Home > Latimer State Bank > Performance and Condition Ratios
Latimer 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 | 3.5371% | 4,381 |
| Cost of funding earning assets | 0.3988% | 4,298 |
| Net interest margin | 3.1383% | 3,006 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.3494% | 4,415 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.7416% | 676 |
| Return on assets (ROA) | 1.7416% | 646 |
| Pretax return on assets | 1.7416% | 981 |
| Return on Equity (ROE) | 8.6600% | 2,843 |
| Retained earnings to average equity (ytd only) | 4.8309% | 2,662 |
| Net charge-offs to loans | -0.0682% | 4,438 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 41.8710% | 4,320 |
| Assets per employee ($millions) | 11.1598% | 514 |
| Cash dividends to net income (ytd only)* | 44.2017% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7817% | 557 |
| Loan loss allowance to noncurrent loans | 169.6000% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 1,989 |
| Noncurrent loans to loans | 1.0505% | 702 |
| Net loans and leases to total assets | 17.4500% | 4,418 |
| Net loans and leases to deposits | 22.3375% | 4,414 |
| Net loans and leases to core deposits | 30.9368% | 4,387 |
| Total domestic deposits to total assets | 78.1400% | 3,709 |
| Equity capital to assets | 21.7491% | 246 |
| Core capital (leverage) ratio | 22.9524% | 188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 69.5677% | 78 |
| Memoranda: | ||
| Average total assets | $68,328,400 | 4,130 |
| Average earning assets | $65,704,400 | 4,081 |
| Average equity | $13,744,800 | 3,366 |
| Average total loans | $11,734,200 | 4,398 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4254% | 4,411 |
| Cost of funding earning assets | 0.3743% | 4,284 |
| Net interest margin | 3.0510% | 3,231 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.2407% | 4,468 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 1.7261% | 760 |
| Return on assets (ROA) | 1.7261% | 747 |
| Pretax return on assets | 1.7261% | 1,123 |
| Return on Equity (ROE) | 8.7500% | 2,996 |
| Retained earnings to average equity (ytd only) | 3.5744% | 3,360 |
| Net charge-offs to loans | -0.0684% | 4,434 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 39.4932% | 4,373 |
| Assets per employee ($millions) | 11.3048% | 468 |
| Cash dividends to net income (ytd only)* | 59.1676% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7848% | 586 |
| Loan loss allowance to noncurrent loans | 59.8291% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.5750% | 1,015 |
| Noncurrent loans to loans | 2.9832% | 138 |
| Net loans and leases to total assets | 17.0400% | 4,447 |
| Net loans and leases to deposits | 21.4504% | 4,444 |
| Net loans and leases to core deposits | 29.8620% | 4,382 |
| Total domestic deposits to total assets | 79.4200% | 3,619 |
| Equity capital to assets | 20.4617% | 274 |
| Core capital (leverage) ratio | 21.9561% | 209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 67.1596% | 79 |
| Memoranda: | ||
| Average total assets | $68,670,750 | 4,141 |
| Average earning assets | $66,249,000 | 4,098 |
| Average equity | $13,540,250 | 3,371 |
| Average total loans | $11,693,000 | 4,420 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3249% | 4,451 |
| Cost of funding earning assets | 0.3470% | 4,244 |
| Net interest margin | 2.9779% | 3,486 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 1.2531% | 4,494 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.6127% | 930 |
| Return on assets (ROA) | 1.6127% | 933 |
| Pretax return on assets | 1.6127% | 1,384 |
| Return on Equity (ROE) | 8.2800% | 3,163 |
| Retained earnings to average equity (ytd only) | 3.5003% | 3,352 |
| Net charge-offs to loans | -0.0686% | 4,449 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 41.2214% | 4,359 |
| Assets per employee ($millions) | 11.5125% | 437 |
| Cash dividends to net income (ytd only)* | 57.7338% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 1,192 |
| Loan loss allowance to noncurrent loans | 51.8950% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 0.5530% | 978 |
| Noncurrent loans to loans | 2.8855% | 151 |
| Net loans and leases to total assets | 16.9500% | 4,475 |
| Net loans and leases to deposits | 21.1064% | 4,468 |
| Net loans and leases to core deposits | 29.0474% | 4,413 |
| Total domestic deposits to total assets | 80.3100% | 3,530 |
| Equity capital to assets | 19.5773% | 294 |
| Core capital (leverage) ratio | 21.5320% | 211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 65.2084% | 74 |
| Memoranda: | ||
| Average total assets | $68,951,333 | 4,158 |
| Average earning assets | $66,287,333 | 4,113 |
| Average equity | $13,427,333 | 3,398 |
| Average total loans | $11,668,667 | 4,443 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1774% | 4,501 |
| Cost of funding earning assets | 0.3214% | 4,139 |
| Net interest margin | 2.8561% | 3,857 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.2948% | 4,539 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 1.4168% | 1,362 |
| Return on assets (ROA) | 1.4168% | 1,332 |
| Pretax return on assets | 1.4168% | 1,845 |
| Return on Equity (ROE) | 7.2900% | 3,462 |
| Retained earnings to average equity (ytd only) | 7.2947% | 2,422 |
| Net charge-offs to loans | -0.0692% | 4,435 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 44.8692% | 4,277 |
| Assets per employee ($millions) | 11.4768% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 2,377 |
| Loan loss allowance to noncurrent loans | 76.4398% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.3601% | 1,429 |
| Noncurrent loans to loans | 1.6122% | 397 |
| Net loans and leases to total assets | 16.9900% | 4,544 |
| Net loans and leases to deposits | 21.2251% | 4,531 |
| Net loans and leases to core deposits | 29.2649% | 4,471 |
| Total domestic deposits to total assets | 80.0600% | 3,755 |
| Equity capital to assets | 19.8574% | 238 |
| Core capital (leverage) ratio | 21.8210% | 212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 65.7408% | 79 |
| Memoranda: | ||
| Average total assets | $68,889,500 | 4,211 |
| Average earning assets | $65,965,000 | 4,172 |
| Average equity | $13,379,500 | 3,439 |
| Average total loans | $11,559,500 | 4,507 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0314% | 4,603 |
| Cost of funding earning assets | 0.2784% | 3,057 |
| Net interest margin | 1.7529% | 4,603 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 1.2513% | 4,582 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5889% | 3,905 |
| Return on assets (ROA) | 0.5889% | 3,867 |
| Pretax return on assets | 0.5889% | 4,044 |
| Return on Equity (ROE) | 3.0800% | 4,284 |
| Retained earnings to average equity (ytd only) | 3.0578% | 3,700 |
| Net charge-offs to loans | 1.6959% | 40 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 2.1082% | 2,521 |
| Efficiency ratio | 67.9969% | 1,966 |
| Assets per employee ($millions) | 11.4863% | 453 |
| Cash dividends to net income (ytd only)* | 0.7335% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0114% | 3,299 |
| Loan loss allowance to noncurrent loans | 37.1336% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 0.5543% | 908 |
| Noncurrent loans to loans | 2.7236% | 167 |
| Net loans and leases to total assets | 16.1900% | 4,574 |
| Net loans and leases to deposits | 20.0029% | 4,568 |
| Net loans and leases to core deposits | 27.4449% | 4,513 |
| Total domestic deposits to total assets | 80.9400% | 3,765 |
| Equity capital to assets | 18.9863% | 254 |
| Core capital (leverage) ratio | 21.4803% | 212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 65.6159% | 81 |
| Memoranda: | ||
| Average total assets | $69,446,400 | 4,237 |
| Average earning assets | $66,802,400 | 4,190 |
| Average equity | $13,277,600 | 3,543 |
| Average total loans | $11,439,200 | 4,539 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8354% | 4,632 |
| Cost of funding earning assets | 0.2784% | 2,400 |
| Net interest margin | 1.5570% | 4,634 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.2513% | 4,602 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4197% | 4,208 |
| Return on assets (ROA) | 0.4197% | 4,152 |
| Pretax return on assets | 0.4197% | 4,249 |
| Return on Equity (ROE) | 2.1900% | 4,387 |
| Retained earnings to average equity (ytd only) | 2.1912% | 3,981 |
| Net charge-offs to loans | -0.0116% | 3,762 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.8853% | 1,187 |
| Assets per employee ($millions) | 11.1388% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6830% | 184 |
| Loan loss allowance to noncurrent loans | 74.4578% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.7332% | 700 |
| Noncurrent loans to loans | 3.6034% | 115 |
| Net loans and leases to total assets | 16.7700% | 4,610 |
| Net loans and leases to deposits | 20.7375% | 4,608 |
| Net loans and leases to core deposits | 28.7702% | 4,523 |
| Total domestic deposits to total assets | 80.8700% | 4,006 |
| Equity capital to assets | 19.0445% | 239 |
| Core capital (leverage) ratio | 21.0353% | 215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 66.6216% | 77 |
| Memoranda: | ||
| Average total assets | $69,578,500 | 4,265 |
| Average earning assets | $67,051,250 | 4,219 |
| Average equity | $13,325,750 | 3,582 |
| Average total loans | $11,481,000 | 4,571 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6138% | 4,693 |
| Cost of funding earning assets | 0.2734% | 1,984 |
| Net interest margin | 1.3405% | 4,701 |
| Noninterest income to average assets | 0.0908% | 4,525 |
| Noninterest expense to average assets | 1.1746% | 4,654 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2099% | 4,405 |
| Return on assets (ROA) | 0.2099% | 4,365 |
| Pretax return on assets | 0.2099% | 4,400 |
| Return on Equity (ROE) | 1.0943% | 4,453 |
| Retained earnings to average equity (ytd only) | 1.0943% | 3,974 |
| Net charge-offs to loans | -0.0174% | 3,812 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8361% | 634 |
| Assets per employee ($millions) | 9.9601% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7120% | 195 |
| Loan loss allowance to noncurrent loans | 57.6493% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 0.8764% | 583 |
| Noncurrent loans to loans | 4.7042% | 74 |
| Net loans and leases to total assets | 15.8991% | 4,681 |
| Net loans and leases to deposits | 19.5983% | 4,678 |
| Net loans and leases to core deposits | 26.7128% | 4,617 |
| Total domestic deposits to total assets | 81.1248% | 4,112 |
| Equity capital to assets | 18.7720% | 199 |
| Core capital (leverage) ratio | 20.4592% | 171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 63.5354% | 46 |
| Memoranda: | ||
| Average total assets | $70,493,667 | 4,303 |
| Average earning assets | $68,036,333 | 4,265 |
| Average equity | $13,525,000 | 3,631 |
| Average total loans | $11,469,000 | 4,637 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3841% | 4,730 |
| Cost of funding earning assets | 0.3475% | 1,229 |
| Net interest margin | 1.0366% | 4,748 |
| Noninterest income to average assets | 0.2935% | 3,365 |
| Noninterest expense to average assets | 1.4334% | 4,498 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1467% | 4,618 |
| Return on assets (ROA) | -0.1467% | 4,602 |
| Pretax return on assets | -0.1467% | 4,600 |
| Return on Equity (ROE) | -0.7567% | 4,577 |
| Retained earnings to average equity (ytd only) | -0.7567% | 4,117 |
| Net charge-offs to loans | -0.0348% | 4,141 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.4035% | 119 |
| Assets per employee ($millions) | 10.0881% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7484% | 210 |
| Loan loss allowance to noncurrent loans | 73.9234% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 0.7109% | 797 |
| Noncurrent loans to loans | 3.7179% | 117 |
| Net loans and leases to total assets | 15.4835% | 4,708 |
| Net loans and leases to deposits | 19.1385% | 4,699 |
| Net loans and leases to core deposits | 25.8560% | 4,653 |
| Total domestic deposits to total assets | 80.9026% | 4,209 |
| Equity capital to assets | 18.9997% | 197 |
| Core capital (leverage) ratio | 20.0312% | 168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 63.5656% | 49 |
| Memoranda: | ||
| Average total assets | $70,880,000 | 4,326 |
| Average earning assets | $67,913,000 | 4,293 |
| Average equity | $13,743,500 | 3,681 |
| Average total loans | $11,506,500 | 4,664 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4462% | 4,751 |
| Cost of funding earning assets | 0.2796% | 2,606 |
| Net interest margin | 1.1666% | 4,762 |
| Noninterest income to average assets | 0.2058% | 4,134 |
| Noninterest expense to average assets | 1.3130% | 4,670 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0140% | 4,673 |
| Return on assets (ROA) | 0.0140% | 4,683 |
| Pretax return on assets | 0.0140% | 4,679 |
| Return on Equity (ROE) | 0.0704% | 4,685 |
| Retained earnings to average equity (ytd only) | 0.0704% | 4,467 |
| Net charge-offs to loans | -0.0809% | 4,510 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9451% | 159 |
