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Produce State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8456% | 2,386 |
| Cost of funding earning assets | 0.4249% | 4,268 |
| Net interest margin | 4.4207% | 690 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 2.0954% | 3,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.1807% | 353 |
| Return on assets (ROA) | 2.1892% | 337 |
| Pretax return on assets | 2.4187% | 370 |
| Return on Equity (ROE) | 22.3700% | 442 |
| Retained earnings to average equity (ytd only) | 13.6494% | 437 |
| Net charge-offs to loans | -0.0405% | 4,322 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 42.0076% | 4,314 |
| Assets per employee ($millions) | 6.3934% | 2,485 |
| Cash dividends to net income (ytd only)* | 38.9712% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 3,065 |
| Loan loss allowance to noncurrent loans | 91.1330% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.6030% | 913 |
| Noncurrent loans to loans | 1.1527% | 628 |
| Net loans and leases to total assets | 45.4300% | 3,839 |
| Net loans and leases to deposits | 50.9567% | 3,916 |
| Net loans and leases to core deposits | 51.5587% | 4,043 |
| Total domestic deposits to total assets | 89.1500% | 1,018 |
| Equity capital to assets | 10.5603% | 1,702 |
| Core capital (leverage) ratio | 9.4072% | 3,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3785% | 518 |
| Memoranda: | ||
| Average total assets | $117,210,800 | 3,679 |
| Average earning assets | $112,267,000 | 3,624 |
| Average equity | $11,473,000 | 3,578 |
| Average total loans | $51,875,200 | 3,816 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7121% | 2,446 |
| Cost of funding earning assets | 0.3346% | 4,329 |
| Net interest margin | 4.3776% | 720 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.0689% | 3,425 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.2414% | 352 |
| Return on assets (ROA) | 2.2523% | 340 |
| Pretax return on assets | 2.3474% | 452 |
| Return on Equity (ROE) | 23.4600% | 463 |
| Retained earnings to average equity (ytd only) | 17.5642% | 359 |
| Net charge-offs to loans | -0.0491% | 4,355 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 42.3907% | 4,299 |
| Assets per employee ($millions) | 6.3797% | 2,423 |
| Cash dividends to net income (ytd only)* | 25.1383% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0872% | 2,922 |
| Loan loss allowance to noncurrent loans | 58.0273% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.0903% | 449 |
| Noncurrent loans to loans | 1.8737% | 339 |
| Net loans and leases to total assets | 43.8100% | 3,923 |
| Net loans and leases to deposits | 49.1256% | 3,970 |
| Net loans and leases to core deposits | 49.7179% | 4,050 |
| Total domestic deposits to total assets | 89.1800% | 1,189 |
| Equity capital to assets | 10.3819% | 1,605 |
| Core capital (leverage) ratio | 9.2445% | 3,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4365% | 594 |
| Memoranda: | ||
| Average total assets | $117,743,000 | 3,677 |
| Average earning assets | $112,784,000 | 3,632 |
| Average equity | $11,303,000 | 3,595 |
| Average total loans | $51,635,500 | 3,830 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5444% | 2,540 |
| Cost of funding earning assets | 0.2901% | 4,329 |
| Net interest margin | 4.2544% | 856 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.9914% | 3,620 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.2144% | 349 |
| Return on assets (ROA) | 2.2289% | 333 |
| Pretax return on assets | 2.3131% | 458 |
| Return on Equity (ROE) | 23.8400% | 441 |
| Retained earnings to average equity (ytd only) | 23.8450% | 146 |
| Net charge-offs to loans | -0.0462% | 4,357 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 41.7910% | 4,346 |
| Assets per employee ($millions) | 6.3971% | 2,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 2,900 |
| Loan loss allowance to noncurrent loans | 56.6390% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 1.2740% | 310 |
| Noncurrent loans to loans | 1.9629% | 291 |
| Net loans and leases to total assets | 42.1800% | 3,958 |
| Net loans and leases to deposits | 47.1615% | 4,012 |
| Net loans and leases to core deposits | 47.4931% | 4,087 |
| Total domestic deposits to total assets | 89.4300% | 1,103 |
| Equity capital to assets | 10.2061% | 1,742 |
| Core capital (leverage) ratio | 9.0604% | 3,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8856% | 490 |
| Memoranda: | ||
| Average total assets | $118,712,667 | 3,689 |
| Average earning assets | $113,765,667 | 3,642 |
| Average equity | $11,096,667 | 3,627 |
| Average total loans | $51,893,000 | 3,834 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4939% | 2,330 |
| Cost of funding earning assets | 0.2387% | 4,312 |
| Net interest margin | 4.2552% | 869 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 1.9553% | 3,727 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.3304% | 312 |
| Return on assets (ROA) | 2.3569% | 294 |
| Pretax return on assets | 2.3569% | 438 |
| Return on Equity (ROE) | 26.3700% | 346 |
| Retained earnings to average equity (ytd only) | 26.3720% | 153 |
| Net charge-offs to loans | -0.0826% | 4,465 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 40.9760% | 4,421 |
| Assets per employee ($millions) | 6.6076% | 2,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0564% | 3,263 |
| Loan loss allowance to noncurrent loans | 78.3046% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.5852% | 881 |
| Noncurrent loans to loans | 1.3491% | 489 |
| Net loans and leases to total assets | 42.9200% | 3,914 |
| Net loans and leases to deposits | 47.5373% | 3,978 |
| Net loans and leases to core deposits | 47.8582% | 4,053 |
| Total domestic deposits to total assets | 90.2800% | 1,054 |
| Equity capital to assets | 9.3663% | 2,247 |
| Core capital (leverage) ratio | 8.0233% | 4,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6449% | 691 |
| Memoranda: | ||
| Average total assets | $120,495,500 | 3,718 |
| Average earning assets | $115,624,000 | 3,659 |
| Average equity | $10,769,000 | 3,694 |
| Average total loans | $53,284,000 | 3,856 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1629% | 3,884 |
| Cost of funding earning assets | 0.0934% | 4,418 |
| Net interest margin | 3.0696% | 3,263 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.9330% | 3,765 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0957% | 2,192 |
| Return on assets (ROA) | 1.0957% | 2,135 |
| Pretax return on assets | 1.2194% | 2,372 |
| Return on Equity (ROE) | 14.1900% | 1,491 |
| Retained earnings to average equity (ytd only) | 8.0266% | 1,817 |
| Net charge-offs to loans | 0.2059% | 403 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 14.3738% | 2,034 |
| Efficiency ratio | 55.3320% | 3,650 |
| Assets per employee ($millions) | 6.7808% | 2,136 |
| Cash dividends to net income (ytd only)* | 43.4153% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9513% | 3,596 |
| Loan loss allowance to noncurrent loans | 73.7659% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.5809% | 864 |
| Noncurrent loans to loans | 1.2896% | 534 |
| Net loans and leases to total assets | 44.6100% | 3,863 |
| Net loans and leases to deposits | 48.9193% | 3,938 |
| Net loans and leases to core deposits | 49.2373% | 4,008 |
| Total domestic deposits to total assets | 91.2000% | 876 |
| Equity capital to assets | 8.5192% | 2,694 |
| Core capital (leverage) ratio | 7.2790% | 4,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8088% | 1,011 |
| Memoranda: | ||
| Average total assets | $126,127,000 | 3,673 |
| Average earning assets | $121,027,200 | 3,609 |
| Average equity | $9,742,600 | 3,902 |
| Average total loans | $51,966,200 | 3,866 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8606% | 4,117 |
| Cost of funding earning assets | 0.0863% | 4,378 |
| Net interest margin | 2.7744% | 3,789 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.7733% | 4,030 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9899% | 2,505 |
| Return on assets (ROA) | 0.9899% | 2,480 |
| Pretax return on assets | 1.0937% | 2,745 |
| Return on Equity (ROE) | 13.1400% | 1,659 |
| Retained earnings to average equity (ytd only) | 4.7883% | 3,166 |
| Net charge-offs to loans | 0.1406% | 468 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 19.3148% | 1,726 |
| Efficiency ratio | 55.3402% | 3,683 |
| Assets per employee ($millions) | 7.4456% | 1,651 |
| Cash dividends to net income (ytd only)* | 63.5593% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 2,863 |
| Loan loss allowance to noncurrent loans | 74.3226% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 869 |
| Noncurrent loans to loans | 1.5257% | 455 |
| Net loans and leases to total assets | 39.6800% | 4,084 |
| Net loans and leases to deposits | 43.2912% | 4,136 |
| Net loans and leases to core deposits | 43.5718% | 4,179 |
| Total domestic deposits to total assets | 91.6500% | 992 |
| Equity capital to assets | 7.8593% | 2,983 |
| Core capital (leverage) ratio | 6.6324% | 4,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2600% | 954 |
| Memoranda: | ||
| Average total assets | $127,145,250 | 3,689 |
| Average earning assets | $122,067,500 | 3,623 |
| Average equity | $9,578,750 | 3,966 |
| Average total loans | $51,213,500 | 3,893 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5308% | 4,349 |
| Cost of funding earning assets | 0.0867% | 4,318 |
| Net interest margin | 2.4441% | 4,170 |
| Noninterest income to average assets | 0.1979% | 4,008 |
| Noninterest expense to average assets | 1.8157% | 3,916 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6236% | 3,560 |
| Return on assets (ROA) | 0.6236% | 3,509 |
| Pretax return on assets | 0.7288% | 3,500 |
| Return on Equity (ROE) | 8.3971% | 2,899 |
| Retained earnings to average equity (ytd only) | -4.2937% | 4,509 |
| Net charge-offs to loans | 0.2025% | 323 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 8.9231% | 1,808 |
| Efficiency ratio | 64.0741% | 2,765 |
| Assets per employee ($millions) | 8.1437% | 1,233 |
| Cash dividends to net income (ytd only)* | 151.1335% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1338% | 3,016 |
| Loan loss allowance to noncurrent loans | 71.8905% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 0.6170% | 899 |
| Noncurrent loans to loans | 1.5772% | 461 |
| Net loans and leases to total assets | 38.6803% | 4,137 |
| Net loans and leases to deposits | 41.8939% | 4,194 |
| Net loans and leases to core deposits | 42.1549% | 4,255 |
| Total domestic deposits to total assets | 92.3292% | 714 |
| Equity capital to assets | 7.2464% | 3,632 |
| Core capital (leverage) ratio | 6.1812% | 4,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7170% | 1,249 |
| Memoranda: | ||
| Average total assets | $127,335,000 | 3,722 |
| Average earning assets | $122,252,333 | 3,667 |
| Average equity | $9,455,667 | 4,051 |
| Average total loans | $51,352,667 | 3,943 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4983% | 4,270 |
| Cost of funding earning assets | 0.0893% | 4,260 |
| Net interest margin | 2.4090% | 4,052 |
| Noninterest income to average assets | 0.1907% | 4,019 |
| Noninterest expense to average assets | 2.0214% | 3,386 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4736% | 3,779 |
| Return on assets (ROA) | 0.4736% | 3,746 |
| Pretax return on assets | 0.4831% | 3,895 |
| Return on Equity (ROE) | 6.2985% | 3,251 |
| Retained earnings to average equity (ytd only) | -19.0647% | 4,691 |
| Net charge-offs to loans | 0.2639% | 243 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 4.4706% | 1,624 |
| Efficiency ratio | 73.0964% | 1,845 |
| Assets per employee ($millions) | 7.6572% | 1,581 |
| Cash dividends to net income (ytd only)* | 402.6846% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1899% | 2,907 |
| Loan loss allowance to noncurrent loans | 272.1461% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.1682% | 2,611 |
| Noncurrent loans to loans | 0.4372% | 1,933 |
| Net loans and leases to total assets | 38.0197% | 4,116 |
| Net loans and leases to deposits | 41.0983% | 4,200 |
| Net loans and leases to core deposits | 41.2398% | 4,265 |
| Total domestic deposits to total assets | 92.5091% | 401 |
| Equity capital to assets | 7.0960% | 4,163 |
| Core capital (leverage) ratio | 5.9773% | 4,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1093% | 1,480 |
| Memoranda: | ||
| Average total assets | $125,853,000 | 3,761 |
| Average earning assets | $120,881,500 | 3,704 |
| Average equity | $9,462,500 | 4,116 |
| Average total loans | $51,540,000 | 3,950 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1369% | 3,611 |
