Home > Sunrise Bank Dakota > Performance and Condition Ratios
Sunrise Bank Dakota, 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 | 2.9883% | 4,526 |
| Cost of funding earning assets | 1.1850% | 2,839 |
| Net interest margin | 1.8034% | 4,457 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.2608% | 2,950 |
| Loan and lease loss provision to assets | -0.7600% | 4,590 |
| Net operating income to assets | 0.6173% | 3,396 |
| Return on assets (ROA) | 0.1628% | 4,225 |
| Pretax return on assets | 0.1710% | 4,222 |
| Return on Equity (ROE) | 2.2000% | 4,132 |
| Retained earnings to average equity (ytd only) | 0.5326% | 3,950 |
| Net charge-offs to loans | -3.1123% | 4,611 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 104.9618% | 144 |
| Assets per employee ($millions) | 7.2378% | 1,912 |
| Cash dividends to net income (ytd only)* | 75.7576% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1938% | 55 |
| 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 | 29.9500% | 4,290 |
| Net loans and leases to deposits | 35.7933% | 4,276 |
| Net loans and leases to core deposits | 38.8950% | 4,301 |
| Total domestic deposits to total assets | 83.6600% | 2,718 |
| Equity capital to assets | 8.9980% | 2,677 |
| Core capital (leverage) ratio | 12.4354% | 1,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.1395% | 216 |
| Memoranda: | ||
| Average total assets | $60,818,600 | 4,206 |
| Average earning assets | $55,951,200 | 4,189 |
| Average equity | $4,506,600 | 4,306 |
| Average total loans | $18,539,600 | 4,315 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7672% | 4,588 |
| Cost of funding earning assets | 0.8250% | 3,146 |
| Net interest margin | 1.9422% | 4,510 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 2.3990% | 2,489 |
| Loan and lease loss provision to assets | -0.7200% | 4,642 |
| Net operating income to assets | 0.8454% | 2,939 |
| Return on assets (ROA) | 0.8454% | 2,948 |
| Pretax return on assets | 0.8901% | 3,195 |
| Return on Equity (ROE) | 12.1200% | 2,116 |
| Retained earnings to average equity (ytd only) | 8.6884% | 1,768 |
| Net charge-offs to loans | -5.8326% | 4,665 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 93.3002% | 275 |
| Assets per employee ($millions) | 7.7188% | 1,460 |
| Cash dividends to net income (ytd only)* | 28.3019% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3545% | 42 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.1603% | 2,431 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 27.6500% | 4,366 |
| Net loans and leases to deposits | 31.7816% | 4,375 |
| Net loans and leases to core deposits | 33.0943% | 4,371 |
| Total domestic deposits to total assets | 87.0100% | 1,922 |
| Equity capital to assets | 7.2356% | 3,672 |
| Core capital (leverage) ratio | 12.0743% | 1,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0880% | 206 |
| Memoranda: | ||
| Average total assets | $62,693,000 | 4,222 |
| Average earning assets | $58,182,333 | 4,199 |
| Average equity | $4,373,667 | 4,354 |
| Average total loans | $18,825,333 | 4,346 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7711% | 4,608 |
| Cost of funding earning assets | 0.5802% | 3,442 |
| Net interest margin | 2.1910% | 4,505 |
| Noninterest income to average assets | 1.3900% | 356 |
| Noninterest expense to average assets | 2.4887% | 2,278 |
| Loan and lease loss provision to assets | -0.9500% | 4,665 |
| Net operating income to assets | 1.7858% | 693 |
| Return on assets (ROA) | 1.7858% | 684 |
| Pretax return on assets | 1.8808% | 934 |
| Return on Equity (ROE) | 26.0700% | 359 |
| Retained earnings to average equity (ytd only) | 26.0719% | 159 |
| Net charge-offs to loans | -11.4687% | 4,693 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.7778% | 1,466 |
| Assets per employee ($millions) | 7.6989% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9867% | 23 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 2,381 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 26.5900% | 4,431 |
| Net loans and leases to deposits | 29.0099% | 4,461 |
| Net loans and leases to core deposits | 29.5463% | 4,467 |
| Total domestic deposits to total assets | 91.6700% | 600 |
| Equity capital to assets | 7.5758% | 3,522 |
| Core capital (leverage) ratio | 11.6247% | 1,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.5054% | 187 |
| Memoranda: | ||
| Average total assets | $63,164,500 | 4,276 |
| Average earning assets | $58,604,500 | 4,253 |
| Average equity | $4,326,500 | 4,415 |
| Average total loans | $19,217,500 | 4,403 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3607% | 4,543 |
| Cost of funding earning assets | 0.2740% | 3,112 |
| Net interest margin | 2.0867% | 4,527 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 1.8817% | 3,871 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3868% | 4,256 |
| Return on assets (ROA) | 0.3868% | 4,221 |
| Pretax return on assets | 0.4047% | 4,274 |
| Return on Equity (ROE) | 5.4700% | 3,936 |
| Retained earnings to average equity (ytd only) | 3.8850% | 3,435 |
| Net charge-offs to loans | -0.0814% | 4,475 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 82.2992% | 581 |
| Assets per employee ($millions) | 8.0923% | 1,273 |
| Cash dividends to net income (ytd only)* | 28.9575% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8887% | 131 |
| Loan loss allowance to noncurrent loans | 35.7901% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 2.7727% | 61 |
| Noncurrent loans to loans | 8.0712% | 22 |
| Net loans and leases to total assets | 31.5200% | 4,351 |
| Net loans and leases to deposits | 34.5999% | 4,379 |
| Net loans and leases to core deposits | 35.0306% | 4,395 |
| Total domestic deposits to total assets | 91.1000% | 919 |
| Equity capital to assets | 6.1587% | 4,034 |
| Core capital (leverage) ratio | 10.9681% | 1,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6921% | 226 |
| Memoranda: | ||
| Average total assets | $66,962,400 | 4,258 |
| Average earning assets | $61,677,400 | 4,243 |
| Average equity | $4,736,200 | 4,456 |
| Average total loans | $20,892,200 | 4,402 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3017% | 4,533 |
| Cost of funding earning assets | 0.2085% | 3,170 |
| Net interest margin | 2.0933% | 4,520 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 1.8839% | 3,784 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4562% | 4,160 |
| Return on assets (ROA) | 0.4562% | 4,105 |
| Pretax return on assets | 0.4779% | 4,178 |
| Return on Equity (ROE) | 6.2600% | 3,743 |
| Retained earnings to average equity (ytd only) | 4.2245% | 3,367 |
| Net charge-offs to loans | -0.2684% | 4,677 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.7659% | 784 |
| Assets per employee ($millions) | 8.4731% | 1,081 |
| Cash dividends to net income (ytd only)* | 32.4675% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1536% | 117 |
| Loan loss allowance to noncurrent loans | 34.6513% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 2.6864% | 68 |
| Noncurrent loans to loans | 9.1009% | 19 |
| Net loans and leases to total assets | 28.5900% | 4,450 |
| Net loans and leases to deposits | 31.2075% | 4,482 |
| Net loans and leases to core deposits | 31.4226% | 4,488 |
| Total domestic deposits to total assets | 91.6000% | 1,009 |
| Equity capital to assets | 5.0704% | 4,273 |
| Core capital (leverage) ratio | 10.6763% | 1,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1617% | 235 |
| Memoranda: | ||
| Average total assets | $67,518,500 | 4,284 |
| Average earning assets | $62,039,000 | 4,270 |
| Average equity | $4,923,500 | 4,480 |
| Average total loans | $20,862,000 | 4,433 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2737% | 4,537 |
| Cost of funding earning assets | 0.2082% | 2,805 |
| Net interest margin | 2.0655% | 4,527 |
| Noninterest income to average assets | 0.5873% | 1,793 |
| Noninterest expense to average assets | 1.9368% | 3,611 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5131% | 3,861 |
| Return on assets (ROA) | 0.5131% | 3,817 |
| Pretax return on assets | 0.5339% | 3,951 |
| Return on Equity (ROE) | 6.3849% | 3,478 |
| Retained earnings to average equity (ytd only) | 3.6169% | 3,228 |
| Net charge-offs to loans | -0.3783% | 4,669 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3914% | 1,061 |
| Assets per employee ($millions) | 8.3844% | 1,119 |
| Cash dividends to net income (ytd only)* | 43.3526% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1097% | 133 |
| Loan loss allowance to noncurrent loans | 37.1462% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 2.5285% | 84 |
| Noncurrent loans to loans | 8.3716% | 20 |
| Net loans and leases to total assets | 29.2643% | 4,485 |
| Net loans and leases to deposits | 31.5523% | 4,511 |
| Net loans and leases to core deposits | 31.7693% | 4,535 |
| Total domestic deposits to total assets | 92.7484% | 573 |
| Equity capital to assets | 6.5807% | 3,982 |
| Core capital (leverage) ratio | 10.1504% | 2,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2016% | 316 |
| Memoranda: | ||
| Average total assets | $67,429,667 | 4,330 |
| Average earning assets | $61,485,333 | 4,331 |
| Average equity | $5,419,000 | 4,478 |
| Average total loans | $21,146,333 | 4,482 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1535% | 4,553 |
| Cost of funding earning assets | 0.2101% | 2,669 |
| Net interest margin | 1.9434% | 4,551 |
| Noninterest income to average assets | 0.2071% | 3,920 |
| Noninterest expense to average assets | 1.8164% | 3,899 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1361% | 4,424 |
| Return on assets (ROA) | 0.1361% | 4,394 |
| Pretax return on assets | 0.1420% | 4,403 |
| Return on Equity (ROE) | 1.5537% | 4,336 |
| Retained earnings to average equity (ytd only) | 1.5537% | 3,670 |
| Net charge-offs to loans | -0.0185% | 3,874 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7492% | 432 |
| Assets per employee ($millions) | 8.9715% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8071% | 191 |
| Loan loss allowance to noncurrent loans | 25.0530% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 3.2868% | 55 |
| Noncurrent loans to loans | 11.2045% | 15 |
| Net loans and leases to total assets | 28.5111% | 4,493 |
| Net loans and leases to deposits | 30.9099% | 4,525 |
| Net loans and leases to core deposits | 31.1097% | 4,555 |
| Total domestic deposits to total assets | 92.2393% | 493 |
| Equity capital to assets | 7.1448% | 4,131 |
| Core capital (leverage) ratio | 9.9765% | 2,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6551% | 232 |
| Memoranda: | ||
| Average total assets | $67,607,000 | 4,350 |
| Average earning assets | $60,923,500 | 4,358 |
| Average equity | $5,921,500 | 4,473 |
| Average total loans | $21,590,000 | 4,487 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5130% | 4,470 |
| Cost of funding earning assets | 0.3163% | 2,232 |
| Net interest margin | 2.1968% | 4,490 |
| Noninterest income to average assets | 0.6624% | 1,895 |
| Noninterest expense to average assets | 2.1431% | 3,261 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4972% | 4,089 |
| Return on assets (ROA) | 0.4972% | 4,133 |
| Pretax return on assets | 0.5112% | 4,241 |
| Return on Equity (ROE) | 4.6944% | 4,063 |
| Retained earnings to average equity (ytd only) | 3.8850% | 3,267 |
| Net charge-offs to loans | -0.0561% | 4,371 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7399% | 764 |
| Assets per employee ($millions) | 7.9303% | 1,365 |
| Cash dividends to net income (ytd only)* | 17.2414% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6665% | 223 |
| Loan loss allowance to noncurrent loans | 23.7999% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 3.9532% | 43 |
| Noncurrent loans to loans | 11.2040% | 14 |
| Net loans and leases to total assets | 33.9460% | 4,381 |
| Net loans and leases to deposits | 38.2740% | 4,384 |
| Net loans and leases to core deposits | 38.9137% | 4,424 |
| Total domestic deposits to total assets | 88.6920% | 1,670 |
| Equity capital to assets | 10.5845% | 2,100 |
| Core capital (leverage) ratio | 11.2189% | 1,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3048% | 255 |
| Memoranda: | ||
| Average total assets | $64,160,800 | 4,401 |
| Average earning assets | $58,176,600 | 4,410 |
| Average equity | $6,795,400 | 4,446 |
| Average total loans | $26,735,000 | 4,439 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4875% | 4,576 |
| Cost of funding earning assets | 0.3466% | 2,145 |
| Net interest margin | 2.1408% | 4,604 |
