Home > Security Bank of Pulaski County > Performance and Condition Ratios
Security Bank of Pulaski County, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2398% | 1,593 |
| Cost of funding earning assets | 1.6543% | 1,554 |
| Net interest margin | 3.5855% | 1,995 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 3.1495% | 881 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.5032% | 3,666 |
| Return on assets (ROA) | 0.5032% | 3,662 |
| Pretax return on assets | 0.5712% | 3,687 |
| Return on Equity (ROE) | 7.4200% | 3,181 |
| Retained earnings to average equity (ytd only) | 4.9695% | 2,612 |
| Net charge-offs to loans | 0.0421% | 1,479 |
| Credit loss provision to net charge-offs | 373.5294% | 821 |
| Earnings coverage of net charge-offs (x) | 26.4706% | 1,707 |
| Efficiency ratio | 82.5649% | 746 |
| Assets per employee ($millions) | 4.9997% | 3,634 |
| Cash dividends to net income (ytd only)* | 33.0396% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 2,139 |
| Loan loss allowance to noncurrent loans | 277.6000% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 1.6539% | 211 |
| Noncurrent loans to loans | 0.4416% | 1,675 |
| Net loans and leases to total assets | 57.8500% | 3,052 |
| Net loans and leases to deposits | 63.5125% | 3,314 |
| Net loans and leases to core deposits | 72.3107% | 3,174 |
| Total domestic deposits to total assets | 91.0900% | 483 |
| Equity capital to assets | 6.8784% | 3,980 |
| Core capital (leverage) ratio | 8.6070% | 4,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5496% | 2,047 |
| Memoranda: | ||
| Average total assets | $135,321,000 | 3,502 |
| Average earning assets | $124,584,600 | 3,496 |
| Average equity | $9,176,000 | 3,804 |
| Average total loans | $80,735,800 | 3,395 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1094% | 1,619 |
| Cost of funding earning assets | 1.4435% | 1,757 |
| Net interest margin | 3.6659% | 1,851 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 3.1882% | 835 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.5247% | 3,710 |
| Return on assets (ROA) | 0.5247% | 3,695 |
| Pretax return on assets | 0.6059% | 3,724 |
| Return on Equity (ROE) | 7.7700% | 3,243 |
| Retained earnings to average equity (ytd only) | 5.5401% | 2,766 |
| Net charge-offs to loans | 0.0301% | 1,475 |
| Credit loss provision to net charge-offs | 444.4444% | 690 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 1,477 |
| Efficiency ratio | 82.2890% | 712 |
| Assets per employee ($millions) | 4.7290% | 3,787 |
| Cash dividends to net income (ytd only)* | 28.6807% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 2,153 |
| Loan loss allowance to noncurrent loans | 263.2813% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 1.9092% | 157 |
| Noncurrent loans to loans | 0.4719% | 1,645 |
| Net loans and leases to total assets | 60.6900% | 2,778 |
| Net loans and leases to deposits | 66.6031% | 3,080 |
| Net loans and leases to core deposits | 72.5238% | 3,079 |
| Total domestic deposits to total assets | 91.1300% | 642 |
| Equity capital to assets | 6.6028% | 3,794 |
| Core capital (leverage) ratio | 9.0233% | 3,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7856% | 1,980 |
| Memoranda: | ||
| Average total assets | $132,903,750 | 3,532 |
| Average earning assets | $122,203,000 | 3,533 |
| Average equity | $8,976,750 | 3,827 |
| Average total loans | $79,689,750 | 3,418 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9222% | 1,706 |
| Cost of funding earning assets | 1.2154% | 1,941 |
| Net interest margin | 3.7067% | 1,801 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 3.1292% | 868 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.5862% | 3,618 |
| Return on assets (ROA) | 0.5862% | 3,620 |
| Pretax return on assets | 0.6989% | 3,604 |
| Return on Equity (ROE) | 8.6100% | 3,083 |
| Retained earnings to average equity (ytd only) | 6.9577% | 2,294 |
| Net charge-offs to loans | 0.0253% | 1,381 |
| Credit loss provision to net charge-offs | 600.0000% | 572 |
| Earnings coverage of net charge-offs (x) | 52.5000% | 1,266 |
| Efficiency ratio | 79.8619% | 850 |
| Assets per employee ($millions) | 4.6643% | 3,847 |
| Cash dividends to net income (ytd only)* | 19.2308% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 2,184 |
| Loan loss allowance to noncurrent loans | 382.7586% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 1.8645% | 155 |
| Noncurrent loans to loans | 0.3258% | 1,966 |
| Net loans and leases to total assets | 60.5700% | 2,718 |
| Net loans and leases to deposits | 66.8004% | 3,017 |
| Net loans and leases to core deposits | 71.5377% | 3,037 |
| Total domestic deposits to total assets | 90.6700% | 737 |
| Equity capital to assets | 7.0728% | 3,757 |
| Core capital (leverage) ratio | 8.8207% | 3,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1063% | 1,851 |
| Memoranda: | ||
| Average total assets | $133,067,333 | 3,536 |
| Average earning assets | $122,426,000 | 3,534 |
| Average equity | $9,054,667 | 3,840 |
| Average total loans | $79,126,667 | 3,428 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6513% | 1,962 |
| Cost of funding earning assets | 1.1216% | 1,690 |
| Net interest margin | 3.5297% | 2,286 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 3.0945% | 945 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.5093% | 3,874 |
| Return on assets (ROA) | 0.5093% | 3,838 |
| Pretax return on assets | 0.5897% | 3,857 |
| Return on Equity (ROE) | 7.6300% | 3,382 |
| Retained earnings to average equity (ytd only) | 7.6309% | 2,327 |
| Net charge-offs to loans | -0.0153% | 4,000 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.0047% | 704 |
| Assets per employee ($millions) | 4.9709% | 3,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 2,343 |
| Loan loss allowance to noncurrent loans | 329.1946% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 1.8940% | 136 |
| Noncurrent loans to loans | 0.3762% | 1,802 |
| Net loans and leases to total assets | 58.2900% | 2,846 |
| Net loans and leases to deposits | 64.1728% | 3,070 |
| Net loans and leases to core deposits | 69.2793% | 2,999 |
| Total domestic deposits to total assets | 90.8300% | 852 |
| Equity capital to assets | 6.9493% | 3,856 |
| Core capital (leverage) ratio | 8.8303% | 3,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8863% | 2,005 |
| Memoranda: | ||
| Average total assets | $134,301,500 | 3,574 |
| Average earning assets | $123,750,000 | 3,561 |
| Average equity | $8,963,500 | 3,901 |
| Average total loans | $78,638,000 | 3,471 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1964% | 1,256 |
| Cost of funding earning assets | 0.4733% | 1,564 |
| Net interest margin | 3.7231% | 1,331 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 3.2147% | 704 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.6042% | 3,875 |
| Return on assets (ROA) | 0.6042% | 3,827 |
| Pretax return on assets | 0.6746% | 3,903 |
| Return on Equity (ROE) | 8.5200% | 3,252 |
| Retained earnings to average equity (ytd only) | 4.8713% | 3,106 |
| Net charge-offs to loans | 0.2070% | 401 |
| Credit loss provision to net charge-offs | 25.9740% | 1,914 |
| Earnings coverage of net charge-offs (x) | 6.0519% | 2,350 |
| Efficiency ratio | 82.0181% | 593 |
| Assets per employee ($millions) | 5.1688% | 3,538 |
| Cash dividends to net income (ytd only)* | 42.8035% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2157% | 2,317 |
| Loan loss allowance to noncurrent loans | 345.0909% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 1.8953% | 132 |
| Noncurrent loans to loans | 0.3523% | 1,882 |
| Net loans and leases to total assets | 57.3800% | 2,884 |
| Net loans and leases to deposits | 61.4872% | 3,235 |
| Net loans and leases to core deposits | 64.2351% | 3,248 |
| Total domestic deposits to total assets | 93.3200% | 342 |
| Equity capital to assets | 6.3994% | 3,941 |
| Core capital (leverage) ratio | 8.8223% | 3,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4129% | 2,194 |
| Memoranda: | ||
| Average total assets | $132,235,200 | 3,608 |
| Average earning assets | $121,269,600 | 3,604 |
| Average equity | $9,381,400 | 3,950 |
| Average total loans | $74,402,200 | 3,499 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1251% | 1,017 |
| Cost of funding earning assets | 0.4344% | 1,077 |
| Net interest margin | 3.6907% | 1,162 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 3.2569% | 633 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.5507% | 3,972 |
| Return on assets (ROA) | 0.5507% | 3,910 |
| Pretax return on assets | 0.5912% | 4,004 |
| Return on Equity (ROE) | 7.5700% | 3,445 |
| Retained earnings to average equity (ytd only) | 4.9006% | 3,140 |
| Net charge-offs to loans | 0.1324% | 489 |
| Credit loss provision to net charge-offs | 54.7945% | 1,513 |
| Earnings coverage of net charge-offs (x) | 8.5479% | 2,040 |
| Efficiency ratio | 83.7542% | 560 |
| Assets per employee ($millions) | 4.4045% | 4,119 |
| Cash dividends to net income (ytd only)* | 35.2941% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 1,812 |
| Loan loss allowance to noncurrent loans | 292.6136% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 2.0990% | 121 |
| Noncurrent loans to loans | 0.4608% | 1,651 |
| Net loans and leases to total assets | 59.0000% | 2,601 |
| Net loans and leases to deposits | 63.3411% | 2,916 |
| Net loans and leases to core deposits | 65.7546% | 2,965 |
| Total domestic deposits to total assets | 93.1500% | 541 |
| Equity capital to assets | 6.5435% | 3,717 |
| Core capital (leverage) ratio | 8.6513% | 3,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4812% | 2,273 |
| Memoranda: | ||
| Average total assets | $131,697,000 | 3,643 |
| Average earning assets | $120,623,500 | 3,638 |
| Average equity | $9,576,750 | 3,968 |
| Average total loans | $73,487,250 | 3,528 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9140% | 1,089 |
| Cost of funding earning assets | 0.4198% | 807 |
| Net interest margin | 3.4943% | 1,330 |
| Noninterest income to average assets | 0.4962% | 2,222 |
| Noninterest expense to average assets | 3.2311% | 599 |
| Loan and lease loss provision to assets | 0.0451% | 1,770 |
| Net operating income to assets | 0.4420% | 4,021 |
| Return on assets (ROA) | 0.4420% | 3,974 |
| Pretax return on assets | 0.4240% | 4,120 |
| Return on Equity (ROE) | 5.8900% | 3,601 |
| Retained earnings to average equity (ytd only) | 3.9667% | 3,093 |
| Net charge-offs to loans | 0.1407% | 464 |
| Credit loss provision to net charge-offs | 58.8235% | 1,460 |
| Earnings coverage of net charge-offs (x) | 6.1176% | 1,911 |
| Efficiency ratio | 87.3222% | 522 |
| Assets per employee ($millions) | 4.2526% | 4,238 |
| Cash dividends to net income (ytd only)* | 32.6531% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 1,805 |
| Loan loss allowance to noncurrent loans | 240.0922% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 1.9381% | 148 |
| Noncurrent loans to loans | 0.5775% | 1,461 |
| Net loans and leases to total assets | 56.2209% | 2,730 |
| Net loans and leases to deposits | 60.5780% | 3,015 |
| Net loans and leases to core deposits | 62.5863% | 3,067 |
| Total domestic deposits to total assets | 92.8074% | 561 |
| Equity capital to assets | 6.9491% | 3,796 |
| Core capital (leverage) ratio | 8.5267% | 3,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5908% | 2,258 |
| Memoranda: | ||
| Average total assets | $133,019,333 | 3,667 |
| Average earning assets | $121,971,333 | 3,670 |
| Average equity | $9,983,000 | 3,988 |
| Average total loans | $72,519,000 | 3,579 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7638% | 1,153 |
| Cost of funding earning assets | 0.4782% | 554 |
| Net interest margin | 3.2856% | 1,602 |
| Noninterest income to average assets | 0.4970% | 2,150 |
| Noninterest expense to average assets | 3.1673% | 629 |
| Loan and lease loss provision to assets | 0.0898% | 920 |
| Net operating income to assets | 0.2694% | 4,199 |
| Return on assets (ROA) | 0.2694% | 4,168 |
| Pretax return on assets | 0.2634% | 4,245 |
| Return on Equity (ROE) | 3.4635% | 4,007 |
| Retained earnings to average equity (ytd only) | 3.4635% | 3,133 |
| Net charge-offs to loans | 0.1573% | 376 |
| Credit loss provision to net charge-offs | 107.1429% | 974 |
| Earnings coverage of net charge-offs (x) | 4.2143% | 1,633 |
| Efficiency ratio | 89.9660% | 546 |
| Assets per employee ($millions) | 3.9704% | 4,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 1,587 |
| Loan loss allowance to noncurrent loans | 243.7071% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 1.9256% | 157 |
| Noncurrent loans to loans | 0.6108% | 1,531 |
| Net loans and leases to total assets | 53.7936% | 2,785 |
| Net loans and leases to deposits | 59.3173% | 2,969 |
| Net loans and leases to core deposits | 61.4930% | 3,020 |
| Total domestic deposits to total assets | 90.6879% | 1,187 |
| Equity capital to assets | 7.3918% | 3,993 |
| Core capital (leverage) ratio | 8.4620% | 3,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9706% | 2,223 |
| Memoranda: | ||
| Average total assets | $133,614,000 | 3,684 |
| Average earning assets | $122,960,500 | 3,683 |
| Average equity | $10,394,000 | 4,014 |
| Average total loans | $71,199,500 | 3,598 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5355% | 570 |
| Cost of funding earning assets | 0.5892% | 576 |
