Home > Odin State Bank > Performance and Condition Ratios
Odin 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 | 5.6951% | 932 |
| Cost of funding earning assets | 2.2548% | 589 |
| Net interest margin | 3.4403% | 2,320 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 2.2705% | 2,920 |
| Loan and lease loss provision to assets | 0.3200% | 332 |
| Net operating income to assets | 0.8587% | 2,678 |
| Return on assets (ROA) | 0.9470% | 2,368 |
| Pretax return on assets | 1.0637% | 2,507 |
| Return on Equity (ROE) | 14.6200% | 1,362 |
| Retained earnings to average equity (ytd only) | 5.2700% | 2,498 |
| Net charge-offs to loans | 0.2418% | 445 |
| Credit loss provision to net charge-offs | 163.1579% | 1,390 |
| Earnings coverage of net charge-offs (x) | 6.6015% | 2,461 |
| Efficiency ratio | 63.9277% | 2,617 |
| Assets per employee ($millions) | 6.6603% | 2,297 |
| Cash dividends to net income (ytd only)* | 63.9445% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 1,538 |
| Loan loss allowance to noncurrent loans | 73.8894% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 1.5055% | 250 |
| Noncurrent loans to loans | 1.8437% | 321 |
| Net loans and leases to total assets | 80.5500% | 579 |
| Net loans and leases to deposits | 97.0192% | 711 |
| Net loans and leases to core deposits | 136.0524% | 316 |
| Total domestic deposits to total assets | 83.0200% | 2,888 |
| Equity capital to assets | 6.4999% | 4,112 |
| Core capital (leverage) ratio | 7.8111% | 4,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2515% | 2,513 |
| Memoranda: | ||
| Average total assets | $68,531,800 | 4,127 |
| Average earning assets | $65,372,000 | 4,084 |
| Average equity | $4,440,200 | 4,311 |
| Average total loans | $54,998,400 | 3,775 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4931% | 1,021 |
| Cost of funding earning assets | 2.0244% | 677 |
| Net interest margin | 3.4687% | 2,279 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.2829% | 2,844 |
| Loan and lease loss provision to assets | 0.2900% | 324 |
| Net operating income to assets | 0.9410% | 2,545 |
| Return on assets (ROA) | 1.0148% | 2,307 |
| Pretax return on assets | 1.1098% | 2,541 |
| Return on Equity (ROE) | 15.5100% | 1,344 |
| Retained earnings to average equity (ytd only) | 2.9632% | 3,525 |
| Net charge-offs to loans | 0.2900% | 298 |
| Credit loss provision to net charge-offs | 124.7863% | 1,452 |
| Earnings coverage of net charge-offs (x) | 5.6923% | 2,338 |
| Efficiency ratio | 63.4066% | 2,574 |
| Assets per employee ($millions) | 6.2012% | 2,565 |
| Cash dividends to net income (ytd only)* | 80.8967% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 2,029 |
| Loan loss allowance to noncurrent loans | 73.3820% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 1.4044% | 278 |
| Noncurrent loans to loans | 1.7249% | 387 |
| Net loans and leases to total assets | 80.3900% | 597 |
| Net loans and leases to deposits | 93.7592% | 916 |
| Net loans and leases to core deposits | 117.3540% | 630 |
| Total domestic deposits to total assets | 85.7400% | 2,273 |
| Equity capital to assets | 6.2290% | 3,913 |
| Core capital (leverage) ratio | 8.3292% | 4,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2364% | 2,188 |
| Memoranda: | ||
| Average total assets | $67,398,750 | 4,154 |
| Average earning assets | $64,345,500 | 4,114 |
| Average equity | $4,409,500 | 4,320 |
| Average total loans | $53,791,750 | 3,799 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3063% | 1,071 |
| Cost of funding earning assets | 1.8572% | 664 |
| Net interest margin | 3.4491% | 2,392 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.2405% | 2,972 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.1057% | 2,112 |
| Return on assets (ROA) | 1.1888% | 1,851 |
| Pretax return on assets | 1.2782% | 2,138 |
| Return on Equity (ROE) | 17.8800% | 974 |
| Retained earnings to average equity (ytd only) | 1.6133% | 3,805 |
| Net charge-offs to loans | 0.0789% | 792 |
| Credit loss provision to net charge-offs | 238.0952% | 981 |
| Earnings coverage of net charge-offs (x) | 21.3810% | 1,723 |
| Efficiency ratio | 62.6145% | 2,635 |
| Assets per employee ($millions) | 6.1225% | 2,599 |
| Cash dividends to net income (ytd only)* | 90.9774% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 1,935 |
| Loan loss allowance to noncurrent loans | 77.5083% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.3467% | 283 |
| Noncurrent loans to loans | 1.6762% | 373 |
| Net loans and leases to total assets | 79.3000% | 700 |
| Net loans and leases to deposits | 94.6245% | 813 |
| Net loans and leases to core deposits | 110.8374% | 793 |
| Total domestic deposits to total assets | 83.8100% | 2,869 |
| Equity capital to assets | 6.5392% | 3,984 |
| Core capital (leverage) ratio | 8.4073% | 4,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9191% | 2,324 |
| Memoranda: | ||
| Average total assets | $67,127,333 | 4,177 |
| Average earning assets | $64,075,333 | 4,137 |
| Average equity | $4,463,000 | 4,344 |
| Average total loans | $53,209,333 | 3,818 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1789% | 978 |
| Cost of funding earning assets | 1.7033% | 570 |
| Net interest margin | 3.4756% | 2,433 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.0771% | 3,434 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5339% | 1,108 |
| Return on assets (ROA) | 1.6414% | 919 |
| Pretax return on assets | 1.6235% | 1,408 |
| Return on Equity (ROE) | 24.4900% | 428 |
| Retained earnings to average equity (ytd only) | 1.5136% | 3,780 |
| Net charge-offs to loans | -0.0152% | 3,998 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.8073% | 3,212 |
| Assets per employee ($millions) | 6.5636% | 2,295 |
| Cash dividends to net income (ytd only)* | 93.8182% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3027% | 2,024 |
| Loan loss allowance to noncurrent loans | 50.8653% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 2.0248% | 123 |
| Noncurrent loans to loans | 2.5611% | 185 |
| Net loans and leases to total assets | 78.0300% | 765 |
| Net loans and leases to deposits | 88.6228% | 1,158 |
| Net loans and leases to core deposits | 104.9938% | 874 |
| Total domestic deposits to total assets | 88.0500% | 1,910 |
| Equity capital to assets | 6.7798% | 3,922 |
| Core capital (leverage) ratio | 8.3337% | 4,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4734% | 2,189 |
| Memoranda: | ||
| Average total assets | $67,017,000 | 4,233 |
| Average earning assets | $63,874,500 | 4,197 |
| Average equity | $4,492,500 | 4,402 |
| Average total loans | $52,759,000 | 3,866 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8808% | 373 |
| Cost of funding earning assets | 0.8129% | 371 |
| Net interest margin | 4.0680% | 706 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.5112% | 2,076 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4743% | 949 |
| Return on assets (ROA) | 1.4320% | 1,009 |
| Pretax return on assets | 1.5680% | 1,247 |
| Return on Equity (ROE) | 17.9300% | 712 |
| Retained earnings to average equity (ytd only) | 8.8381% | 1,529 |
| Net charge-offs to loans | 0.0636% | 1,010 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 34.7407% | 1,591 |
| Efficiency ratio | 60.8678% | 2,931 |
| Assets per employee ($millions) | 6.2180% | 2,578 |
| Cash dividends to net income (ytd only)* | 50.7212% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8503% | 3,921 |
| Loan loss allowance to noncurrent loans | 47.7487% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.3962% | 244 |
| Noncurrent loans to loans | 1.7809% | 339 |
| Net loans and leases to total assets | 77.7400% | 823 |
| Net loans and leases to deposits | 101.6168% | 380 |
| Net loans and leases to core deposits | 121.8880% | 336 |
| Total domestic deposits to total assets | 76.5000% | 4,225 |
| Equity capital to assets | 6.6303% | 3,849 |
| Core capital (leverage) ratio | 9.0490% | 3,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $58,100,000 | 4,352 |
| Average earning assets | $55,236,400 | 4,319 |
| Average equity | $4,639,000 | 4,467 |
| Average total loans | $42,443,000 | 4,019 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8481% | 262 |
| Cost of funding earning assets | 0.5446% | 595 |
| Net interest margin | 4.3036% | 331 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.4253% | 2,242 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.8026% | 428 |
| Return on assets (ROA) | 1.7289% | 485 |
| Pretax return on assets | 1.8562% | 650 |
| Return on Equity (ROE) | 20.5800% | 391 |
| Retained earnings to average equity (ytd only) | 8.5171% | 1,815 |
| Net charge-offs to loans | 0.1043% | 595 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,591 |
| Efficiency ratio | 55.6167% | 3,660 |
| Assets per employee ($millions) | 5.4274% | 3,294 |
| Cash dividends to net income (ytd only)* | 58.6111% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 3,559 |
| Loan loss allowance to noncurrent loans | 33.9594% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 2.2294% | 107 |
| Noncurrent loans to loans | 2.8958% | 165 |
| Net loans and leases to total assets | 76.2300% | 887 |
| Net loans and leases to deposits | 97.4039% | 479 |
| Net loans and leases to core deposits | 113.0792% | 388 |
| Total domestic deposits to total assets | 78.2600% | 4,240 |
| Equity capital to assets | 6.9228% | 3,557 |
| Core capital (leverage) ratio | 9.9834% | 2,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $55,525,500 | 4,417 |
| Average earning assets | $52,885,000 | 4,378 |
| Average equity | $4,665,000 | 4,507 |
| Average total loans | $39,647,250 | 4,085 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8257% | 218 |
| Cost of funding earning assets | 0.4461% | 702 |
| Net interest margin | 4.3796% | 235 |
| Noninterest income to average assets | 0.2586% | 3,623 |
| Noninterest expense to average assets | 2.5529% | 1,768 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.7338% | 394 |
| Return on assets (ROA) | 1.6182% | 513 |
| Pretax return on assets | 1.7512% | 677 |
| Return on Equity (ROE) | 18.0905% | 463 |
| Retained earnings to average equity (ytd only) | 6.3193% | 2,229 |
| Net charge-offs to loans | 0.1492% | 432 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 18.1429% | 1,590 |
| Efficiency ratio | 57.6314% | 3,610 |
| Assets per employee ($millions) | 5.3816% | 3,356 |
| Cash dividends to net income (ytd only)* | 65.0685% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 2,889 |
| Loan loss allowance to noncurrent loans | 71.7666% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.1781% | 363 |
| Noncurrent loans to loans | 1.6153% | 449 |
| Net loans and leases to total assets | 72.0882% | 1,091 |
| Net loans and leases to deposits | 88.2427% | 821 |
| Net loans and leases to core deposits | 99.2961% | 697 |
| Total domestic deposits to total assets | 81.6932% | 4,052 |
| Equity capital to assets | 8.2280% | 2,959 |
| Core capital (leverage) ratio | 10.1132% | 2,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,133,667 | 4,470 |
| Average earning assets | $51,557,333 | 4,446 |
| Average equity | $4,842,333 | 4,534 |
| Average total loans | $37,542,000 | 4,187 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0708% | 139 |
| Cost of funding earning assets | 0.4174% | 784 |
| Net interest margin | 4.6534% | 145 |
| Noninterest income to average assets | 0.2358% | 3,728 |
| Noninterest expense to average assets | 2.3429% | 2,363 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.3123% | 149 |
| Return on assets (ROA) | 2.2029% | 161 |
| Pretax return on assets | 2.2176% | 252 |
| Return on Equity (ROE) | 23.6855% | 110 |
| Retained earnings to average equity (ytd only) | 7.8424% | 1,629 |
| Net charge-offs to loans | 0.2072% | 294 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 16.6316% | 1,334 |
| Efficiency ratio | 50.1577% | 4,307 |
| Assets per employee ($millions) | 5.3961% | 3,393 |
| Cash dividends to net income (ytd only)* | 66.8896% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 2,327 |
| Loan loss allowance to noncurrent loans | 62.7876% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.3695% | 280 |
| Noncurrent loans to loans | 2.0817% | 340 |
| Net loans and leases to total assets | 64.9284% | 1,509 |
| Net loans and leases to deposits | 77.1939% | 1,344 |
| Net loans and leases to core deposits | 86.5172% | 1,102 |
| Total domestic deposits to total assets | 84.1107% | 3,744 |
| Equity capital to assets | 8.7823% | 2,897 |
| Core capital (leverage) ratio | 9.9644% | 2,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,292,500 | 4,494 |
| Average earning assets | $51,747,000 | 4,466 |
| Average equity | $5,049,500 | 4,559 |
| Average total loans | $36,688,000 | 4,216 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0905% | 1,175 |
| Cost of funding earning assets | 0.5370% | 762 |
| Net interest margin | 3.5535% | 1,593 |
| Noninterest income to average assets | 0.2861% | 3,678 |
| Noninterest expense to average assets | 2.4036% | 2,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0921% | 2,326 |
