Home > State Bank of Lakota > Performance and Condition Ratios
State Bank of Lakota, 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 | 4.5156% | 3,074 |
| Cost of funding earning assets | 0.6514% | 3,994 |
| Net interest margin | 3.8642% | 1,453 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.1408% | 3,291 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.6159% | 843 |
| Return on assets (ROA) | 1.6159% | 814 |
| Pretax return on assets | 1.6159% | 1,208 |
| Return on Equity (ROE) | 20.1300% | 606 |
| Retained earnings to average equity (ytd only) | 7.2365% | 1,815 |
| Net charge-offs to loans | 0.0323% | 1,649 |
| Credit loss provision to net charge-offs | 654.5455% | 557 |
| Earnings coverage of net charge-offs (x) | 105.9091% | 876 |
| Efficiency ratio | 55.4152% | 3,558 |
| Assets per employee ($millions) | 5.9044% | 2,896 |
| Cash dividends to net income (ytd only)* | 64.0439% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 3,551 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 1,557 |
| Noncurrent loans to loans | 0.6307% | 1,248 |
| Net loans and leases to total assets | 55.1400% | 3,268 |
| Net loans and leases to deposits | 60.4558% | 3,495 |
| Net loans and leases to core deposits | 64.6315% | 3,557 |
| Total domestic deposits to total assets | 91.2000% | 453 |
| Equity capital to assets | 8.6485% | 2,933 |
| Core capital (leverage) ratio | 8.8565% | 3,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4996% | 1,392 |
| Memoranda: | ||
| Average total assets | $67,639,600 | 4,139 |
| Average earning assets | $65,396,000 | 4,083 |
| Average equity | $5,430,800 | 4,222 |
| Average total loans | $34,075,600 | 4,078 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2959% | 3,302 |
| Cost of funding earning assets | 0.6036% | 3,963 |
| Net interest margin | 3.6922% | 1,794 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 2.0084% | 3,576 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.5497% | 1,022 |
| Return on assets (ROA) | 1.5497% | 1,016 |
| Pretax return on assets | 1.5497% | 1,466 |
| Return on Equity (ROE) | 19.6600% | 759 |
| Retained earnings to average equity (ytd only) | 12.8520% | 839 |
| Net charge-offs to loans | 0.0477% | 1,210 |
| Credit loss provision to net charge-offs | 600.0000% | 555 |
| Earnings coverage of net charge-offs (x) | 72.1667% | 1,096 |
| Efficiency ratio | 54.3008% | 3,564 |
| Assets per employee ($millions) | 6.4017% | 2,399 |
| Cash dividends to net income (ytd only)* | 34.6348% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9212% | 3,663 |
| Loan loss allowance to noncurrent loans | 103.6474% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.4672% | 1,246 |
| Noncurrent loans to loans | 0.8888% | 931 |
| Net loans and leases to total assets | 52.0800% | 3,489 |
| Net loans and leases to deposits | 56.8885% | 3,664 |
| Net loans and leases to core deposits | 60.0724% | 3,701 |
| Total domestic deposits to total assets | 91.5500% | 547 |
| Equity capital to assets | 7.9453% | 3,089 |
| Core capital (leverage) ratio | 9.5665% | 3,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1698% | 1,515 |
| Memoranda: | ||
| Average total assets | $68,312,500 | 4,145 |
| Average earning assets | $66,263,750 | 4,097 |
| Average equity | $5,384,250 | 4,239 |
| Average total loans | $33,556,250 | 4,106 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1900% | 3,316 |
| Cost of funding earning assets | 0.5716% | 3,830 |
| Net interest margin | 3.6183% | 1,994 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 2.0115% | 3,565 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.4731% | 1,160 |
| Return on assets (ROA) | 1.4731% | 1,147 |
| Pretax return on assets | 1.4731% | 1,647 |
| Return on Equity (ROE) | 18.7400% | 865 |
| Retained earnings to average equity (ytd only) | 13.0975% | 794 |
| Net charge-offs to loans | 0.0185% | 1,534 |
| Credit loss provision to net charge-offs | 1,466.6667% | 323 |
| Earnings coverage of net charge-offs (x) | 182.6667% | 658 |
| Efficiency ratio | 55.3746% | 3,492 |
| Assets per employee ($millions) | 5.7318% | 2,942 |
| Cash dividends to net income (ytd only)* | 30.1205% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 3,651 |
| Loan loss allowance to noncurrent loans | 167.7083% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.3045% | 1,699 |
| Noncurrent loans to loans | 0.5619% | 1,332 |
| Net loans and leases to total assets | 53.6800% | 3,291 |
| Net loans and leases to deposits | 58.9857% | 3,484 |
| Net loans and leases to core deposits | 62.6975% | 3,511 |
| Total domestic deposits to total assets | 91.0100% | 647 |
| Equity capital to assets | 8.6217% | 2,763 |
| Core capital (leverage) ratio | 9.1032% | 3,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8909% | 1,341 |
| Memoranda: | ||
| Average total assets | $67,610,333 | 4,169 |
| Average earning assets | $65,776,333 | 4,123 |
| Average equity | $5,314,000 | 4,266 |
| Average total loans | $32,402,667 | 4,130 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8997% | 3,674 |
| Cost of funding earning assets | 0.4764% | 3,765 |
| Net interest margin | 3.4233% | 2,575 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.7170% | 4,175 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.7112% | 805 |
| Return on assets (ROA) | 1.7112% | 801 |
| Pretax return on assets | 1.7112% | 1,254 |
| Return on Equity (ROE) | 22.7700% | 526 |
| Retained earnings to average equity (ytd only) | 22.7679% | 255 |
| Net charge-offs to loans | -0.0127% | 3,930 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.2611% | 4,002 |
| Assets per employee ($millions) | 6.7437% | 2,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 3,639 |
| Loan loss allowance to noncurrent loans | 212.0301% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.1972% | 2,159 |
| Noncurrent loans to loans | 0.4570% | 1,575 |
| Net loans and leases to total assets | 42.7400% | 3,922 |
| Net loans and leases to deposits | 46.6295% | 4,010 |
| Net loans and leases to core deposits | 52.0026% | 3,913 |
| Total domestic deposits to total assets | 91.6600% | 602 |
| Equity capital to assets | 8.0772% | 3,187 |
| Core capital (leverage) ratio | 8.6729% | 4,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6918% | 1,213 |
| Memoranda: | ||
| Average total assets | $69,890,500 | 4,202 |
| Average earning assets | $68,004,500 | 4,151 |
| Average equity | $5,253,000 | 4,329 |
| Average total loans | $31,520,000 | 4,201 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2015% | 3,817 |
| Cost of funding earning assets | 0.1779% | 3,930 |
| Net interest margin | 3.0237% | 3,386 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 1.8590% | 3,911 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.0373% | 2,429 |
| Return on assets (ROA) | 1.0373% | 2,369 |
| Pretax return on assets | 1.0373% | 2,954 |
| Return on Equity (ROE) | 14.7800% | 1,316 |
| Retained earnings to average equity (ytd only) | 5.0566% | 3,025 |
| Net charge-offs to loans | 0.0279% | 1,506 |
| Credit loss provision to net charge-offs | 166.6667% | 1,226 |
| Earnings coverage of net charge-offs (x) | 86.1111% | 1,050 |
| Efficiency ratio | 63.7342% | 2,533 |
| Assets per employee ($millions) | 7.2344% | 1,794 |
| Cash dividends to net income (ytd only)* | 65.7895% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9106% | 3,732 |
| Loan loss allowance to noncurrent loans | 237.6923% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 2,292 |
| Noncurrent loans to loans | 0.3831% | 1,769 |
| Net loans and leases to total assets | 46.4800% | 3,772 |
| Net loans and leases to deposits | 49.9814% | 3,899 |
| Net loans and leases to core deposits | 52.1415% | 3,910 |
| Total domestic deposits to total assets | 92.9900% | 409 |
| Equity capital to assets | 6.9930% | 3,673 |
| Core capital (leverage) ratio | 7.8210% | 4,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5911% | 1,767 |
| Memoranda: | ||
| Average total assets | $73,265,400 | 4,204 |
| Average earning assets | $67,467,800 | 4,185 |
| Average equity | $5,141,800 | 4,413 |
| Average total loans | $32,305,000 | 4,203 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9765% | 3,927 |
| Cost of funding earning assets | 0.1578% | 3,751 |
| Net interest margin | 2.8186% | 3,695 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 1.7597% | 4,055 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.8907% | 2,903 |
| Return on assets (ROA) | 0.8907% | 2,884 |
| Pretax return on assets | 0.8907% | 3,345 |
| Return on Equity (ROE) | 12.6800% | 1,812 |
| Retained earnings to average equity (ytd only) | 7.5156% | 2,183 |
| Net charge-offs to loans | 0.0418% | 1,077 |
| Credit loss provision to net charge-offs | 150.0000% | 1,125 |
| Earnings coverage of net charge-offs (x) | 50.6000% | 1,278 |
| Efficiency ratio | 65.7182% | 2,321 |
| Assets per employee ($millions) | 6.8735% | 2,043 |
| Cash dividends to net income (ytd only)* | 40.7332% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9539% | 3,677 |
| Loan loss allowance to noncurrent loans | 1,184.6154% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 3,538 |
| Noncurrent loans to loans | 0.0805% | 3,300 |
| Net loans and leases to total assets | 46.5300% | 3,726 |
| Net loans and leases to deposits | 50.4249% | 3,831 |
| Net loans and leases to core deposits | 52.9987% | 3,808 |
| Total domestic deposits to total assets | 92.2700% | 789 |
| Equity capital to assets | 7.3660% | 3,290 |
| Core capital (leverage) ratio | 7.6704% | 4,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3084% | 1,618 |
| Memoranda: | ||
| Average total assets | $73,495,750 | 4,232 |
| Average earning assets | $66,744,250 | 4,221 |
| Average equity | $5,162,500 | 4,451 |
| Average total loans | $31,897,750 | 4,237 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6518% | 4,216 |
| Cost of funding earning assets | 0.1497% | 3,581 |
| Net interest margin | 2.5022% | 4,083 |
| Noninterest income to average assets | 0.0932% | 4,518 |
| Noninterest expense to average assets | 1.7421% | 4,070 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5780% | 3,686 |
| Return on assets (ROA) | 0.5780% | 3,634 |
| Pretax return on assets | 0.5780% | 3,856 |
| Return on Equity (ROE) | 8.3531% | 2,913 |
| Retained earnings to average equity (ytd only) | 4.5038% | 2,880 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0861% | 1,380 |
| Assets per employee ($millions) | 7.3043% | 1,734 |
| Cash dividends to net income (ytd only)* | 46.0829% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9485% | 3,799 |
| Loan loss allowance to noncurrent loans | 688.6364% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 3,377 |
| Noncurrent loans to loans | 0.1377% | 3,017 |
| Net loans and leases to total assets | 43.3183% | 3,885 |
| Net loans and leases to deposits | 46.6943% | 3,997 |
| Net loans and leases to core deposits | 49.4754% | 3,958 |
| Total domestic deposits to total assets | 92.7700% | 570 |
| Equity capital to assets | 6.9972% | 3,773 |
| Core capital (leverage) ratio | 7.5671% | 4,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4500% | 1,884 |
| Memoranda: | ||
| Average total assets | $75,082,667 | 4,260 |
| Average earning assets | $66,821,333 | 4,279 |
| Average equity | $5,195,667 | 4,502 |
| Average total loans | $31,767,333 | 4,289 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4843% | 4,288 |
| Cost of funding earning assets | 0.1587% | 3,394 |
| Net interest margin | 2.3256% | 4,195 |
| Noninterest income to average assets | 0.0788% | 4,579 |
| Noninterest expense to average assets | 1.4875% | 4,444 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5939% | 3,417 |
| Return on assets (ROA) | 0.5939% | 3,397 |
| Pretax return on assets | 0.5939% | 3,651 |
| Return on Equity (ROE) | 8.6292% | 2,469 |
| Retained earnings to average equity (ytd only) | 8.6292% | 1,390 |
| Net charge-offs to loans | 0.0126% | 1,305 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 113.0000% | 634 |
| Efficiency ratio | 71.4646% | 2,047 |
| Assets per employee ($millions) | 7.1302% | 1,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 3,485 |
| Loan loss allowance to noncurrent loans | 616.3265% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 3,373 |
| Noncurrent loans to loans | 0.1723% | 2,954 |
| Net loans and leases to total assets | 39.4701% | 4,045 |
| Net loans and leases to deposits | 42.6383% | 4,135 |
| Net loans and leases to core deposits | 45.5912% | 4,097 |
| Total domestic deposits to total assets | 92.5696% | 386 |
| Equity capital to assets | 7.2957% | 4,050 |
| Core capital (leverage) ratio | 7.2970% | 4,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6623% | 1,593 |
| Memoranda: | ||
| Average total assets | $76,102,500 | 4,270 |
| Average earning assets | $65,532,000 | 4,312 |
| Average equity | $5,238,000 | 4,544 |
| Average total loans | $31,679,000 | 4,299 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0291% | 3,816 |
| Cost of funding earning assets | 0.2285% | 3,150 |
| Net interest margin | 2.8006% | 3,664 |
| Noninterest income to average assets | 0.3489% | 3,345 |
