Home > Sanborn Savings Bank > Performance and Condition Ratios
Sanborn Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5040% | 3,093 |
| Cost of funding earning assets | 1.7019% | 1,453 |
| Net interest margin | 2.8021% | 3,654 |
| Noninterest income to average assets | 1.6300% | 349 |
| Noninterest expense to average assets | 2.0965% | 3,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.0610% | 428 |
| Return on assets (ROA) | 1.7335% | 658 |
| Pretax return on assets | 1.8224% | 860 |
| Return on Equity (ROE) | 20.3300% | 589 |
| Retained earnings to average equity (ytd only) | 3.1858% | 3,219 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 49.1714% | 4,029 |
| Assets per employee ($millions) | 8.5956% | 1,148 |
| Cash dividends to net income (ytd only)* | 84.3289% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 1,628 |
| Loan loss allowance to noncurrent loans | 25,566.6667% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 3,807 |
| Noncurrent loans to loans | 0.0052% | 3,746 |
| Net loans and leases to total assets | 65.9400% | 2,262 |
| Net loans and leases to deposits | 88.2488% | 1,406 |
| Net loans and leases to core deposits | 95.2042% | 1,700 |
| Total domestic deposits to total assets | 74.7200% | 4,050 |
| Equity capital to assets | 8.8592% | 2,778 |
| Core capital (leverage) ratio | 9.0220% | 3,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $82,090,600 | 3,998 |
| Average earning assets | $77,264,800 | 3,955 |
| Average equity | $6,999,800 | 4,051 |
| Average total loans | $52,909,400 | 3,799 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3846% | 3,130 |
| Cost of funding earning assets | 1.5601% | 1,454 |
| Net interest margin | 2.8246% | 3,685 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.0445% | 3,485 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7560% | 3,146 |
| Return on assets (ROA) | 0.7560% | 3,142 |
| Pretax return on assets | 0.8119% | 3,304 |
| Return on Equity (ROE) | 8.9600% | 2,942 |
| Retained earnings to average equity (ytd only) | 1.6554% | 3,806 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.5765% | 1,614 |
| Assets per employee ($millions) | 8.3402% | 1,194 |
| Cash dividends to net income (ytd only)* | 81.5217% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3940% | 1,470 |
| Loan loss allowance to noncurrent loans | 4,511.7647% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 3,623 |
| Noncurrent loans to loans | 0.0309% | 3,549 |
| Net loans and leases to total assets | 65.0500% | 2,339 |
| Net loans and leases to deposits | 86.1015% | 1,561 |
| Net loans and leases to core deposits | 92.3035% | 1,774 |
| Total domestic deposits to total assets | 75.5500% | 4,058 |
| Equity capital to assets | 8.1125% | 2,974 |
| Core capital (leverage) ratio | 9.0538% | 3,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $81,124,250 | 4,021 |
| Average earning assets | $76,233,750 | 3,984 |
| Average equity | $6,846,000 | 4,062 |
| Average total loans | $51,776,000 | 3,827 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2118% | 3,270 |
| Cost of funding earning assets | 1.3200% | 1,657 |
| Net interest margin | 2.8918% | 3,661 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.0755% | 3,412 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7864% | 3,118 |
| Return on assets (ROA) | 0.7864% | 3,131 |
| Pretax return on assets | 0.8437% | 3,294 |
| Return on Equity (ROE) | 9.2000% | 2,928 |
| Retained earnings to average equity (ytd only) | 1.0476% | 3,901 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.0997% | 1,656 |
| Assets per employee ($millions) | 8.2004% | 1,230 |
| Cash dividends to net income (ytd only)* | 88.6076% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 1,305 |
| Loan loss allowance to noncurrent loans | 19,175.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 3,825 |
| Noncurrent loans to loans | 0.0076% | 3,746 |
| Net loans and leases to total assets | 63.0900% | 2,473 |
| Net loans and leases to deposits | 84.3244% | 1,642 |
| Net loans and leases to core deposits | 89.1103% | 1,859 |
| Total domestic deposits to total assets | 74.8100% | 4,137 |
| Equity capital to assets | 8.3715% | 2,972 |
| Core capital (leverage) ratio | 9.2690% | 3,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $80,365,000 | 4,042 |
| Average earning assets | $75,454,333 | 4,011 |
| Average equity | $6,872,667 | 4,091 |
| Average total loans | $50,693,667 | 3,851 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1092% | 3,239 |
| Cost of funding earning assets | 1.0918% | 1,775 |
| Net interest margin | 3.0173% | 3,555 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.1170% | 3,338 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8297% | 3,093 |
| Return on assets (ROA) | 0.8297% | 3,048 |
| Pretax return on assets | 0.8850% | 3,280 |
| Return on Equity (ROE) | 9.6000% | 2,895 |
| Retained earnings to average equity (ytd only) | 1.4542% | 3,790 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.5193% | 1,703 |
| Assets per employee ($millions) | 7.2790% | 1,762 |
| Cash dividends to net income (ytd only)* | 84.8485% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5743% | 1,063 |
| Loan loss allowance to noncurrent loans | 19,175.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 3,850 |
| Noncurrent loans to loans | 0.0082% | 3,775 |
| Net loans and leases to total assets | 59.8900% | 2,663 |
| Net loans and leases to deposits | 73.2570% | 2,365 |
| Net loans and leases to core deposits | 77.7590% | 2,403 |
| Total domestic deposits to total assets | 81.7500% | 3,522 |
| Equity capital to assets | 8.7125% | 2,728 |
| Core capital (leverage) ratio | 9.4719% | 3,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $79,545,500 | 4,103 |
| Average earning assets | $74,370,500 | 4,072 |
| Average equity | $6,876,500 | 4,140 |
| Average total loans | $49,790,500 | 3,909 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5647% | 2,903 |
| Cost of funding earning assets | 0.4400% | 1,791 |
| Net interest margin | 3.1248% | 3,100 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.0349% | 3,485 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1008% | 2,169 |
| Return on assets (ROA) | 1.1008% | 2,104 |
| Pretax return on assets | 1.1590% | 2,575 |
| Return on Equity (ROE) | 12.4100% | 2,003 |
| Retained earnings to average equity (ytd only) | 5.1992% | 2,961 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.7136% | 2,535 |
| Assets per employee ($millions) | 7.1838% | 1,837 |
| Cash dividends to net income (ytd only)* | 58.0986% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5081% | 1,173 |
| Loan loss allowance to noncurrent loans | 15,340.0000% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 3,851 |
| Noncurrent loans to loans | 0.0098% | 3,776 |
| Net loans and leases to total assets | 63.3900% | 2,296 |
| Net loans and leases to deposits | 79.0148% | 1,844 |
| Net loans and leases to core deposits | 80.4100% | 2,108 |
| Total domestic deposits to total assets | 80.2300% | 3,844 |
| Equity capital to assets | 8.5761% | 2,651 |
| Core capital (leverage) ratio | 9.7045% | 2,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $77,397,600 | 4,156 |
| Average earning assets | $73,413,600 | 4,115 |
| Average equity | $6,866,400 | 4,231 |
| Average total loans | $49,718,200 | 3,897 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4517% | 2,771 |
| Cost of funding earning assets | 0.3623% | 1,597 |
| Net interest margin | 3.0895% | 2,964 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 1.9326% | 3,665 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1932% | 1,720 |
| Return on assets (ROA) | 1.1932% | 1,696 |
| Pretax return on assets | 1.2469% | 2,214 |
| Return on Equity (ROE) | 13.3400% | 1,600 |
| Retained earnings to average equity (ytd only) | 6.4645% | 2,566 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.7843% | 3,015 |
| Assets per employee ($millions) | 7.1534% | 1,840 |
| Cash dividends to net income (ytd only)* | 51.5239% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5470% | 1,175 |
| Loan loss allowance to noncurrent loans | 15,340.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 3,946 |
| Noncurrent loans to loans | 0.0101% | 3,873 |
| Net loans and leases to total assets | 62.0300% | 2,287 |
| Net loans and leases to deposits | 73.6889% | 2,084 |
| Net loans and leases to core deposits | 76.6716% | 2,149 |
| Total domestic deposits to total assets | 84.1800% | 3,460 |
| Equity capital to assets | 8.3546% | 2,637 |
| Core capital (leverage) ratio | 9.4817% | 3,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $76,991,500 | 4,188 |
| Average earning assets | $73,236,500 | 4,148 |
| Average equity | $6,888,750 | 4,273 |
| Average total loans | $49,432,750 | 3,920 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3390% | 2,613 |
| Cost of funding earning assets | 0.3133% | 1,589 |
| Net interest margin | 3.0257% | 2,808 |
| Noninterest income to average assets | 0.2695% | 3,556 |
| Noninterest expense to average assets | 1.9705% | 3,512 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1305% | 1,661 |
| Return on assets (ROA) | 1.1305% | 1,641 |
| Pretax return on assets | 1.1802% | 2,135 |
| Return on Equity (ROE) | 12.3540% | 1,565 |
| Retained earnings to average equity (ytd only) | 4.3468% | 2,949 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5415% | 2,976 |
| Assets per employee ($millions) | 7.0818% | 1,888 |
| Cash dividends to net income (ytd only)* | 64.8148% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 1,254 |
| Loan loss allowance to noncurrent loans | 132.9289% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.7407% | 714 |
| Noncurrent loans to loans | 1.1722% | 683 |
| Net loans and leases to total assets | 62.2041% | 2,106 |
| Net loans and leases to deposits | 74.4301% | 1,818 |
| Net loans and leases to core deposits | 76.8805% | 1,934 |
| Total domestic deposits to total assets | 83.5738% | 3,780 |
| Equity capital to assets | 8.6650% | 2,641 |
| Core capital (leverage) ratio | 9.3773% | 3,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,426,333 | 4,240 |
| Average earning assets | $72,777,000 | 4,213 |
| Average equity | $6,993,667 | 4,322 |
| Average total loans | $49,383,667 | 3,969 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2786% | 2,451 |
| Cost of funding earning assets | 0.2935% | 1,718 |
| Net interest margin | 2.9850% | 2,547 |
| Noninterest income to average assets | 0.2537% | 3,625 |
| Noninterest expense to average assets | 2.0241% | 3,376 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0252% | 1,783 |
| Return on assets (ROA) | 1.0252% | 1,773 |
| Pretax return on assets | 1.0781% | 2,216 |
| Return on Equity (ROE) | 10.9058% | 1,648 |
| Retained earnings to average equity (ytd only) | 3.0356% | 3,248 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2470% | 2,866 |
| Assets per employee ($millions) | 6.3425% | 2,510 |
| Cash dividends to net income (ytd only)* | 72.1649% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5546% | 1,394 |
| Loan loss allowance to noncurrent loans | 815.9574% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 2,948 |
| Noncurrent loans to loans | 0.1905% | 2,865 |
| Net loans and leases to total assets | 63.8155% | 1,642 |
| Net loans and leases to deposits | 80.3939% | 1,117 |
| Net loans and leases to core deposits | 81.4728% | 1,383 |
| Total domestic deposits to total assets | 79.3785% | 4,325 |
| Equity capital to assets | 8.9712% | 2,732 |
| Core capital (leverage) ratio | 9.4807% | 2,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,689,500 | 4,277 |
| Average earning assets | $72,227,000 | 4,236 |
| Average equity | $7,115,500 | 4,352 |
| Average total loans | $49,463,500 | 3,982 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9260% | 1,548 |
| Cost of funding earning assets | 0.4336% | 1,300 |
| Net interest margin | 3.4924% | 1,758 |
| Noninterest income to average assets | 0.2126% | 4,099 |
| Noninterest expense to average assets | 2.1414% | 3,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3160% | 1,560 |
| Return on assets (ROA) | 1.3160% | 1,598 |
| Pretax return on assets | 1.3841% | 2,101 |
| Return on Equity (ROE) | 12.7405% | 1,555 |
| Retained earnings to average equity (ytd only) | 4.1302% | 3,173 |
| Net charge-offs to loans | -0.2324% | 4,723 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7410% | 3,036 |
| Assets per employee ($millions) | 6.2724% | 2,506 |
| Cash dividends to net income (ytd only)* | 67.5818% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5467% | 1,402 |
| Loan loss allowance to noncurrent loans | 576.6917% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.1767% | 2,700 |
