Home > Rushford State Bank (Incorporated) > Performance and Condition Ratios
Rushford State Bank (Incorporated), Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2296% | 3,576 |
| Cost of funding earning assets | 1.6251% | 1,621 |
| Net interest margin | 2.6044% | 3,956 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.4562% | 2,428 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1996% | 4,165 |
| Return on assets (ROA) | 0.2658% | 4,082 |
| Pretax return on assets | 0.2658% | 4,124 |
| Return on Equity (ROE) | 6.7200% | 3,353 |
| Retained earnings to average equity (ytd only) | 5.0972% | 2,577 |
| Net charge-offs to loans | 0.0076% | 2,394 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 50.5000% | 1,292 |
| Efficiency ratio | 92.4851% | 351 |
| Assets per employee ($millions) | 6.0815% | 2,752 |
| Cash dividends to net income (ytd only)* | 24.1636% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6162% | 808 |
| Loan loss allowance to noncurrent loans | 7,408.3333% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 3,694 |
| Noncurrent loans to loans | 0.0218% | 3,588 |
| Net loans and leases to total assets | 52.3400% | 3,462 |
| Net loans and leases to deposits | 57.9328% | 3,634 |
| Net loans and leases to core deposits | 64.5795% | 3,562 |
| Total domestic deposits to total assets | 90.3500% | 663 |
| Equity capital to assets | 4.4426% | 4,471 |
| Core capital (leverage) ratio | 5.5627% | 4,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5207% | 2,711 |
| Memoranda: | ||
| Average total assets | $101,212,000 | 3,826 |
| Average earning assets | $95,683,600 | 3,785 |
| Average equity | $4,002,200 | 4,356 |
| Average total loans | $52,664,000 | 3,800 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0998% | 3,661 |
| Cost of funding earning assets | 1.4924% | 1,631 |
| Net interest margin | 2.6074% | 4,023 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.5019% | 2,225 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1762% | 4,258 |
| Return on assets (ROA) | 0.2649% | 4,161 |
| Pretax return on assets | 0.2649% | 4,194 |
| Return on Equity (ROE) | 6.9200% | 3,450 |
| Retained earnings to average equity (ytd only) | 4.6697% | 3,054 |
| Net charge-offs to loans | 0.0051% | 2,281 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 66.5000% | 1,146 |
| Efficiency ratio | 93.4224% | 281 |
| Assets per employee ($millions) | 5.8839% | 2,848 |
| Cash dividends to net income (ytd only)* | 32.5000% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6495% | 786 |
| Loan loss allowance to noncurrent loans | 8,100.0000% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 3,745 |
| Noncurrent loans to loans | 0.0204% | 3,618 |
| Net loans and leases to total assets | 53.1100% | 3,416 |
| Net loans and leases to deposits | 58.8866% | 3,563 |
| Net loans and leases to core deposits | 65.8404% | 3,437 |
| Total domestic deposits to total assets | 90.1900% | 890 |
| Equity capital to assets | 3.8060% | 4,420 |
| Core capital (leverage) ratio | 5.5035% | 4,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0315% | 2,600 |
| Memoranda: | ||
| Average total assets | $100,668,500 | 3,843 |
| Average earning assets | $95,774,750 | 3,801 |
| Average equity | $3,854,500 | 4,378 |
| Average total loans | $52,079,000 | 3,815 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9417% | 3,802 |
| Cost of funding earning assets | 1.2591% | 1,827 |
| Net interest margin | 2.6826% | 3,995 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.5138% | 2,167 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2280% | 4,248 |
| Return on assets (ROA) | 0.3549% | 4,104 |
| Pretax return on assets | 0.3549% | 4,175 |
| Return on Equity (ROE) | 9.2500% | 2,907 |
| Retained earnings to average equity (ytd only) | 8.2163% | 1,901 |
| Net charge-offs to loans | -0.0039% | 3,657 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 91.6847% | 306 |
| Assets per employee ($millions) | 6.1076% | 2,619 |
| Cash dividends to net income (ytd only)* | 11.1732% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6804% | 779 |
| Loan loss allowance to noncurrent loans | 29,800.0000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 3,862 |
| Noncurrent loans to loans | 0.0056% | 3,765 |
| Net loans and leases to total assets | 50.3800% | 3,536 |
| Net loans and leases to deposits | 56.5261% | 3,608 |
| Net loans and leases to core deposits | 62.3973% | 3,522 |
| Total domestic deposits to total assets | 89.1200% | 1,211 |
| Equity capital to assets | 3.8159% | 4,517 |
| Core capital (leverage) ratio | 5.7075% | 4,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0780% | 2,605 |
| Memoranda: | ||
| Average total assets | $100,882,333 | 3,857 |
| Average earning assets | $96,100,667 | 3,813 |
| Average equity | $3,870,333 | 4,401 |
| Average total loans | $51,433,667 | 3,841 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9083% | 3,654 |
| Cost of funding earning assets | 1.1818% | 1,502 |
| Net interest margin | 2.7265% | 4,039 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.6798% | 1,725 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3420% | 4,184 |
| Return on assets (ROA) | 0.3420% | 4,137 |
| Pretax return on assets | 0.3420% | 4,214 |
| Return on Equity (ROE) | 8.8900% | 3,080 |
| Retained earnings to average equity (ytd only) | 8.8901% | 1,981 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.6818% | 401 |
| Assets per employee ($millions) | 5.7808% | 2,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7339% | 748 |
| Loan loss allowance to noncurrent loans | 1,717.3077% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 3,254 |
| Noncurrent loans to loans | 0.1010% | 3,031 |
| Net loans and leases to total assets | 51.5000% | 3,381 |
| Net loans and leases to deposits | 55.0650% | 3,626 |
| Net loans and leases to core deposits | 61.8513% | 3,455 |
| Total domestic deposits to total assets | 93.5200% | 227 |
| Equity capital to assets | 4.1283% | 4,533 |
| Core capital (leverage) ratio | 5.6256% | 4,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9491% | 2,743 |
| Memoranda: | ||
| Average total assets | $99,409,000 | 3,916 |
| Average earning assets | $94,773,500 | 3,873 |
| Average equity | $3,824,500 | 4,470 |
| Average total loans | $50,550,000 | 3,898 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6735% | 2,603 |
| Cost of funding earning assets | 0.7508% | 472 |
| Net interest margin | 2.9226% | 3,628 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.6229% | 1,762 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3491% | 4,317 |
| Return on assets (ROA) | 0.3491% | 4,284 |
| Pretax return on assets | 0.3491% | 4,330 |
| Return on Equity (ROE) | 7.7400% | 3,450 |
| Retained earnings to average equity (ytd only) | 4.6846% | 3,178 |
| Net charge-offs to loans | -0.0042% | 3,598 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 88.2535% | 352 |
| Assets per employee ($millions) | 6.2841% | 2,526 |
| Cash dividends to net income (ytd only)* | 39.4737% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8004% | 662 |
| Loan loss allowance to noncurrent loans | 29,766.6667% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 3,910 |
| Noncurrent loans to loans | 0.0060% | 3,826 |
| Net loans and leases to total assets | 48.4400% | 3,640 |
| Net loans and leases to deposits | 50.5774% | 3,870 |
| Net loans and leases to core deposits | 55.2749% | 3,754 |
| Total domestic deposits to total assets | 95.7800% | 92 |
| Equity capital to assets | 3.5725% | 4,561 |
| Core capital (leverage) ratio | 5.4778% | 4,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5748% | 2,540 |
| Memoranda: | ||
| Average total assets | $87,080,200 | 4,047 |
| Average earning assets | $82,973,600 | 4,007 |
| Average equity | $3,927,800 | 4,539 |
| Average total loans | $47,124,800 | 3,943 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5888% | 2,379 |
| Cost of funding earning assets | 0.7040% | 263 |
| Net interest margin | 2.8847% | 3,529 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.6423% | 1,616 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2962% | 4,384 |
| Return on assets (ROA) | 0.2962% | 4,342 |
| Pretax return on assets | 0.2962% | 4,379 |
| Return on Equity (ROE) | 6.1800% | 3,766 |
| Retained earnings to average equity (ytd only) | 2.1935% | 3,980 |
| Net charge-offs to loans | -0.0057% | 3,518 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.9187% | 323 |
| Assets per employee ($millions) | 5.6932% | 3,041 |
| Cash dividends to net income (ytd only)* | 64.5161% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7848% | 753 |
| 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 | 53.9500% | 3,108 |
| Net loans and leases to deposits | 56.0534% | 3,476 |
| Net loans and leases to core deposits | 60.9415% | 3,310 |
| Total domestic deposits to total assets | 96.2400% | 114 |
| Equity capital to assets | 3.2660% | 4,570 |
| Core capital (leverage) ratio | 5.8091% | 4,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5618% | 2,638 |
| Memoranda: | ||
| Average total assets | $83,714,000 | 4,113 |
| Average earning assets | $79,728,250 | 4,069 |
| Average equity | $4,011,750 | 4,576 |
| Average total loans | $46,506,250 | 3,975 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4987% | 2,147 |
| Cost of funding earning assets | 0.6796% | 176 |
| Net interest margin | 2.8191% | 3,385 |
| Noninterest income to average assets | 0.1797% | 4,106 |
| Noninterest expense to average assets | 2.6435% | 1,514 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2215% | 4,395 |
| Return on assets (ROA) | 0.2215% | 4,354 |
| Pretax return on assets | 0.2215% | 4,387 |
| Return on Equity (ROE) | 4.1310% | 4,006 |
| Retained earnings to average equity (ytd only) | -1.3770% | 4,329 |
| Net charge-offs to loans | -0.0132% | 3,703 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2680% | 335 |
| Assets per employee ($millions) | 5.6394% | 3,097 |
| Cash dividends to net income (ytd only)* | 133.3333% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8870% | 682 |
| Loan loss allowance to noncurrent loans | 44,700.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 4,046 |
| Noncurrent loans to loans | 0.0042% | 3,965 |
| Net loans and leases to total assets | 51.5172% | 3,214 |
| Net loans and leases to deposits | 53.8595% | 3,547 |
| Net loans and leases to core deposits | 57.5889% | 3,458 |
| Total domestic deposits to total assets | 95.6511% | 102 |
| Equity capital to assets | 4.1051% | 4,612 |
| Core capital (leverage) ratio | 6.1320% | 4,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2074% | 2,407 |
| Memoranda: | ||
| Average total assets | $81,255,000 | 4,184 |
| Average earning assets | $77,401,000 | 4,151 |
| Average equity | $4,357,333 | 4,586 |
| Average total loans | $45,330,000 | 4,043 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5275% | 1,714 |
| Cost of funding earning assets | 0.6857% | 160 |
| Net interest margin | 2.8417% | 3,006 |
| Noninterest income to average assets | 0.2084% | 3,911 |
| Noninterest expense to average assets | 2.6365% | 1,509 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2709% | 4,196 |
| Return on assets (ROA) | 0.2709% | 4,165 |
| Pretax return on assets | 0.2709% | 4,228 |
| Return on Equity (ROE) | 4.4406% | 3,771 |
| Retained earnings to average equity (ytd only) | -3.8429% | 4,363 |
| Net charge-offs to loans | -0.0271% | 4,042 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6810% | 516 |
| Assets per employee ($millions) | 5.2645% | 3,533 |
| Cash dividends to net income (ytd only)* | 186.5385% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9989% | 614 |
| 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 | 55.5042% | 2,577 |
| Net loans and leases to deposits | 58.7707% | 3,008 |
| Net loans and leases to core deposits | 62.4849% | 2,931 |
| Total domestic deposits to total assets | 94.4420% | 80 |
| Equity capital to assets | 5.2997% | 4,690 |
| Core capital (leverage) ratio | 6.8310% | 4,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1553% | 2,549 |
| Memoranda: | ||
| Average total assets | $76,767,500 | 4,262 |
| Average earning assets | $72,913,000 | 4,228 |
| Average equity | $4,684,000 | 4,594 |
| Average total loans | $44,306,000 | 4,073 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2323% | 942 |
| Cost of funding earning assets | 0.7479% | 261 |
| Net interest margin | 3.4844% | 1,787 |
| Noninterest income to average assets | 0.2165% | 4,066 |
| Noninterest expense to average assets | 2.8964% | 1,162 |
| Loan and lease loss provision to assets | 0.0633% | 1,808 |
| Net operating income to assets | 0.5779% | 3,924 |
| Return on assets (ROA) | 0.5779% | 3,968 |
| Pretax return on assets | 0.5779% | 4,139 |
| Return on Equity (ROE) | 7.9837% | 3,224 |
| Retained earnings to average equity (ytd only) | 5.3419% | 2,649 |
| Net charge-offs to loans | -0.2027% | 4,710 |
| Credit loss provision to net charge-offs | -50.5618% | 3,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8760% | 685 |
| Assets per employee ($millions) | 4.9712% | 3,758 |
