Home > Fowler State Bank > Performance and Condition Ratios
Fowler State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0258% | 3,923 |
| Cost of funding earning assets | 1.5562% | 1,795 |
| Net interest margin | 2.4696% | 4,119 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 1.6798% | 4,158 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.7415% | 3,073 |
| Return on assets (ROA) | 0.7415% | 3,054 |
| Pretax return on assets | 0.9360% | 2,857 |
| Return on Equity (ROE) | 5.8700% | 3,546 |
| Retained earnings to average equity (ytd only) | 5.4155% | 2,436 |
| Net charge-offs to loans | -0.0064% | 3,890 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.7172% | 2,757 |
| Assets per employee ($millions) | 10.1335% | 680 |
| Cash dividends to net income (ytd only)* | 7.7160% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9160% | 441 |
| Loan loss allowance to noncurrent loans | 673.2620% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 2,572 |
| Noncurrent loans to loans | 0.2846% | 2,163 |
| Net loans and leases to total assets | 48.9200% | 3,666 |
| Net loans and leases to deposits | 60.7074% | 3,483 |
| Net loans and leases to core deposits | 70.7752% | 3,261 |
| Total domestic deposits to total assets | 80.5900% | 3,371 |
| Equity capital to assets | 12.7687% | 915 |
| Core capital (leverage) ratio | 12.7220% | 1,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $131,088,000 | 3,542 |
| Average earning assets | $125,564,400 | 3,483 |
| Average equity | $16,563,600 | 3,131 |
| Average total loans | $62,221,200 | 3,677 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9289% | 3,959 |
| Cost of funding earning assets | 1.4127% | 1,836 |
| Net interest margin | 2.5162% | 4,122 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 1.2485% | 4,465 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.1294% | 1,969 |
| Return on assets (ROA) | 1.1294% | 1,949 |
| Pretax return on assets | 1.4532% | 1,667 |
| Return on Equity (ROE) | 8.9600% | 2,942 |
| Retained earnings to average equity (ytd only) | 8.9618% | 1,698 |
| Net charge-offs to loans | -0.0369% | 4,302 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 45.5423% | 4,155 |
| Assets per employee ($millions) | 10.0828% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9944% | 389 |
| Loan loss allowance to noncurrent loans | 646.8421% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.1450% | 2,606 |
| Noncurrent loans to loans | 0.3083% | 2,131 |
| Net loans and leases to total assets | 46.0800% | 3,825 |
| Net loans and leases to deposits | 59.3564% | 3,542 |
| Net loans and leases to core deposits | 69.1687% | 3,256 |
| Total domestic deposits to total assets | 77.6200% | 3,859 |
| Equity capital to assets | 12.9954% | 816 |
| Core capital (leverage) ratio | 13.2255% | 1,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $130,926,000 | 3,551 |
| Average earning assets | $125,528,750 | 3,499 |
| Average equity | $16,499,250 | 3,120 |
| Average total loans | $61,349,250 | 3,694 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8813% | 3,901 |
| Cost of funding earning assets | 1.2773% | 1,769 |
| Net interest margin | 2.6040% | 4,109 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 1.2699% | 4,485 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.1675% | 1,916 |
| Return on assets (ROA) | 1.1675% | 1,913 |
| Pretax return on assets | 1.4930% | 1,616 |
| Return on Equity (ROE) | 9.3600% | 2,871 |
| Retained earnings to average equity (ytd only) | 9.3622% | 1,585 |
| Net charge-offs to loans | -0.0392% | 4,311 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 44.9919% | 4,207 |
| Assets per employee ($millions) | 9.9953% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9633% | 446 |
| Loan loss allowance to noncurrent loans | 431.3380% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.2186% | 2,100 |
| Noncurrent loans to loans | 0.4552% | 1,574 |
| Net loans and leases to total assets | 47.0800% | 3,736 |
| Net loans and leases to deposits | 58.9113% | 3,488 |
| Net loans and leases to core deposits | 68.3471% | 3,218 |
| Total domestic deposits to total assets | 79.9100% | 3,591 |
| Equity capital to assets | 12.8437% | 851 |
| Core capital (leverage) ratio | 12.5737% | 1,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $130,875,667 | 3,560 |
| Average earning assets | $125,576,000 | 3,504 |
| Average equity | $16,321,000 | 3,159 |
| Average total loans | $61,258,000 | 3,703 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7096% | 4,006 |
| Cost of funding earning assets | 1.0209% | 1,978 |
| Net interest margin | 2.6887% | 4,086 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 1.1177% | 4,596 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.2913% | 1,696 |
| Return on assets (ROA) | 1.2913% | 1,672 |
| Pretax return on assets | 1.6659% | 1,345 |
| Return on Equity (ROE) | 10.5100% | 2,630 |
| Retained earnings to average equity (ytd only) | 10.5100% | 1,579 |
| Net charge-offs to loans | 0.0330% | 1,058 |
| Credit loss provision to net charge-offs | 840.0000% | 399 |
| Earnings coverage of net charge-offs (x) | 117.8000% | 717 |
| Efficiency ratio | 38.3891% | 4,481 |
| Assets per employee ($millions) | 10.4227% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9715% | 464 |
| Loan loss allowance to noncurrent loans | 2,880.9524% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 3,470 |
| Noncurrent loans to loans | 0.0684% | 3,244 |
| Net loans and leases to total assets | 44.4000% | 3,846 |
| Net loans and leases to deposits | 56.1366% | 3,564 |
| Net loans and leases to core deposits | 63.7841% | 3,361 |
| Total domestic deposits to total assets | 79.1000% | 3,888 |
| Equity capital to assets | 12.0661% | 976 |
| Core capital (leverage) ratio | 12.4747% | 1,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $131,344,000 | 3,603 |
| Average earning assets | $126,158,500 | 3,544 |
| Average equity | $16,137,000 | 3,204 |
| Average total loans | $60,689,500 | 3,752 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0888% | 4,008 |
| Cost of funding earning assets | 0.5016% | 1,379 |
| Net interest margin | 2.5872% | 4,193 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.6706% | 4,221 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.8827% | 3,034 |
| Return on assets (ROA) | 0.8827% | 2,972 |
| Pretax return on assets | 1.1062% | 2,754 |
| Return on Equity (ROE) | 7.1000% | 3,621 |
| Retained earnings to average equity (ytd only) | 6.8749% | 2,292 |
| Net charge-offs to loans | -0.1617% | 4,603 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.9538% | 3,063 |
| Assets per employee ($millions) | 10.5994% | 562 |
| Cash dividends to net income (ytd only)* | 3.1876% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9549% | 470 |
| Loan loss allowance to noncurrent loans | 5,331.8182% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 3,678 |
| Noncurrent loans to loans | 0.0367% | 3,516 |
| Net loans and leases to total assets | 46.2500% | 3,787 |
| Net loans and leases to deposits | 57.5212% | 3,488 |
| Net loans and leases to core deposits | 65.2236% | 3,185 |
| Total domestic deposits to total assets | 80.4100% | 3,824 |
| Equity capital to assets | 12.5203% | 799 |
| Core capital (leverage) ratio | 12.2922% | 1,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $124,389,000 | 3,692 |
| Average earning assets | $119,627,600 | 3,628 |
| Average equity | $15,462,000 | 3,328 |
| Average total loans | $54,409,400 | 3,831 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9681% | 3,942 |
| Cost of funding earning assets | 0.4079% | 1,233 |
| Net interest margin | 2.5603% | 4,150 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 1.2224% | 4,615 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.2062% | 1,676 |
| Return on assets (ROA) | 1.2062% | 1,653 |
| Pretax return on assets | 1.5178% | 1,361 |
| Return on Equity (ROE) | 9.7200% | 2,812 |
| Retained earnings to average equity (ytd only) | 9.7220% | 1,425 |
| Net charge-offs to loans | -0.1333% | 4,564 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 44.3662% | 4,453 |
| Assets per employee ($millions) | 10.8693% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0081% | 499 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 42.6500% | 3,961 |
| Net loans and leases to deposits | 53.8194% | 3,613 |
| Net loans and leases to core deposits | 60.9274% | 3,313 |
| Total domestic deposits to total assets | 79.2500% | 4,164 |
| Equity capital to assets | 12.1758% | 852 |
| Core capital (leverage) ratio | 12.4263% | 1,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $123,688,000 | 3,722 |
| Average earning assets | $118,994,250 | 3,661 |
| Average equity | $15,346,250 | 3,377 |
| Average total loans | $53,010,750 | 3,868 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8243% | 3,938 |
| Cost of funding earning assets | 0.3494% | 1,265 |
| Net interest margin | 2.4749% | 4,127 |
| Noninterest income to average assets | 0.2915% | 3,423 |
| Noninterest expense to average assets | 1.2072% | 4,641 |
| Loan and lease loss provision to assets | 0.0329% | 1,996 |
| Net operating income to assets | 1.1215% | 1,695 |
| Return on assets (ROA) | 1.1215% | 1,672 |
| Pretax return on assets | 1.4312% | 1,356 |
| Return on Equity (ROE) | 8.9794% | 2,712 |
| Retained earnings to average equity (ytd only) | 8.9794% | 1,295 |
| Net charge-offs to loans | -0.2357% | 4,614 |
| Credit loss provision to net charge-offs | -32.7869% | 3,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1911% | 4,487 |
| Assets per employee ($millions) | 10.3301% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0500% | 501 |
| Loan loss allowance to noncurrent loans | 7,212.5000% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 3,897 |
| Noncurrent loans to loans | 0.0284% | 3,743 |
| Net loans and leases to total assets | 44.4801% | 3,797 |
| Net loans and leases to deposits | 54.2451% | 3,522 |
| Net loans and leases to core deposits | 61.1591% | 3,187 |
| Total domestic deposits to total assets | 81.9984% | 4,000 |
| Equity capital to assets | 12.4717% | 766 |
| Core capital (leverage) ratio | 12.2079% | 1,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,440,333 | 3,786 |
| Average earning assets | $116,774,000 | 3,740 |
| Average equity | $15,168,000 | 3,474 |
| Average total loans | $51,757,333 | 3,934 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9159% | 3,491 |
| Cost of funding earning assets | 0.3078% | 1,578 |
| Net interest margin | 2.6081% | 3,638 |
| Noninterest income to average assets | 0.2929% | 3,368 |
| Noninterest expense to average assets | 1.1516% | 4,680 |
| Loan and lease loss provision to assets | 0.0499% | 1,476 |
| Net operating income to assets | 1.2348% | 1,155 |
| Return on assets (ROA) | 1.2348% | 1,141 |
| Pretax return on assets | 1.6009% | 825 |
| Return on Equity (ROE) | 9.8788% | 2,004 |
| Retained earnings to average equity (ytd only) | 9.8788% | 1,050 |
| Net charge-offs to loans | -0.3556% | 4,678 |
| Credit loss provision to net charge-offs | -34.0909% | 2,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0926% | 4,623 |
| Assets per employee ($millions) | 10.3296% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1679% | 465 |
| Loan loss allowance to noncurrent loans | 5,660.0000% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 3,899 |
| Noncurrent loans to loans | 0.0383% | 3,703 |
| Net loans and leases to total assets | 41.2117% | 3,938 |
| Net loans and leases to deposits | 49.4358% | 3,778 |
| Net loans and leases to core deposits | 55.5237% | 3,489 |
| Total domestic deposits to total assets | 83.3641% | 3,891 |
| Equity capital to assets | 12.2593% | 872 |
| Core capital (leverage) ratio | 12.7558% | 827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,180,000 | 3,816 |
| Average earning assets | $115,641,500 | 3,772 |
| Average equity | $15,022,000 | 3,562 |
| Average total loans | $49,490,000 | 3,980 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1494% | 3,582 |
| Cost of funding earning assets | 0.3702% | 1,753 |
| Net interest margin | 2.7792% | 3,715 |
| Noninterest income to average assets | 0.2792% | 3,717 |
| Noninterest expense to average assets | 1.7591% | 4,208 |
| Loan and lease loss provision to assets | -0.0675% | 4,431 |
| Net operating income to assets | 1.0119% | 2,624 |
| Return on assets (ROA) | 1.0119% | 2,699 |
| Pretax return on assets | 1.2591% | 2,486 |
| Return on Equity (ROE) | 7.7075% | 3,316 |
| Retained earnings to average equity (ytd only) | 7.4642% | 1,737 |
| Net charge-offs to loans | -0.1572% | 4,670 |
| Credit loss provision to net charge-offs | 105.7143% | 1,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6166% | 3,212 |
| Assets per employee ($millions) | 9.7004% | 728 |
