Home > Sweet Water State Bank > Performance and Condition Ratios
Sweet Water State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7816% | 265 |
| Cost of funding earning assets | 0.8543% | 3,606 |
| Net interest margin | 5.9273% | 118 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 3.4520% | 615 |
| Loan and lease loss provision to assets | 0.4600% | 207 |
| Net operating income to assets | 1.7214% | 704 |
| Return on assets (ROA) | 1.7214% | 673 |
| Pretax return on assets | 1.7214% | 1,018 |
| Return on Equity (ROE) | 20.1300% | 606 |
| Retained earnings to average equity (ytd only) | 13.6511% | 435 |
| Net charge-offs to loans | 0.9308% | 112 |
| Credit loss provision to net charge-offs | 91.3706% | 1,942 |
| Earnings coverage of net charge-offs (x) | 4.3672% | 2,592 |
| Efficiency ratio | 61.3275% | 2,935 |
| Assets per employee ($millions) | 4.2186% | 4,076 |
| Cash dividends to net income (ytd only)* | 32.1901% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 2,062 |
| Loan loss allowance to noncurrent loans | 82.9151% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 1.0839% | 431 |
| Noncurrent loans to loans | 1.4978% | 462 |
| Net loans and leases to total assets | 55.8400% | 3,208 |
| Net loans and leases to deposits | 62.9843% | 3,348 |
| Net loans and leases to core deposits | 69.4423% | 3,340 |
| Total domestic deposits to total assets | 88.6500% | 1,168 |
| Equity capital to assets | 9.3511% | 2,453 |
| Core capital (leverage) ratio | 11.7181% | 1,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $118,569,600 | 3,664 |
| Average earning assets | $105,815,000 | 3,688 |
| Average equity | $10,138,400 | 3,706 |
| Average total loans | $63,495,600 | 3,655 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5790% | 289 |
| Cost of funding earning assets | 0.7443% | 3,662 |
| Net interest margin | 5.8347% | 121 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 3.4980% | 559 |
| Loan and lease loss provision to assets | 0.3300% | 272 |
| Net operating income to assets | 1.8465% | 602 |
| Return on assets (ROA) | 1.8465% | 592 |
| Pretax return on assets | 1.8465% | 930 |
| Return on Equity (ROE) | 22.1300% | 550 |
| Retained earnings to average equity (ytd only) | 14.7692% | 584 |
| Net charge-offs to loans | 0.8591% | 107 |
| Credit loss provision to net charge-offs | 72.5000% | 1,792 |
| Earnings coverage of net charge-offs (x) | 4.7975% | 2,373 |
| Efficiency ratio | 61.6583% | 2,759 |
| Assets per employee ($millions) | 4.4563% | 3,967 |
| Cash dividends to net income (ytd only)* | 33.2719% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 2,190 |
| Loan loss allowance to noncurrent loans | 60.2110% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.4172% | 274 |
| Noncurrent loans to loans | 2.0513% | 287 |
| Net loans and leases to total assets | 55.1400% | 3,275 |
| Net loans and leases to deposits | 61.7710% | 3,416 |
| Net loans and leases to core deposits | 69.4566% | 3,232 |
| Total domestic deposits to total assets | 89.2700% | 1,163 |
| Equity capital to assets | 8.5152% | 2,721 |
| Core capital (leverage) ratio | 11.4759% | 1,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $117,627,500 | 3,681 |
| Average earning assets | $104,795,250 | 3,711 |
| Average equity | $9,813,000 | 3,740 |
| Average total loans | $62,077,500 | 3,684 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2778% | 322 |
| Cost of funding earning assets | 0.6156% | 3,710 |
| Net interest margin | 5.6622% | 140 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 3.3380% | 658 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 1.9151% | 546 |
| Return on assets (ROA) | 1.9151% | 541 |
| Pretax return on assets | 1.9151% | 840 |
| Return on Equity (ROE) | 23.1100% | 484 |
| Retained earnings to average equity (ytd only) | 12.2711% | 937 |
| Net charge-offs to loans | 0.7810% | 108 |
| Credit loss provision to net charge-offs | 43.9331% | 1,695 |
| Earnings coverage of net charge-offs (x) | 5.1757% | 2,183 |
| Efficiency ratio | 61.4642% | 2,779 |
| Assets per employee ($millions) | 4.2416% | 4,089 |
| Cash dividends to net income (ytd only)* | 46.9081% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 2,306 |
| Loan loss allowance to noncurrent loans | 48.9268% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.6643% | 200 |
| Noncurrent loans to loans | 2.5084% | 181 |
| Net loans and leases to total assets | 54.4600% | 3,238 |
| Net loans and leases to deposits | 61.1712% | 3,355 |
| Net loans and leases to core deposits | 68.0902% | 3,228 |
| Total domestic deposits to total assets | 89.0300% | 1,249 |
| Equity capital to assets | 8.9091% | 2,583 |
| Core capital (leverage) ratio | 11.1191% | 1,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $118,215,667 | 3,693 |
| Average earning assets | $105,260,000 | 3,721 |
| Average equity | $9,795,333 | 3,766 |
| Average total loans | $61,206,667 | 3,706 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0380% | 300 |
| Cost of funding earning assets | 0.4739% | 3,769 |
| Net interest margin | 5.5641% | 138 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 3.2383% | 759 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 2.1556% | 398 |
| Return on assets (ROA) | 2.1556% | 392 |
| Pretax return on assets | 2.1556% | 609 |
| Return on Equity (ROE) | 26.9800% | 324 |
| Retained earnings to average equity (ytd only) | 6.4641% | 2,652 |
| Net charge-offs to loans | 0.2922% | 269 |
| Credit loss provision to net charge-offs | 56.8182% | 1,286 |
| Earnings coverage of net charge-offs (x) | 15.2727% | 1,547 |
| Efficiency ratio | 59.1241% | 3,062 |
| Assets per employee ($millions) | 4.4844% | 4,030 |
| Cash dividends to net income (ytd only)* | 76.0433% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 1,329 |
| Loan loss allowance to noncurrent loans | 48.6900% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.8474% | 144 |
| Noncurrent loans to loans | 3.0471% | 145 |
| Net loans and leases to total assets | 50.8000% | 3,433 |
| Net loans and leases to deposits | 56.7081% | 3,532 |
| Net loans and leases to core deposits | 62.4391% | 3,424 |
| Total domestic deposits to total assets | 89.5800% | 1,306 |
| Equity capital to assets | 8.4541% | 2,928 |
| Core capital (leverage) ratio | 10.5298% | 2,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4679% | 1,075 |
| Memoranda: | ||
| Average total assets | $120,062,000 | 3,722 |
| Average earning assets | $107,187,000 | 3,747 |
| Average equity | $9,591,500 | 3,830 |
| Average total loans | $60,236,500 | 3,756 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6529% | 557 |
| Cost of funding earning assets | 0.2460% | 3,354 |
| Net interest margin | 4.4069% | 346 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 3.2081% | 713 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 0.8905% | 3,003 |
| Return on assets (ROA) | 0.8905% | 2,940 |
| Pretax return on assets | 0.8905% | 3,389 |
| Return on Equity (ROE) | 11.0500% | 2,459 |
| Retained earnings to average equity (ytd only) | 8.2044% | 1,753 |
| Net charge-offs to loans | 0.9251% | 70 |
| Credit loss provision to net charge-offs | 41.2200% | 1,855 |
| Earnings coverage of net charge-offs (x) | 2.3808% | 2,507 |
| Efficiency ratio | 74.8683% | 1,130 |
| Assets per employee ($millions) | 4.5751% | 3,982 |
| Cash dividends to net income (ytd only)* | 25.7277% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 1,174 |
| Loan loss allowance to noncurrent loans | 51.6166% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.7348% | 161 |
| Noncurrent loans to loans | 2.9213% | 147 |
| Net loans and leases to total assets | 48.1200% | 3,663 |
| Net loans and leases to deposits | 53.0923% | 3,732 |
| Net loans and leases to core deposits | 58.6702% | 3,577 |
| Total domestic deposits to total assets | 90.6300% | 1,096 |
| Equity capital to assets | 7.5496% | 3,357 |
| Core capital (leverage) ratio | 10.2701% | 2,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $119,602,000 | 3,735 |
| Average earning assets | $105,289,000 | 3,785 |
| Average equity | $9,641,200 | 3,911 |
| Average total loans | $58,482,400 | 3,759 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4633% | 528 |
| Cost of funding earning assets | 0.2161% | 3,079 |
| Net interest margin | 4.2472% | 378 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 3.0449% | 857 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.1465% | 1,906 |
| Return on assets (ROA) | 1.1465% | 1,879 |
| Pretax return on assets | 1.1465% | 2,568 |
| Return on Equity (ROE) | 13.9900% | 1,432 |
| Retained earnings to average equity (ytd only) | 10.2329% | 1,279 |
| Net charge-offs to loans | 0.6941% | 82 |
| Credit loss provision to net charge-offs | 19.8675% | 1,628 |
| Earnings coverage of net charge-offs (x) | 3.5762% | 2,205 |
| Efficiency ratio | 71.4964% | 1,590 |
| Assets per employee ($millions) | 4.3579% | 4,148 |
| Cash dividends to net income (ytd only)* | 26.8627% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6934% | 888 |
| Loan loss allowance to noncurrent loans | 52.5027% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 2.6321% | 73 |
| Noncurrent loans to loans | 3.2253% | 140 |
| Net loans and leases to total assets | 48.6500% | 3,560 |
| Net loans and leases to deposits | 53.6613% | 3,621 |
| Net loans and leases to core deposits | 59.8668% | 3,395 |
| Total domestic deposits to total assets | 90.6600% | 1,382 |
| Equity capital to assets | 7.3149% | 3,326 |
| Core capital (leverage) ratio | 10.2557% | 2,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $118,620,250 | 3,767 |
| Average earning assets | $104,254,750 | 3,814 |
| Average equity | $9,720,000 | 3,946 |
| Average total loans | $58,015,500 | 3,780 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3982% | 439 |
| Cost of funding earning assets | 0.2112% | 2,763 |
| Net interest margin | 4.1871% | 344 |
| Noninterest income to average assets | 0.5768% | 1,840 |
| Noninterest expense to average assets | 2.9629% | 888 |
| Loan and lease loss provision to assets | 0.1009% | 992 |
| Net operating income to assets | 1.1804% | 1,497 |
| Return on assets (ROA) | 1.1804% | 1,472 |
| Pretax return on assets | 1.1804% | 2,134 |
| Return on Equity (ROE) | 13.9134% | 1,136 |
| Retained earnings to average equity (ytd only) | 8.4828% | 1,445 |
| Net charge-offs to loans | 1.1114% | 56 |
| Credit loss provision to net charge-offs | 18.6335% | 1,608 |
| Earnings coverage of net charge-offs (x) | 2.3665% | 2,033 |
| Efficiency ratio | 69.8098% | 1,989 |
| Assets per employee ($millions) | 4.3699% | 4,166 |
| Cash dividends to net income (ytd only)* | 39.0313% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6798% | 993 |
| Loan loss allowance to noncurrent loans | 60.5643% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 2.3850% | 91 |
| Noncurrent loans to loans | 2.7736% | 187 |
| Net loans and leases to total assets | 47.9218% | 3,561 |
| Net loans and leases to deposits | 53.0209% | 3,604 |
| Net loans and leases to core deposits | 59.3419% | 3,317 |
| Total domestic deposits to total assets | 90.3828% | 1,521 |
| Equity capital to assets | 7.6535% | 3,376 |
| Core capital (leverage) ratio | 9.9298% | 2,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,939,000 | 3,811 |
| Average earning assets | $104,178,000 | 3,867 |
| Average equity | $10,091,000 | 3,973 |
| Average total loans | $57,945,000 | 3,824 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1881% | 531 |
| Cost of funding earning assets | 0.1795% | 3,092 |
| Net interest margin | 4.0086% | 411 |
| Noninterest income to average assets | 0.6967% | 1,325 |
| Noninterest expense to average assets | 2.9008% | 957 |
| Loan and lease loss provision to assets | 0.2010% | 362 |
| Net operating income to assets | 1.1858% | 1,280 |
| Return on assets (ROA) | 1.1858% | 1,279 |
| Pretax return on assets | 1.1858% | 1,854 |
| Return on Equity (ROE) | 13.3315% | 972 |
| Retained earnings to average equity (ytd only) | 13.3315% | 439 |
| Net charge-offs to loans | 2.3864% | 26 |
| Credit loss provision to net charge-offs | 17.2911% | 1,296 |
| Earnings coverage of net charge-offs (x) | 1.1931% | 1,746 |
| Efficiency ratio | 67.6563% | 2,546 |
| Assets per employee ($millions) | 4.2425% | 4,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6133% | 1,238 |
| Loan loss allowance to noncurrent loans | 56.3212% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 2.4312% | 104 |
| Noncurrent loans to loans | 2.8645% | 191 |
| Net loans and leases to total assets | 48.2570% | 3,360 |
| Net loans and leases to deposits | 53.7265% | 3,440 |
| Net loans and leases to core deposits | 59.8053% | 3,163 |
| Total domestic deposits to total assets | 89.8198% | 1,667 |
| Equity capital to assets | 8.3004% | 3,320 |
| Core capital (leverage) ratio | 9.8854% | 2,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,415,500 | 3,824 |
| Average earning assets | $106,971,000 | 3,847 |
| Average equity | $10,621,500 | 3,993 |
| Average total loans | $58,164,000 | 3,824 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8349% | 344 |
| Cost of funding earning assets | 0.3000% | 2,407 |
| Net interest margin | 4.5349% | 251 |
| Noninterest income to average assets | 0.4336% | 2,889 |
