Home > Security National Bank > Performance and Condition Ratios
Security National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9347% | 4,045 |
| Cost of funding earning assets | 0.8147% | 3,694 |
| Net interest margin | 3.1199% | 3,050 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.4453% | 2,456 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.5881% | 3,463 |
| Return on assets (ROA) | 0.5881% | 3,462 |
| Pretax return on assets | 0.7669% | 3,293 |
| Return on Equity (ROE) | 7.2800% | 3,215 |
| Retained earnings to average equity (ytd only) | 7.2821% | 1,796 |
| Net charge-offs to loans | 0.1752% | 609 |
| Credit loss provision to net charge-offs | 21.5054% | 2,300 |
| Earnings coverage of net charge-offs (x) | 8.3763% | 2,346 |
| Efficiency ratio | 75.6486% | 1,282 |
| Assets per employee ($millions) | 4.7010% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 1,483 |
| Loan loss allowance to noncurrent loans | 240.0000% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.3039% | 1,739 |
| Noncurrent loans to loans | 0.5734% | 1,365 |
| Net loans and leases to total assets | 52.2700% | 3,467 |
| Net loans and leases to deposits | 60.4461% | 3,496 |
| Net loans and leases to core deposits | 62.3125% | 3,666 |
| Total domestic deposits to total assets | 86.4700% | 1,871 |
| Equity capital to assets | 8.8917% | 2,751 |
| Core capital (leverage) ratio | 10.4800% | 2,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2458% | 872 |
| Memoranda: | ||
| Average total assets | $98,966,800 | 3,845 |
| Average earning assets | $92,790,800 | 3,811 |
| Average equity | $7,992,200 | 3,926 |
| Average total loans | $53,080,200 | 3,796 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8361% | 4,075 |
| Cost of funding earning assets | 0.7715% | 3,601 |
| Net interest margin | 3.0646% | 3,213 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.4262% | 2,447 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.5264% | 3,707 |
| Return on assets (ROA) | 0.5264% | 3,691 |
| Pretax return on assets | 0.7324% | 3,485 |
| Return on Equity (ROE) | 6.6900% | 3,506 |
| Retained earnings to average equity (ytd only) | 6.6872% | 2,403 |
| Net charge-offs to loans | 0.0676% | 996 |
| Credit loss provision to net charge-offs | 37.0370% | 1,946 |
| Earnings coverage of net charge-offs (x) | 20.5185% | 1,805 |
| Efficiency ratio | 76.4856% | 1,133 |
| Assets per employee ($millions) | 4.2617% | 4,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 1,190 |
| Loan loss allowance to noncurrent loans | 175.5656% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.4509% | 1,292 |
| Noncurrent loans to loans | 0.8383% | 986 |
| Net loans and leases to total assets | 53.0000% | 3,423 |
| Net loans and leases to deposits | 61.7315% | 3,418 |
| Net loans and leases to core deposits | 63.8867% | 3,531 |
| Total domestic deposits to total assets | 85.8600% | 2,243 |
| Equity capital to assets | 8.0444% | 3,024 |
| Core capital (leverage) ratio | 10.2005% | 2,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7273% | 986 |
| Memoranda: | ||
| Average total assets | $99,028,250 | 3,855 |
| Average earning assets | $93,147,250 | 3,827 |
| Average equity | $7,795,750 | 3,954 |
| Average total loans | $53,270,000 | 3,804 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7227% | 4,117 |
| Cost of funding earning assets | 0.7138% | 3,444 |
| Net interest margin | 3.0089% | 3,409 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.3992% | 2,487 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5133% | 3,782 |
| Return on assets (ROA) | 0.5133% | 3,789 |
| Pretax return on assets | 0.7145% | 3,575 |
| Return on Equity (ROE) | 6.5700% | 3,568 |
| Retained earnings to average equity (ytd only) | 6.5671% | 2,432 |
| Net charge-offs to loans | 0.0187% | 1,526 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 1,111 |
| Efficiency ratio | 77.0524% | 1,089 |
| Assets per employee ($millions) | 4.3019% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4841% | 1,230 |
| Loan loss allowance to noncurrent loans | 176.2864% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 1,185 |
| Noncurrent loans to loans | 0.8419% | 908 |
| Net loans and leases to total assets | 52.8700% | 3,346 |
| Net loans and leases to deposits | 60.9073% | 3,365 |
| Net loans and leases to core deposits | 63.6703% | 3,468 |
| Total domestic deposits to total assets | 86.8000% | 1,988 |
| Equity capital to assets | 8.0198% | 3,204 |
| Core capital (leverage) ratio | 10.1085% | 2,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5040% | 1,036 |
| Memoranda: | ||
| Average total assets | $99,364,667 | 3,865 |
| Average earning assets | $93,588,333 | 3,837 |
| Average equity | $7,766,000 | 3,979 |
| Average total loans | $53,450,667 | 3,810 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6232% | 4,131 |
| Cost of funding earning assets | 0.6735% | 3,146 |
| Net interest margin | 2.9497% | 3,697 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.4343% | 2,424 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4419% | 4,017 |
| Return on assets (ROA) | 0.4419% | 3,969 |
| Pretax return on assets | 0.6146% | 3,818 |
| Return on Equity (ROE) | 5.7300% | 3,770 |
| Retained earnings to average equity (ytd only) | 5.7280% | 2,838 |
| Net charge-offs to loans | 0.2014% | 363 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 1,803 |
| Efficiency ratio | 79.8419% | 846 |
| Assets per employee ($millions) | 4.4838% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 1,449 |
| Loan loss allowance to noncurrent loans | 167.6149% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.4633% | 1,094 |
| Noncurrent loans to loans | 0.8614% | 881 |
| Net loans and leases to total assets | 53.0000% | 3,276 |
| Net loans and leases to deposits | 60.3760% | 3,310 |
| Net loans and leases to core deposits | 62.7046% | 3,408 |
| Total domestic deposits to total assets | 87.7900% | 1,990 |
| Equity capital to assets | 8.0461% | 3,211 |
| Core capital (leverage) ratio | 9.7990% | 2,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2516% | 1,122 |
| Memoranda: | ||
| Average total assets | $99,575,500 | 3,914 |
| Average earning assets | $93,840,000 | 3,882 |
| Average equity | $7,681,500 | 4,034 |
| Average total loans | $53,627,500 | 3,855 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2350% | 3,752 |
| Cost of funding earning assets | 0.5168% | 1,288 |
| Net interest margin | 2.7182% | 4,033 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.2706% | 2,833 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.4468% | 4,177 |
| Return on assets (ROA) | 0.4468% | 4,138 |
| Pretax return on assets | 0.5803% | 4,062 |
| Return on Equity (ROE) | 5.7500% | 3,877 |
| Retained earnings to average equity (ytd only) | 5.7549% | 2,732 |
| Net charge-offs to loans | 0.1856% | 442 |
| Credit loss provision to net charge-offs | 45.0000% | 1,843 |
| Earnings coverage of net charge-offs (x) | 6.3200% | 2,339 |
| Efficiency ratio | 78.4227% | 827 |
| Assets per employee ($millions) | 4.3699% | 4,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 1,303 |
| Loan loss allowance to noncurrent loans | 183.5648% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.4298% | 1,192 |
| Noncurrent loans to loans | 0.7970% | 934 |
| Net loans and leases to total assets | 53.1400% | 3,271 |
| Net loans and leases to deposits | 62.9275% | 3,118 |
| Net loans and leases to core deposits | 65.4018% | 3,173 |
| Total domestic deposits to total assets | 84.4500% | 3,114 |
| Equity capital to assets | 7.3885% | 3,449 |
| Core capital (leverage) ratio | 9.6647% | 2,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7845% | 1,165 |
| Memoranda: | ||
| Average total assets | $101,162,000 | 3,916 |
| Average earning assets | $95,982,200 | 3,876 |
| Average equity | $7,854,200 | 4,117 |
| Average total loans | $53,872,000 | 3,835 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1674% | 3,518 |
| Cost of funding earning assets | 0.4908% | 781 |
| Net interest margin | 2.6766% | 3,976 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.2514% | 2,785 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.3961% | 4,247 |
| Return on assets (ROA) | 0.3961% | 4,194 |
| Pretax return on assets | 0.5500% | 4,067 |
| Return on Equity (ROE) | 5.0400% | 3,976 |
| Retained earnings to average equity (ytd only) | 5.0410% | 3,085 |
| Net charge-offs to loans | 0.0050% | 1,995 |
| Credit loss provision to net charge-offs | 2,250.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 231.5000% | 571 |
| Efficiency ratio | 78.7029% | 859 |
| Assets per employee ($millions) | 4.3290% | 4,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6389% | 993 |
| Loan loss allowance to noncurrent loans | 509.1429% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 2,406 |
| Noncurrent loans to loans | 0.3219% | 2,084 |
| Net loans and leases to total assets | 53.7100% | 3,129 |
| Net loans and leases to deposits | 62.2087% | 3,007 |
| Net loans and leases to core deposits | 64.6141% | 3,062 |
| Total domestic deposits to total assets | 86.3300% | 2,975 |
| Equity capital to assets | 7.1469% | 3,433 |
| Core capital (leverage) ratio | 9.3845% | 3,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5202% | 1,281 |
| Memoranda: | ||
| Average total assets | $101,325,750 | 3,940 |
| Average earning assets | $96,438,500 | 3,897 |
| Average equity | $7,961,250 | 4,139 |
| Average total loans | $53,789,000 | 3,860 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0653% | 3,393 |
| Cost of funding earning assets | 0.4835% | 577 |
| Net interest margin | 2.5819% | 3,941 |
| Noninterest income to average assets | 0.3277% | 3,204 |
| Noninterest expense to average assets | 2.2274% | 2,765 |
| Loan and lease loss provision to assets | 0.0589% | 1,535 |
| Net operating income to assets | 0.3631% | 4,179 |
| Return on assets (ROA) | 0.3631% | 4,140 |
| Pretax return on assets | 0.5044% | 3,991 |
| Return on Equity (ROE) | 4.4887% | 3,913 |
| Retained earnings to average equity (ytd only) | 4.4887% | 2,888 |
| Net charge-offs to loans | 0.0112% | 1,567 |
| Credit loss provision to net charge-offs | 1,000.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 95.6667% | 839 |
| Efficiency ratio | 79.8172% | 961 |
| Assets per employee ($millions) | 4.4883% | 4,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6201% | 1,104 |
| Loan loss allowance to noncurrent loans | 207.8385% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.4369% | 1,300 |
| Noncurrent loans to loans | 0.7795% | 1,099 |
| Net loans and leases to total assets | 51.4705% | 3,218 |
| Net loans and leases to deposits | 58.0408% | 3,225 |
| Net loans and leases to core deposits | 60.1397% | 3,264 |
| Total domestic deposits to total assets | 88.6799% | 2,306 |
| Equity capital to assets | 7.3969% | 3,536 |
| Core capital (leverage) ratio | 9.0878% | 3,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2982% | 1,359 |
| Memoranda: | ||
| Average total assets | $101,912,000 | 3,969 |
| Average earning assets | $97,216,333 | 3,940 |
| Average equity | $8,243,000 | 4,176 |
| Average total loans | $53,597,000 | 3,901 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0113% | 3,224 |
| Cost of funding earning assets | 0.4798% | 550 |
| Net interest margin | 2.5315% | 3,830 |
| Noninterest income to average assets | 0.3832% | 2,792 |
| Noninterest expense to average assets | 2.2913% | 2,532 |
| Loan and lease loss provision to assets | 0.0593% | 1,342 |
| Net operating income to assets | 0.3239% | 4,097 |
| Return on assets (ROA) | 0.3239% | 4,064 |
| Pretax return on assets | 0.4504% | 3,949 |
| Return on Equity (ROE) | 3.8378% | 3,921 |
| Retained earnings to average equity (ytd only) | 3.8378% | 2,995 |
| Net charge-offs to loans | -0.0075% | 3,487 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8054% | 995 |
| Assets per employee ($millions) | 4.4813% | 4,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6559% | 1,143 |
| Loan loss allowance to noncurrent loans | 304.2254% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.2755% | 2,025 |
| Noncurrent loans to loans | 0.5443% | 1,679 |
| Net loans and leases to total assets | 49.7841% | 3,198 |
| Net loans and leases to deposits | 56.4780% | 3,221 |
| Net loans and leases to core deposits | 58.5299% | 3,270 |
| Total domestic deposits to total assets | 88.1477% | 2,461 |
| Equity capital to assets | 7.8549% | 3,682 |
| Core capital (leverage) ratio | 8.9311% | 3,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2320% | 1,446 |
| Memoranda: | ||
| Average total assets | $101,252,000 | 3,990 |
| Average earning assets | $96,702,500 | 3,963 |
| Average equity | $8,546,500 | 4,204 |
| Average total loans | $53,391,000 | 3,914 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4067% | 2,911 |
| Cost of funding earning assets | 0.5519% | 703 |
| Net interest margin | 2.8547% | 3,546 |
| Noninterest income to average assets | 0.3060% | 3,577 |
| Noninterest expense to average assets | 2.3705% | 2,586 |
| Loan and lease loss provision to assets | 0.0643% | 1,781 |
| Net operating income to assets | 0.4477% | 4,190 |
| Return on assets (ROA) | 0.4549% | 4,221 |
| Pretax return on assets | 0.6079% | 4,092 |
| Return on Equity (ROE) | 4.9956% | 4,000 |
| Retained earnings to average equity (ytd only) | 4.9956% | 2,783 |
| Net charge-offs to loans | 0.1203% | 751 |
