Home > First State Bank of Decatur > Performance and Condition Ratios
First State Bank of Decatur, 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 | 3.9650% | 4,019 |
| Cost of funding earning assets | 0.5289% | 4,173 |
| Net interest margin | 3.4361% | 2,333 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 3.3017% | 736 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2821% | 4,055 |
| Return on assets (ROA) | 0.2821% | 4,053 |
| Pretax return on assets | 0.2397% | 4,152 |
| Return on Equity (ROE) | 1.4900% | 4,213 |
| Retained earnings to average equity (ytd only) | 0.0293% | 4,037 |
| Net charge-offs to loans | 0.0938% | 948 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 5.2000% | 2,539 |
| Efficiency ratio | 93.2327% | 323 |
| Assets per employee ($millions) | 4.0778% | 4,132 |
| Cash dividends to net income (ytd only)* | 98.0392% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 1,577 |
| Loan loss allowance to noncurrent loans | 573.8462% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 2,725 |
| Noncurrent loans to loans | 0.2355% | 2,369 |
| Net loans and leases to total assets | 51.3700% | 3,517 |
| Net loans and leases to deposits | 67.9645% | 3,036 |
| Net loans and leases to core deposits | 70.6591% | 3,269 |
| Total domestic deposits to total assets | 75.5800% | 3,979 |
| Equity capital to assets | 19.7544% | 289 |
| Core capital (leverage) ratio | 21.6428% | 216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $54,245,200 | 4,268 |
| Average earning assets | $51,803,200 | 4,231 |
| Average equity | $10,255,200 | 3,692 |
| Average total loans | $26,653,800 | 4,189 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8667% | 4,045 |
| Cost of funding earning assets | 0.3997% | 4,257 |
| Net interest margin | 3.4670% | 2,285 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 3.2579% | 760 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3422% | 4,064 |
| Return on assets (ROA) | 0.3422% | 4,066 |
| Pretax return on assets | 0.3153% | 4,156 |
| Return on Equity (ROE) | 1.8300% | 4,219 |
| Retained earnings to average equity (ytd only) | 1.8298% | 3,760 |
| Net charge-offs to loans | 0.1161% | 694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 5.6087% | 2,342 |
| Efficiency ratio | 91.1765% | 343 |
| Assets per employee ($millions) | 3.9745% | 4,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 1,428 |
| Loan loss allowance to noncurrent loans | 125.1678% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.5767% | 1,011 |
| Noncurrent loans to loans | 1.1217% | 701 |
| Net loans and leases to total assets | 50.6900% | 3,572 |
| Net loans and leases to deposits | 63.3354% | 3,301 |
| Net loans and leases to core deposits | 65.3355% | 3,464 |
| Total domestic deposits to total assets | 80.0400% | 3,521 |
| Equity capital to assets | 19.4701% | 297 |
| Core capital (leverage) ratio | 22.0057% | 207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $54,553,750 | 4,281 |
| Average earning assets | $52,032,750 | 4,247 |
| Average equity | $10,201,000 | 3,702 |
| Average total loans | $26,416,000 | 4,210 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7921% | 4,028 |
| Cost of funding earning assets | 0.3141% | 4,294 |
| Net interest margin | 3.4780% | 2,319 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 3.3324% | 668 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2666% | 4,208 |
| Return on assets (ROA) | 0.2666% | 4,234 |
| Pretax return on assets | 0.2162% | 4,307 |
| Return on Equity (ROE) | 1.4400% | 4,336 |
| Retained earnings to average equity (ytd only) | 1.4442% | 3,837 |
| Net charge-offs to loans | 0.1745% | 451 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 2.6087% | 2,307 |
| Efficiency ratio | 93.9086% | 264 |
| Assets per employee ($millions) | 4.1245% | 4,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 1,386 |
| Loan loss allowance to noncurrent loans | 255.4795% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.2723% | 1,843 |
| Noncurrent loans to loans | 0.5641% | 1,326 |
| Net loans and leases to total assets | 47.5700% | 3,712 |
| Net loans and leases to deposits | 59.1902% | 3,469 |
| Net loans and leases to core deposits | 60.9729% | 3,580 |
| Total domestic deposits to total assets | 80.3700% | 3,521 |
| Equity capital to assets | 19.1130% | 304 |
| Core capital (leverage) ratio | 21.0423% | 224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $55,515,333 | 4,294 |
| Average earning assets | $52,846,333 | 4,258 |
| Average equity | $10,248,000 | 3,716 |
| Average total loans | $26,366,000 | 4,223 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6572% | 4,091 |
| Cost of funding earning assets | 0.2756% | 4,242 |
| Net interest margin | 3.3816% | 2,682 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 3.0108% | 1,045 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4180% | 4,061 |
| Return on assets (ROA) | 0.4180% | 4,003 |
| Pretax return on assets | 0.4250% | 4,097 |
| Return on Equity (ROE) | 2.3000% | 4,264 |
| Retained earnings to average equity (ytd only) | 2.3029% | 3,649 |
| Net charge-offs to loans | 0.3608% | 220 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 1,927 |
| Efficiency ratio | 87.6289% | 434 |
| Assets per employee ($millions) | 4.3864% | 4,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4147% | 1,567 |
| Loan loss allowance to noncurrent loans | 4,133.3333% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 3,678 |
| Noncurrent loans to loans | 0.0342% | 3,505 |
| Net loans and leases to total assets | 45.4600% | 3,801 |
| Net loans and leases to deposits | 55.8900% | 3,579 |
| Net loans and leases to core deposits | 57.4391% | 3,659 |
| Total domestic deposits to total assets | 81.3400% | 3,583 |
| Equity capital to assets | 18.3031% | 292 |
| Core capital (leverage) ratio | 20.6023% | 238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $56,464,000 | 4,345 |
| Average earning assets | $53,703,000 | 4,308 |
| Average equity | $10,248,000 | 3,754 |
| Average total loans | $26,608,500 | 4,275 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3190% | 3,540 |
| Cost of funding earning assets | 0.2319% | 3,498 |
| Net interest margin | 3.0870% | 3,208 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.7396% | 1,466 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | 0.7111% | 3,585 |
| Return on assets (ROA) | 0.5351% | 3,979 |
| Pretax return on assets | 0.5472% | 4,103 |
| Return on Equity (ROE) | 2.9500% | 4,296 |
| Retained earnings to average equity (ytd only) | 1.5224% | 4,096 |
| Net charge-offs to loans | 0.0410% | 1,289 |
| Credit loss provision to net charge-offs | -272.7273% | 4,615 |
| Earnings coverage of net charge-offs (x) | 35.5455% | 1,573 |
| Efficiency ratio | 80.2326% | 700 |
| Assets per employee ($millions) | 4.3004% | 4,144 |
| Cash dividends to net income (ytd only)* | 48.3871% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4821% | 1,251 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 47.4400% | 3,709 |
| Net loans and leases to deposits | 58.3247% | 3,431 |
| Net loans and leases to core deposits | 60.3623% | 3,489 |
| Total domestic deposits to total assets | 81.3400% | 3,717 |
| Equity capital to assets | 17.9930% | 291 |
| Core capital (leverage) ratio | 20.5119% | 236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $57,928,600 | 4,355 |
| Average earning assets | $55,620,000 | 4,316 |
| Average equity | $10,509,600 | 3,809 |
| Average total loans | $26,856,800 | 4,287 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1706% | 3,501 |
| Cost of funding earning assets | 0.2270% | 2,965 |
| Net interest margin | 2.9436% | 3,375 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.6559% | 1,578 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 0.4381% | 4,183 |
| Return on assets (ROA) | 0.4381% | 4,128 |
| Pretax return on assets | 0.4404% | 4,222 |
| Return on Equity (ROE) | 2.4100% | 4,365 |
| Retained earnings to average equity (ytd only) | 2.4100% | 3,936 |
| Net charge-offs to loans | 0.0099% | 1,758 |
| Credit loss provision to net charge-offs | -750.0000% | 4,714 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 998 |
| Efficiency ratio | 86.7362% | 432 |
| Assets per employee ($millions) | 4.4252% | 4,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5664% | 1,134 |
| Loan loss allowance to noncurrent loans | 254.2169% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.2886% | 1,798 |
| Noncurrent loans to loans | 0.6162% | 1,316 |
| Net loans and leases to total assets | 46.1000% | 3,750 |
| Net loans and leases to deposits | 55.9390% | 3,483 |
| Net loans and leases to core deposits | 57.7479% | 3,521 |
| Total domestic deposits to total assets | 82.4100% | 3,768 |
| Equity capital to assets | 17.2386% | 307 |
| Core capital (leverage) ratio | 20.0167% | 239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $58,434,500 | 4,386 |
| Average earning assets | $56,392,250 | 4,339 |
| Average equity | $10,622,250 | 3,848 |
| Average total loans | $26,840,750 | 4,318 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0722% | 3,370 |
| Cost of funding earning assets | 0.2257% | 2,572 |
| Net interest margin | 2.8465% | 3,303 |
| Noninterest income to average assets | 0.2179% | 3,892 |
| Noninterest expense to average assets | 2.6695% | 1,460 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3337% | 4,226 |
| Return on assets (ROA) | 0.3337% | 4,182 |
| Pretax return on assets | 0.2962% | 4,303 |
| Return on Equity (ROE) | 1.8052% | 4,371 |
| Retained earnings to average equity (ytd only) | 1.8052% | 3,803 |
| Net charge-offs to loans | -0.0075% | 3,472 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0115% | 404 |
| Assets per employee ($millions) | 4.3027% | 4,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6371% | 1,077 |
| Loan loss allowance to noncurrent loans | 213.5922% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 1,520 |
| Noncurrent loans to loans | 0.7665% | 1,121 |
| Net loans and leases to total assets | 47.2620% | 3,612 |
| Net loans and leases to deposits | 58.2188% | 3,207 |
| Net loans and leases to core deposits | 60.1748% | 3,260 |
| Total domestic deposits to total assets | 81.1799% | 4,105 |
| Equity capital to assets | 18.3534% | 212 |
| Core capital (leverage) ratio | 19.4078% | 219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,736,667 | 4,427 |
| Average earning assets | $56,701,333 | 4,391 |
| Average equity | $10,857,333 | 3,901 |
| Average total loans | $26,807,333 | 4,375 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9216% | 3,476 |
| Cost of funding earning assets | 0.2205% | 2,519 |
| Net interest margin | 2.7011% | 3,395 |
| Noninterest income to average assets | 0.2128% | 3,886 |
| Noninterest expense to average assets | 2.6938% | 1,385 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2128% | 4,307 |
| Return on assets (ROA) | 0.2128% | 4,273 |
| Pretax return on assets | 0.1264% | 4,414 |
| Return on Equity (ROE) | 1.1477% | 4,399 |
| Retained earnings to average equity (ytd only) | 1.1477% | 3,790 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5189% | 342 |
| Assets per employee ($millions) | 5.0199% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6530% | 1,151 |
| Loan loss allowance to noncurrent loans | 227.9793% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.3204% | 1,837 |
| Noncurrent loans to loans | 0.7250% | 1,315 |
| Net loans and leases to total assets | 43.4586% | 3,785 |
| Net loans and leases to deposits | 53.0799% | 3,486 |
| Net loans and leases to core deposits | 54.7117% | 3,544 |
| Total domestic deposits to total assets | 81.8739% | 4,091 |
| Equity capital to assets | 17.8223% | 234 |
| Core capital (leverage) ratio | 19.0700% | 208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,137,500 | 4,435 |
| Average earning assets | $58,049,500 | 4,405 |
| Average equity | $11,153,000 | 3,942 |
| Average total loans | $26,773,000 | 4,396 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1101% | 3,667 |
| Cost of funding earning assets | 0.2459% | 2,977 |
| Net interest margin | 2.8642% | 3,524 |
| Noninterest income to average assets | 0.2452% | 3,903 |
| Noninterest expense to average assets | 2.5064% | 2,161 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4938% | 4,106 |
| Return on assets (ROA) | 0.4938% | 4,147 |
| Pretax return on assets | 0.5158% | 4,234 |
| Return on Equity (ROE) | 2.4892% | 4,440 |
| Retained earnings to average equity (ytd only) | 1.2105% | 4,203 |