| Noninterest expense to average assets | 3.8149% | 344 |
| Loan and lease loss provision to assets | 0.2607% | 341 |
| Net operating income to assets | 0.3650% | 4,322 |
| Return on assets (ROA) | 0.3650% | 4,352 |
| Pretax return on assets | 0.3650% | 4,426 |
| Return on Equity (ROE) | 3.6475% | 4,268 |
| Retained earnings to average equity (ytd only) | 0.7208% | 4,328 |
| Net charge-offs to loans | 0.2219% | 419 |
| Credit loss provision to net charge-offs | 217.3913% | 1,261 |
| Earnings coverage of net charge-offs (x) | 5.2174% | 2,459 |
| Efficiency ratio | 85.9100% | 481 |
| Assets per employee ($millions) | 4.1394% | 4,363 |
| Cash dividends to net income (ytd only)* | 80.2381% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1149% | 506 |
| Loan loss allowance to noncurrent loans | 77.6233% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 2.3742% | 118 |
| Noncurrent loans to loans | 2.7246% | 236 |
| Net loans and leases to total assets | 47.3468% | 3,561 |
| Net loans and leases to deposits | 53.4088% | 3,638 |
| Net loans and leases to core deposits | 59.6171% | 3,336 |
| Total domestic deposits to total assets | 88.6498% | 1,701 |
| Equity capital to assets | 9.4825% | 3,162 |
| Core capital (leverage) ratio | 9.8718% | 2,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,076,200 | 3,852 |
| Average earning assets | $101,677,000 | 3,892 |
| Average equity | $11,514,800 | 3,978 |
| Average total loans | $62,178,000 | 3,782 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9972% | 300 |
| Cost of funding earning assets | 0.3347% | 2,253 |
| Net interest margin | 4.6624% | 234 |
| Noninterest income to average assets | 0.4427% | 2,875 |
| Noninterest expense to average assets | 3.8909% | 311 |
| Loan and lease loss provision to assets | 0.1168% | 1,024 |
| Net operating income to assets | 0.5294% | 4,145 |
| Return on assets (ROA) | 0.5294% | 4,190 |
| Pretax return on assets | 0.5294% | 4,333 |
| Return on Equity (ROE) | 5.2188% | 4,084 |
| Retained earnings to average equity (ytd only) | 1.3278% | 4,344 |
| Net charge-offs to loans | 0.0696% | 952 |
| Credit loss provision to net charge-offs | 303.0303% | 996 |
| Earnings coverage of net charge-offs (x) | 16.7273% | 1,829 |
| Efficiency ratio | 85.7512% | 442 |
| Assets per employee ($millions) | 3.7423% | 4,562 |
| Cash dividends to net income (ytd only)* | 74.5575% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7957% | 938 |
| Loan loss allowance to noncurrent loans | 44.3618% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 3.0954% | 76 |
| Noncurrent loans to loans | 4.0478% | 127 |
| Net loans and leases to total assets | 53.4113% | 3,033 |
| Net loans and leases to deposits | 60.6951% | 3,169 |
| Net loans and leases to core deposits | 67.8905% | 2,786 |
| Total domestic deposits to total assets | 87.9994% | 1,843 |
| Equity capital to assets | 9.8991% | 3,001 |
| Core capital (leverage) ratio | 10.0520% | 2,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,834,750 | 3,906 |
| Average earning assets | $99,973,750 | 3,960 |
| Average equity | $11,547,750 | 4,031 |
| Average total loans | $63,206,500 | 3,825 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2385% | 243 |
| Cost of funding earning assets | 0.3634% | 2,197 |
| Net interest margin | 4.8751% | 200 |
| Noninterest income to average assets | 0.4191% | 3,007 |
| Noninterest expense to average assets | 3.9997% | 293 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7126% | 3,728 |
| Return on assets (ROA) | 0.7126% | 3,796 |
| Pretax return on assets | 0.7126% | 4,041 |
| Return on Equity (ROE) | 6.9669% | 3,666 |
| Retained earnings to average equity (ytd only) | 1.1410% | 4,308 |
| Net charge-offs to loans | -0.0506% | 4,382 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8780% | 514 |
| Assets per employee ($millions) | 3.6748% | 4,610 |
| Cash dividends to net income (ytd only)* | 83.6228% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7351% | 994 |
| Loan loss allowance to noncurrent loans | 84.2802% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 2.0646% | 204 |
| Noncurrent loans to loans | 2.0587% | 463 |
| Net loans and leases to total assets | 53.8405% | 3,153 |
| Net loans and leases to deposits | 61.2458% | 3,278 |
| Net loans and leases to core deposits | 68.8249% | 2,878 |
| Total domestic deposits to total assets | 87.9088% | 1,881 |
| Equity capital to assets | 10.0976% | 2,767 |
| Core capital (leverage) ratio | 10.0796% | 2,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,109,333 | 3,933 |
| Average earning assets | $99,608,667 | 3,978 |
| Average equity | $11,569,000 | 4,040 |
| Average total loans | $63,243,333 | 3,845 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2663% | 246 |
| Cost of funding earning assets | 0.3995% | 2,100 |
| Net interest margin | 4.8668% | 222 |
| Noninterest income to average assets | 0.4827% | 2,693 |
| Noninterest expense to average assets | 3.9288% | 303 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8340% | 3,317 |
| Return on assets (ROA) | 0.8340% | 3,397 |
| Pretax return on assets | 0.8340% | 3,755 |
| Return on Equity (ROE) | 8.1021% | 3,293 |
| Retained earnings to average equity (ytd only) | 8.1021% | 2,202 |
| Net charge-offs to loans | -0.0503% | 4,397 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4888% | 675 |
| Assets per employee ($millions) | 3.5685% | 4,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6768% | 1,099 |
| Loan loss allowance to noncurrent loans | 43.0233% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 3.3102% | 83 |
| Noncurrent loans to loans | 3.8975% | 143 |
| Net loans and leases to total assets | 55.0980% | 3,138 |
| Net loans and leases to deposits | 62.6514% | 3,257 |
| Net loans and leases to core deposits | 70.6329% | 2,819 |
| Total domestic deposits to total assets | 87.9439% | 1,874 |
| Equity capital to assets | 10.1645% | 2,546 |
| Core capital (leverage) ratio | 10.3755% | 2,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,705,000 | 3,944 |
| Average earning assets | $99,121,500 | 3,987 |
| Average equity | $11,602,000 | 4,048 |
| Average total loans | $63,656,500 | 3,854 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4951% | 192 |
| Cost of funding earning assets | 0.6029% | 2,279 |
| Net interest margin | 4.8922% | 147 |
| Noninterest income to average assets | 0.5203% | 2,545 |
| Noninterest expense to average assets | 4.1147% | 338 |
| Loan and lease loss provision to assets | 0.0807% | 3,367 |
| Net operating income to assets | 0.5772% | 3,822 |
| Return on assets (ROA) | 0.5772% | 3,928 |
| Pretax return on assets | 0.5772% | 4,126 |
| Return on Equity (ROE) | 5.2969% | 3,816 |
| Retained earnings to average equity (ytd only) | -1.1674% | 4,649 |
| Net charge-offs to loans | 0.1367% | 1,179 |
| Credit loss provision to net charge-offs | 95.5056% | 2,882 |
| Earnings coverage of net charge-offs (x) | 7.7865% | 2,664 |
| Efficiency ratio | 86.2144% | 525 |
| Assets per employee ($millions) | 3.4756% | 4,664 |
| Cash dividends to net income (ytd only)* | 122.0395% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6850% | 1,072 |
| Loan loss allowance to noncurrent loans | 90.0422% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 2.3350% | 207 |
| Noncurrent loans to loans | 1.8714% | 647 |
| Net loans and leases to total assets | 55.9760% | 3,307 |
| Net loans and leases to deposits | 63.8399% | 3,453 |
| Net loans and leases to core deposits | 71.7673% | 3,101 |
| Total domestic deposits to total assets | 87.6820% | 1,619 |
| Equity capital to assets | 10.4272% | 2,733 |
| Core capital (leverage) ratio | 10.7929% | 1,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,330,200 | 3,924 |
| Average earning assets | $91,554,200 | 4,008 |
| Average equity | $11,478,400 | 4,028 |
| Average total loans | $65,103,000 | 3,829 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6519% | 167 |
| Cost of funding earning assets | 0.6493% | 2,324 |
| Net interest margin | 5.0026% | 140 |
| Noninterest income to average assets | 0.5276% | 2,491 |
| Noninterest expense to average assets | 4.3019% | 296 |
| Loan and lease loss provision to assets | 0.1088% | 2,960 |
| Net operating income to assets | 0.4686% | 4,122 |
| Return on assets (ROA) | 0.4686% | 4,193 |
| Pretax return on assets | 0.4686% | 4,347 |
| Return on Equity (ROE) | 4.2507% | 4,110 |
| Retained earnings to average equity (ytd only) | -4.4021% | 4,825 |
| Net charge-offs to loans | 0.4984% | 298 |
| Credit loss provision to net charge-offs | 34.6939% | 2,940 |
| Earnings coverage of net charge-offs (x) | 1.8367% | 3,038 |
| Efficiency ratio | 88.1610% | 412 |
| Assets per employee ($millions) | 3.3882% | 4,712 |
| Cash dividends to net income (ytd only)* | 203.5616% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 1,611 |
| Loan loss allowance to noncurrent loans | 73.9236% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 2.5458% | 210 |
| Noncurrent loans to loans | 1.9331% | 646 |
| Net loans and leases to total assets | 59.7620% | 3,252 |
| Net loans and leases to deposits | 68.6419% | 3,419 |
| Net loans and leases to core deposits | 77.2956% | 3,069 |
| Total domestic deposits to total assets | 87.0634% | 1,642 |
| Equity capital to assets | 10.7650% | 2,575 |
| Core capital (leverage) ratio | 10.6344% | 2,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,858,000 | 3,944 |
| Average earning assets | $90,350,500 | 4,017 |
| Average equity | $11,448,750 | 4,045 |
| Average total loans | $65,548,000 | 3,833 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7530% | 210 |
| Cost of funding earning assets | 0.6811% | 2,493 |
| Net interest margin | 5.0719% | 176 |
| Noninterest income to average assets | 0.5490% | 2,359 |
| Noninterest expense to average assets | 4.2120% | 325 |
| Loan and lease loss provision to assets | 0.1643% | 2,358 |
| Net operating income to assets | 0.5915% | 3,770 |
| Return on assets (ROA) | 0.5915% | 3,850 |
| Pretax return on assets | 0.5915% | 4,079 |
| Return on Equity (ROE) | 5.3236% | 3,738 |
| Retained earnings to average equity (ytd only) | -6.5762% | 4,834 |
| Net charge-offs to loans | 0.5743% | 273 |
| Credit loss provision to net charge-offs | 44.7368% | 2,647 |
| Earnings coverage of net charge-offs (x) | 2.0579% | 2,808 |
| Efficiency ratio | 84.7860% | 596 |
| Assets per employee ($millions) | 3.5778% | 4,622 |
| Cash dividends to net income (ytd only)* | 223.5294% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 1,332 |
| Loan loss allowance to noncurrent loans | 28.0722% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 4.0969% | 85 |
| Noncurrent loans to loans | 5.2729% | 96 |
| Net loans and leases to total assets | 57.8489% | 3,529 |
| Net loans and leases to deposits | 65.8653% | 3,734 |
| Net loans and leases to core deposits | 73.4052% | 3,496 |
| Total domestic deposits to total assets | 87.8292% | 1,271 |
| Equity capital to assets | 10.2179% | 2,995 |
| Core capital (leverage) ratio | 10.8008% | 2,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,465,667 | 3,948 |
| Average earning assets | $90,143,667 | 4,023 |
| Average equity | $11,496,000 | 4,046 |
| Average total loans | $66,170,333 | 3,830 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1042% | 146 |
| Cost of funding earning assets | 0.7377% | 2,740 |
| Net interest margin | 5.3665% | 112 |
| Noninterest income to average assets | 0.7138% | 1,596 |
| Noninterest expense to average assets | 4.2871% | 374 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0948% | 1,860 |
| Return on assets (ROA) | 1.0948% | 1,957 |
| Pretax return on assets | 1.0948% | 2,540 |
| Return on Equity (ROE) | 9.4321% | 1,942 |
| Retained earnings to average equity (ytd only) | 9.4321% | 861 |
| Net charge-offs to loans | 0.2879% | 508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 5.6875% | 2,038 |
| Efficiency ratio | 79.6572% | 1,176 |
| Assets per employee ($millions) | 3.2128% | 4,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5072% | 1,316 |
| Loan loss allowance to noncurrent loans | 52.3297% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 3.0754% | 185 |
| Noncurrent loans to loans | 2.8802% | 383 |
| Net loans and leases to total assets | 67.0569% | 2,694 |
| Net loans and leases to deposits | 77.7875% | 2,906 |
| Net loans and leases to core deposits | 86.5160% | 2,643 |
| Total domestic deposits to total assets | 86.2053% | 1,917 |
| Equity capital to assets | 11.7545% | 2,249 |
| Core capital (leverage) ratio | 11.8876% | 1,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,742,000 | 3,999 |
| Average earning assets | $86,760,000 | 4,067 |
| Average equity | $11,577,500 | 4,056 |
| Average total loans | $66,692,500 | 3,824 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1667% | 176 |
| Cost of funding earning assets | 0.8089% | 2,636 |
| Net interest margin | 5.3578% | 139 |
| Noninterest income to average assets | 0.6574% | 1,976 |
| Noninterest expense to average assets | 4.1053% | 467 |
| Loan and lease loss provision to assets | 0.4015% | 358 |
| Net operating income to assets | 0.8110% | 3,526 |
| Return on assets (ROA) | 0.8110% | 3,616 |
| Pretax return on assets | 0.8110% | 3,953 |
| Return on Equity (ROE) | 7.2412% | 3,470 |
