Home > Siouxland Bank > Performance and Condition Ratios
Siouxland 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 | 4.5891% | 2,918 |
| Cost of funding earning assets | 1.4282% | 2,154 |
| Net interest margin | 3.1609% | 2,962 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 1.4617% | 4,355 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3434% | 1,338 |
| Return on assets (ROA) | 1.3434% | 1,310 |
| Pretax return on assets | 1.5740% | 1,286 |
| Return on Equity (ROE) | 15.0300% | 1,284 |
| Retained earnings to average equity (ytd only) | 13.0009% | 507 |
| Net charge-offs to loans | -0.0031% | 3,749 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 48.1511% | 4,083 |
| Assets per employee ($millions) | 11.2264% | 503 |
| Cash dividends to net income (ytd only)* | 13.4771% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 2,641 |
| Loan loss allowance to noncurrent loans | 3,560.0000% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 3,680 |
| Noncurrent loans to loans | 0.0318% | 3,509 |
| Net loans and leases to total assets | 39.5500% | 4,054 |
| Net loans and leases to deposits | 44.4171% | 4,092 |
| Net loans and leases to core deposits | 49.9253% | 4,086 |
| Total domestic deposits to total assets | 89.0400% | 1,055 |
| Equity capital to assets | 10.0528% | 1,976 |
| Core capital (leverage) ratio | 9.7554% | 3,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6796% | 277 |
| Memoranda: | ||
| Average total assets | $82,848,400 | 3,994 |
| Average earning assets | $75,897,200 | 3,970 |
| Average equity | $7,407,200 | 4,000 |
| Average total loans | $31,778,600 | 4,118 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4735% | 2,961 |
| Cost of funding earning assets | 1.3707% | 1,945 |
| Net interest margin | 3.1028% | 3,137 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 1.4268% | 4,373 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2441% | 1,665 |
| Return on assets (ROA) | 1.2441% | 1,657 |
| Pretax return on assets | 1.5523% | 1,462 |
| Return on Equity (ROE) | 14.3300% | 1,572 |
| Retained earnings to average equity (ytd only) | 11.5868% | 1,053 |
| Net charge-offs to loans | -0.0042% | 3,701 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 47.8933% | 4,050 |
| Assets per employee ($millions) | 10.6746% | 552 |
| Cash dividends to net income (ytd only)* | 19.1571% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 2,651 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 36.0200% | 4,185 |
| Net loans and leases to deposits | 39.9356% | 4,205 |
| Net loans and leases to core deposits | 44.5033% | 4,164 |
| Total domestic deposits to total assets | 90.1900% | 890 |
| Equity capital to assets | 8.8645% | 2,496 |
| Core capital (leverage) ratio | 9.2064% | 3,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3348% | 307 |
| Memoranda: | ||
| Average total assets | $83,914,250 | 3,996 |
| Average earning assets | $76,747,000 | 3,975 |
| Average equity | $7,284,000 | 4,012 |
| Average total loans | $31,864,250 | 4,133 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3725% | 2,954 |
| Cost of funding earning assets | 1.3154% | 1,667 |
| Net interest margin | 3.0571% | 3,309 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 1.4217% | 4,395 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2371% | 1,725 |
| Return on assets (ROA) | 1.2371% | 1,721 |
| Pretax return on assets | 1.5416% | 1,515 |
| Return on Equity (ROE) | 14.3600% | 1,609 |
| Retained earnings to average equity (ytd only) | 14.3559% | 638 |
| Net charge-offs to loans | 0.0125% | 1,727 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 321.5000% | 426 |
| Efficiency ratio | 47.9773% | 4,069 |
| Assets per employee ($millions) | 11.7394% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 2,814 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 37.6200% | 4,129 |
| Net loans and leases to deposits | 41.7311% | 4,166 |
| Net loans and leases to core deposits | 46.1300% | 4,127 |
| Total domestic deposits to total assets | 90.1500% | 885 |
| Equity capital to assets | 9.0683% | 2,470 |
| Core capital (leverage) ratio | 8.7943% | 3,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7006% | 326 |
| Memoranda: | ||
| Average total assets | $83,420,000 | 4,016 |
| Average earning assets | $76,935,333 | 3,992 |
| Average equity | $7,188,667 | 4,048 |
| Average total loans | $32,114,333 | 4,137 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1963% | 3,052 |
| Cost of funding earning assets | 1.2269% | 1,386 |
| Net interest margin | 2.9694% | 3,660 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.4564% | 4,424 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1470% | 2,073 |
| Return on assets (ROA) | 1.1470% | 2,043 |
| Pretax return on assets | 1.4231% | 1,824 |
| Return on Equity (ROE) | 13.6600% | 1,842 |
| Retained earnings to average equity (ytd only) | 13.6602% | 983 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.5785% | 3,889 |
| Assets per employee ($millions) | 10.3718% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1031% | 3,037 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 38.3600% | 4,101 |
| Net loans and leases to deposits | 42.3218% | 4,155 |
| Net loans and leases to core deposits | 46.1782% | 4,104 |
| Total domestic deposits to total assets | 90.6300% | 932 |
| Equity capital to assets | 8.6497% | 2,786 |
| Core capital (leverage) ratio | 8.3118% | 4,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8476% | 581 |
| Memoranda: | ||
| Average total assets | $84,042,000 | 4,063 |
| Average earning assets | $77,592,000 | 4,035 |
| Average equity | $7,057,000 | 4,120 |
| Average total loans | $32,538,500 | 4,191 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2920% | 3,602 |
| Cost of funding earning assets | 0.7537% | 460 |
| Net interest margin | 2.5383% | 4,243 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.4163% | 4,500 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.9399% | 2,815 |
| Return on assets (ROA) | 0.9399% | 2,757 |
| Pretax return on assets | 1.1034% | 2,759 |
| Return on Equity (ROE) | 11.9900% | 2,141 |
| Retained earnings to average equity (ytd only) | 7.4891% | 2,029 |
| Net charge-offs to loans | -0.0092% | 3,801 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.0782% | 3,577 |
| Assets per employee ($millions) | 10.6388% | 552 |
| Cash dividends to net income (ytd only)* | 37.5469% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 2,994 |
| Loan loss allowance to noncurrent loans | 17,750.0000% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 3,923 |
| Noncurrent loans to loans | 0.0061% | 3,825 |
| Net loans and leases to total assets | 38.2300% | 4,133 |
| Net loans and leases to deposits | 41.9473% | 4,180 |
| Net loans and leases to core deposits | 46.1620% | 4,115 |
| Total domestic deposits to total assets | 91.1500% | 897 |
| Equity capital to assets | 8.1506% | 2,965 |
| Core capital (leverage) ratio | 7.8866% | 4,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3528% | 526 |
| Memoranda: | ||
| Average total assets | $85,008,600 | 4,075 |
| Average earning assets | $78,279,600 | 4,061 |
| Average equity | $6,663,000 | 4,253 |
| Average total loans | $32,560,200 | 4,200 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0205% | 3,853 |
| Cost of funding earning assets | 0.6468% | 343 |
| Net interest margin | 2.3738% | 4,353 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 1.3069% | 4,576 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8723% | 2,996 |
| Return on assets (ROA) | 0.8723% | 2,963 |
| Pretax return on assets | 1.0543% | 2,862 |
| Return on Equity (ROE) | 11.2400% | 2,288 |
| Retained earnings to average equity (ytd only) | 6.6923% | 2,481 |
| Net charge-offs to loans | -0.0123% | 3,792 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.1656% | 3,700 |
| Assets per employee ($millions) | 10.9735% | 497 |
| Cash dividends to net income (ytd only)* | 40.4676% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 2,971 |
| Loan loss allowance to noncurrent loans | 17,750.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 4,005 |
| Noncurrent loans to loans | 0.0062% | 3,908 |
| Net loans and leases to total assets | 36.0600% | 4,224 |
| Net loans and leases to deposits | 39.3982% | 4,255 |
| Net loans and leases to core deposits | 42.9137% | 4,202 |
| Total domestic deposits to total assets | 91.5400% | 1,032 |
| Equity capital to assets | 7.7106% | 3,082 |
| Core capital (leverage) ratio | 7.6956% | 4,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4022% | 612 |
| Memoranda: | ||
| Average total assets | $84,983,250 | 4,106 |
| Average earning assets | $78,130,000 | 4,084 |
| Average equity | $6,594,500 | 4,305 |
| Average total loans | $32,476,250 | 4,223 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7075% | 4,131 |
| Cost of funding earning assets | 0.5980% | 277 |
| Net interest margin | 2.1096% | 4,509 |
| Noninterest income to average assets | 0.2070% | 3,955 |
| Noninterest expense to average assets | 1.2421% | 4,618 |
| Loan and lease loss provision to assets | 0.0119% | 2,381 |
| Net operating income to assets | 0.7638% | 3,096 |
| Return on assets (ROA) | 0.7638% | 3,056 |
| Pretax return on assets | 0.9090% | 3,033 |
| Return on Equity (ROE) | 9.8220% | 2,395 |
| Retained earnings to average equity (ytd only) | 5.2323% | 2,619 |
| Net charge-offs to loans | -0.0184% | 3,832 |
| Credit loss provision to net charge-offs | -166.6667% | 3,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4257% | 3,632 |
| Assets per employee ($millions) | 12.4136% | 338 |
| Cash dividends to net income (ytd only)* | 46.7290% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0659% | 3,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 37.9182% | 4,171 |
| Net loans and leases to deposits | 41.2838% | 4,217 |
| Net loans and leases to core deposits | 44.8481% | 4,161 |
| Total domestic deposits to total assets | 91.8476% | 907 |
| Equity capital to assets | 7.6046% | 3,405 |
| Core capital (leverage) ratio | 7.5497% | 4,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6546% | 645 |
| Memoranda: | ||
| Average total assets | $84,048,333 | 4,152 |
| Average earning assets | $77,930,333 | 4,141 |
| Average equity | $6,536,333 | 4,361 |
| Average total loans | $32,630,000 | 4,269 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4610% | 4,313 |
| Cost of funding earning assets | 0.5929% | 277 |
| Net interest margin | 1.8680% | 4,592 |
| Noninterest income to average assets | 0.1985% | 3,975 |
| Noninterest expense to average assets | 1.2151% | 4,662 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6148% | 3,347 |
| Return on assets (ROA) | 0.6148% | 3,331 |
| Pretax return on assets | 0.7068% | 3,375 |
| Return on Equity (ROE) | 7.8148% | 2,752 |
| Retained earnings to average equity (ytd only) | 7.8148% | 1,636 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2242% | 3,110 |
| Assets per employee ($millions) | 10.6316% | 571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 3,514 |
| Loan loss allowance to noncurrent loans | 34,700.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 4,112 |
| Noncurrent loans to loans | 0.0030% | 4,028 |
| Net loans and leases to total assets | 38.3091% | 4,105 |
| Net loans and leases to deposits | 41.7731% | 4,170 |
| Net loans and leases to core deposits | 44.8437% | 4,125 |
| Total domestic deposits to total assets | 91.7075% | 695 |
| Equity capital to assets | 7.7175% | 3,791 |
| Core capital (leverage) ratio | 7.6775% | 4,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4207% | 705 |
| Memoranda: | ||
| Average total assets | $82,625,000 | 4,185 |
| Average earning assets | $76,230,500 | 4,185 |
| Average equity | $6,500,500 | 4,412 |
| Average total loans | $32,293,000 | 4,288 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6471% | 4,359 |
| Cost of funding earning assets | 0.6311% | 467 |
| Net interest margin | 2.0160% | 4,593 |
| Noninterest income to average assets | 0.2864% | 3,677 |
| Noninterest expense to average assets | 1.4466% | 4,591 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5569% | 3,964 |
| Return on assets (ROA) | 0.5569% | 4,013 |
| Pretax return on assets | 0.6228% | 4,072 |
| Return on Equity (ROE) | 7.3265% | 3,433 |
| Retained earnings to average equity (ytd only) | 7.3265% | 1,795 |