| Cash dividends to net income (ytd only)* | 3.1560% | 3,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2945% | 387 |
| Loan loss allowance to noncurrent loans | 5,109.5238% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 3,959 |
| Noncurrent loans to loans | 0.0449% | 3,755 |
| Net loans and leases to total assets | 39.2518% | 4,134 |
| Net loans and leases to deposits | 46.7676% | 4,058 |
| Net loans and leases to core deposits | 52.4738% | 3,857 |
| Total domestic deposits to total assets | 83.9294% | 3,583 |
| Equity capital to assets | 12.7555% | 975 |
| Core capital (leverage) ratio | 12.9174% | 824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,599,200 | 3,896 |
| Average earning assets | $105,352,800 | 3,849 |
| Average equity | $14,388,600 | 3,699 |
| Average total loans | $44,523,200 | 4,097 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1450% | 3,711 |
| Cost of funding earning assets | 0.3846% | 1,824 |
| Net interest margin | 2.7604% | 3,864 |
| Noninterest income to average assets | 0.2743% | 3,780 |
| Noninterest expense to average assets | 1.4149% | 4,673 |
| Loan and lease loss provision to assets | -0.0287% | 4,388 |
| Net operating income to assets | 1.2209% | 2,098 |
| Return on assets (ROA) | 1.2209% | 2,156 |
| Pretax return on assets | 1.5397% | 1,878 |
| Return on Equity (ROE) | 9.2288% | 3,030 |
| Retained earnings to average equity (ytd only) | 9.2288% | 1,606 |
| Net charge-offs to loans | -0.2366% | 4,789 |
| Credit loss provision to net charge-offs | 29.4872% | 1,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3530% | 4,339 |
| Assets per employee ($millions) | 9.3407% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4896% | 292 |
| Loan loss allowance to noncurrent loans | 646.8571% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 3,079 |
| Noncurrent loans to loans | 0.3849% | 2,404 |
| Net loans and leases to total assets | 39.5564% | 4,230 |
| Net loans and leases to deposits | 47.6445% | 4,136 |
| Net loans and leases to core deposits | 53.7913% | 3,931 |
| Total domestic deposits to total assets | 83.0241% | 3,702 |
| Equity capital to assets | 13.1879% | 930 |
| Core capital (leverage) ratio | 13.2652% | 781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,897,750 | 3,962 |
| Average earning assets | $103,655,000 | 3,916 |
| Average equity | $14,273,750 | 3,756 |
| Average total loans | $43,963,000 | 4,165 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9625% | 4,111 |
| Cost of funding earning assets | 0.3950% | 1,928 |
| Net interest margin | 2.5675% | 4,218 |
| Noninterest income to average assets | 0.2610% | 3,828 |
| Noninterest expense to average assets | 1.3728% | 4,743 |
| Loan and lease loss provision to assets | -0.0432% | 4,502 |
| Net operating income to assets | 1.1061% | 2,524 |
| Return on assets (ROA) | 1.1061% | 2,588 |
| Pretax return on assets | 1.3972% | 2,350 |
| Return on Equity (ROE) | 8.3520% | 3,301 |
| Retained earnings to average equity (ytd only) | 8.3520% | 1,961 |
| Net charge-offs to loans | -0.1841% | 4,780 |
| Credit loss provision to net charge-offs | 57.5000% | 1,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3444% | 4,208 |
| Assets per employee ($millions) | 9.1669% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3870% | 318 |
| Loan loss allowance to noncurrent loans | 1,272.0930% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 3,684 |
| Noncurrent loans to loans | 0.1876% | 3,295 |
| Net loans and leases to total assets | 40.6689% | 4,263 |
| Net loans and leases to deposits | 48.7002% | 4,178 |
| Net loans and leases to core deposits | 54.3287% | 4,006 |
| Total domestic deposits to total assets | 83.5086% | 3,573 |
| Equity capital to assets | 13.0769% | 922 |
| Core capital (leverage) ratio | 13.0384% | 792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,501,000 | 3,994 |
| Average earning assets | $102,279,333 | 3,948 |
| Average equity | $14,104,333 | 3,779 |
| Average total loans | $43,460,667 | 4,209 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0322% | 4,017 |
| Cost of funding earning assets | 0.4099% | 2,010 |
| Net interest margin | 2.6223% | 4,108 |
| Noninterest income to average assets | 0.2558% | 3,867 |
| Noninterest expense to average assets | 1.1990% | 4,857 |
| Loan and lease loss provision to assets | -0.0802% | 4,695 |
| Net operating income to assets | 1.2754% | 1,902 |
| Return on assets (ROA) | 1.2754% | 1,979 |
| Pretax return on assets | 1.6535% | 1,597 |
| Return on Equity (ROE) | 9.5675% | 2,830 |
| Retained earnings to average equity (ytd only) | 9.5675% | 1,774 |
| Net charge-offs to loans | 0.4542% | 182 |
| Credit loss provision to net charge-offs | -43.7500% | 2,753 |
| Earnings coverage of net charge-offs (x) | 8.5833% | 1,570 |
| Efficiency ratio | 43.2507% | 4,616 |
| Assets per employee ($millions) | 8.9464% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3597% | 327 |
| Loan loss allowance to noncurrent loans | 237.1765% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.3959% | 2,219 |
| Noncurrent loans to loans | 0.9949% | 1,352 |
| Net loans and leases to total assets | 38.8508% | 4,389 |
| Net loans and leases to deposits | 46.2811% | 4,336 |
| Net loans and leases to core deposits | 50.8237% | 4,253 |
| Total domestic deposits to total assets | 83.9452% | 3,455 |
| Equity capital to assets | 13.1608% | 869 |
| Core capital (leverage) ratio | 13.5617% | 731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,750,000 | 4,018 |
| Average earning assets | $100,521,000 | 3,973 |
| Average equity | $13,964,000 | 3,795 |
| Average total loans | $42,275,500 | 4,252 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9698% | 2,823 |
| Cost of funding earning assets | 0.7969% | 1,227 |
| Net interest margin | 3.1729% | 3,429 |
| Noninterest income to average assets | 0.3024% | 3,664 |
| Noninterest expense to average assets | 2.0411% | 4,059 |
| Loan and lease loss provision to assets | -0.1806% | 4,979 |
| Net operating income to assets | 1.1776% | 1,622 |
| Return on assets (ROA) | 1.1905% | 1,691 |
| Pretax return on assets | 1.4833% | 1,396 |
| Return on Equity (ROE) | 8.3621% | 2,668 |
| Retained earnings to average equity (ytd only) | 8.0994% | 1,025 |
| Net charge-offs to loans | -0.5661% | 4,955 |
| Credit loss provision to net charge-offs | 69.2623% | 3,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3359% | 3,257 |
| Assets per employee ($millions) | 8.5119% | 892 |
| Cash dividends to net income (ytd only)* | 3.1418% | 3,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5745% | 238 |
| Loan loss allowance to noncurrent loans | 172.8732% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.6099% | 1,732 |
| Noncurrent loans to loans | 1.4892% | 895 |
| Net loans and leases to total assets | 39.9019% | 4,443 |
| Net loans and leases to deposits | 46.3058% | 4,451 |
| Net loans and leases to core deposits | 50.7376% | 4,394 |
| Total domestic deposits to total assets | 86.1704% | 2,292 |
| Equity capital to assets | 13.5095% | 926 |
| Core capital (leverage) ratio | 13.8866% | 704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,576,200 | 4,071 |
| Average earning assets | $89,224,200 | 4,041 |
| Average equity | $13,322,000 | 3,832 |
| Average total loans | $43,102,400 | 4,252 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1047% | 2,663 |
| Cost of funding earning assets | 0.8868% | 1,110 |
| Net interest margin | 3.2179% | 3,436 |
| Noninterest income to average assets | 0.3048% | 3,666 |
| Noninterest expense to average assets | 1.6390% | 4,692 |
| Loan and lease loss provision to assets | 0.0350% | 3,901 |
| Net operating income to assets | 1.3488% | 1,236 |
| Return on assets (ROA) | 1.3663% | 1,284 |
| Pretax return on assets | 1.7163% | 937 |
| Return on Equity (ROE) | 9.4624% | 2,220 |
| Retained earnings to average equity (ytd only) | 9.4624% | 872 |
| Net charge-offs to loans | -0.1566% | 4,893 |
| Credit loss provision to net charge-offs | -47.0588% | 3,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6580% | 4,573 |
| Assets per employee ($millions) | 8.0797% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3745% | 273 |
| Loan loss allowance to noncurrent loans | 282.6772% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.3930% | 2,601 |
| Noncurrent loans to loans | 0.8400% | 1,753 |
| Net loans and leases to total assets | 45.6702% | 4,330 |
| Net loans and leases to deposits | 54.4817% | 4,319 |
| Net loans and leases to core deposits | 59.5946% | 4,227 |
| Total domestic deposits to total assets | 83.8267% | 2,881 |
| Equity capital to assets | 14.0878% | 832 |
| Core capital (leverage) ratio | 14.4301% | 640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,434,500 | 4,110 |
| Average earning assets | $87,051,750 | 4,068 |
| Average equity | $13,202,750 | 3,848 |
| Average total loans | $43,419,500 | 4,269 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3129% | 2,442 |
| Cost of funding earning assets | 0.9826% | 1,038 |
| Net interest margin | 3.3302% | 3,310 |
| Noninterest income to average assets | 0.3125% | 3,588 |
| Noninterest expense to average assets | 1.5782% | 4,795 |
| Loan and lease loss provision to assets | 0.0424% | 3,751 |
| Net operating income to assets | 1.4759% | 965 |
| Return on assets (ROA) | 1.5023% | 995 |
| Pretax return on assets | 1.8952% | 678 |
| Return on Equity (ROE) | 10.3136% | 1,877 |
| Retained earnings to average equity (ytd only) | 10.3136% | 733 |
| Net charge-offs to loans | -0.1590% | 4,912 |
| Credit loss provision to net charge-offs | -55.8824% | 3,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3205% | 4,759 |
| Assets per employee ($millions) | 7.8301% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3620% | 266 |
| Loan loss allowance to noncurrent loans | 181.5835% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.6183% | 1,966 |
| Noncurrent loans to loans | 1.3008% | 1,194 |
| Net loans and leases to total assets | 46.4139% | 4,343 |
| Net loans and leases to deposits | 55.4685% | 4,313 |
| Net loans and leases to core deposits | 60.2054% | 4,250 |
| Total domestic deposits to total assets | 83.6762% | 2,857 |
| Equity capital to assets | 14.2687% | 788 |
| Core capital (leverage) ratio | 14.6559% | 627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,594,000 | 4,137 |
| Average earning assets | $85,280,000 | 4,096 |
| Average equity | $13,050,667 | 3,864 |
| Average total loans | $42,773,667 | 4,298 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2184% | 3,157 |
| Cost of funding earning assets | 1.0967% | 1,053 |
| Net interest margin | 3.1217% | 4,044 |
| Noninterest income to average assets | 0.3341% | 3,526 |
| Noninterest expense to average assets | 1.4140% | 4,956 |
| Loan and lease loss provision to assets | -0.0092% | 5,040 |
| Net operating income to assets | 1.4918% | 801 |
| Return on assets (ROA) | 1.4918% | 874 |
| Pretax return on assets | 1.8991% | 570 |
| Return on Equity (ROE) | 10.1301% | 1,703 |
| Retained earnings to average equity (ytd only) | 10.1301% | 723 |
| Net charge-offs to loans | -0.2773% | 4,973 |
| Credit loss provision to net charge-offs | 6.8966% | 2,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7978% | 4,919 |
| Assets per employee ($millions) | 7.2840% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4977% | 249 |
| Loan loss allowance to noncurrent loans | 188.8073% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.6235% | 2,139 |
| Noncurrent loans to loans | 1.3229% | 1,228 |
| Net loans and leases to total assets | 45.9557% | 4,428 |
| Net loans and leases to deposits | 54.3125% | 4,430 |
| Net loans and leases to core deposits | 59.5723% | 4,378 |
| Total domestic deposits to total assets | 84.6135% | 2,561 |
| Equity capital to assets | 14.9197% | 775 |
| Core capital (leverage) ratio | 15.0546% | 675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,410,500 | 4,169 |
| Average earning assets | $83,160,000 | 4,124 |
| Average equity | $12,872,500 | 3,889 |
| Average total loans | $41,827,500 | 4,332 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3403% | 3,416 |
| Cost of funding earning assets | 1.1166% | 1,269 |
| Net interest margin | 3.2237% | 4,139 |
| Noninterest income to average assets | 0.3949% | 3,327 |
| Noninterest expense to average assets | 2.3191% | 3,898 |
| Loan and lease loss provision to assets | 0.0949% | 2,138 |
| Net operating income to assets | 0.8555% | 3,375 |
| Return on assets (ROA) | 0.8555% | 3,461 |
| Pretax return on assets | 1.0394% | 3,361 |
| Return on Equity (ROE) | 5.8524% | 3,960 |
| Retained earnings to average equity (ytd only) | 5.5317% | 2,143 |
| Net charge-offs to loans | 0.8617% | 189 |
| Credit loss provision to net charge-offs | 21.9512% | 3,311 |
| Earnings coverage of net charge-offs (x) | 2.6233% | 3,396 |
| Efficiency ratio | 67.1530% | 2,595 |