| Assets per employee ($millions) | 11.8572% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6168% | 238 |
| Loan loss allowance to noncurrent loans | 74.3961% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 0.7548% | 813 |
| Noncurrent loans to loans | 3.5174% | 143 |
| Net loans and leases to total assets | 16.1112% | 4,752 |
| Net loans and leases to deposits | 20.1063% | 4,742 |
| Net loans and leases to core deposits | 27.1714% | 4,684 |
| Total domestic deposits to total assets | 80.1302% | 4,209 |
| Equity capital to assets | 19.7771% | 187 |
| Core capital (leverage) ratio | 20.3190% | 162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 62.6252% | 50 |
| Memoranda: | ||
| Average total assets | $71,438,000 | 4,327 |
| Average earning assets | $68,660,600 | 4,283 |
| Average equity | $14,212,000 | 3,717 |
| Average total loans | $12,353,800 | 4,693 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4756% | 4,833 |
| Cost of funding earning assets | 0.2838% | 2,759 |
| Net interest margin | 1.1917% | 4,846 |
| Noninterest income to average assets | 0.2181% | 4,093 |
| Noninterest expense to average assets | 1.3126% | 4,744 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.0485% | 4,721 |
| Return on assets (ROA) | 0.0485% | 4,735 |
| Pretax return on assets | 0.0485% | 4,740 |
| Return on Equity (ROE) | 0.2433% | 4,740 |
| Retained earnings to average equity (ytd only) | 0.2433% | 4,528 |
| Net charge-offs to loans | -0.1920% | 4,766 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4384% | 190 |
| Assets per employee ($millions) | 10.0496% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6174% | 238 |
| Loan loss allowance to noncurrent loans | 70.3786% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 0.8344% | 839 |
| Noncurrent loans to loans | 3.7190% | 151 |
| Net loans and leases to total assets | 16.7129% | 4,820 |
| Net loans and leases to deposits | 20.9834% | 4,815 |
| Net loans and leases to core deposits | 28.5440% | 4,751 |
| Total domestic deposits to total assets | 79.6480% | 4,277 |
| Equity capital to assets | 20.2752% | 183 |
| Core capital (leverage) ratio | 20.0584% | 179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 62.4433% | 54 |
| Memoranda: | ||
| Average total assets | $71,511,750 | 4,375 |
| Average earning assets | $68,581,250 | 4,334 |
| Average equity | $14,247,500 | 3,760 |
| Average total loans | $12,499,750 | 4,762 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5082% | 4,870 |
| Cost of funding earning assets | 0.2784% | 3,000 |
| Net interest margin | 1.2297% | 4,877 |
| Noninterest income to average assets | 0.2420% | 3,948 |
| Noninterest expense to average assets | 1.3157% | 4,783 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1057% | 4,704 |
| Return on assets (ROA) | 0.1057% | 4,719 |
| Pretax return on assets | 0.1057% | 4,727 |
| Return on Equity (ROE) | 0.5336% | 4,751 |
| Retained earnings to average equity (ytd only) | 0.5336% | 4,428 |
| Net charge-offs to loans | -0.3322% | 4,850 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5636% | 282 |
| Assets per employee ($millions) | 9.0125% | 860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6927% | 214 |
| Loan loss allowance to noncurrent loans | 69.0476% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 0.8849% | 879 |
| Noncurrent loans to loans | 3.8997% | 145 |
| Net loans and leases to total assets | 15.9889% | 4,860 |
| Net loans and leases to deposits | 19.9412% | 4,858 |
| Net loans and leases to core deposits | 26.8806% | 4,812 |
| Total domestic deposits to total assets | 80.1803% | 4,213 |
| Equity capital to assets | 19.7406% | 203 |
| Core capital (leverage) ratio | 19.7832% | 189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 62.3932% | 57 |
| Memoranda: | ||
| Average total assets | $71,900,000 | 4,401 |
| Average earning assets | $68,958,000 | 4,357 |
| Average equity | $14,242,333 | 3,769 |
| Average total loans | $12,642,000 | 4,795 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5215% | 4,900 |
| Cost of funding earning assets | 0.2879% | 3,121 |
| Net interest margin | 1.2337% | 4,908 |
| Noninterest income to average assets | 0.1616% | 4,391 |
| Noninterest expense to average assets | 1.2813% | 4,829 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0501% | 4,754 |
| Return on assets (ROA) | 0.0501% | 4,760 |
| Pretax return on assets | 0.0501% | 4,760 |
| Return on Equity (ROE) | 0.2527% | 4,768 |
| Retained earnings to average equity (ytd only) | 0.2527% | 4,339 |
| Net charge-offs to loans | -0.6749% | 4,904 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2343% | 245 |
| Assets per employee ($millions) | 9.0761% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5259% | 250 |
| Loan loss allowance to noncurrent loans | 58.5009% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 0.9641% | 865 |
| Noncurrent loans to loans | 4.3176% | 118 |
| Net loans and leases to total assets | 17.0075% | 4,882 |
| Net loans and leases to deposits | 21.1727% | 4,875 |
| Net loans and leases to core deposits | 28.2282% | 4,831 |
| Total domestic deposits to total assets | 80.3275% | 4,155 |
| Equity capital to assets | 19.5871% | 199 |
| Core capital (leverage) ratio | 19.7705% | 195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.3960% | 56 |
| Memoranda: | ||
| Average total assets | $71,800,000 | 4,415 |
| Average earning assets | $68,089,000 | 4,381 |
| Average equity | $14,247,000 | 3,774 |
| Average total loans | $13,039,500 | 4,815 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3162% | 4,875 |
| Cost of funding earning assets | 0.3374% | 3,936 |
| Net interest margin | 1.9788% | 4,835 |
| Noninterest income to average assets | 0.1656% | 4,467 |
| Noninterest expense to average assets | 1.5354% | 4,754 |
| Loan and lease loss provision to assets | 0.0142% | 4,196 |
| Net operating income to assets | 0.3920% | 4,263 |
| Return on assets (ROA) | 0.3920% | 4,345 |
| Pretax return on assets | 0.3920% | 4,436 |
| Return on Equity (ROE) | 1.9309% | 4,576 |
| Retained earnings to average equity (ytd only) | -0.4183% | 4,580 |
| Net charge-offs to loans | 0.0289% | 2,454 |
| Credit loss provision to net charge-offs | 250.0000% | 1,939 |
| Earnings coverage of net charge-offs (x) | 71.7500% | 960 |
| Efficiency ratio | 79.0816% | 953 |
| Assets per employee ($millions) | 8.8739% | 771 |
| Cash dividends to net income (ytd only)* | 121.6606% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2222% | 388 |
| Loan loss allowance to noncurrent loans | 45.5657% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.1410% | 786 |
| Noncurrent loans to loans | 4.8770% | 95 |
| Net loans and leases to total assets | 18.4699% | 4,894 |
| Net loans and leases to deposits | 23.1440% | 4,888 |
| Net loans and leases to core deposits | 31.0976% | 4,838 |
| Total domestic deposits to total assets | 79.8045% | 4,076 |
| Equity capital to assets | 20.1040% | 198 |
| Core capital (leverage) ratio | 19.9282% | 192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.7318% | 54 |
| Memoranda: | ||
| Average total assets | $70,663,600 | 4,377 |
| Average earning assets | $63,421,600 | 4,397 |
| Average equity | $14,345,400 | 3,714 |
| Average total loans | $13,833,200 | 4,827 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4798% | 4,907 |
| Cost of funding earning assets | 0.3449% | 4,086 |
| Net interest margin | 2.1349% | 4,841 |
| Noninterest income to average assets | 0.1983% | 4,287 |
| Noninterest expense to average assets | 1.4338% | 4,848 |
| Loan and lease loss provision to assets | 0.0184% | 4,101 |
| Net operating income to assets | 0.6517% | 3,624 |
| Return on assets (ROA) | 0.6517% | 3,726 |
| Pretax return on assets | 0.6517% | 4,004 |
| Return on Equity (ROE) | 3.2024% | 4,349 |
| Retained earnings to average equity (ytd only) | 0.0743% | 4,465 |
| Net charge-offs to loans | 0.0383% | 2,082 |
| Credit loss provision to net charge-offs | 250.0000% | 1,922 |
| Earnings coverage of net charge-offs (x) | 88.7500% | 857 |
| Efficiency ratio | 68.1329% | 2,169 |
| Assets per employee ($millions) | 8.6756% | 784 |
| Cash dividends to net income (ytd only)* | 97.6812% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2297% | 335 |
| Loan loss allowance to noncurrent loans | 35.8604% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.4379% | 615 |
| Noncurrent loans to loans | 6.2177% | 68 |
| Net loans and leases to total assets | 18.8272% | 4,939 |
| Net loans and leases to deposits | 23.7491% | 4,929 |
| Net loans and leases to core deposits | 32.2077% | 4,888 |
| Total domestic deposits to total assets | 79.2753% | 4,006 |
| Equity capital to assets | 20.6138% | 189 |
| Core capital (leverage) ratio | 20.1181% | 193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.5770% | 59 |
| Memoranda: | ||
| Average total assets | $70,581,750 | 4,380 |
| Average earning assets | $63,015,500 | 4,415 |
| Average equity | $14,363,750 | 3,714 |
| Average total loans | $13,939,000 | 4,856 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6540% | 4,947 |
| Cost of funding earning assets | 0.3407% | 4,309 |
| Net interest margin | 2.3134% | 4,831 |
| Noninterest income to average assets | 0.2057% | 4,246 |
| Noninterest expense to average assets | 1.4822% | 4,857 |
| Loan and lease loss provision to assets | 0.0282% | 3,902 |
| Net operating income to assets | 0.8003% | 3,045 |
| Return on assets (ROA) | 0.8003% | 3,159 |
| Pretax return on assets | 0.8003% | 3,584 |
| Return on Equity (ROE) | 3.9492% | 4,121 |
| Retained earnings to average equity (ytd only) | -0.0417% | 4,309 |
| Net charge-offs to loans | 0.0566% | 1,691 |
| Credit loss provision to net charge-offs | 250.0000% | 1,750 |
| Earnings coverage of net charge-offs (x) | 73.5000% | 852 |
| Efficiency ratio | 64.1463% | 2,805 |
| Assets per employee ($millions) | 8.9305% | 691 |
| Cash dividends to net income (ytd only)* | 101.0563% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1655% | 353 |
| Loan loss allowance to noncurrent loans | 46.4899% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 1.1464% | 970 |
| Noncurrent loans to loans | 4.6581% | 126 |
| Net loans and leases to total assets | 18.8441% | 4,968 |
| Net loans and leases to deposits | 23.6102% | 4,968 |
| Net loans and leases to core deposits | 31.6092% | 4,922 |
| Total domestic deposits to total assets | 79.8136% | 3,876 |
| Equity capital to assets | 20.0997% | 208 |
| Core capital (leverage) ratio | 19.6673% | 223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.1547% | 56 |
| Memoranda: | ||
| Average total assets | $70,974,000 | 4,387 |
| Average earning assets | $64,581,333 | 4,397 |
| Average equity | $14,382,667 | 3,719 |
| Average total loans | $14,130,333 | 4,880 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0033% | 4,955 |
| Cost of funding earning assets | 0.3468% | 4,530 |
| Net interest margin | 2.6565% | 4,707 |
| Noninterest income to average assets | 0.1866% | 4,432 |
| Noninterest expense to average assets | 1.5211% | 4,902 |
| Loan and lease loss provision to assets | 0.0565% | 3,055 |
| Net operating income to assets | 1.0348% | 2,063 |
| Return on assets (ROA) | 1.0348% | 2,159 |
| Pretax return on assets | 1.0348% | 2,720 |
| Return on Equity (ROE) | 5.0855% | 3,599 |
| Retained earnings to average equity (ytd only) | 2.3621% | 3,316 |
| Net charge-offs to loans | 0.1118% | 1,030 |
| Credit loss provision to net charge-offs | 250.0000% | 1,279 |
| Earnings coverage of net charge-offs (x) | 48.2500% | 919 |
| Efficiency ratio | 58.2251% | 3,971 |
| Assets per employee ($millions) | 8.9126% | 543 |
| Cash dividends to net income (ytd only)* | 53.5519% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1257% | 418 |
| Loan loss allowance to noncurrent loans | 42.7547% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 1.2314% | 990 |
| Noncurrent loans to loans | 4.9718% | 124 |
| Net loans and leases to total assets | 19.2438% | 5,014 |
| Net loans and leases to deposits | 24.1707% | 5,015 |
| Net loans and leases to core deposits | 32.3929% | 4,959 |
| Total domestic deposits to total assets | 79.6160% | 3,924 |
| Equity capital to assets | 20.2900% | 232 |
| Core capital (leverage) ratio | 20.2375% | 230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 58.9156% | 62 |
| Memoranda: | ||
| Average total assets | $70,739,000 | 4,401 |
| Average earning assets | $64,596,500 | 4,409 |
| Average equity | $14,394,000 | 3,727 |
| Average total loans | $14,315,000 | 4,918 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1251% | 5,024 |
| Cost of funding earning assets | 0.3378% | 4,632 |
| Net interest margin | 2.7873% | 4,768 |
| Noninterest income to average assets | 0.1936% | 4,501 |
| Noninterest expense to average assets | 1.5823% | 4,958 |
| Loan and lease loss provision to assets | 0.1590% | 1,316 |
| Net operating income to assets | 1.0043% | 2,833 |
| Return on assets (ROA) | 1.0043% | 2,920 |
| Pretax return on assets | 1.0043% | 3,455 |
| Return on Equity (ROE) | 4.8963% | 4,233 |