| Noncurrent loans to loans | 0.2682% | 2,646 |
| Net loans and leases to total assets | 64.8647% | 1,596 |
| Net loans and leases to deposits | 80.8475% | 1,146 |
| Net loans and leases to core deposits | 81.9329% | 1,463 |
| Total domestic deposits to total assets | 80.2309% | 4,201 |
| Equity capital to assets | 9.8354% | 2,817 |
| Core capital (leverage) ratio | 9.7173% | 2,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,961,600 | 4,315 |
| Average earning assets | $68,263,200 | 4,290 |
| Average equity | $7,433,000 | 4,386 |
| Average total loans | $47,763,200 | 4,044 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1372% | 1,223 |
| Cost of funding earning assets | 0.4619% | 1,277 |
| Net interest margin | 3.6753% | 1,397 |
| Noninterest income to average assets | 0.2118% | 4,135 |
| Noninterest expense to average assets | 2.0768% | 3,429 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5501% | 1,145 |
| Return on assets (ROA) | 1.5501% | 1,191 |
| Pretax return on assets | 1.6100% | 1,670 |
| Return on Equity (ROE) | 14.8194% | 1,181 |
| Retained earnings to average equity (ytd only) | 6.2181% | 2,735 |
| Net charge-offs to loans | -0.3128% | 4,809 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3294% | 3,493 |
| Assets per employee ($millions) | 6.0380% | 2,658 |
| Cash dividends to net income (ytd only)* | 58.0411% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6404% | 1,244 |
| Loan loss allowance to noncurrent loans | 525.3425% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.2015% | 2,782 |
| Noncurrent loans to loans | 0.3123% | 2,666 |
| Net loans and leases to total assets | 63.4716% | 1,838 |
| Net loans and leases to deposits | 83.3995% | 1,006 |
| Net loans and leases to core deposits | 84.6273% | 1,379 |
| Total domestic deposits to total assets | 76.1055% | 4,532 |
| Equity capital to assets | 10.4063% | 2,526 |
| Core capital (leverage) ratio | 10.0020% | 2,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,134,750 | 4,381 |
| Average earning assets | $67,258,500 | 4,353 |
| Average equity | $7,440,500 | 4,447 |
| Average total loans | $47,306,500 | 4,108 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4855% | 743 |
| Cost of funding earning assets | 0.4802% | 1,321 |
| Net interest margin | 4.0053% | 810 |
| Noninterest income to average assets | 0.2037% | 4,185 |
| Noninterest expense to average assets | 2.0511% | 3,546 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8927% | 599 |
| Return on assets (ROA) | 1.8927% | 625 |
| Pretax return on assets | 1.9521% | 911 |
| Return on Equity (ROE) | 18.0632% | 643 |
| Retained earnings to average equity (ytd only) | 9.4231% | 1,579 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2367% | 4,122 |
| Assets per employee ($millions) | 5.8839% | 2,730 |
| Cash dividends to net income (ytd only)* | 47.8326% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3946% | 1,998 |
| Loan loss allowance to noncurrent loans | 465.2482% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 2,466 |
| Noncurrent loans to loans | 0.2997% | 2,854 |
| Net loans and leases to total assets | 65.6932% | 1,728 |
| Net loans and leases to deposits | 82.0506% | 1,216 |
| Net loans and leases to core deposits | 83.6788% | 1,591 |
| Total domestic deposits to total assets | 80.0643% | 4,228 |
| Equity capital to assets | 10.6675% | 2,247 |
| Core capital (leverage) ratio | 9.9274% | 2,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,694,333 | 4,415 |
| Average earning assets | $67,060,333 | 4,381 |
| Average equity | $7,407,333 | 4,476 |
| Average total loans | $47,490,000 | 4,126 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0345% | 334 |
| Cost of funding earning assets | 0.5011% | 1,392 |
| Net interest margin | 4.5335% | 339 |
| Noninterest income to average assets | 0.1923% | 4,234 |
| Noninterest expense to average assets | 2.0753% | 3,493 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.3580% | 338 |
| Return on assets (ROA) | 2.3580% | 358 |
| Pretax return on assets | 2.4145% | 508 |
| Return on Equity (ROE) | 22.7093% | 352 |
| Retained earnings to average equity (ytd only) | 12.9067% | 935 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2217% | 4,456 |
| Assets per employee ($millions) | 5.8766% | 2,721 |
| Cash dividends to net income (ytd only)* | 43.1655% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3850% | 2,026 |
| Loan loss allowance to noncurrent loans | 471.9424% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.2893% | 2,695 |
| Noncurrent loans to loans | 0.2935% | 3,051 |
| Net loans and leases to total assets | 66.2332% | 1,768 |
| Net loans and leases to deposits | 81.5900% | 1,362 |
| Net loans and leases to core deposits | 83.7854% | 1,696 |
| Total domestic deposits to total assets | 81.1781% | 4,039 |
| Equity capital to assets | 10.5461% | 2,222 |
| Core capital (leverage) ratio | 10.0640% | 2,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,738,000 | 4,425 |
| Average earning assets | $67,057,000 | 4,396 |
| Average equity | $7,345,000 | 4,496 |
| Average total loans | $47,715,000 | 4,144 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4323% | 1,491 |
| Cost of funding earning assets | 0.7735% | 1,329 |
| Net interest margin | 3.6588% | 1,941 |
| Noninterest income to average assets | 0.1854% | 4,364 |
| Noninterest expense to average assets | 2.0974% | 3,940 |
| Loan and lease loss provision to assets | 0.1606% | 2,366 |
| Net operating income to assets | 1.3121% | 1,215 |
| Return on assets (ROA) | 1.3121% | 1,319 |
| Pretax return on assets | 1.3793% | 1,723 |
| Return on Equity (ROE) | 12.7859% | 1,096 |
| Retained earnings to average equity (ytd only) | 4.8214% | 2,359 |
| Net charge-offs to loans | 0.1374% | 1,173 |
| Credit loss provision to net charge-offs | 161.7647% | 2,363 |
| Earnings coverage of net charge-offs (x) | 15.5147% | 2,169 |
| Efficiency ratio | 57.6645% | 3,774 |
| Assets per employee ($millions) | 6.4506% | 1,954 |
| Cash dividends to net income (ytd only)* | 62.2914% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 2,124 |
| Loan loss allowance to noncurrent loans | 504.6154% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.2748% | 2,918 |
| Noncurrent loans to loans | 0.2705% | 3,224 |
| Net loans and leases to total assets | 66.8165% | 1,975 |
| Net loans and leases to deposits | 83.2429% | 1,522 |
| Net loans and leases to core deposits | 84.4288% | 1,999 |
| Total domestic deposits to total assets | 80.2669% | 4,006 |
| Equity capital to assets | 10.2217% | 2,913 |
| Core capital (leverage) ratio | 9.9044% | 2,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $68,513,600 | 4,407 |
| Average earning assets | $64,639,200 | 4,379 |
| Average equity | $7,031,200 | 4,523 |
| Average total loans | $49,492,200 | 4,119 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6324% | 1,224 |
| Cost of funding earning assets | 0.8415% | 1,303 |
| Net interest margin | 3.7909% | 1,643 |
| Noninterest income to average assets | 0.1846% | 4,368 |
| Noninterest expense to average assets | 2.0185% | 4,111 |
| Loan and lease loss provision to assets | 0.1870% | 2,114 |
| Net operating income to assets | 1.5001% | 907 |
| Return on assets (ROA) | 1.5001% | 987 |
| Pretax return on assets | 1.5532% | 1,315 |
| Return on Equity (ROE) | 14.6026% | 766 |
| Retained earnings to average equity (ytd only) | 6.5750% | 1,857 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7095% | 4,180 |
| Assets per employee ($millions) | 6.2453% | 2,050 |
| Cash dividends to net income (ytd only)* | 54.9738% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 1,682 |
| Loan loss allowance to noncurrent loans | 1,012.8571% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.1965% | 3,455 |
| Noncurrent loans to loans | 0.1396% | 3,824 |
| Net loans and leases to total assets | 71.9759% | 1,670 |
| Net loans and leases to deposits | 91.2103% | 1,135 |
| Net loans and leases to core deposits | 94.5937% | 1,589 |
| Total domestic deposits to total assets | 78.9120% | 4,068 |
| Equity capital to assets | 10.5345% | 2,764 |
| Core capital (leverage) ratio | 9.9445% | 2,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,902,750 | 4,423 |
| Average earning assets | $64,010,750 | 4,402 |
| Average equity | $6,975,750 | 4,547 |
| Average total loans | $49,848,500 | 4,136 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6351% | 1,575 |
| Cost of funding earning assets | 0.9239% | 1,262 |
| Net interest margin | 3.7112% | 2,128 |
| Noninterest income to average assets | 0.1892% | 4,328 |
| Noninterest expense to average assets | 1.9693% | 4,293 |
| Loan and lease loss provision to assets | 0.2366% | 1,786 |
| Net operating income to assets | 1.4371% | 1,043 |
| Return on assets (ROA) | 1.4371% | 1,130 |
| Pretax return on assets | 1.4873% | 1,486 |
| Return on Equity (ROE) | 14.1101% | 863 |
| Retained earnings to average equity (ytd only) | 5.9808% | 2,091 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3227% | 4,249 |
| Assets per employee ($millions) | 6.2023% | 2,020 |
| Cash dividends to net income (ytd only)* | 57.6132% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 1,798 |
| Loan loss allowance to noncurrent loans | 1,101.5873% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.1876% | 3,594 |
| Noncurrent loans to loans | 0.1221% | 3,962 |
| Net loans and leases to total assets | 74.5841% | 1,333 |
| Net loans and leases to deposits | 94.6574% | 900 |
| Net loans and leases to core deposits | 99.1601% | 1,317 |
| Total domestic deposits to total assets | 78.7937% | 4,066 |
| Equity capital to assets | 10.4023% | 2,836 |
| Core capital (leverage) ratio | 9.9521% | 2,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,637,667 | 4,437 |
| Average earning assets | $63,860,000 | 4,410 |
| Average equity | $6,888,667 | 4,581 |
| Average total loans | $49,746,333 | 4,151 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4322% | 2,501 |
| Cost of funding earning assets | 1.1002% | 1,044 |
| Net interest margin | 3.3320% | 3,509 |
| Noninterest income to average assets | 0.2019% | 4,341 |
| Noninterest expense to average assets | 2.0551% | 4,300 |
| Loan and lease loss provision to assets | 0.0416% | 3,255 |
| Net operating income to assets | 1.2057% | 1,497 |
| Return on assets (ROA) | 1.2057% | 1,610 |
| Pretax return on assets | 1.2533% | 2,025 |
| Return on Equity (ROE) | 11.9685% | 1,113 |
| Retained earnings to average equity (ytd only) | 3.7143% | 2,798 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3475% | 3,571 |
| Assets per employee ($millions) | 5.9412% | 1,727 |
| Cash dividends to net income (ytd only)* | 68.9655% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 2,284 |
| Loan loss allowance to noncurrent loans | 369.6429% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.3565% | 3,010 |
| Noncurrent loans to loans | 0.3436% | 3,260 |
| Net loans and leases to total assets | 73.8619% | 1,630 |
| Net loans and leases to deposits | 93.4814% | 1,126 |
| Net loans and leases to core deposits | 97.9426% | 1,631 |
| Total domestic deposits to total assets | 79.0124% | 4,051 |
| Equity capital to assets | 10.3714% | 3,454 |
| Core capital (leverage) ratio | 9.4865% | 4,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,344,000 | 4,450 |
| Average earning assets | $63,625,000 | 4,425 |
| Average equity | $6,784,500 | 4,625 |
| Average total loans | $48,830,000 | 4,179 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6114% | 2,567 |
| Cost of funding earning assets | 1.2215% | 971 |
| Net interest margin | 3.3899% | 3,781 |
| Noninterest income to average assets | 0.1962% | 4,486 |
| Noninterest expense to average assets | 2.1519% | 4,264 |
| Loan and lease loss provision to assets | 0.1842% | 1,121 |
| Net operating income to assets | 0.9884% | 2,885 |
| Return on assets (ROA) | 0.9884% | 2,969 |
| Pretax return on assets | 1.0393% | 3,363 |
| Return on Equity (ROE) | 9.8590% | 2,357 |
| Retained earnings to average equity (ytd only) | 1.7925% | 4,086 |
| Net charge-offs to loans | 0.3463% | 583 |
| Credit loss provision to net charge-offs | 71.0983% | 2,901 |
| Earnings coverage of net charge-offs (x) | 4.7225% | 3,176 |
| Efficiency ratio | 63.7533% | 3,107 |
| Assets per employee ($millions) | 6.3032% | 1,417 |
| Cash dividends to net income (ytd only)* | 81.8182% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 2,122 |
| Loan loss allowance to noncurrent loans | 356.9767% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.3418% | 3,042 |
| Noncurrent loans to loans | 0.3527% | 3,187 |
| Net loans and leases to total assets | 69.4512% | 2,488 |
| Net loans and leases to deposits | 86.7015% | 2,009 |
| Net loans and leases to core deposits | 96.8835% | 1,824 |
