| Total domestic deposits to total assets | 74.3755% | 5,396 |
| Equity capital to assets | 8.4752% | 5,543 |
| Core capital (leverage) ratio | 8.4390% | 5,406 |
| Tier 1 risk-based capital ratio | 9.6989% | 5,852 |
| Total risk-based capital ratio | 10.9500% | 5,833 |
| Memoranda: | ||
| Average total assets | $100,701,250 | 4,376 |
| Average earning assets | $94,591,500 | 4,336 |
| Average equity | $8,546,250 | 4,876 |
| Average total loans | $89,335,250 | 3,612 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6671% | 1,123 |
| Cost of funding earning assets | 0.4618% | 2,457 |
| Net interest margin | 4.2052% | 1,104 |
| Noninterest income to average assets | 0.3624% | 4,169 |
| Noninterest expense to average assets | 2.7977% | 3,040 |
| Loan and lease loss provision to assets | 0.2390% | 827 |
| Net operating income to assets | 1.2764% | 1,344 |
| Return on assets (ROA) | 1.2764% | 1,458 |
| Pretax return on assets | 1.2784% | 2,493 |
| Return on Equity (ROE) | 14.9982% | 667 |
| Retained earnings to average equity (ytd only) | -8.2830% | 5,842 |
| Net charge-offs to loans | -0.0449% | 5,319 |
| Credit loss provision to net charge-offs | -600.0000% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8362% | 3,873 |
| Assets per employee ($millions) | 4.2784% | 3,409 |
| Cash dividends to net income (ytd only)* | 155.2262% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 3,001 |
| Loan loss allowance to noncurrent loans | 69.0434% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 1.7705% | 982 |
| Noncurrent loans to loans | 1.8275% | 1,123 |
| Net loans and leases to total assets | 88.5568% | 114 |
| Net loans and leases to deposits | 115.7737% | 147 |
| Net loans and leases to core deposits | 119.7974% | 516 |
| Total domestic deposits to total assets | 76.4913% | 5,222 |
| Equity capital to assets | 8.2742% | 5,705 |
| Core capital (leverage) ratio | 8.2571% | 5,568 |
| Tier 1 risk-based capital ratio | 9.4358% | 5,960 |
| Total risk-based capital ratio | 10.6862% | 5,942 |
| Memoranda: | ||
| Average total assets | $100,438,330 | 4,421 |
| Average earning assets | $94,406,330 | 4,375 |
| Average equity | $8,547,670 | 4,911 |
| Average total loans | $88,994,330 | 3,634 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6794% | 1,094 |
| Cost of funding earning assets | 0.4508% | 2,573 |
| Net interest margin | 4.2286% | 1,041 |
| Noninterest income to average assets | 0.3141% | 4,478 |
| Noninterest expense to average assets | 2.7508% | 3,233 |
| Loan and lease loss provision to assets | 0.1812% | 1,116 |
| Net operating income to assets | 1.3492% | 1,133 |
| Return on assets (ROA) | 1.3492% | 1,207 |
| Pretax return on assets | 1.3492% | 2,095 |
| Return on Equity (ROE) | 15.6296% | 581 |
| Retained earnings to average equity (ytd only) | -23.4210% | 5,988 |
| Net charge-offs to loans | -0.0366% | 5,163 |
| Credit loss provision to net charge-offs | -562.5000% | 4,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2521% | 4,083 |
| Assets per employee ($millions) | 4.1752% | 3,630 |
| Cash dividends to net income (ytd only)* | 249.8507% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 3,466 |
| Loan loss allowance to noncurrent loans | 293.7158% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.5000% | 3,602 |
| Noncurrent loans to loans | 0.4092% | 3,967 |
| Net loans and leases to total assets | 88.1781% | 108 |
| Net loans and leases to deposits | 108.7309% | 256 |
| Net loans and leases to core deposits | 113.0982% | 706 |
| Total domestic deposits to total assets | 81.0976% | 4,469 |
| Equity capital to assets | 8.3160% | 5,690 |
| Core capital (leverage) ratio | 8.4830% | 5,408 |
| Tier 1 risk-based capital ratio | 9.6631% | 5,974 |
| Total risk-based capital ratio | 10.9128% | 5,951 |
| Memoranda: | ||
| Average total assets | $99,317,000 | 4,481 |
| Average earning assets | $93,175,000 | 4,442 |
| Average equity | $8,573,500 | 4,938 |
| Average total loans | $87,445,000 | 3,665 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7910% | 942 |
| Cost of funding earning assets | 0.4856% | 2,306 |
| Net interest margin | 4.3054% | 955 |
| Noninterest income to average assets | 0.3603% | 4,322 |
| Noninterest expense to average assets | 2.7424% | 3,438 |
| Loan and lease loss provision to assets | 0.1033% | 2,262 |
| Net operating income to assets | 1.5426% | 792 |
| Return on assets (ROA) | 1.5426% | 821 |
| Pretax return on assets | 1.5426% | 1,430 |
| Return on Equity (ROE) | 17.8231% | 394 |
| Retained earnings to average equity (ytd only) | 5.8337% | 1,875 |
| Net charge-offs to loans | 0.1873% | 1,543 |
| Credit loss provision to net charge-offs | 63.2911% | 3,220 |
| Earnings coverage of net charge-offs (x) | 10.0886% | 2,737 |
| Efficiency ratio | 62.4941% | 4,534 |
| Assets per employee ($millions) | 4.4741% | 3,084 |
| Cash dividends to net income (ytd only)* | 67.2691% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 3,512 |
| Loan loss allowance to noncurrent loans | 370.2899% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.4176% | 3,930 |
| Noncurrent loans to loans | 0.3230% | 4,300 |
| Net loans and leases to total assets | 85.7818% | 243 |
| Net loans and leases to deposits | 99.3189% | 730 |
| Net loans and leases to core deposits | 103.4375% | 1,262 |
| Total domestic deposits to total assets | 86.3700% | 2,449 |
| Equity capital to assets | 8.9546% | 5,168 |
| Core capital (leverage) ratio | 8.9781% | 4,910 |
| Tier 1 risk-based capital ratio | 10.6317% | 5,711 |
| Total risk-based capital ratio | 11.8710% | 5,638 |
| Memoranda: | ||
| Average total assets | $96,851,200 | 4,521 |
| Average earning assets | $90,607,400 | 4,495 |
| Average equity | $8,382,400 | 4,981 |
| Average total loans | $84,376,200 | 3,712 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7808% | 966 |
| Cost of funding earning assets | 0.4914% | 2,304 |
| Net interest margin | 4.2894% | 977 |
| Noninterest income to average assets | 0.3760% | 4,244 |
| Noninterest expense to average assets | 2.7411% | 3,419 |
| Loan and lease loss provision to assets | 0.1244% | 1,824 |
| Net operating income to assets | 1.5274% | 883 |
| Return on assets (ROA) | 1.5274% | 918 |
| Pretax return on assets | 1.5288% | 1,603 |
| Return on Equity (ROE) | 17.8053% | 414 |
| Retained earnings to average equity (ytd only) | 3.4321% | 4,028 |
| Net charge-offs to loans | -0.0063% | 4,869 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3781% | 4,516 |
| Assets per employee ($millions) | 4.5431% | 2,932 |
| Cash dividends to net income (ytd only)* | 80.7235% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3247% | 2,973 |
| Loan loss allowance to noncurrent loans | 376.2821% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.3122% | 4,514 |
| Noncurrent loans to loans | 0.3520% | 4,353 |
| Net loans and leases to total assets | 87.4946% | 163 |
