Home > Security Bank of Southwest Missouri > Performance and Condition Ratios
Security Bank of Southwest Missouri, 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 | 5.8597% | 761 |
| Cost of funding earning assets | 1.3137% | 2,477 |
| Net interest margin | 4.5460% | 568 |
| Noninterest income to average assets | 0.8800% | 794 |
| Noninterest expense to average assets | 2.6241% | 1,940 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 2.4360% | 257 |
| Return on assets (ROA) | 2.4360% | 249 |
| Pretax return on assets | 2.4360% | 360 |
| Return on Equity (ROE) | 21.9200% | 463 |
| Retained earnings to average equity (ytd only) | 10.5403% | 896 |
| Net charge-offs to loans | -0.0053% | 3,841 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 48.9509% | 4,043 |
| Assets per employee ($millions) | 3.6122% | 4,267 |
| Cash dividends to net income (ytd only)* | 51.9037% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1312% | 2,652 |
| Loan loss allowance to noncurrent loans | 196.1538% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.4798% | 1,165 |
| Noncurrent loans to loans | 0.5767% | 1,360 |
| Net loans and leases to total assets | 82.2700% | 407 |
| Net loans and leases to deposits | 93.1621% | 1,004 |
| Net loans and leases to core deposits | 100.3746% | 1,414 |
| Total domestic deposits to total assets | 88.3100% | 1,253 |
| Equity capital to assets | 11.2639% | 1,382 |
| Core capital (leverage) ratio | 11.4115% | 1,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $114,285,600 | 3,705 |
| Average earning assets | $110,909,800 | 3,638 |
| Average equity | $12,703,600 | 3,464 |
| Average total loans | $95,172,600 | 3,227 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6195% | 890 |
| Cost of funding earning assets | 1.1278% | 2,665 |
| Net interest margin | 4.4917% | 622 |
| Noninterest income to average assets | 0.9100% | 748 |
| Noninterest expense to average assets | 2.6099% | 1,917 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 2.4707% | 273 |
| Return on assets (ROA) | 2.4707% | 270 |
| Pretax return on assets | 2.4707% | 393 |
| Return on Equity (ROE) | 22.3100% | 537 |
| Retained earnings to average equity (ytd only) | 11.6585% | 1,032 |
| Net charge-offs to loans | -0.0198% | 4,130 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 48.9033% | 3,989 |
| Assets per employee ($millions) | 3.6431% | 4,286 |
| Cash dividends to net income (ytd only)* | 47.7327% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 3,130 |
| Loan loss allowance to noncurrent loans | 120.4009% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.8193% | 675 |
| Noncurrent loans to loans | 0.8675% | 957 |
| Net loans and leases to total assets | 80.4600% | 593 |
| Net loans and leases to deposits | 90.6566% | 1,184 |
| Net loans and leases to core deposits | 97.5112% | 1,475 |
| Total domestic deposits to total assets | 88.7600% | 1,328 |
| Equity capital to assets | 10.9064% | 1,382 |
| Core capital (leverage) ratio | 11.6620% | 1,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $113,056,000 | 3,729 |
| Average earning assets | $109,711,000 | 3,661 |
| Average equity | $12,522,750 | 3,473 |
| Average total loans | $94,168,000 | 3,243 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4888% | 842 |
| Cost of funding earning assets | 0.9927% | 2,627 |
| Net interest margin | 4.4961% | 608 |
| Noninterest income to average assets | 0.9500% | 618 |
| Noninterest expense to average assets | 2.6440% | 1,812 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 2.4922% | 250 |
| Return on assets (ROA) | 2.4922% | 245 |
| Pretax return on assets | 2.4922% | 364 |
| Return on Equity (ROE) | 22.3700% | 522 |
| Retained earnings to average equity (ytd only) | 11.8446% | 1,019 |
| Net charge-offs to loans | -0.0301% | 4,244 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 49.0823% | 3,991 |
| Assets per employee ($millions) | 3.6465% | 4,308 |
| Cash dividends to net income (ytd only)* | 47.0631% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 3,444 |
| Loan loss allowance to noncurrent loans | 70.6618% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 1.2031% | 339 |
| Noncurrent loans to loans | 1.4075% | 494 |
| Net loans and leases to total assets | 84.6300% | 234 |
| Net loans and leases to deposits | 95.7177% | 748 |
| Net loans and leases to core deposits | 102.8578% | 1,098 |
| Total domestic deposits to total assets | 88.4200% | 1,454 |
| Equity capital to assets | 11.2835% | 1,281 |
| Core capital (leverage) ratio | 11.4393% | 1,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $110,667,000 | 3,762 |
| Average earning assets | $107,382,000 | 3,691 |
| Average equity | $12,326,333 | 3,506 |
| Average total loans | $92,971,667 | 3,254 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2660% | 864 |
| Cost of funding earning assets | 0.8212% | 2,651 |
| Net interest margin | 4.4448% | 632 |
| Noninterest income to average assets | 0.9500% | 617 |
| Noninterest expense to average assets | 2.6672% | 1,755 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 2.4151% | 271 |
| Return on assets (ROA) | 2.4151% | 269 |
| Pretax return on assets | 2.4151% | 400 |
| Return on Equity (ROE) | 21.8300% | 593 |
| Retained earnings to average equity (ytd only) | 11.1295% | 1,442 |
| Net charge-offs to loans | 0.0395% | 966 |
| Credit loss provision to net charge-offs | 555.5556% | 525 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 898 |
| Efficiency ratio | 49.8959% | 3,947 |
| Assets per employee ($millions) | 3.6001% | 4,389 |
| Cash dividends to net income (ytd only)* | 49.0166% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 3,688 |
| Loan loss allowance to noncurrent loans | 31.0056% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 2.5662% | 74 |
| Noncurrent loans to loans | 3.0892% | 142 |
| Net loans and leases to total assets | 82.2700% | 344 |
| Net loans and leases to deposits | 92.7410% | 872 |
| Net loans and leases to core deposits | 97.3103% | 1,214 |
| Total domestic deposits to total assets | 88.7100% | 1,654 |
| Equity capital to assets | 11.0955% | 1,306 |
| Core capital (leverage) ratio | 11.3618% | 1,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $109,480,000 | 3,827 |
| Average earning assets | $106,191,000 | 3,758 |
| Average equity | $12,112,000 | 3,564 |
| Average total loans | $91,143,500 | 3,316 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4460% | 805 |
| Cost of funding earning assets | 0.3656% | 2,362 |
| Net interest margin | 4.0804% | 687 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 2.4750% | 2,196 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 2.1677% | 224 |
| Return on assets (ROA) | 2.0707% | 252 |
| Pretax return on assets | 2.0707% | 403 |
| Return on Equity (ROE) | 19.8600% | 496 |
| Retained earnings to average equity (ytd only) | 8.1841% | 1,764 |
| Net charge-offs to loans | 0.0624% | 1,027 |
| Credit loss provision to net charge-offs | 440.0000% | 735 |
| Earnings coverage of net charge-offs (x) | 51.8000% | 1,331 |
| Efficiency ratio | 50.5287% | 4,098 |
| Assets per employee ($millions) | 3.4631% | 4,446 |
| Cash dividends to net income (ytd only)* | 58.7898% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 2,925 |
| Loan loss allowance to noncurrent loans | 67.0315% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.3618% | 252 |
| Noncurrent loans to loans | 1.6321% | 389 |
| Net loans and leases to total assets | 82.5300% | 368 |
| Net loans and leases to deposits | 93.3072% | 827 |
| Net loans and leases to core deposits | 97.3658% | 1,136 |
| Total domestic deposits to total assets | 88.4500% | 1,914 |
| Equity capital to assets | 11.0297% | 1,244 |
| Core capital (leverage) ratio | 11.0723% | 1,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $109,332,800 | 3,843 |
| Average earning assets | $106,140,400 | 3,770 |
| Average equity | $11,400,200 | 3,724 |
| Average total loans | $80,105,400 | 3,416 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2716% | 778 |
| Cost of funding earning assets | 0.3311% | 1,847 |
| Net interest margin | 3.9405% | 720 |
| Noninterest income to average assets | 0.8800% | 864 |
| Noninterest expense to average assets | 2.4499% | 2,160 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 2.1779% | 215 |
| Return on assets (ROA) | 2.1779% | 212 |
| Pretax return on assets | 2.1779% | 331 |
| Return on Equity (ROE) | 21.1900% | 341 |
| Retained earnings to average equity (ytd only) | 10.3452% | 1,244 |
| Net charge-offs to loans | -0.2213% | 4,654 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.3395% | 4,058 |
| Assets per employee ($millions) | 3.7510% | 4,412 |
| Cash dividends to net income (ytd only)* | 51.1706% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 2,604 |
| Loan loss allowance to noncurrent loans | 53.0773% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.7476% | 171 |
| Noncurrent loans to loans | 2.2351% | 258 |
| Net loans and leases to total assets | 77.2600% | 776 |
| Net loans and leases to deposits | 86.6529% | 1,130 |
| Net loans and leases to core deposits | 90.3337% | 1,276 |
| Total domestic deposits to total assets | 89.1600% | 2,026 |
| Equity capital to assets | 10.6398% | 1,314 |
| Core capital (leverage) ratio | 10.8687% | 1,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $109,827,000 | 3,860 |
| Average earning assets | $106,717,750 | 3,786 |
| Average equity | $11,290,000 | 3,780 |
| Average total loans | $77,737,250 | 3,459 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0205% | 906 |
| Cost of funding earning assets | 0.3305% | 1,438 |
| Net interest margin | 3.6899% | 926 |
| Noninterest income to average assets | 0.8713% | 901 |
| Noninterest expense to average assets | 2.4506% | 2,079 |
| Loan and lease loss provision to assets | 0.0817% | 1,205 |
| Net operating income to assets | 1.9260% | 258 |
| Return on assets (ROA) | 1.9260% | 257 |
| Pretax return on assets | 1.9260% | 444 |
| Return on Equity (ROE) | 18.9543% | 390 |
| Retained earnings to average equity (ytd only) | 8.3428% | 1,494 |
| Net charge-offs to loans | -0.3692% | 4,665 |
| Credit loss provision to net charge-offs | -32.3741% | 3,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3160% | 3,934 |
| Assets per employee ($millions) | 4.0902% | 4,321 |
| Cash dividends to net income (ytd only)* | 55.9849% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 2,274 |
| Loan loss allowance to noncurrent loans | 140.0000% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.6429% | 856 |
| Noncurrent loans to loans | 0.9152% | 912 |
| Net loans and leases to total assets | 69.3476% | 1,363 |
| Net loans and leases to deposits | 77.4366% | 1,580 |
| Net loans and leases to core deposits | 80.6555% | 1,680 |
| Total domestic deposits to total assets | 89.5540% | 1,918 |
| Equity capital to assets | 10.2685% | 1,552 |
| Core capital (leverage) ratio | 10.2643% | 2,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,176,000 | 3,896 |
| Average earning assets | $107,102,000 | 3,838 |
| Average equity | $11,195,333 | 3,867 |
| Average total loans | $75,299,333 | 3,527 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8742% | 964 |
| Cost of funding earning assets | 0.3331% | 1,342 |
| Net interest margin | 3.5410% | 1,006 |
| Noninterest income to average assets | 0.7997% | 1,045 |
| Noninterest expense to average assets | 2.4099% | 2,127 |
| Loan and lease loss provision to assets | 0.0800% | 1,026 |
| Net operating income to assets | 1.7484% | 364 |
| Return on assets (ROA) | 1.7484% | 367 |
| Pretax return on assets | 1.7484% | 619 |
| Return on Equity (ROE) | 17.2975% | 389 |
| Retained earnings to average equity (ytd only) | 6.6169% | 2,024 |
| Net charge-offs to loans | -0.0431% | 4,208 |
| Credit loss provision to net charge-offs | -287.5000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1750% | 3,862 |
| Assets per employee ($millions) | 4.1373% | 4,338 |
| Cash dividends to net income (ytd only)* | 61.7464% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 3,231 |
| Loan loss allowance to noncurrent loans | 128.0061% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.5881% | 1,002 |
| Noncurrent loans to loans | 0.8763% | 1,067 |
| Net loans and leases to total assets | 66.3611% | 1,379 |
| Net loans and leases to deposits | 73.8251% | 1,623 |
| Net loans and leases to core deposits | 77.0478% | 1,700 |
| Total domestic deposits to total assets | 89.8896% | 1,631 |
| Equity capital to assets | 9.9492% | 1,933 |
| Core capital (leverage) ratio | 10.2489% | 2,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,046,500 | 3,916 |
| Average earning assets | $106,861,500 | 3,849 |
| Average equity | $11,123,000 | 3,945 |
| Average total loans | $74,160,000 | 3,555 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3734% | 750 |
| Cost of funding earning assets | 0.3844% | 1,650 |
| Net interest margin | 3.9890% | 730 |
| Noninterest income to average assets | 0.8898% | 1,234 |
| Noninterest expense to average assets | 2.4952% | 2,195 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.2659% | 216 |
| Return on assets (ROA) | 2.2659% | 226 |
| Pretax return on assets | 2.2659% | 364 |
