Home > Rochester State Bank > Performance and Condition Ratios
Rochester State Bank, Performance and Condition Ratios
| 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 | 2.2591% | 4,739 |
| Cost of funding earning assets | 0.2239% | 3,523 |
| Net interest margin | 2.0351% | 4,694 |
| Noninterest income to average assets | 0.1847% | 4,277 |
| Noninterest expense to average assets | 1.6311% | 4,469 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5333% | 4,158 |
| Return on assets (ROA) | 0.5611% | 4,121 |
| Pretax return on assets | 0.5611% | 4,294 |
| Return on Equity (ROE) | 4.9356% | 4,134 |
| Retained earnings to average equity (ytd only) | 4.9356% | 3,208 |
| 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 | 75.3623% | 1,139 |
| Assets per employee ($millions) | 10.4352% | 536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 2,153 |
| Loan loss allowance to noncurrent loans | 103.2847% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 2,740 |
| Noncurrent loans to loans | 1.3171% | 893 |
| Net loans and leases to total assets | 17.8766% | 4,850 |
| Net loans and leases to deposits | 20.1307% | 4,855 |
| Net loans and leases to core deposits | 20.1307% | 4,856 |
| Total domestic deposits to total assets | 88.8027% | 1,385 |
| Equity capital to assets | 11.1154% | 1,902 |
| Core capital (leverage) ratio | 9.0067% | 3,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,766,667 | 3,919 |
| Average earning assets | $111,638,667 | 3,842 |
| Average equity | $13,048,000 | 3,889 |
| Average total loans | $21,094,333 | 4,644 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2747% | 4,767 |
| Cost of funding earning assets | 0.2185% | 3,737 |
| Net interest margin | 2.0562% | 4,700 |
| Noninterest income to average assets | 0.1150% | 4,609 |
| Noninterest expense to average assets | 1.6208% | 4,505 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4950% | 4,184 |
| Return on assets (ROA) | 0.4950% | 4,225 |
| Pretax return on assets | 0.4950% | 4,358 |
| Return on Equity (ROE) | 4.3055% | 4,225 |
| Retained earnings to average equity (ytd only) | 4.3055% | 3,416 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6063% | 1,075 |
| Assets per employee ($millions) | 10.6296% | 494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3183% | 2,355 |
| Loan loss allowance to noncurrent loans | 102.9091% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.2352% | 2,965 |
| Noncurrent loans to loans | 1.2810% | 1,014 |
| Net loans and leases to total assets | 18.1174% | 4,875 |
| Net loans and leases to deposits | 20.3005% | 4,883 |
| Net loans and leases to core deposits | 20.3005% | 4,884 |
| Total domestic deposits to total assets | 89.2462% | 1,205 |
| Equity capital to assets | 10.6845% | 2,100 |
| Core capital (leverage) ratio | 8.8007% | 3,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,756,500 | 3,919 |
| Average earning assets | $111,664,000 | 3,849 |
| Average equity | $13,192,500 | 3,883 |
| Average total loans | $21,240,000 | 4,667 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5705% | 4,832 |
| Cost of funding earning assets | 0.1558% | 4,710 |
| Net interest margin | 2.4146% | 4,647 |
| Noninterest income to average assets | 0.1455% | 4,568 |
| Noninterest expense to average assets | 1.9197% | 4,288 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5697% | 3,845 |
| Return on assets (ROA) | 0.7650% | 3,343 |
| Pretax return on assets | 0.7650% | 3,717 |
| Return on Equity (ROE) | 6.3984% | 3,448 |
| Retained earnings to average equity (ytd only) | 2.0821% | 3,791 |
| Net charge-offs to loans | -0.0142% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1154% | 1,108 |
| Assets per employee ($millions) | 9.3823% | 652 |
| Cash dividends to net income (ytd only)* | 67.4593% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 2,203 |
| Loan loss allowance to noncurrent loans | 102.5362% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 3,061 |
| Noncurrent loans to loans | 1.3135% | 1,038 |
| Net loans and leases to total assets | 18.4124% | 4,896 |
| Net loans and leases to deposits | 21.0182% | 4,899 |
| Net loans and leases to core deposits | 21.0182% | 4,903 |
| Total domestic deposits to total assets | 87.6025% | 1,659 |
| Equity capital to assets | 12.3389% | 1,400 |
| Core capital (leverage) ratio | 9.1654% | 3,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,443,200 | 3,940 |
| Average earning assets | $101,381,400 | 3,878 |
| Average equity | $12,487,400 | 3,922 |
| Average total loans | $21,077,600 | 4,689 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6357% | 4,874 |
| Cost of funding earning assets | 0.1570% | 4,786 |
| Net interest margin | 2.4787% | 4,672 |
| Noninterest income to average assets | 0.1549% | 4,518 |
| Noninterest expense to average assets | 1.9985% | 4,146 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5611% | 3,874 |
| Return on assets (ROA) | 0.8111% | 3,170 |
| Pretax return on assets | 0.8111% | 3,617 |
| Return on Equity (ROE) | 6.8443% | 3,258 |
| Retained earnings to average equity (ytd only) | 4.7899% | 2,658 |
| Net charge-offs to loans | -0.0190% | 4,399 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0773% | 1,027 |
| Assets per employee ($millions) | 9.0663% | 680 |
| Cash dividends to net income (ytd only)* | 30.0161% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 2,172 |
| Loan loss allowance to noncurrent loans | 113.2000% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.2298% | 3,300 |
| Noncurrent loans to loans | 1.1452% | 1,323 |
| Net loans and leases to total assets | 19.8051% | 4,928 |
| Net loans and leases to deposits | 22.8049% | 4,936 |
| Net loans and leases to core deposits | 22.8049% | 4,939 |
| Total domestic deposits to total assets | 86.8459% | 1,724 |
| Equity capital to assets | 13.0181% | 1,176 |
| Core capital (leverage) ratio | 9.5670% | 3,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,407,250 | 3,960 |
| Average earning assets | $99,349,500 | 3,902 |
| Average equity | $12,136,250 | 3,964 |
| Average total loans | $21,093,750 | 4,723 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7474% | 4,923 |
| Cost of funding earning assets | 0.1564% | 4,866 |
| Net interest margin | 2.5910% | 4,662 |
| Noninterest income to average assets | 0.1276% | 4,664 |
| Noninterest expense to average assets | 2.0403% | 4,152 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5983% | 3,745 |
| Return on assets (ROA) | 0.9514% | 2,620 |
| Pretax return on assets | 0.9514% | 3,174 |
| Return on Equity (ROE) | 8.3241% | 2,623 |
| Retained earnings to average equity (ytd only) | 5.0608% | 2,450 |
| Net charge-offs to loans | -0.0288% | 4,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3243% | 1,122 |
| Assets per employee ($millions) | 7.5437% | 1,155 |
| Cash dividends to net income (ytd only)* | 39.2034% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 1,721 |
| Loan loss allowance to noncurrent loans | 113.2000% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 3,374 |
| Noncurrent loans to loans | 1.2034% | 1,305 |
| Net loans and leases to total assets | 19.4031% | 4,965 |
| Net loans and leases to deposits | 22.3234% | 4,975 |
| Net loans and leases to core deposits | 22.3234% | 4,975 |
| Total domestic deposits to total assets | 86.9182% | 1,653 |
| Equity capital to assets | 12.9957% | 1,167 |
| Core capital (leverage) ratio | 9.9898% | 2,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7468% | 942 |
| Memoranda: | ||
| Average total assets | $100,278,000 | 3,988 |
| Average earning assets | $97,184,000 | 3,921 |
| Average equity | $11,460,667 | 4,051 |
| Average total loans | $20,848,333 | 4,754 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9547% | 4,968 |
| Cost of funding earning assets | 0.1611% | 4,956 |
| Net interest margin | 2.7936% | 4,571 |
| Noninterest income to average assets | 0.1229% | 4,744 |
| Noninterest expense to average assets | 2.1596% | 4,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6639% | 3,393 |
| Return on assets (ROA) | 1.3892% | 1,089 |
| Pretax return on assets | 1.3892% | 1,594 |
| Return on Equity (ROE) | 13.1287% | 858 |
| Retained earnings to average equity (ytd only) | 13.1287% | 307 |
| Net charge-offs to loans | -0.0192% | 4,322 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4877% | 1,512 |
| Assets per employee ($millions) | 6.9215% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3591% | 1,863 |
| Loan loss allowance to noncurrent loans | 111.9522% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 3,417 |
| Noncurrent loans to loans | 1.2140% | 1,346 |
| Net loans and leases to total assets | 21.0473% | 5,004 |
| Net loans and leases to deposits | 23.4256% | 5,018 |
| Net loans and leases to core deposits | 23.4256% | 5,018 |
| Total domestic deposits to total assets | 89.8474% | 373 |
| Equity capital to assets | 10.0422% | 3,741 |
| Core capital (leverage) ratio | 10.3775% | 3,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9240% | 995 |
| Memoranda: | ||
| Average total assets | $97,611,000 | 4,023 |
| Average earning assets | $94,359,000 | 3,955 |
| Average equity | $10,328,500 | 4,205 |
| Average total loans | $20,885,000 | 4,787 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8927% | 5,077 |
| Cost of funding earning assets | 0.1660% | 5,022 |
| Net interest margin | 2.7267% | 4,820 |
| Noninterest income to average assets | 0.1384% | 4,786 |
| Noninterest expense to average assets | 2.0647% | 4,414 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7122% | 3,834 |
| Return on assets (ROA) | 0.7344% | 3,822 |
| Pretax return on assets | 0.7344% | 4,127 |
| Return on Equity (ROE) | 7.1152% | 3,513 |
| Retained earnings to average equity (ytd only) | 1.7404% | 4,106 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3531% | 1,565 |
| Assets per employee ($millions) | 7.5632% | 839 |
| Cash dividends to net income (ytd only)* | 75.5396% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 1,804 |
| Loan loss allowance to noncurrent loans | 111.5538% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 3,412 |
| Noncurrent loans to loans | 1.1899% | 1,270 |
| Net loans and leases to total assets | 21.1694% | 5,060 |
| Net loans and leases to deposits | 23.8318% | 5,079 |
| Net loans and leases to core deposits | 23.8318% | 5,079 |
| Total domestic deposits to total assets | 88.8284% | 739 |
| Equity capital to assets | 11.1126% | 2,895 |
| Core capital (leverage) ratio | 10.2069% | 3,291 |
| Tier 1 risk-based capital ratio | 17.7457% | 1,826 |
| Total risk-based capital ratio | 18.2460% | 2,000 |
| Memoranda: | ||
| Average total assets | $94,637,200 | 4,080 |
| Average earning assets | $91,576,800 | 4,022 |