| Net charge-offs to loans | -0.0094% | 3,723 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9058% | 1,743 |
| Assets per employee ($millions) | 10.0246% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 3,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 39.0401% | 4,145 |
| Net loans and leases to deposits | 42.7234% | 4,239 |
| Net loans and leases to core deposits | 46.3933% | 4,167 |
| Total domestic deposits to total assets | 91.3787% | 356 |
| Equity capital to assets | 8.0265% | 4,349 |
| Core capital (leverage) ratio | 7.8624% | 4,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7927% | 679 |
| Memoranda: | ||
| Average total assets | $82,054,800 | 4,185 |
| Average earning assets | $72,569,400 | 4,223 |
| Average equity | $6,237,600 | 4,507 |
| Average total loans | $31,894,200 | 4,340 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7164% | 4,388 |
| Cost of funding earning assets | 0.6403% | 514 |
| Net interest margin | 2.0760% | 4,640 |
| Noninterest income to average assets | 0.2876% | 3,733 |
| Noninterest expense to average assets | 1.3976% | 4,691 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6382% | 3,929 |
| Return on assets (ROA) | 0.6382% | 3,991 |
| Pretax return on assets | 0.7077% | 4,055 |
| Return on Equity (ROE) | 8.5112% | 3,254 |
| Retained earnings to average equity (ytd only) | 8.5112% | 1,872 |
| Net charge-offs to loans | -0.0125% | 3,768 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3853% | 2,045 |
| Assets per employee ($millions) | 10.3195% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 3,240 |
| Loan loss allowance to noncurrent loans | 11,566.6667% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 4,241 |
| Noncurrent loans to loans | 0.0099% | 4,137 |
| Net loans and leases to total assets | 36.3511% | 4,375 |
| Net loans and leases to deposits | 39.6701% | 4,463 |
| Net loans and leases to core deposits | 43.2720% | 4,406 |
| Total domestic deposits to total assets | 91.6336% | 207 |
| Equity capital to assets | 7.7220% | 4,643 |
| Core capital (leverage) ratio | 7.9546% | 4,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2789% | 668 |
| Memoranda: | ||
| Average total assets | $82,519,250 | 4,234 |
| Average earning assets | $72,251,000 | 4,284 |
| Average equity | $6,187,750 | 4,577 |
| Average total loans | $31,953,750 | 4,401 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7441% | 4,410 |
| Cost of funding earning assets | 0.6520% | 566 |
| Net interest margin | 2.0921% | 4,658 |
| Noninterest income to average assets | 0.2957% | 3,656 |
| Noninterest expense to average assets | 1.3890% | 4,727 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6618% | 3,851 |
| Return on assets (ROA) | 0.6618% | 3,914 |
| Pretax return on assets | 0.7345% | 3,997 |
| Return on Equity (ROE) | 8.9138% | 3,123 |
| Retained earnings to average equity (ytd only) | 8.9138% | 1,734 |
| Net charge-offs to loans | -0.0062% | 3,498 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4110% | 2,237 |
| Assets per employee ($millions) | 9.1598% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 3,417 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 37.6307% | 4,401 |
| Net loans and leases to deposits | 40.9612% | 4,490 |
| Net loans and leases to core deposits | 44.8587% | 4,435 |
| Total domestic deposits to total assets | 91.8690% | 153 |
| Equity capital to assets | 7.5851% | 4,712 |
| Core capital (leverage) ratio | 7.5845% | 4,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7856% | 843 |
| Memoranda: | ||
| Average total assets | $82,507,000 | 4,260 |
| Average earning assets | $72,080,667 | 4,314 |
| Average equity | $6,125,333 | 4,609 |
| Average total loans | $32,486,000 | 4,419 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8266% | 4,347 |
| Cost of funding earning assets | 0.6514% | 687 |
| Net interest margin | 2.1752% | 4,632 |
| Noninterest income to average assets | 0.4071% | 3,052 |
| Noninterest expense to average assets | 1.4247% | 4,718 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7899% | 3,457 |
| Return on assets (ROA) | 0.7899% | 3,526 |
| Pretax return on assets | 0.8917% | 3,620 |
| Return on Equity (ROE) | 10.7564% | 2,437 |
| Retained earnings to average equity (ytd only) | 10.7564% | 1,458 |
| Net charge-offs to loans | 0.0242% | 1,267 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 646 |
| Efficiency ratio | 61.5063% | 2,840 |
| Assets per employee ($millions) | 10.5958% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0408% | 3,690 |
| Loan loss allowance to noncurrent loans | 1,425.0000% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 4,159 |
| Noncurrent loans to loans | 0.0730% | 3,924 |
| Net loans and leases to total assets | 38.3597% | 4,410 |
| Net loans and leases to deposits | 41.6173% | 4,509 |
| Net loans and leases to core deposits | 45.9863% | 4,442 |
| Total domestic deposits to total assets | 92.1726% | 113 |
| Equity capital to assets | 7.2470% | 4,788 |
| Core capital (leverage) ratio | 7.4549% | 4,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8327% | 812 |
| Memoranda: | ||
| Average total assets | $82,541,500 | 4,275 |
| Average earning assets | $72,454,500 | 4,325 |
| Average equity | $6,061,500 | 4,634 |
| Average total loans | $33,045,500 | 4,431 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1144% | 4,554 |
| Cost of funding earning assets | 0.8953% | 871 |
| Net interest margin | 2.2191% | 4,749 |
| Noninterest income to average assets | 0.3110% | 3,622 |
| Noninterest expense to average assets | 1.6198% | 4,687 |
| Loan and lease loss provision to assets | 0.0070% | 4,267 |
| Net operating income to assets | 0.5840% | 3,804 |
| Return on assets (ROA) | 0.5840% | 3,908 |
| Pretax return on assets | 0.6375% | 3,999 |
| Return on Equity (ROE) | 7.1387% | 3,156 |
| Retained earnings to average equity (ytd only) | 4.3004% | 2,651 |
| Net charge-offs to loans | -0.0121% | 4,304 |
| Credit loss provision to net charge-offs | -125.0000% | 3,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5351% | 1,742 |
| Assets per employee ($millions) | 10.0396% | 526 |
| Cash dividends to net income (ytd only)* | 39.7590% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 3,739 |
| Loan loss allowance to noncurrent loans | 11,466.6667% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 4,447 |
| Noncurrent loans to loans | 0.0090% | 4,346 |
| Net loans and leases to total assets | 40.9490% | 4,402 |
| Net loans and leases to deposits | 44.4963% | 4,515 |
| Net loans and leases to core deposits | 49.4594% | 4,441 |
| Total domestic deposits to total assets | 92.0278% | 66 |
| Equity capital to assets | 7.4455% | 4,846 |
| Core capital (leverage) ratio | 7.6444% | 4,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7735% | 933 |
| Memoranda: | ||
| Average total assets | $71,059,000 | 4,368 |
| Average earning assets | $62,548,200 | 4,410 |
| Average equity | $5,813,400 | 4,661 |
| Average total loans | $33,169,000 | 4,454 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2155% | 4,572 |
| Cost of funding earning assets | 0.9501% | 907 |
| Net interest margin | 2.2654% | 4,790 |
| Noninterest income to average assets | 0.3181% | 3,584 |
| Noninterest expense to average assets | 1.6253% | 4,709 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6284% | 3,697 |
| Return on assets (ROA) | 0.6284% | 3,789 |
| Pretax return on assets | 0.6905% | 3,924 |
| Return on Equity (ROE) | 7.4845% | 3,019 |
| Retained earnings to average equity (ytd only) | 3.6730% | 3,212 |
| Net charge-offs to loans | -0.0161% | 4,358 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1843% | 1,857 |
| Assets per employee ($millions) | 10.2599% | 467 |
| Cash dividends to net income (ytd only)* | 50.9259% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9457% | 3,906 |
| Loan loss allowance to noncurrent loans | 4,237.5000% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 4,457 |
| Noncurrent loans to loans | 0.0223% | 4,323 |
| Net loans and leases to total assets | 43.2583% | 4,452 |
| Net loans and leases to deposits | 46.9036% | 4,577 |
| Net loans and leases to core deposits | 51.8949% | 4,529 |
| Total domestic deposits to total assets | 92.2282% | 40 |
| Equity capital to assets | 7.1748% | 4,921 |
| Core capital (leverage) ratio | 7.4319% | 4,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8208% | 1,299 |
| Memoranda: | ||
| Average total assets | $68,744,500 | 4,416 |
| Average earning assets | $60,621,500 | 4,450 |
| Average equity | $5,771,750 | 4,690 |
| Average total loans | $33,153,000 | 4,483 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5104% | 4,393 |
| Cost of funding earning assets | 1.0479% | 847 |
| Net interest margin | 2.4625% | 4,754 |
| Noninterest income to average assets | 0.2582% | 3,929 |
| Noninterest expense to average assets | 1.7356% | 4,649 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6532% | 3,572 |
| Return on assets (ROA) | 0.6532% | 3,664 |
| Pretax return on assets | 0.7154% | 3,837 |
| Return on Equity (ROE) | 7.3264% | 3,001 |
| Retained earnings to average equity (ytd only) | 2.0933% | 3,714 |
| Net charge-offs to loans | -0.0248% | 4,477 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8122% | 1,847 |
| Assets per employee ($millions) | 9.0646% | 667 |
| Cash dividends to net income (ytd only)* | 71.4286% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9192% | 3,921 |
| Loan loss allowance to noncurrent loans | 4,237.5000% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 4,523 |
| Noncurrent loans to loans | 0.0217% | 4,405 |
| Net loans and leases to total assets | 50.3896% | 4,143 |
| Net loans and leases to deposits | 55.0864% | 4,333 |
| Net loans and leases to core deposits | 63.0169% | 4,126 |
| Total domestic deposits to total assets | 91.4737% | 88 |
| Equity capital to assets | 7.9843% | 4,724 |
| Core capital (leverage) ratio | 8.6949% | 4,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4975% | 1,134 |
| Memoranda: | ||
| Average total assets | $64,299,667 | 4,477 |
| Average earning assets | $57,258,000 | 4,508 |
| Average equity | $5,732,667 | 4,719 |
| Average total loans | $32,255,667 | 4,522 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7405% | 4,317 |
| Cost of funding earning assets | 1.1515% | 901 |
| Net interest margin | 2.5890% | 4,762 |
| Noninterest income to average assets | 0.2259% | 4,196 |
| Noninterest expense to average assets | 1.8607% | 4,587 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6513% | 3,444 |
| Return on assets (ROA) | 0.6513% | 3,503 |
| Pretax return on assets | 0.7111% | 3,649 |
| Return on Equity (ROE) | 6.8724% | 3,004 |
| Retained earnings to average equity (ytd only) | -3.6466% | 4,412 |
| Net charge-offs to loans | -0.0267% | 4,426 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3514% | 2,031 |
| Assets per employee ($millions) | 7.6681% | 841 |
| Cash dividends to net income (ytd only)* | 153.0612% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 3,115 |
| Loan loss allowance to noncurrent loans | 1,053.1250% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 4,332 |
| Noncurrent loans to loans | 0.1059% | 4,090 |
| Net loans and leases to total assets | 48.7146% | 4,306 |
| Net loans and leases to deposits | 54.1230% | 4,439 |
| Net loans and leases to core deposits | 63.5735% | 4,193 |
| Total domestic deposits to total assets | 90.0073% | 318 |
| Equity capital to assets | 9.2558% | 4,424 |
| Core capital (leverage) ratio | 9.1761% | 4,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1543% | 960 |
| Memoranda: | ||
| Average total assets | $60,191,000 | 4,557 |
| Average earning assets | $54,538,500 | 4,565 |
| Average equity | $5,704,000 | 4,758 |
| Average total loans | $29,943,500 | 4,593 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2773% | 3,604 |
| Cost of funding earning assets | 1.3271% | 712 |
| Net interest margin | 2.9502% | 4,578 |
| Noninterest income to average assets | 0.3425% | 3,656 |
| Noninterest expense to average assets | 2.0026% | 4,528 |
| Loan and lease loss provision to assets | 0.1124% | 1,865 |
| Net operating income to assets | 0.8155% | 3,513 |
| Return on assets (ROA) | 0.8155% | 3,601 |
| Pretax return on assets | 0.8826% | 3,786 |
| Return on Equity (ROE) | 8.0970% | 3,127 |
| Retained earnings to average equity (ytd only) | 6.2977% | 1,721 |
| Net charge-offs to loans | 0.2014% | 1,013 |
