Home > First State Bank of Bloomington > Performance and Condition Ratios
First State Bank of Bloomington, Performance and Condition Ratios
| 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 | 4.1817% | 3,083 |
| Cost of funding earning assets | 0.2323% | 4,324 |
| Net interest margin | 3.9494% | 1,370 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 2.6626% | 1,762 |
| Loan and lease loss provision to assets | 0.4400% | 177 |
| Net operating income to assets | 1.3999% | 1,411 |
| Return on assets (ROA) | 1.3999% | 1,389 |
| Pretax return on assets | 1.3999% | 1,880 |
| Return on Equity (ROE) | 24.9400% | 408 |
| Retained earnings to average equity (ytd only) | -23.9662% | 4,618 |
| Net charge-offs to loans | 2.9095% | 31 |
| Credit loss provision to net charge-offs | 35.4970% | 1,330 |
| Earnings coverage of net charge-offs (x) | 1.4929% | 1,966 |
| Efficiency ratio | 59.1791% | 3,055 |
| Assets per employee ($millions) | 4.7198% | 3,872 |
| Cash dividends to net income (ytd only)* | 196.0784% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 1,964 |
| Loan loss allowance to noncurrent loans | 104.9383% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.6207% | 817 |
| Noncurrent loans to loans | 1.2546% | 546 |
| Net loans and leases to total assets | 43.6700% | 3,880 |
| Net loans and leases to deposits | 46.4071% | 4,024 |
| Net loans and leases to core deposits | 46.8627% | 4,084 |
| Total domestic deposits to total assets | 94.1100% | 160 |
| Equity capital to assets | 5.7642% | 4,269 |
| Core capital (leverage) ratio | 7.4274% | 4,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1300% | 975 |
| Memoranda: | ||
| Average total assets | $160,292,000 | 3,336 |
| Average earning assets | $148,073,500 | 3,331 |
| Average equity | $8,996,000 | 3,895 |
| Average total loans | $67,777,000 | 3,644 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1145% | 3,965 |
| Cost of funding earning assets | 0.0387% | 4,593 |
| Net interest margin | 3.0758% | 3,239 |
| Noninterest income to average assets | 0.9000% | 783 |
| Noninterest expense to average assets | 2.5828% | 1,874 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0911% | 2,218 |
| Return on assets (ROA) | 1.1345% | 1,978 |
| Pretax return on assets | 1.1345% | 2,656 |
| Return on Equity (ROE) | 18.2700% | 662 |
| Retained earnings to average equity (ytd only) | 2.5116% | 3,852 |
| Net charge-offs to loans | 0.0165% | 1,786 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 162.1818% | 749 |
| Efficiency ratio | 69.8185% | 1,710 |
| Assets per employee ($millions) | 4.7092% | 3,883 |
| Cash dividends to net income (ytd only)* | 86.2534% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3786% | 239 |
| Loan loss allowance to noncurrent loans | 120.4867% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.8613% | 536 |
| Noncurrent loans to loans | 1.9742% | 289 |
| Net loans and leases to total assets | 39.3500% | 4,089 |
| Net loans and leases to deposits | 41.6627% | 4,194 |
| Net loans and leases to core deposits | 41.9853% | 4,232 |
| Total domestic deposits to total assets | 94.4400% | 197 |
| Equity capital to assets | 5.4599% | 4,250 |
| Core capital (leverage) ratio | 7.4143% | 4,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9200% | 729 |
| Memoranda: | ||
| Average total assets | $163,502,600 | 3,319 |
| Average earning assets | $147,407,200 | 3,351 |
| Average equity | $10,153,000 | 3,852 |
| Average total loans | $66,553,000 | 3,636 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8423% | 4,140 |
| Cost of funding earning assets | 0.0351% | 4,630 |
| Net interest margin | 2.8072% | 3,721 |
| Noninterest income to average assets | 0.9100% | 806 |
| Noninterest expense to average assets | 2.5465% | 1,878 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8956% | 2,879 |
| Return on assets (ROA) | 0.9532% | 2,622 |
| Pretax return on assets | 0.9532% | 3,169 |
| Return on Equity (ROE) | 14.9100% | 1,198 |
| Retained earnings to average equity (ytd only) | 1.8402% | 4,062 |
| Net charge-offs to loans | 0.0239% | 1,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 985 |
| Efficiency ratio | 73.4857% | 1,332 |
| Assets per employee ($millions) | 4.4847% | 4,066 |
| Cash dividends to net income (ytd only)* | 87.6596% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3225% | 280 |
| Loan loss allowance to noncurrent loans | 151.5810% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.6732% | 775 |
| Noncurrent loans to loans | 1.5322% | 450 |
| Net loans and leases to total assets | 38.8800% | 4,108 |
| Net loans and leases to deposits | 41.0153% | 4,207 |
| Net loans and leases to core deposits | 41.4701% | 4,239 |
| Total domestic deposits to total assets | 94.7900% | 248 |
| Equity capital to assets | 5.1496% | 4,252 |
| Core capital (leverage) ratio | 7.5691% | 4,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3302% | 815 |
| Memoranda: | ||
| Average total assets | $164,350,250 | 3,334 |
| Average earning assets | $148,187,000 | 3,365 |
| Average equity | $10,505,750 | 3,863 |
| Average total loans | $67,057,750 | 3,644 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6438% | 4,228 |
| Cost of funding earning assets | 0.0354% | 4,674 |
| Net interest margin | 2.6085% | 3,891 |
| Noninterest income to average assets | 0.9230% | 800 |
| Noninterest expense to average assets | 2.5528% | 1,769 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7117% | 3,270 |
| Return on assets (ROA) | 0.7984% | 2,932 |
| Pretax return on assets | 0.7984% | 3,336 |
| Return on Equity (ROE) | 11.7211% | 1,754 |
| Retained earnings to average equity (ytd only) | -0.2868% | 4,214 |
| Net charge-offs to loans | 0.0208% | 1,318 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 83.2857% | 909 |
| Efficiency ratio | 77.6739% | 1,107 |
| Assets per employee ($millions) | 4.5486% | 4,036 |
| Cash dividends to net income (ytd only)* | 102.4465% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2849% | 337 |
| Loan loss allowance to noncurrent loans | 176.8966% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.5954% | 940 |
| Noncurrent loans to loans | 1.2916% | 609 |
| Net loans and leases to total assets | 40.1941% | 4,063 |
| Net loans and leases to deposits | 42.8067% | 4,165 |
| Net loans and leases to core deposits | 43.2921% | 4,213 |
| Total domestic deposits to total assets | 93.8967% | 299 |
| Equity capital to assets | 6.0208% | 4,194 |
| Core capital (leverage) ratio | 7.3945% | 4,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9296% | 863 |
| Memoranda: | ||
| Average total assets | $163,822,333 | 3,376 |
| Average earning assets | $147,059,333 | 3,426 |
| Average equity | $11,159,333 | 3,873 |
| Average total loans | $67,394,000 | 3,667 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6480% | 4,040 |
| Cost of funding earning assets | 0.0407% | 4,656 |
| Net interest margin | 2.6073% | 3,641 |
| Noninterest income to average assets | 0.8910% | 852 |
| Noninterest expense to average assets | 2.4826% | 1,922 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7543% | 2,833 |
| Return on assets (ROA) | 0.9276% | 2,159 |
| Pretax return on assets | 0.9276% | 2,669 |
| Return on Equity (ROE) | 12.8710% | 1,071 |
| Retained earnings to average equity (ytd only) | -2.0323% | 4,250 |
| Net charge-offs to loans | 0.0534% | 754 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 34.3333% | 1,075 |
| Efficiency ratio | 76.1689% | 1,504 |
| Assets per employee ($millions) | 4.6904% | 4,008 |
| Cash dividends to net income (ytd only)* | 115.7895% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2951% | 375 |
| Loan loss allowance to noncurrent loans | 120.6436% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.8644% | 618 |
| Noncurrent loans to loans | 1.9023% | 392 |
| Net loans and leases to total assets | 39.8586% | 4,024 |
| Net loans and leases to deposits | 42.7611% | 4,127 |
| Net loans and leases to core deposits | 43.2478% | 4,187 |
| Total domestic deposits to total assets | 93.2122% | 223 |
| Equity capital to assets | 6.6397% | 4,369 |
| Core capital (leverage) ratio | 7.3105% | 4,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6825% | 801 |
| Memoranda: | ||
| Average total assets | $163,859,500 | 3,391 |
| Average earning assets | $147,434,500 | 3,433 |
| Average equity | $11,809,500 | 3,878 |
| Average total loans | $67,413,000 | 3,669 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1535% | 3,575 |
| Cost of funding earning assets | 0.0805% | 4,526 |
| Net interest margin | 3.0730% | 2,990 |
| Noninterest income to average assets | 1.1274% | 829 |
| Noninterest expense to average assets | 2.6375% | 1,786 |
| Loan and lease loss provision to assets | 0.2028% | 525 |
| Net operating income to assets | 1.0705% | 2,413 |
| Return on assets (ROA) | 1.0705% | 2,484 |
| Pretax return on assets | 1.0705% | 3,062 |
| Return on Equity (ROE) | 13.1722% | 1,409 |
| Retained earnings to average equity (ytd only) | 7.6608% | 1,674 |
| Net charge-offs to loans | 0.2340% | 396 |
| Credit loss provision to net charge-offs | 172.2826% | 1,400 |
| Earnings coverage of net charge-offs (x) | 10.8152% | 2,192 |
| Efficiency ratio | 66.9666% | 2,131 |
| Assets per employee ($millions) | 4.6730% | 3,985 |
| Cash dividends to net income (ytd only)* | 41.8410% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2769% | 397 |
| Loan loss allowance to noncurrent loans | 109.2645% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.0614% | 501 |
| Noncurrent loans to loans | 2.0838% | 371 |
| Net loans and leases to total assets | 40.5433% | 4,063 |
| Net loans and leases to deposits | 44.0543% | 4,178 |
| Net loans and leases to core deposits | 44.6388% | 4,241 |
| Total domestic deposits to total assets | 92.0303% | 169 |
| Equity capital to assets | 7.7765% | 4,478 |
| Core capital (leverage) ratio | 7.4653% | 4,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8574% | 778 |
| Memoranda: | ||
| Average total assets | $156,282,600 | 3,433 |
| Average earning assets | $141,555,200 | 3,458 |
| Average equity | $12,701,000 | 3,859 |
| Average total loans | $78,618,400 | 3,505 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2976% | 3,394 |
| Cost of funding earning assets | 0.0919% | 4,564 |
| Net interest margin | 3.2057% | 2,711 |
| Noninterest income to average assets | 1.1437% | 871 |
| Noninterest expense to average assets | 2.7622% | 1,426 |
| Loan and lease loss provision to assets | 0.2738% | 306 |
| Net operating income to assets | 1.0289% | 2,806 |
| Return on assets (ROA) | 1.0289% | 2,868 |
| Pretax return on assets | 1.0289% | 3,377 |
| Return on Equity (ROE) | 12.5176% | 1,859 |
| Retained earnings to average equity (ytd only) | 9.3672% | 1,545 |
| Net charge-offs to loans | 0.2509% | 328 |
| Credit loss provision to net charge-offs | 207.1895% | 1,187 |
| Earnings coverage of net charge-offs (x) | 9.8627% | 2,059 |
| Efficiency ratio | 67.5090% | 1,899 |
| Assets per employee ($millions) | 4.4812% | 4,140 |
| Cash dividends to net income (ytd only)* | 25.1678% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2375% | 429 |
| Loan loss allowance to noncurrent loans | 112.3307% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.1604% | 523 |
| Noncurrent loans to loans | 1.9919% | 443 |
| Net loans and leases to total assets | 42.6839% | 4,044 |
| Net loans and leases to deposits | 46.5257% | 4,209 |
| Net loans and leases to core deposits | 47.2936% | 4,270 |
| Total domestic deposits to total assets | 91.7427% | 180 |
| Equity capital to assets | 8.0249% | 4,509 |
| Core capital (leverage) ratio | 7.5001% | 4,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4700% | 889 |
| Memoranda: | ||
| Average total assets | $154,464,250 | 3,480 |
| Average earning assets | $140,745,750 | 3,504 |
| Average equity | $12,696,500 | 3,910 |
| Average total loans | $81,309,000 | 3,504 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3205% | 3,374 |
| Cost of funding earning assets | 0.1122% | 4,489 |
| Net interest margin | 3.2083% | 2,729 |
| Noninterest income to average assets | 1.1828% | 816 |
| Noninterest expense to average assets | 2.7757% | 1,408 |
| Loan and lease loss provision to assets | 0.4166% | 144 |
| Net operating income to assets | 0.9213% | 3,159 |
| Return on assets (ROA) | 0.9213% | 3,236 |
| Pretax return on assets | 0.9213% | 3,614 |
| Return on Equity (ROE) | 11.1152% | 2,393 |
| Retained earnings to average equity (ytd only) | 11.1152% | 1,103 |
| Net charge-offs to loans | 0.3556% | 239 |
| Credit loss provision to net charge-offs | 209.9338% | 1,029 |
