Home > Hustisford State Bank > Performance and Condition Ratios
Hustisford 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 | 4.1046% | 3,797 |
| Cost of funding earning assets | 1.1382% | 2,963 |
| Net interest margin | 2.9665% | 3,366 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 1.9313% | 3,770 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7650% | 2,997 |
| Return on assets (ROA) | 0.7650% | 2,972 |
| Pretax return on assets | 0.9400% | 2,845 |
| Return on Equity (ROE) | 6.3500% | 3,459 |
| Retained earnings to average equity (ytd only) | 0.7605% | 3,886 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.2608% | 2,201 |
| Assets per employee ($millions) | 8.8591% | 1,034 |
| Cash dividends to net income (ytd only)* | 88.0282% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8109% | 3,940 |
| Loan loss allowance to noncurrent loans | 81.3559% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.6660% | 797 |
| Noncurrent loans to loans | 0.9968% | 743 |
| Net loans and leases to total assets | 66.2700% | 2,230 |
| Net loans and leases to deposits | 96.4532% | 747 |
| Net loans and leases to core deposits | 103.4537% | 1,247 |
| Total domestic deposits to total assets | 68.7100% | 4,331 |
| Equity capital to assets | 11.5662% | 1,260 |
| Core capital (leverage) ratio | 14.8161% | 651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $74,252,200 | 4,077 |
| Average earning assets | $69,409,200 | 4,040 |
| Average equity | $8,941,600 | 3,828 |
| Average total loans | $47,991,200 | 3,870 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0355% | 3,789 |
| Cost of funding earning assets | 0.9307% | 3,201 |
| Net interest margin | 3.1048% | 3,132 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 1.9520% | 3,709 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8196% | 2,966 |
| Return on assets (ROA) | 0.8196% | 2,956 |
| Pretax return on assets | 1.0391% | 2,745 |
| Return on Equity (ROE) | 6.7300% | 3,499 |
| Retained earnings to average equity (ytd only) | 6.7330% | 2,385 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.2599% | 2,360 |
| Assets per employee ($millions) | 8.5480% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9052% | 3,715 |
| Loan loss allowance to noncurrent loans | 92.0245% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.6356% | 915 |
| Noncurrent loans to loans | 0.9836% | 831 |
| Net loans and leases to total assets | 64.0300% | 2,446 |
| Net loans and leases to deposits | 89.1638% | 1,294 |
| Net loans and leases to core deposits | 98.2019% | 1,434 |
| Total domestic deposits to total assets | 71.8200% | 4,261 |
| Equity capital to assets | 11.4231% | 1,208 |
| Core capital (leverage) ratio | 15.7429% | 529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $72,882,250 | 4,107 |
| Average earning assets | $68,193,750 | 4,073 |
| Average equity | $8,871,500 | 3,840 |
| Average total loans | $46,671,250 | 3,899 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9719% | 3,745 |
| Cost of funding earning assets | 0.7662% | 3,309 |
| Net interest margin | 3.2057% | 2,981 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 1.9711% | 3,654 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8500% | 2,924 |
| Return on assets (ROA) | 0.8500% | 2,931 |
| Pretax return on assets | 1.1016% | 2,642 |
| Return on Equity (ROE) | 6.8300% | 3,515 |
| Retained earnings to average equity (ytd only) | 6.8320% | 2,344 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.1492% | 2,466 |
| Assets per employee ($millions) | 8.0290% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 3,546 |
| Loan loss allowance to noncurrent loans | 98.2533% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.6338% | 841 |
| Noncurrent loans to loans | 0.9840% | 770 |
| Net loans and leases to total assets | 63.7900% | 2,406 |
| Net loans and leases to deposits | 83.9697% | 1,670 |
| Net loans and leases to core deposits | 86.1366% | 2,061 |
| Total domestic deposits to total assets | 75.9700% | 4,042 |
| Equity capital to assets | 12.5282% | 920 |
| Core capital (leverage) ratio | 16.0906% | 466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $71,532,333 | 4,131 |
| Average earning assets | $66,819,333 | 4,107 |
| Average equity | $8,899,333 | 3,859 |
| Average total loans | $45,657,333 | 3,926 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8906% | 3,694 |
| Cost of funding earning assets | 0.6023% | 3,378 |
| Net interest margin | 3.2883% | 2,906 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 1.9728% | 3,683 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9218% | 2,782 |
| Return on assets (ROA) | 0.9218% | 2,737 |
| Pretax return on assets | 1.1747% | 2,497 |
| Return on Equity (ROE) | 7.4400% | 3,422 |
| Retained earnings to average equity (ytd only) | 7.4355% | 2,379 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.6786% | 2,612 |
| Assets per employee ($millions) | 7.9267% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 3,603 |
| Loan loss allowance to noncurrent loans | 70.4225% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 0.8957% | 502 |
| Noncurrent loans to loans | 1.3906% | 476 |
| Net loans and leases to total assets | 63.7800% | 2,269 |
| Net loans and leases to deposits | 81.9903% | 1,654 |
| Net loans and leases to core deposits | 84.4729% | 1,955 |
| Total domestic deposits to total assets | 77.7900% | 4,020 |
| Equity capital to assets | 12.6297% | 842 |
| Core capital (leverage) ratio | 16.1749% | 454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $71,168,000 | 4,192 |
| Average earning assets | $66,417,000 | 4,167 |
| Average equity | $8,822,500 | 3,911 |
| Average total loans | $45,213,000 | 3,975 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6191% | 2,744 |
| Cost of funding earning assets | 0.5049% | 1,351 |
| Net interest margin | 3.1142% | 3,137 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 1.9535% | 3,703 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7560% | 3,468 |
| Return on assets (ROA) | 0.7560% | 3,405 |
| Pretax return on assets | 0.9464% | 3,229 |
| Return on Equity (ROE) | 5.8600% | 3,853 |
| Retained earnings to average equity (ytd only) | 3.1840% | 3,672 |
| Net charge-offs to loans | -0.0095% | 3,813 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.3644% | 2,041 |
| Assets per employee ($millions) | 7.8884% | 1,381 |
| Cash dividends to net income (ytd only)* | 45.6204% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8769% | 3,850 |
| Loan loss allowance to noncurrent loans | 63.2091% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 0.8691% | 526 |
| Noncurrent loans to loans | 1.3874% | 487 |
| Net loans and leases to total assets | 62.0900% | 2,427 |
| Net loans and leases to deposits | 73.9462% | 2,263 |
| Net loans and leases to core deposits | 77.9775% | 2,276 |
| Total domestic deposits to total assets | 83.9700% | 3,216 |
| Equity capital to assets | 12.1627% | 889 |
| Core capital (leverage) ratio | 16.6126% | 406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $72,486,800 | 4,210 |
| Average earning assets | $66,149,400 | 4,197 |
| Average equity | $9,359,400 | 3,954 |
| Average total loans | $41,969,000 | 4,028 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5755% | 2,407 |
| Cost of funding earning assets | 0.5315% | 632 |
| Net interest margin | 3.0440% | 3,101 |
| Noninterest income to average assets | 0.0400% | 4,631 |
| Noninterest expense to average assets | 1.9215% | 3,696 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7045% | 3,556 |
| Return on assets (ROA) | 0.7045% | 3,508 |
| Pretax return on assets | 0.8820% | 3,373 |
| Return on Equity (ROE) | 5.3800% | 3,906 |
| Retained earnings to average equity (ytd only) | 5.3804% | 2,961 |
| Net charge-offs to loans | -0.0032% | 3,371 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.5379% | 1,951 |
| Assets per employee ($millions) | 7.6980% | 1,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9265% | 3,780 |
| Loan loss allowance to noncurrent loans | 43.6302% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 1.2803% | 297 |
| Noncurrent loans to loans | 2.1235% | 277 |
| Net loans and leases to total assets | 59.7300% | 2,530 |
| Net loans and leases to deposits | 69.6700% | 2,394 |
| Net loans and leases to core deposits | 74.3447% | 2,325 |
| Total domestic deposits to total assets | 85.7400% | 3,125 |
| Equity capital to assets | 12.3654% | 802 |
| Core capital (leverage) ratio | 16.1180% | 434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $72,859,500 | 4,237 |
| Average earning assets | $66,227,250 | 4,225 |
| Average equity | $9,540,500 | 3,974 |
| Average total loans | $41,343,000 | 4,062 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5198% | 2,071 |
| Cost of funding earning assets | 0.5531% | 383 |
| Net interest margin | 2.9668% | 2,982 |
| Noninterest income to average assets | 0.0081% | 4,725 |
| Noninterest expense to average assets | 1.8690% | 3,781 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6428% | 3,496 |
| Return on assets (ROA) | 0.6428% | 3,445 |
| Pretax return on assets | 0.8048% | 3,312 |
| Return on Equity (ROE) | 4.8251% | 3,851 |
| Retained earnings to average equity (ytd only) | 4.8251% | 2,776 |
| Net charge-offs to loans | -0.0049% | 3,328 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8990% | 1,974 |
| Assets per employee ($millions) | 6.5619% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9392% | 3,836 |
| Loan loss allowance to noncurrent loans | 52.5102% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.0210% | 450 |
| Noncurrent loans to loans | 1.7887% | 373 |
| Net loans and leases to total assets | 56.5481% | 2,695 |
| Net loans and leases to deposits | 67.1675% | 2,456 |
| Net loans and leases to core deposits | 72.2310% | 2,315 |
| Total domestic deposits to total assets | 84.1897% | 3,648 |
| Equity capital to assets | 12.6723% | 726 |
| Core capital (leverage) ratio | 15.3014% | 445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,052,000 | 4,273 |
| Average earning assets | $66,537,000 | 4,284 |
| Average equity | $9,865,000 | 4,009 |
| Average total loans | $41,200,333 | 4,117 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4464% | 1,957 |
| Cost of funding earning assets | 0.5457% | 385 |
| Net interest margin | 2.9007% | 2,835 |
| Noninterest income to average assets | -0.0640% | 4,778 |
| Noninterest expense to average assets | 1.8296% | 3,868 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5654% | 3,505 |
| Return on assets (ROA) | 0.5654% | 3,482 |
| Pretax return on assets | 0.7148% | 3,351 |
| Return on Equity (ROE) | 4.1471% | 3,838 |
| Retained earnings to average equity (ytd only) | 4.1471% | 2,883 |
| Net charge-offs to loans | 0.0291% | 1,023 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 44.6667% | 965 |
| Efficiency ratio | 71.9078% | 1,985 |
| Assets per employee ($millions) | 7.4797% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9177% | 3,993 |
| Loan loss allowance to noncurrent loans | 47.8750% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.0696% | 450 |
| Noncurrent loans to loans | 1.9168% | 388 |
| Net loans and leases to total assets | 55.2870% | 2,601 |
| Net loans and leases to deposits | 66.3006% | 2,309 |
| Net loans and leases to core deposits | 70.3246% | 2,264 |
| Total domestic deposits to total assets | 83.3884% | 3,888 |
| Equity capital to assets | 12.8976% | 711 |
| Core capital (leverage) ratio | 14.9044% | 444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,987,500 | 4,286 |
| Average earning assets | $67,433,000 | 4,299 |
| Average equity | $10,224,000 | 4,025 |
| Average total loans | $41,198,500 | 4,141 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7003% | 2,111 |
| Cost of funding earning assets | 0.6284% | 469 |
| Net interest margin | 3.0719% | 2,992 |
| Noninterest income to average assets | 0.0852% | 4,653 |
| Noninterest expense to average assets | 1.9680% | 3,775 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7319% | 3,540 |
| Return on assets (ROA) | 0.7319% | 3,601 |
| Pretax return on assets | 0.9302% | 3,421 |
| Return on Equity (ROE) | 4.9071% | 4,014 |
| Retained earnings to average equity (ytd only) | 4.9071% | 2,818 |
| Net charge-offs to loans | 0.0292% | 1,656 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 55.5000% | 1,232 |
| Efficiency ratio | 67.9036% | 1,995 |
| Assets per employee ($millions) | 7.5178% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9493% | 3,936 |