| Retained earnings to average equity (ytd only) | 1.5851% | 4,171 |
| Net charge-offs to loans | 0.1519% | 1,306 |
| Credit loss provision to net charge-offs | 500.0000% | 580 |
| Earnings coverage of net charge-offs (x) | 36.5909% | 1,391 |
| Efficiency ratio | 57.6316% | 4,019 |
| Assets per employee ($millions) | 8.7721% | 534 |
| Cash dividends to net income (ytd only)* | 67.6259% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0053% | 456 |
| Loan loss allowance to noncurrent loans | 42.0977% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.2782% | 876 |
| Noncurrent loans to loans | 4.7635% | 114 |
| Net loans and leases to total assets | 20.4027% | 5,070 |
| Net loans and leases to deposits | 25.6563% | 5,067 |
| Net loans and leases to core deposits | 34.5687% | 5,009 |
| Total domestic deposits to total assets | 79.5232% | 4,068 |
| Equity capital to assets | 20.4070% | 234 |
| Core capital (leverage) ratio | 20.0392% | 239 |
| Tier 1 risk-based capital ratio | 56.8375% | 104 |
| Total risk-based capital ratio | 57.9995% | 104 |
| Memoranda: | ||
| Average total assets | $69,201,800 | 4,444 |
| Average earning assets | $63,358,400 | 4,452 |
| Average equity | $14,194,400 | 3,723 |
| Average total loans | $14,486,800 | 4,974 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1655% | 5,102 |
| Cost of funding earning assets | 0.3348% | 4,710 |
| Net interest margin | 2.8307% | 4,829 |
| Noninterest income to average assets | 0.2340% | 4,338 |
| Noninterest expense to average assets | 1.4753% | 5,080 |
| Loan and lease loss provision to assets | 0.1740% | 1,061 |
| Net operating income to assets | 1.1678% | 2,309 |
| Return on assets (ROA) | 1.1678% | 2,393 |
| Pretax return on assets | 1.1678% | 3,077 |
| Return on Equity (ROE) | 5.6861% | 4,132 |
| Retained earnings to average equity (ytd only) | 1.2615% | 4,498 |
| Net charge-offs to loans | 0.1660% | 1,016 |
| Credit loss provision to net charge-offs | 500.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 38.5546% | 1,406 |
| Efficiency ratio | 52.3679% | 4,567 |
| Assets per employee ($millions) | 9.8920% | 359 |
| Cash dividends to net income (ytd only)* | 77.8148% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8711% | 576 |
| Loan loss allowance to noncurrent loans | 41.9453% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 1.2348% | 1,010 |
| Noncurrent loans to loans | 4.4607% | 134 |
| Net loans and leases to total assets | 20.9043% | 5,154 |
| Net loans and leases to deposits | 26.3479% | 5,148 |
| Net loans and leases to core deposits | 35.6650% | 5,084 |
| Total domestic deposits to total assets | 79.3397% | 4,111 |
| Equity capital to assets | 20.5678% | 234 |
| Core capital (leverage) ratio | 20.3464% | 237 |
| Tier 1 risk-based capital ratio | 56.7834% | 106 |
| Total risk-based capital ratio | 57.8840% | 105 |
| Memoranda: | ||
| Average total assets | $68,958,000 | 4,499 |
| Average earning assets | $62,926,750 | 4,511 |
| Average equity | $14,162,750 | 3,759 |
| Average total loans | $14,455,750 | 5,054 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1238% | 5,179 |
| Cost of funding earning assets | 0.3238% | 4,758 |
| Net interest margin | 2.8000% | 4,930 |
| Noninterest income to average assets | 0.2730% | 4,111 |
| Noninterest expense to average assets | 1.5190% | 5,111 |
| Loan and lease loss provision to assets | 0.1743% | 1,035 |
| Net operating income to assets | 1.1414% | 2,365 |
| Return on assets (ROA) | 1.1414% | 2,440 |
| Pretax return on assets | 1.1414% | 3,111 |
| Return on Equity (ROE) | 5.5601% | 4,187 |
| Retained earnings to average equity (ytd only) | 1.0187% | 4,430 |
| Net charge-offs to loans | 0.2507% | 670 |
| Credit loss provision to net charge-offs | 333.3333% | 828 |
| Earnings coverage of net charge-offs (x) | 25.1667% | 1,607 |
| Efficiency ratio | 53.5861% | 4,513 |
| Assets per employee ($millions) | 9.9331% | 340 |
| Cash dividends to net income (ytd only)* | 81.6794% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6801% | 858 |
| Loan loss allowance to noncurrent loans | 35.7558% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 1.2728% | 1,012 |
| Noncurrent loans to loans | 4.6988% | 120 |
| Net loans and leases to total assets | 20.7041% | 5,202 |
| Net loans and leases to deposits | 26.0500% | 5,201 |
| Net loans and leases to core deposits | 35.1637% | 5,132 |
| Total domestic deposits to total assets | 79.4785% | 4,135 |
| Equity capital to assets | 20.4122% | 233 |
| Core capital (leverage) ratio | 20.3570% | 227 |
| Tier 1 risk-based capital ratio | 56.3793% | 106 |
| Total risk-based capital ratio | 57.3576% | 101 |
| Memoranda: | ||
| Average total assets | $68,862,670 | 4,538 |
| Average earning assets | $62,999,670 | 4,542 |
| Average equity | $14,136,330 | 3,768 |
| Average total loans | $14,357,330 | 5,102 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0210% | 5,265 |
| Cost of funding earning assets | 0.3200% | 4,779 |
| Net interest margin | 2.7010% | 5,063 |
| Noninterest income to average assets | 0.2335% | 4,342 |
| Noninterest expense to average assets | 1.4943% | 5,174 |
| Loan and lease loss provision to assets | 0.1751% | 957 |
| Net operating income to assets | 1.0273% | 2,756 |
| Return on assets (ROA) | 1.0273% | 2,792 |
| Pretax return on assets | 1.0273% | 3,358 |
| Return on Equity (ROE) | 4.9901% | 4,328 |
| Retained earnings to average equity (ytd only) | 2.6935% | 3,856 |
| Net charge-offs to loans | 0.3095% | 485 |
| Credit loss provision to net charge-offs | 272.7273% | 876 |
| Earnings coverage of net charge-offs (x) | 18.7273% | 1,614 |
| Efficiency ratio | 55.4113% | 4,399 |
| Assets per employee ($millions) | 9.7344% | 371 |
| Cash dividends to net income (ytd only)* | 46.0227% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5819% | 1,101 |
| Loan loss allowance to noncurrent loans | 35.0078% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 1.2254% | 1,090 |
| Noncurrent loans to loans | 4.5187% | 150 |
| Net loans and leases to total assets | 20.3607% | 5,257 |
| Net loans and leases to deposits | 25.7379% | 5,252 |
| Net loans and leases to core deposits | 34.8042% | 5,183 |
| Total domestic deposits to total assets | 79.1080% | 4,335 |
| Equity capital to assets | 20.7936% | 210 |
| Core capital (leverage) ratio | 20.7294% | 211 |
| Tier 1 risk-based capital ratio | 58.1902% | 94 |
| Total risk-based capital ratio | 59.1041% | 94 |
| Memoranda: | ||
| Average total assets | $68,528,000 | 4,593 |
| Average earning assets | $62,496,500 | 4,607 |
| Average equity | $14,108,000 | 3,784 |
| Average total loans | $14,215,000 | 5,162 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9387% | 5,253 |
| Cost of funding earning assets | 0.3141% | 4,498 |
| Net interest margin | 2.6246% | 5,144 |
| Noninterest income to average assets | 0.1637% | 4,902 |
| Noninterest expense to average assets | 1.6011% | 5,168 |
| Loan and lease loss provision to assets | 0.1580% | 1,308 |
| Net operating income to assets | 0.7323% | 4,035 |
| Return on assets (ROA) | 0.7323% | 4,040 |
| Pretax return on assets | 0.7323% | 4,336 |
| Return on Equity (ROE) | 3.6633% | 4,781 |
| Retained earnings to average equity (ytd only) | 1.3719% | 4,584 |
| Net charge-offs to loans | 0.3973% | 468 |
| Credit loss provision to net charge-offs | 189.6552% | 1,506 |
| Earnings coverage of net charge-offs (x) | 10.6897% | 2,697 |
| Efficiency ratio | 64.2651% | 3,149 |
| Assets per employee ($millions) | 9.8450% | 357 |
| Cash dividends to net income (ytd only)* | 62.5490% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4233% | 1,550 |
| Loan loss allowance to noncurrent loans | 24.0566% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 1.3669% | 911 |
| Noncurrent loans to loans | 5.9164% | 76 |
| Net loans and leases to total assets | 20.5021% | 5,304 |
| Net loans and leases to deposits | 25.7753% | 5,295 |
| Net loans and leases to core deposits | 34.6350% | 5,238 |
| Total domestic deposits to total assets | 79.5415% | 4,205 |
| Equity capital to assets | 20.3831% | 215 |
| Core capital (leverage) ratio | 20.6015% | 213 |
| Tier 1 risk-based capital ratio | 57.6426% | 94 |
| Total risk-based capital ratio | 58.4764% | 94 |
| Memoranda: | ||
| Average total assets | $69,639,000 | 4,586 |
| Average earning assets | $61,761,400 | 4,633 |
| Average equity | $13,922,000 | 3,758 |
| Average total loans | $14,597,800 | 5,201 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7814% | 5,360 |
| Cost of funding earning assets | 0.3141% | 4,419 |
| Net interest margin | 2.4674% | 5,296 |
| Noninterest income to average assets | 0.1738% | 4,917 |
| Noninterest expense to average assets | 1.3768% | 5,337 |
| Loan and lease loss provision to assets | 0.1528% | 1,289 |
| Net operating income to assets | 0.8345% | 3,801 |
| Return on assets (ROA) | 0.8345% | 3,807 |
| Pretax return on assets | 0.8345% | 4,212 |
| Return on Equity (ROE) | 4.1945% | 4,778 |
| Retained earnings to average equity (ytd only) | 1.1326% | 4,820 |
| Net charge-offs to loans | 0.4182% | 384 |
| Credit loss provision to net charge-offs | 173.9130% | 1,539 |
| Earnings coverage of net charge-offs (x) | 11.2395% | 2,529 |
| Efficiency ratio | 58.2391% | 4,081 |
| Assets per employee ($millions) | 9.6276% | 365 |
| Cash dividends to net income (ytd only)* | 72.9975% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 2,132 |
| Loan loss allowance to noncurrent loans | 22.8221% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 1.3488% | 997 |
| Noncurrent loans to loans | 5.6597% | 96 |
| Net loans and leases to total assets | 21.0912% | 5,376 |
| Net loans and leases to deposits | 26.6200% | 5,371 |
| Net loans and leases to core deposits | 36.0807% | 5,297 |
| Total domestic deposits to total assets | 79.2308% | 4,271 |
| Equity capital to assets | 20.6935% | 204 |
| Core capital (leverage) ratio | 20.3007% | 223 |
| Tier 1 risk-based capital ratio | 57.6790% | 92 |
| Total risk-based capital ratio | 58.4436% | 92 |
| Memoranda: | ||
| Average total assets | $69,820,000 | 4,630 |
| Average earning assets | $61,981,250 | 4,678 |
| Average equity | $13,890,750 | 3,790 |
| Average total loans | $14,664,000 | 5,266 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6893% | 5,439 |
| Cost of funding earning assets | 0.3097% | 4,355 |
| Net interest margin | 2.3796% | 5,393 |
| Noninterest income to average assets | 0.1444% | 5,098 |
| Noninterest expense to average assets | 1.3847% | 5,400 |
| Loan and lease loss provision to assets | 0.1416% | 1,379 |
| Net operating income to assets | 0.7504% | 4,028 |
| Return on assets (ROA) | 0.7504% | 4,030 |
| Pretax return on assets | 0.7504% | 4,389 |
| Return on Equity (ROE) | 3.8206% | 4,864 |
| Retained earnings to average equity (ytd only) | 0.8650% | 4,789 |
| Net charge-offs to loans | 0.2847% | 564 |
| Credit loss provision to net charge-offs | 238.0952% | 1,175 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 2,068 |
| Efficiency ratio | 60.8209% | 3,793 |
| Assets per employee ($millions) | 9.9131% | 325 |
| Cash dividends to net income (ytd only)* | 77.3585% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 2,570 |
| Loan loss allowance to noncurrent loans | 20.6857% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 1.4094% | 976 |
| Noncurrent loans to loans | 5.9270% | 92 |
| Net loans and leases to total assets | 21.0139% | 5,437 |
| Net loans and leases to deposits | 26.2995% | 5,429 |
| Net loans and leases to core deposits | 35.1670% | 5,351 |
| Total domestic deposits to total assets | 79.9026% | 4,252 |
| Equity capital to assets | 20.0196% | 230 |
| Core capital (leverage) ratio | 19.8435% | 233 |
| Tier 1 risk-based capital ratio | 55.9833% | 102 |
| Total risk-based capital ratio | 56.7085% | 103 |
| Memoranda: | ||
| Average total assets | $70,629,000 | 4,675 |
| Average earning assets | $63,288,670 | 4,705 |
| Average equity | $13,872,330 | 3,813 |
| Average total loans | $14,752,000 | 5,326 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6006% | 5,514 |
| Cost of funding earning assets | 0.3020% | 4,334 |
| Net interest margin | 2.2986% | 5,472 |
| Noninterest income to average assets | 0.1628% | 5,045 |
| Noninterest expense to average assets | 1.3867% | 5,456 |
| Loan and lease loss provision to assets | 0.1123% | 1,681 |
| Net operating income to assets | 0.7579% | 3,882 |
| Return on assets (ROA) | 0.7579% | 3,882 |
| Pretax return on assets | 0.7579% | 4,269 |
| Return on Equity (ROE) | 3.8954% | 4,790 |
| Retained earnings to average equity (ytd only) | 1.0388% | 4,620 |
| Net charge-offs to loans | 0.5968% | 252 |
| Credit loss provision to net charge-offs | 90.9091% | 1,665 |
| Earnings coverage of net charge-offs (x) | 7.0455% | 2,122 |
| Efficiency ratio | 61.4428% | 3,881 |
| Assets per employee ($millions) | 8.9265% | 452 |
| Cash dividends to net income (ytd only)* | 73.3333% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 3,803 |
| Loan loss allowance to noncurrent loans | 22.1893% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 1.0684% | 1,459 |