| Average equity | $9,767,800 | 4,272 |
| Average total loans | $19,569,800 | 4,874 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9079% | 5,169 |
| Cost of funding earning assets | 0.1691% | 5,089 |
| Net interest margin | 2.7389% | 4,907 |
| Noninterest income to average assets | 0.1380% | 4,844 |
| Noninterest expense to average assets | 2.0458% | 4,460 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7426% | 3,871 |
| Return on assets (ROA) | 0.7725% | 3,834 |
| Pretax return on assets | 0.7725% | 4,187 |
| Return on Equity (ROE) | 7.6383% | 3,460 |
| Retained earnings to average equity (ytd only) | 3.9809% | 3,404 |
| Net charge-offs to loans | 0.0069% | 3,125 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 523.2932% | 186 |
| Efficiency ratio | 73.3673% | 1,654 |
| Assets per employee ($millions) | 7.3162% | 908 |
| Cash dividends to net income (ytd only)* | 47.8825% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 1,712 |
| Loan loss allowance to noncurrent loans | 392.9577% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 4,346 |
| Noncurrent loans to loans | 0.3469% | 3,293 |
| Net loans and leases to total assets | 21.2270% | 5,149 |
| Net loans and leases to deposits | 24.0660% | 5,160 |
| Net loans and leases to core deposits | 24.0660% | 5,164 |
| Total domestic deposits to total assets | 88.2031% | 949 |
| Equity capital to assets | 11.6591% | 2,551 |
| Core capital (leverage) ratio | 10.4698% | 3,128 |
| Tier 1 risk-based capital ratio | 18.4773% | 1,691 |
| Total risk-based capital ratio | 18.9905% | 1,842 |
| Memoranda: | ||
| Average total assets | $93,716,250 | 4,137 |
| Average earning assets | $90,691,750 | 4,080 |
| Average equity | $9,478,250 | 4,355 |
| Average total loans | $19,188,750 | 4,953 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8517% | 5,239 |
| Cost of funding earning assets | 0.1706% | 5,126 |
| Net interest margin | 2.6811% | 5,018 |
| Noninterest income to average assets | 0.1330% | 4,908 |
| Noninterest expense to average assets | 2.0568% | 4,500 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6713% | 4,100 |
| Return on assets (ROA) | 0.6756% | 4,136 |
| Pretax return on assets | 0.6756% | 4,391 |
| Return on Equity (ROE) | 7.0459% | 3,660 |
| Retained earnings to average equity (ytd only) | 2.5723% | 3,909 |
| Net charge-offs to loans | 0.0213% | 2,424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 156.5000% | 479 |
| Efficiency ratio | 75.3931% | 1,474 |
| Assets per employee ($millions) | 7.9111% | 696 |
| Cash dividends to net income (ytd only)* | 63.4921% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 1,642 |
| Loan loss allowance to noncurrent loans | 241.7391% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 4,145 |
| Noncurrent loans to loans | 0.5764% | 2,533 |
| Net loans and leases to total assets | 20.7241% | 5,201 |
| Net loans and leases to deposits | 23.3146% | 5,208 |
| Net loans and leases to core deposits | 23.3146% | 5,209 |
| Total domestic deposits to total assets | 88.8890% | 709 |
| Equity capital to assets | 11.0194% | 3,023 |
| Core capital (leverage) ratio | 10.4441% | 3,149 |
| Tier 1 risk-based capital ratio | 18.2957% | 1,728 |
| Total risk-based capital ratio | 18.8107% | 1,880 |
| Memoranda: | ||
| Average total assets | $93,251,670 | 4,167 |
| Average earning assets | $90,261,000 | 4,110 |
| Average equity | $8,941,330 | 4,450 |
| Average total loans | $18,762,330 | 5,005 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8352% | 5,305 |
| Cost of funding earning assets | 0.1702% | 5,180 |
| Net interest margin | 2.6650% | 5,091 |
| Noninterest income to average assets | 0.1299% | 4,952 |
| Noninterest expense to average assets | 2.1080% | 4,448 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5973% | 4,252 |
| Return on assets (ROA) | 0.5237% | 4,474 |
| Pretax return on assets | 0.5237% | 4,634 |
| Return on Equity (ROE) | 5.9158% | 4,049 |
| Retained earnings to average equity (ytd only) | 5.9158% | 2,487 |
| Net charge-offs to loans | 0.0440% | 1,644 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 854 |
| Efficiency ratio | 77.9200% | 1,274 |
| Assets per employee ($millions) | 7.8201% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5561% | 1,163 |
| Loan loss allowance to noncurrent loans | 427.6923% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 4,475 |
| Noncurrent loans to loans | 0.3638% | 3,278 |
| Net loans and leases to total assets | 18.7413% | 5,270 |
| Net loans and leases to deposits | 20.7919% | 5,276 |
| Net loans and leases to core deposits | 20.7919% | 5,278 |
| Total domestic deposits to total assets | 90.1376% | 402 |
| Equity capital to assets | 9.7495% | 4,045 |
| Core capital (leverage) ratio | 10.6854% | 2,862 |
| Tier 1 risk-based capital ratio | 20.3496% | 1,273 |
| Total risk-based capital ratio | 20.9220% | 1,383 |
| Memoranda: | ||
| Average total assets | $92,411,000 | 4,227 |
| Average earning assets | $89,306,500 | 4,160 |
| Average equity | $8,181,500 | 4,596 |
| Average total loans | $18,167,500 | 5,073 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7976% | 5,293 |
| Cost of funding earning assets | 0.2166% | 4,938 |
| Net interest margin | 2.5810% | 5,164 |
| Noninterest income to average assets | 0.1491% | 4,963 |
| Noninterest expense to average assets | 2.0987% | 4,566 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5748% | 4,490 |
| Return on assets (ROA) | 0.5716% | 4,502 |
| Pretax return on assets | 0.5394% | 4,737 |
| Return on Equity (ROE) | 7.2968% | 3,733 |
| Retained earnings to average equity (ytd only) | 0.7940% | 4,775 |
| Net charge-offs to loans | -0.0174% | 4,658 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4559% | 1,005 |
| Assets per employee ($millions) | 7.5818% | 770 |
| Cash dividends to net income (ytd only)* | 89.1182% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5160% | 1,241 |
| Loan loss allowance to noncurrent loans | 184.2105% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 3,987 |
| Noncurrent loans to loans | 0.8230% | 1,956 |
| Net loans and leases to total assets | 19.9932% | 5,307 |
| Net loans and leases to deposits | 21.7306% | 5,315 |
| Net loans and leases to core deposits | 21.7306% | 5,315 |
| Total domestic deposits to total assets | 92.0049% | 69 |
| Equity capital to assets | 7.9291% | 5,188 |
| Core capital (leverage) ratio | 10.8139% | 2,724 |
| Tier 1 risk-based capital ratio | 19.4835% | 1,408 |
| Total risk-based capital ratio | 20.0423% | 1,515 |
| Memoranda: | ||
| Average total assets | $93,248,800 | 4,216 |
| Average earning assets | $90,041,400 | 4,143 |
| Average equity | $7,304,600 | 4,704 |
| Average total loans | $17,273,800 | 5,144 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7780% | 5,362 |
| Cost of funding earning assets | 0.2250% | 4,920 |
| Net interest margin | 2.5530% | 5,249 |
| Noninterest income to average assets | 0.1492% | 5,029 |
| Noninterest expense to average assets | 2.0579% | 4,631 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6012% | 4,498 |
| Return on assets (ROA) | 0.6068% | 4,496 |
| Pretax return on assets | 0.5642% | 4,793 |
| Return on Equity (ROE) | 7.7699% | 3,638 |
| Retained earnings to average equity (ytd only) | 3.9487% | 3,798 |
| Net charge-offs to loans | -0.0236% | 4,678 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6529% | 1,061 |
| Assets per employee ($millions) | 6.9415% | 955 |
| Cash dividends to net income (ytd only)* | 49.1797% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5984% | 1,087 |
| Loan loss allowance to noncurrent loans | 176.1006% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.1762% | 4,071 |
| Noncurrent loans to loans | 0.9077% | 1,887 |
| Net loans and leases to total assets | 19.1015% | 5,385 |
| Net loans and leases to deposits | 20.6892% | 5,395 |
| Net loans and leases to core deposits | 20.6892% | 5,396 |
| Total domestic deposits to total assets | 92.3259% | 65 |
| Equity capital to assets | 7.4546% | 5,316 |
| Core capital (leverage) ratio | 10.7495% | 2,840 |
| Tier 1 risk-based capital ratio | 19.8277% | 1,369 |
| Total risk-based capital ratio | 20.3873% | 1,477 |
| Memoranda: | ||
| Average total assets | $93,815,750 | 4,243 |
| Average earning assets | $90,661,250 | 4,175 |
| Average equity | $7,327,250 | 4,748 |
| Average total loans | $16,974,750 | 5,209 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7395% | 5,423 |
| Cost of funding earning assets | 0.2439% | 4,779 |
| Net interest margin | 2.4956% | 5,347 |
| Noninterest income to average assets | 0.1431% | 5,102 |
| Noninterest expense to average assets | 2.0230% | 4,758 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5326% | 4,674 |
| Return on assets (ROA) | 0.5410% | 4,653 |
| Pretax return on assets | 0.5410% | 4,833 |
| Return on Equity (ROE) | 6.8285% | 3,949 |
| Retained earnings to average equity (ytd only) | 2.8430% | 4,116 |
| Net charge-offs to loans | -0.0238% | 4,639 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1598% | 1,101 |
| Assets per employee ($millions) | 7.8881% | 650 |
| Cash dividends to net income (ytd only)* | 58.3658% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6170% | 1,068 |
| Loan loss allowance to noncurrent loans | 180.6452% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 4,166 |
| Noncurrent loans to loans | 0.8951% | 1,930 |
| Net loans and leases to total assets | 17.9976% | 5,451 |
| Net loans and leases to deposits | 19.4397% | 5,466 |
| Net loans and leases to core deposits | 19.4397% | 5,466 |
| Total domestic deposits to total assets | 92.5816% | 47 |
| Equity capital to assets | 7.3201% | 5,419 |
| Core capital (leverage) ratio | 10.3790% | 3,159 |
| Tier 1 risk-based capital ratio | 18.0402% | 1,786 |
| Total risk-based capital ratio | 18.5551% | 1,953 |
| Memoranda: | ||
| Average total assets | $95,008,000 | 4,266 |
| Average earning assets | $91,842,330 | 4,188 |
| Average equity | $7,527,330 | 4,770 |
| Average total loans | $16,794,000 | 5,272 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6956% | 5,484 |
| Cost of funding earning assets | 0.3038% | 4,324 |
| Net interest margin | 2.3917% | 5,442 |
| Noninterest income to average assets | 0.1429% | 5,157 |
| Noninterest expense to average assets | 2.0928% | 4,674 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3656% | 4,992 |
| Return on assets (ROA) | 0.3824% | 4,967 |
| Pretax return on assets | 0.3824% | 5,057 |
| Return on Equity (ROE) | 4.6509% | 4,591 |
| Retained earnings to average equity (ytd only) | 4.6509% | 3,335 |
| Net charge-offs to loans | -0.0242% | 4,647 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1282% | 703 |
