Home > First State Bank of Cando > Performance and Condition Ratios
First State Bank of Cando, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9036% | 4,080 |
| Cost of funding earning assets | 1.1042% | 3,060 |
| Net interest margin | 2.7994% | 3,664 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.2455% | 2,992 |
| Loan and lease loss provision to assets | -0.1000% | 4,517 |
| Net operating income to assets | 0.7439% | 3,062 |
| Return on assets (ROA) | 0.8069% | 2,828 |
| Pretax return on assets | 0.8069% | 3,197 |
| Return on Equity (ROE) | 16.8200% | 975 |
| Retained earnings to average equity (ytd only) | 7.5398% | 1,684 |
| Net charge-offs to loans | -0.3615% | 4,583 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.6777% | 1,098 |
| Assets per employee ($millions) | 6.0723% | 2,761 |
| Cash dividends to net income (ytd only)* | 55.1783% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 1,953 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 37.2400% | 4,118 |
| Net loans and leases to deposits | 43.0482% | 4,127 |
| Net loans and leases to core deposits | 45.8346% | 4,162 |
| Total domestic deposits to total assets | 86.5000% | 1,861 |
| Equity capital to assets | 6.0548% | 4,223 |
| Core capital (leverage) ratio | 10.5126% | 2,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9809% | 693 |
| Memoranda: | ||
| Average total assets | $72,991,800 | 4,087 |
| Average earning assets | $70,730,000 | 4,027 |
| Average equity | $3,501,400 | 4,388 |
| Average total loans | $26,280,000 | 4,198 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8334% | 4,082 |
| Cost of funding earning assets | 0.8919% | 3,292 |
| Net interest margin | 2.9416% | 3,452 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 2.2568% | 2,928 |
| Loan and lease loss provision to assets | -0.1300% | 4,559 |
| Net operating income to assets | 0.8983% | 2,686 |
| Return on assets (ROA) | 0.9568% | 2,482 |
| Pretax return on assets | 0.9568% | 2,962 |
| Return on Equity (ROE) | 21.3400% | 611 |
| Retained earnings to average equity (ytd only) | 8.1047% | 1,925 |
| Net charge-offs to loans | -0.4876% | 4,617 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 74.6377% | 1,304 |
| Assets per employee ($millions) | 5.8328% | 2,898 |
| Cash dividends to net income (ytd only)* | 62.0229% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 1,942 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 38.1400% | 4,124 |
| Net loans and leases to deposits | 41.6746% | 4,168 |
| Net loans and leases to core deposits | 44.1287% | 4,170 |
| Total domestic deposits to total assets | 91.5100% | 556 |
| Equity capital to assets | 2.9503% | 4,496 |
| Core capital (leverage) ratio | 10.3153% | 2,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7071% | 638 |
| Memoranda: | ||
| Average total assets | $73,022,750 | 4,106 |
| Average earning assets | $70,709,250 | 4,048 |
| Average equity | $3,273,750 | 4,424 |
| Average total loans | $25,979,500 | 4,217 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7352% | 4,104 |
| Cost of funding earning assets | 0.7057% | 3,472 |
| Net interest margin | 3.0294% | 3,354 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 2.2261% | 3,001 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.8699% | 2,855 |
| Return on assets (ROA) | 0.9455% | 2,589 |
| Pretax return on assets | 0.9455% | 3,055 |
| Return on Equity (ROE) | 19.0400% | 828 |
| Retained earnings to average equity (ytd only) | 5.4397% | 2,810 |
| Net charge-offs to loans | -0.0156% | 4,057 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.7145% | 1,589 |
| Assets per employee ($millions) | 6.0287% | 2,685 |
| Cash dividends to net income (ytd only)* | 71.4286% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 2,275 |
| Loan loss allowance to noncurrent loans | 192.3977% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 2,008 |
| Noncurrent loans to loans | 0.6403% | 1,164 |
| Net loans and leases to total assets | 36.4600% | 4,162 |
| Net loans and leases to deposits | 39.0727% | 4,231 |
| Net loans and leases to core deposits | 40.9813% | 4,241 |
| Total domestic deposits to total assets | 93.3100% | 207 |
| Equity capital to assets | 4.9500% | 4,388 |
| Core capital (leverage) ratio | 9.8410% | 2,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8581% | 733 |
| Memoranda: | ||
| Average total assets | $74,032,333 | 4,112 |
| Average earning assets | $71,697,000 | 4,057 |
| Average equity | $3,676,667 | 4,422 |
| Average total loans | $25,626,000 | 4,238 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5579% | 4,207 |
| Cost of funding earning assets | 0.5185% | 3,630 |
| Net interest margin | 3.0394% | 3,497 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.1529% | 3,244 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.9616% | 2,648 |
| Return on assets (ROA) | 1.0043% | 2,480 |
| Pretax return on assets | 1.0043% | 2,978 |
| Return on Equity (ROE) | 20.1900% | 738 |
| Retained earnings to average equity (ytd only) | -6.6586% | 4,389 |
| Net charge-offs to loans | -0.0159% | 4,029 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.0068% | 1,861 |
| Assets per employee ($millions) | 6.6055% | 2,258 |
| Cash dividends to net income (ytd only)* | 132.9787% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3374% | 1,869 |
| Loan loss allowance to noncurrent loans | 206.3291% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 2,139 |
| Noncurrent loans to loans | 0.6482% | 1,163 |
| Net loans and leases to total assets | 30.3400% | 4,359 |
| Net loans and leases to deposits | 32.0368% | 4,407 |
| Net loans and leases to core deposits | 33.4344% | 4,404 |
| Total domestic deposits to total assets | 94.7100% | 116 |
| Equity capital to assets | 5.1119% | 4,403 |
| Core capital (leverage) ratio | 9.5329% | 3,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2432% | 716 |
| Memoranda: | ||
| Average total assets | $74,876,500 | 4,162 |
| Average earning assets | $72,515,500 | 4,105 |
| Average equity | $3,724,500 | 4,478 |
| Average total loans | $25,086,500 | 4,305 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9059% | 4,231 |
| Cost of funding earning assets | 0.2687% | 3,169 |
| Net interest margin | 2.6373% | 4,129 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.0747% | 3,372 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.6420% | 3,776 |
| Return on assets (ROA) | 0.6339% | 3,747 |
| Pretax return on assets | 0.6339% | 3,970 |
| Return on Equity (ROE) | 11.1100% | 2,438 |
| Retained earnings to average equity (ytd only) | 5.7798% | 2,724 |
| Net charge-offs to loans | -0.2576% | 4,652 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.3559% | 1,082 |
| Assets per employee ($millions) | 5.8739% | 2,881 |
| Cash dividends to net income (ytd only)* | 47.9744% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 2,114 |
| Loan loss allowance to noncurrent loans | 203.7736% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 2,022 |
| Noncurrent loans to loans | 0.6164% | 1,210 |
| Net loans and leases to total assets | 36.1400% | 4,207 |
| Net loans and leases to deposits | 38.9162% | 4,274 |
| Net loans and leases to core deposits | 40.4558% | 4,266 |
| Total domestic deposits to total assets | 92.8600% | 439 |
| Equity capital to assets | 4.8193% | 4,407 |
| Core capital (leverage) ratio | 10.4005% | 2,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8356% | 739 |
| Memoranda: | ||
| Average total assets | $73,985,600 | 4,197 |
| Average earning assets | $71,096,000 | 4,144 |
| Average equity | $4,221,600 | 4,509 |
| Average total loans | $25,234,600 | 4,323 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7247% | 4,273 |
| Cost of funding earning assets | 0.2467% | 2,741 |
| Net interest margin | 2.4781% | 4,226 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.9859% | 3,515 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.5646% | 3,928 |
| Return on assets (ROA) | 0.5468% | 3,918 |
| Pretax return on assets | 0.5468% | 4,075 |
| Return on Equity (ROE) | 9.2400% | 2,959 |
| Retained earnings to average equity (ytd only) | 2.4692% | 3,923 |
| Net charge-offs to loans | -0.3347% | 4,700 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.4222% | 1,040 |
| Assets per employee ($millions) | 5.8658% | 2,884 |
| Cash dividends to net income (ytd only)* | 73.2899% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 2,060 |
| Loan loss allowance to noncurrent loans | 202.5157% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.2259% | 2,103 |
| Noncurrent loans to loans | 0.6387% | 1,275 |
| Net loans and leases to total assets | 34.9100% | 4,274 |
| Net loans and leases to deposits | 35.8464% | 4,367 |
| Net loans and leases to core deposits | 37.2811% | 4,362 |
| Total domestic deposits to total assets | 97.3800% | 67 |
| Equity capital to assets | 2.4706% | 4,632 |
| Core capital (leverage) ratio | 9.6812% | 2,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6746% | 766 |
| Memoranda: | ||
| Average total assets | $74,860,250 | 4,220 |
| Average earning assets | $71,882,500 | 4,166 |
| Average equity | $4,427,750 | 4,533 |
| Average total loans | $25,094,000 | 4,355 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4596% | 4,411 |
| Cost of funding earning assets | 0.2375% | 2,422 |
| Net interest margin | 2.2221% | 4,401 |
| Noninterest income to average assets | 0.2200% | 3,882 |
| Noninterest expense to average assets | 1.8913% | 3,724 |
| Loan and lease loss provision to assets | 0.0472% | 1,722 |
| Net operating income to assets | 0.4139% | 4,082 |
| Return on assets (ROA) | 0.3851% | 4,086 |
| Pretax return on assets | 0.3851% | 4,181 |
| Return on Equity (ROE) | 5.5222% | 3,697 |
| Retained earnings to average equity (ytd only) | -2.9301% | 4,451 |
| Net charge-offs to loans | 0.0715% | 734 |
| Credit loss provision to net charge-offs | 200.0000% | 963 |
| Earnings coverage of net charge-offs (x) | 19.5556% | 1,560 |
| Efficiency ratio | 80.4009% | 917 |
| Assets per employee ($millions) | 6.2479% | 2,521 |
| Cash dividends to net income (ytd only)* | 153.0612% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9603% | 3,764 |
| Loan loss allowance to noncurrent loans | 8,033.3333% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 4,020 |
| Noncurrent loans to loans | 0.0120% | 3,888 |
| Net loans and leases to total assets | 33.1511% | 4,364 |
| Net loans and leases to deposits | 34.7496% | 4,430 |
| Net loans and leases to core deposits | 36.1554% | 4,430 |
| Total domestic deposits to total assets | 95.3998% | 111 |
| Equity capital to assets | 4.4855% | 4,561 |
| Core capital (leverage) ratio | 9.1498% | 3,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3924% | 799 |
| Memoranda: | ||
| Average total assets | $76,350,667 | 4,241 |
| Average earning assets | $73,264,333 | 4,206 |
| Average equity | $5,324,000 | 4,490 |
| Average total loans | $25,160,667 | 4,408 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2613% | 4,487 |
| Cost of funding earning assets | 0.2386% | 2,280 |
| Net interest margin | 2.0227% | 4,497 |
| Noninterest income to average assets | 0.2285% | 3,786 |
| Noninterest expense to average assets | 1.8173% | 3,897 |
| Loan and lease loss provision to assets | 0.0467% | 1,526 |
| Net operating income to assets | 0.3011% | 4,142 |
| Return on assets (ROA) | 0.2752% | 4,157 |
| Pretax return on assets | 0.2752% | 4,220 |
| Return on Equity (ROE) | 3.3627% | 4,019 |
| Retained earnings to average equity (ytd only) | -10.9128% | 4,577 |
| Net charge-offs to loans | 0.3175% | 200 |
| Credit loss provision to net charge-offs | 45.0000% | 1,214 |
| Earnings coverage of net charge-offs (x) | 3.3500% | 1,670 |
| Efficiency ratio | 83.9329% | 857 |
| Assets per employee ($millions) | 6.6418% | 2,262 |
| Cash dividends to net income (ytd only)* | 424.5283% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 3,963 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 29.5806% | 4,455 |
| Net loans and leases to deposits | 31.5888% | 4,509 |
| Net loans and leases to core deposits | 32.9265% | 4,511 |
| Total domestic deposits to total assets | 93.6425% | 146 |
| Equity capital to assets | 6.2433% | 4,518 |
| Core capital (leverage) ratio | 8.5006% | 3,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7152% | 799 |
| Memoranda: | ||
| Average total assets | $77,038,500 | 4,255 |
| Average earning assets | $73,762,500 | 4,215 |
| Average equity | $6,304,500 | 4,434 |
| Average total loans | $25,193,000 | 4,424 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7845% | 4,224 |
| Cost of funding earning assets | 0.2804% | 2,600 |
| Net interest margin | 2.5041% | 4,183 |
| Noninterest income to average assets | 0.3051% | 3,585 |
| Noninterest expense to average assets | 1.8716% | 3,994 |
| Loan and lease loss provision to assets | 0.0478% | 2,110 |
| Net operating income to assets | 0.8025% | 3,326 |
