Home > State Bank of Industry > Performance and Condition Ratios
State Bank of Industry, 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 | 4.5141% | 3,078 |
| Cost of funding earning assets | 1.4449% | 2,092 |
| Net interest margin | 3.0693% | 3,155 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.0387% | 3,532 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 0.9184% | 2,489 |
| Return on assets (ROA) | 0.9184% | 2,459 |
| Pretax return on assets | 0.9287% | 2,878 |
| Return on Equity (ROE) | 7.6800% | 3,103 |
| Retained earnings to average equity (ytd only) | 2.8309% | 3,334 |
| Net charge-offs to loans | 0.5618% | 177 |
| Credit loss provision to net charge-offs | 66.1376% | 2,114 |
| Earnings coverage of net charge-offs (x) | 3.5079% | 2,635 |
| Efficiency ratio | 64.0456% | 2,598 |
| Assets per employee ($millions) | 8.4254% | 1,212 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 1,331 |
| Loan loss allowance to noncurrent loans | 358.5714% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.2374% | 2,025 |
| Noncurrent loans to loans | 0.3947% | 1,801 |
| Net loans and leases to total assets | 59.2900% | 2,909 |
| Net loans and leases to deposits | 68.0054% | 3,031 |
| Net loans and leases to core deposits | 83.3619% | 2,501 |
| Total domestic deposits to total assets | 87.1800% | 1,617 |
| Equity capital to assets | 12.2927% | 1,038 |
| Core capital (leverage) ratio | 15.0713% | 613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9950% | 479 |
| Memoranda: | ||
| Average total assets | $57,928,400 | 4,234 |
| Average earning assets | $56,267,800 | 4,185 |
| Average equity | $6,923,600 | 4,057 |
| Average total loans | $33,639,400 | 4,087 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4066% | 3,085 |
| Cost of funding earning assets | 1.3103% | 2,124 |
| Net interest margin | 3.0963% | 3,148 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 1.9653% | 3,677 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1676% | 1,884 |
| Return on assets (ROA) | 1.1676% | 1,864 |
| Pretax return on assets | 1.1815% | 2,341 |
| Return on Equity (ROE) | 9.8400% | 2,687 |
| Retained earnings to average equity (ytd only) | 4.9302% | 2,958 |
| Net charge-offs to loans | 0.1005% | 781 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 20.4400% | 1,809 |
| Efficiency ratio | 62.4541% | 2,665 |
| Assets per employee ($millions) | 8.0099% | 1,342 |
| Cash dividends to net income (ytd only)* | 49.9010% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6080% | 872 |
| Loan loss allowance to noncurrent loans | 344.5860% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.2800% | 1,884 |
| Noncurrent loans to loans | 0.4666% | 1,655 |
| Net loans and leases to total assets | 59.0400% | 2,934 |
| Net loans and leases to deposits | 67.6158% | 3,006 |
| Net loans and leases to core deposits | 80.4452% | 2,566 |
| Total domestic deposits to total assets | 87.3200% | 1,793 |
| Equity capital to assets | 12.1047% | 1,015 |
| Core capital (leverage) ratio | 14.6724% | 685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5079% | 404 |
| Memoranda: | ||
| Average total assets | $57,666,000 | 4,253 |
| Average earning assets | $56,066,000 | 4,205 |
| Average equity | $6,842,000 | 4,063 |
| Average total loans | $33,182,000 | 4,110 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1196% | 3,448 |
| Cost of funding earning assets | 1.0661% | 2,395 |
| Net interest margin | 3.0535% | 3,316 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 1.9794% | 3,638 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0756% | 2,191 |
| Return on assets (ROA) | 1.0756% | 2,188 |
| Pretax return on assets | 1.0963% | 2,656 |
| Return on Equity (ROE) | 9.1200% | 2,949 |
| Retained earnings to average equity (ytd only) | 4.2272% | 3,153 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.3575% | 2,442 |
| Assets per employee ($millions) | 8.6567% | 1,015 |
| Cash dividends to net income (ytd only)* | 53.6741% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8091% | 598 |
| Loan loss allowance to noncurrent loans | 509.9099% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 2,278 |
| Noncurrent loans to loans | 0.3548% | 1,864 |
| Net loans and leases to total assets | 50.7000% | 3,512 |
| Net loans and leases to deposits | 57.4302% | 3,564 |
| Net loans and leases to core deposits | 70.1883% | 3,120 |
| Total domestic deposits to total assets | 88.2700% | 1,505 |
| Equity capital to assets | 11.2415% | 1,293 |
| Core capital (leverage) ratio | 14.6857% | 631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2894% | 420 |
| Memoranda: | ||
| Average total assets | $58,198,333 | 4,265 |
| Average earning assets | $56,655,667 | 4,224 |
| Average equity | $6,860,333 | 4,093 |
| Average total loans | $33,027,667 | 4,125 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9088% | 3,653 |
| Cost of funding earning assets | 0.9015% | 2,367 |
| Net interest margin | 3.0073% | 3,585 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 1.8807% | 3,896 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1228% | 2,154 |
| Return on assets (ROA) | 1.1228% | 2,119 |
| Pretax return on assets | 1.1649% | 2,525 |
| Return on Equity (ROE) | 9.3000% | 2,969 |
| Retained earnings to average equity (ytd only) | 4.4157% | 3,151 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.7512% | 2,726 |
| Assets per employee ($millions) | 8.2817% | 1,213 |
| Cash dividends to net income (ytd only)* | 52.5000% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7342% | 746 |
| Loan loss allowance to noncurrent loans | 413.1387% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.2363% | 1,935 |
| Noncurrent loans to loans | 0.4198% | 1,680 |
| Net loans and leases to total assets | 55.3200% | 3,087 |
| Net loans and leases to deposits | 63.0482% | 3,164 |
| Net loans and leases to core deposits | 75.8885% | 2,539 |
| Total domestic deposits to total assets | 87.7500% | 2,006 |
| Equity capital to assets | 11.8074% | 1,058 |
| Core capital (leverage) ratio | 14.7964% | 610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9801% | 443 |
| Memoranda: | ||
| Average total assets | $56,999,000 | 4,340 |
| Average earning assets | $55,465,000 | 4,289 |
| Average equity | $6,884,500 | 4,139 |
| Average total loans | $33,898,500 | 4,173 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1808% | 3,849 |
| Cost of funding earning assets | 0.4059% | 2,048 |
| Net interest margin | 2.7749% | 3,933 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 1.9637% | 3,678 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8710% | 3,076 |
| Return on assets (ROA) | 0.8710% | 3,012 |
| Pretax return on assets | 0.8833% | 3,409 |
| Return on Equity (ROE) | 6.7700% | 3,681 |
| Retained earnings to average equity (ytd only) | 2.1758% | 3,941 |
| Net charge-offs to loans | 0.0378% | 1,340 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 41.8333% | 1,476 |
| Efficiency ratio | 68.9740% | 1,828 |
| Assets per employee ($millions) | 8.0037% | 1,320 |
| Cash dividends to net income (ytd only)* | 67.8788% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8988% | 3,774 |
| Loan loss allowance to noncurrent loans | 644.8980% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 2,937 |
| Noncurrent loans to loans | 0.1394% | 2,817 |
| Net loans and leases to total assets | 62.1900% | 2,413 |
| Net loans and leases to deposits | 71.2959% | 2,465 |
| Net loans and leases to core deposits | 82.4257% | 1,977 |
| Total domestic deposits to total assets | 87.2300% | 2,315 |
| Equity capital to assets | 12.3585% | 832 |
| Core capital (leverage) ratio | 15.7545% | 482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5574% | 445 |
| Memoranda: | ||
| Average total assets | $56,832,000 | 4,371 |
| Average earning assets | $55,425,800 | 4,317 |
| Average equity | $7,307,800 | 4,176 |
| Average total loans | $31,741,800 | 4,212 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0469% | 3,800 |
| Cost of funding earning assets | 0.3282% | 1,877 |
| Net interest margin | 2.7187% | 3,892 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 1.9310% | 3,672 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8229% | 3,162 |
| Return on assets (ROA) | 0.8229% | 3,125 |
| Pretax return on assets | 0.8393% | 3,492 |
| Return on Equity (ROE) | 6.3400% | 3,729 |
| Retained earnings to average equity (ytd only) | 1.8008% | 4,071 |
| Net charge-offs to loans | 0.0475% | 1,009 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 32.6364% | 1,485 |
| Efficiency ratio | 69.7046% | 1,795 |
| Assets per employee ($millions) | 7.9361% | 1,356 |
| Cash dividends to net income (ytd only)* | 71.5909% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 3,761 |
| Loan loss allowance to noncurrent loans | 193.2927% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.2952% | 1,766 |
| Noncurrent loans to loans | 0.4827% | 1,594 |
| Net loans and leases to total assets | 60.5900% | 2,438 |
| Net loans and leases to deposits | 69.1497% | 2,442 |
| Net loans and leases to core deposits | 79.9829% | 1,904 |
| Total domestic deposits to total assets | 87.6200% | 2,547 |
| Equity capital to assets | 11.9129% | 903 |
| Core capital (leverage) ratio | 15.3008% | 511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4937% | 465 |
| Memoranda: | ||
| Average total assets | $57,033,500 | 4,404 |
| Average earning assets | $55,662,000 | 4,354 |
| Average equity | $7,403,750 | 4,202 |
| Average total loans | $30,887,500 | 4,250 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8295% | 3,932 |
| Cost of funding earning assets | 0.2990% | 1,720 |
| Net interest margin | 2.5306% | 4,033 |
| Noninterest income to average assets | 0.1252% | 4,370 |
| Noninterest expense to average assets | 1.9400% | 3,603 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6327% | 3,532 |
| Return on assets (ROA) | 0.6327% | 3,479 |
| Pretax return on assets | 0.6571% | 3,692 |
| Return on Equity (ROE) | 4.7484% | 3,866 |
| Retained earnings to average equity (ytd only) | 0.3653% | 4,118 |
| Net charge-offs to loans | 0.0737% | 722 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 17.1818% | 1,607 |
| Efficiency ratio | 74.6988% | 1,426 |
| Assets per employee ($millions) | 8.1060% | 1,245 |
| Cash dividends to net income (ytd only)* | 92.3077% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 3,501 |
| Loan loss allowance to noncurrent loans | 31,700.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 4,058 |
| Noncurrent loans to loans | 0.0032% | 3,978 |
| Net loans and leases to total assets | 54.0940% | 2,956 |
| Net loans and leases to deposits | 61.7486% | 2,906 |
| Net loans and leases to core deposits | 68.5685% | 2,599 |
| Total domestic deposits to total assets | 87.6035% | 2,732 |
| Equity capital to assets | 11.9735% | 884 |
| Core capital (leverage) ratio | 14.7773% | 502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6760% | 384 |
| Memoranda: | ||
| Average total assets | $57,527,000 | 4,442 |
| Average earning assets | $56,193,000 | 4,398 |
| Average equity | $7,665,667 | 4,238 |
| Average total loans | $29,857,667 | 4,316 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7610% | 3,820 |
| Cost of funding earning assets | 0.2966% | 1,688 |
| Net interest margin | 2.4644% | 3,966 |
| Noninterest income to average assets | 0.1312% | 4,355 |
| Noninterest expense to average assets | 1.8439% | 3,825 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6492% | 3,232 |
| Return on assets (ROA) | 0.6492% | 3,215 |
| Pretax return on assets | 0.6975% | 3,402 |
| Return on Equity (ROE) | 4.6411% | 3,717 |
| Retained earnings to average equity (ytd only) | 0.4937% | 3,921 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5543% | 1,904 |
| Assets per employee ($millions) | 7.5004% | 1,682 |
| Cash dividends to net income (ytd only)* | 89.3617% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 3,082 |
| Loan loss allowance to noncurrent loans | 1,131.0345% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 3,559 |
| Noncurrent loans to loans | 0.1020% | 3,330 |
| Net loans and leases to total assets | 46.8360% | 3,501 |
| Net loans and leases to deposits | 53.9374% | 3,425 |
| Net loans and leases to core deposits | 59.9480% | 3,151 |
| Total domestic deposits to total assets | 86.8340% | 2,983 |
| Equity capital to assets | 12.7877% | 742 |
| Core capital (leverage) ratio | 14.4036% | 523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5345% | 353 |
| Memoranda: | ||
| Average total assets | $57,919,500 | 4,464 |
| Average earning assets | $56,645,500 | 4,415 |
| Average equity | $8,101,500 | 4,261 |
| Average total loans | $29,281,000 | 4,345 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3837% | 2,977 |
| Cost of funding earning assets | 0.3687% | 1,775 |
| Net interest margin | 3.0150% | 3,155 |
| Noninterest income to average assets | 0.2138% | 4,090 |
| Noninterest expense to average assets | 1.9792% | 3,742 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1615% | 2,053 |