| Noninterest income to average assets | 0.5616% | 2,363 |
| Noninterest expense to average assets | 2.0826% | 3,414 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4248% | 4,335 |
| Return on assets (ROA) | 0.4248% | 4,367 |
| Pretax return on assets | 0.4372% | 4,442 |
| Return on Equity (ROE) | 4.0104% | 4,300 |
| Retained earnings to average equity (ytd only) | 2.9344% | 3,929 |
| Net charge-offs to loans | -0.0622% | 4,440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6480% | 599 |
| Assets per employee ($millions) | 7.9246% | 1,307 |
| Cash dividends to net income (ytd only)* | 26.8293% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5666% | 261 |
| Loan loss allowance to noncurrent loans | 17.6789% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 5.2920% | 24 |
| Noncurrent loans to loans | 14.5177% | 5 |
| Net loans and leases to total assets | 35.2099% | 4,422 |
| Net loans and leases to deposits | 39.7394% | 4,459 |
| Net loans and leases to core deposits | 40.5877% | 4,496 |
| Total domestic deposits to total assets | 88.6020% | 1,512 |
| Equity capital to assets | 10.7339% | 2,232 |
| Core capital (leverage) ratio | 11.0246% | 1,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2873% | 515 |
| Memoranda: | ||
| Average total assets | $64,340,500 | 4,462 |
| Average earning assets | $58,853,750 | 4,452 |
| Average equity | $6,815,500 | 4,506 |
| Average total loans | $27,887,250 | 4,475 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5915% | 4,552 |
| Cost of funding earning assets | 0.3562% | 2,263 |
| Net interest margin | 2.2353% | 4,571 |
| Noninterest income to average assets | 0.7702% | 1,615 |
| Noninterest expense to average assets | 2.2241% | 3,000 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5661% | 4,058 |
| Return on assets (ROA) | 0.5661% | 4,108 |
| Pretax return on assets | 0.5846% | 4,263 |
| Return on Equity (ROE) | 5.3674% | 4,063 |
| Retained earnings to average equity (ytd only) | 3.7542% | 3,602 |
| Net charge-offs to loans | -0.0745% | 4,525 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1850% | 838 |
| Assets per employee ($millions) | 8.1295% | 1,150 |
| Cash dividends to net income (ytd only)* | 30.0546% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1280% | 482 |
| Loan loss allowance to noncurrent loans | 16.0416% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 5.6615% | 24 |
| Noncurrent loans to loans | 13.2658% | 13 |
| Net loans and leases to total assets | 41.4401% | 4,215 |
| Net loans and leases to deposits | 46.6119% | 4,284 |
| Net loans and leases to core deposits | 48.2137% | 4,315 |
| Total domestic deposits to total assets | 88.9046% | 1,327 |
| Equity capital to assets | 10.4496% | 2,439 |
| Core capital (leverage) ratio | 10.3278% | 2,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6183% | 450 |
| Memoranda: | ||
| Average total assets | $64,655,000 | 4,484 |
| Average earning assets | $58,963,000 | 4,485 |
| Average equity | $6,819,000 | 4,524 |
| Average total loans | $29,546,333 | 4,475 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7730% | 4,399 |
| Cost of funding earning assets | 0.3757% | 2,309 |
| Net interest margin | 2.3974% | 4,413 |
| Noninterest income to average assets | 0.7430% | 1,736 |
| Noninterest expense to average assets | 2.0742% | 3,498 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8049% | 3,409 |
| Return on assets (ROA) | 0.8049% | 3,479 |
| Pretax return on assets | 0.8421% | 3,737 |
| Return on Equity (ROE) | 7.4616% | 3,481 |
| Retained earnings to average equity (ytd only) | 7.4616% | 2,429 |
| Net charge-offs to loans | -0.1178% | 4,682 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1253% | 1,597 |
| Assets per employee ($millions) | 8.4190% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9738% | 629 |
| Loan loss allowance to noncurrent loans | 17.5518% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 4.9917% | 38 |
| Noncurrent loans to loans | 11.2453% | 20 |
| Net loans and leases to total assets | 43.1375% | 4,169 |
| Net loans and leases to deposits | 48.3790% | 4,250 |
| Net loans and leases to core deposits | 49.5515% | 4,319 |
| Total domestic deposits to total assets | 89.1659% | 1,258 |
| Equity capital to assets | 10.2387% | 2,488 |
| Core capital (leverage) ratio | 11.0131% | 1,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5238% | 480 |
| Memoranda: | ||
| Average total assets | $64,603,000 | 4,499 |
| Average earning assets | $58,564,000 | 4,506 |
| Average equity | $6,969,000 | 4,529 |
| Average total loans | $30,551,000 | 4,484 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8135% | 3,259 |
| Cost of funding earning assets | 0.5425% | 2,657 |
| Net interest margin | 3.2710% | 3,155 |
| Noninterest income to average assets | 0.3014% | 3,669 |
| Noninterest expense to average assets | 2.6115% | 2,511 |
| Loan and lease loss provision to assets | 0.0195% | 4,145 |
| Net operating income to assets | 0.5691% | 3,848 |
| Return on assets (ROA) | 0.5691% | 3,953 |
| Pretax return on assets | 0.5992% | 4,080 |
| Return on Equity (ROE) | 4.6857% | 3,980 |
| Retained earnings to average equity (ytd only) | 4.6857% | 2,429 |
| Net charge-offs to loans | 0.1144% | 1,335 |
| Credit loss provision to net charge-offs | 28.2051% | 3,225 |
| Earnings coverage of net charge-offs (x) | 8.9487% | 2,558 |
| Efficiency ratio | 80.8452% | 828 |
| Assets per employee ($millions) | 7.7318% | 1,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8275% | 816 |
| Loan loss allowance to noncurrent loans | 15.9944% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 5.9366% | 37 |
| Noncurrent loans to loans | 11.4261% | 17 |
| Net loans and leases to total assets | 49.9369% | 3,831 |
| Net loans and leases to deposits | 56.7794% | 3,955 |
| Net loans and leases to core deposits | 58.3023% | 4,035 |
| Total domestic deposits to total assets | 87.9490% | 1,496 |
| Equity capital to assets | 11.3849% | 1,966 |
| Core capital (leverage) ratio | 11.4460% | 1,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3001% | 557 |
| Memoranda: | ||
| Average total assets | $56,405,200 | 4,563 |
| Average earning assets | $50,505,000 | 4,577 |
| Average equity | $6,850,600 | 4,544 |
| Average total loans | $34,091,800 | 4,428 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8584% | 3,387 |
| Cost of funding earning assets | 0.5844% | 2,716 |
| Net interest margin | 3.2740% | 3,264 |
| Noninterest income to average assets | 0.1817% | 4,385 |
| Noninterest expense to average assets | 2.6209% | 2,477 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4675% | 4,124 |
| Return on assets (ROA) | 0.4675% | 4,196 |
| Pretax return on assets | 0.4917% | 4,294 |
| Return on Equity (ROE) | 3.7827% | 4,212 |
| Retained earnings to average equity (ytd only) | 3.7827% | 3,151 |
| Net charge-offs to loans | 0.0998% | 1,313 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 7.8077% | 2,546 |
| Efficiency ratio | 84.2023% | 590 |
| Assets per employee ($millions) | 6.1280% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8514% | 646 |
| Loan loss allowance to noncurrent loans | 11.9388% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 8.9027% | 18 |
| Noncurrent loans to loans | 15.5078% | 14 |
| Net loans and leases to total assets | 55.4613% | 3,665 |
| Net loans and leases to deposits | 63.9796% | 3,794 |
| Net loans and leases to core deposits | 66.6550% | 3,852 |
| Total domestic deposits to total assets | 86.6859% | 1,781 |
| Equity capital to assets | 12.5598% | 1,397 |
| Core capital (leverage) ratio | 12.3359% | 1,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1962% | 502 |
| Memoranda: | ||
| Average total assets | $55,043,000 | 4,609 |
| Average earning assets | $49,276,250 | 4,620 |
| Average equity | $6,802,750 | 4,569 |
| Average total loans | $34,749,000 | 4,442 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8206% | 3,809 |
| Cost of funding earning assets | 0.6123% | 2,908 |
| Net interest margin | 3.2083% | 3,647 |
| Noninterest income to average assets | 0.1891% | 4,331 |
| Noninterest expense to average assets | 2.6470% | 2,533 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3781% | 4,276 |
| Return on assets (ROA) | 0.3781% | 4,335 |
| Pretax return on assets | 0.4000% | 4,410 |
| Return on Equity (ROE) | 3.0763% | 4,333 |
| Retained earnings to average equity (ytd only) | 3.0763% | 3,353 |
| Net charge-offs to loans | 0.2114% | 735 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 2.8947% | 2,728 |
| Efficiency ratio | 86.8735% | 501 |
| Assets per employee ($millions) | 5.1293% | 3,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5865% | 1,038 |
| Loan loss allowance to noncurrent loans | 10.6263% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 9.7356% | 14 |
| Noncurrent loans to loans | 14.9295% | 15 |
| Net loans and leases to total assets | 62.1194% | 3,116 |
| Net loans and leases to deposits | 71.2653% | 3,324 |
| Net loans and leases to core deposits | 74.5533% | 3,416 |
| Total domestic deposits to total assets | 87.1664% | 1,555 |
| Equity capital to assets | 12.1602% | 1,563 |
| Core capital (leverage) ratio | 12.2484% | 1,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9542% | 678 |
| Memoranda: | ||
| Average total assets | $55,006,667 | 4,612 |
| Average earning assets | $48,997,333 | 4,637 |
| Average equity | $6,761,333 | 4,595 |
| Average total loans | $35,943,667 | 4,430 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1303% | 3,436 |
| Cost of funding earning assets | 0.6592% | 3,118 |
| Net interest margin | 3.4712% | 3,077 |
| Noninterest income to average assets | 0.1768% | 4,486 |
| Noninterest expense to average assets | 2.6078% | 2,961 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5967% | 3,606 |
| Return on assets (ROA) | 0.5967% | 3,662 |
| Pretax return on assets | 0.6335% | 3,853 |
| Return on Equity (ROE) | 4.8275% | 3,696 |
| Retained earnings to average equity (ytd only) | 4.8275% | 2,353 |
| Net charge-offs to loans | 0.4320% | 341 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 2.2051% | 2,309 |
| Efficiency ratio | 80.4545% | 1,096 |
| Assets per employee ($millions) | 4.5318% | 3,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5902% | 1,094 |
| Loan loss allowance to noncurrent loans | 8.6649% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 12.2929% | 11 |
| Noncurrent loans to loans | 18.3518% | 9 |
| Net loans and leases to total assets | 64.1842% | 3,044 |
| Net loans and leases to deposits | 73.8818% | 3,282 |
| Net loans and leases to core deposits | 77.4371% | 3,394 |
| Total domestic deposits to total assets | 86.8741% | 1,611 |
| Equity capital to assets | 12.4602% | 1,759 |
| Core capital (leverage) ratio | 12.5981% | 1,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6751% | 677 |
| Memoranda: | ||
| Average total assets | $54,299,000 | 4,633 |
| Average earning assets | $47,938,000 | 4,678 |
| Average equity | $6,711,500 | 4,632 |
| Average total loans | $36,108,500 | 4,448 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0662% | 4,116 |
| Cost of funding earning assets | 0.7568% | 2,879 |
| Net interest margin | 3.3094% | 3,968 |
| Noninterest income to average assets | 0.1975% | 4,479 |
| Noninterest expense to average assets | 2.7942% | 2,622 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3704% | 4,650 |
| Return on assets (ROA) | 0.3950% | 4,636 |
| Pretax return on assets | 0.4153% | 4,688 |
| Return on Equity (ROE) | 3.2692% | 4,615 |
| Retained earnings to average equity (ytd only) | 0.8249% | 4,451 |
| Net charge-offs to loans | 0.5689% | 323 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 0.9548% | 3,579 |
| Efficiency ratio | 87.7681% | 455 |
| Assets per employee ($millions) | 4.9288% | 2,673 |
| Cash dividends to net income (ytd only)* | 74.7664% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6436% | 897 |
| Loan loss allowance to noncurrent loans | 10.5631% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 10.8711% | 13 |
| Noncurrent loans to loans | 15.5596% | 8 |
| Net loans and leases to total assets | 66.6673% | 2,877 |
| Net loans and leases to deposits | 76.5670% | 3,127 |
| Net loans and leases to core deposits | 80.2545% | 3,275 |
| Total domestic deposits to total assets | 87.0705% | 1,570 |
| Equity capital to assets | 12.2600% | 1,972 |
| Core capital (leverage) ratio | 12.7115% | 1,366 |
| Tier 1 risk-based capital ratio | 19.7686% | 1,357 |
| Total risk-based capital ratio | 21.0243% | 1,329 |
