Home > State Bank of Table Rock > Performance and Condition Ratios
State Bank of Table Rock, 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 | 5.6506% | 986 |
| Cost of funding earning assets | 1.3495% | 2,362 |
| Net interest margin | 4.3012% | 812 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.8962% | 1,276 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.1303% | 1,830 |
| Return on assets (ROA) | 1.1404% | 1,782 |
| Pretax return on assets | 1.1716% | 2,209 |
| Return on Equity (ROE) | 12.8000% | 1,779 |
| Retained earnings to average equity (ytd only) | 7.7186% | 1,620 |
| Net charge-offs to loans | 0.0019% | 2,741 |
| Credit loss provision to net charge-offs | 6,300.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 798.0000% | 182 |
| Efficiency ratio | 69.3960% | 1,972 |
| Assets per employee ($millions) | 4.6805% | 3,840 |
| Cash dividends to net income (ytd only)* | 39.7193% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9633% | 3,475 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 85.2700% | 192 |
| Net loans and leases to deposits | 123.9488% | 63 |
| Net loans and leases to core deposits | 128.0638% | 437 |
| Total domestic deposits to total assets | 68.8000% | 4,326 |
| Equity capital to assets | 8.7392% | 2,871 |
| Core capital (leverage) ratio | 9.1130% | 3,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $124,958,600 | 3,599 |
| Average earning assets | $115,526,800 | 3,587 |
| Average equity | $11,129,000 | 3,608 |
| Average total loans | $102,573,800 | 3,148 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4776% | 1,040 |
| Cost of funding earning assets | 1.2016% | 2,428 |
| Net interest margin | 4.2761% | 828 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.6626% | 1,757 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.3774% | 1,369 |
| Return on assets (ROA) | 1.3848% | 1,341 |
| Pretax return on assets | 1.4193% | 1,734 |
| Return on Equity (ROE) | 15.4700% | 1,359 |
| Retained earnings to average equity (ytd only) | 10.4632% | 1,273 |
| Net charge-offs to loans | -0.0027% | 3,623 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.9927% | 2,492 |
| Assets per employee ($millions) | 4.4782% | 3,952 |
| Cash dividends to net income (ytd only)* | 32.3713% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 3,469 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 82.7500% | 379 |
| Net loans and leases to deposits | 108.9420% | 224 |
| Net loans and leases to core deposits | 115.6415% | 676 |
| Total domestic deposits to total assets | 75.9600% | 4,013 |
| Equity capital to assets | 9.1404% | 2,332 |
| Core capital (leverage) ratio | 9.3421% | 3,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $123,435,000 | 3,627 |
| Average earning assets | $114,401,750 | 3,612 |
| Average equity | $11,048,000 | 3,611 |
| Average total loans | $100,007,750 | 3,177 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2612% | 1,128 |
| Cost of funding earning assets | 1.0656% | 2,398 |
| Net interest margin | 4.1956% | 939 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.6225% | 1,865 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.3636% | 1,416 |
| Return on assets (ROA) | 1.3731% | 1,376 |
| Pretax return on assets | 1.4074% | 1,797 |
| Return on Equity (ROE) | 15.4500% | 1,377 |
| Retained earnings to average equity (ytd only) | 11.1454% | 1,160 |
| Net charge-offs to loans | -0.0061% | 3,763 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.9396% | 2,495 |
| Assets per employee ($millions) | 4.3553% | 4,032 |
| Cash dividends to net income (ytd only)* | 27.8766% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9921% | 3,461 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 82.4900% | 379 |
| Net loans and leases to deposits | 111.1078% | 186 |
| Net loans and leases to core deposits | 117.0045% | 595 |
| Total domestic deposits to total assets | 74.2500% | 4,179 |
| Equity capital to assets | 9.1860% | 2,383 |
| Core capital (leverage) ratio | 9.2067% | 3,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $122,783,667 | 3,650 |
| Average earning assets | $113,929,000 | 3,637 |
| Average equity | $10,910,333 | 3,639 |
| Average total loans | $98,413,667 | 3,193 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9113% | 1,388 |
| Cost of funding earning assets | 0.8961% | 2,383 |
| Net interest margin | 4.0151% | 1,237 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.4415% | 2,394 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4385% | 1,310 |
| Return on assets (ROA) | 1.4480% | 1,264 |
| Pretax return on assets | 1.4837% | 1,708 |
| Return on Equity (ROE) | 16.5700% | 1,247 |
| Retained earnings to average equity (ytd only) | 12.6713% | 1,150 |
| Net charge-offs to loans | -0.0083% | 3,790 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.3549% | 2,645 |
| Assets per employee ($millions) | 4.2349% | 4,155 |
| Cash dividends to net income (ytd only)* | 23.5426% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 3,504 |
| Loan loss allowance to noncurrent loans | 96,500.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 3,934 |
| Noncurrent loans to loans | 0.0010% | 3,872 |
| Net loans and leases to total assets | 80.3000% | 511 |
| Net loans and leases to deposits | 106.4070% | 241 |
| Net loans and leases to core deposits | 107.6766% | 770 |
| Total domestic deposits to total assets | 75.4600% | 4,194 |
| Equity capital to assets | 9.2218% | 2,346 |
| Core capital (leverage) ratio | 8.9825% | 3,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6245% | 2,525 |
| Memoranda: | ||
| Average total assets | $123,202,000 | 3,694 |
| Average earning assets | $114,267,500 | 3,675 |
| Average equity | $10,764,500 | 3,695 |
| Average total loans | $96,818,000 | 3,245 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9870% | 1,752 |
| Cost of funding earning assets | 0.6410% | 751 |
| Net interest margin | 3.3460% | 2,433 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.4480% | 2,273 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.7680% | 3,427 |
| Return on assets (ROA) | 0.7627% | 3,387 |
| Pretax return on assets | 0.7939% | 3,639 |
| Return on Equity (ROE) | 9.2700% | 3,044 |
| Retained earnings to average equity (ytd only) | 6.1606% | 2,583 |
| Net charge-offs to loans | 0.0089% | 2,051 |
| Credit loss provision to net charge-offs | 1,100.0000% | 400 |
| Earnings coverage of net charge-offs (x) | 135.8750% | 836 |
| Efficiency ratio | 73.7820% | 1,236 |
| Assets per employee ($millions) | 4.5652% | 3,989 |
| Cash dividends to net income (ytd only)* | 33.5782% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 2,516 |
| Loan loss allowance to noncurrent loans | 22,880.0000% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 3,893 |
| Noncurrent loans to loans | 0.0051% | 3,838 |
| Net loans and leases to total assets | 75.3500% | 1,081 |
| Net loans and leases to deposits | 110.0757% | 153 |
| Net loans and leases to core deposits | 111.7461% | 551 |
| Total domestic deposits to total assets | 68.4500% | 4,500 |
| Equity capital to assets | 8.2878% | 2,867 |
| Core capital (leverage) ratio | 8.6339% | 4,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0127% | 2,734 |
| Memoranda: | ||
| Average total assets | $124,957,000 | 3,689 |
| Average earning assets | $116,229,000 | 3,667 |
| Average equity | $10,275,000 | 3,836 |
| Average total loans | $89,482,400 | 3,296 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8225% | 1,676 |
| Cost of funding earning assets | 0.6091% | 415 |
| Net interest margin | 3.2134% | 2,583 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 2.3137% | 2,595 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8508% | 3,062 |
| Return on assets (ROA) | 0.8457% | 3,055 |
| Pretax return on assets | 0.8779% | 3,385 |
| Return on Equity (ROE) | 10.3100% | 2,634 |
| Retained earnings to average equity (ytd only) | 7.4935% | 2,192 |
| Net charge-offs to loans | 0.0107% | 1,717 |
| Credit loss provision to net charge-offs | 142.8571% | 1,144 |
| Earnings coverage of net charge-offs (x) | 119.0000% | 852 |
| Efficiency ratio | 72.1311% | 1,499 |
| Assets per employee ($millions) | 4.4313% | 4,102 |
| Cash dividends to net income (ytd only)* | 27.2843% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 2,612 |
| Loan loss allowance to noncurrent loans | 1,441.8919% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 3,293 |
| Noncurrent loans to loans | 0.0822% | 3,290 |
| Net loans and leases to total assets | 71.7300% | 1,319 |
| Net loans and leases to deposits | 95.1628% | 589 |
| Net loans and leases to core deposits | 96.2517% | 985 |
| Total domestic deposits to total assets | 75.3800% | 4,394 |
| Equity capital to assets | 8.4899% | 2,552 |
| Core capital (leverage) ratio | 8.2465% | 4,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7591% | 2,566 |
| Memoranda: | ||
| Average total assets | $124,239,750 | 3,720 |
| Average earning assets | $115,804,000 | 3,701 |
| Average equity | $10,195,250 | 3,891 |
| Average total loans | $87,488,500 | 3,329 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6493% | 1,686 |
| Cost of funding earning assets | 0.6313% | 228 |
| Net interest margin | 3.0180% | 2,831 |
| Noninterest income to average assets | 0.2156% | 3,915 |
| Noninterest expense to average assets | 2.3010% | 2,551 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6964% | 3,320 |
| Return on assets (ROA) | 0.6887% | 3,301 |
| Pretax return on assets | 0.7144% | 3,541 |
| Return on Equity (ROE) | 8.4901% | 2,869 |
| Retained earnings to average equity (ytd only) | 6.3081% | 2,234 |
| Net charge-offs to loans | 0.0023% | 2,013 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 449.0000% | 282 |
| Efficiency ratio | 76.1043% | 1,268 |
| Assets per employee ($millions) | 4.5453% | 4,037 |
| Cash dividends to net income (ytd only)* | 25.7009% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 2,580 |
| Loan loss allowance to noncurrent loans | 1,968.5185% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 3,562 |
| Noncurrent loans to loans | 0.0620% | 3,491 |
| Net loans and leases to total assets | 67.5737% | 1,517 |
| Net loans and leases to deposits | 88.6213% | 798 |
| Net loans and leases to core deposits | 89.3645% | 1,156 |
| Total domestic deposits to total assets | 76.2499% | 4,447 |
| Equity capital to assets | 8.0767% | 3,062 |
| Core capital (leverage) ratio | 8.1393% | 4,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9956% | 2,497 |
| Memoranda: | ||
| Average total assets | $124,294,000 | 3,762 |
| Average earning assets | $115,639,667 | 3,752 |
| Average equity | $10,082,333 | 3,976 |
| Average total loans | $86,628,333 | 3,370 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5863% | 1,545 |
| Cost of funding earning assets | 0.6773% | 174 |
| Net interest margin | 2.9091% | 2,809 |
| Noninterest income to average assets | 0.2150% | 3,868 |
| Noninterest expense to average assets | 2.3191% | 2,426 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5764% | 3,478 |
| Return on assets (ROA) | 0.5733% | 3,460 |
| Pretax return on assets | 0.5928% | 3,654 |
| Return on Equity (ROE) | 7.0513% | 3,025 |
| Retained earnings to average equity (ytd only) | 5.8494% | 2,295 |
| Net charge-offs to loans | -0.0046% | 3,320 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5531% | 1,183 |
| Assets per employee ($millions) | 4.9281% | 3,814 |
| Cash dividends to net income (ytd only)* | 17.0455% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 2,567 |
| Loan loss allowance to noncurrent loans | 1,936.3636% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 3,609 |
| Noncurrent loans to loans | 0.0649% | 3,525 |
| Net loans and leases to total assets | 65.3243% | 1,483 |
| Net loans and leases to deposits | 85.2759% | 789 |
| Net loans and leases to core deposits | 86.5850% | 1,100 |
| Total domestic deposits to total assets | 76.6034% | 4,480 |
| Equity capital to assets | 7.8881% | 3,657 |
| Core capital (leverage) ratio | 8.1868% | 4,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1295% | 2,560 |
| Memoranda: | ||
| Average total assets | $122,807,500 | 3,789 |
| Average earning assets | $113,989,000 | 3,784 |
| Average equity | $9,984,000 | 4,057 |
| Average total loans | $86,411,500 | 3,381 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6533% | 456 |
| Cost of funding earning assets | 0.8554% | 147 |
| Net interest margin | 3.7978% | 1,012 |
| Noninterest income to average assets | 0.2342% | 3,977 |
| Noninterest expense to average assets | 2.8633% | 1,229 |
| Loan and lease loss provision to assets | 0.0891% | 1,392 |
| Net operating income to assets | 0.7771% | 3,402 |
| Return on assets (ROA) | 0.7975% | 3,411 |
| Pretax return on assets | 0.8323% | 3,660 |
| Return on Equity (ROE) | 9.7389% | 2,628 |
| Retained earnings to average equity (ytd only) | 9.2209% | 1,129 |
| Net charge-offs to loans | 0.0012% | 2,627 |