| Noncurrent loans to loans | 4.6257% | 181 |
| Net loans and leases to total assets | 20.2543% | 5,502 |
| Net loans and leases to deposits | 25.1548% | 5,496 |
| Net loans and leases to core deposits | 33.2147% | 5,422 |
| Total domestic deposits to total assets | 80.5187% | 4,317 |
| Equity capital to assets | 19.4211% | 235 |
| Core capital (leverage) ratio | 19.6161% | 228 |
| Tier 1 risk-based capital ratio | 55.5578% | 102 |
| Total risk-based capital ratio | 56.1552% | 104 |
| Memoranda: | ||
| Average total assets | $71,247,500 | 4,717 |
| Average earning assets | $64,908,000 | 4,733 |
| Average equity | $13,862,500 | 3,846 |
| Average total loans | $14,746,500 | 5,384 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4136% | 5,574 |
| Cost of funding earning assets | 0.2833% | 4,288 |
| Net interest margin | 2.1302% | 5,551 |
| Noninterest income to average assets | 0.3725% | 3,803 |
| Noninterest expense to average assets | 1.6266% | 5,391 |
| Loan and lease loss provision to assets | 0.1173% | 1,940 |
| Net operating income to assets | 0.6305% | 3,886 |
| Return on assets (ROA) | 0.6305% | 3,924 |
| Pretax return on assets | 0.6305% | 4,675 |
| Return on Equity (ROE) | 3.3000% | 4,746 |
| Retained earnings to average equity (ytd only) | 1.0543% | 4,610 |
| Net charge-offs to loans | 0.2701% | 966 |
| Credit loss provision to net charge-offs | 212.5000% | 1,285 |
| Earnings coverage of net charge-offs (x) | 13.5500% | 2,387 |
| Efficiency ratio | 68.5067% | 2,792 |
| Assets per employee ($millions) | 8.8854% | 466 |
| Cash dividends to net income (ytd only)* | 68.0525% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 3,800 |
| Loan loss allowance to noncurrent loans | 21.4689% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 1.1859% | 1,251 |
| Noncurrent loans to loans | 4.7584% | 154 |
| Net loans and leases to total assets | 20.7180% | 5,567 |
| Net loans and leases to deposits | 25.7578% | 5,554 |
| Net loans and leases to core deposits | 34.1290% | 5,487 |
| Total domestic deposits to total assets | 80.4341% | 4,260 |
| Equity capital to assets | 19.4927% | 230 |
| Core capital (leverage) ratio | 19.5033% | 213 |
| Tier 1 risk-based capital ratio | 55.0566% | 99 |
| Total risk-based capital ratio | 55.6580% | 98 |
| Memoranda: | ||
| Average total assets | $72,481,600 | 4,736 |
| Average earning assets | $68,114,400 | 4,701 |
| Average equity | $13,848,400 | 3,862 |
| Average total loans | $14,811,400 | 5,445 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3467% | 5,648 |
| Cost of funding earning assets | 0.2810% | 4,304 |
| Net interest margin | 2.0657% | 5,630 |
| Noninterest income to average assets | 0.2892% | 4,461 |
| Noninterest expense to average assets | 1.4131% | 5,572 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8274% | 3,401 |
| Return on assets (ROA) | 0.8274% | 3,435 |
| Pretax return on assets | 0.8274% | 4,277 |
| Return on Equity (ROE) | 4.3500% | 4,754 |
| Retained earnings to average equity (ytd only) | 1.3570% | 4,864 |
| Net charge-offs to loans | 0.1171% | 1,619 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 34.7750% | 1,429 |
| Efficiency ratio | 63.0719% | 3,697 |
| Assets per employee ($millions) | 8.9269% | 453 |
| Cash dividends to net income (ytd only)* | 68.8061% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6165% | 5,296 |
| Loan loss allowance to noncurrent loans | 10.6697% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 1.4297% | 1,082 |
| Noncurrent loans to loans | 5.7778% | 111 |
| Net loans and leases to total assets | 21.2196% | 5,632 |
| Net loans and leases to deposits | 26.3773% | 5,623 |
| Net loans and leases to core deposits | 34.9573% | 5,539 |
| Total domestic deposits to total assets | 80.4467% | 4,223 |
| Equity capital to assets | 19.4777% | 249 |
| Core capital (leverage) ratio | 19.1979% | 240 |
| Tier 1 risk-based capital ratio | 33.9807% | 353 |
| Total risk-based capital ratio | 34.2103% | 376 |
| Memoranda: | ||
| Average total assets | $72,838,750 | 4,775 |
| Average earning assets | $68,803,250 | 4,739 |
| Average equity | $13,854,000 | 3,902 |
| Average total loans | $14,794,500 | 5,502 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3047% | 5,702 |
| Cost of funding earning assets | 0.2755% | 4,331 |
| Net interest margin | 2.0292% | 5,687 |
| Noninterest income to average assets | 0.2264% | 4,891 |
| Noninterest expense to average assets | 1.3804% | 5,634 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7748% | 3,519 |
| Return on assets (ROA) | 0.7748% | 3,570 |
| Pretax return on assets | 0.7748% | 4,355 |
| Return on Equity (ROE) | 4.1054% | 4,800 |
| Retained earnings to average equity (ytd only) | 1.2432% | 4,750 |
| Net charge-offs to loans | 0.0546% | 2,151 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 834 |
| Efficiency ratio | 64.0506% | 3,656 |
| Assets per employee ($millions) | 9.1744% | 396 |
| Cash dividends to net income (ytd only)* | 69.7183% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7076% | 5,190 |
| Loan loss allowance to noncurrent loans | 11.8938% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 1.3707% | 1,156 |
| Noncurrent loans to loans | 5.9494% | 105 |
| Net loans and leases to total assets | 19.6921% | 5,684 |
| Net loans and leases to deposits | 24.2989% | 5,683 |
| Net loans and leases to core deposits | 31.8348% | 5,623 |
| Total domestic deposits to total assets | 81.0409% | 4,172 |
| Equity capital to assets | 18.8773% | 268 |
| Core capital (leverage) ratio | 19.1452% | 233 |
| Tier 1 risk-based capital ratio | 34.5977% | 318 |
| Total risk-based capital ratio | 34.8549% | 339 |
| Memoranda: | ||
| Average total assets | $73,313,330 | 4,798 |
| Average earning assets | $69,683,670 | 4,754 |
| Average equity | $13,835,330 | 3,912 |
| Average total loans | $14,643,330 | 5,554 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3842% | 5,747 |
| Cost of funding earning assets | 0.2771% | 4,280 |
| Net interest margin | 2.1071% | 5,738 |
| Noninterest income to average assets | 0.2402% | 4,817 |
| Noninterest expense to average assets | 1.4630% | 5,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7697% | 3,370 |
| Return on assets (ROA) | 0.7697% | 3,427 |
| Pretax return on assets | 0.7697% | 4,217 |
| Return on Equity (ROE) | 4.0794% | 4,756 |
| Retained earnings to average equity (ytd only) | 3.2693% | 3,801 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5257% | 3,572 |
| Assets per employee ($millions) | 8.0277% | 611 |
| Cash dividends to net income (ytd only)* | 19.8582% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7262% | 5,250 |
| Loan loss allowance to noncurrent loans | 11.5676% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 1.4229% | 1,165 |
| Noncurrent loans to loans | 6.2776% | 100 |
| Net loans and leases to total assets | 20.2466% | 5,748 |
| Net loans and leases to deposits | 25.0819% | 5,733 |
| Net loans and leases to core deposits | 32.1855% | 5,664 |
| Total domestic deposits to total assets | 80.7222% | 4,478 |
| Equity capital to assets | 19.2141% | 237 |
| Core capital (leverage) ratio | 18.8907% | 238 |
| Tier 1 risk-based capital ratio | 34.6946% | 331 |
| Total risk-based capital ratio | 34.9620% | 355 |
| Memoranda: | ||
| Average total assets | $73,272,500 | 4,847 |
| Average earning assets | $69,289,500 | 4,803 |
| Average equity | $13,825,500 | 3,944 |
| Average total loans | $14,687,000 | 5,617 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2801% | 5,806 |
| Cost of funding earning assets | 0.2561% | 4,511 |
| Net interest margin | 2.0240% | 5,801 |
| Noninterest income to average assets | 0.1604% | 5,408 |
| Noninterest expense to average assets | 1.5214% | 5,702 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5449% | 4,453 |
| Return on assets (ROA) | 0.5449% | 4,553 |
| Pretax return on assets | 0.5449% | 4,933 |
| Return on Equity (ROE) | 3.0414% | 5,144 |
| Retained earnings to average equity (ytd only) | 0.6112% | 5,084 |
| Net charge-offs to loans | 0.4111% | 643 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 6.9667% | 3,093 |
| Efficiency ratio | 73.6278% | 2,337 |
| Assets per employee ($millions) | 8.2551% | 544 |
| Cash dividends to net income (ytd only)* | 79.9043% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7309% | 5,291 |
| Loan loss allowance to noncurrent loans | 9.0372% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 1.7363% | 877 |
| Noncurrent loans to loans | 8.0880% | 52 |
| Net loans and leases to total assets | 19.5596% | 5,808 |
| Net loans and leases to deposits | 24.0250% | 5,799 |
| Net loans and leases to core deposits | 30.5102% | 5,748 |
| Total domestic deposits to total assets | 81.4135% | 4,227 |
| Equity capital to assets | 18.5326% | 273 |
| Core capital (leverage) ratio | 18.5426% | 251 |
| Tier 1 risk-based capital ratio | 32.1615% | 407 |
| Total risk-based capital ratio | 32.4115% | 430 |
| Memoranda: | ||
| Average total assets | $76,705,800 | 4,801 |
| Average earning assets | $72,233,800 | 4,754 |
| Average equity | $13,743,600 | 3,977 |
| Average total loans | $14,594,600 | 5,671 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3084% | 5,870 |
| Cost of funding earning assets | 0.2583% | 4,533 |
| Net interest margin | 2.0501% | 5,862 |
| Noninterest income to average assets | 0.1621% | 5,461 |
| Noninterest expense to average assets | 1.3470% | 5,843 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7451% | 3,628 |
| Return on assets (ROA) | 0.7451% | 3,756 |
| Pretax return on assets | 0.7451% | 4,488 |
| Return on Equity (ROE) | 4.1929% | 4,834 |
| Retained earnings to average equity (ytd only) | 0.9511% | 5,104 |
| Net charge-offs to loans | 0.2652% | 881 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 14.8950% | 2,218 |
| Efficiency ratio | 64.3858% | 3,872 |
| Assets per employee ($millions) | 9.0431% | 401 |
| Cash dividends to net income (ytd only)* | 77.3138% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9387% | 4,709 |
| Loan loss allowance to noncurrent loans | 10.1695% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 2.0513% | 759 |
| Noncurrent loans to loans | 9.2307% | 45 |
| Net loans and leases to total assets | 20.1299% | 5,868 |
| Net loans and leases to deposits | 24.8859% | 5,860 |
| Net loans and leases to core deposits | 31.8798% | 5,807 |
| Total domestic deposits to total assets | 80.8888% | 4,273 |
| Equity capital to assets | 19.0518% | 265 |
| Core capital (leverage) ratio | 17.4964% | 331 |
| Tier 1 risk-based capital ratio | 33.0647% | 381 |
| Total risk-based capital ratio | 33.3957% | 401 |
| Memoranda: | ||
| Average total assets | $77,308,250 | 4,828 |
| Average earning assets | $72,776,750 | 4,779 |
| Average equity | $13,737,250 | 4,012 |
| Average total loans | $14,583,500 | 5,730 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2930% | 5,957 |
| Cost of funding earning assets | 0.2542% | 4,617 |
| Net interest margin | 2.0389% | 5,948 |
| Noninterest income to average assets | 0.1444% | 5,587 |
| Noninterest expense to average assets | 1.3525% | 5,918 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7016% | 3,779 |
| Return on assets (ROA) | 0.7016% | 3,935 |
| Pretax return on assets | 0.7016% | 4,616 |
| Return on Equity (ROE) | 4.0373% | 4,897 |
| Retained earnings to average equity (ytd only) | 0.8308% | 5,048 |
| Net charge-offs to loans | 0.3163% | 750 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 12.0435% | 2,210 |
| Efficiency ratio | 65.8446% | 3,700 |
| Assets per employee ($millions) | 8.8347% | 413 |
| Cash dividends to net income (ytd only)* | 79.4224% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 4,407 |
| Loan loss allowance to noncurrent loans | 13.1627% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 1.4727% | 1,315 |
| Noncurrent loans to loans | 7.7457% | 75 |
| Net loans and leases to total assets | 17.5823% | 5,964 |
| Net loans and leases to deposits | 21.2704% | 5,969 |
| Net loans and leases to core deposits | 25.1145% | 5,945 |
| Total domestic deposits to total assets | 82.6605% | 3,773 |
| Equity capital to assets | 17.2829% | 397 |
| Core capital (leverage) ratio | 17.2357% | 346 |
| Tier 1 risk-based capital ratio | 31.3415% | 443 |
| Total risk-based capital ratio | 31.6699% | 471 |
| Memoranda: | ||
| Average total assets | $78,962,670 | 4,838 |
| Average earning assets | $73,963,000 | 4,804 |
| Average equity | $13,722,000 | 4,034 |
| Average total loans | $14,544,330 | 5,800 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3863% | 6,001 |
| Cost of funding earning assets | 0.2627% | 4,579 |
| Net interest margin | 2.1236% | 5,986 |
| Noninterest income to average assets | 0.0559% | 5,944 |
| Noninterest expense to average assets | 1.3979% | 5,963 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6303% | 4,059 |
| Return on assets (ROA) | 0.6303% | 4,174 |
| Pretax return on assets | 0.6303% | 4,730 |
| Return on Equity (ROE) | 3.6173% | 5,025 |
| Retained earnings to average equity (ytd only) | 1.5753% | 4,637 |
