Home > Root River State Bank > Performance and Condition Ratios
Root River State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4411% | 4,415 |
| Cost of funding earning assets | 1.1327% | 2,979 |
| Net interest margin | 2.3084% | 4,254 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.1174% | 3,365 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1647% | 4,201 |
| Return on assets (ROA) | 0.1647% | 4,222 |
| Pretax return on assets | 0.1542% | 4,234 |
| Return on Equity (ROE) | 3.2100% | 3,990 |
| Retained earnings to average equity (ytd only) | -3.0080% | 4,331 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 93.0683% | 327 |
| Assets per employee ($millions) | 8.5471% | 1,162 |
| Cash dividends to net income (ytd only)* | 193.6620% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8071% | 3,949 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 35.8000% | 4,165 |
| Net loans and leases to deposits | 37.9995% | 4,242 |
| Net loans and leases to core deposits | 41.1835% | 4,269 |
| Total domestic deposits to total assets | 94.2200% | 94 |
| Equity capital to assets | 5.5715% | 4,324 |
| Core capital (leverage) ratio | 9.7788% | 2,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8182% | 706 |
| Memoranda: | ||
| Average total assets | $86,237,000 | 3,959 |
| Average earning assets | $79,103,600 | 3,939 |
| Average equity | $4,421,600 | 4,313 |
| Average total loans | $31,309,200 | 4,123 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4048% | 4,415 |
| Cost of funding earning assets | 1.0012% | 3,036 |
| Net interest margin | 2.4036% | 4,227 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 2.1212% | 3,302 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2237% | 4,207 |
| Return on assets (ROA) | 0.2237% | 4,220 |
| Pretax return on assets | 0.2329% | 4,217 |
| Return on Equity (ROE) | 4.4600% | 3,908 |
| Retained earnings to average equity (ytd only) | -0.1537% | 4,167 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 89.9281% | 378 |
| Assets per employee ($millions) | 8.4767% | 1,128 |
| Cash dividends to net income (ytd only)* | 103.4483% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8033% | 3,974 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 36.2700% | 4,172 |
| Net loans and leases to deposits | 38.0670% | 4,253 |
| Net loans and leases to core deposits | 41.2229% | 4,234 |
| Total domestic deposits to total assets | 95.2900% | 107 |
| Equity capital to assets | 4.4038% | 4,347 |
| Core capital (leverage) ratio | 9.7636% | 3,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1775% | 684 |
| Memoranda: | ||
| Average total assets | $86,428,500 | 3,971 |
| Average earning assets | $79,101,500 | 3,958 |
| Average equity | $4,336,500 | 4,325 |
| Average total loans | $31,424,000 | 4,141 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3789% | 4,428 |
| Cost of funding earning assets | 0.9014% | 2,924 |
| Net interest margin | 2.4775% | 4,230 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 2.1315% | 3,266 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2621% | 4,213 |
| Return on assets (ROA) | 0.2621% | 4,236 |
| Pretax return on assets | 0.2828% | 4,248 |
| Return on Equity (ROE) | 5.0200% | 3,870 |
| Retained earnings to average equity (ytd only) | -1.5867% | 4,263 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 88.1179% | 422 |
| Assets per employee ($millions) | 8.5934% | 1,050 |
| Cash dividends to net income (ytd only)* | 131.5789% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7826% | 4,055 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 36.7400% | 4,154 |
| Net loans and leases to deposits | 39.0345% | 4,232 |
| Net loans and leases to core deposits | 41.0459% | 4,237 |
| Total domestic deposits to total assets | 94.1100% | 147 |
| Equity capital to assets | 5.0818% | 4,370 |
| Core capital (leverage) ratio | 9.7169% | 3,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2837% | 687 |
| Memoranda: | ||
| Average total assets | $86,982,333 | 3,979 |
| Average earning assets | $79,435,000 | 3,976 |
| Average equity | $4,537,667 | 4,339 |
| Average total loans | $31,566,000 | 4,148 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3118% | 4,426 |
| Cost of funding earning assets | 0.7778% | 2,812 |
| Net interest margin | 2.5340% | 4,271 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.0433% | 3,511 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3565% | 4,160 |
| Return on assets (ROA) | 0.3565% | 4,114 |
| Pretax return on assets | 0.4205% | 4,104 |
| Return on Equity (ROE) | 6.7500% | 3,576 |
| Retained earnings to average equity (ytd only) | 6.7489% | 2,569 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.9314% | 650 |
| Assets per employee ($millions) | 8.6388% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7974% | 4,090 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 35.8600% | 4,196 |
| Net loans and leases to deposits | 38.1392% | 4,276 |
| Net loans and leases to core deposits | 40.0877% | 4,269 |
| Total domestic deposits to total assets | 94.0200% | 166 |
| Equity capital to assets | 5.7126% | 4,285 |
| Core capital (leverage) ratio | 10.1568% | 2,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4821% | 700 |
| Memoranda: | ||
| Average total assets | $87,506,500 | 4,023 |
| Average earning assets | $79,714,500 | 4,020 |
| Average equity | $4,623,000 | 4,390 |
| Average total loans | $31,440,500 | 4,202 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8046% | 4,320 |
| Cost of funding earning assets | 0.4019% | 2,082 |
| Net interest margin | 2.4027% | 4,357 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 2.0760% | 3,365 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2738% | 4,390 |
| Return on assets (ROA) | 0.2738% | 4,367 |
| Pretax return on assets | 0.3004% | 4,379 |
| Return on Equity (ROE) | 4.1600% | 4,137 |
| Retained earnings to average equity (ytd only) | 4.1572% | 3,342 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 87.3602% | 381 |
| Assets per employee ($millions) | 9.8472% | 706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8024% | 4,023 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 35.4300% | 4,240 |
| Net loans and leases to deposits | 37.2951% | 4,314 |
| Net loans and leases to core deposits | 38.8828% | 4,304 |
| Total domestic deposits to total assets | 95.0000% | 140 |
| Equity capital to assets | 4.8643% | 4,393 |
| Core capital (leverage) ratio | 10.3576% | 2,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0247% | 715 |
| Memoranda: | ||
| Average total assets | $86,562,200 | 4,056 |
| Average earning assets | $80,118,800 | 4,033 |
| Average equity | $5,701,000 | 4,361 |
| Average total loans | $29,934,600 | 4,244 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7072% | 4,290 |
| Cost of funding earning assets | 0.3621% | 1,599 |
| Net interest margin | 2.3451% | 4,375 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 2.0949% | 3,221 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2371% | 4,438 |
| Return on assets (ROA) | 0.2371% | 4,402 |
| Pretax return on assets | 0.2479% | 4,424 |
| Return on Equity (ROE) | 3.3700% | 4,254 |
| Retained earnings to average equity (ytd only) | 3.3727% | 3,679 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.4180% | 336 |
| Assets per employee ($millions) | 8.4942% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8057% | 4,083 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 36.8100% | 4,192 |
| Net loans and leases to deposits | 38.7206% | 4,283 |
| Net loans and leases to core deposits | 39.4699% | 4,291 |
| Total domestic deposits to total assets | 95.0700% | 210 |
| Equity capital to assets | 4.7220% | 4,349 |
| Core capital (leverage) ratio | 9.9352% | 2,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0245% | 729 |
| Memoranda: | ||
| Average total assets | $86,046,500 | 4,090 |
| Average earning assets | $80,277,500 | 4,062 |
| Average equity | $6,048,500 | 4,368 |
| Average total loans | $29,504,500 | 4,273 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5659% | 4,310 |
| Cost of funding earning assets | 0.3387% | 1,379 |
| Net interest margin | 2.2273% | 4,400 |
| Noninterest income to average assets | 0.1528% | 4,245 |
| Noninterest expense to average assets | 2.0807% | 3,203 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1713% | 4,456 |
| Return on assets (ROA) | 0.1713% | 4,419 |
| Pretax return on assets | 0.1574% | 4,446 |
| Return on Equity (ROE) | 2.1999% | 4,327 |
| Retained earnings to average equity (ytd only) | 2.1999% | 3,692 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9679% | 325 |
| Assets per employee ($millions) | 8.8536% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8450% | 4,093 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 33.6631% | 4,348 |
| Net loans and leases to deposits | 35.7980% | 4,396 |
| Net loans and leases to core deposits | 36.4678% | 4,420 |
| Total domestic deposits to total assets | 94.0363% | 277 |
| Equity capital to assets | 5.8552% | 4,253 |
| Core capital (leverage) ratio | 9.8950% | 2,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2998% | 680 |
| Memoranda: | ||
| Average total assets | $86,414,667 | 4,123 |
| Average earning assets | $80,906,667 | 4,109 |
| Average equity | $6,727,667 | 4,348 |
| Average total loans | $28,831,333 | 4,345 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4585% | 4,319 |
| Cost of funding earning assets | 0.3235% | 1,429 |
| Net interest margin | 2.1350% | 4,413 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 2.1651% | 2,934 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0562% | 4,509 |
| Return on assets (ROA) | 0.0562% | 4,486 |
| Pretax return on assets | -0.0047% | 4,522 |
| Return on Equity (ROE) | 0.6400% | 4,469 |
| Retained earnings to average equity (ytd only) | 0.6400% | 3,890 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2169% | 242 |
| Assets per employee ($millions) | 8.7378% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9137% | 4,004 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 31.5240% | 4,401 |
| Net loans and leases to deposits | 34.1677% | 4,441 |
| Net loans and leases to core deposits | 34.8261% | 4,463 |
| Total domestic deposits to total assets | 92.2624% | 482 |
| Equity capital to assets | 7.5763% | 3,875 |
| Core capital (leverage) ratio | 10.0341% | 2,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4201% | 607 |
| Memoranda: | ||
| Average total assets | $85,354,000 | 4,157 |
| Average earning assets | $80,375,000 | 4,134 |
| Average equity | $7,499,500 | 4,316 |
| Average total loans | $28,218,000 | 4,368 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8075% | 4,197 |
| Cost of funding earning assets | 0.3394% | 2,029 |
| Net interest margin | 2.4682% | 4,233 |
| Noninterest income to average assets | 0.1545% | 4,377 |
| Noninterest expense to average assets | 2.2051% | 3,069 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2497% | 4,482 |
| Return on assets (ROA) | 0.3091% | 4,433 |
| Pretax return on assets | 0.3324% | 4,456 |
| Return on Equity (ROE) | 2.9295% | 4,369 |
| Retained earnings to average equity (ytd only) | 1.3252% | 4,167 |
| Net charge-offs to loans | -0.0068% | 3,629 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1423% | 354 |
| Assets per employee ($millions) | 8.3330% | 1,153 |
| Cash dividends to net income (ytd only)* | 54.7619% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8870% | 4,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 34.0610% | 4,372 |