| Credit loss provision to net charge-offs | 105.0847% | 2,357 |
| Earnings coverage of net charge-offs (x) | 9.3051% | 2,682 |
| Efficiency ratio | 66.8077% | 2,643 |
| Assets per employee ($millions) | 6.5597% | 1,251 |
| Cash dividends to net income (ytd only)* | 22.2222% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 2,791 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 49.6824% | 4,340 |
| Net loans and leases to deposits | 55.4619% | 4,478 |
| Net loans and leases to core deposits | 63.5021% | 4,301 |
| Total domestic deposits to total assets | 89.5794% | 463 |
| Equity capital to assets | 9.7058% | 4,180 |
| Core capital (leverage) ratio | 10.0428% | 3,468 |
| Tier 1 risk-based capital ratio | 19.8112% | 1,351 |
| Total risk-based capital ratio | 21.0040% | 1,333 |
| Memoranda: | ||
| Average total assets | $55,178,400 | 4,664 |
| Average earning assets | $49,657,200 | 4,679 |
| Average equity | $5,557,600 | 4,821 |
| Average total loans | $29,295,400 | 4,656 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3537% | 3,504 |
| Cost of funding earning assets | 1.3369% | 704 |
| Net interest margin | 3.0168% | 4,601 |
| Noninterest income to average assets | 0.3640% | 3,542 |
| Noninterest expense to average assets | 1.9994% | 4,555 |
| Loan and lease loss provision to assets | 0.1525% | 1,233 |
| Net operating income to assets | 0.8288% | 3,582 |
| Return on assets (ROA) | 0.8288% | 3,663 |
| Pretax return on assets | 0.9370% | 3,770 |
| Return on Equity (ROE) | 8.1480% | 3,240 |
| Retained earnings to average equity (ytd only) | 5.7302% | 2,490 |
| Net charge-offs to loans | 0.2694% | 655 |
| Credit loss provision to net charge-offs | 105.0847% | 2,164 |
| Earnings coverage of net charge-offs (x) | 7.5089% | 2,734 |
| Efficiency ratio | 64.7293% | 2,904 |
| Assets per employee ($millions) | 6.1496% | 1,495 |
| Cash dividends to net income (ytd only)* | 29.6737% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0972% | 3,041 |
| Loan loss allowance to noncurrent loans | 58.5664% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.0335% | 1,290 |
| Noncurrent loans to loans | 1.8735% | 754 |
| Net loans and leases to total assets | 54.5586% | 4,128 |
| Net loans and leases to deposits | 61.2967% | 4,325 |
| Net loans and leases to core deposits | 71.3567% | 3,986 |
| Total domestic deposits to total assets | 89.0073% | 608 |
| Equity capital to assets | 10.1489% | 3,870 |
| Core capital (leverage) ratio | 10.1879% | 3,435 |
| Tier 1 risk-based capital ratio | 19.0536% | 1,553 |
| Total risk-based capital ratio | 20.2239% | 1,547 |
| Memoranda: | ||
| Average total assets | $54,213,750 | 4,747 |
| Average earning assets | $48,969,000 | 4,760 |
| Average equity | $5,514,500 | 4,889 |
| Average total loans | $29,202,750 | 4,725 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2783% | 3,700 |
| Cost of funding earning assets | 1.3142% | 710 |
| Net interest margin | 2.9641% | 4,739 |
| Noninterest income to average assets | 0.4049% | 3,244 |
| Noninterest expense to average assets | 1.9875% | 4,617 |
| Loan and lease loss provision to assets | 0.2303% | 706 |
| Net operating income to assets | 0.7653% | 3,770 |
| Return on assets (ROA) | 0.7653% | 3,837 |
| Pretax return on assets | 0.8767% | 3,917 |
| Return on Equity (ROE) | 7.5178% | 3,485 |
| Retained earnings to average equity (ytd only) | 7.5178% | 1,587 |
| Net charge-offs to loans | 0.4312% | 386 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 4.8065% | 2,707 |
| Efficiency ratio | 64.2257% | 3,094 |
| Assets per employee ($millions) | 6.0729% | 1,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 3,003 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 53.9319% | 4,214 |
| Net loans and leases to deposits | 60.5501% | 4,405 |
| Net loans and leases to core deposits | 70.6019% | 4,085 |
| Total domestic deposits to total assets | 89.0698% | 640 |
| Equity capital to assets | 10.2203% | 3,780 |
| Core capital (leverage) ratio | 10.3162% | 3,270 |
| Tier 1 risk-based capital ratio | 19.8536% | 1,377 |
| Total risk-based capital ratio | 21.0691% | 1,357 |
| Memoranda: | ||
| Average total assets | $53,836,330 | 4,791 |
| Average earning assets | $48,851,330 | 4,792 |
| Average equity | $5,480,330 | 4,925 |
| Average total loans | $28,760,000 | 4,770 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2540% | 3,698 |
| Cost of funding earning assets | 1.3355% | 586 |
| Net interest margin | 2.9184% | 4,859 |
| Noninterest income to average assets | 0.6139% | 1,981 |
| Noninterest expense to average assets | 1.9541% | 4,724 |
| Loan and lease loss provision to assets | 0.4642% | 235 |
| Net operating income to assets | 0.7113% | 3,899 |
| Return on assets (ROA) | 0.7113% | 3,944 |
| Pretax return on assets | 0.8460% | 3,926 |
| Return on Equity (ROE) | 7.0014% | 3,684 |
| Retained earnings to average equity (ytd only) | 7.0014% | 2,043 |
| Net charge-offs to loans | 0.8783% | 163 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 2.8226% | 2,456 |
| Efficiency ratio | 59.8624% | 3,828 |
| Assets per employee ($millions) | 6.1020% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1877% | 2,648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 50.2950% | 4,446 |
| Net loans and leases to deposits | 56.3866% | 4,582 |
| Net loans and leases to core deposits | 65.2732% | 4,311 |
| Total domestic deposits to total assets | 89.1966% | 769 |
| Equity capital to assets | 9.9694% | 3,855 |
| Core capital (leverage) ratio | 10.1796% | 3,413 |
| Tier 1 risk-based capital ratio | 20.0373% | 1,334 |
| Total risk-based capital ratio | 21.2853% | 1,306 |
| Memoranda: | ||
| Average total assets | $53,426,500 | 4,847 |
| Average earning assets | $48,519,500 | 4,845 |
| Average equity | $5,427,500 | 4,978 |
| Average total loans | $28,235,500 | 4,833 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0332% | 3,938 |
| Cost of funding earning assets | 1.0948% | 504 |
| Net interest margin | 2.9384% | 4,866 |
| Noninterest income to average assets | 0.3076% | 4,059 |
| Noninterest expense to average assets | 1.8960% | 4,900 |
| Loan and lease loss provision to assets | 0.2851% | 573 |
| Net operating income to assets | 0.6620% | 4,251 |
| Return on assets (ROA) | 0.6620% | 4,258 |
| Pretax return on assets | 0.7239% | 4,353 |
| Return on Equity (ROE) | 6.7218% | 3,920 |
| Retained earnings to average equity (ytd only) | 4.8176% | 2,879 |
| Net charge-offs to loans | 0.5505% | 318 |
| Credit loss provision to net charge-offs | 98.7013% | 2,583 |
| Earnings coverage of net charge-offs (x) | 3.4935% | 3,405 |
| Efficiency ratio | 65.2679% | 2,993 |
| Assets per employee ($millions) | 5.7706% | 1,698 |
| Cash dividends to net income (ytd only)* | 28.3286% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 2,751 |
| Loan loss allowance to noncurrent loans | 310.2804% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.2060% | 3,797 |
| Noncurrent loans to loans | 0.3752% | 3,192 |
| Net loans and leases to total assets | 54.2717% | 4,259 |
| Net loans and leases to deposits | 60.9480% | 4,431 |
| Net loans and leases to core deposits | 71.1301% | 4,053 |
| Total domestic deposits to total assets | 89.0459% | 838 |
| Equity capital to assets | 10.3591% | 3,320 |
| Core capital (leverage) ratio | 10.2996% | 3,246 |
| Tier 1 risk-based capital ratio | 19.3296% | 1,443 |
| Total risk-based capital ratio | 20.5583% | 1,414 |
| Memoranda: | ||
| Average total assets | $53,322,800 | 4,883 |
| Average earning assets | $47,134,000 | 4,913 |
| Average equity | $5,251,600 | 5,011 |
| Average total loans | $27,974,600 | 4,864 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9481% | 4,084 |
| Cost of funding earning assets | 1.0603% | 462 |
| Net interest margin | 2.8877% | 4,992 |
| Noninterest income to average assets | 0.3180% | 4,021 |
| Noninterest expense to average assets | 1.8831% | 4,931 |
| Loan and lease loss provision to assets | 0.3031% | 483 |
| Net operating income to assets | 0.5913% | 4,524 |
| Return on assets (ROA) | 0.5913% | 4,533 |
| Pretax return on assets | 0.6757% | 4,590 |
| Return on Equity (ROE) | 6.0797% | 4,241 |
| Retained earnings to average equity (ytd only) | 3.5252% | 4,011 |
| Net charge-offs to loans | 0.5939% | 249 |
| Credit loss provision to net charge-offs | 98.3871% | 2,314 |
| Earnings coverage of net charge-offs (x) | 3.1774% | 3,186 |
| Efficiency ratio | 65.7986% | 2,901 |
| Assets per employee ($millions) | 5.7838% | 1,659 |
| Cash dividends to net income (ytd only)* | 42.0162% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 2,787 |
| Loan loss allowance to noncurrent loans | 356.9892% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.4092% | 3,054 |
| Noncurrent loans to loans | 0.3283% | 3,493 |
| Net loans and leases to total assets | 53.7884% | 4,374 |
| Net loans and leases to deposits | 60.3505% | 4,526 |
| Net loans and leases to core deposits | 70.3952% | 4,169 |
| Total domestic deposits to total assets | 89.1267% | 805 |
| Equity capital to assets | 10.1145% | 3,524 |
| Core capital (leverage) ratio | 10.0812% | 3,546 |
| Tier 1 risk-based capital ratio | 18.8561% | 1,570 |
| Total risk-based capital ratio | 20.0809% | 1,552 |
| Memoranda: | ||
| Average total assets | $53,669,750 | 4,932 |
| Average earning assets | $47,279,250 | 4,964 |
| Average equity | $5,219,500 | 5,073 |
| Average total loans | $27,838,750 | 4,922 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7800% | 4,392 |
| Cost of funding earning assets | 1.0119% | 452 |
| Net interest margin | 2.7681% | 5,158 |
| Noninterest income to average assets | 0.2730% | 4,362 |
| Noninterest expense to average assets | 1.8447% | 5,042 |
| Loan and lease loss provision to assets | 0.2066% | 816 |
| Net operating income to assets | 0.5977% | 4,500 |
| Return on assets (ROA) | 0.5977% | 4,504 |
| Pretax return on assets | 0.6641% | 4,607 |
| Return on Equity (ROE) | 6.2256% | 4,160 |
| Retained earnings to average equity (ytd only) | 6.2256% | 2,450 |
| Net charge-offs to loans | 0.3975% | 397 |
| Credit loss provision to net charge-offs | 101.8182% | 1,988 |
| Earnings coverage of net charge-offs (x) | 4.2909% | 2,802 |
| Efficiency ratio | 67.9348% | 2,654 |
| Assets per employee ($millions) | 5.9570% | 1,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 2,791 |
| Loan loss allowance to noncurrent loans | 121.8182% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.5129% | 2,702 |
| Noncurrent loans to loans | 0.9764% | 1,788 |
| Net loans and leases to total assets | 51.9109% | 4,486 |
| Net loans and leases to deposits | 57.9438% | 4,646 |
| Net loans and leases to core deposits | 66.7106% | 4,328 |
| Total domestic deposits to total assets | 89.5883% | 709 |
| Equity capital to assets | 9.8651% | 3,759 |
| Core capital (leverage) ratio | 9.7963% | 3,791 |
| Tier 1 risk-based capital ratio | 19.1943% | 1,503 |
| Total risk-based capital ratio | 20.4428% | 1,461 |
| Memoranda: | ||
| Average total assets | $54,208,330 | 4,976 |
| Average earning assets | $47,830,330 | 5,006 |
| Average equity | $5,204,330 | 5,133 |
| Average total loans | $27,674,670 | 4,976 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6787% | 4,515 |
| Cost of funding earning assets | 1.0093% | 357 |
| Net interest margin | 2.6693% | 5,275 |
| Noninterest income to average assets | 0.2128% | 4,734 |
| Noninterest expense to average assets | 1.8860% | 5,041 |
| Loan and lease loss provision to assets | 0.1174% | 1,609 |
| Net operating income to assets | 0.5137% | 4,656 |
| Return on assets (ROA) | 0.5137% | 4,656 |
| Pretax return on assets | 0.5577% | 4,774 |
| Return on Equity (ROE) | 5.4243% | 4,345 |
| Retained earnings to average equity (ytd only) | 5.4243% | 2,987 |
| Net charge-offs to loans | 0.4375% | 346 |
| Credit loss provision to net charge-offs | 53.3333% | 1,926 |
| Earnings coverage of net charge-offs (x) | 3.0667% | 2,413 |
| Efficiency ratio | 73.6390% | 1,943 |
| Assets per employee ($millions) | 6.0553% | 1,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 2,843 |
| Loan loss allowance to noncurrent loans | 64.9087% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 0.9046% | 1,758 |
| Noncurrent loans to loans | 1.8387% | 902 |
| Net loans and leases to total assets | 48.6128% | 4,655 |
| Net loans and leases to deposits | 54.1392% | 4,788 |
| Net loans and leases to core deposits | 62.1435% | 4,544 |
| Total domestic deposits to total assets | 89.7923% | 744 |
