Home > Randall State Bank > Performance and Condition Ratios
Randall State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8370% | 784 |
| Cost of funding earning assets | 0.8889% | 3,540 |
| Net interest margin | 4.9481% | 338 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 2.9540% | 1,184 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.2981% | 1,441 |
| Return on assets (ROA) | 1.2981% | 1,409 |
| Pretax return on assets | 1.8118% | 874 |
| Return on Equity (ROE) | 13.5600% | 1,589 |
| Retained earnings to average equity (ytd only) | 1.0376% | 3,829 |
| Net charge-offs to loans | -0.0067% | 3,903 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.9972% | 2,969 |
| Assets per employee ($millions) | 4.6509% | 3,854 |
| Cash dividends to net income (ytd only)* | 92.3483% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 2,214 |
| Loan loss allowance to noncurrent loans | 57.2154% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.6275% | 218 |
| Noncurrent loans to loans | 2.1222% | 258 |
| Net loans and leases to total assets | 75.7600% | 1,151 |
| Net loans and leases to deposits | 84.1815% | 1,764 |
| Net loans and leases to core deposits | 87.5392% | 2,208 |
| Total domestic deposits to total assets | 89.9900% | 759 |
| Equity capital to assets | 9.8723% | 2,080 |
| Core capital (leverage) ratio | 10.5199% | 2,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $58,394,600 | 4,228 |
| Average earning assets | $55,799,400 | 4,191 |
| Average equity | $5,590,000 | 4,200 |
| Average total loans | $45,045,400 | 3,913 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7294% | 760 |
| Cost of funding earning assets | 0.7756% | 3,586 |
| Net interest margin | 4.9538% | 328 |
| Noninterest income to average assets | 0.0600% | 4,432 |
| Noninterest expense to average assets | 2.8657% | 1,294 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.3154% | 1,514 |
| Return on assets (ROA) | 1.3154% | 1,497 |
| Pretax return on assets | 1.8452% | 934 |
| Return on Equity (ROE) | 13.8500% | 1,692 |
| Retained earnings to average equity (ytd only) | -3.1299% | 4,368 |
| Net charge-offs to loans | -0.0089% | 3,902 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.5215% | 3,023 |
| Assets per employee ($millions) | 4.5003% | 3,941 |
| Cash dividends to net income (ytd only)* | 122.5919% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 2,248 |
| Loan loss allowance to noncurrent loans | 72.1795% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 1.3332% | 308 |
| Noncurrent loans to loans | 1.6979% | 398 |
| Net loans and leases to total assets | 77.5600% | 935 |
| Net loans and leases to deposits | 85.9978% | 1,575 |
| Net loans and leases to core deposits | 89.5006% | 1,965 |
| Total domestic deposits to total assets | 90.1900% | 890 |
| Equity capital to assets | 9.6677% | 2,006 |
| Core capital (leverage) ratio | 10.4375% | 2,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $57,877,750 | 4,249 |
| Average earning assets | $55,525,250 | 4,211 |
| Average equity | $5,495,250 | 4,220 |
| Average total loans | $44,715,000 | 3,928 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7242% | 615 |
| Cost of funding earning assets | 0.6364% | 3,670 |
| Net interest margin | 5.0877% | 274 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 2.9166% | 1,180 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.3734% | 1,394 |
| Return on assets (ROA) | 1.3734% | 1,375 |
| Pretax return on assets | 1.9144% | 843 |
| Return on Equity (ROE) | 14.5500% | 1,564 |
| Retained earnings to average equity (ytd only) | -11.1730% | 4,530 |
| Net charge-offs to loans | -0.0135% | 4,012 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.1005% | 3,067 |
| Assets per employee ($millions) | 4.4863% | 3,959 |
| Cash dividends to net income (ytd only)* | 176.7677% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 2,417 |
| Loan loss allowance to noncurrent loans | 116.5957% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.8059% | 635 |
| Noncurrent loans to loans | 1.0324% | 727 |
| Net loans and leases to total assets | 77.1200% | 925 |
| Net loans and leases to deposits | 87.6010% | 1,380 |
| Net loans and leases to core deposits | 89.4442% | 1,832 |
| Total domestic deposits to total assets | 88.0300% | 1,588 |
| Equity capital to assets | 9.3035% | 2,311 |
| Core capital (leverage) ratio | 10.0538% | 2,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $57,669,000 | 4,272 |
| Average earning assets | $55,309,333 | 4,235 |
| Average equity | $5,441,667 | 4,253 |
| Average total loans | $44,307,333 | 3,950 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4300% | 689 |
| Cost of funding earning assets | 0.5075% | 3,663 |
| Net interest margin | 4.9226% | 323 |
| Noninterest income to average assets | 0.0300% | 4,580 |
| Noninterest expense to average assets | 2.9088% | 1,215 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.3254% | 1,604 |
| Return on assets (ROA) | 1.3254% | 1,573 |
| Pretax return on assets | 1.8276% | 1,021 |
| Return on Equity (ROE) | 13.9500% | 1,784 |
| Retained earnings to average equity (ytd only) | -37.4346% | 4,655 |
| Net charge-offs to loans | -0.0092% | 3,819 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.9649% | 2,829 |
| Assets per employee ($millions) | 4.6473% | 3,929 |
| Cash dividends to net income (ytd only)* | 368.4211% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1899% | 2,607 |
| Loan loss allowance to noncurrent loans | 139.6783% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.6689% | 738 |
| Noncurrent loans to loans | 0.8519% | 900 |
| Net loans and leases to total assets | 77.5800% | 811 |
| Net loans and leases to deposits | 85.8759% | 1,360 |
| Net loans and leases to core deposits | 87.7197% | 1,761 |
| Total domestic deposits to total assets | 90.3400% | 1,033 |
| Equity capital to assets | 9.3998% | 2,228 |
| Core capital (leverage) ratio | 9.8411% | 2,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $57,342,500 | 4,334 |
| Average earning assets | $55,174,500 | 4,291 |
| Average equity | $5,449,500 | 4,304 |
| Average total loans | $43,698,500 | 4,002 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8160% | 419 |
| Cost of funding earning assets | 0.1745% | 3,958 |
| Net interest margin | 4.6415% | 229 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.8024% | 1,309 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.2716% | 1,524 |
| Return on assets (ROA) | 1.2716% | 1,478 |
| Pretax return on assets | 1.7848% | 765 |
| Return on Equity (ROE) | 13.3700% | 1,688 |
| Retained earnings to average equity (ytd only) | 0.7398% | 4,239 |
| Net charge-offs to loans | -0.0154% | 3,960 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.5039% | 2,984 |
| Assets per employee ($millions) | 4.5322% | 4,012 |
| Cash dividends to net income (ytd only)* | 94.4669% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 2,483 |
| Loan loss allowance to noncurrent loans | 136.9681% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 780 |
| Noncurrent loans to loans | 0.8622% | 866 |
| Net loans and leases to total assets | 73.1400% | 1,297 |
| Net loans and leases to deposits | 80.9600% | 1,698 |
| Net loans and leases to core deposits | 82.1311% | 1,999 |
| Total domestic deposits to total assets | 90.3500% | 1,222 |
| Equity capital to assets | 9.6015% | 1,934 |
| Core capital (leverage) ratio | 10.5629% | 2,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $58,271,000 | 4,351 |
| Average earning assets | $56,167,000 | 4,306 |
| Average equity | $5,542,400 | 4,379 |
| Average total loans | $39,048,600 | 4,081 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6823% | 365 |
| Cost of funding earning assets | 0.1592% | 3,736 |
| Net interest margin | 4.5231% | 227 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 2.8153% | 1,221 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.1817% | 1,764 |
| Return on assets (ROA) | 1.1817% | 1,735 |
| Pretax return on assets | 1.6566% | 988 |
| Return on Equity (ROE) | 12.4500% | 1,892 |
| Retained earnings to average equity (ytd only) | -4.4736% | 4,588 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.6980% | 2,738 |
| Assets per employee ($millions) | 4.8940% | 3,769 |
| Cash dividends to net income (ytd only)* | 135.9223% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 2,383 |
| Loan loss allowance to noncurrent loans | 121.5347% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.6879% | 756 |
| Noncurrent loans to loans | 1.0095% | 761 |
| Net loans and leases to total assets | 67.3100% | 1,753 |
| Net loans and leases to deposits | 74.1832% | 2,033 |
| Net loans and leases to core deposits | 75.2551% | 2,255 |
| Total domestic deposits to total assets | 90.7400% | 1,337 |
| Equity capital to assets | 9.1558% | 2,116 |
| Core capital (leverage) ratio | 10.2361% | 2,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $58,109,250 | 4,390 |
| Average earning assets | $56,096,000 | 4,345 |
| Average equity | $5,513,750 | 4,417 |
| Average total loans | $37,908,250 | 4,129 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5212% | 363 |
| Cost of funding earning assets | 0.1611% | 3,433 |
| Net interest margin | 4.3601% | 243 |
| Noninterest income to average assets | 0.1382% | 4,325 |
| Noninterest expense to average assets | 2.8496% | 1,081 |
| Loan and lease loss provision to assets | 0.0069% | 2,475 |
| Net operating income to assets | 1.0708% | 1,892 |
| Return on assets (ROA) | 1.0708% | 1,869 |
| Pretax return on assets | 1.4887% | 1,202 |
| Return on Equity (ROE) | 11.1524% | 1,934 |
| Retained earnings to average equity (ytd only) | -14.0305% | 4,699 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5803% | 2,564 |
| Assets per employee ($millions) | 4.3182% | 4,195 |
| Cash dividends to net income (ytd only)* | 225.8065% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 2,252 |
| Loan loss allowance to noncurrent loans | 152.6814% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.5647% | 996 |
| Noncurrent loans to loans | 0.8423% | 1,015 |
| Net loans and leases to total assets | 66.1786% | 1,668 |
| Net loans and leases to deposits | 73.1717% | 1,944 |
| Net loans and leases to core deposits | 75.2527% | 2,069 |
| Total domestic deposits to total assets | 90.4429% | 1,498 |
| Equity capital to assets | 9.4966% | 2,020 |
| Core capital (leverage) ratio | 10.2843% | 2,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,903,000 | 4,437 |
| Average earning assets | $55,870,667 | 4,404 |
| Average equity | $5,559,333 | 4,458 |
| Average total loans | $37,204,000 | 4,193 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2308% | 491 |
| Cost of funding earning assets | 0.1754% | 3,150 |
| Net interest margin | 4.0554% | 373 |
| Noninterest income to average assets | 0.1905% | 4,023 |
| Noninterest expense to average assets | 2.8034% | 1,147 |
| Loan and lease loss provision to assets | 0.0136% | 2,100 |
| Net operating income to assets | 0.9322% | 2,147 |
| Return on assets (ROA) | 0.9322% | 2,141 |
| Pretax return on assets | 1.3064% | 1,487 |
| Return on Equity (ROE) | 9.6589% | 2,099 |
| Retained earnings to average equity (ytd only) | -39.6933% | 4,768 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9868% | 2,508 |
| Assets per employee ($millions) | 4.7533% | 3,960 |
| Cash dividends to net income (ytd only)* | 510.9489% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 2,292 |
| Loan loss allowance to noncurrent loans | 113.0841% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.7504% | 747 |
| Noncurrent loans to loans | 1.1609% | 761 |
| Net loans and leases to total assets | 63.7879% | 1,649 |
| Net loans and leases to deposits | 70.3984% | 1,931 |
| Net loans and leases to core deposits | 72.8117% | 2,042 |
| Total domestic deposits to total assets | 90.6099% | 1,241 |
| Equity capital to assets | 9.2147% | 2,514 |
| Core capital (leverage) ratio | 9.5869% | 2,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,786,500 | 4,454 |
| Average earning assets | $57,010,500 | 4,413 |
| Average equity | $5,673,500 | 4,500 |
| Average total loans | $36,989,000 | 4,207 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2457% | 181 |
| Cost of funding earning assets | 0.2685% | 2,716 |
| Net interest margin | 4.9772% | 144 |
| Noninterest income to average assets | 0.0719% | 4,677 |
| Noninterest expense to average assets | 2.8168% | 1,320 |
| Loan and lease loss provision to assets | 0.1578% | 757 |
| Net operating income to assets | 1.3392% | 1,477 |
| Return on assets (ROA) | 1.3392% | 1,513 |
| Pretax return on assets | 1.8738% | 779 |
| Return on Equity (ROE) | 13.0558% | 1,446 |
| Retained earnings to average equity (ytd only) | 4.5114% | 2,999 |
| Net charge-offs to loans | 0.1769% | 546 |
| Credit loss provision to net charge-offs | 138.4615% | 1,541 |
