Home > Sidney State Bank > Performance and Condition Ratios
Sidney State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9367% | 2,202 |
| Cost of funding earning assets | 0.9965% | 3,305 |
| Net interest margin | 3.9402% | 1,291 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.9510% | 1,190 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.9336% | 2,431 |
| Return on assets (ROA) | 0.9336% | 2,408 |
| Pretax return on assets | 1.1749% | 2,203 |
| Return on Equity (ROE) | 12.4800% | 1,843 |
| Retained earnings to average equity (ytd only) | 7.1767% | 1,840 |
| Net charge-offs to loans | -0.0056% | 3,856 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.0347% | 1,870 |
| Assets per employee ($millions) | 5.3040% | 3,393 |
| Cash dividends to net income (ytd only)* | 42.4717% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3651% | 1,529 |
| Loan loss allowance to noncurrent loans | 900.7353% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 2,179 |
| Noncurrent loans to loans | 0.1516% | 2,757 |
| Net loans and leases to total assets | 69.5300% | 1,864 |
| Net loans and leases to deposits | 76.6942% | 2,380 |
| Net loans and leases to core deposits | 81.4953% | 2,622 |
| Total domestic deposits to total assets | 90.6600% | 588 |
| Equity capital to assets | 7.6280% | 3,642 |
| Core capital (leverage) ratio | 8.3051% | 4,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3053% | 1,441 |
| Memoranda: | ||
| Average total assets | $123,076,600 | 3,619 |
| Average earning assets | $118,114,800 | 3,563 |
| Average equity | $9,210,400 | 3,799 |
| Average total loans | $88,790,200 | 3,306 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8722% | 2,119 |
| Cost of funding earning assets | 0.9050% | 3,259 |
| Net interest margin | 3.9672% | 1,271 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.9568% | 1,127 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.9703% | 2,449 |
| Return on assets (ROA) | 0.9703% | 2,442 |
| Pretax return on assets | 1.2205% | 2,247 |
| Return on Equity (ROE) | 13.0300% | 1,890 |
| Retained earnings to average equity (ytd only) | 8.7170% | 1,763 |
| Net charge-offs to loans | -0.0045% | 3,721 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.3668% | 1,858 |
| Assets per employee ($millions) | 4.5060% | 3,939 |
| Cash dividends to net income (ytd only)* | 33.1081% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3349% | 1,716 |
| Loan loss allowance to noncurrent loans | 2,209.2593% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 2,479 |
| Noncurrent loans to loans | 0.0604% | 3,321 |
| Net loans and leases to total assets | 72.4800% | 1,518 |
| Net loans and leases to deposits | 80.0183% | 2,049 |
| Net loans and leases to core deposits | 85.0760% | 2,252 |
| Total domestic deposits to total assets | 90.5800% | 780 |
| Equity capital to assets | 7.7592% | 3,205 |
| Core capital (leverage) ratio | 8.3881% | 4,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5684% | 1,414 |
| Memoranda: | ||
| Average total assets | $122,022,000 | 3,642 |
| Average earning assets | $117,123,500 | 3,587 |
| Average equity | $9,085,500 | 3,815 |
| Average total loans | $88,553,500 | 3,308 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6994% | 2,208 |
| Cost of funding earning assets | 0.7903% | 3,236 |
| Net interest margin | 3.9091% | 1,411 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.8491% | 1,329 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.0103% | 2,386 |
| Return on assets (ROA) | 1.0103% | 2,383 |
| Pretax return on assets | 1.2690% | 2,168 |
| Return on Equity (ROE) | 13.7600% | 1,732 |
| Retained earnings to average equity (ytd only) | 8.3191% | 1,868 |
| Net charge-offs to loans | -0.0159% | 4,060 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.8892% | 1,997 |
| Assets per employee ($millions) | 4.7348% | 3,801 |
| Cash dividends to net income (ytd only)* | 39.5462% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 1,885 |
| Loan loss allowance to noncurrent loans | 4,322.2222% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 2,585 |
| Noncurrent loans to loans | 0.0303% | 3,529 |
| Net loans and leases to total assets | 71.3600% | 1,600 |
| Net loans and leases to deposits | 78.3884% | 2,101 |
| Net loans and leases to core deposits | 83.6288% | 2,229 |
| Total domestic deposits to total assets | 91.0300% | 640 |
| Equity capital to assets | 7.4457% | 3,555 |
| Core capital (leverage) ratio | 8.1602% | 4,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0703% | 1,556 |
| Memoranda: | ||
| Average total assets | $122,142,000 | 3,656 |
| Average earning assets | $117,419,000 | 3,598 |
| Average equity | $8,967,333 | 3,850 |
| Average total loans | $88,281,333 | 3,316 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4938% | 2,332 |
| Cost of funding earning assets | 0.6449% | 3,241 |
| Net interest margin | 3.8489% | 1,581 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.7256% | 1,604 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.9995% | 2,523 |
| Return on assets (ROA) | 0.9995% | 2,494 |
| Pretax return on assets | 1.2559% | 2,284 |
| Return on Equity (ROE) | 13.7100% | 1,831 |
| Retained earnings to average equity (ytd only) | 11.4569% | 1,366 |
| Net charge-offs to loans | -0.0227% | 4,137 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.1255% | 2,076 |
| Assets per employee ($millions) | 5.1299% | 3,551 |
| Cash dividends to net income (ytd only)* | 16.4474% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 2,082 |
| Loan loss allowance to noncurrent loans | 4,075.0000% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.1389% | 2,537 |
| Noncurrent loans to loans | 0.0317% | 3,533 |
| Net loans and leases to total assets | 70.9300% | 1,532 |
| Net loans and leases to deposits | 78.2034% | 1,947 |
| Net loans and leases to core deposits | 82.0184% | 2,112 |
| Total domestic deposits to total assets | 90.7000% | 911 |
| Equity capital to assets | 7.3540% | 3,645 |
| Core capital (leverage) ratio | 8.1136% | 4,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0719% | 1,604 |
| Memoranda: | ||
| Average total assets | $121,661,000 | 3,707 |
| Average earning assets | $117,228,000 | 3,642 |
| Average equity | $8,868,000 | 3,908 |
| Average total loans | $87,917,500 | 3,356 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0556% | 1,570 |
| Cost of funding earning assets | 0.3740% | 2,301 |
| Net interest margin | 3.6816% | 1,418 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.4857% | 2,165 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.0786% | 2,267 |
| Return on assets (ROA) | 1.0786% | 2,210 |
| Pretax return on assets | 1.3579% | 1,912 |
| Return on Equity (ROE) | 15.2700% | 1,189 |
| Retained earnings to average equity (ytd only) | 10.7139% | 957 |
| Net charge-offs to loans | -0.0495% | 4,348 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.6228% | 2,552 |
| Assets per employee ($millions) | 5.0085% | 3,671 |
| Cash dividends to net income (ytd only)* | 29.8300% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 2,491 |
| Loan loss allowance to noncurrent loans | 1,041.4141% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.2363% | 1,966 |
| Noncurrent loans to loans | 0.1133% | 2,959 |
| Net loans and leases to total assets | 71.8300% | 1,436 |
| Net loans and leases to deposits | 78.6815% | 1,881 |
| Net loans and leases to core deposits | 81.1928% | 2,056 |
| Total domestic deposits to total assets | 91.2900% | 845 |
| Equity capital to assets | 7.2227% | 3,540 |
| Core capital (leverage) ratio | 7.9949% | 4,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8302% | 1,682 |
| Memoranda: | ||
| Average total assets | $119,967,600 | 3,731 |
| Average earning assets | $116,038,000 | 3,668 |
| Average equity | $8,475,000 | 4,052 |
| Average total loans | $82,873,600 | 3,372 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9269% | 1,417 |
| Cost of funding earning assets | 0.3478% | 1,725 |
| Net interest margin | 3.5791% | 1,444 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.4529% | 2,153 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.0363% | 2,336 |
| Return on assets (ROA) | 1.0363% | 2,305 |
| Pretax return on assets | 1.3010% | 2,042 |
| Return on Equity (ROE) | 14.7500% | 1,231 |
| Retained earnings to average equity (ytd only) | 11.4601% | 928 |
| Net charge-offs to loans | -0.0799% | 4,428 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.3149% | 2,503 |
| Assets per employee ($millions) | 5.2130% | 3,489 |
| Cash dividends to net income (ytd only)* | 22.3176% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 2,593 |
| Loan loss allowance to noncurrent loans | 405.1793% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 1,746 |
| Noncurrent loans to loans | 0.2932% | 2,194 |
| Net loans and leases to total assets | 70.5500% | 1,434 |
| Net loans and leases to deposits | 76.6857% | 1,820 |
| Net loans and leases to core deposits | 79.1497% | 1,962 |
| Total domestic deposits to total assets | 92.0000% | 874 |
| Equity capital to assets | 7.0325% | 3,501 |
| Core capital (leverage) ratio | 7.8057% | 4,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7568% | 1,786 |
| Memoranda: | ||
| Average total assets | $119,908,250 | 3,755 |
| Average earning assets | $116,151,750 | 3,699 |
| Average equity | $8,423,250 | 4,103 |
| Average total loans | $81,749,750 | 3,403 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7983% | 1,322 |
| Cost of funding earning assets | 0.3585% | 1,200 |
| Net interest margin | 3.4398% | 1,481 |
| Noninterest income to average assets | 0.3403% | 3,118 |
| Noninterest expense to average assets | 2.3951% | 2,239 |
| Loan and lease loss provision to assets | 0.0600% | 1,519 |
| Net operating income to assets | 0.9707% | 2,258 |
| Return on assets (ROA) | 0.9707% | 2,236 |
| Pretax return on assets | 1.2142% | 2,028 |
| Return on Equity (ROE) | 13.8237% | 1,159 |
| Retained earnings to average equity (ytd only) | 9.7146% | 1,097 |
| Net charge-offs to loans | -0.1119% | 4,476 |
| Credit loss provision to net charge-offs | -80.0000% | 3,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2727% | 2,610 |
| Assets per employee ($millions) | 5.2189% | 3,499 |
| Cash dividends to net income (ytd only)* | 29.7251% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,681 |
| Loan loss allowance to noncurrent loans | 2,117.0213% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.1300% | 2,803 |
| Noncurrent loans to loans | 0.0567% | 3,531 |
| Net loans and leases to total assets | 68.2718% | 1,460 |
| Net loans and leases to deposits | 74.4641% | 1,811 |
| Net loans and leases to core deposits | 76.4573% | 1,977 |
| Total domestic deposits to total assets | 91.6841% | 971 |
| Equity capital to assets | 6.9721% | 3,787 |
| Core capital (leverage) ratio | 7.5267% | 4,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7038% | 1,801 |
| Memoranda: | ||
| Average total assets | $119,911,000 | 3,800 |
| Average earning assets | $116,053,000 | 3,749 |
| Average equity | $8,420,333 | 4,158 |
| Average total loans | $80,463,333 | 3,450 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6319% | 1,422 |
| Cost of funding earning assets | 0.3467% | 1,238 |
| Net interest margin | 3.2852% | 1,603 |
| Noninterest income to average assets | 0.3332% | 3,102 |
| Noninterest expense to average assets | 2.4356% | 2,055 |
| Loan and lease loss provision to assets | 0.0600% | 1,332 |
| Net operating income to assets | 0.8230% | 2,582 |
| Return on assets (ROA) | 0.8230% | 2,577 |
| Pretax return on assets | 1.0262% | 2,364 |
| Return on Equity (ROE) | 11.4737% | 1,469 |
| Retained earnings to average equity (ytd only) | 11.4737% | 689 |
| Net charge-offs to loans | -0.2121% | 4,612 |
| Credit loss provision to net charge-offs | -42.8571% | 2,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1580% | 2,356 |
| Assets per employee ($millions) | 5.3585% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 2,756 |
| Loan loss allowance to noncurrent loans | 1,909.8039% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 2,893 |
| Noncurrent loans to loans | 0.0639% | 3,533 |
| Net loans and leases to total assets | 63.9645% | 1,625 |
| Net loans and leases to deposits | 71.4209% | 1,827 |
| Net loans and leases to core deposits | 73.4916% | 1,978 |
| Total domestic deposits to total assets | 89.5598% | 1,785 |
| Equity capital to assets | 7.0599% | 4,184 |
| Core capital (leverage) ratio | 7.3983% | 4,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9060% | 1,833 |
| Memoranda: | ||
| Average total assets | $120,052,000 | 3,819 |
| Average earning assets | $116,521,500 | 3,763 |
| Average equity | $8,611,000 | 4,196 |
| Average total loans | $79,222,500 | 3,470 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9813% | 1,403 |
| Cost of funding earning assets | 0.4599% | 1,131 |
| Net interest margin | 3.5214% | 1,674 |
| Noninterest income to average assets | 0.3383% | 3,389 |
| Noninterest expense to average assets | 2.6913% | 1,657 |
| Loan and lease loss provision to assets | 0.0669% | 1,734 |
| Net operating income to assets | 0.7750% | 3,409 |
| Return on assets (ROA) | 0.7750% | 3,474 |
| Pretax return on assets | 0.9674% | 3,342 |