| Noninterest expense to average assets | 1.8083% | 4,133 |
| Loan and lease loss provision to assets | 0.0507% | 2,047 |
| Net operating income to assets | 0.8672% | 3,143 |
| Return on assets (ROA) | 0.8672% | 3,202 |
| Pretax return on assets | 0.8672% | 3,574 |
| Return on Equity (ROE) | 11.1471% | 2,109 |
| Retained earnings to average equity (ytd only) | 1.8423% | 4,026 |
| Net charge-offs to loans | 0.1037% | 838 |
| Credit loss provision to net charge-offs | 102.9412% | 1,767 |
| Earnings coverage of net charge-offs (x) | 18.6471% | 1,904 |
| Efficiency ratio | 66.3303% | 2,218 |
| Assets per employee ($millions) | 8.0903% | 1,284 |
| Cash dividends to net income (ytd only)* | 83.4725% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8679% | 4,141 |
| Loan loss allowance to noncurrent loans | 673.3333% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 3,589 |
| Noncurrent loans to loans | 0.1289% | 3,285 |
| Net loans and leases to total assets | 42.7796% | 3,927 |
| Net loans and leases to deposits | 45.7762% | 4,105 |
| Net loans and leases to core deposits | 48.7932% | 4,065 |
| Total domestic deposits to total assets | 93.4539% | 24 |
| Equity capital to assets | 6.5189% | 4,787 |
| Core capital (leverage) ratio | 7.3854% | 4,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5246% | 2,440 |
| Memoranda: | ||
| Average total assets | $69,070,800 | 4,348 |
| Average earning assets | $58,631,000 | 4,397 |
| Average equity | $5,373,600 | 4,593 |
| Average total loans | $32,781,000 | 4,320 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0581% | 3,893 |
| Cost of funding earning assets | 0.2444% | 3,169 |
| Net interest margin | 2.8137% | 3,752 |
| Noninterest income to average assets | 0.4517% | 2,829 |
| Noninterest expense to average assets | 1.8453% | 4,067 |
| Loan and lease loss provision to assets | 0.0106% | 2,781 |
| Net operating income to assets | 1.0346% | 2,792 |
| Return on assets (ROA) | 1.0346% | 2,854 |
| Pretax return on assets | 1.0346% | 3,365 |
| Return on Equity (ROE) | 12.6699% | 1,814 |
| Retained earnings to average equity (ytd only) | 7.1129% | 2,373 |
| Net charge-offs to loans | 0.0248% | 1,547 |
| Credit loss provision to net charge-offs | 83.3333% | 1,700 |
| Earnings coverage of net charge-offs (x) | 86.3333% | 939 |
| Efficiency ratio | 63.8521% | 2,407 |
| Assets per employee ($millions) | 6.8329% | 1,994 |
| Cash dividends to net income (ytd only)* | 43.8596% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8672% | 4,234 |
| Loan loss allowance to noncurrent loans | 144.7115% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 2,251 |
| Noncurrent loans to loans | 0.5993% | 1,812 |
| Net loans and leases to total assets | 50.3564% | 3,367 |
| Net loans and leases to deposits | 54.9772% | 3,656 |
| Net loans and leases to core deposits | 59.4677% | 3,512 |
| Total domestic deposits to total assets | 91.5951% | 213 |
| Equity capital to assets | 8.0303% | 4,506 |
| Core capital (leverage) ratio | 8.1671% | 4,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0454% | 1,954 |
| Memoranda: | ||
| Average total assets | $66,112,750 | 4,437 |
| Average earning assets | $57,289,250 | 4,480 |
| Average equity | $5,398,500 | 4,657 |
| Average total loans | $32,248,000 | 4,394 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9941% | 4,057 |
| Cost of funding earning assets | 0.2590% | 3,194 |
| Net interest margin | 2.7352% | 3,910 |
| Noninterest income to average assets | 0.6394% | 2,047 |
| Noninterest expense to average assets | 1.7805% | 4,225 |
| Loan and lease loss provision to assets | 0.0153% | 2,643 |
| Net operating income to assets | 1.2023% | 2,185 |
| Return on assets (ROA) | 1.2023% | 2,257 |
| Pretax return on assets | 1.2023% | 2,907 |
| Return on Equity (ROE) | 14.6396% | 1,249 |
| Retained earnings to average equity (ytd only) | 9.9832% | 1,398 |
| Net charge-offs to loans | 0.0191% | 1,559 |
| Credit loss provision to net charge-offs | 166.6667% | 1,123 |
| Earnings coverage of net charge-offs (x) | 132.6667% | 635 |
| Efficiency ratio | 59.3878% | 3,098 |
| Assets per employee ($millions) | 6.9074% | 1,872 |
| Cash dividends to net income (ytd only)* | 31.8066% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9240% | 4,080 |
| Loan loss allowance to noncurrent loans | 116.4751% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 2,098 |
| Noncurrent loans to loans | 0.7933% | 1,535 |
| Net loans and leases to total assets | 47.1885% | 3,806 |
| Net loans and leases to deposits | 51.3955% | 4,026 |
| Net loans and leases to core deposits | 55.5177% | 3,924 |
| Total domestic deposits to total assets | 91.8146% | 164 |
| Equity capital to assets | 7.9205% | 4,575 |
| Core capital (leverage) ratio | 8.3503% | 4,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2202% | 1,896 |
| Memoranda: | ||
| Average total assets | $65,374,000 | 4,476 |
| Average earning assets | $56,376,667 | 4,516 |
| Average equity | $5,369,000 | 4,689 |
| Average total loans | $31,427,667 | 4,442 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0549% | 3,979 |
| Cost of funding earning assets | 0.2804% | 3,185 |
| Net interest margin | 2.7745% | 3,822 |
| Noninterest income to average assets | 0.8501% | 1,459 |
| Noninterest expense to average assets | 1.7379% | 4,308 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4798% | 1,379 |
| Return on assets (ROA) | 1.4798% | 1,441 |
| Pretax return on assets | 1.4798% | 2,051 |
| Return on Equity (ROE) | 17.6758% | 762 |
| Retained earnings to average equity (ytd only) | 17.6758% | 379 |
| Net charge-offs to loans | -0.0521% | 4,412 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0117% | 3,776 |
| Assets per employee ($millions) | 6.3636% | 2,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 3,742 |
| Loan loss allowance to noncurrent loans | 130.2128% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.6427% | 1,475 |
| Noncurrent loans to loans | 0.7879% | 1,674 |
| Net loans and leases to total assets | 46.3888% | 3,934 |
| Net loans and leases to deposits | 50.7967% | 4,118 |
| Net loans and leases to core deposits | 55.2705% | 4,025 |
| Total domestic deposits to total assets | 91.3225% | 289 |
| Equity capital to assets | 8.5109% | 4,108 |
| Core capital (leverage) ratio | 8.6734% | 3,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3725% | 1,451 |
| Memoranda: | ||
| Average total assets | $63,524,000 | 4,513 |
| Average earning assets | $54,207,500 | 4,558 |
| Average equity | $5,318,000 | 4,714 |
| Average total loans | $30,692,000 | 4,477 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9813% | 2,789 |
| Cost of funding earning assets | 0.4860% | 3,038 |
| Net interest margin | 3.4952% | 2,494 |
| Noninterest income to average assets | 0.1057% | 4,727 |
| Noninterest expense to average assets | 2.1871% | 3,698 |
| Loan and lease loss provision to assets | 0.0387% | 3,926 |
| Net operating income to assets | 1.1217% | 1,828 |
| Return on assets (ROA) | 1.1446% | 1,871 |
| Pretax return on assets | 1.1446% | 2,531 |
| Return on Equity (ROE) | 12.3111% | 1,230 |
| Retained earnings to average equity (ytd only) | 1.8940% | 3,872 |
| Net charge-offs to loans | 0.0572% | 1,960 |
| Credit loss provision to net charge-offs | 110.0000% | 2,724 |
| Earnings coverage of net charge-offs (x) | 32.9500% | 1,536 |
| Efficiency ratio | 65.3340% | 2,630 |
| Assets per employee ($millions) | 6.3412% | 2,053 |
| Cash dividends to net income (ytd only)* | 84.6154% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9570% | 4,012 |
| Loan loss allowance to noncurrent loans | 189.9371% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.5251% | 1,975 |
| Noncurrent loans to loans | 0.5038% | 2,462 |
| Net loans and leases to total assets | 49.2904% | 3,878 |
| Net loans and leases to deposits | 53.7433% | 4,124 |
| Net loans and leases to core deposits | 58.4541% | 4,026 |
| Total domestic deposits to total assets | 91.7145% | 100 |
| Equity capital to assets | 8.2319% | 4,609 |
| Core capital (leverage) ratio | 8.3715% | 4,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,788,000 | 4,557 |
| Average earning assets | $52,671,800 | 4,547 |
| Average equity | $5,279,800 | 4,720 |
| Average total loans | $34,957,400 | 4,406 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1323% | 2,581 |
| Cost of funding earning assets | 0.5037% | 3,199 |
| Net interest margin | 3.6285% | 2,166 |
| Noninterest income to average assets | 0.1088% | 4,727 |
| Noninterest expense to average assets | 2.2926% | 3,441 |
| Loan and lease loss provision to assets | 0.0526% | 3,694 |
| Net operating income to assets | 1.1947% | 1,655 |
| Return on assets (ROA) | 1.2140% | 1,721 |
| Pretax return on assets | 1.2140% | 2,350 |
| Return on Equity (ROE) | 12.6411% | 1,206 |
| Retained earnings to average equity (ytd only) | 6.3458% | 1,949 |
| Net charge-offs to loans | 0.0261% | 2,313 |
| Credit loss provision to net charge-offs | 314.2857% | 1,720 |
| Earnings coverage of net charge-offs (x) | 73.7143% | 964 |
| Efficiency ratio | 64.7541% | 2,632 |
| Assets per employee ($millions) | 5.7694% | 2,482 |
| Cash dividends to net income (ytd only)* | 49.8008% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8921% | 4,098 |
| Loan loss allowance to noncurrent loans | 152.9126% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.6586% | 1,757 |
| Noncurrent loans to loans | 0.5834% | 2,339 |
| Net loans and leases to total assets | 60.6562% | 3,146 |
| Net loans and leases to deposits | 67.2154% | 3,533 |
| Net loans and leases to core deposits | 73.8634% | 3,328 |
| Total domestic deposits to total assets | 90.2416% | 350 |
| Equity capital to assets | 9.2991% | 3,860 |
| Core capital (leverage) ratio | 9.3391% | 3,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2384% | 1,753 |
| Memoranda: | ||
| Average total assets | $55,132,000 | 4,605 |
| Average earning assets | $52,141,250 | 4,574 |
| Average equity | $5,294,750 | 4,743 |
| Average total loans | $35,807,250 | 4,420 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1626% | 2,872 |
| Cost of funding earning assets | 0.5443% | 3,270 |
| Net interest margin | 3.6183% | 2,423 |
| Noninterest income to average assets | 0.1179% | 4,709 |
| Noninterest expense to average assets | 2.2587% | 3,628 |
| Loan and lease loss provision to assets | 0.0811% | 3,270 |
| Net operating income to assets | 1.2565% | 1,473 |
| Return on assets (ROA) | 1.2860% | 1,510 |
| Pretax return on assets | 1.2860% | 2,083 |
| Return on Equity (ROE) | 13.2414% | 1,045 |
| Retained earnings to average equity (ytd only) | 8.4988% | 1,159 |
| Net charge-offs to loans | 0.0389% | 1,964 |
| Credit loss provision to net charge-offs | 314.2857% | 1,579 |
| Earnings coverage of net charge-offs (x) | 51.8571% | 1,075 |
| Efficiency ratio | 62.8074% | 2,988 |
| Assets per employee ($millions) | 5.5816% | 2,563 |
| Cash dividends to net income (ytd only)* | 35.8166% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8671% | 4,131 |
| Loan loss allowance to noncurrent loans | 4,500.0000% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.3243% | 3,015 |
| Noncurrent loans to loans | 0.0193% | 4,422 |
| Net loans and leases to total assets | 64.5173% | 2,817 |
| Net loans and leases to deposits | 71.6380% | 3,295 |
| Net loans and leases to core deposits | 78.6971% | 3,053 |
| Total domestic deposits to total assets | 90.0602% | 387 |
| Equity capital to assets | 9.5958% | 3,568 |
| Core capital (leverage) ratio | 9.4909% | 3,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,278,000 | 4,629 |
| Average earning assets | $52,179,000 | 4,589 |
| Average equity | $5,271,333 | 4,771 |
| Average total loans | $35,973,000 | 4,429 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2550% | 3,053 |
| Cost of funding earning assets | 0.5777% | 3,548 |
| Net interest margin | 3.6772% | 2,410 |
| Noninterest income to average assets | 0.1047% | 4,807 |
| Noninterest expense to average assets | 2.1006% | 4,214 |
| Loan and lease loss provision to assets | 0.0748% | 2,804 |
| Net operating income to assets | 1.4502% | 881 |
| Return on assets (ROA) | 1.5100% | 835 |
| Pretax return on assets | 1.5100% | 1,280 |
| Return on Equity (ROE) | 15.4523% | 492 |
| Retained earnings to average equity (ytd only) | 15.4523% | 166 |
| Net charge-offs to loans | 0.0782% | 1,242 |
| Credit loss provision to net charge-offs | 142.8571% | 1,608 |
| Earnings coverage of net charge-offs (x) | 29.1429% | 1,200 |
| Efficiency ratio | 57.9381% | 4,007 |
| Assets per employee ($millions) | 5.4650% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8792% | 4,189 |
| Loan loss allowance to noncurrent loans | 415.0685% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.4520% | 2,660 |
| Noncurrent loans to loans | 0.2118% | 3,714 |
| Net loans and leases to total assets | 62.5050% | 3,246 |
| Net loans and leases to deposits | 69.4613% | 3,635 |
| Net loans and leases to core deposits | 78.2279% | 3,340 |
| Total domestic deposits to total assets | 89.9854% | 327 |
| Equity capital to assets | 9.7676% | 3,985 |