| Return on assets (ROA) | 1.1694% | 2,083 |
| Pretax return on assets | 1.3010% | 2,357 |
| Return on Equity (ROE) | 11.6129% | 1,943 |
| Retained earnings to average equity (ytd only) | 4.1867% | 3,147 |
| Net charge-offs to loans | 0.1286% | 711 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 14.1556% | 2,044 |
| Efficiency ratio | 66.4207% | 2,207 |
| Assets per employee ($millions) | 5.4624% | 3,294 |
| Cash dividends to net income (ytd only)* | 63.9478% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 2,474 |
| Loan loss allowance to noncurrent loans | 60.5263% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 1.4609% | 291 |
| Noncurrent loans to loans | 2.1069% | 363 |
| Net loans and leases to total assets | 68.4553% | 1,215 |
| Net loans and leases to deposits | 88.3327% | 633 |
| Net loans and leases to core deposits | 96.0050% | 690 |
| Total domestic deposits to total assets | 77.4971% | 4,434 |
| Equity capital to assets | 9.8125% | 2,835 |
| Core capital (leverage) ratio | 9.9896% | 2,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,422,000 | 4,538 |
| Average earning assets | $49,163,200 | 4,515 |
| Average equity | $5,278,600 | 4,603 |
| Average total loans | $35,005,800 | 4,285 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0605% | 1,402 |
| Cost of funding earning assets | 0.5750% | 723 |
| Net interest margin | 3.4856% | 1,910 |
| Noninterest income to average assets | 0.2879% | 3,730 |
| Noninterest expense to average assets | 2.2722% | 2,828 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2698% | 1,920 |
| Return on assets (ROA) | 1.3572% | 1,719 |
| Pretax return on assets | 1.3597% | 2,466 |
| Return on Equity (ROE) | 13.3882% | 1,583 |
| Retained earnings to average equity (ytd only) | 3.4485% | 3,752 |
| Net charge-offs to loans | -0.0156% | 3,859 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1044% | 2,372 |
| Assets per employee ($millions) | 5.2067% | 3,496 |
| Cash dividends to net income (ytd only)* | 74.2424% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5354% | 1,506 |
| Loan loss allowance to noncurrent loans | 60.1130% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 1.7228% | 254 |
| Noncurrent loans to loans | 2.5542% | 285 |
| Net loans and leases to total assets | 65.5252% | 1,598 |
| Net loans and leases to deposits | 80.2489% | 1,266 |
| Net loans and leases to core deposits | 87.1777% | 1,207 |
| Total domestic deposits to total assets | 81.6525% | 3,988 |
| Equity capital to assets | 10.2522% | 2,651 |
| Core capital (leverage) ratio | 9.9688% | 2,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,871,500 | 4,606 |
| Average earning assets | $48,465,250 | 4,584 |
| Average equity | $5,258,250 | 4,671 |
| Average total loans | $34,288,250 | 4,354 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9598% | 1,653 |
| Cost of funding earning assets | 0.6019% | 740 |
| Net interest margin | 3.3580% | 2,277 |
| Noninterest income to average assets | 0.2316% | 4,017 |
| Noninterest expense to average assets | 2.3009% | 2,774 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0501% | 2,721 |
| Return on assets (ROA) | 1.1350% | 2,480 |
| Pretax return on assets | 1.1389% | 3,091 |
| Return on Equity (ROE) | 11.2392% | 2,325 |
| Retained earnings to average equity (ytd only) | -0.6117% | 4,572 |
| Net charge-offs to loans | 0.0176% | 1,597 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 790 |
| Efficiency ratio | 68.5846% | 1,808 |
| Assets per employee ($millions) | 5.7502% | 2,848 |
| Cash dividends to net income (ytd only)* | 105.4422% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5499% | 1,424 |
| Loan loss allowance to noncurrent loans | 57.8194% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.8144% | 254 |
| Noncurrent loans to loans | 2.6806% | 292 |
| Net loans and leases to total assets | 64.4381% | 1,898 |
| Net loans and leases to deposits | 79.3112% | 1,484 |
| Net loans and leases to core deposits | 87.1433% | 1,335 |
| Total domestic deposits to total assets | 81.2471% | 4,056 |
| Equity capital to assets | 10.0479% | 2,811 |
| Core capital (leverage) ratio | 9.6560% | 2,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,806,333 | 4,635 |
| Average earning assets | $48,183,667 | 4,618 |
| Average equity | $5,231,667 | 4,703 |
| Average total loans | $34,168,000 | 4,389 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0302% | 1,543 |
| Cost of funding earning assets | 0.6200% | 797 |
| Net interest margin | 3.4102% | 2,083 |
| Noninterest income to average assets | 0.2161% | 4,102 |
| Noninterest expense to average assets | 2.1453% | 3,286 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2059% | 2,119 |
| Return on assets (ROA) | 1.4045% | 1,635 |
| Pretax return on assets | 1.4122% | 2,251 |
| Return on Equity (ROE) | 13.8733% | 1,463 |
| Retained earnings to average equity (ytd only) | -0.0762% | 4,375 |
| Net charge-offs to loans | -0.0233% | 4,067 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9080% | 2,476 |
| Assets per employee ($millions) | 5.7801% | 2,817 |
| Cash dividends to net income (ytd only)* | 100.5495% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5810% | 1,343 |
| Loan loss allowance to noncurrent loans | 55.9662% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.8800% | 283 |
| Noncurrent loans to loans | 2.8248% | 293 |
| Net loans and leases to total assets | 63.4244% | 2,110 |
| Net loans and leases to deposits | 76.8804% | 1,813 |
| Net loans and leases to core deposits | 85.3661% | 1,564 |
| Total domestic deposits to total assets | 82.4975% | 3,799 |
| Equity capital to assets | 10.0613% | 2,654 |
| Core capital (leverage) ratio | 9.7026% | 2,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,833,500 | 4,654 |
| Average earning assets | $47,739,000 | 4,644 |
| Average equity | $5,247,500 | 4,723 |
| Average total loans | $34,315,500 | 4,410 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5306% | 1,236 |
| Cost of funding earning assets | 0.9452% | 730 |
| Net interest margin | 3.5854% | 2,191 |
| Noninterest income to average assets | 0.2499% | 3,992 |
| Noninterest expense to average assets | 2.3636% | 3,233 |
| Loan and lease loss provision to assets | 0.5501% | 398 |
| Net operating income to assets | 0.6589% | 3,562 |
| Return on assets (ROA) | 0.7455% | 3,401 |
| Pretax return on assets | 0.7476% | 3,769 |
| Return on Equity (ROE) | 7.2066% | 3,121 |
| Retained earnings to average equity (ytd only) | 2.8632% | 3,440 |
| Net charge-offs to loans | 0.8519% | 164 |
| Credit loss provision to net charge-offs | 92.8571% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.0442% | 3,207 |
| Efficiency ratio | 66.1218% | 2,508 |
| Assets per employee ($millions) | 5.7384% | 2,591 |
| Cash dividends to net income (ytd only)* | 60.2703% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 1,567 |
| Loan loss allowance to noncurrent loans | 40.8037% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 2.5655% | 169 |
| Noncurrent loans to loans | 3.6859% | 172 |
| Net loans and leases to total assets | 66.9539% | 1,959 |
| Net loans and leases to deposits | 84.0888% | 1,447 |
| Net loans and leases to core deposits | 93.8219% | 1,255 |
| Total domestic deposits to total assets | 79.6228% | 4,117 |
| Equity capital to assets | 10.1867% | 2,942 |
| Core capital (leverage) ratio | 9.7080% | 2,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,628,400 | 4,657 |
| Average earning assets | $46,020,400 | 4,649 |
| Average equity | $5,134,200 | 4,731 |
| Average total loans | $34,509,800 | 4,418 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5858% | 1,353 |
| Cost of funding earning assets | 1.0106% | 735 |
| Net interest margin | 3.5752% | 2,346 |
| Noninterest income to average assets | 0.2253% | 4,142 |
| Noninterest expense to average assets | 2.3016% | 3,413 |
| Loan and lease loss provision to assets | 0.7410% | 270 |
| Net operating income to assets | 0.5021% | 4,028 |
| Return on assets (ROA) | 0.5917% | 3,891 |
| Pretax return on assets | 0.5944% | 4,111 |
| Return on Equity (ROE) | 5.6964% | 3,663 |
| Retained earnings to average equity (ytd only) | -0.1307% | 4,495 |
| Net charge-offs to loans | 1.1331% | 118 |
| Credit loss provision to net charge-offs | 93.4932% | 2,676 |
| Earnings coverage of net charge-offs (x) | 1.5719% | 3,063 |
| Efficiency ratio | 64.8814% | 2,614 |
| Assets per employee ($millions) | 5.7438% | 2,505 |
| Cash dividends to net income (ytd only)* | 102.2936% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5325% | 1,297 |
| Loan loss allowance to noncurrent loans | 43.5855% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 2.6154% | 192 |
| Noncurrent loans to loans | 3.5161% | 227 |
| Net loans and leases to total assets | 65.8761% | 2,537 |
| Net loans and leases to deposits | 84.1213% | 1,900 |
| Net loans and leases to core deposits | 98.0310% | 1,303 |
| Total domestic deposits to total assets | 78.3108% | 4,151 |
| Equity capital to assets | 9.8812% | 3,354 |
| Core capital (leverage) ratio | 10.0186% | 2,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,124,000 | 4,686 |
| Average earning assets | $45,647,000 | 4,676 |
| Average equity | $5,102,500 | 4,765 |
| Average total loans | $34,360,500 | 4,453 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7236% | 1,351 |
| Cost of funding earning assets | 1.1117% | 692 |
| Net interest margin | 3.6119% | 2,448 |
| Noninterest income to average assets | 0.2983% | 3,681 |
| Noninterest expense to average assets | 2.3660% | 3,357 |
| Loan and lease loss provision to assets | 0.6423% | 461 |
| Net operating income to assets | 0.6394% | 3,612 |
| Return on assets (ROA) | 0.7707% | 3,267 |
| Pretax return on assets | 0.7749% | 3,660 |
| Return on Equity (ROE) | 7.2932% | 3,012 |
| Retained earnings to average equity (ytd only) | -0.0784% | 4,316 |
| Net charge-offs to loans | 0.1400% | 1,018 |
| Credit loss provision to net charge-offs | 645.8333% | 1,054 |
| Earnings coverage of net charge-offs (x) | 12.9167% | 2,024 |
| Efficiency ratio | 64.8127% | 2,690 |
| Assets per employee ($millions) | 5.6088% | 2,535 |
| Cash dividends to net income (ytd only)* | 101.0753% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9665% | 463 |
| Loan loss allowance to noncurrent loans | 52.3480% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 3.0785% | 150 |
| Noncurrent loans to loans | 3.7565% | 194 |
| Net loans and leases to total assets | 67.1566% | 2,479 |
| Net loans and leases to deposits | 84.7415% | 1,919 |
| Net loans and leases to core deposits | 100.3968% | 1,230 |
| Total domestic deposits to total assets | 79.2488% | 3,991 |
| Equity capital to assets | 10.1626% | 3,054 |
| Core capital (leverage) ratio | 10.2495% | 2,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,267,333 | 4,713 |
| Average earning assets | $44,796,667 | 4,704 |
| Average equity | $5,100,667 | 4,791 |
| Average total loans | $34,286,000 | 4,470 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8727% | 1,266 |
| Cost of funding earning assets | 1.1862% | 810 |
| Net interest margin | 3.6864% | 2,370 |
| Noninterest income to average assets | 0.3055% | 3,686 |
| Noninterest expense to average assets | 2.3336% | 3,692 |
| Loan and lease loss provision to assets | 0.6364% | 427 |
| Net operating income to assets | 0.7553% | 3,078 |
| Return on assets (ROA) | 0.7553% | 3,152 |
| Pretax return on assets | 0.7637% | 3,511 |
| Return on Equity (ROE) | 7.0342% | 2,935 |
| Retained earnings to average equity (ytd only) | 5.6115% | 2,027 |
| Net charge-offs to loans | 0.1406% | 894 |
| Credit loss provision to net charge-offs | 625.0000% | 771 |
| Earnings coverage of net charge-offs (x) | 13.7500% | 1,635 |
| Efficiency ratio | 62.5000% | 3,438 |
| Assets per employee ($millions) | 5.3999% | 2,228 |
| Cash dividends to net income (ytd only)* | 20.2247% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8390% | 673 |
| Loan loss allowance to noncurrent loans | 28.2679% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 5.2676% | 57 |
| Noncurrent loans to loans | 6.5056% | 66 |
| Net loans and leases to total assets | 67.2174% | 2,668 |
| Net loans and leases to deposits | 85.9884% | 2,002 |
| Net loans and leases to core deposits | 102.8299% | 1,256 |
| Total domestic deposits to total assets | 78.1703% | 4,191 |
| Equity capital to assets | 10.4899% | 3,330 |
| Core capital (leverage) ratio | 10.9143% | 2,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8538% | 1,955 |
| Memoranda: | ||
| Average total assets | $47,136,500 | 4,755 |
| Average earning assets | $43,836,500 | 4,741 |
| Average equity | $5,061,000 | 4,830 |
| Average total loans | $34,139,000 | 4,497 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3303% | 776 |
| Cost of funding earning assets | 1.3004% | 768 |
| Net interest margin | 4.0299% | 1,752 |
| Noninterest income to average assets | 0.3225% | 3,762 |
| Noninterest expense to average assets | 2.5585% | 3,294 |
| Loan and lease loss provision to assets | 0.8810% | 116 |