| Cost of funding earning assets | 0.1365% | 4,101 |
| Net interest margin | 3.0004% | 3,192 |
| Noninterest income to average assets | 0.2080% | 4,122 |
| Noninterest expense to average assets | 2.1159% | 3,352 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8563% | 3,168 |
| Return on assets (ROA) | 0.8563% | 3,232 |
| Pretax return on assets | 0.9615% | 3,357 |
| Return on Equity (ROE) | 10.4276% | 2,379 |
| Retained earnings to average equity (ytd only) | -0.8510% | 4,575 |
| Net charge-offs to loans | -0.0239% | 4,041 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2435% | 2,836 |
| Assets per employee ($millions) | 6.3965% | 2,414 |
| Cash dividends to net income (ytd only)* | 108.1613% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 2,934 |
| Loan loss allowance to noncurrent loans | 65.0155% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 0.7973% | 754 |
| Noncurrent loans to loans | 1.8285% | 457 |
| Net loans and leases to total assets | 43.0851% | 3,905 |
| Net loans and leases to deposits | 46.9455% | 4,049 |
| Net loans and leases to core deposits | 47.3496% | 4,126 |
| Total domestic deposits to total assets | 91.7768% | 240 |
| Equity capital to assets | 7.9714% | 4,379 |
| Core capital (leverage) ratio | 6.5954% | 4,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8548% | 1,567 |
| Memoranda: | ||
| Average total assets | $118,768,200 | 3,816 |
| Average earning assets | $113,583,800 | 3,768 |
| Average equity | $9,753,000 | 4,157 |
| Average total loans | $54,481,800 | 3,924 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2709% | 3,459 |
| Cost of funding earning assets | 0.1524% | 4,086 |
| Net interest margin | 3.1184% | 3,005 |
| Noninterest income to average assets | 0.2033% | 4,184 |
| Noninterest expense to average assets | 2.0280% | 3,593 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1552% | 2,345 |
| Return on assets (ROA) | 1.1552% | 2,404 |
| Pretax return on assets | 1.1552% | 3,061 |
| Return on Equity (ROE) | 13.9618% | 1,401 |
| Retained earnings to average equity (ytd only) | -1.0509% | 4,667 |
| Net charge-offs to loans | -0.0267% | 4,088 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3962% | 3,367 |
| Assets per employee ($millions) | 6.4708% | 2,276 |
| Cash dividends to net income (ytd only)* | 107.5269% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 3,125 |
| Loan loss allowance to noncurrent loans | 292.0930% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 2,951 |
| Noncurrent loans to loans | 0.4004% | 2,358 |
| Net loans and leases to total assets | 43.1632% | 4,010 |
| Net loans and leases to deposits | 47.0310% | 4,175 |
| Net loans and leases to core deposits | 47.4444% | 4,266 |
| Total domestic deposits to total assets | 91.7760% | 172 |
| Equity capital to assets | 7.8856% | 4,567 |
| Core capital (leverage) ratio | 6.5861% | 4,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4555% | 1,814 |
| Memoranda: | ||
| Average total assets | $118,076,750 | 3,867 |
| Average earning assets | $112,831,750 | 3,817 |
| Average equity | $9,769,250 | 4,213 |
| Average total loans | $54,854,000 | 3,968 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5634% | 2,736 |
| Cost of funding earning assets | 0.1763% | 3,982 |
| Net interest margin | 3.3871% | 2,179 |
| Noninterest income to average assets | 0.1975% | 4,210 |
| Noninterest expense to average assets | 2.0849% | 3,432 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3465% | 1,720 |
| Return on assets (ROA) | 1.3465% | 1,800 |
| Pretax return on assets | 1.3465% | 2,489 |
| Return on Equity (ROE) | 16.0098% | 954 |
| Retained earnings to average equity (ytd only) | 3.7574% | 3,601 |
| Net charge-offs to loans | -0.0326% | 4,192 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8549% | 3,696 |
| Assets per employee ($millions) | 6.3529% | 2,283 |
| Cash dividends to net income (ytd only)* | 76.5306% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1550% | 3,166 |
| Loan loss allowance to noncurrent loans | 306.8627% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.1690% | 3,135 |
| Noncurrent loans to loans | 0.3764% | 2,550 |
| Net loans and leases to total assets | 44.3847% | 4,019 |
| Net loans and leases to deposits | 48.5593% | 4,182 |
| Net loans and leases to core deposits | 48.9950% | 4,281 |
| Total domestic deposits to total assets | 91.4031% | 255 |
| Equity capital to assets | 8.2473% | 4,399 |
| Core capital (leverage) ratio | 6.8814% | 4,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8859% | 1,668 |
| Memoranda: | ||
| Average total assets | $116,454,000 | 3,901 |
| Average earning assets | $111,185,333 | 3,858 |
| Average equity | $9,794,000 | 4,222 |
| Average total loans | $55,240,333 | 3,986 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9722% | 1,654 |
| Cost of funding earning assets | 0.1687% | 4,173 |
| Net interest margin | 3.8035% | 1,131 |
| Noninterest income to average assets | 0.1959% | 4,213 |
| Noninterest expense to average assets | 2.1272% | 3,335 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6969% | 942 |
| Return on assets (ROA) | 1.6969% | 989 |
| Pretax return on assets | 1.6969% | 1,498 |
| Return on Equity (ROE) | 19.9722% | 534 |
| Retained earnings to average equity (ytd only) | -4.7357% | 4,684 |
| Net charge-offs to loans | -0.0287% | 4,152 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1372% | 4,175 |
| Assets per employee ($millions) | 6.2826% | 2,340 |
| Cash dividends to net income (ytd only)* | 123.7113% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 3,200 |
| Loan loss allowance to noncurrent loans | 297.1292% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 3,293 |
| Noncurrent loans to loans | 0.3862% | 2,708 |
| Net loans and leases to total assets | 44.8140% | 4,055 |
| Net loans and leases to deposits | 48.9128% | 4,224 |
| Net loans and leases to core deposits | 49.2329% | 4,332 |
| Total domestic deposits to total assets | 91.6201% | 217 |
| Equity capital to assets | 8.0892% | 4,440 |
| Core capital (leverage) ratio | 6.8927% | 4,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6990% | 2,008 |
| Memoranda: | ||
| Average total assets | $114,328,000 | 3,928 |
| Average earning assets | $109,058,500 | 3,880 |
| Average equity | $9,713,500 | 4,243 |
| Average total loans | $55,760,000 | 3,997 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3262% | 1,780 |
| Cost of funding earning assets | 0.3486% | 3,877 |
| Net interest margin | 3.9776% | 1,022 |
| Noninterest income to average assets | 0.2429% | 4,036 |
| Noninterest expense to average assets | 2.5691% | 2,641 |
| Loan and lease loss provision to assets | 0.1637% | 2,328 |
| Net operating income to assets | 1.2814% | 1,301 |
| Return on assets (ROA) | 1.2814% | 1,403 |
| Pretax return on assets | 1.2814% | 2,042 |
| Return on Equity (ROE) | 13.4526% | 933 |
| Retained earnings to average equity (ytd only) | -4.1704% | 4,815 |
| Net charge-offs to loans | -0.0412% | 4,626 |
| Credit loss provision to net charge-offs | -713.6364% | 3,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8182% | 3,748 |
| Assets per employee ($millions) | 5.7519% | 2,579 |
| Cash dividends to net income (ytd only)* | 131.0008% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 3,581 |
| Loan loss allowance to noncurrent loans | 252.8689% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.2233% | 3,168 |
| Noncurrent loans to loans | 0.4251% | 2,704 |
| Net loans and leases to total assets | 51.9623% | 3,661 |
| Net loans and leases to deposits | 57.1722% | 3,933 |
| Net loans and leases to core deposits | 57.5832% | 4,070 |
| Total domestic deposits to total assets | 90.8873% | 252 |
| Equity capital to assets | 8.9407% | 4,110 |
| Core capital (leverage) ratio | 7.3330% | 4,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7210% | 2,351 |
| Memoranda: | ||
| Average total assets | $95,908,000 | 4,045 |
| Average earning assets | $90,933,400 | 4,014 |
| Average equity | $9,135,800 | 4,295 |
| Average total loans | $53,380,800 | 4,040 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4961% | 1,582 |
| Cost of funding earning assets | 0.4045% | 3,784 |
| Net interest margin | 4.0917% | 911 |
| Noninterest income to average assets | 0.2449% | 4,013 |
| Noninterest expense to average assets | 2.5856% | 2,577 |
| Loan and lease loss provision to assets | 0.2258% | 1,797 |
| Net operating income to assets | 1.3093% | 1,335 |
| Return on assets (ROA) | 1.3093% | 1,429 |
| Pretax return on assets | 1.3093% | 2,014 |
| Return on Equity (ROE) | 13.5008% | 975 |
| Retained earnings to average equity (ytd only) | -10.4115% | 4,933 |
| Net charge-offs to loans | -0.0153% | 4,337 |
| Credit loss provision to net charge-offs | -2,616.6667% | 4,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5187% | 3,860 |
| Assets per employee ($millions) | 5.6607% | 2,568 |
| Cash dividends to net income (ytd only)* | 177.1177% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 3,460 |
| Loan loss allowance to noncurrent loans | 69.0011% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 0.8098% | 1,424 |
| Noncurrent loans to loans | 1.5216% | 936 |
| Net loans and leases to total assets | 52.6633% | 3,918 |
| Net loans and leases to deposits | 58.0445% | 4,160 |
| Net loans and leases to core deposits | 58.4675% | 4,280 |
| Total domestic deposits to total assets | 90.7292% | 229 |
| Equity capital to assets | 8.7873% | 4,265 |
| Core capital (leverage) ratio | 7.0949% | 4,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7058% | 2,722 |
| Memoranda: | ||
| Average total assets | $92,563,250 | 4,086 |
| Average earning assets | $87,688,250 | 4,060 |
| Average equity | $8,977,000 | 4,325 |
| Average total loans | $52,374,750 | 4,082 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6740% | 1,467 |
| Cost of funding earning assets | 0.4679% | 3,711 |
| Net interest margin | 4.2061% | 909 |
| Noninterest income to average assets | 0.3629% | 3,311 |
| Noninterest expense to average assets | 2.7482% | 2,225 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5955% | 768 |
| Return on assets (ROA) | 1.5955% | 837 |
| Pretax return on assets | 1.5955% | 1,232 |
| Return on Equity (ROE) | 15.7545% | 610 |
| Retained earnings to average equity (ytd only) | 2.2313% | 3,669 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9627% | 3,825 |
| Assets per employee ($millions) | 5.5472% | 2,594 |
| Cash dividends to net income (ytd only)* | 85.8369% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7792% | 4,392 |
| Loan loss allowance to noncurrent loans | 43.7934% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 0.9554% | 1,266 |
| Noncurrent loans to loans | 1.7792% | 791 |
| Net loans and leases to total assets | 53.2810% | 3,936 |
| Net loans and leases to deposits | 59.3465% | 4,147 |
| Net loans and leases to core deposits | 59.7913% | 4,273 |
| Total domestic deposits to total assets | 89.7795% | 466 |
| Equity capital to assets | 9.7262% | 3,441 |
| Core capital (leverage) ratio | 8.2259% | 4,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7418% | 2,718 |
| Memoranda: | ||
| Average total assets | $87,621,333 | 4,156 |
| Average earning assets | $82,927,333 | 4,127 |
| Average equity | $8,873,667 | 4,350 |
| Average total loans | $50,752,333 | 4,124 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0566% | 869 |
| Cost of funding earning assets | 0.5089% | 3,900 |
| Net interest margin | 4.5477% | 450 |
| Noninterest income to average assets | 0.3294% | 3,554 |
| Noninterest expense to average assets | 2.8204% | 2,374 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.8786% | 349 |
| Return on assets (ROA) | 1.8786% | 388 |
| Pretax return on assets | 1.8786% | 592 |
| Return on Equity (ROE) | 20.3640% | 152 |
| Retained earnings to average equity (ytd only) | -13.1111% | 4,856 |
| Net charge-offs to loans | -0.0084% | 4,009 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0219% | 3,735 |
| Assets per employee ($millions) | 5.0087% | 2,639 |
| Cash dividends to net income (ytd only)* | 164.3836% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 3,229 |
| Loan loss allowance to noncurrent loans | 171.9653% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.3646% | 2,983 |
| Noncurrent loans to loans | 0.6374% | 2,397 |
| Net loans and leases to total assets | 56.4125% | 3,807 |
| Net loans and leases to deposits | 61.8733% | 4,104 |
| Net loans and leases to core deposits | 62.3773% | 4,260 |
| Total domestic deposits to total assets | 91.1743% | 89 |
| Equity capital to assets | 8.0775% | 4,954 |