| Return on assets (ROA) | 1.1615% | 2,117 |
| Pretax return on assets | 1.1775% | 2,739 |
| Return on Equity (ROE) | 7.6117% | 3,348 |
| Retained earnings to average equity (ytd only) | 3.6891% | 3,345 |
| Net charge-offs to loans | 0.1371% | 680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 15.0227% | 2,011 |
| Efficiency ratio | 62.6975% | 2,764 |
| Assets per employee ($millions) | 6.9795% | 1,940 |
| Cash dividends to net income (ytd only)* | 51.5337% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 3,403 |
| Loan loss allowance to noncurrent loans | 169.9482% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 1,842 |
| Noncurrent loans to loans | 0.6405% | 1,555 |
| Net loans and leases to total assets | 53.3760% | 2,924 |
| Net loans and leases to deposits | 63.2989% | 2,754 |
| Net loans and leases to core deposits | 71.1883% | 2,335 |
| Total domestic deposits to total assets | 84.3237% | 3,468 |
| Equity capital to assets | 15.2769% | 459 |
| Core capital (leverage) ratio | 15.5431% | 407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5979% | 366 |
| Memoranda: | ||
| Average total assets | $56,134,600 | 4,498 |
| Average earning assets | $54,792,200 | 4,453 |
| Average equity | $8,565,800 | 4,284 |
| Average total loans | $32,096,000 | 4,334 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4980% | 2,843 |
| Cost of funding earning assets | 0.3865% | 1,810 |
| Net interest margin | 3.1115% | 3,023 |
| Noninterest income to average assets | 0.3653% | 3,269 |
| Noninterest expense to average assets | 1.8810% | 3,988 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4991% | 1,278 |
| Return on assets (ROA) | 1.4991% | 1,321 |
| Pretax return on assets | 1.5205% | 1,939 |
| Return on Equity (ROE) | 9.8271% | 2,798 |
| Retained earnings to average equity (ytd only) | 5.9087% | 2,866 |
| Net charge-offs to loans | 0.0982% | 746 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 26.7083% | 1,597 |
| Efficiency ratio | 55.2999% | 3,618 |
| Assets per employee ($millions) | 6.7075% | 2,089 |
| Cash dividends to net income (ytd only)* | 39.8734% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 3,507 |
| Loan loss allowance to noncurrent loans | 163.3803% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.3969% | 1,861 |
| Noncurrent loans to loans | 0.6640% | 1,646 |
| Net loans and leases to total assets | 59.1334% | 2,360 |
| Net loans and leases to deposits | 71.0009% | 2,144 |
| Net loans and leases to core deposits | 79.8626% | 1,746 |
| Total domestic deposits to total assets | 83.2855% | 3,639 |
| Equity capital to assets | 16.2039% | 396 |
| Core capital (leverage) ratio | 15.3965% | 443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0491% | 425 |
| Memoranda: | ||
| Average total assets | $56,209,250 | 4,555 |
| Average earning assets | $54,849,000 | 4,506 |
| Average equity | $8,574,750 | 4,345 |
| Average total loans | $32,587,250 | 4,383 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6789% | 2,395 |
| Cost of funding earning assets | 0.4020% | 1,868 |
| Net interest margin | 3.2769% | 2,528 |
| Noninterest income to average assets | 0.5012% | 2,619 |
| Noninterest expense to average assets | 1.8682% | 4,041 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8016% | 713 |
| Return on assets (ROA) | 1.8016% | 745 |
| Pretax return on assets | 1.8332% | 1,160 |
| Return on Equity (ROE) | 12.0450% | 2,042 |
| Retained earnings to average equity (ytd only) | 8.1081% | 2,036 |
| Net charge-offs to loans | 0.0794% | 876 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 40.2308% | 1,162 |
| Efficiency ratio | 50.4735% | 4,193 |
| Assets per employee ($millions) | 7.1124% | 1,715 |
| Cash dividends to net income (ytd only)* | 32.6848% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 3,292 |
| Loan loss allowance to noncurrent loans | 498.6111% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.1265% | 3,392 |
| Noncurrent loans to loans | 0.2266% | 3,153 |
| Net loans and leases to total assets | 55.2119% | 2,993 |
| Net loans and leases to deposits | 65.4902% | 2,866 |
| Net loans and leases to core deposits | 73.5335% | 2,456 |
| Total domestic deposits to total assets | 84.3055% | 3,341 |
| Equity capital to assets | 15.2340% | 493 |
| Core capital (leverage) ratio | 14.6850% | 512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7601% | 387 |
| Memoranda: | ||
| Average total assets | $57,059,000 | 4,573 |
| Average earning assets | $55,723,333 | 4,527 |
| Average equity | $8,534,667 | 4,368 |
| Average total loans | $32,756,667 | 4,412 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1380% | 1,308 |
| Cost of funding earning assets | 0.4303% | 1,859 |
| Net interest margin | 3.7077% | 1,318 |
| Noninterest income to average assets | 0.9031% | 1,319 |
| Noninterest expense to average assets | 1.9811% | 3,778 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.5412% | 248 |
| Return on assets (ROA) | 2.5412% | 270 |
| Pretax return on assets | 2.5412% | 406 |
| Return on Equity (ROE) | 17.1469% | 827 |
| Retained earnings to average equity (ytd only) | 13.1790% | 880 |
| Net charge-offs to loans | -0.0241% | 4,081 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8080% | 4,592 |
| Assets per employee ($millions) | 7.4571% | 1,478 |
| Cash dividends to net income (ytd only)* | 23.1405% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1668% | 3,111 |
| Loan loss allowance to noncurrent loans | 415.5556% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.1509% | 3,413 |
| Noncurrent loans to loans | 0.2808% | 3,092 |
| Net loans and leases to total assets | 53.1036% | 3,334 |
| Net loans and leases to deposits | 62.2739% | 3,298 |
| Net loans and leases to core deposits | 69.7951% | 2,882 |
| Total domestic deposits to total assets | 85.2742% | 3,003 |
| Equity capital to assets | 14.2951% | 611 |
| Core capital (leverage) ratio | 14.8058% | 513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2385% | 391 |
| Memoranda: | ||
| Average total assets | $57,139,000 | 4,593 |
| Average earning assets | $55,775,500 | 4,540 |
| Average equity | $8,468,000 | 4,392 |
| Average total loans | $33,248,000 | 4,428 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7894% | 3,334 |
| Cost of funding earning assets | 0.8221% | 1,121 |
| Net interest margin | 2.9673% | 3,968 |
| Noninterest income to average assets | 0.1550% | 4,518 |
| Noninterest expense to average assets | 1.8523% | 4,386 |
| Loan and lease loss provision to assets | 0.0901% | 3,239 |
| Net operating income to assets | 1.0452% | 2,120 |
| Return on assets (ROA) | 1.0523% | 2,236 |
| Pretax return on assets | 1.0685% | 2,822 |
| Return on Equity (ROE) | 7.1423% | 3,152 |
| Retained earnings to average equity (ytd only) | 3.0330% | 3,332 |
| Net charge-offs to loans | 0.0143% | 2,837 |
| Credit loss provision to net charge-offs | 1,000.0000% | 779 |
| Earnings coverage of net charge-offs (x) | 127.8000% | 665 |
| Efficiency ratio | 61.6677% | 3,195 |
| Assets per employee ($millions) | 6.8276% | 1,695 |
| Cash dividends to net income (ytd only)* | 57.5342% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 3,557 |
| Loan loss allowance to noncurrent loans | 347.6636% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 3,302 |
| Noncurrent loans to loans | 0.3107% | 3,094 |
| Net loans and leases to total assets | 62.3753% | 2,559 |
| Net loans and leases to deposits | 74.1313% | 2,470 |
| Net loans and leases to core deposits | 84.7028% | 1,976 |
| Total domestic deposits to total assets | 84.1416% | 3,070 |
| Equity capital to assets | 15.3933% | 501 |
| Core capital (leverage) ratio | 14.5339% | 585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3533% | 483 |
| Memoranda: | ||
| Average total assets | $55,499,200 | 4,582 |
| Average earning assets | $53,280,200 | 4,537 |
| Average equity | $8,176,600 | 4,403 |
| Average total loans | $35,022,600 | 4,405 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8697% | 3,359 |
| Cost of funding earning assets | 0.8855% | 1,115 |
| Net interest margin | 2.9842% | 4,014 |
| Noninterest income to average assets | 0.1460% | 4,576 |
| Noninterest expense to average assets | 1.8090% | 4,478 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1703% | 1,743 |
| Return on assets (ROA) | 1.1797% | 1,833 |
| Pretax return on assets | 1.2012% | 2,383 |
| Return on Equity (ROE) | 8.0963% | 2,775 |
| Retained earnings to average equity (ytd only) | 3.9578% | 3,074 |
| Net charge-offs to loans | 0.0152% | 2,583 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 124.5000% | 682 |
| Efficiency ratio | 60.2871% | 3,349 |
| Assets per employee ($millions) | 6.8614% | 1,584 |
| Cash dividends to net income (ytd only)* | 51.1156% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9192% | 4,010 |
| Loan loss allowance to noncurrent loans | 237.5000% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.2933% | 2,983 |
| Noncurrent loans to loans | 0.3870% | 2,904 |
| Net loans and leases to total assets | 63.4257% | 2,835 |
| Net loans and leases to deposits | 75.3539% | 2,811 |
| Net loans and leases to core deposits | 91.8408% | 1,808 |
| Total domestic deposits to total assets | 84.1704% | 2,760 |
| Equity capital to assets | 15.2575% | 577 |
| Core capital (leverage) ratio | 14.4448% | 636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5494% | 483 |
| Memoranda: | ||
| Average total assets | $55,718,750 | 4,591 |
| Average earning assets | $53,301,750 | 4,553 |
| Average equity | $8,118,750 | 4,425 |
| Average total loans | $35,167,750 | 4,433 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9680% | 3,410 |
| Cost of funding earning assets | 0.9405% | 1,189 |
| Net interest margin | 3.0275% | 4,062 |
| Noninterest income to average assets | 0.1786% | 4,393 |
| Noninterest expense to average assets | 1.7716% | 4,598 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2611% | 1,458 |
| Return on assets (ROA) | 1.2751% | 1,539 |
| Pretax return on assets | 1.3073% | 2,004 |
| Return on Equity (ROE) | 8.8880% | 2,404 |
| Retained earnings to average equity (ytd only) | 4.7054% | 2,605 |
| Net charge-offs to loans | 0.0227% | 2,260 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 90.5000% | 744 |
| Efficiency ratio | 57.8089% | 3,717 |
| Assets per employee ($millions) | 7.2165% | 1,320 |
| Cash dividends to net income (ytd only)* | 47.0588% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9254% | 3,902 |
| Loan loss allowance to noncurrent loans | 208.3871% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 3,065 |
| Noncurrent loans to loans | 0.4441% | 2,826 |
| Net loans and leases to total assets | 59.9009% | 3,339 |
| Net loans and leases to deposits | 70.4303% | 3,387 |
| Net loans and leases to core deposits | 85.2634% | 2,499 |
| Total domestic deposits to total assets | 85.0499% | 2,375 |
| Equity capital to assets | 14.4218% | 752 |
| Core capital (leverage) ratio | 14.4961% | 654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6028% | 536 |
| Memoranda: | ||
| Average total assets | $55,994,667 | 4,598 |
| Average earning assets | $53,376,667 | 4,561 |
| Average equity | $8,033,333 | 4,452 |
| Average total loans | $35,177,667 | 4,451 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1634% | 3,344 |
| Cost of funding earning assets | 1.0217% | 1,328 |
| Net interest margin | 3.1418% | 4,006 |
| Noninterest income to average assets | 0.2757% | 3,874 |
| Noninterest expense to average assets | 1.7777% | 4,693 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4016% | 970 |
| Return on assets (ROA) | 1.4295% | 995 |
| Pretax return on assets | 1.4948% | 1,320 |
| Return on Equity (ROE) | 9.9911% | 1,751 |
| Retained earnings to average equity (ytd only) | 5.7309% | 1,985 |
| Net charge-offs to loans | 0.0453% | 1,571 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 50.5000% | 891 |
| Efficiency ratio | 54.8098% | 4,324 |
| Assets per employee ($millions) | 6.8995% | 1,141 |
| Cash dividends to net income (ytd only)* | 42.6396% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 4,034 |
| Loan loss allowance to noncurrent loans | 248.4615% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.2808% | 3,324 |
| Noncurrent loans to loans | 0.3705% | 3,159 |
| Net loans and leases to total assets | 62.9792% | 3,192 |
| Net loans and leases to deposits | 73.7655% | 3,295 |
| Net loans and leases to core deposits | 90.0290% | 2,340 |
| Total domestic deposits to total assets | 85.3776% | 2,257 |
| Equity capital to assets | 14.0862% | 1,030 |
| Core capital (leverage) ratio | 14.4553% | 802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,126,000 | 4,625 |
| Average earning assets | $52,072,500 | 4,599 |
| Average equity | $7,887,000 | 4,495 |
| Average total loans | $35,314,000 | 4,470 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3447% | 3,408 |
| Cost of funding earning assets | 1.0025% | 1,710 |
| Net interest margin | 3.3422% | 3,891 |
| Noninterest income to average assets | 0.1618% | 4,682 |