| Total domestic deposits to total assets | 80.1038% | 3,956 |
| Equity capital to assets | 9.7945% | 4,104 |
| Core capital (leverage) ratio | 9.4076% | 4,162 |
| Tier 1 risk-based capital ratio | 13.5483% | 3,491 |
| Total risk-based capital ratio | 14.7969% | 3,395 |
| Memoranda: | ||
| Average total assets | $66,777,000 | 4,485 |
| Average earning assets | $62,627,000 | 4,466 |
| Average equity | $6,694,400 | 4,668 |
| Average total loans | $49,963,600 | 4,186 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6521% | 2,558 |
| Cost of funding earning assets | 1.2265% | 961 |
| Net interest margin | 3.4256% | 3,790 |
| Noninterest income to average assets | 0.1976% | 4,537 |
| Noninterest expense to average assets | 2.1107% | 4,342 |
| Loan and lease loss provision to assets | 0.2338% | 720 |
| Net operating income to assets | 1.0181% | 2,916 |
| Return on assets (ROA) | 1.0181% | 2,989 |
| Pretax return on assets | 1.0624% | 3,402 |
| Return on Equity (ROE) | 10.0944% | 2,391 |
| Retained earnings to average equity (ytd only) | 2.4986% | 4,096 |
| Net charge-offs to loans | 0.0026% | 3,334 |
| Credit loss provision to net charge-offs | 11,600.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 644.5940% | 152 |
| Efficiency ratio | 61.9527% | 3,335 |
| Assets per employee ($millions) | 6.1209% | 1,517 |
| Cash dividends to net income (ytd only)* | 75.2465% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5478% | 1,122 |
| Loan loss allowance to noncurrent loans | 182.0093% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.6357% | 2,094 |
| Noncurrent loans to loans | 0.8504% | 1,882 |
| Net loans and leases to total assets | 73.5957% | 1,900 |
| Net loans and leases to deposits | 92.4564% | 1,378 |
| Net loans and leases to core deposits | 101.9358% | 1,508 |
| Total domestic deposits to total assets | 79.6005% | 4,071 |
| Equity capital to assets | 10.0668% | 3,951 |
| Core capital (leverage) ratio | 9.8371% | 3,800 |
| Tier 1 risk-based capital ratio | 13.1394% | 3,770 |
| Total risk-based capital ratio | 14.3918% | 3,677 |
| Memoranda: | ||
| Average total assets | $66,137,500 | 4,551 |
| Average earning assets | $61,963,250 | 4,531 |
| Average equity | $6,670,250 | 4,729 |
| Average total loans | $50,262,500 | 4,222 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6142% | 2,631 |
| Cost of funding earning assets | 1.1981% | 1,006 |
| Net interest margin | 3.4161% | 3,844 |
| Noninterest income to average assets | 0.2008% | 4,548 |
| Noninterest expense to average assets | 2.1509% | 4,326 |
| Loan and lease loss provision to assets | 0.2829% | 515 |
| Net operating income to assets | 0.9309% | 3,163 |
| Return on assets (ROA) | 0.9309% | 3,227 |
| Pretax return on assets | 0.9766% | 3,628 |
| Return on Equity (ROE) | 9.2247% | 2,768 |
| Retained earnings to average equity (ytd only) | 1.9897% | 4,116 |
| Net charge-offs to loans | 0.0040% | 3,023 |
| Credit loss provision to net charge-offs | 9,300.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 414.0000% | 186 |
| Efficiency ratio | 63.0687% | 3,273 |
| Assets per employee ($millions) | 6.6085% | 1,184 |
| Cash dividends to net income (ytd only)* | 78.4314% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 1,239 |
| Loan loss allowance to noncurrent loans | 150.2982% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.7611% | 1,832 |
| Noncurrent loans to loans | 1.0057% | 1,629 |
| Net loans and leases to total assets | 74.5419% | 1,796 |
| Net loans and leases to deposits | 92.3442% | 1,452 |
| Net loans and leases to core deposits | 100.0426% | 1,719 |
| Total domestic deposits to total assets | 80.7218% | 3,887 |
| Equity capital to assets | 10.1612% | 3,826 |
| Core capital (leverage) ratio | 9.6412% | 3,987 |
| Tier 1 risk-based capital ratio | 13.0994% | 3,787 |
| Total risk-based capital ratio | 14.3514% | 3,694 |
| Memoranda: | ||
| Average total assets | $65,740,000 | 4,593 |
| Average earning assets | $61,765,670 | 4,573 |
| Average equity | $6,634,330 | 4,763 |
| Average total loans | $50,239,670 | 4,251 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5434% | 2,722 |
| Cost of funding earning assets | 1.1326% | 1,085 |
| Net interest margin | 3.4108% | 3,862 |
| Noninterest income to average assets | 0.1952% | 4,590 |
| Noninterest expense to average assets | 2.2145% | 4,226 |
| Loan and lease loss provision to assets | 0.2928% | 448 |
| Net operating income to assets | 0.8175% | 3,560 |
| Return on assets (ROA) | 0.8175% | 3,598 |
| Pretax return on assets | 0.8663% | 3,878 |
| Return on Equity (ROE) | 8.1286% | 3,205 |
| Retained earnings to average equity (ytd only) | 0.8493% | 4,352 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6420% | 2,989 |
| Assets per employee ($millions) | 5.9532% | 1,588 |
| Cash dividends to net income (ytd only)* | 89.5522% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 1,705 |
| Loan loss allowance to noncurrent loans | 164.8148% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.6597% | 2,116 |
| Noncurrent loans to loans | 0.8446% | 1,947 |
| Net loans and leases to total assets | 77.0222% | 1,312 |
| Net loans and leases to deposits | 97.8827% | 797 |
| Net loans and leases to core deposits | 102.0165% | 1,461 |
| Total domestic deposits to total assets | 78.6882% | 4,403 |
| Equity capital to assets | 10.1199% | 3,704 |
| Core capital (leverage) ratio | 9.9163% | 3,692 |
| Tier 1 risk-based capital ratio | 12.7184% | 4,029 |
| Total risk-based capital ratio | 13.9699% | 3,926 |
| Memoranda: | ||
| Average total assets | $65,567,500 | 4,644 |
| Average earning assets | $61,100,000 | 4,631 |
| Average equity | $6,594,000 | 4,804 |
| Average total loans | $50,351,000 | 4,293 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4885% | 2,496 |
| Cost of funding earning assets | 0.9623% | 873 |
| Net interest margin | 3.5262% | 3,615 |
| Noninterest income to average assets | 0.2266% | 4,562 |
| Noninterest expense to average assets | 2.1476% | 4,453 |
| Loan and lease loss provision to assets | 0.7465% | 135 |
| Net operating income to assets | 0.6070% | 4,395 |
| Return on assets (ROA) | 0.6070% | 4,405 |
| Pretax return on assets | 0.6371% | 4,566 |
| Return on Equity (ROE) | 5.7151% | 4,262 |
| Retained earnings to average equity (ytd only) | -2.2681% | 5,140 |
| Net charge-offs to loans | 0.5953% | 285 |
| Credit loss provision to net charge-offs | 162.9758% | 1,700 |
| Earnings coverage of net charge-offs (x) | 3.0208% | 3,459 |
| Efficiency ratio | 60.8169% | 3,723 |
| Assets per employee ($millions) | 5.9682% | 1,547 |
| Cash dividends to net income (ytd only)* | 139.6867% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 1,870 |
| Loan loss allowance to noncurrent loans | 155.1402% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.6519% | 2,090 |
| Noncurrent loans to loans | 0.8637% | 1,873 |
| Net loans and leases to total assets | 74.4676% | 1,851 |
| Net loans and leases to deposits | 92.2885% | 1,508 |
| Net loans and leases to core deposits | 97.4680% | 1,913 |
| Total domestic deposits to total assets | 80.6900% | 3,956 |
| Equity capital to assets | 9.9939% | 3,688 |
| Core capital (leverage) ratio | 9.8900% | 3,702 |
| Tier 1 risk-based capital ratio | 12.9827% | 3,852 |
| Total risk-based capital ratio | 14.2325% | 3,741 |
| Memoranda: | ||
| Average total assets | $63,094,200 | 4,700 |
| Average earning assets | $59,128,800 | 4,685 |
| Average equity | $6,701,600 | 4,793 |
| Average total loans | $48,545,200 | 4,341 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4179% | 2,571 |
| Cost of funding earning assets | 0.9239% | 822 |
| Net interest margin | 3.4940% | 3,715 |
| Noninterest income to average assets | 0.2242% | 4,628 |
| Noninterest expense to average assets | 2.1327% | 4,483 |
| Loan and lease loss provision to assets | 0.1729% | 1,070 |
| Net operating income to assets | 1.1421% | 2,480 |
| Return on assets (ROA) | 1.1421% | 2,492 |
| Pretax return on assets | 1.2126% | 2,945 |
| Return on Equity (ROE) | 10.5885% | 2,354 |
| Retained earnings to average equity (ytd only) | 1.6823% | 4,681 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6189% | 3,721 |
| Assets per employee ($millions) | 6.3678% | 1,250 |
| Cash dividends to net income (ytd only)* | 84.1123% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 2,992 |
| Loan loss allowance to noncurrent loans | 71.8112% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.2312% | 1,130 |
| Noncurrent loans to loans | 1.5816% | 1,008 |
| Net loans and leases to total assets | 76.9606% | 1,512 |
| Net loans and leases to deposits | 98.4393% | 917 |
| Net loans and leases to core deposits | 104.3124% | 1,436 |
| Total domestic deposits to total assets | 78.1808% | 4,458 |
| Equity capital to assets | 10.5955% | 3,050 |
| Core capital (leverage) ratio | 10.5672% | 3,006 |
| Tier 1 risk-based capital ratio | 13.4045% | 3,677 |
| Total risk-based capital ratio | 14.5507% | 3,650 |
| Memoranda: | ||
| Average total assets | $62,455,250 | 4,762 |
| Average earning assets | $58,880,500 | 4,740 |
| Average equity | $6,736,750 | 4,833 |
| Average total loans | $48,293,500 | 4,393 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4069% | 2,390 |
| Cost of funding earning assets | 0.8834% | 781 |
| Net interest margin | 3.5235% | 3,558 |
| Noninterest income to average assets | 0.2160% | 4,732 |
| Noninterest expense to average assets | 2.1371% | 4,524 |
| Loan and lease loss provision to assets | 0.1741% | 1,054 |
| Net operating income to assets | 1.1507% | 2,392 |
| Return on assets (ROA) | 1.1507% | 2,394 |
| Pretax return on assets | 1.2216% | 2,866 |
| Return on Equity (ROE) | 10.6040% | 2,278 |
| Retained earnings to average equity (ytd only) | 1.6931% | 4,569 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4927% | 3,864 |
| Assets per employee ($millions) | 6.2489% | 1,298 |
| Cash dividends to net income (ytd only)* | 84.0336% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 3,226 |
| Loan loss allowance to noncurrent loans | 974.5455% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 4,575 |
| Noncurrent loans to loans | 0.1134% | 4,399 |
| Net loans and leases to total assets | 76.7559% | 1,516 |
| Net loans and leases to deposits | 101.0045% | 735 |
| Net loans and leases to core deposits | 107.3140% | 1,163 |
| Total domestic deposits to total assets | 75.9926% | 4,852 |
| Equity capital to assets | 10.8195% | 2,818 |
| Core capital (leverage) ratio | 10.6334% | 2,885 |
| Tier 1 risk-based capital ratio | 13.6931% | 3,511 |
| Total risk-based capital ratio | 14.8126% | 3,492 |
| Memoranda: | ||
| Average total assets | $62,047,670 | 4,831 |
| Average earning assets | $58,408,330 | 4,807 |
| Average equity | $6,733,330 | 4,885 |
| Average total loans | $47,868,000 | 4,443 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4060% | 2,178 |
| Cost of funding earning assets | 0.8537% | 754 |
| Net interest margin | 3.5523% | 3,333 |
| Noninterest income to average assets | 0.2070% | 4,785 |
| Noninterest expense to average assets | 2.1544% | 4,530 |
| Loan and lease loss provision to assets | 0.1747% | 1,000 |
| Net operating income to assets | 1.1451% | 2,241 |
| Return on assets (ROA) | 1.1451% | 2,252 |
| Pretax return on assets | 1.2163% | 2,690 |
| Return on Equity (ROE) | 10.5365% | 2,157 |
| Retained earnings to average equity (ytd only) | 1.6073% | 4,456 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7664% | 3,977 |
| Assets per employee ($millions) | 6.1313% | 1,414 |
| Cash dividends to net income (ytd only)* | 84.7458% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 3,571 |
| Loan loss allowance to noncurrent loans | 1,454.2857% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 4,809 |
| Noncurrent loans to loans | 0.0733% | 4,652 |
| Net loans and leases to total assets | 77.0815% | 1,375 |
| Net loans and leases to deposits | 101.7328% | 602 |
| Net loans and leases to core deposits | 109.4917% | 1,030 |
| Total domestic deposits to total assets | 75.7686% | 4,981 |
| Equity capital to assets | 10.9585% | 2,627 |
| Core capital (leverage) ratio | 10.5305% | 2,911 |
| Tier 1 risk-based capital ratio | 13.8678% | 3,454 |
| Total risk-based capital ratio | 14.9492% | 3,454 |
| Memoranda: | ||
| Average total assets | $61,827,000 | 4,893 |
| Average earning assets | $58,102,500 | 4,870 |
| Average equity | $6,719,500 | 4,939 |
| Average total loans | $47,552,000 | 4,497 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1419% | 2,908 |
| Cost of funding earning assets | 0.5989% | 1,599 |
| Net interest margin | 3.5430% | 3,364 |
| Noninterest income to average assets | 0.2259% | 4,786 |
| Noninterest expense to average assets | 2.1589% | 4,625 |
| Loan and lease loss provision to assets | 0.2422% | 785 |