| Credit loss provision to net charge-offs | 98.4375% | 1,829 |
| Earnings coverage of net charge-offs (x) | 10.1563% | 2,222 |
| Efficiency ratio | 78.1439% | 935 |
| Assets per employee ($millions) | 4.3233% | 4,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5511% | 1,386 |
| Loan loss allowance to noncurrent loans | 457.8378% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.1861% | 2,635 |
| Noncurrent loans to loans | 0.3388% | 2,366 |
| Net loans and leases to total assets | 54.0645% | 2,842 |
| Net loans and leases to deposits | 67.0312% | 2,404 |
| Net loans and leases to core deposits | 69.7988% | 2,470 |
| Total domestic deposits to total assets | 80.6557% | 4,149 |
| Equity capital to assets | 9.0481% | 3,574 |
| Core capital (leverage) ratio | 9.2315% | 3,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9352% | 1,537 |
| Memoranda: | ||
| Average total assets | $98,039,000 | 4,011 |
| Average earning assets | $93,668,600 | 3,979 |
| Average equity | $8,927,800 | 4,252 |
| Average total loans | $53,183,000 | 3,945 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4797% | 2,902 |
| Cost of funding earning assets | 0.5690% | 747 |
| Net interest margin | 2.9107% | 3,530 |
| Noninterest income to average assets | 0.2839% | 3,744 |
| Noninterest expense to average assets | 2.3571% | 2,576 |
| Loan and lease loss provision to assets | 0.0655% | 1,685 |
| Net operating income to assets | 0.4584% | 4,283 |
| Return on assets (ROA) | 0.4681% | 4,301 |
| Pretax return on assets | 0.6524% | 4,154 |
| Return on Equity (ROE) | 5.1324% | 4,095 |
| Retained earnings to average equity (ytd only) | 5.1324% | 3,170 |
| Net charge-offs to loans | 0.1388% | 586 |
| Credit loss provision to net charge-offs | 87.2727% | 1,680 |
| Earnings coverage of net charge-offs (x) | 9.4000% | 2,077 |
| Efficiency ratio | 76.9608% | 963 |
| Assets per employee ($millions) | 4.2821% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5657% | 1,425 |
| Loan loss allowance to noncurrent loans | 868.0412% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 3,295 |
| Noncurrent loans to loans | 0.1804% | 3,228 |
| Net loans and leases to total assets | 53.7471% | 2,999 |
| Net loans and leases to deposits | 65.2029% | 2,711 |
| Net loans and leases to core deposits | 67.8523% | 2,790 |
| Total domestic deposits to total assets | 82.4305% | 3,838 |
| Equity capital to assets | 9.2477% | 3,609 |
| Core capital (leverage) ratio | 9.1096% | 3,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8542% | 1,663 |
| Memoranda: | ||
| Average total assets | $97,690,000 | 4,056 |
| Average earning assets | $93,261,500 | 4,030 |
| Average equity | $8,910,500 | 4,313 |
| Average total loans | $52,827,250 | 4,003 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5954% | 2,635 |
| Cost of funding earning assets | 0.5899% | 781 |
| Net interest margin | 3.0055% | 3,309 |
| Noninterest income to average assets | 0.2812% | 3,737 |
| Noninterest expense to average assets | 2.4101% | 2,428 |
| Loan and lease loss provision to assets | 0.0677% | 1,699 |
| Net operating income to assets | 0.4785% | 4,262 |
| Return on assets (ROA) | 0.4947% | 4,274 |
| Pretax return on assets | 0.6898% | 4,084 |
| Return on Equity (ROE) | 5.4496% | 4,047 |
| Retained earnings to average equity (ytd only) | 5.4496% | 3,017 |
| Net charge-offs to loans | 0.2209% | 392 |
| Credit loss provision to net charge-offs | 56.8966% | 1,576 |
| Earnings coverage of net charge-offs (x) | 6.1897% | 1,970 |
| Efficiency ratio | 76.5819% | 1,023 |
| Assets per employee ($millions) | 4.3247% | 4,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5588% | 1,395 |
| Loan loss allowance to noncurrent loans | 545.6954% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 3,086 |
| Noncurrent loans to loans | 0.2857% | 2,905 |
| Net loans and leases to total assets | 52.3148% | 3,313 |
| Net loans and leases to deposits | 63.4350% | 3,056 |
| Net loans and leases to core deposits | 65.9799% | 3,113 |
| Total domestic deposits to total assets | 82.4699% | 3,827 |
| Equity capital to assets | 8.9807% | 3,811 |
| Core capital (leverage) ratio | 9.0294% | 3,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0486% | 1,612 |
| Memoranda: | ||
| Average total assets | $97,423,667 | 4,088 |
| Average earning assets | $92,895,667 | 4,058 |
| Average equity | $8,844,667 | 4,340 |
| Average total loans | $52,510,667 | 4,033 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5734% | 2,727 |
| Cost of funding earning assets | 0.6254% | 779 |
| Net interest margin | 2.9479% | 3,387 |
| Noninterest income to average assets | 0.2863% | 3,691 |
| Noninterest expense to average assets | 2.4647% | 2,283 |
| Loan and lease loss provision to assets | 0.0747% | 1,692 |
| Net operating income to assets | 0.3905% | 4,374 |
| Return on assets (ROA) | 0.4232% | 4,352 |
| Pretax return on assets | 0.5851% | 4,212 |
| Return on Equity (ROE) | 4.6361% | 4,164 |
| Retained earnings to average equity (ytd only) | 4.6361% | 3,331 |
| Net charge-offs to loans | -0.0382% | 4,285 |
| Credit loss provision to net charge-offs | -360.0000% | 3,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9462% | 825 |
| Assets per employee ($millions) | 4.3057% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6537% | 1,160 |
| Loan loss allowance to noncurrent loans | 244.2577% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.4595% | 2,016 |
| Noncurrent loans to loans | 0.6770% | 1,894 |
| Net loans and leases to total assets | 52.3664% | 3,409 |
| Net loans and leases to deposits | 62.7400% | 3,251 |
| Net loans and leases to core deposits | 65.2265% | 3,299 |
| Total domestic deposits to total assets | 83.4658% | 3,574 |
| Equity capital to assets | 8.8619% | 3,822 |
| Core capital (leverage) ratio | 9.1948% | 3,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6761% | 1,677 |
| Memoranda: | ||
| Average total assets | $96,401,000 | 4,114 |
| Average earning assets | $91,454,500 | 4,080 |
| Average equity | $8,800,500 | 4,358 |
| Average total loans | $52,335,500 | 4,048 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2458% | 2,007 |
| Cost of funding earning assets | 0.8808% | 910 |
| Net interest margin | 3.3650% | 2,884 |
| Noninterest income to average assets | 0.3689% | 3,271 |
| Noninterest expense to average assets | 2.6554% | 2,371 |
| Loan and lease loss provision to assets | 0.1480% | 2,524 |
| Net operating income to assets | 0.5514% | 3,905 |
| Return on assets (ROA) | 0.5568% | 3,982 |
| Pretax return on assets | 0.7435% | 3,780 |
| Return on Equity (ROE) | 5.6349% | 3,697 |
| Retained earnings to average equity (ytd only) | 2.1894% | 3,748 |
| Net charge-offs to loans | 0.1078% | 1,395 |
| Credit loss provision to net charge-offs | 224.1379% | 2,051 |
| Earnings coverage of net charge-offs (x) | 13.3966% | 2,282 |
| Efficiency ratio | 75.0080% | 1,334 |
| Assets per employee ($millions) | 4.0770% | 4,317 |
| Cash dividends to net income (ytd only)* | 61.1452% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6346% | 1,207 |
| Loan loss allowance to noncurrent loans | 112.4503% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.9257% | 1,057 |
| Noncurrent loans to loans | 1.4536% | 927 |
| Net loans and leases to total assets | 54.4849% | 3,448 |
| Net loans and leases to deposits | 66.1989% | 3,250 |
| Net loans and leases to core deposits | 69.0120% | 3,334 |
| Total domestic deposits to total assets | 82.3048% | 3,593 |
| Equity capital to assets | 9.4112% | 3,692 |
| Core capital (leverage) ratio | 9.4321% | 3,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9486% | 1,551 |
| Memoranda: | ||
| Average total assets | $87,822,000 | 4,145 |
| Average earning assets | $82,763,600 | 4,122 |
| Average equity | $8,678,000 | 4,352 |
| Average total loans | $53,825,000 | 4,025 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4216% | 1,795 |
| Cost of funding earning assets | 0.9275% | 973 |
| Net interest margin | 3.4941% | 2,610 |
| Noninterest income to average assets | 0.3212% | 3,559 |
| Noninterest expense to average assets | 2.6779% | 2,317 |
| Loan and lease loss provision to assets | 0.1772% | 2,214 |
| Net operating income to assets | 0.5467% | 3,914 |
| Return on assets (ROA) | 0.5467% | 4,008 |
| Pretax return on assets | 0.7644% | 3,746 |
| Return on Equity (ROE) | 5.4620% | 3,734 |
| Retained earnings to average equity (ytd only) | 0.8486% | 4,299 |
| Net charge-offs to loans | 0.1522% | 960 |
| Credit loss provision to net charge-offs | 185.4839% | 2,163 |
| Earnings coverage of net charge-offs (x) | 9.8387% | 2,399 |
| Efficiency ratio | 73.9761% | 1,404 |
| Assets per employee ($millions) | 3.9330% | 4,373 |
| Cash dividends to net income (ytd only)* | 84.4633% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5679% | 1,187 |
| Loan loss allowance to noncurrent loans | 494.0476% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.3195% | 2,869 |
| Noncurrent loans to loans | 0.3174% | 3,148 |
| Net loans and leases to total assets | 57.6046% | 3,457 |
| Net loans and leases to deposits | 70.7009% | 3,246 |
| Net loans and leases to core deposits | 73.8387% | 3,329 |
| Total domestic deposits to total assets | 81.4765% | 3,544 |
| Equity capital to assets | 9.6045% | 3,601 |
| Core capital (leverage) ratio | 9.4412% | 3,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7719% | 1,566 |
| Memoranda: | ||
| Average total assets | $86,334,750 | 4,171 |
| Average earning assets | $81,507,000 | 4,141 |
| Average equity | $8,641,250 | 4,372 |
| Average total loans | $54,296,250 | 4,040 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5828% | 1,683 |
| Cost of funding earning assets | 0.9594% | 1,107 |
| Net interest margin | 3.6234% | 2,405 |
| Noninterest income to average assets | 0.3249% | 3,519 |
| Noninterest expense to average assets | 2.6907% | 2,412 |
| Loan and lease loss provision to assets | 0.2354% | 1,796 |
| Net operating income to assets | 0.5885% | 3,776 |
| Return on assets (ROA) | 0.5885% | 3,861 |
| Pretax return on assets | 0.8216% | 3,529 |
| Return on Equity (ROE) | 5.7967% | 3,580 |
| Retained earnings to average equity (ytd only) | 0.2551% | 4,259 |
| Net charge-offs to loans | 0.0402% | 1,943 |
| Credit loss provision to net charge-offs | 909.0909% | 841 |
| Earnings coverage of net charge-offs (x) | 40.8182% | 1,235 |
| Efficiency ratio | 71.7965% | 1,712 |
| Assets per employee ($millions) | 3.9337% | 4,368 |
| Cash dividends to net income (ytd only)* | 95.6000% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6094% | 984 |
| Loan loss allowance to noncurrent loans | 883.6735% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.2177% | 3,461 |
| Noncurrent loans to loans | 0.1821% | 3,725 |
| Net loans and leases to total assets | 58.5161% | 3,468 |
| Net loans and leases to deposits | 72.3611% | 3,222 |
| Net loans and leases to core deposits | 75.5918% | 3,318 |
| Total domestic deposits to total assets | 80.8667% | 3,640 |
| Equity capital to assets | 9.5716% | 3,588 |
| Core capital (leverage) ratio | 9.7308% | 3,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9142% | 1,510 |
| Memoranda: | ||
| Average total assets | $84,960,333 | 4,197 |
| Average earning assets | $80,256,333 | 4,166 |
| Average equity | $8,625,667 | 4,388 |
| Average total loans | $54,749,000 | 4,041 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7520% | 1,552 |
| Cost of funding earning assets | 0.9988% | 1,425 |
| Net interest margin | 3.7532% | 2,129 |
| Noninterest income to average assets | 0.3893% | 3,175 |
| Noninterest expense to average assets | 2.8710% | 2,210 |
| Loan and lease loss provision to assets | 0.0730% | 2,820 |
| Net operating income to assets | 0.7104% | 3,241 |
| Return on assets (ROA) | 0.7104% | 3,319 |
| Pretax return on assets | 0.9927% | 2,864 |
| Return on Equity (ROE) | 6.7840% | 3,034 |
| Retained earnings to average equity (ytd only) | -0.1394% | 4,014 |
| Net charge-offs to loans | 0.0072% | 2,311 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 219.0000% | 319 |
| Efficiency ratio | 72.9295% | 1,948 |
| Assets per employee ($millions) | 3.6188% | 4,368 |
| Cash dividends to net income (ytd only)* | 102.0548% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4485% | 1,531 |
| Loan loss allowance to noncurrent loans | 13,183.3333% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 4,140 |
| Noncurrent loans to loans | 0.0110% | 4,534 |
| Net loans and leases to total assets | 64.6614% | 2,986 |
| Net loans and leases to deposits | 77.0527% | 2,973 |
| Net loans and leases to core deposits | 80.6410% | 3,143 |
| Total domestic deposits to total assets | 83.9184% | 2,811 |
| Equity capital to assets | 10.3698% | 3,457 |
| Core capital (leverage) ratio | 10.4048% | 3,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9473% | 1,615 |
| Memoranda: | ||
| Average total assets | $82,202,500 | 4,236 |
| Average earning assets | $77,693,500 | 4,208 |
| Average equity | $8,608,500 | 4,407 |
| Average total loans | $55,219,000 | 4,048 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7813% | 2,099 |
| Cost of funding earning assets | 0.9656% | 1,881 |
| Net interest margin | 3.8157% | 2,453 |
| Noninterest income to average assets | 0.3835% | 3,393 |
| Noninterest expense to average assets | 2.9944% | 2,035 |
| Loan and lease loss provision to assets | 0.2061% | 978 |