| Net operating income to assets | 0.6126% | 4,122 |
| Return on assets (ROA) | 0.6126% | 4,184 |
| Pretax return on assets | 0.6126% | 4,394 |
| Return on Equity (ROE) | 5.7488% | 3,990 |
| Retained earnings to average equity (ytd only) | 2.1736% | 3,909 |
| Net charge-offs to loans | 0.9173% | 175 |
| Credit loss provision to net charge-offs | 127.1875% | 2,002 |
| Earnings coverage of net charge-offs (x) | 2.1563% | 3,449 |
| Efficiency ratio | 63.1410% | 3,201 |
| Assets per employee ($millions) | 5.0749% | 2,484 |
| Cash dividends to net income (ytd only)* | 62.1908% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5686% | 1,052 |
| Loan loss allowance to noncurrent loans | 35.5800% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 4.2431% | 86 |
| Noncurrent loans to loans | 4.4087% | 133 |
| Net loans and leases to total assets | 75.4258% | 1,518 |
| Net loans and leases to deposits | 90.2801% | 1,554 |
| Net loans and leases to core deposits | 109.4972% | 883 |
| Total domestic deposits to total assets | 83.5464% | 3,004 |
| Equity capital to assets | 10.9997% | 2,996 |
| Core capital (leverage) ratio | 10.6322% | 2,823 |
| Tier 1 risk-based capital ratio | 13.2385% | 3,658 |
| Total risk-based capital ratio | 14.4900% | 3,549 |
| Memoranda: | ||
| Average total assets | $46,199,400 | 4,812 |
| Average earning assets | $42,755,200 | 4,803 |
| Average equity | $4,922,800 | 4,890 |
| Average total loans | $34,883,200 | 4,540 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2893% | 885 |
| Cost of funding earning assets | 1.3005% | 780 |
| Net interest margin | 3.9887% | 1,980 |
| Noninterest income to average assets | 0.3453% | 3,661 |
| Noninterest expense to average assets | 2.5181% | 3,387 |
| Loan and lease loss provision to assets | 0.6101% | 187 |
| Net operating income to assets | 0.9065% | 3,322 |
| Return on assets (ROA) | 0.9065% | 3,397 |
| Pretax return on assets | 0.9065% | 3,858 |
| Return on Equity (ROE) | 8.5756% | 3,072 |
| Retained earnings to average equity (ytd only) | 3.7842% | 3,503 |
| Net charge-offs to loans | 0.0842% | 1,634 |
| Credit loss provision to net charge-offs | 963.6364% | 370 |
| Earnings coverage of net charge-offs (x) | 23.9567% | 1,815 |
| Efficiency ratio | 62.4108% | 3,261 |
| Assets per employee ($millions) | 5.0876% | 2,459 |
| Cash dividends to net income (ytd only)* | 55.8728% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8478% | 612 |
| Loan loss allowance to noncurrent loans | 32.9793% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 5.4250% | 62 |
| Noncurrent loans to loans | 5.6028% | 83 |
| Net loans and leases to total assets | 75.6399% | 1,541 |
| Net loans and leases to deposits | 91.6389% | 1,484 |
| Net loans and leases to core deposits | 111.1346% | 891 |
| Total domestic deposits to total assets | 82.5413% | 3,305 |
| Equity capital to assets | 11.0204% | 3,088 |
| Core capital (leverage) ratio | 10.6867% | 2,942 |
| Tier 1 risk-based capital ratio | 13.4385% | 3,603 |
| Total risk-based capital ratio | 14.6924% | 3,509 |
| Memoranda: | ||
| Average total assets | $46,330,750 | 4,881 |
| Average earning assets | $42,853,000 | 4,869 |
| Average equity | $4,897,500 | 4,961 |
| Average total loans | $34,854,250 | 4,598 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2530% | 890 |
| Cost of funding earning assets | 1.2655% | 831 |
| Net interest margin | 3.9874% | 1,960 |
| Noninterest income to average assets | 0.3139% | 3,832 |
| Noninterest expense to average assets | 2.6187% | 3,152 |
| Loan and lease loss provision to assets | 0.5461% | 204 |
| Net operating income to assets | 0.8342% | 3,526 |
| Return on assets (ROA) | 0.8342% | 3,585 |
| Pretax return on assets | 0.8342% | 4,011 |
| Return on Equity (ROE) | 8.0033% | 3,293 |
| Retained earnings to average equity (ytd only) | 1.5677% | 4,265 |
| Net charge-offs to loans | 0.0576% | 1,819 |
| Credit loss provision to net charge-offs | 1,270.0000% | 283 |
| Earnings coverage of net charge-offs (x) | 32.1000% | 1,412 |
| Efficiency ratio | 65.4839% | 2,894 |
| Assets per employee ($millions) | 5.1760% | 2,280 |
| Cash dividends to net income (ytd only)* | 80.4124% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6494% | 925 |
| Loan loss allowance to noncurrent loans | 20.9631% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 7.0174% | 39 |
| Noncurrent loans to loans | 7.8683% | 42 |
| Net loans and leases to total assets | 74.1113% | 1,871 |
| Net loans and leases to deposits | 90.3060% | 1,705 |
| Net loans and leases to core deposits | 108.9670% | 1,038 |
| Total domestic deposits to total assets | 82.0668% | 3,491 |
| Equity capital to assets | 10.5659% | 3,458 |
| Core capital (leverage) ratio | 10.5498% | 3,035 |
| Tier 1 risk-based capital ratio | 12.6490% | 4,047 |
| Total risk-based capital ratio | 13.9007% | 3,937 |
| Memoranda: | ||
| Average total assets | $46,511,670 | 4,919 |
| Average earning assets | $42,985,330 | 4,910 |
| Average equity | $4,848,000 | 5,005 |
| Average total loans | $34,710,330 | 4,632 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9594% | 1,444 |
| Cost of funding earning assets | 1.2328% | 817 |
| Net interest margin | 3.7265% | 2,795 |
| Noninterest income to average assets | 0.2926% | 3,917 |
| Noninterest expense to average assets | 2.5045% | 3,495 |
| Loan and lease loss provision to assets | 0.7488% | 138 |
| Net operating income to assets | 0.4734% | 4,589 |
| Return on assets (ROA) | 0.4734% | 4,612 |
| Pretax return on assets | 0.4734% | 4,742 |
| Return on Equity (ROE) | 4.5729% | 4,452 |
| Retained earnings to average equity (ytd only) | 4.5729% | 3,097 |
| Net charge-offs to loans | 0.1738% | 787 |
| Credit loss provision to net charge-offs | 580.0000% | 555 |
| Earnings coverage of net charge-offs (x) | 9.4667% | 2,027 |
| Efficiency ratio | 67.2055% | 2,758 |
| Assets per employee ($millions) | 4.5163% | 3,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5748% | 1,116 |
| Loan loss allowance to noncurrent loans | 22.7524% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 6.3193% | 41 |
| Noncurrent loans to loans | 6.9217% | 56 |
| Net loans and leases to total assets | 73.8968% | 1,828 |
| Net loans and leases to deposits | 87.3573% | 1,952 |
| Net loans and leases to core deposits | 105.4005% | 1,211 |
| Total domestic deposits to total assets | 84.5914% | 2,821 |
| Equity capital to assets | 10.8053% | 3,044 |
| Core capital (leverage) ratio | 10.6184% | 2,925 |
| Tier 1 risk-based capital ratio | 13.2165% | 3,763 |
| Total risk-based capital ratio | 14.4679% | 3,666 |
| Memoranda: | ||
| Average total assets | $46,475,500 | 4,969 |
| Average earning assets | $42,828,000 | 4,962 |
| Average equity | $4,811,000 | 5,051 |
| Average total loans | $34,514,000 | 4,689 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7843% | 1,581 |
| Cost of funding earning assets | 0.9550% | 910 |
| Net interest margin | 3.8293% | 2,563 |
| Noninterest income to average assets | 0.3664% | 3,649 |
| Noninterest expense to average assets | 2.5736% | 3,407 |
| Loan and lease loss provision to assets | 0.7023% | 146 |
| Net operating income to assets | 0.6216% | 4,360 |
| Return on assets (ROA) | 0.6216% | 4,370 |
| Pretax return on assets | 0.6238% | 4,592 |
| Return on Equity (ROE) | 6.0228% | 4,169 |
| Retained earnings to average equity (ytd only) | 1.1834% | 4,655 |
| Net charge-offs to loans | 1.1316% | 122 |
| Credit loss provision to net charge-offs | 83.8542% | 2,807 |
| Earnings coverage of net charge-offs (x) | 1.5833% | 3,609 |
| Efficiency ratio | 65.9955% | 2,876 |
| Assets per employee ($millions) | 4.7788% | 2,771 |
| Cash dividends to net income (ytd only)* | 80.3509% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 1,969 |
| Loan loss allowance to noncurrent loans | 21.1732% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 5.9952% | 51 |
| Noncurrent loans to loans | 6.2130% | 65 |
| Net loans and leases to total assets | 72.5245% | 2,176 |
| Net loans and leases to deposits | 89.4008% | 1,878 |
| Net loans and leases to core deposits | 107.5233% | 1,156 |
| Total domestic deposits to total assets | 81.1229% | 3,861 |
| Equity capital to assets | 9.9230% | 3,747 |
| Core capital (leverage) ratio | 10.4398% | 3,093 |
| Tier 1 risk-based capital ratio | 12.5055% | 4,135 |
| Total risk-based capital ratio | 13.6962% | 4,045 |
| Memoranda: | ||
| Average total assets | $45,850,600 | 5,020 |
| Average earning assets | $42,305,400 | 5,007 |
| Average equity | $4,732,000 | 5,086 |
| Average total loans | $33,933,000 | 4,720 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8637% | 1,265 |
| Cost of funding earning assets | 0.9118% | 875 |
| Net interest margin | 3.9520% | 2,120 |
| Noninterest income to average assets | 0.3262% | 3,959 |
| Noninterest expense to average assets | 2.5686% | 3,387 |
| Loan and lease loss provision to assets | 0.7112% | 139 |
| Net operating income to assets | 0.6995% | 4,222 |
| Return on assets (ROA) | 0.6995% | 4,232 |
| Pretax return on assets | 0.7024% | 4,528 |
| Return on Equity (ROE) | 6.7096% | 4,030 |
| Retained earnings to average equity (ytd only) | 0.2537% | 4,994 |
| Net charge-offs to loans | 0.4360% | 364 |
| Credit loss provision to net charge-offs | 220.0000% | 1,290 |
| Earnings coverage of net charge-offs (x) | 4.3728% | 3,068 |
| Efficiency ratio | 64.5018% | 3,101 |
| Assets per employee ($millions) | 4.5956% | 2,982 |
| Cash dividends to net income (ytd only)* | 96.2184% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8928% | 605 |
| Loan loss allowance to noncurrent loans | 34.2738% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 5.6728% | 61 |
| Noncurrent loans to loans | 5.5227% | 102 |
| Net loans and leases to total assets | 73.9860% | 1,985 |
| Net loans and leases to deposits | 92.1536% | 1,601 |
| Net loans and leases to core deposits | 114.7907% | 772 |
| Total domestic deposits to total assets | 80.2855% | 4,042 |
| Equity capital to assets | 10.1314% | 3,509 |
| Core capital (leverage) ratio | 10.4065% | 3,183 |
| Tier 1 risk-based capital ratio | 12.6466% | 4,124 |
| Total risk-based capital ratio | 13.9005% | 4,010 |
| Memoranda: | ||
| Average total assets | $45,366,250 | 5,086 |
| Average earning assets | $41,969,500 | 5,076 |
| Average equity | $4,729,500 | 5,150 |
| Average total loans | $33,636,250 | 4,779 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9616% | 893 |
| Cost of funding earning assets | 0.8197% | 1,045 |
| Net interest margin | 4.1418% | 1,440 |
| Noninterest income to average assets | 0.3896% | 3,552 |
| Noninterest expense to average assets | 2.6699% | 3,109 |
| Loan and lease loss provision to assets | 0.4738% | 245 |
| Net operating income to assets | 1.0671% | 2,722 |
| Return on assets (ROA) | 1.0671% | 2,726 |
| Pretax return on assets | 1.0715% | 3,427 |
| Return on Equity (ROE) | 10.1388% | 2,504 |
| Retained earnings to average equity (ytd only) | 2.2297% | 4,386 |
| Net charge-offs to loans | 0.2222% | 719 |
| Credit loss provision to net charge-offs | 289.1892% | 1,030 |
| Earnings coverage of net charge-offs (x) | 9.4324% | 2,396 |
| Efficiency ratio | 63.3403% | 3,411 |
| Assets per employee ($millions) | 4.5754% | 3,003 |
| Cash dividends to net income (ytd only)* | 78.0083% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7358% | 845 |
| Loan loss allowance to noncurrent loans | 35.3397% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 5.2280% | 84 |
| Noncurrent loans to loans | 4.9119% | 140 |
| Net loans and leases to total assets | 73.3684% | 2,061 |
| Net loans and leases to deposits | 94.7768% | 1,273 |
| Net loans and leases to core deposits | 118.2090% | 620 |
| Total domestic deposits to total assets | 77.4118% | 4,674 |
| Equity capital to assets | 10.3248% | 3,316 |
| Core capital (leverage) ratio | 10.9114% | 2,594 |
| Tier 1 risk-based capital ratio | 12.9825% | 3,904 |
| Total risk-based capital ratio | 14.2346% | 3,824 |
| Memoranda: | ||
| Average total assets | $45,169,670 | 5,151 |
| Average earning assets | $41,720,670 | 5,135 |
| Average equity | $4,754,000 | 5,203 |
| Average total loans | $33,296,000 | 4,831 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9141% | 846 |
| Cost of funding earning assets | 0.8013% | 948 |
| Net interest margin | 4.1128% | 1,409 |
| Noninterest income to average assets | 0.3565% | 3,760 |
| Noninterest expense to average assets | 2.5759% | 3,412 |
| Loan and lease loss provision to assets | 0.4011% | 281 |
| Net operating income to assets | 1.1676% | 2,145 |
| Return on assets (ROA) | 1.1676% | 2,157 |
| Pretax return on assets | 1.1765% | 2,858 |
| Return on Equity (ROE) | 10.9876% | 1,974 |
| Retained earnings to average equity (ytd only) | 10.2328% | 1,093 |
| Net charge-offs to loans | 0.1582% | 892 |
| Credit loss provision to net charge-offs | 346.1538% | 748 |
| Earnings coverage of net charge-offs (x) | 13.6154% | 1,745 |
| Efficiency ratio | 62.0172% | 3,777 |
| Assets per employee ($millions) | 4.3642% | 3,375 |
| Cash dividends to net income (ytd only)* | 6.8702% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 894 |