| Earnings coverage of net charge-offs (x) | 6.7417% | 1,944 |
| Efficiency ratio | 67.0288% | 2,009 |
| Assets per employee ($millions) | 4.3809% | 4,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9246% | 701 |
| Loan loss allowance to noncurrent loans | 113.3525% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 1.1844% | 584 |
| Noncurrent loans to loans | 1.6979% | 625 |
| Net loans and leases to total assets | 51.0177% | 3,445 |
| Net loans and leases to deposits | 55.8001% | 3,725 |
| Net loans and leases to core deposits | 56.8692% | 3,840 |
| Total domestic deposits to total assets | 91.4294% | 246 |
| Equity capital to assets | 8.1540% | 4,453 |
| Core capital (leverage) ratio | 7.6458% | 4,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4202% | 1,047 |
| Memoranda: | ||
| Average total assets | $152,178,000 | 3,513 |
| Average earning assets | $139,016,333 | 3,524 |
| Average equity | $12,613,333 | 3,931 |
| Average total loans | $84,933,667 | 3,468 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2968% | 3,453 |
| Cost of funding earning assets | 0.1455% | 4,336 |
| Net interest margin | 3.1513% | 2,838 |
| Noninterest income to average assets | 1.1994% | 855 |
| Noninterest expense to average assets | 2.7307% | 1,548 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3680% | 1,638 |
| Return on assets (ROA) | 1.3680% | 1,724 |
| Pretax return on assets | 1.3680% | 2,375 |
| Return on Equity (ROE) | 16.3651% | 949 |
| Retained earnings to average equity (ytd only) | 16.3651% | 480 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1659% | 2,206 |
| Assets per employee ($millions) | 4.2391% | 4,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5965% | 1,306 |
| Loan loss allowance to noncurrent loans | 116.3786% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 1.1120% | 708 |
| Noncurrent loans to loans | 1.3718% | 924 |
| Net loans and leases to total assets | 57.1104% | 2,897 |
| Net loans and leases to deposits | 62.5031% | 3,276 |
| Net loans and leases to core deposits | 63.9726% | 3,416 |
| Total domestic deposits to total assets | 91.3720% | 270 |
| Equity capital to assets | 8.2571% | 4,323 |
| Core capital (leverage) ratio | 7.7100% | 4,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6095% | 1,143 |
| Memoranda: | ||
| Average total assets | $149,410,000 | 3,540 |
| Average earning assets | $137,468,000 | 3,548 |
| Average equity | $12,490,000 | 3,954 |
| Average total loans | $86,380,000 | 3,464 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6720% | 3,653 |
| Cost of funding earning assets | 0.2736% | 4,283 |
| Net interest margin | 3.3984% | 2,782 |
| Noninterest income to average assets | 1.4954% | 542 |
| Noninterest expense to average assets | 3.3303% | 867 |
| Loan and lease loss provision to assets | 0.2786% | 1,371 |
| Net operating income to assets | 1.0058% | 2,270 |
| Return on assets (ROA) | 1.0058% | 2,413 |
| Pretax return on assets | 1.0058% | 3,028 |
| Return on Equity (ROE) | 11.1422% | 1,580 |
| Retained earnings to average equity (ytd only) | 1.1027% | 4,189 |
| Net charge-offs to loans | 0.1403% | 1,153 |
| Credit loss provision to net charge-offs | 315.1261% | 1,681 |
| Earnings coverage of net charge-offs (x) | 14.5294% | 2,209 |
| Efficiency ratio | 71.6999% | 1,720 |
| Assets per employee ($millions) | 3.7490% | 4,540 |
| Cash dividends to net income (ytd only)* | 90.1034% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6783% | 1,087 |
| Loan loss allowance to noncurrent loans | 123.7303% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 1.1176% | 813 |
| Noncurrent loans to loans | 1.3564% | 1,000 |
| Net loans and leases to total assets | 56.6151% | 3,236 |
| Net loans and leases to deposits | 63.9889% | 3,440 |
| Net loans and leases to core deposits | 65.6130% | 3,570 |
| Total domestic deposits to total assets | 88.4763% | 1,242 |
| Equity capital to assets | 8.4665% | 4,470 |
| Core capital (leverage) ratio | 7.6278% | 4,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9367% | 1,553 |
| Memoranda: | ||
| Average total assets | $134,614,200 | 3,569 |
| Average earning assets | $123,556,800 | 3,588 |
| Average equity | $12,152,000 | 3,957 |
| Average total loans | $84,808,200 | 3,485 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8099% | 3,537 |
| Cost of funding earning assets | 0.3025% | 4,308 |
| Net interest margin | 3.5074% | 2,567 |
| Noninterest income to average assets | 1.5002% | 520 |
| Noninterest expense to average assets | 3.2068% | 1,064 |
| Loan and lease loss provision to assets | 0.1215% | 2,814 |
| Net operating income to assets | 1.3989% | 1,101 |
| Return on assets (ROA) | 1.3989% | 1,202 |
| Pretax return on assets | 1.3989% | 1,743 |
| Return on Equity (ROE) | 15.2342% | 657 |
| Retained earnings to average equity (ytd only) | 5.6439% | 2,264 |
| Net charge-offs to loans | 0.1318% | 1,092 |
| Credit loss provision to net charge-offs | 142.8571% | 2,365 |
| Earnings coverage of net charge-offs (x) | 17.8810% | 1,986 |
| Efficiency ratio | 67.3876% | 2,269 |
| Assets per employee ($millions) | 3.9584% | 4,344 |
| Cash dividends to net income (ytd only)* | 62.9522% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 1,868 |
| Loan loss allowance to noncurrent loans | 102.3156% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 1.2821% | 748 |
| Noncurrent loans to loans | 1.3405% | 1,098 |
| Net loans and leases to total assets | 60.2038% | 3,208 |
| Net loans and leases to deposits | 68.5330% | 3,429 |
| Net loans and leases to core deposits | 70.6227% | 3,581 |
| Total domestic deposits to total assets | 87.8464% | 1,289 |
| Equity capital to assets | 8.9768% | 4,139 |
| Core capital (leverage) ratio | 8.1254% | 4,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4685% | 1,381 |
| Memoranda: | ||
| Average total assets | $131,714,750 | 3,591 |
| Average earning assets | $121,189,250 | 3,604 |
| Average equity | $12,095,250 | 3,969 |
| Average total loans | $84,962,500 | 3,500 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9780% | 3,383 |
| Cost of funding earning assets | 0.3404% | 4,310 |
| Net interest margin | 3.6376% | 2,353 |
| Noninterest income to average assets | 1.4627% | 495 |
| Noninterest expense to average assets | 3.2719% | 1,038 |
| Loan and lease loss provision to assets | 0.1873% | 2,151 |
| Net operating income to assets | 1.3394% | 1,247 |
| Return on assets (ROA) | 1.3394% | 1,348 |
| Pretax return on assets | 1.3394% | 1,909 |
| Return on Equity (ROE) | 14.4651% | 796 |
| Retained earnings to average equity (ytd only) | 3.1695% | 3,315 |
| Net charge-offs to loans | 0.1258% | 1,093 |
| Credit loss provision to net charge-offs | 226.4151% | 1,815 |
| Earnings coverage of net charge-offs (x) | 18.4528% | 1,765 |
| Efficiency ratio | 67.7293% | 2,275 |
| Assets per employee ($millions) | 3.9736% | 4,338 |
| Cash dividends to net income (ytd only)* | 78.0886% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 1,729 |
| Loan loss allowance to noncurrent loans | 91.7541% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.4345% | 670 |
| Noncurrent loans to loans | 1.4802% | 1,026 |
| Net loans and leases to total assets | 63.9226% | 2,893 |
| Net loans and leases to deposits | 72.8386% | 3,177 |
| Net loans and leases to core deposits | 76.0234% | 3,282 |
| Total domestic deposits to total assets | 87.7592% | 1,303 |
| Equity capital to assets | 8.9498% | 4,128 |
| Core capital (leverage) ratio | 8.1377% | 4,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0053% | 1,486 |
| Memoranda: | ||
| Average total assets | $128,119,333 | 3,616 |
| Average earning assets | $117,495,667 | 3,629 |
| Average equity | $11,863,000 | 4,002 |
| Average total loans | $84,288,667 | 3,512 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1112% | 3,496 |
| Cost of funding earning assets | 0.4018% | 4,355 |
| Net interest margin | 3.7094% | 2,292 |
| Noninterest income to average assets | 1.3862% | 458 |
| Noninterest expense to average assets | 3.4116% | 1,051 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3470% | 1,117 |
| Return on assets (ROA) | 1.3470% | 1,203 |
| Pretax return on assets | 1.3470% | 1,729 |
| Return on Equity (ROE) | 14.2771% | 651 |
| Retained earnings to average equity (ytd only) | 3.2149% | 2,992 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2132% | 2,189 |
| Assets per employee ($millions) | 3.5948% | 4,398 |
| Cash dividends to net income (ytd only)* | 77.4818% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 1,595 |
| Loan loss allowance to noncurrent loans | 96.9824% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 1.5515% | 681 |
| Noncurrent loans to loans | 1.4731% | 1,087 |
| Net loans and leases to total assets | 63.4501% | 3,130 |
| Net loans and leases to deposits | 70.1509% | 3,580 |
| Net loans and leases to core deposits | 73.6591% | 3,657 |
| Total domestic deposits to total assets | 90.4480% | 210 |
| Equity capital to assets | 9.2674% | 4,415 |
| Core capital (leverage) ratio | 8.9572% | 4,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4383% | 1,776 |
| Memoranda: | ||
| Average total assets | $122,641,000 | 3,668 |
| Average earning assets | $111,501,000 | 3,694 |
| Average equity | $11,571,000 | 4,059 |
| Average total loans | $81,370,500 | 3,557 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2032% | 3,808 |
| Cost of funding earning assets | 0.3572% | 4,581 |
| Net interest margin | 3.8460% | 2,355 |
| Noninterest income to average assets | 1.2984% | 559 |
| Noninterest expense to average assets | 3.5444% | 909 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2764% | 1,784 |
| Return on assets (ROA) | 1.2866% | 1,822 |
| Pretax return on assets | 1.2866% | 2,550 |
| Return on Equity (ROE) | 13.6058% | 982 |
| Retained earnings to average equity (ytd only) | 3.9258% | 3,003 |
| Net charge-offs to loans | 0.0182% | 3,068 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 100.4000% | 675 |
| Efficiency ratio | 73.0134% | 1,732 |
| Assets per employee ($millions) | 3.4133% | 4,558 |
| Cash dividends to net income (ytd only)* | 71.1462% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 1,470 |
| Loan loss allowance to noncurrent loans | 102.0282% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 1.6164% | 597 |
| Noncurrent loans to loans | 1.3871% | 1,059 |
| Net loans and leases to total assets | 67.4641% | 2,760 |
| Net loans and leases to deposits | 75.2186% | 3,241 |
| Net loans and leases to core deposits | 78.4748% | 3,420 |
| Total domestic deposits to total assets | 89.6907% | 426 |
| Equity capital to assets | 9.6112% | 4,264 |
| Core capital (leverage) ratio | 9.0781% | 4,461 |
| Tier 1 risk-based capital ratio | 14.2324% | 3,152 |
| Total risk-based capital ratio | 15.4850% | 3,069 |
| Memoranda: | ||
| Average total assets | $117,989,400 | 3,731 |
| Average earning assets | $108,061,200 | 3,747 |
| Average equity | $11,157,000 | 4,103 |
| Average total loans | $82,258,400 | 3,554 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2541% | 3,800 |
| Cost of funding earning assets | 0.3380% | 4,696 |
| Net interest margin | 3.9161% | 2,201 |
| Noninterest income to average assets | 1.2685% | 569 |
| Noninterest expense to average assets | 3.6206% | 826 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2197% | 2,126 |
| Return on assets (ROA) | 1.2333% | 2,161 |
| Pretax return on assets | 1.2333% | 2,876 |
| Return on Equity (ROE) | 13.0974% | 1,245 |
| Retained earnings to average equity (ytd only) | 3.4669% | 3,672 |
| Net charge-offs to loans | 0.0227% | 2,650 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 76.8415% | 881 |
| Efficiency ratio | 74.3091% | 1,515 |
| Assets per employee ($millions) | 3.1980% | 4,758 |
| Cash dividends to net income (ytd only)* | 73.5294% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4114% | 1,530 |
| Loan loss allowance to noncurrent loans | 73.1985% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.8770% | 505 |
| Noncurrent loans to loans | 1.9281% | 720 |
| Net loans and leases to total assets | 66.5633% | 2,981 |
| Net loans and leases to deposits | 73.6189% | 3,509 |
| Net loans and leases to core deposits | 76.5310% | 3,661 |
| Total domestic deposits to total assets | 90.4160% | 190 |
| Equity capital to assets | 9.3849% | 4,537 |
| Core capital (leverage) ratio | 9.2617% | 4,416 |
| Tier 1 risk-based capital ratio | 13.9792% | 3,343 |
| Total risk-based capital ratio | 15.2315% | 3,258 |
| Memoranda: | ||
| Average total assets | $117,620,500 | 3,778 |
| Average earning assets | $107,282,000 | 3,801 |