| Net loans and leases to deposits | 112.0680% | 207 |
| Net loans and leases to core deposits | 117.1498% | 553 |
| Total domestic deposits to total assets | 78.0728% | 5,171 |
| Equity capital to assets | 8.5584% | 5,670 |
| Core capital (leverage) ratio | 8.6080% | 5,453 |
| Tier 1 risk-based capital ratio | 10.0343% | 6,036 |
| Total risk-based capital ratio | 11.2860% | 5,984 |
| Memoranda: | ||
| Average total assets | $96,456,500 | 4,580 |
| Average earning assets | $90,359,750 | 4,547 |
| Average equity | $8,274,500 | 5,077 |
| Average total loans | $84,106,000 | 3,754 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7415% | 1,000 |
| Cost of funding earning assets | 0.5009% | 2,246 |
| Net interest margin | 4.2406% | 1,024 |
| Noninterest income to average assets | 0.3631% | 4,347 |
| Noninterest expense to average assets | 2.7851% | 3,293 |
| Loan and lease loss provision to assets | 0.1259% | 1,759 |
| Net operating income to assets | 1.4146% | 1,061 |
| Return on assets (ROA) | 1.4146% | 1,093 |
| Pretax return on assets | 1.4146% | 1,912 |
| Return on Equity (ROE) | 16.4765% | 550 |
| Retained earnings to average equity (ytd only) | -2.6402% | 5,883 |
| Net charge-offs to loans | -0.0194% | 5,166 |
| Credit loss provision to net charge-offs | -750.0000% | 5,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3862% | 4,293 |
| Assets per employee ($millions) | 4.2721% | 3,350 |
| Cash dividends to net income (ytd only)* | 116.0237% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 3,046 |
| Loan loss allowance to noncurrent loans | 93.4800% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.2488% | 2,012 |
| Noncurrent loans to loans | 1.4288% | 1,874 |
| Net loans and leases to total assets | 86.2342% | 229 |
| Net loans and leases to deposits | 113.3296% | 195 |
| Net loans and leases to core deposits | 119.1177% | 488 |
| Total domestic deposits to total assets | 76.0915% | 5,586 |
| Equity capital to assets | 8.3515% | 5,795 |
| Core capital (leverage) ratio | 8.6443% | 5,380 |
| Tier 1 risk-based capital ratio | 9.9161% | 6,113 |
| Total risk-based capital ratio | 11.1680% | 6,066 |
| Memoranda: | ||
| Average total assets | $95,292,330 | 4,651 |
| Average earning assets | $89,043,670 | 4,616 |
| Average equity | $8,181,330 | 5,130 |
| Average total loans | $82,600,000 | 3,807 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5887% | 1,248 |
| Cost of funding earning assets | 0.4931% | 2,350 |
| Net interest margin | 4.0956% | 1,289 |
| Noninterest income to average assets | 0.3880% | 4,103 |
| Noninterest expense to average assets | 2.8995% | 2,908 |
| Loan and lease loss provision to assets | 0.0853% | 2,269 |
| Net operating income to assets | 1.2280% | 1,468 |
| Return on assets (ROA) | 1.2280% | 1,562 |
| Pretax return on assets | 1.2280% | 2,556 |
| Return on Equity (ROE) | 14.1021% | 859 |
| Retained earnings to average equity (ytd only) | -19.4883% | 6,267 |
| Net charge-offs to loans | -0.0296% | 5,241 |
| Credit loss provision to net charge-offs | -333.3333% | 4,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8259% | 3,692 |
| Assets per employee ($millions) | 4.2493% | 3,466 |
| Cash dividends to net income (ytd only)* | 238.1944% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 3,141 |
| Loan loss allowance to noncurrent loans | 77.6685% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 1.5233% | 1,709 |
| Noncurrent loans to loans | 1.7397% | 1,566 |
| Net loans and leases to total assets | 86.3731% | 167 |
| Net loans and leases to deposits | 107.1471% | 279 |
| Net loans and leases to core deposits | 112.5727% | 626 |
| Total domestic deposits to total assets | 80.6117% | 4,910 |
| Equity capital to assets | 8.5448% | 5,709 |
| Core capital (leverage) ratio | 8.5474% | 5,475 |
| Tier 1 risk-based capital ratio | 9.9567% | 6,181 |
| Total risk-based capital ratio | 11.2073% | 6,142 |
| Memoranda: | ||
| Average total assets | $93,809,500 | 4,726 |
| Average earning assets | $87,606,000 | 4,680 |
| Average equity | $8,169,000 | 5,175 |
| Average total loans | $80,960,500 | 3,863 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8064% | 1,102 |
| Cost of funding earning assets | 0.5036% | 2,640 |
| Net interest margin | 4.3029% | 1,057 |
| Noninterest income to average assets | 0.3867% | 4,283 |
| Noninterest expense to average assets | 2.9075% | 3,128 |
| Loan and lease loss provision to assets | 0.1052% | 2,399 |
| Net operating income to assets | 1.3617% | 1,156 |
| Return on assets (ROA) | 1.3617% | 1,200 |
| Pretax return on assets | 1.3617% | 2,032 |
| Return on Equity (ROE) | 15.5792% | 686 |
| Retained earnings to average equity (ytd only) | 3.6723% | 3,611 |
| Net charge-offs to loans | 0.0531% | 3,769 |
| Credit loss provision to net charge-offs | 234.1463% | 1,079 |
| Earnings coverage of net charge-offs (x) | 32.6585% | 1,254 |
| Efficiency ratio | 66.4663% | 4,164 |
| Assets per employee ($millions) | 4.0928% | 3,733 |
| Cash dividends to net income (ytd only)* | 76.4280% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 3,176 |
| Loan loss allowance to noncurrent loans | 72.7273% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 1.6105% | 1,675 |
| Noncurrent loans to loans | 1.8546% | 1,533 |
| Net loans and leases to total assets | 83.9114% | 349 |
| Net loans and leases to deposits | 103.1551% | 467 |
| Net loans and leases to core deposits | 108.2886% | 874 |
| Total domestic deposits to total assets | 81.3449% | 4,638 |
| Equity capital to assets | 8.8702% | 5,412 |
| Core capital (leverage) ratio | 9.0168% | 4,973 |
| Tier 1 risk-based capital ratio | 10.5166% | 6,094 |
| Total risk-based capital ratio | 11.7678% | 6,036 |
| Memoranda: | ||
| Average total assets | $91,281,600 | 4,807 |
| Average earning assets | $84,595,000 | 4,772 |
| Average equity | $7,978,600 | 5,208 |
| Average total loans | $77,265,200 | 3,962 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8273% | 1,061 |
| Cost of funding earning assets | 0.5015% | 2,739 |
| Net interest margin | 4.3259% | 997 |
| Noninterest income to average assets | 0.3931% | 4,301 |
| Noninterest expense to average assets | 2.9310% | 3,019 |
| Loan and lease loss provision to assets | 0.0530% | 3,317 |
| Net operating income to assets | 1.4221% | 1,088 |
| Return on assets (ROA) | 1.4221% | 1,126 |
| Pretax return on assets | 1.4221% | 1,922 |
| Return on Equity (ROE) | 16.3329% | 638 |
| Retained earnings to average equity (ytd only) | 1.9951% | 5,055 |
| Net charge-offs to loans | 0.0714% | 3,176 |
| Credit loss provision to net charge-offs | 87.8049% | 2,471 |
| Earnings coverage of net charge-offs (x) | 24.4370% | 1,544 |
| Efficiency ratio | 66.5219% | 4,132 |
| Assets per employee ($millions) | 4.1974% | 3,491 |
| Cash dividends to net income (ytd only)* | 87.7847% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2873% | 3,713 |