| Net operating income to assets | 1.1014% | 1,853 |
| Return on assets (ROA) | 1.0999% | 1,877 |
| Pretax return on assets | 1.1539% | 2,968 |
| Return on Equity (ROE) | 9.9881% | 1,891 |
| Retained earnings to average equity (ytd only) | 1.0702% | 4,604 |
| Net charge-offs to loans | 0.2733% | 955 |
| Credit loss provision to net charge-offs | 119.3548% | 2,193 |
| Earnings coverage of net charge-offs (x) | 6.8871% | 3,125 |
| Efficiency ratio | 60.6995% | 4,158 |
| Assets per employee ($millions) | 6.2341% | 1,362 |
| Cash dividends to net income (ytd only)* | 89.2857% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 3,821 |
| Loan loss allowance to noncurrent loans | 1,606.6667% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 4,898 |
| Noncurrent loans to loans | 0.0634% | 4,707 |
| Net loans and leases to total assets | 75.1544% | 1,732 |
| Net loans and leases to deposits | 99.9616% | 730 |
| Net loans and leases to core deposits | 105.8946% | 1,269 |
| Total domestic deposits to total assets | 75.1833% | 5,070 |
| Equity capital to assets | 10.7794% | 2,862 |
| Core capital (leverage) ratio | 10.7968% | 2,537 |
| Tier 1 risk-based capital ratio | 13.8309% | 3,457 |
| Total risk-based capital ratio | 14.8567% | 3,489 |
| Memoranda: | ||
| Average total assets | $61,097,000 | 4,942 |
| Average earning assets | $57,437,800 | 4,923 |
| Average equity | $6,728,000 | 4,990 |
| Average total loans | $45,367,600 | 4,581 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 2,983 |
| Cost of funding earning assets | 0.5610% | 1,802 |
| Net interest margin | 3.5380% | 3,356 |
| Noninterest income to average assets | 0.2259% | 4,860 |
| Noninterest expense to average assets | 2.1057% | 4,724 |
| Loan and lease loss provision to assets | 0.1974% | 962 |
| Net operating income to assets | 1.1865% | 1,751 |
| Return on assets (ROA) | 1.1845% | 1,799 |
| Pretax return on assets | 1.2546% | 2,685 |
| Return on Equity (ROE) | 10.6981% | 1,825 |
| Retained earnings to average equity (ytd only) | 1.7831% | 4,711 |
| Net charge-offs to loans | 0.1842% | 1,145 |
| Credit loss provision to net charge-offs | 145.1613% | 1,732 |
| Earnings coverage of net charge-offs (x) | 10.6942% | 2,571 |
| Efficiency ratio | 59.1497% | 4,331 |
| Assets per employee ($millions) | 6.1360% | 1,409 |
| Cash dividends to net income (ytd only)* | 83.3343% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 3,694 |
| Loan loss allowance to noncurrent loans | 528.2609% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 4,514 |
| Noncurrent loans to loans | 0.2019% | 4,275 |
| Net loans and leases to total assets | 73.4876% | 2,005 |
| Net loans and leases to deposits | 103.0769% | 546 |
| Net loans and leases to core deposits | 105.9119% | 1,280 |
| Total domestic deposits to total assets | 71.2940% | 5,424 |
| Equity capital to assets | 11.0968% | 2,765 |
| Core capital (leverage) ratio | 10.7824% | 2,660 |
| Tier 1 risk-based capital ratio | 14.2904% | 3,306 |
| Total risk-based capital ratio | 15.3561% | 3,305 |
| Memoranda: | ||
| Average total assets | $60,786,000 | 5,001 |
| Average earning assets | $57,281,000 | 4,979 |
| Average equity | $6,730,000 | 5,048 |
| Average total loans | $44,876,000 | 4,640 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0182% | 3,144 |
| Cost of funding earning assets | 0.5215% | 1,998 |
| Net interest margin | 3.4967% | 3,413 |
| Noninterest income to average assets | 0.2244% | 4,903 |
| Noninterest expense to average assets | 2.0893% | 4,791 |
| Loan and lease loss provision to assets | 0.1749% | 1,100 |
| Net operating income to assets | 1.1880% | 1,633 |
| Return on assets (ROA) | 1.1849% | 1,681 |
| Pretax return on assets | 1.2542% | 2,560 |
| Return on Equity (ROE) | 10.7106% | 1,754 |
| Retained earnings to average equity (ytd only) | 1.7602% | 4,544 |
| Net charge-offs to loans | 0.1702% | 1,144 |
| Credit loss provision to net charge-offs | 139.4737% | 1,606 |
| Earnings coverage of net charge-offs (x) | 11.4211% | 2,278 |
| Efficiency ratio | 59.3252% | 4,418 |
| Assets per employee ($millions) | 6.0507% | 1,421 |
| Cash dividends to net income (ytd only)* | 83.5655% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 3,793 |
| Loan loss allowance to noncurrent loans | 550.0000% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.1421% | 4,610 |
| Noncurrent loans to loans | 0.1928% | 4,349 |
| Net loans and leases to total assets | 72.9403% | 2,052 |
| Net loans and leases to deposits | 92.9842% | 1,362 |
| Net loans and leases to core deposits | 96.9531% | 1,890 |
| Total domestic deposits to total assets | 78.4438% | 4,743 |
| Equity capital to assets | 11.1789% | 2,627 |
| Core capital (leverage) ratio | 10.8592% | 2,541 |
| Tier 1 risk-based capital ratio | 14.6058% | 3,109 |
| Total risk-based capital ratio | 15.6710% | 3,137 |
| Memoranda: | ||
| Average total assets | $60,594,670 | 5,045 |
| Average earning assets | $57,139,670 | 5,016 |
| Average equity | $6,703,670 | 5,076 |
| Average total loans | $44,642,000 | 4,670 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9216% | 3,317 |
| Cost of funding earning assets | 0.4823% | 2,232 |
| Net interest margin | 3.4392% | 3,489 |
| Noninterest income to average assets | 0.2243% | 4,928 |
| Noninterest expense to average assets | 2.0383% | 4,960 |
| Loan and lease loss provision to assets | 0.1385% | 1,373 |
| Net operating income to assets | 1.2273% | 1,438 |
| Return on assets (ROA) | 1.2335% | 1,456 |
| Pretax return on assets | 1.2995% | 2,234 |
| Return on Equity (ROE) | 11.2085% | 1,495 |
| Retained earnings to average equity (ytd only) | 2.2177% | 4,258 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7452% | 4,622 |
| Assets per employee ($millions) | 5.4095% | 1,973 |
| Cash dividends to net income (ytd only)* | 80.2139% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0918% | 3,752 |
| Loan loss allowance to noncurrent loans | 1,168.2927% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 4,997 |
| Noncurrent loans to loans | 0.0934% | 4,815 |
| Net loans and leases to total assets | 72.9279% | 1,929 |
| Net loans and leases to deposits | 91.2522% | 1,404 |
| Net loans and leases to core deposits | 93.7581% | 2,002 |
| Total domestic deposits to total assets | 79.9190% | 4,632 |
| Equity capital to assets | 11.2816% | 2,363 |
| Core capital (leverage) ratio | 10.9730% | 2,381 |
| Tier 1 risk-based capital ratio | 14.7894% | 3,071 |
| Total risk-based capital ratio | 15.8853% | 3,069 |
| Memoranda: | ||
| Average total assets | $60,638,500 | 5,103 |
| Average earning assets | $57,222,000 | 5,067 |
| Average equity | $6,673,500 | 5,127 |
| Average total loans | $44,659,500 | 4,710 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7853% | 3,958 |
| Cost of funding earning assets | 0.4758% | 2,301 |
| Net interest margin | 3.3095% | 4,109 |
| Noninterest income to average assets | 0.2090% | 5,168 |
| Noninterest expense to average assets | 2.0055% | 5,176 |
| Loan and lease loss provision to assets | 0.1123% | 2,193 |
| Net operating income to assets | 1.1542% | 1,681 |
| Return on assets (ROA) | 1.1587% | 1,751 |
| Pretax return on assets | 1.2195% | 2,590 |
| Return on Equity (ROE) | 11.1278% | 1,535 |
| Retained earnings to average equity (ytd only) | 2.5910% | 4,045 |
| Net charge-offs to loans | 0.0830% | 2,503 |
| Credit loss provision to net charge-offs | 184.6154% | 1,522 |
| Earnings coverage of net charge-offs (x) | 21.8205% | 1,762 |
| Efficiency ratio | 60.1778% | 4,555 |
| Assets per employee ($millions) | 6.1773% | 1,347 |
| Cash dividends to net income (ytd only)* | 76.7160% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 4,270 |
| Loan loss allowance to noncurrent loans | 1,017.7778% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 5,040 |
| Noncurrent loans to loans | 0.0990% | 4,843 |
| Net loans and leases to total assets | 72.8263% | 2,037 |
| Net loans and leases to deposits | 88.9546% | 1,810 |
| Net loans and leases to core deposits | 91.2478% | 2,368 |
| Total domestic deposits to total assets | 81.8691% | 4,108 |
| Equity capital to assets | 10.7393% | 2,878 |
| Core capital (leverage) ratio | 10.8988% | 2,441 |
| Tier 1 risk-based capital ratio | 14.0962% | 3,414 |
| Total risk-based capital ratio | 15.1005% | 3,459 |
| Memoranda: | ||
| Average total assets | $64,125,200 | 5,047 |
| Average earning assets | $60,523,400 | 5,006 |
| Average equity | $6,677,000 | 5,155 |
| Average total loans | $47,014,600 | 4,667 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7692% | 4,024 |
| Cost of funding earning assets | 0.4755% | 2,314 |
| Net interest margin | 3.2937% | 4,204 |
| Noninterest income to average assets | 0.2060% | 5,236 |
| Noninterest expense to average assets | 1.9388% | 5,315 |
| Loan and lease loss provision to assets | 0.1071% | 2,139 |
| Net operating income to assets | 1.2138% | 1,592 |
| Return on assets (ROA) | 1.2197% | 1,662 |
| Pretax return on assets | 1.2774% | 2,514 |
| Return on Equity (ROE) | 11.8023% | 1,389 |
| Retained earnings to average equity (ytd only) | 3.4291% | 3,845 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4472% | 4,757 |
| Assets per employee ($millions) | 6.3219% | 1,217 |
| Cash dividends to net income (ytd only)* | 70.9468% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 4,419 |
| Loan loss allowance to noncurrent loans | 867.2727% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 5,094 |
| Noncurrent loans to loans | 0.1152% | 4,878 |
| Net loans and leases to total assets | 74.7608% | 1,747 |
| Net loans and leases to deposits | 99.5933% | 730 |
| Net loans and leases to core deposits | 101.2359% | 1,536 |
| Total domestic deposits to total assets | 75.0660% | 5,330 |
| Equity capital to assets | 10.6993% | 3,354 |
| Core capital (leverage) ratio | 10.5330% | 2,961 |
| Tier 1 risk-based capital ratio | 13.4115% | 3,913 |
| Total risk-based capital ratio | 14.4071% | 3,969 |
| Memoranda: | ||
| Average total assets | $64,713,250 | 5,081 |
| Average earning assets | $61,126,000 | 5,035 |
| Average equity | $6,687,750 | 5,205 |
| Average total loans | $47,407,000 | 4,687 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6918% | 4,322 |
| Cost of funding earning assets | 0.4639% | 2,437 |
| Net interest margin | 3.2279% | 4,456 |
| Noninterest income to average assets | 0.2024% | 5,284 |
| Noninterest expense to average assets | 1.9322% | 5,402 |
| Loan and lease loss provision to assets | 0.0951% | 2,255 |
| Net operating income to assets | 1.1690% | 1,704 |
| Return on assets (ROA) | 1.1777% | 1,772 |
| Pretax return on assets | 1.2360% | 2,649 |
| Return on Equity (ROE) | 11.5275% | 1,469 |
| Retained earnings to average equity (ytd only) | 3.4222% | 3,715 |
| Net charge-offs to loans | -0.0042% | 4,487 |
| Credit loss provision to net charge-offs | -3,100.0000% | 5,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3779% | 4,731 |
| Assets per employee ($millions) | 6.4485% | 1,107 |
| Cash dividends to net income (ytd only)* | 70.3125% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9459% | 4,777 |
| Loan loss allowance to noncurrent loans | 1,757.6923% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 5,415 |
| Noncurrent loans to loans | 0.0538% | 5,246 |
| Net loans and leases to total assets | 74.2126% | 1,798 |
| Net loans and leases to deposits | 103.4098% | 486 |
| Net loans and leases to core deposits | 104.9290% | 1,255 |
| Total domestic deposits to total assets | 71.7655% | 5,679 |
| Equity capital to assets | 10.4520% | 3,691 |
| Core capital (leverage) ratio | 10.1225% | 3,422 |
| Tier 1 risk-based capital ratio | 13.0283% | 4,188 |
| Total risk-based capital ratio | 13.9631% | 4,279 |
| Memoranda: | ||
| Average total assets | $65,211,330 | 5,119 |
| Average earning assets | $61,649,670 | 5,077 |
| Average equity | $6,662,330 | 5,257 |
| Average total loans | $47,296,000 | 4,729 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6009% | 4,608 |
| Cost of funding earning assets | 0.4501% | 2,584 |
| Net interest margin | 3.1508% | 4,725 |
| Noninterest income to average assets | 0.1952% | 5,339 |
| Noninterest expense to average assets | 1.9093% | 5,510 |
| Loan and lease loss provision to assets | 0.0671% | 2,619 |
| Net operating income to assets | 1.1536% | 1,699 |
| Return on assets (ROA) | 1.1712% | 1,746 |
| Pretax return on assets | 1.2261% | 2,599 |
| Return on Equity (ROE) | 11.5951% | 1,427 |
| Retained earnings to average equity (ytd only) | 3.4423% | 3,785 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9617% | 4,750 |
| Assets per employee ($millions) | 6.1333% | 1,313 |
| Cash dividends to net income (ytd only)* | 70.3125% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 4,846 |