| Assets per employee ($millions) | 7.3674% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6768% | 1,003 |
| Loan loss allowance to noncurrent loans | 174.8428% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 4,258 |
| Noncurrent loans to loans | 0.9590% | 1,904 |
| Net loans and leases to total assets | 17.0199% | 5,518 |
| Net loans and leases to deposits | 18.4155% | 5,529 |
| Net loans and leases to core deposits | 18.4155% | 5,530 |
| Total domestic deposits to total assets | 92.4219% | 70 |
| Equity capital to assets | 7.4768% | 5,422 |
| Core capital (leverage) ratio | 10.1628% | 3,346 |
| Tier 1 risk-based capital ratio | 18.1473% | 1,789 |
| Total risk-based capital ratio | 18.6623% | 1,956 |
| Memoranda: | ||
| Average total assets | $95,183,500 | 4,301 |
| Average earning assets | $92,151,500 | 4,228 |
| Average equity | $7,826,500 | 4,774 |
| Average total loans | $16,533,000 | 5,338 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5155% | 5,549 |
| Cost of funding earning assets | 0.4011% | 3,248 |
| Net interest margin | 2.1143% | 5,554 |
| Noninterest income to average assets | 0.1604% | 5,159 |
| Noninterest expense to average assets | 1.9779% | 4,997 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2395% | 5,033 |
| Return on assets (ROA) | 0.3368% | 4,882 |
| Pretax return on assets | 0.3368% | 5,173 |
| Return on Equity (ROE) | 3.5206% | 4,679 |
| Retained earnings to average equity (ytd only) | -0.3576% | 5,099 |
| Net charge-offs to loans | 0.0637% | 2,564 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 22.4000% | 1,851 |
| Efficiency ratio | 89.1996% | 463 |
| Assets per employee ($millions) | 7.8826% | 663 |
| Cash dividends to net income (ytd only)* | 110.1587% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6801% | 980 |
| Loan loss allowance to noncurrent loans | 179.8701% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 4,329 |
| Noncurrent loans to loans | 0.9341% | 1,908 |
| Net loans and leases to total assets | 17.1369% | 5,584 |
| Net loans and leases to deposits | 18.8602% | 5,599 |
| Net loans and leases to core deposits | 19.2983% | 5,596 |
| Total domestic deposits to total assets | 90.8628% | 277 |
| Equity capital to assets | 8.9776% | 4,744 |
| Core capital (leverage) ratio | 10.1343% | 3,263 |
| Tier 1 risk-based capital ratio | 18.6121% | 1,614 |
| Total risk-based capital ratio | 19.1434% | 1,777 |
| Memoranda: | ||
| Average total assets | $93,533,800 | 4,356 |
| Average earning assets | $90,997,600 | 4,266 |
| Average equity | $8,947,400 | 4,621 |
| Average total loans | $15,689,000 | 5,427 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4810% | 5,625 |
| Cost of funding earning assets | 0.4064% | 3,120 |
| Net interest margin | 2.0746% | 5,627 |
| Noninterest income to average assets | 0.1630% | 5,202 |
| Noninterest expense to average assets | 1.9756% | 5,007 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2087% | 5,344 |
| Return on assets (ROA) | 0.3388% | 5,167 |
| Pretax return on assets | 0.3388% | 5,275 |
| Return on Equity (ROE) | 3.4873% | 4,981 |
| Retained earnings to average equity (ytd only) | 1.3243% | 4,874 |
| Net charge-offs to loans | -0.0258% | 4,937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4450% | 395 |
| Assets per employee ($millions) | 7.2830% | 832 |
| Cash dividends to net income (ytd only)* | 62.0273% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8592% | 766 |
| Loan loss allowance to noncurrent loans | 119.9170% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.2545% | 4,041 |
| Noncurrent loans to loans | 1.5504% | 1,201 |
| Net loans and leases to total assets | 16.1123% | 5,661 |
| Net loans and leases to deposits | 17.9447% | 5,669 |
| Net loans and leases to core deposits | 18.5998% | 5,669 |
| Total domestic deposits to total assets | 89.7887% | 549 |
| Equity capital to assets | 10.0476% | 3,856 |
| Core capital (leverage) ratio | 10.3958% | 3,091 |
| Tier 1 risk-based capital ratio | 18.9401% | 1,598 |
| Total risk-based capital ratio | 19.4972% | 1,752 |
| Memoranda: | ||
| Average total assets | $93,269,500 | 4,405 |
| Average earning assets | $90,875,000 | 4,310 |
| Average equity | $9,061,250 | 4,648 |
| Average total loans | $15,489,500 | 5,489 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4417% | 5,675 |
| Cost of funding earning assets | 0.4044% | 3,028 |
| Net interest margin | 2.0373% | 5,684 |
| Noninterest income to average assets | 0.1703% | 5,201 |
| Noninterest expense to average assets | 1.9655% | 5,047 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1918% | 5,405 |
| Return on assets (ROA) | 0.3405% | 5,145 |
| Pretax return on assets | 0.3405% | 5,282 |
| Return on Equity (ROE) | 3.5463% | 4,964 |
| Retained earnings to average equity (ytd only) | 3.5463% | 3,597 |
| Net charge-offs to loans | -0.0259% | 4,886 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1089% | 394 |
| Assets per employee ($millions) | 7.2729% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8995% | 722 |
| Loan loss allowance to noncurrent loans | 134.2593% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 4,231 |
| Noncurrent loans to loans | 1.4148% | 1,349 |
| Net loans and leases to total assets | 15.8406% | 5,709 |
| Net loans and leases to deposits | 17.6832% | 5,714 |
| Net loans and leases to core deposits | 18.3086% | 5,717 |
| Total domestic deposits to total assets | 89.5799% | 696 |
| Equity capital to assets | 10.2530% | 3,610 |
| Core capital (leverage) ratio | 10.5340% | 2,874 |
| Tier 1 risk-based capital ratio | 19.6173% | 1,442 |
| Total risk-based capital ratio | 20.1923% | 1,561 |
| Memoranda: | ||
| Average total assets | $92,799,670 | 4,444 |
| Average earning assets | $90,511,000 | 4,346 |
| Average equity | $8,910,670 | 4,693 |
| Average total loans | $15,471,330 | 5,537 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5130% | 5,714 |
| Cost of funding earning assets | 0.4039% | 2,958 |
| Net interest margin | 2.1091% | 5,736 |
| Noninterest income to average assets | 0.1784% | 5,202 |
| Noninterest expense to average assets | 1.9886% | 5,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2350% | 5,339 |
| Return on assets (ROA) | 0.3960% | 4,977 |
| Pretax return on assets | 0.3960% | 5,163 |
| Return on Equity (ROE) | 4.2728% | 4,683 |
| Retained earnings to average equity (ytd only) | 4.2728% | 3,303 |
| Net charge-offs to loans | -0.0257% | 4,861 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4325% | 583 |
| Assets per employee ($millions) | 7.7529% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9679% | 710 |
| Loan loss allowance to noncurrent loans | 105.8824% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 4,033 |
| Noncurrent loans to loans | 1.8586% | 995 |
| Net loans and leases to total assets | 15.4211% | 5,782 |
| Net loans and leases to deposits | 17.0572% | 5,785 |
| Net loans and leases to core deposits | 17.6618% | 5,783 |
| Total domestic deposits to total assets | 90.4079% | 506 |
| Equity capital to assets | 9.4491% | 4,338 |
| Core capital (leverage) ratio | 10.6065% | 2,781 |
| Tier 1 risk-based capital ratio | 19.6686% | 1,455 |
| Total risk-based capital ratio | 20.2450% | 1,578 |
| Memoranda: | ||
| Average total assets | $91,925,500 | 4,504 |
| Average earning assets | $89,136,500 | 4,417 |
| Average equity | $8,519,000 | 4,808 |
| Average total loans | $15,573,500 | 5,599 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0525% | 5,453 |
| Cost of funding earning assets | 0.4003% | 2,995 |
| Net interest margin | 2.6522% | 5,472 |
| Noninterest income to average assets | 0.1849% | 5,289 |
| Noninterest expense to average assets | 2.0142% | 5,161 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7440% | 3,565 |
| Return on assets (ROA) | 0.7877% | 3,466 |
| Pretax return on assets | 0.7877% | 4,215 |
| Return on Equity (ROE) | 7.0443% | 3,443 |
| Retained earnings to average equity (ytd only) | 1.1741% | 4,820 |
| Net charge-offs to loans | -0.0123% | 4,995 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0266% | 2,424 |
| Assets per employee ($millions) | 8.2560% | 543 |
| Cash dividends to net income (ytd only)* | 83.3333% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7381% | 1,061 |
| Loan loss allowance to noncurrent loans | 103.2374% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 4,051 |
| Noncurrent loans to loans | 1.6836% | 1,144 |
| Net loans and leases to total assets | 17.8658% | 5,821 |
| Net loans and leases to deposits | 19.6881% | 5,831 |
| Net loans and leases to core deposits | 20.3763% | 5,831 |
| Total domestic deposits to total assets | 90.7439% | 370 |
| Equity capital to assets | 9.0810% | 4,731 |
| Core capital (leverage) ratio | 10.5606% | 2,822 |
| Tier 1 risk-based capital ratio | 19.2183% | 1,541 |
| Total risk-based capital ratio | 19.7848% | 1,686 |
| Memoranda: | ||
| Average total assets | $91,402,400 | 4,522 |
| Average earning assets | $88,682,400 | 4,417 |
| Average equity | $10,221,000 | 4,533 |
| Average total loans | $16,311,000 | 5,635 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2315% | 5,316 |
| Cost of funding earning assets | 0.3977% | 3,046 |
| Net interest margin | 2.8338% | 5,297 |
| Noninterest income to average assets | 0.1879% | 5,333 |
| Noninterest expense to average assets | 1.9399% | 5,311 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9976% | 2,444 |
| Return on assets (ROA) | 1.0559% | 2,295 |
| Pretax return on assets | 1.0559% | 3,406 |
| Return on Equity (ROE) | 9.0218% | 2,475 |
| Retained earnings to average equity (ytd only) | 5.4255% | 2,533 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0387% | 3,587 |
| Assets per employee ($millions) | 7.1048% | 856 |
| Cash dividends to net income (ytd only)* | 39.8618% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8378% | 943 |
| Loan loss allowance to noncurrent loans | 62.8571% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 3,477 |
| Noncurrent loans to loans | 2.9238% | 528 |
| Net loans and leases to total assets | 16.5391% | 5,899 |
| Net loans and leases to deposits | 18.8674% | 5,907 |
| Net loans and leases to core deposits | 19.5375% | 5,904 |
| Total domestic deposits to total assets | 87.6596% | 1,583 |
| Equity capital to assets | 12.1726% | 1,996 |
| Core capital (leverage) ratio | 10.9042% | 2,557 |
| Tier 1 risk-based capital ratio | 19.8409% | 1,474 |
| Total risk-based capital ratio | 20.4054% | 1,593 |
| Memoranda: | ||
| Average total assets | $91,549,000 | 4,556 |
| Average earning assets | $88,831,750 | 4,455 |
| Average equity | $10,714,500 | 4,505 |
| Average total loans | $16,260,750 | 5,692 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3384% | 5,206 |