| Return on assets (ROA) | 0.8463% | 3,264 |
| Pretax return on assets | 0.8463% | 3,635 |
| Return on Equity (ROE) | 8.4521% | 3,092 |
| Retained earnings to average equity (ytd only) | 5.8026% | 2,441 |
| Net charge-offs to loans | 0.0276% | 1,687 |
| Credit loss provision to net charge-offs | 450.0000% | 854 |
| Earnings coverage of net charge-offs (x) | 80.1250% | 996 |
| Efficiency ratio | 68.7622% | 1,889 |
| Assets per employee ($millions) | 5.7212% | 3,031 |
| Cash dividends to net income (ytd only)* | 31.3480% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 4,132 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 35.4375% | 4,317 |
| Net loans and leases to deposits | 39.5697% | 4,352 |
| Net loans and leases to core deposits | 41.0961% | 4,367 |
| Total domestic deposits to total assets | 89.5571% | 1,201 |
| Equity capital to assets | 10.2627% | 2,410 |
| Core capital (leverage) ratio | 9.2736% | 3,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8626% | 776 |
| Memoranda: | ||
| Average total assets | $75,390,000 | 4,273 |
| Average earning assets | $72,760,400 | 4,219 |
| Average equity | $7,548,400 | 4,375 |
| Average total loans | $29,020,800 | 4,397 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8627% | 4,220 |
| Cost of funding earning assets | 0.2885% | 2,702 |
| Net interest margin | 2.5743% | 4,173 |
| Noninterest income to average assets | 0.2168% | 4,099 |
| Noninterest expense to average assets | 2.1063% | 3,341 |
| Loan and lease loss provision to assets | 0.0476% | 2,048 |
| Net operating income to assets | 0.5482% | 4,101 |
| Return on assets (ROA) | 0.5728% | 4,100 |
| Pretax return on assets | 0.5728% | 4,272 |
| Return on Equity (ROE) | 5.7567% | 3,970 |
| Retained earnings to average equity (ytd only) | 2.2141% | 4,134 |
| Net charge-offs to loans | 0.0360% | 1,360 |
| Credit loss provision to net charge-offs | 337.5000% | 943 |
| Earnings coverage of net charge-offs (x) | 42.2500% | 1,333 |
| Efficiency ratio | 77.9517% | 877 |
| Assets per employee ($millions) | 5.3498% | 3,354 |
| Cash dividends to net income (ytd only)* | 61.5385% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8246% | 4,314 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 35.8092% | 4,400 |
| Net loans and leases to deposits | 39.8573% | 4,453 |
| Net loans and leases to core deposits | 40.5730% | 4,497 |
| Total domestic deposits to total assets | 89.8434% | 843 |
| Equity capital to assets | 10.0298% | 2,872 |
| Core capital (leverage) ratio | 9.2772% | 3,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3582% | 902 |
| Memoranda: | ||
| Average total assets | $75,643,500 | 4,325 |
| Average earning assets | $73,029,000 | 4,273 |
| Average equity | $7,527,250 | 4,439 |
| Average total loans | $29,628,750 | 4,441 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9793% | 4,079 |
| Cost of funding earning assets | 0.3001% | 2,776 |
| Net interest margin | 2.6792% | 4,021 |
| Noninterest income to average assets | 0.2135% | 4,125 |
| Noninterest expense to average assets | 2.0845% | 3,435 |
| Loan and lease loss provision to assets | 0.0474% | 2,072 |
| Net operating income to assets | 0.6694% | 3,831 |
| Return on assets (ROA) | 0.6957% | 3,839 |
| Pretax return on assets | 0.6957% | 4,073 |
| Return on Equity (ROE) | 7.0098% | 3,655 |
| Retained earnings to average equity (ytd only) | 1.6993% | 4,190 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4120% | 1,212 |
| Assets per employee ($millions) | 5.3751% | 3,263 |
| Cash dividends to net income (ytd only)* | 75.7576% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7368% | 4,472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 39.7438% | 4,296 |
| Net loans and leases to deposits | 44.1707% | 4,374 |
| Net loans and leases to core deposits | 44.9589% | 4,431 |
| Total domestic deposits to total assets | 89.9777% | 791 |
| Equity capital to assets | 9.9160% | 2,927 |
| Core capital (leverage) ratio | 8.6045% | 3,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4020% | 1,050 |
| Memoranda: | ||
| Average total assets | $75,892,333 | 4,348 |
| Average earning assets | $73,306,333 | 4,293 |
| Average equity | $7,532,333 | 4,464 |
| Average total loans | $30,490,667 | 4,459 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8593% | 4,306 |
| Cost of funding earning assets | 0.3207% | 2,787 |
| Net interest margin | 2.5386% | 4,248 |
| Noninterest income to average assets | 0.2099% | 4,125 |
| Noninterest expense to average assets | 1.9944% | 3,731 |
| Loan and lease loss provision to assets | 0.0472% | 2,131 |
| Net operating income to assets | 0.6193% | 3,892 |
| Return on assets (ROA) | 0.6718% | 3,846 |
| Pretax return on assets | 0.6718% | 4,076 |
| Return on Equity (ROE) | 6.7658% | 3,662 |
| Retained earnings to average equity (ytd only) | 6.7658% | 2,646 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9507% | 1,225 |
| Assets per employee ($millions) | 6.1315% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7475% | 4,491 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 35.4828% | 4,526 |
| Net loans and leases to deposits | 39.2188% | 4,588 |
| Net loans and leases to core deposits | 39.8745% | 4,625 |
| Total domestic deposits to total assets | 90.4741% | 595 |
| Equity capital to assets | 9.3490% | 3,335 |
| Core capital (leverage) ratio | 8.9577% | 3,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3201% | 874 |
| Memoranda: | ||
| Average total assets | $76,212,500 | 4,365 |
| Average earning assets | $73,585,000 | 4,306 |
| Average equity | $7,567,500 | 4,477 |
| Average total loans | $30,671,000 | 4,478 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6886% | 3,605 |
| Cost of funding earning assets | 0.5164% | 2,839 |
| Net interest margin | 3.1722% | 3,433 |
| Noninterest income to average assets | 0.2432% | 4,033 |
| Noninterest expense to average assets | 2.4442% | 3,010 |
| Loan and lease loss provision to assets | -0.0310% | 4,921 |
| Net operating income to assets | 0.9022% | 2,687 |
| Return on assets (ROA) | 0.9568% | 2,598 |
| Pretax return on assets | 0.9273% | 3,293 |
| Return on Equity (ROE) | 9.2240% | 2,301 |
| Retained earnings to average equity (ytd only) | 9.2240% | 724 |
| Net charge-offs to loans | 0.3919% | 443 |
| Credit loss provision to net charge-offs | -15.7895% | 3,669 |
| Earnings coverage of net charge-offs (x) | 4.2932% | 3,000 |
| Efficiency ratio | 74.3831% | 1,397 |
| Assets per employee ($millions) | 5.5935% | 2,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6211% | 4,698 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 44.8897% | 4,203 |
| Net loans and leases to deposits | 50.3276% | 4,300 |
| Net loans and leases to core deposits | 51.0374% | 4,387 |
| Total domestic deposits to total assets | 89.1950% | 901 |
| Equity capital to assets | 10.5658% | 2,614 |
| Core capital (leverage) ratio | 9.0479% | 3,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7946% | 932 |
| Memoranda: | ||
| Average total assets | $67,833,000 | 4,414 |
| Average earning assets | $65,065,200 | 4,370 |
| Average equity | $7,036,000 | 4,522 |
| Average total loans | $33,938,600 | 4,434 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9627% | 3,080 |
| Cost of funding earning assets | 0.5557% | 2,896 |
| Net interest margin | 3.4070% | 2,894 |
| Noninterest income to average assets | 0.2422% | 4,031 |
| Noninterest expense to average assets | 2.5120% | 2,800 |
| Loan and lease loss provision to assets | -0.0420% | 4,979 |
| Net operating income to assets | 1.0769% | 2,058 |
| Return on assets (ROA) | 1.1429% | 1,957 |
| Pretax return on assets | 1.1029% | 2,738 |
| Return on Equity (ROE) | 11.0749% | 1,653 |
| Retained earnings to average equity (ytd only) | 11.0749% | 558 |
| Net charge-offs to loans | 0.3235% | 486 |
| Credit loss provision to net charge-offs | -25.3012% | 3,510 |
| Earnings coverage of net charge-offs (x) | 5.9880% | 2,688 |
| Efficiency ratio | 71.6324% | 1,686 |
| Assets per employee ($millions) | 5.3238% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7384% | 4,510 |
| Loan loss allowance to noncurrent loans | 2,822.2222% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 4,428 |
| Noncurrent loans to loans | 0.0262% | 4,305 |
| Net loans and leases to total assets | 49.3368% | 4,127 |
| Net loans and leases to deposits | 55.5355% | 4,281 |
| Net loans and leases to core deposits | 56.2500% | 4,375 |
| Total domestic deposits to total assets | 88.8383% | 844 |
| Equity capital to assets | 10.8554% | 2,515 |
| Core capital (leverage) ratio | 9.2280% | 3,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1122% | 899 |
| Memoranda: | ||
| Average total assets | $66,612,250 | 4,445 |
| Average earning assets | $63,827,250 | 4,405 |
| Average equity | $6,874,250 | 4,561 |
| Average total loans | $34,211,750 | 4,457 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2651% | 2,561 |
| Cost of funding earning assets | 0.5843% | 3,050 |
| Net interest margin | 3.6807% | 2,240 |
| Noninterest income to average assets | 0.2403% | 4,041 |
| Noninterest expense to average assets | 2.5827% | 2,724 |
| Loan and lease loss provision to assets | -0.0639% | 5,022 |
| Net operating income to assets | 1.3081% | 1,336 |
| Return on assets (ROA) | 1.4084% | 1,188 |
| Pretax return on assets | 1.3476% | 1,877 |
| Return on Equity (ROE) | 13.9011% | 905 |
| Retained earnings to average equity (ytd only) | 13.9011% | 285 |
| Net charge-offs to loans | 0.4744% | 336 |
| Credit loss provision to net charge-offs | -25.9259% | 3,337 |
| Earnings coverage of net charge-offs (x) | 4.8025% | 2,572 |
| Efficiency ratio | 68.5784% | 2,159 |
| Assets per employee ($millions) | 5.5435% | 2,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6945% | 4,573 |
| Loan loss allowance to noncurrent loans | 1,969.2308% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 4,465 |
| Noncurrent loans to loans | 0.0353% | 4,337 |
| Net loans and leases to total assets | 50.7958% | 4,114 |
| Net loans and leases to deposits | 56.6893% | 4,271 |
| Net loans and leases to core deposits | 57.3834% | 4,382 |
| Total domestic deposits to total assets | 89.6038% | 529 |
| Equity capital to assets | 10.1436% | 3,074 |
| Core capital (leverage) ratio | 9.3138% | 3,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6762% | 1,101 |
| Memoranda: | ||
| Average total assets | $65,746,333 | 4,463 |
| Average earning assets | $62,976,333 | 4,421 |
| Average equity | $6,661,333 | 4,607 |
| Average total loans | $34,149,000 | 4,475 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8761% | 4,086 |
| Cost of funding earning assets | 0.6561% | 3,139 |
| Net interest margin | 3.2200% | 3,805 |
| Noninterest income to average assets | 0.2684% | 3,932 |
| Noninterest expense to average assets | 2.5884% | 3,011 |
| Loan and lease loss provision to assets | 0.0575% | 3,044 |
| Net operating income to assets | 0.8245% | 2,811 |
| Return on assets (ROA) | 0.8820% | 2,677 |
| Pretax return on assets | 0.7542% | 3,537 |
| Return on Equity (ROE) | 8.7107% | 2,230 |
| Retained earnings to average equity (ytd only) | 8.7107% | 1,049 |
| Net charge-offs to loans | 0.9758% | 157 |
| Credit loss provision to net charge-offs | 11.2500% | 2,227 |
| Earnings coverage of net charge-offs (x) | 1.4750% | 2,384 |
| Efficiency ratio | 77.4379% | 1,407 |
| Assets per employee ($millions) | 4.7308% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9046% | 4,089 |
| Loan loss allowance to noncurrent loans | 315.3846% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.1480% | 3,904 |
| Noncurrent loans to loans | 0.2868% | 3,466 |
| Net loans and leases to total assets | 51.1220% | 4,173 |
| Net loans and leases to deposits | 57.1345% | 4,314 |
| Net loans and leases to core deposits | 58.2827% | 4,424 |
| Total domestic deposits to total assets | 89.4764% | 481 |
| Equity capital to assets | 10.2211% | 3,581 |
| Core capital (leverage) ratio | 9.4066% | 4,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2711% | 1,285 |
| Memoranda: | ||
| Average total assets | $62,587,000 | 4,519 |
| Average earning assets | $59,751,500 | 4,481 |
| Average equity | $6,337,000 | 4,681 |
| Average total loans | $32,792,500 | 4,539 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1269% | 3,987 |
| Cost of funding earning assets | 0.6628% | 3,343 |
| Net interest margin | 3.4641% | 3,552 |
| Noninterest income to average assets | 0.2838% | 3,988 |
| Noninterest expense to average assets | 2.6160% | 3,133 |
| Loan and lease loss provision to assets | 0.2563% | 702 |
| Net operating income to assets | 0.7110% | 3,838 |
| Return on assets (ROA) | 0.7639% | 3,747 |
| Pretax return on assets | 0.7979% | 3,975 |
| Return on Equity (ROE) | 7.7818% | 3,261 |
| Retained earnings to average equity (ytd only) | 4.8905% | 2,477 |
| Net charge-offs to loans | -0.0086% | 4,429 |