| Cash dividends to net income (ytd only)* | 33.0900% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0302% | 578 |
| Loan loss allowance to noncurrent loans | 44,550.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 4,162 |
| Noncurrent loans to loans | 0.0046% | 4,086 |
| Net loans and leases to total assets | 57.6615% | 2,407 |
| Net loans and leases to deposits | 62.1434% | 2,869 |
| Net loans and leases to core deposits | 67.0268% | 2,730 |
| Total domestic deposits to total assets | 92.7878% | 63 |
| Equity capital to assets | 6.9507% | 4,729 |
| Core capital (leverage) ratio | 7.1108% | 4,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6014% | 2,410 |
| Memoranda: | ||
| Average total assets | $71,123,400 | 4,330 |
| Average earning assets | $67,787,800 | 4,293 |
| Average equity | $5,148,000 | 4,618 |
| Average total loans | $43,915,000 | 4,111 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4421% | 753 |
| Cost of funding earning assets | 0.7695% | 281 |
| Net interest margin | 3.6726% | 1,401 |
| Noninterest income to average assets | 0.2239% | 4,064 |
| Noninterest expense to average assets | 2.9792% | 1,007 |
| Loan and lease loss provision to assets | 0.0854% | 1,396 |
| Net operating income to assets | 0.6642% | 3,856 |
| Return on assets (ROA) | 0.6642% | 3,912 |
| Pretax return on assets | 0.6642% | 4,133 |
| Return on Equity (ROE) | 9.0802% | 3,087 |
| Retained earnings to average equity (ytd only) | 5.5519% | 3,021 |
| Net charge-offs to loans | -0.3036% | 4,805 |
| Credit loss provision to net charge-offs | -45.0000% | 3,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8982% | 753 |
| Assets per employee ($millions) | 4.7281% | 3,937 |
| Cash dividends to net income (ytd only)* | 38.8571% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9987% | 634 |
| Loan loss allowance to noncurrent loans | 777.5862% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.1636% | 3,029 |
| Noncurrent loans to loans | 0.2570% | 2,903 |
| Net loans and leases to total assets | 62.3623% | 1,963 |
| Net loans and leases to deposits | 67.5629% | 2,478 |
| Net loans and leases to core deposits | 73.0064% | 2,316 |
| Total domestic deposits to total assets | 92.3027% | 77 |
| Equity capital to assets | 7.3265% | 4,751 |
| Core capital (leverage) ratio | 7.2207% | 4,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2886% | 2,618 |
| Memoranda: | ||
| Average total assets | $70,262,250 | 4,396 |
| Average earning assets | $67,053,250 | 4,354 |
| Average equity | $5,139,250 | 4,685 |
| Average total loans | $43,921,750 | 4,166 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6484% | 579 |
| Cost of funding earning assets | 0.7787% | 319 |
| Net interest margin | 3.8696% | 1,029 |
| Noninterest income to average assets | 0.2199% | 4,087 |
| Noninterest expense to average assets | 2.9782% | 1,020 |
| Loan and lease loss provision to assets | 0.1285% | 973 |
| Net operating income to assets | 0.8024% | 3,507 |
| Return on assets (ROA) | 0.8024% | 3,581 |
| Pretax return on assets | 0.8024% | 3,864 |
| Return on Equity (ROE) | 10.9758% | 2,431 |
| Retained earnings to average equity (ytd only) | 6.8746% | 2,477 |
| Net charge-offs to loans | -0.3631% | 4,860 |
| Credit loss provision to net charge-offs | -56.9620% | 2,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1870% | 1,068 |
| Assets per employee ($millions) | 4.8091% | 3,831 |
| Cash dividends to net income (ytd only)* | 37.3665% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0181% | 593 |
| Loan loss allowance to noncurrent loans | 391.5556% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.3119% | 2,357 |
| Noncurrent loans to loans | 0.5154% | 2,133 |
| Net loans and leases to total assets | 59.2949% | 2,507 |
| Net loans and leases to deposits | 65.6340% | 2,857 |
| Net loans and leases to core deposits | 70.9184% | 2,696 |
| Total domestic deposits to total assets | 90.3419% | 628 |
| Equity capital to assets | 7.1767% | 4,808 |
| Core capital (leverage) ratio | 7.1691% | 4,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9301% | 2,388 |
| Memoranda: | ||
| Average total assets | $70,042,667 | 4,424 |
| Average earning assets | $66,776,333 | 4,385 |
| Average equity | $5,120,333 | 4,712 |
| Average total loans | $43,519,000 | 4,206 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0787% | 313 |
| Cost of funding earning assets | 0.7758% | 397 |
| Net interest margin | 4.3030% | 517 |
| Noninterest income to average assets | 0.2145% | 4,109 |
| Noninterest expense to average assets | 3.0842% | 857 |
| Loan and lease loss provision to assets | 0.2609% | 387 |
| Net operating income to assets | 0.9856% | 2,856 |
| Return on assets (ROA) | 0.9856% | 2,952 |
| Pretax return on assets | 0.9856% | 3,416 |
| Return on Equity (ROE) | 13.3543% | 1,577 |
| Retained earnings to average equity (ytd only) | 10.5263% | 1,508 |
| Net charge-offs to loans | -0.1933% | 4,778 |
| Credit loss provision to net charge-offs | -214.2857% | 2,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2182% | 1,582 |
| Assets per employee ($millions) | 4.6965% | 3,926 |
| Cash dividends to net income (ytd only)* | 21.1765% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8857% | 758 |
| Loan loss allowance to noncurrent loans | 467.6136% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 2,885 |
| Noncurrent loans to loans | 0.4033% | 2,655 |
| Net loans and leases to total assets | 60.7861% | 2,430 |
| Net loans and leases to deposits | 67.3514% | 2,773 |
| Net loans and leases to core deposits | 72.8873% | 2,625 |
| Total domestic deposits to total assets | 90.2522% | 697 |
| Equity capital to assets | 7.2437% | 4,790 |
| Core capital (leverage) ratio | 7.5106% | 4,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8740% | 2,334 |
| Memoranda: | ||
| Average total assets | $68,996,000 | 4,449 |
| Average earning assets | $66,000,500 | 4,412 |
| Average equity | $5,092,000 | 4,740 |
| Average total loans | $43,451,500 | 4,224 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6708% | 947 |
| Cost of funding earning assets | 0.8681% | 955 |
| Net interest margin | 3.8027% | 1,493 |
| Noninterest income to average assets | 0.2517% | 3,980 |
| Noninterest expense to average assets | 3.1358% | 1,170 |
| Loan and lease loss provision to assets | 0.2405% | 1,622 |
| Net operating income to assets | 0.4922% | 4,045 |
| Return on assets (ROA) | 0.4922% | 4,129 |
| Pretax return on assets | 0.4922% | 4,287 |
| Return on Equity (ROE) | 6.1309% | 3,539 |
| Retained earnings to average equity (ytd only) | 1.9970% | 3,823 |
| Net charge-offs to loans | 0.1376% | 1,168 |
| Credit loss provision to net charge-offs | 250.0000% | 1,939 |
| Earnings coverage of net charge-offs (x) | 7.6167% | 2,680 |
| Efficiency ratio | 81.0609% | 808 |
| Assets per employee ($millions) | 4.8246% | 3,579 |
| Cash dividends to net income (ytd only)* | 67.4267% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7500% | 948 |
| Loan loss allowance to noncurrent loans | 272.3022% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.4116% | 2,353 |
| Noncurrent loans to loans | 0.6427% | 2,075 |
| Net loans and leases to total assets | 62.9225% | 2,494 |
| Net loans and leases to deposits | 70.0135% | 2,877 |
| Net loans and leases to core deposits | 76.0291% | 2,727 |
| Total domestic deposits to total assets | 89.8719% | 616 |
| Equity capital to assets | 7.5224% | 4,838 |
| Core capital (leverage) ratio | 7.4470% | 4,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4286% | 2,476 |
| Memoranda: | ||
| Average total assets | $62,375,800 | 4,479 |
| Average earning assets | $59,325,800 | 4,448 |
| Average equity | $5,007,400 | 4,752 |
| Average total loans | $43,596,200 | 4,241 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8513% | 800 |
| Cost of funding earning assets | 0.8752% | 1,153 |
| Net interest margin | 3.9761% | 1,169 |
| Noninterest income to average assets | 0.2336% | 4,100 |
| Noninterest expense to average assets | 3.1803% | 1,101 |
| Loan and lease loss provision to assets | 0.2292% | 1,771 |
| Net operating income to assets | 0.6024% | 3,757 |
| Return on assets (ROA) | 0.6024% | 3,858 |
| Pretax return on assets | 0.6024% | 4,094 |
| Return on Equity (ROE) | 7.3760% | 3,065 |
| Retained earnings to average equity (ytd only) | 3.1803% | 3,440 |
| Net charge-offs to loans | 0.1099% | 1,243 |
| Credit loss provision to net charge-offs | 291.6667% | 1,793 |
| Earnings coverage of net charge-offs (x) | 10.5833% | 2,349 |
| Efficiency ratio | 79.2709% | 920 |
| Assets per employee ($millions) | 4.2599% | 4,081 |
| Cash dividends to net income (ytd only)* | 56.8841% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6943% | 903 |
| Loan loss allowance to noncurrent loans | 256.4460% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 2,388 |
| Noncurrent loans to loans | 0.6607% | 2,136 |
| Net loans and leases to total assets | 66.8305% | 2,407 |
| Net loans and leases to deposits | 74.9088% | 2,862 |
| Net loans and leases to core deposits | 81.2342% | 2,730 |
| Total domestic deposits to total assets | 89.2158% | 682 |
| Equity capital to assets | 7.9485% | 4,732 |
| Core capital (leverage) ratio | 7.8044% | 4,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6109% | 2,360 |
| Memoranda: | ||
| Average total assets | $61,083,500 | 4,518 |
| Average earning assets | $58,045,250 | 4,484 |
| Average equity | $4,989,000 | 4,778 |
| Average total loans | $43,680,750 | 4,263 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0233% | 795 |
| Cost of funding earning assets | 0.8553% | 1,575 |
| Net interest margin | 4.1680% | 983 |
| Noninterest income to average assets | 0.2527% | 3,962 |
| Noninterest expense to average assets | 3.2621% | 1,058 |
| Loan and lease loss provision to assets | 0.1995% | 2,053 |
| Net operating income to assets | 0.7449% | 3,228 |
| Return on assets (ROA) | 0.7449% | 3,344 |
| Pretax return on assets | 0.7449% | 3,755 |
| Return on Equity (ROE) | 9.0341% | 2,349 |
| Retained earnings to average equity (ytd only) | 3.8314% | 2,996 |
| Net charge-offs to loans | 0.1691% | 877 |
| Credit loss provision to net charge-offs | 162.1622% | 2,072 |
| Earnings coverage of net charge-offs (x) | 7.6757% | 2,348 |
| Efficiency ratio | 77.5494% | 1,096 |
| Assets per employee ($millions) | 4.4916% | 3,797 |
| Cash dividends to net income (ytd only)* | 57.5893% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5572% | 1,108 |
| Loan loss allowance to noncurrent loans | 235.4949% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.4660% | 2,458 |
| Noncurrent loans to loans | 0.6613% | 2,209 |
| Net loans and leases to total assets | 69.3664% | 2,131 |
| Net loans and leases to deposits | 77.8160% | 2,681 |
| Net loans and leases to core deposits | 84.8404% | 2,537 |
| Total domestic deposits to total assets | 89.1416% | 695 |
| Equity capital to assets | 8.0055% | 4,714 |
| Core capital (leverage) ratio | 8.1148% | 4,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6663% | 2,331 |
| Memoranda: | ||
| Average total assets | $60,145,000 | 4,540 |
| Average earning assets | $57,053,667 | 4,510 |
| Average equity | $4,959,000 | 4,807 |
| Average total loans | $43,761,000 | 4,273 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0853% | 819 |
| Cost of funding earning assets | 0.8487% | 2,117 |
| Net interest margin | 4.2365% | 853 |
| Noninterest income to average assets | 0.2858% | 3,813 |
| Noninterest expense to average assets | 3.3142% | 1,196 |
| Loan and lease loss provision to assets | 0.1021% | 2,410 |
| Net operating income to assets | 0.8779% | 2,588 |
| Return on assets (ROA) | 0.8779% | 2,692 |
| Pretax return on assets | 0.8779% | 3,197 |
| Return on Equity (ROE) | 10.4846% | 1,585 |
| Retained earnings to average equity (ytd only) | 5.4455% | 2,089 |
| Net charge-offs to loans | 0.3587% | 394 |
| Credit loss provision to net charge-offs | 38.4615% | 2,105 |
| Earnings coverage of net charge-offs (x) | 3.6923% | 2,191 |
| Efficiency ratio | 77.1791% | 1,438 |
| Assets per employee ($millions) | 4.5692% | 3,172 |
| Cash dividends to net income (ytd only)* | 48.0620% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4663% | 1,464 |
| Loan loss allowance to noncurrent loans | 195.4407% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5539% | 2,332 |
| Noncurrent loans to loans | 0.7502% | 2,126 |
| Net loans and leases to total assets | 72.7453% | 1,814 |
| Net loans and leases to deposits | 82.1358% | 2,435 |
| Net loans and leases to core deposits | 89.2123% | 2,424 |
| Total domestic deposits to total assets | 88.5671% | 851 |
| Equity capital to assets | 8.3857% | 4,872 |
| Core capital (leverage) ratio | 8.4539% | 4,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4676% | 2,491 |
| Memoranda: | ||
| Average total assets | $58,776,500 | 4,573 |
| Average earning assets | $55,611,500 | 4,548 |
| Average equity | $4,921,500 | 4,847 |
| Average total loans | $43,487,000 | 4,290 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2949% | 827 |
| Cost of funding earning assets | 0.8218% | 2,581 |
| Net interest margin | 4.4731% | 758 |