| Core capital (leverage) ratio | 7.8418% | 5,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6392% | 2,025 |
| Memoranda: | ||
| Average total assets | $77,718,500 | 4,297 |
| Average earning assets | $74,674,500 | 4,245 |
| Average equity | $7,169,500 | 4,585 |
| Average total loans | $47,897,500 | 4,192 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4271% | 3,170 |
| Cost of funding earning assets | 0.4560% | 4,251 |
| Net interest margin | 3.9711% | 1,937 |
| Noninterest income to average assets | 0.4254% | 3,135 |
| Noninterest expense to average assets | 2.4469% | 3,580 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7841% | 537 |
| Return on assets (ROA) | 1.7841% | 572 |
| Pretax return on assets | 1.7841% | 978 |
| Return on Equity (ROE) | 16.5130% | 475 |
| Retained earnings to average equity (ytd only) | 5.8299% | 1,960 |
| Net charge-offs to loans | -0.0311% | 4,720 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8332% | 3,990 |
| Assets per employee ($millions) | 5.0227% | 2,567 |
| Cash dividends to net income (ytd only)* | 64.6950% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 3,190 |
| Loan loss allowance to noncurrent loans | 1,368.7500% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 4,314 |
| Noncurrent loans to loans | 0.0771% | 4,220 |
| Net loans and leases to total assets | 68.1527% | 2,660 |
| Net loans and leases to deposits | 76.8858% | 3,098 |
| Net loans and leases to core deposits | 77.9021% | 3,454 |
| Total domestic deposits to total assets | 88.6415% | 821 |
| Equity capital to assets | 11.0366% | 2,959 |
| Core capital (leverage) ratio | 11.0335% | 2,475 |
| Tier 1 risk-based capital ratio | 15.2853% | 2,662 |
| Total risk-based capital ratio | 16.2917% | 2,700 |
| Memoranda: | ||
| Average total assets | $60,647,200 | 4,588 |
| Average earning assets | $58,119,400 | 4,555 |
| Average equity | $6,552,400 | 4,690 |
| Average total loans | $38,646,000 | 4,434 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3504% | 3,511 |
| Cost of funding earning assets | 0.4513% | 4,322 |
| Net interest margin | 3.8991% | 2,257 |
| Noninterest income to average assets | 0.3995% | 3,325 |
| Noninterest expense to average assets | 2.2390% | 4,097 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8965% | 495 |
| Return on assets (ROA) | 1.8965% | 516 |
| Pretax return on assets | 1.8965% | 874 |
| Return on Equity (ROE) | 17.6480% | 424 |
| Retained earnings to average equity (ytd only) | 3.3498% | 3,724 |
| Net charge-offs to loans | -0.0422% | 4,796 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1401% | 4,380 |
| Assets per employee ($millions) | 4.9614% | 2,600 |
| Cash dividends to net income (ytd only)* | 81.0186% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 2,852 |
| Loan loss allowance to noncurrent loans | 117.1123% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.6399% | 2,087 |
| Noncurrent loans to loans | 0.9687% | 1,655 |
| Net loans and leases to total assets | 64.1131% | 3,274 |
| Net loans and leases to deposits | 72.2963% | 3,599 |
| Net loans and leases to core deposits | 73.3029% | 3,872 |
| Total domestic deposits to total assets | 88.6810% | 752 |
| Equity capital to assets | 10.8067% | 3,287 |
| Core capital (leverage) ratio | 11.0022% | 2,639 |
| Tier 1 risk-based capital ratio | 15.6230% | 2,594 |
| Total risk-based capital ratio | 16.6865% | 2,595 |
| Memoranda: | ||
| Average total assets | $60,741,000 | 4,646 |
| Average earning assets | $58,199,750 | 4,609 |
| Average equity | $6,527,500 | 4,754 |
| Average total loans | $37,928,750 | 4,508 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2954% | 3,646 |
| Cost of funding earning assets | 0.4500% | 4,325 |
| Net interest margin | 3.8454% | 2,419 |
| Noninterest income to average assets | 0.3925% | 3,321 |
| Noninterest expense to average assets | 2.2145% | 4,191 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8678% | 520 |
| Return on assets (ROA) | 1.8678% | 546 |
| Pretax return on assets | 1.8678% | 896 |
| Return on Equity (ROE) | 17.4121% | 418 |
| Retained earnings to average equity (ytd only) | 17.4121% | 96 |
| Net charge-offs to loans | -0.0053% | 4,137 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2468% | 4,442 |
| Assets per employee ($millions) | 5.3302% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 3,001 |
| Loan loss allowance to noncurrent loans | 54.9550% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 1.3423% | 925 |
| Noncurrent loans to loans | 2.0267% | 698 |
| Net loans and leases to total assets | 64.6592% | 3,273 |
| Net loans and leases to deposits | 73.6579% | 3,550 |
| Net loans and leases to core deposits | 74.7044% | 3,846 |
| Total domestic deposits to total assets | 87.7831% | 1,205 |
| Equity capital to assets | 11.6694% | 2,472 |
| Core capital (leverage) ratio | 11.4011% | 2,242 |
| Tier 1 risk-based capital ratio | 16.2083% | 2,324 |
| Total risk-based capital ratio | 17.2198% | 2,369 |
| Memoranda: | ||
| Average total assets | $61,142,330 | 4,672 |
| Average earning assets | $58,668,000 | 4,631 |
| Average equity | $6,558,670 | 4,774 |
| Average total loans | $37,702,000 | 4,550 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1762% | 3,938 |
| Cost of funding earning assets | 0.4410% | 4,327 |
| Net interest margin | 3.7352% | 2,764 |
| Noninterest income to average assets | 0.3654% | 3,409 |
| Noninterest expense to average assets | 2.0770% | 4,502 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8719% | 488 |
| Return on assets (ROA) | 1.8719% | 503 |
| Pretax return on assets | 1.8719% | 846 |
| Return on Equity (ROE) | 18.2017% | 377 |
| Retained earnings to average equity (ytd only) | 18.2017% | 136 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5974% | 4,651 |
| Assets per employee ($millions) | 5.5383% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 2,702 |
| Loan loss allowance to noncurrent loans | 124.5614% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.5778% | 2,341 |
| Noncurrent loans to loans | 0.9451% | 1,770 |
| Net loans and leases to total assets | 58.7006% | 3,812 |
| Net loans and leases to deposits | 66.1359% | 4,041 |
| Net loans and leases to core deposits | 67.4469% | 4,212 |
| Total domestic deposits to total assets | 88.7576% | 976 |
| Equity capital to assets | 10.7730% | 3,071 |
| Core capital (leverage) ratio | 10.4675% | 3,083 |
| Tier 1 risk-based capital ratio | 16.2113% | 2,360 |
| Total risk-based capital ratio | 17.2636% | 2,382 |
| Memoranda: | ||
| Average total assets | $62,397,500 | 4,695 |
| Average earning assets | $59,863,000 | 4,652 |
| Average equity | $6,417,000 | 4,828 |
| Average total loans | $37,384,000 | 4,608 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9105% | 4,252 |
| Cost of funding earning assets | 0.3083% | 4,532 |
| Net interest margin | 3.6022% | 3,375 |
| Noninterest income to average assets | 0.3535% | 3,738 |
| Noninterest expense to average assets | 2.1791% | 4,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6251% | 824 |
| Return on assets (ROA) | 1.6251% | 816 |
| Pretax return on assets | 1.6251% | 1,393 |
| Return on Equity (ROE) | 17.1867% | 476 |
| Retained earnings to average equity (ytd only) | 5.8584% | 2,263 |
| Net charge-offs to loans | 0.3136% | 621 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 9.7431% | 2,786 |
| Efficiency ratio | 57.2808% | 4,253 |
| Assets per employee ($millions) | 5.8067% | 1,672 |
| Cash dividends to net income (ytd only)* | 65.9134% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 3,075 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 4,802 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 59.7348% | 3,808 |
| Net loans and leases to deposits | 66.4999% | 4,081 |
| Net loans and leases to core deposits | 67.1909% | 4,286 |
| Total domestic deposits to total assets | 89.8268% | 533 |
| Equity capital to assets | 9.8178% | 3,844 |
| Core capital (leverage) ratio | 9.9212% | 3,676 |
| Tier 1 risk-based capital ratio | 14.6184% | 3,010 |
| Total risk-based capital ratio | 15.6115% | 3,049 |
| Memoranda: | ||
| Average total assets | $65,348,000 | 4,672 |
| Average earning assets | $62,600,600 | 4,619 |
| Average equity | $6,179,200 | 4,869 |
| Average total loans | $34,757,400 | 4,695 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7329% | 4,587 |
| Cost of funding earning assets | 0.2964% | 4,547 |
| Net interest margin | 3.4365% | 3,906 |
| Noninterest income to average assets | 0.3693% | 3,661 |
| Noninterest expense to average assets | 1.9295% | 4,860 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7327% | 699 |
| Return on assets (ROA) | 1.7327% | 705 |
| Pretax return on assets | 1.7327% | 1,198 |
| Return on Equity (ROE) | 18.4957% | 379 |
| Retained earnings to average equity (ytd only) | 3.3353% | 4,084 |
| Net charge-offs to loans | 0.4970% | 319 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 6.7776% | 2,851 |
| Efficiency ratio | 52.6870% | 4,736 |
| Assets per employee ($millions) | 5.7898% | 1,653 |
| Cash dividends to net income (ytd only)* | 81.9671% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 3,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 4,911 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 56.8129% | 4,151 |
| Net loans and leases to deposits | 63.1620% | 4,378 |
| Net loans and leases to core deposits | 63.8159% | 4,530 |
| Total domestic deposits to total assets | 89.9479% | 527 |
| Equity capital to assets | 9.5198% | 4,062 |
| Core capital (leverage) ratio | 9.2175% | 4,497 |
| Tier 1 risk-based capital ratio | 14.6442% | 3,047 |
| Total risk-based capital ratio | 15.6321% | 3,092 |
| Memoranda: | ||
| Average total assets | $65,716,500 | 4,706 |
| Average earning assets | $62,970,000 | 4,654 |
| Average equity | $6,156,250 | 4,927 |
| Average total loans | $33,801,500 | 4,771 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5638% | 4,823 |
| Cost of funding earning assets | 0.2833% | 4,542 |
| Net interest margin | 3.2804% | 4,308 |
| Noninterest income to average assets | 0.4037% | 3,456 |
| Noninterest expense to average assets | 1.9821% | 4,829 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5604% | 1,009 |
| Return on assets (ROA) | 1.5604% | 1,016 |
| Pretax return on assets | 1.5604% | 1,634 |
| Return on Equity (ROE) | 16.7439% | 556 |
| Retained earnings to average equity (ytd only) | 16.7439% | 130 |
| Net charge-offs to loans | 0.7666% | 185 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 4.1111% | 2,820 |
| Efficiency ratio | 55.9524% | 4,482 |
| Assets per employee ($millions) | 5.8648% | 1,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2250% | 2,576 |
| Loan loss allowance to noncurrent loans | 216.4021% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.3317% | 3,432 |
| Noncurrent loans to loans | 0.5661% | 2,719 |
| Net loans and leases to total assets | 51.1215% | 4,536 |
| Net loans and leases to deposits | 57.0835% | 4,690 |
| Net loans and leases to core deposits | 57.6674% | 4,805 |
| Total domestic deposits to total assets | 89.5556% | 722 |
| Equity capital to assets | 9.9623% | 3,662 |
| Core capital (leverage) ratio | 10.3038% | 3,234 |
| Tier 1 risk-based capital ratio | 16.4235% | 2,281 |
| Total risk-based capital ratio | 17.4686% | 2,304 |
| Memoranda: | ||
| Average total assets | $66,392,670 | 4,751 |
| Average earning assets | $63,528,000 | 4,698 |
| Average equity | $6,187,330 | 4,977 |
| Average total loans | $32,871,330 | 4,843 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4559% | 4,940 |
| Cost of funding earning assets | 0.2740% | 4,552 |
| Net interest margin | 3.1819% | 4,526 |
| Noninterest income to average assets | 0.3624% | 3,720 |
| Noninterest expense to average assets | 1.8832% | 5,045 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5149% | 1,048 |
| Return on assets (ROA) | 1.5149% | 1,047 |
| Pretax return on assets | 1.5149% | 1,648 |
| Return on Equity (ROE) | 16.8109% | 529 |
| Retained earnings to average equity (ytd only) | 16.8109% | 199 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4196% | 4,655 |
| Assets per employee ($millions) | 6.8714% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6791% | 996 |
| Loan loss allowance to noncurrent loans | 417.9688% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.2227% | 3,986 |
| Noncurrent loans to loans | 0.4017% | 3,341 |
| Net loans and leases to total assets | 45.5919% | 4,815 |
| Net loans and leases to deposits | 50.3318% | 4,947 |
| Net loans and leases to core deposits | 50.8077% | 5,019 |
| Total domestic deposits to total assets | 90.5827% | 447 |
| Equity capital to assets | 9.0156% | 4,536 |