| Loan loss allowance to noncurrent loans | 176.7764% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.6487% | 3,890 |
| Noncurrent loans to loans | 0.7282% | 3,779 |
| Net loans and leases to total assets | 84.7047% | 281 |
| Net loans and leases to deposits | 110.5149% | 204 |
| Net loans and leases to core deposits | 116.4894% | 486 |
| Total domestic deposits to total assets | 76.6455% | 5,741 |
| Equity capital to assets | 8.8313% | 5,523 |
| Core capital (leverage) ratio | 8.7852% | 5,356 |
| Tier 1 risk-based capital ratio | 10.4116% | 6,233 |
| Total risk-based capital ratio | 11.6618% | 6,191 |
| Memoranda: | ||
| Average total assets | $90,568,250 | 4,876 |
| Average earning assets | $84,019,500 | 4,833 |
| Average equity | $7,885,750 | 5,268 |
| Average total loans | $76,564,000 | 4,008 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7725% | 1,124 |
| Cost of funding earning assets | 0.4996% | 2,839 |
| Net interest margin | 4.2729% | 1,086 |
| Noninterest income to average assets | 0.3734% | 4,450 |
| Noninterest expense to average assets | 2.9474% | 3,014 |
| Loan and lease loss provision to assets | 0.0422% | 3,473 |
| Net operating income to assets | 1.3381% | 1,209 |
| Return on assets (ROA) | 1.3381% | 1,254 |
| Pretax return on assets | 1.3381% | 2,124 |
| Return on Equity (ROE) | 15.4438% | 722 |
| Retained earnings to average equity (ytd only) | -3.6942% | 6,152 |
| Net charge-offs to loans | 0.0449% | 3,338 |
| Credit loss provision to net charge-offs | 111.7647% | 1,794 |
| Earnings coverage of net charge-offs (x) | 36.5294% | 1,124 |
| Efficiency ratio | 68.1048% | 3,990 |
| Assets per employee ($millions) | 4.1605% | 3,529 |
| Cash dividends to net income (ytd only)* | 123.9203% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 3,801 |
| Loan loss allowance to noncurrent loans | 163.6364% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.6850% | 3,938 |
| Noncurrent loans to loans | 0.8009% | 3,701 |
| Net loans and leases to total assets | 84.4120% | 271 |
| Net loans and leases to deposits | 112.2094% | 164 |
| Net loans and leases to core deposits | 117.5475% | 439 |
| Total domestic deposits to total assets | 75.2272% | 6,003 |
| Equity capital to assets | 8.6035% | 5,713 |
| Core capital (leverage) ratio | 8.6996% | 5,393 |
| Tier 1 risk-based capital ratio | 10.0970% | 6,370 |
| Total risk-based capital ratio | 11.3484% | 6,325 |
| Memoranda: | ||
| Average total assets | $89,977,000 | 4,934 |
| Average earning assets | $83,269,330 | 4,893 |
| Average equity | $7,796,000 | 5,314 |
| Average total loans | $75,672,670 | 4,056 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7533% | 1,144 |
| Cost of funding earning assets | 0.5016% | 2,892 |
| Net interest margin | 4.2516% | 1,094 |
| Noninterest income to average assets | 0.3991% | 4,195 |
| Noninterest expense to average assets | 2.9193% | 3,151 |
| Loan and lease loss provision to assets | 0.0179% | 3,598 |
| Net operating income to assets | 1.3767% | 1,044 |
| Return on assets (ROA) | 1.3767% | 1,084 |
| Pretax return on assets | 1.3767% | 1,827 |
| Return on Equity (ROE) | 15.8319% | 656 |
| Retained earnings to average equity (ytd only) | -17.6884% | 6,502 |
| Net charge-offs to loans | 0.1291% | 1,940 |
| Credit loss provision to net charge-offs | 16.6667% | 2,538 |
| Earnings coverage of net charge-offs (x) | 12.9583% | 1,691 |
| Efficiency ratio | 67.6715% | 4,232 |
| Assets per employee ($millions) | 4.0329% | 3,874 |
| Cash dividends to net income (ytd only)* | 211.7264% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3374% | 3,916 |
| Loan loss allowance to noncurrent loans | 386.5385% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.2930% | 5,282 |
| Noncurrent loans to loans | 0.3460% | 5,076 |
| Net loans and leases to total assets | 83.5668% | 259 |
| Net loans and leases to deposits | 106.1384% | 236 |
| Net loans and leases to core deposits | 111.1106% | 544 |
| Total domestic deposits to total assets | 78.7338% | 5,723 |
| Equity capital to assets | 8.5897% | 5,562 |
| Core capital (leverage) ratio | 8.8357% | 5,218 |
| Tier 1 risk-based capital ratio | 10.2671% | 6,403 |
| Total risk-based capital ratio | 11.5183% | 6,357 |
| Memoranda: | ||
| Average total assets | $89,199,500 | 4,992 |
| Average earning assets | $82,133,000 | 4,970 |
| Average equity | $7,756,500 | 5,357 |
| Average total loans | $74,364,000 | 4,127 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9177% | 1,063 |
| Cost of funding earning assets | 0.5982% | 2,676 |
| Net interest margin | 4.3196% | 1,061 |
| Noninterest income to average assets | 0.4218% | 4,286 |
| Noninterest expense to average assets | 2.9736% | 3,122 |
| Loan and lease loss provision to assets | 0.0632% | 3,870 |
| Net operating income to assets | 1.3931% | 1,036 |
| Return on assets (ROA) | 1.4046% | 1,054 |
| Pretax return on assets | 1.4058% | 1,759 |
| Return on Equity (ROE) | 15.8467% | 640 |
| Retained earnings to average equity (ytd only) | 5.0315% | 2,572 |
| Net charge-offs to loans | 0.0281% | 4,864 |
| Credit loss provision to net charge-offs | 275.0000% | 825 |
| Earnings coverage of net charge-offs (x) | 63.4000% | 657 |
| Efficiency ratio | 67.1077% | 4,355 |
| Assets per employee ($millions) | 4.0762% | 3,700 |
| Cash dividends to net income (ytd only)* | 68.2488% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3930% | 3,688 |
| Loan loss allowance to noncurrent loans | 427.0833% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2676% | 5,458 |
| Noncurrent loans to loans | 0.3262% | 5,207 |
| Net loans and leases to total assets | 80.9079% | 502 |
| Net loans and leases to deposits | 97.7395% | 604 |
| Net loans and leases to core deposits | 102.0349% | 1,027 |
| Total domestic deposits to total assets | 82.7791% | 4,619 |
| Equity capital to assets | 8.8006% | 5,254 |
| Core capital (leverage) ratio | 9.2146% | 4,701 |
| Tier 1 risk-based capital ratio | 10.8516% | 6,242 |
| Total risk-based capital ratio | 12.1035% | 6,190 |
| Memoranda: | ||
| Average total assets | $86,998,600 | 5,050 |
| Average earning assets | $80,748,600 | 5,019 |
| Average equity | $7,711,400 | 5,413 |
| Average total loans | $71,155,200 | 4,218 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8689% | 1,195 |
| Cost of funding earning assets | 0.6154% | 2,682 |
| Net interest margin | 4.2535% | 1,199 |
| Noninterest income to average assets | 0.4556% | 4,119 |
| Noninterest expense to average assets | 3.0286% | 2,889 |
| Loan and lease loss provision to assets | 0.0849% | 3,360 |
| Net operating income to assets | 1.3112% | 1,321 |
| Return on assets (ROA) | 1.3251% | 1,337 |
| Pretax return on assets | 1.3267% | 2,226 |
| Return on Equity (ROE) | 14.9222% | 808 |
| Retained earnings to average equity (ytd only) | 0.4174% | 5,804 |
| Net charge-offs to loans | -0.0189% | 6,027 |