| Loan loss allowance to noncurrent loans | 59.2025% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.9870% | 572 |
| Noncurrent loans to loans | 1.6035% | 542 |
| Net loans and leases to total assets | 53.5729% | 2,898 |
| Net loans and leases to deposits | 65.3306% | 2,565 |
| Net loans and leases to core deposits | 69.3428% | 2,518 |
| Total domestic deposits to total assets | 82.0027% | 3,965 |
| Equity capital to assets | 14.3672% | 604 |
| Core capital (leverage) ratio | 14.7507% | 498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,595,600 | 4,324 |
| Average earning assets | $65,562,600 | 4,316 |
| Average equity | $10,678,400 | 4,068 |
| Average total loans | $41,158,200 | 4,160 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7804% | 2,059 |
| Cost of funding earning assets | 0.6372% | 526 |
| Net interest margin | 3.1432% | 2,924 |
| Noninterest income to average assets | 0.0698% | 4,756 |
| Noninterest expense to average assets | 1.9896% | 3,712 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7638% | 3,615 |
| Return on assets (ROA) | 0.7638% | 3,676 |
| Pretax return on assets | 0.9731% | 3,536 |
| Return on Equity (ROE) | 5.0714% | 4,106 |
| Retained earnings to average equity (ytd only) | 5.0714% | 3,193 |
| Net charge-offs to loans | 0.0388% | 1,313 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,320 |
| Efficiency ratio | 67.1547% | 1,947 |
| Assets per employee ($millions) | 8.2852% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 4,081 |
| Loan loss allowance to noncurrent loans | 60.8833% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.9709% | 692 |
| Noncurrent loans to loans | 1.5217% | 684 |
| Net loans and leases to total assets | 55.3583% | 2,809 |
| Net loans and leases to deposits | 68.8144% | 2,355 |
| Net loans and leases to core deposits | 73.1482% | 2,308 |
| Total domestic deposits to total assets | 80.4458% | 4,172 |
| Equity capital to assets | 14.4675% | 642 |
| Core capital (leverage) ratio | 14.7565% | 528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,700,000 | 4,388 |
| Average earning assets | $65,071,000 | 4,381 |
| Average equity | $10,647,750 | 4,126 |
| Average total loans | $41,282,500 | 4,212 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9449% | 1,701 |
| Cost of funding earning assets | 0.6476% | 583 |
| Net interest margin | 3.2973% | 2,445 |
| Noninterest income to average assets | 0.0519% | 4,836 |
| Noninterest expense to average assets | 2.0314% | 3,600 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8414% | 3,391 |
| Return on assets (ROA) | 0.8414% | 3,464 |
| Pretax return on assets | 1.0719% | 3,294 |
| Return on Equity (ROE) | 5.5089% | 4,027 |
| Retained earnings to average equity (ytd only) | 5.5089% | 2,993 |
| Net charge-offs to loans | -0.0146% | 3,841 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4596% | 2,233 |
| Assets per employee ($millions) | 8.1570% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 3,851 |
| Loan loss allowance to noncurrent loans | 63.6508% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 0.9739% | 781 |
| Noncurrent loans to loans | 1.5566% | 718 |
| Net loans and leases to total assets | 54.5843% | 3,065 |
| Net loans and leases to deposits | 68.0051% | 2,616 |
| Net loans and leases to core deposits | 72.4708% | 2,567 |
| Total domestic deposits to total assets | 80.2651% | 4,201 |
| Equity capital to assets | 14.6159% | 597 |
| Core capital (leverage) ratio | 15.4382% | 427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $69,411,000 | 4,433 |
| Average earning assets | $64,235,000 | 4,415 |
| Average equity | $10,601,000 | 4,145 |
| Average total loans | $41,155,000 | 4,255 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0918% | 1,409 |
| Cost of funding earning assets | 0.6714% | 612 |
| Net interest margin | 3.4204% | 2,056 |
| Noninterest income to average assets | 0.0297% | 4,891 |
| Noninterest expense to average assets | 2.1421% | 3,296 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9019% | 3,119 |
| Return on assets (ROA) | 0.9019% | 3,200 |
| Pretax return on assets | 1.0918% | 3,131 |
| Return on Equity (ROE) | 5.7704% | 3,926 |
| Retained earnings to average equity (ytd only) | 5.7704% | 2,979 |
| Net charge-offs to loans | -0.0289% | 4,156 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2385% | 2,191 |
| Assets per employee ($millions) | 7.5838% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 3,917 |
| Loan loss allowance to noncurrent loans | 54.4098% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.2043% | 620 |
| Noncurrent loans to loans | 1.8013% | 643 |
| Net loans and leases to total assets | 59.3562% | 2,626 |
| Net loans and leases to deposits | 75.1577% | 1,998 |
| Net loans and leases to core deposits | 80.2969% | 1,976 |
| Total domestic deposits to total assets | 78.9756% | 4,333 |
| Equity capital to assets | 15.3720% | 457 |
| Core capital (leverage) ratio | 16.0262% | 378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,410,000 | 4,468 |
| Average earning assets | $63,150,000 | 4,444 |
| Average equity | $10,536,500 | 4,163 |
| Average total loans | $41,496,000 | 4,272 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4574% | 1,422 |
| Cost of funding earning assets | 0.7562% | 1,416 |
| Net interest margin | 3.7012% | 1,794 |
| Noninterest income to average assets | 0.1172% | 4,684 |
| Noninterest expense to average assets | 2.3718% | 3,199 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9028% | 2,683 |
| Return on assets (ROA) | 0.9028% | 2,820 |
| Pretax return on assets | 1.1867% | 2,378 |
| Return on Equity (ROE) | 5.2016% | 3,849 |
| Retained earnings to average equity (ytd only) | 2.8243% | 3,456 |
| Net charge-offs to loans | 0.0385% | 2,282 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 42.2941% | 1,335 |
| Efficiency ratio | 66.6512% | 2,415 |
| Assets per employee ($millions) | 7.3962% | 1,339 |
| Cash dividends to net income (ytd only)* | 45.7038% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9459% | 4,054 |
| Loan loss allowance to noncurrent loans | 79.4411% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 0.9134% | 1,080 |
| Noncurrent loans to loans | 1.1906% | 1,188 |
| Net loans and leases to total assets | 62.6145% | 2,529 |
| Net loans and leases to deposits | 80.6252% | 1,799 |
| Net loans and leases to core deposits | 86.6564% | 1,816 |
| Total domestic deposits to total assets | 77.6613% | 4,353 |
| Equity capital to assets | 15.8955% | 436 |
| Core capital (leverage) ratio | 16.3234% | 361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,588,000 | 4,506 |
| Average earning assets | $56,333,800 | 4,490 |
| Average equity | $10,516,000 | 4,150 |
| Average total loans | $44,152,600 | 4,222 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6378% | 1,215 |
| Cost of funding earning assets | 0.7617% | 1,668 |
| Net interest margin | 3.8762% | 1,414 |
| Noninterest income to average assets | 0.1083% | 4,728 |
| Noninterest expense to average assets | 2.4683% | 2,940 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9183% | 2,630 |
| Return on assets (ROA) | 0.9183% | 2,761 |
| Pretax return on assets | 1.2455% | 2,245 |
| Return on Equity (ROE) | 5.1682% | 3,844 |
| Retained earnings to average equity (ytd only) | 5.1682% | 2,490 |
| Net charge-offs to loans | 0.0239% | 2,363 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 1,005 |
| Efficiency ratio | 66.4642% | 2,404 |
| Assets per employee ($millions) | 6.3456% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 3,942 |
| Loan loss allowance to noncurrent loans | 50.1232% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 1.4482% | 607 |
| Noncurrent loans to loans | 1.8703% | 686 |
| Net loans and leases to total assets | 67.7777% | 2,276 |
| Net loans and leases to deposits | 88.9645% | 1,374 |
| Net loans and leases to core deposits | 97.1165% | 1,372 |
| Total domestic deposits to total assets | 76.1851% | 4,407 |
| Equity capital to assets | 16.8904% | 387 |
| Core capital (leverage) ratio | 17.1774% | 322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,093,500 | 4,542 |
| Average earning assets | $54,967,000 | 4,526 |
| Average equity | $10,499,750 | 4,156 |
| Average total loans | $44,671,250 | 4,233 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8373% | 1,081 |
| Cost of funding earning assets | 0.7612% | 2,045 |
| Net interest margin | 4.0760% | 1,169 |
| Noninterest income to average assets | 0.1145% | 4,722 |
| Noninterest expense to average assets | 2.6267% | 2,581 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9265% | 2,603 |
| Return on assets (ROA) | 0.9265% | 2,725 |
| Pretax return on assets | 1.2596% | 2,152 |
| Return on Equity (ROE) | 5.1213% | 3,801 |
| Retained earnings to average equity (ytd only) | 5.1213% | 2,419 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5893% | 2,294 |
| Assets per employee ($millions) | 6.1868% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9192% | 3,919 |
| Loan loss allowance to noncurrent loans | 60.8504% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.2753% | 828 |
| Noncurrent loans to loans | 1.5107% | 1,003 |
| Net loans and leases to total assets | 72.3007% | 1,653 |
| Net loans and leases to deposits | 96.2910% | 772 |
| Net loans and leases to core deposits | 105.0467% | 943 |
| Total domestic deposits to total assets | 75.0857% | 4,512 |
| Equity capital to assets | 17.0945% | 369 |
| Core capital (leverage) ratio | 17.8350% | 298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,639,333 | 4,571 |
| Average earning assets | $53,336,000 | 4,562 |
| Average equity | $10,427,000 | 4,173 |
| Average total loans | $45,089,667 | 4,233 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0625% | 859 |
| Cost of funding earning assets | 0.7758% | 2,514 |
| Net interest margin | 4.2867% | 781 |
| Noninterest income to average assets | 0.1441% | 4,645 |
| Noninterest expense to average assets | 2.7087% | 2,684 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0518% | 2,000 |
| Return on assets (ROA) | 1.0518% | 2,096 |
| Pretax return on assets | 1.3760% | 1,637 |
| Return on Equity (ROE) | 5.6411% | 3,444 |
| Retained earnings to average equity (ytd only) | 5.6411% | 2,022 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3139% | 2,909 |
| Assets per employee ($millions) | 5.5101% | 2,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 4,003 |
| Loan loss allowance to noncurrent loans | 354.7009% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.4065% | 2,830 |
| Noncurrent loans to loans | 0.2624% | 3,556 |
| Net loans and leases to total assets | 80.1782% | 680 |
| Net loans and leases to deposits | 113.5211% | 141 |
| Net loans and leases to core deposits | 123.1059% | 384 |
| Total domestic deposits to total assets | 70.6285% | 4,834 |
| Equity capital to assets | 18.9180% | 293 |
| Core capital (leverage) ratio | 18.9019% | 283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,525,000 | 4,617 |
| Average earning assets | $51,041,500 | 4,620 |
| Average equity | $10,352,500 | 4,200 |
| Average total loans | $45,061,500 | 4,248 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0817% | 1,256 |
| Cost of funding earning assets | 0.6573% | 3,378 |
| Net interest margin | 4.4244% | 849 |
| Noninterest income to average assets | 0.1521% | 4,732 |
| Noninterest expense to average assets | 2.7779% | 2,676 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0663% | 2,595 |
| Return on assets (ROA) | 1.0663% | 2,687 |
| Pretax return on assets | 1.4557% | 1,956 |
| Return on Equity (ROE) | 5.6001% | 4,037 |
| Retained earnings to average equity (ytd only) | 1.7044% | 4,121 |
| Net charge-offs to loans | 0.0023% | 3,615 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 785.0000% | 129 |
| Efficiency ratio | 65.6154% | 2,828 |
| Assets per employee ($millions) | 5.5949% | 1,980 |
| Cash dividends to net income (ytd only)* | 69.5652% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9115% | 3,907 |
| Loan loss allowance to noncurrent loans | 209.5960% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.5451% | 2,256 |
| Noncurrent loans to loans | 0.4349% | 2,886 |
| Net loans and leases to total assets | 80.6341% | 713 |
| Net loans and leases to deposits | 115.7838% | 116 |
| Net loans and leases to core deposits | 124.1749% | 381 |
| Total domestic deposits to total assets | 69.6420% | 4,946 |
| Equity capital to assets | 18.3757% | 338 |
| Core capital (leverage) ratio | 18.6299% | 301 |
| Tier 1 risk-based capital ratio | 27.7551% | 576 |