| Loan loss allowance to noncurrent loans | 44.2675% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 4.5140% | 119 |
| Noncurrent loans to loans | 3.9109% | 259 |
| Net loans and leases to total assets | 72.3134% | 2,119 |
| Net loans and leases to deposits | 86.8987% | 2,062 |
| Net loans and leases to core deposits | 108.6294% | 1,080 |
| Total domestic deposits to total assets | 83.2157% | 3,599 |
| Equity capital to assets | 10.9848% | 2,599 |
| Core capital (leverage) ratio | 10.9666% | 2,476 |
| Tier 1 risk-based capital ratio | 13.8572% | 3,459 |
| Total risk-based capital ratio | 15.1463% | 3,351 |
| Memoranda: | ||
| Average total assets | $44,877,500 | 5,209 |
| Average earning assets | $41,431,500 | 5,201 |
| Average equity | $4,769,000 | 5,254 |
| Average total loans | $32,863,000 | 4,896 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7605% | 1,056 |
| Cost of funding earning assets | 0.7527% | 812 |
| Net interest margin | 4.0078% | 1,725 |
| Noninterest income to average assets | 0.2978% | 4,314 |
| Noninterest expense to average assets | 2.6149% | 3,396 |
| Loan and lease loss provision to assets | 0.5194% | 252 |
| Net operating income to assets | 0.8687% | 2,870 |
| Return on assets (ROA) | 0.8843% | 2,819 |
| Pretax return on assets | 0.8866% | 3,955 |
| Return on Equity (ROE) | 8.2889% | 2,651 |
| Retained earnings to average equity (ytd only) | 1.1961% | 4,545 |
| Net charge-offs to loans | 0.6363% | 350 |
| Credit loss provision to net charge-offs | 113.1707% | 2,306 |
| Earnings coverage of net charge-offs (x) | 3.0293% | 3,659 |
| Efficiency ratio | 65.2879% | 3,386 |
| Assets per employee ($millions) | 4.6113% | 3,011 |
| Cash dividends to net income (ytd only)* | 85.5696% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5590% | 1,247 |
| Loan loss allowance to noncurrent loans | 49.9048% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 3.8254% | 158 |
| Noncurrent loans to loans | 3.1240% | 348 |
| Net loans and leases to total assets | 71.7520% | 2,273 |
| Net loans and leases to deposits | 87.3538% | 2,092 |
| Net loans and leases to core deposits | 109.1944% | 1,054 |
| Total domestic deposits to total assets | 82.1395% | 3,837 |
| Equity capital to assets | 10.2878% | 3,396 |
| Core capital (leverage) ratio | 10.3903% | 2,976 |
| Tier 1 risk-based capital ratio | 12.9880% | 3,911 |
| Total risk-based capital ratio | 14.2379% | 3,808 |
| Memoranda: | ||
| Average total assets | $44,666,800 | 5,259 |
| Average earning assets | $41,319,400 | 5,242 |
| Average equity | $4,765,400 | 5,310 |
| Average total loans | $32,220,000 | 4,963 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7434% | 1,049 |
| Cost of funding earning assets | 0.7315% | 839 |
| Net interest margin | 4.0119% | 1,662 |
| Noninterest income to average assets | 0.3641% | 3,918 |
| Noninterest expense to average assets | 2.5519% | 3,560 |
| Loan and lease loss provision to assets | 0.4273% | 312 |
| Net operating income to assets | 1.0954% | 2,111 |
| Return on assets (ROA) | 1.1165% | 2,077 |
| Pretax return on assets | 1.1195% | 3,232 |
| Return on Equity (ROE) | 10.3684% | 1,959 |
| Retained earnings to average equity (ytd only) | 3.7170% | 3,711 |
| Net charge-offs to loans | 0.8827% | 207 |
| Credit loss provision to net charge-offs | 67.2986% | 2,721 |
| Earnings coverage of net charge-offs (x) | 2.4028% | 3,466 |
| Efficiency ratio | 62.5830% | 3,799 |
| Assets per employee ($millions) | 4.5634% | 3,026 |
| Cash dividends to net income (ytd only)* | 64.1524% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 2,391 |
| Loan loss allowance to noncurrent loans | 51.9417% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 3.4075% | 239 |
| Noncurrent loans to loans | 2.4885% | 619 |
| Net loans and leases to total assets | 71.6220% | 2,313 |
| Net loans and leases to deposits | 91.1433% | 1,670 |
| Net loans and leases to core deposits | 114.4999% | 810 |
| Total domestic deposits to total assets | 78.5818% | 4,613 |
| Equity capital to assets | 10.7398% | 3,126 |
| Core capital (leverage) ratio | 10.7739% | 2,669 |
| Tier 1 risk-based capital ratio | 13.1274% | 3,923 |
| Total risk-based capital ratio | 14.2769% | 3,901 |
| Memoranda: | ||
| Average total assets | $44,305,250 | 5,323 |
| Average earning assets | $41,010,000 | 5,307 |
| Average equity | $4,770,750 | 5,370 |
| Average total loans | $31,872,250 | 5,018 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6824% | 1,093 |
| Cost of funding earning assets | 0.6992% | 899 |
| Net interest margin | 3.9833% | 1,661 |
| Noninterest income to average assets | 0.3648% | 3,945 |
| Noninterest expense to average assets | 2.5899% | 3,467 |
| Loan and lease loss provision to assets | 0.5107% | 227 |
| Net operating income to assets | 0.9484% | 2,671 |
| Return on assets (ROA) | 0.9758% | 2,591 |
| Pretax return on assets | 0.9803% | 3,635 |
| Return on Equity (ROE) | 9.0537% | 2,488 |
| Retained earnings to average equity (ytd only) | 0.6346% | 4,940 |
| Net charge-offs to loans | 0.1208% | 1,444 |
| Credit loss provision to net charge-offs | 589.4737% | 582 |
| Earnings coverage of net charge-offs (x) | 16.8947% | 1,957 |
| Efficiency ratio | 63.8920% | 3,686 |
| Assets per employee ($millions) | 4.4433% | 3,208 |
| Cash dividends to net income (ytd only)* | 92.9907% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8375% | 817 |
| Loan loss allowance to noncurrent loans | 61.9098% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 3.7900% | 190 |
| Noncurrent loans to loans | 2.9680% | 440 |
| Net loans and leases to total assets | 70.9360% | 2,386 |
| Net loans and leases to deposits | 91.3462% | 1,568 |
| Net loans and leases to core deposits | 107.0946% | 1,155 |
| Total domestic deposits to total assets | 77.6562% | 4,873 |
| Equity capital to assets | 10.7893% | 3,042 |
| Core capital (leverage) ratio | 10.6517% | 2,758 |
| Tier 1 risk-based capital ratio | 13.4763% | 3,710 |
| Total risk-based capital ratio | 14.7310% | 3,626 |
| Memoranda: | ||
| Average total assets | $43,862,330 | 5,373 |
| Average earning assets | $40,620,000 | 5,357 |
| Average equity | $4,727,330 | 5,415 |
| Average total loans | $31,459,000 | 5,064 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5293% | 1,305 |
| Cost of funding earning assets | 0.6640% | 1,006 |
| Net interest margin | 3.8653% | 1,906 |
| Noninterest income to average assets | 0.3580% | 3,975 |
| Noninterest expense to average assets | 2.5334% | 3,708 |
| Loan and lease loss provision to assets | 0.3396% | 361 |
| Net operating income to assets | 1.0648% | 2,010 |
| Return on assets (ROA) | 1.0923% | 1,945 |
| Pretax return on assets | 1.0923% | 3,018 |
| Return on Equity (ROE) | 10.1406% | 1,909 |
| Retained earnings to average equity (ytd only) | 1.6191% | 4,458 |
| Net charge-offs to loans | -0.0514% | 5,196 |
| Credit loss provision to net charge-offs | -925.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3357% | 3,779 |
| Assets per employee ($millions) | 4.3208% | 3,468 |
| Cash dividends to net income (ytd only)* | 84.0336% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7380% | 1,078 |
| Loan loss allowance to noncurrent loans | 37.2576% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 4.6403% | 137 |
| Noncurrent loans to loans | 4.6647% | 183 |
| Net loans and leases to total assets | 70.3990% | 2,308 |
| Net loans and leases to deposits | 85.9533% | 2,036 |
| Net loans and leases to core deposits | 100.3034% | 1,484 |
| Total domestic deposits to total assets | 81.9038% | 4,192 |
| Equity capital to assets | 10.9239% | 2,722 |
| Core capital (leverage) ratio | 11.1399% | 2,243 |
| Tier 1 risk-based capital ratio | 13.8148% | 3,594 |
| Total risk-based capital ratio | 15.0680% | 3,501 |
| Memoranda: | ||
| Average total assets | $43,577,000 | 5,430 |
| Average earning assets | $40,359,000 | 5,422 |
| Average equity | $4,694,000 | 5,475 |
| Average total loans | $31,134,000 | 5,122 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5855% | 1,317 |
| Cost of funding earning assets | 0.6597% | 1,006 |
| Net interest margin | 3.9258% | 1,876 |
| Noninterest income to average assets | 0.4364% | 3,643 |
| Noninterest expense to average assets | 2.7162% | 3,297 |
| Loan and lease loss provision to assets | 0.6036% | 215 |
| Net operating income to assets | 0.7893% | 3,352 |
| Return on assets (ROA) | 0.8195% | 3,313 |
| Pretax return on assets | 0.8218% | 4,122 |
| Return on Equity (ROE) | 7.4020% | 3,267 |
| Retained earnings to average equity (ytd only) | 2.5163% | 4,085 |
| Net charge-offs to loans | 0.5654% | 412 |
| Credit loss provision to net charge-offs | 152.9412% | 1,788 |
| Earnings coverage of net charge-offs (x) | 3.5353% | 3,646 |
| Efficiency ratio | 66.0644% | 3,579 |
| Assets per employee ($millions) | 4.3946% | 3,284 |
| Cash dividends to net income (ytd only)* | 66.0057% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5873% | 1,404 |
| Loan loss allowance to noncurrent loans | 32.4837% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 4.3508% | 165 |
| Noncurrent loans to loans | 4.8863% | 167 |
| Net loans and leases to total assets | 70.1201% | 2,447 |
| Net loans and leases to deposits | 89.0118% | 1,801 |
| Net loans and leases to core deposits | 103.1430% | 1,349 |
| Total domestic deposits to total assets | 78.7762% | 4,845 |
| Equity capital to assets | 10.6221% | 3,015 |
| Core capital (leverage) ratio | 10.8127% | 2,523 |
| Tier 1 risk-based capital ratio | 13.6806% | 3,659 |
| Total risk-based capital ratio | 14.9324% | 3,566 |
| Memoranda: | ||
| Average total assets | $43,075,000 | 5,483 |
| Average earning assets | $40,322,800 | 5,462 |
| Average equity | $4,769,000 | 5,512 |
| Average total loans | $30,067,000 | 5,184 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5560% | 1,394 |
| Cost of funding earning assets | 0.6537% | 1,041 |
| Net interest margin | 3.9023% | 1,973 |
| Noninterest income to average assets | 0.4418% | 3,617 |
| Noninterest expense to average assets | 2.6444% | 3,520 |
| Loan and lease loss provision to assets | 0.3889% | 384 |
| Net operating income to assets | 1.0640% | 2,150 |
| Return on assets (ROA) | 1.1044% | 2,084 |
| Pretax return on assets | 1.1075% | 3,202 |
| Return on Equity (ROE) | 9.8727% | 2,108 |
| Retained earnings to average equity (ytd only) | 3.3928% | 3,866 |
| Net charge-offs to loans | 0.5153% | 411 |
| Credit loss provision to net charge-offs | 108.6957% | 2,237 |
| Earnings coverage of net charge-offs (x) | 4.0695% | 3,318 |
| Efficiency ratio | 64.4917% | 3,853 |
| Assets per employee ($millions) | 4.4112% | 3,225 |
| Cash dividends to net income (ytd only)* | 65.6342% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 2,470 |
| Loan loss allowance to noncurrent loans | 20.3019% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 4.6563% | 160 |
| Noncurrent loans to loans | 6.6168% | 96 |
| Net loans and leases to total assets | 69.4256% | 2,583 |
| Net loans and leases to deposits | 87.8943% | 2,031 |
| Net loans and leases to core deposits | 99.2481% | 1,708 |
| Total domestic deposits to total assets | 78.9876% | 4,728 |
| Equity capital to assets | 10.9743% | 3,036 |
| Core capital (leverage) ratio | 10.8251% | 2,654 |
| Tier 1 risk-based capital ratio | 13.7482% | 3,706 |
| Total risk-based capital ratio | 14.9533% | 3,657 |
| Memoranda: | ||
| Average total assets | $42,857,250 | 5,548 |
| Average earning assets | $40,180,750 | 5,522 |
| Average equity | $4,794,250 | 5,557 |
| Average total loans | $29,755,750 | 5,244 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4965% | 1,525 |
| Cost of funding earning assets | 0.6524% | 1,046 |
| Net interest margin | 3.8441% | 2,158 |
| Noninterest income to average assets | 0.4289% | 3,670 |
| Noninterest expense to average assets | 2.7051% | 3,377 |
| Loan and lease loss provision to assets | 0.5184% | 245 |
| Net operating income to assets | 0.8108% | 3,261 |
| Return on assets (ROA) | 0.8294% | 3,311 |
| Pretax return on assets | 0.8341% | 4,179 |
| Return on Equity (ROE) | 7.3661% | 3,335 |
| Retained earnings to average equity (ytd only) | 5.1479% | 2,631 |
| Net charge-offs to loans | 0.7161% | 291 |
| Credit loss provision to net charge-offs | 104.7619% | 2,033 |
| Earnings coverage of net charge-offs (x) | 2.6952% | 3,230 |
| Efficiency ratio | 66.9778% | 3,542 |
| Assets per employee ($millions) | 4.3219% | 3,331 |
| Cash dividends to net income (ytd only)* | 30.1136% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 2,562 |
| Loan loss allowance to noncurrent loans | 26.5806% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 3.6651% | 274 |
| Noncurrent loans to loans | 5.0513% | 169 |
| Net loans and leases to total assets | 70.0456% | 2,476 |
| Net loans and leases to deposits | 90.2137% | 1,731 |
| Net loans and leases to core deposits | 102.3566% | 1,444 |
| Total domestic deposits to total assets | 77.6441% | 5,063 |
| Equity capital to assets | 11.2867% | 2,754 |
| Core capital (leverage) ratio | 11.0103% | 2,420 |