| Assets per employee ($millions) | 7.2844% | 941 |
| Cash dividends to net income (ytd only)* | 5.4795% | 3,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3600% | 259 |
| Loan loss allowance to noncurrent loans | 264.3799% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.4336% | 2,659 |
| Noncurrent loans to loans | 0.8927% | 1,721 |
| Net loans and leases to total assets | 47.4243% | 4,455 |
| Net loans and leases to deposits | 55.7064% | 4,468 |
| Net loans and leases to core deposits | 61.0440% | 4,387 |
| Total domestic deposits to total assets | 85.1326% | 2,443 |
| Equity capital to assets | 14.5333% | 921 |
| Core capital (leverage) ratio | 14.7081% | 740 |
| Tier 1 risk-based capital ratio | 24.4648% | 791 |
| Total risk-based capital ratio | 25.7219% | 775 |
| Memoranda: | ||
| Average total assets | $85,334,000 | 4,212 |
| Average earning assets | $80,962,000 | 4,167 |
| Average equity | $12,473,600 | 3,940 |
| Average total loans | $42,824,200 | 4,343 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3860% | 3,406 |
| Cost of funding earning assets | 1.1077% | 1,318 |
| Net interest margin | 3.2783% | 4,130 |
| Noninterest income to average assets | 0.3930% | 3,365 |
| Noninterest expense to average assets | 1.7685% | 4,856 |
| Loan and lease loss provision to assets | 0.0880% | 2,150 |
| Net operating income to assets | 1.3079% | 1,821 |
| Return on assets (ROA) | 1.3079% | 1,908 |
| Pretax return on assets | 1.6443% | 1,487 |
| Return on Equity (ROE) | 8.9345% | 2,917 |
| Retained earnings to average equity (ytd only) | 8.9345% | 1,069 |
| Net charge-offs to loans | 0.1678% | 1,006 |
| Credit loss provision to net charge-offs | 103.7037% | 2,179 |
| Earnings coverage of net charge-offs (x) | 20.4069% | 1,956 |
| Efficiency ratio | 50.5164% | 4,710 |
| Assets per employee ($millions) | 7.0643% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9836% | 133 |
| Loan loss allowance to noncurrent loans | 116.9231% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 1.3035% | 931 |
| Noncurrent loans to loans | 2.5518% | 446 |
| Net loans and leases to total assets | 49.5576% | 4,450 |
| Net loans and leases to deposits | 58.9339% | 4,429 |
| Net loans and leases to core deposits | 65.0758% | 4,323 |
| Total domestic deposits to total assets | 84.0903% | 2,787 |
| Equity capital to assets | 15.1548% | 806 |
| Core capital (leverage) ratio | 15.4884% | 646 |
| Tier 1 risk-based capital ratio | 24.7835% | 779 |
| Total risk-based capital ratio | 26.0486% | 766 |
| Memoranda: | ||
| Average total assets | $84,814,250 | 4,269 |
| Average earning assets | $80,405,500 | 4,233 |
| Average equity | $12,416,000 | 3,983 |
| Average total loans | $42,916,000 | 4,392 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3584% | 3,460 |
| Cost of funding earning assets | 1.0741% | 1,400 |
| Net interest margin | 3.2844% | 4,173 |
| Noninterest income to average assets | 0.4150% | 3,167 |
| Noninterest expense to average assets | 1.7659% | 4,906 |
| Loan and lease loss provision to assets | 0.1297% | 1,441 |
| Net operating income to assets | 1.2991% | 1,774 |
| Return on assets (ROA) | 1.2991% | 1,836 |
| Pretax return on assets | 1.6339% | 1,444 |
| Return on Equity (ROE) | 8.9795% | 2,866 |
| Retained earnings to average equity (ytd only) | 8.9795% | 1,035 |
| Net charge-offs to loans | -0.0795% | 4,957 |
| Credit loss provision to net charge-offs | -323.5294% | 4,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0334% | 4,781 |
| Assets per employee ($millions) | 6.8786% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1004% | 120 |
| Loan loss allowance to noncurrent loans | 133.5294% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 1.2357% | 1,059 |
| Noncurrent loans to loans | 2.3219% | 558 |
| Net loans and leases to total assets | 51.5707% | 4,381 |
| Net loans and leases to deposits | 61.2683% | 4,362 |
| Net loans and leases to core deposits | 67.8104% | 4,216 |
| Total domestic deposits to total assets | 84.1719% | 2,790 |
| Equity capital to assets | 15.2018% | 769 |
| Core capital (leverage) ratio | 15.2199% | 665 |
| Tier 1 risk-based capital ratio | 24.1791% | 827 |
| Total risk-based capital ratio | 25.4448% | 809 |
| Memoranda: | ||
| Average total assets | $84,828,330 | 4,298 |
| Average earning assets | $80,442,000 | 4,257 |
| Average equity | $12,272,330 | 4,008 |
| Average total loans | $42,787,000 | 4,429 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3204% | 3,497 |
| Cost of funding earning assets | 1.0200% | 1,480 |
| Net interest margin | 3.3004% | 4,160 |
| Noninterest income to average assets | 0.4048% | 3,152 |
| Noninterest expense to average assets | 1.4982% | 5,172 |
| Loan and lease loss provision to assets | 0.2280% | 679 |
| Net operating income to assets | 1.4051% | 1,363 |
| Return on assets (ROA) | 1.4051% | 1,389 |
| Pretax return on assets | 1.8099% | 962 |
| Return on Equity (ROE) | 9.9551% | 2,391 |
| Retained earnings to average equity (ytd only) | 9.9551% | 1,045 |
| Net charge-offs to loans | -0.1611% | 5,139 |
| Credit loss provision to net charge-offs | -288.2353% | 3,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3684% | 5,155 |
| Assets per employee ($millions) | 7.2223% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1160% | 118 |
| Loan loss allowance to noncurrent loans | 54.5455% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 2.8684% | 224 |
| Noncurrent loans to loans | 5.7127% | 85 |
| Net loans and leases to total assets | 48.6466% | 4,547 |
| Net loans and leases to deposits | 56.9705% | 4,551 |
| Net loans and leases to core deposits | 63.8107% | 4,391 |
| Total domestic deposits to total assets | 85.3891% | 2,533 |
| Equity capital to assets | 14.1817% | 979 |
| Core capital (leverage) ratio | 14.3840% | 849 |
| Tier 1 risk-based capital ratio | 23.3674% | 899 |
| Total risk-based capital ratio | 24.6325% | 877 |
| Memoranda: | ||
| Average total assets | $85,971,000 | 4,326 |
| Average earning assets | $81,566,500 | 4,285 |
| Average equity | $12,134,500 | 4,043 |
| Average total loans | $42,215,500 | 4,487 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0387% | 3,917 |
| Cost of funding earning assets | 0.7584% | 1,743 |
| Net interest margin | 3.2803% | 4,306 |
| Noninterest income to average assets | 0.4588% | 3,055 |
| Noninterest expense to average assets | 2.5064% | 3,596 |
| Loan and lease loss provision to assets | -0.0708% | 5,230 |
| Net operating income to assets | 0.9897% | 3,053 |
| Return on assets (ROA) | 0.9897% | 3,053 |
| Pretax return on assets | 1.1502% | 3,097 |
| Return on Equity (ROE) | 6.6920% | 3,939 |
| Retained earnings to average equity (ytd only) | 6.3501% | 2,006 |
| Net charge-offs to loans | -0.3819% | 5,325 |
| Credit loss provision to net charge-offs | 36.8421% | 3,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8978% | 2,203 |
| Assets per employee ($millions) | 7.1062% | 933 |
| Cash dividends to net income (ytd only)* | 5.1086% | 3,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1530% | 109 |
| Loan loss allowance to noncurrent loans | 94.7137% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.5972% | 708 |
| Noncurrent loans to loans | 3.3289% | 280 |
| Net loans and leases to total assets | 46.4667% | 4,718 |
| Net loans and leases to deposits | 54.2735% | 4,739 |
| Net loans and leases to core deposits | 60.4080% | 4,612 |
| Total domestic deposits to total assets | 85.6158% | 2,388 |
| Equity capital to assets | 14.0465% | 955 |
| Core capital (leverage) ratio | 14.2329% | 861 |
| Tier 1 risk-based capital ratio | 24.0577% | 821 |
| Total risk-based capital ratio | 25.3228% | 800 |
| Memoranda: | ||
| Average total assets | $79,116,000 | 4,440 |
| Average earning assets | $75,420,200 | 4,393 |
| Average equity | $11,700,600 | 4,060 |
| Average total loans | $39,804,200 | 4,557 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0203% | 3,867 |
| Cost of funding earning assets | 0.6925% | 1,883 |
| Net interest margin | 3.3277% | 4,205 |
| Noninterest income to average assets | 0.4812% | 2,974 |
| Noninterest expense to average assets | 2.0727% | 4,603 |
| Loan and lease loss provision to assets | -0.0877% | 5,339 |
| Net operating income to assets | 1.3509% | 1,660 |
| Return on assets (ROA) | 1.3509% | 1,674 |
| Pretax return on assets | 1.6757% | 1,331 |
| Return on Equity (ROE) | 9.0100% | 3,082 |
| Retained earnings to average equity (ytd only) | 9.0100% | 1,215 |
| Net charge-offs to loans | -0.5026% | 5,400 |
| Credit loss provision to net charge-offs | 34.2282% | 2,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6197% | 4,297 |
| Assets per employee ($millions) | 6.5587% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2543% | 107 |
| Loan loss allowance to noncurrent loans | 93.1457% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.7610% | 676 |
| Noncurrent loans to loans | 3.4937% | 273 |
| Net loans and leases to total assets | 48.7650% | 4,678 |
| Net loans and leases to deposits | 58.0802% | 4,639 |
| Net loans and leases to core deposits | 63.6368% | 4,540 |
| Total domestic deposits to total assets | 83.9614% | 2,956 |
| Equity capital to assets | 15.2724% | 665 |
| Core capital (leverage) ratio | 15.4926% | 599 |
| Tier 1 risk-based capital ratio | 26.1225% | 673 |
| Total risk-based capital ratio | 27.3895% | 664 |
| Memoranda: | ||
| Average total assets | $77,576,500 | 4,517 |
| Average earning assets | $74,122,500 | 4,464 |
| Average equity | $11,631,250 | 4,105 |
| Average total loans | $39,526,750 | 4,612 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9805% | 3,836 |
| Cost of funding earning assets | 0.6399% | 1,988 |
| Net interest margin | 3.3406% | 4,134 |
| Noninterest income to average assets | 0.4689% | 3,042 |
| Noninterest expense to average assets | 1.9508% | 4,881 |
| Loan and lease loss provision to assets | -0.1114% | 5,432 |
| Net operating income to assets | 1.2850% | 1,842 |
| Return on assets (ROA) | 1.2850% | 1,840 |
| Pretax return on assets | 1.8212% | 914 |
| Return on Equity (ROE) | 8.6248% | 3,204 |
| Retained earnings to average equity (ytd only) | 8.6248% | 1,347 |
| Net charge-offs to loans | -0.7396% | 5,473 |
| Credit loss provision to net charge-offs | 29.4521% | 2,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2909% | 4,757 |
| Assets per employee ($millions) | 6.4207% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2285% | 112 |
| Loan loss allowance to noncurrent loans | 162.3279% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 1.0370% | 1,447 |
| Noncurrent loans to loans | 1.9889% | 760 |
| Net loans and leases to total assets | 50.4569% | 4,582 |
| Net loans and leases to deposits | 60.0012% | 4,530 |
| Net loans and leases to core deposits | 65.0253% | 4,430 |
| Total domestic deposits to total assets | 84.0930% | 3,031 |
| Equity capital to assets | 15.2256% | 648 |
| Core capital (leverage) ratio | 15.2560% | 623 |
| Tier 1 risk-based capital ratio | 25.9959% | 674 |
| Total risk-based capital ratio | 27.2657% | 657 |
| Memoranda: | ||
| Average total assets | $77,200,670 | 4,567 |
| Average earning assets | $73,760,000 | 4,510 |
| Average equity | $11,501,670 | 4,156 |
| Average total loans | $39,478,670 | 4,655 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9882% | 3,647 |
| Cost of funding earning assets | 0.5744% | 2,218 |
| Net interest margin | 3.4138% | 3,839 |
| Noninterest income to average assets | 0.4607% | 3,053 |
| Noninterest expense to average assets | 1.6564% | 5,286 |
| Loan and lease loss provision to assets | -0.0052% | 5,398 |
| Net operating income to assets | 1.5011% | 1,075 |
| Return on assets (ROA) | 1.5011% | 1,077 |
| Pretax return on assets | 2.0705% | 498 |
| Return on Equity (ROE) | 10.1871% | 2,338 |
| Retained earnings to average equity (ytd only) | 10.1871% | 1,106 |
| Net charge-offs to loans | -0.7564% | 5,525 |
| Credit loss provision to net charge-offs | 1.3514% | 2,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5063% | 5,334 |
| Assets per employee ($millions) | 6.3668% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3352% | 102 |
| Loan loss allowance to noncurrent loans | 165.1890% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 1.0039% | 1,563 |
| Noncurrent loans to loans | 2.0190% | 782 |
| Net loans and leases to total assets | 48.0648% | 4,691 |
| Net loans and leases to deposits | 56.9183% | 4,651 |
| Net loans and leases to core deposits | 61.6969% | 4,570 |
| Total domestic deposits to total assets | 84.4452% | 3,131 |
| Equity capital to assets | 15.0849% | 651 |
| Core capital (leverage) ratio | 14.9195% | 670 |
| Tier 1 risk-based capital ratio | 26.6542% | 629 |
| Total risk-based capital ratio | 27.9241% | 622 |
| Memoranda: | ||
| Average total assets | $77,277,000 | 4,620 |
| Average earning assets | $73,817,500 | 4,555 |
