Home > Security State Bank of Oklee > Performance and Condition Ratios
Security State Bank of Oklee, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1934% | 2,741 |
| Cost of funding earning assets | 1.9203% | 2,412 |
| Net interest margin | 3.2731% | 2,558 |
| Noninterest income to average assets | 1.0300% | 592 |
| Noninterest expense to average assets | 2.1362% | 3,288 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.8366% | 519 |
| Return on assets (ROA) | 1.8366% | 519 |
| Pretax return on assets | 2.0836% | 515 |
| Return on Equity (ROE) | 11.5500% | 1,726 |
| Retained earnings to average equity (ytd only) | 4.5610% | 2,410 |
| Net charge-offs to loans | -0.0269% | 4,226 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 50.5685% | 3,957 |
| Assets per employee ($millions) | 7.5718% | 1,802 |
| Cash dividends to net income (ytd only)* | 60.5230% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9330% | 419 |
| Loan loss allowance to noncurrent loans | 3,480.0000% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 3,181 |
| Noncurrent loans to loans | 0.0555% | 3,366 |
| Net loans and leases to total assets | 38.8600% | 4,040 |
| Net loans and leases to deposits | 46.1774% | 4,021 |
| Net loans and leases to core deposits | 47.1429% | 4,070 |
| Total domestic deposits to total assets | 84.1600% | 2,743 |
| Equity capital to assets | 15.4784% | 511 |
| Core capital (leverage) ratio | 15.6450% | 519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.7318% | 123 |
| Memoranda: | ||
| Average total assets | $43,721,600 | 4,274 |
| Average earning assets | $42,650,200 | 4,235 |
| Average equity | $6,950,200 | 4,056 |
| Average total loans | $18,563,000 | 4,230 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1721% | 2,723 |
| Cost of funding earning assets | 1.9198% | 2,414 |
| Net interest margin | 3.2523% | 2,559 |
| Noninterest income to average assets | 0.9600% | 643 |
| Noninterest expense to average assets | 2.0787% | 3,380 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.7184% | 668 |
| Return on assets (ROA) | 1.7184% | 669 |
| Pretax return on assets | 2.0541% | 588 |
| Return on Equity (ROE) | 10.7400% | 1,984 |
| Retained earnings to average equity (ytd only) | 10.7360% | 697 |
| Net charge-offs to loans | -0.0285% | 4,231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 50.2981% | 3,973 |
| Assets per employee ($millions) | 7.3747% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8119% | 538 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 3,382 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 42.3700% | 3,953 |
| Net loans and leases to deposits | 51.0969% | 3,913 |
| Net loans and leases to core deposits | 52.3685% | 3,994 |
| Total domestic deposits to total assets | 82.9300% | 2,870 |
| Equity capital to assets | 16.5341% | 456 |
| Core capital (leverage) ratio | 16.5080% | 450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.4578% | 123 |
| Memoranda: | ||
| Average total assets | $43,294,250 | 4,303 |
| Average earning assets | $42,225,750 | 4,266 |
| Average equity | $6,929,750 | 4,076 |
| Average total loans | $18,703,000 | 4,255 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9403% | 3,053 |
| Cost of funding earning assets | 1.9008% | 2,362 |
| Net interest margin | 3.0394% | 2,976 |
| Noninterest income to average assets | 0.8600% | 774 |
| Noninterest expense to average assets | 2.0802% | 3,378 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.3449% | 1,177 |
| Return on assets (ROA) | 1.3449% | 1,191 |
| Pretax return on assets | 1.7498% | 917 |
| Return on Equity (ROE) | 8.5000% | 2,593 |
| Retained earnings to average equity (ytd only) | 8.4988% | 1,229 |
| Net charge-offs to loans | -0.0323% | 4,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 54.3135% | 3,731 |
| Assets per employee ($millions) | 7.2948% | 1,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8256% | 535 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 3,327 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 42.2700% | 3,970 |
| Net loans and leases to deposits | 50.6129% | 3,940 |
| Net loans and leases to core deposits | 51.4705% | 4,012 |
| Total domestic deposits to total assets | 83.5100% | 2,743 |
| Equity capital to assets | 15.9428% | 479 |
| Core capital (leverage) ratio | 15.9368% | 504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.6120% | 129 |
| Memoranda: | ||
| Average total assets | $42,976,333 | 4,326 |
| Average earning assets | $41,981,333 | 4,285 |
| Average equity | $6,801,000 | 4,091 |
| Average total loans | $18,572,000 | 4,279 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7295% | 3,274 |
| Cost of funding earning assets | 1.8649% | 2,334 |
| Net interest margin | 2.8646% | 3,258 |
| Noninterest income to average assets | 0.9700% | 584 |
| Noninterest expense to average assets | 2.5740% | 2,043 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.1930% | 1,460 |
| Return on assets (ROA) | 1.1930% | 1,463 |
| Pretax return on assets | 1.1930% | 1,910 |
| Return on Equity (ROE) | 7.5700% | 2,809 |
| Retained earnings to average equity (ytd only) | 7.5680% | 1,664 |
| Net charge-offs to loans | -0.0434% | 4,296 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 68.3292% | 2,344 |
| Assets per employee ($millions) | 7.3357% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8592% | 502 |
| Loan loss allowance to noncurrent loans | 562.2951% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.1386% | 2,706 |
| Noncurrent loans to loans | 0.3306% | 2,144 |
| Net loans and leases to total assets | 41.1400% | 3,992 |
| Net loans and leases to deposits | 48.9285% | 3,956 |
| Net loans and leases to core deposits | 49.7445% | 4,081 |
| Total domestic deposits to total assets | 84.0800% | 2,691 |
| Equity capital to assets | 15.4610% | 503 |
| Core capital (leverage) ratio | 15.6892% | 517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.7347% | 133 |
| Memoranda: | ||
| Average total assets | $42,580,000 | 4,357 |
| Average earning assets | $41,611,500 | 4,318 |
| Average equity | $6,712,500 | 4,119 |
| Average total loans | $18,436,500 | 4,307 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5712% | 2,964 |
| Cost of funding earning assets | 1.3763% | 2,292 |
| Net interest margin | 3.1949% | 2,889 |
| Noninterest income to average assets | 1.0300% | 599 |
| Noninterest expense to average assets | 2.2719% | 2,916 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.8716% | 550 |
| Return on assets (ROA) | 1.8716% | 531 |
| Pretax return on assets | 1.8716% | 802 |
| Return on Equity (ROE) | 12.3500% | 1,879 |
| Retained earnings to average equity (ytd only) | -1.1780% | 4,201 |
| Net charge-offs to loans | -0.0269% | 4,242 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.5984% | 3,638 |
| Assets per employee ($millions) | 6.8577% | 2,166 |
| Cash dividends to net income (ytd only)* | 109.5361% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8508% | 489 |
| Loan loss allowance to noncurrent loans | 1,623.8095% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 3,254 |
| Noncurrent loans to loans | 0.1140% | 2,955 |
| Net loans and leases to total assets | 43.9500% | 3,905 |
| Net loans and leases to deposits | 52.6235% | 3,852 |
| Net loans and leases to core deposits | 53.1587% | 3,998 |
| Total domestic deposits to total assets | 83.5100% | 2,749 |
| Equity capital to assets | 16.0890% | 455 |
| Core capital (leverage) ratio | 15.7922% | 515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.0596% | 133 |
| Memoranda: | ||
| Average total assets | $41,462,200 | 4,384 |
| Average earning assets | $40,470,600 | 4,343 |
| Average equity | $6,281,800 | 4,135 |
| Average total loans | $18,557,200 | 4,313 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3963% | 3,112 |
| Cost of funding earning assets | 1.2232% | 2,358 |
| Net interest margin | 3.1731% | 2,979 |
| Noninterest income to average assets | 0.9400% | 706 |
| Noninterest expense to average assets | 2.3590% | 2,629 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6754% | 827 |
| Return on assets (ROA) | 1.6754% | 823 |
| Pretax return on assets | 1.6754% | 1,207 |
| Return on Equity (ROE) | 11.2300% | 2,317 |
| Retained earnings to average equity (ytd only) | -7.0567% | 4,465 |
| Net charge-offs to loans | -0.0287% | 4,234 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.1543% | 3,186 |
| Assets per employee ($millions) | 6.9320% | 2,006 |
| Cash dividends to net income (ytd only)* | 162.8352% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7049% | 689 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 47.1300% | 3,779 |
| Net loans and leases to deposits | 55.8350% | 3,719 |
| Net loans and leases to core deposits | 56.3908% | 3,841 |
| Total domestic deposits to total assets | 84.4100% | 2,665 |
| Equity capital to assets | 15.1592% | 518 |
| Core capital (leverage) ratio | 15.5926% | 548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.5307% | 161 |
| Memoranda: | ||
| Average total assets | $41,541,250 | 4,396 |
| Average earning assets | $40,548,000 | 4,360 |
| Average equity | $6,197,250 | 4,149 |
| Average total loans | $18,590,500 | 4,331 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3254% | 3,051 |
| Cost of funding earning assets | 1.0012% | 2,602 |
| Net interest margin | 3.3242% | 2,699 |
| Noninterest income to average assets | 0.8100% | 840 |
| Noninterest expense to average assets | 2.4468% | 2,361 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6087% | 934 |
| Return on assets (ROA) | 1.6087% | 936 |
| Pretax return on assets | 1.6087% | 1,395 |
| Return on Equity (ROE) | 10.8400% | 2,469 |
| Retained earnings to average equity (ytd only) | -16.7496% | 4,566 |
| Net charge-offs to loans | -0.0221% | 4,150 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.9762% | 2,960 |
| Assets per employee ($millions) | 6.9708% | 1,950 |
| Cash dividends to net income (ytd only)* | 254.4910% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7137% | 726 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 46.3500% | 3,776 |
| Net loans and leases to deposits | 54.3850% | 3,728 |
| Net loans and leases to core deposits | 54.9150% | 3,854 |
| Total domestic deposits to total assets | 85.2200% | 2,482 |
| Equity capital to assets | 14.5009% | 578 |
| Core capital (leverage) ratio | 15.4314% | 537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.4927% | 161 |
| Memoranda: | ||
| Average total assets | $41,524,333 | 4,423 |
| Average earning assets | $40,551,333 | 4,384 |
| Average equity | $6,161,333 | 4,177 |
| Average total loans | $18,140,000 | 4,359 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0072% | 4,619 |
| Cost of funding earning assets | 0.2113% | 2,761 |
| Net interest margin | 1.7959% | 4,627 |
| Noninterest income to average assets | 0.9479% | 754 |
| Noninterest expense to average assets | 2.0439% | 3,311 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6665% | 3,425 |
| Return on assets (ROA) | 0.6665% | 3,374 |
| Pretax return on assets | 0.6665% | 3,667 |
| Return on Equity (ROE) | 4.4868% | 3,914 |
| Retained earnings to average equity (ytd only) | 4.4868% | 2,890 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8634% | 1,407 |
| Assets per employee ($millions) | 5.0778% | 3,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0550% | 498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 39.3063% | 4,111 |
| Net loans and leases to deposits | 46.1781% | 4,017 |
| Net loans and leases to core deposits | 47.3293% | 4,064 |
| Total domestic deposits to total assets | 85.1189% | 3,461 |
| Equity capital to assets | 14.7580% | 430 |
| Core capital (leverage) ratio | 15.1105% | 462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.6938% | 90 |
| Memoranda: | ||
| Average total assets | $40,511,667 | 4,605 |
| Average earning assets | $39,757,333 | 4,569 |
| Average equity | $6,017,667 | 4,410 |
| Average total loans | $15,292,333 | 4,574 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8669% | 4,652 |
| Cost of funding earning assets | 0.1917% | 2,915 |
| Net interest margin | 1.6752% | 4,652 |
| Noninterest income to average assets | 1.2260% | 475 |