| Average equity | $11,075,750 | 4,150 |
| Average total loans | $82,384,750 | 3,592 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2970% | 3,640 |
| Cost of funding earning assets | 0.3153% | 4,787 |
| Net interest margin | 3.9817% | 1,978 |
| Noninterest income to average assets | 1.2122% | 580 |
| Noninterest expense to average assets | 3.6331% | 814 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2053% | 2,132 |
| Return on assets (ROA) | 1.2259% | 2,112 |
| Pretax return on assets | 1.2259% | 2,827 |
| Return on Equity (ROE) | 13.0038% | 1,239 |
| Retained earnings to average equity (ytd only) | 2.9728% | 3,728 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5913% | 1,572 |
| Assets per employee ($millions) | 3.0027% | 4,908 |
| Cash dividends to net income (ytd only)* | 77.1388% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 1,628 |
| Loan loss allowance to noncurrent loans | 36.2426% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 3.7403% | 127 |
| Noncurrent loans to loans | 3.8544% | 193 |
| Net loans and leases to total assets | 70.5834% | 2,452 |
| Net loans and leases to deposits | 78.1661% | 3,138 |
| Net loans and leases to core deposits | 81.3896% | 3,304 |
| Total domestic deposits to total assets | 90.2992% | 243 |
| Equity capital to assets | 9.6043% | 4,310 |
| Core capital (leverage) ratio | 9.2475% | 4,412 |
| Tier 1 risk-based capital ratio | 13.6710% | 3,500 |
| Total risk-based capital ratio | 14.9238% | 3,392 |
| Memoranda: | ||
| Average total assets | $116,319,000 | 3,819 |
| Average earning assets | $105,934,330 | 3,842 |
| Average equity | $10,966,000 | 4,180 |
| Average total loans | $82,496,670 | 3,607 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2723% | 3,640 |
| Cost of funding earning assets | 0.2823% | 4,891 |
| Net interest margin | 3.9900% | 1,875 |
| Noninterest income to average assets | 1.1525% | 606 |
| Noninterest expense to average assets | 3.6161% | 831 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1939% | 2,081 |
| Return on assets (ROA) | 1.1939% | 2,132 |
| Pretax return on assets | 1.1939% | 2,830 |
| Return on Equity (ROE) | 12.7846% | 1,290 |
| Retained earnings to average equity (ytd only) | 3.5472% | 3,493 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6772% | 1,655 |
| Assets per employee ($millions) | 2.9979% | 4,977 |
| Cash dividends to net income (ytd only)* | 72.2543% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4147% | 1,619 |
| Loan loss allowance to noncurrent loans | 90.3624% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 2.0920% | 441 |
| Noncurrent loans to loans | 1.5656% | 1,018 |
| Net loans and leases to total assets | 69.8526% | 2,505 |
| Net loans and leases to deposits | 77.1602% | 3,149 |
| Net loans and leases to core deposits | 80.3485% | 3,330 |
| Total domestic deposits to total assets | 90.5293% | 278 |
| Equity capital to assets | 9.3492% | 4,386 |
| Core capital (leverage) ratio | 9.2353% | 4,425 |
| Tier 1 risk-based capital ratio | 13.8556% | 3,420 |
| Total risk-based capital ratio | 15.1080% | 3,328 |
| Memoranda: | ||
| Average total assets | $115,926,500 | 3,862 |
| Average earning assets | $106,266,000 | 3,875 |
| Average equity | $10,825,500 | 4,224 |
| Average total loans | $81,831,500 | 3,656 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1270% | 3,657 |
| Cost of funding earning assets | 0.1981% | 5,011 |
| Net interest margin | 3.9289% | 2,232 |
| Noninterest income to average assets | 1.1597% | 688 |
| Noninterest expense to average assets | 3.6619% | 812 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1427% | 2,422 |
| Return on assets (ROA) | 1.1427% | 2,421 |
| Pretax return on assets | 1.1427% | 3,123 |
| Return on Equity (ROE) | 12.6160% | 1,502 |
| Retained earnings to average equity (ytd only) | 1.3903% | 4,574 |
| Net charge-offs to loans | -0.0024% | 4,257 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7039% | 1,404 |
| Assets per employee ($millions) | 2.9470% | 5,024 |
| Cash dividends to net income (ytd only)* | 88.9799% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 1,450 |
| Loan loss allowance to noncurrent loans | 78.3946% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 2.3005% | 360 |
| Noncurrent loans to loans | 1.8498% | 761 |
| Net loans and leases to total assets | 69.2989% | 2,693 |
| Net loans and leases to deposits | 76.5052% | 3,318 |
| Net loans and leases to core deposits | 79.8012% | 3,445 |
| Total domestic deposits to total assets | 90.5807% | 303 |
| Equity capital to assets | 9.3271% | 4,296 |
| Core capital (leverage) ratio | 8.9602% | 4,687 |
| Tier 1 risk-based capital ratio | 13.5037% | 3,545 |
| Total risk-based capital ratio | 14.7568% | 3,452 |
| Memoranda: | ||
| Average total assets | $117,533,400 | 3,829 |
| Average earning assets | $109,037,800 | 3,822 |
| Average equity | $10,645,200 | 4,211 |
| Average total loans | $83,276,800 | 3,604 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 3,558 |
| Cost of funding earning assets | 0.1951% | 5,035 |
| Net interest margin | 3.9302% | 2,198 |
| Noninterest income to average assets | 1.1101% | 764 |
| Noninterest expense to average assets | 3.5842% | 876 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1857% | 2,287 |
| Return on assets (ROA) | 1.1857% | 2,290 |
| Pretax return on assets | 1.1857% | 3,044 |
| Return on Equity (ROE) | 13.1868% | 1,361 |
| Retained earnings to average equity (ytd only) | 2.0200% | 4,577 |
| Net charge-offs to loans | -0.0016% | 4,065 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6452% | 1,506 |
| Assets per employee ($millions) | 3.0576% | 5,000 |
| Cash dividends to net income (ytd only)* | 84.6814% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4315% | 1,587 |
| Loan loss allowance to noncurrent loans | 57.0594% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 2.3087% | 403 |
| Noncurrent loans to loans | 2.5088% | 520 |
| Net loans and leases to total assets | 67.6744% | 2,990 |
| Net loans and leases to deposits | 74.3092% | 3,566 |
| Net loans and leases to core deposits | 77.6519% | 3,684 |
| Total domestic deposits to total assets | 91.0714% | 201 |
| Equity capital to assets | 8.8305% | 4,689 |
| Core capital (leverage) ratio | 8.9992% | 4,703 |
| Tier 1 risk-based capital ratio | 14.0509% | 3,349 |
| Total risk-based capital ratio | 15.3044% | 3,252 |
| Memoranda: | ||
| Average total assets | $118,183,250 | 3,856 |
| Average earning assets | $110,052,000 | 3,843 |
| Average equity | $10,626,500 | 4,252 |
| Average total loans | $83,891,000 | 3,629 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1811% | 3,169 |
| Cost of funding earning assets | 0.2039% | 5,010 |
| Net interest margin | 3.9772% | 1,935 |
| Noninterest income to average assets | 1.0914% | 809 |
| Noninterest expense to average assets | 3.5441% | 936 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2561% | 1,959 |
| Return on assets (ROA) | 1.2561% | 1,956 |
| Pretax return on assets | 1.2561% | 2,698 |
| Return on Equity (ROE) | 13.8854% | 1,108 |
| Retained earnings to average equity (ytd only) | 2.7208% | 4,162 |
| Net charge-offs to loans | -0.0024% | 3,975 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3380% | 1,799 |
| Assets per employee ($millions) | 3.0641% | 5,057 |
| Cash dividends to net income (ytd only)* | 80.4054% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 1,721 |
| Loan loss allowance to noncurrent loans | 65.1642% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 2.1437% | 475 |
| Noncurrent loans to loans | 2.1621% | 654 |
| Net loans and leases to total assets | 70.3749% | 2,524 |
| Net loans and leases to deposits | 77.4848% | 3,204 |
| Net loans and leases to core deposits | 80.6085% | 3,364 |
| Total domestic deposits to total assets | 90.8241% | 297 |
| Equity capital to assets | 9.0909% | 4,488 |
| Core capital (leverage) ratio | 8.8806% | 4,811 |
| Tier 1 risk-based capital ratio | 13.4802% | 3,625 |
| Total risk-based capital ratio | 14.7333% | 3,538 |
| Memoranda: | ||
| Average total assets | $117,829,000 | 3,893 |
| Average earning assets | $109,876,330 | 3,875 |
| Average equity | $10,658,670 | 4,284 |
| Average total loans | $84,564,330 | 3,635 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9875% | 3,654 |
| Cost of funding earning assets | 0.1997% | 5,019 |
| Net interest margin | 3.7877% | 2,470 |
| Noninterest income to average assets | 1.0766% | 793 |
| Noninterest expense to average assets | 3.4018% | 1,163 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1947% | 2,026 |
| Return on assets (ROA) | 1.1947% | 2,041 |
| Pretax return on assets | 1.1947% | 2,772 |
| Return on Equity (ROE) | 13.2392% | 1,200 |
| Retained earnings to average equity (ytd only) | 1.2716% | 4,551 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4949% | 1,968 |
| Assets per employee ($millions) | 3.1095% | 5,082 |
| Cash dividends to net income (ytd only)* | 90.3955% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 1,917 |
| Loan loss allowance to noncurrent loans | 121.8750% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.4040% | 1,031 |
| Noncurrent loans to loans | 1.1323% | 1,617 |
| Net loans and leases to total assets | 70.7625% | 2,363 |
| Net loans and leases to deposits | 80.0546% | 2,803 |
| Net loans and leases to core deposits | 83.7529% | 3,003 |
| Total domestic deposits to total assets | 88.3929% | 1,412 |
| Equity capital to assets | 8.9616% | 4,599 |
| Core capital (leverage) ratio | 8.7416% | 4,960 |
| Tier 1 risk-based capital ratio | 13.1882% | 3,856 |
| Total risk-based capital ratio | 14.4411% | 3,751 |
| Memoranda: | ||
| Average total assets | $118,526,000 | 3,924 |
| Average earning assets | $110,145,500 | 3,913 |
| Average equity | $10,695,500 | 4,321 |
| Average total loans | $85,290,500 | 3,645 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2872% | 2,374 |
| Cost of funding earning assets | 0.1653% | 5,183 |
| Net interest margin | 4.1220% | 1,368 |
| Noninterest income to average assets | 1.1663% | 758 |
| Noninterest expense to average assets | 3.5684% | 930 |
| Loan and lease loss provision to assets | 0.1387% | 1,650 |
| Net operating income to assets | 1.2877% | 1,255 |
| Return on assets (ROA) | 1.2877% | 1,279 |
| Pretax return on assets | 1.2877% | 2,402 |
| Return on Equity (ROE) | 13.9547% | 766 |
| Retained earnings to average equity (ytd only) | 4.9805% | 2,137 |
| Net charge-offs to loans | 0.0440% | 2,910 |
| Credit loss provision to net charge-offs | 432.4324% | 716 |
| Earnings coverage of net charge-offs (x) | 44.4595% | 1,182 |
| Efficiency ratio | 70.9375% | 2,409 |
| Assets per employee ($millions) | 3.0485% | 5,165 |
| Cash dividends to net income (ytd only)* | 64.3098% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3637% | 1,918 |
| Loan loss allowance to noncurrent loans | 123.2877% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 1.3870% | 1,019 |
| Noncurrent loans to loans | 1.1061% | 1,599 |
| Net loans and leases to total assets | 71.1806% | 2,356 |
| Net loans and leases to deposits | 81.3692% | 2,775 |
| Net loans and leases to core deposits | 84.9048% | 2,992 |
| Total domestic deposits to total assets | 87.4786% | 1,774 |
| Equity capital to assets | 9.0856% | 4,635 |
| Core capital (leverage) ratio | 8.8413% | 4,820 |
| Tier 1 risk-based capital ratio | 12.9309% | 3,944 |
| Total risk-based capital ratio | 14.1832% | 3,850 |
| Memoranda: | ||
| Average total assets | $115,318,200 | 3,973 |
| Average earning assets | $107,108,400 | 3,961 |
| Average equity | $10,641,600 | 4,359 |
| Average total loans | $84,123,200 | 3,653 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2397% | 2,476 |
| Cost of funding earning assets | 0.1603% | 5,249 |
| Net interest margin | 4.0795% | 1,446 |
| Noninterest income to average assets | 1.1804% | 737 |
| Noninterest expense to average assets | 3.4957% | 1,002 |
| Loan and lease loss provision to assets | 0.1864% | 1,054 |
| Net operating income to assets | 1.2946% | 1,357 |
| Return on assets (ROA) | 1.2946% | 1,388 |
| Pretax return on assets | 1.2946% | 2,520 |
| Return on Equity (ROE) | 13.9726% | 838 |
| Retained earnings to average equity (ytd only) | 5.7348% | 2,408 |
| Net charge-offs to loans | 0.0096% | 3,388 |
| Credit loss provision to net charge-offs | 2,666.6667% | 165 |
| Earnings coverage of net charge-offs (x) | 211.8275% | 406 |
| Efficiency ratio | 69.7495% | 2,576 |
| Assets per employee ($millions) | 3.1337% | 5,142 |
| Cash dividends to net income (ytd only)* | 58.9556% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 1,805 |