| Credit loss provision to net charge-offs | 10,400.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 1,061.0000% | 138 |
| Efficiency ratio | 76.0821% | 1,099 |
| Assets per employee ($millions) | 4.1959% | 4,325 |
| Cash dividends to net income (ytd only)* | 5.3191% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2083% | 2,849 |
| Loan loss allowance to noncurrent loans | 2,660.0000% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 3,788 |
| Noncurrent loans to loans | 0.0454% | 3,752 |
| Net loans and leases to total assets | 74.0469% | 662 |
| Net loans and leases to deposits | 97.7340% | 259 |
| Net loans and leases to core deposits | 99.1272% | 576 |
| Total domestic deposits to total assets | 75.7637% | 4,521 |
| Equity capital to assets | 8.3934% | 4,118 |
| Core capital (leverage) ratio | 8.2482% | 4,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3276% | 2,817 |
| Memoranda: | ||
| Average total assets | $117,871,000 | 3,824 |
| Average earning assets | $109,536,000 | 3,815 |
| Average equity | $9,652,000 | 4,174 |
| Average total loans | $84,236,200 | 3,414 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8766% | 362 |
| Cost of funding earning assets | 0.8849% | 164 |
| Net interest margin | 3.9917% | 807 |
| Noninterest income to average assets | 0.2306% | 4,023 |
| Noninterest expense to average assets | 2.7713% | 1,405 |
| Loan and lease loss provision to assets | 0.0610% | 1,773 |
| Net operating income to assets | 1.0839% | 2,614 |
| Return on assets (ROA) | 1.0839% | 2,672 |
| Pretax return on assets | 1.1201% | 3,156 |
| Return on Equity (ROE) | 13.3195% | 1,608 |
| Retained earnings to average equity (ytd only) | 13.0417% | 632 |
| Net charge-offs to loans | 0.0016% | 2,356 |
| Credit loss provision to net charge-offs | 5,400.0000% | 144 |
| Earnings coverage of net charge-offs (x) | 1,045.0000% | 159 |
| Efficiency ratio | 70.1172% | 1,591 |
| Assets per employee ($millions) | 4.4395% | 4,165 |
| Cash dividends to net income (ytd only)* | 2.0855% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 2,780 |
| Loan loss allowance to noncurrent loans | 452.6786% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.1869% | 2,863 |
| Noncurrent loans to loans | 0.2744% | 2,818 |
| Net loans and leases to total assets | 67.2587% | 1,400 |
| Net loans and leases to deposits | 87.8837% | 721 |
| Net loans and leases to core deposits | 89.0938% | 1,087 |
| Total domestic deposits to total assets | 76.5315% | 4,520 |
| Equity capital to assets | 8.2675% | 4,373 |
| Core capital (leverage) ratio | 8.2892% | 4,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4040% | 2,582 |
| Memoranda: | ||
| Average total assets | $117,967,500 | 3,870 |
| Average earning assets | $109,992,000 | 3,858 |
| Average equity | $9,599,750 | 4,238 |
| Average total loans | $83,280,750 | 3,471 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5377% | 165 |
| Cost of funding earning assets | 0.9336% | 155 |
| Net interest margin | 4.6041% | 306 |
| Noninterest income to average assets | 0.2267% | 4,040 |
| Noninterest expense to average assets | 2.8295% | 1,289 |
| Loan and lease loss provision to assets | 0.0750% | 1,583 |
| Net operating income to assets | 1.5733% | 1,109 |
| Return on assets (ROA) | 1.5733% | 1,169 |
| Pretax return on assets | 1.6091% | 1,712 |
| Return on Equity (ROE) | 19.4391% | 502 |
| Retained earnings to average equity (ytd only) | 19.4391% | 171 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6888% | 2,630 |
| Assets per employee ($millions) | 4.3363% | 4,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 2,972 |
| Loan loss allowance to noncurrent loans | 362.8159% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.2281% | 2,785 |
| Noncurrent loans to loans | 0.3291% | 2,732 |
| Net loans and leases to total assets | 68.5044% | 1,383 |
| Net loans and leases to deposits | 89.9871% | 655 |
| Net loans and leases to core deposits | 91.2128% | 1,054 |
| Total domestic deposits to total assets | 76.1269% | 4,557 |
| Equity capital to assets | 8.1496% | 4,456 |
| Core capital (leverage) ratio | 8.2045% | 4,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,334,333 | 3,888 |
| Average earning assets | $109,251,333 | 3,884 |
| Average equity | $9,496,333 | 4,263 |
| Average total loans | $83,829,333 | 3,482 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2979% | 75 |
| Cost of funding earning assets | 1.0023% | 134 |
| Net interest margin | 5.2956% | 136 |
| Noninterest income to average assets | 0.2151% | 4,104 |
| Noninterest expense to average assets | 2.7859% | 1,396 |
| Loan and lease loss provision to assets | 0.0451% | 2,170 |
| Net operating income to assets | 2.2621% | 376 |
| Return on assets (ROA) | 2.2621% | 407 |
| Pretax return on assets | 2.2968% | 592 |
| Return on Equity (ROE) | 28.0521% | 184 |
| Retained earnings to average equity (ytd only) | 28.0521% | 97 |
| Net charge-offs to loans | 0.0048% | 1,742 |
| Credit loss provision to net charge-offs | 1,300.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 675.0000% | 141 |
| Efficiency ratio | 54.3302% | 3,748 |
| Assets per employee ($millions) | 4.2701% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 3,157 |
| Loan loss allowance to noncurrent loans | 305.9748% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.2660% | 2,821 |
| Noncurrent loans to loans | 0.3781% | 2,743 |
| Net loans and leases to total assets | 69.5218% | 1,354 |
| Net loans and leases to deposits | 91.3650% | 624 |
| Net loans and leases to core deposits | 92.6244% | 1,072 |
| Total domestic deposits to total assets | 76.0923% | 4,580 |
| Equity capital to assets | 8.0484% | 4,464 |
| Core capital (leverage) ratio | 8.3539% | 4,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,293,000 | 3,910 |
| Average earning assets | $106,957,000 | 3,911 |
| Average equity | $9,297,000 | 4,298 |
| Average total loans | $83,653,500 | 3,501 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6585% | 969 |
| Cost of funding earning assets | 1.2940% | 181 |
| Net interest margin | 3.3645% | 2,887 |
| Noninterest income to average assets | 0.2701% | 3,859 |
| Noninterest expense to average assets | 2.7801% | 1,996 |
| Loan and lease loss provision to assets | 0.0579% | 3,644 |
| Net operating income to assets | 0.5238% | 3,975 |
| Return on assets (ROA) | 0.5238% | 4,062 |
| Pretax return on assets | 0.5421% | 4,198 |
| Return on Equity (ROE) | 6.5134% | 3,402 |
| Retained earnings to average equity (ytd only) | 6.5134% | 1,588 |
| Net charge-offs to loans | 0.0076% | 3,063 |
| Credit loss provision to net charge-offs | 1,000.0000% | 779 |
| Earnings coverage of net charge-offs (x) | 103.6667% | 767 |
| Efficiency ratio | 82.2489% | 735 |
| Assets per employee ($millions) | 4.1119% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 3,187 |
| Loan loss allowance to noncurrent loans | 283.4808% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 2,776 |
| Noncurrent loans to loans | 0.4074% | 2,753 |
| Net loans and leases to total assets | 74.0844% | 1,015 |
| Net loans and leases to deposits | 100.5575% | 351 |
| Net loans and leases to core deposits | 102.7945% | 778 |
| Total domestic deposits to total assets | 73.6737% | 4,651 |
| Equity capital to assets | 8.0804% | 4,671 |
| Core capital (leverage) ratio | 8.1506% | 4,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,665,000 | 3,948 |
| Average earning assets | $95,824,000 | 3,947 |
| Average equity | $8,336,600 | 4,385 |
| Average total loans | $78,552,800 | 3,579 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8158% | 862 |
| Cost of funding earning assets | 1.3301% | 215 |
| Net interest margin | 3.4857% | 2,635 |
| Noninterest income to average assets | 0.2606% | 3,913 |
| Noninterest expense to average assets | 2.8204% | 1,918 |
| Loan and lease loss provision to assets | 0.0786% | 3,334 |
| Net operating income to assets | 0.5696% | 3,855 |
| Return on assets (ROA) | 0.5696% | 3,948 |
| Pretax return on assets | 0.5905% | 4,116 |
| Return on Equity (ROE) | 7.0920% | 3,159 |
| Retained earnings to average equity (ytd only) | 7.0920% | 1,650 |
| Net charge-offs to loans | 0.0052% | 2,956 |
| Credit loss provision to net charge-offs | 2,000.0000% | 472 |
| Earnings coverage of net charge-offs (x) | 170.3333% | 546 |
| Efficiency ratio | 80.8255% | 814 |
| Assets per employee ($millions) | 4.1438% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 2,655 |
| Loan loss allowance to noncurrent loans | 228.9786% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.3908% | 2,609 |
| Noncurrent loans to loans | 0.5245% | 2,488 |
| Net loans and leases to total assets | 73.6040% | 1,423 |
| Net loans and leases to deposits | 98.4421% | 600 |
| Net loans and leases to core deposits | 100.6537% | 1,121 |
| Total domestic deposits to total assets | 74.7689% | 4,522 |
| Equity capital to assets | 7.7622% | 4,789 |
| Core capital (leverage) ratio | 7.8569% | 4,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,825,750 | 3,967 |
| Average earning assets | $94,326,750 | 3,965 |
| Average equity | $8,178,000 | 4,420 |
| Average total loans | $77,388,250 | 3,619 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1033% | 685 |
| Cost of funding earning assets | 1.3658% | 260 |
| Net interest margin | 3.7375% | 2,034 |
| Noninterest income to average assets | 0.2784% | 3,805 |
| Noninterest expense to average assets | 2.8582% | 1,952 |
| Loan and lease loss provision to assets | 0.1001% | 3,021 |
| Net operating income to assets | 0.7451% | 3,227 |
| Return on assets (ROA) | 0.7451% | 3,342 |
| Pretax return on assets | 0.7731% | 3,663 |
| Return on Equity (ROE) | 9.1667% | 2,288 |
| Retained earnings to average equity (ytd only) | 9.1667% | 965 |
| Net charge-offs to loans | -0.0052% | 4,025 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5969% | 1,211 |
| Assets per employee ($millions) | 3.7632% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1984% | 2,526 |
| Loan loss allowance to noncurrent loans | 214.0625% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 2,604 |
| Noncurrent loans to loans | 0.5598% | 2,485 |
| Net loans and leases to total assets | 75.0365% | 1,277 |
| Net loans and leases to deposits | 101.0893% | 486 |
| Net loans and leases to core deposits | 103.4164% | 1,040 |
| Total domestic deposits to total assets | 74.2280% | 4,579 |
| Equity capital to assets | 7.8770% | 4,774 |
| Core capital (leverage) ratio | 8.0232% | 4,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,854,333 | 3,993 |
| Average earning assets | $92,254,000 | 3,994 |
| Average equity | $8,116,333 | 4,444 |
| Average total loans | $76,429,333 | 3,639 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1921% | 668 |
| Cost of funding earning assets | 1.4254% | 356 |
| Net interest margin | 3.7667% | 2,095 |
| Noninterest income to average assets | 0.2884% | 3,793 |
| Noninterest expense to average assets | 2.8549% | 2,257 |
| Loan and lease loss provision to assets | 0.0824% | 2,666 |
| Net operating income to assets | 0.7951% | 2,928 |
| Return on assets (ROA) | 0.7951% | 3,015 |
| Pretax return on assets | 0.8239% | 3,348 |
| Return on Equity (ROE) | 9.6205% | 1,870 |
| Retained earnings to average equity (ytd only) | 9.6205% | 822 |
| Net charge-offs to loans | -0.0054% | 3,889 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9036% | 1,572 |
| Assets per employee ($millions) | 3.5146% | 4,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 2,542 |
| Loan loss allowance to noncurrent loans | 199.5699% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.4725% | 2,580 |
| Noncurrent loans to loans | 0.6129% | 2,454 |
| Net loans and leases to total assets | 76.1528% | 1,278 |
| Net loans and leases to deposits | 104.4328% | 350 |
| Net loans and leases to core deposits | 107.0432% | 995 |
| Total domestic deposits to total assets | 72.9204% | 4,728 |
| Equity capital to assets | 8.2522% | 4,915 |
| Core capital (leverage) ratio | 8.2651% | 4,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2392% | 3,026 |
| Memoranda: | ||
| Average total assets | $97,096,500 | 4,031 |
| Average earning assets | $89,520,500 | 4,029 |
| Average equity | $8,024,500 | 4,479 |
| Average total loans | $74,631,500 | 3,674 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2077% | 975 |
| Cost of funding earning assets | 1.4382% | 487 |
| Net interest margin | 3.7695% | 2,616 |
| Noninterest income to average assets | 0.3446% | 3,645 |
| Noninterest expense to average assets | 3.0253% | 1,952 |
| Loan and lease loss provision to assets | 0.0656% | 2,704 |
| Net operating income to assets | 0.6981% | 3,875 |
| Return on assets (ROA) | 0.6981% | 3,940 |
| Pretax return on assets | 0.7265% | 4,148 |
| Return on Equity (ROE) | 8.3536% | 3,016 |
| Retained earnings to average equity (ytd only) | 7.1752% | 1,321 |
| Net charge-offs to loans | -0.0202% | 4,623 |
| Credit loss provision to net charge-offs | -428.5714% | 4,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2491% | 1,011 |