| Net charge-offs to loans | 0.0219% | 1,823 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 50.8333% | 1,286 |
| Efficiency ratio | 82.9323% | 626 |
| Assets per employee ($millions) | 4.6182% | 4,022 |
| Cash dividends to net income (ytd only)* | 51.3699% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6303% | 1,195 |
| Loan loss allowance to noncurrent loans | 426.2136% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 2,734 |
| Noncurrent loans to loans | 0.3825% | 2,219 |
| Net loans and leases to total assets | 44.1202% | 3,828 |
| Net loans and leases to deposits | 55.0549% | 3,514 |
| Net loans and leases to core deposits | 56.7851% | 3,562 |
| Total domestic deposits to total assets | 80.1386% | 4,208 |
| Equity capital to assets | 19.2718% | 201 |
| Core capital (leverage) ratio | 19.3752% | 192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,128,000 | 4,466 |
| Average earning assets | $57,329,200 | 4,421 |
| Average equity | $11,730,800 | 3,965 |
| Average total loans | $27,366,400 | 4,424 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1494% | 3,701 |
| Cost of funding earning assets | 0.2518% | 3,105 |
| Net interest margin | 2.8977% | 3,557 |
| Noninterest income to average assets | 0.2286% | 4,035 |
| Noninterest expense to average assets | 2.4447% | 2,288 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5614% | 4,075 |
| Return on assets (ROA) | 0.5614% | 4,119 |
| Pretax return on assets | 0.5976% | 4,240 |
| Return on Equity (ROE) | 2.8091% | 4,488 |
| Retained earnings to average equity (ytd only) | 2.8091% | 3,964 |
| Net charge-offs to loans | 0.0243% | 1,556 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 52.8000% | 1,213 |
| Efficiency ratio | 80.3571% | 721 |
| Assets per employee ($millions) | 4.5841% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 1,337 |
| Loan loss allowance to noncurrent loans | 4,400.0000% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 4,098 |
| Noncurrent loans to loans | 0.0364% | 3,945 |
| Net loans and leases to total assets | 45.3610% | 3,840 |
| Net loans and leases to deposits | 56.9382% | 3,495 |
| Net loans and leases to core deposits | 58.7639% | 3,567 |
| Total domestic deposits to total assets | 79.6671% | 4,273 |
| Equity capital to assets | 19.8681% | 200 |
| Core capital (leverage) ratio | 18.6870% | 234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,901,000 | 4,524 |
| Average earning assets | $57,194,000 | 4,481 |
| Average equity | $11,771,000 | 4,008 |
| Average total loans | $27,476,250 | 4,482 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1818% | 3,707 |
| Cost of funding earning assets | 0.2491% | 3,289 |
| Net interest margin | 2.9327% | 3,497 |
| Noninterest income to average assets | 0.2250% | 4,051 |
| Noninterest expense to average assets | 2.4442% | 2,330 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5863% | 4,010 |
| Return on assets (ROA) | 0.5863% | 4,065 |
| Pretax return on assets | 0.6306% | 4,189 |
| Return on Equity (ROE) | 2.9282% | 4,485 |
| Retained earnings to average equity (ytd only) | 2.9282% | 3,859 |
| Net charge-offs to loans | 0.0364% | 1,274 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,204 |
| Efficiency ratio | 79.4900% | 816 |
| Assets per employee ($millions) | 4.6625% | 3,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6446% | 1,181 |
| Loan loss allowance to noncurrent loans | 360.6557% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 2,944 |
| Noncurrent loans to loans | 0.4560% | 2,309 |
| Net loans and leases to total assets | 43.4148% | 4,083 |
| Net loans and leases to deposits | 54.2689% | 3,839 |
| Net loans and leases to core deposits | 56.4312% | 3,862 |
| Total domestic deposits to total assets | 79.9993% | 4,238 |
| Equity capital to assets | 19.4546% | 212 |
| Core capital (leverage) ratio | 18.9656% | 217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,670,333 | 4,552 |
| Average earning assets | $57,012,333 | 4,512 |
| Average equity | $11,748,000 | 4,018 |
| Average total loans | $27,477,667 | 4,518 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3697% | 3,286 |
| Cost of funding earning assets | 0.2576% | 3,402 |
| Net interest margin | 3.1122% | 2,947 |
| Noninterest income to average assets | 0.2357% | 3,982 |
| Noninterest expense to average assets | 2.5165% | 2,136 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6863% | 3,742 |
| Return on assets (ROA) | 0.6863% | 3,810 |
| Pretax return on assets | 0.7348% | 3,942 |
| Return on Equity (ROE) | 3.3771% | 4,401 |
| Retained earnings to average equity (ytd only) | 3.3771% | 3,670 |
| Net charge-offs to loans | 0.0718% | 839 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 21.2000% | 1,229 |
| Efficiency ratio | 77.3987% | 1,007 |
| Assets per employee ($millions) | 4.5762% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 1,314 |
| 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 | 45.6480% | 3,988 |
| Net loans and leases to deposits | 57.0960% | 3,708 |
| Net loans and leases to core deposits | 59.4080% | 3,746 |
| Total domestic deposits to total assets | 79.9496% | 4,212 |
| Equity capital to assets | 19.6773% | 198 |
| Core capital (leverage) ratio | 19.6326% | 201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,699,000 | 4,587 |
| Average earning assets | $55,909,500 | 4,538 |
| Average equity | $11,726,000 | 4,030 |
| Average total loans | $27,839,000 | 4,533 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6472% | 3,704 |
| Cost of funding earning assets | 0.3014% | 4,135 |
| Net interest margin | 3.3458% | 2,938 |
| Noninterest income to average assets | 0.2544% | 3,961 |
| Noninterest expense to average assets | 2.8109% | 1,914 |
| Loan and lease loss provision to assets | 0.0446% | 3,843 |
| Net operating income to assets | 0.6238% | 3,672 |
| Return on assets (ROA) | 0.6238% | 3,793 |
| Pretax return on assets | 0.6350% | 4,004 |
| Return on Equity (ROE) | 2.9246% | 4,401 |
| Retained earnings to average equity (ytd only) | 1.6190% | 3,988 |
| Net charge-offs to loans | 0.0377% | 2,300 |
| Credit loss provision to net charge-offs | 218.1818% | 2,078 |
| Earnings coverage of net charge-offs (x) | 33.2727% | 1,526 |
| Efficiency ratio | 80.5319% | 849 |
| Assets per employee ($millions) | 4.3006% | 4,122 |
| Cash dividends to net income (ytd only)* | 44.6429% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 1,338 |
| Loan loss allowance to noncurrent loans | 344.9612% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.2307% | 3,133 |
| Noncurrent loans to loans | 0.4594% | 2,592 |
| Net loans and leases to total assets | 49.4330% | 3,868 |
| Net loans and leases to deposits | 63.1631% | 3,504 |
| Net loans and leases to core deposits | 65.9437% | 3,545 |
| Total domestic deposits to total assets | 78.2625% | 4,288 |
| Equity capital to assets | 21.0095% | 166 |
| Core capital (leverage) ratio | 20.0000% | 191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,862,000 | 4,601 |
| Average earning assets | $52,094,800 | 4,555 |
| Average equity | $11,488,800 | 4,027 |
| Average total loans | $29,156,400 | 4,535 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6909% | 3,817 |
| Cost of funding earning assets | 0.3099% | 4,270 |
| Net interest margin | 3.3809% | 2,979 |
| Noninterest income to average assets | 0.2624% | 3,901 |
| Noninterest expense to average assets | 2.8940% | 1,716 |
| Loan and lease loss provision to assets | 0.0600% | 3,589 |
| Net operating income to assets | 0.5448% | 3,920 |
| Return on assets (ROA) | 0.5448% | 4,012 |
| Pretax return on assets | 0.5798% | 4,139 |
| Return on Equity (ROE) | 2.5442% | 4,471 |
| Retained earnings to average equity (ytd only) | 2.5442% | 3,714 |
| Net charge-offs to loans | 0.0498% | 1,898 |
| Credit loss provision to net charge-offs | 218.1818% | 2,042 |
| Earnings coverage of net charge-offs (x) | 23.2727% | 1,803 |
| Efficiency ratio | 81.8953% | 737 |
| Assets per employee ($millions) | 4.2779% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5482% | 1,237 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 50.7687% | 4,052 |
| Net loans and leases to deposits | 64.9356% | 3,710 |
| Net loans and leases to core deposits | 67.8278% | 3,763 |
| Total domestic deposits to total assets | 78.1832% | 4,170 |
| Equity capital to assets | 21.1659% | 170 |
| Core capital (leverage) ratio | 20.2634% | 189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,350,500 | 4,627 |
| Average earning assets | $51,621,500 | 4,582 |
| Average equity | $11,424,500 | 4,048 |
| Average total loans | $29,425,000 | 4,552 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8208% | 3,808 |
| Cost of funding earning assets | 0.3273% | 4,373 |
| Net interest margin | 3.4935% | 2,806 |
| Noninterest income to average assets | 0.2700% | 3,862 |
| Noninterest expense to average assets | 2.9394% | 1,739 |
| Loan and lease loss provision to assets | 0.0684% | 3,435 |
| Net operating income to assets | 0.6008% | 3,735 |
| Return on assets (ROA) | 0.6008% | 3,810 |
| Pretax return on assets | 0.6312% | 4,000 |
| Return on Equity (ROE) | 2.7942% | 4,387 |
| Retained earnings to average equity (ytd only) | 2.7942% | 3,459 |
| Net charge-offs to loans | 0.0809% | 1,437 |
| Credit loss provision to net charge-offs | 150.0000% | 2,122 |
| Earnings coverage of net charge-offs (x) | 15.3333% | 1,915 |
| Efficiency ratio | 80.7732% | 833 |
| Assets per employee ($millions) | 4.1744% | 4,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5274% | 1,187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 52.0371% | 4,028 |
| Net loans and leases to deposits | 66.9202% | 3,647 |
| Net loans and leases to core deposits | 69.9817% | 3,709 |
| Total domestic deposits to total assets | 77.7600% | 4,218 |
| Equity capital to assets | 21.5085% | 160 |
| Core capital (leverage) ratio | 21.0365% | 172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,596,333 | 4,650 |
| Average earning assets | $50,722,333 | 4,608 |
| Average equity | $11,309,000 | 4,069 |
| Average total loans | $29,674,000 | 4,568 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0109% | 3,756 |
| Cost of funding earning assets | 0.3595% | 4,487 |
| Net interest margin | 3.6514% | 2,505 |
| Noninterest income to average assets | 0.3091% | 3,663 |
| Noninterest expense to average assets | 3.0679% | 1,721 |
| Loan and lease loss provision to assets | 0.0696% | 2,874 |
| Net operating income to assets | 0.6569% | 3,427 |
| Return on assets (ROA) | 0.6569% | 3,483 |
| Pretax return on assets | 0.7032% | 3,679 |
| Return on Equity (ROE) | 3.0555% | 4,204 |
| Retained earnings to average equity (ytd only) | 3.0555% | 3,060 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8793% | 1,151 |
| Assets per employee ($millions) | 3.7432% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4742% | 1,434 |
| Loan loss allowance to noncurrent loans | 3,675.0000% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 4,518 |
| Noncurrent loans to loans | 0.0401% | 4,397 |
| Net loans and leases to total assets | 56.2408% | 3,823 |
| Net loans and leases to deposits | 73.2704% | 3,338 |
| Net loans and leases to core deposits | 76.7826% | 3,442 |
| Total domestic deposits to total assets | 76.7579% | 4,384 |
| Equity capital to assets | 20.9770% | 204 |
| Core capital (leverage) ratio | 21.4051% | 189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,761,000 | 4,683 |
| Average earning assets | $50,063,500 | 4,639 |
| Average equity | $11,127,500 | 4,108 |
| Average total loans | $30,172,500 | 4,587 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0943% | 4,055 |
| Cost of funding earning assets | 0.3234% | 4,673 |
| Net interest margin | 3.7709% | 2,605 |
| Noninterest income to average assets | 0.2504% | 4,181 |
| Noninterest expense to average assets | 2.9211% | 2,229 |
| Loan and lease loss provision to assets | 0.0360% | 3,290 |
| Net operating income to assets | 0.8308% | 3,450 |
| Return on assets (ROA) | 0.8308% | 3,544 |
| Pretax return on assets | 0.9200% | 3,678 |
| Return on Equity (ROE) | 3.9817% | 4,464 |
| Retained earnings to average equity (ytd only) | 2.6181% | 3,724 |
| Net charge-offs to loans | 0.1153% | 1,586 |
| Credit loss provision to net charge-offs | 54.2857% | 3,090 |
| Earnings coverage of net charge-offs (x) | 14.4000% | 2,286 |
| Efficiency ratio | 75.3425% | 1,440 |
| Assets per employee ($millions) | 3.6512% | 4,319 |