| Total risk-based capital ratio | 28.8774% | 569 |
| Memoranda: | ||
| Average total assets | $53,926,400 | 4,682 |
| Average earning assets | $49,746,800 | 4,678 |
| Average equity | $10,267,600 | 4,204 |
| Average total loans | $43,402,200 | 4,323 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0421% | 1,438 |
| Cost of funding earning assets | 0.6181% | 3,594 |
| Net interest margin | 4.4240% | 896 |
| Noninterest income to average assets | 0.1398% | 4,836 |
| Noninterest expense to average assets | 2.7804% | 2,624 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0532% | 2,774 |
| Return on assets (ROA) | 1.0532% | 2,860 |
| Pretax return on assets | 1.4501% | 2,118 |
| Return on Equity (ROE) | 5.4816% | 4,194 |
| Retained earnings to average equity (ytd only) | 5.4816% | 2,632 |
| Net charge-offs to loans | 0.0031% | 3,305 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 582.4436% | 171 |
| Efficiency ratio | 65.7227% | 2,764 |
| Assets per employee ($millions) | 5.5903% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9069% | 4,010 |
| Loan loss allowance to noncurrent loans | 193.9252% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.5742% | 2,284 |
| Noncurrent loans to loans | 0.4677% | 2,899 |
| Net loans and leases to total assets | 81.1137% | 696 |
| Net loans and leases to deposits | 117.5289% | 110 |
| Net loans and leases to core deposits | 124.7593% | 396 |
| Total domestic deposits to total assets | 69.0160% | 5,028 |
| Equity capital to assets | 18.8290% | 322 |
| Core capital (leverage) ratio | 19.2142% | 278 |
| Tier 1 risk-based capital ratio | 28.1505% | 567 |
| Total risk-based capital ratio | 29.2621% | 558 |
| Memoranda: | ||
| Average total assets | $53,420,750 | 4,762 |
| Average earning assets | $49,396,000 | 4,750 |
| Average equity | $10,264,250 | 4,249 |
| Average total loans | $42,870,500 | 4,394 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0261% | 1,409 |
| Cost of funding earning assets | 0.5818% | 3,744 |
| Net interest margin | 4.4443% | 863 |
| Noninterest income to average assets | 0.1407% | 4,869 |
| Noninterest expense to average assets | 2.8597% | 2,381 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0458% | 2,737 |
| Return on assets (ROA) | 1.0458% | 2,812 |
| Pretax return on assets | 1.3766% | 2,278 |
| Return on Equity (ROE) | 5.4043% | 4,235 |
| Retained earnings to average equity (ytd only) | 5.4043% | 2,576 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5045% | 2,612 |
| Assets per employee ($millions) | 5.2782% | 2,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 3,780 |
| Loan loss allowance to noncurrent loans | 231.1111% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.5437% | 2,379 |
| Noncurrent loans to loans | 0.4201% | 3,030 |
| Net loans and leases to total assets | 80.3873% | 826 |
| Net loans and leases to deposits | 111.0065% | 201 |
| Net loans and leases to core deposits | 116.2784% | 672 |
| Total domestic deposits to total assets | 72.4167% | 4,949 |
| Equity capital to assets | 19.6431% | 258 |
| Core capital (leverage) ratio | 20.1372% | 233 |
| Tier 1 risk-based capital ratio | 30.4317% | 470 |
| Total risk-based capital ratio | 31.6535% | 462 |
| Memoranda: | ||
| Average total assets | $52,593,330 | 4,810 |
| Average earning assets | $48,466,670 | 4,798 |
| Average equity | $10,177,000 | 4,279 |
| Average total loans | $41,907,330 | 4,451 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9894% | 1,358 |
| Cost of funding earning assets | 0.5470% | 3,836 |
| Net interest margin | 4.4424% | 825 |
| Noninterest income to average assets | 0.1448% | 4,869 |
| Noninterest expense to average assets | 2.9334% | 2,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9981% | 2,849 |
| Return on assets (ROA) | 0.9981% | 2,888 |
| Pretax return on assets | 1.2953% | 2,470 |
| Return on Equity (ROE) | 5.1976% | 4,266 |
| Retained earnings to average equity (ytd only) | 5.1976% | 2,816 |
| Net charge-offs to loans | 0.0097% | 2,347 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 170.0000% | 449 |
| Efficiency ratio | 69.3694% | 2,443 |
| Assets per employee ($millions) | 5.1478% | 2,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 3,696 |
| Loan loss allowance to noncurrent loans | 242.6901% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.5400% | 2,481 |
| Noncurrent loans to loans | 0.4127% | 3,106 |
| Net loans and leases to total assets | 79.6748% | 879 |
| Net loans and leases to deposits | 104.9111% | 363 |
| Net loans and leases to core deposits | 109.7685% | 943 |
| Total domestic deposits to total assets | 75.9451% | 4,766 |
| Equity capital to assets | 19.7871% | 245 |
| Core capital (leverage) ratio | 19.6996% | 249 |
| Tier 1 risk-based capital ratio | 30.2567% | 466 |
| Total risk-based capital ratio | 31.4856% | 456 |
| Memoranda: | ||
| Average total assets | $52,499,000 | 4,863 |
| Average earning assets | $48,262,000 | 4,853 |
| Average equity | $10,081,500 | 4,313 |
| Average total loans | $41,438,000 | 4,502 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0308% | 984 |
| Cost of funding earning assets | 0.5358% | 3,138 |
| Net interest margin | 4.4950% | 768 |
| Noninterest income to average assets | 0.1791% | 4,829 |
| Noninterest expense to average assets | 2.7798% | 2,754 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1194% | 2,519 |
| Return on assets (ROA) | 1.1194% | 2,514 |
| Pretax return on assets | 1.5466% | 1,637 |
| Return on Equity (ROE) | 5.9617% | 4,190 |
| Retained earnings to average equity (ytd only) | 0.9936% | 4,705 |
| Net charge-offs to loans | 0.0070% | 3,436 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 276.3333% | 351 |
| Efficiency ratio | 64.2518% | 3,152 |
| Assets per employee ($millions) | 4.8655% | 2,658 |
| Cash dividends to net income (ytd only)* | 83.3333% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 3,660 |
| Loan loss allowance to noncurrent loans | 116.2011% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.8688% | 1,603 |
| Noncurrent loans to loans | 0.8638% | 1,872 |
| Net loans and leases to total assets | 76.6629% | 1,494 |
| Net loans and leases to deposits | 99.1901% | 805 |
| Net loans and leases to core deposits | 102.2223% | 1,562 |
| Total domestic deposits to total assets | 77.2889% | 4,589 |
| Equity capital to assets | 18.6416% | 294 |
| Core capital (leverage) ratio | 19.3212% | 256 |
| Tier 1 risk-based capital ratio | 29.5619% | 484 |
| Total risk-based capital ratio | 30.7810% | 478 |
| Memoranda: | ||
| Average total assets | $53,601,800 | 4,876 |
| Average earning assets | $49,455,000 | 4,864 |
| Average equity | $10,064,200 | 4,287 |
| Average total loans | $42,860,400 | 4,475 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0337% | 876 |
| Cost of funding earning assets | 0.5318% | 2,981 |
| Net interest margin | 4.5019% | 736 |
| Noninterest income to average assets | 0.1641% | 4,965 |
| Noninterest expense to average assets | 2.7849% | 2,688 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0344% | 2,945 |
| Return on assets (ROA) | 1.0344% | 2,955 |
| Pretax return on assets | 1.5466% | 1,741 |
| Return on Equity (ROE) | 5.4992% | 4,418 |
| Retained earnings to average equity (ytd only) | 5.4992% | 2,950 |
| Net charge-offs to loans | 0.0093% | 3,092 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 207.3275% | 431 |
| Efficiency ratio | 64.2939% | 3,132 |
| Assets per employee ($millions) | 4.7712% | 2,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9825% | 3,880 |
| Loan loss allowance to noncurrent loans | 121.6374% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.6936% | 2,119 |
| Noncurrent loans to loans | 0.8077% | 2,091 |
| Net loans and leases to total assets | 79.8868% | 1,038 |
| Net loans and leases to deposits | 105.0170% | 483 |
| Net loans and leases to core deposits | 110.5087% | 1,004 |
| Total domestic deposits to total assets | 76.0703% | 4,783 |
| Equity capital to assets | 19.5073% | 251 |
| Core capital (leverage) ratio | 19.7588% | 245 |
| Tier 1 risk-based capital ratio | 30.4202% | 455 |
| Total risk-based capital ratio | 31.6365% | 452 |
| Memoranda: | ||
| Average total assets | $53,622,250 | 4,934 |
| Average earning assets | $49,637,500 | 4,914 |
| Average equity | $10,086,000 | 4,328 |
| Average total loans | $43,214,000 | 4,522 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9967% | 831 |
| Cost of funding earning assets | 0.5169% | 2,881 |
| Net interest margin | 4.4798% | 725 |
| Noninterest income to average assets | 0.1593% | 5,032 |
| Noninterest expense to average assets | 2.8110% | 2,631 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1296% | 2,475 |
| Return on assets (ROA) | 1.1296% | 2,482 |
| Pretax return on assets | 1.4888% | 1,855 |
| Return on Equity (ROE) | 6.0785% | 4,202 |
| Retained earnings to average equity (ytd only) | 6.0785% | 2,510 |
| Net charge-offs to loans | 0.0138% | 2,678 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 134.0000% | 569 |
| Efficiency ratio | 65.3747% | 3,089 |
| Assets per employee ($millions) | 4.4165% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9586% | 4,070 |
| Loan loss allowance to noncurrent loans | 122.7139% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.7415% | 2,014 |
| Noncurrent loans to loans | 0.7812% | 2,171 |
| Net loans and leases to total assets | 81.0993% | 841 |
| Net loans and leases to deposits | 105.8020% | 446 |
| Net loans and leases to core deposits | 110.5080% | 967 |
| Total domestic deposits to total assets | 76.6519% | 4,780 |
| Equity capital to assets | 19.1724% | 258 |
| Core capital (leverage) ratio | 19.3175% | 253 |
| Tier 1 risk-based capital ratio | 29.1030% | 512 |
| Total risk-based capital ratio | 30.2794% | 508 |
| Memoranda: | ||
| Average total assets | $54,002,000 | 4,980 |
| Average earning assets | $49,913,000 | 4,967 |
| Average equity | $10,035,330 | 4,376 |
| Average total loans | $43,504,330 | 4,554 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9555% | 770 |
| Cost of funding earning assets | 0.5011% | 2,787 |
| Net interest margin | 4.4543% | 677 |
| Noninterest income to average assets | 0.1541% | 5,094 |
| Noninterest expense to average assets | 2.7154% | 2,994 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1889% | 2,056 |
| Return on assets (ROA) | 1.1889% | 2,069 |
| Pretax return on assets | 1.5485% | 1,535 |
| Return on Equity (ROE) | 6.4979% | 3,985 |
| Retained earnings to average equity (ytd only) | 6.4979% | 2,502 |
| Net charge-offs to loans | 0.0092% | 2,410 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 211.0000% | 321 |
| Efficiency ratio | 63.6833% | 3,528 |
| Assets per employee ($millions) | 4.9212% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9647% | 4,143 |
| Loan loss allowance to noncurrent loans | 139.7993% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.6853% | 2,275 |
| Noncurrent loans to loans | 0.6901% | 2,485 |
| Net loans and leases to total assets | 79.2677% | 1,036 |
| Net loans and leases to deposits | 103.6524% | 500 |
| Net loans and leases to core deposits | 109.1219% | 1,054 |
| Total domestic deposits to total assets | 76.4746% | 4,924 |
| Equity capital to assets | 18.5100% | 283 |
| Core capital (leverage) ratio | 18.8206% | 261 |
| Tier 1 risk-based capital ratio | 28.0693% | 556 |
| Total risk-based capital ratio | 29.2253% | 558 |
| Memoranda: | ||
| Average total assets | $54,504,000 | 5,031 |
| Average earning assets | $50,288,000 | 5,025 |
| Average equity | $9,972,500 | 4,430 |
| Average total loans | $43,558,000 | 4,599 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9433% | 722 |
| Cost of funding earning assets | 0.4523% | 2,755 |
| Net interest margin | 4.4910% | 623 |
| Noninterest income to average assets | 0.0128% | 5,594 |
| Noninterest expense to average assets | 2.6449% | 3,299 |
| Loan and lease loss provision to assets | -0.2386% | 5,596 |
| Net operating income to assets | 1.1747% | 1,598 |
| Return on assets (ROA) | 1.1747% | 1,620 |
| Pretax return on assets | 1.7253% | 950 |
| Return on Equity (ROE) | 6.5131% | 3,524 |
| Retained earnings to average equity (ytd only) | 3.4601% | 3,207 |
| Net charge-offs to loans | 0.2317% | 1,118 |
| Credit loss provision to net charge-offs | -130.0000% | 4,744 |
| Earnings coverage of net charge-offs (x) | 8.1000% | 2,956 |
| Efficiency ratio | 64.0160% | 3,604 |
| Assets per employee ($millions) | 4.9886% | 2,491 |
| Cash dividends to net income (ytd only)* | 46.8750% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 4,176 |