| Assets per employee ($millions) | 3.3029% | 4,636 |
| Cash dividends to net income (ytd only)* | 14.1066% | 3,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 2,253 |
| Loan loss allowance to noncurrent loans | 128.2885% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.7381% | 1,757 |
| Noncurrent loans to loans | 0.9633% | 1,588 |
| Net loans and leases to total assets | 75.6773% | 1,469 |
| Net loans and leases to deposits | 102.4465% | 446 |
| Net loans and leases to core deposits | 105.0644% | 1,163 |
| Total domestic deposits to total assets | 73.8701% | 4,778 |
| Equity capital to assets | 8.2770% | 4,985 |
| Core capital (leverage) ratio | 8.2938% | 4,946 |
| Tier 1 risk-based capital ratio | 10.7937% | 4,927 |
| Total risk-based capital ratio | 12.0286% | 4,839 |
| Memoranda: | ||
| Average total assets | $91,397,400 | 4,122 |
| Average earning assets | $84,202,000 | 4,120 |
| Average equity | $7,637,400 | 4,551 |
| Average total loans | $69,431,200 | 3,788 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2108% | 1,024 |
| Cost of funding earning assets | 1.4214% | 536 |
| Net interest margin | 3.7894% | 2,629 |
| Noninterest income to average assets | 0.3366% | 3,720 |
| Noninterest expense to average assets | 3.0165% | 1,928 |
| Loan and lease loss provision to assets | 0.0591% | 2,712 |
| Net operating income to assets | 0.7324% | 3,904 |
| Return on assets (ROA) | 0.7324% | 3,970 |
| Pretax return on assets | 0.7604% | 4,212 |
| Return on Equity (ROE) | 8.7421% | 2,988 |
| Retained earnings to average equity (ytd only) | 7.1558% | 1,785 |
| Net charge-offs to loans | -0.0136% | 4,471 |
| Credit loss provision to net charge-offs | -571.4286% | 4,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6374% | 1,044 |
| Assets per employee ($millions) | 3.2299% | 4,727 |
| Cash dividends to net income (ytd only)* | 18.1455% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 2,185 |
| Loan loss allowance to noncurrent loans | 118.5984% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.7922% | 1,742 |
| Noncurrent loans to loans | 1.0607% | 1,507 |
| Net loans and leases to total assets | 73.7402% | 1,865 |
| Net loans and leases to deposits | 101.0312% | 558 |
| Net loans and leases to core deposits | 103.6900% | 1,349 |
| Total domestic deposits to total assets | 72.9876% | 4,866 |
| Equity capital to assets | 8.3123% | 5,062 |
| Core capital (leverage) ratio | 8.3728% | 4,997 |
| Tier 1 risk-based capital ratio | 11.1132% | 4,855 |
| Total risk-based capital ratio | 12.3635% | 4,752 |
| Memoranda: | ||
| Average total assets | $90,301,000 | 4,196 |
| Average earning assets | $83,388,250 | 4,186 |
| Average equity | $7,564,750 | 4,612 |
| Average total loans | $68,440,750 | 3,841 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2468% | 905 |
| Cost of funding earning assets | 1.3894% | 556 |
| Net interest margin | 3.8574% | 2,381 |
| Noninterest income to average assets | 0.3499% | 3,598 |
| Noninterest expense to average assets | 3.0299% | 1,919 |
| Loan and lease loss provision to assets | 0.0673% | 2,468 |
| Net operating income to assets | 0.7872% | 3,699 |
| Return on assets (ROA) | 0.7872% | 3,758 |
| Pretax return on assets | 0.8141% | 4,054 |
| Return on Equity (ROE) | 9.3712% | 2,695 |
| Retained earnings to average equity (ytd only) | 6.9684% | 1,823 |
| Net charge-offs to loans | -0.0059% | 4,172 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4656% | 1,220 |
| Assets per employee ($millions) | 3.1779% | 4,784 |
| Cash dividends to net income (ytd only)* | 25.6410% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 2,196 |
| Loan loss allowance to noncurrent loans | 147.3595% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.6369% | 2,134 |
| Noncurrent loans to loans | 0.8548% | 1,893 |
| Net loans and leases to total assets | 73.5742% | 1,950 |
| Net loans and leases to deposits | 101.8154% | 555 |
| Net loans and leases to core deposits | 104.5518% | 1,334 |
| Total domestic deposits to total assets | 72.2624% | 4,960 |
| Equity capital to assets | 8.2910% | 5,122 |
| Core capital (leverage) ratio | 8.4670% | 4,973 |
| Tier 1 risk-based capital ratio | 11.2540% | 4,807 |
| Total risk-based capital ratio | 12.5044% | 4,697 |
| Memoranda: | ||
| Average total assets | $89,178,670 | 4,237 |
| Average earning assets | $82,336,000 | 4,233 |
| Average equity | $7,491,000 | 4,651 |
| Average total loans | $67,937,330 | 3,883 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2290% | 858 |
| Cost of funding earning assets | 1.3494% | 558 |
| Net interest margin | 3.8796% | 2,250 |
| Noninterest income to average assets | 0.3512% | 3,507 |
| Noninterest expense to average assets | 3.0244% | 1,920 |
| Loan and lease loss provision to assets | 0.1368% | 1,267 |
| Net operating income to assets | 0.7390% | 3,805 |
| Return on assets (ROA) | 0.7390% | 3,858 |
| Pretax return on assets | 0.7572% | 4,158 |
| Return on Equity (ROE) | 8.7379% | 2,929 |
| Retained earnings to average equity (ytd only) | 3.8835% | 3,360 |
| Net charge-offs to loans | -0.0059% | 4,069 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1828% | 1,363 |
| Assets per employee ($millions) | 3.2952% | 4,750 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 2,093 |
| Loan loss allowance to noncurrent loans | 106.0123% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.9160% | 1,531 |
| Noncurrent loans to loans | 1.2262% | 1,343 |
| Net loans and leases to total assets | 73.7338% | 1,858 |
| Net loans and leases to deposits | 101.9108% | 506 |
| Net loans and leases to core deposits | 103.9026% | 1,322 |
| Total domestic deposits to total assets | 72.3514% | 5,028 |
| Equity capital to assets | 8.3759% | 5,053 |
| Core capital (leverage) ratio | 8.5251% | 4,994 |
| Tier 1 risk-based capital ratio | 11.0074% | 4,969 |
| Total risk-based capital ratio | 12.2570% | 4,875 |
| Memoranda: | ||
| Average total assets | $87,688,000 | 4,301 |
| Average earning assets | $80,627,500 | 4,294 |
| Average equity | $7,416,000 | 4,696 |
| Average total loans | $67,570,500 | 3,930 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0650% | 917 |
| Cost of funding earning assets | 1.2193% | 313 |
| Net interest margin | 3.8456% | 2,518 |
| Noninterest income to average assets | 0.4299% | 3,244 |
| Noninterest expense to average assets | 3.0221% | 2,001 |
| Loan and lease loss provision to assets | 0.2628% | 646 |
| Net operating income to assets | 0.6857% | 4,178 |
| Return on assets (ROA) | 0.6857% | 4,183 |
| Pretax return on assets | 0.7114% | 4,384 |
| Return on Equity (ROE) | 8.3126% | 3,316 |
| Retained earnings to average equity (ytd only) | 8.3126% | 1,113 |
| Net charge-offs to loans | 0.0632% | 2,220 |
| Credit loss provision to net charge-offs | 511.3636% | 679 |
| Earnings coverage of net charge-offs (x) | 18.9545% | 2,096 |
| Efficiency ratio | 75.6212% | 1,416 |
| Assets per employee ($millions) | 3.2002% | 4,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 2,502 |
| Loan loss allowance to noncurrent loans | 106.7949% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.9027% | 1,536 |
| Noncurrent loans to loans | 1.1358% | 1,409 |
| Net loans and leases to total assets | 78.5165% | 1,177 |
| Net loans and leases to deposits | 107.9838% | 307 |
| Net loans and leases to core deposits | 110.1365% | 989 |
| Total domestic deposits to total assets | 72.7114% | 5,029 |
| Equity capital to assets | 8.5411% | 4,908 |
| Core capital (leverage) ratio | 8.6594% | 4,912 |
| Tier 1 risk-based capital ratio | 10.6789% | 5,118 |
| Total risk-based capital ratio | 11.8843% | 5,027 |
| Memoranda: | ||
| Average total assets | $85,603,800 | 4,333 |
| Average earning assets | $79,388,400 | 4,327 |
| Average equity | $7,061,600 | 4,736 |
| Average total loans | $69,644,800 | 3,874 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0131% | 925 |
| Cost of funding earning assets | 1.1799% | 283 |
| Net interest margin | 3.8331% | 2,514 |
| Noninterest income to average assets | 0.4481% | 3,181 |
| Noninterest expense to average assets | 2.9741% | 2,091 |
| Loan and lease loss provision to assets | 0.3513% | 384 |
| Net operating income to assets | 0.6698% | 4,319 |
| Return on assets (ROA) | 0.6698% | 4,331 |
| Pretax return on assets | 0.6932% | 4,550 |
| Return on Equity (ROE) | 8.1924% | 3,470 |
| Retained earnings to average equity (ytd only) | 8.1924% | 1,559 |
| Net charge-offs to loans | 0.0687% | 1,853 |
| Credit loss provision to net charge-offs | 625.0000% | 574 |
| Earnings coverage of net charge-offs (x) | 18.5829% | 2,044 |
| Efficiency ratio | 74.0093% | 1,592 |
| Assets per employee ($millions) | 3.2591% | 4,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 2,748 |
| Loan loss allowance to noncurrent loans | 81.0212% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.1796% | 1,191 |
| Noncurrent loans to loans | 1.4551% | 1,126 |
| Net loans and leases to total assets | 80.1084% | 1,003 |
| Net loans and leases to deposits | 114.1587% | 181 |
| Net loans and leases to core deposits | 116.4635% | 695 |
| Total domestic deposits to total assets | 70.1728% | 5,207 |
| Equity capital to assets | 8.2048% | 5,082 |
| Core capital (leverage) ratio | 8.2568% | 5,222 |
| Tier 1 risk-based capital ratio | 10.2345% | 5,318 |
| Total risk-based capital ratio | 11.4266% | 5,269 |
| Memoranda: | ||
| Average total assets | $85,403,250 | 4,382 |
| Average earning assets | $79,549,750 | 4,373 |
| Average equity | $6,982,000 | 4,800 |
| Average total loans | $69,887,000 | 3,909 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9431% | 935 |
| Cost of funding earning assets | 1.1507% | 228 |
| Net interest margin | 3.7924% | 2,586 |
| Noninterest income to average assets | 0.4235% | 3,329 |
| Noninterest expense to average assets | 2.9643% | 2,152 |
| Loan and lease loss provision to assets | 0.5323% | 209 |
| Net operating income to assets | 0.4306% | 4,903 |
| Return on assets (ROA) | 0.4306% | 4,909 |
| Pretax return on assets | 0.4590% | 4,972 |
| Return on Equity (ROE) | 5.2733% | 4,469 |
| Retained earnings to average equity (ytd only) | 5.2733% | 2,943 |
| Net charge-offs to loans | 0.1095% | 1,278 |
| Credit loss provision to net charge-offs | 592.1053% | 632 |
| Earnings coverage of net charge-offs (x) | 11.0263% | 2,299 |
| Efficiency ratio | 74.9402% | 1,572 |
| Assets per employee ($millions) | 3.3483% | 4,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 2,748 |
| Loan loss allowance to noncurrent loans | 91.6940% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.0510% | 1,417 |
| Noncurrent loans to loans | 1.3039% | 1,309 |
| Net loans and leases to total assets | 79.6453% | 1,075 |
| Net loans and leases to deposits | 107.7801% | 358 |
| Net loans and leases to core deposits | 109.8566% | 1,013 |
| Total domestic deposits to total assets | 73.8961% | 5,054 |
| Equity capital to assets | 8.0109% | 5,219 |
| Core capital (leverage) ratio | 8.2731% | 5,227 |
| Tier 1 risk-based capital ratio | 10.0462% | 5,423 |
| Total risk-based capital ratio | 11.2548% | 5,372 |
| Memoranda: | ||
| Average total assets | $84,538,670 | 4,436 |
| Average earning assets | $78,736,000 | 4,428 |
| Average equity | $6,902,670 | 4,860 |
| Average total loans | $69,404,670 | 3,946 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9259% | 824 |
| Cost of funding earning assets | 1.1320% | 191 |
| Net interest margin | 3.7939% | 2,454 |
| Noninterest income to average assets | 0.5139% | 2,723 |
| Noninterest expense to average assets | 3.1172% | 1,776 |
| Loan and lease loss provision to assets | 0.1729% | 1,015 |
| Net operating income to assets | 0.7205% | 4,025 |
| Return on assets (ROA) | 0.7205% | 4,033 |
| Pretax return on assets | 0.7493% | 4,300 |
| Return on Equity (ROE) | 8.7374% | 3,033 |
| Retained earnings to average equity (ytd only) | 8.7374% | 1,559 |
| Net charge-offs to loans | 0.1970% | 748 |
| Credit loss provision to net charge-offs | 105.8824% | 1,492 |
| Earnings coverage of net charge-offs (x) | 5.6471% | 2,217 |
| Efficiency ratio | 77.1700% | 1,435 |
| Assets per employee ($millions) | 3.3152% | 4,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 4,209 |
| Loan loss allowance to noncurrent loans | 173.0159% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.4561% | 3,016 |
| Noncurrent loans to loans | 0.5499% | 2,876 |
| Net loans and leases to total assets | 82.1547% | 645 |
| Net loans and leases to deposits | 114.2433% | 176 |
| Net loans and leases to core deposits | 116.6107% | 707 |
| Total domestic deposits to total assets | 71.9121% | 5,289 |
| Equity capital to assets | 8.3761% | 5,063 |
| Core capital (leverage) ratio | 8.2981% | 5,263 |
| Tier 1 risk-based capital ratio | 10.0450% | 5,494 |
| Total risk-based capital ratio | 10.9913% | 5,510 |
| Memoranda: | ||
| Average total assets | $83,280,000 | 4,509 |
| Average earning assets | $77,387,000 | 4,501 |
| Average equity | $6,867,000 | 4,913 |