| Noninterest expense to average assets | 1.9478% | 3,556 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9195% | 2,204 |
| Return on assets (ROA) | 0.9195% | 2,200 |
| Pretax return on assets | 0.9195% | 2,704 |
| Return on Equity (ROE) | 6.1702% | 3,298 |
| Retained earnings to average equity (ytd only) | 6.1702% | 2,189 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2414% | 2,602 |
| Assets per employee ($millions) | 5.1021% | 3,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2292% | 420 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 35.9973% | 4,207 |
| Net loans and leases to deposits | 42.2443% | 4,153 |
| Net loans and leases to core deposits | 43.2911% | 4,186 |
| Total domestic deposits to total assets | 85.2120% | 3,493 |
| Equity capital to assets | 14.6900% | 426 |
| Core capital (leverage) ratio | 14.8772% | 449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.7084% | 81 |
| Memoranda: | ||
| Average total assets | $40,456,500 | 4,632 |
| Average earning assets | $39,637,500 | 4,595 |
| Average equity | $6,029,000 | 4,464 |
| Average total loans | $14,787,500 | 4,604 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2920% | 4,591 |
| Cost of funding earning assets | 0.2496% | 2,940 |
| Net interest margin | 2.0424% | 4,579 |
| Noninterest income to average assets | 0.9842% | 1,033 |
| Noninterest expense to average assets | 2.0177% | 3,624 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9376% | 2,912 |
| Return on assets (ROA) | 0.9376% | 2,977 |
| Pretax return on assets | 0.9376% | 3,398 |
| Return on Equity (ROE) | 6.1339% | 3,748 |
| Retained earnings to average equity (ytd only) | 6.1339% | 2,303 |
| Net charge-offs to loans | -0.0548% | 4,362 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3094% | 2,080 |
| Assets per employee ($millions) | 5.0120% | 3,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3029% | 380 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 35.4449% | 4,316 |
| Net loans and leases to deposits | 41.7914% | 4,283 |
| Net loans and leases to core deposits | 42.2147% | 4,336 |
| Total domestic deposits to total assets | 84.8139% | 3,323 |
| Equity capital to assets | 15.1187% | 479 |
| Core capital (leverage) ratio | 15.2906% | 425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.3306% | 77 |
| Memoranda: | ||
| Average total assets | $38,608,800 | 4,674 |
| Average earning assets | $37,260,000 | 4,644 |
| Average equity | $5,901,600 | 4,536 |
| Average total loans | $14,600,400 | 4,659 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2966% | 4,672 |
| Cost of funding earning assets | 0.2612% | 3,003 |
| Net interest margin | 2.0354% | 4,663 |
| Noninterest income to average assets | 0.9415% | 1,169 |
| Noninterest expense to average assets | 1.9213% | 3,890 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9763% | 3,000 |
| Return on assets (ROA) | 0.9763% | 3,081 |
| Pretax return on assets | 0.9763% | 3,528 |
| Return on Equity (ROE) | 6.3691% | 3,830 |
| Retained earnings to average equity (ytd only) | 6.3691% | 2,664 |
| Net charge-offs to loans | -0.0639% | 4,449 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2226% | 2,212 |
| Assets per employee ($millions) | 6.4600% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2034% | 453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 38.3617% | 4,282 |
| Net loans and leases to deposits | 45.5392% | 4,252 |
| Net loans and leases to core deposits | 46.0198% | 4,324 |
| Total domestic deposits to total assets | 84.2389% | 3,391 |
| Equity capital to assets | 15.4825% | 472 |
| Core capital (leverage) ratio | 15.2939% | 455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.2100% | 100 |
| Memoranda: | ||
| Average total assets | $38,237,000 | 4,750 |
| Average earning assets | $36,748,750 | 4,718 |
| Average equity | $5,861,500 | 4,609 |
| Average total loans | $14,613,750 | 4,728 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3131% | 4,716 |
| Cost of funding earning assets | 0.2747% | 3,047 |
| Net interest margin | 2.0384% | 4,690 |
| Noninterest income to average assets | 0.8828% | 1,318 |
| Noninterest expense to average assets | 1.9599% | 3,807 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8722% | 3,296 |
| Return on assets (ROA) | 0.8722% | 3,372 |
| Pretax return on assets | 0.8722% | 3,723 |
| Return on Equity (ROE) | 5.7094% | 3,976 |
| Retained earnings to average equity (ytd only) | 5.7094% | 2,918 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9035% | 1,890 |
| Assets per employee ($millions) | 6.4687% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1908% | 435 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 37.7306% | 4,394 |
| Net loans and leases to deposits | 44.6205% | 4,365 |
| Net loans and leases to core deposits | 45.0876% | 4,425 |
| Total domestic deposits to total assets | 84.5589% | 3,267 |
| Equity capital to assets | 15.1963% | 496 |
| Core capital (leverage) ratio | 14.9092% | 485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.9018% | 93 |
| Memoranda: | ||
| Average total assets | $38,062,667 | 4,782 |
| Average earning assets | $36,401,000 | 4,753 |
| Average equity | $5,815,000 | 4,641 |
| Average total loans | $14,417,000 | 4,764 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1192% | 4,811 |
| Cost of funding earning assets | 0.2788% | 3,196 |
| Net interest margin | 1.8404% | 4,797 |
| Noninterest income to average assets | 0.8172% | 1,542 |
| Noninterest expense to average assets | 2.0802% | 3,482 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4882% | 4,195 |
| Return on assets (ROA) | 0.4882% | 4,234 |
| Pretax return on assets | 0.4882% | 4,372 |
| Return on Equity (ROE) | 3.1870% | 4,439 |
| Retained earnings to average equity (ytd only) | 3.1870% | 3,721 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9256% | 899 |
| Assets per employee ($millions) | 6.4275% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3497% | 332 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 35.3455% | 4,537 |
| Net loans and leases to deposits | 41.7246% | 4,506 |
| Net loans and leases to core deposits | 42.1634% | 4,561 |
| Total domestic deposits to total assets | 84.7115% | 3,217 |
| Equity capital to assets | 15.0084% | 491 |
| Core capital (leverage) ratio | 15.0348% | 474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.5759% | 89 |
| Memoranda: | ||
| Average total assets | $37,688,000 | 4,806 |
| Average earning assets | $35,862,500 | 4,778 |
| Average equity | $5,773,500 | 4,663 |
| Average total loans | $14,139,500 | 4,796 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7054% | 4,791 |
| Cost of funding earning assets | 0.4326% | 3,390 |
| Net interest margin | 2.2727% | 4,734 |
| Noninterest income to average assets | 1.1120% | 861 |
| Noninterest expense to average assets | 2.1779% | 3,728 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0775% | 1,996 |
| Return on assets (ROA) | 1.0775% | 2,139 |
| Pretax return on assets | 1.0775% | 2,780 |
| Return on Equity (ROE) | 6.5018% | 3,406 |
| Retained earnings to average equity (ytd only) | 0.1907% | 4,461 |
| Net charge-offs to loans | 0.0799% | 1,674 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 34.0909% | 1,499 |
| Efficiency ratio | 66.8138% | 2,384 |
| Assets per employee ($millions) | 6.1352% | 2,225 |
| Cash dividends to net income (ytd only)* | 97.0667% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2905% | 358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 38.0104% | 4,519 |
| Net loans and leases to deposits | 45.1224% | 4,493 |
| Net loans and leases to core deposits | 45.6211% | 4,551 |
| Total domestic deposits to total assets | 84.2384% | 3,039 |
| Equity capital to assets | 15.6448% | 468 |
| Core capital (leverage) ratio | 15.6982% | 421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.2610% | 99 |
| Memoranda: | ||
| Average total assets | $34,803,400 | 4,832 |
| Average earning assets | $32,823,800 | 4,816 |
| Average equity | $5,767,600 | 4,670 |
| Average total loans | $13,772,000 | 4,829 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7328% | 4,854 |
| Cost of funding earning assets | 0.4603% | 3,467 |
| Net interest margin | 2.2725% | 4,789 |
| Noninterest income to average assets | 1.0223% | 992 |
| Noninterest expense to average assets | 2.1689% | 3,752 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0028% | 2,331 |
| Return on assets (ROA) | 1.0028% | 2,461 |
| Pretax return on assets | 1.0028% | 3,064 |
| Return on Equity (ROE) | 5.9620% | 3,569 |
| Retained earnings to average equity (ytd only) | -2.4495% | 4,737 |
| Net charge-offs to loans | 0.1076% | 1,260 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 23.4545% | 1,795 |
| Efficiency ratio | 68.2598% | 2,149 |
| Assets per employee ($millions) | 4.9877% | 3,264 |
| Cash dividends to net income (ytd only)* | 141.0853% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2851% | 304 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 40.1730% | 4,564 |
| Net loans and leases to deposits | 48.1431% | 4,549 |
| Net loans and leases to core deposits | 48.7098% | 4,610 |
| Total domestic deposits to total assets | 83.4450% | 3,012 |
| Equity capital to assets | 16.2227% | 441 |
| Core capital (leverage) ratio | 15.8929% | 428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.1149% | 117 |
| Memoranda: | ||
| Average total assets | $34,301,500 | 4,862 |
| Average earning assets | $32,445,000 | 4,845 |
| Average equity | $5,769,750 | 4,691 |
| Average total loans | $13,635,000 | 4,862 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8150% | 4,902 |
| Cost of funding earning assets | 0.5011% | 3,527 |
| Net interest margin | 2.3139% | 4,830 |
| Noninterest income to average assets | 0.5690% | 2,258 |
| Noninterest expense to average assets | 2.2406% | 3,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5220% | 3,949 |
| Return on assets (ROA) | 0.5220% | 4,038 |
| Pretax return on assets | 0.5220% | 4,216 |
| Return on Equity (ROE) | 3.0663% | 4,338 |
| Retained earnings to average equity (ytd only) | 3.0663% | 3,360 |
| Net charge-offs to loans | 0.1642% | 912 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 8.0909% | 2,321 |
| Efficiency ratio | 80.8917% | 823 |
| Assets per employee ($millions) | 5.0714% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3506% | 272 |
| Loan loss allowance to noncurrent loans | 1,640.0000% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 4,245 |
| Noncurrent loans to loans | 0.1433% | 3,887 |
| Net loans and leases to total assets | 38.3831% | 4,653 |
| Net loans and leases to deposits | 46.1288% | 4,652 |
| Net loans and leases to core deposits | 46.1288% | 4,711 |
| Total domestic deposits to total assets | 83.2085% | 3,028 |
| Equity capital to assets | 16.5690% | 411 |
| Core capital (leverage) ratio | 16.1323% | 423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.6523% | 101 |
| Memoranda: | ||
| Average total assets | $34,097,333 | 4,894 |
| Average earning assets | $32,326,333 | 4,870 |
| Average equity | $5,805,000 | 4,709 |
| Average total loans | $13,395,333 | 4,897 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1896% | 4,870 |
| Cost of funding earning assets | 0.5718% | 3,585 |
| Net interest margin | 2.6177% | 4,737 |
| Noninterest income to average assets | 0.1677% | 4,529 |
| Noninterest expense to average assets | 2.3236% | 3,719 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3114% | 4,321 |
| Return on assets (ROA) | 0.3114% | 4,346 |
| Pretax return on assets | 0.3114% | 4,439 |
| Return on Equity (ROE) | 1.8035% | 4,483 |
| Retained earnings to average equity (ytd only) | 1.8035% | 3,510 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1818% | 578 |
| Assets per employee ($millions) | 4.8746% | 2,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5856% | 219 |
| Loan loss allowance to noncurrent loans | 2,825.0000% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 4,441 |
| Noncurrent loans to loans | 0.0915% | 4,147 |
| Net loans and leases to total assets | 37.4304% | 4,742 |
| Net loans and leases to deposits | 45.2459% | 4,739 |
| Net loans and leases to core deposits | 45.2459% | 4,789 |