| Loan loss allowance to noncurrent loans | 151.2594% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 1.2687% | 1,279 |
| Noncurrent loans to loans | 0.9392% | 2,047 |
| Net loans and leases to total assets | 71.8796% | 2,268 |
| Net loans and leases to deposits | 82.5162% | 2,721 |
| Net loans and leases to core deposits | 86.4805% | 2,925 |
| Total domestic deposits to total assets | 87.1097% | 1,824 |
| Equity capital to assets | 9.3671% | 4,576 |
| Core capital (leverage) ratio | 8.9599% | 4,784 |
| Tier 1 risk-based capital ratio | 13.1078% | 3,936 |
| Total risk-based capital ratio | 14.3605% | 3,841 |
| Memoranda: | ||
| Average total assets | $114,424,750 | 4,025 |
| Average earning assets | $106,482,000 | 4,015 |
| Average equity | $10,601,500 | 4,402 |
| Average total loans | $83,704,500 | 3,689 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2444% | 2,312 |
| Cost of funding earning assets | 0.1626% | 5,256 |
| Net interest margin | 4.0818% | 1,376 |
| Noninterest income to average assets | 1.1166% | 804 |
| Noninterest expense to average assets | 3.4727% | 1,049 |
| Loan and lease loss provision to assets | 0.2107% | 847 |
| Net operating income to assets | 1.2237% | 1,522 |
| Return on assets (ROA) | 1.2237% | 1,562 |
| Pretax return on assets | 1.2237% | 2,682 |
| Return on Equity (ROE) | 13.2573% | 968 |
| Retained earnings to average equity (ytd only) | 5.0785% | 2,662 |
| Net charge-offs to loans | 0.0024% | 3,422 |
| Credit loss provision to net charge-offs | 12,000.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 817.0000% | 89 |
| Efficiency ratio | 70.2683% | 2,630 |
| Assets per employee ($millions) | 2.9574% | 5,311 |
| Cash dividends to net income (ytd only)* | 61.6930% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4020% | 1,942 |
| Loan loss allowance to noncurrent loans | 109.0739% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 1.5138% | 996 |
| Noncurrent loans to loans | 1.2854% | 1,497 |
| Net loans and leases to total assets | 71.0959% | 2,354 |
| Net loans and leases to deposits | 81.3649% | 2,759 |
| Net loans and leases to core deposits | 85.0652% | 2,964 |
| Total domestic deposits to total assets | 87.3791% | 1,774 |
| Equity capital to assets | 9.3151% | 4,605 |
| Core capital (leverage) ratio | 8.6162% | 5,128 |
| Tier 1 risk-based capital ratio | 12.7969% | 4,122 |
| Total risk-based capital ratio | 14.0488% | 4,030 |
| Memoranda: | ||
| Average total assets | $113,917,000 | 4,062 |
| Average earning assets | $105,787,670 | 4,050 |
| Average equity | $10,515,000 | 4,433 |
| Average total loans | $83,424,670 | 3,706 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3691% | 1,755 |
| Cost of funding earning assets | 0.1639% | 5,279 |
| Net interest margin | 4.2052% | 979 |
| Noninterest income to average assets | 1.1201% | 792 |
| Noninterest expense to average assets | 3.4910% | 1,059 |
| Loan and lease loss provision to assets | 0.2120% | 768 |
| Net operating income to assets | 1.3144% | 1,203 |
| Return on assets (ROA) | 1.3144% | 1,237 |
| Pretax return on assets | 1.3144% | 2,188 |
| Return on Equity (ROE) | 14.3070% | 750 |
| Retained earnings to average equity (ytd only) | 4.6921% | 3,057 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0845% | 3,027 |
| Assets per employee ($millions) | 3.1846% | 5,183 |
| Cash dividends to net income (ytd only)* | 67.2043% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 2,470 |
| Loan loss allowance to noncurrent loans | 137.8580% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 1.3005% | 1,307 |
| Noncurrent loans to loans | 0.9530% | 2,138 |
| Net loans and leases to total assets | 72.5285% | 1,998 |
| Net loans and leases to deposits | 84.4850% | 2,222 |
| Net loans and leases to core deposits | 89.1375% | 2,440 |
| Total domestic deposits to total assets | 85.8477% | 2,741 |
| Equity capital to assets | 9.1342% | 4,678 |
| Core capital (leverage) ratio | 8.5839% | 5,167 |
| Tier 1 risk-based capital ratio | 12.4060% | 4,444 |
| Total risk-based capital ratio | 13.6569% | 4,348 |
| Memoranda: | ||
| Average total assets | $113,205,500 | 4,108 |
| Average earning assets | $104,918,000 | 4,106 |
| Average equity | $10,400,500 | 4,479 |
| Average total loans | $83,553,000 | 3,729 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0092% | 3,165 |
| Cost of funding earning assets | 0.1682% | 5,296 |
| Net interest margin | 3.8410% | 2,170 |
| Noninterest income to average assets | 1.1562% | 853 |
| Noninterest expense to average assets | 3.5724% | 1,048 |
| Loan and lease loss provision to assets | 0.2166% | 1,028 |
| Net operating income to assets | 0.9324% | 2,668 |
| Return on assets (ROA) | 0.9540% | 2,669 |
| Pretax return on assets | 0.9540% | 3,639 |
| Return on Equity (ROE) | 10.0473% | 1,939 |
| Retained earnings to average equity (ytd only) | 1.3023% | 4,760 |
| Net charge-offs to loans | 0.0147% | 3,805 |
| Credit loss provision to net charge-offs | 2,000.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 106.0833% | 571 |
| Efficiency ratio | 75.1099% | 2,122 |
| Assets per employee ($millions) | 3.0207% | 5,338 |
| Cash dividends to net income (ytd only)* | 87.0388% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 2,737 |
| Loan loss allowance to noncurrent loans | 64.7095% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 2.0633% | 651 |
| Noncurrent loans to loans | 1.9530% | 936 |
| Net loans and leases to total assets | 73.1902% | 1,977 |
| Net loans and leases to deposits | 87.8400% | 1,946 |
| Net loans and leases to core deposits | 92.5958% | 2,243 |
| Total domestic deposits to total assets | 83.3221% | 3,655 |
| Equity capital to assets | 9.2417% | 4,525 |
| Core capital (leverage) ratio | 8.7850% | 4,983 |
| Tier 1 risk-based capital ratio | 12.4048% | 4,439 |
| Total risk-based capital ratio | 13.6549% | 4,325 |
| Memoranda: | ||
| Average total assets | $110,792,600 | 4,147 |
| Average earning assets | $102,837,400 | 4,141 |
| Average equity | $10,520,200 | 4,489 |
| Average total loans | $81,806,400 | 3,766 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0025% | 3,225 |
| Cost of funding earning assets | 0.1716% | 5,337 |
| Net interest margin | 3.8309% | 2,225 |
| Noninterest income to average assets | 1.1699% | 840 |
| Noninterest expense to average assets | 3.5290% | 1,098 |
| Loan and lease loss provision to assets | 0.2171% | 957 |
| Net operating income to assets | 0.9781% | 2,526 |
| Return on assets (ROA) | 1.0071% | 2,537 |
| Pretax return on assets | 1.0071% | 3,606 |
| Return on Equity (ROE) | 10.5347% | 1,853 |
| Retained earnings to average equity (ytd only) | 2.2079% | 4,593 |
| Net charge-offs to loans | 0.0196% | 3,307 |
| Credit loss provision to net charge-offs | 1,500.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 82.5813% | 761 |
| Efficiency ratio | 74.1639% | 2,256 |
| Assets per employee ($millions) | 2.8783% | 5,484 |
| Cash dividends to net income (ytd only)* | 79.0418% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 3,220 |
| Loan loss allowance to noncurrent loans | 54.7421% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 2.2812% | 632 |
| Noncurrent loans to loans | 2.1976% | 851 |
| Net loans and leases to total assets | 74.1108% | 1,856 |
| Net loans and leases to deposits | 87.4912% | 2,082 |
| Net loans and leases to core deposits | 92.2466% | 2,352 |
| Total domestic deposits to total assets | 84.7066% | 2,942 |
| Equity capital to assets | 9.8168% | 4,341 |
| Core capital (leverage) ratio | 9.0053% | 4,825 |
| Tier 1 risk-based capital ratio | 12.5594% | 4,437 |
| Total risk-based capital ratio | 13.8093% | 4,345 |
| Memoranda: | ||
| Average total assets | $110,549,500 | 4,180 |
| Average earning assets | $102,566,500 | 4,175 |
| Average equity | $10,568,000 | 4,528 |
| Average total loans | $81,546,000 | 3,788 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0065% | 3,220 |
| Cost of funding earning assets | 0.1789% | 5,329 |
| Net interest margin | 3.8275% | 2,215 |
| Noninterest income to average assets | 1.0979% | 932 |
| Noninterest expense to average assets | 3.5226% | 1,126 |
| Loan and lease loss provision to assets | 0.2163% | 967 |
| Net operating income to assets | 0.9068% | 2,827 |
| Return on assets (ROA) | 0.9338% | 2,841 |
| Pretax return on assets | 0.9338% | 3,821 |
| Return on Equity (ROE) | 9.8557% | 2,112 |
| Retained earnings to average equity (ytd only) | 1.3889% | 4,823 |
| Net charge-offs to loans | 0.0172% | 3,169 |
| Credit loss provision to net charge-offs | 1,714.2857% | 235 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 641 |
| Efficiency ratio | 75.2813% | 2,185 |
| Assets per employee ($millions) | 3.0164% | 5,413 |
| Cash dividends to net income (ytd only)* | 85.9073% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 3,602 |
| Loan loss allowance to noncurrent loans | 60.0903% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 2.1724% | 715 |
| Noncurrent loans to loans | 1.9247% | 1,050 |
| Net loans and leases to total assets | 73.3516% | 1,957 |
| Net loans and leases to deposits | 88.0485% | 1,991 |
| Net loans and leases to core deposits | 92.6824% | 2,287 |
| Total domestic deposits to total assets | 83.3082% | 3,541 |
| Equity capital to assets | 9.8654% | 4,375 |
| Core capital (leverage) ratio | 8.5351% | 5,335 |
| Tier 1 risk-based capital ratio | 12.8367% | 4,292 |
| Total risk-based capital ratio | 14.0699% | 4,219 |
| Memoranda: | ||
| Average total assets | $110,941,330 | 4,211 |
| Average earning assets | $102,834,000 | 4,202 |
| Average equity | $10,511,670 | 4,566 |
| Average total loans | $81,379,670 | 3,812 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7971% | 3,954 |
| Cost of funding earning assets | 0.1847% | 5,330 |
| Net interest margin | 3.6125% | 3,038 |
| Noninterest income to average assets | 1.0097% | 1,056 |
| Noninterest expense to average assets | 3.3893% | 1,402 |
| Loan and lease loss provision to assets | 0.2141% | 904 |
| Net operating income to assets | 0.7564% | 3,455 |
| Return on assets (ROA) | 0.7564% | 3,562 |
| Pretax return on assets | 0.7564% | 4,347 |
| Return on Equity (ROE) | 8.1452% | 2,833 |
| Retained earnings to average equity (ytd only) | -3.7652% | 5,535 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1686% | 2,013 |
| Assets per employee ($millions) | 3.1463% | 5,350 |
| Cash dividends to net income (ytd only)* | 146.2264% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 4,315 |
| Loan loss allowance to noncurrent loans | 52.6032% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 2.1886% | 757 |
| Noncurrent loans to loans | 2.0055% | 1,070 |
| Net loans and leases to total assets | 72.7838% | 1,906 |
| Net loans and leases to deposits | 93.2368% | 1,210 |
| Net loans and leases to core deposits | 99.7423% | 1,503 |
| Total domestic deposits to total assets | 78.0633% | 5,137 |
| Equity capital to assets | 9.2304% | 4,956 |
| Core capital (leverage) ratio | 8.5720% | 5,322 |
| Tier 1 risk-based capital ratio | 12.2796% | 4,732 |
| Total risk-based capital ratio | 13.4126% | 4,704 |
| Memoranda: | ||
| Average total assets | $112,116,000 | 4,220 |
| Average earning assets | $103,973,500 | 4,209 |
| Average equity | $10,411,000 | 4,594 |
| Average total loans | $81,776,500 | 3,810 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 2,882 |
| Cost of funding earning assets | 0.2210% | 5,085 |
| Net interest margin | 3.8874% | 2,072 |
| Noninterest income to average assets | 1.1448% | 899 |
| Noninterest expense to average assets | 3.3542% | 1,595 |
| Loan and lease loss provision to assets | 0.2136% | 975 |
| Net operating income to assets | 1.1626% | 1,691 |
| Return on assets (ROA) | 1.1626% | 1,766 |
| Pretax return on assets | 1.1626% | 2,802 |
| Return on Equity (ROE) | 13.0124% | 1,057 |
| Retained earnings to average equity (ytd only) | 7.5324% | 1,087 |
| Net charge-offs to loans | 0.0091% | 4,137 |
| Credit loss provision to net charge-offs | 3,428.5714% | 111 |
| Earnings coverage of net charge-offs (x) | 220.8571% | 313 |
| Efficiency ratio | 70.3613% | 3,165 |
| Assets per employee ($millions) | 3.0824% | 5,442 |
| Cash dividends to net income (ytd only)* | 42.1133% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 4,480 |
| Loan loss allowance to noncurrent loans | 139.9317% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 1.2563% | 1,702 |
| Noncurrent loans to loans | 0.7304% | 2,995 |
| Net loans and leases to total assets | 71.5667% | 2,130 |
| Net loans and leases to deposits | 87.2202% | 1,973 |