| Net interest margin | 3.9463% | 791 |
| Noninterest income to average assets | 0.6015% | 2,147 |
| Noninterest expense to average assets | 3.1636% | 768 |
| Loan and lease loss provision to assets | 0.0935% | 1,335 |
| Net operating income to assets | 0.7572% | 3,462 |
| Return on assets (ROA) | 0.7800% | 3,462 |
| Pretax return on assets | 0.9950% | 3,270 |
| Return on Equity (ROE) | 9.0944% | 2,876 |
| Retained earnings to average equity (ytd only) | 5.5784% | 2,529 |
| Net charge-offs to loans | 0.0106% | 2,164 |
| Credit loss provision to net charge-offs | 1,500.0000% | 381 |
| Earnings coverage of net charge-offs (x) | 170.0000% | 602 |
| Efficiency ratio | 74.9077% | 1,221 |
| Assets per employee ($millions) | 4.1274% | 4,371 |
| Cash dividends to net income (ytd only)* | 38.6613% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 1,555 |
| Loan loss allowance to noncurrent loans | 131.7224% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 2.1130% | 146 |
| Noncurrent loans to loans | 1.1390% | 849 |
| Net loans and leases to total assets | 51.2382% | 3,146 |
| Net loans and leases to deposits | 56.9195% | 3,345 |
| Net loans and leases to core deposits | 59.1152% | 3,381 |
| Total domestic deposits to total assets | 90.0187% | 947 |
| Equity capital to assets | 8.1517% | 4,272 |
| Core capital (leverage) ratio | 8.5121% | 3,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2968% | 2,127 |
| Memoranda: | ||
| Average total assets | $128,335,800 | 3,697 |
| Average earning assets | $117,782,600 | 3,711 |
| Average equity | $11,006,800 | 4,035 |
| Average total loans | $75,401,400 | 3,549 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7591% | 438 |
| Cost of funding earning assets | 0.6447% | 509 |
| Net interest margin | 4.1144% | 637 |
| Noninterest income to average assets | 0.6341% | 2,078 |
| Noninterest expense to average assets | 3.1948% | 719 |
| Loan and lease loss provision to assets | 0.0950% | 1,257 |
| Net operating income to assets | 0.8626% | 3,344 |
| Return on assets (ROA) | 0.8926% | 3,343 |
| Pretax return on assets | 1.1532% | 3,068 |
| Return on Equity (ROE) | 10.2704% | 2,637 |
| Retained earnings to average equity (ytd only) | 7.9031% | 2,087 |
| Net charge-offs to loans | 0.0139% | 1,813 |
| Credit loss provision to net charge-offs | 1,125.0000% | 480 |
| Earnings coverage of net charge-offs (x) | 143.3750% | 697 |
| Efficiency ratio | 72.5269% | 1,357 |
| Assets per employee ($millions) | 4.0334% | 4,434 |
| Cash dividends to net income (ytd only)* | 23.0496% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 1,916 |
| Loan loss allowance to noncurrent loans | 151.2445% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 2.1274% | 166 |
| Noncurrent loans to loans | 0.9428% | 1,218 |
| Net loans and leases to total assets | 57.1117% | 2,599 |
| Net loans and leases to deposits | 64.1936% | 2,828 |
| Net loans and leases to core deposits | 67.1333% | 2,845 |
| Total domestic deposits to total assets | 88.9678% | 1,294 |
| Equity capital to assets | 9.0103% | 3,824 |
| Core capital (leverage) ratio | 8.7014% | 3,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5302% | 2,155 |
| Memoranda: | ||
| Average total assets | $126,368,500 | 3,757 |
| Average earning assets | $115,817,750 | 3,779 |
| Average equity | $10,982,750 | 4,090 |
| Average total loans | $76,538,750 | 3,590 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6317% | 594 |
| Cost of funding earning assets | 0.6826% | 501 |
| Net interest margin | 3.9491% | 894 |
| Noninterest income to average assets | 0.6025% | 2,208 |
| Noninterest expense to average assets | 3.1306% | 803 |
| Loan and lease loss provision to assets | 0.0946% | 1,323 |
| Net operating income to assets | 0.7469% | 3,650 |
| Return on assets (ROA) | 0.7917% | 3,604 |
| Pretax return on assets | 1.0472% | 3,339 |
| Return on Equity (ROE) | 9.2209% | 3,033 |
| Retained earnings to average equity (ytd only) | 7.4024% | 2,290 |
| Net charge-offs to loans | -0.0026% | 3,250 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2611% | 1,228 |
| Assets per employee ($millions) | 4.1426% | 4,368 |
| Cash dividends to net income (ytd only)* | 19.7211% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 2,388 |
| Loan loss allowance to noncurrent loans | 230.0000% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 2.0012% | 214 |
| Noncurrent loans to loans | 0.5689% | 1,975 |
| Net loans and leases to total assets | 59.4381% | 2,488 |
| Net loans and leases to deposits | 66.4204% | 2,787 |
| Net loans and leases to core deposits | 69.4467% | 2,834 |
| Total domestic deposits to total assets | 89.4877% | 1,035 |
| Equity capital to assets | 8.6030% | 4,128 |
| Core capital (leverage) ratio | 8.0533% | 4,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7789% | 2,443 |
| Memoranda: | ||
| Average total assets | $126,813,333 | 3,766 |
| Average earning assets | $116,027,667 | 3,789 |
| Average equity | $10,888,333 | 4,113 |
| Average total loans | $77,904,333 | 3,586 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5213% | 751 |
| Cost of funding earning assets | 0.6320% | 755 |
| Net interest margin | 3.8893% | 1,008 |
| Noninterest income to average assets | 0.4603% | 2,788 |
| Noninterest expense to average assets | 3.0474% | 915 |
| Loan and lease loss provision to assets | 0.0952% | 1,405 |
| Net operating income to assets | 0.7158% | 3,672 |
| Return on assets (ROA) | 0.8095% | 3,464 |
| Pretax return on assets | 0.9872% | 3,410 |
| Return on Equity (ROE) | 9.4370% | 2,872 |
| Retained earnings to average equity (ytd only) | 9.4370% | 1,817 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8893% | 1,149 |
| Assets per employee ($millions) | 3.9497% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 2,841 |
| Loan loss allowance to noncurrent loans | 252.8351% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 1.9863% | 257 |
| Noncurrent loans to loans | 0.4812% | 2,408 |
| Net loans and leases to total assets | 61.1105% | 2,390 |
| Net loans and leases to deposits | 68.9162% | 2,610 |
| Net loans and leases to core deposits | 72.4926% | 2,657 |
| Total domestic deposits to total assets | 88.6736% | 1,524 |
| Equity capital to assets | 8.3143% | 4,264 |
| Core capital (leverage) ratio | 8.4758% | 4,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8648% | 2,339 |
| Memoranda: | ||
| Average total assets | $126,009,500 | 3,785 |
| Average earning assets | $115,189,000 | 3,793 |
| Average equity | $10,808,500 | 4,131 |
| Average total loans | $78,185,000 | 3,602 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8457% | 678 |
| Cost of funding earning assets | 0.7904% | 1,249 |
| Net interest margin | 4.0553% | 863 |
| Noninterest income to average assets | 0.6009% | 2,213 |
| Noninterest expense to average assets | 3.2690% | 942 |
| Loan and lease loss provision to assets | 0.2451% | 1,579 |
| Net operating income to assets | 0.6785% | 3,499 |
| Return on assets (ROA) | 0.8410% | 3,067 |
| Pretax return on assets | 0.9576% | 3,189 |
| Return on Equity (ROE) | 9.5289% | 2,188 |
| Retained earnings to average equity (ytd only) | 5.8771% | 1,856 |
| Net charge-offs to loans | 0.1990% | 868 |
| Credit loss provision to net charge-offs | 194.6667% | 2,185 |
| Earnings coverage of net charge-offs (x) | 8.0867% | 2,634 |
| Efficiency ratio | 76.2529% | 1,194 |
| Assets per employee ($millions) | 3.8024% | 4,509 |
| Cash dividends to net income (ytd only)* | 38.3234% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 2,640 |
| Loan loss allowance to noncurrent loans | 194.8770% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 2.2502% | 229 |
| Noncurrent loans to loans | 0.6443% | 2,069 |
| Net loans and leases to total assets | 61.4622% | 2,668 |
| Net loans and leases to deposits | 69.8752% | 2,890 |
| Net loans and leases to core deposits | 73.6293% | 2,942 |
| Total domestic deposits to total assets | 87.9600% | 1,491 |
| Equity capital to assets | 8.8594% | 4,177 |
| Core capital (leverage) ratio | 8.2376% | 4,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8520% | 2,299 |
| Memoranda: | ||
| Average total assets | $119,149,800 | 3,760 |
| Average earning assets | $108,302,000 | 3,793 |
| Average equity | $10,515,400 | 4,151 |
| Average total loans | $75,383,800 | 3,639 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8409% | 823 |
| Cost of funding earning assets | 0.8087% | 1,458 |
| Net interest margin | 4.0322% | 1,045 |
| Noninterest income to average assets | 0.5872% | 2,226 |
| Noninterest expense to average assets | 3.2186% | 1,044 |
| Loan and lease loss provision to assets | 0.2498% | 1,619 |
| Net operating income to assets | 0.6961% | 3,471 |
| Return on assets (ROA) | 0.7762% | 3,295 |
| Pretax return on assets | 0.8719% | 3,459 |
| Return on Equity (ROE) | 8.8042% | 2,474 |
| Retained earnings to average equity (ytd only) | 6.3544% | 1,942 |
| Net charge-offs to loans | 0.1186% | 1,177 |
| Credit loss provision to net charge-offs | 331.3433% | 1,664 |
| Earnings coverage of net charge-offs (x) | 13.6866% | 2,185 |
| Efficiency ratio | 75.7279% | 1,227 |
| Assets per employee ($millions) | 3.7517% | 4,517 |
| Cash dividends to net income (ytd only)* | 27.8261% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 2,608 |
| Loan loss allowance to noncurrent loans | 213.2743% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 2.2980% | 249 |
| Noncurrent loans to loans | 0.5674% | 2,379 |
| Net loans and leases to total assets | 63.5623% | 2,817 |
| Net loans and leases to deposits | 72.1639% | 3,116 |
| Net loans and leases to core deposits | 77.5433% | 3,052 |
| Total domestic deposits to total assets | 88.0805% | 1,185 |
| Equity capital to assets | 8.6918% | 4,339 |
| Core capital (leverage) ratio | 8.1741% | 4,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7053% | 2,324 |
| Memoranda: | ||
| Average total assets | $118,517,750 | 3,762 |
| Average earning assets | $107,664,250 | 3,799 |
| Average equity | $10,449,250 | 4,164 |
| Average total loans | $75,295,500 | 3,656 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8574% | 1,040 |
| Cost of funding earning assets | 0.8392% | 1,636 |
| Net interest margin | 4.0182% | 1,274 |
| Noninterest income to average assets | 0.5944% | 2,150 |
| Noninterest expense to average assets | 3.2547% | 1,067 |
| Loan and lease loss provision to assets | 0.0514% | 3,664 |
| Net operating income to assets | 0.7745% | 3,139 |
| Return on assets (ROA) | 0.8428% | 3,003 |
| Pretax return on assets | 1.0124% | 2,987 |
| Return on Equity (ROE) | 9.5115% | 2,144 |
| Retained earnings to average equity (ytd only) | 7.6556% | 1,415 |
| Net charge-offs to loans | 0.1381% | 1,022 |
| Credit loss provision to net charge-offs | 58.8235% | 2,593 |
| Earnings coverage of net charge-offs (x) | 11.2353% | 2,103 |
| Efficiency ratio | 76.8298% | 1,179 |
| Assets per employee ($millions) | 3.8341% | 4,444 |
| Cash dividends to net income (ytd only)* | 19.5122% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 3,569 |
| Loan loss allowance to noncurrent loans | 130.0330% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 2.4248% | 237 |
| Noncurrent loans to loans | 0.7703% | 1,961 |
| Net loans and leases to total assets | 63.4793% | 2,940 |
| Net loans and leases to deposits | 72.1669% | 3,245 |
| Net loans and leases to core deposits | 78.0925% | 3,095 |
| Total domestic deposits to total assets | 87.9617% | 1,197 |
| Equity capital to assets | 8.7015% | 4,352 |
| Core capital (leverage) ratio | 8.4749% | 4,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4800% | 2,821 |
| Memoranda: | ||
| Average total assets | $116,755,000 | 3,765 |
| Average earning assets | $105,818,667 | 3,811 |
| Average equity | $10,345,333 | 4,180 |
| Average total loans | $73,841,333 | 3,685 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8494% | 1,308 |
| Cost of funding earning assets | 0.8905% | 1,917 |
| Net interest margin | 3.9589% | 1,499 |
| Noninterest income to average assets | 0.5484% | 2,291 |
| Noninterest expense to average assets | 3.4204% | 1,039 |
| Loan and lease loss provision to assets | 0.1055% | 2,369 |
| Net operating income to assets | 0.5086% | 3,869 |
| Return on assets (ROA) | 0.6503% | 3,504 |
| Pretax return on assets | 0.7699% | 3,488 |
| Return on Equity (ROE) | 7.2692% | 2,845 |
| Retained earnings to average equity (ytd only) | 7.2692% | 1,454 |
| Net charge-offs to loans | 0.2072% | 670 |
| Credit loss provision to net charge-offs | 81.0811% | 1,932 |
| Earnings coverage of net charge-offs (x) | 5.4324% | 2,058 |
| Efficiency ratio | 82.8790% | 909 |
| Assets per employee ($millions) | 3.3786% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 3,127 |
| Loan loss allowance to noncurrent loans | 147.4265% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 2.8017% | 224 |
| Noncurrent loans to loans | 0.7547% | 2,115 |
| Net loans and leases to total assets | 65.9295% | 2,825 |
| Net loans and leases to deposits | 76.0309% | 3,071 |
| Net loans and leases to core deposits | 81.9195% | 3,028 |
| Total domestic deposits to total assets | 86.7140% | 1,683 |
| Equity capital to assets | 9.5658% | 4,159 |
| Core capital (leverage) ratio | 8.9728% | 4,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5529% | 2,458 |
| Memoranda: | ||
| Average total assets | $113,786,500 | 3,794 |