| Total domestic deposits to total assets | 82.7267% | 3,197 |
| Equity capital to assets | 17.0916% | 432 |
| Core capital (leverage) ratio | 16.5454% | 456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.1925% | 93 |
| Memoranda: | ||
| Average total assets | $33,396,000 | 4,939 |
| Average earning assets | $31,477,500 | 4,913 |
| Average equity | $5,766,500 | 4,755 |
| Average total loans | $13,116,000 | 4,941 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5260% | 4,840 |
| Cost of funding earning assets | 0.5721% | 3,759 |
| Net interest margin | 2.9539% | 4,569 |
| Noninterest income to average assets | 1.1091% | 777 |
| Noninterest expense to average assets | 2.1559% | 4,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7198% | 634 |
| Return on assets (ROA) | 1.7198% | 675 |
| Pretax return on assets | 1.7198% | 1,139 |
| Return on Equity (ROE) | 10.0719% | 2,267 |
| Retained earnings to average equity (ytd only) | 3.4303% | 3,293 |
| Net charge-offs to loans | 0.2416% | 848 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 17.8065% | 2,090 |
| Efficiency ratio | 55.5466% | 4,262 |
| Assets per employee ($millions) | 4.6671% | 2,993 |
| Cash dividends to net income (ytd only)* | 65.9420% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5836% | 197 |
| Loan loss allowance to noncurrent loans | 1,784.2105% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 4,332 |
| Noncurrent loans to loans | 0.1448% | 3,947 |
| Net loans and leases to total assets | 39.1246% | 4,768 |
| Net loans and leases to deposits | 47.4885% | 4,753 |
| Net loans and leases to core deposits | 47.4885% | 4,804 |
| Total domestic deposits to total assets | 82.3875% | 3,403 |
| Equity capital to assets | 17.4503% | 418 |
| Core capital (leverage) ratio | 17.8291% | 349 |
| Tier 1 risk-based capital ratio | 47.4905% | 155 |
| Total risk-based capital ratio | 48.7601% | 150 |
| Memoranda: | ||
| Average total assets | $32,097,400 | 5,002 |
| Average earning assets | $30,062,200 | 4,987 |
| Average equity | $5,480,600 | 4,829 |
| Average total loans | $12,833,600 | 5,010 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6123% | 4,873 |
| Cost of funding earning assets | 0.5657% | 3,840 |
| Net interest margin | 3.0467% | 4,565 |
| Noninterest income to average assets | 1.1224% | 717 |
| Noninterest expense to average assets | 2.0946% | 4,373 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8818% | 516 |
| Return on assets (ROA) | 1.8818% | 537 |
| Pretax return on assets | 1.8818% | 904 |
| Return on Equity (ROE) | 11.0832% | 1,988 |
| Retained earnings to average equity (ytd only) | 2.1381% | 4,226 |
| Net charge-offs to loans | 0.3134% | 554 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 15.0330% | 2,214 |
| Efficiency ratio | 52.5708% | 4,552 |
| Assets per employee ($millions) | 5.1070% | 2,440 |
| Cash dividends to net income (ytd only)* | 80.7091% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5026% | 218 |
| Loan loss allowance to noncurrent loans | 323.8095% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.3427% | 3,149 |
| Noncurrent loans to loans | 0.7729% | 2,036 |
| Net loans and leases to total assets | 43.2282% | 4,716 |
| Net loans and leases to deposits | 53.0966% | 4,665 |
| Net loans and leases to core deposits | 53.0966% | 4,771 |
| Total domestic deposits to total assets | 81.4144% | 3,635 |
| Equity capital to assets | 18.2821% | 370 |
| Core capital (leverage) ratio | 17.9204% | 360 |
| Tier 1 risk-based capital ratio | 45.3797% | 176 |
| Total risk-based capital ratio | 46.6480% | 172 |
| Memoranda: | ||
| Average total assets | $31,954,250 | 5,080 |
| Average earning assets | $29,933,750 | 5,063 |
| Average equity | $5,425,500 | 4,901 |
| Average total loans | $12,761,750 | 5,095 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5933% | 4,935 |
| Cost of funding earning assets | 0.5513% | 3,871 |
| Net interest margin | 3.0420% | 4,616 |
| Noninterest income to average assets | 0.8088% | 1,322 |
| Noninterest expense to average assets | 2.1364% | 4,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5004% | 1,150 |
| Return on assets (ROA) | 1.5004% | 1,200 |
| Pretax return on assets | 1.5004% | 1,859 |
| Return on Equity (ROE) | 9.0559% | 2,829 |
| Retained earnings to average equity (ytd only) | -4.5093% | 5,038 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5739% | 3,924 |
| Assets per employee ($millions) | 5.2447% | 2,211 |
| Cash dividends to net income (ytd only)* | 149.7942% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7614% | 162 |
| Loan loss allowance to noncurrent loans | 240.9091% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.4894% | 2,583 |
| Noncurrent loans to loans | 1.1463% | 1,414 |
| Net loans and leases to total assets | 41.5152% | 4,798 |
| Net loans and leases to deposits | 50.2462% | 4,796 |
| Net loans and leases to core deposits | 50.2462% | 4,862 |
| Total domestic deposits to total assets | 82.6236% | 3,326 |
| Equity capital to assets | 17.1666% | 449 |
| Core capital (leverage) ratio | 16.6311% | 472 |
| Tier 1 risk-based capital ratio | 44.2054% | 182 |
| Total risk-based capital ratio | 45.4727% | 179 |
| Memoranda: | ||
| Average total assets | $32,391,670 | 5,119 |
| Average earning assets | $30,111,670 | 5,101 |
| Average equity | $5,366,670 | 4,939 |
| Average total loans | $12,487,000 | 5,145 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5325% | 5,017 |
| Cost of funding earning assets | 0.5578% | 3,791 |
| Net interest margin | 2.9747% | 4,787 |
| Noninterest income to average assets | 0.1826% | 4,661 |
| Noninterest expense to average assets | 2.1550% | 4,361 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7549% | 3,760 |
| Return on assets (ROA) | 0.7549% | 3,806 |
| Pretax return on assets | 0.7549% | 4,163 |
| Return on Equity (ROE) | 4.6364% | 4,432 |
| Retained earnings to average equity (ytd only) | -22.5837% | 5,274 |
| Net charge-offs to loans | -0.0666% | 4,913 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0586% | 1,750 |
| Assets per employee ($millions) | 5.3737% | 2,101 |
| Cash dividends to net income (ytd only)* | 587.0968% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0846% | 124 |
| Loan loss allowance to noncurrent loans | 146.4567% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.7878% | 1,789 |
| Noncurrent loans to loans | 2.1061% | 696 |
| Net loans and leases to total assets | 36.2509% | 5,013 |
| Net loans and leases to deposits | 43.8854% | 4,989 |
| Net loans and leases to core deposits | 43.8854% | 5,046 |
| Total domestic deposits to total assets | 82.6034% | 3,535 |
| Equity capital to assets | 16.1249% | 555 |
| Core capital (leverage) ratio | 15.7422% | 568 |
| Tier 1 risk-based capital ratio | 48.7968% | 143 |
| Total risk-based capital ratio | 50.0658% | 141 |
| Memoranda: | ||
| Average total assets | $32,853,500 | 5,167 |
| Average earning assets | $30,120,500 | 5,151 |
| Average equity | $5,349,000 | 4,986 |
| Average total loans | $12,013,000 | 5,209 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0172% | 5,226 |
| Cost of funding earning assets | 0.3817% | 4,095 |
| Net interest margin | 2.6356% | 5,134 |
| Noninterest income to average assets | 0.9970% | 946 |
| Noninterest expense to average assets | 2.1818% | 4,379 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2802% | 1,878 |
| Return on assets (ROA) | 1.2802% | 1,873 |
| Pretax return on assets | 1.2802% | 2,577 |
| Return on Equity (ROE) | 7.7467% | 3,550 |
| Retained earnings to average equity (ytd only) | -1.3035% | 5,096 |
| Net charge-offs to loans | 0.0849% | 1,934 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 41.6000% | 1,275 |
| Efficiency ratio | 62.9333% | 3,356 |
| Assets per employee ($millions) | 6.6930% | 1,119 |
| Cash dividends to net income (ytd only)* | 116.8269% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0921% | 118 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.6634% | 2,066 |
| Noncurrent loans to loans | 1.8553% | 754 |
| Net loans and leases to total assets | 34.6511% | 5,105 |
| Net loans and leases to deposits | 41.5166% | 5,092 |
| Net loans and leases to core deposits | 41.9476% | 5,125 |
| Total domestic deposits to total assets | 83.4633% | 3,169 |
| Equity capital to assets | 16.4321% | 472 |
| Core capital (leverage) ratio | 17.5234% | 365 |
| Tier 1 risk-based capital ratio | 45.8316% | 168 |
| Total risk-based capital ratio | 47.1001% | 163 |
| Memoranda: | ||
| Average total assets | $32,496,000 | 5,213 |
| Average earning assets | $30,392,000 | 5,191 |
| Average equity | $5,370,000 | 4,991 |
| Average total loans | $11,777,000 | 5,252 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9478% | 5,308 |
| Cost of funding earning assets | 0.3396% | 4,248 |
| Net interest margin | 2.6082% | 5,216 |
| Noninterest income to average assets | 0.9177% | 1,145 |
| Noninterest expense to average assets | 2.0710% | 4,604 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3228% | 1,770 |
| Return on assets (ROA) | 1.3228% | 1,777 |
| Pretax return on assets | 1.3228% | 2,531 |
| Return on Equity (ROE) | 7.9933% | 3,554 |
| Retained earnings to average equity (ytd only) | -4.1465% | 5,287 |
| Net charge-offs to loans | 0.1023% | 1,465 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 35.5550% | 1,453 |
| Efficiency ratio | 60.9013% | 3,671 |
| Assets per employee ($millions) | 5.2255% | 2,201 |
| Cash dividends to net income (ytd only)* | 151.8727% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0048% | 139 |
| Loan loss allowance to noncurrent loans | 185.5000% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.6379% | 2,277 |
| Noncurrent loans to loans | 1.6198% | 978 |
| Net loans and leases to total assets | 38.1973% | 5,076 |
| Net loans and leases to deposits | 46.2555% | 5,048 |
| Net loans and leases to core deposits | 46.7758% | 5,090 |
| Total domestic deposits to total assets | 82.5790% | 3,440 |
| Equity capital to assets | 17.1945% | 407 |
| Core capital (leverage) ratio | 17.0824% | 411 |
| Tier 1 risk-based capital ratio | 47.5293% | 154 |
| Total risk-based capital ratio | 48.7977% | 151 |
| Memoranda: | ||
| Average total assets | $32,253,750 | 5,285 |
| Average earning assets | $30,621,000 | 5,258 |
| Average equity | $5,337,750 | 5,055 |
| Average total loans | $11,729,750 | 5,320 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9097% | 5,367 |
| Cost of funding earning assets | 0.3111% | 4,340 |
| Net interest margin | 2.5986% | 5,276 |
| Noninterest income to average assets | 0.6819% | 1,949 |
| Noninterest expense to average assets | 2.0765% | 4,662 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0690% | 2,718 |
| Return on assets (ROA) | 1.0690% | 2,718 |
| Pretax return on assets | 1.0690% | 3,437 |
| Return on Equity (ROE) | 6.5414% | 4,047 |
| Retained earnings to average equity (ytd only) | -11.7293% | 5,434 |
| Net charge-offs to loans | 0.1562% | 987 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 19.3333% | 1,851 |
| Efficiency ratio | 47.4609% | 5,144 |
| Assets per employee ($millions) | 5.3845% | 2,003 |
| Cash dividends to net income (ytd only)* | 279.3103% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0563% | 131 |
| Loan loss allowance to noncurrent loans | 190.2564% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.6036% | 2,411 |
| Noncurrent loans to loans | 1.6064% | 1,008 |
| Net loans and leases to total assets | 36.4255% | 5,166 |
| Net loans and leases to deposits | 43.5545% | 5,156 |
| Net loans and leases to core deposits | 44.0221% | 5,195 |
| Total domestic deposits to total assets | 83.6320% | 3,205 |
| Equity capital to assets | 16.2101% | 472 |
| Core capital (leverage) ratio | 15.9378% | 509 |
| Tier 1 risk-based capital ratio | 47.3860% | 153 |
| Total risk-based capital ratio | 48.6591% | 152 |
| Memoranda: | ||
| Average total assets | $32,554,000 | 5,349 |
| Average earning assets | $30,862,670 | 5,320 |
| Average equity | $5,320,000 | 5,112 |
| Average total loans | $11,524,000 | 5,383 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9042% | 5,415 |
| Cost of funding earning assets | 0.2616% | 4,641 |