| Tier 1 risk-based capital ratio | 13.9986% | 3,605 |
| Total risk-based capital ratio | 15.2110% | 3,549 |
| Memoranda: | ||
| Average total assets | $42,439,000 | 5,618 |
| Average earning assets | $39,853,330 | 5,587 |
| Average equity | $4,778,670 | 5,617 |
| Average total loans | $29,327,000 | 5,315 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4246% | 1,730 |
| Cost of funding earning assets | 0.6510% | 1,049 |
| Net interest margin | 3.7736% | 2,390 |
| Noninterest income to average assets | 0.3995% | 3,837 |
| Noninterest expense to average assets | 2.6065% | 3,732 |
| Loan and lease loss provision to assets | 0.9513% | 100 |
| Net operating income to assets | 0.3622% | 5,103 |
| Return on assets (ROA) | 0.3995% | 5,074 |
| Pretax return on assets | 0.4090% | 5,296 |
| Return on Equity (ROE) | 3.5525% | 5,043 |
| Retained earnings to average equity (ytd only) | 3.5525% | 3,717 |
| Net charge-offs to loans | 1.5638% | 109 |
| Credit loss provision to net charge-offs | 89.2857% | 1,767 |
| Earnings coverage of net charge-offs (x) | 1.2411% | 2,846 |
| Efficiency ratio | 66.3438% | 3,745 |
| Assets per employee ($millions) | 4.0542% | 3,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3951% | 2,450 |
| Loan loss allowance to noncurrent loans | 29.6547% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 3.3471% | 352 |
| Noncurrent loans to loans | 4.7044% | 225 |
| Net loans and leases to total assets | 68.8644% | 2,520 |
| Net loans and leases to deposits | 83.3254% | 2,386 |
| Net loans and leases to core deposits | 95.3583% | 1,858 |
| Total domestic deposits to total assets | 82.6452% | 4,021 |
| Equity capital to assets | 11.7853% | 2,171 |
| Core capital (leverage) ratio | 11.1302% | 2,282 |
| Tier 1 risk-based capital ratio | 15.0069% | 3,154 |
| Total risk-based capital ratio | 16.2553% | 3,090 |
| Memoranda: | ||
| Average total assets | $42,049,000 | 5,673 |
| Average earning assets | $39,325,500 | 5,651 |
| Average equity | $4,729,000 | 5,673 |
| Average total loans | $28,648,000 | 5,391 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5026% | 1,588 |
| Cost of funding earning assets | 0.6759% | 933 |
| Net interest margin | 3.8267% | 2,281 |
| Noninterest income to average assets | 0.4695% | 3,537 |
| Noninterest expense to average assets | 2.7495% | 3,412 |
| Loan and lease loss provision to assets | 0.4791% | 244 |
| Net operating income to assets | 0.8234% | 3,229 |
| Return on assets (ROA) | 0.8836% | 3,047 |
| Pretax return on assets | 0.8860% | 3,903 |
| Return on Equity (ROE) | 7.7335% | 3,114 |
| Retained earnings to average equity (ytd only) | -0.5268% | 5,600 |
| Net charge-offs to loans | 0.4691% | 581 |
| Credit loss provision to net charge-offs | 156.6929% | 1,707 |
| Earnings coverage of net charge-offs (x) | 4.2677% | 3,585 |
| Efficiency ratio | 67.8147% | 3,600 |
| Assets per employee ($millions) | 4.3556% | 3,298 |
| Cash dividends to net income (ytd only)* | 106.8120% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 2,401 |
| Loan loss allowance to noncurrent loans | 33.5255% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 2.8446% | 482 |
| Noncurrent loans to loans | 4.1888% | 276 |
| Net loans and leases to total assets | 65.6052% | 3,042 |
| Net loans and leases to deposits | 81.2667% | 2,681 |
| Net loans and leases to core deposits | 92.3681% | 2,183 |
| Total domestic deposits to total assets | 80.7283% | 4,559 |
| Equity capital to assets | 10.7448% | 3,080 |
| Core capital (leverage) ratio | 10.9496% | 2,450 |
| Tier 1 risk-based capital ratio | 14.3976% | 3,495 |
| Total risk-based capital ratio | 15.6466% | 3,413 |
| Memoranda: | ||
| Average total assets | $41,534,200 | 5,731 |
| Average earning assets | $38,911,000 | 5,706 |
| Average equity | $4,745,600 | 5,711 |
| Average total loans | $27,073,200 | 5,477 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5065% | 1,572 |
| Cost of funding earning assets | 0.6848% | 908 |
| Net interest margin | 3.8217% | 2,302 |
| Noninterest income to average assets | 0.4712% | 3,560 |
| Noninterest expense to average assets | 2.6940% | 3,584 |
| Loan and lease loss provision to assets | 0.5427% | 182 |
| Net operating income to assets | 0.8222% | 3,321 |
| Return on assets (ROA) | 0.8937% | 3,082 |
| Pretax return on assets | 0.8969% | 3,991 |
| Return on Equity (ROE) | 7.6997% | 3,231 |
| Retained earnings to average equity (ytd only) | 2.3238% | 4,726 |
| Net charge-offs to loans | 0.0752% | 2,492 |
| Credit loss provision to net charge-offs | 1,113.3333% | 338 |
| Earnings coverage of net charge-offs (x) | 28.0660% | 1,557 |
| Efficiency ratio | 66.3200% | 3,833 |
| Assets per employee ($millions) | 4.1713% | 3,582 |
| Cash dividends to net income (ytd only)* | 69.8167% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 1,341 |
| Loan loss allowance to noncurrent loans | 40.2147% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 3.0398% | 492 |
| Noncurrent loans to loans | 4.3804% | 259 |
| Net loans and leases to total assets | 65.1092% | 3,138 |
| Net loans and leases to deposits | 79.1346% | 2,975 |
| Net loans and leases to core deposits | 88.7607% | 2,580 |
| Total domestic deposits to total assets | 82.2765% | 4,074 |
| Equity capital to assets | 11.5671% | 2,445 |
| Core capital (leverage) ratio | 11.3573% | 2,147 |
| Tier 1 risk-based capital ratio | 15.3642% | 3,109 |
| Total risk-based capital ratio | 16.6181% | 3,039 |
| Memoranda: | ||
| Average total assets | $41,028,750 | 5,819 |
| Average earning assets | $38,550,500 | 5,789 |
| Average equity | $4,762,000 | 5,784 |
| Average total loans | $26,596,000 | 5,562 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4478% | 1,697 |
| Cost of funding earning assets | 0.6883% | 892 |
| Net interest margin | 3.7595% | 2,477 |
| Noninterest income to average assets | 0.4559% | 3,656 |
| Noninterest expense to average assets | 2.7254% | 3,511 |
| Loan and lease loss provision to assets | 0.8186% | 99 |
| Net operating income to assets | 0.4422% | 4,998 |
| Return on assets (ROA) | 0.5490% | 4,668 |
| Pretax return on assets | 0.5539% | 5,092 |
| Return on Equity (ROE) | 4.7247% | 4,742 |
| Retained earnings to average equity (ytd only) | -1.5187% | 5,776 |
| Net charge-offs to loans | 0.0457% | 2,781 |
| Credit loss provision to net charge-offs | 2,783.3333% | 152 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,072 |
| Efficiency ratio | 68.3047% | 3,633 |
| Assets per employee ($millions) | 4.1161% | 3,647 |
| Cash dividends to net income (ytd only)* | 132.1429% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8121% | 1,343 |
| Loan loss allowance to noncurrent loans | 52.4868% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 2.2959% | 879 |
| Noncurrent loans to loans | 3.4524% | 516 |
| Net loans and leases to total assets | 65.2948% | 3,081 |
| Net loans and leases to deposits | 77.5665% | 3,087 |
| Net loans and leases to core deposits | 86.8874% | 2,665 |
| Total domestic deposits to total assets | 84.1792% | 3,492 |
| Equity capital to assets | 11.2801% | 2,590 |
| Core capital (leverage) ratio | 11.1074% | 2,325 |
| Tier 1 risk-based capital ratio | 15.8313% | 2,936 |
| Total risk-based capital ratio | 17.0844% | 2,899 |
| Memoranda: | ||
| Average total assets | $40,800,670 | 5,888 |
| Average earning assets | $38,356,000 | 5,856 |
| Average equity | $4,741,000 | 5,844 |
| Average total loans | $26,246,000 | 5,624 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3712% | 1,867 |
| Cost of funding earning assets | 0.6935% | 876 |
| Net interest margin | 3.6777% | 2,711 |
| Noninterest income to average assets | 0.4234% | 3,823 |
| Noninterest expense to average assets | 2.7178% | 3,527 |
| Loan and lease loss provision to assets | 0.2166% | 817 |
| Net operating income to assets | 0.9260% | 2,628 |
| Return on assets (ROA) | 0.9650% | 2,554 |
| Pretax return on assets | 0.9749% | 3,585 |
| Return on Equity (ROE) | 8.1837% | 2,864 |
| Retained earnings to average equity (ytd only) | 6.7641% | 2,118 |
| Net charge-offs to loans | -0.0623% | 5,633 |
| Credit loss provision to net charge-offs | -550.0000% | 4,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2290% | 3,446 |
| Assets per employee ($millions) | 4.0356% | 3,888 |
| Cash dividends to net income (ytd only)* | 17.3469% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4087% | 2,876 |
| Loan loss allowance to noncurrent loans | 132.7206% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.6740% | 3,467 |
| Noncurrent loans to loans | 1.0614% | 2,641 |
| Net loans and leases to total assets | 62.6053% | 3,276 |
| Net loans and leases to deposits | 73.7557% | 3,342 |
| Net loans and leases to core deposits | 83.4076% | 2,828 |
| Total domestic deposits to total assets | 84.8820% | 3,465 |
| Equity capital to assets | 12.0379% | 2,001 |
| Core capital (leverage) ratio | 11.6471% | 1,891 |
| Tier 1 risk-based capital ratio | 17.1571% | 2,423 |
| Total risk-based capital ratio | 18.4059% | 2,378 |
| Memoranda: | ||
| Average total assets | $40,620,500 | 5,949 |
| Average earning assets | $38,067,000 | 5,922 |
| Average equity | $4,790,000 | 5,886 |
| Average total loans | $25,683,000 | 5,690 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4991% | 1,868 |
| Cost of funding earning assets | 0.7725% | 752 |
| Net interest margin | 3.7266% | 2,896 |
| Noninterest income to average assets | 0.4994% | 3,519 |
| Noninterest expense to average assets | 2.3446% | 4,989 |
| Loan and lease loss provision to assets | 0.1181% | 2,205 |
| Net operating income to assets | 1.4761% | 922 |
| Return on assets (ROA) | 1.4860% | 943 |
| Pretax return on assets | 1.4884% | 1,586 |
| Return on Equity (ROE) | 12.9176% | 1,163 |
| Retained earnings to average equity (ytd only) | 2.5236% | 4,444 |
| Net charge-offs to loans | 0.1518% | 2,521 |
| Credit loss provision to net charge-offs | 126.3158% | 1,896 |
| Earnings coverage of net charge-offs (x) | 17.0789% | 1,961 |
| Efficiency ratio | 59.4881% | 5,286 |
| Assets per employee ($millions) | 4.0885% | 3,744 |
| Cash dividends to net income (ytd only)* | 80.4636% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 3,412 |
| Loan loss allowance to noncurrent loans | 87.4674% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 0.9368% | 2,871 |
| Noncurrent loans to loans | 1.4880% | 1,971 |
| Net loans and leases to total assets | 62.1377% | 3,480 |
| Net loans and leases to deposits | 76.3601% | 3,163 |
| Net loans and leases to core deposits | 84.5087% | 2,846 |
| Total domestic deposits to total assets | 81.3746% | 4,632 |
| Equity capital to assets | 11.5495% | 2,386 |
| Core capital (leverage) ratio | 11.4323% | 2,033 |
| Tier 1 risk-based capital ratio | 17.2001% | 2,427 |
| Total risk-based capital ratio | 18.4369% | 2,387 |
| Memoranda: | ||
| Average total assets | $40,647,000 | 6,021 |
| Average earning assets | $37,540,600 | 5,998 |
| Average equity | $4,675,800 | 5,935 |
| Average total loans | $25,036,000 | 5,779 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5128% | 1,825 |
| Cost of funding earning assets | 0.7848% | 746 |
| Net interest margin | 3.7279% | 2,911 |
| Noninterest income to average assets | 0.4960% | 3,574 |
| Noninterest expense to average assets | 2.2404% | 5,253 |
| Loan and lease loss provision to assets | 0.1150% | 2,136 |
| Net operating income to assets | 1.5735% | 806 |
| Return on assets (ROA) | 1.5768% | 819 |
| Pretax return on assets | 1.5768% | 1,400 |
| Return on Equity (ROE) | 13.7210% | 1,046 |
| Retained earnings to average equity (ytd only) | 7.8611% | 1,423 |
| Net charge-offs to loans | 0.1984% | 1,881 |
| Credit loss provision to net charge-offs | 94.5946% | 2,348 |
| Earnings coverage of net charge-offs (x) | 13.8926% | 2,185 |
| Efficiency ratio | 57.0234% | 5,555 |
| Assets per employee ($millions) | 4.4616% | 3,037 |
| Cash dividends to net income (ytd only)* | 42.7091% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 3,617 |
| Loan loss allowance to noncurrent loans | 174.5946% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 4,510 |
| Noncurrent loans to loans | 0.7474% | 3,731 |
| Net loans and leases to total assets | 60.8433% | 3,649 |
| Net loans and leases to deposits | 70.8042% | 3,819 |
| Net loans and leases to core deposits | 78.6802% | 3,473 |
| Total domestic deposits to total assets | 85.9317% | 2,878 |
| Equity capital to assets | 12.1258% | 1,959 |
| Core capital (leverage) ratio | 11.8451% | 1,798 |
| Tier 1 risk-based capital ratio | 18.4769% | 2,059 |
| Total risk-based capital ratio | 19.7161% | 2,025 |
| Memoranda: | ||
| Average total assets | $40,587,500 | 6,094 |
| Average earning assets | $37,374,500 | 6,075 |
| Average equity | $4,664,250 | 5,998 |
| Average total loans | $24,860,000 | 5,847 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5379% | 1,698 |
| Cost of funding earning assets | 0.7822% | 782 |
| Net interest margin | 3.7557% | 2,737 |
| Noninterest income to average assets | 0.4763% | 3,660 |
| Noninterest expense to average assets | 2.2488% | 5,290 |
| Loan and lease loss provision to assets | 0.1228% | 2,004 |