| Noninterest expense to average assets | 1.9040% | 4,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4188% | 1,281 |
| Return on assets (ROA) | 1.4262% | 1,320 |
| Pretax return on assets | 1.4392% | 2,016 |
| Return on Equity (ROE) | 9.8568% | 2,358 |
| Retained earnings to average equity (ytd only) | 5.5388% | 2,137 |
| Net charge-offs to loans | 0.0705% | 2,089 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 29.6154% | 1,594 |
| Efficiency ratio | 57.0792% | 4,080 |
| Assets per employee ($millions) | 6.8820% | 1,091 |
| Cash dividends to net income (ytd only)* | 43.8070% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9200% | 3,876 |
| Loan loss allowance to noncurrent loans | 192.3529% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.3542% | 2,982 |
| Noncurrent loans to loans | 0.4783% | 2,757 |
| Net loans and leases to total assets | 63.9640% | 3,202 |
| Net loans and leases to deposits | 75.3364% | 3,234 |
| Net loans and leases to core deposits | 92.0391% | 2,233 |
| Total domestic deposits to total assets | 84.9045% | 2,532 |
| Equity capital to assets | 14.5288% | 924 |
| Core capital (leverage) ratio | 14.9033% | 709 |
| Tier 1 risk-based capital ratio | 21.6628% | 1,066 |
| Total risk-based capital ratio | 22.5527% | 1,097 |
| Memoranda: | ||
| Average total assets | $53,781,000 | 4,685 |
| Average earning assets | $51,073,400 | 4,655 |
| Average equity | $7,781,400 | 4,532 |
| Average total loans | $36,854,000 | 4,481 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4096% | 3,319 |
| Cost of funding earning assets | 0.9933% | 1,795 |
| Net interest margin | 3.4163% | 3,820 |
| Noninterest income to average assets | 0.1247% | 4,903 |
| Noninterest expense to average assets | 1.8779% | 4,724 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4889% | 1,218 |
| Return on assets (ROA) | 1.4939% | 1,260 |
| Pretax return on assets | 1.5113% | 1,923 |
| Return on Equity (ROE) | 10.3358% | 2,279 |
| Retained earnings to average equity (ytd only) | 5.9876% | 2,377 |
| Net charge-offs to loans | 0.0251% | 2,598 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 86.3140% | 816 |
| Efficiency ratio | 55.4901% | 4,217 |
| Assets per employee ($millions) | 6.4368% | 1,308 |
| Cash dividends to net income (ytd only)* | 42.0697% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9378% | 3,884 |
| Loan loss allowance to noncurrent loans | 202.3392% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 3,209 |
| Noncurrent loans to loans | 0.4635% | 2,913 |
| Net loans and leases to total assets | 70.9733% | 2,327 |
| Net loans and leases to deposits | 84.7270% | 2,350 |
| Net loans and leases to core deposits | 105.3805% | 1,228 |
| Total domestic deposits to total assets | 83.7670% | 2,908 |
| Equity capital to assets | 15.5436% | 722 |
| Core capital (leverage) ratio | 15.2474% | 683 |
| Tier 1 risk-based capital ratio | 21.8930% | 1,083 |
| Total risk-based capital ratio | 22.8450% | 1,101 |
| Memoranda: | ||
| Average total assets | $53,462,250 | 4,760 |
| Average earning assets | $51,008,250 | 4,725 |
| Average equity | $7,727,000 | 4,597 |
| Average total loans | $37,181,750 | 4,529 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3427% | 3,509 |
| Cost of funding earning assets | 0.9612% | 1,858 |
| Net interest margin | 3.3815% | 3,952 |
| Noninterest income to average assets | 0.1330% | 4,907 |
| Noninterest expense to average assets | 1.8774% | 4,782 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4672% | 1,240 |
| Return on assets (ROA) | 1.4672% | 1,296 |
| Pretax return on assets | 1.4930% | 1,877 |
| Return on Equity (ROE) | 10.3999% | 2,214 |
| Retained earnings to average equity (ytd only) | 5.9989% | 2,283 |
| Net charge-offs to loans | 0.0376% | 2,133 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 57.7143% | 1,003 |
| Efficiency ratio | 55.7018% | 4,283 |
| Assets per employee ($millions) | 6.5829% | 1,201 |
| Cash dividends to net income (ytd only)* | 42.3174% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 3,966 |
| Loan loss allowance to noncurrent loans | 407.0588% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 3,955 |
| Noncurrent loans to loans | 0.2281% | 3,721 |
| Net loans and leases to total assets | 70.0891% | 2,520 |
| Net loans and leases to deposits | 83.0450% | 2,602 |
| Net loans and leases to core deposits | 109.6355% | 995 |
| Total domestic deposits to total assets | 84.3989% | 2,724 |
| Equity capital to assets | 14.9612% | 823 |
| Core capital (leverage) ratio | 14.6713% | 780 |
| Tier 1 risk-based capital ratio | 21.0919% | 1,164 |
| Total risk-based capital ratio | 22.0228% | 1,186 |
| Memoranda: | ||
| Average total assets | $54,118,330 | 4,784 |
| Average earning assets | $51,810,670 | 4,747 |
| Average equity | $7,634,670 | 4,632 |
| Average total loans | $37,278,000 | 4,565 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 3,778 |
| Cost of funding earning assets | 0.9190% | 1,922 |
| Net interest margin | 3.3115% | 4,137 |
| Noninterest income to average assets | 0.1168% | 5,023 |
| Noninterest expense to average assets | 1.8758% | 4,830 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3722% | 1,450 |
| Return on assets (ROA) | 1.3722% | 1,487 |
| Pretax return on assets | 1.4233% | 2,004 |
| Return on Equity (ROE) | 10.0683% | 2,341 |
| Retained earnings to average equity (ytd only) | 5.5697% | 2,660 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8584% | 4,229 |
| Assets per employee ($millions) | 6.8228% | 1,075 |
| Cash dividends to net income (ytd only)* | 44.6809% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9521% | 3,953 |
| Loan loss allowance to noncurrent loans | 199.4350% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.3243% | 3,299 |
| Noncurrent loans to loans | 0.4774% | 2,881 |
| Net loans and leases to total assets | 67.2786% | 2,863 |
| Net loans and leases to deposits | 78.6490% | 2,989 |
| Net loans and leases to core deposits | 106.6229% | 1,128 |
| Total domestic deposits to total assets | 85.5429% | 2,464 |
| Equity capital to assets | 13.8690% | 1,086 |
| Core capital (leverage) ratio | 13.9308% | 976 |
| Tier 1 risk-based capital ratio | 21.0616% | 1,158 |
| Total risk-based capital ratio | 22.0366% | 1,176 |
| Memoranda: | ||
| Average total assets | $54,802,500 | 4,824 |
| Average earning assets | $52,665,500 | 4,784 |
| Average equity | $7,469,000 | 4,684 |
| Average total loans | $37,288,500 | 4,611 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2546% | 3,260 |
| Cost of funding earning assets | 0.8486% | 1,313 |
| Net interest margin | 3.4060% | 3,984 |
| Noninterest income to average assets | 0.1418% | 5,002 |
| Noninterest expense to average assets | 1.8474% | 4,957 |
| Loan and lease loss provision to assets | 0.3146% | 511 |
| Net operating income to assets | 1.1983% | 2,177 |
| Return on assets (ROA) | 1.1983% | 2,175 |
| Pretax return on assets | 1.2128% | 2,837 |
| Return on Equity (ROE) | 9.0418% | 2,976 |
| Retained earnings to average equity (ytd only) | 4.2671% | 3,203 |
| Net charge-offs to loans | 0.4318% | 425 |
| Credit loss provision to net charge-offs | 102.9762% | 2,457 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 3,234 |
| Efficiency ratio | 54.7414% | 4,550 |
| Assets per employee ($millions) | 6.8889% | 1,027 |
| Cash dividends to net income (ytd only)* | 52.8073% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7066% | 4,794 |
| Loan loss allowance to noncurrent loans | 854.8387% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 4,564 |
| Noncurrent loans to loans | 0.0827% | 4,382 |
| Net loans and leases to total assets | 67.5673% | 2,935 |
| Net loans and leases to deposits | 78.6653% | 3,083 |
| Net loans and leases to core deposits | 103.8399% | 1,427 |
| Total domestic deposits to total assets | 85.8921% | 2,290 |
| Equity capital to assets | 13.5291% | 1,139 |
| Core capital (leverage) ratio | 13.7932% | 982 |
| Tier 1 risk-based capital ratio | 20.7244% | 1,191 |
| Total risk-based capital ratio | 21.4461% | 1,253 |
| Memoranda: | ||
| Average total assets | $54,996,200 | 4,856 |
| Average earning assets | $52,202,600 | 4,816 |
| Average equity | $7,288,400 | 4,711 |
| Average total loans | $38,907,200 | 4,588 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2385% | 3,179 |
| Cost of funding earning assets | 0.8189% | 1,246 |
| Net interest margin | 3.4196% | 3,947 |
| Noninterest income to average assets | 0.1067% | 5,191 |
| Noninterest expense to average assets | 1.8386% | 4,998 |
| Loan and lease loss provision to assets | 0.2062% | 821 |
| Net operating income to assets | 1.2734% | 1,955 |
| Return on assets (ROA) | 1.2734% | 1,959 |
| Pretax return on assets | 1.2929% | 2,654 |
| Return on Equity (ROE) | 9.6596% | 2,772 |
| Retained earnings to average equity (ytd only) | 4.8022% | 3,346 |
| Net charge-offs to loans | 0.4041% | 402 |
| Credit loss provision to net charge-offs | 71.4286% | 2,620 |
| Earnings coverage of net charge-offs (x) | 5.1934% | 2,979 |
| Efficiency ratio | 55.0872% | 4,499 |
| Assets per employee ($millions) | 6.8481% | 998 |
| Cash dividends to net income (ytd only)* | 50.2857% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5623% | 5,104 |
| Loan loss allowance to noncurrent loans | 185.2459% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.2227% | 3,832 |
| Noncurrent loans to loans | 0.3035% | 3,587 |
| Net loans and leases to total assets | 72.9525% | 2,176 |
| Net loans and leases to deposits | 84.8628% | 2,493 |
| Net loans and leases to core deposits | 116.7840% | 677 |
| Total domestic deposits to total assets | 85.9651% | 2,212 |
| Equity capital to assets | 13.3796% | 1,177 |
| Core capital (leverage) ratio | 13.7113% | 1,024 |
| Tier 1 risk-based capital ratio | 19.1218% | 1,509 |
| Total risk-based capital ratio | 19.6934% | 1,640 |
| Memoranda: | ||
| Average total assets | $54,967,500 | 4,911 |
| Average earning assets | $51,935,000 | 4,874 |
| Average equity | $7,246,500 | 4,764 |
| Average total loans | $39,258,500 | 4,621 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1808% | 3,170 |
| Cost of funding earning assets | 0.7728% | 1,268 |
| Net interest margin | 3.4080% | 3,932 |
| Noninterest income to average assets | 0.1054% | 5,255 |
| Noninterest expense to average assets | 1.8790% | 4,986 |
| Loan and lease loss provision to assets | 0.3089% | 449 |
| Net operating income to assets | 1.0940% | 2,606 |
| Return on assets (ROA) | 1.0940% | 2,613 |
| Pretax return on assets | 1.1231% | 3,220 |
| Return on Equity (ROE) | 8.3395% | 3,342 |
| Retained earnings to average equity (ytd only) | 3.3524% | 3,905 |
| Net charge-offs to loans | 0.6111% | 239 |
| Credit loss provision to net charge-offs | 71.4286% | 2,331 |
| Earnings coverage of net charge-offs (x) | 3.3109% | 2,885 |
| Efficiency ratio | 56.7508% | 4,387 |
| Assets per employee ($millions) | 6.8953% | 966 |
| Cash dividends to net income (ytd only)* | 59.8007% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5758% | 5,148 |
| Loan loss allowance to noncurrent loans | 230.6122% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 4,094 |
| Noncurrent loans to loans | 0.2497% | 3,804 |
| Net loans and leases to total assets | 70.7462% | 2,465 |
| Net loans and leases to deposits | 82.0042% | 2,769 |
| Net loans and leases to core deposits | 112.3765% | 866 |
| Total domestic deposits to total assets | 86.2713% | 2,155 |
| Equity capital to assets | 13.1087% | 1,253 |
| Core capital (leverage) ratio | 13.6357% | 1,020 |
| Tier 1 risk-based capital ratio | 18.2876% | 1,730 |
| Total risk-based capital ratio | 18.8446% | 1,871 |
| Memoranda: | ||
| Average total assets | $55,028,330 | 4,963 |
| Average earning assets | $51,760,670 | 4,937 |
| Average equity | $7,218,670 | 4,819 |
| Average total loans | $38,947,000 | 4,671 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1757% | 2,965 |
| Cost of funding earning assets | 0.7401% | 1,237 |
| Net interest margin | 3.4356% | 3,758 |
| Noninterest income to average assets | 0.1747% | 4,978 |
| Noninterest expense to average assets | 1.8486% | 5,107 |
| Loan and lease loss provision to assets | 0.1819% | 941 |
| Net operating income to assets | 1.2955% | 1,657 |
| Return on assets (ROA) | 1.2955% | 1,660 |
| Pretax return on assets | 1.3537% | 2,174 |
| Return on Equity (ROE) | 9.8718% | 2,500 |
| Retained earnings to average equity (ytd only) | 4.5477% | 3,386 |
| Net charge-offs to loans | 0.5155% | 294 |
| Credit loss provision to net charge-offs | 50.0000% | 1,944 |
| Earnings coverage of net charge-offs (x) | 4.2200% | 2,320 |
| Efficiency ratio | 54.6237% | 4,725 |
| Assets per employee ($millions) | 6.6564% | 1,117 |
| Cash dividends to net income (ytd only)* | 53.9326% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6138% | 5,160 |
| Loan loss allowance to noncurrent loans | 195.8333% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 3,460 |
| Noncurrent loans to loans | 0.3134% | 3,647 |
| Net loans and leases to total assets | 71.4616% | 2,256 |