| Average earning assets | $102,858,000 | 3,837 |
| Average equity | $10,180,000 | 4,222 |
| Average total loans | $71,426,000 | 3,739 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0293% | 1,399 |
| Cost of funding earning assets | 0.8794% | 2,288 |
| Net interest margin | 4.1499% | 1,425 |
| Noninterest income to average assets | 0.5876% | 2,280 |
| Noninterest expense to average assets | 3.4851% | 981 |
| Loan and lease loss provision to assets | 0.0451% | 3,109 |
| Net operating income to assets | 0.6996% | 3,870 |
| Return on assets (ROA) | 0.6996% | 3,931 |
| Pretax return on assets | 0.8016% | 3,969 |
| Return on Equity (ROE) | 7.9741% | 3,171 |
| Retained earnings to average equity (ytd only) | 4.0230% | 2,951 |
| Net charge-offs to loans | 0.0338% | 2,707 |
| Credit loss provision to net charge-offs | 208.3333% | 1,275 |
| Earnings coverage of net charge-offs (x) | 39.0833% | 1,336 |
| Efficiency ratio | 80.4543% | 908 |
| Assets per employee ($millions) | 3.6200% | 4,354 |
| Cash dividends to net income (ytd only)* | 49.5484% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 2,724 |
| Loan loss allowance to noncurrent loans | 159.1356% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 2.5515% | 250 |
| Noncurrent loans to loans | 0.7192% | 2,082 |
| Net loans and leases to total assets | 58.5649% | 3,711 |
| Net loans and leases to deposits | 66.6746% | 3,917 |
| Net loans and leases to core deposits | 71.0914% | 3,910 |
| Total domestic deposits to total assets | 87.8368% | 1,206 |
| Equity capital to assets | 8.3861% | 4,956 |
| Core capital (leverage) ratio | 8.7111% | 4,720 |
| Tier 1 risk-based capital ratio | 12.2642% | 4,207 |
| Total risk-based capital ratio | 13.2911% | 4,211 |
| Memoranda: | ||
| Average total assets | $110,784,400 | 3,818 |
| Average earning assets | $99,954,800 | 3,873 |
| Average equity | $9,719,000 | 4,273 |
| Average total loans | $70,921,000 | 3,760 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1078% | 1,269 |
| Cost of funding earning assets | 0.8729% | 2,354 |
| Net interest margin | 4.2349% | 1,294 |
| Noninterest income to average assets | 0.6113% | 2,144 |
| Noninterest expense to average assets | 3.5562% | 896 |
| Loan and lease loss provision to assets | 0.0614% | 2,671 |
| Net operating income to assets | 0.6997% | 4,019 |
| Return on assets (ROA) | 0.6997% | 4,077 |
| Pretax return on assets | 0.8053% | 4,106 |
| Return on Equity (ROE) | 7.7310% | 3,421 |
| Retained earnings to average equity (ytd only) | 5.1269% | 2,834 |
| Net charge-offs to loans | 0.0451% | 2,192 |
| Credit loss provision to net charge-offs | 208.3333% | 1,266 |
| Earnings coverage of net charge-offs (x) | 29.4159% | 1,643 |
| Efficiency ratio | 80.4052% | 888 |
| Assets per employee ($millions) | 3.3768% | 4,613 |
| Cash dividends to net income (ytd only)* | 33.6838% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 2,905 |
| Loan loss allowance to noncurrent loans | 144.4643% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 2.7679% | 216 |
| Noncurrent loans to loans | 0.7785% | 2,020 |
| Net loans and leases to total assets | 65.8177% | 3,069 |
| Net loans and leases to deposits | 75.5460% | 3,340 |
| Net loans and leases to core deposits | 83.1389% | 3,170 |
| Total domestic deposits to total assets | 87.1228% | 1,458 |
| Equity capital to assets | 9.3773% | 4,544 |
| Core capital (leverage) ratio | 9.0805% | 4,574 |
| Tier 1 risk-based capital ratio | 12.4796% | 4,156 |
| Total risk-based capital ratio | 13.5102% | 4,157 |
| Memoranda: | ||
| Average total assets | $108,615,750 | 3,890 |
| Average earning assets | $97,756,750 | 3,946 |
| Average equity | $9,830,250 | 4,308 |
| Average total loans | $70,958,500 | 3,802 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0488% | 1,356 |
| Cost of funding earning assets | 0.8258% | 2,518 |
| Net interest margin | 4.2230% | 1,308 |
| Noninterest income to average assets | 0.5625% | 2,329 |
| Noninterest expense to average assets | 3.5367% | 916 |
| Loan and lease loss provision to assets | 0.0919% | 2,016 |
| Net operating income to assets | 0.6544% | 4,151 |
| Return on assets (ROA) | 0.6544% | 4,200 |
| Pretax return on assets | 0.7316% | 4,254 |
| Return on Equity (ROE) | 7.3181% | 3,562 |
| Retained earnings to average equity (ytd only) | 5.3447% | 2,599 |
| Net charge-offs to loans | 0.0113% | 2,727 |
| Credit loss provision to net charge-offs | 1,250.0000% | 284 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 640 |
| Efficiency ratio | 81.1130% | 877 |
| Assets per employee ($millions) | 3.4099% | 4,593 |
| Cash dividends to net income (ytd only)* | 26.9663% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 2,838 |
| Loan loss allowance to noncurrent loans | 161.2840% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 2.8932% | 217 |
| Noncurrent loans to loans | 0.7076% | 2,209 |
| Net loans and leases to total assets | 65.8110% | 3,134 |
| Net loans and leases to deposits | 75.3289% | 3,386 |
| Net loans and leases to core deposits | 82.5414% | 3,237 |
| Total domestic deposits to total assets | 87.3649% | 1,402 |
| Equity capital to assets | 9.2112% | 4,642 |
| Core capital (leverage) ratio | 9.0494% | 4,592 |
| Tier 1 risk-based capital ratio | 12.2288% | 4,283 |
| Total risk-based capital ratio | 13.2823% | 4,287 |
| Memoranda: | ||
| Average total assets | $108,801,330 | 3,915 |
| Average earning assets | $97,845,330 | 3,970 |
| Average equity | $9,729,330 | 4,338 |
| Average total loans | $70,634,330 | 3,827 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9185% | 1,551 |
| Cost of funding earning assets | 0.7740% | 2,671 |
| Net interest margin | 4.1445% | 1,441 |
| Noninterest income to average assets | 0.5596% | 2,230 |
| Noninterest expense to average assets | 3.4572% | 1,026 |
| Loan and lease loss provision to assets | 0.1105% | 1,610 |
| Net operating income to assets | 0.6296% | 4,147 |
| Return on assets (ROA) | 0.6296% | 4,190 |
| Pretax return on assets | 0.7179% | 4,258 |
| Return on Equity (ROE) | 7.1485% | 3,616 |
| Retained earnings to average equity (ytd only) | 3.1353% | 3,685 |
| Net charge-offs to loans | -0.0172% | 4,431 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6701% | 990 |
| Assets per employee ($millions) | 3.4075% | 4,646 |
| Cash dividends to net income (ytd only)* | 56.1404% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 2,882 |
| Loan loss allowance to noncurrent loans | 124.5802% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 3.0814% | 205 |
| Noncurrent loans to loans | 0.9196% | 1,821 |
| Net loans and leases to total assets | 66.6547% | 2,950 |
| Net loans and leases to deposits | 75.1561% | 3,338 |
| Net loans and leases to core deposits | 82.5169% | 3,146 |
| Total domestic deposits to total assets | 88.6883% | 1,002 |
| Equity capital to assets | 9.1864% | 4,550 |
| Core capital (leverage) ratio | 9.0585% | 4,613 |
| Tier 1 risk-based capital ratio | 12.2205% | 4,341 |
| Total risk-based capital ratio | 13.2771% | 4,338 |
| Memoranda: | ||
| Average total assets | $108,643,500 | 3,959 |
| Average earning assets | $97,672,500 | 4,013 |
| Average equity | $9,568,500 | 4,395 |
| Average total loans | $69,631,500 | 3,873 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8901% | 1,317 |
| Cost of funding earning assets | 0.7074% | 2,047 |
| Net interest margin | 4.1826% | 1,441 |
| Noninterest income to average assets | 0.5745% | 2,423 |
| Noninterest expense to average assets | 3.5406% | 946 |
| Loan and lease loss provision to assets | 0.0798% | 2,528 |
| Net operating income to assets | 0.6280% | 4,339 |
| Return on assets (ROA) | 0.6280% | 4,349 |
| Pretax return on assets | 0.6946% | 4,428 |
| Return on Equity (ROE) | 7.2384% | 3,753 |
| Retained earnings to average equity (ytd only) | 3.3108% | 3,753 |
| Net charge-offs to loans | 0.0972% | 1,790 |
| Credit loss provision to net charge-offs | 128.7879% | 2,050 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 2,525 |
| Efficiency ratio | 82.0535% | 801 |
| Assets per employee ($millions) | 3.3834% | 4,674 |
| Cash dividends to net income (ytd only)* | 54.2601% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 2,824 |
| Loan loss allowance to noncurrent loans | 134.7676% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 2.9493% | 217 |
| Noncurrent loans to loans | 0.8539% | 1,888 |
| Net loans and leases to total assets | 60.2348% | 3,749 |
| Net loans and leases to deposits | 65.9211% | 4,124 |
| Net loans and leases to core deposits | 69.9411% | 4,119 |
| Total domestic deposits to total assets | 91.3742% | 136 |
| Equity capital to assets | 8.4485% | 4,966 |
| Core capital (leverage) ratio | 8.9748% | 4,675 |
| Tier 1 risk-based capital ratio | 12.5798% | 4,085 |
| Total risk-based capital ratio | 13.6324% | 4,074 |
| Memoranda: | ||
| Average total assets | $106,535,600 | 3,996 |
| Average earning assets | $95,274,600 | 4,046 |
| Average equity | $9,242,400 | 4,428 |
| Average total loans | $67,933,600 | 3,919 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9051% | 1,145 |
| Cost of funding earning assets | 0.6951% | 1,869 |
| Net interest margin | 4.2100% | 1,331 |
| Noninterest income to average assets | 0.5751% | 2,452 |
| Noninterest expense to average assets | 3.5810% | 882 |
| Loan and lease loss provision to assets | 0.0697% | 2,577 |
| Net operating income to assets | 0.5954% | 4,516 |
| Return on assets (ROA) | 0.5954% | 4,525 |
| Pretax return on assets | 0.6840% | 4,570 |
| Return on Equity (ROE) | 6.8153% | 3,992 |
| Retained earnings to average equity (ytd only) | 2.9436% | 4,258 |
| Net charge-offs to loans | 0.0825% | 1,699 |
| Credit loss provision to net charge-offs | 130.9524% | 1,884 |
| Earnings coverage of net charge-offs (x) | 14.1663% | 2,303 |
| Efficiency ratio | 82.6125% | 734 |
| Assets per employee ($millions) | 3.2667% | 4,818 |
| Cash dividends to net income (ytd only)* | 56.8084% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 2,968 |
| Loan loss allowance to noncurrent loans | 90.0348% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 3.4468% | 171 |
| Noncurrent loans to loans | 1.2655% | 1,333 |
| Net loans and leases to total assets | 64.4954% | 3,364 |
| Net loans and leases to deposits | 72.8271% | 3,695 |
| Net loans and leases to core deposits | 80.1053% | 3,486 |
| Total domestic deposits to total assets | 88.5596% | 1,020 |
| Equity capital to assets | 8.7695% | 4,738 |
| Core capital (leverage) ratio | 8.8910% | 4,809 |
| Tier 1 risk-based capital ratio | 12.3322% | 4,297 |
| Total risk-based capital ratio | 13.3723% | 4,323 |
| Memoranda: | ||
| Average total assets | $105,256,250 | 4,050 |
| Average earning assets | $93,995,250 | 4,104 |
| Average equity | $9,194,750 | 4,476 |
| Average total loans | $67,907,750 | 3,951 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8464% | 1,138 |
| Cost of funding earning assets | 0.6790% | 1,750 |
| Net interest margin | 4.1674% | 1,359 |
| Noninterest income to average assets | 0.5839% | 2,413 |
| Noninterest expense to average assets | 3.5679% | 906 |
| Loan and lease loss provision to assets | 0.0664% | 2,571 |
| Net operating income to assets | 0.5858% | 4,543 |
| Return on assets (ROA) | 0.5858% | 4,540 |
| Pretax return on assets | 0.6730% | 4,576 |
| Return on Equity (ROE) | 6.7145% | 3,987 |
| Retained earnings to average equity (ytd only) | 2.9987% | 4,055 |
| Net charge-offs to loans | 0.1032% | 1,323 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 11.1429% | 2,291 |
| Efficiency ratio | 82.8345% | 775 |
| Assets per employee ($millions) | 3.0692% | 5,052 |
| Cash dividends to net income (ytd only)* | 55.3398% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1178% | 3,157 |
| Loan loss allowance to noncurrent loans | 296.1240% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 2.9314% | 257 |
| Noncurrent loans to loans | 0.3775% | 3,341 |
| Net loans and leases to total assets | 64.7654% | 3,311 |
| Net loans and leases to deposits | 73.1041% | 3,614 |
| Net loans and leases to core deposits | 80.4112% | 3,383 |
| Total domestic deposits to total assets | 88.5934% | 1,098 |
| Equity capital to assets | 8.7828% | 4,733 |
| Core capital (leverage) ratio | 8.9002% | 4,788 |
| Tier 1 risk-based capital ratio | 12.2486% | 4,342 |
| Total risk-based capital ratio | 13.2716% | 4,354 |
| Memoranda: | ||
| Average total assets | $105,497,330 | 4,082 |
| Average earning assets | $94,256,000 | 4,143 |
| Average equity | $9,204,000 | 4,512 |
| Average total loans | $67,811,670 | 3,980 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7802% | 1,122 |
| Cost of funding earning assets | 0.6618% | 1,648 |
| Net interest margin | 4.1184% | 1,389 |
| Noninterest income to average assets | 0.4827% | 2,916 |
| Noninterest expense to average assets | 3.4883% | 1,022 |
| Loan and lease loss provision to assets | 0.0264% | 3,175 |
| Net operating income to assets | 0.5581% | 4,550 |
| Return on assets (ROA) | 0.5581% | 4,552 |
| Pretax return on assets | 0.6524% | 4,565 |
| Return on Equity (ROE) | 6.4184% | 4,017 |
| Retained earnings to average equity (ytd only) | 3.1658% | 3,938 |
| Net charge-offs to loans | 0.2310% | 649 |
| Credit loss provision to net charge-offs | 17.9487% | 2,135 |
| Earnings coverage of net charge-offs (x) | 4.6154% | 2,284 |
| Efficiency ratio | 83.7104% | 821 |