| Earnings coverage of net charge-offs (x) | 17.8308% | 1,928 |
| Efficiency ratio | 58.0983% | 3,431 |
| Assets per employee ($millions) | 4.3239% | 4,255 |
| Cash dividends to net income (ytd only)* | 65.4450% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 2,362 |
| Loan loss allowance to noncurrent loans | 146.9512% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.5418% | 1,217 |
| Noncurrent loans to loans | 0.8839% | 1,148 |
| Net loans and leases to total assets | 60.5081% | 2,108 |
| Net loans and leases to deposits | 67.3222% | 2,377 |
| Net loans and leases to core deposits | 69.5081% | 2,502 |
| Total domestic deposits to total assets | 89.8784% | 1,012 |
| Equity capital to assets | 10.0621% | 2,598 |
| Core capital (leverage) ratio | 10.2874% | 2,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,050,200 | 4,489 |
| Average earning assets | $54,749,200 | 4,454 |
| Average equity | $5,851,800 | 4,546 |
| Average total loans | $36,738,800 | 4,254 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2823% | 197 |
| Cost of funding earning assets | 0.2878% | 2,712 |
| Net interest margin | 4.9945% | 161 |
| Noninterest income to average assets | 0.0617% | 4,776 |
| Noninterest expense to average assets | 2.7317% | 1,510 |
| Loan and lease loss provision to assets | 0.0516% | 1,959 |
| Net operating income to assets | 1.4738% | 1,332 |
| Return on assets (ROA) | 1.4738% | 1,379 |
| Pretax return on assets | 2.0553% | 725 |
| Return on Equity (ROE) | 14.2952% | 1,313 |
| Retained earnings to average equity (ytd only) | 2.7854% | 3,973 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4492% | 3,477 |
| Assets per employee ($millions) | 4.1556% | 4,358 |
| Cash dividends to net income (ytd only)* | 80.5153% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 2,536 |
| Loan loss allowance to noncurrent loans | 154.5161% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 1,428 |
| Noncurrent loans to loans | 0.8356% | 1,368 |
| Net loans and leases to total assets | 62.9413% | 1,897 |
| Net loans and leases to deposits | 70.3273% | 2,203 |
| Net loans and leases to core deposits | 72.7139% | 2,350 |
| Total domestic deposits to total assets | 89.4977% | 1,012 |
| Equity capital to assets | 10.2668% | 2,644 |
| Core capital (leverage) ratio | 10.3822% | 2,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,179,250 | 4,557 |
| Average earning assets | $53,737,500 | 4,522 |
| Average equity | $5,792,000 | 4,615 |
| Average total loans | $36,646,000 | 4,309 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2277% | 246 |
| Cost of funding earning assets | 0.3166% | 2,628 |
| Net interest margin | 4.9111% | 189 |
| Noninterest income to average assets | 0.0612% | 4,812 |
| Noninterest expense to average assets | 2.6264% | 1,785 |
| Loan and lease loss provision to assets | 0.0576% | 1,876 |
| Net operating income to assets | 1.4987% | 1,297 |
| Return on assets (ROA) | 1.4987% | 1,359 |
| Pretax return on assets | 2.0716% | 719 |
| Return on Equity (ROE) | 14.5158% | 1,280 |
| Retained earnings to average equity (ytd only) | -2.9311% | 4,715 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2273% | 3,638 |
| Assets per employee ($millions) | 4.0373% | 4,426 |
| Cash dividends to net income (ytd only)* | 120.1923% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 2,572 |
| Loan loss allowance to noncurrent loans | 128.8828% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.6493% | 1,283 |
| Noncurrent loans to loans | 0.9873% | 1,249 |
| Net loans and leases to total assets | 64.9269% | 1,836 |
| Net loans and leases to deposits | 72.4756% | 2,166 |
| Net loans and leases to core deposits | 75.0026% | 2,328 |
| Total domestic deposits to total assets | 89.5846% | 982 |
| Equity capital to assets | 10.2066% | 2,661 |
| Core capital (leverage) ratio | 10.2787% | 2,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,513,000 | 4,592 |
| Average earning assets | $53,063,333 | 4,563 |
| Average equity | $5,731,667 | 4,651 |
| Average total loans | $36,495,667 | 4,346 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2437% | 253 |
| Cost of funding earning assets | 0.3577% | 2,464 |
| Net interest margin | 4.8860% | 216 |
| Noninterest income to average assets | 0.0654% | 4,808 |
| Noninterest expense to average assets | 2.4142% | 2,454 |
| Loan and lease loss provision to assets | 0.0727% | 1,722 |
| Net operating income to assets | 1.6070% | 1,117 |
| Return on assets (ROA) | 1.6070% | 1,164 |
| Pretax return on assets | 2.2469% | 641 |
| Return on Equity (ROE) | 15.4735% | 1,120 |
| Retained earnings to average equity (ytd only) | -19.5344% | 4,915 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9985% | 4,094 |
| Assets per employee ($millions) | 4.3055% | 4,267 |
| Cash dividends to net income (ytd only)* | 226.2443% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 2,536 |
| Loan loss allowance to noncurrent loans | 126.5583% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.6593% | 1,438 |
| Noncurrent loans to loans | 1.0094% | 1,325 |
| Net loans and leases to total assets | 64.4780% | 1,984 |
| Net loans and leases to deposits | 71.8547% | 2,325 |
| Net loans and leases to core deposits | 74.3781% | 2,480 |
| Total domestic deposits to total assets | 89.7340% | 939 |
| Equity capital to assets | 9.9587% | 2,740 |
| Core capital (leverage) ratio | 10.1715% | 2,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,008,500 | 4,615 |
| Average earning assets | $52,558,500 | 4,584 |
| Average equity | $5,713,000 | 4,669 |
| Average total loans | $36,158,000 | 4,376 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9594% | 99 |
| Cost of funding earning assets | 0.5247% | 2,782 |
| Net interest margin | 5.4347% | 69 |
| Noninterest income to average assets | 0.1391% | 4,597 |
| Noninterest expense to average assets | 3.0813% | 1,272 |
| Loan and lease loss provision to assets | 0.3345% | 1,057 |
| Net operating income to assets | 1.3522% | 1,119 |
| Return on assets (ROA) | 1.3522% | 1,214 |
| Pretax return on assets | 1.9205% | 531 |
| Return on Equity (ROE) | 11.9697% | 1,330 |
| Retained earnings to average equity (ytd only) | 3.2645% | 3,197 |
| Net charge-offs to loans | 0.3407% | 511 |
| Credit loss provision to net charge-offs | 137.1901% | 2,507 |
| Earnings coverage of net charge-offs (x) | 9.2479% | 2,538 |
| Efficiency ratio | 57.7417% | 3,762 |
| Assets per employee ($millions) | 4.1574% | 4,248 |
| Cash dividends to net income (ytd only)* | 72.7273% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 2,511 |
| Loan loss allowance to noncurrent loans | 71.5625% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.1842% | 741 |
| Noncurrent loans to loans | 1.7897% | 700 |
| Net loans and leases to total assets | 65.3184% | 2,182 |
| Net loans and leases to deposits | 73.3884% | 2,550 |
| Net loans and leases to core deposits | 75.0468% | 2,813 |
| Total domestic deposits to total assets | 89.0038% | 990 |
| Equity capital to assets | 10.8278% | 2,405 |
| Core capital (leverage) ratio | 11.0332% | 1,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,621,400 | 4,658 |
| Average earning assets | $47,454,400 | 4,626 |
| Average equity | $5,605,800 | 4,688 |
| Average total loans | $35,517,800 | 4,396 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8543% | 135 |
| Cost of funding earning assets | 0.5567% | 2,888 |
| Net interest margin | 5.2976% | 97 |
| Noninterest income to average assets | 0.1237% | 4,671 |
| Noninterest expense to average assets | 2.9846% | 1,474 |
| Loan and lease loss provision to assets | 0.3463% | 1,103 |
| Net operating income to assets | 1.3219% | 1,308 |
| Return on assets (ROA) | 1.3219% | 1,393 |
| Pretax return on assets | 1.8660% | 682 |
| Return on Equity (ROE) | 11.5673% | 1,489 |
| Retained earnings to average equity (ytd only) | -0.1683% | 4,499 |
| Net charge-offs to loans | 0.2971% | 529 |
| Credit loss provision to net charge-offs | 159.4937% | 2,273 |
| Earnings coverage of net charge-offs (x) | 10.1899% | 2,373 |
| Efficiency ratio | 57.4299% | 3,747 |
| Assets per employee ($millions) | 3.9913% | 4,318 |
| Cash dividends to net income (ytd only)* | 101.4553% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 2,342 |
| Loan loss allowance to noncurrent loans | 93.2927% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.9482% | 1,185 |
| Noncurrent loans to loans | 1.3534% | 1,085 |
| Net loans and leases to total assets | 69.1753% | 2,081 |
| Net loans and leases to deposits | 77.7746% | 2,554 |
| Net loans and leases to core deposits | 80.7419% | 2,779 |
| Total domestic deposits to total assets | 88.9433% | 794 |
| Equity capital to assets | 10.9122% | 2,467 |
| Core capital (leverage) ratio | 11.1139% | 1,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,515,250 | 4,695 |
| Average earning assets | $46,460,250 | 4,661 |
| Average equity | $5,544,250 | 4,715 |
| Average total loans | $35,457,250 | 4,428 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0920% | 133 |
| Cost of funding earning assets | 0.6145% | 2,894 |
| Net interest margin | 5.4775% | 92 |
| Noninterest income to average assets | 0.1182% | 4,707 |
| Noninterest expense to average assets | 3.0807% | 1,400 |
| Loan and lease loss provision to assets | 0.4051% | 994 |
| Net operating income to assets | 1.3294% | 1,280 |
| Return on assets (ROA) | 1.3294% | 1,381 |
| Pretax return on assets | 1.8611% | 723 |
| Return on Equity (ROE) | 11.4441% | 1,495 |
| Retained earnings to average equity (ytd only) | -6.2489% | 4,820 |
| Net charge-offs to loans | 0.3356% | 484 |
| Credit loss provision to net charge-offs | 162.7119% | 2,070 |
| Earnings coverage of net charge-offs (x) | 9.1017% | 2,250 |
| Efficiency ratio | 57.3007% | 3,773 |
| Assets per employee ($millions) | 4.1901% | 4,116 |
| Cash dividends to net income (ytd only)* | 154.6032% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 2,271 |
| Loan loss allowance to noncurrent loans | 87.5244% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.0203% | 1,172 |
| Noncurrent loans to loans | 1.4248% | 1,085 |
| Net loans and leases to total assets | 70.7146% | 1,920 |
| Net loans and leases to deposits | 79.5579% | 2,481 |
| Net loans and leases to core deposits | 82.6634% | 2,728 |
| Total domestic deposits to total assets | 88.8845% | 791 |
| Equity capital to assets | 10.9345% | 2,404 |
| Core capital (leverage) ratio | 11.3621% | 1,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $47,391,333 | 4,726 |
| Average earning assets | $45,239,333 | 4,699 |
| Average equity | $5,505,000 | 4,746 |
| Average total loans | $35,159,000 | 4,453 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1472% | 137 |
| Cost of funding earning assets | 0.7044% | 2,915 |
| Net interest margin | 5.4428% | 94 |
| Noninterest income to average assets | 0.1219% | 4,749 |
| Noninterest expense to average assets | 3.3082% | 1,210 |
| Loan and lease loss provision to assets | 0.0522% | 3,124 |
| Net operating income to assets | 1.3842% | 1,027 |
| Return on assets (ROA) | 1.3842% | 1,103 |
| Pretax return on assets | 1.9414% | 521 |
| Return on Equity (ROE) | 11.5458% | 1,245 |
| Retained earnings to average equity (ytd only) | -23.8177% | 5,001 |
| Net charge-offs to loans | -0.0115% | 4,120 |
| Credit loss provision to net charge-offs | -600.0000% | 3,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0690% | 3,489 |
| Assets per employee ($millions) | 3.7828% | 4,191 |
| Cash dividends to net income (ytd only)* | 306.2893% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 2,615 |
| Loan loss allowance to noncurrent loans | 56.2416% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 1.6412% | 616 |
| Noncurrent loans to loans | 2.1501% | 630 |
| Net loans and leases to total assets | 75.4086% | 1,403 |
| Net loans and leases to deposits | 85.7189% | 2,036 |
| Net loans and leases to core deposits | 89.7933% | 2,364 |
| Total domestic deposits to total assets | 87.9720% | 1,121 |
| Equity capital to assets | 11.7747% | 2,233 |
| Core capital (leverage) ratio | 11.6234% | 1,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,946,500 | 4,768 |
| Average earning assets | $43,727,500 | 4,747 |
| Average equity | $5,508,500 | 4,782 |
| Average total loans | $34,736,000 | 4,478 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0149% | 222 |
| Cost of funding earning assets | 0.7138% | 3,099 |
| Net interest margin | 5.3011% | 153 |
| Noninterest income to average assets | 0.1533% | 4,725 |
| Noninterest expense to average assets | 3.1908% | 1,545 |
| Loan and lease loss provision to assets | 0.0756% | 2,484 |
| Net operating income to assets | 1.9214% | 414 |
| Return on assets (ROA) | 1.9192% | 432 |
| Pretax return on assets | 1.9192% | 715 |
| Return on Equity (ROE) | 16.5340% | 471 |