| Noninterest income to average assets | 0.3959% | 3,321 |
| Noninterest expense to average assets | 3.7402% | 722 |
| Loan and lease loss provision to assets | 0.1537% | 1,371 |
| Net operating income to assets | 0.7231% | 3,789 |
| Return on assets (ROA) | 0.7231% | 3,859 |
| Pretax return on assets | 0.7231% | 4,155 |
| Return on Equity (ROE) | 8.5415% | 2,926 |
| Retained earnings to average equity (ytd only) | 5.7442% | 2,006 |
| Net charge-offs to loans | 0.1175% | 1,572 |
| Credit loss provision to net charge-offs | 166.6667% | 1,551 |
| Earnings coverage of net charge-offs (x) | 9.5098% | 2,655 |
| Efficiency ratio | 81.0102% | 864 |
| Assets per employee ($millions) | 4.1539% | 3,694 |
| Cash dividends to net income (ytd only)* | 32.7500% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5468% | 1,095 |
| Loan loss allowance to noncurrent loans | 186.3128% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.6156% | 2,047 |
| Noncurrent loans to loans | 0.8302% | 1,848 |
| Net loans and leases to total assets | 73.0027% | 1,923 |
| Net loans and leases to deposits | 82.3950% | 2,507 |
| Net loans and leases to core deposits | 88.1282% | 2,588 |
| Total domestic deposits to total assets | 88.6010% | 837 |
| Equity capital to assets | 8.3606% | 4,966 |
| Core capital (leverage) ratio | 8.3962% | 4,898 |
| Tier 1 risk-based capital ratio | 12.1627% | 4,267 |
| Total risk-based capital ratio | 13.4157% | 4,154 |
| Memoranda: | ||
| Average total assets | $55,317,800 | 4,659 |
| Average earning assets | $52,200,800 | 4,638 |
| Average equity | $4,683,000 | 4,922 |
| Average total loans | $43,412,400 | 4,322 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3200% | 829 |
| Cost of funding earning assets | 0.7926% | 2,754 |
| Net interest margin | 4.5275% | 723 |
| Noninterest income to average assets | 0.4273% | 3,161 |
| Noninterest expense to average assets | 3.8163% | 642 |
| Loan and lease loss provision to assets | 0.1709% | 1,078 |
| Net operating income to assets | 0.7081% | 3,985 |
| Return on assets (ROA) | 0.7081% | 4,054 |
| Pretax return on assets | 0.7081% | 4,326 |
| Return on Equity (ROE) | 8.3408% | 3,179 |
| Retained earnings to average equity (ytd only) | 4.5729% | 3,117 |
| Net charge-offs to loans | -0.0276% | 4,674 |
| Credit loss provision to net charge-offs | -777.7778% | 4,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2793% | 810 |
| Assets per employee ($millions) | 4.3152% | 3,462 |
| Cash dividends to net income (ytd only)* | 45.1715% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6219% | 956 |
| Loan loss allowance to noncurrent loans | 181.6327% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.6988% | 1,954 |
| Noncurrent loans to loans | 0.8930% | 1,791 |
| Net loans and leases to total assets | 76.9845% | 1,323 |
| Net loans and leases to deposits | 87.2092% | 2,034 |
| Net loans and leases to core deposits | 94.5589% | 2,127 |
| Total domestic deposits to total assets | 88.2757% | 923 |
| Equity capital to assets | 8.5513% | 4,975 |
| Core capital (leverage) ratio | 8.5897% | 4,896 |
| Tier 1 risk-based capital ratio | 11.5419% | 4,651 |
| Total risk-based capital ratio | 12.7966% | 4,551 |
| Memoranda: | ||
| Average total assets | $54,606,250 | 4,742 |
| Average earning assets | $51,477,000 | 4,715 |
| Average equity | $4,635,750 | 4,995 |
| Average total loans | $43,485,250 | 4,375 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2402% | 911 |
| Cost of funding earning assets | 0.7564% | 2,866 |
| Net interest margin | 4.4838% | 801 |
| Noninterest income to average assets | 0.4729% | 2,823 |
| Noninterest expense to average assets | 3.8827% | 611 |
| Loan and lease loss provision to assets | 0.2032% | 834 |
| Net operating income to assets | 0.6132% | 4,274 |
| Return on assets (ROA) | 0.6132% | 4,309 |
| Pretax return on assets | 0.6132% | 4,520 |
| Return on Equity (ROE) | 7.2007% | 3,600 |
| Retained earnings to average equity (ytd only) | 2.7762% | 3,820 |
| Net charge-offs to loans | -0.0138% | 4,426 |
| Credit loss provision to net charge-offs | -1,833.3333% | 4,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6258% | 761 |
| Assets per employee ($millions) | 3.7059% | 4,237 |
| Cash dividends to net income (ytd only)* | 61.4458% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 1,069 |
| Loan loss allowance to noncurrent loans | 131.6190% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.9444% | 1,474 |
| Noncurrent loans to loans | 1.2013% | 1,333 |
| Net loans and leases to total assets | 77.3764% | 1,332 |
| Net loans and leases to deposits | 87.5028% | 2,058 |
| Net loans and leases to core deposits | 93.8532% | 2,254 |
| Total domestic deposits to total assets | 88.4274% | 907 |
| Equity capital to assets | 8.4299% | 5,067 |
| Core capital (leverage) ratio | 8.6255% | 4,894 |
| Tier 1 risk-based capital ratio | 11.4197% | 4,726 |
| Total risk-based capital ratio | 12.6744% | 4,619 |
| Memoranda: | ||
| Average total assets | $54,138,000 | 4,783 |
| Average earning assets | $51,028,330 | 4,761 |
| Average equity | $4,610,670 | 5,031 |
| Average total loans | $43,347,670 | 4,409 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2690% | 803 |
| Cost of funding earning assets | 0.7174% | 2,961 |
| Net interest margin | 4.5516% | 674 |
| Noninterest income to average assets | 0.5317% | 2,376 |
| Noninterest expense to average assets | 3.6545% | 796 |
| Loan and lease loss provision to assets | 0.2247% | 691 |
| Net operating income to assets | 0.9286% | 3,126 |
| Return on assets (ROA) | 0.9286% | 3,162 |
| Pretax return on assets | 0.9286% | 3,666 |
| Return on Equity (ROE) | 10.8463% | 2,004 |
| Retained earnings to average equity (ytd only) | 6.4728% | 2,254 |
| Net charge-offs to loans | -0.0185% | 4,465 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0125% | 1,496 |
| Assets per employee ($millions) | 3.7858% | 4,213 |
| Cash dividends to net income (ytd only)* | 40.3226% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5413% | 1,209 |
| Loan loss allowance to noncurrent loans | 167.9293% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 1,881 |
| Noncurrent loans to loans | 0.9178% | 1,824 |
| Net loans and leases to total assets | 80.1494% | 815 |
| Net loans and leases to deposits | 88.3013% | 1,836 |
| Net loans and leases to core deposits | 91.7257% | 2,324 |
| Total domestic deposits to total assets | 90.7681% | 215 |
| Equity capital to assets | 8.8074% | 4,816 |
| Core capital (leverage) ratio | 8.9002% | 4,721 |
| Tier 1 risk-based capital ratio | 11.7003% | 4,623 |
| Total risk-based capital ratio | 12.9531% | 4,515 |
| Memoranda: | ||
| Average total assets | $53,413,000 | 4,848 |
| Average earning assets | $50,180,500 | 4,826 |
| Average equity | $4,573,000 | 5,078 |
| Average total loans | $43,170,000 | 4,456 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1931% | 710 |
| Cost of funding earning assets | 0.6234% | 2,565 |
| Net interest margin | 4.5697% | 656 |
| Noninterest income to average assets | 0.4485% | 3,112 |
| Noninterest expense to average assets | 3.8428% | 650 |
| Loan and lease loss provision to assets | 0.2252% | 791 |
| Net operating income to assets | 0.6717% | 4,228 |
| Return on assets (ROA) | 0.6717% | 4,236 |
| Pretax return on assets | 0.6717% | 4,484 |
| Return on Equity (ROE) | 8.1549% | 3,375 |
| Retained earnings to average equity (ytd only) | 6.0137% | 2,188 |
| Net charge-offs to loans | 0.0070% | 3,437 |
| Credit loss provision to net charge-offs | 4,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 159.3333% | 541 |
| Efficiency ratio | 81.0768% | 873 |
| Assets per employee ($millions) | 4.4854% | 3,194 |
| Cash dividends to net income (ytd only)* | 26.2570% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4678% | 1,393 |
| Loan loss allowance to noncurrent loans | 166.4042% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.7078% | 1,957 |
| Noncurrent loans to loans | 0.8820% | 1,825 |
| Net loans and leases to total assets | 79.0729% | 1,083 |
| Net loans and leases to deposits | 86.7370% | 2,185 |
| Net loans and leases to core deposits | 90.0190% | 2,575 |
| Total domestic deposits to total assets | 91.1640% | 169 |
| Equity capital to assets | 8.3196% | 5,036 |
| Core capital (leverage) ratio | 8.6501% | 4,918 |
| Tier 1 risk-based capital ratio | 11.3024% | 4,810 |
| Total risk-based capital ratio | 12.5537% | 4,718 |
| Memoranda: | ||
| Average total assets | $53,294,000 | 4,884 |
| Average earning assets | $50,046,800 | 4,854 |
| Average equity | $4,390,000 | 5,123 |
| Average total loans | $42,879,800 | 4,474 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1619% | 677 |
| Cost of funding earning assets | 0.6052% | 2,434 |
| Net interest margin | 4.5567% | 654 |
| Noninterest income to average assets | 0.4690% | 3,049 |
| Noninterest expense to average assets | 4.1709% | 413 |
| Loan and lease loss provision to assets | 0.2257% | 725 |
| Net operating income to assets | 0.3586% | 5,015 |
| Return on assets (ROA) | 0.3586% | 5,014 |
| Pretax return on assets | 0.3586% | 5,078 |
| Return on Equity (ROE) | 4.3649% | 4,728 |
| Retained earnings to average equity (ytd only) | 1.4957% | 4,730 |
| Net charge-offs to loans | -0.0343% | 4,797 |
| Credit loss provision to net charge-offs | -818.1818% | 4,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7110% | 418 |
| Assets per employee ($millions) | 4.4973% | 3,132 |
| Cash dividends to net income (ytd only)* | 65.7348% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 1,757 |
| Loan loss allowance to noncurrent loans | 177.8098% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.6430% | 2,261 |
| Noncurrent loans to loans | 0.7792% | 2,146 |
| Net loans and leases to total assets | 81.3686% | 813 |
| Net loans and leases to deposits | 94.5382% | 1,318 |
| Net loans and leases to core deposits | 98.3076% | 1,914 |
| Total domestic deposits to total assets | 86.0695% | 2,158 |
| Equity capital to assets | 8.0900% | 5,141 |
| Core capital (leverage) ratio | 8.5088% | 5,092 |
| Tier 1 risk-based capital ratio | 10.8409% | 5,106 |
| Total risk-based capital ratio | 12.0927% | 5,013 |
| Memoranda: | ||
| Average total assets | $53,161,250 | 4,942 |
| Average earning assets | $50,006,250 | 4,909 |
| Average equity | $4,368,000 | 5,192 |
| Average total loans | $42,801,000 | 4,529 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0925% | 674 |
| Cost of funding earning assets | 0.5703% | 2,432 |
| Net interest margin | 4.5222% | 667 |
| Noninterest income to average assets | 0.5218% | 2,741 |
| Noninterest expense to average assets | 4.0913% | 478 |
| Loan and lease loss provision to assets | 0.2269% | 715 |
| Net operating income to assets | 0.4613% | 4,837 |
| Return on assets (ROA) | 0.4613% | 4,838 |
| Pretax return on assets | 0.4613% | 4,967 |
| Return on Equity (ROE) | 5.5852% | 4,381 |
| Retained earnings to average equity (ytd only) | 3.3878% | 3,885 |
| Net charge-offs to loans | -0.0284% | 4,722 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6013% | 591 |
| Assets per employee ($millions) | 4.3780% | 3,311 |
| Cash dividends to net income (ytd only)* | 39.3443% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 1,924 |
| Loan loss allowance to noncurrent loans | 257.5221% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.4302% | 3,002 |
| Noncurrent loans to loans | 0.5261% | 2,843 |
| Net loans and leases to total assets | 80.6628% | 917 |
| Net loans and leases to deposits | 92.0819% | 1,571 |
| Net loans and leases to core deposits | 95.7737% | 2,076 |
| Total domestic deposits to total assets | 87.5990% | 1,591 |
| Equity capital to assets | 8.3885% | 5,024 |
| Core capital (leverage) ratio | 8.6929% | 4,964 |
| Tier 1 risk-based capital ratio | 11.3201% | 4,885 |
| Total risk-based capital ratio | 12.5704% | 4,783 |
| Memoranda: | ||
| Average total assets | $52,892,330 | 5,002 |
| Average earning assets | $49,798,330 | 4,970 |
| Average equity | $4,368,670 | 5,249 |
| Average total loans | $42,224,670 | 4,580 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0529% | 623 |
| Cost of funding earning assets | 0.5597% | 2,321 |
| Net interest margin | 4.4932% | 627 |
| Noninterest income to average assets | 0.3392% | 3,881 |
| Noninterest expense to average assets | 4.2057% | 404 |
| Loan and lease loss provision to assets | 0.2261% | 697 |
| Net operating income to assets | 0.1432% | 5,292 |
| Return on assets (ROA) | 0.1432% | 5,289 |
| Pretax return on assets | 0.1432% | 5,308 |
| Return on Equity (ROE) | 1.7473% | 5,213 |
| Retained earnings to average equity (ytd only) | -2.6670% | 5,058 |
| Net charge-offs to loans | -0.0669% | 5,090 |
| Credit loss provision to net charge-offs | -428.5714% | 3,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9275% | 368 |
| Assets per employee ($millions) | 4.3558% | 3,390 |
| Cash dividends to net income (ytd only)* | 252.6316% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3078% | 2,213 |
| Loan loss allowance to noncurrent loans | 171.9626% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.7155% | 2,175 |