| Assets per employee ($millions) | 3.2018% | 4,998 |
| Cash dividends to net income (ytd only)* | 50.6757% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 3,560 |
| Loan loss allowance to noncurrent loans | 281.5385% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 2.9114% | 282 |
| Noncurrent loans to loans | 0.3794% | 3,424 |
| Net loans and leases to total assets | 66.1783% | 3,008 |
| Net loans and leases to deposits | 74.8267% | 3,332 |
| Net loans and leases to core deposits | 82.1709% | 3,127 |
| Total domestic deposits to total assets | 88.4421% | 1,384 |
| Equity capital to assets | 8.9158% | 4,641 |
| Core capital (leverage) ratio | 8.8566% | 4,844 |
| Tier 1 risk-based capital ratio | 12.0736% | 4,512 |
| Total risk-based capital ratio | 13.0467% | 4,564 |
| Memoranda: | ||
| Average total assets | $106,070,000 | 4,123 |
| Average earning assets | $94,890,500 | 4,177 |
| Average equity | $9,223,500 | 4,554 |
| Average total loans | $67,543,500 | 4,023 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7760% | 1,018 |
| Cost of funding earning assets | 0.6663% | 1,204 |
| Net interest margin | 4.1098% | 1,406 |
| Noninterest income to average assets | 0.5527% | 2,701 |
| Noninterest expense to average assets | 3.5160% | 1,006 |
| Loan and lease loss provision to assets | 0.0650% | 2,911 |
| Net operating income to assets | 0.4747% | 4,445 |
| Return on assets (ROA) | 0.4408% | 4,589 |
| Pretax return on assets | 0.5728% | 4,798 |
| Return on Equity (ROE) | 4.9506% | 4,179 |
| Retained earnings to average equity (ytd only) | 0.8913% | 4,674 |
| Net charge-offs to loans | 0.1118% | 1,943 |
| Credit loss provision to net charge-offs | 90.6667% | 2,776 |
| Earnings coverage of net charge-offs (x) | 9.5067% | 2,774 |
| Efficiency ratio | 83.7585% | 791 |
| Assets per employee ($millions) | 3.4276% | 4,797 |
| Cash dividends to net income (ytd only)* | 81.9957% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 3,072 |
| Loan loss allowance to noncurrent loans | 260.7509% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 2.6258% | 337 |
| Noncurrent loans to loans | 0.4403% | 3,206 |
| Net loans and leases to total assets | 59.9788% | 3,834 |
| Net loans and leases to deposits | 67.3354% | 4,072 |
| Net loans and leases to core deposits | 71.0102% | 4,110 |
| Total domestic deposits to total assets | 89.0748% | 974 |
| Equity capital to assets | 8.4900% | 5,132 |
| Core capital (leverage) ratio | 8.8192% | 4,842 |
| Tier 1 risk-based capital ratio | 11.9629% | 4,556 |
| Total risk-based capital ratio | 12.9846% | 4,579 |
| Memoranda: | ||
| Average total assets | $104,579,600 | 4,158 |
| Average earning assets | $92,754,800 | 4,224 |
| Average equity | $9,312,000 | 4,560 |
| Average total loans | $67,060,200 | 4,029 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8324% | 867 |
| Cost of funding earning assets | 0.6732% | 1,103 |
| Net interest margin | 4.1591% | 1,253 |
| Noninterest income to average assets | 0.5563% | 2,692 |
| Noninterest expense to average assets | 3.5390% | 935 |
| Loan and lease loss provision to assets | 0.0671% | 2,725 |
| Net operating income to assets | 0.5382% | 4,623 |
| Return on assets (ROA) | 0.5382% | 4,657 |
| Pretax return on assets | 0.6260% | 4,786 |
| Return on Equity (ROE) | 5.9707% | 4,135 |
| Retained earnings to average equity (ytd only) | 1.9330% | 4,664 |
| Net charge-offs to loans | 0.1687% | 1,233 |
| Credit loss provision to net charge-offs | 61.1765% | 2,794 |
| Earnings coverage of net charge-offs (x) | 6.3177% | 2,997 |
| Efficiency ratio | 83.6231% | 786 |
| Assets per employee ($millions) | 3.1649% | 5,110 |
| Cash dividends to net income (ytd only)* | 67.6253% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 3,384 |
| Loan loss allowance to noncurrent loans | 338.5321% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 2.8496% | 332 |
| Noncurrent loans to loans | 0.3308% | 3,763 |
| Net loans and leases to total assets | 64.3397% | 3,342 |
| Net loans and leases to deposits | 74.0662% | 3,554 |
| Net loans and leases to core deposits | 81.1977% | 3,358 |
| Total domestic deposits to total assets | 86.8678% | 1,923 |
| Equity capital to assets | 9.3120% | 4,639 |
| Core capital (leverage) ratio | 8.7053% | 5,059 |
| Tier 1 risk-based capital ratio | 11.9103% | 4,694 |
| Total risk-based capital ratio | 12.9056% | 4,739 |
| Memoranda: | ||
| Average total assets | $103,304,000 | 4,221 |
| Average earning assets | $91,298,750 | 4,302 |
| Average equity | $9,312,000 | 4,607 |
| Average total loans | $67,187,750 | 4,059 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7723% | 914 |
| Cost of funding earning assets | 0.6594% | 1,090 |
| Net interest margin | 4.1129% | 1,294 |
| Noninterest income to average assets | 0.5540% | 2,689 |
| Noninterest expense to average assets | 3.4949% | 1,020 |
| Loan and lease loss provision to assets | 0.1000% | 2,015 |
| Net operating income to assets | 0.4597% | 4,826 |
| Return on assets (ROA) | 0.4597% | 4,849 |
| Pretax return on assets | 0.5943% | 4,820 |
| Return on Equity (ROE) | 5.1551% | 4,415 |
| Retained earnings to average equity (ytd only) | 1.1432% | 4,781 |
| Net charge-offs to loans | 0.1952% | 1,032 |
| Credit loss provision to net charge-offs | 78.7879% | 2,278 |
| Earnings coverage of net charge-offs (x) | 5.4697% | 2,820 |
| Efficiency ratio | 83.4252% | 884 |
| Assets per employee ($millions) | 3.1980% | 5,100 |
| Cash dividends to net income (ytd only)* | 77.8243% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 3,381 |
| Loan loss allowance to noncurrent loans | 185.9951% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 3.1573% | 279 |
| Noncurrent loans to loans | 0.6115% | 2,893 |
| Net loans and leases to total assets | 64.3025% | 3,348 |
| Net loans and leases to deposits | 73.8433% | 3,564 |
| Net loans and leases to core deposits | 80.8433% | 3,359 |
| Total domestic deposits to total assets | 87.0797% | 1,909 |
| Equity capital to assets | 9.1572% | 4,753 |
| Core capital (leverage) ratio | 8.7050% | 5,042 |
| Tier 1 risk-based capital ratio | 11.7117% | 4,833 |
| Total risk-based capital ratio | 12.7255% | 4,871 |
| Memoranda: | ||
| Average total assets | $103,979,330 | 4,244 |
| Average earning assets | $91,906,330 | 4,312 |
| Average equity | $9,272,330 | 4,630 |
| Average total loans | $67,617,000 | 4,073 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7295% | 888 |
| Cost of funding earning assets | 0.6540% | 1,057 |
| Net interest margin | 4.0755% | 1,285 |
| Noninterest income to average assets | 0.5649% | 2,583 |
| Noninterest expense to average assets | 3.4198% | 1,157 |
| Loan and lease loss provision to assets | 0.0878% | 2,075 |
| Net operating income to assets | 0.4809% | 4,669 |
| Return on assets (ROA) | 0.4809% | 4,693 |
| Pretax return on assets | 0.6488% | 4,601 |
| Return on Equity (ROE) | 5.4646% | 4,166 |
| Retained earnings to average equity (ytd only) | 1.3011% | 4,564 |
| Net charge-offs to loans | 0.3111% | 595 |
| Credit loss provision to net charge-offs | 43.3962% | 2,040 |
| Earnings coverage of net charge-offs (x) | 3.6415% | 2,466 |
| Efficiency ratio | 82.2773% | 1,134 |
| Assets per employee ($millions) | 3.0951% | 5,275 |
| Cash dividends to net income (ytd only)* | 76.1905% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 3,645 |
| Loan loss allowance to noncurrent loans | 204.1322% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 2.9803% | 346 |
| Noncurrent loans to loans | 0.5448% | 3,185 |
| Net loans and leases to total assets | 64.5045% | 3,198 |
| Net loans and leases to deposits | 73.9519% | 3,407 |
| Net loans and leases to core deposits | 81.2257% | 3,174 |
| Total domestic deposits to total assets | 87.2250% | 2,099 |
| Equity capital to assets | 9.0574% | 4,754 |
| Core capital (leverage) ratio | 8.6168% | 5,138 |
| Tier 1 risk-based capital ratio | 11.7371% | 4,893 |
| Total risk-based capital ratio | 12.7330% | 4,939 |
| Memoranda: | ||
| Average total assets | $104,801,500 | 4,269 |
| Average earning assets | $92,356,500 | 4,344 |
| Average equity | $9,223,000 | 4,677 |
| Average total loans | $68,145,000 | 4,091 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9395% | 672 |
| Cost of funding earning assets | 0.6632% | 988 |
| Net interest margin | 4.2763% | 969 |
| Noninterest income to average assets | 0.5503% | 2,911 |
| Noninterest expense to average assets | 3.5401% | 1,102 |
| Loan and lease loss provision to assets | 0.0969% | 2,432 |
| Net operating income to assets | 0.6212% | 4,115 |
| Return on assets (ROA) | 0.6317% | 4,190 |
| Pretax return on assets | 0.7043% | 4,471 |
| Return on Equity (ROE) | 7.0773% | 3,429 |
| Retained earnings to average equity (ytd only) | 1.8670% | 4,471 |
| Net charge-offs to loans | 0.1756% | 1,563 |
| Credit loss provision to net charge-offs | 81.9672% | 2,945 |
| Earnings coverage of net charge-offs (x) | 6.6803% | 3,136 |
| Efficiency ratio | 81.7633% | 1,228 |
| Assets per employee ($millions) | 3.3583% | 4,965 |
| Cash dividends to net income (ytd only)* | 73.6196% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 3,671 |
| Loan loss allowance to noncurrent loans | 142.2509% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 2.9181% | 360 |
| Noncurrent loans to loans | 0.7780% | 2,576 |
| Net loans and leases to total assets | 64.1086% | 3,347 |
| Net loans and leases to deposits | 72.7439% | 3,639 |
| Net loans and leases to core deposits | 79.2425% | 3,459 |
| Total domestic deposits to total assets | 88.1293% | 1,577 |
| Equity capital to assets | 8.5562% | 5,225 |
| Core capital (leverage) ratio | 8.6146% | 5,158 |
| Tier 1 risk-based capital ratio | 11.3711% | 5,133 |
| Total risk-based capital ratio | 12.3688% | 5,158 |
| Memoranda: | ||
| Average total assets | $103,216,000 | 4,302 |
| Average earning assets | $91,223,600 | 4,364 |
| Average equity | $9,212,600 | 4,710 |
| Average total loans | $69,475,000 | 4,054 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9705% | 635 |
| Cost of funding earning assets | 0.6619% | 996 |
| Net interest margin | 4.3085% | 914 |
| Noninterest income to average assets | 0.5521% | 2,905 |
| Noninterest expense to average assets | 3.6141% | 977 |
| Loan and lease loss provision to assets | 0.0979% | 2,267 |
| Net operating income to assets | 0.5684% | 4,421 |
| Return on assets (ROA) | 0.5730% | 4,508 |
| Pretax return on assets | 0.6513% | 4,738 |
| Return on Equity (ROE) | 6.3504% | 3,903 |
| Retained earnings to average equity (ytd only) | 2.1843% | 4,601 |
| Net charge-offs to loans | 0.0749% | 2,250 |
| Credit loss provision to net charge-offs | 192.3077% | 1,477 |
| Earnings coverage of net charge-offs (x) | 14.6150% | 2,234 |
| Efficiency ratio | 82.9290% | 1,079 |
| Assets per employee ($millions) | 3.1583% | 5,232 |
| Cash dividends to net income (ytd only)* | 65.6034% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 3,496 |
| Loan loss allowance to noncurrent loans | 80.1741% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 3.4651% | 290 |
| Noncurrent loans to loans | 1.4447% | 1,499 |
| Net loans and leases to total assets | 69.9972% | 2,488 |
| Net loans and leases to deposits | 80.3257% | 2,922 |
| Net loans and leases to core deposits | 90.5556% | 2,522 |
| Total domestic deposits to total assets | 87.1418% | 1,829 |
| Equity capital to assets | 9.2605% | 4,904 |
| Core capital (leverage) ratio | 8.9055% | 4,935 |
| Tier 1 risk-based capital ratio | 11.1872% | 5,264 |
| Total risk-based capital ratio | 12.2340% | 5,293 |
| Memoranda: | ||
| Average total assets | $102,153,500 | 4,353 |
| Average earning assets | $90,237,250 | 4,414 |
| Average equity | $9,217,000 | 4,760 |
| Average total loans | $69,427,250 | 4,088 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9376% | 659 |
| Cost of funding earning assets | 0.6606% | 992 |
| Net interest margin | 4.2771% | 971 |
| Noninterest income to average assets | 0.4916% | 3,253 |
| Noninterest expense to average assets | 3.5565% | 1,075 |
| Loan and lease loss provision to assets | 0.1463% | 1,564 |
| Net operating income to assets | 0.4503% | 4,870 |
| Return on assets (ROA) | 0.4565% | 4,935 |
| Pretax return on assets | 0.5736% | 4,962 |
| Return on Equity (ROE) | 5.1038% | 4,467 |
| Retained earnings to average equity (ytd only) | 0.9161% | 5,027 |
| Net charge-offs to loans | 0.1077% | 1,749 |
| Credit loss provision to net charge-offs | 202.7027% | 1,291 |
| Earnings coverage of net charge-offs (x) | 9.8649% | 2,376 |
| Efficiency ratio | 83.3181% | 1,111 |
| Assets per employee ($millions) | 3.1134% | 5,315 |
| Cash dividends to net income (ytd only)* | 82.0513% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 3,417 |
| Loan loss allowance to noncurrent loans | 162.3047% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 3.0583% | 393 |
| Noncurrent loans to loans | 0.7339% | 2,903 |
| Net loans and leases to total assets | 69.1937% | 2,605 |
| Net loans and leases to deposits | 79.4516% | 3,004 |
| Net loans and leases to core deposits | 90.3499% | 2,503 |
| Total domestic deposits to total assets | 87.0891% | 1,871 |
| Equity capital to assets | 9.2834% | 4,991 |
| Core capital (leverage) ratio | 8.7758% | 5,088 |
| Tier 1 risk-based capital ratio | 11.5432% | 5,125 |
| Total risk-based capital ratio | 12.6397% | 5,119 |
| Memoranda: | ||
| Average total assets | $102,516,670 | 4,378 |