| Credit loss provision to net charge-offs | -5,266.6667% | 4,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3643% | 1,818 |
| Assets per employee ($millions) | 4.8980% | 2,708 |
| Cash dividends to net income (ytd only)* | 37.1550% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 3,178 |
| Loan loss allowance to noncurrent loans | 120.5387% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.4664% | 2,540 |
| Noncurrent loans to loans | 0.8772% | 1,748 |
| Net loans and leases to total assets | 52.6117% | 4,177 |
| Net loans and leases to deposits | 58.7091% | 4,344 |
| Net loans and leases to core deposits | 60.1242% | 4,435 |
| Total domestic deposits to total assets | 89.6143% | 456 |
| Equity capital to assets | 10.0324% | 3,884 |
| Core capital (leverage) ratio | 9.3977% | 4,172 |
| Tier 1 risk-based capital ratio | 15.4766% | 2,586 |
| Total risk-based capital ratio | 16.4188% | 2,647 |
| Memoranda: | ||
| Average total assets | $61,658,000 | 4,574 |
| Average earning assets | $59,294,400 | 4,528 |
| Average equity | $6,052,600 | 4,748 |
| Average total loans | $34,921,200 | 4,539 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1574% | 4,023 |
| Cost of funding earning assets | 0.6612% | 3,392 |
| Net interest margin | 3.4962% | 3,572 |
| Noninterest income to average assets | 0.2834% | 4,045 |
| Noninterest expense to average assets | 2.6272% | 3,084 |
| Loan and lease loss provision to assets | 0.2093% | 837 |
| Net operating income to assets | 0.7786% | 3,749 |
| Return on assets (ROA) | 0.7849% | 3,789 |
| Pretax return on assets | 0.8198% | 4,074 |
| Return on Equity (ROE) | 8.0417% | 3,287 |
| Retained earnings to average equity (ytd only) | 4.1325% | 3,340 |
| Net charge-offs to loans | -0.0114% | 4,414 |
| Credit loss provision to net charge-offs | -3,200.0000% | 4,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9833% | 1,837 |
| Assets per employee ($millions) | 4.6772% | 2,940 |
| Cash dividends to net income (ytd only)* | 48.6114% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8417% | 4,269 |
| Loan loss allowance to noncurrent loans | 85.0575% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.5723% | 2,295 |
| Noncurrent loans to loans | 0.9896% | 1,618 |
| Net loans and leases to total assets | 57.3508% | 3,938 |
| Net loans and leases to deposits | 64.3163% | 4,156 |
| Net loans and leases to core deposits | 65.8963% | 4,282 |
| Total domestic deposits to total assets | 89.1699% | 563 |
| Equity capital to assets | 10.4304% | 3,612 |
| Core capital (leverage) ratio | 9.5213% | 4,146 |
| Tier 1 risk-based capital ratio | 14.8107% | 2,945 |
| Total risk-based capital ratio | 15.5709% | 3,076 |
| Memoranda: | ||
| Average total assets | $61,154,000 | 4,640 |
| Average earning assets | $58,881,750 | 4,595 |
| Average equity | $5,968,750 | 4,820 |
| Average total loans | $35,187,000 | 4,590 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0968% | 4,172 |
| Cost of funding earning assets | 0.6269% | 3,519 |
| Net interest margin | 3.4699% | 3,690 |
| Noninterest income to average assets | 0.2677% | 4,147 |
| Noninterest expense to average assets | 2.6930% | 2,930 |
| Loan and lease loss provision to assets | 0.0588% | 2,647 |
| Net operating income to assets | 0.8230% | 3,575 |
| Return on assets (ROA) | 0.8324% | 3,592 |
| Pretax return on assets | 0.8683% | 3,935 |
| Return on Equity (ROE) | 8.7264% | 2,964 |
| Retained earnings to average equity (ytd only) | 2.7377% | 3,833 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5931% | 1,571 |
| Assets per employee ($millions) | 4.7826% | 2,761 |
| Cash dividends to net income (ytd only)* | 68.6275% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6096% | 4,860 |
| Loan loss allowance to noncurrent loans | 364.4068% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 4,285 |
| Noncurrent loans to loans | 0.1673% | 3,953 |
| Net loans and leases to total assets | 56.3789% | 4,054 |
| Net loans and leases to deposits | 62.7234% | 4,293 |
| Net loans and leases to core deposits | 63.8663% | 4,423 |
| Total domestic deposits to total assets | 89.8848% | 366 |
| Equity capital to assets | 9.7919% | 4,145 |
| Core capital (leverage) ratio | 9.6346% | 3,996 |
| Tier 1 risk-based capital ratio | 14.5073% | 3,066 |
| Total risk-based capital ratio | 15.0621% | 3,314 |
| Memoranda: | ||
| Average total assets | $61,271,000 | 4,670 |
| Average earning assets | $59,021,330 | 4,624 |
| Average equity | $5,844,330 | 4,871 |
| Average total loans | $35,193,670 | 4,621 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0505% | 4,259 |
| Cost of funding earning assets | 0.5943% | 3,607 |
| Net interest margin | 3.4563% | 3,731 |
| Noninterest income to average assets | 0.2433% | 4,265 |
| Noninterest expense to average assets | 2.6702% | 2,995 |
| Loan and lease loss provision to assets | 0.0592% | 2,468 |
| Net operating income to assets | 0.8090% | 3,585 |
| Return on assets (ROA) | 0.8090% | 3,622 |
| Pretax return on assets | 0.8418% | 3,940 |
| Return on Equity (ROE) | 8.5976% | 2,990 |
| Retained earnings to average equity (ytd only) | 8.5976% | 1,451 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7698% | 1,642 |
| Assets per employee ($millions) | 4.7122% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6091% | 4,913 |
| Loan loss allowance to noncurrent loans | 337.7049% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 4,311 |
| Noncurrent loans to loans | 0.1804% | 3,946 |
| Net loans and leases to total assets | 54.8703% | 4,142 |
| Net loans and leases to deposits | 60.9207% | 4,365 |
| Net loans and leases to core deposits | 62.0452% | 4,473 |
| Total domestic deposits to total assets | 90.0684% | 422 |
| Equity capital to assets | 9.6655% | 4,118 |
| Core capital (leverage) ratio | 9.9603% | 3,647 |
| Tier 1 risk-based capital ratio | 15.1828% | 2,802 |
| Total risk-based capital ratio | 15.7357% | 3,033 |
| Memoranda: | ||
| Average total assets | $60,819,500 | 4,732 |
| Average earning assets | $58,560,000 | 4,683 |
| Average equity | $5,722,500 | 4,928 |
| Average total loans | $35,156,500 | 4,663 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1135% | 3,704 |
| Cost of funding earning assets | 0.4946% | 3,392 |
| Net interest margin | 3.6190% | 3,314 |
| Noninterest income to average assets | 0.2775% | 4,245 |
| Noninterest expense to average assets | 2.8061% | 2,668 |
| Loan and lease loss provision to assets | 0.0746% | 2,640 |
| Net operating income to assets | 0.8360% | 3,667 |
| Return on assets (ROA) | 0.8377% | 3,657 |
| Pretax return on assets | 0.8758% | 3,964 |
| Return on Equity (ROE) | 8.9484% | 3,020 |
| Retained earnings to average equity (ytd only) | 4.7799% | 2,903 |
| Net charge-offs to loans | 0.2979% | 650 |
| Credit loss provision to net charge-offs | 43.0000% | 3,257 |
| Earnings coverage of net charge-offs (x) | 5.4700% | 3,192 |
| Efficiency ratio | 74.7344% | 1,530 |
| Assets per employee ($millions) | 4.6446% | 2,967 |
| Cash dividends to net income (ytd only)* | 46.5839% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5398% | 5,076 |
| Loan loss allowance to noncurrent loans | 317.7419% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.1027% | 4,313 |
| Noncurrent loans to loans | 0.1699% | 3,989 |
| Net loans and leases to total assets | 60.1143% | 3,763 |
| Net loans and leases to deposits | 68.5198% | 3,941 |
| Net loans and leases to core deposits | 69.8382% | 4,123 |
| Total domestic deposits to total assets | 87.7327% | 1,431 |
| Equity capital to assets | 9.1487% | 4,450 |
| Core capital (leverage) ratio | 9.8394% | 3,762 |
| Tier 1 risk-based capital ratio | 14.1002% | 3,243 |
| Total risk-based capital ratio | 14.5999% | 3,523 |
| Memoranda: | ||
| Average total assets | $57,659,800 | 4,806 |
| Average earning assets | $55,402,400 | 4,761 |
| Average equity | $5,397,600 | 4,985 |
| Average total loans | $33,570,000 | 4,732 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0844% | 3,686 |
| Cost of funding earning assets | 0.4652% | 3,423 |
| Net interest margin | 3.6192% | 3,302 |
| Noninterest income to average assets | 0.2808% | 4,271 |
| Noninterest expense to average assets | 2.8197% | 2,575 |
| Loan and lease loss provision to assets | 0.0632% | 2,714 |
| Net operating income to assets | 0.8377% | 3,784 |
| Return on assets (ROA) | 0.8377% | 3,791 |
| Pretax return on assets | 0.8751% | 4,100 |
| Return on Equity (ROE) | 8.8953% | 3,131 |
| Retained earnings to average equity (ytd only) | 6.4105% | 2,428 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0311% | 1,461 |
| Assets per employee ($millions) | 4.4936% | 3,139 |
| Cash dividends to net income (ytd only)* | 27.9330% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7879% | 4,662 |
| Loan loss allowance to noncurrent loans | 5,620.0000% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 4,973 |
| Noncurrent loans to loans | 0.0140% | 4,854 |
| Net loans and leases to total assets | 60.5697% | 3,788 |
| Net loans and leases to deposits | 71.7854% | 3,789 |
| Net loans and leases to core deposits | 73.2522% | 3,995 |
| Total domestic deposits to total assets | 84.3761% | 2,824 |
| Equity capital to assets | 9.0864% | 4,471 |
| Core capital (leverage) ratio | 9.7741% | 3,871 |
| Tier 1 risk-based capital ratio | 14.3018% | 3,210 |
| Total risk-based capital ratio | 15.0221% | 3,394 |
| Memoranda: | ||
| Average total assets | $56,979,750 | 4,866 |
| Average earning assets | $54,743,000 | 4,827 |
| Average equity | $5,366,000 | 5,050 |
| Average total loans | $32,839,000 | 4,801 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9520% | 3,921 |
| Cost of funding earning assets | 0.4125% | 3,625 |
| Net interest margin | 3.5395% | 3,503 |
| Noninterest income to average assets | 0.2903% | 4,241 |
| Noninterest expense to average assets | 2.8495% | 2,505 |
| Loan and lease loss provision to assets | 0.0637% | 2,625 |
| Net operating income to assets | 0.7434% | 4,058 |
| Return on assets (ROA) | 0.7434% | 4,058 |
| Pretax return on assets | 0.7788% | 4,310 |
| Return on Equity (ROE) | 7.7990% | 3,594 |
| Retained earnings to average equity (ytd only) | 7.7990% | 1,708 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1812% | 1,287 |
| Assets per employee ($millions) | 4.4477% | 3,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8027% | 4,684 |
| Loan loss allowance to noncurrent loans | 4,533.3333% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 4,993 |
| Noncurrent loans to loans | 0.0177% | 4,864 |
| Net loans and leases to total assets | 58.1339% | 3,980 |
| Net loans and leases to deposits | 65.6927% | 4,182 |
| Net loans and leases to core deposits | 67.3310% | 4,294 |
| Total domestic deposits to total assets | 88.4936% | 1,145 |
| Equity capital to assets | 9.2978% | 4,279 |
| Core capital (leverage) ratio | 9.9224% | 3,665 |
| Tier 1 risk-based capital ratio | 14.6863% | 3,023 |
| Total risk-based capital ratio | 15.4114% | 3,197 |
| Memoranda: | ||
| Average total assets | $56,500,670 | 4,930 |
| Average earning assets | $54,301,000 | 4,889 |
| Average equity | $5,385,330 | 5,094 |
| Average total loans | $31,897,330 | 4,875 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8575% | 4,062 |
| Cost of funding earning assets | 0.3954% | 3,620 |
| Net interest margin | 3.4620% | 3,668 |
| Noninterest income to average assets | 0.2865% | 4,255 |
| Noninterest expense to average assets | 2.9297% | 2,256 |
| Loan and lease loss provision to assets | 0.0645% | 2,481 |
| Net operating income to assets | 0.5874% | 4,459 |
| Return on assets (ROA) | 0.5874% | 4,468 |
| Pretax return on assets | 0.6160% | 4,654 |
| Return on Equity (ROE) | 6.0853% | 4,130 |
| Retained earnings to average equity (ytd only) | 6.0853% | 2,669 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1508% | 1,032 |
| Assets per employee ($millions) | 4.2701% | 3,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8575% | 4,613 |
| Loan loss allowance to noncurrent loans | 1,547.0588% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 4,957 |
| Noncurrent loans to loans | 0.0554% | 4,731 |
| Net loans and leases to total assets | 54.7783% | 4,218 |
| Net loans and leases to deposits | 60.8489% | 4,414 |
| Net loans and leases to core deposits | 62.4048% | 4,529 |
| Total domestic deposits to total assets | 90.0236% | 648 |
| Equity capital to assets | 9.5062% | 4,083 |
| Core capital (leverage) ratio | 9.8223% | 3,736 |
| Tier 1 risk-based capital ratio | 15.2696% | 2,755 |
| Total risk-based capital ratio | 16.0160% | 2,918 |
| Memoranda: | ||
| Average total assets | $55,841,000 | 5,005 |
| Average earning assets | $53,610,000 | 4,961 |
| Average equity | $5,390,000 | 5,151 |
| Average total loans | $30,903,500 | 4,952 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6591% | 4,432 |
| Cost of funding earning assets | 0.3734% | 3,481 |
| Net interest margin | 3.2857% | 4,200 |