| Core capital (leverage) ratio | 9.9600% | 3,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5663% | 1,734 |
| Memoranda: | ||
| Average total assets | $53,509,000 | 4,654 |
| Average earning assets | $51,234,000 | 4,616 |
| Average equity | $5,229,000 | 4,811 |
| Average total loans | $35,796,500 | 4,456 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7413% | 2,207 |
| Cost of funding earning assets | 0.5536% | 3,854 |
| Net interest margin | 4.1877% | 1,345 |
| Noninterest income to average assets | 0.1620% | 4,681 |
| Noninterest expense to average assets | 2.6783% | 2,947 |
| Loan and lease loss provision to assets | 0.1012% | 2,033 |
| Net operating income to assets | 1.3948% | 1,356 |
| Return on assets (ROA) | 1.3989% | 1,417 |
| Pretax return on assets | 1.3989% | 2,164 |
| Return on Equity (ROE) | 13.4472% | 1,035 |
| Retained earnings to average equity (ytd only) | 2.7439% | 3,666 |
| Net charge-offs to loans | 0.0418% | 2,555 |
| Credit loss provision to net charge-offs | 333.3333% | 831 |
| Earnings coverage of net charge-offs (x) | 49.2667% | 1,140 |
| Efficiency ratio | 64.1610% | 3,052 |
| Assets per employee ($millions) | 5.2368% | 2,304 |
| Cash dividends to net income (ytd only)* | 79.5948% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8080% | 4,283 |
| Loan loss allowance to noncurrent loans | 15,000.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 3,074 |
| Noncurrent loans to loans | 0.0054% | 4,580 |
| Net loans and leases to total assets | 70.3311% | 2,340 |
| Net loans and leases to deposits | 78.0219% | 3,001 |
| Net loans and leases to core deposits | 86.9599% | 2,714 |
| Total domestic deposits to total assets | 90.1428% | 278 |
| Equity capital to assets | 9.7770% | 4,127 |
| Core capital (leverage) ratio | 9.5523% | 4,008 |
| Tier 1 risk-based capital ratio | 13.8448% | 3,344 |
| Total risk-based capital ratio | 14.6556% | 3,459 |
| Memoranda: | ||
| Average total assets | $49,396,800 | 4,763 |
| Average earning assets | $47,328,600 | 4,725 |
| Average equity | $5,138,600 | 4,866 |
| Average total loans | $35,884,600 | 4,506 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6945% | 2,434 |
| Cost of funding earning assets | 0.5457% | 3,955 |
| Net interest margin | 4.1487% | 1,504 |
| Noninterest income to average assets | 0.1589% | 4,754 |
| Noninterest expense to average assets | 2.4937% | 3,453 |
| Loan and lease loss provision to assets | 0.1233% | 1,585 |
| Net operating income to assets | 1.5209% | 1,134 |
| Return on assets (ROA) | 1.5264% | 1,173 |
| Pretax return on assets | 1.5264% | 1,886 |
| Return on Equity (ROE) | 14.4393% | 900 |
| Retained earnings to average equity (ytd only) | 7.9584% | 1,419 |
| Net charge-offs to loans | 0.0750% | 1,749 |
| Credit loss provision to net charge-offs | 225.0000% | 1,193 |
| Earnings coverage of net charge-offs (x) | 29.9955% | 1,624 |
| Efficiency ratio | 60.2649% | 3,589 |
| Assets per employee ($millions) | 4.9880% | 2,575 |
| Cash dividends to net income (ytd only)* | 44.8839% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7548% | 4,532 |
| Loan loss allowance to noncurrent loans | 743.5897% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.4270% | 2,795 |
| Noncurrent loans to loans | 0.1015% | 4,191 |
| Net loans and leases to total assets | 76.4415% | 1,409 |
| Net loans and leases to deposits | 86.0564% | 2,181 |
| Net loans and leases to core deposits | 96.0912% | 1,984 |
| Total domestic deposits to total assets | 88.8272% | 680 |
| Equity capital to assets | 10.6055% | 3,463 |
| Core capital (leverage) ratio | 10.8272% | 2,809 |
| Tier 1 risk-based capital ratio | 14.0683% | 3,292 |
| Total risk-based capital ratio | 14.8398% | 3,440 |
| Memoranda: | ||
| Average total assets | $48,654,000 | 4,838 |
| Average earning assets | $46,663,500 | 4,804 |
| Average equity | $5,143,250 | 4,932 |
| Average total loans | $35,573,000 | 4,575 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6123% | 2,639 |
| Cost of funding earning assets | 0.5226% | 4,019 |
| Net interest margin | 4.0897% | 1,638 |
| Noninterest income to average assets | 0.1534% | 4,811 |
| Noninterest expense to average assets | 2.4002% | 3,732 |
| Loan and lease loss provision to assets | 0.1244% | 1,495 |
| Net operating income to assets | 1.5546% | 1,004 |
| Return on assets (ROA) | 1.5546% | 1,044 |
| Pretax return on assets | 1.5546% | 1,681 |
| Return on Equity (ROE) | 14.7223% | 817 |
| Retained earnings to average equity (ytd only) | 8.8334% | 1,084 |
| Net charge-offs to loans | 0.0462% | 1,988 |
| Credit loss provision to net charge-offs | 375.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 50.6250% | 1,082 |
| Efficiency ratio | 58.8415% | 3,886 |
| Assets per employee ($millions) | 4.7187% | 2,849 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8077% | 4,416 |
| Loan loss allowance to noncurrent loans | 2,609.0909% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.3921% | 2,935 |
| Noncurrent loans to loans | 0.0310% | 4,562 |
| Net loans and leases to total assets | 74.6901% | 1,768 |
| Net loans and leases to deposits | 84.3259% | 2,457 |
| Net loans and leases to core deposits | 93.6444% | 2,271 |
| Total domestic deposits to total assets | 88.5731% | 844 |
| Equity capital to assets | 11.0369% | 3,006 |
| Core capital (leverage) ratio | 10.8630% | 2,728 |
| Tier 1 risk-based capital ratio | 14.4639% | 3,082 |
| Total risk-based capital ratio | 15.2613% | 3,225 |
| Memoranda: | ||
| Average total assets | $48,245,330 | 4,885 |
| Average earning assets | $46,311,000 | 4,847 |
| Average equity | $5,094,330 | 4,973 |
| Average total loans | $34,624,330 | 4,637 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5026% | 2,855 |
| Cost of funding earning assets | 0.4889% | 4,114 |
| Net interest margin | 4.0138% | 1,811 |
| Noninterest income to average assets | 0.1394% | 4,900 |
| Noninterest expense to average assets | 2.1815% | 4,310 |
| Loan and lease loss provision to assets | 0.0820% | 2,059 |
| Net operating income to assets | 1.7140% | 710 |
| Return on assets (ROA) | 1.7140% | 736 |
| Pretax return on assets | 1.7140% | 1,177 |
| Return on Equity (ROE) | 16.5955% | 518 |
| Retained earnings to average equity (ytd only) | 16.5955% | 197 |
| Net charge-offs to loans | 0.0819% | 1,272 |
| Credit loss provision to net charge-offs | 142.8571% | 1,276 |
| Earnings coverage of net charge-offs (x) | 31.2857% | 1,308 |
| Efficiency ratio | 54.8454% | 4,452 |
| Assets per employee ($millions) | 4.7594% | 2,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8193% | 4,463 |
| Loan loss allowance to noncurrent loans | 125.2336% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 2,798 |
| Noncurrent loans to loans | 0.6542% | 2,380 |
| Net loans and leases to total assets | 68.1683% | 2,740 |
| Net loans and leases to deposits | 76.6744% | 3,199 |
| Net loans and leases to core deposits | 85.0031% | 2,955 |
| Total domestic deposits to total assets | 88.9062% | 902 |
| Equity capital to assets | 10.8417% | 3,006 |
| Core capital (leverage) ratio | 10.6305% | 2,913 |
| Tier 1 risk-based capital ratio | 15.3416% | 2,728 |
| Total risk-based capital ratio | 16.1337% | 2,858 |
| Memoranda: | ||
| Average total assets | $48,774,500 | 4,924 |
| Average earning assets | $46,639,500 | 4,895 |
| Average equity | $5,037,500 | 5,021 |
| Average total loans | $34,171,000 | 4,698 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2085% | 3,423 |
| Cost of funding earning assets | 0.3459% | 4,307 |
| Net interest margin | 3.8626% | 2,459 |
| Noninterest income to average assets | 0.2202% | 4,600 |
| Noninterest expense to average assets | 2.4413% | 3,767 |
| Loan and lease loss provision to assets | 0.0885% | 2,376 |
| Net operating income to assets | 1.3563% | 1,593 |
| Return on assets (ROA) | 1.3563% | 1,581 |
| Pretax return on assets | 1.3563% | 2,290 |
| Return on Equity (ROE) | 14.1382% | 1,015 |
| Retained earnings to average equity (ytd only) | 3.8931% | 3,438 |
| Net charge-offs to loans | 0.1457% | 1,313 |
| Credit loss provision to net charge-offs | 91.8367% | 2,695 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 2,349 |
| Efficiency ratio | 62.8225% | 3,380 |
| Assets per employee ($millions) | 4.9955% | 2,510 |
| Cash dividends to net income (ytd only)* | 72.4638% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7438% | 4,697 |
| Loan loss allowance to noncurrent loans | 142.4731% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.3723% | 3,063 |
| Noncurrent loans to loans | 0.5220% | 2,708 |
| Net loans and leases to total assets | 70.7937% | 2,444 |
| Net loans and leases to deposits | 78.5644% | 3,101 |
| Net loans and leases to core deposits | 86.4966% | 2,876 |
| Total domestic deposits to total assets | 90.1091% | 438 |
| Equity capital to assets | 9.8389% | 3,827 |
| Core capital (leverage) ratio | 9.7805% | 3,823 |
| Tier 1 risk-based capital ratio | 13.9834% | 3,294 |
| Total risk-based capital ratio | 14.7272% | 3,465 |
| Memoranda: | ||
| Average total assets | $50,873,800 | 4,920 |
| Average earning assets | $48,283,600 | 4,888 |
| Average equity | $4,880,400 | 5,065 |
| Average total loans | $33,627,600 | 4,731 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0804% | 3,699 |
| Cost of funding earning assets | 0.3217% | 4,370 |
| Net interest margin | 3.7587% | 2,796 |
| Noninterest income to average assets | 0.2165% | 4,672 |
| Noninterest expense to average assets | 2.2125% | 4,293 |
| Loan and lease loss provision to assets | 0.0913% | 2,151 |
| Net operating income to assets | 1.4793% | 1,248 |
| Return on assets (ROA) | 1.4793% | 1,246 |
| Pretax return on assets | 1.4793% | 1,972 |
| Return on Equity (ROE) | 15.5176% | 780 |
| Retained earnings to average equity (ytd only) | 9.3599% | 1,090 |
| Net charge-offs to loans | 0.1530% | 1,076 |
| Credit loss provision to net charge-offs | 92.1053% | 2,400 |
| Earnings coverage of net charge-offs (x) | 15.8407% | 2,197 |
| Efficiency ratio | 58.4828% | 4,044 |
| Assets per employee ($millions) | 4.8422% | 2,666 |
| Cash dividends to net income (ytd only)* | 39.6823% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7460% | 4,764 |
| Loan loss allowance to noncurrent loans | 93.6620% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 0.5865% | 2,423 |
| Noncurrent loans to loans | 0.7965% | 2,115 |
| Net loans and leases to total assets | 73.0845% | 2,153 |
| Net loans and leases to deposits | 81.9740% | 2,821 |
| Net loans and leases to core deposits | 90.7643% | 2,590 |
| Total domestic deposits to total assets | 89.1558% | 792 |
| Equity capital to assets | 10.3197% | 3,308 |
| Core capital (leverage) ratio | 10.5107% | 3,074 |
| Tier 1 risk-based capital ratio | 14.5543% | 3,095 |
| Total risk-based capital ratio | 15.3085% | 3,248 |
| Memoranda: | ||
| Average total assets | $51,103,500 | 4,970 |
| Average earning assets | $48,490,250 | 4,942 |
| Average equity | $4,871,750 | 5,129 |
| Average total loans | $33,127,000 | 4,792 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8794% | 4,131 |
| Cost of funding earning assets | 0.2968% | 4,435 |
| Net interest margin | 3.5825% | 3,378 |
| Noninterest income to average assets | 0.1539% | 5,054 |
| Noninterest expense to average assets | 2.1540% | 4,476 |
| Loan and lease loss provision to assets | 0.0577% | 2,752 |
| Net operating income to assets | 1.3308% | 1,660 |
| Return on assets (ROA) | 1.3308% | 1,666 |
| Pretax return on assets | 1.3308% | 2,390 |
| Return on Equity (ROE) | 14.3271% | 1,001 |
| Retained earnings to average equity (ytd only) | 9.1511% | 1,166 |
| Net charge-offs to loans | 0.1239% | 1,190 |
| Credit loss provision to net charge-offs | 75.0000% | 2,304 |
| Earnings coverage of net charge-offs (x) | 18.0500% | 1,925 |
| Efficiency ratio | 60.8035% | 3,795 |
| Assets per employee ($millions) | 4.9610% | 2,471 |
| Cash dividends to net income (ytd only)* | 36.1272% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7762% | 4,764 |
| Loan loss allowance to noncurrent loans | 111.8644% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.4757% | 2,854 |
| Noncurrent loans to loans | 0.6939% | 2,373 |
| Net loans and leases to total assets | 68.0286% | 2,865 |
| Net loans and leases to deposits | 75.7519% | 3,362 |
| Net loans and leases to core deposits | 79.6399% | 3,450 |
| Total domestic deposits to total assets | 89.8045% | 632 |
| Equity capital to assets | 9.8770% | 3,742 |
| Core capital (leverage) ratio | 10.4021% | 3,137 |
| Tier 1 risk-based capital ratio | 14.9054% | 2,918 |
| Total risk-based capital ratio | 15.6904% | 3,060 |
| Memoranda: | ||
| Average total assets | $51,997,330 | 5,013 |
| Average earning assets | $49,183,330 | 4,980 |
| Average equity | $4,830,000 | 5,187 |
| Average total loans | $32,284,330 | 4,864 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6738% | 4,528 |
| Cost of funding earning assets | 0.2844% | 4,464 |
| Net interest margin | 3.3894% | 3,918 |
| Noninterest income to average assets | 0.1730% | 4,986 |
| Noninterest expense to average assets | 2.1056% | 4,647 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2935% | 1,663 |
| Return on assets (ROA) | 1.2935% | 1,667 |