| Cost of funding earning assets | 0.3927% | 3,120 |
| Net interest margin | 2.9456% | 5,178 |
| Noninterest income to average assets | 0.1819% | 5,404 |
| Noninterest expense to average assets | 1.9369% | 5,392 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1043% | 1,941 |
| Return on assets (ROA) | 1.1920% | 1,728 |
| Pretax return on assets | 1.1920% | 2,809 |
| Return on Equity (ROE) | 10.3242% | 1,913 |
| Retained earnings to average equity (ytd only) | 7.0979% | 1,557 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6888% | 4,071 |
| Assets per employee ($millions) | 7.2566% | 783 |
| Cash dividends to net income (ytd only)* | 31.2500% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7841% | 1,103 |
| Loan loss allowance to noncurrent loans | 84.5697% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 0.3572% | 4,055 |
| Noncurrent loans to loans | 2.1097% | 923 |
| Net loans and leases to total assets | 16.6310% | 5,974 |
| Net loans and leases to deposits | 18.9426% | 5,980 |
| Net loans and leases to core deposits | 19.5775% | 5,980 |
| Total domestic deposits to total assets | 87.7968% | 1,527 |
| Equity capital to assets | 12.0272% | 2,108 |
| Core capital (leverage) ratio | 10.7896% | 2,667 |
| Tier 1 risk-based capital ratio | 20.2276% | 1,408 |
| Total risk-based capital ratio | 20.8047% | 1,513 |
| Memoranda: | ||
| Average total assets | $91,277,670 | 4,596 |
| Average earning assets | $88,606,000 | 4,494 |
| Average equity | $10,538,330 | 4,557 |
| Average total loans | $16,493,670 | 5,752 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9520% | 5,734 |
| Cost of funding earning assets | 0.3954% | 3,131 |
| Net interest margin | 2.5565% | 5,761 |
| Noninterest income to average assets | 0.1916% | 5,356 |
| Noninterest expense to average assets | 1.9699% | 5,398 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6997% | 3,716 |
| Return on assets (ROA) | 0.8780% | 2,975 |
| Pretax return on assets | 0.8780% | 3,941 |
| Return on Equity (ROE) | 7.7754% | 3,045 |
| Retained earnings to average equity (ytd only) | 7.7754% | 1,553 |
| Net charge-offs to loans | 0.0239% | 2,454 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 157.0000% | 384 |
| Efficiency ratio | 73.7896% | 2,517 |
| Assets per employee ($millions) | 7.5685% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7065% | 1,351 |
| Loan loss allowance to noncurrent loans | 198.6014% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 4,944 |
| Noncurrent loans to loans | 0.8593% | 2,700 |
| Net loans and leases to total assets | 18.0111% | 6,018 |
| Net loans and leases to deposits | 20.4171% | 6,027 |
| Net loans and leases to core deposits | 21.1267% | 6,025 |
| Total domestic deposits to total assets | 88.2154% | 1,522 |
| Equity capital to assets | 11.6602% | 2,278 |
| Core capital (leverage) ratio | 10.9049% | 2,497 |
| Tier 1 risk-based capital ratio | 22.0747% | 1,150 |
| Total risk-based capital ratio | 22.7137% | 1,215 |
| Memoranda: | ||
| Average total assets | $89,748,500 | 4,666 |
| Average earning assets | $86,992,500 | 4,563 |
| Average equity | $10,134,500 | 4,639 |
| Average total loans | $16,753,500 | 5,797 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8317% | 5,860 |
| Cost of funding earning assets | 0.4042% | 3,110 |
| Net interest margin | 2.4276% | 5,875 |
| Noninterest income to average assets | 0.2107% | 5,332 |
| Noninterest expense to average assets | 2.0367% | 5,385 |
| Loan and lease loss provision to assets | 0.0513% | 3,298 |
| Net operating income to assets | 0.4488% | 4,884 |
| Return on assets (ROA) | 0.5285% | 4,666 |
| Pretax return on assets | 0.5285% | 5,048 |
| Return on Equity (ROE) | 4.6222% | 4,689 |
| Retained earnings to average equity (ytd only) | 0.6375% | 5,258 |
| Net charge-offs to loans | 0.0414% | 3,390 |
| Credit loss provision to net charge-offs | 642.8571% | 524 |
| Earnings coverage of net charge-offs (x) | 62.7143% | 844 |
| Efficiency ratio | 80.2874% | 1,632 |
| Assets per employee ($millions) | 7.3896% | 749 |
| Cash dividends to net income (ytd only)* | 86.2069% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6899% | 1,377 |
| Loan loss allowance to noncurrent loans | 121.2766% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 4,531 |
| Noncurrent loans to loans | 1.3934% | 1,680 |
| Net loans and leases to total assets | 18.6975% | 6,065 |
| Net loans and leases to deposits | 21.0281% | 6,078 |
| Net loans and leases to core deposits | 21.7417% | 6,081 |
| Total domestic deposits to total assets | 88.9168% | 1,157 |
| Equity capital to assets | 10.9151% | 2,912 |
| Core capital (leverage) ratio | 10.7973% | 2,609 |
| Tier 1 risk-based capital ratio | 22.8257% | 1,035 |
| Total risk-based capital ratio | 23.5022% | 1,092 |
| Memoranda: | ||
| Average total assets | $87,790,200 | 4,714 |
| Average earning assets | $84,117,600 | 4,627 |
| Average equity | $10,038,600 | 4,658 |
| Average total loans | $16,926,600 | 5,831 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7706% | 5,979 |
| Cost of funding earning assets | 0.4047% | 3,178 |
| Net interest margin | 2.3659% | 5,994 |
| Noninterest income to average assets | 0.2193% | 5,345 |
| Noninterest expense to average assets | 1.9580% | 5,556 |
| Loan and lease loss provision to assets | 0.0685% | 2,807 |
| Net operating income to assets | 0.4537% | 4,960 |
| Return on assets (ROA) | 0.4598% | 5,031 |
| Pretax return on assets | 0.4598% | 5,331 |
| Return on Equity (ROE) | 3.9755% | 5,041 |
| Retained earnings to average equity (ytd only) | 2.7249% | 4,478 |
| Net charge-offs to loans | 0.0944% | 2,217 |
| Credit loss provision to net charge-offs | 375.0000% | 797 |
| Earnings coverage of net charge-offs (x) | 28.5825% | 1,541 |
| Efficiency ratio | 78.9441% | 1,816 |
| Assets per employee ($millions) | 6.2599% | 1,196 |
| Cash dividends to net income (ytd only)* | 31.4558% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6539% | 1,598 |
| Loan loss allowance to noncurrent loans | 119.6581% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.2670% | 4,697 |
| Noncurrent loans to loans | 1.3822% | 1,851 |
| Net loans and leases to total assets | 18.9986% | 6,150 |
| Net loans and leases to deposits | 21.6026% | 6,164 |
| Net loans and leases to core deposits | 22.3550% | 6,166 |
| Total domestic deposits to total assets | 87.9459% | 1,595 |
| Equity capital to assets | 11.9389% | 2,148 |
| Core capital (leverage) ratio | 11.0586% | 2,422 |
| Tier 1 risk-based capital ratio | 27.6804% | 639 |
| Total risk-based capital ratio | 28.4746% | 654 |
| Memoranda: | ||
| Average total assets | $87,569,000 | 4,775 |
| Average earning assets | $83,686,500 | 4,701 |
| Average equity | $10,128,500 | 4,694 |
| Average total loans | $16,942,000 | 5,903 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7501% | 6,051 |
| Cost of funding earning assets | 0.4021% | 3,258 |
| Net interest margin | 2.3480% | 6,072 |
| Noninterest income to average assets | 0.2239% | 5,361 |
| Noninterest expense to average assets | 1.9144% | 5,691 |
| Loan and lease loss provision to assets | 0.0685% | 2,742 |
| Net operating income to assets | 0.4820% | 4,841 |
| Return on assets (ROA) | 0.4866% | 4,928 |
| Pretax return on assets | 0.4866% | 5,266 |
| Return on Equity (ROE) | 4.2528% | 4,924 |
| Retained earnings to average equity (ytd only) | 3.2944% | 3,948 |
| Net charge-offs to loans | 0.2242% | 1,142 |
| Credit loss provision to net charge-offs | 157.8947% | 1,480 |
| Earnings coverage of net charge-offs (x) | 12.6842% | 2,184 |
| Efficiency ratio | 77.6645% | 2,113 |
| Assets per employee ($millions) | 8.0315% | 520 |
| Cash dividends to net income (ytd only)* | 22.5352% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 2,079 |
| Loan loss allowance to noncurrent loans | 488.6792% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 5,625 |
| Noncurrent loans to loans | 0.3175% | 4,556 |
| Net loans and leases to total assets | 18.6005% | 6,223 |
| Net loans and leases to deposits | 20.9522% | 6,239 |
| Net loans and leases to core deposits | 21.7172% | 6,237 |
| Total domestic deposits to total assets | 88.7761% | 1,255 |
| Equity capital to assets | 11.0881% | 2,796 |
| Core capital (leverage) ratio | 11.0615% | 2,365 |
| Tier 1 risk-based capital ratio | 28.4381% | 621 |
| Total risk-based capital ratio | 29.1961% | 639 |
| Memoranda: | ||
| Average total assets | $87,546,000 | 4,823 |
| Average earning assets | $83,559,670 | 4,746 |
| Average equity | $10,017,000 | 4,746 |
| Average total loans | $16,946,000 | 5,969 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8030% | 6,070 |
| Cost of funding earning assets | 0.3942% | 3,368 |
| Net interest margin | 2.4087% | 6,094 |
| Noninterest income to average assets | 0.2433% | 5,232 |
| Noninterest expense to average assets | 2.0976% | 5,389 |
| Loan and lease loss provision to assets | 0.0689% | 2,568 |
| Net operating income to assets | 0.3764% | 5,155 |
| Return on assets (ROA) | 0.3856% | 5,244 |
| Pretax return on assets | 0.3856% | 5,458 |
| Return on Equity (ROE) | 3.3177% | 5,242 |
| Retained earnings to average equity (ytd only) | 3.3177% | 3,991 |
| Net charge-offs to loans | -0.0234% | 5,116 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4910% | 1,562 |
| Assets per employee ($millions) | 7.2565% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5794% | 2,125 |
| Loan loss allowance to noncurrent loans | 93.5943% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 4,696 |
| Noncurrent loans to loans | 1.6875% | 1,637 |
| Net loans and leases to total assets | 18.8211% | 6,282 |
| Net loans and leases to deposits | 21.4303% | 6,291 |
| Net loans and leases to core deposits | 22.2374% | 6,290 |
| Total domestic deposits to total assets | 87.8247% | 1,917 |
| Equity capital to assets | 12.0777% | 1,972 |
| Core capital (leverage) ratio | 10.9807% | 2,428 |
| Tier 1 risk-based capital ratio | 29.2559% | 583 |
| Total risk-based capital ratio | 30.0543% | 593 |
| Memoranda: | ||
| Average total assets | $87,145,500 | 4,878 |
| Average earning assets | $83,197,000 | 4,794 |
| Average equity | $10,127,500 | 4,755 |
| Average total loans | $17,073,000 | 6,013 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6694% | 6,275 |
| Cost of funding earning assets | 0.4040% | 3,658 |
| Net interest margin | 2.2653% | 6,282 |
| Noninterest income to average assets | 0.2295% | 5,483 |
| Noninterest expense to average assets | 1.9341% | 5,887 |
| Loan and lease loss provision to assets | 0.1672% | 1,565 |
| Net operating income to assets | 0.2973% | 5,519 |
| Return on assets (ROA) | 0.3898% | 5,320 |
| Pretax return on assets | 0.3944% | 5,502 |
| Return on Equity (ROE) | 3.4117% | 5,323 |