| Return on Equity (ROE) | 22.3850% | 204 |
| Retained earnings to average equity (ytd only) | 10.8775% | 728 |
| Net charge-offs to loans | 0.0727% | 1,064 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 48.5918% | 1,312 |
| Efficiency ratio | 51.7490% | 4,138 |
| Assets per employee ($millions) | 3.7374% | 4,517 |
| Cash dividends to net income (ytd only)* | 51.4070% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 3,338 |
| Loan loss allowance to noncurrent loans | 121.2575% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.6163% | 1,063 |
| Noncurrent loans to loans | 0.9107% | 1,112 |
| Net loans and leases to total assets | 66.9265% | 1,380 |
| Net loans and leases to deposits | 74.7994% | 1,666 |
| Net loans and leases to core deposits | 78.1797% | 1,744 |
| Total domestic deposits to total assets | 89.4747% | 1,252 |
| Equity capital to assets | 10.2707% | 2,404 |
| Core capital (leverage) ratio | 10.2855% | 2,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,081,600 | 3,944 |
| Average earning assets | $101,981,000 | 3,889 |
| Average equity | $10,636,600 | 4,070 |
| Average total loans | $67,399,800 | 3,703 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5004% | 677 |
| Cost of funding earning assets | 0.3911% | 1,770 |
| Net interest margin | 4.1094% | 643 |
| Noninterest income to average assets | 0.8965% | 1,266 |
| Noninterest expense to average assets | 2.4810% | 2,178 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.4068% | 243 |
| Return on assets (ROA) | 2.4068% | 252 |
| Pretax return on assets | 2.4068% | 389 |
| Return on Equity (ROE) | 23.8688% | 212 |
| Retained earnings to average equity (ytd only) | 11.7695% | 886 |
| Net charge-offs to loans | 0.0223% | 1,605 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 171.0909% | 614 |
| Efficiency ratio | 50.1047% | 4,212 |
| Assets per employee ($millions) | 3.5566% | 4,624 |
| Cash dividends to net income (ytd only)* | 50.6908% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 3,008 |
| Loan loss allowance to noncurrent loans | 209.3827% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 1,924 |
| Noncurrent loans to loans | 0.5711% | 1,882 |
| Net loans and leases to total assets | 65.6660% | 1,582 |
| Net loans and leases to deposits | 73.3404% | 1,926 |
| Net loans and leases to core deposits | 76.7003% | 1,985 |
| Total domestic deposits to total assets | 89.5360% | 993 |
| Equity capital to assets | 10.2447% | 2,659 |
| Core capital (leverage) ratio | 10.0096% | 2,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,255,500 | 4,004 |
| Average earning assets | $101,261,500 | 3,944 |
| Average equity | $10,512,750 | 4,138 |
| Average total loans | $65,912,500 | 3,781 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8078% | 460 |
| Cost of funding earning assets | 0.4005% | 1,881 |
| Net interest margin | 4.4074% | 410 |
| Noninterest income to average assets | 0.9068% | 1,256 |
| Noninterest expense to average assets | 2.4961% | 2,155 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.6875% | 175 |
| Return on assets (ROA) | 2.6875% | 183 |
| Pretax return on assets | 2.6875% | 264 |
| Return on Equity (ROE) | 26.7995% | 153 |
| Retained earnings to average equity (ytd only) | 13.6118% | 614 |
| Net charge-offs to loans | 0.0280% | 1,390 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 154.4444% | 582 |
| Efficiency ratio | 47.5196% | 4,425 |
| Assets per employee ($millions) | 3.5966% | 4,629 |
| Cash dividends to net income (ytd only)* | 49.2086% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 2,647 |
| Loan loss allowance to noncurrent loans | 169.3227% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4653% | 1,795 |
| Noncurrent loans to loans | 0.7433% | 1,607 |
| Net loans and leases to total assets | 61.8099% | 2,199 |
| Net loans and leases to deposits | 68.7281% | 2,545 |
| Net loans and leases to core deposits | 71.8196% | 2,620 |
| Total domestic deposits to total assets | 89.9339% | 814 |
| Equity capital to assets | 9.9206% | 2,921 |
| Core capital (leverage) ratio | 9.8233% | 2,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,441,000 | 4,034 |
| Average earning assets | $100,377,667 | 3,971 |
| Average equity | $10,373,333 | 4,166 |
| Average total loans | $64,245,667 | 3,828 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5713% | 183 |
| Cost of funding earning assets | 0.4248% | 1,901 |
| Net interest margin | 5.1465% | 160 |
| Noninterest income to average assets | 0.8497% | 1,462 |
| Noninterest expense to average assets | 2.5728% | 1,949 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 3.2565% | 124 |
| Return on assets (ROA) | 3.2565% | 136 |
| Pretax return on assets | 3.2565% | 181 |
| Return on Equity (ROE) | 32.2884% | 108 |
| Retained earnings to average equity (ytd only) | 17.4765% | 390 |
| Net charge-offs to loans | -0.1086% | 4,665 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1356% | 4,568 |
| Assets per employee ($millions) | 3.7819% | 4,590 |
| Cash dividends to net income (ytd only)* | 45.8738% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 2,125 |
| Loan loss allowance to noncurrent loans | 166.5399% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.4967% | 1,902 |
| Noncurrent loans to loans | 0.8189% | 1,630 |
| Net loans and leases to total assets | 59.8296% | 2,561 |
| Net loans and leases to deposits | 66.4827% | 2,867 |
| Net loans and leases to core deposits | 69.5234% | 2,905 |
| Total domestic deposits to total assets | 89.9928% | 824 |
| Equity capital to assets | 9.8438% | 2,851 |
| Core capital (leverage) ratio | 10.3192% | 2,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,213,000 | 4,060 |
| Average earning assets | $97,931,000 | 4,002 |
| Average equity | $10,208,000 | 4,192 |
| Average total loans | $62,598,000 | 3,871 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7103% | 877 |
| Cost of funding earning assets | 0.5726% | 2,495 |
| Net interest margin | 4.1377% | 730 |
| Noninterest income to average assets | 1.0163% | 1,021 |
| Noninterest expense to average assets | 2.9067% | 1,668 |
| Loan and lease loss provision to assets | 0.0757% | 3,433 |
| Net operating income to assets | 1.9627% | 283 |
| Return on assets (ROA) | 1.9627% | 306 |
| Pretax return on assets | 1.9627% | 494 |
| Return on Equity (ROE) | 17.2975% | 382 |
| Retained earnings to average equity (ytd only) | 2.0118% | 3,817 |
| Net charge-offs to loans | 0.0364% | 2,323 |
| Credit loss provision to net charge-offs | 300.0000% | 1,727 |
| Earnings coverage of net charge-offs (x) | 80.7727% | 890 |
| Efficiency ratio | 58.7799% | 3,618 |
| Assets per employee ($millions) | 3.0166% | 4,806 |
| Cash dividends to net income (ytd only)* | 88.3694% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 1,937 |
| Loan loss allowance to noncurrent loans | 81.2677% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 1.1064% | 827 |
| Noncurrent loans to loans | 1.7338% | 728 |
| Net loans and leases to total assets | 62.2643% | 2,574 |
| Net loans and leases to deposits | 69.6547% | 2,917 |
| Net loans and leases to core deposits | 73.1783% | 2,979 |
| Total domestic deposits to total assets | 89.3900% | 810 |
| Equity capital to assets | 10.3510% | 2,795 |
| Core capital (leverage) ratio | 10.4374% | 2,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,177,400 | 4,155 |
| Average earning assets | $82,776,200 | 4,121 |
| Average equity | $9,891,600 | 4,207 |
| Average total loans | $60,436,200 | 3,908 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9163% | 710 |
| Cost of funding earning assets | 0.6025% | 2,597 |
| Net interest margin | 4.3138% | 571 |
| Noninterest income to average assets | 1.0561% | 932 |
| Noninterest expense to average assets | 2.9656% | 1,515 |
| Loan and lease loss provision to assets | 0.1037% | 3,024 |
| Net operating income to assets | 2.0713% | 257 |
| Return on assets (ROA) | 2.0713% | 279 |
| Pretax return on assets | 2.0713% | 447 |
| Return on Equity (ROE) | 17.8107% | 376 |
| Retained earnings to average equity (ytd only) | 2.4865% | 3,750 |
| Net charge-offs to loans | -0.0243% | 4,468 |
| Credit loss provision to net charge-offs | -600.0000% | 3,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6888% | 3,712 |
| Assets per employee ($millions) | 3.0673% | 4,820 |
| Cash dividends to net income (ytd only)* | 86.0395% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4381% | 1,582 |
| Loan loss allowance to noncurrent loans | 65.9763% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.4812% | 583 |
| Noncurrent loans to loans | 2.1797% | 541 |
| Net loans and leases to total assets | 66.4377% | 2,457 |
| Net loans and leases to deposits | 74.7603% | 2,886 |
| Net loans and leases to core deposits | 78.7470% | 2,941 |
| Total domestic deposits to total assets | 88.8676% | 827 |
| Equity capital to assets | 10.8455% | 2,520 |
| Core capital (leverage) ratio | 10.7790% | 2,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,838,750 | 4,190 |
| Average earning assets | $80,329,000 | 4,161 |
| Average equity | $9,866,500 | 4,218 |
| Average total loans | $60,304,250 | 3,935 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2045% | 567 |
| Cost of funding earning assets | 0.6480% | 2,711 |
| Net interest margin | 4.5565% | 445 |
| Noninterest income to average assets | 1.0698% | 871 |
| Noninterest expense to average assets | 3.0299% | 1,505 |
| Loan and lease loss provision to assets | 0.1019% | 2,988 |
| Net operating income to assets | 2.2366% | 212 |
| Return on assets (ROA) | 2.2366% | 233 |
| Pretax return on assets | 2.2366% | 341 |
| Return on Equity (ROE) | 18.7614% | 321 |
| Retained earnings to average equity (ytd only) | 3.3779% | 3,232 |
| Net charge-offs to loans | -0.0234% | 4,458 |
| Credit loss provision to net charge-offs | -600.0000% | 3,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4392% | 3,893 |
| Assets per employee ($millions) | 2.8904% | 4,882 |
| Cash dividends to net income (ytd only)* | 81.9957% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4273% | 1,492 |
| Loan loss allowance to noncurrent loans | 77.1429% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.3620% | 734 |
| Noncurrent loans to loans | 1.8502% | 751 |
| Net loans and leases to total assets | 68.8132% | 2,213 |
| Net loans and leases to deposits | 77.9419% | 2,661 |
| Net loans and leases to core deposits | 82.3773% | 2,747 |
| Total domestic deposits to total assets | 88.2878% | 1,046 |
| Equity capital to assets | 11.4723% | 1,989 |
| Core capital (leverage) ratio | 11.4364% | 1,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,445,000 | 4,223 |
| Average earning assets | $77,778,667 | 4,202 |
| Average equity | $9,828,667 | 4,238 |
| Average total loans | $59,729,667 | 3,952 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2618% | 594 |
| Cost of funding earning assets | 0.7269% | 2,798 |
| Net interest margin | 4.5350% | 464 |
| Noninterest income to average assets | 1.1306% | 682 |
| Noninterest expense to average assets | 3.0531% | 1,756 |
| Loan and lease loss provision to assets | 0.1046% | 2,375 |
| Net operating income to assets | 2.2612% | 164 |
| Return on assets (ROA) | 2.2612% | 182 |
| Pretax return on assets | 2.2612% | 259 |
| Return on Equity (ROE) | 18.5894% | 230 |
| Retained earnings to average equity (ytd only) | 3.1119% | 3,036 |
| Net charge-offs to loans | -0.0135% | 4,185 |
| Credit loss provision to net charge-offs | -1,050.0000% | 3,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3419% | 4,179 |
| Assets per employee ($millions) | 2.7271% | 4,892 |
| Cash dividends to net income (ytd only)* | 83.2599% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 1,636 |
| Loan loss allowance to noncurrent loans | 78.5380% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.3177% | 883 |
| Noncurrent loans to loans | 1.8063% | 830 |
| Net loans and leases to total assets | 71.1778% | 2,055 |
| Net loans and leases to deposits | 81.0342% | 2,577 |
| Net loans and leases to core deposits | 86.3976% | 2,647 |
| Total domestic deposits to total assets | 87.8367% | 1,168 |
| Equity capital to assets | 11.9885% | 2,082 |
| Core capital (leverage) ratio | 12.0240% | 1,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,311,000 | 4,264 |
| Average earning assets | $75,943,500 | 4,227 |
| Average equity | $9,769,000 | 4,266 |
| Average total loans | $59,327,500 | 3,967 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2302% | 929 |
| Cost of funding earning assets | 0.6831% | 3,244 |
| Net interest margin | 4.5471% | 658 |
| Noninterest income to average assets | 1.0820% | 811 |
| Noninterest expense to average assets | 3.0844% | 1,798 |
| Loan and lease loss provision to assets | 0.1403% | 1,522 |
| Net operating income to assets | 2.2254% | 213 |
| Return on assets (ROA) | 2.2254% | 226 |
| Pretax return on assets | 2.2254% | 368 |
| Return on Equity (ROE) | 17.7098% | 363 |
| Retained earnings to average equity (ytd only) | -6.3285% | 5,010 |
| Net charge-offs to loans | 0.1330% | 1,446 |
| Credit loss provision to net charge-offs | 141.7722% | 1,822 |
| Earnings coverage of net charge-offs (x) | 23.9114% | 1,796 |
| Efficiency ratio | 56.5947% | 4,135 |