| Retained earnings to average equity (ytd only) | 8.3693% | 869 |
| Net charge-offs to loans | 0.0288% | 2,823 |
| Credit loss provision to net charge-offs | 350.0000% | 795 |
| Earnings coverage of net charge-offs (x) | 92.5000% | 718 |
| Efficiency ratio | 61.1735% | 3,510 |
| Assets per employee ($millions) | 3.5768% | 4,394 |
| Cash dividends to net income (ytd only)* | 49.3813% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 2,524 |
| Loan loss allowance to noncurrent loans | 61.1276% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 1.4495% | 709 |
| Noncurrent loans to loans | 1.9356% | 675 |
| Net loans and leases to total assets | 74.0016% | 1,752 |
| Net loans and leases to deposits | 86.4834% | 2,028 |
| Net loans and leases to core deposits | 91.8090% | 2,249 |
| Total domestic deposits to total assets | 85.5674% | 2,258 |
| Equity capital to assets | 12.1981% | 2,015 |
| Core capital (leverage) ratio | 12.0088% | 1,771 |
| Tier 1 risk-based capital ratio | 17.3449% | 1,942 |
| Total risk-based capital ratio | 18.5932% | 1,896 |
| Memoranda: | ||
| Average total assets | $46,320,800 | 4,810 |
| Average earning assets | $43,990,600 | 4,783 |
| Average equity | $5,376,800 | 4,841 |
| Average total loans | $34,721,000 | 4,544 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9738% | 250 |
| Cost of funding earning assets | 0.7092% | 3,163 |
| Net interest margin | 5.2645% | 178 |
| Noninterest income to average assets | 0.1239% | 4,907 |
| Noninterest expense to average assets | 3.1146% | 1,685 |
| Loan and lease loss provision to assets | 0.0720% | 2,434 |
| Net operating income to assets | 1.9419% | 442 |
| Return on assets (ROA) | 1.9390% | 466 |
| Pretax return on assets | 1.9390% | 790 |
| Return on Equity (ROE) | 16.9208% | 483 |
| Retained earnings to average equity (ytd only) | 5.8833% | 2,426 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5056% | 3,543 |
| Assets per employee ($millions) | 3.9067% | 4,018 |
| Cash dividends to net income (ytd only)* | 65.2305% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1797% | 2,617 |
| Loan loss allowance to noncurrent loans | 39.2586% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 2.2440% | 345 |
| Noncurrent loans to loans | 3.0049% | 324 |
| Net loans and leases to total assets | 73.7969% | 1,852 |
| Net loans and leases to deposits | 85.6846% | 2,235 |
| Net loans and leases to core deposits | 92.0841% | 2,358 |
| Total domestic deposits to total assets | 86.1263% | 1,934 |
| Equity capital to assets | 11.6382% | 2,570 |
| Core capital (leverage) ratio | 11.7223% | 2,064 |
| Tier 1 risk-based capital ratio | 16.6169% | 2,221 |
| Total risk-based capital ratio | 17.8663% | 2,154 |
| Memoranda: | ||
| Average total assets | $46,276,250 | 4,883 |
| Average earning assets | $43,991,250 | 4,855 |
| Average equity | $5,303,000 | 4,915 |
| Average total loans | $34,695,750 | 4,604 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9394% | 264 |
| Cost of funding earning assets | 0.7098% | 3,113 |
| Net interest margin | 5.2296% | 186 |
| Noninterest income to average assets | 0.1129% | 4,992 |
| Noninterest expense to average assets | 3.1557% | 1,601 |
| Loan and lease loss provision to assets | 0.1085% | 1,728 |
| Net operating income to assets | 1.8058% | 584 |
| Return on assets (ROA) | 1.8058% | 607 |
| Pretax return on assets | 1.8058% | 1,012 |
| Return on Equity (ROE) | 15.8416% | 617 |
| Retained earnings to average equity (ytd only) | 2.6657% | 3,864 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9863% | 3,435 |
| Assets per employee ($millions) | 3.8540% | 4,055 |
| Cash dividends to net income (ytd only)* | 83.1731% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 2,550 |
| Loan loss allowance to noncurrent loans | 44.1586% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 2.8931% | 218 |
| Noncurrent loans to loans | 2.7073% | 402 |
| Net loans and leases to total assets | 73.6270% | 1,947 |
| Net loans and leases to deposits | 85.3665% | 2,327 |
| Net loans and leases to core deposits | 93.0406% | 2,320 |
| Total domestic deposits to total assets | 86.2481% | 1,914 |
| Equity capital to assets | 11.4491% | 2,640 |
| Core capital (leverage) ratio | 11.6623% | 2,048 |
| Tier 1 risk-based capital ratio | 15.8492% | 2,477 |
| Total risk-based capital ratio | 17.0836% | 2,418 |
| Memoranda: | ||
| Average total assets | $46,075,000 | 4,927 |
| Average earning assets | $43,674,670 | 4,900 |
| Average equity | $5,252,000 | 4,952 |
| Average total loans | $34,591,330 | 4,639 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8375% | 291 |
| Cost of funding earning assets | 0.7023% | 3,041 |
| Net interest margin | 5.1352% | 224 |
| Noninterest income to average assets | 0.0957% | 5,098 |
| Noninterest expense to average assets | 3.1399% | 1,634 |
| Loan and lease loss provision to assets | 0.1305% | 1,338 |
| Net operating income to assets | 1.7222% | 700 |
| Return on assets (ROA) | 1.7222% | 727 |
| Pretax return on assets | 1.7222% | 1,164 |
| Return on Equity (ROE) | 15.1420% | 722 |
| Retained earnings to average equity (ytd only) | 1.6824% | 4,145 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7178% | 3,427 |
| Assets per employee ($millions) | 3.8299% | 4,154 |
| Cash dividends to net income (ytd only)* | 88.8889% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 2,720 |
| Loan loss allowance to noncurrent loans | 45.7859% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 1.9104% | 535 |
| Noncurrent loans to loans | 2.5637% | 500 |
| Net loans and leases to total assets | 73.6417% | 1,874 |
| Net loans and leases to deposits | 87.5385% | 1,931 |
| Net loans and leases to core deposits | 95.6722% | 1,957 |
| Total domestic deposits to total assets | 84.1250% | 3,003 |
| Equity capital to assets | 11.4080% | 2,483 |
| Core capital (leverage) ratio | 11.4096% | 2,205 |
| Tier 1 risk-based capital ratio | 15.8847% | 2,492 |
| Total risk-based capital ratio | 17.1031% | 2,442 |
| Memoranda: | ||
| Average total assets | $45,988,500 | 4,977 |
| Average earning assets | $43,854,500 | 4,946 |
| Average equity | $5,230,500 | 4,999 |
| Average total loans | $34,655,500 | 4,684 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9315% | 184 |
| Cost of funding earning assets | 0.5401% | 3,110 |
| Net interest margin | 5.3915% | 131 |
| Noninterest income to average assets | 0.3380% | 3,855 |
| Noninterest expense to average assets | 2.9906% | 2,066 |
| Loan and lease loss provision to assets | 0.4778% | 257 |
| Net operating income to assets | 2.0215% | 345 |
| Return on assets (ROA) | 2.0215% | 341 |
| Pretax return on assets | 2.0215% | 536 |
| Return on Equity (ROE) | 17.7582% | 417 |
| Retained earnings to average equity (ytd only) | 3.5635% | 3,629 |
| Net charge-offs to loans | 0.4951% | 359 |
| Credit loss provision to net charge-offs | 121.1429% | 2,148 |
| Earnings coverage of net charge-offs (x) | 6.3371% | 3,097 |
| Efficiency ratio | 54.3514% | 4,580 |
| Assets per employee ($millions) | 3.8348% | 4,125 |
| Cash dividends to net income (ytd only)* | 79.9331% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 3,052 |
| Loan loss allowance to noncurrent loans | 39.9588% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 2.1100% | 437 |
| Noncurrent loans to loans | 2.7692% | 400 |
| Net loans and leases to total assets | 75.3531% | 1,722 |
| Net loans and leases to deposits | 89.4818% | 1,864 |
| Net loans and leases to core deposits | 97.7670% | 1,884 |
| Total domestic deposits to total assets | 84.2105% | 2,933 |
| Equity capital to assets | 11.3390% | 2,379 |
| Core capital (leverage) ratio | 11.3468% | 2,226 |
| Tier 1 risk-based capital ratio | 15.5168% | 2,611 |
| Total risk-based capital ratio | 16.6701% | 2,575 |
| Memoranda: | ||
| Average total assets | $44,372,800 | 5,045 |
| Average earning assets | $42,400,400 | 5,004 |
| Average equity | $5,051,200 | 5,044 |
| Average total loans | $35,345,000 | 4,675 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9592% | 161 |
| Cost of funding earning assets | 0.5175% | 3,079 |
| Net interest margin | 5.4418% | 115 |
| Noninterest income to average assets | 0.4034% | 3,463 |
| Noninterest expense to average assets | 2.9692% | 2,115 |
| Loan and lease loss provision to assets | 0.2790% | 541 |
| Net operating income to assets | 2.3535% | 202 |
| Return on assets (ROA) | 2.3535% | 200 |
| Pretax return on assets | 2.3535% | 306 |
| Return on Equity (ROE) | 20.6536% | 234 |
| Retained earnings to average equity (ytd only) | 1.5702% | 4,704 |
| Net charge-offs to loans | -0.0263% | 4,706 |
| Credit loss provision to net charge-offs | -1,314.2857% | 4,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8966% | 4,720 |
| Assets per employee ($millions) | 3.5171% | 4,540 |
| Cash dividends to net income (ytd only)* | 92.3974% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 2,210 |
| Loan loss allowance to noncurrent loans | 29.4579% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 3.3485% | 189 |
| Noncurrent loans to loans | 4.3334% | 177 |
| Net loans and leases to total assets | 76.2849% | 1,620 |
| Net loans and leases to deposits | 90.3929% | 1,842 |
| Net loans and leases to core deposits | 98.7990% | 1,880 |
| Total domestic deposits to total assets | 84.3926% | 2,816 |
| Equity capital to assets | 11.1391% | 2,528 |
| Core capital (leverage) ratio | 11.0526% | 2,530 |
| Tier 1 risk-based capital ratio | 14.8610% | 2,942 |
| Total risk-based capital ratio | 16.1111% | 2,861 |
| Memoranda: | ||
| Average total assets | $43,961,500 | 5,112 |
| Average earning assets | $41,995,250 | 5,075 |
| Average equity | $5,009,500 | 5,109 |
| Average total loans | $35,415,250 | 4,726 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8797% | 169 |
| Cost of funding earning assets | 0.4690% | 3,232 |
| Net interest margin | 5.4107% | 123 |
| Noninterest income to average assets | 0.5303% | 2,685 |
| Noninterest expense to average assets | 2.9925% | 2,058 |
| Loan and lease loss provision to assets | 0.1014% | 1,919 |
| Net operating income to assets | 2.5960% | 129 |
| Return on assets (ROA) | 2.5960% | 129 |
| Pretax return on assets | 2.5960% | 190 |
| Return on Equity (ROE) | 22.6029% | 140 |
| Retained earnings to average equity (ytd only) | -2.2081% | 5,169 |
| Net charge-offs to loans | -0.0113% | 4,359 |
| Credit loss provision to net charge-offs | -1,100.0000% | 4,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5122% | 4,834 |
| Assets per employee ($millions) | 3.8421% | 4,143 |
| Cash dividends to net income (ytd only)* | 109.7691% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 3,618 |
| Loan loss allowance to noncurrent loans | 81.3853% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 1.0021% | 1,500 |
| Noncurrent loans to loans | 1.2726% | 1,344 |
| Net loans and leases to total assets | 77.9243% | 1,330 |
| Net loans and leases to deposits | 91.9037% | 1,598 |
| Net loans and leases to core deposits | 98.6680% | 1,838 |
| Total domestic deposits to total assets | 84.7891% | 2,754 |
| Equity capital to assets | 10.8079% | 2,830 |
| Core capital (leverage) ratio | 11.3838% | 2,173 |
| Tier 1 risk-based capital ratio | 14.0013% | 3,360 |
| Total risk-based capital ratio | 15.0571% | 3,371 |
| Memoranda: | ||
| Average total assets | $43,374,670 | 5,178 |
| Average earning assets | $41,362,670 | 5,146 |
| Average equity | $4,981,670 | 5,167 |
| Average total loans | $35,443,670 | 4,768 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8890% | 162 |
| Cost of funding earning assets | 0.4399% | 3,285 |
| Net interest margin | 5.4490% | 114 |
| Noninterest income to average assets | 0.8855% | 1,185 |
| Noninterest expense to average assets | 3.1421% | 1,710 |
| Loan and lease loss provision to assets | 0.1238% | 1,519 |
| Net operating income to assets | 2.8089% | 91 |
| Return on assets (ROA) | 2.8089% | 91 |
| Pretax return on assets | 2.8089% | 134 |
| Return on Equity (ROE) | 23.6900% | 114 |
| Retained earnings to average equity (ytd only) | -9.0745% | 5,343 |
| Net charge-offs to loans | 0.0343% | 1,827 |
| Credit loss provision to net charge-offs | 433.3333% | 655 |
| Earnings coverage of net charge-offs (x) | 102.6667% | 604 |
| Efficiency ratio | 51.7241% | 4,980 |
| Assets per employee ($millions) | 3.5393% | 4,622 |
| Cash dividends to net income (ytd only)* | 138.3051% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0255% | 3,811 |
| Loan loss allowance to noncurrent loans | 73.9754% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.8978% | 620 |
| Noncurrent loans to loans | 1.3862% | 1,286 |
| Net loans and leases to total assets | 82.0395% | 660 |
| Net loans and leases to deposits | 94.8470% | 1,152 |
| Net loans and leases to core deposits | 102.2839% | 1,505 |
| Total domestic deposits to total assets | 86.4967% | 2,317 |