| Cash dividends to net income (ytd only)* | 34.2466% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 1,455 |
| Loan loss allowance to noncurrent loans | 1,080.0000% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 4,247 |
| Noncurrent loans to loans | 0.1314% | 3,993 |
| Net loans and leases to total assets | 58.6869% | 3,700 |
| Net loans and leases to deposits | 77.9762% | 3,006 |
| Net loans and leases to core deposits | 80.9930% | 3,213 |
| Total domestic deposits to total assets | 75.2626% | 4,679 |
| Equity capital to assets | 22.0318% | 181 |
| Core capital (leverage) ratio | 21.5100% | 184 |
| Tier 1 risk-based capital ratio | 45.3419% | 172 |
| Total risk-based capital ratio | 46.5973% | 171 |
| Memoranda: | ||
| Average total assets | $52,720,200 | 4,708 |
| Average earning assets | $50,704,200 | 4,660 |
| Average equity | $11,000,200 | 4,127 |
| Average total loans | $30,361,400 | 4,635 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1128% | 4,126 |
| Cost of funding earning assets | 0.3164% | 4,761 |
| Net interest margin | 3.7964% | 2,612 |
| Noninterest income to average assets | 0.3012% | 3,933 |
| Noninterest expense to average assets | 2.9090% | 2,235 |
| Loan and lease loss provision to assets | 0.0326% | 3,257 |
| Net operating income to assets | 0.8986% | 3,354 |
| Return on assets (ROA) | 0.8986% | 3,426 |
| Pretax return on assets | 1.0040% | 3,586 |
| Return on Equity (ROE) | 4.3652% | 4,515 |
| Retained earnings to average equity (ytd only) | 4.3652% | 3,215 |
| Net charge-offs to loans | 0.1582% | 1,046 |
| Credit loss provision to net charge-offs | 36.1111% | 2,877 |
| Earnings coverage of net charge-offs (x) | 11.4719% | 2,440 |
| Efficiency ratio | 73.7277% | 1,612 |
| Assets per employee ($millions) | 3.7289% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 1,617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 4,419 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 57.7331% | 3,903 |
| Net loans and leases to deposits | 74.2980% | 3,450 |
| Net loans and leases to core deposits | 77.0405% | 3,625 |
| Total domestic deposits to total assets | 77.7048% | 4,407 |
| Equity capital to assets | 21.6880% | 194 |
| Core capital (leverage) ratio | 21.1510% | 198 |
| Tier 1 risk-based capital ratio | 44.6036% | 182 |
| Total risk-based capital ratio | 45.8589% | 178 |
| Memoranda: | ||
| Average total assets | $53,121,000 | 4,770 |
| Average earning assets | $50,994,000 | 4,727 |
| Average equity | $10,934,750 | 4,171 |
| Average total loans | $30,344,000 | 4,696 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0626% | 4,251 |
| Cost of funding earning assets | 0.3272% | 4,749 |
| Net interest margin | 3.7354% | 2,814 |
| Noninterest income to average assets | 0.3070% | 3,875 |
| Noninterest expense to average assets | 2.9349% | 2,180 |
| Loan and lease loss provision to assets | 0.0262% | 3,295 |
| Net operating income to assets | 0.8423% | 3,503 |
| Return on assets (ROA) | 0.8423% | 3,558 |
| Pretax return on assets | 0.9359% | 3,754 |
| Return on Equity (ROE) | 4.1645% | 4,545 |
| Retained earnings to average equity (ytd only) | 4.1645% | 3,165 |
| Net charge-offs to loans | 0.2379% | 706 |
| Credit loss provision to net charge-offs | 19.4444% | 2,657 |
| Earnings coverage of net charge-offs (x) | 7.1389% | 2,514 |
| Efficiency ratio | 75.3122% | 1,482 |
| Assets per employee ($millions) | 3.7284% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 1,677 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 4,470 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 57.1784% | 3,990 |
| Net loans and leases to deposits | 73.8068% | 3,535 |
| Net loans and leases to core deposits | 76.5341% | 3,680 |
| Total domestic deposits to total assets | 77.4704% | 4,489 |
| Equity capital to assets | 21.3150% | 196 |
| Core capital (leverage) ratio | 20.5315% | 220 |
| Tier 1 risk-based capital ratio | 43.8698% | 186 |
| Total risk-based capital ratio | 45.1236% | 185 |
| Memoranda: | ||
| Average total assets | $53,426,670 | 4,797 |
| Average earning assets | $51,347,000 | 4,756 |
| Average equity | $10,805,670 | 4,199 |
| Average total loans | $30,270,670 | 4,729 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9983% | 4,368 |
| Cost of funding earning assets | 0.3551% | 4,662 |
| Net interest margin | 3.6432% | 3,099 |
| Noninterest income to average assets | 0.2739% | 4,052 |
| Noninterest expense to average assets | 2.8497% | 2,417 |
| Loan and lease loss provision to assets | 0.0222% | 3,151 |
| Net operating income to assets | 0.8216% | 3,548 |
| Return on assets (ROA) | 0.8216% | 3,588 |
| Pretax return on assets | 0.8956% | 3,782 |
| Return on Equity (ROE) | 4.1708% | 4,541 |
| Retained earnings to average equity (ytd only) | 4.1708% | 3,254 |
| Net charge-offs to loans | 0.4757% | 321 |
| Credit loss provision to net charge-offs | 8.3333% | 2,184 |
| Earnings coverage of net charge-offs (x) | 3.4444% | 2,401 |
| Efficiency ratio | 75.6385% | 1,538 |
| Assets per employee ($millions) | 3.8521% | 4,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 1,825 |
| Loan loss allowance to noncurrent loans | 512.3457% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.2466% | 3,627 |
| Noncurrent loans to loans | 0.2656% | 3,611 |
| Net loans and leases to total assets | 55.7742% | 4,081 |
| Net loans and leases to deposits | 72.0438% | 3,600 |
| Net loans and leases to core deposits | 74.6136% | 3,758 |
| Total domestic deposits to total assets | 77.4170% | 4,603 |
| Equity capital to assets | 20.0204% | 237 |
| Core capital (leverage) ratio | 20.2908% | 232 |
| Tier 1 risk-based capital ratio | 42.6019% | 194 |
| Total risk-based capital ratio | 43.8560% | 188 |
| Memoranda: | ||
| Average total assets | $54,041,000 | 4,841 |
| Average earning assets | $51,822,500 | 4,800 |
| Average equity | $10,645,500 | 4,247 |
| Average total loans | $30,273,500 | 4,782 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9366% | 4,199 |
| Cost of funding earning assets | 0.3321% | 4,394 |
| Net interest margin | 3.6046% | 3,371 |
| Noninterest income to average assets | 0.1949% | 4,735 |
| Noninterest expense to average assets | 2.8623% | 2,476 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7442% | 3,992 |
| Return on assets (ROA) | 0.7425% | 3,999 |
| Pretax return on assets | 0.7963% | 4,178 |
| Return on Equity (ROE) | 3.8757% | 4,741 |
| Retained earnings to average equity (ytd only) | 2.6258% | 4,093 |
| Net charge-offs to loans | 0.0140% | 3,215 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 107.5000% | 706 |
| Efficiency ratio | 78.1947% | 1,108 |
| Assets per employee ($millions) | 3.6101% | 4,438 |
| Cash dividends to net income (ytd only)* | 32.2500% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4907% | 1,322 |
| Loan loss allowance to noncurrent loans | 45.2983% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 1.9334% | 510 |
| Noncurrent loans to loans | 3.2909% | 287 |
| Net loans and leases to total assets | 54.6702% | 4,235 |
| Net loans and leases to deposits | 71.3322% | 3,723 |
| Net loans and leases to core deposits | 74.6432% | 3,809 |
| Total domestic deposits to total assets | 76.6417% | 4,683 |
| Equity capital to assets | 19.3788% | 254 |
| Core capital (leverage) ratio | 20.0970% | 227 |
| Tier 1 risk-based capital ratio | 42.0134% | 206 |
| Total risk-based capital ratio | 43.2669% | 202 |
| Memoranda: | ||
| Average total assets | $53,872,200 | 4,873 |
| Average earning assets | $51,795,600 | 4,821 |
| Average equity | $10,320,600 | 4,261 |
| Average total loans | $28,671,600 | 4,851 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8568% | 4,309 |
| Cost of funding earning assets | 0.3137% | 4,422 |
| Net interest margin | 3.5431% | 3,543 |
| Noninterest income to average assets | 0.1636% | 4,969 |
| Noninterest expense to average assets | 2.8201% | 2,572 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7136% | 4,181 |
| Return on assets (ROA) | 0.7112% | 4,196 |
| Pretax return on assets | 0.7558% | 4,414 |
| Return on Equity (ROE) | 3.7234% | 4,882 |
| Retained earnings to average equity (ytd only) | 3.7234% | 3,912 |
| Net charge-offs to loans | 0.0047% | 3,277 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 306.7594% | 305 |
| Efficiency ratio | 78.8089% | 1,043 |
| Assets per employee ($millions) | 4.1522% | 3,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5598% | 1,174 |
| Loan loss allowance to noncurrent loans | 216.8269% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.6077% | 2,360 |
| Noncurrent loans to loans | 0.7194% | 2,280 |
| Net loans and leases to total assets | 52.7307% | 4,444 |
| Net loans and leases to deposits | 68.4092% | 4,034 |
| Net loans and leases to core deposits | 71.5906% | 4,103 |
| Total domestic deposits to total assets | 77.0814% | 4,632 |
| Equity capital to assets | 19.0744% | 271 |
| Core capital (leverage) ratio | 19.6961% | 246 |
| Tier 1 risk-based capital ratio | 43.0923% | 190 |
| Total risk-based capital ratio | 44.3479% | 186 |
| Memoranda: | ||
| Average total assets | $53,802,250 | 4,928 |
| Average earning assets | $51,855,000 | 4,876 |
| Average equity | $10,277,250 | 4,311 |
| Average total loans | $28,326,250 | 4,913 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8138% | 4,310 |
| Cost of funding earning assets | 0.2702% | 4,634 |
| Net interest margin | 3.5436% | 3,487 |
| Noninterest income to average assets | 0.0781% | 5,332 |
| Noninterest expense to average assets | 2.8766% | 2,420 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6066% | 4,475 |
| Return on assets (ROA) | 0.6066% | 4,480 |
| Pretax return on assets | 0.6177% | 4,711 |
| Return on Equity (ROE) | 3.1740% | 4,991 |
| Retained earnings to average equity (ytd only) | 3.1740% | 3,981 |
| Net charge-offs to loans | 0.0071% | 2,876 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 166.0000% | 478 |
| Efficiency ratio | 82.3216% | 809 |
| Assets per employee ($millions) | 4.1342% | 3,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5695% | 1,179 |
| Loan loss allowance to noncurrent loans | 181.8548% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.6996% | 2,134 |
| Noncurrent loans to loans | 0.8631% | 2,000 |
| Net loans and leases to total assets | 52.6273% | 4,440 |
| Net loans and leases to deposits | 69.2285% | 3,924 |
| Net loans and leases to core deposits | 71.7686% | 4,022 |
| Total domestic deposits to total assets | 76.0196% | 4,851 |
| Equity capital to assets | 19.1091% | 261 |
| Core capital (leverage) ratio | 19.6400% | 241 |
| Tier 1 risk-based capital ratio | 41.8942% | 208 |
| Total risk-based capital ratio | 43.1489% | 204 |
| Memoranda: | ||
| Average total assets | $53,743,670 | 4,987 |
| Average earning assets | $51,812,330 | 4,933 |
| Average equity | $10,271,000 | 4,348 |
| Average total loans | $28,130,330 | 4,970 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7705% | 4,299 |
| Cost of funding earning assets | 0.2622% | 4,636 |
| Net interest margin | 3.5084% | 3,502 |
| Noninterest income to average assets | 0.2903% | 4,227 |
| Noninterest expense to average assets | 2.9622% | 2,169 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6847% | 4,156 |
| Return on assets (ROA) | 0.6847% | 4,159 |
| Pretax return on assets | 0.7145% | 4,402 |
| Return on Equity (ROE) | 3.5827% | 4,872 |
| Retained earnings to average equity (ytd only) | 3.5827% | 3,769 |
| Net charge-offs to loans | 0.0719% | 1,402 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 19.2000% | 1,512 |
| Efficiency ratio | 80.5668% | 1,082 |
| Assets per employee ($millions) | 3.8993% | 4,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5981% | 1,164 |
| Loan loss allowance to noncurrent loans | 212.8571% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.7346% | 2,107 |
| Noncurrent loans to loans | 0.7508% | 2,330 |
| Net loans and leases to total assets | 50.4195% | 4,530 |
| Net loans and leases to deposits | 62.2391% | 4,323 |
| Net loans and leases to core deposits | 64.3565% | 4,402 |
| Total domestic deposits to total assets | 81.0093% | 4,202 |
| Equity capital to assets | 18.7122% | 266 |
| Core capital (leverage) ratio | 19.4028% | 236 |
| Tier 1 risk-based capital ratio | 41.8428% | 204 |
| Total risk-based capital ratio | 43.0965% | 204 |
| Memoranda: | ||
| Average total assets | $53,743,500 | 5,040 |
| Average earning assets | $51,876,000 | 4,993 |
| Average equity | $10,271,500 | 4,388 |
| Average total loans | $27,828,000 | 5,026 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7322% | 4,265 |
