Home > The Benton State Bank > Performance and Condition Ratios
The Benton 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 | 6.1216% | 548 |
| Cost of funding earning assets | 1.3879% | 2,259 |
| Net interest margin | 4.7338% | 457 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 3.8087% | 425 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.0920% | 1,942 |
| Return on assets (ROA) | 1.0920% | 1,913 |
| Pretax return on assets | 1.0920% | 2,431 |
| Return on Equity (ROE) | 11.3100% | 2,143 |
| Retained earnings to average equity (ytd only) | 7.0884% | 1,871 |
| Net charge-offs to loans | 0.0350% | 1,608 |
| Credit loss provision to net charge-offs | 168.0000% | 1,359 |
| Earnings coverage of net charge-offs (x) | 37.6000% | 1,484 |
| Efficiency ratio | 76.9155% | 1,171 |
| Assets per employee ($millions) | 3.9944% | 4,162 |
| Cash dividends to net income (ytd only)* | 37.3051% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3568% | 1,558 |
| Loan loss allowance to noncurrent loans | 2,740.5405% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 2,634 |
| Noncurrent loans to loans | 0.0495% | 3,374 |
| Net loans and leases to total assets | 87.8800% | 91 |
| Net loans and leases to deposits | 102.0756% | 429 |
| Net loans and leases to core deposits | 113.0484% | 841 |
| Total domestic deposits to total assets | 86.1000% | 1,979 |
| Equity capital to assets | 9.8482% | 2,095 |
| Core capital (leverage) ratio | 10.1499% | 2,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $82,233,400 | 3,997 |
| Average earning assets | $76,809,400 | 3,961 |
| Average equity | $7,942,600 | 3,930 |
| Average total loans | $71,521,800 | 3,524 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9026% | 603 |
| Cost of funding earning assets | 1.3212% | 2,090 |
| Net interest margin | 4.5814% | 547 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 3.7936% | 423 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.9386% | 2,551 |
| Return on assets (ROA) | 0.9386% | 2,538 |
| Pretax return on assets | 0.9386% | 3,012 |
| Return on Equity (ROE) | 9.7700% | 2,707 |
| Retained earnings to average equity (ytd only) | 6.3757% | 2,509 |
| Net charge-offs to loans | 0.0528% | 1,149 |
| Credit loss provision to net charge-offs | 150.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 22.0714% | 1,765 |
| Efficiency ratio | 79.0224% | 928 |
| Assets per employee ($millions) | 4.1572% | 4,097 |
| Cash dividends to net income (ytd only)* | 34.7222% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 1,455 |
| Loan loss allowance to noncurrent loans | 2,530.0000% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 2,642 |
| Noncurrent loans to loans | 0.0552% | 3,360 |
| Net loans and leases to total assets | 85.8700% | 166 |
| Net loans and leases to deposits | 99.7694% | 526 |
| Net loans and leases to core deposits | 110.5855% | 852 |
| Total domestic deposits to total assets | 86.0700% | 2,168 |
| Equity capital to assets | 9.6820% | 2,001 |
| Core capital (leverage) ratio | 10.0339% | 2,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $81,821,000 | 4,017 |
| Average earning assets | $76,394,000 | 3,980 |
| Average equity | $7,863,000 | 3,947 |
| Average total loans | $70,718,750 | 3,545 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7633% | 581 |
| Cost of funding earning assets | 1.2649% | 1,809 |
| Net interest margin | 4.4983% | 605 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 3.7528% | 418 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.8380% | 2,962 |
| Return on assets (ROA) | 0.8380% | 2,972 |
| Pretax return on assets | 0.8380% | 3,306 |
| Return on Equity (ROE) | 8.7400% | 3,050 |
| Retained earnings to average equity (ytd only) | 4.9739% | 2,945 |
| Net charge-offs to loans | 0.1197% | 605 |
| Credit loss provision to net charge-offs | 100.0000% | 1,438 |
| Earnings coverage of net charge-offs (x) | 9.1190% | 2,032 |
| Efficiency ratio | 79.9476% | 844 |
| Assets per employee ($millions) | 3.9190% | 4,219 |
| Cash dividends to net income (ytd only)* | 43.1085% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 1,616 |
| Loan loss allowance to noncurrent loans | 867.8261% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 2,573 |
| Noncurrent loans to loans | 0.1587% | 2,680 |
| Net loans and leases to total assets | 86.8100% | 124 |
| Net loans and leases to deposits | 100.6920% | 485 |
| Net loans and leases to core deposits | 111.6970% | 759 |
| Total domestic deposits to total assets | 86.2200% | 2,165 |
| Equity capital to assets | 9.5822% | 2,104 |
| Core capital (leverage) ratio | 9.9379% | 2,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $81,380,000 | 4,034 |
| Average earning assets | $75,894,667 | 4,004 |
| Average equity | $7,800,667 | 3,971 |
| Average total loans | $70,156,333 | 3,563 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5902% | 536 |
| Cost of funding earning assets | 1.1786% | 1,508 |
| Net interest margin | 4.4116% | 667 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 3.4107% | 592 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.9787% | 2,599 |
| Return on assets (ROA) | 0.9787% | 2,569 |
| Pretax return on assets | 0.9787% | 3,057 |
| Return on Equity (ROE) | 10.2100% | 2,722 |
| Retained earnings to average equity (ytd only) | 7.4762% | 2,367 |
| Net charge-offs to loans | -0.0058% | 3,687 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.9076% | 1,175 |
| Assets per employee ($millions) | 3.6710% | 4,369 |
| Cash dividends to net income (ytd only)* | 26.7677% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4842% | 1,325 |
| Loan loss allowance to noncurrent loans | 295.6522% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.4272% | 1,208 |
| Noncurrent loans to loans | 0.5020% | 1,461 |
| Net loans and leases to total assets | 83.8300% | 250 |
| Net loans and leases to deposits | 97.4046% | 573 |
| Net loans and leases to core deposits | 107.8554% | 761 |
| Total domestic deposits to total assets | 86.0600% | 2,568 |
| Equity capital to assets | 9.7049% | 1,993 |
| Core capital (leverage) ratio | 9.9268% | 2,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $80,921,000 | 4,090 |
| Average earning assets | $75,346,000 | 4,065 |
| Average equity | $7,758,000 | 4,025 |
| Average total loans | $69,012,000 | 3,624 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0080% | 293 |
| Cost of funding earning assets | 0.6667% | 675 |
| Net interest margin | 4.3413% | 388 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 3.4985% | 491 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 0.9297% | 2,850 |
| Return on assets (ROA) | 0.9297% | 2,791 |
| Pretax return on assets | 0.9297% | 3,270 |
| Return on Equity (ROE) | 9.9500% | 2,826 |
| Retained earnings to average equity (ytd only) | 8.9385% | 1,494 |
| Net charge-offs to loans | 0.0579% | 1,070 |
| Credit loss provision to net charge-offs | 335.1351% | 857 |
| Earnings coverage of net charge-offs (x) | 23.0811% | 1,826 |
| Efficiency ratio | 76.2844% | 981 |
| Assets per employee ($millions) | 4.0540% | 4,262 |
| Cash dividends to net income (ytd only)* | 10.1370% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 1,372 |
| Loan loss allowance to noncurrent loans | 378.0303% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 1,549 |
| Noncurrent loans to loans | 0.3809% | 1,778 |
| Net loans and leases to total assets | 84.2400% | 237 |
| Net loans and leases to deposits | 97.4977% | 555 |
| Net loans and leases to core deposits | 107.1907% | 699 |
| Total domestic deposits to total assets | 86.4000% | 2,604 |
| Equity capital to assets | 9.4698% | 2,033 |
| Core capital (leverage) ratio | 9.7375% | 2,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $78,520,400 | 4,144 |
| Average earning assets | $73,043,200 | 4,120 |
| Average equity | $7,339,000 | 4,172 |
| Average total loans | $63,918,000 | 3,672 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8514% | 261 |
| Cost of funding earning assets | 0.5846% | 471 |
| Net interest margin | 4.2668% | 358 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 3.5335% | 473 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.9673% | 2,603 |
| Return on assets (ROA) | 0.9673% | 2,575 |
| Pretax return on assets | 0.9673% | 3,120 |
| Return on Equity (ROE) | 10.3800% | 2,616 |
| Retained earnings to average equity (ytd only) | 9.0244% | 1,642 |
| Net charge-offs to loans | 0.0788% | 750 |
| Credit loss provision to net charge-offs | 75.6757% | 1,434 |
| Earnings coverage of net charge-offs (x) | 16.0270% | 1,824 |
| Efficiency ratio | 77.6816% | 941 |
| Assets per employee ($millions) | 3.9187% | 4,353 |
| Cash dividends to net income (ytd only)* | 13.0973% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 1,857 |
| Loan loss allowance to noncurrent loans | 339.0977% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.3394% | 1,588 |
| Noncurrent loans to loans | 0.3941% | 1,827 |
| Net loans and leases to total assets | 84.9700% | 187 |
| Net loans and leases to deposits | 98.7323% | 418 |
| Net loans and leases to core deposits | 108.9671% | 500 |
| Total domestic deposits to total assets | 86.0600% | 3,057 |
| Equity capital to assets | 9.4917% | 1,891 |
| Core capital (leverage) ratio | 9.7346% | 2,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $77,880,750 | 4,181 |
| Average earning assets | $72,527,000 | 4,156 |
| Average equity | $7,254,250 | 4,219 |
| Average total loans | $62,572,250 | 3,706 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5928% | 315 |
| Cost of funding earning assets | 0.5291% | 441 |
| Net interest margin | 4.0637% | 430 |
| Noninterest income to average assets | 0.6073% | 1,708 |
| Noninterest expense to average assets | 3.4587% | 455 |
| Loan and lease loss provision to assets | 0.0180% | 2,280 |
| Net operating income to assets | 0.9059% | 2,557 |
| Return on assets (ROA) | 0.9059% | 2,529 |
| Pretax return on assets | 0.9059% | 3,045 |
| Return on Equity (ROE) | 9.7877% | 2,409 |
| Retained earnings to average equity (ytd only) | 7.7301% | 1,715 |
| Net charge-offs to loans | 0.1247% | 503 |
| Credit loss provision to net charge-offs | 18.4211% | 1,611 |
| Earnings coverage of net charge-offs (x) | 9.4474% | 1,787 |
| Efficiency ratio | 78.9196% | 1,023 |
| Assets per employee ($millions) | 3.7430% | 4,474 |
| Cash dividends to net income (ytd only)* | 21.0227% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3186% | 2,102 |
| Loan loss allowance to noncurrent loans | 323.8971% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.3804% | 1,479 |
| Noncurrent loans to loans | 0.4071% | 1,906 |
| Net loans and leases to total assets | 83.8783% | 191 |
| Net loans and leases to deposits | 97.1745% | 379 |
| Net loans and leases to core deposits | 107.3569% | 410 |
| Total domestic deposits to total assets | 86.3171% | 3,167 |
| Equity capital to assets | 9.2415% | 2,202 |
| Core capital (leverage) ratio | 9.1509% | 3,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,716,333 | 4,228 |
| Average earning assets | $72,200,667 | 4,221 |
| Average equity | $7,192,667 | 4,298 |
| Average total loans | $60,931,667 | 3,774 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4571% | 344 |
| Cost of funding earning assets | 0.5139% | 464 |
| Net interest margin | 3.9433% | 456 |
| Noninterest income to average assets | 0.6574% | 1,456 |
| Noninterest expense to average assets | 3.4009% | 471 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9110% | 2,242 |
| Return on assets (ROA) | 0.9110% | 2,239 |
| Pretax return on assets | 0.9110% | 2,729 |
| Return on Equity (ROE) | 9.8365% | 2,029 |
| Retained earnings to average equity (ytd only) | 8.9982% | 1,273 |
| Net charge-offs to loans | -0.0069% | 3,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8715% | 1,238 |
| Assets per employee ($millions) | 3.7100% | 4,498 |
| Cash dividends to net income (ytd only)* | 8.5227% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 1,522 |
| Loan loss allowance to noncurrent loans | 329.2419% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 1,685 |
| Noncurrent loans to loans | 0.4588% | 1,877 |
| Net loans and leases to total assets | 76.3281% | 485 |
| Net loans and leases to deposits | 87.1262% | 669 |
| Net loans and leases to core deposits | 94.7018% | 703 |
| Total domestic deposits to total assets | 87.6064% | 2,704 |
| Equity capital to assets | 9.2426% | 2,489 |
| Core capital (leverage) ratio | 9.5777% | 2,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,273,500 | 4,251 |
| Average earning assets | $71,616,000 | 4,247 |
| Average equity | $7,157,000 | 4,348 |
| Average total loans | $57,992,000 | 3,828 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0882% | 238 |
| Cost of funding earning assets | 0.6863% | 345 |
| Net interest margin | 4.4018% | 333 |
| Noninterest income to average assets | 0.9932% | 1,015 |
| Noninterest expense to average assets | 3.5726% | 440 |
| Loan and lease loss provision to assets | 0.0285% | 2,487 |
| Net operating income to assets | 1.4735% | 1,077 |
| Return on assets (ROA) | 1.4735% | 1,133 |
| Pretax return on assets | 1.4735% | 1,807 |
| Return on Equity (ROE) | 15.7909% | 788 |
| Retained earnings to average equity (ytd only) | 7.8809% | 1,589 |