| Core capital (leverage) ratio | 9.4195% | 4,160 |
| Tier 1 risk-based capital ratio | 16.1202% | 2,419 |
| Total risk-based capital ratio | 17.3718% | 2,369 |
| Memoranda: | ||
| Average total assets | $67,332,500 | 4,790 |
| Average earning assets | $64,237,500 | 4,743 |
| Average equity | $6,067,500 | 5,046 |
| Average total loans | $32,612,500 | 4,902 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8195% | 3,986 |
| Cost of funding earning assets | 0.2624% | 4,460 |
| Net interest margin | 3.5571% | 3,313 |
| Noninterest income to average assets | 0.3604% | 3,889 |
| Noninterest expense to average assets | 2.1532% | 4,640 |
| Loan and lease loss provision to assets | 0.1709% | 1,284 |
| Net operating income to assets | 1.4479% | 911 |
| Return on assets (ROA) | 1.4479% | 926 |
| Pretax return on assets | 1.4479% | 1,824 |
| Return on Equity (ROE) | 16.0193% | 480 |
| Retained earnings to average equity (ytd only) | 7.4252% | 947 |
| Net charge-offs to loans | 0.1244% | 1,808 |
| Credit loss provision to net charge-offs | 275.0000% | 1,015 |
| Earnings coverage of net charge-offs (x) | 26.0500% | 1,692 |
| Efficiency ratio | 57.0840% | 4,645 |
| Assets per employee ($millions) | 5.9955% | 1,516 |
| Cash dividends to net income (ytd only)* | 53.6481% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6036% | 1,140 |
| Loan loss allowance to noncurrent loans | 204.9808% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.4337% | 3,133 |
| Noncurrent loans to loans | 0.7823% | 2,265 |
| Net loans and leases to total assets | 49.7748% | 4,657 |
| Net loans and leases to deposits | 54.8424% | 4,858 |
| Net loans and leases to core deposits | 55.3809% | 4,956 |
| Total domestic deposits to total assets | 90.7598% | 317 |
| Equity capital to assets | 9.0067% | 4,717 |
| Core capital (leverage) ratio | 9.0333% | 4,611 |
| Tier 1 risk-based capital ratio | 14.8366% | 2,908 |
| Total risk-based capital ratio | 16.0855% | 2,850 |
| Memoranda: | ||
| Average total assets | $64,368,600 | 4,870 |
| Average earning assets | $61,736,400 | 4,821 |
| Average equity | $5,818,000 | 5,128 |
| Average total loans | $32,161,200 | 4,964 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3387% | 5,058 |
| Cost of funding earning assets | 0.2630% | 4,452 |
| Net interest margin | 3.0757% | 4,766 |
| Noninterest income to average assets | 0.3501% | 4,030 |
| Noninterest expense to average assets | 2.0258% | 4,900 |
| Loan and lease loss provision to assets | 0.0625% | 2,821 |
| Net operating income to assets | 1.2109% | 1,648 |
| Return on assets (ROA) | 1.2109% | 1,680 |
| Pretax return on assets | 1.2109% | 2,858 |
| Return on Equity (ROE) | 13.3849% | 962 |
| Retained earnings to average equity (ytd only) | 13.3849% | 188 |
| Net charge-offs to loans | 0.1841% | 1,146 |
| Credit loss provision to net charge-offs | 68.1818% | 2,712 |
| Earnings coverage of net charge-offs (x) | 13.8853% | 2,329 |
| Efficiency ratio | 61.4024% | 3,972 |
| Assets per employee ($millions) | 5.8639% | 1,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 2,020 |
| Loan loss allowance to noncurrent loans | 131.1047% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 2,811 |
| Noncurrent loans to loans | 1.0458% | 1,850 |
| Net loans and leases to total assets | 50.2938% | 4,678 |
| Net loans and leases to deposits | 55.7367% | 4,882 |
| Net loans and leases to core deposits | 56.2977% | 4,986 |
| Total domestic deposits to total assets | 90.2346% | 400 |
| Equity capital to assets | 9.4399% | 4,498 |
| Core capital (leverage) ratio | 9.4955% | 4,176 |
| Tier 1 risk-based capital ratio | 15.4086% | 2,744 |
| Total risk-based capital ratio | 16.5498% | 2,732 |
| Memoranda: | ||
| Average total assets | $63,973,000 | 4,932 |
| Average earning assets | $61,340,250 | 4,880 |
| Average equity | $5,787,500 | 5,193 |
| Average total loans | $31,861,000 | 5,020 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2216% | 5,207 |
| Cost of funding earning assets | 0.2614% | 4,450 |
| Net interest margin | 2.9602% | 4,989 |
| Noninterest income to average assets | 0.3511% | 4,043 |
| Noninterest expense to average assets | 2.0158% | 4,946 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1756% | 1,685 |
| Return on assets (ROA) | 1.1756% | 1,721 |
| Pretax return on assets | 1.1756% | 2,871 |
| Return on Equity (ROE) | 13.1880% | 984 |
| Retained earnings to average equity (ytd only) | 13.1880% | 240 |
| Net charge-offs to loans | 0.2602% | 791 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 9.1463% | 2,461 |
| Efficiency ratio | 63.1631% | 3,805 |
| Assets per employee ($millions) | 5.6538% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3050% | 2,386 |
| Loan loss allowance to noncurrent loans | 109.0206% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.6641% | 2,551 |
| Noncurrent loans to loans | 1.1971% | 1,628 |
| Net loans and leases to total assets | 51.4375% | 4,616 |
| Net loans and leases to deposits | 56.9856% | 4,804 |
| Net loans and leases to core deposits | 57.5795% | 4,931 |
| Total domestic deposits to total assets | 90.2640% | 441 |
| Equity capital to assets | 9.4594% | 4,442 |
| Core capital (leverage) ratio | 9.1918% | 4,502 |
| Tier 1 risk-based capital ratio | 15.2944% | 2,801 |
| Total risk-based capital ratio | 16.3941% | 2,799 |
| Memoranda: | ||
| Average total assets | $63,796,330 | 4,976 |
| Average earning assets | $61,212,000 | 4,917 |
| Average equity | $5,687,000 | 5,242 |
| Average total loans | $31,517,330 | 5,062 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0889% | 5,377 |
| Cost of funding earning assets | 0.2644% | 4,412 |
| Net interest margin | 2.8245% | 5,206 |
| Noninterest income to average assets | 0.3468% | 4,070 |
| Noninterest expense to average assets | 1.7709% | 5,415 |
| Loan and lease loss provision to assets | 0.2725% | 530 |
| Net operating income to assets | 1.0155% | 2,243 |
| Return on assets (ROA) | 1.0155% | 2,296 |
| Pretax return on assets | 1.0155% | 3,302 |
| Return on Equity (ROE) | 11.7373% | 1,327 |
| Retained earnings to average equity (ytd only) | 11.7373% | 502 |
| Net charge-offs to loans | 0.5536% | 320 |
| Credit loss provision to net charge-offs | 102.3256% | 1,542 |
| Earnings coverage of net charge-offs (x) | 4.8372% | 2,344 |
| Efficiency ratio | 57.8947% | 4,729 |
| Assets per employee ($millions) | 5.9200% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 1,573 |
| Loan loss allowance to noncurrent loans | 86.4564% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 0.8661% | 2,144 |
| Noncurrent loans to loans | 1.7723% | 1,066 |
| Net loans and leases to total assets | 45.9874% | 4,942 |
| Net loans and leases to deposits | 50.4974% | 5,100 |
| Net loans and leases to core deposits | 50.9944% | 5,189 |
| Total domestic deposits to total assets | 91.0688% | 285 |
| Equity capital to assets | 8.7085% | 5,069 |
| Core capital (leverage) ratio | 8.8788% | 4,870 |
| Tier 1 risk-based capital ratio | 15.0941% | 2,924 |
| Total risk-based capital ratio | 16.3344% | 2,859 |
| Memoranda: | ||
| Average total assets | $64,598,500 | 5,018 |
| Average earning assets | $62,028,500 | 4,950 |
| Average equity | $5,589,000 | 5,307 |
| Average total loans | $31,069,500 | 5,125 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2310% | 5,256 |
| Cost of funding earning assets | 0.2681% | 4,387 |
| Net interest margin | 2.9629% | 5,027 |
| Noninterest income to average assets | 0.3231% | 4,427 |
| Noninterest expense to average assets | 2.0001% | 5,186 |
| Loan and lease loss provision to assets | 0.1292% | 1,924 |
| Net operating income to assets | 1.0323% | 2,218 |
| Return on assets (ROA) | 1.0323% | 2,318 |
| Pretax return on assets | 1.0323% | 3,355 |
| Return on Equity (ROE) | 11.5706% | 1,374 |
| Retained earnings to average equity (ytd only) | 3.9655% | 3,099 |
| Net charge-offs to loans | 0.0761% | 2,613 |
| Credit loss provision to net charge-offs | 347.8261% | 879 |
| Earnings coverage of net charge-offs (x) | 31.2609% | 1,393 |
| Efficiency ratio | 63.2601% | 4,065 |
| Assets per employee ($millions) | 5.8252% | 1,599 |
| Cash dividends to net income (ytd only)* | 65.7277% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 1,830 |
| Loan loss allowance to noncurrent loans | 98.9339% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 0.7709% | 2,425 |
| Noncurrent loans to loans | 1.4783% | 1,368 |
| Net loans and leases to total assets | 48.7882% | 4,845 |
| Net loans and leases to deposits | 53.5886% | 5,032 |
| Net loans and leases to core deposits | 53.8230% | 5,156 |
| Total domestic deposits to total assets | 91.0420% | 268 |
| Equity capital to assets | 8.5943% | 5,196 |
| Core capital (leverage) ratio | 8.6826% | 5,095 |
| Tier 1 risk-based capital ratio | 14.3054% | 3,280 |
| Total risk-based capital ratio | 15.5107% | 3,235 |
| Memoranda: | ||
| Average total assets | $61,898,000 | 5,092 |
| Average earning assets | $59,300,800 | 5,038 |
| Average equity | $5,522,600 | 5,362 |
| Average total loans | $30,219,800 | 5,179 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1801% | 5,390 |
| Cost of funding earning assets | 0.2680% | 4,411 |
| Net interest margin | 2.9120% | 5,169 |
| Noninterest income to average assets | 0.3781% | 4,078 |
| Noninterest expense to average assets | 1.9254% | 5,339 |
| Loan and lease loss provision to assets | 0.1738% | 1,294 |
| Net operating income to assets | 1.0648% | 2,146 |
| Return on assets (ROA) | 1.0648% | 2,250 |
| Pretax return on assets | 1.0648% | 3,375 |
| Return on Equity (ROE) | 11.8216% | 1,383 |
| Retained earnings to average equity (ytd only) | 11.8216% | 329 |
| Net charge-offs to loans | 0.1028% | 1,918 |
| Credit loss provision to net charge-offs | 347.8261% | 933 |
| Earnings coverage of net charge-offs (x) | 24.7793% | 1,658 |
| Efficiency ratio | 60.8516% | 4,419 |
| Assets per employee ($millions) | 5.6258% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 1,759 |
| Loan loss allowance to noncurrent loans | 89.5349% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 0.8742% | 2,366 |
| Noncurrent loans to loans | 1.6777% | 1,258 |
| Net loans and leases to total assets | 48.9529% | 4,897 |
| Net loans and leases to deposits | 54.1448% | 5,103 |
| Net loans and leases to core deposits | 54.3917% | 5,214 |
| Total domestic deposits to total assets | 90.4111% | 344 |
| Equity capital to assets | 9.3384% | 4,832 |
| Core capital (leverage) ratio | 9.2627% | 4,516 |
| Tier 1 risk-based capital ratio | 15.7612% | 2,719 |
| Total risk-based capital ratio | 16.9967% | 2,659 |
| Memoranda: | ||
| Average total assets | $61,353,250 | 5,156 |
| Average earning assets | $58,697,750 | 5,098 |
| Average equity | $5,526,500 | 5,415 |
| Average total loans | $29,843,250 | 5,241 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2091% | 5,417 |
| Cost of funding earning assets | 0.2700% | 4,435 |
| Net interest margin | 2.9391% | 5,190 |
| Noninterest income to average assets | 0.3727% | 4,081 |
| Noninterest expense to average assets | 1.9942% | 5,280 |
| Loan and lease loss provision to assets | 0.1962% | 1,102 |
| Net operating income to assets | 0.9938% | 2,420 |
| Return on assets (ROA) | 0.9938% | 2,559 |
| Pretax return on assets | 0.9938% | 3,613 |
| Return on Equity (ROE) | 11.1717% | 1,582 |
| Retained earnings to average equity (ytd only) | 11.1717% | 422 |
| Net charge-offs to loans | -0.2234% | 5,830 |
| Credit loss provision to net charge-offs | -181.8182% | 4,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6283% | 4,244 |
| Assets per employee ($millions) | 5.5805% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6603% | 1,368 |
| Loan loss allowance to noncurrent loans | 239.9038% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 3,968 |
| Noncurrent loans to loans | 0.6921% | 3,004 |
| Net loans and leases to total assets | 48.1486% | 4,982 |
| Net loans and leases to deposits | 53.0895% | 5,189 |
| Net loans and leases to core deposits | 53.3319% | 5,308 |
| Total domestic deposits to total assets | 90.6932% | 261 |
| Equity capital to assets | 9.1097% | 5,152 |
| Core capital (leverage) ratio | 9.0189% | 4,806 |
| Tier 1 risk-based capital ratio | 15.6240% | 2,814 |
| Total risk-based capital ratio | 16.8758% | 2,747 |
| Memoranda: | ||
| Average total assets | $61,176,330 | 5,218 |
| Average earning assets | $58,521,670 | 5,145 |
| Average equity | $5,442,330 | 5,485 |
| Average total loans | $29,539,000 | 5,310 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1733% | 5,526 |
| Cost of funding earning assets | 0.2599% | 4,610 |
| Net interest margin | 2.9134% | 5,302 |
| Noninterest income to average assets | 0.3602% | 4,151 |