| Assets per employee ($millions) | 2.5423% | 4,987 |
| Cash dividends to net income (ytd only)* | 135.7344% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3678% | 1,637 |
| Loan loss allowance to noncurrent loans | 57.4753% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 1.8132% | 480 |
| Noncurrent loans to loans | 2.3798% | 482 |
| Net loans and leases to total assets | 74.5718% | 1,662 |
| Net loans and leases to deposits | 85.4178% | 2,162 |
| Net loans and leases to core deposits | 91.3060% | 2,293 |
| Total domestic deposits to total assets | 87.3024% | 1,453 |
| Equity capital to assets | 12.3461% | 1,921 |
| Core capital (leverage) ratio | 12.0553% | 1,739 |
| Tier 1 risk-based capital ratio | 27.9330% | 561 |
| Total risk-based capital ratio | 29.1958% | 551 |
| Memoranda: | ||
| Average total assets | $79,852,600 | 4,288 |
| Average earning assets | $76,708,000 | 4,237 |
| Average equity | $10,034,000 | 4,237 |
| Average total loans | $59,413,600 | 3,998 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2010% | 1,040 |
| Cost of funding earning assets | 0.6631% | 3,381 |
| Net interest margin | 4.5379% | 705 |
| Noninterest income to average assets | 1.0535% | 832 |
| Noninterest expense to average assets | 3.0523% | 1,821 |
| Loan and lease loss provision to assets | 0.1215% | 1,608 |
| Net operating income to assets | 2.2418% | 253 |
| Return on assets (ROA) | 2.2418% | 264 |
| Pretax return on assets | 2.2418% | 422 |
| Return on Equity (ROE) | 17.7642% | 412 |
| Retained earnings to average equity (ytd only) | -9.0601% | 5,137 |
| Net charge-offs to loans | 0.1145% | 1,334 |
| Credit loss provision to net charge-offs | 143.1373% | 1,696 |
| Earnings coverage of net charge-offs (x) | 27.8425% | 1,700 |
| Efficiency ratio | 56.3614% | 4,132 |
| Assets per employee ($millions) | 2.6308% | 5,039 |
| Cash dividends to net income (ytd only)* | 151.0017% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3524% | 1,755 |
| Loan loss allowance to noncurrent loans | 79.7619% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.2911% | 942 |
| Noncurrent loans to loans | 1.6955% | 861 |
| Net loans and leases to total assets | 74.3073% | 1,753 |
| Net loans and leases to deposits | 85.0215% | 2,317 |
| Net loans and leases to core deposits | 90.8326% | 2,483 |
| Total domestic deposits to total assets | 87.3982% | 1,311 |
| Equity capital to assets | 12.2420% | 2,081 |
| Core capital (leverage) ratio | 12.0163% | 1,837 |
| Tier 1 risk-based capital ratio | 27.6766% | 595 |
| Total risk-based capital ratio | 28.9387% | 582 |
| Memoranda: | ||
| Average total assets | $80,113,250 | 4,338 |
| Average earning assets | $77,008,250 | 4,284 |
| Average equity | $10,110,000 | 4,270 |
| Average total loans | $59,370,750 | 4,044 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1195% | 1,174 |
| Cost of funding earning assets | 0.6361% | 3,480 |
| Net interest margin | 4.4834% | 802 |
| Noninterest income to average assets | 1.0483% | 787 |
| Noninterest expense to average assets | 3.0382% | 1,892 |
| Loan and lease loss provision to assets | 0.1292% | 1,444 |
| Net operating income to assets | 2.2060% | 267 |
| Return on assets (ROA) | 2.2060% | 278 |
| Pretax return on assets | 2.2060% | 438 |
| Return on Equity (ROE) | 17.3111% | 434 |
| Retained earnings to average equity (ytd only) | 2.5733% | 3,908 |
| Net charge-offs to loans | 0.0977% | 1,388 |
| Credit loss provision to net charge-offs | 179.3103% | 1,317 |
| Earnings coverage of net charge-offs (x) | 32.4138% | 1,404 |
| Efficiency ratio | 56.5418% | 4,187 |
| Assets per employee ($millions) | 2.7849% | 5,021 |
| Cash dividends to net income (ytd only)* | 85.1351% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 1,707 |
| Loan loss allowance to noncurrent loans | 75.3745% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.3360% | 930 |
| Noncurrent loans to loans | 1.8267% | 820 |
| Net loans and leases to total assets | 71.3974% | 2,306 |
| Net loans and leases to deposits | 82.2685% | 2,701 |
| Net loans and leases to core deposits | 87.4316% | 2,854 |
| Total domestic deposits to total assets | 86.7859% | 1,689 |
| Equity capital to assets | 12.9405% | 1,610 |
| Core capital (leverage) ratio | 12.8356% | 1,384 |
| Tier 1 risk-based capital ratio | 30.7188% | 463 |
| Total risk-based capital ratio | 31.9771% | 455 |
| Memoranda: | ||
| Average total assets | $80,509,330 | 4,363 |
| Average earning assets | $77,664,000 | 4,299 |
| Average equity | $10,259,330 | 4,269 |
| Average total loans | $59,344,000 | 4,066 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0890% | 1,117 |
| Cost of funding earning assets | 0.5975% | 3,590 |
| Net interest margin | 4.4915% | 757 |
| Noninterest income to average assets | 0.9952% | 819 |
| Noninterest expense to average assets | 2.9907% | 2,016 |
| Loan and lease loss provision to assets | 0.1543% | 1,087 |
| Net operating income to assets | 2.1895% | 277 |
| Return on assets (ROA) | 2.1895% | 287 |
| Pretax return on assets | 2.1895% | 460 |
| Return on Equity (ROE) | 17.3169% | 460 |
| Retained earnings to average equity (ytd only) | 2.4401% | 3,944 |
| Net charge-offs to loans | 0.0870% | 1,232 |
| Credit loss provision to net charge-offs | 238.4615% | 952 |
| Earnings coverage of net charge-offs (x) | 36.2308% | 1,218 |
| Efficiency ratio | 53.0784% | 4,613 |
| Assets per employee ($millions) | 2.8015% | 5,069 |
| Cash dividends to net income (ytd only)* | 85.9091% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 1,913 |
| Loan loss allowance to noncurrent loans | 139.3728% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.7201% | 1,948 |
| Noncurrent loans to loans | 0.9618% | 1,734 |
| Net loans and leases to total assets | 72.4739% | 2,079 |
| Net loans and leases to deposits | 83.2073% | 2,479 |
| Net loans and leases to core deposits | 88.3487% | 2,651 |
| Total domestic deposits to total assets | 87.1004% | 1,757 |
| Equity capital to assets | 12.6485% | 1,655 |
| Core capital (leverage) ratio | 12.7867% | 1,364 |
| Tier 1 risk-based capital ratio | 30.1252% | 469 |
| Total risk-based capital ratio | 31.3891% | 461 |
| Memoranda: | ||
| Average total assets | $80,383,000 | 4,412 |
| Average earning assets | $77,657,500 | 4,345 |
| Average equity | $10,163,500 | 4,307 |
| Average total loans | $59,782,500 | 4,091 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0982% | 848 |
| Cost of funding earning assets | 0.4848% | 3,445 |
| Net interest margin | 4.6134% | 589 |
| Noninterest income to average assets | 1.0451% | 867 |
| Noninterest expense to average assets | 2.9639% | 2,153 |
| Loan and lease loss provision to assets | 0.2248% | 792 |
| Net operating income to assets | 2.3199% | 211 |
| Return on assets (ROA) | 2.3113% | 202 |
| Pretax return on assets | 2.3113% | 291 |
| Return on Equity (ROE) | 19.5273% | 281 |
| Retained earnings to average equity (ytd only) | 5.6672% | 2,375 |
| Net charge-offs to loans | -0.0213% | 4,719 |
| Credit loss provision to net charge-offs | -1,423.0769% | 4,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1877% | 4,697 |
| Assets per employee ($millions) | 2.8401% | 5,072 |
| Cash dividends to net income (ytd only)* | 70.9779% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 2,008 |
| Loan loss allowance to noncurrent loans | 87.0824% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.1292% | 1,176 |
| Noncurrent loans to loans | 1.4995% | 1,015 |
| Net loans and leases to total assets | 74.3219% | 1,882 |
| Net loans and leases to deposits | 85.3966% | 2,360 |
| Net loans and leases to core deposits | 89.7635% | 2,592 |
| Total domestic deposits to total assets | 87.0314% | 1,771 |
| Equity capital to assets | 12.6391% | 1,517 |
| Core capital (leverage) ratio | 12.5407% | 1,434 |
| Tier 1 risk-based capital ratio | 28.7328% | 526 |
| Total risk-based capital ratio | 29.9946% | 518 |
| Memoranda: | ||
| Average total assets | $82,289,600 | 4,397 |
| Average earning assets | $79,615,600 | 4,321 |
| Average equity | $9,740,200 | 4,340 |
| Average total loans | $60,934,000 | 4,071 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0180% | 914 |
| Cost of funding earning assets | 0.4601% | 3,453 |
| Net interest margin | 4.5579% | 651 |
| Noninterest income to average assets | 1.0460% | 868 |
| Noninterest expense to average assets | 2.8970% | 2,313 |
| Loan and lease loss provision to assets | 0.2474% | 639 |
| Net operating income to assets | 2.3105% | 223 |
| Return on assets (ROA) | 2.2993% | 224 |
| Pretax return on assets | 2.2993% | 341 |
| Return on Equity (ROE) | 19.7459% | 291 |
| Retained earnings to average equity (ytd only) | 5.9611% | 2,675 |
| Net charge-offs to loans | -0.0305% | 4,757 |
| Credit loss provision to net charge-offs | -1,100.0000% | 4,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3711% | 4,772 |
| Assets per employee ($millions) | 3.1584% | 4,922 |
| Cash dividends to net income (ytd only)* | 69.8116% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 2,469 |
| Loan loss allowance to noncurrent loans | 64.4940% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 1.4199% | 933 |
| Noncurrent loans to loans | 1.9038% | 794 |
| Net loans and leases to total assets | 73.6675% | 2,044 |
| Net loans and leases to deposits | 83.9509% | 2,604 |
| Net loans and leases to core deposits | 88.5621% | 2,791 |
| Total domestic deposits to total assets | 87.7507% | 1,361 |
| Equity capital to assets | 11.9412% | 1,948 |
| Core capital (leverage) ratio | 12.2499% | 1,648 |
| Tier 1 risk-based capital ratio | 27.4529% | 598 |
| Total risk-based capital ratio | 28.7120% | 591 |
| Memoranda: | ||
| Average total assets | $82,981,250 | 4,420 |
| Average earning assets | $80,268,750 | 4,362 |
| Average equity | $9,662,500 | 4,393 |
| Average total loans | $61,196,250 | 4,103 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9484% | 924 |
| Cost of funding earning assets | 0.4355% | 3,457 |
| Net interest margin | 4.5130% | 680 |
| Noninterest income to average assets | 1.0712% | 839 |
| Noninterest expense to average assets | 2.9063% | 2,342 |
| Loan and lease loss provision to assets | 0.2738% | 546 |
| Net operating income to assets | 2.2722% | 224 |
| Return on assets (ROA) | 2.2554% | 229 |
| Pretax return on assets | 2.2554% | 354 |
| Return on Equity (ROE) | 19.5327% | 294 |
| Retained earnings to average equity (ytd only) | 6.0532% | 2,531 |
| Net charge-offs to loans | -0.0360% | 4,803 |
| Credit loss provision to net charge-offs | -1,036.3636% | 4,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5991% | 4,822 |
| Assets per employee ($millions) | 3.0604% | 5,059 |
| Cash dividends to net income (ytd only)* | 69.0096% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 2,919 |
| Loan loss allowance to noncurrent loans | 70.3373% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 1.2199% | 1,177 |
| Noncurrent loans to loans | 1.6524% | 969 |
| Net loans and leases to total assets | 72.9681% | 2,122 |
| Net loans and leases to deposits | 82.8911% | 2,671 |
| Net loans and leases to core deposits | 86.6395% | 2,858 |
| Total domestic deposits to total assets | 88.0289% | 1,369 |
| Equity capital to assets | 11.7545% | 2,017 |
| Core capital (leverage) ratio | 11.9427% | 1,756 |
| Tier 1 risk-based capital ratio | 27.0702% | 602 |
| Total risk-based capital ratio | 28.3275% | 595 |
| Memoranda: | ||
| Average total assets | $83,268,670 | 4,465 |
| Average earning assets | $80,833,670 | 4,387 |
| Average equity | $9,614,670 | 4,435 |
| Average total loans | $61,179,330 | 4,134 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8651% | 939 |
| Cost of funding earning assets | 0.4338% | 3,338 |
| Net interest margin | 4.4313% | 717 |
| Noninterest income to average assets | 1.0193% | 881 |
| Noninterest expense to average assets | 2.9861% | 2,099 |
| Loan and lease loss provision to assets | 0.3063% | 420 |
| Net operating income to assets | 2.0290% | 350 |
| Return on assets (ROA) | 1.9955% | 379 |
| Pretax return on assets | 1.9955% | 575 |
| Return on Equity (ROE) | 17.4377% | 465 |
| Retained earnings to average equity (ytd only) | 3.8890% | 3,639 |
| Net charge-offs to loans | -0.0979% | 5,198 |
| Credit loss provision to net charge-offs | -426.6667% | 3,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3957% | 4,658 |
| Assets per employee ($millions) | 3.0230% | 5,134 |
| Cash dividends to net income (ytd only)* | 77.6978% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0768% | 3,517 |
| Loan loss allowance to noncurrent loans | 50.5335% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.5595% | 876 |
| Noncurrent loans to loans | 2.1309% | 724 |
| Net loans and leases to total assets | 71.9570% | 2,173 |
| Net loans and leases to deposits | 81.2822% | 2,660 |
| Net loans and leases to core deposits | 85.4597% | 2,851 |
| Total domestic deposits to total assets | 88.5274% | 1,342 |
| Equity capital to assets | 11.2789% | 2,323 |
| Core capital (leverage) ratio | 11.7790% | 1,791 |
| Tier 1 risk-based capital ratio | 25.9674% | 689 |
| Total risk-based capital ratio | 27.2234% | 671 |
| Memoranda: | ||
| Average total assets | $83,587,000 | 4,506 |
| Average earning assets | $81,150,000 | 4,427 |