| Net charge-offs to loans | 0.1898% | 1,029 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 17.7143% | 1,561 |
| Efficiency ratio | 68.9223% | 3,308 |
| Assets per employee ($millions) | 8.7617% | 426 |
| Cash dividends to net income (ytd only)* | 56.4516% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0911% | 4,100 |
| Loan loss allowance to noncurrent loans | 14.6654% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 1.4812% | 1,386 |
| Noncurrent loans to loans | 7.4400% | 84 |
| Net loans and leases to total assets | 18.3933% | 6,013 |
| Net loans and leases to deposits | 22.2902% | 6,010 |
| Net loans and leases to core deposits | 27.9073% | 5,964 |
| Total domestic deposits to total assets | 82.5173% | 4,061 |
| Equity capital to assets | 17.4231% | 384 |
| Core capital (leverage) ratio | 17.5949% | 326 |
| Tier 1 risk-based capital ratio | 32.2368% | 421 |
| Total risk-based capital ratio | 32.6122% | 450 |
| Memoranda: | ||
| Average total assets | $78,688,000 | 4,888 |
| Average earning assets | $73,082,500 | 4,861 |
| Average equity | $13,712,000 | 4,045 |
| Average total loans | $14,754,500 | 5,856 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1265% | 6,085 |
| Cost of funding earning assets | 0.2699% | 4,585 |
| Net interest margin | 1.8566% | 6,072 |
| Noninterest income to average assets | 0.2107% | 5,333 |
| Noninterest expense to average assets | 1.3684% | 6,047 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5962% | 4,284 |
| Return on assets (ROA) | 0.5962% | 4,394 |
| Pretax return on assets | 0.5962% | 4,849 |
| Return on Equity (ROE) | 3.6632% | 5,080 |
| Retained earnings to average equity (ytd only) | 0.9195% | 5,153 |
| Net charge-offs to loans | 0.2980% | 1,015 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 10.5957% | 2,671 |
| Efficiency ratio | 69.6527% | 3,278 |
| Assets per employee ($millions) | 8.7246% | 424 |
| Cash dividends to net income (ytd only)* | 74.8996% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 3,899 |
| Loan loss allowance to noncurrent loans | 15.2233% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 1.5461% | 1,288 |
| Noncurrent loans to loans | 7.3897% | 92 |
| Net loans and leases to total assets | 18.6931% | 6,066 |
| Net loans and leases to deposits | 22.6537% | 6,063 |
| Net loans and leases to core deposits | 28.5492% | 6,019 |
| Total domestic deposits to total assets | 82.5168% | 4,014 |
| Equity capital to assets | 17.4285% | 365 |
| Core capital (leverage) ratio | 17.3538% | 330 |
| Tier 1 risk-based capital ratio | 33.3748% | 380 |
| Total risk-based capital ratio | 33.7821% | 401 |
| Memoranda: | ||
| Average total assets | $83,530,600 | 4,799 |
| Average earning assets | $78,908,000 | 4,743 |
| Average equity | $13,594,800 | 4,037 |
| Average total loans | $15,770,800 | 5,871 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0988% | 6,179 |
| Cost of funding earning assets | 0.2706% | 4,655 |
| Net interest margin | 1.8282% | 6,167 |
| Noninterest income to average assets | 0.1997% | 5,444 |
| Noninterest expense to average assets | 1.2345% | 6,166 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7077% | 3,870 |
| Return on assets (ROA) | 0.7077% | 3,979 |
| Pretax return on assets | 0.7077% | 4,660 |
| Return on Equity (ROE) | 4.4207% | 4,863 |
| Retained earnings to average equity (ytd only) | 0.7564% | 5,386 |
| Net charge-offs to loans | 0.3416% | 770 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 10.9748% | 2,543 |
| Efficiency ratio | 63.5628% | 4,324 |
| Assets per employee ($millions) | 8.7356% | 410 |
| Cash dividends to net income (ytd only)* | 82.8880% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 4,153 |
| Loan loss allowance to noncurrent loans | 17.4924% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 1.4119% | 1,627 |
| Noncurrent loans to loans | 6.3618% | 119 |
| Net loans and leases to total assets | 19.5535% | 6,143 |
| Net loans and leases to deposits | 23.6726% | 6,142 |
| Net loans and leases to core deposits | 29.8030% | 6,094 |
| Total domestic deposits to total assets | 82.5998% | 3,954 |
| Equity capital to assets | 17.3467% | 398 |
| Core capital (leverage) ratio | 15.8056% | 516 |
| Tier 1 risk-based capital ratio | 32.4915% | 431 |
| Total risk-based capital ratio | 32.9037% | 450 |
| Memoranda: | ||
| Average total assets | $84,783,000 | 4,827 |
| Average earning assets | $80,807,000 | 4,755 |
| Average equity | $13,572,250 | 4,084 |
| Average total loans | $16,002,250 | 5,936 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9598% | 6,265 |
| Cost of funding earning assets | 0.2650% | 4,773 |
| Net interest margin | 1.6948% | 6,257 |
| Noninterest income to average assets | 0.1796% | 5,622 |
| Noninterest expense to average assets | 1.1539% | 6,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6610% | 4,072 |
| Return on assets (ROA) | 0.6610% | 4,176 |
| Pretax return on assets | 0.6610% | 4,787 |
| Return on Equity (ROE) | 4.2361% | 4,933 |
| Retained earnings to average equity (ytd only) | 0.4133% | 5,382 |
| Net charge-offs to loans | 0.3838% | 680 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 9.2581% | 2,472 |
| Efficiency ratio | 63.5787% | 4,414 |
| Assets per employee ($millions) | 10.0214% | 260 |
| Cash dividends to net income (ytd only)* | 90.2439% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 4,008 |
| Loan loss allowance to noncurrent loans | 14.6283% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 1.5234% | 1,607 |
| Noncurrent loans to loans | 7.9550% | 87 |
| Net loans and leases to total assets | 17.2330% | 6,242 |
| Net loans and leases to deposits | 20.3046% | 6,249 |
| Net loans and leases to core deposits | 24.5867% | 6,215 |
| Total domestic deposits to total assets | 84.8724% | 3,183 |
| Equity capital to assets | 15.0666% | 691 |
| Core capital (leverage) ratio | 15.3064% | 576 |
| Tier 1 risk-based capital ratio | 35.1264% | 357 |
| Total risk-based capital ratio | 35.5994% | 380 |
| Memoranda: | ||
| Average total assets | $86,837,330 | 4,838 |
| Average earning assets | $83,783,330 | 4,738 |
| Average equity | $13,550,330 | 4,114 |
| Average total loans | $16,154,330 | 5,999 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0574% | 6,330 |
| Cost of funding earning assets | 0.2750% | 4,726 |
| Net interest margin | 1.7824% | 6,314 |
| Noninterest income to average assets | 0.1409% | 5,906 |
| Noninterest expense to average assets | 1.2259% | 6,315 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6200% | 4,196 |
| Return on assets (ROA) | 0.6200% | 4,291 |
| Pretax return on assets | 0.6200% | 4,856 |
| Return on Equity (ROE) | 3.9022% | 5,021 |
| Retained earnings to average equity (ytd only) | 1.2120% | 4,998 |
| Net charge-offs to loans | 0.6109% | 398 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 5.2800% | 2,401 |
| Efficiency ratio | 66.4122% | 4,075 |
| Assets per employee ($millions) | 11.1096% | 191 |
| Cash dividends to net income (ytd only)* | 68.9394% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 4,134 |
| Loan loss allowance to noncurrent loans | 15.7763% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 1.4863% | 1,770 |
| Noncurrent loans to loans | 7.4285% | 113 |
| Net loans and leases to total assets | 17.9326% | 6,290 |
| Net loans and leases to deposits | 21.1806% | 6,295 |
| Net loans and leases to core deposits | 25.7305% | 6,263 |
| Total domestic deposits to total assets | 84.6653% | 3,554 |
| Equity capital to assets | 15.2795% | 661 |
| Core capital (leverage) ratio | 14.6847% | 655 |
| Tier 1 risk-based capital ratio | 114.1328% | 49 |
| Total risk-based capital ratio | 115.3846% | 49 |
| Memoranda: | ||
| Average total assets | $85,159,500 | 4,916 |
| Average earning assets | $81,462,000 | 4,831 |
| Average equity | $13,531,000 | 4,145 |
| Average total loans | $16,368,500 | 6,042 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3357% | 6,368 |
| Cost of funding earning assets | 0.3454% | 4,298 |
| Net interest margin | 1.9903% | 6,373 |
| Noninterest income to average assets | 0.2975% | 4,995 |
| Noninterest expense to average assets | 1.4537% | 6,324 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7532% | 3,617 |
| Return on assets (ROA) | 0.7532% | 3,714 |
| Pretax return on assets | 0.7532% | 4,431 |
| Return on Equity (ROE) | 4.4978% | 4,890 |
| Retained earnings to average equity (ytd only) | 1.0045% | 5,320 |
| Net charge-offs to loans | 0.3040% | 1,455 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 11.1111% | 2,542 |
| Efficiency ratio | 65.8703% | 4,273 |
| Assets per employee ($millions) | 10.1803% | 235 |
| Cash dividends to net income (ytd only)* | 77.6667% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 3,493 |
| Loan loss allowance to noncurrent loans | 21.8145% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 1.3789% | 2,022 |
| Noncurrent loans to loans | 5.9061% | 203 |
| Net loans and leases to total assets | 20.1321% | 6,366 |
| Net loans and leases to deposits | 24.1441% | 6,368 |
| Net loans and leases to core deposits | 30.0139% | 6,311 |
| Total domestic deposits to total assets | 83.3833% | 3,950 |
| Equity capital to assets | 16.5541% | 475 |
| Core capital (leverage) ratio | 16.8305% | 383 |
| Tier 1 risk-based capital ratio | 27.7038% | 629 |
| Total risk-based capital ratio | 28.1410% | 672 |
| Memoranda: | ||
| Average total assets | $79,657,400 | 5,070 |
| Average earning assets | $76,422,400 | 4,971 |
| Average equity | $13,340,000 | 4,132 |
| Average total loans | $17,760,600 | 6,053 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3964% | 6,437 |
| Cost of funding earning assets | 0.3579% | 4,256 |
| Net interest margin | 2.0385% | 6,439 |
| Noninterest income to average assets | 0.2811% | 5,192 |
| Noninterest expense to average assets | 1.3415% | 6,437 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8955% | 2,930 |
| Return on assets (ROA) | 0.8955% | 3,026 |
| Pretax return on assets | 0.8955% | 4,008 |
| Return on Equity (ROE) | 5.3314% | 4,564 |
| Retained earnings to average equity (ytd only) | 0.6614% | 5,605 |
| Net charge-offs to loans | 0.2733% | 1,437 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 14.3791% | 2,148 |
| Efficiency ratio | 59.9699% | 5,184 |
| Assets per employee ($millions) | 8.9967% | 338 |
| Cash dividends to net income (ytd only)* | 87.5938% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 3,421 |
| Loan loss allowance to noncurrent loans | 23.4043% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 1.3943% | 2,212 |
| Noncurrent loans to loans | 5.7444% | 258 |
| Net loans and leases to total assets | 20.9349% | 6,435 |
| Net loans and leases to deposits | 25.1163% | 6,434 |
| Net loans and leases to core deposits | 31.2541% | 6,373 |
| Total domestic deposits to total assets | 83.3519% | 4,015 |
| Equity capital to assets | 16.5765% | 483 |
| Core capital (leverage) ratio | 16.7086% | 401 |
| Tier 1 risk-based capital ratio | 28.8778% | 587 |
| Total risk-based capital ratio | 29.3722% | 620 |
| Memoranda: | ||
| Average total assets | $79,211,250 | 5,141 |
| Average earning assets | $76,001,250 | 5,039 |
| Average equity | $13,304,500 | 4,164 |
| Average total loans | $18,048,250 | 6,107 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4195% | 6,500 |
| Cost of funding earning assets | 0.3692% | 4,221 |
| Net interest margin | 2.0503% | 6,506 |
| Noninterest income to average assets | 0.2696% | 5,279 |
| Noninterest expense to average assets | 1.3990% | 6,478 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8343% | 3,155 |
| Return on assets (ROA) | 0.8343% | 3,245 |
| Pretax return on assets | 0.8343% | 4,143 |
| Return on Equity (ROE) | 4.9452% | 4,700 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,678 |
| Net charge-offs to loans | 0.2618% | 1,500 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 1,963 |
| Efficiency ratio | 62.6424% | 4,916 |
| Assets per employee ($millions) | 8.7664% | 355 |
| Cash dividends to net income (ytd only)* | 100.0000% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 3,526 |
| Loan loss allowance to noncurrent loans | 24.7967% | 5,912 |
| Noncurrent assets plus other real estate owned to assets | 1.4322% | 2,280 |
| Noncurrent loans to loans | 5.4972% | 327 |
| Net loans and leases to total assets | 22.3783% | 6,479 |
| Net loans and leases to deposits | 26.9553% | 6,478 |
| Net loans and leases to core deposits | 33.7746% | 6,378 |
| Total domestic deposits to total assets | 83.0198% | 4,302 |
| Equity capital to assets | 16.8965% | 428 |
| Core capital (leverage) ratio | 16.8182% | 378 |
| Tier 1 risk-based capital ratio | 28.4893% | 613 |
| Total risk-based capital ratio | 29.0070% | 644 |
| Memoranda: | ||
| Average total assets | $78,625,000 | 5,196 |
| Average earning assets | $75,305,000 | 5,099 |
| Average equity | $13,265,330 | 4,172 |
| Average total loans | $18,337,000 | 6,145 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4965% | 6,549 |
| Cost of funding earning assets | 0.3718% | 4,294 |