| Retained earnings to average equity (ytd only) | 3.8088% | 3,072 |
| Net charge-offs to loans | 0.2471% | 836 |
| Credit loss provision to net charge-offs | 239.5210% | 1,133 |
| Earnings coverage of net charge-offs (x) | 7.2335% | 2,894 |
| Efficiency ratio | 77.1989% | 1,239 |
| Assets per employee ($millions) | 3.2222% | 4,687 |
| Cash dividends to net income (ytd only)* | 47.4010% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6301% | 915 |
| Loan loss allowance to noncurrent loans | 58.0663% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 3.1105% | 167 |
| Noncurrent loans to loans | 2.8074% | 355 |
| Net loans and leases to total assets | 64.5803% | 3,123 |
| Net loans and leases to deposits | 74.5947% | 3,296 |
| Net loans and leases to core deposits | 83.1246% | 3,031 |
| Total domestic deposits to total assets | 86.5750% | 1,817 |
| Equity capital to assets | 11.4608% | 2,562 |
| Core capital (leverage) ratio | 11.6168% | 2,026 |
| Tier 1 risk-based capital ratio | 14.7591% | 2,881 |
| Total risk-based capital ratio | 16.0102% | 2,806 |
| Memoranda: | ||
| Average total assets | $99,628,400 | 4,008 |
| Average earning assets | $86,659,000 | 4,087 |
| Average equity | $11,158,400 | 4,102 |
| Average total loans | $67,588,800 | 3,820 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1591% | 183 |
| Cost of funding earning assets | 0.8101% | 2,658 |
| Net interest margin | 5.3491% | 155 |
| Noninterest income to average assets | 0.6736% | 1,899 |
| Noninterest expense to average assets | 4.1205% | 462 |
| Loan and lease loss provision to assets | 0.2611% | 605 |
| Net operating income to assets | 0.9521% | 3,159 |
| Return on assets (ROA) | 0.9521% | 3,234 |
| Pretax return on assets | 0.9521% | 3,729 |
| Return on Equity (ROE) | 8.5511% | 3,085 |
| Retained earnings to average equity (ytd only) | 3.9448% | 3,427 |
| Net charge-offs to loans | 0.3368% | 511 |
| Credit loss provision to net charge-offs | 113.3721% | 2,050 |
| Earnings coverage of net charge-offs (x) | 5.2674% | 2,933 |
| Efficiency ratio | 77.2533% | 1,186 |
| Assets per employee ($millions) | 3.1578% | 4,787 |
| Cash dividends to net income (ytd only)* | 53.8672% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 2,004 |
| Loan loss allowance to noncurrent loans | 43.0215% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 3.3353% | 156 |
| Noncurrent loans to loans | 3.0004% | 328 |
| Net loans and leases to total assets | 67.1812% | 2,901 |
| Net loans and leases to deposits | 77.9086% | 3,100 |
| Net loans and leases to core deposits | 88.1486% | 2,714 |
| Total domestic deposits to total assets | 86.2307% | 1,891 |
| Equity capital to assets | 11.5689% | 2,613 |
| Core capital (leverage) ratio | 11.4870% | 2,230 |
| Tier 1 risk-based capital ratio | 14.3161% | 3,169 |
| Total risk-based capital ratio | 15.4048% | 3,155 |
| Memoranda: | ||
| Average total assets | $99,563,500 | 4,051 |
| Average earning assets | $86,741,500 | 4,137 |
| Average equity | $11,086,000 | 4,149 |
| Average total loans | $68,091,750 | 3,853 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0531% | 213 |
| Cost of funding earning assets | 0.7801% | 2,747 |
| Net interest margin | 5.2731% | 173 |
| Noninterest income to average assets | 0.6612% | 1,869 |
| Noninterest expense to average assets | 4.0112% | 533 |
| Loan and lease loss provision to assets | 0.2397% | 652 |
| Net operating income to assets | 1.0148% | 2,864 |
| Return on assets (ROA) | 1.0148% | 2,945 |
| Pretax return on assets | 1.0148% | 3,491 |
| Return on Equity (ROE) | 9.2311% | 2,766 |
| Retained earnings to average equity (ytd only) | 2.2714% | 4,029 |
| Net charge-offs to loans | 0.3004% | 567 |
| Credit loss provision to net charge-offs | 116.5049% | 1,784 |
| Earnings coverage of net charge-offs (x) | 6.0971% | 2,598 |
| Efficiency ratio | 76.1760% | 1,371 |
| Assets per employee ($millions) | 3.1198% | 4,829 |
| Cash dividends to net income (ytd only)* | 75.3937% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 2,190 |
| Loan loss allowance to noncurrent loans | 46.4850% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 3.1072% | 182 |
| Noncurrent loans to loans | 2.7117% | 399 |
| Net loans and leases to total assets | 66.9288% | 2,978 |
| Net loans and leases to deposits | 77.0678% | 3,240 |
| Net loans and leases to core deposits | 87.1375% | 2,877 |
| Total domestic deposits to total assets | 86.8440% | 1,668 |
| Equity capital to assets | 11.1296% | 2,921 |
| Core capital (leverage) ratio | 11.3472% | 2,298 |
| Tier 1 risk-based capital ratio | 15.0835% | 2,799 |
| Total risk-based capital ratio | 16.2420% | 2,767 |
| Memoranda: | ||
| Average total assets | $100,120,670 | 4,066 |
| Average earning assets | $87,425,670 | 4,150 |
| Average equity | $11,006,330 | 4,170 |
| Average total loans | $68,580,670 | 3,868 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9044% | 258 |
| Cost of funding earning assets | 0.7409% | 2,829 |
| Net interest margin | 5.1635% | 211 |
| Noninterest income to average assets | 0.7221% | 1,537 |
| Noninterest expense to average assets | 4.0214% | 521 |
| Loan and lease loss provision to assets | 0.0997% | 1,763 |
| Net operating income to assets | 1.1609% | 2,211 |
| Return on assets (ROA) | 1.1609% | 2,264 |
| Pretax return on assets | 1.1609% | 2,934 |
| Return on Equity (ROE) | 10.6263% | 2,110 |
| Retained earnings to average equity (ytd only) | 10.6263% | 896 |
| Net charge-offs to loans | 0.2781% | 533 |
| Credit loss provision to net charge-offs | 52.0833% | 1,959 |
| Earnings coverage of net charge-offs (x) | 6.5833% | 2,183 |
| Efficiency ratio | 76.1329% | 1,485 |
| Assets per employee ($millions) | 3.0138% | 4,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 2,654 |
| Loan loss allowance to noncurrent loans | 44.3839% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 3.1180% | 196 |
| Noncurrent loans to loans | 2.6737% | 464 |
| Net loans and leases to total assets | 68.1531% | 2,741 |
| Net loans and leases to deposits | 78.4520% | 3,014 |
| Net loans and leases to core deposits | 87.1759% | 2,767 |
| Total domestic deposits to total assets | 86.8723% | 1,878 |
| Equity capital to assets | 11.2112% | 2,640 |
| Core capital (leverage) ratio | 11.4426% | 2,176 |
| Tier 1 risk-based capital ratio | 15.2377% | 2,782 |
| Total risk-based capital ratio | 16.3380% | 2,761 |
| Memoranda: | ||
| Average total assets | $100,264,500 | 4,106 |
| Average earning assets | $88,544,500 | 4,172 |
| Average equity | $10,954,000 | 4,198 |
| Average total loans | $69,036,000 | 3,887 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8880% | 202 |
| Cost of funding earning assets | 0.5892% | 2,798 |
| Net interest margin | 5.2988% | 162 |
| Noninterest income to average assets | 0.7481% | 1,650 |
| Noninterest expense to average assets | 4.3960% | 329 |
| Loan and lease loss provision to assets | 0.2236% | 799 |
| Net operating income to assets | 0.7718% | 3,909 |
| Return on assets (ROA) | 0.7718% | 3,912 |
| Pretax return on assets | 0.7718% | 4,242 |
| Return on Equity (ROE) | 7.0839% | 3,792 |
| Retained earnings to average equity (ytd only) | 2.7712% | 4,014 |
| Net charge-offs to loans | 0.5064% | 351 |
| Credit loss provision to net charge-offs | 60.7843% | 3,093 |
| Earnings coverage of net charge-offs (x) | 2.7059% | 3,495 |
| Efficiency ratio | 81.5367% | 839 |
| Assets per employee ($millions) | 3.0629% | 4,956 |
| Cash dividends to net income (ytd only)* | 60.8812% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 2,545 |
| Loan loss allowance to noncurrent loans | 65.8019% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 2.5110% | 301 |
| Noncurrent loans to loans | 1.8308% | 768 |
| Net loans and leases to total assets | 67.9100% | 2,889 |
| Net loans and leases to deposits | 78.4359% | 3,117 |
| Net loans and leases to core deposits | 87.5700% | 2,785 |
| Total domestic deposits to total assets | 86.5803% | 1,973 |
| Equity capital to assets | 10.6436% | 3,035 |
| Core capital (leverage) ratio | 11.5490% | 2,062 |
| Tier 1 risk-based capital ratio | 14.6107% | 3,018 |
| Total risk-based capital ratio | 15.7244% | 2,986 |
| Memoranda: | ||
| Average total assets | $97,041,800 | 4,150 |
| Average earning assets | $85,037,600 | 4,234 |
| Average equity | $10,573,200 | 4,220 |
| Average total loans | $70,504,200 | 3,862 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9044% | 179 |
| Cost of funding earning assets | 0.5466% | 2,879 |
| Net interest margin | 5.3579% | 137 |
| Noninterest income to average assets | 0.7664% | 1,596 |
| Noninterest expense to average assets | 4.5261% | 283 |
| Loan and lease loss provision to assets | 0.2319% | 699 |
| Net operating income to assets | 0.6900% | 4,257 |
| Return on assets (ROA) | 0.6900% | 4,268 |
| Pretax return on assets | 0.6900% | 4,557 |
| Return on Equity (ROE) | 6.2948% | 4,173 |
| Retained earnings to average equity (ytd only) | 0.5193% | 4,949 |
| Net charge-offs to loans | 0.4070% | 397 |
| Credit loss provision to net charge-offs | 77.3148% | 2,559 |
| Earnings coverage of net charge-offs (x) | 3.0741% | 3,196 |
| Efficiency ratio | 83.0785% | 699 |
| Assets per employee ($millions) | 2.9182% | 5,095 |
| Cash dividends to net income (ytd only)* | 91.7498% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 1,958 |
| Loan loss allowance to noncurrent loans | 29.3485% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 4.5980% | 98 |
| Noncurrent loans to loans | 4.5361% | 162 |
| Net loans and leases to total assets | 71.4212% | 2,421 |
| Net loans and leases to deposits | 83.4790% | 2,658 |
| Net loans and leases to core deposits | 92.7317% | 2,412 |
| Total domestic deposits to total assets | 85.5559% | 2,368 |
| Equity capital to assets | 10.8129% | 2,834 |
| Core capital (leverage) ratio | 11.3762% | 2,266 |
| Tier 1 risk-based capital ratio | 13.6029% | 3,574 |
| Total risk-based capital ratio | 14.7795% | 3,524 |
| Memoranda: | ||
| Average total assets | $96,033,500 | 4,211 |
| Average earning assets | $83,912,000 | 4,298 |
| Average equity | $10,527,000 | 4,268 |
| Average total loans | $70,761,000 | 3,890 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8405% | 187 |
| Cost of funding earning assets | 0.5260% | 2,793 |
| Net interest margin | 5.3145% | 142 |
| Noninterest income to average assets | 0.8234% | 1,407 |
| Noninterest expense to average assets | 4.2421% | 390 |
| Loan and lease loss provision to assets | 0.2960% | 469 |
| Net operating income to assets | 0.9401% | 3,274 |
| Return on assets (ROA) | 0.9401% | 3,279 |
| Pretax return on assets | 0.9401% | 3,843 |
| Return on Equity (ROE) | 8.5376% | 3,240 |
| Retained earnings to average equity (ytd only) | -0.0947% | 4,970 |
| Net charge-offs to loans | 0.2278% | 702 |
| Credit loss provision to net charge-offs | 175.3086% | 1,422 |
| Earnings coverage of net charge-offs (x) | 7.3210% | 2,557 |
| Efficiency ratio | 77.4353% | 1,255 |
| Assets per employee ($millions) | 2.8284% | 5,206 |
| Cash dividends to net income (ytd only)* | 101.1086% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4775% | 1,465 |
| Loan loss allowance to noncurrent loans | 36.9395% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 3.8591% | 148 |
| Noncurrent loans to loans | 3.9998% | 220 |
| Net loans and leases to total assets | 74.1563% | 1,927 |
| Net loans and leases to deposits | 85.9324% | 2,321 |
| Net loans and leases to core deposits | 96.3635% | 2,028 |
| Total domestic deposits to total assets | 86.2960% | 2,142 |
| Equity capital to assets | 11.1627% | 2,487 |
| Core capital (leverage) ratio | 11.2748% | 2,281 |
| Tier 1 risk-based capital ratio | 13.7324% | 3,488 |
| Total risk-based capital ratio | 14.9832% | 3,397 |
| Memoranda: | ||
| Average total assets | $95,944,000 | 4,248 |
| Average earning assets | $84,034,330 | 4,330 |
| Average equity | $10,565,000 | 4,298 |
| Average total loans | $71,112,000 | 3,907 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6307% | 225 |
| Cost of funding earning assets | 0.5191% | 2,647 |
| Net interest margin | 5.1116% | 187 |
| Noninterest income to average assets | 0.8062% | 1,433 |
| Noninterest expense to average assets | 4.0104% | 528 |
| Loan and lease loss provision to assets | 0.3784% | 311 |
| Net operating income to assets | 0.9131% | 3,234 |
| Return on assets (ROA) | 0.9131% | 3,244 |
| Pretax return on assets | 0.9131% | 3,806 |
| Return on Equity (ROE) | 8.3474% | 3,222 |
| Retained earnings to average equity (ytd only) | 7.9714% | 1,847 |
| Net charge-offs to loans | 0.5088% | 298 |
| Credit loss provision to net charge-offs | 101.0989% | 1,530 |
| Earnings coverage of net charge-offs (x) | 3.4505% | 2,387 |
| Efficiency ratio | 75.6400% | 1,646 |
| Assets per employee ($millions) | 2.8231% | 5,276 |
| Cash dividends to net income (ytd only)* | 4.5045% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3668% | 1,964 |
| Loan loss allowance to noncurrent loans | 38.9486% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 3.4411% | 208 |
| Noncurrent loans to loans | 3.5093% | 297 |
| Net loans and leases to total assets | 73.5263% | 1,940 |
| Net loans and leases to deposits | 84.9667% | 2,291 |
| Net loans and leases to core deposits | 94.8181% | 2,074 |