| Net operating income to assets | 1.5467% | 797 |
| Return on assets (ROA) | 1.5516% | 827 |
| Pretax return on assets | 1.5516% | 1,390 |
| Return on Equity (ROE) | 13.7511% | 1,005 |
| Retained earnings to average equity (ytd only) | 7.1802% | 1,678 |
| Net charge-offs to loans | 0.2812% | 1,411 |
| Credit loss provision to net charge-offs | 71.4286% | 2,447 |
| Earnings coverage of net charge-offs (x) | 9.7143% | 2,330 |
| Efficiency ratio | 57.3935% | 5,620 |
| Assets per employee ($millions) | 4.4417% | 3,017 |
| Cash dividends to net income (ytd only)* | 47.7848% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 4,043 |
| Loan loss allowance to noncurrent loans | 116.6052% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.6779% | 3,961 |
| Noncurrent loans to loans | 1.0862% | 3,057 |
| Net loans and leases to total assets | 61.6210% | 3,464 |
| Net loans and leases to deposits | 72.8916% | 3,463 |
| Net loans and leases to core deposits | 81.1765% | 3,080 |
| Total domestic deposits to total assets | 84.5378% | 3,707 |
| Equity capital to assets | 11.8699% | 2,088 |
| Core capital (leverage) ratio | 11.6377% | 1,889 |
| Tier 1 risk-based capital ratio | 17.8824% | 2,281 |
| Total risk-based capital ratio | 19.0829% | 2,270 |
| Memoranda: | ||
| Average total assets | $40,732,000 | 6,150 |
| Average earning assets | $37,330,000 | 6,135 |
| Average equity | $4,596,000 | 6,059 |
| Average total loans | $24,895,330 | 5,888 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4522% | 1,952 |
| Cost of funding earning assets | 0.7920% | 776 |
| Net interest margin | 3.6602% | 3,020 |
| Noninterest income to average assets | 0.4184% | 4,043 |
| Noninterest expense to average assets | 2.1990% | 5,468 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5471% | 738 |
| Return on assets (ROA) | 1.5568% | 754 |
| Pretax return on assets | 1.5568% | 1,268 |
| Return on Equity (ROE) | 14.1546% | 919 |
| Retained earnings to average equity (ytd only) | 10.6159% | 814 |
| Net charge-offs to loans | 0.0322% | 2,944 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 79.5000% | 540 |
| Efficiency ratio | 58.7013% | 5,580 |
| Assets per employee ($millions) | 4.5772% | 2,845 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 4,013 |
| Loan loss allowance to noncurrent loans | 128.6853% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.6093% | 4,311 |
| Noncurrent loans to loans | 1.0253% | 3,373 |
| Net loans and leases to total assets | 58.6406% | 3,745 |
| Net loans and leases to deposits | 67.3685% | 3,925 |
| Net loans and leases to core deposits | 77.3222% | 3,275 |
| Total domestic deposits to total assets | 87.0445% | 2,781 |
| Equity capital to assets | 11.2028% | 2,520 |
| Core capital (leverage) ratio | 11.4638% | 1,990 |
| Tier 1 risk-based capital ratio | 17.6342% | 2,438 |
| Total risk-based capital ratio | 18.8557% | 2,415 |
| Memoranda: | ||
| Average total assets | $41,110,500 | 6,197 |
| Average earning assets | $37,375,000 | 6,190 |
| Average equity | $4,521,500 | 6,130 |
| Average total loans | $24,868,500 | 5,942 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4216% | 2,504 |
| Cost of funding earning assets | 0.8740% | 847 |
| Net interest margin | 3.5476% | 3,696 |
| Noninterest income to average assets | 0.4318% | 4,217 |
| Noninterest expense to average assets | 2.3699% | 5,163 |
| Loan and lease loss provision to assets | 0.0552% | 4,039 |
| Net operating income to assets | 1.2778% | 1,311 |
| Return on assets (ROA) | 1.2854% | 1,341 |
| Pretax return on assets | 1.2854% | 2,215 |
| Return on Equity (ROE) | 11.2726% | 1,678 |
| Retained earnings to average equity (ytd only) | 3.3025% | 3,883 |
| Net charge-offs to loans | 0.0832% | 4,048 |
| Credit loss provision to net charge-offs | 110.0000% | 2,186 |
| Earnings coverage of net charge-offs (x) | 26.5500% | 1,292 |
| Efficiency ratio | 64.0000% | 4,896 |
| Assets per employee ($millions) | 5.1283% | 2,037 |
| Cash dividends to net income (ytd only)* | 70.7031% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 4,187 |
| Loan loss allowance to noncurrent loans | 149.5413% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.5314% | 4,641 |
| Noncurrent loans to loans | 0.8631% | 3,820 |
| Net loans and leases to total assets | 60.7688% | 3,578 |
| Net loans and leases to deposits | 72.8551% | 3,414 |
| Net loans and leases to core deposits | 80.4667% | 3,070 |
| Total domestic deposits to total assets | 83.4105% | 4,395 |
| Equity capital to assets | 10.7932% | 2,823 |
| Core capital (leverage) ratio | 11.3264% | 2,092 |
| Tier 1 risk-based capital ratio | 16.7170% | 2,754 |
| Total risk-based capital ratio | 17.9168% | 2,733 |
| Memoranda: | ||
| Average total assets | $39,833,000 | 6,295 |
| Average earning assets | $36,729,200 | 6,264 |
| Average equity | $4,542,000 | 6,191 |
| Average total loans | $24,040,600 | 6,031 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4383% | 2,464 |
| Cost of funding earning assets | 0.8958% | 832 |
| Net interest margin | 3.5426% | 3,697 |
| Noninterest income to average assets | 0.4047% | 4,497 |
| Noninterest expense to average assets | 2.3371% | 5,223 |
| Loan and lease loss provision to assets | 0.0742% | 3,571 |
| Net operating income to assets | 1.2478% | 1,489 |
| Return on assets (ROA) | 1.2579% | 1,524 |
| Pretax return on assets | 1.2579% | 2,488 |
| Return on Equity (ROE) | 10.8811% | 1,862 |
| Retained earnings to average equity (ytd only) | 1.6044% | 5,331 |
| Net charge-offs to loans | 0.0169% | 4,789 |
| Credit loss provision to net charge-offs | 733.3333% | 396 |
| Earnings coverage of net charge-offs (x) | 130.6625% | 409 |
| Efficiency ratio | 63.8710% | 4,820 |
| Assets per employee ($millions) | 4.3492% | 3,146 |
| Cash dividends to net income (ytd only)* | 85.2550% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4889% | 3,505 |
| Loan loss allowance to noncurrent loans | 165.2174% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.6106% | 4,605 |
| Noncurrent loans to loans | 0.9012% | 4,020 |
| Net loans and leases to total assets | 57.8085% | 4,044 |
| Net loans and leases to deposits | 66.6392% | 4,224 |
| Net loans and leases to core deposits | 74.6306% | 3,772 |
| Total domestic deposits to total assets | 86.7486% | 2,827 |
| Equity capital to assets | 11.2843% | 2,484 |
| Core capital (leverage) ratio | 11.1672% | 2,330 |
| Tier 1 risk-based capital ratio | 17.8587% | 2,375 |
| Total risk-based capital ratio | 19.1117% | 2,337 |
| Memoranda: | ||
| Average total assets | $39,534,750 | 6,369 |
| Average earning assets | $36,319,250 | 6,347 |
| Average equity | $4,570,500 | 6,263 |
| Average total loans | $23,736,500 | 6,102 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4791% | 2,277 |
| Cost of funding earning assets | 0.8748% | 1,008 |
| Net interest margin | 3.6044% | 3,338 |
| Noninterest income to average assets | 0.3479% | 4,909 |
| Noninterest expense to average assets | 2.3547% | 5,191 |
| Loan and lease loss provision to assets | 0.1109% | 2,955 |
| Net operating income to assets | 1.1647% | 1,685 |
| Return on assets (ROA) | 1.2051% | 1,686 |
| Pretax return on assets | 1.2051% | 2,653 |
| Return on Equity (ROE) | 10.3426% | 2,069 |
| Retained earnings to average equity (ytd only) | 6.9239% | 1,918 |
| Net charge-offs to loans | 0.0584% | 3,870 |
| Credit loss provision to net charge-offs | 314.2857% | 819 |
| Earnings coverage of net charge-offs (x) | 36.1429% | 998 |
| Efficiency ratio | 64.8611% | 4,731 |
| Assets per employee ($millions) | 4.2978% | 3,177 |
| Cash dividends to net income (ytd only)* | 33.0544% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4691% | 3,724 |
| Loan loss allowance to noncurrent loans | 89.4180% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.0600% | 3,626 |
| Noncurrent loans to loans | 1.6430% | 2,851 |
| Net loans and leases to total assets | 58.6065% | 3,886 |
| Net loans and leases to deposits | 67.7698% | 4,047 |
| Net loans and leases to core deposits | 76.0169% | 3,541 |
| Total domestic deposits to total assets | 86.4788% | 3,122 |
| Equity capital to assets | 11.6468% | 2,175 |
| Core capital (leverage) ratio | 11.5554% | 1,892 |
| Tier 1 risk-based capital ratio | 18.3356% | 2,198 |
| Total risk-based capital ratio | 19.5843% | 2,163 |
| Memoranda: | ||
| Average total assets | $39,665,330 | 6,415 |
| Average earning assets | $36,123,000 | 6,395 |
| Average equity | $4,621,670 | 6,290 |
| Average total loans | $23,992,000 | 6,125 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3423% | 2,723 |
| Cost of funding earning assets | 0.8988% | 992 |
| Net interest margin | 3.4435% | 3,942 |
| Noninterest income to average assets | 0.3187% | 5,143 |
| Noninterest expense to average assets | 2.2611% | 5,532 |
| Loan and lease loss provision to assets | 0.0996% | 3,016 |
| Net operating income to assets | 1.1256% | 1,760 |
| Return on assets (ROA) | 1.2052% | 1,620 |
| Pretax return on assets | 1.2052% | 2,549 |
| Return on Equity (ROE) | 10.3419% | 1,935 |
| Retained earnings to average equity (ytd only) | 10.3419% | 1,021 |
| Net charge-offs to loans | -0.0327% | 5,936 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8571% | 4,849 |
| Assets per employee ($millions) | 4.4429% | 3,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4213% | 4,124 |
| Loan loss allowance to noncurrent loans | 145.6522% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.5752% | 4,953 |
| Noncurrent loans to loans | 0.9758% | 4,180 |
| Net loans and leases to total assets | 58.1078% | 3,773 |
| Net loans and leases to deposits | 66.1081% | 4,039 |
| Net loans and leases to core deposits | 72.5436% | 3,754 |
| Total domestic deposits to total assets | 87.8983% | 2,384 |
| Equity capital to assets | 11.8216% | 2,158 |
| Core capital (leverage) ratio | 11.1952% | 2,100 |
| Tier 1 risk-based capital ratio | 17.8619% | 2,426 |
| Total risk-based capital ratio | 19.1126% | 2,386 |
| Memoranda: | ||
| Average total assets | $40,158,000 | 6,454 |
| Average earning assets | $36,939,000 | 6,435 |
| Average equity | $4,680,000 | 6,347 |
| Average total loans | $24,484,500 | 6,148 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8002% | 2,197 |
| Cost of funding earning assets | 1.0628% | 1,060 |
| Net interest margin | 3.7374% | 3,488 |
| Noninterest income to average assets | 0.4924% | 3,951 |
| Noninterest expense to average assets | 2.4619% | 5,219 |
| Loan and lease loss provision to assets | 0.0662% | 4,925 |
| Net operating income to assets | 1.3712% | 1,149 |
| Return on assets (ROA) | 1.3712% | 1,270 |
| Pretax return on assets | 1.3712% | 2,137 |
| Return on Equity (ROE) | 11.1192% | 1,766 |
| Retained earnings to average equity (ytd only) | 3.1340% | 4,034 |
| Net charge-offs to loans | 0.4425% | 2,462 |
| Credit loss provision to net charge-offs | 24.5098% | 5,212 |
| Earnings coverage of net charge-offs (x) | 5.3235% | 3,069 |
| Efficiency ratio | 63.1365% | 5,052 |
| Assets per employee ($millions) | 4.4811% | 2,995 |
| Cash dividends to net income (ytd only)* | 71.8147% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 4,771 |
| Loan loss allowance to noncurrent loans | 174.5946% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.4587% | 5,335 |
| Noncurrent loans to loans | 0.7284% | 4,724 |
| Net loans and leases to total assets | 62.1770% | 3,219 |
| Net loans and leases to deposits | 70.3848% | 3,655 |
| Net loans and leases to core deposits | 77.1190% | 3,384 |
| Total domestic deposits to total assets | 88.3387% | 2,006 |
| Equity capital to assets | 11.4877% | 2,461 |
| Core capital (leverage) ratio | 11.1546% | 2,121 |
| Tier 1 risk-based capital ratio | 16.6465% | 2,815 |
| Total risk-based capital ratio | 17.8707% | 2,806 |
| Memoranda: | ||
| Average total assets | $37,776,000 | 6,561 |
| Average earning assets | $34,435,800 | 6,546 |
| Average equity | $4,658,600 | 6,398 |
| Average total loans | $23,049,600 | 6,292 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8708% | 2,121 |
| Cost of funding earning assets | 1.1007% | 1,062 |
| Net interest margin | 3.7700% | 3,468 |
| Noninterest income to average assets | 0.5098% | 3,856 |
| Noninterest expense to average assets | 2.3911% | 5,428 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5617% | 932 |
| Return on assets (ROA) | 1.5617% | 1,028 |
| Pretax return on assets | 1.5617% | 1,699 |
| Return on Equity (ROE) | 12.4328% | 1,488 |
| Retained earnings to average equity (ytd only) | 4.6300% | 3,641 |
| Net charge-offs to loans | 0.4036% | 2,482 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 6.3974% | 2,799 |
| Efficiency ratio | 60.4905% | 5,411 |
| Assets per employee ($millions) | 4.1529% | 3,563 |
| Cash dividends to net income (ytd only)* | 62.7580% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 3,892 |
| Loan loss allowance to noncurrent loans | 124.8120% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.7117% | 4,906 |
| Noncurrent loans to loans | 1.2130% | 4,028 |
| Net loans and leases to total assets | 57.7831% | 4,170 |
| Net loans and leases to deposits | 66.3502% | 4,428 |