| Net loans and leases to deposits | 83.2054% | 2,481 |
| Net loans and leases to core deposits | 109.8906% | 1,014 |
| Total domestic deposits to total assets | 85.8857% | 2,597 |
| Equity capital to assets | 13.5115% | 1,042 |
| Core capital (leverage) ratio | 13.3485% | 1,053 |
| Tier 1 risk-based capital ratio | 18.6840% | 1,638 |
| Total risk-based capital ratio | 19.2790% | 1,777 |
| Memoranda: | ||
| Average total assets | $54,961,500 | 5,023 |
| Average earning assets | $51,344,500 | 5,003 |
| Average equity | $7,212,500 | 4,867 |
| Average total loans | $38,795,000 | 4,733 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1783% | 2,769 |
| Cost of funding earning assets | 0.6384% | 1,364 |
| Net interest margin | 3.5399% | 3,379 |
| Noninterest income to average assets | 0.1558% | 5,182 |
| Noninterest expense to average assets | 1.9668% | 5,017 |
| Loan and lease loss provision to assets | 0.2627% | 695 |
| Net operating income to assets | 1.1338% | 1,739 |
| Return on assets (ROA) | 1.1485% | 1,718 |
| Pretax return on assets | 1.1673% | 2,907 |
| Return on Equity (ROE) | 8.5106% | 2,536 |
| Retained earnings to average equity (ytd only) | 2.5031% | 3,828 |
| Net charge-offs to loans | 0.4103% | 609 |
| Credit loss provision to net charge-offs | 93.9597% | 2,714 |
| Earnings coverage of net charge-offs (x) | 5.0604% | 3,380 |
| Efficiency ratio | 58.1576% | 4,506 |
| Assets per employee ($millions) | 7.0840% | 936 |
| Cash dividends to net income (ytd only)* | 70.5882% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6616% | 5,135 |
| Loan loss allowance to noncurrent loans | 108.7866% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 0.5347% | 2,772 |
| Noncurrent loans to loans | 0.6081% | 2,713 |
| Net loans and leases to total assets | 68.8894% | 2,700 |
| Net loans and leases to deposits | 79.4809% | 2,970 |
| Net loans and leases to core deposits | 108.3509% | 1,107 |
| Total domestic deposits to total assets | 86.6742% | 2,161 |
| Equity capital to assets | 12.7576% | 1,375 |
| Core capital (leverage) ratio | 13.8084% | 886 |
| Tier 1 risk-based capital ratio | 18.0668% | 1,783 |
| Total risk-based capital ratio | 18.7104% | 1,909 |
| Memoranda: | ||
| Average total assets | $53,285,800 | 5,096 |
| Average earning assets | $48,560,800 | 5,095 |
| Average equity | $7,191,000 | 4,911 |
| Average total loans | $36,318,800 | 4,836 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2528% | 2,421 |
| Cost of funding earning assets | 0.6270% | 1,369 |
| Net interest margin | 3.6257% | 3,053 |
| Noninterest income to average assets | 0.1526% | 5,252 |
| Noninterest expense to average assets | 1.9705% | 5,013 |
| Loan and lease loss provision to assets | 0.1271% | 1,702 |
| Net operating income to assets | 1.3378% | 1,226 |
| Return on assets (ROA) | 1.3577% | 1,206 |
| Pretax return on assets | 1.3831% | 2,163 |
| Return on Equity (ROE) | 9.9144% | 2,172 |
| Retained earnings to average equity (ytd only) | 3.8989% | 3,601 |
| Net charge-offs to loans | 0.0824% | 1,976 |
| Credit loss provision to net charge-offs | 227.2727% | 1,225 |
| Earnings coverage of net charge-offs (x) | 26.6386% | 1,672 |
| Efficiency ratio | 56.9434% | 4,618 |
| Assets per employee ($millions) | 5.6458% | 1,785 |
| Cash dividends to net income (ytd only)* | 60.6745% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8303% | 4,812 |
| Loan loss allowance to noncurrent loans | 73.6973% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 0.9584% | 1,775 |
| Noncurrent loans to loans | 1.1266% | 1,710 |
| Net loans and leases to total assets | 69.8142% | 2,593 |
| Net loans and leases to deposits | 82.3082% | 2,744 |
| Net loans and leases to core deposits | 105.0646% | 1,327 |
| Total domestic deposits to total assets | 84.8205% | 2,792 |
| Equity capital to assets | 14.4828% | 862 |
| Core capital (leverage) ratio | 14.2062% | 838 |
| Tier 1 risk-based capital ratio | 19.9472% | 1,368 |
| Total risk-based capital ratio | 20.7555% | 1,442 |
| Memoranda: | ||
| Average total assets | $52,439,250 | 5,170 |
| Average earning assets | $47,842,000 | 5,166 |
| Average equity | $7,181,250 | 4,965 |
| Average total loans | $35,573,250 | 4,903 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1444% | 2,695 |
| Cost of funding earning assets | 0.6157% | 1,352 |
| Net interest margin | 3.5288% | 3,301 |
| Noninterest income to average assets | 0.1661% | 5,227 |
| Noninterest expense to average assets | 1.9101% | 5,175 |
| Loan and lease loss provision to assets | 0.0755% | 2,464 |
| Net operating income to assets | 1.3665% | 1,137 |
| Return on assets (ROA) | 1.3665% | 1,164 |
| Pretax return on assets | 1.4043% | 2,003 |
| Return on Equity (ROE) | 10.1657% | 1,963 |
| Retained earnings to average equity (ytd only) | 4.1000% | 3,266 |
| Net charge-offs to loans | 0.0901% | 1,709 |
| Credit loss provision to net charge-offs | 125.0000% | 1,726 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,640 |
| Efficiency ratio | 56.3474% | 4,787 |
| Assets per employee ($millions) | 6.6390% | 1,076 |
| Cash dividends to net income (ytd only)* | 59.6685% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7582% | 5,055 |
| Loan loss allowance to noncurrent loans | 54.9296% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 1.0996% | 1,585 |
| Noncurrent loans to loans | 1.3804% | 1,403 |
| Net loans and leases to total assets | 67.2748% | 2,908 |
| Net loans and leases to deposits | 78.6334% | 3,054 |
| Net loans and leases to core deposits | 100.7188% | 1,604 |
| Total domestic deposits to total assets | 85.5551% | 2,589 |
| Equity capital to assets | 13.8048% | 1,037 |
| Core capital (leverage) ratio | 13.5438% | 984 |
| Tier 1 risk-based capital ratio | 19.4877% | 1,479 |
| Total risk-based capital ratio | 20.2199% | 1,547 |
| Memoranda: | ||
| Average total assets | $52,981,670 | 5,191 |
| Average earning assets | $48,402,330 | 5,186 |
| Average equity | $7,122,000 | 5,001 |
| Average total loans | $35,507,330 | 4,941 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1162% | 2,589 |
| Cost of funding earning assets | 0.6034% | 1,347 |
| Net interest margin | 3.5128% | 3,228 |
| Noninterest income to average assets | 0.1512% | 5,353 |
| Noninterest expense to average assets | 1.9200% | 5,206 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3682% | 1,065 |
| Return on assets (ROA) | 1.3682% | 1,102 |
| Pretax return on assets | 1.4438% | 1,720 |
| Return on Equity (ROE) | 10.3178% | 1,818 |
| Retained earnings to average equity (ytd only) | 4.1613% | 3,376 |
| Net charge-offs to loans | -0.0227% | 4,810 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0787% | 4,830 |
| Assets per employee ($millions) | 6.7813% | 1,044 |
| Cash dividends to net income (ytd only)* | 59.6685% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7673% | 5,155 |
| Loan loss allowance to noncurrent loans | 111.0656% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.4498% | 3,392 |
| Noncurrent loans to loans | 0.6908% | 2,771 |
| Net loans and leases to total assets | 64.6046% | 3,184 |
| Net loans and leases to deposits | 74.8169% | 3,320 |
| Net loans and leases to core deposits | 95.0222% | 1,893 |
| Total domestic deposits to total assets | 86.3502% | 2,514 |
| Equity capital to assets | 13.0488% | 1,238 |
| Core capital (leverage) ratio | 13.6340% | 930 |
| Tier 1 risk-based capital ratio | 19.5287% | 1,490 |
| Total risk-based capital ratio | 20.2644% | 1,573 |
| Memoranda: | ||
| Average total assets | $52,916,500 | 5,248 |
| Average earning assets | $48,394,000 | 5,241 |
| Average equity | $7,017,000 | 5,057 |
| Average total loans | $35,259,000 | 4,992 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3180% | 2,086 |
| Cost of funding earning assets | 0.5856% | 1,454 |
| Net interest margin | 3.7324% | 2,567 |
| Noninterest income to average assets | 0.2188% | 5,105 |
| Noninterest expense to average assets | 1.9971% | 5,198 |
| Loan and lease loss provision to assets | 0.0502% | 3,388 |
| Net operating income to assets | 1.6046% | 671 |
| Return on assets (ROA) | 1.6880% | 589 |
| Pretax return on assets | 1.7101% | 977 |
| Return on Equity (ROE) | 11.9365% | 1,263 |
| Retained earnings to average equity (ytd only) | 5.8050% | 1,821 |
| Net charge-offs to loans | 0.3004% | 917 |
| Credit loss provision to net charge-offs | 24.7525% | 3,638 |
| Earnings coverage of net charge-offs (x) | 8.2673% | 2,890 |
| Efficiency ratio | 54.3716% | 5,215 |
| Assets per employee ($millions) | 6.4479% | 1,178 |
| Cash dividends to net income (ytd only)* | 51.3674% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7642% | 5,202 |
| Loan loss allowance to noncurrent loans | 46.2199% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 1.1283% | 1,644 |
| Noncurrent loans to loans | 1.6535% | 1,175 |
| Net loans and leases to total assets | 67.7161% | 2,822 |
| Net loans and leases to deposits | 78.8470% | 3,008 |
| Net loans and leases to core deposits | 100.9975% | 1,537 |
| Total domestic deposits to total assets | 85.8829% | 2,640 |
| Equity capital to assets | 13.4831% | 1,054 |
| Core capital (leverage) ratio | 13.9073% | 839 |
| Tier 1 risk-based capital ratio | 19.8738% | 1,401 |
| Total risk-based capital ratio | 20.6248% | 1,472 |
| Memoranda: | ||
| Average total assets | $49,821,000 | 5,347 |
| Average earning assets | $46,109,200 | 5,331 |
| Average equity | $7,045,600 | 5,082 |
| Average total loans | $33,622,400 | 5,080 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3089% | 2,137 |
| Cost of funding earning assets | 0.5778% | 1,501 |
| Net interest margin | 3.7311% | 2,587 |
| Noninterest income to average assets | 0.1863% | 5,342 |
| Noninterest expense to average assets | 1.9521% | 5,293 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6759% | 624 |
| Return on assets (ROA) | 1.7685% | 547 |
| Pretax return on assets | 1.7982% | 904 |
| Return on Equity (ROE) | 12.3554% | 1,215 |
| Retained earnings to average equity (ytd only) | 6.2437% | 2,038 |
| Net charge-offs to loans | 0.1324% | 1,647 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 19.1207% | 1,957 |
| Efficiency ratio | 53.3973% | 5,279 |
| Assets per employee ($millions) | 6.3826% | 1,186 |
| Cash dividends to net income (ytd only)* | 49.4658% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8759% | 4,955 |
| Loan loss allowance to noncurrent loans | 53.4247% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 1.1437% | 1,762 |
| Noncurrent loans to loans | 1.6395% | 1,306 |
| Net loans and leases to total assets | 69.1506% | 2,615 |
| Net loans and leases to deposits | 81.3084% | 2,819 |
| Net loans and leases to core deposits | 104.6317% | 1,300 |
| Total domestic deposits to total assets | 85.0473% | 2,782 |
| Equity capital to assets | 14.2516% | 949 |
| Core capital (leverage) ratio | 14.4191% | 743 |
| Tier 1 risk-based capital ratio | 19.1801% | 1,631 |
| Total risk-based capital ratio | 20.0300% | 1,685 |
| Memoranda: | ||
| Average total assets | $49,380,500 | 5,412 |
| Average earning assets | $45,919,500 | 5,386 |
| Average equity | $7,068,250 | 5,128 |
| Average total loans | $33,228,250 | 5,142 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2961% | 2,171 |
| Cost of funding earning assets | 0.5784% | 1,477 |
| Net interest margin | 3.7177% | 2,622 |
| Noninterest income to average assets | 0.1843% | 5,393 |
| Noninterest expense to average assets | 1.9828% | 5,303 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6102% | 704 |
| Return on assets (ROA) | 1.7493% | 555 |
| Pretax return on assets | 1.7943% | 890 |
| Return on Equity (ROE) | 12.2023% | 1,243 |
| Retained earnings to average equity (ytd only) | 6.0297% | 2,102 |
| Net charge-offs to loans | 0.1048% | 1,779 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 23.7059% | 1,581 |
| Efficiency ratio | 54.5660% | 5,266 |
| Assets per employee ($millions) | 5.9953% | 1,404 |
| Cash dividends to net income (ytd only)* | 50.5855% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 4,672 |
| Loan loss allowance to noncurrent loans | 54.3947% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 1.2572% | 1,625 |
| Noncurrent loans to loans | 1.7824% | 1,167 |
| Net loans and leases to total assets | 69.8511% | 2,504 |
| Net loans and leases to deposits | 82.8355% | 2,608 |
| Net loans and leases to core deposits | 105.4782% | 1,222 |
| Total domestic deposits to total assets | 84.3251% | 3,149 |
| Equity capital to assets | 14.9493% | 735 |
| Core capital (leverage) ratio | 13.9621% | 832 |
| Tier 1 risk-based capital ratio | 19.9160% | 1,476 |
| Total risk-based capital ratio | 20.8598% | 1,502 |
| Memoranda: | ||
| Average total assets | $48,820,330 | 5,485 |
| Average earning assets | $45,297,000 | 5,471 |
| Average equity | $6,998,670 | 5,194 |
| Average total loans | $32,430,670 | 5,221 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2709% | 2,234 |
| Cost of funding earning assets | 0.5796% | 1,480 |
| Net interest margin | 3.6913% | 2,703 |