| Net loans and leases to deposits | 37.8895% | 4,410 |
| Net loans and leases to core deposits | 38.6737% | 4,433 |
| Total domestic deposits to total assets | 89.8956% | 1,006 |
| Equity capital to assets | 10.0552% | 2,605 |
| Core capital (leverage) ratio | 10.2909% | 2,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0726% | 553 |
| Memoranda: | ||
| Average total assets | $81,540,000 | 4,191 |
| Average earning assets | $76,615,400 | 4,176 |
| Average equity | $8,602,200 | 4,278 |
| Average total loans | $29,404,800 | 4,388 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9041% | 4,168 |
| Cost of funding earning assets | 0.3357% | 2,244 |
| Net interest margin | 2.5684% | 4,181 |
| Noninterest income to average assets | 0.1546% | 4,423 |
| Noninterest expense to average assets | 2.2048% | 3,054 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3194% | 4,491 |
| Return on assets (ROA) | 0.3946% | 4,415 |
| Pretax return on assets | 0.4505% | 4,429 |
| Return on Equity (ROE) | 3.6959% | 4,350 |
| Retained earnings to average equity (ytd only) | 3.6959% | 3,679 |
| Net charge-offs to loans | -0.0090% | 3,632 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7965% | 441 |
| Assets per employee ($millions) | 8.2106% | 1,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8764% | 4,214 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 34.9901% | 4,431 |
| Net loans and leases to deposits | 39.2569% | 4,480 |
| Net loans and leases to core deposits | 40.2384% | 4,506 |
| Total domestic deposits to total assets | 89.1311% | 1,209 |
| Equity capital to assets | 10.6277% | 2,340 |
| Core capital (leverage) ratio | 10.5861% | 1,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9284% | 609 |
| Memoranda: | ||
| Average total assets | $81,092,500 | 4,250 |
| Average earning assets | $76,257,750 | 4,233 |
| Average equity | $8,658,000 | 4,336 |
| Average total loans | $29,596,750 | 4,442 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0464% | 3,963 |
| Cost of funding earning assets | 0.3326% | 2,468 |
| Net interest margin | 2.7138% | 3,951 |
| Noninterest income to average assets | 0.1536% | 4,430 |
| Noninterest expense to average assets | 2.2562% | 2,897 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3865% | 4,410 |
| Return on assets (ROA) | 0.4037% | 4,418 |
| Pretax return on assets | 0.4631% | 4,439 |
| Return on Equity (ROE) | 3.7752% | 4,369 |
| Retained earnings to average equity (ytd only) | 3.7752% | 3,588 |
| Net charge-offs to loans | -0.0067% | 3,525 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5780% | 574 |
| Assets per employee ($millions) | 8.1421% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8662% | 4,245 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 35.5621% | 4,474 |
| Net loans and leases to deposits | 39.8807% | 4,524 |
| Net loans and leases to core deposits | 40.8830% | 4,559 |
| Total domestic deposits to total assets | 89.1711% | 1,192 |
| Equity capital to assets | 10.6570% | 2,265 |
| Core capital (leverage) ratio | 10.3968% | 2,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8216% | 627 |
| Memoranda: | ||
| Average total assets | $80,754,667 | 4,277 |
| Average earning assets | $75,761,000 | 4,264 |
| Average equity | $8,635,333 | 4,359 |
| Average total loans | $29,801,333 | 4,471 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2777% | 3,510 |
| Cost of funding earning assets | 0.3400% | 2,622 |
| Net interest margin | 2.9377% | 3,414 |
| Noninterest income to average assets | 0.1492% | 4,454 |
| Noninterest expense to average assets | 2.2879% | 2,829 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5073% | 4,163 |
| Return on assets (ROA) | 0.5073% | 4,201 |
| Pretax return on assets | 0.6118% | 4,177 |
| Return on Equity (ROE) | 4.7362% | 4,142 |
| Retained earnings to average equity (ytd only) | 4.7362% | 3,304 |
| Net charge-offs to loans | -0.0133% | 3,801 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9022% | 901 |
| Assets per employee ($millions) | 8.0771% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8573% | 4,280 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 36.2222% | 4,492 |
| Net loans and leases to deposits | 40.5424% | 4,545 |
| Net loans and leases to core deposits | 41.5765% | 4,575 |
| Total domestic deposits to total assets | 89.3439% | 1,149 |
| Equity capital to assets | 10.4580% | 2,307 |
| Core capital (leverage) ratio | 10.6495% | 1,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4957% | 626 |
| Memoranda: | ||
| Average total assets | $80,421,500 | 4,301 |
| Average earning assets | $75,296,500 | 4,287 |
| Average equity | $8,614,500 | 4,374 |
| Average total loans | $30,098,000 | 4,489 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2437% | 4,401 |
| Cost of funding earning assets | 0.4340% | 3,383 |
| Net interest margin | 2.8097% | 4,249 |
| Noninterest income to average assets | 0.1626% | 4,481 |
| Noninterest expense to average assets | 2.3389% | 3,301 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4079% | 4,229 |
| Return on assets (ROA) | 0.4079% | 4,308 |
| Pretax return on assets | 0.4553% | 4,344 |
| Return on Equity (ROE) | 3.4640% | 4,274 |
| Retained earnings to average equity (ytd only) | -0.9092% | 4,630 |
| Net charge-offs to loans | -0.0062% | 4,179 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7051% | 654 |
| Assets per employee ($millions) | 8.0072% | 1,034 |
| Cash dividends to net income (ytd only)* | 126.2458% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8212% | 4,381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 38.0083% | 4,520 |
| Net loans and leases to deposits | 42.8503% | 4,560 |
| Net loans and leases to core deposits | 43.9575% | 4,602 |
| Total domestic deposits to total assets | 88.7002% | 1,122 |
| Equity capital to assets | 10.9676% | 2,280 |
| Core capital (leverage) ratio | 10.7618% | 1,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2832% | 641 |
| Memoranda: | ||
| Average total assets | $73,795,800 | 4,327 |
| Average earning assets | $69,118,600 | 4,307 |
| Average equity | $8,689,400 | 4,351 |
| Average total loans | $32,424,800 | 4,472 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3749% | 4,381 |
| Cost of funding earning assets | 0.4518% | 3,520 |
| Net interest margin | 2.9231% | 4,138 |
| Noninterest income to average assets | 0.1551% | 4,516 |
| Noninterest expense to average assets | 2.4035% | 3,124 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4375% | 4,191 |
| Return on assets (ROA) | 0.4375% | 4,257 |
| Pretax return on assets | 0.4984% | 4,280 |
| Return on Equity (ROE) | 3.6462% | 4,258 |
| Retained earnings to average equity (ytd only) | 0.7231% | 4,329 |
| Net charge-offs to loans | -0.0081% | 4,172 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8244% | 685 |
| Assets per employee ($millions) | 8.5263% | 837 |
| Cash dividends to net income (ytd only)* | 80.1688% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7663% | 4,441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 42.5245% | 4,479 |
| Net loans and leases to deposits | 48.3717% | 4,541 |
| Net loans and leases to core deposits | 49.3998% | 4,593 |
| Total domestic deposits to total assets | 87.9120% | 1,258 |
| Equity capital to assets | 11.6306% | 1,916 |
| Core capital (leverage) ratio | 11.4056% | 1,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1711% | 657 |
| Memoranda: | ||
| Average total assets | $72,226,750 | 4,360 |
| Average earning assets | $67,871,000 | 4,335 |
| Average equity | $8,666,250 | 4,370 |
| Average total loans | $32,859,500 | 4,490 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5635% | 4,322 |
| Cost of funding earning assets | 0.4751% | 3,679 |
| Net interest margin | 3.0884% | 3,926 |
| Noninterest income to average assets | 0.1584% | 4,502 |
| Noninterest expense to average assets | 2.4857% | 3,001 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4921% | 4,041 |
| Return on assets (ROA) | 0.4921% | 4,114 |
| Pretax return on assets | 0.5769% | 4,104 |
| Return on Equity (ROE) | 4.0559% | 4,085 |
| Retained earnings to average equity (ytd only) | -0.3730% | 4,379 |
| Net charge-offs to loans | -0.0061% | 4,071 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1634% | 807 |
| Assets per employee ($millions) | 7.4900% | 1,185 |
| Cash dividends to net income (ytd only)* | 109.1954% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7472% | 4,470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 44.5154% | 4,429 |
| Net loans and leases to deposits | 50.6848% | 4,505 |
| Net loans and leases to core deposits | 51.7854% | 4,575 |
| Total domestic deposits to total assets | 87.8278% | 1,272 |
| Equity capital to assets | 11.8144% | 1,775 |
| Core capital (leverage) ratio | 11.8911% | 1,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0465% | 576 |
| Memoranda: | ||
| Average total assets | $70,723,333 | 4,391 |
| Average earning assets | $66,507,667 | 4,365 |
| Average equity | $8,580,000 | 4,396 |
| Average total loans | $32,851,333 | 4,512 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4003% | 4,733 |
| Cost of funding earning assets | 0.5088% | 3,901 |
| Net interest margin | 2.8915% | 4,444 |
| Noninterest income to average assets | 0.1690% | 4,522 |
| Noninterest expense to average assets | 2.6051% | 2,968 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2797% | 4,387 |
| Return on assets (ROA) | 0.2797% | 4,406 |
| Pretax return on assets | 0.2797% | 4,481 |
| Return on Equity (ROE) | 2.2734% | 4,390 |
| Retained earnings to average equity (ytd only) | -6.7255% | 4,634 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3030% | 486 |
| Assets per employee ($millions) | 6.7625% | 1,197 |
| Cash dividends to net income (ytd only)* | 395.8333% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7762% | 4,457 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 47.2591% | 4,375 |
| Net loans and leases to deposits | 53.9374% | 4,447 |
| Net loans and leases to core deposits | 54.9823% | 4,533 |
| Total domestic deposits to total assets | 87.6185% | 1,264 |
| Equity capital to assets | 12.1982% | 1,925 |
| Core capital (leverage) ratio | 11.9670% | 1,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,635,000 | 4,434 |
| Average earning assets | $64,465,000 | 4,412 |
| Average equity | $8,445,500 | 4,433 |
| Average total loans | $32,480,500 | 4,545 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5045% | 4,854 |
| Cost of funding earning assets | 0.5115% | 4,037 |
| Net interest margin | 2.9930% | 4,521 |
| Noninterest income to average assets | 0.1823% | 4,576 |
| Noninterest expense to average assets | 2.4962% | 3,459 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4283% | 4,548 |
| Return on assets (ROA) | 0.4283% | 4,575 |
| Pretax return on assets | 0.4804% | 4,605 |
| Return on Equity (ROE) | 3.4653% | 4,583 |
| Retained earnings to average equity (ytd only) | 1.1356% | 4,340 |
| Net charge-offs to loans | -0.0086% | 4,430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8600% | 662 |
| Assets per employee ($millions) | 6.9645% | 1,050 |
| Cash dividends to net income (ytd only)* | 67.2297% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7633% | 4,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 46.6681% | 4,494 |
| Net loans and leases to deposits | 53.4186% | 4,557 |
| Net loans and leases to core deposits | 54.4212% | 4,635 |
| Total domestic deposits to total assets | 87.3631% | 1,425 |
| Equity capital to assets | 12.4086% | 1,880 |
| Core capital (leverage) ratio | 12.3090% | 1,588 |