| Average total loans | $69,019,500 | 3,988 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7580% | 1,059 |
| Cost of funding earning assets | 1.1279% | 115 |
| Net interest margin | 3.6301% | 3,063 |
| Noninterest income to average assets | 0.3826% | 3,745 |
| Noninterest expense to average assets | 3.2339% | 1,542 |
| Loan and lease loss provision to assets | 0.1974% | 1,054 |
| Net operating income to assets | 0.3384% | 4,853 |
| Return on assets (ROA) | 0.3372% | 4,880 |
| Pretax return on assets | 0.3483% | 5,157 |
| Return on Equity (ROE) | 4.2032% | 4,440 |
| Retained earnings to average equity (ytd only) | 4.0962% | 2,711 |
| Net charge-offs to loans | 0.1270% | 1,778 |
| Credit loss provision to net charge-offs | 191.6667% | 1,423 |
| Earnings coverage of net charge-offs (x) | 5.3095% | 3,349 |
| Efficiency ratio | 85.5336% | 672 |
| Assets per employee ($millions) | 3.0993% | 5,124 |
| Cash dividends to net income (ytd only)* | 2.5455% | 4,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9409% | 4,270 |
| Loan loss allowance to noncurrent loans | 145.5357% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.5354% | 2,770 |
| Noncurrent loans to loans | 0.6465% | 2,605 |
| Net loans and leases to total assets | 82.0306% | 681 |
| Net loans and leases to deposits | 116.9085% | 143 |
| Net loans and leases to core deposits | 119.3580% | 609 |
| Total domestic deposits to total assets | 70.1665% | 5,405 |
| Equity capital to assets | 8.1165% | 5,343 |
| Core capital (leverage) ratio | 8.1354% | 5,386 |
| Tier 1 risk-based capital ratio | 9.8026% | 5,569 |
| Total risk-based capital ratio | 10.7436% | 5,584 |
| Memoranda: | ||
| Average total assets | $81,542,200 | 4,559 |
| Average earning assets | $76,334,600 | 4,534 |
| Average equity | $6,542,600 | 5,018 |
| Average total loans | $66,120,600 | 4,051 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7277% | 1,079 |
| Cost of funding earning assets | 1.1060% | 108 |
| Net interest margin | 3.6217% | 3,063 |
| Noninterest income to average assets | 0.3851% | 3,782 |
| Noninterest expense to average assets | 3.1865% | 1,589 |
| Loan and lease loss provision to assets | 0.2370% | 752 |
| Net operating income to assets | 0.3456% | 5,124 |
| Return on assets (ROA) | 0.3440% | 5,148 |
| Pretax return on assets | 0.3555% | 5,249 |
| Return on Equity (ROE) | 4.3001% | 4,769 |
| Retained earnings to average equity (ytd only) | 4.1562% | 3,432 |
| Net charge-offs to loans | 0.0245% | 2,959 |
| Credit loss provision to net charge-offs | 1,200.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 30.0825% | 1,551 |
| Efficiency ratio | 84.2838% | 733 |
| Assets per employee ($millions) | 3.1923% | 5,075 |
| Cash dividends to net income (ytd only)* | 3.3482% | 3,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 3,828 |
| Loan loss allowance to noncurrent loans | 95.4116% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 0.8928% | 1,919 |
| Noncurrent loans to loans | 1.0924% | 1,766 |
| Net loans and leases to total assets | 80.8749% | 860 |
| Net loans and leases to deposits | 115.9121% | 155 |
| Net loans and leases to core deposits | 118.3668% | 639 |
| Total domestic deposits to total assets | 69.7727% | 5,487 |
| Equity capital to assets | 8.1035% | 5,479 |
| Core capital (leverage) ratio | 8.0618% | 5,493 |
| Tier 1 risk-based capital ratio | 10.1222% | 5,569 |
| Total risk-based capital ratio | 11.1862% | 5,579 |
| Memoranda: | ||
| Average total assets | $81,007,500 | 4,612 |
| Average earning assets | $75,948,250 | 4,586 |
| Average equity | $6,480,250 | 5,082 |
| Average total loans | $65,326,750 | 4,097 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6565% | 1,147 |
| Cost of funding earning assets | 1.0824% | 109 |
| Net interest margin | 3.5742% | 3,132 |
| Noninterest income to average assets | 0.3709% | 3,903 |
| Noninterest expense to average assets | 3.2536% | 1,462 |
| Loan and lease loss provision to assets | 0.2639% | 623 |
| Net operating income to assets | 0.1917% | 5,406 |
| Return on assets (ROA) | 0.1917% | 5,416 |
| Pretax return on assets | 0.1991% | 5,430 |
| Return on Equity (ROE) | 2.4069% | 5,256 |
| Retained earnings to average equity (ytd only) | 2.1881% | 4,366 |
| Net charge-offs to loans | -0.0124% | 4,604 |
| Credit loss provision to net charge-offs | -2,650.0000% | 4,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5419% | 571 |
| Assets per employee ($millions) | 3.0790% | 5,205 |
| Cash dividends to net income (ytd only)* | 9.0909% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 4,020 |
| Loan loss allowance to noncurrent loans | 56.7053% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 1.4531% | 1,069 |
| Noncurrent loans to loans | 1.8016% | 1,001 |
| Net loans and leases to total assets | 79.8345% | 981 |
| Net loans and leases to deposits | 113.1594% | 208 |
| Net loans and leases to core deposits | 115.5150% | 740 |
| Total domestic deposits to total assets | 70.5504% | 5,520 |
| Equity capital to assets | 7.8117% | 5,596 |
| Core capital (leverage) ratio | 7.9397% | 5,559 |
| Tier 1 risk-based capital ratio | 10.0809% | 5,609 |
| Total risk-based capital ratio | 11.1442% | 5,616 |
| Memoranda: | ||
| Average total assets | $80,343,000 | 4,658 |
| Average earning assets | $75,206,000 | 4,631 |
| Average equity | $6,398,330 | 5,122 |
| Average total loans | $64,491,000 | 4,137 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5539% | 1,250 |
| Cost of funding earning assets | 1.0626% | 116 |
| Net interest margin | 3.4913% | 3,304 |
| Noninterest income to average assets | 0.3547% | 4,001 |
| Noninterest expense to average assets | 3.3288% | 1,330 |
| Loan and lease loss provision to assets | 0.1317% | 1,453 |
| Net operating income to assets | 0.1520% | 5,459 |
| Return on assets (ROA) | 0.1520% | 5,468 |
| Pretax return on assets | 0.1571% | 5,478 |
| Return on Equity (ROE) | 1.8896% | 5,354 |
| Retained earnings to average equity (ytd only) | 1.4487% | 4,523 |
| Net charge-offs to loans | -0.0253% | 4,854 |
| Credit loss provision to net charge-offs | -650.0000% | 4,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0168% | 454 |
| Assets per employee ($millions) | 3.2524% | 5,103 |
| Cash dividends to net income (ytd only)* | 23.3333% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 4,588 |
| Loan loss allowance to noncurrent loans | 74.5074% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 0.9986% | 1,824 |
| Noncurrent loans to loans | 1.2656% | 1,593 |
| Net loans and leases to total assets | 78.1616% | 1,110 |
| Net loans and leases to deposits | 112.3934% | 168 |
| Net loans and leases to core deposits | 113.5826% | 697 |
| Total domestic deposits to total assets | 69.5429% | 5,644 |
| Equity capital to assets | 7.9288% | 5,552 |
| Core capital (leverage) ratio | 8.1156% | 5,501 |
| Tier 1 risk-based capital ratio | 10.3491% | 5,608 |
| Total risk-based capital ratio | 11.3203% | 5,640 |
| Memoranda: | ||
| Average total assets | $78,948,500 | 4,734 |
| Average earning assets | $73,783,000 | 4,710 |
| Average equity | $6,350,500 | 5,185 |
| Average total loans | $63,210,000 | 4,201 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7875% | 912 |
| Cost of funding earning assets | 0.9783% | 196 |
| Net interest margin | 3.8093% | 2,289 |
| Noninterest income to average assets | 0.4423% | 3,600 |
| Noninterest expense to average assets | 3.1545% | 1,885 |
| Loan and lease loss provision to assets | 0.1826% | 1,302 |
| Net operating income to assets | 0.6377% | 4,055 |
| Return on assets (ROA) | 0.6377% | 4,165 |
| Pretax return on assets | 0.6663% | 4,602 |
| Return on Equity (ROE) | 7.7370% | 3,091 |
| Retained earnings to average equity (ytd only) | 6.1966% | 1,612 |
| Net charge-offs to loans | 0.1162% | 2,098 |
| Credit loss provision to net charge-offs | 191.0448% | 1,486 |
| Earnings coverage of net charge-offs (x) | 8.8806% | 2,824 |
| Efficiency ratio | 78.7954% | 1,578 |
| Assets per employee ($millions) | 3.0634% | 5,303 |
| Cash dividends to net income (ytd only)* | 19.9105% | 3,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9235% | 4,680 |
| Loan loss allowance to noncurrent loans | 36.3464% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 2.0657% | 648 |
| Noncurrent loans to loans | 2.5409% | 616 |
| Net loans and leases to total assets | 80.5447% | 805 |
| Net loans and leases to deposits | 118.0029% | 111 |
| Net loans and leases to core deposits | 119.9417% | 484 |
| Total domestic deposits to total assets | 68.2566% | 5,709 |
| Equity capital to assets | 8.1660% | 5,488 |
| Core capital (leverage) ratio | 8.5135% | 5,246 |
| Tier 1 risk-based capital ratio | 10.6067% | 5,526 |
| Total risk-based capital ratio | 11.5818% | 5,585 |
| Memoranda: | ||
| Average total assets | $70,090,400 | 4,931 |
| Average earning assets | $65,524,600 | 4,904 |
| Average equity | $5,777,400 | 5,317 |
| Average total loans | $57,634,600 | 4,358 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8238% | 853 |
| Cost of funding earning assets | 0.9718% | 199 |
| Net interest margin | 3.8520% | 2,150 |
| Noninterest income to average assets | 0.4537% | 3,533 |
| Noninterest expense to average assets | 3.1684% | 1,858 |
| Loan and lease loss provision to assets | 0.1285% | 1,816 |
| Net operating income to assets | 0.7342% | 3,675 |
| Return on assets (ROA) | 0.7342% | 3,810 |
| Pretax return on assets | 0.7614% | 4,435 |
| Return on Equity (ROE) | 8.8835% | 2,564 |
| Retained earnings to average equity (ytd only) | 6.7864% | 1,732 |
| Net charge-offs to loans | -0.0118% | 4,831 |
| Credit loss provision to net charge-offs | -1,320.0000% | 5,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0710% | 1,683 |
| Assets per employee ($millions) | 3.1185% | 5,270 |
| Cash dividends to net income (ytd only)* | 23.6069% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9739% | 4,541 |
| Loan loss allowance to noncurrent loans | 45.2436% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 1.8027% | 910 |
| Noncurrent loans to loans | 2.1526% | 879 |
| Net loans and leases to total assets | 82.9306% | 517 |
| Net loans and leases to deposits | 123.2481% | 84 |
| Net loans and leases to core deposits | 125.4418% | 382 |
| Total domestic deposits to total assets | 67.2876% | 5,786 |
| Equity capital to assets | 8.6218% | 5,453 |
| Core capital (leverage) ratio | 8.6346% | 5,227 |
| Tier 1 risk-based capital ratio | 10.8839% | 5,437 |
| Total risk-based capital ratio | 11.9135% | 5,455 |
| Memoranda: | ||
| Average total assets | $68,466,500 | 5,008 |
| Average earning assets | $64,069,500 | 4,980 |
| Average equity | $5,658,250 | 5,394 |
| Average total loans | $56,478,000 | 4,427 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8228% | 849 |
| Cost of funding earning assets | 0.9335% | 244 |
| Net interest margin | 3.8894% | 2,019 |
| Noninterest income to average assets | 0.4512% | 3,515 |
| Noninterest expense to average assets | 3.2146% | 1,776 |
| Loan and lease loss provision to assets | 0.1217% | 1,880 |
| Net operating income to assets | 0.7242% | 3,676 |
| Return on assets (ROA) | 0.7242% | 3,835 |
| Pretax return on assets | 0.7510% | 4,448 |
| Return on Equity (ROE) | 8.9002% | 2,540 |
| Retained earnings to average equity (ytd only) | 6.3834% | 1,924 |
| Net charge-offs to loans | -0.0398% | 5,263 |
| Credit loss provision to net charge-offs | -372.7273% | 4,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6492% | 1,698 |
| Assets per employee ($millions) | 3.0140% | 5,416 |
| Cash dividends to net income (ytd only)* | 28.2787% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 4,612 |
| Loan loss allowance to noncurrent loans | 435.3846% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 4,741 |
| Noncurrent loans to loans | 0.2252% | 4,533 |
| Net loans and leases to total assets | 82.4599% | 578 |
| Net loans and leases to deposits | 120.6764% | 96 |
| Net loans and leases to core deposits | 122.8630% | 440 |
| Total domestic deposits to total assets | 68.3314% | 5,833 |
| Equity capital to assets | 8.0365% | 5,798 |
| Core capital (leverage) ratio | 8.1846% | 5,609 |
| Tier 1 risk-based capital ratio | 10.0182% | 5,852 |
| Total risk-based capital ratio | 11.0360% | 5,865 |
| Memoranda: | ||
| Average total assets | $67,380,330 | 5,080 |
| Average earning assets | $62,992,000 | 5,049 |
| Average equity | $5,483,000 | 5,478 |
| Average total loans | $55,281,670 | 4,496 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8540% | 760 |
| Cost of funding earning assets | 0.9101% | 277 |
| Net interest margin | 3.9439% | 1,802 |
| Noninterest income to average assets | 0.4758% | 3,304 |
| Noninterest expense to average assets | 3.3188% | 1,558 |
| Loan and lease loss provision to assets | 0.0663% | 2,637 |
| Net operating income to assets | 0.7469% | 3,499 |
| Return on assets (ROA) | 0.7469% | 3,603 |
| Pretax return on assets | 0.7710% | 4,298 |
| Return on Equity (ROE) | 9.1193% | 2,358 |
| Retained earnings to average equity (ytd only) | 6.3247% | 2,221 |