| Memoranda: | ||
| Average total assets | $54,183,200 | 4,679 |
| Average earning assets | $48,891,200 | 4,692 |
| Average equity | $6,546,000 | 4,692 |
| Average total loans | $38,846,200 | 4,431 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0618% | 4,235 |
| Cost of funding earning assets | 0.7833% | 2,794 |
| Net interest margin | 3.2785% | 4,127 |
| Noninterest income to average assets | 0.2215% | 4,404 |
| Noninterest expense to average assets | 2.8008% | 2,558 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4001% | 4,723 |
| Return on assets (ROA) | 0.4332% | 4,686 |
| Pretax return on assets | 0.4528% | 4,750 |
| Return on Equity (ROE) | 3.5987% | 4,654 |
| Retained earnings to average equity (ytd only) | 0.3271% | 4,700 |
| Net charge-offs to loans | 1.0058% | 144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 0.5724% | 3,357 |
| Efficiency ratio | 87.0031% | 451 |
| Assets per employee ($millions) | 4.7445% | 2,859 |
| Cash dividends to net income (ytd only)* | 90.9103% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 1,598 |
| Loan loss allowance to noncurrent loans | 7.7488% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 13.5048% | 9 |
| Noncurrent loans to loans | 18.0055% | 9 |
| Net loans and leases to total assets | 71.5017% | 2,249 |
| Net loans and leases to deposits | 85.1147% | 2,307 |
| Net loans and leases to core deposits | 90.8661% | 2,479 |
| Total domestic deposits to total assets | 84.0062% | 2,826 |
| Equity capital to assets | 12.6502% | 1,814 |
| Core capital (leverage) ratio | 12.6562% | 1,502 |
| Tier 1 risk-based capital ratio | 19.1975% | 1,523 |
| Total risk-based capital ratio | 20.4503% | 1,489 |
| Memoranda: | ||
| Average total assets | $54,174,750 | 4,748 |
| Average earning assets | $49,533,250 | 4,745 |
| Average equity | $6,520,750 | 4,756 |
| Average total loans | $39,370,500 | 4,475 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0677% | 4,237 |
| Cost of funding earning assets | 0.7928% | 2,682 |
| Net interest margin | 3.2749% | 4,190 |
| Noninterest income to average assets | 0.1678% | 4,746 |
| Noninterest expense to average assets | 2.7792% | 2,664 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3641% | 4,782 |
| Return on assets (ROA) | 0.4121% | 4,735 |
| Pretax return on assets | 0.4377% | 4,778 |
| Return on Equity (ROE) | 3.4803% | 4,691 |
| Retained earnings to average equity (ytd only) | -1.4476% | 4,873 |
| Net charge-offs to loans | 0.4213% | 395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 1.2619% | 3,033 |
| Efficiency ratio | 87.7880% | 451 |
| Assets per employee ($millions) | 4.7435% | 2,816 |
| Cash dividends to net income (ytd only)* | 141.5929% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8842% | 580 |
| Loan loss allowance to noncurrent loans | 9.7138% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 15.2993% | 7 |
| Noncurrent loans to loans | 19.3966% | 5 |
| Net loans and leases to total assets | 73.8515% | 1,915 |
| Net loans and leases to deposits | 89.1849% | 1,833 |
| Net loans and leases to core deposits | 98.3236% | 1,864 |
| Total domestic deposits to total assets | 82.8073% | 3,271 |
| Equity capital to assets | 12.5223% | 1,845 |
| Core capital (leverage) ratio | 12.3327% | 1,618 |
| Tier 1 risk-based capital ratio | 18.5709% | 1,649 |
| Total risk-based capital ratio | 19.8312% | 1,611 |
| Memoranda: | ||
| Average total assets | $54,836,670 | 4,776 |
| Average earning assets | $50,200,330 | 4,771 |
| Average equity | $6,493,670 | 4,781 |
| Average total loans | $39,879,330 | 4,497 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2979% | 3,565 |
| Cost of funding earning assets | 0.7421% | 2,825 |
| Net interest margin | 3.5558% | 3,416 |
| Noninterest income to average assets | 0.1709% | 4,715 |
| Noninterest expense to average assets | 2.7846% | 2,623 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6623% | 4,054 |
| Return on assets (ROA) | 0.6623% | 4,091 |
| Pretax return on assets | 0.6623% | 4,392 |
| Return on Equity (ROE) | 5.7465% | 4,102 |
| Retained earnings to average equity (ytd only) | -4.1400% | 4,871 |
| Net charge-offs to loans | 0.3086% | 487 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,439 |
| Efficiency ratio | 80.7851% | 981 |
| Assets per employee ($millions) | 4.9990% | 2,520 |
| Cash dividends to net income (ytd only)* | 172.0430% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0350% | 465 |
| Loan loss allowance to noncurrent loans | 12.7267% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 11.7733% | 11 |
| Noncurrent loans to loans | 15.9896% | 7 |
| Net loans and leases to total assets | 69.4248% | 2,566 |
| Net loans and leases to deposits | 83.8038% | 2,410 |
| Net loans and leases to core deposits | 93.5640% | 2,165 |
| Total domestic deposits to total assets | 82.8420% | 3,444 |
| Equity capital to assets | 11.7878% | 2,165 |
| Core capital (leverage) ratio | 11.4314% | 2,187 |
| Tier 1 risk-based capital ratio | 18.8829% | 1,569 |
| Total risk-based capital ratio | 20.1455% | 1,532 |
| Memoranda: | ||
| Average total assets | $56,165,500 | 4,806 |
| Average earning assets | $51,746,500 | 4,802 |
| Average equity | $6,473,500 | 4,821 |
| Average total loans | $40,181,500 | 4,535 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3152% | 3,059 |
| Cost of funding earning assets | 0.8052% | 1,499 |
| Net interest margin | 3.5101% | 3,671 |
| Noninterest income to average assets | 0.3430% | 3,819 |
| Noninterest expense to average assets | 2.5840% | 3,384 |
| Loan and lease loss provision to assets | 0.0495% | 3,196 |
| Net operating income to assets | 0.8657% | 3,553 |
| Return on assets (ROA) | 0.8657% | 3,550 |
| Pretax return on assets | 0.9086% | 3,874 |
| Return on Equity (ROE) | 8.4356% | 3,249 |
| Retained earnings to average equity (ytd only) | 8.4356% | 1,070 |
| Net charge-offs to loans | 1.2741% | 94 |
| Credit loss provision to net charge-offs | 5.5351% | 3,441 |
| Earnings coverage of net charge-offs (x) | 1.0720% | 3,654 |
| Efficiency ratio | 72.9516% | 1,772 |
| Assets per employee ($millions) | 4.7785% | 2,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9906% | 479 |
| Loan loss allowance to noncurrent loans | 23.8013% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 6.2101% | 46 |
| Noncurrent loans to loans | 8.3635% | 42 |
| Net loans and leases to total assets | 70.7509% | 2,452 |
| Net loans and leases to deposits | 85.6775% | 2,318 |
| Net loans and leases to core deposits | 96.3612% | 2,030 |
| Total domestic deposits to total assets | 82.5782% | 3,459 |
| Equity capital to assets | 11.2745% | 2,446 |
| Core capital (leverage) ratio | 11.1194% | 2,425 |
| Tier 1 risk-based capital ratio | 17.4964% | 1,903 |
| Total risk-based capital ratio | 18.7557% | 1,855 |
| Memoranda: | ||
| Average total assets | $60,643,400 | 4,751 |
| Average earning assets | $55,269,200 | 4,766 |
| Average equity | $6,223,600 | 4,860 |
| Average total loans | $42,540,000 | 4,484 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2135% | 3,270 |
| Cost of funding earning assets | 0.7997% | 1,338 |
| Net interest margin | 3.4137% | 3,962 |
| Noninterest income to average assets | 0.3384% | 3,892 |
| Noninterest expense to average assets | 2.5009% | 3,595 |
| Loan and lease loss provision to assets | 0.0651% | 2,668 |
| Net operating income to assets | 0.8242% | 3,826 |
| Return on assets (ROA) | 0.8242% | 3,836 |
| Pretax return on assets | 0.8741% | 4,103 |
| Return on Equity (ROE) | 8.2205% | 3,457 |
| Retained earnings to average equity (ytd only) | 8.2205% | 1,549 |
| Net charge-offs to loans | 1.6843% | 66 |
| Credit loss provision to net charge-offs | 5.5453% | 3,072 |
| Earnings coverage of net charge-offs (x) | 0.8004% | 3,389 |
| Efficiency ratio | 72.6986% | 1,778 |
| Assets per employee ($millions) | 4.9081% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0027% | 483 |
| Loan loss allowance to noncurrent loans | 18.9699% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 7.5556% | 40 |
| Noncurrent loans to loans | 10.5574% | 27 |
| Net loans and leases to total assets | 68.5417% | 2,860 |
| Net loans and leases to deposits | 77.2583% | 3,300 |
| Net loans and leases to core deposits | 86.9310% | 2,924 |
| Total domestic deposits to total assets | 88.7176% | 947 |
| Equity capital to assets | 10.6508% | 2,986 |
| Core capital (leverage) ratio | 10.6867% | 2,895 |
| Tier 1 risk-based capital ratio | 16.1204% | 2,400 |
| Total risk-based capital ratio | 17.3797% | 2,341 |
| Memoranda: | ||
| Average total assets | $61,468,750 | 4,781 |
| Average earning assets | $55,851,250 | 4,806 |
| Average equity | $6,163,250 | 4,925 |
| Average total loans | $42,826,500 | 4,528 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8162% | 1,208 |
| Cost of funding earning assets | 0.7974% | 1,140 |
| Net interest margin | 4.0188% | 1,795 |
| Noninterest income to average assets | 0.2054% | 4,787 |
| Noninterest expense to average assets | 2.4516% | 3,771 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3445% | 1,621 |
| Return on assets (ROA) | 1.3445% | 1,625 |
| Pretax return on assets | 1.4087% | 2,113 |
| Return on Equity (ROE) | 13.6779% | 1,161 |
| Retained earnings to average equity (ytd only) | 13.6779% | 309 |
| Net charge-offs to loans | 2.0797% | 47 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 0.9734% | 3,096 |
| Efficiency ratio | 63.5079% | 3,383 |
| Assets per employee ($millions) | 5.4685% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1739% | 392 |
| Loan loss allowance to noncurrent loans | 19.8430% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 7.7718% | 39 |
| Noncurrent loans to loans | 10.9555% | 26 |
| Net loans and leases to total assets | 66.2062% | 3,114 |
| Net loans and leases to deposits | 74.5117% | 3,488 |
| Net loans and leases to core deposits | 84.9238% | 3,015 |
| Total domestic deposits to total assets | 88.8534% | 994 |
| Equity capital to assets | 10.5531% | 3,070 |
| Core capital (leverage) ratio | 10.1734% | 3,394 |
| Tier 1 risk-based capital ratio | 16.8165% | 2,159 |
| Total risk-based capital ratio | 18.0780% | 2,105 |
| Memoranda: | ||
| Average total assets | $62,326,000 | 4,823 |
| Average earning assets | $56,683,670 | 4,844 |
| Average equity | $6,126,670 | 4,985 |
| Average total loans | $43,370,670 | 4,559 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8755% | 3,999 |
| Cost of funding earning assets | 0.7779% | 1,062 |
| Net interest margin | 3.0976% | 4,710 |
| Noninterest income to average assets | 0.2208% | 4,687 |
| Noninterest expense to average assets | 2.2898% | 4,209 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7128% | 4,055 |
| Return on assets (ROA) | 0.7128% | 4,064 |
| Pretax return on assets | 0.7443% | 4,312 |
| Return on Equity (ROE) | 7.5133% | 3,582 |
| Retained earnings to average equity (ytd only) | 7.5133% | 2,039 |
| Net charge-offs to loans | 8.8768% | 7 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 0.1190% | 2,652 |
| Efficiency ratio | 75.4678% | 1,673 |
| Assets per employee ($millions) | 5.8950% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7884% | 4,818 |
| Loan loss allowance to noncurrent loans | 5.1528% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 10.6269% | 18 |
| Noncurrent loans to loans | 15.3010% | 8 |
| Net loans and leases to total assets | 66.7546% | 2,931 |
| Net loans and leases to deposits | 73.9898% | 3,418 |
| Net loans and leases to core deposits | 84.9414% | 2,901 |
| Total domestic deposits to total assets | 90.2213% | 575 |
| Equity capital to assets | 9.3253% | 4,245 |
| Core capital (leverage) ratio | 9.3615% | 4,241 |
| Tier 1 risk-based capital ratio | 14.7691% | 2,998 |
| Total risk-based capital ratio | 15.5957% | 3,112 |
| Memoranda: | ||
| Average total assets | $63,412,500 | 4,864 |
| Average earning assets | $57,593,000 | 4,883 |
| Average equity | $6,016,000 | 5,054 |
| Average total loans | $44,701,000 | 4,575 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9018% | 3,720 |
| Cost of funding earning assets | 0.7677% | 746 |
| Net interest margin | 3.1341% | 4,618 |
| Noninterest income to average assets | 0.2733% | 4,492 |
| Noninterest expense to average assets | 2.0334% | 4,904 |
| Loan and lease loss provision to assets | 2.5612% | 26 |
| Net operating income to assets | -1.3977% | 5,624 |
| Return on assets (ROA) | -1.3977% | 5,624 |
| Pretax return on assets | -1.4649% | 5,631 |
| Return on Equity (ROE) | -13.2991% | 5,620 |
| Retained earnings to average equity (ytd only) | -16.7910% | 5,601 |