| Credit loss provision to net charge-offs | -550.0000% | 6,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4229% | 4,006 |
| Assets per employee ($millions) | 3.9955% | 3,837 |
| Cash dividends to net income (ytd only)* | 97.2027% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4351% | 3,753 |
| Loan loss allowance to noncurrent loans | 460.2620% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.3117% | 5,478 |
| Noncurrent loans to loans | 0.3118% | 5,446 |
| Net loans and leases to total assets | 82.3527% | 339 |
| Net loans and leases to deposits | 105.0060% | 263 |
| Net loans and leases to core deposits | 110.4722% | 565 |
| Total domestic deposits to total assets | 78.4266% | 5,840 |
| Equity capital to assets | 8.6519% | 5,566 |
| Core capital (leverage) ratio | 8.9291% | 5,228 |
| Tier 1 risk-based capital ratio | 10.3704% | 6,490 |
| Total risk-based capital ratio | 11.6224% | 6,458 |
| Memoranda: | ||
| Average total assets | $86,329,250 | 5,118 |
| Average earning assets | $80,590,500 | 5,071 |
| Average equity | $7,666,250 | 5,480 |
| Average total loans | $70,549,000 | 4,279 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8523% | 1,213 |
| Cost of funding earning assets | 0.6330% | 2,652 |
| Net interest margin | 4.2193% | 1,228 |
| Noninterest income to average assets | 0.5151% | 3,737 |
| Noninterest expense to average assets | 3.0627% | 2,788 |
| Loan and lease loss provision to assets | 0.1049% | 3,038 |
| Net operating income to assets | 1.2936% | 1,339 |
| Return on assets (ROA) | 1.3169% | 1,363 |
| Pretax return on assets | 1.3169% | 2,242 |
| Return on Equity (ROE) | 14.7008% | 868 |
| Retained earnings to average equity (ytd only) | -0.7806% | 6,005 |
| Net charge-offs to loans | -0.0230% | 6,012 |
| Credit loss provision to net charge-offs | -562.5000% | 5,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6520% | 4,070 |
| Assets per employee ($millions) | 3.7948% | 4,223 |
| Cash dividends to net income (ytd only)* | 105.3097% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4861% | 3,648 |
| Loan loss allowance to noncurrent loans | 324.9221% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 5,149 |
| Noncurrent loans to loans | 0.4574% | 5,116 |
| Net loans and leases to total assets | 82.8161% | 304 |
| Net loans and leases to deposits | 97.8419% | 551 |
| Net loans and leases to core deposits | 102.7998% | 898 |
| Total domestic deposits to total assets | 84.6428% | 4,063 |
| Equity capital to assets | 9.0771% | 5,139 |
| Core capital (leverage) ratio | 9.0602% | 4,895 |
| Tier 1 risk-based capital ratio | 10.9018% | 6,378 |
| Total risk-based capital ratio | 12.1553% | 6,347 |
| Memoranda: | ||
| Average total assets | $85,805,670 | 5,165 |
| Average earning assets | $80,250,330 | 5,112 |
| Average equity | $7,686,670 | 5,520 |
| Average total loans | $69,584,670 | 4,325 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8125% | 1,260 |
| Cost of funding earning assets | 0.6354% | 2,788 |
| Net interest margin | 4.1771% | 1,250 |
| Noninterest income to average assets | 0.5243% | 3,610 |
| Noninterest expense to average assets | 3.0403% | 2,863 |
| Loan and lease loss provision to assets | 0.1012% | 2,989 |
| Net operating income to assets | 1.2833% | 1,325 |
| Return on assets (ROA) | 1.3293% | 1,307 |
| Pretax return on assets | 1.3293% | 2,126 |
| Return on Equity (ROE) | 14.9335% | 783 |
| Retained earnings to average equity (ytd only) | -10.9030% | 6,649 |
| Net charge-offs to loans | -0.0115% | 5,494 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7110% | 4,190 |
| Assets per employee ($millions) | 3.7364% | 4,473 |
| Cash dividends to net income (ytd only)* | 173.0104% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 3,858 |
| Loan loss allowance to noncurrent loans | 1,469.5652% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 6,123 |
| Noncurrent loans to loans | 0.1016% | 6,174 |
| Net loans and leases to total assets | 81.3847% | 319 |
| Net loans and leases to deposits | 90.8041% | 901 |
| Net loans and leases to core deposits | 95.5427% | 1,226 |
| Total domestic deposits to total assets | 89.6266% | 1,278 |
| Equity capital to assets | 9.2687% | 5,177 |
| Core capital (leverage) ratio | 8.9164% | 5,033 |
| Tier 1 risk-based capital ratio | 11.0554% | 6,379 |
| Total risk-based capital ratio | 12.3086% | 6,353 |
| Memoranda: | ||
| Average total assets | $86,966,000 | 5,171 |
| Average earning assets | $81,205,000 | 5,111 |
| Average equity | $7,741,000 | 5,569 |
| Average total loans | $69,286,000 | 4,367 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1488% | 1,212 |
| Cost of funding earning assets | 0.7958% | 2,700 |
| Net interest margin | 4.3530% | 1,277 |
| Noninterest income to average assets | 0.4577% | 4,196 |
| Noninterest expense to average assets | 2.8678% | 3,774 |
| Loan and lease loss provision to assets | 0.0885% | 4,587 |
| Net operating income to assets | 1.6268% | 722 |
| Return on assets (ROA) | 1.6008% | 842 |
| Pretax return on assets | 1.6055% | 1,367 |
| Return on Equity (ROE) | 17.7441% | 463 |
| Retained earnings to average equity (ytd only) | -0.8630% | 5,998 |
| Net charge-offs to loans | 0.0938% | 4,733 |
| Credit loss provision to net charge-offs | 117.1875% | 2,463 |
| Earnings coverage of net charge-offs (x) | 22.7813% | 1,245 |
| Efficiency ratio | 62.5096% | 5,166 |
| Assets per employee ($millions) | 4.3681% | 3,214 |
| Cash dividends to net income (ytd only)* | 104.8637% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 4,170 |
| Loan loss allowance to noncurrent loans | 286.1272% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.4361% | 5,401 |
| Noncurrent loans to loans | 0.4897% | 5,306 |
| Net loans and leases to total assets | 75.9492% | 916 |
| Net loans and leases to deposits | 83.5059% | 1,814 |
| Net loans and leases to core deposits | 89.2186% | 1,936 |
| Total domestic deposits to total assets | 90.9507% | 514 |
| Equity capital to assets | 8.5718% | 5,985 |
| Core capital (leverage) ratio | 9.0429% | 4,824 |
| Tier 1 risk-based capital ratio | 10.7784% | 6,437 |
| Total risk-based capital ratio | 12.0298% | 6,407 |
| Memoranda: | ||
| Average total assets | $84,768,800 | 5,230 |
| Average earning assets | $80,426,400 | 5,113 |
| Average equity | $7,647,600 | 5,598 |
| Average total loans | $68,242,200 | 4,413 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2238% | 1,145 |
| Cost of funding earning assets | 0.8335% | 2,680 |
| Net interest margin | 4.3904% | 1,218 |
| Noninterest income to average assets | 0.4882% | 3,998 |
| Noninterest expense to average assets | 2.9034% | 3,583 |
| Loan and lease loss provision to assets | 0.0964% | 4,371 |
| Net operating income to assets | 1.6861% | 702 |
| Return on assets (ROA) | 1.6637% | 825 |
| Pretax return on assets | 1.6701% | 1,364 |
| Return on Equity (ROE) | 18.1900% | 481 |