| Net charge-offs to loans | -0.0888% | 5,584 |
| Credit loss provision to net charge-offs | -91.6667% | 4,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8551% | 1,627 |
| Assets per employee ($millions) | 2.8204% | 5,672 |
| Cash dividends to net income (ytd only)* | 30.6452% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 4,800 |
| Loan loss allowance to noncurrent loans | 380.8511% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2083% | 4,720 |
| Noncurrent loans to loans | 0.2525% | 4,528 |
| Net loans and leases to total assets | 81.6871% | 604 |
| Net loans and leases to deposits | 117.5743% | 114 |
| Net loans and leases to core deposits | 119.7151% | 473 |
| Total domestic deposits to total assets | 69.4770% | 5,886 |
| Equity capital to assets | 8.0987% | 5,782 |
| Core capital (leverage) ratio | 8.3771% | 5,491 |
| Tier 1 risk-based capital ratio | 10.1837% | 5,868 |
| Total risk-based capital ratio | 11.1813% | 5,893 |
| Memoranda: | ||
| Average total assets | $66,410,000 | 5,137 |
| Average earning assets | $61,969,000 | 5,118 |
| Average equity | $5,439,000 | 5,521 |
| Average total loans | $54,058,500 | 4,552 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5022% | 1,590 |
| Cost of funding earning assets | 0.8681% | 338 |
| Net interest margin | 3.6341% | 3,001 |
| Noninterest income to average assets | 0.4967% | 3,354 |
| Noninterest expense to average assets | 3.0617% | 2,345 |
| Loan and lease loss provision to assets | 0.0674% | 2,945 |
| Net operating income to assets | 0.7192% | 3,713 |
| Return on assets (ROA) | 0.7192% | 3,823 |
| Pretax return on assets | 0.7458% | 4,381 |
| Return on Equity (ROE) | 8.8269% | 2,539 |
| Retained earnings to average equity (ytd only) | 6.9615% | 1,299 |
| Net charge-offs to loans | 0.0159% | 3,973 |
| Credit loss provision to net charge-offs | 537.5000% | 609 |
| Earnings coverage of net charge-offs (x) | 64.8750% | 826 |
| Efficiency ratio | 79.0133% | 1,815 |
| Assets per employee ($millions) | 2.9605% | 5,559 |
| Cash dividends to net income (ytd only)* | 21.1329% | 3,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 4,702 |
| Loan loss allowance to noncurrent loans | 198.4556% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.3977% | 4,007 |
| Noncurrent loans to loans | 0.4954% | 3,710 |
| Net loans and leases to total assets | 79.4903% | 919 |
| Net loans and leases to deposits | 112.4500% | 193 |
| Net loans and leases to core deposits | 115.1743% | 630 |
| Total domestic deposits to total assets | 70.6894% | 5,864 |
| Equity capital to assets | 8.2850% | 5,713 |
| Core capital (leverage) ratio | 8.2111% | 5,688 |
| Tier 1 risk-based capital ratio | 10.6250% | 5,716 |
| Total risk-based capital ratio | 11.6371% | 5,747 |
| Memoranda: | ||
| Average total assets | $63,821,200 | 5,229 |
| Average earning assets | $59,327,000 | 5,202 |
| Average equity | $5,200,000 | 5,607 |
| Average total loans | $50,305,400 | 4,659 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4542% | 1,744 |
| Cost of funding earning assets | 0.8452% | 385 |
| Net interest margin | 3.6090% | 3,124 |
| Noninterest income to average assets | 0.5145% | 3,265 |
| Noninterest expense to average assets | 3.0700% | 2,301 |
| Loan and lease loss provision to assets | 0.0525% | 3,146 |
| Net operating income to assets | 0.7182% | 3,830 |
| Return on assets (ROA) | 0.7182% | 3,930 |
| Pretax return on assets | 0.7455% | 4,516 |
| Return on Equity (ROE) | 8.8525% | 2,655 |
| Retained earnings to average equity (ytd only) | 6.3417% | 2,045 |
| Net charge-offs to loans | 0.0054% | 3,987 |
| Credit loss provision to net charge-offs | 1,250.0000% | 292 |
| Earnings coverage of net charge-offs (x) | 189.7566% | 378 |
| Efficiency ratio | 79.3702% | 1,748 |
| Assets per employee ($millions) | 2.9197% | 5,632 |
| Cash dividends to net income (ytd only)* | 28.3625% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0086% | 4,704 |
| Loan loss allowance to noncurrent loans | 192.3372% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 4,212 |
| Noncurrent loans to loans | 0.5244% | 3,768 |
| Net loans and leases to total assets | 73.3657% | 1,846 |
| Net loans and leases to deposits | 102.9097% | 500 |
| Net loans and leases to core deposits | 104.7408% | 1,185 |
| Total domestic deposits to total assets | 71.2914% | 5,913 |
| Equity capital to assets | 7.8610% | 6,004 |
| Core capital (leverage) ratio | 8.2545% | 5,742 |
| Tier 1 risk-based capital ratio | 10.8933% | 5,708 |
| Total risk-based capital ratio | 11.9292% | 5,740 |
| Memoranda: | ||
| Average total assets | $63,494,000 | 5,297 |
| Average earning assets | $58,999,250 | 5,273 |
| Average equity | $5,151,000 | 5,689 |
| Average total loans | $49,810,250 | 4,723 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 1,573 |
| Cost of funding earning assets | 0.8374% | 411 |
| Net interest margin | 3.6520% | 2,904 |
| Noninterest income to average assets | 0.5074% | 3,323 |
| Noninterest expense to average assets | 3.0671% | 2,344 |
| Loan and lease loss provision to assets | 0.0803% | 2,505 |
| Net operating income to assets | 0.7098% | 3,841 |
| Return on assets (ROA) | 0.7098% | 3,969 |
| Pretax return on assets | 0.7355% | 4,544 |
| Return on Equity (ROE) | 8.6525% | 2,719 |
| Retained earnings to average equity (ytd only) | 6.3426% | 2,037 |
| Net charge-offs to loans | 0.0401% | 2,878 |
| Credit loss provision to net charge-offs | 250.0000% | 1,047 |
| Earnings coverage of net charge-offs (x) | 25.4000% | 1,523 |
| Efficiency ratio | 78.9909% | 1,916 |
| Assets per employee ($millions) | 2.7137% | 5,904 |
| Cash dividends to net income (ytd only)* | 26.6968% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 4,964 |
| Loan loss allowance to noncurrent loans | 374.2424% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.2115% | 5,019 |
| Noncurrent loans to loans | 0.2621% | 4,735 |
| Net loans and leases to total assets | 79.9051% | 814 |
| Net loans and leases to deposits | 112.9501% | 202 |
| Net loans and leases to core deposits | 115.1273% | 618 |
| Total domestic deposits to total assets | 70.7437% | 6,002 |
| Equity capital to assets | 8.3251% | 5,814 |
| Core capital (leverage) ratio | 8.4240% | 5,606 |
| Tier 1 risk-based capital ratio | 10.4606% | 5,938 |
| Total risk-based capital ratio | 11.4551% | 5,968 |
| Memoranda: | ||
| Average total assets | $62,274,000 | 5,386 |
| Average earning assets | $57,557,670 | 5,383 |
| Average equity | $5,108,330 | 5,753 |
| Average total loans | $49,823,670 | 4,755 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3867% | 1,816 |
| Cost of funding earning assets | 0.8142% | 466 |
| Net interest margin | 3.5725% | 3,113 |
| Noninterest income to average assets | 0.4759% | 3,460 |
| Noninterest expense to average assets | 2.9516% | 2,730 |
| Loan and lease loss provision to assets | 0.1286% | 1,613 |
| Net operating income to assets | 0.6430% | 4,072 |
| Return on assets (ROA) | 0.6430% | 4,192 |
| Pretax return on assets | 0.6688% | 4,698 |
| Return on Equity (ROE) | 7.8981% | 3,006 |
| Retained earnings to average equity (ytd only) | 4.8178% | 3,166 |
| Net charge-offs to loans | -0.0969% | 5,846 |
| Credit loss provision to net charge-offs | -166.6667% | 4,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7307% | 2,082 |
| Assets per employee ($millions) | 2.8316% | 5,851 |
| Cash dividends to net income (ytd only)* | 39.0000% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 4,776 |
| Loan loss allowance to noncurrent loans | 107.3529% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.7641% | 3,198 |
| Noncurrent loans to loans | 0.9757% | 2,818 |
| Net loans and leases to total assets | 77.4945% | 995 |
| Net loans and leases to deposits | 107.9589% | 256 |
| Net loans and leases to core deposits | 109.3875% | 778 |
| Total domestic deposits to total assets | 71.7815% | 6,045 |
| Equity capital to assets | 8.1787% | 5,947 |
| Core capital (leverage) ratio | 8.2684% | 5,764 |
| Tier 1 risk-based capital ratio | 10.2911% | 6,080 |
| Total risk-based capital ratio | 11.3232% | 6,103 |
| Memoranda: | ||
| Average total assets | $62,204,000 | 5,446 |
| Average earning assets | $56,991,000 | 5,445 |
| Average equity | $5,064,500 | 5,820 |
| Average total loans | $49,552,500 | 4,797 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3630% | 2,358 |
| Cost of funding earning assets | 0.7444% | 869 |
| Net interest margin | 3.6186% | 3,336 |
| Noninterest income to average assets | 0.5351% | 3,270 |
| Noninterest expense to average assets | 3.1485% | 2,366 |
| Loan and lease loss provision to assets | 0.0418% | 3,742 |
| Net operating income to assets | 0.6588% | 4,094 |
| Return on assets (ROA) | 0.6588% | 4,195 |
| Pretax return on assets | 0.6856% | 4,676 |
| Return on Equity (ROE) | 8.0648% | 3,102 |
| Retained earnings to average equity (ytd only) | 5.2196% | 2,453 |
| Net charge-offs to loans | -0.0176% | 5,675 |
| Credit loss provision to net charge-offs | -312.5000% | 5,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2338% | 1,744 |
| Assets per employee ($millions) | 2.8233% | 5,907 |
| Cash dividends to net income (ytd only)* | 35.2792% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9519% | 5,285 |
| Loan loss allowance to noncurrent loans | 301.2579% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 5,006 |
| Noncurrent loans to loans | 0.3160% | 4,713 |
| Net loans and leases to total assets | 80.2405% | 714 |
| Net loans and leases to deposits | 115.1442% | 145 |
| Net loans and leases to core deposits | 116.7162% | 505 |
| Total domestic deposits to total assets | 69.6870% | 6,209 |
| Equity capital to assets | 8.1047% | 6,008 |
| Core capital (leverage) ratio | 8.3974% | 5,661 |
| Tier 1 risk-based capital ratio | 10.0817% | 6,235 |
| Total risk-based capital ratio | 11.0410% | 6,272 |
| Memoranda: | ||
| Average total assets | $59,805,400 | 5,555 |
| Average earning assets | $55,214,600 | 5,542 |
| Average equity | $4,885,400 | 5,883 |
| Average total loans | $45,508,600 | 4,977 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3184% | 2,549 |
| Cost of funding earning assets | 0.7319% | 980 |
| Net interest margin | 3.5866% | 3,486 |
| Noninterest income to average assets | 0.5470% | 3,220 |
| Noninterest expense to average assets | 3.1898% | 2,207 |
| Loan and lease loss provision to assets | 0.0225% | 3,954 |
| Net operating income to assets | 0.6416% | 4,255 |
| Return on assets (ROA) | 0.6416% | 4,348 |
| Pretax return on assets | 0.6663% | 4,816 |
| Return on Equity (ROE) | 7.8377% | 3,295 |
| Retained earnings to average equity (ytd only) | 4.0151% | 3,790 |
| Net charge-offs to loans | -0.0692% | 6,029 |
| Credit loss provision to net charge-offs | -43.4783% | 5,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2403% | 1,584 |
| Assets per employee ($millions) | 2.7683% | 6,007 |
| Cash dividends to net income (ytd only)* | 48.7723% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 4,964 |
| Loan loss allowance to noncurrent loans | 280.1170% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 5,090 |
| Noncurrent loans to loans | 0.3768% | 4,783 |
| Net loans and leases to total assets | 77.2426% | 1,058 |
| Net loans and leases to deposits | 106.3973% | 313 |
| Net loans and leases to core deposits | 107.8851% | 862 |
| Total domestic deposits to total assets | 72.5983% | 6,126 |
| Equity capital to assets | 8.4717% | 5,819 |
| Core capital (leverage) ratio | 8.3534% | 5,797 |
| Tier 1 risk-based capital ratio | 11.0515% | 5,969 |
| Total risk-based capital ratio | 12.1264% | 6,005 |
| Memoranda: | ||
| Average total assets | $59,228,750 | 5,630 |
| Average earning assets | $55,018,750 | 5,613 |
| Average equity | $4,848,250 | 5,955 |
| Average total loans | $44,306,250 | 5,080 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2262% | 2,858 |
| Cost of funding earning assets | 0.7315% | 1,015 |
| Net interest margin | 3.4946% | 3,806 |
| Noninterest income to average assets | 0.4866% | 3,580 |
| Noninterest expense to average assets | 3.0775% | 2,575 |
| Loan and lease loss provision to assets | 0.0336% | 3,616 |
| Net operating income to assets | 0.5907% | 4,401 |
| Return on assets (ROA) | 0.5907% | 4,496 |
| Pretax return on assets | 0.6142% | 4,911 |
| Return on Equity (ROE) | 7.2989% | 3,467 |
| Retained earnings to average equity (ytd only) | 3.1518% | 4,198 |
| Net charge-offs to loans | -0.0910% | 6,119 |
| Credit loss provision to net charge-offs | -50.0000% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6126% | 1,679 |
| Assets per employee ($millions) | 2.5937% | 6,217 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 5,078 |
| Loan loss allowance to noncurrent loans | 344.9275% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 5,405 |
| Noncurrent loans to loans | 0.3070% | 5,094 |
| Net loans and leases to total assets | 74.5558% | 1,369 |
| Net loans and leases to deposits | 100.8983% | 511 |
| Net loans and leases to core deposits | 102.2460% | 1,117 |