| Pretax return on assets | 1.2935% | 2,392 |
| Return on Equity (ROE) | 14.3483% | 938 |
| Retained earnings to average equity (ytd only) | 14.3483% | 382 |
| Net charge-offs to loans | 0.0509% | 1,589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,028 |
| Efficiency ratio | 61.9469% | 3,796 |
| Assets per employee ($millions) | 4.8763% | 2,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 4,483 |
| Loan loss allowance to noncurrent loans | 129.9020% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.4183% | 3,159 |
| Noncurrent loans to loans | 0.6861% | 2,492 |
| Net loans and leases to total assets | 60.4352% | 3,707 |
| Net loans and leases to deposits | 67.2923% | 3,998 |
| Net loans and leases to core deposits | 70.7954% | 4,039 |
| Total domestic deposits to total assets | 89.8099% | 734 |
| Equity capital to assets | 9.9830% | 3,614 |
| Core capital (leverage) ratio | 10.0575% | 3,463 |
| Tier 1 risk-based capital ratio | 16.0986% | 2,423 |
| Total risk-based capital ratio | 16.9580% | 2,540 |
| Memoranda: | ||
| Average total assets | $53,191,000 | 5,055 |
| Average earning assets | $50,628,500 | 5,014 |
| Average equity | $4,795,000 | 5,246 |
| Average total loans | $31,420,000 | 4,939 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0224% | 3,330 |
| Cost of funding earning assets | 0.2458% | 4,605 |
| Net interest margin | 3.7766% | 2,514 |
| Noninterest income to average assets | 0.1727% | 5,092 |
| Noninterest expense to average assets | 2.4601% | 3,913 |
| Loan and lease loss provision to assets | 0.0914% | 2,369 |
| Net operating income to assets | 1.2108% | 1,486 |
| Return on assets (ROA) | 1.2108% | 1,514 |
| Pretax return on assets | 1.2108% | 2,730 |
| Return on Equity (ROE) | 12.4493% | 1,092 |
| Retained earnings to average equity (ytd only) | 2.0053% | 4,118 |
| Net charge-offs to loans | 0.0980% | 2,100 |
| Credit loss provision to net charge-offs | 145.1613% | 1,829 |
| Earnings coverage of net charge-offs (x) | 20.6774% | 1,954 |
| Efficiency ratio | 65.3888% | 3,366 |
| Assets per employee ($millions) | 5.7619% | 1,697 |
| Cash dividends to net income (ytd only)* | 83.8926% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8126% | 4,787 |
| Loan loss allowance to noncurrent loans | 896.6667% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 4,871 |
| Noncurrent loans to loans | 0.0906% | 4,586 |
| Net loans and leases to total assets | 56.9881% | 4,114 |
| Net loans and leases to deposits | 62.0859% | 4,446 |
| Net loans and leases to core deposits | 65.1353% | 4,467 |
| Total domestic deposits to total assets | 91.7892% | 98 |
| Equity capital to assets | 8.1952% | 5,304 |
| Core capital (leverage) ratio | 8.3527% | 5,254 |
| Tier 1 risk-based capital ratio | 13.9205% | 3,404 |
| Total risk-based capital ratio | 14.7020% | 3,563 |
| Memoranda: | ||
| Average total assets | $49,225,600 | 5,172 |
| Average earning assets | $46,788,000 | 5,132 |
| Average equity | $4,787,400 | 5,308 |
| Average total loans | $31,629,000 | 4,980 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0858% | 3,034 |
| Cost of funding earning assets | 0.2500% | 4,567 |
| Net interest margin | 3.8359% | 2,259 |
| Noninterest income to average assets | 0.1698% | 5,172 |
| Noninterest expense to average assets | 2.2067% | 4,512 |
| Loan and lease loss provision to assets | 0.1273% | 1,698 |
| Net operating income to assets | 1.4825% | 929 |
| Return on assets (ROA) | 1.4825% | 949 |
| Pretax return on assets | 1.4825% | 1,833 |
| Return on Equity (ROE) | 14.5438% | 729 |
| Retained earnings to average equity (ytd only) | 8.2989% | 1,094 |
| Net charge-offs to loans | 0.1194% | 1,596 |
| Credit loss provision to net charge-offs | 160.7143% | 1,595 |
| Earnings coverage of net charge-offs (x) | 20.3228% | 1,960 |
| Efficiency ratio | 57.8206% | 4,530 |
| Assets per employee ($millions) | 4.6954% | 2,841 |
| Cash dividends to net income (ytd only)* | 42.9385% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7818% | 4,942 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 5,064 |
| Noncurrent loans to loans | 0.0460% | 4,907 |
| Net loans and leases to total assets | 73.5166% | 1,996 |
| Net loans and leases to deposits | 82.5794% | 2,713 |
| Net loans and leases to core deposits | 87.8883% | 2,782 |
| Total domestic deposits to total assets | 89.0254% | 872 |
| Equity capital to assets | 10.5380% | 3,332 |
| Core capital (leverage) ratio | 10.1789% | 3,340 |
| Tier 1 risk-based capital ratio | 14.8936% | 2,961 |
| Total risk-based capital ratio | 15.7046% | 3,124 |
| Memoranda: | ||
| Average total assets | $47,127,250 | 5,265 |
| Average earning assets | $44,804,000 | 5,232 |
| Average equity | $4,803,750 | 5,363 |
| Average total loans | $31,260,000 | 5,039 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9321% | 3,444 |
| Cost of funding earning assets | 0.2318% | 4,698 |
| Net interest margin | 3.7003% | 2,660 |
| Noninterest income to average assets | 0.1695% | 5,203 |
| Noninterest expense to average assets | 2.2168% | 4,532 |
| Loan and lease loss provision to assets | 0.1907% | 974 |
| Net operating income to assets | 1.2801% | 1,356 |
| Return on assets (ROA) | 1.2801% | 1,382 |
| Pretax return on assets | 1.2801% | 2,461 |
| Return on Equity (ROE) | 12.7006% | 1,112 |
| Retained earnings to average equity (ytd only) | 7.4437% | 1,377 |
| Net charge-offs to loans | 0.2327% | 877 |
| Credit loss provision to net charge-offs | 128.5714% | 1,695 |
| Earnings coverage of net charge-offs (x) | 9.9143% | 2,388 |
| Efficiency ratio | 60.1149% | 4,302 |
| Assets per employee ($millions) | 4.5966% | 2,953 |
| Cash dividends to net income (ytd only)* | 41.3907% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8206% | 4,893 |
| Loan loss allowance to noncurrent loans | 196.2963% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 3,959 |
| Noncurrent loans to loans | 0.4180% | 3,523 |
| Net loans and leases to total assets | 69.6798% | 2,572 |
| Net loans and leases to deposits | 78.1005% | 3,111 |
| Net loans and leases to core deposits | 83.2614% | 3,148 |
| Total domestic deposits to total assets | 89.2181% | 850 |
| Equity capital to assets | 10.4969% | 3,347 |
| Core capital (leverage) ratio | 10.4591% | 2,964 |
| Tier 1 risk-based capital ratio | 15.1110% | 2,880 |
| Total risk-based capital ratio | 15.9328% | 2,995 |
| Memoranda: | ||
| Average total assets | $47,185,000 | 5,303 |
| Average earning assets | $44,861,670 | 5,270 |
| Average equity | $4,755,670 | 5,408 |
| Average total loans | $30,083,000 | 5,109 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7789% | 3,835 |
| Cost of funding earning assets | 0.2218% | 4,785 |
| Net interest margin | 3.5571% | 3,053 |
| Noninterest income to average assets | 0.1674% | 5,272 |
| Noninterest expense to average assets | 2.0086% | 5,035 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5148% | 787 |
| Return on assets (ROA) | 1.5148% | 816 |
| Pretax return on assets | 1.5148% | 1,490 |
| Return on Equity (ROE) | 15.3357% | 607 |
| Retained earnings to average equity (ytd only) | 15.3357% | 219 |
| Net charge-offs to loans | 0.4417% | 415 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 5.6563% | 2,270 |
| Efficiency ratio | 57.0071% | 4,833 |
| Assets per employee ($millions) | 4.6818% | 2,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7960% | 5,078 |
| Loan loss allowance to noncurrent loans | 144.8052% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.3289% | 3,880 |
| Noncurrent loans to loans | 0.5497% | 3,166 |
| Net loans and leases to total assets | 59.3596% | 3,849 |
| Net loans and leases to deposits | 66.2953% | 4,148 |
| Net loans and leases to core deposits | 70.4980% | 4,109 |
| Total domestic deposits to total assets | 89.5382% | 876 |
| Equity capital to assets | 10.2845% | 3,422 |
| Core capital (leverage) ratio | 10.2782% | 3,146 |
| Tier 1 risk-based capital ratio | 15.9708% | 2,558 |
| Total risk-based capital ratio | 16.7011% | 2,708 |
| Memoranda: | ||
| Average total assets | $47,794,500 | 5,358 |
| Average earning assets | $45,092,500 | 5,317 |
| Average equity | $4,721,000 | 5,473 |
| Average total loans | $28,977,500 | 5,194 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3198% | 2,078 |
| Cost of funding earning assets | 0.2520% | 4,548 |
| Net interest margin | 4.0678% | 1,451 |
| Noninterest income to average assets | 0.2015% | 5,209 |
| Noninterest expense to average assets | 2.5511% | 3,837 |
| Loan and lease loss provision to assets | 0.1779% | 1,355 |
| Net operating income to assets | 1.1405% | 1,728 |
| Return on assets (ROA) | 1.2069% | 1,569 |
| Pretax return on assets | 1.2069% | 2,633 |
| Return on Equity (ROE) | 11.8721% | 1,281 |
| Retained earnings to average equity (ytd only) | 1.8557% | 4,477 |
| Net charge-offs to loans | 0.1419% | 1,844 |
| Credit loss provision to net charge-offs | 184.4444% | 1,528 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 2,351 |
| Efficiency ratio | 65.9280% | 3,599 |
| Assets per employee ($millions) | 4.8771% | 2,537 |
| Cash dividends to net income (ytd only)* | 84.3694% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8517% | 4,955 |
| Loan loss allowance to noncurrent loans | 188.8889% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 4,169 |
| Noncurrent loans to loans | 0.4509% | 3,534 |
| Net loans and leases to total assets | 60.8681% | 3,752 |
| Net loans and leases to deposits | 67.2618% | 4,149 |
| Net loans and leases to core deposits | 70.2029% | 4,224 |
| Total domestic deposits to total assets | 90.4944% | 453 |
| Equity capital to assets | 9.4872% | 4,283 |
| Core capital (leverage) ratio | 9.5333% | 4,037 |
| Tier 1 risk-based capital ratio | 14.6516% | 3,122 |
| Total risk-based capital ratio | 15.4473% | 3,277 |
| Memoranda: | ||
| Average total assets | $46,647,400 | 5,412 |
| Average earning assets | $42,062,200 | 5,419 |
| Average equity | $4,742,200 | 5,517 |
| Average total loans | $31,718,400 | 5,143 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4079% | 1,839 |
| Cost of funding earning assets | 0.2549% | 4,562 |
| Net interest margin | 4.1530% | 1,242 |
| Noninterest income to average assets | 0.1677% | 5,427 |
| Noninterest expense to average assets | 2.3418% | 4,428 |
| Loan and lease loss provision to assets | 0.2400% | 800 |
| Net operating income to assets | 1.3068% | 1,271 |
| Return on assets (ROA) | 1.3820% | 1,161 |
| Pretax return on assets | 1.3820% | 2,119 |
| Return on Equity (ROE) | 13.3582% | 958 |
| Retained earnings to average equity (ytd only) | 7.7690% | 1,270 |
| Net charge-offs to loans | 0.1575% | 1,434 |
| Credit loss provision to net charge-offs | 218.4211% | 1,348 |
| Earnings coverage of net charge-offs (x) | 14.0778% | 2,260 |
| Efficiency ratio | 60.2230% | 4,510 |
| Assets per employee ($millions) | 4.4787% | 3,121 |
| Cash dividends to net income (ytd only)* | 41.8408% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7857% | 5,229 |
| Loan loss allowance to noncurrent loans | 118.0180% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.4957% | 3,464 |
| Noncurrent loans to loans | 0.6657% | 3,038 |
| Net loans and leases to total assets | 73.8696% | 1,889 |
| Net loans and leases to deposits | 83.3497% | 2,565 |
| Net loans and leases to core deposits | 88.1206% | 2,747 |
| Total domestic deposits to total assets | 88.6262% | 1,089 |
| Equity capital to assets | 10.9206% | 3,100 |
| Core capital (leverage) ratio | 10.5776% | 2,904 |
| Tier 1 risk-based capital ratio | 14.7240% | 3,178 |
| Total risk-based capital ratio | 15.5135% | 3,347 |
| Memoranda: | ||
| Average total assets | $46,116,500 | 5,474 |
| Average earning assets | $41,318,500 | 5,491 |
| Average equity | $4,771,000 | 5,566 |
| Average total loans | $32,162,750 | 5,173 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3145% | 2,109 |
| Cost of funding earning assets | 0.2400% | 4,755 |
| Net interest margin | 4.0745% | 1,435 |
| Noninterest income to average assets | 0.1804% | 5,413 |
| Noninterest expense to average assets | 2.3239% | 4,542 |
| Loan and lease loss provision to assets | 0.3565% | 455 |
| Net operating income to assets | 1.1469% | 1,785 |
| Return on assets (ROA) | 1.2586% | 1,514 |
| Pretax return on assets | 1.2586% | 2,570 |
| Return on Equity (ROE) | 12.3864% | 1,189 |
| Retained earnings to average equity (ytd only) | 8.1590% | 1,125 |
| Net charge-offs to loans | 0.1574% | 1,387 |
| Credit loss provision to net charge-offs | 332.0000% | 896 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 2,086 |
| Efficiency ratio | 60.7183% | 4,549 |
| Assets per employee ($millions) | 4.6307% | 2,821 |
| Cash dividends to net income (ytd only)* | 34.1297% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8436% | 5,151 |
| Loan loss allowance to noncurrent loans | 79.1908% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 2,732 |
| Noncurrent loans to loans | 1.0652% | 2,160 |
| Net loans and leases to total assets | 69.5510% | 2,541 |
| Net loans and leases to deposits | 77.8530% | 3,174 |
| Net loans and leases to core deposits | 80.2287% | 3,440 |
| Total domestic deposits to total assets | 89.3364% | 748 |