| Noncurrent loans to loans | 0.7605% | 2,298 |
| Net loans and leases to total assets | 79.6958% | 978 |
| Net loans and leases to deposits | 87.2361% | 2,025 |
| Net loans and leases to core deposits | 87.7322% | 2,654 |
| Total domestic deposits to total assets | 91.3564% | 214 |
| Equity capital to assets | 8.2303% | 5,160 |
| Core capital (leverage) ratio | 8.4594% | 5,168 |
| Tier 1 risk-based capital ratio | 10.9350% | 5,165 |
| Total risk-based capital ratio | 12.1860% | 5,074 |
| Memoranda: | ||
| Average total assets | $53,070,500 | 5,057 |
| Average earning assets | $50,031,000 | 5,029 |
| Average equity | $4,349,500 | 5,307 |
| Average total loans | $41,857,500 | 4,639 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8144% | 952 |
| Cost of funding earning assets | 0.5536% | 1,923 |
| Net interest margin | 4.2608% | 1,054 |
| Noninterest income to average assets | 0.4424% | 3,355 |
| Noninterest expense to average assets | 3.6829% | 815 |
| Loan and lease loss provision to assets | 0.2240% | 879 |
| Net operating income to assets | 0.5581% | 4,197 |
| Return on assets (ROA) | 0.5581% | 4,232 |
| Pretax return on assets | 0.5581% | 4,829 |
| Return on Equity (ROE) | 6.9425% | 3,308 |
| Retained earnings to average equity (ytd only) | 3.9472% | 2,827 |
| Net charge-offs to loans | 0.2151% | 1,206 |
| Credit loss provision to net charge-offs | 133.3333% | 1,977 |
| Earnings coverage of net charge-offs (x) | 4.6556% | 3,437 |
| Efficiency ratio | 82.4833% | 890 |
| Assets per employee ($millions) | 4.1439% | 3,754 |
| Cash dividends to net income (ytd only)* | 43.1438% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 2,512 |
| Loan loss allowance to noncurrent loans | 180.4196% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.6311% | 2,434 |
| Noncurrent loans to loans | 0.6891% | 2,495 |
| Net loans and leases to total assets | 76.0892% | 1,575 |
| Net loans and leases to deposits | 84.9305% | 2,382 |
| Net loans and leases to core deposits | 85.4083% | 2,950 |
| Total domestic deposits to total assets | 89.5899% | 736 |
| Equity capital to assets | 8.1621% | 5,323 |
| Core capital (leverage) ratio | 8.4158% | 5,211 |
| Tier 1 risk-based capital ratio | 11.2441% | 5,017 |
| Total risk-based capital ratio | 12.4941% | 4,895 |
| Memoranda: | ||
| Average total assets | $53,572,400 | 5,087 |
| Average earning assets | $50,577,800 | 5,049 |
| Average equity | $4,306,800 | 5,373 |
| Average total loans | $41,834,600 | 4,672 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7855% | 950 |
| Cost of funding earning assets | 0.5517% | 1,879 |
| Net interest margin | 4.2338% | 1,072 |
| Noninterest income to average assets | 0.3988% | 3,694 |
| Noninterest expense to average assets | 3.6686% | 794 |
| Loan and lease loss provision to assets | 0.2243% | 825 |
| Net operating income to assets | 0.5034% | 4,720 |
| Return on assets (ROA) | 0.5034% | 4,753 |
| Pretax return on assets | 0.5034% | 5,021 |
| Return on Equity (ROE) | 6.2865% | 3,990 |
| Retained earnings to average equity (ytd only) | 3.7967% | 3,661 |
| Net charge-offs to loans | -0.0986% | 5,376 |
| Credit loss provision to net charge-offs | -290.3226% | 4,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4467% | 801 |
| Assets per employee ($millions) | 4.0125% | 3,969 |
| Cash dividends to net income (ytd only)* | 39.6020% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 1,709 |
| Loan loss allowance to noncurrent loans | 137.3303% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 1.0889% | 1,528 |
| Noncurrent loans to loans | 1.0535% | 1,836 |
| Net loans and leases to total assets | 79.2684% | 1,088 |
| Net loans and leases to deposits | 87.0319% | 2,181 |
| Net loans and leases to core deposits | 87.5294% | 2,816 |
| Total domestic deposits to total assets | 91.0797% | 168 |
| Equity capital to assets | 8.4525% | 5,315 |
| Core capital (leverage) ratio | 8.2638% | 5,389 |
| Tier 1 risk-based capital ratio | 11.0620% | 5,206 |
| Total risk-based capital ratio | 12.3165% | 5,099 |
| Memoranda: | ||
| Average total assets | $53,497,750 | 5,150 |
| Average earning assets | $50,512,250 | 5,111 |
| Average equity | $4,284,250 | 5,436 |
| Average total loans | $41,916,750 | 4,718 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7076% | 1,045 |
| Cost of funding earning assets | 0.5414% | 1,833 |
| Net interest margin | 4.1662% | 1,155 |
| Noninterest income to average assets | 0.3967% | 3,713 |
| Noninterest expense to average assets | 3.7447% | 722 |
| Loan and lease loss provision to assets | 0.2225% | 787 |
| Net operating income to assets | 0.3671% | 5,050 |
| Return on assets (ROA) | 0.3671% | 5,074 |
| Pretax return on assets | 0.3671% | 5,241 |
| Return on Equity (ROE) | 4.6669% | 4,612 |
| Retained earnings to average equity (ytd only) | 1.6970% | 4,580 |
| Net charge-offs to loans | -0.0525% | 5,197 |
| Credit loss provision to net charge-offs | -545.4545% | 4,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3986% | 663 |
| Assets per employee ($millions) | 4.1362% | 3,730 |
| Cash dividends to net income (ytd only)* | 63.6364% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 2,224 |
| Loan loss allowance to noncurrent loans | 124.0535% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 1.0080% | 1,739 |
| Noncurrent loans to loans | 1.0807% | 1,817 |
| Net loans and leases to total assets | 76.2307% | 1,511 |
| Net loans and leases to deposits | 83.2504% | 2,573 |
| Net loans and leases to core deposits | 84.1494% | 3,050 |
| Total domestic deposits to total assets | 91.5679% | 124 |
| Equity capital to assets | 8.0638% | 5,508 |
| Core capital (leverage) ratio | 8.1177% | 5,476 |
| Tier 1 risk-based capital ratio | 10.9712% | 5,264 |
| Total risk-based capital ratio | 12.2232% | 5,166 |
| Memoranda: | ||
| Average total assets | $53,943,000 | 5,174 |
| Average earning assets | $50,981,330 | 5,140 |
| Average equity | $4,242,670 | 5,486 |
| Average total loans | $41,904,000 | 4,746 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6747% | 984 |
| Cost of funding earning assets | 0.5325% | 1,844 |
| Net interest margin | 4.1422% | 1,115 |
| Noninterest income to average assets | 0.3998% | 3,662 |
| Noninterest expense to average assets | 3.8202% | 663 |
| Loan and lease loss provision to assets | 0.2221% | 711 |
| Net operating income to assets | 0.2739% | 5,256 |
| Return on assets (ROA) | 0.2739% | 5,271 |
| Pretax return on assets | 0.2739% | 5,349 |
| Return on Equity (ROE) | 3.5272% | 4,950 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,911 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5077% | 634 |
| Assets per employee ($millions) | 4.1056% | 3,831 |
| Cash dividends to net income (ytd only)* | 100.0000% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 2,903 |
| Loan loss allowance to noncurrent loans | 133.3333% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.9031% | 2,053 |
| Noncurrent loans to loans | 0.9282% | 2,182 |
| Net loans and leases to total assets | 77.1532% | 1,248 |
| Net loans and leases to deposits | 84.1057% | 2,271 |
| Net loans and leases to core deposits | 85.0156% | 2,815 |
| Total domestic deposits to total assets | 91.7336% | 141 |
| Equity capital to assets | 7.9122% | 5,562 |
| Core capital (leverage) ratio | 8.1024% | 5,508 |
| Tier 1 risk-based capital ratio | 10.9082% | 5,356 |
| Total risk-based capital ratio | 12.1586% | 5,283 |
| Memoranda: | ||
| Average total assets | $54,029,000 | 5,225 |
| Average earning assets | $51,083,500 | 5,193 |
| Average equity | $4,196,000 | 5,549 |
| Average total loans | $42,082,500 | 4,788 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7190% | 1,029 |
| Cost of funding earning assets | 0.5436% | 1,760 |
| Net interest margin | 4.1754% | 1,177 |
| Noninterest income to average assets | 0.4061% | 3,831 |
| Noninterest expense to average assets | 3.5582% | 1,069 |
| Loan and lease loss provision to assets | 0.2195% | 1,004 |
| Net operating income to assets | 0.5488% | 4,440 |
| Return on assets (ROA) | 0.5488% | 4,541 |
| Pretax return on assets | 0.5488% | 4,926 |
| Return on Equity (ROE) | 7.1442% | 3,392 |
| Retained earnings to average equity (ytd only) | 4.8104% | 2,463 |
| Net charge-offs to loans | 0.1633% | 1,647 |
| Credit loss provision to net charge-offs | 173.9130% | 1,595 |
| Earnings coverage of net charge-offs (x) | 6.0870% | 3,234 |
| Efficiency ratio | 82.2410% | 1,179 |
| Assets per employee ($millions) | 3.6457% | 4,550 |
| Cash dividends to net income (ytd only)* | 32.6667% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 3,466 |
| Loan loss allowance to noncurrent loans | 202.5000% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.6144% | 2,887 |
| Noncurrent loans to loans | 0.5651% | 3,143 |
| Net loans and leases to total assets | 76.7743% | 1,398 |
| Net loans and leases to deposits | 83.4009% | 2,490 |
| Net loans and leases to core deposits | 84.2900% | 2,997 |
| Total domestic deposits to total assets | 92.0545% | 94 |
| Equity capital to assets | 7.6237% | 5,687 |
| Core capital (leverage) ratio | 7.9142% | 5,658 |
| Tier 1 risk-based capital ratio | 10.5731% | 5,540 |
| Total risk-based capital ratio | 11.7628% | 5,501 |
| Memoranda: | ||
| Average total assets | $54,663,200 | 5,252 |
| Average earning assets | $51,324,800 | 5,222 |
| Average equity | $4,199,200 | 5,613 |
| Average total loans | $42,248,200 | 4,806 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6967% | 1,071 |
| Cost of funding earning assets | 0.5386% | 1,802 |
| Net interest margin | 4.1581% | 1,234 |
| Noninterest income to average assets | 0.3830% | 4,042 |
| Noninterest expense to average assets | 3.5419% | 1,074 |
| Loan and lease loss provision to assets | 0.2195% | 947 |
| Net operating income to assets | 0.5196% | 4,620 |
| Return on assets (ROA) | 0.5196% | 4,722 |
| Pretax return on assets | 0.5196% | 5,079 |
| Return on Equity (ROE) | 6.7508% | 3,693 |
| Retained earnings to average equity (ytd only) | 3.6449% | 3,705 |
| Net charge-offs to loans | 0.2149% | 1,080 |
| Credit loss provision to net charge-offs | 132.3529% | 1,956 |
| Earnings coverage of net charge-offs (x) | 4.4561% | 3,268 |
| Efficiency ratio | 82.7350% | 1,103 |
| Assets per employee ($millions) | 3.7171% | 4,442 |
| Cash dividends to net income (ytd only)* | 46.0087% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0555% | 4,096 |
| Loan loss allowance to noncurrent loans | 182.8000% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.7031% | 2,803 |
| Noncurrent loans to loans | 0.5774% | 3,273 |
| Net loans and leases to total assets | 76.8366% | 1,391 |
| Net loans and leases to deposits | 87.3753% | 2,097 |
| Net loans and leases to core deposits | 88.3429% | 2,727 |
| Total domestic deposits to total assets | 87.9385% | 1,429 |
| Equity capital to assets | 7.6871% | 5,809 |
| Core capital (leverage) ratio | 7.7787% | 5,768 |
| Tier 1 risk-based capital ratio | 10.1154% | 5,756 |
| Total risk-based capital ratio | 11.2078% | 5,762 |
| Memoranda: | ||
| Average total assets | $54,657,750 | 5,299 |
| Average earning assets | $51,240,250 | 5,269 |
| Average equity | $4,206,750 | 5,670 |
| Average total loans | $42,192,750 | 4,852 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6789% | 1,095 |
| Cost of funding earning assets | 0.5456% | 1,730 |
| Net interest margin | 4.1333% | 1,283 |
| Noninterest income to average assets | 0.3905% | 3,945 |
| Noninterest expense to average assets | 3.4407% | 1,291 |
| Loan and lease loss provision to assets | 0.2210% | 938 |
| Net operating income to assets | 0.6078% | 4,236 |
| Return on assets (ROA) | 0.6078% | 4,359 |
| Pretax return on assets | 0.6078% | 4,863 |
| Return on Equity (ROE) | 7.8941% | 3,037 |
| Retained earnings to average equity (ytd only) | 5.6933% | 2,307 |
| Net charge-offs to loans | 0.3347% | 707 |
| Credit loss provision to net charge-offs | 85.7143% | 2,302 |
| Earnings coverage of net charge-offs (x) | 3.2143% | 3,150 |
| Efficiency ratio | 80.5867% | 1,431 |
| Assets per employee ($millions) | 3.6950% | 4,452 |
| Cash dividends to net income (ytd only)* | 27.8788% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 4,545 |
| Loan loss allowance to noncurrent loans | 353.3333% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 3,577 |
| Noncurrent loans to loans | 0.2823% | 4,361 |
| Net loans and leases to total assets | 75.9350% | 1,499 |
| Net loans and leases to deposits | 82.5818% | 2,641 |
| Net loans and leases to core deposits | 85.3242% | 2,956 |
| Total domestic deposits to total assets | 91.9513% | 91 |
| Equity capital to assets | 7.7185% | 5,875 |
| Core capital (leverage) ratio | 7.9424% | 5,758 |
| Tier 1 risk-based capital ratio | 10.2926% | 5,766 |
| Total risk-based capital ratio | 11.3127% | 5,773 |
| Memoranda: | ||
| Average total assets | $54,291,670 | 5,366 |
| Average earning assets | $50,951,670 | 5,336 |
| Average equity | $4,180,330 | 5,736 |
| Average total loans | $41,824,330 | 4,906 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6117% | 1,237 |
| Cost of funding earning assets | 0.5636% | 1,595 |