| Equity capital to assets | 9.5361% | 4,059 |
| Core capital (leverage) ratio | 9.5370% | 4,026 |
| Tier 1 risk-based capital ratio | 19.0765% | 1,535 |
| Total risk-based capital ratio | 20.2878% | 1,506 |
| Memoranda: | ||
| Average total assets | $54,506,000 | 5,030 |
| Average earning assets | $47,952,000 | 5,062 |
| Average equity | $5,162,000 | 5,190 |
| Average total loans | $27,429,000 | 5,032 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6485% | 4,454 |
| Cost of funding earning assets | 1.0183% | 192 |
| Net interest margin | 2.6302% | 5,332 |
| Noninterest income to average assets | 0.2874% | 4,409 |
| Noninterest expense to average assets | 1.9861% | 4,983 |
| Loan and lease loss provision to assets | 0.0258% | 3,780 |
| Net operating income to assets | 0.4919% | 4,395 |
| Return on assets (ROA) | 0.4919% | 4,430 |
| Pretax return on assets | 0.5693% | 4,809 |
| Return on Equity (ROE) | 5.2838% | 4,051 |
| Retained earnings to average equity (ytd only) | 3.3048% | 3,318 |
| Net charge-offs to loans | -0.0069% | 4,708 |
| Credit loss provision to net charge-offs | -700.0000% | 5,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9450% | 1,492 |
| Assets per employee ($millions) | 4.9558% | 2,534 |
| Cash dividends to net income (ytd only)* | 37.4532% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 2,833 |
| Loan loss allowance to noncurrent loans | 87.2063% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 0.7026% | 2,216 |
| Noncurrent loans to loans | 1.3657% | 1,273 |
| Net loans and leases to total assets | 50.8328% | 4,601 |
| Net loans and leases to deposits | 56.4920% | 4,774 |
| Net loans and leases to core deposits | 63.7078% | 4,550 |
| Total domestic deposits to total assets | 89.9824% | 573 |
| Equity capital to assets | 9.4049% | 4,320 |
| Core capital (leverage) ratio | 9.3982% | 4,162 |
| Tier 1 risk-based capital ratio | 18.2696% | 1,721 |
| Total risk-based capital ratio | 19.4954% | 1,680 |
| Memoranda: | ||
| Average total assets | $54,276,400 | 5,071 |
| Average earning assets | $47,334,400 | 5,119 |
| Average equity | $5,053,200 | 5,265 |
| Average total loans | $28,787,200 | 5,051 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6306% | 4,489 |
| Cost of funding earning assets | 1.0248% | 174 |
| Net interest margin | 2.6058% | 5,402 |
| Noninterest income to average assets | 0.2705% | 4,571 |
| Noninterest expense to average assets | 1.9870% | 4,982 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4894% | 4,760 |
| Return on assets (ROA) | 0.4894% | 4,797 |
| Pretax return on assets | 0.5533% | 4,922 |
| Return on Equity (ROE) | 5.2700% | 4,426 |
| Retained earnings to average equity (ytd only) | 2.6218% | 4,320 |
| Net charge-offs to loans | -0.0046% | 4,443 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2188% | 1,305 |
| Assets per employee ($millions) | 5.5361% | 1,890 |
| Cash dividends to net income (ytd only)* | 50.2506% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 3,270 |
| Loan loss allowance to noncurrent loans | 92.1965% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 0.6250% | 2,635 |
| Noncurrent loans to loans | 1.2339% | 1,542 |
| Net loans and leases to total assets | 50.0768% | 4,695 |
| Net loans and leases to deposits | 55.5694% | 4,890 |
| Net loans and leases to core deposits | 62.5279% | 4,676 |
| Total domestic deposits to total assets | 90.1158% | 440 |
| Equity capital to assets | 9.1382% | 4,790 |
| Core capital (leverage) ratio | 9.3517% | 4,347 |
| Tier 1 risk-based capital ratio | 18.4986% | 1,731 |
| Total risk-based capital ratio | 19.7016% | 1,696 |
| Memoranda: | ||
| Average total assets | $54,217,000 | 5,130 |
| Average earning assets | $47,226,500 | 5,174 |
| Average equity | $5,034,750 | 5,328 |
| Average total loans | $28,972,750 | 5,104 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6221% | 4,458 |
| Cost of funding earning assets | 1.0306% | 143 |
| Net interest margin | 2.5915% | 5,445 |
| Noninterest income to average assets | 0.2898% | 4,484 |
| Noninterest expense to average assets | 1.9652% | 5,049 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5052% | 4,689 |
| Return on assets (ROA) | 0.5052% | 4,727 |
| Pretax return on assets | 0.5758% | 4,849 |
| Return on Equity (ROE) | 5.4111% | 4,306 |
| Retained earnings to average equity (ytd only) | 5.4111% | 2,463 |
| Net charge-offs to loans | -0.0068% | 4,415 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3392% | 1,546 |
| Assets per employee ($millions) | 6.6088% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0804% | 3,689 |
| Loan loss allowance to noncurrent loans | 136.9099% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.4407% | 3,351 |
| Noncurrent loans to loans | 0.7892% | 2,432 |
| Net loans and leases to total assets | 55.2412% | 4,290 |
| Net loans and leases to deposits | 61.5330% | 4,531 |
| Net loans and leases to core deposits | 69.6991% | 4,245 |
| Total domestic deposits to total assets | 89.7749% | 611 |
| Equity capital to assets | 9.6387% | 4,282 |
| Core capital (leverage) ratio | 9.3913% | 4,239 |
| Tier 1 risk-based capital ratio | 18.2013% | 1,796 |
| Total risk-based capital ratio | 19.3764% | 1,775 |
| Memoranda: | ||
| Average total assets | $53,835,670 | 5,177 |
| Average earning assets | $46,768,670 | 5,220 |
| Average equity | $5,026,670 | 5,363 |
| Average total loans | $29,283,000 | 5,139 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5081% | 4,670 |
| Cost of funding earning assets | 1.0507% | 127 |
| Net interest margin | 2.4574% | 5,579 |
| Noninterest income to average assets | 0.2725% | 4,597 |
| Noninterest expense to average assets | 1.8704% | 5,278 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4713% | 4,700 |
| Return on assets (ROA) | 0.4713% | 4,725 |
| Pretax return on assets | 0.5376% | 4,877 |
| Return on Equity (ROE) | 5.1282% | 4,330 |
| Retained earnings to average equity (ytd only) | 5.1282% | 2,812 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6758% | 1,677 |
| Assets per employee ($millions) | 6.1506% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0973% | 3,729 |
| Loan loss allowance to noncurrent loans | 128.2258% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.4480% | 3,405 |
| Noncurrent loans to loans | 0.8557% | 2,320 |
| Net loans and leases to total assets | 51.7803% | 4,536 |
| Net loans and leases to deposits | 57.3765% | 4,741 |
| Net loans and leases to core deposits | 65.1358% | 4,482 |
| Total domestic deposits to total assets | 90.2466% | 559 |
| Equity capital to assets | 9.0760% | 4,736 |
| Core capital (leverage) ratio | 9.1620% | 4,533 |
| Tier 1 risk-based capital ratio | 17.9205% | 1,904 |
| Total risk-based capital ratio | 19.0904% | 1,880 |
| Memoranda: | ||
| Average total assets | $54,318,500 | 5,217 |
| Average earning assets | $47,204,500 | 5,269 |
| Average equity | $4,992,000 | 5,420 |
| Average total loans | $29,162,000 | 5,190 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5186% | 4,737 |
| Cost of funding earning assets | 1.1075% | 98 |
| Net interest margin | 2.4111% | 5,639 |
| Noninterest income to average assets | 0.2282% | 5,050 |
| Noninterest expense to average assets | 1.9233% | 5,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3960% | 4,955 |
| Return on assets (ROA) | 0.3960% | 5,038 |
| Pretax return on assets | 0.4148% | 5,199 |
| Return on Equity (ROE) | 4.2702% | 4,752 |
| Retained earnings to average equity (ytd only) | 2.2368% | 4,259 |
| Net charge-offs to loans | 0.1019% | 2,258 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 7.5862% | 3,000 |
| Efficiency ratio | 82.2581% | 1,177 |
| Assets per employee ($millions) | 6.6603% | 1,067 |
| Cash dividends to net income (ytd only)* | 47.6190% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0837% | 3,804 |
| Loan loss allowance to noncurrent loans | 121.8391% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.4898% | 3,299 |
| Noncurrent loans to loans | 0.8895% | 2,319 |
| Net loans and leases to total assets | 54.4743% | 4,398 |
| Net loans and leases to deposits | 60.4587% | 4,641 |
| Net loans and leases to core deposits | 68.7503% | 4,342 |
| Total domestic deposits to total assets | 90.1017% | 598 |
| Equity capital to assets | 9.3090% | 4,463 |
| Core capital (leverage) ratio | 9.2884% | 4,363 |
| Tier 1 risk-based capital ratio | 17.4666% | 2,017 |
| Total risk-based capital ratio | 18.6217% | 1,998 |
| Memoranda: | ||
| Average total assets | $53,035,200 | 5,284 |
| Average earning assets | $46,410,000 | 5,324 |
| Average equity | $4,917,800 | 5,482 |
| Average total loans | $28,472,800 | 5,249 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5194% | 4,752 |
| Cost of funding earning assets | 1.1032% | 95 |
| Net interest margin | 2.4162% | 5,710 |
| Noninterest income to average assets | 0.2240% | 5,131 |
| Noninterest expense to average assets | 1.9280% | 5,337 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4228% | 4,954 |
| Return on assets (ROA) | 0.4228% | 5,043 |
| Pretax return on assets | 0.4128% | 5,282 |
| Return on Equity (ROE) | 4.5645% | 4,693 |
| Retained earnings to average equity (ytd only) | 2.5269% | 4,404 |
| Net charge-offs to loans | 0.1085% | 1,859 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 7.1294% | 2,913 |
| Efficiency ratio | 82.3656% | 1,154 |
| Assets per employee ($millions) | 5.2404% | 2,102 |
| Cash dividends to net income (ytd only)* | 44.6449% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 3,702 |
| Loan loss allowance to noncurrent loans | 96.4286% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 0.6412% | 2,980 |
| Noncurrent loans to loans | 1.1664% | 1,922 |
| Net loans and leases to total assets | 54.3527% | 4,466 |
| Net loans and leases to deposits | 60.4914% | 4,721 |
| Net loans and leases to core deposits | 68.9661% | 4,398 |
| Total domestic deposits to total assets | 89.8519% | 534 |
| Equity capital to assets | 9.4325% | 4,737 |
| Core capital (leverage) ratio | 9.4140% | 4,309 |
| Tier 1 risk-based capital ratio | 18.7306% | 1,724 |
| Total risk-based capital ratio | 19.9773% | 1,696 |
| Memoranda: | ||
| Average total assets | $52,973,500 | 5,343 |
| Average earning assets | $46,408,500 | 5,374 |
| Average equity | $4,907,250 | 5,541 |
| Average total loans | $28,255,250 | 5,303 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4422% | 4,996 |
| Cost of funding earning assets | 1.1056% | 89 |
| Net interest margin | 2.3365% | 5,843 |
| Noninterest income to average assets | 0.2144% | 5,208 |
| Noninterest expense to average assets | 1.9600% | 5,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3762% | 5,102 |
| Return on assets (ROA) | 0.3762% | 5,186 |
| Pretax return on assets | 0.2897% | 5,514 |
| Return on Equity (ROE) | 4.0855% | 4,880 |
| Retained earnings to average equity (ytd only) | 4.0855% | 3,304 |
| Net charge-offs to loans | 0.1639% | 1,354 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 3.3478% | 3,121 |
| Efficiency ratio | 87.1237% | 778 |
| Assets per employee ($millions) | 5.0951% | 2,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 3,986 |
| Loan loss allowance to noncurrent loans | 93.1034% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 0.6830% | 2,946 |
| Noncurrent loans to loans | 1.1724% | 1,960 |
| Net loans and leases to total assets | 57.6201% | 4,153 |
| Net loans and leases to deposits | 64.2632% | 4,475 |
| Net loans and leases to core deposits | 73.7601% | 4,000 |
| Total domestic deposits to total assets | 89.6626% | 607 |
| Equity capital to assets | 9.7152% | 4,545 |
| Core capital (leverage) ratio | 9.3718% | 4,370 |
| Tier 1 risk-based capital ratio | 18.1925% | 1,878 |
| Total risk-based capital ratio | 19.4200% | 1,850 |
| Memoranda: | ||
| Average total assets | $53,163,330 | 5,397 |
| Average earning assets | $46,307,670 | 5,441 |
| Average equity | $4,895,330 | 5,600 |
| Average total loans | $28,071,330 | 5,368 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4440% | 5,018 |
| Cost of funding earning assets | 1.0966% | 95 |
| Net interest margin | 2.3474% | 5,904 |
| Noninterest income to average assets | 0.1990% | 5,313 |
| Noninterest expense to average assets | 1.9311% | 5,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2653% | 5,396 |
| Return on assets (ROA) | 0.2653% | 5,465 |
| Pretax return on assets | 0.2875% | 5,532 |