| Equity capital to assets | 11.5961% | 2,062 |
| Core capital (leverage) ratio | 11.7398% | 1,823 |
| Tier 1 risk-based capital ratio | 14.7755% | 2,991 |
| Total risk-based capital ratio | 15.8575% | 2,972 |
| Memoranda: | ||
| Average total assets | $42,009,500 | 5,250 |
| Average earning assets | $40,007,000 | 5,223 |
| Average equity | $4,981,000 | 5,223 |
| Average total loans | $35,014,000 | 4,829 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7550% | 178 |
| Cost of funding earning assets | 0.3784% | 3,433 |
| Net interest margin | 5.3766% | 125 |
| Noninterest income to average assets | 0.2081% | 4,898 |
| Noninterest expense to average assets | 3.2673% | 1,442 |
| Loan and lease loss provision to assets | 0.0150% | 3,991 |
| Net operating income to assets | 2.0562% | 251 |
| Return on assets (ROA) | 2.0562% | 259 |
| Pretax return on assets | 2.0562% | 432 |
| Return on Equity (ROE) | 16.8634% | 407 |
| Retained earnings to average equity (ytd only) | 1.7892% | 4,246 |
| Net charge-offs to loans | 0.0094% | 3,762 |
| Credit loss provision to net charge-offs | 200.0000% | 1,355 |
| Earnings coverage of net charge-offs (x) | 275.3333% | 306 |
| Efficiency ratio | 61.2024% | 4,077 |
| Assets per employee ($millions) | 3.1960% | 5,034 |
| Cash dividends to net income (ytd only)* | 89.3902% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 3,888 |
| Loan loss allowance to noncurrent loans | 71.7791% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 2.1084% | 515 |
| Noncurrent loans to loans | 1.4042% | 1,222 |
| Net loans and leases to total assets | 82.9715% | 566 |
| Net loans and leases to deposits | 95.9796% | 1,094 |
| Net loans and leases to core deposits | 102.9198% | 1,491 |
| Total domestic deposits to total assets | 86.4470% | 2,255 |
| Equity capital to assets | 12.1233% | 1,746 |
| Core capital (leverage) ratio | 12.1784% | 1,509 |
| Tier 1 risk-based capital ratio | 14.7843% | 2,940 |
| Total risk-based capital ratio | 15.8137% | 2,982 |
| Memoranda: | ||
| Average total assets | $39,880,200 | 5,329 |
| Average earning assets | $38,054,000 | 5,302 |
| Average equity | $4,862,600 | 5,293 |
| Average total loans | $31,899,400 | 4,972 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7304% | 182 |
| Cost of funding earning assets | 0.3723% | 3,443 |
| Net interest margin | 5.3581% | 132 |
| Noninterest income to average assets | 0.1588% | 5,224 |
| Noninterest expense to average assets | 3.1353% | 1,709 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.1285% | 249 |
| Return on assets (ROA) | 2.1285% | 254 |
| Pretax return on assets | 2.1285% | 427 |
| Return on Equity (ROE) | 17.4306% | 381 |
| Retained earnings to average equity (ytd only) | -2.8498% | 5,475 |
| Net charge-offs to loans | 0.0086% | 3,420 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 314.5993% | 292 |
| Efficiency ratio | 59.5635% | 4,282 |
| Assets per employee ($millions) | 3.1725% | 5,104 |
| Cash dividends to net income (ytd only)* | 116.3492% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 3,843 |
| Loan loss allowance to noncurrent loans | 69.6177% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 2.2259% | 540 |
| Noncurrent loans to loans | 1.4937% | 1,251 |
| Net loans and leases to total assets | 79.8361% | 1,008 |
| Net loans and leases to deposits | 91.0992% | 1,676 |
| Net loans and leases to core deposits | 97.6250% | 1,914 |
| Total domestic deposits to total assets | 87.6364% | 1,555 |
| Equity capital to assets | 11.7793% | 2,125 |
| Core capital (leverage) ratio | 12.0461% | 1,655 |
| Tier 1 risk-based capital ratio | 14.7911% | 3,018 |
| Total risk-based capital ratio | 15.8463% | 3,050 |
| Memoranda: | ||
| Average total assets | $39,463,250 | 5,393 |
| Average earning assets | $37,599,500 | 5,368 |
| Average equity | $4,819,000 | 5,361 |
| Average total loans | $31,168,250 | 5,042 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5971% | 212 |
| Cost of funding earning assets | 0.3756% | 3,331 |
| Net interest margin | 5.2215% | 159 |
| Noninterest income to average assets | 0.1647% | 5,232 |
| Noninterest expense to average assets | 3.0409% | 2,006 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.1302% | 248 |
| Return on assets (ROA) | 2.1302% | 251 |
| Pretax return on assets | 2.1302% | 419 |
| Return on Equity (ROE) | 17.2285% | 393 |
| Retained earnings to average equity (ytd only) | -9.0304% | 5,632 |
| Net charge-offs to loans | 0.0066% | 3,221 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 414.0000% | 206 |
| Efficiency ratio | 58.8060% | 4,491 |
| Assets per employee ($millions) | 3.0724% | 5,208 |
| Cash dividends to net income (ytd only)* | 152.4155% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 3,335 |
| Loan loss allowance to noncurrent loans | 108.7774% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 1.8527% | 728 |
| Noncurrent loans to loans | 1.0538% | 1,869 |
| Net loans and leases to total assets | 74.9205% | 1,707 |
| Net loans and leases to deposits | 85.0815% | 2,344 |
| Net loans and leases to core deposits | 91.3487% | 2,389 |
| Total domestic deposits to total assets | 88.0574% | 1,427 |
| Equity capital to assets | 11.8775% | 2,021 |
| Core capital (leverage) ratio | 12.1536% | 1,553 |
| Tier 1 risk-based capital ratio | 15.5187% | 2,701 |
| Total risk-based capital ratio | 16.6557% | 2,686 |
| Memoranda: | ||
| Average total assets | $38,870,330 | 5,447 |
| Average earning assets | $37,269,330 | 5,412 |
| Average equity | $4,806,000 | 5,402 |
| Average total loans | $30,467,000 | 5,096 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6227% | 198 |
| Cost of funding earning assets | 0.3784% | 3,216 |
| Net interest margin | 5.2442% | 148 |
| Noninterest income to average assets | 0.1461% | 5,383 |
| Noninterest expense to average assets | 2.9947% | 2,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.2121% | 223 |
| Return on assets (ROA) | 2.2121% | 227 |
| Pretax return on assets | 2.2121% | 352 |
| Return on Equity (ROE) | 17.5315% | 371 |
| Retained earnings to average equity (ytd only) | -18.8547% | 5,713 |
| Net charge-offs to loans | 0.0262% | 2,230 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 106.0000% | 513 |
| Efficiency ratio | 57.5150% | 4,777 |
| Assets per employee ($millions) | 3.2228% | 5,135 |
| Cash dividends to net income (ytd only)* | 207.5472% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 3,434 |
| Loan loss allowance to noncurrent loans | 157.9909% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 1.6549% | 924 |
| Noncurrent loans to loans | 0.7255% | 2,686 |
| Net loans and leases to total assets | 77.1649% | 1,246 |
| Net loans and leases to deposits | 87.9750% | 1,799 |
| Net loans and leases to core deposits | 94.7034% | 1,914 |
| Total domestic deposits to total assets | 87.7124% | 1,882 |
| Equity capital to assets | 12.2256% | 1,696 |
| Core capital (leverage) ratio | 12.3320% | 1,429 |
| Tier 1 risk-based capital ratio | 16.3349% | 2,419 |
| Total risk-based capital ratio | 17.5308% | 2,389 |
| Memoranda: | ||
| Average total assets | $38,335,000 | 5,518 |
| Average earning assets | $36,993,000 | 5,482 |
| Average equity | $4,837,000 | 5,450 |
| Average total loans | $30,565,000 | 5,138 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4384% | 267 |
| Cost of funding earning assets | 0.3481% | 3,534 |
| Net interest margin | 5.0904% | 213 |
| Noninterest income to average assets | 0.2247% | 5,066 |
| Noninterest expense to average assets | 3.0882% | 2,074 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.0275% | 298 |
| Return on assets (ROA) | 2.0275% | 312 |
| Pretax return on assets | 2.0275% | 465 |
| Return on Equity (ROE) | 16.1190% | 497 |
| Retained earnings to average equity (ytd only) | -0.1454% | 5,326 |
| Net charge-offs to loans | 0.0102% | 3,924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 258.6667% | 278 |
| Efficiency ratio | 60.3677% | 4,524 |
| Assets per employee ($millions) | 2.9228% | 5,409 |
| Cash dividends to net income (ytd only)* | 100.9021% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 3,575 |
| Loan loss allowance to noncurrent loans | 81.4988% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 2.2581% | 564 |
| Noncurrent loans to loans | 1.3800% | 1,485 |
| Net loans and leases to total assets | 80.5169% | 812 |
| Net loans and leases to deposits | 93.1806% | 1,277 |
| Net loans and leases to core deposits | 99.8988% | 1,633 |
| Total domestic deposits to total assets | 86.4095% | 2,410 |
| Equity capital to assets | 13.0168% | 1,249 |
| Core capital (leverage) ratio | 12.9229% | 1,162 |
| Tier 1 risk-based capital ratio | 16.8704% | 2,201 |
| Total risk-based capital ratio | 18.0555% | 2,179 |
| Memoranda: | ||
| Average total assets | $38,274,600 | 5,570 |
| Average earning assets | $36,775,200 | 5,529 |
| Average equity | $4,814,200 | 5,495 |
| Average total loans | $29,545,400 | 5,209 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3370% | 340 |
| Cost of funding earning assets | 0.3478% | 3,559 |
| Net interest margin | 4.9892% | 255 |
| Noninterest income to average assets | 0.2434% | 5,018 |
| Noninterest expense to average assets | 3.0356% | 2,213 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.9959% | 347 |
| Return on assets (ROA) | 1.9959% | 358 |
| Pretax return on assets | 1.9959% | 573 |
| Return on Equity (ROE) | 16.0065% | 544 |
| Retained earnings to average equity (ytd only) | -5.8282% | 5,758 |
| Net charge-offs to loans | 0.0137% | 3,470 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 191.3275% | 385 |
| Efficiency ratio | 60.3317% | 4,495 |
| Assets per employee ($millions) | 3.2616% | 5,091 |
| Cash dividends to net income (ytd only)* | 136.4114% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1273% | 3,689 |
| Loan loss allowance to noncurrent loans | 107.7399% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.9673% | 795 |
| Noncurrent loans to loans | 1.0464% | 2,147 |
| Net loans and leases to total assets | 77.9810% | 1,199 |
| Net loans and leases to deposits | 88.8789% | 1,910 |
| Net loans and leases to core deposits | 95.7131% | 2,025 |
| Total domestic deposits to total assets | 87.7386% | 1,533 |
| Equity capital to assets | 12.1899% | 1,988 |
| Core capital (leverage) ratio | 12.4457% | 1,420 |
| Tier 1 risk-based capital ratio | 15.8617% | 2,683 |
| Total risk-based capital ratio | 17.0233% | 2,650 |
| Memoranda: | ||
| Average total assets | $38,344,000 | 5,623 |
| Average earning assets | $36,798,500 | 5,581 |
| Average equity | $4,781,250 | 5,561 |
| Average total loans | $29,196,250 | 5,272 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4191% | 288 |
| Cost of funding earning assets | 0.3397% | 3,689 |
| Net interest margin | 5.0794% | 225 |
| Noninterest income to average assets | 0.1786% | 5,424 |
| Noninterest expense to average assets | 3.0095% | 2,314 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.0379% | 306 |
| Return on assets (ROA) | 2.0379% | 322 |
| Pretax return on assets | 2.0379% | 531 |
| Return on Equity (ROE) | 16.2185% | 511 |
| Retained earnings to average equity (ytd only) | -12.4982% | 5,906 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6254% | 4,689 |
| Assets per employee ($millions) | 3.0953% | 5,329 |
| Cash dividends to net income (ytd only)* | 177.0619% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 3,145 |
| Loan loss allowance to noncurrent loans | 107.3394% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 2.2885% | 654 |
| Noncurrent loans to loans | 1.1533% | 1,990 |
| Net loans and leases to total assets | 75.3897% | 1,580 |
| Net loans and leases to deposits | 86.4259% | 2,203 |
| Net loans and leases to core deposits | 93.4958% | 2,215 |
| Total domestic deposits to total assets | 87.2304% | 1,794 |
| Equity capital to assets | 12.6457% | 1,688 |
| Core capital (leverage) ratio | 12.3313% | 1,438 |
| Tier 1 risk-based capital ratio | 16.9862% | 2,226 |
| Total risk-based capital ratio | 18.2362% | 2,187 |
| Memoranda: | ||
| Average total assets | $38,079,000 | 5,699 |
| Average earning assets | $36,500,330 | 5,654 |
| Average equity | $4,784,670 | 5,614 |
| Average total loans | $28,638,670 | 5,348 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4514% | 277 |
| Cost of funding earning assets | 0.3137% | 4,019 |
| Net interest margin | 5.1377% | 192 |
| Noninterest income to average assets | 0.1349% | 5,667 |
| Noninterest expense to average assets | 2.9989% | 2,395 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.0650% | 298 |
| Return on assets (ROA) | 2.0650% | 309 |
| Pretax return on assets | 2.0650% | 500 |
| Return on Equity (ROE) | 16.4855% | 489 |
| Retained earnings to average equity (ytd only) | -25.5152% | 6,005 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2213% | 4,851 |