| Net charge-offs to loans | -0.0928% | 4,564 |
| Credit loss provision to net charge-offs | -38.8889% | 3,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4011% | 1,695 |
| Assets per employee ($millions) | 3.8318% | 4,483 |
| Cash dividends to net income (ytd only)* | 50.0921% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6384% | 1,178 |
| Loan loss allowance to noncurrent loans | 353.1008% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.3367% | 1,885 |
| Noncurrent loans to loans | 0.4640% | 1,977 |
| Net loans and leases to total assets | 71.3672% | 896 |
| Net loans and leases to deposits | 81.5121% | 1,101 |
| Net loans and leases to core deposits | 89.0215% | 1,011 |
| Total domestic deposits to total assets | 87.5542% | 2,263 |
| Equity capital to assets | 9.2815% | 3,336 |
| Core capital (leverage) ratio | 9.4085% | 2,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,700,400 | 4,296 |
| Average earning assets | $68,335,200 | 4,286 |
| Average equity | $6,877,400 | 4,437 |
| Average total loans | $58,193,800 | 3,847 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2596% | 204 |
| Cost of funding earning assets | 0.7122% | 355 |
| Net interest margin | 4.5474% | 289 |
| Noninterest income to average assets | 0.9812% | 1,104 |
| Noninterest expense to average assets | 3.5321% | 444 |
| Loan and lease loss provision to assets | 0.0384% | 2,222 |
| Net operating income to assets | 1.6226% | 976 |
| Return on assets (ROA) | 1.6226% | 1,024 |
| Pretax return on assets | 1.6226% | 1,636 |
| Return on Equity (ROE) | 17.3641% | 712 |
| Retained earnings to average equity (ytd only) | 7.9194% | 2,081 |
| Net charge-offs to loans | -0.0929% | 4,582 |
| Credit loss provision to net charge-offs | -51.2195% | 3,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0155% | 1,835 |
| Assets per employee ($millions) | 3.3856% | 4,679 |
| Cash dividends to net income (ytd only)* | 54.3919% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5474% | 1,471 |
| Loan loss allowance to noncurrent loans | 253.2394% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.4766% | 1,593 |
| Noncurrent loans to loans | 0.6111% | 1,780 |
| Net loans and leases to total assets | 76.7910% | 485 |
| Net loans and leases to deposits | 88.0320% | 712 |
| Net loans and leases to core deposits | 97.0872% | 698 |
| Total domestic deposits to total assets | 87.2308% | 2,254 |
| Equity capital to assets | 9.3765% | 3,484 |
| Core capital (leverage) ratio | 9.4226% | 3,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,966,500 | 4,358 |
| Average earning assets | $67,583,250 | 4,349 |
| Average equity | $6,818,500 | 4,505 |
| Average total loans | $58,841,250 | 3,890 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6394% | 143 |
| Cost of funding earning assets | 0.7737% | 328 |
| Net interest margin | 4.8657% | 203 |
| Noninterest income to average assets | 1.0212% | 1,034 |
| Noninterest expense to average assets | 3.5412% | 444 |
| Loan and lease loss provision to assets | 0.0580% | 1,873 |
| Net operating income to assets | 1.9348% | 553 |
| Return on assets (ROA) | 1.9348% | 573 |
| Pretax return on assets | 1.9348% | 941 |
| Return on Equity (ROE) | 20.7294% | 406 |
| Retained earnings to average equity (ytd only) | 9.4628% | 1,565 |
| Net charge-offs to loans | -0.0169% | 3,913 |
| Credit loss provision to net charge-offs | -420.0000% | 3,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9900% | 2,428 |
| Assets per employee ($millions) | 3.2845% | 4,729 |
| Cash dividends to net income (ytd only)* | 54.3509% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5422% | 1,446 |
| Loan loss allowance to noncurrent loans | 231.0992% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.5162% | 1,619 |
| Noncurrent loans to loans | 0.6673% | 1,757 |
| Net loans and leases to total assets | 76.1590% | 580 |
| Net loans and leases to deposits | 87.6220% | 800 |
| Net loans and leases to core deposits | 96.9795% | 761 |
| Total domestic deposits to total assets | 86.9177% | 2,372 |
| Equity capital to assets | 9.5519% | 3,291 |
| Core capital (leverage) ratio | 9.3453% | 3,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,460,667 | 4,390 |
| Average earning assets | $67,205,667 | 4,380 |
| Average equity | $6,763,333 | 4,533 |
| Average total loans | $59,089,667 | 3,912 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8597% | 130 |
| Cost of funding earning assets | 0.7317% | 485 |
| Net interest margin | 5.1279% | 164 |
| Noninterest income to average assets | 0.9867% | 1,154 |
| Noninterest expense to average assets | 3.3351% | 570 |
| Loan and lease loss provision to assets | 0.1158% | 1,184 |
| Net operating income to assets | 2.3263% | 347 |
| Return on assets (ROA) | 2.3263% | 373 |
| Pretax return on assets | 2.3263% | 566 |
| Return on Equity (ROE) | 25.2166% | 252 |
| Retained earnings to average equity (ytd only) | 12.9071% | 934 |
| Net charge-offs to loans | -0.0066% | 3,503 |
| Credit loss provision to net charge-offs | -2,100.0000% | 3,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7290% | 3,341 |
| Assets per employee ($millions) | 3.5372% | 4,675 |
| Cash dividends to net income (ytd only)* | 48.8152% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 1,927 |
| Loan loss allowance to noncurrent loans | 220.0000% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.6179% | 1,537 |
| Noncurrent loans to loans | 0.6396% | 1,976 |
| Net loans and leases to total assets | 80.9292% | 287 |
| Net loans and leases to deposits | 95.4555% | 426 |
| Net loans and leases to core deposits | 109.4652% | 425 |
| Total domestic deposits to total assets | 84.7821% | 3,190 |
| Equity capital to assets | 9.1383% | 3,553 |
| Core capital (leverage) ratio | 9.4502% | 3,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,562,000 | 4,402 |
| Average earning assets | $67,785,500 | 4,386 |
| Average equity | $6,694,000 | 4,556 |
| Average total loans | $60,688,000 | 3,905 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3690% | 231 |
| Cost of funding earning assets | 0.9526% | 709 |
| Net interest margin | 4.4164% | 388 |
| Noninterest income to average assets | 1.0418% | 970 |
| Noninterest expense to average assets | 3.7467% | 497 |
| Loan and lease loss provision to assets | 0.1240% | 2,814 |
| Net operating income to assets | 1.3104% | 1,221 |
| Return on assets (ROA) | 1.3104% | 1,324 |
| Pretax return on assets | 1.3104% | 1,939 |
| Return on Equity (ROE) | 14.0765% | 795 |
| Retained earnings to average equity (ytd only) | 7.6248% | 1,164 |
| Net charge-offs to loans | -0.0052% | 4,146 |
| Credit loss provision to net charge-offs | -2,800.0000% | 4,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3156% | 1,643 |
| Assets per employee ($millions) | 3.2201% | 4,749 |
| Cash dividends to net income (ytd only)* | 45.8333% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3840% | 2,029 |
| Loan loss allowance to noncurrent loans | 187.4439% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.9345% | 1,040 |
| Noncurrent loans to loans | 0.7384% | 1,857 |
| Net loans and leases to total assets | 84.0831% | 170 |
| Net loans and leases to deposits | 99.5837% | 390 |
| Net loans and leases to core deposits | 115.0920% | 384 |
| Total domestic deposits to total assets | 84.4346% | 2,975 |
| Equity capital to assets | 9.3164% | 3,772 |
| Core capital (leverage) ratio | 9.2690% | 3,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,766,400 | 4,416 |
| Average earning assets | $63,513,200 | 4,395 |
| Average equity | $6,308,400 | 4,606 |
| Average total loans | $57,363,400 | 3,959 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5365% | 212 |
| Cost of funding earning assets | 1.0142% | 724 |
| Net interest margin | 4.5224% | 355 |
| Noninterest income to average assets | 0.8816% | 1,279 |
| Noninterest expense to average assets | 3.7752% | 469 |
| Loan and lease loss provision to assets | 0.1254% | 2,770 |
| Net operating income to assets | 1.2139% | 1,602 |
| Return on assets (ROA) | 1.2139% | 1,722 |
| Pretax return on assets | 1.2139% | 2,351 |
| Return on Equity (ROE) | 13.0433% | 1,102 |
| Retained earnings to average equity (ytd only) | 7.5908% | 1,464 |
| Net charge-offs to loans | 0.0024% | 3,098 |
| Credit loss provision to net charge-offs | 6,300.0000% | 182 |
| Earnings coverage of net charge-offs (x) | 673.0000% | 179 |
| Efficiency ratio | 73.8132% | 1,423 |
| Assets per employee ($millions) | 3.3554% | 4,720 |
| Cash dividends to net income (ytd only)* | 41.8033% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 1,681 |
| Loan loss allowance to noncurrent loans | 153.7879% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 1.0445% | 1,043 |
| Noncurrent loans to loans | 0.9193% | 1,621 |
| Net loans and leases to total assets | 80.3613% | 580 |
| Net loans and leases to deposits | 95.3299% | 810 |
| Net loans and leases to core deposits | 110.2963% | 693 |
| Total domestic deposits to total assets | 84.2981% | 2,716 |
| Equity capital to assets | 9.1892% | 3,960 |
| Core capital (leverage) ratio | 9.3111% | 3,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,997,250 | 4,439 |
| Average earning assets | $62,709,000 | 4,419 |
| Average equity | $6,235,500 | 4,636 |
| Average total loans | $56,603,500 | 3,993 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7616% | 205 |
| Cost of funding earning assets | 1.0529% | 831 |
| Net interest margin | 4.7087% | 331 |
| Noninterest income to average assets | 0.8961% | 1,179 |
| Noninterest expense to average assets | 4.0704% | 381 |
| Loan and lease loss provision to assets | 0.1276% | 2,747 |
| Net operating income to assets | 1.0996% | 1,966 |
| Return on assets (ROA) | 1.0996% | 2,084 |
| Pretax return on assets | 1.0996% | 2,709 |
| Return on Equity (ROE) | 11.7615% | 1,400 |
| Retained earnings to average equity (ytd only) | 5.1010% | 2,427 |
| Net charge-offs to loans | 0.0178% | 2,373 |
| Credit loss provision to net charge-offs | 840.0000% | 886 |
| Earnings coverage of net charge-offs (x) | 80.8000% | 801 |
| Efficiency ratio | 76.8349% | 1,178 |
| Assets per employee ($millions) | 3.4867% | 4,671 |
| Cash dividends to net income (ytd only)* | 56.6298% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 1,963 |
| Loan loss allowance to noncurrent loans | 144.2202% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 1.0813% | 1,061 |
| Noncurrent loans to loans | 0.9070% | 1,692 |
| Net loans and leases to total assets | 85.0429% | 186 |
| Net loans and leases to deposits | 100.6808% | 511 |
| Net loans and leases to core deposits | 120.8785% | 399 |
| Total domestic deposits to total assets | 84.4679% | 2,570 |
| Equity capital to assets | 9.0216% | 4,075 |
| Core capital (leverage) ratio | 9.2888% | 3,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,842,000 | 4,462 |
| Average earning assets | $61,545,333 | 4,447 |
| Average equity | $6,155,667 | 4,668 |
| Average total loans | $56,325,667 | 4,012 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5555% | 332 |
| Cost of funding earning assets | 1.1529% | 897 |
| Net interest margin | 4.4026% | 624 |
| Noninterest income to average assets | 0.5759% | 2,148 |
| Noninterest expense to average assets | 4.2694% | 385 |
| Loan and lease loss provision to assets | 0.1315% | 2,081 |
| Net operating income to assets | 0.2629% | 4,428 |
| Return on assets (ROA) | 0.2629% | 4,449 |
| Pretax return on assets | 0.2629% | 4,505 |
| Return on Equity (ROE) | 2.7595% | 4,277 |
| Retained earnings to average equity (ytd only) | -4.5992% | 4,488 |
| Net charge-offs to loans | -0.0220% | 4,365 |
| Credit loss provision to net charge-offs | -700.0000% | 3,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5436% | 446 |
| Assets per employee ($millions) | 2.7630% | 4,881 |
| Cash dividends to net income (ytd only)* | 266.6667% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 1,630 |
| Loan loss allowance to noncurrent loans | 137.3002% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 1.2148% | 1,012 |
| Noncurrent loans to loans | 1.0347% | 1,608 |
| Net loans and leases to total assets | 84.4055% | 238 |
| Net loans and leases to deposits | 97.5077% | 779 |
| Net loans and leases to core deposits | 114.7190% | 636 |
| Total domestic deposits to total assets | 86.5629% | 1,747 |
| Equity capital to assets | 9.5298% | 4,185 |
| Core capital (leverage) ratio | 9.4523% | 4,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,896,500 | 4,503 |
| Average earning assets | $59,329,000 | 4,494 |
| Average equity | $6,088,000 | 4,712 |
| Average total loans | $54,444,000 | 4,062 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6510% | 436 |
| Cost of funding earning assets | 1.2704% | 842 |
| Net interest margin | 4.3806% | 933 |
| Noninterest income to average assets | 0.6101% | 2,171 |
| Noninterest expense to average assets | 3.9848% | 538 |
| Loan and lease loss provision to assets | 0.0321% | 3,373 |
| Net operating income to assets | 0.6636% | 3,976 |
| Return on assets (ROA) | 0.6636% | 4,050 |
| Pretax return on assets | 0.6636% | 4,297 |
| Return on Equity (ROE) | 7.3158% | 3,438 |
| Retained earnings to average equity (ytd only) | 3.6073% | 3,195 |
| Net charge-offs to loans | 0.2013% | 1,016 |