| Net charge-offs to loans | 1.8856% | 75 |
| Credit loss provision to net charge-offs | 195.7041% | 1,398 |
| Earnings coverage of net charge-offs (x) | 0.8377% | 3,955 |
| Efficiency ratio | 64.9701% | 3,453 |
| Assets per employee ($millions) | 5.6345% | 1,808 |
| Cash dividends to net income (ytd only)* | -26.2570% | 5,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9189% | 156 |
| Loan loss allowance to noncurrent loans | 20.0420% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 11.1020% | 20 |
| Noncurrent loans to loans | 14.5638% | 7 |
| Net loans and leases to total assets | 71.6925% | 2,277 |
| Net loans and leases to deposits | 79.7784% | 2,940 |
| Net loans and leases to core deposits | 92.2769% | 2,348 |
| Total domestic deposits to total assets | 89.8645% | 616 |
| Equity capital to assets | 9.6563% | 4,080 |
| Core capital (leverage) ratio | 9.0785% | 4,551 |
| Tier 1 risk-based capital ratio | 14.0662% | 3,324 |
| Total risk-based capital ratio | 15.3392% | 3,212 |
| Memoranda: | ||
| Average total assets | $64,031,600 | 4,878 |
| Average earning assets | $58,357,800 | 4,903 |
| Average equity | $6,729,800 | 4,989 |
| Average total loans | $44,442,600 | 4,608 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5430% | 1,522 |
| Cost of funding earning assets | 0.7309% | 841 |
| Net interest margin | 3.8121% | 2,353 |
| Noninterest income to average assets | 0.2052% | 4,977 |
| Noninterest expense to average assets | 1.9476% | 5,048 |
| Loan and lease loss provision to assets | 0.5069% | 229 |
| Net operating income to assets | 1.1800% | 1,774 |
| Return on assets (ROA) | 1.1800% | 1,820 |
| Pretax return on assets | 1.2293% | 2,787 |
| Return on Equity (ROE) | 10.4548% | 1,925 |
| Retained earnings to average equity (ytd only) | 6.1819% | 2,119 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8691% | 5,033 |
| Assets per employee ($millions) | 5.9182% | 1,556 |
| Cash dividends to net income (ytd only)* | 40.8700% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6718% | 1,088 |
| Loan loss allowance to noncurrent loans | 10.2148% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 12.0876% | 16 |
| Noncurrent loans to loans | 16.3666% | 5 |
| Net loans and leases to total assets | 70.4700% | 2,489 |
| Net loans and leases to deposits | 83.8776% | 2,571 |
| Net loans and leases to core deposits | 97.2361% | 1,953 |
| Total domestic deposits to total assets | 84.0154% | 3,117 |
| Equity capital to assets | 11.5637% | 2,306 |
| Core capital (leverage) ratio | 11.4938% | 2,022 |
| Tier 1 risk-based capital ratio | 16.7340% | 2,239 |
| Total risk-based capital ratio | 17.9898% | 2,192 |
| Memoranda: | ||
| Average total assets | $64,967,750 | 4,918 |
| Average earning assets | $59,283,500 | 4,927 |
| Average equity | $7,333,000 | 4,939 |
| Average total loans | $44,272,000 | 4,655 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5205% | 1,465 |
| Cost of funding earning assets | 0.7173% | 817 |
| Net interest margin | 3.8031% | 2,277 |
| Noninterest income to average assets | 0.2033% | 5,031 |
| Noninterest expense to average assets | 1.8915% | 5,196 |
| Loan and lease loss provision to assets | 0.6531% | 171 |
| Net operating income to assets | 1.0751% | 2,105 |
| Return on assets (ROA) | 1.0751% | 2,151 |
| Pretax return on assets | 1.1213% | 3,086 |
| Return on Equity (ROE) | 9.6037% | 2,213 |
| Retained earnings to average equity (ytd only) | 4.6505% | 2,943 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5966% | 5,207 |
| Assets per employee ($millions) | 6.3667% | 1,220 |
| Cash dividends to net income (ytd only)* | 51.5759% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6435% | 1,173 |
| Loan loss allowance to noncurrent loans | 16.9049% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 7.2879% | 52 |
| Noncurrent loans to loans | 9.7218% | 29 |
| Net loans and leases to total assets | 70.0300% | 2,520 |
| Net loans and leases to deposits | 80.6432% | 2,844 |
| Net loans and leases to core deposits | 90.0564% | 2,522 |
| Total domestic deposits to total assets | 86.8393% | 2,021 |
| Equity capital to assets | 11.5570% | 2,267 |
| Core capital (leverage) ratio | 11.1424% | 2,279 |
| Tier 1 risk-based capital ratio | 17.2418% | 2,080 |
| Total risk-based capital ratio | 18.4979% | 2,029 |
| Memoranda: | ||
| Average total assets | $64,923,670 | 4,955 |
| Average earning assets | $59,109,000 | 4,971 |
| Average equity | $7,268,000 | 4,968 |
| Average total loans | $43,477,330 | 4,702 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3758% | 1,729 |
| Cost of funding earning assets | 0.7023% | 834 |
| Net interest margin | 3.6735% | 2,588 |
| Noninterest income to average assets | 0.2258% | 4,921 |
| Noninterest expense to average assets | 1.7696% | 5,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7025% | 548 |
| Return on assets (ROA) | 1.7025% | 560 |
| Pretax return on assets | 1.7757% | 845 |
| Return on Equity (ROE) | 15.4506% | 597 |
| Retained earnings to average equity (ytd only) | 8.5283% | 1,268 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9139% | 5,380 |
| Assets per employee ($millions) | 8.5024% | 506 |
| Cash dividends to net income (ytd only)* | 44.8029% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2272% | 2,957 |
| Loan loss allowance to noncurrent loans | 50.4257% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 1.5540% | 1,015 |
| Noncurrent loans to loans | 2.4337% | 655 |
| Net loans and leases to total assets | 63.0691% | 3,394 |
| Net loans and leases to deposits | 71.0578% | 3,689 |
| Net loans and leases to core deposits | 78.9296% | 3,394 |
| Total domestic deposits to total assets | 88.7576% | 1,286 |
| Equity capital to assets | 10.7543% | 2,905 |
| Core capital (leverage) ratio | 10.8869% | 2,495 |
| Tier 1 risk-based capital ratio | 17.5777% | 2,013 |
| Total risk-based capital ratio | 18.8270% | 1,966 |
| Memoranda: | ||
| Average total assets | $65,552,000 | 4,988 |
| Average earning assets | $59,235,500 | 5,022 |
| Average equity | $7,223,000 | 5,024 |
| Average total loans | $42,550,500 | 4,771 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2756% | 2,225 |
| Cost of funding earning assets | 0.6485% | 1,064 |
| Net interest margin | 3.6272% | 2,974 |
| Noninterest income to average assets | 0.2162% | 5,121 |
| Noninterest expense to average assets | 2.0000% | 5,187 |
| Loan and lease loss provision to assets | 0.0576% | 3,233 |
| Net operating income to assets | 1.4043% | 1,002 |
| Return on assets (ROA) | 1.4043% | 1,021 |
| Pretax return on assets | 1.4635% | 1,701 |
| Return on Equity (ROE) | 12.7735% | 1,050 |
| Retained earnings to average equity (ytd only) | 9.5692% | 483 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7985% | 4,975 |
| Assets per employee ($millions) | 6.3085% | 1,252 |
| Cash dividends to net income (ytd only)* | 25.0855% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 2,657 |
| Loan loss allowance to noncurrent loans | 951.7857% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.0888% | 4,985 |
| Noncurrent loans to loans | 0.1344% | 4,694 |
| Net loans and leases to total assets | 65.2073% | 3,191 |
| Net loans and leases to deposits | 75.4471% | 3,373 |
| Net loans and leases to core deposits | 84.8112% | 2,945 |
| Total domestic deposits to total assets | 86.4278% | 2,404 |
| Equity capital to assets | 11.3038% | 2,324 |
| Core capital (leverage) ratio | 11.0436% | 2,303 |
| Tier 1 risk-based capital ratio | 17.9903% | 1,848 |
| Total risk-based capital ratio | 19.2410% | 1,812 |
| Memoranda: | ||
| Average total assets | $62,451,400 | 5,083 |
| Average earning assets | $56,904,000 | 5,106 |
| Average equity | $6,865,800 | 5,121 |
| Average total loans | $39,209,800 | 4,902 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2151% | 2,462 |
| Cost of funding earning assets | 0.6296% | 1,143 |
| Net interest margin | 3.5856% | 3,131 |
| Noninterest income to average assets | 0.2247% | 5,126 |
| Noninterest expense to average assets | 2.0077% | 5,186 |
| Loan and lease loss provision to assets | 0.0385% | 3,468 |
| Net operating income to assets | 1.3977% | 1,072 |
| Return on assets (ROA) | 1.3977% | 1,129 |
| Pretax return on assets | 1.4576% | 1,861 |
| Return on Equity (ROE) | 12.8045% | 1,109 |
| Retained earnings to average equity (ytd only) | 9.5691% | 669 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2999% | 4,918 |
| Assets per employee ($millions) | 6.1908% | 1,301 |
| Cash dividends to net income (ytd only)* | 25.2676% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 3,061 |
| Loan loss allowance to noncurrent loans | 1,430.5556% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 5,213 |
| Noncurrent loans to loans | 0.0860% | 5,000 |
| Net loans and leases to total assets | 66.7474% | 2,995 |
| Net loans and leases to deposits | 79.2338% | 3,058 |
| Net loans and leases to core deposits | 89.5617% | 2,615 |
| Total domestic deposits to total assets | 84.2411% | 3,127 |
| Equity capital to assets | 11.4266% | 2,579 |
| Core capital (leverage) ratio | 11.2639% | 2,216 |
| Tier 1 risk-based capital ratio | 17.5665% | 2,052 |
| Total risk-based capital ratio | 18.8147% | 2,017 |
| Memoranda: | ||
| Average total assets | $62,293,000 | 5,133 |
| Average earning assets | $56,968,000 | 5,151 |
| Average equity | $6,799,500 | 5,177 |
| Average total loans | $38,595,000 | 4,974 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0936% | 2,887 |
| Cost of funding earning assets | 0.6160% | 1,215 |
| Net interest margin | 3.4776% | 3,574 |
| Noninterest income to average assets | 0.2147% | 5,205 |
| Noninterest expense to average assets | 1.9929% | 5,285 |
| Loan and lease loss provision to assets | 0.0384% | 3,388 |
| Net operating income to assets | 1.2944% | 1,283 |
| Return on assets (ROA) | 1.2944% | 1,395 |
| Pretax return on assets | 1.3489% | 2,210 |
| Return on Equity (ROE) | 12.0453% | 1,301 |
| Retained earnings to average equity (ytd only) | 8.7657% | 914 |
| Net charge-offs to loans | 0.0160% | 3,198 |
| Credit loss provision to net charge-offs | 400.0000% | 772 |
| Earnings coverage of net charge-offs (x) | 144.3333% | 425 |
| Efficiency ratio | 58.9573% | 4,776 |
| Assets per employee ($millions) | 5.6609% | 1,653 |
| Cash dividends to net income (ytd only)* | 27.2277% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2306% | 3,186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 65.4778% | 3,156 |
| Net loans and leases to deposits | 77.3843% | 3,220 |
| Net loans and leases to core deposits | 84.2365% | 3,061 |
| Total domestic deposits to total assets | 84.6138% | 3,042 |
| Equity capital to assets | 11.1081% | 2,935 |
| Core capital (leverage) ratio | 10.8377% | 2,607 |
| Tier 1 risk-based capital ratio | 17.0383% | 2,204 |
| Total risk-based capital ratio | 18.2884% | 2,166 |
| Memoranda: | ||
| Average total assets | $62,421,330 | 5,189 |
| Average earning assets | $56,820,000 | 5,206 |
| Average equity | $6,708,000 | 5,245 |
| Average total loans | $37,514,330 | 5,057 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9771% | 3,302 |
| Cost of funding earning assets | 0.6048% | 1,304 |
| Net interest margin | 3.3724% | 3,970 |
| Noninterest income to average assets | 0.2304% | 5,094 |
| Noninterest expense to average assets | 2.0097% | 5,312 |
| Loan and lease loss provision to assets | 0.0384% | 3,140 |
| Net operating income to assets | 1.1649% | 1,661 |
| Return on assets (ROA) | 1.1649% | 1,768 |
| Pretax return on assets | 1.2161% | 2,638 |
| Return on Equity (ROE) | 11.0245% | 1,592 |
| Retained earnings to average equity (ytd only) | 7.0872% | 1,846 |
| Net charge-offs to loans | -0.0112% | 4,579 |
| Credit loss provision to net charge-offs | -600.0000% | 4,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5686% | 4,515 |
| Assets per employee ($millions) | 5.8732% | 1,512 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3711% | 2,556 |
| Loan loss allowance to noncurrent loans | 2,525.0000% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 5,425 |
| Noncurrent loans to loans | 0.0543% | 5,270 |
| Net loans and leases to total assets | 56.2294% | 4,228 |
| Net loans and leases to deposits | 63.0163% | 4,504 |
| Net loans and leases to core deposits | 67.8971% | 4,410 |
| Total domestic deposits to total assets | 89.2299% | 979 |
| Equity capital to assets | 10.3459% | 3,688 |
| Core capital (leverage) ratio | 10.1162% | 3,407 |
| Tier 1 risk-based capital ratio | 16.9960% | 2,290 |