| Equity capital to assets | 10.3872% | 3,751 |
| Core capital (leverage) ratio | 10.1740% | 3,360 |
| Tier 1 risk-based capital ratio | 14.2929% | 3,441 |
| Total risk-based capital ratio | 15.1087% | 3,606 |
| Memoranda: | ||
| Average total assets | $46,559,670 | 5,529 |
| Average earning assets | $41,673,670 | 5,547 |
| Average equity | $4,731,000 | 5,631 |
| Average total loans | $31,768,330 | 5,238 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3600% | 1,935 |
| Cost of funding earning assets | 0.2519% | 4,686 |
| Net interest margin | 4.1081% | 1,318 |
| Noninterest income to average assets | 0.1028% | 5,814 |
| Noninterest expense to average assets | 1.9963% | 5,349 |
| Loan and lease loss provision to assets | 0.4284% | 310 |
| Net operating income to assets | 1.3109% | 1,228 |
| Return on assets (ROA) | 1.4308% | 1,024 |
| Pretax return on assets | 1.4308% | 1,801 |
| Return on Equity (ROE) | 14.2385% | 796 |
| Retained earnings to average equity (ytd only) | 14.2385% | 306 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4404% | 5,433 |
| Assets per employee ($millions) | 4.5938% | 2,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8646% | 5,172 |
| Loan loss allowance to noncurrent loans | 42.2468% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 1.3758% | 1,527 |
| Noncurrent loans to loans | 2.0465% | 1,035 |
| Net loans and leases to total assets | 66.6442% | 2,867 |
| Net loans and leases to deposits | 74.5271% | 3,370 |
| Net loans and leases to core deposits | 76.8063% | 3,602 |
| Total domestic deposits to total assets | 89.4227% | 876 |
| Equity capital to assets | 10.3988% | 3,618 |
| Core capital (leverage) ratio | 10.2366% | 3,277 |
| Tier 1 risk-based capital ratio | 14.3977% | 3,446 |
| Total risk-based capital ratio | 15.2024% | 3,648 |
| Memoranda: | ||
| Average total assets | $46,686,000 | 5,582 |
| Average earning assets | $41,284,500 | 5,608 |
| Average equity | $4,691,500 | 5,684 |
| Average total loans | $31,412,000 | 5,291 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1898% | 2,593 |
| Cost of funding earning assets | 0.2523% | 4,759 |
| Net interest margin | 3.9375% | 1,908 |
| Noninterest income to average assets | 0.2085% | 5,348 |
| Noninterest expense to average assets | 2.4608% | 4,353 |
| Loan and lease loss provision to assets | 0.1668% | 1,376 |
| Net operating income to assets | 1.1929% | 1,575 |
| Return on assets (ROA) | 1.2054% | 1,597 |
| Pretax return on assets | 1.2054% | 2,642 |
| Return on Equity (ROE) | 12.3462% | 1,222 |
| Retained earnings to average equity (ytd only) | 2.2001% | 4,465 |
| Net charge-offs to loans | 0.1180% | 2,190 |
| Credit loss provision to net charge-offs | 222.2222% | 1,275 |
| Earnings coverage of net charge-offs (x) | 18.1111% | 2,029 |
| Efficiency ratio | 64.4105% | 4,182 |
| Assets per employee ($millions) | 4.7434% | 2,674 |
| Cash dividends to net income (ytd only)* | 82.1799% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6794% | 5,671 |
| Loan loss allowance to noncurrent loans | 83.4615% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 0.5481% | 3,460 |
| Noncurrent loans to loans | 0.8140% | 2,747 |
| Net loans and leases to total assets | 66.8824% | 2,863 |
| Net loans and leases to deposits | 74.0909% | 3,483 |
| Net loans and leases to core deposits | 76.2620% | 3,732 |
| Total domestic deposits to total assets | 90.2707% | 514 |
| Equity capital to assets | 9.7103% | 4,288 |
| Core capital (leverage) ratio | 9.4405% | 4,264 |
| Tier 1 risk-based capital ratio | 13.6837% | 3,900 |
| Total risk-based capital ratio | 14.3281% | 4,176 |
| Memoranda: | ||
| Average total assets | $47,951,600 | 5,588 |
| Average earning assets | $43,987,600 | 5,580 |
| Average equity | $4,681,600 | 5,724 |
| Average total loans | $30,514,600 | 5,342 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1130% | 2,890 |
| Cost of funding earning assets | 0.2556% | 4,813 |
| Net interest margin | 3.8574% | 2,164 |
| Noninterest income to average assets | 0.2052% | 5,421 |
| Noninterest expense to average assets | 2.2157% | 5,013 |
| Loan and lease loss provision to assets | 0.1941% | 1,042 |
| Net operating income to assets | 1.3532% | 1,221 |
| Return on assets (ROA) | 1.3699% | 1,232 |
| Pretax return on assets | 1.3699% | 2,136 |
| Return on Equity (ROE) | 14.0123% | 904 |
| Retained earnings to average equity (ytd only) | 8.3393% | 1,117 |
| Net charge-offs to loans | 0.1415% | 1,707 |
| Credit loss provision to net charge-offs | 218.7500% | 1,244 |
| Earnings coverage of net charge-offs (x) | 17.4357% | 2,056 |
| Efficiency ratio | 58.8799% | 5,019 |
| Assets per employee ($millions) | 4.8410% | 2,502 |
| Cash dividends to net income (ytd only)* | 40.4858% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6410% | 5,834 |
| Loan loss allowance to noncurrent loans | 180.3419% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 4,792 |
| Noncurrent loans to loans | 0.3554% | 4,337 |
| Net loans and leases to total assets | 67.5604% | 2,758 |
| Net loans and leases to deposits | 81.0156% | 2,765 |
| Net loans and leases to core deposits | 83.6449% | 3,084 |
| Total domestic deposits to total assets | 83.3919% | 3,659 |
| Equity capital to assets | 9.9938% | 4,156 |
| Core capital (leverage) ratio | 9.9451% | 3,714 |
| Tier 1 risk-based capital ratio | 13.9643% | 3,864 |
| Total risk-based capital ratio | 14.5784% | 4,156 |
| Memoranda: | ||
| Average total assets | $48,081,000 | 5,656 |
| Average earning assets | $44,346,250 | 5,642 |
| Average equity | $4,700,500 | 5,800 |
| Average total loans | $30,157,750 | 5,415 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9466% | 3,505 |
| Cost of funding earning assets | 0.2388% | 5,068 |
| Net interest margin | 3.7078% | 2,676 |
| Noninterest income to average assets | 0.1876% | 5,566 |
| Noninterest expense to average assets | 2.1971% | 5,124 |
| Loan and lease loss provision to assets | 0.1668% | 1,256 |
| Net operating income to assets | 1.2549% | 1,446 |
| Return on assets (ROA) | 1.2549% | 1,503 |
| Pretax return on assets | 1.2549% | 2,527 |
| Return on Equity (ROE) | 12.9332% | 1,127 |
| Retained earnings to average equity (ytd only) | 8.6365% | 1,031 |
| Net charge-offs to loans | 0.1300% | 1,721 |
| Credit loss provision to net charge-offs | 210.5263% | 1,180 |
| Earnings coverage of net charge-offs (x) | 17.9474% | 1,828 |
| Efficiency ratio | 60.7143% | 4,875 |
| Assets per employee ($millions) | 4.8109% | 2,522 |
| Cash dividends to net income (ytd only)* | 33.2226% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6202% | 5,943 |
| Loan loss allowance to noncurrent loans | 148.0916% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.2723% | 4,782 |
| Noncurrent loans to loans | 0.4188% | 4,220 |
| Net loans and leases to total assets | 64.6178% | 3,179 |
| Net loans and leases to deposits | 75.3095% | 3,341 |
| Net loans and leases to core deposits | 77.6981% | 3,611 |
| Total domestic deposits to total assets | 85.8031% | 2,792 |
| Equity capital to assets | 9.7778% | 4,304 |
| Core capital (leverage) ratio | 10.0119% | 3,578 |
| Tier 1 risk-based capital ratio | 14.2029% | 3,813 |
| Total risk-based capital ratio | 14.7885% | 4,127 |
| Memoranda: | ||
| Average total assets | $47,971,330 | 5,722 |
| Average earning assets | $44,392,670 | 5,706 |
| Average equity | $4,654,670 | 5,868 |
| Average total loans | $29,238,000 | 5,505 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8404% | 3,860 |
| Cost of funding earning assets | 0.2524% | 4,995 |
| Net interest margin | 3.5880% | 3,054 |
| Noninterest income to average assets | 0.1670% | 5,730 |
| Noninterest expense to average assets | 1.8037% | 5,893 |
| Loan and lease loss provision to assets | 0.1253% | 1,657 |
| Net operating income to assets | 1.5615% | 764 |
| Return on assets (ROA) | 1.5615% | 804 |
| Pretax return on assets | 1.5615% | 1,365 |
| Return on Equity (ROE) | 16.1555% | 550 |
| Retained earnings to average equity (ytd only) | 16.1555% | 212 |
| Net charge-offs to loans | -0.0567% | 5,579 |
| Credit loss provision to net charge-offs | -375.0000% | 4,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6746% | 5,826 |
| Assets per employee ($millions) | 4.6982% | 2,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7126% | 5,882 |
| Loan loss allowance to noncurrent loans | 51.7520% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 0.7897% | 3,136 |
| Noncurrent loans to loans | 1.3769% | 2,084 |
| Net loans and leases to total assets | 56.9410% | 4,096 |
| Net loans and leases to deposits | 63.4640% | 4,431 |
| Net loans and leases to core deposits | 65.3396% | 4,585 |
| Total domestic deposits to total assets | 89.7216% | 890 |
| Equity capital to assets | 10.0954% | 4,025 |
| Core capital (leverage) ratio | 9.7502% | 3,956 |
| Tier 1 risk-based capital ratio | 15.7258% | 3,048 |
| Total risk-based capital ratio | 16.3694% | 3,290 |
| Memoranda: | ||
| Average total assets | $47,902,500 | 5,775 |
| Average earning assets | $44,370,500 | 5,751 |
| Average equity | $4,630,000 | 5,922 |
| Average total loans | $28,216,500 | 5,583 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4914% | 5,335 |
| Cost of funding earning assets | 0.2360% | 5,461 |
| Net interest margin | 3.2554% | 4,730 |
| Noninterest income to average assets | 0.2036% | 5,642 |
| Noninterest expense to average assets | 2.1826% | 5,383 |
| Loan and lease loss provision to assets | 0.0791% | 2,901 |
| Net operating income to assets | 0.9964% | 2,396 |
| Return on assets (ROA) | 1.0023% | 2,450 |
| Pretax return on assets | 1.0023% | 3,485 |
| Return on Equity (ROE) | 11.4302% | 1,580 |
| Retained earnings to average equity (ytd only) | 1.7360% | 4,951 |
| Net charge-offs to loans | 0.0149% | 4,580 |
| Credit loss provision to net charge-offs | 1,000.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 136.0000% | 393 |
| Efficiency ratio | 66.9903% | 4,060 |
| Assets per employee ($millions) | 4.8823% | 2,483 |
| Cash dividends to net income (ytd only)* | 84.8126% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5867% | 6,157 |
| Loan loss allowance to noncurrent loans | 87.3737% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 0.4055% | 4,475 |
| Noncurrent loans to loans | 0.6714% | 3,668 |
| Net loans and leases to total assets | 60.0455% | 3,787 |
| Net loans and leases to deposits | 66.1940% | 4,300 |
| Net loans and leases to core deposits | 68.0533% | 4,497 |
| Total domestic deposits to total assets | 90.7113% | 459 |
| Equity capital to assets | 9.2518% | 5,004 |
| Core capital (leverage) ratio | 8.1106% | 5,921 |
| Tier 1 risk-based capital ratio | 14.0211% | 4,073 |
| Total risk-based capital ratio | 14.5597% | 4,463 |
| Memoranda: | ||
| Average total assets | $50,582,200 | 5,773 |
| Average earning assets | $47,459,600 | 5,738 |
| Average equity | $4,435,600 | 6,002 |
| Average total loans | $26,818,800 | 5,708 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4590% | 5,473 |
| Cost of funding earning assets | 0.2369% | 5,543 |
| Net interest margin | 3.2220% | 4,884 |
| Noninterest income to average assets | 0.1463% | 6,042 |
| Noninterest expense to average assets | 2.0749% | 5,630 |
| Loan and lease loss provision to assets | 0.0653% | 3,048 |
| Net operating income to assets | 1.0270% | 2,336 |
| Return on assets (ROA) | 1.0270% | 2,394 |
| Pretax return on assets | 1.0270% | 3,482 |
| Return on Equity (ROE) | 11.8677% | 1,511 |
| Retained earnings to average equity (ytd only) | 6.4320% | 2,151 |
| Net charge-offs to loans | 0.0153% | 4,243 |
| Credit loss provision to net charge-offs | 833.3333% | 375 |
| Earnings coverage of net charge-offs (x) | 139.3300% | 436 |
| Efficiency ratio | 65.5116% | 4,296 |
| Assets per employee ($millions) | 5.2675% | 1,936 |
| Cash dividends to net income (ytd only)* | 45.8005% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5548% | 6,279 |
| Loan loss allowance to noncurrent loans | 49.5327% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 0.6094% | 4,012 |
| Noncurrent loans to loans | 1.1200% | 2,819 |
| Net loans and leases to total assets | 54.1092% | 4,564 |
| Net loans and leases to deposits | 59.4845% | 4,989 |
| Net loans and leases to core deposits | 61.0844% | 5,112 |
| Total domestic deposits to total assets | 90.9635% | 376 |
| Equity capital to assets | 8.6569% | 5,675 |
| Core capital (leverage) ratio | 9.6901% | 4,094 |
| Tier 1 risk-based capital ratio | 14.4328% | 3,921 |
| Total risk-based capital ratio | 14.9274% | 4,371 |
| Memoranda: | ||
| Average total assets | $51,022,000 | 5,828 |
| Average earning assets | $47,836,000 | 5,793 |
| Average equity | $4,415,250 | 6,069 |
| Average total loans | $26,151,250 | 5,793 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3989% | 5,619 |
| Cost of funding earning assets | 0.2401% | 5,582 |
| Net interest margin | 3.1589% | 5,065 |
| Noninterest income to average assets | 0.1664% | 5,955 |
| Noninterest expense to average assets | 2.0883% | 5,649 |
| Loan and lease loss provision to assets | 0.0594% | 3,082 |
| Net operating income to assets | 0.9907% | 2,358 |