| Credit loss provision to net charge-offs | 19.0909% | 3,318 |
| Earnings coverage of net charge-offs (x) | 4.1364% | 3,255 |
| Efficiency ratio | 85.1356% | 597 |
| Assets per employee ($millions) | 2.7933% | 4,911 |
| Cash dividends to net income (ytd only)* | 50.6912% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3749% | 1,606 |
| Loan loss allowance to noncurrent loans | 91.3415% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 1.3542% | 789 |
| Noncurrent loans to loans | 1.5052% | 956 |
| Net loans and leases to total assets | 83.6299% | 353 |
| Net loans and leases to deposits | 97.0731% | 834 |
| Net loans and leases to core deposits | 114.0843% | 667 |
| Total domestic deposits to total assets | 86.1515% | 2,004 |
| Equity capital to assets | 9.5260% | 4,333 |
| Core capital (leverage) ratio | 9.5329% | 4,024 |
| Tier 1 risk-based capital ratio | 11.5269% | 4,616 |
| Total risk-based capital ratio | 12.7795% | 4,495 |
| Memoranda: | ||
| Average total assets | $65,397,800 | 4,510 |
| Average earning assets | $60,767,600 | 4,495 |
| Average equity | $5,932,400 | 4,764 |
| Average total loans | $54,647,400 | 4,084 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5779% | 515 |
| Cost of funding earning assets | 1.3078% | 767 |
| Net interest margin | 4.2701% | 1,225 |
| Noninterest income to average assets | 0.5643% | 2,389 |
| Noninterest expense to average assets | 4.0718% | 488 |
| Loan and lease loss provision to assets | 0.0426% | 3,046 |
| Net operating income to assets | 0.4263% | 4,668 |
| Return on assets (ROA) | 0.4263% | 4,702 |
| Pretax return on assets | 0.4263% | 4,781 |
| Return on Equity (ROE) | 4.7573% | 4,399 |
| Retained earnings to average equity (ytd only) | -0.2265% | 4,784 |
| Net charge-offs to loans | 0.0097% | 3,024 |
| Credit loss provision to net charge-offs | 525.0000% | 603 |
| Earnings coverage of net charge-offs (x) | 57.7842% | 1,082 |
| Efficiency ratio | 89.6737% | 334 |
| Assets per employee ($millions) | 2.8465% | 4,956 |
| Cash dividends to net income (ytd only)* | 104.7645% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5660% | 1,073 |
| Loan loss allowance to noncurrent loans | 61.2186% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 2.3370% | 320 |
| Noncurrent loans to loans | 2.5581% | 443 |
| Net loans and leases to total assets | 81.9915% | 568 |
| Net loans and leases to deposits | 95.5227% | 1,069 |
| Net loans and leases to core deposits | 118.3634% | 581 |
| Total domestic deposits to total assets | 85.8345% | 2,064 |
| Equity capital to assets | 9.0119% | 4,774 |
| Core capital (leverage) ratio | 9.0058% | 4,634 |
| Tier 1 risk-based capital ratio | 11.4884% | 4,672 |
| Total risk-based capital ratio | 12.7463% | 4,572 |
| Memoranda: | ||
| Average total assets | $65,686,000 | 4,563 |
| Average earning assets | $61,168,250 | 4,548 |
| Average equity | $5,885,500 | 4,834 |
| Average total loans | $54,690,000 | 4,131 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4949% | 575 |
| Cost of funding earning assets | 1.2864% | 771 |
| Net interest margin | 4.2085% | 1,341 |
| Noninterest income to average assets | 0.5231% | 2,551 |
| Noninterest expense to average assets | 4.0238% | 521 |
| Loan and lease loss provision to assets | 0.0639% | 2,537 |
| Net operating income to assets | 0.3558% | 4,795 |
| Return on assets (ROA) | 0.3558% | 4,813 |
| Pretax return on assets | 0.3558% | 4,880 |
| Return on Equity (ROE) | 3.9791% | 4,595 |
| Retained earnings to average equity (ytd only) | -0.0340% | 4,686 |
| Net charge-offs to loans | 0.0219% | 2,409 |
| Credit loss provision to net charge-offs | 350.0000% | 804 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,667 |
| Efficiency ratio | 90.5544% | 333 |
| Assets per employee ($millions) | 2.8421% | 4,994 |
| Cash dividends to net income (ytd only)* | 100.8547% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5606% | 1,120 |
| Loan loss allowance to noncurrent loans | 59.2078% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 2.4079% | 317 |
| Noncurrent loans to loans | 2.6357% | 425 |
| Net loans and leases to total assets | 82.2176% | 570 |
| Net loans and leases to deposits | 95.7474% | 1,064 |
| Net loans and leases to core deposits | 118.6742% | 585 |
| Total domestic deposits to total assets | 85.8692% | 2,102 |
| Equity capital to assets | 9.0197% | 4,783 |
| Core capital (leverage) ratio | 9.0828% | 4,567 |
| Tier 1 risk-based capital ratio | 10.9121% | 4,955 |
| Total risk-based capital ratio | 12.1656% | 4,865 |
| Memoranda: | ||
| Average total assets | $65,758,330 | 4,592 |
| Average earning assets | $61,256,330 | 4,579 |
| Average equity | $5,880,670 | 4,865 |
| Average total loans | $54,742,330 | 4,154 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2496% | 825 |
| Cost of funding earning assets | 1.2379% | 801 |
| Net interest margin | 4.0117% | 1,819 |
| Noninterest income to average assets | 0.5216% | 2,429 |
| Noninterest expense to average assets | 3.8937% | 601 |
| Loan and lease loss provision to assets | 0.1274% | 1,374 |
| Net operating income to assets | 0.2547% | 4,952 |
| Return on assets (ROA) | 0.2547% | 4,959 |
| Pretax return on assets | 0.2547% | 4,995 |
| Return on Equity (ROE) | 2.8605% | 4,815 |
| Retained earnings to average equity (ytd only) | 1.7027% | 4,140 |
| Net charge-offs to loans | -0.0073% | 4,119 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0638% | 353 |
| Assets per employee ($millions) | 2.8551% | 5,047 |
| Cash dividends to net income (ytd only)* | 40.4762% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5712% | 1,125 |
| Loan loss allowance to noncurrent loans | 69.5547% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 2.0863% | 445 |
| Noncurrent loans to loans | 2.2589% | 620 |
| Net loans and leases to total assets | 81.9471% | 595 |
| Net loans and leases to deposits | 95.3692% | 1,028 |
| Net loans and leases to core deposits | 118.3796% | 572 |
| Total domestic deposits to total assets | 85.9262% | 2,309 |
| Equity capital to assets | 8.9876% | 4,692 |
| Core capital (leverage) ratio | 9.0561% | 4,616 |
| Tier 1 risk-based capital ratio | 11.2849% | 4,851 |
| Total risk-based capital ratio | 12.5394% | 4,756 |
| Memoranda: | ||
| Average total assets | $65,953,500 | 4,638 |
| Average earning assets | $61,719,000 | 4,621 |
| Average equity | $5,873,000 | 4,907 |
| Average total loans | $54,815,500 | 4,193 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8632% | 212 |
| Cost of funding earning assets | 1.1977% | 350 |
| Net interest margin | 4.6655% | 524 |
| Noninterest income to average assets | 0.5590% | 2,497 |
| Noninterest expense to average assets | 3.8978% | 601 |
| Loan and lease loss provision to assets | 0.5101% | 233 |
| Net operating income to assets | 0.5300% | 4,595 |
| Return on assets (ROA) | 0.5300% | 4,590 |
| Pretax return on assets | 0.5300% | 4,758 |
| Return on Equity (ROE) | 6.1603% | 4,126 |
| Retained earnings to average equity (ytd only) | 0.0710% | 4,969 |
| Net charge-offs to loans | 0.1273% | 1,479 |
| Credit loss provision to net charge-offs | 463.8889% | 742 |
| Earnings coverage of net charge-offs (x) | 9.4583% | 2,808 |
| Efficiency ratio | 78.9360% | 1,045 |
| Assets per employee ($millions) | 2.8800% | 5,059 |
| Cash dividends to net income (ytd only)* | 98.8473% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 1,220 |
| Loan loss allowance to noncurrent loans | 132.6466% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 1.1564% | 1,140 |
| Noncurrent loans to loans | 1.1481% | 1,397 |
| Net loans and leases to total assets | 81.7072% | 695 |
| Net loans and leases to deposits | 94.7531% | 1,199 |
| Net loans and leases to core deposits | 117.2970% | 642 |
| Total domestic deposits to total assets | 86.2317% | 2,121 |
| Equity capital to assets | 8.8226% | 4,719 |
| Core capital (leverage) ratio | 8.9878% | 4,666 |
| Tier 1 risk-based capital ratio | 11.4363% | 4,750 |
| Total risk-based capital ratio | 12.6915% | 4,660 |
| Memoranda: | ||
| Average total assets | $65,472,800 | 4,669 |
| Average earning assets | $61,450,600 | 4,640 |
| Average equity | $5,632,800 | 4,950 |
| Average total loans | $56,576,400 | 4,173 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8019% | 217 |
| Cost of funding earning assets | 1.1112% | 376 |
| Net interest margin | 4.6906% | 482 |
| Noninterest income to average assets | 0.5841% | 2,395 |
| Noninterest expense to average assets | 4.1195% | 449 |
| Loan and lease loss provision to assets | 0.6393% | 159 |
| Net operating income to assets | 0.2308% | 5,175 |
| Return on assets (ROA) | 0.2308% | 5,171 |
| Pretax return on assets | 0.2308% | 5,189 |
| Return on Equity (ROE) | 2.7000% | 5,046 |
| Retained earnings to average equity (ytd only) | -1.0991% | 5,141 |
| Net charge-offs to loans | 0.1240% | 1,273 |
| Credit loss provision to net charge-offs | 590.5660% | 607 |
| Earnings coverage of net charge-offs (x) | 8.0384% | 2,755 |
| Efficiency ratio | 82.5624% | 739 |
| Assets per employee ($millions) | 2.8361% | 5,138 |
| Cash dividends to net income (ytd only)* | 140.7076% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 1,462 |
| Loan loss allowance to noncurrent loans | 56.0107% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 2.5326% | 338 |
| Noncurrent loans to loans | 2.6196% | 481 |
| Net loans and leases to total assets | 85.8608% | 274 |
| Net loans and leases to deposits | 99.8627% | 795 |
| Net loans and leases to core deposits | 125.0045% | 440 |
| Total domestic deposits to total assets | 85.9788% | 2,204 |
| Equity capital to assets | 8.8211% | 4,702 |
| Core capital (leverage) ratio | 9.0452% | 4,663 |
| Tier 1 risk-based capital ratio | 11.1572% | 4,965 |
| Total risk-based capital ratio | 12.4117% | 4,863 |
| Memoranda: | ||
| Average total assets | $65,281,250 | 4,719 |
| Average earning assets | $61,312,000 | 4,691 |
| Average equity | $5,580,000 | 5,013 |
| Average total loans | $56,980,750 | 4,210 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8827% | 166 |
| Cost of funding earning assets | 1.1289% | 256 |
| Net interest margin | 4.7538% | 387 |
| Noninterest income to average assets | 0.5115% | 2,795 |
| Noninterest expense to average assets | 4.1532% | 442 |
| Loan and lease loss provision to assets | 0.8944% | 92 |
| Net operating income to assets | -0.0735% | 5,369 |
| Return on assets (ROA) | -0.0735% | 5,363 |
| Pretax return on assets | -0.0735% | 5,363 |
| Return on Equity (ROE) | -0.8693% | 5,373 |
| Retained earnings to average equity (ytd only) | -6.6280% | 5,347 |
| Net charge-offs to loans | 0.1964% | 799 |
| Credit loss provision to net charge-offs | 521.4286% | 687 |
| Earnings coverage of net charge-offs (x) | 4.7857% | 2,769 |
| Efficiency ratio | 83.4975% | 723 |
| Assets per employee ($millions) | 2.9168% | 5,149 |
| Cash dividends to net income (ytd only)* | -662.5000% | 5,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 1,624 |
| Loan loss allowance to noncurrent loans | 63.6078% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 2.3344% | 389 |
| Noncurrent loans to loans | 2.2538% | 608 |
| Net loans and leases to total assets | 86.8942% | 204 |
| Net loans and leases to deposits | 102.3796% | 635 |
| Net loans and leases to core deposits | 131.2309% | 309 |
| Total domestic deposits to total assets | 84.8746% | 2,716 |
| Equity capital to assets | 8.7829% | 4,732 |
| Core capital (leverage) ratio | 8.9245% | 4,749 |
| Tier 1 risk-based capital ratio | 11.0611% | 5,023 |
| Total risk-based capital ratio | 12.3150% | 4,912 |
| Memoranda: | ||
| Average total assets | $65,298,330 | 4,767 |
| Average earning assets | $61,298,670 | 4,743 |
| Average equity | $5,522,000 | 5,078 |
| Average total loans | $57,027,330 | 4,244 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9667% | 142 |
| Cost of funding earning assets | 1.1143% | 214 |
| Net interest margin | 4.8524% | 308 |
| Noninterest income to average assets | 0.4737% | 2,973 |
| Noninterest expense to average assets | 4.1298% | 446 |
| Loan and lease loss provision to assets | 1.6459% | 44 |
| Net operating income to assets | -0.7531% | 5,524 |
| Return on assets (ROA) | -0.7531% | 5,522 |
| Pretax return on assets | -0.7531% | 5,521 |
| Return on Equity (ROE) | -9.0759% | 5,528 |
| Retained earnings to average equity (ytd only) | -18.5910% | 5,489 |
| Net charge-offs to loans | 0.2236% | 673 |
| Credit loss provision to net charge-offs | 846.8750% | 396 |
| Earnings coverage of net charge-offs (x) | 4.5938% | 2,289 |
| Efficiency ratio | 82.2249% | 927 |
| Assets per employee ($millions) | 2.7014% | 5,331 |
| Cash dividends to net income (ytd only)* | -104.8387% | 5,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4238% | 1,750 |
| Loan loss allowance to noncurrent loans | 62.0427% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 2.2319% | 458 |
| Noncurrent loans to loans | 2.2950% | 627 |
| Net loans and leases to total assets | 86.9220% | 197 |
| Net loans and leases to deposits | 100.8049% | 650 |
| Net loans and leases to core deposits | 126.8857% | 400 |
| Total domestic deposits to total assets | 86.2279% | 2,434 |
| Equity capital to assets | 8.2102% | 5,173 |
| Core capital (leverage) ratio | 8.2715% | 5,278 |