| Return on Equity (ROE) | 2.9581% | 5,253 |
| Retained earnings to average equity (ytd only) | 2.9581% | 4,033 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0432% | 884 |
| Assets per employee ($millions) | 5.8028% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 3,268 |
| Loan loss allowance to noncurrent loans | 228.2895% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.9340% | 2,375 |
| Noncurrent loans to loans | 0.5422% | 3,560 |
| Net loans and leases to total assets | 47.7097% | 4,991 |
| Net loans and leases to deposits | 52.4745% | 5,197 |
| Net loans and leases to core deposits | 57.9402% | 5,052 |
| Total domestic deposits to total assets | 90.9199% | 294 |
| Equity capital to assets | 8.4201% | 5,620 |
| Core capital (leverage) ratio | 9.0231% | 4,826 |
| Tier 1 risk-based capital ratio | 18.0889% | 1,959 |
| Total risk-based capital ratio | 19.3366% | 1,925 |
| Memoranda: | ||
| Average total assets | $54,269,500 | 5,415 |
| Average earning assets | $46,690,500 | 5,476 |
| Average equity | $4,868,000 | 5,645 |
| Average total loans | $27,266,000 | 5,441 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3114% | 5,330 |
| Cost of funding earning assets | 0.8919% | 299 |
| Net interest margin | 2.4195% | 5,880 |
| Noninterest income to average assets | 0.4141% | 3,931 |
| Noninterest expense to average assets | 1.9591% | 5,528 |
| Loan and lease loss provision to assets | 0.1457% | 1,624 |
| Net operating income to assets | 0.4524% | 4,878 |
| Return on assets (ROA) | 0.4524% | 4,959 |
| Pretax return on assets | 0.4466% | 5,233 |
| Return on Equity (ROE) | 4.9343% | 4,535 |
| Retained earnings to average equity (ytd only) | 3.3662% | 3,654 |
| Net charge-offs to loans | 0.7484% | 313 |
| Credit loss provision to net charge-offs | 36.5385% | 3,573 |
| Earnings coverage of net charge-offs (x) | 1.4856% | 4,076 |
| Efficiency ratio | 76.7844% | 2,154 |
| Assets per employee ($millions) | 5.6123% | 1,693 |
| Cash dividends to net income (ytd only)* | 31.7797% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 2,844 |
| Loan loss allowance to noncurrent loans | 209.0361% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 1.1008% | 1,995 |
| Noncurrent loans to loans | 0.6264% | 3,307 |
| Net loans and leases to total assets | 51.7768% | 4,712 |
| Net loans and leases to deposits | 57.6781% | 4,935 |
| Net loans and leases to core deposits | 62.7983% | 4,813 |
| Total domestic deposits to total assets | 89.7686% | 727 |
| Equity capital to assets | 9.6019% | 4,431 |
| Core capital (leverage) ratio | 9.4571% | 4,239 |
| Tier 1 risk-based capital ratio | 18.6992% | 1,776 |
| Total risk-based capital ratio | 19.9483% | 1,731 |
| Memoranda: | ||
| Average total assets | $52,166,600 | 5,502 |
| Average earning assets | $46,083,800 | 5,525 |
| Average equity | $4,782,800 | 5,704 |
| Average total loans | $27,791,000 | 5,450 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2824% | 5,440 |
| Cost of funding earning assets | 0.8843% | 311 |
| Net interest margin | 2.3981% | 5,976 |
| Noninterest income to average assets | 0.4488% | 3,722 |
| Noninterest expense to average assets | 1.8866% | 5,658 |
| Loan and lease loss provision to assets | 0.1674% | 1,260 |
| Net operating income to assets | 0.4362% | 5,023 |
| Return on assets (ROA) | 0.4362% | 5,123 |
| Pretax return on assets | 0.5198% | 5,173 |
| Return on Equity (ROE) | 4.8118% | 4,711 |
| Retained earnings to average equity (ytd only) | 4.8118% | 3,044 |
| Net charge-offs to loans | 0.9485% | 202 |
| Credit loss provision to net charge-offs | 33.0000% | 3,247 |
| Earnings coverage of net charge-offs (x) | 1.3550% | 3,848 |
| Efficiency ratio | 73.3005% | 2,668 |
| Assets per employee ($millions) | 5.8753% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 3,465 |
| Loan loss allowance to noncurrent loans | 115.3846% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 1.3030% | 1,792 |
| Noncurrent loans to loans | 1.0687% | 2,346 |
| Net loans and leases to total assets | 52.2580% | 4,730 |
| Net loans and leases to deposits | 58.0696% | 5,001 |
| Net loans and leases to core deposits | 62.9568% | 4,869 |
| Total domestic deposits to total assets | 89.9921% | 569 |
| Equity capital to assets | 9.1929% | 5,123 |
| Core capital (leverage) ratio | 9.4091% | 4,423 |
| Tier 1 risk-based capital ratio | 18.0545% | 2,007 |
| Total risk-based capital ratio | 19.3062% | 1,973 |
| Memoranda: | ||
| Average total assets | $52,580,500 | 5,562 |
| Average earning assets | $46,590,500 | 5,581 |
| Average equity | $4,766,000 | 5,783 |
| Average total loans | $28,113,750 | 5,504 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2406% | 5,554 |
| Cost of funding earning assets | 0.8807% | 317 |
| Net interest margin | 2.3599% | 6,062 |
| Noninterest income to average assets | 0.4764% | 3,521 |
| Noninterest expense to average assets | 1.8788% | 5,746 |
| Loan and lease loss provision to assets | 0.2515% | 697 |
| Net operating income to assets | 0.3735% | 5,225 |
| Return on assets (ROA) | 0.3735% | 5,339 |
| Pretax return on assets | 0.4497% | 5,354 |
| Return on Equity (ROE) | 4.1400% | 4,962 |
| Retained earnings to average equity (ytd only) | 4.1400% | 3,388 |
| Net charge-offs to loans | 1.0654% | 189 |
| Credit loss provision to net charge-offs | 44.0000% | 2,767 |
| Earnings coverage of net charge-offs (x) | 1.2267% | 3,554 |
| Efficiency ratio | 72.8213% | 2,877 |
| Assets per employee ($millions) | 5.7676% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4131% | 2,696 |
| Loan loss allowance to noncurrent loans | 77.6031% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 1.2503% | 2,010 |
| Noncurrent loans to loans | 1.8209% | 1,397 |
| Net loans and leases to total assets | 53.0901% | 4,651 |
| Net loans and leases to deposits | 58.9955% | 4,932 |
| Net loans and leases to core deposits | 64.0586% | 4,806 |
| Total domestic deposits to total assets | 89.9900% | 667 |
| Equity capital to assets | 9.2221% | 4,992 |
| Core capital (leverage) ratio | 8.9944% | 4,980 |
| Tier 1 risk-based capital ratio | 18.0369% | 2,055 |
| Total risk-based capital ratio | 19.2916% | 2,009 |
| Memoranda: | ||
| Average total assets | $52,481,330 | 5,626 |
| Average earning assets | $46,782,000 | 5,640 |
| Average equity | $4,734,330 | 5,845 |
| Average total loans | $28,159,000 | 5,548 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2043% | 5,641 |
| Cost of funding earning assets | 0.8716% | 331 |
| Net interest margin | 2.3327% | 6,141 |
| Noninterest income to average assets | 0.4548% | 3,605 |
| Noninterest expense to average assets | 1.9178% | 5,725 |
| Loan and lease loss provision to assets | 0.2502% | 664 |
| Net operating income to assets | 0.2881% | 5,454 |
| Return on assets (ROA) | 0.2881% | 5,548 |
| Pretax return on assets | 0.3563% | 5,525 |
| Return on Equity (ROE) | 3.2285% | 5,290 |
| Retained earnings to average equity (ytd only) | 3.2285% | 4,051 |
| Net charge-offs to loans | 0.7077% | 334 |
| Credit loss provision to net charge-offs | 66.0000% | 1,950 |
| Earnings coverage of net charge-offs (x) | 1.6000% | 2,894 |
| Efficiency ratio | 75.9760% | 2,516 |
| Assets per employee ($millions) | 5.3813% | 1,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6759% | 1,802 |
| Loan loss allowance to noncurrent loans | 75.6137% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 1.3956% | 1,899 |
| Noncurrent loans to loans | 2.2164% | 1,140 |
| Net loans and leases to total assets | 50.3689% | 4,807 |
| Net loans and leases to deposits | 55.7154% | 5,073 |
| Net loans and leases to core deposits | 60.2869% | 4,973 |
| Total domestic deposits to total assets | 90.4038% | 562 |
| Equity capital to assets | 8.7841% | 5,517 |
| Core capital (leverage) ratio | 8.9162% | 5,056 |
| Tier 1 risk-based capital ratio | 17.9345% | 2,157 |
| Total risk-based capital ratio | 19.1903% | 2,114 |
| Memoranda: | ||
| Average total assets | $52,768,000 | 5,668 |
| Average earning assets | $46,812,000 | 5,685 |
| Average equity | $4,708,000 | 5,904 |
| Average total loans | $28,262,000 | 5,581 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8391% | 4,353 |
| Cost of funding earning assets | 0.9950% | 236 |
| Net interest margin | 2.8441% | 5,736 |
| Noninterest income to average assets | 0.2728% | 5,170 |
| Noninterest expense to average assets | 2.2042% | 5,346 |
| Loan and lease loss provision to assets | 0.0589% | 3,355 |
| Net operating income to assets | 0.4671% | 4,934 |
| Return on assets (ROA) | 0.4671% | 5,037 |
| Pretax return on assets | 0.5064% | 5,234 |
| Return on Equity (ROE) | 5.1402% | 4,589 |
| Retained earnings to average equity (ytd only) | 2.9804% | 4,119 |
| Net charge-offs to loans | -0.0631% | 6,008 |
| Credit loss provision to net charge-offs | -157.8947% | 5,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5889% | 1,994 |
| Assets per employee ($millions) | 5.1723% | 2,100 |
| Cash dividends to net income (ytd only)* | 42.0168% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6542% | 1,916 |
| Loan loss allowance to noncurrent loans | 73.0183% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 1.5390% | 1,768 |
| Noncurrent loans to loans | 2.2654% | 1,155 |
| Net loans and leases to total assets | 55.0587% | 4,446 |
| Net loans and leases to deposits | 61.0775% | 4,797 |
| Net loans and leases to core deposits | 66.7464% | 4,618 |
| Total domestic deposits to total assets | 90.1456% | 674 |
| Equity capital to assets | 9.0656% | 5,220 |
| Core capital (leverage) ratio | 9.2644% | 4,582 |
| Tier 1 risk-based capital ratio | 16.6383% | 2,657 |
| Total risk-based capital ratio | 17.8944% | 2,605 |
| Memoranda: | ||
| Average total assets | $50,949,000 | 5,766 |
| Average earning assets | $44,723,800 | 5,809 |
| Average equity | $4,630,200 | 5,951 |
| Average total loans | $30,098,000 | 5,558 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8714% | 4,277 |
| Cost of funding earning assets | 1.0037% | 244 |
| Net interest margin | 2.8677% | 5,766 |
| Noninterest income to average assets | 0.2417% | 5,476 |
| Noninterest expense to average assets | 2.2355% | 5,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4755% | 4,972 |
| Return on assets (ROA) | 0.4755% | 5,052 |
| Pretax return on assets | 0.5280% | 5,243 |
| Return on Equity (ROE) | 5.2287% | 4,610 |
| Retained earnings to average equity (ytd only) | 3.7842% | 3,964 |
| Net charge-offs to loans | -0.0834% | 6,085 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8935% | 1,777 |
| Assets per employee ($millions) | 4.2084% | 3,464 |
| Cash dividends to net income (ytd only)* | 27.6261% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4901% | 2,769 |
| Loan loss allowance to noncurrent loans | 404.5045% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.4970% | 4,395 |
| Noncurrent loans to loans | 0.3684% | 4,810 |
| Net loans and leases to total assets | 58.7790% | 3,967 |
| Net loans and leases to deposits | 65.4078% | 4,396 |
| Net loans and leases to core deposits | 72.6303% | 4,091 |
| Total domestic deposits to total assets | 89.8655% | 799 |
| Equity capital to assets | 9.2711% | 5,061 |
| Core capital (leverage) ratio | 9.1903% | 4,803 |
| Tier 1 risk-based capital ratio | 16.2869% | 2,909 |
| Total risk-based capital ratio | 17.5427% | 2,857 |
| Memoranda: | ||
| Average total assets | $50,755,500 | 5,835 |
| Average earning assets | $44,634,000 | 5,876 |
| Average equity | $4,615,500 | 6,014 |
| Average total loans | $30,383,250 | 5,604 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8136% | 4,476 |
| Cost of funding earning assets | 1.0012% | 256 |
| Net interest margin | 2.8124% | 5,878 |
| Noninterest income to average assets | 0.2636% | 5,318 |
| Noninterest expense to average assets | 2.2384% | 5,315 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4642% | 4,956 |
| Return on assets (ROA) | 0.4642% | 5,030 |
| Pretax return on assets | 0.5114% | 5,248 |
| Return on Equity (ROE) | 5.1379% | 4,610 |
| Retained earnings to average equity (ytd only) | 2.9608% | 4,320 |
| Net charge-offs to loans | -0.1247% | 6,212 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4020% | 1,818 |
| Assets per employee ($millions) | 4.2402% | 3,391 |
| Cash dividends to net income (ytd only)* | 42.3729% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4822% | 2,983 |
| Loan loss allowance to noncurrent loans | 170.0758% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.8136% | 3,529 |