| Noninterest income to average assets | 0.2961% | 4,333 |
| Noninterest expense to average assets | 2.7132% | 3,085 |
| Loan and lease loss provision to assets | 0.0465% | 3,303 |
| Net operating income to assets | 0.6712% | 3,726 |
| Return on assets (ROA) | 0.7076% | 3,627 |
| Pretax return on assets | 0.7403% | 4,411 |
| Return on Equity (ROE) | 7.3111% | 3,114 |
| Retained earnings to average equity (ytd only) | 0.1957% | 4,939 |
| Net charge-offs to loans | -0.0482% | 5,174 |
| Credit loss provision to net charge-offs | -180.0000% | 4,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3690% | 1,298 |
| Assets per employee ($millions) | 4.3208% | 3,453 |
| Cash dividends to net income (ytd only)* | 97.3236% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8158% | 4,778 |
| Loan loss allowance to noncurrent loans | 1,336.8421% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 4,970 |
| Noncurrent loans to loans | 0.0610% | 4,717 |
| Net loans and leases to total assets | 54.9785% | 4,273 |
| Net loans and leases to deposits | 63.8638% | 4,326 |
| Net loans and leases to core deposits | 65.5502% | 4,439 |
| Total domestic deposits to total assets | 86.0871% | 2,394 |
| Equity capital to assets | 9.7969% | 3,920 |
| Core capital (leverage) ratio | 9.5968% | 3,920 |
| Tier 1 risk-based capital ratio | 14.9577% | 2,869 |
| Total risk-based capital ratio | 15.6724% | 3,040 |
| Memoranda: | ||
| Average total assets | $58,086,600 | 5,003 |
| Average earning assets | $55,970,200 | 4,950 |
| Average equity | $5,621,600 | 5,162 |
| Average total loans | $31,147,000 | 4,998 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6095% | 4,536 |
| Cost of funding earning assets | 0.3614% | 3,546 |
| Net interest margin | 3.2481% | 4,330 |
| Noninterest income to average assets | 0.2686% | 4,585 |
| Noninterest expense to average assets | 2.6454% | 3,262 |
| Loan and lease loss provision to assets | 0.0410% | 3,287 |
| Net operating income to assets | 0.6827% | 4,064 |
| Return on assets (ROA) | 0.7308% | 3,889 |
| Pretax return on assets | 0.7627% | 4,448 |
| Return on Equity (ROE) | 7.5734% | 3,357 |
| Retained earnings to average equity (ytd only) | 5.2141% | 2,732 |
| Net charge-offs to loans | -0.0642% | 5,244 |
| Credit loss provision to net charge-offs | -120.0000% | 4,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8299% | 1,352 |
| Assets per employee ($millions) | 4.4884% | 3,171 |
| Cash dividends to net income (ytd only)* | 31.1526% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7626% | 4,992 |
| Loan loss allowance to noncurrent loans | 1,225.0000% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 5,063 |
| Noncurrent loans to loans | 0.0623% | 4,832 |
| Net loans and leases to total assets | 54.6402% | 4,359 |
| Net loans and leases to deposits | 65.7185% | 4,274 |
| Net loans and leases to core deposits | 68.1676% | 4,355 |
| Total domestic deposits to total assets | 83.1428% | 3,414 |
| Equity capital to assets | 10.0567% | 3,851 |
| Core capital (leverage) ratio | 9.7643% | 3,866 |
| Tier 1 risk-based capital ratio | 15.3706% | 2,763 |
| Total risk-based capital ratio | 16.0533% | 2,944 |
| Memoranda: | ||
| Average total assets | $58,565,500 | 5,051 |
| Average earning assets | $56,442,500 | 4,998 |
| Average equity | $5,651,250 | 5,209 |
| Average total loans | $31,149,750 | 5,046 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5269% | 4,691 |
| Cost of funding earning assets | 0.3502% | 3,581 |
| Net interest margin | 3.1767% | 4,483 |
| Noninterest income to average assets | 0.2660% | 4,639 |
| Noninterest expense to average assets | 2.6365% | 3,321 |
| Loan and lease loss provision to assets | 0.0409% | 3,188 |
| Net operating income to assets | 0.6238% | 4,190 |
| Return on assets (ROA) | 0.6958% | 3,932 |
| Pretax return on assets | 0.7265% | 4,484 |
| Return on Equity (ROE) | 7.3131% | 3,385 |
| Retained earnings to average equity (ytd only) | 7.3131% | 1,444 |
| Net charge-offs to loans | -0.0519% | 5,188 |
| Credit loss provision to net charge-offs | -150.0000% | 4,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2008% | 1,310 |
| Assets per employee ($millions) | 4.5629% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7442% | 5,098 |
| Loan loss allowance to noncurrent loans | 1,104.7619% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 5,122 |
| Noncurrent loans to loans | 0.0674% | 4,855 |
| Net loans and leases to total assets | 52.1612% | 4,558 |
| Net loans and leases to deposits | 58.9442% | 4,704 |
| Net loans and leases to core deposits | 61.8882% | 4,720 |
| Total domestic deposits to total assets | 88.4925% | 1,207 |
| Equity capital to assets | 9.9026% | 4,030 |
| Core capital (leverage) ratio | 9.6153% | 4,004 |
| Tier 1 risk-based capital ratio | 15.6905% | 2,622 |
| Total risk-based capital ratio | 16.3506% | 2,819 |
| Memoranda: | ||
| Average total assets | $58,637,670 | 5,087 |
| Average earning assets | $56,536,670 | 5,034 |
| Average equity | $5,579,000 | 5,259 |
| Average total loans | $30,824,000 | 5,087 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4789% | 4,749 |
| Cost of funding earning assets | 0.3557% | 3,468 |
| Net interest margin | 3.1232% | 4,590 |
| Noninterest income to average assets | 0.2539% | 4,723 |
| Noninterest expense to average assets | 2.6553% | 3,292 |
| Loan and lease loss provision to assets | 0.0618% | 2,572 |
| Net operating income to assets | 0.5283% | 4,472 |
| Return on assets (ROA) | 0.5283% | 4,513 |
| Pretax return on assets | 0.5489% | 4,845 |
| Return on Equity (ROE) | 5.6706% | 4,053 |
| Retained earnings to average equity (ytd only) | 5.6706% | 2,507 |
| Net charge-offs to loans | 0.0131% | 2,543 |
| Credit loss provision to net charge-offs | 900.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 597 |
| Efficiency ratio | 81.3025% | 1,221 |
| Assets per employee ($millions) | 4.4760% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7356% | 5,236 |
| Loan loss allowance to noncurrent loans | 709.6774% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.0533% | 5,087 |
| Noncurrent loans to loans | 0.1037% | 4,772 |
| Net loans and leases to total assets | 51.0174% | 4,590 |
| Net loans and leases to deposits | 56.8447% | 4,767 |
| Net loans and leases to core deposits | 59.6968% | 4,792 |
| Total domestic deposits to total assets | 89.7487% | 775 |
| Equity capital to assets | 9.5054% | 4,280 |
| Core capital (leverage) ratio | 9.3843% | 4,247 |
| Tier 1 risk-based capital ratio | 15.5319% | 2,743 |
| Total risk-based capital ratio | 16.1637% | 2,932 |
| Memoranda: | ||
| Average total assets | $58,297,500 | 5,146 |
| Average earning assets | $56,224,500 | 5,095 |
| Average equity | $5,431,500 | 5,336 |
| Average total loans | $30,649,500 | 5,134 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6637% | 4,328 |
| Cost of funding earning assets | 0.4011% | 2,988 |
| Net interest margin | 3.2626% | 4,254 |
| Noninterest income to average assets | 0.2799% | 4,735 |
| Noninterest expense to average assets | 2.6923% | 3,365 |
| Loan and lease loss provision to assets | 0.0622% | 3,128 |
| Net operating income to assets | 0.6321% | 4,082 |
| Return on assets (ROA) | 0.6653% | 4,044 |
| Pretax return on assets | 0.6947% | 4,508 |
| Return on Equity (ROE) | 6.7949% | 3,583 |
| Retained earnings to average equity (ytd only) | 4.1475% | 2,954 |
| Net charge-offs to loans | 0.3732% | 726 |
| Credit loss provision to net charge-offs | 29.5082% | 3,596 |
| Earnings coverage of net charge-offs (x) | 3.4262% | 3,670 |
| Efficiency ratio | 78.8462% | 1,573 |
| Assets per employee ($millions) | 4.1719% | 3,663 |
| Cash dividends to net income (ytd only)* | 38.9610% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6753% | 5,403 |
| Loan loss allowance to noncurrent loans | 1,009.5238% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 5,220 |
| Noncurrent loans to loans | 0.0669% | 4,976 |
| Net loans and leases to total assets | 53.3857% | 4,490 |
| Net loans and leases to deposits | 59.8105% | 4,683 |
| Net loans and leases to core deposits | 62.8155% | 4,704 |
| Total domestic deposits to total assets | 89.2581% | 976 |
| Equity capital to assets | 9.1290% | 4,670 |
| Core capital (leverage) ratio | 9.2323% | 4,432 |
| Tier 1 risk-based capital ratio | 14.9715% | 2,974 |
| Total risk-based capital ratio | 15.5560% | 3,211 |
| Memoranda: | ||
| Average total assets | $57,868,600 | 5,195 |
| Average earning assets | $55,600,200 | 5,135 |
| Average equity | $5,666,000 | 5,341 |
| Average total loans | $32,691,600 | 5,109 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7159% | 4,199 |
| Cost of funding earning assets | 0.4067% | 2,962 |
| Net interest margin | 3.3091% | 4,157 |
| Noninterest income to average assets | 0.2679% | 4,854 |
| Noninterest expense to average assets | 2.6904% | 3,377 |
| Loan and lease loss provision to assets | 0.0624% | 2,985 |
| Net operating income to assets | 0.6600% | 4,034 |
| Return on assets (ROA) | 0.7044% | 3,954 |
| Pretax return on assets | 0.7367% | 4,510 |
| Return on Equity (ROE) | 7.0730% | 3,525 |
| Retained earnings to average equity (ytd only) | 7.0730% | 1,585 |
| Net charge-offs to loans | -0.0161% | 4,938 |
| Credit loss provision to net charge-offs | -675.0000% | 5,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1355% | 1,675 |
| Assets per employee ($millions) | 4.0651% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 4,381 |
| Loan loss allowance to noncurrent loans | 213.6364% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.2706% | 4,350 |
| Noncurrent loans to loans | 0.4700% | 3,604 |
| Net loans and leases to total assets | 56.9907% | 4,194 |
| Net loans and leases to deposits | 65.5948% | 4,381 |
| Net loans and leases to core deposits | 68.6725% | 4,417 |
| Total domestic deposits to total assets | 86.8830% | 1,941 |
| Equity capital to assets | 10.5094% | 3,553 |
| Core capital (leverage) ratio | 9.3965% | 4,329 |
| Tier 1 risk-based capital ratio | 14.8968% | 3,099 |
| Total risk-based capital ratio | 15.7880% | 3,205 |
| Memoranda: | ||
| Average total assets | $57,734,000 | 5,242 |
| Average earning assets | $55,400,750 | 5,184 |
| Average equity | $5,749,500 | 5,380 |
| Average total loans | $33,016,250 | 5,149 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6533% | 4,437 |
| Cost of funding earning assets | 0.4059% | 2,975 |
| Net interest margin | 3.2474% | 4,390 |
| Noninterest income to average assets | 0.2655% | 4,889 |
| Noninterest expense to average assets | 2.6962% | 3,408 |
| Loan and lease loss provision to assets | 0.0621% | 2,891 |
| Net operating income to assets | 0.5983% | 4,280 |
| Return on assets (ROA) | 0.6413% | 4,231 |
| Pretax return on assets | 0.6689% | 4,717 |
| Return on Equity (ROE) | 6.5582% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.5582% | 1,847 |
| Net charge-offs to loans | 0.0483% | 2,515 |
| Credit loss provision to net charge-offs | 225.0000% | 1,197 |
| Earnings coverage of net charge-offs (x) | 24.8750% | 1,527 |
| Efficiency ratio | 79.7146% | 1,527 |
| Assets per employee ($millions) | 3.9794% | 3,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9300% | 4,847 |
| Loan loss allowance to noncurrent loans | 31.5574% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 1.6351% | 1,115 |
| Noncurrent loans to loans | 2.9470% | 511 |
| Net loans and leases to total assets | 54.9664% | 4,418 |
| Net loans and leases to deposits | 62.6791% | 4,598 |
| Net loans and leases to core deposits | 65.4485% | 4,650 |
| Total domestic deposits to total assets | 87.6950% | 1,574 |
| Equity capital to assets | 9.8725% | 4,364 |
| Core capital (leverage) ratio | 9.1210% | 4,689 |
| Tier 1 risk-based capital ratio | 14.0783% | 3,558 |
| Total risk-based capital ratio | 14.8841% | 3,731 |
| Memoranda: | ||
| Average total assets | $58,008,330 | 5,288 |
| Average earning assets | $55,676,000 | 5,227 |
| Average equity | $5,672,330 | 5,449 |
| Average total loans | $33,100,670 | 5,198 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7938% | 3,965 |
| Cost of funding earning assets | 0.4159% | 2,893 |
| Net interest margin | 3.3779% | 3,949 |
| Noninterest income to average assets | 0.3009% | 4,575 |
| Noninterest expense to average assets | 2.7778% | 3,155 |
| Loan and lease loss provision to assets | 0.0630% | 2,693 |
| Net operating income to assets | 0.6668% | 3,887 |
| Return on assets (ROA) | 0.7067% | 3,799 |
| Pretax return on assets | 0.7417% | 4,388 |
| Return on Equity (ROE) | 7.2636% | 3,309 |
| Retained earnings to average equity (ytd only) | 7.2636% | 1,766 |
| Net charge-offs to loans | -0.0121% | 4,614 |
| Credit loss provision to net charge-offs | -900.0000% | 4,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4585% | 1,829 |
| Assets per employee ($millions) | 4.0499% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9534% | 4,827 |