| Net operating income to assets | 0.5970% | 4,170 |
| Return on assets (ROA) | 0.5871% | 4,257 |
| Pretax return on assets | 0.7595% | 4,059 |
| Return on Equity (ROE) | 5.5204% | 4,060 |
| Retained earnings to average equity (ytd only) | 0.8457% | 4,437 |
| Net charge-offs to loans | 0.2177% | 939 |
| Credit loss provision to net charge-offs | 144.7368% | 1,775 |
| Earnings coverage of net charge-offs (x) | 6.8684% | 2,927 |
| Efficiency ratio | 75.3774% | 1,434 |
| Assets per employee ($millions) | 3.5293% | 4,454 |
| Cash dividends to net income (ytd only)* | 84.6809% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 1,556 |
| Loan loss allowance to noncurrent loans | 298.8462% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.3881% | 2,853 |
| Noncurrent loans to loans | 0.4657% | 2,780 |
| Net loans and leases to total assets | 67.8193% | 2,704 |
| Net loans and leases to deposits | 81.0288% | 2,661 |
| Net loans and leases to core deposits | 84.9068% | 2,877 |
| Total domestic deposits to total assets | 83.6978% | 2,952 |
| Equity capital to assets | 10.5774% | 3,368 |
| Core capital (leverage) ratio | 10.4629% | 2,993 |
| Tier 1 risk-based capital ratio | 14.8561% | 2,843 |
| Total risk-based capital ratio | 16.1063% | 2,770 |
| Memoranda: | ||
| Average total assets | $80,048,600 | 4,284 |
| Average earning assets | $75,293,200 | 4,263 |
| Average equity | $8,513,800 | 4,447 |
| Average total loans | $52,361,000 | 4,135 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7220% | 2,356 |
| Cost of funding earning assets | 0.9405% | 2,037 |
| Net interest margin | 3.7815% | 2,649 |
| Noninterest income to average assets | 0.3744% | 3,473 |
| Noninterest expense to average assets | 2.9151% | 2,208 |
| Loan and lease loss provision to assets | 0.2424% | 682 |
| Net operating income to assets | 0.5568% | 4,390 |
| Return on assets (ROA) | 0.5449% | 4,470 |
| Pretax return on assets | 0.7572% | 4,220 |
| Return on Equity (ROE) | 5.1162% | 4,298 |
| Retained earnings to average equity (ytd only) | 1.2555% | 4,502 |
| Net charge-offs to loans | 0.2589% | 681 |
| Credit loss provision to net charge-offs | 145.0000% | 1,678 |
| Earnings coverage of net charge-offs (x) | 6.0700% | 2,864 |
| Efficiency ratio | 74.1812% | 1,538 |
| Assets per employee ($millions) | 3.5480% | 4,450 |
| Cash dividends to net income (ytd only)* | 75.4590% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4653% | 1,347 |
| Loan loss allowance to noncurrent loans | 203.4301% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.5294% | 2,416 |
| Noncurrent loans to loans | 0.7203% | 2,165 |
| Net loans and leases to total assets | 63.5361% | 3,332 |
| Net loans and leases to deposits | 76.2785% | 3,267 |
| Net loans and leases to core deposits | 80.7752% | 3,332 |
| Total domestic deposits to total assets | 83.2949% | 3,066 |
| Equity capital to assets | 10.5228% | 3,523 |
| Core capital (leverage) ratio | 10.6867% | 2,943 |
| Tier 1 risk-based capital ratio | 15.4223% | 2,663 |
| Total risk-based capital ratio | 16.6736% | 2,599 |
| Memoranda: | ||
| Average total assets | $79,767,500 | 4,345 |
| Average earning assets | $74,994,250 | 4,325 |
| Average equity | $8,495,750 | 4,497 |
| Average total loans | $51,494,250 | 4,203 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6972% | 2,365 |
| Cost of funding earning assets | 0.8980% | 2,154 |
| Net interest margin | 3.7992% | 2,589 |
| Noninterest income to average assets | 0.3588% | 3,530 |
| Noninterest expense to average assets | 2.9663% | 2,095 |
| Loan and lease loss provision to assets | 0.2653% | 570 |
| Net operating income to assets | 0.5056% | 4,518 |
| Return on assets (ROA) | 0.4876% | 4,589 |
| Pretax return on assets | 0.6746% | 4,392 |
| Return on Equity (ROE) | 4.5598% | 4,451 |
| Retained earnings to average equity (ytd only) | -0.3544% | 4,744 |
| Net charge-offs to loans | 0.3482% | 481 |
| Credit loss provision to net charge-offs | 117.9775% | 1,760 |
| Earnings coverage of net charge-offs (x) | 4.2809% | 2,749 |
| Efficiency ratio | 75.4984% | 1,459 |
| Assets per employee ($millions) | 3.6021% | 4,376 |
| Cash dividends to net income (ytd only)* | 107.7720% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 1,455 |
| Loan loss allowance to noncurrent loans | 215.0725% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.5376% | 2,401 |
| Noncurrent loans to loans | 0.6704% | 2,287 |
| Net loans and leases to total assets | 63.9974% | 3,342 |
| Net loans and leases to deposits | 77.3924% | 3,206 |
| Net loans and leases to core deposits | 81.6722% | 3,288 |
| Total domestic deposits to total assets | 82.6921% | 3,308 |
| Equity capital to assets | 10.7133% | 3,333 |
| Core capital (leverage) ratio | 10.7426% | 2,849 |
| Tier 1 risk-based capital ratio | 15.8657% | 2,469 |
| Total risk-based capital ratio | 17.1169% | 2,410 |
| Memoranda: | ||
| Average total assets | $79,155,330 | 4,389 |
| Average earning assets | $74,385,000 | 4,366 |
| Average equity | $8,465,330 | 4,524 |
| Average total loans | $51,119,330 | 4,236 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6245% | 2,452 |
| Cost of funding earning assets | 0.8408% | 2,322 |
| Net interest margin | 3.7837% | 2,591 |
| Noninterest income to average assets | 0.3590% | 3,453 |
| Noninterest expense to average assets | 2.9124% | 2,239 |
| Loan and lease loss provision to assets | 0.2275% | 681 |
| Net operating income to assets | 0.5621% | 4,355 |
| Return on assets (ROA) | 0.5461% | 4,418 |
| Pretax return on assets | 0.7483% | 4,176 |
| Return on Equity (ROE) | 5.1106% | 4,293 |
| Retained earnings to average equity (ytd only) | 2.2714% | 3,990 |
| Net charge-offs to loans | 0.8479% | 174 |
| Credit loss provision to net charge-offs | 41.6667% | 2,016 |
| Earnings coverage of net charge-offs (x) | 1.8241% | 2,553 |
| Efficiency ratio | 74.5149% | 1,679 |
| Assets per employee ($millions) | 3.6462% | 4,409 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 2,084 |
| Loan loss allowance to noncurrent loans | 231.8182% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 3,149 |
| Noncurrent loans to loans | 0.5615% | 2,637 |
| Net loans and leases to total assets | 62.6745% | 3,437 |
| Net loans and leases to deposits | 75.5277% | 3,302 |
| Net loans and leases to core deposits | 79.6246% | 3,402 |
| Total domestic deposits to total assets | 82.9822% | 3,394 |
| Equity capital to assets | 10.6101% | 3,248 |
| Core capital (leverage) ratio | 10.9667% | 2,601 |
| Tier 1 risk-based capital ratio | 15.9308% | 2,469 |
| Total risk-based capital ratio | 17.1722% | 2,409 |
| Memoranda: | ||
| Average total assets | $79,109,500 | 4,427 |
| Average earning assets | $74,213,000 | 4,410 |
| Average equity | $8,453,000 | 4,549 |
| Average total loans | $50,950,000 | 4,282 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4417% | 2,629 |
| Cost of funding earning assets | 0.7320% | 1,888 |
| Net interest margin | 3.7096% | 2,996 |
| Noninterest income to average assets | 0.3836% | 3,536 |
| Noninterest expense to average assets | 2.8338% | 2,568 |
| Loan and lease loss provision to assets | 0.1451% | 1,477 |
| Net operating income to assets | 0.7070% | 4,120 |
| Return on assets (ROA) | 0.6990% | 4,142 |
| Pretax return on assets | 0.8983% | 3,901 |
| Return on Equity (ROE) | 6.6492% | 3,950 |
| Retained earnings to average equity (ytd only) | 1.3923% | 4,572 |
| Net charge-offs to loans | 0.2809% | 690 |
| Credit loss provision to net charge-offs | 78.7671% | 2,883 |
| Earnings coverage of net charge-offs (x) | 5.7192% | 3,160 |
| Efficiency ratio | 72.8984% | 1,784 |
| Assets per employee ($millions) | 3.3914% | 4,664 |
| Cash dividends to net income (ytd only)* | 79.0614% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 1,544 |
| Loan loss allowance to noncurrent loans | 112.0370% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.8897% | 1,565 |
| Noncurrent loans to loans | 1.2715% | 1,253 |
| Net loans and leases to total assets | 64.4027% | 3,313 |
| Net loans and leases to deposits | 76.8358% | 3,286 |
| Net loans and leases to core deposits | 81.5559% | 3,295 |
| Total domestic deposits to total assets | 83.8186% | 3,054 |
| Equity capital to assets | 10.7624% | 2,917 |
| Core capital (leverage) ratio | 10.7940% | 2,742 |
| Tier 1 risk-based capital ratio | 15.9109% | 2,438 |
| Total risk-based capital ratio | 17.1616% | 2,378 |
| Memoranda: | ||
| Average total assets | $79,258,000 | 4,439 |
| Average earning assets | $74,859,000 | 4,406 |
| Average equity | $8,331,800 | 4,549 |
| Average total loans | $51,976,000 | 4,268 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4138% | 2,583 |
| Cost of funding earning assets | 0.7020% | 1,837 |
| Net interest margin | 3.7118% | 2,975 |
| Noninterest income to average assets | 0.3519% | 3,779 |
| Noninterest expense to average assets | 2.7480% | 2,821 |
| Loan and lease loss provision to assets | 0.1173% | 1,731 |
| Net operating income to assets | 0.7192% | 4,169 |
| Return on assets (ROA) | 0.7205% | 4,174 |
| Pretax return on assets | 1.0054% | 3,704 |
| Return on Equity (ROE) | 6.8942% | 3,969 |
| Retained earnings to average equity (ytd only) | 2.4370% | 4,426 |
| Net charge-offs to loans | 0.0460% | 2,176 |
| Credit loss provision to net charge-offs | 388.8889% | 838 |
| Earnings coverage of net charge-offs (x) | 37.1658% | 1,412 |
| Efficiency ratio | 71.0264% | 2,035 |
| Assets per employee ($millions) | 3.1763% | 4,905 |
| Cash dividends to net income (ytd only)* | 64.6515% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5577% | 1,180 |
| Loan loss allowance to noncurrent loans | 168.5417% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.6083% | 2,358 |
| Noncurrent loans to loans | 0.9243% | 1,847 |
| Net loans and leases to total assets | 64.3835% | 3,377 |
| Net loans and leases to deposits | 77.0698% | 3,313 |
| Net loans and leases to core deposits | 81.7189% | 3,351 |
| Total domestic deposits to total assets | 83.5392% | 3,107 |
| Equity capital to assets | 10.5432% | 3,101 |
| Core capital (leverage) ratio | 10.8056% | 2,787 |
| Tier 1 risk-based capital ratio | 15.5255% | 2,643 |
| Total risk-based capital ratio | 16.7772% | 2,571 |
| Memoranda: | ||
| Average total assets | $79,571,750 | 4,481 |
| Average earning assets | $75,398,000 | 4,440 |
| Average equity | $8,316,000 | 4,602 |
| Average total loans | $52,229,500 | 4,304 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3460% | 2,599 |
| Cost of funding earning assets | 0.6904% | 1,679 |
| Net interest margin | 3.6556% | 3,092 |
| Noninterest income to average assets | 0.3567% | 3,774 |
| Noninterest expense to average assets | 2.7101% | 2,981 |
| Loan and lease loss provision to assets | 0.0879% | 2,157 |
| Net operating income to assets | 0.7440% | 4,055 |
| Return on assets (ROA) | 0.7460% | 4,051 |
| Pretax return on assets | 1.0323% | 3,561 |
| Return on Equity (ROE) | 7.1589% | 3,847 |
| Retained earnings to average equity (ytd only) | 2.2658% | 4,376 |
| Net charge-offs to loans | 0.0764% | 1,561 |
| Credit loss provision to net charge-offs | 175.0000% | 1,425 |
| Earnings coverage of net charge-offs (x) | 22.2500% | 1,751 |
| Efficiency ratio | 70.8005% | 2,192 |
| Assets per employee ($millions) | 3.1184% | 4,999 |
| Cash dividends to net income (ytd only)* | 68.3502% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5132% | 1,355 |
| Loan loss allowance to noncurrent loans | 160.1660% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.6221% | 2,353 |
| Noncurrent loans to loans | 0.9448% | 1,839 |
| Net loans and leases to total assets | 64.4510% | 3,344 |
| Net loans and leases to deposits | 76.0784% | 3,317 |
| Net loans and leases to core deposits | 79.4114% | 3,467 |
| Total domestic deposits to total assets | 84.7165% | 2,788 |
| Equity capital to assets | 10.5836% | 3,040 |
| Core capital (leverage) ratio | 10.7492% | 2,756 |
| Tier 1 risk-based capital ratio | 15.7743% | 2,524 |
| Total risk-based capital ratio | 17.0250% | 2,469 |
| Memoranda: | ||
| Average total assets | $79,626,670 | 4,522 |
| Average earning assets | $75,609,330 | 4,480 |
| Average equity | $8,297,330 | 4,645 |
| Average total loans | $52,328,000 | 4,343 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2533% | 2,697 |
| Cost of funding earning assets | 0.6914% | 1,486 |
| Net interest margin | 3.5618% | 3,310 |
| Noninterest income to average assets | 0.3629% | 3,716 |
| Noninterest expense to average assets | 2.7144% | 2,998 |
| Loan and lease loss provision to assets | 0.0746% | 2,273 |
| Net operating income to assets | 0.6921% | 4,132 |
| Return on assets (ROA) | 0.6960% | 4,119 |
| Pretax return on assets | 0.9595% | 3,668 |
| Return on Equity (ROE) | 6.7304% | 3,891 |
| Retained earnings to average equity (ytd only) | 4.7113% | 3,306 |
| Net charge-offs to loans | 0.1132% | 1,098 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 13.8000% | 1,737 |
| Efficiency ratio | 72.5100% | 2,121 |
| Assets per employee ($millions) | 3.1562% | 5,039 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4603% | 1,616 |
| Loan loss allowance to noncurrent loans | 103.6986% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.9607% | 1,645 |
| Noncurrent loans to loans | 1.4082% | 1,262 |
| Net loans and leases to total assets | 64.7382% | 3,210 |
| Net loans and leases to deposits | 76.2426% | 3,187 |