| Return on Equity (ROE) | 10.1769% | 2,467 |
| Retained earnings to average equity (ytd only) | 6.5650% | 2,099 |
| Net charge-offs to loans | -0.1351% | 4,647 |
| Credit loss provision to net charge-offs | -72.7273% | 3,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2375% | 1,488 |
| Assets per employee ($millions) | 5.0808% | 3,660 |
| Cash dividends to net income (ytd only)* | 35.4916% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 3,064 |
| Loan loss allowance to noncurrent loans | 433.6493% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 2,177 |
| Noncurrent loans to loans | 0.2683% | 2,645 |
| Net loans and leases to total assets | 66.5101% | 1,418 |
| Net loans and leases to deposits | 75.3502% | 1,613 |
| Net loans and leases to core deposits | 77.6857% | 1,787 |
| Total domestic deposits to total assets | 88.2679% | 1,894 |
| Equity capital to assets | 7.2917% | 4,655 |
| Core capital (leverage) ratio | 7.8072% | 4,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5894% | 2,024 |
| Memoranda: | ||
| Average total assets | $107,606,800 | 3,917 |
| Average earning assets | $103,509,200 | 3,870 |
| Average equity | $8,195,000 | 4,316 |
| Average total loans | $73,287,400 | 3,597 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0626% | 1,395 |
| Cost of funding earning assets | 0.4879% | 1,116 |
| Net interest margin | 3.5747% | 1,664 |
| Noninterest income to average assets | 0.3394% | 3,413 |
| Noninterest expense to average assets | 2.7073% | 1,572 |
| Loan and lease loss provision to assets | 0.0684% | 1,640 |
| Net operating income to assets | 0.7965% | 3,530 |
| Return on assets (ROA) | 0.7965% | 3,601 |
| Pretax return on assets | 0.9966% | 3,466 |
| Return on Equity (ROE) | 10.3364% | 2,617 |
| Retained earnings to average equity (ytd only) | 7.9208% | 2,078 |
| Net charge-offs to loans | -0.1705% | 4,746 |
| Credit loss provision to net charge-offs | -58.6957% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7691% | 1,426 |
| Assets per employee ($millions) | 4.9058% | 3,789 |
| Cash dividends to net income (ytd only)* | 23.3704% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 3,094 |
| Loan loss allowance to noncurrent loans | 956.9892% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 2,905 |
| Noncurrent loans to loans | 0.1230% | 3,482 |
| Net loans and leases to total assets | 66.2448% | 1,511 |
| Net loans and leases to deposits | 75.5949% | 1,708 |
| Net loans and leases to core deposits | 78.2451% | 1,879 |
| Total domestic deposits to total assets | 87.6313% | 2,045 |
| Equity capital to assets | 7.6183% | 4,672 |
| Core capital (leverage) ratio | 8.0943% | 4,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2392% | 1,882 |
| Memoranda: | ||
| Average total assets | $105,293,750 | 3,993 |
| Average earning assets | $101,114,750 | 3,945 |
| Average equity | $8,113,500 | 4,380 |
| Average total loans | $71,949,750 | 3,666 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9744% | 1,632 |
| Cost of funding earning assets | 0.5230% | 1,075 |
| Net interest margin | 3.4514% | 2,000 |
| Noninterest income to average assets | 0.3308% | 3,446 |
| Noninterest expense to average assets | 2.7398% | 1,480 |
| Loan and lease loss provision to assets | 0.0701% | 1,650 |
| Net operating income to assets | 0.6597% | 3,853 |
| Return on assets (ROA) | 0.6597% | 3,917 |
| Pretax return on assets | 0.8212% | 3,816 |
| Return on Equity (ROE) | 8.5254% | 3,255 |
| Retained earnings to average equity (ytd only) | 4.8286% | 3,253 |
| Net charge-offs to loans | -0.0622% | 4,456 |
| Credit loss provision to net charge-offs | -163.6364% | 3,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4555% | 1,133 |
| Assets per employee ($millions) | 4.5965% | 4,020 |
| Cash dividends to net income (ytd only)* | 43.3628% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0919% | 3,457 |
| Loan loss allowance to noncurrent loans | 326.0163% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.3897% | 2,049 |
| Noncurrent loans to loans | 0.3349% | 2,708 |
| Net loans and leases to total assets | 68.7164% | 1,360 |
| Net loans and leases to deposits | 79.0862% | 1,511 |
| Net loans and leases to core deposits | 82.1845% | 1,708 |
| Total domestic deposits to total assets | 86.8880% | 2,389 |
| Equity capital to assets | 7.6570% | 4,690 |
| Core capital (leverage) ratio | 7.7215% | 4,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4515% | 1,819 |
| Memoranda: | ||
| Average total assets | $102,780,667 | 4,043 |
| Average earning assets | $98,278,000 | 3,989 |
| Average equity | $7,952,667 | 4,415 |
| Average total loans | $70,721,000 | 3,709 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9962% | 1,619 |
| Cost of funding earning assets | 0.5425% | 1,153 |
| Net interest margin | 3.4537% | 1,952 |
| Noninterest income to average assets | 0.3159% | 3,514 |
| Noninterest expense to average assets | 2.7717% | 1,426 |
| Loan and lease loss provision to assets | 0.0711% | 1,734 |
| Net operating income to assets | 0.6199% | 3,891 |
| Return on assets (ROA) | 0.6199% | 3,957 |
| Pretax return on assets | 0.7660% | 3,874 |
| Return on Equity (ROE) | 7.9680% | 3,332 |
| Retained earnings to average equity (ytd only) | 7.9680% | 2,249 |
| Net charge-offs to loans | -0.0461% | 4,362 |
| Credit loss provision to net charge-offs | -225.0000% | 2,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8053% | 1,056 |
| Assets per employee ($millions) | 4.8223% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 3,439 |
| Loan loss allowance to noncurrent loans | 416.7568% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.3299% | 2,490 |
| Noncurrent loans to loans | 0.2636% | 3,164 |
| Net loans and leases to total assets | 65.4382% | 1,876 |
| Net loans and leases to deposits | 75.6607% | 1,947 |
| Net loans and leases to core deposits | 78.3956% | 2,150 |
| Total domestic deposits to total assets | 86.4890% | 2,529 |
| Equity capital to assets | 7.5907% | 4,682 |
| Core capital (leverage) ratio | 8.0117% | 4,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1355% | 1,528 |
| Memoranda: | ||
| Average total assets | $101,311,000 | 4,059 |
| Average earning assets | $96,592,500 | 4,016 |
| Average equity | $7,881,500 | 4,441 |
| Average total loans | $69,357,000 | 3,753 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5768% | 1,139 |
| Cost of funding earning assets | 0.7865% | 1,266 |
| Net interest margin | 3.7903% | 1,526 |
| Noninterest income to average assets | 0.3509% | 3,362 |
| Noninterest expense to average assets | 3.0398% | 1,346 |
| Loan and lease loss provision to assets | 0.0797% | 3,380 |
| Net operating income to assets | 0.6681% | 3,531 |
| Return on assets (ROA) | 0.6753% | 3,636 |
| Pretax return on assets | 0.8358% | 3,544 |
| Return on Equity (ROE) | 8.3029% | 2,687 |
| Retained earnings to average equity (ytd only) | 4.6551% | 2,447 |
| Net charge-offs to loans | 0.0859% | 1,604 |
| Credit loss provision to net charge-offs | 124.1379% | 2,604 |
| Earnings coverage of net charge-offs (x) | 14.1207% | 2,233 |
| Efficiency ratio | 77.0266% | 1,120 |
| Assets per employee ($millions) | 4.3878% | 4,023 |
| Cash dividends to net income (ytd only)* | 43.9344% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 3,527 |
| Loan loss allowance to noncurrent loans | 172.6218% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.6112% | 1,725 |
| Noncurrent loans to loans | 0.6290% | 2,119 |
| Net loans and leases to total assets | 70.2106% | 1,533 |
| Net loans and leases to deposits | 82.0680% | 1,656 |
| Net loans and leases to core deposits | 85.3643% | 1,921 |
| Total domestic deposits to total assets | 85.5518% | 2,549 |
| Equity capital to assets | 7.9871% | 4,713 |
| Core capital (leverage) ratio | 8.0158% | 4,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2019% | 1,778 |
| Memoranda: | ||
| Average total assets | $90,333,800 | 4,116 |
| Average earning assets | $85,692,600 | 4,079 |
| Average equity | $7,346,800 | 4,495 |
| Average total loans | $67,506,400 | 3,787 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6084% | 1,282 |
| Cost of funding earning assets | 0.8376% | 1,321 |
| Net interest margin | 3.7708% | 1,707 |
| Noninterest income to average assets | 0.3559% | 3,328 |
| Noninterest expense to average assets | 3.0245% | 1,389 |
| Loan and lease loss provision to assets | 0.0811% | 3,297 |
| Net operating income to assets | 0.6707% | 3,563 |
| Return on assets (ROA) | 0.6803% | 3,627 |
| Pretax return on assets | 0.8455% | 3,527 |
| Return on Equity (ROE) | 8.3239% | 2,680 |
| Retained earnings to average equity (ytd only) | 5.7147% | 2,231 |
| Net charge-offs to loans | 0.1447% | 1,009 |
| Credit loss provision to net charge-offs | 73.9726% | 2,790 |
| Earnings coverage of net charge-offs (x) | 8.3425% | 2,506 |
| Efficiency ratio | 76.7823% | 1,133 |
| Assets per employee ($millions) | 4.2480% | 4,097 |
| Cash dividends to net income (ytd only)* | 31.3466% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 3,483 |
| Loan loss allowance to noncurrent loans | 163.9723% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.6367% | 1,831 |
| Noncurrent loans to loans | 0.6384% | 2,197 |
| Net loans and leases to total assets | 71.8175% | 1,692 |
| Net loans and leases to deposits | 85.0627% | 1,803 |
| Net loans and leases to core deposits | 88.0523% | 2,139 |
| Total domestic deposits to total assets | 84.4289% | 2,663 |
| Equity capital to assets | 8.2061% | 4,633 |
| Core capital (leverage) ratio | 8.1179% | 4,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5579% | 1,635 |
| Memoranda: | ||
| Average total assets | $88,784,500 | 4,138 |
| Average earning assets | $84,366,000 | 4,106 |
| Average equity | $7,256,000 | 4,519 |
| Average total loans | $67,253,250 | 3,802 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7099% | 1,382 |
| Cost of funding earning assets | 0.8916% | 1,411 |
| Net interest margin | 3.8184% | 1,779 |
| Noninterest income to average assets | 0.3554% | 3,347 |
| Noninterest expense to average assets | 3.0518% | 1,456 |
| Loan and lease loss provision to assets | 0.0825% | 3,252 |
| Net operating income to assets | 0.6719% | 3,497 |
| Return on assets (ROA) | 0.6626% | 3,626 |
| Pretax return on assets | 0.8231% | 3,526 |
| Return on Equity (ROE) | 8.1199% | 2,699 |
| Retained earnings to average equity (ytd only) | 4.5516% | 2,682 |
| Net charge-offs to loans | 0.1939% | 791 |
| Credit loss provision to net charge-offs | 55.3846% | 2,602 |
| Earnings coverage of net charge-offs (x) | 6.1538% | 2,459 |
| Efficiency ratio | 76.8920% | 1,168 |
| Assets per employee ($millions) | 4.6783% | 3,558 |
| Cash dividends to net income (ytd only)* | 43.9446% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0440% | 3,348 |
| Loan loss allowance to noncurrent loans | 414.7929% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.7289% | 1,687 |
| Noncurrent loans to loans | 0.2517% | 3,476 |
| Net loans and leases to total assets | 71.0140% | 1,870 |
| Net loans and leases to deposits | 85.0191% | 1,880 |
| Net loans and leases to core deposits | 87.8310% | 2,259 |
| Total domestic deposits to total assets | 83.5271% | 2,916 |
| Equity capital to assets | 8.0435% | 4,695 |
| Core capital (leverage) ratio | 8.2549% | 4,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6738% | 1,579 |
| Memoranda: | ||
| Average total assets | $87,227,667 | 4,161 |
| Average earning assets | $82,548,667 | 4,132 |
| Average equity | $7,118,333 | 4,553 |
| Average total loans | $67,062,000 | 3,815 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0309% | 911 |
| Cost of funding earning assets | 0.9648% | 1,585 |
| Net interest margin | 4.0662% | 1,206 |
| Noninterest income to average assets | 0.2950% | 3,759 |
| Noninterest expense to average assets | 3.1312% | 1,563 |
| Loan and lease loss provision to assets | 0.0857% | 2,619 |
| Net operating income to assets | 0.7309% | 3,165 |
| Return on assets (ROA) | 0.7423% | 3,198 |
| Pretax return on assets | 0.9232% | 3,071 |
| Return on Equity (ROE) | 9.0245% | 2,104 |
| Retained earnings to average equity (ytd only) | 9.0245% | 970 |
| Net charge-offs to loans | 0.3820% | 376 |
| Credit loss provision to net charge-offs | 28.1250% | 2,163 |
| Earnings coverage of net charge-offs (x) | 3.2656% | 2,225 |
| Efficiency ratio | 75.8939% | 1,573 |
| Assets per employee ($millions) | 4.1090% | 3,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 3,589 |
| Loan loss allowance to noncurrent loans | 387.0056% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 1.4173% | 782 |
| Noncurrent loans to loans | 0.2639% | 3,547 |
| Net loans and leases to total assets | 76.9322% | 1,145 |
| Net loans and leases to deposits | 93.5698% | 1,117 |
| Net loans and leases to core deposits | 97.7299% | 1,662 |
| Total domestic deposits to total assets | 82.2191% | 3,353 |
| Equity capital to assets | 8.1053% | 4,947 |
| Core capital (leverage) ratio | 8.1839% | 4,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0973% | 1,873 |
| Memoranda: | ||
| Average total assets | $84,058,500 | 4,209 |
| Average earning assets | $79,190,000 | 4,183 |
| Average equity | $6,914,500 | 4,611 |
| Average total loans | $67,020,000 | 3,819 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2676% | 880 |