| Total domestic deposits to total assets | 86.5355% | 2,300 |
| Equity capital to assets | 11.1131% | 2,470 |
| Core capital (leverage) ratio | 11.4347% | 2,061 |
| Tier 1 risk-based capital ratio | 13.7515% | 3,519 |
| Total risk-based capital ratio | 14.9854% | 3,431 |
| Memoranda: | ||
| Average total assets | $97,247,000 | 4,263 |
| Average earning assets | $85,531,000 | 4,354 |
| Average equity | $10,638,000 | 4,329 |
| Average total loans | $71,541,000 | 3,937 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7512% | 180 |
| Cost of funding earning assets | 0.4718% | 2,590 |
| Net interest margin | 5.2794% | 151 |
| Noninterest income to average assets | 0.5934% | 2,481 |
| Noninterest expense to average assets | 3.9671% | 560 |
| Loan and lease loss provision to assets | 0.2833% | 623 |
| Net operating income to assets | 0.9653% | 2,381 |
| Return on assets (ROA) | 0.9653% | 2,422 |
| Pretax return on assets | 0.9653% | 3,688 |
| Return on Equity (ROE) | 9.0001% | 2,320 |
| Retained earnings to average equity (ytd only) | 3.2274% | 3,365 |
| Net charge-offs to loans | 0.0689% | 2,469 |
| Credit loss provision to net charge-offs | 561.2245% | 577 |
| Earnings coverage of net charge-offs (x) | 24.7347% | 1,745 |
| Efficiency ratio | 76.0616% | 1,608 |
| Assets per employee ($millions) | 2.9851% | 5,209 |
| Cash dividends to net income (ytd only)* | 64.1409% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 1,903 |
| Loan loss allowance to noncurrent loans | 34.7069% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 3.6616% | 178 |
| Noncurrent loans to loans | 3.9355% | 244 |
| Net loans and leases to total assets | 71.6206% | 2,285 |
| Net loans and leases to deposits | 82.3330% | 2,688 |
| Net loans and leases to core deposits | 92.2164% | 2,362 |
| Total domestic deposits to total assets | 86.9889% | 2,003 |
| Equity capital to assets | 10.7697% | 2,872 |
| Core capital (leverage) ratio | 11.1238% | 2,221 |
| Tier 1 risk-based capital ratio | 13.7362% | 3,502 |
| Total risk-based capital ratio | 14.9854% | 3,421 |
| Memoranda: | ||
| Average total assets | $97,073,000 | 4,288 |
| Average earning assets | $84,990,400 | 4,379 |
| Average equity | $10,411,000 | 4,390 |
| Average total loans | $71,157,600 | 3,934 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7595% | 171 |
| Cost of funding earning assets | 0.4666% | 2,553 |
| Net interest margin | 5.2929% | 146 |
| Noninterest income to average assets | 0.6080% | 2,432 |
| Noninterest expense to average assets | 3.8918% | 600 |
| Loan and lease loss provision to assets | 0.2757% | 593 |
| Net operating income to assets | 1.0698% | 2,233 |
| Return on assets (ROA) | 1.0698% | 2,281 |
| Pretax return on assets | 1.0698% | 3,424 |
| Return on Equity (ROE) | 9.9854% | 2,139 |
| Retained earnings to average equity (ytd only) | 2.2519% | 4,514 |
| Net charge-offs to loans | 0.0675% | 2,157 |
| Credit loss provision to net charge-offs | 555.5556% | 570 |
| Earnings coverage of net charge-offs (x) | 27.1104% | 1,651 |
| Efficiency ratio | 74.3090% | 1,850 |
| Assets per employee ($millions) | 2.7374% | 5,418 |
| Cash dividends to net income (ytd only)* | 77.4482% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 2,417 |
| Loan loss allowance to noncurrent loans | 42.0690% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 3.2387% | 266 |
| Noncurrent loans to loans | 3.0626% | 404 |
| Net loans and leases to total assets | 73.1698% | 2,068 |
| Net loans and leases to deposits | 86.0816% | 2,282 |
| Net loans and leases to core deposits | 95.3887% | 2,137 |
| Total domestic deposits to total assets | 85.0005% | 2,714 |
| Equity capital to assets | 10.9519% | 2,908 |
| Core capital (leverage) ratio | 10.9366% | 2,521 |
| Tier 1 risk-based capital ratio | 13.5313% | 3,684 |
| Total risk-based capital ratio | 14.7113% | 3,645 |
| Memoranda: | ||
| Average total assets | $96,714,250 | 4,336 |
| Average earning assets | $84,588,500 | 4,429 |
| Average equity | $10,361,500 | 4,440 |
| Average total loans | $71,064,750 | 3,968 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7766% | 172 |
| Cost of funding earning assets | 0.4600% | 2,510 |
| Net interest margin | 5.3167% | 141 |
| Noninterest income to average assets | 0.6123% | 2,398 |
| Noninterest expense to average assets | 3.9519% | 563 |
| Loan and lease loss provision to assets | 0.2577% | 643 |
| Net operating income to assets | 1.0493% | 2,209 |
| Return on assets (ROA) | 1.0493% | 2,250 |
| Pretax return on assets | 1.0493% | 3,376 |
| Return on Equity (ROE) | 9.8666% | 2,097 |
| Retained earnings to average equity (ytd only) | -1.7833% | 5,327 |
| Net charge-offs to loans | 0.0535% | 2,160 |
| Credit loss provision to net charge-offs | 657.8947% | 523 |
| Earnings coverage of net charge-offs (x) | 33.3684% | 1,390 |
| Efficiency ratio | 75.1470% | 1,834 |
| Assets per employee ($millions) | 2.9051% | 5,353 |
| Cash dividends to net income (ytd only)* | 118.0747% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 3,061 |
| Loan loss allowance to noncurrent loans | 48.9155% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 2.7955% | 352 |
| Noncurrent loans to loans | 2.4389% | 631 |
| Net loans and leases to total assets | 74.0383% | 1,857 |
| Net loans and leases to deposits | 87.8160% | 2,007 |
| Net loans and leases to core deposits | 98.9116% | 1,734 |
| Total domestic deposits to total assets | 84.3107% | 3,083 |
| Equity capital to assets | 10.6699% | 3,156 |
| Core capital (leverage) ratio | 10.6581% | 2,750 |
| Tier 1 risk-based capital ratio | 13.3899% | 3,756 |
| Total risk-based capital ratio | 14.5083% | 3,747 |
| Memoranda: | ||
| Average total assets | $97,015,670 | 4,359 |
| Average earning assets | $84,789,670 | 4,449 |
| Average equity | $10,317,670 | 4,466 |
| Average total loans | $71,080,000 | 3,987 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6222% | 199 |
| Cost of funding earning assets | 0.4732% | 2,326 |
| Net interest margin | 5.1490% | 170 |
| Noninterest income to average assets | 0.6640% | 2,125 |
| Noninterest expense to average assets | 3.8734% | 621 |
| Loan and lease loss provision to assets | 0.2049% | 802 |
| Net operating income to assets | 1.0903% | 1,909 |
| Return on assets (ROA) | 1.0903% | 1,953 |
| Pretax return on assets | 1.0903% | 3,025 |
| Return on Equity (ROE) | 10.2683% | 1,840 |
| Retained earnings to average equity (ytd only) | 9.8823% | 834 |
| Net charge-offs to loans | 0.0509% | 1,842 |
| Credit loss provision to net charge-offs | 555.5556% | 537 |
| Earnings coverage of net charge-offs (x) | 35.1111% | 1,127 |
| Efficiency ratio | 74.9405% | 2,077 |
| Assets per employee ($millions) | 2.8620% | 5,455 |
| Cash dividends to net income (ytd only)* | 3.7594% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 3,643 |
| Loan loss allowance to noncurrent loans | 49.9055% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 2.5003% | 456 |
| Noncurrent loans to loans | 2.2292% | 752 |
| Net loans and leases to total assets | 72.3455% | 2,026 |
| Net loans and leases to deposits | 83.7453% | 2,314 |
| Net loans and leases to core deposits | 93.3005% | 2,032 |
| Total domestic deposits to total assets | 86.3876% | 2,502 |
| Equity capital to assets | 10.7966% | 2,859 |
| Core capital (leverage) ratio | 10.9360% | 2,432 |
| Tier 1 risk-based capital ratio | 13.7453% | 3,637 |
| Total risk-based capital ratio | 14.7717% | 3,676 |
| Memoranda: | ||
| Average total assets | $97,589,500 | 4,393 |
| Average earning assets | $85,375,500 | 4,488 |
| Average equity | $10,362,000 | 4,485 |
| Average total loans | $70,702,000 | 4,034 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6885% | 195 |
| Cost of funding earning assets | 0.4301% | 2,704 |
| Net interest margin | 5.2585% | 156 |
| Noninterest income to average assets | 0.7352% | 2,018 |
| Noninterest expense to average assets | 3.9735% | 627 |
| Loan and lease loss provision to assets | 0.1778% | 1,356 |
| Net operating income to assets | 1.2108% | 1,471 |
| Return on assets (ROA) | 1.2108% | 1,556 |
| Pretax return on assets | 1.2108% | 2,618 |
| Return on Equity (ROE) | 11.5602% | 1,378 |
| Retained earnings to average equity (ytd only) | 4.3931% | 2,788 |
| Net charge-offs to loans | 0.3901% | 682 |
| Credit loss provision to net charge-offs | 63.9405% | 3,194 |
| Earnings coverage of net charge-offs (x) | 4.9926% | 3,411 |
| Efficiency ratio | 74.1034% | 2,273 |
| Assets per employee ($millions) | 2.8786% | 5,438 |
| Cash dividends to net income (ytd only)* | 61.9983% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0696% | 3,895 |
| Loan loss allowance to noncurrent loans | 59.6979% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 2.1508% | 612 |
| Noncurrent loans to loans | 1.7917% | 1,059 |
| Net loans and leases to total assets | 70.9740% | 2,335 |
| Net loans and leases to deposits | 81.7924% | 2,693 |
| Net loans and leases to core deposits | 92.0735% | 2,295 |
| Total domestic deposits to total assets | 86.7734% | 2,251 |
| Equity capital to assets | 10.4403% | 3,222 |
| Core capital (leverage) ratio | 10.8828% | 2,453 |
| Tier 1 risk-based capital ratio | 14.9857% | 2,971 |
| Total risk-based capital ratio | 16.0729% | 2,986 |
| Memoranda: | ||
| Average total assets | $96,714,600 | 4,410 |
| Average earning assets | $85,101,000 | 4,493 |
| Average equity | $10,129,600 | 4,549 |
| Average total loans | $68,949,200 | 4,069 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6882% | 194 |
| Cost of funding earning assets | 0.4270% | 2,762 |
| Net interest margin | 5.2612% | 152 |
| Noninterest income to average assets | 0.7674% | 1,899 |
| Noninterest expense to average assets | 3.9601% | 619 |
| Loan and lease loss provision to assets | 0.2212% | 936 |
| Net operating income to assets | 1.2196% | 1,564 |
| Return on assets (ROA) | 1.2196% | 1,664 |
| Pretax return on assets | 1.2196% | 2,755 |
| Return on Equity (ROE) | 11.6346% | 1,434 |
| Retained earnings to average equity (ytd only) | 2.0446% | 4,669 |
| Net charge-offs to loans | 0.1787% | 1,303 |
| Credit loss provision to net charge-offs | 173.9130% | 1,602 |
| Earnings coverage of net charge-offs (x) | 11.3264% | 2,494 |
| Efficiency ratio | 73.3231% | 2,388 |
| Assets per employee ($millions) | 2.8235% | 5,538 |
| Cash dividends to net income (ytd only)* | 82.4264% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 2,589 |
| Loan loss allowance to noncurrent loans | 37.8512% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 2.8417% | 433 |
| Noncurrent loans to loans | 3.4780% | 375 |
| Net loans and leases to total assets | 71.5250% | 2,259 |
| Net loans and leases to deposits | 82.8635% | 2,626 |
| Net loans and leases to core deposits | 93.0117% | 2,275 |
| Total domestic deposits to total assets | 86.3167% | 2,208 |
| Equity capital to assets | 10.6667% | 3,386 |
| Core capital (leverage) ratio | 10.6026% | 2,871 |
| Tier 1 risk-based capital ratio | 15.2094% | 2,952 |
| Total risk-based capital ratio | 16.4609% | 2,890 |
| Memoranda: | ||
| Average total assets | $96,425,500 | 4,453 |
| Average earning assets | $84,922,250 | 4,531 |
| Average equity | $10,107,500 | 4,597 |
| Average total loans | $68,633,000 | 4,105 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6214% | 209 |
| Cost of funding earning assets | 0.4230% | 2,805 |
| Net interest margin | 5.1984% | 168 |
| Noninterest income to average assets | 0.7829% | 1,796 |
| Noninterest expense to average assets | 3.7880% | 782 |
| Loan and lease loss provision to assets | 0.1553% | 1,470 |
| Net operating income to assets | 1.4208% | 1,030 |
| Return on assets (ROA) | 1.4208% | 1,070 |
| Pretax return on assets | 1.4208% | 1,944 |
| Return on Equity (ROE) | 13.6337% | 899 |
| Retained earnings to average equity (ytd only) | -0.8148% | 5,415 |
| Net charge-offs to loans | 0.2810% | 847 |
| Credit loss provision to net charge-offs | 78.1250% | 2,386 |
| Earnings coverage of net charge-offs (x) | 7.9271% | 2,570 |
| Efficiency ratio | 70.6178% | 2,890 |
| Assets per employee ($millions) | 2.7361% | 5,657 |
| Cash dividends to net income (ytd only)* | 105.9767% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 3,279 |
| Loan loss allowance to noncurrent loans | 86.7786% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.2698% | 1,607 |
| Noncurrent loans to loans | 1.3988% | 1,598 |
| Net loans and leases to total assets | 70.2772% | 2,436 |
| Net loans and leases to deposits | 80.1412% | 2,915 |
| Net loans and leases to core deposits | 89.7921% | 2,554 |
| Total domestic deposits to total assets | 87.6917% | 1,577 |
| Equity capital to assets | 10.4474% | 3,698 |
| Core capital (leverage) ratio | 10.3600% | 3,124 |
| Tier 1 risk-based capital ratio | 13.0899% | 4,151 |
| Total risk-based capital ratio | 14.1870% | 4,151 |
| Memoranda: | ||
| Average total assets | $96,567,330 | 4,489 |
| Average earning assets | $85,103,000 | 4,562 |
| Average equity | $10,063,330 | 4,630 |
| Average total loans | $68,317,330 | 4,137 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3221% | 339 |
| Cost of funding earning assets | 0.4112% | 2,945 |
| Net interest margin | 4.9109% | 306 |
| Noninterest income to average assets | 0.7425% | 1,848 |