| Net interest margin | 2.6426% | 5,293 |
| Noninterest income to average assets | 0.8079% | 1,429 |
| Noninterest expense to average assets | 2.0932% | 4,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1874% | 2,064 |
| Return on assets (ROA) | 1.1874% | 2,074 |
| Pretax return on assets | 1.1874% | 2,814 |
| Return on Equity (ROE) | 7.2368% | 3,684 |
| Retained earnings to average equity (ytd only) | -29.0217% | 5,551 |
| Net charge-offs to loans | -0.0357% | 4,822 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8060% | 3,507 |
| Assets per employee ($millions) | 5.4817% | 1,955 |
| Cash dividends to net income (ytd only)* | 501.0309% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4015% | 97 |
| Loan loss allowance to noncurrent loans | 173.1818% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.6689% | 2,322 |
| Noncurrent loans to loans | 1.9641% | 825 |
| Net loans and leases to total assets | 32.8975% | 5,296 |
| Net loans and leases to deposits | 39.0684% | 5,290 |
| Net loans and leases to core deposits | 39.4790% | 5,319 |
| Total domestic deposits to total assets | 84.2049% | 3,232 |
| Equity capital to assets | 15.6887% | 540 |
| Core capital (leverage) ratio | 15.4167% | 567 |
| Tier 1 risk-based capital ratio | 48.7879% | 141 |
| Total risk-based capital ratio | 50.0613% | 140 |
| Memoranda: | ||
| Average total assets | $32,677,500 | 5,401 |
| Average earning assets | $30,576,500 | 5,378 |
| Average equity | $5,361,500 | 5,156 |
| Average total loans | $11,216,500 | 5,446 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5297% | 5,547 |
| Cost of funding earning assets | 0.2431% | 4,619 |
| Net interest margin | 2.2866% | 5,509 |
| Noninterest income to average assets | 0.9979% | 1,023 |
| Noninterest expense to average assets | 1.9368% | 5,068 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2249% | 1,444 |
| Return on assets (ROA) | 1.2249% | 1,464 |
| Pretax return on assets | 1.2249% | 2,663 |
| Return on Equity (ROE) | 7.3604% | 3,095 |
| Retained earnings to average equity (ytd only) | 7.3604% | 966 |
| Net charge-offs to loans | 0.0798% | 2,307 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 43.7778% | 1,193 |
| Efficiency ratio | 61.1603% | 4,088 |
| Assets per employee ($millions) | 5.4108% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3832% | 94 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.4682% | 2,999 |
| Noncurrent loans to loans | 1.3533% | 1,292 |
| Net loans and leases to total assets | 33.4268% | 5,355 |
| Net loans and leases to deposits | 40.3720% | 5,333 |
| Net loans and leases to core deposits | 40.8062% | 5,367 |
| Total domestic deposits to total assets | 82.7969% | 3,628 |
| Equity capital to assets | 17.1354% | 386 |
| Core capital (leverage) ratio | 17.7867% | 314 |
| Tier 1 risk-based capital ratio | 48.8750% | 124 |
| Total risk-based capital ratio | 50.1494% | 123 |
| Memoranda: | ||
| Average total assets | $32,166,800 | 5,464 |
| Average earning assets | $30,437,800 | 5,434 |
| Average equity | $5,353,000 | 5,212 |
| Average total loans | $11,280,800 | 5,513 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4730% | 5,628 |
| Cost of funding earning assets | 0.2351% | 4,703 |
| Net interest margin | 2.2379% | 5,593 |
| Noninterest income to average assets | 0.9182% | 1,219 |
| Noninterest expense to average assets | 1.9485% | 5,045 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1051% | 2,068 |
| Return on assets (ROA) | 1.1051% | 2,120 |
| Pretax return on assets | 1.1051% | 3,282 |
| Return on Equity (ROE) | 6.6911% | 3,820 |
| Retained earnings to average equity (ytd only) | 6.6911% | 1,848 |
| Net charge-offs to loans | 0.1063% | 1,727 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 29.5550% | 1,569 |
| Efficiency ratio | 63.6735% | 3,613 |
| Assets per employee ($millions) | 5.1405% | 2,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2373% | 120 |
| Loan loss allowance to noncurrent loans | 436.7816% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.2821% | 3,939 |
| Noncurrent loans to loans | 0.7412% | 2,508 |
| Net loans and leases to total assets | 36.8252% | 5,315 |
| Net loans and leases to deposits | 44.8543% | 5,291 |
| Net loans and leases to core deposits | 45.3667% | 5,331 |
| Total domestic deposits to total assets | 82.0997% | 3,742 |
| Equity capital to assets | 17.6896% | 361 |
| Core capital (leverage) ratio | 17.1811% | 368 |
| Tier 1 risk-based capital ratio | 47.1492% | 147 |
| Total risk-based capital ratio | 48.4162% | 147 |
| Memoranda: | ||
| Average total assets | $32,092,250 | 5,522 |
| Average earning assets | $30,622,750 | 5,489 |
| Average equity | $5,300,500 | 5,281 |
| Average total loans | $11,293,000 | 5,575 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3552% | 5,695 |
| Cost of funding earning assets | 0.2465% | 4,572 |
| Net interest margin | 2.1086% | 5,670 |
| Noninterest income to average assets | 0.7567% | 1,742 |
| Noninterest expense to average assets | 1.9502% | 5,082 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8059% | 3,370 |
| Return on assets (ROA) | 0.8059% | 3,425 |
| Pretax return on assets | 0.8059% | 4,247 |
| Return on Equity (ROE) | 4.9917% | 4,480 |
| Retained earnings to average equity (ytd only) | 4.9917% | 2,715 |
| Net charge-offs to loans | 0.1615% | 1,197 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 14.5556% | 2,063 |
| Efficiency ratio | 70.5357% | 2,579 |
| Assets per employee ($millions) | 5.4668% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2705% | 126 |
| Loan loss allowance to noncurrent loans | 327.5862% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 3,704 |
| Noncurrent loans to loans | 0.9984% | 1,968 |
| Net loans and leases to total assets | 34.2642% | 5,435 |
| Net loans and leases to deposits | 40.9629% | 5,425 |
| Net loans and leases to core deposits | 41.3944% | 5,459 |
| Total domestic deposits to total assets | 83.6468% | 3,340 |
| Equity capital to assets | 16.1885% | 515 |
| Core capital (leverage) ratio | 16.1929% | 453 |
| Tier 1 risk-based capital ratio | 45.5664% | 156 |
| Total risk-based capital ratio | 46.8393% | 157 |
| Memoranda: | ||
| Average total assets | $32,508,670 | 5,566 |
| Average earning assets | $30,825,670 | 5,536 |
| Average equity | $5,248,670 | 5,324 |
| Average total loans | $11,144,670 | 5,625 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3443% | 5,759 |
| Cost of funding earning assets | 0.2357% | 4,675 |
| Net interest margin | 2.1086% | 5,737 |
| Noninterest income to average assets | 1.0012% | 1,003 |
| Noninterest expense to average assets | 2.0147% | 5,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9764% | 2,411 |
| Return on assets (ROA) | 0.9764% | 2,462 |
| Pretax return on assets | 0.9764% | 3,475 |
| Return on Equity (ROE) | 6.0560% | 3,884 |
| Retained earnings to average equity (ytd only) | 6.0560% | 2,303 |
| Net charge-offs to loans | 0.1100% | 1,291 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 26.3333% | 1,311 |
| Efficiency ratio | 67.3554% | 3,294 |
| Assets per employee ($millions) | 5.4433% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5572% | 114 |
| Loan loss allowance to noncurrent loans | 353.2110% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 3,862 |
| Noncurrent loans to loans | 1.0071% | 2,040 |
| Net loans and leases to total assets | 31.9596% | 5,541 |
| Net loans and leases to deposits | 38.1506% | 5,520 |
| Net loans and leases to core deposits | 38.5536% | 5,558 |
| Total domestic deposits to total assets | 83.7722% | 3,565 |
| Equity capital to assets | 16.0961% | 479 |
| Core capital (leverage) ratio | 15.8276% | 482 |
| Tier 1 risk-based capital ratio | 47.7409% | 149 |
| Total risk-based capital ratio | 49.0162% | 146 |
| Memoranda: | ||
| Average total assets | $32,362,500 | 5,634 |
| Average earning assets | $30,542,000 | 5,605 |
| Average equity | $5,218,000 | 5,377 |
| Average total loans | $10,907,500 | 5,691 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1991% | 5,825 |
| Cost of funding earning assets | 0.2530% | 4,539 |
| Net interest margin | 1.9462% | 5,814 |
| Noninterest income to average assets | 0.9645% | 1,232 |
| Noninterest expense to average assets | 1.8243% | 5,450 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9709% | 2,489 |
| Return on assets (ROA) | 0.9709% | 2,590 |
| Pretax return on assets | 0.9709% | 3,580 |
| Return on Equity (ROE) | 5.8812% | 4,039 |
| Retained earnings to average equity (ytd only) | 1.8067% | 4,499 |
| Net charge-offs to loans | -0.0188% | 5,106 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1532% | 3,736 |
| Assets per employee ($millions) | 5.3442% | 2,008 |
| Cash dividends to net income (ytd only)* | 69.2810% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5298% | 110 |
| Loan loss allowance to noncurrent loans | 125.5663% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.9637% | 1,963 |
| Noncurrent loans to loans | 2.8111% | 514 |
| Net loans and leases to total assets | 33.0703% | 5,572 |
| Net loans and leases to deposits | 39.4773% | 5,566 |
| Net loans and leases to core deposits | 39.8992% | 5,598 |
| Total domestic deposits to total assets | 83.7705% | 3,514 |
| Equity capital to assets | 16.1516% | 478 |
| Core capital (leverage) ratio | 16.7131% | 380 |
| Tier 1 risk-based capital ratio | 42.3310% | 199 |
| Total risk-based capital ratio | 43.6024% | 192 |
| Memoranda: | ||
| Average total assets | $31,518,400 | 5,693 |
| Average earning assets | $29,648,200 | 5,666 |
| Average equity | $5,203,000 | 5,433 |
| Average total loans | $10,664,000 | 5,751 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1477% | 5,898 |
| Cost of funding earning assets | 0.2505% | 4,596 |
| Net interest margin | 1.8971% | 5,884 |
| Noninterest income to average assets | 0.9050% | 1,391 |
| Noninterest expense to average assets | 1.7972% | 5,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9092% | 2,855 |
| Return on assets (ROA) | 0.9092% | 2,991 |
| Pretax return on assets | 0.9092% | 3,949 |
| Return on Equity (ROE) | 5.4776% | 4,320 |
| Retained earnings to average equity (ytd only) | 5.4776% | 2,493 |
| Net charge-offs to loans | -0.0126% | 4,855 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2480% | 3,552 |
| Assets per employee ($millions) | 4.9222% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2148% | 145 |
| Loan loss allowance to noncurrent loans | 296.1832% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.4436% | 3,649 |
| Noncurrent loans to loans | 1.0854% | 2,085 |
| Net loans and leases to total assets | 39.5524% | 5,402 |
| Net loans and leases to deposits | 48.4006% | 5,366 |
| Net loans and leases to core deposits | 48.9769% | 5,421 |
| Total domestic deposits to total assets | 81.7188% | 4,033 |
| Equity capital to assets | 18.0408% | 341 |
| Core capital (leverage) ratio | 17.3957% | 338 |
| Tier 1 risk-based capital ratio | 46.0981% | 168 |
| Total risk-based capital ratio | 47.3726% | 162 |
| Memoranda: | ||
| Average total assets | $31,381,750 | 5,753 |
| Average earning assets | $29,799,000 | 5,722 |
| Average equity | $5,209,000 | 5,488 |
| Average total loans | $10,582,000 | 5,816 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0453% | 5,988 |
| Cost of funding earning assets | 0.2457% | 4,698 |
| Net interest margin | 1.7996% | 5,980 |
| Noninterest income to average assets | 0.7938% | 1,740 |
| Noninterest expense to average assets | 1.7689% | 5,627 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7188% | 3,703 |
| Return on assets (ROA) | 0.7188% | 3,861 |
| Pretax return on assets | 0.7188% | 4,565 |
| Return on Equity (ROE) | 4.4493% | 4,735 |
| Retained earnings to average equity (ytd only) | 4.4493% | 3,083 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8543% | 2,850 |
| Assets per employee ($millions) | 5.2160% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6672% | 107 |
| Loan loss allowance to noncurrent loans | 477.7778% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.2588% | 4,459 |
| Noncurrent loans to loans | 0.7676% | 2,825 |
| Net loans and leases to total assets | 32.4834% | 5,733 |
| Net loans and leases to deposits | 39.0925% | 5,719 |