| Loan loss allowance to noncurrent loans | 178.0347% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.3051% | 4,347 |
| Noncurrent loans to loans | 0.5355% | 3,582 |
| Net loans and leases to total assets | 56.4323% | 4,205 |
| Net loans and leases to deposits | 64.5029% | 4,393 |
| Net loans and leases to core deposits | 67.5149% | 4,433 |
| Total domestic deposits to total assets | 87.4881% | 1,931 |
| Equity capital to assets | 9.9633% | 4,123 |
| Core capital (leverage) ratio | 9.0861% | 4,751 |
| Tier 1 risk-based capital ratio | 14.3255% | 3,484 |
| Total risk-based capital ratio | 15.1586% | 3,681 |
| Memoranda: | ||
| Average total assets | $57,167,000 | 5,360 |
| Average earning assets | $54,827,000 | 5,297 |
| Average equity | $5,562,000 | 5,499 |
| Average total loans | $33,092,000 | 5,237 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8243% | 3,967 |
| Cost of funding earning assets | 0.3916% | 3,247 |
| Net interest margin | 3.4327% | 3,785 |
| Noninterest income to average assets | 0.2667% | 4,962 |
| Noninterest expense to average assets | 2.8037% | 3,214 |
| Loan and lease loss provision to assets | -0.4211% | 6,107 |
| Net operating income to assets | 1.1254% | 1,817 |
| Return on assets (ROA) | 1.0597% | 2,166 |
| Pretax return on assets | 1.1071% | 3,016 |
| Return on Equity (ROE) | 11.0513% | 1,595 |
| Retained earnings to average equity (ytd only) | 3.6411% | 3,457 |
| Net charge-offs to loans | -0.7215% | 6,115 |
| Credit loss provision to net charge-offs | 99.1736% | 2,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7968% | 1,843 |
| Assets per employee ($millions) | 4.1169% | 3,726 |
| Cash dividends to net income (ytd only)* | 67.0530% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8796% | 5,155 |
| Loan loss allowance to noncurrent loans | 171.2644% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3019% | 4,394 |
| Noncurrent loans to loans | 0.5136% | 3,640 |
| Net loans and leases to total assets | 58.2657% | 4,046 |
| Net loans and leases to deposits | 66.3230% | 4,289 |
| Net loans and leases to core deposits | 69.3528% | 4,348 |
| Total domestic deposits to total assets | 87.8513% | 1,719 |
| Equity capital to assets | 9.4993% | 4,550 |
| Core capital (leverage) ratio | 9.0758% | 4,787 |
| Tier 1 risk-based capital ratio | 13.6998% | 3,887 |
| Total risk-based capital ratio | 14.4858% | 4,084 |
| Memoranda: | ||
| Average total assets | $56,996,800 | 5,382 |
| Average earning assets | $54,650,400 | 5,328 |
| Average equity | $5,465,400 | 5,545 |
| Average total loans | $33,540,000 | 5,244 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7957% | 4,098 |
| Cost of funding earning assets | 0.3840% | 3,392 |
| Net interest margin | 3.4117% | 3,905 |
| Noninterest income to average assets | 0.2674% | 5,021 |
| Noninterest expense to average assets | 2.8244% | 3,093 |
| Loan and lease loss provision to assets | -0.5161% | 6,214 |
| Net operating income to assets | 1.1757% | 1,730 |
| Return on assets (ROA) | 1.1847% | 1,769 |
| Pretax return on assets | 1.2410% | 2,644 |
| Return on Equity (ROE) | 12.3251% | 1,290 |
| Retained earnings to average equity (ytd only) | 7.9319% | 1,263 |
| Net charge-offs to loans | -0.9605% | 6,205 |
| Credit loss provision to net charge-offs | 91.2863% | 2,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7879% | 1,689 |
| Assets per employee ($millions) | 4.0509% | 3,802 |
| Cash dividends to net income (ytd only)* | 35.6428% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 5,030 |
| Loan loss allowance to noncurrent loans | 181.1429% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.3086% | 4,531 |
| Noncurrent loans to loans | 0.5175% | 3,802 |
| Net loans and leases to total assets | 59.0693% | 4,004 |
| Net loans and leases to deposits | 67.1747% | 4,269 |
| Net loans and leases to core deposits | 69.1691% | 4,448 |
| Total domestic deposits to total assets | 87.9340% | 1,600 |
| Equity capital to assets | 9.9325% | 4,252 |
| Core capital (leverage) ratio | 9.4194% | 4,403 |
| Tier 1 risk-based capital ratio | 13.9776% | 3,859 |
| Total risk-based capital ratio | 14.8104% | 4,033 |
| Memoranda: | ||
| Average total assets | $56,837,000 | 5,459 |
| Average earning assets | $54,516,750 | 5,396 |
| Average equity | $5,463,000 | 5,620 |
| Average total loans | $33,455,000 | 5,307 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7285% | 4,321 |
| Cost of funding earning assets | 0.3736% | 3,563 |
| Net interest margin | 3.3549% | 4,081 |
| Noninterest income to average assets | 0.2532% | 5,136 |
| Noninterest expense to average assets | 2.8728% | 2,988 |
| Loan and lease loss provision to assets | -0.7736% | 6,310 |
| Net operating income to assets | 1.3123% | 1,283 |
| Return on assets (ROA) | 1.3256% | 1,299 |
| Pretax return on assets | 1.3889% | 2,024 |
| Return on Equity (ROE) | 13.9466% | 918 |
| Retained earnings to average equity (ytd only) | 7.2878% | 1,575 |
| Net charge-offs to loans | -1.4400% | 6,285 |
| Credit loss provision to net charge-offs | 91.6667% | 2,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6923% | 1,411 |
| Assets per employee ($millions) | 3.9541% | 3,972 |
| Cash dividends to net income (ytd only)* | 47.7454% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9411% | 5,138 |
| Loan loss allowance to noncurrent loans | 179.5455% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 4,605 |
| Noncurrent loans to loans | 0.5242% | 3,886 |
| Net loans and leases to total assets | 60.0845% | 3,827 |
| Net loans and leases to deposits | 68.2823% | 4,111 |
| Net loans and leases to core deposits | 69.9878% | 4,328 |
| Total domestic deposits to total assets | 87.9943% | 1,657 |
| Equity capital to assets | 9.7296% | 4,371 |
| Core capital (leverage) ratio | 8.8947% | 5,102 |
| Tier 1 risk-based capital ratio | 13.6945% | 4,101 |
| Total risk-based capital ratio | 14.5333% | 4,286 |
| Memoranda: | ||
| Average total assets | $56,878,330 | 5,519 |
| Average earning assets | $54,607,000 | 5,448 |
| Average equity | $5,406,330 | 5,681 |
| Average total loans | $33,334,330 | 5,353 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6594% | 4,502 |
| Cost of funding earning assets | 0.3616% | 3,734 |
| Net interest margin | 3.2978% | 4,229 |
| Noninterest income to average assets | 0.2498% | 5,170 |
| Noninterest expense to average assets | 2.8869% | 2,950 |
| Loan and lease loss provision to assets | -1.5267% | 6,398 |
| Net operating income to assets | 1.9642% | 358 |
| Return on assets (ROA) | 1.9709% | 376 |
| Pretax return on assets | 2.0611% | 530 |
| Return on Equity (ROE) | 20.9730% | 233 |
| Retained earnings to average equity (ytd only) | 7.6802% | 1,693 |
| Net charge-offs to loans | -3.0952% | 6,369 |
| Credit loss provision to net charge-offs | 85.6031% | 1,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5528% | 1,312 |
| Assets per employee ($millions) | 4.1624% | 3,632 |
| Cash dividends to net income (ytd only)* | 63.3803% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 4,859 |
| Loan loss allowance to noncurrent loans | 198.2143% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.2883% | 4,808 |
| Noncurrent loans to loans | 0.5204% | 4,013 |
| Net loans and leases to total assets | 54.8316% | 4,337 |
| Net loans and leases to deposits | 62.0150% | 4,567 |
| Net loans and leases to core deposits | 63.4774% | 4,744 |
| Total domestic deposits to total assets | 88.4166% | 1,589 |
| Equity capital to assets | 9.4503% | 4,803 |
| Core capital (leverage) ratio | 8.7744% | 5,232 |
| Tier 1 risk-based capital ratio | 13.6566% | 4,245 |
| Total risk-based capital ratio | 14.5540% | 4,346 |
| Memoranda: | ||
| Average total assets | $57,639,000 | 5,551 |
| Average earning assets | $55,309,500 | 5,483 |
| Average equity | $5,416,500 | 5,731 |
| Average total loans | $33,213,000 | 5,397 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8259% | 4,409 |
| Cost of funding earning assets | 0.3618% | 4,121 |
| Net interest margin | 3.4640% | 3,927 |
| Noninterest income to average assets | 0.2881% | 5,058 |
| Noninterest expense to average assets | 2.5931% | 4,248 |
| Loan and lease loss provision to assets | 0.0636% | 3,243 |
| Net operating income to assets | 0.9212% | 2,771 |
| Return on assets (ROA) | 0.9262% | 2,834 |
| Pretax return on assets | 0.9704% | 3,612 |
| Return on Equity (ROE) | 10.4370% | 1,936 |
| Retained earnings to average equity (ytd only) | 4.4616% | 3,001 |
| Net charge-offs to loans | -0.0724% | 6,031 |
| Credit loss provision to net charge-offs | -156.5217% | 5,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5959% | 3,280 |
| Assets per employee ($millions) | 4.0718% | 3,780 |
| Cash dividends to net income (ytd only)* | 57.2519% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8670% | 5,580 |
| Loan loss allowance to noncurrent loans | 176.1905% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.2947% | 4,859 |
| Noncurrent loans to loans | 0.4921% | 4,183 |
| Net loans and leases to total assets | 59.3720% | 3,863 |
| Net loans and leases to deposits | 71.3909% | 3,748 |
| Net loans and leases to core deposits | 72.4360% | 4,080 |
| Total domestic deposits to total assets | 83.1646% | 4,016 |
| Equity capital to assets | 9.3430% | 4,919 |
| Core capital (leverage) ratio | 8.6797% | 5,364 |
| Tier 1 risk-based capital ratio | 13.3914% | 4,471 |
| Total risk-based capital ratio | 14.1903% | 4,679 |
| Memoranda: | ||
| Average total assets | $56,573,000 | 5,638 |
| Average earning assets | $54,445,200 | 5,560 |
| Average equity | $5,020,600 | 5,850 |
| Average total loans | $31,754,200 | 5,494 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7711% | 4,653 |
| Cost of funding earning assets | 0.3629% | 4,204 |
| Net interest margin | 3.4082% | 4,205 |
| Noninterest income to average assets | 0.2527% | 5,411 |
| Noninterest expense to average assets | 2.5337% | 4,419 |
| Loan and lease loss provision to assets | 0.0638% | 3,073 |
| Net operating income to assets | 0.8949% | 2,935 |
| Return on assets (ROA) | 0.8949% | 3,033 |
| Pretax return on assets | 0.9374% | 3,832 |
| Return on Equity (ROE) | 10.2204% | 2,107 |
| Retained earnings to average equity (ytd only) | 7.5237% | 1,572 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6767% | 3,239 |
| Assets per employee ($millions) | 4.4969% | 2,977 |
| Cash dividends to net income (ytd only)* | 26.3853% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7707% | 5,949 |
| Loan loss allowance to noncurrent loans | 154.3860% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 5,097 |
| Noncurrent loans to loans | 0.4992% | 4,428 |
| Net loans and leases to total assets | 58.1457% | 4,049 |
| Net loans and leases to deposits | 74.3352% | 3,396 |
| Net loans and leases to core deposits | 75.4573% | 3,809 |
| Total domestic deposits to total assets | 78.2210% | 5,484 |
| Equity capital to assets | 9.1567% | 5,204 |
| Core capital (leverage) ratio | 8.7382% | 5,399 |
| Tier 1 risk-based capital ratio | 13.3021% | 4,670 |
| Total risk-based capital ratio | 14.0027% | 4,917 |
| Memoranda: | ||
| Average total assets | $56,465,000 | 5,704 |
| Average earning assets | $54,377,500 | 5,629 |
| Average equity | $4,944,250 | 5,927 |
| Average total loans | $31,157,500 | 5,578 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7079% | 4,838 |
| Cost of funding earning assets | 0.3499% | 4,439 |
| Net interest margin | 3.3579% | 4,363 |
| Noninterest income to average assets | 0.2509% | 5,401 |
| Noninterest expense to average assets | 2.6272% | 4,149 |
| Loan and lease loss provision to assets | 0.0645% | 2,978 |
| Net operating income to assets | 0.7563% | 3,537 |
| Return on assets (ROA) | 0.7563% | 3,639 |
| Pretax return on assets | 0.7921% | 4,305 |
| Return on Equity (ROE) | 8.7770% | 2,706 |
| Retained earnings to average equity (ytd only) | 4.6173% | 3,218 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4115% | 2,744 |
| Assets per employee ($millions) | 4.3318% | 3,209 |
| Cash dividends to net income (ytd only)* | 47.3934% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7932% | 5,995 |
| Loan loss allowance to noncurrent loans | 149.1228% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.3037% | 5,152 |
| Noncurrent loans to loans | 0.5319% | 4,417 |
| Net loans and leases to total assets | 56.6378% | 4,171 |
| Net loans and leases to deposits | 67.0641% | 4,156 |
| Net loans and leases to core deposits | 68.0369% | 4,463 |
| Total domestic deposits to total assets | 84.4532% | 3,747 |
| Equity capital to assets | 9.0404% | 5,257 |
| Core capital (leverage) ratio | 8.7645% | 5,316 |
| Tier 1 risk-based capital ratio | 13.5179% | 4,563 |
| Total risk-based capital ratio | 14.2295% | 4,864 |
| Memoranda: | ||
| Average total assets | $55,800,000 | 5,768 |
| Average earning assets | $53,723,330 | 5,695 |
| Average equity | $4,808,000 | 6,006 |