| Net loans and leases to core deposits | 79.5196% | 3,361 |
| Total domestic deposits to total assets | 84.9108% | 2,967 |
| Equity capital to assets | 10.5039% | 3,074 |
| Core capital (leverage) ratio | 10.4724% | 2,979 |
| Tier 1 risk-based capital ratio | 15.4324% | 2,684 |
| Total risk-based capital ratio | 16.6828% | 2,622 |
| Memoranda: | ||
| Average total assets | $80,460,000 | 4,559 |
| Average earning assets | $76,365,000 | 4,521 |
| Average equity | $8,320,500 | 4,696 |
| Average total loans | $52,983,000 | 4,372 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0560% | 3,219 |
| Cost of funding earning assets | 0.5935% | 1,641 |
| Net interest margin | 3.4625% | 3,649 |
| Noninterest income to average assets | 0.3460% | 3,989 |
| Noninterest expense to average assets | 2.5819% | 3,502 |
| Loan and lease loss provision to assets | 0.0739% | 2,729 |
| Net operating income to assets | 0.6296% | 3,890 |
| Return on assets (ROA) | 0.6328% | 3,917 |
| Pretax return on assets | 0.9776% | 3,650 |
| Return on Equity (ROE) | 6.1244% | 3,708 |
| Retained earnings to average equity (ytd only) | 0.9294% | 4,648 |
| Net charge-offs to loans | 0.1685% | 1,464 |
| Credit loss provision to net charge-offs | 68.9655% | 3,098 |
| Earnings coverage of net charge-offs (x) | 9.7701% | 2,751 |
| Efficiency ratio | 71.1571% | 2,364 |
| Assets per employee ($millions) | 3.4173% | 4,802 |
| Cash dividends to net income (ytd only)* | 84.8249% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 1,778 |
| Loan loss allowance to noncurrent loans | 140.9683% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.6889% | 2,250 |
| Noncurrent loans to loans | 0.9921% | 1,783 |
| Net loans and leases to total assets | 65.0739% | 3,217 |
| Net loans and leases to deposits | 79.2784% | 2,997 |
| Net loans and leases to core deposits | 83.5018% | 3,103 |
| Total domestic deposits to total assets | 82.0828% | 3,852 |
| Equity capital to assets | 10.1846% | 3,507 |
| Core capital (leverage) ratio | 10.3802% | 2,985 |
| Tier 1 risk-based capital ratio | 14.6772% | 3,002 |
| Total risk-based capital ratio | 15.9279% | 2,931 |
| Memoranda: | ||
| Average total assets | $81,220,600 | 4,566 |
| Average earning assets | $76,996,200 | 4,522 |
| Average equity | $8,392,600 | 4,719 |
| Average total loans | $51,628,800 | 4,418 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0158% | 3,292 |
| Cost of funding earning assets | 0.5848% | 1,646 |
| Net interest margin | 3.4310% | 3,736 |
| Noninterest income to average assets | 0.3077% | 4,326 |
| Noninterest expense to average assets | 2.5277% | 3,640 |
| Loan and lease loss provision to assets | 0.0247% | 3,649 |
| Net operating income to assets | 0.7009% | 3,977 |
| Return on assets (ROA) | 0.7043% | 4,023 |
| Pretax return on assets | 1.0137% | 3,629 |
| Return on Equity (ROE) | 6.7914% | 3,771 |
| Retained earnings to average equity (ytd only) | 2.4277% | 4,435 |
| Net charge-offs to loans | 0.0837% | 1,967 |
| Credit loss provision to net charge-offs | 46.8750% | 2,946 |
| Earnings coverage of net charge-offs (x) | 19.6229% | 1,994 |
| Efficiency ratio | 70.9797% | 2,369 |
| Assets per employee ($millions) | 3.2034% | 5,059 |
| Cash dividends to net income (ytd only)* | 64.2530% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4751% | 1,622 |
| Loan loss allowance to noncurrent loans | 110.6782% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.9053% | 1,884 |
| Noncurrent loans to loans | 1.3328% | 1,430 |
| Net loans and leases to total assets | 63.9695% | 3,402 |
| Net loans and leases to deposits | 75.5482% | 3,420 |
| Net loans and leases to core deposits | 79.5275% | 3,488 |
| Total domestic deposits to total assets | 84.6738% | 2,847 |
| Equity capital to assets | 10.6449% | 3,223 |
| Core capital (leverage) ratio | 10.5007% | 2,986 |
| Tier 1 risk-based capital ratio | 15.2899% | 2,797 |
| Total risk-based capital ratio | 16.5411% | 2,736 |
| Memoranda: | ||
| Average total assets | $81,021,750 | 4,611 |
| Average earning assets | $76,827,500 | 4,568 |
| Average equity | $8,402,500 | 4,765 |
| Average total loans | $51,004,000 | 4,477 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9517% | 3,370 |
| Cost of funding earning assets | 0.5664% | 1,673 |
| Net interest margin | 3.3853% | 3,824 |
| Noninterest income to average assets | 0.3000% | 4,389 |
| Noninterest expense to average assets | 2.5106% | 3,711 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6927% | 3,878 |
| Return on assets (ROA) | 0.6910% | 3,952 |
| Pretax return on assets | 0.9910% | 3,600 |
| Return on Equity (ROE) | 6.7211% | 3,711 |
| Retained earnings to average equity (ytd only) | 1.9852% | 4,462 |
| Net charge-offs to loans | 0.1145% | 1,495 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 13.9310% | 2,106 |
| Efficiency ratio | 71.6491% | 2,405 |
| Assets per employee ($millions) | 3.2751% | 5,007 |
| Cash dividends to net income (ytd only)* | 70.4626% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 1,703 |
| Loan loss allowance to noncurrent loans | 150.6986% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.6522% | 2,597 |
| Noncurrent loans to loans | 0.9721% | 2,023 |
| Net loans and leases to total assets | 62.0247% | 3,630 |
| Net loans and leases to deposits | 74.7076% | 3,475 |
| Net loans and leases to core deposits | 78.6325% | 3,538 |
| Total domestic deposits to total assets | 83.0233% | 3,557 |
| Equity capital to assets | 10.3594% | 3,500 |
| Core capital (leverage) ratio | 10.4038% | 3,020 |
| Tier 1 risk-based capital ratio | 15.1293% | 2,872 |
| Total risk-based capital ratio | 16.3795% | 2,807 |
| Memoranda: | ||
| Average total assets | $81,334,000 | 4,640 |
| Average earning assets | $76,980,330 | 4,592 |
| Average equity | $8,361,670 | 4,790 |
| Average total loans | $50,673,000 | 4,510 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8556% | 3,566 |
| Cost of funding earning assets | 0.5463% | 1,738 |
| Net interest margin | 3.3093% | 3,977 |
| Noninterest income to average assets | 0.3010% | 4,411 |
| Noninterest expense to average assets | 2.5462% | 3,669 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6267% | 4,035 |
| Return on assets (ROA) | 0.6267% | 4,083 |
| Pretax return on assets | 0.8931% | 3,797 |
| Return on Equity (ROE) | 6.1194% | 3,851 |
| Retained earnings to average equity (ytd only) | 3.7102% | 3,590 |
| Net charge-offs to loans | 0.1831% | 926 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 7.8696% | 2,102 |
| Efficiency ratio | 74.0316% | 2,228 |
| Assets per employee ($millions) | 3.5004% | 4,787 |
| Cash dividends to net income (ytd only)* | 39.3701% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 1,632 |
| Loan loss allowance to noncurrent loans | 141.1874% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.7229% | 2,485 |
| Noncurrent loans to loans | 1.0753% | 1,904 |
| Net loans and leases to total assets | 61.3154% | 3,623 |
| Net loans and leases to deposits | 71.1711% | 3,681 |
| Net loans and leases to core deposits | 74.8261% | 3,753 |
| Total domestic deposits to total assets | 86.1520% | 2,604 |
| Equity capital to assets | 10.4124% | 3,280 |
| Core capital (leverage) ratio | 10.3897% | 3,018 |
| Tier 1 risk-based capital ratio | 15.3064% | 2,833 |
| Total risk-based capital ratio | 16.5575% | 2,762 |
| Memoranda: | ||
| Average total assets | $81,062,500 | 4,698 |
| Average earning assets | $76,875,000 | 4,632 |
| Average equity | $8,301,500 | 4,841 |
| Average total loans | $50,240,000 | 4,555 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0513% | 3,015 |
| Cost of funding earning assets | 0.5438% | 1,758 |
| Net interest margin | 3.5075% | 3,397 |
| Noninterest income to average assets | 0.2597% | 4,872 |
| Noninterest expense to average assets | 2.6143% | 3,633 |
| Loan and lease loss provision to assets | 0.1113% | 2,205 |
| Net operating income to assets | 0.6080% | 4,174 |
| Return on assets (ROA) | 0.6703% | 4,023 |
| Pretax return on assets | 0.9312% | 3,728 |
| Return on Equity (ROE) | 6.3786% | 3,801 |
| Retained earnings to average equity (ytd only) | 0.7414% | 5,031 |
| Net charge-offs to loans | 0.0798% | 2,548 |
| Credit loss provision to net charge-offs | 225.0000% | 1,274 |
| Earnings coverage of net charge-offs (x) | 19.3250% | 1,919 |
| Efficiency ratio | 73.2248% | 2,388 |
| Assets per employee ($millions) | 3.4006% | 4,904 |
| Cash dividends to net income (ytd only)* | 88.3764% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5570% | 1,480 |
| Loan loss allowance to noncurrent loans | 175.0000% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.5906% | 2,961 |
| Noncurrent loans to loans | 0.8897% | 2,317 |
| Net loans and leases to total assets | 60.7364% | 3,769 |
| Net loans and leases to deposits | 73.1477% | 3,601 |
| Net loans and leases to core deposits | 76.9972% | 3,661 |
| Total domestic deposits to total assets | 83.0325% | 3,759 |
| Equity capital to assets | 10.0717% | 3,649 |
| Core capital (leverage) ratio | 10.1715% | 3,267 |
| Tier 1 risk-based capital ratio | 15.0644% | 2,940 |
| Total risk-based capital ratio | 16.3165% | 2,867 |
| Memoranda: | ||
| Average total assets | $80,861,600 | 4,721 |
| Average earning assets | $76,321,200 | 4,667 |
| Average equity | $8,497,200 | 4,842 |
| Average total loans | $50,131,200 | 4,569 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0521% | 3,030 |
| Cost of funding earning assets | 0.5374% | 1,812 |
| Net interest margin | 3.5147% | 3,416 |
| Noninterest income to average assets | 0.3024% | 4,602 |
| Noninterest expense to average assets | 2.5634% | 3,787 |
| Loan and lease loss provision to assets | 0.1487% | 1,578 |
| Net operating income to assets | 0.6538% | 4,065 |
| Return on assets (ROA) | 0.7371% | 3,793 |
| Pretax return on assets | 1.0247% | 3,532 |
| Return on Equity (ROE) | 6.9416% | 3,590 |
| Retained earnings to average equity (ytd only) | 2.1946% | 4,596 |
| Net charge-offs to loans | 0.0586% | 2,516 |
| Credit loss provision to net charge-offs | 409.0909% | 825 |
| Earnings coverage of net charge-offs (x) | 29.0934% | 1,520 |
| Efficiency ratio | 70.7896% | 2,778 |
| Assets per employee ($millions) | 3.3958% | 4,913 |
| Cash dividends to net income (ytd only)* | 68.3864% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5884% | 1,515 |
| Loan loss allowance to noncurrent loans | 115.8960% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.9338% | 2,233 |
| Noncurrent loans to loans | 1.3705% | 1,608 |
| Net loans and leases to total assets | 60.9701% | 3,747 |
| Net loans and leases to deposits | 73.8237% | 3,614 |
| Net loans and leases to core deposits | 77.7305% | 3,688 |
| Total domestic deposits to total assets | 82.5887% | 3,747 |
| Equity capital to assets | 10.6222% | 3,436 |
| Core capital (leverage) ratio | 10.2868% | 3,239 |
| Tier 1 risk-based capital ratio | 15.1262% | 2,985 |
| Total risk-based capital ratio | 16.3788% | 2,923 |
| Memoranda: | ||
| Average total assets | $80,673,250 | 4,762 |
| Average earning assets | $76,173,250 | 4,711 |
| Average equity | $8,566,500 | 4,874 |
| Average total loans | $50,075,500 | 4,607 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0490% | 3,066 |
| Cost of funding earning assets | 0.5321% | 1,856 |
| Net interest margin | 3.5169% | 3,426 |
| Noninterest income to average assets | 0.2985% | 4,649 |
| Noninterest expense to average assets | 2.6070% | 3,701 |
| Loan and lease loss provision to assets | 0.2239% | 924 |
| Net operating income to assets | 0.5669% | 4,412 |
| Return on assets (ROA) | 0.6493% | 4,189 |
| Pretax return on assets | 0.9030% | 3,944 |
| Return on Equity (ROE) | 6.1150% | 3,995 |
| Retained earnings to average equity (ytd only) | 0.3749% | 5,191 |
| Net charge-offs to loans | 0.0921% | 1,918 |
| Credit loss provision to net charge-offs | 391.3043% | 786 |
| Earnings coverage of net charge-offs (x) | 17.6957% | 1,865 |
| Efficiency ratio | 72.0275% | 2,651 |
| Assets per employee ($millions) | 3.3842% | 4,946 |
| Cash dividends to net income (ytd only)* | 93.8697% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5822% | 1,578 |
| Loan loss allowance to noncurrent loans | 236.2832% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.5023% | 3,531 |
| Noncurrent loans to loans | 0.6696% | 3,061 |
| Net loans and leases to total assets | 61.3445% | 3,701 |
| Net loans and leases to deposits | 72.1407% | 3,773 |
| Net loans and leases to core deposits | 75.8564% | 3,833 |
| Total domestic deposits to total assets | 85.0345% | 2,864 |
| Equity capital to assets | 10.5910% | 3,538 |
| Core capital (leverage) ratio | 10.3124% | 3,176 |
| Tier 1 risk-based capital ratio | 14.9482% | 3,098 |
| Total risk-based capital ratio | 16.1993% | 3,041 |
| Memoranda: | ||
| Average total assets | $80,398,000 | 4,807 |
| Average earning assets | $75,920,000 | 4,757 |
| Average equity | $8,536,330 | 4,913 |
| Average total loans | $49,936,670 | 4,647 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0651% | 2,986 |
| Cost of funding earning assets | 0.5399% | 1,794 |
| Net interest margin | 3.5252% | 3,373 |
| Noninterest income to average assets | 0.2950% | 4,612 |
| Noninterest expense to average assets | 2.6404% | 3,609 |
| Loan and lease loss provision to assets | 0.2250% | 833 |
| Net operating income to assets | 0.5445% | 4,447 |
| Return on assets (ROA) | 0.7101% | 3,782 |