| Loan loss allowance to noncurrent loans | 175.3138% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.5667% | 2,652 |
| Noncurrent loans to loans | 0.5458% | 2,863 |
| Net loans and leases to total assets | 79.0323% | 1,114 |
| Net loans and leases to deposits | 102.6947% | 565 |
| Net loans and leases to core deposits | 107.3251% | 1,195 |
| Total domestic deposits to total assets | 76.9585% | 4,853 |
| Equity capital to assets | 18.0866% | 303 |
| Core capital (leverage) ratio | 18.5829% | 257 |
| Tier 1 risk-based capital ratio | 27.3579% | 575 |
| Total risk-based capital ratio | 28.5057% | 573 |
| Memoranda: | ||
| Average total assets | $54,482,200 | 5,067 |
| Average earning assets | $49,966,600 | 5,063 |
| Average equity | $9,826,400 | 4,482 |
| Average total loans | $43,163,000 | 4,634 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9079% | 749 |
| Cost of funding earning assets | 0.4464% | 2,749 |
| Net interest margin | 4.4615% | 650 |
| Noninterest income to average assets | 0.1054% | 5,460 |
| Noninterest expense to average assets | 2.6600% | 3,205 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9757% | 2,659 |
| Return on assets (ROA) | 0.9757% | 2,719 |
| Pretax return on assets | 1.5372% | 1,637 |
| Return on Equity (ROE) | 5.4138% | 4,367 |
| Retained earnings to average equity (ytd only) | 5.4138% | 2,595 |
| Net charge-offs to loans | 0.3100% | 679 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 6.2700% | 3,002 |
| Efficiency ratio | 63.3762% | 3,658 |
| Assets per employee ($millions) | 4.9051% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 2,469 |
| Loan loss allowance to noncurrent loans | 119.6078% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 1.2251% | 1,335 |
| Noncurrent loans to loans | 1.0690% | 1,808 |
| Net loans and leases to total assets | 78.5585% | 1,185 |
| Net loans and leases to deposits | 101.8013% | 628 |
| Net loans and leases to core deposits | 107.2627% | 1,186 |
| Total domestic deposits to total assets | 77.1684% | 4,853 |
| Equity capital to assets | 18.5707% | 295 |
| Core capital (leverage) ratio | 18.7848% | 263 |
| Tier 1 risk-based capital ratio | 28.0446% | 565 |
| Total risk-based capital ratio | 29.2981% | 553 |
| Memoranda: | ||
| Average total assets | $54,384,000 | 5,126 |
| Average earning assets | $49,877,750 | 5,120 |
| Average equity | $9,801,750 | 4,529 |
| Average total loans | $43,006,750 | 4,687 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9055% | 685 |
| Cost of funding earning assets | 0.4409% | 2,683 |
| Net interest margin | 4.4647% | 616 |
| Noninterest income to average assets | 0.1577% | 5,264 |
| Noninterest expense to average assets | 2.6262% | 3,350 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9867% | 2,493 |
| Return on assets (ROA) | 0.9867% | 2,541 |
| Pretax return on assets | 1.6176% | 1,291 |
| Return on Equity (ROE) | 5.5299% | 4,254 |
| Retained earnings to average equity (ytd only) | 5.5299% | 2,388 |
| Net charge-offs to loans | 0.2417% | 843 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 8.4808% | 2,507 |
| Efficiency ratio | 61.8842% | 4,007 |
| Assets per employee ($millions) | 4.8544% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 1,984 |
| Loan loss allowance to noncurrent loans | 118.9243% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.1573% | 1,484 |
| Noncurrent loans to loans | 1.1700% | 1,675 |
| Net loans and leases to total assets | 79.2314% | 1,059 |
| Net loans and leases to deposits | 103.6757% | 511 |
| Net loans and leases to core deposits | 107.6293% | 1,124 |
| Total domestic deposits to total assets | 76.4223% | 5,040 |
| Equity capital to assets | 18.5381% | 286 |
| Core capital (leverage) ratio | 18.5353% | 268 |
| Tier 1 risk-based capital ratio | 27.7409% | 566 |
| Total risk-based capital ratio | 28.9971% | 552 |
| Memoranda: | ||
| Average total assets | $54,526,670 | 5,164 |
| Average earning assets | $49,902,670 | 5,158 |
| Average equity | $9,729,000 | 4,558 |
| Average total loans | $43,030,330 | 4,715 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0031% | 525 |
| Cost of funding earning assets | 0.4295% | 2,726 |
| Net interest margin | 4.5736% | 458 |
| Noninterest income to average assets | 0.1380% | 5,421 |
| Noninterest expense to average assets | 2.5921% | 3,529 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1327% | 1,736 |
| Return on assets (ROA) | 1.1327% | 1,771 |
| Pretax return on assets | 1.7208% | 963 |
| Return on Equity (ROE) | 6.4703% | 3,682 |
| Retained earnings to average equity (ytd only) | 6.4703% | 2,101 |
| Net charge-offs to loans | 0.0278% | 2,200 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 658 |
| Efficiency ratio | 60.1010% | 4,442 |
| Assets per employee ($millions) | 4.9823% | 2,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 1,740 |
| Loan loss allowance to noncurrent loans | 112.1528% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 1.1897% | 1,483 |
| Noncurrent loans to loans | 1.3250% | 1,531 |
| Net loans and leases to total assets | 78.1407% | 1,114 |
| Net loans and leases to deposits | 102.3102% | 485 |
| Net loans and leases to core deposits | 108.0975% | 973 |
| Total domestic deposits to total assets | 76.3762% | 5,192 |
| Equity capital to assets | 17.7758% | 319 |
| Core capital (leverage) ratio | 18.2689% | 272 |
| Tier 1 risk-based capital ratio | 27.4008% | 598 |
| Total risk-based capital ratio | 28.6585% | 582 |
| Memoranda: | ||
| Average total assets | $55,091,000 | 5,207 |
| Average earning assets | $50,289,000 | 5,204 |
| Average equity | $9,644,000 | 4,597 |
| Average total loans | $43,093,000 | 4,748 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1076% | 492 |
| Cost of funding earning assets | 0.4165% | 2,845 |
| Net interest margin | 4.6911% | 428 |
| Noninterest income to average assets | 0.1652% | 5,386 |
| Noninterest expense to average assets | 2.6213% | 3,615 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2141% | 1,454 |
| Return on assets (ROA) | 1.2141% | 1,543 |
| Pretax return on assets | 1.8305% | 740 |
| Return on Equity (ROE) | 6.8881% | 3,525 |
| Retained earnings to average equity (ytd only) | 4.6237% | 2,614 |
| Net charge-offs to loans | -0.0069% | 4,866 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8824% | 4,737 |
| Assets per employee ($millions) | 5.0343% | 2,354 |
| Cash dividends to net income (ytd only)* | 32.8746% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5194% | 1,600 |
| Loan loss allowance to noncurrent loans | 410.7595% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.4226% | 3,579 |
| Noncurrent loans to loans | 0.3699% | 3,798 |
| Net loans and leases to total assets | 75.9629% | 1,518 |
| Net loans and leases to deposits | 98.6515% | 766 |
| Net loans and leases to core deposits | 104.9918% | 1,208 |
| Total domestic deposits to total assets | 77.0013% | 5,116 |
| Equity capital to assets | 17.2382% | 362 |
| Core capital (leverage) ratio | 18.0698% | 279 |
| Tier 1 risk-based capital ratio | 27.9612% | 565 |
| Total risk-based capital ratio | 29.2190% | 557 |
| Memoranda: | ||
| Average total assets | $53,865,800 | 5,268 |
| Average earning assets | $49,220,400 | 5,263 |
| Average equity | $9,494,600 | 4,656 |
| Average total loans | $43,209,200 | 4,777 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1706% | 440 |
| Cost of funding earning assets | 0.4220% | 2,823 |
| Net interest margin | 4.7485% | 399 |
| Noninterest income to average assets | 0.1545% | 5,500 |
| Noninterest expense to average assets | 2.6298% | 3,566 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1616% | 1,761 |
| Return on assets (ROA) | 1.1616% | 1,866 |
| Pretax return on assets | 1.8720% | 756 |
| Return on Equity (ROE) | 6.5528% | 3,805 |
| Retained earnings to average equity (ytd only) | 6.5528% | 1,876 |
| Net charge-offs to loans | -0.0123% | 4,847 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4164% | 4,763 |
| Assets per employee ($millions) | 4.8745% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5280% | 1,661 |
| Loan loss allowance to noncurrent loans | 129.2247% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 1.0798% | 1,897 |
| Noncurrent loans to loans | 1.1824% | 1,900 |
| Net loans and leases to total assets | 78.1253% | 1,173 |
| Net loans and leases to deposits | 103.2307% | 491 |
| Net loans and leases to core deposits | 109.4562% | 958 |
| Total domestic deposits to total assets | 75.6803% | 5,268 |
| Equity capital to assets | 18.1354% | 334 |
| Core capital (leverage) ratio | 18.2087% | 289 |
| Tier 1 risk-based capital ratio | 27.9269% | 586 |
| Total risk-based capital ratio | 29.1854% | 576 |
| Memoranda: | ||
| Average total assets | $53,488,000 | 5,328 |
| Average earning assets | $48,968,250 | 5,316 |
| Average equity | $9,481,750 | 4,705 |
| Average total loans | $43,332,750 | 4,811 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1961% | 427 |
| Cost of funding earning assets | 0.4142% | 2,893 |
| Net interest margin | 4.7819% | 383 |
| Noninterest income to average assets | 0.1497% | 5,551 |
| Noninterest expense to average assets | 2.6383% | 3,580 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1339% | 1,834 |
| Return on assets (ROA) | 1.1339% | 1,946 |
| Pretax return on assets | 1.8748% | 736 |
| Return on Equity (ROE) | 6.4461% | 3,829 |
| Retained earnings to average equity (ytd only) | 6.4461% | 1,896 |
| Net charge-offs to loans | -0.0138% | 4,799 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4577% | 4,840 |
| Assets per employee ($millions) | 4.7565% | 2,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 1,811 |
| Loan loss allowance to noncurrent loans | 92.4501% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.4870% | 1,286 |
| Noncurrent loans to loans | 1.6361% | 1,306 |
| Net loans and leases to total assets | 80.7668% | 789 |
| Net loans and leases to deposits | 107.2647% | 323 |
| Net loans and leases to core deposits | 113.3226% | 756 |
| Total domestic deposits to total assets | 75.2967% | 5,379 |
| Equity capital to assets | 18.3043% | 314 |
| Core capital (leverage) ratio | 17.9172% | 301 |
| Tier 1 risk-based capital ratio | 27.0868% | 645 |
| Total risk-based capital ratio | 28.3456% | 626 |
| Memoranda: | ||
| Average total assets | $53,444,330 | 5,390 |
| Average earning assets | $48,767,670 | 5,382 |
| Average equity | $9,401,000 | 4,754 |
| Average total loans | $43,597,000 | 4,843 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2609% | 377 |
| Cost of funding earning assets | 0.4153% | 2,899 |
| Net interest margin | 4.8456% | 333 |
| Noninterest income to average assets | 0.1555% | 5,562 |
| Noninterest expense to average assets | 2.6219% | 3,683 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9258% | 2,619 |
| Return on assets (ROA) | 0.9258% | 2,728 |
| Pretax return on assets | 1.9405% | 641 |
| Return on Equity (ROE) | 5.3688% | 4,308 |
| Retained earnings to average equity (ytd only) | 5.3688% | 2,732 |
| Net charge-offs to loans | 0.0182% | 2,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 131.0000% | 448 |
| Efficiency ratio | 57.4675% | 5,060 |
| Assets per employee ($millions) | 4.8763% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4794% | 2,072 |
| Loan loss allowance to noncurrent loans | 85.2980% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 1.5492% | 1,299 |
| Noncurrent loans to loans | 1.7344% | 1,292 |
| Net loans and leases to total assets | 79.9567% | 816 |
| Net loans and leases to deposits | 104.8017% | 377 |
| Net loans and leases to core deposits | 111.5481% | 779 |
| Total domestic deposits to total assets | 76.2934% | 5,378 |
| Equity capital to assets | 17.4929% | 377 |
| Core capital (leverage) ratio | 17.1364% | 358 |
| Tier 1 risk-based capital ratio | 26.1886% | 723 |
| Total risk-based capital ratio | 27.4461% | 708 |
| Memoranda: | ||
| Average total assets | $54,006,000 | 5,424 |
| Average earning assets | $49,117,000 | 5,419 |
| Average equity | $9,313,000 | 4,801 |
| Average total loans | $43,942,000 | 4,869 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1821% | 442 |
| Cost of funding earning assets | 0.4006% | 3,154 |
| Net interest margin | 4.7815% | 389 |
| Noninterest income to average assets | 0.1333% | 5,745 |
| Noninterest expense to average assets | 2.4445% | 4,398 |
| Loan and lease loss provision to assets | 0.3369% | 463 |
| Net operating income to assets | 1.1529% | 1,718 |
| Return on assets (ROA) | 1.1529% | 1,792 |