| Average earning assets | $90,529,330 | 4,449 |
| Average equity | $9,169,670 | 4,808 |
| Average total loans | $68,712,670 | 4,124 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7968% | 852 |
| Cost of funding earning assets | 0.6591% | 1,000 |
| Net interest margin | 4.1377% | 1,244 |
| Noninterest income to average assets | 0.4963% | 3,146 |
| Noninterest expense to average assets | 3.4782% | 1,224 |
| Loan and lease loss provision to assets | 0.1347% | 1,566 |
| Net operating income to assets | 0.4038% | 4,985 |
| Return on assets (ROA) | 0.4155% | 5,025 |
| Pretax return on assets | 0.5464% | 4,962 |
| Return on Equity (ROE) | 4.7317% | 4,611 |
| Retained earnings to average equity (ytd only) | 0.5257% | 4,984 |
| Net charge-offs to loans | 0.1936% | 1,015 |
| Credit loss provision to net charge-offs | 106.0606% | 1,554 |
| Earnings coverage of net charge-offs (x) | 5.2424% | 2,345 |
| Efficiency ratio | 83.9369% | 1,163 |
| Assets per employee ($millions) | 3.0919% | 5,413 |
| Cash dividends to net income (ytd only)* | 88.8889% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 3,668 |
| Loan loss allowance to noncurrent loans | 201.2658% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 2.9654% | 427 |
| Noncurrent loans to loans | 0.5809% | 3,447 |
| Net loans and leases to total assets | 67.9240% | 2,656 |
| Net loans and leases to deposits | 77.9828% | 3,007 |
| Net loans and leases to core deposits | 87.5155% | 2,612 |
| Total domestic deposits to total assets | 87.1013% | 2,161 |
| Equity capital to assets | 9.2693% | 4,922 |
| Core capital (leverage) ratio | 8.5164% | 5,377 |
| Tier 1 risk-based capital ratio | 11.6297% | 5,151 |
| Total risk-based capital ratio | 12.6991% | 5,162 |
| Memoranda: | ||
| Average total assets | $103,960,500 | 4,387 |
| Average earning assets | $91,645,000 | 4,465 |
| Average equity | $9,130,000 | 4,833 |
| Average total loans | $68,185,000 | 4,155 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8239% | 884 |
| Cost of funding earning assets | 0.6738% | 941 |
| Net interest margin | 4.1501% | 1,282 |
| Noninterest income to average assets | 0.5257% | 3,165 |
| Noninterest expense to average assets | 3.6298% | 1,071 |
| Loan and lease loss provision to assets | 0.0688% | 2,920 |
| Net operating income to assets | 0.4378% | 4,927 |
| Return on assets (ROA) | 0.4726% | 4,880 |
| Pretax return on assets | 0.5208% | 5,062 |
| Return on Equity (ROE) | 5.3267% | 4,360 |
| Retained earnings to average equity (ytd only) | 1.2071% | 5,025 |
| Net charge-offs to loans | 0.0430% | 3,358 |
| Credit loss provision to net charge-offs | 241.3793% | 1,179 |
| Earnings coverage of net charge-offs (x) | 19.3448% | 1,952 |
| Efficiency ratio | 86.8155% | 929 |
| Assets per employee ($millions) | 3.3025% | 5,150 |
| Cash dividends to net income (ytd only)* | 77.3389% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 3,703 |
| Loan loss allowance to noncurrent loans | 277.2727% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 2.6491% | 564 |
| Noncurrent loans to loans | 0.4183% | 3,952 |
| Net loans and leases to total assets | 62.0090% | 3,563 |
| Net loans and leases to deposits | 70.1650% | 3,905 |
| Net loans and leases to core deposits | 76.6069% | 3,701 |
| Total domestic deposits to total assets | 88.3760% | 1,433 |
| Equity capital to assets | 8.3400% | 5,676 |
| Core capital (leverage) ratio | 8.6645% | 5,258 |
| Tier 1 risk-based capital ratio | 11.4130% | 5,305 |
| Total risk-based capital ratio | 12.4681% | 5,313 |
| Memoranda: | ||
| Average total assets | $101,767,600 | 4,428 |
| Average earning assets | $89,636,200 | 4,513 |
| Average equity | $9,030,000 | 4,842 |
| Average total loans | $67,482,800 | 4,160 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8646% | 828 |
| Cost of funding earning assets | 0.6830% | 920 |
| Net interest margin | 4.1816% | 1,209 |
| Noninterest income to average assets | 0.5188% | 3,233 |
| Noninterest expense to average assets | 3.7212% | 949 |
| Loan and lease loss provision to assets | 0.0734% | 2,704 |
| Net operating income to assets | 0.3514% | 5,311 |
| Return on assets (ROA) | 0.3855% | 5,296 |
| Pretax return on assets | 0.4375% | 5,380 |
| Return on Equity (ROE) | 4.2741% | 4,924 |
| Retained earnings to average equity (ytd only) | 0.1922% | 5,551 |
| Net charge-offs to loans | 0.0397% | 3,094 |
| Credit loss provision to net charge-offs | 275.0000% | 1,053 |
| Earnings coverage of net charge-offs (x) | 17.6974% | 2,045 |
| Efficiency ratio | 88.7405% | 782 |
| Assets per employee ($millions) | 3.0056% | 5,539 |
| Cash dividends to net income (ytd only)* | 95.5024% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 3,885 |
| Loan loss allowance to noncurrent loans | 57.5292% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 3.9895% | 299 |
| Noncurrent loans to loans | 2.0126% | 1,145 |
| Net loans and leases to total assets | 69.8559% | 2,408 |
| Net loans and leases to deposits | 80.4816% | 2,819 |
| Net loans and leases to core deposits | 88.8668% | 2,575 |
| Total domestic deposits to total assets | 86.7974% | 2,139 |
| Equity capital to assets | 9.4107% | 4,870 |
| Core capital (leverage) ratio | 8.9073% | 5,109 |
| Tier 1 risk-based capital ratio | 11.4896% | 5,380 |
| Total risk-based capital ratio | 12.5518% | 5,390 |
| Memoranda: | ||
| Average total assets | $99,964,250 | 4,508 |
| Average earning assets | $87,843,500 | 4,592 |
| Average equity | $9,015,250 | 4,898 |
| Average total loans | $67,260,750 | 4,197 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8307% | 840 |
| Cost of funding earning assets | 0.6862% | 904 |
| Net interest margin | 4.1445% | 1,239 |
| Noninterest income to average assets | 0.4959% | 3,405 |
| Noninterest expense to average assets | 3.6789% | 1,014 |
| Loan and lease loss provision to assets | 0.1087% | 2,016 |
| Net operating income to assets | 0.2903% | 5,467 |
| Return on assets (ROA) | 0.3379% | 5,441 |
| Pretax return on assets | 0.4050% | 5,455 |
| Return on Equity (ROE) | 3.7986% | 5,098 |
| Retained earnings to average equity (ytd only) | -0.3332% | 5,574 |
| Net charge-offs to loans | 0.0746% | 2,327 |
| Credit loss provision to net charge-offs | 220.0000% | 1,140 |
| Earnings coverage of net charge-offs (x) | 9.2400% | 2,474 |
| Efficiency ratio | 88.9632% | 829 |
| Assets per employee ($millions) | 3.0968% | 5,475 |
| Cash dividends to net income (ytd only)* | 108.7719% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 3,850 |
| Loan loss allowance to noncurrent loans | 52.8736% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 4.1010% | 317 |
| Noncurrent loans to loans | 2.2495% | 1,057 |
| Net loans and leases to total assets | 67.6719% | 2,691 |
| Net loans and leases to deposits | 77.8854% | 3,047 |
| Net loans and leases to core deposits | 86.2932% | 2,736 |
| Total domestic deposits to total assets | 86.8865% | 2,228 |
| Equity capital to assets | 9.3458% | 4,842 |
| Core capital (leverage) ratio | 8.6157% | 5,421 |
| Tier 1 risk-based capital ratio | 11.5228% | 5,445 |
| Total risk-based capital ratio | 12.5908% | 5,477 |
| Memoranda: | ||
| Average total assets | $101,226,330 | 4,528 |
| Average earning assets | $88,889,670 | 4,620 |
| Average equity | $9,003,330 | 4,942 |
| Average total loans | $67,023,330 | 4,240 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7778% | 896 |
| Cost of funding earning assets | 0.6769% | 967 |
| Net interest margin | 4.1009% | 1,275 |
| Noninterest income to average assets | 0.4777% | 3,445 |
| Noninterest expense to average assets | 3.5516% | 1,210 |
| Loan and lease loss provision to assets | 0.1156% | 1,787 |
| Net operating income to assets | 0.3145% | 5,362 |
| Return on assets (ROA) | 0.3505% | 5,364 |
| Pretax return on assets | 0.4507% | 5,317 |
| Return on Equity (ROE) | 4.0359% | 4,965 |
| Retained earnings to average equity (ytd only) | -0.2218% | 5,416 |
| Net charge-offs to loans | 0.1301% | 1,475 |
| Credit loss provision to net charge-offs | 136.3636% | 1,331 |
| Earnings coverage of net charge-offs (x) | 6.1364% | 2,324 |
| Efficiency ratio | 87.2280% | 1,081 |
| Assets per employee ($millions) | 3.0515% | 5,603 |
| Cash dividends to net income (ytd only)* | 105.4945% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 4,294 |
| Loan loss allowance to noncurrent loans | 47.9193% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 4.1445% | 357 |
| Noncurrent loans to loans | 2.3867% | 1,030 |
| Net loans and leases to total assets | 67.2743% | 2,564 |
| Net loans and leases to deposits | 77.2620% | 2,917 |
| Net loans and leases to core deposits | 88.9786% | 2,224 |
| Total domestic deposits to total assets | 87.0730% | 2,331 |
| Equity capital to assets | 9.2495% | 5,028 |
| Core capital (leverage) ratio | 8.5575% | 5,466 |
| Tier 1 risk-based capital ratio | 11.3344% | 5,641 |
| Total risk-based capital ratio | 12.3285% | 5,689 |
| Memoranda: | ||
| Average total assets | $103,839,500 | 4,503 |
| Average earning assets | $91,004,500 | 4,618 |
| Average equity | $9,019,000 | 4,986 |
| Average total loans | $67,661,500 | 4,242 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9170% | 900 |
| Cost of funding earning assets | 0.7119% | 1,039 |
| Net interest margin | 4.2050% | 1,283 |
| Noninterest income to average assets | 0.4776% | 3,664 |
| Noninterest expense to average assets | 3.6544% | 1,216 |
| Loan and lease loss provision to assets | 0.1470% | 1,794 |
| Net operating income to assets | 0.2522% | 5,653 |
| Return on assets (ROA) | 0.3079% | 5,572 |
| Pretax return on assets | 0.3691% | 5,560 |
| Return on Equity (ROE) | 3.4985% | 5,294 |
| Retained earnings to average equity (ytd only) | 0.2691% | 5,657 |
| Net charge-offs to loans | 0.2369% | 1,784 |
| Credit loss provision to net charge-offs | 95.5128% | 2,523 |
| Earnings coverage of net charge-offs (x) | 2.9167% | 4,029 |
| Efficiency ratio | 89.0572% | 908 |
| Assets per employee ($millions) | 3.3343% | 5,213 |
| Cash dividends to net income (ytd only)* | 92.3077% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0919% | 4,577 |
| Loan loss allowance to noncurrent loans | 54.8905% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 3.7835% | 465 |
| Noncurrent loans to loans | 1.9892% | 1,399 |
| Net loans and leases to total assets | 61.9089% | 3,511 |
| Net loans and leases to deposits | 69.9051% | 3,924 |
| Net loans and leases to core deposits | 79.1171% | 3,397 |
| Total domestic deposits to total assets | 88.5614% | 1,487 |
| Equity capital to assets | 8.1850% | 5,971 |
| Core capital (leverage) ratio | 8.6121% | 5,432 |
| Tier 1 risk-based capital ratio | 12.0385% | 5,338 |
| Total risk-based capital ratio | 13.0882% | 5,377 |
| Memoranda: | ||
| Average total assets | $101,329,600 | 4,571 |
| Average earning assets | $87,371,200 | 4,710 |
| Average equity | $8,918,000 | 4,993 |
| Average total loans | $65,862,000 | 4,300 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0441% | 714 |
| Cost of funding earning assets | 0.7244% | 1,020 |
| Net interest margin | 4.3197% | 1,010 |
| Noninterest income to average assets | 0.4881% | 3,628 |
| Noninterest expense to average assets | 3.7368% | 1,068 |
| Loan and lease loss provision to assets | 0.1681% | 1,471 |
| Net operating income to assets | 0.2321% | 5,774 |
| Return on assets (ROA) | 0.3052% | 5,639 |
| Pretax return on assets | 0.3792% | 5,625 |
| Return on Equity (ROE) | 3.4022% | 5,392 |
| Retained earnings to average equity (ytd only) | 0.5246% | 5,655 |
| Net charge-offs to loans | 0.3338% | 1,201 |
| Credit loss provision to net charge-offs | 76.6871% | 2,659 |
| Earnings coverage of net charge-offs (x) | 2.0797% | 3,995 |
| Efficiency ratio | 89.1276% | 916 |
| Assets per employee ($millions) | 2.8982% | 5,853 |
| Cash dividends to net income (ytd only)* | 84.5801% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 4,823 |
| Loan loss allowance to noncurrent loans | 57.7262% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 5.8647% | 241 |
| Noncurrent loans to loans | 1.8784% | 1,702 |
| Net loans and leases to total assets | 68.7704% | 2,421 |
| Net loans and leases to deposits | 79.3103% | 2,800 |
| Net loans and leases to core deposits | 91.6249% | 2,065 |
| Total domestic deposits to total assets | 86.7106% | 2,474 |
| Equity capital to assets | 9.3883% | 4,939 |
| Core capital (leverage) ratio | 8.9640% | 5,117 |
| Tier 1 risk-based capital ratio | 12.1759% | 5,384 |
| Total risk-based capital ratio | 13.1896% | 5,447 |
| Memoranda: | ||
| Average total assets | $99,154,250 | 4,663 |
| Average earning assets | $85,034,000 | 4,811 |
| Average equity | $8,896,000 | 5,036 |
| Average total loans | $65,109,750 | 4,367 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9916% | 764 |
| Cost of funding earning assets | 0.7210% | 1,079 |
| Net interest margin | 4.2705% | 1,091 |
| Noninterest income to average assets | 0.4645% | 3,753 |
| Noninterest expense to average assets | 3.7199% | 1,101 |
| Loan and lease loss provision to assets | 0.0498% | 3,305 |
| Net operating income to assets | 0.2881% | 5,613 |
| Return on assets (ROA) | 0.3269% | 5,547 |
| Pretax return on assets | 0.4166% | 5,508 |
| Return on Equity (ROE) | 3.6986% | 5,267 |
| Retained earnings to average equity (ytd only) | -0.6315% | 5,800 |
| Net charge-offs to loans | 0.3279% | 1,246 |