| Noncurrent loans to loans | 0.8715% | 3,526 |
| Net loans and leases to total assets | 58.6534% | 3,906 |
| Net loans and leases to deposits | 65.0423% | 4,371 |
| Net loans and leases to core deposits | 74.5559% | 3,778 |
| Total domestic deposits to total assets | 90.1773% | 721 |
| Equity capital to assets | 9.0779% | 5,223 |
| Core capital (leverage) ratio | 9.0158% | 4,997 |
| Tier 1 risk-based capital ratio | 15.9408% | 3,122 |
| Total risk-based capital ratio | 17.1935% | 3,061 |
| Memoranda: | ||
| Average total assets | $50,840,330 | 5,881 |
| Average earning assets | $44,944,330 | 5,917 |
| Average equity | $4,593,330 | 6,060 |
| Average total loans | $30,466,670 | 5,646 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7913% | 4,520 |
| Cost of funding earning assets | 1.0080% | 263 |
| Net interest margin | 2.7832% | 5,968 |
| Noninterest income to average assets | 0.2676% | 5,227 |
| Noninterest expense to average assets | 2.2117% | 5,432 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4644% | 4,878 |
| Return on assets (ROA) | 0.4644% | 4,946 |
| Pretax return on assets | 0.5116% | 5,133 |
| Return on Equity (ROE) | 5.1523% | 4,466 |
| Retained earnings to average equity (ytd only) | 5.1523% | 3,021 |
| Net charge-offs to loans | -0.0524% | 5,822 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2139% | 2,028 |
| Assets per employee ($millions) | 5.2309% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 3,469 |
| Loan loss allowance to noncurrent loans | 150.6944% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.5506% | 4,501 |
| Noncurrent loans to loans | 0.9481% | 3,519 |
| Net loans and leases to total assets | 57.2425% | 3,963 |
| Net loans and leases to deposits | 63.3071% | 4,399 |
| Net loans and leases to core deposits | 72.7443% | 3,788 |
| Total domestic deposits to total assets | 90.4204% | 849 |
| Equity capital to assets | 8.8130% | 5,317 |
| Core capital (leverage) ratio | 8.9134% | 5,122 |
| Tier 1 risk-based capital ratio | 15.7327% | 3,312 |
| Total risk-based capital ratio | 16.9852% | 3,277 |
| Memoranda: | ||
| Average total assets | $50,819,500 | 5,944 |
| Average earning assets | $44,840,000 | 5,975 |
| Average equity | $4,580,500 | 6,101 |
| Average total loans | $30,553,500 | 5,695 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8192% | 4,746 |
| Cost of funding earning assets | 1.0676% | 329 |
| Net interest margin | 2.7516% | 6,060 |
| Noninterest income to average assets | 0.3607% | 4,724 |
| Noninterest expense to average assets | 2.2040% | 5,618 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5859% | 4,328 |
| Return on assets (ROA) | 0.5859% | 4,440 |
| Pretax return on assets | 0.6118% | 4,839 |
| Return on Equity (ROE) | 6.6423% | 3,752 |
| Retained earnings to average equity (ytd only) | 4.3830% | 3,056 |
| Net charge-offs to loans | -0.0238% | 6,171 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2732% | 2,425 |
| Assets per employee ($millions) | 4.9330% | 2,265 |
| Cash dividends to net income (ytd only)* | 34.0136% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4318% | 3,502 |
| Loan loss allowance to noncurrent loans | 213.5922% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.4176% | 4,999 |
| Noncurrent loans to loans | 0.6704% | 4,300 |
| Net loans and leases to total assets | 61.4028% | 3,461 |
| Net loans and leases to deposits | 68.1670% | 4,027 |
| Net loans and leases to core deposits | 79.6246% | 3,176 |
| Total domestic deposits to total assets | 90.0770% | 1,036 |
| Equity capital to assets | 9.2256% | 4,775 |
| Core capital (leverage) ratio | 9.0715% | 4,902 |
| Tier 1 risk-based capital ratio | 15.9182% | 3,138 |
| Total risk-based capital ratio | 17.1703% | 3,092 |
| Memoranda: | ||
| Average total assets | $50,180,600 | 6,012 |
| Average earning assets | $44,773,600 | 6,027 |
| Average equity | $4,426,200 | 6,228 |
| Average total loans | $29,439,600 | 5,792 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7592% | 5,001 |
| Cost of funding earning assets | 1.0698% | 357 |
| Net interest margin | 2.6893% | 6,196 |
| Noninterest income to average assets | 0.3889% | 4,613 |
| Noninterest expense to average assets | 2.2092% | 5,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4868% | 4,853 |
| Return on assets (ROA) | 0.4868% | 5,011 |
| Pretax return on assets | 0.5874% | 5,066 |
| Return on Equity (ROE) | 5.5820% | 4,427 |
| Retained earnings to average equity (ytd only) | 2.5484% | 4,793 |
| Net charge-offs to loans | -0.0320% | 6,181 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9972% | 2,262 |
| Assets per employee ($millions) | 4.9811% | 2,189 |
| Cash dividends to net income (ytd only)* | 54.3472% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 3,656 |
| Loan loss allowance to noncurrent loans | 81.6327% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 1.0821% | 3,495 |
| Noncurrent loans to loans | 1.7844% | 2,520 |
| Net loans and leases to total assets | 59.7579% | 3,736 |
| Net loans and leases to deposits | 66.2114% | 4,275 |
| Net loans and leases to core deposits | 77.2060% | 3,468 |
| Total domestic deposits to total assets | 90.2532% | 862 |
| Equity capital to assets | 8.9157% | 5,285 |
| Core capital (leverage) ratio | 8.8417% | 5,342 |
| Tier 1 risk-based capital ratio | 15.8183% | 3,289 |
| Total risk-based capital ratio | 17.0721% | 3,242 |
| Memoranda: | ||
| Average total assets | $50,393,250 | 6,076 |
| Average earning assets | $45,115,250 | 6,090 |
| Average equity | $4,395,000 | 6,309 |
| Average total loans | $29,117,000 | 5,861 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6943% | 5,158 |
| Cost of funding earning assets | 1.0751% | 372 |
| Net interest margin | 2.6192% | 6,311 |
| Noninterest income to average assets | 0.4033% | 4,500 |
| Noninterest expense to average assets | 2.1982% | 5,635 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4586% | 4,978 |
| Return on assets (ROA) | 0.4586% | 5,151 |
| Pretax return on assets | 0.5456% | 5,217 |
| Return on Equity (ROE) | 5.2972% | 4,567 |
| Retained earnings to average equity (ytd only) | 3.0139% | 4,402 |
| Net charge-offs to loans | -0.0487% | 6,258 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1153% | 2,136 |
| Assets per employee ($millions) | 4.1947% | 3,369 |
| Cash dividends to net income (ytd only)* | 43.1034% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4724% | 3,710 |
| Loan loss allowance to noncurrent loans | 83.3333% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.0490% | 3,651 |
| Noncurrent loans to loans | 1.7669% | 2,679 |
| Net loans and leases to total assets | 58.4929% | 3,911 |
| Net loans and leases to deposits | 64.6062% | 4,421 |
| Net loans and leases to core deposits | 74.5694% | 3,719 |
| Total domestic deposits to total assets | 90.5376% | 735 |
| Equity capital to assets | 8.7870% | 5,457 |
| Core capital (leverage) ratio | 8.5564% | 5,599 |
| Tier 1 risk-based capital ratio | 15.9456% | 3,225 |
| Total risk-based capital ratio | 17.2002% | 3,163 |
| Memoranda: | ||
| Average total assets | $50,587,330 | 6,113 |
| Average earning assets | $45,205,330 | 6,129 |
| Average equity | $4,379,670 | 6,362 |
| Average total loans | $28,754,000 | 5,902 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6428% | 5,332 |
| Cost of funding earning assets | 1.0699% | 431 |
| Net interest margin | 2.5730% | 6,412 |
| Noninterest income to average assets | 0.4338% | 4,224 |
| Noninterest expense to average assets | 2.2558% | 5,554 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4102% | 5,087 |
| Return on assets (ROA) | 0.4102% | 5,238 |
| Pretax return on assets | 0.4733% | 5,351 |
| Return on Equity (ROE) | 4.7728% | 4,699 |
| Retained earnings to average equity (ytd only) | 0.1836% | 5,724 |
| Net charge-offs to loans | -0.0993% | 6,443 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6590% | 1,935 |
| Assets per employee ($millions) | 4.3574% | 3,226 |
| Cash dividends to net income (ytd only)* | 96.1538% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5149% | 3,757 |
| Loan loss allowance to noncurrent loans | 100.4566% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.8377% | 4,287 |
| Noncurrent loans to loans | 1.5080% | 3,291 |
| Net loans and leases to total assets | 54.7056% | 4,294 |
| Net loans and leases to deposits | 60.1223% | 4,780 |
| Net loans and leases to core deposits | 68.9410% | 4,190 |
| Total domestic deposits to total assets | 90.9905% | 523 |
| Equity capital to assets | 8.3364% | 6,164 |
| Core capital (leverage) ratio | 8.5190% | 5,564 |
| Tier 1 risk-based capital ratio | 18.2271% | 2,282 |
| Total risk-based capital ratio | 19.4857% | 2,241 |
| Memoranda: | ||
| Average total assets | $50,713,000 | 6,166 |
| Average earning assets | $45,239,500 | 6,182 |
| Average equity | $4,358,000 | 6,433 |
| Average total loans | $28,189,500 | 5,975 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0055% | 5,281 |
| Cost of funding earning assets | 1.2670% | 420 |
| Net interest margin | 2.7385% | 6,469 |
| Noninterest income to average assets | 0.5834% | 3,372 |
| Noninterest expense to average assets | 2.3454% | 5,575 |
| Loan and lease loss provision to assets | 0.2489% | 2,665 |
| Net operating income to assets | 0.5814% | 4,324 |
| Return on assets (ROA) | 0.5814% | 4,587 |
| Pretax return on assets | 0.3345% | 5,755 |
| Return on Equity (ROE) | 6.8891% | 3,706 |
| Retained earnings to average equity (ytd only) | 5.1196% | 2,622 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0816% | 2,132 |
| Assets per employee ($millions) | 4.0948% | 3,747 |
| Cash dividends to net income (ytd only)* | 25.6849% | 3,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 3,387 |
| Loan loss allowance to noncurrent loans | 175.3036% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.5027% | 5,216 |
| Noncurrent loans to loans | 0.9036% | 4,377 |
| Net loans and leases to total assets | 54.7469% | 4,498 |
| Net loans and leases to deposits | 60.8413% | 4,932 |
| Net loans and leases to core deposits | 70.5286% | 4,231 |
| Total domestic deposits to total assets | 89.9831% | 960 |
| Equity capital to assets | 8.8670% | 5,665 |
| Core capital (leverage) ratio | 8.1154% | 6,076 |
| Tier 1 risk-based capital ratio | 17.0622% | 2,620 |
| Total risk-based capital ratio | 18.3192% | 2,582 |
| Memoranda: | ||
| Average total assets | $50,226,400 | 6,207 |
| Average earning assets | $43,015,600 | 6,270 |
| Average equity | $4,238,600 | 6,515 |
| Average total loans | $26,850,000 | 6,087 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0404% | 5,394 |
| Cost of funding earning assets | 1.3020% | 434 |
| Net interest margin | 2.7383% | 6,594 |
| Noninterest income to average assets | 0.6337% | 3,084 |
| Noninterest expense to average assets | 2.3446% | 5,558 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5096% | 4,810 |
| Return on assets (ROA) | 0.5096% | 5,071 |
| Pretax return on assets | 0.6046% | 5,153 |
| Return on Equity (ROE) | 6.1138% | 4,276 |
| Retained earnings to average equity (ytd only) | 3.7379% | 4,263 |
| Net charge-offs to loans | -0.0349% | 6,612 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4987% | 2,170 |
| Assets per employee ($millions) | 4.2665% | 3,345 |
| Cash dividends to net income (ytd only)* | 38.8606% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 5,509 |
| Loan loss allowance to noncurrent loans | 56.1694% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 1.0151% | 4,253 |
| Noncurrent loans to loans | 2.0503% | 2,792 |
| Net loans and leases to total assets | 47.1991% | 5,640 |
| Net loans and leases to deposits | 51.8673% | 5,984 |
| Net loans and leases to core deposits | 60.1650% | 5,541 |
| Total domestic deposits to total assets | 90.9997% | 410 |
| Equity capital to assets | 7.6769% | 6,719 |
| Core capital (leverage) ratio | 8.2871% | 6,030 |
| Tier 1 risk-based capital ratio | 16.7625% | 2,862 |
| Total risk-based capital ratio | 18.0025% | 2,830 |
| Memoranda: | ||
| Average total assets | $50,498,750 | 6,271 |
| Average earning assets | $42,701,250 | 6,354 |
| Average equity | $4,209,000 | 6,598 |
| Average total loans | $26,729,000 | 6,178 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1573% | 5,097 |
| Cost of funding earning assets | 1.3632% | 403 |
| Net interest margin | 2.7941% | 6,591 |