| Assets per employee ($millions) | 3.1708% | 5,317 |
| Cash dividends to net income (ytd only)* | 254.7739% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 3,306 |
| Loan loss allowance to noncurrent loans | 104.7761% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 2.3549% | 661 |
| Noncurrent loans to loans | 1.1740% | 2,064 |
| Net loans and leases to total assets | 74.0703% | 1,717 |
| Net loans and leases to deposits | 85.3642% | 2,144 |
| Net loans and leases to core deposits | 92.6280% | 2,130 |
| Total domestic deposits to total assets | 86.7697% | 2,317 |
| Equity capital to assets | 12.2947% | 1,833 |
| Core capital (leverage) ratio | 12.1742% | 1,511 |
| Tier 1 risk-based capital ratio | 16.3240% | 2,550 |
| Total risk-based capital ratio | 17.5556% | 2,511 |
| Memoranda: | ||
| Average total assets | $38,547,000 | 5,746 |
| Average earning assets | $36,981,500 | 5,702 |
| Average equity | $4,828,500 | 5,654 |
| Average total loans | $28,781,500 | 5,385 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3344% | 351 |
| Cost of funding earning assets | 0.3184% | 4,054 |
| Net interest margin | 5.0159% | 246 |
| Noninterest income to average assets | 0.1662% | 5,587 |
| Noninterest expense to average assets | 2.9978% | 2,554 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.0194% | 333 |
| Return on assets (ROA) | 2.0330% | 336 |
| Pretax return on assets | 2.0330% | 504 |
| Return on Equity (ROE) | 15.4075% | 626 |
| Retained earnings to average equity (ytd only) | -0.5990% | 5,608 |
| Net charge-offs to loans | -0.0148% | 5,203 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7501% | 4,938 |
| Assets per employee ($millions) | 3.2538% | 5,220 |
| Cash dividends to net income (ytd only)* | 103.8874% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 3,426 |
| Loan loss allowance to noncurrent loans | 108.3333% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.4189% | 1,474 |
| Noncurrent loans to loans | 1.1161% | 2,106 |
| Net loans and leases to total assets | 73.4486% | 1,815 |
| Net loans and leases to deposits | 85.8186% | 2,154 |
| Net loans and leases to core deposits | 92.1618% | 2,203 |
| Total domestic deposits to total assets | 85.5859% | 2,827 |
| Equity capital to assets | 12.7520% | 1,489 |
| Core capital (leverage) ratio | 13.0570% | 1,133 |
| Tier 1 risk-based capital ratio | 17.5016% | 2,123 |
| Total risk-based capital ratio | 18.7399% | 2,077 |
| Memoranda: | ||
| Average total assets | $36,694,000 | 5,834 |
| Average earning assets | $35,486,800 | 5,775 |
| Average equity | $4,841,800 | 5,686 |
| Average total loans | $27,060,000 | 5,479 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3820% | 331 |
| Cost of funding earning assets | 0.3240% | 4,063 |
| Net interest margin | 5.0580% | 224 |
| Noninterest income to average assets | 0.1736% | 5,609 |
| Noninterest expense to average assets | 2.9505% | 2,672 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.1233% | 294 |
| Return on assets (ROA) | 2.1418% | 301 |
| Pretax return on assets | 2.1418% | 465 |
| Return on Equity (ROE) | 16.0855% | 580 |
| Retained earnings to average equity (ytd only) | -5.4080% | 6,034 |
| Net charge-offs to loans | -0.0151% | 5,108 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1514% | 5,103 |
| Assets per employee ($millions) | 3.1110% | 5,413 |
| Cash dividends to net income (ytd only)* | 133.6217% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 3,645 |
| Loan loss allowance to noncurrent loans | 143.4426% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.9000% | 2,622 |
| Noncurrent loans to loans | 0.8380% | 2,876 |
| Net loans and leases to total assets | 77.0545% | 1,244 |
| Net loans and leases to deposits | 89.3188% | 1,737 |
| Net loans and leases to core deposits | 94.6094% | 2,026 |
| Total domestic deposits to total assets | 86.2692% | 2,399 |
| Equity capital to assets | 12.9219% | 1,487 |
| Core capital (leverage) ratio | 13.1399% | 1,156 |
| Tier 1 risk-based capital ratio | 17.1520% | 2,315 |
| Total risk-based capital ratio | 18.4003% | 2,265 |
| Memoranda: | ||
| Average total assets | $36,106,250 | 5,927 |
| Average earning assets | $34,980,000 | 5,867 |
| Average equity | $4,807,500 | 5,775 |
| Average total loans | $26,567,750 | 5,564 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2829% | 367 |
| Cost of funding earning assets | 0.3295% | 4,057 |
| Net interest margin | 4.9535% | 275 |
| Noninterest income to average assets | 0.1961% | 5,508 |
| Noninterest expense to average assets | 2.9358% | 2,763 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.0618% | 329 |
| Return on assets (ROA) | 2.0898% | 325 |
| Pretax return on assets | 2.0898% | 500 |
| Return on Equity (ROE) | 15.5352% | 661 |
| Retained earnings to average equity (ytd only) | -13.1612% | 6,217 |
| Net charge-offs to loans | -0.0156% | 5,073 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7444% | 5,141 |
| Assets per employee ($millions) | 3.0148% | 5,582 |
| Cash dividends to net income (ytd only)* | 184.7185% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 3,295 |
| Loan loss allowance to noncurrent loans | 139.0438% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.7602% | 3,106 |
| Noncurrent loans to loans | 0.9281% | 2,810 |
| Net loans and leases to total assets | 73.7927% | 1,694 |
| Net loans and leases to deposits | 86.2915% | 2,023 |
| Net loans and leases to core deposits | 91.6223% | 2,189 |
| Total domestic deposits to total assets | 85.5157% | 2,914 |
| Equity capital to assets | 12.9613% | 1,424 |
| Core capital (leverage) ratio | 13.0206% | 1,156 |
| Tier 1 risk-based capital ratio | 17.8152% | 2,126 |
| Total risk-based capital ratio | 19.0654% | 2,079 |
| Memoranda: | ||
| Average total assets | $35,697,670 | 6,002 |
| Average earning assets | $34,602,000 | 5,942 |
| Average equity | $4,802,000 | 5,832 |
| Average total loans | $25,718,330 | 5,643 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3090% | 350 |
| Cost of funding earning assets | 0.3376% | 4,007 |
| Net interest margin | 4.9714% | 261 |
| Noninterest income to average assets | 0.2031% | 5,500 |
| Noninterest expense to average assets | 3.0571% | 2,407 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9629% | 359 |
| Return on assets (ROA) | 1.9629% | 381 |
| Pretax return on assets | 1.9629% | 625 |
| Return on Equity (ROE) | 14.3254% | 816 |
| Retained earnings to average equity (ytd only) | -29.8858% | 6,340 |
| Net charge-offs to loans | -0.0160% | 4,943 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8989% | 4,979 |
| Assets per employee ($millions) | 2.9467% | 5,738 |
| Cash dividends to net income (ytd only)* | 308.6207% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 3,165 |
| Loan loss allowance to noncurrent loans | 72.9560% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 1.4169% | 1,871 |
| Noncurrent loans to loans | 1.8443% | 1,458 |
| Net loans and leases to total assets | 72.1606% | 1,781 |
| Net loans and leases to deposits | 83.3284% | 2,164 |
| Net loans and leases to core deposits | 88.5357% | 2,268 |
| Total domestic deposits to total assets | 86.5979% | 2,606 |
| Equity capital to assets | 13.2183% | 1,295 |
| Core capital (leverage) ratio | 12.9428% | 1,173 |
| Tier 1 risk-based capital ratio | 18.3397% | 2,053 |
| Total risk-based capital ratio | 19.5885% | 2,008 |
| Memoranda: | ||
| Average total assets | $35,458,000 | 6,069 |
| Average earning assets | $34,356,500 | 6,007 |
| Average equity | $4,858,500 | 5,867 |
| Average total loans | $25,055,000 | 5,712 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0036% | 766 |
| Cost of funding earning assets | 0.3460% | 4,293 |
| Net interest margin | 4.6576% | 559 |
| Noninterest income to average assets | 0.2572% | 5,290 |
| Noninterest expense to average assets | 2.8296% | 3,381 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.9293% | 375 |
| Return on assets (ROA) | 1.9293% | 389 |
| Pretax return on assets | 1.9293% | 597 |
| Return on Equity (ROE) | 13.7374% | 986 |
| Retained earnings to average equity (ytd only) | 1.0176% | 5,314 |
| Net charge-offs to loans | 0.0826% | 3,319 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 35.5263% | 1,189 |
| Efficiency ratio | 59.4595% | 5,291 |
| Assets per employee ($millions) | 2.9630% | 5,747 |
| Cash dividends to net income (ytd only)* | 92.5926% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 2,792 |
| Loan loss allowance to noncurrent loans | 118.0272% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.8269% | 3,146 |
| Noncurrent loans to loans | 1.2126% | 2,424 |
| Net loans and leases to total assets | 67.2151% | 2,693 |
| Net loans and leases to deposits | 78.4783% | 2,913 |
| Net loans and leases to core deposits | 84.5833% | 2,837 |
| Total domestic deposits to total assets | 85.6480% | 3,009 |
| Equity capital to assets | 14.1833% | 903 |
| Core capital (leverage) ratio | 13.9662% | 819 |
| Tier 1 risk-based capital ratio | 21.3251% | 1,336 |
| Total risk-based capital ratio | 22.5775% | 1,314 |
| Memoranda: | ||
| Average total assets | $34,987,000 | 6,158 |
| Average earning assets | $33,815,600 | 6,100 |
| Average equity | $4,913,600 | 5,880 |
| Average total loans | $23,011,600 | 5,851 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8751% | 983 |
| Cost of funding earning assets | 0.3408% | 4,450 |
| Net interest margin | 4.5343% | 694 |
| Noninterest income to average assets | 0.2449% | 5,453 |
| Noninterest expense to average assets | 2.6823% | 3,885 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.9400% | 383 |
| Return on assets (ROA) | 1.9400% | 394 |
| Pretax return on assets | 1.9400% | 650 |
| Return on Equity (ROE) | 13.8485% | 1,017 |
| Retained earnings to average equity (ytd only) | -3.2231% | 6,157 |
| Net charge-offs to loans | -0.0118% | 5,464 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0298% | 5,440 |
| Assets per employee ($millions) | 2.9146% | 5,827 |
| Cash dividends to net income (ytd only)* | 123.2744% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5260% | 2,591 |
| Loan loss allowance to noncurrent loans | 96.8421% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 1.0865% | 2,789 |
| Noncurrent loans to loans | 1.5758% | 2,066 |
| Net loans and leases to total assets | 67.8971% | 2,554 |
| Net loans and leases to deposits | 79.1514% | 2,822 |
| Net loans and leases to core deposits | 85.4086% | 2,734 |
| Total domestic deposits to total assets | 85.7813% | 2,967 |
| Equity capital to assets | 13.9986% | 1,006 |
| Core capital (leverage) ratio | 13.6871% | 934 |
| Tier 1 risk-based capital ratio | 21.1142% | 1,431 |
| Total risk-based capital ratio | 22.3667% | 1,406 |
| Memoranda: | ||
| Average total assets | $34,844,750 | 6,234 |
| Average earning assets | $33,639,500 | 6,172 |
| Average equity | $4,881,250 | 5,944 |
| Average total loans | $22,703,000 | 5,927 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8447% | 998 |
| Cost of funding earning assets | 0.3452% | 4,477 |
| Net interest margin | 4.4995% | 706 |
| Noninterest income to average assets | 0.2701% | 5,274 |
| Noninterest expense to average assets | 2.5746% | 4,334 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.0402% | 308 |
| Return on assets (ROA) | 2.0402% | 328 |
| Pretax return on assets | 2.0402% | 509 |
| Return on Equity (ROE) | 14.5601% | 868 |
| Retained earnings to average equity (ytd only) | -8.4080% | 6,382 |
| Net charge-offs to loans | -0.0090% | 5,301 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7908% | 5,766 |
| Assets per employee ($millions) | 3.2035% | 5,421 |
| Cash dividends to net income (ytd only)* | 157.7465% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5628% | 2,612 |
| Loan loss allowance to noncurrent loans | 79.0948% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 1.3167% | 2,479 |
| Noncurrent loans to loans | 1.9758% | 1,712 |
| Net loans and leases to total assets | 65.6006% | 2,819 |
| Net loans and leases to deposits | 76.1279% | 3,038 |
| Net loans and leases to core deposits | 82.0625% | 2,965 |
| Total domestic deposits to total assets | 86.1716% | 2,955 |
| Equity capital to assets | 13.6638% | 1,099 |
| Core capital (leverage) ratio | 13.4366% | 993 |
| Tier 1 risk-based capital ratio | 20.8813% | 1,465 |
| Total risk-based capital ratio | 22.1340% | 1,446 |
| Memoranda: | ||
| Average total assets | $34,801,330 | 6,295 |
| Average earning assets | $33,603,670 | 6,233 |
| Average equity | $4,876,330 | 5,987 |
| Average total loans | $22,232,330 | 5,982 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8010% | 1,041 |
| Cost of funding earning assets | 0.3472% | 4,566 |
| Net interest margin | 4.4538% | 721 |
| Noninterest income to average assets | 0.3007% | 4,950 |
| Noninterest expense to average assets | 2.5562% | 4,423 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0473% | 308 |