| Net loans and leases to core deposits | 39.5241% | 5,761 |
| Total domestic deposits to total assets | 83.0937% | 3,611 |
| Equity capital to assets | 16.7370% | 460 |
| Core capital (leverage) ratio | 16.1740% | 444 |
| Tier 1 risk-based capital ratio | 47.4890% | 156 |
| Total risk-based capital ratio | 48.7628% | 153 |
| Memoranda: | ||
| Average total assets | $31,998,000 | 5,820 |
| Average earning assets | $30,117,670 | 5,788 |
| Average equity | $5,169,330 | 5,552 |
| Average total loans | $10,086,330 | 5,902 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0365% | 6,054 |
| Cost of funding earning assets | 0.2396% | 4,812 |
| Net interest margin | 1.7969% | 6,046 |
| Noninterest income to average assets | 0.8532% | 1,435 |
| Noninterest expense to average assets | 1.8053% | 5,646 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7172% | 3,625 |
| Return on assets (ROA) | 0.7172% | 3,742 |
| Pretax return on assets | 0.7172% | 4,465 |
| Return on Equity (ROE) | 4.5180% | 4,697 |
| Retained earnings to average equity (ytd only) | 4.5180% | 3,226 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5686% | 2,861 |
| Assets per employee ($millions) | 5.4447% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9988% | 93 |
| Loan loss allowance to noncurrent loans | 460.7143% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2571% | 4,533 |
| Noncurrent loans to loans | 0.8679% | 2,673 |
| Net loans and leases to total assets | 28.4407% | 5,862 |
| Net loans and leases to deposits | 33.8396% | 5,876 |
| Net loans and leases to core deposits | 34.1933% | 5,887 |
| Total domestic deposits to total assets | 84.0455% | 3,502 |
| Equity capital to assets | 15.8473% | 553 |
| Core capital (leverage) ratio | 15.6493% | 516 |
| Tier 1 risk-based capital ratio | 49.9659% | 132 |
| Total risk-based capital ratio | 51.2431% | 132 |
| Memoranda: | ||
| Average total assets | $32,349,000 | 5,874 |
| Average earning assets | $30,052,000 | 5,848 |
| Average equity | $5,135,000 | 5,600 |
| Average total loans | $9,853,000 | 5,965 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0749% | 6,091 |
| Cost of funding earning assets | 0.2602% | 4,687 |
| Net interest margin | 1.8147% | 6,077 |
| Noninterest income to average assets | 0.9434% | 1,333 |
| Noninterest expense to average assets | 1.7337% | 5,815 |
| Loan and lease loss provision to assets | 0.0312% | 3,743 |
| Net operating income to assets | 0.8778% | 2,987 |
| Return on assets (ROA) | 0.8778% | 3,071 |
| Pretax return on assets | 0.8778% | 3,927 |
| Return on Equity (ROE) | 5.6270% | 4,217 |
| Retained earnings to average equity (ytd only) | 1.9825% | 4,598 |
| Net charge-offs to loans | 0.0393% | 3,442 |
| Credit loss provision to net charge-offs | 250.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 72.7500% | 744 |
| Efficiency ratio | 65.4846% | 3,989 |
| Assets per employee ($millions) | 5.3383% | 1,963 |
| Cash dividends to net income (ytd only)* | 64.7687% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8592% | 92 |
| Loan loss allowance to noncurrent loans | 5,528.5714% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 5,604 |
| Noncurrent loans to loans | 0.0698% | 5,235 |
| Net loans and leases to total assets | 30.0999% | 5,886 |
| Net loans and leases to deposits | 35.8282% | 5,896 |
| Net loans and leases to core deposits | 36.2076% | 5,917 |
| Total domestic deposits to total assets | 84.0119% | 3,473 |
| Equity capital to assets | 15.9007% | 529 |
| Core capital (leverage) ratio | 16.3371% | 429 |
| Tier 1 risk-based capital ratio | 45.9369% | 158 |
| Total risk-based capital ratio | 47.2066% | 153 |
| Memoranda: | ||
| Average total assets | $32,011,600 | 5,926 |
| Average earning assets | $29,978,000 | 5,900 |
| Average equity | $4,993,800 | 5,656 |
| Average total loans | $10,190,400 | 6,010 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0425% | 6,186 |
| Cost of funding earning assets | 0.2553% | 4,819 |
| Net interest margin | 1.7872% | 6,172 |
| Noninterest income to average assets | 0.8748% | 1,527 |
| Noninterest expense to average assets | 1.7246% | 5,876 |
| Loan and lease loss provision to assets | 0.0375% | 3,461 |
| Net operating income to assets | 0.8040% | 3,413 |
| Return on assets (ROA) | 0.8040% | 3,507 |
| Pretax return on assets | 0.8040% | 4,329 |
| Return on Equity (ROE) | 5.1787% | 4,540 |
| Retained earnings to average equity (ytd only) | 0.2952% | 5,522 |
| Net charge-offs to loans | 0.0652% | 2,646 |
| Credit loss provision to net charge-offs | 180.0000% | 1,465 |
| Earnings coverage of net charge-offs (x) | 40.3793% | 1,237 |
| Efficiency ratio | 67.0455% | 3,700 |
| Assets per employee ($millions) | 5.1737% | 2,094 |
| Cash dividends to net income (ytd only)* | 94.2991% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5406% | 138 |
| Loan loss allowance to noncurrent loans | 323.5294% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.3834% | 4,226 |
| Noncurrent loans to loans | 1.0944% | 2,296 |
| Net loans and leases to total assets | 33.7897% | 5,869 |
| Net loans and leases to deposits | 40.4559% | 5,849 |
| Net loans and leases to core deposits | 40.9008% | 5,891 |
| Total domestic deposits to total assets | 83.5223% | 3,606 |
| Equity capital to assets | 16.2490% | 527 |
| Core capital (leverage) ratio | 15.8994% | 500 |
| Tier 1 risk-based capital ratio | 42.6442% | 219 |
| Total risk-based capital ratio | 43.9123% | 212 |
| Memoranda: | ||
| Average total assets | $32,007,000 | 6,008 |
| Average earning assets | $30,288,500 | 5,976 |
| Average equity | $4,969,000 | 5,734 |
| Average total loans | $10,231,000 | 6,090 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0045% | 6,262 |
| Cost of funding earning assets | 0.2572% | 4,869 |
| Net interest margin | 1.7473% | 6,251 |
| Noninterest income to average assets | 0.5011% | 3,369 |
| Noninterest expense to average assets | 1.6703% | 5,997 |
| Loan and lease loss provision to assets | 0.0371% | 3,375 |
| Net operating income to assets | 0.4331% | 5,027 |
| Return on assets (ROA) | 0.4331% | 5,124 |
| Pretax return on assets | 0.4331% | 5,390 |
| Return on Equity (ROE) | 2.8317% | 5,461 |
| Retained earnings to average equity (ytd only) | -4.5307% | 5,999 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7457% | 2,104 |
| Assets per employee ($millions) | 5.3700% | 1,865 |
| Cash dividends to net income (ytd only)* | 260.0000% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6111% | 148 |
| Loan loss allowance to noncurrent loans | 309.6000% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.3880% | 4,348 |
| Noncurrent loans to loans | 1.1664% | 2,317 |
| Net loans and leases to total assets | 32.0608% | 5,974 |
| Net loans and leases to deposits | 37.9041% | 5,980 |
| Net loans and leases to core deposits | 38.3004% | 6,013 |
| Total domestic deposits to total assets | 84.5841% | 3,304 |
| Equity capital to assets | 15.2545% | 657 |
| Core capital (leverage) ratio | 14.7475% | 664 |
| Tier 1 risk-based capital ratio | 44.9403% | 196 |
| Total risk-based capital ratio | 46.2179% | 192 |
| Memoranda: | ||
| Average total assets | $32,328,670 | 6,071 |
| Average earning assets | $30,332,330 | 6,041 |
| Average equity | $4,944,000 | 5,793 |
| Average total loans | $10,016,670 | 6,164 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9794% | 6,336 |
| Cost of funding earning assets | 0.2541% | 4,975 |
| Net interest margin | 1.7253% | 6,323 |
| Noninterest income to average assets | 0.8894% | 1,424 |
| Noninterest expense to average assets | 1.7293% | 5,982 |
| Loan and lease loss provision to assets | 0.0371% | 3,159 |
| Net operating income to assets | 0.7164% | 3,720 |
| Return on assets (ROA) | 0.7164% | 3,845 |
| Pretax return on assets | 0.7164% | 4,546 |
| Return on Equity (ROE) | 4.6788% | 4,673 |
| Retained earnings to average equity (ytd only) | -10.0030% | 6,136 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6517% | 3,550 |
| Assets per employee ($millions) | 5.7023% | 1,622 |
| Cash dividends to net income (ytd only)* | 313.7931% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9304% | 137 |
| Loan loss allowance to noncurrent loans | 288.7218% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 4,470 |
| Noncurrent loans to loans | 1.3613% | 2,113 |
| Net loans and leases to total assets | 27.4332% | 6,155 |
| Net loans and leases to deposits | 32.2820% | 6,156 |
| Net loans and leases to core deposits | 32.5982% | 6,175 |
| Total domestic deposits to total assets | 84.9798% | 3,416 |
| Equity capital to assets | 14.3830% | 868 |
| Core capital (leverage) ratio | 14.1376% | 784 |
| Tier 1 risk-based capital ratio | 47.9925% | 163 |
| Total risk-based capital ratio | 49.2713% | 162 |
| Memoranda: | ||
| Average total assets | $32,383,000 | 6,136 |
| Average earning assets | $29,908,500 | 6,106 |
| Average equity | $4,958,500 | 5,843 |
| Average total loans | $9,666,500 | 6,238 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9575% | 6,425 |
| Cost of funding earning assets | 0.2633% | 5,184 |
| Net interest margin | 1.6942% | 6,412 |
| Noninterest income to average assets | 0.8576% | 1,651 |
| Noninterest expense to average assets | 1.7504% | 6,114 |
| Loan and lease loss provision to assets | 0.0384% | 3,809 |
| Net operating income to assets | 0.6336% | 4,217 |
| Return on assets (ROA) | 0.6336% | 4,322 |
| Pretax return on assets | 0.6336% | 4,824 |
| Return on Equity (ROE) | 4.0097% | 5,109 |
| Retained earnings to average equity (ytd only) | -2.1466% | 6,026 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1268% | 3,186 |
| Assets per employee ($millions) | 5.0920% | 2,203 |
| Cash dividends to net income (ytd only)* | 153.5354% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9841% | 137 |
| Loan loss allowance to noncurrent loans | 381.0000% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3273% | 4,736 |
| Noncurrent loans to loans | 1.0457% | 2,732 |
| Net loans and leases to total assets | 30.0537% | 6,178 |
| Net loans and leases to deposits | 35.9655% | 6,174 |
| Net loans and leases to core deposits | 36.3644% | 6,196 |
| Total domestic deposits to total assets | 83.5625% | 3,895 |
| Equity capital to assets | 16.3524% | 494 |
| Core capital (leverage) ratio | 16.4677% | 418 |
| Tier 1 risk-based capital ratio | 48.9550% | 142 |
| Total risk-based capital ratio | 50.2366% | 141 |
| Memoranda: | ||
| Average total assets | $31,250,400 | 6,228 |
| Average earning assets | $28,862,800 | 6,205 |
| Average equity | $4,938,000 | 5,869 |
| Average total loans | $8,821,400 | 6,346 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9028% | 6,509 |
| Cost of funding earning assets | 0.2601% | 5,300 |
| Net interest margin | 1.6427% | 6,501 |
| Noninterest income to average assets | 0.8486% | 1,705 |
| Noninterest expense to average assets | 1.7820% | 6,115 |
| Loan and lease loss provision to assets | 0.0382% | 3,642 |
| Net operating income to assets | 0.5558% | 4,651 |
| Return on assets (ROA) | 0.5558% | 4,731 |
| Pretax return on assets | 0.5558% | 5,162 |
| Return on Equity (ROE) | 3.5475% | 5,349 |
| Retained earnings to average equity (ytd only) | -4.6849% | 6,242 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8214% | 2,688 |
| Assets per employee ($millions) | 4.9273% | 2,339 |
| Cash dividends to net income (ytd only)* | 232.0623% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9424% | 167 |
| Loan loss allowance to noncurrent loans | 248.6842% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.5141% | 4,341 |
| Noncurrent loans to loans | 1.5853% | 2,052 |
| Net loans and leases to total assets | 31.1528% | 6,218 |
| Net loans and leases to deposits | 37.4771% | 6,206 |
| Net loans and leases to core deposits | 37.9090% | 6,238 |
| Total domestic deposits to total assets | 83.1247% | 4,085 |
| Equity capital to assets | 16.6419% | 475 |
| Core capital (leverage) ratio | 16.0156% | 477 |
| Tier 1 risk-based capital ratio | 49.9949% | 132 |
| Total risk-based capital ratio | 51.2807% | 131 |
| Memoranda: | ||
| Average total assets | $31,425,000 | 6,301 |
| Average earning assets | $29,219,500 | 6,273 |
| Average equity | $4,923,500 | 5,931 |