| Noninterest income to average assets | 0.7862% | 2,255 |
| Noninterest expense to average assets | 2.4855% | 5,188 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5528% | 4,568 |
| Return on assets (ROA) | 0.5528% | 4,849 |
| Pretax return on assets | 0.6674% | 4,919 |
| Return on Equity (ROE) | 6.4398% | 4,075 |
| Retained earnings to average equity (ytd only) | 5.2473% | 3,125 |
| Net charge-offs to loans | -0.0298% | 6,522 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8312% | 2,347 |
| Assets per employee ($millions) | 5.0017% | 2,179 |
| Cash dividends to net income (ytd only)* | 18.5185% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 5,781 |
| Loan loss allowance to noncurrent loans | 36.5617% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 2.5051% | 2,231 |
| Noncurrent loans to loans | 3.0016% | 1,975 |
| Net loans and leases to total assets | 54.4155% | 4,728 |
| Net loans and leases to deposits | 60.3776% | 5,210 |
| Net loans and leases to core deposits | 71.9474% | 4,300 |
| Total domestic deposits to total assets | 90.1254% | 859 |
| Equity capital to assets | 8.4971% | 6,209 |
| Core capital (leverage) ratio | 8.4297% | 5,745 |
| Tier 1 risk-based capital ratio | 16.4531% | 2,943 |
| Total risk-based capital ratio | 17.6610% | 2,920 |
| Memoranda: | ||
| Average total assets | $48,843,330 | 6,357 |
| Average earning assets | $41,373,000 | 6,434 |
| Average equity | $4,192,670 | 6,634 |
| Average total loans | $26,810,670 | 6,217 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2381% | 4,971 |
| Cost of funding earning assets | 1.4291% | 380 |
| Net interest margin | 2.8090% | 6,627 |
| Noninterest income to average assets | 0.9450% | 1,582 |
| Noninterest expense to average assets | 2.5779% | 4,892 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6051% | 4,325 |
| Return on assets (ROA) | 0.6051% | 4,539 |
| Pretax return on assets | 0.7294% | 4,693 |
| Return on Equity (ROE) | 7.0125% | 3,778 |
| Retained earnings to average equity (ytd only) | 4.6110% | 3,805 |
| Net charge-offs to loans | -0.0605% | 6,610 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9449% | 2,504 |
| Assets per employee ($millions) | 5.5204% | 1,678 |
| Cash dividends to net income (ytd only)* | 34.2466% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 5,780 |
| Loan loss allowance to noncurrent loans | 107.8571% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 3.8604% | 1,445 |
| Noncurrent loans to loans | 1.0519% | 4,594 |
| Net loans and leases to total assets | 52.9688% | 4,888 |
| Net loans and leases to deposits | 58.5056% | 5,322 |
| Net loans and leases to core deposits | 69.3776% | 4,518 |
| Total domestic deposits to total assets | 90.5362% | 785 |
| Equity capital to assets | 8.4293% | 6,146 |
| Core capital (leverage) ratio | 8.5001% | 5,588 |
| Tier 1 risk-based capital ratio | 15.6339% | 3,374 |
| Total risk-based capital ratio | 16.7986% | 3,394 |
| Memoranda: | ||
| Average total assets | $48,256,500 | 6,424 |
| Average earning assets | $40,584,000 | 6,506 |
| Average equity | $4,164,000 | 6,677 |
| Average total loans | $26,456,500 | 6,281 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 5,290 |
| Cost of funding earning assets | 1.6176% | 442 |
| Net interest margin | 2.8188% | 6,800 |
| Noninterest income to average assets | 0.8271% | 1,936 |
| Noninterest expense to average assets | 2.5775% | 5,176 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5431% | 4,260 |
| Return on assets (ROA) | 0.5159% | 4,566 |
| Pretax return on assets | 0.5702% | 4,781 |
| Return on Equity (ROE) | 6.1087% | 3,813 |
| Retained earnings to average equity (ytd only) | 4.8721% | 2,730 |
| Net charge-offs to loans | 0.0447% | 5,862 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 23.8333% | 1,006 |
| Efficiency ratio | 81.1842% | 2,135 |
| Assets per employee ($millions) | 3.6022% | 4,765 |
| Cash dividends to net income (ytd only)* | 20.2429% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 5,689 |
| Loan loss allowance to noncurrent loans | 65.0655% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 4.4737% | 1,230 |
| Noncurrent loans to loans | 1.7418% | 3,548 |
| Net loans and leases to total assets | 55.5126% | 4,792 |
| Net loans and leases to deposits | 61.5815% | 5,297 |
| Net loans and leases to core deposits | 73.8880% | 4,257 |
| Total domestic deposits to total assets | 90.1450% | 914 |
| Equity capital to assets | 8.8407% | 5,745 |
| Core capital (leverage) ratio | 8.7740% | 5,140 |
| Tier 1 risk-based capital ratio | 15.0930% | 3,587 |
| Total risk-based capital ratio | 16.2158% | 3,619 |
| Memoranda: | ||
| Average total assets | $47,875,400 | 6,430 |
| Average earning assets | $39,874,800 | 6,533 |
| Average equity | $4,043,400 | 6,740 |
| Average total loans | $26,846,000 | 6,309 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4255% | 5,522 |
| Cost of funding earning assets | 1.6421% | 493 |
| Net interest margin | 2.7834% | 6,904 |
| Noninterest income to average assets | 0.8503% | 1,833 |
| Noninterest expense to average assets | 2.6064% | 5,057 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4764% | 4,652 |
| Return on assets (ROA) | 0.4404% | 5,011 |
| Pretax return on assets | 0.5318% | 5,035 |
| Return on Equity (ROE) | 5.2744% | 4,408 |
| Retained earnings to average equity (ytd only) | 5.2744% | 3,008 |
| Net charge-offs to loans | 0.0840% | 5,135 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 12.0569% | 1,747 |
| Efficiency ratio | 82.1117% | 1,956 |
| Assets per employee ($millions) | 3.6196% | 4,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 5,896 |
| Loan loss allowance to noncurrent loans | 30.1131% | 6,244 |
| Noncurrent assets plus other real estate owned to assets | 5.1068% | 1,123 |
| Noncurrent loans to loans | 3.6484% | 1,882 |
| Net loans and leases to total assets | 56.0536% | 4,830 |
| Net loans and leases to deposits | 62.1606% | 5,382 |
| Net loans and leases to core deposits | 72.1582% | 4,697 |
| Total domestic deposits to total assets | 90.1753% | 775 |
| Equity capital to assets | 8.7175% | 6,066 |
| Core capital (leverage) ratio | 8.4623% | 5,762 |
| Tier 1 risk-based capital ratio | 15.1645% | 3,569 |
| Total risk-based capital ratio | 16.2847% | 3,611 |
| Memoranda: | ||
| Average total assets | $48,137,000 | 6,474 |
| Average earning assets | $40,190,000 | 6,579 |
| Average equity | $4,019,250 | 6,796 |
| Average total loans | $26,984,000 | 6,352 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3939% | 5,717 |
| Cost of funding earning assets | 1.6786% | 505 |
| Net interest margin | 2.7153% | 7,011 |
| Noninterest income to average assets | 0.8495% | 1,805 |
| Noninterest expense to average assets | 2.6187% | 5,122 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4248% | 4,837 |
| Return on assets (ROA) | 0.4083% | 5,061 |
| Pretax return on assets | 0.4825% | 5,127 |
| Return on Equity (ROE) | 4.9603% | 4,472 |
| Retained earnings to average equity (ytd only) | 4.9603% | 3,033 |
| Net charge-offs to loans | 0.1034% | 4,653 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 8.6429% | 2,027 |
| Efficiency ratio | 83.9947% | 1,811 |
| Assets per employee ($millions) | 3.7185% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 5,977 |
| Loan loss allowance to noncurrent loans | 22.8571% | 6,620 |
| Noncurrent assets plus other real estate owned to assets | 5.6370% | 1,034 |
| Noncurrent loans to loans | 4.7920% | 1,373 |
| Net loans and leases to total assets | 55.2905% | 5,104 |
| Net loans and leases to deposits | 60.9811% | 5,613 |
| Net loans and leases to core deposits | 70.9832% | 4,955 |
| Total domestic deposits to total assets | 90.6684% | 650 |
| Equity capital to assets | 8.3614% | 6,352 |
| Core capital (leverage) ratio | 8.2175% | 6,005 |
| Tier 1 risk-based capital ratio | 14.8417% | 3,587 |
| Total risk-based capital ratio | 15.9653% | 3,630 |
| Memoranda: | ||
| Average total assets | $48,497,670 | 6,526 |
| Average earning assets | $40,511,000 | 6,621 |
| Average equity | $3,991,670 | 6,847 |
| Average total loans | $27,089,000 | 6,409 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3262% | 5,928 |
| Cost of funding earning assets | 1.7186% | 515 |
| Net interest margin | 2.6076% | 7,115 |
| Noninterest income to average assets | 0.9140% | 1,607 |
| Noninterest expense to average assets | 2.6433% | 5,067 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3870% | 5,007 |
| Return on assets (ROA) | 0.3870% | 5,093 |
| Pretax return on assets | 0.4447% | 5,206 |
| Return on Equity (ROE) | 4.7397% | 4,534 |
| Retained earnings to average equity (ytd only) | 4.7397% | 3,351 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6000% | 1,761 |
| Assets per employee ($millions) | 4.1229% | 3,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 5,823 |
| Loan loss allowance to noncurrent loans | 30.4818% | 6,278 |
| Noncurrent assets plus other real estate owned to assets | 4.9560% | 1,271 |
| Noncurrent loans to loans | 3.7905% | 1,933 |
| Net loans and leases to total assets | 53.6028% | 5,364 |
| Net loans and leases to deposits | 58.9700% | 5,830 |
| Net loans and leases to core deposits | 69.6246% | 5,097 |
| Total domestic deposits to total assets | 90.8984% | 677 |
| Equity capital to assets | 8.0647% | 6,433 |
| Core capital (leverage) ratio | 8.1498% | 6,052 |
| Tier 1 risk-based capital ratio | 14.6476% | 3,643 |
| Total risk-based capital ratio | 15.8223% | 3,654 |
| Memoranda: | ||
| Average total assets | $48,576,000 | 6,568 |
| Average earning assets | $40,497,000 | 6,669 |
| Average equity | $3,966,500 | 6,893 |
| Average total loans | $27,121,500 | 6,464 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6888% | 5,839 |
| Cost of funding earning assets | 2.0019% | 606 |
| Net interest margin | 2.6868% | 7,134 |
| Noninterest income to average assets | 0.8419% | 2,092 |
| Noninterest expense to average assets | 2.5729% | 5,533 |
| Loan and lease loss provision to assets | 0.0431% | 6,734 |
| Net operating income to assets | 0.3854% | 4,614 |
| Return on assets (ROA) | 0.3854% | 4,756 |
| Pretax return on assets | 0.4134% | 4,907 |
| Return on Equity (ROE) | 4.5888% | 4,255 |
| Retained earnings to average equity (ytd only) | 2.6661% | 3,995 |
| Net charge-offs to loans | 0.0537% | 6,255 |
| Credit loss provision to net charge-offs | 142.8571% | 2,618 |
| Earnings coverage of net charge-offs (x) | 15.1429% | 1,297 |
| Efficiency ratio | 84.9325% | 1,808 |
| Assets per employee ($millions) | 3.9731% | 3,841 |
| Cash dividends to net income (ytd only)* | 41.8994% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 5,822 |
| Loan loss allowance to noncurrent loans | 28.9179% | 6,352 |
| Noncurrent assets plus other real estate owned to assets | 5.2583% | 1,188 |
| Noncurrent loans to loans | 3.9106% | 1,871 |
| Net loans and leases to total assets | 56.8471% | 5,208 |
| Net loans and leases to deposits | 62.6514% | 5,777 |
| Net loans and leases to core deposits | 74.4772% | 4,914 |
| Total domestic deposits to total assets | 90.7356% | 728 |
| Equity capital to assets | 8.2702% | 6,177 |
| Core capital (leverage) ratio | 8.3194% | 5,662 |
| Tier 1 risk-based capital ratio | 14.2878% | 3,685 |
| Total risk-based capital ratio | 15.4473% | 3,695 |
| Memoranda: | ||
| Average total assets | $46,445,000 | 6,652 |
| Average earning assets | $37,813,800 | 6,802 |
| Average equity | $3,900,800 | 7,027 |
| Average total loans | $26,049,400 | 6,612 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7430% | 5,881 |
| Cost of funding earning assets | 2.0363% | 670 |
| Net interest margin | 2.7067% | 7,225 |
| Noninterest income to average assets | 0.8149% | 2,156 |
| Noninterest expense to average assets | 2.5517% | 5,508 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4104% | 4,704 |
| Return on assets (ROA) | 0.4104% | 4,880 |
| Pretax return on assets | 0.4566% | 5,054 |
| Return on Equity (ROE) | 4.8668% | 4,357 |
| Retained earnings to average equity (ytd only) | 3.1530% | 4,226 |
| Net charge-offs to loans | -0.0207% | 7,360 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8223% | 1,749 |
| Assets per employee ($millions) | 3.7010% | 4,508 |
| Cash dividends to net income (ytd only)* | 35.2136% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 5,409 |
| Loan loss allowance to noncurrent loans | 26.3473% | 6,557 |