| Tier 1 risk-based capital ratio | 10.4409% | 5,369 |
| Total risk-based capital ratio | 11.6948% | 5,288 |
| Memoranda: | ||
| Average total assets | $65,862,500 | 4,818 |
| Average earning assets | $61,743,000 | 4,793 |
| Average equity | $5,465,000 | 5,140 |
| Average total loans | $57,255,500 | 4,275 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6037% | 228 |
| Cost of funding earning assets | 1.0819% | 142 |
| Net interest margin | 4.5218% | 589 |
| Noninterest income to average assets | 0.5205% | 2,876 |
| Noninterest expense to average assets | 3.7273% | 762 |
| Loan and lease loss provision to assets | 0.3636% | 424 |
| Net operating income to assets | 0.6634% | 3,762 |
| Return on assets (ROA) | 0.6634% | 3,800 |
| Pretax return on assets | 0.6634% | 4,595 |
| Return on Equity (ROE) | 7.9418% | 2,822 |
| Retained earnings to average equity (ytd only) | 4.5754% | 2,407 |
| Net charge-offs to loans | 0.3585% | 708 |
| Credit loss provision to net charge-offs | 118.7817% | 2,207 |
| Earnings coverage of net charge-offs (x) | 3.3553% | 3,619 |
| Efficiency ratio | 78.3987% | 1,293 |
| Assets per employee ($millions) | 2.9083% | 5,260 |
| Cash dividends to net income (ytd only)* | 42.3888% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 3,923 |
| Loan loss allowance to noncurrent loans | 77.7027% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.2348% | 1,183 |
| Noncurrent loans to loans | 1.2905% | 1,355 |
| Net loans and leases to total assets | 84.8649% | 357 |
| Net loans and leases to deposits | 98.9783% | 818 |
| Net loans and leases to core deposits | 123.8994% | 479 |
| Total domestic deposits to total assets | 85.7410% | 2,556 |
| Equity capital to assets | 8.3823% | 5,204 |
| Core capital (leverage) ratio | 8.6430% | 4,998 |
| Tier 1 risk-based capital ratio | 11.0387% | 5,121 |
| Total risk-based capital ratio | 12.1707% | 5,075 |
| Memoranda: | ||
| Average total assets | $64,363,000 | 4,871 |
| Average earning assets | $60,263,400 | 4,850 |
| Average equity | $5,376,600 | 5,208 |
| Average total loans | $54,948,600 | 4,330 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5845% | 230 |
| Cost of funding earning assets | 1.0763% | 127 |
| Net interest margin | 4.5082% | 591 |
| Noninterest income to average assets | 0.6255% | 2,337 |
| Noninterest expense to average assets | 3.9456% | 556 |
| Loan and lease loss provision to assets | 0.4456% | 288 |
| Net operating income to assets | 0.4582% | 4,858 |
| Return on assets (ROA) | 0.4582% | 4,889 |
| Pretax return on assets | 0.4582% | 5,102 |
| Return on Equity (ROE) | 5.4896% | 4,325 |
| Retained earnings to average equity (ytd only) | 2.3313% | 4,480 |
| Net charge-offs to loans | 0.2330% | 921 |
| Credit loss provision to net charge-offs | 224.2105% | 1,239 |
| Earnings coverage of net charge-offs (x) | 4.5475% | 3,211 |
| Efficiency ratio | 81.3632% | 970 |
| Assets per employee ($millions) | 2.7963% | 5,391 |
| Cash dividends to net income (ytd only)* | 57.5362% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 3,110 |
| Loan loss allowance to noncurrent loans | 61.8508% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.8036% | 768 |
| Noncurrent loans to loans | 1.8868% | 924 |
| Net loans and leases to total assets | 86.2505% | 244 |
| Net loans and leases to deposits | 100.7794% | 694 |
| Net loans and leases to core deposits | 126.0441% | 409 |
| Total domestic deposits to total assets | 85.5835% | 2,481 |
| Equity capital to assets | 8.4972% | 5,289 |
| Core capital (leverage) ratio | 8.6063% | 5,152 |
| Tier 1 risk-based capital ratio | 11.3318% | 5,056 |
| Total risk-based capital ratio | 12.5822% | 4,942 |
| Memoranda: | ||
| Average total assets | $63,731,000 | 4,939 |
| Average earning assets | $59,711,750 | 4,919 |
| Average equity | $5,319,000 | 5,277 |
| Average total loans | $54,350,250 | 4,385 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5052% | 246 |
| Cost of funding earning assets | 1.1326% | 84 |
| Net interest margin | 4.3726% | 738 |
| Noninterest income to average assets | 0.6170% | 2,383 |
| Noninterest expense to average assets | 3.8718% | 615 |
| Loan and lease loss provision to assets | 0.1322% | 1,576 |
| Net operating income to assets | 0.7083% | 3,806 |
| Return on assets (ROA) | 0.7083% | 3,873 |
| Pretax return on assets | 0.7083% | 4,527 |
| Return on Equity (ROE) | 8.5384% | 2,755 |
| Retained earnings to average equity (ytd only) | 4.7435% | 2,890 |
| Net charge-offs to loans | 0.4130% | 490 |
| Credit loss provision to net charge-offs | 37.8378% | 2,662 |
| Earnings coverage of net charge-offs (x) | 2.4054% | 3,166 |
| Efficiency ratio | 82.1643% | 990 |
| Assets per employee ($millions) | 2.5178% | 5,541 |
| Cash dividends to net income (ytd only)* | 44.4444% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8577% | 4,796 |
| Loan loss allowance to noncurrent loans | 58.0446% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 1.4679% | 1,051 |
| Noncurrent loans to loans | 1.4776% | 1,277 |
| Net loans and leases to total assets | 86.1307% | 263 |
| Net loans and leases to deposits | 100.1607% | 724 |
| Net loans and leases to core deposits | 124.5549% | 421 |
| Total domestic deposits to total assets | 85.9925% | 2,379 |
| Equity capital to assets | 8.5058% | 5,302 |
| Core capital (leverage) ratio | 8.4750% | 5,236 |
| Tier 1 risk-based capital ratio | 10.7594% | 5,357 |
| Total risk-based capital ratio | 11.7019% | 5,406 |
| Memoranda: | ||
| Average total assets | $63,536,330 | 4,983 |
| Average earning assets | $59,507,000 | 4,962 |
| Average equity | $5,270,330 | 5,321 |
| Average total loans | $53,758,000 | 4,430 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3498% | 299 |
| Cost of funding earning assets | 1.1970% | 58 |
| Net interest margin | 4.1528% | 1,089 |
| Noninterest income to average assets | 0.6141% | 2,350 |
| Noninterest expense to average assets | 3.7097% | 768 |
| Loan and lease loss provision to assets | 0.1316% | 1,454 |
| Net operating income to assets | 0.6642% | 3,859 |
| Return on assets (ROA) | 0.6642% | 3,899 |
| Pretax return on assets | 0.6642% | 4,549 |
| Return on Equity (ROE) | 8.1094% | 2,862 |
| Retained earnings to average equity (ytd only) | 4.0547% | 3,433 |
| Net charge-offs to loans | -0.1276% | 5,519 |
| Credit loss provision to net charge-offs | -123.5294% | 3,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3366% | 1,130 |
| Assets per employee ($millions) | 2.9170% | 5,415 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 3,838 |
| Loan loss allowance to noncurrent loans | 61.6292% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 1.6580% | 918 |
| Noncurrent loans to loans | 1.7484% | 1,088 |
| Net loans and leases to total assets | 82.2548% | 542 |
| Net loans and leases to deposits | 94.9202% | 1,026 |
| Net loans and leases to core deposits | 117.2549% | 553 |
| Total domestic deposits to total assets | 86.6568% | 2,370 |
| Equity capital to assets | 8.2010% | 5,415 |
| Core capital (leverage) ratio | 8.3366% | 5,353 |
| Tier 1 risk-based capital ratio | 11.0133% | 5,305 |
| Total risk-based capital ratio | 12.2045% | 5,249 |
| Memoranda: | ||
| Average total assets | $63,832,000 | 5,037 |
| Average earning assets | $59,815,000 | 5,007 |
| Average equity | $5,228,500 | 5,373 |
| Average total loans | $53,295,000 | 4,476 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7094% | 188 |
| Cost of funding earning assets | 1.0669% | 119 |
| Net interest margin | 4.6425% | 467 |
| Noninterest income to average assets | 0.6690% | 2,320 |
| Noninterest expense to average assets | 3.9548% | 643 |
| Loan and lease loss provision to assets | 0.2405% | 883 |
| Net operating income to assets | 0.8123% | 3,247 |
| Return on assets (ROA) | 0.8123% | 3,358 |
| Pretax return on assets | 0.8123% | 4,156 |
| Return on Equity (ROE) | 10.0810% | 1,924 |
| Retained earnings to average equity (ytd only) | 6.7602% | 1,326 |
| Net charge-offs to loans | 0.1505% | 1,757 |
| Credit loss provision to net charge-offs | 186.4198% | 1,507 |
| Earnings coverage of net charge-offs (x) | 8.1605% | 2,909 |
| Efficiency ratio | 78.9758% | 1,558 |
| Assets per employee ($millions) | 2.7604% | 5,517 |
| Cash dividends to net income (ytd only)* | 32.9412% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 4,264 |
| Loan loss allowance to noncurrent loans | 94.7090% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 1.1230% | 1,657 |
| Noncurrent loans to loans | 1.0652% | 1,946 |
| Net loans and leases to total assets | 82.9923% | 482 |
| Net loans and leases to deposits | 96.2850% | 967 |
| Net loans and leases to core deposits | 115.4062% | 642 |
| Total domestic deposits to total assets | 86.1945% | 2,492 |
| Equity capital to assets | 8.1809% | 5,481 |
| Core capital (leverage) ratio | 8.2918% | 5,443 |
| Tier 1 risk-based capital ratio | 10.6476% | 5,507 |
| Total risk-based capital ratio | 11.7340% | 5,514 |
| Memoranda: | ||
| Average total assets | $62,784,400 | 5,078 |
| Average earning assets | $58,675,200 | 5,055 |
| Average equity | $5,059,000 | 5,458 |
| Average total loans | $53,834,600 | 4,465 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7036% | 189 |
| Cost of funding earning assets | 1.0798% | 104 |
| Net interest margin | 4.6238% | 483 |
| Noninterest income to average assets | 0.6389% | 2,483 |
| Noninterest expense to average assets | 3.9142% | 660 |
| Loan and lease loss provision to assets | 0.2768% | 628 |
| Net operating income to assets | 0.7794% | 3,460 |
| Return on assets (ROA) | 0.7794% | 3,602 |
| Pretax return on assets | 0.7794% | 4,375 |
| Return on Equity (ROE) | 9.7108% | 2,181 |
| Retained earnings to average equity (ytd only) | 6.9513% | 1,655 |
| Net charge-offs to loans | 0.2001% | 1,171 |
| Credit loss provision to net charge-offs | 160.4938% | 1,699 |
| Earnings coverage of net charge-offs (x) | 6.1233% | 3,037 |
| Efficiency ratio | 78.7489% | 1,588 |
| Assets per employee ($millions) | 2.7605% | 5,571 |
| Cash dividends to net income (ytd only)* | 28.4145% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9441% | 4,688 |
| Loan loss allowance to noncurrent loans | 68.6667% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 1.7499% | 956 |
| Noncurrent loans to loans | 1.3749% | 1,603 |
| Net loans and leases to total assets | 85.1066% | 318 |
| Net loans and leases to deposits | 98.8747% | 787 |
| Net loans and leases to core deposits | 122.5228% | 441 |
| Total domestic deposits to total assets | 86.0752% | 2,316 |
| Equity capital to assets | 8.1602% | 5,684 |
| Core capital (leverage) ratio | 8.2287% | 5,553 |
| Tier 1 risk-based capital ratio | 11.2227% | 5,246 |
| Total risk-based capital ratio | 12.3379% | 5,227 |
| Memoranda: | ||
| Average total assets | $62,608,250 | 5,128 |
| Average earning assets | $58,651,750 | 5,099 |
| Average equity | $5,025,250 | 5,523 |
| Average total loans | $53,986,250 | 4,495 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7377% | 180 |
| Cost of funding earning assets | 1.0975% | 93 |
| Net interest margin | 4.6402% | 472 |
| Noninterest income to average assets | 0.5906% | 2,664 |
| Noninterest expense to average assets | 3.9381% | 643 |
| Loan and lease loss provision to assets | 0.3498% | 470 |
| Net operating income to assets | 0.6451% | 4,065 |
| Return on assets (ROA) | 0.6451% | 4,209 |
| Pretax return on assets | 0.6451% | 4,773 |
| Return on Equity (ROE) | 8.0831% | 2,942 |
| Retained earnings to average equity (ytd only) | 5.7507% | 2,265 |
| Net charge-offs to loans | 0.1301% | 1,552 |
| Credit loss provision to net charge-offs | 311.4286% | 937 |
| Earnings coverage of net charge-offs (x) | 8.8571% | 2,478 |
| Efficiency ratio | 79.8308% | 1,513 |
| Assets per employee ($millions) | 2.6503% | 5,707 |
| Cash dividends to net income (ytd only)* | 28.8557% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 4,503 |
| Loan loss allowance to noncurrent loans | 63.3803% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 2.0145% | 815 |
| Noncurrent loans to loans | 1.5814% | 1,356 |
| Net loans and leases to total assets | 87.4947% | 170 |
| Net loans and leases to deposits | 103.6335% | 473 |
| Net loans and leases to core deposits | 131.4739% | 283 |
| Total domestic deposits to total assets | 84.4270% | 3,113 |
| Equity capital to assets | 8.3320% | 5,677 |
| Core capital (leverage) ratio | 8.1602% | 5,624 |
| Tier 1 risk-based capital ratio | 11.5301% | 5,134 |
| Total risk-based capital ratio | 12.7635% | 5,030 |
| Memoranda: | ||
| Average total assets | $62,314,000 | 5,194 |
| Average earning assets | $58,316,330 | 5,158 |
| Average equity | $4,973,330 | 5,592 |
| Average total loans | $53,798,330 | 4,534 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6712% | 196 |
| Cost of funding earning assets | 1.1058% | 92 |
| Net interest margin | 4.5655% | 537 |
| Noninterest income to average assets | 0.4826% | 3,241 |
| Noninterest expense to average assets | 3.7973% | 780 |
| Loan and lease loss provision to assets | 0.4826% | 264 |
| Net operating income to assets | 0.4763% | 4,720 |
| Return on assets (ROA) | 0.4763% | 4,815 |
| Pretax return on assets | 0.4763% | 5,147 |
| Return on Equity (ROE) | 6.0969% | 3,935 |