| Average equity | $9,565,500 | 4,489 |
| Average total loans | $61,267,000 | 4,171 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7831% | 1,007 |
| Cost of funding earning assets | 0.4474% | 2,803 |
| Net interest margin | 4.3357% | 895 |
| Noninterest income to average assets | 1.0259% | 969 |
| Noninterest expense to average assets | 2.8003% | 2,779 |
| Loan and lease loss provision to assets | 0.2678% | 671 |
| Net operating income to assets | 2.1642% | 205 |
| Return on assets (ROA) | 2.1642% | 207 |
| Pretax return on assets | 2.1642% | 338 |
| Return on Equity (ROE) | 19.2857% | 226 |
| Retained earnings to average equity (ytd only) | 6.4357% | 1,312 |
| Net charge-offs to loans | 0.7007% | 303 |
| Credit loss provision to net charge-offs | 54.3689% | 3,278 |
| Earnings coverage of net charge-offs (x) | 4.9369% | 3,395 |
| Efficiency ratio | 52.9250% | 5,043 |
| Assets per employee ($millions) | 2.8458% | 5,294 |
| Cash dividends to net income (ytd only)* | 66.6298% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 4,171 |
| Loan loss allowance to noncurrent loans | 64.4592% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.1075% | 1,369 |
| Noncurrent loans to loans | 1.4861% | 1,148 |
| Net loans and leases to total assets | 73.1609% | 2,067 |
| Net loans and leases to deposits | 83.7492% | 2,520 |
| Net loans and leases to core deposits | 88.2270% | 2,703 |
| Total domestic deposits to total assets | 87.3572% | 1,832 |
| Equity capital to assets | 11.6129% | 2,107 |
| Core capital (leverage) ratio | 11.6439% | 1,835 |
| Tier 1 risk-based capital ratio | 22.5757% | 953 |
| Total risk-based capital ratio | 23.8264% | 934 |
| Memoranda: | ||
| Average total assets | $83,632,800 | 4,519 |
| Average earning assets | $81,140,400 | 4,442 |
| Average equity | $9,385,200 | 4,542 |
| Average total loans | $58,799,400 | 4,231 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7278% | 1,078 |
| Cost of funding earning assets | 0.4471% | 2,743 |
| Net interest margin | 4.2807% | 969 |
| Noninterest income to average assets | 1.0249% | 971 |
| Noninterest expense to average assets | 2.7776% | 2,804 |
| Loan and lease loss provision to assets | 0.1700% | 1,187 |
| Net operating income to assets | 2.2309% | 201 |
| Return on assets (ROA) | 2.2309% | 201 |
| Pretax return on assets | 2.2309% | 336 |
| Return on Equity (ROE) | 20.0520% | 220 |
| Retained earnings to average equity (ytd only) | 7.3267% | 1,528 |
| Net charge-offs to loans | 0.6683% | 290 |
| Credit loss provision to net charge-offs | 36.6438% | 3,026 |
| Earnings coverage of net charge-offs (x) | 5.1747% | 3,138 |
| Efficiency ratio | 53.1451% | 5,000 |
| Assets per employee ($millions) | 2.8550% | 5,353 |
| Cash dividends to net income (ytd only)* | 63.4616% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 4,219 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 1.4578% | 1,052 |
| Noncurrent loans to loans | 1.9475% | 882 |
| Net loans and leases to total assets | 72.0977% | 2,241 |
| Net loans and leases to deposits | 82.2299% | 2,755 |
| Net loans and leases to core deposits | 86.5896% | 2,912 |
| Total domestic deposits to total assets | 87.6781% | 1,524 |
| Equity capital to assets | 11.6684% | 2,214 |
| Core capital (leverage) ratio | 11.4625% | 2,048 |
| Tier 1 risk-based capital ratio | 19.8143% | 1,406 |
| Total risk-based capital ratio | 21.0311% | 1,374 |
| Memoranda: | ||
| Average total assets | $83,908,750 | 4,561 |
| Average earning assets | $81,417,750 | 4,484 |
| Average equity | $9,335,500 | 4,602 |
| Average total loans | $58,258,500 | 4,282 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6338% | 1,192 |
| Cost of funding earning assets | 0.4524% | 2,578 |
| Net interest margin | 4.1815% | 1,117 |
| Noninterest income to average assets | 1.0323% | 954 |
| Noninterest expense to average assets | 2.7599% | 2,892 |
| Loan and lease loss provision to assets | 0.1804% | 1,053 |
| Net operating income to assets | 2.1500% | 236 |
| Return on assets (ROA) | 2.1500% | 243 |
| Pretax return on assets | 2.1500% | 398 |
| Return on Equity (ROE) | 19.6380% | 233 |
| Retained earnings to average equity (ytd only) | 6.7628% | 1,708 |
| Net charge-offs to loans | 0.5835% | 335 |
| Credit loss provision to net charge-offs | 45.2381% | 2,605 |
| Earnings coverage of net charge-offs (x) | 5.8452% | 2,772 |
| Efficiency ratio | 53.6131% | 5,048 |
| Assets per employee ($millions) | 3.0440% | 5,224 |
| Cash dividends to net income (ytd only)* | 65.5629% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1547% | 3,289 |
| Loan loss allowance to noncurrent loans | 53.7125% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 1.4947% | 1,021 |
| Noncurrent loans to loans | 2.1497% | 759 |
| Net loans and leases to total assets | 68.2975% | 2,768 |
| Net loans and leases to deposits | 77.2206% | 3,197 |
| Net loans and leases to core deposits | 81.1509% | 3,333 |
| Total domestic deposits to total assets | 88.4446% | 1,234 |
| Equity capital to assets | 11.1072% | 2,698 |
| Core capital (leverage) ratio | 11.0632% | 2,346 |
| Tier 1 risk-based capital ratio | 20.9804% | 1,187 |
| Total risk-based capital ratio | 22.2339% | 1,158 |
| Memoranda: | ||
| Average total assets | $84,279,670 | 4,589 |
| Average earning assets | $81,789,670 | 4,509 |
| Average equity | $9,227,000 | 4,643 |
| Average total loans | $57,584,330 | 4,322 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5991% | 1,147 |
| Cost of funding earning assets | 0.4575% | 2,457 |
| Net interest margin | 4.1417% | 1,118 |
| Noninterest income to average assets | 0.9976% | 1,011 |
| Noninterest expense to average assets | 2.7923% | 2,824 |
| Loan and lease loss provision to assets | 0.1480% | 1,262 |
| Net operating income to assets | 2.0763% | 270 |
| Return on assets (ROA) | 2.0763% | 278 |
| Pretax return on assets | 2.0763% | 432 |
| Return on Equity (ROE) | 19.1062% | 278 |
| Retained earnings to average equity (ytd only) | 6.0613% | 2,300 |
| Net charge-offs to loans | 0.1897% | 899 |
| Credit loss provision to net charge-offs | 114.8148% | 1,442 |
| Earnings coverage of net charge-offs (x) | 17.2593% | 1,604 |
| Efficiency ratio | 55.1855% | 5,023 |
| Assets per employee ($millions) | 2.9206% | 5,413 |
| Cash dividends to net income (ytd only)* | 68.2759% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 2,255 |
| Loan loss allowance to noncurrent loans | 60.8150% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 1.5160% | 1,049 |
| Noncurrent loans to loans | 2.2381% | 746 |
| Net loans and leases to total assets | 66.3959% | 2,914 |
| Net loans and leases to deposits | 74.8835% | 3,313 |
| Net loans and leases to core deposits | 79.0542% | 3,384 |
| Total domestic deposits to total assets | 88.6656% | 1,338 |
| Equity capital to assets | 10.8893% | 2,754 |
| Core capital (leverage) ratio | 11.0622% | 2,298 |
| Tier 1 risk-based capital ratio | 17.8466% | 1,927 |
| Total risk-based capital ratio | 19.0972% | 1,877 |
| Memoranda: | ||
| Average total assets | $83,803,000 | 4,643 |
| Average earning assets | $81,320,000 | 4,562 |
| Average equity | $9,107,000 | 4,696 |
| Average total loans | $56,930,500 | 4,379 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7205% | 1,025 |
| Cost of funding earning assets | 0.4747% | 2,311 |
| Net interest margin | 4.2458% | 1,020 |
| Noninterest income to average assets | 0.8082% | 1,722 |
| Noninterest expense to average assets | 2.7117% | 3,311 |
| Loan and lease loss provision to assets | 0.1721% | 1,410 |
| Net operating income to assets | 2.0429% | 291 |
| Return on assets (ROA) | 2.0429% | 301 |
| Pretax return on assets | 2.0429% | 451 |
| Return on Equity (ROE) | 18.8920% | 271 |
| Retained earnings to average equity (ytd only) | 5.5802% | 1,964 |
| Net charge-offs to loans | 0.1407% | 1,855 |
| Credit loss provision to net charge-offs | 177.5000% | 1,577 |
| Earnings coverage of net charge-offs (x) | 22.8500% | 1,713 |
| Efficiency ratio | 55.0418% | 5,146 |
| Assets per employee ($millions) | 2.8589% | 5,448 |
| Cash dividends to net income (ytd only)* | 70.4626% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 2,270 |
| Loan loss allowance to noncurrent loans | 44.3933% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 2.1072% | 636 |
| Noncurrent loans to loans | 3.0590% | 441 |
| Net loans and leases to total assets | 67.6376% | 2,834 |
| Net loans and leases to deposits | 76.4356% | 3,271 |
| Net loans and leases to core deposits | 80.7933% | 3,326 |
| Total domestic deposits to total assets | 88.4897% | 1,383 |
| Equity capital to assets | 10.8446% | 2,768 |
| Core capital (leverage) ratio | 10.7576% | 2,584 |
| Tier 1 risk-based capital ratio | 16.9060% | 2,186 |
| Total risk-based capital ratio | 18.1590% | 2,134 |
| Memoranda: | ||
| Average total assets | $82,531,600 | 4,682 |
| Average earning assets | $80,055,600 | 4,585 |
| Average equity | $8,924,400 | 4,776 |
| Average total loans | $56,858,400 | 4,381 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7474% | 987 |
| Cost of funding earning assets | 0.4766% | 2,307 |
| Net interest margin | 4.2708% | 979 |
| Noninterest income to average assets | 0.8151% | 1,698 |
| Noninterest expense to average assets | 2.7365% | 3,232 |
| Loan and lease loss provision to assets | 0.1795% | 1,239 |
| Net operating income to assets | 2.0443% | 318 |
| Return on assets (ROA) | 2.0443% | 329 |
| Pretax return on assets | 2.0443% | 516 |
| Return on Equity (ROE) | 18.9194% | 297 |
| Retained earnings to average equity (ytd only) | 5.5830% | 2,440 |
| Net charge-offs to loans | 0.1548% | 1,455 |
| Credit loss provision to net charge-offs | 168.1818% | 1,646 |
| Earnings coverage of net charge-offs (x) | 20.8328% | 1,850 |
| Efficiency ratio | 55.1679% | 5,138 |
| Assets per employee ($millions) | 2.8052% | 5,546 |
| Cash dividends to net income (ytd only)* | 70.4905% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 2,559 |
| Loan loss allowance to noncurrent loans | 54.1607% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 1.7234% | 983 |
| Noncurrent loans to loans | 2.4443% | 726 |
| Net loans and leases to total assets | 69.1759% | 2,610 |
| Net loans and leases to deposits | 78.5331% | 3,131 |
| Net loans and leases to core deposits | 83.1182% | 3,207 |
| Total domestic deposits to total assets | 88.0851% | 1,359 |
| Equity capital to assets | 11.2388% | 2,752 |
| Core capital (leverage) ratio | 11.1394% | 2,322 |
| Tier 1 risk-based capital ratio | 17.7132% | 2,001 |
| Total risk-based capital ratio | 18.9668% | 1,957 |
| Memoranda: | ||
| Average total assets | $82,437,500 | 4,719 |
| Average earning assets | $80,014,000 | 4,623 |
| Average equity | $8,907,750 | 4,822 |
| Average total loans | $56,860,750 | 4,417 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7164% | 1,018 |
| Cost of funding earning assets | 0.4746% | 2,318 |
| Net interest margin | 4.2418% | 1,031 |
| Noninterest income to average assets | 0.8309% | 1,608 |
| Noninterest expense to average assets | 2.7222% | 3,298 |
| Loan and lease loss provision to assets | 0.1957% | 1,107 |
| Net operating income to assets | 2.0362% | 308 |
| Return on assets (ROA) | 2.0362% | 324 |
| Pretax return on assets | 2.0362% | 534 |
| Return on Equity (ROE) | 19.0954% | 289 |
| Retained earnings to average equity (ytd only) | 5.6403% | 2,341 |
| Net charge-offs to loans | 0.1127% | 1,698 |
| Credit loss provision to net charge-offs | 253.1250% | 1,088 |
| Earnings coverage of net charge-offs (x) | 28.8750% | 1,415 |
| Efficiency ratio | 54.9488% | 5,243 |
| Assets per employee ($millions) | 2.7653% | 5,631 |
| Cash dividends to net income (ytd only)* | 70.4626% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 2,627 |
| Loan loss allowance to noncurrent loans | 34.4374% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 2.7266% | 474 |
| Noncurrent loans to loans | 3.8608% | 323 |
| Net loans and leases to total assets | 67.8986% | 2,789 |
| Net loans and leases to deposits | 76.7642% | 3,298 |
| Net loans and leases to core deposits | 81.1304% | 3,353 |
| Total domestic deposits to total assets | 88.4509% | 1,195 |
| Equity capital to assets | 10.9235% | 3,145 |
| Core capital (leverage) ratio | 10.8756% | 2,559 |
| Tier 1 risk-based capital ratio | 17.3075% | 2,130 |
| Total risk-based capital ratio | 18.5609% | 2,090 |
| Memoranda: | ||
| Average total assets | $82,799,330 | 4,747 |
| Average earning assets | $80,484,330 | 4,655 |
| Average equity | $8,829,330 | 4,867 |
| Average total loans | $56,804,000 | 4,443 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7597% | 925 |
| Cost of funding earning assets | 0.4824% | 2,251 |
| Net interest margin | 4.2773% | 960 |
| Noninterest income to average assets | 0.8221% | 1,549 |
| Noninterest expense to average assets | 2.7225% | 3,342 |
| Loan and lease loss provision to assets | 0.2466% | 721 |
| Net operating income to assets | 2.0116% | 326 |
| Return on assets (ROA) | 2.0116% | 339 |
| Pretax return on assets | 2.0116% | 550 |
| Return on Equity (ROE) | 19.0979% | 287 |
| Retained earnings to average equity (ytd only) | 5.4631% | 2,679 |
| Net charge-offs to loans | 0.1412% | 1,261 |
| Credit loss provision to net charge-offs | 255.0000% | 933 |