| Loan loss allowance to noncurrent loans | 1,676.9231% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 5,456 |
| Noncurrent loans to loans | 0.0566% | 5,258 |
| Net loans and leases to total assets | 74.1232% | 1,706 |
| Net loans and leases to deposits | 97.4638% | 802 |
| Net loans and leases to core deposits | 99.9692% | 1,486 |
| Total domestic deposits to total assets | 76.0520% | 5,409 |
| Equity capital to assets | 10.8636% | 3,091 |
| Core capital (leverage) ratio | 10.4081% | 3,063 |
| Tier 1 risk-based capital ratio | 13.6955% | 3,873 |
| Total risk-based capital ratio | 14.6416% | 3,965 |
| Memoranda: | ||
| Average total assets | $65,574,500 | 5,164 |
| Average earning assets | $62,206,000 | 5,114 |
| Average equity | $6,623,500 | 5,297 |
| Average total loans | $46,787,500 | 4,772 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6637% | 4,476 |
| Cost of funding earning assets | 0.4431% | 2,704 |
| Net interest margin | 3.2206% | 4,553 |
| Noninterest income to average assets | 0.1837% | 5,495 |
| Noninterest expense to average assets | 1.9675% | 5,516 |
| Loan and lease loss provision to assets | 0.0735% | 2,801 |
| Net operating income to assets | 1.1491% | 1,733 |
| Return on assets (ROA) | 1.1658% | 1,754 |
| Pretax return on assets | 1.2249% | 2,572 |
| Return on Equity (ROE) | 11.1943% | 1,545 |
| Retained earnings to average equity (ytd only) | 3.4503% | 3,601 |
| Net charge-offs to loans | 0.1067% | 2,324 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 17.4348% | 2,074 |
| Efficiency ratio | 60.5703% | 4,822 |
| Assets per employee ($millions) | 6.9816% | 896 |
| Cash dividends to net income (ytd only)* | 69.1781% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8914% | 5,114 |
| Loan loss allowance to noncurrent loans | 1,517.8571% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 5,519 |
| Noncurrent loans to loans | 0.0587% | 5,283 |
| Net loans and leases to total assets | 67.6808% | 2,755 |
| Net loans and leases to deposits | 84.6264% | 2,291 |
| Net loans and leases to core deposits | 88.9533% | 2,505 |
| Total domestic deposits to total assets | 79.9759% | 4,751 |
| Equity capital to assets | 9.4305% | 4,636 |
| Core capital (leverage) ratio | 10.0305% | 3,467 |
| Tier 1 risk-based capital ratio | 12.9182% | 4,376 |
| Total risk-based capital ratio | 13.7960% | 4,501 |
| Memoranda: | ||
| Average total assets | $62,618,600 | 5,256 |
| Average earning assets | $59,585,200 | 5,198 |
| Average equity | $6,521,200 | 5,341 |
| Average total loans | $43,129,000 | 4,891 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7138% | 4,377 |
| Cost of funding earning assets | 0.4484% | 2,705 |
| Net interest margin | 3.2654% | 4,468 |
| Noninterest income to average assets | 0.1754% | 5,602 |
| Noninterest expense to average assets | 1.9818% | 5,515 |
| Loan and lease loss provision to assets | 0.0460% | 3,286 |
| Net operating income to assets | 1.2004% | 1,651 |
| Return on assets (ROA) | 1.2233% | 1,637 |
| Pretax return on assets | 1.2846% | 2,452 |
| Return on Equity (ROE) | 11.4362% | 1,559 |
| Retained earnings to average equity (ytd only) | 4.1605% | 3,505 |
| Net charge-offs to loans | 0.0159% | 3,637 |
| Credit loss provision to net charge-offs | 420.0000% | 732 |
| Earnings coverage of net charge-offs (x) | 119.1379% | 537 |
| Efficiency ratio | 60.2667% | 4,852 |
| Assets per employee ($millions) | 6.1155% | 1,287 |
| Cash dividends to net income (ytd only)* | 63.6200% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9910% | 4,799 |
| Loan loss allowance to noncurrent loans | 735.0000% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 5,356 |
| Noncurrent loans to loans | 0.1348% | 5,093 |
| Net loans and leases to total assets | 72.0481% | 2,054 |
| Net loans and leases to deposits | 90.1375% | 1,630 |
| Net loans and leases to core deposits | 97.0528% | 1,785 |
| Total domestic deposits to total assets | 79.9313% | 4,768 |
| Equity capital to assets | 10.7939% | 3,248 |
| Core capital (leverage) ratio | 10.6343% | 2,892 |
| Tier 1 risk-based capital ratio | 13.7938% | 3,970 |
| Total risk-based capital ratio | 14.7697% | 4,057 |
| Memoranda: | ||
| Average total assets | $60,819,250 | 5,371 |
| Average earning assets | $57,980,250 | 5,309 |
| Average equity | $6,505,500 | 5,414 |
| Average total loans | $41,992,000 | 4,992 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6454% | 4,590 |
| Cost of funding earning assets | 0.4384% | 2,860 |
| Net interest margin | 3.2070% | 4,638 |
| Noninterest income to average assets | 0.1548% | 5,781 |
| Noninterest expense to average assets | 1.9701% | 5,588 |
| Loan and lease loss provision to assets | 0.0362% | 3,401 |
| Net operating income to assets | 1.1511% | 1,776 |
| Return on assets (ROA) | 1.1761% | 1,747 |
| Pretax return on assets | 1.2354% | 2,624 |
| Return on Equity (ROE) | 11.0293% | 1,668 |
| Retained earnings to average equity (ytd only) | 4.2325% | 3,339 |
| Net charge-offs to loans | 0.0194% | 3,300 |
| Credit loss provision to net charge-offs | 275.0000% | 982 |
| Earnings coverage of net charge-offs (x) | 94.5000% | 622 |
| Efficiency ratio | 61.2705% | 4,788 |
| Assets per employee ($millions) | 5.8597% | 1,458 |
| Cash dividends to net income (ytd only)* | 61.6246% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 4,654 |
| Loan loss allowance to noncurrent loans | 1,661.5385% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 5,684 |
| Noncurrent loans to loans | 0.0626% | 5,482 |
| Net loans and leases to total assets | 70.1162% | 2,296 |
| Net loans and leases to deposits | 90.4102% | 1,545 |
| Net loans and leases to core deposits | 96.8073% | 1,729 |
| Total domestic deposits to total assets | 77.5535% | 5,367 |
| Equity capital to assets | 11.1064% | 2,773 |
| Core capital (leverage) ratio | 10.7781% | 2,645 |
| Tier 1 risk-based capital ratio | 14.6669% | 3,544 |
| Total risk-based capital ratio | 15.6943% | 3,592 |
| Memoranda: | ||
| Average total assets | $60,707,330 | 5,429 |
| Average earning assets | $57,936,000 | 5,368 |
| Average equity | $6,473,670 | 5,455 |
| Average total loans | $41,155,330 | 5,063 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5422% | 4,851 |
| Cost of funding earning assets | 0.4191% | 3,087 |
| Net interest margin | 3.1231% | 4,872 |
| Noninterest income to average assets | 0.1425% | 5,896 |
| Noninterest expense to average assets | 1.9170% | 5,730 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1593% | 1,669 |
| Return on assets (ROA) | 1.1593% | 1,776 |
| Pretax return on assets | 1.2176% | 2,598 |
| Return on Equity (ROE) | 11.0896% | 1,609 |
| Retained earnings to average equity (ytd only) | 5.5138% | 2,769 |
| Net charge-offs to loans | 0.0390% | 2,442 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 876 |
| Efficiency ratio | 61.1570% | 4,935 |
| Assets per employee ($millions) | 6.4131% | 1,131 |
| Cash dividends to net income (ytd only)* | 50.2793% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0659% | 4,683 |
| Loan loss allowance to noncurrent loans | 336.8000% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 5,081 |
| Noncurrent loans to loans | 0.3165% | 4,658 |
| Net loans and leases to total assets | 67.7033% | 2,497 |
| Net loans and leases to deposits | 83.1266% | 2,192 |
| Net loans and leases to core deposits | 90.1347% | 2,116 |
| Total domestic deposits to total assets | 81.4460% | 4,690 |
| Equity capital to assets | 11.3154% | 2,631 |
| Core capital (leverage) ratio | 10.7564% | 2,681 |
| Tier 1 risk-based capital ratio | 15.0823% | 3,393 |
| Total risk-based capital ratio | 16.1202% | 3,439 |
| Memoranda: | ||
| Average total assets | $61,762,500 | 5,458 |
| Average earning assets | $59,171,500 | 5,383 |
| Average equity | $6,456,500 | 5,505 |
| Average total loans | $40,974,000 | 5,106 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6676% | 4,884 |
| Cost of funding earning assets | 0.4686% | 2,992 |
| Net interest margin | 3.1990% | 4,922 |
| Noninterest income to average assets | 0.2034% | 5,644 |
| Noninterest expense to average assets | 2.1938% | 5,369 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9919% | 2,421 |
| Return on assets (ROA) | 0.9935% | 2,492 |
| Pretax return on assets | 1.0523% | 3,292 |
| Return on Equity (ROE) | 9.3977% | 2,395 |
| Retained earnings to average equity (ytd only) | 3.9912% | 3,372 |
| Net charge-offs to loans | 0.0357% | 4,120 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 44.6429% | 1,006 |
| Efficiency ratio | 67.6166% | 3,961 |
| Assets per employee ($millions) | 6.5807% | 1,014 |
| Cash dividends to net income (ytd only)* | 57.5296% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 5,050 |
| Loan loss allowance to noncurrent loans | 944.4444% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 5,753 |
| Noncurrent loans to loans | 0.1060% | 5,472 |
| Net loans and leases to total assets | 63.8610% | 3,247 |
| Net loans and leases to deposits | 74.2977% | 3,399 |
| Net loans and leases to core deposits | 79.4168% | 3,363 |
| Total domestic deposits to total assets | 85.9529% | 2,867 |
| Equity capital to assets | 9.6981% | 4,474 |
| Core capital (leverage) ratio | 10.2544% | 3,241 |
| Tier 1 risk-based capital ratio | 13.0439% | 4,702 |
| Total risk-based capital ratio | 13.9638% | 4,821 |
| Memoranda: | ||
| Average total assets | $59,486,800 | 5,561 |
| Average earning assets | $56,549,600 | 5,505 |
| Average equity | $6,288,800 | 5,563 |
| Average total loans | $39,179,000 | 5,216 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7460% | 4,724 |
| Cost of funding earning assets | 0.4870% | 2,890 |
| Net interest margin | 3.2590% | 4,765 |
| Noninterest income to average assets | 0.2141% | 5,650 |
| Noninterest expense to average assets | 2.2518% | 5,222 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0063% | 2,423 |
| Return on assets (ROA) | 1.0085% | 2,481 |
| Pretax return on assets | 1.0615% | 3,334 |
| Return on Equity (ROE) | 9.3207% | 2,533 |
| Retained earnings to average equity (ytd only) | 4.0006% | 3,804 |
| Net charge-offs to loans | -0.0139% | 5,513 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0111% | 3,853 |
| Assets per employee ($millions) | 5.9414% | 1,370 |
| Cash dividends to net income (ytd only)* | 57.0780% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 4,594 |
| Loan loss allowance to noncurrent loans | 1,640.7407% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 5,976 |
| Noncurrent loans to loans | 0.0691% | 5,743 |
| Net loans and leases to total assets | 65.0655% | 3,013 |
| Net loans and leases to deposits | 78.3899% | 2,905 |
| Net loans and leases to core deposits | 84.6427% | 2,818 |
| Total domestic deposits to total assets | 83.0023% | 4,152 |
| Equity capital to assets | 10.7062% | 3,292 |
| Core capital (leverage) ratio | 10.7641% | 2,737 |
| Tier 1 risk-based capital ratio | 14.1450% | 4,107 |
| Total risk-based capital ratio | 15.1964% | 4,200 |
| Memoranda: | ||
| Average total assets | $57,906,750 | 5,665 |
| Average earning assets | $55,025,500 | 5,612 |
| Average equity | $6,265,500 | 5,627 |
| Average total loans | $38,361,250 | 5,286 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7417% | 4,724 |
| Cost of funding earning assets | 0.4916% | 2,915 |
| Net interest margin | 3.2502% | 4,782 |
| Noninterest income to average assets | 0.2195% | 5,638 |
| Noninterest expense to average assets | 2.2890% | 5,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9616% | 2,499 |
| Return on assets (ROA) | 0.9616% | 2,590 |
| Pretax return on assets | 1.0173% | 3,412 |
| Return on Equity (ROE) | 8.8551% | 2,662 |
| Retained earnings to average equity (ytd only) | 3.7217% | 3,827 |
| Net charge-offs to loans | -0.0105% | 5,335 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2308% | 3,792 |
| Assets per employee ($millions) | 5.0588% | 2,138 |
| Cash dividends to net income (ytd only)* | 57.9710% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 4,554 |
| Loan loss allowance to noncurrent loans | 1,575.0000% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 6,040 |
| Noncurrent loans to loans | 0.0744% | 5,801 |
| Net loans and leases to total assets | 66.8392% | 2,612 |
| Net loans and leases to deposits | 81.1901% | 2,359 |
| Net loans and leases to core deposits | 87.6824% | 2,350 |
| Total domestic deposits to total assets | 82.3243% | 4,533 |
| Equity capital to assets | 11.3429% | 2,562 |
| Core capital (leverage) ratio | 10.7078% | 2,716 |
| Tier 1 risk-based capital ratio | 14.4335% | 3,971 |
| Total risk-based capital ratio | 15.5145% | 4,024 |
| Memoranda: | ||
| Average total assets | $57,404,330 | 5,728 |
| Average earning assets | $54,520,000 | 5,677 |
| Average equity | $6,233,670 | 5,668 |