| Average equity | $11,387,000 | 4,212 |
| Average total loans | $39,131,500 | 4,722 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7442% | 4,233 |
| Cost of funding earning assets | 0.5140% | 2,219 |
| Net interest margin | 3.2302% | 4,357 |
| Noninterest income to average assets | 0.4127% | 3,549 |
| Noninterest expense to average assets | 2.4950% | 3,801 |
| Loan and lease loss provision to assets | 0.1032% | 2,163 |
| Net operating income to assets | 0.6654% | 3,749 |
| Return on assets (ROA) | 0.6654% | 3,792 |
| Pretax return on assets | 0.9075% | 3,900 |
| Return on Equity (ROE) | 4.5127% | 4,344 |
| Retained earnings to average equity (ytd only) | 4.1987% | 2,647 |
| Net charge-offs to loans | -0.0135% | 4,864 |
| Credit loss provision to net charge-offs | -1,560.0000% | 5,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1698% | 2,362 |
| Assets per employee ($millions) | 6.5128% | 1,202 |
| Cash dividends to net income (ytd only)* | 6.9583% | 4,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9647% | 149 |
| Loan loss allowance to noncurrent loans | 138.0347% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 1.1068% | 1,370 |
| Noncurrent loans to loans | 2.1478% | 690 |
| Net loans and leases to total assets | 50.0045% | 4,647 |
| Net loans and leases to deposits | 58.6030% | 4,661 |
| Net loans and leases to core deposits | 63.3439% | 4,578 |
| Total domestic deposits to total assets | 85.3275% | 2,714 |
| Equity capital to assets | 14.3936% | 810 |
| Core capital (leverage) ratio | 14.5102% | 729 |
| Tier 1 risk-based capital ratio | 25.2554% | 706 |
| Total risk-based capital ratio | 26.5209% | 695 |
| Memoranda: | ||
| Average total assets | $75,591,800 | 4,678 |
| Average earning assets | $72,379,000 | 4,612 |
| Average equity | $11,146,200 | 4,277 |
| Average total loans | $37,011,800 | 4,819 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6929% | 4,335 |
| Cost of funding earning assets | 0.5053% | 2,225 |
| Net interest margin | 3.1876% | 4,482 |
| Noninterest income to average assets | 0.4252% | 3,519 |
| Noninterest expense to average assets | 1.8412% | 5,215 |
| Loan and lease loss provision to assets | 0.0445% | 3,209 |
| Net operating income to assets | 1.0994% | 2,098 |
| Return on assets (ROA) | 1.0994% | 2,149 |
| Pretax return on assets | 1.5921% | 1,451 |
| Return on Equity (ROE) | 7.4096% | 3,439 |
| Retained earnings to average equity (ytd only) | 7.4096% | 1,484 |
| Net charge-offs to loans | -0.0442% | 5,129 |
| Credit loss provision to net charge-offs | -208.3333% | 4,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9412% | 5,018 |
| Assets per employee ($millions) | 6.3953% | 1,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0096% | 153 |
| Loan loss allowance to noncurrent loans | 95.7465% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.5624% | 955 |
| Noncurrent loans to loans | 3.1433% | 382 |
| Net loans and leases to total assets | 48.2090% | 4,811 |
| Net loans and leases to deposits | 57.1259% | 4,812 |
| Net loans and leases to core deposits | 61.8689% | 4,717 |
| Total domestic deposits to total assets | 84.3908% | 2,961 |
| Equity capital to assets | 14.8717% | 756 |
| Core capital (leverage) ratio | 14.8985% | 680 |
| Tier 1 risk-based capital ratio | 26.5184% | 644 |
| Total risk-based capital ratio | 27.7871% | 627 |
| Memoranda: | ||
| Average total assets | $74,951,500 | 4,741 |
| Average earning assets | $71,775,250 | 4,678 |
| Average equity | $11,120,500 | 4,327 |
| Average total loans | $36,196,250 | 4,890 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6281% | 4,435 |
| Cost of funding earning assets | 0.4914% | 2,245 |
| Net interest margin | 3.1367% | 4,585 |
| Noninterest income to average assets | 0.4250% | 3,524 |
| Noninterest expense to average assets | 1.7618% | 5,353 |
| Loan and lease loss provision to assets | -0.0511% | 5,605 |
| Net operating income to assets | 1.1835% | 1,656 |
| Return on assets (ROA) | 1.1835% | 1,689 |
| Pretax return on assets | 1.7188% | 1,015 |
| Return on Equity (ROE) | 7.9833% | 3,042 |
| Retained earnings to average equity (ytd only) | 7.9833% | 1,172 |
| Net charge-offs to loans | -0.1407% | 5,509 |
| Credit loss provision to net charge-offs | 76.0000% | 2,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3725% | 5,214 |
| Assets per employee ($millions) | 6.3614% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0107% | 160 |
| Loan loss allowance to noncurrent loans | 77.8940% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.8785% | 709 |
| Noncurrent loans to loans | 3.8651% | 261 |
| Net loans and leases to total assets | 47.1383% | 4,873 |
| Net loans and leases to deposits | 55.6253% | 4,865 |
| Net loans and leases to core deposits | 59.4954% | 4,845 |
| Total domestic deposits to total assets | 84.7427% | 2,912 |
| Equity capital to assets | 14.7150% | 763 |
| Core capital (leverage) ratio | 15.2248% | 591 |
| Tier 1 risk-based capital ratio | 26.6621% | 629 |
| Total risk-based capital ratio | 27.9296% | 612 |
| Memoranda: | ||
| Average total assets | $74,354,330 | 4,779 |
| Average earning assets | $71,221,670 | 4,721 |
| Average equity | $11,023,000 | 4,357 |
| Average total loans | $35,546,670 | 4,939 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6323% | 4,325 |
| Cost of funding earning assets | 0.4782% | 2,259 |
| Net interest margin | 3.1541% | 4,490 |
| Noninterest income to average assets | 0.4253% | 3,476 |
| Noninterest expense to average assets | 1.4013% | 5,691 |
| Loan and lease loss provision to assets | -0.0600% | 5,726 |
| Net operating income to assets | 1.4885% | 830 |
| Return on assets (ROA) | 1.4885% | 859 |
| Pretax return on assets | 2.1046% | 408 |
| Return on Equity (ROE) | 10.0018% | 1,958 |
| Retained earnings to average equity (ytd only) | 10.0018% | 805 |
| Net charge-offs to loans | -0.0345% | 4,997 |
| Credit loss provision to net charge-offs | 366.6667% | 693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6646% | 5,677 |
| Assets per employee ($millions) | 5.6557% | 1,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1145% | 156 |
| Loan loss allowance to noncurrent loans | 76.9714% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 1.9490% | 687 |
| Noncurrent loans to loans | 4.0463% | 252 |
| Net loans and leases to total assets | 46.6678% | 4,910 |
| Net loans and leases to deposits | 55.1197% | 4,871 |
| Net loans and leases to core deposits | 59.1270% | 4,823 |
| Total domestic deposits to total assets | 84.6662% | 3,234 |
| Equity capital to assets | 15.0373% | 650 |
| Core capital (leverage) ratio | 15.0985% | 590 |
| Tier 1 risk-based capital ratio | 27.3819% | 602 |
| Total risk-based capital ratio | 28.6500% | 583 |
| Memoranda: | ||
| Average total assets | $73,363,000 | 4,842 |
| Average earning assets | $70,258,000 | 4,784 |
| Average equity | $10,918,000 | 4,402 |
| Average total loans | $34,769,500 | 5,007 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5437% | 4,655 |
| Cost of funding earning assets | 0.4487% | 2,547 |
| Net interest margin | 3.0950% | 4,737 |
| Noninterest income to average assets | 0.3673% | 4,117 |
| Noninterest expense to average assets | 2.1821% | 4,819 |
| Loan and lease loss provision to assets | 0.1789% | 1,344 |
| Net operating income to assets | 0.7374% | 3,605 |
| Return on assets (ROA) | 0.7374% | 3,716 |
| Pretax return on assets | 0.9736% | 3,571 |
| Return on Equity (ROE) | 5.0737% | 4,401 |
| Retained earnings to average equity (ytd only) | 4.7448% | 2,517 |
| Net charge-offs to loans | 0.4419% | 573 |
| Credit loss provision to net charge-offs | 89.7260% | 2,801 |
| Earnings coverage of net charge-offs (x) | 5.7808% | 3,290 |
| Efficiency ratio | 65.4382% | 3,687 |
| Assets per employee ($millions) | 5.6309% | 1,762 |
| Cash dividends to net income (ytd only)* | 6.4815% | 4,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2558% | 135 |
| Loan loss allowance to noncurrent loans | 100.8167% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.5054% | 1,103 |
| Noncurrent loans to loans | 3.2294% | 390 |
| Net loans and leases to total assets | 45.0985% | 5,065 |
| Net loans and leases to deposits | 53.0576% | 5,057 |
| Net loans and leases to core deposits | 56.9121% | 5,017 |
| Total domestic deposits to total assets | 84.9990% | 3,050 |
| Equity capital to assets | 14.7264% | 684 |
| Core capital (leverage) ratio | 14.6281% | 665 |
| Tier 1 risk-based capital ratio | 26.8293% | 631 |
| Total risk-based capital ratio | 28.0986% | 617 |
| Memoranda: | ||
| Average total assets | $73,233,600 | 4,861 |
| Average earning assets | $70,209,600 | 4,803 |
| Average equity | $10,643,200 | 4,472 |
| Average total loans | $33,037,400 | 5,097 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5489% | 4,680 |
| Cost of funding earning assets | 0.4308% | 2,733 |
| Net interest margin | 3.1181% | 4,721 |
| Noninterest income to average assets | 0.3714% | 4,121 |
| Noninterest expense to average assets | 1.6202% | 5,672 |
| Loan and lease loss provision to assets | 0.2294% | 874 |
| Net operating income to assets | 1.0722% | 2,107 |
| Return on assets (ROA) | 1.0722% | 2,218 |
| Pretax return on assets | 1.5128% | 1,670 |
| Return on Equity (ROE) | 7.4023% | 3,350 |
| Retained earnings to average equity (ytd only) | 7.4023% | 1,440 |
| Net charge-offs to loans | 0.1058% | 1,886 |
| Credit loss provision to net charge-offs | 484.6154% | 728 |
| Earnings coverage of net charge-offs (x) | 36.8033% | 1,303 |
| Efficiency ratio | 48.1862% | 5,587 |
| Assets per employee ($millions) | 5.6466% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6962% | 97 |
| Loan loss allowance to noncurrent loans | 82.3925% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 2.0271% | 768 |
| Noncurrent loans to loans | 4.4861% | 213 |
| Net loans and leases to total assets | 43.5155% | 5,225 |
| Net loans and leases to deposits | 51.3669% | 5,235 |
| Net loans and leases to core deposits | 55.3202% | 5,183 |
| Total domestic deposits to total assets | 84.7151% | 2,933 |
| Equity capital to assets | 14.8380% | 778 |
| Core capital (leverage) ratio | 14.8690% | 660 |
| Tier 1 risk-based capital ratio | 28.1531% | 578 |
| Total risk-based capital ratio | 29.4273% | 561 |
| Memoranda: | ||
| Average total assets | $73,241,500 | 4,904 |
| Average earning assets | $70,254,750 | 4,840 |
| Average equity | $10,609,000 | 4,520 |
| Average total loans | $32,765,750 | 5,158 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4903% | 4,891 |
| Cost of funding earning assets | 0.4128% | 2,913 |
| Net interest margin | 3.0775% | 4,897 |
| Noninterest income to average assets | 0.3662% | 4,136 |
| Noninterest expense to average assets | 1.4320% | 5,887 |
| Loan and lease loss provision to assets | 0.3443% | 475 |
| Net operating income to assets | 1.0685% | 2,092 |
| Return on assets (ROA) | 1.0685% | 2,213 |
| Pretax return on assets | 1.5440% | 1,543 |
| Return on Equity (ROE) | 7.4372% | 3,299 |
| Retained earnings to average equity (ytd only) | 7.4372% | 1,415 |
| Net charge-offs to loans | 0.1594% | 1,376 |
| Credit loss provision to net charge-offs | 484.6154% | 674 |
| Earnings coverage of net charge-offs (x) | 26.5769% | 1,485 |
| Efficiency ratio | 43.1276% | 5,836 |
| Assets per employee ($millions) | 5.6132% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6681% | 106 |
| Loan loss allowance to noncurrent loans | 85.4951% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 1.9652% | 836 |
| Noncurrent loans to loans | 4.2905% | 256 |
| Net loans and leases to total assets | 44.1230% | 5,225 |
| Net loans and leases to deposits | 51.8947% | 5,251 |
| Net loans and leases to core deposits | 55.8937% | 5,179 |
| Total domestic deposits to total assets | 85.0242% | 2,872 |
| Equity capital to assets | 14.6565% | 825 |
| Core capital (leverage) ratio | 14.6194% | 691 |
| Tier 1 risk-based capital ratio | 27.5673% | 614 |
| Total risk-based capital ratio | 28.8406% | 604 |
| Memoranda: | ||
| Average total assets | $73,186,670 | 4,956 |
| Average earning assets | $70,251,670 | 4,878 |
| Average equity | $10,514,670 | 4,564 |
| Average total loans | $32,631,330 | 5,211 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5898% | 4,642 |
| Cost of funding earning assets | 0.3919% | 3,172 |
| Net interest margin | 3.1978% | 4,588 |
| Noninterest income to average assets | 0.3984% | 3,844 |
| Noninterest expense to average assets | 1.2989% | 6,009 |
| Loan and lease loss provision to assets | 0.2838% | 580 |
| Net operating income to assets | 1.3043% | 1,241 |
| Return on assets (ROA) | 1.3043% | 1,322 |
| Pretax return on assets | 1.8883% | 709 |
| Return on Equity (ROE) | 9.1707% | 2,330 |
| Retained earnings to average equity (ytd only) | 9.1707% | 1,059 |
| Net charge-offs to loans | 0.2358% | 867 |