| Earnings coverage of net charge-offs (x) | 23.3500% | 1,369 |
| Efficiency ratio | 54.6602% | 5,315 |
| Assets per employee ($millions) | 2.9469% | 5,553 |
| Cash dividends to net income (ytd only)* | 71.3942% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 2,877 |
| Loan loss allowance to noncurrent loans | 46.3415% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 2.0082% | 862 |
| Noncurrent loans to loans | 2.8134% | 612 |
| Net loans and leases to total assets | 67.9832% | 2,652 |
| Net loans and leases to deposits | 76.6996% | 3,140 |
| Net loans and leases to core deposits | 81.0727% | 3,227 |
| Total domestic deposits to total assets | 88.6357% | 1,291 |
| Equity capital to assets | 10.7050% | 3,252 |
| Core capital (leverage) ratio | 10.6734% | 2,767 |
| Tier 1 risk-based capital ratio | 17.1682% | 2,223 |
| Total risk-based capital ratio | 18.4200% | 2,192 |
| Memoranda: | ||
| Average total assets | $82,719,500 | 4,793 |
| Average earning assets | $80,424,500 | 4,694 |
| Average equity | $8,713,000 | 4,918 |
| Average total loans | $56,662,500 | 4,483 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6766% | 1,158 |
| Cost of funding earning assets | 0.5076% | 2,093 |
| Net interest margin | 4.1690% | 1,237 |
| Noninterest income to average assets | 0.8618% | 1,564 |
| Noninterest expense to average assets | 2.7308% | 3,482 |
| Loan and lease loss provision to assets | 0.1948% | 1,126 |
| Net operating income to assets | 1.9862% | 351 |
| Return on assets (ROA) | 1.9862% | 359 |
| Pretax return on assets | 1.9862% | 552 |
| Return on Equity (ROE) | 19.3942% | 280 |
| Retained earnings to average equity (ytd only) | 5.0923% | 2,355 |
| Net charge-offs to loans | 0.2922% | 1,042 |
| Credit loss provision to net charge-offs | 98.7500% | 2,576 |
| Earnings coverage of net charge-offs (x) | 11.0563% | 2,626 |
| Efficiency ratio | 55.5974% | 5,387 |
| Assets per employee ($millions) | 2.8595% | 5,650 |
| Cash dividends to net income (ytd only)* | 73.7430% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 3,125 |
| Loan loss allowance to noncurrent loans | 42.9262% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 2.0645% | 839 |
| Noncurrent loans to loans | 2.9280% | 560 |
| Net loans and leases to total assets | 67.2636% | 2,826 |
| Net loans and leases to deposits | 75.6643% | 3,298 |
| Net loans and leases to core deposits | 80.2264% | 3,317 |
| Total domestic deposits to total assets | 88.8973% | 1,172 |
| Equity capital to assets | 10.3623% | 3,553 |
| Core capital (leverage) ratio | 10.6021% | 2,823 |
| Tier 1 risk-based capital ratio | 16.5700% | 2,443 |
| Total risk-based capital ratio | 17.8213% | 2,399 |
| Memoranda: | ||
| Average total assets | $81,111,200 | 4,843 |
| Average earning assets | $78,796,800 | 4,746 |
| Average equity | $8,306,600 | 5,002 |
| Average total loans | $54,765,000 | 4,537 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6304% | 1,258 |
| Cost of funding earning assets | 0.5139% | 2,091 |
| Net interest margin | 4.1164% | 1,371 |
| Noninterest income to average assets | 0.8695% | 1,549 |
| Noninterest expense to average assets | 2.7606% | 3,343 |
| Loan and lease loss provision to assets | 0.1488% | 1,468 |
| Net operating income to assets | 1.9589% | 388 |
| Return on assets (ROA) | 1.9589% | 405 |
| Pretax return on assets | 1.9589% | 652 |
| Return on Equity (ROE) | 19.1859% | 325 |
| Retained earnings to average equity (ytd only) | 4.7600% | 3,081 |
| Net charge-offs to loans | 0.0147% | 3,665 |
| Credit loss provision to net charge-offs | 1,500.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 212.4950% | 338 |
| Efficiency ratio | 56.7063% | 5,258 |
| Assets per employee ($millions) | 2.8061% | 5,754 |
| Cash dividends to net income (ytd only)* | 75.1899% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 2,557 |
| Loan loss allowance to noncurrent loans | 47.5508% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 2.1284% | 926 |
| Noncurrent loans to loans | 2.9603% | 604 |
| Net loans and leases to total assets | 68.5108% | 2,600 |
| Net loans and leases to deposits | 77.1216% | 3,182 |
| Net loans and leases to core deposits | 81.8642% | 3,264 |
| Total domestic deposits to total assets | 88.8347% | 1,110 |
| Equity capital to assets | 10.4317% | 3,669 |
| Core capital (leverage) ratio | 10.3087% | 3,247 |
| Tier 1 risk-based capital ratio | 15.7871% | 2,904 |
| Total risk-based capital ratio | 17.0397% | 2,837 |
| Memoranda: | ||
| Average total assets | $80,657,500 | 4,911 |
| Average earning assets | $78,350,500 | 4,812 |
| Average equity | $8,235,000 | 5,083 |
| Average total loans | $54,334,000 | 4,594 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6022% | 1,275 |
| Cost of funding earning assets | 0.5122% | 2,143 |
| Net interest margin | 4.0900% | 1,378 |
| Noninterest income to average assets | 0.8779% | 1,520 |
| Noninterest expense to average assets | 2.8228% | 3,153 |
| Loan and lease loss provision to assets | 0.1492% | 1,429 |
| Net operating income to assets | 1.8777% | 444 |
| Return on assets (ROA) | 1.8777% | 463 |
| Pretax return on assets | 1.8777% | 766 |
| Return on Equity (ROE) | 18.5269% | 372 |
| Retained earnings to average equity (ytd only) | 3.9508% | 3,493 |
| Net charge-offs to loans | 0.0037% | 3,767 |
| Credit loss provision to net charge-offs | 6,000.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 815.0000% | 77 |
| Efficiency ratio | 58.2051% | 5,197 |
| Assets per employee ($millions) | 2.7830% | 5,827 |
| Cash dividends to net income (ytd only)* | 78.6755% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4147% | 2,687 |
| Loan loss allowance to noncurrent loans | 34.6985% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 2.8251% | 614 |
| Noncurrent loans to loans | 4.0770% | 368 |
| Net loans and leases to total assets | 66.5750% | 2,853 |
| Net loans and leases to deposits | 74.7246% | 3,408 |
| Net loans and leases to core deposits | 79.3402% | 3,461 |
| Total domestic deposits to total assets | 89.0937% | 1,105 |
| Equity capital to assets | 10.1876% | 3,818 |
| Core capital (leverage) ratio | 10.3950% | 3,088 |
| Tier 1 risk-based capital ratio | 15.2479% | 3,225 |
| Total risk-based capital ratio | 16.5001% | 3,160 |
| Memoranda: | ||
| Average total assets | $80,417,670 | 4,970 |
| Average earning assets | $78,092,670 | 4,869 |
| Average equity | $8,150,330 | 5,134 |
| Average total loans | $53,596,000 | 4,655 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5619% | 1,304 |
| Cost of funding earning assets | 0.5074% | 2,226 |
| Net interest margin | 4.0544% | 1,401 |
| Noninterest income to average assets | 0.8670% | 1,508 |
| Noninterest expense to average assets | 2.8951% | 2,921 |
| Loan and lease loss provision to assets | 0.1495% | 1,361 |
| Net operating income to assets | 1.7640% | 517 |
| Return on assets (ROA) | 1.7640% | 545 |
| Pretax return on assets | 1.7640% | 931 |
| Return on Equity (ROE) | 17.4502% | 435 |
| Retained earnings to average equity (ytd only) | 2.8098% | 4,279 |
| Net charge-offs to loans | 0.0151% | 2,864 |
| Credit loss provision to net charge-offs | 1,500.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 192.0000% | 289 |
| Efficiency ratio | 60.2073% | 5,067 |
| Assets per employee ($millions) | 2.9909% | 5,672 |
| Cash dividends to net income (ytd only)* | 83.8983% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3916% | 2,953 |
| Loan loss allowance to noncurrent loans | 32.6711% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 2.8767% | 678 |
| Noncurrent loans to loans | 4.2594% | 380 |
| Net loans and leases to total assets | 64.9338% | 2,950 |
| Net loans and leases to deposits | 72.9727% | 3,436 |
| Net loans and leases to core deposits | 77.1924% | 3,465 |
| Total domestic deposits to total assets | 88.9837% | 1,284 |
| Equity capital to assets | 10.2510% | 3,831 |
| Core capital (leverage) ratio | 10.3993% | 3,101 |
| Tier 1 risk-based capital ratio | 14.8203% | 3,533 |
| Total risk-based capital ratio | 16.0702% | 3,468 |
| Memoranda: | ||
| Average total assets | $80,273,500 | 5,018 |
| Average earning assets | $78,038,500 | 4,915 |
| Average equity | $8,114,500 | 5,188 |
| Average total loans | $53,143,500 | 4,696 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7273% | 1,241 |
| Cost of funding earning assets | 0.5857% | 1,897 |
| Net interest margin | 4.1416% | 1,459 |
| Noninterest income to average assets | 0.8558% | 1,659 |
| Noninterest expense to average assets | 2.7658% | 3,609 |
| Loan and lease loss provision to assets | 0.1327% | 1,969 |
| Net operating income to assets | 1.9619% | 349 |
| Return on assets (ROA) | 1.9619% | 362 |
| Pretax return on assets | 1.9619% | 549 |
| Return on Equity (ROE) | 20.9588% | 210 |
| Retained earnings to average equity (ytd only) | 4.9156% | 2,666 |
| Net charge-offs to loans | 0.1633% | 2,402 |
| Credit loss provision to net charge-offs | 125.0000% | 1,911 |
| Earnings coverage of net charge-offs (x) | 19.7262% | 1,762 |
| Efficiency ratio | 56.9051% | 5,578 |
| Assets per employee ($millions) | 2.8498% | 5,887 |
| Cash dividends to net income (ytd only)* | 76.5464% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 3,230 |
| Loan loss allowance to noncurrent loans | 35.7430% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 2.5691% | 882 |
| Noncurrent loans to loans | 3.7506% | 526 |
| Net loans and leases to total assets | 65.6678% | 2,952 |
| Net loans and leases to deposits | 73.6417% | 3,479 |
| Net loans and leases to core deposits | 78.5404% | 3,462 |
| Total domestic deposits to total assets | 89.1721% | 1,137 |
| Equity capital to assets | 9.9644% | 4,158 |
| Core capital (leverage) ratio | 10.2250% | 3,280 |
| Tier 1 risk-based capital ratio | 14.8028% | 3,602 |
| Total risk-based capital ratio | 16.0527% | 3,533 |
| Memoranda: | ||
| Average total assets | $79,107,800 | 5,091 |
| Average earning assets | $76,492,400 | 4,969 |
| Average equity | $7,405,000 | 5,325 |
| Average total loans | $51,451,200 | 4,769 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7499% | 1,190 |
| Cost of funding earning assets | 0.5966% | 1,871 |
| Net interest margin | 4.1533% | 1,420 |
| Noninterest income to average assets | 0.8631% | 1,649 |
| Noninterest expense to average assets | 2.7769% | 3,554 |
| Loan and lease loss provision to assets | 0.1351% | 1,844 |
| Net operating income to assets | 1.9610% | 371 |
| Return on assets (ROA) | 1.9610% | 383 |
| Pretax return on assets | 1.9610% | 624 |
| Return on Equity (ROE) | 21.2968% | 218 |
| Retained earnings to average equity (ytd only) | 4.9527% | 3,109 |
| Net charge-offs to loans | 0.1254% | 2,545 |
| Credit loss provision to net charge-offs | 166.6667% | 1,468 |
| Earnings coverage of net charge-offs (x) | 25.8536% | 1,498 |
| Efficiency ratio | 56.9844% | 5,559 |
| Assets per employee ($millions) | 2.8376% | 5,925 |
| Cash dividends to net income (ytd only)* | 76.7442% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3882% | 3,232 |
| Loan loss allowance to noncurrent loans | 36.8689% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 2.7035% | 929 |
| Noncurrent loans to loans | 3.7654% | 601 |
| Net loans and leases to total assets | 64.6390% | 3,083 |
| Net loans and leases to deposits | 72.2636% | 3,660 |
| Net loans and leases to core deposits | 77.3635% | 3,598 |
| Total domestic deposits to total assets | 89.4490% | 1,008 |
| Equity capital to assets | 9.7430% | 4,493 |
| Core capital (leverage) ratio | 10.2487% | 3,341 |
| Tier 1 risk-based capital ratio | 14.6193% | 3,806 |
| Total risk-based capital ratio | 15.8696% | 3,748 |
| Memoranda: | ||
| Average total assets | $78,936,250 | 5,145 |
| Average earning assets | $76,209,750 | 5,037 |
| Average equity | $7,268,500 | 5,395 |
| Average total loans | $51,036,250 | 4,831 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7581% | 1,162 |
| Cost of funding earning assets | 0.6083% | 1,831 |
| Net interest margin | 4.1498% | 1,384 |
| Noninterest income to average assets | 0.8354% | 1,720 |
| Noninterest expense to average assets | 2.8033% | 3,492 |
| Loan and lease loss provision to assets | 0.1270% | 1,946 |
| Net operating income to assets | 1.9070% | 406 |
| Return on assets (ROA) | 1.9070% | 423 |
| Pretax return on assets | 1.9070% | 675 |
| Return on Equity (ROE) | 21.1222% | 238 |
| Retained earnings to average equity (ytd only) | 4.4157% | 3,364 |
| Net charge-offs to loans | 0.1933% | 1,868 |
| Credit loss provision to net charge-offs | 102.0408% | 1,947 |
| Earnings coverage of net charge-offs (x) | 16.3469% | 1,799 |
| Efficiency ratio | 57.9528% | 5,558 |
| Assets per employee ($millions) | 2.8504% | 5,961 |
| Cash dividends to net income (ytd only)* | 79.0945% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 3,673 |
| Loan loss allowance to noncurrent loans | 44.9935% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 2.2240% | 1,360 |
| Noncurrent loans to loans | 2.9653% | 989 |
| Net loans and leases to total assets | 64.1194% | 3,058 |
| Net loans and leases to deposits | 71.3718% | 3,652 |
| Net loans and leases to core deposits | 76.3544% | 3,594 |
| Total domestic deposits to total assets | 89.8386% | 885 |