| Net loans and leases to core deposits | 92.8374% | 2,145 |
| Total domestic deposits to total assets | 82.0529% | 4,154 |
| Equity capital to assets | 9.3426% | 4,737 |
| Core capital (leverage) ratio | 8.7492% | 5,166 |
| Tier 1 risk-based capital ratio | 12.8602% | 4,415 |
| Total risk-based capital ratio | 13.9518% | 4,412 |
| Memoranda: | ||
| Average total assets | $112,335,600 | 4,213 |
| Average earning assets | $103,616,600 | 4,193 |
| Average equity | $10,036,600 | 4,659 |
| Average total loans | $76,545,800 | 3,927 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9427% | 3,575 |
| Cost of funding earning assets | 0.2300% | 5,092 |
| Net interest margin | 3.7127% | 2,713 |
| Noninterest income to average assets | 1.0827% | 1,026 |
| Noninterest expense to average assets | 3.3309% | 1,622 |
| Loan and lease loss provision to assets | 0.2130% | 903 |
| Net operating income to assets | 0.9573% | 2,686 |
| Return on assets (ROA) | 0.9573% | 2,772 |
| Pretax return on assets | 0.9573% | 3,789 |
| Return on Equity (ROE) | 10.8362% | 1,770 |
| Retained earnings to average equity (ytd only) | 7.4875% | 1,450 |
| Net charge-offs to loans | 0.0070% | 3,925 |
| Credit loss provision to net charge-offs | 4,500.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 247.3977% | 286 |
| Efficiency ratio | 73.4490% | 2,645 |
| Assets per employee ($millions) | 3.0900% | 5,441 |
| Cash dividends to net income (ytd only)* | 30.9028% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 4,935 |
| Loan loss allowance to noncurrent loans | 207.0652% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.9493% | 2,485 |
| Noncurrent loans to loans | 0.4642% | 3,964 |
| Net loans and leases to total assets | 70.5769% | 2,302 |
| Net loans and leases to deposits | 86.3429% | 2,110 |
| Net loans and leases to core deposits | 93.8800% | 2,086 |
| Total domestic deposits to total assets | 81.7402% | 4,244 |
| Equity capital to assets | 9.2962% | 5,011 |
| Core capital (leverage) ratio | 8.3481% | 5,678 |
| Tier 1 risk-based capital ratio | 12.8283% | 4,532 |
| Total risk-based capital ratio | 13.8615% | 4,581 |
| Memoranda: | ||
| Average total assets | $112,678,250 | 4,254 |
| Average earning assets | $103,750,250 | 4,243 |
| Average equity | $9,954,000 | 4,728 |
| Average total loans | $75,623,750 | 3,989 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8629% | 3,821 |
| Cost of funding earning assets | 0.2447% | 4,998 |
| Net interest margin | 3.6183% | 3,021 |
| Noninterest income to average assets | 1.0711% | 1,044 |
| Noninterest expense to average assets | 3.2733% | 1,779 |
| Loan and lease loss provision to assets | 0.2121% | 909 |
| Net operating income to assets | 0.9049% | 2,850 |
| Return on assets (ROA) | 0.9049% | 2,971 |
| Pretax return on assets | 0.9049% | 3,941 |
| Return on Equity (ROE) | 10.4224% | 1,883 |
| Retained earnings to average equity (ytd only) | 5.3333% | 2,650 |
| Net charge-offs to loans | 0.0108% | 3,534 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 417 |
| Efficiency ratio | 73.9936% | 2,677 |
| Assets per employee ($millions) | 3.2531% | 5,243 |
| Cash dividends to net income (ytd only)* | 48.8281% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9293% | 5,182 |
| Loan loss allowance to noncurrent loans | 198.3051% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.9248% | 2,685 |
| Noncurrent loans to loans | 0.4686% | 4,073 |
| Net loans and leases to total assets | 65.7272% | 2,998 |
| Net loans and leases to deposits | 79.6384% | 2,837 |
| Net loans and leases to core deposits | 88.6442% | 2,492 |
| Total domestic deposits to total assets | 82.5321% | 4,115 |
| Equity capital to assets | 8.7643% | 5,467 |
| Core capital (leverage) ratio | 8.0539% | 5,902 |
| Tier 1 risk-based capital ratio | 12.5072% | 4,797 |
| Total risk-based capital ratio | 13.4657% | 4,887 |
| Memoranda: | ||
| Average total assets | $113,158,000 | 4,276 |
| Average earning assets | $103,807,000 | 4,277 |
| Average equity | $9,825,000 | 4,779 |
| Average total loans | $74,408,000 | 4,048 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8192% | 3,933 |
| Cost of funding earning assets | 0.2805% | 4,666 |
| Net interest margin | 3.5388% | 3,268 |
| Noninterest income to average assets | 1.0957% | 942 |
| Noninterest expense to average assets | 3.2870% | 1,750 |
| Loan and lease loss provision to assets | 0.2128% | 837 |
| Net operating income to assets | 0.8616% | 2,949 |
| Return on assets (ROA) | 0.8616% | 3,067 |
| Pretax return on assets | 0.8616% | 4,015 |
| Return on Equity (ROE) | 9.9713% | 2,023 |
| Retained earnings to average equity (ytd only) | -0.2872% | 5,434 |
| Net charge-offs to loans | 0.0217% | 2,712 |
| Credit loss provision to net charge-offs | 1,500.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 75.7500% | 618 |
| Efficiency ratio | 74.7967% | 2,689 |
| Assets per employee ($millions) | 3.2413% | 5,337 |
| Cash dividends to net income (ytd only)* | 102.8807% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8643% | 5,532 |
| Loan loss allowance to noncurrent loans | 187.7193% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 1.4139% | 1,877 |
| Noncurrent loans to loans | 0.4604% | 4,203 |
| Net loans and leases to total assets | 64.9116% | 2,959 |
| Net loans and leases to deposits | 77.9422% | 2,813 |
| Net loans and leases to core deposits | 90.9719% | 2,036 |
| Total domestic deposits to total assets | 83.2818% | 4,089 |
| Equity capital to assets | 8.6588% | 5,607 |
| Core capital (leverage) ratio | 7.9474% | 5,971 |
| Tier 1 risk-based capital ratio | 12.5475% | 4,877 |
| Total risk-based capital ratio | 13.4536% | 5,019 |
| Memoranda: | ||
| Average total assets | $112,807,000 | 4,316 |
| Average earning assets | $104,104,500 | 4,297 |
| Average equity | $9,748,000 | 4,835 |
| Average total loans | $73,842,500 | 4,084 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8431% | 1,022 |
| Cost of funding earning assets | 0.3128% | 4,653 |
| Net interest margin | 4.5302% | 706 |
| Noninterest income to average assets | 1.0469% | 1,118 |
| Noninterest expense to average assets | 3.4795% | 1,530 |
| Loan and lease loss provision to assets | 0.2551% | 881 |
| Net operating income to assets | 1.4286% | 1,023 |
| Return on assets (ROA) | 1.4368% | 1,039 |
| Pretax return on assets | 1.4368% | 1,763 |
| Return on Equity (ROE) | 17.1727% | 474 |
| Retained earnings to average equity (ytd only) | 7.5355% | 1,184 |
| Net charge-offs to loans | 0.0247% | 4,341 |
| Credit loss provision to net charge-offs | 1,555.5556% | 188 |
| Earnings coverage of net charge-offs (x) | 102.6667% | 515 |
| Efficiency ratio | 66.7196% | 4,105 |
| Assets per employee ($millions) | 3.0316% | 5,655 |
| Cash dividends to net income (ytd only)* | 56.1192% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7983% | 5,775 |
| Loan loss allowance to noncurrent loans | 152.6042% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 1.4674% | 1,872 |
| Noncurrent loans to loans | 0.5231% | 4,103 |
| Net loans and leases to total assets | 64.9181% | 3,065 |
| Net loans and leases to deposits | 77.0536% | 3,078 |
| Net loans and leases to core deposits | 92.2950% | 2,057 |
| Total domestic deposits to total assets | 84.2506% | 3,608 |
| Equity capital to assets | 8.6236% | 5,631 |
| Core capital (leverage) ratio | 7.8362% | 6,084 |
| Tier 1 risk-based capital ratio | 12.3120% | 5,145 |
| Total risk-based capital ratio | 13.1358% | 5,342 |
| Memoranda: | ||
| Average total assets | $109,756,400 | 4,389 |
| Average earning assets | $99,730,200 | 4,395 |
| Average equity | $9,183,200 | 4,925 |
| Average total loans | $72,819,000 | 4,100 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8968% | 935 |
| Cost of funding earning assets | 0.3194% | 4,678 |
| Net interest margin | 4.5773% | 647 |
| Noninterest income to average assets | 1.0077% | 1,208 |
| Noninterest expense to average assets | 3.5179% | 1,434 |
| Loan and lease loss provision to assets | 0.2687% | 787 |
| Net operating income to assets | 1.3693% | 1,198 |
| Return on assets (ROA) | 1.3803% | 1,214 |
| Pretax return on assets | 1.3803% | 2,083 |
| Return on Equity (ROE) | 16.6281% | 604 |
| Retained earnings to average equity (ytd only) | 6.9161% | 1,861 |
| Net charge-offs to loans | 0.0018% | 4,654 |
| Credit loss provision to net charge-offs | 22,000.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 1,344.3308% | 47 |
| Efficiency ratio | 67.4959% | 3,940 |
| Assets per employee ($millions) | 3.1234% | 5,553 |
| Cash dividends to net income (ytd only)* | 58.4072% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7062% | 6,092 |
| Loan loss allowance to noncurrent loans | 86.0539% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 1.8632% | 1,580 |
| Noncurrent loans to loans | 0.8207% | 3,521 |
| Net loans and leases to total assets | 67.8963% | 2,556 |
| Net loans and leases to deposits | 80.4061% | 2,632 |
| Net loans and leases to core deposits | 88.9541% | 2,334 |
| Total domestic deposits to total assets | 84.4418% | 3,571 |
| Equity capital to assets | 8.3714% | 5,894 |
| Core capital (leverage) ratio | 7.8423% | 6,160 |
| Tier 1 risk-based capital ratio | 11.2601% | 5,888 |
| Total risk-based capital ratio | 11.9770% | 6,068 |
| Memoranda: | ||
| Average total assets | $109,153,250 | 4,439 |
| Average earning assets | $98,920,250 | 4,462 |
| Average equity | $9,060,750 | 4,994 |
| Average total loans | $72,672,750 | 4,131 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2030% | 508 |
| Cost of funding earning assets | 0.3339% | 4,599 |
| Net interest margin | 4.8691% | 365 |
| Noninterest income to average assets | 0.9717% | 1,282 |
| Noninterest expense to average assets | 3.5833% | 1,326 |
| Loan and lease loss provision to assets | 0.2221% | 1,042 |
| Net operating income to assets | 1.5658% | 767 |
| Return on assets (ROA) | 1.5825% | 771 |
| Pretax return on assets | 1.5825% | 1,302 |
| Return on Equity (ROE) | 19.1204% | 353 |
| Retained earnings to average equity (ytd only) | 7.7152% | 1,426 |
| Net charge-offs to loans | 0.0056% | 4,188 |
| Credit loss provision to net charge-offs | 6,000.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 483.0000% | 146 |
| Efficiency ratio | 66.4025% | 4,298 |
| Assets per employee ($millions) | 2.9398% | 5,842 |
| Cash dividends to net income (ytd only)* | 59.6491% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6018% | 6,309 |
| Loan loss allowance to noncurrent loans | 24.4334% | 5,917 |
| Noncurrent assets plus other real estate owned to assets | 2.6330% | 1,026 |
| Noncurrent loans to loans | 2.4628% | 1,268 |
| Net loans and leases to total assets | 67.1214% | 2,560 |
| Net loans and leases to deposits | 79.5169% | 2,582 |
| Net loans and leases to core deposits | 88.2862% | 2,283 |
| Total domestic deposits to total assets | 84.4116% | 3,768 |
| Equity capital to assets | 8.4819% | 5,815 |
| Core capital (leverage) ratio | 7.9149% | 6,150 |
| Tier 1 risk-based capital ratio | 11.7482% | 5,669 |
| Total risk-based capital ratio | 12.3679% | 5,934 |
| Memoranda: | ||
| Average total assets | $108,057,000 | 4,489 |
| Average earning assets | $97,635,670 | 4,537 |
| Average equity | $8,943,330 | 5,042 |
| Average total loans | $71,268,000 | 4,193 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1676% | 517 |
| Cost of funding earning assets | 0.3988% | 3,981 |
| Net interest margin | 4.7688% | 404 |
| Noninterest income to average assets | 1.1365% | 863 |
| Noninterest expense to average assets | 3.5618% | 1,374 |
| Loan and lease loss provision to assets | 0.2228% | 1,010 |
| Net operating income to assets | 1.6156% | 655 |
| Return on assets (ROA) | 1.6490% | 647 |
| Pretax return on assets | 1.6490% | 1,073 |
| Return on Equity (ROE) | 20.1772% | 275 |
| Retained earnings to average equity (ytd only) | 9.2706% | 1,167 |
| Net charge-offs to loans | 0.0114% | 3,394 |
| Credit loss provision to net charge-offs | 3,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 247.5000% | 198 |
| Efficiency ratio | 65.9560% | 4,536 |
| Assets per employee ($millions) | 2.9786% | 5,882 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5398% | 6,468 |
| Loan loss allowance to noncurrent loans | 28.6572% | 5,893 |
| Noncurrent assets plus other real estate owned to assets | 2.2569% | 1,461 |
| Noncurrent loans to loans | 1.8836% | 2,020 |
| Net loans and leases to total assets | 65.6418% | 2,619 |
| Net loans and leases to deposits | 77.7757% | 2,591 |
| Net loans and leases to core deposits | 88.0212% | 2,092 |
| Total domestic deposits to total assets | 84.3988% | 4,124 |