| Noninterest expense to average assets | 3.6507% | 963 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4273% | 989 |
| Return on assets (ROA) | 1.4273% | 1,036 |
| Pretax return on assets | 1.4273% | 1,811 |
| Return on Equity (ROE) | 13.7132% | 894 |
| Retained earnings to average equity (ytd only) | 13.3565% | 362 |
| Net charge-offs to loans | 0.1286% | 1,333 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 15.7273% | 1,649 |
| Efficiency ratio | 71.8928% | 2,814 |
| Assets per employee ($millions) | 2.9669% | 5,535 |
| Cash dividends to net income (ytd only)* | 2.6012% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 3,471 |
| Loan loss allowance to noncurrent loans | 75.0909% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 1.3921% | 1,493 |
| Noncurrent loans to loans | 1.5996% | 1,449 |
| Net loans and leases to total assets | 69.3937% | 2,441 |
| Net loans and leases to deposits | 80.0137% | 2,786 |
| Net loans and leases to core deposits | 87.6637% | 2,595 |
| Total domestic deposits to total assets | 86.7273% | 2,341 |
| Equity capital to assets | 10.5191% | 3,470 |
| Core capital (leverage) ratio | 10.7965% | 2,624 |
| Tier 1 risk-based capital ratio | 15.9643% | 2,698 |
| Total risk-based capital ratio | 17.2142% | 2,644 |
| Memoranda: | ||
| Average total assets | $96,968,500 | 4,510 |
| Average earning assets | $85,605,000 | 4,584 |
| Average equity | $10,092,500 | 4,645 |
| Average total loans | $68,412,000 | 4,149 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9081% | 144 |
| Cost of funding earning assets | 0.4155% | 2,988 |
| Net interest margin | 5.4926% | 124 |
| Noninterest income to average assets | 0.7919% | 1,819 |
| Noninterest expense to average assets | 3.9834% | 689 |
| Loan and lease loss provision to assets | 0.1743% | 1,305 |
| Net operating income to assets | 1.4787% | 897 |
| Return on assets (ROA) | 1.4787% | 927 |
| Pretax return on assets | 1.4787% | 1,623 |
| Return on Equity (ROE) | 14.8182% | 716 |
| Retained earnings to average equity (ytd only) | 4.5570% | 2,737 |
| Net charge-offs to loans | 0.3038% | 991 |
| Credit loss provision to net charge-offs | 79.4258% | 2,964 |
| Earnings coverage of net charge-offs (x) | 7.5311% | 3,071 |
| Efficiency ratio | 70.6726% | 3,115 |
| Assets per employee ($millions) | 2.8244% | 5,676 |
| Cash dividends to net income (ytd only)* | 69.2472% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 3,200 |
| Loan loss allowance to noncurrent loans | 76.1905% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 1.4662% | 1,397 |
| Noncurrent loans to loans | 1.6354% | 1,396 |
| Net loans and leases to total assets | 69.9872% | 2,366 |
| Net loans and leases to deposits | 81.0643% | 2,701 |
| Net loans and leases to core deposits | 88.2470% | 2,576 |
| Total domestic deposits to total assets | 86.3354% | 2,470 |
| Equity capital to assets | 10.2948% | 3,631 |
| Core capital (leverage) ratio | 10.5189% | 2,908 |
| Tier 1 risk-based capital ratio | 15.8106% | 2,777 |
| Total risk-based capital ratio | 17.0620% | 2,711 |
| Memoranda: | ||
| Average total assets | $95,219,000 | 4,559 |
| Average earning assets | $83,986,400 | 4,631 |
| Average equity | $9,501,800 | 4,748 |
| Average total loans | $68,790,800 | 4,122 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9433% | 142 |
| Cost of funding earning assets | 0.4152% | 3,063 |
| Net interest margin | 5.5281% | 119 |
| Noninterest income to average assets | 0.7830% | 1,867 |
| Noninterest expense to average assets | 3.9375% | 712 |
| Loan and lease loss provision to assets | 0.1908% | 1,064 |
| Net operating income to assets | 1.5309% | 878 |
| Return on assets (ROA) | 1.5309% | 916 |
| Pretax return on assets | 1.5309% | 1,599 |
| Return on Equity (ROE) | 15.4653% | 668 |
| Retained earnings to average equity (ytd only) | 1.6443% | 5,045 |
| Net charge-offs to loans | 0.3595% | 730 |
| Credit loss provision to net charge-offs | 73.1183% | 2,714 |
| Earnings coverage of net charge-offs (x) | 6.5969% | 3,027 |
| Efficiency ratio | 69.5760% | 3,276 |
| Assets per employee ($millions) | 2.8326% | 5,724 |
| Cash dividends to net income (ytd only)* | 89.3677% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 3,348 |
| Loan loss allowance to noncurrent loans | 77.0852% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.4827% | 1,516 |
| Noncurrent loans to loans | 1.6252% | 1,520 |
| Net loans and leases to total assets | 70.9158% | 2,249 |
| Net loans and leases to deposits | 83.3072% | 2,485 |
| Net loans and leases to core deposits | 87.6771% | 2,687 |
| Total domestic deposits to total assets | 85.1258% | 2,960 |
| Equity capital to assets | 10.3116% | 3,799 |
| Core capital (leverage) ratio | 10.1961% | 3,376 |
| Tier 1 risk-based capital ratio | 13.5783% | 4,097 |
| Total risk-based capital ratio | 14.7692% | 4,058 |
| Memoranda: | ||
| Average total assets | $95,016,500 | 4,618 |
| Average earning assets | $83,812,500 | 4,695 |
| Average equity | $9,405,750 | 4,825 |
| Average total loans | $68,974,500 | 4,156 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9045% | 147 |
| Cost of funding earning assets | 0.4101% | 3,158 |
| Net interest margin | 5.4945% | 125 |
| Noninterest income to average assets | 0.7369% | 2,054 |
| Noninterest expense to average assets | 3.8857% | 780 |
| Loan and lease loss provision to assets | 0.2115% | 918 |
| Net operating income to assets | 1.4927% | 905 |
| Return on assets (ROA) | 1.4927% | 952 |
| Pretax return on assets | 1.4927% | 1,668 |
| Return on Equity (ROE) | 15.2873% | 698 |
| Retained earnings to average equity (ytd only) | -5.6175% | 6,044 |
| Net charge-offs to loans | 0.1811% | 1,372 |
| Credit loss provision to net charge-offs | 160.3175% | 1,465 |
| Earnings coverage of net charge-offs (x) | 12.9206% | 2,171 |
| Efficiency ratio | 69.5131% | 3,412 |
| Assets per employee ($millions) | 2.7936% | 5,819 |
| Cash dividends to net income (ytd only)* | 136.7461% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 3,102 |
| Loan loss allowance to noncurrent loans | 64.0690% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 1.6930% | 1,406 |
| Noncurrent loans to loans | 2.0710% | 1,164 |
| Net loans and leases to total assets | 72.7359% | 1,856 |
| Net loans and leases to deposits | 84.7338% | 2,217 |
| Net loans and leases to core deposits | 89.0570% | 2,443 |
| Total domestic deposits to total assets | 85.8405% | 2,778 |
| Equity capital to assets | 9.7018% | 4,395 |
| Core capital (leverage) ratio | 9.7504% | 3,939 |
| Tier 1 risk-based capital ratio | 12.7196% | 4,669 |
| Total risk-based capital ratio | 13.9693% | 4,593 |
| Memoranda: | ||
| Average total assets | $95,529,670 | 4,642 |
| Average earning assets | $84,376,000 | 4,727 |
| Average equity | $9,328,000 | 4,873 |
| Average total loans | $69,589,000 | 4,175 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8785% | 151 |
| Cost of funding earning assets | 0.4023% | 3,277 |
| Net interest margin | 5.4762% | 125 |
| Noninterest income to average assets | 0.6931% | 2,186 |
| Noninterest expense to average assets | 4.0541% | 646 |
| Loan and lease loss provision to assets | 0.1044% | 1,963 |
| Net operating income to assets | 1.3653% | 1,105 |
| Return on assets (ROA) | 1.3653% | 1,166 |
| Pretax return on assets | 1.3653% | 2,018 |
| Return on Equity (ROE) | 13.9379% | 892 |
| Retained earnings to average equity (ytd only) | -1.0230% | 5,558 |
| Net charge-offs to loans | 0.0404% | 2,418 |
| Credit loss provision to net charge-offs | 357.1429% | 718 |
| Earnings coverage of net charge-offs (x) | 50.2857% | 836 |
| Efficiency ratio | 73.3938% | 2,926 |
| Assets per employee ($millions) | 2.8867% | 5,795 |
| Cash dividends to net income (ytd only)* | 107.3394% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 3,391 |
| Loan loss allowance to noncurrent loans | 86.2429% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 1.1358% | 2,367 |
| Noncurrent loans to loans | 1.5094% | 1,869 |
| Net loans and leases to total assets | 72.3489% | 1,752 |
| Net loans and leases to deposits | 84.2833% | 2,032 |
| Net loans and leases to core deposits | 88.9464% | 2,230 |
| Total domestic deposits to total assets | 85.8401% | 3,018 |
| Equity capital to assets | 9.8161% | 4,371 |
| Core capital (leverage) ratio | 10.0268% | 3,564 |
| Tier 1 risk-based capital ratio | 13.1342% | 4,540 |
| Total risk-based capital ratio | 14.3838% | 4,455 |
| Memoranda: | ||
| Average total assets | $95,803,500 | 4,671 |
| Average earning assets | $84,511,500 | 4,761 |
| Average equity | $9,384,500 | 4,899 |
| Average total loans | $69,376,000 | 4,195 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9679% | 164 |
| Cost of funding earning assets | 0.4191% | 3,486 |
| Net interest margin | 5.5488% | 123 |
| Noninterest income to average assets | 0.7112% | 2,249 |
| Noninterest expense to average assets | 4.1614% | 627 |
| Loan and lease loss provision to assets | 0.2487% | 922 |
| Net operating income to assets | 1.2192% | 1,528 |
| Return on assets (ROA) | 1.2192% | 1,581 |
| Pretax return on assets | 1.2192% | 2,575 |
| Return on Equity (ROE) | 12.7310% | 1,202 |
| Retained earnings to average equity (ytd only) | 6.2218% | 1,794 |
| Net charge-offs to loans | 0.1643% | 2,387 |
| Credit loss provision to net charge-offs | 209.8214% | 1,181 |
| Earnings coverage of net charge-offs (x) | 12.3839% | 2,381 |
| Efficiency ratio | 73.9237% | 2,852 |
| Assets per employee ($millions) | 2.9195% | 5,803 |
| Cash dividends to net income (ytd only)* | 51.1285% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 3,462 |
| Loan loss allowance to noncurrent loans | 78.3641% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 1.3701% | 2,037 |
| Noncurrent loans to loans | 1.6497% | 1,774 |
| Net loans and leases to total assets | 70.6119% | 2,140 |
| Net loans and leases to deposits | 82.1432% | 2,451 |
| Net loans and leases to core deposits | 86.6438% | 2,636 |
| Total domestic deposits to total assets | 85.9619% | 2,862 |
| Equity capital to assets | 9.7753% | 4,389 |
| Core capital (leverage) ratio | 10.1293% | 3,396 |
| Tier 1 risk-based capital ratio | 12.6271% | 4,959 |
| Total risk-based capital ratio | 13.8148% | 4,912 |
| Memoranda: | ||
| Average total assets | $94,486,600 | 4,740 |
| Average earning assets | $83,748,200 | 4,797 |
| Average equity | $9,048,800 | 4,964 |
| Average total loans | $68,166,600 | 4,232 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0216% | 151 |
| Cost of funding earning assets | 0.4186% | 3,594 |
| Net interest margin | 5.6030% | 121 |
| Noninterest income to average assets | 0.7289% | 2,191 |
| Noninterest expense to average assets | 4.1706% | 628 |
| Loan and lease loss provision to assets | 0.2978% | 662 |
| Net operating income to assets | 1.2337% | 1,568 |
| Return on assets (ROA) | 1.2337% | 1,626 |
| Pretax return on assets | 1.2337% | 2,638 |
| Return on Equity (ROE) | 12.9512% | 1,230 |
| Retained earnings to average equity (ytd only) | 4.1831% | 3,675 |
| Net charge-offs to loans | 0.1922% | 1,926 |
| Credit loss provision to net charge-offs | 214.2857% | 1,194 |
| Earnings coverage of net charge-offs (x) | 11.0207% | 2,478 |
| Efficiency ratio | 73.1410% | 2,969 |
| Assets per employee ($millions) | 2.8385% | 5,924 |
| Cash dividends to net income (ytd only)* | 67.7009% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 3,642 |
| Loan loss allowance to noncurrent loans | 119.8126% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.9929% | 2,966 |
| Noncurrent loans to loans | 1.0856% | 2,902 |
| Net loans and leases to total assets | 72.5064% | 1,763 |
| Net loans and leases to deposits | 84.4338% | 2,092 |
| Net loans and leases to core deposits | 89.2012% | 2,296 |
| Total domestic deposits to total assets | 85.8737% | 2,918 |
| Equity capital to assets | 9.7300% | 4,513 |
| Core capital (leverage) ratio | 9.8439% | 3,880 |
| Tier 1 risk-based capital ratio | 12.6044% | 5,109 |
| Total risk-based capital ratio | 13.8318% | 5,051 |
| Memoranda: | ||
| Average total assets | $94,022,000 | 4,797 |
| Average earning assets | $83,453,500 | 4,857 |
| Average equity | $8,956,500 | 5,021 |
| Average total loans | $67,977,750 | 4,278 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9515% | 160 |
| Cost of funding earning assets | 0.4234% | 3,616 |
| Net interest margin | 5.5281% | 131 |
| Noninterest income to average assets | 0.7330% | 2,130 |
| Noninterest expense to average assets | 4.1640% | 627 |
| Loan and lease loss provision to assets | 0.2443% | 911 |
| Net operating income to assets | 1.2343% | 1,493 |
| Return on assets (ROA) | 1.2343% | 1,556 |
| Pretax return on assets | 1.2343% | 2,524 |
| Return on Equity (ROE) | 13.0503% | 1,160 |
| Retained earnings to average equity (ytd only) | -0.1797% | 5,715 |
| Net charge-offs to loans | 0.2570% | 1,524 |
| Credit loss provision to net charge-offs | 132.1839% | 1,593 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,546 |
| Efficiency ratio | 73.7952% | 3,009 |
| Assets per employee ($millions) | 2.6491% | 6,168 |
| Cash dividends to net income (ytd only)* | 101.3769% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 4,668 |
| Loan loss allowance to noncurrent loans | 90.7640% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.1432% | 2,790 |