| Equity capital to assets | 9.4059% | 4,838 |
| Core capital (leverage) ratio | 10.0100% | 3,595 |
| Tier 1 risk-based capital ratio | 14.0966% | 4,199 |
| Total risk-based capital ratio | 15.3035% | 4,152 |
| Memoranda: | ||
| Average total assets | $78,764,330 | 5,192 |
| Average earning assets | $75,955,000 | 5,074 |
| Average equity | $7,111,000 | 5,465 |
| Average total loans | $50,688,330 | 4,876 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7713% | 1,103 |
| Cost of funding earning assets | 0.6323% | 1,713 |
| Net interest margin | 4.1390% | 1,368 |
| Noninterest income to average assets | 0.8487% | 1,569 |
| Noninterest expense to average assets | 2.8016% | 3,560 |
| Loan and lease loss provision to assets | 0.1278% | 1,902 |
| Net operating income to assets | 1.9018% | 391 |
| Return on assets (ROA) | 1.9018% | 410 |
| Pretax return on assets | 1.9018% | 647 |
| Return on Equity (ROE) | 21.5247% | 222 |
| Retained earnings to average equity (ytd only) | 4.3396% | 3,524 |
| Net charge-offs to loans | 0.3992% | 916 |
| Credit loss provision to net charge-offs | 50.0000% | 2,203 |
| Earnings coverage of net charge-offs (x) | 7.9400% | 2,070 |
| Efficiency ratio | 57.9894% | 5,649 |
| Assets per employee ($millions) | 2.8753% | 6,010 |
| Cash dividends to net income (ytd only)* | 79.8387% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3166% | 4,032 |
| Loan loss allowance to noncurrent loans | 37.8624% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 2.7388% | 1,106 |
| Noncurrent loans to loans | 3.4772% | 844 |
| Net loans and leases to total assets | 62.0055% | 3,241 |
| Net loans and leases to deposits | 68.6063% | 3,780 |
| Net loans and leases to core deposits | 73.9632% | 3,653 |
| Total domestic deposits to total assets | 90.3787% | 872 |
| Equity capital to assets | 8.9245% | 5,192 |
| Core capital (leverage) ratio | 9.8421% | 3,805 |
| Tier 1 risk-based capital ratio | 14.1483% | 4,225 |
| Total risk-based capital ratio | 14.1483% | 5,004 |
| Memoranda: | ||
| Average total assets | $78,240,500 | 5,253 |
| Average earning assets | $75,283,500 | 5,140 |
| Average equity | $6,913,000 | 5,538 |
| Average total loans | $50,099,000 | 4,928 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9435% | 1,016 |
| Cost of funding earning assets | 0.6696% | 2,042 |
| Net interest margin | 4.2738% | 1,166 |
| Noninterest income to average assets | 0.8944% | 1,695 |
| Noninterest expense to average assets | 2.8618% | 3,488 |
| Loan and lease loss provision to assets | 0.1445% | 2,497 |
| Net operating income to assets | 1.9871% | 348 |
| Return on assets (ROA) | 1.9963% | 344 |
| Pretax return on assets | 1.9963% | 486 |
| Return on Equity (ROE) | 21.1794% | 222 |
| Retained earnings to average equity (ytd only) | 4.6260% | 2,867 |
| Net charge-offs to loans | 0.1778% | 3,049 |
| Credit loss provision to net charge-offs | 125.0000% | 1,900 |
| Earnings coverage of net charge-offs (x) | 18.4432% | 1,651 |
| Efficiency ratio | 57.3119% | 5,816 |
| Assets per employee ($millions) | 2.7133% | 6,204 |
| Cash dividends to net income (ytd only)* | 78.1579% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 3,691 |
| Loan loss allowance to noncurrent loans | 51.9159% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 2.2824% | 1,548 |
| Noncurrent loans to loans | 2.6828% | 1,371 |
| Net loans and leases to total assets | 64.3935% | 2,976 |
| Net loans and leases to deposits | 71.2127% | 3,625 |
| Net loans and leases to core deposits | 77.1211% | 3,473 |
| Total domestic deposits to total assets | 90.4241% | 859 |
| Equity capital to assets | 8.7414% | 5,323 |
| Core capital (leverage) ratio | 10.4092% | 3,011 |
| Tier 1 risk-based capital ratio | 15.2690% | 3,502 |
| Total risk-based capital ratio | 15.2690% | 4,219 |
| Memoranda: | ||
| Average total assets | $76,140,800 | 5,325 |
| Average earning assets | $73,025,600 | 5,224 |
| Average equity | $7,176,800 | 5,528 |
| Average total loans | $49,507,200 | 4,981 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9397% | 1,048 |
| Cost of funding earning assets | 0.6843% | 2,065 |
| Net interest margin | 4.2554% | 1,195 |
| Noninterest income to average assets | 0.8821% | 1,814 |
| Noninterest expense to average assets | 2.8405% | 3,523 |
| Loan and lease loss provision to assets | 0.1260% | 2,721 |
| Net operating income to assets | 1.9969% | 365 |
| Return on assets (ROA) | 1.9969% | 375 |
| Pretax return on assets | 1.9969% | 580 |
| Return on Equity (ROE) | 20.8091% | 254 |
| Retained earnings to average equity (ytd only) | 4.5595% | 3,428 |
| Net charge-offs to loans | 0.0350% | 4,440 |
| Credit loss provision to net charge-offs | 553.8462% | 509 |
| Earnings coverage of net charge-offs (x) | 93.3231% | 521 |
| Efficiency ratio | 57.2285% | 5,773 |
| Assets per employee ($millions) | 2.6890% | 6,285 |
| Cash dividends to net income (ytd only)* | 78.0891% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4837% | 3,516 |
| Loan loss allowance to noncurrent loans | 69.1358% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 2.0162% | 1,990 |
| Noncurrent loans to loans | 2.1461% | 2,078 |
| Net loans and leases to total assets | 64.2016% | 2,968 |
| Net loans and leases to deposits | 71.6649% | 3,555 |
| Net loans and leases to core deposits | 77.7188% | 3,395 |
| Total domestic deposits to total assets | 89.5857% | 1,234 |
| Equity capital to assets | 9.0994% | 5,062 |
| Core capital (leverage) ratio | 10.2919% | 3,256 |
| Tier 1 risk-based capital ratio | 15.5198% | 3,465 |
| Total risk-based capital ratio | 16.7722% | 3,420 |
| Memoranda: | ||
| Average total assets | $76,183,000 | 5,380 |
| Average earning assets | $73,065,500 | 5,272 |
| Average equity | $7,310,750 | 5,556 |
| Average total loans | $49,481,000 | 5,029 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8771% | 1,149 |
| Cost of funding earning assets | 0.6932% | 2,118 |
| Net interest margin | 4.1839% | 1,321 |
| Noninterest income to average assets | 0.8604% | 1,964 |
| Noninterest expense to average assets | 2.8060% | 3,655 |
| Loan and lease loss provision to assets | 0.1177% | 2,856 |
| Net operating income to assets | 1.9613% | 378 |
| Return on assets (ROA) | 1.9613% | 406 |
| Pretax return on assets | 1.9613% | 649 |
| Return on Equity (ROE) | 20.0965% | 295 |
| Retained earnings to average equity (ytd only) | 4.1801% | 3,629 |
| Net charge-offs to loans | 0.0685% | 3,731 |
| Credit loss provision to net charge-offs | 264.7059% | 953 |
| Earnings coverage of net charge-offs (x) | 46.7647% | 834 |
| Efficiency ratio | 57.4411% | 5,806 |
| Assets per employee ($millions) | 2.7200% | 6,269 |
| Cash dividends to net income (ytd only)* | 79.2000% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3901% | 4,087 |
| Loan loss allowance to noncurrent loans | 44.1978% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 2.6694% | 1,564 |
| Noncurrent loans to loans | 3.1451% | 1,396 |
| Net loans and leases to total assets | 64.9212% | 2,768 |
| Net loans and leases to deposits | 72.0842% | 3,439 |
| Net loans and leases to core deposits | 77.7458% | 3,329 |
| Total domestic deposits to total assets | 90.0630% | 990 |
| Equity capital to assets | 9.2371% | 4,936 |
| Core capital (leverage) ratio | 10.0141% | 3,488 |
| Tier 1 risk-based capital ratio | 14.7648% | 3,930 |
| Total risk-based capital ratio | 16.0166% | 3,893 |
| Memoranda: | ||
| Average total assets | $76,480,330 | 5,405 |
| Average earning assets | $73,568,330 | 5,288 |
| Average equity | $7,464,000 | 5,572 |
| Average total loans | $49,619,330 | 5,040 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7822% | 1,327 |
| Cost of funding earning assets | 0.7065% | 2,153 |
| Net interest margin | 4.0758% | 1,536 |
| Noninterest income to average assets | 0.8403% | 1,961 |
| Noninterest expense to average assets | 2.7714% | 3,798 |
| Loan and lease loss provision to assets | 0.1200% | 2,721 |
| Net operating income to assets | 1.8632% | 428 |
| Return on assets (ROA) | 1.8632% | 468 |
| Pretax return on assets | 1.8632% | 784 |
| Return on Equity (ROE) | 18.5974% | 394 |
| Retained earnings to average equity (ytd only) | 3.1256% | 4,396 |
| Net charge-offs to loans | 0.1135% | 2,747 |
| Credit loss provision to net charge-offs | 164.2857% | 1,276 |
| Earnings coverage of net charge-offs (x) | 27.1429% | 1,015 |
| Efficiency ratio | 58.2876% | 5,812 |
| Assets per employee ($millions) | 2.7707% | 6,322 |
| Cash dividends to net income (ytd only)* | 83.1933% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3882% | 4,297 |
| Loan loss allowance to noncurrent loans | 53.6392% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 2.2339% | 2,087 |
| Noncurrent loans to loans | 2.5880% | 1,997 |
| Net loans and leases to total assets | 62.0812% | 3,044 |
| Net loans and leases to deposits | 69.3507% | 3,595 |
| Net loans and leases to core deposits | 74.7138% | 3,494 |
| Total domestic deposits to total assets | 89.5178% | 1,348 |
| Equity capital to assets | 9.8764% | 4,309 |
| Core capital (leverage) ratio | 9.9000% | 3,531 |
| Tier 1 risk-based capital ratio | 14.2626% | 4,315 |
| Total risk-based capital ratio | 15.5261% | 4,276 |
| Memoranda: | ||
| Average total assets | $76,640,500 | 5,446 |
| Average earning assets | $73,606,000 | 5,334 |
| Average equity | $7,678,500 | 5,588 |
| Average total loans | $49,358,500 | 5,078 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2259% | 1,067 |
| Cost of funding earning assets | 0.8123% | 2,567 |
| Net interest margin | 4.4135% | 1,137 |
| Noninterest income to average assets | 0.8553% | 2,015 |
| Noninterest expense to average assets | 2.8471% | 3,850 |
| Loan and lease loss provision to assets | 0.1278% | 4,016 |
| Net operating income to assets | 2.0967% | 303 |
| Return on assets (ROA) | 2.0967% | 334 |
| Pretax return on assets | 2.0967% | 494 |
| Return on Equity (ROE) | 20.7094% | 276 |
| Retained earnings to average equity (ytd only) | 4.9283% | 2,747 |
| Net charge-offs to loans | 0.1175% | 4,514 |
| Credit loss provision to net charge-offs | 166.6667% | 1,592 |
| Earnings coverage of net charge-offs (x) | 29.0175% | 1,031 |
| Efficiency ratio | 56.1390% | 6,041 |
| Assets per employee ($millions) | 2.6104% | 6,529 |
| Cash dividends to net income (ytd only)* | 76.2027% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 4,449 |
| Loan loss allowance to noncurrent loans | 53.6918% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 2.2470% | 2,183 |
| Noncurrent loans to loans | 2.4981% | 2,114 |
| Net loans and leases to total assets | 65.0022% | 2,719 |
| Net loans and leases to deposits | 72.9450% | 3,256 |
| Net loans and leases to core deposits | 77.1672% | 3,376 |
| Total domestic deposits to total assets | 89.1113% | 1,490 |
| Equity capital to assets | 10.1649% | 3,938 |
| Core capital (leverage) ratio | 9.9443% | 3,473 |
| Tier 1 risk-based capital ratio | 14.0789% | 4,320 |
| Total risk-based capital ratio | 15.3192% | 4,291 |
| Memoranda: | ||
| Average total assets | $74,356,600 | 5,499 |
| Average earning assets | $71,031,400 | 5,395 |
| Average equity | $7,528,000 | 5,630 |
| Average total loans | $48,501,800 | 5,159 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2554% | 1,090 |
| Cost of funding earning assets | 0.8306% | 2,702 |
| Net interest margin | 4.4248% | 1,151 |
| Noninterest income to average assets | 0.8772% | 1,920 |
| Noninterest expense to average assets | 2.8604% | 3,745 |
| Loan and lease loss provision to assets | 0.1315% | 3,903 |
| Net operating income to assets | 2.1075% | 324 |
| Return on assets (ROA) | 2.1075% | 364 |
| Pretax return on assets | 2.1075% | 563 |
| Return on Equity (ROE) | 20.8377% | 288 |
| Retained earnings to average equity (ytd only) | 4.9690% | 3,386 |
| Net charge-offs to loans | 0.0831% | 4,562 |
| Credit loss provision to net charge-offs | 243.3333% | 1,138 |
| Earnings coverage of net charge-offs (x) | 41.4323% | 859 |
| Efficiency ratio | 56.0933% | 6,046 |
| Assets per employee ($millions) | 2.6099% | 6,588 |
| Cash dividends to net income (ytd only)* | 76.1539% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 4,528 |
| Loan loss allowance to noncurrent loans | 42.0462% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 2.7323% | 1,937 |
| Noncurrent loans to loans | 3.2416% | 1,700 |
| Net loans and leases to total assets | 64.4448% | 2,946 |
| Net loans and leases to deposits | 72.2376% | 3,573 |
| Net loans and leases to core deposits | 77.6222% | 3,514 |
| Total domestic deposits to total assets | 89.2123% | 1,303 |
| Equity capital to assets | 10.1297% | 4,314 |
| Core capital (leverage) ratio | 9.9700% | 3,582 |
| Tier 1 risk-based capital ratio | 14.1772% | 4,393 |
| Total risk-based capital ratio | 15.4263% | 4,361 |
| Memoranda: | ||
| Average total assets | $74,020,250 | 5,568 |
| Average earning assets | $70,631,000 | 5,470 |
| Average equity | $7,486,250 | 5,698 |
| Average total loans | $48,158,000 | 5,231 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2870% | 1,082 |
| Cost of funding earning assets | 0.8492% | 2,799 |
| Net interest margin | 4.4378% | 1,111 |
| Noninterest income to average assets | 0.8821% | 1,856 |