| Retained earnings to average equity (ytd only) | 1.3820% | 4,706 |
| Net charge-offs to loans | 0.2902% | 734 |
| Credit loss provision to net charge-offs | 194.8718% | 1,102 |
| Earnings coverage of net charge-offs (x) | 3.8718% | 2,494 |
| Efficiency ratio | 79.8398% | 1,629 |
| Assets per employee ($millions) | 2.7047% | 5,727 |
| Cash dividends to net income (ytd only)* | 77.3333% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 4,955 |
| Loan loss allowance to noncurrent loans | 47.2300% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 2.1814% | 763 |
| Noncurrent loans to loans | 1.9663% | 1,098 |
| Net loans and leases to total assets | 86.2576% | 206 |
| Net loans and leases to deposits | 101.4424% | 535 |
| Net loans and leases to core deposits | 131.9173% | 243 |
| Total domestic deposits to total assets | 85.0311% | 3,124 |
| Equity capital to assets | 7.9378% | 5,844 |
| Core capital (leverage) ratio | 7.8364% | 5,834 |
| Tier 1 risk-based capital ratio | 10.6417% | 5,689 |
| Total risk-based capital ratio | 11.7287% | 5,675 |
| Memoranda: | ||
| Average total assets | $62,992,000 | 5,221 |
| Average earning assets | $58,964,500 | 5,188 |
| Average equity | $4,920,500 | 5,638 |
| Average total loans | $53,760,000 | 4,561 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7530% | 184 |
| Cost of funding earning assets | 1.1758% | 63 |
| Net interest margin | 4.5772% | 572 |
| Noninterest income to average assets | 0.5007% | 3,326 |
| Noninterest expense to average assets | 3.8039% | 856 |
| Loan and lease loss provision to assets | 0.1344% | 1,778 |
| Net operating income to assets | 0.8030% | 3,322 |
| Return on assets (ROA) | 0.8030% | 3,408 |
| Pretax return on assets | 0.8030% | 4,173 |
| Return on Equity (ROE) | 10.3826% | 1,851 |
| Retained earnings to average equity (ytd only) | 1.6546% | 4,781 |
| Net charge-offs to loans | 0.1591% | 1,787 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 6.9762% | 3,140 |
| Efficiency ratio | 80.2294% | 1,642 |
| Assets per employee ($millions) | 2.6573% | 5,807 |
| Cash dividends to net income (ytd only)* | 84.0637% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8734% | 5,188 |
| Loan loss allowance to noncurrent loans | 49.2600% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 2.0808% | 829 |
| Noncurrent loans to loans | 1.7730% | 1,253 |
| Net loans and leases to total assets | 82.9338% | 490 |
| Net loans and leases to deposits | 96.9979% | 910 |
| Net loans and leases to core deposits | 124.5784% | 365 |
| Total domestic deposits to total assets | 85.5006% | 2,861 |
| Equity capital to assets | 7.6880% | 5,948 |
| Core capital (leverage) ratio | 8.1013% | 5,775 |
| Tier 1 risk-based capital ratio | 10.4760% | 5,784 |
| Total risk-based capital ratio | 11.4717% | 5,814 |
| Memoranda: | ||
| Average total assets | $62,515,600 | 5,258 |
| Average earning assets | $57,917,800 | 5,240 |
| Average equity | $4,835,000 | 5,689 |
| Average total loans | $52,808,200 | 4,587 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7337% | 188 |
| Cost of funding earning assets | 1.1995% | 58 |
| Net interest margin | 4.5341% | 608 |
| Noninterest income to average assets | 0.5037% | 3,338 |
| Noninterest expense to average assets | 3.7319% | 929 |
| Loan and lease loss provision to assets | 0.1350% | 1,661 |
| Net operating income to assets | 0.8338% | 3,259 |
| Return on assets (ROA) | 0.8338% | 3,344 |
| Pretax return on assets | 0.8338% | 4,226 |
| Return on Equity (ROE) | 10.7648% | 1,800 |
| Retained earnings to average equity (ytd only) | 0.0554% | 5,579 |
| Net charge-offs to loans | 0.0785% | 2,426 |
| Credit loss provision to net charge-offs | 203.2258% | 1,319 |
| Earnings coverage of net charge-offs (x) | 14.5814% | 2,243 |
| Efficiency ratio | 79.3890% | 1,743 |
| Assets per employee ($millions) | 2.5852% | 5,913 |
| Cash dividends to net income (ytd only)* | 99.4871% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9230% | 5,108 |
| Loan loss allowance to noncurrent loans | 61.7866% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 2.1597% | 895 |
| Noncurrent loans to loans | 1.4938% | 1,681 |
| Net loans and leases to total assets | 86.1617% | 221 |
| Net loans and leases to deposits | 103.9755% | 446 |
| Net loans and leases to core deposits | 135.5142% | 212 |
| Total domestic deposits to total assets | 82.8673% | 3,858 |
| Equity capital to assets | 7.8008% | 6,018 |
| Core capital (leverage) ratio | 7.8953% | 5,949 |
| Tier 1 risk-based capital ratio | 10.7595% | 5,774 |
| Total risk-based capital ratio | 11.8693% | 5,758 |
| Memoranda: | ||
| Average total assets | $62,200,750 | 5,335 |
| Average earning assets | $57,576,500 | 5,321 |
| Average equity | $4,818,000 | 5,769 |
| Average total loans | $52,671,000 | 4,641 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7208% | 188 |
| Cost of funding earning assets | 1.2343% | 51 |
| Net interest margin | 4.4865% | 658 |
| Noninterest income to average assets | 0.5622% | 2,961 |
| Noninterest expense to average assets | 3.7589% | 920 |
| Loan and lease loss provision to assets | 0.1349% | 1,627 |
| Net operating income to assets | 0.8257% | 3,241 |
| Return on assets (ROA) | 0.8257% | 3,355 |
| Pretax return on assets | 0.8257% | 4,224 |
| Return on Equity (ROE) | 10.6846% | 1,784 |
| Retained earnings to average equity (ytd only) | 0.7899% | 5,245 |
| Net charge-offs to loans | 0.1225% | 1,785 |
| Credit loss provision to net charge-offs | 131.2500% | 1,682 |
| Earnings coverage of net charge-offs (x) | 9.3438% | 2,461 |
| Efficiency ratio | 79.6460% | 1,807 |
| Assets per employee ($millions) | 2.5365% | 6,011 |
| Cash dividends to net income (ytd only)* | 92.6070% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9286% | 5,187 |
| Loan loss allowance to noncurrent loans | 75.6757% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 1.9351% | 1,157 |
| Noncurrent loans to loans | 1.2271% | 2,200 |
| Net loans and leases to total assets | 83.4204% | 423 |
| Net loans and leases to deposits | 97.4834% | 836 |
| Net loans and leases to core deposits | 128.4572% | 300 |
| Total domestic deposits to total assets | 85.5740% | 2,887 |
| Equity capital to assets | 7.8767% | 6,027 |
| Core capital (leverage) ratio | 7.8617% | 5,988 |
| Tier 1 risk-based capital ratio | 11.2415% | 5,603 |
| Total risk-based capital ratio | 12.3457% | 5,591 |
| Memoranda: | ||
| Average total assets | $62,252,670 | 5,387 |
| Average earning assets | $57,684,000 | 5,378 |
| Average equity | $4,810,670 | 5,830 |
| Average total loans | $52,242,330 | 4,699 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8099% | 169 |
| Cost of funding earning assets | 1.2455% | 50 |
| Net interest margin | 4.5645% | 540 |
| Noninterest income to average assets | 0.4893% | 3,351 |
| Noninterest expense to average assets | 3.7305% | 965 |
| Loan and lease loss provision to assets | 0.1335% | 1,550 |
| Net operating income to assets | 0.8643% | 2,937 |
| Return on assets (ROA) | 0.8643% | 3,053 |
| Pretax return on assets | 0.8643% | 4,009 |
| Return on Equity (ROE) | 11.2898% | 1,557 |
| Retained earnings to average equity (ytd only) | -2.0753% | 5,695 |
| Net charge-offs to loans | 0.2048% | 1,117 |
| Credit loss provision to net charge-offs | 77.7778% | 1,849 |
| Earnings coverage of net charge-offs (x) | 5.8148% | 2,354 |
| Efficiency ratio | 78.8978% | 2,060 |
| Assets per employee ($millions) | 2.6325% | 6,019 |
| Cash dividends to net income (ytd only)* | 118.3824% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8956% | 5,450 |
| Loan loss allowance to noncurrent loans | 272.1893% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 1.4514% | 1,819 |
| Noncurrent loans to loans | 0.3290% | 4,615 |
| Net loans and leases to total assets | 80.5698% | 625 |
| Net loans and leases to deposits | 93.6217% | 1,027 |
| Net loans and leases to core deposits | 126.6804% | 286 |
| Total domestic deposits to total assets | 86.0589% | 2,910 |
| Equity capital to assets | 7.6227% | 6,147 |
| Core capital (leverage) ratio | 8.0003% | 5,946 |
| Tier 1 risk-based capital ratio | 10.4446% | 6,030 |
| Total risk-based capital ratio | 11.3906% | 6,076 |
| Memoranda: | ||
| Average total assets | $62,941,000 | 5,427 |
| Average earning assets | $58,451,500 | 5,401 |
| Average equity | $4,818,500 | 5,880 |
| Average total loans | $52,734,000 | 4,710 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0099% | 152 |
| Cost of funding earning assets | 1.3835% | 40 |
| Net interest margin | 4.6264% | 593 |
| Noninterest income to average assets | 0.5822% | 2,971 |
| Noninterest expense to average assets | 3.8366% | 935 |
| Loan and lease loss provision to assets | 0.2273% | 1,074 |
| Net operating income to assets | 0.7948% | 3,400 |
| Return on assets (ROA) | 0.7948% | 3,497 |
| Pretax return on assets | 0.7948% | 4,280 |
| Return on Equity (ROE) | 10.4252% | 1,942 |
| Retained earnings to average equity (ytd only) | 2.5527% | 4,420 |
| Net charge-offs to loans | 0.1833% | 2,203 |
| Credit loss provision to net charge-offs | 144.7917% | 1,649 |
| Earnings coverage of net charge-offs (x) | 6.5104% | 3,183 |
| Efficiency ratio | 78.9633% | 2,068 |
| Assets per employee ($millions) | 2.6126% | 6,094 |
| Cash dividends to net income (ytd only)* | 75.5144% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8613% | 5,599 |
| Loan loss allowance to noncurrent loans | 184.9206% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 1.4465% | 1,900 |
| Noncurrent loans to loans | 0.4658% | 4,257 |
| Net loans and leases to total assets | 85.5443% | 239 |
| Net loans and leases to deposits | 100.0354% | 617 |
| Net loans and leases to core deposits | 137.3959% | 182 |
| Total domestic deposits to total assets | 85.5140% | 3,075 |
| Equity capital to assets | 7.6887% | 6,184 |
| Core capital (leverage) ratio | 7.6838% | 6,137 |
| Tier 1 risk-based capital ratio | 10.1148% | 6,229 |
| Total risk-based capital ratio | 11.0931% | 6,259 |
| Memoranda: | ||
| Average total assets | $61,147,400 | 5,520 |
| Average earning assets | $56,523,600 | 5,506 |
| Average equity | $4,661,800 | 5,940 |
| Average total loans | $52,367,200 | 4,748 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9794% | 159 |
| Cost of funding earning assets | 1.4182% | 37 |
| Net interest margin | 4.5612% | 669 |
| Noninterest income to average assets | 0.6232% | 2,725 |
| Noninterest expense to average assets | 3.8600% | 898 |
| Loan and lease loss provision to assets | 0.2589% | 824 |
| Net operating income to assets | 0.7176% | 3,850 |
| Return on assets (ROA) | 0.7176% | 3,953 |
| Pretax return on assets | 0.7176% | 4,646 |
| Return on Equity (ROE) | 9.4329% | 2,483 |
| Retained earnings to average equity (ytd only) | 1.2404% | 5,399 |
| Net charge-offs to loans | 0.0180% | 4,170 |
| Credit loss provision to net charge-offs | 1,685.7143% | 211 |
| Earnings coverage of net charge-offs (x) | 63.5927% | 828 |
| Efficiency ratio | 79.8094% | 1,944 |
| Assets per employee ($millions) | 2.5577% | 6,185 |
| Cash dividends to net income (ytd only)* | 86.8506% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 5,140 |
| Loan loss allowance to noncurrent loans | 102.6923% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.7594% | 1,698 |
| Noncurrent loans to loans | 0.9897% | 3,097 |
| Net loans and leases to total assets | 84.7240% | 278 |
| Net loans and leases to deposits | 99.3315% | 649 |
| Net loans and leases to core deposits | 137.5119% | 167 |
| Total domestic deposits to total assets | 85.2942% | 3,217 |
| Equity capital to assets | 7.6779% | 6,256 |
| Core capital (leverage) ratio | 7.7097% | 6,214 |
| Tier 1 risk-based capital ratio | 10.1455% | 6,315 |
| Total risk-based capital ratio | 11.2885% | 6,301 |
| Memoranda: | ||
| Average total assets | $60,758,750 | 5,591 |
| Average earning assets | $56,124,750 | 5,576 |
| Average equity | $4,622,000 | 6,011 |
| Average total loans | $51,933,000 | 4,798 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9238% | 164 |
| Cost of funding earning assets | 1.3943% | 39 |
| Net interest margin | 4.5295% | 664 |
| Noninterest income to average assets | 0.6408% | 2,596 |
| Noninterest expense to average assets | 3.7159% | 1,115 |
| Loan and lease loss provision to assets | 0.3204% | 593 |
| Net operating income to assets | 0.7894% | 3,382 |
| Return on assets (ROA) | 0.7894% | 3,480 |
| Pretax return on assets | 0.7894% | 4,317 |
| Return on Equity (ROE) | 10.4102% | 1,975 |
| Retained earnings to average equity (ytd only) | 0.2178% | 5,625 |
| Net charge-offs to loans | 0.0425% | 3,372 |
| Credit loss provision to net charge-offs | 881.8182% | 373 |
| Earnings coverage of net charge-offs (x) | 30.5455% | 1,244 |
| Efficiency ratio | 77.0021% | 2,452 |
| Assets per employee ($millions) | 2.5180% | 6,281 |
| Cash dividends to net income (ytd only)* | 97.9079% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9843% | 5,413 |
| Loan loss allowance to noncurrent loans | 81.8620% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 2.2571% | 1,333 |
| Noncurrent loans to loans | 1.2024% | 2,829 |
| Net loans and leases to total assets | 84.8905% | 243 |
| Net loans and leases to deposits | 99.7182% | 570 |
| Net loans and leases to core deposits | 137.3263% | 154 |