| Total risk-based capital ratio | 18.2457% | 2,240 |
| Memoranda: | ||
| Average total assets | $62,497,000 | 5,238 |
| Average earning assets | $56,221,500 | 5,261 |
| Average equity | $6,603,500 | 5,305 |
| Average total loans | $35,631,000 | 5,158 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7341% | 4,259 |
| Cost of funding earning assets | 0.4198% | 2,942 |
| Net interest margin | 3.3143% | 4,230 |
| Noninterest income to average assets | 0.1850% | 5,488 |
| Noninterest expense to average assets | 1.9020% | 5,614 |
| Loan and lease loss provision to assets | 0.0295% | 3,782 |
| Net operating income to assets | 1.2492% | 1,386 |
| Return on assets (ROA) | 1.2571% | 1,422 |
| Pretax return on assets | 1.3111% | 2,238 |
| Return on Equity (ROE) | 12.2465% | 1,242 |
| Retained earnings to average equity (ytd only) | 9.5357% | 528 |
| Net charge-offs to loans | 0.0131% | 4,034 |
| Credit loss provision to net charge-offs | 450.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 203.5000% | 331 |
| Efficiency ratio | 58.8057% | 5,048 |
| Assets per employee ($millions) | 5.4899% | 1,815 |
| Cash dividends to net income (ytd only)* | 22.1354% | 3,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 2,234 |
| Loan loss allowance to noncurrent loans | 12,425.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 5,589 |
| Noncurrent loans to loans | 0.0116% | 5,489 |
| Net loans and leases to total assets | 56.1907% | 4,283 |
| Net loans and leases to deposits | 63.2937% | 4,523 |
| Net loans and leases to core deposits | 68.3871% | 4,414 |
| Total domestic deposits to total assets | 88.7778% | 1,240 |
| Equity capital to assets | 10.8016% | 3,028 |
| Core capital (leverage) ratio | 10.5084% | 2,918 |
| Tier 1 risk-based capital ratio | 17.6915% | 2,056 |
| Total risk-based capital ratio | 18.9426% | 2,010 |
| Memoranda: | ||
| Average total assets | $61,094,400 | 5,294 |
| Average earning assets | $56,211,200 | 5,287 |
| Average equity | $6,271,200 | 5,380 |
| Average total loans | $30,516,000 | 5,341 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6290% | 4,645 |
| Cost of funding earning assets | 0.3988% | 3,239 |
| Net interest margin | 3.2302% | 4,575 |
| Noninterest income to average assets | 0.1828% | 5,562 |
| Noninterest expense to average assets | 1.8431% | 5,720 |
| Loan and lease loss provision to assets | 0.0392% | 3,427 |
| Net operating income to assets | 1.2425% | 1,519 |
| Return on assets (ROA) | 1.2425% | 1,574 |
| Pretax return on assets | 1.2969% | 2,413 |
| Return on Equity (ROE) | 12.2629% | 1,301 |
| Retained earnings to average equity (ytd only) | 9.4711% | 744 |
| Net charge-offs to loans | 0.0180% | 3,588 |
| Credit loss provision to net charge-offs | 450.0000% | 700 |
| Earnings coverage of net charge-offs (x) | 153.5929% | 456 |
| Efficiency ratio | 57.9740% | 5,123 |
| Assets per employee ($millions) | 6.1874% | 1,248 |
| Cash dividends to net income (ytd only)* | 22.7673% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5049% | 2,136 |
| Loan loss allowance to noncurrent loans | 279.2135% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.3071% | 4,541 |
| Noncurrent loans to loans | 0.5390% | 3,726 |
| Net loans and leases to total assets | 52.5730% | 4,703 |
| Net loans and leases to deposits | 63.2147% | 4,627 |
| Net loans and leases to core deposits | 66.4657% | 4,654 |
| Total domestic deposits to total assets | 83.1658% | 3,748 |
| Equity capital to assets | 10.4600% | 3,642 |
| Core capital (leverage) ratio | 10.3412% | 3,206 |
| Tier 1 risk-based capital ratio | 17.7020% | 2,117 |
| Total risk-based capital ratio | 18.9511% | 2,082 |
| Memoranda: | ||
| Average total assets | $61,270,750 | 5,351 |
| Average earning assets | $56,837,000 | 5,341 |
| Average equity | $6,208,250 | 5,457 |
| Average total loans | $29,537,500 | 5,442 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5693% | 4,811 |
| Cost of funding earning assets | 0.3989% | 3,288 |
| Net interest margin | 3.1704% | 4,750 |
| Noninterest income to average assets | 0.1736% | 5,660 |
| Noninterest expense to average assets | 1.8471% | 5,788 |
| Loan and lease loss provision to assets | 0.0589% | 2,923 |
| Net operating income to assets | 1.1561% | 1,756 |
| Return on assets (ROA) | 1.1561% | 1,823 |
| Pretax return on assets | 1.2085% | 2,742 |
| Return on Equity (ROE) | 11.5353% | 1,515 |
| Retained earnings to average equity (ytd only) | 8.5943% | 1,042 |
| Net charge-offs to loans | -0.0070% | 4,833 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3060% | 5,076 |
| Assets per employee ($millions) | 6.0754% | 1,295 |
| Cash dividends to net income (ytd only)* | 25.4958% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6878% | 1,630 |
| Loan loss allowance to noncurrent loans | 183.8828% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.4691% | 4,056 |
| Noncurrent loans to loans | 0.9179% | 2,833 |
| Net loans and leases to total assets | 48.1285% | 5,093 |
| Net loans and leases to deposits | 53.8649% | 5,263 |
| Net loans and leases to core deposits | 56.4817% | 5,279 |
| Total domestic deposits to total assets | 89.3505% | 979 |
| Equity capital to assets | 10.2314% | 3,773 |
| Core capital (leverage) ratio | 9.7089% | 3,987 |
| Tier 1 risk-based capital ratio | 18.3790% | 1,958 |
| Total risk-based capital ratio | 19.6300% | 1,921 |
| Memoranda: | ||
| Average total assets | $61,069,670 | 5,418 |
| Average earning assets | $56,649,000 | 5,403 |
| Average equity | $6,120,330 | 5,523 |
| Average total loans | $28,374,670 | 5,538 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5929% | 4,712 |
| Cost of funding earning assets | 0.3930% | 3,376 |
| Net interest margin | 3.1999% | 4,611 |
| Noninterest income to average assets | 0.1960% | 5,539 |
| Noninterest expense to average assets | 1.8488% | 5,825 |
| Loan and lease loss provision to assets | 0.1176% | 1,755 |
| Net operating income to assets | 1.1498% | 1,702 |
| Return on assets (ROA) | 1.1498% | 1,807 |
| Pretax return on assets | 1.2086% | 2,629 |
| Return on Equity (ROE) | 11.5932% | 1,452 |
| Retained earnings to average equity (ytd only) | 8.2997% | 1,456 |
| Net charge-offs to loans | -0.0144% | 4,894 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2305% | 5,308 |
| Assets per employee ($millions) | 6.4472% | 1,105 |
| Cash dividends to net income (ytd only)* | 28.4091% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7995% | 1,501 |
| Loan loss allowance to noncurrent loans | 2,091.6667% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 5,709 |
| Noncurrent loans to loans | 0.0860% | 5,437 |
| Net loans and leases to total assets | 42.4898% | 5,448 |
| Net loans and leases to deposits | 47.1960% | 5,611 |
| Net loans and leases to core deposits | 49.3266% | 5,620 |
| Total domestic deposits to total assets | 90.0282% | 736 |
| Equity capital to assets | 9.6073% | 4,625 |
| Core capital (leverage) ratio | 9.6692% | 4,050 |
| Tier 1 risk-based capital ratio | 18.8732% | 1,905 |
| Total risk-based capital ratio | 20.1245% | 1,866 |
| Memoranda: | ||
| Average total assets | $61,227,500 | 5,473 |
| Average earning assets | $57,001,000 | 5,444 |
| Average equity | $6,072,500 | 5,583 |
| Average total loans | $27,691,000 | 5,611 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3599% | 5,605 |
| Cost of funding earning assets | 0.4425% | 3,243 |
| Net interest margin | 2.9174% | 5,607 |
| Noninterest income to average assets | 0.2123% | 5,587 |
| Noninterest expense to average assets | 1.9714% | 5,818 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8752% | 2,995 |
| Return on assets (ROA) | 0.8752% | 3,079 |
| Pretax return on assets | 0.9135% | 3,858 |
| Return on Equity (ROE) | 8.7965% | 2,682 |
| Retained earnings to average equity (ytd only) | 5.5612% | 2,225 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3353% | 3,841 |
| Assets per employee ($millions) | 5.7983% | 1,524 |
| Cash dividends to net income (ytd only)* | 36.7793% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7573% | 1,638 |
| Loan loss allowance to noncurrent loans | 2,195.4545% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 5,781 |
| Noncurrent loans to loans | 0.0800% | 5,564 |
| Net loans and leases to total assets | 46.5705% | 5,278 |
| Net loans and leases to deposits | 55.7879% | 5,197 |
| Net loans and leases to core deposits | 58.8544% | 5,210 |
| Total domestic deposits to total assets | 83.4779% | 3,920 |
| Equity capital to assets | 10.2634% | 3,770 |
| Core capital (leverage) ratio | 10.3440% | 3,119 |
| Tier 1 risk-based capital ratio | 18.6667% | 1,940 |
| Total risk-based capital ratio | 19.9210% | 1,904 |
| Memoranda: | ||
| Average total assets | $57,472,800 | 5,615 |
| Average earning assets | $52,649,800 | 5,604 |
| Average equity | $5,718,200 | 5,691 |
| Average total loans | $23,486,800 | 5,840 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3186% | 5,732 |
| Cost of funding earning assets | 0.4464% | 3,294 |
| Net interest margin | 2.8722% | 5,757 |
| Noninterest income to average assets | 0.2162% | 5,638 |
| Noninterest expense to average assets | 1.9228% | 5,914 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8719% | 3,063 |
| Return on assets (ROA) | 0.8719% | 3,157 |
| Pretax return on assets | 0.9114% | 3,941 |
| Return on Equity (ROE) | 8.8337% | 2,768 |
| Retained earnings to average equity (ytd only) | 5.3002% | 2,878 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8425% | 3,888 |
| Assets per employee ($millions) | 5.6547% | 1,592 |
| Cash dividends to net income (ytd only)* | 40.0008% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0363% | 1,192 |
| Loan loss allowance to noncurrent loans | 4,390.9091% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 6,007 |
| Noncurrent loans to loans | 0.0464% | 5,827 |
| Net loans and leases to total assets | 41.0915% | 5,745 |
| Net loans and leases to deposits | 46.0411% | 5,860 |
| Net loans and leases to core deposits | 48.4548% | 5,863 |
| Total domestic deposits to total assets | 89.2497% | 1,102 |
| Equity capital to assets | 10.3312% | 3,755 |
| Core capital (leverage) ratio | 10.2253% | 3,377 |
| Tier 1 risk-based capital ratio | 20.6411% | 1,519 |
| Total risk-based capital ratio | 21.8976% | 1,486 |
| Memoranda: | ||
| Average total assets | $57,345,250 | 5,679 |
| Average earning assets | $52,269,750 | 5,674 |
| Average equity | $5,660,000 | 5,756 |
| Average total loans | $22,487,000 | 5,936 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3043% | 5,783 |
| Cost of funding earning assets | 0.4530% | 3,293 |
| Net interest margin | 2.8513% | 5,815 |
| Noninterest income to average assets | 0.2013% | 5,755 |
| Noninterest expense to average assets | 1.9649% | 5,884 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7985% | 3,347 |
| Return on assets (ROA) | 0.7985% | 3,449 |
| Pretax return on assets | 0.8366% | 4,135 |
| Return on Equity (ROE) | 8.2153% | 2,980 |
| Retained earnings to average equity (ytd only) | 4.1076% | 3,562 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1363% | 3,632 |
| Assets per employee ($millions) | 5.8208% | 1,404 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2476% | 958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 6,164 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 36.0895% | 6,050 |
| Net loans and leases to deposits | 40.2217% | 6,145 |
| Net loans and leases to core deposits | 42.2549% | 6,138 |
| Total domestic deposits to total assets | 89.7265% | 952 |
| Equity capital to assets | 9.8938% | 4,254 |
| Core capital (leverage) ratio | 9.7797% | 3,918 |
| Tier 1 risk-based capital ratio | 22.2166% | 1,228 |
| Total risk-based capital ratio | 23.4744% | 1,208 |
| Memoranda: | ||
| Average total assets | $57,611,330 | 5,723 |
| Average earning assets | $52,537,670 | 5,717 |
| Average equity | $5,599,330 | 5,805 |
| Average total loans | $22,076,330 | 5,984 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3262% | 5,793 |
| Cost of funding earning assets | 0.4556% | 3,370 |
| Net interest margin | 2.8705% | 5,811 |
| Noninterest income to average assets | 0.2164% | 5,622 |
| Noninterest expense to average assets | 1.9612% | 5,958 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8515% | 2,889 |
| Return on assets (ROA) | 0.8515% | 2,961 |
| Pretax return on assets | 0.8933% | 3,722 |
| Return on Equity (ROE) | 8.8414% | 2,534 |
| Retained earnings to average equity (ytd only) | 3.0438% | 4,289 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7042% | 4,062 |
| Assets per employee ($millions) | 6.0546% | 1,265 |