| Tier 1 risk-based capital ratio | 21.6669% | 1,065 |
| Total risk-based capital ratio | 22.3037% | 1,130 |
| Memoranda: | ||
| Average total assets | $69,105,400 | 4,446 |
| Average earning assets | $64,517,800 | 4,429 |
| Average equity | $8,541,800 | 4,440 |
| Average total loans | $34,729,800 | 4,543 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5146% | 4,951 |
| Cost of funding earning assets | 0.5056% | 4,117 |
| Net interest margin | 3.0089% | 4,609 |
| Noninterest income to average assets | 0.1836% | 4,622 |
| Noninterest expense to average assets | 2.5092% | 3,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4292% | 4,665 |
| Return on assets (ROA) | 0.4292% | 4,697 |
| Pretax return on assets | 0.4814% | 4,719 |
| Return on Equity (ROE) | 3.4754% | 4,684 |
| Retained earnings to average equity (ytd only) | 0.3601% | 4,695 |
| Net charge-offs to loans | -0.0076% | 4,310 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9043% | 618 |
| Assets per employee ($millions) | 6.9256% | 1,049 |
| Cash dividends to net income (ytd only)* | 89.6415% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7166% | 4,616 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 49.8152% | 4,435 |
| Net loans and leases to deposits | 57.0861% | 4,510 |
| Net loans and leases to core deposits | 58.1601% | 4,598 |
| Total domestic deposits to total assets | 87.2632% | 1,399 |
| Equity capital to assets | 12.4307% | 1,964 |
| Core capital (leverage) ratio | 12.3890% | 1,631 |
| Tier 1 risk-based capital ratio | 21.1758% | 1,174 |
| Total risk-based capital ratio | 21.7955% | 1,245 |
| Memoranda: | ||
| Average total assets | $68,970,500 | 4,498 |
| Average earning assets | $64,340,250 | 4,485 |
| Average equity | $8,516,750 | 4,494 |
| Average total loans | $35,224,250 | 4,588 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4680% | 5,030 |
| Cost of funding earning assets | 0.4963% | 4,131 |
| Net interest margin | 2.9717% | 4,730 |
| Noninterest income to average assets | 0.1829% | 4,651 |
| Noninterest expense to average assets | 2.5147% | 3,429 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4036% | 4,731 |
| Return on assets (ROA) | 0.4036% | 4,752 |
| Pretax return on assets | 0.4501% | 4,765 |
| Return on Equity (ROE) | 3.2760% | 4,730 |
| Retained earnings to average equity (ytd only) | 3.2760% | 3,585 |
| Net charge-offs to loans | -0.0057% | 4,162 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8188% | 602 |
| Assets per employee ($millions) | 6.8632% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7075% | 4,701 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 50.9165% | 4,415 |
| Net loans and leases to deposits | 58.4208% | 4,497 |
| Net loans and leases to core deposits | 59.5264% | 4,590 |
| Total domestic deposits to total assets | 87.1547% | 1,514 |
| Equity capital to assets | 12.6617% | 1,770 |
| Core capital (leverage) ratio | 12.3914% | 1,593 |
| Tier 1 risk-based capital ratio | 21.2950% | 1,142 |
| Total risk-based capital ratio | 21.9067% | 1,198 |
| Memoranda: | ||
| Average total assets | $68,875,330 | 4,537 |
| Average earning assets | $64,475,330 | 4,515 |
| Average equity | $8,486,000 | 4,522 |
| Average total loans | $35,382,670 | 4,613 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3893% | 5,119 |
| Cost of funding earning assets | 0.4771% | 4,173 |
| Net interest margin | 2.9122% | 4,865 |
| Noninterest income to average assets | 0.1797% | 4,672 |
| Noninterest expense to average assets | 2.4697% | 3,586 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3942% | 4,746 |
| Return on assets (ROA) | 0.3942% | 4,759 |
| Pretax return on assets | 0.4348% | 4,795 |
| Return on Equity (ROE) | 3.2443% | 4,731 |
| Retained earnings to average equity (ytd only) | 3.2443% | 3,626 |
| Net charge-offs to loans | -0.0113% | 4,266 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0299% | 642 |
| Assets per employee ($millions) | 6.9307% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7037% | 4,773 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 50.4942% | 4,435 |
| Net loans and leases to deposits | 57.6626% | 4,522 |
| Net loans and leases to core deposits | 58.7566% | 4,614 |
| Total domestic deposits to total assets | 87.5684% | 1,537 |
| Equity capital to assets | 12.2571% | 1,871 |
| Core capital (leverage) ratio | 12.5067% | 1,509 |
| Tier 1 risk-based capital ratio | 20.3292% | 1,277 |
| Total risk-based capital ratio | 20.9260% | 1,382 |
| Memoranda: | ||
| Average total assets | $68,997,000 | 4,587 |
| Average earning assets | $64,556,500 | 4,572 |
| Average equity | $8,384,000 | 4,558 |
| Average total loans | $35,477,000 | 4,652 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3990% | 5,007 |
| Cost of funding earning assets | 0.3523% | 4,272 |
| Net interest margin | 3.0467% | 4,738 |
| Noninterest income to average assets | 0.1807% | 4,824 |
| Noninterest expense to average assets | 2.5807% | 3,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4083% | 4,847 |
| Return on assets (ROA) | 0.4083% | 4,839 |
| Pretax return on assets | 0.4583% | 4,862 |
| Return on Equity (ROE) | 3.3979% | 4,842 |
| Retained earnings to average equity (ytd only) | 0.9656% | 4,712 |
| Net charge-offs to loans | -0.0055% | 4,372 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9203% | 587 |
| Assets per employee ($millions) | 6.8687% | 1,040 |
| Cash dividends to net income (ytd only)* | 71.5827% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6917% | 4,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 51.6299% | 4,425 |
| Net loans and leases to deposits | 58.7437% | 4,541 |
| Net loans and leases to core deposits | 59.8602% | 4,634 |
| Total domestic deposits to total assets | 87.8900% | 1,350 |
| Equity capital to assets | 12.0445% | 1,867 |
| Core capital (leverage) ratio | 12.4148% | 1,504 |
| Tier 1 risk-based capital ratio | 21.1606% | 1,135 |
| Total risk-based capital ratio | 21.7750% | 1,197 |
| Memoranda: | ||
| Average total assets | $68,081,400 | 4,615 |
| Average earning assets | $63,871,600 | 4,594 |
| Average equity | $8,181,600 | 4,580 |
| Average total loans | $36,675,600 | 4,641 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3759% | 5,061 |
| Cost of funding earning assets | 0.3118% | 4,434 |
| Net interest margin | 3.0641% | 4,764 |
| Noninterest income to average assets | 0.1825% | 4,873 |
| Noninterest expense to average assets | 2.6262% | 3,213 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3945% | 4,969 |
| Return on assets (ROA) | 0.3945% | 4,969 |
| Pretax return on assets | 0.4298% | 5,001 |
| Return on Equity (ROE) | 3.2847% | 4,958 |
| Retained earnings to average equity (ytd only) | 0.0327% | 5,030 |
| Net charge-offs to loans | -0.0072% | 4,313 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9345% | 522 |
| Assets per employee ($millions) | 6.9318% | 960 |
| Cash dividends to net income (ytd only)* | 99.0074% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6552% | 4,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 54.0321% | 4,359 |
| Net loans and leases to deposits | 61.2875% | 4,479 |
| Net loans and leases to core deposits | 62.4337% | 4,595 |
| Total domestic deposits to total assets | 88.1618% | 1,169 |
| Equity capital to assets | 11.6867% | 2,113 |
| Core capital (leverage) ratio | 12.3132% | 1,606 |
| Tier 1 risk-based capital ratio | 18.6839% | 1,618 |
| Total risk-based capital ratio | 19.2396% | 1,756 |
| Memoranda: | ||
| Average total assets | $67,930,000 | 4,661 |
| Average earning assets | $63,704,250 | 4,641 |
| Average equity | $8,158,750 | 4,628 |
| Average total loans | $36,917,000 | 4,684 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3979% | 5,045 |
| Cost of funding earning assets | 0.2911% | 4,483 |
| Net interest margin | 3.1068% | 4,716 |
| Noninterest income to average assets | 0.1838% | 4,909 |
| Noninterest expense to average assets | 2.6857% | 3,061 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3794% | 4,999 |
| Return on assets (ROA) | 0.3794% | 5,003 |
| Pretax return on assets | 0.4091% | 5,034 |
| Return on Equity (ROE) | 3.1303% | 4,999 |
| Retained earnings to average equity (ytd only) | -1.7364% | 5,129 |
| Net charge-offs to loans | -0.0055% | 4,124 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7816% | 531 |
| Assets per employee ($millions) | 6.1224% | 1,387 |
| Cash dividends to net income (ytd only)* | 155.4688% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6583% | 5,018 |
| Loan loss allowance to noncurrent loans | 3,075.0000% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 4,982 |
| Noncurrent loans to loans | 0.0214% | 4,837 |
| Net loans and leases to total assets | 55.1258% | 4,233 |
| Net loans and leases to deposits | 62.6582% | 4,379 |
| Net loans and leases to core deposits | 63.8622% | 4,496 |
| Total domestic deposits to total assets | 87.9785% | 1,398 |
| Equity capital to assets | 11.9577% | 1,880 |
| Core capital (leverage) ratio | 12.3839% | 1,499 |
| Tier 1 risk-based capital ratio | 19.8030% | 1,361 |
| Total risk-based capital ratio | 20.3940% | 1,482 |
| Memoranda: | ||
| Average total assets | $67,467,330 | 4,730 |
| Average earning assets | $63,216,330 | 4,706 |
| Average equity | $8,178,000 | 4,667 |
| Average total loans | $36,655,670 | 4,730 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3309% | 5,097 |
| Cost of funding earning assets | 0.2839% | 4,471 |
| Net interest margin | 3.0470% | 4,800 |
| Noninterest income to average assets | 0.1777% | 4,961 |
| Noninterest expense to average assets | 2.6182% | 3,284 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3791% | 4,967 |
| Return on assets (ROA) | 0.3791% | 4,971 |
| Pretax return on assets | 0.4206% | 5,003 |
| Return on Equity (ROE) | 3.1066% | 4,998 |
| Retained earnings to average equity (ytd only) | 3.1066% | 3,960 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1598% | 636 |
| Assets per employee ($millions) | 6.6556% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6718% | 5,074 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 54.4263% | 4,245 |
| Net loans and leases to deposits | 62.1626% | 4,327 |
| Net loans and leases to core deposits | 63.3730% | 4,462 |
| Total domestic deposits to total assets | 87.5548% | 1,871 |
| Equity capital to assets | 12.3265% | 1,587 |
| Core capital (leverage) ratio | 12.5330% | 1,375 |
| Tier 1 risk-based capital ratio | 20.4343% | 1,274 |
| Total risk-based capital ratio | 21.0308% | 1,354 |
| Memoranda: | ||
| Average total assets | $67,528,000 | 4,784 |
| Average earning assets | $63,406,000 | 4,762 |
| Average equity | $8,240,500 | 4,708 |
| Average total loans | $36,298,000 | 4,795 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3550% | 5,006 |
| Cost of funding earning assets | 0.2614% | 4,468 |
| Net interest margin | 3.0936% | 4,704 |
| Noninterest income to average assets | 0.1892% | 5,009 |
| Noninterest expense to average assets | 2.4649% | 3,897 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5531% | 4,216 |
| Return on assets (ROA) | 0.5544% | 4,241 |
| Pretax return on assets | 0.6184% | 4,698 |
| Return on Equity (ROE) | 4.6850% | 4,295 |
| Retained earnings to average equity (ytd only) | 4.6850% | 2,332 |
| Net charge-offs to loans | -0.0054% | 4,657 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9811% | 1,104 |
| Assets per employee ($millions) | 6.8500% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6782% | 5,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 52.3825% | 4,494 |
| Net loans and leases to deposits | 59.6076% | 4,592 |