| Total domestic deposits to total assets | 85.1304% | 3,443 |
| Equity capital to assets | 7.7227% | 6,290 |
| Core capital (leverage) ratio | 7.7327% | 6,236 |
| Tier 1 risk-based capital ratio | 10.1205% | 6,361 |
| Total risk-based capital ratio | 11.2183% | 6,364 |
| Memoranda: | ||
| Average total assets | $60,550,330 | 5,642 |
| Average earning assets | $55,944,000 | 5,626 |
| Average equity | $4,591,670 | 6,062 |
| Average total loans | $51,730,330 | 4,836 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8109% | 184 |
| Cost of funding earning assets | 1.3761% | 45 |
| Net interest margin | 4.4348% | 748 |
| Noninterest income to average assets | 0.4950% | 3,451 |
| Noninterest expense to average assets | 3.7222% | 1,097 |
| Loan and lease loss provision to assets | 0.5016% | 296 |
| Net operating income to assets | 0.3762% | 5,205 |
| Return on assets (ROA) | 0.3762% | 5,276 |
| Pretax return on assets | 0.3762% | 5,523 |
| Return on Equity (ROE) | 5.0066% | 4,552 |
| Retained earnings to average equity (ytd only) | -5.5336% | 6,157 |
| Net charge-offs to loans | 0.0696% | 2,452 |
| Credit loss provision to net charge-offs | 844.4444% | 357 |
| Earnings coverage of net charge-offs (x) | 14.7778% | 1,585 |
| Efficiency ratio | 80.9182% | 2,062 |
| Assets per employee ($millions) | 2.7279% | 6,174 |
| Cash dividends to net income (ytd only)* | 210.5263% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 5,733 |
| Loan loss allowance to noncurrent loans | 108.1678% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 2.0146% | 1,688 |
| Noncurrent loans to loans | 0.8707% | 3,718 |
| Net loans and leases to total assets | 85.8731% | 149 |
| Net loans and leases to deposits | 102.3210% | 357 |
| Net loans and leases to core deposits | 138.1117% | 138 |
| Total domestic deposits to total assets | 83.9251% | 4,296 |
| Equity capital to assets | 7.6084% | 6,275 |
| Core capital (leverage) ratio | 7.6404% | 6,290 |
| Tier 1 risk-based capital ratio | 9.8985% | 6,501 |
| Total risk-based capital ratio | 10.9452% | 6,506 |
| Memoranda: | ||
| Average total assets | $60,609,500 | 5,694 |
| Average earning assets | $56,101,500 | 5,662 |
| Average equity | $4,554,000 | 6,115 |
| Average total loans | $51,690,000 | 4,874 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0502% | 159 |
| Cost of funding earning assets | 1.3635% | 84 |
| Net interest margin | 4.6868% | 521 |
| Noninterest income to average assets | 0.7921% | 2,113 |
| Noninterest expense to average assets | 3.9147% | 970 |
| Loan and lease loss provision to assets | 0.1472% | 2,446 |
| Net operating income to assets | 1.0129% | 2,274 |
| Return on assets (ROA) | 1.0129% | 2,334 |
| Pretax return on assets | 1.0129% | 3,301 |
| Return on Equity (ROE) | 13.0034% | 1,167 |
| Retained earnings to average equity (ytd only) | 6.5917% | 1,634 |
| Net charge-offs to loans | 0.1279% | 3,537 |
| Credit loss provision to net charge-offs | 137.7049% | 1,700 |
| Earnings coverage of net charge-offs (x) | 10.8525% | 2,308 |
| Efficiency ratio | 77.1409% | 2,599 |
| Assets per employee ($millions) | 2.7821% | 6,134 |
| Cash dividends to net income (ytd only)* | 49.3080% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8237% | 6,117 |
| Loan loss allowance to noncurrent loans | 216.9231% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 1.6926% | 2,173 |
| Noncurrent loans to loans | 0.3797% | 5,055 |
| Net loans and leases to total assets | 83.2141% | 311 |
| Net loans and leases to deposits | 97.2374% | 646 |
| Net loans and leases to core deposits | 129.5452% | 200 |
| Total domestic deposits to total assets | 85.5782% | 3,470 |
| Equity capital to assets | 7.4208% | 6,319 |
| Core capital (leverage) ratio | 7.9240% | 6,189 |
| Tier 1 risk-based capital ratio | 9.8023% | 6,557 |
| Total risk-based capital ratio | 10.6853% | 6,594 |
| Memoranda: | ||
| Average total assets | $57,066,400 | 5,837 |
| Average earning assets | $52,147,000 | 5,831 |
| Average equity | $4,445,000 | 6,221 |
| Average total loans | $47,696,600 | 5,042 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0579% | 158 |
| Cost of funding earning assets | 1.3540% | 93 |
| Net interest margin | 4.7039% | 513 |
| Noninterest income to average assets | 0.7900% | 2,202 |
| Noninterest expense to average assets | 4.0119% | 844 |
| Loan and lease loss provision to assets | 0.1499% | 2,392 |
| Net operating income to assets | 0.9185% | 2,740 |
| Return on assets (ROA) | 0.9185% | 2,845 |
| Pretax return on assets | 0.9185% | 3,797 |
| Return on Equity (ROE) | 11.6417% | 1,603 |
| Retained earnings to average equity (ytd only) | 4.9462% | 3,122 |
| Net charge-offs to loans | 0.0684% | 3,942 |
| Credit loss provision to net charge-offs | 262.5000% | 956 |
| Earnings coverage of net charge-offs (x) | 18.7078% | 1,662 |
| Efficiency ratio | 78.9696% | 2,267 |
| Assets per employee ($millions) | 2.6522% | 6,327 |
| Cash dividends to net income (ytd only)* | 57.5129% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8796% | 6,108 |
| Loan loss allowance to noncurrent loans | 121.2707% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 1.9915% | 2,024 |
| Noncurrent loans to loans | 0.7253% | 4,400 |
| Net loans and leases to total assets | 84.7829% | 200 |
| Net loans and leases to deposits | 103.5978% | 315 |
| Net loans and leases to core deposits | 139.1757% | 125 |
| Total domestic deposits to total assets | 81.8386% | 4,983 |
| Equity capital to assets | 7.6505% | 6,329 |
| Core capital (leverage) ratio | 8.2008% | 6,060 |
| Tier 1 risk-based capital ratio | 10.2483% | 6,525 |
| Total risk-based capital ratio | 11.2330% | 6,563 |
| Memoranda: | ||
| Average total assets | $56,031,500 | 5,932 |
| Average earning assets | $51,105,250 | 5,925 |
| Average equity | $4,420,750 | 6,303 |
| Average total loans | $46,782,000 | 5,124 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0369% | 171 |
| Cost of funding earning assets | 1.3495% | 112 |
| Net interest margin | 4.6874% | 517 |
| Noninterest income to average assets | 0.7745% | 2,301 |
| Noninterest expense to average assets | 4.0319% | 833 |
| Loan and lease loss provision to assets | 0.1520% | 2,426 |
| Net operating income to assets | 0.8650% | 2,970 |
| Return on assets (ROA) | 0.8650% | 3,123 |
| Pretax return on assets | 0.8650% | 4,044 |
| Return on Equity (ROE) | 10.8480% | 1,861 |
| Retained earnings to average equity (ytd only) | 1.6794% | 5,177 |
| Net charge-offs to loans | 0.1399% | 2,984 |
| Credit loss provision to net charge-offs | 131.2500% | 1,730 |
| Earnings coverage of net charge-offs (x) | 8.7813% | 2,369 |
| Efficiency ratio | 79.8566% | 2,177 |
| Assets per employee ($millions) | 2.4296% | 6,553 |
| Cash dividends to net income (ytd only)* | 84.5188% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8961% | 6,141 |
| Loan loss allowance to noncurrent loans | 119.1860% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 2.3180% | 1,864 |
| Noncurrent loans to loans | 0.7519% | 4,420 |
| Net loans and leases to total assets | 84.8294% | 194 |
| Net loans and leases to deposits | 99.5237% | 450 |
| Net loans and leases to core deposits | 126.1490% | 224 |
| Total domestic deposits to total assets | 85.2354% | 3,773 |
| Equity capital to assets | 8.1606% | 6,085 |
| Core capital (leverage) ratio | 8.0913% | 6,115 |
| Tier 1 risk-based capital ratio | 10.6102% | 6,473 |
| Total risk-based capital ratio | 11.5897% | 6,528 |
| Memoranda: | ||
| Average total assets | $55,259,000 | 5,990 |
| Average earning assets | $50,390,330 | 5,980 |
| Average equity | $4,406,330 | 6,354 |
| Average total loans | $45,739,670 | 5,200 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8846% | 202 |
| Cost of funding earning assets | 1.3338% | 135 |
| Net interest margin | 4.5508% | 623 |
| Noninterest income to average assets | 0.7265% | 2,448 |
| Noninterest expense to average assets | 3.9528% | 938 |
| Loan and lease loss provision to assets | 0.1496% | 2,379 |
| Net operating income to assets | 0.7550% | 3,406 |
| Return on assets (ROA) | 0.7550% | 3,548 |
| Pretax return on assets | 0.7550% | 4,356 |
| Return on Equity (ROE) | 9.5743% | 2,236 |
| Retained earnings to average equity (ytd only) | 0.4516% | 5,643 |
| Net charge-offs to loans | 0.3061% | 1,737 |
| Credit loss provision to net charge-offs | 60.0000% | 2,443 |
| Earnings coverage of net charge-offs (x) | 3.6286% | 2,720 |
| Efficiency ratio | 81.3783% | 2,137 |
| Assets per employee ($millions) | 2.5047% | 6,581 |
| Cash dividends to net income (ytd only)* | 95.2830% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8518% | 6,362 |
| Loan loss allowance to noncurrent loans | 106.3361% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 2.8328% | 1,593 |
| Noncurrent loans to loans | 0.8011% | 4,521 |
| Net loans and leases to total assets | 81.5349% | 306 |
| Net loans and leases to deposits | 95.2653% | 582 |
| Net loans and leases to core deposits | 135.2021% | 145 |
| Total domestic deposits to total assets | 85.5873% | 3,749 |
| Equity capital to assets | 8.0339% | 6,361 |
| Core capital (leverage) ratio | 7.8328% | 6,263 |
| Tier 1 risk-based capital ratio | 10.6327% | 6,542 |
| Total risk-based capital ratio | 11.5617% | 6,622 |
| Memoranda: | ||
| Average total assets | $56,162,500 | 6,017 |
| Average earning assets | $50,980,500 | 6,020 |
| Average equity | $4,428,500 | 6,409 |
| Average total loans | $45,733,000 | 5,223 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4725% | 133 |
| Cost of funding earning assets | 1.6755% | 77 |
| Net interest margin | 4.7970% | 541 |
| Noninterest income to average assets | 0.8478% | 2,051 |
| Noninterest expense to average assets | 4.1397% | 825 |
| Loan and lease loss provision to assets | 0.1615% | 3,596 |
| Net operating income to assets | 0.9175% | 2,730 |
| Return on assets (ROA) | 0.9175% | 2,969 |
| Pretax return on assets | 0.9175% | 3,871 |
| Return on Equity (ROE) | 11.5260% | 1,646 |
| Retained earnings to average equity (ytd only) | 2.3744% | 4,560 |
| Net charge-offs to loans | 0.1225% | 4,453 |
| Credit loss provision to net charge-offs | 157.1429% | 1,711 |
| Earnings coverage of net charge-offs (x) | 10.5000% | 2,133 |
| Efficiency ratio | 79.3249% | 2,238 |
| Assets per employee ($millions) | 2.4879% | 6,626 |
| Cash dividends to net income (ytd only)* | 79.4000% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 6,353 |
| Loan loss allowance to noncurrent loans | 136.9863% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 2.6354% | 1,844 |
| Noncurrent loans to loans | 0.6327% | 4,942 |
| Net loans and leases to total assets | 79.9549% | 473 |
| Net loans and leases to deposits | 92.4300% | 877 |
| Net loans and leases to core deposits | 134.1711% | 159 |
| Total domestic deposits to total assets | 86.5032% | 3,095 |
| Equity capital to assets | 7.7419% | 6,527 |
| Core capital (leverage) ratio | 7.8636% | 6,304 |
| Tier 1 risk-based capital ratio | 10.0164% | 6,697 |
| Total risk-based capital ratio | 10.9263% | 6,759 |
| Memoranda: | ||
| Average total assets | $54,496,200 | 6,062 |
| Average earning assets | $49,656,400 | 6,067 |
| Average equity | $4,338,000 | 6,480 |
| Average total loans | $45,706,200 | 5,261 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7234% | 104 |
| Cost of funding earning assets | 1.7449% | 73 |
| Net interest margin | 4.9785% | 418 |
| Noninterest income to average assets | 0.6392% | 3,051 |
| Noninterest expense to average assets | 4.2515% | 687 |
| Loan and lease loss provision to assets | 0.1561% | 3,573 |
| Net operating income to assets | 0.7557% | 3,669 |
| Return on assets (ROA) | 0.7557% | 3,918 |
| Pretax return on assets | 0.7557% | 4,654 |
| Return on Equity (ROE) | 9.4243% | 2,625 |
| Retained earnings to average equity (ytd only) | -2.2556% | 6,423 |
| Net charge-offs to loans | 0.1871% | 3,620 |
| Credit loss provision to net charge-offs | 98.4375% | 3,045 |
| Earnings coverage of net charge-offs (x) | 5.7500% | 2,935 |
| Efficiency ratio | 82.3417% | 1,773 |
| Assets per employee ($millions) | 2.3861% | 6,796 |
| Cash dividends to net income (ytd only)* | 123.9340% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7885% | 6,625 |
| Loan loss allowance to noncurrent loans | 95.3247% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 2.9446% | 1,777 |
| Noncurrent loans to loans | 0.8272% | 4,762 |
| Net loans and leases to total assets | 84.1366% | 219 |
| Net loans and leases to deposits | 97.2761% | 583 |
| Net loans and leases to core deposits | 155.6548% | 93 |
| Total domestic deposits to total assets | 86.4926% | 2,985 |
| Equity capital to assets | 7.7531% | 6,692 |
| Core capital (leverage) ratio | 7.6728% | 6,540 |
| Tier 1 risk-based capital ratio | 9.8984% | 6,817 |
| Total risk-based capital ratio | 10.7554% | 6,889 |
| Memoranda: | ||
| Average total assets | $53,815,000 | 6,162 |
| Average earning assets | $48,902,750 | 6,167 |
| Average equity | $4,315,000 | 6,562 |
| Average total loans | $45,595,000 | 5,318 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8559% | 94 |
| Cost of funding earning assets | 1.8548% | 56 |
| Net interest margin | 5.0011% | 404 |
| Noninterest income to average assets | 0.6173% | 3,151 |