| Pretax return on assets | 1.7384% | 916 |
| Return on Equity (ROE) | 7.0714% | 3,474 |
| Retained earnings to average equity (ytd only) | 4.8616% | 2,520 |
| Net charge-offs to loans | 0.0399% | 3,428 |
| Credit loss provision to net charge-offs | 1,038.8889% | 323 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 835 |
| Efficiency ratio | 54.0853% | 5,516 |
| Assets per employee ($millions) | 4.9430% | 2,432 |
| Cash dividends to net income (ytd only)* | 31.2500% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4565% | 2,191 |
| Loan loss allowance to noncurrent loans | 128.6853% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 1.0630% | 2,060 |
| Noncurrent loans to loans | 1.1319% | 2,076 |
| Net loans and leases to total assets | 80.3818% | 789 |
| Net loans and leases to deposits | 104.3401% | 422 |
| Net loans and leases to core deposits | 112.6443% | 740 |
| Total domestic deposits to total assets | 77.0382% | 5,307 |
| Equity capital to assets | 16.9992% | 412 |
| Core capital (leverage) ratio | 16.8090% | 388 |
| Tier 1 risk-based capital ratio | 25.3580% | 786 |
| Total risk-based capital ratio | 26.6133% | 770 |
| Memoranda: | ||
| Average total assets | $55,512,400 | 5,419 |
| Average earning assets | $50,925,600 | 5,413 |
| Average equity | $9,050,600 | 4,837 |
| Average total loans | $45,165,400 | 4,825 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1458% | 475 |
| Cost of funding earning assets | 0.4030% | 3,196 |
| Net interest margin | 4.7428% | 425 |
| Noninterest income to average assets | 0.1816% | 5,568 |
| Noninterest expense to average assets | 2.4373% | 4,396 |
| Loan and lease loss provision to assets | 0.4468% | 247 |
| Net operating income to assets | 1.0108% | 2,418 |
| Return on assets (ROA) | 1.0108% | 2,514 |
| Pretax return on assets | 1.6560% | 1,223 |
| Return on Equity (ROE) | 6.2648% | 4,021 |
| Retained earnings to average equity (ytd only) | 6.2648% | 2,082 |
| Net charge-offs to loans | 0.0412% | 3,062 |
| Credit loss provision to net charge-offs | 1,335.7143% | 279 |
| Earnings coverage of net charge-offs (x) | 62.8441% | 886 |
| Efficiency ratio | 53.6842% | 5,544 |
| Assets per employee ($millions) | 4.9915% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4542% | 2,350 |
| Loan loss allowance to noncurrent loans | 99.6933% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.4898% | 1,508 |
| Noncurrent loans to loans | 1.4586% | 1,714 |
| Net loans and leases to total assets | 80.2262% | 797 |
| Net loans and leases to deposits | 106.5762% | 348 |
| Net loans and leases to core deposits | 116.0864% | 590 |
| Total domestic deposits to total assets | 75.2759% | 5,597 |
| Equity capital to assets | 16.8033% | 456 |
| Core capital (leverage) ratio | 16.4985% | 428 |
| Tier 1 risk-based capital ratio | 25.0805% | 851 |
| Total risk-based capital ratio | 26.3356% | 839 |
| Memoranda: | ||
| Average total assets | $55,797,250 | 5,479 |
| Average earning assets | $51,276,500 | 5,479 |
| Average equity | $9,002,500 | 4,906 |
| Average total loans | $45,368,750 | 4,865 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1066% | 494 |
| Cost of funding earning assets | 0.4081% | 3,185 |
| Net interest margin | 4.6986% | 450 |
| Noninterest income to average assets | 0.1604% | 5,746 |
| Noninterest expense to average assets | 2.4245% | 4,475 |
| Loan and lease loss provision to assets | 0.2567% | 664 |
| Net operating income to assets | 1.0518% | 2,135 |
| Return on assets (ROA) | 1.0518% | 2,244 |
| Pretax return on assets | 1.7898% | 913 |
| Return on Equity (ROE) | 6.6084% | 3,825 |
| Retained earnings to average equity (ytd only) | 6.6084% | 1,895 |
| Net charge-offs to loans | 0.0658% | 2,438 |
| Credit loss provision to net charge-offs | 480.0000% | 648 |
| Earnings coverage of net charge-offs (x) | 38.2667% | 1,163 |
| Efficiency ratio | 54.2265% | 5,565 |
| Assets per employee ($millions) | 5.0537% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 3,865 |
| Loan loss allowance to noncurrent loans | 112.8964% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.1495% | 2,208 |
| Noncurrent loans to loans | 1.0515% | 2,541 |
| Net loans and leases to total assets | 79.9572% | 810 |
| Net loans and leases to deposits | 107.8885% | 310 |
| Net loans and leases to core deposits | 112.3471% | 737 |
| Total domestic deposits to total assets | 74.1109% | 5,780 |
| Equity capital to assets | 16.2778% | 493 |
| Core capital (leverage) ratio | 16.2948% | 429 |
| Tier 1 risk-based capital ratio | 24.7056% | 892 |
| Total risk-based capital ratio | 25.9568% | 880 |
| Memoranda: | ||
| Average total assets | $56,094,330 | 5,533 |
| Average earning assets | $51,462,330 | 5,527 |
| Average equity | $8,928,000 | 4,957 |
| Average total loans | $45,592,000 | 4,903 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1135% | 471 |
| Cost of funding earning assets | 0.4113% | 3,180 |
| Net interest margin | 4.7022% | 407 |
| Noninterest income to average assets | 0.1562% | 5,808 |
| Noninterest expense to average assets | 2.4492% | 4,450 |
| Loan and lease loss provision to assets | 0.2556% | 638 |
| Net operating income to assets | 1.1713% | 1,633 |
| Return on assets (ROA) | 1.1713% | 1,736 |
| Pretax return on assets | 1.7535% | 946 |
| Return on Equity (ROE) | 7.4429% | 3,246 |
| Retained earnings to average equity (ytd only) | 7.4429% | 1,788 |
| Net charge-offs to loans | -0.0087% | 4,666 |
| Credit loss provision to net charge-offs | -3,600.0000% | 5,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9363% | 5,600 |
| Assets per employee ($millions) | 5.0313% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 4,414 |
| Loan loss allowance to noncurrent loans | 80.0623% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 1.2973% | 2,048 |
| Noncurrent loans to loans | 1.4008% | 2,049 |
| Net loans and leases to total assets | 81.8842% | 472 |
| Net loans and leases to deposits | 107.7768% | 264 |
| Net loans and leases to core deposits | 112.1316% | 646 |
| Total domestic deposits to total assets | 75.9757% | 5,740 |
| Equity capital to assets | 16.1878% | 524 |
| Core capital (leverage) ratio | 15.6665% | 510 |
| Tier 1 risk-based capital ratio | 23.1445% | 1,089 |
| Total risk-based capital ratio | 24.4760% | 1,056 |
| Memoranda: | ||
| Average total assets | $56,346,000 | 5,581 |
| Average earning assets | $51,550,000 | 5,578 |
| Average equity | $8,867,500 | 5,018 |
| Average total loans | $45,896,500 | 4,924 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1053% | 624 |
| Cost of funding earning assets | 0.4554% | 3,118 |
| Net interest margin | 4.6499% | 568 |
| Noninterest income to average assets | 0.1640% | 5,877 |
| Noninterest expense to average assets | 2.4182% | 4,797 |
| Loan and lease loss provision to assets | 0.2928% | 704 |
| Net operating income to assets | 1.1483% | 1,778 |
| Return on assets (ROA) | 1.1483% | 1,846 |
| Pretax return on assets | 1.7215% | 938 |
| Return on Equity (ROE) | 7.6246% | 3,311 |
| Retained earnings to average equity (ytd only) | 5.8677% | 2,007 |
| Net charge-offs to loans | 0.8612% | 384 |
| Credit loss provision to net charge-offs | 42.0253% | 3,636 |
| Earnings coverage of net charge-offs (x) | 2.8911% | 4,034 |
| Efficiency ratio | 54.5563% | 5,802 |
| Assets per employee ($millions) | 5.2135% | 2,061 |
| Cash dividends to net income (ytd only)* | 23.0415% | 3,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 4,866 |
| Loan loss allowance to noncurrent loans | 77.0598% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.3235% | 2,124 |
| Noncurrent loans to loans | 1.3468% | 2,186 |
| Net loans and leases to total assets | 79.3123% | 837 |
| Net loans and leases to deposits | 107.5781% | 308 |
| Net loans and leases to core deposits | 110.0029% | 773 |
| Total domestic deposits to total assets | 73.7253% | 5,968 |
| Equity capital to assets | 15.3031% | 649 |
| Core capital (leverage) ratio | 15.4890% | 535 |
| Tier 1 risk-based capital ratio | 23.6271% | 992 |
| Total risk-based capital ratio | 24.8774% | 974 |
| Memoranda: | ||
| Average total assets | $56,694,200 | 5,632 |
| Average earning assets | $52,043,600 | 5,621 |
| Average equity | $8,538,200 | 5,077 |
| Average total loans | $45,868,000 | 4,961 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0984% | 643 |
| Cost of funding earning assets | 0.4642% | 3,108 |
| Net interest margin | 4.6342% | 575 |
| Noninterest income to average assets | 0.1769% | 5,858 |
| Noninterest expense to average assets | 2.5024% | 4,520 |
| Loan and lease loss provision to assets | 0.2854% | 707 |
| Net operating income to assets | 1.0802% | 2,108 |
| Return on assets (ROA) | 1.0802% | 2,175 |
| Pretax return on assets | 1.6510% | 1,177 |
| Return on Equity (ROE) | 7.2021% | 3,608 |
| Retained earnings to average equity (ytd only) | 7.2021% | 1,717 |
| Net charge-offs to loans | 0.9888% | 315 |
| Credit loss provision to net charge-offs | 35.5882% | 3,363 |
| Earnings coverage of net charge-offs (x) | 2.4147% | 3,917 |
| Efficiency ratio | 56.3762% | 5,623 |
| Assets per employee ($millions) | 5.5601% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 5,022 |
| Loan loss allowance to noncurrent loans | 109.6847% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.1960% | 2,567 |
| Noncurrent loans to loans | 0.9515% | 3,179 |
| Net loans and leases to total assets | 83.0525% | 399 |
| Net loans and leases to deposits | 111.2589% | 193 |
| Net loans and leases to core deposits | 114.1861% | 582 |
| Total domestic deposits to total assets | 74.6479% | 5,955 |
| Equity capital to assets | 15.7084% | 604 |
| Core capital (leverage) ratio | 15.4262% | 556 |
| Tier 1 risk-based capital ratio | 23.5272% | 1,045 |
| Total risk-based capital ratio | 24.7782% | 1,029 |
| Memoranda: | ||
| Average total assets | $56,530,750 | 5,701 |
| Average earning assets | $51,989,250 | 5,683 |
| Average equity | $8,478,750 | 5,136 |
| Average total loans | $45,844,750 | 5,004 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0418% | 695 |
| Cost of funding earning assets | 0.4678% | 3,130 |
| Net interest margin | 4.5740% | 610 |
| Noninterest income to average assets | 0.1759% | 5,895 |
| Noninterest expense to average assets | 2.5088% | 4,552 |
| Loan and lease loss provision to assets | 0.2745% | 749 |
| Net operating income to assets | 1.0697% | 2,039 |
| Return on assets (ROA) | 1.0697% | 2,119 |
| Pretax return on assets | 1.5904% | 1,277 |
| Return on Equity (ROE) | 7.2436% | 3,491 |
| Retained earnings to average equity (ytd only) | 7.2436% | 1,642 |
| Net charge-offs to loans | 1.4966% | 186 |
| Credit loss provision to net charge-offs | 22.8739% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.5543% | 3,775 |
| Efficiency ratio | 57.3612% | 5,624 |
| Assets per employee ($millions) | 5.6585% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9582% | 5,529 |
| Loan loss allowance to noncurrent loans | 103.5047% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.1894% | 2,703 |
| Noncurrent loans to loans | 0.9257% | 3,404 |
| Net loans and leases to total assets | 80.9243% | 582 |
| Net loans and leases to deposits | 102.8988% | 403 |
| Net loans and leases to core deposits | 107.2690% | 812 |
| Total domestic deposits to total assets | 78.6445% | 5,525 |
| Equity capital to assets | 15.1701% | 664 |
| Core capital (leverage) ratio | 15.2745% | 561 |
| Tier 1 risk-based capital ratio | 22.7613% | 1,149 |
| Total risk-based capital ratio | 23.9378% | 1,138 |
| Memoranda: | ||
| Average total assets | $56,840,670 | 5,742 |
| Average earning assets | $52,164,330 | 5,730 |
| Average equity | $8,393,670 | 5,178 |
| Average total loans | $45,571,330 | 5,049 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9456% | 794 |
| Cost of funding earning assets | 0.4685% | 3,243 |
| Net interest margin | 4.4772% | 685 |
| Noninterest income to average assets | 0.1685% | 5,968 |
| Noninterest expense to average assets | 2.6120% | 4,230 |
| Loan and lease loss provision to assets | 0.2738% | 757 |
| Net operating income to assets | 0.9128% | 2,587 |
| Return on assets (ROA) | 0.9128% | 2,660 |
| Pretax return on assets | 1.3762% | 1,828 |
| Return on Equity (ROE) | 6.2662% | 3,872 |
| Retained earnings to average equity (ytd only) | 6.2662% | 2,396 |
| Net charge-offs to loans | 1.9982% | 132 |
| Credit loss provision to net charge-offs | 17.2566% | 2,532 |
| Earnings coverage of net charge-offs (x) | 1.0398% | 3,201 |
| Efficiency ratio | 61.2850% | 5,233 |