| Noncurrent loans to loans | 1.2657% | 2,692 |
| Net loans and leases to total assets | 73.8705% | 1,462 |
| Net loans and leases to deposits | 85.2071% | 1,899 |
| Net loans and leases to core deposits | 90.0879% | 2,119 |
| Total domestic deposits to total assets | 86.6953% | 2,638 |
| Equity capital to assets | 9.5849% | 4,645 |
| Core capital (leverage) ratio | 9.5322% | 4,278 |
| Tier 1 risk-based capital ratio | 12.6492% | 5,124 |
| Total risk-based capital ratio | 13.7801% | 5,133 |
| Memoranda: | ||
| Average total assets | $94,139,670 | 4,822 |
| Average earning assets | $83,608,670 | 4,882 |
| Average equity | $8,904,000 | 5,052 |
| Average total loans | $67,700,000 | 4,306 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8133% | 183 |
| Cost of funding earning assets | 0.4417% | 3,521 |
| Net interest margin | 5.3716% | 151 |
| Noninterest income to average assets | 0.7338% | 2,021 |
| Noninterest expense to average assets | 4.1286% | 651 |
| Loan and lease loss provision to assets | 0.1054% | 2,162 |
| Net operating income to assets | 1.2694% | 1,297 |
| Return on assets (ROA) | 1.2694% | 1,349 |
| Pretax return on assets | 1.2694% | 2,216 |
| Return on Equity (ROE) | 13.5091% | 1,037 |
| Retained earnings to average equity (ytd only) | 12.8359% | 503 |
| Net charge-offs to loans | 0.1016% | 2,153 |
| Credit loss provision to net charge-offs | 147.0588% | 1,279 |
| Earnings coverage of net charge-offs (x) | 19.1765% | 1,385 |
| Efficiency ratio | 75.0192% | 2,967 |
| Assets per employee ($millions) | 2.8865% | 5,989 |
| Cash dividends to net income (ytd only)* | 4.9834% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 4,948 |
| Loan loss allowance to noncurrent loans | 180.8858% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.6425% | 4,212 |
| Noncurrent loans to loans | 0.6282% | 4,297 |
| Net loans and leases to total assets | 70.8795% | 1,742 |
| Net loans and leases to deposits | 79.5469% | 2,359 |
| Net loans and leases to core deposits | 83.8502% | 2,533 |
| Total domestic deposits to total assets | 89.1041% | 1,586 |
| Equity capital to assets | 9.5070% | 4,492 |
| Core capital (leverage) ratio | 9.8263% | 3,825 |
| Tier 1 risk-based capital ratio | 12.1848% | 5,519 |
| Total risk-based capital ratio | 13.2130% | 5,600 |
| Memoranda: | ||
| Average total assets | $94,850,000 | 4,846 |
| Average earning assets | $84,220,500 | 4,908 |
| Average equity | $8,912,500 | 5,073 |
| Average total loans | $66,906,000 | 4,361 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9806% | 178 |
| Cost of funding earning assets | 0.5050% | 3,558 |
| Net interest margin | 5.4756% | 144 |
| Noninterest income to average assets | 0.7902% | 2,126 |
| Noninterest expense to average assets | 4.4144% | 565 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1657% | 1,697 |
| Return on assets (ROA) | 1.1657% | 1,758 |
| Pretax return on assets | 1.1657% | 2,706 |
| Return on Equity (ROE) | 12.4159% | 1,304 |
| Retained earnings to average equity (ytd only) | 4.0693% | 3,288 |
| Net charge-offs to loans | 0.1246% | 3,562 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 13.0976% | 2,063 |
| Efficiency ratio | 79.1091% | 2,301 |
| Assets per employee ($millions) | 2.7778% | 6,139 |
| Cash dividends to net income (ytd only)* | 67.2253% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 4,800 |
| Loan loss allowance to noncurrent loans | 181.5603% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.6417% | 4,310 |
| Noncurrent loans to loans | 0.6456% | 4,365 |
| Net loans and leases to total assets | 68.5602% | 2,245 |
| Net loans and leases to deposits | 76.5994% | 2,903 |
| Net loans and leases to core deposits | 80.9165% | 3,020 |
| Total domestic deposits to total assets | 89.5049% | 1,333 |
| Equity capital to assets | 9.2849% | 4,705 |
| Core capital (leverage) ratio | 9.8117% | 3,826 |
| Tier 1 risk-based capital ratio | 12.1883% | 5,503 |
| Total risk-based capital ratio | 12.2717% | 6,106 |
| Memoranda: | ||
| Average total assets | $92,130,800 | 4,929 |
| Average earning assets | $80,593,400 | 5,023 |
| Average equity | $8,650,200 | 5,173 |
| Average total loans | $65,790,000 | 4,417 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0182% | 175 |
| Cost of funding earning assets | 0.5145% | 3,627 |
| Net interest margin | 5.5037% | 133 |
| Noninterest income to average assets | 0.8184% | 2,064 |
| Noninterest expense to average assets | 4.4374% | 553 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1796% | 1,699 |
| Return on assets (ROA) | 1.1796% | 1,773 |
| Pretax return on assets | 1.1796% | 2,784 |
| Return on Equity (ROE) | 12.5279% | 1,348 |
| Retained earnings to average equity (ytd only) | 1.3611% | 5,439 |
| Net charge-offs to loans | 0.1397% | 3,141 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 11.7388% | 2,205 |
| Efficiency ratio | 78.9992% | 2,260 |
| Assets per employee ($millions) | 2.7099% | 6,269 |
| Cash dividends to net income (ytd only)* | 89.1358% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 5,154 |
| Loan loss allowance to noncurrent loans | 206.6138% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.4407% | 5,106 |
| Noncurrent loans to loans | 0.5524% | 4,817 |
| Net loans and leases to total assets | 73.4273% | 1,380 |
| Net loans and leases to deposits | 81.9014% | 2,151 |
| Net loans and leases to core deposits | 88.0692% | 2,183 |
| Total domestic deposits to total assets | 89.6533% | 1,194 |
| Equity capital to assets | 9.1430% | 5,005 |
| Core capital (leverage) ratio | 9.5882% | 4,268 |
| Tier 1 risk-based capital ratio | 11.2399% | 6,173 |
| Total risk-based capital ratio | 12.2551% | 6,244 |
| Memoranda: | ||
| Average total assets | $91,552,500 | 4,986 |
| Average earning assets | $79,822,500 | 5,094 |
| Average equity | $8,620,500 | 5,236 |
| Average total loans | $65,857,750 | 4,452 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9615% | 191 |
| Cost of funding earning assets | 0.5268% | 3,638 |
| Net interest margin | 5.4347% | 150 |
| Noninterest income to average assets | 0.8757% | 1,908 |
| Noninterest expense to average assets | 4.4616% | 547 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1340% | 1,798 |
| Return on assets (ROA) | 1.1340% | 1,911 |
| Pretax return on assets | 1.1340% | 2,957 |
| Return on Equity (ROE) | 11.9272% | 1,517 |
| Retained earnings to average equity (ytd only) | -4.6972% | 6,437 |
| Net charge-offs to loans | 0.1908% | 2,611 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 8.3548% | 2,407 |
| Efficiency ratio | 79.7340% | 2,197 |
| Assets per employee ($millions) | 2.8824% | 6,048 |
| Cash dividends to net income (ytd only)* | 139.3822% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 5,039 |
| Loan loss allowance to noncurrent loans | 66.0457% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 1.3108% | 3,157 |
| Noncurrent loans to loans | 1.8015% | 2,641 |
| Net loans and leases to total assets | 70.2275% | 1,847 |
| Net loans and leases to deposits | 79.0344% | 2,455 |
| Net loans and leases to core deposits | 87.7151% | 2,140 |
| Total domestic deposits to total assets | 88.8568% | 1,706 |
| Equity capital to assets | 9.0886% | 5,119 |
| Core capital (leverage) ratio | 9.2757% | 4,587 |
| Tier 1 risk-based capital ratio | 11.7071% | 5,992 |
| Total risk-based capital ratio | 12.8000% | 6,041 |
| Memoranda: | ||
| Average total assets | $91,358,000 | 5,027 |
| Average earning assets | $79,342,670 | 5,136 |
| Average equity | $8,686,000 | 5,251 |
| Average total loans | $64,999,000 | 4,501 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8503% | 215 |
| Cost of funding earning assets | 0.5406% | 3,668 |
| Net interest margin | 5.3098% | 169 |
| Noninterest income to average assets | 1.0471% | 1,349 |
| Noninterest expense to average assets | 4.4963% | 539 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1747% | 1,597 |
| Return on assets (ROA) | 1.1747% | 1,710 |
| Pretax return on assets | 1.1747% | 2,669 |
| Return on Equity (ROE) | 12.0849% | 1,397 |
| Retained earnings to average equity (ytd only) | 11.5417% | 768 |
| Net charge-offs to loans | 0.0556% | 3,271 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 29.6667% | 963 |
| Efficiency ratio | 79.2863% | 2,429 |
| Assets per employee ($millions) | 2.6189% | 6,478 |
| Cash dividends to net income (ytd only)* | 4.4944% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 4,829 |
| Loan loss allowance to noncurrent loans | 251.3678% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 5,422 |
| Noncurrent loans to loans | 0.5067% | 5,162 |
| Net loans and leases to total assets | 69.9400% | 1,669 |
| Net loans and leases to deposits | 79.1982% | 2,187 |
| Net loans and leases to core deposits | 86.8894% | 2,024 |
| Total domestic deposits to total assets | 88.3101% | 2,121 |
| Equity capital to assets | 9.7458% | 4,506 |
| Core capital (leverage) ratio | 9.9097% | 3,515 |
| Tier 1 risk-based capital ratio | 12.3806% | 5,656 |
| Total risk-based capital ratio | 13.5424% | 5,679 |
| Memoranda: | ||
| Average total assets | $90,919,000 | 5,077 |
| Average earning assets | $79,175,000 | 5,180 |
| Average equity | $8,837,500 | 5,261 |
| Average total loans | $64,721,000 | 4,534 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4772% | 131 |
| Cost of funding earning assets | 0.7332% | 3,223 |
| Net interest margin | 5.7439% | 119 |
| Noninterest income to average assets | 0.8675% | 1,963 |
| Noninterest expense to average assets | 4.4919% | 586 |
| Loan and lease loss provision to assets | 0.1361% | 3,919 |
| Net operating income to assets | 1.2055% | 1,588 |
| Return on assets (ROA) | 1.5389% | 932 |
| Pretax return on assets | 1.5389% | 1,563 |
| Return on Equity (ROE) | 15.9564% | 669 |
| Retained earnings to average equity (ytd only) | 10.3476% | 535 |
| Net charge-offs to loans | 0.0584% | 5,112 |
| Credit loss provision to net charge-offs | 315.7895% | 771 |
| Earnings coverage of net charge-offs (x) | 31.1316% | 978 |
| Efficiency ratio | 77.0023% | 2,592 |
| Assets per employee ($millions) | 2.6523% | 6,479 |
| Cash dividends to net income (ytd only)* | 35.1511% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2960% | 4,651 |
| Loan loss allowance to noncurrent loans | 147.4427% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 1.0379% | 3,955 |
| Noncurrent loans to loans | 0.8790% | 4,419 |
| Net loans and leases to total assets | 70.6070% | 1,728 |
| Net loans and leases to deposits | 79.8385% | 2,305 |
| Net loans and leases to core deposits | 87.0443% | 2,185 |
| Total domestic deposits to total assets | 88.4373% | 1,939 |
| Equity capital to assets | 9.6942% | 4,594 |
| Core capital (leverage) ratio | 9.9072% | 3,530 |
| Tier 1 risk-based capital ratio | 11.7113% | 5,951 |
| Total risk-based capital ratio | 12.8552% | 5,990 |
| Memoranda: | ||
| Average total assets | $88,181,600 | 5,137 |
| Average earning assets | $76,237,000 | 5,235 |
| Average equity | $8,504,400 | 5,362 |
| Average total loans | $65,023,600 | 4,543 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5399% | 134 |
| Cost of funding earning assets | 0.7707% | 3,178 |
| Net interest margin | 5.7692% | 128 |
| Noninterest income to average assets | 0.8956% | 1,843 |
| Noninterest expense to average assets | 4.1376% | 789 |
| Loan and lease loss provision to assets | 0.1825% | 3,313 |
| Net operating income to assets | 1.5723% | 910 |
| Return on assets (ROA) | 2.0194% | 417 |
| Pretax return on assets | 2.0194% | 675 |
| Return on Equity (ROE) | 20.9665% | 282 |
| Retained earnings to average equity (ytd only) | 13.4356% | 358 |
| Net charge-offs to loans | 0.0205% | 5,386 |
| Credit loss provision to net charge-offs | 1,200.0000% | 228 |
| Earnings coverage of net charge-offs (x) | 115.4261% | 373 |
| Efficiency ratio | 70.2194% | 3,649 |
| Assets per employee ($millions) | 2.4404% | 6,748 |
| Cash dividends to net income (ytd only)* | 35.9185% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3346% | 4,653 |
| Loan loss allowance to noncurrent loans | 219.8473% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.8921% | 4,502 |
| Noncurrent loans to loans | 0.6070% | 5,223 |
| Net loans and leases to total assets | 74.7840% | 1,134 |
| Net loans and leases to deposits | 84.7319% | 1,771 |
| Net loans and leases to core deposits | 93.1857% | 1,666 |
| Total domestic deposits to total assets | 88.2595% | 1,872 |
| Equity capital to assets | 10.2267% | 4,170 |
| Core capital (leverage) ratio | 9.8942% | 3,695 |
| Tier 1 risk-based capital ratio | 11.8466% | 6,028 |
| Total risk-based capital ratio | 13.0465% | 6,037 |
| Memoranda: | ||
| Average total assets | $87,682,500 | 5,195 |
| Average earning assets | $75,942,000 | 5,294 |
| Average equity | $8,445,000 | 5,427 |
| Average total loans | $65,152,500 | 4,592 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4826% | 150 |
| Cost of funding earning assets | 0.7953% | 3,223 |
| Net interest margin | 5.6872% | 137 |
| Noninterest income to average assets | 0.9046% | 1,772 |
| Noninterest expense to average assets | 4.1249% | 812 |
| Loan and lease loss provision to assets | 0.2261% | 2,815 |
| Net operating income to assets | 1.4858% | 1,016 |
| Return on assets (ROA) | 1.4858% | 1,139 |