| Average total loans | $8,636,000 | 6,423 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8403% | 6,583 |
| Cost of funding earning assets | 0.2648% | 5,337 |
| Net interest margin | 1.5754% | 6,575 |
| Noninterest income to average assets | 0.6865% | 2,349 |
| Noninterest expense to average assets | 1.7912% | 6,158 |
| Loan and lease loss provision to assets | 0.0374% | 3,546 |
| Net operating income to assets | 0.3058% | 5,548 |
| Return on assets (ROA) | 0.3058% | 5,620 |
| Pretax return on assets | 0.3058% | 5,771 |
| Return on Equity (ROE) | 1.9900% | 5,837 |
| Retained earnings to average equity (ytd only) | -10.3560% | 6,425 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9181% | 1,527 |
| Assets per employee ($millions) | 5.3452% | 1,834 |
| Cash dividends to net income (ytd only)* | 620.4082% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2931% | 147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 26.0672% | 6,414 |
| Net loans and leases to deposits | 30.7715% | 6,414 |
| Net loans and leases to core deposits | 31.0919% | 6,431 |
| Total domestic deposits to total assets | 84.7120% | 3,632 |
| Equity capital to assets | 15.1258% | 673 |
| Core capital (leverage) ratio | 15.1814% | 575 |
| Tier 1 risk-based capital ratio | 51.0494% | 128 |
| Total risk-based capital ratio | 52.3320% | 128 |
| Memoranda: | ||
| Average total assets | $32,045,330 | 6,350 |
| Average earning assets | $29,452,330 | 6,326 |
| Average equity | $4,924,670 | 5,972 |
| Average total loans | $8,318,670 | 6,496 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7975% | 6,660 |
| Cost of funding earning assets | 0.2568% | 5,522 |
| Net interest margin | 1.5407% | 6,655 |
| Noninterest income to average assets | 0.8242% | 1,655 |
| Noninterest expense to average assets | 1.8356% | 6,169 |
| Loan and lease loss provision to assets | 0.0375% | 3,311 |
| Net operating income to assets | 0.3746% | 5,206 |
| Return on assets (ROA) | 0.3746% | 5,278 |
| Pretax return on assets | 0.3746% | 5,527 |
| Return on Equity (ROE) | 2.4186% | 5,661 |
| Retained earnings to average equity (ytd only) | -22.0901% | 6,551 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6667% | 1,970 |
| Assets per employee ($millions) | 5.3925% | 1,813 |
| Cash dividends to net income (ytd only)* | 1,013.3333% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6781% | 114 |
| Loan loss allowance to noncurrent loans | 953.8462% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 5,888 |
| Noncurrent loans to loans | 0.4904% | 4,685 |
| Net loans and leases to total assets | 23.4276% | 6,516 |
| Net loans and leases to deposits | 27.8738% | 6,511 |
| Net loans and leases to core deposits | 28.1638% | 6,526 |
| Total domestic deposits to total assets | 84.0488% | 4,258 |
| Equity capital to assets | 14.8972% | 697 |
| Core capital (leverage) ratio | 14.7650% | 634 |
| Tier 1 risk-based capital ratio | 54.0995% | 111 |
| Total risk-based capital ratio | 55.3851% | 110 |
| Memoranda: | ||
| Average total assets | $32,032,500 | 6,415 |
| Average earning assets | $29,597,000 | 6,389 |
| Average equity | $4,961,500 | 6,005 |
| Average total loans | $8,110,500 | 6,571 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8592% | 6,722 |
| Cost of funding earning assets | 0.2863% | 5,699 |
| Net interest margin | 1.5730% | 6,713 |
| Noninterest income to average assets | 0.8090% | 2,038 |
| Noninterest expense to average assets | 1.5714% | 6,527 |
| Loan and lease loss provision to assets | 0.0373% | 4,368 |
| Net operating income to assets | 0.6535% | 4,013 |
| Return on assets (ROA) | 0.7935% | 3,420 |
| Pretax return on assets | 0.7935% | 4,167 |
| Return on Equity (ROE) | 5.0829% | 4,581 |
| Retained earnings to average equity (ytd only) | 5.0829% | 2,535 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3260% | 3,953 |
| Assets per employee ($millions) | 5.2850% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4625% | 141 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 24.9133% | 6,592 |
| Net loans and leases to deposits | 29.7238% | 6,588 |
| Net loans and leases to core deposits | 30.0369% | 6,598 |
| Total domestic deposits to total assets | 83.8158% | 4,235 |
| Equity capital to assets | 16.0927% | 512 |
| Core capital (leverage) ratio | 16.1578% | 457 |
| Tier 1 risk-based capital ratio | 53.0224% | 113 |
| Total risk-based capital ratio | 54.3087% | 113 |
| Memoranda: | ||
| Average total assets | $32,136,800 | 6,478 |
| Average earning assets | $29,689,400 | 6,453 |
| Average equity | $5,016,800 | 6,063 |
| Average total loans | $8,301,600 | 6,640 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8610% | 6,807 |
| Cost of funding earning assets | 0.2880% | 5,826 |
| Net interest margin | 1.5729% | 6,800 |
| Noninterest income to average assets | 0.7857% | 2,224 |
| Noninterest expense to average assets | 1.5672% | 6,583 |
| Loan and lease loss provision to assets | 0.0372% | 4,268 |
| Net operating income to assets | 0.6492% | 4,126 |
| Return on assets (ROA) | 0.8353% | 3,290 |
| Pretax return on assets | 0.8353% | 4,162 |
| Return on Equity (ROE) | 5.3917% | 4,520 |
| Retained earnings to average equity (ytd only) | 5.3917% | 2,808 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5413% | 3,826 |
| Assets per employee ($millions) | 5.3092% | 1,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2647% | 198 |
| Loan loss allowance to noncurrent loans | 3,050.0000% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 6,357 |
| Noncurrent loans to loans | 0.1398% | 5,908 |
| Net loans and leases to total assets | 25.7919% | 6,652 |
| Net loans and leases to deposits | 30.7278% | 6,652 |
| Net loans and leases to core deposits | 31.0495% | 6,665 |
| Total domestic deposits to total assets | 83.9366% | 4,212 |
| Equity capital to assets | 15.8405% | 575 |
| Core capital (leverage) ratio | 15.7139% | 533 |
| Tier 1 risk-based capital ratio | 50.9459% | 131 |
| Total risk-based capital ratio | 52.2307% | 129 |
| Memoranda: | ||
| Average total assets | $32,243,500 | 6,553 |
| Average earning assets | $30,091,250 | 6,515 |
| Average equity | $4,995,250 | 6,140 |
| Average total loans | $8,309,750 | 6,713 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8365% | 6,857 |
| Cost of funding earning assets | 0.2907% | 5,896 |
| Net interest margin | 1.5458% | 6,850 |
| Noninterest income to average assets | 0.4510% | 4,155 |
| Noninterest expense to average assets | 1.5260% | 6,656 |
| Loan and lease loss provision to assets | 0.0371% | 4,211 |
| Net operating income to assets | 0.3336% | 5,475 |
| Return on assets (ROA) | 0.3336% | 5,636 |
| Pretax return on assets | 0.3336% | 5,788 |
| Return on Equity (ROE) | 2.1694% | 5,897 |
| Retained earnings to average equity (ytd only) | 2.1694% | 4,894 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4560% | 2,095 |
| Assets per employee ($millions) | 6.4818% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2586% | 210 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 25.1813% | 6,707 |
| Net loans and leases to deposits | 29.8271% | 6,703 |
| Net loans and leases to core deposits | 30.4129% | 6,711 |
| Total domestic deposits to total assets | 84.4241% | 4,157 |
| Equity capital to assets | 15.4155% | 631 |
| Core capital (leverage) ratio | 14.7411% | 661 |
| Tier 1 risk-based capital ratio | 33.1795% | 401 |
| Total risk-based capital ratio | 34.4420% | 393 |
| Memoranda: | ||
| Average total assets | $32,373,000 | 6,594 |
| Average earning assets | $30,275,330 | 6,555 |
| Average equity | $4,978,330 | 6,188 |
| Average total loans | $8,219,000 | 6,763 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8448% | 6,935 |
| Cost of funding earning assets | 0.3053% | 5,929 |
| Net interest margin | 1.5396% | 6,931 |
| Noninterest income to average assets | 0.5687% | 3,316 |
| Noninterest expense to average assets | 1.5577% | 6,695 |
| Loan and lease loss provision to assets | 0.0371% | 3,977 |
| Net operating income to assets | 0.4080% | 5,100 |
| Return on assets (ROA) | 0.4080% | 5,247 |
| Pretax return on assets | 0.4080% | 5,538 |
| Return on Equity (ROE) | 2.6562% | 5,722 |
| Retained earnings to average equity (ytd only) | 2.6562% | 4,691 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7778% | 2,645 |
| Assets per employee ($millions) | 6.8218% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7065% | 169 |
| Loan loss allowance to noncurrent loans | 36,000.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 6,639 |
| Noncurrent loans to loans | 0.0131% | 6,462 |
| Net loans and leases to total assets | 21.3697% | 6,832 |
| Net loans and leases to deposits | 25.0516% | 6,844 |
| Net loans and leases to core deposits | 25.5137% | 6,846 |
| Total domestic deposits to total assets | 85.3030% | 3,900 |
| Equity capital to assets | 14.5768% | 853 |
| Core capital (leverage) ratio | 17.3209% | 327 |
| Tier 1 risk-based capital ratio | 36.3317% | 307 |
| Total risk-based capital ratio | 37.6008% | 298 |
| Memoranda: | ||
| Average total assets | $32,355,000 | 6,657 |
| Average earning assets | $30,138,000 | 6,617 |
| Average equity | $4,969,500 | 6,253 |
| Average total loans | $8,066,500 | 6,843 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9984% | 6,988 |
| Cost of funding earning assets | 0.4236% | 5,763 |
| Net interest margin | 1.5748% | 6,987 |
| Noninterest income to average assets | 0.9219% | 1,795 |
| Noninterest expense to average assets | 1.6051% | 6,801 |
| Loan and lease loss provision to assets | 0.0398% | 5,369 |
| Net operating income to assets | 0.7196% | 3,642 |
| Return on assets (ROA) | 0.7196% | 3,898 |
| Pretax return on assets | 0.7196% | 4,596 |
| Return on Equity (ROE) | 4.4985% | 4,932 |
| Retained earnings to average equity (ytd only) | 0.1037% | 5,783 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8822% | 4,169 |
| Assets per employee ($millions) | 6.1202% | 1,208 |
| Cash dividends to net income (ytd only)* | 97.6959% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2079% | 248 |
| Loan loss allowance to noncurrent loans | 8,925.0000% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 6,648 |
| Noncurrent loans to loans | 0.0471% | 6,386 |
| Net loans and leases to total assets | 26.5580% | 6,797 |
| Net loans and leases to deposits | 31.7486% | 6,792 |
| Net loans and leases to core deposits | 32.0908% | 6,807 |
| Total domestic deposits to total assets | 83.6509% | 4,474 |
| Equity capital to assets | 16.2315% | 513 |
| Core capital (leverage) ratio | 16.2084% | 426 |
| Tier 1 risk-based capital ratio | 39.5193% | 246 |
| Total risk-based capital ratio | 40.7865% | 240 |
| Memoranda: | ||
| Average total assets | $30,153,800 | 6,750 |
| Average earning assets | $27,622,400 | 6,721 |
| Average equity | $4,823,800 | 6,347 |
| Average total loans | $7,824,000 | 6,922 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9690% | 7,105 |
| Cost of funding earning assets | 0.4466% | 5,819 |
| Net interest margin | 1.5224% | 7,107 |
| Noninterest income to average assets | 0.7900% | 2,279 |
| Noninterest expense to average assets | 1.6421% | 6,839 |
| Loan and lease loss provision to assets | 0.0399% | 5,275 |
| Net operating income to assets | 0.5148% | 4,783 |
| Return on assets (ROA) | 0.5148% | 5,042 |
| Pretax return on assets | 0.5148% | 5,419 |
| Return on Equity (ROE) | 3.2302% | 5,600 |
| Retained earnings to average equity (ytd only) | -2.6734% | 6,456 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7475% | 2,869 |
| Assets per employee ($millions) | 5.7730% | 1,399 |
| Cash dividends to net income (ytd only)* | 182.7622% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3720% | 237 |
| Loan loss allowance to noncurrent loans | 5,900.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0208% | 6,719 |
| Noncurrent loans to loans | 0.0741% | 6,433 |
| Net loans and leases to total assets | 26.8249% | 6,903 |
| Net loans and leases to deposits | 32.2921% | 6,906 |
| Net loans and leases to core deposits | 32.6640% | 6,921 |
| Total domestic deposits to total assets | 83.0695% | 4,616 |
| Equity capital to assets | 16.6187% | 513 |
| Core capital (leverage) ratio | 16.5919% | 418 |