| Noninterest income to average assets | 0.2355% | 5,057 |
| Noninterest expense to average assets | 1.8680% | 5,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6601% | 626 |
| Return on assets (ROA) | 1.9330% | 401 |
| Pretax return on assets | 2.0142% | 547 |
| Return on Equity (ROE) | 13.7712% | 883 |
| Retained earnings to average equity (ytd only) | 7.5221% | 1,654 |
| Net charge-offs to loans | -0.1261% | 5,721 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9187% | 5,519 |
| Assets per employee ($millions) | 6.1154% | 1,326 |
| Cash dividends to net income (ytd only)* | 45.3782% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 3,982 |
| Loan loss allowance to noncurrent loans | 77.8509% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 0.9321% | 2,378 |
| Noncurrent loans to loans | 1.4293% | 1,662 |
| Net loans and leases to total assets | 64.4871% | 3,171 |
| Net loans and leases to deposits | 75.8371% | 3,236 |
| Net loans and leases to core deposits | 95.8383% | 1,818 |
| Total domestic deposits to total assets | 85.0336% | 3,123 |
| Equity capital to assets | 14.2796% | 890 |
| Core capital (leverage) ratio | 13.6359% | 936 |
| Tier 1 risk-based capital ratio | 20.5041% | 1,404 |
| Total risk-based capital ratio | 21.5682% | 1,415 |
| Memoranda: | ||
| Average total assets | $49,249,500 | 5,527 |
| Average earning assets | $44,862,000 | 5,525 |
| Average equity | $6,913,000 | 5,246 |
| Average total loans | $31,731,000 | 5,277 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3386% | 2,099 |
| Cost of funding earning assets | 0.5122% | 2,051 |
| Net interest margin | 3.8264% | 2,282 |
| Noninterest income to average assets | 0.2656% | 4,969 |
| Noninterest expense to average assets | 2.1184% | 5,219 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.6654% | 612 |
| Return on assets (ROA) | 1.6863% | 610 |
| Pretax return on assets | 1.7116% | 966 |
| Return on Equity (ROE) | 12.0897% | 1,279 |
| Retained earnings to average equity (ytd only) | 6.8307% | 1,360 |
| Net charge-offs to loans | -0.0408% | 5,497 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6170% | 5,385 |
| Assets per employee ($millions) | 6.1970% | 1,257 |
| Cash dividends to net income (ytd only)* | 43.5000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0932% | 4,086 |
| Loan loss allowance to noncurrent loans | 61.3879% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 1.1336% | 1,934 |
| Noncurrent loans to loans | 1.7808% | 1,242 |
| Net loans and leases to total assets | 62.9599% | 3,421 |
| Net loans and leases to deposits | 73.6260% | 3,539 |
| Net loans and leases to core deposits | 90.3154% | 2,380 |
| Total domestic deposits to total assets | 85.5132% | 2,850 |
| Equity capital to assets | 13.7970% | 1,009 |
| Core capital (leverage) ratio | 13.7084% | 907 |
| Tier 1 risk-based capital ratio | 20.0754% | 1,473 |
| Total risk-based capital ratio | 21.1076% | 1,478 |
| Memoranda: | ||
| Average total assets | $47,441,600 | 5,602 |
| Average earning assets | $43,931,200 | 5,582 |
| Average equity | $6,617,200 | 5,319 |
| Average total loans | $31,891,800 | 5,298 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2949% | 2,249 |
| Cost of funding earning assets | 0.4945% | 2,271 |
| Net interest margin | 3.8004% | 2,384 |
| Noninterest income to average assets | 0.2842% | 4,914 |
| Noninterest expense to average assets | 1.9954% | 5,488 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7940% | 528 |
| Return on assets (ROA) | 1.8191% | 521 |
| Pretax return on assets | 1.8532% | 799 |
| Return on Equity (ROE) | 13.0048% | 1,119 |
| Retained earnings to average equity (ytd only) | 8.1280% | 1,200 |
| Net charge-offs to loans | -0.0209% | 5,220 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1933% | 5,640 |
| Assets per employee ($millions) | 5.9930% | 1,378 |
| Cash dividends to net income (ytd only)* | 37.4999% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0152% | 4,666 |
| Loan loss allowance to noncurrent loans | 191.4773% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.3671% | 4,298 |
| Noncurrent loans to loans | 0.5302% | 3,753 |
| Net loans and leases to total assets | 68.5383% | 2,597 |
| Net loans and leases to deposits | 80.5748% | 2,811 |
| Net loans and leases to core deposits | 97.2679% | 1,764 |
| Total domestic deposits to total assets | 85.0617% | 2,980 |
| Equity capital to assets | 14.1081% | 985 |
| Core capital (leverage) ratio | 13.7163% | 938 |
| Tier 1 risk-based capital ratio | 19.6037% | 1,649 |
| Total risk-based capital ratio | 20.5959% | 1,666 |
| Memoranda: | ||
| Average total assets | $46,908,000 | 5,683 |
| Average earning assets | $43,678,500 | 5,663 |
| Average equity | $6,561,500 | 5,402 |
| Average total loans | $31,975,250 | 5,357 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3682% | 1,953 |
| Cost of funding earning assets | 0.4771% | 2,455 |
| Net interest margin | 3.8911% | 2,012 |
| Noninterest income to average assets | 0.2448% | 5,207 |
| Noninterest expense to average assets | 2.0875% | 5,366 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7138% | 615 |
| Return on assets (ROA) | 1.7138% | 641 |
| Pretax return on assets | 1.7654% | 948 |
| Return on Equity (ROE) | 12.2883% | 1,286 |
| Retained earnings to average equity (ytd only) | 7.3606% | 1,536 |
| Net charge-offs to loans | -0.0634% | 5,627 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1806% | 5,568 |
| Assets per employee ($millions) | 6.0423% | 1,322 |
| Cash dividends to net income (ytd only)* | 40.1003% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 4,657 |
| Loan loss allowance to noncurrent loans | 273.6000% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.2586% | 4,833 |
| Noncurrent loans to loans | 0.3802% | 4,345 |
| Net loans and leases to total assets | 67.3032% | 2,749 |
| Net loans and leases to deposits | 78.6201% | 2,955 |
| Net loans and leases to core deposits | 96.0100% | 1,798 |
| Total domestic deposits to total assets | 85.6055% | 2,873 |
| Equity capital to assets | 13.6125% | 1,123 |
| Core capital (leverage) ratio | 13.7864% | 907 |
| Tier 1 risk-based capital ratio | 19.8600% | 1,583 |
| Total risk-based capital ratio | 20.9054% | 1,599 |
| Memoranda: | ||
| Average total assets | $46,562,670 | 5,754 |
| Average earning assets | $43,175,330 | 5,730 |
| Average equity | $6,494,000 | 5,451 |
| Average total loans | $31,568,000 | 5,409 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3106% | 2,063 |
| Cost of funding earning assets | 0.4498% | 2,768 |
| Net interest margin | 3.8608% | 2,031 |
| Noninterest income to average assets | 0.2189% | 5,388 |
| Noninterest expense to average assets | 1.9442% | 5,679 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7778% | 502 |
| Return on assets (ROA) | 1.7778% | 529 |
| Pretax return on assets | 1.8829% | 741 |
| Return on Equity (ROE) | 12.5872% | 1,197 |
| Retained earnings to average equity (ytd only) | 7.6267% | 1,713 |
| Net charge-offs to loans | -0.0518% | 5,534 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8009% | 5,867 |
| Assets per employee ($millions) | 5.5964% | 1,715 |
| Cash dividends to net income (ytd only)* | 39.4089% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 4,656 |
| Loan loss allowance to noncurrent loans | 132.8063% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 3,784 |
| Noncurrent loans to loans | 0.8064% | 3,227 |
| Net loans and leases to total assets | 69.3284% | 2,232 |
| Net loans and leases to deposits | 81.9880% | 2,339 |
| Net loans and leases to core deposits | 90.6195% | 2,075 |
| Total domestic deposits to total assets | 84.5592% | 3,600 |
| Equity capital to assets | 14.6479% | 793 |
| Core capital (leverage) ratio | 14.1860% | 770 |
| Tier 1 risk-based capital ratio | 21.4423% | 1,339 |
| Total risk-based capital ratio | 22.5713% | 1,336 |
| Memoranda: | ||
| Average total assets | $45,675,000 | 5,829 |
| Average earning assets | $42,685,500 | 5,793 |
| Average equity | $6,451,000 | 5,506 |
| Average total loans | $30,914,500 | 5,474 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3937% | 2,243 |
| Cost of funding earning assets | 0.5203% | 2,486 |
| Net interest margin | 3.8734% | 2,343 |
| Noninterest income to average assets | 0.4057% | 4,143 |
| Noninterest expense to average assets | 2.1073% | 5,558 |
| Loan and lease loss provision to assets | 0.0747% | 2,987 |
| Net operating income to assets | 1.7806% | 497 |
| Return on assets (ROA) | 1.7806% | 506 |
| Pretax return on assets | 1.7998% | 790 |
| Return on Equity (ROE) | 13.6910% | 994 |
| Retained earnings to average equity (ytd only) | 6.7962% | 1,497 |
| Net charge-offs to loans | -0.0603% | 5,989 |
| Credit loss provision to net charge-offs | -194.4444% | 5,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9223% | 5,920 |
| Assets per employee ($millions) | 5.8224% | 1,508 |
| Cash dividends to net income (ytd only)* | 50.3597% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 4,582 |
| Loan loss allowance to noncurrent loans | 149.5495% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.4766% | 4,211 |
| Noncurrent loans to loans | 0.7290% | 3,498 |
| Net loans and leases to total assets | 64.6686% | 3,111 |
| Net loans and leases to deposits | 75.5089% | 3,253 |
| Net loans and leases to core deposits | 83.0104% | 2,993 |
| Total domestic deposits to total assets | 85.6437% | 3,011 |
| Equity capital to assets | 13.6199% | 1,107 |
| Core capital (leverage) ratio | 13.4136% | 998 |
| Tier 1 risk-based capital ratio | 21.0735% | 1,388 |
| Total risk-based capital ratio | 22.1915% | 1,386 |
| Memoranda: | ||
| Average total assets | $46,838,000 | 5,867 |
| Average earning assets | $43,243,600 | 5,844 |
| Average equity | $6,091,600 | 5,601 |
| Average total loans | $29,863,400 | 5,568 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3669% | 2,359 |
| Cost of funding earning assets | 0.5313% | 2,456 |
| Net interest margin | 3.8356% | 2,492 |
| Noninterest income to average assets | 0.4065% | 4,198 |
| Noninterest expense to average assets | 1.8762% | 5,989 |
| Loan and lease loss provision to assets | 0.0284% | 3,839 |
| Net operating income to assets | 2.0268% | 331 |
| Return on assets (ROA) | 2.0268% | 343 |
| Pretax return on assets | 2.0524% | 507 |
| Return on Equity (ROE) | 15.7691% | 703 |
| Retained earnings to average equity (ytd only) | 9.0457% | 986 |
| Net charge-offs to loans | -0.1436% | 6,226 |
| Credit loss provision to net charge-offs | -31.2500% | 5,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4138% | 6,230 |
| Assets per employee ($millions) | 5.8128% | 1,478 |
| Cash dividends to net income (ytd only)* | 42.6365% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0288% | 5,084 |
| Loan loss allowance to noncurrent loans | 153.5885% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 4,552 |
| Noncurrent loans to loans | 0.6699% | 3,933 |
| Net loans and leases to total assets | 66.4036% | 2,788 |
| Net loans and leases to deposits | 79.3295% | 2,797 |
| Net loans and leases to core deposits | 87.4066% | 2,489 |
| Total domestic deposits to total assets | 83.7061% | 3,878 |
| Equity capital to assets | 13.5521% | 1,158 |
| Core capital (leverage) ratio | 13.6395% | 950 |
| Tier 1 risk-based capital ratio | 20.4620% | 1,562 |
| Total risk-based capital ratio | 21.5122% | 1,568 |
| Memoranda: | ||
| Average total assets | $46,902,750 | 5,932 |
| Average earning assets | $43,416,500 | 5,909 |
| Average equity | $6,028,500 | 5,672 |
| Average total loans | $29,715,750 | 5,628 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3308% | 2,468 |
| Cost of funding earning assets | 0.5425% | 2,410 |
| Net interest margin | 3.7883% | 2,607 |
| Noninterest income to average assets | 0.4847% | 3,597 |
| Noninterest expense to average assets | 1.9304% | 5,950 |
| Loan and lease loss provision to assets | 0.0425% | 3,466 |
| Net operating income to assets | 1.9474% | 375 |
| Return on assets (ROA) | 1.9474% | 390 |
| Pretax return on assets | 1.9857% | 578 |
| Return on Equity (ROE) | 15.4278% | 724 |
| Retained earnings to average equity (ytd only) | 8.9603% | 995 |
| Net charge-offs to loans | -0.1780% | 6,319 |
| Credit loss provision to net charge-offs | -38.4615% | 5,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7648% | 6,242 |
| Assets per employee ($millions) | 5.7920% | 1,436 |
| Cash dividends to net income (ytd only)* | 41.9214% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0469% | 5,134 |
| Loan loss allowance to noncurrent loans | 172.1311% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.3949% | 4,828 |
| Noncurrent loans to loans | 0.6082% | 4,202 |
| Net loans and leases to total assets | 64.2546% | 3,033 |
| Net loans and leases to deposits | 74.7671% | 3,231 |
| Net loans and leases to core deposits | 80.2940% | 3,179 |
| Total domestic deposits to total assets | 85.9397% | 3,067 |
| Equity capital to assets | 13.2856% | 1,231 |
| Core capital (leverage) ratio | 12.9878% | 1,159 |