| Average total loans | $30,124,670 | 5,654 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6958% | 4,861 |
| Cost of funding earning assets | 0.3516% | 4,524 |
| Net interest margin | 3.3442% | 4,355 |
| Noninterest income to average assets | 0.2233% | 5,568 |
| Noninterest expense to average assets | 2.6934% | 3,947 |
| Loan and lease loss provision to assets | 0.0648% | 2,830 |
| Net operating income to assets | 0.6553% | 3,922 |
| Return on assets (ROA) | 0.6553% | 4,020 |
| Pretax return on assets | 0.6842% | 4,542 |
| Return on Equity (ROE) | 7.8003% | 3,044 |
| Retained earnings to average equity (ytd only) | 7.8003% | 1,684 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2427% | 2,444 |
| Assets per employee ($millions) | 4.2854% | 3,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8611% | 5,979 |
| Loan loss allowance to noncurrent loans | 143.8596% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.3069% | 5,234 |
| Noncurrent loans to loans | 0.5986% | 4,362 |
| Net loans and leases to total assets | 50.8365% | 4,814 |
| Net loans and leases to deposits | 56.1156% | 5,107 |
| Net loans and leases to core deposits | 56.8820% | 5,287 |
| Total domestic deposits to total assets | 90.5924% | 745 |
| Equity capital to assets | 8.6807% | 5,458 |
| Core capital (leverage) ratio | 8.5070% | 5,631 |
| Tier 1 risk-based capital ratio | 14.7997% | 3,814 |
| Total risk-based capital ratio | 15.5546% | 4,077 |
| Memoranda: | ||
| Average total assets | $55,543,000 | 5,829 |
| Average earning assets | $53,465,500 | 5,748 |
| Average equity | $4,666,500 | 6,077 |
| Average total loans | $29,112,000 | 5,743 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5785% | 5,460 |
| Cost of funding earning assets | 0.3899% | 4,756 |
| Net interest margin | 3.1886% | 5,037 |
| Noninterest income to average assets | 0.3035% | 5,172 |
| Noninterest expense to average assets | 2.6763% | 4,189 |
| Loan and lease loss provision to assets | -0.0557% | 6,400 |
| Net operating income to assets | 0.7049% | 3,777 |
| Return on assets (ROA) | 0.7203% | 3,785 |
| Pretax return on assets | 0.7544% | 4,321 |
| Return on Equity (ROE) | 8.5625% | 2,751 |
| Retained earnings to average equity (ytd only) | 3.7581% | 3,536 |
| Net charge-offs to loans | -0.0104% | 6,022 |
| Credit loss provision to net charge-offs | 1,033.3333% | 248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6791% | 2,207 |
| Assets per employee ($millions) | 3.9554% | 3,957 |
| Cash dividends to net income (ytd only)* | 56.1097% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7991% | 6,182 |
| Loan loss allowance to noncurrent loans | 138.5965% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 5,336 |
| Noncurrent loans to loans | 0.5766% | 4,541 |
| Net loans and leases to total assets | 53.1277% | 4,707 |
| Net loans and leases to deposits | 58.3175% | 5,097 |
| Net loans and leases to core deposits | 59.1107% | 5,294 |
| Total domestic deposits to total assets | 91.1008% | 533 |
| Equity capital to assets | 8.1208% | 5,923 |
| Core capital (leverage) ratio | 8.4661% | 5,708 |
| Tier 1 risk-based capital ratio | 14.4677% | 3,974 |
| Total risk-based capital ratio | 15.1924% | 4,272 |
| Memoranda: | ||
| Average total assets | $55,674,800 | 5,884 |
| Average earning assets | $53,346,000 | 5,793 |
| Average equity | $4,683,200 | 6,144 |
| Average total loans | $28,938,200 | 5,809 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5297% | 5,616 |
| Cost of funding earning assets | 0.3952% | 4,859 |
| Net interest margin | 3.1344% | 5,217 |
| Noninterest income to average assets | 0.2798% | 5,444 |
| Noninterest expense to average assets | 2.5805% | 4,458 |
| Loan and lease loss provision to assets | 0.0215% | 4,572 |
| Net operating income to assets | 0.6442% | 4,154 |
| Return on assets (ROA) | 0.6649% | 4,178 |
| Pretax return on assets | 0.6960% | 4,705 |
| Return on Equity (ROE) | 7.8368% | 3,207 |
| Retained earnings to average equity (ytd only) | 5.0178% | 3,070 |
| Net charge-offs to loans | 0.1993% | 2,641 |
| Credit loss provision to net charge-offs | 20.9302% | 4,060 |
| Earnings coverage of net charge-offs (x) | 6.7677% | 2,910 |
| Efficiency ratio | 78.7591% | 2,299 |
| Assets per employee ($millions) | 3.8426% | 4,142 |
| Cash dividends to net income (ytd only)* | 35.9710% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7477% | 6,376 |
| Loan loss allowance to noncurrent loans | 135.0877% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 5,457 |
| Noncurrent loans to loans | 0.5535% | 4,814 |
| Net loans and leases to total assets | 56.9995% | 4,168 |
| Net loans and leases to deposits | 62.8258% | 4,651 |
| Net loans and leases to core deposits | 63.7095% | 4,926 |
| Total domestic deposits to total assets | 90.7262% | 641 |
| Equity capital to assets | 8.4707% | 5,765 |
| Core capital (leverage) ratio | 8.8209% | 5,383 |
| Tier 1 risk-based capital ratio | 13.7832% | 4,580 |
| Total risk-based capital ratio | 14.4561% | 4,922 |
| Memoranda: | ||
| Average total assets | $55,749,500 | 5,948 |
| Average earning assets | $53,298,750 | 5,848 |
| Average equity | $4,729,750 | 6,216 |
| Average total loans | $28,758,500 | 5,878 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3834% | 5,942 |
| Cost of funding earning assets | 0.3928% | 5,004 |
| Net interest margin | 2.9906% | 5,582 |
| Noninterest income to average assets | 0.2624% | 5,583 |
| Noninterest expense to average assets | 2.5425% | 4,585 |
| Loan and lease loss provision to assets | 0.0319% | 4,292 |
| Net operating income to assets | 0.5261% | 4,685 |
| Return on assets (ROA) | 0.5567% | 4,694 |
| Pretax return on assets | 0.5816% | 5,090 |
| Return on Equity (ROE) | 6.5590% | 3,848 |
| Retained earnings to average equity (ytd only) | 6.5590% | 2,116 |
| Net charge-offs to loans | -0.0784% | 6,425 |
| Credit loss provision to net charge-offs | -81.8182% | 5,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3848% | 1,979 |
| Assets per employee ($millions) | 3.9115% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 5,755 |
| Loan loss allowance to noncurrent loans | 86.3636% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 0.6026% | 4,739 |
| Noncurrent loans to loans | 1.1763% | 3,592 |
| Net loans and leases to total assets | 50.7094% | 5,032 |
| Net loans and leases to deposits | 55.5147% | 5,387 |
| Net loans and leases to core deposits | 56.2718% | 5,575 |
| Total domestic deposits to total assets | 91.3442% | 429 |
| Equity capital to assets | 7.9199% | 6,253 |
| Core capital (leverage) ratio | 8.3550% | 5,818 |
| Tier 1 risk-based capital ratio | 14.6423% | 4,005 |
| Total risk-based capital ratio | 15.5266% | 4,194 |
| Memoranda: | ||
| Average total assets | $56,400,330 | 5,963 |
| Average earning assets | $53,969,670 | 5,862 |
| Average equity | $4,787,330 | 6,244 |
| Average total loans | $28,046,330 | 5,934 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3230% | 6,108 |
| Cost of funding earning assets | 0.3879% | 5,215 |
| Net interest margin | 2.9351% | 5,744 |
| Noninterest income to average assets | 0.2726% | 5,499 |
| Noninterest expense to average assets | 2.5795% | 4,475 |
| Loan and lease loss provision to assets | 0.0629% | 3,585 |
| Net operating income to assets | 0.4029% | 5,121 |
| Return on assets (ROA) | 0.4614% | 5,027 |
| Pretax return on assets | 0.4963% | 5,273 |
| Return on Equity (ROE) | 5.2668% | 4,420 |
| Retained earnings to average equity (ytd only) | 5.2668% | 3,073 |
| Net charge-offs to loans | -0.0285% | 5,876 |
| Credit loss provision to net charge-offs | -450.0000% | 5,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8636% | 1,786 |
| Assets per employee ($millions) | 4.1736% | 3,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 5,935 |
| Loan loss allowance to noncurrent loans | 70.4082% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 1.0645% | 3,804 |
| Noncurrent loans to loans | 1.4418% | 3,404 |
| Net loans and leases to total assets | 46.0595% | 5,433 |
| Net loans and leases to deposits | 50.7515% | 5,730 |
| Net loans and leases to core deposits | 51.8855% | 5,832 |
| Total domestic deposits to total assets | 90.7549% | 640 |
| Equity capital to assets | 8.5366% | 5,984 |
| Core capital (leverage) ratio | 8.1209% | 6,026 |
| Tier 1 risk-based capital ratio | 14.4219% | 4,230 |
| Total risk-based capital ratio | 15.2820% | 4,444 |
| Memoranda: | ||
| Average total assets | $57,220,000 | 5,987 |
| Average earning assets | $54,649,500 | 5,888 |
| Average equity | $5,012,500 | 6,240 |
| Average total loans | $28,042,500 | 5,985 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1122% | 4,901 |
| Cost of funding earning assets | 0.5143% | 5,121 |
| Net interest margin | 3.5979% | 4,091 |
| Noninterest income to average assets | 0.2667% | 5,551 |
| Noninterest expense to average assets | 2.9094% | 3,598 |
| Loan and lease loss provision to assets | 0.1296% | 3,995 |
| Net operating income to assets | 0.6238% | 4,118 |
| Return on assets (ROA) | 0.6954% | 4,019 |
| Pretax return on assets | 0.7431% | 4,503 |
| Return on Equity (ROE) | 7.3482% | 3,438 |
| Retained earnings to average equity (ytd only) | 3.3218% | 3,887 |
| Net charge-offs to loans | 0.5110% | 2,201 |
| Credit loss provision to net charge-offs | 46.5753% | 4,770 |
| Earnings coverage of net charge-offs (x) | 2.8630% | 4,002 |
| Efficiency ratio | 78.5090% | 2,361 |
| Assets per employee ($millions) | 4.0006% | 3,947 |
| Cash dividends to net income (ytd only)* | 54.7945% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9171% | 6,228 |
| Loan loss allowance to noncurrent loans | 67.4300% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 1.1945% | 3,669 |
| Noncurrent loans to loans | 1.3600% | 3,559 |
| Net loans and leases to total assets | 51.1186% | 5,018 |
| Net loans and leases to deposits | 57.6100% | 5,283 |
| Net loans and leases to core deposits | 58.4569% | 5,501 |
| Total domestic deposits to total assets | 88.7322% | 1,746 |
| Equity capital to assets | 8.9932% | 5,531 |
| Core capital (leverage) ratio | 8.7362% | 5,268 |
| Tier 1 risk-based capital ratio | 14.1694% | 4,267 |
| Total risk-based capital ratio | 14.9928% | 4,526 |
| Memoranda: | ||
| Average total assets | $52,484,200 | 6,137 |
| Average earning assets | $50,167,600 | 6,044 |
| Average equity | $4,967,200 | 6,297 |
| Average total loans | $28,569,600 | 6,018 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 4,887 |
| Cost of funding earning assets | 0.5434% | 5,141 |
| Net interest margin | 3.6366% | 4,075 |
| Noninterest income to average assets | 0.2480% | 5,785 |
| Noninterest expense to average assets | 2.8447% | 3,824 |
| Loan and lease loss provision to assets | 0.1757% | 3,379 |
| Net operating income to assets | 0.6564% | 4,108 |
| Return on assets (ROA) | 0.6924% | 4,206 |
| Pretax return on assets | 0.7415% | 4,701 |
| Return on Equity (ROE) | 7.2190% | 3,684 |
| Retained earnings to average equity (ytd only) | 1.8316% | 5,419 |
| Net charge-offs to loans | 0.6786% | 1,627 |
| Credit loss provision to net charge-offs | 46.8966% | 4,471 |
| Earnings coverage of net charge-offs (x) | 2.3448% | 4,107 |
| Efficiency ratio | 76.4053% | 2,609 |
| Assets per employee ($millions) | 3.5679% | 4,810 |
| Cash dividends to net income (ytd only)* | 74.6278% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9203% | 6,323 |
| Loan loss allowance to noncurrent loans | 46.9136% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 1.2463% | 3,806 |
| Noncurrent loans to loans | 1.9617% | 2,880 |
| Net loans and leases to total assets | 53.5100% | 4,821 |
| Net loans and leases to deposits | 59.8358% | 5,232 |
| Net loans and leases to core deposits | 60.7497% | 5,482 |
| Total domestic deposits to total assets | 89.4281% | 1,174 |
| Equity capital to assets | 9.5275% | 5,165 |
| Core capital (leverage) ratio | 8.7026% | 5,473 |
| Tier 1 risk-based capital ratio | 13.8934% | 4,613 |
| Total risk-based capital ratio | 14.7181% | 4,858 |
| Memoranda: | ||
| Average total assets | $51,603,000 | 6,232 |
| Average earning assets | $49,312,750 | 6,145 |
| Average equity | $4,949,750 | 6,372 |
| Average total loans | $28,488,000 | 6,089 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2078% | 4,923 |
| Cost of funding earning assets | 0.5583% | 5,244 |
| Net interest margin | 3.6495% | 4,042 |
| Noninterest income to average assets | 0.2551% | 5,754 |
| Noninterest expense to average assets | 2.8726% | 3,734 |
| Loan and lease loss provision to assets | 0.1766% | 3,334 |
| Net operating income to assets | 0.6510% | 4,107 |
| Return on assets (ROA) | 0.7064% | 4,096 |
| Pretax return on assets | 0.7535% | 4,635 |
| Return on Equity (ROE) | 7.3469% | 3,590 |
| Retained earnings to average equity (ytd only) | -0.8163% | 6,182 |
| Net charge-offs to loans | -0.0212% | 6,439 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7296% | 2,630 |