| Noninterest expense to average assets | 1.9190% | 5,497 |
| Loan and lease loss provision to assets | 0.1965% | 1,000 |
| Net operating income to assets | 1.0348% | 2,141 |
| Return on assets (ROA) | 1.0348% | 2,262 |
| Pretax return on assets | 1.0348% | 3,339 |
| Return on Equity (ROE) | 11.7746% | 1,378 |
| Retained earnings to average equity (ytd only) | 11.7746% | 535 |
| Net charge-offs to loans | 0.0546% | 1,976 |
| Credit loss provision to net charge-offs | 750.0000% | 450 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 918 |
| Efficiency ratio | 60.9148% | 4,611 |
| Assets per employee ($millions) | 6.0839% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4977% | 1,994 |
| Loan loss allowance to noncurrent loans | 191.1111% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.4109% | 3,947 |
| Noncurrent loans to loans | 0.7837% | 2,884 |
| Net loans and leases to total assets | 46.4850% | 5,086 |
| Net loans and leases to deposits | 51.1762% | 5,265 |
| Net loans and leases to core deposits | 51.4107% | 5,388 |
| Total domestic deposits to total assets | 90.8332% | 319 |
| Equity capital to assets | 8.9531% | 5,214 |
| Core capital (leverage) ratio | 8.9607% | 4,910 |
| Tier 1 risk-based capital ratio | 17.7323% | 2,059 |
| Total risk-based capital ratio | 18.9856% | 2,024 |
| Memoranda: | ||
| Average total assets | $61,072,000 | 5,269 |
| Average earning assets | $58,487,500 | 5,200 |
| Average equity | $5,367,500 | 5,538 |
| Average total loans | $29,281,000 | 5,364 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2523% | 5,430 |
| Cost of funding earning assets | 0.2665% | 4,627 |
| Net interest margin | 2.9858% | 5,174 |
| Noninterest income to average assets | 0.3298% | 4,541 |
| Noninterest expense to average assets | 2.0338% | 5,389 |
| Loan and lease loss provision to assets | 0.3664% | 390 |
| Net operating income to assets | 0.7662% | 3,485 |
| Return on assets (ROA) | 0.7662% | 3,575 |
| Pretax return on assets | 0.7662% | 4,311 |
| Return on Equity (ROE) | 8.6359% | 2,653 |
| Retained earnings to average equity (ytd only) | 3.0038% | 3,924 |
| Net charge-offs to loans | 0.3859% | 746 |
| Credit loss provision to net charge-offs | 194.6903% | 1,427 |
| Earnings coverage of net charge-offs (x) | 6.0177% | 3,292 |
| Efficiency ratio | 64.2294% | 4,211 |
| Assets per employee ($millions) | 5.5732% | 1,718 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3668% | 2,576 |
| Loan loss allowance to noncurrent loans | 429.4737% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 4,813 |
| Noncurrent loans to loans | 0.3182% | 4,321 |
| Net loans and leases to total assets | 48.0271% | 5,011 |
| Net loans and leases to deposits | 52.6426% | 5,248 |
| Net loans and leases to core deposits | 53.1462% | 5,365 |
| Total domestic deposits to total assets | 91.2324% | 232 |
| Equity capital to assets | 8.6257% | 5,446 |
| Core capital (leverage) ratio | 8.9475% | 4,946 |
| Tier 1 risk-based capital ratio | 15.6085% | 2,878 |
| Total risk-based capital ratio | 16.8128% | 2,833 |
| Memoranda: | ||
| Average total assets | $60,036,000 | 5,317 |
| Average earning assets | $57,036,600 | 5,265 |
| Average equity | $5,326,600 | 5,578 |
| Average total loans | $29,279,000 | 5,390 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2571% | 5,490 |
| Cost of funding earning assets | 0.2612% | 4,763 |
| Net interest margin | 2.9959% | 5,200 |
| Noninterest income to average assets | 0.3148% | 4,688 |
| Noninterest expense to average assets | 1.9312% | 5,595 |
| Loan and lease loss provision to assets | 0.3572% | 372 |
| Net operating income to assets | 0.8685% | 3,092 |
| Return on assets (ROA) | 0.8685% | 3,182 |
| Pretax return on assets | 0.8685% | 4,096 |
| Return on Equity (ROE) | 9.7194% | 2,209 |
| Retained earnings to average equity (ytd only) | 9.7194% | 686 |
| Net charge-offs to loans | 0.5354% | 433 |
| Credit loss provision to net charge-offs | 136.7521% | 1,801 |
| Earnings coverage of net charge-offs (x) | 4.6922% | 3,312 |
| Efficiency ratio | 61.1740% | 4,695 |
| Assets per employee ($millions) | 5.4058% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 3,585 |
| Loan loss allowance to noncurrent loans | 215.0000% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.3111% | 4,519 |
| Noncurrent loans to loans | 0.5631% | 3,652 |
| Net loans and leases to total assets | 47.2067% | 5,139 |
| Net loans and leases to deposits | 52.1698% | 5,361 |
| Net loans and leases to core deposits | 52.4143% | 5,483 |
| Total domestic deposits to total assets | 90.4867% | 388 |
| Equity capital to assets | 9.2762% | 5,027 |
| Core capital (leverage) ratio | 9.2504% | 4,663 |
| Tier 1 risk-based capital ratio | 17.2845% | 2,261 |
| Total risk-based capital ratio | 18.3624% | 2,279 |
| Memoranda: | ||
| Average total assets | $59,718,750 | 5,395 |
| Average earning assets | $56,653,750 | 5,346 |
| Average equity | $5,336,250 | 5,646 |
| Average total loans | $29,136,000 | 5,460 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2323% | 5,568 |
| Cost of funding earning assets | 0.2644% | 4,781 |
| Net interest margin | 2.9679% | 5,295 |
| Noninterest income to average assets | 0.3445% | 4,492 |
| Noninterest expense to average assets | 1.9230% | 5,673 |
| Loan and lease loss provision to assets | 0.4013% | 293 |
| Net operating income to assets | 0.8361% | 3,191 |
| Return on assets (ROA) | 0.8361% | 3,306 |
| Pretax return on assets | 0.8361% | 4,181 |
| Return on Equity (ROE) | 9.4763% | 2,310 |
| Retained earnings to average equity (ytd only) | 9.4763% | 786 |
| Net charge-offs to loans | 0.0272% | 3,128 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 92.5000% | 633 |
| Efficiency ratio | 60.8466% | 4,856 |
| Assets per employee ($millions) | 4.7916% | 2,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 2,496 |
| Loan loss allowance to noncurrent loans | 83.2335% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 0.9148% | 2,700 |
| Noncurrent loans to loans | 1.7455% | 1,471 |
| Net loans and leases to total assets | 49.1939% | 4,999 |
| Net loans and leases to deposits | 54.3721% | 5,231 |
| Net loans and leases to core deposits | 54.6769% | 5,386 |
| Total domestic deposits to total assets | 90.4764% | 466 |
| Equity capital to assets | 9.3532% | 4,838 |
| Core capital (leverage) ratio | 9.0430% | 4,899 |
| Tier 1 risk-based capital ratio | 11.7924% | 5,285 |
| Total risk-based capital ratio | 12.7196% | 5,403 |
| Memoranda: | ||
| Average total assets | $59,803,670 | 5,455 |
| Average earning assets | $56,739,670 | 5,402 |
| Average equity | $5,276,330 | 5,711 |
| Average total loans | $29,376,330 | 5,497 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2348% | 5,588 |
| Cost of funding earning assets | 0.2621% | 4,877 |
| Net interest margin | 2.9727% | 5,288 |
| Noninterest income to average assets | 0.3215% | 4,617 |
| Noninterest expense to average assets | 1.8702% | 5,798 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2796% | 1,339 |
| Return on assets (ROA) | 1.2796% | 1,419 |
| Pretax return on assets | 1.2796% | 2,358 |
| Return on Equity (ROE) | 14.9268% | 720 |
| Retained earnings to average equity (ytd only) | 14.9268% | 291 |
| Net charge-offs to loans | -0.0135% | 4,856 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3750% | 5,173 |
| Assets per employee ($millions) | 4.6919% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 4,709 |
| Loan loss allowance to noncurrent loans | 108.2437% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 4,031 |
| Noncurrent loans to loans | 0.9789% | 2,810 |
| Net loans and leases to total assets | 46.2317% | 5,185 |
| Net loans and leases to deposits | 50.7578% | 5,409 |
| Net loans and leases to core deposits | 51.0703% | 5,538 |
| Total domestic deposits to total assets | 91.0829% | 341 |
| Equity capital to assets | 8.7269% | 5,558 |
| Core capital (leverage) ratio | 8.6899% | 5,336 |
| Tier 1 risk-based capital ratio | 94.5639% | 57 |
| Total risk-based capital ratio | 103.2333% | 54 |
| Memoranda: | ||
| Average total assets | $60,956,000 | 5,482 |
| Average earning assets | $57,993,500 | 5,419 |
| Average equity | $5,225,500 | 5,775 |
| Average total loans | $29,713,000 | 5,522 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1227% | 5,924 |
| Cost of funding earning assets | 0.2861% | 4,939 |
| Net interest margin | 2.8365% | 5,755 |
| Noninterest income to average assets | 0.4307% | 3,965 |
| Noninterest expense to average assets | 2.1566% | 5,442 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9278% | 2,738 |
| Return on assets (ROA) | 0.9278% | 2,828 |
| Pretax return on assets | 0.9278% | 3,788 |
| Return on Equity (ROE) | 10.8265% | 1,776 |
| Retained earnings to average equity (ytd only) | 3.0656% | 4,062 |
| Net charge-offs to loans | 0.5745% | 702 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.4875% | 3,880 |
| Efficiency ratio | 69.9191% | 3,541 |
| Assets per employee ($millions) | 4.6859% | 2,748 |
| Cash dividends to net income (ytd only)* | 71.6846% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9701% | 5,200 |
| Loan loss allowance to noncurrent loans | 51.4580% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 0.9981% | 2,752 |
| Noncurrent loans to loans | 1.8852% | 1,500 |
| Net loans and leases to total assets | 50.2733% | 4,945 |
| Net loans and leases to deposits | 54.9732% | 5,248 |
| Net loans and leases to core deposits | 54.9732% | 5,443 |
| Total domestic deposits to total assets | 91.4507% | 240 |
| Equity capital to assets | 8.4180% | 5,815 |
| Core capital (leverage) ratio | 8.4718% | 5,580 |
| Tier 1 risk-based capital ratio | 14.1677% | 3,989 |
| Total risk-based capital ratio | 14.9965% | 4,205 |
| Memoranda: | ||
| Average total assets | $60,140,800 | 5,545 |
| Average earning assets | $56,266,000 | 5,513 |
| Average equity | $5,154,000 | 5,821 |
| Average total loans | $27,848,200 | 5,659 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0085% | 6,132 |
| Cost of funding earning assets | 0.2932% | 4,947 |
| Net interest margin | 2.7153% | 5,987 |
| Noninterest income to average assets | 0.4026% | 4,227 |
| Noninterest expense to average assets | 1.9417% | 5,877 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9942% | 2,474 |
| Return on assets (ROA) | 0.9942% | 2,540 |
| Pretax return on assets | 0.9942% | 3,616 |
| Return on Equity (ROE) | 11.5491% | 1,610 |
| Retained earnings to average equity (ytd only) | 11.5491% | 451 |
| Net charge-offs to loans | 0.4924% | 791 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 4.4700% | 3,449 |
| Efficiency ratio | 66.1364% | 4,196 |
| Assets per employee ($millions) | 5.0093% | 2,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 3,736 |
| Loan loss allowance to noncurrent loans | 92.5450% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 0.6887% | 3,759 |
| Noncurrent loans to loans | 1.3862% | 2,334 |
| Net loans and leases to total assets | 46.0864% | 5,367 |
| Net loans and leases to deposits | 50.7344% | 5,601 |
| Net loans and leases to core deposits | 50.7344% | 5,754 |
| Total domestic deposits to total assets | 90.8386% | 408 |
| Equity capital to assets | 9.0133% | 5,338 |
| Core capital (leverage) ratio | 8.3821% | 5,776 |
| Tier 1 risk-based capital ratio | 16.0896% | 3,018 |
| Total risk-based capital ratio | 17.1586% | 3,047 |
| Memoranda: | ||
| Average total assets | $59,946,750 | 5,609 |
| Average earning assets | $55,929,000 | 5,583 |
| Average equity | $5,160,500 | 5,883 |
| Average total loans | $27,079,000 | 5,750 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8406% | 6,307 |
| Cost of funding earning assets | 0.2952% | 5,014 |
| Net interest margin | 2.5453% | 6,226 |
| Noninterest income to average assets | 0.3339% | 4,752 |
| Noninterest expense to average assets | 1.8667% | 6,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8282% | 3,184 |
| Return on assets (ROA) | 0.8282% | 3,281 |
| Pretax return on assets | 0.8282% | 4,163 |
| Return on Equity (ROE) | 9.7740% | 2,253 |
| Retained earnings to average equity (ytd only) | 9.7740% | 772 |
| Net charge-offs to loans | 0.7701% | 492 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.4078% | 3,556 |
| Efficiency ratio | 69.2689% | 3,784 |
| Assets per employee ($millions) | 5.4408% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 4,217 |
| Loan loss allowance to noncurrent loans | 67.8707% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 0.8439% | 3,444 |
| Noncurrent loans to loans | 1.8268% | 1,879 |
| Net loans and leases to total assets | 43.5534% | 5,562 |
| Net loans and leases to deposits | 47.3997% | 5,802 |