| Cost of funding earning assets | 0.2790% | 4,320 |
| Net interest margin | 3.4532% | 3,680 |
| Noninterest income to average assets | 0.3389% | 4,045 |
| Noninterest expense to average assets | 2.8664% | 2,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6129% | 3,954 |
| Return on assets (ROA) | 0.6129% | 3,997 |
| Pretax return on assets | 0.7968% | 4,252 |
| Return on Equity (ROE) | 3.0754% | 4,805 |
| Retained earnings to average equity (ytd only) | 1.8724% | 4,190 |
| Net charge-offs to loans | 0.0035% | 3,982 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 442.0000% | 195 |
| Efficiency ratio | 78.2480% | 1,315 |
| Assets per employee ($millions) | 3.7784% | 4,315 |
| Cash dividends to net income (ytd only)* | 39.1176% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6327% | 1,068 |
| Loan loss allowance to noncurrent loans | 192.3404% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.8053% | 1,936 |
| Noncurrent loans to loans | 0.8488% | 2,096 |
| Net loans and leases to total assets | 51.4831% | 4,554 |
| Net loans and leases to deposits | 64.4172% | 4,295 |
| Net loans and leases to core deposits | 67.2204% | 4,349 |
| Total domestic deposits to total assets | 79.9214% | 4,348 |
| Equity capital to assets | 19.5247% | 227 |
| Core capital (leverage) ratio | 18.8506% | 243 |
| Tier 1 risk-based capital ratio | 41.6529% | 191 |
| Total risk-based capital ratio | 42.9095% | 188 |
| Memoranda: | ||
| Average total assets | $55,469,600 | 5,053 |
| Average earning assets | $53,400,400 | 5,010 |
| Average equity | $11,055,400 | 4,290 |
| Average total loans | $28,783,600 | 5,052 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7057% | 4,310 |
| Cost of funding earning assets | 0.2792% | 4,323 |
| Net interest margin | 3.4266% | 3,752 |
| Noninterest income to average assets | 0.2519% | 4,703 |
| Noninterest expense to average assets | 2.8181% | 2,667 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6510% | 4,186 |
| Return on assets (ROA) | 0.6510% | 4,239 |
| Pretax return on assets | 0.7295% | 4,531 |
| Return on Equity (ROE) | 3.2510% | 5,049 |
| Retained earnings to average equity (ytd only) | 3.2510% | 3,991 |
| Net charge-offs to loans | -0.0092% | 4,617 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4374% | 1,168 |
| Assets per employee ($millions) | 4.0183% | 3,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 1,230 |
| Loan loss allowance to noncurrent loans | 211.6279% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.8692% | 1,979 |
| Noncurrent loans to loans | 0.7582% | 2,464 |
| Net loans and leases to total assets | 49.6000% | 4,727 |
| Net loans and leases to deposits | 62.6077% | 4,473 |
| Net loans and leases to core deposits | 64.8078% | 4,563 |
| Total domestic deposits to total assets | 79.2235% | 4,491 |
| Equity capital to assets | 20.3534% | 215 |
| Core capital (leverage) ratio | 20.3497% | 200 |
| Tier 1 risk-based capital ratio | 44.1620% | 177 |
| Total risk-based capital ratio | 45.4154% | 170 |
| Memoranda: | ||
| Average total assets | $56,112,750 | 5,101 |
| Average earning assets | $53,969,000 | 5,047 |
| Average equity | $11,237,250 | 4,310 |
| Average total loans | $29,058,250 | 5,103 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6945% | 4,245 |
| Cost of funding earning assets | 0.2816% | 4,269 |
| Net interest margin | 3.4128% | 3,730 |
| Noninterest income to average assets | 0.2354% | 4,831 |
| Noninterest expense to average assets | 2.8396% | 2,616 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6207% | 4,213 |
| Return on assets (ROA) | 0.6207% | 4,258 |
| Pretax return on assets | 0.6814% | 4,602 |
| Return on Equity (ROE) | 3.1165% | 5,082 |
| Retained earnings to average equity (ytd only) | 3.1165% | 3,856 |
| Net charge-offs to loans | 0.0205% | 2,825 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 63.6667% | 911 |
| Efficiency ratio | 80.6484% | 1,139 |
| Assets per employee ($millions) | 3.9865% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5422% | 1,424 |
| Loan loss allowance to noncurrent loans | 217.3913% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.8744% | 2,029 |
| Noncurrent loans to loans | 0.7094% | 2,628 |
| Net loans and leases to total assets | 51.4773% | 4,613 |
| Net loans and leases to deposits | 64.9985% | 4,302 |
| Net loans and leases to core deposits | 67.2976% | 4,399 |
| Total domestic deposits to total assets | 79.1976% | 4,584 |
| Equity capital to assets | 20.3920% | 211 |
| Core capital (leverage) ratio | 20.1263% | 202 |
| Tier 1 risk-based capital ratio | 43.1050% | 179 |
| Total risk-based capital ratio | 44.3583% | 176 |
| Memoranda: | ||
| Average total assets | $56,065,000 | 5,134 |
| Average earning assets | $53,972,670 | 5,085 |
| Average equity | $11,166,330 | 4,333 |
| Average total loans | $29,291,670 | 5,138 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6558% | 4,255 |
| Cost of funding earning assets | 0.2886% | 4,160 |
| Net interest margin | 3.3672% | 3,778 |
| Noninterest income to average assets | 0.2847% | 4,513 |
| Noninterest expense to average assets | 2.8403% | 2,650 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6122% | 4,103 |
| Return on assets (ROA) | 0.6122% | 4,162 |
| Pretax return on assets | 0.6834% | 4,495 |
| Return on Equity (ROE) | 3.1106% | 5,065 |
| Retained earnings to average equity (ytd only) | 3.1106% | 3,855 |
| Net charge-offs to loans | 0.0136% | 2,529 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 555 |
| Efficiency ratio | 80.6061% | 1,303 |
| Assets per employee ($millions) | 4.0844% | 3,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5419% | 1,538 |
| Loan loss allowance to noncurrent loans | 480.8511% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.9863% | 1,856 |
| Noncurrent loans to loans | 0.3207% | 3,973 |
| Net loans and leases to total assets | 50.4739% | 4,634 |
| Net loans and leases to deposits | 62.8172% | 4,382 |
| Net loans and leases to core deposits | 64.9562% | 4,490 |
| Total domestic deposits to total assets | 80.3505% | 4,552 |
| Equity capital to assets | 19.4135% | 228 |
| Core capital (leverage) ratio | 19.9391% | 199 |
| Tier 1 risk-based capital ratio | 42.4631% | 198 |
| Total risk-based capital ratio | 43.7151% | 196 |
| Memoranda: | ||
| Average total assets | $56,192,000 | 5,190 |
| Average earning assets | $54,051,500 | 5,136 |
| Average equity | $11,059,000 | 4,378 |
| Average total loans | $29,347,500 | 5,180 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6854% | 4,257 |
| Cost of funding earning assets | 0.2872% | 4,197 |
| Net interest margin | 3.3982% | 3,830 |
| Noninterest income to average assets | 0.2872% | 4,685 |
| Noninterest expense to average assets | 2.7672% | 3,130 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6630% | 3,937 |
| Return on assets (ROA) | 0.6630% | 4,056 |
| Pretax return on assets | 0.7924% | 4,202 |
| Return on Equity (ROE) | 3.3550% | 5,059 |
| Retained earnings to average equity (ytd only) | 2.1619% | 4,302 |
| Net charge-offs to loans | 0.0067% | 4,028 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 223.5000% | 312 |
| Efficiency ratio | 77.7390% | 1,731 |
| Assets per employee ($millions) | 3.9430% | 4,070 |
| Cash dividends to net income (ytd only)* | 35.5615% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5418% | 1,529 |
| Loan loss allowance to noncurrent loans | 156.7474% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 1.3750% | 1,252 |
| Noncurrent loans to loans | 0.9836% | 2,127 |
| Net loans and leases to total assets | 52.4039% | 4,573 |
| Net loans and leases to deposits | 65.9192% | 4,246 |
| Net loans and leases to core deposits | 67.4784% | 4,435 |
| Total domestic deposits to total assets | 79.4971% | 4,679 |
| Equity capital to assets | 19.9576% | 209 |
| Core capital (leverage) ratio | 19.9032% | 199 |
| Tier 1 risk-based capital ratio | 41.2210% | 207 |
| Total risk-based capital ratio | 42.4754% | 206 |
| Memoranda: | ||
| Average total assets | $56,410,600 | 5,225 |
| Average earning assets | $54,322,200 | 5,165 |
| Average equity | $11,147,400 | 4,408 |
| Average total loans | $29,811,600 | 5,192 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6721% | 4,337 |
| Cost of funding earning assets | 0.2832% | 4,273 |
| Net interest margin | 3.3889% | 3,894 |
| Noninterest income to average assets | 0.2868% | 4,719 |
| Noninterest expense to average assets | 2.8353% | 2,890 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5995% | 4,296 |
| Return on assets (ROA) | 0.5995% | 4,410 |
| Pretax return on assets | 0.7147% | 4,571 |
| Return on Equity (ROE) | 3.0411% | 5,206 |
| Retained earnings to average equity (ytd only) | 3.0411% | 4,090 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8675% | 1,449 |
| Assets per employee ($millions) | 3.9970% | 3,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5668% | 1,574 |
| Loan loss allowance to noncurrent loans | 121.3333% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 1.5708% | 1,117 |
| Noncurrent loans to loans | 1.2913% | 1,731 |
| Net loans and leases to total assets | 51.0847% | 4,727 |
| Net loans and leases to deposits | 64.4933% | 4,451 |
| Net loans and leases to core deposits | 66.0215% | 4,603 |
| Total domestic deposits to total assets | 79.2094% | 4,670 |
| Equity capital to assets | 20.3260% | 217 |
| Core capital (leverage) ratio | 19.6700% | 209 |
| Tier 1 risk-based capital ratio | 42.4077% | 199 |
| Total risk-based capital ratio | 43.6623% | 198 |
| Memoranda: | ||
| Average total assets | $56,712,750 | 5,264 |
| Average earning assets | $54,608,750 | 5,199 |
| Average equity | $11,180,000 | 4,439 |
| Average total loans | $29,919,250 | 5,238 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6877% | 4,337 |
| Cost of funding earning assets | 0.2839% | 4,304 |
| Net interest margin | 3.4037% | 3,877 |
| Noninterest income to average assets | 0.2633% | 4,901 |
| Noninterest expense to average assets | 2.8614% | 2,803 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5758% | 4,372 |
| Return on assets (ROA) | 0.5758% | 4,497 |
| Pretax return on assets | 0.6846% | 4,669 |
| Return on Equity (ROE) | 2.9509% | 5,257 |
| Retained earnings to average equity (ytd only) | 2.9509% | 4,038 |
| Net charge-offs to loans | 0.0728% | 2,141 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 17.7273% | 1,863 |
| Efficiency ratio | 80.6931% | 1,414 |
| Assets per employee ($millions) | 4.0344% | 3,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 1,933 |
| Loan loss allowance to noncurrent loans | 105.9666% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.4199% | 1,374 |
| Noncurrent loans to loans | 1.3982% | 1,600 |
| Net loans and leases to total assets | 52.2697% | 4,648 |
| Net loans and leases to deposits | 65.7411% | 4,368 |
| Net loans and leases to core deposits | 67.2736% | 4,528 |
| Total domestic deposits to total assets | 79.5085% | 4,671 |
| Equity capital to assets | 20.0489% | 218 |
| Core capital (leverage) ratio | 19.2247% | 219 |
| Tier 1 risk-based capital ratio | 40.7748% | 220 |
| Total risk-based capital ratio | 42.0280% | 218 |
| Memoranda: | ||
| Average total assets | $56,964,330 | 5,314 |
| Average earning assets | $54,939,670 | 5,254 |
| Average equity | $11,115,330 | 4,476 |
| Average total loans | $30,212,000 | 5,286 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6690% | 4,425 |
| Cost of funding earning assets | 0.2895% | 4,282 |
| Net interest margin | 3.3795% | 3,941 |
| Noninterest income to average assets | 0.2028% | 5,285 |
| Noninterest expense to average assets | 2.9018% | 2,704 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5104% | 4,588 |
| Return on assets (ROA) | 0.5104% | 4,696 |
| Pretax return on assets | 0.5664% | 4,910 |
| Return on Equity (ROE) | 2.6519% | 5,346 |
| Retained earnings to average equity (ytd only) | 2.6519% | 4,188 |
| Net charge-offs to loans | -0.0264% | 5,004 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6694% | 1,190 |
| Assets per employee ($millions) | 4.1650% | 3,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5030% | 1,973 |
| Loan loss allowance to noncurrent loans | 124.4565% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 1.2879% | 1,673 |
| Noncurrent loans to loans | 1.2076% | 2,011 |
| Net loans and leases to total assets | 51.4749% | 4,681 |
| Net loans and leases to deposits | 63.7979% | 4,456 |