| Pretax return on assets | 0.9902% | 3,520 |
| Return on Equity (ROE) | 6.6796% | 3,624 |
| Retained earnings to average equity (ytd only) | 3.1516% | 3,941 |
| Net charge-offs to loans | 0.0161% | 2,612 |
| Credit loss provision to net charge-offs | 2,250.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 98.5000% | 547 |
| Efficiency ratio | 72.8276% | 2,675 |
| Assets per employee ($millions) | 3.3362% | 5,073 |
| Cash dividends to net income (ytd only)* | 52.8169% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5758% | 1,698 |
| Loan loss allowance to noncurrent loans | 196.7089% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.5308% | 3,483 |
| Noncurrent loans to loans | 0.8011% | 2,834 |
| Net loans and leases to total assets | 60.6135% | 3,697 |
| Net loans and leases to deposits | 70.5622% | 3,804 |
| Net loans and leases to core deposits | 74.2068% | 3,870 |
| Total domestic deposits to total assets | 85.9007% | 2,712 |
| Equity capital to assets | 10.6834% | 3,276 |
| Core capital (leverage) ratio | 10.3177% | 3,170 |
| Tier 1 risk-based capital ratio | 15.6847% | 2,828 |
| Total risk-based capital ratio | 16.9363% | 2,759 |
| Memoranda: | ||
| Average total assets | $79,987,000 | 4,857 |
| Average earning assets | $75,570,500 | 4,813 |
| Average equity | $8,503,500 | 4,953 |
| Average total loans | $49,592,500 | 4,689 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1304% | 2,807 |
| Cost of funding earning assets | 0.4513% | 2,613 |
| Net interest margin | 3.6791% | 2,833 |
| Noninterest income to average assets | 0.3498% | 4,402 |
| Noninterest expense to average assets | 2.6323% | 3,806 |
| Loan and lease loss provision to assets | 0.1821% | 1,243 |
| Net operating income to assets | 0.7367% | 3,639 |
| Return on assets (ROA) | 0.7751% | 3,519 |
| Pretax return on assets | 1.0768% | 3,165 |
| Return on Equity (ROE) | 7.1336% | 3,443 |
| Retained earnings to average equity (ytd only) | 2.5135% | 4,285 |
| Net charge-offs to loans | 0.5767% | 424 |
| Credit loss provision to net charge-offs | 49.8221% | 3,407 |
| Earnings coverage of net charge-offs (x) | 3.2989% | 3,747 |
| Efficiency ratio | 68.5869% | 3,468 |
| Assets per employee ($millions) | 3.3294% | 5,104 |
| Cash dividends to net income (ytd only)* | 64.7651% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 2,125 |
| Loan loss allowance to noncurrent loans | 210.3152% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.4743% | 3,728 |
| Noncurrent loans to loans | 0.6997% | 3,099 |
| Net loans and leases to total assets | 61.4998% | 3,631 |
| Net loans and leases to deposits | 74.1856% | 3,470 |
| Net loans and leases to core deposits | 78.1719% | 3,530 |
| Total domestic deposits to total assets | 82.8999% | 3,870 |
| Equity capital to assets | 10.5787% | 3,277 |
| Core capital (leverage) ratio | 10.4786% | 2,954 |
| Tier 1 risk-based capital ratio | 15.5816% | 2,893 |
| Total risk-based capital ratio | 16.8332% | 2,825 |
| Memoranda: | ||
| Average total assets | $76,891,400 | 4,929 |
| Average earning assets | $72,897,800 | 4,878 |
| Average equity | $8,354,800 | 4,992 |
| Average total loans | $48,727,200 | 4,711 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1469% | 2,765 |
| Cost of funding earning assets | 0.4354% | 2,847 |
| Net interest margin | 3.7116% | 2,718 |
| Noninterest income to average assets | 0.3362% | 4,539 |
| Noninterest expense to average assets | 2.6548% | 3,705 |
| Loan and lease loss provision to assets | 0.1926% | 1,050 |
| Net operating income to assets | 0.6965% | 3,915 |
| Return on assets (ROA) | 0.7460% | 3,797 |
| Pretax return on assets | 1.0840% | 3,296 |
| Return on Equity (ROE) | 6.8184% | 3,722 |
| Retained earnings to average equity (ytd only) | 2.4649% | 4,638 |
| Net charge-offs to loans | 0.6634% | 331 |
| Credit loss provision to net charge-offs | 45.6432% | 3,087 |
| Earnings coverage of net charge-offs (x) | 2.8547% | 3,594 |
| Efficiency ratio | 68.7840% | 3,410 |
| Assets per employee ($millions) | 3.2513% | 5,215 |
| Cash dividends to net income (ytd only)* | 63.8497% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5028% | 2,148 |
| Loan loss allowance to noncurrent loans | 486.2745% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 4,573 |
| Noncurrent loans to loans | 0.3091% | 4,498 |
| Net loans and leases to total assets | 62.4897% | 3,538 |
| Net loans and leases to deposits | 75.0000% | 3,422 |
| Net loans and leases to core deposits | 80.7639% | 3,366 |
| Total domestic deposits to total assets | 83.3197% | 3,689 |
| Equity capital to assets | 10.7828% | 3,259 |
| Core capital (leverage) ratio | 10.6623% | 2,865 |
| Tier 1 risk-based capital ratio | 15.4855% | 3,058 |
| Total risk-based capital ratio | 16.7360% | 2,985 |
| Memoranda: | ||
| Average total assets | $76,137,750 | 5,000 |
| Average earning assets | $72,276,750 | 4,948 |
| Average equity | $8,330,250 | 5,060 |
| Average total loans | $48,440,000 | 4,771 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1586% | 2,691 |
| Cost of funding earning assets | 0.4217% | 3,024 |
| Net interest margin | 3.7369% | 2,555 |
| Noninterest income to average assets | 0.3417% | 4,509 |
| Noninterest expense to average assets | 2.6673% | 3,698 |
| Loan and lease loss provision to assets | 0.2119% | 911 |
| Net operating income to assets | 0.6941% | 3,916 |
| Return on assets (ROA) | 0.7178% | 3,926 |
| Pretax return on assets | 1.0410% | 3,414 |
| Return on Equity (ROE) | 6.5283% | 3,866 |
| Retained earnings to average equity (ytd only) | 1.1804% | 5,089 |
| Net charge-offs to loans | 0.7986% | 273 |
| Credit loss provision to net charge-offs | 41.6667% | 2,790 |
| Earnings coverage of net charge-offs (x) | 2.3958% | 3,347 |
| Efficiency ratio | 68.6435% | 3,564 |
| Assets per employee ($millions) | 3.0571% | 5,520 |
| Cash dividends to net income (ytd only)* | 81.9188% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5857% | 1,954 |
| Loan loss allowance to noncurrent loans | 208.4699% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 3,754 |
| Noncurrent loans to loans | 0.7606% | 3,213 |
| Net loans and leases to total assets | 61.9611% | 3,554 |
| Net loans and leases to deposits | 72.6471% | 3,657 |
| Net loans and leases to core deposits | 78.2133% | 3,555 |
| Total domestic deposits to total assets | 85.2905% | 3,012 |
| Equity capital to assets | 10.7933% | 3,116 |
| Core capital (leverage) ratio | 10.6935% | 2,741 |
| Tier 1 risk-based capital ratio | 15.9752% | 2,870 |
| Total risk-based capital ratio | 17.2284% | 2,827 |
| Memoranda: | ||
| Average total assets | $75,506,330 | 5,065 |
| Average earning assets | $71,610,670 | 5,007 |
| Average equity | $8,302,330 | 5,098 |
| Average total loans | $48,084,670 | 4,821 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1260% | 2,722 |
| Cost of funding earning assets | 0.4047% | 3,251 |
| Net interest margin | 3.7212% | 2,549 |
| Noninterest income to average assets | 0.3465% | 4,426 |
| Noninterest expense to average assets | 2.7716% | 3,340 |
| Loan and lease loss provision to assets | 0.2665% | 597 |
| Net operating income to assets | 0.5769% | 4,376 |
| Return on assets (ROA) | 0.5916% | 4,419 |
| Pretax return on assets | 0.8581% | 4,032 |
| Return on Equity (ROE) | 5.3308% | 4,360 |
| Retained earnings to average equity (ytd only) | 1.1526% | 5,022 |
| Net charge-offs to loans | 0.5659% | 435 |
| Credit loss provision to net charge-offs | 73.5294% | 1,886 |
| Earnings coverage of net charge-offs (x) | 3.0441% | 2,663 |
| Efficiency ratio | 71.5268% | 3,244 |
| Assets per employee ($millions) | 3.1107% | 5,533 |
| Cash dividends to net income (ytd only)* | 78.3784% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8119% | 1,477 |
| Loan loss allowance to noncurrent loans | 269.4969% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.4648% | 4,170 |
| Noncurrent loans to loans | 0.6723% | 3,605 |
| Net loans and leases to total assets | 62.2072% | 3,332 |
| Net loans and leases to deposits | 70.4595% | 3,700 |
| Net loans and leases to core deposits | 75.3171% | 3,661 |
| Total domestic deposits to total assets | 88.2878% | 1,668 |
| Equity capital to assets | 11.2233% | 2,730 |
| Core capital (leverage) ratio | 10.9322% | 2,485 |
| Tier 1 risk-based capital ratio | 16.5044% | 2,681 |
| Total risk-based capital ratio | 17.7600% | 2,623 |
| Memoranda: | ||
| Average total assets | $75,046,000 | 5,131 |
| Average earning assets | $71,159,000 | 5,067 |
| Average equity | $8,329,000 | 5,133 |
| Average total loans | $48,068,000 | 4,844 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1468% | 3,138 |
| Cost of funding earning assets | 0.4593% | 3,083 |
| Net interest margin | 3.6874% | 3,056 |
| Noninterest income to average assets | 0.5821% | 2,974 |
| Noninterest expense to average assets | 2.6603% | 4,006 |
| Loan and lease loss provision to assets | 0.1673% | 1,564 |
| Net operating income to assets | 0.8725% | 3,007 |
| Return on assets (ROA) | 0.9058% | 2,929 |
| Pretax return on assets | 1.2961% | 2,254 |
| Return on Equity (ROE) | 8.2095% | 3,015 |
| Retained earnings to average equity (ytd only) | 1.7380% | 4,949 |
| Net charge-offs to loans | 0.3042% | 1,454 |
| Credit loss provision to net charge-offs | 87.2340% | 2,699 |
| Earnings coverage of net charge-offs (x) | 7.3830% | 3,038 |
| Efficiency ratio | 65.2653% | 4,365 |
| Assets per employee ($millions) | 3.2798% | 5,293 |
| Cash dividends to net income (ytd only)* | 78.8288% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7917% | 1,556 |
| Loan loss allowance to noncurrent loans | 186.1702% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.6297% | 3,690 |
| Noncurrent loans to loans | 0.9624% | 2,919 |
| Net loans and leases to total assets | 63.5806% | 3,280 |
| Net loans and leases to deposits | 75.7957% | 3,223 |
| Net loans and leases to core deposits | 79.9007% | 3,310 |
| Total domestic deposits to total assets | 83.8841% | 3,774 |
| Equity capital to assets | 10.9750% | 2,921 |
| Core capital (leverage) ratio | 10.6990% | 2,720 |
| Tier 1 risk-based capital ratio | 16.2983% | 2,814 |
| Total risk-based capital ratio | 17.5542% | 2,755 |
| Memoranda: | ||
| Average total assets | $73,526,000 | 5,199 |
| Average earning assets | $69,669,000 | 5,131 |
| Average equity | $8,112,600 | 5,174 |
| Average total loans | $46,348,200 | 4,939 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1410% | 3,206 |
| Cost of funding earning assets | 0.4640% | 3,110 |
| Net interest margin | 3.6770% | 3,121 |
| Noninterest income to average assets | 0.5457% | 3,226 |
| Noninterest expense to average assets | 2.6174% | 4,140 |
| Loan and lease loss provision to assets | 0.1369% | 1,824 |
| Net operating income to assets | 0.8805% | 3,017 |
| Return on assets (ROA) | 0.8944% | 3,035 |
| Pretax return on assets | 1.2977% | 2,381 |
| Return on Equity (ROE) | 8.0947% | 3,156 |
| Retained earnings to average equity (ytd only) | 2.3127% | 4,896 |
| Net charge-offs to loans | 0.2741% | 1,433 |
| Credit loss provision to net charge-offs | 79.7872% | 2,594 |
| Earnings coverage of net charge-offs (x) | 8.2447% | 2,833 |
| Efficiency ratio | 64.9163% | 4,388 |
| Assets per employee ($millions) | 3.2470% | 5,335 |
| Cash dividends to net income (ytd only)* | 71.4290% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8682% | 1,531 |
| Loan loss allowance to noncurrent loans | 284.6906% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 4,505 |
| Noncurrent loans to loans | 0.6562% | 3,973 |
| Net loans and leases to total assets | 61.4713% | 3,565 |
| Net loans and leases to deposits | 75.0204% | 3,311 |
| Net loans and leases to core deposits | 76.9171% | 3,646 |
| Total domestic deposits to total assets | 81.9394% | 4,499 |
| Equity capital to assets | 11.0709% | 2,880 |
| Core capital (leverage) ratio | 10.8540% | 2,629 |
| Tier 1 risk-based capital ratio | 16.8355% | 2,675 |
| Total risk-based capital ratio | 18.0928% | 2,618 |
| Memoranda: | ||
| Average total assets | $73,048,750 | 5,266 |
| Average earning assets | $69,257,500 | 5,198 |
| Average equity | $8,071,000 | 5,227 |
| Average total loans | $45,726,000 | 5,011 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1373% | 3,196 |
| Cost of funding earning assets | 0.4730% | 3,087 |
| Net interest margin | 3.6643% | 3,095 |
| Noninterest income to average assets | 0.5379% | 3,218 |
| Noninterest expense to average assets | 2.6067% | 4,219 |
| Loan and lease loss provision to assets | 0.1462% | 1,688 |
| Net operating income to assets | 0.8606% | 3,010 |
| Return on assets (ROA) | 0.8606% | 3,110 |
| Pretax return on assets | 1.2468% | 2,474 |
| Return on Equity (ROE) | 7.7948% | 3,207 |
| Retained earnings to average equity (ytd only) | 1.2991% | 5,222 |
| Net charge-offs to loans | 0.4143% | 982 |
| Credit loss provision to net charge-offs | 56.3830% | 2,692 |
| Earnings coverage of net charge-offs (x) | 5.3723% | 2,938 |
| Efficiency ratio | 65.1724% | 4,489 |
| Assets per employee ($millions) | 3.2086% | 5,412 |
| Cash dividends to net income (ytd only)* | 83.3333% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8495% | 1,706 |
| Loan loss allowance to noncurrent loans | 394.4444% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.4268% | 4,729 |
| Noncurrent loans to loans | 0.4689% | 4,593 |
| Net loans and leases to total assets | 61.2686% | 3,529 |
| Net loans and leases to deposits | 69.4686% | 3,886 |