| Equity capital to assets | 8.3634% | 5,770 |
| Core capital (leverage) ratio | 7.7505% | 6,245 |
| Tier 1 risk-based capital ratio | 11.6878% | 5,818 |
| Total risk-based capital ratio | 12.2300% | 6,112 |
| Memoranda: | ||
| Average total assets | $107,699,000 | 4,537 |
| Average earning assets | $96,292,000 | 4,614 |
| Average equity | $8,802,000 | 5,104 |
| Average total loans | $70,176,000 | 4,258 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3198% | 2,881 |
| Cost of funding earning assets | 0.5575% | 3,048 |
| Net interest margin | 3.7624% | 2,796 |
| Noninterest income to average assets | 1.2961% | 828 |
| Noninterest expense to average assets | 3.4999% | 1,648 |
| Loan and lease loss provision to assets | 0.3207% | 1,026 |
| Net operating income to assets | 0.9161% | 2,700 |
| Return on assets (ROA) | 0.9161% | 2,787 |
| Pretax return on assets | 0.9161% | 3,693 |
| Return on Equity (ROE) | 11.8158% | 1,480 |
| Retained earnings to average equity (ytd only) | 3.8092% | 3,495 |
| Net charge-offs to loans | 0.0247% | 4,929 |
| Credit loss provision to net charge-offs | 2,005.8824% | 118 |
| Earnings coverage of net charge-offs (x) | 77.3529% | 561 |
| Efficiency ratio | 73.8880% | 3,146 |
| Assets per employee ($millions) | 3.0047% | 5,831 |
| Cash dividends to net income (ytd only)* | 67.7618% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4656% | 6,598 |
| Loan loss allowance to noncurrent loans | 31.6406% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 1.5762% | 2,366 |
| Noncurrent loans to loans | 1.4716% | 2,685 |
| Net loans and leases to total assets | 64.0285% | 3,045 |
| Net loans and leases to deposits | 71.4032% | 3,605 |
| Net loans and leases to core deposits | 84.5230% | 2,617 |
| Total domestic deposits to total assets | 89.6717% | 1,238 |
| Equity capital to assets | 7.9838% | 6,031 |
| Core capital (leverage) ratio | 7.4083% | 6,410 |
| Tier 1 risk-based capital ratio | 11.4912% | 5,910 |
| Total risk-based capital ratio | 11.9550% | 6,251 |
| Memoranda: | ||
| Average total assets | $106,318,400 | 4,581 |
| Average earning assets | $97,225,800 | 4,587 |
| Average equity | $8,243,200 | 5,276 |
| Average total loans | $68,940,400 | 4,311 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3624% | 2,725 |
| Cost of funding earning assets | 0.5577% | 3,183 |
| Net interest margin | 3.8047% | 2,623 |
| Noninterest income to average assets | 1.3465% | 809 |
| Noninterest expense to average assets | 3.4814% | 1,650 |
| Loan and lease loss provision to assets | 0.4623% | 608 |
| Net operating income to assets | 0.9169% | 2,751 |
| Return on assets (ROA) | 0.9169% | 2,850 |
| Pretax return on assets | 0.9169% | 3,803 |
| Return on Equity (ROE) | 11.9170% | 1,497 |
| Retained earnings to average equity (ytd only) | 5.4511% | 2,756 |
| Net charge-offs to loans | 0.0310% | 4,513 |
| Credit loss provision to net charge-offs | 2,293.7500% | 145 |
| Earnings coverage of net charge-offs (x) | 68.4463% | 673 |
| Efficiency ratio | 71.6248% | 3,478 |
| Assets per employee ($millions) | 2.8624% | 6,061 |
| Cash dividends to net income (ytd only)* | 54.2580% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4720% | 6,676 |
| Loan loss allowance to noncurrent loans | 20.8185% | 6,223 |
| Noncurrent assets plus other real estate owned to assets | 1.7026% | 2,413 |
| Noncurrent loans to loans | 2.2674% | 1,935 |
| Net loans and leases to total assets | 68.0377% | 2,289 |
| Net loans and leases to deposits | 75.6290% | 3,010 |
| Net loans and leases to core deposits | 89.3814% | 2,033 |
| Total domestic deposits to total assets | 89.9625% | 1,018 |
| Equity capital to assets | 7.5911% | 6,359 |
| Core capital (leverage) ratio | 7.5946% | 6,411 |
| Tier 1 risk-based capital ratio | 10.8719% | 6,335 |
| Total risk-based capital ratio | 11.3465% | 6,543 |
| Memoranda: | ||
| Average total assets | $105,855,750 | 4,644 |
| Average earning assets | $97,772,250 | 4,616 |
| Average equity | $8,145,000 | 5,350 |
| Average total loans | $68,779,750 | 4,348 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6078% | 1,828 |
| Cost of funding earning assets | 0.5635% | 3,277 |
| Net interest margin | 4.0443% | 1,718 |
| Noninterest income to average assets | 1.4282% | 772 |
| Noninterest expense to average assets | 3.4934% | 1,620 |
| Loan and lease loss provision to assets | 0.5854% | 437 |
| Net operating income to assets | 1.0717% | 2,031 |
| Return on assets (ROA) | 1.0717% | 2,147 |
| Pretax return on assets | 1.0717% | 3,211 |
| Return on Equity (ROE) | 13.8634% | 1,043 |
| Retained earnings to average equity (ytd only) | 8.0664% | 1,458 |
| Net charge-offs to loans | -0.0060% | 5,665 |
| Credit loss provision to net charge-offs | -15,350.0000% | 6,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8267% | 4,214 |
| Assets per employee ($millions) | 2.8304% | 6,117 |
| Cash dividends to net income (ytd only)* | 41.8149% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4563% | 6,739 |
| Loan loss allowance to noncurrent loans | 22.6872% | 6,245 |
| Noncurrent assets plus other real estate owned to assets | 1.4590% | 2,918 |
| Noncurrent loans to loans | 2.0114% | 2,386 |
| Net loans and leases to total assets | 64.3622% | 2,858 |
| Net loans and leases to deposits | 72.8842% | 3,323 |
| Net loans and leases to core deposits | 87.0515% | 2,225 |
| Total domestic deposits to total assets | 88.3076% | 2,038 |
| Equity capital to assets | 7.8949% | 6,273 |
| Core capital (leverage) ratio | 7.5516% | 6,436 |
| Tier 1 risk-based capital ratio | 11.7226% | 5,975 |
| Total risk-based capital ratio | 12.1738% | 6,337 |
| Memoranda: | ||
| Average total assets | $104,883,670 | 4,707 |
| Average earning assets | $96,531,330 | 4,686 |
| Average equity | $8,107,670 | 5,407 |
| Average total loans | $66,920,670 | 4,429 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2737% | 3,009 |
| Cost of funding earning assets | 0.5790% | 3,300 |
| Net interest margin | 3.6947% | 2,874 |
| Noninterest income to average assets | 1.4062% | 776 |
| Noninterest expense to average assets | 3.5098% | 1,602 |
| Loan and lease loss provision to assets | 0.2287% | 1,604 |
| Net operating income to assets | 1.0480% | 2,047 |
| Return on assets (ROA) | 1.0480% | 2,155 |
| Pretax return on assets | 1.0480% | 3,156 |
| Return on Equity (ROE) | 13.7029% | 1,014 |
| Retained earnings to average equity (ytd only) | 13.7029% | 477 |
| Net charge-offs to loans | -0.0120% | 5,508 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3280% | 3,387 |
| Assets per employee ($millions) | 2.9978% | 5,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0936% | 6,939 |
| Loan loss allowance to noncurrent loans | 4.5421% | 6,513 |
| Noncurrent assets plus other real estate owned to assets | 2.0265% | 2,305 |
| Noncurrent loans to loans | 2.0597% | 2,553 |
| Net loans and leases to total assets | 61.3506% | 3,199 |
| Net loans and leases to deposits | 68.9605% | 3,643 |
| Net loans and leases to core deposits | 83.5751% | 2,374 |
| Total domestic deposits to total assets | 88.9649% | 1,702 |
| Equity capital to assets | 7.5659% | 6,570 |
| Core capital (leverage) ratio | 7.5710% | 6,439 |
| Tier 1 risk-based capital ratio | 11.7334% | 6,071 |
| Total risk-based capital ratio | 11.8246% | 6,530 |
| Memoranda: | ||
| Average total assets | $104,962,500 | 4,744 |
| Average earning assets | $96,028,500 | 4,738 |
| Average equity | $8,027,500 | 5,479 |
| Average total loans | $66,524,500 | 4,474 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5279% | 3,290 |
| Cost of funding earning assets | 0.6454% | 3,956 |
| Net interest margin | 3.8825% | 2,905 |
| Noninterest income to average assets | 1.4646% | 730 |
| Noninterest expense to average assets | 3.4863% | 1,847 |
| Loan and lease loss provision to assets | 0.2372% | 2,761 |
| Net operating income to assets | 1.3354% | 1,222 |
| Return on assets (ROA) | 2.3447% | 210 |
| Pretax return on assets | 2.3447% | 314 |
| Return on Equity (ROE) | 26.2320% | 97 |
| Retained earnings to average equity (ytd only) | 0.3839% | 5,663 |
| Net charge-offs to loans | 0.7586% | 1,544 |
| Credit loss provision to net charge-offs | 45.2794% | 4,808 |
| Earnings coverage of net charge-offs (x) | 3.0019% | 3,927 |
| Efficiency ratio | 68.9146% | 3,987 |
| Assets per employee ($millions) | 3.0002% | 6,013 |
| Cash dividends to net income (ytd only)* | 98.5364% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,009 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 2.5459% | 1,911 |
| Noncurrent loans to loans | 3.6569% | 1,340 |
| Net loans and leases to total assets | 65.4648% | 2,620 |
| Net loans and leases to deposits | 73.2376% | 3,221 |
| Net loans and leases to core deposits | 89.7530% | 1,863 |
| Total domestic deposits to total assets | 89.3869% | 1,313 |
| Equity capital to assets | 7.7348% | 6,534 |
| Core capital (leverage) ratio | 7.5364% | 6,484 |
| Tier 1 risk-based capital ratio | 11.6116% | 6,026 |
| Total risk-based capital ratio | 11.6116% | 6,566 |
| Memoranda: | ||
| Average total assets | $99,073,800 | 4,859 |
| Average earning assets | $91,719,800 | 4,816 |
| Average equity | $8,855,600 | 5,260 |
| Average total loans | $68,412,400 | 4,408 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5622% | 3,374 |
| Cost of funding earning assets | 0.6509% | 4,191 |
| Net interest margin | 3.9113% | 2,876 |
| Noninterest income to average assets | 1.3816% | 785 |
| Noninterest expense to average assets | 3.4274% | 1,937 |
| Loan and lease loss provision to assets | 0.1993% | 3,086 |
| Net operating income to assets | 1.3802% | 1,267 |
| Return on assets (ROA) | 1.3802% | 1,401 |
| Pretax return on assets | 1.3802% | 2,302 |
| Return on Equity (ROE) | 14.9203% | 919 |
| Retained earnings to average equity (ytd only) | 4.6168% | 3,654 |
| Net charge-offs to loans | 0.6858% | 1,609 |
| Credit loss provision to net charge-offs | 41.5254% | 4,584 |
| Earnings coverage of net charge-offs (x) | 3.2909% | 3,709 |
| Efficiency ratio | 68.4538% | 3,966 |
| Assets per employee ($millions) | 3.0908% | 5,877 |
| Cash dividends to net income (ytd only)* | 69.0570% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2334% | 5,127 |
| Loan loss allowance to noncurrent loans | 43.0769% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 2.3619% | 2,250 |
| Noncurrent loans to loans | 2.8632% | 1,964 |
| Net loans and leases to total assets | 70.3469% | 1,849 |
| Net loans and leases to deposits | 79.6676% | 2,442 |
| Net loans and leases to core deposits | 94.0047% | 1,589 |
| Total domestic deposits to total assets | 88.3005% | 1,850 |
| Equity capital to assets | 9.0778% | 5,743 |
| Core capital (leverage) ratio | 8.2605% | 6,074 |
| Tier 1 risk-based capital ratio | 11.3975% | 6,294 |
| Total risk-based capital ratio | 12.6511% | 6,249 |
| Memoranda: | ||
| Average total assets | $98,340,750 | 4,921 |
| Average earning assets | $91,153,000 | 4,883 |
| Average equity | $9,097,000 | 5,241 |
| Average total loans | $68,821,000 | 4,437 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5995% | 3,362 |
| Cost of funding earning assets | 0.6644% | 4,329 |
| Net interest margin | 3.9351% | 2,765 |
| Noninterest income to average assets | 1.3447% | 793 |
| Noninterest expense to average assets | 3.5172% | 1,744 |
| Loan and lease loss provision to assets | 0.1647% | 3,455 |
| Net operating income to assets | 1.3097% | 1,415 |
| Return on assets (ROA) | 1.3097% | 1,564 |
| Pretax return on assets | 1.3097% | 2,522 |
| Return on Equity (ROE) | 14.0661% | 1,097 |
| Retained earnings to average equity (ytd only) | 1.2828% | 5,554 |
| Net charge-offs to loans | 1.0363% | 1,059 |
| Credit loss provision to net charge-offs | 22.8571% | 4,561 |
| Earnings coverage of net charge-offs (x) | 2.0457% | 3,967 |
| Efficiency ratio | 70.4620% | 3,690 |
| Assets per employee ($millions) | 2.9514% | 6,148 |
| Cash dividends to net income (ytd only)* | 90.8805% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 5,354 |
| Loan loss allowance to noncurrent loans | 51.7713% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 1.9333% | 2,868 |
| Noncurrent loans to loans | 2.3161% | 2,585 |
| Net loans and leases to total assets | 70.4714% | 1,829 |
| Net loans and leases to deposits | 78.3250% | 2,627 |
| Net loans and leases to core deposits | 92.8832% | 1,695 |
| Total domestic deposits to total assets | 89.9730% | 942 |
| Equity capital to assets | 9.2375% | 5,419 |
| Core capital (leverage) ratio | 8.0675% | 6,197 |
| Tier 1 risk-based capital ratio | 11.4672% | 6,235 |
| Total risk-based capital ratio | 12.6781% | 6,237 |