| Net interest margin | 2.1247% | 6,555 |
| Noninterest income to average assets | 0.2803% | 5,124 |
| Noninterest expense to average assets | 1.4524% | 6,529 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8664% | 2,817 |
| Return on assets (ROA) | 0.8664% | 2,884 |
| Pretax return on assets | 0.8664% | 3,841 |
| Return on Equity (ROE) | 5.1389% | 4,472 |
| Retained earnings to average equity (ytd only) | 1.1185% | 5,156 |
| Net charge-offs to loans | 0.1940% | 1,569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 18.8889% | 1,402 |
| Efficiency ratio | 62.6374% | 5,043 |
| Assets per employee ($millions) | 7.9868% | 487 |
| Cash dividends to net income (ytd only)* | 78.2353% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4173% | 3,514 |
| Loan loss allowance to noncurrent loans | 27.4364% | 5,925 |
| Noncurrent assets plus other real estate owned to assets | 1.3648% | 2,589 |
| Noncurrent loans to loans | 5.1658% | 418 |
| Net loans and leases to total assets | 22.5560% | 6,531 |
| Net loans and leases to deposits | 27.0792% | 6,527 |
| Net loans and leases to core deposits | 33.7802% | 6,413 |
| Total domestic deposits to total assets | 83.2962% | 4,499 |
| Equity capital to assets | 16.6299% | 439 |
| Core capital (leverage) ratio | 16.9561% | 372 |
| Tier 1 risk-based capital ratio | 29.2083% | 564 |
| Total risk-based capital ratio | 29.7702% | 591 |
| Memoranda: | ||
| Average total assets | $78,488,500 | 5,246 |
| Average earning assets | $75,304,000 | 5,139 |
| Average equity | $13,232,500 | 4,195 |
| Average total loans | $18,555,500 | 6,197 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5044% | 6,613 |
| Cost of funding earning assets | 0.3929% | 4,731 |
| Net interest margin | 2.1115% | 6,613 |
| Noninterest income to average assets | 0.3089% | 5,128 |
| Noninterest expense to average assets | 1.5197% | 6,566 |
| Loan and lease loss provision to assets | 0.0582% | 3,976 |
| Net operating income to assets | 0.7521% | 3,537 |
| Return on assets (ROA) | 0.7521% | 3,634 |
| Pretax return on assets | 0.7521% | 4,329 |
| Return on Equity (ROE) | 4.4237% | 4,925 |
| Retained earnings to average equity (ytd only) | 1.5278% | 5,133 |
| Net charge-offs to loans | 0.4184% | 1,599 |
| Credit loss provision to net charge-offs | 56.2500% | 3,666 |
| Earnings coverage of net charge-offs (x) | 7.8375% | 2,776 |
| Efficiency ratio | 65.2246% | 4,695 |
| Assets per employee ($millions) | 7.7109% | 547 |
| Cash dividends to net income (ytd only)* | 65.4639% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 3,541 |
| Loan loss allowance to noncurrent loans | 26.7465% | 6,034 |
| Noncurrent assets plus other real estate owned to assets | 1.5536% | 2,397 |
| Noncurrent loans to loans | 5.3193% | 437 |
| Net loans and leases to total assets | 24.0815% | 6,602 |
| Net loans and leases to deposits | 29.0731% | 6,598 |
| Net loans and leases to core deposits | 36.6238% | 6,451 |
| Total domestic deposits to total assets | 82.8308% | 4,599 |
| Equity capital to assets | 17.0966% | 389 |
| Core capital (leverage) ratio | 17.1835% | 355 |
| Tier 1 risk-based capital ratio | 28.5259% | 580 |
| Total risk-based capital ratio | 29.0953% | 603 |
| Memoranda: | ||
| Average total assets | $77,382,800 | 5,294 |
| Average earning assets | $74,070,000 | 5,191 |
| Average equity | $13,156,400 | 4,230 |
| Average total loans | $19,120,600 | 6,247 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4750% | 6,701 |
| Cost of funding earning assets | 0.3966% | 4,842 |
| Net interest margin | 2.0783% | 6,702 |
| Noninterest income to average assets | 0.2840% | 5,416 |
| Noninterest expense to average assets | 1.3961% | 6,693 |
| Loan and lease loss provision to assets | 0.0775% | 3,511 |
| Net operating income to assets | 0.8039% | 3,326 |
| Return on assets (ROA) | 0.8039% | 3,461 |
| Pretax return on assets | 0.8039% | 4,277 |
| Return on Equity (ROE) | 4.7351% | 4,858 |
| Retained earnings to average equity (ytd only) | 0.8720% | 5,628 |
| Net charge-offs to loans | 0.5072% | 1,269 |
| Credit loss provision to net charge-offs | 61.6438% | 3,261 |
| Earnings coverage of net charge-offs (x) | 7.0138% | 2,866 |
| Efficiency ratio | 61.3001% | 5,229 |
| Assets per employee ($millions) | 7.7465% | 524 |
| Cash dividends to net income (ytd only)* | 81.5852% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 3,726 |
| Loan loss allowance to noncurrent loans | 27.3360% | 6,075 |
| Noncurrent assets plus other real estate owned to assets | 1.5814% | 2,563 |
| Noncurrent loans to loans | 5.2745% | 539 |
| Net loans and leases to total assets | 24.2664% | 6,683 |
| Net loans and leases to deposits | 29.1822% | 6,681 |
| Net loans and leases to core deposits | 36.7299% | 6,542 |
| Total domestic deposits to total assets | 83.1550% | 4,520 |
| Equity capital to assets | 16.7585% | 442 |
| Core capital (leverage) ratio | 17.2601% | 363 |
| Tier 1 risk-based capital ratio | 30.9457% | 476 |
| Total risk-based capital ratio | 31.5851% | 498 |
| Memoranda: | ||
| Average total assets | $77,451,250 | 5,347 |
| Average earning assets | $74,289,000 | 5,239 |
| Average equity | $13,149,750 | 4,280 |
| Average total loans | $19,191,500 | 6,307 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4243% | 6,757 |
| Cost of funding earning assets | 0.4045% | 4,899 |
| Net interest margin | 2.0198% | 6,756 |
| Noninterest income to average assets | 0.3435% | 4,939 |
| Noninterest expense to average assets | 1.4823% | 6,685 |
| Loan and lease loss provision to assets | 0.0775% | 3,510 |
| Net operating income to assets | 0.7179% | 3,727 |
| Return on assets (ROA) | 0.7179% | 3,898 |
| Pretax return on assets | 0.7179% | 4,623 |
| Return on Equity (ROE) | 4.2103% | 5,131 |
| Retained earnings to average equity (ytd only) | 0.1060% | 5,820 |
| Net charge-offs to loans | 0.6864% | 956 |
| Credit loss provision to net charge-offs | 45.4545% | 3,306 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 3,072 |
| Efficiency ratio | 65.0794% | 4,694 |
| Assets per employee ($millions) | 7.8517% | 487 |
| Cash dividends to net income (ytd only)* | 97.4820% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 4,152 |
| Loan loss allowance to noncurrent loans | 24.1848% | 6,204 |
| Noncurrent assets plus other real estate owned to assets | 1.6875% | 2,581 |
| Noncurrent loans to loans | 5.6805% | 529 |
| Net loans and leases to total assets | 24.4125% | 6,717 |
| Net loans and leases to deposits | 29.3116% | 6,713 |
| Net loans and leases to core deposits | 35.5688% | 6,612 |
| Total domestic deposits to total assets | 83.2864% | 4,593 |
| Equity capital to assets | 16.6168% | 457 |
| Core capital (leverage) ratio | 16.6093% | 408 |
| Tier 1 risk-based capital ratio | 31.7039% | 450 |
| Total risk-based capital ratio | 32.3437% | 465 |
| Memoranda: | ||
| Average total assets | $77,446,670 | 5,382 |
| Average earning assets | $74,164,670 | 5,270 |
| Average equity | $13,205,670 | 4,295 |
| Average total loans | $19,231,000 | 6,346 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5873% | 6,786 |
| Cost of funding earning assets | 0.4085% | 5,023 |
| Net interest margin | 2.1787% | 6,771 |
| Noninterest income to average assets | 0.3224% | 5,122 |
| Noninterest expense to average assets | 1.4146% | 6,805 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9881% | 2,279 |
| Return on assets (ROA) | 0.9881% | 2,400 |
| Pretax return on assets | 0.9881% | 3,404 |
| Return on Equity (ROE) | 5.7207% | 4,193 |
| Retained earnings to average equity (ytd only) | 2.5292% | 4,758 |
| Net charge-offs to loans | 0.6691% | 914 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.9375% | 2,301 |
| Efficiency ratio | 58.8745% | 5,732 |
| Assets per employee ($millions) | 8.6927% | 361 |
| Cash dividends to net income (ytd only)* | 55.7895% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 4,207 |
| Loan loss allowance to noncurrent loans | 24.0461% | 6,226 |
| Noncurrent assets plus other real estate owned to assets | 1.7230% | 2,708 |
| Noncurrent loans to loans | 5.8409% | 579 |
| Net loans and leases to total assets | 24.3168% | 6,764 |
| Net loans and leases to deposits | 29.3386% | 6,761 |
| Net loans and leases to core deposits | 36.8204% | 6,599 |
| Total domestic deposits to total assets | 82.8834% | 4,894 |
| Equity capital to assets | 17.0322% | 421 |
| Core capital (leverage) ratio | 16.9871% | 355 |
| Tier 1 risk-based capital ratio | 33.8790% | 381 |
| Total risk-based capital ratio | 34.5689% | 395 |
| Memoranda: | ||
| Average total assets | $76,911,500 | 5,442 |
| Average earning assets | $73,437,000 | 5,337 |
| Average equity | $13,285,000 | 4,333 |
| Average total loans | $19,129,000 | 6,405 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8578% | 6,834 |
| Cost of funding earning assets | 0.5282% | 5,007 |
| Net interest margin | 2.3296% | 6,821 |
| Noninterest income to average assets | 0.2680% | 5,536 |
| Noninterest expense to average assets | 1.5174% | 6,862 |
| Loan and lease loss provision to assets | 0.0259% | 5,569 |
| Net operating income to assets | 0.9516% | 2,537 |
| Return on assets (ROA) | 0.9516% | 2,791 |
| Pretax return on assets | 0.9516% | 3,735 |
| Return on Equity (ROE) | 5.5591% | 4,398 |
| Retained earnings to average equity (ytd only) | 1.0816% | 5,331 |
| Net charge-offs to loans | 0.2067% | 3,727 |
| Credit loss provision to net charge-offs | 47.6190% | 4,747 |
| Earnings coverage of net charge-offs (x) | 17.9762% | 1,471 |
| Efficiency ratio | 60.8199% | 5,410 |
| Assets per employee ($millions) | 6.8717% | 819 |
| Cash dividends to net income (ytd only)* | 80.5442% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5978% | 3,325 |
| Loan loss allowance to noncurrent loans | 25.8974% | 6,215 |
| Noncurrent assets plus other real estate owned to assets | 1.7569% | 2,766 |
| Noncurrent loans to loans | 6.1699% | 572 |
| Net loans and leases to total assets | 24.6861% | 6,843 |
| Net loans and leases to deposits | 29.9567% | 6,832 |
| Net loans and leases to core deposits | 37.9693% | 6,674 |
| Total domestic deposits to total assets | 82.4062% | 4,965 |
| Equity capital to assets | 17.5224% | 363 |
| Core capital (leverage) ratio | 17.3545% | 324 |
| Tier 1 risk-based capital ratio | 35.1776% | 341 |
| Total risk-based capital ratio | 35.9835% | 346 |
| Memoranda: | ||
| Average total assets | $77,238,800 | 5,423 |
| Average earning assets | $73,833,000 | 5,317 |
| Average equity | $13,221,600 | 4,310 |
| Average total loans | $20,319,800 | 6,412 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8954% | 6,932 |
| Cost of funding earning assets | 0.5429% | 5,145 |
| Net interest margin | 2.3525% | 6,921 |
| Noninterest income to average assets | 0.2782% | 5,549 |
| Noninterest expense to average assets | 1.4028% | 6,993 |
| Loan and lease loss provision to assets | 0.0343% | 5,343 |
| Net operating income to assets | 1.0955% | 2,111 |
| Return on assets (ROA) | 1.0955% | 2,305 |
| Pretax return on assets | 1.0955% | 3,366 |
| Return on Equity (ROE) | 6.4366% | 4,104 |
| Retained earnings to average equity (ytd only) | 0.4742% | 5,947 |
| Net charge-offs to loans | 0.2388% | 3,288 |
| Credit loss provision to net charge-offs | 54.0541% | 4,304 |
| Earnings coverage of net charge-offs (x) | 17.7845% | 1,604 |
| Efficiency ratio | 55.3898% | 6,121 |
| Assets per employee ($millions) | 6.8862% | 786 |
| Cash dividends to net income (ytd only)* | 92.6327% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5446% | 3,754 |
| Loan loss allowance to noncurrent loans | 30.0488% | 6,125 |
| Noncurrent assets plus other real estate owned to assets | 1.5618% | 3,251 |
| Noncurrent loans to loans | 5.1404% | 869 |
| Net loans and leases to total assets | 25.9175% | 6,920 |
| Net loans and leases to deposits | 31.4157% | 6,923 |
| Net loans and leases to core deposits | 39.7312% | 6,748 |
| Total domestic deposits to total assets | 82.4985% | 4,834 |
| Equity capital to assets | 17.4130% | 409 |
| Core capital (leverage) ratio | 16.8511% | 382 |
| Tier 1 risk-based capital ratio | 37.8747% | 288 |
| Total risk-based capital ratio | 38.7634% | 297 |
| Memoranda: | ||
| Average total assets | $77,651,250 | 5,470 |
| Average earning assets | $74,414,000 | 5,353 |
| Average equity | $13,215,750 | 4,356 |
| Average total loans | $20,659,000 | 6,482 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9251% | 7,004 |
| Cost of funding earning assets | 0.5530% | 5,287 |
| Net interest margin | 2.3722% | 6,975 |
| Noninterest income to average assets | 0.2964% | 5,436 |
| Noninterest expense to average assets | 1.3719% | 7,069 |
| Loan and lease loss provision to assets | 0.0511% | 5,028 |
| Net operating income to assets | 1.1420% | 1,905 |
| Return on assets (ROA) | 1.1420% | 2,124 |
| Pretax return on assets | 1.1420% | 3,147 |
| Return on Equity (ROE) | 6.7603% | 3,911 |
| Retained earnings to average equity (ytd only) | 0.0302% | 6,023 |
| Net charge-offs to loans | 0.2297% | 3,191 |
| Credit loss provision to net charge-offs | 83.3333% | 3,230 |