| Assets per employee ($millions) | 3.6732% | 4,584 |
| Cash dividends to net income (ytd only)* | 111.1111% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 4,608 |
| Loan loss allowance to noncurrent loans | 37.5962% | 5,779 |
| Noncurrent assets plus other real estate owned to assets | 2.2168% | 2,524 |
| Noncurrent loans to loans | 3.6212% | 1,582 |
| Net loans and leases to total assets | 55.0880% | 4,613 |
| Net loans and leases to deposits | 63.0051% | 4,880 |
| Net loans and leases to core deposits | 64.0232% | 5,206 |
| Total domestic deposits to total assets | 87.4341% | 2,511 |
| Equity capital to assets | 9.5615% | 4,965 |
| Core capital (leverage) ratio | 8.3426% | 5,856 |
| Tier 1 risk-based capital ratio | 13.9407% | 4,487 |
| Total risk-based capital ratio | 15.1799% | 4,472 |
| Memoranda: | ||
| Average total assets | $50,964,330 | 6,292 |
| Average earning assets | $48,719,000 | 6,208 |
| Average equity | $4,900,000 | 6,415 |
| Average total loans | $28,349,330 | 6,136 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3423% | 4,553 |
| Cost of funding earning assets | 0.5850% | 5,249 |
| Net interest margin | 3.7573% | 3,573 |
| Noninterest income to average assets | 0.2365% | 5,940 |
| Noninterest expense to average assets | 2.8699% | 3,746 |
| Loan and lease loss provision to assets | 0.1813% | 3,161 |
| Net operating income to assets | 0.7332% | 3,721 |
| Return on assets (ROA) | 0.7332% | 3,955 |
| Pretax return on assets | 0.7805% | 4,489 |
| Return on Equity (ROE) | 7.6050% | 3,446 |
| Retained earnings to average equity (ytd only) | -8.7499% | 6,803 |
| Net charge-offs to loans | -0.0284% | 6,325 |
| Credit loss provision to net charge-offs | -1,150.0000% | 5,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8971% | 2,958 |
| Assets per employee ($millions) | 3.7376% | 4,568 |
| Cash dividends to net income (ytd only)* | 215.0538% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3964% | 4,630 |
| Loan loss allowance to noncurrent loans | 35.3506% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 2.1806% | 2,709 |
| Noncurrent loans to loans | 3.9502% | 1,560 |
| Net loans and leases to total assets | 49.6598% | 5,355 |
| Net loans and leases to deposits | 55.3225% | 5,672 |
| Net loans and leases to core deposits | 56.1777% | 5,890 |
| Total domestic deposits to total assets | 89.7642% | 1,213 |
| Equity capital to assets | 9.2210% | 5,204 |
| Core capital (leverage) ratio | 8.3256% | 5,834 |
| Tier 1 risk-based capital ratio | 14.1692% | 4,343 |
| Total risk-based capital ratio | 15.3750% | 4,345 |
| Memoranda: | ||
| Average total assets | $50,734,000 | 6,345 |
| Average earning assets | $48,546,000 | 6,259 |
| Average equity | $4,891,500 | 6,456 |
| Average total loans | $28,164,000 | 6,194 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5959% | 4,693 |
| Cost of funding earning assets | 0.7139% | 5,443 |
| Net interest margin | 3.8820% | 3,418 |
| Noninterest income to average assets | 0.2609% | 5,672 |
| Noninterest expense to average assets | 2.9661% | 3,722 |
| Loan and lease loss provision to assets | 0.2157% | 4,040 |
| Net operating income to assets | 0.7045% | 3,465 |
| Return on assets (ROA) | 0.7045% | 3,649 |
| Pretax return on assets | 0.7538% | 4,140 |
| Return on Equity (ROE) | 7.5249% | 3,136 |
| Retained earnings to average equity (ytd only) | 7.5249% | 1,268 |
| Net charge-offs to loans | 0.7660% | 2,245 |
| Credit loss provision to net charge-offs | 46.4602% | 5,504 |
| Earnings coverage of net charge-offs (x) | 2.0885% | 4,210 |
| Efficiency ratio | 75.3653% | 2,997 |
| Assets per employee ($millions) | 3.5101% | 4,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 5,649 |
| Loan loss allowance to noncurrent loans | 32.9175% | 6,015 |
| Noncurrent assets plus other real estate owned to assets | 2.3483% | 2,578 |
| Noncurrent loans to loans | 3.4762% | 1,842 |
| Net loans and leases to total assets | 60.2987% | 3,933 |
| Net loans and leases to deposits | 67.8932% | 4,459 |
| Net loans and leases to core deposits | 68.5212% | 4,967 |
| Total domestic deposits to total assets | 88.8140% | 1,654 |
| Equity capital to assets | 10.0891% | 4,048 |
| Core capital (leverage) ratio | 9.1162% | 4,589 |
| Tier 1 risk-based capital ratio | 13.4841% | 4,705 |
| Total risk-based capital ratio | 14.5279% | 4,836 |
| Memoranda: | ||
| Average total assets | $48,683,800 | 6,402 |
| Average earning assets | $46,084,400 | 6,326 |
| Average equity | $4,558,200 | 6,574 |
| Average total loans | $29,502,800 | 6,181 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5993% | 4,865 |
| Cost of funding earning assets | 0.7559% | 5,430 |
| Net interest margin | 3.8434% | 3,649 |
| Noninterest income to average assets | 0.2608% | 5,755 |
| Noninterest expense to average assets | 2.9648% | 3,689 |
| Loan and lease loss provision to assets | 0.2278% | 3,733 |
| Net operating income to assets | 0.6479% | 3,881 |
| Return on assets (ROA) | 0.6479% | 4,059 |
| Pretax return on assets | 0.6973% | 4,488 |
| Return on Equity (ROE) | 7.0579% | 3,503 |
| Retained earnings to average equity (ytd only) | 7.0579% | 1,939 |
| Net charge-offs to loans | 0.9846% | 1,640 |
| Credit loss provision to net charge-offs | 38.2488% | 5,281 |
| Earnings coverage of net charge-offs (x) | 1.5530% | 4,473 |
| Efficiency ratio | 76.2174% | 2,812 |
| Assets per employee ($millions) | 3.3982% | 5,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 5,594 |
| Loan loss allowance to noncurrent loans | 31.3093% | 6,185 |
| Noncurrent assets plus other real estate owned to assets | 2.4509% | 2,627 |
| Noncurrent loans to loans | 3.7349% | 1,820 |
| Net loans and leases to total assets | 58.6232% | 4,391 |
| Net loans and leases to deposits | 67.2145% | 4,734 |
| Net loans and leases to core deposits | 67.8688% | 5,193 |
| Total domestic deposits to total assets | 87.2181% | 2,521 |
| Equity capital to assets | 10.1797% | 4,117 |
| Core capital (leverage) ratio | 8.9872% | 4,956 |
| Tier 1 risk-based capital ratio | 13.9232% | 4,407 |
| Total risk-based capital ratio | 14.9860% | 4,508 |
| Memoranda: | ||
| Average total assets | $48,569,250 | 6,468 |
| Average earning assets | $45,860,500 | 6,392 |
| Average equity | $4,458,250 | 6,659 |
| Average total loans | $29,384,750 | 6,246 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5789% | 5,057 |
| Cost of funding earning assets | 0.7769% | 5,528 |
| Net interest margin | 3.8020% | 3,773 |
| Noninterest income to average assets | 0.2495% | 5,864 |
| Noninterest expense to average assets | 3.0020% | 3,632 |
| Loan and lease loss provision to assets | 0.2454% | 3,452 |
| Net operating income to assets | 0.5440% | 4,327 |
| Return on assets (ROA) | 0.5440% | 4,465 |
| Pretax return on assets | 0.5849% | 4,792 |
| Return on Equity (ROE) | 6.1432% | 3,889 |
| Retained earnings to average equity (ytd only) | 6.1432% | 2,333 |
| Net charge-offs to loans | 1.4375% | 1,045 |
| Credit loss provision to net charge-offs | 28.0374% | 5,019 |
| Earnings coverage of net charge-offs (x) | 0.9486% | 4,592 |
| Efficiency ratio | 78.3351% | 2,661 |
| Assets per employee ($millions) | 3.4527% | 5,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 5,863 |
| Loan loss allowance to noncurrent loans | 29.0262% | 6,318 |
| Noncurrent assets plus other real estate owned to assets | 2.4411% | 2,721 |
| Noncurrent loans to loans | 3.8651% | 1,798 |
| Net loans and leases to total assets | 56.5228% | 4,896 |
| Net loans and leases to deposits | 64.8240% | 5,174 |
| Net loans and leases to core deposits | 65.5000% | 5,565 |
| Total domestic deposits to total assets | 87.1943% | 2,626 |
| Equity capital to assets | 9.5515% | 4,734 |
| Core capital (leverage) ratio | 8.4620% | 5,609 |
| Tier 1 risk-based capital ratio | 13.8872% | 4,246 |
| Total risk-based capital ratio | 14.9071% | 4,390 |
| Memoranda: | ||
| Average total assets | $48,900,670 | 6,513 |
| Average earning assets | $46,081,000 | 6,440 |
| Average equity | $4,330,000 | 6,739 |
| Average total loans | $29,773,000 | 6,293 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6146% | 4,885 |
| Cost of funding earning assets | 0.7995% | 5,580 |
| Net interest margin | 3.8151% | 3,539 |
| Noninterest income to average assets | 0.2440% | 5,950 |
| Noninterest expense to average assets | 2.9930% | 3,676 |
| Loan and lease loss provision to assets | 0.3091% | 2,696 |
| Net operating income to assets | 0.4799% | 4,575 |
| Return on assets (ROA) | 0.4799% | 4,653 |
| Pretax return on assets | 0.5124% | 4,986 |
| Return on Equity (ROE) | 5.6372% | 4,098 |
| Retained earnings to average equity (ytd only) | 5.6372% | 2,832 |
| Net charge-offs to loans | 0.9078% | 1,465 |
| Credit loss provision to net charge-offs | 54.2857% | 3,667 |
| Earnings coverage of net charge-offs (x) | 1.4429% | 3,628 |
| Efficiency ratio | 78.4648% | 2,776 |
| Assets per employee ($millions) | 3.6304% | 4,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4822% | 4,292 |
| Loan loss allowance to noncurrent loans | 78.5455% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.3025% | 4,363 |
| Noncurrent loans to loans | 1.8871% | 3,716 |
| Net loans and leases to total assets | 56.4958% | 4,911 |
| Net loans and leases to deposits | 63.8515% | 5,270 |
| Net loans and leases to core deposits | 64.4751% | 5,680 |
| Total domestic deposits to total assets | 88.4801% | 2,092 |
| Equity capital to assets | 8.4899% | 5,921 |
| Core capital (leverage) ratio | 8.1261% | 6,086 |
| Tier 1 risk-based capital ratio | 12.9030% | 4,894 |
| Total risk-based capital ratio | 14.1541% | 4,883 |
| Memoranda: | ||
| Average total assets | $49,182,000 | 6,552 |
| Average earning assets | $46,028,000 | 6,489 |
| Average equity | $4,186,500 | 6,814 |
| Average total loans | $30,843,500 | 6,298 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1379% | 3,915 |
| Cost of funding earning assets | 1.2804% | 4,016 |
| Net interest margin | 3.8575% | 3,701 |
| Noninterest income to average assets | 0.2702% | 5,854 |
| Noninterest expense to average assets | 3.3552% | 2,567 |
| Loan and lease loss provision to assets | 1.2234% | 1,278 |
| Net operating income to assets | -0.7039% | 6,519 |
| Return on assets (ROA) | -0.6319% | 6,499 |
| Pretax return on assets | -0.6744% | 6,441 |
| Return on Equity (ROE) | -7.2379% | 6,567 |
| Retained earnings to average equity (ytd only) | -7.2379% | 6,473 |
| Net charge-offs to loans | 1.8941% | 1,088 |
| Credit loss provision to net charge-offs | 93.9542% | 4,947 |
| Earnings coverage of net charge-offs (x) | 0.3627% | 5,742 |
| Efficiency ratio | 87.6598% | 1,506 |
| Assets per employee ($millions) | 3.3956% | 5,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4259% | 4,396 |
| Loan loss allowance to noncurrent loans | 73.3017% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.5671% | 3,952 |
| Noncurrent loans to loans | 1.9452% | 3,640 |
| Net loans and leases to total assets | 67.4751% | 3,107 |
| Net loans and leases to deposits | 76.5159% | 3,762 |
| Net loans and leases to core deposits | 77.3182% | 4,548 |
| Total domestic deposits to total assets | 88.1844% | 2,130 |
| Equity capital to assets | 8.5361% | 5,806 |
| Core capital (leverage) ratio | 8.1271% | 5,951 |
| Tier 1 risk-based capital ratio | 11.0163% | 6,312 |
| Total risk-based capital ratio | 12.2666% | 6,285 |
| Memoranda: | ||
| Average total assets | $47,002,000 | 6,637 |
| Average earning assets | $43,344,400 | 6,605 |
| Average equity | $4,103,400 | 6,959 |
| Average total loans | $32,311,200 | 6,299 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0960% | 4,341 |
| Cost of funding earning assets | 1.3441% | 3,946 |
| Net interest margin | 3.7519% | 4,180 |
| Noninterest income to average assets | 0.2617% | 6,026 |
| Noninterest expense to average assets | 2.9700% | 3,858 |
| Loan and lease loss provision to assets | 1.4338% | 940 |
| Net operating income to assets | -0.6329% | 6,685 |
| Return on assets (ROA) | -0.5377% | 6,673 |
| Pretax return on assets | -0.5775% | 6,602 |
| Return on Equity (ROE) | -6.1241% | 6,729 |
| Retained earnings to average equity (ytd only) | -6.1241% | 6,647 |
| Net charge-offs to loans | 2.2074% | 814 |
| Credit loss provision to net charge-offs | 94.3820% | 4,592 |
| Earnings coverage of net charge-offs (x) | 0.4962% | 5,527 |
| Efficiency ratio | 79.7555% | 2,375 |
| Assets per employee ($millions) | 3.2934% | 5,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4929% | 3,998 |
| Loan loss allowance to noncurrent loans | 43.8140% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 2.8759% | 2,524 |
| Noncurrent loans to loans | 3.4073% | 2,331 |
| Net loans and leases to total assets | 67.4048% | 3,350 |
| Net loans and leases to deposits | 77.1153% | 3,992 |
| Net loans and leases to core deposits | 78.5478% | 4,732 |
| Total domestic deposits to total assets | 87.4078% | 2,314 |