| Retained earnings to average equity (ytd only) | -4.2315% | 6,571 |
| Net charge-offs to loans | 0.0651% | 4,772 |
| Credit loss provision to net charge-offs | 181.8182% | 1,528 |
| Earnings coverage of net charge-offs (x) | 33.7568% | 994 |
| Efficiency ratio | 61.8754% | 5,167 |
| Assets per employee ($millions) | 3.8867% | 4,117 |
| Cash dividends to net income (ytd only)* | 123.2621% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4490% | 4,163 |
| Loan loss allowance to noncurrent loans | 698.6111% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 5,722 |
| Noncurrent loans to loans | 0.2074% | 6,090 |
| Net loans and leases to total assets | 83.8265% | 236 |
| Net loans and leases to deposits | 93.1670% | 859 |
| Net loans and leases to core deposits | 100.8386% | 1,061 |
| Total domestic deposits to total assets | 89.9744% | 859 |
| Equity capital to assets | 9.4731% | 5,238 |
| Core capital (leverage) ratio | 9.0405% | 4,999 |
| Tier 1 risk-based capital ratio | 11.0303% | 6,465 |
| Total risk-based capital ratio | 12.2833% | 6,441 |
| Memoranda: | ||
| Average total assets | $83,028,250 | 5,323 |
| Average earning assets | $79,505,250 | 5,195 |
| Average equity | $7,593,750 | 5,672 |
| Average total loans | $67,638,000 | 4,478 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1835% | 1,301 |
| Cost of funding earning assets | 0.8677% | 2,671 |
| Net interest margin | 4.3158% | 1,443 |
| Noninterest income to average assets | 0.4455% | 4,331 |
| Noninterest expense to average assets | 2.8528% | 3,817 |
| Loan and lease loss provision to assets | 0.1078% | 4,175 |
| Net operating income to assets | 1.6095% | 820 |
| Return on assets (ROA) | 1.5977% | 939 |
| Pretax return on assets | 1.6072% | 1,531 |
| Return on Equity (ROE) | 17.6743% | 545 |
| Retained earnings to average equity (ytd only) | -12.2687% | 6,894 |
| Net charge-offs to loans | 0.1014% | 4,148 |
| Credit loss provision to net charge-offs | 132.3529% | 2,072 |
| Earnings coverage of net charge-offs (x) | 21.2059% | 1,356 |
| Efficiency ratio | 62.2908% | 5,201 |
| Assets per employee ($millions) | 3.9028% | 4,065 |
| Cash dividends to net income (ytd only)* | 169.4153% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 4,279 |
| Loan loss allowance to noncurrent loans | 733.3333% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.3917% | 5,804 |
| Noncurrent loans to loans | 0.1967% | 6,190 |
| Net loans and leases to total assets | 82.5533% | 304 |
| Net loans and leases to deposits | 91.3656% | 1,016 |
| Net loans and leases to core deposits | 100.6576% | 1,056 |
| Total domestic deposits to total assets | 90.3548% | 737 |
| Equity capital to assets | 9.1364% | 5,542 |
| Core capital (leverage) ratio | 8.7341% | 5,323 |
| Tier 1 risk-based capital ratio | 10.9057% | 6,540 |
| Total risk-based capital ratio | 12.1584% | 6,524 |
| Memoranda: | ||
| Average total assets | $83,497,330 | 5,335 |
| Average earning assets | $79,984,670 | 5,205 |
| Average equity | $7,547,670 | 5,696 |
| Average total loans | $67,042,000 | 4,523 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1538% | 1,422 |
| Cost of funding earning assets | 0.9069% | 2,635 |
| Net interest margin | 4.2469% | 1,618 |
| Noninterest income to average assets | 0.4747% | 4,111 |
| Noninterest expense to average assets | 2.8244% | 3,929 |
| Loan and lease loss provision to assets | 0.0712% | 4,511 |
| Net operating income to assets | 1.6471% | 800 |
| Return on assets (ROA) | 1.6471% | 892 |
| Pretax return on assets | 1.6471% | 1,441 |
| Return on Equity (ROE) | 18.3174% | 515 |
| Retained earnings to average equity (ytd only) | -33.6787% | 7,156 |
| Net charge-offs to loans | 0.1027% | 3,518 |
| Credit loss provision to net charge-offs | 88.2353% | 2,579 |
| Earnings coverage of net charge-offs (x) | 21.2941% | 1,158 |
| Efficiency ratio | 62.1735% | 5,247 |
| Assets per employee ($millions) | 3.9427% | 4,125 |
| Cash dividends to net income (ytd only)* | 283.8617% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 4,257 |
| Loan loss allowance to noncurrent loans | 402.0576% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.5181% | 5,567 |
| Noncurrent loans to loans | 0.3680% | 5,931 |
| Net loans and leases to total assets | 78.5751% | 537 |
| Net loans and leases to deposits | 87.4657% | 1,233 |
| Net loans and leases to core deposits | 96.6686% | 1,240 |
| Total domestic deposits to total assets | 89.8353% | 1,169 |
| Equity capital to assets | 8.8181% | 5,731 |
| Core capital (leverage) ratio | 8.4902% | 5,612 |
| Tier 1 risk-based capital ratio | 10.3885% | 6,765 |
| Total risk-based capital ratio | 11.6411% | 6,765 |
| Memoranda: | ||
| Average total assets | $84,267,000 | 5,359 |
| Average earning assets | $80,717,500 | 5,225 |
| Average equity | $7,577,500 | 5,716 |
| Average total loans | $66,238,500 | 4,577 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6060% | 941 |
| Cost of funding earning assets | 1.0716% | 2,868 |
| Net interest margin | 4.5344% | 1,058 |
| Noninterest income to average assets | 0.4838% | 3,968 |
| Noninterest expense to average assets | 3.1359% | 3,083 |
| Loan and lease loss provision to assets | 0.0724% | 5,709 |
| Net operating income to assets | 1.5782% | 701 |
| Return on assets (ROA) | 1.5782% | 757 |
| Pretax return on assets | 1.5794% | 1,255 |
| Return on Equity (ROE) | 17.6328% | 412 |
| Retained earnings to average equity (ytd only) | 7.9806% | 1,088 |
| Net charge-offs to loans | -0.0015% | 6,793 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4990% | 4,868 |
| Assets per employee ($millions) | 4.2869% | 3,285 |
| Cash dividends to net income (ytd only)* | 54.7401% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 4,129 |
| Loan loss allowance to noncurrent loans | 380.9339% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.5132% | 5,683 |
| Noncurrent loans to loans | 0.3868% | 5,937 |
| Net loans and leases to total assets | 76.3535% | 895 |
| Net loans and leases to deposits | 84.5919% | 1,849 |
| Net loans and leases to core deposits | 92.7791% | 1,816 |
| Total domestic deposits to total assets | 90.2610% | 845 |
| Equity capital to assets | 9.1605% | 5,343 |
| Core capital (leverage) ratio | 9.3766% | 4,215 |
| Tier 1 risk-based capital ratio | 11.8542% | 5,931 |
| Total risk-based capital ratio | 13.1075% | 5,910 |
| Memoranda: | ||
| Average total assets | $82,879,400 | 5,370 |
| Average earning assets | $78,665,200 | 5,275 |
| Average equity | $7,418,000 | 5,743 |
| Average total loans | $67,110,400 | 4,594 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7357% | 794 |
| Cost of funding earning assets | 1.1222% | 2,817 |
| Net interest margin | 4.6135% | 920 |
| Noninterest income to average assets | 0.4982% | 3,883 |
| Noninterest expense to average assets | 3.2211% | 2,763 |
| Loan and lease loss provision to assets | 0.0730% | 5,540 |