| Net interest margin | 4.0481% | 1,483 |
| Noninterest income to average assets | 0.3872% | 3,925 |
| Noninterest expense to average assets | 3.5365% | 1,119 |
| Loan and lease loss provision to assets | 0.2234% | 847 |
| Net operating income to assets | 0.4244% | 4,923 |
| Return on assets (ROA) | 0.4244% | 4,998 |
| Pretax return on assets | 0.4244% | 5,257 |
| Return on Equity (ROE) | 5.5186% | 4,217 |
| Retained earnings to average equity (ytd only) | 5.5186% | 2,633 |
| Net charge-offs to loans | 0.7232% | 293 |
| Credit loss provision to net charge-offs | 40.0000% | 2,147 |
| Earnings coverage of net charge-offs (x) | 1.1600% | 2,857 |
| Efficiency ratio | 84.5196% | 1,108 |
| Assets per employee ($millions) | 3.8293% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9592% | 4,809 |
| Loan loss allowance to noncurrent loans | 194.0299% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.6622% | 3,075 |
| Noncurrent loans to loans | 0.4944% | 3,691 |
| Net loans and leases to total assets | 75.1110% | 1,533 |
| Net loans and leases to deposits | 81.7604% | 2,575 |
| Net loans and leases to core deposits | 84.5803% | 2,886 |
| Total domestic deposits to total assets | 91.8672% | 119 |
| Equity capital to assets | 7.7579% | 5,893 |
| Core capital (leverage) ratio | 7.8361% | 5,835 |
| Tier 1 risk-based capital ratio | 10.0233% | 5,908 |
| Total risk-based capital ratio | 10.9598% | 5,941 |
| Memoranda: | ||
| Average total assets | $53,725,000 | 5,431 |
| Average earning assets | $50,394,000 | 5,393 |
| Average equity | $4,131,500 | 5,785 |
| Average total loans | $41,481,000 | 4,957 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8669% | 831 |
| Cost of funding earning assets | 0.5711% | 1,588 |
| Net interest margin | 4.2959% | 967 |
| Noninterest income to average assets | 0.3982% | 4,048 |
| Noninterest expense to average assets | 3.8080% | 853 |
| Loan and lease loss provision to assets | 0.2278% | 884 |
| Net operating income to assets | 0.3612% | 5,174 |
| Return on assets (ROA) | 0.3612% | 5,258 |
| Pretax return on assets | 0.3612% | 5,405 |
| Return on Equity (ROE) | 4.8141% | 4,596 |
| Retained earnings to average equity (ytd only) | 1.3578% | 4,952 |
| Net charge-offs to loans | 0.0866% | 2,590 |
| Credit loss provision to net charge-offs | 332.4324% | 908 |
| Earnings coverage of net charge-offs (x) | 8.5946% | 2,927 |
| Efficiency ratio | 86.6049% | 952 |
| Assets per employee ($millions) | 3.8457% | 4,214 |
| Cash dividends to net income (ytd only)* | 71.7949% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 4,446 |
| Loan loss allowance to noncurrent loans | 175.4032% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.7541% | 2,797 |
| Noncurrent loans to loans | 0.5862% | 3,416 |
| Net loans and leases to total assets | 77.7675% | 1,152 |
| Net loans and leases to deposits | 84.5124% | 2,302 |
| Net loans and leases to core deposits | 87.3985% | 2,663 |
| Total domestic deposits to total assets | 92.0189% | 111 |
| Equity capital to assets | 7.6226% | 5,964 |
| Core capital (leverage) ratio | 7.5627% | 5,963 |
| Tier 1 risk-based capital ratio | 9.9468% | 5,962 |
| Total risk-based capital ratio | 10.9978% | 5,977 |
| Memoranda: | ||
| Average total assets | $53,991,000 | 5,457 |
| Average earning assets | $50,257,400 | 5,429 |
| Average equity | $4,050,600 | 5,841 |
| Average total loans | $42,711,000 | 4,912 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8601% | 835 |
| Cost of funding earning assets | 0.5724% | 1,603 |
| Net interest margin | 4.2877% | 982 |
| Noninterest income to average assets | 0.4022% | 4,070 |
| Noninterest expense to average assets | 3.7781% | 876 |
| Loan and lease loss provision to assets | 0.2320% | 782 |
| Net operating income to assets | 0.3850% | 5,214 |
| Return on assets (ROA) | 0.3850% | 5,297 |
| Pretax return on assets | 0.3850% | 5,490 |
| Return on Equity (ROE) | 5.1518% | 4,555 |
| Retained earnings to average equity (ytd only) | 0.5283% | 5,466 |
| Net charge-offs to loans | 0.1339% | 1,795 |
| Credit loss provision to net charge-offs | 218.6047% | 1,247 |
| Earnings coverage of net charge-offs (x) | 5.8142% | 3,148 |
| Efficiency ratio | 85.9629% | 1,005 |
| Assets per employee ($millions) | 3.6197% | 4,575 |
| Cash dividends to net income (ytd only)* | 89.7447% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9096% | 5,174 |
| Loan loss allowance to noncurrent loans | 231.2139% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.6170% | 3,421 |
| Noncurrent loans to loans | 0.3934% | 4,204 |
| Net loans and leases to total assets | 80.2579% | 788 |
| Net loans and leases to deposits | 90.7077% | 1,564 |
| Net loans and leases to core deposits | 93.3905% | 2,136 |
| Total domestic deposits to total assets | 88.4796% | 1,304 |
| Equity capital to assets | 7.5071% | 6,072 |
| Core capital (leverage) ratio | 7.5120% | 6,055 |
| Tier 1 risk-based capital ratio | 9.5102% | 6,146 |
| Total risk-based capital ratio | 10.4428% | 6,165 |
| Memoranda: | ||
| Average total assets | $54,028,750 | 5,527 |
| Average earning assets | $50,313,500 | 5,496 |
| Average equity | $4,037,250 | 5,924 |
| Average total loans | $42,812,500 | 4,957 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8729% | 776 |
| Cost of funding earning assets | 0.5871% | 1,508 |
| Net interest margin | 4.2857% | 942 |
| Noninterest income to average assets | 0.3893% | 4,162 |
| Noninterest expense to average assets | 3.8598% | 805 |
| Loan and lease loss provision to assets | 0.2336% | 784 |
| Net operating income to assets | 0.2744% | 5,520 |
| Return on assets (ROA) | 0.2744% | 5,603 |
| Pretax return on assets | 0.2744% | 5,699 |
| Return on Equity (ROE) | 3.6776% | 5,150 |
| Retained earnings to average equity (ytd only) | -3.2800% | 5,937 |
| Net charge-offs to loans | -0.0424% | 5,479 |
| Credit loss provision to net charge-offs | -700.0000% | 5,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3701% | 887 |
| Assets per employee ($millions) | 3.4113% | 4,962 |
| Cash dividends to net income (ytd only)* | 189.1892% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 5,001 |
| Loan loss allowance to noncurrent loans | 88.0753% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.1946% | 2,116 |
| Noncurrent loans to loans | 1.1022% | 2,451 |
| Net loans and leases to total assets | 78.6845% | 982 |
| Net loans and leases to deposits | 87.8331% | 1,858 |
| Net loans and leases to core deposits | 90.3765% | 2,311 |
| Total domestic deposits to total assets | 89.5841% | 855 |
| Equity capital to assets | 7.2719% | 6,153 |
| Core capital (leverage) ratio | 7.4901% | 6,101 |
| Tier 1 risk-based capital ratio | 9.3996% | 6,212 |
| Total risk-based capital ratio | 10.3901% | 6,221 |
| Memoranda: | ||
| Average total assets | $53,940,000 | 5,585 |
| Average earning assets | $50,073,000 | 5,561 |
| Average equity | $4,024,330 | 5,989 |
| Average total loans | $42,424,670 | 5,013 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7148% | 1,009 |
| Cost of funding earning assets | 0.6125% | 1,349 |
| Net interest margin | 4.1023% | 1,269 |
| Noninterest income to average assets | 0.3282% | 4,564 |
| Noninterest expense to average assets | 3.6479% | 1,072 |
| Loan and lease loss provision to assets | 0.1865% | 1,013 |
| Net operating income to assets | 0.2909% | 5,451 |
| Return on assets (ROA) | 0.3282% | 5,424 |
| Pretax return on assets | 0.3282% | 5,577 |
| Return on Equity (ROE) | 4.3435% | 4,827 |
| Retained earnings to average equity (ytd only) | -1.5795% | 5,633 |
| Net charge-offs to loans | -0.0667% | 5,669 |
| Credit loss provision to net charge-offs | -357.1429% | 4,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4268% | 984 |
| Assets per employee ($millions) | 3.7416% | 4,436 |
| Cash dividends to net income (ytd only)* | 136.3636% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9123% | 5,404 |
| Loan loss allowance to noncurrent loans | 67.6732% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 1.4127% | 1,879 |
| Noncurrent loans to loans | 1.3481% | 2,133 |
| Net loans and leases to total assets | 79.0008% | 791 |
| Net loans and leases to deposits | 85.9460% | 1,840 |
| Net loans and leases to core deposits | 88.4781% | 2,278 |
| Total domestic deposits to total assets | 91.9191% | 152 |
| Equity capital to assets | 7.6819% | 6,129 |
| Core capital (leverage) ratio | 7.5441% | 6,125 |
| Tier 1 risk-based capital ratio | 10.6075% | 5,979 |
| Total risk-based capital ratio | 11.6063% | 6,009 |
| Memoranda: | ||
| Average total assets | $53,620,000 | 5,648 |
| Average earning assets | $49,630,500 | 5,620 |
| Average equity | $4,052,000 | 6,044 |
| Average total loans | $41,953,500 | 5,068 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9148% | 902 |
| Cost of funding earning assets | 0.6828% | 1,195 |
| Net interest margin | 4.2321% | 1,214 |
| Noninterest income to average assets | 0.3774% | 4,367 |
| Noninterest expense to average assets | 3.2547% | 2,061 |
| Loan and lease loss provision to assets | 0.3861% | 472 |
| Net operating income to assets | 0.6856% | 3,967 |
| Return on assets (ROA) | 0.7721% | 3,606 |
| Pretax return on assets | 0.7721% | 4,359 |
| Return on Equity (ROE) | 11.3805% | 1,597 |
| Retained earnings to average equity (ytd only) | 3.9806% | 3,383 |
| Net charge-offs to loans | 0.6630% | 580 |
| Credit loss provision to net charge-offs | 77.1626% | 2,922 |
| Earnings coverage of net charge-offs (x) | 2.1419% | 4,234 |
| Efficiency ratio | 75.2301% | 2,631 |
| Assets per employee ($millions) | 4.2198% | 3,503 |
| Cash dividends to net income (ytd only)* | 65.0224% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8281% | 5,698 |
| Loan loss allowance to noncurrent loans | 78.7810% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 1.0372% | 2,668 |
| Noncurrent loans to loans | 1.0512% | 2,722 |
| Net loans and leases to total assets | 76.1872% | 1,235 |
| Net loans and leases to deposits | 85.8193% | 2,011 |
| Net loans and leases to core deposits | 88.3071% | 2,461 |
| Total domestic deposits to total assets | 88.7763% | 1,372 |
| Equity capital to assets | 7.4375% | 6,249 |
| Core capital (leverage) ratio | 7.2921% | 6,258 |
| Tier 1 risk-based capital ratio | 10.0727% | 6,239 |
| Total risk-based capital ratio | 10.9381% | 6,293 |
| Memoranda: | ||
| Average total assets | $57,763,200 | 5,606 |
| Average earning assets | $53,898,200 | 5,569 |
| Average equity | $3,919,000 | 6,104 |
| Average total loans | $43,587,600 | 5,050 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7744% | 1,150 |
| Cost of funding earning assets | 0.6538% | 1,436 |
| Net interest margin | 4.1206% | 1,515 |
| Noninterest income to average assets | 0.4855% | 3,646 |
| Noninterest expense to average assets | 3.1845% | 2,223 |
| Loan and lease loss provision to assets | 0.3419% | 522 |
| Net operating income to assets | 0.8092% | 3,388 |
| Return on assets (ROA) | 0.8092% | 3,487 |
| Pretax return on assets | 0.8092% | 4,331 |
| Return on Equity (ROE) | 12.2029% | 1,424 |
| Retained earnings to average equity (ytd only) | 2.2342% | 4,940 |
| Net charge-offs to loans | -0.0061% | 5,334 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4490% | 2,909 |
| Assets per employee ($millions) | 4.7158% | 2,644 |
| Cash dividends to net income (ytd only)* | 81.6910% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 4,027 |
| Loan loss allowance to noncurrent loans | 105.9813% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.1893% | 2,580 |
| Noncurrent loans to loans | 1.1694% | 2,725 |
| Net loans and leases to total assets | 79.8427% | 731 |
| Net loans and leases to deposits | 96.1136% | 867 |
| Net loans and leases to core deposits | 98.9922% | 1,449 |
| Total domestic deposits to total assets | 83.0712% | 4,119 |
| Equity capital to assets | 6.9164% | 6,396 |
| Core capital (leverage) ratio | 6.8369% | 6,397 |
| Tier 1 risk-based capital ratio | 9.0246% | 6,477 |
| Total risk-based capital ratio | 10.2748% | 6,469 |
| Memoranda: | ||
| Average total assets | $58,489,750 | 5,649 |
| Average earning assets | $54,651,250 | 5,623 |
| Average equity | $3,878,750 | 6,180 |
| Average total loans | $43,948,750 | 5,091 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6518% | 1,394 |
| Cost of funding earning assets | 0.6460% | 1,540 |
| Net interest margin | 4.0058% | 1,789 |
| Noninterest income to average assets | 0.3823% | 4,388 |
| Noninterest expense to average assets | 3.0005% | 2,824 |
| Loan and lease loss provision to assets | 0.4398% | 372 |
| Net operating income to assets | 0.6969% | 3,855 |
| Return on assets (ROA) | 0.8525% | 3,163 |
| Pretax return on assets | 0.8525% | 4,070 |
| Return on Equity (ROE) | 13.0334% | 1,165 |
| Retained earnings to average equity (ytd only) | 1.1378% | 5,299 |
| Net charge-offs to loans | -0.0046% | 5,162 |
| Credit loss provision to net charge-offs | -13,000.0000% | 5,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5266% | 3,239 |
| Assets per employee ($millions) | 4.3405% | 3,194 |
| Cash dividends to net income (ytd only)* | 91.2698% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 4,413 |