| Noninterest expense to average assets | 4.2462% | 692 |
| Loan and lease loss provision to assets | 0.1571% | 3,547 |
| Net operating income to assets | 0.7632% | 3,540 |
| Return on assets (ROA) | 0.7632% | 3,805 |
| Pretax return on assets | 0.7632% | 4,593 |
| Return on Equity (ROE) | 9.4118% | 2,607 |
| Retained earnings to average equity (ytd only) | 3.5063% | 4,260 |
| Net charge-offs to loans | 0.1369% | 3,830 |
| Credit loss provision to net charge-offs | 135.4839% | 2,033 |
| Earnings coverage of net charge-offs (x) | 7.9355% | 2,388 |
| Efficiency ratio | 82.1868% | 1,857 |
| Assets per employee ($millions) | 2.3253% | 6,890 |
| Cash dividends to net income (ytd only)* | 62.7451% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8301% | 6,614 |
| Loan loss allowance to noncurrent loans | 158.5774% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 2.4924% | 2,242 |
| Noncurrent loans to loans | 0.5235% | 5,475 |
| Net loans and leases to total assets | 84.6603% | 189 |
| Net loans and leases to deposits | 100.2613% | 410 |
| Net loans and leases to core deposits | 146.8730% | 118 |
| Total domestic deposits to total assets | 84.4396% | 4,120 |
| Equity capital to assets | 8.1897% | 6,464 |
| Core capital (leverage) ratio | 8.1275% | 6,126 |
| Tier 1 risk-based capital ratio | 10.8020% | 6,583 |
| Total risk-based capital ratio | 11.7360% | 6,685 |
| Memoranda: | ||
| Average total assets | $53,459,670 | 6,210 |
| Average earning assets | $48,629,330 | 6,211 |
| Average equity | $4,335,000 | 6,593 |
| Average total loans | $45,279,330 | 5,369 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7824% | 115 |
| Cost of funding earning assets | 1.7879% | 89 |
| Net interest margin | 4.9945% | 404 |
| Noninterest income to average assets | 0.5089% | 3,854 |
| Noninterest expense to average assets | 4.3780% | 610 |
| Loan and lease loss provision to assets | 0.1572% | 3,415 |
| Net operating income to assets | 0.5314% | 4,683 |
| Return on assets (ROA) | 0.5314% | 4,890 |
| Pretax return on assets | 0.5314% | 5,331 |
| Return on Equity (ROE) | 6.5855% | 3,999 |
| Retained earnings to average equity (ytd only) | 2.1333% | 5,197 |
| Net charge-offs to loans | -0.0621% | 6,617 |
| Credit loss provision to net charge-offs | -300.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4106% | 1,442 |
| Assets per employee ($millions) | 2.3354% | 6,972 |
| Cash dividends to net income (ytd only)* | 67.6056% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8807% | 6,582 |
| Loan loss allowance to noncurrent loans | 137.9791% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 2.6939% | 2,189 |
| Noncurrent loans to loans | 0.6383% | 5,364 |
| Net loans and leases to total assets | 82.9746% | 223 |
| Net loans and leases to deposits | 95.7423% | 554 |
| Net loans and leases to core deposits | 116.6850% | 366 |
| Total domestic deposits to total assets | 86.6646% | 3,135 |
| Equity capital to assets | 8.0649% | 6,474 |
| Core capital (leverage) ratio | 8.1050% | 6,153 |
| Tier 1 risk-based capital ratio | 10.8415% | 6,602 |
| Total risk-based capital ratio | 11.8321% | 6,698 |
| Memoranda: | ||
| Average total assets | $53,448,500 | 6,248 |
| Average earning assets | $48,773,500 | 6,245 |
| Average equity | $4,312,500 | 6,632 |
| Average total loans | $45,090,500 | 5,412 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7069% | 144 |
| Cost of funding earning assets | 1.8932% | 154 |
| Net interest margin | 4.8136% | 604 |
| Noninterest income to average assets | 0.5272% | 3,668 |
| Noninterest expense to average assets | 3.8942% | 1,193 |
| Loan and lease loss provision to assets | 0.2548% | 3,659 |
| Net operating income to assets | 0.7134% | 3,424 |
| Return on assets (ROA) | 0.7134% | 3,605 |
| Pretax return on assets | 0.7134% | 4,278 |
| Return on Equity (ROE) | 8.6687% | 2,601 |
| Retained earnings to average equity (ytd only) | 3.1912% | 3,949 |
| Net charge-offs to loans | -0.0386% | 7,024 |
| Credit loss provision to net charge-offs | -812.5000% | 6,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0887% | 2,285 |
| Assets per employee ($millions) | 2.1273% | 7,107 |
| Cash dividends to net income (ytd only)* | 63.1868% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8139% | 6,706 |
| Loan loss allowance to noncurrent loans | 77.1488% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 2.7396% | 2,218 |
| Noncurrent loans to loans | 1.0549% | 4,604 |
| Net loans and leases to total assets | 84.3277% | 196 |
| Net loans and leases to deposits | 97.6740% | 576 |
| Net loans and leases to core deposits | 121.2567% | 334 |
| Total domestic deposits to total assets | 86.3359% | 3,126 |
| Equity capital to assets | 8.0721% | 6,524 |
| Core capital (leverage) ratio | 8.1978% | 6,004 |
| Tier 1 risk-based capital ratio | 10.5167% | 6,679 |
| Total risk-based capital ratio | 11.4144% | 6,796 |
| Memoranda: | ||
| Average total assets | $51,025,200 | 6,335 |
| Average earning assets | $45,953,000 | 6,334 |
| Average equity | $4,199,000 | 6,702 |
| Average total loans | $41,399,600 | 5,622 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6919% | 153 |
| Cost of funding earning assets | 1.9103% | 172 |
| Net interest margin | 4.7816% | 648 |
| Noninterest income to average assets | 0.5414% | 3,577 |
| Noninterest expense to average assets | 4.0195% | 986 |
| Loan and lease loss provision to assets | 0.2879% | 3,212 |
| Net operating income to assets | 0.5308% | 4,403 |
| Return on assets (ROA) | 0.5308% | 4,592 |
| Pretax return on assets | 0.5308% | 5,039 |
| Return on Equity (ROE) | 6.4182% | 3,815 |
| Retained earnings to average equity (ytd only) | 1.1814% | 5,538 |
| Net charge-offs to loans | -0.0462% | 7,041 |
| Credit loss provision to net charge-offs | -778.5714% | 6,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0786% | 1,840 |
| Assets per employee ($millions) | 2.0446% | 7,222 |
| Cash dividends to net income (ytd only)* | 81.5926% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7964% | 6,826 |
| Loan loss allowance to noncurrent loans | 58.8737% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 2.9580% | 2,178 |
| Noncurrent loans to loans | 1.3528% | 4,276 |
| Net loans and leases to total assets | 84.0732% | 220 |
| Net loans and leases to deposits | 97.5153% | 606 |
| Net loans and leases to core deposits | 122.3215% | 332 |
| Total domestic deposits to total assets | 86.2154% | 3,085 |
| Equity capital to assets | 8.2168% | 6,550 |
| Core capital (leverage) ratio | 8.2493% | 6,060 |
| Tier 1 risk-based capital ratio | 11.0234% | 6,529 |
| Total risk-based capital ratio | 11.9256% | 6,697 |
| Memoranda: | ||
| Average total assets | $50,485,750 | 6,411 |
| Average earning assets | $45,367,250 | 6,406 |
| Average equity | $4,175,500 | 6,759 |
| Average total loans | $40,445,500 | 5,724 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5832% | 185 |
| Cost of funding earning assets | 1.8853% | 222 |
| Net interest margin | 4.6978% | 733 |
| Noninterest income to average assets | 0.5728% | 3,311 |
| Noninterest expense to average assets | 3.9542% | 1,114 |
| Loan and lease loss provision to assets | 0.2864% | 3,092 |
| Net operating income to assets | 0.5450% | 4,325 |
| Return on assets (ROA) | 0.5450% | 4,463 |
| Pretax return on assets | 0.5450% | 4,919 |
| Return on Equity (ROE) | 6.5750% | 3,658 |
| Retained earnings to average equity (ytd only) | 2.2556% | 4,856 |
| Net charge-offs to loans | -0.0506% | 7,031 |
| Credit loss provision to net charge-offs | -720.0000% | 6,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6268% | 2,006 |
| Assets per employee ($millions) | 2.0547% | 7,262 |
| Cash dividends to net income (ytd only)* | 65.6934% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7366% | 6,975 |
| Loan loss allowance to noncurrent loans | 81.9407% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 2.7819% | 2,404 |
| Noncurrent loans to loans | 0.8989% | 5,167 |
| Net loans and leases to total assets | 79.7535% | 551 |
| Net loans and leases to deposits | 91.5893% | 1,102 |
| Net loans and leases to core deposits | 113.6804% | 586 |
| Total domestic deposits to total assets | 87.0773% | 2,699 |
| Equity capital to assets | 8.2115% | 6,503 |
| Core capital (leverage) ratio | 8.4599% | 5,614 |
| Tier 1 risk-based capital ratio | 11.1231% | 6,431 |
| Total risk-based capital ratio | 11.9217% | 6,713 |
| Memoranda: | ||
| Average total assets | $50,276,000 | 6,475 |
| Average earning assets | $45,084,670 | 6,472 |
| Average equity | $4,167,330 | 6,799 |
| Average total loans | $39,487,670 | 5,821 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3261% | 269 |
| Cost of funding earning assets | 2.0486% | 146 |
| Net interest margin | 4.2776% | 1,632 |
| Noninterest income to average assets | 0.6515% | 2,835 |
| Noninterest expense to average assets | 3.6597% | 1,631 |
| Loan and lease loss provision to assets | 0.3298% | 2,576 |
| Net operating income to assets | 0.4746% | 4,600 |
| Return on assets (ROA) | 0.4746% | 4,682 |
| Pretax return on assets | 0.4746% | 5,104 |
| Return on Equity (ROE) | 5.6977% | 4,065 |
| Retained earnings to average equity (ytd only) | 2.3177% | 4,760 |
| Net charge-offs to loans | -0.0415% | 6,831 |
| Credit loss provision to net charge-offs | -1,025.0000% | 6,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9820% | 2,230 |
| Assets per employee ($millions) | 1.9170% | 7,394 |
| Cash dividends to net income (ytd only)* | 59.3220% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6883% | 7,089 |
| Loan loss allowance to noncurrent loans | 53.2803% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 2.9794% | 2,316 |
| Noncurrent loans to loans | 1.2919% | 4,540 |
| Net loans and leases to total assets | 77.5771% | 787 |
| Net loans and leases to deposits | 89.4901% | 1,296 |
| Net loans and leases to core deposits | 105.9981% | 939 |
| Total domestic deposits to total assets | 86.6879% | 3,125 |
| Equity capital to assets | 8.3203% | 6,138 |
| Core capital (leverage) ratio | 8.3629% | 5,696 |
| Tier 1 risk-based capital ratio | 11.5074% | 6,099 |
| Total risk-based capital ratio | 12.2415% | 6,497 |
| Memoranda: | ||
| Average total assets | $49,730,500 | 6,539 |
| Average earning assets | $44,324,000 | 6,552 |
| Average equity | $4,142,000 | 6,835 |
| Average total loans | $38,596,000 | 5,912 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1564% | 118 |
| Cost of funding earning assets | 2.2946% | 215 |
| Net interest margin | 4.8619% | 585 |
| Noninterest income to average assets | 0.6666% | 3,041 |
| Noninterest expense to average assets | 4.2731% | 838 |
| Loan and lease loss provision to assets | 0.2863% | 4,511 |
| Net operating income to assets | 0.4487% | 4,323 |
| Return on assets (ROA) | 0.4487% | 4,485 |
| Pretax return on assets | 0.4487% | 4,800 |
| Return on Equity (ROE) | 5.0892% | 4,029 |
| Retained earnings to average equity (ytd only) | 0.8482% | 5,124 |
| Net charge-offs to loans | 0.6491% | 3,064 |
| Credit loss provision to net charge-offs | 54.4715% | 6,187 |
| Earnings coverage of net charge-offs (x) | 1.3984% | 4,714 |
| Efficiency ratio | 85.3242% | 1,770 |
| Assets per employee ($millions) | 1.9084% | 7,454 |
| Cash dividends to net income (ytd only)* | 83.3333% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5829% | 7,282 |
| Loan loss allowance to noncurrent loans | 55.3350% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 3.1480% | 2,251 |
| Noncurrent loans to loans | 1.0534% | 4,966 |
| Net loans and leases to total assets | 76.6541% | 1,149 |
| Net loans and leases to deposits | 88.4926% | 1,720 |
| Net loans and leases to core deposits | 104.3627% | 1,290 |
| Total domestic deposits to total assets | 86.6221% | 3,018 |
| Equity capital to assets | 8.3375% | 6,101 |
| Core capital (leverage) ratio | 8.4202% | 5,500 |
| Tier 1 risk-based capital ratio | 11.2585% | 6,124 |
| Total risk-based capital ratio | 11.8595% | 6,600 |
| Memoranda: | ||
| Average total assets | $46,804,200 | 6,643 |
| Average earning assets | $41,794,600 | 6,645 |
| Average equity | $4,126,400 | 6,947 |
| Average total loans | $37,896,800 | 6,015 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1234% | 125 |
| Cost of funding earning assets | 2.2220% | 360 |
| Net interest margin | 4.9013% | 551 |
| Noninterest income to average assets | 0.6507% | 3,118 |
| Noninterest expense to average assets | 4.3209% | 731 |
| Loan and lease loss provision to assets | 0.3268% | 3,971 |
| Net operating income to assets | 0.3847% | 4,818 |
| Return on assets (ROA) | 0.3847% | 5,004 |
| Pretax return on assets | 0.4049% | 5,202 |
| Return on Equity (ROE) | 4.3002% | 4,643 |
| Retained earnings to average equity (ytd only) | 1.0670% | 5,389 |
| Net charge-offs to loans | 0.7300% | 2,598 |
| Credit loss provision to net charge-offs | 54.5894% | 5,812 |
| Earnings coverage of net charge-offs (x) | 1.2222% | 4,843 |
| Efficiency ratio | 85.5180% | 1,682 |
| Assets per employee ($millions) | 1.7878% | 7,595 |
| Cash dividends to net income (ytd only)* | 75.1875% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6191% | 7,326 |
| Loan loss allowance to noncurrent loans | 58.4951% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 2.8678% | 2,528 |