| Net loans and leases to core deposits | 64.7196% | 4,642 |
| Total domestic deposits to total assets | 80.6843% | 4,582 |
| Equity capital to assets | 19.0396% | 256 |
| Core capital (leverage) ratio | 19.1529% | 229 |
| Tier 1 risk-based capital ratio | 39.6959% | 235 |
| Total risk-based capital ratio | 40.9479% | 232 |
| Memoranda: | ||
| Average total assets | $57,205,500 | 5,358 |
| Average earning assets | $55,274,000 | 5,290 |
| Average equity | $11,011,000 | 4,504 |
| Average total loans | $30,334,500 | 5,326 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6317% | 4,583 |
| Cost of funding earning assets | 0.3229% | 3,991 |
| Net interest margin | 3.3088% | 4,262 |
| Noninterest income to average assets | 0.3915% | 4,095 |
| Noninterest expense to average assets | 2.8103% | 3,185 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6927% | 3,847 |
| Return on assets (ROA) | 0.6943% | 3,948 |
| Pretax return on assets | 0.7744% | 4,279 |
| Return on Equity (ROE) | 3.6800% | 5,071 |
| Retained earnings to average equity (ytd only) | 2.4533% | 4,322 |
| Net charge-offs to loans | -0.0335% | 5,435 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4361% | 1,899 |
| Assets per employee ($millions) | 4.0072% | 3,928 |
| Cash dividends to net income (ytd only)* | 33.3333% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5068% | 1,972 |
| Loan loss allowance to noncurrent loans | 105.0808% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.4813% | 1,373 |
| Noncurrent loans to loans | 1.4340% | 1,623 |
| Net loans and leases to total assets | 53.0133% | 4,601 |
| Net loans and leases to deposits | 66.4351% | 4,279 |
| Net loans and leases to core deposits | 67.4414% | 4,485 |
| Total domestic deposits to total assets | 79.7972% | 4,796 |
| Equity capital to assets | 19.4649% | 229 |
| Core capital (leverage) ratio | 18.8371% | 247 |
| Tier 1 risk-based capital ratio | 39.9676% | 230 |
| Total risk-based capital ratio | 41.2219% | 228 |
| Memoranda: | ||
| Average total assets | $57,466,800 | 5,371 |
| Average earning assets | $55,428,400 | 5,311 |
| Average equity | $10,842,400 | 4,510 |
| Average total loans | $29,880,400 | 5,365 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5922% | 4,766 |
| Cost of funding earning assets | 0.3303% | 3,987 |
| Net interest margin | 3.2620% | 4,483 |
| Noninterest income to average assets | 0.3391% | 4,515 |
| Noninterest expense to average assets | 2.7769% | 3,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6391% | 4,188 |
| Return on assets (ROA) | 0.6412% | 4,288 |
| Pretax return on assets | 0.7081% | 4,655 |
| Return on Equity (ROE) | 3.4247% | 5,243 |
| Retained earnings to average equity (ytd only) | 3.4247% | 4,035 |
| Net charge-offs to loans | -0.0313% | 5,373 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7351% | 1,698 |
| Assets per employee ($millions) | 4.0541% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5029% | 2,146 |
| Loan loss allowance to noncurrent loans | 90.7631% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.5945% | 1,397 |
| Noncurrent loans to loans | 1.6559% | 1,481 |
| Net loans and leases to total assets | 52.1927% | 4,736 |
| Net loans and leases to deposits | 65.1298% | 4,458 |
| Net loans and leases to core deposits | 66.1198% | 4,678 |
| Total domestic deposits to total assets | 80.1364% | 4,713 |
| Equity capital to assets | 19.3051% | 262 |
| Core capital (leverage) ratio | 19.0258% | 241 |
| Tier 1 risk-based capital ratio | 40.3068% | 245 |
| Total risk-based capital ratio | 41.5592% | 243 |
| Memoranda: | ||
| Average total assets | $57,808,250 | 5,435 |
| Average earning assets | $55,711,250 | 5,368 |
| Average equity | $10,823,000 | 4,567 |
| Average total loans | $29,801,500 | 5,429 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5873% | 4,754 |
| Cost of funding earning assets | 0.3391% | 3,935 |
| Net interest margin | 3.2482% | 4,509 |
| Noninterest income to average assets | 0.3439% | 4,493 |
| Noninterest expense to average assets | 2.7786% | 3,320 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6224% | 4,251 |
| Return on assets (ROA) | 0.6224% | 4,361 |
| Pretax return on assets | 0.6947% | 4,671 |
| Return on Equity (ROE) | 3.3586% | 5,289 |
| Retained earnings to average equity (ytd only) | 3.3586% | 3,907 |
| Net charge-offs to loans | -0.0471% | 5,526 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 1,763 |
| Assets per employee ($millions) | 4.0419% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5383% | 2,122 |
| Loan loss allowance to noncurrent loans | 74.5875% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 1.7902% | 1,288 |
| Noncurrent loans to loans | 2.0623% | 1,168 |
| Net loans and leases to total assets | 51.1284% | 4,838 |
| Net loans and leases to deposits | 63.5128% | 4,574 |
| Net loans and leases to core deposits | 64.4739% | 4,778 |
| Total domestic deposits to total assets | 80.5008% | 4,747 |
| Equity capital to assets | 19.0556% | 265 |
| Core capital (leverage) ratio | 18.5521% | 259 |
| Tier 1 risk-based capital ratio | 41.2859% | 238 |
| Total risk-based capital ratio | 42.5382% | 237 |
| Memoranda: | ||
| Average total assets | $58,158,670 | 5,482 |
| Average earning assets | $56,031,000 | 5,411 |
| Average equity | $10,778,330 | 4,607 |
| Average total loans | $29,710,330 | 5,481 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5391% | 4,861 |
| Cost of funding earning assets | 0.3596% | 3,760 |
| Net interest margin | 3.1796% | 4,678 |
| Noninterest income to average assets | 0.3461% | 4,429 |
| Noninterest expense to average assets | 2.7280% | 3,492 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5972% | 4,304 |
| Return on assets (ROA) | 0.5972% | 4,399 |
| Pretax return on assets | 0.6786% | 4,662 |
| Return on Equity (ROE) | 3.2665% | 5,271 |
| Retained earnings to average equity (ytd only) | 3.2665% | 4,024 |
| Net charge-offs to loans | -0.0669% | 5,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0797% | 1,892 |
| Assets per employee ($millions) | 4.3797% | 3,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5039% | 2,427 |
| Loan loss allowance to noncurrent loans | 76.5306% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 1.6994% | 1,475 |
| Noncurrent loans to loans | 1.9650% | 1,337 |
| Net loans and leases to total assets | 48.0674% | 5,025 |
| Net loans and leases to deposits | 58.5700% | 4,873 |
| Net loans and leases to core deposits | 59.3687% | 5,045 |
| Total domestic deposits to total assets | 82.0683% | 4,491 |
| Equity capital to assets | 17.6756% | 356 |
| Core capital (leverage) ratio | 18.3504% | 269 |
| Tier 1 risk-based capital ratio | 40.2485% | 259 |
| Total risk-based capital ratio | 41.5025% | 255 |
| Memoranda: | ||
| Average total assets | $58,944,500 | 5,521 |
| Average earning assets | $56,737,500 | 5,450 |
| Average equity | $10,776,000 | 4,649 |
| Average total loans | $29,873,500 | 5,513 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8218% | 4,420 |
| Cost of funding earning assets | 0.4961% | 2,709 |
| Net interest margin | 3.3257% | 4,484 |
| Noninterest income to average assets | 0.2857% | 5,076 |
| Noninterest expense to average assets | 2.8964% | 3,166 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5253% | 4,705 |
| Return on assets (ROA) | 0.5253% | 4,795 |
| Pretax return on assets | 0.5662% | 5,049 |
| Return on Equity (ROE) | 2.7768% | 5,550 |
| Retained earnings to average equity (ytd only) | 1.6230% | 5,008 |
| Net charge-offs to loans | 0.0066% | 4,794 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 159.5000% | 340 |
| Efficiency ratio | 83.6494% | 1,456 |
| Assets per employee ($millions) | 4.0409% | 3,854 |
| Cash dividends to net income (ytd only)* | 41.5541% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 2,521 |
| Loan loss allowance to noncurrent loans | 62.8531% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 2.0451% | 1,232 |
| Noncurrent loans to loans | 2.3739% | 1,091 |
| Net loans and leases to total assets | 51.9311% | 4,794 |
| Net loans and leases to deposits | 64.6104% | 4,464 |
| Net loans and leases to core deposits | 65.5196% | 4,706 |
| Total domestic deposits to total assets | 80.3758% | 4,919 |
| Equity capital to assets | 18.9384% | 265 |
| Core capital (leverage) ratio | 19.2535% | 237 |
| Tier 1 risk-based capital ratio | 40.7019% | 227 |
| Total risk-based capital ratio | 41.9575% | 223 |
| Memoranda: | ||
| Average total assets | $56,345,200 | 5,645 |
| Average earning assets | $53,823,400 | 5,572 |
| Average equity | $10,659,600 | 4,625 |
| Average total loans | $30,468,200 | 5,548 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8376% | 4,411 |
| Cost of funding earning assets | 0.5067% | 2,691 |
| Net interest margin | 3.3309% | 4,506 |
| Noninterest income to average assets | 0.3529% | 4,615 |
| Noninterest expense to average assets | 2.8851% | 3,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5851% | 4,510 |
| Return on assets (ROA) | 0.5851% | 4,596 |
| Pretax return on assets | 0.6443% | 4,898 |
| Return on Equity (ROE) | 3.0935% | 5,506 |
| Retained earnings to average equity (ytd only) | 3.0935% | 4,420 |
| Net charge-offs to loans | -0.0522% | 5,925 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7450% | 1,652 |
| Assets per employee ($millions) | 4.0006% | 3,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 2,752 |
| Loan loss allowance to noncurrent loans | 42.0330% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 2.8175% | 871 |
| Noncurrent loans to loans | 3.5503% | 666 |
| Net loans and leases to total assets | 54.0976% | 4,565 |
| Net loans and leases to deposits | 67.3790% | 4,198 |
| Net loans and leases to core deposits | 68.7489% | 4,439 |
| Total domestic deposits to total assets | 80.2885% | 5,020 |
| Equity capital to assets | 19.2687% | 258 |
| Core capital (leverage) ratio | 19.1489% | 244 |
| Tier 1 risk-based capital ratio | 40.7187% | 230 |
| Total risk-based capital ratio | 41.9738% | 226 |
| Memoranda: | ||
| Average total assets | $56,288,250 | 5,708 |
| Average earning assets | $53,678,000 | 5,644 |
| Average equity | $10,646,000 | 4,659 |
| Average total loans | $30,629,250 | 5,593 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8255% | 4,427 |
| Cost of funding earning assets | 0.5108% | 2,724 |
| Net interest margin | 3.3146% | 4,528 |
| Noninterest income to average assets | 0.3547% | 4,587 |
| Noninterest expense to average assets | 2.9087% | 3,132 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5321% | 4,685 |
| Return on assets (ROA) | 0.5321% | 4,774 |
| Pretax return on assets | 0.5995% | 4,959 |
| Return on Equity (ROE) | 2.8309% | 5,583 |
| Retained earnings to average equity (ytd only) | 2.8309% | 4,402 |
| Net charge-offs to loans | -0.0719% | 6,027 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9120% | 1,641 |
| Assets per employee ($millions) | 3.7125% | 4,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5030% | 2,883 |
| Loan loss allowance to noncurrent loans | 33.3820% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 3.3436% | 722 |
| Noncurrent loans to loans | 4.5024% | 490 |
| Net loans and leases to total assets | 53.7800% | 4,567 |
| Net loans and leases to deposits | 66.8669% | 4,177 |
| Net loans and leases to core deposits | 68.2287% | 4,442 |
| Total domestic deposits to total assets | 80.4285% | 5,151 |
| Equity capital to assets | 19.2070% | 249 |
| Core capital (leverage) ratio | 18.7895% | 258 |
| Tier 1 risk-based capital ratio | 40.9501% | 220 |
| Total risk-based capital ratio | 42.2084% | 220 |
| Memoranda: | ||
| Average total assets | $56,381,670 | 5,753 |
| Average earning assets | $53,640,670 | 5,698 |
| Average equity | $10,597,330 | 4,683 |
| Average total loans | $30,586,330 | 5,642 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7855% | 4,549 |
| Cost of funding earning assets | 0.5186% | 2,730 |
| Net interest margin | 3.2669% | 4,680 |
| Noninterest income to average assets | 0.3455% | 4,608 |
| Noninterest expense to average assets | 2.8416% | 3,407 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5429% | 4,488 |
| Return on assets (ROA) | 0.5429% | 4,560 |
| Pretax return on assets | 0.6134% | 4,786 |
| Return on Equity (ROE) | 2.9200% | 5,487 |
| Retained earnings to average equity (ytd only) | 2.9200% | 4,344 |
| Net charge-offs to loans | -0.1695% | 6,335 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2449% | 1,895 |