| Credit loss provision to net charge-offs | 23.5849% | 3,141 |
| Earnings coverage of net charge-offs (x) | 1.9717% | 3,681 |
| Efficiency ratio | 89.9277% | 922 |
| Assets per employee ($millions) | 2.9310% | 5,855 |
| Cash dividends to net income (ytd only)* | 117.0732% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 5,165 |
| Loan loss allowance to noncurrent loans | 345.9184% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 4.3734% | 450 |
| Noncurrent loans to loans | 0.2999% | 5,119 |
| Net loans and leases to total assets | 66.8741% | 2,603 |
| Net loans and leases to deposits | 76.8816% | 2,944 |
| Net loans and leases to core deposits | 86.2875% | 2,484 |
| Total domestic deposits to total assets | 86.9833% | 2,462 |
| Equity capital to assets | 9.2368% | 5,059 |
| Core capital (leverage) ratio | 8.8901% | 5,176 |
| Tier 1 risk-based capital ratio | 12.2190% | 5,408 |
| Total risk-based capital ratio | 13.1806% | 5,504 |
| Memoranda: | ||
| Average total assets | $100,325,670 | 4,676 |
| Average earning assets | $86,265,670 | 4,821 |
| Average equity | $8,868,330 | 5,063 |
| Average total loans | $64,648,670 | 4,403 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9487% | 790 |
| Cost of funding earning assets | 0.7115% | 1,177 |
| Net interest margin | 4.2372% | 1,124 |
| Noninterest income to average assets | 0.4661% | 3,665 |
| Noninterest expense to average assets | 3.7287% | 1,087 |
| Loan and lease loss provision to assets | 0.0783% | 2,581 |
| Net operating income to assets | 0.2486% | 5,668 |
| Return on assets (ROA) | 0.2585% | 5,677 |
| Pretax return on assets | 0.3094% | 5,695 |
| Return on Equity (ROE) | 2.9879% | 5,464 |
| Retained earnings to average equity (ytd only) | -1.3582% | 5,777 |
| Net charge-offs to loans | 0.0249% | 3,070 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,196 |
| Efficiency ratio | 90.8397% | 963 |
| Assets per employee ($millions) | 2.6391% | 6,256 |
| Cash dividends to net income (ytd only)* | 145.4545% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 4,623 |
| Loan loss allowance to noncurrent loans | 181.0748% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 4.7642% | 447 |
| Noncurrent loans to loans | 0.6645% | 4,204 |
| Net loans and leases to total assets | 65.1657% | 2,703 |
| Net loans and leases to deposits | 74.7088% | 2,991 |
| Net loans and leases to core deposits | 83.3401% | 2,596 |
| Total domestic deposits to total assets | 87.2262% | 2,683 |
| Equity capital to assets | 9.0931% | 5,008 |
| Core capital (leverage) ratio | 8.6766% | 5,418 |
| Tier 1 risk-based capital ratio | 12.3690% | 5,396 |
| Total risk-based capital ratio | 13.4862% | 5,416 |
| Memoranda: | ||
| Average total assets | $102,127,500 | 4,685 |
| Average earning assets | $87,699,000 | 4,832 |
| Average equity | $8,835,500 | 5,097 |
| Average total loans | $64,293,000 | 4,450 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1274% | 735 |
| Cost of funding earning assets | 0.8810% | 815 |
| Net interest margin | 4.2463% | 1,230 |
| Noninterest income to average assets | 0.5672% | 3,286 |
| Noninterest expense to average assets | 3.6631% | 1,347 |
| Loan and lease loss provision to assets | 0.0995% | 3,143 |
| Net operating income to assets | 0.3413% | 5,373 |
| Return on assets (ROA) | 0.3971% | 5,269 |
| Pretax return on assets | 0.4956% | 5,217 |
| Return on Equity (ROE) | 4.4731% | 4,906 |
| Retained earnings to average equity (ytd only) | 1.5807% | 5,095 |
| Net charge-offs to loans | 0.2154% | 2,736 |
| Credit loss provision to net charge-offs | 72.9927% | 3,225 |
| Earnings coverage of net charge-offs (x) | 3.8540% | 3,736 |
| Efficiency ratio | 87.4555% | 1,274 |
| Assets per employee ($millions) | 2.8814% | 6,004 |
| Cash dividends to net income (ytd only)* | 64.6617% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 4,744 |
| Loan loss allowance to noncurrent loans | 237.9310% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 4.3720% | 584 |
| Noncurrent loans to loans | 0.4970% | 4,754 |
| Net loans and leases to total assets | 59.4888% | 3,797 |
| Net loans and leases to deposits | 67.2988% | 4,145 |
| Net loans and leases to core deposits | 75.4796% | 3,666 |
| Total domestic deposits to total assets | 88.3951% | 1,951 |
| Equity capital to assets | 8.2469% | 5,825 |
| Core capital (leverage) ratio | 8.6576% | 5,467 |
| Tier 1 risk-based capital ratio | 11.7549% | 5,773 |
| Total risk-based capital ratio | 12.8115% | 5,816 |
| Memoranda: | ||
| Average total assets | $100,488,800 | 4,728 |
| Average earning assets | $85,697,200 | 4,890 |
| Average equity | $8,920,000 | 5,103 |
| Average total loans | $63,595,600 | 4,496 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1952% | 654 |
| Cost of funding earning assets | 0.9284% | 713 |
| Net interest margin | 4.2667% | 1,169 |
| Noninterest income to average assets | 0.5484% | 3,472 |
| Noninterest expense to average assets | 3.6755% | 1,281 |
| Loan and lease loss provision to assets | 0.0943% | 3,190 |
| Net operating income to assets | 0.3185% | 5,549 |
| Return on assets (ROA) | 0.3921% | 5,412 |
| Pretax return on assets | 0.5012% | 5,354 |
| Return on Equity (ROE) | 4.3341% | 5,060 |
| Retained earnings to average equity (ytd only) | 1.7426% | 5,268 |
| Net charge-offs to loans | 0.2185% | 2,517 |
| Credit loss provision to net charge-offs | 67.3077% | 3,121 |
| Earnings coverage of net charge-offs (x) | 3.5770% | 3,663 |
| Efficiency ratio | 88.0000% | 1,178 |
| Assets per employee ($millions) | 2.6145% | 6,370 |
| Cash dividends to net income (ytd only)* | 59.7928% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 4,862 |
| Loan loss allowance to noncurrent loans | 172.3982% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 4.7913% | 606 |
| Noncurrent loans to loans | 0.6960% | 4,461 |
| Net loans and leases to total assets | 64.8583% | 2,835 |
| Net loans and leases to deposits | 74.3997% | 3,175 |
| Net loans and leases to core deposits | 84.7064% | 2,574 |
| Total domestic deposits to total assets | 87.1755% | 2,584 |
| Equity capital to assets | 9.0472% | 5,130 |
| Core capital (leverage) ratio | 8.8056% | 5,406 |
| Tier 1 risk-based capital ratio | 11.7890% | 5,910 |
| Total risk-based capital ratio | 12.8592% | 5,969 |
| Memoranda: | ||
| Average total assets | $98,958,500 | 4,809 |
| Average earning assets | $84,153,250 | 4,971 |
| Average equity | $8,952,000 | 5,148 |
| Average total loans | $63,449,500 | 4,544 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1741% | 665 |
| Cost of funding earning assets | 0.9758% | 614 |
| Net interest margin | 4.1983% | 1,278 |
| Noninterest income to average assets | 0.6038% | 3,165 |
| Noninterest expense to average assets | 3.5487% | 1,506 |
| Loan and lease loss provision to assets | 0.1003% | 3,117 |
| Net operating income to assets | 0.3876% | 5,260 |
| Return on assets (ROA) | 0.4915% | 5,012 |
| Pretax return on assets | 0.6600% | 4,814 |
| Return on Equity (ROE) | 5.4332% | 4,501 |
| Retained earnings to average equity (ytd only) | 3.4373% | 4,133 |
| Net charge-offs to loans | 0.1734% | 2,734 |
| Credit loss provision to net charge-offs | 90.9091% | 2,418 |
| Earnings coverage of net charge-offs (x) | 5.6182% | 2,856 |
| Efficiency ratio | 85.1299% | 1,511 |
| Assets per employee ($millions) | 2.6553% | 6,342 |
| Cash dividends to net income (ytd only)* | 36.7347% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 4,601 |
| Loan loss allowance to noncurrent loans | 205.4545% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 5.8814% | 469 |
| Noncurrent loans to loans | 0.6233% | 4,694 |
| Net loans and leases to total assets | 63.7919% | 2,947 |
| Net loans and leases to deposits | 73.4259% | 3,234 |
| Net loans and leases to core deposits | 84.8012% | 2,448 |
| Total domestic deposits to total assets | 86.8792% | 2,895 |
| Equity capital to assets | 9.3243% | 4,825 |
| Core capital (leverage) ratio | 8.8916% | 5,161 |
| Tier 1 risk-based capital ratio | 11.9193% | 5,840 |
| Total risk-based capital ratio | 13.0285% | 5,882 |
| Memoranda: | ||
| Average total assets | $99,699,000 | 4,828 |
| Average earning assets | $84,652,670 | 4,994 |
| Average equity | $9,018,670 | 5,164 |
| Average total loans | $63,431,330 | 4,560 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0508% | 821 |
| Cost of funding earning assets | 0.9889% | 652 |
| Net interest margin | 4.0619% | 1,584 |
| Noninterest income to average assets | 0.4796% | 3,926 |
| Noninterest expense to average assets | 3.3335% | 2,001 |
| Loan and lease loss provision to assets | 0.1179% | 2,760 |
| Net operating income to assets | 0.3734% | 5,242 |
| Return on assets (ROA) | 0.3734% | 5,377 |
| Pretax return on assets | 0.4835% | 5,309 |
| Return on Equity (ROE) | 4.1889% | 5,000 |
| Retained earnings to average equity (ytd only) | 2.8661% | 4,562 |
| Net charge-offs to loans | 0.0560% | 3,265 |
| Credit loss provision to net charge-offs | 333.3333% | 725 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,340 |
| Efficiency ratio | 84.7153% | 1,677 |
| Assets per employee ($millions) | 2.4770% | 6,604 |
| Cash dividends to net income (ytd only)* | 31.5789% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 4,810 |
| Loan loss allowance to noncurrent loans | 54.4667% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 6.2814% | 494 |
| Noncurrent loans to loans | 2.3449% | 2,226 |
| Net loans and leases to total assets | 65.3727% | 2,486 |
| Net loans and leases to deposits | 75.3056% | 2,732 |
| Net loans and leases to core deposits | 86.9539% | 2,018 |
| Total domestic deposits to total assets | 86.8099% | 3,074 |
| Equity capital to assets | 9.4159% | 4,980 |
| Core capital (leverage) ratio | 8.6803% | 5,356 |
| Tier 1 risk-based capital ratio | 11.8513% | 5,996 |
| Total risk-based capital ratio | 12.9877% | 6,044 |
| Memoranda: | ||
| Average total assets | $101,754,000 | 4,818 |
| Average earning assets | $86,560,500 | 4,973 |
| Average equity | $9,071,500 | 5,209 |
| Average total loans | $64,262,500 | 4,557 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4281% | 721 |
| Cost of funding earning assets | 1.0924% | 936 |
| Net interest margin | 4.3357% | 1,315 |
| Noninterest income to average assets | 0.3967% | 4,638 |
| Noninterest expense to average assets | 3.4751% | 1,884 |
| Loan and lease loss provision to assets | 0.9957% | 424 |
| Net operating income to assets | -0.1468% | 6,339 |
| Return on assets (ROA) | -0.1468% | 6,418 |
| Pretax return on assets | -0.3189% | 6,489 |
| Return on Equity (ROE) | -1.6494% | 6,431 |
| Retained earnings to average equity (ytd only) | -3.2879% | 6,286 |
| Net charge-offs to loans | 3.2937% | 129 |
| Credit loss provision to net charge-offs | 46.2511% | 4,777 |
| Earnings coverage of net charge-offs (x) | 0.3144% | 5,322 |
| Efficiency ratio | 83.5597% | 1,681 |
| Assets per employee ($millions) | 3.1443% | 5,750 |
| Cash dividends to net income (ytd only)* | -99.3377% | 7,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 4,966 |
| Loan loss allowance to noncurrent loans | 153.6680% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 5.0559% | 760 |
| Noncurrent loans to loans | 0.8024% | 4,584 |
| Net loans and leases to total assets | 59.6417% | 3,664 |
| Net loans and leases to deposits | 67.6506% | 4,037 |
| Net loans and leases to core deposits | 76.7010% | 3,438 |
| Total domestic deposits to total assets | 88.1615% | 2,123 |
| Equity capital to assets | 8.4627% | 6,077 |
| Core capital (leverage) ratio | 8.5110% | 5,591 |
| Tier 1 risk-based capital ratio | 11.5457% | 6,065 |
| Total risk-based capital ratio | 12.6375% | 6,141 |
| Memoranda: | ||
| Average total assets | $102,844,800 | 4,762 |
| Average earning assets | $89,073,600 | 4,894 |
| Average equity | $9,154,800 | 5,186 |
| Average total loans | $67,218,600 | 4,450 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5471% | 622 |
| Cost of funding earning assets | 1.1244% | 963 |
| Net interest margin | 4.4227% | 1,156 |
| Noninterest income to average assets | 0.3863% | 4,738 |
| Noninterest expense to average assets | 3.4331% | 1,924 |
| Loan and lease loss provision to assets | 1.3408% | 257 |
| Net operating income to assets | -0.3011% | 6,571 |
| Return on assets (ROA) | -0.3011% | 6,629 |
| Pretax return on assets | -0.5303% | 6,715 |
| Return on Equity (ROE) | -3.3399% | 6,640 |
| Retained earnings to average equity (ytd only) | -3.7755% | 6,535 |
| Net charge-offs to loans | 4.0440% | 82 |
| Credit loss provision to net charge-offs | 49.7329% | 4,415 |
| Earnings coverage of net charge-offs (x) | 0.3006% | 5,175 |
| Efficiency ratio | 80.9010% | 1,954 |
| Assets per employee ($millions) | 2.9839% | 6,077 |
| Cash dividends to net income (ytd only)* | -13.0438% | 7,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4646% | 4,091 |
| Loan loss allowance to noncurrent loans | 79.0524% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 5.8435% | 702 |
| Noncurrent loans to loans | 1.8527% | 3,012 |
| Net loans and leases to total assets | 64.9775% | 2,845 |
| Net loans and leases to deposits | 75.4879% | 3,064 |
| Net loans and leases to core deposits | 88.9590% | 2,109 |
| Total domestic deposits to total assets | 86.0767% | 3,209 |
| Equity capital to assets | 9.2233% | 5,568 |
| Core capital (leverage) ratio | 8.5860% | 5,641 |
| Tier 1 risk-based capital ratio | 11.6357% | 6,155 |