| Net loans and leases to core deposits | 47.3997% | 5,928 |
| Total domestic deposits to total assets | 91.8854% | 187 |
| Equity capital to assets | 7.9936% | 6,159 |
| Core capital (leverage) ratio | 7.7604% | 6,227 |
| Tier 1 risk-based capital ratio | 14.8914% | 3,692 |
| Total risk-based capital ratio | 15.9101% | 3,784 |
| Memoranda: | ||
| Average total assets | $59,892,000 | 5,663 |
| Average earning assets | $55,552,330 | 5,640 |
| Average equity | $5,074,670 | 5,940 |
| Average total loans | $26,751,000 | 5,813 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5160% | 6,547 |
| Cost of funding earning assets | 0.2982% | 5,083 |
| Net interest margin | 2.2177% | 6,517 |
| Noninterest income to average assets | 0.3427% | 4,636 |
| Noninterest expense to average assets | 1.9163% | 6,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4546% | 4,914 |
| Return on assets (ROA) | 0.4546% | 4,986 |
| Pretax return on assets | 0.4546% | 5,298 |
| Return on Equity (ROE) | 5.1974% | 4,444 |
| Retained earnings to average equity (ytd only) | 5.1974% | 2,996 |
| Net charge-offs to loans | 1.8500% | 149 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.5462% | 3,323 |
| Efficiency ratio | 80.8260% | 2,076 |
| Assets per employee ($millions) | 5.4185% | 1,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 4,477 |
| Loan loss allowance to noncurrent loans | 83.3741% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 0.6161% | 4,281 |
| Noncurrent loans to loans | 1.4769% | 2,575 |
| Net loans and leases to total assets | 38.8316% | 5,885 |
| Net loans and leases to deposits | 41.8933% | 6,080 |
| Net loans and leases to core deposits | 41.8933% | 6,162 |
| Total domestic deposits to total assets | 92.6917% | 149 |
| Equity capital to assets | 7.1479% | 6,408 |
| Core capital (leverage) ratio | 11.0409% | 2,347 |
| Tier 1 risk-based capital ratio | 14.1175% | 4,251 |
| Total risk-based capital ratio | 15.0736% | 4,399 |
| Memoranda: | ||
| Average total assets | $57,193,000 | 5,786 |
| Average earning assets | $52,305,500 | 5,780 |
| Average equity | $5,002,500 | 5,996 |
| Average total loans | $25,730,000 | 5,902 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9248% | 4,368 |
| Cost of funding earning assets | 0.4221% | 4,411 |
| Net interest margin | 3.5028% | 3,898 |
| Noninterest income to average assets | 0.5034% | 3,730 |
| Noninterest expense to average assets | 2.3764% | 5,140 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3720% | 1,085 |
| Return on assets (ROA) | 1.3720% | 1,125 |
| Pretax return on assets | 1.3720% | 1,894 |
| Return on Equity (ROE) | 11.8753% | 1,461 |
| Retained earnings to average equity (ytd only) | 5.7958% | 2,101 |
| Net charge-offs to loans | -0.2394% | 6,644 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3979% | 4,996 |
| Assets per employee ($millions) | 4.3946% | 3,098 |
| Cash dividends to net income (ytd only)* | 51.1945% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9355% | 1,695 |
| Loan loss allowance to noncurrent loans | 88.1226% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 1.2470% | 2,927 |
| Noncurrent loans to loans | 2.1964% | 1,778 |
| Net loans and leases to total assets | 53.0333% | 4,721 |
| Net loans and leases to deposits | 59.8880% | 4,947 |
| Net loans and leases to core deposits | 60.3157% | 5,199 |
| Total domestic deposits to total assets | 88.5541% | 1,885 |
| Equity capital to assets | 11.3093% | 2,328 |
| Core capital (leverage) ratio | 11.7123% | 1,817 |
| Tier 1 risk-based capital ratio | 18.8186% | 1,974 |
| Total risk-based capital ratio | 20.0757% | 1,933 |
| Memoranda: | ||
| Average total assets | $42,711,200 | 6,205 |
| Average earning assets | $39,568,400 | 6,180 |
| Average equity | $4,934,600 | 6,079 |
| Average total loans | $23,394,200 | 6,062 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9623% | 4,275 |
| Cost of funding earning assets | 0.4358% | 4,444 |
| Net interest margin | 3.5266% | 3,767 |
| Noninterest income to average assets | 0.5314% | 3,579 |
| Noninterest expense to average assets | 2.4117% | 4,994 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4024% | 1,097 |
| Return on assets (ROA) | 1.4024% | 1,145 |
| Pretax return on assets | 1.4024% | 1,921 |
| Return on Equity (ROE) | 12.0723% | 1,454 |
| Retained earnings to average equity (ytd only) | 12.0723% | 413 |
| Net charge-offs to loans | -0.3090% | 6,730 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2317% | 4,936 |
| Assets per employee ($millions) | 4.1653% | 3,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9819% | 1,766 |
| Loan loss allowance to noncurrent loans | 125.4795% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.9387% | 3,789 |
| Noncurrent loans to loans | 1.5795% | 2,798 |
| Net loans and leases to total assets | 54.3802% | 4,549 |
| Net loans and leases to deposits | 62.2982% | 4,713 |
| Net loans and leases to core deposits | 62.7365% | 5,039 |
| Total domestic deposits to total assets | 87.2902% | 2,511 |
| Equity capital to assets | 12.3160% | 1,698 |
| Core capital (leverage) ratio | 12.2233% | 1,553 |
| Tier 1 risk-based capital ratio | 20.2943% | 1,658 |
| Total risk-based capital ratio | 21.5523% | 1,630 |
| Memoranda: | ||
| Average total assets | $42,402,500 | 6,283 |
| Average earning assets | $39,470,750 | 6,254 |
| Average equity | $4,925,750 | 6,160 |
| Average total loans | $23,301,250 | 6,129 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0226% | 4,025 |
| Cost of funding earning assets | 0.4554% | 4,369 |
| Net interest margin | 3.5672% | 3,489 |
| Noninterest income to average assets | 0.5768% | 3,341 |
| Noninterest expense to average assets | 2.3727% | 5,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5099% | 884 |
| Return on assets (ROA) | 1.5099% | 949 |
| Pretax return on assets | 1.5099% | 1,588 |
| Return on Equity (ROE) | 13.2574% | 1,179 |
| Retained earnings to average equity (ytd only) | 13.2574% | 353 |
| Net charge-offs to loans | -0.3766% | 6,790 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1111% | 5,309 |
| Assets per employee ($millions) | 4.1528% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9250% | 2,037 |
| Loan loss allowance to noncurrent loans | 92.5620% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.2305% | 3,289 |
| Noncurrent loans to loans | 2.0797% | 2,303 |
| Net loans and leases to total assets | 54.9629% | 4,451 |
| Net loans and leases to deposits | 62.7043% | 4,662 |
| Net loans and leases to core deposits | 63.2377% | 4,974 |
| Total domestic deposits to total assets | 87.6541% | 2,466 |
| Equity capital to assets | 12.0569% | 1,878 |
| Core capital (leverage) ratio | 11.7087% | 1,792 |
| Tier 1 risk-based capital ratio | 19.6924% | 1,799 |
| Total risk-based capital ratio | 20.9471% | 1,776 |
| Memoranda: | ||
| Average total assets | $42,652,330 | 6,326 |
| Average earning assets | $39,526,330 | 6,297 |
| Average equity | $4,857,670 | 6,225 |
| Average total loans | $23,365,330 | 6,159 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3754% | 2,609 |
| Cost of funding earning assets | 0.4638% | 4,442 |
| Net interest margin | 3.9117% | 2,079 |
| Noninterest income to average assets | 0.4721% | 3,978 |
| Noninterest expense to average assets | 2.2400% | 5,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8235% | 460 |
| Return on assets (ROA) | 1.8235% | 513 |
| Pretax return on assets | 1.8235% | 847 |
| Return on Equity (ROE) | 16.4750% | 555 |
| Retained earnings to average equity (ytd only) | 16.4750% | 249 |
| Net charge-offs to loans | -0.7689% | 6,905 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1253% | 6,142 |
| Assets per employee ($millions) | 4.3431% | 3,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9945% | 2,059 |
| Loan loss allowance to noncurrent loans | 82.0841% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.3907% | 3,186 |
| Noncurrent loans to loans | 2.4298% | 2,126 |
| Net loans and leases to total assets | 50.8001% | 4,878 |
| Net loans and leases to deposits | 57.3736% | 5,101 |
| Net loans and leases to core deposits | 57.9157% | 5,349 |
| Total domestic deposits to total assets | 88.5427% | 1,975 |
| Equity capital to assets | 11.2385% | 2,693 |
| Core capital (leverage) ratio | 10.8771% | 2,369 |
| Tier 1 risk-based capital ratio | 19.3660% | 1,946 |
| Total risk-based capital ratio | 20.6237% | 1,916 |
| Memoranda: | ||
| Average total assets | $43,214,500 | 6,368 |
| Average earning assets | $39,676,000 | 6,346 |
| Average equity | $4,783,000 | 6,308 |
| Average total loans | $23,411,500 | 6,202 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1418% | 4,800 |
| Cost of funding earning assets | 0.7085% | 3,432 |
| Net interest margin | 3.4333% | 4,766 |
| Noninterest income to average assets | 0.5637% | 3,489 |
| Noninterest expense to average assets | 2.4466% | 5,267 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2898% | 1,333 |
| Return on assets (ROA) | 1.2898% | 1,483 |
| Pretax return on assets | 1.2898% | 2,452 |
| Return on Equity (ROE) | 11.0293% | 1,798 |
| Retained earnings to average equity (ytd only) | 2.6100% | 4,394 |
| Net charge-offs to loans | -0.0463% | 6,692 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4809% | 4,604 |
| Assets per employee ($millions) | 4.2998% | 3,358 |
| Cash dividends to net income (ytd only)* | 76.3359% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6618% | 3,080 |
| Loan loss allowance to noncurrent loans | 73.0561% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 2.0978% | 2,336 |
| Noncurrent loans to loans | 2.2747% | 2,378 |
| Net loans and leases to total assets | 55.6003% | 4,362 |
| Net loans and leases to deposits | 62.5101% | 4,724 |
| Net loans and leases to core deposits | 63.1992% | 5,041 |
| Total domestic deposits to total assets | 88.9460% | 1,600 |
| Equity capital to assets | 10.8959% | 3,073 |
| Core capital (leverage) ratio | 10.9997% | 2,253 |
| Tier 1 risk-based capital ratio | 17.3281% | 2,515 |
| Total risk-based capital ratio | 18.5819% | 2,486 |
| Memoranda: | ||
| Average total assets | $40,628,000 | 6,483 |
| Average earning assets | $37,544,000 | 6,450 |
| Average equity | $4,751,000 | 6,368 |
| Average total loans | $23,757,800 | 6,250 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1039% | 5,174 |
| Cost of funding earning assets | 0.7348% | 3,479 |
| Net interest margin | 3.3691% | 5,142 |
| Noninterest income to average assets | 0.5928% | 3,330 |
| Noninterest expense to average assets | 2.3212% | 5,631 |
| Loan and lease loss provision to assets | -0.1132% | 7,049 |
| Net operating income to assets | 1.5153% | 994 |
| Return on assets (ROA) | 1.4021% | 1,341 |
| Pretax return on assets | 1.4021% | 2,228 |
| Return on Equity (ROE) | 11.7739% | 1,712 |
| Retained earnings to average equity (ytd only) | 11.7739% | 569 |
| Net charge-offs to loans | -0.1919% | 6,982 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3435% | 5,094 |
| Assets per employee ($millions) | 4.1779% | 3,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6328% | 3,404 |
| Loan loss allowance to noncurrent loans | 40.8524% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 2.6544% | 1,988 |
| Noncurrent loans to loans | 3.9968% | 1,280 |
| Net loans and leases to total assets | 56.6696% | 4,350 |
| Net loans and leases to deposits | 64.6744% | 4,634 |
| Net loans and leases to core deposits | 65.3871% | 5,014 |
| Total domestic deposits to total assets | 87.6230% | 2,279 |
| Equity capital to assets | 11.9270% | 2,325 |
| Core capital (leverage) ratio | 12.3409% | 1,480 |
| Tier 1 risk-based capital ratio | 18.9245% | 2,034 |
| Total risk-based capital ratio | 20.1777% | 1,999 |
| Memoranda: | ||
| Average total assets | $40,035,500 | 6,585 |
| Average earning assets | $37,199,500 | 6,543 |
| Average equity | $4,767,500 | 6,437 |
| Average total loans | $23,619,500 | 6,344 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0275% | 5,563 |
| Cost of funding earning assets | 0.7490% | 3,609 |
| Net interest margin | 3.2784% | 5,507 |
| Noninterest income to average assets | 0.6032% | 3,241 |
| Noninterest expense to average assets | 2.2811% | 5,791 |
| Loan and lease loss provision to assets | -0.1267% | 7,121 |
| Net operating income to assets | 1.5106% | 973 |
| Return on assets (ROA) | 1.3839% | 1,369 |
| Pretax return on assets | 1.3839% | 2,263 |
| Return on Equity (ROE) | 11.6277% | 1,797 |
| Retained earnings to average equity (ytd only) | 11.6277% | 644 |
| Net charge-offs to loans | -0.2130% | 7,009 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2407% | 5,208 |