| Assets per employee ($millions) | 3.8733% | 4,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5092% | 3,104 |
| Loan loss allowance to noncurrent loans | 44.6602% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 2.6213% | 1,180 |
| Noncurrent loans to loans | 3.3793% | 888 |
| Net loans and leases to total assets | 51.6695% | 4,709 |
| Net loans and leases to deposits | 63.3989% | 4,387 |
| Net loans and leases to core deposits | 64.6175% | 4,635 |
| Total domestic deposits to total assets | 81.4991% | 5,094 |
| Equity capital to assets | 18.2203% | 314 |
| Core capital (leverage) ratio | 18.7167% | 263 |
| Tier 1 risk-based capital ratio | 40.0366% | 234 |
| Total risk-based capital ratio | 41.2944% | 231 |
| Memoranda: | ||
| Average total assets | $56,728,500 | 5,796 |
| Average earning assets | $53,995,500 | 5,736 |
| Average equity | $10,548,000 | 4,717 |
| Average total loans | $30,676,500 | 5,691 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0064% | 4,068 |
| Cost of funding earning assets | 0.5858% | 2,784 |
| Net interest margin | 3.4206% | 4,200 |
| Noninterest income to average assets | 0.4732% | 3,936 |
| Noninterest expense to average assets | 2.8032% | 3,710 |
| Loan and lease loss provision to assets | 0.0215% | 4,700 |
| Net operating income to assets | 0.7599% | 3,498 |
| Return on assets (ROA) | 0.7599% | 3,593 |
| Pretax return on assets | 0.8926% | 3,796 |
| Return on Equity (ROE) | 4.0450% | 5,087 |
| Retained earnings to average equity (ytd only) | 2.8715% | 4,208 |
| Net charge-offs to loans | 0.2921% | 2,227 |
| Credit loss provision to net charge-offs | 13.6364% | 4,542 |
| Earnings coverage of net charge-offs (x) | 5.7955% | 3,213 |
| Efficiency ratio | 75.4098% | 2,876 |
| Assets per employee ($millions) | 3.6905% | 4,501 |
| Cash dividends to net income (ytd only)* | 29.0094% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4479% | 3,427 |
| Loan loss allowance to noncurrent loans | 47.5532% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 2.5887% | 1,317 |
| Noncurrent loans to loans | 3.0447% | 1,138 |
| Net loans and leases to total assets | 54.9632% | 4,462 |
| Net loans and leases to deposits | 68.4345% | 3,981 |
| Net loans and leases to core deposits | 69.7924% | 4,305 |
| Total domestic deposits to total assets | 80.3150% | 5,373 |
| Equity capital to assets | 18.9859% | 262 |
| Core capital (leverage) ratio | 18.6383% | 262 |
| Tier 1 risk-based capital ratio | 38.8545% | 248 |
| Total risk-based capital ratio | 40.1103% | 244 |
| Memoranda: | ||
| Average total assets | $55,793,800 | 5,880 |
| Average earning assets | $52,915,200 | 5,805 |
| Average equity | $10,482,200 | 4,748 |
| Average total loans | $30,129,400 | 5,757 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0166% | 4,065 |
| Cost of funding earning assets | 0.5889% | 2,911 |
| Net interest margin | 3.4276% | 4,177 |
| Noninterest income to average assets | 0.3959% | 4,561 |
| Noninterest expense to average assets | 2.7905% | 3,694 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7465% | 3,618 |
| Return on assets (ROA) | 0.7465% | 3,744 |
| Pretax return on assets | 0.8538% | 4,080 |
| Return on Equity (ROE) | 3.9839% | 5,228 |
| Retained earnings to average equity (ytd only) | 3.9839% | 3,860 |
| Net charge-offs to loans | 0.3607% | 1,754 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.4196% | 3,448 |
| Efficiency ratio | 76.5707% | 2,637 |
| Assets per employee ($millions) | 3.7573% | 4,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4448% | 3,708 |
| Loan loss allowance to noncurrent loans | 35.4735% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 3.0767% | 1,198 |
| Noncurrent loans to loans | 4.0730% | 848 |
| Net loans and leases to total assets | 53.4963% | 4,688 |
| Net loans and leases to deposits | 66.1736% | 4,283 |
| Net loans and leases to core deposits | 67.4527% | 4,574 |
| Total domestic deposits to total assets | 80.8425% | 5,256 |
| Equity capital to assets | 18.7015% | 280 |
| Core capital (leverage) ratio | 18.3564% | 280 |
| Tier 1 risk-based capital ratio | 39.0410% | 254 |
| Total risk-based capital ratio | 40.2977% | 250 |
| Memoranda: | ||
| Average total assets | $55,903,000 | 5,938 |
| Average earning assets | $52,979,500 | 5,867 |
| Average equity | $10,475,250 | 4,799 |
| Average total loans | $29,943,500 | 5,819 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9702% | 4,224 |
| Cost of funding earning assets | 0.5942% | 2,991 |
| Net interest margin | 3.3760% | 4,282 |
| Noninterest income to average assets | 0.2798% | 5,450 |
| Noninterest expense to average assets | 2.8304% | 3,570 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5812% | 4,396 |
| Return on assets (ROA) | 0.5812% | 4,571 |
| Pretax return on assets | 0.6493% | 4,840 |
| Return on Equity (ROE) | 3.0994% | 5,583 |
| Retained earnings to average equity (ytd only) | 3.0994% | 4,344 |
| Net charge-offs to loans | 0.3028% | 1,975 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.0222% | 3,235 |
| Efficiency ratio | 81.3402% | 1,984 |
| Assets per employee ($millions) | 3.7490% | 4,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6388% | 3,015 |
| Loan loss allowance to noncurrent loans | 38.2706% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 3.1813% | 1,249 |
| Noncurrent loans to loans | 4.2821% | 857 |
| Net loans and leases to total assets | 51.0180% | 4,996 |
| Net loans and leases to deposits | 62.9291% | 4,632 |
| Net loans and leases to core deposits | 63.6622% | 4,932 |
| Total domestic deposits to total assets | 81.0723% | 5,325 |
| Equity capital to assets | 18.5472% | 286 |
| Core capital (leverage) ratio | 18.6268% | 248 |
| Tier 1 risk-based capital ratio | 40.2292% | 225 |
| Total risk-based capital ratio | 41.4884% | 224 |
| Memoranda: | ||
| Average total assets | $55,751,000 | 5,977 |
| Average earning assets | $52,844,330 | 5,905 |
| Average equity | $10,453,670 | 4,841 |
| Average total loans | $29,727,330 | 5,855 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0587% | 3,894 |
| Cost of funding earning assets | 0.6080% | 3,031 |
| Net interest margin | 3.4506% | 3,906 |
| Noninterest income to average assets | 0.2018% | 6,035 |
| Noninterest expense to average assets | 2.7671% | 3,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6197% | 4,122 |
| Return on assets (ROA) | 0.6197% | 4,282 |
| Pretax return on assets | 0.7062% | 4,550 |
| Return on Equity (ROE) | 3.2870% | 5,438 |
| Retained earnings to average equity (ytd only) | 3.2870% | 4,275 |
| Net charge-offs to loans | -0.0400% | 6,031 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6680% | 2,381 |
| Assets per employee ($millions) | 3.7700% | 4,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7690% | 2,741 |
| Loan loss allowance to noncurrent loans | 25.8477% | 6,169 |
| Noncurrent assets plus other real estate owned to assets | 4.5093% | 827 |
| Noncurrent loans to loans | 6.8440% | 439 |
| Net loans and leases to total assets | 51.6499% | 4,752 |
| Net loans and leases to deposits | 63.9503% | 4,325 |
| Net loans and leases to core deposits | 65.1790% | 4,635 |
| Total domestic deposits to total assets | 80.7657% | 5,555 |
| Equity capital to assets | 18.5959% | 297 |
| Core capital (leverage) ratio | 18.7506% | 248 |
| Tier 1 risk-based capital ratio | 40.0115% | 233 |
| Total risk-based capital ratio | 41.2712% | 230 |
| Memoranda: | ||
| Average total assets | $55,509,000 | 6,033 |
| Average earning assets | $52,628,000 | 5,960 |
| Average equity | $10,465,500 | 4,892 |
| Average total loans | $30,007,000 | 5,892 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3775% | 3,912 |
| Cost of funding earning assets | 0.7371% | 3,187 |
| Net interest margin | 3.6404% | 3,918 |
| Noninterest income to average assets | 0.5329% | 3,691 |
| Noninterest expense to average assets | 2.8349% | 3,895 |
| Loan and lease loss provision to assets | 0.1077% | 4,291 |
| Net operating income to assets | 0.9348% | 2,626 |
| Return on assets (ROA) | 0.9348% | 2,868 |
| Pretax return on assets | 1.0550% | 3,341 |
| Return on Equity (ROE) | 4.9831% | 4,684 |
| Retained earnings to average equity (ytd only) | 3.1371% | 4,031 |
| Net charge-offs to loans | 0.1582% | 4,115 |
| Credit loss provision to net charge-offs | 120.0000% | 2,388 |
| Earnings coverage of net charge-offs (x) | 12.9600% | 1,880 |
| Efficiency ratio | 70.9156% | 3,636 |
| Assets per employee ($millions) | 3.6312% | 4,704 |
| Cash dividends to net income (ytd only)* | 37.0441% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7272% | 2,827 |
| Loan loss allowance to noncurrent loans | 42.2797% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 3.2496% | 1,421 |
| Noncurrent loans to loans | 4.0852% | 1,141 |
| Net loans and leases to total assets | 54.6321% | 4,522 |
| Net loans and leases to deposits | 68.5550% | 3,900 |
| Net loans and leases to core deposits | 69.9737% | 4,320 |
| Total domestic deposits to total assets | 79.6908% | 5,745 |
| Equity capital to assets | 19.1213% | 260 |
| Core capital (leverage) ratio | 19.3187% | 224 |
| Tier 1 risk-based capital ratio | 39.8841% | 239 |
| Total risk-based capital ratio | 41.1426% | 236 |
| Memoranda: | ||
| Average total assets | $55,733,200 | 6,029 |
| Average earning assets | $53,043,400 | 5,954 |
| Average equity | $10,455,400 | 4,879 |
| Average total loans | $31,606,400 | 5,870 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3925% | 4,085 |
| Cost of funding earning assets | 0.7558% | 3,301 |
| Net interest margin | 3.6367% | 4,072 |
| Noninterest income to average assets | 0.5614% | 3,535 |
| Noninterest expense to average assets | 2.8450% | 3,822 |
| Loan and lease loss provision to assets | 0.1427% | 3,750 |
| Net operating income to assets | 0.8516% | 3,206 |
| Return on assets (ROA) | 0.8516% | 3,462 |
| Pretax return on assets | 1.0419% | 3,559 |
| Return on Equity (ROE) | 4.5609% | 5,018 |
| Retained earnings to average equity (ytd only) | 4.5609% | 3,692 |
| Net charge-offs to loans | 0.2171% | 3,425 |
| Credit loss provision to net charge-offs | 115.3846% | 2,521 |
| Earnings coverage of net charge-offs (x) | 9.5771% | 2,305 |
| Efficiency ratio | 70.6021% | 3,572 |
| Assets per employee ($millions) | 3.6241% | 4,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6866% | 3,193 |
| Loan loss allowance to noncurrent loans | 35.3700% | 5,875 |
| Noncurrent assets plus other real estate owned to assets | 3.8961% | 1,251 |
| Noncurrent loans to loans | 4.7684% | 974 |
| Net loans and leases to total assets | 55.8662% | 4,476 |
| Net loans and leases to deposits | 70.0658% | 3,889 |
| Net loans and leases to core deposits | 71.4807% | 4,319 |
| Total domestic deposits to total assets | 79.7340% | 5,723 |
| Equity capital to assets | 19.5743% | 259 |
| Core capital (leverage) ratio | 19.0250% | 248 |
| Tier 1 risk-based capital ratio | 39.9341% | 245 |
| Total risk-based capital ratio | 41.1945% | 239 |
| Memoranda: | ||
| Average total assets | $56,049,500 | 6,089 |
| Average earning assets | $53,453,000 | 6,010 |
| Average equity | $10,465,500 | 4,925 |
| Average total loans | $31,938,000 | 5,930 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4175% | 4,116 |
| Cost of funding earning assets | 0.7671% | 3,465 |
| Net interest margin | 3.6504% | 4,037 |
| Noninterest income to average assets | 0.5723% | 3,429 |
| Noninterest expense to average assets | 2.7803% | 4,093 |
| Loan and lease loss provision to assets | 0.0707% | 4,745 |
| Net operating income to assets | 0.9440% | 2,688 |
| Return on assets (ROA) | 0.9468% | 2,935 |
| Pretax return on assets | 1.2047% | 2,904 |
| Return on Equity (ROE) | 5.1504% | 4,733 |
| Retained earnings to average equity (ytd only) | 5.1504% | 3,188 |
| Net charge-offs to loans | 0.0743% | 4,407 |
| Credit loss provision to net charge-offs | 166.6667% | 1,669 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,068 |
| Efficiency ratio | 68.6138% | 4,019 |
| Assets per employee ($millions) | 3.6778% | 4,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6380% | 3,469 |
| Loan loss allowance to noncurrent loans | 35.5147% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 3.7831% | 1,370 |
| Noncurrent loans to loans | 4.6120% | 1,133 |
| Net loans and leases to total assets | 56.7133% | 4,365 |
| Net loans and leases to deposits | 70.6046% | 3,806 |
| Net loans and leases to core deposits | 71.9953% | 4,296 |
| Total domestic deposits to total assets | 80.3252% | 5,657 |
| Equity capital to assets | 19.0984% | 271 |