| Total domestic deposits to total assets | 73.8920% | 6,119 |
| Equity capital to assets | 8.1383% | 6,073 |
| Core capital (leverage) ratio | 8.2326% | 5,902 |
| Tier 1 risk-based capital ratio | 10.9554% | 6,067 |
| Total risk-based capital ratio | 12.0295% | 6,085 |
| Memoranda: | ||
| Average total assets | $59,593,330 | 5,672 |
| Average earning assets | $55,227,330 | 5,652 |
| Average equity | $4,822,670 | 6,001 |
| Average total loans | $43,947,000 | 5,128 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1741% | 2,967 |
| Cost of funding earning assets | 0.7307% | 1,072 |
| Net interest margin | 3.4435% | 3,928 |
| Noninterest income to average assets | 0.5305% | 3,187 |
| Noninterest expense to average assets | 2.9885% | 2,902 |
| Loan and lease loss provision to assets | 0.0672% | 2,784 |
| Net operating income to assets | 0.6514% | 3,947 |
| Return on assets (ROA) | 0.6514% | 4,042 |
| Pretax return on assets | 0.6716% | 4,587 |
| Return on Equity (ROE) | 8.0724% | 2,888 |
| Retained earnings to average equity (ytd only) | 4.5771% | 3,374 |
| Net charge-offs to loans | -0.1657% | 6,325 |
| Credit loss provision to net charge-offs | -55.5556% | 4,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1802% | 2,183 |
| Assets per employee ($millions) | 2.6658% | 6,234 |
| Cash dividends to net income (ytd only)* | 43.2990% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 4,959 |
| Loan loss allowance to noncurrent loans | 249.4737% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 5,178 |
| Noncurrent loans to loans | 0.4547% | 4,790 |
| Net loans and leases to total assets | 70.4486% | 1,812 |
| Net loans and leases to deposits | 96.2561% | 641 |
| Net loans and leases to core deposits | 97.5746% | 1,269 |
| Total domestic deposits to total assets | 73.1887% | 6,295 |
| Equity capital to assets | 8.2425% | 5,873 |
| Core capital (leverage) ratio | 8.2261% | 5,920 |
| Tier 1 risk-based capital ratio | 11.6729% | 5,826 |
| Total risk-based capital ratio | 12.8175% | 5,825 |
| Memoranda: | ||
| Average total assets | $59,562,000 | 5,724 |
| Average earning assets | $55,293,000 | 5,692 |
| Average equity | $4,806,500 | 6,043 |
| Average total loans | $43,444,000 | 5,191 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4521% | 2,386 |
| Cost of funding earning assets | 0.8279% | 1,050 |
| Net interest margin | 3.6242% | 3,361 |
| Noninterest income to average assets | 0.5331% | 3,536 |
| Noninterest expense to average assets | 3.1205% | 2,674 |
| Loan and lease loss provision to assets | 0.1505% | 2,398 |
| Net operating income to assets | 0.6234% | 4,150 |
| Return on assets (ROA) | 0.6234% | 4,268 |
| Pretax return on assets | 0.6500% | 4,701 |
| Return on Equity (ROE) | 7.7363% | 3,176 |
| Retained earnings to average equity (ytd only) | 4.3297% | 3,096 |
| Net charge-offs to loans | 0.1846% | 2,994 |
| Credit loss provision to net charge-offs | 110.3896% | 2,181 |
| Earnings coverage of net charge-offs (x) | 5.8701% | 3,186 |
| Efficiency ratio | 79.5845% | 2,222 |
| Assets per employee ($millions) | 2.6294% | 6,291 |
| Cash dividends to net income (ytd only)* | 44.0341% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9890% | 5,623 |
| Loan loss allowance to noncurrent loans | 204.5872% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 5,173 |
| Noncurrent loans to loans | 0.4834% | 4,786 |
| Net loans and leases to total assets | 73.8330% | 1,374 |
| Net loans and leases to deposits | 110.6343% | 166 |
| Net loans and leases to core deposits | 112.2445% | 526 |
| Total domestic deposits to total assets | 66.7361% | 6,618 |
| Equity capital to assets | 7.9022% | 6,086 |
| Core capital (leverage) ratio | 7.9327% | 6,182 |
| Tier 1 risk-based capital ratio | 10.8112% | 6,256 |
| Total risk-based capital ratio | 11.8202% | 6,304 |
| Memoranda: | ||
| Average total assets | $56,465,000 | 5,849 |
| Average earning assets | $52,784,200 | 5,809 |
| Average equity | $4,550,000 | 6,186 |
| Average total loans | $41,702,400 | 5,275 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4466% | 2,440 |
| Cost of funding earning assets | 0.8461% | 1,070 |
| Net interest margin | 3.6005% | 3,444 |
| Noninterest income to average assets | 0.5241% | 3,640 |
| Noninterest expense to average assets | 3.1059% | 2,634 |
| Loan and lease loss provision to assets | 0.0841% | 3,375 |
| Net operating income to assets | 0.6731% | 3,995 |
| Return on assets (ROA) | 0.6731% | 4,140 |
| Pretax return on assets | 0.6996% | 4,690 |
| Return on Equity (ROE) | 8.3094% | 2,968 |
| Retained earnings to average equity (ytd only) | 3.7394% | 4,031 |
| Net charge-offs to loans | 0.4079% | 1,574 |
| Credit loss provision to net charge-offs | 28.0000% | 3,933 |
| Earnings coverage of net charge-offs (x) | 2.6081% | 3,968 |
| Efficiency ratio | 79.8517% | 2,122 |
| Assets per employee ($millions) | 2.6195% | 6,363 |
| Cash dividends to net income (ytd only)* | 55.0011% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8234% | 6,230 |
| Loan loss allowance to noncurrent loans | 156.7568% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.4113% | 5,187 |
| Noncurrent loans to loans | 0.5253% | 4,882 |
| Net loans and leases to total assets | 72.7307% | 1,498 |
| Net loans and leases to deposits | 102.6625% | 342 |
| Net loans and leases to core deposits | 104.1367% | 874 |
| Total domestic deposits to total assets | 70.8445% | 6,556 |
| Equity capital to assets | 8.1695% | 6,034 |
| Core capital (leverage) ratio | 8.0867% | 6,163 |
| Tier 1 risk-based capital ratio | 11.1567% | 6,215 |
| Total risk-based capital ratio | 11.9813% | 6,352 |
| Memoranda: | ||
| Average total assets | $55,462,000 | 5,954 |
| Average earning assets | $51,843,750 | 5,905 |
| Average equity | $4,492,750 | 6,287 |
| Average total loans | $40,853,500 | 5,359 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4844% | 2,257 |
| Cost of funding earning assets | 0.8577% | 1,099 |
| Net interest margin | 3.6267% | 3,255 |
| Noninterest income to average assets | 0.4896% | 3,902 |
| Noninterest expense to average assets | 3.0179% | 2,944 |
| Loan and lease loss provision to assets | 0.0731% | 3,579 |
| Net operating income to assets | 0.7527% | 3,554 |
| Return on assets (ROA) | 0.7527% | 3,707 |
| Pretax return on assets | 0.7819% | 4,381 |
| Return on Equity (ROE) | 9.3192% | 2,484 |
| Retained earnings to average equity (ytd only) | 4.0715% | 3,703 |
| Net charge-offs to loans | 0.0099% | 4,684 |
| Credit loss provision to net charge-offs | 1,000.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 117.0000% | 410 |
| Efficiency ratio | 77.9245% | 2,469 |
| Assets per employee ($millions) | 2.3471% | 6,615 |
| Cash dividends to net income (ytd only)* | 56.3107% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 5,471 |
| Loan loss allowance to noncurrent loans | 155.6314% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.5201% | 4,967 |
| Noncurrent loans to loans | 0.7029% | 4,534 |
| Net loans and leases to total assets | 73.1866% | 1,373 |
| Net loans and leases to deposits | 102.9209% | 299 |
| Net loans and leases to core deposits | 105.0906% | 789 |
| Total domestic deposits to total assets | 71.1095% | 6,612 |
| Equity capital to assets | 7.8945% | 6,274 |
| Core capital (leverage) ratio | 8.1067% | 6,101 |
| Tier 1 risk-based capital ratio | 10.7317% | 6,433 |
| Total risk-based capital ratio | 11.8321% | 6,454 |
| Memoranda: | ||
| Average total assets | $54,739,670 | 6,006 |
| Average earning assets | $51,066,330 | 5,967 |
| Average equity | $4,421,000 | 6,352 |
| Average total loans | $40,384,000 | 5,411 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5496% | 1,989 |
| Cost of funding earning assets | 0.8700% | 1,143 |
| Net interest margin | 3.6796% | 2,954 |
| Noninterest income to average assets | 0.4152% | 4,345 |
| Noninterest expense to average assets | 3.0253% | 2,900 |
| Loan and lease loss provision to assets | 0.0297% | 4,083 |
| Net operating income to assets | 0.7563% | 3,399 |
| Return on assets (ROA) | 0.7563% | 3,539 |
| Pretax return on assets | 0.7786% | 4,258 |
| Return on Equity (ROE) | 9.2559% | 2,376 |
| Retained earnings to average equity (ytd only) | 9.2559% | 1,302 |
| Net charge-offs to loans | -0.0101% | 5,442 |
| Credit loss provision to net charge-offs | -400.0000% | 5,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9168% | 2,475 |
| Assets per employee ($millions) | 2.5760% | 6,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 5,476 |
| Loan loss allowance to noncurrent loans | 192.6087% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 5,332 |
| Noncurrent loans to loans | 0.5875% | 4,973 |
| Net loans and leases to total assets | 71.5574% | 1,424 |
| Net loans and leases to deposits | 101.5265% | 296 |
| Net loans and leases to core deposits | 103.7775% | 729 |
| Total domestic deposits to total assets | 70.4816% | 6,736 |
| Equity capital to assets | 8.2429% | 6,222 |
| Core capital (leverage) ratio | 8.5917% | 5,454 |
| Tier 1 risk-based capital ratio | 11.5578% | 6,148 |
| Total risk-based capital ratio | 12.7061% | 6,183 |
| Memoranda: | ||
| Average total assets | $53,944,500 | 6,080 |
| Average earning assets | $50,114,500 | 6,047 |
| Average equity | $4,408,000 | 6,417 |
| Average total loans | $39,735,000 | 5,477 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8008% | 2,190 |
| Cost of funding earning assets | 0.9463% | 1,664 |
| Net interest margin | 3.8546% | 3,005 |
| Noninterest income to average assets | 0.5653% | 3,476 |
| Noninterest expense to average assets | 3.3800% | 2,103 |
| Loan and lease loss provision to assets | 0.1189% | 4,134 |
| Net operating income to assets | 0.6082% | 4,199 |
| Return on assets (ROA) | 0.6082% | 4,464 |
| Pretax return on assets | 0.6316% | 4,883 |
| Return on Equity (ROE) | 7.3226% | 3,453 |
| Retained earnings to average equity (ytd only) | 4.2715% | 3,220 |
| Net charge-offs to loans | 0.2431% | 3,489 |
| Credit loss provision to net charge-offs | 67.7778% | 4,225 |
| Earnings coverage of net charge-offs (x) | 4.2778% | 3,423 |
| Efficiency ratio | 81.8311% | 1,888 |
| Assets per employee ($millions) | 2.4452% | 6,661 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0864% | 5,609 |
| Loan loss allowance to noncurrent loans | 212.6214% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.3829% | 5,536 |
| Noncurrent loans to loans | 0.5109% | 5,253 |
| Net loans and leases to total assets | 74.1347% | 1,176 |
| Net loans and leases to deposits | 101.6958% | 338 |
| Net loans and leases to core deposits | 103.8812% | 795 |
| Total domestic deposits to total assets | 72.8985% | 6,630 |
| Equity capital to assets | 8.0994% | 6,350 |
| Core capital (leverage) ratio | 8.5393% | 5,555 |
| Tier 1 risk-based capital ratio | 11.1392% | 6,296 |
| Total risk-based capital ratio | 12.2590% | 6,309 |
| Memoranda: | ||
| Average total assets | $51,301,600 | 6,173 |
| Average earning assets | $47,450,000 | 6,134 |
| Average equity | $4,260,800 | 6,512 |
| Average total loans | $37,025,400 | 5,634 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8499% | 2,199 |
| Cost of funding earning assets | 0.9745% | 1,711 |
| Net interest margin | 3.8754% | 3,006 |
| Noninterest income to average assets | 0.5735% | 3,450 |
| Noninterest expense to average assets | 3.4149% | 1,967 |
| Loan and lease loss provision to assets | 0.1394% | 3,790 |
| Net operating income to assets | 0.5867% | 4,452 |
| Return on assets (ROA) | 0.5867% | 4,725 |
| Pretax return on assets | 0.6078% | 5,139 |
| Return on Equity (ROE) | 7.0179% | 3,806 |
| Retained earnings to average equity (ytd only) | 3.8709% | 4,166 |
| Net charge-offs to loans | 0.2283% | 3,351 |
| Credit loss provision to net charge-offs | 85.4839% | 3,444 |
| Earnings coverage of net charge-offs (x) | 4.5809% | 3,266 |
| Efficiency ratio | 82.0480% | 1,805 |
| Assets per employee ($millions) | 2.2557% | 6,892 |
| Cash dividends to net income (ytd only)* | 44.8424% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 4,858 |
| Loan loss allowance to noncurrent loans | 176.8340% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.4992% | 5,423 |
| Noncurrent loans to loans | 0.7297% | 4,966 |
| Net loans and leases to total assets | 67.5308% | 2,362 |
| Net loans and leases to deposits | 87.9326% | 1,363 |
| Net loans and leases to core deposits | 89.2180% | 2,083 |
| Total domestic deposits to total assets | 76.7984% | 6,267 |
| Equity capital to assets | 8.2845% | 6,428 |
| Core capital (leverage) ratio | 8.2981% | 6,015 |
| Tier 1 risk-based capital ratio | 12.3890% | 5,707 |
| Total risk-based capital ratio | 13.6400% | 5,682 |
| Memoranda: | ||
| Average total assets | $50,678,500 | 6,265 |
| Average earning assets | $46,927,250 | 6,225 |
| Average equity | $4,236,750 | 6,591 |
| Average total loans | $36,202,250 | 5,742 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8721% | 2,223 |
| Cost of funding earning assets | 1.0035% | 1,743 |
| Net interest margin | 3.8687% | 3,049 |