| Average total loans | $38,114,670 | 5,336 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6851% | 4,898 |
| Cost of funding earning assets | 0.4860% | 3,053 |
| Net interest margin | 3.1991% | 4,922 |
| Noninterest income to average assets | 0.2402% | 5,437 |
| Noninterest expense to average assets | 2.2579% | 5,308 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9540% | 2,387 |
| Return on assets (ROA) | 0.9540% | 2,458 |
| Pretax return on assets | 1.0089% | 3,286 |
| Return on Equity (ROE) | 8.9757% | 2,477 |
| Retained earnings to average equity (ytd only) | 4.4556% | 3,448 |
| Net charge-offs to loans | -0.0104% | 5,062 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1176% | 3,980 |
| Assets per employee ($millions) | 5.1111% | 2,115 |
| Cash dividends to net income (ytd only)* | 50.3597% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 4,773 |
| Loan loss allowance to noncurrent loans | 5,500.0000% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 6,280 |
| Noncurrent loans to loans | 0.0213% | 6,101 |
| Net loans and leases to total assets | 66.0489% | 2,555 |
| Net loans and leases to deposits | 81.9826% | 2,041 |
| Net loans and leases to core deposits | 88.0495% | 2,088 |
| Total domestic deposits to total assets | 80.5645% | 5,366 |
| Equity capital to assets | 11.1024% | 2,626 |
| Core capital (leverage) ratio | 10.5083% | 2,918 |
| Tier 1 risk-based capital ratio | 14.2955% | 4,132 |
| Total risk-based capital ratio | 15.3718% | 4,198 |
| Memoranda: | ||
| Average total assets | $58,283,000 | 5,759 |
| Average earning assets | $55,140,500 | 5,697 |
| Average equity | $6,194,500 | 5,707 |
| Average total loans | $38,354,500 | 5,379 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7193% | 5,070 |
| Cost of funding earning assets | 0.5378% | 3,215 |
| Net interest margin | 3.1815% | 5,058 |
| Noninterest income to average assets | 0.2527% | 5,539 |
| Noninterest expense to average assets | 2.1254% | 5,779 |
| Loan and lease loss provision to assets | 0.0512% | 4,111 |
| Net operating income to assets | 1.0246% | 2,228 |
| Return on assets (ROA) | 1.0311% | 2,260 |
| Pretax return on assets | 1.0823% | 3,016 |
| Return on Equity (ROE) | 9.9838% | 2,122 |
| Retained earnings to average equity (ytd only) | 5.5208% | 2,265 |
| Net charge-offs to loans | 0.0133% | 5,187 |
| Credit loss provision to net charge-offs | 600.0000% | 389 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 351 |
| Efficiency ratio | 65.3543% | 4,680 |
| Assets per employee ($millions) | 5.4858% | 1,667 |
| Cash dividends to net income (ytd only)* | 44.7020% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 5,040 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 64.1257% | 3,024 |
| Net loans and leases to deposits | 73.0361% | 3,394 |
| Net loans and leases to core deposits | 76.9580% | 3,500 |
| Total domestic deposits to total assets | 87.7999% | 2,306 |
| Equity capital to assets | 10.1866% | 3,523 |
| Core capital (leverage) ratio | 10.2117% | 3,277 |
| Tier 1 risk-based capital ratio | 13.3895% | 4,724 |
| Total risk-based capital ratio | 14.4076% | 4,825 |
| Memoranda: | ||
| Average total assets | $58,577,600 | 5,791 |
| Average earning assets | $55,225,400 | 5,724 |
| Average equity | $6,049,800 | 5,815 |
| Average total loans | $37,584,200 | 5,440 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7306% | 5,086 |
| Cost of funding earning assets | 0.5559% | 3,205 |
| Net interest margin | 3.1746% | 5,073 |
| Noninterest income to average assets | 0.3417% | 4,958 |
| Noninterest expense to average assets | 2.1352% | 5,759 |
| Loan and lease loss provision to assets | 0.0688% | 3,682 |
| Net operating income to assets | 1.0734% | 2,105 |
| Return on assets (ROA) | 1.0756% | 2,177 |
| Pretax return on assets | 1.1261% | 2,995 |
| Return on Equity (ROE) | 10.3779% | 2,045 |
| Retained earnings to average equity (ytd only) | 6.0629% | 2,368 |
| Net charge-offs to loans | -0.0036% | 5,740 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1626% | 4,777 |
| Assets per employee ($millions) | 5.1341% | 2,014 |
| Cash dividends to net income (ytd only)* | 41.5771% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 4,907 |
| Loan loss allowance to noncurrent loans | 3,178.5714% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.2196% | 5,790 |
| Noncurrent loans to loans | 0.0375% | 6,232 |
| Net loans and leases to total assets | 65.3811% | 2,736 |
| Net loans and leases to deposits | 77.1565% | 2,804 |
| Net loans and leases to core deposits | 82.2984% | 2,848 |
| Total domestic deposits to total assets | 84.7384% | 3,866 |
| Equity capital to assets | 10.8172% | 2,938 |
| Core capital (leverage) ratio | 10.6116% | 2,877 |
| Tier 1 risk-based capital ratio | 13.8851% | 4,513 |
| Total risk-based capital ratio | 14.9655% | 4,577 |
| Memoranda: | ||
| Average total assets | $58,136,000 | 5,867 |
| Average earning assets | $54,682,250 | 5,809 |
| Average equity | $6,025,500 | 5,889 |
| Average total loans | $37,196,500 | 5,506 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6973% | 5,151 |
| Cost of funding earning assets | 0.5602% | 3,310 |
| Net interest margin | 3.1371% | 5,166 |
| Noninterest income to average assets | 0.4021% | 4,513 |
| Noninterest expense to average assets | 2.1298% | 5,799 |
| Loan and lease loss provision to assets | 0.1022% | 3,086 |
| Net operating income to assets | 1.0770% | 2,004 |
| Return on assets (ROA) | 1.0803% | 2,111 |
| Pretax return on assets | 1.1314% | 2,967 |
| Return on Equity (ROE) | 10.5708% | 1,983 |
| Retained earnings to average equity (ytd only) | 6.5692% | 2,108 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3874% | 4,949 |
| Assets per employee ($millions) | 5.0600% | 2,043 |
| Cash dividends to net income (ytd only)* | 37.8549% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 4,664 |
| Loan loss allowance to noncurrent loans | 2,611.7647% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 5,797 |
| Noncurrent loans to loans | 0.0485% | 6,242 |
| Net loans and leases to total assets | 62.2152% | 3,251 |
| Net loans and leases to deposits | 71.8593% | 3,471 |
| Net loans and leases to core deposits | 77.1213% | 3,411 |
| Total domestic deposits to total assets | 86.5792% | 3,075 |
| Equity capital to assets | 10.7097% | 3,044 |
| Core capital (leverage) ratio | 10.2501% | 3,161 |
| Tier 1 risk-based capital ratio | 14.4138% | 4,152 |
| Total risk-based capital ratio | 15.5479% | 4,179 |
| Memoranda: | ||
| Average total assets | $58,689,670 | 5,889 |
| Average earning assets | $55,338,330 | 5,812 |
| Average equity | $5,997,670 | 5,937 |
| Average total loans | $37,139,000 | 5,536 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6109% | 5,422 |
| Cost of funding earning assets | 0.5572% | 3,502 |
| Net interest margin | 3.0538% | 5,416 |
| Noninterest income to average assets | 0.1528% | 6,340 |
| Noninterest expense to average assets | 2.0198% | 6,064 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9700% | 2,351 |
| Return on assets (ROA) | 0.9700% | 2,484 |
| Pretax return on assets | 1.0099% | 3,303 |
| Return on Equity (ROE) | 9.7074% | 2,190 |
| Retained earnings to average equity (ytd only) | 5.7181% | 2,829 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 4,542 |
| Assets per employee ($millions) | 5.1182% | 2,072 |
| Cash dividends to net income (ytd only)* | 41.0959% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 5,445 |
| Loan loss allowance to noncurrent loans | 333.8710% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.4689% | 5,212 |
| Noncurrent loans to loans | 0.3414% | 5,548 |
| Net loans and leases to total assets | 63.7709% | 2,755 |
| Net loans and leases to deposits | 74.0222% | 2,920 |
| Net loans and leases to core deposits | 79.4051% | 2,880 |
| Total domestic deposits to total assets | 86.1510% | 3,449 |
| Equity capital to assets | 10.7567% | 3,249 |
| Core capital (leverage) ratio | 9.8837% | 3,550 |
| Tier 1 risk-based capital ratio | 13.7219% | 4,703 |
| Total risk-based capital ratio | 14.7489% | 4,831 |
| Memoranda: | ||
| Average total assets | $60,204,500 | 5,901 |
| Average earning assets | $56,717,000 | 5,832 |
| Average equity | $6,016,000 | 5,978 |
| Average total loans | $38,172,000 | 5,538 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0690% | 5,058 |
| Cost of funding earning assets | 0.6763% | 3,675 |
| Net interest margin | 3.3927% | 4,911 |
| Noninterest income to average assets | 0.1476% | 6,302 |
| Noninterest expense to average assets | 2.2515% | 5,811 |
| Loan and lease loss provision to assets | 0.0729% | 4,815 |
| Net operating income to assets | 0.9896% | 2,384 |
| Return on assets (ROA) | 0.9929% | 2,592 |
| Pretax return on assets | 1.0398% | 3,402 |
| Return on Equity (ROE) | 9.8117% | 2,249 |
| Retained earnings to average equity (ytd only) | 6.0379% | 2,057 |
| Net charge-offs to loans | -0.0504% | 6,708 |
| Credit loss provision to net charge-offs | -221.0526% | 6,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9938% | 4,330 |
| Assets per employee ($millions) | 5.8281% | 1,410 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 5,836 |
| Loan loss allowance to noncurrent loans | 347.8992% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.4040% | 5,471 |
| Noncurrent loans to loans | 0.2973% | 5,735 |
| Net loans and leases to total assets | 61.7901% | 3,286 |
| Net loans and leases to deposits | 70.2296% | 3,675 |
| Net loans and leases to core deposits | 75.4375% | 3,607 |
| Total domestic deposits to total assets | 87.9830% | 2,246 |
| Equity capital to assets | 9.3216% | 5,122 |
| Core capital (leverage) ratio | 9.2158% | 4,552 |
| Tier 1 risk-based capital ratio | 12.1184% | 5,705 |
| Total risk-based capital ratio | 13.0396% | 5,883 |
| Memoranda: | ||
| Average total assets | $57,606,600 | 5,982 |
| Average earning assets | $54,558,400 | 5,909 |
| Average equity | $5,829,800 | 6,065 |
| Average total loans | $37,673,400 | 5,603 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1257% | 5,091 |
| Cost of funding earning assets | 0.7022% | 3,752 |
| Net interest margin | 3.4235% | 4,953 |
| Noninterest income to average assets | 0.1501% | 6,399 |
| Noninterest expense to average assets | 2.2340% | 5,869 |
| Loan and lease loss provision to assets | 0.1000% | 4,320 |
| Net operating income to assets | 1.0480% | 2,290 |
| Return on assets (ROA) | 1.0503% | 2,501 |
| Pretax return on assets | 1.0813% | 3,420 |
| Return on Equity (ROE) | 10.1496% | 2,278 |
| Retained earnings to average equity (ytd only) | 6.4672% | 2,395 |
| Net charge-offs to loans | -0.0611% | 6,759 |
| Credit loss provision to net charge-offs | -247.0588% | 6,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4571% | 4,546 |
| Assets per employee ($millions) | 5.1365% | 2,004 |
| Cash dividends to net income (ytd only)* | 36.2812% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 5,605 |
| Loan loss allowance to noncurrent loans | 331.4516% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.4725% | 5,490 |
| Noncurrent loans to loans | 0.3402% | 5,795 |
| Net loans and leases to total assets | 63.7818% | 3,060 |
| Net loans and leases to deposits | 73.8317% | 3,307 |
| Net loans and leases to core deposits | 78.6409% | 3,369 |
| Total domestic deposits to total assets | 86.3881% | 3,044 |
| Equity capital to assets | 10.5094% | 3,833 |
| Core capital (leverage) ratio | 9.8694% | 3,732 |
| Tier 1 risk-based capital ratio | 13.2826% | 5,035 |
| Total risk-based capital ratio | 14.2984% | 5,165 |
| Memoranda: | ||
| Average total assets | $55,981,000 | 6,091 |
| Average earning assets | $53,355,250 | 6,014 |
| Average equity | $5,793,250 | 6,147 |
| Average total loans | $37,085,000 | 5,700 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1708% | 5,051 |
| Cost of funding earning assets | 0.7278% | 3,787 |
| Net interest margin | 3.4430% | 4,911 |
| Noninterest income to average assets | 0.1505% | 6,444 |
| Noninterest expense to average assets | 2.1933% | 6,026 |
| Loan and lease loss provision to assets | 0.1505% | 3,644 |
| Net operating income to assets | 1.0465% | 2,261 |
| Return on assets (ROA) | 1.0465% | 2,490 |
| Pretax return on assets | 1.0787% | 3,381 |
| Return on Equity (ROE) | 10.1654% | 2,289 |
| Retained earnings to average equity (ytd only) | 6.6841% | 2,283 |
| Net charge-offs to loans | -0.0107% | 6,293 |
| Credit loss provision to net charge-offs | -2,100.0000% | 6,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0838% | 4,889 |
| Assets per employee ($millions) | 4.8085% | 2,427 |
| Cash dividends to net income (ytd only)* | 34.2466% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 5,779 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 6,077 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 67.4046% | 2,391 |