| Net loans and leases to core deposits | 60.7264% | 4,719 |
| Total domestic deposits to total assets | 87.8788% | 1,563 |
| Equity capital to assets | 12.0832% | 1,777 |
| Core capital (leverage) ratio | 11.9463% | 1,631 |
| Tier 1 risk-based capital ratio | 20.2077% | 1,279 |
| Total risk-based capital ratio | 20.8063% | 1,379 |
| Memoranda: | ||
| Average total assets | $68,726,200 | 4,801 |
| Average earning assets | $64,261,800 | 4,780 |
| Average equity | $8,132,400 | 4,766 |
| Average total loans | $36,813,800 | 4,825 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3621% | 5,018 |
| Cost of funding earning assets | 0.2656% | 4,438 |
| Net interest margin | 3.0965% | 4,724 |
| Noninterest income to average assets | 0.1880% | 5,074 |
| Noninterest expense to average assets | 2.4560% | 3,869 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5102% | 4,703 |
| Return on assets (ROA) | 0.5117% | 4,732 |
| Pretax return on assets | 0.6261% | 4,785 |
| Return on Equity (ROE) | 4.3476% | 4,757 |
| Retained earnings to average equity (ytd only) | 4.3476% | 3,319 |
| Net charge-offs to loans | -0.0036% | 4,399 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7357% | 1,136 |
| Assets per employee ($millions) | 6.8688% | 1,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6476% | 5,243 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 54.4986% | 4,375 |
| Net loans and leases to deposits | 62.0920% | 4,504 |
| Net loans and leases to core deposits | 63.2502% | 4,638 |
| Total domestic deposits to total assets | 87.7708% | 1,487 |
| Equity capital to assets | 12.0516% | 1,933 |
| Core capital (leverage) ratio | 11.8227% | 1,800 |
| Tier 1 risk-based capital ratio | 19.3878% | 1,503 |
| Total risk-based capital ratio | 19.9695% | 1,620 |
| Memoranda: | ||
| Average total assets | $68,782,750 | 4,845 |
| Average earning assets | $64,243,750 | 4,832 |
| Average equity | $8,096,250 | 4,826 |
| Average total loans | $36,985,500 | 4,871 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3887% | 4,984 |
| Cost of funding earning assets | 0.2681% | 4,387 |
| Net interest margin | 3.1206% | 4,626 |
| Noninterest income to average assets | 0.2005% | 5,044 |
| Noninterest expense to average assets | 2.4588% | 3,895 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5266% | 4,625 |
| Return on assets (ROA) | 0.5290% | 4,647 |
| Pretax return on assets | 0.6539% | 4,674 |
| Return on Equity (ROE) | 4.5298% | 4,652 |
| Retained earnings to average equity (ytd only) | 4.5298% | 3,016 |
| Net charge-offs to loans | -0.0054% | 4,360 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0654% | 1,325 |
| Assets per employee ($millions) | 6.2375% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6436% | 5,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 54.8986% | 4,323 |
| Net loans and leases to deposits | 65.1464% | 4,289 |
| Net loans and leases to core deposits | 66.7405% | 4,428 |
| Total domestic deposits to total assets | 84.2695% | 3,101 |
| Equity capital to assets | 11.9790% | 1,946 |
| Core capital (leverage) ratio | 11.7868% | 1,778 |
| Tier 1 risk-based capital ratio | 19.1553% | 1,559 |
| Total risk-based capital ratio | 19.7343% | 1,680 |
| Memoranda: | ||
| Average total assets | $68,814,330 | 4,880 |
| Average earning assets | $64,154,000 | 4,861 |
| Average equity | $8,035,670 | 4,856 |
| Average total loans | $36,754,670 | 4,907 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3215% | 5,067 |
| Cost of funding earning assets | 0.2550% | 4,497 |
| Net interest margin | 3.0665% | 4,744 |
| Noninterest income to average assets | 0.2090% | 5,016 |
| Noninterest expense to average assets | 2.4204% | 4,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5282% | 4,475 |
| Return on assets (ROA) | 0.5282% | 4,516 |
| Pretax return on assets | 0.6501% | 4,594 |
| Return on Equity (ROE) | 4.5821% | 4,573 |
| Retained earnings to average equity (ytd only) | 4.5821% | 3,135 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8280% | 1,513 |
| Assets per employee ($millions) | 6.8572% | 1,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6612% | 5,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 53.2375% | 4,400 |
| Net loans and leases to deposits | 60.8281% | 4,508 |
| Net loans and leases to core deposits | 62.2566% | 4,638 |
| Total domestic deposits to total assets | 87.5211% | 1,976 |
| Equity capital to assets | 11.6957% | 2,039 |
| Core capital (leverage) ratio | 11.6507% | 1,853 |
| Tier 1 risk-based capital ratio | 19.2825% | 1,544 |
| Total risk-based capital ratio | 19.8695% | 1,670 |
| Memoranda: | ||
| Average total assets | $68,915,500 | 4,932 |
| Average earning assets | $64,308,000 | 4,910 |
| Average equity | $7,944,000 | 4,911 |
| Average total loans | $36,176,500 | 4,968 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3344% | 5,109 |
| Cost of funding earning assets | 0.2806% | 4,251 |
| Net interest margin | 3.0538% | 4,840 |
| Noninterest income to average assets | 0.1973% | 5,230 |
| Noninterest expense to average assets | 2.5396% | 3,875 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4611% | 4,767 |
| Return on assets (ROA) | 0.4661% | 4,828 |
| Pretax return on assets | 0.5421% | 4,941 |
| Return on Equity (ROE) | 4.0395% | 4,818 |
| Retained earnings to average equity (ytd only) | 4.0395% | 3,043 |
| Net charge-offs to loans | -0.0171% | 5,083 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5653% | 1,135 |
| Assets per employee ($millions) | 6.2963% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6825% | 5,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 51.0562% | 4,684 |
| Net loans and leases to deposits | 57.6485% | 4,818 |
| Net loans and leases to core deposits | 58.9674% | 4,908 |
| Total domestic deposits to total assets | 88.5647% | 1,345 |
| Equity capital to assets | 11.3603% | 2,282 |
| Core capital (leverage) ratio | 11.6076% | 1,855 |
| Tier 1 risk-based capital ratio | 19.4818% | 1,482 |
| Total risk-based capital ratio | 20.0786% | 1,608 |
| Memoranda: | ||
| Average total assets | $68,434,800 | 4,967 |
| Average earning assets | $64,509,800 | 4,931 |
| Average equity | $7,897,000 | 4,951 |
| Average total loans | $35,046,000 | 5,037 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3377% | 5,147 |
| Cost of funding earning assets | 0.2856% | 4,246 |
| Net interest margin | 3.0522% | 4,895 |
| Noninterest income to average assets | 0.1954% | 5,292 |
| Noninterest expense to average assets | 2.5424% | 3,854 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4523% | 4,867 |
| Return on assets (ROA) | 0.4573% | 4,930 |
| Pretax return on assets | 0.5413% | 5,035 |
| Return on Equity (ROE) | 3.9471% | 4,920 |
| Retained earnings to average equity (ytd only) | 3.9471% | 3,495 |
| Net charge-offs to loans | -0.0191% | 4,992 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6032% | 1,114 |
| Assets per employee ($millions) | 6.1898% | 1,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6879% | 5,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 51.3115% | 4,708 |
| Net loans and leases to deposits | 60.4258% | 4,725 |
| Net loans and leases to core deposits | 61.8902% | 4,840 |
| Total domestic deposits to total assets | 84.9166% | 2,838 |
| Equity capital to assets | 11.8406% | 2,226 |
| Core capital (leverage) ratio | 11.5252% | 2,005 |
| Tier 1 risk-based capital ratio | 19.4294% | 1,565 |
| Total risk-based capital ratio | 20.0287% | 1,686 |
| Memoranda: | ||
| Average total assets | $68,228,750 | 5,014 |
| Average earning assets | $64,433,500 | 4,973 |
| Average equity | $7,904,250 | 5,003 |
| Average total loans | $34,906,500 | 5,094 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3150% | 5,260 |
| Cost of funding earning assets | 0.2853% | 4,293 |
| Net interest margin | 3.0297% | 5,018 |
| Noninterest income to average assets | 0.1992% | 5,305 |
| Noninterest expense to average assets | 2.5426% | 3,905 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4436% | 4,890 |
| Return on assets (ROA) | 0.4511% | 4,955 |
| Pretax return on assets | 0.5273% | 5,083 |
| Return on Equity (ROE) | 3.9227% | 4,936 |
| Retained earnings to average equity (ytd only) | 3.9227% | 3,402 |
| Net charge-offs to loans | -0.0287% | 5,099 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0622% | 1,137 |
| Assets per employee ($millions) | 6.1920% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6807% | 5,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 51.8411% | 4,691 |
| Net loans and leases to deposits | 60.9140% | 4,736 |
| Net loans and leases to core deposits | 62.0595% | 4,880 |
| Total domestic deposits to total assets | 85.1054% | 2,828 |
| Equity capital to assets | 11.7233% | 2,336 |
| Core capital (leverage) ratio | 11.4738% | 2,012 |
| Tier 1 risk-based capital ratio | 19.0767% | 1,677 |
| Total risk-based capital ratio | 19.6713% | 1,779 |
| Memoranda: | ||
| Average total assets | $68,275,670 | 5,061 |
| Average earning assets | $64,495,000 | 5,017 |
| Average equity | $7,851,670 | 5,051 |
| Average total loans | $34,815,670 | 5,145 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2467% | 5,417 |
| Cost of funding earning assets | 0.2907% | 4,272 |
| Net interest margin | 2.9561% | 5,207 |
| Noninterest income to average assets | 0.2048% | 5,268 |
| Noninterest expense to average assets | 2.5162% | 4,019 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4179% | 4,937 |
| Return on assets (ROA) | 0.4330% | 4,966 |
| Pretax return on assets | 0.5032% | 5,081 |
| Return on Equity (ROE) | 3.8022% | 4,957 |
| Retained earnings to average equity (ytd only) | 3.8022% | 3,595 |
| Net charge-offs to loans | -0.0116% | 4,591 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8207% | 1,175 |
| Assets per employee ($millions) | 6.7690% | 978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6989% | 5,595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 49.9586% | 4,808 |
| Net loans and leases to deposits | 56.6667% | 4,942 |
| Net loans and leases to core deposits | 58.1248% | 5,041 |
| Total domestic deposits to total assets | 88.1622% | 1,551 |
| Equity capital to assets | 11.5852% | 2,367 |
| Core capital (leverage) ratio | 11.4933% | 1,974 |
| Tier 1 risk-based capital ratio | 19.4766% | 1,617 |
| Total risk-based capital ratio | 20.0795% | 1,741 |
| Memoranda: | ||
| Average total assets | $68,357,500 | 5,110 |
| Average earning assets | $64,680,500 | 5,058 |
| Average equity | $7,785,000 | 5,091 |
| Average total loans | $34,447,500 | 5,197 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4104% | 5,133 |
| Cost of funding earning assets | 0.3166% | 4,070 |
| Net interest margin | 3.0938% | 4,915 |
| Noninterest income to average assets | 0.2093% | 5,343 |
| Noninterest expense to average assets | 2.5646% | 4,029 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4756% | 4,787 |
| Return on assets (ROA) | 0.4820% | 4,845 |
| Pretax return on assets | 0.5616% | 4,959 |
| Return on Equity (ROE) | 4.3325% | 4,807 |
| Retained earnings to average equity (ytd only) | 4.3325% | 2,895 |
| Net charge-offs to loans | 0.1572% | 1,808 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 6.9630% | 3,143 |
| Efficiency ratio | 82.2306% | 1,373 |
| Assets per employee ($millions) | 6.9025% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6803% | 5,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0580% | 5,430 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 50.1311% | 4,856 |
| Net loans and leases to deposits | 56.5242% | 5,013 |