| Cost of funding earning assets | 1.0017% | 1,713 |
| Net interest margin | 4.2659% | 1,170 |
| Noninterest income to average assets | 0.4538% | 2,987 |
| Noninterest expense to average assets | 3.4671% | 1,009 |
| Loan and lease loss provision to assets | 0.1479% | 1,447 |
| Net operating income to assets | 0.6990% | 3,871 |
| Return on assets (ROA) | 0.6990% | 3,936 |
| Pretax return on assets | 0.8759% | 3,812 |
| Return on Equity (ROE) | 8.2832% | 3,046 |
| Retained earnings to average equity (ytd only) | 4.4936% | 2,709 |
| Net charge-offs to loans | 0.0494% | 2,406 |
| Credit loss provision to net charge-offs | 365.6250% | 764 |
| Earnings coverage of net charge-offs (x) | 25.3125% | 1,736 |
| Efficiency ratio | 77.2024% | 1,238 |
| Assets per employee ($millions) | 3.8966% | 4,035 |
| Cash dividends to net income (ytd only)* | 45.7505% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0900% | 3,007 |
| Loan loss allowance to noncurrent loans | 184.8101% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 1.8710% | 445 |
| Noncurrent loans to loans | 0.5898% | 2,413 |
| Net loans and leases to total assets | 80.9515% | 671 |
| Net loans and leases to deposits | 99.2553% | 651 |
| Net loans and leases to core deposits | 103.9335% | 1,231 |
| Total domestic deposits to total assets | 81.5589% | 3,627 |
| Equity capital to assets | 8.3529% | 4,968 |
| Core capital (leverage) ratio | 8.4401% | 4,874 |
| Tier 1 risk-based capital ratio | 12.9340% | 3,821 |
| Total risk-based capital ratio | 14.1864% | 3,699 |
| Memoranda: | ||
| Average total assets | $79,114,800 | 4,303 |
| Average earning assets | $74,872,800 | 4,271 |
| Average equity | $6,676,200 | 4,673 |
| Average total loans | $64,769,600 | 3,889 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2939% | 876 |
| Cost of funding earning assets | 1.0031% | 1,751 |
| Net interest margin | 4.2907% | 1,182 |
| Noninterest income to average assets | 0.4658% | 2,923 |
| Noninterest expense to average assets | 3.5000% | 952 |
| Loan and lease loss provision to assets | 0.1683% | 1,102 |
| Net operating income to assets | 0.6867% | 4,054 |
| Return on assets (ROA) | 0.6867% | 4,116 |
| Pretax return on assets | 0.8618% | 3,971 |
| Return on Equity (ROE) | 8.1165% | 3,257 |
| Retained earnings to average equity (ytd only) | 5.5650% | 2,590 |
| Net charge-offs to loans | 0.1723% | 983 |
| Credit loss provision to net charge-offs | 119.2771% | 1,962 |
| Earnings coverage of net charge-offs (x) | 7.3015% | 2,759 |
| Efficiency ratio | 77.2608% | 1,183 |
| Assets per employee ($millions) | 3.8175% | 4,144 |
| Cash dividends to net income (ytd only)* | 31.4360% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0182% | 3,468 |
| Loan loss allowance to noncurrent loans | 122.1402% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 2.0757% | 405 |
| Noncurrent loans to loans | 0.8337% | 1,906 |
| Net loans and leases to total assets | 80.2737% | 813 |
| Net loans and leases to deposits | 98.3931% | 777 |
| Net loans and leases to core deposits | 103.1447% | 1,400 |
| Total domestic deposits to total assets | 81.5847% | 3,592 |
| Equity capital to assets | 8.5023% | 5,004 |
| Core capital (leverage) ratio | 8.4995% | 4,947 |
| Tier 1 risk-based capital ratio | 13.1017% | 3,797 |
| Total risk-based capital ratio | 14.3514% | 3,703 |
| Memoranda: | ||
| Average total assets | $78,436,500 | 4,368 |
| Average earning assets | $74,297,750 | 4,335 |
| Average equity | $6,636,500 | 4,735 |
| Average total loans | $64,219,250 | 3,942 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1506% | 1,105 |
| Cost of funding earning assets | 0.9960% | 1,714 |
| Net interest margin | 4.1546% | 1,478 |
| Noninterest income to average assets | 0.4547% | 2,934 |
| Noninterest expense to average assets | 3.5757% | 873 |
| Loan and lease loss provision to assets | 0.0925% | 1,996 |
| Net operating income to assets | 0.5831% | 4,351 |
| Return on assets (ROA) | 0.5831% | 4,389 |
| Pretax return on assets | 0.7295% | 4,259 |
| Return on Equity (ROE) | 6.9032% | 3,713 |
| Retained earnings to average equity (ytd only) | 3.0715% | 3,686 |
| Net charge-offs to loans | 0.2815% | 600 |
| Credit loss provision to net charge-offs | 40.0000% | 2,532 |
| Earnings coverage of net charge-offs (x) | 3.5556% | 2,831 |
| Efficiency ratio | 81.3084% | 850 |
| Assets per employee ($millions) | 3.5899% | 4,385 |
| Cash dividends to net income (ytd only)* | 55.5066% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9019% | 4,082 |
| Loan loss allowance to noncurrent loans | 44.9772% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 1.9373% | 488 |
| Noncurrent loans to loans | 2.0053% | 712 |
| Net loans and leases to total assets | 82.2201% | 567 |
| Net loans and leases to deposits | 101.4974% | 575 |
| Net loans and leases to core deposits | 104.4979% | 1,342 |
| Total domestic deposits to total assets | 81.0071% | 3,811 |
| Equity capital to assets | 8.3936% | 5,082 |
| Core capital (leverage) ratio | 8.3440% | 5,043 |
| Tier 1 risk-based capital ratio | 12.7854% | 3,955 |
| Total risk-based capital ratio | 13.9299% | 3,927 |
| Memoranda: | ||
| Average total assets | $77,859,670 | 4,411 |
| Average earning assets | $73,894,000 | 4,373 |
| Average equity | $6,576,670 | 4,771 |
| Average total loans | $63,954,000 | 3,971 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1149% | 1,070 |
| Cost of funding earning assets | 0.9771% | 1,667 |
| Net interest margin | 4.1378% | 1,458 |
| Noninterest income to average assets | 0.4916% | 2,610 |
| Noninterest expense to average assets | 3.6688% | 784 |
| Loan and lease loss provision to assets | 0.0931% | 1,868 |
| Net operating income to assets | 0.5123% | 4,485 |
| Return on assets (ROA) | 0.5123% | 4,508 |
| Pretax return on assets | 0.6520% | 4,411 |
| Return on Equity (ROE) | 6.0453% | 4,007 |
| Retained earnings to average equity (ytd only) | 6.0453% | 2,439 |
| Net charge-offs to loans | -0.0380% | 4,742 |
| Credit loss provision to net charge-offs | -300.0000% | 3,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1184% | 781 |
| Assets per employee ($millions) | 3.6271% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 3,417 |
| Loan loss allowance to noncurrent loans | 160.2871% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.8822% | 1,603 |
| Noncurrent loans to loans | 0.6546% | 2,377 |
| Net loans and leases to total assets | 79.1872% | 962 |
| Net loans and leases to deposits | 98.1744% | 774 |
| Net loans and leases to core deposits | 103.6548% | 1,341 |
| Total domestic deposits to total assets | 80.6597% | 4,033 |
| Equity capital to assets | 8.2810% | 5,092 |
| Core capital (leverage) ratio | 8.5148% | 4,998 |
| Tier 1 risk-based capital ratio | 13.4712% | 3,618 |
| Total risk-based capital ratio | 14.7217% | 3,529 |
| Memoranda: | ||
| Average total assets | $77,301,000 | 4,466 |
| Average earning assets | $73,275,500 | 4,426 |
| Average equity | $6,550,500 | 4,810 |
| Average total loans | $63,168,000 | 4,026 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2649% | 622 |
| Cost of funding earning assets | 0.7998% | 1,522 |
| Net interest margin | 4.4651% | 818 |
| Noninterest income to average assets | 0.3471% | 3,789 |
| Noninterest expense to average assets | 3.6228% | 842 |
| Loan and lease loss provision to assets | 0.1391% | 1,544 |
| Net operating income to assets | 0.6698% | 4,234 |
| Return on assets (ROA) | 0.6698% | 4,243 |
| Pretax return on assets | 0.7888% | 4,200 |
| Return on Equity (ROE) | 7.2193% | 3,758 |
| Retained earnings to average equity (ytd only) | 2.4580% | 4,159 |
| Net charge-offs to loans | -0.0243% | 4,750 |
| Credit loss provision to net charge-offs | -692.8571% | 4,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6092% | 992 |
| Assets per employee ($millions) | 3.5621% | 4,485 |
| Cash dividends to net income (ytd only)* | 65.9529% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 3,478 |
| Loan loss allowance to noncurrent loans | 175.5435% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.7419% | 1,874 |
| Noncurrent loans to loans | 0.5890% | 2,524 |
| Net loans and leases to total assets | 82.6562% | 566 |
| Net loans and leases to deposits | 104.6723% | 449 |
| Net loans and leases to core deposits | 111.1489% | 932 |
| Total domestic deposits to total assets | 78.9666% | 4,318 |
| Equity capital to assets | 8.6799% | 4,819 |
| Core capital (leverage) ratio | 8.6855% | 4,892 |
| Tier 1 risk-based capital ratio | 13.6890% | 3,445 |
| Total risk-based capital ratio | 14.9446% | 3,364 |
| Memoranda: | ||
| Average total assets | $69,725,800 | 4,582 |
| Average earning assets | $65,642,200 | 4,564 |
| Average equity | $6,468,800 | 4,831 |
| Average total loans | $57,533,200 | 4,155 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2390% | 578 |
| Cost of funding earning assets | 0.7318% | 1,669 |
| Net interest margin | 4.5071% | 728 |
| Noninterest income to average assets | 0.3369% | 3,907 |
| Noninterest expense to average assets | 3.6149% | 837 |
| Loan and lease loss provision to assets | 0.1539% | 1,278 |
| Net operating income to assets | 0.7206% | 4,162 |
| Return on assets (ROA) | 0.7206% | 4,173 |
| Pretax return on assets | 0.8024% | 4,285 |
| Return on Equity (ROE) | 7.6333% | 3,694 |
| Retained earnings to average equity (ytd only) | 3.8991% | 3,821 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0797% | 1,025 |
| Assets per employee ($millions) | 3.4482% | 4,624 |
| Cash dividends to net income (ytd only)* | 48.9196% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 3,728 |
| Loan loss allowance to noncurrent loans | 190.6832% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.6781% | 2,166 |
| Noncurrent loans to loans | 0.5266% | 2,800 |
| Net loans and leases to total assets | 83.5994% | 499 |
| Net loans and leases to deposits | 107.2288% | 385 |
| Net loans and leases to core deposits | 110.8028% | 989 |
| Total domestic deposits to total assets | 77.9636% | 4,489 |
| Equity capital to assets | 9.0758% | 4,480 |
| Core capital (leverage) ratio | 9.3701% | 4,313 |
| Tier 1 risk-based capital ratio | 14.1798% | 3,281 |
| Total risk-based capital ratio | 15.4546% | 3,183 |
| Memoranda: | ||
| Average total assets | $68,456,000 | 4,653 |
| Average earning assets | $64,311,500 | 4,635 |
| Average equity | $6,462,750 | 4,885 |
| Average total loans | $56,297,250 | 4,225 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2220% | 535 |
| Cost of funding earning assets | 0.6627% | 1,852 |
| Net interest margin | 4.5593% | 610 |
| Noninterest income to average assets | 0.3277% | 4,002 |
| Noninterest expense to average assets | 3.6880% | 772 |
| Loan and lease loss provision to assets | 0.1817% | 987 |
| Net operating income to assets | 0.6941% | 4,209 |
| Return on assets (ROA) | 0.6941% | 4,214 |
| Pretax return on assets | 0.7209% | 4,455 |
| Return on Equity (ROE) | 7.2514% | 3,815 |
| Retained earnings to average equity (ytd only) | 1.6183% | 4,604 |
| Net charge-offs to loans | 0.0183% | 2,529 |
| Credit loss provision to net charge-offs | 1,220.0000% | 343 |
| Earnings coverage of net charge-offs (x) | 60.6000% | 992 |
| Efficiency ratio | 80.3374% | 976 |
| Assets per employee ($millions) | 3.3030% | 4,814 |
| Cash dividends to net income (ytd only)* | 77.6824% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 3,792 |
| Loan loss allowance to noncurrent loans | 182.9721% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.7252% | 2,064 |
| Noncurrent loans to loans | 0.5506% | 2,761 |
| Net loans and leases to total assets | 83.7279% | 486 |
| Net loans and leases to deposits | 103.4909% | 551 |
| Net loans and leases to core deposits | 105.4967% | 1,276 |
| Total domestic deposits to total assets | 80.9036% | 4,020 |
| Equity capital to assets | 9.2829% | 4,302 |
| Core capital (leverage) ratio | 9.3519% | 4,297 |
| Tier 1 risk-based capital ratio | 14.1012% | 3,316 |
| Total risk-based capital ratio | 15.3508% | 3,232 |
| Memoranda: | ||
| Average total assets | $67,137,330 | 4,734 |
| Average earning assets | $62,772,670 | 4,714 |
| Average equity | $6,426,330 | 4,940 |
| Average total loans | $54,679,670 | 4,289 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9667% | 748 |
| Cost of funding earning assets | 0.6241% | 1,890 |
| Net interest margin | 4.3426% | 874 |
| Noninterest income to average assets | 0.2908% | 4,223 |
| Noninterest expense to average assets | 3.7683% | 700 |
| Loan and lease loss provision to assets | 0.1091% | 1,714 |
| Net operating income to assets | 0.5816% | 4,479 |
| Return on assets (ROA) | 0.5816% | 4,487 |
| Pretax return on assets | 0.4604% | 4,945 |
| Return on Equity (ROE) | 5.9813% | 4,161 |
| Retained earnings to average equity (ytd only) | 2.5545% | 4,152 |
| Net charge-offs to loans | -0.0607% | 5,056 |
| Credit loss provision to net charge-offs | -225.0000% | 3,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8715% | 587 |
| Assets per employee ($millions) | 3.3691% | 4,825 |
| Cash dividends to net income (ytd only)* | 57.2917% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 3,746 |
| Loan loss allowance to noncurrent loans | 123.2967% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.9899% | 1,588 |