| Net loans and leases to core deposits | 72.1246% | 4,233 |
| Total domestic deposits to total assets | 87.0880% | 2,610 |
| Equity capital to assets | 12.5214% | 1,877 |
| Core capital (leverage) ratio | 11.4717% | 2,004 |
| Tier 1 risk-based capital ratio | 19.1794% | 1,954 |
| Total risk-based capital ratio | 20.4325% | 1,928 |
| Memoranda: | ||
| Average total assets | $37,137,500 | 6,663 |
| Average earning assets | $33,915,750 | 6,643 |
| Average equity | $4,665,000 | 6,469 |
| Average total loans | $22,462,250 | 6,395 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9638% | 1,889 |
| Cost of funding earning assets | 1.1209% | 1,123 |
| Net interest margin | 3.8429% | 3,166 |
| Noninterest income to average assets | 0.5289% | 3,734 |
| Noninterest expense to average assets | 2.3801% | 5,525 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6461% | 761 |
| Return on assets (ROA) | 1.6461% | 851 |
| Pretax return on assets | 1.6461% | 1,410 |
| Return on Equity (ROE) | 13.0901% | 1,337 |
| Retained earnings to average equity (ytd only) | 10.9871% | 749 |
| Net charge-offs to loans | 0.3357% | 2,676 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 8.0263% | 2,373 |
| Efficiency ratio | 59.1153% | 5,720 |
| Assets per employee ($millions) | 4.1297% | 3,605 |
| Cash dividends to net income (ytd only)* | 16.0656% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5906% | 3,636 |
| Loan loss allowance to noncurrent loans | 147.7551% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.6592% | 5,130 |
| Noncurrent loans to loans | 1.0765% | 4,367 |
| Net loans and leases to total assets | 60.2604% | 3,774 |
| Net loans and leases to deposits | 69.3835% | 3,982 |
| Net loans and leases to core deposits | 75.4565% | 3,823 |
| Total domestic deposits to total assets | 86.8512% | 2,859 |
| Equity capital to assets | 12.8716% | 1,579 |
| Core capital (leverage) ratio | 12.1397% | 1,525 |
| Tier 1 risk-based capital ratio | 18.8882% | 1,998 |
| Total risk-based capital ratio | 20.1426% | 1,975 |
| Memoranda: | ||
| Average total assets | $37,058,000 | 6,708 |
| Average earning assets | $33,724,330 | 6,693 |
| Average equity | $4,660,000 | 6,497 |
| Average total loans | $22,640,000 | 6,430 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9808% | 1,957 |
| Cost of funding earning assets | 1.1558% | 1,154 |
| Net interest margin | 3.8250% | 3,266 |
| Noninterest income to average assets | 0.4108% | 4,587 |
| Noninterest expense to average assets | 2.4322% | 5,365 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4485% | 1,122 |
| Return on assets (ROA) | 1.4485% | 1,254 |
| Pretax return on assets | 1.4485% | 2,024 |
| Return on Equity (ROE) | 11.6572% | 1,789 |
| Retained earnings to average equity (ytd only) | 11.6572% | 893 |
| Net charge-offs to loans | -0.1417% | 6,904 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6741% | 5,158 |
| Assets per employee ($millions) | 4.1471% | 3,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8142% | 2,943 |
| Loan loss allowance to noncurrent loans | 80.9524% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.3503% | 3,861 |
| Noncurrent loans to loans | 2.2411% | 2,871 |
| Net loans and leases to total assets | 59.1603% | 3,828 |
| Net loans and leases to deposits | 67.8643% | 4,086 |
| Net loans and leases to core deposits | 74.9856% | 3,747 |
| Total domestic deposits to total assets | 87.1745% | 2,848 |
| Equity capital to assets | 12.4960% | 1,722 |
| Core capital (leverage) ratio | 11.7552% | 1,732 |
| Tier 1 risk-based capital ratio | 18.4576% | 2,159 |
| Total risk-based capital ratio | 19.7134% | 2,127 |
| Memoranda: | ||
| Average total assets | $37,003,500 | 6,764 |
| Average earning assets | $33,569,000 | 6,756 |
| Average equity | $4,598,000 | 6,549 |
| Average total loans | $22,580,500 | 6,485 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3298% | 1,622 |
| Cost of funding earning assets | 1.3946% | 1,064 |
| Net interest margin | 3.9352% | 3,182 |
| Noninterest income to average assets | 0.4167% | 4,479 |
| Noninterest expense to average assets | 2.5672% | 5,214 |
| Loan and lease loss provision to assets | 0.6852% | 1,494 |
| Net operating income to assets | 0.7942% | 3,065 |
| Return on assets (ROA) | 0.7942% | 3,229 |
| Pretax return on assets | 0.7942% | 4,001 |
| Return on Equity (ROE) | 6.3444% | 3,717 |
| Retained earnings to average equity (ytd only) | 0.6925% | 5,524 |
| Net charge-offs to loans | 1.2577% | 1,326 |
| Credit loss provision to net charge-offs | 85.6643% | 4,216 |
| Earnings coverage of net charge-offs (x) | 1.8497% | 4,386 |
| Efficiency ratio | 63.4416% | 5,224 |
| Assets per employee ($millions) | 4.0759% | 3,703 |
| Cash dividends to net income (ytd only)* | 89.0845% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7643% | 2,980 |
| Loan loss allowance to noncurrent loans | 141.3428% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.7715% | 5,098 |
| Noncurrent loans to loans | 1.2482% | 4,282 |
| Net loans and leases to total assets | 60.7148% | 3,845 |
| Net loans and leases to deposits | 69.4524% | 4,204 |
| Net loans and leases to core deposits | 76.8318% | 3,853 |
| Total domestic deposits to total assets | 87.4192% | 2,517 |
| Equity capital to assets | 12.3545% | 1,878 |
| Core capital (leverage) ratio | 11.3457% | 2,007 |
| Tier 1 risk-based capital ratio | 17.8809% | 2,235 |
| Total risk-based capital ratio | 19.1359% | 2,202 |
| Memoranda: | ||
| Average total assets | $35,758,200 | 6,806 |
| Average earning assets | $32,984,600 | 6,782 |
| Average equity | $4,476,400 | 6,604 |
| Average total loans | $22,739,600 | 6,517 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4279% | 1,436 |
| Cost of funding earning assets | 1.4458% | 1,036 |
| Net interest margin | 3.9821% | 2,994 |
| Noninterest income to average assets | 0.4203% | 4,514 |
| Noninterest expense to average assets | 2.4995% | 5,464 |
| Loan and lease loss provision to assets | 0.6005% | 1,641 |
| Net operating income to assets | 0.9795% | 2,395 |
| Return on assets (ROA) | 0.9795% | 2,555 |
| Pretax return on assets | 0.9795% | 3,479 |
| Return on Equity (ROE) | 7.7981% | 3,138 |
| Retained earnings to average equity (ytd only) | 0.7769% | 5,702 |
| Net charge-offs to loans | 1.6815% | 824 |
| Credit loss provision to net charge-offs | 55.7491% | 4,902 |
| Earnings coverage of net charge-offs (x) | 1.4669% | 4,533 |
| Efficiency ratio | 61.2695% | 5,523 |
| Assets per employee ($millions) | 4.0231% | 3,796 |
| Cash dividends to net income (ytd only)* | 90.0399% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4796% | 4,205 |
| Loan loss allowance to noncurrent loans | 108.2759% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.8009% | 5,170 |
| Noncurrent loans to loans | 1.3665% | 4,253 |
| Net loans and leases to total assets | 57.7441% | 4,549 |
| Net loans and leases to deposits | 66.2610% | 4,864 |
| Net loans and leases to core deposits | 72.7665% | 4,612 |
| Total domestic deposits to total assets | 87.1465% | 2,552 |
| Equity capital to assets | 12.4061% | 1,967 |
| Core capital (leverage) ratio | 11.6808% | 1,903 |
| Tier 1 risk-based capital ratio | 18.7949% | 1,996 |
| Total risk-based capital ratio | 20.0487% | 1,959 |
| Memoranda: | ||
| Average total assets | $35,527,000 | 6,875 |
| Average earning assets | $32,645,250 | 6,849 |
| Average equity | $4,462,500 | 6,658 |
| Average total loans | $22,756,500 | 6,587 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3418% | 1,740 |
| Cost of funding earning assets | 1.4475% | 1,201 |
| Net interest margin | 3.8943% | 3,341 |
| Noninterest income to average assets | 0.4023% | 4,664 |
| Noninterest expense to average assets | 2.5156% | 5,471 |
| Loan and lease loss provision to assets | 0.7082% | 1,334 |
| Net operating income to assets | 0.8215% | 2,972 |
| Return on assets (ROA) | 0.8215% | 3,090 |
| Pretax return on assets | 0.8215% | 3,940 |
| Return on Equity (ROE) | 6.5129% | 3,698 |
| Retained earnings to average equity (ytd only) | 3.8179% | 3,781 |
| Net charge-offs to loans | 2.4583% | 489 |
| Credit loss provision to net charge-offs | 43.7063% | 4,742 |
| Earnings coverage of net charge-offs (x) | 0.9441% | 4,598 |
| Efficiency ratio | 62.1849% | 5,563 |
| Assets per employee ($millions) | 4.0121% | 3,734 |
| Cash dividends to net income (ytd only)* | 41.3793% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 5,331 |
| Loan loss allowance to noncurrent loans | 143.5897% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.5400% | 5,841 |
| Noncurrent loans to loans | 0.8681% | 5,218 |
| Net loans and leases to total assets | 61.4334% | 4,004 |
| Net loans and leases to deposits | 70.5140% | 4,366 |
| Net loans and leases to core deposits | 77.4303% | 4,130 |
| Total domestic deposits to total assets | 87.1223% | 2,669 |
| Equity capital to assets | 12.5398% | 1,762 |
| Core capital (leverage) ratio | 11.9948% | 1,598 |
| Tier 1 risk-based capital ratio | 18.3197% | 2,070 |
| Total risk-based capital ratio | 19.5126% | 2,046 |
| Memoranda: | ||
| Average total assets | $35,300,000 | 6,943 |
| Average earning assets | $33,022,670 | 6,905 |
| Average equity | $4,452,670 | 6,696 |
| Average total loans | $23,268,000 | 6,628 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2502% | 2,049 |
| Cost of funding earning assets | 1.4429% | 1,423 |
| Net interest margin | 3.8073% | 3,586 |
| Noninterest income to average assets | 0.4241% | 4,499 |
| Noninterest expense to average assets | 2.4072% | 5,864 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6163% | 665 |
| Return on assets (ROA) | 1.6163% | 704 |
| Pretax return on assets | 1.6163% | 1,151 |
| Return on Equity (ROE) | 12.7746% | 1,255 |
| Retained earnings to average equity (ytd only) | 12.7746% | 624 |
| Net charge-offs to loans | -0.0507% | 6,892 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8291% | 6,007 |
| Assets per employee ($millions) | 3.8909% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9039% | 2,681 |
| Loan loss allowance to noncurrent loans | 65.0073% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.9904% | 3,332 |
| Noncurrent loans to loans | 2.9287% | 2,566 |
| Net loans and leases to total assets | 65.3293% | 3,168 |
| Net loans and leases to deposits | 75.1791% | 3,558 |
| Net loans and leases to core deposits | 82.7917% | 3,336 |
| Total domestic deposits to total assets | 86.8982% | 2,999 |
| Equity capital to assets | 12.7677% | 1,488 |
| Core capital (leverage) ratio | 12.3141% | 1,407 |
| Tier 1 risk-based capital ratio | 18.1621% | 2,065 |
| Total risk-based capital ratio | 19.4213% | 2,028 |
| Memoranda: | ||
| Average total assets | $34,895,500 | 7,011 |
| Average earning assets | $32,989,000 | 6,957 |
| Average equity | $4,415,000 | 6,736 |
| Average total loans | $23,670,500 | 6,660 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5645% | 2,032 |
| Cost of funding earning assets | 1.7062% | 1,573 |
| Net interest margin | 3.8584% | 3,696 |
| Noninterest income to average assets | 0.4472% | 4,538 |
| Noninterest expense to average assets | 2.6976% | 4,999 |
| Loan and lease loss provision to assets | 0.2192% | 5,073 |
| Net operating income to assets | 1.1457% | 1,560 |
| Return on assets (ROA) | 1.1457% | 1,643 |
| Pretax return on assets | 1.1457% | 2,415 |
| Return on Equity (ROE) | 9.0460% | 2,270 |
| Retained earnings to average equity (ytd only) | 2.4923% | 4,132 |
| Net charge-offs to loans | 0.6290% | 3,139 |
| Credit loss provision to net charge-offs | 51.7241% | 6,233 |
| Earnings coverage of net charge-offs (x) | 3.2207% | 3,465 |
| Efficiency ratio | 66.4029% | 4,893 |
| Assets per employee ($millions) | 3.8637% | 4,098 |
| Cash dividends to net income (ytd only)* | 72.4490% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8360% | 2,730 |
| Loan loss allowance to noncurrent loans | 68.3721% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 1.8951% | 3,489 |
| Noncurrent loans to loans | 2.6853% | 2,835 |
| Net loans and leases to total assets | 67.8084% | 3,026 |
| Net loans and leases to deposits | 77.7184% | 3,554 |
| Net loans and leases to core deposits | 85.5769% | 3,386 |
| Total domestic deposits to total assets | 87.2487% | 2,698 |
| Equity capital to assets | 12.5356% | 1,613 |
| Core capital (leverage) ratio | 11.8872% | 1,624 |
| Tier 1 risk-based capital ratio | 16.9006% | 2,380 |
| Total risk-based capital ratio | 18.1559% | 2,350 |
| Memoranda: | ||
| Average total assets | $34,216,200 | 7,068 |
| Average earning assets | $32,060,200 | 7,018 |
| Average equity | $4,333,400 | 6,878 |
| Average total loans | $23,053,600 | 6,774 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5819% | 2,133 |
| Cost of funding earning assets | 1.7532% | 1,613 |
| Net interest margin | 3.8287% | 3,854 |
| Noninterest income to average assets | 0.4343% | 4,683 |
| Noninterest expense to average assets | 2.6606% | 5,062 |
| Loan and lease loss provision to assets | 0.0978% | 6,039 |
| Net operating income to assets | 1.2559% | 1,457 |
| Return on assets (ROA) | 1.2559% | 1,531 |