| Loan loss allowance to noncurrent loans | 163.9640% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.7767% | 3,639 |
| Noncurrent loans to loans | 0.7332% | 3,864 |
| Net loans and leases to total assets | 73.8394% | 1,464 |
| Net loans and leases to deposits | 92.8236% | 1,066 |
| Net loans and leases to core deposits | 93.5181% | 1,815 |
| Total domestic deposits to total assets | 79.5481% | 5,341 |
| Equity capital to assets | 6.3587% | 6,504 |
| Core capital (leverage) ratio | 6.5962% | 6,487 |
| Tier 1 risk-based capital ratio | 8.7871% | 6,548 |
| Total risk-based capital ratio | 10.0101% | 6,550 |
| Memoranda: | ||
| Average total assets | $59,123,000 | 5,683 |
| Average earning assets | $55,419,670 | 5,642 |
| Average equity | $3,867,000 | 6,229 |
| Average total loans | $43,348,330 | 5,155 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5975% | 1,511 |
| Cost of funding earning assets | 0.6589% | 1,522 |
| Net interest margin | 3.9387% | 1,955 |
| Noninterest income to average assets | 0.3774% | 4,370 |
| Noninterest expense to average assets | 3.2041% | 2,224 |
| Loan and lease loss provision to assets | 0.1029% | 2,206 |
| Net operating income to assets | 0.7616% | 3,349 |
| Return on assets (ROA) | 0.7616% | 3,434 |
| Pretax return on assets | 0.7616% | 4,267 |
| Return on Equity (ROE) | 11.4773% | 1,552 |
| Retained earnings to average equity (ytd only) | 0.1034% | 5,517 |
| Net charge-offs to loans | 0.0756% | 2,393 |
| Credit loss provision to net charge-offs | 187.5000% | 1,094 |
| Earnings coverage of net charge-offs (x) | 15.7500% | 1,535 |
| Efficiency ratio | 78.7521% | 2,367 |
| Assets per employee ($millions) | 4.5395% | 2,918 |
| Cash dividends to net income (ytd only)* | 99.0991% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9774% | 5,608 |
| Loan loss allowance to noncurrent loans | 84.4000% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 1.1370% | 2,978 |
| Noncurrent loans to loans | 1.1581% | 3,114 |
| Net loans and leases to total assets | 72.4472% | 1,505 |
| Net loans and leases to deposits | 83.5235% | 1,872 |
| Net loans and leases to core deposits | 85.3714% | 2,383 |
| Total domestic deposits to total assets | 86.7387% | 2,971 |
| Equity capital to assets | 6.5832% | 6,513 |
| Core capital (leverage) ratio | 6.8590% | 6,500 |
| Tier 1 risk-based capital ratio | 9.0352% | 6,594 |
| Total risk-based capital ratio | 10.0111% | 6,605 |
| Memoranda: | ||
| Average total assets | $58,301,000 | 5,758 |
| Average earning assets | $54,638,000 | 5,721 |
| Average equity | $3,868,500 | 6,277 |
| Average total loans | $42,314,500 | 5,227 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7072% | 1,553 |
| Cost of funding earning assets | 0.7832% | 1,299 |
| Net interest margin | 3.9239% | 2,204 |
| Noninterest income to average assets | 0.3399% | 4,888 |
| Noninterest expense to average assets | 3.1837% | 2,470 |
| Loan and lease loss provision to assets | 0.2491% | 1,449 |
| Net operating income to assets | 0.5446% | 4,533 |
| Return on assets (ROA) | 0.5446% | 4,658 |
| Pretax return on assets | 0.5446% | 5,060 |
| Return on Equity (ROE) | 7.8890% | 3,083 |
| Retained earnings to average equity (ytd only) | 1.3922% | 5,200 |
| Net charge-offs to loans | 0.3070% | 2,150 |
| Credit loss provision to net charge-offs | 126.1261% | 1,876 |
| Earnings coverage of net charge-offs (x) | 4.0180% | 3,701 |
| Efficiency ratio | 80.0447% | 2,141 |
| Assets per employee ($millions) | 4.4298% | 3,032 |
| Cash dividends to net income (ytd only)* | 82.3529% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 5,557 |
| Loan loss allowance to noncurrent loans | 101.9656% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.0037% | 3,410 |
| Noncurrent loans to loans | 0.9818% | 3,557 |
| Net loans and leases to total assets | 71.2614% | 1,801 |
| Net loans and leases to deposits | 80.2401% | 2,424 |
| Net loans and leases to core deposits | 82.0104% | 2,897 |
| Total domestic deposits to total assets | 88.8102% | 1,746 |
| Equity capital to assets | 6.6889% | 6,532 |
| Core capital (leverage) ratio | 6.9023% | 6,541 |
| Tier 1 risk-based capital ratio | 9.4606% | 6,608 |
| Total risk-based capital ratio | 10.4658% | 6,623 |
| Memoranda: | ||
| Average total assets | $56,192,000 | 5,861 |
| Average earning assets | $52,090,800 | 5,834 |
| Average equity | $3,878,800 | 6,353 |
| Average total loans | $36,161,200 | 5,493 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6620% | 1,714 |
| Cost of funding earning assets | 0.8050% | 1,294 |
| Net interest margin | 3.8571% | 2,433 |
| Noninterest income to average assets | 0.3008% | 5,295 |
| Noninterest expense to average assets | 3.2161% | 2,318 |
| Loan and lease loss provision to assets | 0.2984% | 1,139 |
| Net operating income to assets | 0.3557% | 5,417 |
| Return on assets (ROA) | 0.3557% | 5,549 |
| Pretax return on assets | 0.3557% | 5,729 |
| Return on Equity (ROE) | 5.1129% | 4,667 |
| Retained earnings to average equity (ytd only) | -3.5344% | 6,396 |
| Net charge-offs to loans | 0.1914% | 2,692 |
| Credit loss provision to net charge-offs | 250.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 5.4795% | 3,178 |
| Efficiency ratio | 83.0969% | 1,697 |
| Assets per employee ($millions) | 3.8186% | 4,195 |
| Cash dividends to net income (ytd only)* | 169.1282% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 4,667 |
| Loan loss allowance to noncurrent loans | 106.7130% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 1.1092% | 3,435 |
| Noncurrent loans to loans | 1.1665% | 3,489 |
| Net loans and leases to total assets | 68.4119% | 2,239 |
| Net loans and leases to deposits | 74.9155% | 3,099 |
| Net loans and leases to core deposits | 76.6489% | 3,547 |
| Total domestic deposits to total assets | 91.3187% | 412 |
| Equity capital to assets | 6.9828% | 6,558 |
| Core capital (leverage) ratio | 6.8065% | 6,626 |
| Tier 1 risk-based capital ratio | 10.2092% | 6,537 |
| Total risk-based capital ratio | 11.4649% | 6,503 |
| Memoranda: | ||
| Average total assets | $55,843,000 | 5,943 |
| Average earning assets | $51,678,750 | 5,910 |
| Average equity | $3,885,500 | 6,432 |
| Average total loans | $34,838,250 | 5,598 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5031% | 2,191 |
| Cost of funding earning assets | 0.8348% | 1,234 |
| Net interest margin | 3.6683% | 3,091 |
| Noninterest income to average assets | 0.3178% | 5,162 |
| Noninterest expense to average assets | 3.1287% | 2,580 |
| Loan and lease loss provision to assets | 0.3814% | 839 |
| Net operating income to assets | 0.1907% | 5,928 |
| Return on assets (ROA) | 0.1907% | 6,049 |
| Pretax return on assets | 0.1907% | 6,098 |
| Return on Equity (ROE) | 2.7437% | 5,708 |
| Retained earnings to average equity (ytd only) | -7.6721% | 6,599 |
| Net charge-offs to loans | 0.3167% | 1,919 |
| Credit loss provision to net charge-offs | 200.0000% | 1,183 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,529 |
| Efficiency ratio | 84.5420% | 1,573 |
| Assets per employee ($millions) | 4.2623% | 3,233 |
| Cash dividends to net income (ytd only)* | 379.6296% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 4,833 |
| Loan loss allowance to noncurrent loans | 69.1824% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.4745% | 2,895 |
| Noncurrent loans to loans | 1.7785% | 2,660 |
| Net loans and leases to total assets | 63.7448% | 2,957 |
| Net loans and leases to deposits | 69.6680% | 3,761 |
| Net loans and leases to core deposits | 71.5782% | 4,101 |
| Total domestic deposits to total assets | 91.4979% | 383 |
| Equity capital to assets | 6.8544% | 6,633 |
| Core capital (leverage) ratio | 6.5751% | 6,688 |
| Tier 1 risk-based capital ratio | 10.2741% | 6,573 |
| Total risk-based capital ratio | 11.4958% | 6,552 |
| Memoranda: | ||
| Average total assets | $56,637,330 | 5,952 |
| Average earning assets | $52,230,670 | 5,931 |
| Average equity | $3,936,330 | 6,466 |
| Average total loans | $34,106,330 | 5,660 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3358% | 2,743 |
| Cost of funding earning assets | 0.8793% | 1,089 |
| Net interest margin | 3.4565% | 3,870 |
| Noninterest income to average assets | 0.3074% | 5,228 |
| Noninterest expense to average assets | 3.1650% | 2,464 |
| Loan and lease loss provision to assets | 0.1258% | 2,662 |
| Net operating income to assets | 0.2026% | 5,880 |
| Return on assets (ROA) | 0.2026% | 5,992 |
| Pretax return on assets | 0.2026% | 6,073 |
| Return on Equity (ROE) | 2.8960% | 5,629 |
| Retained earnings to average equity (ytd only) | -5.5923% | 6,402 |
| Net charge-offs to loans | 0.0120% | 3,899 |
| Credit loss provision to net charge-offs | 1,800.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 701 |
| Efficiency ratio | 90.6000% | 1,095 |
| Assets per employee ($millions) | 4.3564% | 3,228 |
| Cash dividends to net income (ytd only)* | 293.1034% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 5,170 |
| Loan loss allowance to noncurrent loans | 146.5455% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.7593% | 4,482 |
| Noncurrent loans to loans | 0.8197% | 4,482 |
| Net loans and leases to total assets | 58.5259% | 3,693 |
| Net loans and leases to deposits | 64.4368% | 4,262 |
| Net loans and leases to core deposits | 65.9195% | 4,542 |
| Total domestic deposits to total assets | 90.8269% | 597 |
| Equity capital to assets | 7.0189% | 6,708 |
| Core capital (leverage) ratio | 6.7307% | 6,708 |
| Tier 1 risk-based capital ratio | 9.9929% | 6,693 |
| Total risk-based capital ratio | 11.0538% | 6,704 |
| Memoranda: | ||
| Average total assets | $57,251,000 | 5,986 |
| Average earning assets | $52,769,500 | 5,956 |
| Average equity | $4,005,500 | 6,517 |
| Average total loans | $33,279,000 | 5,735 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3200% | 890 |
| Cost of funding earning assets | 0.8928% | 1,977 |
| Net interest margin | 4.4273% | 1,099 |
| Noninterest income to average assets | 0.3576% | 4,918 |
| Noninterest expense to average assets | 3.3609% | 2,147 |
| Loan and lease loss provision to assets | 0.1778% | 3,403 |
| Net operating income to assets | 0.8852% | 2,889 |
| Return on assets (ROA) | 0.8852% | 3,132 |
| Pretax return on assets | 0.8852% | 3,977 |
| Return on Equity (ROE) | 11.4619% | 1,668 |
| Retained earnings to average equity (ytd only) | 4.8099% | 2,840 |
| Net charge-offs to loans | 0.1566% | 4,137 |
| Credit loss provision to net charge-offs | 169.8113% | 1,559 |
| Earnings coverage of net charge-offs (x) | 10.1509% | 2,171 |
| Efficiency ratio | 75.9714% | 2,749 |
| Assets per employee ($millions) | 4.1335% | 3,679 |
| Cash dividends to net income (ytd only)* | 58.0357% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 5,269 |
| Loan loss allowance to noncurrent loans | 96.9849% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.9608% | 4,104 |
| Noncurrent loans to loans | 1.2057% | 3,843 |
| Net loans and leases to total assets | 56.3756% | 4,224 |
| Net loans and leases to deposits | 61.9886% | 4,785 |
| Net loans and leases to core deposits | 63.0696% | 5,055 |
| Total domestic deposits to total assets | 90.9451% | 518 |
| Equity capital to assets | 6.9744% | 6,776 |
| Core capital (leverage) ratio | 7.0650% | 6,679 |
| Tier 1 risk-based capital ratio | 10.0949% | 6,674 |
| Total risk-based capital ratio | 11.1067% | 6,702 |
| Memoranda: | ||
| Average total assets | $50,611,800 | 6,200 |
| Average earning assets | $46,484,600 | 6,161 |
| Average equity | $3,908,600 | 6,586 |
| Average total loans | $33,842,400 | 5,766 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4950% | 681 |
| Cost of funding earning assets | 0.8912% | 2,232 |
| Net interest margin | 4.6039% | 815 |
| Noninterest income to average assets | 0.3661% | 4,902 |
| Noninterest expense to average assets | 3.4290% | 1,933 |
| Loan and lease loss provision to assets | 0.1831% | 3,302 |
| Net operating income to assets | 1.0028% | 2,484 |
| Return on assets (ROA) | 1.0028% | 2,721 |
| Pretax return on assets | 1.0028% | 3,696 |
| Return on Equity (ROE) | 12.6219% | 1,432 |
| Retained earnings to average equity (ytd only) | 3.6799% | 4,297 |
| Net charge-offs to loans | 0.0979% | 4,405 |
| Credit loss provision to net charge-offs | 268.0000% | 1,015 |
| Earnings coverage of net charge-offs (x) | 17.3612% | 1,629 |
| Efficiency ratio | 74.3043% | 2,932 |
| Assets per employee ($millions) | 3.8958% | 4,095 |
| Cash dividends to net income (ytd only)* | 70.8453% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 5,581 |
| Loan loss allowance to noncurrent loans | 66.7235% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 1.5756% | 3,236 |
| Noncurrent loans to loans | 1.6997% | 3,236 |
| Net loans and leases to total assets | 67.3025% | 2,407 |
| Net loans and leases to deposits | 75.0182% | 3,144 |
| Net loans and leases to core deposits | 76.3644% | 3,681 |
| Total domestic deposits to total assets | 89.7149% | 993 |
| Equity capital to assets | 7.9059% | 6,636 |
| Core capital (leverage) ratio | 7.5329% | 6,608 |
| Tier 1 risk-based capital ratio | 10.9511% | 6,503 |