| Pretax return on assets | 1.4858% | 1,890 |
| Return on Equity (ROE) | 15.7397% | 808 |
| Retained earnings to average equity (ytd only) | 4.3362% | 3,728 |
| Net charge-offs to loans | 0.0368% | 4,866 |
| Credit loss provision to net charge-offs | 833.3333% | 385 |
| Earnings coverage of net charge-offs (x) | 63.0833% | 611 |
| Efficiency ratio | 70.6703% | 3,661 |
| Assets per employee ($millions) | 2.5596% | 6,705 |
| Cash dividends to net income (ytd only)* | 72.4505% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2834% | 4,965 |
| Loan loss allowance to noncurrent loans | 421.0000% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.6351% | 5,186 |
| Noncurrent loans to loans | 0.3049% | 5,950 |
| Net loans and leases to total assets | 72.2925% | 1,515 |
| Net loans and leases to deposits | 82.0452% | 2,107 |
| Net loans and leases to core deposits | 91.3121% | 1,837 |
| Total domestic deposits to total assets | 88.1131% | 2,067 |
| Equity capital to assets | 9.3698% | 5,234 |
| Core capital (leverage) ratio | 9.0849% | 4,789 |
| Tier 1 risk-based capital ratio | 11.1979% | 6,407 |
| Total risk-based capital ratio | 12.3974% | 6,409 |
| Memoranda: | ||
| Average total assets | $88,438,670 | 5,213 |
| Average earning assets | $76,698,000 | 5,308 |
| Average equity | $8,348,330 | 5,464 |
| Average total loans | $65,290,000 | 4,595 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5302% | 153 |
| Cost of funding earning assets | 0.8071% | 3,420 |
| Net interest margin | 5.7231% | 135 |
| Noninterest income to average assets | 0.8923% | 1,778 |
| Noninterest expense to average assets | 3.9515% | 994 |
| Loan and lease loss provision to assets | 0.2959% | 2,110 |
| Net operating income to assets | 1.6161% | 838 |
| Return on assets (ROA) | 1.6161% | 941 |
| Pretax return on assets | 1.6161% | 1,520 |
| Return on Equity (ROE) | 17.0560% | 660 |
| Retained earnings to average equity (ytd only) | 16.5275% | 337 |
| Net charge-offs to loans | 0.0368% | 4,183 |
| Credit loss provision to net charge-offs | 1,083.3333% | 319 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 476 |
| Efficiency ratio | 67.3913% | 4,290 |
| Assets per employee ($millions) | 2.6405% | 6,702 |
| Cash dividends to net income (ytd only)* | 3.0986% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 5,310 |
| Loan loss allowance to noncurrent loans | 320.0787% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.7150% | 5,119 |
| Noncurrent loans to loans | 0.3877% | 5,901 |
| Net loans and leases to total assets | 74.2601% | 1,022 |
| Net loans and leases to deposits | 86.0639% | 1,411 |
| Net loans and leases to core deposits | 97.0411% | 1,197 |
| Total domestic deposits to total assets | 86.2848% | 3,369 |
| Equity capital to assets | 9.7766% | 4,416 |
| Core capital (leverage) ratio | 9.3635% | 4,255 |
| Tier 1 risk-based capital ratio | 11.5585% | 6,247 |
| Total risk-based capital ratio | 12.7298% | 6,279 |
| Memoranda: | ||
| Average total assets | $87,865,000 | 5,274 |
| Average earning assets | $76,322,500 | 5,354 |
| Average equity | $8,325,500 | 5,490 |
| Average total loans | $65,132,000 | 4,613 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3198% | 247 |
| Cost of funding earning assets | 0.9284% | 3,892 |
| Net interest margin | 5.3914% | 208 |
| Noninterest income to average assets | 0.8936% | 1,691 |
| Noninterest expense to average assets | 4.0910% | 918 |
| Loan and lease loss provision to assets | 0.4148% | 2,518 |
| Net operating income to assets | 1.1022% | 1,821 |
| Return on assets (ROA) | 1.1022% | 1,938 |
| Pretax return on assets | 1.1022% | 2,825 |
| Return on Equity (ROE) | 11.8701% | 1,443 |
| Retained earnings to average equity (ytd only) | 4.1609% | 3,221 |
| Net charge-offs to loans | 0.3836% | 3,491 |
| Credit loss provision to net charge-offs | 145.8333% | 1,967 |
| Earnings coverage of net charge-offs (x) | 5.3333% | 2,827 |
| Efficiency ratio | 72.9501% | 3,401 |
| Assets per employee ($millions) | 2.6057% | 6,710 |
| Cash dividends to net income (ytd only)* | 64.9462% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 5,563 |
| Loan loss allowance to noncurrent loans | 162.8510% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.9222% | 4,766 |
| Noncurrent loans to loans | 0.7151% | 5,268 |
| Net loans and leases to total assets | 72.2281% | 1,606 |
| Net loans and leases to deposits | 82.8229% | 2,089 |
| Net loans and leases to core deposits | 90.2232% | 2,097 |
| Total domestic deposits to total assets | 87.2078% | 2,642 |
| Equity capital to assets | 9.1791% | 5,322 |
| Core capital (leverage) ratio | 9.2190% | 4,438 |
| Tier 1 risk-based capital ratio | 10.8950% | 6,510 |
| Total risk-based capital ratio | 11.9648% | 6,571 |
| Memoranda: | ||
| Average total assets | $84,380,200 | 5,327 |
| Average earning assets | $73,783,600 | 5,406 |
| Average equity | $7,834,800 | 5,619 |
| Average total loans | $62,562,200 | 4,774 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2569% | 291 |
| Cost of funding earning assets | 0.9375% | 4,133 |
| Net interest margin | 5.3193% | 239 |
| Noninterest income to average assets | 0.9168% | 1,589 |
| Noninterest expense to average assets | 4.0546% | 942 |
| Loan and lease loss provision to assets | 0.4480% | 2,230 |
| Net operating income to assets | 1.0897% | 2,011 |
| Return on assets (ROA) | 1.0897% | 2,152 |
| Pretax return on assets | 1.0897% | 3,057 |
| Return on Equity (ROE) | 11.7000% | 1,621 |
| Retained earnings to average equity (ytd only) | 4.7590% | 3,344 |
| Net charge-offs to loans | 0.5117% | 2,713 |
| Credit loss provision to net charge-offs | 117.6471% | 2,775 |
| Earnings coverage of net charge-offs (x) | 4.0378% | 3,200 |
| Efficiency ratio | 72.5036% | 3,456 |
| Assets per employee ($millions) | 2.5124% | 6,871 |
| Cash dividends to net income (ytd only)* | 59.3240% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 5,975 |
| Loan loss allowance to noncurrent loans | 266.9261% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.7153% | 5,369 |
| Noncurrent loans to loans | 0.4025% | 6,045 |
| Net loans and leases to total assets | 73.9426% | 1,329 |
| Net loans and leases to deposits | 85.4064% | 1,774 |
| Net loans and leases to core deposits | 96.6017% | 1,542 |
| Total domestic deposits to total assets | 86.5774% | 2,890 |
| Equity capital to assets | 9.5829% | 4,953 |
| Core capital (leverage) ratio | 9.2223% | 4,587 |
| Tier 1 risk-based capital ratio | 11.3456% | 6,331 |
| Total risk-based capital ratio | 12.3656% | 6,460 |
| Memoranda: | ||
| Average total assets | $83,327,000 | 5,397 |
| Average earning assets | $73,240,500 | 5,473 |
| Average equity | $7,760,500 | 5,672 |
| Average total loans | $62,017,000 | 4,831 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1681% | 346 |
| Cost of funding earning assets | 1.0814% | 3,378 |
| Net interest margin | 5.0868% | 342 |
| Noninterest income to average assets | 0.9319% | 1,527 |
| Noninterest expense to average assets | 4.0253% | 1,009 |
| Loan and lease loss provision to assets | 0.3752% | 2,544 |
| Net operating income to assets | 0.9948% | 2,249 |
| Return on assets (ROA) | 0.9948% | 2,354 |
| Pretax return on assets | 0.9948% | 3,257 |
| Return on Equity (ROE) | 10.7893% | 1,871 |
| Retained earnings to average equity (ytd only) | 0.1838% | 5,767 |
| Net charge-offs to loans | 0.7719% | 1,958 |
| Credit loss provision to net charge-offs | 65.4008% | 4,191 |
| Earnings coverage of net charge-offs (x) | 2.3882% | 3,625 |
| Efficiency ratio | 74.6074% | 3,251 |
| Assets per employee ($millions) | 2.6235% | 6,751 |
| Cash dividends to net income (ytd only)* | 98.2968% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9015% | 6,652 |
| Loan loss allowance to noncurrent loans | 242.2414% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.7147% | 5,476 |
| Noncurrent loans to loans | 0.3721% | 6,160 |
| Net loans and leases to total assets | 73.5929% | 1,488 |
| Net loans and leases to deposits | 82.3969% | 2,391 |
| Net loans and leases to core deposits | 93.4335% | 1,969 |
| Total domestic deposits to total assets | 89.3152% | 1,351 |
| Equity capital to assets | 9.1899% | 5,296 |
| Core capital (leverage) ratio | 9.0065% | 4,712 |
| Tier 1 risk-based capital ratio | 11.0285% | 6,505 |
| Total risk-based capital ratio | 11.8708% | 6,734 |
| Memoranda: | ||
| Average total assets | $82,628,330 | 5,467 |
| Average earning assets | $72,501,670 | 5,540 |
| Average equity | $7,618,670 | 5,730 |
| Average total loans | $61,406,000 | 4,896 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2552% | 305 |
| Cost of funding earning assets | 1.0937% | 3,567 |
| Net interest margin | 5.1615% | 272 |
| Noninterest income to average assets | 0.9516% | 1,463 |
| Noninterest expense to average assets | 3.8308% | 1,288 |
| Loan and lease loss provision to assets | 0.3416% | 2,516 |
| Net operating income to assets | 1.2932% | 1,284 |
| Return on assets (ROA) | 1.2932% | 1,328 |
| Pretax return on assets | 1.2932% | 2,061 |
| Return on Equity (ROE) | 14.0017% | 994 |
| Retained earnings to average equity (ytd only) | 13.5262% | 522 |
| Net charge-offs to loans | 0.2101% | 3,255 |
| Credit loss provision to net charge-offs | 218.7500% | 1,385 |
| Earnings coverage of net charge-offs (x) | 10.4688% | 1,633 |
| Efficiency ratio | 70.0893% | 4,252 |
| Assets per employee ($millions) | 2.5570% | 6,905 |
| Cash dividends to net income (ytd only)* | 3.3962% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1264% | 5,952 |
| Loan loss allowance to noncurrent loans | 82.7670% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 1.0987% | 4,725 |
| Noncurrent loans to loans | 1.3610% | 4,437 |
| Net loans and leases to total assets | 73.1607% | 1,487 |
| Net loans and leases to deposits | 83.2911% | 2,136 |
| Net loans and leases to core deposits | 93.4615% | 1,960 |
| Total domestic deposits to total assets | 87.8373% | 2,468 |
| Equity capital to assets | 9.3970% | 4,575 |
| Core capital (leverage) ratio | 9.3974% | 3,968 |
| Tier 1 risk-based capital ratio | 11.6314% | 5,998 |
| Total risk-based capital ratio | 12.6739% | 6,146 |
| Memoranda: | ||
| Average total assets | $81,967,000 | 5,523 |
| Average earning assets | $71,684,500 | 5,613 |
| Average equity | $7,570,500 | 5,753 |
| Average total loans | $60,937,000 | 4,964 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7101% | 229 |
| Cost of funding earning assets | 1.1906% | 4,620 |
| Net interest margin | 5.5195% | 168 |
| Noninterest income to average assets | 1.0582% | 1,337 |
| Noninterest expense to average assets | 4.2652% | 845 |
| Loan and lease loss provision to assets | 0.3914% | 3,769 |
| Net operating income to assets | 1.1945% | 1,428 |
| Return on assets (ROA) | 1.1945% | 1,510 |
| Pretax return on assets | 1.1945% | 2,244 |
| Return on Equity (ROE) | 12.4259% | 1,234 |
| Retained earnings to average equity (ytd only) | 7.8768% | 1,020 |
| Net charge-offs to loans | 0.2346% | 4,874 |
| Credit loss provision to net charge-offs | 216.4179% | 1,398 |
| Earnings coverage of net charge-offs (x) | 8.7687% | 1,926 |
| Efficiency ratio | 72.8950% | 3,618 |
| Assets per employee ($millions) | 2.5659% | 6,912 |
| Cash dividends to net income (ytd only)* | 36.6102% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 6,147 |
| Loan loss allowance to noncurrent loans | 157.0732% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.6102% | 5,802 |
| Noncurrent loans to loans | 0.6685% | 5,709 |
| Net loans and leases to total assets | 73.9070% | 1,679 |
| Net loans and leases to deposits | 83.7601% | 2,492 |
| Net loans and leases to core deposits | 93.8655% | 2,275 |
| Total domestic deposits to total assets | 88.2365% | 2,103 |
| Equity capital to assets | 9.0756% | 5,031 |
| Core capital (leverage) ratio | 9.9737% | 3,126 |
| Tier 1 risk-based capital ratio | 11.4142% | 5,981 |
| Total risk-based capital ratio | 12.4138% | 6,181 |
| Memoranda: | ||
| Average total assets | $74,088,800 | 5,761 |
| Average earning assets | $64,335,400 | 5,848 |
| Average equity | $7,122,200 | 5,991 |
| Average total loans | $57,107,000 | 5,194 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7196% | 230 |
| Cost of funding earning assets | 1.1877% | 4,923 |
| Net interest margin | 5.5319% | 162 |
| Noninterest income to average assets | 1.0451% | 1,323 |
| Noninterest expense to average assets | 4.2912% | 749 |
| Loan and lease loss provision to assets | 0.3977% | 3,521 |
| Net operating income to assets | 1.1634% | 1,696 |
| Return on assets (ROA) | 1.1634% | 1,791 |
| Pretax return on assets | 1.1634% | 2,627 |
| Return on Equity (ROE) | 11.9131% | 1,530 |
| Retained earnings to average equity (ytd only) | 5.7766% | 2,492 |
| Net charge-offs to loans | 0.2688% | 4,335 |
| Credit loss provision to net charge-offs | 190.2655% | 1,892 |
| Earnings coverage of net charge-offs (x) | 7.4692% | 2,326 |
| Efficiency ratio | 73.3249% | 3,458 |
| Assets per employee ($millions) | 2.5760% | 6,980 |
| Cash dividends to net income (ytd only)* | 51.5102% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 6,516 |
| Loan loss allowance to noncurrent loans | 71.5152% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.5489% | 4,125 |
| Noncurrent loans to loans | 1.3569% | 4,597 |