| Return on assets (ROA) | 2.0473% | 322 |
| Pretax return on assets | 2.0473% | 479 |
| Return on Equity (ROE) | 14.4284% | 872 |
| Retained earnings to average equity (ytd only) | -19.4009% | 6,523 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5276% | 5,875 |
| Assets per employee ($millions) | 3.4674% | 4,995 |
| Cash dividends to net income (ytd only)* | 234.4633% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6516% | 2,506 |
| Loan loss allowance to noncurrent loans | 88.4058% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.1940% | 2,869 |
| Noncurrent loans to loans | 1.8682% | 2,039 |
| Net loans and leases to total assets | 62.8540% | 3,097 |
| Net loans and leases to deposits | 75.6132% | 2,856 |
| Net loans and leases to core deposits | 77.4843% | 3,252 |
| Total domestic deposits to total assets | 83.1257% | 4,564 |
| Equity capital to assets | 13.7827% | 995 |
| Core capital (leverage) ratio | 13.5256% | 966 |
| Tier 1 risk-based capital ratio | 22.1312% | 1,277 |
| Total risk-based capital ratio | 23.3884% | 1,251 |
| Memoranda: | ||
| Average total assets | $34,582,500 | 6,363 |
| Average earning assets | $33,410,000 | 6,300 |
| Average equity | $4,907,000 | 6,018 |
| Average total loans | $21,606,500 | 6,066 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6270% | 1,777 |
| Cost of funding earning assets | 0.4036% | 4,611 |
| Net interest margin | 4.2234% | 1,291 |
| Noninterest income to average assets | 0.2567% | 5,510 |
| Noninterest expense to average assets | 2.3988% | 5,073 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.9168% | 387 |
| Return on assets (ROA) | 1.9168% | 395 |
| Pretax return on assets | 1.9168% | 581 |
| Return on Equity (ROE) | 13.7305% | 1,010 |
| Retained earnings to average equity (ytd only) | 1.9615% | 4,838 |
| Net charge-offs to loans | 0.1786% | 3,038 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 18.1622% | 1,668 |
| Efficiency ratio | 55.5849% | 5,990 |
| Assets per employee ($millions) | 3.4491% | 4,995 |
| Cash dividends to net income (ytd only)* | 85.7143% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7385% | 2,275 |
| Loan loss allowance to noncurrent loans | 84.5266% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.2554% | 2,903 |
| Noncurrent loans to loans | 2.0567% | 1,925 |
| Net loans and leases to total assets | 59.9780% | 3,729 |
| Net loans and leases to deposits | 70.3951% | 3,730 |
| Net loans and leases to core deposits | 72.0977% | 4,054 |
| Total domestic deposits to total assets | 85.2019% | 3,638 |
| Equity capital to assets | 14.5980% | 761 |
| Core capital (leverage) ratio | 14.2499% | 755 |
| Tier 1 risk-based capital ratio | 24.0915% | 941 |
| Total risk-based capital ratio | 25.3500% | 930 |
| Memoranda: | ||
| Average total assets | $35,059,200 | 6,416 |
| Average earning assets | $33,693,400 | 6,355 |
| Average equity | $4,894,200 | 6,092 |
| Average total loans | $20,715,600 | 6,163 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5882% | 1,941 |
| Cost of funding earning assets | 0.4146% | 4,677 |
| Net interest margin | 4.1736% | 1,410 |
| Noninterest income to average assets | 0.2689% | 5,531 |
| Noninterest expense to average assets | 2.3180% | 5,284 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.9544% | 397 |
| Return on assets (ROA) | 1.9544% | 409 |
| Pretax return on assets | 1.9544% | 642 |
| Return on Equity (ROE) | 14.1589% | 962 |
| Retained earnings to average equity (ytd only) | -1.6464% | 6,221 |
| Net charge-offs to loans | 0.0582% | 4,074 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 57.3317% | 784 |
| Efficiency ratio | 54.2553% | 6,086 |
| Assets per employee ($millions) | 3.4666% | 4,909 |
| Cash dividends to net income (ytd only)* | 111.6282% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9491% | 1,854 |
| Loan loss allowance to noncurrent loans | 89.5455% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.7625% | 2,324 |
| Noncurrent loans to loans | 2.1767% | 2,034 |
| Net loans and leases to total assets | 57.1742% | 4,145 |
| Net loans and leases to deposits | 66.7026% | 4,217 |
| Net loans and leases to core deposits | 68.2977% | 4,502 |
| Total domestic deposits to total assets | 85.7151% | 3,397 |
| Equity capital to assets | 14.0743% | 948 |
| Core capital (leverage) ratio | 13.8177% | 917 |
| Tier 1 risk-based capital ratio | 23.9918% | 1,004 |
| Total risk-based capital ratio | 25.2508% | 988 |
| Memoranda: | ||
| Average total assets | $35,201,250 | 6,482 |
| Average earning assets | $33,766,750 | 6,426 |
| Average equity | $4,859,000 | 6,178 |
| Average total loans | $20,631,250 | 6,230 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6030% | 1,845 |
| Cost of funding earning assets | 0.4302% | 4,659 |
| Net interest margin | 4.1727% | 1,352 |
| Noninterest income to average assets | 0.2657% | 5,553 |
| Noninterest expense to average assets | 2.3403% | 5,241 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.9277% | 402 |
| Return on assets (ROA) | 1.9277% | 435 |
| Pretax return on assets | 1.9277% | 705 |
| Return on Equity (ROE) | 14.0551% | 1,001 |
| Retained earnings to average equity (ytd only) | -6.4711% | 6,542 |
| Net charge-offs to loans | -0.0193% | 5,962 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8344% | 6,071 |
| Assets per employee ($millions) | 3.8641% | 4,080 |
| Cash dividends to net income (ytd only)* | 146.0411% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9557% | 1,951 |
| Loan loss allowance to noncurrent loans | 55.3279% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 2.5994% | 1,613 |
| Noncurrent loans to loans | 3.5347% | 1,187 |
| Net loans and leases to total assets | 58.3834% | 3,927 |
| Net loans and leases to deposits | 67.8610% | 4,034 |
| Net loans and leases to core deposits | 69.4700% | 4,326 |
| Total domestic deposits to total assets | 86.0339% | 3,346 |
| Equity capital to assets | 13.7620% | 1,028 |
| Core capital (leverage) ratio | 13.3645% | 1,030 |
| Tier 1 risk-based capital ratio | 23.0928% | 1,121 |
| Total risk-based capital ratio | 24.3544% | 1,107 |
| Memoranda: | ||
| Average total assets | $35,379,670 | 6,521 |
| Average earning assets | $33,934,670 | 6,470 |
| Average equity | $4,852,330 | 6,227 |
| Average total loans | $20,770,330 | 6,263 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5532% | 1,979 |
| Cost of funding earning assets | 0.4565% | 4,522 |
| Net interest margin | 4.0967% | 1,473 |
| Noninterest income to average assets | 0.2130% | 5,958 |
| Noninterest expense to average assets | 2.4327% | 5,007 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7040% | 580 |
| Return on assets (ROA) | 1.7040% | 643 |
| Pretax return on assets | 1.7040% | 1,066 |
| Return on Equity (ROE) | 12.4450% | 1,310 |
| Retained earnings to average equity (ytd only) | -17.1937% | 6,794 |
| Net charge-offs to loans | -0.0192% | 5,690 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8076% | 5,744 |
| Assets per employee ($millions) | 3.5998% | 4,782 |
| Cash dividends to net income (ytd only)* | 238.1579% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9118% | 2,270 |
| Loan loss allowance to noncurrent loans | 98.0583% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.6751% | 2,775 |
| Noncurrent loans to loans | 1.9496% | 2,677 |
| Net loans and leases to total assets | 57.5810% | 3,831 |
| Net loans and leases to deposits | 66.5554% | 3,978 |
| Net loans and leases to core deposits | 68.0700% | 4,297 |
| Total domestic deposits to total assets | 86.5159% | 3,223 |
| Equity capital to assets | 13.2591% | 1,314 |
| Core capital (leverage) ratio | 13.1005% | 1,077 |
| Tier 1 risk-based capital ratio | 22.1760% | 1,298 |
| Total risk-based capital ratio | 23.4348% | 1,269 |
| Memoranda: | ||
| Average total assets | $35,681,000 | 6,576 |
| Average earning assets | $34,174,000 | 6,519 |
| Average equity | $4,885,500 | 6,283 |
| Average total loans | $20,801,000 | 6,321 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6177% | 2,927 |
| Cost of funding earning assets | 0.5813% | 4,522 |
| Net interest margin | 4.0364% | 2,252 |
| Noninterest income to average assets | 0.2002% | 5,984 |
| Noninterest expense to average assets | 2.3399% | 5,592 |
| Loan and lease loss provision to assets | 0.1001% | 4,391 |
| Net operating income to assets | 1.6133% | 742 |
| Return on assets (ROA) | 1.6133% | 819 |
| Pretax return on assets | 1.6133% | 1,348 |
| Return on Equity (ROE) | 11.5267% | 1,645 |
| Retained earnings to average equity (ytd only) | 1.8598% | 4,910 |
| Net charge-offs to loans | 0.4243% | 2,539 |
| Credit loss provision to net charge-offs | 41.6667% | 4,903 |
| Earnings coverage of net charge-offs (x) | 7.1310% | 2,671 |
| Efficiency ratio | 57.7276% | 5,872 |
| Assets per employee ($millions) | 3.5364% | 4,938 |
| Cash dividends to net income (ytd only)* | 83.8652% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9687% | 2,108 |
| Loan loss allowance to noncurrent loans | 66.0656% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 2.3018% | 2,135 |
| Noncurrent loans to loans | 2.9800% | 1,752 |
| Net loans and leases to total assets | 56.7441% | 4,151 |
| Net loans and leases to deposits | 66.2583% | 4,246 |
| Net loans and leases to core deposits | 67.8054% | 4,561 |
| Total domestic deposits to total assets | 85.6408% | 3,533 |
| Equity capital to assets | 14.1330% | 989 |
| Core capital (leverage) ratio | 13.9367% | 821 |
| Tier 1 risk-based capital ratio | 23.9693% | 978 |
| Total risk-based capital ratio | 25.2264% | 957 |
| Memoranda: | ||
| Average total assets | $34,959,400 | 6,633 |
| Average earning assets | $33,371,400 | 6,574 |
| Average equity | $4,893,000 | 6,327 |
| Average total loans | $19,796,600 | 6,437 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6232% | 3,121 |
| Cost of funding earning assets | 0.6129% | 4,512 |
| Net interest margin | 4.0102% | 2,461 |
| Noninterest income to average assets | 0.1836% | 6,205 |
| Noninterest expense to average assets | 2.2835% | 5,729 |
| Loan and lease loss provision to assets | 0.1339% | 3,871 |
| Net operating income to assets | 1.5950% | 854 |
| Return on assets (ROA) | 1.5950% | 954 |
| Pretax return on assets | 1.5950% | 1,589 |
| Return on Equity (ROE) | 11.4243% | 1,813 |
| Retained earnings to average equity (ytd only) | -1.5341% | 6,338 |
| Net charge-offs to loans | 0.0272% | 5,282 |
| Credit loss provision to net charge-offs | 875.0000% | 326 |
| Earnings coverage of net charge-offs (x) | 113.0675% | 380 |
| Efficiency ratio | 56.9113% | 5,931 |
| Assets per employee ($millions) | 3.5152% | 4,946 |
| Cash dividends to net income (ytd only)* | 113.4283% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4749% | 1,239 |
| Loan loss allowance to noncurrent loans | 72.1973% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 2.5717% | 2,051 |
| Noncurrent loans to loans | 3.4280% | 1,592 |
| Net loans and leases to total assets | 54.1449% | 4,730 |
| Net loans and leases to deposits | 63.0733% | 4,832 |
| Net loans and leases to core deposits | 64.5471% | 5,093 |
| Total domestic deposits to total assets | 85.8443% | 3,335 |
| Equity capital to assets | 13.9195% | 1,187 |
| Core capital (leverage) ratio | 13.3258% | 1,065 |
| Tier 1 risk-based capital ratio | 24.3190% | 979 |
| Total risk-based capital ratio | 25.5826% | 960 |
| Memoranda: | ||
| Average total assets | $34,858,250 | 6,722 |
| Average earning assets | $33,280,750 | 6,659 |
| Average equity | $4,866,750 | 6,406 |
| Average total loans | $19,628,250 | 6,529 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6921% | 2,948 |
| Cost of funding earning assets | 0.6393% | 4,537 |
| Net interest margin | 4.0528% | 2,283 |
| Noninterest income to average assets | 0.2014% | 6,117 |
| Noninterest expense to average assets | 2.3072% | 5,716 |
| Loan and lease loss provision to assets | 0.1151% | 4,089 |
| Net operating income to assets | 1.6456% | 763 |
| Return on assets (ROA) | 1.6456% | 852 |
| Pretax return on assets | 1.6456% | 1,412 |
| Return on Equity (ROE) | 11.7744% | 1,739 |
| Retained earnings to average equity (ytd only) | -5.3520% | 6,640 |
| Net charge-offs to loans | 0.0509% | 4,692 |
| Credit loss provision to net charge-offs | 400.0000% | 730 |
| Earnings coverage of net charge-offs (x) | 61.2000% | 621 |
| Efficiency ratio | 56.7185% | 6,038 |
| Assets per employee ($millions) | 3.5227% | 4,938 |
| Cash dividends to net income (ytd only)* | 145.4545% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4549% | 1,348 |
| Loan loss allowance to noncurrent loans | 71.0807% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 2.6996% | 2,044 |
| Noncurrent loans to loans | 3.4537% | 1,668 |
| Net loans and leases to total assets | 52.6755% | 5,014 |
| Net loans and leases to deposits | 61.1864% | 5,102 |