| Total risk-based capital ratio | 12.8846% | 6,124 |
| Memoranda: | ||
| Average total assets | $101,829,750 | 4,830 |
| Average earning assets | $88,812,750 | 4,946 |
| Average equity | $9,181,750 | 5,223 |
| Average total loans | $67,884,250 | 4,471 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5256% | 682 |
| Cost of funding earning assets | 1.1042% | 1,204 |
| Net interest margin | 4.4214% | 1,148 |
| Noninterest income to average assets | 0.4177% | 4,522 |
| Noninterest expense to average assets | 3.4211% | 1,979 |
| Loan and lease loss provision to assets | 1.9893% | 146 |
| Net operating income to assets | -0.6741% | 6,812 |
| Return on assets (ROA) | -0.6741% | 6,845 |
| Pretax return on assets | -1.1112% | 6,925 |
| Return on Equity (ROE) | -7.5312% | 6,850 |
| Retained earnings to average equity (ytd only) | -7.5312% | 6,745 |
| Net charge-offs to loans | 6.0260% | 34 |
| Credit loss provision to net charge-offs | 49.3494% | 4,053 |
| Earnings coverage of net charge-offs (x) | 0.2178% | 4,962 |
| Efficiency ratio | 79.5752% | 2,257 |
| Assets per employee ($millions) | 3.0895% | 5,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 4,379 |
| Loan loss allowance to noncurrent loans | 86.0166% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 3.9954% | 1,277 |
| Noncurrent loans to loans | 1.6519% | 3,424 |
| Net loans and leases to total assets | 65.6134% | 2,749 |
| Net loans and leases to deposits | 76.0754% | 2,981 |
| Net loans and leases to core deposits | 89.3831% | 2,045 |
| Total domestic deposits to total assets | 86.2478% | 3,223 |
| Equity capital to assets | 9.0973% | 5,585 |
| Core capital (leverage) ratio | 8.3058% | 5,901 |
| Tier 1 risk-based capital ratio | 11.4859% | 6,225 |
| Total risk-based capital ratio | 12.7362% | 6,201 |
| Memoranda: | ||
| Average total assets | $102,950,330 | 4,829 |
| Average earning assets | $90,378,670 | 4,917 |
| Average equity | $9,215,000 | 5,221 |
| Average total loans | $68,868,000 | 4,455 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4645% | 801 |
| Cost of funding earning assets | 1.1415% | 1,207 |
| Net interest margin | 4.3230% | 1,396 |
| Noninterest income to average assets | 0.4229% | 4,499 |
| Noninterest expense to average assets | 3.4364% | 1,922 |
| Loan and lease loss provision to assets | 0.1181% | 3,870 |
| Net operating income to assets | 0.4648% | 4,979 |
| Return on assets (ROA) | 0.4648% | 5,176 |
| Pretax return on assets | 0.6629% | 4,903 |
| Return on Equity (ROE) | 5.2330% | 4,675 |
| Retained earnings to average equity (ytd only) | 5.2330% | 3,411 |
| Net charge-offs to loans | -0.0227% | 6,224 |
| Credit loss provision to net charge-offs | -775.0000% | 5,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4815% | 2,007 |
| Assets per employee ($millions) | 2.9871% | 6,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8892% | 920 |
| Loan loss allowance to noncurrent loans | 117.4317% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 4.3610% | 1,237 |
| Noncurrent loans to loans | 2.4603% | 2,649 |
| Net loans and leases to total assets | 66.8866% | 2,316 |
| Net loans and leases to deposits | 79.3927% | 2,287 |
| Net loans and leases to core deposits | 93.4015% | 1,512 |
| Total domestic deposits to total assets | 84.2477% | 4,379 |
| Equity capital to assets | 9.2497% | 5,156 |
| Core capital (leverage) ratio | 8.7085% | 5,279 |
| Tier 1 risk-based capital ratio | 12.1757% | 5,844 |
| Total risk-based capital ratio | 13.4427% | 5,804 |
| Memoranda: | ||
| Average total assets | $104,993,500 | 4,808 |
| Average earning assets | $92,158,500 | 4,900 |
| Average equity | $9,325,500 | 5,209 |
| Average total loans | $70,400,500 | 4,435 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7517% | 703 |
| Cost of funding earning assets | 1.3408% | 1,289 |
| Net interest margin | 4.4109% | 1,373 |
| Noninterest income to average assets | 0.4131% | 4,506 |
| Noninterest expense to average assets | 3.4409% | 2,137 |
| Loan and lease loss provision to assets | 0.8597% | 1,128 |
| Net operating income to assets | -0.0481% | 6,103 |
| Return on assets (ROA) | 0.1383% | 5,901 |
| Pretax return on assets | 0.1402% | 5,902 |
| Return on Equity (ROE) | 1.5804% | 5,819 |
| Retained earnings to average equity (ytd only) | 1.5804% | 5,085 |
| Net charge-offs to loans | -0.1571% | 7,190 |
| Credit loss provision to net charge-offs | -792.0354% | 6,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9126% | 2,173 |
| Assets per employee ($millions) | 3.0979% | 5,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8031% | 976 |
| Loan loss allowance to noncurrent loans | 92.4581% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 4.7258% | 1,153 |
| Noncurrent loans to loans | 3.0318% | 2,143 |
| Net loans and leases to total assets | 63.5119% | 3,289 |
| Net loans and leases to deposits | 74.3945% | 3,438 |
| Net loans and leases to core deposits | 86.3455% | 2,591 |
| Total domestic deposits to total assets | 85.3717% | 3,656 |
| Equity capital to assets | 8.5375% | 6,096 |
| Core capital (leverage) ratio | 8.7322% | 5,202 |
| Tier 1 risk-based capital ratio | 11.4822% | 6,168 |
| Total risk-based capital ratio | 12.7473% | 6,149 |
| Memoranda: | ||
| Average total assets | $104,101,200 | 4,790 |
| Average earning assets | $90,616,000 | 4,912 |
| Average equity | $9,111,400 | 5,250 |
| Average total loans | $71,906,200 | 4,414 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8447% | 638 |
| Cost of funding earning assets | 1.3934% | 1,259 |
| Net interest margin | 4.4512% | 1,275 |
| Noninterest income to average assets | 0.4090% | 4,603 |
| Noninterest expense to average assets | 3.4814% | 1,987 |
| Loan and lease loss provision to assets | 1.1156% | 728 |
| Net operating income to assets | -0.1694% | 6,351 |
| Return on assets (ROA) | -0.0932% | 6,362 |
| Pretax return on assets | -0.1993% | 6,411 |
| Return on Equity (ROE) | -1.0579% | 6,389 |
| Retained earnings to average equity (ytd only) | -1.0579% | 6,165 |
| Net charge-offs to loans | -0.2198% | 7,273 |
| Credit loss provision to net charge-offs | -724.3697% | 6,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3672% | 2,063 |
| Assets per employee ($millions) | 2.8303% | 6,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7832% | 1,048 |
| Loan loss allowance to noncurrent loans | 93.2413% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 4.9446% | 1,170 |
| Noncurrent loans to loans | 2.9849% | 2,321 |
| Net loans and leases to total assets | 67.1594% | 2,640 |
| Net loans and leases to deposits | 81.3244% | 2,481 |
| Net loans and leases to core deposits | 95.0825% | 1,691 |
| Total domestic deposits to total assets | 82.5820% | 4,845 |
| Equity capital to assets | 8.9539% | 5,803 |
| Core capital (leverage) ratio | 8.3741% | 5,889 |
| Tier 1 risk-based capital ratio | 11.5780% | 6,190 |
| Total risk-based capital ratio | 12.8454% | 6,165 |
| Memoranda: | ||
| Average total assets | $103,019,750 | 4,844 |
| Average earning assets | $89,561,000 | 4,965 |
| Average equity | $9,075,000 | 5,286 |
| Average total loans | $72,170,250 | 4,444 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8785% | 608 |
| Cost of funding earning assets | 1.4074% | 1,388 |
| Net interest margin | 4.4711% | 1,201 |
| Noninterest income to average assets | 0.4352% | 4,384 |
| Noninterest expense to average assets | 3.5359% | 1,894 |
| Loan and lease loss provision to assets | 0.8124% | 1,131 |
| Net operating income to assets | 0.0251% | 6,178 |
| Return on assets (ROA) | 0.0251% | 6,258 |
| Pretax return on assets | -0.0232% | 6,285 |
| Return on Equity (ROE) | 0.2870% | 6,246 |
| Retained earnings to average equity (ytd only) | 0.2870% | 5,724 |
| Net charge-offs to loans | -0.3930% | 7,373 |
| Credit loss provision to net charge-offs | -293.7063% | 6,430 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7531% | 2,136 |
| Assets per employee ($millions) | 3.1293% | 5,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1523% | 2,008 |
| Loan loss allowance to noncurrent loans | 80.6806% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 4.7402% | 1,309 |
| Noncurrent loans to loans | 2.6676% | 2,732 |
| Net loans and leases to total assets | 67.8423% | 2,650 |
| Net loans and leases to deposits | 82.9550% | 2,286 |
| Net loans and leases to core deposits | 103.3624% | 1,084 |
| Total domestic deposits to total assets | 81.7820% | 5,243 |
| Equity capital to assets | 8.9003% | 5,706 |
| Core capital (leverage) ratio | 8.4548% | 5,623 |
| Tier 1 risk-based capital ratio | 11.3141% | 6,310 |
| Total risk-based capital ratio | 12.5807% | 6,288 |
| Memoranda: | ||
| Average total assets | $103,396,670 | 4,874 |
| Average earning assets | $89,955,670 | 4,994 |
| Average equity | $9,059,000 | 5,306 |
| Average total loans | $72,764,670 | 4,476 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6540% | 968 |
| Cost of funding earning assets | 1.4313% | 1,460 |
| Net interest margin | 4.2227% | 1,829 |
| Noninterest income to average assets | 0.2281% | 6,093 |
| Noninterest expense to average assets | 3.5221% | 1,946 |
| Loan and lease loss provision to assets | 1.4575% | 448 |
| Net operating income to assets | -0.6418% | 6,891 |
| Return on assets (ROA) | -0.6418% | 6,895 |
| Pretax return on assets | -1.0903% | 7,022 |
| Return on Equity (ROE) | -7.3835% | 6,934 |
| Retained earnings to average equity (ytd only) | -7.3835% | 6,703 |
| Net charge-offs to loans | -0.0055% | 6,251 |
| Credit loss provision to net charge-offs | -37,700.0000% | 6,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5567% | 1,285 |
| Assets per employee ($millions) | 3.1014% | 5,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8668% | 2,798 |
| Loan loss allowance to noncurrent loans | 80.3318% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 5.4130% | 1,128 |
| Noncurrent loans to loans | 2.3239% | 3,164 |
| Net loans and leases to total assets | 69.6481% | 2,192 |
| Net loans and leases to deposits | 86.0842% | 1,719 |
| Net loans and leases to core deposits | 123.0124% | 365 |
| Total domestic deposits to total assets | 80.9069% | 5,692 |
| Equity capital to assets | 8.7234% | 5,620 |
| Core capital (leverage) ratio | 8.2607% | 5,883 |
| Tier 1 risk-based capital ratio | 10.8794% | 6,587 |
| Total risk-based capital ratio | 12.1325% | 6,563 |
| Memoranda: | ||
| Average total assets | $103,462,000 | 4,905 |
| Average earning assets | $89,706,500 | 5,037 |
| Average equity | $8,993,000 | 5,332 |
| Average total loans | $73,347,500 | 4,493 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9024% | 1,040 |
| Cost of funding earning assets | 1.6194% | 1,956 |
| Net interest margin | 4.2830% | 1,885 |
| Noninterest income to average assets | 0.5446% | 3,853 |
| Noninterest expense to average assets | 3.3863% | 2,472 |
| Loan and lease loss provision to assets | 1.4726% | 1,012 |
| Net operating income to assets | -0.2995% | 6,213 |
| Return on assets (ROA) | -0.2989% | 6,255 |
| Pretax return on assets | -0.5617% | 6,365 |
| Return on Equity (ROE) | -3.3556% | 6,308 |
| Retained earnings to average equity (ytd only) | -5.3051% | 6,333 |
| Net charge-offs to loans | 2.1450% | 913 |
| Credit loss provision to net charge-offs | 98.1037% | 4,720 |
| Earnings coverage of net charge-offs (x) | 0.6062% | 5,499 |
| Efficiency ratio | 78.8207% | 2,558 |
| Assets per employee ($millions) | 2.9049% | 6,312 |
| Cash dividends to net income (ytd only)* | -58.0952% | 7,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3206% | 4,897 |
| Loan loss allowance to noncurrent loans | 29.3165% | 6,334 |
| Noncurrent assets plus other real estate owned to assets | 5.0642% | 1,259 |
| Noncurrent loans to loans | 4.5046% | 1,572 |
| Net loans and leases to total assets | 69.8799% | 2,558 |
| Net loans and leases to deposits | 86.1019% | 2,077 |
| Net loans and leases to core deposits | 116.9376% | 608 |
| Total domestic deposits to total assets | 81.1595% | 5,471 |
| Equity capital to assets | 8.6615% | 5,638 |
| Core capital (leverage) ratio | 8.3164% | 5,666 |
| Tier 1 risk-based capital ratio | 11.0750% | 6,274 |
| Total risk-based capital ratio | 12.3129% | 6,252 |
| Memoranda: | ||
| Average total assets | $105,394,400 | 4,841 |
| Average earning assets | $92,319,000 | 4,933 |
| Average equity | $9,387,200 | 5,302 |
| Average total loans | $73,753,400 | 4,536 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8697% | 1,206 |
| Cost of funding earning assets | 1.6456% | 2,130 |
| Net interest margin | 4.2241% | 2,130 |
| Noninterest income to average assets | 0.5404% | 3,860 |
| Noninterest expense to average assets | 3.3421% | 2,449 |
| Loan and lease loss provision to assets | 1.0669% | 1,376 |
| Net operating income to assets | -0.0576% | 6,114 |
| Return on assets (ROA) | -0.0568% | 6,222 |
| Pretax return on assets | -0.1629% | 6,286 |
| Return on Equity (ROE) | -0.6336% | 6,239 |
| Retained earnings to average equity (ytd only) | -3.2102% | 6,380 |
| Net charge-offs to loans | 0.1393% | 5,189 |
| Credit loss provision to net charge-offs | 1,097.4026% | 271 |
| Earnings coverage of net charge-offs (x) | 9.2861% | 2,045 |
| Efficiency ratio | 78.7329% | 2,527 |
| Assets per employee ($millions) | 2.9162% | 6,332 |
| Cash dividends to net income (ytd only)* | -406.6500% | 7,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2966% | 1,631 |