| Assets per employee ($millions) | 3.9733% | 3,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6718% | 3,348 |
| Loan loss allowance to noncurrent loans | 41.6314% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 2.7408% | 2,009 |
| Noncurrent loans to loans | 4.0158% | 1,371 |
| Net loans and leases to total assets | 58.1733% | 4,130 |
| Net loans and leases to deposits | 66.4807% | 4,448 |
| Net loans and leases to core deposits | 67.3662% | 4,859 |
| Total domestic deposits to total assets | 87.5041% | 2,469 |
| Equity capital to assets | 12.1662% | 2,021 |
| Core capital (leverage) ratio | 12.0381% | 1,585 |
| Tier 1 risk-based capital ratio | 19.1362% | 1,930 |
| Total risk-based capital ratio | 20.3911% | 1,908 |
| Memoranda: | ||
| Average total assets | $39,454,330 | 6,649 |
| Average earning assets | $36,847,000 | 6,592 |
| Average equity | $4,695,670 | 6,486 |
| Average total loans | $23,469,670 | 6,395 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9790% | 5,832 |
| Cost of funding earning assets | 0.7652% | 3,747 |
| Net interest margin | 3.2138% | 5,747 |
| Noninterest income to average assets | 0.5799% | 3,351 |
| Noninterest expense to average assets | 2.2282% | 5,967 |
| Loan and lease loss provision to assets | -0.1730% | 7,204 |
| Net operating income to assets | 1.5160% | 994 |
| Return on assets (ROA) | 1.3430% | 1,500 |
| Pretax return on assets | 1.3430% | 2,381 |
| Return on Equity (ROE) | 11.4125% | 1,864 |
| Retained earnings to average equity (ytd only) | 11.4125% | 939 |
| Net charge-offs to loans | -0.2900% | 7,058 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3932% | 5,204 |
| Assets per employee ($millions) | 3.9928% | 4,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7377% | 3,200 |
| Loan loss allowance to noncurrent loans | 34.8713% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 3.1832% | 1,819 |
| Noncurrent loans to loans | 4.9832% | 1,129 |
| Net loans and leases to total assets | 55.6577% | 4,444 |
| Net loans and leases to deposits | 63.2773% | 4,729 |
| Net loans and leases to core deposits | 64.2190% | 5,087 |
| Total domestic deposits to total assets | 87.9583% | 2,347 |
| Equity capital to assets | 11.7512% | 2,217 |
| Core capital (leverage) ratio | 11.7467% | 1,737 |
| Tier 1 risk-based capital ratio | 19.1957% | 1,935 |
| Total risk-based capital ratio | 20.4517% | 1,901 |
| Memoranda: | ||
| Average total assets | $39,315,000 | 6,705 |
| Average earning assets | $36,592,000 | 6,657 |
| Average equity | $4,626,500 | 6,540 |
| Average total loans | $23,451,000 | 6,447 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6969% | 4,263 |
| Cost of funding earning assets | 0.8592% | 4,402 |
| Net interest margin | 3.8377% | 3,636 |
| Noninterest income to average assets | 0.7066% | 2,563 |
| Noninterest expense to average assets | 2.6039% | 5,085 |
| Loan and lease loss provision to assets | 0.1518% | 4,721 |
| Net operating income to assets | 1.4577% | 913 |
| Return on assets (ROA) | 1.4577% | 991 |
| Pretax return on assets | 1.4577% | 1,608 |
| Return on Equity (ROE) | 12.0903% | 1,384 |
| Retained earnings to average equity (ytd only) | 3.4079% | 3,797 |
| Net charge-offs to loans | 0.1947% | 4,587 |
| Credit loss provision to net charge-offs | 123.4043% | 2,552 |
| Earnings coverage of net charge-offs (x) | 13.0851% | 1,571 |
| Efficiency ratio | 61.8012% | 5,488 |
| Assets per employee ($millions) | 4.3002% | 3,247 |
| Cash dividends to net income (ytd only)* | 71.8133% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6182% | 3,518 |
| Loan loss allowance to noncurrent loans | 46.8415% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 2.6510% | 2,296 |
| Noncurrent loans to loans | 3.4547% | 1,861 |
| Net loans and leases to total assets | 61.7358% | 3,655 |
| Net loans and leases to deposits | 70.1600% | 4,068 |
| Net loans and leases to core deposits | 72.0972% | 4,519 |
| Total domestic deposits to total assets | 87.9929% | 2,162 |
| Equity capital to assets | 11.7849% | 2,279 |
| Core capital (leverage) ratio | 11.9966% | 1,594 |
| Tier 1 risk-based capital ratio | 17.6271% | 2,331 |
| Total risk-based capital ratio | 18.8792% | 2,297 |
| Memoranda: | ||
| Average total assets | $38,211,200 | 6,735 |
| Average earning assets | $34,916,600 | 6,716 |
| Average equity | $4,607,000 | 6,558 |
| Average total loans | $24,142,800 | 6,459 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7379% | 4,290 |
| Cost of funding earning assets | 0.8817% | 4,534 |
| Net interest margin | 3.8562% | 3,585 |
| Noninterest income to average assets | 0.7071% | 2,563 |
| Noninterest expense to average assets | 2.5134% | 5,420 |
| Loan and lease loss provision to assets | 0.2065% | 3,952 |
| Net operating income to assets | 1.5087% | 914 |
| Return on assets (ROA) | 1.5087% | 1,000 |
| Pretax return on assets | 1.5087% | 1,631 |
| Return on Equity (ROE) | 12.4424% | 1,431 |
| Retained earnings to average equity (ytd only) | 12.4424% | 446 |
| Net charge-offs to loans | 0.2655% | 3,782 |
| Credit loss provision to net charge-offs | 122.9167% | 2,629 |
| Earnings coverage of net charge-offs (x) | 10.2081% | 1,956 |
| Efficiency ratio | 59.4371% | 5,802 |
| Assets per employee ($millions) | 4.1013% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6041% | 3,645 |
| Loan loss allowance to noncurrent loans | 41.8977% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 3.0424% | 2,110 |
| Noncurrent loans to loans | 3.8286% | 1,756 |
| Net loans and leases to total assets | 65.3094% | 3,053 |
| Net loans and leases to deposits | 75.5611% | 3,395 |
| Net loans and leases to core deposits | 78.1300% | 3,885 |
| Total domestic deposits to total assets | 86.4326% | 2,972 |
| Equity capital to assets | 13.0960% | 1,562 |
| Core capital (leverage) ratio | 12.6750% | 1,359 |
| Tier 1 risk-based capital ratio | 18.9020% | 1,966 |
| Total risk-based capital ratio | 20.1572% | 1,932 |
| Memoranda: | ||
| Average total assets | $38,088,500 | 6,793 |
| Average earning assets | $34,782,500 | 6,785 |
| Average equity | $4,618,500 | 6,608 |
| Average total loans | $24,107,000 | 6,524 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6821% | 4,612 |
| Cost of funding earning assets | 0.8997% | 4,673 |
| Net interest margin | 3.7823% | 3,877 |
| Noninterest income to average assets | 0.6705% | 2,710 |
| Noninterest expense to average assets | 2.4896% | 5,586 |
| Loan and lease loss provision to assets | 0.1091% | 4,934 |
| Net operating income to assets | 1.5021% | 888 |
| Return on assets (ROA) | 1.5021% | 945 |
| Pretax return on assets | 1.5021% | 1,524 |
| Return on Equity (ROE) | 12.7126% | 1,270 |
| Retained earnings to average equity (ytd only) | 12.7126% | 421 |
| Net charge-offs to loans | 0.0834% | 4,807 |
| Credit loss provision to net charge-offs | 210.0000% | 1,434 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 897 |
| Efficiency ratio | 60.7098% | 5,773 |
| Assets per employee ($millions) | 4.2623% | 3,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 3,456 |
| Loan loss allowance to noncurrent loans | 36.2546% | 5,876 |
| Noncurrent assets plus other real estate owned to assets | 3.3054% | 2,017 |
| Noncurrent loans to loans | 4.5773% | 1,440 |
| Net loans and leases to total assets | 60.7101% | 4,144 |
| Net loans and leases to deposits | 69.4924% | 4,503 |
| Net loans and leases to core deposits | 70.9922% | 4,954 |
| Total domestic deposits to total assets | 87.3622% | 2,541 |
| Equity capital to assets | 12.2312% | 1,948 |
| Core capital (leverage) ratio | 12.4970% | 1,361 |
| Tier 1 risk-based capital ratio | 18.6190% | 1,960 |
| Total risk-based capital ratio | 19.8730% | 1,925 |
| Memoranda: | ||
| Average total assets | $38,480,670 | 6,844 |
| Average earning assets | $34,899,000 | 6,838 |
| Average equity | $4,546,670 | 6,668 |
| Average total loans | $23,976,000 | 6,592 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7370% | 4,345 |
| Cost of funding earning assets | 0.9497% | 4,570 |
| Net interest margin | 3.7873% | 3,670 |
| Noninterest income to average assets | 0.6539% | 2,818 |
| Noninterest expense to average assets | 2.5739% | 5,318 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4738% | 925 |
| Return on assets (ROA) | 1.4738% | 965 |
| Pretax return on assets | 1.4738% | 1,520 |
| Return on Equity (ROE) | 12.6956% | 1,273 |
| Retained earnings to average equity (ytd only) | 12.6956% | 638 |
| Net charge-offs to loans | -0.1492% | 7,200 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5897% | 5,432 |
| Assets per employee ($millions) | 4.2027% | 3,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6956% | 3,351 |
| Loan loss allowance to noncurrent loans | 34.1783% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 3.5057% | 1,946 |
| Noncurrent loans to loans | 4.9610% | 1,365 |
| Net loans and leases to total assets | 59.9328% | 4,278 |
| Net loans and leases to deposits | 68.3996% | 4,623 |
| Net loans and leases to core deposits | 69.3008% | 5,130 |
| Total domestic deposits to total assets | 87.6216% | 2,595 |
| Equity capital to assets | 12.0162% | 1,910 |
| Core capital (leverage) ratio | 11.7139% | 1,731 |
| Tier 1 risk-based capital ratio | 18.6004% | 1,925 |
| Total risk-based capital ratio | 19.8527% | 1,880 |
| Memoranda: | ||
| Average total assets | $38,540,500 | 6,886 |
| Average earning assets | $34,536,500 | 6,899 |
| Average equity | $4,474,000 | 6,716 |
| Average total loans | $24,123,000 | 6,642 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9881% | 4,617 |
| Cost of funding earning assets | 1.2205% | 4,420 |
| Net interest margin | 3.7675% | 4,076 |
| Noninterest income to average assets | 0.7227% | 2,693 |
| Noninterest expense to average assets | 2.3757% | 6,152 |
| Loan and lease loss provision to assets | 0.9546% | 1,707 |
| Net operating income to assets | 0.8467% | 2,602 |
| Return on assets (ROA) | 0.8467% | 2,741 |
| Pretax return on assets | 0.8467% | 3,479 |
| Return on Equity (ROE) | 7.0492% | 3,093 |
| Retained earnings to average equity (ytd only) | 0.3143% | 5,426 |
| Net charge-offs to loans | 1.2874% | 1,735 |
| Credit loss provision to net charge-offs | 110.2804% | 3,991 |
| Earnings coverage of net charge-offs (x) | 2.0810% | 4,162 |
| Efficiency ratio | 56.8754% | 6,476 |
| Assets per employee ($millions) | 4.3619% | 3,095 |
| Cash dividends to net income (ytd only)* | 95.5414% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5167% | 3,917 |
| Loan loss allowance to noncurrent loans | 33.3043% | 6,095 |
| Noncurrent assets plus other real estate owned to assets | 3.4898% | 1,987 |
| Noncurrent loans to loans | 4.5541% | 1,546 |
| Net loans and leases to total assets | 63.1836% | 4,031 |
| Net loans and leases to deposits | 71.3538% | 4,631 |
| Net loans and leases to core deposits | 73.0948% | 5,086 |
| Total domestic deposits to total assets | 88.5498% | 1,922 |
| Equity capital to assets | 11.2158% | 2,486 |
| Core capital (leverage) ratio | 11.3474% | 1,926 |
| Tier 1 risk-based capital ratio | 16.5788% | 2,499 |
| Total risk-based capital ratio | 17.8327% | 2,471 |
| Memoranda: | ||
| Average total assets | $37,083,600 | 6,970 |
| Average earning assets | $34,001,200 | 6,948 |
| Average equity | $4,454,400 | 6,834 |
| Average total loans | $24,933,600 | 6,675 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9357% | 5,097 |
| Cost of funding earning assets | 1.2910% | 4,275 |
| Net interest margin | 3.6447% | 4,658 |
| Noninterest income to average assets | 0.7444% | 2,552 |
| Noninterest expense to average assets | 2.5359% | 5,581 |
| Loan and lease loss provision to assets | 0.9378% | 1,608 |
| Net operating income to assets | 0.6495% | 3,647 |
| Return on assets (ROA) | 0.6495% | 3,815 |
| Pretax return on assets | 0.6495% | 4,425 |
| Return on Equity (ROE) | 5.3127% | 4,137 |
| Retained earnings to average equity (ytd only) | 5.3127% | 2,762 |
| Net charge-offs to loans | 1.2009% | 1,697 |
| Credit loss provision to net charge-offs | 114.7321% | 3,647 |
| Earnings coverage of net charge-offs (x) | 1.9420% | 4,248 |
| Efficiency ratio | 61.5044% | 5,701 |
| Assets per employee ($millions) | 4.2953% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5479% | 3,740 |
| Loan loss allowance to noncurrent loans | 26.3812% | 6,556 |
| Noncurrent assets plus other real estate owned to assets | 4.5915% | 1,473 |
| Noncurrent loans to loans | 5.8673% | 1,091 |
| Net loans and leases to total assets | 62.8512% | 4,359 |
| Net loans and leases to deposits | 71.6895% | 4,882 |
| Net loans and leases to core deposits | 72.7433% | 5,433 |
| Total domestic deposits to total assets | 87.6714% | 2,175 |
| Equity capital to assets | 11.8139% | 2,273 |