| Net loans and leases to core deposits | 57.9382% | 5,103 |
| Total domestic deposits to total assets | 88.6896% | 1,288 |
| Equity capital to assets | 11.1959% | 2,636 |
| Core capital (leverage) ratio | 11.1948% | 2,222 |
| Tier 1 risk-based capital ratio | 17.8592% | 2,009 |
| Total risk-based capital ratio | 18.4151% | 2,183 |
| Memoranda: | ||
| Average total assets | $67,846,800 | 5,135 |
| Average earning assets | $63,804,000 | 5,091 |
| Average equity | $7,547,600 | 5,138 |
| Average total loans | $34,357,400 | 5,212 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4285% | 5,143 |
| Cost of funding earning assets | 0.3199% | 4,103 |
| Net interest margin | 3.1086% | 4,939 |
| Noninterest income to average assets | 0.2171% | 5,359 |
| Noninterest expense to average assets | 2.5520% | 4,039 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4775% | 4,864 |
| Return on assets (ROA) | 0.4855% | 4,937 |
| Pretax return on assets | 0.5901% | 4,997 |
| Return on Equity (ROE) | 4.3717% | 4,882 |
| Retained earnings to average equity (ytd only) | 4.3717% | 3,363 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4745% | 1,471 |
| Assets per employee ($millions) | 6.1367% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8033% | 5,508 |
| Loan loss allowance to noncurrent loans | 309.5745% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.1393% | 5,200 |
| Noncurrent loans to loans | 0.2595% | 4,649 |
| Net loans and leases to total assets | 53.2339% | 4,647 |
| Net loans and leases to deposits | 60.1946% | 4,843 |
| Net loans and leases to core deposits | 61.7355% | 4,960 |
| Total domestic deposits to total assets | 88.4362% | 1,317 |
| Equity capital to assets | 11.3267% | 2,671 |
| Core capital (leverage) ratio | 11.2419% | 2,253 |
| Tier 1 risk-based capital ratio | 18.5760% | 1,878 |
| Total risk-based capital ratio | 19.2793% | 1,987 |
| Memoranda: | ||
| Average total assets | $67,552,250 | 5,204 |
| Average earning assets | $63,350,000 | 5,165 |
| Average equity | $7,502,500 | 5,208 |
| Average total loans | $34,236,750 | 5,271 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3859% | 5,264 |
| Cost of funding earning assets | 0.3190% | 4,171 |
| Net interest margin | 3.0669% | 5,055 |
| Noninterest income to average assets | 0.2220% | 5,377 |
| Noninterest expense to average assets | 2.5456% | 4,087 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4584% | 4,949 |
| Return on assets (ROA) | 0.4706% | 4,986 |
| Pretax return on assets | 0.5654% | 5,062 |
| Return on Equity (ROE) | 4.2658% | 4,919 |
| Retained earnings to average equity (ytd only) | 4.2658% | 3,310 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2180% | 1,462 |
| Assets per employee ($millions) | 6.2213% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8065% | 5,585 |
| Loan loss allowance to noncurrent loans | 617.0213% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 5,590 |
| Noncurrent loans to loans | 0.1307% | 5,228 |
| Net loans and leases to total assets | 52.1218% | 4,742 |
| Net loans and leases to deposits | 60.0306% | 4,850 |
| Net loans and leases to core deposits | 61.5715% | 4,977 |
| Total domestic deposits to total assets | 86.8253% | 2,254 |
| Equity capital to assets | 10.9054% | 2,988 |
| Core capital (leverage) ratio | 11.1261% | 2,308 |
| Tier 1 risk-based capital ratio | 18.0001% | 2,065 |
| Total risk-based capital ratio | 18.6959% | 2,194 |
| Memoranda: | ||
| Average total assets | $67,568,330 | 5,262 |
| Average earning assets | $63,321,330 | 5,213 |
| Average equity | $7,454,670 | 5,269 |
| Average total loans | $33,573,670 | 5,340 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2683% | 5,519 |
| Cost of funding earning assets | 0.3230% | 4,189 |
| Net interest margin | 2.9453% | 5,355 |
| Noninterest income to average assets | 0.2443% | 5,224 |
| Noninterest expense to average assets | 2.5322% | 4,163 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4230% | 4,981 |
| Return on assets (ROA) | 0.4230% | 5,103 |
| Pretax return on assets | 0.4826% | 5,223 |
| Return on Equity (ROE) | 3.8118% | 5,060 |
| Retained earnings to average equity (ytd only) | 3.8118% | 3,720 |
| Net charge-offs to loans | -0.0124% | 4,816 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9921% | 1,383 |
| Assets per employee ($millions) | 6.1216% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8955% | 5,451 |
| Loan loss allowance to noncurrent loans | 606.2500% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 5,652 |
| Noncurrent loans to loans | 0.1477% | 5,247 |
| Net loans and leases to total assets | 47.8259% | 5,053 |
| Net loans and leases to deposits | 54.0062% | 5,189 |
| Net loans and leases to core deposits | 55.3855% | 5,288 |
| Total domestic deposits to total assets | 88.5562% | 1,519 |
| Equity capital to assets | 11.1779% | 2,780 |
| Core capital (leverage) ratio | 11.2072% | 2,226 |
| Tier 1 risk-based capital ratio | 18.5788% | 1,978 |
| Total risk-based capital ratio | 19.3080% | 2,072 |
| Memoranda: | ||
| Average total assets | $67,135,500 | 5,326 |
| Average earning assets | $63,151,500 | 5,271 |
| Average equity | $7,450,500 | 5,316 |
| Average total loans | $32,381,000 | 5,426 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3688% | 5,589 |
| Cost of funding earning assets | 0.3507% | 4,246 |
| Net interest margin | 3.0182% | 5,410 |
| Noninterest income to average assets | 0.2125% | 5,584 |
| Noninterest expense to average assets | 2.5790% | 4,297 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4201% | 5,150 |
| Return on assets (ROA) | 0.4500% | 5,111 |
| Pretax return on assets | 0.5120% | 5,219 |
| Return on Equity (ROE) | 4.2315% | 5,008 |
| Retained earnings to average equity (ytd only) | 4.2315% | 3,177 |
| Net charge-offs to loans | 0.0743% | 3,424 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 13.5000% | 2,261 |
| Efficiency ratio | 84.3629% | 1,363 |
| Assets per employee ($millions) | 5.5778% | 1,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8988% | 5,478 |
| Loan loss allowance to noncurrent loans | 591.8367% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 5,499 |
| Noncurrent loans to loans | 0.1519% | 5,286 |
| Net loans and leases to total assets | 47.7731% | 5,179 |
| Net loans and leases to deposits | 53.7349% | 5,348 |
| Net loans and leases to core deposits | 55.1073% | 5,440 |
| Total domestic deposits to total assets | 88.9053% | 1,288 |
| Equity capital to assets | 11.0170% | 2,878 |
| Core capital (leverage) ratio | 11.0353% | 2,373 |
| Tier 1 risk-based capital ratio | 19.1764% | 1,798 |
| Total risk-based capital ratio | 19.9337% | 1,901 |
| Memoranda: | ||
| Average total assets | $67,779,000 | 5,353 |
| Average earning assets | $63,879,400 | 5,281 |
| Average equity | $7,207,800 | 5,374 |
| Average total loans | $32,285,200 | 5,472 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3728% | 5,637 |
| Cost of funding earning assets | 0.3537% | 4,306 |
| Net interest margin | 3.0191% | 5,465 |
| Noninterest income to average assets | 0.2138% | 5,656 |
| Noninterest expense to average assets | 2.5199% | 4,462 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4462% | 5,088 |
| Return on assets (ROA) | 0.4706% | 5,070 |
| Pretax return on assets | 0.5687% | 5,131 |
| Return on Equity (ROE) | 4.4652% | 4,979 |
| Retained earnings to average equity (ytd only) | 4.4652% | 3,471 |
| Net charge-offs to loans | 0.0991% | 2,808 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 11.4581% | 2,425 |
| Efficiency ratio | 82.3718% | 1,568 |
| Assets per employee ($millions) | 5.5995% | 1,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8730% | 5,679 |
| Loan loss allowance to noncurrent loans | 580.0000% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.1488% | 5,594 |
| Noncurrent loans to loans | 0.1505% | 5,461 |
| Net loans and leases to total assets | 49.0044% | 5,110 |
| Net loans and leases to deposits | 55.0617% | 5,302 |
| Net loans and leases to core deposits | 56.4590% | 5,419 |
| Total domestic deposits to total assets | 88.9990% | 1,236 |
| Equity capital to assets | 10.8313% | 3,151 |
| Core capital (leverage) ratio | 10.7666% | 2,731 |
| Tier 1 risk-based capital ratio | 17.3223% | 2,460 |
| Total risk-based capital ratio | 18.0124% | 2,648 |
| Memoranda: | ||
| Average total assets | $67,990,500 | 5,403 |
| Average earning assets | $64,079,500 | 5,330 |
| Average equity | $7,166,250 | 5,430 |
| Average total loans | $32,290,000 | 5,530 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3373% | 5,740 |
| Cost of funding earning assets | 0.3546% | 4,385 |
| Net interest margin | 2.9828% | 5,572 |
| Noninterest income to average assets | 0.2168% | 5,653 |
| Noninterest expense to average assets | 2.5492% | 4,417 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4161% | 5,154 |
| Return on assets (ROA) | 0.4161% | 5,234 |
| Pretax return on assets | 0.4776% | 5,340 |
| Return on Equity (ROE) | 3.9837% | 5,154 |
| Retained earnings to average equity (ytd only) | 3.9837% | 3,648 |
| Net charge-offs to loans | 0.0313% | 3,571 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 32.6000% | 1,193 |
| Efficiency ratio | 84.2207% | 1,480 |
| Assets per employee ($millions) | 5.6370% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 5,551 |
| Loan loss allowance to noncurrent loans | 266.3793% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.1715% | 5,626 |
| Noncurrent loans to loans | 0.3579% | 4,923 |
| Net loans and leases to total assets | 47.4514% | 5,222 |
| Net loans and leases to deposits | 53.0817% | 5,415 |
| Net loans and leases to core deposits | 54.4117% | 5,523 |
| Total domestic deposits to total assets | 89.3930% | 1,160 |
| Equity capital to assets | 10.5286% | 3,409 |
| Core capital (leverage) ratio | 10.6222% | 2,800 |
| Tier 1 risk-based capital ratio | 18.6205% | 2,031 |
| Total risk-based capital ratio | 19.4218% | 2,149 |
| Memoranda: | ||
| Average total assets | $68,256,000 | 5,444 |
| Average earning assets | $64,303,000 | 5,377 |
| Average equity | $7,129,000 | 5,458 |
| Average total loans | $31,980,670 | 5,579 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3471% | 5,756 |
| Cost of funding earning assets | 0.3595% | 4,440 |
| Net interest margin | 2.9876% | 5,553 |
| Noninterest income to average assets | 0.2159% | 5,626 |
| Noninterest expense to average assets | 2.5729% | 4,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4084% | 5,085 |
| Return on assets (ROA) | 0.4084% | 5,151 |
| Pretax return on assets | 0.4551% | 5,296 |
| Return on Equity (ROE) | 3.9257% | 5,078 |
| Retained earnings to average equity (ytd only) | 3.9257% | 3,758 |
| Net charge-offs to loans | 0.0755% | 2,394 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,686 |
| Efficiency ratio | 84.9711% | 1,548 |
| Assets per employee ($millions) | 5.7346% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 5,598 |
| Loan loss allowance to noncurrent loans | 263.2479% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.1700% | 5,726 |
| Noncurrent loans to loans | 0.3722% | 5,011 |
| Net loans and leases to total assets | 45.2314% | 5,407 |
| Net loans and leases to deposits | 50.3771% | 5,569 |
| Net loans and leases to core deposits | 51.6100% | 5,644 |
| Total domestic deposits to total assets | 89.7857% | 1,185 |
| Equity capital to assets | 10.0589% | 3,777 |
| Core capital (leverage) ratio | 10.5677% | 2,850 |
| Tier 1 risk-based capital ratio | 18.6966% | 2,063 |
| Total risk-based capital ratio | 19.5066% | 2,152 |
| Memoranda: | ||
| Average total assets | $68,562,000 | 5,488 |