| Noninterest expense to average assets | 2.8585% | 3,784 |
| Loan and lease loss provision to assets | 0.1361% | 3,818 |
| Net operating income to assets | 2.1126% | 334 |
| Return on assets (ROA) | 2.1126% | 375 |
| Pretax return on assets | 2.1126% | 571 |
| Return on Equity (ROE) | 20.8995% | 294 |
| Retained earnings to average equity (ytd only) | 4.9017% | 3,334 |
| Net charge-offs to loans | 0.0796% | 4,350 |
| Credit loss provision to net charge-offs | 263.1579% | 1,092 |
| Earnings coverage of net charge-offs (x) | 43.4737% | 823 |
| Efficiency ratio | 55.9701% | 6,117 |
| Assets per employee ($millions) | 2.6827% | 6,551 |
| Cash dividends to net income (ytd only)* | 76.5464% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3585% | 4,626 |
| Loan loss allowance to noncurrent loans | 49.2560% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 2.3178% | 2,417 |
| Noncurrent loans to loans | 2.7580% | 2,179 |
| Net loans and leases to total assets | 63.9939% | 3,030 |
| Net loans and leases to deposits | 71.6560% | 3,663 |
| Net loans and leases to core deposits | 77.0300% | 3,654 |
| Total domestic deposits to total assets | 89.3071% | 1,326 |
| Equity capital to assets | 10.0659% | 4,237 |
| Core capital (leverage) ratio | 9.9926% | 3,427 |
| Tier 1 risk-based capital ratio | 14.0182% | 4,439 |
| Total risk-based capital ratio | 15.2715% | 4,395 |
| Memoranda: | ||
| Average total assets | $73,464,330 | 5,620 |
| Average earning assets | $69,945,000 | 5,522 |
| Average equity | $7,426,000 | 5,733 |
| Average total loans | $47,727,000 | 5,275 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2968% | 1,103 |
| Cost of funding earning assets | 0.8579% | 3,011 |
| Net interest margin | 4.4390% | 1,135 |
| Noninterest income to average assets | 0.8921% | 1,780 |
| Noninterest expense to average assets | 2.8855% | 3,683 |
| Loan and lease loss provision to assets | 0.1267% | 3,758 |
| Net operating income to assets | 2.1256% | 335 |
| Return on assets (ROA) | 2.1256% | 390 |
| Pretax return on assets | 2.1256% | 606 |
| Return on Equity (ROE) | 20.9825% | 319 |
| Retained earnings to average equity (ytd only) | 4.8379% | 3,646 |
| Net charge-offs to loans | 0.2287% | 2,785 |
| Credit loss provision to net charge-offs | 85.1852% | 2,635 |
| Earnings coverage of net charge-offs (x) | 15.1481% | 1,432 |
| Efficiency ratio | 56.1629% | 6,104 |
| Assets per employee ($millions) | 2.5528% | 6,801 |
| Cash dividends to net income (ytd only)* | 76.9430% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 4,893 |
| Loan loss allowance to noncurrent loans | 63.8493% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 2.4435% | 2,419 |
| Noncurrent loans to loans | 2.0806% | 3,052 |
| Net loans and leases to total assets | 62.9052% | 3,070 |
| Net loans and leases to deposits | 70.3326% | 3,683 |
| Net loans and leases to core deposits | 74.1206% | 3,888 |
| Total domestic deposits to total assets | 89.4397% | 1,404 |
| Equity capital to assets | 10.0240% | 4,097 |
| Core capital (leverage) ratio | 9.9659% | 3,398 |
| Tier 1 risk-based capital ratio | 14.1664% | 4,345 |
| Total risk-based capital ratio | 15.3813% | 4,338 |
| Memoranda: | ||
| Average total assets | $72,639,000 | 5,692 |
| Average earning assets | $69,475,500 | 5,579 |
| Average equity | $7,358,500 | 5,775 |
| Average total loans | $47,225,000 | 5,331 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4601% | 1,265 |
| Cost of funding earning assets | 0.9787% | 3,517 |
| Net interest margin | 4.4815% | 1,179 |
| Noninterest income to average assets | 0.9274% | 1,582 |
| Noninterest expense to average assets | 3.1195% | 3,134 |
| Loan and lease loss provision to assets | 0.1115% | 5,194 |
| Net operating income to assets | 1.9818% | 322 |
| Return on assets (ROA) | 1.9818% | 341 |
| Pretax return on assets | 1.9818% | 550 |
| Return on Equity (ROE) | 20.1308% | 258 |
| Retained earnings to average equity (ytd only) | 4.2584% | 3,156 |
| Net charge-offs to loans | 0.0981% | 5,364 |
| Credit loss provision to net charge-offs | 171.7391% | 1,550 |
| Earnings coverage of net charge-offs (x) | 32.2391% | 801 |
| Efficiency ratio | 59.8429% | 5,784 |
| Assets per employee ($millions) | 2.4568% | 6,868 |
| Cash dividends to net income (ytd only)* | 78.8462% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 4,729 |
| Loan loss allowance to noncurrent loans | 110.1222% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 1.9566% | 3,025 |
| Noncurrent loans to loans | 1.2126% | 4,341 |
| Net loans and leases to total assets | 65.4381% | 2,892 |
| Net loans and leases to deposits | 73.4702% | 3,586 |
| Net loans and leases to core deposits | 76.3307% | 3,935 |
| Total domestic deposits to total assets | 89.0675% | 1,493 |
| Equity capital to assets | 10.2406% | 3,864 |
| Core capital (leverage) ratio | 10.0979% | 3,227 |
| Tier 1 risk-based capital ratio | 14.7384% | 3,802 |
| Total risk-based capital ratio | 15.9892% | 3,774 |
| Memoranda: | ||
| Average total assets | $70,844,600 | 5,720 |
| Average earning assets | $67,745,400 | 5,624 |
| Average equity | $6,974,400 | 5,872 |
| Average total loans | $46,895,600 | 5,387 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4578% | 1,371 |
| Cost of funding earning assets | 1.0052% | 3,647 |
| Net interest margin | 4.4526% | 1,272 |
| Noninterest income to average assets | 0.9273% | 1,557 |
| Noninterest expense to average assets | 3.1587% | 2,964 |
| Loan and lease loss provision to assets | 0.1074% | 5,095 |
| Net operating income to assets | 1.9186% | 412 |
| Return on assets (ROA) | 1.9186% | 445 |
| Pretax return on assets | 1.9186% | 747 |
| Return on Equity (ROE) | 19.6881% | 331 |
| Retained earnings to average equity (ytd only) | 4.0228% | 3,856 |
| Net charge-offs to loans | 0.2564% | 3,829 |
| Credit loss provision to net charge-offs | 63.3333% | 4,696 |
| Earnings coverage of net charge-offs (x) | 11.9442% | 1,757 |
| Efficiency ratio | 60.9233% | 5,573 |
| Assets per employee ($millions) | 2.4787% | 6,915 |
| Cash dividends to net income (ytd only)* | 79.5675% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 5,546 |
| Loan loss allowance to noncurrent loans | 47.0050% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 2.8102% | 2,312 |
| Noncurrent loans to loans | 2.5138% | 2,756 |
| Net loans and leases to total assets | 65.7341% | 2,958 |
| Net loans and leases to deposits | 73.5687% | 3,712 |
| Net loans and leases to core deposits | 76.0824% | 4,188 |
| Total domestic deposits to total assets | 89.3506% | 1,222 |
| Equity capital to assets | 10.0220% | 4,310 |
| Core capital (leverage) ratio | 9.9909% | 3,457 |
| Tier 1 risk-based capital ratio | 14.4838% | 3,991 |
| Total risk-based capital ratio | 15.6309% | 4,034 |
| Memoranda: | ||
| Average total assets | $70,744,250 | 5,762 |
| Average earning assets | $67,644,750 | 5,664 |
| Average equity | $6,894,000 | 5,933 |
| Average total loans | $46,806,250 | 5,439 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4073% | 1,540 |
| Cost of funding earning assets | 1.0404% | 3,669 |
| Net interest margin | 4.3669% | 1,474 |
| Noninterest income to average assets | 0.9039% | 1,632 |
| Noninterest expense to average assets | 3.1578% | 3,058 |
| Loan and lease loss provision to assets | 0.0966% | 5,118 |
| Net operating income to assets | 1.8248% | 476 |
| Return on assets (ROA) | 1.8248% | 507 |
| Pretax return on assets | 1.8248% | 835 |
| Return on Equity (ROE) | 18.9083% | 396 |
| Retained earnings to average equity (ytd only) | 3.0041% | 4,368 |
| Net charge-offs to loans | 0.2841% | 3,455 |
| Credit loss provision to net charge-offs | 51.5152% | 4,547 |
| Earnings coverage of net charge-offs (x) | 10.2424% | 1,836 |
| Efficiency ratio | 62.1712% | 5,564 |
| Assets per employee ($millions) | 2.4595% | 6,962 |
| Cash dividends to net income (ytd only)* | 84.1121% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 5,496 |
| Loan loss allowance to noncurrent loans | 88.9937% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 1.8591% | 3,424 |
| Noncurrent loans to loans | 1.3626% | 4,375 |
| Net loans and leases to total assets | 64.6463% | 3,329 |
| Net loans and leases to deposits | 72.1231% | 4,090 |
| Net loans and leases to core deposits | 74.2915% | 4,542 |
| Total domestic deposits to total assets | 89.6334% | 1,168 |
| Equity capital to assets | 9.7890% | 4,399 |
| Core capital (leverage) ratio | 9.8437% | 3,465 |
| Tier 1 risk-based capital ratio | 14.5933% | 3,735 |
| Total risk-based capital ratio | 15.7686% | 3,751 |
| Memoranda: | ||
| Average total assets | $70,365,000 | 5,817 |
| Average earning assets | $67,279,330 | 5,719 |
| Average equity | $6,790,670 | 5,989 |
| Average total loans | $46,469,670 | 5,501 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3934% | 1,578 |
| Cost of funding earning assets | 1.0775% | 3,672 |
| Net interest margin | 4.3159% | 1,514 |
| Noninterest income to average assets | 0.8872% | 1,704 |
| Noninterest expense to average assets | 3.1251% | 3,156 |
| Loan and lease loss provision to assets | 0.1374% | 4,293 |
| Net operating income to assets | 1.7514% | 535 |
| Return on assets (ROA) | 1.7514% | 562 |
| Pretax return on assets | 1.7514% | 895 |
| Return on Equity (ROE) | 18.2823% | 451 |
| Retained earnings to average equity (ytd only) | 2.1509% | 4,851 |
| Net charge-offs to loans | 0.2847% | 2,923 |
| Credit loss provision to net charge-offs | 72.7273% | 3,303 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,669 |
| Efficiency ratio | 62.3288% | 5,630 |
| Assets per employee ($millions) | 2.4784% | 7,015 |
| Cash dividends to net income (ytd only)* | 88.2353% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 5,265 |
| Loan loss allowance to noncurrent loans | 45.1687% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 2.7757% | 2,487 |
| Noncurrent loans to loans | 2.8245% | 2,672 |
| Net loans and leases to total assets | 63.4160% | 3,559 |
| Net loans and leases to deposits | 70.3771% | 4,290 |
| Net loans and leases to core deposits | 72.4626% | 4,729 |
| Total domestic deposits to total assets | 90.1089% | 1,090 |
| Equity capital to assets | 9.3596% | 4,637 |
| Core capital (leverage) ratio | 9.8374% | 3,350 |
| Tier 1 risk-based capital ratio | 14.8703% | 3,494 |
| Total risk-based capital ratio | 16.1284% | 3,451 |
| Memoranda: | ||
| Average total assets | $69,885,000 | 5,868 |
| Average earning assets | $66,822,500 | 5,773 |
| Average equity | $6,695,000 | 6,027 |
| Average total loans | $46,367,000 | 5,550 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8554% | 1,139 |
| Cost of funding earning assets | 1.2348% | 4,325 |
| Net interest margin | 4.6206% | 966 |
| Noninterest income to average assets | 1.0195% | 1,442 |
| Noninterest expense to average assets | 3.2520% | 2,908 |
| Loan and lease loss provision to assets | 0.0765% | 6,385 |
| Net operating income to assets | 2.0841% | 240 |
| Return on assets (ROA) | 2.0841% | 256 |
| Pretax return on assets | 2.0841% | 403 |
| Return on Equity (ROE) | 20.4888% | 226 |
| Retained earnings to average equity (ytd only) | 6.1614% | 1,740 |
| Net charge-offs to loans | 0.0975% | 5,878 |
| Credit loss provision to net charge-offs | 113.3333% | 3,840 |
| Earnings coverage of net charge-offs (x) | 32.0222% | 696 |
| Efficiency ratio | 60.0831% | 6,030 |
| Assets per employee ($millions) | 2.2632% | 7,249 |
| Cash dividends to net income (ytd only)* | 69.9281% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 5,084 |
| Loan loss allowance to noncurrent loans | 63.8207% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 2.5156% | 2,759 |
| Noncurrent loans to loans | 2.0122% | 3,544 |
| Net loans and leases to total assets | 67.7025% | 3,056 |
| Net loans and leases to deposits | 75.6040% | 3,904 |
| Net loans and leases to core deposits | 77.3338% | 4,543 |
| Total domestic deposits to total assets | 89.5489% | 1,359 |
| Equity capital to assets | 9.8134% | 3,983 |
| Core capital (leverage) ratio | 10.1324% | 2,947 |
| Tier 1 risk-based capital ratio | 14.8580% | 3,331 |
| Total risk-based capital ratio | 16.1082% | 3,291 |
| Memoranda: | ||
| Average total assets | $66,696,600 | 5,975 |
| Average earning assets | $63,411,800 | 5,876 |
| Average equity | $6,784,200 | 6,106 |
| Average total loans | $46,170,200 | 5,635 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8867% | 1,165 |
| Cost of funding earning assets | 1.2593% | 4,498 |
| Net interest margin | 4.6274% | 984 |
| Noninterest income to average assets | 1.0221% | 1,409 |
| Noninterest expense to average assets | 3.1688% | 3,036 |
| Loan and lease loss provision to assets | 0.0321% | 6,751 |
| Net operating income to assets | 2.2189% | 233 |
| Return on assets (ROA) | 2.2189% | 248 |
| Pretax return on assets | 2.2189% | 391 |
| Return on Equity (ROE) | 21.6201% | 216 |
| Retained earnings to average equity (ytd only) | 7.8850% | 1,458 |
| Net charge-offs to loans | 0.1100% | 5,436 |
| Credit loss provision to net charge-offs | 42.1053% | 5,992 |
| Earnings coverage of net charge-offs (x) | 29.4973% | 889 |
| Efficiency ratio | 58.4661% | 6,194 |
| Assets per employee ($millions) | 2.4126% | 7,185 |
| Cash dividends to net income (ytd only)* | 63.5295% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 5,422 |