| Credit loss provision to net charge-offs | 273.6842% | 900 |
| Earnings coverage of net charge-offs (x) | 20.9474% | 1,447 |
| Efficiency ratio | 37.4214% | 6,011 |
| Assets per employee ($millions) | 5.6008% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5618% | 124 |
| Loan loss allowance to noncurrent loans | 94.4580% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 1.6852% | 1,158 |
| Noncurrent loans to loans | 3.7707% | 338 |
| Net loans and leases to total assets | 43.0998% | 5,293 |
| Net loans and leases to deposits | 50.6055% | 5,308 |
| Net loans and leases to core deposits | 54.9714% | 5,188 |
| Total domestic deposits to total assets | 85.1682% | 3,055 |
| Equity capital to assets | 14.4802% | 840 |
| Core capital (leverage) ratio | 14.4129% | 713 |
| Tier 1 risk-based capital ratio | 27.3371% | 651 |
| Total risk-based capital ratio | 28.6077% | 637 |
| Memoranda: | ||
| Average total assets | $73,294,500 | 4,991 |
| Average earning assets | $70,422,500 | 4,913 |
| Average equity | $10,424,500 | 4,592 |
| Average total loans | $32,235,500 | 5,264 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4051% | 5,147 |
| Cost of funding earning assets | 0.4103% | 3,046 |
| Net interest margin | 2.9948% | 5,152 |
| Noninterest income to average assets | 0.3500% | 4,401 |
| Noninterest expense to average assets | 2.0373% | 5,383 |
| Loan and lease loss provision to assets | 0.1764% | 1,286 |
| Net operating income to assets | 0.7757% | 3,441 |
| Return on assets (ROA) | 0.7757% | 3,512 |
| Pretax return on assets | 1.0697% | 3,189 |
| Return on Equity (ROE) | 5.4566% | 4,307 |
| Retained earnings to average equity (ytd only) | 5.1119% | 2,341 |
| Net charge-offs to loans | 0.0397% | 3,433 |
| Credit loss provision to net charge-offs | 969.2308% | 356 |
| Earnings coverage of net charge-offs (x) | 68.4615% | 783 |
| Efficiency ratio | 62.0469% | 4,595 |
| Assets per employee ($millions) | 5.6753% | 1,634 |
| Cash dividends to net income (ytd only)* | 6.3177% | 4,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5264% | 126 |
| Loan loss allowance to noncurrent loans | 127.8093% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 1.1941% | 1,814 |
| Noncurrent loans to loans | 2.7591% | 629 |
| Net loans and leases to total assets | 41.7531% | 5,421 |
| Net loans and leases to deposits | 48.6566% | 5,456 |
| Net loans and leases to core deposits | 52.6311% | 5,387 |
| Total domestic deposits to total assets | 85.8117% | 2,729 |
| Equity capital to assets | 13.9687% | 940 |
| Core capital (leverage) ratio | 14.2287% | 771 |
| Tier 1 risk-based capital ratio | 27.3224% | 641 |
| Total risk-based capital ratio | 28.5926% | 624 |
| Memoranda: | ||
| Average total assets | $71,418,600 | 5,057 |
| Average earning assets | $69,954,000 | 4,941 |
| Average equity | $10,152,800 | 4,635 |
| Average total loans | $32,704,600 | 5,269 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3725% | 5,268 |
| Cost of funding earning assets | 0.4113% | 3,109 |
| Net interest margin | 2.9612% | 5,286 |
| Noninterest income to average assets | 0.3539% | 4,411 |
| Noninterest expense to average assets | 1.5737% | 5,993 |
| Loan and lease loss provision to assets | 0.0207% | 3,861 |
| Net operating income to assets | 1.1633% | 1,783 |
| Return on assets (ROA) | 1.1633% | 1,850 |
| Pretax return on assets | 1.6735% | 1,177 |
| Return on Equity (ROE) | 8.1465% | 2,994 |
| Retained earnings to average equity (ytd only) | 8.1465% | 1,190 |
| Net charge-offs to loans | -0.2351% | 6,033 |
| Credit loss provision to net charge-offs | -18.9655% | 4,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1567% | 5,860 |
| Assets per employee ($millions) | 5.5082% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1916% | 201 |
| Loan loss allowance to noncurrent loans | 112.2407% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 1.3463% | 1,736 |
| Noncurrent loans to loans | 2.8435% | 647 |
| Net loans and leases to total assets | 45.8341% | 5,239 |
| Net loans and leases to deposits | 53.9962% | 5,252 |
| Net loans and leases to core deposits | 58.5831% | 5,153 |
| Total domestic deposits to total assets | 84.8839% | 3,063 |
| Equity capital to assets | 14.5351% | 847 |
| Core capital (leverage) ratio | 14.5552% | 725 |
| Tier 1 risk-based capital ratio | 27.7865% | 635 |
| Total risk-based capital ratio | 29.0573% | 617 |
| Memoranda: | ||
| Average total assets | $70,828,500 | 5,132 |
| Average earning assets | $69,700,250 | 5,002 |
| Average equity | $10,114,500 | 4,697 |
| Average total loans | $32,898,000 | 5,325 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3037% | 5,431 |
| Cost of funding earning assets | 0.4090% | 3,172 |
| Net interest margin | 2.8947% | 5,454 |
| Noninterest income to average assets | 0.3373% | 4,541 |
| Noninterest expense to average assets | 1.4057% | 6,169 |
| Loan and lease loss provision to assets | -0.0255% | 5,988 |
| Net operating income to assets | 1.2498% | 1,464 |
| Return on assets (ROA) | 1.2498% | 1,526 |
| Pretax return on assets | 1.8053% | 890 |
| Return on Equity (ROE) | 8.8053% | 2,652 |
| Retained earnings to average equity (ytd only) | 8.8053% | 988 |
| Net charge-offs to loans | -0.2825% | 6,104 |
| Credit loss provision to net charge-offs | 19.5652% | 3,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1281% | 6,108 |
| Assets per employee ($millions) | 6.5188% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1699% | 229 |
| Loan loss allowance to noncurrent loans | 102.3392% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.4308% | 1,746 |
| Noncurrent loans to loans | 3.0975% | 627 |
| Net loans and leases to total assets | 44.7292% | 5,333 |
| Net loans and leases to deposits | 52.4351% | 5,356 |
| Net loans and leases to core deposits | 57.3682% | 5,231 |
| Total domestic deposits to total assets | 85.3041% | 3,008 |
| Equity capital to assets | 14.2678% | 888 |
| Core capital (leverage) ratio | 14.3277% | 754 |
| Tier 1 risk-based capital ratio | 27.9795% | 639 |
| Total risk-based capital ratio | 29.2485% | 635 |
| Memoranda: | ||
| Average total assets | $70,569,330 | 5,198 |
| Average earning assets | $69,436,330 | 5,053 |
| Average equity | $10,016,670 | 4,747 |
| Average total loans | $32,563,330 | 5,387 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2862% | 5,478 |
| Cost of funding earning assets | 0.4013% | 3,293 |
| Net interest margin | 2.8849% | 5,483 |
| Noninterest income to average assets | 0.3086% | 4,719 |
| Noninterest expense to average assets | 1.2171% | 6,318 |
| Loan and lease loss provision to assets | -0.0514% | 6,161 |
| Net operating income to assets | 1.3371% | 1,167 |
| Return on assets (ROA) | 1.3371% | 1,238 |
| Pretax return on assets | 1.9771% | 614 |
| Return on Equity (ROE) | 9.4455% | 2,242 |
| Retained earnings to average equity (ytd only) | 9.4455% | 1,055 |
| Net charge-offs to loans | -0.0743% | 5,717 |
| Credit loss provision to net charge-offs | 150.0000% | 1,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7273% | 6,289 |
| Assets per employee ($millions) | 6.4444% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1038% | 272 |
| Loan loss allowance to noncurrent loans | 135.2075% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 1.0538% | 2,512 |
| Noncurrent loans to loans | 2.2956% | 1,075 |
| Net loans and leases to total assets | 44.4800% | 5,315 |
| Net loans and leases to deposits | 51.9936% | 5,335 |
| Net loans and leases to core deposits | 57.1856% | 5,177 |
| Total domestic deposits to total assets | 85.5490% | 3,152 |
| Equity capital to assets | 14.1434% | 936 |
| Core capital (leverage) ratio | 14.2202% | 760 |
| Tier 1 risk-based capital ratio | 28.0111% | 648 |
| Total risk-based capital ratio | 28.0111% | 714 |
| Memoranda: | ||
| Average total assets | $70,000,500 | 5,257 |
| Average earning assets | $68,772,000 | 5,122 |
| Average equity | $9,909,500 | 4,802 |
| Average total loans | $32,283,000 | 5,430 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4417% | 5,444 |
| Cost of funding earning assets | 0.4149% | 3,541 |
| Net interest margin | 3.0267% | 5,388 |
| Noninterest income to average assets | 0.3996% | 4,182 |
| Noninterest expense to average assets | 2.0482% | 5,678 |
| Loan and lease loss provision to assets | 0.3263% | 600 |
| Net operating income to assets | 0.7086% | 3,844 |
| Return on assets (ROA) | 0.7086% | 3,964 |
| Pretax return on assets | 0.9817% | 3,571 |
| Return on Equity (ROE) | 5.1074% | 4,607 |
| Retained earnings to average equity (ytd only) | 4.7448% | 2,799 |
| Net charge-offs to loans | 1.1972% | 223 |
| Credit loss provision to net charge-offs | 58.6563% | 3,314 |
| Earnings coverage of net charge-offs (x) | 2.3514% | 4,177 |
| Efficiency ratio | 61.0278% | 5,063 |
| Assets per employee ($millions) | 6.2830% | 1,193 |
| Cash dividends to net income (ytd only)* | 7.0994% | 4,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1632% | 250 |
| Loan loss allowance to noncurrent loans | 141.8768% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 1.0331% | 2,678 |
| Noncurrent loans to loans | 2.2295% | 1,188 |
| Net loans and leases to total assets | 44.8714% | 5,413 |
| Net loans and leases to deposits | 52.4259% | 5,454 |
| Net loans and leases to core deposits | 56.6119% | 5,345 |
| Total domestic deposits to total assets | 85.5903% | 3,036 |
| Equity capital to assets | 14.1695% | 907 |
| Core capital (leverage) ratio | 14.0052% | 813 |
| Tier 1 risk-based capital ratio | 29.1837% | 548 |
| Total risk-based capital ratio | 30.4542% | 537 |
| Memoranda: | ||
| Average total assets | $69,573,600 | 5,310 |
| Average earning assets | $67,961,400 | 5,174 |
| Average equity | $9,652,600 | 4,829 |
| Average total loans | $32,324,200 | 5,470 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3960% | 5,601 |
| Cost of funding earning assets | 0.4152% | 3,627 |
| Net interest margin | 2.9808% | 5,542 |
| Noninterest income to average assets | 0.4171% | 4,123 |
| Noninterest expense to average assets | 1.5956% | 6,290 |
| Loan and lease loss provision to assets | 0.4305% | 372 |
| Net operating income to assets | 0.8896% | 2,958 |
| Return on assets (ROA) | 0.8896% | 3,059 |
| Pretax return on assets | 1.3029% | 2,366 |
| Return on Equity (ROE) | 6.4464% | 4,005 |
| Retained earnings to average equity (ytd only) | 6.4464% | 2,135 |
| Net charge-offs to loans | 0.3827% | 1,042 |
| Credit loss provision to net charge-offs | 241.9355% | 1,086 |
| Earnings coverage of net charge-offs (x) | 9.7417% | 2,632 |
| Efficiency ratio | 47.9310% | 6,204 |
| Assets per employee ($millions) | 5.8106% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9324% | 171 |
| Loan loss allowance to noncurrent loans | 107.6733% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 1.7382% | 1,720 |
| Noncurrent loans to loans | 3.6521% | 635 |
| Net loans and leases to total assets | 45.7226% | 5,403 |
| Net loans and leases to deposits | 53.4746% | 5,423 |
| Net loans and leases to core deposits | 57.5875% | 5,356 |
| Total domestic deposits to total assets | 85.5035% | 3,112 |
| Equity capital to assets | 14.0534% | 985 |
| Core capital (leverage) ratio | 14.0329% | 837 |
| Tier 1 risk-based capital ratio | 28.2410% | 632 |
| Total risk-based capital ratio | 29.5215% | 608 |
| Memoranda: | ||
| Average total assets | $69,688,750 | 5,354 |
| Average earning assets | $68,078,750 | 5,224 |
| Average equity | $9,617,500 | 4,872 |
| Average total loans | $32,399,000 | 5,519 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3687% | 5,683 |
| Cost of funding earning assets | 0.4137% | 3,730 |
| Net interest margin | 2.9549% | 5,621 |
| Noninterest income to average assets | 0.4191% | 4,106 |
| Noninterest expense to average assets | 1.4266% | 6,452 |
| Loan and lease loss provision to assets | 0.1464% | 1,686 |
| Net operating income to assets | 1.1826% | 1,644 |
| Return on assets (ROA) | 1.1826% | 1,718 |
| Pretax return on assets | 1.7366% | 950 |
| Return on Equity (ROE) | 8.6220% | 2,773 |
| Retained earnings to average equity (ytd only) | 8.6220% | 1,106 |
| Net charge-offs to loans | 0.6410% | 607 |
| Credit loss provision to net charge-offs | 49.5146% | 2,801 |
| Earnings coverage of net charge-offs (x) | 6.3689% | 2,779 |
| Efficiency ratio | 43.1049% | 6,447 |
| Assets per employee ($millions) | 5.9153% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3585% | 264 |
| Loan loss allowance to noncurrent loans | 123.1868% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 1.2820% | 2,555 |
| Noncurrent loans to loans | 2.7263% | 1,113 |
| Net loans and leases to total assets | 45.4426% | 5,421 |
| Net loans and leases to deposits | 52.9055% | 5,435 |
| Net loans and leases to core deposits | 56.6240% | 5,367 |
| Total domestic deposits to total assets | 85.8940% | 3,098 |
| Equity capital to assets | 13.7313% | 1,072 |