| Tier 1 risk-based capital ratio | 20.5959% | 1,544 |
| Total risk-based capital ratio | 21.6575% | 1,558 |
| Memoranda: | ||
| Average total assets | $47,036,330 | 5,984 |
| Average earning assets | $43,133,330 | 5,975 |
| Average equity | $5,937,330 | 5,728 |
| Average total loans | $29,221,000 | 5,687 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2425% | 2,715 |
| Cost of funding earning assets | 0.5477% | 2,440 |
| Net interest margin | 3.6948% | 2,883 |
| Noninterest income to average assets | 0.4896% | 3,496 |
| Noninterest expense to average assets | 1.8064% | 6,215 |
| Loan and lease loss provision to assets | 0.0844% | 2,496 |
| Net operating income to assets | 1.8824% | 407 |
| Return on assets (ROA) | 1.8824% | 428 |
| Pretax return on assets | 1.9584% | 579 |
| Return on Equity (ROE) | 15.3054% | 731 |
| Retained earnings to average equity (ytd only) | 9.8147% | 1,011 |
| Net charge-offs to loans | -0.2640% | 6,450 |
| Credit loss provision to net charge-offs | -52.6316% | 4,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9298% | 6,397 |
| Assets per employee ($millions) | 5.9266% | 1,356 |
| Cash dividends to net income (ytd only)* | 35.8744% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 5,198 |
| Loan loss allowance to noncurrent loans | 240.6250% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.2700% | 5,360 |
| Noncurrent loans to loans | 0.4498% | 4,804 |
| Net loans and leases to total assets | 59.3719% | 3,656 |
| Net loans and leases to deposits | 68.4182% | 3,812 |
| Net loans and leases to core deposits | 73.2653% | 3,739 |
| Total domestic deposits to total assets | 86.7779% | 2,950 |
| Equity capital to assets | 12.5156% | 1,565 |
| Core capital (leverage) ratio | 12.6961% | 1,297 |
| Tier 1 risk-based capital ratio | 20.9437% | 1,481 |
| Total risk-based capital ratio | 22.0209% | 1,492 |
| Memoranda: | ||
| Average total assets | $47,386,500 | 6,028 |
| Average earning assets | $43,088,000 | 6,022 |
| Average equity | $5,828,000 | 5,792 |
| Average total loans | $28,787,500 | 5,759 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3859% | 2,632 |
| Cost of funding earning assets | 0.6214% | 2,472 |
| Net interest margin | 3.7645% | 2,787 |
| Noninterest income to average assets | 0.3662% | 4,695 |
| Noninterest expense to average assets | 2.0427% | 5,937 |
| Loan and lease loss provision to assets | 0.1213% | 2,795 |
| Net operating income to assets | 1.6588% | 619 |
| Return on assets (ROA) | 1.6588% | 637 |
| Pretax return on assets | 1.6765% | 993 |
| Return on Equity (ROE) | 13.2083% | 1,130 |
| Retained earnings to average equity (ytd only) | 7.5877% | 1,203 |
| Net charge-offs to loans | 0.3169% | 2,104 |
| Credit loss provision to net charge-offs | 60.4396% | 3,550 |
| Earnings coverage of net charge-offs (x) | 8.9560% | 2,576 |
| Efficiency ratio | 53.1878% | 6,203 |
| Assets per employee ($millions) | 5.9200% | 1,325 |
| Cash dividends to net income (ytd only)* | 42.5532% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9582% | 5,729 |
| Loan loss allowance to noncurrent loans | 148.4043% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.3970% | 5,059 |
| Noncurrent loans to loans | 0.6457% | 4,364 |
| Net loans and leases to total assets | 60.8910% | 3,562 |
| Net loans and leases to deposits | 69.8037% | 3,808 |
| Net loans and leases to core deposits | 74.7137% | 3,766 |
| Total domestic deposits to total assets | 87.2318% | 2,613 |
| Equity capital to assets | 12.0819% | 1,748 |
| Core capital (leverage) ratio | 12.2431% | 1,472 |
| Tier 1 risk-based capital ratio | 19.9979% | 1,654 |
| Total risk-based capital ratio | 20.9525% | 1,696 |
| Memoranda: | ||
| Average total assets | $45,332,800 | 6,141 |
| Average earning assets | $41,838,400 | 6,117 |
| Average equity | $5,693,400 | 5,885 |
| Average total loans | $28,715,400 | 5,817 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3983% | 2,601 |
| Cost of funding earning assets | 0.6334% | 2,517 |
| Net interest margin | 3.7649% | 2,782 |
| Noninterest income to average assets | 0.3212% | 5,118 |
| Noninterest expense to average assets | 1.9661% | 6,073 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.8144% | 509 |
| Return on assets (ROA) | 1.8144% | 528 |
| Pretax return on assets | 1.8382% | 828 |
| Return on Equity (ROE) | 14.3031% | 926 |
| Retained earnings to average equity (ytd only) | 9.1447% | 1,019 |
| Net charge-offs to loans | 0.0466% | 4,244 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 61.8140% | 738 |
| Efficiency ratio | 51.6810% | 6,277 |
| Assets per employee ($millions) | 5.6424% | 1,506 |
| Cash dividends to net income (ytd only)* | 36.0662% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 5,581 |
| Loan loss allowance to noncurrent loans | 131.4655% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.5140% | 4,905 |
| Noncurrent loans to loans | 0.7873% | 4,271 |
| Net loans and leases to total assets | 64.6093% | 2,899 |
| Net loans and leases to deposits | 74.5921% | 3,143 |
| Net loans and leases to core deposits | 81.7148% | 2,903 |
| Total domestic deposits to total assets | 86.6169% | 2,905 |
| Equity capital to assets | 12.5834% | 1,533 |
| Core capital (leverage) ratio | 12.8913% | 1,244 |
| Tier 1 risk-based capital ratio | 19.8597% | 1,766 |
| Total risk-based capital ratio | 20.9035% | 1,786 |
| Memoranda: | ||
| Average total assets | $44,826,000 | 6,220 |
| Average earning assets | $41,469,500 | 6,199 |
| Average equity | $5,686,250 | 5,950 |
| Average total loans | $28,615,000 | 5,882 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3783% | 2,645 |
| Cost of funding earning assets | 0.6345% | 2,636 |
| Net interest margin | 3.7439% | 2,790 |
| Noninterest income to average assets | 0.1834% | 6,107 |
| Noninterest expense to average assets | 2.1511% | 5,742 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4534% | 981 |
| Return on assets (ROA) | 1.4534% | 1,055 |
| Pretax return on assets | 1.4892% | 1,650 |
| Return on Equity (ROE) | 11.4269% | 1,666 |
| Retained earnings to average equity (ytd only) | 6.5045% | 2,140 |
| Net charge-offs to loans | 0.0424% | 4,086 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 55.5000% | 742 |
| Efficiency ratio | 59.0909% | 5,594 |
| Assets per employee ($millions) | 5.7518% | 1,380 |
| Cash dividends to net income (ytd only)* | 43.0769% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 5,461 |
| Loan loss allowance to noncurrent loans | 132.0513% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.5085% | 4,994 |
| Noncurrent loans to loans | 0.8304% | 4,254 |
| Net loans and leases to total assets | 60.5707% | 3,568 |
| Net loans and leases to deposits | 69.5540% | 3,780 |
| Net loans and leases to core deposits | 73.4240% | 3,881 |
| Total domestic deposits to total assets | 87.0844% | 2,766 |
| Equity capital to assets | 12.1746% | 1,789 |
| Core capital (leverage) ratio | 12.2352% | 1,487 |
| Tier 1 risk-based capital ratio | 19.6379% | 1,815 |
| Total risk-based capital ratio | 20.7221% | 1,839 |
| Memoranda: | ||
| Average total assets | $44,721,670 | 6,267 |
| Average earning assets | $41,294,330 | 6,246 |
| Average equity | $5,688,330 | 5,998 |
| Average total loans | $28,330,330 | 5,918 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4342% | 2,403 |
| Cost of funding earning assets | 0.6208% | 2,918 |
| Net interest margin | 3.8134% | 2,397 |
| Noninterest income to average assets | 0.3267% | 5,090 |
| Noninterest expense to average assets | 2.0329% | 6,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7334% | 536 |
| Return on assets (ROA) | 1.7334% | 595 |
| Pretax return on assets | 1.8060% | 873 |
| Return on Equity (ROE) | 13.3298% | 1,091 |
| Retained earnings to average equity (ytd only) | 9.1425% | 1,338 |
| Net charge-offs to loans | 0.0986% | 2,868 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 28.4286% | 984 |
| Efficiency ratio | 52.9551% | 6,312 |
| Assets per employee ($millions) | 5.6911% | 1,494 |
| Cash dividends to net income (ytd only)* | 31.4136% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 5,609 |
| Loan loss allowance to noncurrent loans | 154.0000% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.8961% | 4,143 |
| Noncurrent loans to loans | 0.7139% | 4,698 |
| Net loans and leases to total assets | 60.8535% | 3,275 |
| Net loans and leases to deposits | 70.2645% | 3,436 |
| Net loans and leases to core deposits | 72.7669% | 3,731 |
| Total domestic deposits to total assets | 86.6063% | 3,176 |
| Equity capital to assets | 12.7040% | 1,587 |
| Core capital (leverage) ratio | 12.4199% | 1,374 |
| Tier 1 risk-based capital ratio | 19.2898% | 1,958 |
| Total risk-based capital ratio | 20.3610% | 1,984 |
| Memoranda: | ||
| Average total assets | $44,075,500 | 6,345 |
| Average earning assets | $40,593,500 | 6,323 |
| Average equity | $5,731,500 | 6,043 |
| Average total loans | $28,405,500 | 5,959 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7281% | 2,481 |
| Cost of funding earning assets | 0.7078% | 3,436 |
| Net interest margin | 4.0202% | 2,316 |
| Noninterest income to average assets | 0.4243% | 4,420 |
| Noninterest expense to average assets | 2.3102% | 5,669 |
| Loan and lease loss provision to assets | 0.8086% | 598 |
| Net operating income to assets | 1.0278% | 2,217 |
| Return on assets (ROA) | 1.0278% | 2,428 |
| Pretax return on assets | 1.0278% | 3,447 |
| Return on Equity (ROE) | 7.8934% | 3,135 |
| Retained earnings to average equity (ytd only) | 3.5484% | 3,720 |
| Net charge-offs to loans | 0.9777% | 1,115 |
| Credit loss provision to net charge-offs | 129.4340% | 2,170 |
| Earnings coverage of net charge-offs (x) | 2.9396% | 3,958 |
| Efficiency ratio | 55.7135% | 6,087 |
| Assets per employee ($millions) | 5.3278% | 1,863 |
| Cash dividends to net income (ytd only)* | 55.0459% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 5,578 |
| Loan loss allowance to noncurrent loans | 256.0976% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.9619% | 4,101 |
| Noncurrent loans to loans | 0.4271% | 5,426 |
| Net loans and leases to total assets | 66.8246% | 2,399 |
| Net loans and leases to deposits | 77.7284% | 2,572 |
| Net loans and leases to core deposits | 80.7061% | 2,915 |
| Total domestic deposits to total assets | 85.9720% | 3,372 |
| Equity capital to assets | 13.3241% | 1,299 |
| Core capital (leverage) ratio | 12.5984% | 1,285 |
| Tier 1 risk-based capital ratio | 18.6223% | 2,066 |
| Total risk-based capital ratio | 19.7061% | 2,083 |
| Memoranda: | ||
| Average total assets | $42,420,000 | 6,416 |
| Average earning assets | $39,276,200 | 6,384 |
| Average equity | $5,523,600 | 6,139 |
| Average total loans | $27,104,000 | 6,077 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7830% | 2,454 |
| Cost of funding earning assets | 0.7319% | 3,497 |
| Net interest margin | 4.0511% | 2,289 |
| Noninterest income to average assets | 0.2989% | 5,384 |
| Noninterest expense to average assets | 2.1273% | 6,112 |
| Loan and lease loss provision to assets | 1.0794% | 363 |
| Net operating income to assets | 0.8371% | 3,275 |
| Return on assets (ROA) | 0.8371% | 3,522 |
| Pretax return on assets | 0.8371% | 4,352 |
| Return on Equity (ROE) | 6.4663% | 4,084 |
| Retained earnings to average equity (ytd only) | 2.0905% | 5,280 |
| Net charge-offs to loans | 1.1644% | 857 |
| Credit loss provision to net charge-offs | 147.2103% | 1,930 |
| Earnings coverage of net charge-offs (x) | 2.6137% | 3,992 |
| Efficiency ratio | 52.6070% | 6,390 |
| Assets per employee ($millions) | 5.1659% | 1,974 |
| Cash dividends to net income (ytd only)* | 67.6676% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 4,929 |
| Loan loss allowance to noncurrent loans | 186.5591% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 1.1929% | 3,899 |
| Noncurrent loans to loans | 0.6828% | 5,076 |
| Net loans and leases to total assets | 65.0713% | 2,823 |
| Net loans and leases to deposits | 75.9425% | 2,986 |
| Net loans and leases to core deposits | 78.9478% | 3,333 |
| Total domestic deposits to total assets | 85.6849% | 3,424 |
| Equity capital to assets | 13.5722% | 1,319 |
| Core capital (leverage) ratio | 12.7621% | 1,290 |
| Tier 1 risk-based capital ratio | 18.7934% | 2,077 |
| Total risk-based capital ratio | 20.0234% | 2,048 |
| Memoranda: | ||
| Average total assets | $42,369,500 | 6,489 |
| Average earning assets | $39,165,250 | 6,459 |
| Average equity | $5,484,750 | 6,221 |
| Average total loans | $26,680,750 | 6,182 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6965% | 2,929 |
| Cost of funding earning assets | 0.7565% | 3,550 |
| Net interest margin | 3.9400% | 2,750 |
| Noninterest income to average assets | 0.2996% | 5,410 |
| Noninterest expense to average assets | 2.1958% | 6,021 |
| Loan and lease loss provision to assets | 1.4046% | 268 |
| Net operating income to assets | 0.3324% | 5,491 |
| Return on assets (ROA) | 0.3324% | 5,713 |
| Pretax return on assets | 0.3324% | 5,887 |
| Return on Equity (ROE) | 2.6087% | 5,840 |