| Core capital (leverage) ratio | 18.4747% | 272 |
| Tier 1 risk-based capital ratio | 38.3380% | 269 |
| Total risk-based capital ratio | 39.5956% | 258 |
| Memoranda: | ||
| Average total assets | $56,612,000 | 6,122 |
| Average earning assets | $53,966,670 | 6,030 |
| Average equity | $10,407,000 | 4,934 |
| Average total loans | $32,287,000 | 5,950 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4128% | 4,278 |
| Cost of funding earning assets | 0.7830% | 3,602 |
| Net interest margin | 3.6297% | 4,128 |
| Noninterest income to average assets | 0.5232% | 3,758 |
| Noninterest expense to average assets | 2.6651% | 4,566 |
| Loan and lease loss provision to assets | 0.1395% | 3,611 |
| Net operating income to assets | 0.9279% | 2,795 |
| Return on assets (ROA) | 0.9279% | 3,001 |
| Pretax return on assets | 1.1790% | 2,995 |
| Return on Equity (ROE) | 5.1438% | 4,717 |
| Retained earnings to average equity (ytd only) | 5.1438% | 3,473 |
| Net charge-offs to loans | 0.0738% | 3,761 |
| Credit loss provision to net charge-offs | 333.3333% | 895 |
| Earnings coverage of net charge-offs (x) | 31.5000% | 884 |
| Efficiency ratio | 66.9002% | 4,377 |
| Assets per employee ($millions) | 3.9001% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6364% | 3,591 |
| Loan loss allowance to noncurrent loans | 39.4461% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 3.2597% | 1,768 |
| Noncurrent loans to loans | 4.1484% | 1,454 |
| Net loans and leases to total assets | 54.1486% | 4,694 |
| Net loans and leases to deposits | 66.2636% | 4,334 |
| Net loans and leases to core deposits | 67.8330% | 4,700 |
| Total domestic deposits to total assets | 81.7169% | 5,389 |
| Equity capital to assets | 17.7515% | 356 |
| Core capital (leverage) ratio | 17.7886% | 304 |
| Tier 1 risk-based capital ratio | 36.3604% | 303 |
| Total risk-based capital ratio | 37.6190% | 295 |
| Memoranda: | ||
| Average total assets | $57,334,500 | 6,137 |
| Average earning assets | $54,659,500 | 6,048 |
| Average equity | $10,342,500 | 4,959 |
| Average total loans | $32,526,500 | 5,978 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6146% | 4,615 |
| Cost of funding earning assets | 0.9365% | 3,824 |
| Net interest margin | 3.6780% | 4,400 |
| Noninterest income to average assets | 0.3567% | 4,958 |
| Noninterest expense to average assets | 2.7786% | 4,433 |
| Loan and lease loss provision to assets | 0.1137% | 5,170 |
| Net operating income to assets | 0.8813% | 2,682 |
| Return on assets (ROA) | 0.8813% | 2,817 |
| Pretax return on assets | 0.9600% | 3,392 |
| Return on Equity (ROE) | 5.0329% | 4,373 |
| Retained earnings to average equity (ytd only) | 3.8046% | 3,508 |
| Net charge-offs to loans | 0.6535% | 2,515 |
| Credit loss provision to net charge-offs | 29.5455% | 5,792 |
| Earnings coverage of net charge-offs (x) | 2.7909% | 3,823 |
| Efficiency ratio | 72.1289% | 3,552 |
| Assets per employee ($millions) | 3.7445% | 4,450 |
| Cash dividends to net income (ytd only)* | 24.4048% | 3,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5617% | 3,744 |
| Loan loss allowance to noncurrent loans | 46.0503% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 2.9964% | 2,012 |
| Noncurrent loans to loans | 3.3914% | 1,903 |
| Net loans and leases to total assets | 57.5694% | 4,448 |
| Net loans and leases to deposits | 71.2178% | 3,912 |
| Net loans and leases to core deposits | 72.5033% | 4,445 |
| Total domestic deposits to total assets | 80.8357% | 5,502 |
| Equity capital to assets | 18.3382% | 326 |
| Core capital (leverage) ratio | 17.8219% | 309 |
| Tier 1 risk-based capital ratio | 37.8677% | 274 |
| Total risk-based capital ratio | 39.1280% | 266 |
| Memoranda: | ||
| Average total assets | $57,187,000 | 6,133 |
| Average earning assets | $54,349,800 | 6,033 |
| Average equity | $10,014,200 | 5,015 |
| Average total loans | $33,664,600 | 5,970 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5279% | 5,177 |
| Cost of funding earning assets | 0.9573% | 3,985 |
| Net interest margin | 3.5705% | 4,898 |
| Noninterest income to average assets | 0.4480% | 4,311 |
| Noninterest expense to average assets | 2.7761% | 4,435 |
| Loan and lease loss provision to assets | 0.1277% | 4,833 |
| Net operating income to assets | 0.8240% | 3,049 |
| Return on assets (ROA) | 0.8240% | 3,214 |
| Pretax return on assets | 0.9377% | 3,629 |
| Return on Equity (ROE) | 4.7605% | 4,635 |
| Retained earnings to average equity (ytd only) | 4.7605% | 3,343 |
| Net charge-offs to loans | 0.5984% | 2,466 |
| Credit loss provision to net charge-offs | 36.1842% | 5,321 |
| Earnings coverage of net charge-offs (x) | 3.0197% | 3,624 |
| Efficiency ratio | 72.2659% | 3,501 |
| Assets per employee ($millions) | 3.8849% | 4,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7279% | 3,177 |
| Loan loss allowance to noncurrent loans | 45.4256% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 3.2107% | 1,984 |
| Noncurrent loans to loans | 3.8039% | 1,776 |
| Net loans and leases to total assets | 55.7274% | 4,882 |
| Net loans and leases to deposits | 68.1397% | 4,580 |
| Net loans and leases to core deposits | 69.3104% | 5,026 |
| Total domestic deposits to total assets | 81.7840% | 5,165 |
| Equity capital to assets | 17.6583% | 427 |
| Core capital (leverage) ratio | 17.8695% | 335 |
| Tier 1 risk-based capital ratio | 37.7709% | 287 |
| Total risk-based capital ratio | 39.0315% | 282 |
| Memoranda: | ||
| Average total assets | $57,442,000 | 6,167 |
| Average earning assets | $54,593,500 | 6,077 |
| Average equity | $9,942,750 | 5,049 |
| Average total loans | $33,868,750 | 6,026 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5618% | 5,131 |
| Cost of funding earning assets | 0.9912% | 4,007 |
| Net interest margin | 3.5706% | 4,835 |
| Noninterest income to average assets | 0.4338% | 4,399 |
| Noninterest expense to average assets | 2.8549% | 4,212 |
| Loan and lease loss provision to assets | 0.1924% | 3,999 |
| Net operating income to assets | 0.6542% | 3,777 |
| Return on assets (ROA) | 0.6542% | 3,901 |
| Pretax return on assets | 0.7767% | 4,112 |
| Return on Equity (ROE) | 3.8058% | 5,019 |
| Retained earnings to average equity (ytd only) | 3.8058% | 3,792 |
| Net charge-offs to loans | 0.8786% | 1,763 |
| Credit loss provision to net charge-offs | 36.6667% | 4,875 |
| Earnings coverage of net charge-offs (x) | 1.8467% | 3,947 |
| Efficiency ratio | 74.6569% | 3,247 |
| Assets per employee ($millions) | 3.7193% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7155% | 3,274 |
| Loan loss allowance to noncurrent loans | 41.8860% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 3.5527% | 1,844 |
| Noncurrent loans to loans | 4.0956% | 1,681 |
| Net loans and leases to total assets | 58.8449% | 4,491 |
| Net loans and leases to deposits | 72.1802% | 4,083 |
| Net loans and leases to core deposits | 72.9906% | 4,707 |
| Total domestic deposits to total assets | 81.5250% | 5,343 |
| Equity capital to assets | 17.9480% | 384 |
| Core capital (leverage) ratio | 17.5900% | 363 |
| Tier 1 risk-based capital ratio | 36.8307% | 303 |
| Total risk-based capital ratio | 38.0919% | 297 |
| Memoranda: | ||
| Average total assets | $57,165,000 | 6,232 |
| Average earning assets | $54,276,670 | 6,138 |
| Average equity | $9,827,000 | 5,093 |
| Average total loans | $34,143,330 | 6,063 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6065% | 4,914 |
| Cost of funding earning assets | 1.0131% | 4,102 |
| Net interest margin | 3.5934% | 4,596 |
| Noninterest income to average assets | 0.3180% | 5,378 |
| Noninterest expense to average assets | 2.7241% | 4,739 |
| Loan and lease loss provision to assets | 0.3803% | 2,284 |
| Net operating income to assets | 0.5531% | 4,261 |
| Return on assets (ROA) | 0.5531% | 4,345 |
| Pretax return on assets | 0.6223% | 4,596 |
| Return on Equity (ROE) | 3.2874% | 5,245 |
| Retained earnings to average equity (ytd only) | 3.2874% | 4,212 |
| Net charge-offs to loans | 0.3825% | 2,542 |
| Credit loss provision to net charge-offs | 166.6667% | 1,724 |
| Earnings coverage of net charge-offs (x) | 4.3939% | 2,488 |
| Efficiency ratio | 73.0983% | 3,661 |
| Assets per employee ($millions) | 3.8531% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0137% | 2,374 |
| Loan loss allowance to noncurrent loans | 42.5139% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 3.8791% | 1,725 |
| Noncurrent loans to loans | 4.7366% | 1,457 |
| Net loans and leases to total assets | 58.0913% | 4,633 |
| Net loans and leases to deposits | 70.5031% | 4,270 |
| Net loans and leases to core deposits | 71.7905% | 4,817 |
| Total domestic deposits to total assets | 82.3953% | 5,150 |
| Equity capital to assets | 16.8850% | 454 |
| Core capital (leverage) ratio | 16.8980% | 403 |
| Tier 1 risk-based capital ratio | 35.0681% | 347 |
| Total risk-based capital ratio | 36.3323% | 340 |
| Memoranda: | ||
| Average total assets | $57,853,000 | 6,266 |
| Average earning assets | $54,878,500 | 6,171 |
| Average equity | $9,734,000 | 5,113 |
| Average total loans | $34,514,000 | 6,103 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9320% | 4,869 |
| Cost of funding earning assets | 1.1991% | 4,569 |
| Net interest margin | 3.7329% | 4,216 |
| Noninterest income to average assets | 0.4536% | 4,488 |
| Noninterest expense to average assets | 2.7004% | 4,987 |
| Loan and lease loss provision to assets | 0.2118% | 5,134 |
| Net operating income to assets | 0.8948% | 2,417 |
| Return on assets (ROA) | 0.8948% | 2,546 |
| Pretax return on assets | 1.0855% | 2,639 |
| Return on Equity (ROE) | 5.2405% | 3,972 |
| Retained earnings to average equity (ytd only) | 3.9692% | 3,091 |
| Net charge-offs to loans | 0.5476% | 3,416 |
| Credit loss provision to net charge-offs | 60.3015% | 6,076 |
| Earnings coverage of net charge-offs (x) | 3.6935% | 3,236 |
| Efficiency ratio | 67.5497% | 4,660 |
| Assets per employee ($millions) | 3.8606% | 4,110 |
| Cash dividends to net income (ytd only)* | 24.2604% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9216% | 2,497 |
| Loan loss allowance to noncurrent loans | 46.6155% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 3.4399% | 2,029 |
| Noncurrent loans to loans | 4.1222% | 1,754 |
| Net loans and leases to total assets | 58.8769% | 4,877 |
| Net loans and leases to deposits | 71.6116% | 4,583 |
| Net loans and leases to core deposits | 72.4547% | 5,165 |
| Total domestic deposits to total assets | 82.2169% | 5,118 |
| Equity capital to assets | 16.7660% | 483 |
| Core capital (leverage) ratio | 16.8802% | 408 |
| Tier 1 risk-based capital ratio | 34.6291% | 355 |
| Total risk-based capital ratio | 35.8916% | 351 |
| Memoranda: | ||
| Average total assets | $56,658,000 | 6,323 |
| Average earning assets | $53,791,400 | 6,221 |
| Average equity | $9,674,600 | 5,218 |
| Average total loans | $36,337,600 | 6,098 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9831% | 4,898 |
| Cost of funding earning assets | 1.2402% | 4,628 |
| Net interest margin | 3.7429% | 4,214 |
| Noninterest income to average assets | 0.4330% | 4,689 |
| Noninterest expense to average assets | 2.7567% | 4,654 |
| Loan and lease loss provision to assets | 0.1964% | 5,072 |
| Net operating income to assets | 0.8732% | 2,719 |
| Return on assets (ROA) | 0.8732% | 2,857 |
| Pretax return on assets | 1.0364% | 3,045 |
| Return on Equity (ROE) | 5.0899% | 4,242 |
| Retained earnings to average equity (ytd only) | 5.0899% | 2,920 |
| Net charge-offs to loans | 0.3775% | 3,793 |
| Credit loss provision to net charge-offs | 79.8077% | 5,140 |
| Earnings coverage of net charge-offs (x) | 5.0097% | 2,872 |
| Efficiency ratio | 69.0985% | 4,248 |
| Assets per employee ($millions) | 4.1384% | 3,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0224% | 2,167 |
| Loan loss allowance to noncurrent loans | 48.0769% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 3.5227% | 2,018 |
| Noncurrent loans to loans | 4.2067% | 1,738 |
| Net loans and leases to total assets | 60.6217% | 4,798 |
| Net loans and leases to deposits | 73.8856% | 4,531 |
| Net loans and leases to core deposits | 74.7552% | 5,200 |
| Total domestic deposits to total assets | 82.0481% | 4,971 |
| Equity capital to assets | 17.1666% | 500 |
| Core capital (leverage) ratio | 16.4865% | 493 |
| Tier 1 risk-based capital ratio | 33.1402% | 405 |
| Total risk-based capital ratio | 34.4051% | 394 |
| Memoranda: | ||