| Average earning assets | $64,533,000 | 5,424 |
| Average equity | $7,132,500 | 5,486 |
| Average total loans | $31,767,500 | 5,638 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7156% | 5,086 |
| Cost of funding earning assets | 0.4390% | 4,227 |
| Net interest margin | 3.2766% | 4,748 |
| Noninterest income to average assets | 0.1991% | 5,893 |
| Noninterest expense to average assets | 2.6826% | 4,151 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3917% | 5,176 |
| Return on assets (ROA) | 0.3865% | 5,299 |
| Pretax return on assets | 0.4389% | 5,387 |
| Return on Equity (ROE) | 3.5702% | 5,290 |
| Retained earnings to average equity (ytd only) | 3.5702% | 3,674 |
| Net charge-offs to loans | 0.0091% | 5,270 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 460 |
| Efficiency ratio | 85.7807% | 1,434 |
| Assets per employee ($millions) | 5.6924% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9782% | 5,668 |
| Loan loss allowance to noncurrent loans | 592.4528% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.0776% | 6,113 |
| Noncurrent loans to loans | 0.1651% | 5,703 |
| Net loans and leases to total assets | 46.5341% | 5,447 |
| Net loans and leases to deposits | 52.1817% | 5,606 |
| Net loans and leases to core deposits | 53.4757% | 5,709 |
| Total domestic deposits to total assets | 89.1771% | 1,502 |
| Equity capital to assets | 10.7497% | 2,879 |
| Core capital (leverage) ratio | 11.1659% | 2,225 |
| Tier 1 risk-based capital ratio | 19.7901% | 1,700 |
| Total risk-based capital ratio | 20.6017% | 1,787 |
| Memoranda: | ||
| Average total assets | $68,814,400 | 5,513 |
| Average earning assets | $61,497,400 | 5,549 |
| Average equity | $7,450,600 | 5,468 |
| Average total loans | $32,843,400 | 5,629 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7921% | 4,885 |
| Cost of funding earning assets | 0.4559% | 4,205 |
| Net interest margin | 3.3362% | 4,508 |
| Noninterest income to average assets | 0.1953% | 6,002 |
| Noninterest expense to average assets | 2.6670% | 4,140 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3849% | 5,301 |
| Return on assets (ROA) | 0.3849% | 5,440 |
| Pretax return on assets | 0.4719% | 5,439 |
| Return on Equity (ROE) | 3.5484% | 5,420 |
| Retained earnings to average equity (ytd only) | 3.5484% | 4,177 |
| Net charge-offs to loans | 0.0202% | 4,729 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 48.7751% | 879 |
| Efficiency ratio | 84.9661% | 1,476 |
| Assets per employee ($millions) | 5.3475% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9706% | 5,838 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 45.7917% | 5,566 |
| Net loans and leases to deposits | 51.2576% | 5,762 |
| Net loans and leases to core deposits | 52.5020% | 5,862 |
| Total domestic deposits to total assets | 89.3364% | 1,392 |
| Equity capital to assets | 10.4895% | 3,290 |
| Core capital (leverage) ratio | 10.9658% | 2,514 |
| Tier 1 risk-based capital ratio | 19.8322% | 1,774 |
| Total risk-based capital ratio | 20.6475% | 1,854 |
| Memoranda: | ||
| Average total assets | $68,940,750 | 5,568 |
| Average earning assets | $60,826,000 | 5,632 |
| Average equity | $7,477,500 | 5,522 |
| Average total loans | $33,029,000 | 5,679 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9065% | 4,449 |
| Cost of funding earning assets | 0.4795% | 4,107 |
| Net interest margin | 3.4271% | 4,086 |
| Noninterest income to average assets | 0.1891% | 6,077 |
| Noninterest expense to average assets | 2.6793% | 4,108 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3724% | 5,321 |
| Return on assets (ROA) | 0.3724% | 5,491 |
| Pretax return on assets | 0.4626% | 5,486 |
| Return on Equity (ROE) | 3.3955% | 5,472 |
| Retained earnings to average equity (ytd only) | 3.3955% | 4,157 |
| Net charge-offs to loans | 0.0360% | 4,180 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,240 |
| Efficiency ratio | 85.2778% | 1,490 |
| Assets per employee ($millions) | 4.8286% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9389% | 6,029 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 48.5414% | 5,276 |
| Net loans and leases to deposits | 54.4450% | 5,480 |
| Net loans and leases to core deposits | 55.8061% | 5,613 |
| Total domestic deposits to total assets | 89.1568% | 1,533 |
| Equity capital to assets | 10.7618% | 2,983 |
| Core capital (leverage) ratio | 11.1626% | 2,204 |
| Tier 1 risk-based capital ratio | 19.4274% | 1,874 |
| Total risk-based capital ratio | 20.2310% | 1,964 |
| Memoranda: | ||
| Average total assets | $68,748,670 | 5,612 |
| Average earning assets | $59,234,330 | 5,718 |
| Average equity | $7,539,330 | 5,549 |
| Average total loans | $33,323,670 | 5,697 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7835% | 4,878 |
| Cost of funding earning assets | 0.4978% | 4,110 |
| Net interest margin | 3.2857% | 4,571 |
| Noninterest income to average assets | 0.1789% | 6,195 |
| Noninterest expense to average assets | 2.6139% | 4,360 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3404% | 5,400 |
| Return on assets (ROA) | 0.3404% | 5,539 |
| Pretax return on assets | 0.4212% | 5,495 |
| Return on Equity (ROE) | 3.0763% | 5,561 |
| Retained earnings to average equity (ytd only) | 3.0763% | 4,438 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1217% | 1,502 |
| Assets per employee ($millions) | 4.8964% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 6,103 |
| Loan loss allowance to noncurrent loans | 56.7084% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 0.8155% | 4,335 |
| Noncurrent loans to loans | 1.6952% | 3,001 |
| Net loans and leases to total assets | 47.6433% | 5,263 |
| Net loans and leases to deposits | 53.8830% | 5,444 |
| Net loans and leases to core deposits | 55.4586% | 5,564 |
| Total domestic deposits to total assets | 88.4200% | 2,053 |
| Equity capital to assets | 11.1891% | 2,751 |
| Core capital (leverage) ratio | 11.0179% | 2,248 |
| Tier 1 risk-based capital ratio | 18.8942% | 2,072 |
| Total risk-based capital ratio | 19.6982% | 2,181 |
| Memoranda: | ||
| Average total assets | $69,323,000 | 5,642 |
| Average earning assets | $60,261,500 | 5,744 |
| Average equity | $7,671,500 | 5,590 |
| Average total loans | $33,423,000 | 5,731 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6134% | 2,944 |
| Cost of funding earning assets | 0.6601% | 3,835 |
| Net interest margin | 3.9533% | 2,591 |
| Noninterest income to average assets | 0.1751% | 6,149 |
| Noninterest expense to average assets | 2.9794% | 3,351 |
| Loan and lease loss provision to assets | 0.0473% | 5,239 |
| Net operating income to assets | 0.3706% | 5,217 |
| Return on assets (ROA) | 0.3706% | 5,449 |
| Pretax return on assets | 0.5110% | 5,252 |
| Return on Equity (ROE) | 3.1039% | 5,515 |
| Retained earnings to average equity (ytd only) | 3.1039% | 4,050 |
| Net charge-offs to loans | 0.1147% | 4,535 |
| Credit loss provision to net charge-offs | 73.1707% | 4,064 |
| Earnings coverage of net charge-offs (x) | 8.6341% | 2,375 |
| Efficiency ratio | 84.2176% | 1,606 |
| Assets per employee ($millions) | 5.0069% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9359% | 6,172 |
| Loan loss allowance to noncurrent loans | 78.4653% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 0.5763% | 5,037 |
| Noncurrent loans to loans | 1.1928% | 3,863 |
| Net loans and leases to total assets | 47.8665% | 5,428 |
| Net loans and leases to deposits | 53.9533% | 5,657 |
| Net loans and leases to core deposits | 55.4861% | 5,755 |
| Total domestic deposits to total assets | 88.7185% | 1,757 |
| Equity capital to assets | 10.9463% | 3,019 |
| Core capital (leverage) ratio | 11.1684% | 2,107 |
| Tier 1 risk-based capital ratio | 18.8325% | 2,002 |
| Total risk-based capital ratio | 19.6402% | 2,103 |
| Memoranda: | ||
| Average total assets | $63,402,800 | 5,842 |
| Average earning assets | $53,930,200 | 5,930 |
| Average equity | $7,571,000 | 5,616 |
| Average total loans | $35,733,000 | 5,689 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7127% | 2,761 |
| Cost of funding earning assets | 0.6800% | 3,938 |
| Net interest margin | 4.0327% | 2,371 |
| Noninterest income to average assets | 0.1793% | 6,232 |
| Noninterest expense to average assets | 3.0800% | 2,948 |
| Loan and lease loss provision to assets | 0.0648% | 4,892 |
| Net operating income to assets | 0.3715% | 5,366 |
| Return on assets (ROA) | 0.3715% | 5,564 |
| Pretax return on assets | 0.5313% | 5,375 |
| Return on Equity (ROE) | 3.0393% | 5,663 |
| Retained earnings to average equity (ytd only) | 3.0393% | 4,725 |
| Net charge-offs to loans | 0.1437% | 3,964 |
| Credit loss provision to net charge-offs | 76.9231% | 3,706 |
| Earnings coverage of net charge-offs (x) | 7.0767% | 2,666 |
| Efficiency ratio | 83.7838% | 1,618 |
| Assets per employee ($millions) | 4.5527% | 2,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9002% | 6,377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 55.0943% | 4,583 |
| Net loans and leases to deposits | 63.0607% | 4,834 |
| Net loans and leases to core deposits | 64.7598% | 5,076 |
| Total domestic deposits to total assets | 87.3670% | 2,452 |
| Equity capital to assets | 12.0478% | 2,214 |
| Core capital (leverage) ratio | 11.4969% | 1,988 |
| Tier 1 risk-based capital ratio | 19.2812% | 1,927 |
| Total risk-based capital ratio | 20.1205% | 2,018 |
| Memoranda: | ||
| Average total assets | $61,729,250 | 5,948 |
| Average earning assets | $53,527,750 | 6,008 |
| Average equity | $7,545,500 | 5,682 |
| Average total loans | $36,198,750 | 5,743 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7633% | 2,666 |
| Cost of funding earning assets | 0.6939% | 4,069 |
| Net interest margin | 4.0694% | 2,213 |
| Noninterest income to average assets | 0.1769% | 6,295 |
| Noninterest expense to average assets | 3.1510% | 2,745 |
| Loan and lease loss provision to assets | 0.0655% | 4,824 |
| Net operating income to assets | 0.3570% | 5,394 |
| Return on assets (ROA) | 0.3570% | 5,616 |
| Pretax return on assets | 0.5143% | 5,402 |
| Return on Equity (ROE) | 2.9063% | 5,729 |
| Retained earnings to average equity (ytd only) | 2.9063% | 4,701 |
| Net charge-offs to loans | 0.1152% | 4,022 |
| Credit loss provision to net charge-offs | 95.2381% | 2,896 |
| Earnings coverage of net charge-offs (x) | 8.4286% | 2,296 |
| Efficiency ratio | 84.4601% | 1,585 |
| Assets per employee ($millions) | 4.4518% | 2,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9019% | 6,447 |
| Loan loss allowance to noncurrent loans | 77.6722% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 0.6755% | 5,085 |
| Noncurrent loans to loans | 1.1612% | 4,218 |
| Net loans and leases to total assets | 57.6478% | 4,227 |
| Net loans and leases to deposits | 65.9526% | 4,511 |
| Net loans and leases to core deposits | 67.7663% | 4,817 |
| Total domestic deposits to total assets | 87.4079% | 2,532 |
| Equity capital to assets | 12.1508% | 2,027 |
| Core capital (leverage) ratio | 11.9829% | 1,610 |
| Tier 1 risk-based capital ratio | 18.7721% | 2,041 |
| Total risk-based capital ratio | 19.6171% | 2,137 |
| Memoranda: | ||
| Average total assets | $61,059,670 | 6,002 |
| Average earning assets | $53,324,670 | 6,051 |
| Average equity | $7,501,000 | 5,711 |
| Average total loans | $36,453,330 | 5,763 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8244% | 2,545 |
| Cost of funding earning assets | 0.7153% | 4,152 |
| Net interest margin | 4.1091% | 2,060 |
| Noninterest income to average assets | 0.1920% | 6,232 |