| Loan loss allowance to noncurrent loans | 58.0448% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 2.6098% | 2,770 |
| Noncurrent loans to loans | 2.0910% | 3,579 |
| Net loans and leases to total assets | 68.6779% | 3,059 |
| Net loans and leases to deposits | 77.6677% | 3,890 |
| Net loans and leases to core deposits | 79.4704% | 4,593 |
| Total domestic deposits to total assets | 88.4254% | 1,716 |
| Equity capital to assets | 10.3682% | 3,678 |
| Core capital (leverage) ratio | 10.2858% | 2,937 |
| Tier 1 risk-based capital ratio | 14.7218% | 3,382 |
| Total risk-based capital ratio | 15.9360% | 3,379 |
| Memoranda: | ||
| Average total assets | $66,396,500 | 6,052 |
| Average earning assets | $63,101,250 | 5,948 |
| Average equity | $6,814,500 | 6,175 |
| Average total loans | $46,071,250 | 5,730 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9491% | 1,056 |
| Cost of funding earning assets | 1.2773% | 4,669 |
| Net interest margin | 4.6718% | 864 |
| Noninterest income to average assets | 0.9907% | 1,401 |
| Noninterest expense to average assets | 3.1298% | 3,184 |
| Loan and lease loss provision to assets | 0.0030% | 6,849 |
| Net operating income to assets | 2.2905% | 198 |
| Return on assets (ROA) | 2.2905% | 217 |
| Pretax return on assets | 2.2905% | 346 |
| Return on Equity (ROE) | 22.3956% | 194 |
| Retained earnings to average equity (ytd only) | 9.5981% | 943 |
| Net charge-offs to loans | 0.1005% | 5,140 |
| Credit loss provision to net charge-offs | 4.3478% | 5,987 |
| Earnings coverage of net charge-offs (x) | 32.9130% | 855 |
| Efficiency ratio | 57.7095% | 6,416 |
| Assets per employee ($millions) | 2.2818% | 7,367 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 5,302 |
| Loan loss allowance to noncurrent loans | 59.6859% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 2.6083% | 2,774 |
| Noncurrent loans to loans | 2.0584% | 3,645 |
| Net loans and leases to total assets | 69.2518% | 3,074 |
| Net loans and leases to deposits | 77.7727% | 4,025 |
| Net loans and leases to core deposits | 78.5755% | 4,855 |
| Total domestic deposits to total assets | 89.0439% | 1,409 |
| Equity capital to assets | 10.4499% | 3,479 |
| Core capital (leverage) ratio | 10.3768% | 2,741 |
| Tier 1 risk-based capital ratio | 14.9657% | 3,164 |
| Total risk-based capital ratio | 16.2143% | 3,135 |
| Memoranda: | ||
| Average total assets | $66,011,000 | 6,107 |
| Average earning assets | $62,631,330 | 5,998 |
| Average equity | $6,751,330 | 6,219 |
| Average total loans | $45,773,670 | 5,774 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9311% | 1,127 |
| Cost of funding earning assets | 1.3209% | 4,685 |
| Net interest margin | 4.6102% | 929 |
| Noninterest income to average assets | 1.0011% | 1,304 |
| Noninterest expense to average assets | 3.0699% | 3,392 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.2933% | 213 |
| Return on assets (ROA) | 2.2933% | 238 |
| Pretax return on assets | 2.2933% | 353 |
| Return on Equity (ROE) | 22.6704% | 244 |
| Retained earnings to average equity (ytd only) | 12.9545% | 625 |
| Net charge-offs to loans | 0.0440% | 4,978 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 75.6000% | 411 |
| Efficiency ratio | 57.2398% | 6,598 |
| Assets per employee ($millions) | 2.3254% | 7,429 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 5,130 |
| Loan loss allowance to noncurrent loans | 66.8565% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 2.5895% | 2,819 |
| Noncurrent loans to loans | 1.8906% | 3,936 |
| Net loans and leases to total assets | 70.4254% | 2,819 |
| Net loans and leases to deposits | 79.0668% | 3,827 |
| Net loans and leases to core deposits | 79.4793% | 4,835 |
| Total domestic deposits to total assets | 89.0708% | 1,482 |
| Equity capital to assets | 10.4408% | 3,306 |
| Core capital (leverage) ratio | 10.3192% | 2,790 |
| Tier 1 risk-based capital ratio | 14.8557% | 3,179 |
| Total risk-based capital ratio | 14.8557% | 3,884 |
| Memoranda: | ||
| Average total assets | $65,930,000 | 6,176 |
| Average earning assets | $62,383,000 | 6,066 |
| Average equity | $6,669,500 | 6,302 |
| Average total loans | $45,462,500 | 5,865 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0524% | 1,667 |
| Cost of funding earning assets | 1.7915% | 4,037 |
| Net interest margin | 4.2609% | 1,851 |
| Noninterest income to average assets | 0.9387% | 1,791 |
| Noninterest expense to average assets | 3.0825% | 3,825 |
| Loan and lease loss provision to assets | 0.8182% | 2,679 |
| Net operating income to assets | 1.1143% | 1,477 |
| Return on assets (ROA) | 1.1143% | 1,512 |
| Pretax return on assets | 1.1143% | 2,205 |
| Return on Equity (ROE) | 11.3771% | 1,328 |
| Retained earnings to average equity (ytd only) | 0.9873% | 4,343 |
| Net charge-offs to loans | 1.4364% | 1,745 |
| Credit loss provision to net charge-offs | 87.0253% | 6,099 |
| Earnings coverage of net charge-offs (x) | 2.0554% | 4,185 |
| Efficiency ratio | 61.4654% | 6,246 |
| Assets per employee ($millions) | 2.3839% | 7,375 |
| Cash dividends to net income (ytd only)* | 91.3218% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3308% | 4,584 |
| Loan loss allowance to noncurrent loans | 77.8947% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 2.3506% | 2,949 |
| Noncurrent loans to loans | 1.7085% | 4,076 |
| Net loans and leases to total assets | 65.7558% | 4,216 |
| Net loans and leases to deposits | 73.3968% | 5,138 |
| Net loans and leases to core deposits | 87.6315% | 5,367 |
| Total domestic deposits to total assets | 89.5895% | 1,164 |
| Equity capital to assets | 9.7993% | 4,005 |
| Core capital (leverage) ratio | 9.7813% | 3,350 |
| Tier 1 risk-based capital ratio | 14.7480% | 3,081 |
| Total risk-based capital ratio | 14.7480% | 3,766 |
| Memoranda: | ||
| Average total assets | $67,218,200 | 6,101 |
| Average earning assets | $64,305,000 | 5,987 |
| Average equity | $6,583,400 | 6,395 |
| Average total loans | $43,998,400 | 5,934 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1112% | 1,608 |
| Cost of funding earning assets | 1.8742% | 4,022 |
| Net interest margin | 4.2370% | 1,919 |
| Noninterest income to average assets | 0.9168% | 1,916 |
| Noninterest expense to average assets | 3.0434% | 3,869 |
| Loan and lease loss provision to assets | 0.2218% | 5,199 |
| Net operating income to assets | 1.7207% | 538 |
| Return on assets (ROA) | 1.7207% | 569 |
| Pretax return on assets | 1.7207% | 931 |
| Return on Equity (ROE) | 17.5711% | 494 |
| Retained earnings to average equity (ytd only) | 5.9245% | 1,990 |
| Net charge-offs to loans | 0.2826% | 4,265 |
| Credit loss provision to net charge-offs | 120.4301% | 4,213 |
| Earnings coverage of net charge-offs (x) | 10.5481% | 1,950 |
| Efficiency ratio | 61.0405% | 6,265 |
| Assets per employee ($millions) | 2.3184% | 7,480 |
| Cash dividends to net income (ytd only)* | 66.2829% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5756% | 3,098 |
| Loan loss allowance to noncurrent loans | 59.9481% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 2.5419% | 2,729 |
| Noncurrent loans to loans | 2.6283% | 2,875 |
| Net loans and leases to total assets | 64.3856% | 4,777 |
| Net loans and leases to deposits | 72.1555% | 5,622 |
| Net loans and leases to core deposits | 85.4619% | 5,920 |
| Total domestic deposits to total assets | 89.2316% | 1,092 |
| Equity capital to assets | 10.1496% | 3,907 |
| Core capital (leverage) ratio | 10.0392% | 3,243 |
| Tier 1 risk-based capital ratio | 15.4648% | 2,843 |
| Total risk-based capital ratio | 15.4648% | 3,381 |
| Memoranda: | ||
| Average total assets | $67,335,250 | 6,132 |
| Average earning assets | $64,666,250 | 6,015 |
| Average equity | $6,594,000 | 6,452 |
| Average total loans | $43,877,000 | 5,979 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2051% | 1,435 |
| Cost of funding earning assets | 1.9561% | 3,975 |
| Net interest margin | 4.2490% | 1,819 |
| Noninterest income to average assets | 0.8639% | 2,130 |
| Noninterest expense to average assets | 3.0726% | 3,804 |
| Loan and lease loss provision to assets | 0.2227% | 4,807 |
| Net operating income to assets | 1.6506% | 620 |
| Return on assets (ROA) | 1.6506% | 681 |
| Pretax return on assets | 1.6506% | 1,111 |
| Return on Equity (ROE) | 17.0622% | 573 |
| Retained earnings to average equity (ytd only) | 1.0434% | 4,746 |
| Net charge-offs to loans | 0.2327% | 4,042 |
| Credit loss provision to net charge-offs | 147.0588% | 3,144 |
| Earnings coverage of net charge-offs (x) | 12.3725% | 1,822 |
| Efficiency ratio | 62.1248% | 6,230 |
| Assets per employee ($millions) | 2.3264% | 7,514 |
| Cash dividends to net income (ytd only)* | 93.8849% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6195% | 2,663 |
| Loan loss allowance to noncurrent loans | 51.0981% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 2.7140% | 2,367 |
| Noncurrent loans to loans | 3.1693% | 2,253 |
| Net loans and leases to total assets | 62.8518% | 5,207 |
| Net loans and leases to deposits | 69.9212% | 5,997 |
| Net loans and leases to core deposits | 83.4475% | 6,127 |
| Total domestic deposits to total assets | 89.8896% | 872 |
| Equity capital to assets | 9.5309% | 4,569 |
| Core capital (leverage) ratio | 9.5535% | 3,805 |
| Tier 1 risk-based capital ratio | 15.2174% | 2,928 |
| Total risk-based capital ratio | 15.2174% | 3,475 |
| Memoranda: | ||
| Average total assets | $67,369,000 | 6,175 |
| Average earning assets | $64,720,670 | 6,054 |
| Average equity | $6,517,330 | 6,526 |
| Average total loans | $43,842,000 | 6,029 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3554% | 1,168 |
| Cost of funding earning assets | 2.0298% | 3,990 |
| Net interest margin | 4.3256% | 1,533 |
| Noninterest income to average assets | 0.8972% | 1,861 |
| Noninterest expense to average assets | 3.0303% | 3,633 |
| Loan and lease loss provision to assets | 0.2258% | 4,194 |
| Net operating income to assets | 1.7944% | 536 |
| Return on assets (ROA) | 1.7944% | 591 |
| Pretax return on assets | 1.7944% | 986 |
| Return on Equity (ROE) | 18.4118% | 562 |
| Retained earnings to average equity (ytd only) | 0.8535% | 5,318 |
| Net charge-offs to loans | 0.0090% | 5,530 |
| Credit loss provision to net charge-offs | 3,800.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 340.0000% | 113 |
| Efficiency ratio | 60.0000% | 6,402 |
| Assets per employee ($millions) | 2.4010% | 7,457 |
| Cash dividends to net income (ytd only)* | 95.3642% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6230% | 2,428 |
| Loan loss allowance to noncurrent loans | 46.9307% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 2.9452% | 1,922 |
| Noncurrent loans to loans | 3.4584% | 1,846 |
| Net loans and leases to total assets | 64.1052% | 4,968 |
| Net loans and leases to deposits | 71.4859% | 5,809 |
| Net loans and leases to core deposits | 85.7717% | 5,921 |
| Total domestic deposits to total assets | 89.6753% | 945 |
| Equity capital to assets | 9.7803% | 4,258 |
| Core capital (leverage) ratio | 9.6242% | 3,847 |
| Tier 1 risk-based capital ratio | 15.0467% | 3,044 |
| Total risk-based capital ratio | 15.0467% | 3,620 |
| Memoranda: | ||
| Average total assets | $67,321,000 | 6,205 |
| Average earning assets | $64,638,000 | 6,082 |
| Average equity | $6,561,000 | 6,564 |
| Average total loans | $44,212,500 | 6,051 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4695% | 434 |
| Cost of funding earning assets | 2.5447% | 3,980 |
| Net interest margin | 4.9247% | 607 |
| Noninterest income to average assets | 0.9785% | 1,655 |
| Noninterest expense to average assets | 2.7287% | 5,134 |
| Loan and lease loss provision to assets | 0.2890% | 4,071 |
| Net operating income to assets | 2.6539% | 94 |
| Return on assets (ROA) | 2.6539% | 95 |
| Pretax return on assets | 2.6539% | 143 |
| Return on Equity (ROE) | 29.4933% | 67 |
| Retained earnings to average equity (ytd only) | 6.1628% | 1,461 |
| Net charge-offs to loans | 0.6918% | 1,771 |
| Credit loss provision to net charge-offs | 61.7555% | 6,211 |
| Earnings coverage of net charge-offs (x) | 6.2884% | 3,393 |
| Efficiency ratio | 48.1117% | 7,792 |
| Assets per employee ($millions) | 2.2472% | 7,637 |
| Cash dividends to net income (ytd only)* | 79.1045% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5106% | 2,622 |
| Loan loss allowance to noncurrent loans | 89.2715% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 1.8097% | 2,718 |
| Noncurrent loans to loans | 1.6921% | 3,233 |
| Net loans and leases to total assets | 65.1843% | 5,017 |
| Net loans and leases to deposits | 72.6359% | 5,989 |
| Net loans and leases to core deposits | 87.6059% | 6,008 |
| Total domestic deposits to total assets | 89.7412% | 751 |
| Equity capital to assets | 9.7115% | 4,410 |
| Core capital (leverage) ratio | 9.3745% | 4,201 |
| Tier 1 risk-based capital ratio | 14.8580% | 3,122 |
| Total risk-based capital ratio | 14.8580% | 3,661 |
| Memoranda: | ||
| Average total assets | $68,164,400 | 6,086 |
| Average earning assets | $64,957,800 | 5,992 |
| Average equity | $6,133,600 | 6,758 |
| Average total loans | $46,111,400 | 5,870 |