| Retained earnings to average equity (ytd only) | -1.9885% | 6,014 |
| Net charge-offs to loans | 0.9748% | 316 |
| Credit loss provision to net charge-offs | 80.5556% | 2,852 |
| Earnings coverage of net charge-offs (x) | 2.2556% | 4,211 |
| Efficiency ratio | 80.5089% | 1,846 |
| Assets per employee ($millions) | 7.2678% | 728 |
| Cash dividends to net income (ytd only)* | 158.2840% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 2,899 |
| Loan loss allowance to noncurrent loans | 297.5904% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 5,647 |
| Noncurrent loans to loans | 0.4744% | 4,235 |
| Net loans and leases to total assets | 19.7757% | 6,369 |
| Net loans and leases to deposits | 22.2953% | 6,384 |
| Net loans and leases to core deposits | 23.2612% | 6,379 |
| Total domestic deposits to total assets | 88.6989% | 1,412 |
| Equity capital to assets | 11.1658% | 2,735 |
| Core capital (leverage) ratio | 10.8458% | 2,558 |
| Tier 1 risk-based capital ratio | 28.7824% | 584 |
| Total risk-based capital ratio | 29.5266% | 588 |
| Memoranda: | ||
| Average total assets | $86,709,000 | 4,912 |
| Average earning assets | $83,166,200 | 4,818 |
| Average equity | $9,907,000 | 4,768 |
| Average total loans | $18,464,400 | 6,020 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6275% | 6,367 |
| Cost of funding earning assets | 0.4042% | 3,745 |
| Net interest margin | 2.2232% | 6,375 |
| Noninterest income to average assets | 0.2341% | 5,535 |
| Noninterest expense to average assets | 1.7909% | 6,103 |
| Loan and lease loss provision to assets | 0.2002% | 1,188 |
| Net operating income to assets | 0.3712% | 5,365 |
| Return on assets (ROA) | 0.3757% | 5,419 |
| Pretax return on assets | 0.3819% | 5,616 |
| Return on Equity (ROE) | 3.2699% | 5,442 |
| Retained earnings to average equity (ytd only) | 2.6668% | 4,699 |
| Net charge-offs to loans | 1.2972% | 203 |
| Credit loss provision to net charge-offs | 71.4286% | 2,745 |
| Earnings coverage of net charge-offs (x) | 2.0605% | 4,001 |
| Efficiency ratio | 75.6177% | 2,557 |
| Assets per employee ($millions) | 8.0440% | 513 |
| Cash dividends to net income (ytd only)* | 18.4428% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 3,923 |
| Loan loss allowance to noncurrent loans | 105.5046% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 5,243 |
| Noncurrent loans to loans | 1.1881% | 2,675 |
| Net loans and leases to total assets | 20.4760% | 6,444 |
| Net loans and leases to deposits | 23.1442% | 6,460 |
| Net loans and leases to core deposits | 24.1335% | 6,452 |
| Total domestic deposits to total assets | 88.4714% | 1,513 |
| Equity capital to assets | 11.4326% | 2,547 |
| Core capital (leverage) ratio | 11.1085% | 2,390 |
| Tier 1 risk-based capital ratio | 28.1303% | 638 |
| Total risk-based capital ratio | 28.7807% | 655 |
| Memoranda: | ||
| Average total assets | $86,583,000 | 4,968 |
| Average earning assets | $83,119,500 | 4,863 |
| Average equity | $9,949,250 | 4,799 |
| Average total loans | $18,707,000 | 6,073 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5974% | 6,442 |
| Cost of funding earning assets | 0.4005% | 3,861 |
| Net interest margin | 2.1969% | 6,452 |
| Noninterest income to average assets | 0.2327% | 5,531 |
| Noninterest expense to average assets | 1.8057% | 6,140 |
| Loan and lease loss provision to assets | 0.0256% | 3,767 |
| Net operating income to assets | 0.4980% | 4,818 |
| Return on assets (ROA) | 0.5003% | 4,890 |
| Pretax return on assets | 0.5096% | 5,252 |
| Return on Equity (ROE) | 4.3462% | 5,002 |
| Retained earnings to average equity (ytd only) | 3.4365% | 4,011 |
| Net charge-offs to loans | -0.0531% | 5,907 |
| Credit loss provision to net charge-offs | -220.0000% | 5,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2139% | 2,424 |
| Assets per employee ($millions) | 8.2448% | 447 |
| Cash dividends to net income (ytd only)* | 20.9302% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6333% | 2,351 |
| Loan loss allowance to noncurrent loans | 71.8072% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 0.4576% | 4,627 |
| Noncurrent loans to loans | 2.2746% | 1,430 |
| Net loans and leases to total assets | 19.7887% | 6,513 |
| Net loans and leases to deposits | 22.3485% | 6,529 |
| Net loans and leases to core deposits | 23.2570% | 6,525 |
| Total domestic deposits to total assets | 88.5460% | 1,609 |
| Equity capital to assets | 11.3349% | 2,571 |
| Core capital (leverage) ratio | 10.9673% | 2,459 |
| Tier 1 risk-based capital ratio | 26.0641% | 768 |
| Total risk-based capital ratio | 26.8471% | 794 |
| Memoranda: | ||
| Average total assets | $85,949,330 | 5,020 |
| Average earning assets | $82,390,330 | 4,929 |
| Average equity | $9,893,670 | 4,825 |
| Average total loans | $18,826,670 | 6,123 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6454% | 6,499 |
| Cost of funding earning assets | 0.4028% | 3,939 |
| Net interest margin | 2.2426% | 6,505 |
| Noninterest income to average assets | 0.2154% | 5,635 |
| Noninterest expense to average assets | 1.9623% | 5,953 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3929% | 5,142 |
| Return on assets (ROA) | 0.4020% | 5,174 |
| Pretax return on assets | 0.4212% | 5,381 |
| Return on Equity (ROE) | 3.4637% | 5,291 |
| Retained earnings to average equity (ytd only) | 3.4637% | 4,055 |
| Net charge-offs to loans | -0.1465% | 6,276 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6613% | 1,842 |
| Assets per employee ($millions) | 7.7258% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5445% | 2,953 |
| Loan loss allowance to noncurrent loans | 144.5000% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 5,496 |
| Noncurrent loans to loans | 1.0688% | 3,286 |
| Net loans and leases to total assets | 21.6782% | 6,548 |
| Net loans and leases to deposits | 24.5702% | 6,569 |
| Net loans and leases to core deposits | 25.6427% | 6,559 |
| Total domestic deposits to total assets | 88.2295% | 2,092 |
| Equity capital to assets | 11.6657% | 2,127 |
| Core capital (leverage) ratio | 11.7716% | 1,786 |
| Tier 1 risk-based capital ratio | 23.6247% | 1,054 |
| Total risk-based capital ratio | 24.3189% | 1,124 |
| Memoranda: | ||
| Average total assets | $83,577,500 | 5,117 |
| Average earning assets | $80,442,000 | 5,013 |
| Average equity | $9,700,500 | 4,890 |
| Average total loans | $19,117,500 | 6,174 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8651% | 6,455 |
| Cost of funding earning assets | 0.4479% | 4,138 |
| Net interest margin | 2.4172% | 6,432 |
| Noninterest income to average assets | 0.2893% | 5,293 |
| Noninterest expense to average assets | 2.0402% | 5,945 |
| Loan and lease loss provision to assets | 0.2030% | 1,832 |
| Net operating income to assets | 0.3223% | 5,447 |
| Return on assets (ROA) | 0.5900% | 4,420 |
| Pretax return on assets | 0.5735% | 4,956 |
| Return on Equity (ROE) | 4.6758% | 4,798 |
| Retained earnings to average equity (ytd only) | -0.5732% | 5,989 |
| Net charge-offs to loans | 0.3909% | 1,722 |
| Credit loss provision to net charge-offs | 216.2162% | 1,068 |
| Earnings coverage of net charge-offs (x) | 5.4189% | 3,306 |
| Efficiency ratio | 80.0398% | 2,143 |
| Assets per employee ($millions) | 7.4701% | 609 |
| Cash dividends to net income (ytd only)* | 112.2581% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4445% | 3,446 |
| Loan loss allowance to noncurrent loans | 125.3333% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.2738% | 5,441 |
| Noncurrent loans to loans | 1.1525% | 3,232 |
| Net loans and leases to total assets | 23.4158% | 6,615 |
| Net loans and leases to deposits | 26.5137% | 6,633 |
| Net loans and leases to core deposits | 27.7740% | 6,628 |
| Total domestic deposits to total assets | 88.3158% | 1,996 |
| Equity capital to assets | 11.5454% | 2,131 |
| Core capital (leverage) ratio | 11.8282% | 1,735 |
| Tier 1 risk-based capital ratio | 22.6232% | 1,157 |
| Total risk-based capital ratio | 23.2776% | 1,230 |
| Memoranda: | ||
| Average total assets | $78,817,200 | 5,266 |
| Average earning assets | $73,679,400 | 5,201 |
| Average equity | $9,944,800 | 4,856 |
| Average total loans | $18,933,000 | 6,256 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8748% | 6,509 |
| Cost of funding earning assets | 0.4549% | 4,220 |
| Net interest margin | 2.4199% | 6,499 |
| Noninterest income to average assets | 0.2958% | 5,331 |
| Noninterest expense to average assets | 1.9526% | 6,093 |
| Loan and lease loss provision to assets | 0.0684% | 3,688 |
| Net operating income to assets | 0.5437% | 4,609 |
| Return on assets (ROA) | 0.5677% | 4,639 |
| Pretax return on assets | 0.5454% | 5,216 |
| Return on Equity (ROE) | 4.4005% | 5,024 |
| Retained earnings to average equity (ytd only) | 3.4329% | 4,241 |
| Net charge-offs to loans | 0.2200% | 2,500 |
| Credit loss provision to net charge-offs | 129.0323% | 1,826 |
| Earnings coverage of net charge-offs (x) | 11.1297% | 2,275 |
| Efficiency ratio | 76.7989% | 2,596 |
| Assets per employee ($millions) | 6.7300% | 842 |
| Cash dividends to net income (ytd only)* | 21.9875% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 5,519 |
| Loan loss allowance to noncurrent loans | 82.6613% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 0.3071% | 5,497 |
| Noncurrent loans to loans | 1.2728% | 3,279 |
| Net loans and leases to total assets | 23.8732% | 6,691 |
| Net loans and leases to deposits | 27.4195% | 6,704 |
| Net loans and leases to core deposits | 28.7658% | 6,695 |
| Total domestic deposits to total assets | 87.0666% | 2,658 |
| Equity capital to assets | 12.8281% | 1,407 |
| Core capital (leverage) ratio | 12.5535% | 1,394 |
| Tier 1 risk-based capital ratio | 20.5930% | 1,581 |
| Total risk-based capital ratio | 21.0125% | 1,758 |
| Memoranda: | ||
| Average total assets | $77,978,750 | 5,338 |
| Average earning assets | $72,397,250 | 5,296 |
| Average equity | $10,059,250 | 4,883 |
| Average total loans | $18,785,500 | 6,328 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8952% | 6,537 |
| Cost of funding earning assets | 0.4596% | 4,317 |
| Net interest margin | 2.4356% | 6,520 |
| Noninterest income to average assets | 0.3115% | 5,215 |
| Noninterest expense to average assets | 1.9857% | 6,076 |
| Loan and lease loss provision to assets | 0.0519% | 3,948 |
| Net operating income to assets | 0.5295% | 4,667 |
| Return on assets (ROA) | 0.5451% | 4,744 |
| Pretax return on assets | 0.5451% | 5,219 |
| Return on Equity (ROE) | 4.2173% | 5,126 |
| Retained earnings to average equity (ytd only) | 3.2333% | 4,252 |
| Net charge-offs to loans | 0.1940% | 2,595 |
| Credit loss provision to net charge-offs | 111.1111% | 1,994 |