| Noncurrent loans to loans | 0.8412% | 2,132 |
| Net loans and leases to total assets | 79.4396% | 1,015 |
| Net loans and leases to deposits | 94.4456% | 1,192 |
| Net loans and leases to core deposits | 96.2509% | 1,959 |
| Total domestic deposits to total assets | 84.1115% | 3,280 |
| Equity capital to assets | 9.5426% | 4,053 |
| Core capital (leverage) ratio | 9.7899% | 3,769 |
| Tier 1 risk-based capital ratio | 15.2920% | 2,738 |
| Total risk-based capital ratio | 16.5431% | 2,679 |
| Memoranda: | ||
| Average total assets | $66,024,000 | 4,813 |
| Average earning assets | $61,530,000 | 4,795 |
| Average equity | $6,420,000 | 4,995 |
| Average total loans | $52,685,500 | 4,375 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9830% | 670 |
| Cost of funding earning assets | 0.6204% | 1,467 |
| Net interest margin | 4.3626% | 837 |
| Noninterest income to average assets | 0.3451% | 3,998 |
| Noninterest expense to average assets | 3.4364% | 1,143 |
| Loan and lease loss provision to assets | 0.1189% | 1,923 |
| Net operating income to assets | 0.6011% | 4,004 |
| Return on assets (ROA) | 0.6011% | 4,046 |
| Pretax return on assets | 0.8537% | 4,079 |
| Return on Equity (ROE) | 5.6562% | 3,890 |
| Retained earnings to average equity (ytd only) | 0.2642% | 4,921 |
| Net charge-offs to loans | -0.0214% | 4,976 |
| Credit loss provision to net charge-offs | -720.0000% | 5,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9401% | 1,363 |
| Assets per employee ($millions) | 3.2333% | 5,000 |
| Cash dividends to net income (ytd only)* | 95.3297% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0433% | 3,666 |
| Loan loss allowance to noncurrent loans | 155.9767% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.9124% | 1,698 |
| Noncurrent loans to loans | 0.6689% | 2,542 |
| Net loans and leases to total assets | 78.4756% | 1,219 |
| Net loans and leases to deposits | 93.8230% | 1,297 |
| Net loans and leases to core deposits | 95.7003% | 2,056 |
| Total domestic deposits to total assets | 83.6421% | 3,335 |
| Equity capital to assets | 9.9125% | 3,804 |
| Core capital (leverage) ratio | 10.3114% | 3,058 |
| Tier 1 risk-based capital ratio | 16.2036% | 2,360 |
| Total risk-based capital ratio | 17.4549% | 2,296 |
| Memoranda: | ||
| Average total assets | $60,558,200 | 4,952 |
| Average earning assets | $56,411,600 | 4,940 |
| Average equity | $6,435,400 | 5,036 |
| Average total loans | $46,650,800 | 4,544 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9449% | 687 |
| Cost of funding earning assets | 0.6250% | 1,382 |
| Net interest margin | 4.3198% | 880 |
| Noninterest income to average assets | 0.3516% | 4,015 |
| Noninterest expense to average assets | 3.2520% | 1,455 |
| Loan and lease loss provision to assets | 0.1209% | 1,791 |
| Net operating income to assets | 0.7100% | 3,925 |
| Return on assets (ROA) | 0.7100% | 3,989 |
| Pretax return on assets | 1.0034% | 3,676 |
| Return on Equity (ROE) | 6.5613% | 3,881 |
| Retained earnings to average equity (ytd only) | 2.9598% | 4,151 |
| Net charge-offs to loans | -0.0293% | 4,990 |
| Credit loss provision to net charge-offs | -540.0000% | 4,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3091% | 1,849 |
| Assets per employee ($millions) | 3.0634% | 5,212 |
| Cash dividends to net income (ytd only)* | 54.8881% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 3,624 |
| Loan loss allowance to noncurrent loans | 137.8667% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 1.3988% | 1,116 |
| Noncurrent loans to loans | 0.7808% | 2,410 |
| Net loans and leases to total assets | 77.5413% | 1,340 |
| Net loans and leases to deposits | 93.3268% | 1,377 |
| Net loans and leases to core deposits | 95.3536% | 2,142 |
| Total domestic deposits to total assets | 83.0858% | 3,430 |
| Equity capital to assets | 10.6973% | 3,164 |
| Core capital (leverage) ratio | 10.8988% | 2,550 |
| Tier 1 risk-based capital ratio | 17.6590% | 1,959 |
| Total risk-based capital ratio | 18.9097% | 1,895 |
| Memoranda: | ||
| Average total assets | $59,531,250 | 5,030 |
| Average earning assets | $55,463,500 | 5,022 |
| Average equity | $6,441,750 | 5,088 |
| Average total loans | $45,493,000 | 4,626 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8984% | 697 |
| Cost of funding earning assets | 0.6273% | 1,289 |
| Net interest margin | 4.2710% | 937 |
| Noninterest income to average assets | 0.3460% | 4,076 |
| Noninterest expense to average assets | 3.2670% | 1,431 |
| Loan and lease loss provision to assets | 0.1221% | 1,698 |
| Net operating income to assets | 0.6649% | 3,999 |
| Return on assets (ROA) | 0.6649% | 4,060 |
| Pretax return on assets | 0.9296% | 3,832 |
| Return on Equity (ROE) | 6.1209% | 3,996 |
| Retained earnings to average equity (ytd only) | 0.6870% | 4,926 |
| Net charge-offs to loans | -0.0179% | 4,739 |
| Credit loss provision to net charge-offs | -900.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6481% | 1,783 |
| Assets per employee ($millions) | 3.7590% | 4,343 |
| Cash dividends to net income (ytd only)* | 88.7755% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 3,618 |
| Loan loss allowance to noncurrent loans | 139.2655% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 1.3002% | 1,272 |
| Noncurrent loans to loans | 0.7856% | 2,442 |
| Net loans and leases to total assets | 74.1038% | 1,845 |
| Net loans and leases to deposits | 89.1416% | 1,846 |
| Net loans and leases to core deposits | 91.1040% | 2,416 |
| Total domestic deposits to total assets | 83.1305% | 3,527 |
| Equity capital to assets | 10.6561% | 3,167 |
| Core capital (leverage) ratio | 10.6093% | 2,802 |
| Tier 1 risk-based capital ratio | 18.4324% | 1,736 |
| Total risk-based capital ratio | 19.6820% | 1,698 |
| Memoranda: | ||
| Average total assets | $58,952,330 | 5,077 |
| Average earning assets | $54,834,330 | 5,072 |
| Average equity | $6,404,330 | 5,121 |
| Average total loans | $44,649,000 | 4,669 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8022% | 741 |
| Cost of funding earning assets | 0.6187% | 1,244 |
| Net interest margin | 4.1835% | 1,023 |
| Noninterest income to average assets | 0.3290% | 4,194 |
| Noninterest expense to average assets | 3.3929% | 1,213 |
| Loan and lease loss provision to assets | 0.1234% | 1,558 |
| Net operating income to assets | 0.5209% | 4,514 |
| Return on assets (ROA) | 0.5209% | 4,546 |
| Pretax return on assets | 0.7060% | 4,435 |
| Return on Equity (ROE) | 4.7485% | 4,504 |
| Retained earnings to average equity (ytd only) | 1.6245% | 4,455 |
| Net charge-offs to loans | -0.0270% | 4,880 |
| Credit loss provision to net charge-offs | -600.0000% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3571% | 1,338 |
| Assets per employee ($millions) | 4.0477% | 3,926 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 3,911 |
| Loan loss allowance to noncurrent loans | 74.0625% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 1.7080% | 866 |
| Noncurrent loans to loans | 1.4356% | 1,407 |
| Net loans and leases to total assets | 72.6443% | 1,978 |
| Net loans and leases to deposits | 88.0764% | 1,788 |
| Net loans and leases to core deposits | 88.6535% | 2,482 |
| Total domestic deposits to total assets | 82.4788% | 4,027 |
| Equity capital to assets | 10.5806% | 3,087 |
| Core capital (leverage) ratio | 10.9317% | 2,435 |
| Tier 1 risk-based capital ratio | 18.4884% | 1,744 |
| Total risk-based capital ratio | 19.7399% | 1,705 |
| Memoranda: | ||
| Average total assets | $58,356,500 | 5,145 |
| Average earning assets | $54,308,500 | 5,133 |
| Average equity | $6,402,000 | 5,171 |
| Average total loans | $44,442,500 | 4,716 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0006% | 590 |
| Cost of funding earning assets | 0.6109% | 1,271 |
| Net interest margin | 4.3897% | 790 |
| Noninterest income to average assets | 0.3870% | 3,984 |
| Noninterest expense to average assets | 3.4378% | 1,280 |
| Loan and lease loss provision to assets | 0.1296% | 1,920 |
| Net operating income to assets | 0.7641% | 3,476 |
| Return on assets (ROA) | 0.7686% | 3,559 |
| Pretax return on assets | 0.9252% | 3,751 |
| Return on Equity (ROE) | 6.6836% | 3,651 |
| Retained earnings to average equity (ytd only) | 0.9235% | 4,953 |
| Net charge-offs to loans | 0.3315% | 830 |
| Credit loss provision to net charge-offs | 50.0000% | 3,375 |
| Earnings coverage of net charge-offs (x) | 4.0486% | 3,567 |
| Efficiency ratio | 76.6145% | 1,902 |
| Assets per employee ($millions) | 3.7332% | 4,423 |
| Cash dividends to net income (ytd only)* | 86.1827% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 4,180 |
| Loan loss allowance to noncurrent loans | 68.8450% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 1.8429% | 787 |
| Noncurrent loans to loans | 1.4852% | 1,359 |
| Net loans and leases to total assets | 78.3099% | 1,157 |
| Net loans and leases to deposits | 96.4649% | 956 |
| Net loans and leases to core deposits | 96.4649% | 1,881 |
| Total domestic deposits to total assets | 81.1797% | 4,292 |
| Equity capital to assets | 11.3933% | 2,249 |
| Core capital (leverage) ratio | 11.5066% | 1,922 |
| Tier 1 risk-based capital ratio | 18.9075% | 1,624 |
| Total risk-based capital ratio | 20.1573% | 1,589 |
| Memoranda: | ||
| Average total assets | $55,558,400 | 5,234 |
| Average earning assets | $51,893,800 | 5,211 |
| Average equity | $6,388,800 | 5,211 |
| Average total loans | $43,432,600 | 4,768 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9916% | 614 |
| Cost of funding earning assets | 0.6072% | 1,273 |
| Net interest margin | 4.3844% | 797 |
| Noninterest income to average assets | 0.3847% | 4,029 |
| Noninterest expense to average assets | 3.4674% | 1,208 |
| Loan and lease loss provision to assets | 0.1299% | 1,805 |
| Net operating income to assets | 0.7574% | 3,572 |
| Return on assets (ROA) | 0.7574% | 3,701 |
| Pretax return on assets | 0.8849% | 4,032 |
| Return on Equity (ROE) | 6.5716% | 3,790 |
| Retained earnings to average equity (ytd only) | 1.3560% | 4,969 |
| Net charge-offs to loans | 0.1481% | 1,511 |
| Credit loss provision to net charge-offs | 112.5000% | 2,195 |
| Earnings coverage of net charge-offs (x) | 8.7914% | 2,733 |
| Efficiency ratio | 77.3605% | 1,784 |
| Assets per employee ($millions) | 3.6800% | 4,508 |
| Cash dividends to net income (ytd only)* | 79.3662% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 3,139 |
| Loan loss allowance to noncurrent loans | 73.2414% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 2.0707% | 745 |
| Noncurrent loans to loans | 1.6603% | 1,282 |
| Net loans and leases to total assets | 78.1431% | 1,170 |
| Net loans and leases to deposits | 96.9587% | 958 |
| Net loans and leases to core deposits | 96.9587% | 1,906 |
| Total domestic deposits to total assets | 80.5942% | 4,357 |
| Equity capital to assets | 11.6286% | 2,413 |
| Core capital (leverage) ratio | 11.6600% | 1,919 |
| Tier 1 risk-based capital ratio | 19.2407% | 1,616 |
| Total risk-based capital ratio | 20.4952% | 1,571 |
| Memoranda: | ||
| Average total assets | $55,448,500 | 5,284 |
| Average earning assets | $51,818,750 | 5,262 |
| Average equity | $6,391,000 | 5,264 |
| Average total loans | $43,214,500 | 4,817 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0299% | 553 |
| Cost of funding earning assets | 0.5990% | 1,318 |
| Net interest margin | 4.4310% | 714 |
| Noninterest income to average assets | 0.3962% | 3,900 |
| Noninterest expense to average assets | 3.5403% | 1,100 |
| Loan and lease loss provision to assets | 0.1297% | 1,765 |
| Net operating income to assets | 0.7959% | 3,326 |
| Return on assets (ROA) | 0.7959% | 3,469 |
| Pretax return on assets | 0.8824% | 4,018 |
| Return on Equity (ROE) | 6.9261% | 3,592 |
| Retained earnings to average equity (ytd only) | 1.5983% | 4,739 |
| Net charge-offs to loans | 0.2276% | 1,029 |
| Credit loss provision to net charge-offs | 73.4694% | 2,444 |
| Earnings coverage of net charge-offs (x) | 5.7347% | 2,826 |
| Efficiency ratio | 77.7690% | 1,825 |
| Assets per employee ($millions) | 3.7511% | 4,358 |
| Cash dividends to net income (ytd only)* | 76.9231% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 3,428 |
| Loan loss allowance to noncurrent loans | 72.2144% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 1.8928% | 887 |
| Noncurrent loans to loans | 1.6455% | 1,296 |
| Net loans and leases to total assets | 75.6656% | 1,545 |
| Net loans and leases to deposits | 94.4221% | 1,245 |
| Net loans and leases to core deposits | 94.4221% | 2,121 |
| Total domestic deposits to total assets | 80.1354% | 4,508 |
| Equity capital to assets | 11.3781% | 2,669 |
| Core capital (leverage) ratio | 11.4586% | 2,023 |
| Tier 1 risk-based capital ratio | 19.7302% | 1,515 |
| Total risk-based capital ratio | 20.9834% | 1,475 |
| Memoranda: | ||
| Average total assets | $55,531,330 | 5,344 |
| Average earning assets | $52,088,000 | 5,312 |
| Average equity | $6,381,670 | 5,314 |
| Average total loans | $43,064,000 | 4,860 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1880% | 425 |
| Cost of funding earning assets | 0.6049% | 1,303 |
| Net interest margin | 4.5831% | 517 |