| Retained earnings to average equity (ytd only) | -1.8004% | 6,329 |
| Net charge-offs to loans | 1.6758% | 551 |
| Credit loss provision to net charge-offs | 135.1351% | 2,035 |
| Earnings coverage of net charge-offs (x) | 1.6712% | 4,152 |
| Efficiency ratio | 55.8333% | 6,134 |
| Assets per employee ($millions) | 5.3273% | 1,796 |
| Cash dividends to net income (ytd only)* | 169.0141% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 5,544 |
| Loan loss allowance to noncurrent loans | 256.0976% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.9925% | 4,390 |
| Noncurrent loans to loans | 0.4512% | 5,633 |
| Net loans and leases to total assets | 63.2198% | 3,196 |
| Net loans and leases to deposits | 73.0400% | 3,455 |
| Net loans and leases to core deposits | 76.4471% | 3,722 |
| Total domestic deposits to total assets | 86.5550% | 3,038 |
| Equity capital to assets | 12.7481% | 1,659 |
| Core capital (leverage) ratio | 12.1220% | 1,538 |
| Tier 1 risk-based capital ratio | 17.9497% | 2,307 |
| Total risk-based capital ratio | 19.0440% | 2,336 |
| Memoranda: | ||
| Average total assets | $42,717,000 | 6,522 |
| Average earning assets | $39,391,330 | 6,496 |
| Average equity | $5,443,330 | 6,258 |
| Average total loans | $26,494,670 | 6,233 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6374% | 3,324 |
| Cost of funding earning assets | 0.7932% | 3,529 |
| Net interest margin | 3.8441% | 3,163 |
| Noninterest income to average assets | 0.3554% | 5,027 |
| Noninterest expense to average assets | 2.2447% | 5,924 |
| Loan and lease loss provision to assets | 0.8137% | 598 |
| Net operating income to assets | 0.8324% | 3,232 |
| Return on assets (ROA) | 0.8324% | 3,466 |
| Pretax return on assets | 0.8324% | 4,290 |
| Return on Equity (ROE) | 6.5339% | 4,018 |
| Retained earnings to average equity (ytd only) | 2.1290% | 5,201 |
| Net charge-offs to loans | 0.6434% | 1,520 |
| Credit loss provision to net charge-offs | 207.1429% | 1,306 |
| Earnings coverage of net charge-offs (x) | 4.1905% | 2,640 |
| Efficiency ratio | 57.6923% | 5,959 |
| Assets per employee ($millions) | 5.3399% | 1,843 |
| Cash dividends to net income (ytd only)* | 67.4157% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0766% | 5,977 |
| Loan loss allowance to noncurrent loans | 117.9916% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.7467% | 5,056 |
| Noncurrent loans to loans | 0.9125% | 4,841 |
| Net loans and leases to total assets | 60.6545% | 3,521 |
| Net loans and leases to deposits | 70.0771% | 3,728 |
| Net loans and leases to core deposits | 73.8542% | 3,918 |
| Total domestic deposits to total assets | 86.5540% | 3,208 |
| Equity capital to assets | 12.7718% | 1,563 |
| Core capital (leverage) ratio | 12.4564% | 1,359 |
| Tier 1 risk-based capital ratio | 18.7451% | 2,067 |
| Total risk-based capital ratio | 19.7527% | 2,120 |
| Memoranda: | ||
| Average total assets | $42,766,500 | 6,574 |
| Average earning assets | $39,332,500 | 6,548 |
| Average equity | $5,448,500 | 6,294 |
| Average total loans | $26,113,000 | 6,301 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0028% | 2,865 |
| Cost of funding earning assets | 1.0011% | 3,372 |
| Net interest margin | 4.0017% | 2,869 |
| Noninterest income to average assets | 0.4772% | 4,012 |
| Noninterest expense to average assets | 2.2448% | 6,176 |
| Loan and lease loss provision to assets | 0.7669% | 1,302 |
| Net operating income to assets | 1.1346% | 1,707 |
| Return on assets (ROA) | 1.1346% | 1,831 |
| Pretax return on assets | 1.1443% | 2,679 |
| Return on Equity (ROE) | 8.8698% | 2,506 |
| Retained earnings to average equity (ytd only) | 3.9210% | 3,419 |
| Net charge-offs to loans | 0.9526% | 1,816 |
| Credit loss provision to net charge-offs | 126.0000% | 2,477 |
| Earnings coverage of net charge-offs (x) | 3.1400% | 3,640 |
| Efficiency ratio | 54.0129% | 6,514 |
| Assets per employee ($millions) | 5.3518% | 1,773 |
| Cash dividends to net income (ytd only)* | 55.7940% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9104% | 6,512 |
| Loan loss allowance to noncurrent loans | 64.9315% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 1.0394% | 4,531 |
| Noncurrent loans to loans | 1.4021% | 4,049 |
| Net loans and leases to total assets | 60.2513% | 3,944 |
| Net loans and leases to deposits | 69.5647% | 4,181 |
| Net loans and leases to core deposits | 73.9204% | 4,254 |
| Total domestic deposits to total assets | 86.6119% | 2,970 |
| Equity capital to assets | 12.7085% | 1,649 |
| Core capital (leverage) ratio | 12.6262% | 1,299 |
| Tier 1 risk-based capital ratio | 18.8285% | 1,950 |
| Total risk-based capital ratio | 19.6838% | 2,032 |
| Memoranda: | ||
| Average total assets | $41,073,000 | 6,637 |
| Average earning assets | $37,758,800 | 6,614 |
| Average equity | $5,253,800 | 6,366 |
| Average total loans | $26,244,800 | 6,338 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1548% | 2,368 |
| Cost of funding earning assets | 1.0409% | 3,382 |
| Net interest margin | 4.1139% | 2,418 |
| Noninterest income to average assets | 0.3314% | 5,213 |
| Noninterest expense to average assets | 2.1556% | 6,381 |
| Loan and lease loss provision to assets | 0.8268% | 1,125 |
| Net operating income to assets | 1.1385% | 1,843 |
| Return on assets (ROA) | 1.1385% | 1,966 |
| Pretax return on assets | 1.1352% | 2,873 |
| Return on Equity (ROE) | 8.8853% | 2,655 |
| Retained earnings to average equity (ytd only) | 3.7642% | 4,065 |
| Net charge-offs to loans | 1.0444% | 1,528 |
| Credit loss provision to net charge-offs | 122.3301% | 2,648 |
| Earnings coverage of net charge-offs (x) | 2.9029% | 3,692 |
| Efficiency ratio | 52.3506% | 6,646 |
| Assets per employee ($millions) | 4.9700% | 2,227 |
| Cash dividends to net income (ytd only)* | 57.6363% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8175% | 6,784 |
| Loan loss allowance to noncurrent loans | 62.4642% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 0.8778% | 4,984 |
| Noncurrent loans to loans | 1.3087% | 4,350 |
| Net loans and leases to total assets | 66.5216% | 2,777 |
| Net loans and leases to deposits | 77.6564% | 3,057 |
| Net loans and leases to core deposits | 83.6200% | 3,110 |
| Total domestic deposits to total assets | 85.6615% | 3,406 |
| Equity capital to assets | 13.5589% | 1,348 |
| Core capital (leverage) ratio | 12.8416% | 1,276 |
| Tier 1 risk-based capital ratio | 18.5997% | 2,063 |
| Total risk-based capital ratio | 19.3857% | 2,171 |
| Memoranda: | ||
| Average total assets | $40,637,750 | 6,707 |
| Average earning assets | $37,401,000 | 6,687 |
| Average equity | $5,207,000 | 6,435 |
| Average total loans | $26,297,750 | 6,402 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9997% | 3,159 |
| Cost of funding earning assets | 1.0699% | 3,473 |
| Net interest margin | 3.9299% | 3,169 |
| Noninterest income to average assets | 0.3323% | 5,231 |
| Noninterest expense to average assets | 2.1744% | 6,442 |
| Loan and lease loss provision to assets | 1.1727% | 675 |
| Net operating income to assets | 0.6157% | 3,979 |
| Return on assets (ROA) | 0.6157% | 4,114 |
| Pretax return on assets | 0.6108% | 4,713 |
| Return on Equity (ROE) | 4.8973% | 4,501 |
| Retained earnings to average equity (ytd only) | 0.2332% | 5,744 |
| Net charge-offs to loans | 1.2302% | 1,275 |
| Credit loss provision to net charge-offs | 149.0683% | 2,053 |
| Earnings coverage of net charge-offs (x) | 2.2671% | 3,696 |
| Efficiency ratio | 54.9383% | 6,516 |
| Assets per employee ($millions) | 5.0566% | 2,047 |
| Cash dividends to net income (ytd only)* | 95.2381% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 6,589 |
| Loan loss allowance to noncurrent loans | 418.3333% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 6,720 |
| Noncurrent loans to loans | 0.2211% | 6,463 |
| Net loans and leases to total assets | 66.4722% | 2,934 |
| Net loans and leases to deposits | 76.9914% | 3,291 |
| Net loans and leases to core deposits | 81.4750% | 3,586 |
| Total domestic deposits to total assets | 86.3372% | 3,135 |
| Equity capital to assets | 12.9335% | 1,549 |
| Core capital (leverage) ratio | 12.0242% | 1,582 |
| Tier 1 risk-based capital ratio | 17.7992% | 2,239 |
| Total risk-based capital ratio | 18.6899% | 2,331 |
| Memoranda: | ||
| Average total assets | $40,930,330 | 6,753 |
| Average earning assets | $37,762,000 | 6,723 |
| Average equity | $5,145,670 | 6,483 |
| Average total loans | $26,174,670 | 6,470 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9252% | 3,451 |
| Cost of funding earning assets | 1.1098% | 3,462 |
| Net interest margin | 3.8155% | 3,534 |
| Noninterest income to average assets | 0.3303% | 5,262 |
| Noninterest expense to average assets | 2.0987% | 6,637 |
| Loan and lease loss provision to assets | 2.3319% | 225 |
| Net operating income to assets | -0.5635% | 6,842 |
| Return on assets (ROA) | -0.5635% | 6,846 |
| Pretax return on assets | -0.5927% | 6,811 |
| Return on Equity (ROE) | -4.5468% | 6,782 |
| Retained earnings to average equity (ytd only) | -4.5468% | 6,477 |
| Net charge-offs to loans | 2.3665% | 505 |
| Credit loss provision to net charge-offs | 157.8947% | 1,817 |
| Earnings coverage of net charge-offs (x) | 1.1776% | 3,773 |
| Efficiency ratio | 54.6835% | 6,631 |
| Assets per employee ($millions) | 5.2473% | 1,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 6,421 |
| Loan loss allowance to noncurrent loans | 132.6531% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 6,049 |
| Noncurrent loans to loans | 0.7498% | 5,522 |
| Net loans and leases to total assets | 61.6490% | 3,937 |
| Net loans and leases to deposits | 70.6671% | 4,241 |
| Net loans and leases to core deposits | 76.0454% | 4,297 |
| Total domestic deposits to total assets | 87.2386% | 2,805 |
| Equity capital to assets | 12.0825% | 1,867 |
| Core capital (leverage) ratio | 11.9512% | 1,590 |
| Tier 1 risk-based capital ratio | 17.8753% | 2,156 |
| Total risk-based capital ratio | 18.8138% | 2,231 |
| Memoranda: | ||
| Average total assets | $41,169,000 | 6,794 |
| Average earning assets | $37,846,000 | 6,767 |
| Average equity | $5,102,500 | 6,518 |
| Average total loans | $25,691,500 | 6,546 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2343% | 3,438 |
| Cost of funding earning assets | 1.4578% | 2,906 |
| Net interest margin | 3.7765% | 4,048 |
| Noninterest income to average assets | 0.5115% | 4,083 |
| Noninterest expense to average assets | 2.1443% | 6,745 |
| Loan and lease loss provision to assets | 0.4392% | 3,484 |
| Net operating income to assets | 1.4545% | 845 |
| Return on assets (ROA) | 1.4545% | 912 |
| Pretax return on assets | 1.4752% | 1,439 |
| Return on Equity (ROE) | 11.0844% | 1,558 |
| Retained earnings to average equity (ytd only) | 4.7842% | 2,554 |
| Net charge-offs to loans | 0.6961% | 2,919 |
| Credit loss provision to net charge-offs | 96.0452% | 4,838 |
| Earnings coverage of net charge-offs (x) | 4.1864% | 3,026 |
| Efficiency ratio | 52.8326% | 6,910 |
| Assets per employee ($millions) | 5.0450% | 2,090 |
| Cash dividends to net income (ytd only)* | 56.8384% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6814% | 7,158 |
| Loan loss allowance to noncurrent loans | 83.9024% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.5079% | 6,010 |
| Noncurrent loans to loans | 0.8121% | 5,426 |
| Net loans and leases to total assets | 62.1209% | 4,260 |
| Net loans and leases to deposits | 71.7717% | 4,558 |
| Net loans and leases to core deposits | 76.5020% | 4,637 |
| Total domestic deposits to total assets | 86.5535% | 3,053 |
| Equity capital to assets | 12.7180% | 1,519 |
| Core capital (leverage) ratio | 12.8758% | 1,171 |
| Tier 1 risk-based capital ratio | 18.8306% | 1,760 |
| Total risk-based capital ratio | 19.4769% | 1,893 |
| Memoranda: | ||
| Average total assets | $38,707,800 | 6,911 |
| Average earning assets | $36,356,000 | 6,863 |
| Average equity | $5,079,200 | 6,641 |
| Average total loans | $25,426,800 | 6,641 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2813% | 3,444 |
| Cost of funding earning assets | 1.5216% | 2,831 |
| Net interest margin | 3.7597% | 4,142 |
| Noninterest income to average assets | 0.5780% | 3,595 |
| Noninterest expense to average assets | 2.1343% | 6,772 |
| Loan and lease loss provision to assets | 0.2437% | 4,648 |
| Net operating income to assets | 1.7269% | 591 |
| Return on assets (ROA) | 1.7269% | 643 |
| Pretax return on assets | 1.7443% | 1,024 |
| Return on Equity (ROE) | 13.0547% | 1,239 |
| Retained earnings to average equity (ytd only) | 6.7378% | 1,974 |
| Net charge-offs to loans | 0.5653% | 3,058 |
| Credit loss provision to net charge-offs | 64.8148% | 5,568 |
| Earnings coverage of net charge-offs (x) | 5.2869% | 2,785 |
| Efficiency ratio | 51.7736% | 7,002 |
| Assets per employee ($millions) | 4.6983% | 2,599 |
| Cash dividends to net income (ytd only)* | 48.3866% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5372% | 7,420 |