| Return on assets (ROA) | 0.9907% | 2,438 |
| Pretax return on assets | 0.9907% | 3,513 |
| Return on Equity (ROE) | 11.4495% | 1,587 |
| Retained earnings to average equity (ytd only) | 6.8697% | 1,829 |
| Net charge-offs to loans | -0.0237% | 5,597 |
| Credit loss provision to net charge-offs | -500.0000% | 5,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5404% | 4,276 |
| Assets per employee ($millions) | 4.6995% | 2,609 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5818% | 6,330 |
| Loan loss allowance to noncurrent loans | 83.7838% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 0.3937% | 4,832 |
| Noncurrent loans to loans | 0.6944% | 3,980 |
| Net loans and leases to total assets | 56.3634% | 4,227 |
| Net loans and leases to deposits | 62.5248% | 4,635 |
| Net loans and leases to core deposits | 64.4320% | 4,778 |
| Total domestic deposits to total assets | 90.1458% | 741 |
| Equity capital to assets | 9.5776% | 4,655 |
| Core capital (leverage) ratio | 9.1628% | 4,800 |
| Tier 1 risk-based capital ratio | 15.5689% | 3,319 |
| Total risk-based capital ratio | 16.0962% | 3,661 |
| Memoranda: | ||
| Average total assets | $50,471,000 | 5,892 |
| Average earning assets | $47,485,330 | 5,850 |
| Average equity | $4,367,000 | 6,121 |
| Average total loans | $25,314,670 | 5,866 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1942% | 6,014 |
| Cost of funding earning assets | 0.2345% | 5,715 |
| Net interest margin | 2.9597% | 5,628 |
| Noninterest income to average assets | 0.1609% | 6,009 |
| Noninterest expense to average assets | 1.7698% | 6,256 |
| Loan and lease loss provision to assets | 0.0766% | 2,611 |
| Net operating income to assets | 1.1186% | 1,736 |
| Return on assets (ROA) | 1.1186% | 1,801 |
| Pretax return on assets | 1.1186% | 2,820 |
| Return on Equity (ROE) | 13.5814% | 1,018 |
| Retained earnings to average equity (ytd only) | 13.5814% | 426 |
| Net charge-offs to loans | 0.0325% | 2,940 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 550 |
| Efficiency ratio | 59.6899% | 5,441 |
| Assets per employee ($millions) | 5.1167% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5856% | 6,426 |
| Loan loss allowance to noncurrent loans | 94.1558% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 0.6098% | 4,307 |
| Noncurrent loans to loans | 0.6219% | 4,308 |
| Net loans and leases to total assets | 48.1091% | 5,112 |
| Net loans and leases to deposits | 52.7606% | 5,405 |
| Net loans and leases to core deposits | 53.8172% | 5,513 |
| Total domestic deposits to total assets | 91.1838% | 491 |
| Equity capital to assets | 8.6482% | 5,497 |
| Core capital (leverage) ratio | 8.5032% | 5,640 |
| Tier 1 risk-based capital ratio | 15.7984% | 3,269 |
| Total risk-based capital ratio | 16.2993% | 3,637 |
| Memoranda: | ||
| Average total assets | $52,209,000 | 5,910 |
| Average earning assets | $49,464,500 | 5,855 |
| Average equity | $4,300,000 | 6,186 |
| Average total loans | $24,650,500 | 5,954 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2570% | 6,065 |
| Cost of funding earning assets | 0.2636% | 5,883 |
| Net interest margin | 2.9935% | 5,589 |
| Noninterest income to average assets | 0.1736% | 6,045 |
| Noninterest expense to average assets | 2.0505% | 5,922 |
| Loan and lease loss provision to assets | 0.1049% | 3,044 |
| Net operating income to assets | 0.6657% | 3,957 |
| Return on assets (ROA) | 0.6848% | 3,964 |
| Pretax return on assets | 0.6371% | 4,748 |
| Return on Equity (ROE) | 8.2472% | 2,904 |
| Retained earnings to average equity (ytd only) | 1.5851% | 5,091 |
| Net charge-offs to loans | 0.1847% | 2,993 |
| Credit loss provision to net charge-offs | 127.9070% | 1,839 |
| Earnings coverage of net charge-offs (x) | 8.8140% | 2,602 |
| Efficiency ratio | 73.9340% | 3,136 |
| Assets per employee ($millions) | 5.3251% | 1,820 |
| Cash dividends to net income (ytd only)* | 80.7799% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5583% | 6,517 |
| Loan loss allowance to noncurrent loans | 311.3636% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.3793% | 5,109 |
| Noncurrent loans to loans | 0.1793% | 5,664 |
| Net loans and leases to total assets | 45.8264% | 5,506 |
| Net loans and leases to deposits | 49.7482% | 5,789 |
| Net loans and leases to core deposits | 50.9691% | 5,874 |
| Total domestic deposits to total assets | 92.1166% | 260 |
| Equity capital to assets | 7.8402% | 6,123 |
| Core capital (leverage) ratio | 7.5225% | 6,359 |
| Tier 1 risk-based capital ratio | 15.1818% | 3,555 |
| Total risk-based capital ratio | 15.6516% | 3,959 |
| Memoranda: | ||
| Average total assets | $52,426,600 | 5,955 |
| Average earning assets | $45,532,000 | 6,007 |
| Average equity | $4,353,000 | 6,249 |
| Average total loans | $23,286,400 | 6,069 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3259% | 6,011 |
| Cost of funding earning assets | 0.2704% | 5,958 |
| Net interest margin | 3.0555% | 5,447 |
| Noninterest income to average assets | 0.1506% | 6,282 |
| Noninterest expense to average assets | 1.9762% | 6,051 |
| Loan and lease loss provision to assets | 0.1404% | 2,536 |
| Net operating income to assets | 0.6945% | 3,887 |
| Return on assets (ROA) | 0.7200% | 3,890 |
| Pretax return on assets | 0.6562% | 4,836 |
| Return on Equity (ROE) | 8.5501% | 2,863 |
| Retained earnings to average equity (ytd only) | 3.6989% | 4,067 |
| Net charge-offs to loans | 0.1683% | 2,873 |
| Credit loss provision to net charge-offs | 189.6552% | 1,274 |
| Earnings coverage of net charge-offs (x) | 10.4127% | 2,361 |
| Efficiency ratio | 71.9331% | 3,415 |
| Assets per employee ($millions) | 5.3515% | 1,793 |
| Cash dividends to net income (ytd only)* | 56.7382% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5985% | 6,561 |
| Loan loss allowance to noncurrent loans | 51.7123% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 0.8409% | 4,014 |
| Noncurrent loans to loans | 1.1574% | 3,500 |
| Net loans and leases to total assets | 46.8598% | 5,460 |
| Net loans and leases to deposits | 51.1494% | 5,766 |
| Net loans and leases to core deposits | 52.3834% | 5,870 |
| Total domestic deposits to total assets | 91.6136% | 339 |
| Equity capital to assets | 7.9922% | 6,160 |
| Core capital (leverage) ratio | 8.6103% | 5,646 |
| Tier 1 risk-based capital ratio | 14.9669% | 3,769 |
| Total risk-based capital ratio | 15.4715% | 4,218 |
| Memoranda: | ||
| Average total assets | $52,220,500 | 6,027 |
| Average earning assets | $44,377,750 | 6,111 |
| Average equity | $4,397,500 | 6,308 |
| Average total loans | $22,973,000 | 6,142 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2368% | 6,179 |
| Cost of funding earning assets | 0.2782% | 5,996 |
| Net interest margin | 2.9585% | 5,676 |
| Noninterest income to average assets | 0.1815% | 6,120 |
| Noninterest expense to average assets | 1.8653% | 6,277 |
| Loan and lease loss provision to assets | 0.0965% | 3,176 |
| Net operating income to assets | 0.7801% | 3,404 |
| Return on assets (ROA) | 0.8187% | 3,360 |
| Pretax return on assets | 0.7222% | 4,603 |
| Return on Equity (ROE) | 9.5546% | 2,394 |
| Retained earnings to average equity (ytd only) | 5.9491% | 2,471 |
| Net charge-offs to loans | 0.0540% | 3,923 |
| Credit loss provision to net charge-offs | 416.6667% | 641 |
| Earnings coverage of net charge-offs (x) | 33.6667% | 1,051 |
| Efficiency ratio | 70.5109% | 3,735 |
| Assets per employee ($millions) | 4.7579% | 2,439 |
| Cash dividends to net income (ytd only)* | 37.7358% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6289% | 6,578 |
| Loan loss allowance to noncurrent loans | 88.8889% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 0.6726% | 4,536 |
| Noncurrent loans to loans | 0.7075% | 4,519 |
| Net loans and leases to total assets | 47.8194% | 5,347 |
| Net loans and leases to deposits | 52.7950% | 5,620 |
| Net loans and leases to core deposits | 53.2809% | 5,805 |
| Total domestic deposits to total assets | 90.5757% | 719 |
| Equity capital to assets | 9.1175% | 5,083 |
| Core capital (leverage) ratio | 8.8188% | 5,264 |
| Tier 1 risk-based capital ratio | 16.7894% | 2,793 |
| Total risk-based capital ratio | 17.3279% | 3,091 |
| Memoranda: | ||
| Average total assets | $51,789,000 | 6,077 |
| Average earning assets | $43,129,330 | 6,183 |
| Average equity | $4,437,670 | 6,345 |
| Average total loans | $22,221,330 | 6,211 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3855% | 5,977 |
| Cost of funding earning assets | 0.2821% | 6,094 |
| Net interest margin | 3.1034% | 5,254 |
| Noninterest income to average assets | 0.0891% | 6,613 |
| Noninterest expense to average assets | 1.6699% | 6,601 |
| Loan and lease loss provision to assets | 0.0371% | 3,975 |
| Net operating income to assets | 0.7947% | 3,193 |
| Return on assets (ROA) | 0.8090% | 3,242 |
| Pretax return on assets | 0.8461% | 3,970 |
| Return on Equity (ROE) | 9.7159% | 2,181 |
| Retained earnings to average equity (ytd only) | 9.7159% | 1,179 |
| Net charge-offs to loans | 0.0914% | 2,929 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 23.4000% | 1,108 |
| Efficiency ratio | 65.7895% | 4,701 |
| Assets per employee ($millions) | 5.1641% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5891% | 6,720 |
| Loan loss allowance to noncurrent loans | 36.4706% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 0.6584% | 4,731 |
| Noncurrent loans to loans | 1.6153% | 3,116 |
| Net loans and leases to total assets | 40.5201% | 5,956 |
| Net loans and leases to deposits | 44.5526% | 6,156 |
| Net loans and leases to core deposits | 44.8582% | 6,270 |
| Total domestic deposits to total assets | 90.9491% | 546 |
| Equity capital to assets | 8.7682% | 5,737 |
| Core capital (leverage) ratio | 7.8244% | 6,266 |
| Tier 1 risk-based capital ratio | 17.3669% | 2,617 |
| Total risk-based capital ratio | 17.8494% | 2,914 |
| Memoranda: | ||
| Average total assets | $53,894,000 | 6,083 |
| Average earning assets | $42,534,000 | 6,260 |
| Average equity | $4,487,500 | 6,394 |
| Average total loans | $21,884,000 | 6,283 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9119% | 5,541 |
| Cost of funding earning assets | 0.3368% | 6,285 |
| Net interest margin | 3.5751% | 4,207 |
| Noninterest income to average assets | 0.1847% | 6,079 |
| Noninterest expense to average assets | 2.0372% | 6,262 |
| Loan and lease loss provision to assets | 0.0447% | 5,289 |
| Net operating income to assets | 0.9143% | 2,744 |
| Return on assets (ROA) | 0.8553% | 3,264 |
| Pretax return on assets | 0.9272% | 3,821 |
| Return on Equity (ROE) | 9.7778% | 2,273 |
| Retained earnings to average equity (ytd only) | 2.2222% | 4,674 |
| Net charge-offs to loans | 0.0564% | 5,138 |
| Credit loss provision to net charge-offs | 176.9231% | 1,483 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 783 |
| Efficiency ratio | 66.2872% | 4,446 |
| Assets per employee ($millions) | 5.6147% | 1,587 |
| Cash dividends to net income (ytd only)* | 77.2727% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5502% | 6,807 |
| Loan loss allowance to noncurrent loans | 42.5170% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 5,169 |
| Noncurrent loans to loans | 1.2941% | 3,673 |
| Net loans and leases to total assets | 40.2408% | 6,150 |
| Net loans and leases to deposits | 43.7902% | 6,379 |
| Net loans and leases to core deposits | 44.1695% | 6,458 |
| Total domestic deposits to total assets | 91.8945% | 264 |
| Equity capital to assets | 7.9203% | 6,447 |
| Core capital (leverage) ratio | 7.8439% | 6,315 |
| Tier 1 risk-based capital ratio | 15.6937% | 3,322 |
| Total risk-based capital ratio | 16.1441% | 3,726 |
| Memoranda: | ||
| Average total assets | $51,442,600 | 6,170 |
| Average earning assets | $41,565,800 | 6,316 |
| Average equity | $4,500,000 | 6,442 |
| Average total loans | $23,034,000 | 6,295 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8840% | 5,823 |
| Cost of funding earning assets | 0.3398% | 6,420 |
| Net interest margin | 3.5443% | 4,467 |
| Noninterest income to average assets | 0.1592% | 6,346 |
| Noninterest expense to average assets | 1.9602% | 6,424 |
| Loan and lease loss provision to assets | 0.0531% | 5,088 |
| Net operating income to assets | 1.0757% | 2,189 |
| Return on assets (ROA) | 0.9894% | 2,788 |
| Pretax return on assets | 1.0689% | 3,468 |
| Return on Equity (ROE) | 11.0191% | 1,955 |
| Retained earnings to average equity (ytd only) | 6.2924% | 2,490 |
| Net charge-offs to loans | -0.0231% | 6,526 |
| Credit loss provision to net charge-offs | -500.0000% | 6,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7377% | 5,197 |
| Assets per employee ($millions) | 5.2516% | 1,880 |
| Cash dividends to net income (ytd only)* | 42.8959% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5615% | 6,905 |
| Loan loss allowance to noncurrent loans | 46.4883% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 0.5694% | 5,247 |
| Noncurrent loans to loans | 1.2079% | 4,035 |
| Net loans and leases to total assets | 46.8695% | 5,672 |
| Net loans and leases to deposits | 51.6461% | 5,999 |
| Net loans and leases to core deposits | 52.1306% | 6,171 |