| Cash dividends to net income (ytd only)* | 65.5738% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2471% | 1,100 |
| Loan loss allowance to noncurrent loans | 3,018.7500% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 6,144 |
| Noncurrent loans to loans | 0.0744% | 5,915 |
| Net loans and leases to total assets | 34.7025% | 6,140 |
| Net loans and leases to deposits | 38.3615% | 6,233 |
| Net loans and leases to core deposits | 39.8200% | 6,241 |
| Total domestic deposits to total assets | 90.4618% | 820 |
| Equity capital to assets | 9.2178% | 4,856 |
| Core capital (leverage) ratio | 9.1774% | 4,751 |
| Tier 1 risk-based capital ratio | 21.7985% | 1,321 |
| Total risk-based capital ratio | 23.0567% | 1,297 |
| Memoranda: | ||
| Average total assets | $57,313,000 | 5,782 |
| Average earning assets | $52,673,000 | 5,769 |
| Average equity | $5,519,500 | 5,859 |
| Average total loans | $22,369,500 | 6,032 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5330% | 5,572 |
| Cost of funding earning assets | 0.5833% | 2,802 |
| Net interest margin | 2.9497% | 5,681 |
| Noninterest income to average assets | 0.2032% | 5,867 |
| Noninterest expense to average assets | 1.8137% | 6,300 |
| Loan and lease loss provision to assets | 0.0205% | 4,723 |
| Net operating income to assets | 1.0452% | 2,134 |
| Return on assets (ROA) | 1.0452% | 2,205 |
| Pretax return on assets | 1.0896% | 2,985 |
| Return on Equity (ROE) | 11.1626% | 1,714 |
| Retained earnings to average equity (ytd only) | 6.4203% | 1,728 |
| Net charge-offs to loans | -0.0122% | 6,052 |
| Credit loss provision to net charge-offs | -400.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0327% | 5,210 |
| Assets per employee ($millions) | 5.4080% | 1,747 |
| Cash dividends to net income (ytd only)* | 42.4837% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0779% | 1,373 |
| Loan loss allowance to noncurrent loans | 16,100.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 6,307 |
| Noncurrent loans to loans | 0.0129% | 6,240 |
| Net loans and leases to total assets | 42.0895% | 5,819 |
| Net loans and leases to deposits | 46.9930% | 5,953 |
| Net loans and leases to core deposits | 49.0201% | 5,985 |
| Total domestic deposits to total assets | 89.5655% | 1,291 |
| Equity capital to assets | 10.0925% | 3,643 |
| Core capital (leverage) ratio | 9.7391% | 3,927 |
| Tier 1 risk-based capital ratio | 20.5289% | 1,534 |
| Total risk-based capital ratio | 21.7851% | 1,509 |
| Memoranda: | ||
| Average total assets | $58,552,800 | 5,792 |
| Average earning assets | $54,005,200 | 5,761 |
| Average equity | $5,482,600 | 5,934 |
| Average total loans | $24,585,000 | 6,004 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5269% | 5,621 |
| Cost of funding earning assets | 0.6012% | 2,798 |
| Net interest margin | 2.9258% | 5,755 |
| Noninterest income to average assets | 0.2056% | 5,948 |
| Noninterest expense to average assets | 1.7607% | 6,396 |
| Loan and lease loss provision to assets | 0.0201% | 4,597 |
| Net operating income to assets | 1.0792% | 2,088 |
| Return on assets (ROA) | 1.0792% | 2,170 |
| Pretax return on assets | 1.1217% | 3,013 |
| Return on Equity (ROE) | 11.7327% | 1,568 |
| Retained earnings to average equity (ytd only) | 6.5100% | 2,126 |
| Net charge-offs to loans | -0.0107% | 5,903 |
| Credit loss provision to net charge-offs | -450.0000% | 6,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6620% | 5,335 |
| Assets per employee ($millions) | 5.8754% | 1,325 |
| Cash dividends to net income (ytd only)* | 44.5138% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1714% | 1,377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 6,431 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 36.7294% | 6,242 |
| Net loans and leases to deposits | 40.6594% | 6,365 |
| Net loans and leases to core deposits | 42.2475% | 6,378 |
| Total domestic deposits to total assets | 90.3343% | 829 |
| Equity capital to assets | 9.2964% | 4,810 |
| Core capital (leverage) ratio | 9.1262% | 4,929 |
| Tier 1 risk-based capital ratio | 24.1426% | 978 |
| Total risk-based capital ratio | 25.4013% | 961 |
| Memoranda: | ||
| Average total assets | $59,671,000 | 5,829 |
| Average earning assets | $55,003,750 | 5,791 |
| Average equity | $5,488,750 | 6,008 |
| Average total loans | $24,920,000 | 6,041 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5599% | 5,561 |
| Cost of funding earning assets | 0.6374% | 2,613 |
| Net interest margin | 2.9226% | 5,745 |
| Noninterest income to average assets | 0.1867% | 6,091 |
| Noninterest expense to average assets | 1.7540% | 6,446 |
| Loan and lease loss provision to assets | 0.0200% | 4,497 |
| Net operating income to assets | 1.0571% | 2,090 |
| Return on assets (ROA) | 1.0571% | 2,204 |
| Pretax return on assets | 1.1038% | 3,084 |
| Return on Equity (ROE) | 11.5322% | 1,627 |
| Retained earnings to average equity (ytd only) | 5.3477% | 2,843 |
| Net charge-offs to loans | -0.0077% | 5,718 |
| Credit loss provision to net charge-offs | -600.0000% | 5,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9502% | 5,341 |
| Assets per employee ($millions) | 6.3404% | 987 |
| Cash dividends to net income (ytd only)* | 53.6278% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9300% | 2,021 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 6,486 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 38.0670% | 6,175 |
| Net loans and leases to deposits | 41.6396% | 6,344 |
| Net loans and leases to core deposits | 43.1208% | 6,364 |
| Total domestic deposits to total assets | 91.4201% | 406 |
| Equity capital to assets | 8.2408% | 6,026 |
| Core capital (leverage) ratio | 8.4827% | 5,693 |
| Tier 1 risk-based capital ratio | 21.0321% | 1,484 |
| Total risk-based capital ratio | 22.2899% | 1,457 |
| Memoranda: | ||
| Average total assets | $59,976,670 | 5,855 |
| Average earning assets | $55,225,670 | 5,819 |
| Average equity | $5,497,670 | 6,043 |
| Average total loans | $25,873,670 | 6,030 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6813% | 5,226 |
| Cost of funding earning assets | 0.6944% | 2,269 |
| Net interest margin | 2.9868% | 5,606 |
| Noninterest income to average assets | 0.2060% | 6,005 |
| Noninterest expense to average assets | 1.7644% | 6,477 |
| Loan and lease loss provision to assets | 0.0206% | 4,212 |
| Net operating income to assets | 1.1191% | 1,783 |
| Return on assets (ROA) | 1.1191% | 1,894 |
| Pretax return on assets | 1.1671% | 2,693 |
| Return on Equity (ROE) | 11.5726% | 1,533 |
| Retained earnings to average equity (ytd only) | 2.6979% | 4,670 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7674% | 5,620 |
| Assets per employee ($millions) | 7.1354% | 724 |
| Cash dividends to net income (ytd only)* | 76.6871% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8214% | 2,546 |
| Loan loss allowance to noncurrent loans | 59.0226% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 1.2613% | 3,460 |
| Noncurrent loans to loans | 3.0860% | 1,619 |
| Net loans and leases to total assets | 39.5335% | 6,032 |
| Net loans and leases to deposits | 43.4838% | 6,236 |
| Net loans and leases to core deposits | 45.0110% | 6,263 |
| Total domestic deposits to total assets | 90.9155% | 560 |
| Equity capital to assets | 8.7451% | 5,766 |
| Core capital (leverage) ratio | 8.2628% | 5,862 |
| Tier 1 risk-based capital ratio | 20.1736% | 1,725 |
| Total risk-based capital ratio | 21.4318% | 1,699 |
| Memoranda: | ||
| Average total assets | $58,263,000 | 5,958 |
| Average earning assets | $53,568,500 | 5,915 |
| Average equity | $5,634,000 | 6,068 |
| Average total loans | $26,505,000 | 6,046 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7280% | 2,482 |
| Cost of funding earning assets | 0.7936% | 2,717 |
| Net interest margin | 3.9344% | 2,673 |
| Noninterest income to average assets | 0.2251% | 5,830 |
| Noninterest expense to average assets | 2.2224% | 5,875 |
| Loan and lease loss provision to assets | 0.0496% | 5,198 |
| Net operating income to assets | 1.5119% | 893 |
| Return on assets (ROA) | 1.5119% | 989 |
| Pretax return on assets | 1.5780% | 1,443 |
| Return on Equity (ROE) | 13.5130% | 1,104 |
| Retained earnings to average equity (ytd only) | 7.7903% | 1,198 |
| Net charge-offs to loans | 0.0298% | 5,489 |
| Credit loss provision to net charge-offs | 300.0000% | 807 |
| Earnings coverage of net charge-offs (x) | 98.5000% | 387 |
| Efficiency ratio | 57.7253% | 5,874 |
| Assets per employee ($millions) | 5.2307% | 1,961 |
| Cash dividends to net income (ytd only)* | 42.3497% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7237% | 2,842 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 6,604 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 51.0123% | 5,032 |
| Net loans and leases to deposits | 57.4446% | 5,302 |
| Net loans and leases to core deposits | 59.7283% | 5,389 |
| Total domestic deposits to total assets | 88.8026% | 1,700 |
| Equity capital to assets | 10.8054% | 3,170 |
| Core capital (leverage) ratio | 10.1431% | 3,215 |
| Tier 1 risk-based capital ratio | 18.8503% | 1,998 |
| Total risk-based capital ratio | 20.1065% | 1,967 |
| Memoranda: | ||
| Average total assets | $48,417,200 | 6,256 |
| Average earning assets | $44,606,800 | 6,221 |
| Average equity | $5,417,000 | 6,176 |
| Average total loans | $26,859,000 | 6,086 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7967% | 2,403 |
| Cost of funding earning assets | 0.7863% | 3,063 |
| Net interest margin | 4.0104% | 2,460 |
| Noninterest income to average assets | 0.2164% | 5,991 |
| Noninterest expense to average assets | 2.1976% | 5,959 |
| Loan and lease loss provision to assets | 0.0506% | 5,126 |
| Net operating income to assets | 1.6074% | 824 |
| Return on assets (ROA) | 1.6074% | 924 |
| Pretax return on assets | 1.6805% | 1,326 |
| Return on Equity (ROE) | 14.2332% | 1,061 |
| Retained earnings to average equity (ytd only) | 7.6391% | 1,780 |
| Net charge-offs to loans | 0.0398% | 5,091 |
| Credit loss provision to net charge-offs | 225.0000% | 1,227 |
| Earnings coverage of net charge-offs (x) | 76.9738% | 530 |
| Efficiency ratio | 55.9371% | 6,061 |
| Assets per employee ($millions) | 5.0212% | 2,162 |
| Cash dividends to net income (ytd only)* | 46.3279% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6927% | 3,177 |
| Loan loss allowance to noncurrent loans | 46,300.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 6,701 |
| Noncurrent loans to loans | 0.0037% | 6,681 |
| Net loans and leases to total assets | 53.5509% | 4,813 |
| Net loans and leases to deposits | 60.6086% | 5,136 |
| Net loans and leases to core deposits | 63.3278% | 5,225 |
| Total domestic deposits to total assets | 88.3554% | 1,805 |
| Equity capital to assets | 11.1647% | 3,078 |
| Core capital (leverage) ratio | 10.5365% | 2,875 |
| Tier 1 risk-based capital ratio | 18.1702% | 2,274 |
| Total risk-based capital ratio | 19.4260% | 2,249 |
| Memoranda: | ||
| Average total assets | $47,444,750 | 6,355 |
| Average earning assets | $43,918,000 | 6,313 |
| Average equity | $5,358,250 | 6,257 |
| Average total loans | $26,786,000 | 6,175 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8509% | 2,300 |
| Cost of funding earning assets | 0.8046% | 3,151 |
| Net interest margin | 4.0462% | 2,312 |
| Noninterest income to average assets | 0.2150% | 6,028 |
| Noninterest expense to average assets | 2.3086% | 5,708 |
| Loan and lease loss provision to assets | 0.0516% | 5,022 |
| Net operating income to assets | 1.5476% | 914 |
| Return on assets (ROA) | 1.5476% | 1,024 |
| Pretax return on assets | 1.6164% | 1,499 |
| Return on Equity (ROE) | 13.6476% | 1,200 |
| Retained earnings to average equity (ytd only) | 5.3074% | 3,090 |
| Net charge-offs to loans | 0.0677% | 4,480 |
| Credit loss provision to net charge-offs | 133.3333% | 2,058 |
| Earnings coverage of net charge-offs (x) | 43.1111% | 826 |
| Efficiency ratio | 58.0541% | 5,866 |
| Assets per employee ($millions) | 4.7260% | 2,534 |
| Cash dividends to net income (ytd only)* | 61.1111% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6955% | 3,244 |
| Loan loss allowance to noncurrent loans | 3,040.0000% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 6,675 |
| Noncurrent loans to loans | 0.0558% | 6,539 |
| Net loans and leases to total assets | 55.9437% | 4,479 |
| Net loans and leases to deposits | 63.5904% | 4,819 |
| Net loans and leases to core deposits | 66.2233% | 4,976 |
| Total domestic deposits to total assets | 87.9750% | 2,159 |