| Total risk-based capital ratio | 12.0889% | 6,528 |
| Memoranda: | ||
| Average total assets | $48,797,500 | 6,319 |
| Average earning assets | $45,033,500 | 6,275 |
| Average equity | $3,876,750 | 6,677 |
| Average total loans | $34,050,500 | 5,831 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5589% | 631 |
| Cost of funding earning assets | 0.8996% | 2,399 |
| Net interest margin | 4.6593% | 735 |
| Noninterest income to average assets | 0.3528% | 5,015 |
| Noninterest expense to average assets | 3.4619% | 1,875 |
| Loan and lease loss provision to assets | 0.1868% | 3,234 |
| Net operating income to assets | 1.0253% | 2,360 |
| Return on assets (ROA) | 1.0253% | 2,582 |
| Pretax return on assets | 1.0253% | 3,614 |
| Return on Equity (ROE) | 12.8836% | 1,392 |
| Retained earnings to average equity (ytd only) | 2.1907% | 5,098 |
| Net charge-offs to loans | -0.0708% | 6,764 |
| Credit loss provision to net charge-offs | -375.0000% | 6,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0675% | 3,062 |
| Assets per employee ($millions) | 3.5760% | 4,801 |
| Cash dividends to net income (ytd only)* | 82.9960% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 5,431 |
| Loan loss allowance to noncurrent loans | 42.9480% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 1.9974% | 2,782 |
| Noncurrent loans to loans | 2.7526% | 2,184 |
| Net loans and leases to total assets | 67.6214% | 2,341 |
| Net loans and leases to deposits | 75.7072% | 3,029 |
| Net loans and leases to core deposits | 77.8826% | 3,535 |
| Total domestic deposits to total assets | 89.3197% | 1,317 |
| Equity capital to assets | 7.7960% | 6,676 |
| Core capital (leverage) ratio | 7.5763% | 6,582 |
| Tier 1 risk-based capital ratio | 10.4740% | 6,705 |
| Total risk-based capital ratio | 11.6186% | 6,721 |
| Memoranda: | ||
| Average total assets | $48,181,330 | 6,376 |
| Average earning assets | $44,685,000 | 6,328 |
| Average equity | $3,834,330 | 6,725 |
| Average total loans | $33,908,330 | 5,874 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6660% | 556 |
| Cost of funding earning assets | 0.9245% | 2,480 |
| Net interest margin | 4.7415% | 638 |
| Noninterest income to average assets | 0.3556% | 5,023 |
| Noninterest expense to average assets | 3.6410% | 1,476 |
| Loan and lease loss provision to assets | 0.1948% | 2,990 |
| Net operating income to assets | 0.9060% | 2,888 |
| Return on assets (ROA) | 0.9060% | 3,110 |
| Pretax return on assets | 0.9060% | 4,009 |
| Return on Equity (ROE) | 11.2632% | 1,919 |
| Retained earnings to average equity (ytd only) | -3.4737% | 6,442 |
| Net charge-offs to loans | 0.1304% | 3,324 |
| Credit loss provision to net charge-offs | 209.0909% | 1,297 |
| Earnings coverage of net charge-offs (x) | 11.8182% | 1,645 |
| Efficiency ratio | 76.7857% | 2,676 |
| Assets per employee ($millions) | 3.3954% | 5,351 |
| Cash dividends to net income (ytd only)* | 130.8411% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0591% | 6,051 |
| Loan loss allowance to noncurrent loans | 54.9618% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 1.4978% | 3,618 |
| Noncurrent loans to loans | 1.9270% | 3,253 |
| Net loans and leases to total assets | 70.7479% | 1,621 |
| Net loans and leases to deposits | 79.5280% | 2,269 |
| Net loans and leases to core deposits | 81.9405% | 2,846 |
| Total domestic deposits to total assets | 88.9597% | 1,718 |
| Equity capital to assets | 7.9941% | 6,529 |
| Core capital (leverage) ratio | 7.6782% | 6,503 |
| Tier 1 risk-based capital ratio | 10.7130% | 6,664 |
| Total risk-based capital ratio | 11.7755% | 6,719 |
| Memoranda: | ||
| Average total assets | $47,240,000 | 6,452 |
| Average earning assets | $43,699,500 | 6,403 |
| Average equity | $3,800,000 | 6,777 |
| Average total loans | $33,733,000 | 5,925 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9144% | 501 |
| Cost of funding earning assets | 1.0957% | 2,699 |
| Net interest margin | 4.8187% | 600 |
| Noninterest income to average assets | 0.3797% | 4,788 |
| Noninterest expense to average assets | 3.7261% | 1,489 |
| Loan and lease loss provision to assets | 0.1931% | 4,254 |
| Net operating income to assets | 0.9417% | 2,445 |
| Return on assets (ROA) | 0.9417% | 2,570 |
| Pretax return on assets | 0.9417% | 3,461 |
| Return on Equity (ROE) | 12.0057% | 1,403 |
| Retained earnings to average equity (ytd only) | 5.4696% | 2,322 |
| Net charge-offs to loans | 0.5566% | 2,789 |
| Credit loss provision to net charge-offs | 46.3918% | 5,506 |
| Earnings coverage of net charge-offs (x) | 2.7268% | 3,853 |
| Efficiency ratio | 76.6549% | 2,805 |
| Assets per employee ($millions) | 3.3532% | 5,366 |
| Cash dividends to net income (ytd only)* | 54.4419% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 6,027 |
| Loan loss allowance to noncurrent loans | 86.1728% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 0.9863% | 4,640 |
| Noncurrent loans to loans | 1.2098% | 4,352 |
| Net loans and leases to total assets | 70.5656% | 1,912 |
| Net loans and leases to deposits | 80.4073% | 2,445 |
| Net loans and leases to core deposits | 82.3870% | 3,123 |
| Total domestic deposits to total assets | 87.7601% | 2,304 |
| Equity capital to assets | 8.0946% | 6,515 |
| Core capital (leverage) ratio | 7.5615% | 6,615 |
| Tier 1 risk-based capital ratio | 10.9454% | 6,479 |
| Total risk-based capital ratio | 11.9853% | 6,565 |
| Memoranda: | ||
| Average total assets | $46,617,400 | 6,464 |
| Average earning assets | $43,352,000 | 6,408 |
| Average equity | $3,656,600 | 6,839 |
| Average total loans | $34,851,600 | 5,920 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9902% | 472 |
| Cost of funding earning assets | 1.1241% | 2,804 |
| Net interest margin | 4.8661% | 549 |
| Noninterest income to average assets | 0.3925% | 4,720 |
| Noninterest expense to average assets | 3.7562% | 1,386 |
| Loan and lease loss provision to assets | 0.1920% | 4,104 |
| Net operating income to assets | 0.9713% | 2,433 |
| Return on assets (ROA) | 0.9713% | 2,601 |
| Pretax return on assets | 0.9713% | 3,514 |
| Return on Equity (ROE) | 12.4833% | 1,418 |
| Retained earnings to average equity (ytd only) | 3.6824% | 4,126 |
| Net charge-offs to loans | 0.0606% | 5,362 |
| Credit loss provision to net charge-offs | 418.7500% | 675 |
| Earnings coverage of net charge-offs (x) | 25.3783% | 1,049 |
| Efficiency ratio | 76.3541% | 2,789 |
| Assets per employee ($millions) | 3.6967% | 4,548 |
| Cash dividends to net income (ytd only)* | 70.5016% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 4,495 |
| Loan loss allowance to noncurrent loans | 63.9594% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.7625% | 3,456 |
| Noncurrent loans to loans | 2.2114% | 3,097 |
| Net loans and leases to total assets | 73.1007% | 1,491 |
| Net loans and leases to deposits | 82.9731% | 2,179 |
| Net loans and leases to core deposits | 85.0461% | 2,907 |
| Total domestic deposits to total assets | 88.1016% | 1,986 |
| Equity capital to assets | 7.7408% | 6,827 |
| Core capital (leverage) ratio | 7.5034% | 6,762 |
| Tier 1 risk-based capital ratio | 9.9553% | 6,967 |
| Total risk-based capital ratio | 11.2070% | 6,953 |
| Memoranda: | ||
| Average total assets | $46,535,500 | 6,525 |
| Average earning assets | $43,291,750 | 6,470 |
| Average equity | $3,620,750 | 6,906 |
| Average total loans | $35,195,500 | 5,962 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9894% | 487 |
| Cost of funding earning assets | 1.1473% | 2,918 |
| Net interest margin | 4.8421% | 565 |
| Noninterest income to average assets | 0.3867% | 4,782 |
| Noninterest expense to average assets | 3.7890% | 1,361 |
| Loan and lease loss provision to assets | 0.1955% | 3,976 |
| Net operating income to assets | 0.8951% | 2,659 |
| Return on assets (ROA) | 0.8951% | 2,764 |
| Pretax return on assets | 0.8951% | 3,631 |
| Return on Equity (ROE) | 11.4838% | 1,645 |
| Retained earnings to average equity (ytd only) | 0.7247% | 5,565 |
| Net charge-offs to loans | 0.0685% | 4,954 |
| Credit loss provision to net charge-offs | 375.0000% | 805 |
| Earnings coverage of net charge-offs (x) | 20.9167% | 1,174 |
| Efficiency ratio | 77.6492% | 2,769 |
| Assets per employee ($millions) | 3.3181% | 5,395 |
| Cash dividends to net income (ytd only)* | 93.6893% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 4,724 |
| Loan loss allowance to noncurrent loans | 70.9489% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.6037% | 3,794 |
| Noncurrent loans to loans | 1.9327% | 3,564 |
| Net loans and leases to total assets | 75.2486% | 1,194 |
| Net loans and leases to deposits | 87.2853% | 1,610 |
| Net loans and leases to core deposits | 93.5052% | 1,961 |
| Total domestic deposits to total assets | 86.2100% | 3,215 |
| Equity capital to assets | 7.7905% | 6,812 |
| Core capital (leverage) ratio | 7.5015% | 6,741 |
| Tier 1 risk-based capital ratio | 10.1810% | 6,918 |
| Total risk-based capital ratio | 11.4371% | 6,906 |
| Memoranda: | ||
| Average total assets | $46,028,330 | 6,595 |
| Average earning assets | $42,708,670 | 6,554 |
| Average equity | $3,587,670 | 6,957 |
| Average total loans | $35,049,330 | 6,021 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9795% | 490 |
| Cost of funding earning assets | 1.2090% | 2,761 |
| Net interest margin | 4.7705% | 609 |
| Noninterest income to average assets | 0.3056% | 5,484 |
| Noninterest expense to average assets | 3.8415% | 1,269 |
| Loan and lease loss provision to assets | 0.1921% | 3,710 |
| Net operating income to assets | 0.7159% | 3,445 |
| Return on assets (ROA) | 0.7159% | 3,508 |
| Pretax return on assets | 0.7159% | 4,241 |
| Return on Equity (ROE) | 9.1825% | 2,394 |
| Retained earnings to average equity (ytd only) | -0.8959% | 5,961 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8824% | 2,383 |
| Assets per employee ($millions) | 3.2173% | 5,671 |
| Cash dividends to net income (ytd only)* | 109.7561% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 4,879 |
| Loan loss allowance to noncurrent loans | 202.1277% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.6572% | 5,646 |
| Noncurrent loans to loans | 0.6702% | 5,692 |
| Net loans and leases to total assets | 76.7928% | 904 |
| Net loans and leases to deposits | 90.4264% | 1,185 |
| Net loans and leases to core deposits | 98.5722% | 1,470 |
| Total domestic deposits to total assets | 84.9230% | 4,068 |
| Equity capital to assets | 7.7861% | 6,685 |
| Core capital (leverage) ratio | 7.4795% | 6,741 |
| Tier 1 risk-based capital ratio | 10.1785% | 6,935 |
| Total risk-based capital ratio | 11.4302% | 6,939 |
| Memoranda: | ||
| Average total assets | $45,815,500 | 6,644 |
| Average earning assets | $42,679,000 | 6,601 |
| Average equity | $3,572,000 | 6,994 |
| Average total loans | $34,853,000 | 6,089 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3906% | 388 |
| Cost of funding earning assets | 1.4338% | 3,053 |
| Net interest margin | 4.9568% | 478 |
| Noninterest income to average assets | 0.2645% | 5,895 |
| Noninterest expense to average assets | 3.8906% | 1,333 |
| Loan and lease loss provision to assets | 0.1639% | 5,576 |
| Net operating income to assets | 0.8044% | 2,783 |
| Return on assets (ROA) | 0.8044% | 2,914 |
| Pretax return on assets | 0.8044% | 3,617 |
| Return on Equity (ROE) | 10.3208% | 1,810 |
| Retained earnings to average equity (ytd only) | 3.3094% | 3,551 |
| Net charge-offs to loans | 0.0608% | 6,183 |
| Credit loss provision to net charge-offs | 340.9091% | 753 |
| Earnings coverage of net charge-offs (x) | 20.1364% | 1,021 |
| Efficiency ratio | 80.0720% | 2,403 |
| Assets per employee ($millions) | 3.3278% | 5,368 |
| Cash dividends to net income (ytd only)* | 67.9348% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 4,965 |
| Loan loss allowance to noncurrent loans | 196.1039% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.6268% | 5,755 |
| Noncurrent loans to loans | 0.6668% | 5,712 |
| Net loans and leases to total assets | 73.3843% | 1,791 |
| Net loans and leases to deposits | 86.5698% | 1,994 |
| Net loans and leases to core deposits | 92.8670% | 2,402 |
| Total domestic deposits to total assets | 84.7689% | 3,960 |
| Equity capital to assets | 7.8066% | 6,667 |
| Core capital (leverage) ratio | 7.3639% | 6,809 |
| Tier 1 risk-based capital ratio | 9.7566% | 7,064 |
| Total risk-based capital ratio | 11.0329% | 7,054 |
| Memoranda: | ||
| Average total assets | $45,751,200 | 6,673 |
| Average earning assets | $42,406,200 | 6,627 |
| Average equity | $3,565,600 | 7,119 |
| Average total loans | $36,188,200 | 6,107 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4786% | 357 |
| Cost of funding earning assets | 1.4576% | 3,231 |
| Net interest margin | 5.0210% | 421 |
| Noninterest income to average assets | 0.2957% | 5,769 |
| Noninterest expense to average assets | 3.7620% | 1,447 |
| Loan and lease loss provision to assets | 0.1552% | 5,488 |
| Net operating income to assets | 1.0276% | 2,143 |
| Return on assets (ROA) | 1.0276% | 2,251 |
| Pretax return on assets | 1.0276% | 3,082 |