| Equity capital to assets | 9.1329% | 5,405 |
| Core capital (leverage) ratio | 8.1627% | 6,095 |
| Tier 1 risk-based capital ratio | 11.1054% | 6,276 |
| Total risk-based capital ratio | 12.3571% | 6,274 |
| Memoranda: | ||
| Average total assets | $46,867,750 | 6,721 |
| Average earning assets | $43,248,750 | 6,688 |
| Average equity | $4,114,750 | 7,044 |
| Average total loans | $32,253,750 | 6,384 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9651% | 5,108 |
| Cost of funding earning assets | 1.3600% | 4,124 |
| Net interest margin | 3.6051% | 4,788 |
| Noninterest income to average assets | 0.2589% | 6,066 |
| Noninterest expense to average assets | 2.9881% | 3,752 |
| Loan and lease loss provision to assets | 1.1672% | 1,216 |
| Net operating income to assets | -0.5348% | 6,681 |
| Return on assets (ROA) | -0.5348% | 6,716 |
| Pretax return on assets | -0.5772% | 6,645 |
| Return on Equity (ROE) | -6.1724% | 6,782 |
| Retained earnings to average equity (ytd only) | -6.1724% | 6,670 |
| Net charge-offs to loans | 0.0923% | 5,209 |
| Credit loss provision to net charge-offs | 1,833.3333% | 219 |
| Earnings coverage of net charge-offs (x) | 9.2667% | 2,040 |
| Efficiency ratio | 83.5113% | 1,979 |
| Assets per employee ($millions) | 3.3624% | 5,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2801% | 1,623 |
| Loan loss allowance to noncurrent loans | 43.5604% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 4.2444% | 1,581 |
| Noncurrent loans to loans | 5.2343% | 1,299 |
| Net loans and leases to total assets | 69.2845% | 3,068 |
| Net loans and leases to deposits | 80.1962% | 3,568 |
| Net loans and leases to core deposits | 81.6498% | 4,467 |
| Total domestic deposits to total assets | 86.3938% | 2,870 |
| Equity capital to assets | 8.9561% | 5,512 |
| Core capital (leverage) ratio | 8.3931% | 5,590 |
| Tier 1 risk-based capital ratio | 10.8745% | 6,380 |
| Total risk-based capital ratio | 12.1356% | 6,350 |
| Memoranda: | ||
| Average total assets | $47,121,000 | 6,761 |
| Average earning assets | $43,383,000 | 6,725 |
| Average equity | $4,082,670 | 7,090 |
| Average total loans | $32,488,330 | 6,406 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8693% | 5,610 |
| Cost of funding earning assets | 1.3926% | 4,229 |
| Net interest margin | 3.4768% | 5,262 |
| Noninterest income to average assets | 0.2461% | 6,183 |
| Noninterest expense to average assets | 3.0035% | 3,672 |
| Loan and lease loss provision to assets | 2.2060% | 489 |
| Net operating income to assets | -1.6460% | 7,372 |
| Return on assets (ROA) | -1.6460% | 7,376 |
| Pretax return on assets | -1.7648% | 7,337 |
| Return on Equity (ROE) | -19.3227% | 7,426 |
| Retained earnings to average equity (ytd only) | -19.3227% | 7,356 |
| Net charge-offs to loans | 0.1748% | 3,876 |
| Credit loss provision to net charge-offs | 1,857.1429% | 277 |
| Earnings coverage of net charge-offs (x) | 3.7143% | 2,815 |
| Efficiency ratio | 87.1921% | 1,667 |
| Assets per employee ($millions) | 3.3167% | 5,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3524% | 1,492 |
| Loan loss allowance to noncurrent loans | 42.7101% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 4.3072% | 1,578 |
| Noncurrent loans to loans | 5.5078% | 1,270 |
| Net loans and leases to total assets | 66.7787% | 3,683 |
| Net loans and leases to deposits | 77.2747% | 4,170 |
| Net loans and leases to core deposits | 78.6925% | 4,934 |
| Total domestic deposits to total assets | 86.4173% | 2,936 |
| Equity capital to assets | 8.7824% | 5,582 |
| Core capital (leverage) ratio | 8.3616% | 5,623 |
| Tier 1 risk-based capital ratio | 10.9866% | 6,170 |
| Total risk-based capital ratio | 12.2459% | 6,130 |
| Memoranda: | ||
| Average total assets | $47,144,500 | 6,837 |
| Average earning assets | $43,373,500 | 6,800 |
| Average equity | $4,016,000 | 7,183 |
| Average total loans | $32,044,500 | 6,520 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4955% | 4,166 |
| Cost of funding earning assets | 1.6959% | 4,533 |
| Net interest margin | 3.7997% | 3,710 |
| Noninterest income to average assets | 0.2171% | 6,558 |
| Noninterest expense to average assets | 3.3621% | 2,800 |
| Loan and lease loss provision to assets | 0.9935% | 2,286 |
| Net operating income to assets | -0.5825% | 6,252 |
| Return on assets (ROA) | -0.5417% | 6,219 |
| Pretax return on assets | -0.5812% | 6,079 |
| Return on Equity (ROE) | -5.8832% | 6,293 |
| Retained earnings to average equity (ytd only) | -10.0514% | 6,524 |
| Net charge-offs to loans | 0.9150% | 2,561 |
| Credit loss provision to net charge-offs | 150.0000% | 3,093 |
| Earnings coverage of net charge-offs (x) | 0.5563% | 5,550 |
| Efficiency ratio | 90.1235% | 1,699 |
| Assets per employee ($millions) | 3.4182% | 5,214 |
| Cash dividends to net income (ytd only)* | -70.8502% | 7,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5495% | 3,482 |
| Loan loss allowance to noncurrent loans | 39.1712% | 5,799 |
| Noncurrent assets plus other real estate owned to assets | 3.1972% | 2,154 |
| Noncurrent loans to loans | 3.9556% | 1,870 |
| Net loans and leases to total assets | 66.5197% | 4,033 |
| Net loans and leases to deposits | 76.3913% | 4,670 |
| Net loans and leases to core deposits | 87.9243% | 5,340 |
| Total domestic deposits to total assets | 87.0776% | 2,458 |
| Equity capital to assets | 8.2625% | 6,259 |
| Core capital (leverage) ratio | 8.2426% | 5,743 |
| Tier 1 risk-based capital ratio | 10.3447% | 6,545 |
| Total risk-based capital ratio | 11.5968% | 6,513 |
| Memoranda: | ||
| Average total assets | $45,597,000 | 6,891 |
| Average earning assets | $42,161,600 | 6,858 |
| Average equity | $4,198,400 | 7,211 |
| Average total loans | $33,005,800 | 6,465 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5563% | 4,114 |
| Cost of funding earning assets | 1.7659% | 4,547 |
| Net interest margin | 3.7904% | 3,697 |
| Noninterest income to average assets | 0.2073% | 6,742 |
| Noninterest expense to average assets | 3.1058% | 3,633 |
| Loan and lease loss provision to assets | 0.8379% | 2,288 |
| Net operating income to assets | -0.2102% | 6,081 |
| Return on assets (ROA) | -0.1540% | 6,005 |
| Pretax return on assets | -0.1628% | 5,925 |
| Return on Equity (ROE) | -1.6277% | 6,040 |
| Retained earnings to average equity (ytd only) | -4.9144% | 6,245 |
| Net charge-offs to loans | 1.2138% | 1,679 |
| Credit loss provision to net charge-offs | 93.7086% | 5,387 |
| Earnings coverage of net charge-offs (x) | 0.6887% | 5,344 |
| Efficiency ratio | 83.4527% | 2,362 |
| Assets per employee ($millions) | 3.1569% | 5,766 |
| Cash dividends to net income (ytd only)* | -201.9328% | 8,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 6,203 |
| Loan loss allowance to noncurrent loans | 26.0835% | 6,718 |
| Noncurrent assets plus other real estate owned to assets | 3.6880% | 1,768 |
| Noncurrent loans to loans | 3.8835% | 1,904 |
| Net loans and leases to total assets | 73.1860% | 2,743 |
| Net loans and leases to deposits | 86.1389% | 3,290 |
| Net loans and leases to core deposits | 99.3702% | 4,441 |
| Total domestic deposits to total assets | 84.9628% | 3,256 |
| Equity capital to assets | 9.7405% | 4,434 |
| Core capital (leverage) ratio | 9.2274% | 4,298 |
| Tier 1 risk-based capital ratio | 11.1463% | 5,817 |
| Total risk-based capital ratio | 12.0572% | 6,113 |
| Memoranda: | ||
| Average total assets | $45,032,500 | 6,961 |
| Average earning assets | $41,753,500 | 6,924 |
| Average equity | $4,259,500 | 7,260 |
| Average total loans | $33,173,750 | 6,501 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4758% | 4,748 |
| Cost of funding earning assets | 1.8253% | 4,637 |
| Net interest margin | 3.6506% | 4,163 |
| Noninterest income to average assets | 0.2030% | 6,841 |
| Noninterest expense to average assets | 2.9750% | 4,185 |
| Loan and lease loss provision to assets | 1.1697% | 1,471 |
| Net operating income to assets | -0.5200% | 6,567 |
| Return on assets (ROA) | -0.4370% | 6,492 |
| Pretax return on assets | -0.4635% | 6,384 |
| Return on Equity (ROE) | -4.6650% | 6,571 |
| Retained earnings to average equity (ytd only) | -9.6128% | 6,835 |
| Net charge-offs to loans | 1.5897% | 1,190 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 0.5283% | 5,178 |
| Efficiency ratio | 82.8010% | 2,627 |
| Assets per employee ($millions) | 3.1667% | 5,674 |
| Cash dividends to net income (ytd only)* | -106.0606% | 8,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 5,782 |
| Loan loss allowance to noncurrent loans | 21.0210% | 7,076 |
| Noncurrent assets plus other real estate owned to assets | 3.7556% | 1,629 |
| Noncurrent loans to loans | 5.0919% | 1,192 |
| Net loans and leases to total assets | 72.9666% | 2,962 |
| Net loans and leases to deposits | 84.6988% | 3,764 |
| Net loans and leases to core deposits | 97.2580% | 4,761 |
| Total domestic deposits to total assets | 86.1483% | 2,709 |
| Equity capital to assets | 9.2570% | 4,933 |
| Core capital (leverage) ratio | 8.9561% | 4,705 |
| Tier 1 risk-based capital ratio | 11.1831% | 5,691 |
| Total risk-based capital ratio | 12.1609% | 5,911 |
| Memoranda: | ||
| Average total assets | $45,311,000 | 7,007 |
| Average earning assets | $42,075,670 | 6,966 |
| Average equity | $4,244,330 | 7,322 |
| Average total loans | $33,339,330 | 6,538 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5593% | 4,588 |
| Cost of funding earning assets | 1.8500% | 4,876 |
| Net interest margin | 3.7093% | 3,854 |
| Noninterest income to average assets | 0.1485% | 7,237 |
| Noninterest expense to average assets | 3.0044% | 3,749 |
| Loan and lease loss provision to assets | 0.1572% | 4,921 |
| Net operating income to assets | 0.3930% | 4,883 |
| Return on assets (ROA) | 0.3930% | 5,060 |
| Pretax return on assets | 0.4367% | 5,286 |
| Return on Equity (ROE) | 4.1720% | 4,858 |
| Retained earnings to average equity (ytd only) | -3.2449% | 6,319 |
| Net charge-offs to loans | 0.0238% | 5,220 |
| Credit loss provision to net charge-offs | 900.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 967 |
| Efficiency ratio | 83.4951% | 2,358 |
| Assets per employee ($millions) | 3.2174% | 5,554 |
| Cash dividends to net income (ytd only)* | 177.7778% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 5,500 |
| Loan loss allowance to noncurrent loans | 17.6046% | 7,282 |
| Noncurrent assets plus other real estate owned to assets | 4.6156% | 1,025 |
| Noncurrent loans to loans | 6.2281% | 742 |
| Net loans and leases to total assets | 73.2966% | 2,937 |
| Net loans and leases to deposits | 87.9673% | 3,296 |
| Net loans and leases to core deposits | 100.9757% | 4,440 |
| Total domestic deposits to total assets | 83.3226% | 3,991 |
| Equity capital to assets | 9.5575% | 4,596 |
| Core capital (leverage) ratio | 9.2065% | 4,388 |
| Tier 1 risk-based capital ratio | 11.3342% | 5,560 |
| Total risk-based capital ratio | 12.3285% | 5,735 |
| Memoranda: | ||
| Average total assets | $45,799,500 | 7,036 |
| Average earning assets | $42,595,500 | 6,994 |
| Average equity | $4,314,500 | 7,347 |
| Average total loans | $33,659,500 | 6,556 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5844% | 2,557 |
| Cost of funding earning assets | 2.2142% | 5,536 |
| Net interest margin | 4.3702% | 1,770 |
| Noninterest income to average assets | 0.2273% | 6,810 |
| Noninterest expense to average assets | 3.0576% | 3,867 |
| Loan and lease loss provision to assets | 0.0409% | 6,903 |
| Net operating income to assets | 1.1366% | 2,003 |
| Return on assets (ROA) | 1.1366% | 1,922 |
| Pretax return on assets | 1.2253% | 2,567 |
| Return on Equity (ROE) | 12.1383% | 1,559 |
| Retained earnings to average equity (ytd only) | 3.1560% | 3,191 |
| Net charge-offs to loans | -0.0190% | 7,920 |
| Credit loss provision to net charge-offs | -300.0000% | 7,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7150% | 4,194 |
| Assets per employee ($millions) | 3.3254% | 5,150 |
| Cash dividends to net income (ytd only)* | 74.0000% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 5,765 |
| Loan loss allowance to noncurrent loans | 48.8145% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 1.5401% | 3,142 |
| Noncurrent loans to loans | 2.1127% | 2,613 |
| Net loans and leases to total assets | 72.1454% | 3,552 |
| Net loans and leases to deposits | 91.8809% | 3,163 |
| Net loans and leases to core deposits | 103.2080% | 4,481 |
| Total domestic deposits to total assets | 78.5205% | 5,540 |
| Equity capital to assets | 9.2877% | 4,948 |
| Core capital (leverage) ratio | 8.9385% | 4,834 |
| Tier 1 risk-based capital ratio | 11.5222% | 5,220 |
| Total risk-based capital ratio | 12.4808% | 5,391 |
| Memoranda: | ||
| Average total assets | $43,989,200 | 7,027 |
| Average earning assets | $41,233,800 | 6,982 |
| Average equity | $4,119,200 | 7,467 |
| Average total loans | $31,501,600 | 6,630 |