| Equity capital to assets | 11.4050% | 2,683 |
| Core capital (leverage) ratio | 10.3378% | 3,001 |
| Tier 1 risk-based capital ratio | 20.4947% | 1,576 |
| Total risk-based capital ratio | 21.7521% | 1,556 |
| Memoranda: | ||
| Average total assets | $46,522,330 | 6,423 |
| Average earning assets | $43,250,000 | 6,372 |
| Average equity | $5,275,670 | 6,310 |
| Average total loans | $26,597,330 | 6,228 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8486% | 2,449 |
| Cost of funding earning assets | 0.8205% | 3,310 |
| Net interest margin | 4.0281% | 2,380 |
| Noninterest income to average assets | 0.2253% | 6,007 |
| Noninterest expense to average assets | 2.3574% | 5,605 |
| Loan and lease loss provision to assets | 0.0520% | 4,762 |
| Net operating income to assets | 1.5427% | 953 |
| Return on assets (ROA) | 1.5427% | 1,070 |
| Pretax return on assets | 1.5600% | 1,707 |
| Return on Equity (ROE) | 13.6438% | 1,271 |
| Retained earnings to average equity (ytd only) | 0.2300% | 5,907 |
| Net charge-offs to loans | 0.1361% | 3,289 |
| Credit loss provision to net charge-offs | 66.6667% | 2,983 |
| Earnings coverage of net charge-offs (x) | 20.6667% | 1,182 |
| Efficiency ratio | 59.3886% | 5,712 |
| Assets per employee ($millions) | 4.8933% | 2,400 |
| Cash dividends to net income (ytd only)* | 98.3146% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7908% | 3,027 |
| Loan loss allowance to noncurrent loans | 45,000.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 6,839 |
| Noncurrent loans to loans | 0.0040% | 6,797 |
| Net loans and leases to total assets | 50.4322% | 5,249 |
| Net loans and leases to deposits | 56.7128% | 5,522 |
| Net loans and leases to core deposits | 59.4393% | 5,581 |
| Total domestic deposits to total assets | 88.9257% | 1,744 |
| Equity capital to assets | 10.6288% | 3,348 |
| Core capital (leverage) ratio | 9.8987% | 3,496 |
| Tier 1 risk-based capital ratio | 18.6203% | 2,104 |
| Total risk-based capital ratio | 19.8763% | 2,068 |
| Memoranda: | ||
| Average total assets | $46,153,500 | 6,481 |
| Average earning assets | $42,899,000 | 6,431 |
| Average equity | $5,218,500 | 6,359 |
| Average total loans | $26,448,500 | 6,282 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6564% | 856 |
| Cost of funding earning assets | 1.0704% | 2,878 |
| Net interest margin | 4.5860% | 949 |
| Noninterest income to average assets | 0.3182% | 5,263 |
| Noninterest expense to average assets | 2.4639% | 5,586 |
| Loan and lease loss provision to assets | 0.0562% | 5,894 |
| Net operating income to assets | 1.7432% | 510 |
| Return on assets (ROA) | 1.7432% | 546 |
| Pretax return on assets | 1.8181% | 779 |
| Return on Equity (ROE) | 15.2159% | 710 |
| Retained earnings to average equity (ytd only) | 10.4162% | 488 |
| Net charge-offs to loans | 0.0274% | 6,046 |
| Credit loss provision to net charge-offs | 342.8571% | 671 |
| Earnings coverage of net charge-offs (x) | 114.4286% | 282 |
| Efficiency ratio | 56.7961% | 6,214 |
| Assets per employee ($millions) | 4.8193% | 2,425 |
| Cash dividends to net income (ytd only)* | 31.5436% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6313% | 3,461 |
| Loan loss allowance to noncurrent loans | 2,516.6667% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 6,784 |
| Noncurrent loans to loans | 0.0648% | 6,653 |
| Net loans and leases to total assets | 62.9778% | 3,410 |
| Net loans and leases to deposits | 72.0454% | 3,784 |
| Net loans and leases to core deposits | 75.4065% | 4,054 |
| Total domestic deposits to total assets | 87.4141% | 2,519 |
| Equity capital to assets | 12.0717% | 2,067 |
| Core capital (leverage) ratio | 11.0438% | 2,242 |
| Tier 1 risk-based capital ratio | 17.0009% | 2,605 |
| Total risk-based capital ratio | 18.2544% | 2,556 |
| Memoranda: | ||
| Average total assets | $42,736,800 | 6,580 |
| Average earning assets | $37,461,800 | 6,624 |
| Average equity | $4,896,200 | 6,480 |
| Average total loans | $25,551,600 | 6,389 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6588% | 917 |
| Cost of funding earning assets | 1.1260% | 2,789 |
| Net interest margin | 4.5328% | 1,081 |
| Noninterest income to average assets | 0.3351% | 5,178 |
| Noninterest expense to average assets | 2.5271% | 5,367 |
| Loan and lease loss provision to assets | 0.0564% | 5,735 |
| Net operating income to assets | 1.6033% | 770 |
| Return on assets (ROA) | 1.6033% | 839 |
| Pretax return on assets | 1.6722% | 1,199 |
| Return on Equity (ROE) | 14.1886% | 1,001 |
| Retained earnings to average equity (ytd only) | 8.9233% | 1,170 |
| Net charge-offs to loans | 0.0053% | 6,108 |
| Credit loss provision to net charge-offs | 1,800.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 553.3684% | 69 |
| Efficiency ratio | 59.3819% | 5,809 |
| Assets per employee ($millions) | 4.7768% | 2,511 |
| Cash dividends to net income (ytd only)* | 37.1098% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6959% | 3,288 |
| Loan loss allowance to noncurrent loans | 71.4060% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 1.5003% | 3,866 |
| Noncurrent loans to loans | 2.3750% | 2,919 |
| Net loans and leases to total assets | 60.9453% | 3,952 |
| Net loans and leases to deposits | 69.6261% | 4,355 |
| Net loans and leases to core deposits | 72.8919% | 4,593 |
| Total domestic deposits to total assets | 87.5323% | 2,338 |
| Equity capital to assets | 11.8560% | 2,371 |
| Core capital (leverage) ratio | 10.5154% | 2,849 |
| Tier 1 risk-based capital ratio | 16.8500% | 2,692 |
| Total risk-based capital ratio | 18.1033% | 2,670 |
| Memoranda: | ||
| Average total assets | $42,577,500 | 6,642 |
| Average earning assets | $36,826,500 | 6,708 |
| Average equity | $4,811,250 | 6,557 |
| Average total loans | $24,997,250 | 6,481 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6764% | 912 |
| Cost of funding earning assets | 1.1965% | 2,601 |
| Net interest margin | 4.4799% | 1,182 |
| Noninterest income to average assets | 0.3252% | 5,290 |
| Noninterest expense to average assets | 2.5825% | 5,251 |
| Loan and lease loss provision to assets | 0.0566% | 5,612 |
| Net operating income to assets | 1.4185% | 1,046 |
| Return on assets (ROA) | 1.4185% | 1,109 |
| Pretax return on assets | 1.4797% | 1,586 |
| Return on Equity (ROE) | 12.7651% | 1,254 |
| Retained earnings to average equity (ytd only) | 6.6158% | 2,074 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7002% | 5,456 |
| Assets per employee ($millions) | 4.8443% | 2,350 |
| Cash dividends to net income (ytd only)* | 48.1728% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7996% | 2,993 |
| Loan loss allowance to noncurrent loans | 120.7547% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 1.1032% | 4,683 |
| Noncurrent loans to loans | 1.4903% | 4,189 |
| Net loans and leases to total assets | 56.0701% | 4,981 |
| Net loans and leases to deposits | 63.5060% | 5,339 |
| Net loans and leases to core deposits | 66.9808% | 5,391 |
| Total domestic deposits to total assets | 88.2910% | 1,966 |
| Equity capital to assets | 11.1493% | 2,811 |
| Core capital (leverage) ratio | 10.2860% | 2,946 |
| Tier 1 risk-based capital ratio | 17.3947% | 2,378 |
| Total risk-based capital ratio | 18.6505% | 2,346 |
| Memoranda: | ||
| Average total assets | $42,439,670 | 6,704 |
| Average earning assets | $35,938,000 | 6,801 |
| Average equity | $4,716,000 | 6,621 |
| Average total loans | $24,445,330 | 6,564 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0736% | 421 |
| Cost of funding earning assets | 1.2762% | 2,331 |
| Net interest margin | 4.7974% | 574 |
| Noninterest income to average assets | 0.2676% | 5,757 |
| Noninterest expense to average assets | 2.4940% | 5,572 |
| Loan and lease loss provision to assets | 0.0573% | 5,282 |
| Net operating income to assets | 1.5289% | 824 |
| Return on assets (ROA) | 1.5289% | 866 |
| Pretax return on assets | 1.5958% | 1,201 |
| Return on Equity (ROE) | 13.7827% | 1,030 |
| Retained earnings to average equity (ytd only) | 9.9063% | 1,139 |
| Net charge-offs to loans | -0.0165% | 6,508 |
| Credit loss provision to net charge-offs | -600.0000% | 5,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1382% | 5,962 |
| Assets per employee ($millions) | 4.6944% | 2,590 |
| Cash dividends to net income (ytd only)* | 28.1250% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9154% | 2,640 |
| Loan loss allowance to noncurrent loans | 120.3804% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 1.4509% | 4,093 |
| Noncurrent loans to loans | 1.5911% | 4,095 |
| Net loans and leases to total assets | 53.6923% | 5,352 |
| Net loans and leases to deposits | 60.7656% | 5,647 |
| Net loans and leases to core deposits | 64.7366% | 5,647 |
| Total domestic deposits to total assets | 88.3598% | 2,164 |
| Equity capital to assets | 11.1243% | 2,565 |
| Core capital (leverage) ratio | 10.3993% | 2,703 |
| Tier 1 risk-based capital ratio | 18.6592% | 1,906 |
| Total risk-based capital ratio | 19.9173% | 1,856 |
| Memoranda: | ||
| Average total assets | $41,860,000 | 6,767 |
| Average earning assets | $33,851,500 | 6,928 |
| Average equity | $4,643,500 | 6,669 |
| Average total loans | $24,221,000 | 6,633 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3357% | 432 |
| Cost of funding earning assets | 1.4459% | 2,984 |
| Net interest margin | 4.8897% | 560 |
| Noninterest income to average assets | 0.3354% | 5,386 |
| Noninterest expense to average assets | 2.7362% | 4,827 |
| Loan and lease loss provision to assets | 0.1448% | 5,735 |
| Net operating income to assets | 1.7022% | 513 |
| Return on assets (ROA) | 1.7022% | 558 |
| Pretax return on assets | 1.7759% | 805 |
| Return on Equity (ROE) | 15.0562% | 709 |
| Retained earnings to average equity (ytd only) | 9.2135% | 660 |
| Net charge-offs to loans | 0.4086% | 4,004 |
| Credit loss provision to net charge-offs | 55.8824% | 6,162 |
| Earnings coverage of net charge-offs (x) | 7.4118% | 2,137 |
| Efficiency ratio | 58.7561% | 6,239 |
| Assets per employee ($millions) | 4.6078% | 2,694 |
| Cash dividends to net income (ytd only)* | 38.8060% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7224% | 3,129 |
| Loan loss allowance to noncurrent loans | 118.4783% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 1.4782% | 4,102 |
| Noncurrent loans to loans | 1.4537% | 4,304 |
| Net loans and leases to total assets | 59.9904% | 4,683 |
| Net loans and leases to deposits | 67.8355% | 5,120 |
| Net loans and leases to core deposits | 73.1792% | 5,078 |
| Total domestic deposits to total assets | 88.4350% | 1,995 |
| Equity capital to assets | 11.0610% | 2,633 |
| Core capital (leverage) ratio | 10.5547% | 2,503 |
| Tier 1 risk-based capital ratio | 16.9422% | 2,364 |
| Total risk-based capital ratio | 18.1979% | 2,332 |
| Memoranda: | ||
| Average total assets | $39,361,400 | 6,883 |
| Average earning assets | $34,787,200 | 6,920 |
| Average equity | $4,450,000 | 6,835 |
| Average total loans | $24,965,600 | 6,672 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3651% | 443 |
| Cost of funding earning assets | 1.4642% | 3,193 |
| Net interest margin | 4.9009% | 552 |
| Noninterest income to average assets | 0.3365% | 5,477 |
| Noninterest expense to average assets | 2.5956% | 5,345 |
| Loan and lease loss provision to assets | 0.1785% | 5,256 |
| Net operating income to assets | 1.8815% | 422 |
| Return on assets (ROA) | 1.8815% | 467 |
| Pretax return on assets | 1.9639% | 674 |
| Return on Equity (ROE) | 16.5465% | 646 |
| Retained earnings to average equity (ytd only) | 8.6959% | 1,163 |
| Net charge-offs to loans | 0.5573% | 3,081 |
| Credit loss provision to net charge-offs | 50.0000% | 5,877 |
| Earnings coverage of net charge-offs (x) | 6.0001% | 2,620 |
| Efficiency ratio | 54.7826% | 6,714 |
| Assets per employee ($millions) | 4.4067% | 3,067 |
| Cash dividends to net income (ytd only)* | 47.4454% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7632% | 2,925 |
| Loan loss allowance to noncurrent loans | 72.8353% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 2.1029% | 3,331 |
| Noncurrent loans to loans | 2.4208% | 3,211 |
| Net loans and leases to total assets | 60.2673% | 4,854 |
| Net loans and leases to deposits | 68.6879% | 5,325 |
| Net loans and leases to core deposits | 75.8000% | 5,081 |
| Total domestic deposits to total assets | 87.7408% | 2,137 |
| Equity capital to assets | 11.5935% | 2,459 |
| Core capital (leverage) ratio | 10.7092% | 2,506 |
| Tier 1 risk-based capital ratio | 17.0214% | 2,332 |