| Earnings coverage of net charge-offs (x) | 19.4583% | 1,437 |
| Efficiency ratio | 53.4861% | 6,370 |
| Assets per employee ($millions) | 6.5639% | 921 |
| Cash dividends to net income (ytd only)* | 99.5526% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5815% | 3,668 |
| Loan loss allowance to noncurrent loans | 30.4265% | 6,135 |
| Noncurrent assets plus other real estate owned to assets | 1.6403% | 3,265 |
| Noncurrent loans to loans | 5.1978% | 925 |
| Net loans and leases to total assets | 25.3609% | 6,998 |
| Net loans and leases to deposits | 30.4926% | 6,997 |
| Net loans and leases to core deposits | 38.0655% | 6,869 |
| Total domestic deposits to total assets | 83.1706% | 4,689 |
| Equity capital to assets | 16.7113% | 484 |
| Core capital (leverage) ratio | 16.3974% | 423 |
| Tier 1 risk-based capital ratio | 39.2942% | 242 |
| Total risk-based capital ratio | 40.2583% | 246 |
| Memoranda: | ||
| Average total assets | $78,285,670 | 5,489 |
| Average earning assets | $74,868,000 | 5,364 |
| Average equity | $13,224,330 | 4,353 |
| Average total loans | $20,898,670 | 6,513 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0300% | 7,033 |
| Cost of funding earning assets | 0.5779% | 5,294 |
| Net interest margin | 2.4521% | 6,981 |
| Noninterest income to average assets | 0.2768% | 5,650 |
| Noninterest expense to average assets | 1.3531% | 7,147 |
| Loan and lease loss provision to assets | 0.1025% | 4,056 |
| Net operating income to assets | 1.1481% | 1,886 |
| Return on assets (ROA) | 1.1481% | 2,067 |
| Pretax return on assets | 1.1481% | 3,119 |
| Return on Equity (ROE) | 6.7597% | 3,914 |
| Retained earnings to average equity (ytd only) | 1.5089% | 5,481 |
| Net charge-offs to loans | 0.3208% | 2,366 |
| Credit loss provision to net charge-offs | 117.6471% | 2,011 |
| Earnings coverage of net charge-offs (x) | 14.3529% | 1,475 |
| Efficiency ratio | 51.9685% | 6,546 |
| Assets per employee ($millions) | 6.6743% | 891 |
| Cash dividends to net income (ytd only)* | 77.6786% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6485% | 3,547 |
| Loan loss allowance to noncurrent loans | 36.0836% | 5,848 |
| Noncurrent assets plus other real estate owned to assets | 1.4246% | 3,728 |
| Noncurrent loans to loans | 4.5685% | 1,264 |
| Net loans and leases to total assets | 24.4335% | 7,075 |
| Net loans and leases to deposits | 29.3173% | 7,070 |
| Net loans and leases to core deposits | 36.4007% | 6,931 |
| Total domestic deposits to total assets | 83.3414% | 4,797 |
| Equity capital to assets | 16.5512% | 492 |
| Core capital (leverage) ratio | 16.2485% | 438 |
| Tier 1 risk-based capital ratio | 41.9271% | 203 |
| Total risk-based capital ratio | 42.9744% | 198 |
| Memoranda: | ||
| Average total assets | $78,045,000 | 5,537 |
| Average earning assets | $74,059,500 | 5,433 |
| Average equity | $13,255,000 | 4,359 |
| Average total loans | $21,199,500 | 6,546 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3394% | 7,082 |
| Cost of funding earning assets | 0.7167% | 5,421 |
| Net interest margin | 2.6226% | 6,991 |
| Noninterest income to average assets | 0.2632% | 5,651 |
| Noninterest expense to average assets | 1.6589% | 7,076 |
| Loan and lease loss provision to assets | 0.0129% | 6,378 |
| Net operating income to assets | 1.0836% | 1,883 |
| Return on assets (ROA) | 1.0836% | 2,012 |
| Pretax return on assets | 1.0836% | 2,900 |
| Return on Equity (ROE) | 6.3989% | 3,695 |
| Retained earnings to average equity (ytd only) | 1.9959% | 4,792 |
| Net charge-offs to loans | 0.3162% | 3,813 |
| Credit loss provision to net charge-offs | 13.1579% | 5,989 |
| Earnings coverage of net charge-offs (x) | 11.1842% | 1,746 |
| Efficiency ratio | 60.2060% | 5,723 |
| Assets per employee ($millions) | 5.8461% | 1,337 |
| Cash dividends to net income (ytd only)* | 68.8095% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4443% | 4,268 |
| Loan loss allowance to noncurrent loans | 26.9934% | 6,348 |
| Noncurrent assets plus other real estate owned to assets | 1.8987% | 3,108 |
| Noncurrent loans to loans | 5.3506% | 1,010 |
| Net loans and leases to total assets | 29.1806% | 7,033 |
| Net loans and leases to deposits | 35.3875% | 7,015 |
| Net loans and leases to core deposits | 46.4294% | 6,719 |
| Total domestic deposits to total assets | 82.4603% | 4,980 |
| Equity capital to assets | 17.4397% | 394 |
| Core capital (leverage) ratio | 17.2878% | 348 |
| Tier 1 risk-based capital ratio | 41.7862% | 207 |
| Total risk-based capital ratio | 42.8243% | 205 |
| Memoranda: | ||
| Average total assets | $77,519,800 | 5,526 |
| Average earning assets | $73,666,400 | 5,412 |
| Average equity | $13,127,200 | 4,316 |
| Average total loans | $24,032,000 | 6,465 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3663% | 7,156 |
| Cost of funding earning assets | 0.7537% | 5,448 |
| Net interest margin | 2.6126% | 7,065 |
| Noninterest income to average assets | 0.2533% | 5,809 |
| Noninterest expense to average assets | 1.5832% | 7,180 |
| Loan and lease loss provision to assets | 0.0171% | 6,224 |
| Net operating income to assets | 1.1330% | 1,868 |
| Return on assets (ROA) | 1.1330% | 1,990 |
| Pretax return on assets | 1.1330% | 2,883 |
| Return on Equity (ROE) | 6.7400% | 3,643 |
| Retained earnings to average equity (ytd only) | 0.8553% | 5,668 |
| Net charge-offs to loans | 0.1638% | 4,473 |
| Credit loss provision to net charge-offs | 33.3333% | 5,367 |
| Earnings coverage of net charge-offs (x) | 22.3995% | 1,153 |
| Efficiency ratio | 57.9211% | 6,021 |
| Assets per employee ($millions) | 6.3625% | 1,008 |
| Cash dividends to net income (ytd only)* | 87.3119% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 4,113 |
| Loan loss allowance to noncurrent loans | 29.6326% | 6,274 |
| Noncurrent assets plus other real estate owned to assets | 1.9031% | 3,263 |
| Noncurrent loans to loans | 5.0516% | 1,221 |
| Net loans and leases to total assets | 31.9751% | 7,030 |
| Net loans and leases to deposits | 38.6698% | 7,017 |
| Net loans and leases to core deposits | 49.5333% | 6,693 |
| Total domestic deposits to total assets | 82.6876% | 4,804 |
| Equity capital to assets | 17.1919% | 466 |
| Core capital (leverage) ratio | 16.5531% | 440 |
| Tier 1 risk-based capital ratio | 40.1300% | 253 |
| Total risk-based capital ratio | 41.2839% | 244 |
| Memoranda: | ||
| Average total assets | $77,900,000 | 5,553 |
| Average earning assets | $73,946,750 | 5,447 |
| Average equity | $13,095,500 | 4,330 |
| Average total loans | $24,414,500 | 6,509 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2814% | 7,258 |
| Cost of funding earning assets | 0.7724% | 5,549 |
| Net interest margin | 2.5090% | 7,182 |
| Noninterest income to average assets | 0.3086% | 5,422 |
| Noninterest expense to average assets | 1.5507% | 7,280 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1273% | 1,797 |
| Return on assets (ROA) | 1.1273% | 1,874 |
| Pretax return on assets | 1.1273% | 2,736 |
| Return on Equity (ROE) | 6.7557% | 3,548 |
| Retained earnings to average equity (ytd only) | 0.5044% | 5,650 |
| Net charge-offs to loans | 0.2058% | 3,920 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 17.6800% | 1,286 |
| Efficiency ratio | 57.9048% | 6,178 |
| Assets per employee ($millions) | 6.0638% | 1,152 |
| Cash dividends to net income (ytd only)* | 92.5339% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4469% | 4,361 |
| Loan loss allowance to noncurrent loans | 23.6434% | 6,591 |
| Noncurrent assets plus other real estate owned to assets | 2.2022% | 2,980 |
| Noncurrent loans to loans | 6.1195% | 961 |
| Net loans and leases to total assets | 31.6250% | 7,126 |
| Net loans and leases to deposits | 37.9863% | 7,122 |
| Net loans and leases to core deposits | 37.9863% | 7,169 |
| Total domestic deposits to total assets | 83.2538% | 4,651 |
| Equity capital to assets | 16.6206% | 528 |
| Core capital (leverage) ratio | 15.9595% | 513 |
| Tier 1 risk-based capital ratio | 34.0044% | 385 |
| Total risk-based capital ratio | 34.9727% | 384 |
| Memoranda: | ||
| Average total assets | $78,416,670 | 5,591 |
| Average earning assets | $74,053,670 | 5,491 |
| Average equity | $13,085,330 | 4,321 |
| Average total loans | $24,291,330 | 6,574 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3196% | 7,306 |
| Cost of funding earning assets | 0.8067% | 5,540 |
| Net interest margin | 2.5128% | 7,190 |
| Noninterest income to average assets | 0.3069% | 5,473 |
| Noninterest expense to average assets | 1.5446% | 7,342 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1201% | 1,765 |
| Return on assets (ROA) | 1.1201% | 1,816 |
| Pretax return on assets | 1.1201% | 2,681 |
| Return on Equity (ROE) | 6.6988% | 3,534 |
| Retained earnings to average equity (ytd only) | 1.7741% | 5,056 |
| Net charge-offs to loans | 0.2690% | 2,992 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 13.6875% | 1,416 |
| Efficiency ratio | 57.9655% | 6,275 |
| Assets per employee ($millions) | 6.1161% | 1,129 |
| Cash dividends to net income (ytd only)* | 73.5160% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5832% | 3,800 |
| Loan loss allowance to noncurrent loans | 35.9540% | 5,901 |
| Noncurrent assets plus other real estate owned to assets | 1.5608% | 3,907 |
| Noncurrent loans to loans | 4.4034% | 1,598 |
| Net loans and leases to total assets | 29.3187% | 7,251 |
| Net loans and leases to deposits | 35.1530% | 7,244 |
| Net loans and leases to core deposits | 45.2114% | 7,002 |
| Total domestic deposits to total assets | 83.4031% | 4,743 |
| Equity capital to assets | 16.4673% | 505 |
| Core capital (leverage) ratio | 15.6688% | 554 |
| Tier 1 risk-based capital ratio | 38.5073% | 261 |
| Total risk-based capital ratio | 39.6286% | 258 |
| Memoranda: | ||
| Average total assets | $78,210,000 | 5,639 |
| Average earning assets | $73,383,000 | 5,557 |
| Average equity | $13,077,000 | 4,320 |
| Average total loans | $23,789,000 | 6,657 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8932% | 7,205 |
| Cost of funding earning assets | 0.9114% | 6,126 |
| Net interest margin | 2.9818% | 6,764 |
| Noninterest income to average assets | 0.2753% | 5,816 |
| Noninterest expense to average assets | 1.7157% | 7,342 |
| Loan and lease loss provision to assets | 0.1070% | 6,079 |
| Net operating income to assets | 1.2316% | 1,338 |
| Return on assets (ROA) | 1.2316% | 1,411 |
| Pretax return on assets | 1.2316% | 2,135 |
| Return on Equity (ROE) | 7.2971% | 2,981 |
| Retained earnings to average equity (ytd only) | 1.9712% | 4,484 |
| Net charge-offs to loans | 0.9218% | 2,337 |
| Credit loss provision to net charge-offs | 36.7713% | 6,427 |
| Earnings coverage of net charge-offs (x) | 4.6009% | 2,871 |
| Efficiency ratio | 56.1726% | 6,579 |
| Assets per employee ($millions) | 5.9162% | 1,266 |
| Cash dividends to net income (ytd only)* | 72.9873% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6365% | 3,442 |
| Loan loss allowance to noncurrent loans | 33.1075% | 6,107 |
| Noncurrent assets plus other real estate owned to assets | 1.6682% | 3,802 |
| Noncurrent loans to loans | 4.9431% | 1,371 |
| Net loans and leases to total assets | 30.5561% | 7,335 |
| Net loans and leases to deposits | 36.8597% | 7,330 |
| Net loans and leases to core deposits | 47.9114% | 7,076 |
| Total domestic deposits to total assets | 82.8984% | 4,839 |
| Equity capital to assets | 16.9820% | 462 |
| Core capital (leverage) ratio | 17.0858% | 395 |
| Tier 1 risk-based capital ratio | 39.0610% | 256 |
| Total risk-based capital ratio | 40.2523% | 252 |
| Memoranda: | ||
| Average total assets | $76,645,600 | 5,691 |
| Average earning assets | $71,432,200 | 5,620 |
| Average equity | $12,936,600 | 4,375 |
| Average total loans | $24,191,600 | 6,722 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9780% | 7,297 |
| Cost of funding earning assets | 0.9323% | 6,266 |
| Net interest margin | 3.0458% | 6,740 |
| Noninterest income to average assets | 0.2751% | 5,908 |
| Noninterest expense to average assets | 1.6401% | 7,477 |
| Loan and lease loss provision to assets | 0.1254% | 5,774 |
| Net operating income to assets | 1.3424% | 1,250 |
| Return on assets (ROA) | 1.3424% | 1,325 |
| Pretax return on assets | 1.3424% | 2,060 |
| Return on Equity (ROE) | 7.9654% | 2,916 |
| Retained earnings to average equity (ytd only) | 0.8472% | 5,464 |
| Net charge-offs to loans | 1.1429% | 1,783 |
| Credit loss provision to net charge-offs | 34.6154% | 6,095 |
| Earnings coverage of net charge-offs (x) | 4.0528% | 3,204 |
| Efficiency ratio | 52.7731% | 6,909 |
| Assets per employee ($millions) | 5.6714% | 1,486 |
| Cash dividends to net income (ytd only)* | 89.3645% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6417% | 3,367 |
| Loan loss allowance to noncurrent loans | 43.0435% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 1.5096% | 4,192 |
| Noncurrent loans to loans | 3.8141% | 2,013 |
| Net loans and leases to total assets | 32.1791% | 7,400 |
| Net loans and leases to deposits | 39.1121% | 7,393 |