| Net loans and leases to core deposits | 71.1162% | 4,139 |
| Total domestic deposits to total assets | 88.1962% | 1,794 |
| Equity capital to assets | 11.1114% | 2,774 |
| Core capital (leverage) ratio | 10.9317% | 2,492 |
| Tier 1 risk-based capital ratio | 17.0091% | 2,616 |
| Total risk-based capital ratio | 18.2655% | 2,569 |
| Memoranda: | ||
| Average total assets | $72,504,330 | 5,323 |
| Average earning assets | $68,498,670 | 5,259 |
| Average equity | $8,005,330 | 5,272 |
| Average total loans | $45,374,000 | 5,058 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1599% | 3,032 |
| Cost of funding earning assets | 0.4956% | 2,952 |
| Net interest margin | 3.6643% | 3,005 |
| Noninterest income to average assets | 0.4620% | 3,694 |
| Noninterest expense to average assets | 2.6887% | 3,970 |
| Loan and lease loss provision to assets | 0.1670% | 1,451 |
| Net operating income to assets | 0.7348% | 3,517 |
| Return on assets (ROA) | 0.7348% | 3,597 |
| Pretax return on assets | 1.0632% | 3,071 |
| Return on Equity (ROE) | 6.6768% | 3,648 |
| Retained earnings to average equity (ytd only) | -2.3773% | 5,896 |
| Net charge-offs to loans | 0.4264% | 855 |
| Credit loss provision to net charge-offs | 62.5000% | 2,080 |
| Earnings coverage of net charge-offs (x) | 4.6042% | 2,503 |
| Efficiency ratio | 68.6080% | 4,078 |
| Assets per employee ($millions) | 3.0213% | 5,828 |
| Cash dividends to net income (ytd only)* | 135.6061% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9642% | 1,589 |
| Loan loss allowance to noncurrent loans | 333.9695% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.5089% | 4,624 |
| Noncurrent loans to loans | 0.5881% | 4,397 |
| Net loans and leases to total assets | 60.2295% | 3,527 |
| Net loans and leases to deposits | 68.0328% | 3,851 |
| Net loans and leases to core deposits | 69.6672% | 4,132 |
| Total domestic deposits to total assets | 88.5300% | 1,919 |
| Equity capital to assets | 10.9445% | 2,771 |
| Core capital (leverage) ratio | 10.9129% | 2,474 |
| Tier 1 risk-based capital ratio | 17.1897% | 2,604 |
| Total risk-based capital ratio | 18.4471% | 2,558 |
| Memoranda: | ||
| Average total assets | $71,857,500 | 5,390 |
| Average earning assets | $67,790,000 | 5,324 |
| Average equity | $7,908,000 | 5,328 |
| Average total loans | $45,027,500 | 5,122 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 2,516 |
| Cost of funding earning assets | 0.5490% | 3,119 |
| Net interest margin | 3.8702% | 2,397 |
| Noninterest income to average assets | 0.5812% | 3,202 |
| Noninterest expense to average assets | 2.7293% | 3,991 |
| Loan and lease loss provision to assets | 0.2941% | 1,152 |
| Net operating income to assets | 0.8411% | 3,084 |
| Return on assets (ROA) | 0.9362% | 2,697 |
| Pretax return on assets | 1.3420% | 2,003 |
| Return on Equity (ROE) | 8.1870% | 2,934 |
| Retained earnings to average equity (ytd only) | 1.6819% | 5,030 |
| Net charge-offs to loans | 0.2965% | 2,209 |
| Credit loss provision to net charge-offs | 161.2403% | 1,422 |
| Earnings coverage of net charge-offs (x) | 8.2248% | 2,703 |
| Efficiency ratio | 64.5269% | 4,812 |
| Assets per employee ($millions) | 3.0958% | 5,677 |
| Cash dividends to net income (ytd only)* | 79.4562% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9623% | 1,642 |
| Loan loss allowance to noncurrent loans | 285.3035% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.5660% | 4,541 |
| Noncurrent loans to loans | 0.6878% | 4,253 |
| Net loans and leases to total assets | 62.6566% | 3,259 |
| Net loans and leases to deposits | 71.1581% | 3,635 |
| Net loans and leases to core deposits | 72.9070% | 3,963 |
| Total domestic deposits to total assets | 88.0526% | 2,146 |
| Equity capital to assets | 11.0668% | 2,553 |
| Core capital (leverage) ratio | 10.9182% | 2,460 |
| Tier 1 risk-based capital ratio | 17.0610% | 2,580 |
| Total risk-based capital ratio | 18.3189% | 2,550 |
| Memoranda: | ||
| Average total assets | $70,713,200 | 5,449 |
| Average earning assets | $66,663,000 | 5,384 |
| Average equity | $8,086,000 | 5,311 |
| Average total loans | $43,502,000 | 5,217 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4042% | 2,584 |
| Cost of funding earning assets | 0.5443% | 3,328 |
| Net interest margin | 3.8599% | 2,422 |
| Noninterest income to average assets | 0.5515% | 3,445 |
| Noninterest expense to average assets | 2.7010% | 4,016 |
| Loan and lease loss provision to assets | 0.1851% | 1,968 |
| Net operating income to assets | 0.8976% | 2,846 |
| Return on assets (ROA) | 0.9028% | 2,934 |
| Pretax return on assets | 1.3165% | 2,274 |
| Return on Equity (ROE) | 7.8319% | 3,210 |
| Retained earnings to average equity (ytd only) | 1.8514% | 5,210 |
| Net charge-offs to loans | 0.2015% | 2,623 |
| Credit loss provision to net charge-offs | 150.7692% | 1,561 |
| Earnings coverage of net charge-offs (x) | 12.1699% | 2,165 |
| Efficiency ratio | 64.3854% | 4,737 |
| Assets per employee ($millions) | 3.1148% | 5,649 |
| Cash dividends to net income (ytd only)* | 76.3588% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9121% | 1,966 |
| Loan loss allowance to noncurrent loans | 238.5915% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.6896% | 4,385 |
| Noncurrent loans to loans | 0.8014% | 4,239 |
| Net loans and leases to total assets | 60.6519% | 3,587 |
| Net loans and leases to deposits | 70.0630% | 3,781 |
| Net loans and leases to core deposits | 71.8020% | 4,119 |
| Total domestic deposits to total assets | 86.5676% | 2,925 |
| Equity capital to assets | 11.1991% | 2,566 |
| Core capital (leverage) ratio | 11.1089% | 2,374 |
| Tier 1 risk-based capital ratio | 17.4834% | 2,515 |
| Total risk-based capital ratio | 18.7404% | 2,479 |
| Memoranda: | ||
| Average total assets | $70,590,500 | 5,512 |
| Average earning assets | $66,631,750 | 5,439 |
| Average equity | $8,137,500 | 5,354 |
| Average total loans | $43,000,750 | 5,277 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4144% | 2,511 |
| Cost of funding earning assets | 0.5484% | 3,433 |
| Net interest margin | 3.8660% | 2,321 |
| Noninterest income to average assets | 0.5638% | 3,417 |
| Noninterest expense to average assets | 2.7135% | 3,981 |
| Loan and lease loss provision to assets | 0.1708% | 2,201 |
| Net operating income to assets | 0.9120% | 2,734 |
| Return on assets (ROA) | 0.9197% | 2,838 |
| Pretax return on assets | 1.3440% | 2,147 |
| Return on Equity (ROE) | 7.9015% | 3,144 |
| Retained earnings to average equity (ytd only) | 1.0519% | 5,479 |
| Net charge-offs to loans | 0.1363% | 3,014 |
| Credit loss provision to net charge-offs | 206.8966% | 1,161 |
| Earnings coverage of net charge-offs (x) | 18.2069% | 1,568 |
| Efficiency ratio | 64.3484% | 4,821 |
| Assets per employee ($millions) | 3.1851% | 5,522 |
| Cash dividends to net income (ytd only)* | 86.6873% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9762% | 1,905 |
| Loan loss allowance to noncurrent loans | 246.3557% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.5937% | 4,764 |
| Noncurrent loans to loans | 0.8022% | 4,309 |
| Net loans and leases to total assets | 59.8148% | 3,687 |
| Net loans and leases to deposits | 67.7332% | 4,053 |
| Net loans and leases to core deposits | 69.4170% | 4,334 |
| Total domestic deposits to total assets | 88.3093% | 2,036 |
| Equity capital to assets | 11.2440% | 2,527 |
| Core capital (leverage) ratio | 11.0748% | 2,286 |
| Tier 1 risk-based capital ratio | 18.0526% | 2,301 |
| Total risk-based capital ratio | 19.3110% | 2,258 |
| Memoranda: | ||
| Average total assets | $70,240,670 | 5,563 |
| Average earning assets | $66,373,330 | 5,484 |
| Average equity | $8,175,670 | 5,386 |
| Average total loans | $42,568,330 | 5,313 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4384% | 2,388 |
| Cost of funding earning assets | 0.5721% | 3,360 |
| Net interest margin | 3.8662% | 2,227 |
| Noninterest income to average assets | 0.5347% | 3,536 |
| Noninterest expense to average assets | 2.7757% | 3,781 |
| Loan and lease loss provision to assets | 0.1706% | 2,154 |
| Net operating income to assets | 0.8434% | 2,932 |
| Return on assets (ROA) | 0.8589% | 2,995 |
| Pretax return on assets | 1.2627% | 2,361 |
| Return on Equity (ROE) | 7.2561% | 3,348 |
| Retained earnings to average equity (ytd only) | 1.2013% | 5,374 |
| Net charge-offs to loans | 0.1318% | 2,613 |
| Credit loss provision to net charge-offs | 214.2857% | 1,031 |
| Earnings coverage of net charge-offs (x) | 17.7143% | 1,298 |
| Efficiency ratio | 66.3043% | 4,616 |
| Assets per employee ($millions) | 3.2211% | 5,588 |
| Cash dividends to net income (ytd only)* | 83.4437% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9683% | 2,128 |
| Loan loss allowance to noncurrent loans | 535.4839% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 5,523 |
| Noncurrent loans to loans | 0.3676% | 5,483 |
| Net loans and leases to total assets | 58.3357% | 3,735 |
| Net loans and leases to deposits | 66.6694% | 3,960 |
| Net loans and leases to core deposits | 68.3188% | 4,262 |
| Total domestic deposits to total assets | 87.5000% | 2,631 |
| Equity capital to assets | 11.6999% | 2,254 |
| Core capital (leverage) ratio | 11.1502% | 2,137 |
| Tier 1 risk-based capital ratio | 18.2482% | 2,274 |
| Total risk-based capital ratio | 19.5069% | 2,235 |
| Memoranda: | ||
| Average total assets | $70,324,500 | 5,616 |
| Average earning assets | $66,421,000 | 5,532 |
| Average equity | $8,324,000 | 5,407 |
| Average total loans | $42,473,000 | 5,356 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7514% | 2,392 |
| Cost of funding earning assets | 0.6941% | 3,540 |
| Net interest margin | 4.0572% | 2,154 |
| Noninterest income to average assets | 0.5826% | 3,380 |
| Noninterest expense to average assets | 2.6764% | 4,489 |
| Loan and lease loss provision to assets | 0.2511% | 2,647 |
| Net operating income to assets | 1.0304% | 2,210 |
| Return on assets (ROA) | 1.0304% | 2,414 |
| Pretax return on assets | 1.4968% | 1,684 |
| Return on Equity (ROE) | 8.7322% | 2,775 |
| Retained earnings to average equity (ytd only) | 2.3716% | 4,566 |
| Net charge-offs to loans | 0.2425% | 3,491 |
| Credit loss provision to net charge-offs | 176.7677% | 1,485 |
| Earnings coverage of net charge-offs (x) | 12.3030% | 1,943 |
| Efficiency ratio | 60.4930% | 5,470 |
| Assets per employee ($millions) | 3.1720% | 5,691 |
| Cash dividends to net income (ytd only)* | 72.8412% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9029% | 2,288 |
| Loan loss allowance to noncurrent loans | 525.1613% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.3740% | 5,576 |
| Noncurrent loans to loans | 0.3623% | 5,584 |
| Net loans and leases to total assets | 60.1318% | 3,581 |
| Net loans and leases to deposits | 70.3416% | 3,662 |
| Net loans and leases to core deposits | 72.1522% | 4,025 |
| Total domestic deposits to total assets | 85.4854% | 3,617 |
| Equity capital to assets | 11.9754% | 2,060 |
| Core capital (leverage) ratio | 11.0926% | 2,173 |
| Tier 1 risk-based capital ratio | 18.2183% | 2,188 |
| Total risk-based capital ratio | 19.4764% | 2,143 |
| Memoranda: | ||
| Average total assets | $69,682,400 | 5,634 |
| Average earning assets | $65,980,800 | 5,554 |
| Average equity | $8,222,400 | 5,438 |
| Average total loans | $40,820,200 | 5,466 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7582% | 2,547 |
| Cost of funding earning assets | 0.7077% | 3,695 |
| Net interest margin | 4.0505% | 2,292 |
| Noninterest income to average assets | 0.5666% | 3,496 |
| Noninterest expense to average assets | 2.6836% | 4,436 |
| Loan and lease loss provision to assets | 0.2775% | 2,351 |
| Net operating income to assets | 1.0011% | 2,490 |
| Return on assets (ROA) | 1.0011% | 2,724 |
| Pretax return on assets | 1.4509% | 2,074 |
| Return on Equity (ROE) | 8.5156% | 3,038 |
| Retained earnings to average equity (ytd only) | 2.9307% | 4,802 |
| Net charge-offs to loans | 0.3108% | 2,887 |
| Credit loss provision to net charge-offs | 154.2553% | 1,826 |
| Earnings coverage of net charge-offs (x) | 9.6064% | 2,301 |
| Efficiency ratio | 60.8243% | 5,347 |
| Assets per employee ($millions) | 3.1966% | 5,638 |
| Cash dividends to net income (ytd only)* | 65.5825% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8438% | 2,663 |
| Loan loss allowance to noncurrent loans | 295.5056% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.5446% | 5,313 |
| Noncurrent loans to loans | 0.6239% | 5,192 |
| Net loans and leases to total assets | 59.7276% | 3,830 |
| Net loans and leases to deposits | 69.2667% | 3,991 |
| Net loans and leases to core deposits | 71.0151% | 4,374 |
| Total domestic deposits to total assets | 86.2284% | 3,133 |
| Equity capital to assets | 11.9472% | 2,304 |
| Core capital (leverage) ratio | 10.9747% | 2,413 |
| Tier 1 risk-based capital ratio | 18.3488% | 2,216 |
| Total risk-based capital ratio | 19.6065% | 2,185 |
| Memoranda: | ||
| Average total assets | $69,656,750 | 5,704 |
| Average earning assets | $66,129,500 | 5,610 |
| Average equity | $8,188,750 | 5,498 |
| Average total loans | $40,331,000 | 5,559 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7269% | 2,813 |
| Cost of funding earning assets | 0.7111% | 3,931 |
| Net interest margin | 4.0157% | 2,435 |
| Noninterest income to average assets | 0.5761% | 3,406 |