| Total risk-based capital ratio | 18.2787% | 2,294 |
| Memoranda: | ||
| Average total assets | $38,834,250 | 6,987 |
| Average earning assets | $34,876,750 | 7,001 |
| Average equity | $4,415,750 | 6,937 |
| Average total loans | $24,878,500 | 6,765 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3636% | 442 |
| Cost of funding earning assets | 1.4866% | 3,328 |
| Net interest margin | 4.8771% | 565 |
| Noninterest income to average assets | 0.3631% | 5,239 |
| Noninterest expense to average assets | 2.6453% | 5,151 |
| Loan and lease loss provision to assets | 0.0311% | 6,633 |
| Net operating income to assets | 2.0229% | 320 |
| Return on assets (ROA) | 2.0229% | 349 |
| Pretax return on assets | 2.1111% | 480 |
| Return on Equity (ROE) | 17.9104% | 467 |
| Retained earnings to average equity (ytd only) | 8.9552% | 1,120 |
| Net charge-offs to loans | 0.2394% | 4,166 |
| Credit loss provision to net charge-offs | 20.0000% | 5,850 |
| Earnings coverage of net charge-offs (x) | 13.7667% | 1,569 |
| Efficiency ratio | 55.2546% | 6,731 |
| Assets per employee ($millions) | 4.2769% | 3,260 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8238% | 2,657 |
| Loan loss allowance to noncurrent loans | 57.7947% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 2.3356% | 3,094 |
| Noncurrent loans to loans | 3.1556% | 2,537 |
| Net loans and leases to total assets | 63.7717% | 4,305 |
| Net loans and leases to deposits | 72.8182% | 4,871 |
| Net loans and leases to core deposits | 80.6009% | 4,612 |
| Total domestic deposits to total assets | 87.5766% | 2,219 |
| Equity capital to assets | 11.6024% | 2,354 |
| Core capital (leverage) ratio | 10.6700% | 2,482 |
| Tier 1 risk-based capital ratio | 16.2959% | 2,553 |
| Total risk-based capital ratio | 17.5516% | 2,504 |
| Memoranda: | ||
| Average total assets | $38,559,000 | 7,044 |
| Average earning assets | $34,980,000 | 7,043 |
| Average equity | $4,355,000 | 6,990 |
| Average total loans | $25,061,000 | 6,802 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3724% | 466 |
| Cost of funding earning assets | 1.4873% | 3,638 |
| Net interest margin | 4.8851% | 537 |
| Noninterest income to average assets | 0.3213% | 5,579 |
| Noninterest expense to average assets | 2.6119% | 5,306 |
| Loan and lease loss provision to assets | 0.0311% | 6,366 |
| Net operating income to assets | 2.0211% | 332 |
| Return on assets (ROA) | 2.0211% | 363 |
| Pretax return on assets | 2.1040% | 505 |
| Return on Equity (ROE) | 18.1416% | 503 |
| Retained earnings to average equity (ytd only) | 13.9551% | 514 |
| Net charge-offs to loans | -0.0159% | 7,017 |
| Credit loss provision to net charge-offs | -300.0000% | 6,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0218% | 6,890 |
| Assets per employee ($millions) | 4.2588% | 3,364 |
| Cash dividends to net income (ytd only)* | 23.0769% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0094% | 2,160 |
| Loan loss allowance to noncurrent loans | 242.0000% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.5218% | 6,193 |
| Noncurrent loans to loans | 0.8303% | 5,654 |
| Net loans and leases to total assets | 61.5800% | 4,841 |
| Net loans and leases to deposits | 69.9576% | 5,347 |
| Net loans and leases to core deposits | 77.4047% | 5,097 |
| Total domestic deposits to total assets | 88.0247% | 2,044 |
| Equity capital to assets | 11.3674% | 2,450 |
| Core capital (leverage) ratio | 10.6907% | 2,457 |
| Tier 1 risk-based capital ratio | 16.5047% | 2,447 |
| Total risk-based capital ratio | 17.7621% | 2,395 |
| Memoranda: | ||
| Average total assets | $38,592,500 | 7,136 |
| Average earning assets | $34,963,500 | 7,128 |
| Average equity | $4,299,500 | 7,071 |
| Average total loans | $25,090,000 | 6,880 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4845% | 693 |
| Cost of funding earning assets | 1.9322% | 3,285 |
| Net interest margin | 4.5523% | 1,070 |
| Noninterest income to average assets | 0.3385% | 5,670 |
| Noninterest expense to average assets | 2.6786% | 5,487 |
| Loan and lease loss provision to assets | 0.1626% | 6,061 |
| Net operating income to assets | 1.6258% | 514 |
| Return on assets (ROA) | 1.6258% | 546 |
| Pretax return on assets | 1.6418% | 878 |
| Return on Equity (ROE) | 15.1976% | 647 |
| Retained earnings to average equity (ytd only) | 10.5885% | 316 |
| Net charge-offs to loans | 0.0084% | 7,116 |
| Credit loss provision to net charge-offs | 3,050.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 338.5000% | 85 |
| Efficiency ratio | 59.7503% | 6,525 |
| Assets per employee ($millions) | 4.3173% | 3,247 |
| Cash dividends to net income (ytd only)* | 30.3279% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8434% | 2,421 |
| Loan loss allowance to noncurrent loans | 75.0390% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.6497% | 3,902 |
| Noncurrent loans to loans | 2.4566% | 3,090 |
| Net loans and leases to total assets | 65.9152% | 4,171 |
| Net loans and leases to deposits | 77.7275% | 4,435 |
| Net loans and leases to core deposits | 101.2492% | 3,876 |
| Total domestic deposits to total assets | 84.8029% | 3,649 |
| Equity capital to assets | 10.9172% | 2,764 |
| Core capital (leverage) ratio | 10.3372% | 2,752 |
| Tier 1 risk-based capital ratio | 14.8521% | 3,027 |
| Total risk-based capital ratio | 16.1101% | 2,970 |
| Memoranda: | ||
| Average total assets | $37,519,200 | 7,186 |
| Average earning assets | $34,158,200 | 7,177 |
| Average equity | $4,013,800 | 7,287 |
| Average total loans | $23,818,200 | 6,989 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5060% | 734 |
| Cost of funding earning assets | 2.0061% | 3,331 |
| Net interest margin | 4.4999% | 1,192 |
| Noninterest income to average assets | 0.3299% | 5,849 |
| Noninterest expense to average assets | 2.7035% | 5,310 |
| Loan and lease loss provision to assets | 0.0968% | 6,399 |
| Net operating income to assets | 1.6063% | 658 |
| Return on assets (ROA) | 1.6063% | 708 |
| Pretax return on assets | 1.6314% | 1,109 |
| Return on Equity (ROE) | 15.0962% | 759 |
| Retained earnings to average equity (ytd only) | 8.8623% | 878 |
| Net charge-offs to loans | 0.0172% | 6,677 |
| Credit loss provision to net charge-offs | 900.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 160.6625% | 237 |
| Efficiency ratio | 61.0032% | 6,276 |
| Assets per employee ($millions) | 4.1013% | 3,560 |
| Cash dividends to net income (ytd only)* | 41.2944% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8466% | 2,162 |
| Loan loss allowance to noncurrent loans | 314.0845% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.3847% | 6,499 |
| Noncurrent loans to loans | 0.5879% | 6,135 |
| Net loans and leases to total assets | 64.2230% | 4,818 |
| Net loans and leases to deposits | 73.0089% | 5,509 |
| Net loans and leases to core deposits | 96.5189% | 4,751 |
| Total domestic deposits to total assets | 87.9660% | 1,671 |
| Equity capital to assets | 11.1644% | 2,862 |
| Core capital (leverage) ratio | 9.9635% | 3,324 |
| Tier 1 risk-based capital ratio | 15.3325% | 2,903 |
| Total risk-based capital ratio | 16.5880% | 2,839 |
| Memoranda: | ||
| Average total assets | $37,185,000 | 7,265 |
| Average earning assets | $33,896,000 | 7,252 |
| Average equity | $3,956,750 | 7,377 |
| Average total loans | $23,249,500 | 7,077 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4903% | 843 |
| Cost of funding earning assets | 2.0707% | 3,416 |
| Net interest margin | 4.4196% | 1,366 |
| Noninterest income to average assets | 0.3487% | 5,712 |
| Noninterest expense to average assets | 2.6827% | 5,446 |
| Loan and lease loss provision to assets | 0.0966% | 6,202 |
| Net operating income to assets | 1.5667% | 733 |
| Return on assets (ROA) | 1.5667% | 789 |
| Pretax return on assets | 1.5774% | 1,264 |
| Return on Equity (ROE) | 14.9667% | 832 |
| Retained earnings to average equity (ytd only) | 7.7909% | 1,279 |
| Net charge-offs to loans | 0.0261% | 6,111 |
| Credit loss provision to net charge-offs | 600.0000% | 765 |
| Earnings coverage of net charge-offs (x) | 104.0000% | 369 |
| Efficiency ratio | 61.5764% | 6,304 |
| Assets per employee ($millions) | 4.2469% | 3,209 |
| Cash dividends to net income (ytd only)* | 47.9452% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8600% | 1,885 |
| Loan loss allowance to noncurrent loans | 323.7037% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.3532% | 6,572 |
| Noncurrent loans to loans | 0.5746% | 6,113 |
| Net loans and leases to total assets | 60.3265% | 5,624 |
| Net loans and leases to deposits | 67.8875% | 6,207 |
| Net loans and leases to core deposits | 86.6679% | 5,838 |
| Total domestic deposits to total assets | 88.8624% | 1,341 |
| Equity capital to assets | 10.2768% | 3,634 |
| Core capital (leverage) ratio | 9.3657% | 4,077 |
| Tier 1 risk-based capital ratio | 15.1698% | 2,951 |
| Total risk-based capital ratio | 16.4283% | 2,884 |
| Memoranda: | ||
| Average total assets | $37,276,000 | 7,326 |
| Average earning assets | $33,804,330 | 7,326 |
| Average equity | $3,902,000 | 7,450 |
| Average total loans | $22,948,670 | 7,151 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6654% | 621 |
| Cost of funding earning assets | 2.1219% | 3,551 |
| Net interest margin | 4.5435% | 1,047 |
| Noninterest income to average assets | 0.3369% | 5,761 |
| Noninterest expense to average assets | 2.5867% | 5,513 |
| Loan and lease loss provision to assets | 0.0978% | 5,704 |
| Net operating income to assets | 1.7499% | 583 |
| Return on assets (ROA) | 1.7499% | 637 |
| Pretax return on assets | 1.7716% | 1,035 |
| Return on Equity (ROE) | 16.5595% | 745 |
| Retained earnings to average equity (ytd only) | 16.5595% | 300 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0488% | 6,696 |
| Assets per employee ($millions) | 4.2998% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9086% | 1,603 |
| Loan loss allowance to noncurrent loans | 133.0247% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.8373% | 5,093 |
| Noncurrent loans to loans | 1.4348% | 4,151 |
| Net loans and leases to total assets | 57.2407% | 6,063 |
| Net loans and leases to deposits | 64.2990% | 6,533 |
| Net loans and leases to core deposits | 82.2968% | 6,214 |
| Total domestic deposits to total assets | 89.0227% | 1,220 |
| Equity capital to assets | 10.2253% | 3,741 |
| Core capital (leverage) ratio | 9.6342% | 3,840 |
| Tier 1 risk-based capital ratio | 15.9402% | 2,705 |
| Total risk-based capital ratio | 17.1987% | 2,646 |
| Memoranda: | ||
| Average total assets | $36,803,000 | 7,388 |
| Average earning assets | $33,366,500 | 7,387 |
| Average equity | $3,889,000 | 7,491 |
| Average total loans | $22,675,500 | 7,201 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2098% | 723 |
| Cost of funding earning assets | 2.6407% | 3,482 |
| Net interest margin | 4.5691% | 1,257 |
| Noninterest income to average assets | 0.3452% | 5,978 |
| Noninterest expense to average assets | 2.7792% | 4,912 |
| Loan and lease loss provision to assets | 0.3331% | 3,726 |
| Net operating income to assets | 1.2516% | 1,629 |
| Return on assets (ROA) | 1.2516% | 1,571 |
| Pretax return on assets | 1.3146% | 2,265 |
| Return on Equity (ROE) | 12.0604% | 1,572 |
| Retained earnings to average equity (ytd only) | 9.1682% | 579 |
| Net charge-offs to loans | 0.5378% | 2,216 |
| Credit loss provision to net charge-offs | 97.3684% | 5,465 |
| Earnings coverage of net charge-offs (x) | 4.8158% | 3,845 |
| Efficiency ratio | 62.7797% | 5,819 |
| Assets per employee ($millions) | 3.8787% | 3,787 |
| Cash dividends to net income (ytd only)* | 23.9808% | 4,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8534% | 1,523 |
| Loan loss allowance to noncurrent loans | 293.0556% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.4125% | 5,985 |
| Noncurrent loans to loans | 0.6324% | 5,479 |
| Net loans and leases to total assets | 64.0168% | 5,271 |
| Net loans and leases to deposits | 76.5728% | 5,520 |
| Net loans and leases to core deposits | 96.2154% | 5,239 |
| Total domestic deposits to total assets | 83.6026% | 3,530 |
| Equity capital to assets | 10.9459% | 3,085 |
| Core capital (leverage) ratio | 10.3124% | 3,165 |
| Tier 1 risk-based capital ratio | 15.7278% | 2,767 |
| Total risk-based capital ratio | 16.9857% | 2,702 |
| Memoranda: | ||
| Average total assets | $33,318,400 | 7,489 |
| Average earning assets | $29,765,200 | 7,525 |
| Average equity | $3,457,600 | 7,699 |
| Average total loans | $21,199,000 | 7,249 |