| Total domestic deposits to total assets | 90.7514% | 498 |
| Equity capital to assets | 8.7535% | 6,067 |
| Core capital (leverage) ratio | 9.5835% | 4,138 |
| Tier 1 risk-based capital ratio | 15.5295% | 3,514 |
| Total risk-based capital ratio | 16.0127% | 3,964 |
| Memoranda: | ||
| Average total assets | $50,266,500 | 6,276 |
| Average earning assets | $42,772,250 | 6,347 |
| Average equity | $4,513,250 | 6,510 |
| Average total loans | $23,112,750 | 6,374 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7359% | 6,280 |
| Cost of funding earning assets | 0.3475% | 6,519 |
| Net interest margin | 3.3883% | 5,124 |
| Noninterest income to average assets | 0.1616% | 6,375 |
| Noninterest expense to average assets | 1.8943% | 6,607 |
| Loan and lease loss provision to assets | 0.0808% | 4,586 |
| Net operating income to assets | 1.1239% | 1,965 |
| Return on assets (ROA) | 0.9896% | 2,745 |
| Pretax return on assets | 1.0380% | 3,567 |
| Return on Equity (ROE) | 10.9245% | 2,013 |
| Retained earnings to average equity (ytd only) | 7.3573% | 1,929 |
| Net charge-offs to loans | -0.0089% | 6,265 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0512% | 5,567 |
| Assets per employee ($millions) | 4.6899% | 2,582 |
| Cash dividends to net income (ytd only)* | 32.6531% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5523% | 6,978 |
| Loan loss allowance to noncurrent loans | 111.4754% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.2601% | 6,125 |
| Noncurrent loans to loans | 0.4955% | 5,544 |
| Net loans and leases to total assets | 52.2143% | 5,072 |
| Net loans and leases to deposits | 58.0642% | 5,439 |
| Net loans and leases to core deposits | 58.6806% | 5,722 |
| Total domestic deposits to total assets | 89.9252% | 970 |
| Equity capital to assets | 9.6846% | 4,776 |
| Core capital (leverage) ratio | 9.2554% | 4,520 |
| Tier 1 risk-based capital ratio | 16.0843% | 3,126 |
| Total risk-based capital ratio | 16.5793% | 3,516 |
| Memoranda: | ||
| Average total assets | $49,516,670 | 6,331 |
| Average earning assets | $43,738,330 | 6,354 |
| Average equity | $4,485,330 | 6,548 |
| Average total loans | $22,566,000 | 6,435 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5996% | 6,575 |
| Cost of funding earning assets | 0.3591% | 6,605 |
| Net interest margin | 3.2405% | 5,663 |
| Noninterest income to average assets | 0.1023% | 6,735 |
| Noninterest expense to average assets | 1.7314% | 6,870 |
| Loan and lease loss provision to assets | 0.0394% | 4,895 |
| Net operating income to assets | 1.1726% | 1,815 |
| Return on assets (ROA) | 0.9759% | 2,777 |
| Pretax return on assets | 0.9759% | 3,768 |
| Return on Equity (ROE) | 11.1286% | 1,969 |
| Retained earnings to average equity (ytd only) | 11.1286% | 999 |
| Net charge-offs to loans | -0.0371% | 6,427 |
| Credit loss provision to net charge-offs | -250.0000% | 5,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8235% | 5,796 |
| Assets per employee ($millions) | 4.8095% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5700% | 7,010 |
| Loan loss allowance to noncurrent loans | 61.6162% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 5,832 |
| Noncurrent loans to loans | 0.9251% | 4,816 |
| Net loans and leases to total assets | 44.2499% | 5,985 |
| Net loans and leases to deposits | 48.9996% | 6,224 |
| Net loans and leases to core deposits | 50.0894% | 6,334 |
| Total domestic deposits to total assets | 90.3067% | 908 |
| Equity capital to assets | 9.3897% | 4,978 |
| Core capital (leverage) ratio | 9.2384% | 4,458 |
| Tier 1 risk-based capital ratio | 17.3311% | 2,536 |
| Total risk-based capital ratio | 17.8140% | 2,845 |
| Memoranda: | ||
| Average total assets | $50,825,500 | 6,343 |
| Average earning assets | $44,560,500 | 6,380 |
| Average equity | $4,457,000 | 6,594 |
| Average total loans | $21,537,000 | 6,535 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0623% | 6,336 |
| Cost of funding earning assets | 0.6150% | 6,014 |
| Net interest margin | 3.4473% | 5,346 |
| Noninterest income to average assets | 0.1707% | 6,263 |
| Noninterest expense to average assets | 2.2676% | 6,123 |
| Loan and lease loss provision to assets | 0.0985% | 5,358 |
| Net operating income to assets | 0.9252% | 2,505 |
| Return on assets (ROA) | 0.8668% | 2,890 |
| Pretax return on assets | 0.9434% | 3,454 |
| Return on Equity (ROE) | 8.9229% | 2,484 |
| Retained earnings to average equity (ytd only) | 1.2618% | 5,263 |
| Net charge-offs to loans | 0.1639% | 4,841 |
| Credit loss provision to net charge-offs | 132.3529% | 2,301 |
| Earnings coverage of net charge-offs (x) | 14.8529% | 1,430 |
| Efficiency ratio | 67.2291% | 4,533 |
| Assets per employee ($millions) | 5.3556% | 1,770 |
| Cash dividends to net income (ytd only)* | 85.8586% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5307% | 7,080 |
| Loan loss allowance to noncurrent loans | 149.3506% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.1438% | 6,598 |
| Noncurrent loans to loans | 0.3553% | 6,010 |
| Net loans and leases to total assets | 40.2476% | 6,533 |
| Net loans and leases to deposits | 43.9297% | 6,723 |
| Net loans and leases to core deposits | 44.7924% | 6,781 |
| Total domestic deposits to total assets | 91.6181% | 302 |
| Equity capital to assets | 8.2120% | 6,426 |
| Core capital (leverage) ratio | 7.9088% | 6,349 |
| Tier 1 risk-based capital ratio | 16.1540% | 2,978 |
| Total risk-based capital ratio | 16.5907% | 3,378 |
| Memoranda: | ||
| Average total assets | $45,687,400 | 6,490 |
| Average earning assets | $42,439,000 | 6,447 |
| Average equity | $4,438,000 | 6,621 |
| Average total loans | $20,743,200 | 6,622 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1994% | 6,204 |
| Cost of funding earning assets | 0.6523% | 6,020 |
| Net interest margin | 3.5471% | 4,993 |
| Noninterest income to average assets | 0.1464% | 6,521 |
| Noninterest expense to average assets | 2.2689% | 6,124 |
| Loan and lease loss provision to assets | 0.0762% | 5,495 |
| Net operating income to assets | 1.0578% | 2,114 |
| Return on assets (ROA) | 1.0521% | 2,277 |
| Pretax return on assets | 1.1284% | 2,905 |
| Return on Equity (ROE) | 10.3415% | 2,088 |
| Retained earnings to average equity (ytd only) | 5.5454% | 2,827 |
| Net charge-offs to loans | 0.0585% | 5,381 |
| Credit loss provision to net charge-offs | 277.7778% | 1,028 |
| Earnings coverage of net charge-offs (x) | 44.1100% | 720 |
| Efficiency ratio | 65.2060% | 4,861 |
| Assets per employee ($millions) | 4.6435% | 2,701 |
| Cash dividends to net income (ytd only)* | 46.3771% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5558% | 7,128 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 6,620 |
| Noncurrent loans to loans | 0.3705% | 6,112 |
| Net loans and leases to total assets | 46.2367% | 6,126 |
| Net loans and leases to deposits | 54.0004% | 6,214 |
| Net loans and leases to core deposits | 54.3627% | 6,435 |
| Total domestic deposits to total assets | 85.6229% | 3,431 |
| Equity capital to assets | 9.8223% | 4,598 |
| Core capital (leverage) ratio | 9.8852% | 3,598 |
| Tier 1 risk-based capital ratio | 17.6656% | 2,374 |
| Total risk-based capital ratio | 18.1492% | 2,648 |
| Memoranda: | ||
| Average total assets | $43,720,250 | 6,608 |
| Average earning assets | $41,084,000 | 6,543 |
| Average equity | $4,448,000 | 6,664 |
| Average total loans | $20,511,500 | 6,698 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1850% | 6,311 |
| Cost of funding earning assets | 0.6785% | 6,077 |
| Net interest margin | 3.5065% | 5,133 |
| Noninterest income to average assets | 0.1542% | 6,549 |
| Noninterest expense to average assets | 2.2562% | 6,228 |
| Loan and lease loss provision to assets | 0.1168% | 4,815 |
| Net operating income to assets | 1.0510% | 2,037 |
| Return on assets (ROA) | 1.0510% | 2,131 |
| Pretax return on assets | 1.0884% | 2,897 |
| Return on Equity (ROE) | 10.2033% | 2,049 |
| Retained earnings to average equity (ytd only) | 6.5755% | 2,092 |
| Net charge-offs to loans | 0.0992% | 4,690 |
| Credit loss provision to net charge-offs | 250.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 25.8000% | 1,032 |
| Efficiency ratio | 65.1822% | 5,030 |
| Assets per employee ($millions) | 4.3561% | 3,069 |
| Cash dividends to net income (ytd only)* | 35.5556% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5659% | 7,182 |
| Loan loss allowance to noncurrent loans | 68.3908% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 6,142 |
| Noncurrent loans to loans | 0.8275% | 5,274 |
| Net loans and leases to total assets | 47.9994% | 6,050 |
| Net loans and leases to deposits | 56.4803% | 6,093 |
| Net loans and leases to core deposits | 56.8875% | 6,353 |
| Total domestic deposits to total assets | 84.9843% | 3,888 |
| Equity capital to assets | 10.3740% | 3,662 |
| Core capital (leverage) ratio | 9.7963% | 3,527 |
| Tier 1 risk-based capital ratio | 18.3916% | 2,047 |
| Total risk-based capital ratio | 18.8956% | 2,262 |
| Memoranda: | ||
| Average total assets | $42,815,330 | 6,685 |
| Average earning assets | $40,382,670 | 6,626 |
| Average equity | $4,410,330 | 6,712 |
| Average total loans | $20,152,000 | 6,775 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1512% | 6,392 |
| Cost of funding earning assets | 0.7019% | 6,123 |
| Net interest margin | 3.4493% | 5,228 |
| Noninterest income to average assets | 0.2073% | 6,253 |
| Noninterest expense to average assets | 1.9791% | 6,861 |
| Loan and lease loss provision to assets | 0.2356% | 3,304 |
| Net operating income to assets | 1.1592% | 1,631 |
| Return on assets (ROA) | 1.1592% | 1,682 |
| Pretax return on assets | 1.2346% | 2,251 |
| Return on Equity (ROE) | 11.2948% | 1,645 |
| Retained earnings to average equity (ytd only) | 11.2948% | 839 |
| Net charge-offs to loans | 0.1217% | 3,802 |
| Credit loss provision to net charge-offs | 416.6667% | 814 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 938 |
| Efficiency ratio | 57.3770% | 6,339 |
| Assets per employee ($millions) | 4.3533% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6371% | 7,159 |
| Loan loss allowance to noncurrent loans | 89.1304% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.3170% | 6,407 |
| Noncurrent loans to loans | 0.7148% | 5,582 |
| Net loans and leases to total assets | 44.0654% | 6,465 |
| Net loans and leases to deposits | 51.6672% | 6,501 |
| Net loans and leases to core deposits | 52.0344% | 6,674 |
| Total domestic deposits to total assets | 85.2870% | 3,892 |
| Equity capital to assets | 10.1647% | 3,577 |
| Core capital (leverage) ratio | 9.8687% | 3,314 |
| Tier 1 risk-based capital ratio | 19.5760% | 1,678 |
| Total risk-based capital ratio | 20.1332% | 1,799 |
| Memoranda: | ||
| Average total assets | $42,442,500 | 6,740 |
| Average earning assets | $39,892,500 | 6,691 |
| Average equity | $4,356,000 | 6,766 |
| Average total loans | $19,714,000 | 6,857 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7360% | 5,667 |
| Cost of funding earning assets | 0.8782% | 6,251 |
| Net interest margin | 3.8578% | 3,700 |
| Noninterest income to average assets | 0.1268% | 6,764 |
| Noninterest expense to average assets | 2.4962% | 5,813 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.1098% | 1,679 |
| Return on assets (ROA) | 1.1189% | 1,729 |
| Pretax return on assets | 1.1847% | 2,273 |
| Return on Equity (ROE) | 10.2989% | 1,820 |
| Retained earnings to average equity (ytd only) | 0.9873% | 5,046 |
| Net charge-offs to loans | 0.1211% | 5,680 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 20.0833% | 1,025 |
| Efficiency ratio | 67.9947% | 4,567 |
| Assets per employee ($millions) | 4.1352% | 3,502 |
| Cash dividends to net income (ytd only)* | 90.4139% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5168% | 7,342 |
| Loan loss allowance to noncurrent loans | 61.1765% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 0.4111% | 6,242 |
| Noncurrent loans to loans | 0.8448% | 5,368 |
| Net loans and leases to total assets | 48.4088% | 6,352 |
| Net loans and leases to deposits | 56.9713% | 6,355 |
| Net loans and leases to core deposits | 57.3993% | 6,607 |
| Total domestic deposits to total assets | 84.9705% | 3,862 |
| Equity capital to assets | 10.3671% | 3,312 |
| Core capital (leverage) ratio | 9.7370% | 3,386 |
| Tier 1 risk-based capital ratio | 18.6503% | 1,802 |
| Total risk-based capital ratio | 19.1124% | 2,007 |
| Memoranda: | ||
| Average total assets | $41,021,600 | 6,824 |
| Average earning assets | $37,690,200 | 6,809 |
| Average equity | $4,456,800 | 6,832 |
| Average total loans | $19,819,800 | 6,935 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8430% | 5,504 |
| Cost of funding earning assets | 0.9121% | 6,350 |
| Net interest margin | 3.9309% | 3,402 |
| Noninterest income to average assets | 0.1172% | 6,963 |
| Noninterest expense to average assets | 2.3416% | 6,197 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2677% | 1,418 |
| Return on assets (ROA) | 1.2799% | 1,467 |
| Pretax return on assets | 1.3679% | 1,977 |
| Return on Equity (ROE) | 11.6462% | 1,606 |