| Net loans and leases to deposits | 78.6799% | 2,567 |
| Net loans and leases to core deposits | 85.0521% | 2,555 |
| Total domestic deposits to total assets | 85.6695% | 3,524 |
| Equity capital to assets | 11.0409% | 3,072 |
| Core capital (leverage) ratio | 9.7762% | 3,747 |
| Tier 1 risk-based capital ratio | 13.5336% | 4,796 |
| Total risk-based capital ratio | 14.5476% | 4,935 |
| Memoranda: | ||
| Average total assets | $55,807,330 | 6,140 |
| Average earning assets | $53,035,330 | 6,062 |
| Average equity | $5,745,000 | 6,185 |
| Average total loans | $37,297,000 | 5,719 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1374% | 5,333 |
| Cost of funding earning assets | 0.7475% | 3,880 |
| Net interest margin | 3.3898% | 5,156 |
| Noninterest income to average assets | 0.1607% | 6,423 |
| Noninterest expense to average assets | 2.1165% | 6,241 |
| Loan and lease loss provision to assets | 0.1537% | 3,455 |
| Net operating income to assets | 1.0617% | 2,247 |
| Return on assets (ROA) | 1.0617% | 2,441 |
| Pretax return on assets | 1.0897% | 3,366 |
| Return on Equity (ROE) | 10.6713% | 2,160 |
| Retained earnings to average equity (ytd only) | 7.1610% | 2,341 |
| Net charge-offs to loans | -0.0105% | 5,964 |
| Credit loss provision to net charge-offs | -2,200.0000% | 6,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9938% | 5,106 |
| Assets per employee ($millions) | 4.9274% | 2,347 |
| Cash dividends to net income (ytd only)* | 32.8947% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 6,263 |
| Loan loss allowance to noncurrent loans | 3,750.0000% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.2952% | 6,158 |
| Noncurrent loans to loans | 0.0266% | 6,705 |
| Net loans and leases to total assets | 68.7349% | 1,982 |
| Net loans and leases to deposits | 80.6962% | 2,098 |
| Net loans and leases to core deposits | 87.6795% | 2,089 |
| Total domestic deposits to total assets | 85.1774% | 3,949 |
| Equity capital to assets | 10.5681% | 3,414 |
| Core capital (leverage) ratio | 9.3523% | 4,277 |
| Tier 1 risk-based capital ratio | 12.7701% | 5,389 |
| Total risk-based capital ratio | 13.6919% | 5,618 |
| Memoranda: | ||
| Average total assets | $57,264,000 | 6,143 |
| Average earning assets | $54,044,000 | 6,065 |
| Average equity | $5,697,500 | 6,226 |
| Average total loans | $37,921,000 | 5,736 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2338% | 5,963 |
| Cost of funding earning assets | 0.9645% | 3,612 |
| Net interest margin | 3.2692% | 5,904 |
| Noninterest income to average assets | 0.1870% | 6,161 |
| Noninterest expense to average assets | 2.2334% | 6,203 |
| Loan and lease loss provision to assets | 0.2422% | 3,784 |
| Net operating income to assets | 0.7587% | 3,222 |
| Return on assets (ROA) | 0.7587% | 3,385 |
| Pretax return on assets | 0.7961% | 3,994 |
| Return on Equity (ROE) | 7.9745% | 2,915 |
| Retained earnings to average equity (ytd only) | 4.9794% | 2,652 |
| Net charge-offs to loans | 0.5127% | 2,937 |
| Credit loss provision to net charge-offs | 72.3404% | 4,762 |
| Earnings coverage of net charge-offs (x) | 3.1011% | 3,654 |
| Efficiency ratio | 68.2635% | 4,305 |
| Assets per employee ($millions) | 5.4843% | 1,649 |
| Cash dividends to net income (ytd only)* | 37.5587% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9238% | 6,478 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 6,346 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 62.7563% | 3,456 |
| Net loans and leases to deposits | 71.8346% | 3,820 |
| Net loans and leases to core deposits | 76.6578% | 3,882 |
| Total domestic deposits to total assets | 87.3622% | 2,550 |
| Equity capital to assets | 9.3938% | 5,029 |
| Core capital (leverage) ratio | 9.0969% | 4,624 |
| Tier 1 risk-based capital ratio | 11.6215% | 6,071 |
| Total risk-based capital ratio | 12.4270% | 6,344 |
| Memoranda: | ||
| Average total assets | $56,148,200 | 6,158 |
| Average earning assets | $52,979,000 | 6,078 |
| Average equity | $5,342,000 | 6,340 |
| Average total loans | $36,670,600 | 5,841 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3123% | 5,909 |
| Cost of funding earning assets | 1.0205% | 3,527 |
| Net interest margin | 3.2918% | 5,881 |
| Noninterest income to average assets | 0.1839% | 6,279 |
| Noninterest expense to average assets | 2.2624% | 6,140 |
| Loan and lease loss provision to assets | 0.2129% | 3,894 |
| Net operating income to assets | 0.7961% | 3,182 |
| Return on assets (ROA) | 0.7961% | 3,347 |
| Pretax return on assets | 0.8227% | 4,046 |
| Return on Equity (ROE) | 8.3384% | 2,899 |
| Retained earnings to average equity (ytd only) | 5.5503% | 2,822 |
| Net charge-offs to loans | 0.5218% | 2,666 |
| Credit loss provision to net charge-offs | 61.9718% | 4,745 |
| Earnings coverage of net charge-offs (x) | 3.0140% | 3,627 |
| Efficiency ratio | 68.5987% | 4,199 |
| Assets per employee ($millions) | 4.9447% | 2,265 |
| Cash dividends to net income (ytd only)* | 33.4336% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 6,291 |
| Loan loss allowance to noncurrent loans | 1,032.3529% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.6490% | 5,517 |
| Noncurrent loans to loans | 0.0965% | 6,689 |
| Net loans and leases to total assets | 64.1510% | 3,279 |
| Net loans and leases to deposits | 74.6055% | 3,574 |
| Net loans and leases to core deposits | 82.0182% | 3,327 |
| Total domestic deposits to total assets | 85.9869% | 3,222 |
| Equity capital to assets | 10.1099% | 4,194 |
| Core capital (leverage) ratio | 9.4698% | 4,201 |
| Tier 1 risk-based capital ratio | 12.9235% | 5,154 |
| Total risk-based capital ratio | 13.8222% | 5,416 |
| Memoranda: | ||
| Average total assets | $55,103,500 | 6,241 |
| Average earning assets | $52,128,500 | 6,168 |
| Average equity | $5,260,750 | 6,415 |
| Average total loans | $36,285,250 | 5,903 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2671% | 6,118 |
| Cost of funding earning assets | 1.0506% | 3,595 |
| Net interest margin | 3.2165% | 6,111 |
| Noninterest income to average assets | 0.1699% | 6,449 |
| Noninterest expense to average assets | 2.2407% | 6,274 |
| Loan and lease loss provision to assets | 0.2096% | 3,821 |
| Net operating income to assets | 0.7445% | 3,317 |
| Return on assets (ROA) | 0.7445% | 3,438 |
| Pretax return on assets | 0.7734% | 4,125 |
| Return on Equity (ROE) | 7.9516% | 2,963 |
| Retained earnings to average equity (ytd only) | 5.2496% | 2,843 |
| Net charge-offs to loans | 0.6224% | 2,279 |
| Credit loss provision to net charge-offs | 50.8772% | 4,562 |
| Earnings coverage of net charge-offs (x) | 2.3860% | 3,626 |
| Efficiency ratio | 69.5067% | 4,205 |
| Assets per employee ($millions) | 4.7855% | 2,423 |
| Cash dividends to net income (ytd only)* | 33.9806% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9772% | 6,427 |
| Loan loss allowance to noncurrent loans | 58.6555% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 1.1303% | 4,630 |
| Noncurrent loans to loans | 1.6661% | 3,925 |
| Net loans and leases to total assets | 67.1796% | 2,795 |
| Net loans and leases to deposits | 79.4518% | 2,900 |
| Net loans and leases to core deposits | 79.4518% | 3,867 |
| Total domestic deposits to total assets | 84.5539% | 4,094 |
| Equity capital to assets | 10.1309% | 3,976 |
| Core capital (leverage) ratio | 9.3301% | 4,207 |
| Tier 1 risk-based capital ratio | 12.8372% | 5,057 |
| Total risk-based capital ratio | 13.7397% | 5,333 |
| Memoranda: | ||
| Average total assets | $55,340,670 | 6,283 |
| Average earning assets | $52,541,330 | 6,207 |
| Average equity | $5,181,330 | 6,473 |
| Average total loans | $36,632,330 | 5,950 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2035% | 6,274 |
| Cost of funding earning assets | 1.0751% | 3,691 |
| Net interest margin | 3.1284% | 6,272 |
| Noninterest income to average assets | 0.1411% | 6,709 |
| Noninterest expense to average assets | 2.1873% | 6,449 |
| Loan and lease loss provision to assets | 0.1976% | 3,653 |
| Net operating income to assets | 0.6844% | 3,587 |
| Return on assets (ROA) | 0.6844% | 3,651 |
| Pretax return on assets | 0.7126% | 4,255 |
| Return on Equity (ROE) | 7.5996% | 3,101 |
| Retained earnings to average equity (ytd only) | 5.2492% | 3,035 |
| Net charge-offs to loans | 0.6902% | 1,834 |
| Credit loss provision to net charge-offs | 43.7500% | 3,875 |
| Earnings coverage of net charge-offs (x) | 2.0156% | 3,298 |
| Efficiency ratio | 70.6150% | 4,133 |
| Assets per employee ($millions) | 4.8897% | 2,309 |
| Cash dividends to net income (ytd only)* | 30.9278% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 6,346 |
| Loan loss allowance to noncurrent loans | 99.4609% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.6898% | 5,566 |
| Noncurrent loans to loans | 1.0180% | 5,020 |
| Net loans and leases to total assets | 67.0701% | 2,741 |
| Net loans and leases to deposits | 77.9646% | 3,065 |
| Net loans and leases to core deposits | 85.4170% | 2,972 |
| Total domestic deposits to total assets | 86.0264% | 3,517 |
| Equity capital to assets | 9.5302% | 4,390 |
| Core capital (leverage) ratio | 8.8816% | 4,804 |
| Tier 1 risk-based capital ratio | 12.3440% | 5,403 |
| Total risk-based capital ratio | 13.2745% | 5,662 |
| Memoranda: | ||
| Average total assets | $56,690,500 | 6,290 |
| Average earning assets | $53,574,000 | 6,215 |
| Average equity | $5,105,500 | 6,515 |
| Average total loans | $37,092,000 | 5,986 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6274% | 6,031 |
| Cost of funding earning assets | 1.3915% | 3,329 |
| Net interest margin | 3.2359% | 6,176 |
| Noninterest income to average assets | 0.1877% | 6,415 |
| Noninterest expense to average assets | 2.2024% | 6,605 |
| Loan and lease loss provision to assets | 0.3520% | 4,016 |
| Net operating income to assets | 0.6354% | 3,509 |
| Return on assets (ROA) | 0.6354% | 3,660 |
| Pretax return on assets | 0.6643% | 4,116 |
| Return on Equity (ROE) | 6.9087% | 3,162 |
| Retained earnings to average equity (ytd only) | 4.3572% | 2,791 |
| Net charge-offs to loans | 0.5602% | 3,377 |
| Credit loss provision to net charge-offs | 93.3014% | 4,975 |
| Earnings coverage of net charge-offs (x) | 2.6938% | 3,740 |
| Efficiency ratio | 68.4240% | 4,470 |
| Assets per employee ($millions) | 5.4176% | 1,658 |
| Cash dividends to net income (ytd only)* | 36.9318% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0731% | 6,059 |
| Loan loss allowance to noncurrent loans | 80.5169% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.8440% | 5,317 |
| Noncurrent loans to loans | 1.3328% | 4,492 |
| Net loans and leases to total assets | 62.6489% | 4,137 |
| Net loans and leases to deposits | 71.4491% | 4,617 |
| Net loans and leases to core deposits | 77.3318% | 4,544 |
| Total domestic deposits to total assets | 87.6833% | 2,433 |
| Equity capital to assets | 8.5327% | 5,809 |
| Core capital (leverage) ratio | 8.7465% | 4,949 |
| Tier 1 risk-based capital ratio | 11.2499% | 6,132 |
| Total risk-based capital ratio | 12.1938% | 6,341 |
| Memoranda: | ||
| Average total assets | $55,394,400 | 6,356 |
| Average earning assets | $51,886,800 | 6,293 |
| Average equity | $5,095,000 | 6,639 |
| Average total loans | $37,309,200 | 6,052 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7598% | 5,821 |
| Cost of funding earning assets | 1.4811% | 3,080 |
| Net interest margin | 3.2788% | 6,085 |
| Noninterest income to average assets | 0.1914% | 6,512 |
| Noninterest expense to average assets | 2.2449% | 6,475 |
| Loan and lease loss provision to assets | 0.1717% | 5,326 |
| Net operating income to assets | 0.8145% | 2,941 |
| Return on assets (ROA) | 0.8145% | 3,083 |
| Pretax return on assets | 0.8489% | 3,738 |
| Return on Equity (ROE) | 8.6839% | 2,612 |
| Retained earnings to average equity (ytd only) | 6.1989% | 2,262 |
| Net charge-offs to loans | 0.1541% | 5,078 |
| Credit loss provision to net charge-offs | 162.7907% | 2,312 |
| Earnings coverage of net charge-offs (x) | 9.6747% | 1,990 |
| Efficiency ratio | 68.7453% | 4,323 |
| Assets per employee ($millions) | 4.8109% | 2,440 |
| Cash dividends to net income (ytd only)* | 28.6134% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 5,354 |
| Loan loss allowance to noncurrent loans | 68.5100% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.2302% | 4,694 |
| Noncurrent loans to loans | 1.7923% | 3,957 |
| Net loans and leases to total assets | 67.7948% | 3,267 |
| Net loans and leases to deposits | 79.1550% | 3,607 |
| Net loans and leases to core deposits | 88.6771% | 3,289 |
| Total domestic deposits to total assets | 85.6481% | 3,267 |
| Equity capital to assets | 9.9981% | 4,161 |