| Average total assets | $56,345,250 | 6,409 |
| Average earning assets | $53,539,500 | 6,296 |
| Average equity | $9,666,000 | 5,298 |
| Average total loans | $36,731,250 | 6,161 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0694% | 4,613 |
| Cost of funding earning assets | 1.3023% | 4,523 |
| Net interest margin | 3.7671% | 4,060 |
| Noninterest income to average assets | 0.4479% | 4,536 |
| Noninterest expense to average assets | 2.7806% | 4,574 |
| Loan and lease loss provision to assets | 0.1612% | 5,278 |
| Net operating income to assets | 0.8922% | 2,575 |
| Return on assets (ROA) | 0.8922% | 2,699 |
| Pretax return on assets | 1.0822% | 2,838 |
| Return on Equity (ROE) | 5.2023% | 4,183 |
| Retained earnings to average equity (ytd only) | 5.2023% | 2,775 |
| Net charge-offs to loans | 0.2107% | 4,350 |
| Credit loss provision to net charge-offs | 115.3846% | 3,516 |
| Earnings coverage of net charge-offs (x) | 8.8974% | 2,083 |
| Efficiency ratio | 69.1006% | 4,357 |
| Assets per employee ($millions) | 4.1536% | 3,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0680% | 2,037 |
| Loan loss allowance to noncurrent loans | 62.0775% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 2.9303% | 2,454 |
| Noncurrent loans to loans | 3.3313% | 2,399 |
| Net loans and leases to total assets | 61.3214% | 4,816 |
| Net loans and leases to deposits | 74.3051% | 4,631 |
| Net loans and leases to core deposits | 76.5428% | 5,134 |
| Total domestic deposits to total assets | 82.5265% | 4,774 |
| Equity capital to assets | 16.6756% | 574 |
| Core capital (leverage) ratio | 16.9866% | 443 |
| Tier 1 risk-based capital ratio | 33.6707% | 386 |
| Total risk-based capital ratio | 34.9369% | 381 |
| Memoranda: | ||
| Average total assets | $55,814,330 | 6,463 |
| Average earning assets | $52,985,000 | 6,364 |
| Average equity | $9,572,670 | 5,322 |
| Average total loans | $37,025,670 | 6,193 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2637% | 3,715 |
| Cost of funding earning assets | 1.3990% | 4,180 |
| Net interest margin | 3.8647% | 3,487 |
| Noninterest income to average assets | 0.4758% | 4,240 |
| Noninterest expense to average assets | 2.7376% | 4,729 |
| Loan and lease loss provision to assets | 0.1684% | 4,846 |
| Net operating income to assets | 1.0467% | 2,014 |
| Return on assets (ROA) | 1.0467% | 2,075 |
| Pretax return on assets | 1.2297% | 2,264 |
| Return on Equity (ROE) | 6.0144% | 3,877 |
| Retained earnings to average equity (ytd only) | 6.0144% | 2,618 |
| Net charge-offs to loans | 0.0107% | 5,436 |
| Credit loss provision to net charge-offs | 2,300.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 191.0000% | 179 |
| Efficiency ratio | 66.1947% | 5,075 |
| Assets per employee ($millions) | 3.6539% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0750% | 2,003 |
| Loan loss allowance to noncurrent loans | 46.3253% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 3.9264% | 1,761 |
| Noncurrent loans to loans | 4.4792% | 1,669 |
| Net loans and leases to total assets | 66.2148% | 3,803 |
| Net loans and leases to deposits | 81.2843% | 3,409 |
| Net loans and leases to core deposits | 82.9338% | 4,352 |
| Total domestic deposits to total assets | 81.4607% | 5,283 |
| Equity capital to assets | 17.5011% | 470 |
| Core capital (leverage) ratio | 17.5018% | 403 |
| Tier 1 risk-based capital ratio | 32.7369% | 413 |
| Total risk-based capital ratio | 34.0060% | 408 |
| Memoranda: | ||
| Average total assets | $54,646,000 | 6,585 |
| Average earning assets | $51,751,000 | 6,487 |
| Average equity | $9,510,500 | 5,376 |
| Average total loans | $37,332,500 | 6,244 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5466% | 3,895 |
| Cost of funding earning assets | 1.8089% | 3,940 |
| Net interest margin | 3.7378% | 3,961 |
| Noninterest income to average assets | 0.5598% | 3,947 |
| Noninterest expense to average assets | 2.8626% | 4,690 |
| Loan and lease loss provision to assets | 0.5710% | 3,521 |
| Net operating income to assets | 0.5859% | 3,379 |
| Return on assets (ROA) | 0.5859% | 3,459 |
| Pretax return on assets | 0.6699% | 3,685 |
| Return on Equity (ROE) | 3.3868% | 4,340 |
| Retained earnings to average equity (ytd only) | 2.5562% | 3,361 |
| Net charge-offs to loans | 0.1359% | 5,846 |
| Credit loss provision to net charge-offs | 600.0000% | 493 |
| Earnings coverage of net charge-offs (x) | 13.0392% | 1,457 |
| Efficiency ratio | 69.7590% | 4,677 |
| Assets per employee ($millions) | 3.6323% | 4,694 |
| Cash dividends to net income (ytd only)* | 24.5223% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9864% | 2,067 |
| Loan loss allowance to noncurrent loans | 49.5358% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 4.0599% | 1,627 |
| Noncurrent loans to loans | 4.0101% | 1,850 |
| Net loans and leases to total assets | 67.6492% | 3,786 |
| Net loans and leases to deposits | 84.0835% | 3,250 |
| Net loans and leases to core deposits | 109.7716% | 2,917 |
| Total domestic deposits to total assets | 80.4548% | 5,533 |
| Equity capital to assets | 17.3060% | 520 |
| Core capital (leverage) ratio | 17.2443% | 463 |
| Tier 1 risk-based capital ratio | 31.1932% | 469 |
| Total risk-based capital ratio | 32.4578% | 469 |
| Memoranda: | ||
| Average total assets | $53,588,400 | 6,572 |
| Average earning assets | $50,805,600 | 6,501 |
| Average equity | $9,271,400 | 5,523 |
| Average total loans | $37,514,400 | 6,222 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5498% | 4,160 |
| Cost of funding earning assets | 1.8780% | 4,001 |
| Net interest margin | 3.6718% | 4,195 |
| Noninterest income to average assets | 0.5572% | 4,029 |
| Noninterest expense to average assets | 2.8658% | 4,587 |
| Loan and lease loss provision to assets | 0.7396% | 2,528 |
| Net operating income to assets | 0.4272% | 4,290 |
| Return on assets (ROA) | 0.4272% | 4,393 |
| Pretax return on assets | 0.4397% | 4,692 |
| Return on Equity (ROE) | 2.4696% | 5,006 |
| Retained earnings to average equity (ytd only) | 2.4696% | 3,946 |
| Net charge-offs to loans | 0.1814% | 4,936 |
| Credit loss provision to net charge-offs | 580.3922% | 669 |
| Earnings coverage of net charge-offs (x) | 9.2547% | 2,130 |
| Efficiency ratio | 70.8462% | 4,449 |
| Assets per employee ($millions) | 3.3385% | 5,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9872% | 1,833 |
| Loan loss allowance to noncurrent loans | 43.2512% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 4.5323% | 1,341 |
| Noncurrent loans to loans | 4.5946% | 1,506 |
| Net loans and leases to total assets | 68.0508% | 3,948 |
| Net loans and leases to deposits | 84.0987% | 3,626 |
| Net loans and leases to core deposits | 110.5603% | 3,177 |
| Total domestic deposits to total assets | 80.9177% | 5,111 |
| Equity capital to assets | 17.6183% | 550 |
| Core capital (leverage) ratio | 17.2973% | 515 |
| Tier 1 risk-based capital ratio | 31.6569% | 484 |
| Total risk-based capital ratio | 32.9219% | 475 |
| Memoranda: | ||
| Average total assets | $53,364,500 | 6,626 |
| Average earning assets | $50,691,250 | 6,550 |
| Average equity | $9,232,000 | 5,578 |
| Average total loans | $37,491,750 | 6,261 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5626% | 4,269 |
| Cost of funding earning assets | 1.9396% | 4,063 |
| Net interest margin | 3.6230% | 4,270 |
| Noninterest income to average assets | 0.4761% | 4,665 |
| Noninterest expense to average assets | 2.8343% | 4,810 |
| Loan and lease loss provision to assets | 0.6973% | 2,336 |
| Net operating income to assets | 0.4086% | 4,482 |
| Return on assets (ROA) | 0.4086% | 4,587 |
| Pretax return on assets | 0.3899% | 4,964 |
| Return on Equity (ROE) | 2.3767% | 5,146 |
| Retained earnings to average equity (ytd only) | 2.3767% | 4,009 |
| Net charge-offs to loans | 0.2817% | 3,780 |
| Credit loss provision to net charge-offs | 350.9434% | 1,320 |
| Earnings coverage of net charge-offs (x) | 5.4717% | 2,828 |
| Efficiency ratio | 72.2753% | 4,354 |
| Assets per employee ($millions) | 3.3109% | 5,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6547% | 2,509 |
| Loan loss allowance to noncurrent loans | 40.4008% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 3.5772% | 1,742 |
| Noncurrent loans to loans | 4.0956% | 1,632 |
| Net loans and leases to total assets | 70.1231% | 3,677 |
| Net loans and leases to deposits | 86.4105% | 3,475 |
| Net loans and leases to core deposits | 115.1167% | 2,796 |
| Total domestic deposits to total assets | 81.1511% | 5,018 |
| Equity capital to assets | 17.4123% | 613 |
| Core capital (leverage) ratio | 17.2594% | 583 |
| Tier 1 risk-based capital ratio | 30.9781% | 539 |
| Total risk-based capital ratio | 32.2379% | 531 |
| Memoranda: | ||
| Average total assets | $53,347,330 | 6,692 |
| Average earning assets | $50,732,000 | 6,602 |
| Average equity | $9,172,330 | 5,620 |
| Average total loans | $37,626,670 | 6,312 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5923% | 4,404 |
| Cost of funding earning assets | 2.0164% | 4,052 |
| Net interest margin | 3.5759% | 4,425 |
| Noninterest income to average assets | 0.3661% | 5,504 |
| Noninterest expense to average assets | 2.6376% | 5,287 |
| Loan and lease loss provision to assets | 0.6052% | 2,083 |
| Net operating income to assets | 0.4483% | 4,658 |
| Return on assets (ROA) | 0.4483% | 4,830 |
| Pretax return on assets | 0.5156% | 5,035 |
| Return on Equity (ROE) | 2.6240% | 5,518 |
| Retained earnings to average equity (ytd only) | 2.6240% | 4,423 |
| Net charge-offs to loans | 0.0959% | 4,218 |
| Credit loss provision to net charge-offs | 900.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 16.6667% | 1,539 |
| Efficiency ratio | 70.1789% | 4,539 |
| Assets per employee ($millions) | 2.7960% | 6,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5067% | 2,947 |
| Loan loss allowance to noncurrent loans | 30.4207% | 6,520 |
| Noncurrent assets plus other real estate owned to assets | 4.0471% | 1,263 |
| Noncurrent loans to loans | 4.9527% | 1,100 |
| Net loans and leases to total assets | 69.4037% | 3,819 |
| Net loans and leases to deposits | 85.6844% | 3,687 |
| Net loans and leases to core deposits | 118.3020% | 2,572 |
| Total domestic deposits to total assets | 80.9992% | 4,967 |
| Equity capital to assets | 17.3387% | 687 |
| Core capital (leverage) ratio | 16.9312% | 664 |
| Tier 1 risk-based capital ratio | 31.0515% | 578 |
| Total risk-based capital ratio | 32.3110% | 566 |
| Memoranda: | ||
| Average total assets | $53,534,000 | 6,724 |
| Average earning assets | $50,784,000 | 6,628 |
| Average equity | $9,146,500 | 5,639 |
| Average total loans | $37,554,000 | 6,353 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8074% | 6,400 |
| Cost of funding earning assets | 2.5147% | 4,126 |
| Net interest margin | 3.2927% | 6,064 |
| Noninterest income to average assets | 0.3114% | 6,226 |
| Noninterest expense to average assets | 2.5248% | 5,914 |
| Loan and lease loss provision to assets | 0.2657% | 4,273 |
| Net operating income to assets | 0.5982% | 4,309 |
| Return on assets (ROA) | 0.5982% | 4,174 |
| Pretax return on assets | 0.6264% | 4,608 |
| Return on Equity (ROE) | 3.8184% | 4,889 |
| Retained earnings to average equity (ytd only) | 2.8301% | 3,413 |
| Net charge-offs to loans | 0.5917% | 2,056 |
| Credit loss provision to net charge-offs | 68.0180% | 6,109 |
| Earnings coverage of net charge-offs (x) | 2.2838% | 4,936 |
| Efficiency ratio | 73.8929% | 3,594 |
| Assets per employee ($millions) | 2.8392% | 6,470 |
| Cash dividends to net income (ytd only)* | 25.8824% | 4,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 3,739 |
| Loan loss allowance to noncurrent loans | 33.7680% | 6,476 |
| Noncurrent assets plus other real estate owned to assets | 3.3702% | 1,332 |
| Noncurrent loans to loans | 3.8674% | 1,281 |
| Net loans and leases to total assets | 68.9270% | 4,268 |
| Net loans and leases to deposits | 84.8846% | 4,274 |
| Net loans and leases to core deposits | 115.6121% | 3,163 |
| Total domestic deposits to total assets | 81.2009% | 4,562 |
| Equity capital to assets | 16.8360% | 793 |
| Core capital (leverage) ratio | 17.3289% | 666 |
| Tier 1 risk-based capital ratio | 30.2571% | 625 |
| Total risk-based capital ratio | 31.5125% | 608 |
| Memoranda: | ||
| Average total assets | $56,836,600 | 6,498 |
| Average earning assets | $53,603,800 | 6,434 |
| Average equity | $8,904,200 | 5,773 |
| Average total loans | $37,518,000 | 6,290 |