| Net loans and leases to total assets | 77.9128% | 1,048 |
| Net loans and leases to deposits | 89.0050% | 1,858 |
| Net loans and leases to core deposits | 99.0427% | 1,937 |
| Total domestic deposits to total assets | 87.5375% | 2,239 |
| Equity capital to assets | 9.5031% | 4,838 |
| Core capital (leverage) ratio | 9.8482% | 3,436 |
| Tier 1 risk-based capital ratio | 11.2717% | 6,127 |
| Total risk-based capital ratio | 12.2089% | 6,399 |
| Memoranda: | ||
| Average total assets | $72,083,500 | 5,878 |
| Average earning assets | $62,641,250 | 5,969 |
| Average equity | $7,039,750 | 6,096 |
| Average total loans | $56,051,500 | 5,305 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7184% | 236 |
| Cost of funding earning assets | 1.1681% | 5,299 |
| Net interest margin | 5.5503% | 154 |
| Noninterest income to average assets | 1.0462% | 1,233 |
| Noninterest expense to average assets | 4.4036% | 645 |
| Loan and lease loss provision to assets | 0.3411% | 3,692 |
| Net operating income to assets | 1.1371% | 1,733 |
| Return on assets (ROA) | 1.1371% | 1,799 |
| Pretax return on assets | 1.1371% | 2,644 |
| Return on Equity (ROE) | 11.5302% | 1,590 |
| Retained earnings to average equity (ytd only) | 2.1907% | 4,751 |
| Net charge-offs to loans | 0.1542% | 4,711 |
| Credit loss provision to net charge-offs | 285.7143% | 1,301 |
| Earnings coverage of net charge-offs (x) | 12.3810% | 1,681 |
| Efficiency ratio | 74.8671% | 3,286 |
| Assets per employee ($millions) | 2.3699% | 7,267 |
| Cash dividends to net income (ytd only)* | 81.0000% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9735% | 6,510 |
| Loan loss allowance to noncurrent loans | 67.7033% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 1.5749% | 4,096 |
| Noncurrent loans to loans | 1.4378% | 4,557 |
| Net loans and leases to total assets | 78.3712% | 1,049 |
| Net loans and leases to deposits | 89.6978% | 1,912 |
| Net loans and leases to core deposits | 99.1954% | 2,102 |
| Total domestic deposits to total assets | 87.3726% | 2,339 |
| Equity capital to assets | 9.5485% | 4,637 |
| Core capital (leverage) ratio | 9.7319% | 3,495 |
| Tier 1 risk-based capital ratio | 11.8163% | 5,476 |
| Total risk-based capital ratio | 12.7901% | 5,702 |
| Memoranda: | ||
| Average total assets | $70,351,330 | 5,968 |
| Average earning assets | $61,294,330 | 6,052 |
| Average equity | $6,938,330 | 6,160 |
| Average total loans | $54,468,330 | 5,399 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7653% | 235 |
| Cost of funding earning assets | 1.1598% | 5,608 |
| Net interest margin | 5.6055% | 153 |
| Noninterest income to average assets | 1.0699% | 1,110 |
| Noninterest expense to average assets | 4.5179% | 569 |
| Loan and lease loss provision to assets | 0.2617% | 3,947 |
| Net operating income to assets | 1.1803% | 1,595 |
| Return on assets (ROA) | 1.1803% | 1,678 |
| Pretax return on assets | 1.1803% | 2,438 |
| Return on Equity (ROE) | 11.7681% | 1,557 |
| Retained earnings to average equity (ytd only) | 11.3623% | 855 |
| Net charge-offs to loans | 0.0760% | 4,655 |
| Credit loss provision to net charge-offs | 450.0000% | 932 |
| Earnings coverage of net charge-offs (x) | 24.8000% | 1,001 |
| Efficiency ratio | 75.8049% | 3,250 |
| Assets per employee ($millions) | 2.2113% | 7,535 |
| Cash dividends to net income (ytd only)* | 3.4483% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 6,640 |
| Loan loss allowance to noncurrent loans | 73.5584% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.4853% | 4,285 |
| Noncurrent loans to loans | 1.3072% | 4,796 |
| Net loans and leases to total assets | 76.1295% | 1,516 |
| Net loans and leases to deposits | 84.9109% | 2,784 |
| Net loans and leases to core deposits | 93.5552% | 2,897 |
| Total domestic deposits to total assets | 89.6581% | 1,153 |
| Equity capital to assets | 9.9617% | 3,915 |
| Core capital (leverage) ratio | 10.1639% | 2,967 |
| Tier 1 risk-based capital ratio | 12.5751% | 4,667 |
| Total risk-based capital ratio | 13.5163% | 4,899 |
| Memoranda: | ||
| Average total assets | $68,793,500 | 6,076 |
| Average earning assets | $60,012,000 | 6,171 |
| Average equity | $6,900,000 | 6,225 |
| Average total loans | $52,631,000 | 5,553 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0521% | 259 |
| Cost of funding earning assets | 1.4715% | 5,628 |
| Net interest margin | 5.5806% | 175 |
| Noninterest income to average assets | 1.0653% | 1,353 |
| Noninterest expense to average assets | 4.3042% | 984 |
| Loan and lease loss provision to assets | 0.5080% | 3,834 |
| Net operating income to assets | 1.0052% | 1,822 |
| Return on assets (ROA) | 1.0052% | 1,870 |
| Pretax return on assets | 1.0052% | 2,574 |
| Return on Equity (ROE) | 9.5939% | 1,821 |
| Retained earnings to average equity (ytd only) | -1.0284% | 5,267 |
| Net charge-offs to loans | 0.5662% | 3,523 |
| Credit loss provision to net charge-offs | 123.5955% | 4,267 |
| Earnings coverage of net charge-offs (x) | 3.6816% | 3,245 |
| Efficiency ratio | 73.9878% | 3,897 |
| Assets per employee ($millions) | 2.1557% | 7,609 |
| Cash dividends to net income (ytd only)* | 110.7198% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 6,582 |
| Loan loss allowance to noncurrent loans | 224.8848% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.8051% | 5,492 |
| Noncurrent loans to loans | 0.4266% | 6,413 |
| Net loans and leases to total assets | 75.3913% | 1,948 |
| Net loans and leases to deposits | 84.1957% | 3,220 |
| Net loans and leases to core deposits | 121.5787% | 1,830 |
| Total domestic deposits to total assets | 89.5430% | 1,187 |
| Equity capital to assets | 10.1024% | 3,614 |
| Core capital (leverage) ratio | 10.4959% | 2,612 |
| Tier 1 risk-based capital ratio | 12.9384% | 4,182 |
| Total risk-based capital ratio | 13.8680% | 4,370 |
| Memoranda: | ||
| Average total assets | $64,960,200 | 6,165 |
| Average earning assets | $55,316,800 | 6,321 |
| Average equity | $6,806,400 | 6,330 |
| Average total loans | $47,160,200 | 5,801 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0604% | 279 |
| Cost of funding earning assets | 1.5339% | 5,695 |
| Net interest margin | 5.5265% | 176 |
| Noninterest income to average assets | 1.0233% | 1,519 |
| Noninterest expense to average assets | 4.4572% | 778 |
| Loan and lease loss provision to assets | 0.2791% | 4,742 |
| Net operating income to assets | 0.9572% | 2,210 |
| Return on assets (ROA) | 0.9572% | 2,268 |
| Pretax return on assets | 0.9572% | 3,037 |
| Return on Equity (ROE) | 9.0513% | 2,241 |
| Retained earnings to average equity (ytd only) | -5.0828% | 6,268 |
| Net charge-offs to loans | 0.7815% | 2,411 |
| Credit loss provision to net charge-offs | 49.8155% | 6,310 |
| Earnings coverage of net charge-offs (x) | 2.2067% | 4,164 |
| Efficiency ratio | 78.2861% | 3,121 |
| Assets per employee ($millions) | 2.0805% | 7,732 |
| Cash dividends to net income (ytd only)* | 156.1556% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9104% | 6,719 |
| Loan loss allowance to noncurrent loans | 200.4566% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.8372% | 5,415 |
| Noncurrent loans to loans | 0.4542% | 6,415 |
| Net loans and leases to total assets | 74.0841% | 2,495 |
| Net loans and leases to deposits | 83.0154% | 3,831 |
| Net loans and leases to core deposits | 118.7337% | 2,352 |
| Total domestic deposits to total assets | 89.2414% | 1,087 |
| Equity capital to assets | 10.3757% | 3,650 |
| Core capital (leverage) ratio | 10.2500% | 3,015 |
| Tier 1 risk-based capital ratio | 12.4651% | 4,571 |
| Total risk-based capital ratio | 13.2939% | 4,873 |
| Memoranda: | ||
| Average total assets | $64,493,750 | 6,225 |
| Average earning assets | $54,499,500 | 6,400 |
| Average equity | $6,820,250 | 6,386 |
| Average total loans | $46,233,000 | 5,874 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0023% | 314 |
| Cost of funding earning assets | 1.5845% | 5,795 |
| Net interest margin | 5.4178% | 205 |
| Noninterest income to average assets | 0.9893% | 1,635 |
| Noninterest expense to average assets | 4.3137% | 932 |
| Loan and lease loss provision to assets | 0.2791% | 4,339 |
| Net operating income to assets | 0.9241% | 2,365 |
| Return on assets (ROA) | 0.9241% | 2,458 |
| Pretax return on assets | 0.9241% | 3,261 |
| Return on Equity (ROE) | 8.6842% | 2,481 |
| Retained earnings to average equity (ytd only) | -7.2563% | 6,591 |
| Net charge-offs to loans | 0.8734% | 1,947 |
| Credit loss provision to net charge-offs | 45.2261% | 5,825 |
| Earnings coverage of net charge-offs (x) | 1.9497% | 4,127 |
| Efficiency ratio | 78.1900% | 3,317 |
| Assets per employee ($millions) | 2.1107% | 7,764 |
| Cash dividends to net income (ytd only)* | 183.5570% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 6,243 |
| Loan loss allowance to noncurrent loans | 53.5632% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 2.5661% | 2,513 |
| Noncurrent loans to loans | 1.8672% | 3,705 |
| Net loans and leases to total assets | 70.4987% | 3,586 |
| Net loans and leases to deposits | 78.7934% | 4,733 |
| Net loans and leases to core deposits | 108.9106% | 3,502 |
| Total domestic deposits to total assets | 89.4729% | 1,054 |
| Equity capital to assets | 10.1481% | 3,770 |
| Core capital (leverage) ratio | 10.3563% | 2,943 |
| Tier 1 risk-based capital ratio | 12.7264% | 4,339 |
| Total risk-based capital ratio | 13.6232% | 4,547 |
| Memoranda: | ||
| Average total assets | $64,492,670 | 6,282 |
| Average earning assets | $53,896,670 | 6,479 |
| Average equity | $6,863,000 | 6,417 |
| Average total loans | $45,570,330 | 5,957 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9327% | 385 |
| Cost of funding earning assets | 1.6396% | 5,861 |
| Net interest margin | 5.2931% | 234 |
| Noninterest income to average assets | 0.9871% | 1,522 |
| Noninterest expense to average assets | 4.3234% | 835 |
| Loan and lease loss provision to assets | 0.2811% | 3,711 |
| Net operating income to assets | 0.7997% | 3,131 |
| Return on assets (ROA) | 0.7997% | 3,291 |
| Pretax return on assets | 0.7997% | 4,076 |
| Return on Equity (ROE) | 7.3410% | 3,451 |
| Retained earnings to average equity (ytd only) | 2.9823% | 4,215 |
| Net charge-offs to loans | 0.5948% | 1,987 |
| Credit loss provision to net charge-offs | 67.1642% | 4,399 |
| Earnings coverage of net charge-offs (x) | 2.5821% | 3,465 |
| Efficiency ratio | 80.0000% | 2,820 |
| Assets per employee ($millions) | 1.9988% | 7,901 |
| Cash dividends to net income (ytd only)* | 59.3750% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9144% | 6,679 |
| Loan loss allowance to noncurrent loans | 575.7143% | 619 |
| Noncurrent assets plus other real estate owned to assets | 1.3326% | 3,995 |
| Noncurrent loans to loans | 0.1588% | 7,073 |
| Net loans and leases to total assets | 66.2093% | 4,536 |
| Net loans and leases to deposits | 74.5404% | 5,414 |
| Net loans and leases to core deposits | 102.1042% | 4,334 |
| Total domestic deposits to total assets | 88.8234% | 1,321 |
| Equity capital to assets | 10.5793% | 3,386 |
| Core capital (leverage) ratio | 10.9078% | 2,575 |
| Tier 1 risk-based capital ratio | 14.1437% | 3,505 |
| Total risk-based capital ratio | 14.9681% | 3,658 |
| Memoranda: | ||
| Average total assets | $64,023,500 | 6,324 |
| Average earning assets | $53,428,000 | 6,526 |
| Average equity | $6,974,500 | 6,421 |
| Average total loans | $45,058,500 | 6,011 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0497% | 180 |
| Cost of funding earning assets | 2.3732% | 4,841 |
| Net interest margin | 5.6764% | 156 |
| Noninterest income to average assets | 0.9833% | 1,634 |
| Noninterest expense to average assets | 3.8686% | 1,622 |
| Loan and lease loss provision to assets | 0.3488% | 3,611 |
| Net operating income to assets | 1.6424% | 766 |
| Return on assets (ROA) | 1.6454% | 728 |
| Pretax return on assets | 1.6454% | 1,274 |
| Return on Equity (ROE) | 15.8189% | 797 |
| Retained earnings to average equity (ytd only) | 0.8567% | 4,711 |
| Net charge-offs to loans | 1.0605% | 1,158 |
| Credit loss provision to net charge-offs | 46.7078% | 6,384 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 4,746 |
| Efficiency ratio | 66.0199% | 5,123 |
| Assets per employee ($millions) | 2.4835% | 7,228 |
| Cash dividends to net income (ytd only)* | 94.5845% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9231% | 6,544 |
| Loan loss allowance to noncurrent loans | 342.7419% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 1.5027% | 3,213 |
| Noncurrent loans to loans | 0.2693% | 6,567 |
| Net loans and leases to total assets | 73.4731% | 3,237 |
| Net loans and leases to deposits | 83.3556% | 4,520 |
| Net loans and leases to core deposits | 107.9742% | 3,973 |
| Total domestic deposits to total assets | 88.1442% | 1,408 |
| Equity capital to assets | 11.2276% | 2,864 |
| Core capital (leverage) ratio | 11.0487% | 2,554 |
| Tier 1 risk-based capital ratio | 15.7845% | 2,749 |
| Total risk-based capital ratio | 16.7621% | 2,778 |
| Memoranda: | ||
| Average total assets | $65,088,600 | 6,189 |
| Average earning assets | $55,915,400 | 6,340 |
| Average equity | $6,770,400 | 6,543 |
| Average total loans | $45,827,800 | 5,884 |