| Tier 1 risk-based capital ratio | 41.4216% | 215 |
| Total risk-based capital ratio | 42.6908% | 213 |
| Memoranda: | ||
| Average total assets | $30,042,000 | 6,838 |
| Average earning assets | $27,763,250 | 6,809 |
| Average equity | $4,788,000 | 6,430 |
| Average total loans | $7,659,000 | 7,021 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8770% | 7,186 |
| Cost of funding earning assets | 0.4693% | 5,832 |
| Net interest margin | 1.4078% | 7,185 |
| Noninterest income to average assets | 0.3811% | 4,789 |
| Noninterest expense to average assets | 1.5443% | 6,974 |
| Loan and lease loss provision to assets | 0.0394% | 5,175 |
| Net operating income to assets | 0.0986% | 6,165 |
| Return on assets (ROA) | 0.0986% | 6,315 |
| Pretax return on assets | 0.0986% | 6,331 |
| Return on Equity (ROE) | 0.6270% | 6,366 |
| Retained earnings to average equity (ytd only) | -8.2341% | 6,779 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7969% | 938 |
| Assets per employee ($millions) | 5.7848% | 1,384 |
| Cash dividends to net income (ytd only)* | 1,413.3333% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3706% | 259 |
| Loan loss allowance to noncurrent loans | 2,700.0000% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 6,710 |
| Noncurrent loans to loans | 0.1619% | 6,261 |
| Net loans and leases to total assets | 26.5523% | 6,965 |
| Net loans and leases to deposits | 31.7224% | 6,970 |
| Net loans and leases to core deposits | 32.7687% | 6,977 |
| Total domestic deposits to total assets | 83.7021% | 4,438 |
| Equity capital to assets | 16.0317% | 574 |
| Core capital (leverage) ratio | 15.2136% | 560 |
| Tier 1 risk-based capital ratio | 39.9845% | 227 |
| Total risk-based capital ratio | 41.2531% | 222 |
| Memoranda: | ||
| Average total assets | $30,434,330 | 6,881 |
| Average earning assets | $28,129,330 | 6,848 |
| Average equity | $4,785,000 | 6,453 |
| Average total loans | $7,513,000 | 7,085 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8740% | 7,248 |
| Cost of funding earning assets | 0.4827% | 5,925 |
| Net interest margin | 1.3913% | 7,249 |
| Noninterest income to average assets | 0.6156% | 3,133 |
| Noninterest expense to average assets | 1.6159% | 6,962 |
| Loan and lease loss provision to assets | 0.0385% | 4,905 |
| Net operating income to assets | 0.2180% | 5,929 |
| Return on assets (ROA) | 0.2180% | 6,072 |
| Pretax return on assets | 0.2180% | 6,163 |
| Return on Equity (ROE) | 1.3995% | 6,256 |
| Retained earnings to average equity (ytd only) | 1.3995% | 5,538 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3014% | 1,451 |
| Assets per employee ($millions) | 6.3910% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8815% | 193 |
| Loan loss allowance to noncurrent loans | 34,800.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 6,943 |
| Noncurrent loans to loans | 0.0140% | 6,751 |
| Net loans and leases to total assets | 21.2205% | 7,125 |
| Net loans and leases to deposits | 25.1027% | 7,134 |
| Net loans and leases to core deposits | 25.8422% | 7,131 |
| Total domestic deposits to total assets | 84.5345% | 4,253 |
| Equity capital to assets | 15.2214% | 707 |
| Core capital (leverage) ratio | 15.4417% | 540 |
| Tier 1 risk-based capital ratio | 54.6387% | 110 |
| Total risk-based capital ratio | 55.9238% | 110 |
| Memoranda: | ||
| Average total assets | $31,189,500 | 6,918 |
| Average earning assets | $28,175,000 | 6,900 |
| Average equity | $4,859,000 | 6,469 |
| Average total loans | $7,254,000 | 7,154 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0191% | 7,283 |
| Cost of funding earning assets | 0.6093% | 6,051 |
| Net interest margin | 1.4098% | 7,293 |
| Noninterest income to average assets | 0.9072% | 1,650 |
| Noninterest expense to average assets | 1.6123% | 7,111 |
| Loan and lease loss provision to assets | 0.0397% | 6,074 |
| Net operating income to assets | 0.5728% | 4,132 |
| Return on assets (ROA) | 0.5728% | 4,318 |
| Pretax return on assets | 0.5728% | 4,773 |
| Return on Equity (ROE) | 3.5473% | 5,051 |
| Retained earnings to average equity (ytd only) | -2.6861% | 6,236 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4702% | 3,484 |
| Assets per employee ($millions) | 6.0848% | 1,170 |
| Cash dividends to net income (ytd only)* | 175.7225% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6754% | 220 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 23.1199% | 7,169 |
| Net loans and leases to deposits | 27.5897% | 7,174 |
| Net loans and leases to core deposits | 28.1653% | 7,177 |
| Total domestic deposits to total assets | 83.7990% | 4,414 |
| Equity capital to assets | 15.9545% | 583 |
| Core capital (leverage) ratio | 16.4157% | 422 |
| Tier 1 risk-based capital ratio | 50.5919% | 130 |
| Total risk-based capital ratio | 51.8701% | 128 |
| Memoranda: | ||
| Average total assets | $30,204,400 | 6,966 |
| Average earning assets | $28,231,000 | 6,913 |
| Average equity | $4,877,000 | 6,482 |
| Average total loans | $7,017,400 | 7,209 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0307% | 7,363 |
| Cost of funding earning assets | 0.6198% | 6,187 |
| Net interest margin | 1.4108% | 7,371 |
| Noninterest income to average assets | 0.9021% | 1,640 |
| Noninterest expense to average assets | 1.6495% | 7,141 |
| Loan and lease loss provision to assets | 0.0398% | 5,946 |
| Net operating income to assets | 0.5616% | 4,264 |
| Return on assets (ROA) | 0.5616% | 4,434 |
| Pretax return on assets | 0.5616% | 4,928 |
| Return on Equity (ROE) | 3.4679% | 5,238 |
| Retained earnings to average equity (ytd only) | -4.8331% | 6,586 |
| Net charge-offs to loans | -0.0192% | 6,903 |
| Credit loss provision to net charge-offs | -900.0000% | 6,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2809% | 3,318 |
| Assets per employee ($millions) | 5.7712% | 1,378 |
| Cash dividends to net income (ytd only)* | 239.3669% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5322% | 256 |
| Loan loss allowance to noncurrent loans | 17,100.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 7,058 |
| Noncurrent loans to loans | 0.0265% | 6,876 |
| Net loans and leases to total assets | 24.9653% | 7,209 |
| Net loans and leases to deposits | 30.1284% | 7,219 |
| Net loans and leases to core deposits | 30.7995% | 7,221 |
| Total domestic deposits to total assets | 82.8632% | 4,734 |
| Equity capital to assets | 16.6932% | 516 |
| Core capital (leverage) ratio | 16.0795% | 492 |
| Tier 1 risk-based capital ratio | 52.6009% | 139 |
| Total risk-based capital ratio | 53.8766% | 135 |
| Memoranda: | ||
| Average total assets | $30,149,500 | 7,036 |
| Average earning assets | $28,824,250 | 6,971 |
| Average equity | $4,882,750 | 6,532 |
| Average total loans | $6,927,000 | 7,285 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9875% | 7,448 |
| Cost of funding earning assets | 0.6237% | 6,345 |
| Net interest margin | 1.3638% | 7,453 |
| Noninterest income to average assets | 0.3532% | 5,063 |
| Noninterest expense to average assets | 1.5631% | 7,273 |
| Loan and lease loss provision to assets | 0.0392% | 5,821 |
| Net operating income to assets | 0.0523% | 6,114 |
| Return on assets (ROA) | 0.0523% | 6,195 |
| Pretax return on assets | 0.0523% | 6,181 |
| Return on Equity (ROE) | 0.3262% | 6,239 |
| Retained earnings to average equity (ytd only) | -12.0701% | 6,939 |
| Net charge-offs to loans | -0.0298% | 6,919 |
| Credit loss provision to net charge-offs | -600.0000% | 6,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4664% | 949 |
| Assets per employee ($millions) | 4.9948% | 2,128 |
| Cash dividends to net income (ytd only)* | 3,800.0000% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7155% | 231 |
| Loan loss allowance to noncurrent loans | 16,950.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 7,115 |
| Noncurrent loans to loans | 0.0278% | 6,920 |
| Net loans and leases to total assets | 22.8570% | 7,334 |
| Net loans and leases to deposits | 27.2030% | 7,339 |
| Net loans and leases to core deposits | 27.7857% | 7,347 |
| Total domestic deposits to total assets | 84.0235% | 4,342 |
| Equity capital to assets | 15.6428% | 670 |
| Core capital (leverage) ratio | 15.2968% | 619 |
| Tier 1 risk-based capital ratio | 54.6136% | 132 |
| Total risk-based capital ratio | 55.9016% | 128 |
| Memoranda: | ||
| Average total assets | $30,580,670 | 7,091 |
| Average earning assets | $29,183,000 | 7,025 |
| Average equity | $4,904,670 | 6,565 |
| Average total loans | $6,720,670 | 7,364 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0234% | 7,507 |
| Cost of funding earning assets | 0.6607% | 6,344 |
| Net interest margin | 1.3627% | 7,515 |
| Noninterest income to average assets | 0.5828% | 3,288 |
| Noninterest expense to average assets | 1.5541% | 7,337 |
| Loan and lease loss provision to assets | 0.0389% | 5,510 |
| Net operating income to assets | 0.2720% | 5,533 |
| Return on assets (ROA) | 0.2720% | 5,592 |
| Pretax return on assets | 0.2720% | 5,741 |
| Return on Equity (ROE) | 1.6756% | 5,919 |
| Retained earnings to average equity (ytd only) | 1.6756% | 5,115 |
| Net charge-offs to loans | -0.0617% | 6,953 |
| Credit loss provision to net charge-offs | -300.0000% | 5,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3333% | 2,040 |
| Assets per employee ($millions) | 5.2398% | 1,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3726% | 150 |
| Loan loss allowance to noncurrent loans | 11,200.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 7,171 |
| Noncurrent loans to loans | 0.0480% | 6,929 |
| Net loans and leases to total assets | 18.8238% | 7,443 |
| Net loans and leases to deposits | 22.4754% | 7,449 |
| Net loans and leases to core deposits | 23.2965% | 7,447 |
| Total domestic deposits to total assets | 83.7527% | 4,595 |
| Equity capital to assets | 15.9515% | 582 |
| Core capital (leverage) ratio | 18.6879% | 288 |
| Tier 1 risk-based capital ratio | 61.4531% | 103 |
| Total risk-based capital ratio | 62.7359% | 99 |
| Memoranda: | ||
| Average total assets | $30,886,500 | 7,130 |
| Average earning assets | $29,060,500 | 7,078 |
| Average equity | $5,013,000 | 6,555 |
| Average total loans | $6,486,500 | 7,430 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3836% | 7,547 |
| Cost of funding earning assets | 0.8443% | 6,383 |
| Net interest margin | 1.5393% | 7,546 |
| Noninterest income to average assets | 0.8495% | 2,057 |
| Noninterest expense to average assets | 1.5973% | 7,407 |
| Loan and lease loss provision to assets | 0.0394% | 6,764 |
| Net operating income to assets | 0.6658% | 3,365 |
| Return on assets (ROA) | 0.6658% | 3,507 |
| Pretax return on assets | 0.6658% | 4,105 |
| Return on Equity (ROE) | 4.0265% | 4,509 |
| Retained earnings to average equity (ytd only) | -3.1934% | 6,115 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3732% | 4,303 |
| Assets per employee ($millions) | 5.0557% | 2,075 |
| Cash dividends to net income (ytd only)* | 179.3103% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9412% | 199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 21.0556% | 7,508 |
| Net loans and leases to deposits | 25.3121% | 7,519 |
| Net loans and leases to core deposits | 25.8939% | 7,512 |
| Total domestic deposits to total assets | 83.1839% | 4,716 |
| Equity capital to assets | 16.5194% | 509 |
| Core capital (leverage) ratio | 16.5515% | 444 |
| Tier 1 risk-based capital ratio | 55.3769% | 119 |
| Total risk-based capital ratio | 56.6611% | 119 |
| Memoranda: | ||
| Average total assets | $30,489,400 | 7,192 |
| Average earning assets | $28,779,600 | 7,133 |
| Average equity | $5,041,600 | 6,653 |
| Average total loans | $6,515,600 | 7,512 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4408% | 7,672 |
| Cost of funding earning assets | 0.8779% | 6,481 |
| Net interest margin | 1.5628% | 7,665 |
| Noninterest income to average assets | 0.3843% | 5,079 |
| Noninterest expense to average assets | 1.6290% | 7,487 |
| Loan and lease loss provision to assets | 0.0393% | 6,690 |
| Net operating income to assets | 0.2009% | 5,510 |
| Return on assets (ROA) | 0.2009% | 5,667 |
| Pretax return on assets | 0.2009% | 5,732 |