| Assets per employee ($millions) | 5.1628% | 2,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 4,866 |
| Loan loss allowance to noncurrent loans | 57.3481% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 2.1570% | 1,546 |
| Noncurrent loans to loans | 2.0079% | 1,858 |
| Net loans and leases to total assets | 78.4491% | 709 |
| Net loans and leases to deposits | 99.0088% | 490 |
| Net loans and leases to core deposits | 103.1631% | 913 |
| Total domestic deposits to total assets | 79.2344% | 5,647 |
| Equity capital to assets | 14.7576% | 724 |
| Core capital (leverage) ratio | 14.6849% | 652 |
| Tier 1 risk-based capital ratio | 22.2815% | 1,248 |
| Total risk-based capital ratio | 23.5339% | 1,223 |
| Memoranda: | ||
| Average total assets | $56,968,500 | 5,790 |
| Average earning assets | $52,086,500 | 5,785 |
| Average equity | $8,298,500 | 5,215 |
| Average total loans | $45,240,000 | 5,111 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1534% | 703 |
| Cost of funding earning assets | 0.5309% | 3,276 |
| Net interest margin | 4.6225% | 583 |
| Noninterest income to average assets | 0.1941% | 5,927 |
| Noninterest expense to average assets | 2.4766% | 4,843 |
| Loan and lease loss provision to assets | 0.3116% | 1,069 |
| Net operating income to assets | 1.1163% | 1,879 |
| Return on assets (ROA) | 1.1163% | 1,946 |
| Pretax return on assets | 1.6380% | 1,080 |
| Return on Equity (ROE) | 7.7716% | 3,159 |
| Retained earnings to average equity (ytd only) | 5.9124% | 2,023 |
| Net charge-offs to loans | 0.1543% | 3,262 |
| Credit loss provision to net charge-offs | 253.6232% | 891 |
| Earnings coverage of net charge-offs (x) | 15.8696% | 1,842 |
| Efficiency ratio | 55.9533% | 5,953 |
| Assets per employee ($millions) | 5.1951% | 1,966 |
| Cash dividends to net income (ytd only)* | 23.9234% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5548% | 2,945 |
| Loan loss allowance to noncurrent loans | 64.7113% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 2.2206% | 1,606 |
| Noncurrent loans to loans | 2.4026% | 1,592 |
| Net loans and leases to total assets | 78.2259% | 799 |
| Net loans and leases to deposits | 98.0221% | 587 |
| Net loans and leases to core deposits | 101.9755% | 1,034 |
| Total domestic deposits to total assets | 79.8044% | 5,491 |
| Equity capital to assets | 14.3772% | 807 |
| Core capital (leverage) ratio | 14.7398% | 637 |
| Tier 1 risk-based capital ratio | 21.6843% | 1,304 |
| Total risk-based capital ratio | 22.9405% | 1,284 |
| Memoranda: | ||
| Average total assets | $56,166,400 | 5,863 |
| Average earning assets | $51,422,600 | 5,848 |
| Average equity | $8,067,800 | 5,321 |
| Average total loans | $44,722,000 | 5,159 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1780% | 681 |
| Cost of funding earning assets | 0.5459% | 3,305 |
| Net interest margin | 4.6321% | 582 |
| Noninterest income to average assets | 0.1907% | 6,043 |
| Noninterest expense to average assets | 2.5297% | 4,625 |
| Loan and lease loss provision to assets | 0.2670% | 1,319 |
| Net operating income to assets | 1.1754% | 1,721 |
| Return on assets (ROA) | 1.1754% | 1,789 |
| Pretax return on assets | 1.6427% | 1,234 |
| Return on Equity (ROE) | 8.1850% | 3,029 |
| Retained earnings to average equity (ytd only) | 8.1850% | 1,346 |
| Net charge-offs to loans | 0.0838% | 3,754 |
| Credit loss provision to net charge-offs | 400.0000% | 664 |
| Earnings coverage of net charge-offs (x) | 28.6089% | 1,276 |
| Efficiency ratio | 56.9817% | 5,804 |
| Assets per employee ($millions) | 5.1802% | 1,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5123% | 3,406 |
| Loan loss allowance to noncurrent loans | 60.0877% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 2.1200% | 1,881 |
| Noncurrent loans to loans | 2.5168% | 1,716 |
| Net loans and leases to total assets | 78.2879% | 717 |
| Net loans and leases to deposits | 100.4775% | 451 |
| Net loans and leases to core deposits | 104.7921% | 835 |
| Total domestic deposits to total assets | 77.9158% | 5,919 |
| Equity capital to assets | 14.4941% | 831 |
| Core capital (leverage) ratio | 14.6273% | 703 |
| Tier 1 risk-based capital ratio | 21.8997% | 1,336 |
| Total risk-based capital ratio | 23.1554% | 1,319 |
| Memoranda: | ||
| Average total assets | $55,921,500 | 5,936 |
| Average earning assets | $51,293,000 | 5,920 |
| Average equity | $8,030,750 | 5,382 |
| Average total loans | $44,550,250 | 5,220 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2072% | 632 |
| Cost of funding earning assets | 0.5541% | 3,371 |
| Net interest margin | 4.6531% | 553 |
| Noninterest income to average assets | 0.1872% | 6,089 |
| Noninterest expense to average assets | 2.7570% | 3,830 |
| Loan and lease loss provision to assets | 0.2699% | 1,367 |
| Net operating income to assets | 0.8962% | 2,819 |
| Return on assets (ROA) | 0.8962% | 2,963 |
| Pretax return on assets | 1.4217% | 1,858 |
| Return on Equity (ROE) | 6.2605% | 4,009 |
| Retained earnings to average equity (ytd only) | 6.2605% | 2,285 |
| Net charge-offs to loans | 0.1219% | 3,149 |
| Credit loss provision to net charge-offs | 277.7778% | 917 |
| Earnings coverage of net charge-offs (x) | 17.4074% | 1,608 |
| Efficiency ratio | 61.9741% | 5,177 |
| Assets per employee ($millions) | 5.1055% | 1,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 3,865 |
| Loan loss allowance to noncurrent loans | 53.5980% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 2.2739% | 1,905 |
| Noncurrent loans to loans | 2.6787% | 1,703 |
| Net loans and leases to total assets | 79.2112% | 617 |
| Net loans and leases to deposits | 101.5268% | 353 |
| Net loans and leases to core deposits | 105.9419% | 743 |
| Total domestic deposits to total assets | 78.0199% | 5,976 |
| Equity capital to assets | 14.2682% | 887 |
| Core capital (leverage) ratio | 14.2424% | 763 |
| Tier 1 risk-based capital ratio | 21.3529% | 1,409 |
| Total risk-based capital ratio | 22.6091% | 1,385 |
| Memoranda: | ||
| Average total assets | $55,568,000 | 5,979 |
| Average earning assets | $50,890,670 | 5,970 |
| Average equity | $7,954,670 | 5,442 |
| Average total loans | $44,302,000 | 5,253 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1495% | 680 |
| Cost of funding earning assets | 0.5537% | 3,536 |
| Net interest margin | 4.5957% | 565 |
| Noninterest income to average assets | 0.1954% | 6,077 |
| Noninterest expense to average assets | 2.9020% | 3,333 |
| Loan and lease loss provision to assets | 0.2750% | 1,283 |
| Net operating income to assets | 0.7454% | 3,457 |
| Return on assets (ROA) | 0.7454% | 3,594 |
| Pretax return on assets | 1.2230% | 2,496 |
| Return on Equity (ROE) | 5.1984% | 4,462 |
| Retained earnings to average equity (ytd only) | 5.1984% | 3,112 |
| Net charge-offs to loans | 0.0729% | 3,114 |
| Credit loss provision to net charge-offs | 475.0000% | 555 |
| Earnings coverage of net charge-offs (x) | 25.8750% | 1,038 |
| Efficiency ratio | 65.9539% | 4,668 |
| Assets per employee ($millions) | 5.1030% | 2,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 4,130 |
| Loan loss allowance to noncurrent loans | 46.1877% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 2.4727% | 1,865 |
| Noncurrent loans to loans | 3.0753% | 1,626 |
| Net loans and leases to total assets | 77.8936% | 623 |
| Net loans and leases to deposits | 99.7058% | 366 |
| Net loans and leases to core deposits | 105.4734% | 659 |
| Total domestic deposits to total assets | 78.1234% | 6,099 |
| Equity capital to assets | 14.2002% | 961 |
| Core capital (leverage) ratio | 14.4415% | 684 |
| Tier 1 risk-based capital ratio | 21.1086% | 1,513 |
| Total risk-based capital ratio | 22.3628% | 1,482 |
| Memoranda: | ||
| Average total assets | $55,272,000 | 6,040 |
| Average earning assets | $50,568,500 | 6,029 |
| Average equity | $7,925,500 | 5,506 |
| Average total loans | $43,886,500 | 5,303 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4429% | 696 |
| Cost of funding earning assets | 0.7770% | 2,852 |
| Net interest margin | 4.6659% | 695 |
| Noninterest income to average assets | 0.0775% | 6,595 |
| Noninterest expense to average assets | 2.5864% | 4,784 |
| Loan and lease loss provision to assets | 0.1889% | 3,276 |
| Net operating income to assets | 1.1525% | 1,763 |
| Return on assets (ROA) | 1.1525% | 1,928 |
| Pretax return on assets | 1.5454% | 1,539 |
| Return on Equity (ROE) | 7.9301% | 3,114 |
| Retained earnings to average equity (ytd only) | 5.9801% | 2,086 |
| Net charge-offs to loans | 0.3585% | 2,839 |
| Credit loss provision to net charge-offs | 66.6667% | 4,259 |
| Earnings coverage of net charge-offs (x) | 6.1200% | 2,870 |
| Efficiency ratio | 59.8601% | 5,564 |
| Assets per employee ($millions) | 4.9465% | 2,298 |
| Cash dividends to net income (ytd only)* | 24.5902% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3819% | 4,255 |
| Loan loss allowance to noncurrent loans | 52.9568% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 2.1264% | 2,303 |
| Noncurrent loans to loans | 2.6095% | 2,026 |
| Net loans and leases to total assets | 78.6955% | 597 |
| Net loans and leases to deposits | 95.7213% | 635 |
| Net loans and leases to core deposits | 99.3780% | 1,056 |
| Total domestic deposits to total assets | 82.2132% | 5,027 |
| Equity capital to assets | 14.4824% | 881 |
| Core capital (leverage) ratio | 14.7169% | 624 |
| Tier 1 risk-based capital ratio | 21.2631% | 1,404 |
| Total risk-based capital ratio | 22.5185% | 1,379 |
| Memoranda: | ||
| Average total assets | $52,929,800 | 6,117 |
| Average earning assets | $48,136,200 | 6,117 |
| Average equity | $7,692,200 | 5,587 |
| Average total loans | $41,844,600 | 5,426 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4637% | 739 |
| Cost of funding earning assets | 0.8208% | 2,769 |
| Net interest margin | 4.6429% | 754 |
| Noninterest income to average assets | 0.0228% | 6,884 |
| Noninterest expense to average assets | 2.6230% | 4,664 |
| Loan and lease loss provision to assets | 0.2131% | 2,940 |
| Net operating income to assets | 1.1187% | 2,029 |
| Return on assets (ROA) | 1.1187% | 2,221 |
| Pretax return on assets | 1.4054% | 2,217 |
| Return on Equity (ROE) | 7.6909% | 3,426 |
| Retained earnings to average equity (ytd only) | 7.6909% | 1,760 |
| Net charge-offs to loans | 0.1930% | 3,575 |
| Credit loss provision to net charge-offs | 140.0000% | 2,063 |
| Earnings coverage of net charge-offs (x) | 10.6331% | 2,168 |
| Efficiency ratio | 61.8421% | 5,178 |
| Assets per employee ($millions) | 4.7167% | 2,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 3,468 |
| Loan loss allowance to noncurrent loans | 57.2156% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 2.3167% | 2,293 |
| Noncurrent loans to loans | 2.8190% | 1,999 |
| Net loans and leases to total assets | 79.2422% | 572 |
| Net loans and leases to deposits | 94.2895% | 768 |
| Net loans and leases to core deposits | 98.5758% | 1,221 |
| Total domestic deposits to total assets | 84.0413% | 4,200 |
| Equity capital to assets | 15.1762% | 782 |
| Core capital (leverage) ratio | 14.9058% | 626 |
| Tier 1 risk-based capital ratio | 21.9062% | 1,345 |
| Total risk-based capital ratio | 23.1634% | 1,322 |
| Memoranda: | ||
| Average total assets | $52,559,500 | 6,204 |
| Average earning assets | $47,756,750 | 6,201 |
| Average equity | $7,645,250 | 5,660 |
| Average total loans | $41,451,000 | 5,504 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5283% | 680 |
| Cost of funding earning assets | 0.8537% | 2,770 |
| Net interest margin | 4.6746% | 711 |
| Noninterest income to average assets | 0.2046% | 6,099 |
| Noninterest expense to average assets | 2.6220% | 4,703 |
| Loan and lease loss provision to assets | 0.2728% | 2,399 |
| Net operating income to assets | 1.3072% | 1,421 |
| Return on assets (ROA) | 1.3072% | 1,573 |
| Pretax return on assets | 1.5421% | 1,737 |
| Return on Equity (ROE) | 9.1161% | 2,759 |
| Retained earnings to average equity (ytd only) | 9.1161% | 1,231 |
| Net charge-offs to loans | 0.2903% | 2,870 |
| Credit loss provision to net charge-offs | 120.0000% | 2,288 |
| Earnings coverage of net charge-offs (x) | 7.9833% | 2,379 |
| Efficiency ratio | 59.0948% | 5,723 |
| Assets per employee ($millions) | 4.7665% | 2,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6221% | 3,526 |
| Loan loss allowance to noncurrent loans | 66.0679% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 2.1876% | 2,547 |
| Noncurrent loans to loans | 2.4552% | 2,448 |