| Noninterest expense to average assets | 2.7047% | 4,399 |
| Loan and lease loss provision to assets | 0.3745% | 1,746 |
| Net operating income to assets | 0.9102% | 2,859 |
| Return on assets (ROA) | 0.9102% | 3,124 |
| Pretax return on assets | 1.3192% | 2,484 |
| Return on Equity (ROE) | 7.7855% | 3,352 |
| Retained earnings to average equity (ytd only) | 1.3058% | 5,540 |
| Net charge-offs to loans | 0.4201% | 2,351 |
| Credit loss provision to net charge-offs | 156.6265% | 1,771 |
| Earnings coverage of net charge-offs (x) | 7.0843% | 2,528 |
| Efficiency ratio | 61.4931% | 5,333 |
| Assets per employee ($millions) | 3.0524% | 5,953 |
| Cash dividends to net income (ytd only)* | 83.2278% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9212% | 2,476 |
| Loan loss allowance to noncurrent loans | 396.4646% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.3817% | 5,828 |
| Noncurrent loans to loans | 0.4846% | 5,557 |
| Net loans and leases to total assets | 57.0814% | 4,314 |
| Net loans and leases to deposits | 65.0932% | 4,630 |
| Net loans and leases to core deposits | 66.7099% | 4,923 |
| Total domestic deposits to total assets | 87.6918% | 2,342 |
| Equity capital to assets | 11.6530% | 2,451 |
| Core capital (leverage) ratio | 10.8077% | 2,473 |
| Tier 1 risk-based capital ratio | 18.8322% | 2,015 |
| Total risk-based capital ratio | 20.0900% | 1,995 |
| Memoranda: | ||
| Average total assets | $69,433,670 | 5,746 |
| Average earning assets | $66,090,330 | 5,645 |
| Average equity | $8,117,670 | 5,533 |
| Average total loans | $39,510,330 | 5,628 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7613% | 2,802 |
| Cost of funding earning assets | 0.7325% | 4,006 |
| Net interest margin | 4.0288% | 2,377 |
| Noninterest income to average assets | 0.5388% | 3,635 |
| Noninterest expense to average assets | 2.8038% | 4,015 |
| Loan and lease loss provision to assets | 0.4345% | 1,441 |
| Net operating income to assets | 0.7763% | 3,501 |
| Return on assets (ROA) | 0.7763% | 3,739 |
| Pretax return on assets | 1.1239% | 3,224 |
| Return on Equity (ROE) | 6.6287% | 3,971 |
| Retained earnings to average equity (ytd only) | 1.1872% | 5,616 |
| Net charge-offs to loans | 0.2060% | 2,893 |
| Credit loss provision to net charge-offs | 375.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 13.4500% | 1,535 |
| Efficiency ratio | 64.2762% | 4,876 |
| Assets per employee ($millions) | 3.0537% | 6,055 |
| Cash dividends to net income (ytd only)* | 82.0896% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0557% | 2,201 |
| Loan loss allowance to noncurrent loans | 254.9839% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.5595% | 5,484 |
| Noncurrent loans to loans | 0.8062% | 5,063 |
| Net loans and leases to total assets | 53.7944% | 4,758 |
| Net loans and leases to deposits | 61.3589% | 5,003 |
| Net loans and leases to core deposits | 62.8794% | 5,232 |
| Total domestic deposits to total assets | 87.6716% | 2,541 |
| Equity capital to assets | 11.5852% | 2,363 |
| Core capital (leverage) ratio | 11.1144% | 2,177 |
| Tier 1 risk-based capital ratio | 19.2522% | 1,919 |
| Total risk-based capital ratio | 20.5122% | 1,882 |
| Memoranda: | ||
| Average total assets | $69,048,000 | 5,798 |
| Average earning assets | $65,529,000 | 5,701 |
| Average equity | $8,086,000 | 5,563 |
| Average total loans | $38,836,000 | 5,692 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1750% | 2,167 |
| Cost of funding earning assets | 0.9487% | 3,732 |
| Net interest margin | 4.2262% | 1,972 |
| Noninterest income to average assets | 0.5900% | 3,221 |
| Noninterest expense to average assets | 2.6100% | 5,055 |
| Loan and lease loss provision to assets | 0.3602% | 2,843 |
| Net operating income to assets | 1.1131% | 1,782 |
| Return on assets (ROA) | 1.1448% | 1,795 |
| Pretax return on assets | 1.6598% | 1,080 |
| Return on Equity (ROE) | 9.5678% | 2,220 |
| Retained earnings to average equity (ytd only) | 2.3952% | 4,515 |
| Net charge-offs to loans | 0.4349% | 3,261 |
| Credit loss provision to net charge-offs | 141.5663% | 2,063 |
| Earnings coverage of net charge-offs (x) | 7.7590% | 2,271 |
| Efficiency ratio | 56.9375% | 6,193 |
| Assets per employee ($millions) | 2.9504% | 6,195 |
| Cash dividends to net income (ytd only)* | 74.9665% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8877% | 2,605 |
| Loan loss allowance to noncurrent loans | 266.4260% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.5467% | 5,604 |
| Noncurrent loans to loans | 0.7085% | 5,279 |
| Net loans and leases to total assets | 56.5252% | 4,619 |
| Net loans and leases to deposits | 65.6613% | 4,783 |
| Net loans and leases to core deposits | 67.3751% | 5,112 |
| Total domestic deposits to total assets | 86.0861% | 3,269 |
| Equity capital to assets | 11.8406% | 2,249 |
| Core capital (leverage) ratio | 11.2939% | 2,044 |
| Tier 1 risk-based capital ratio | 18.4586% | 2,059 |
| Total risk-based capital ratio | 19.7149% | 2,022 |
| Memoranda: | ||
| Average total assets | $65,250,000 | 5,888 |
| Average earning assets | $61,662,400 | 5,813 |
| Average equity | $7,807,400 | 5,628 |
| Average total loans | $38,168,800 | 5,775 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2005% | 2,210 |
| Cost of funding earning assets | 0.9826% | 3,798 |
| Net interest margin | 4.2179% | 2,029 |
| Noninterest income to average assets | 0.5779% | 3,317 |
| Noninterest expense to average assets | 2.5986% | 5,082 |
| Loan and lease loss provision to assets | 0.3302% | 2,899 |
| Net operating income to assets | 1.1530% | 1,802 |
| Return on assets (ROA) | 1.1992% | 1,767 |
| Pretax return on assets | 1.7111% | 1,118 |
| Return on Equity (ROE) | 9.9948% | 2,200 |
| Retained earnings to average equity (ytd only) | 3.4922% | 4,256 |
| Net charge-offs to loans | 0.0879% | 5,095 |
| Credit loss provision to net charge-offs | 640.0000% | 425 |
| Earnings coverage of net charge-offs (x) | 38.2829% | 796 |
| Efficiency ratio | 56.8141% | 6,168 |
| Assets per employee ($millions) | 3.1700% | 5,753 |
| Cash dividends to net income (ytd only)* | 65.0603% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0777% | 2,122 |
| Loan loss allowance to noncurrent loans | 182.7273% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.8232% | 5,120 |
| Noncurrent loans to loans | 1.1371% | 4,645 |
| Net loans and leases to total assets | 56.9205% | 4,695 |
| Net loans and leases to deposits | 65.9806% | 4,909 |
| Net loans and leases to core deposits | 67.7260% | 5,209 |
| Total domestic deposits to total assets | 86.2686% | 3,058 |
| Equity capital to assets | 12.1932% | 2,107 |
| Core capital (leverage) ratio | 11.4683% | 2,044 |
| Tier 1 risk-based capital ratio | 18.7573% | 2,005 |
| Total risk-based capital ratio | 20.0164% | 1,968 |
| Memoranda: | ||
| Average total assets | $64,597,500 | 5,953 |
| Average earning assets | $61,198,250 | 5,862 |
| Average equity | $7,750,500 | 5,677 |
| Average total loans | $37,937,000 | 5,838 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1988% | 2,259 |
| Cost of funding earning assets | 1.0014% | 3,938 |
| Net interest margin | 4.1974% | 2,044 |
| Noninterest income to average assets | 0.5912% | 3,192 |
| Noninterest expense to average assets | 2.6494% | 5,010 |
| Loan and lease loss provision to assets | 0.2972% | 3,023 |
| Net operating income to assets | 1.1354% | 1,771 |
| Return on assets (ROA) | 1.1354% | 1,843 |
| Pretax return on assets | 1.6171% | 1,229 |
| Return on Equity (ROE) | 9.5172% | 2,300 |
| Retained earnings to average equity (ytd only) | 1.9401% | 5,008 |
| Net charge-offs to loans | 0.1486% | 4,299 |
| Credit loss provision to net charge-offs | 339.2857% | 901 |
| Earnings coverage of net charge-offs (x) | 21.8571% | 1,138 |
| Efficiency ratio | 58.0535% | 6,152 |
| Assets per employee ($millions) | 3.1479% | 5,762 |
| Cash dividends to net income (ytd only)* | 79.6143% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9731% | 2,442 |
| Loan loss allowance to noncurrent loans | 243.7086% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.5446% | 5,831 |
| Noncurrent loans to loans | 0.8096% | 5,304 |
| Net loans and leases to total assets | 55.3135% | 5,103 |
| Net loans and leases to deposits | 63.3127% | 5,360 |
| Net loans and leases to core deposits | 64.9744% | 5,612 |
| Total domestic deposits to total assets | 87.3656% | 2,536 |
| Equity capital to assets | 11.8478% | 2,211 |
| Core capital (leverage) ratio | 11.4682% | 1,935 |
| Tier 1 risk-based capital ratio | 18.9416% | 1,869 |
| Total risk-based capital ratio | 20.1994% | 1,825 |
| Memoranda: | ||
| Average total assets | $63,940,000 | 6,014 |
| Average earning assets | $60,514,000 | 5,939 |
| Average equity | $7,628,330 | 5,727 |
| Average total loans | $37,684,000 | 5,904 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2841% | 1,920 |
| Cost of funding earning assets | 1.0366% | 3,943 |
| Net interest margin | 4.2475% | 1,755 |
| Noninterest income to average assets | 0.5982% | 3,177 |
| Noninterest expense to average assets | 2.6663% | 4,975 |
| Loan and lease loss provision to assets | 0.2864% | 2,857 |
| Net operating income to assets | 1.1709% | 1,595 |
| Return on assets (ROA) | 1.1709% | 1,649 |
| Pretax return on assets | 1.6609% | 1,056 |
| Return on Equity (ROE) | 9.7788% | 2,176 |
| Retained earnings to average equity (ytd only) | 3.1356% | 4,287 |
| Net charge-offs to loans | 0.1690% | 3,465 |
| Credit loss provision to net charge-offs | 281.2500% | 1,129 |
| Earnings coverage of net charge-offs (x) | 19.1250% | 1,155 |
| Efficiency ratio | 57.7931% | 6,291 |
| Assets per employee ($millions) | 3.0245% | 6,107 |
| Cash dividends to net income (ytd only)* | 67.9348% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8993% | 2,692 |
| Loan loss allowance to noncurrent loans | 387.7778% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.3747% | 6,269 |
| Noncurrent loans to loans | 0.4898% | 6,037 |
| Net loans and leases to total assets | 56.7630% | 4,857 |
| Net loans and leases to deposits | 64.8470% | 5,151 |
| Net loans and leases to core deposits | 66.6069% | 5,452 |
| Total domestic deposits to total assets | 87.5337% | 2,646 |
| Equity capital to assets | 11.9594% | 1,944 |
| Core capital (leverage) ratio | 11.9193% | 1,606 |
| Tier 1 risk-based capital ratio | 19.4487% | 1,708 |
| Total risk-based capital ratio | 20.7060% | 1,675 |
| Memoranda: | ||
| Average total assets | $62,857,500 | 6,101 |
| Average earning assets | $59,423,000 | 6,016 |
| Average equity | $7,526,500 | 5,764 |
| Average total loans | $37,875,500 | 5,949 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5674% | 2,018 |
| Cost of funding earning assets | 1.2595% | 4,151 |
| Net interest margin | 4.3079% | 1,792 |
| Noninterest income to average assets | 0.5615% | 3,733 |
| Noninterest expense to average assets | 2.7914% | 4,636 |
| Loan and lease loss provision to assets | 0.3550% | 3,998 |
| Net operating income to assets | 1.0649% | 1,825 |
| Return on assets (ROA) | 1.0649% | 1,912 |
| Pretax return on assets | 1.4990% | 1,376 |
| Return on Equity (ROE) | 8.6628% | 2,439 |
| Retained earnings to average equity (ytd only) | 2.3626% | 4,229 |
| Net charge-offs to loans | 0.4243% | 3,924 |
| Credit loss provision to net charge-offs | 137.5000% | 2,771 |
| Earnings coverage of net charge-offs (x) | 7.1813% | 2,186 |
| Efficiency ratio | 60.0903% | 6,029 |
| Assets per employee ($millions) | 2.9619% | 6,185 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7154% | 3,155 |
| Loan loss allowance to noncurrent loans | 350.2618% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.4003% | 6,267 |
| Noncurrent loans to loans | 0.4897% | 6,057 |
| Net loans and leases to total assets | 61.6254% | 4,366 |
| Net loans and leases to deposits | 73.9224% | 4,203 |
| Net loans and leases to core deposits | 76.0732% | 4,701 |
| Total domestic deposits to total assets | 83.3650% | 4,654 |
| Equity capital to assets | 11.9887% | 1,921 |
| Core capital (leverage) ratio | 11.9398% | 1,593 |
| Tier 1 risk-based capital ratio | 18.4975% | 1,844 |
| Total risk-based capital ratio | 19.7534% | 1,807 |
| Memoranda: | ||
| Average total assets | $61,975,200 | 6,127 |
| Average earning assets | $58,752,600 | 6,039 |
| Average equity | $7,618,800 | 5,833 |
| Average total loans | $37,707,200 | 6,028 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5602% | 2,211 |
| Cost of funding earning assets | 1.2812% | 4,361 |
| Net interest margin | 4.2790% | 1,916 |
| Noninterest income to average assets | 0.5469% | 3,813 |
| Noninterest expense to average assets | 2.8208% | 4,400 |
| Loan and lease loss provision to assets | 0.2907% | 4,252 |
| Net operating income to assets | 1.0487% | 2,072 |
| Return on assets (ROA) | 1.0487% | 2,179 |
| Pretax return on assets | 1.4987% | 1,623 |
| Return on Equity (ROE) | 8.4776% | 2,696 |
| Retained earnings to average equity (ytd only) | 3.0637% | 4,292 |
| Net charge-offs to loans | 0.1748% | 4,919 |
| Credit loss provision to net charge-offs | 275.5102% | 1,191 |
| Earnings coverage of net charge-offs (x) | 16.9596% | 1,354 |
| Efficiency ratio | 61.1864% | 5,760 |
| Assets per employee ($millions) | 2.9363% | 6,297 |
| Cash dividends to net income (ytd only)* | 63.8607% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8212% | 2,720 |