| Return on Equity (ROE) | 13.1912% | 1,209 |
| Retained earnings to average equity (ytd only) | 5.2991% | 2,775 |
| Net charge-offs to loans | 0.0875% | 5,656 |
| Credit loss provision to net charge-offs | 220.8333% | 1,562 |
| Earnings coverage of net charge-offs (x) | 16.8328% | 1,360 |
| Efficiency ratio | 76.0805% | 2,938 |
| Assets per employee ($millions) | 3.2858% | 5,503 |
| Cash dividends to net income (ytd only)* | 59.8282% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 5,598 |
| Loan loss allowance to noncurrent loans | 72.9592% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 1.4152% | 4,331 |
| Noncurrent loans to loans | 1.6150% | 4,221 |
| Net loans and leases to total assets | 78.2157% | 1,004 |
| Net loans and leases to deposits | 92.5031% | 1,386 |
| Net loans and leases to core deposits | 94.1293% | 2,511 |
| Total domestic deposits to total assets | 84.5547% | 3,848 |
| Equity capital to assets | 7.9585% | 6,833 |
| Core capital (leverage) ratio | 7.4151% | 6,916 |
| Tier 1 risk-based capital ratio | 9.8092% | 7,154 |
| Total risk-based capital ratio | 11.0164% | 7,160 |
| Memoranda: | ||
| Average total assets | $45,541,750 | 6,759 |
| Average earning assets | $42,168,500 | 6,717 |
| Average equity | $3,547,750 | 7,215 |
| Average total loans | $36,574,750 | 6,171 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4129% | 401 |
| Cost of funding earning assets | 1.4557% | 3,528 |
| Net interest margin | 4.9571% | 464 |
| Noninterest income to average assets | 0.2688% | 6,000 |
| Noninterest expense to average assets | 3.7895% | 1,375 |
| Loan and lease loss provision to assets | 0.1322% | 5,566 |
| Net operating income to assets | 0.9386% | 2,406 |
| Return on assets (ROA) | 0.9386% | 2,497 |
| Pretax return on assets | 0.9386% | 3,352 |
| Return on Equity (ROE) | 12.1368% | 1,419 |
| Retained earnings to average equity (ytd only) | 2.4501% | 4,593 |
| Net charge-offs to loans | 0.0273% | 5,947 |
| Credit loss provision to net charge-offs | 600.0000% | 608 |
| Earnings coverage of net charge-offs (x) | 48.6000% | 610 |
| Efficiency ratio | 77.9692% | 2,733 |
| Assets per employee ($millions) | 3.3064% | 5,418 |
| Cash dividends to net income (ytd only)* | 79.8122% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 5,795 |
| Loan loss allowance to noncurrent loans | 110.1036% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.9722% | 5,195 |
| Noncurrent loans to loans | 1.0267% | 5,252 |
| Net loans and leases to total assets | 80.3042% | 757 |
| Net loans and leases to deposits | 96.6159% | 993 |
| Net loans and leases to core deposits | 99.0224% | 2,123 |
| Total domestic deposits to total assets | 83.1169% | 4,520 |
| Equity capital to assets | 7.6476% | 7,026 |
| Core capital (leverage) ratio | 7.4195% | 6,904 |
| Tier 1 risk-based capital ratio | 9.1791% | 7,379 |
| Total risk-based capital ratio | 10.3302% | 7,404 |
| Memoranda: | ||
| Average total assets | $45,388,670 | 6,815 |
| Average earning assets | $42,040,330 | 6,779 |
| Average equity | $3,510,000 | 7,263 |
| Average total loans | $36,630,000 | 6,212 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3618% | 477 |
| Cost of funding earning assets | 1.4555% | 3,833 |
| Net interest margin | 4.9063% | 511 |
| Noninterest income to average assets | 0.2670% | 6,017 |
| Noninterest expense to average assets | 3.7829% | 1,352 |
| Loan and lease loss provision to assets | 0.1335% | 5,228 |
| Net operating income to assets | 0.8812% | 2,629 |
| Return on assets (ROA) | 0.8812% | 2,703 |
| Pretax return on assets | 0.8812% | 3,533 |
| Return on Equity (ROE) | 11.3305% | 1,687 |
| Retained earnings to average equity (ytd only) | 1.0300% | 5,401 |
| Net charge-offs to loans | -0.0111% | 6,912 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8497% | 2,751 |
| Assets per employee ($millions) | 2.9891% | 6,238 |
| Cash dividends to net income (ytd only)* | 90.9091% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 5,821 |
| Loan loss allowance to noncurrent loans | 424.4898% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.2186% | 6,912 |
| Noncurrent loans to loans | 0.2685% | 6,785 |
| Net loans and leases to total assets | 80.4849% | 771 |
| Net loans and leases to deposits | 97.4113% | 965 |
| Net loans and leases to core deposits | 99.2301% | 2,208 |
| Total domestic deposits to total assets | 82.6237% | 4,787 |
| Equity capital to assets | 7.8239% | 6,826 |
| Core capital (leverage) ratio | 7.6198% | 6,713 |
| Tier 1 risk-based capital ratio | 9.3736% | 7,361 |
| Total risk-based capital ratio | 10.5359% | 7,395 |
| Memoranda: | ||
| Average total assets | $44,938,500 | 6,915 |
| Average earning assets | $41,498,000 | 6,879 |
| Average equity | $3,495,000 | 7,345 |
| Average total loans | $36,146,500 | 6,304 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7878% | 392 |
| Cost of funding earning assets | 1.8369% | 3,798 |
| Net interest margin | 4.9508% | 495 |
| Noninterest income to average assets | 0.5077% | 4,356 |
| Noninterest expense to average assets | 3.9215% | 1,480 |
| Loan and lease loss provision to assets | 0.0955% | 6,656 |
| Net operating income to assets | 1.0409% | 1,702 |
| Return on assets (ROA) | 1.0409% | 1,744 |
| Pretax return on assets | 1.0409% | 2,454 |
| Return on Equity (ROE) | 13.2696% | 902 |
| Retained earnings to average equity (ytd only) | 2.6420% | 3,298 |
| Net charge-offs to loans | 0.0704% | 6,415 |
| Credit loss provision to net charge-offs | 170.8333% | 2,492 |
| Earnings coverage of net charge-offs (x) | 20.3333% | 1,045 |
| Efficiency ratio | 77.5322% | 3,264 |
| Assets per employee ($millions) | 3.2171% | 5,685 |
| Cash dividends to net income (ytd only)* | 80.0895% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 5,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 78.5746% | 1,268 |
| Net loans and leases to deposits | 94.8921% | 1,476 |
| Net loans and leases to core deposits | 110.7807% | 2,815 |
| Total domestic deposits to total assets | 82.8042% | 4,614 |
| Equity capital to assets | 7.7309% | 6,831 |
| Core capital (leverage) ratio | 7.5935% | 6,689 |
| Tier 1 risk-based capital ratio | 9.3355% | 7,311 |
| Total risk-based capital ratio | 10.4518% | 7,376 |
| Memoranda: | ||
| Average total assets | $42,942,600 | 6,992 |
| Average earning assets | $39,468,000 | 6,958 |
| Average equity | $3,368,600 | 7,483 |
| Average total loans | $34,074,000 | 6,391 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8001% | 414 |
| Cost of funding earning assets | 1.9248% | 3,749 |
| Net interest margin | 4.8753% | 586 |
| Noninterest income to average assets | 0.3646% | 5,584 |
| Noninterest expense to average assets | 3.7467% | 1,710 |
| Loan and lease loss provision to assets | 0.0943% | 6,423 |
| Net operating income to assets | 1.0058% | 2,032 |
| Return on assets (ROA) | 1.0058% | 2,096 |
| Pretax return on assets | 1.0058% | 2,886 |
| Return on Equity (ROE) | 12.7733% | 1,153 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,202 |
| Net charge-offs to loans | 0.0753% | 5,936 |
| Credit loss provision to net charge-offs | 157.8947% | 3,016 |
| Earnings coverage of net charge-offs (x) | 18.4232% | 1,350 |
| Efficiency ratio | 77.3022% | 3,272 |
| Assets per employee ($millions) | 3.1252% | 5,842 |
| Cash dividends to net income (ytd only)* | 100.0000% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 5,771 |
| Loan loss allowance to noncurrent loans | 9,825.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 7,575 |
| Noncurrent loans to loans | 0.0111% | 7,502 |
| Net loans and leases to total assets | 81.2539% | 939 |
| Net loans and leases to deposits | 98.7528% | 1,239 |
| Net loans and leases to core deposits | 115.6770% | 2,658 |
| Total domestic deposits to total assets | 82.2801% | 4,551 |
| Equity capital to assets | 7.8143% | 7,025 |
| Core capital (leverage) ratio | 7.4872% | 6,994 |
| Tier 1 risk-based capital ratio | 9.4956% | 7,376 |
| Total risk-based capital ratio | 10.6414% | 7,409 |
| Memoranda: | ||
| Average total assets | $42,418,250 | 7,060 |
| Average earning assets | $38,998,500 | 7,033 |
| Average equity | $3,340,250 | 7,556 |
| Average total loans | $33,645,000 | 6,468 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7946% | 456 |
| Cost of funding earning assets | 2.0015% | 3,772 |
| Net interest margin | 4.7931% | 659 |
| Noninterest income to average assets | 0.3335% | 5,843 |
| Noninterest expense to average assets | 3.8453% | 1,580 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8815% | 2,529 |
| Return on assets (ROA) | 0.8815% | 2,637 |
| Pretax return on assets | 0.8815% | 3,401 |
| Return on Equity (ROE) | 11.1648% | 1,655 |
| Retained earnings to average equity (ytd only) | -5.7333% | 6,409 |
| Net charge-offs to loans | -0.0973% | 7,948 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3508% | 2,829 |
| Assets per employee ($millions) | 3.5511% | 4,682 |
| Cash dividends to net income (ytd only)* | 151.3514% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 5,170 |
| Loan loss allowance to noncurrent loans | 198.5075% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 6,260 |
| Noncurrent loans to loans | 0.5864% | 6,082 |
| Net loans and leases to total assets | 79.5039% | 1,401 |
| Net loans and leases to deposits | 95.6872% | 1,847 |
| Net loans and leases to core deposits | 112.2379% | 3,108 |
| Total domestic deposits to total assets | 83.0873% | 4,198 |
| Equity capital to assets | 7.7160% | 7,056 |
| Core capital (leverage) ratio | 7.4675% | 7,062 |
| Tier 1 risk-based capital ratio | 9.5611% | 7,339 |
| Total risk-based capital ratio | 10.7680% | 7,332 |
| Memoranda: | ||
| Average total assets | $41,973,330 | 7,134 |
| Average earning assets | $38,471,670 | 7,112 |
| Average equity | $3,314,000 | 7,628 |
| Average total loans | $32,878,670 | 6,561 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7055% | 578 |
| Cost of funding earning assets | 2.0770% | 3,756 |
| Net interest margin | 4.6285% | 894 |
| Noninterest income to average assets | 0.3169% | 5,908 |
| Noninterest expense to average assets | 3.9661% | 1,222 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5666% | 4,155 |
| Return on assets (ROA) | 0.5666% | 4,347 |
| Pretax return on assets | 0.5666% | 4,858 |
| Return on Equity (ROE) | 7.0935% | 3,558 |
| Retained earnings to average equity (ytd only) | -16.9522% | 7,532 |
| Net charge-offs to loans | -0.2237% | 8,024 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5000% | 1,932 |
| Assets per employee ($millions) | 3.1787% | 5,652 |
| Cash dividends to net income (ytd only)* | 338.9831% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 4,477 |
| Loan loss allowance to noncurrent loans | 193.7198% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.5687% | 5,761 |
| Noncurrent loans to loans | 0.6432% | 5,805 |
| Net loans and leases to total assets | 76.9112% | 2,061 |
| Net loans and leases to deposits | 92.0897% | 2,584 |
| Net loans and leases to core deposits | 107.8014% | 3,712 |
| Total domestic deposits to total assets | 83.5177% | 3,914 |
| Equity capital to assets | 7.8116% | 7,051 |
| Core capital (leverage) ratio | 7.5404% | 7,104 |
| Tier 1 risk-based capital ratio | 9.7096% | 7,249 |
| Total risk-based capital ratio | 10.9591% | 7,154 |
| Memoranda: | ||
| Average total assets | $41,653,500 | 7,183 |
| Average earning assets | $37,939,000 | 7,173 |
| Average equity | $3,327,000 | 7,678 |
| Average total loans | $32,179,000 | 6,634 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2678% | 636 |
| Cost of funding earning assets | 2.5369% | 4,013 |
| Net interest margin | 4.7308% | 907 |
| Noninterest income to average assets | 0.3603% | 5,841 |
| Noninterest expense to average assets | 3.6842% | 1,979 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9716% | 2,680 |
| Return on assets (ROA) | 0.9716% | 2,562 |
| Pretax return on assets | 0.9716% | 3,481 |
| Return on Equity (ROE) | 13.2682% | 1,266 |
| Retained earnings to average equity (ytd only) | 11.6811% | 252 |
| Net charge-offs to loans | -0.4018% | 8,206 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1313% | 2,734 |
| Assets per employee ($millions) | 3.2295% | 5,400 |
| Cash dividends to net income (ytd only)* | 11.9617% | 4,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 4,621 |
| Loan loss allowance to noncurrent loans | 229.3413% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.3978% | 6,035 |
| Noncurrent loans to loans | 0.5190% | 5,795 |
| Net loans and leases to total assets | 75.7241% | 2,702 |
| Net loans and leases to deposits | 92.5316% | 3,047 |
| Net loans and leases to core deposits | 106.8423% | 4,101 |
| Total domestic deposits to total assets | 81.8359% | 4,265 |
| Equity capital to assets | 8.1603% | 6,615 |
| Core capital (leverage) ratio | 7.8501% | 6,722 |
| Tier 1 risk-based capital ratio | 10.2171% | 6,500 |
| Total risk-based capital ratio | 11.4019% | 6,435 |
| Memoranda: | ||
| Average total assets | $43,021,400 | 7,076 |
| Average earning assets | $39,062,800 | 7,079 |
| Average equity | $3,150,400 | 7,788 |
| Average total loans | $32,855,800 | 6,560 |