| Loan loss allowance to noncurrent loans | 53.4091% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 0.7024% | 5,708 |
| Noncurrent loans to loans | 1.0058% | 5,224 |
| Net loans and leases to total assets | 69.4567% | 2,867 |
| Net loans and leases to deposits | 81.5660% | 3,177 |
| Net loans and leases to core deposits | 86.7194% | 3,554 |
| Total domestic deposits to total assets | 85.1540% | 3,545 |
| Equity capital to assets | 14.0052% | 1,163 |
| Core capital (leverage) ratio | 13.0473% | 1,208 |
| Tier 1 risk-based capital ratio | 18.7400% | 1,808 |
| Total risk-based capital ratio | 19.2659% | 1,982 |
| Memoranda: | ||
| Average total assets | $38,294,750 | 7,007 |
| Average earning assets | $36,101,000 | 6,954 |
| Average equity | $5,065,750 | 6,729 |
| Average total loans | $25,472,500 | 6,727 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2392% | 3,763 |
| Cost of funding earning assets | 1.5640% | 2,874 |
| Net interest margin | 3.6752% | 4,474 |
| Noninterest income to average assets | 0.3685% | 5,193 |
| Noninterest expense to average assets | 2.0866% | 6,946 |
| Loan and lease loss provision to assets | 0.1038% | 5,881 |
| Net operating income to assets | 1.6039% | 723 |
| Return on assets (ROA) | 1.6039% | 775 |
| Pretax return on assets | 1.6299% | 1,212 |
| Return on Equity (ROE) | 12.3608% | 1,371 |
| Retained earnings to average equity (ytd only) | 5.9604% | 2,353 |
| Net charge-offs to loans | 0.5235% | 2,964 |
| Credit loss provision to net charge-offs | 30.3030% | 5,729 |
| Earnings coverage of net charge-offs (x) | 5.0606% | 2,760 |
| Efficiency ratio | 54.6196% | 6,805 |
| Assets per employee ($millions) | 4.8918% | 2,311 |
| Cash dividends to net income (ytd only)* | 51.7799% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5169% | 7,488 |
| Loan loss allowance to noncurrent loans | 49.6269% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 0.6848% | 5,780 |
| Noncurrent loans to loans | 1.0417% | 5,223 |
| Net loans and leases to total assets | 65.4035% | 3,963 |
| Net loans and leases to deposits | 75.8753% | 4,360 |
| Net loans and leases to core deposits | 83.6793% | 4,173 |
| Total domestic deposits to total assets | 86.1987% | 2,976 |
| Equity capital to assets | 13.0270% | 1,558 |
| Core capital (leverage) ratio | 12.7694% | 1,299 |
| Tier 1 risk-based capital ratio | 18.1788% | 1,908 |
| Total risk-based capital ratio | 18.6705% | 2,088 |
| Memoranda: | ||
| Average total assets | $38,531,000 | 7,046 |
| Average earning assets | $36,188,670 | 6,995 |
| Average equity | $4,999,670 | 6,780 |
| Average total loans | $25,214,330 | 6,789 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2483% | 3,789 |
| Cost of funding earning assets | 1.6046% | 2,933 |
| Net interest margin | 3.6438% | 4,525 |
| Noninterest income to average assets | 0.3767% | 5,126 |
| Noninterest expense to average assets | 2.1868% | 6,721 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5695% | 796 |
| Return on assets (ROA) | 1.5695% | 850 |
| Pretax return on assets | 1.6113% | 1,236 |
| Return on Equity (ROE) | 12.1200% | 1,465 |
| Retained earnings to average equity (ytd only) | 5.6560% | 2,781 |
| Net charge-offs to loans | 0.3205% | 3,129 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 7.7000% | 2,054 |
| Efficiency ratio | 57.5758% | 6,550 |
| Assets per employee ($millions) | 4.7215% | 2,612 |
| Cash dividends to net income (ytd only)* | 53.3333% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6390% | 7,447 |
| Loan loss allowance to noncurrent loans | 454.2857% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 7,255 |
| Noncurrent loans to loans | 0.1407% | 7,054 |
| Net loans and leases to total assets | 65.4585% | 4,001 |
| Net loans and leases to deposits | 76.0652% | 4,401 |
| Net loans and leases to core deposits | 81.4126% | 4,567 |
| Total domestic deposits to total assets | 86.0558% | 3,129 |
| Equity capital to assets | 13.1817% | 1,451 |
| Core capital (leverage) ratio | 12.6154% | 1,362 |
| Tier 1 risk-based capital ratio | 17.6094% | 2,049 |
| Total risk-based capital ratio | 18.1881% | 2,234 |
| Memoranda: | ||
| Average total assets | $38,229,500 | 7,146 |
| Average earning assets | $35,897,000 | 7,094 |
| Average equity | $4,950,500 | 6,861 |
| Average total loans | $24,957,500 | 6,886 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4372% | 4,504 |
| Cost of funding earning assets | 1.9568% | 3,174 |
| Net interest margin | 3.4804% | 5,039 |
| Noninterest income to average assets | 0.4951% | 4,455 |
| Noninterest expense to average assets | 2.2518% | 6,868 |
| Loan and lease loss provision to assets | 0.4056% | 4,383 |
| Net operating income to assets | 1.0640% | 1,610 |
| Return on assets (ROA) | 1.0640% | 1,660 |
| Pretax return on assets | 1.0745% | 2,324 |
| Return on Equity (ROE) | 8.4174% | 2,231 |
| Retained earnings to average equity (ytd only) | 4.0212% | 2,400 |
| Net charge-offs to loans | 0.4118% | 4,165 |
| Credit loss provision to net charge-offs | 157.1429% | 2,865 |
| Earnings coverage of net charge-offs (x) | 5.7347% | 2,512 |
| Efficiency ratio | 60.3387% | 6,431 |
| Assets per employee ($millions) | 4.2986% | 3,268 |
| Cash dividends to net income (ytd only)* | 52.2277% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7151% | 7,344 |
| Loan loss allowance to noncurrent loans | 158.4071% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.2921% | 6,717 |
| Noncurrent loans to loans | 0.4514% | 6,366 |
| Net loans and leases to total assets | 64.2386% | 4,550 |
| Net loans and leases to deposits | 74.2427% | 5,000 |
| Net loans and leases to core deposits | 99.3285% | 4,072 |
| Total domestic deposits to total assets | 86.5252% | 2,748 |
| Equity capital to assets | 12.7226% | 1,632 |
| Core capital (leverage) ratio | 12.2602% | 1,550 |
| Tier 1 risk-based capital ratio | 17.0329% | 2,141 |
| Total risk-based capital ratio | 17.6725% | 2,298 |
| Memoranda: | ||
| Average total assets | $37,970,200 | 7,171 |
| Average earning assets | $35,312,000 | 7,125 |
| Average equity | $4,799,600 | 7,023 |
| Average total loans | $23,795,200 | 6,991 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3997% | 4,951 |
| Cost of funding earning assets | 1.9798% | 3,470 |
| Net interest margin | 3.4199% | 5,181 |
| Noninterest income to average assets | 0.4763% | 4,703 |
| Noninterest expense to average assets | 2.2192% | 6,925 |
| Loan and lease loss provision to assets | 0.5433% | 3,219 |
| Net operating income to assets | 0.8891% | 2,456 |
| Return on assets (ROA) | 0.8891% | 2,534 |
| Pretax return on assets | 0.8891% | 3,263 |
| Return on Equity (ROE) | 7.0453% | 3,051 |
| Retained earnings to average equity (ytd only) | 3.3829% | 3,409 |
| Net charge-offs to loans | 0.5052% | 3,204 |
| Credit loss provision to net charge-offs | 173.0337% | 2,678 |
| Earnings coverage of net charge-offs (x) | 4.5619% | 3,094 |
| Efficiency ratio | 60.7729% | 6,313 |
| Assets per employee ($millions) | 4.1410% | 3,482 |
| Cash dividends to net income (ytd only)* | 51.9837% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7509% | 7,259 |
| Loan loss allowance to noncurrent loans | 154.0984% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.3273% | 6,659 |
| Noncurrent loans to loans | 0.4873% | 6,344 |
| Net loans and leases to total assets | 66.6720% | 4,268 |
| Net loans and leases to deposits | 77.4805% | 4,823 |
| Net loans and leases to core deposits | 113.1924% | 2,917 |
| Total domestic deposits to total assets | 86.0501% | 2,684 |
| Equity capital to assets | 13.1101% | 1,653 |
| Core capital (leverage) ratio | 12.5290% | 1,571 |
| Tier 1 risk-based capital ratio | 17.3915% | 2,150 |
| Total risk-based capital ratio | 18.0879% | 2,277 |
| Memoranda: | ||
| Average total assets | $37,791,000 | 7,240 |
| Average earning assets | $35,087,500 | 7,204 |
| Average equity | $4,769,000 | 7,088 |
| Average total loans | $23,486,250 | 7,062 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4223% | 5,030 |
| Cost of funding earning assets | 2.0585% | 3,482 |
| Net interest margin | 3.3638% | 5,299 |
| Noninterest income to average assets | 0.4847% | 4,583 |
| Noninterest expense to average assets | 2.2389% | 6,951 |
| Loan and lease loss provision to assets | 0.1896% | 5,142 |
| Net operating income to assets | 1.1221% | 1,692 |
| Return on assets (ROA) | 1.1221% | 1,775 |
| Pretax return on assets | 1.1379% | 2,508 |
| Return on Equity (ROE) | 9.0063% | 2,356 |
| Retained earnings to average equity (ytd only) | 6.1734% | 1,939 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7770% | 6,126 |
| Assets per employee ($millions) | 4.4242% | 2,892 |
| Cash dividends to net income (ytd only)* | 31.4554% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6626% | 7,513 |
| Loan loss allowance to noncurrent loans | 113.6691% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.3491% | 6,578 |
| Noncurrent loans to loans | 0.5829% | 6,091 |
| Net loans and leases to total assets | 59.4907% | 5,766 |
| Net loans and leases to deposits | 68.2848% | 6,155 |
| Net loans and leases to core deposits | 96.5321% | 4,841 |
| Total domestic deposits to total assets | 87.1214% | 2,182 |
| Equity capital to assets | 12.0548% | 2,172 |
| Core capital (leverage) ratio | 12.1185% | 1,785 |
| Tier 1 risk-based capital ratio | 18.3954% | 1,896 |
| Total risk-based capital ratio | 19.0111% | 2,027 |
| Memoranda: | ||
| Average total assets | $37,965,000 | 7,295 |
| Average earning assets | $34,782,330 | 7,279 |
| Average equity | $4,730,000 | 7,162 |
| Average total loans | $22,969,670 | 7,150 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4258% | 5,287 |
| Cost of funding earning assets | 2.0824% | 3,728 |
| Net interest margin | 3.3434% | 5,350 |
| Noninterest income to average assets | 0.4320% | 4,945 |
| Noninterest expense to average assets | 2.2031% | 6,861 |
| Loan and lease loss provision to assets | 0.1944% | 4,496 |
| Net operating income to assets | 1.1340% | 1,855 |
| Return on assets (ROA) | 1.1340% | 1,975 |
| Pretax return on assets | 1.1556% | 2,783 |
| Return on Equity (ROE) | 8.9457% | 2,744 |
| Retained earnings to average equity (ytd only) | 8.9457% | 1,502 |
| Net charge-offs to loans | -0.6746% | 8,136 |
| Credit loss provision to net charge-offs | -47.3684% | 6,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0061% | 6,047 |
| Assets per employee ($millions) | 4.5609% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7681% | 7,255 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.4878% | 6,011 |
| Noncurrent loans to loans | 0.7681% | 5,510 |
| Net loans and leases to total assets | 63.0224% | 5,155 |
| Net loans and leases to deposits | 73.3236% | 5,568 |
| Net loans and leases to core deposits | 99.0609% | 4,635 |
| Total domestic deposits to total assets | 85.9512% | 2,752 |
| Equity capital to assets | 13.0430% | 1,722 |
| Core capital (leverage) ratio | 12.7562% | 1,578 |
| Tier 1 risk-based capital ratio | 17.6324% | 2,145 |
| Total risk-based capital ratio | 18.3031% | 2,259 |
| Memoranda: | ||
| Average total assets | $37,038,500 | 7,376 |
| Average earning assets | $34,575,500 | 7,325 |
| Average equity | $4,695,000 | 7,224 |
| Average total loans | $22,531,500 | 7,214 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1154% | 4,958 |
| Cost of funding earning assets | 2.4213% | 4,624 |
| Net interest margin | 3.6941% | 4,497 |
| Noninterest income to average assets | 0.5645% | 4,113 |
| Noninterest expense to average assets | 2.3142% | 6,654 |
| Loan and lease loss provision to assets | 0.2217% | 4,669 |
| Net operating income to assets | 0.9438% | 2,817 |
| Return on assets (ROA) | 0.5881% | 4,224 |
| Pretax return on assets | 0.9901% | 3,413 |
| Return on Equity (ROE) | 4.2777% | 4,697 |
| Retained earnings to average equity (ytd only) | 0.8383% | 4,719 |
| Net charge-offs to loans | 0.4378% | 2,640 |
| Credit loss provision to net charge-offs | 78.9474% | 5,922 |
| Earnings coverage of net charge-offs (x) | 6.2947% | 3,391 |
| Efficiency ratio | 56.6980% | 6,911 |
| Assets per employee ($millions) | 4.6988% | 2,329 |
| Cash dividends to net income (ytd only)* | 80.4020% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5619% | 7,744 |
| Loan loss allowance to noncurrent loans | 81.4570% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 6,013 |
| Noncurrent loans to loans | 0.6898% | 5,316 |
| Net loans and leases to total assets | 57.9064% | 6,211 |
| Net loans and leases to deposits | 66.6922% | 6,593 |
| Net loans and leases to core deposits | 94.4953% | 5,401 |
| Total domestic deposits to total assets | 86.8263% | 2,020 |
| Equity capital to assets | 12.3198% | 2,099 |
| Core capital (leverage) ratio | 12.8141% | 1,613 |
| Tier 1 risk-based capital ratio | 19.0314% | 1,807 |
| Total risk-based capital ratio | 19.5431% | 1,913 |
| Memoranda: | ||
| Average total assets | $33,835,200 | 7,471 |
| Average earning assets | $32,213,800 | 7,398 |
| Average equity | $4,652,000 | 7,277 |
| Average total loans | $21,699,400 | 7,213 |