| Core capital (leverage) ratio | 9.0312% | 4,644 |
| Tier 1 risk-based capital ratio | 11.9511% | 5,507 |
| Total risk-based capital ratio | 13.0520% | 5,616 |
| Memoranda: | ||
| Average total assets | $54,344,500 | 6,464 |
| Average earning assets | $50,952,750 | 6,402 |
| Average equity | $5,097,500 | 6,720 |
| Average total loans | $37,201,500 | 6,134 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6536% | 6,300 |
| Cost of funding earning assets | 1.4943% | 3,285 |
| Net interest margin | 3.1593% | 6,435 |
| Noninterest income to average assets | 0.1715% | 6,678 |
| Noninterest expense to average assets | 2.2291% | 6,574 |
| Loan and lease loss provision to assets | 0.0985% | 5,923 |
| Net operating income to assets | 0.7807% | 3,063 |
| Return on assets (ROA) | 0.7807% | 3,207 |
| Pretax return on assets | 0.8136% | 3,832 |
| Return on Equity (ROE) | 8.5039% | 2,668 |
| Retained earnings to average equity (ytd only) | 6.1196% | 2,267 |
| Net charge-offs to loans | 0.2080% | 4,367 |
| Credit loss provision to net charge-offs | 69.2308% | 4,990 |
| Earnings coverage of net charge-offs (x) | 6.4103% | 2,461 |
| Efficiency ratio | 70.9640% | 3,991 |
| Assets per employee ($millions) | 4.9639% | 2,227 |
| Cash dividends to net income (ytd only)* | 28.0374% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0449% | 6,205 |
| Loan loss allowance to noncurrent loans | 58.3931% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 1.2765% | 4,595 |
| Noncurrent loans to loans | 1.7894% | 4,014 |
| Net loans and leases to total assets | 70.5895% | 2,772 |
| Net loans and leases to deposits | 83.2250% | 3,026 |
| Net loans and leases to core deposits | 94.2396% | 2,676 |
| Total domestic deposits to total assets | 84.8177% | 3,718 |
| Equity capital to assets | 9.2742% | 5,041 |
| Core capital (leverage) ratio | 8.7571% | 4,995 |
| Tier 1 risk-based capital ratio | 11.0932% | 6,141 |
| Total risk-based capital ratio | 12.0418% | 6,438 |
| Memoranda: | ||
| Average total assets | $54,819,330 | 6,497 |
| Average earning assets | $51,530,330 | 6,424 |
| Average equity | $5,033,000 | 6,770 |
| Average total loans | $37,494,330 | 6,166 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4916% | 6,805 |
| Cost of funding earning assets | 1.4712% | 3,731 |
| Net interest margin | 3.0203% | 6,781 |
| Noninterest income to average assets | 0.1602% | 6,824 |
| Noninterest expense to average assets | 2.2430% | 6,571 |
| Loan and lease loss provision to assets | 0.0364% | 6,313 |
| Net operating income to assets | 0.6773% | 3,539 |
| Return on assets (ROA) | 0.6773% | 3,656 |
| Pretax return on assets | 0.7064% | 4,208 |
| Return on Equity (ROE) | 7.4141% | 3,158 |
| Retained earnings to average equity (ytd only) | 5.0224% | 3,146 |
| Net charge-offs to loans | -0.0544% | 7,368 |
| Credit loss provision to net charge-offs | -100.0000% | 6,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1220% | 3,376 |
| Assets per employee ($millions) | 4.9556% | 2,293 |
| Cash dividends to net income (ytd only)* | 32.2581% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 5,683 |
| Loan loss allowance to noncurrent loans | 60.9375% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 1.2915% | 4,598 |
| Noncurrent loans to loans | 1.9120% | 3,907 |
| Net loans and leases to total assets | 66.7578% | 3,688 |
| Net loans and leases to deposits | 78.7360% | 3,896 |
| Net loans and leases to core deposits | 88.5253% | 3,564 |
| Total domestic deposits to total assets | 84.7868% | 3,764 |
| Equity capital to assets | 9.3044% | 4,825 |
| Core capital (leverage) ratio | 9.0771% | 4,422 |
| Tier 1 risk-based capital ratio | 11.3325% | 5,826 |
| Total risk-based capital ratio | 12.3738% | 6,004 |
| Memoranda: | ||
| Average total assets | $54,927,500 | 6,573 |
| Average earning assets | $51,385,000 | 6,498 |
| Average equity | $5,017,500 | 6,837 |
| Average total loans | $36,766,000 | 6,273 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0924% | 6,118 |
| Cost of funding earning assets | 1.7967% | 4,009 |
| Net interest margin | 3.2957% | 5,767 |
| Noninterest income to average assets | 0.1871% | 6,750 |
| Noninterest expense to average assets | 2.3544% | 6,594 |
| Loan and lease loss provision to assets | 0.1403% | 6,238 |
| Net operating income to assets | 0.7036% | 2,915 |
| Return on assets (ROA) | 0.7036% | 2,987 |
| Pretax return on assets | 0.7348% | 3,460 |
| Return on Equity (ROE) | 7.3985% | 2,620 |
| Retained earnings to average equity (ytd only) | 3.2996% | 2,860 |
| Net charge-offs to loans | 0.0974% | 6,156 |
| Credit loss provision to net charge-offs | 205.7143% | 1,873 |
| Earnings coverage of net charge-offs (x) | 12.8286% | 1,470 |
| Efficiency ratio | 72.9028% | 4,116 |
| Assets per employee ($millions) | 5.0312% | 2,175 |
| Cash dividends to net income (ytd only)* | 55.4017% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 5,682 |
| Loan loss allowance to noncurrent loans | 52.1793% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 1.4510% | 4,241 |
| Noncurrent loans to loans | 2.1873% | 3,403 |
| Net loans and leases to total assets | 65.5783% | 4,260 |
| Net loans and leases to deposits | 76.9719% | 4,571 |
| Net loans and leases to core deposits | 89.2839% | 5,197 |
| Total domestic deposits to total assets | 85.1978% | 3,458 |
| Equity capital to assets | 8.9677% | 5,195 |
| Core capital (leverage) ratio | 9.1594% | 4,184 |
| Tier 1 risk-based capital ratio | 11.2150% | 5,701 |
| Total risk-based capital ratio | 12.2355% | 5,901 |
| Memoranda: | ||
| Average total assets | $51,308,600 | 6,656 |
| Average earning assets | $47,364,400 | 6,621 |
| Average equity | $4,879,400 | 6,988 |
| Average total loans | $35,923,600 | 6,313 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2561% | 5,653 |
| Cost of funding earning assets | 1.8653% | 4,073 |
| Net interest margin | 3.3909% | 5,307 |
| Noninterest income to average assets | 0.1882% | 6,871 |
| Noninterest expense to average assets | 2.4333% | 6,298 |
| Loan and lease loss provision to assets | 0.1246% | 6,108 |
| Net operating income to assets | 0.7263% | 3,113 |
| Return on assets (ROA) | 0.7263% | 3,179 |
| Pretax return on assets | 0.7528% | 3,693 |
| Return on Equity (ROE) | 7.5192% | 2,857 |
| Retained earnings to average equity (ytd only) | 3.4029% | 3,397 |
| Net charge-offs to loans | 0.1008% | 5,663 |
| Credit loss provision to net charge-offs | 174.0741% | 2,662 |
| Earnings coverage of net charge-offs (x) | 12.2589% | 1,778 |
| Efficiency ratio | 73.4988% | 3,955 |
| Assets per employee ($millions) | 4.4194% | 2,991 |
| Cash dividends to net income (ytd only)* | 54.7465% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 5,514 |
| Loan loss allowance to noncurrent loans | 48.1437% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 1.7176% | 3,796 |
| Noncurrent loans to loans | 2.3558% | 3,201 |
| Net loans and leases to total assets | 72.0857% | 3,019 |
| Net loans and leases to deposits | 86.8304% | 3,162 |
| Net loans and leases to core deposits | 102.2884% | 4,130 |
| Total domestic deposits to total assets | 83.0189% | 4,209 |
| Equity capital to assets | 10.2339% | 3,805 |
| Core capital (leverage) ratio | 9.4043% | 4,040 |
| Tier 1 risk-based capital ratio | 11.9009% | 5,062 |
| Total risk-based capital ratio | 12.9480% | 5,193 |
| Memoranda: | ||
| Average total assets | $50,300,000 | 6,743 |
| Average earning assets | $46,319,500 | 6,722 |
| Average equity | $4,858,500 | 7,058 |
| Average total loans | $35,726,500 | 6,365 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2916% | 5,689 |
| Cost of funding earning assets | 1.8828% | 4,358 |
| Net interest margin | 3.4088% | 5,129 |
| Noninterest income to average assets | 0.1887% | 6,946 |
| Noninterest expense to average assets | 2.4458% | 6,315 |
| Loan and lease loss provision to assets | 0.0590% | 6,632 |
| Net operating income to assets | 0.7746% | 2,957 |
| Return on assets (ROA) | 0.7746% | 3,059 |
| Pretax return on assets | 0.8022% | 3,661 |
| Return on Equity (ROE) | 8.1748% | 2,704 |
| Retained earnings to average equity (ytd only) | 4.0252% | 3,043 |
| Net charge-offs to loans | 0.0782% | 5,419 |
| Credit loss provision to net charge-offs | 107.1429% | 4,303 |
| Earnings coverage of net charge-offs (x) | 15.6429% | 1,582 |
| Efficiency ratio | 73.9596% | 4,034 |
| Assets per employee ($millions) | 4.3968% | 2,940 |
| Cash dividends to net income (ytd only)* | 50.7614% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 5,834 |
| Loan loss allowance to noncurrent loans | 47.5186% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 1.7389% | 3,574 |
| Noncurrent loans to loans | 2.2310% | 3,214 |
| Net loans and leases to total assets | 73.9047% | 2,729 |
| Net loans and leases to deposits | 88.8557% | 3,023 |
| Net loans and leases to core deposits | 104.0643% | 4,053 |
| Total domestic deposits to total assets | 83.1738% | 4,158 |
| Equity capital to assets | 10.0320% | 3,896 |
| Core capital (leverage) ratio | 9.2434% | 4,245 |
| Tier 1 risk-based capital ratio | 11.7337% | 5,162 |
| Total risk-based capital ratio | 12.7231% | 5,330 |
| Memoranda: | ||
| Average total assets | $50,862,330 | 6,789 |
| Average earning assets | $46,527,000 | 6,772 |
| Average equity | $4,819,670 | 7,135 |
| Average total loans | $35,820,330 | 6,416 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2577% | 6,079 |
| Cost of funding earning assets | 1.9003% | 4,626 |
| Net interest margin | 3.3574% | 5,295 |
| Noninterest income to average assets | 0.1919% | 6,925 |
| Noninterest expense to average assets | 2.4102% | 6,157 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7753% | 3,235 |
| Return on assets (ROA) | 0.7753% | 3,406 |
| Pretax return on assets | 0.8060% | 4,058 |
| Return on Equity (ROE) | 8.4105% | 2,962 |
| Retained earnings to average equity (ytd only) | 4.2469% | 3,546 |
| Net charge-offs to loans | 0.0112% | 5,465 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 415 |
| Efficiency ratio | 74.9403% | 3,674 |
| Assets per employee ($millions) | 4.5243% | 2,681 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0774% | 5,625 |
| Loan loss allowance to noncurrent loans | 43.6426% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 1.7542% | 3,292 |
| Noncurrent loans to loans | 2.4688% | 2,667 |
| Net loans and leases to total assets | 70.2895% | 3,607 |
| Net loans and leases to deposits | 87.3608% | 3,405 |
| Net loans and leases to core deposits | 100.7343% | 4,469 |
| Total domestic deposits to total assets | 80.4589% | 5,189 |
| Equity capital to assets | 9.7253% | 4,346 |
| Core capital (leverage) ratio | 9.0759% | 4,591 |
| Tier 1 risk-based capital ratio | 11.2883% | 5,612 |
| Total risk-based capital ratio | 12.2451% | 5,809 |
| Memoranda: | ||
| Average total assets | $52,111,000 | 6,776 |
| Average earning assets | $46,940,500 | 6,798 |
| Average equity | $4,803,500 | 7,184 |
| Average total loans | $35,667,000 | 6,456 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0921% | 5,091 |
| Cost of funding earning assets | 2.7514% | 2,919 |
| Net interest margin | 3.3407% | 5,898 |
| Noninterest income to average assets | 0.2068% | 6,961 |
| Noninterest expense to average assets | 2.3076% | 6,676 |
| Loan and lease loss provision to assets | 0.0195% | 7,142 |
| Net operating income to assets | 0.8856% | 3,062 |
| Return on assets (ROA) | 0.8856% | 2,903 |
| Pretax return on assets | 0.9207% | 3,657 |
| Return on Equity (ROE) | 9.8239% | 2,323 |
| Retained earnings to average equity (ytd only) | 5.9289% | 1,561 |
| Net charge-offs to loans | 0.0245% | 6,500 |
| Credit loss provision to net charge-offs | 111.1111% | 4,847 |
| Earnings coverage of net charge-offs (x) | 53.5556% | 730 |
| Efficiency ratio | 71.0511% | 4,123 |
| Assets per employee ($millions) | 4.9505% | 1,994 |
| Cash dividends to net income (ytd only)* | 39.6476% | 3,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 5,534 |
| Loan loss allowance to noncurrent loans | 46.6993% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 1.5022% | 3,214 |
| Noncurrent loans to loans | 2.2740% | 2,424 |
| Net loans and leases to total assets | 65.3567% | 4,977 |
| Net loans and leases to deposits | 76.7754% | 5,499 |
| Net loans and leases to core deposits | 87.2069% | 6,040 |
| Total domestic deposits to total assets | 85.1272% | 2,785 |
| Equity capital to assets | 8.7540% | 5,724 |
| Core capital (leverage) ratio | 8.7307% | 5,146 |
| Tier 1 risk-based capital ratio | 10.6311% | 6,066 |
| Total risk-based capital ratio | 11.5449% | 6,301 |
| Memoranda: | ||
| Average total assets | $51,266,200 | 6,721 |
| Average earning assets | $46,666,800 | 6,732 |
| Average equity | $4,621,400 | 7,295 |
| Average total loans | $36,764,800 | 6,331 |