| Net loans and leases to total assets | 76.5754% | 899 |
| Net loans and leases to deposits | 90.7488% | 1,075 |
| Net loans and leases to core deposits | 94.8030% | 1,522 |
| Total domestic deposits to total assets | 84.3817% | 4,151 |
| Equity capital to assets | 14.8078% | 828 |
| Core capital (leverage) ratio | 14.5760% | 684 |
| Tier 1 risk-based capital ratio | 21.9358% | 1,310 |
| Total risk-based capital ratio | 23.1932% | 1,282 |
| Memoranda: | ||
| Average total assets | $52,784,670 | 6,237 |
| Average earning assets | $47,790,330 | 6,238 |
| Average equity | $7,569,000 | 5,690 |
| Average total loans | $41,338,670 | 5,539 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5525% | 690 |
| Cost of funding earning assets | 0.8948% | 2,731 |
| Net interest margin | 4.6578% | 737 |
| Noninterest income to average assets | 0.2115% | 6,107 |
| Noninterest expense to average assets | 2.5981% | 4,821 |
| Loan and lease loss provision to assets | 0.2719% | 2,284 |
| Net operating income to assets | 0.8988% | 2,922 |
| Return on assets (ROA) | 0.8988% | 3,144 |
| Pretax return on assets | 1.5483% | 1,746 |
| Return on Equity (ROE) | 6.3709% | 4,103 |
| Retained earnings to average equity (ytd only) | 6.3709% | 2,758 |
| Net charge-offs to loans | -0.0096% | 5,930 |
| Credit loss provision to net charge-offs | -3,600.0000% | 6,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8034% | 5,802 |
| Assets per employee ($millions) | 4.7875% | 2,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6513% | 3,533 |
| Loan loss allowance to noncurrent loans | 60.6355% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 2.3793% | 2,497 |
| Noncurrent loans to loans | 2.7234% | 2,396 |
| Net loans and leases to total assets | 77.6940% | 620 |
| Net loans and leases to deposits | 91.5490% | 834 |
| Net loans and leases to core deposits | 96.8105% | 1,222 |
| Total domestic deposits to total assets | 84.8660% | 4,099 |
| Equity capital to assets | 14.2871% | 928 |
| Core capital (leverage) ratio | 14.0426% | 797 |
| Tier 1 risk-based capital ratio | 21.2809% | 1,429 |
| Total risk-based capital ratio | 22.5406% | 1,403 |
| Memoranda: | ||
| Average total assets | $52,961,000 | 6,267 |
| Average earning assets | $47,834,000 | 6,280 |
| Average equity | $7,471,500 | 5,745 |
| Average total loans | $41,602,000 | 5,563 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7315% | 734 |
| Cost of funding earning assets | 1.0171% | 3,256 |
| Net interest margin | 4.7144% | 727 |
| Noninterest income to average assets | 0.2455% | 5,781 |
| Noninterest expense to average assets | 2.5111% | 5,433 |
| Loan and lease loss provision to assets | 0.3460% | 2,930 |
| Net operating income to assets | 1.0974% | 1,842 |
| Return on assets (ROA) | 1.0974% | 1,960 |
| Pretax return on assets | 1.6647% | 1,068 |
| Return on Equity (ROE) | 8.0329% | 2,881 |
| Retained earnings to average equity (ytd only) | 3.9484% | 3,388 |
| Net charge-offs to loans | 0.2850% | 3,993 |
| Credit loss provision to net charge-offs | 150.0000% | 1,883 |
| Earnings coverage of net charge-offs (x) | 8.7177% | 2,107 |
| Efficiency ratio | 55.5327% | 6,364 |
| Assets per employee ($millions) | 4.8417% | 2,389 |
| Cash dividends to net income (ytd only)* | 50.8475% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5625% | 3,740 |
| Loan loss allowance to noncurrent loans | 95.5882% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 1.6429% | 3,492 |
| Noncurrent loans to loans | 1.6346% | 3,713 |
| Net loans and leases to total assets | 76.8903% | 838 |
| Net loans and leases to deposits | 92.1407% | 957 |
| Net loans and leases to core deposits | 101.4367% | 1,065 |
| Total domestic deposits to total assets | 83.4488% | 4,566 |
| Equity capital to assets | 13.9300% | 1,090 |
| Core capital (leverage) ratio | 13.6375% | 912 |
| Tier 1 risk-based capital ratio | 20.9763% | 1,416 |
| Total risk-based capital ratio | 22.2324% | 1,396 |
| Memoranda: | ||
| Average total assets | $53,762,200 | 6,238 |
| Average earning assets | $48,765,800 | 6,234 |
| Average equity | $7,344,800 | 5,759 |
| Average total loans | $43,501,200 | 5,540 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6672% | 902 |
| Cost of funding earning assets | 1.0368% | 3,414 |
| Net interest margin | 4.6304% | 893 |
| Noninterest income to average assets | 0.2425% | 5,888 |
| Noninterest expense to average assets | 2.4965% | 5,476 |
| Loan and lease loss provision to assets | 0.3118% | 3,030 |
| Net operating income to assets | 1.1381% | 1,845 |
| Return on assets (ROA) | 1.1381% | 1,968 |
| Pretax return on assets | 1.6552% | 1,242 |
| Return on Equity (ROE) | 8.3715% | 2,886 |
| Retained earnings to average equity (ytd only) | 8.3715% | 1,363 |
| Net charge-offs to loans | 0.3002% | 3,594 |
| Credit loss provision to net charge-offs | 127.2727% | 2,520 |
| Earnings coverage of net charge-offs (x) | 8.0301% | 2,251 |
| Efficiency ratio | 55.9313% | 6,288 |
| Assets per employee ($millions) | 4.9967% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 4,590 |
| Loan loss allowance to noncurrent loans | 57.5843% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 2.1887% | 2,913 |
| Noncurrent loans to loans | 2.4203% | 2,861 |
| Net loans and leases to total assets | 79.1645% | 591 |
| Net loans and leases to deposits | 102.6953% | 364 |
| Net loans and leases to core deposits | 113.7569% | 559 |
| Total domestic deposits to total assets | 77.0868% | 6,367 |
| Equity capital to assets | 13.8018% | 1,243 |
| Core capital (leverage) ratio | 13.8812% | 929 |
| Tier 1 risk-based capital ratio | 20.1917% | 1,640 |
| Total risk-based capital ratio | 21.4461% | 1,608 |
| Memoranda: | ||
| Average total assets | $53,888,000 | 6,284 |
| Average earning assets | $49,123,250 | 6,282 |
| Average equity | $7,326,250 | 5,810 |
| Average total loans | $43,976,250 | 5,561 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6430% | 983 |
| Cost of funding earning assets | 1.0752% | 3,423 |
| Net interest margin | 4.5677% | 971 |
| Noninterest income to average assets | 0.2391% | 5,937 |
| Noninterest expense to average assets | 2.5070% | 5,509 |
| Loan and lease loss provision to assets | 0.2466% | 3,440 |
| Net operating income to assets | 1.2330% | 1,482 |
| Return on assets (ROA) | 1.2330% | 1,554 |
| Pretax return on assets | 1.6440% | 1,166 |
| Return on Equity (ROE) | 9.1164% | 2,460 |
| Retained earnings to average equity (ytd only) | 9.1164% | 1,066 |
| Net charge-offs to loans | 0.4098% | 2,912 |
| Credit loss provision to net charge-offs | 73.3333% | 3,967 |
| Earnings coverage of net charge-offs (x) | 5.6222% | 2,572 |
| Efficiency ratio | 57.0093% | 6,297 |
| Assets per employee ($millions) | 4.8623% | 2,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 5,243 |
| Loan loss allowance to noncurrent loans | 44.6203% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 2.6157% | 2,548 |
| Noncurrent loans to loans | 2.8296% | 2,572 |
| Net loans and leases to total assets | 82.4661% | 338 |
| Net loans and leases to deposits | 107.5020% | 227 |
| Net loans and leases to core deposits | 119.4729% | 433 |
| Total domestic deposits to total assets | 76.7112% | 6,493 |
| Equity capital to assets | 13.9179% | 1,124 |
| Core capital (leverage) ratio | 13.6972% | 944 |
| Tier 1 risk-based capital ratio | 19.7662% | 1,656 |
| Total risk-based capital ratio | 21.0185% | 1,627 |
| Memoranda: | ||
| Average total assets | $53,529,330 | 6,350 |
| Average earning assets | $48,733,330 | 6,346 |
| Average equity | $7,239,670 | 5,856 |
| Average total loans | $43,926,000 | 5,616 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6359% | 998 |
| Cost of funding earning assets | 1.1025% | 3,501 |
| Net interest margin | 4.5334% | 998 |
| Noninterest income to average assets | 0.2390% | 5,994 |
| Noninterest expense to average assets | 2.5620% | 5,351 |
| Loan and lease loss provision to assets | 0.2465% | 3,194 |
| Net operating income to assets | 0.8889% | 2,622 |
| Return on assets (ROA) | 0.8889% | 2,687 |
| Pretax return on assets | 1.5462% | 1,308 |
| Return on Equity (ROE) | 6.6690% | 3,548 |
| Retained earnings to average equity (ytd only) | 6.6690% | 2,295 |
| Net charge-offs to loans | 0.0092% | 4,975 |
| Credit loss provision to net charge-offs | 3,300.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 240.0000% | 128 |
| Efficiency ratio | 58.8336% | 6,150 |
| Assets per employee ($millions) | 4.8955% | 2,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4247% | 4,547 |
| Loan loss allowance to noncurrent loans | 58.5066% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 2.2154% | 3,047 |
| Noncurrent loans to loans | 2.4350% | 3,055 |
| Net loans and leases to total assets | 79.5357% | 564 |
| Net loans and leases to deposits | 104.2219% | 306 |
| Net loans and leases to core deposits | 116.3037% | 519 |
| Total domestic deposits to total assets | 76.3138% | 6,623 |
| Equity capital to assets | 13.3742% | 1,224 |
| Core capital (leverage) ratio | 13.3388% | 1,015 |
| Tier 1 risk-based capital ratio | 19.8817% | 1,608 |
| Total risk-based capital ratio | 21.1368% | 1,575 |
| Memoranda: | ||
| Average total assets | $53,551,500 | 6,391 |
| Average earning assets | $48,617,000 | 6,393 |
| Average equity | $7,137,500 | 5,886 |
| Average total loans | $43,553,500 | 5,676 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8562% | 1,137 |
| Cost of funding earning assets | 1.2598% | 4,149 |
| Net interest margin | 4.5965% | 1,021 |
| Noninterest income to average assets | 0.2486% | 6,021 |
| Noninterest expense to average assets | 2.6037% | 5,402 |
| Loan and lease loss provision to assets | 0.2582% | 4,729 |
| Net operating income to assets | 0.8962% | 2,405 |
| Return on assets (ROA) | 0.8962% | 2,540 |
| Pretax return on assets | 1.5495% | 1,253 |
| Return on Equity (ROE) | 6.5583% | 3,317 |
| Retained earnings to average equity (ytd only) | 2.3272% | 4,249 |
| Net charge-offs to loans | 0.1425% | 5,502 |
| Credit loss provision to net charge-offs | 223.3333% | 1,338 |
| Earnings coverage of net charge-offs (x) | 15.6333% | 1,268 |
| Efficiency ratio | 59.0214% | 6,196 |
| Assets per employee ($millions) | 4.8412% | 2,354 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 4,766 |
| Loan loss allowance to noncurrent loans | 67.2769% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 1.8947% | 3,492 |
| Noncurrent loans to loans | 2.0019% | 3,560 |
| Net loans and leases to total assets | 80.8781% | 559 |
| Net loans and leases to deposits | 105.7633% | 330 |
| Net loans and leases to core deposits | 118.1262% | 582 |
| Total domestic deposits to total assets | 76.4708% | 6,574 |
| Equity capital to assets | 13.2819% | 1,265 |
| Core capital (leverage) ratio | 13.2166% | 1,056 |
| Tier 1 risk-based capital ratio | 19.6161% | 1,572 |
| Total risk-based capital ratio | 20.8698% | 1,536 |
| Memoranda: | ||
| Average total assets | $51,887,800 | 6,469 |
| Average earning assets | $46,992,600 | 6,481 |
| Average equity | $7,090,200 | 6,002 |
| Average total loans | $42,110,600 | 5,827 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8587% | 1,234 |
| Cost of funding earning assets | 1.2886% | 4,302 |
| Net interest margin | 4.5701% | 1,109 |
| Noninterest income to average assets | 0.2224% | 6,315 |
| Noninterest expense to average assets | 2.6435% | 5,142 |
| Loan and lease loss provision to assets | 0.2147% | 4,920 |
| Net operating income to assets | 0.8872% | 2,660 |
| Return on assets (ROA) | 0.8872% | 2,803 |
| Pretax return on assets | 1.5106% | 1,584 |
| Return on Equity (ROE) | 6.4461% | 3,600 |
| Retained earnings to average equity (ytd only) | 6.4461% | 2,117 |
| Net charge-offs to loans | 0.1150% | 5,386 |
| Credit loss provision to net charge-offs | 230.5556% | 1,487 |
| Earnings coverage of net charge-offs (x) | 18.5273% | 1,255 |
| Efficiency ratio | 60.5092% | 5,870 |
| Assets per employee ($millions) | 4.7910% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 4,926 |
| Loan loss allowance to noncurrent loans | 56.3691% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 2.1480% | 3,270 |
| Noncurrent loans to loans | 2.3194% | 3,320 |
| Net loans and leases to total assets | 80.4994% | 666 |
| Net loans and leases to deposits | 109.1630% | 273 |
| Net loans and leases to core deposits | 116.1697% | 739 |
| Total domestic deposits to total assets | 73.7424% | 6,952 |
| Equity capital to assets | 13.8498% | 1,222 |
| Core capital (leverage) ratio | 13.9102% | 937 |
| Tier 1 risk-based capital ratio | 20.4412% | 1,458 |