| Core capital (leverage) ratio | 14.1024% | 804 |
| Tier 1 risk-based capital ratio | 27.5300% | 668 |
| Total risk-based capital ratio | 28.8048% | 653 |
| Memoranda: | ||
| Average total assets | $69,676,000 | 5,401 |
| Average earning assets | $68,157,670 | 5,264 |
| Average equity | $9,557,000 | 4,900 |
| Average total loans | $32,136,670 | 5,572 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3839% | 5,684 |
| Cost of funding earning assets | 0.4141% | 3,824 |
| Net interest margin | 2.9698% | 5,598 |
| Noninterest income to average assets | 0.4404% | 3,868 |
| Noninterest expense to average assets | 1.2460% | 6,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4604% | 878 |
| Return on assets (ROA) | 1.4604% | 907 |
| Pretax return on assets | 2.1037% | 424 |
| Return on Equity (ROE) | 10.6531% | 1,799 |
| Retained earnings to average equity (ytd only) | 10.6531% | 805 |
| Net charge-offs to loans | 1.6880% | 177 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.7293% | 2,812 |
| Efficiency ratio | 37.1972% | 6,630 |
| Assets per employee ($millions) | 5.7949% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3160% | 315 |
| Loan loss allowance to noncurrent loans | 85.1064% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.7573% | 2,001 |
| Noncurrent loans to loans | 3.8963% | 700 |
| Net loans and leases to total assets | 43.6057% | 5,547 |
| Net loans and leases to deposits | 50.7923% | 5,539 |
| Net loans and leases to core deposits | 53.9076% | 5,507 |
| Total domestic deposits to total assets | 85.8511% | 3,435 |
| Equity capital to assets | 13.7865% | 993 |
| Core capital (leverage) ratio | 13.8720% | 858 |
| Tier 1 risk-based capital ratio | 28.1851% | 632 |
| Total risk-based capital ratio | 29.4562% | 615 |
| Memoranda: | ||
| Average total assets | $69,022,000 | 5,471 |
| Average earning assets | $67,614,000 | 5,330 |
| Average equity | $9,462,000 | 4,947 |
| Average total loans | $31,516,000 | 5,651 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5509% | 5,533 |
| Cost of funding earning assets | 0.4541% | 4,072 |
| Net interest margin | 3.0969% | 5,327 |
| Noninterest income to average assets | 0.6189% | 2,983 |
| Noninterest expense to average assets | 2.1975% | 5,633 |
| Loan and lease loss provision to assets | 0.1908% | 1,934 |
| Net operating income to assets | 0.8723% | 2,917 |
| Return on assets (ROA) | 0.8723% | 3,002 |
| Pretax return on assets | 1.2699% | 2,272 |
| Return on Equity (ROE) | 6.5224% | 3,817 |
| Retained earnings to average equity (ytd only) | 6.1412% | 1,889 |
| Net charge-offs to loans | -0.0093% | 6,007 |
| Credit loss provision to net charge-offs | -4,366.6667% | 6,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0717% | 5,461 |
| Assets per employee ($millions) | 5.7088% | 1,467 |
| Cash dividends to net income (ytd only)* | 5.8431% | 4,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7039% | 245 |
| Loan loss allowance to noncurrent loans | 97.1831% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.7619% | 2,105 |
| Noncurrent loans to loans | 3.8113% | 779 |
| Net loans and leases to total assets | 44.5165% | 5,627 |
| Net loans and leases to deposits | 51.6767% | 5,650 |
| Net loans and leases to core deposits | 54.8825% | 5,620 |
| Total domestic deposits to total assets | 86.1441% | 3,181 |
| Equity capital to assets | 13.6297% | 1,024 |
| Core capital (leverage) ratio | 13.5706% | 936 |
| Tier 1 risk-based capital ratio | 27.4456% | 643 |
| Total risk-based capital ratio | 28.7228% | 630 |
| Memoranda: | ||
| Average total assets | $68,668,800 | 5,521 |
| Average earning assets | $67,390,600 | 5,362 |
| Average equity | $9,183,800 | 5,043 |
| Average total loans | $32,097,600 | 5,662 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5647% | 5,538 |
| Cost of funding earning assets | 0.4626% | 4,138 |
| Net interest margin | 3.1020% | 5,311 |
| Noninterest income to average assets | 0.6753% | 2,750 |
| Noninterest expense to average assets | 1.7115% | 6,459 |
| Loan and lease loss provision to assets | 0.0737% | 3,581 |
| Net operating income to assets | 1.3021% | 1,351 |
| Return on assets (ROA) | 1.3021% | 1,405 |
| Pretax return on assets | 1.9347% | 670 |
| Return on Equity (ROE) | 9.7823% | 2,268 |
| Retained earnings to average equity (ytd only) | 9.7823% | 834 |
| Net charge-offs to loans | -0.3188% | 6,733 |
| Credit loss provision to net charge-offs | -49.3506% | 5,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0094% | 6,585 |
| Assets per employee ($millions) | 5.6951% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6265% | 303 |
| Loan loss allowance to noncurrent loans | 105.1960% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 1.6052% | 2,543 |
| Noncurrent loans to loans | 3.4474% | 1,114 |
| Net loans and leases to total assets | 44.8735% | 5,640 |
| Net loans and leases to deposits | 52.4653% | 5,676 |
| Net loans and leases to core deposits | 55.7328% | 5,645 |
| Total domestic deposits to total assets | 85.5299% | 3,480 |
| Equity capital to assets | 13.8028% | 1,019 |
| Core capital (leverage) ratio | 13.8409% | 906 |
| Tier 1 risk-based capital ratio | 27.3881% | 677 |
| Total risk-based capital ratio | 28.6627% | 659 |
| Memoranda: | ||
| Average total assets | $68,709,750 | 5,574 |
| Average earning assets | $67,437,750 | 5,420 |
| Average equity | $9,145,500 | 5,102 |
| Average total loans | $32,204,750 | 5,713 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5700% | 5,527 |
| Cost of funding earning assets | 0.4677% | 4,233 |
| Net interest margin | 3.1023% | 5,271 |
| Noninterest income to average assets | 0.7961% | 2,204 |
| Noninterest expense to average assets | 1.3540% | 6,753 |
| Loan and lease loss provision to assets | 0.1075% | 2,998 |
| Net operating income to assets | 1.6504% | 683 |
| Return on assets (ROA) | 1.6504% | 751 |
| Pretax return on assets | 2.3797% | 317 |
| Return on Equity (ROE) | 12.5529% | 1,344 |
| Retained earnings to average equity (ytd only) | 12.5529% | 425 |
| Net charge-offs to loans | -0.4268% | 6,809 |
| Credit loss provision to net charge-offs | -53.6232% | 5,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.2496% | 6,850 |
| Assets per employee ($millions) | 5.7106% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5798% | 348 |
| Loan loss allowance to noncurrent loans | 127.5056% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 1.3104% | 3,158 |
| Noncurrent loans to loans | 2.8076% | 1,612 |
| Net loans and leases to total assets | 45.0042% | 5,637 |
| Net loans and leases to deposits | 52.3590% | 5,655 |
| Net loans and leases to core deposits | 55.5906% | 5,633 |
| Total domestic deposits to total assets | 85.9530% | 3,397 |
| Equity capital to assets | 13.6224% | 1,080 |
| Core capital (leverage) ratio | 13.6716% | 916 |
| Tier 1 risk-based capital ratio | 27.1226% | 684 |
| Total risk-based capital ratio | 28.3990% | 670 |
| Memoranda: | ||
| Average total assets | $68,832,670 | 5,609 |
| Average earning assets | $67,563,330 | 5,457 |
| Average equity | $9,049,670 | 5,159 |
| Average total loans | $32,332,670 | 5,741 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5448% | 5,591 |
| Cost of funding earning assets | 0.4845% | 4,242 |
| Net interest margin | 3.0604% | 5,396 |
| Noninterest income to average assets | 0.4581% | 4,066 |
| Noninterest expense to average assets | 1.2003% | 6,907 |
| Loan and lease loss provision to assets | 0.1797% | 2,064 |
| Net operating income to assets | 1.5134% | 837 |
| Return on assets (ROA) | 1.5134% | 913 |
| Pretax return on assets | 2.0816% | 510 |
| Return on Equity (ROE) | 11.7211% | 1,489 |
| Retained earnings to average equity (ytd only) | 11.7211% | 738 |
| Net charge-offs to loans | -0.7752% | 6,907 |
| Credit loss provision to net charge-offs | -49.2063% | 5,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.6734% | 6,931 |
| Assets per employee ($millions) | 5.7330% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4713% | 426 |
| Loan loss allowance to noncurrent loans | 133.2941% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 1.2355% | 3,500 |
| Noncurrent loans to loans | 2.6042% | 1,978 |
| Net loans and leases to total assets | 45.7963% | 5,457 |
| Net loans and leases to deposits | 52.9264% | 5,529 |
| Net loans and leases to core deposits | 56.1534% | 5,506 |
| Total domestic deposits to total assets | 86.5283% | 3,218 |
| Equity capital to assets | 13.1330% | 1,369 |
| Core capital (leverage) ratio | 12.9564% | 1,132 |
| Tier 1 risk-based capital ratio | 25.5255% | 835 |
| Total risk-based capital ratio | 26.7985% | 822 |
| Memoranda: | ||
| Average total assets | $68,985,500 | 5,658 |
| Average earning assets | $67,704,000 | 5,506 |
| Average equity | $8,907,000 | 5,243 |
| Average total loans | $32,506,500 | 5,774 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6940% | 6,061 |
| Cost of funding earning assets | 0.6033% | 4,315 |
| Net interest margin | 3.0907% | 5,839 |
| Noninterest income to average assets | 0.4855% | 3,995 |
| Noninterest expense to average assets | 2.0545% | 6,226 |
| Loan and lease loss provision to assets | 0.4855% | 1,259 |
| Net operating income to assets | 0.7697% | 3,415 |
| Return on assets (ROA) | 0.7697% | 3,667 |
| Pretax return on assets | 0.9636% | 3,687 |
| Return on Equity (ROE) | 6.0403% | 4,154 |
| Retained earnings to average equity (ytd only) | 5.8080% | 2,189 |
| Net charge-offs to loans | 0.3319% | 2,978 |
| Credit loss provision to net charge-offs | 306.5421% | 788 |
| Earnings coverage of net charge-offs (x) | 9.1495% | 2,301 |
| Efficiency ratio | 58.6396% | 5,744 |
| Assets per employee ($millions) | 5.7646% | 1,456 |
| Cash dividends to net income (ytd only)* | 3.8462% | 4,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2094% | 550 |
| Loan loss allowance to noncurrent loans | 171.7355% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.8746% | 4,301 |
| Noncurrent loans to loans | 1.8688% | 2,836 |
| Net loans and leases to total assets | 45.2982% | 5,692 |
| Net loans and leases to deposits | 52.0178% | 5,807 |
| Net loans and leases to core deposits | 54.9024% | 5,801 |
| Total domestic deposits to total assets | 87.0820% | 2,795 |
| Equity capital to assets | 12.6910% | 1,595 |
| Core capital (leverage) ratio | 12.9096% | 1,144 |
| Tier 1 risk-based capital ratio | 24.8138% | 875 |
| Total risk-based capital ratio | 26.0854% | 861 |
| Memoranda: | ||
| Average total assets | $67,560,600 | 5,692 |
| Average earning assets | $65,972,200 | 5,555 |
| Average equity | $8,608,800 | 5,331 |
| Average total loans | $32,243,200 | 5,840 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7463% | 6,138 |
| Cost of funding earning assets | 0.6268% | 4,394 |
| Net interest margin | 3.1195% | 5,895 |
| Noninterest income to average assets | 0.4924% | 3,972 |
| Noninterest expense to average assets | 1.6478% | 6,832 |
| Loan and lease loss provision to assets | 0.4010% | 1,597 |
| Net operating income to assets | 1.1178% | 2,033 |
| Return on assets (ROA) | 1.1178% | 2,226 |
| Pretax return on assets | 1.4870% | 1,927 |
| Return on Equity (ROE) | 8.7629% | 2,921 |
| Retained earnings to average equity (ytd only) | 8.7629% | 1,318 |
| Net charge-offs to loans | 0.3477% | 2,710 |
| Credit loss provision to net charge-offs | 240.4762% | 1,151 |
| Earnings coverage of net charge-offs (x) | 11.3212% | 2,086 |
| Efficiency ratio | 46.6030% | 6,790 |
| Assets per employee ($millions) | 5.5835% | 1,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0069% | 706 |
| Loan loss allowance to noncurrent loans | 250.9383% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.5567% | 5,278 |
| Noncurrent loans to loans | 1.1983% | 4,053 |
| Net loans and leases to total assets | 45.0613% | 5,865 |
| Net loans and leases to deposits | 52.2814% | 5,956 |
| Net loans and leases to core deposits | 55.2987% | 5,939 |
| Total domestic deposits to total assets | 86.1900% | 3,155 |
| Equity capital to assets | 13.1907% | 1,502 |
| Core capital (leverage) ratio | 13.2182% | 1,101 |
| Tier 1 risk-based capital ratio | 25.6518% | 855 |
| Total risk-based capital ratio | 26.9192% | 839 |
| Memoranda: | ||
| Average total assets | $67,157,000 | 5,769 |
| Average earning assets | $65,520,750 | 5,629 |
| Average equity | $8,566,250 | 5,392 |
| Average total loans | $32,210,500 | 5,917 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7704% | 6,207 |
| Cost of funding earning assets | 0.6467% | 4,474 |
| Net interest margin | 3.1237% | 5,935 |
| Noninterest income to average assets | 0.5208% | 3,782 |
| Noninterest expense to average assets | 1.5415% | 6,980 |
| Loan and lease loss provision to assets | 0.3452% | 1,904 |
| Net operating income to assets | 1.2231% | 1,631 |
| Return on assets (ROA) | 1.2231% | 1,826 |
| Pretax return on assets | 1.6813% | 1,311 |