| Noncurrent assets plus other real estate owned to assets | 5.4164% | 1,153 |
| Noncurrent loans to loans | 4.6151% | 1,545 |
| Net loans and leases to total assets | 52.0067% | 6,103 |
| Net loans and leases to deposits | 57.3084% | 6,521 |
| Net loans and leases to core deposits | 68.6965% | 5,877 |
| Total domestic deposits to total assets | 90.7489% | 530 |
| Equity capital to assets | 8.1703% | 6,645 |
| Core capital (leverage) ratio | 8.0446% | 6,284 |
| Tier 1 risk-based capital ratio | 15.4587% | 3,020 |
| Total risk-based capital ratio | 16.7093% | 2,993 |
| Memoranda: | ||
| Average total assets | $46,137,000 | 6,733 |
| Average earning assets | $37,387,750 | 6,899 |
| Average equity | $3,890,250 | 7,118 |
| Average total loans | $25,708,500 | 6,718 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8621% | 5,569 |
| Cost of funding earning assets | 2.0727% | 726 |
| Net interest margin | 2.7894% | 7,157 |
| Noninterest income to average assets | 0.8576% | 1,848 |
| Noninterest expense to average assets | 2.5683% | 5,461 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4618% | 4,498 |
| Return on assets (ROA) | 0.4618% | 4,658 |
| Pretax return on assets | 0.5145% | 4,861 |
| Return on Equity (ROE) | 5.4170% | 4,086 |
| Retained earnings to average equity (ytd only) | 2.8375% | 4,337 |
| Net charge-offs to loans | -0.0310% | 7,357 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3096% | 1,999 |
| Assets per employee ($millions) | 3.6901% | 4,499 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 5,447 |
| Loan loss allowance to noncurrent loans | 25.8173% | 6,624 |
| Noncurrent assets plus other real estate owned to assets | 5.4825% | 1,128 |
| Noncurrent loans to loans | 4.6567% | 1,544 |
| Net loans and leases to total assets | 52.7631% | 6,136 |
| Net loans and leases to deposits | 58.0607% | 6,571 |
| Net loans and leases to core deposits | 69.7830% | 5,898 |
| Total domestic deposits to total assets | 90.8757% | 538 |
| Equity capital to assets | 8.1174% | 6,635 |
| Core capital (leverage) ratio | 8.4916% | 5,422 |
| Tier 1 risk-based capital ratio | 14.6380% | 3,360 |
| Total risk-based capital ratio | 15.8334% | 3,358 |
| Memoranda: | ||
| Average total assets | $45,478,330 | 6,807 |
| Average earning assets | $36,280,330 | 6,990 |
| Average equity | $3,876,670 | 7,156 |
| Average total loans | $25,834,670 | 6,755 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0805% | 4,628 |
| Cost of funding earning assets | 2.1757% | 639 |
| Net interest margin | 2.9048% | 7,014 |
| Noninterest income to average assets | 0.9224% | 1,550 |
| Noninterest expense to average assets | 2.5864% | 5,407 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5245% | 4,263 |
| Return on assets (ROA) | 0.5245% | 4,403 |
| Pretax return on assets | 0.6059% | 4,580 |
| Return on Equity (ROE) | 5.9979% | 3,885 |
| Retained earnings to average equity (ytd only) | 5.9979% | 2,625 |
| Net charge-offs to loans | -0.0617% | 7,403 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0198% | 2,406 |
| Assets per employee ($millions) | 3.7550% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 5,435 |
| Loan loss allowance to noncurrent loans | 26.0796% | 6,669 |
| Noncurrent assets plus other real estate owned to assets | 5.8100% | 1,045 |
| Noncurrent loans to loans | 4.6518% | 1,592 |
| Net loans and leases to total assets | 55.6591% | 5,798 |
| Net loans and leases to deposits | 61.7187% | 6,302 |
| Net loans and leases to core deposits | 69.1080% | 5,991 |
| Total domestic deposits to total assets | 90.1820% | 899 |
| Equity capital to assets | 8.6485% | 5,800 |
| Core capital (leverage) ratio | 8.7367% | 4,962 |
| Tier 1 risk-based capital ratio | 14.8096% | 3,206 |
| Total risk-based capital ratio | 16.0181% | 3,183 |
| Memoranda: | ||
| Average total assets | $44,232,000 | 6,943 |
| Average earning assets | $34,563,500 | 7,147 |
| Average equity | $3,868,000 | 7,225 |
| Average total loans | $25,942,500 | 6,828 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6928% | 3,138 |
| Cost of funding earning assets | 2.5788% | 833 |
| Net interest margin | 3.1139% | 6,333 |
| Noninterest income to average assets | 0.9334% | 1,819 |
| Noninterest expense to average assets | 2.6778% | 5,493 |
| Loan and lease loss provision to assets | 0.5198% | 3,772 |
| Net operating income to assets | 0.0809% | 5,264 |
| Return on assets (ROA) | 0.0809% | 5,307 |
| Pretax return on assets | 0.1155% | 5,185 |
| Return on Equity (ROE) | 0.9147% | 5,255 |
| Retained earnings to average equity (ytd only) | 0.9147% | 4,383 |
| Net charge-offs to loans | 0.6715% | 3,171 |
| Credit loss provision to net charge-offs | 130.8140% | 3,882 |
| Earnings coverage of net charge-offs (x) | 1.5988% | 4,545 |
| Efficiency ratio | 80.8229% | 2,770 |
| Assets per employee ($millions) | 4.3404% | 3,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 5,652 |
| Loan loss allowance to noncurrent loans | 25.6324% | 6,758 |
| Noncurrent assets plus other real estate owned to assets | 6.0432% | 936 |
| Noncurrent loans to loans | 4.4760% | 1,589 |
| Net loans and leases to total assets | 60.3470% | 5,282 |
| Net loans and leases to deposits | 66.9966% | 5,947 |
| Net loans and leases to core deposits | 89.8220% | 5,149 |
| Total domestic deposits to total assets | 90.0746% | 925 |
| Equity capital to assets | 8.8448% | 5,363 |
| Core capital (leverage) ratio | 8.8135% | 4,747 |
| Tier 1 risk-based capital ratio | 13.4820% | 3,835 |
| Total risk-based capital ratio | 14.5847% | 3,869 |
| Memoranda: | ||
| Average total assets | $43,282,000 | 6,980 |
| Average earning assets | $33,077,000 | 7,227 |
| Average equity | $3,826,600 | 7,347 |
| Average total loans | $25,612,800 | 6,877 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6791% | 3,438 |
| Cost of funding earning assets | 2.6076% | 1,013 |
| Net interest margin | 3.0715% | 6,395 |
| Noninterest income to average assets | 0.9402% | 1,815 |
| Noninterest expense to average assets | 2.7312% | 5,186 |
| Loan and lease loss provision to assets | 0.3545% | 4,197 |
| Net operating income to assets | 0.1572% | 5,297 |
| Return on assets (ROA) | 0.1572% | 5,353 |
| Pretax return on assets | 0.2220% | 5,247 |
| Return on Equity (ROE) | 1.7785% | 5,239 |
| Retained earnings to average equity (ytd only) | 1.7785% | 4,320 |
| Net charge-offs to loans | 0.5041% | 3,211 |
| Credit loss provision to net charge-offs | 119.7917% | 4,241 |
| Earnings coverage of net charge-offs (x) | 1.9479% | 4,353 |
| Efficiency ratio | 82.5722% | 2,501 |
| Assets per employee ($millions) | 4.3662% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 5,961 |
| Loan loss allowance to noncurrent loans | 94.4056% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 3.9554% | 1,631 |
| Noncurrent loans to loans | 1.1236% | 5,068 |
| Net loans and leases to total assets | 57.6817% | 5,931 |
| Net loans and leases to deposits | 64.1738% | 6,476 |
| Net loans and leases to core deposits | 85.6691% | 5,896 |
| Total domestic deposits to total assets | 89.8837% | 816 |
| Equity capital to assets | 8.8292% | 5,739 |
| Core capital (leverage) ratio | 8.8112% | 4,955 |
| Tier 1 risk-based capital ratio | 13.8410% | 3,637 |
| Total risk-based capital ratio | 14.8463% | 3,718 |
| Memoranda: | ||
| Average total assets | $43,251,500 | 7,031 |
| Average earning assets | $33,337,750 | 7,277 |
| Average equity | $3,823,500 | 7,409 |
| Average total loans | $25,391,750 | 6,946 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7107% | 3,478 |
| Cost of funding earning assets | 2.6786% | 1,081 |
| Net interest margin | 3.0321% | 6,459 |
| Noninterest income to average assets | 0.9370% | 1,809 |
| Noninterest expense to average assets | 2.7972% | 4,972 |
| Loan and lease loss provision to assets | 0.5335% | 2,895 |
| Net operating income to assets | -0.0881% | 5,987 |
| Return on assets (ROA) | -0.0881% | 6,041 |
| Pretax return on assets | -0.0464% | 5,930 |
| Return on Equity (ROE) | -0.9966% | 6,071 |
| Retained earnings to average equity (ytd only) | -0.9966% | 5,483 |
| Net charge-offs to loans | 0.7568% | 2,169 |
| Credit loss provision to net charge-offs | 119.7917% | 3,881 |
| Earnings coverage of net charge-offs (x) | 1.0938% | 4,693 |
| Efficiency ratio | 85.1695% | 2,338 |
| Assets per employee ($millions) | 3.5796% | 4,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 5,898 |
| Loan loss allowance to noncurrent loans | 92.7835% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 4.0321% | 1,458 |
| Noncurrent loans to loans | 1.1333% | 4,951 |
| Net loans and leases to total assets | 59.1479% | 5,816 |
| Net loans and leases to deposits | 65.7089% | 6,419 |
| Net loans and leases to core deposits | 88.2985% | 5,694 |
| Total domestic deposits to total assets | 90.0151% | 826 |
| Equity capital to assets | 8.8115% | 5,579 |
| Core capital (leverage) ratio | 8.4907% | 5,468 |
| Tier 1 risk-based capital ratio | 13.3769% | 3,881 |
| Total risk-based capital ratio | 14.3665% | 3,981 |
| Memoranda: | ||
| Average total assets | $43,114,670 | 7,092 |
| Average earning assets | $33,375,670 | 7,343 |
| Average equity | $3,813,000 | 7,470 |
| Average total loans | $25,370,670 | 7,001 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5542% | 4,613 |
| Cost of funding earning assets | 2.7296% | 1,182 |
| Net interest margin | 2.8246% | 6,941 |
| Noninterest income to average assets | 0.9353% | 1,716 |
| Noninterest expense to average assets | 2.6670% | 5,159 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4260% | 4,760 |
| Return on assets (ROA) | 0.4260% | 4,934 |
| Pretax return on assets | 0.4723% | 5,163 |
| Return on Equity (ROE) | 4.8079% | 4,550 |
| Retained earnings to average equity (ytd only) | 4.8079% | 3,232 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9558% | 2,200 |
| Assets per employee ($millions) | 3.7185% | 4,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 6,293 |
| Loan loss allowance to noncurrent loans | 108.6580% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 3.7470% | 1,412 |
| Noncurrent loans to loans | 0.9034% | 5,195 |
| Net loans and leases to total assets | 56.7433% | 6,135 |
| Net loans and leases to deposits | 62.9178% | 6,653 |
| Net loans and leases to core deposits | 85.6071% | 5,935 |
| Total domestic deposits to total assets | 90.1865% | 715 |
| Equity capital to assets | 8.6280% | 5,875 |
| Core capital (leverage) ratio | 8.8646% | 4,900 |
| Tier 1 risk-based capital ratio | 13.4984% | 3,864 |
| Total risk-based capital ratio | 14.4134% | 3,996 |
| Memoranda: | ||
| Average total assets | $43,194,500 | 7,127 |
| Average earning assets | $33,704,000 | 7,371 |
| Average equity | $3,827,000 | 7,511 |
| Average total loans | $25,217,500 | 7,050 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4818% | 3,049 |
| Cost of funding earning assets | 3.4155% | 681 |
| Net interest margin | 3.0663% | 6,749 |
| Noninterest income to average assets | 0.9584% | 1,732 |
| Noninterest expense to average assets | 2.7345% | 5,116 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6308% | 4,187 |
| Return on assets (ROA) | 0.6308% | 4,033 |
| Pretax return on assets | 0.6745% | 4,467 |
| Return on Equity (ROE) | 6.8958% | 3,584 |
| Retained earnings to average equity (ytd only) | 2.9175% | 3,359 |
| Net charge-offs to loans | 0.0277% | 6,438 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 39.7143% | 938 |
| Efficiency ratio | 80.2135% | 2,567 |
| Assets per employee ($millions) | 3.4806% | 4,727 |
| Cash dividends to net income (ytd only)* | 57.6923% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 5,943 |
| Loan loss allowance to noncurrent loans | 298.8095% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 3.6512% | 1,198 |
| Noncurrent loans to loans | 0.3378% | 6,363 |
| Net loans and leases to total assets | 58.9293% | 6,069 |
| Net loans and leases to deposits | 65.7083% | 6,664 |
| Net loans and leases to core deposits | 90.9706% | 5,722 |
| Total domestic deposits to total assets | 89.6832% | 772 |
| Equity capital to assets | 9.1077% | 5,215 |
| Core capital (leverage) ratio | 9.2037% | 4,433 |
| Tier 1 risk-based capital ratio | 13.7096% | 3,689 |
| Total risk-based capital ratio | 14.6502% | 3,777 |
| Memoranda: | ||
| Average total assets | $41,214,600 | 7,158 |
| Average earning assets | $32,938,200 | 7,377 |
| Average equity | $3,770,400 | 7,589 |
| Average total loans | $25,310,000 | 7,008 |