| Noninterest expense to average assets | 3.1244% | 2,834 |
| Loan and lease loss provision to assets | 0.0199% | 5,091 |
| Net operating income to assets | 0.4237% | 5,148 |
| Return on assets (ROA) | 0.4237% | 5,341 |
| Pretax return on assets | 0.6222% | 5,041 |
| Return on Equity (ROE) | 3.4293% | 5,542 |
| Retained earnings to average equity (ytd only) | 3.4293% | 4,518 |
| Net charge-offs to loans | 0.0328% | 4,226 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 32.3333% | 870 |
| Efficiency ratio | 82.9525% | 1,810 |
| Assets per employee ($millions) | 4.2859% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9051% | 6,521 |
| Loan loss allowance to noncurrent loans | 87.2340% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 0.8050% | 4,931 |
| Noncurrent loans to loans | 1.0375% | 4,616 |
| Net loans and leases to total assets | 59.8503% | 3,703 |
| Net loans and leases to deposits | 68.8299% | 3,902 |
| Net loans and leases to core deposits | 69.7320% | 4,458 |
| Total domestic deposits to total assets | 86.9540% | 2,979 |
| Equity capital to assets | 12.4894% | 1,730 |
| Core capital (leverage) ratio | 12.0051% | 1,584 |
| Tier 1 risk-based capital ratio | 19.1568% | 1,945 |
| Total risk-based capital ratio | 20.0271% | 2,027 |
| Memoranda: | ||
| Average total assets | $60,427,000 | 6,054 |
| Average earning assets | $52,566,500 | 6,118 |
| Average equity | $7,465,000 | 5,749 |
| Average total loans | $36,552,000 | 5,798 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3004% | 1,695 |
| Cost of funding earning assets | 0.8522% | 4,462 |
| Net interest margin | 4.4482% | 1,267 |
| Noninterest income to average assets | 0.2103% | 6,012 |
| Noninterest expense to average assets | 3.2027% | 2,854 |
| Loan and lease loss provision to assets | 0.2570% | 3,637 |
| Net operating income to assets | 0.3355% | 5,122 |
| Return on assets (ROA) | 0.3355% | 5,283 |
| Pretax return on assets | 0.5140% | 4,950 |
| Return on Equity (ROE) | 2.7567% | 5,384 |
| Retained earnings to average equity (ytd only) | 2.7567% | 4,272 |
| Net charge-offs to loans | 0.4481% | 3,189 |
| Credit loss provision to net charge-offs | 90.5882% | 3,982 |
| Earnings coverage of net charge-offs (x) | 2.7176% | 3,857 |
| Efficiency ratio | 80.5964% | 2,218 |
| Assets per employee ($millions) | 4.6808% | 2,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8898% | 6,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1972% | 6,463 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 60.0417% | 3,981 |
| Net loans and leases to deposits | 68.7141% | 4,328 |
| Net loans and leases to core deposits | 69.5964% | 4,834 |
| Total domestic deposits to total assets | 87.3790% | 2,545 |
| Equity capital to assets | 12.2200% | 1,960 |
| Core capital (leverage) ratio | 11.8326% | 1,695 |
| Tier 1 risk-based capital ratio | 18.8604% | 1,939 |
| Total risk-based capital ratio | 19.7248% | 2,019 |
| Memoranda: | ||
| Average total assets | $59,918,400 | 6,040 |
| Average earning assets | $50,694,200 | 6,167 |
| Average equity | $7,291,200 | 5,782 |
| Average total loans | $37,941,800 | 5,789 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3473% | 1,684 |
| Cost of funding earning assets | 0.8811% | 4,539 |
| Net interest margin | 4.4662% | 1,228 |
| Noninterest income to average assets | 0.2145% | 6,075 |
| Noninterest expense to average assets | 3.2280% | 2,734 |
| Loan and lease loss provision to assets | 0.2100% | 3,925 |
| Net operating income to assets | 0.3552% | 5,186 |
| Return on assets (ROA) | 0.3552% | 5,370 |
| Pretax return on assets | 0.5473% | 4,987 |
| Return on Equity (ROE) | 2.9220% | 5,453 |
| Retained earnings to average equity (ytd only) | 2.9220% | 4,604 |
| Net charge-offs to loans | 0.3524% | 3,331 |
| Credit loss provision to net charge-offs | 93.0693% | 3,666 |
| Earnings coverage of net charge-offs (x) | 3.3565% | 3,473 |
| Efficiency ratio | 80.9978% | 2,108 |
| Assets per employee ($millions) | 4.2998% | 3,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8837% | 6,649 |
| Loan loss allowance to noncurrent loans | 416.0494% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.3339% | 6,234 |
| Noncurrent loans to loans | 0.2124% | 6,449 |
| Net loans and leases to total assets | 62.7872% | 3,547 |
| Net loans and leases to deposits | 72.1201% | 3,967 |
| Net loans and leases to core deposits | 73.0569% | 4,578 |
| Total domestic deposits to total assets | 87.0592% | 2,615 |
| Equity capital to assets | 12.3411% | 2,003 |
| Core capital (leverage) ratio | 11.8485% | 1,794 |
| Tier 1 risk-based capital ratio | 18.4408% | 2,105 |
| Total risk-based capital ratio | 19.3145% | 2,190 |
| Memoranda: | ||
| Average total assets | $59,685,250 | 6,099 |
| Average earning assets | $50,391,750 | 6,229 |
| Average equity | $7,255,000 | 5,828 |
| Average total loans | $38,211,250 | 5,827 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3116% | 1,847 |
| Cost of funding earning assets | 0.9025% | 4,645 |
| Net interest margin | 4.4091% | 1,343 |
| Noninterest income to average assets | 0.2151% | 6,128 |
| Noninterest expense to average assets | 3.2429% | 2,752 |
| Loan and lease loss provision to assets | 0.1143% | 4,863 |
| Net operating income to assets | 0.3999% | 4,943 |
| Return on assets (ROA) | 0.3999% | 5,099 |
| Pretax return on assets | 0.5847% | 4,793 |
| Return on Equity (ROE) | 3.3069% | 5,257 |
| Retained earnings to average equity (ytd only) | 3.3069% | 4,156 |
| Net charge-offs to loans | 0.1883% | 4,029 |
| Credit loss provision to net charge-offs | 94.4444% | 3,323 |
| Earnings coverage of net charge-offs (x) | 5.7778% | 2,531 |
| Efficiency ratio | 82.2677% | 2,067 |
| Assets per employee ($millions) | 4.2951% | 3,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 6,705 |
| Loan loss allowance to noncurrent loans | 46.9780% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 1.2107% | 4,471 |
| Noncurrent loans to loans | 1.8774% | 3,644 |
| Net loans and leases to total assets | 63.9177% | 3,480 |
| Net loans and leases to deposits | 73.0884% | 3,936 |
| Net loans and leases to core deposits | 74.0316% | 4,580 |
| Total domestic deposits to total assets | 87.4526% | 2,489 |
| Equity capital to assets | 12.1583% | 1,993 |
| Core capital (leverage) ratio | 11.9164% | 1,656 |
| Tier 1 risk-based capital ratio | 18.0650% | 2,155 |
| Total risk-based capital ratio | 18.9385% | 2,237 |
| Memoranda: | ||
| Average total assets | $59,514,670 | 6,152 |
| Average earning assets | $50,305,000 | 6,279 |
| Average equity | $7,197,000 | 5,868 |
| Average total loans | $38,237,330 | 5,878 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3347% | 1,769 |
| Cost of funding earning assets | 0.9457% | 4,608 |
| Net interest margin | 4.3890% | 1,313 |
| Noninterest income to average assets | 0.2230% | 6,137 |
| Noninterest expense to average assets | 3.1754% | 2,982 |
| Loan and lease loss provision to assets | 0.0608% | 5,237 |
| Net operating income to assets | 0.4189% | 4,861 |
| Return on assets (ROA) | 0.4189% | 4,951 |
| Pretax return on assets | 0.6553% | 4,470 |
| Return on Equity (ROE) | 3.4734% | 5,157 |
| Retained earnings to average equity (ytd only) | 3.4734% | 4,102 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5972% | 2,281 |
| Assets per employee ($millions) | 4.1594% | 3,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9413% | 6,583 |
| Loan loss allowance to noncurrent loans | 191.8478% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 6,409 |
| Noncurrent loans to loans | 0.4906% | 6,035 |
| Net loans and leases to total assets | 63.7948% | 3,474 |
| Net loans and leases to deposits | 73.1107% | 3,900 |
| Net loans and leases to core deposits | 73.7186% | 4,560 |
| Total domestic deposits to total assets | 87.2579% | 2,794 |
| Equity capital to assets | 12.3214% | 1,727 |
| Core capital (leverage) ratio | 12.0008% | 1,569 |
| Tier 1 risk-based capital ratio | 18.8076% | 1,867 |
| Total risk-based capital ratio | 19.7539% | 1,910 |
| Memoranda: | ||
| Average total assets | $59,206,000 | 6,208 |
| Average earning assets | $49,487,500 | 6,355 |
| Average equity | $7,140,000 | 5,885 |
| Average total loans | $37,967,500 | 5,942 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7416% | 1,433 |
| Cost of funding earning assets | 1.1763% | 4,691 |
| Net interest margin | 4.5654% | 1,090 |
| Noninterest income to average assets | 0.2345% | 6,123 |
| Noninterest expense to average assets | 3.2812% | 2,795 |
| Loan and lease loss provision to assets | 0.2124% | 5,131 |
| Net operating income to assets | 0.4979% | 4,106 |
| Return on assets (ROA) | 0.4979% | 4,264 |
| Pretax return on assets | 0.6848% | 4,025 |
| Return on Equity (ROE) | 4.1714% | 4,445 |
| Retained earnings to average equity (ytd only) | 4.1714% | 2,925 |
| Net charge-offs to loans | 0.3099% | 4,468 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 4.2240% | 3,012 |
| Efficiency ratio | 78.5279% | 2,612 |
| Assets per employee ($millions) | 4.2986% | 3,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 6,737 |
| Loan loss allowance to noncurrent loans | 104.5593% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.5467% | 5,937 |
| Noncurrent loans to loans | 0.8560% | 5,353 |
| Net loans and leases to total assets | 63.2918% | 4,009 |
| Net loans and leases to deposits | 71.9896% | 4,519 |
| Net loans and leases to core deposits | 72.5615% | 5,155 |
| Total domestic deposits to total assets | 87.9179% | 2,300 |
| Equity capital to assets | 11.8062% | 2,035 |
| Core capital (leverage) ratio | 11.7531% | 1,702 |
| Tier 1 risk-based capital ratio | 18.1153% | 1,964 |
| Total risk-based capital ratio | 19.0113% | 2,040 |
| Memoranda: | ||
| Average total assets | $58,851,200 | 6,246 |
| Average earning assets | $50,839,400 | 6,334 |
| Average equity | $7,024,000 | 6,026 |
| Average total loans | $40,331,800 | 5,910 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7756% | 1,470 |
| Cost of funding earning assets | 1.2025% | 4,855 |
| Net interest margin | 4.5731% | 1,105 |
| Noninterest income to average assets | 0.2210% | 6,328 |
| Noninterest expense to average assets | 3.2786% | 2,641 |
| Loan and lease loss provision to assets | 0.2848% | 4,297 |
| Net operating income to assets | 0.4739% | 4,423 |
| Return on assets (ROA) | 0.4739% | 4,621 |
| Pretax return on assets | 0.6607% | 4,384 |
| Return on Equity (ROE) | 3.9597% | 4,805 |
| Retained earnings to average equity (ytd only) | 3.9597% | 3,696 |
| Net charge-offs to loans | 0.3071% | 4,124 |
| Credit loss provision to net charge-offs | 132.9787% | 3,040 |
| Earnings coverage of net charge-offs (x) | 4.4149% | 3,062 |
| Efficiency ratio | 77.6160% | 2,677 |
| Assets per employee ($millions) | 4.1196% | 3,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9193% | 6,681 |
| Loan loss allowance to noncurrent loans | 202.7027% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.3208% | 6,581 |
| Noncurrent loans to loans | 0.4535% | 6,280 |
| Net loans and leases to total assets | 70.0754% | 2,717 |
| Net loans and leases to deposits | 80.5100% | 3,356 |
| Net loans and leases to core deposits | 81.1811% | 4,359 |
| Total domestic deposits to total assets | 87.0394% | 2,506 |
| Equity capital to assets | 12.3589% | 1,936 |
| Core capital (leverage) ratio | 11.9476% | 1,703 |
| Tier 1 risk-based capital ratio | 17.0620% | 2,320 |
| Total risk-based capital ratio | 17.9933% | 2,407 |
| Memoranda: | ||
| Average total assets | $58,519,000 | 6,324 |
| Average earning assets | $51,225,750 | 6,396 |
| Average equity | $7,003,750 | 6,113 |