| Loan loss allowance to noncurrent loans | 36.8083% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 6.4640% | 885 |
| Noncurrent loans to loans | 6.2394% | 973 |
| Net loans and leases to total assets | 71.9695% | 2,256 |
| Net loans and leases to deposits | 89.0464% | 1,849 |
| Net loans and leases to core deposits | 120.0391% | 609 |
| Total domestic deposits to total assets | 80.8224% | 5,444 |
| Equity capital to assets | 8.9968% | 5,588 |
| Core capital (leverage) ratio | 8.5630% | 5,399 |
| Tier 1 risk-based capital ratio | 11.0890% | 6,297 |
| Total risk-based capital ratio | 12.3356% | 6,294 |
| Memoranda: | ||
| Average total assets | $105,598,500 | 4,894 |
| Average earning assets | $92,609,000 | 4,990 |
| Average equity | $9,469,500 | 5,354 |
| Average total loans | $73,677,500 | 4,614 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9292% | 1,110 |
| Cost of funding earning assets | 1.6598% | 2,332 |
| Net interest margin | 4.2694% | 1,893 |
| Noninterest income to average assets | 0.3478% | 5,372 |
| Noninterest expense to average assets | 3.3042% | 2,548 |
| Loan and lease loss provision to assets | 0.1361% | 5,528 |
| Net operating income to assets | 0.4688% | 4,468 |
| Return on assets (ROA) | 0.4688% | 4,630 |
| Pretax return on assets | 0.6465% | 4,413 |
| Return on Equity (ROE) | 5.2334% | 4,165 |
| Retained earnings to average equity (ytd only) | 3.3342% | 3,986 |
| Net charge-offs to loans | 0.0304% | 5,913 |
| Credit loss provision to net charge-offs | 654.5455% | 567 |
| Earnings coverage of net charge-offs (x) | 37.6364% | 766 |
| Efficiency ratio | 80.8511% | 2,323 |
| Assets per employee ($millions) | 3.0259% | 6,089 |
| Cash dividends to net income (ytd only)* | 36.2903% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4841% | 4,000 |
| Loan loss allowance to noncurrent loans | 104.3945% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 3.2784% | 2,146 |
| Noncurrent loans to loans | 1.4216% | 4,582 |
| Net loans and leases to total assets | 67.0063% | 3,620 |
| Net loans and leases to deposits | 82.9278% | 3,091 |
| Net loans and leases to core deposits | 103.6123% | 1,677 |
| Total domestic deposits to total assets | 80.8007% | 5,473 |
| Equity capital to assets | 9.0052% | 5,443 |
| Core capital (leverage) ratio | 8.7616% | 4,985 |
| Tier 1 risk-based capital ratio | 11.6760% | 5,607 |
| Total risk-based capital ratio | 12.9270% | 5,564 |
| Memoranda: | ||
| Average total assets | $105,804,000 | 4,919 |
| Average earning assets | $92,659,670 | 5,027 |
| Average equity | $9,477,670 | 5,347 |
| Average total loans | $72,459,670 | 4,694 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8943% | 1,211 |
| Cost of funding earning assets | 1.6785% | 2,489 |
| Net interest margin | 4.2157% | 1,972 |
| Noninterest income to average assets | 0.9380% | 1,492 |
| Noninterest expense to average assets | 3.3247% | 2,451 |
| Loan and lease loss provision to assets | 0.1513% | 5,030 |
| Net operating income to assets | 0.7867% | 3,029 |
| Return on assets (ROA) | 0.7867% | 3,146 |
| Pretax return on assets | 1.1574% | 2,523 |
| Return on Equity (ROE) | 8.8061% | 2,563 |
| Retained earnings to average equity (ytd only) | 8.8061% | 1,456 |
| Net charge-offs to loans | -0.0275% | 7,165 |
| Credit loss provision to net charge-offs | -800.0000% | 6,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7551% | 3,975 |
| Assets per employee ($millions) | 3.2086% | 5,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 4,169 |
| Loan loss allowance to noncurrent loans | 98.5033% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 3.4132% | 2,070 |
| Noncurrent loans to loans | 1.4725% | 4,533 |
| Net loans and leases to total assets | 67.5702% | 3,493 |
| Net loans and leases to deposits | 83.6923% | 2,990 |
| Net loans and leases to core deposits | 104.0942% | 1,731 |
| Total domestic deposits to total assets | 80.7365% | 5,540 |
| Equity capital to assets | 9.0505% | 5,209 |
| Core capital (leverage) ratio | 8.7588% | 4,922 |
| Tier 1 risk-based capital ratio | 11.7334% | 5,464 |
| Total risk-based capital ratio | 12.9686% | 5,421 |
| Memoranda: | ||
| Average total assets | $105,753,500 | 4,987 |
| Average earning assets | $92,700,000 | 5,086 |
| Average equity | $9,448,000 | 5,409 |
| Average total loans | $72,673,500 | 4,755 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0259% | 1,770 |
| Cost of funding earning assets | 2.1737% | 2,142 |
| Net interest margin | 3.8522% | 3,476 |
| Noninterest income to average assets | 0.6126% | 3,533 |
| Noninterest expense to average assets | 3.5184% | 2,335 |
| Loan and lease loss provision to assets | 0.5834% | 3,459 |
| Net operating income to assets | 0.0269% | 5,408 |
| Return on assets (ROA) | 0.0694% | 5,336 |
| Pretax return on assets | -0.0111% | 5,464 |
| Return on Equity (ROE) | 0.7707% | 5,301 |
| Retained earnings to average equity (ytd only) | -0.4580% | 5,086 |
| Net charge-offs to loans | 0.4752% | 3,879 |
| Credit loss provision to net charge-offs | 173.1343% | 2,448 |
| Earnings coverage of net charge-offs (x) | 1.5015% | 4,622 |
| Efficiency ratio | 87.4281% | 1,936 |
| Assets per employee ($millions) | 2.9340% | 6,377 |
| Cash dividends to net income (ytd only)* | 159.4203% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 4,307 |
| Loan loss allowance to noncurrent loans | 105.8824% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 3.5201% | 1,904 |
| Noncurrent loans to loans | 1.3086% | 4,734 |
| Net loans and leases to total assets | 67.9208% | 3,717 |
| Net loans and leases to deposits | 83.8065% | 3,314 |
| Net loans and leases to core deposits | 117.4141% | 2,184 |
| Total domestic deposits to total assets | 81.0448% | 5,334 |
| Equity capital to assets | 8.8172% | 5,404 |
| Core capital (leverage) ratio | 9.1325% | 4,226 |
| Tier 1 risk-based capital ratio | 11.3057% | 5,608 |
| Total risk-based capital ratio | 12.5371% | 5,582 |
| Memoranda: | ||
| Average total assets | $99,420,200 | 5,099 |
| Average earning assets | $88,053,800 | 5,194 |
| Average equity | $8,952,600 | 5,624 |
| Average total loans | $70,499,000 | 4,853 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1644% | 1,461 |
| Cost of funding earning assets | 2.3167% | 1,919 |
| Net interest margin | 3.8478% | 3,442 |
| Noninterest income to average assets | 0.5572% | 4,028 |
| Noninterest expense to average assets | 3.5257% | 2,213 |
| Loan and lease loss provision to assets | 0.7452% | 2,506 |
| Net operating income to assets | -0.1131% | 5,909 |
| Return on assets (ROA) | -0.1131% | 5,939 |
| Pretax return on assets | -0.3038% | 6,101 |
| Return on Equity (ROE) | -1.2486% | 5,974 |
| Retained earnings to average equity (ytd only) | -2.3770% | 5,792 |
| Net charge-offs to loans | 0.6158% | 2,831 |
| Credit loss provision to net charge-offs | 169.3498% | 2,756 |
| Earnings coverage of net charge-offs (x) | 1.0031% | 5,049 |
| Efficiency ratio | 88.8736% | 1,787 |
| Assets per employee ($millions) | 2.7150% | 6,815 |
| Cash dividends to net income (ytd only)* | -90.3669% | 7,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3847% | 4,027 |
| Loan loss allowance to noncurrent loans | 79.2771% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 3.0060% | 2,310 |
| Noncurrent loans to loans | 1.7467% | 4,002 |
| Net loans and leases to total assets | 71.9181% | 3,057 |
| Net loans and leases to deposits | 90.5067% | 2,478 |
| Net loans and leases to core deposits | 123.0732% | 1,989 |
| Total domestic deposits to total assets | 79.4616% | 5,639 |
| Equity capital to assets | 9.5857% | 4,637 |
| Core capital (leverage) ratio | 9.0530% | 4,573 |
| Tier 1 risk-based capital ratio | 11.8726% | 5,088 |
| Total risk-based capital ratio | 13.1228% | 5,025 |
| Memoranda: | ||
| Average total assets | $97,869,500 | 5,176 |
| Average earning assets | $86,731,750 | 5,280 |
| Average equity | $8,862,500 | 5,698 |
| Average total loans | $69,936,750 | 4,917 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1121% | 1,754 |
| Cost of funding earning assets | 2.4476% | 1,786 |
| Net interest margin | 3.6645% | 4,099 |
| Noninterest income to average assets | 0.5474% | 4,053 |
| Noninterest expense to average assets | 3.4786% | 2,405 |
| Loan and lease loss provision to assets | 1.0622% | 1,607 |
| Net operating income to assets | -0.3901% | 6,439 |
| Return on assets (ROA) | -0.3901% | 6,447 |
| Pretax return on assets | -0.7456% | 6,645 |
| Return on Equity (ROE) | -4.3940% | 6,533 |
| Retained earnings to average equity (ytd only) | -6.1194% | 6,465 |
| Net charge-offs to loans | 0.9440% | 1,837 |
| Credit loss provision to net charge-offs | 158.5366% | 2,901 |
| Earnings coverage of net charge-offs (x) | 0.4726% | 5,230 |
| Efficiency ratio | 91.6577% | 1,666 |
| Assets per employee ($millions) | 2.7352% | 6,767 |
| Cash dividends to net income (ytd only)* | -39.2670% | 7,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3478% | 3,992 |
| Loan loss allowance to noncurrent loans | 144.0422% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 2.3968% | 2,707 |
| Noncurrent loans to loans | 0.9357% | 5,350 |
| Net loans and leases to total assets | 70.9880% | 3,468 |
| Net loans and leases to deposits | 86.8106% | 3,388 |
| Net loans and leases to core deposits | 115.2992% | 2,780 |
| Total domestic deposits to total assets | 81.7734% | 4,782 |
| Equity capital to assets | 9.2966% | 4,877 |
| Core capital (leverage) ratio | 8.8771% | 4,824 |
| Tier 1 risk-based capital ratio | 11.6051% | 5,283 |
| Total risk-based capital ratio | 12.8645% | 5,206 |
| Memoranda: | ||
| Average total assets | $97,913,000 | 5,218 |
| Average earning assets | $86,778,670 | 5,307 |
| Average equity | $8,693,670 | 5,780 |
| Average total loans | $69,489,330 | 4,981 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8797% | 2,895 |
| Cost of funding earning assets | 2.5212% | 1,839 |
| Net interest margin | 3.3585% | 5,292 |
| Noninterest income to average assets | 0.5736% | 3,735 |
| Noninterest expense to average assets | 3.3963% | 2,368 |
| Loan and lease loss provision to assets | 0.8890% | 1,471 |
| Net operating income to assets | -0.3851% | 6,768 |
| Return on assets (ROA) | -0.3851% | 6,847 |
| Pretax return on assets | -0.7374% | 6,991 |
| Return on Equity (ROE) | -4.4426% | 6,933 |
| Retained earnings to average equity (ytd only) | -7.9872% | 6,915 |
| Net charge-offs to loans | 0.6395% | 1,899 |
| Credit loss provision to net charge-offs | 197.2727% | 2,250 |
| Earnings coverage of net charge-offs (x) | 0.3364% | 4,704 |
| Efficiency ratio | 95.7275% | 1,330 |
| Assets per employee ($millions) | 2.6614% | 6,956 |
| Cash dividends to net income (ytd only)* | -79.7872% | 8,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 4,295 |
| Loan loss allowance to noncurrent loans | 53.5714% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 2.7368% | 2,077 |
| Noncurrent loans to loans | 2.3659% | 2,781 |
| Net loans and leases to total assets | 68.8233% | 3,952 |
| Net loans and leases to deposits | 86.6958% | 3,519 |
| Net loans and leases to core deposits | 115.7924% | 2,821 |
| Total domestic deposits to total assets | 79.3848% | 5,579 |
| Equity capital to assets | 9.4566% | 4,735 |
| Core capital (leverage) ratio | 9.1280% | 4,506 |
| Tier 1 risk-based capital ratio | 11.2160% | 5,688 |
| Total risk-based capital ratio | 12.3128% | 5,754 |
| Memoranda: | ||
| Average total assets | $97,636,500 | 5,251 |
| Average earning assets | $86,466,500 | 5,335 |
| Average equity | $8,463,500 | 5,893 |
| Average total loans | $68,807,000 | 5,023 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6773% | 2,117 |
| Cost of funding earning assets | 3.1072% | 1,486 |
| Net interest margin | 3.5701% | 5,010 |
| Noninterest income to average assets | 0.6675% | 3,350 |
| Noninterest expense to average assets | 3.7210% | 1,912 |
| Loan and lease loss provision to assets | 0.1863% | 5,028 |
| Net operating income to assets | 0.0480% | 6,238 |
| Return on assets (ROA) | 0.0515% | 6,085 |
| Pretax return on assets | -0.0647% | 6,226 |
| Return on Equity (ROE) | 0.6093% | 6,033 |
| Retained earnings to average equity (ytd only) | -3.1240% | 6,137 |
| Net charge-offs to loans | 0.0257% | 6,478 |
| Credit loss provision to net charge-offs | 1,062.5000% | 419 |
| Earnings coverage of net charge-offs (x) | 6.6250% | 3,312 |
| Efficiency ratio | 96.9723% | 1,098 |
| Assets per employee ($millions) | 2.8471% | 6,455 |
| Cash dividends to net income (ytd only)* | 612.7660% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 5,225 |
| Loan loss allowance to noncurrent loans | 112.2059% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 1.7107% | 2,847 |
| Noncurrent loans to loans | 0.9859% | 4,620 |
| Net loans and leases to total assets | 70.4634% | 3,910 |
| Net loans and leases to deposits | 87.0281% | 3,940 |
| Net loans and leases to core deposits | 115.4419% | 3,187 |
| Total domestic deposits to total assets | 80.9663% | 4,652 |
| Equity capital to assets | 7.8666% | 7,020 |
| Core capital (leverage) ratio | 7.6231% | 7,046 |
| Tier 1 risk-based capital ratio | 9.8546% | 6,898 |
| Total risk-based capital ratio | 10.8894% | 7,050 |
| Memoranda: | ||
| Average total assets | $91,237,800 | 5,310 |
| Average earning assets | $81,005,400 | 5,402 |
| Average equity | $7,714,400 | 6,204 |
| Average total loans | $62,304,400 | 5,166 |