| Noninterest income to average assets | 0.3118% | 4,504 |
| Noninterest expense to average assets | 3.8068% | 771 |
| Loan and lease loss provision to assets | 0.1305% | 1,618 |
| Net operating income to assets | 0.7614% | 3,432 |
| Return on assets (ROA) | 0.7614% | 3,542 |
| Pretax return on assets | 0.6599% | 4,650 |
| Return on Equity (ROE) | 6.5919% | 3,677 |
| Retained earnings to average equity (ytd only) | 6.5919% | 2,088 |
| Net charge-offs to loans | 0.5110% | 425 |
| Credit loss provision to net charge-offs | 32.7273% | 2,203 |
| Earnings coverage of net charge-offs (x) | 1.9818% | 2,746 |
| Efficiency ratio | 82.8076% | 1,276 |
| Assets per employee ($millions) | 3.7717% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 3,930 |
| Loan loss allowance to noncurrent loans | 75.1926% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 1.6774% | 1,168 |
| Noncurrent loans to loans | 1.4929% | 1,579 |
| Net loans and leases to total assets | 75.9753% | 1,397 |
| Net loans and leases to deposits | 94.6554% | 1,077 |
| Net loans and leases to core deposits | 94.6554% | 1,924 |
| Total domestic deposits to total assets | 80.2651% | 4,692 |
| Equity capital to assets | 11.3690% | 2,558 |
| Core capital (leverage) ratio | 11.6518% | 1,864 |
| Tier 1 risk-based capital ratio | 20.9921% | 1,321 |
| Total risk-based capital ratio | 22.2437% | 1,292 |
| Memoranda: | ||
| Average total assets | $55,164,000 | 5,398 |
| Average earning assets | $51,581,000 | 5,374 |
| Average equity | $6,371,500 | 5,346 |
| Average total loans | $43,053,000 | 4,898 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0892% | 528 |
| Cost of funding earning assets | 0.5784% | 1,512 |
| Net interest margin | 4.5108% | 637 |
| Noninterest income to average assets | 0.3489% | 4,411 |
| Noninterest expense to average assets | 3.4753% | 1,343 |
| Loan and lease loss provision to assets | 0.1840% | 1,219 |
| Net operating income to assets | 0.7610% | 3,522 |
| Return on assets (ROA) | 0.7610% | 3,610 |
| Pretax return on assets | 0.9354% | 3,705 |
| Return on Equity (ROE) | 6.3510% | 3,869 |
| Retained earnings to average equity (ytd only) | 2.7036% | 4,145 |
| Net charge-offs to loans | 0.0239% | 3,779 |
| Credit loss provision to net charge-offs | 960.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 58.4000% | 888 |
| Efficiency ratio | 75.6362% | 2,333 |
| Assets per employee ($millions) | 3.5835% | 4,670 |
| Cash dividends to net income (ytd only)* | 57.4307% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 3,288 |
| Loan loss allowance to noncurrent loans | 59.5914% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 2.0855% | 825 |
| Noncurrent loans to loans | 2.0664% | 999 |
| Net loans and leases to total assets | 78.3398% | 1,074 |
| Net loans and leases to deposits | 99.6639% | 698 |
| Net loans and leases to core deposits | 99.6639% | 1,533 |
| Total domestic deposits to total assets | 78.6040% | 5,047 |
| Equity capital to assets | 11.7407% | 2,158 |
| Core capital (leverage) ratio | 11.9114% | 1,676 |
| Tier 1 risk-based capital ratio | 21.0213% | 1,294 |
| Total risk-based capital ratio | 22.2788% | 1,272 |
| Memoranda: | ||
| Average total assets | $52,168,600 | 5,501 |
| Average earning assets | $49,104,400 | 5,459 |
| Average equity | $6,251,000 | 5,383 |
| Average total loans | $41,831,200 | 4,939 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0823% | 535 |
| Cost of funding earning assets | 0.5632% | 1,689 |
| Net interest margin | 4.5192% | 620 |
| Noninterest income to average assets | 0.3528% | 4,419 |
| Noninterest expense to average assets | 3.4277% | 1,419 |
| Loan and lease loss provision to assets | 0.1854% | 1,113 |
| Net operating income to assets | 0.8138% | 3,367 |
| Return on assets (ROA) | 0.8138% | 3,456 |
| Pretax return on assets | 1.0172% | 3,549 |
| Return on Equity (ROE) | 6.7563% | 3,753 |
| Retained earnings to average equity (ytd only) | 4.4472% | 3,299 |
| Net charge-offs to loans | 0.0128% | 3,728 |
| Credit loss provision to net charge-offs | 1,800.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 116.8199% | 551 |
| Efficiency ratio | 74.0267% | 2,552 |
| Assets per employee ($millions) | 3.5297% | 4,742 |
| Cash dividends to net income (ytd only)* | 34.1783% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 3,745 |
| Loan loss allowance to noncurrent loans | 65.6736% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 1.7263% | 1,253 |
| Noncurrent loans to loans | 1.8034% | 1,316 |
| Net loans and leases to total assets | 79.8927% | 836 |
| Net loans and leases to deposits | 102.6898% | 511 |
| Net loans and leases to core deposits | 102.6898% | 1,326 |
| Total domestic deposits to total assets | 77.8000% | 5,221 |
| Equity capital to assets | 11.9971% | 2,114 |
| Core capital (leverage) ratio | 12.1980% | 1,568 |
| Tier 1 risk-based capital ratio | 21.3033% | 1,294 |
| Total risk-based capital ratio | 22.5563% | 1,277 |
| Memoranda: | ||
| Average total assets | $51,772,500 | 5,580 |
| Average earning assets | $49,005,000 | 5,529 |
| Average equity | $6,236,000 | 5,451 |
| Average total loans | $41,630,250 | 5,000 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0062% | 587 |
| Cost of funding earning assets | 0.5713% | 1,635 |
| Net interest margin | 4.4349% | 718 |
| Noninterest income to average assets | 0.3464% | 4,479 |
| Noninterest expense to average assets | 3.4254% | 1,429 |
| Loan and lease loss provision to assets | 0.1868% | 1,075 |
| Net operating income to assets | 0.7318% | 3,726 |
| Return on assets (ROA) | 0.7318% | 3,839 |
| Pretax return on assets | 0.9342% | 3,826 |
| Return on Equity (ROE) | 6.0671% | 4,097 |
| Retained earnings to average equity (ytd only) | 2.5818% | 4,412 |
| Net charge-offs to loans | 0.0339% | 2,987 |
| Credit loss provision to net charge-offs | 685.7143% | 493 |
| Earnings coverage of net charge-offs (x) | 41.1429% | 1,113 |
| Efficiency ratio | 75.3425% | 2,485 |
| Assets per employee ($millions) | 3.4098% | 4,964 |
| Cash dividends to net income (ytd only)* | 57.4468% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 4,136 |
| Loan loss allowance to noncurrent loans | 60.6827% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 1.8496% | 1,241 |
| Noncurrent loans to loans | 1.8775% | 1,339 |
| Net loans and leases to total assets | 81.4339% | 617 |
| Net loans and leases to deposits | 100.2141% | 644 |
| Net loans and leases to core deposits | 100.2141% | 1,474 |
| Total domestic deposits to total assets | 81.2599% | 4,530 |
| Equity capital to assets | 12.1649% | 1,909 |
| Core capital (leverage) ratio | 11.9560% | 1,686 |
| Tier 1 risk-based capital ratio | 20.9809% | 1,367 |
| Total risk-based capital ratio | 22.2324% | 1,334 |
| Memoranda: | ||
| Average total assets | $51,381,330 | 5,648 |
| Average earning assets | $48,659,670 | 5,592 |
| Average equity | $6,197,330 | 5,504 |
| Average total loans | $41,238,000 | 5,061 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8535% | 776 |
| Cost of funding earning assets | 0.5657% | 1,699 |
| Net interest margin | 4.2878% | 900 |
| Noninterest income to average assets | 0.3651% | 4,293 |
| Noninterest expense to average assets | 3.2467% | 1,852 |
| Loan and lease loss provision to assets | 0.1864% | 1,014 |
| Net operating income to assets | 0.7224% | 3,681 |
| Return on assets (ROA) | 0.7224% | 3,816 |
| Pretax return on assets | 0.9942% | 3,534 |
| Return on Equity (ROE) | 6.0146% | 4,036 |
| Retained earnings to average equity (ytd only) | 6.0146% | 2,501 |
| Net charge-offs to loans | 0.1569% | 1,323 |
| Credit loss provision to net charge-offs | 150.0000% | 1,240 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 2,005 |
| Efficiency ratio | 73.3333% | 2,939 |
| Assets per employee ($millions) | 3.5148% | 4,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 4,540 |
| Loan loss allowance to noncurrent loans | 59.7594% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 1.9233% | 1,261 |
| Noncurrent loans to loans | 1.8339% | 1,468 |
| Net loans and leases to total assets | 76.5164% | 1,135 |
| Net loans and leases to deposits | 93.0030% | 1,088 |
| Net loans and leases to core deposits | 93.0030% | 1,851 |
| Total domestic deposits to total assets | 82.2731% | 4,426 |
| Equity capital to assets | 11.8433% | 2,157 |
| Core capital (leverage) ratio | 11.9415% | 1,676 |
| Tier 1 risk-based capital ratio | 21.7312% | 1,283 |
| Total risk-based capital ratio | 22.9813% | 1,258 |
| Memoranda: | ||
| Average total assets | $51,498,500 | 5,691 |
| Average earning assets | $48,790,000 | 5,641 |
| Average equity | $6,185,000 | 5,557 |
| Average total loans | $40,791,500 | 5,111 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1415% | 581 |
| Cost of funding earning assets | 0.6328% | 1,530 |
| Net interest margin | 4.5087% | 736 |
| Noninterest income to average assets | 0.4092% | 4,118 |
| Noninterest expense to average assets | 3.6185% | 1,266 |
| Loan and lease loss provision to assets | 0.3290% | 590 |
| Net operating income to assets | 0.6781% | 3,997 |
| Return on assets (ROA) | 0.6520% | 4,235 |
| Pretax return on assets | 0.6892% | 4,662 |
| Return on Equity (ROE) | 5.4782% | 4,420 |
| Retained earnings to average equity (ytd only) | 1.9248% | 4,839 |
| Net charge-offs to loans | 0.5204% | 784 |
| Credit loss provision to net charge-offs | 80.3828% | 2,854 |
| Earnings coverage of net charge-offs (x) | 2.5550% | 4,124 |
| Efficiency ratio | 77.5819% | 2,265 |
| Assets per employee ($millions) | 3.3517% | 5,163 |
| Cash dividends to net income (ytd only)* | 64.8649% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 4,659 |
| Loan loss allowance to noncurrent loans | 58.8472% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 1.8578% | 1,395 |
| Noncurrent loans to loans | 1.8287% | 1,563 |
| Net loans and leases to total assets | 80.2705% | 707 |
| Net loans and leases to deposits | 98.1635% | 748 |
| Net loans and leases to core deposits | 98.1635% | 1,537 |
| Total domestic deposits to total assets | 81.7723% | 4,496 |
| Equity capital to assets | 12.1850% | 1,876 |
| Core capital (leverage) ratio | 11.9638% | 1,647 |
| Tier 1 risk-based capital ratio | 21.5609% | 1,298 |
| Total risk-based capital ratio | 22.8143% | 1,274 |
| Memoranda: | ||
| Average total assets | $51,070,600 | 5,764 |
| Average earning assets | $48,195,600 | 5,717 |
| Average equity | $6,078,600 | 5,603 |
| Average total loans | $40,158,800 | 5,184 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1079% | 634 |
| Cost of funding earning assets | 0.6478% | 1,471 |
| Net interest margin | 4.4601% | 801 |
| Noninterest income to average assets | 0.4187% | 4,108 |
| Noninterest expense to average assets | 3.5810% | 1,326 |
| Loan and lease loss provision to assets | 0.2809% | 727 |
| Net operating income to assets | 0.6802% | 4,042 |
| Return on assets (ROA) | 0.6709% | 4,189 |
| Pretax return on assets | 0.7542% | 4,519 |
| Return on Equity (ROE) | 5.6701% | 4,412 |
| Retained earnings to average equity (ytd only) | 3.5602% | 4,115 |
| Net charge-offs to loans | 0.5233% | 731 |
| Credit loss provision to net charge-offs | 68.7898% | 2,791 |
| Earnings coverage of net charge-offs (x) | 2.5605% | 3,885 |
| Efficiency ratio | 77.4030% | 2,285 |
| Assets per employee ($millions) | 3.3505% | 5,142 |
| Cash dividends to net income (ytd only)* | 37.2104% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 4,930 |
| Loan loss allowance to noncurrent loans | 48.3726% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 2.6583% | 959 |
| Noncurrent loans to loans | 2.1991% | 1,383 |
| Net loans and leases to total assets | 79.7620% | 744 |
| Net loans and leases to deposits | 96.9901% | 795 |
| Net loans and leases to core deposits | 96.9901% | 1,592 |
| Total domestic deposits to total assets | 82.2373% | 4,403 |
| Equity capital to assets | 12.2968% | 1,829 |
| Core capital (leverage) ratio | 12.3733% | 1,479 |
| Tier 1 risk-based capital ratio | 21.4455% | 1,363 |
| Total risk-based capital ratio | 22.6931% | 1,333 |
| Memoranda: | ||
| Average total assets | $51,269,500 | 5,825 |
| Average earning assets | $48,368,500 | 5,779 |
| Average equity | $6,066,750 | 5,663 |
| Average total loans | $39,999,750 | 5,240 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0239% | 721 |
| Cost of funding earning assets | 0.6608% | 1,429 |
| Net interest margin | 4.3631% | 914 |
| Noninterest income to average assets | 0.3759% | 4,438 |
| Noninterest expense to average assets | 3.5499% | 1,389 |
| Loan and lease loss provision to assets | 0.1860% | 1,316 |
| Net operating income to assets | 0.6239% | 4,224 |
| Return on assets (ROA) | 0.6239% | 4,324 |
| Pretax return on assets | 0.7596% | 4,421 |
| Return on Equity (ROE) | 5.3409% | 4,513 |
| Retained earnings to average equity (ytd only) | 2.1562% | 4,815 |
| Net charge-offs to loans | 0.5373% | 757 |
| Credit loss provision to net charge-offs | 44.8598% | 2,867 |
| Earnings coverage of net charge-offs (x) | 2.2804% | 3,583 |
| Efficiency ratio | 78.9655% | 2,174 |
| Assets per employee ($millions) | 3.1238% | 5,558 |
| Cash dividends to net income (ytd only)* | 59.6273% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 5,113 |
| Loan loss allowance to noncurrent loans | 34.6787% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 3.3153% | 735 |