| Memoranda: | ||
| Average total assets | $97,122,330 | 4,974 |
| Average earning assets | $90,009,670 | 4,932 |
| Average equity | $9,043,000 | 5,256 |
| Average total loans | $67,545,670 | 4,502 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7362% | 2,908 |
| Cost of funding earning assets | 0.6766% | 4,498 |
| Net interest margin | 4.0596% | 2,259 |
| Noninterest income to average assets | 1.2621% | 893 |
| Noninterest expense to average assets | 3.5263% | 1,702 |
| Loan and lease loss provision to assets | 0.1650% | 3,327 |
| Net operating income to assets | 1.3074% | 1,441 |
| Return on assets (ROA) | 1.3074% | 1,611 |
| Pretax return on assets | 1.3074% | 2,509 |
| Return on Equity (ROE) | 13.9863% | 1,185 |
| Retained earnings to average equity (ytd only) | 5.9122% | 3,014 |
| Net charge-offs to loans | 0.0060% | 4,664 |
| Credit loss provision to net charge-offs | 4,000.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 357.0000% | 87 |
| Efficiency ratio | 70.5446% | 3,711 |
| Assets per employee ($millions) | 3.1454% | 5,874 |
| Cash dividends to net income (ytd only)* | 57.7287% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6927% | 3,379 |
| Loan loss allowance to noncurrent loans | 85.8002% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.7065% | 3,299 |
| Noncurrent loans to loans | 1.9728% | 3,197 |
| Net loans and leases to total assets | 68.0201% | 2,111 |
| Net loans and leases to deposits | 75.7507% | 2,836 |
| Net loans and leases to core deposits | 89.5280% | 1,897 |
| Total domestic deposits to total assets | 89.7947% | 1,197 |
| Equity capital to assets | 9.3100% | 5,084 |
| Core capital (leverage) ratio | 8.1329% | 6,114 |
| Tier 1 risk-based capital ratio | 11.7367% | 6,135 |
| Total risk-based capital ratio | 13.0010% | 6,107 |
| Memoranda: | ||
| Average total assets | $96,985,000 | 5,018 |
| Average earning assets | $89,269,500 | 4,988 |
| Average equity | $9,066,000 | 5,267 |
| Average total loans | $66,583,500 | 4,564 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8528% | 3,572 |
| Cost of funding earning assets | 0.8580% | 4,410 |
| Net interest margin | 3.9948% | 2,910 |
| Noninterest income to average assets | 1.2401% | 847 |
| Noninterest expense to average assets | 3.2598% | 2,657 |
| Loan and lease loss provision to assets | 1.4894% | 499 |
| Net operating income to assets | 0.1500% | 5,735 |
| Return on assets (ROA) | 0.1500% | 5,871 |
| Pretax return on assets | 0.1500% | 5,889 |
| Return on Equity (ROE) | 1.4951% | 5,839 |
| Retained earnings to average equity (ytd only) | -2.4638% | 6,210 |
| Net charge-offs to loans | 1.7103% | 890 |
| Credit loss provision to net charge-offs | 130.5556% | 2,339 |
| Earnings coverage of net charge-offs (x) | 1.4370% | 4,693 |
| Efficiency ratio | 66.5373% | 4,648 |
| Assets per employee ($millions) | 3.1117% | 5,873 |
| Cash dividends to net income (ytd only)* | 264.7887% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6788% | 3,284 |
| Loan loss allowance to noncurrent loans | 82.6837% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.7219% | 3,370 |
| Noncurrent loans to loans | 2.0304% | 3,167 |
| Net loans and leases to total assets | 66.9663% | 2,594 |
| Net loans and leases to deposits | 77.3413% | 2,950 |
| Net loans and leases to core deposits | 94.9258% | 1,596 |
| Total domestic deposits to total assets | 86.5854% | 2,986 |
| Equity capital to assets | 9.3861% | 5,040 |
| Core capital (leverage) ratio | 8.1594% | 6,058 |
| Tier 1 risk-based capital ratio | 11.7229% | 6,010 |
| Total risk-based capital ratio | 12.9714% | 5,996 |
| Memoranda: | ||
| Average total assets | $94,667,000 | 5,058 |
| Average earning assets | $86,712,800 | 5,033 |
| Average equity | $9,497,400 | 5,153 |
| Average total loans | $63,148,400 | 4,747 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9302% | 3,427 |
| Cost of funding earning assets | 0.8987% | 4,409 |
| Net interest margin | 4.0316% | 2,770 |
| Noninterest income to average assets | 1.1958% | 923 |
| Noninterest expense to average assets | 3.2137% | 2,791 |
| Loan and lease loss provision to assets | 0.2009% | 4,011 |
| Net operating income to assets | 1.4760% | 990 |
| Return on assets (ROA) | 1.4760% | 1,072 |
| Pretax return on assets | 1.4760% | 1,715 |
| Return on Equity (ROE) | 14.4733% | 946 |
| Retained earnings to average equity (ytd only) | 9.8107% | 895 |
| Net charge-offs to loans | 0.0277% | 5,763 |
| Credit loss provision to net charge-offs | 1,092.3077% | 249 |
| Earnings coverage of net charge-offs (x) | 91.1691% | 392 |
| Efficiency ratio | 65.7118% | 4,768 |
| Assets per employee ($millions) | 3.1067% | 5,884 |
| Cash dividends to net income (ytd only)* | 32.2149% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3894% | 4,609 |
| Loan loss allowance to noncurrent loans | 255.5241% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.7434% | 5,300 |
| Noncurrent loans to loans | 0.5437% | 5,777 |
| Net loans and leases to total assets | 66.4742% | 2,789 |
| Net loans and leases to deposits | 76.1119% | 3,313 |
| Net loans and leases to core deposits | 95.8053% | 1,624 |
| Total domestic deposits to total assets | 87.3375% | 2,450 |
| Equity capital to assets | 10.5017% | 3,702 |
| Core capital (leverage) ratio | 9.2625% | 4,525 |
| Tier 1 risk-based capital ratio | 13.2051% | 4,946 |
| Total risk-based capital ratio | 14.4274% | 4,942 |
| Memoranda: | ||
| Average total assets | $94,218,250 | 5,095 |
| Average earning assets | $86,349,250 | 5,084 |
| Average equity | $9,608,250 | 5,152 |
| Average total loans | $62,510,500 | 4,811 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9732% | 3,295 |
| Cost of funding earning assets | 0.9540% | 4,283 |
| Net interest margin | 4.0193% | 2,748 |
| Noninterest income to average assets | 1.1997% | 894 |
| Noninterest expense to average assets | 3.2549% | 2,716 |
| Loan and lease loss provision to assets | 0.1540% | 4,389 |
| Net operating income to assets | 1.4670% | 947 |
| Return on assets (ROA) | 1.4670% | 1,009 |
| Pretax return on assets | 1.4670% | 1,623 |
| Return on Equity (ROE) | 14.5344% | 884 |
| Retained earnings to average equity (ytd only) | 10.1063% | 822 |
| Net charge-offs to loans | 0.0227% | 5,522 |
| Credit loss provision to net charge-offs | 1,028.5714% | 325 |
| Earnings coverage of net charge-offs (x) | 108.2857% | 336 |
| Efficiency ratio | 66.7544% | 4,733 |
| Assets per employee ($millions) | 3.0085% | 6,073 |
| Cash dividends to net income (ytd only)* | 30.4665% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3603% | 4,776 |
| Loan loss allowance to noncurrent loans | 115.7459% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 1.1655% | 4,560 |
| Noncurrent loans to loans | 1.1752% | 4,688 |
| Net loans and leases to total assets | 65.1552% | 3,217 |
| Net loans and leases to deposits | 75.3073% | 3,595 |
| Net loans and leases to core deposits | 93.9560% | 1,898 |
| Total domestic deposits to total assets | 86.5191% | 3,031 |
| Equity capital to assets | 10.5592% | 3,432 |
| Core capital (leverage) ratio | 9.0843% | 4,599 |
| Tier 1 risk-based capital ratio | 13.2914% | 4,698 |
| Total risk-based capital ratio | 14.5409% | 4,673 |
| Memoranda: | ||
| Average total assets | $93,521,670 | 5,151 |
| Average earning assets | $85,538,330 | 5,137 |
| Average equity | $9,439,670 | 5,202 |
| Average total loans | $61,706,670 | 4,878 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9893% | 3,153 |
| Cost of funding earning assets | 1.0212% | 4,057 |
| Net interest margin | 3.9681% | 2,833 |
| Noninterest income to average assets | 1.1575% | 968 |
| Noninterest expense to average assets | 3.2333% | 2,760 |
| Loan and lease loss provision to assets | 0.0513% | 5,359 |
| Net operating income to assets | 1.5077% | 859 |
| Return on assets (ROA) | 1.5077% | 902 |
| Pretax return on assets | 1.5077% | 1,425 |
| Return on Equity (ROE) | 15.2888% | 775 |
| Retained earnings to average equity (ytd only) | 11.7373% | 772 |
| Net charge-offs to loans | 0.0453% | 4,488 |
| Credit loss provision to net charge-offs | 171.4286% | 1,686 |
| Earnings coverage of net charge-offs (x) | 52.1429% | 559 |
| Efficiency ratio | 67.4688% | 4,759 |
| Assets per employee ($millions) | 3.0338% | 6,090 |
| Cash dividends to net income (ytd only)* | 23.2295% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 5,380 |
| Loan loss allowance to noncurrent loans | 118.9602% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 1.2132% | 4,525 |
| Noncurrent loans to loans | 1.0518% | 4,953 |
| Net loans and leases to total assets | 65.2876% | 3,182 |
| Net loans and leases to deposits | 76.2518% | 3,379 |
| Net loans and leases to core deposits | 94.4471% | 1,839 |
| Total domestic deposits to total assets | 85.6210% | 3,725 |
| Equity capital to assets | 9.9291% | 3,864 |
| Core capital (leverage) ratio | 8.8022% | 4,927 |
| Tier 1 risk-based capital ratio | 12.7643% | 4,999 |
| Total risk-based capital ratio | 13.9556% | 5,036 |
| Memoranda: | ||
| Average total assets | $93,650,000 | 5,181 |
| Average earning assets | $85,784,000 | 5,165 |
| Average equity | $9,235,500 | 5,253 |
| Average total loans | $61,757,500 | 4,915 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1122% | 4,051 |
| Cost of funding earning assets | 1.2731% | 4,065 |
| Net interest margin | 3.8391% | 3,781 |
| Noninterest income to average assets | 1.4124% | 732 |
| Noninterest expense to average assets | 3.5116% | 2,142 |
| Loan and lease loss provision to assets | 0.2951% | 4,439 |
| Net operating income to assets | 1.0417% | 1,906 |
| Return on assets (ROA) | 1.0417% | 2,004 |
| Pretax return on assets | 1.0417% | 2,805 |
| Return on Equity (ROE) | 10.7911% | 1,649 |
| Retained earnings to average equity (ytd only) | 5.3520% | 2,218 |
| Net charge-offs to loans | 0.0245% | 6,567 |
| Credit loss provision to net charge-offs | 1,873.3333% | 125 |
| Earnings coverage of net charge-offs (x) | 84.8667% | 289 |
| Efficiency ratio | 72.4280% | 3,716 |
| Assets per employee ($millions) | 2.9142% | 6,287 |
| Cash dividends to net income (ytd only)* | 50.4032% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 5,203 |
| Loan loss allowance to noncurrent loans | 207.2386% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 1.0938% | 4,825 |
| Noncurrent loans to loans | 0.6081% | 5,828 |
| Net loans and leases to total assets | 64.9448% | 3,676 |
| Net loans and leases to deposits | 75.3674% | 3,944 |
| Net loans and leases to core deposits | 111.1676% | 858 |
| Total domestic deposits to total assets | 86.1710% | 3,266 |
| Equity capital to assets | 9.7938% | 4,008 |
| Core capital (leverage) ratio | 8.3862% | 5,565 |
| Tier 1 risk-based capital ratio | 12.3363% | 5,174 |
| Total risk-based capital ratio | 13.5187% | 5,204 |
| Memoranda: | ||
| Average total assets | $95,227,200 | 5,119 |
| Average earning assets | $85,227,600 | 5,172 |
| Average equity | $9,192,800 | 5,360 |
| Average total loans | $61,222,400 | 5,016 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1616% | 4,026 |
| Cost of funding earning assets | 1.3159% | 4,130 |
| Net interest margin | 3.8457% | 3,770 |
| Noninterest income to average assets | 1.3372% | 760 |
| Noninterest expense to average assets | 3.4321% | 2,201 |
| Loan and lease loss provision to assets | 0.2187% | 4,878 |
| Net operating income to assets | 1.1060% | 1,867 |
| Return on assets (ROA) | 1.1060% | 1,971 |
| Pretax return on assets | 1.1060% | 2,806 |
| Return on Equity (ROE) | 11.4973% | 1,651 |
| Retained earnings to average equity (ytd only) | 11.4973% | 528 |
| Net charge-offs to loans | 0.0305% | 6,256 |
| Credit loss provision to net charge-offs | 1,121.4286% | 264 |
| Earnings coverage of net charge-offs (x) | 67.9148% | 444 |
| Efficiency ratio | 72.1523% | 3,662 |
| Assets per employee ($millions) | 3.0472% | 6,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0660% | 6,090 |
| Loan loss allowance to noncurrent loans | 94.0666% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 1.8624% | 3,661 |
| Noncurrent loans to loans | 1.1332% | 4,971 |
| Net loans and leases to total assets | 61.8675% | 4,560 |
| Net loans and leases to deposits | 73.2337% | 4,645 |
| Net loans and leases to core deposits | 103.2431% | 1,548 |
| Total domestic deposits to total assets | 84.4795% | 3,879 |
| Equity capital to assets | 10.1333% | 3,971 |
| Core capital (leverage) ratio | 8.8491% | 4,925 |
| Tier 1 risk-based capital ratio | 12.9691% | 4,602 |
| Total risk-based capital ratio | 13.9766% | 4,772 |
| Memoranda: | ||
| Average total assets | $95,720,750 | 5,168 |