| Noncurrent loans to loans | 1.0584% | 5,126 |
| Net loans and leases to total assets | 83.2301% | 389 |
| Net loans and leases to deposits | 97.5565% | 836 |
| Net loans and leases to core deposits | 117.3151% | 706 |
| Total domestic deposits to total assets | 85.3147% | 3,456 |
| Equity capital to assets | 8.9432% | 5,654 |
| Core capital (leverage) ratio | 8.8093% | 4,993 |
| Tier 1 risk-based capital ratio | 11.5491% | 5,880 |
| Total risk-based capital ratio | 12.2177% | 6,391 |
| Memoranda: | ||
| Average total assets | $46,100,500 | 6,734 |
| Average earning assets | $41,402,500 | 6,745 |
| Average equity | $4,123,750 | 7,040 |
| Average total loans | $37,806,500 | 6,105 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0375% | 150 |
| Cost of funding earning assets | 2.1132% | 631 |
| Net interest margin | 4.9243% | 511 |
| Noninterest income to average assets | 0.5960% | 3,367 |
| Noninterest expense to average assets | 4.2503% | 762 |
| Loan and lease loss provision to assets | 0.4002% | 3,323 |
| Net operating income to assets | 0.3437% | 4,997 |
| Return on assets (ROA) | 0.3437% | 5,166 |
| Pretax return on assets | 0.3654% | 5,323 |
| Return on Equity (ROE) | 3.8418% | 4,852 |
| Retained earnings to average equity (ytd only) | -1.0212% | 5,972 |
| Net charge-offs to loans | 0.9617% | 1,919 |
| Credit loss provision to net charge-offs | 51.1111% | 5,390 |
| Earnings coverage of net charge-offs (x) | 0.9778% | 4,803 |
| Efficiency ratio | 84.7355% | 1,843 |
| Assets per employee ($millions) | 1.7992% | 7,651 |
| Cash dividends to net income (ytd only)* | 126.5823% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6471% | 7,343 |
| Loan loss allowance to noncurrent loans | 104.6610% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 2.5930% | 2,799 |
| Noncurrent loans to loans | 0.6182% | 6,012 |
| Net loans and leases to total assets | 81.0731% | 660 |
| Net loans and leases to deposits | 97.1938% | 944 |
| Net loans and leases to core deposits | 102.6581% | 1,770 |
| Total domestic deposits to total assets | 83.4139% | 4,385 |
| Equity capital to assets | 8.7944% | 5,761 |
| Core capital (leverage) ratio | 8.8213% | 4,878 |
| Tier 1 risk-based capital ratio | 11.7219% | 5,567 |
| Total risk-based capital ratio | 12.4269% | 6,058 |
| Memoranda: | ||
| Average total assets | $45,973,330 | 6,789 |
| Average earning assets | $41,264,670 | 6,804 |
| Average equity | $4,112,670 | 7,071 |
| Average total loans | $37,432,670 | 6,170 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0817% | 156 |
| Cost of funding earning assets | 2.1041% | 804 |
| Net interest margin | 4.9777% | 438 |
| Noninterest income to average assets | 0.5530% | 3,630 |
| Noninterest expense to average assets | 4.3186% | 709 |
| Loan and lease loss provision to assets | 0.1843% | 4,665 |
| Net operating income to assets | 0.5179% | 4,302 |
| Return on assets (ROA) | 0.5179% | 4,443 |
| Pretax return on assets | 0.5354% | 4,832 |
| Return on Equity (ROE) | 5.7393% | 3,995 |
| Retained earnings to average equity (ytd only) | -3.9883% | 6,493 |
| Net charge-offs to loans | 0.2806% | 3,289 |
| Credit loss provision to net charge-offs | 80.7692% | 3,860 |
| Earnings coverage of net charge-offs (x) | 3.1538% | 3,003 |
| Efficiency ratio | 85.7143% | 1,821 |
| Assets per employee ($millions) | 1.7446% | 7,769 |
| Cash dividends to net income (ytd only)* | 169.4915% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8840% | 6,888 |
| Loan loss allowance to noncurrent loans | 52.3810% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 2.7403% | 2,655 |
| Noncurrent loans to loans | 1.6877% | 4,217 |
| Net loans and leases to total assets | 81.5675% | 638 |
| Net loans and leases to deposits | 96.7750% | 1,016 |
| Net loans and leases to core deposits | 101.4783% | 1,972 |
| Total domestic deposits to total assets | 84.2857% | 4,001 |
| Equity capital to assets | 9.0675% | 5,178 |
| Core capital (leverage) ratio | 8.8680% | 4,772 |
| Tier 1 risk-based capital ratio | 12.0429% | 5,154 |
| Total risk-based capital ratio | 13.0169% | 5,371 |
| Memoranda: | ||
| Average total assets | $45,570,000 | 6,892 |
| Average earning assets | $41,063,500 | 6,896 |
| Average equity | $4,112,000 | 7,137 |
| Average total loans | $37,062,500 | 6,263 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0551% | 256 |
| Cost of funding earning assets | 2.4775% | 1,080 |
| Net interest margin | 4.5776% | 1,025 |
| Noninterest income to average assets | 0.7829% | 2,490 |
| Noninterest expense to average assets | 4.0208% | 1,333 |
| Loan and lease loss provision to assets | 0.2728% | 5,228 |
| Net operating income to assets | 0.6121% | 3,288 |
| Return on assets (ROA) | 0.6121% | 3,358 |
| Pretax return on assets | 0.6321% | 3,805 |
| Return on Equity (ROE) | 6.8155% | 2,863 |
| Retained earnings to average equity (ytd only) | 4.5190% | 2,092 |
| Net charge-offs to loans | 0.2153% | 5,276 |
| Credit loss provision to net charge-offs | 157.6923% | 2,848 |
| Earnings coverage of net charge-offs (x) | 5.2308% | 2,653 |
| Efficiency ratio | 81.6299% | 2,654 |
| Assets per employee ($millions) | 1.6350% | 7,869 |
| Cash dividends to net income (ytd only)* | 33.6957% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9104% | 6,769 |
| Loan loss allowance to noncurrent loans | 51.5385% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 2.8659% | 2,450 |
| Noncurrent loans to loans | 1.7665% | 3,986 |
| Net loans and leases to total assets | 79.6439% | 1,054 |
| Net loans and leases to deposits | 94.8098% | 1,490 |
| Net loans and leases to core deposits | 103.3094% | 3,649 |
| Total domestic deposits to total assets | 84.0039% | 4,022 |
| Equity capital to assets | 8.9799% | 5,176 |
| Core capital (leverage) ratio | 8.9700% | 4,475 |
| Tier 1 risk-based capital ratio | 13.0688% | 4,098 |
| Total risk-based capital ratio | 14.1312% | 4,177 |
| Memoranda: | ||
| Average total assets | $45,090,400 | 6,910 |
| Average earning assets | $40,807,200 | 6,914 |
| Average equity | $4,049,600 | 7,271 |
| Average total loans | $36,226,000 | 6,294 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0717% | 268 |
| Cost of funding earning assets | 2.5555% | 1,143 |
| Net interest margin | 4.5162% | 1,158 |
| Noninterest income to average assets | 0.5877% | 3,797 |
| Noninterest expense to average assets | 3.8499% | 1,511 |
| Loan and lease loss provision to assets | 0.1840% | 5,526 |
| Net operating income to assets | 0.6352% | 3,475 |
| Return on assets (ROA) | 0.6352% | 3,543 |
| Pretax return on assets | 0.6560% | 3,999 |
| Return on Equity (ROE) | 7.0727% | 3,042 |
| Retained earnings to average equity (ytd only) | 3.9990% | 3,043 |
| Net charge-offs to loans | 0.0887% | 5,797 |
| Credit loss provision to net charge-offs | 258.3333% | 1,656 |
| Earnings coverage of net charge-offs (x) | 11.7913% | 1,821 |
| Efficiency ratio | 82.0886% | 2,570 |
| Assets per employee ($millions) | 1.6363% | 7,955 |
| Cash dividends to net income (ytd only)* | 43.4585% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8848% | 6,826 |
| Loan loss allowance to noncurrent loans | 34.0249% | 6,167 |
| Noncurrent assets plus other real estate owned to assets | 3.4901% | 1,909 |
| Noncurrent loans to loans | 2.6005% | 2,902 |
| Net loans and leases to total assets | 80.1964% | 1,134 |
| Net loans and leases to deposits | 95.9923% | 1,579 |
| Net loans and leases to core deposits | 105.4986% | 3,757 |
| Total domestic deposits to total assets | 83.5447% | 3,933 |
| Equity capital to assets | 8.9905% | 5,491 |
| Core capital (leverage) ratio | 8.8999% | 4,812 |
| Tier 1 risk-based capital ratio | 13.2751% | 4,003 |
| Total risk-based capital ratio | 14.3361% | 4,066 |
| Memoranda: | ||
| Average total assets | $44,918,000 | 6,967 |
| Average earning assets | $40,800,000 | 6,968 |
| Average equity | $4,034,250 | 7,343 |
| Average total loans | $36,083,500 | 6,343 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0864% | 273 |
| Cost of funding earning assets | 2.6524% | 1,155 |
| Net interest margin | 4.4339% | 1,327 |
| Noninterest income to average assets | 0.5962% | 3,727 |
| Noninterest expense to average assets | 3.8235% | 1,620 |
| Loan and lease loss provision to assets | 0.1838% | 5,197 |
| Net operating income to assets | 0.5827% | 3,758 |
| Return on assets (ROA) | 0.5827% | 3,863 |
| Pretax return on assets | 0.6051% | 4,308 |
| Return on Equity (ROE) | 6.4903% | 3,442 |
| Retained earnings to average equity (ytd only) | 2.7958% | 3,768 |
| Net charge-offs to loans | 0.0112% | 6,406 |
| Credit loss provision to net charge-offs | 2,050.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 436 |
| Efficiency ratio | 82.8960% | 2,614 |
| Assets per employee ($millions) | 1.9446% | 7,889 |
| Cash dividends to net income (ytd only)* | 56.9231% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9207% | 6,680 |
| Loan loss allowance to noncurrent loans | 64.3836% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 2.4728% | 2,609 |
| Noncurrent loans to loans | 1.4301% | 4,354 |
| Net loans and leases to total assets | 79.1575% | 1,488 |
| Net loans and leases to deposits | 95.9692% | 1,802 |
| Net loans and leases to core deposits | 106.1398% | 3,824 |
| Total domestic deposits to total assets | 82.4822% | 4,490 |
| Equity capital to assets | 9.0149% | 5,291 |
| Core capital (leverage) ratio | 9.0293% | 4,581 |
| Tier 1 risk-based capital ratio | 13.2339% | 3,977 |
| Total risk-based capital ratio | 14.3119% | 4,022 |
| Memoranda: | ||
| Average total assets | $44,619,000 | 7,032 |
| Average earning assets | $40,415,670 | 7,039 |
| Average equity | $4,006,000 | 7,409 |
| Average total loans | $35,754,670 | 6,420 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9801% | 354 |
| Cost of funding earning assets | 2.6984% | 1,277 |
| Net interest margin | 4.2816% | 1,644 |
| Noninterest income to average assets | 0.5565% | 3,869 |
| Noninterest expense to average assets | 3.8236% | 1,424 |
| Loan and lease loss provision to assets | 0.1795% | 4,657 |
| Net operating income to assets | 0.3949% | 4,876 |
| Return on assets (ROA) | 0.3949% | 5,054 |
| Pretax return on assets | 0.4129% | 5,354 |
| Return on Equity (ROE) | 4.4077% | 4,744 |
| Retained earnings to average equity (ytd only) | 1.7030% | 4,896 |
| Net charge-offs to loans | -0.0559% | 7,729 |
| Credit loss provision to net charge-offs | -400.0000% | 6,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5854% | 2,007 |
| Assets per employee ($millions) | 1.9129% | 7,953 |
| Cash dividends to net income (ytd only)* | 61.3636% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 6,812 |
| Loan loss allowance to noncurrent loans | 41.7219% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 3.1616% | 1,768 |
| Noncurrent loans to loans | 2.1200% | 3,090 |
| Net loans and leases to total assets | 80.2305% | 1,336 |
| Net loans and leases to deposits | 98.0283% | 1,663 |
| Net loans and leases to core deposits | 108.2161% | 3,653 |
| Total domestic deposits to total assets | 81.8442% | 4,617 |
| Equity capital to assets | 9.0893% | 5,241 |
| Core capital (leverage) ratio | 9.0072% | 4,702 |
| Tier 1 risk-based capital ratio | 14.0199% | 3,575 |
| Total risk-based capital ratio | 15.1237% | 3,581 |
| Memoranda: | ||
| Average total assets | $44,565,500 | 7,079 |
| Average earning assets | $40,171,500 | 7,091 |
| Average equity | $3,993,000 | 7,460 |
| Average total loans | $35,765,500 | 6,449 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5208% | 400 |
| Cost of funding earning assets | 3.1099% | 1,475 |
| Net interest margin | 4.4109% | 1,661 |
| Noninterest income to average assets | 0.4260% | 5,249 |
| Noninterest expense to average assets | 3.7092% | 1,942 |
| Loan and lease loss provision to assets | 0.1581% | 5,347 |
| Net operating income to assets | 0.5776% | 4,406 |
| Return on assets (ROA) | 0.5776% | 4,270 |
| Pretax return on assets | 0.6017% | 4,684 |
| Return on Equity (ROE) | 6.7581% | 3,644 |
| Retained earnings to average equity (ytd only) | 2.4412% | 3,675 |
| Net charge-offs to loans | 0.1721% | 4,482 |
| Credit loss provision to net charge-offs | 116.1290% | 4,645 |
| Earnings coverage of net charge-offs (x) | 5.5806% | 3,597 |
| Efficiency ratio | 82.9975% | 2,182 |
| Assets per employee ($millions) | 1.9623% | 7,944 |
| Cash dividends to net income (ytd only)* | 63.8783% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8074% | 7,077 |
| Loan loss allowance to noncurrent loans | 101.7544% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.5111% | 3,195 |
| Noncurrent loans to loans | 0.7935% | 5,057 |
| Net loans and leases to total assets | 78.9361% | 1,902 |
| Net loans and leases to deposits | 95.5404% | 2,520 |
| Net loans and leases to core deposits | 104.2091% | 4,372 |
| Total domestic deposits to total assets | 82.6206% | 3,940 |
| Equity capital to assets | 8.8337% | 5,596 |
| Core capital (leverage) ratio | 8.8584% | 4,960 |
| Tier 1 risk-based capital ratio | 12.5884% | 4,383 |
| Total risk-based capital ratio | 13.5040% | 4,514 |
| Memoranda: | ||
| Average total assets | $45,535,400 | 6,956 |
| Average earning assets | $41,737,800 | 6,960 |
| Average equity | $3,891,600 | 7,554 |
| Average total loans | $36,021,600 | 6,365 |