| Retained earnings to average equity (ytd only) | 4.9784% | 3,006 |
| Net charge-offs to loans | 0.1283% | 5,268 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 21.8970% | 1,118 |
| Efficiency ratio | 63.3480% | 5,370 |
| Assets per employee ($millions) | 4.1737% | 3,495 |
| Cash dividends to net income (ytd only)* | 57.2511% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5369% | 7,421 |
| Loan loss allowance to noncurrent loans | 82.5758% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.3163% | 6,592 |
| Noncurrent loans to loans | 0.6502% | 5,907 |
| Net loans and leases to total assets | 48.3839% | 6,485 |
| Net loans and leases to deposits | 57.5442% | 6,501 |
| Net loans and leases to core deposits | 57.9738% | 6,725 |
| Total domestic deposits to total assets | 84.0813% | 4,079 |
| Equity capital to assets | 10.9208% | 3,032 |
| Core capital (leverage) ratio | 10.6249% | 2,571 |
| Tier 1 risk-based capital ratio | 18.7262% | 1,815 |
| Total risk-based capital ratio | 19.1984% | 1,999 |
| Memoranda: | ||
| Average total assets | $40,939,000 | 6,908 |
| Average earning assets | $37,276,000 | 6,906 |
| Average equity | $4,499,250 | 6,906 |
| Average total loans | $19,744,250 | 7,031 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8722% | 5,522 |
| Cost of funding earning assets | 0.9421% | 6,417 |
| Net interest margin | 3.9300% | 3,320 |
| Noninterest income to average assets | 0.0983% | 7,102 |
| Noninterest expense to average assets | 2.3505% | 6,219 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2551% | 1,417 |
| Return on assets (ROA) | 1.2736% | 1,438 |
| Pretax return on assets | 1.3572% | 1,925 |
| Return on Equity (ROE) | 11.5634% | 1,574 |
| Retained earnings to average equity (ytd only) | 7.0987% | 1,793 |
| Net charge-offs to loans | 0.2352% | 4,195 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 11.8261% | 1,724 |
| Efficiency ratio | 63.7333% | 5,383 |
| Assets per employee ($millions) | 3.8974% | 3,983 |
| Cash dividends to net income (ytd only)* | 38.6100% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4990% | 7,509 |
| Loan loss allowance to noncurrent loans | 112.9032% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.2386% | 6,802 |
| Noncurrent loans to loans | 0.4420% | 6,358 |
| Net loans and leases to total assets | 53.7153% | 6,021 |
| Net loans and leases to deposits | 64.6282% | 5,965 |
| Net loans and leases to core deposits | 65.1511% | 6,302 |
| Total domestic deposits to total assets | 83.1144% | 4,522 |
| Equity capital to assets | 11.7412% | 2,256 |
| Core capital (leverage) ratio | 10.5811% | 2,557 |
| Tier 1 risk-based capital ratio | 18.7622% | 1,774 |
| Total risk-based capital ratio | 19.2189% | 1,937 |
| Memoranda: | ||
| Average total assets | $40,673,000 | 6,973 |
| Average earning assets | $37,149,670 | 6,965 |
| Average equity | $4,479,670 | 6,947 |
| Average total loans | $19,558,000 | 7,093 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8399% | 5,726 |
| Cost of funding earning assets | 0.9809% | 6,461 |
| Net interest margin | 3.8590% | 3,518 |
| Noninterest income to average assets | 0.1060% | 7,172 |
| Noninterest expense to average assets | 1.9363% | 7,272 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5506% | 819 |
| Return on assets (ROA) | 1.5413% | 897 |
| Pretax return on assets | 1.6088% | 1,243 |
| Return on Equity (ROE) | 14.4421% | 964 |
| Retained earnings to average equity (ytd only) | 14.4421% | 457 |
| Net charge-offs to loans | -0.0213% | 7,088 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4715% | 6,932 |
| Assets per employee ($millions) | 4.0532% | 3,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6795% | 7,375 |
| Loan loss allowance to noncurrent loans | 57.0796% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 0.5576% | 6,112 |
| Noncurrent loans to loans | 1.1905% | 4,980 |
| Net loans and leases to total assets | 46.5188% | 6,792 |
| Net loans and leases to deposits | 55.3387% | 6,821 |
| Net loans and leases to core deposits | 55.3387% | 7,027 |
| Total domestic deposits to total assets | 84.0620% | 4,117 |
| Equity capital to assets | 11.1467% | 2,637 |
| Core capital (leverage) ratio | 10.6358% | 2,508 |
| Tier 1 risk-based capital ratio | 19.7826% | 1,564 |
| Total risk-based capital ratio | 20.3742% | 1,659 |
| Memoranda: | ||
| Average total assets | $41,522,500 | 7,039 |
| Average earning assets | $37,108,000 | 7,048 |
| Average equity | $4,431,500 | 7,026 |
| Average total loans | $18,817,000 | 7,224 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0204% | 6,368 |
| Cost of funding earning assets | 1.1772% | 6,743 |
| Net interest margin | 3.8432% | 3,516 |
| Noninterest income to average assets | 0.1459% | 7,010 |
| Noninterest expense to average assets | 2.5414% | 5,980 |
| Loan and lease loss provision to assets | 0.0292% | 7,230 |
| Net operating income to assets | 0.9750% | 1,927 |
| Return on assets (ROA) | 1.0044% | 1,874 |
| Pretax return on assets | 1.0847% | 2,296 |
| Return on Equity (ROE) | 9.3232% | 1,915 |
| Retained earnings to average equity (ytd only) | 0.4063% | 4,679 |
| Net charge-offs to loans | 0.1209% | 5,969 |
| Credit loss provision to net charge-offs | 54.5455% | 6,700 |
| Earnings coverage of net charge-offs (x) | 20.2273% | 1,051 |
| Efficiency ratio | 70.1342% | 4,594 |
| Assets per employee ($millions) | 3.8648% | 4,108 |
| Cash dividends to net income (ytd only)* | 95.6416% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6863% | 7,401 |
| Loan loss allowance to noncurrent loans | 69.5652% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 0.4328% | 6,380 |
| Noncurrent loans to loans | 0.9866% | 5,345 |
| Net loans and leases to total assets | 43.5678% | 7,144 |
| Net loans and leases to deposits | 51.1135% | 7,200 |
| Net loans and leases to core deposits | 56.4368% | 7,391 |
| Total domestic deposits to total assets | 85.2375% | 3,440 |
| Equity capital to assets | 10.2204% | 3,490 |
| Core capital (leverage) ratio | 9.8938% | 3,207 |
| Tier 1 risk-based capital ratio | 18.8638% | 1,682 |
| Total risk-based capital ratio | 19.4451% | 1,795 |
| Memoranda: | ||
| Average total assets | $41,118,800 | 7,043 |
| Average earning assets | $37,208,400 | 7,047 |
| Average equity | $4,429,800 | 7,137 |
| Average total loans | $18,195,800 | 7,302 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0891% | 6,309 |
| Cost of funding earning assets | 1.2129% | 6,854 |
| Net interest margin | 3.8762% | 3,319 |
| Noninterest income to average assets | 0.1374% | 7,192 |
| Noninterest expense to average assets | 2.0145% | 7,354 |
| Loan and lease loss provision to assets | 0.0392% | 6,971 |
| Net operating income to assets | 1.5140% | 787 |
| Return on assets (ROA) | 1.5632% | 767 |
| Pretax return on assets | 1.6580% | 1,049 |
| Return on Equity (ROE) | 14.3186% | 872 |
| Retained earnings to average equity (ytd only) | 7.5785% | 1,276 |
| Net charge-offs to loans | 0.1770% | 4,985 |
| Credit loss provision to net charge-offs | 50.0000% | 6,304 |
| Earnings coverage of net charge-offs (x) | 20.9578% | 1,219 |
| Efficiency ratio | 55.0492% | 7,111 |
| Assets per employee ($millions) | 3.6265% | 4,614 |
| Cash dividends to net income (ytd only)* | 47.0705% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6584% | 7,471 |
| Loan loss allowance to noncurrent loans | 52.7197% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 0.5991% | 5,950 |
| Noncurrent loans to loans | 1.2488% | 4,856 |
| Net loans and leases to total assets | 47.6587% | 6,986 |
| Net loans and leases to deposits | 57.0503% | 7,024 |
| Net loans and leases to core deposits | 63.2826% | 7,275 |
| Total domestic deposits to total assets | 83.5381% | 3,934 |
| Equity capital to assets | 11.5211% | 2,563 |
| Core capital (leverage) ratio | 11.0454% | 2,373 |
| Tier 1 risk-based capital ratio | 20.0182% | 1,554 |
| Total risk-based capital ratio | 20.5929% | 1,644 |
| Memoranda: | ||
| Average total assets | $40,770,250 | 7,112 |
| Average earning assets | $37,045,500 | 7,111 |
| Average equity | $4,451,000 | 7,200 |
| Average total loans | $18,082,250 | 7,375 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0483% | 6,625 |
| Cost of funding earning assets | 1.2540% | 6,947 |
| Net interest margin | 3.7944% | 3,572 |
| Noninterest income to average assets | 0.1218% | 7,370 |
| Noninterest expense to average assets | 1.8459% | 7,691 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.6061% | 671 |
| Return on assets (ROA) | 1.6755% | 647 |
| Pretax return on assets | 1.7680% | 902 |
| Return on Equity (ROE) | 15.6269% | 744 |
| Retained earnings to average equity (ytd only) | 11.0842% | 551 |
| Net charge-offs to loans | 0.0564% | 5,703 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 69.6000% | 536 |
| Efficiency ratio | 52.1320% | 7,506 |
| Assets per employee ($millions) | 3.6650% | 4,408 |
| Cash dividends to net income (ytd only)* | 29.0698% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7572% | 7,284 |
| Loan loss allowance to noncurrent loans | 97.7941% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.3373% | 6,616 |
| Noncurrent loans to loans | 0.7743% | 5,684 |
| Net loans and leases to total assets | 43.2370% | 7,376 |
| Net loans and leases to deposits | 51.4371% | 7,409 |
| Net loans and leases to core deposits | 57.3237% | 7,543 |
| Total domestic deposits to total assets | 84.0580% | 3,734 |
| Equity capital to assets | 11.1869% | 2,765 |
| Core capital (leverage) ratio | 11.0372% | 2,372 |
| Tier 1 risk-based capital ratio | 21.3232% | 1,343 |
| Total risk-based capital ratio | 21.9707% | 1,403 |
| Memoranda: | ||
| Average total assets | $41,063,000 | 7,165 |
| Average earning assets | $37,002,330 | 7,175 |
| Average equity | $4,402,670 | 7,272 |
| Average total loans | $17,730,330 | 7,453 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1110% | 6,613 |
| Cost of funding earning assets | 1.3179% | 6,967 |
| Net interest margin | 3.7931% | 3,471 |
| Noninterest income to average assets | 0.1062% | 7,503 |
| Noninterest expense to average assets | 1.6314% | 7,885 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7762% | 555 |
| Return on assets (ROA) | 1.7762% | 611 |
| Pretax return on assets | 1.8920% | 813 |
| Return on Equity (ROE) | 16.9234% | 695 |
| Retained earnings to average equity (ytd only) | 16.9234% | 276 |
| Net charge-offs to loans | 0.1572% | 3,708 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,118 |
| Efficiency ratio | 46.3014% | 7,833 |
| Assets per employee ($millions) | 3.6418% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7664% | 7,265 |
| Loan loss allowance to noncurrent loans | 80.3681% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 0.4069% | 6,279 |
| Noncurrent loans to loans | 0.9537% | 5,089 |
| Net loans and leases to total assets | 42.3390% | 7,448 |
| Net loans and leases to deposits | 50.4191% | 7,474 |
| Net loans and leases to core deposits | 56.7732% | 7,577 |
| Total domestic deposits to total assets | 83.9740% | 3,715 |
| Equity capital to assets | 11.1707% | 2,835 |
| Core capital (leverage) ratio | 10.7782% | 2,674 |
| Tier 1 risk-based capital ratio | 21.4360% | 1,380 |
| Total risk-based capital ratio | 22.0860% | 1,446 |
| Memoranda: | ||
| Average total assets | $41,437,000 | 7,191 |
| Average earning assets | $37,331,000 | 7,203 |
| Average equity | $4,349,000 | 7,338 |
| Average total loans | $17,813,500 | 7,492 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6302% | 6,989 |
| Cost of funding earning assets | 2.0629% | 6,188 |
| Net interest margin | 3.5673% | 5,027 |
| Noninterest income to average assets | 0.1576% | 7,298 |
| Noninterest expense to average assets | 2.5879% | 5,694 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8502% | 3,222 |
| Return on assets (ROA) | 0.8749% | 2,961 |
| Pretax return on assets | 0.9353% | 3,599 |
| Return on Equity (ROE) | 7.9316% | 3,103 |
| Retained earnings to average equity (ytd only) | 0.4287% | 4,992 |
| Net charge-offs to loans | 0.0672% | 5,819 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 31.4545% | 1,133 |
| Efficiency ratio | 74.0045% | 3,575 |
| Assets per employee ($millions) | 3.8922% | 3,758 |
| Cash dividends to net income (ytd only)* | 94.5946% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7445% | 7,314 |
| Loan loss allowance to noncurrent loans | 92.0000% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 0.3504% | 6,190 |
| Noncurrent loans to loans | 0.8093% | 5,019 |
| Net loans and leases to total assets | 42.9696% | 7,535 |
| Net loans and leases to deposits | 47.8715% | 7,712 |
| Net loans and leases to core deposits | 56.2101% | 7,737 |
| Total domestic deposits to total assets | 89.7604% | 740 |
| Equity capital to assets | 9.8636% | 4,204 |
| Core capital (leverage) ratio | 10.0403% | 3,408 |
| Tier 1 risk-based capital ratio | 18.8420% | 1,850 |
| Total risk-based capital ratio | 19.4706% | 1,933 |
| Memoranda: | ||
| Average total assets | $38,061,200 | 7,302 |
| Average earning assets | $35,629,600 | 7,258 |
| Average equity | $4,198,400 | 7,433 |
| Average total loans | $16,380,800 | 7,558 |