| Noncurrent loans to loans | 3.0274% | 951 |
| Net loans and leases to total assets | 79.3898% | 757 |
| Net loans and leases to deposits | 94.0640% | 952 |
| Net loans and leases to core deposits | 94.0640% | 1,769 |
| Total domestic deposits to total assets | 84.3998% | 3,776 |
| Equity capital to assets | 12.1389% | 1,890 |
| Core capital (leverage) ratio | 11.6181% | 1,913 |
| Tier 1 risk-based capital ratio | 21.2814% | 1,391 |
| Total risk-based capital ratio | 22.5339% | 1,361 |
| Memoranda: | ||
| Average total assets | $51,607,000 | 5,868 |
| Average earning assets | $48,726,670 | 5,819 |
| Average equity | $6,029,000 | 5,712 |
| Average total loans | $39,827,330 | 5,285 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8809% | 898 |
| Cost of funding earning assets | 0.6615% | 1,499 |
| Net interest margin | 4.2194% | 1,163 |
| Noninterest income to average assets | 0.3586% | 4,521 |
| Noninterest expense to average assets | 3.5482% | 1,400 |
| Loan and lease loss provision to assets | 0.1831% | 1,306 |
| Net operating income to assets | 0.5036% | 4,671 |
| Return on assets (ROA) | 0.5036% | 4,756 |
| Pretax return on assets | 0.6181% | 4,773 |
| Return on Equity (ROE) | 4.3927% | 4,842 |
| Retained earnings to average equity (ytd only) | 4.3927% | 3,491 |
| Net charge-offs to loans | 0.9876% | 340 |
| Credit loss provision to net charge-offs | 24.4898% | 2,455 |
| Earnings coverage of net charge-offs (x) | 1.0714% | 3,190 |
| Efficiency ratio | 81.5789% | 1,981 |
| Assets per employee ($millions) | 3.3495% | 5,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 5,402 |
| Loan loss allowance to noncurrent loans | 38.8889% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 3.1777% | 855 |
| Noncurrent loans to loans | 2.6506% | 1,286 |
| Net loans and leases to total assets | 72.7385% | 1,456 |
| Net loans and leases to deposits | 85.0782% | 1,713 |
| Net loans and leases to core deposits | 85.0782% | 2,411 |
| Total domestic deposits to total assets | 85.4960% | 3,614 |
| Equity capital to assets | 11.3021% | 2,420 |
| Core capital (leverage) ratio | 11.4163% | 2,031 |
| Tier 1 risk-based capital ratio | 21.4612% | 1,381 |
| Total risk-based capital ratio | 22.7120% | 1,357 |
| Memoranda: | ||
| Average total assets | $52,420,500 | 5,907 |
| Average earning assets | $49,581,000 | 5,850 |
| Average equity | $6,010,000 | 5,748 |
| Average total loans | $39,691,000 | 5,339 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2450% | 582 |
| Cost of funding earning assets | 0.8164% | 1,111 |
| Net interest margin | 4.4285% | 857 |
| Noninterest income to average assets | 0.5203% | 3,628 |
| Noninterest expense to average assets | 3.5573% | 1,534 |
| Loan and lease loss provision to assets | 0.1892% | 1,949 |
| Net operating income to assets | 0.7418% | 3,600 |
| Return on assets (ROA) | 0.7450% | 3,671 |
| Pretax return on assets | 0.9361% | 3,612 |
| Return on Equity (ROE) | 6.3177% | 3,914 |
| Retained earnings to average equity (ytd only) | 2.7076% | 4,313 |
| Net charge-offs to loans | 0.7457% | 861 |
| Credit loss provision to net charge-offs | 32.2148% | 4,206 |
| Earnings coverage of net charge-offs (x) | 1.9094% | 4,416 |
| Efficiency ratio | 76.0320% | 2,764 |
| Assets per employee ($millions) | 3.2031% | 5,485 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 4,659 |
| Loan loss allowance to noncurrent loans | 63.0749% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 2.6927% | 1,245 |
| Noncurrent loans to loans | 1.9028% | 2,113 |
| Net loans and leases to total assets | 77.1020% | 943 |
| Net loans and leases to deposits | 90.7617% | 1,179 |
| Net loans and leases to core deposits | 90.7617% | 1,931 |
| Total domestic deposits to total assets | 84.9500% | 3,776 |
| Equity capital to assets | 11.6353% | 2,076 |
| Core capital (leverage) ratio | 11.7516% | 1,790 |
| Tier 1 risk-based capital ratio | 21.0018% | 1,420 |
| Total risk-based capital ratio | 22.2558% | 1,400 |
| Memoranda: | ||
| Average total assets | $50,740,400 | 6,000 |
| Average earning assets | $47,645,400 | 5,948 |
| Average equity | $5,983,200 | 5,827 |
| Average total loans | $39,961,800 | 5,349 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2529% | 581 |
| Cost of funding earning assets | 0.8418% | 1,085 |
| Net interest margin | 4.4111% | 869 |
| Noninterest income to average assets | 0.5190% | 3,682 |
| Noninterest expense to average assets | 3.5458% | 1,505 |
| Loan and lease loss provision to assets | 0.1897% | 1,933 |
| Net operating income to assets | 0.7596% | 3,560 |
| Return on assets (ROA) | 0.7640% | 3,666 |
| Pretax return on assets | 0.9299% | 3,764 |
| Return on Equity (ROE) | 6.4570% | 3,952 |
| Retained earnings to average equity (ytd only) | 4.3195% | 3,605 |
| Net charge-offs to loans | 0.7976% | 739 |
| Credit loss provision to net charge-offs | 30.1255% | 3,893 |
| Earnings coverage of net charge-offs (x) | 1.7699% | 4,247 |
| Efficiency ratio | 76.0882% | 2,716 |
| Assets per employee ($millions) | 3.0556% | 5,757 |
| Cash dividends to net income (ytd only)* | 33.1040% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 4,419 |
| Loan loss allowance to noncurrent loans | 41.3987% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 3.7677% | 869 |
| Noncurrent loans to loans | 3.1285% | 1,263 |
| Net loans and leases to total assets | 80.2798% | 518 |
| Net loans and leases to deposits | 95.9140% | 695 |
| Net loans and leases to core deposits | 96.5202% | 1,349 |
| Total domestic deposits to total assets | 83.6998% | 4,317 |
| Equity capital to assets | 12.4036% | 1,633 |
| Core capital (leverage) ratio | 12.1355% | 1,595 |
| Tier 1 risk-based capital ratio | 21.3484% | 1,433 |
| Total risk-based capital ratio | 22.6115% | 1,395 |
| Memoranda: | ||
| Average total assets | $50,613,250 | 6,072 |
| Average earning assets | $47,515,250 | 6,018 |
| Average equity | $5,988,250 | 5,897 |
| Average total loans | $39,953,750 | 5,398 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2226% | 610 |
| Cost of funding earning assets | 0.8607% | 1,080 |
| Net interest margin | 4.3619% | 916 |
| Noninterest income to average assets | 0.5470% | 3,518 |
| Noninterest expense to average assets | 3.5086% | 1,585 |
| Loan and lease loss provision to assets | 0.1875% | 2,016 |
| Net operating income to assets | 0.7982% | 3,306 |
| Return on assets (ROA) | 0.8049% | 3,421 |
| Pretax return on assets | 0.9377% | 3,754 |
| Return on Equity (ROE) | 6.9093% | 3,658 |
| Retained earnings to average equity (ytd only) | 3.6894% | 3,961 |
| Net charge-offs to loans | 0.5748% | 1,152 |
| Credit loss provision to net charge-offs | 41.7391% | 3,383 |
| Earnings coverage of net charge-offs (x) | 2.4870% | 3,695 |
| Efficiency ratio | 75.8446% | 2,814 |
| Assets per employee ($millions) | 3.1374% | 5,605 |
| Cash dividends to net income (ytd only)* | 46.6019% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5410% | 3,400 |
| Loan loss allowance to noncurrent loans | 48.7322% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 3.8029% | 957 |
| Noncurrent loans to loans | 3.1621% | 1,387 |
| Net loans and leases to total assets | 78.2800% | 713 |
| Net loans and leases to deposits | 93.6844% | 828 |
| Net loans and leases to core deposits | 94.2597% | 1,502 |
| Total domestic deposits to total assets | 83.5571% | 4,490 |
| Equity capital to assets | 11.9527% | 1,946 |
| Core capital (leverage) ratio | 11.6454% | 1,835 |
| Tier 1 risk-based capital ratio | 20.8089% | 1,542 |
| Total risk-based capital ratio | 22.0666% | 1,509 |
| Memoranda: | ||
| Average total assets | $51,188,000 | 6,097 |
| Average earning assets | $47,869,330 | 6,046 |
| Average equity | $5,963,000 | 5,947 |
| Average total loans | $40,017,330 | 5,425 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1853% | 617 |
| Cost of funding earning assets | 0.8767% | 1,102 |
| Net interest margin | 4.3086% | 955 |
| Noninterest income to average assets | 0.3870% | 4,565 |
| Noninterest expense to average assets | 3.4982% | 1,622 |
| Loan and lease loss provision to assets | 0.1857% | 1,989 |
| Net operating income to assets | 0.7662% | 3,351 |
| Return on assets (ROA) | 0.7817% | 3,403 |
| Pretax return on assets | 0.7120% | 4,523 |
| Return on Equity (ROE) | 6.7962% | 3,596 |
| Retained earnings to average equity (ytd only) | 6.7962% | 2,253 |
| Net charge-offs to loans | -0.0299% | 5,896 |
| Credit loss provision to net charge-offs | -800.0000% | 5,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8587% | 2,354 |
| Assets per employee ($millions) | 3.2906% | 5,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7745% | 2,714 |
| Loan loss allowance to noncurrent loans | 54.7913% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 3.7532% | 1,103 |
| Noncurrent loans to loans | 3.2386% | 1,507 |
| Net loans and leases to total assets | 74.5427% | 1,009 |
| Net loans and leases to deposits | 88.2052% | 1,125 |
| Net loans and leases to core deposits | 88.2052% | 1,886 |
| Total domestic deposits to total assets | 84.5106% | 4,260 |
| Equity capital to assets | 11.3848% | 2,543 |
| Core capital (leverage) ratio | 11.5678% | 1,835 |
| Tier 1 risk-based capital ratio | 20.6640% | 1,621 |
| Total risk-based capital ratio | 21.9286% | 1,582 |
| Memoranda: | ||
| Average total assets | $51,683,000 | 6,138 |
| Average earning assets | $47,904,500 | 6,102 |
| Average equity | $5,944,500 | 6,001 |
| Average total loans | $40,071,000 | 5,460 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5472% | 569 |
| Cost of funding earning assets | 1.0273% | 1,218 |
| Net interest margin | 4.5199% | 906 |
| Noninterest income to average assets | 0.4424% | 4,300 |
| Noninterest expense to average assets | 3.3982% | 2,051 |
| Loan and lease loss provision to assets | 0.2318% | 2,817 |
| Net operating income to assets | 0.7728% | 3,401 |
| Return on assets (ROA) | 0.7728% | 3,656 |
| Pretax return on assets | 1.0626% | 3,305 |
| Return on Equity (ROE) | 6.9116% | 3,694 |
| Retained earnings to average equity (ytd only) | 3.2830% | 3,918 |
| Net charge-offs to loans | 0.3660% | 2,803 |
| Credit loss provision to net charge-offs | 82.1918% | 3,756 |
| Earnings coverage of net charge-offs (x) | 4.5890% | 3,314 |
| Efficiency ratio | 72.4166% | 3,339 |
| Assets per employee ($millions) | 3.3811% | 5,260 |
| Cash dividends to net income (ytd only)* | 52.5000% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6971% | 2,943 |
| Loan loss allowance to noncurrent loans | 50.7440% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 3.9001% | 1,116 |
| Noncurrent loans to loans | 3.3444% | 1,525 |
| Net loans and leases to total assets | 77.8930% | 691 |
| Net loans and leases to deposits | 92.2281% | 895 |
| Net loans and leases to core deposits | 93.3329% | 1,522 |
| Total domestic deposits to total assets | 84.4569% | 4,099 |
| Equity capital to assets | 11.6233% | 2,330 |
| Core capital (leverage) ratio | 11.5860% | 1,816 |
| Tier 1 risk-based capital ratio | 20.4892% | 1,563 |
| Total risk-based capital ratio | 21.3011% | 1,634 |
| Memoranda: | ||
| Average total assets | $51,762,000 | 6,150 |
| Average earning assets | $48,673,200 | 6,097 |
| Average equity | $5,787,400 | 6,078 |
| Average total loans | $39,888,200 | 5,511 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5032% | 673 |
| Cost of funding earning assets | 1.0478% | 1,292 |
| Net interest margin | 4.4554% | 1,083 |
| Noninterest income to average assets | 0.4408% | 4,358 |
| Noninterest expense to average assets | 3.3753% | 2,069 |
| Loan and lease loss provision to assets | 0.2307% | 2,742 |
| Net operating income to assets | 0.7535% | 3,676 |
| Return on assets (ROA) | 0.7535% | 3,931 |
| Pretax return on assets | 1.0303% | 3,599 |
| Return on Equity (ROE) | 6.8048% | 3,907 |
| Retained earnings to average equity (ytd only) | 4.7216% | 3,579 |
| Net charge-offs to loans | 0.2110% | 3,466 |
| Credit loss provision to net charge-offs | 142.8571% | 2,010 |
| Earnings coverage of net charge-offs (x) | 7.8093% | 2,546 |
| Efficiency ratio | 72.8027% | 3,186 |
| Assets per employee ($millions) | 3.3745% | 5,270 |
| Cash dividends to net income (ytd only)* | 30.6130% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8223% | 2,724 |
| Loan loss allowance to noncurrent loans | 48.6433% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 4.1685% | 1,145 |
| Noncurrent loans to loans | 3.7462% | 1,423 |
| Net loans and leases to total assets | 78.2311% | 705 |
| Net loans and leases to deposits | 95.0825% | 721 |
| Net loans and leases to core deposits | 95.6613% | 1,436 |
| Total domestic deposits to total assets | 82.2771% | 4,927 |
| Equity capital to assets | 11.6500% | 2,594 |
| Core capital (leverage) ratio | 11.2901% | 2,148 |
| Tier 1 risk-based capital ratio | 20.2671% | 1,691 |
| Total risk-based capital ratio | 21.2610% | 1,727 |
| Memoranda: | ||
| Average total assets | $52,023,250 | 6,218 |
| Average earning assets | $48,988,500 | 6,163 |
| Average equity | $5,760,500 | 6,156 |
| Average total loans | $39,813,500 | 5,584 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4718% | 760 |
| Cost of funding earning assets | 1.0716% | 1,353 |
| Net interest margin | 4.4002% | 1,195 |