| Total risk-based capital ratio | 21.6955% | 1,439 |
| Memoranda: | ||
| Average total assets | $51,546,500 | 6,555 |
| Average earning assets | $46,766,750 | 6,569 |
| Average equity | $7,094,500 | 6,082 |
| Average total loans | $41,723,750 | 5,928 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8958% | 1,197 |
| Cost of funding earning assets | 1.3250% | 4,378 |
| Net interest margin | 4.5707% | 1,059 |
| Noninterest income to average assets | 0.2189% | 6,350 |
| Noninterest expense to average assets | 2.7755% | 4,592 |
| Loan and lease loss provision to assets | 0.1642% | 5,249 |
| Net operating income to assets | 0.8483% | 2,739 |
| Return on assets (ROA) | 0.8483% | 2,891 |
| Pretax return on assets | 1.4190% | 1,781 |
| Return on Equity (ROE) | 6.1768% | 3,710 |
| Retained earnings to average equity (ytd only) | 6.1768% | 2,240 |
| Net charge-offs to loans | 0.1743% | 4,569 |
| Credit loss provision to net charge-offs | 116.6667% | 3,476 |
| Earnings coverage of net charge-offs (x) | 11.2500% | 1,784 |
| Efficiency ratio | 63.6771% | 5,393 |
| Assets per employee ($millions) | 4.7031% | 2,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 5,268 |
| Loan loss allowance to noncurrent loans | 79.0274% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 1.5328% | 4,161 |
| Noncurrent loans to loans | 1.5620% | 4,367 |
| Net loans and leases to total assets | 80.4229% | 736 |
| Net loans and leases to deposits | 109.6424% | 287 |
| Net loans and leases to core deposits | 116.5010% | 826 |
| Total domestic deposits to total assets | 73.3502% | 7,056 |
| Equity capital to assets | 13.8207% | 1,238 |
| Core capital (leverage) ratio | 13.8066% | 974 |
| Tier 1 risk-based capital ratio | 20.3057% | 1,464 |
| Total risk-based capital ratio | 21.5596% | 1,430 |
| Memoranda: | ||
| Average total assets | $51,161,670 | 6,609 |
| Average earning assets | $46,338,330 | 6,621 |
| Average equity | $7,026,330 | 6,131 |
| Average total loans | $41,303,000 | 5,994 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9516% | 1,074 |
| Cost of funding earning assets | 1.3574% | 4,437 |
| Net interest margin | 4.5943% | 960 |
| Noninterest income to average assets | 0.2201% | 6,387 |
| Noninterest expense to average assets | 2.7046% | 4,888 |
| Loan and lease loss provision to assets | 0.1651% | 4,876 |
| Net operating income to assets | 0.9120% | 2,498 |
| Return on assets (ROA) | 0.9120% | 2,566 |
| Pretax return on assets | 1.5017% | 1,510 |
| Return on Equity (ROE) | 6.6624% | 3,536 |
| Retained earnings to average equity (ytd only) | 6.6624% | 2,295 |
| Net charge-offs to loans | 0.3522% | 2,998 |
| Credit loss provision to net charge-offs | 58.3333% | 4,333 |
| Earnings coverage of net charge-offs (x) | 5.8889% | 2,316 |
| Efficiency ratio | 61.8705% | 5,856 |
| Assets per employee ($millions) | 4.6313% | 2,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 5,468 |
| Loan loss allowance to noncurrent loans | 136.3388% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.9834% | 5,180 |
| Noncurrent loans to loans | 0.8853% | 5,549 |
| Net loans and leases to total assets | 80.1723% | 820 |
| Net loans and leases to deposits | 109.2059% | 310 |
| Net loans and leases to core deposits | 118.4782% | 851 |
| Total domestic deposits to total assets | 73.4139% | 7,120 |
| Equity capital to assets | 13.7779% | 1,215 |
| Core capital (leverage) ratio | 13.8521% | 993 |
| Tier 1 risk-based capital ratio | 20.1731% | 1,489 |
| Total risk-based capital ratio | 21.4253% | 1,459 |
| Memoranda: | ||
| Average total assets | $50,875,500 | 6,705 |
| Average earning assets | $45,970,500 | 6,711 |
| Average equity | $6,964,500 | 6,202 |
| Average total loans | $40,891,500 | 6,082 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1260% | 1,447 |
| Cost of funding earning assets | 1.8600% | 3,674 |
| Net interest margin | 4.2659% | 1,838 |
| Noninterest income to average assets | 0.2658% | 6,210 |
| Noninterest expense to average assets | 2.7505% | 5,164 |
| Loan and lease loss provision to assets | 0.1582% | 6,095 |
| Net operating income to assets | 0.8247% | 2,432 |
| Return on assets (ROA) | 0.8247% | 2,524 |
| Pretax return on assets | 1.1981% | 1,959 |
| Return on Equity (ROE) | 5.7100% | 3,330 |
| Retained earnings to average equity (ytd only) | 3.0376% | 3,038 |
| Net charge-offs to loans | 0.2170% | 5,268 |
| Credit loss provision to net charge-offs | 90.3614% | 5,986 |
| Earnings coverage of net charge-offs (x) | 7.7470% | 2,084 |
| Efficiency ratio | 66.9748% | 5,191 |
| Assets per employee ($millions) | 4.6188% | 2,736 |
| Cash dividends to net income (ytd only)* | 46.8031% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 4,939 |
| Loan loss allowance to noncurrent loans | 79.4436% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.2734% | 4,541 |
| Noncurrent loans to loans | 1.5999% | 4,255 |
| Net loans and leases to total assets | 78.5856% | 1,265 |
| Net loans and leases to deposits | 106.4663% | 525 |
| Net loans and leases to core deposits | 132.0425% | 1,170 |
| Total domestic deposits to total assets | 73.8127% | 7,044 |
| Equity capital to assets | 13.6005% | 1,276 |
| Core capital (leverage) ratio | 14.3089% | 927 |
| Tier 1 risk-based capital ratio | 20.3348% | 1,402 |
| Total risk-based capital ratio | 21.5887% | 1,365 |
| Memoranda: | ||
| Average total assets | $47,408,800 | 6,814 |
| Average earning assets | $42,687,200 | 6,828 |
| Average equity | $6,847,600 | 6,321 |
| Average total loans | $38,248,800 | 6,190 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1994% | 1,382 |
| Cost of funding earning assets | 1.9923% | 3,397 |
| Net interest margin | 4.2071% | 2,033 |
| Noninterest income to average assets | 0.2348% | 6,544 |
| Noninterest expense to average assets | 2.7291% | 5,199 |
| Loan and lease loss provision to assets | 0.1489% | 5,863 |
| Net operating income to assets | 0.7961% | 2,832 |
| Return on assets (ROA) | 0.7961% | 2,893 |
| Pretax return on assets | 1.1483% | 2,421 |
| Return on Equity (ROE) | 5.4254% | 3,771 |
| Retained earnings to average equity (ytd only) | 5.0350% | 2,470 |
| Net charge-offs to loans | 0.2935% | 4,192 |
| Credit loss provision to net charge-offs | 62.6506% | 6,129 |
| Earnings coverage of net charge-offs (x) | 5.4580% | 2,818 |
| Efficiency ratio | 67.7809% | 5,023 |
| Assets per employee ($millions) | 4.2266% | 3,326 |
| Cash dividends to net income (ytd only)* | 7.1953% | 3,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 4,776 |
| Loan loss allowance to noncurrent loans | 88.1508% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 1.1980% | 4,677 |
| Noncurrent loans to loans | 1.4265% | 4,534 |
| Net loans and leases to total assets | 82.9286% | 676 |
| Net loans and leases to deposits | 114.6954% | 298 |
| Net loans and leases to core deposits | 145.0619% | 724 |
| Total domestic deposits to total assets | 72.3034% | 7,172 |
| Equity capital to assets | 14.9980% | 1,005 |
| Core capital (leverage) ratio | 14.8293% | 891 |
| Tier 1 risk-based capital ratio | 21.2521% | 1,335 |
| Total risk-based capital ratio | 22.5042% | 1,315 |
| Memoranda: | ||
| Average total assets | $46,559,250 | 6,894 |
| Average earning assets | $41,960,000 | 6,910 |
| Average equity | $6,832,000 | 6,381 |
| Average total loans | $37,700,750 | 6,249 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2074% | 1,430 |
| Cost of funding earning assets | 2.0500% | 3,520 |
| Net interest margin | 4.1574% | 2,133 |
| Noninterest income to average assets | 0.2276% | 6,657 |
| Noninterest expense to average assets | 2.7221% | 5,297 |
| Loan and lease loss provision to assets | 0.1288% | 5,813 |
| Net operating income to assets | 0.7771% | 2,945 |
| Return on assets (ROA) | 0.7771% | 3,046 |
| Pretax return on assets | 1.1120% | 2,593 |
| Return on Equity (ROE) | 5.3353% | 3,945 |
| Retained earnings to average equity (ytd only) | 4.7458% | 2,662 |
| Net charge-offs to loans | 0.4241% | 3,104 |
| Credit loss provision to net charge-offs | 37.9747% | 5,932 |
| Earnings coverage of net charge-offs (x) | 3.6582% | 3,353 |
| Efficiency ratio | 68.6891% | 5,036 |
| Assets per employee ($millions) | 4.2488% | 3,203 |
| Cash dividends to net income (ytd only)* | 11.0497% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 4,661 |
| Loan loss allowance to noncurrent loans | 125.7979% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.8045% | 5,381 |
| Noncurrent loans to loans | 0.9872% | 5,230 |
| Net loans and leases to total assets | 80.4823% | 1,229 |
| Net loans and leases to deposits | 110.1980% | 543 |
| Net loans and leases to core deposits | 139.2375% | 1,045 |
| Total domestic deposits to total assets | 73.0342% | 7,108 |
| Equity capital to assets | 14.6864% | 1,113 |
| Core capital (leverage) ratio | 14.7604% | 966 |
| Tier 1 risk-based capital ratio | 21.0663% | 1,383 |
| Total risk-based capital ratio | 22.3189% | 1,352 |
| Memoranda: | ||
| Average total assets | $46,581,330 | 6,957 |
| Average earning assets | $41,853,000 | 6,974 |
| Average equity | $6,785,000 | 6,444 |
| Average total loans | $37,252,000 | 6,331 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3010% | 1,296 |
| Cost of funding earning assets | 2.1260% | 3,532 |
| Net interest margin | 4.1750% | 1,994 |
| Noninterest income to average assets | 0.2150% | 6,758 |
| Noninterest expense to average assets | 2.7697% | 4,699 |
| Loan and lease loss provision to assets | 0.0946% | 5,749 |
| Net operating income to assets | 0.7053% | 3,529 |
| Return on assets (ROA) | 0.7053% | 3,722 |
| Pretax return on assets | 1.0838% | 3,049 |
| Return on Equity (ROE) | 4.8625% | 4,523 |
| Retained earnings to average equity (ytd only) | 3.6765% | 3,860 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1525% | 4,544 |
| Assets per employee ($millions) | 4.2144% | 3,238 |
| Cash dividends to net income (ytd only)* | 24.3902% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4293% | 3,348 |
| Loan loss allowance to noncurrent loans | 88.2450% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 1.3029% | 4,070 |
| Noncurrent loans to loans | 1.6197% | 3,848 |
| Net loans and leases to total assets | 79.2894% | 1,525 |
| Net loans and leases to deposits | 110.7606% | 581 |
| Net loans and leases to core deposits | 141.4329% | 1,042 |
| Total domestic deposits to total assets | 71.5863% | 7,269 |
| Equity capital to assets | 14.6167% | 1,204 |
| Core capital (leverage) ratio | 14.5902% | 1,060 |
| Tier 1 risk-based capital ratio | 21.0096% | 1,449 |
| Total risk-based capital ratio | 22.2645% | 1,420 |
| Memoranda: | ||
| Average total assets | $46,503,500 | 7,011 |
| Average earning assets | $41,581,000 | 7,037 |
| Average equity | $6,745,500 | 6,500 |
| Average total loans | $36,834,000 | 6,391 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3665% | 3,598 |
| Cost of funding earning assets | 2.6531% | 3,402 |
| Net interest margin | 3.7134% | 4,409 |
| Noninterest income to average assets | 0.5118% | 4,529 |
| Noninterest expense to average assets | 2.9588% | 4,233 |
| Loan and lease loss provision to assets | 0.0965% | 6,153 |
| Net operating income to assets | 0.7184% | 3,813 |
| Return on assets (ROA) | 0.7184% | 3,645 |
| Pretax return on assets | 0.7745% | 4,162 |
| Return on Equity (ROE) | 4.6859% | 4,518 |
| Retained earnings to average equity (ytd only) | -0.8054% | 5,544 |
| Net charge-offs to loans | -0.0058% | 7,797 |
| Credit loss provision to net charge-offs | -2,150.0000% | 7,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2567% | 3,046 |
| Assets per employee ($millions) | 4.2408% | 3,049 |
| Cash dividends to net income (ytd only)* | 117.1875% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 3,002 |
| Loan loss allowance to noncurrent loans | 186.4286% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.6002% | 5,395 |
| Noncurrent loans to loans | 0.7697% | 5,109 |
| Net loans and leases to total assets | 76.8634% | 2,410 |
| Net loans and leases to deposits | 108.2021% | 957 |
| Net loans and leases to core deposits | 134.3978% | 1,575 |
| Total domestic deposits to total assets | 71.0369% | 7,156 |
| Equity capital to assets | 14.3947% | 1,326 |
| Core capital (leverage) ratio | 14.8369% | 1,069 |
| Tier 1 risk-based capital ratio | 20.8121% | 1,479 |
| Total risk-based capital ratio | 22.0669% | 1,458 |
| Memoranda: | ||
| Average total assets | $44,544,400 | 7,005 |
| Average earning assets | $39,801,800 | 7,047 |
| Average equity | $6,829,000 | 6,515 |
| Average total loans | $34,359,400 | 6,468 |