| Pretax return on assets | 1.2559% | 2,318 |
| Return on Equity (ROE) | 9.8911% | 2,165 |
| Retained earnings to average equity (ytd only) | 1.9720% | 4,967 |
| Net charge-offs to loans | 0.2455% | 4,468 |
| Credit loss provision to net charge-offs | 59.5238% | 5,701 |
| Earnings coverage of net charge-offs (x) | 8.2379% | 2,190 |
| Efficiency ratio | 66.2768% | 4,805 |
| Assets per employee ($millions) | 3.7878% | 4,300 |
| Cash dividends to net income (ytd only)* | 80.0626% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2041% | 1,797 |
| Loan loss allowance to noncurrent loans | 62.6904% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 2.6811% | 2,693 |
| Noncurrent loans to loans | 3.5158% | 2,244 |
| Net loans and leases to total assets | 64.2974% | 4,063 |
| Net loans and leases to deposits | 74.2262% | 4,468 |
| Net loans and leases to core deposits | 81.9218% | 4,260 |
| Total domestic deposits to total assets | 86.6236% | 2,737 |
| Equity capital to assets | 12.8718% | 1,644 |
| Core capital (leverage) ratio | 12.0136% | 1,664 |
| Tier 1 risk-based capital ratio | 16.7557% | 2,430 |
| Total risk-based capital ratio | 18.0131% | 2,395 |
| Memoranda: | ||
| Average total assets | $34,077,000 | 7,157 |
| Average earning assets | $31,864,000 | 7,107 |
| Average equity | $4,327,000 | 6,972 |
| Average total loans | $22,812,000 | 6,867 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5145% | 2,462 |
| Cost of funding earning assets | 1.7634% | 1,796 |
| Net interest margin | 3.7511% | 4,127 |
| Noninterest income to average assets | 0.4285% | 4,687 |
| Noninterest expense to average assets | 2.6062% | 5,302 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3559% | 1,181 |
| Return on assets (ROA) | 1.3559% | 1,251 |
| Pretax return on assets | 1.3559% | 1,932 |
| Return on Equity (ROE) | 10.7275% | 1,845 |
| Retained earnings to average equity (ytd only) | 8.1734% | 1,386 |
| Net charge-offs to loans | 0.1395% | 4,833 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 14.4375% | 1,522 |
| Efficiency ratio | 65.7778% | 5,022 |
| Assets per employee ($millions) | 3.8043% | 4,213 |
| Cash dividends to net income (ytd only)* | 23.8095% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1452% | 1,877 |
| Loan loss allowance to noncurrent loans | 52.4920% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 2.7951% | 2,585 |
| Noncurrent loans to loans | 4.0867% | 1,845 |
| Net loans and leases to total assets | 65.9482% | 3,847 |
| Net loans and leases to deposits | 78.3565% | 3,904 |
| Net loans and leases to core deposits | 87.9044% | 3,561 |
| Total domestic deposits to total assets | 84.1643% | 4,032 |
| Equity capital to assets | 12.8304% | 1,641 |
| Core capital (leverage) ratio | 12.3222% | 1,487 |
| Tier 1 risk-based capital ratio | 16.8551% | 2,339 |
| Total risk-based capital ratio | 18.1156% | 2,284 |
| Memoranda: | ||
| Average total assets | $34,072,670 | 7,212 |
| Average earning assets | $32,097,000 | 7,152 |
| Average equity | $4,306,670 | 7,008 |
| Average total loans | $22,945,000 | 6,909 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3260% | 3,419 |
| Cost of funding earning assets | 1.8126% | 1,826 |
| Net interest margin | 3.5135% | 5,105 |
| Noninterest income to average assets | 0.4119% | 4,797 |
| Noninterest expense to average assets | 2.5184% | 5,665 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2239% | 1,476 |
| Return on assets (ROA) | 1.2239% | 1,550 |
| Pretax return on assets | 1.2239% | 2,286 |
| Return on Equity (ROE) | 9.7572% | 2,184 |
| Retained earnings to average equity (ytd only) | 9.7572% | 1,194 |
| Net charge-offs to loans | 0.2448% | 3,479 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 7.4286% | 2,092 |
| Efficiency ratio | 67.2956% | 4,852 |
| Assets per employee ($millions) | 3.7404% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1994% | 1,754 |
| Loan loss allowance to noncurrent loans | 53.2690% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 2.8131% | 2,585 |
| Noncurrent loans to loans | 4.1289% | 1,876 |
| Net loans and leases to total assets | 65.6488% | 3,944 |
| Net loans and leases to deposits | 76.7068% | 4,281 |
| Net loans and leases to core deposits | 86.3416% | 3,844 |
| Total domestic deposits to total assets | 85.5840% | 3,370 |
| Equity capital to assets | 12.8268% | 1,591 |
| Core capital (leverage) ratio | 12.2746% | 1,504 |
| Tier 1 risk-based capital ratio | 16.8146% | 2,338 |
| Total risk-based capital ratio | 18.0739% | 2,287 |
| Memoranda: | ||
| Average total assets | $33,989,500 | 7,306 |
| Average earning assets | $32,219,000 | 7,241 |
| Average equity | $4,263,500 | 7,090 |
| Average total loans | $22,880,000 | 6,998 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7127% | 3,043 |
| Cost of funding earning assets | 2.3905% | 1,334 |
| Net interest margin | 3.3222% | 5,656 |
| Noninterest income to average assets | 0.4906% | 4,485 |
| Noninterest expense to average assets | 2.7652% | 5,106 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8176% | 2,464 |
| Return on assets (ROA) | 0.8176% | 2,552 |
| Pretax return on assets | 0.8176% | 3,191 |
| Return on Equity (ROE) | 6.7137% | 2,905 |
| Retained earnings to average equity (ytd only) | -0.5755% | 5,131 |
| Net charge-offs to loans | 0.0638% | 6,471 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,059 |
| Efficiency ratio | 77.1801% | 3,330 |
| Assets per employee ($millions) | 3.8128% | 4,260 |
| Cash dividends to net income (ytd only)* | 108.5714% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2061% | 1,644 |
| Loan loss allowance to noncurrent loans | 63.0864% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 2.4013% | 2,898 |
| Noncurrent loans to loans | 3.4970% | 2,173 |
| Net loans and leases to total assets | 66.0119% | 4,145 |
| Net loans and leases to deposits | 76.2796% | 4,689 |
| Net loans and leases to core deposits | 97.1313% | 4,338 |
| Total domestic deposits to total assets | 86.5394% | 2,737 |
| Equity capital to assets | 12.2658% | 1,871 |
| Core capital (leverage) ratio | 11.7955% | 1,759 |
| Tier 1 risk-based capital ratio | 15.9822% | 2,532 |
| Total risk-based capital ratio | 17.2797% | 2,441 |
| Memoranda: | ||
| Average total assets | $34,246,800 | 7,311 |
| Average earning assets | $31,876,600 | 7,271 |
| Average equity | $4,170,600 | 7,224 |
| Average total loans | $21,930,200 | 7,091 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7590% | 3,068 |
| Cost of funding earning assets | 2.4807% | 1,361 |
| Net interest margin | 3.2782% | 5,720 |
| Noninterest income to average assets | 0.4791% | 4,677 |
| Noninterest expense to average assets | 2.7539% | 5,090 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7673% | 2,951 |
| Return on assets (ROA) | 0.7673% | 3,012 |
| Pretax return on assets | 0.7673% | 3,633 |
| Return on Equity (ROE) | 6.3124% | 3,389 |
| Retained earnings to average equity (ytd only) | -3.4285% | 6,015 |
| Net charge-offs to loans | 0.0247% | 6,541 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 49.2795% | 649 |
| Efficiency ratio | 78.2080% | 3,131 |
| Assets per employee ($millions) | 3.3866% | 5,190 |
| Cash dividends to net income (ytd only)* | 154.3136% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4759% | 1,089 |
| Loan loss allowance to noncurrent loans | 64.8817% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 2.3711% | 2,900 |
| Noncurrent loans to loans | 3.8160% | 1,947 |
| Net loans and leases to total assets | 60.5976% | 5,488 |
| Net loans and leases to deposits | 71.9868% | 5,656 |
| Net loans and leases to core deposits | 91.7923% | 5,251 |
| Total domestic deposits to total assets | 84.1788% | 3,640 |
| Equity capital to assets | 12.1981% | 2,122 |
| Core capital (leverage) ratio | 11.9613% | 1,818 |
| Tier 1 risk-based capital ratio | 17.0550% | 2,261 |
| Total risk-based capital ratio | 18.3153% | 2,206 |
| Memoranda: | ||
| Average total assets | $34,229,750 | 7,373 |
| Average earning assets | $31,764,250 | 7,338 |
| Average equity | $4,161,000 | 7,296 |
| Average total loans | $21,622,000 | 7,168 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7930% | 3,085 |
| Cost of funding earning assets | 2.5969% | 1,295 |
| Net interest margin | 3.1961% | 5,930 |
| Noninterest income to average assets | 0.4483% | 4,861 |
| Noninterest expense to average assets | 2.8180% | 4,879 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6113% | 3,631 |
| Return on assets (ROA) | 0.6113% | 3,740 |
| Pretax return on assets | 0.6113% | 4,291 |
| Return on Equity (ROE) | 5.0348% | 4,061 |
| Retained earnings to average equity (ytd only) | -0.4795% | 5,341 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1732% | 2,703 |
| Assets per employee ($millions) | 3.2985% | 5,323 |
| Cash dividends to net income (ytd only)* | 109.5238% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5186% | 882 |
| Loan loss allowance to noncurrent loans | 59.3220% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 2.6830% | 2,393 |
| Noncurrent loans to loans | 4.2456% | 1,555 |
| Net loans and leases to total assets | 61.6038% | 5,423 |
| Net loans and leases to deposits | 73.5859% | 5,525 |
| Net loans and leases to core deposits | 88.3747% | 5,687 |
| Total domestic deposits to total assets | 83.7168% | 3,915 |
| Equity capital to assets | 12.6936% | 1,839 |
| Core capital (leverage) ratio | 12.0414% | 1,813 |
| Tier 1 risk-based capital ratio | 19.0573% | 1,766 |
| Total risk-based capital ratio | 20.2565% | 1,730 |
| Memoranda: | ||
| Average total assets | $34,351,000 | 7,433 |
| Average earning assets | $32,038,670 | 7,396 |
| Average equity | $4,171,000 | 7,353 |
| Average total loans | $21,815,000 | 7,225 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7985% | 3,314 |
| Cost of funding earning assets | 2.7230% | 1,196 |
| Net interest margin | 3.0755% | 6,272 |
| Noninterest income to average assets | 0.4110% | 5,120 |
| Noninterest expense to average assets | 2.7288% | 4,880 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5709% | 4,142 |
| Return on assets (ROA) | 0.5709% | 4,337 |
| Pretax return on assets | 0.5709% | 4,842 |
| Return on Equity (ROE) | 4.8042% | 4,552 |
| Retained earnings to average equity (ytd only) | 1.1530% | 5,179 |
| Net charge-offs to loans | -0.0359% | 7,607 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6990% | 2,450 |
| Assets per employee ($millions) | 3.1209% | 5,836 |
| Cash dividends to net income (ytd only)* | 76.0000% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4743% | 787 |
| Loan loss allowance to noncurrent loans | 39.5646% | 5,912 |
| Noncurrent assets plus other real estate owned to assets | 3.9324% | 1,320 |
| Noncurrent loans to loans | 6.2538% | 734 |
| Net loans and leases to total assets | 60.5068% | 5,572 |
| Net loans and leases to deposits | 71.7736% | 5,772 |
| Net loans and leases to core deposits | 87.9126% | 5,750 |
| Total domestic deposits to total assets | 84.3024% | 3,559 |
| Equity capital to assets | 12.2633% | 2,101 |
| Core capital (leverage) ratio | 11.4629% | 2,170 |
| Tier 1 risk-based capital ratio | 18.5245% | 1,925 |
| Total risk-based capital ratio | 19.7869% | 1,881 |
| Memoranda: | ||
| Average total assets | $35,034,000 | 7,447 |
| Average earning assets | $32,905,000 | 7,408 |
| Average equity | $4,163,000 | 7,393 |
| Average total loans | $22,300,000 | 7,233 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3603% | 3,640 |
| Cost of funding earning assets | 3.3040% | 917 |
| Net interest margin | 3.0564% | 6,768 |
| Noninterest income to average assets | 0.4479% | 5,054 |
| Noninterest expense to average assets | 2.5345% | 5,875 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7896% | 3,481 |
| Return on assets (ROA) | 0.7896% | 3,320 |
| Pretax return on assets | 0.7896% | 4,109 |
| Return on Equity (ROE) | 7.3163% | 3,362 |
| Retained earnings to average equity (ytd only) | 0.5517% | 4,906 |
| Net charge-offs to loans | 0.1759% | 4,439 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 6.4894% | 3,351 |
| Efficiency ratio | 76.2461% | 3,195 |
| Assets per employee ($millions) | 2.9782% | 6,108 |
| Cash dividends to net income (ytd only)* | 92.4590% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2531% | 900 |
| Loan loss allowance to noncurrent loans | 37.6344% | 6,211 |
| Noncurrent assets plus other real estate owned to assets | 3.9538% | 1,049 |
| Noncurrent loans to loans | 5.9869% | 599 |
| Net loans and leases to total assets | 63.7305% | 5,330 |
| Net loans and leases to deposits | 74.7686% | 5,765 |
| Net loans and leases to core deposits | 95.6091% | 5,289 |
| Total domestic deposits to total assets | 85.2370% | 2,735 |
| Equity capital to assets | 11.5172% | 2,629 |
| Core capital (leverage) ratio | 11.3358% | 2,347 |
| Tier 1 risk-based capital ratio | 16.6795% | 2,426 |
| Total risk-based capital ratio | 17.9407% | 2,355 |
| Memoranda: | ||
| Average total assets | $38,626,400 | 7,277 |
| Average earning assets | $36,350,400 | 7,226 |
| Average equity | $4,168,800 | 7,443 |
| Average total loans | $26,714,400 | 6,920 |