| Return on Equity (ROE) | 1.2146% | 5,844 |
| Retained earnings to average equity (ytd only) | -8.3971% | 6,796 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1495% | 1,519 |
| Assets per employee ($millions) | 4.9233% | 2,285 |
| Cash dividends to net income (ytd only)* | 791.3256% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9156% | 186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 21.5437% | 7,602 |
| Net loans and leases to deposits | 25.9766% | 7,617 |
| Net loans and leases to core deposits | 26.9307% | 7,611 |
| Total domestic deposits to total assets | 82.9350% | 4,619 |
| Equity capital to assets | 16.5098% | 588 |
| Core capital (leverage) ratio | 15.7305% | 603 |
| Tier 1 risk-based capital ratio | 51.9468% | 147 |
| Total risk-based capital ratio | 53.2230% | 146 |
| Memoranda: | ||
| Average total assets | $30,528,250 | 7,269 |
| Average earning assets | $29,006,250 | 7,210 |
| Average equity | $5,049,250 | 6,735 |
| Average total loans | $6,464,750 | 7,610 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4636% | 7,750 |
| Cost of funding earning assets | 0.9001% | 6,579 |
| Net interest margin | 1.5634% | 7,733 |
| Noninterest income to average assets | 0.5185% | 3,967 |
| Noninterest expense to average assets | 1.5620% | 7,588 |
| Loan and lease loss provision to assets | 0.0389% | 6,570 |
| Net operating income to assets | 0.4148% | 4,690 |
| Return on assets (ROA) | 0.4148% | 4,844 |
| Pretax return on assets | 0.4148% | 5,178 |
| Return on Equity (ROE) | 2.5065% | 5,459 |
| Retained earnings to average equity (ytd only) | -11.7493% | 6,990 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4920% | 2,813 |
| Assets per employee ($millions) | 5.1148% | 2,027 |
| Cash dividends to net income (ytd only)* | 568.7500% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9030% | 181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 20.6035% | 7,681 |
| Net loans and leases to deposits | 24.6405% | 7,700 |
| Net loans and leases to core deposits | 25.9246% | 7,692 |
| Total domestic deposits to total assets | 83.6163% | 4,285 |
| Equity capital to assets | 15.9145% | 684 |
| Core capital (leverage) ratio | 15.5054% | 634 |
| Tier 1 risk-based capital ratio | 55.0605% | 132 |
| Total risk-based capital ratio | 56.3400% | 131 |
| Memoranda: | ||
| Average total assets | $30,857,670 | 7,314 |
| Average earning assets | $29,550,670 | 7,243 |
| Average equity | $5,106,670 | 6,746 |
| Average total loans | $6,388,670 | 7,680 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4132% | 7,858 |
| Cost of funding earning assets | 0.9490% | 6,584 |
| Net interest margin | 1.4642% | 7,836 |
| Noninterest income to average assets | 0.4912% | 4,115 |
| Noninterest expense to average assets | 1.6159% | 7,645 |
| Loan and lease loss provision to assets | 0.0388% | 6,288 |
| Net operating income to assets | 0.2327% | 5,567 |
| Return on assets (ROA) | 0.2327% | 5,682 |
| Pretax return on assets | 0.2327% | 5,788 |
| Return on Equity (ROE) | 1.3798% | 6,003 |
| Retained earnings to average equity (ytd only) | 1.3798% | 5,252 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6164% | 1,838 |
| Assets per employee ($millions) | 5.2208% | 1,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3968% | 133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 18.0750% | 7,806 |
| Net loans and leases to deposits | 21.7937% | 7,818 |
| Net loans and leases to core deposits | 22.9147% | 7,808 |
| Total domestic deposits to total assets | 82.9370% | 4,657 |
| Equity capital to assets | 16.6161% | 580 |
| Core capital (leverage) ratio | 16.4892% | 508 |
| Tier 1 risk-based capital ratio | 59.1825% | 114 |
| Total risk-based capital ratio | 60.4606% | 112 |
| Memoranda: | ||
| Average total assets | $30,942,000 | 7,409 |
| Average earning assets | $29,504,000 | 7,339 |
| Average equity | $5,218,000 | 6,777 |
| Average total loans | $6,258,500 | 7,783 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9647% | 7,884 |
| Cost of funding earning assets | 1.2179% | 6,595 |
| Net interest margin | 1.7468% | 7,819 |
| Noninterest income to average assets | 1.0066% | 1,549 |
| Noninterest expense to average assets | 1.6933% | 7,707 |
| Loan and lease loss provision to assets | 0.0404% | 7,144 |
| Net operating income to assets | 0.9628% | 1,976 |
| Return on assets (ROA) | 1.1446% | 1,425 |
| Pretax return on assets | 1.1446% | 2,113 |
| Return on Equity (ROE) | 6.5375% | 2,974 |
| Retained earnings to average equity (ytd only) | -0.4615% | 5,088 |
| Net charge-offs to loans | 0.0305% | 6,821 |
| Credit loss provision to net charge-offs | 600.0000% | 493 |
| Earnings coverage of net charge-offs (x) | 149.0000% | 197 |
| Efficiency ratio | 62.7965% | 5,998 |
| Assets per employee ($millions) | 5.0932% | 2,095 |
| Cash dividends to net income (ytd only)* | 107.0588% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8990% | 185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 20.3279% | 7,864 |
| Net loans and leases to deposits | 24.6723% | 7,873 |
| Net loans and leases to core deposits | 29.7026% | 7,865 |
| Total domestic deposits to total assets | 82.3914% | 4,777 |
| Equity capital to assets | 17.1177% | 542 |
| Core capital (leverage) ratio | 17.1863% | 472 |
| Tier 1 risk-based capital ratio | 63.0122% | 102 |
| Total risk-based capital ratio | 64.2919% | 101 |
| Memoranda: | ||
| Average total assets | $29,705,000 | 7,480 |
| Average earning assets | $28,738,200 | 7,405 |
| Average equity | $5,200,800 | 6,872 |
| Average total loans | $6,567,400 | 7,843 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0333% | 7,979 |
| Cost of funding earning assets | 1.2534% | 6,703 |
| Net interest margin | 1.7799% | 7,888 |
| Noninterest income to average assets | 1.0805% | 1,360 |
| Noninterest expense to average assets | 1.7180% | 7,743 |
| Loan and lease loss provision to assets | 0.0407% | 6,960 |
| Net operating income to assets | 1.0489% | 1,906 |
| Return on assets (ROA) | 1.0489% | 1,968 |
| Pretax return on assets | 1.0489% | 2,745 |
| Return on Equity (ROE) | 5.9564% | 3,547 |
| Retained earnings to average equity (ytd only) | -3.3890% | 6,008 |
| Net charge-offs to loans | 0.0406% | 6,336 |
| Credit loss provision to net charge-offs | 450.0000% | 877 |
| Earnings coverage of net charge-offs (x) | 120.3483% | 311 |
| Efficiency ratio | 61.1916% | 6,242 |
| Assets per employee ($millions) | 4.9147% | 2,253 |
| Cash dividends to net income (ytd only)* | 156.8939% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6907% | 174 |
| Loan loss allowance to noncurrent loans | 15,850.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 7,583 |
| Noncurrent loans to loans | 0.0296% | 7,445 |
| Net loans and leases to total assets | 21.8428% | 7,936 |
| Net loans and leases to deposits | 26.7550% | 7,939 |
| Net loans and leases to core deposits | 32.3278% | 7,938 |
| Total domestic deposits to total assets | 81.6400% | 4,824 |
| Equity capital to assets | 17.5936% | 553 |
| Core capital (leverage) ratio | 16.8086% | 579 |
| Tier 1 risk-based capital ratio | 59.6076% | 120 |
| Total risk-based capital ratio | 60.8918% | 117 |
| Memoranda: | ||
| Average total assets | $29,491,500 | 7,559 |
| Average earning assets | $28,614,750 | 7,477 |
| Average equity | $5,193,250 | 6,938 |
| Average total loans | $6,576,250 | 7,918 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2211% | 8,058 |
| Cost of funding earning assets | 1.2885% | 6,844 |
| Net interest margin | 1.9327% | 7,896 |
| Noninterest income to average assets | 0.7934% | 2,444 |
| Noninterest expense to average assets | 1.6750% | 7,859 |
| Loan and lease loss provision to assets | 0.0407% | 6,828 |
| Net operating income to assets | 0.9494% | 2,281 |
| Return on assets (ROA) | 0.9494% | 2,378 |
| Pretax return on assets | 0.9494% | 3,177 |
| Return on Equity (ROE) | 5.3898% | 3,911 |
| Retained earnings to average equity (ytd only) | -8.6237% | 6,733 |
| Net charge-offs to loans | 0.0614% | 5,638 |
| Credit loss provision to net charge-offs | 300.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 517 |
| Efficiency ratio | 62.8499% | 6,112 |
| Assets per employee ($millions) | 5.0223% | 2,049 |
| Cash dividends to net income (ytd only)* | 260.0000% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9865% | 128 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 19.8546% | 8,036 |
| Net loans and leases to deposits | 24.0832% | 8,050 |
| Net loans and leases to core deposits | 27.7093% | 8,045 |
| Total domestic deposits to total assets | 82.4418% | 4,506 |
| Equity capital to assets | 16.9012% | 679 |
| Core capital (leverage) ratio | 16.6272% | 661 |
| Tier 1 risk-based capital ratio | 61.5125% | 131 |
| Total risk-based capital ratio | 62.8000% | 129 |
| Memoranda: | ||
| Average total assets | $29,492,670 | 7,623 |
| Average earning assets | $28,561,330 | 7,545 |
| Average equity | $5,195,000 | 6,996 |
| Average total loans | $6,515,670 | 8,007 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6154% | 8,082 |
| Cost of funding earning assets | 1.3718% | 6,809 |
| Net interest margin | 2.2435% | 7,764 |
| Noninterest income to average assets | 0.0548% | 7,806 |
| Noninterest expense to average assets | 1.7551% | 7,757 |
| Loan and lease loss provision to assets | 0.0411% | 6,453 |
| Net operating income to assets | 0.4114% | 4,815 |
| Return on assets (ROA) | 0.4114% | 4,993 |
| Pretax return on assets | 0.4114% | 5,362 |
| Return on Equity (ROE) | 2.2875% | 5,670 |
| Retained earnings to average equity (ytd only) | -25.4670% | 7,777 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5031% | 2,910 |
| Assets per employee ($millions) | 5.0032% | 2,070 |
| Cash dividends to net income (ytd only)* | 1,213.3333% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9684% | 111 |
| Loan loss allowance to noncurrent loans | 15,700.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 7,626 |
| Noncurrent loans to loans | 0.0316% | 7,461 |
| Net loans and leases to total assets | 20.0073% | 8,082 |
| Net loans and leases to deposits | 24.1856% | 8,101 |
| Net loans and leases to core deposits | 27.8249% | 8,099 |
| Total domestic deposits to total assets | 82.7243% | 4,276 |
| Equity capital to assets | 16.7161% | 761 |
| Core capital (leverage) ratio | 16.4749% | 718 |
| Tier 1 risk-based capital ratio | 51.9495% | 186 |
| Total risk-based capital ratio | 53.2239% | 185 |
| Memoranda: | ||
| Average total assets | $29,172,000 | 7,679 |
| Average earning assets | $27,991,500 | 7,611 |
| Average equity | $5,246,000 | 7,040 |
| Average total loans | $6,625,000 | 8,054 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4067% | 8,048 |
| Cost of funding earning assets | 1.9781% | 6,481 |
| Net interest margin | 2.4286% | 7,824 |
| Noninterest income to average assets | 1.3679% | 772 |
| Noninterest expense to average assets | 1.7655% | 7,790 |
| Loan and lease loss provision to assets | 0.0438% | 6,868 |
| Net operating income to assets | 1.8785% | 456 |
| Return on assets (ROA) | 1.8785% | 442 |
| Pretax return on assets | 1.8785% | 801 |
| Return on Equity (ROE) | 10.3297% | 2,148 |
| Retained earnings to average equity (ytd only) | 5.4557% | 1,781 |
| Net charge-offs to loans | -0.2157% | 8,174 |
| Credit loss provision to net charge-offs | -85.7143% | 7,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8734% | 7,820 |
| Assets per employee ($millions) | 4.7208% | 2,299 |
| Cash dividends to net income (ytd only)* | 47.1845% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4877% | 134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 23.3680% | 8,115 |
| Net loans and leases to deposits | 29.2165% | 8,123 |
| Net loans and leases to core deposits | 32.6429% | 8,133 |
| Total domestic deposits to total assets | 79.9823% | 5,029 |
| Equity capital to assets | 19.3257% | 519 |
| Core capital (leverage) ratio | 18.7536% | 532 |
| Tier 1 risk-based capital ratio | 48.9996% | 227 |
| Total risk-based capital ratio | 50.2668% | 222 |
| Memoranda: | ||
| Average total assets | $27,415,000 | 7,752 |
| Average earning assets | $26,187,400 | 7,685 |
| Average equity | $4,985,600 | 7,149 |
| Average total loans | $6,489,400 | 8,105 |