| Earnings coverage of net charge-offs (x) | 12.4444% | 1,978 |
| Efficiency ratio | 77.3509% | 2,568 |
| Assets per employee ($millions) | 6.5432% | 884 |
| Cash dividends to net income (ytd only)* | 23.3333% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 5,626 |
| Loan loss allowance to noncurrent loans | 196.0396% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1286% | 6,100 |
| Noncurrent loans to loans | 0.5358% | 4,923 |
| Net loans and leases to total assets | 23.7576% | 6,726 |
| Net loans and leases to deposits | 27.3451% | 6,744 |
| Net loans and leases to core deposits | 28.6958% | 6,740 |
| Total domestic deposits to total assets | 86.8807% | 2,894 |
| Equity capital to assets | 12.9830% | 1,351 |
| Core capital (leverage) ratio | 12.6400% | 1,307 |
| Tier 1 risk-based capital ratio | 20.8448% | 1,527 |
| Total risk-based capital ratio | 21.2589% | 1,684 |
| Memoranda: | ||
| Average total assets | $77,051,670 | 5,389 |
| Average earning assets | $71,359,000 | 5,353 |
| Average equity | $9,959,000 | 4,951 |
| Average total loans | $18,552,330 | 6,373 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9107% | 6,601 |
| Cost of funding earning assets | 0.4717% | 4,352 |
| Net interest margin | 2.4390% | 6,567 |
| Noninterest income to average assets | 0.2673% | 5,546 |
| Noninterest expense to average assets | 2.0598% | 5,985 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4979% | 4,679 |
| Return on assets (ROA) | 0.4979% | 4,833 |
| Pretax return on assets | 0.4298% | 5,472 |
| Return on Equity (ROE) | 3.8612% | 5,167 |
| Retained earnings to average equity (ytd only) | 2.8857% | 4,556 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7368% | 1,926 |
| Assets per employee ($millions) | 7.0745% | 742 |
| Cash dividends to net income (ytd only)* | 25.2632% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 5,884 |
| Loan loss allowance to noncurrent loans | 149.6183% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 6,068 |
| Noncurrent loans to loans | 0.6872% | 4,754 |
| Net loans and leases to total assets | 24.2447% | 6,766 |
| Net loans and leases to deposits | 27.8073% | 6,786 |
| Net loans and leases to core deposits | 29.1919% | 6,781 |
| Total domestic deposits to total assets | 87.1882% | 2,842 |
| Equity capital to assets | 12.6923% | 1,594 |
| Core capital (leverage) ratio | 12.7800% | 1,204 |
| Tier 1 risk-based capital ratio | 20.5100% | 1,650 |
| Total risk-based capital ratio | 20.9170% | 1,836 |
| Memoranda: | ||
| Average total assets | $76,318,500 | 5,454 |
| Average earning assets | $69,536,500 | 5,451 |
| Average equity | $9,841,500 | 5,021 |
| Average total loans | $18,402,500 | 6,435 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1391% | 6,698 |
| Cost of funding earning assets | 0.5155% | 5,111 |
| Net interest margin | 2.6237% | 6,613 |
| Noninterest income to average assets | 0.3296% | 5,099 |
| Noninterest expense to average assets | 2.0081% | 6,306 |
| Loan and lease loss provision to assets | 0.0492% | 5,204 |
| Net operating income to assets | 0.6033% | 4,223 |
| Return on assets (ROA) | 0.6033% | 4,486 |
| Pretax return on assets | 0.6060% | 4,976 |
| Return on Equity (ROE) | 4.6447% | 4,858 |
| Retained earnings to average equity (ytd only) | 2.4144% | 4,536 |
| Net charge-offs to loans | 0.0796% | 4,880 |
| Credit loss provision to net charge-offs | 264.2857% | 908 |
| Earnings coverage of net charge-offs (x) | 35.2143% | 894 |
| Efficiency ratio | 75.3992% | 2,847 |
| Assets per employee ($millions) | 6.8016% | 859 |
| Cash dividends to net income (ytd only)* | 48.0176% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 5,532 |
| Loan loss allowance to noncurrent loans | 181.4815% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.1444% | 6,206 |
| Noncurrent loans to loans | 0.6087% | 4,993 |
| Net loans and leases to total assets | 23.4516% | 6,869 |
| Net loans and leases to deposits | 27.2589% | 6,889 |
| Net loans and leases to core deposits | 28.6573% | 6,873 |
| Total domestic deposits to total assets | 86.0328% | 3,348 |
| Equity capital to assets | 13.1065% | 1,385 |
| Core capital (leverage) ratio | 12.8845% | 1,161 |
| Tier 1 risk-based capital ratio | 21.9619% | 1,271 |
| Total risk-based capital ratio | 22.4009% | 1,398 |
| Memoranda: | ||
| Average total assets | $75,247,000 | 5,477 |
| Average earning assets | $66,929,000 | 5,519 |
| Average equity | $9,774,600 | 5,035 |
| Average total loans | $17,597,000 | 6,532 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1542% | 6,823 |
| Cost of funding earning assets | 0.5191% | 5,312 |
| Net interest margin | 2.6351% | 6,721 |
| Noninterest income to average assets | 0.3256% | 5,183 |
| Noninterest expense to average assets | 1.8720% | 6,572 |
| Loan and lease loss provision to assets | 0.0655% | 4,882 |
| Net operating income to assets | 0.7378% | 3,746 |
| Return on assets (ROA) | 0.7378% | 4,000 |
| Pretax return on assets | 0.7414% | 4,703 |
| Return on Equity (ROE) | 5.6927% | 4,489 |
| Retained earnings to average equity (ytd only) | 4.7371% | 3,569 |
| Net charge-offs to loans | 0.0380% | 5,121 |
| Credit loss provision to net charge-offs | 740.0000% | 375 |
| Earnings coverage of net charge-offs (x) | 91.1514% | 463 |
| Efficiency ratio | 69.8811% | 3,708 |
| Assets per employee ($millions) | 6.3386% | 1,042 |
| Cash dividends to net income (ytd only)* | 16.7863% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 5,390 |
| Loan loss allowance to noncurrent loans | 154.1353% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 6,264 |
| Noncurrent loans to loans | 0.7637% | 4,889 |
| Net loans and leases to total assets | 22.6273% | 6,994 |
| Net loans and leases to deposits | 26.0627% | 7,009 |
| Net loans and leases to core deposits | 27.2175% | 6,999 |
| Total domestic deposits to total assets | 86.8188% | 2,791 |
| Equity capital to assets | 13.0392% | 1,582 |
| Core capital (leverage) ratio | 13.2111% | 1,106 |
| Tier 1 risk-based capital ratio | 22.2013% | 1,297 |
| Total risk-based capital ratio | 22.6602% | 1,408 |
| Memoranda: | ||
| Average total assets | $75,354,250 | 5,538 |
| Average earning assets | $67,294,500 | 5,571 |
| Average equity | $9,766,750 | 5,085 |
| Average total loans | $17,560,750 | 6,614 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1926% | 6,879 |
| Cost of funding earning assets | 0.5281% | 5,438 |
| Net interest margin | 2.6645% | 6,754 |
| Noninterest income to average assets | 0.3222% | 5,247 |
| Noninterest expense to average assets | 1.8424% | 6,697 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8520% | 3,129 |
| Return on assets (ROA) | 0.8520% | 3,404 |
| Pretax return on assets | 0.8573% | 4,248 |
| Return on Equity (ROE) | 6.5868% | 4,001 |
| Retained earnings to average equity (ytd only) | 6.1134% | 2,645 |
| Net charge-offs to loans | 0.0795% | 4,352 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 781 |
| Efficiency ratio | 68.2446% | 4,077 |
| Assets per employee ($millions) | 6.4204% | 1,004 |
| Cash dividends to net income (ytd only)* | 7.1875% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 6,288 |
| Loan loss allowance to noncurrent loans | 37.8132% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 0.5698% | 5,335 |
| Noncurrent loans to loans | 2.5423% | 2,370 |
| Net loans and leases to total assets | 22.1974% | 7,056 |
| Net loans and leases to deposits | 25.5094% | 7,076 |
| Net loans and leases to core deposits | 26.5898% | 7,075 |
| Total domestic deposits to total assets | 87.0167% | 2,755 |
| Equity capital to assets | 12.8081% | 1,618 |
| Core capital (leverage) ratio | 12.8775% | 1,185 |
| Tier 1 risk-based capital ratio | 22.4298% | 1,211 |
| Total risk-based capital ratio | 22.8071% | 1,352 |
| Memoranda: | ||
| Average total assets | $75,118,000 | 5,572 |
| Average earning assets | $67,029,670 | 5,616 |
| Average equity | $9,716,330 | 5,102 |
| Average total loans | $17,609,000 | 6,666 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2693% | 6,910 |
| Cost of funding earning assets | 0.5368% | 5,573 |
| Net interest margin | 2.7325% | 6,733 |
| Noninterest income to average assets | 0.3183% | 5,326 |
| Noninterest expense to average assets | 1.8664% | 6,706 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8846% | 2,994 |
| Return on assets (ROA) | 0.8846% | 3,212 |
| Pretax return on assets | 0.8954% | 4,044 |
| Return on Equity (ROE) | 6.8046% | 3,893 |
| Retained earnings to average equity (ytd only) | 5.8503% | 3,042 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5781% | 4,258 |
| Assets per employee ($millions) | 6.9575% | 772 |
| Cash dividends to net income (ytd only)* | 14.0244% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 6,280 |
| Loan loss allowance to noncurrent loans | 153.0973% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 6,515 |
| Noncurrent loans to loans | 0.6481% | 5,347 |
| Net loans and leases to total assets | 22.5553% | 7,107 |
| Net loans and leases to deposits | 25.8773% | 7,123 |
| Net loans and leases to core deposits | 26.9736% | 7,120 |
| Total domestic deposits to total assets | 87.1622% | 2,856 |
| Equity capital to assets | 12.6888% | 1,602 |
| Core capital (leverage) ratio | 12.8815% | 1,171 |
| Tier 1 risk-based capital ratio | 22.5654% | 1,198 |
| Total risk-based capital ratio | 22.9674% | 1,306 |
| Memoranda: | ||
| Average total assets | $74,154,500 | 5,640 |
| Average earning assets | $66,313,500 | 5,675 |
| Average equity | $9,640,500 | 5,137 |
| Average total loans | $17,779,500 | 6,719 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6708% | 6,878 |
| Cost of funding earning assets | 0.6841% | 5,635 |
| Net interest margin | 2.9867% | 6,550 |
| Noninterest income to average assets | 0.3523% | 4,985 |
| Noninterest expense to average assets | 2.1586% | 6,366 |
| Loan and lease loss provision to assets | 0.0182% | 6,342 |
| Net operating income to assets | 0.7340% | 3,322 |
| Return on assets (ROA) | 0.7340% | 3,496 |
| Pretax return on assets | 0.7368% | 4,200 |
| Return on Equity (ROE) | 5.5068% | 4,130 |
| Retained earnings to average equity (ytd only) | 3.2325% | 3,918 |
| Net charge-offs to loans | -0.0894% | 7,124 |
| Credit loss provision to net charge-offs | -81.2500% | 6,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0848% | 3,225 |
| Assets per employee ($millions) | 6.5252% | 943 |
| Cash dividends to net income (ytd only)* | 41.3002% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 6,381 |
| Loan loss allowance to noncurrent loans | 167.9612% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.1435% | 6,600 |
| Noncurrent loans to loans | 0.5683% | 5,578 |
| Net loans and leases to total assets | 25.0094% | 7,142 |