| Net operating income to assets | 1.5789% | 803 |
| Return on assets (ROA) | 1.5789% | 878 |
| Pretax return on assets | 1.5805% | 1,432 |
| Return on Equity (ROE) | 17.7494% | 482 |
| Retained earnings to average equity (ytd only) | 5.8375% | 2,645 |
| Net charge-offs to loans | -0.0674% | 7,107 |
| Credit loss provision to net charge-offs | -132.3529% | 6,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0786% | 4,703 |
| Assets per employee ($millions) | 4.1844% | 3,477 |
| Cash dividends to net income (ytd only)* | 67.1117% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4749% | 4,227 |
| Loan loss allowance to noncurrent loans | 211.2288% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 1.0088% | 4,739 |
| Noncurrent loans to loans | 0.6982% | 5,486 |
| Net loans and leases to total assets | 83.7729% | 236 |
| Net loans and leases to deposits | 94.0387% | 834 |
| Net loans and leases to core deposits | 104.0738% | 976 |
| Total domestic deposits to total assets | 89.0834% | 1,381 |
| Equity capital to assets | 9.5695% | 4,981 |
| Core capital (leverage) ratio | 9.2255% | 4,581 |
| Tier 1 risk-based capital ratio | 11.3698% | 6,318 |
| Total risk-based capital ratio | 12.6239% | 6,312 |
| Memoranda: | ||
| Average total assets | $82,164,750 | 5,432 |
| Average earning assets | $77,943,000 | 5,329 |
| Average equity | $7,309,000 | 5,817 |
| Average total loans | $67,277,250 | 4,620 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8080% | 713 |
| Cost of funding earning assets | 1.0977% | 3,260 |
| Net interest margin | 4.7102% | 708 |
| Noninterest income to average assets | 0.5710% | 3,329 |
| Noninterest expense to average assets | 3.3068% | 2,535 |
| Loan and lease loss provision to assets | 0.1051% | 4,995 |
| Net operating income to assets | 1.6534% | 662 |
| Return on assets (ROA) | 1.6534% | 705 |
| Pretax return on assets | 1.6534% | 1,151 |
| Return on Equity (ROE) | 19.4039% | 354 |
| Retained earnings to average equity (ytd only) | -4.8510% | 6,550 |
| Net charge-offs to loans | -0.0123% | 6,730 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2835% | 5,009 |
| Assets per employee ($millions) | 4.2952% | 3,172 |
| Cash dividends to net income (ytd only)* | 125.0000% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 4,762 |
| Loan loss allowance to noncurrent loans | 139.2116% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 1.6297% | 3,741 |
| Noncurrent loans to loans | 0.9786% | 5,025 |
| Net loans and leases to total assets | 87.0086% | 110 |
| Net loans and leases to deposits | 99.4127% | 520 |
| Net loans and leases to core deposits | 115.2758% | 534 |
| Total domestic deposits to total assets | 87.5226% | 2,454 |
| Equity capital to assets | 8.7558% | 5,870 |
| Core capital (leverage) ratio | 8.3031% | 5,865 |
| Tier 1 risk-based capital ratio | 10.2149% | 6,910 |
| Total risk-based capital ratio | 11.4677% | 6,893 |
| Memoranda: | ||
| Average total assets | $57,094,330 | 6,235 |
| Average earning assets | $54,477,000 | 6,130 |
| Average equity | $4,865,000 | 6,572 |
| Average total loans | $48,728,670 | 5,405 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6362% | 997 |
| Cost of funding earning assets | 1.1272% | 3,312 |
| Net interest margin | 4.5089% | 1,053 |
| Noninterest income to average assets | 0.7207% | 2,446 |
| Noninterest expense to average assets | 3.2569% | 2,687 |
| Loan and lease loss provision to assets | 0.1039% | 4,710 |
| Net operating income to assets | 1.6562% | 618 |
| Return on assets (ROA) | 1.6562% | 650 |
| Pretax return on assets | 1.6562% | 1,069 |
| Return on Equity (ROE) | 19.6992% | 347 |
| Retained earnings to average equity (ytd only) | -21.5125% | 7,179 |
| Net charge-offs to loans | -0.0083% | 6,321 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9171% | 5,199 |
| Assets per employee ($millions) | 4.3164% | 3,209 |
| Cash dividends to net income (ytd only)* | 209.2050% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 4,926 |
| Loan loss allowance to noncurrent loans | 148.2993% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 1.4738% | 4,043 |
| Noncurrent loans to loans | 0.9054% | 5,235 |
| Net loans and leases to total assets | 85.6397% | 145 |
| Net loans and leases to deposits | 94.1277% | 807 |
| Net loans and leases to core deposits | 108.4078% | 823 |
| Total domestic deposits to total assets | 90.9825% | 635 |
| Equity capital to assets | 8.4259% | 6,022 |
| Core capital (leverage) ratio | 7.9811% | 6,278 |
| Tier 1 risk-based capital ratio | 10.0651% | 6,985 |
| Total risk-based capital ratio | 11.3181% | 6,981 |
| Memoranda: | ||
| Average total assets | $57,723,000 | 6,270 |
| Average earning assets | $55,002,000 | 6,163 |
| Average equity | $4,853,000 | 6,602 |
| Average total loans | $48,466,000 | 5,461 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9645% | 917 |
| Cost of funding earning assets | 1.3733% | 3,437 |
| Net interest margin | 4.5912% | 1,031 |
| Noninterest income to average assets | 0.5728% | 3,647 |
| Noninterest expense to average assets | 3.0723% | 3,580 |
| Loan and lease loss provision to assets | 0.4985% | 3,160 |
| Net operating income to assets | 1.3649% | 1,023 |
| Return on assets (ROA) | 1.3649% | 1,098 |
| Pretax return on assets | 1.3649% | 1,750 |
| Return on Equity (ROE) | 15.7262% | 611 |
| Retained earnings to average equity (ytd only) | 6.3281% | 1,651 |
| Net charge-offs to loans | 0.2007% | 5,086 |
| Credit loss provision to net charge-offs | 292.5532% | 923 |
| Earnings coverage of net charge-offs (x) | 10.9362% | 1,657 |
| Efficiency ratio | 62.2475% | 5,689 |
| Assets per employee ($millions) | 4.5641% | 2,769 |
| Cash dividends to net income (ytd only)* | 59.7610% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 4,884 |
| Loan loss allowance to noncurrent loans | 126.0870% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 1.5034% | 4,062 |
| Noncurrent loans to loans | 1.0493% | 4,972 |
| Net loans and leases to total assets | 80.1999% | 642 |
| Net loans and leases to deposits | 88.1253% | 1,766 |
| Net loans and leases to core deposits | 108.9151% | 989 |
| Total domestic deposits to total assets | 91.0067% | 594 |
| Equity capital to assets | 8.3899% | 6,017 |
| Core capital (leverage) ratio | 8.5470% | 5,280 |
| Tier 1 risk-based capital ratio | 10.4310% | 6,739 |
| Total risk-based capital ratio | 11.6816% | 6,720 |
| Memoranda: | ||
| Average total assets | $55,169,600 | 6,366 |
| Average earning assets | $52,426,600 | 6,271 |
| Average equity | $4,788,200 | 6,732 |
| Average total loans | $46,845,400 | 5,603 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0378% | 866 |
| Cost of funding earning assets | 1.3918% | 3,625 |
| Net interest margin | 4.6461% | 953 |
| Noninterest income to average assets | 0.5690% | 3,658 |
| Noninterest expense to average assets | 3.1061% | 3,309 |
| Loan and lease loss provision to assets | 0.6774% | 2,254 |