| Net loans and leases to core deposits | 51.5268% | 7,064 |
| Total domestic deposits to total assets | 82.2740% | 4,883 |
| Equity capital to assets | 17.5917% | 452 |
| Core capital (leverage) ratio | 16.7162% | 462 |
| Tier 1 risk-based capital ratio | 38.9954% | 268 |
| Total risk-based capital ratio | 40.2165% | 259 |
| Memoranda: | ||
| Average total assets | $76,579,250 | 5,752 |
| Average earning assets | $71,223,000 | 5,694 |
| Average equity | $12,905,500 | 4,457 |
| Average total loans | $24,266,500 | 6,803 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0308% | 7,335 |
| Cost of funding earning assets | 0.9376% | 6,431 |
| Net interest margin | 3.0931% | 6,623 |
| Noninterest income to average assets | 0.3173% | 5,621 |
| Noninterest expense to average assets | 1.6355% | 7,545 |
| Loan and lease loss provision to assets | 0.1341% | 5,548 |
| Net operating income to assets | 1.4240% | 1,045 |
| Return on assets (ROA) | 1.4240% | 1,119 |
| Pretax return on assets | 1.4240% | 1,769 |
| Return on Equity (ROE) | 8.5688% | 2,639 |
| Retained earnings to average equity (ytd only) | 0.7296% | 5,469 |
| Net charge-offs to loans | 1.3983% | 1,363 |
| Credit loss provision to net charge-offs | 30.5882% | 5,725 |
| Earnings coverage of net charge-offs (x) | 3.5529% | 3,274 |
| Efficiency ratio | 51.2116% | 7,132 |
| Assets per employee ($millions) | 5.8092% | 1,366 |
| Cash dividends to net income (ytd only)* | 91.4855% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6944% | 3,105 |
| Loan loss allowance to noncurrent loans | 41.9028% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 1.5678% | 4,108 |
| Noncurrent loans to loans | 4.0437% | 1,867 |
| Net loans and leases to total assets | 31.8052% | 7,488 |
| Net loans and leases to deposits | 38.4292% | 7,485 |
| Net loans and leases to core deposits | 48.8350% | 7,256 |
| Total domestic deposits to total assets | 82.7633% | 4,659 |
| Equity capital to assets | 17.0977% | 513 |
| Core capital (leverage) ratio | 15.8457% | 586 |
| Tier 1 risk-based capital ratio | 36.8435% | 306 |
| Total risk-based capital ratio | 38.0528% | 298 |
| Memoranda: | ||
| Average total assets | $77,529,670 | 5,764 |
| Average earning assets | $72,095,670 | 5,705 |
| Average equity | $12,884,000 | 4,463 |
| Average total loans | $24,315,000 | 6,839 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9729% | 7,480 |
| Cost of funding earning assets | 0.9361% | 6,632 |
| Net interest margin | 3.0368% | 6,748 |
| Noninterest income to average assets | 0.3158% | 5,626 |
| Noninterest expense to average assets | 1.5585% | 7,682 |
| Loan and lease loss provision to assets | 0.1528% | 5,011 |
| Net operating income to assets | 1.4465% | 990 |
| Return on assets (ROA) | 1.4465% | 1,063 |
| Pretax return on assets | 1.4465% | 1,647 |
| Return on Equity (ROE) | 8.8267% | 2,555 |
| Retained earnings to average equity (ytd only) | 2.9526% | 4,356 |
| Net charge-offs to loans | 1.3687% | 1,258 |
| Credit loss provision to net charge-offs | 36.1446% | 4,715 |
| Earnings coverage of net charge-offs (x) | 3.7831% | 2,788 |
| Efficiency ratio | 49.3548% | 7,354 |
| Assets per employee ($millions) | 6.1963% | 1,143 |
| Cash dividends to net income (ytd only)* | 66.5493% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0232% | 2,121 |
| Loan loss allowance to noncurrent loans | 54.1243% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 1.3457% | 4,500 |
| Noncurrent loans to loans | 3.7381% | 2,128 |
| Net loans and leases to total assets | 28.7963% | 7,656 |
| Net loans and leases to deposits | 34.3283% | 7,652 |
| Net loans and leases to core deposits | 42.6860% | 7,510 |
| Total domestic deposits to total assets | 83.8849% | 4,202 |
| Equity capital to assets | 15.9822% | 671 |
| Core capital (leverage) ratio | 15.8876% | 601 |
| Tier 1 risk-based capital ratio | 37.7505% | 295 |
| Total risk-based capital ratio | 39.0029% | 285 |
| Memoranda: | ||
| Average total assets | $78,535,000 | 5,812 |
| Average earning assets | $73,498,500 | 5,724 |
| Average equity | $12,870,000 | 4,506 |
| Average total loans | $24,256,000 | 6,927 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3362% | 7,533 |
| Cost of funding earning assets | 0.9485% | 7,310 |
| Net interest margin | 3.3877% | 5,414 |
| Noninterest income to average assets | 0.3366% | 5,685 |
| Noninterest expense to average assets | 1.8246% | 7,584 |
| Loan and lease loss provision to assets | 0.1380% | 6,262 |
| Net operating income to assets | 1.6118% | 533 |
| Return on assets (ROA) | 1.6118% | 565 |
| Pretax return on assets | 1.6118% | 939 |
| Return on Equity (ROE) | 9.7975% | 1,747 |
| Retained earnings to average equity (ytd only) | 1.6538% | 3,925 |
| Net charge-offs to loans | 0.6833% | 3,138 |
| Credit loss provision to net charge-offs | 62.2093% | 6,615 |
| Earnings coverage of net charge-offs (x) | 7.8895% | 2,047 |
| Efficiency ratio | 51.0462% | 7,471 |
| Assets per employee ($millions) | 5.4656% | 1,677 |
| Cash dividends to net income (ytd only)* | 83.1200% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1420% | 1,747 |
| Loan loss allowance to noncurrent loans | 44.5935% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 1.8048% | 3,660 |
| Noncurrent loans to loans | 4.8033% | 1,435 |
| Net loans and leases to total assets | 31.7638% | 7,670 |
| Net loans and leases to deposits | 38.2491% | 7,675 |
| Net loans and leases to core deposits | 54.7533% | 7,445 |
| Total domestic deposits to total assets | 83.0445% | 4,503 |
| Equity capital to assets | 16.8143% | 577 |
| Core capital (leverage) ratio | 16.4438% | 556 |
| Tier 1 risk-based capital ratio | 37.1680% | 298 |
| Total risk-based capital ratio | 38.4222% | 290 |
| Memoranda: | ||
| Average total assets | $77,551,200 | 5,794 |
| Average earning assets | $74,120,600 | 5,673 |
| Average equity | $12,758,400 | 4,572 |
| Average total loans | $25,173,000 | 6,903 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4091% | 7,601 |
| Cost of funding earning assets | 0.9364% | 7,503 |
| Net interest margin | 3.4727% | 4,981 |
| Noninterest income to average assets | 0.3273% | 5,867 |
| Noninterest expense to average assets | 1.7170% | 7,747 |
| Loan and lease loss provision to assets | 0.1491% | 5,860 |
| Net operating income to assets | 1.7975% | 443 |
| Return on assets (ROA) | 1.7975% | 474 |
| Pretax return on assets | 1.7975% | 803 |
| Return on Equity (ROE) | 10.9856% | 1,623 |
| Retained earnings to average equity (ytd only) | 0.1047% | 5,159 |
| Net charge-offs to loans | 0.7760% | 2,420 |
| Credit loss provision to net charge-offs | 59.1837% | 6,187 |
| Earnings coverage of net charge-offs (x) | 7.7277% | 2,361 |
| Efficiency ratio | 46.8662% | 7,728 |
| Assets per employee ($millions) | 5.2719% | 1,817 |
| Cash dividends to net income (ytd only)* | 99.0469% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2222% | 1,382 |
| Loan loss allowance to noncurrent loans | 63.6256% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.4118% | 4,281 |
| Noncurrent loans to loans | 3.4927% | 2,140 |
| Net loans and leases to total assets | 32.0137% | 7,751 |
| Net loans and leases to deposits | 38.7598% | 7,764 |
| Net loans and leases to core deposits | 57.0036% | 7,510 |
| Total domestic deposits to total assets | 82.5949% | 4,402 |
| Equity capital to assets | 17.2303% | 599 |
| Core capital (leverage) ratio | 16.1298% | 659 |
| Tier 1 risk-based capital ratio | 40.8992% | 272 |
| Total risk-based capital ratio | 42.1563% | 263 |
| Memoranda: | ||
| Average total assets | $77,809,500 | 5,827 |
| Average earning assets | $74,752,750 | 5,681 |
| Average equity | $12,731,500 | 4,599 |
| Average total loans | $25,257,000 | 6,957 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4335% | 7,687 |
| Cost of funding earning assets | 0.9257% | 7,661 |
| Net interest margin | 3.5077% | 4,764 |
| Noninterest income to average assets | 0.3412% | 5,778 |
| Noninterest expense to average assets | 1.6527% | 7,879 |
| Loan and lease loss provision to assets | 0.1693% | 5,372 |
| Net operating income to assets | 1.8801% | 390 |
| Return on assets (ROA) | 1.8801% | 421 |
| Pretax return on assets | 1.8801% | 724 |
| Return on Equity (ROE) | 11.6831% | 1,510 |
| Retained earnings to average equity (ytd only) | -0.8480% | 5,439 |
| Net charge-offs to loans | 0.6089% | 2,519 |
| Credit loss provision to net charge-offs | 85.8974% | 5,034 |
| Earnings coverage of net charge-offs (x) | 10.3974% | 1,999 |
| Efficiency ratio | 44.6416% | 7,902 |
| Assets per employee ($millions) | 5.4770% | 1,600 |
| Cash dividends to net income (ytd only)* | 107.2581% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4462% | 947 |
| Loan loss allowance to noncurrent loans | 62.5400% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.3276% | 4,296 |
| Noncurrent loans to loans | 3.9113% | 1,738 |
| Net loans and leases to total assets | 30.4781% | 7,873 |
| Net loans and leases to deposits | 36.5385% | 7,891 |
| Net loans and leases to core deposits | 44.9009% | 7,860 |
| Total domestic deposits to total assets | 83.4138% | 4,058 |
| Equity capital to assets | 16.4297% | 764 |
| Core capital (leverage) ratio | 15.1624% | 882 |
| Tier 1 risk-based capital ratio | 40.7063% | 292 |
| Total risk-based capital ratio | 41.9640% | 285 |
| Memoranda: | ||
| Average total assets | $79,144,000 | 5,829 |
| Average earning assets | $75,832,330 | 5,677 |
| Average equity | $12,736,330 | 4,616 |
| Average total loans | $25,621,000 | 6,987 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6183% | 7,604 |
| Cost of funding earning assets | 0.9781% | 7,705 |
| Net interest margin | 3.6402% | 4,138 |
| Noninterest income to average assets | 0.3434% | 5,706 |
| Noninterest expense to average assets | 1.6771% | 7,847 |
| Loan and lease loss provision to assets | 0.2239% | 4,215 |
| Net operating income to assets | 1.9060% | 423 |
| Return on assets (ROA) | 1.9060% | 474 |
| Pretax return on assets | 1.9060% | 786 |
| Return on Equity (ROE) | 11.9636% | 1,671 |
| Retained earnings to average equity (ytd only) | 1.0620% | 5,217 |
| Net charge-offs to loans | 0.8014% | 1,612 |
| Credit loss provision to net charge-offs | 84.9057% | 4,104 |
| Earnings coverage of net charge-offs (x) | 8.0755% | 2,243 |
| Efficiency ratio | 44.0523% | 7,927 |
| Assets per employee ($millions) | 5.9122% | 1,247 |
| Cash dividends to net income (ytd only)* | 91.1227% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3068% | 938 |
| Loan loss allowance to noncurrent loans | 68.9696% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 1.1357% | 4,404 |
| Noncurrent loans to loans | 3.3447% | 1,920 |
| Net loans and leases to total assets | 30.1362% | 7,914 |
| Net loans and leases to deposits | 35.6740% | 7,950 |
| Net loans and leases to core deposits | 43.7093% | 7,910 |
| Total domestic deposits to total assets | 84.4764% | 3,472 |
| Equity capital to assets | 15.3532% | 999 |
| Core capital (leverage) ratio | 14.8191% | 1,003 |
| Tier 1 risk-based capital ratio | 36.0758% | 404 |
| Total risk-based capital ratio | 37.3311% | 395 |
| Memoranda: | ||
| Average total assets | $80,377,000 | 5,808 |
| Average earning assets | $76,478,500 | 5,676 |
| Average equity | $12,805,500 | 4,627 |
| Average total loans | $26,453,500 | 6,980 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1707% | 4,665 |
| Cost of funding earning assets | 1.5149% | 7,587 |
| Net interest margin | 4.6558% | 1,045 |
| Noninterest income to average assets | 0.5035% | 4,598 |
| Noninterest expense to average assets | 1.8509% | 7,691 |
| Loan and lease loss provision to assets | 0.2804% | 4,142 |
| Net operating income to assets | 2.8057% | 81 |
| Return on assets (ROA) | 2.8057% | 81 |
| Pretax return on assets | 2.8057% | 118 |
| Return on Equity (ROE) | 17.4266% | 582 |
| Retained earnings to average equity (ytd only) | 4.2128% | 2,497 |
| Net charge-offs to loans | 0.7257% | 1,701 |
| Credit loss provision to net charge-offs | 101.8957% | 5,227 |
| Earnings coverage of net charge-offs (x) | 11.2133% | 2,398 |
| Efficiency ratio | 37.4901% | 8,167 |
| Assets per employee ($millions) | 5.1989% | 1,727 |
| Cash dividends to net income (ytd only)* | 75.8252% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1809% | 970 |
| Loan loss allowance to noncurrent loans | 117.9842% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.7591% | 4,947 |
| Noncurrent loans to loans | 1.8485% | 2,988 |
| Net loans and leases to total assets | 34.3370% | 7,884 |
| Net loans and leases to deposits | 41.2360% | 7,919 |
| Net loans and leases to core deposits | 57.4453% | 7,689 |
| Total domestic deposits to total assets | 83.2694% | 3,666 |
| Equity capital to assets | 16.5459% | 831 |
| Core capital (leverage) ratio | 15.6866% | 882 |
| Tier 1 risk-based capital ratio | 36.5265% | 409 |
| Total risk-based capital ratio | 37.7801% | 402 |
| Memoranda: | ||
| Average total assets | $76,666,600 | 5,811 |
| Average earning assets | $73,006,400 | 5,710 |
| Average equity | $12,343,200 | 4,741 |
| Average total loans | $29,075,800 | 6,766 |