| Net loans and leases to deposits | 29.0559% | 7,153 |
| Net loans and leases to core deposits | 30.3437% | 7,147 |
| Total domestic deposits to total assets | 86.0735% | 3,279 |
| Equity capital to assets | 13.3330% | 1,345 |
| Core capital (leverage) ratio | 13.1092% | 1,101 |
| Tier 1 risk-based capital ratio | 22.0162% | 1,236 |
| Total risk-based capital ratio | 22.4142% | 1,359 |
| Memoranda: | ||
| Average total assets | $71,251,000 | 5,712 |
| Average earning assets | $61,103,600 | 5,832 |
| Average equity | $9,497,400 | 5,153 |
| Average total loans | $17,895,000 | 6,757 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7145% | 6,923 |
| Cost of funding earning assets | 0.7177% | 5,662 |
| Net interest margin | 2.9968% | 6,588 |
| Noninterest income to average assets | 0.3337% | 5,189 |
| Noninterest expense to average assets | 1.9703% | 6,751 |
| Loan and lease loss provision to assets | 0.0244% | 6,148 |
| Net operating income to assets | 0.8811% | 2,818 |
| Return on assets (ROA) | 0.8811% | 2,966 |
| Pretax return on assets | 0.8830% | 3,832 |
| Return on Equity (ROE) | 6.6108% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.2873% | 2,379 |
| Net charge-offs to loans | -0.1047% | 7,172 |
| Credit loss provision to net charge-offs | -92.8571% | 6,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4691% | 4,224 |
| Assets per employee ($millions) | 6.0451% | 1,176 |
| Cash dividends to net income (ytd only)* | 4.8943% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 6,519 |
| Loan loss allowance to noncurrent loans | 275.8065% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 6,842 |
| Noncurrent loans to loans | 0.3360% | 6,177 |
| Net loans and leases to total assets | 25.2023% | 7,205 |
| Net loans and leases to deposits | 29.1500% | 7,227 |
| Net loans and leases to core deposits | 30.4041% | 7,223 |
| Total domestic deposits to total assets | 86.4573% | 2,955 |
| Equity capital to assets | 13.3842% | 1,419 |
| Core capital (leverage) ratio | 13.2885% | 1,111 |
| Tier 1 risk-based capital ratio | 23.5290% | 1,066 |
| Total risk-based capital ratio | 23.9434% | 1,166 |
| Memoranda: | ||
| Average total assets | $71,119,500 | 5,755 |
| Average earning assets | $60,374,250 | 5,893 |
| Average equity | $9,479,250 | 5,183 |
| Average total loans | $17,837,750 | 6,829 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7320% | 6,988 |
| Cost of funding earning assets | 0.7653% | 5,590 |
| Net interest margin | 2.9667% | 6,667 |
| Noninterest income to average assets | 0.3284% | 5,266 |
| Noninterest expense to average assets | 1.9477% | 6,879 |
| Loan and lease loss provision to assets | 0.0368% | 5,856 |
| Net operating income to assets | 0.8323% | 2,935 |
| Return on assets (ROA) | 0.8323% | 3,051 |
| Pretax return on assets | 0.8352% | 3,888 |
| Return on Equity (ROE) | 6.2535% | 3,820 |
| Retained earnings to average equity (ytd only) | 5.9345% | 2,474 |
| Net charge-offs to loans | 0.1928% | 4,002 |
| Credit loss provision to net charge-offs | 76.4706% | 3,872 |
| Earnings coverage of net charge-offs (x) | 18.1176% | 1,272 |
| Efficiency ratio | 69.0763% | 4,312 |
| Assets per employee ($millions) | 6.1614% | 1,089 |
| Cash dividends to net income (ytd only)* | 5.1020% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8169% | 6,836 |
| Loan loss allowance to noncurrent loans | 135.9223% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 6,649 |
| Noncurrent loans to loans | 0.6010% | 5,714 |
| Net loans and leases to total assets | 22.9912% | 7,329 |
| Net loans and leases to deposits | 26.4555% | 7,348 |
| Net loans and leases to core deposits | 27.5475% | 7,350 |
| Total domestic deposits to total assets | 86.9051% | 2,798 |
| Equity capital to assets | 12.9056% | 1,568 |
| Core capital (leverage) ratio | 13.0573% | 1,138 |
| Tier 1 risk-based capital ratio | 23.7647% | 1,027 |
| Total risk-based capital ratio | 24.1134% | 1,120 |
| Memoranda: | ||
| Average total assets | $70,645,670 | 5,809 |
| Average earning assets | $59,325,000 | 5,975 |
| Average equity | $9,402,670 | 5,211 |
| Average total loans | $17,632,670 | 6,908 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8608% | 6,873 |
| Cost of funding earning assets | 0.8005% | 5,575 |
| Net interest margin | 3.0603% | 6,440 |
| Noninterest income to average assets | 0.3188% | 5,370 |
| Noninterest expense to average assets | 1.9710% | 6,872 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8522% | 2,770 |
| Return on assets (ROA) | 0.8522% | 2,831 |
| Pretax return on assets | 0.8522% | 3,699 |
| Return on Equity (ROE) | 6.3002% | 3,728 |
| Retained earnings to average equity (ytd only) | 5.9574% | 2,666 |
| Net charge-offs to loans | 0.4251% | 2,418 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 7.7368% | 1,905 |
| Efficiency ratio | 69.8152% | 4,314 |
| Assets per employee ($millions) | 6.4105% | 965 |
| Cash dividends to net income (ytd only)* | 5.4422% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7327% | 7,034 |
| Loan loss allowance to noncurrent loans | 62.8141% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 6,481 |
| Noncurrent loans to loans | 1.1665% | 4,753 |
| Net loans and leases to total assets | 24.0162% | 7,376 |
| Net loans and leases to deposits | 27.7719% | 7,391 |
| Net loans and leases to core deposits | 28.9765% | 7,387 |
| Total domestic deposits to total assets | 86.4766% | 3,251 |
| Equity capital to assets | 13.3333% | 1,250 |
| Core capital (leverage) ratio | 13.4314% | 989 |
| Tier 1 risk-based capital ratio | 25.2926% | 849 |
| Total risk-based capital ratio | 25.6288% | 920 |
| Memoranda: | ||
| Average total assets | $69,000,000 | 5,896 |
| Average earning assets | $56,465,500 | 6,117 |
| Average equity | $9,333,000 | 5,220 |
| Average total loans | $17,879,500 | 6,950 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1815% | 6,952 |
| Cost of funding earning assets | 1.0205% | 5,588 |
| Net interest margin | 3.1609% | 6,363 |
| Noninterest income to average assets | 0.4153% | 4,778 |
| Noninterest expense to average assets | 2.3226% | 6,297 |
| Loan and lease loss provision to assets | 0.0237% | 6,886 |
| Net operating income to assets | 0.6758% | 3,318 |
| Return on assets (ROA) | 0.6758% | 3,458 |
| Pretax return on assets | 0.6805% | 4,046 |
| Return on Equity (ROE) | 4.5466% | 4,277 |
| Retained earnings to average equity (ytd only) | 0.2018% | 5,470 |
| Net charge-offs to loans | 0.1089% | 5,786 |
| Credit loss provision to net charge-offs | 75.0000% | 5,733 |
| Earnings coverage of net charge-offs (x) | 22.3000% | 933 |
| Efficiency ratio | 76.7345% | 2,920 |
| Assets per employee ($millions) | 6.1350% | 1,120 |
| Cash dividends to net income (ytd only)* | 95.5607% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7701% | 7,027 |
| Loan loss allowance to noncurrent loans | 62.0690% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 6,401 |
| Noncurrent loans to loans | 1.2407% | 4,647 |
| Net loans and leases to total assets | 27.4950% | 7,414 |
| Net loans and leases to deposits | 32.0251% | 7,428 |
| Net loans and leases to core deposits | 33.4427% | 7,431 |
| Total domestic deposits to total assets | 85.8546% | 3,430 |
| Equity capital to assets | 13.7275% | 1,122 |
| Core capital (leverage) ratio | 14.0773% | 828 |
| Tier 1 risk-based capital ratio | 25.6145% | 795 |
| Total risk-based capital ratio | 26.0127% | 849 |
| Memoranda: | ||
| Average total assets | $63,335,200 | 6,079 |
| Average earning assets | $52,326,200 | 6,278 |
| Average equity | $9,413,600 | 5,295 |
| Average total loans | $18,372,400 | 7,008 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2165% | 7,069 |
| Cost of funding earning assets | 1.0541% | 5,681 |
| Net interest margin | 3.1624% | 6,450 |
| Noninterest income to average assets | 0.4280% | 4,737 |
| Noninterest expense to average assets | 2.1552% | 6,729 |
| Loan and lease loss provision to assets | 0.0107% | 6,921 |
| Net operating income to assets | 0.9288% | 2,497 |
| Return on assets (ROA) | 0.9288% | 2,629 |
| Pretax return on assets | 0.9331% | 3,437 |
| Return on Equity (ROE) | 6.1226% | 3,758 |
| Retained earnings to average equity (ytd only) | 5.5584% | 2,617 |
| Net charge-offs to loans | 0.1750% | 4,916 |
| Credit loss provision to net charge-offs | 20.8333% | 6,239 |
| Earnings coverage of net charge-offs (x) | 18.3747% | 1,264 |
| Efficiency ratio | 69.5442% | 4,165 |
| Assets per employee ($millions) | 5.3404% | 1,778 |
| Cash dividends to net income (ytd only)* | 9.2163% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7157% | 7,172 |
| Loan loss allowance to noncurrent loans | 56.2771% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 0.5493% | 6,054 |
| Noncurrent loans to loans | 1.2717% | 4,731 |
| Net loans and leases to total assets | 28.1408% | 7,508 |
| Net loans and leases to deposits | 33.5429% | 7,526 |
| Net loans and leases to core deposits | 35.1143% | 7,517 |
| Total domestic deposits to total assets | 83.8948% | 4,186 |
| Equity capital to assets | 15.0394% | 881 |
| Core capital (leverage) ratio | 15.1875% | 678 |
| Tier 1 risk-based capital ratio | 27.1096% | 686 |
| Total risk-based capital ratio | 27.4752% | 742 |
| Memoranda: | ||
| Average total assets | $62,297,750 | 6,182 |
| Average earning assets | $52,616,750 | 6,345 |
| Average equity | $9,451,000 | 5,361 |
| Average total loans | $18,290,750 | 7,107 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2166% | 7,154 |
| Cost of funding earning assets | 1.0823% | 5,769 |
| Net interest margin | 3.1343% | 6,510 |
| Noninterest income to average assets | 0.4473% | 4,544 |
| Noninterest expense to average assets | 2.1231% | 6,833 |
| Loan and lease loss provision to assets | 0.0162% | 6,758 |
| Net operating income to assets | 1.0048% | 2,175 |
| Return on assets (ROA) | 1.0048% | 2,255 |
| Pretax return on assets | 1.0113% | 3,075 |
| Return on Equity (ROE) | 6.6037% | 3,496 |
| Retained earnings to average equity (ytd only) | 6.0498% | 2,310 |
| Net charge-offs to loans | -0.1091% | 7,566 |
| Credit loss provision to net charge-offs | -50.0000% | 6,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3868% | 4,694 |
| Assets per employee ($millions) | 5.2427% | 1,876 |
| Cash dividends to net income (ytd only)* | 8.3871% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9336% | 6,650 |
| Loan loss allowance to noncurrent loans | 55.7823% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 0.6597% | 5,843 |
| Noncurrent loans to loans | 1.6737% | 4,182 |
| Net loans and leases to total assets | 27.6609% | 7,586 |
| Net loans and leases to deposits | 32.6945% | 7,599 |
| Net loans and leases to core deposits | 34.0248% | 7,600 |