| Net loans and leases to core deposits | 62.6067% | 5,342 |
| Total domestic deposits to total assets | 86.0902% | 3,311 |
| Equity capital to assets | 13.6742% | 1,232 |
| Core capital (leverage) ratio | 13.1782% | 1,100 |
| Tier 1 risk-based capital ratio | 24.3110% | 979 |
| Total risk-based capital ratio | 25.5733% | 958 |
| Memoranda: | ||
| Average total assets | $34,760,330 | 6,771 |
| Average earning assets | $33,162,000 | 6,706 |
| Average equity | $4,858,000 | 6,430 |
| Average total loans | $19,665,670 | 6,578 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8020% | 2,628 |
| Cost of funding earning assets | 0.6808% | 4,453 |
| Net interest margin | 4.1212% | 2,023 |
| Noninterest income to average assets | 0.2549% | 5,818 |
| Noninterest expense to average assets | 2.2939% | 5,784 |
| Loan and lease loss provision to assets | 0.1159% | 3,904 |
| Net operating income to assets | 1.7725% | 631 |
| Return on assets (ROA) | 1.7725% | 710 |
| Pretax return on assets | 1.7725% | 1,142 |
| Return on Equity (ROE) | 12.5448% | 1,521 |
| Retained earnings to average equity (ytd only) | -12.0529% | 6,901 |
| Net charge-offs to loans | 0.1001% | 3,536 |
| Credit loss provision to net charge-offs | 200.0000% | 1,332 |
| Earnings coverage of net charge-offs (x) | 32.6000% | 863 |
| Efficiency ratio | 54.8476% | 6,249 |
| Assets per employee ($millions) | 3.4919% | 5,134 |
| Cash dividends to net income (ytd only)* | 196.0784% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3197% | 1,640 |
| Loan loss allowance to noncurrent loans | 52.0501% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 3.5568% | 1,608 |
| Noncurrent loans to loans | 4.4566% | 1,318 |
| Net loans and leases to total assets | 55.1104% | 4,534 |
| Net loans and leases to deposits | 64.1146% | 4,619 |
| Net loans and leases to core deposits | 65.6142% | 4,961 |
| Total domestic deposits to total assets | 85.9561% | 3,553 |
| Equity capital to assets | 13.7490% | 1,117 |
| Core capital (leverage) ratio | 13.4073% | 977 |
| Tier 1 risk-based capital ratio | 23.1605% | 1,112 |
| Total risk-based capital ratio | 24.4229% | 1,090 |
| Memoranda: | ||
| Average total assets | $34,527,000 | 6,832 |
| Average earning assets | $32,903,000 | 6,767 |
| Average equity | $4,878,500 | 6,459 |
| Average total loans | $19,987,000 | 6,611 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0307% | 2,753 |
| Cost of funding earning assets | 0.8952% | 4,159 |
| Net interest margin | 4.1355% | 2,283 |
| Noninterest income to average assets | 0.2383% | 5,831 |
| Noninterest expense to average assets | 2.2990% | 6,039 |
| Loan and lease loss provision to assets | 0.3488% | 2,908 |
| Net operating income to assets | 1.5113% | 804 |
| Return on assets (ROA) | 1.5113% | 872 |
| Pretax return on assets | 1.5113% | 1,436 |
| Return on Equity (ROE) | 10.9395% | 1,714 |
| Retained earnings to average equity (ytd only) | 2.1879% | 4,654 |
| Net charge-offs to loans | 0.6750% | 2,470 |
| Credit loss provision to net charge-offs | 85.1064% | 4,235 |
| Earnings coverage of net charge-offs (x) | 4.5390% | 3,075 |
| Efficiency ratio | 55.2760% | 6,391 |
| Assets per employee ($millions) | 3.7928% | 4,331 |
| Cash dividends to net income (ytd only)* | 80.0000% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2296% | 1,745 |
| Loan loss allowance to noncurrent loans | 58.8542% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 2.9266% | 2,058 |
| Noncurrent loans to loans | 3.7883% | 1,658 |
| Net loans and leases to total assets | 58.0665% | 4,356 |
| Net loans and leases to deposits | 68.1579% | 4,421 |
| Net loans and leases to core deposits | 69.7996% | 4,802 |
| Total domestic deposits to total assets | 85.1941% | 3,743 |
| Equity capital to assets | 14.5188% | 891 |
| Core capital (leverage) ratio | 14.0351% | 817 |
| Tier 1 risk-based capital ratio | 23.7933% | 983 |
| Total risk-based capital ratio | 25.0551% | 968 |
| Memoranda: | ||
| Average total assets | $34,406,400 | 6,847 |
| Average earning assets | $32,620,000 | 6,790 |
| Average equity | $4,753,400 | 6,520 |
| Average total loans | $20,890,000 | 6,617 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0709% | 2,751 |
| Cost of funding earning assets | 0.9480% | 4,063 |
| Net interest margin | 4.1229% | 2,385 |
| Noninterest income to average assets | 0.2437% | 5,877 |
| Noninterest expense to average assets | 2.2470% | 6,174 |
| Loan and lease loss provision to assets | 0.3481% | 2,792 |
| Net operating income to assets | 1.5509% | 846 |
| Return on assets (ROA) | 1.5509% | 920 |
| Pretax return on assets | 1.5509% | 1,513 |
| Return on Equity (ROE) | 11.3689% | 1,738 |
| Retained earnings to average equity (ytd only) | -0.4253% | 6,053 |
| Net charge-offs to loans | 0.1584% | 4,511 |
| Credit loss provision to net charge-offs | 360.0000% | 791 |
| Earnings coverage of net charge-offs (x) | 19.6415% | 1,251 |
| Efficiency ratio | 54.1978% | 6,469 |
| Assets per employee ($millions) | 4.2336% | 3,391 |
| Cash dividends to net income (ytd only)* | 103.7408% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6646% | 1,173 |
| Loan loss allowance to noncurrent loans | 60.1117% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 3.5135% | 1,794 |
| Noncurrent loans to loans | 4.4327% | 1,458 |
| Net loans and leases to total assets | 58.0265% | 4,512 |
| Net loans and leases to deposits | 67.9541% | 4,618 |
| Net loans and leases to core deposits | 70.2771% | 4,917 |
| Total domestic deposits to total assets | 85.3908% | 3,563 |
| Equity capital to assets | 14.3022% | 1,055 |
| Core capital (leverage) ratio | 13.4585% | 1,059 |
| Tier 1 risk-based capital ratio | 23.1971% | 1,123 |
| Total risk-based capital ratio | 24.4641% | 1,102 |
| Memoranda: | ||
| Average total assets | $34,474,250 | 6,908 |
| Average earning assets | $32,630,000 | 6,850 |
| Average equity | $4,702,750 | 6,584 |
| Average total loans | $21,044,250 | 6,676 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1265% | 2,559 |
| Cost of funding earning assets | 1.0009% | 3,942 |
| Net interest margin | 4.1256% | 2,314 |
| Noninterest income to average assets | 0.2595% | 5,793 |
| Noninterest expense to average assets | 2.3474% | 6,004 |
| Loan and lease loss provision to assets | 0.3172% | 2,887 |
| Net operating income to assets | 1.4938% | 900 |
| Return on assets (ROA) | 1.4938% | 960 |
| Pretax return on assets | 1.4938% | 1,550 |
| Return on Equity (ROE) | 11.1262% | 1,756 |
| Retained earnings to average equity (ytd only) | -4.0381% | 6,474 |
| Net charge-offs to loans | 0.2626% | 3,579 |
| Credit loss provision to net charge-offs | 196.4286% | 1,541 |
| Earnings coverage of net charge-offs (x) | 11.2143% | 1,735 |
| Efficiency ratio | 56.4494% | 6,375 |
| Assets per employee ($millions) | 4.9119% | 2,242 |
| Cash dividends to net income (ytd only)* | 136.2934% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3911% | 1,607 |
| Loan loss allowance to noncurrent loans | 111.3586% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 2.9811% | 2,248 |
| Noncurrent loans to loans | 2.1472% | 3,291 |
| Net loans and leases to total assets | 59.3636% | 4,404 |
| Net loans and leases to deposits | 69.0541% | 4,559 |
| Net loans and leases to core deposits | 70.6826% | 4,991 |
| Total domestic deposits to total assets | 85.9669% | 3,346 |
| Equity capital to assets | 13.7161% | 1,200 |
| Core capital (leverage) ratio | 13.2855% | 1,067 |
| Tier 1 risk-based capital ratio | 22.0672% | 1,246 |
| Total risk-based capital ratio | 23.3319% | 1,214 |
| Memoranda: | ||
| Average total assets | $34,676,000 | 6,970 |
| Average earning assets | $32,770,670 | 6,913 |
| Average equity | $4,655,670 | 6,637 |
| Average total loans | $21,328,670 | 6,731 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2822% | 1,925 |
| Cost of funding earning assets | 1.0540% | 3,828 |
| Net interest margin | 4.2282% | 1,810 |
| Noninterest income to average assets | 0.4939% | 3,938 |
| Noninterest expense to average assets | 2.4122% | 5,850 |
| Loan and lease loss provision to assets | 0.3446% | 2,498 |
| Net operating income to assets | 1.7460% | 541 |
| Return on assets (ROA) | 1.7460% | 568 |
| Pretax return on assets | 1.7460% | 904 |
| Return on Equity (ROE) | 13.1445% | 1,159 |
| Retained earnings to average equity (ytd only) | -8.4748% | 6,778 |
| Net charge-offs to loans | 0.2786% | 2,952 |
| Credit loss provision to net charge-offs | 200.0000% | 1,479 |
| Earnings coverage of net charge-offs (x) | 12.1333% | 1,511 |
| Efficiency ratio | 53.5714% | 6,732 |
| Assets per employee ($millions) | 4.3150% | 3,212 |
| Cash dividends to net income (ytd only)* | 164.4737% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3301% | 1,719 |
| Loan loss allowance to noncurrent loans | 73.1634% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 3.7051% | 1,827 |
| Noncurrent loans to loans | 3.1848% | 2,355 |
| Net loans and leases to total assets | 59.2555% | 4,413 |
| Net loans and leases to deposits | 68.6248% | 4,590 |
| Net loans and leases to core deposits | 70.2269% | 5,019 |
| Total domestic deposits to total assets | 86.3470% | 3,311 |
| Equity capital to assets | 13.2793% | 1,269 |
| Core capital (leverage) ratio | 12.9177% | 1,147 |
| Tier 1 risk-based capital ratio | 21.9892% | 1,229 |
| Total risk-based capital ratio | 23.2505% | 1,199 |
| Memoranda: | ||
| Average total assets | $34,822,500 | 7,016 |
| Average earning assets | $33,016,500 | 6,956 |
| Average equity | $4,625,500 | 6,678 |
| Average total loans | $21,537,500 | 6,771 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5965% | 1,902 |
| Cost of funding earning assets | 1.3929% | 3,317 |
| Net interest margin | 4.2036% | 2,169 |
| Noninterest income to average assets | 0.2184% | 6,241 |
| Noninterest expense to average assets | 2.4054% | 6,081 |
| Loan and lease loss provision to assets | 0.3542% | 4,003 |
| Net operating income to assets | 1.4492% | 855 |
| Return on assets (ROA) | 1.4492% | 924 |
| Pretax return on assets | 1.4492% | 1,512 |
| Return on Equity (ROE) | 10.5198% | 1,754 |
| Retained earnings to average equity (ytd only) | 1.1355% | 4,975 |
| Net charge-offs to loans | 0.7796% | 2,689 |
| Credit loss provision to net charge-offs | 70.5882% | 5,848 |
| Earnings coverage of net charge-offs (x) | 3.5941% | 3,291 |
| Efficiency ratio | 57.1529% | 6,441 |
| Assets per employee ($millions) | 4.3906% | 3,048 |
| Cash dividends to net income (ytd only)* | 89.2057% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1372% | 1,985 |
| Loan loss allowance to noncurrent loans | 62.8989% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 2.8327% | 2,475 |
| Noncurrent loans to loans | 3.3978% | 2,238 |
| Net loans and leases to total assets | 61.6626% | 4,358 |
| Net loans and leases to deposits | 71.4088% | 4,623 |
| Net loans and leases to core deposits | 72.1221% | 5,194 |
| Total domestic deposits to total assets | 86.3516% | 3,168 |
| Equity capital to assets | 13.2868% | 1,262 |
| Core capital (leverage) ratio | 13.2903% | 1,032 |
| Tier 1 risk-based capital ratio | 21.8925% | 1,193 |
| Total risk-based capital ratio | 23.1548% | 1,164 |
| Memoranda: | ||
| Average total assets | $33,881,400 | 7,082 |
| Average earning assets | $32,163,200 | 7,012 |
| Average equity | $4,667,400 | 6,768 |
| Average total loans | $21,806,400 | 6,835 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7156% | 1,664 |
| Cost of funding earning assets | 1.4561% | 3,238 |
| Net interest margin | 4.2595% | 1,998 |
| Noninterest income to average assets | 0.2304% | 6,248 |
| Noninterest expense to average assets | 2.4068% | 6,011 |
| Loan and lease loss provision to assets | 0.3575% | 3,757 |
| Net operating income to assets | 1.5092% | 908 |
| Return on assets (ROA) | 1.5092% | 989 |
| Pretax return on assets | 1.5092% | 1,590 |
| Return on Equity (ROE) | 10.8548% | 1,836 |
| Retained earnings to average equity (ytd only) | -1.6568% | 6,127 |
| Net charge-offs to loans | 0.3805% | 3,774 |
| Credit loss provision to net charge-offs | 145.1613% | 2,706 |
| Earnings coverage of net charge-offs (x) | 7.5811% | 2,306 |
| Efficiency ratio | 56.3197% | 6,511 |
| Assets per employee ($millions) | 3.7990% | 4,272 |
| Cash dividends to net income (ytd only)* | 115.2650% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5609% | 1,256 |
| Loan loss allowance to noncurrent loans | 77.8249% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 2.2696% | 3,120 |
| Noncurrent loans to loans | 3.2906% | 2,405 |
| Net loans and leases to total assets | 61.3173% | 4,663 |
| Net loans and leases to deposits | 71.2247% | 4,965 |
| Net loans and leases to core deposits | 71.9581% | 5,518 |
| Total domestic deposits to total assets | 86.0899% | 3,027 |
| Equity capital to assets | 13.5299% | 1,336 |