| Return on Equity (ROE) | 9.6983% | 2,486 |
| Retained earnings to average equity (ytd only) | 9.6983% | 1,059 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2027% | 6,983 |
| Assets per employee ($millions) | 5.5651% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8860% | 878 |
| Loan loss allowance to noncurrent loans | 154.1254% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.9074% | 4,555 |
| Noncurrent loans to loans | 1.8725% | 3,114 |
| Net loans and leases to total assets | 47.0628% | 5,718 |
| Net loans and leases to deposits | 54.4206% | 5,825 |
| Net loans and leases to core deposits | 57.5581% | 5,806 |
| Total domestic deposits to total assets | 86.4797% | 3,084 |
| Equity capital to assets | 12.9693% | 1,538 |
| Core capital (leverage) ratio | 12.8813% | 1,183 |
| Tier 1 risk-based capital ratio | 24.6057% | 946 |
| Total risk-based capital ratio | 25.8737% | 930 |
| Memoranda: | ||
| Average total assets | $67,208,670 | 5,806 |
| Average earning assets | $65,563,670 | 5,658 |
| Average equity | $8,475,670 | 5,428 |
| Average total loans | $32,571,330 | 5,931 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6957% | 6,445 |
| Cost of funding earning assets | 0.6808% | 4,454 |
| Net interest margin | 3.0149% | 6,259 |
| Noninterest income to average assets | 0.5221% | 3,770 |
| Noninterest expense to average assets | 1.3586% | 7,142 |
| Loan and lease loss provision to assets | 0.1068% | 4,011 |
| Net operating income to assets | 1.5010% | 1,015 |
| Return on assets (ROA) | 1.5010% | 1,136 |
| Pretax return on assets | 1.9993% | 735 |
| Return on Equity (ROE) | 12.0721% | 1,663 |
| Retained earnings to average equity (ytd only) | 12.0721% | 817 |
| Net charge-offs to loans | 0.1102% | 3,471 |
| Credit loss provision to net charge-offs | 200.0000% | 1,332 |
| Earnings coverage of net charge-offs (x) | 39.4444% | 759 |
| Efficiency ratio | 39.2123% | 7,120 |
| Assets per employee ($millions) | 5.7025% | 1,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5254% | 1,317 |
| Loan loss allowance to noncurrent loans | 258.4375% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4676% | 5,687 |
| Noncurrent loans to loans | 0.9772% | 4,724 |
| Net loans and leases to total assets | 46.6462% | 5,712 |
| Net loans and leases to deposits | 53.5427% | 5,856 |
| Net loans and leases to core deposits | 56.4746% | 5,865 |
| Total domestic deposits to total assets | 87.1197% | 2,889 |
| Equity capital to assets | 12.4244% | 1,774 |
| Core capital (leverage) ratio | 12.6124% | 1,287 |
| Tier 1 risk-based capital ratio | 23.5748% | 1,058 |
| Total risk-based capital ratio | 24.8373% | 1,041 |
| Memoranda: | ||
| Average total assets | $67,422,500 | 5,848 |
| Average earning assets | $65,807,000 | 5,691 |
| Average equity | $8,383,000 | 5,475 |
| Average total loans | $32,675,500 | 5,970 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1125% | 6,260 |
| Cost of funding earning assets | 0.8607% | 4,388 |
| Net interest margin | 3.2518% | 5,957 |
| Noninterest income to average assets | 0.5819% | 3,284 |
| Noninterest expense to average assets | 1.8827% | 6,852 |
| Loan and lease loss provision to assets | 0.7482% | 1,353 |
| Net operating income to assets | 0.8498% | 2,822 |
| Return on assets (ROA) | 0.8498% | 2,975 |
| Pretax return on assets | 1.1207% | 2,759 |
| Return on Equity (ROE) | 6.8577% | 3,461 |
| Retained earnings to average equity (ytd only) | 6.6092% | 1,690 |
| Net charge-offs to loans | 2.0202% | 679 |
| Credit loss provision to net charge-offs | 70.5370% | 4,827 |
| Earnings coverage of net charge-offs (x) | 1.7620% | 4,458 |
| Efficiency ratio | 50.1847% | 6,824 |
| Assets per employee ($millions) | 5.5346% | 1,600 |
| Cash dividends to net income (ytd only)* | 3.6232% | 4,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5089% | 1,304 |
| Loan loss allowance to noncurrent loans | 120.1175% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 1.0254% | 4,562 |
| Noncurrent loans to loans | 2.0887% | 3,080 |
| Net loans and leases to total assets | 47.8597% | 5,836 |
| Net loans and leases to deposits | 54.8744% | 5,988 |
| Net loans and leases to core deposits | 57.3403% | 6,053 |
| Total domestic deposits to total assets | 87.2167% | 2,635 |
| Equity capital to assets | 12.4430% | 1,826 |
| Core capital (leverage) ratio | 12.3612% | 1,410 |
| Tier 1 risk-based capital ratio | 23.3998% | 1,047 |
| Total risk-based capital ratio | 24.6630% | 1,023 |
| Memoranda: | ||
| Average total assets | $64,959,400 | 5,897 |
| Average earning assets | $63,318,600 | 5,758 |
| Average equity | $8,049,400 | 5,557 |
| Average total loans | $34,105,400 | 5,946 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1423% | 6,328 |
| Cost of funding earning assets | 0.9047% | 4,364 |
| Net interest margin | 3.2376% | 6,054 |
| Noninterest income to average assets | 0.5903% | 3,230 |
| Noninterest expense to average assets | 1.6038% | 7,167 |
| Loan and lease loss provision to assets | 0.6626% | 1,461 |
| Net operating income to assets | 1.0754% | 2,058 |
| Return on assets (ROA) | 1.0754% | 2,202 |
| Pretax return on assets | 1.4779% | 1,710 |
| Return on Equity (ROE) | 8.6877% | 2,749 |
| Retained earnings to average equity (ytd only) | 8.6877% | 1,253 |
| Net charge-offs to loans | 1.1446% | 1,381 |
| Credit loss provision to net charge-offs | 108.4459% | 3,047 |
| Earnings coverage of net charge-offs (x) | 3.5033% | 3,414 |
| Efficiency ratio | 42.8335% | 7,181 |
| Assets per employee ($millions) | 5.4725% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0457% | 833 |
| Loan loss allowance to noncurrent loans | 64.2506% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 2.4791% | 2,596 |
| Noncurrent loans to loans | 4.7403% | 1,355 |
| Net loans and leases to total assets | 50.7050% | 5,615 |
| Net loans and leases to deposits | 58.3817% | 5,809 |
| Net loans and leases to core deposits | 61.4139% | 5,866 |
| Total domestic deposits to total assets | 86.8509% | 2,745 |
| Equity capital to assets | 12.5826% | 1,863 |
| Core capital (leverage) ratio | 12.4596% | 1,456 |
| Tier 1 risk-based capital ratio | 22.6154% | 1,201 |
| Total risk-based capital ratio | 23.8844% | 1,176 |
| Memoranda: | ||
| Average total assets | $64,595,500 | 5,954 |
| Average earning assets | $62,926,000 | 5,810 |
| Average equity | $7,995,750 | 5,604 |
| Average total loans | $34,480,750 | 5,995 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1312% | 6,419 |
| Cost of funding earning assets | 0.9330% | 4,437 |
| Net interest margin | 3.1982% | 6,166 |
| Noninterest income to average assets | 0.5853% | 3,230 |
| Noninterest expense to average assets | 1.5879% | 7,256 |
| Loan and lease loss provision to assets | 0.6258% | 1,530 |
| Net operating income to assets | 1.0835% | 1,920 |
| Return on assets (ROA) | 1.0835% | 2,017 |
| Pretax return on assets | 1.4882% | 1,566 |
| Return on Equity (ROE) | 8.8027% | 2,596 |
| Retained earnings to average equity (ytd only) | 8.8027% | 1,176 |
| Net charge-offs to loans | 0.0811% | 4,830 |
| Credit loss provision to net charge-offs | 1,435.7143% | 245 |
| Earnings coverage of net charge-offs (x) | 48.5000% | 639 |
| Efficiency ratio | 42.8932% | 7,275 |
| Assets per employee ($millions) | 5.4531% | 1,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4945% | 598 |
| Loan loss allowance to noncurrent loans | 46.6409% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 3.9580% | 1,626 |
| Noncurrent loans to loans | 7.4923% | 637 |
| Net loans and leases to total assets | 50.9819% | 5,698 |
| Net loans and leases to deposits | 58.5106% | 5,876 |
| Net loans and leases to core deposits | 60.9823% | 6,004 |
| Total domestic deposits to total assets | 87.1327% | 2,665 |
| Equity capital to assets | 12.3615% | 1,866 |
| Core capital (leverage) ratio | 12.4344% | 1,395 |
| Tier 1 risk-based capital ratio | 22.2915% | 1,215 |
| Total risk-based capital ratio | 23.5664% | 1,185 |
| Memoranda: | ||
| Average total assets | $64,237,330 | 6,006 |
| Average earning assets | $62,597,000 | 5,872 |
| Average equity | $7,906,670 | 5,643 |
| Average total loans | $34,526,330 | 6,049 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9975% | 6,704 |
| Cost of funding earning assets | 0.9493% | 4,573 |
| Net interest margin | 3.0482% | 6,464 |
| Noninterest income to average assets | 0.5720% | 3,356 |
| Noninterest expense to average assets | 1.4143% | 7,410 |
| Loan and lease loss provision to assets | 0.6034% | 1,425 |
| Net operating income to assets | 1.0874% | 1,884 |
| Return on assets (ROA) | 1.0874% | 1,929 |
| Pretax return on assets | 1.5211% | 1,385 |
| Return on Equity (ROE) | 8.8542% | 2,530 |
| Retained earnings to average equity (ytd only) | 8.8542% | 1,425 |
| Net charge-offs to loans | -0.1391% | 7,180 |
| Credit loss provision to net charge-offs | -800.0000% | 6,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9645% | 7,390 |
| Assets per employee ($millions) | 5.3559% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2795% | 725 |
| Loan loss allowance to noncurrent loans | 42.9931% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 4.0858% | 1,635 |
| Noncurrent loans to loans | 7.6280% | 677 |
| Net loans and leases to total assets | 51.8072% | 5,607 |
| Net loans and leases to deposits | 59.4016% | 5,778 |
| Net loans and leases to core deposits | 61.9525% | 5,934 |
| Total domestic deposits to total assets | 87.2151% | 2,819 |
| Equity capital to assets | 12.2933% | 1,742 |
| Core capital (leverage) ratio | 12.3521% | 1,387 |
| Tier 1 risk-based capital ratio | 22.1100% | 1,210 |
| Total risk-based capital ratio | 23.3829% | 1,182 |
| Memoranda: | ||
| Average total assets | $63,637,500 | 6,074 |
| Average earning assets | $61,939,000 | 5,939 |
| Average equity | $7,815,500 | 5,675 |
| Average total loans | $34,505,000 | 6,104 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2013% | 6,919 |
| Cost of funding earning assets | 1.1546% | 4,822 |
| Net interest margin | 3.0467% | 6,646 |
| Noninterest income to average assets | 0.6048% | 3,445 |
| Noninterest expense to average assets | 2.0466% | 6,950 |
| Loan and lease loss provision to assets | 0.5432% | 2,970 |
| Net operating income to assets | 0.7564% | 2,970 |
| Return on assets (ROA) | 0.7564% | 3,093 |
| Pretax return on assets | 0.9570% | 3,079 |
| Return on Equity (ROE) | 6.2973% | 3,452 |
| Retained earnings to average equity (ytd only) | 5.9029% | 1,878 |
| Net charge-offs to loans | 1.0742% | 2,065 |
| Credit loss provision to net charge-offs | 93.9891% | 4,943 |
| Earnings coverage of net charge-offs (x) | 2.5956% | 3,801 |
| Efficiency ratio | 57.7026% | 6,374 |
| Assets per employee ($millions) | 5.2503% | 1,803 |
| Cash dividends to net income (ytd only)* | 6.2630% | 3,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9522% | 906 |
| Loan loss allowance to noncurrent loans | 63.2198% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 2.5633% | 2,713 |
| Noncurrent loans to loans | 4.6698% | 1,496 |
| Net loans and leases to total assets | 53.2712% | 5,744 |
| Net loans and leases to deposits | 61.0015% | 5,952 |
| Net loans and leases to core deposits | 63.2488% | 6,123 |
| Total domestic deposits to total assets | 87.3278% | 2,649 |
| Equity capital to assets | 12.2691% | 1,760 |
| Core capital (leverage) ratio | 12.0691% | 1,498 |
| Tier 1 risk-based capital ratio | 21.8658% | 1,196 |
| Total risk-based capital ratio | 23.1359% | 1,171 |
| Memoranda: | ||
| Average total assets | $63,326,000 | 6,080 |
| Average earning assets | $61,147,800 | 5,953 |
| Average equity | $7,606,400 | 5,841 |
| Average total loans | $34,072,600 | 6,204 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2219% | 7,064 |
| Cost of funding earning assets | 1.1498% | 5,151 |
| Net interest margin | 3.0721% | 6,680 |
| Noninterest income to average assets | 0.6056% | 3,405 |
| Noninterest expense to average assets | 1.6465% | 7,471 |
| Loan and lease loss provision to assets | 0.2776% | 4,358 |
| Net operating income to assets | 1.1965% | 1,604 |
| Return on assets (ROA) | 1.1965% | 1,683 |
| Pretax return on assets | 1.6423% | 1,234 |
| Return on Equity (ROE) | 10.0145% | 2,114 |
| Retained earnings to average equity (ytd only) | 10.0145% | 789 |
| Net charge-offs to loans | 1.1430% | 1,782 |
| Credit loss provision to net charge-offs | 45.3608% | 5,954 |
| Earnings coverage of net charge-offs (x) | 3.1375% | 3,573 |
| Efficiency ratio | 46.1675% | 7,377 |
| Assets per employee ($millions) | 5.3490% | 1,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4763% | 1,364 |
| Loan loss allowance to noncurrent loans | 79.3537% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 1.7355% | 3,838 |
| Noncurrent loans to loans | 3.1205% | 2,557 |
| Net loans and leases to total assets | 54.2391% | 5,814 |