| Total domestic deposits to total assets | 84.6039% | 3,816 |
| Equity capital to assets | 15.1450% | 848 |
| Core capital (leverage) ratio | 15.1204% | 704 |
| Tier 1 risk-based capital ratio | 27.9577% | 631 |
| Total risk-based capital ratio | 28.4390% | 672 |
| Memoranda: | ||
| Average total assets | $61,702,000 | 6,245 |
| Average earning assets | $53,218,330 | 6,358 |
| Average equity | $9,388,670 | 5,382 |
| Average total loans | $18,333,000 | 7,157 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1878% | 7,279 |
| Cost of funding earning assets | 1.0599% | 6,089 |
| Net interest margin | 3.1279% | 6,525 |
| Noninterest income to average assets | 0.3601% | 5,258 |
| Noninterest expense to average assets | 2.0557% | 7,046 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0672% | 1,943 |
| Return on assets (ROA) | 1.0672% | 2,017 |
| Pretax return on assets | 1.0672% | 2,851 |
| Return on Equity (ROE) | 6.9965% | 3,342 |
| Retained earnings to average equity (ytd only) | 6.4385% | 2,382 |
| Net charge-offs to loans | -0.1923% | 7,667 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8281% | 5,157 |
| Assets per employee ($millions) | 5.6795% | 1,509 |
| Cash dividends to net income (ytd only)* | 7.9755% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8648% | 6,941 |
| Loan loss allowance to noncurrent loans | 63.4538% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 0.5858% | 6,048 |
| Noncurrent loans to loans | 1.3628% | 4,699 |
| Net loans and leases to total assets | 28.9929% | 7,650 |
| Net loans and leases to deposits | 34.2304% | 7,657 |
| Net loans and leases to core deposits | 35.5345% | 7,658 |
| Total domestic deposits to total assets | 84.6992% | 3,811 |
| Equity capital to assets | 15.0367% | 876 |
| Core capital (leverage) ratio | 15.2589% | 699 |
| Tier 1 risk-based capital ratio | 28.8833% | 587 |
| Total risk-based capital ratio | 29.3691% | 618 |
| Memoranda: | ||
| Average total assets | $61,097,000 | 6,344 |
| Average earning assets | $53,966,500 | 6,392 |
| Average equity | $9,319,000 | 5,448 |
| Average total loans | $18,716,500 | 7,228 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5389% | 7,348 |
| Cost of funding earning assets | 1.1286% | 6,888 |
| Net interest margin | 3.4104% | 5,327 |
| Noninterest income to average assets | 0.4747% | 4,615 |
| Noninterest expense to average assets | 2.5220% | 6,049 |
| Loan and lease loss provision to assets | 0.0259% | 7,253 |
| Net operating income to assets | 1.0219% | 1,770 |
| Return on assets (ROA) | 1.0219% | 1,812 |
| Pretax return on assets | 1.0254% | 2,505 |
| Return on Equity (ROE) | 6.4162% | 3,027 |
| Retained earnings to average equity (ytd only) | 2.6987% | 3,264 |
| Net charge-offs to loans | 0.7599% | 2,923 |
| Credit loss provision to net charge-offs | 10.1351% | 6,971 |
| Earnings coverage of net charge-offs (x) | 4.1149% | 3,056 |
| Efficiency ratio | 70.5797% | 4,511 |
| Assets per employee ($millions) | 5.4291% | 1,712 |
| Cash dividends to net income (ytd only)* | 57.9392% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7776% | 7,193 |
| Loan loss allowance to noncurrent loans | 35.3919% | 6,076 |
| Noncurrent assets plus other real estate owned to assets | 0.7050% | 5,698 |
| Noncurrent loans to loans | 2.1971% | 3,390 |
| Net loans and leases to total assets | 31.8369% | 7,664 |
| Net loans and leases to deposits | 37.7879% | 7,685 |
| Net loans and leases to core deposits | 39.8704% | 7,756 |
| Total domestic deposits to total assets | 84.2515% | 3,918 |
| Equity capital to assets | 15.4789% | 796 |
| Core capital (leverage) ratio | 15.4275% | 705 |
| Tier 1 risk-based capital ratio | 29.4105% | 559 |
| Total risk-based capital ratio | 29.8845% | 584 |
| Memoranda: | ||
| Average total assets | $57,930,400 | 6,435 |
| Average earning assets | $52,633,600 | 6,429 |
| Average equity | $9,226,600 | 5,540 |
| Average total loans | $19,477,400 | 7,228 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5759% | 7,443 |
| Cost of funding earning assets | 1.1421% | 7,060 |
| Net interest margin | 3.4338% | 5,136 |
| Noninterest income to average assets | 0.4894% | 4,587 |
| Noninterest expense to average assets | 2.3450% | 6,573 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2711% | 1,284 |
| Return on assets (ROA) | 1.2711% | 1,356 |
| Pretax return on assets | 1.2757% | 2,023 |
| Return on Equity (ROE) | 7.9227% | 2,674 |
| Retained earnings to average equity (ytd only) | 6.2167% | 1,844 |
| Net charge-offs to loans | 1.0158% | 1,940 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 3.6913% | 3,418 |
| Efficiency ratio | 64.7662% | 5,599 |
| Assets per employee ($millions) | 4.9153% | 2,252 |
| Cash dividends to net income (ytd only)* | 21.5329% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6812% | 7,414 |
| Loan loss allowance to noncurrent loans | 39.9399% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 0.5646% | 6,044 |
| Noncurrent loans to loans | 1.7055% | 4,083 |
| Net loans and leases to total assets | 32.8767% | 7,720 |
| Net loans and leases to deposits | 39.2646% | 7,756 |
| Net loans and leases to core deposits | 41.4944% | 7,836 |
| Total domestic deposits to total assets | 83.7312% | 3,846 |
| Equity capital to assets | 15.9789% | 794 |
| Core capital (leverage) ratio | 16.0631% | 667 |
| Tier 1 risk-based capital ratio | 30.1716% | 555 |
| Total risk-based capital ratio | 30.5973% | 595 |
| Memoranda: | ||
| Average total assets | $57,483,000 | 6,489 |
| Average earning assets | $52,418,500 | 6,479 |
| Average equity | $9,222,250 | 5,582 |
| Average total loans | $19,556,250 | 7,285 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6882% | 7,408 |
| Cost of funding earning assets | 1.1672% | 7,198 |
| Net interest margin | 3.5209% | 4,697 |
| Noninterest income to average assets | 0.4773% | 4,650 |
| Noninterest expense to average assets | 2.3095% | 6,734 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3688% | 1,086 |
| Return on assets (ROA) | 1.3688% | 1,154 |
| Pretax return on assets | 1.3759% | 1,799 |
| Return on Equity (ROE) | 8.5202% | 2,563 |
| Retained earnings to average equity (ytd only) | 6.7943% | 1,666 |
| Net charge-offs to loans | 0.4804% | 2,911 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 8.3404% | 2,275 |
| Efficiency ratio | 62.6667% | 6,146 |
| Assets per employee ($millions) | 4.8473% | 2,262 |
| Cash dividends to net income (ytd only)* | 20.2564% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 4,992 |
| Loan loss allowance to noncurrent loans | 48.7552% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 0.8286% | 5,329 |
| Noncurrent loans to loans | 2.4478% | 2,948 |
| Net loans and leases to total assets | 33.4479% | 7,794 |
| Net loans and leases to deposits | 39.9499% | 7,817 |
| Net loans and leases to core deposits | 42.0980% | 7,906 |
| Total domestic deposits to total assets | 83.7247% | 3,907 |
| Equity capital to assets | 16.0002% | 824 |
| Core capital (leverage) ratio | 16.0496% | 737 |
| Tier 1 risk-based capital ratio | 31.1073% | 535 |
| Total risk-based capital ratio | 31.8928% | 550 |
| Memoranda: | ||
| Average total assets | $56,982,670 | 6,557 |
| Average earning assets | $51,918,000 | 6,557 |
| Average equity | $9,154,670 | 5,629 |
| Average total loans | $19,566,670 | 7,353 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7837% | 7,393 |
| Cost of funding earning assets | 1.2134% | 7,271 |
| Net interest margin | 3.5703% | 4,453 |
| Noninterest income to average assets | 0.4043% | 5,182 |
| Noninterest expense to average assets | 2.1919% | 6,892 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4613% | 1,013 |
| Return on assets (ROA) | 1.4613% | 1,089 |
| Pretax return on assets | 1.4683% | 1,761 |
| Return on Equity (ROE) | 9.0764% | 2,680 |
| Retained earnings to average equity (ytd only) | 7.3140% | 2,093 |
| Net charge-offs to loans | 0.2256% | 3,288 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 18.8182% | 1,445 |
| Efficiency ratio | 59.8837% | 6,423 |
| Assets per employee ($millions) | 5.1115% | 1,946 |
| Cash dividends to net income (ytd only)* | 19.4175% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3908% | 3,552 |
| Loan loss allowance to noncurrent loans | 56.3410% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 0.8555% | 5,057 |
| Noncurrent loans to loans | 2.4686% | 2,668 |
| Net loans and leases to total assets | 34.1728% | 7,799 |
| Net loans and leases to deposits | 40.9706% | 7,812 |
| Net loans and leases to core deposits | 43.2504% | 7,917 |
| Total domestic deposits to total assets | 83.4080% | 3,950 |
| Equity capital to assets | 16.2950% | 825 |
| Core capital (leverage) ratio | 16.3482% | 735 |
| Tier 1 risk-based capital ratio | 30.9245% | 585 |
| Total risk-based capital ratio | 31.8392% | 580 |
| Memoranda: | ||
| Average total assets | $56,390,000 | 6,615 |
| Average earning assets | $51,424,500 | 6,599 |
| Average equity | $9,078,500 | 5,681 |
| Average total loans | $19,504,500 | 7,406 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9814% | 7,849 |
| Cost of funding earning assets | 1.3347% | 7,806 |
| Net interest margin | 3.6467% | 4,693 |
| Noninterest income to average assets | 0.4919% | 4,670 |
| Noninterest expense to average assets | 2.4611% | 6,166 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4159% | 1,193 |
| Return on assets (ROA) | 1.4159% | 1,148 |
| Pretax return on assets | 1.4249% | 1,891 |
| Return on Equity (ROE) | 8.8132% | 2,708 |
| Retained earnings to average equity (ytd only) | 4.2772% | 2,457 |
| Net charge-offs to loans | 0.2758% | 3,560 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 14.5926% | 2,025 |
| Efficiency ratio | 63.3318% | 5,704 |
| Assets per employee ($millions) | 4.7128% | 2,305 |
| Cash dividends to net income (ytd only)* | 51.4687% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4444% | 2,953 |
| Loan loss allowance to noncurrent loans | 118.9873% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.4191% | 5,960 |
| Noncurrent loans to loans | 1.2139% | 4,090 |
| Net loans and leases to total assets | 34.0241% | 7,890 |
| Net loans and leases to deposits | 41.2476% | 7,917 |
| Net loans and leases to core deposits | 43.3583% | 8,004 |
| Total domestic deposits to total assets | 82.4875% | 4,002 |
| Equity capital to assets | 15.9052% | 959 |
| Core capital (leverage) ratio | 15.8650% | 850 |
| Tier 1 risk-based capital ratio | 30.0806% | 642 |
| Total risk-based capital ratio | 31.0236% | 633 |
| Memoranda: | ||
| Average total assets | $55,300,600 | 6,561 |
| Average earning assets | $51,471,800 | 6,528 |
| Average equity | $8,884,400 | 5,778 |
| Average total loans | $19,578,000 | 7,357 |