| Core capital (leverage) ratio | 13.2498% | 1,133 |
| Tier 1 risk-based capital ratio | 22.8760% | 1,089 |
| Total risk-based capital ratio | 24.1466% | 1,056 |
| Memoranda: | ||
| Average total assets | $33,570,500 | 7,181 |
| Average earning assets | $31,865,250 | 7,106 |
| Average equity | $4,667,500 | 6,849 |
| Average total loans | $21,725,000 | 6,927 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8444% | 1,313 |
| Cost of funding earning assets | 1.5150% | 3,172 |
| Net interest margin | 4.3294% | 1,675 |
| Noninterest income to average assets | 0.2278% | 6,286 |
| Noninterest expense to average assets | 2.3978% | 6,073 |
| Loan and lease loss provision to assets | 0.3597% | 3,550 |
| Net operating income to assets | 1.5646% | 792 |
| Return on assets (ROA) | 1.5646% | 846 |
| Pretax return on assets | 1.5646% | 1,395 |
| Return on Equity (ROE) | 11.1507% | 1,701 |
| Retained earnings to average equity (ytd only) | 4.1868% | 3,404 |
| Net charge-offs to loans | 0.2845% | 3,914 |
| Credit loss provision to net charge-offs | 193.5484% | 2,035 |
| Earnings coverage of net charge-offs (x) | 10.3548% | 1,900 |
| Efficiency ratio | 55.4785% | 6,706 |
| Assets per employee ($millions) | 3.7130% | 4,431 |
| Cash dividends to net income (ytd only)* | 62.4521% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5356% | 1,260 |
| Loan loss allowance to noncurrent loans | 101.8450% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 1.8284% | 3,724 |
| Noncurrent loans to loans | 2.4897% | 3,163 |
| Net loans and leases to total assets | 63.4946% | 4,352 |
| Net loans and leases to deposits | 74.3213% | 4,629 |
| Net loans and leases to core deposits | 75.1106% | 5,311 |
| Total domestic deposits to total assets | 85.4326% | 3,401 |
| Equity capital to assets | 14.1844% | 1,109 |
| Core capital (leverage) ratio | 13.9018% | 948 |
| Tier 1 risk-based capital ratio | 22.0530% | 1,193 |
| Total risk-based capital ratio | 23.3174% | 1,167 |
| Memoranda: | ||
| Average total assets | $33,363,670 | 7,241 |
| Average earning assets | $31,551,670 | 7,172 |
| Average equity | $4,681,330 | 6,882 |
| Average total loans | $21,794,670 | 6,979 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8193% | 1,403 |
| Cost of funding earning assets | 1.5468% | 3,285 |
| Net interest margin | 4.2726% | 1,775 |
| Noninterest income to average assets | 0.2040% | 6,507 |
| Noninterest expense to average assets | 2.1478% | 6,813 |
| Loan and lease loss provision to assets | 0.4799% | 2,582 |
| Net operating income to assets | 1.6198% | 718 |
| Return on assets (ROA) | 1.6198% | 766 |
| Pretax return on assets | 1.6198% | 1,219 |
| Return on Equity (ROE) | 11.6079% | 1,608 |
| Retained earnings to average equity (ytd only) | 6.6208% | 2,311 |
| Net charge-offs to loans | 0.3852% | 2,889 |
| Credit loss provision to net charge-offs | 190.4762% | 1,933 |
| Earnings coverage of net charge-offs (x) | 8.3333% | 1,972 |
| Efficiency ratio | 50.5650% | 7,275 |
| Assets per employee ($millions) | 4.2011% | 3,460 |
| Cash dividends to net income (ytd only)* | 42.9630% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5124% | 1,277 |
| Loan loss allowance to noncurrent loans | 113.1524% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 1.6305% | 4,042 |
| Noncurrent loans to loans | 2.2204% | 3,497 |
| Net loans and leases to total assets | 62.5755% | 4,640 |
| Net loans and leases to deposits | 73.0801% | 4,892 |
| Net loans and leases to core deposits | 73.8500% | 5,514 |
| Total domestic deposits to total assets | 85.6259% | 3,352 |
| Equity capital to assets | 13.9457% | 1,159 |
| Core capital (leverage) ratio | 14.0131% | 959 |
| Tier 1 risk-based capital ratio | 21.9926% | 1,203 |
| Total risk-based capital ratio | 23.2591% | 1,184 |
| Memoranda: | ||
| Average total assets | $33,337,000 | 7,332 |
| Average earning assets | $31,550,000 | 7,266 |
| Average equity | $4,652,000 | 6,960 |
| Average total loans | $21,807,000 | 7,060 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5870% | 567 |
| Cost of funding earning assets | 1.8083% | 3,945 |
| Net interest margin | 4.7787% | 722 |
| Noninterest income to average assets | 0.0436% | 7,525 |
| Noninterest expense to average assets | 2.7184% | 5,305 |
| Loan and lease loss provision to assets | 0.3928% | 4,439 |
| Net operating income to assets | 1.4059% | 842 |
| Return on assets (ROA) | 1.4059% | 899 |
| Pretax return on assets | 1.4059% | 1,422 |
| Return on Equity (ROE) | 10.1280% | 1,654 |
| Retained earnings to average equity (ytd only) | 6.1981% | 1,272 |
| Net charge-offs to loans | 0.0443% | 6,662 |
| Credit loss provision to net charge-offs | 1,260.0000% | 245 |
| Earnings coverage of net charge-offs (x) | 57.7000% | 461 |
| Efficiency ratio | 60.1794% | 6,468 |
| Assets per employee ($millions) | 4.7236% | 2,583 |
| Cash dividends to net income (ytd only)* | 38.8027% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3729% | 1,383 |
| Loan loss allowance to noncurrent loans | 146.9101% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 1.9265% | 3,491 |
| Noncurrent loans to loans | 1.6152% | 4,230 |
| Net loans and leases to total assets | 65.0779% | 4,359 |
| Net loans and leases to deposits | 76.0622% | 4,736 |
| Net loans and leases to core deposits | 92.0635% | 4,878 |
| Total domestic deposits to total assets | 85.5587% | 3,251 |
| Equity capital to assets | 13.9634% | 1,181 |
| Core capital (leverage) ratio | 14.0912% | 963 |
| Tier 1 risk-based capital ratio | 21.3040% | 1,249 |
| Total risk-based capital ratio | 22.5700% | 1,217 |
| Memoranda: | ||
| Average total assets | $32,078,200 | 7,398 |
| Average earning assets | $30,029,000 | 7,354 |
| Average equity | $4,453,000 | 7,129 |
| Average total loans | $22,573,200 | 7,054 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7034% | 507 |
| Cost of funding earning assets | 1.8558% | 4,120 |
| Net interest margin | 4.8476% | 628 |
| Noninterest income to average assets | -0.0293% | 7,879 |
| Noninterest expense to average assets | 2.7938% | 4,921 |
| Loan and lease loss provision to assets | 0.3770% | 4,066 |
| Net operating income to assets | 1.3404% | 1,142 |
| Return on assets (ROA) | 1.3404% | 1,202 |
| Pretax return on assets | 1.3404% | 1,846 |
| Return on Equity (ROE) | 9.6704% | 2,042 |
| Retained earnings to average equity (ytd only) | 4.3819% | 2,825 |
| Net charge-offs to loans | 0.0235% | 6,559 |
| Credit loss provision to net charge-offs | 2,250.0000% | 174 |
| Earnings coverage of net charge-offs (x) | 102.5610% | 354 |
| Efficiency ratio | 61.9313% | 6,121 |
| Assets per employee ($millions) | 3.6174% | 4,639 |
| Cash dividends to net income (ytd only)* | 54.6876% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2987% | 1,299 |
| Loan loss allowance to noncurrent loans | 160.5863% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 1.8583% | 3,572 |
| Noncurrent loans to loans | 1.4314% | 4,525 |
| Net loans and leases to total assets | 64.3610% | 4,787 |
| Net loans and leases to deposits | 75.1443% | 5,189 |
| Net loans and leases to core deposits | 89.9043% | 5,443 |
| Total domestic deposits to total assets | 85.6498% | 2,888 |
| Equity capital to assets | 13.8158% | 1,370 |
| Core capital (leverage) ratio | 13.7323% | 1,160 |
| Tier 1 risk-based capital ratio | 21.4505% | 1,296 |
| Total risk-based capital ratio | 22.7146% | 1,268 |
| Memoranda: | ||
| Average total assets | $31,831,500 | 7,468 |
| Average earning assets | $29,815,000 | 7,424 |
| Average equity | $4,412,000 | 7,210 |
| Average total loans | $22,706,250 | 7,110 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8856% | 391 |
| Cost of funding earning assets | 1.9372% | 4,077 |
| Net interest margin | 4.9484% | 486 |
| Noninterest income to average assets | 0.0633% | 7,671 |
| Noninterest expense to average assets | 2.9313% | 4,375 |
| Loan and lease loss provision to assets | 0.5698% | 2,733 |
| Net operating income to assets | 1.1713% | 1,559 |
| Return on assets (ROA) | 1.1713% | 1,638 |
| Pretax return on assets | 1.1713% | 2,387 |
| Return on Equity (ROE) | 8.4411% | 2,595 |
| Retained earnings to average equity (ytd only) | 3.1939% | 3,535 |
| Net charge-offs to loans | -0.1211% | 7,976 |
| Credit loss provision to net charge-offs | -642.8571% | 7,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7371% | 6,133 |
| Assets per employee ($millions) | 3.6010% | 4,569 |
| Cash dividends to net income (ytd only)* | 62.1622% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2579% | 1,156 |
| Loan loss allowance to noncurrent loans | 82.2866% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 3.3509% | 1,862 |
| Noncurrent loans to loans | 2.7439% | 2,625 |
| Net loans and leases to total assets | 68.2557% | 4,116 |
| Net loans and leases to deposits | 79.5462% | 4,615 |
| Net loans and leases to core deposits | 94.6880% | 5,040 |
| Total domestic deposits to total assets | 85.8064% | 2,879 |
| Equity capital to assets | 13.6289% | 1,446 |
| Core capital (leverage) ratio | 13.8274% | 1,184 |
| Tier 1 risk-based capital ratio | 20.1654% | 1,547 |
| Total risk-based capital ratio | 21.4292% | 1,504 |
| Memoranda: | ||
| Average total assets | $31,589,670 | 7,547 |
| Average earning assets | $29,423,670 | 7,506 |
| Average equity | $4,383,330 | 7,282 |
| Average total loans | $23,126,000 | 7,141 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9999% | 338 |
| Cost of funding earning assets | 2.0986% | 3,657 |
| Net interest margin | 4.9013% | 500 |
| Noninterest income to average assets | 0.3464% | 5,678 |
| Noninterest expense to average assets | 3.0276% | 3,644 |
| Loan and lease loss provision to assets | 1.1546% | 1,132 |
| Net operating income to assets | 0.7184% | 3,468 |
| Return on assets (ROA) | 0.7184% | 3,665 |
| Pretax return on assets | 0.7184% | 4,365 |
| Return on Equity (ROE) | 5.1300% | 4,416 |
| Retained earnings to average equity (ytd only) | 0.9161% | 5,286 |
| Net charge-offs to loans | -0.1540% | 7,977 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7801% | 6,099 |
| Assets per employee ($millions) | 2.8222% | 6,591 |
| Cash dividends to net income (ytd only)* | 82.1429% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1779% | 1,105 |
| Loan loss allowance to noncurrent loans | 109.7614% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 3.4338% | 1,574 |
| Noncurrent loans to loans | 1.9842% | 3,282 |
| Net loans and leases to total assets | 73.2090% | 2,958 |
| Net loans and leases to deposits | 85.7946% | 3,669 |
| Net loans and leases to core deposits | 101.7961% | 4,370 |
| Total domestic deposits to total assets | 85.3305% | 3,043 |
| Equity capital to assets | 14.0671% | 1,347 |
| Core capital (leverage) ratio | 13.8422% | 1,222 |
| Tier 1 risk-based capital ratio | 19.6943% | 1,677 |
| Total risk-based capital ratio | 20.9590% | 1,626 |
| Memoranda: | ||
| Average total assets | $31,180,000 | 7,598 |
| Average earning assets | $28,972,000 | 7,570 |
| Average equity | $4,366,500 | 7,331 |
| Average total loans | $23,373,000 | 7,165 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5695% | 360 |
| Cost of funding earning assets | 2.5797% | 3,796 |
| Net interest margin | 4.9898% | 521 |
| Noninterest income to average assets | 0.1997% | 7,022 |
| Noninterest expense to average assets | 2.8723% | 4,534 |
| Loan and lease loss provision to assets | 0.9585% | 1,538 |
| Net operating income to assets | 0.9800% | 2,635 |
| Return on assets (ROA) | 0.9800% | 2,519 |
| Pretax return on assets | 0.9800% | 3,450 |
| Return on Equity (ROE) | 7.4985% | 3,286 |
| Retained earnings to average equity (ytd only) | -2.3506% | 5,966 |
| Net charge-offs to loans | 1.0058% | 1,232 |
| Credit loss provision to net charge-offs | 120.0000% | 4,475 |
| Earnings coverage of net charge-offs (x) | 2.4269% | 4,864 |
| Efficiency ratio | 59.7063% | 6,403 |
| Assets per employee ($millions) | 2.8469% | 6,457 |
| Cash dividends to net income (ytd only)* | 131.3480% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7310% | 1,822 |
| Loan loss allowance to noncurrent loans | 92.7107% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 3.3944% | 1,319 |
| Noncurrent loans to loans | 1.8671% | 2,957 |
| Net loans and leases to total assets | 73.7834% | 3,156 |
| Net loans and leases to deposits | 86.3163% | 4,071 |
| Net loans and leases to core deposits | 101.6542% | 4,653 |
| Total domestic deposits to total assets | 85.4803% | 2,635 |
| Equity capital to assets | 13.9418% | 1,444 |
| Core capital (leverage) ratio | 13.8741% | 1,285 |
| Tier 1 risk-based capital ratio | 19.4734% | 1,707 |
| Total risk-based capital ratio | 20.7313% | 1,667 |
| Memoranda: | ||
| Average total assets | $32,552,400 | 7,533 |
| Average earning assets | $30,081,200 | 7,506 |
| Average equity | $4,254,200 | 7,413 |
| Average total loans | $25,850,600 | 6,978 |