| Loan loss allowance to noncurrent loans | 275.7937% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.5271% | 6,109 |
| Noncurrent loans to loans | 0.6604% | 5,883 |
| Net loans and leases to total assets | 60.7603% | 4,768 |
| Net loans and leases to deposits | 72.0002% | 4,843 |
| Net loans and leases to core deposits | 74.4999% | 5,231 |
| Total domestic deposits to total assets | 84.3891% | 3,922 |
| Equity capital to assets | 12.7096% | 1,750 |
| Core capital (leverage) ratio | 11.9554% | 1,694 |
| Tier 1 risk-based capital ratio | 19.2315% | 1,699 |
| Total risk-based capital ratio | 20.4887% | 1,670 |
| Memoranda: | ||
| Average total assets | $61,919,000 | 6,196 |
| Average earning assets | $58,797,500 | 6,099 |
| Average equity | $7,659,250 | 5,894 |
| Average total loans | $37,384,000 | 6,124 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5129% | 2,465 |
| Cost of funding earning assets | 1.2975% | 4,553 |
| Net interest margin | 4.2153% | 2,109 |
| Noninterest income to average assets | 0.5548% | 3,665 |
| Noninterest expense to average assets | 2.8869% | 4,126 |
| Loan and lease loss provision to assets | 0.2903% | 4,062 |
| Net operating income to assets | 0.9644% | 2,314 |
| Return on assets (ROA) | 0.9644% | 2,401 |
| Pretax return on assets | 1.3805% | 1,887 |
| Return on Equity (ROE) | 7.8684% | 2,933 |
| Retained earnings to average equity (ytd only) | 2.0526% | 4,835 |
| Net charge-offs to loans | 0.1939% | 4,448 |
| Credit loss provision to net charge-offs | 250.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 14.3889% | 1,527 |
| Efficiency ratio | 63.3404% | 5,459 |
| Assets per employee ($millions) | 2.9650% | 6,216 |
| Cash dividends to net income (ytd only)* | 73.9130% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7578% | 2,861 |
| Loan loss allowance to noncurrent loans | 223.9865% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.5460% | 6,105 |
| Noncurrent loans to loans | 0.7848% | 5,706 |
| Net loans and leases to total assets | 59.5108% | 5,153 |
| Net loans and leases to deposits | 72.2912% | 4,950 |
| Net loans and leases to core deposits | 74.4510% | 5,395 |
| Total domestic deposits to total assets | 82.3210% | 4,860 |
| Equity capital to assets | 12.3663% | 1,891 |
| Core capital (leverage) ratio | 11.6665% | 1,828 |
| Tier 1 risk-based capital ratio | 19.1440% | 1,685 |
| Total risk-based capital ratio | 20.4010% | 1,649 |
| Memoranda: | ||
| Average total assets | $62,004,670 | 6,237 |
| Average earning assets | $58,880,330 | 6,146 |
| Average equity | $7,600,000 | 5,924 |
| Average total loans | $37,125,000 | 6,189 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5068% | 2,550 |
| Cost of funding earning assets | 1.3118% | 4,739 |
| Net interest margin | 4.1950% | 2,056 |
| Noninterest income to average assets | 0.5236% | 3,860 |
| Noninterest expense to average assets | 2.9738% | 3,768 |
| Loan and lease loss provision to assets | 0.2909% | 3,690 |
| Net operating income to assets | 0.8598% | 2,709 |
| Return on assets (ROA) | 0.8598% | 2,799 |
| Pretax return on assets | 1.2283% | 2,272 |
| Return on Equity (ROE) | 7.0464% | 3,318 |
| Retained earnings to average equity (ytd only) | 2.8079% | 4,449 |
| Net charge-offs to loans | -0.0434% | 7,306 |
| Credit loss provision to net charge-offs | -1,125.0000% | 6,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1871% | 5,079 |
| Assets per employee ($millions) | 2.9190% | 6,400 |
| Cash dividends to net income (ytd only)* | 60.1504% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8043% | 2,718 |
| Loan loss allowance to noncurrent loans | 251.1450% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.5318% | 6,172 |
| Noncurrent loans to loans | 0.7184% | 5,891 |
| Net loans and leases to total assets | 58.4186% | 5,362 |
| Net loans and leases to deposits | 67.9661% | 5,594 |
| Net loans and leases to core deposits | 69.9906% | 5,917 |
| Total domestic deposits to total assets | 85.9525% | 3,175 |
| Equity capital to assets | 12.3624% | 1,833 |
| Core capital (leverage) ratio | 11.8259% | 1,733 |
| Tier 1 risk-based capital ratio | 19.4378% | 1,628 |
| Total risk-based capital ratio | 20.6932% | 1,607 |
| Memoranda: | ||
| Average total assets | $61,874,000 | 6,316 |
| Average earning assets | $58,545,500 | 6,225 |
| Average equity | $7,550,000 | 5,995 |
| Average total loans | $36,828,500 | 6,271 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6839% | 3,191 |
| Cost of funding earning assets | 1.5648% | 5,205 |
| Net interest margin | 4.1191% | 2,367 |
| Noninterest income to average assets | 0.6234% | 3,467 |
| Noninterest expense to average assets | 2.7442% | 5,182 |
| Loan and lease loss provision to assets | 0.4443% | 4,162 |
| Net operating income to assets | 0.9408% | 2,047 |
| Return on assets (ROA) | 0.9408% | 2,102 |
| Pretax return on assets | 1.3379% | 1,591 |
| Return on Equity (ROE) | 7.7106% | 2,489 |
| Retained earnings to average equity (ytd only) | 1.0405% | 4,310 |
| Net charge-offs to loans | 0.3607% | 4,426 |
| Credit loss provision to net charge-offs | 211.6279% | 1,813 |
| Earnings coverage of net charge-offs (x) | 8.4884% | 1,938 |
| Efficiency ratio | 60.6257% | 6,383 |
| Assets per employee ($millions) | 2.9738% | 6,287 |
| Cash dividends to net income (ytd only)* | 86.5052% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6376% | 3,135 |
| Loan loss allowance to noncurrent loans | 194.5687% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.5460% | 6,079 |
| Noncurrent loans to loans | 0.8416% | 5,610 |
| Net loans and leases to total assets | 58.5758% | 5,560 |
| Net loans and leases to deposits | 71.2699% | 5,432 |
| Net loans and leases to core deposits | 82.6910% | 5,851 |
| Total domestic deposits to total assets | 82.1887% | 4,869 |
| Equity capital to assets | 12.0450% | 2,008 |
| Core capital (leverage) ratio | 11.5718% | 1,880 |
| Tier 1 risk-based capital ratio | 19.0339% | 1,650 |
| Total risk-based capital ratio | 20.2876% | 1,611 |
| Memoranda: | ||
| Average total assets | $61,438,400 | 6,299 |
| Average earning assets | $58,217,000 | 6,212 |
| Average equity | $7,496,200 | 6,091 |
| Average total loans | $35,761,400 | 6,318 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6370% | 3,661 |
| Cost of funding earning assets | 1.6106% | 5,354 |
| Net interest margin | 4.0264% | 2,697 |
| Noninterest income to average assets | 0.5993% | 3,718 |
| Noninterest expense to average assets | 2.6999% | 5,331 |
| Loan and lease loss provision to assets | 0.2244% | 5,176 |
| Net operating income to assets | 1.0503% | 1,899 |
| Return on assets (ROA) | 1.0503% | 1,964 |
| Pretax return on assets | 1.4992% | 1,422 |
| Return on Equity (ROE) | 8.5804% | 2,418 |
| Retained earnings to average equity (ytd only) | 3.1508% | 3,551 |
| Net charge-offs to loans | 0.3276% | 4,000 |
| Credit loss provision to net charge-offs | 118.3908% | 4,286 |
| Earnings coverage of net charge-offs (x) | 9.0917% | 2,151 |
| Efficiency ratio | 61.0345% | 6,267 |
| Assets per employee ($millions) | 3.0955% | 5,920 |
| Cash dividends to net income (ytd only)* | 63.2786% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 4,376 |
| Loan loss allowance to noncurrent loans | 216.6667% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.4733% | 6,280 |
| Noncurrent loans to loans | 0.6100% | 6,085 |
| Net loans and leases to total assets | 58.0116% | 5,890 |
| Net loans and leases to deposits | 71.3803% | 5,753 |
| Net loans and leases to core deposits | 82.9829% | 6,120 |
| Total domestic deposits to total assets | 81.2712% | 4,970 |
| Equity capital to assets | 12.6022% | 1,881 |
| Core capital (leverage) ratio | 11.8578% | 1,859 |
| Tier 1 risk-based capital ratio | 19.9177% | 1,575 |
| Total risk-based capital ratio | 21.1694% | 1,528 |
| Memoranda: | ||
| Average total assets | $61,185,750 | 6,350 |
| Average earning assets | $58,114,750 | 6,251 |
| Average equity | $7,489,750 | 6,156 |
| Average total loans | $35,404,500 | 6,381 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6166% | 3,984 |
| Cost of funding earning assets | 1.6739% | 5,396 |
| Net interest margin | 3.9427% | 2,920 |
| Noninterest income to average assets | 0.5612% | 3,958 |
| Noninterest expense to average assets | 2.7041% | 5,372 |
| Loan and lease loss provision to assets | 0.2396% | 4,668 |
| Net operating income to assets | 0.9517% | 2,273 |
| Return on assets (ROA) | 0.9517% | 2,366 |
| Pretax return on assets | 1.3586% | 1,837 |
| Return on Equity (ROE) | 7.8530% | 2,835 |
| Retained earnings to average equity (ytd only) | 1.4894% | 4,496 |
| Net charge-offs to loans | 0.4220% | 3,112 |
| Credit loss provision to net charge-offs | 98.6486% | 4,656 |
| Earnings coverage of net charge-offs (x) | 6.5811% | 2,592 |
| Efficiency ratio | 62.8528% | 6,110 |
| Assets per employee ($millions) | 3.0345% | 6,043 |
| Cash dividends to net income (ytd only)* | 81.0345% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3254% | 4,126 |
| Loan loss allowance to noncurrent loans | 168.7273% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.5157% | 6,141 |
| Noncurrent loans to loans | 0.7856% | 5,662 |
| Net loans and leases to total assets | 56.9171% | 6,096 |
| Net loans and leases to deposits | 67.8338% | 6,212 |
| Net loans and leases to core deposits | 79.0006% | 6,484 |
| Total domestic deposits to total assets | 83.9067% | 3,824 |
| Equity capital to assets | 12.2854% | 2,035 |
| Core capital (leverage) ratio | 11.8584% | 1,900 |
| Tier 1 risk-based capital ratio | 20.2154% | 1,533 |
| Total risk-based capital ratio | 21.3839% | 1,514 |
| Memoranda: | ||
| Average total assets | $60,944,330 | 6,415 |
| Average earning assets | $57,828,330 | 6,319 |
| Average equity | $7,385,670 | 6,229 |
| Average total loans | $35,074,000 | 6,453 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6481% | 4,058 |
| Cost of funding earning assets | 1.7650% | 5,290 |
| Net interest margin | 3.8831% | 3,121 |
| Noninterest income to average assets | 0.5305% | 4,054 |
| Noninterest expense to average assets | 2.5413% | 5,683 |
| Loan and lease loss provision to assets | 0.2816% | 3,707 |
| Net operating income to assets | 0.9694% | 2,443 |
| Return on assets (ROA) | 0.9694% | 2,570 |
| Pretax return on assets | 1.3820% | 2,017 |
| Return on Equity (ROE) | 8.0539% | 3,125 |
| Retained earnings to average equity (ytd only) | 2.0679% | 4,712 |
| Net charge-offs to loans | 0.2848% | 2,974 |
| Credit loss provision to net charge-offs | 172.0000% | 2,490 |
| Earnings coverage of net charge-offs (x) | 10.1600% | 1,971 |
| Efficiency ratio | 60.4361% | 6,332 |
| Assets per employee ($millions) | 2.9963% | 6,162 |
| Cash dividends to net income (ytd only)* | 74.3243% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 3,436 |
| Loan loss allowance to noncurrent loans | 190.1575% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.4823% | 6,038 |
| Noncurrent loans to loans | 0.7426% | 5,573 |
| Net loans and leases to total assets | 56.2737% | 6,200 |
| Net loans and leases to deposits | 65.9573% | 6,379 |
| Net loans and leases to core deposits | 75.8958% | 6,684 |
| Total domestic deposits to total assets | 85.3183% | 3,051 |
| Equity capital to assets | 12.3938% | 2,033 |
| Core capital (leverage) ratio | 11.7534% | 2,020 |
| Tier 1 risk-based capital ratio | 20.4462% | 1,531 |
| Total risk-based capital ratio | 21.6967% | 1,503 |
| Memoranda: | ||
| Average total assets | $61,071,500 | 6,436 |
| Average earning assets | $57,789,500 | 6,347 |
| Average equity | $7,350,500 | 6,276 |
| Average total loans | $35,107,500 | 6,489 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2273% | 4,372 |
| Cost of funding earning assets | 2.3024% | 5,139 |
| Net interest margin | 3.9249% | 3,461 |
| Noninterest income to average assets | 0.6657% | 3,369 |
| Noninterest expense to average assets | 2.6540% | 5,432 |
| Loan and lease loss provision to assets | 0.2624% | 4,301 |
| Net operating income to assets | 1.0227% | 2,463 |
| Return on assets (ROA) | 1.0585% | 2,217 |
| Pretax return on assets | 1.4825% | 1,732 |
| Return on Equity (ROE) | 8.6163% | 2,786 |
| Retained earnings to average equity (ytd only) | 1.4997% | 4,326 |
| Net charge-offs to loans | 0.4950% | 2,378 |
| Credit loss provision to net charge-offs | 88.8235% | 5,706 |
| Earnings coverage of net charge-offs (x) | 5.7353% | 3,551 |
| Efficiency ratio | 61.0312% | 6,155 |
| Assets per employee ($millions) | 3.1109% | 5,746 |
| Cash dividends to net income (ytd only)* | 82.5944% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 3,845 |
| Loan loss allowance to noncurrent loans | 237.2449% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.3873% | 6,077 |
| Noncurrent loans to loans | 0.5443% | 5,730 |
| Net loans and leases to total assets | 57.1298% | 6,318 |
| Net loans and leases to deposits | 71.8429% | 6,073 |
| Net loans and leases to core deposits | 83.1598% | 6,372 |
| Total domestic deposits to total assets | 79.5204% | 5,193 |
| Equity capital to assets | 11.6912% | 2,508 |
| Core capital (leverage) ratio | 11.9482% | 1,991 |
| Tier 1 risk-based capital ratio | 19.4178% | 1,727 |
| Total risk-based capital ratio | 20.6688% | 1,684 |
| Memoranda: | ||
| Average total assets | $57,536,400 | 6,469 |
| Average earning assets | $53,988,200 | 6,416 |
| Average equity | $7,068,000 | 6,436 |
| Average total loans | $34,345,200 | 6,470 |