| Noninterest income to average assets | 0.5768% | 3,401 |
| Noninterest expense to average assets | 3.4130% | 2,001 |
| Loan and lease loss provision to assets | 0.2108% | 2,971 |
| Net operating income to assets | 0.5370% | 4,643 |
| Return on assets (ROA) | 0.5370% | 4,919 |
| Pretax return on assets | 0.5569% | 5,289 |
| Return on Equity (ROE) | 6.4037% | 4,096 |
| Retained earnings to average equity (ytd only) | 3.0833% | 4,588 |
| Net charge-offs to loans | 0.3513% | 2,610 |
| Credit loss provision to net charge-offs | 82.8125% | 3,247 |
| Earnings coverage of net charge-offs (x) | 3.0156% | 3,543 |
| Efficiency ratio | 81.6365% | 1,938 |
| Assets per employee ($millions) | 2.2557% | 6,946 |
| Cash dividends to net income (ytd only)* | 51.8519% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 4,895 |
| Loan loss allowance to noncurrent loans | 170.1493% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.5166% | 5,467 |
| Noncurrent loans to loans | 0.7636% | 4,980 |
| Net loans and leases to total assets | 66.7720% | 2,508 |
| Net loans and leases to deposits | 86.7373% | 1,515 |
| Net loans and leases to core deposits | 87.9998% | 2,209 |
| Total domestic deposits to total assets | 76.9819% | 6,324 |
| Equity capital to assets | 8.1725% | 6,477 |
| Core capital (leverage) ratio | 8.4589% | 5,698 |
| Tier 1 risk-based capital ratio | 12.4220% | 5,633 |
| Total risk-based capital ratio | 13.6730% | 5,606 |
| Memoranda: | ||
| Average total assets | $50,278,000 | 6,319 |
| Average earning assets | $46,838,000 | 6,267 |
| Average equity | $4,216,330 | 6,627 |
| Average total loans | $36,438,670 | 5,765 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0480% | 1,726 |
| Cost of funding earning assets | 1.1034% | 1,392 |
| Net interest margin | 3.9446% | 2,748 |
| Noninterest income to average assets | 0.5902% | 3,297 |
| Noninterest expense to average assets | 3.4441% | 1,900 |
| Loan and lease loss provision to assets | 0.3234% | 1,942 |
| Net operating income to assets | 0.4770% | 4,921 |
| Return on assets (ROA) | 0.4770% | 5,118 |
| Pretax return on assets | 0.4932% | 5,450 |
| Return on Equity (ROE) | 5.6130% | 4,491 |
| Retained earnings to average equity (ytd only) | 5.6130% | 3,191 |
| Net charge-offs to loans | -0.0323% | 6,373 |
| Credit loss provision to net charge-offs | -1,333.3333% | 5,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8349% | 2,100 |
| Assets per employee ($millions) | 2.2083% | 7,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 4,435 |
| Loan loss allowance to noncurrent loans | 268.4211% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.3911% | 5,893 |
| Noncurrent loans to loans | 0.5354% | 5,593 |
| Net loans and leases to total assets | 72.0020% | 1,398 |
| Net loans and leases to deposits | 93.9792% | 666 |
| Net loans and leases to core deposits | 95.4460% | 1,337 |
| Total domestic deposits to total assets | 76.6148% | 6,468 |
| Equity capital to assets | 8.7152% | 5,855 |
| Core capital (leverage) ratio | 8.5253% | 5,556 |
| Tier 1 risk-based capital ratio | 12.4967% | 5,603 |
| Total risk-based capital ratio | 13.7511% | 5,564 |
| Memoranda: | ||
| Average total assets | $49,476,500 | 6,386 |
| Average earning assets | $46,038,000 | 6,327 |
| Average equity | $4,204,500 | 6,667 |
| Average total loans | $37,109,000 | 5,772 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2999% | 1,699 |
| Cost of funding earning assets | 1.4028% | 1,026 |
| Net interest margin | 3.8971% | 3,351 |
| Noninterest income to average assets | 0.7026% | 2,590 |
| Noninterest expense to average assets | 3.6402% | 1,662 |
| Loan and lease loss provision to assets | 0.2699% | 3,518 |
| Net operating income to assets | 0.4049% | 4,839 |
| Return on assets (ROA) | 0.4049% | 5,019 |
| Pretax return on assets | 0.4208% | 5,225 |
| Return on Equity (ROE) | 5.0483% | 4,363 |
| Retained earnings to average equity (ytd only) | 5.0483% | 2,604 |
| Net charge-offs to loans | 0.3915% | 3,457 |
| Credit loss provision to net charge-offs | 90.6667% | 3,978 |
| Earnings coverage of net charge-offs (x) | 2.3200% | 4,057 |
| Efficiency ratio | 84.0513% | 1,760 |
| Assets per employee ($millions) | 2.2896% | 7,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2058% | 5,360 |
| Loan loss allowance to noncurrent loans | 409.6491% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.3137% | 6,194 |
| Noncurrent loans to loans | 0.2944% | 6,136 |
| Net loans and leases to total assets | 75.9584% | 957 |
| Net loans and leases to deposits | 102.4748% | 352 |
| Net loans and leases to core deposits | 104.0634% | 903 |
| Total domestic deposits to total assets | 74.1240% | 6,704 |
| Equity capital to assets | 8.2885% | 6,362 |
| Core capital (leverage) ratio | 8.4128% | 5,698 |
| Tier 1 risk-based capital ratio | 11.6868% | 6,032 |
| Total risk-based capital ratio | 12.9381% | 6,017 |
| Memoranda: | ||
| Average total assets | $50,382,400 | 6,350 |
| Average earning assets | $46,906,400 | 6,300 |
| Average equity | $4,041,000 | 6,742 |
| Average total loans | $38,317,800 | 5,764 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3312% | 1,751 |
| Cost of funding earning assets | 1.4635% | 980 |
| Net interest margin | 3.8677% | 3,531 |
| Noninterest income to average assets | 0.6880% | 2,678 |
| Noninterest expense to average assets | 3.5962% | 1,719 |
| Loan and lease loss provision to assets | 0.3599% | 2,708 |
| Net operating income to assets | 0.3228% | 5,314 |
| Return on assets (ROA) | 0.3228% | 5,482 |
| Pretax return on assets | 0.3334% | 5,635 |
| Return on Equity (ROE) | 4.0589% | 4,967 |
| Retained earnings to average equity (ytd only) | 4.0589% | 3,840 |
| Net charge-offs to loans | 0.5059% | 2,737 |
| Credit loss provision to net charge-offs | 93.7931% | 3,634 |
| Earnings coverage of net charge-offs (x) | 1.8069% | 4,309 |
| Efficiency ratio | 83.8371% | 1,749 |
| Assets per employee ($millions) | 2.2488% | 7,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 4,896 |
| Loan loss allowance to noncurrent loans | 280.9524% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.4528% | 5,958 |
| Noncurrent loans to loans | 0.4717% | 5,902 |
| Net loans and leases to total assets | 71.0327% | 1,897 |
| Net loans and leases to deposits | 90.8062% | 1,127 |
| Net loans and leases to core deposits | 92.1588% | 1,982 |
| Total domestic deposits to total assets | 78.2245% | 6,148 |
| Equity capital to assets | 8.2732% | 6,508 |
| Core capital (leverage) ratio | 8.0888% | 6,298 |
| Tier 1 risk-based capital ratio | 13.0892% | 5,029 |
| Total risk-based capital ratio | 14.3428% | 5,004 |
| Memoranda: | ||
| Average total assets | $50,385,250 | 6,413 |
| Average earning assets | $46,917,750 | 6,345 |
| Average equity | $4,007,500 | 6,801 |
| Average total loans | $38,215,250 | 5,826 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3818% | 1,617 |
| Cost of funding earning assets | 1.5055% | 989 |
| Net interest margin | 3.8762% | 3,409 |
| Noninterest income to average assets | 0.6550% | 2,798 |
| Noninterest expense to average assets | 3.5234% | 1,922 |
| Loan and lease loss provision to assets | 0.5169% | 1,895 |
| Net operating income to assets | 0.2131% | 5,697 |
| Return on assets (ROA) | 0.2131% | 5,813 |
| Pretax return on assets | 0.2210% | 5,884 |
| Return on Equity (ROE) | 2.7142% | 5,515 |
| Retained earnings to average equity (ytd only) | 2.7142% | 4,559 |
| Net charge-offs to loans | 0.6294% | 2,259 |
| Credit loss provision to net charge-offs | 106.5041% | 2,893 |
| Earnings coverage of net charge-offs (x) | 1.5203% | 4,154 |
| Efficiency ratio | 82.6852% | 1,993 |
| Assets per employee ($millions) | 2.2999% | 7,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 4,957 |
| Loan loss allowance to noncurrent loans | 68.2008% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.5337% | 3,903 |
| Noncurrent loans to loans | 1.9393% | 3,553 |
| Net loans and leases to total assets | 72.1056% | 1,770 |
| Net loans and leases to deposits | 91.7283% | 1,088 |
| Net loans and leases to core deposits | 93.0524% | 2,010 |
| Total domestic deposits to total assets | 78.6079% | 6,170 |
| Equity capital to assets | 7.9549% | 6,710 |
| Core capital (leverage) ratio | 8.0096% | 6,289 |
| Tier 1 risk-based capital ratio | 12.1811% | 5,627 |
| Total risk-based capital ratio | 13.4340% | 5,610 |
| Memoranda: | ||
| Average total assets | $50,689,330 | 6,459 |
| Average earning assets | $47,159,330 | 6,390 |
| Average equity | $3,979,000 | 6,855 |
| Average total loans | $39,082,330 | 5,840 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4832% | 1,341 |
| Cost of funding earning assets | 1.5618% | 945 |
| Net interest margin | 3.9214% | 3,038 |
| Noninterest income to average assets | 0.6544% | 2,814 |
| Noninterest expense to average assets | 3.5242% | 1,940 |
| Loan and lease loss provision to assets | 0.9934% | 777 |
| Net operating income to assets | -0.2365% | 6,599 |
| Return on assets (ROA) | -0.2365% | 6,611 |
| Pretax return on assets | -0.2208% | 6,554 |
| Return on Equity (ROE) | -3.0334% | 6,676 |
| Retained earnings to average equity (ytd only) | -3.0334% | 6,303 |
| Net charge-offs to loans | 0.0997% | 3,954 |
| Credit loss provision to net charge-offs | 1,260.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 9.8000% | 1,687 |
| Efficiency ratio | 82.0183% | 2,223 |
| Assets per employee ($millions) | 2.3304% | 7,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5613% | 3,911 |
| Loan loss allowance to noncurrent loans | 197.6821% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 1.1371% | 4,662 |
| Noncurrent loans to loans | 0.7898% | 5,454 |
| Net loans and leases to total assets | 73.4186% | 1,429 |
| Net loans and leases to deposits | 92.9430% | 923 |
| Net loans and leases to core deposits | 94.2557% | 1,858 |
| Total domestic deposits to total assets | 78.9932% | 6,191 |
| Equity capital to assets | 7.6869% | 6,755 |
| Core capital (leverage) ratio | 7.7411% | 6,517 |
| Tier 1 risk-based capital ratio | 11.8612% | 5,810 |
| Total risk-based capital ratio | 13.1192% | 5,809 |
| Memoranda: | ||
| Average total assets | $50,735,000 | 6,510 |
| Average earning assets | $47,126,000 | 6,444 |
| Average equity | $3,956,000 | 6,895 |
| Average total loans | $40,137,000 | 5,846 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8528% | 1,143 |
| Cost of funding earning assets | 1.9572% | 708 |
| Net interest margin | 3.8956% | 3,511 |
| Noninterest income to average assets | 1.0655% | 1,319 |
| Noninterest expense to average assets | 3.5840% | 1,963 |
| Loan and lease loss provision to assets | 0.8902% | 1,837 |
| Net operating income to assets | 0.2144% | 5,234 |
| Return on assets (ROA) | 0.2182% | 5,371 |
| Pretax return on assets | 0.2240% | 5,432 |
| Return on Equity (ROE) | 2.8758% | 5,005 |
| Retained earnings to average equity (ytd only) | 1.7717% | 4,614 |
| Net charge-offs to loans | 0.7022% | 2,906 |
| Credit loss provision to net charge-offs | 151.8272% | 2,368 |
| Earnings coverage of net charge-offs (x) | 1.8937% | 4,303 |
| Efficiency ratio | 76.3485% | 2,999 |
| Assets per employee ($millions) | 2.1827% | 7,316 |
| Cash dividends to net income (ytd only)* | 38.3929% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 5,763 |
| Loan loss allowance to noncurrent loans | 213.7778% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 1.1115% | 4,788 |
| Noncurrent loans to loans | 0.5353% | 5,977 |
| Net loans and leases to total assets | 82.7772% | 398 |
| Net loans and leases to deposits | 106.3495% | 309 |
| Net loans and leases to core deposits | 107.9042% | 1,054 |
| Total domestic deposits to total assets | 77.8351% | 6,351 |
| Equity capital to assets | 7.9102% | 6,572 |
| Core capital (leverage) ratio | 7.7991% | 6,439 |
| Tier 1 risk-based capital ratio | 10.7840% | 6,503 |
| Total risk-based capital ratio | 12.0360% | 6,468 |
| Memoranda: | ||
| Average total assets | $51,339,600 | 6,488 |
| Average earning assets | $47,823,600 | 6,441 |
| Average equity | $3,894,600 | 7,031 |
| Average total loans | $42,864,800 | 5,798 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8279% | 1,316 |
| Cost of funding earning assets | 2.0322% | 683 |
| Net interest margin | 3.7958% | 3,986 |
| Noninterest income to average assets | 1.0047% | 1,453 |
| Noninterest expense to average assets | 3.5409% | 1,933 |
| Loan and lease loss provision to assets | 0.8110% | 1,869 |
| Net operating income to assets | 0.1862% | 5,548 |
| Return on assets (ROA) | 0.1911% | 5,695 |
| Pretax return on assets | 0.1989% | 5,737 |
| Return on Equity (ROE) | 2.5457% | 5,415 |
| Retained earnings to average equity (ytd only) | 1.0664% | 5,391 |
| Net charge-offs to loans | 0.3374% | 3,957 |
| Credit loss provision to net charge-offs | 288.0734% | 1,118 |
| Earnings coverage of net charge-offs (x) | 3.5688% | 3,393 |
| Efficiency ratio | 77.8977% | 2,638 |
| Assets per employee ($millions) | 2.2098% | 7,378 |