| Average earning assets | $85,113,500 | 5,232 |
| Average equity | $9,207,750 | 5,423 |
| Average total loans | $61,194,000 | 5,091 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2572% | 3,672 |
| Cost of funding earning assets | 1.3589% | 4,133 |
| Net interest margin | 3.8984% | 3,457 |
| Noninterest income to average assets | 1.2994% | 753 |
| Noninterest expense to average assets | 3.4565% | 2,134 |
| Loan and lease loss provision to assets | 0.2523% | 4,400 |
| Net operating income to assets | 1.0407% | 2,043 |
| Return on assets (ROA) | 1.0407% | 2,122 |
| Pretax return on assets | 1.0407% | 2,973 |
| Return on Equity (ROE) | 11.0204% | 1,748 |
| Retained earnings to average equity (ytd only) | 11.0204% | 653 |
| Net charge-offs to loans | -0.0131% | 7,232 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7756% | 3,699 |
| Assets per employee ($millions) | 2.9193% | 6,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0711% | 6,075 |
| Loan loss allowance to noncurrent loans | 126.7068% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 1.8712% | 3,656 |
| Noncurrent loans to loans | 0.8453% | 5,581 |
| Net loans and leases to total assets | 62.3908% | 4,605 |
| Net loans and leases to deposits | 74.9370% | 4,524 |
| Net loans and leases to core deposits | 109.6473% | 1,188 |
| Total domestic deposits to total assets | 83.2577% | 4,464 |
| Equity capital to assets | 10.1631% | 3,818 |
| Core capital (leverage) ratio | 8.3115% | 5,745 |
| Tier 1 risk-based capital ratio | 13.0255% | 4,417 |
| Total risk-based capital ratio | 14.0442% | 4,581 |
| Memoranda: | ||
| Average total assets | $95,124,330 | 5,216 |
| Average earning assets | $84,188,670 | 5,287 |
| Average equity | $8,983,330 | 5,510 |
| Average total loans | $61,266,330 | 5,124 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2000% | 4,017 |
| Cost of funding earning assets | 1.3551% | 4,452 |
| Net interest margin | 3.8449% | 3,598 |
| Noninterest income to average assets | 1.3336% | 678 |
| Noninterest expense to average assets | 3.4633% | 2,073 |
| Loan and lease loss provision to assets | 0.2501% | 4,044 |
| Net operating income to assets | 1.0377% | 2,042 |
| Return on assets (ROA) | 1.0377% | 2,101 |
| Pretax return on assets | 1.0377% | 2,941 |
| Return on Equity (ROE) | 11.4115% | 1,667 |
| Retained earnings to average equity (ytd only) | 11.4115% | 847 |
| Net charge-offs to loans | 0.0064% | 5,520 |
| Credit loss provision to net charge-offs | 6,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 309.0000% | 101 |
| Efficiency ratio | 72.8947% | 3,776 |
| Assets per employee ($millions) | 3.0905% | 6,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9104% | 6,813 |
| Loan loss allowance to noncurrent loans | 240.2542% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 1.9717% | 3,534 |
| Noncurrent loans to loans | 0.3789% | 6,527 |
| Net loans and leases to total assets | 64.4173% | 4,240 |
| Net loans and leases to deposits | 79.5071% | 3,745 |
| Net loans and leases to core deposits | 116.3731% | 932 |
| Total domestic deposits to total assets | 81.0208% | 5,453 |
| Equity capital to assets | 9.3502% | 4,760 |
| Core capital (leverage) ratio | 8.2578% | 5,818 |
| Tier 1 risk-based capital ratio | 12.0388% | 5,160 |
| Total risk-based capital ratio | 12.9115% | 5,475 |
| Memoranda: | ||
| Average total assets | $95,978,500 | 5,259 |
| Average earning assets | $85,308,000 | 5,328 |
| Average equity | $8,728,000 | 5,618 |
| Average total loans | $62,442,500 | 5,156 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1268% | 5,973 |
| Cost of funding earning assets | 1.6133% | 4,977 |
| Net interest margin | 3.5135% | 4,894 |
| Noninterest income to average assets | 1.4090% | 734 |
| Noninterest expense to average assets | 3.6652% | 1,990 |
| Loan and lease loss provision to assets | 0.9685% | 2,329 |
| Net operating income to assets | -0.0506% | 5,584 |
| Return on assets (ROA) | -0.0632% | 5,630 |
| Pretax return on assets | -0.0632% | 5,545 |
| Return on Equity (ROE) | -0.7186% | 5,662 |
| Retained earnings to average equity (ytd only) | -1.2935% | 5,344 |
| Net charge-offs to loans | 1.4299% | 1,757 |
| Credit loss provision to net charge-offs | 112.6225% | 4,871 |
| Earnings coverage of net charge-offs (x) | 1.0674% | 5,048 |
| Efficiency ratio | 79.9724% | 2,895 |
| Assets per employee ($millions) | 3.1017% | 5,990 |
| Cash dividends to net income (ytd only)* | -80.0000% | 7,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8099% | 7,103 |
| Loan loss allowance to noncurrent loans | 217.5966% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 2.0052% | 3,392 |
| Noncurrent loans to loans | 0.3722% | 6,535 |
| Net loans and leases to total assets | 64.5811% | 4,473 |
| Net loans and leases to deposits | 78.8541% | 4,200 |
| Net loans and leases to core deposits | 107.6169% | 3,143 |
| Total domestic deposits to total assets | 81.8995% | 4,995 |
| Equity capital to assets | 8.8381% | 5,370 |
| Core capital (leverage) ratio | 7.7488% | 6,502 |
| Tier 1 risk-based capital ratio | 11.5832% | 5,310 |
| Total risk-based capital ratio | 12.3587% | 5,771 |
| Memoranda: | ||
| Average total assets | $94,891,400 | 5,244 |
| Average earning assets | $85,726,400 | 5,273 |
| Average equity | $8,349,200 | 5,822 |
| Average total loans | $57,066,000 | 5,383 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0844% | 6,321 |
| Cost of funding earning assets | 1.6507% | 5,161 |
| Net interest margin | 3.4337% | 5,137 |
| Noninterest income to average assets | 1.4647% | 693 |
| Noninterest expense to average assets | 3.4328% | 2,467 |
| Loan and lease loss provision to assets | 0.6372% | 2,845 |
| Net operating income to assets | 0.5033% | 3,970 |
| Return on assets (ROA) | 0.4864% | 4,142 |
| Pretax return on assets | 0.4864% | 4,559 |
| Return on Equity (ROE) | 5.5340% | 3,717 |
| Retained earnings to average equity (ytd only) | 4.7641% | 2,623 |
| Net charge-offs to loans | 0.7878% | 2,392 |
| Credit loss provision to net charge-offs | 137.3860% | 3,602 |
| Earnings coverage of net charge-offs (x) | 2.4589% | 4,001 |
| Efficiency ratio | 75.0617% | 3,678 |
| Assets per employee ($millions) | 3.2408% | 5,542 |
| Cash dividends to net income (ytd only)* | 13.9133% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8500% | 6,951 |
| Loan loss allowance to noncurrent loans | 31.0548% | 6,377 |
| Noncurrent assets plus other real estate owned to assets | 2.4277% | 2,838 |
| Noncurrent loans to loans | 2.7371% | 2,771 |
| Net loans and leases to total assets | 61.1895% | 5,390 |
| Net loans and leases to deposits | 73.4071% | 5,459 |
| Net loans and leases to core deposits | 100.7473% | 4,286 |
| Total domestic deposits to total assets | 83.3564% | 4,039 |
| Equity capital to assets | 9.0320% | 5,440 |
| Core capital (leverage) ratio | 8.4464% | 5,583 |
| Tier 1 risk-based capital ratio | 12.0270% | 4,950 |
| Total risk-based capital ratio | 12.8215% | 5,305 |
| Memoranda: | ||
| Average total assets | $94,576,250 | 5,286 |
| Average earning assets | $85,618,750 | 5,311 |
| Average equity | $8,312,000 | 5,885 |
| Average total loans | $55,681,750 | 5,470 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1250% | 6,340 |
| Cost of funding earning assets | 1.7228% | 5,163 |
| Net interest margin | 3.4022% | 5,157 |
| Noninterest income to average assets | 1.5311% | 635 |
| Noninterest expense to average assets | 3.4703% | 2,428 |
| Loan and lease loss provision to assets | 0.8573% | 1,959 |
| Net operating income to assets | 0.2527% | 5,076 |
| Return on assets (ROA) | 0.2527% | 5,170 |
| Pretax return on assets | 0.2527% | 5,318 |
| Return on Equity (ROE) | 2.9039% | 4,940 |
| Retained earnings to average equity (ytd only) | 1.7126% | 4,388 |
| Net charge-offs to loans | 1.1722% | 1,558 |
| Credit loss provision to net charge-offs | 126.4331% | 3,674 |
| Earnings coverage of net charge-offs (x) | 1.6369% | 4,316 |
| Efficiency ratio | 75.7661% | 3,732 |
| Assets per employee ($millions) | 3.0866% | 5,901 |
| Cash dividends to net income (ytd only)* | 41.0256% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7795% | 7,221 |
| Loan loss allowance to noncurrent loans | 26.8467% | 6,709 |
| Noncurrent assets plus other real estate owned to assets | 2.9095% | 2,194 |
| Noncurrent loans to loans | 2.9037% | 2,482 |
| Net loans and leases to total assets | 64.7806% | 4,816 |
| Net loans and leases to deposits | 82.8701% | 4,067 |
| Net loans and leases to core deposits | 115.5248% | 2,758 |
| Total domestic deposits to total assets | 78.1713% | 6,030 |
| Equity capital to assets | 8.8195% | 5,567 |
| Core capital (leverage) ratio | 8.1347% | 6,104 |
| Tier 1 risk-based capital ratio | 11.8956% | 5,005 |
| Total risk-based capital ratio | 12.6511% | 5,405 |
| Memoranda: | ||
| Average total assets | $92,613,330 | 5,382 |
| Average earning assets | $83,005,670 | 5,440 |
| Average equity | $8,058,000 | 5,999 |
| Average total loans | $53,575,330 | 5,613 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0321% | 6,855 |
| Cost of funding earning assets | 1.7684% | 5,271 |
| Net interest margin | 3.2636% | 5,647 |
| Noninterest income to average assets | 1.4801% | 642 |
| Noninterest expense to average assets | 3.4301% | 2,279 |
| Loan and lease loss provision to assets | 1.3878% | 922 |
| Net operating income to assets | -0.4524% | 6,830 |
| Return on assets (ROA) | -0.4524% | 6,893 |
| Pretax return on assets | -0.4524% | 6,784 |
| Return on Equity (ROE) | -5.2367% | 6,995 |
| Retained earnings to average equity (ytd only) | -7.6772% | 6,877 |
| Net charge-offs to loans | 2.5729% | 535 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 0.6741% | 4,466 |
| Efficiency ratio | 78.5714% | 3,067 |
| Assets per employee ($millions) | 2.9883% | 6,190 |
| Cash dividends to net income (ytd only)* | -46.6019% | 8,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7565% | 7,292 |
| Loan loss allowance to noncurrent loans | 16.6392% | 7,332 |
| Noncurrent assets plus other real estate owned to assets | 3.3119% | 1,653 |
| Noncurrent loans to loans | 4.5465% | 1,262 |
| Net loans and leases to total assets | 57.2126% | 6,068 |
| Net loans and leases to deposits | 71.0694% | 5,862 |
| Net loans and leases to core deposits | 95.9988% | 4,964 |
| Total domestic deposits to total assets | 80.5024% | 5,169 |
| Equity capital to assets | 8.9467% | 5,418 |
| Core capital (leverage) ratio | 8.4932% | 5,550 |
| Tier 1 risk-based capital ratio | 12.8113% | 4,316 |
| Total risk-based capital ratio | 13.5037% | 4,651 |
| Memoranda: | ||
| Average total assets | $91,077,000 | 5,451 |
| Average earning assets | $80,523,500 | 5,536 |
| Average equity | $7,867,500 | 6,102 |
| Average total loans | $49,126,500 | 5,837 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5216% | 7,247 |
| Cost of funding earning assets | 2.3415% | 4,962 |
| Net interest margin | 3.1801% | 6,428 |
| Noninterest income to average assets | 1.2590% | 930 |
| Noninterest expense to average assets | 3.2612% | 3,107 |
| Loan and lease loss provision to assets | 0.5877% | 2,470 |
| Net operating income to assets | 0.2504% | 5,709 |
| Return on assets (ROA) | 0.2756% | 5,441 |
| Pretax return on assets | 0.2756% | 5,561 |
| Return on Equity (ROE) | 3.3547% | 5,095 |
| Retained earnings to average equity (ytd only) | -5.6932% | 6,621 |
| Net charge-offs to loans | 1.0007% | 1,240 |
| Credit loss provision to net charge-offs | 116.8182% | 4,617 |
| Earnings coverage of net charge-offs (x) | 1.6659% | 5,253 |
| Efficiency ratio | 79.5537% | 2,661 |
| Assets per employee ($millions) | 2.8876% | 6,345 |
| Cash dividends to net income (ytd only)* | 269.7095% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9008% | 6,676 |
| Loan loss allowance to noncurrent loans | 20.2709% | 7,229 |
| Noncurrent assets plus other real estate owned to assets | 2.9480% | 1,565 |
| Noncurrent loans to loans | 4.4438% | 1,073 |
| Net loans and leases to total assets | 49.6498% | 7,060 |
| Net loans and leases to deposits | 63.7588% | 6,824 |
| Net loans and leases to core deposits | 81.9474% | 6,467 |
| Total domestic deposits to total assets | 77.8712% | 5,757 |
| Equity capital to assets | 8.3191% | 6,394 |
| Core capital (leverage) ratio | 7.4914% | 7,214 |
| Tier 1 risk-based capital ratio | 13.1930% | 3,996 |
| Total risk-based capital ratio | 13.9946% | 4,181 |
| Memoranda: | ||
| Average total assets | $87,452,800 | 5,435 |
| Average earning assets | $78,111,400 | 5,494 |
| Average equity | $7,184,000 | 6,389 |
| Average total loans | $43,968,400 | 5,979 |