| Average total loans | $40,806,500 | 5,968 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7427% | 1,586 |
| Cost of funding earning assets | 1.2364% | 4,921 |
| Net interest margin | 4.5063% | 1,195 |
| Noninterest income to average assets | 0.2075% | 6,429 |
| Noninterest expense to average assets | 3.2891% | 2,592 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6973% | 3,418 |
| Return on assets (ROA) | 0.6973% | 3,573 |
| Pretax return on assets | 0.8605% | 3,656 |
| Return on Equity (ROE) | 5.8888% | 3,856 |
| Retained earnings to average equity (ytd only) | 5.8888% | 2,401 |
| Net charge-offs to loans | 0.4607% | 3,157 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 2.6915% | 3,647 |
| Efficiency ratio | 79.2623% | 2,534 |
| Assets per employee ($millions) | 4.1354% | 3,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6091% | 7,400 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 7,290 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 70.4556% | 2,802 |
| Net loans and leases to deposits | 80.6944% | 3,484 |
| Net loans and leases to core deposits | 81.3591% | 4,508 |
| Total domestic deposits to total assets | 87.3117% | 2,372 |
| Equity capital to assets | 12.2478% | 1,952 |
| Core capital (leverage) ratio | 12.0059% | 1,639 |
| Tier 1 risk-based capital ratio | 17.2855% | 2,173 |
| Total risk-based capital ratio | 17.9148% | 2,366 |
| Memoranda: | ||
| Average total assets | $58,800,330 | 6,358 |
| Average earning assets | $51,439,330 | 6,426 |
| Average equity | $6,962,330 | 6,154 |
| Average total loans | $40,811,670 | 6,018 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6977% | 1,788 |
| Cost of funding earning assets | 1.2939% | 4,851 |
| Net interest margin | 4.4038% | 1,379 |
| Noninterest income to average assets | 0.2025% | 6,515 |
| Noninterest expense to average assets | 3.2269% | 2,769 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5806% | 3,983 |
| Return on assets (ROA) | 0.5806% | 4,127 |
| Pretax return on assets | 0.7898% | 3,907 |
| Return on Equity (ROE) | 4.9870% | 4,372 |
| Retained earnings to average equity (ytd only) | 4.9870% | 3,162 |
| Net charge-offs to loans | 0.2261% | 3,569 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 5.0870% | 2,473 |
| Efficiency ratio | 80.3361% | 2,512 |
| Assets per employee ($millions) | 4.1806% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7868% | 7,156 |
| Loan loss allowance to noncurrent loans | 52.3654% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 1.1379% | 4,890 |
| Noncurrent loans to loans | 1.5025% | 4,490 |
| Net loans and leases to total assets | 69.1618% | 3,120 |
| Net loans and leases to deposits | 78.9249% | 3,857 |
| Net loans and leases to core deposits | 79.5625% | 4,817 |
| Total domestic deposits to total assets | 87.6299% | 2,274 |
| Equity capital to assets | 11.8490% | 2,136 |
| Core capital (leverage) ratio | 11.6141% | 1,850 |
| Tier 1 risk-based capital ratio | 16.9152% | 2,292 |
| Total risk-based capital ratio | 17.7199% | 2,416 |
| Memoranda: | ||
| Average total assets | $59,252,500 | 6,417 |
| Average earning assets | $51,319,000 | 6,502 |
| Average equity | $6,898,000 | 6,227 |
| Average total loans | $40,697,000 | 6,092 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9502% | 2,049 |
| Cost of funding earning assets | 1.6496% | 4,795 |
| Net interest margin | 4.3006% | 1,718 |
| Noninterest income to average assets | 0.3709% | 5,438 |
| Noninterest expense to average assets | 3.2339% | 3,260 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6744% | 3,037 |
| Return on assets (ROA) | 0.6744% | 3,086 |
| Pretax return on assets | 0.8953% | 2,941 |
| Return on Equity (ROE) | 6.0568% | 3,184 |
| Retained earnings to average equity (ytd only) | 4.5426% | 2,076 |
| Net charge-offs to loans | 0.0311% | 6,814 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 40.8462% | 597 |
| Efficiency ratio | 78.3177% | 3,142 |
| Assets per employee ($millions) | 4.2841% | 3,299 |
| Cash dividends to net income (ytd only)* | 25.0000% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8474% | 6,990 |
| Loan loss allowance to noncurrent loans | 50.1458% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 1.1438% | 4,804 |
| Noncurrent loans to loans | 1.6899% | 4,111 |
| Net loans and leases to total assets | 67.1091% | 3,898 |
| Net loans and leases to deposits | 76.1661% | 4,717 |
| Net loans and leases to core deposits | 83.7983% | 5,737 |
| Total domestic deposits to total assets | 88.1088% | 1,918 |
| Equity capital to assets | 11.4394% | 2,363 |
| Core capital (leverage) ratio | 11.4191% | 1,964 |
| Tier 1 risk-based capital ratio | 16.8241% | 2,196 |
| Total risk-based capital ratio | 17.6928% | 2,291 |
| Memoranda: | ||
| Average total assets | $59,308,800 | 6,378 |
| Average earning assets | $51,829,800 | 6,470 |
| Average equity | $6,604,200 | 6,392 |
| Average total loans | $41,771,400 | 6,022 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9676% | 2,161 |
| Cost of funding earning assets | 1.7175% | 4,815 |
| Net interest margin | 4.2502% | 1,870 |
| Noninterest income to average assets | 0.4351% | 4,997 |
| Noninterest expense to average assets | 3.2058% | 3,283 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7394% | 3,063 |
| Return on assets (ROA) | 0.7394% | 3,128 |
| Pretax return on assets | 0.9671% | 3,004 |
| Return on Equity (ROE) | 6.6869% | 3,223 |
| Retained earnings to average equity (ytd only) | 4.6482% | 2,682 |
| Net charge-offs to loans | 0.0412% | 6,324 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 33.0058% | 869 |
| Efficiency ratio | 76.8233% | 3,355 |
| Assets per employee ($millions) | 3.8783% | 3,998 |
| Cash dividends to net income (ytd only)* | 30.4880% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8235% | 7,049 |
| Loan loss allowance to noncurrent loans | 452.6316% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 7,219 |
| Noncurrent loans to loans | 0.1819% | 7,040 |
| Net loans and leases to total assets | 71.2179% | 3,218 |
| Net loans and leases to deposits | 81.1593% | 4,173 |
| Net loans and leases to core deposits | 90.0302% | 5,430 |
| Total domestic deposits to total assets | 87.7508% | 1,777 |
| Equity capital to assets | 11.6339% | 2,481 |
| Core capital (leverage) ratio | 11.1695% | 2,288 |
| Tier 1 risk-based capital ratio | 16.0939% | 2,592 |
| Total risk-based capital ratio | 16.9341% | 2,682 |
| Memoranda: | ||
| Average total assets | $59,141,750 | 6,418 |
| Average earning assets | $52,012,500 | 6,499 |
| Average equity | $6,540,000 | 6,472 |
| Average total loans | $42,065,750 | 6,065 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9824% | 2,257 |
| Cost of funding earning assets | 1.7659% | 4,924 |
| Net interest margin | 4.2165% | 1,934 |
| Noninterest income to average assets | 0.5348% | 4,148 |
| Noninterest expense to average assets | 3.1918% | 3,362 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8106% | 2,814 |
| Return on assets (ROA) | 0.8106% | 2,910 |
| Pretax return on assets | 1.0292% | 2,887 |
| Return on Equity (ROE) | 7.4567% | 3,004 |
| Retained earnings to average equity (ytd only) | 4.3626% | 2,872 |
| Net charge-offs to loans | 0.0617% | 5,631 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 23.5385% | 1,180 |
| Efficiency ratio | 75.6175% | 3,759 |
| Assets per employee ($millions) | 3.5288% | 4,741 |
| Cash dividends to net income (ytd only)* | 41.4938% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7997% | 7,154 |
| Loan loss allowance to noncurrent loans | 441.0256% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.1300% | 7,234 |
| Noncurrent loans to loans | 0.1813% | 7,064 |
| Net loans and leases to total assets | 71.1330% | 3,438 |
| Net loans and leases to deposits | 80.3117% | 4,497 |
| Net loans and leases to core deposits | 91.7421% | 5,371 |
| Total domestic deposits to total assets | 88.5712% | 1,495 |
| Equity capital to assets | 11.0220% | 2,906 |
| Core capital (leverage) ratio | 10.8470% | 2,526 |
| Tier 1 risk-based capital ratio | 15.5856% | 2,779 |
| Total risk-based capital ratio | 16.4102% | 2,891 |
| Memoranda: | ||
| Average total assets | $59,464,000 | 6,464 |
| Average earning assets | $51,985,670 | 6,554 |
| Average equity | $6,464,000 | 6,544 |
| Average total loans | $42,162,670 | 6,105 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9039% | 2,776 |
| Cost of funding earning assets | 1.8160% | 5,040 |
| Net interest margin | 4.0879% | 2,324 |
| Noninterest income to average assets | 0.3446% | 5,697 |
| Noninterest expense to average assets | 3.1553% | 3,172 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5676% | 4,152 |
| Return on assets (ROA) | 0.5676% | 4,346 |
| Pretax return on assets | 0.7635% | 4,215 |
| Return on Equity (ROE) | 5.2582% | 4,352 |
| Retained earnings to average equity (ytd only) | -1.0016% | 5,887 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5172% | 2,742 |
| Assets per employee ($millions) | 3.7254% | 4,284 |
| Cash dividends to net income (ytd only)* | 119.0476% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8598% | 6,912 |
| Loan loss allowance to noncurrent loans | 120.6081% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.4966% | 5,977 |
| Noncurrent loans to loans | 0.7129% | 5,631 |
| Net loans and leases to total assets | 69.0556% | 3,901 |
| Net loans and leases to deposits | 77.8890% | 4,944 |
| Net loans and leases to core deposits | 89.8989% | 5,561 |
| Total domestic deposits to total assets | 88.6591% | 1,395 |
| Equity capital to assets | 10.8125% | 3,171 |
| Core capital (leverage) ratio | 10.9308% | 2,556 |
| Tier 1 risk-based capital ratio | 15.7954% | 2,757 |
| Total risk-based capital ratio | 16.6841% | 2,811 |
| Memoranda: | ||
| Average total assets | $59,201,500 | 6,499 |
| Average earning assets | $51,762,500 | 6,582 |
| Average equity | $6,390,000 | 6,620 |
| Average total loans | $41,736,000 | 6,156 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2117% | 4,453 |
| Cost of funding earning assets | 2.1403% | 5,873 |
| Net interest margin | 4.0714% | 2,824 |
| Noninterest income to average assets | 0.2868% | 6,415 |
| Noninterest expense to average assets | 3.3662% | 2,774 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5349% | 4,598 |
| Return on assets (ROA) | 0.5349% | 4,448 |
| Pretax return on assets | 0.6311% | 4,598 |
| Return on Equity (ROE) | 5.1113% | 4,327 |
| Retained earnings to average equity (ytd only) | 5.1113% | 1,956 |
| Net charge-offs to loans | 0.2461% | 3,810 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 3.5619% | 4,310 |
| Efficiency ratio | 84.2127% | 2,028 |
| Assets per employee ($millions) | 4.1997% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8510% | 6,899 |
| Loan loss allowance to noncurrent loans | 105.3097% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.5766% | 5,457 |
| Noncurrent loans to loans | 0.8080% | 5,023 |
| Net loans and leases to total assets | 70.7463% | 3,847 |
| Net loans and leases to deposits | 79.5289% | 5,127 |
| Net loans and leases to core deposits | 91.0536% | 5,716 |
| Total domestic deposits to total assets | 88.9567% | 1,062 |
| Equity capital to assets | 10.7745% | 3,230 |
| Core capital (leverage) ratio | 10.5074% | 2,973 |
| Tier 1 risk-based capital ratio | 15.5431% | 2,832 |
| Total risk-based capital ratio | 16.4154% | 2,894 |
| Memoranda: | ||
| Average total assets | $59,266,000 | 6,406 |
| Average earning assets | $54,010,800 | 6,415 |
| Average equity | $6,202,000 | 6,736 |
| Average total loans | $42,659,200 | 6,040 |