| Noninterest income to average assets | 0.4191% | 4,513 |
| Noninterest expense to average assets | 3.3834% | 2,071 |
| Loan and lease loss provision to assets | 0.2286% | 2,789 |
| Net operating income to assets | 0.6820% | 3,970 |
| Return on assets (ROA) | 0.6820% | 4,231 |
| Pretax return on assets | 0.9373% | 3,933 |
| Return on Equity (ROE) | 6.2642% | 4,177 |
| Retained earnings to average equity (ytd only) | 3.1146% | 4,559 |
| Net charge-offs to loans | 0.3078% | 2,797 |
| Credit loss provision to net charge-offs | 98.3607% | 2,819 |
| Earnings coverage of net charge-offs (x) | 5.0164% | 2,931 |
| Efficiency ratio | 74.3719% | 3,013 |
| Assets per employee ($millions) | 3.4287% | 5,144 |
| Cash dividends to net income (ytd only)* | 50.2793% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7805% | 2,921 |
| Loan loss allowance to noncurrent loans | 44.8320% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 4.2873% | 1,162 |
| Noncurrent loans to loans | 3.9716% | 1,395 |
| Net loans and leases to total assets | 75.8298% | 988 |
| Net loans and leases to deposits | 91.3691% | 1,014 |
| Net loans and leases to core deposits | 92.4631% | 1,736 |
| Total domestic deposits to total assets | 82.9927% | 4,758 |
| Equity capital to assets | 11.1917% | 2,900 |
| Core capital (leverage) ratio | 10.7098% | 2,584 |
| Tier 1 risk-based capital ratio | 19.7200% | 1,781 |
| Total risk-based capital ratio | 20.9860% | 1,740 |
| Memoranda: | ||
| Average total assets | $52,491,670 | 6,250 |
| Average earning assets | $49,271,000 | 6,184 |
| Average equity | $5,715,000 | 6,190 |
| Average total loans | $39,640,000 | 5,621 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4007% | 908 |
| Cost of funding earning assets | 1.0914% | 1,444 |
| Net interest margin | 4.3094% | 1,437 |
| Noninterest income to average assets | 0.4149% | 4,559 |
| Noninterest expense to average assets | 3.4476% | 1,887 |
| Loan and lease loss provision to assets | 0.2263% | 2,684 |
| Net operating income to assets | 0.5884% | 4,398 |
| Return on assets (ROA) | 0.5884% | 4,616 |
| Pretax return on assets | 0.7921% | 4,442 |
| Return on Equity (ROE) | 5.4790% | 4,558 |
| Retained earnings to average equity (ytd only) | 5.4790% | 3,272 |
| Net charge-offs to loans | -0.0808% | 6,715 |
| Credit loss provision to net charge-offs | -375.0000% | 5,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1959% | 2,619 |
| Assets per employee ($millions) | 3.6918% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8887% | 2,714 |
| Loan loss allowance to noncurrent loans | 51.7337% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 3.7525% | 1,493 |
| Noncurrent loans to loans | 3.6507% | 1,700 |
| Net loans and leases to total assets | 69.9803% | 1,756 |
| Net loans and leases to deposits | 83.8955% | 1,675 |
| Net loans and leases to core deposits | 84.8191% | 2,433 |
| Total domestic deposits to total assets | 83.4137% | 4,753 |
| Equity capital to assets | 10.3852% | 3,630 |
| Core capital (leverage) ratio | 10.7589% | 2,480 |
| Tier 1 risk-based capital ratio | 19.8909% | 1,734 |
| Total risk-based capital ratio | 21.1589% | 1,707 |
| Memoranda: | ||
| Average total assets | $53,022,000 | 6,265 |
| Average earning assets | $49,845,000 | 6,200 |
| Average equity | $5,694,500 | 6,227 |
| Average total loans | $39,606,500 | 5,659 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9609% | 459 |
| Cost of funding earning assets | 1.3810% | 1,117 |
| Net interest margin | 4.5799% | 958 |
| Noninterest income to average assets | 0.4039% | 4,582 |
| Noninterest expense to average assets | 3.1182% | 3,138 |
| Loan and lease loss provision to assets | 0.3964% | 2,617 |
| Net operating income to assets | 0.4153% | 4,788 |
| Return on assets (ROA) | 0.4153% | 4,975 |
| Pretax return on assets | 0.9456% | 3,443 |
| Return on Equity (ROE) | 3.8816% | 4,909 |
| Retained earnings to average equity (ytd only) | 0.7057% | 5,517 |
| Net charge-offs to loans | 1.2041% | 1,394 |
| Credit loss provision to net charge-offs | 42.5963% | 5,580 |
| Earnings coverage of net charge-offs (x) | 1.4422% | 4,687 |
| Efficiency ratio | 69.9111% | 3,981 |
| Assets per employee ($millions) | 3.3778% | 5,307 |
| Cash dividends to net income (ytd only)* | 81.8182% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7827% | 2,926 |
| Loan loss allowance to noncurrent loans | 62.2144% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 3.5368% | 1,672 |
| Noncurrent loans to loans | 2.8655% | 2,279 |
| Net loans and leases to total assets | 76.9850% | 825 |
| Net loans and leases to deposits | 93.7622% | 829 |
| Net loans and leases to core deposits | 94.9074% | 1,599 |
| Total domestic deposits to total assets | 82.1067% | 5,094 |
| Equity capital to assets | 11.1276% | 2,862 |
| Core capital (leverage) ratio | 10.9640% | 2,300 |
| Tier 1 risk-based capital ratio | 19.3174% | 1,810 |
| Total risk-based capital ratio | 20.5827% | 1,774 |
| Memoranda: | ||
| Average total assets | $52,980,000 | 6,263 |
| Average earning assets | $46,922,600 | 6,299 |
| Average equity | $5,667,800 | 6,241 |
| Average total loans | $40,944,200 | 5,644 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9915% | 471 |
| Cost of funding earning assets | 1.4203% | 1,150 |
| Net interest margin | 4.5712% | 1,004 |
| Noninterest income to average assets | 0.4406% | 4,361 |
| Noninterest expense to average assets | 3.1566% | 2,971 |
| Loan and lease loss provision to assets | 0.4481% | 2,229 |
| Net operating income to assets | 0.5925% | 4,121 |
| Return on assets (ROA) | 0.5925% | 4,306 |
| Pretax return on assets | 0.8340% | 4,004 |
| Return on Equity (ROE) | 5.5915% | 4,234 |
| Retained earnings to average equity (ytd only) | 4.1818% | 3,757 |
| Net charge-offs to loans | 1.1377% | 1,388 |
| Credit loss provision to net charge-offs | 51.1364% | 5,015 |
| Earnings coverage of net charge-offs (x) | 1.4631% | 4,535 |
| Efficiency ratio | 71.1161% | 3,718 |
| Assets per employee ($millions) | 3.3776% | 5,304 |
| Cash dividends to net income (ytd only)* | 25.2103% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0292% | 2,255 |
| Loan loss allowance to noncurrent loans | 52.3323% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 4.4392% | 1,350 |
| Noncurrent loans to loans | 3.8776% | 1,724 |
| Net loans and leases to total assets | 73.1685% | 1,473 |
| Net loans and leases to deposits | 90.3588% | 1,173 |
| Net loans and leases to core deposits | 90.3588% | 2,207 |
| Total domestic deposits to total assets | 80.9756% | 5,442 |
| Equity capital to assets | 10.6678% | 3,495 |
| Core capital (leverage) ratio | 11.0394% | 2,353 |
| Tier 1 risk-based capital ratio | 19.4155% | 1,839 |
| Total risk-based capital ratio | 20.6835% | 1,805 |
| Memoranda: | ||
| Average total assets | $53,558,250 | 6,295 |
| Average earning assets | $46,843,250 | 6,350 |
| Average equity | $5,675,250 | 6,283 |
| Average total loans | $41,251,750 | 5,678 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0513% | 432 |
| Cost of funding earning assets | 1.4621% | 1,157 |
| Net interest margin | 4.5891% | 923 |
| Noninterest income to average assets | 0.4682% | 4,129 |
| Noninterest expense to average assets | 3.2399% | 2,766 |
| Loan and lease loss provision to assets | 0.4495% | 2,171 |
| Net operating income to assets | 0.5319% | 4,369 |
| Return on assets (ROA) | 0.5319% | 4,515 |
| Pretax return on assets | 0.7641% | 4,163 |
| Return on Equity (ROE) | 5.0307% | 4,435 |
| Retained earnings to average equity (ytd only) | 2.9051% | 4,434 |
| Net charge-offs to loans | 1.5596% | 940 |
| Credit loss provision to net charge-offs | 37.0370% | 4,869 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,544 |
| Efficiency ratio | 72.7502% | 3,592 |
| Assets per employee ($millions) | 3.2374% | 5,554 |
| Cash dividends to net income (ytd only)* | 42.2535% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9221% | 2,599 |
| Loan loss allowance to noncurrent loans | 49.4036% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 5.0097% | 1,223 |
| Noncurrent loans to loans | 3.8907% | 1,787 |
| Net loans and leases to total assets | 77.5247% | 843 |
| Net loans and leases to deposits | 97.6652% | 612 |
| Net loans and leases to core deposits | 97.6652% | 1,527 |
| Total domestic deposits to total assets | 79.3780% | 5,988 |
| Equity capital to assets | 10.9809% | 2,981 |
| Core capital (leverage) ratio | 10.4178% | 2,800 |
| Tier 1 risk-based capital ratio | 18.7320% | 1,927 |
| Total risk-based capital ratio | 19.9953% | 1,890 |
| Memoranda: | ||
| Average total assets | $53,397,330 | 6,357 |
| Average earning assets | $46,370,330 | 6,430 |
| Average equity | $5,645,330 | 6,336 |
| Average total loans | $41,549,000 | 5,729 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2812% | 294 |
| Cost of funding earning assets | 1.5286% | 1,057 |
| Net interest margin | 4.7526% | 634 |
| Noninterest income to average assets | 0.4724% | 4,101 |
| Noninterest expense to average assets | 3.2327% | 2,764 |
| Loan and lease loss provision to assets | 0.4428% | 1,988 |
| Net operating income to assets | 0.5019% | 4,483 |
| Return on assets (ROA) | 0.5019% | 4,565 |
| Pretax return on assets | 0.7897% | 3,937 |
| Return on Equity (ROE) | 4.8364% | 4,487 |
| Retained earnings to average equity (ytd only) | 4.8364% | 3,289 |
| Net charge-offs to loans | 1.3859% | 990 |
| Credit loss provision to net charge-offs | 41.3793% | 3,917 |
| Earnings coverage of net charge-offs (x) | 1.1517% | 3,795 |
| Efficiency ratio | 72.3967% | 3,790 |
| Assets per employee ($millions) | 3.4447% | 5,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1907% | 1,987 |
| Loan loss allowance to noncurrent loans | 44.6305% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 5.3561% | 1,152 |
| Noncurrent loans to loans | 4.9085% | 1,381 |
| Net loans and leases to total assets | 73.3938% | 1,439 |
| Net loans and leases to deposits | 90.8399% | 1,139 |
| Net loans and leases to core deposits | 90.8399% | 2,256 |
| Total domestic deposits to total assets | 80.7947% | 5,721 |
| Equity capital to assets | 10.2640% | 3,453 |
| Core capital (leverage) ratio | 10.2033% | 2,926 |
| Tier 1 risk-based capital ratio | 17.9093% | 2,142 |
| Total risk-based capital ratio | 19.1977% | 2,102 |
| Memoranda: | ||
| Average total assets | $54,196,500 | 6,367 |
| Average earning assets | $45,533,000 | 6,503 |
| Average equity | $5,624,000 | 6,358 |
| Average total loans | $41,851,500 | 5,765 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5010% | 320 |
| Cost of funding earning assets | 1.7421% | 1,414 |
| Net interest margin | 4.7589% | 720 |
| Noninterest income to average assets | 0.5001% | 4,167 |
| Noninterest expense to average assets | 3.2656% | 2,853 |
| Loan and lease loss provision to assets | 0.9610% | 1,688 |
| Net operating income to assets | 0.3490% | 4,742 |
| Return on assets (ROA) | 0.3490% | 4,908 |
| Pretax return on assets | 0.4329% | 4,842 |
| Return on Equity (ROE) | 3.4041% | 4,791 |
| Retained earnings to average equity (ytd only) | 3.4041% | 3,488 |
| Net charge-offs to loans | 1.8620% | 1,113 |
| Credit loss provision to net charge-offs | 63.4236% | 6,018 |
| Earnings coverage of net charge-offs (x) | 0.9200% | 5,190 |
| Efficiency ratio | 70.0841% | 4,168 |
| Assets per employee ($millions) | 3.5519% | 4,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3402% | 1,632 |
| Loan loss allowance to noncurrent loans | 42.3323% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 6.1432% | 953 |
| Noncurrent loans to loans | 5.5283% | 1,188 |
| Net loans and leases to total assets | 77.6212% | 1,003 |
| Net loans and leases to deposits | 96.8388% | 795 |
| Net loans and leases to core deposits | 96.8388% | 1,909 |
| Total domestic deposits to total assets | 80.1550% | 5,791 |
| Equity capital to assets | 10.4940% | 3,162 |
| Core capital (leverage) ratio | 10.3726% | 2,700 |
| Tier 1 risk-based capital ratio | 16.4466% | 2,543 |
| Total risk-based capital ratio | 17.7301% | 2,501 |
| Memoranda: | ||
| Average total assets | $53,589,000 | 6,416 |
| Average earning assets | $46,838,800 | 6,484 |
| Average equity | $5,493,400 | 6,509 |
| Average total loans | $43,610,000 | 5,763 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4843% | 353 |
| Cost of funding earning assets | 1.7780% | 1,522 |
| Net interest margin | 4.7063% | 836 |
| Noninterest income to average assets | 0.5019% | 4,172 |
| Noninterest expense to average assets | 3.3092% | 2,542 |
| Loan and lease loss provision to assets | 0.9813% | 1,523 |
| Net operating income to assets | 0.2857% | 5,222 |
| Return on assets (ROA) | 0.2857% | 5,385 |
| Pretax return on assets | 0.3478% | 5,374 |
| Return on Equity (ROE) | 2.8036% | 5,310 |
| Retained earnings to average equity (ytd only) | 2.8036% | 4,470 |
| Net charge-offs to loans | 2.3524% | 744 |
| Credit loss provision to net charge-offs | 50.9677% | 5,865 |
| Earnings coverage of net charge-offs (x) | 0.6903% | 5,358 |
| Efficiency ratio | 71.3444% | 3,828 |
| Assets per employee ($millions) | 3.3179% | 5,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1332% | 1,919 |
| Loan loss allowance to noncurrent loans | 48.3751% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 5.0767% | 1,265 |