| Net operating income to assets | 1.2094% | 1,572 |
| Return on assets (ROA) | 1.2094% | 1,653 |
| Pretax return on assets | 1.2094% | 2,454 |
| Return on Equity (ROE) | 13.8090% | 1,072 |
| Retained earnings to average equity (ytd only) | 1.1532% | 5,359 |
| Net charge-offs to loans | 0.2695% | 4,327 |
| Credit loss provision to net charge-offs | 292.5532% | 1,094 |
| Earnings coverage of net charge-offs (x) | 8.1490% | 2,206 |
| Efficiency ratio | 62.2102% | 5,587 |
| Assets per employee ($millions) | 4.2426% | 3,368 |
| Cash dividends to net income (ytd only)* | 91.6505% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3147% | 4,874 |
| Loan loss allowance to noncurrent loans | 108.1494% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 1.6880% | 3,914 |
| Noncurrent loans to loans | 1.2156% | 4,815 |
| Net loans and leases to total assets | 86.6954% | 156 |
| Net loans and leases to deposits | 95.6722% | 1,025 |
| Net loans and leases to core deposits | 110.9085% | 988 |
| Total domestic deposits to total assets | 90.6172% | 588 |
| Equity capital to assets | 8.7047% | 5,998 |
| Core capital (leverage) ratio | 8.4794% | 5,548 |
| Tier 1 risk-based capital ratio | 9.9284% | 7,099 |
| Total risk-based capital ratio | 11.1799% | 7,091 |
| Memoranda: | ||
| Average total assets | $54,128,750 | 6,469 |
| Average earning assets | $51,540,250 | 6,380 |
| Average equity | $4,740,750 | 6,830 |
| Average total loans | $46,501,000 | 5,705 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0004% | 949 |
| Cost of funding earning assets | 1.4229% | 3,730 |
| Net interest margin | 4.5775% | 1,047 |
| Noninterest income to average assets | 0.5503% | 3,714 |
| Noninterest expense to average assets | 3.1495% | 3,100 |
| Loan and lease loss provision to assets | 0.5206% | 2,709 |
| Net operating income to assets | 1.2345% | 1,465 |
| Return on assets (ROA) | 1.2345% | 1,530 |
| Pretax return on assets | 1.2345% | 2,309 |
| Return on Equity (ROE) | 14.0658% | 1,030 |
| Retained earnings to average equity (ytd only) | -4.9993% | 6,554 |
| Net charge-offs to loans | 0.3010% | 3,811 |
| Credit loss provision to net charge-offs | 202.8986% | 1,925 |
| Earnings coverage of net charge-offs (x) | 6.8406% | 2,399 |
| Efficiency ratio | 64.2153% | 5,293 |
| Assets per employee ($millions) | 4.1886% | 3,404 |
| Cash dividends to net income (ytd only)* | 135.5422% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 5,880 |
| Loan loss allowance to noncurrent loans | 68.5714% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 1.7263% | 3,860 |
| Noncurrent loans to loans | 1.6236% | 4,275 |
| Net loans and leases to total assets | 86.1272% | 223 |
| Net loans and leases to deposits | 102.5205% | 565 |
| Net loans and leases to core deposits | 104.4778% | 1,593 |
| Total domestic deposits to total assets | 84.0098% | 4,106 |
| Equity capital to assets | 8.5360% | 6,121 |
| Core capital (leverage) ratio | 8.1760% | 5,985 |
| Tier 1 risk-based capital ratio | 9.8097% | 7,126 |
| Total risk-based capital ratio | 10.9674% | 7,168 |
| Memoranda: | ||
| Average total assets | $53,787,000 | 6,527 |
| Average earning assets | $51,163,000 | 6,439 |
| Average equity | $4,720,670 | 6,872 |
| Average total loans | $45,850,330 | 5,769 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9311% | 1,128 |
| Cost of funding earning assets | 1.4768% | 3,702 |
| Net interest margin | 4.4542% | 1,245 |
| Noninterest income to average assets | 0.5912% | 3,336 |
| Noninterest expense to average assets | 3.2102% | 2,818 |
| Loan and lease loss provision to assets | 0.5238% | 2,403 |
| Net operating income to assets | 1.0776% | 1,905 |
| Return on assets (ROA) | 1.0776% | 1,982 |
| Pretax return on assets | 1.0776% | 2,810 |
| Return on Equity (ROE) | 12.1085% | 1,470 |
| Retained earnings to average equity (ytd only) | 12.1085% | 729 |
| Net charge-offs to loans | 0.2929% | 3,241 |
| Credit loss provision to net charge-offs | 212.1212% | 1,755 |
| Earnings coverage of net charge-offs (x) | 6.4848% | 2,216 |
| Efficiency ratio | 66.7185% | 4,970 |
| Assets per employee ($millions) | 4.0555% | 3,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 6,024 |
| Loan loss allowance to noncurrent loans | 56.0726% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 2.0788% | 3,415 |
| Noncurrent loans to loans | 1.9539% | 3,851 |
| Net loans and leases to total assets | 84.5871% | 324 |
| Net loans and leases to deposits | 99.2456% | 807 |
| Net loans and leases to core deposits | 114.6928% | 1,008 |
| Total domestic deposits to total assets | 85.2301% | 3,554 |
| Equity capital to assets | 9.1518% | 5,060 |
| Core capital (leverage) ratio | 9.0304% | 4,508 |
| Tier 1 risk-based capital ratio | 10.7517% | 6,388 |
| Total risk-based capital ratio | 11.8731% | 6,508 |
| Memoranda: | ||
| Average total assets | $53,454,500 | 6,622 |
| Average earning assets | $50,648,500 | 6,524 |
| Average equity | $4,757,000 | 6,925 |
| Average total loans | $45,062,500 | 5,881 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2396% | 1,141 |
| Cost of funding earning assets | 1.9855% | 3,029 |
| Net interest margin | 4.2541% | 1,877 |
| Noninterest income to average assets | 0.7159% | 2,868 |
| Noninterest expense to average assets | 3.2946% | 3,025 |
| Loan and lease loss provision to assets | 0.0396% | 7,152 |
| Net operating income to assets | 1.4238% | 809 |
| Return on assets (ROA) | 1.4238% | 862 |
| Pretax return on assets | 1.4238% | 1,374 |
| Return on Equity (ROE) | 16.3058% | 524 |
| Retained earnings to average equity (ytd only) | 7.7000% | 774 |
| Net charge-offs to loans | 0.0530% | 6,570 |
| Credit loss provision to net charge-offs | 90.9091% | 5,972 |
| Earnings coverage of net charge-offs (x) | 33.6364% | 695 |
| Efficiency ratio | 69.2436% | 4,778 |
| Assets per employee ($millions) | 4.1682% | 3,496 |
| Cash dividends to net income (ytd only)* | 52.7778% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 6,303 |
| Loan loss allowance to noncurrent loans | 121.9251% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.9873% | 5,133 |
| Noncurrent loans to loans | 0.8305% | 5,632 |
| Net loans and leases to total assets | 82.2688% | 645 |
| Net loans and leases to deposits | 90.7978% | 2,081 |
| Net loans and leases to core deposits | 114.3931% | 2,469 |
| Total domestic deposits to total assets | 90.6066% | 695 |
| Equity capital to assets | 8.6534% | 5,655 |
| Core capital (leverage) ratio | 8.5013% | 5,280 |
| Tier 1 risk-based capital ratio | 10.3311% | 6,555 |
| Total risk-based capital ratio | 11.3568% | 6,750 |
| Memoranda: | ||
| Average total assets | $50,567,800 | 6,683 |
| Average earning assets | $48,048,000 | 6,598 |
| Average equity | $4,415,600 | 7,140 |
| Average total loans | $41,536,400 | 6,032 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2715% | 1,196 |