| Cash dividends to net income (ytd only)* | 58.1087% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 5,076 |
| Loan loss allowance to noncurrent loans | 65.4321% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 1.7964% | 3,752 |
| Noncurrent loans to loans | 1.9514% | 3,746 |
| Net loans and leases to total assets | 80.6276% | 649 |
| Net loans and leases to deposits | 103.5320% | 457 |
| Net loans and leases to core deposits | 105.0205% | 1,399 |
| Total domestic deposits to total assets | 77.8770% | 6,283 |
| Equity capital to assets | 7.7383% | 6,977 |
| Core capital (leverage) ratio | 7.6356% | 6,734 |
| Tier 1 risk-based capital ratio | 11.2384% | 6,148 |
| Total risk-based capital ratio | 12.4929% | 6,145 |
| Memoranda: | ||
| Average total assets | $51,624,250 | 6,554 |
| Average earning assets | $48,157,750 | 6,502 |
| Average equity | $3,875,500 | 7,122 |
| Average total loans | $43,072,000 | 5,871 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8205% | 1,380 |
| Cost of funding earning assets | 2.1109% | 636 |
| Net interest margin | 3.7096% | 4,315 |
| Noninterest income to average assets | 1.0214% | 1,314 |
| Noninterest expense to average assets | 3.5922% | 1,799 |
| Loan and lease loss provision to assets | 0.8325% | 1,746 |
| Net operating income to assets | 0.0476% | 5,995 |
| Return on assets (ROA) | 0.0540% | 6,084 |
| Pretax return on assets | 0.0655% | 6,044 |
| Return on Equity (ROE) | 0.7261% | 6,021 |
| Retained earnings to average equity (ytd only) | -1.5040% | 6,064 |
| Net charge-offs to loans | 0.3716% | 3,498 |
| Credit loss provision to net charge-offs | 266.6667% | 1,419 |
| Earnings coverage of net charge-offs (x) | 2.8519% | 3,560 |
| Efficiency ratio | 80.1376% | 2,428 |
| Assets per employee ($millions) | 2.1348% | 7,488 |
| Cash dividends to net income (ytd only)* | 307.1429% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 6,001 |
| Loan loss allowance to noncurrent loans | 111.9221% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.8022% | 5,509 |
| Noncurrent loans to loans | 0.9721% | 5,364 |
| Net loans and leases to total assets | 81.6239% | 579 |
| Net loans and leases to deposits | 105.5261% | 416 |
| Net loans and leases to core deposits | 105.5261% | 1,491 |
| Total domestic deposits to total assets | 77.3495% | 6,422 |
| Equity capital to assets | 7.5593% | 7,083 |
| Core capital (leverage) ratio | 7.4778% | 6,845 |
| Tier 1 risk-based capital ratio | 10.7087% | 6,520 |
| Total risk-based capital ratio | 11.9584% | 6,510 |
| Memoranda: | ||
| Average total assets | $51,890,670 | 6,590 |
| Average earning assets | $48,414,670 | 6,534 |
| Average equity | $3,856,330 | 7,165 |
| Average total loans | $43,593,000 | 5,884 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7460% | 1,628 |
| Cost of funding earning assets | 2.1898% | 606 |
| Net interest margin | 3.5563% | 4,916 |
| Noninterest income to average assets | 1.2180% | 824 |
| Noninterest expense to average assets | 3.6998% | 1,522 |
| Loan and lease loss provision to assets | 1.6546% | 697 |
| Net operating income to assets | -0.8426% | 7,027 |
| Return on assets (ROA) | -0.8273% | 7,048 |
| Pretax return on assets | -0.8120% | 6,954 |
| Return on Equity (ROE) | -11.2266% | 7,178 |
| Retained earnings to average equity (ytd only) | -11.2266% | 7,026 |
| Net charge-offs to loans | 0.7322% | 2,039 |
| Credit loss provision to net charge-offs | 266.6667% | 1,478 |
| Earnings coverage of net charge-offs (x) | 1.3333% | 3,948 |
| Efficiency ratio | 81.7259% | 2,307 |
| Assets per employee ($millions) | 2.1805% | 7,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 6,095 |
| Loan loss allowance to noncurrent loans | 102.4499% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.8580% | 5,439 |
| Noncurrent loans to loans | 1.0560% | 5,229 |
| Net loans and leases to total assets | 80.3657% | 790 |
| Net loans and leases to deposits | 103.1491% | 580 |
| Net loans and leases to core deposits | 108.4530% | 1,385 |
| Total domestic deposits to total assets | 77.9122% | 6,338 |
| Equity capital to assets | 7.2499% | 7,254 |
| Core capital (leverage) ratio | 7.3401% | 6,992 |
| Tier 1 risk-based capital ratio | 10.2757% | 6,820 |
| Total risk-based capital ratio | 11.5216% | 6,820 |
| Memoranda: | ||
| Average total assets | $52,218,500 | 6,660 |
| Average earning assets | $48,590,000 | 6,606 |
| Average equity | $3,848,000 | 7,235 |
| Average total loans | $44,249,500 | 5,929 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4615% | 723 |
| Cost of funding earning assets | 2.4723% | 1,087 |
| Net interest margin | 3.9891% | 2,902 |
| Noninterest income to average assets | 0.8502% | 2,178 |
| Noninterest expense to average assets | 3.6457% | 2,044 |
| Loan and lease loss provision to assets | 0.7267% | 2,934 |
| Net operating income to assets | 0.1832% | 4,954 |
| Return on assets (ROA) | 0.1832% | 5,022 |
| Pretax return on assets | 0.1647% | 5,080 |
| Return on Equity (ROE) | 2.3590% | 4,759 |
| Retained earnings to average equity (ytd only) | 2.3590% | 3,466 |
| Net charge-offs to loans | 0.5455% | 3,604 |
| Credit loss provision to net charge-offs | 149.5763% | 3,115 |
| Earnings coverage of net charge-offs (x) | 1.8347% | 4,349 |
| Efficiency ratio | 80.3539% | 2,831 |
| Assets per employee ($millions) | 2.0842% | 7,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7068% | 7,366 |
| Loan loss allowance to noncurrent loans | 71.1160% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 0.8771% | 5,354 |
| Noncurrent loans to loans | 0.9939% | 5,329 |
| Net loans and leases to total assets | 87.6250% | 191 |
| Net loans and leases to deposits | 113.6170% | 271 |
| Net loans and leases to core deposits | 126.6596% | 1,466 |
| Total domestic deposits to total assets | 77.1231% | 6,440 |
| Equity capital to assets | 7.4887% | 7,042 |
| Core capital (leverage) ratio | 7.4998% | 6,789 |
| Tier 1 risk-based capital ratio | 9.4199% | 7,269 |
| Total risk-based capital ratio | 10.2045% | 7,506 |
| Memoranda: | ||
| Average total assets | $48,577,600 | 6,766 |
| Average earning assets | $44,896,800 | 6,725 |
| Average equity | $3,772,800 | 7,361 |
| Average total loans | $43,263,000 | 5,969 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4900% | 760 |
| Cost of funding earning assets | 2.5064% | 1,275 |
| Net interest margin | 3.9836% | 2,882 |
| Noninterest income to average assets | 0.8498% | 2,203 |
| Noninterest expense to average assets | 3.6955% | 1,829 |
| Loan and lease loss provision to assets | 0.3634% | 4,141 |
| Net operating income to assets | 0.4696% | 4,123 |
| Return on assets (ROA) | 0.4696% | 4,220 |
| Pretax return on assets | 0.4696% | 4,617 |
| Return on Equity (ROE) | 5.9882% | 3,536 |
| Retained earnings to average equity (ytd only) | 5.9882% | 1,954 |
| Net charge-offs to loans | 0.3883% | 3,709 |
| Credit loss provision to net charge-offs | 104.8387% | 4,844 |
| Earnings coverage of net charge-offs (x) | 2.4032% | 4,029 |
| Efficiency ratio | 81.6049% | 2,636 |
| Assets per employee ($millions) | 2.0575% | 7,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4709% | 7,745 |
| Loan loss allowance to noncurrent loans | 70.3947% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 0.5910% | 5,974 |
| Noncurrent loans to loans | 0.6689% | 5,965 |
| Net loans and leases to total assets | 87.9425% | 209 |
| Net loans and leases to deposits | 116.3841% | 263 |
| Net loans and leases to core deposits | 129.9110% | 1,439 |
| Total domestic deposits to total assets | 75.5623% | 6,665 |
| Equity capital to assets | 7.7396% | 7,112 |
| Core capital (leverage) ratio | 7.8545% | 6,559 |
| Tier 1 risk-based capital ratio | 9.8384% | 7,101 |
| Total risk-based capital ratio | 10.3672% | 7,584 |
| Memoranda: | ||
| Average total assets | $47,695,750 | 6,847 |
| Average earning assets | $44,046,250 | 6,814 |
| Average equity | $3,740,500 | 7,438 |
| Average total loans | $42,583,250 | 6,039 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6365% | 618 |
| Cost of funding earning assets | 2.5532% | 1,436 |
| Net interest margin | 4.0833% | 2,382 |
| Noninterest income to average assets | 0.7880% | 2,475 |
| Noninterest expense to average assets | 3.8451% | 1,581 |
| Loan and lease loss provision to assets | 0.3445% | 3,868 |
| Net operating income to assets | 0.3445% | 4,701 |
| Return on assets (ROA) | 0.3445% | 4,817 |
| Pretax return on assets | 0.3445% | 5,085 |
| Return on Equity (ROE) | 4.3712% | 4,353 |
| Retained earnings to average equity (ytd only) | 4.3712% | 2,868 |
| Net charge-offs to loans | 0.3555% | 3,405 |
| Credit loss provision to net charge-offs | 108.1081% | 4,277 |
| Earnings coverage of net charge-offs (x) | 2.1622% | 3,990 |
| Efficiency ratio | 84.8053% | 2,382 |
| Assets per employee ($millions) | 2.0794% | 7,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4992% | 7,788 |
| Loan loss allowance to noncurrent loans | 428.0000% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 7,330 |
| Noncurrent loans to loans | 0.1166% | 7,228 |
| Net loans and leases to total assets | 85.4704% | 441 |
| Net loans and leases to deposits | 111.3565% | 506 |
| Net loans and leases to core deposits | 125.5489% | 1,915 |
| Total domestic deposits to total assets | 76.7538% | 6,390 |
| Equity capital to assets | 7.8028% | 6,977 |
| Core capital (leverage) ratio | 8.0839% | 6,190 |
| Tier 1 risk-based capital ratio | 10.4143% | 6,462 |
| Total risk-based capital ratio | 10.9866% | 7,139 |
| Memoranda: | ||
| Average total assets | $46,448,670 | 6,962 |
| Average earning assets | $42,613,000 | 6,943 |
| Average equity | $3,660,330 | 7,518 |
| Average total loans | $41,628,000 | 6,128 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6756% | 607 |
| Cost of funding earning assets | 2.5045% | 1,901 |
| Net interest margin | 4.1710% | 2,006 |
| Noninterest income to average assets | 0.6977% | 2,902 |
| Noninterest expense to average assets | 4.0339% | 1,145 |
| Loan and lease loss provision to assets | 0.2236% | 4,216 |
| Net operating income to assets | 0.3131% | 5,253 |
| Return on assets (ROA) | 0.3131% | 5,425 |
| Pretax return on assets | 0.3131% | 5,648 |
| Return on Equity (ROE) | 3.9509% | 4,954 |
| Retained earnings to average equity (ytd only) | 3.9509% | 3,699 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2583% | 1,874 |
| Assets per employee ($millions) | 2.0072% | 7,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5535% | 7,748 |
| Loan loss allowance to noncurrent loans | 69.5522% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 0.7257% | 5,345 |
| Noncurrent loans to loans | 0.7957% | 5,445 |
| Net loans and leases to total assets | 90.6878% | 114 |
| Net loans and leases to deposits | 120.9476% | 268 |
| Net loans and leases to core deposits | 135.2130% | 1,348 |
| Total domestic deposits to total assets | 74.9810% | 6,718 |
| Equity capital to assets | 8.3375% | 6,336 |
| Core capital (leverage) ratio | 8.0797% | 6,329 |
| Tier 1 risk-based capital ratio | 10.2813% | 6,609 |
| Total risk-based capital ratio | 10.9037% | 7,218 |
| Memoranda: | ||
| Average total assets | $44,720,500 | 7,070 |
| Average earning assets | $41,524,500 | 7,039 |
| Average equity | $3,543,500 | 7,611 |
| Average total loans | $41,008,000 | 6,192 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9051% | 1,376 |
| Cost of funding earning assets | 2.9044% | 2,249 |
| Net interest margin | 4.0007% | 3,107 |
| Noninterest income to average assets | 0.6266% | 3,662 |
| Noninterest expense to average assets | 4.0041% | 1,415 |
| Loan and lease loss provision to assets | 0.2292% | 4,597 |
| Net operating income to assets | 0.0523% | 6,222 |
| Return on assets (ROA) | 0.0637% | 6,054 |
| Pretax return on assets | 0.1197% | 5,904 |
| Return on Equity (ROE) | 0.8766% | 5,956 |
| Retained earnings to average equity (ytd only) | 0.8766% | 4,702 |
| Net charge-offs to loans | 0.1590% | 4,602 |
| Credit loss provision to net charge-offs | 160.7143% | 3,211 |
| Earnings coverage of net charge-offs (x) | 2.3214% | 4,926 |
| Efficiency ratio | 92.3619% | 1,362 |
| Assets per employee ($millions) | 1.9671% | 7,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5211% | 7,815 |
| Loan loss allowance to noncurrent loans | 69.3333% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 0.6932% | 5,141 |
| Noncurrent loans to loans | 0.7516% | 5,149 |
| Net loans and leases to total assets | 91.7576% | 92 |
| Net loans and leases to deposits | 139.0420% | 113 |
| Net loans and leases to core deposits | 150.2535% | 844 |
| Total domestic deposits to total assets | 65.9927% | 7,659 |
| Equity capital to assets | 7.4822% | 7,396 |
| Core capital (leverage) ratio | 7.8508% | 6,721 |
| Tier 1 risk-based capital ratio | 9.1232% | 7,690 |
| Total risk-based capital ratio | 9.7092% | 8,053 |
| Memoranda: | ||
| Average total assets | $39,259,800 | 7,248 |
| Average earning assets | $36,393,200 | 7,223 |
| Average equity | $2,852,000 | 7,881 |
| Average total loans | $35,229,800 | 6,412 |