| Noncurrent loans to loans | 4.4097% | 1,648 |
| Net loans and leases to total assets | 78.4708% | 958 |
| Net loans and leases to deposits | 97.7795% | 814 |
| Net loans and leases to core deposits | 97.7795% | 2,067 |
| Total domestic deposits to total assets | 80.2528% | 5,621 |
| Equity capital to assets | 10.4189% | 3,616 |
| Core capital (leverage) ratio | 10.3997% | 2,802 |
| Tier 1 risk-based capital ratio | 16.5270% | 2,547 |
| Total risk-based capital ratio | 17.7962% | 2,497 |
| Memoranda: | ||
| Average total assets | $53,666,750 | 6,487 |
| Average earning assets | $47,169,250 | 6,552 |
| Average equity | $5,469,000 | 6,600 |
| Average total loans | $43,926,000 | 5,831 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3645% | 441 |
| Cost of funding earning assets | 1.8094% | 1,610 |
| Net interest margin | 4.5551% | 1,094 |
| Noninterest income to average assets | 0.5273% | 3,897 |
| Noninterest expense to average assets | 3.2751% | 2,645 |
| Loan and lease loss provision to assets | 1.0212% | 1,430 |
| Net operating income to assets | 0.2302% | 5,457 |
| Return on assets (ROA) | 0.2302% | 5,594 |
| Pretax return on assets | 0.2599% | 5,626 |
| Return on Equity (ROE) | 2.2759% | 5,548 |
| Retained earnings to average equity (ytd only) | 2.2759% | 4,706 |
| Net charge-offs to loans | 2.0910% | 864 |
| Credit loss provision to net charge-offs | 59.2672% | 5,225 |
| Earnings coverage of net charge-offs (x) | 0.7435% | 5,006 |
| Efficiency ratio | 71.8826% | 3,836 |
| Assets per employee ($millions) | 3.3092% | 5,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4942% | 1,310 |
| Loan loss allowance to noncurrent loans | 43.5765% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 6.0476% | 967 |
| Noncurrent loans to loans | 5.7238% | 1,137 |
| Net loans and leases to total assets | 81.1434% | 650 |
| Net loans and leases to deposits | 101.5146% | 620 |
| Net loans and leases to core deposits | 101.5146% | 1,865 |
| Total domestic deposits to total assets | 79.9328% | 5,749 |
| Equity capital to assets | 10.3783% | 3,546 |
| Core capital (leverage) ratio | 9.9594% | 3,208 |
| Tier 1 risk-based capital ratio | 16.2734% | 2,563 |
| Total risk-based capital ratio | 17.5626% | 2,499 |
| Memoranda: | ||
| Average total assets | $53,860,330 | 6,523 |
| Average earning assets | $47,639,330 | 6,563 |
| Average equity | $5,448,330 | 6,633 |
| Average total loans | $44,379,670 | 5,845 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2284% | 606 |
| Cost of funding earning assets | 1.8083% | 1,843 |
| Net interest margin | 4.4202% | 1,334 |
| Noninterest income to average assets | 0.5229% | 3,865 |
| Noninterest expense to average assets | 3.2034% | 2,849 |
| Loan and lease loss provision to assets | 1.1414% | 1,075 |
| Net operating income to assets | 0.0589% | 6,133 |
| Return on assets (ROA) | 0.0589% | 6,242 |
| Pretax return on assets | 0.0663% | 6,216 |
| Return on Equity (ROE) | 0.5899% | 6,239 |
| Retained earnings to average equity (ytd only) | 0.5899% | 5,590 |
| Net charge-offs to loans | 3.5744% | 391 |
| Credit loss provision to net charge-offs | 38.9447% | 4,659 |
| Earnings coverage of net charge-offs (x) | 0.4121% | 4,664 |
| Efficiency ratio | 72.6210% | 3,822 |
| Assets per employee ($millions) | 3.4608% | 5,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3647% | 1,468 |
| Loan loss allowance to noncurrent loans | 36.5768% | 5,931 |
| Noncurrent assets plus other real estate owned to assets | 6.1186% | 964 |
| Noncurrent loans to loans | 6.4650% | 966 |
| Net loans and leases to total assets | 77.9221% | 1,169 |
| Net loans and leases to deposits | 99.5846% | 785 |
| Net loans and leases to core deposits | 100.1648% | 2,110 |
| Total domestic deposits to total assets | 78.2471% | 6,254 |
| Equity capital to assets | 9.8281% | 4,077 |
| Core capital (leverage) ratio | 9.8739% | 3,313 |
| Tier 1 risk-based capital ratio | 16.2989% | 2,528 |
| Total risk-based capital ratio | 17.5911% | 2,472 |
| Memoranda: | ||
| Average total assets | $54,317,000 | 6,596 |
| Average earning assets | $47,781,000 | 6,638 |
| Average equity | $5,425,000 | 6,700 |
| Average total loans | $44,538,500 | 5,910 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6602% | 505 |
| Cost of funding earning assets | 1.9785% | 3,066 |
| Net interest margin | 4.6818% | 866 |
| Noninterest income to average assets | 0.5411% | 4,101 |
| Noninterest expense to average assets | 3.3491% | 2,840 |
| Loan and lease loss provision to assets | 2.2709% | 904 |
| Net operating income to assets | -0.5233% | 6,212 |
| Return on assets (ROA) | -0.5233% | 6,200 |
| Pretax return on assets | -0.7425% | 6,229 |
| Return on Equity (ROE) | -4.6068% | 6,181 |
| Retained earnings to average equity (ytd only) | -7.2144% | 6,261 |
| Net charge-offs to loans | 0.4664% | 3,914 |
| Credit loss provision to net charge-offs | 563.7255% | 534 |
| Earnings coverage of net charge-offs (x) | 3.7941% | 3,195 |
| Efficiency ratio | 68.6640% | 4,889 |
| Assets per employee ($millions) | 3.3289% | 5,432 |
| Cash dividends to net income (ytd only)* | -56.6038% | 7,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8696% | 866 |
| Loan loss allowance to noncurrent loans | 36.0582% | 6,029 |
| Noncurrent assets plus other real estate owned to assets | 7.3674% | 668 |
| Noncurrent loans to loans | 7.9581% | 636 |
| Net loans and leases to total assets | 81.8539% | 705 |
| Net loans and leases to deposits | 106.8816% | 507 |
| Net loans and leases to core deposits | 117.7502% | 2,158 |
| Total domestic deposits to total assets | 76.5837% | 6,570 |
| Equity capital to assets | 10.1536% | 3,559 |
| Core capital (leverage) ratio | 10.3114% | 2,776 |
| Tier 1 risk-based capital ratio | 14.6711% | 3,118 |
| Total risk-based capital ratio | 15.9505% | 3,054 |
| Memoranda: | ||
| Average total assets | $50,640,600 | 6,680 |
| Average earning assets | $46,905,200 | 6,640 |
| Average equity | $5,752,400 | 6,692 |
| Average total loans | $43,740,000 | 5,944 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7964% | 421 |
| Cost of funding earning assets | 1.9888% | 3,417 |
| Net interest margin | 4.8075% | 671 |
| Noninterest income to average assets | 0.5388% | 4,170 |
| Noninterest expense to average assets | 3.4409% | 2,447 |
| Loan and lease loss provision to assets | 1.2803% | 1,503 |
| Net operating income to assets | 0.2054% | 5,132 |
| Return on assets (ROA) | 0.2054% | 5,224 |
| Pretax return on assets | 0.2987% | 5,067 |
| Return on Equity (ROE) | 1.7583% | 5,246 |
| Retained earnings to average equity (ytd only) | -1.6670% | 5,649 |
| Net charge-offs to loans | 0.3897% | 3,705 |
| Credit loss provision to net charge-offs | 377.9528% | 1,066 |
| Earnings coverage of net charge-offs (x) | 4.6614% | 3,049 |
| Efficiency ratio | 68.5441% | 4,877 |
| Assets per employee ($millions) | 3.1406% | 5,809 |
| Cash dividends to net income (ytd only)* | 194.8178% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5400% | 3,228 |
| Loan loss allowance to noncurrent loans | 25.6363% | 6,748 |
| Noncurrent assets plus other real estate owned to assets | 6.0021% | 897 |
| Noncurrent loans to loans | 6.0072% | 981 |
| Net loans and leases to total assets | 88.4276% | 178 |
| Net loans and leases to deposits | 114.2203% | 317 |
| Net loans and leases to core deposits | 125.6476% | 1,766 |
| Total domestic deposits to total assets | 77.4185% | 6,235 |
| Equity capital to assets | 11.5246% | 2,560 |
| Core capital (leverage) ratio | 11.4268% | 2,110 |
| Tier 1 risk-based capital ratio | 16.6278% | 2,382 |
| Total risk-based capital ratio | 17.8867% | 2,330 |
| Memoranda: | ||
| Average total assets | $49,985,250 | 6,759 |
| Average earning assets | $46,592,250 | 6,710 |
| Average equity | $5,838,500 | 6,724 |
| Average total loans | $43,453,750 | 6,000 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7875% | 463 |
| Cost of funding earning assets | 2.0488% | 3,527 |
| Net interest margin | 4.7387% | 748 |
| Noninterest income to average assets | 0.5612% | 3,959 |
| Noninterest expense to average assets | 3.4912% | 2,361 |
| Loan and lease loss provision to assets | 0.4810% | 3,121 |
| Net operating income to assets | 0.6694% | 3,386 |
| Return on assets (ROA) | 0.6694% | 3,498 |
| Pretax return on assets | 0.9740% | 3,100 |
| Return on Equity (ROE) | 5.7052% | 3,784 |
| Retained earnings to average equity (ytd only) | 0.5808% | 4,962 |
| Net charge-offs to loans | 0.6155% | 2,498 |
| Credit loss provision to net charge-offs | 90.9091% | 4,890 |
| Earnings coverage of net charge-offs (x) | 2.7500% | 3,709 |
| Efficiency ratio | 70.5835% | 4,663 |
| Assets per employee ($millions) | 3.1211% | 5,806 |
| Cash dividends to net income (ytd only)* | 89.8204% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7489% | 7,304 |
| Loan loss allowance to noncurrent loans | 13.7615% | 7,408 |
| Noncurrent assets plus other real estate owned to assets | 5.4588% | 928 |
| Noncurrent loans to loans | 5.4423% | 1,068 |
| Net loans and leases to total assets | 87.5726% | 266 |
| Net loans and leases to deposits | 109.2754% | 589 |
| Net loans and leases to core deposits | 119.0245% | 2,453 |
| Total domestic deposits to total assets | 80.1394% | 5,422 |
| Equity capital to assets | 11.4902% | 2,547 |
| Core capital (leverage) ratio | 11.3424% | 2,176 |
| Tier 1 risk-based capital ratio | 16.7289% | 2,390 |
| Total risk-based capital ratio | 17.6920% | 2,413 |
| Memoranda: | ||
| Average total assets | $49,897,330 | 6,830 |
| Average earning assets | $46,173,000 | 6,792 |
| Average equity | $5,854,330 | 6,780 |
| Average total loans | $42,895,330 | 6,072 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8196% | 467 |
| Cost of funding earning assets | 2.1383% | 3,474 |
| Net interest margin | 4.6813% | 798 |
| Noninterest income to average assets | 0.5614% | 3,823 |
| Noninterest expense to average assets | 3.5367% | 2,014 |
| Loan and lease loss provision to assets | 0.4812% | 2,557 |
| Net operating income to assets | 0.6015% | 4,002 |
| Return on assets (ROA) | 0.6015% | 4,196 |
| Pretax return on assets | 0.8100% | 4,043 |
| Return on Equity (ROE) | 5.0740% | 4,446 |
| Retained earnings to average equity (ytd only) | 5.0740% | 3,077 |
| Net charge-offs to loans | 0.9926% | 1,354 |
| Credit loss provision to net charge-offs | 57.1429% | 4,564 |
| Earnings coverage of net charge-offs (x) | 1.5333% | 3,960 |
| Efficiency ratio | 73.2558% | 3,959 |
| Assets per employee ($millions) | 3.1570% | 5,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7033% | 7,436 |
| Loan loss allowance to noncurrent loans | 19.7736% | 7,182 |
| Noncurrent assets plus other real estate owned to assets | 3.6447% | 1,454 |
| Noncurrent loans to loans | 3.5568% | 1,775 |
| Net loans and leases to total assets | 83.0139% | 843 |
| Net loans and leases to deposits | 103.6151% | 1,039 |
| Net loans and leases to core deposits | 111.4353% | 3,268 |
| Total domestic deposits to total assets | 80.1176% | 5,325 |
| Equity capital to assets | 11.7061% | 2,444 |
| Core capital (leverage) ratio | 11.7907% | 2,006 |
| Tier 1 risk-based capital ratio | 16.8602% | 2,381 |
| Total risk-based capital ratio | 17.6992% | 2,474 |
| Memoranda: | ||
| Average total assets | $49,877,000 | 6,873 |
| Average earning assets | $45,457,000 | 6,860 |
| Average equity | $5,912,500 | 6,807 |
| Average total loans | $42,312,000 | 6,123 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9587% | 1,239 |
| Cost of funding earning assets | 2.3791% | 4,819 |
| Net interest margin | 4.5796% | 1,232 |
| Noninterest income to average assets | 0.6258% | 3,667 |
| Noninterest expense to average assets | 3.4297% | 2,581 |
| Loan and lease loss provision to assets | 0.5471% | 2,632 |
| Net operating income to assets | 0.7143% | 3,832 |
| Return on assets (ROA) | 0.7187% | 3,644 |
| Pretax return on assets | 1.0033% | 3,371 |
| Return on Equity (ROE) | 5.9588% | 3,959 |
| Retained earnings to average equity (ytd only) | -0.0670% | 5,282 |
| Net charge-offs to loans | 0.9822% | 1,261 |
| Credit loss provision to net charge-offs | 64.8325% | 6,167 |
| Earnings coverage of net charge-offs (x) | 1.8301% | 5,161 |
| Efficiency ratio | 68.9529% | 4,551 |
| Assets per employee ($millions) | 3.0776% | 5,840 |
| Cash dividends to net income (ytd only)* | 101.1236% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8067% | 7,080 |
| Loan loss allowance to noncurrent loans | 18.5870% | 7,291 |
| Noncurrent assets plus other real estate owned to assets | 4.0677% | 998 |
| Noncurrent loans to loans | 4.3401% | 1,108 |
| Net loans and leases to total assets | 85.4007% | 674 |
| Net loans and leases to deposits | 107.4096% | 1,010 |
| Net loans and leases to core deposits | 116.4645% | 3,070 |
| Total domestic deposits to total assets | 79.5094% | 5,200 |
| Equity capital to assets | 12.0060% | 2,290 |
| Core capital (leverage) ratio | 11.9365% | 1,997 |
| Tier 1 risk-based capital ratio | 16.8675% | 2,352 |
| Total risk-based capital ratio | 17.8462% | 2,384 |
| Memoranda: | ||
| Average total assets | $49,537,200 | 6,797 |
| Average earning assets | $47,034,600 | 6,711 |
| Average equity | $5,974,400 | 6,818 |
| Average total loans | $42,557,200 | 6,043 |