| Core capital (leverage) ratio | 11.8362% | 1,747 |
| Tier 1 risk-based capital ratio | 17.3657% | 2,218 |
| Total risk-based capital ratio | 18.6167% | 2,179 |
| Memoranda: | ||
| Average total assets | $36,540,250 | 7,076 |
| Average earning assets | $33,874,750 | 7,032 |
| Average equity | $4,467,250 | 6,923 |
| Average total loans | $24,870,500 | 6,766 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9493% | 5,182 |
| Cost of funding earning assets | 1.3531% | 4,175 |
| Net interest margin | 3.5962% | 4,830 |
| Noninterest income to average assets | 0.8149% | 2,043 |
| Noninterest expense to average assets | 2.6288% | 5,211 |
| Loan and lease loss provision to assets | 0.8260% | 1,755 |
| Net operating income to assets | 0.6977% | 3,415 |
| Return on assets (ROA) | 0.6977% | 3,570 |
| Pretax return on assets | 0.6977% | 4,249 |
| Return on Equity (ROE) | 5.6382% | 3,970 |
| Retained earnings to average equity (ytd only) | 5.6382% | 2,534 |
| Net charge-offs to loans | 0.9224% | 1,990 |
| Credit loss provision to net charge-offs | 128.6957% | 3,122 |
| Earnings coverage of net charge-offs (x) | 2.3739% | 3,807 |
| Efficiency ratio | 63.3065% | 5,464 |
| Assets per employee ($millions) | 3.9634% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5541% | 3,649 |
| Loan loss allowance to noncurrent loans | 33.6268% | 6,129 |
| Noncurrent assets plus other real estate owned to assets | 3.9864% | 1,737 |
| Noncurrent loans to loans | 4.6216% | 1,560 |
| Net loans and leases to total assets | 67.8366% | 3,405 |
| Net loans and leases to deposits | 78.0883% | 3,949 |
| Net loans and leases to core deposits | 80.3627% | 4,648 |
| Total domestic deposits to total assets | 86.8717% | 2,610 |
| Equity capital to assets | 12.6545% | 1,710 |
| Core capital (leverage) ratio | 12.8064% | 1,278 |
| Tier 1 risk-based capital ratio | 17.6832% | 2,038 |
| Total risk-based capital ratio | 18.9368% | 2,012 |
| Memoranda: | ||
| Average total assets | $35,834,330 | 7,148 |
| Average earning assets | $33,257,330 | 7,102 |
| Average equity | $4,434,000 | 6,961 |
| Average total loans | $24,934,330 | 6,811 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1664% | 4,217 |
| Cost of funding earning assets | 1.3545% | 4,461 |
| Net interest margin | 3.8119% | 3,747 |
| Noninterest income to average assets | 0.7573% | 2,255 |
| Noninterest expense to average assets | 2.5838% | 5,422 |
| Loan and lease loss provision to assets | 1.6706% | 685 |
| Net operating income to assets | 0.0445% | 6,176 |
| Return on assets (ROA) | 0.0445% | 6,288 |
| Pretax return on assets | 0.0445% | 6,271 |
| Return on Equity (ROE) | 0.3641% | 6,317 |
| Retained earnings to average equity (ytd only) | 0.3641% | 5,691 |
| Net charge-offs to loans | 1.8637% | 927 |
| Credit loss provision to net charge-offs | 128.2051% | 2,746 |
| Earnings coverage of net charge-offs (x) | 1.3162% | 3,959 |
| Efficiency ratio | 60.1036% | 6,154 |
| Assets per employee ($millions) | 3.9394% | 4,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5918% | 3,489 |
| Loan loss allowance to noncurrent loans | 30.9562% | 6,348 |
| Noncurrent assets plus other real estate owned to assets | 4.2815% | 1,589 |
| Noncurrent loans to loans | 5.1421% | 1,398 |
| Net loans and leases to total assets | 66.6084% | 3,723 |
| Net loans and leases to deposits | 76.3358% | 4,351 |
| Net loans and leases to core deposits | 78.7016% | 4,932 |
| Total domestic deposits to total assets | 87.2571% | 2,496 |
| Equity capital to assets | 12.3875% | 1,816 |
| Core capital (leverage) ratio | 12.3645% | 1,464 |
| Tier 1 risk-based capital ratio | 17.5814% | 2,055 |
| Total risk-based capital ratio | 18.8343% | 2,028 |
| Memoranda: | ||
| Average total assets | $35,916,000 | 7,236 |
| Average earning assets | $33,369,500 | 7,187 |
| Average equity | $4,394,000 | 7,038 |
| Average total loans | $25,111,500 | 6,878 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7420% | 2,899 |
| Cost of funding earning assets | 1.5987% | 5,034 |
| Net interest margin | 4.1433% | 2,271 |
| Noninterest income to average assets | 0.8659% | 2,102 |
| Noninterest expense to average assets | 2.8781% | 4,618 |
| Loan and lease loss provision to assets | 0.6286% | 3,292 |
| Net operating income to assets | 1.1925% | 1,261 |
| Return on assets (ROA) | 1.1925% | 1,313 |
| Pretax return on assets | 1.1925% | 1,975 |
| Return on Equity (ROE) | 8.5374% | 2,182 |
| Retained earnings to average equity (ytd only) | -6.9049% | 6,233 |
| Net charge-offs to loans | 0.8571% | 2,685 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 2.8971% | 3,639 |
| Efficiency ratio | 61.2459% | 6,285 |
| Assets per employee ($millions) | 4.0419% | 3,729 |
| Cash dividends to net income (ytd only)* | 180.8786% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3308% | 4,585 |
| Loan loss allowance to noncurrent loans | 26.9290% | 6,690 |
| Noncurrent assets plus other real estate owned to assets | 4.2692% | 1,533 |
| Noncurrent loans to loans | 4.9418% | 1,374 |
| Net loans and leases to total assets | 71.1329% | 2,963 |
| Net loans and leases to deposits | 81.8990% | 3,634 |
| Net loans and leases to core deposits | 91.7036% | 4,925 |
| Total domestic deposits to total assets | 86.8543% | 2,582 |
| Equity capital to assets | 12.0846% | 1,985 |
| Core capital (leverage) ratio | 13.0824% | 1,228 |
| Tier 1 risk-based capital ratio | 16.1461% | 2,457 |
| Total risk-based capital ratio | 17.3969% | 2,390 |
| Memoranda: | ||
| Average total assets | $32,451,800 | 7,383 |
| Average earning assets | $30,024,400 | 7,356 |
| Average equity | $4,533,000 | 7,104 |
| Average total loans | $23,800,000 | 6,990 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8032% | 2,877 |
| Cost of funding earning assets | 1.6829% | 4,985 |
| Net interest margin | 4.1203% | 2,318 |
| Noninterest income to average assets | 0.8685% | 2,108 |
| Noninterest expense to average assets | 2.9021% | 4,444 |
| Loan and lease loss provision to assets | 0.4999% | 3,394 |
| Net operating income to assets | 1.2837% | 1,261 |
| Return on assets (ROA) | 1.2837% | 1,334 |
| Pretax return on assets | 1.2837% | 1,997 |
| Return on Equity (ROE) | 8.8454% | 2,320 |
| Retained earnings to average equity (ytd only) | -2.8317% | 5,905 |
| Net charge-offs to loans | 0.6783% | 2,663 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 3.5678% | 3,478 |
| Efficiency ratio | 61.9349% | 6,119 |
| Assets per employee ($millions) | 3.5477% | 4,816 |
| Cash dividends to net income (ytd only)* | 132.0132% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4839% | 3,526 |
| Loan loss allowance to noncurrent loans | 31.3849% | 6,356 |
| Noncurrent assets plus other real estate owned to assets | 4.2814% | 1,453 |
| Noncurrent loans to loans | 4.7281% | 1,450 |
| Net loans and leases to total assets | 72.5673% | 2,897 |
| Net loans and leases to deposits | 85.4288% | 3,429 |
| Net loans and leases to core deposits | 97.1000% | 4,690 |
| Total domestic deposits to total assets | 84.9447% | 3,264 |
| Equity capital to assets | 14.4383% | 1,163 |
| Core capital (leverage) ratio | 14.3266% | 1,003 |
| Tier 1 risk-based capital ratio | 19.1045% | 1,726 |
| Total risk-based capital ratio | 20.3577% | 1,684 |
| Memoranda: | ||
| Average total assets | $31,470,500 | 7,483 |
| Average earning assets | $29,155,500 | 7,456 |
| Average equity | $4,567,250 | 7,154 |
| Average total loans | $23,193,750 | 7,081 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6115% | 4,017 |
| Cost of funding earning assets | 1.6971% | 5,283 |
| Net interest margin | 3.9144% | 3,044 |
| Noninterest income to average assets | 0.8557% | 2,159 |
| Noninterest expense to average assets | 2.9504% | 4,287 |
| Loan and lease loss provision to assets | 0.3385% | 3,910 |
| Net operating income to assets | 1.2198% | 1,425 |
| Return on assets (ROA) | 1.2198% | 1,504 |
| Pretax return on assets | 1.2198% | 2,244 |
| Return on Equity (ROE) | 8.3901% | 2,616 |
| Retained earnings to average equity (ytd only) | -9.1808% | 6,785 |
| Net charge-offs to loans | 0.4592% | 2,990 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 4.6038% | 3,052 |
| Efficiency ratio | 65.4391% | 5,636 |
| Assets per employee ($millions) | 3.5269% | 4,748 |
| Cash dividends to net income (ytd only)* | 209.4241% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 3,135 |
| Loan loss allowance to noncurrent loans | 27.5237% | 6,663 |
| Noncurrent assets plus other real estate owned to assets | 4.7949% | 1,142 |
| Noncurrent loans to loans | 5.4821% | 1,062 |
| Net loans and leases to total assets | 71.7693% | 3,285 |
| Net loans and leases to deposits | 84.1932% | 3,843 |
| Net loans and leases to core deposits | 94.4368% | 5,066 |
| Total domestic deposits to total assets | 85.2435% | 3,139 |
| Equity capital to assets | 14.1705% | 1,255 |
| Core capital (leverage) ratio | 14.1107% | 1,111 |
| Tier 1 risk-based capital ratio | 18.8060% | 1,815 |
| Total risk-based capital ratio | 20.0578% | 1,772 |
| Memoranda: | ||
| Average total assets | $31,317,670 | 7,554 |
| Average earning assets | $29,225,670 | 7,521 |
| Average equity | $4,553,000 | 7,226 |
| Average total loans | $23,085,330 | 7,143 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0656% | 2,090 |
| Cost of funding earning assets | 1.7508% | 5,349 |
| Net interest margin | 4.3149% | 1,564 |
| Noninterest income to average assets | 0.8487% | 2,086 |
| Noninterest expense to average assets | 3.0863% | 3,429 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7875% | 543 |
| Return on assets (ROA) | 1.7875% | 600 |
| Pretax return on assets | 1.7875% | 1,003 |
| Return on Equity (ROE) | 12.1384% | 1,616 |
| Retained earnings to average equity (ytd only) | -22.7923% | 7,717 |
| Net charge-offs to loans | -0.0173% | 7,400 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3245% | 5,806 |
| Assets per employee ($millions) | 3.4966% | 4,837 |
| Cash dividends to net income (ytd only)* | 287.7698% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5788% | 2,608 |
| Loan loss allowance to noncurrent loans | 44.4586% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 3.2953% | 1,665 |
| Noncurrent loans to loans | 3.5512% | 1,781 |
| Net loans and leases to total assets | 69.1347% | 3,884 |
| Net loans and leases to deposits | 81.0098% | 4,448 |
| Net loans and leases to core deposits | 90.7521% | 5,481 |
| Total domestic deposits to total assets | 85.3411% | 3,040 |
| Equity capital to assets | 14.1282% | 1,323 |
| Core capital (leverage) ratio | 14.1345% | 1,161 |
| Tier 1 risk-based capital ratio | 19.6274% | 1,690 |
| Total risk-based capital ratio | 20.8812% | 1,641 |
| Memoranda: | ||
| Average total assets | $31,105,500 | 7,604 |
| Average earning assets | $29,016,000 | 7,569 |
| Average equity | $4,580,500 | 7,262 |
| Average total loans | $23,063,000 | 7,179 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0780% | 951 |
| Cost of funding earning assets | 2.3017% | 5,146 |
| Net interest margin | 4.7763% | 816 |
| Noninterest income to average assets | 0.8276% | 2,366 |
| Noninterest expense to average assets | 3.2247% | 3,239 |
| Loan and lease loss provision to assets | 0.3363% | 3,700 |
| Net operating income to assets | 1.7277% | 640 |
| Return on assets (ROA) | 1.7277% | 613 |
| Pretax return on assets | 1.7277% | 1,087 |
| Return on Equity (ROE) | 11.5160% | 1,747 |
| Retained earnings to average equity (ytd only) | 2.7252% | 3,485 |
| Net charge-offs to loans | 0.1971% | 4,222 |
| Credit loss provision to net charge-offs | 217.0213% | 2,215 |
| Earnings coverage of net charge-offs (x) | 13.3191% | 2,140 |
| Efficiency ratio | 60.9726% | 6,168 |
| Assets per employee ($millions) | 3.4158% | 4,897 |
| Cash dividends to net income (ytd only)* | 76.3359% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4529% | 2,905 |
| Loan loss allowance to noncurrent loans | 65.1119% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 2.6836% | 1,767 |
| Noncurrent loans to loans | 2.2314% | 2,466 |
| Net loans and leases to total assets | 77.0021% | 2,378 |
| Net loans and leases to deposits | 91.4259% | 3,229 |
| Net loans and leases to core deposits | 105.0362% | 4,293 |
| Total domestic deposits to total assets | 84.2235% | 3,212 |
| Equity capital to assets | 15.3373% | 1,078 |
| Core capital (leverage) ratio | 15.4956% | 924 |
| Tier 1 risk-based capital ratio | 19.2895% | 1,754 |
| Total risk-based capital ratio | 20.5407% | 1,706 |
| Memoranda: | ||
| Average total assets | $30,328,600 | 7,631 |
| Average earning assets | $28,327,200 | 7,600 |
| Average equity | $4,550,200 | 7,313 |
| Average total loans | $23,843,000 | 7,082 |