| Cost of funding earning assets | 2.0538% | 3,100 |
| Net interest margin | 4.2177% | 1,980 |
| Noninterest income to average assets | 0.7356% | 2,792 |
| Noninterest expense to average assets | 3.3290% | 2,814 |
| Loan and lease loss provision to assets | 0.0268% | 7,085 |
| Net operating income to assets | 1.3934% | 1,047 |
| Return on assets (ROA) | 1.3934% | 1,111 |
| Pretax return on assets | 1.3934% | 1,715 |
| Return on Equity (ROE) | 15.9176% | 671 |
| Retained earnings to average equity (ytd only) | 4.2632% | 2,890 |
| Net charge-offs to loans | 0.0918% | 5,768 |
| Credit loss provision to net charge-offs | 35.7143% | 6,464 |
| Earnings coverage of net charge-offs (x) | 18.8942% | 1,326 |
| Efficiency ratio | 70.0961% | 4,572 |
| Assets per employee ($millions) | 4.0048% | 3,725 |
| Cash dividends to net income (ytd only)* | 73.2174% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0109% | 6,216 |
| Loan loss allowance to noncurrent loans | 65.9193% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.5943% | 3,965 |
| Noncurrent loans to loans | 1.5335% | 4,346 |
| Net loans and leases to total assets | 82.9492% | 673 |
| Net loans and leases to deposits | 91.8088% | 2,263 |
| Net loans and leases to core deposits | 116.8710% | 2,535 |
| Total domestic deposits to total assets | 90.3500% | 643 |
| Equity capital to assets | 8.7626% | 5,863 |
| Core capital (leverage) ratio | 8.4952% | 5,505 |
| Tier 1 risk-based capital ratio | 10.2140% | 6,770 |
| Total risk-based capital ratio | 11.2395% | 6,949 |
| Memoranda: | ||
| Average total assets | $49,663,000 | 6,772 |
| Average earning assets | $47,260,250 | 6,677 |
| Average equity | $4,347,250 | 7,235 |
| Average total loans | $40,661,750 | 6,123 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2599% | 1,309 |
| Cost of funding earning assets | 2.1067% | 3,233 |
| Net interest margin | 4.1531% | 2,149 |
| Noninterest income to average assets | 0.7572% | 2,661 |
| Noninterest expense to average assets | 3.4013% | 2,625 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3016% | 1,225 |
| Return on assets (ROA) | 1.3016% | 1,304 |
| Pretax return on assets | 1.3016% | 2,022 |
| Return on Equity (ROE) | 14.8749% | 853 |
| Retained earnings to average equity (ytd only) | -2.9001% | 5,953 |
| Net charge-offs to loans | 0.1210% | 4,953 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 13.2500% | 1,753 |
| Efficiency ratio | 72.3238% | 4,340 |
| Assets per employee ($millions) | 3.8193% | 4,052 |
| Cash dividends to net income (ytd only)* | 119.4969% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 6,037 |
| Loan loss allowance to noncurrent loans | 116.0000% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 1.0795% | 4,804 |
| Noncurrent loans to loans | 0.8850% | 5,443 |
| Net loans and leases to total assets | 84.4676% | 564 |
| Net loans and leases to deposits | 93.4720% | 2,177 |
| Net loans and leases to core deposits | 120.1828% | 2,357 |
| Total domestic deposits to total assets | 90.3668% | 678 |
| Equity capital to assets | 8.6423% | 5,830 |
| Core capital (leverage) ratio | 8.5723% | 5,312 |
| Tier 1 risk-based capital ratio | 9.9409% | 6,993 |
| Total risk-based capital ratio | 10.9727% | 7,153 |
| Memoranda: | ||
| Average total assets | $48,863,330 | 6,875 |
| Average earning assets | $46,422,670 | 6,777 |
| Average equity | $4,275,670 | 7,317 |
| Average total loans | $39,673,670 | 6,216 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2005% | 1,602 |
| Cost of funding earning assets | 2.1597% | 3,371 |
| Net interest margin | 4.0408% | 2,488 |
| Noninterest income to average assets | 0.8088% | 2,281 |
| Noninterest expense to average assets | 3.3258% | 2,580 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3122% | 1,350 |
| Return on assets (ROA) | 1.3122% | 1,450 |
| Pretax return on assets | 1.3122% | 2,243 |
| Return on Equity (ROE) | 14.9016% | 994 |
| Retained earnings to average equity (ytd only) | -20.7123% | 7,665 |
| Net charge-offs to loans | -0.0104% | 7,283 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7082% | 4,236 |
| Assets per employee ($millions) | 3.7157% | 4,309 |
| Cash dividends to net income (ytd only)* | 238.9937% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1821% | 4,918 |
| Loan loss allowance to noncurrent loans | 110.8434% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.9523% | 4,816 |
| Noncurrent loans to loans | 1.0665% | 4,850 |
| Net loans and leases to total assets | 79.6062% | 1,457 |
| Net loans and leases to deposits | 88.8081% | 3,141 |
| Net loans and leases to core deposits | 110.9691% | 3,314 |
| Total domestic deposits to total assets | 89.6385% | 957 |
| Equity capital to assets | 8.5521% | 5,991 |
| Core capital (leverage) ratio | 8.4330% | 5,655 |
| Tier 1 risk-based capital ratio | 10.2925% | 6,598 |
| Total risk-based capital ratio | 11.4668% | 6,611 |
| Memoranda: | ||
| Average total assets | $48,469,500 | 6,928 |
| Average earning assets | $45,931,500 | 6,841 |
| Average equity | $4,268,000 | 7,360 |
| Average total loans | $38,323,500 | 6,315 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2893% | 605 |
| Cost of funding earning assets | 2.6523% | 3,413 |
| Net interest margin | 4.6371% | 1,078 |
| Noninterest income to average assets | 0.8118% | 2,446 |
| Noninterest expense to average assets | 3.1494% | 3,516 |
| Loan and lease loss provision to assets | 0.0583% | 6,682 |
| Net operating income to assets | 1.9650% | 385 |
| Return on assets (ROA) | 1.9712% | 361 |
| Pretax return on assets | 1.9775% | 644 |
| Return on Equity (ROE) | 22.5401% | 232 |
| Retained earnings to average equity (ytd only) | 1.8089% | 4,109 |
| Net charge-offs to loans | 0.5056% | 2,333 |
| Credit loss provision to net charge-offs | 13.7255% | 6,604 |
| Earnings coverage of net charge-offs (x) | 4.7794% | 3,860 |
| Efficiency ratio | 60.8119% | 6,198 |
| Assets per employee ($millions) | 3.7412% | 4,074 |
| Cash dividends to net income (ytd only)* | 91.9747% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 4,410 |
| Loan loss allowance to noncurrent loans | 105.2752% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 1.0795% | 4,136 |
| Noncurrent loans to loans | 1.1555% | 4,220 |
| Net loans and leases to total assets | 76.6423% | 2,463 |
| Net loans and leases to deposits | 90.3133% | 3,401 |
| Net loans and leases to core deposits | 113.1088% | 3,436 |
| Total domestic deposits to total assets | 84.8628% | 2,908 |
| Equity capital to assets | 9.0573% | 5,291 |
| Core capital (leverage) ratio | 9.0205% | 4,709 |
| Tier 1 risk-based capital ratio | 11.1774% | 5,562 |
| Total risk-based capital ratio | 12.3834% | 5,491 |
| Memoranda: | ||
| Average total assets | $48,041,000 | 6,860 |
| Average earning assets | $45,244,200 | 6,804 |
| Average equity | $4,201,400 | 7,432 |
| Average total loans | $40,348,800 | 6,152 |