| Net loans and leases to deposits | 62.3377% | 6,085 |
| Net loans and leases to core deposits | 64.5811% | 6,250 |
| Total domestic deposits to total assets | 87.0085% | 2,526 |
| Equity capital to assets | 12.2313% | 2,019 |
| Core capital (leverage) ratio | 12.1061% | 1,612 |
| Tier 1 risk-based capital ratio | 21.3456% | 1,307 |
| Total risk-based capital ratio | 22.6102% | 1,284 |
| Memoranda: | ||
| Average total assets | $63,406,500 | 6,148 |
| Average earning assets | $61,108,000 | 6,023 |
| Average equity | $7,575,500 | 5,919 |
| Average total loans | $33,944,750 | 6,293 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4031% | 6,894 |
| Cost of funding earning assets | 1.2449% | 4,867 |
| Net interest margin | 3.1583% | 6,436 |
| Noninterest income to average assets | 0.5891% | 3,421 |
| Noninterest expense to average assets | 1.6786% | 7,515 |
| Loan and lease loss provision to assets | 0.2502% | 4,421 |
| Net operating income to assets | 1.2036% | 1,550 |
| Return on assets (ROA) | 1.2036% | 1,622 |
| Pretax return on assets | 1.6977% | 1,063 |
| Return on Equity (ROE) | 10.1554% | 2,045 |
| Retained earnings to average equity (ytd only) | 10.1554% | 814 |
| Net charge-offs to loans | -0.0839% | 7,530 |
| Credit loss provision to net charge-offs | -564.2857% | 6,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2882% | 7,427 |
| Assets per employee ($millions) | 4.6357% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1813% | 715 |
| Loan loss allowance to noncurrent loans | 85.2213% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 2.0539% | 3,442 |
| Noncurrent loans to loans | 3.7330% | 2,084 |
| Net loans and leases to total assets | 53.2712% | 6,082 |
| Net loans and leases to deposits | 60.8755% | 6,326 |
| Net loans and leases to core deposits | 62.7391% | 6,492 |
| Total domestic deposits to total assets | 87.5085% | 2,250 |
| Equity capital to assets | 11.8120% | 2,216 |
| Core capital (leverage) ratio | 12.1334% | 1,575 |
| Tier 1 risk-based capital ratio | 20.4347% | 1,444 |
| Total risk-based capital ratio | 21.7069% | 1,405 |
| Memoranda: | ||
| Average total assets | $63,146,000 | 6,203 |
| Average earning assets | $60,729,330 | 6,074 |
| Average equity | $7,483,670 | 5,977 |
| Average total loans | $33,360,000 | 6,366 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4423% | 6,917 |
| Cost of funding earning assets | 1.3187% | 4,700 |
| Net interest margin | 3.1236% | 6,537 |
| Noninterest income to average assets | 0.5203% | 3,891 |
| Noninterest expense to average assets | 1.4325% | 7,746 |
| Loan and lease loss provision to assets | 0.0385% | 6,293 |
| Net operating income to assets | 1.3875% | 1,101 |
| Return on assets (ROA) | 1.3875% | 1,178 |
| Pretax return on assets | 2.0620% | 544 |
| Return on Equity (ROE) | 11.6875% | 1,590 |
| Retained earnings to average equity (ytd only) | 11.6875% | 801 |
| Net charge-offs to loans | -0.1740% | 7,647 |
| Credit loss provision to net charge-offs | -42.8571% | 6,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5455% | 7,716 |
| Assets per employee ($millions) | 4.7685% | 2,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3100% | 628 |
| Loan loss allowance to noncurrent loans | 101.1418% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 1.8277% | 3,738 |
| Noncurrent loans to loans | 3.2726% | 2,437 |
| Net loans and leases to total assets | 50.0920% | 6,456 |
| Net loans and leases to deposits | 57.4250% | 6,661 |
| Net loans and leases to core deposits | 59.2731% | 6,800 |
| Total domestic deposits to total assets | 87.2302% | 2,516 |
| Equity capital to assets | 12.0939% | 1,992 |
| Core capital (leverage) ratio | 11.9871% | 1,657 |
| Tier 1 risk-based capital ratio | 21.3815% | 1,290 |
| Total risk-based capital ratio | 22.6535% | 1,258 |
| Memoranda: | ||
| Average total assets | $62,269,000 | 6,297 |
| Average earning assets | $60,059,000 | 6,167 |
| Average equity | $7,392,500 | 6,061 |
| Average total loans | $32,185,500 | 6,509 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5843% | 7,299 |
| Cost of funding earning assets | 1.9272% | 3,322 |
| Net interest margin | 2.6571% | 7,268 |
| Noninterest income to average assets | 0.5693% | 3,869 |
| Noninterest expense to average assets | 1.9638% | 7,423 |
| Loan and lease loss provision to assets | 0.0165% | 7,334 |
| Net operating income to assets | 0.8845% | 2,229 |
| Return on assets (ROA) | 0.8845% | 2,299 |
| Pretax return on assets | 1.1601% | 2,062 |
| Return on Equity (ROE) | 7.5785% | 2,548 |
| Retained earnings to average equity (ytd only) | 7.1544% | 916 |
| Net charge-offs to loans | 0.6078% | 3,396 |
| Credit loss provision to net charge-offs | 5.5249% | 6,991 |
| Earnings coverage of net charge-offs (x) | 3.9392% | 3,131 |
| Efficiency ratio | 62.5328% | 6,050 |
| Assets per employee ($millions) | 4.8114% | 2,465 |
| Cash dividends to net income (ytd only)* | 5.5970% | 3,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2335% | 644 |
| Loan loss allowance to noncurrent loans | 124.6117% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 1.4693% | 4,190 |
| Noncurrent loans to loans | 2.5949% | 2,961 |
| Net loans and leases to total assets | 49.9025% | 6,654 |
| Net loans and leases to deposits | 56.8305% | 6,865 |
| Net loans and leases to core deposits | 76.0736% | 6,395 |
| Total domestic deposits to total assets | 87.8094% | 2,070 |
| Equity capital to assets | 11.6519% | 2,217 |
| Core capital (leverage) ratio | 11.3268% | 2,019 |
| Tier 1 risk-based capital ratio | 20.5905% | 1,363 |
| Total risk-based capital ratio | 21.8602% | 1,325 |
| Memoranda: | ||
| Average total assets | $60,597,200 | 6,323 |
| Average earning assets | $58,634,600 | 6,193 |
| Average equity | $7,072,600 | 6,249 |
| Average total loans | $29,779,800 | 6,638 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5952% | 7,423 |
| Cost of funding earning assets | 2.0454% | 3,139 |
| Net interest margin | 2.5498% | 7,404 |
| Noninterest income to average assets | 0.5944% | 3,755 |
| Noninterest expense to average assets | 1.6458% | 7,802 |
| Loan and lease loss provision to assets | 0.0111% | 7,222 |
| Net operating income to assets | 1.0403% | 1,936 |
| Return on assets (ROA) | 1.0403% | 1,995 |
| Pretax return on assets | 1.4041% | 1,683 |
| Return on Equity (ROE) | 8.9093% | 2,301 |
| Retained earnings to average equity (ytd only) | 8.9093% | 868 |
| Net charge-offs to loans | 0.2240% | 4,646 |
| Credit loss provision to net charge-offs | 10.2041% | 6,617 |
| Earnings coverage of net charge-offs (x) | 13.0208% | 1,709 |
| Efficiency ratio | 53.7681% | 7,263 |
| Assets per employee ($millions) | 4.7008% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8339% | 329 |
| Loan loss allowance to noncurrent loans | 118.1818% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 2.0111% | 3,328 |
| Noncurrent loans to loans | 3.2441% | 2,333 |
| Net loans and leases to total assets | 48.0225% | 6,955 |
| Net loans and leases to deposits | 55.0022% | 7,147 |
| Net loans and leases to core deposits | 74.7352% | 6,684 |
| Total domestic deposits to total assets | 87.3100% | 2,010 |
| Equity capital to assets | 11.8735% | 2,309 |
| Core capital (leverage) ratio | 11.8411% | 1,875 |
| Tier 1 risk-based capital ratio | 21.4330% | 1,298 |
| Total risk-based capital ratio | 22.7110% | 1,269 |
| Memoranda: | ||
| Average total assets | $60,109,500 | 6,385 |
| Average earning assets | $58,146,000 | 6,247 |
| Average equity | $7,018,750 | 6,313 |
| Average total loans | $29,160,750 | 6,730 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6658% | 7,436 |
| Cost of funding earning assets | 2.1236% | 3,170 |
| Net interest margin | 2.5422% | 7,423 |
| Noninterest income to average assets | 0.5989% | 3,705 |
| Noninterest expense to average assets | 1.5960% | 7,917 |
| Loan and lease loss provision to assets | 0.0134% | 7,083 |
| Net operating income to assets | 1.0138% | 2,058 |
| Return on assets (ROA) | 1.0138% | 2,150 |
| Pretax return on assets | 1.4487% | 1,593 |
| Return on Equity (ROE) | 8.7324% | 2,455 |
| Retained earnings to average equity (ytd only) | 8.7324% | 1,000 |
| Net charge-offs to loans | 0.4598% | 2,988 |
| Credit loss provision to net charge-offs | 6.0606% | 6,211 |
| Earnings coverage of net charge-offs (x) | 6.6212% | 2,585 |
| Efficiency ratio | 52.1882% | 7,504 |
| Assets per employee ($millions) | 4.3546% | 3,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9291% | 277 |
| Loan loss allowance to noncurrent loans | 288.0000% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 1.0646% | 4,838 |
| Noncurrent loans to loans | 1.3643% | 4,487 |
| Net loans and leases to total assets | 46.2043% | 7,181 |
| Net loans and leases to deposits | 52.7303% | 7,342 |
| Net loans and leases to core deposits | 71.2465% | 6,951 |
| Total domestic deposits to total assets | 87.6238% | 1,958 |
| Equity capital to assets | 11.6282% | 2,446 |
| Core capital (leverage) ratio | 11.6436% | 2,008 |
| Tier 1 risk-based capital ratio | 21.6554% | 1,309 |
| Total risk-based capital ratio | 22.9345% | 1,272 |
| Memoranda: | ||
| Average total assets | $59,775,670 | 6,456 |
| Average earning assets | $57,825,000 | 6,320 |
| Average equity | $6,939,670 | 6,391 |
| Average total loans | $28,708,670 | 6,809 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8173% | 7,344 |
| Cost of funding earning assets | 2.1954% | 3,188 |
| Net interest margin | 2.6219% | 7,335 |
| Noninterest income to average assets | 0.5948% | 3,582 |
| Noninterest expense to average assets | 1.3383% | 8,063 |
| Loan and lease loss provision to assets | 0.0541% | 6,288 |
| Net operating income to assets | 1.1490% | 1,806 |
| Return on assets (ROA) | 1.1490% | 1,930 |
| Pretax return on assets | 1.7370% | 1,105 |
| Return on Equity (ROE) | 9.9053% | 2,356 |
| Retained earnings to average equity (ytd only) | 9.9053% | 1,217 |
| Net charge-offs to loans | 1.3238% | 1,059 |
| Credit loss provision to net charge-offs | 8.5106% | 5,211 |
| Earnings coverage of net charge-offs (x) | 2.8191% | 3,368 |
| Efficiency ratio | 42.7646% | 7,975 |
| Assets per employee ($millions) | 4.2667% | 3,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9550% | 232 |
| Loan loss allowance to noncurrent loans | 192.4915% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 1.5988% | 3,516 |
| Noncurrent loans to loans | 2.0546% | 3,188 |
| Net loans and leases to total assets | 45.8583% | 7,200 |
| Net loans and leases to deposits | 52.2428% | 7,390 |
| Net loans and leases to core deposits | 69.3792% | 7,057 |
| Total domestic deposits to total assets | 87.7792% | 1,856 |
| Equity capital to assets | 11.6316% | 2,493 |
| Core capital (leverage) ratio | 11.8031% | 1,997 |
| Tier 1 risk-based capital ratio | 21.7647% | 1,327 |
| Total risk-based capital ratio | 23.0432% | 1,294 |
| Memoranda: | ||
| Average total assets | $59,181,500 | 6,502 |
| Average earning assets | $57,211,000 | 6,369 |
| Average equity | $6,865,000 | 6,454 |
| Average total loans | $28,403,000 | 6,856 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6733% | 6,857 |
| Cost of funding earning assets | 2.7621% | 2,868 |
| Net interest margin | 2.9112% | 7,132 |
| Noninterest income to average assets | 0.6536% | 3,447 |
| Noninterest expense to average assets | 2.5209% | 5,930 |
| Loan and lease loss provision to assets | 0.8139% | 1,825 |
| Net operating income to assets | 0.1116% | 6,080 |
| Return on assets (ROA) | 0.1116% | 5,915 |
| Pretax return on assets | 0.1314% | 5,881 |
| Return on Equity (ROE) | 0.8950% | 5,950 |
| Retained earnings to average equity (ytd only) | 0.3898% | 5,004 |
| Net charge-offs to loans | 0.6253% | 1,967 |
| Credit loss provision to net charge-offs | 282.5000% | 1,614 |
| Earnings coverage of net charge-offs (x) | 3.2813% | 4,448 |
| Efficiency ratio | 72.7273% | 3,807 |
| Assets per employee ($millions) | 4.1878% | 3,143 |
| Cash dividends to net income (ytd only)* | 56.4516% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2920% | 156 |
| Loan loss allowance to noncurrent loans | 71.9194% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 3.2544% | 1,400 |
| Noncurrent loans to loans | 5.9678% | 604 |
| Net loans and leases to total assets | 46.1734% | 7,315 |
| Net loans and leases to deposits | 52.5334% | 7,510 |
| Net loans and leases to core deposits | 67.5744% | 7,305 |
| Total domestic deposits to total assets | 87.8934% | 1,516 |
| Equity capital to assets | 11.5677% | 2,591 |
| Core capital (leverage) ratio | 11.8182% | 2,070 |
| Tier 1 risk-based capital ratio | 21.6925% | 1,356 |
| Total risk-based capital ratio | 22.9764% | 1,313 |
| Memoranda: | ||
| Average total assets | $55,534,800 | 6,551 |
| Average earning assets | $53,654,600 | 6,430 |
| Average equity | $6,927,200 | 6,483 |
| Average total loans | $25,586,400 | 6,990 |