Home > The First National Bank of Spearville > Performance and Condition Ratios
The First National Bank of Spearville, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0182% | 3,940 |
| Cost of funding earning assets | 1.0664% | 3,157 |
| Net interest margin | 2.9518% | 3,391 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 1.6618% | 4,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0518% | 2,061 |
| Return on assets (ROA) | 1.0518% | 2,031 |
| Pretax return on assets | 1.3718% | 1,698 |
| Return on Equity (ROE) | 8.6600% | 2,843 |
| Retained earnings to average equity (ytd only) | 3.4437% | 3,146 |
| Net charge-offs to loans | 0.0078% | 2,381 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 411.5000% | 343 |
| Efficiency ratio | 54.7802% | 3,621 |
| Assets per employee ($millions) | 12.5363% | 364 |
| Cash dividends to net income (ytd only)* | 60.2219% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7456% | 599 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 37.2700% | 4,117 |
| Net loans and leases to deposits | 41.3668% | 4,166 |
| Net loans and leases to core deposits | 41.8692% | 4,259 |
| Total domestic deposits to total assets | 90.0900% | 733 |
| Equity capital to assets | 9.7104% | 2,192 |
| Core capital (leverage) ratio | 10.5496% | 2,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $59,994,000 | 4,214 |
| Average earning assets | $53,357,800 | 4,214 |
| Average equity | $7,288,600 | 4,014 |
| Average total loans | $25,691,600 | 4,207 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9701% | 3,900 |
| Cost of funding earning assets | 0.9341% | 3,193 |
| Net interest margin | 3.0359% | 3,266 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 1.5567% | 4,274 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1366% | 1,950 |
| Return on assets (ROA) | 1.1366% | 1,929 |
| Pretax return on assets | 1.5306% | 1,506 |
| Return on Equity (ROE) | 8.7700% | 2,991 |
| Retained earnings to average equity (ytd only) | 8.7676% | 1,748 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.4228% | 3,882 |
| Assets per employee ($millions) | 8.5268% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9035% | 472 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 50.2600% | 3,600 |
| Net loans and leases to deposits | 59.2794% | 3,543 |
| Net loans and leases to core deposits | 59.2794% | 3,728 |
| Total domestic deposits to total assets | 84.7900% | 2,564 |
| Equity capital to assets | 14.7222% | 561 |
| Core capital (leverage) ratio | 13.1095% | 1,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $56,187,500 | 4,269 |
| Average earning assets | $49,670,500 | 4,279 |
| Average equity | $7,284,250 | 4,011 |
| Average total loans | $24,982,250 | 4,229 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7369% | 4,102 |
| Cost of funding earning assets | 0.7746% | 3,282 |
| Net interest margin | 2.9623% | 3,535 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 1.5312% | 4,307 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9920% | 2,445 |
| Return on assets (ROA) | 0.9920% | 2,433 |
| Pretax return on assets | 1.3376% | 1,967 |
| Return on Equity (ROE) | 7.9700% | 3,240 |
| Retained earnings to average equity (ytd only) | 7.9704% | 1,973 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.3735% | 3,660 |
| Assets per employee ($millions) | 8.5243% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0129% | 405 |
| Loan loss allowance to noncurrent loans | 328.2895% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.2972% | 1,730 |
| Noncurrent loans to loans | 0.6132% | 1,218 |
| Net loans and leases to total assets | 47.4900% | 3,716 |
| Net loans and leases to deposits | 55.6329% | 3,666 |
| Net loans and leases to core deposits | 55.6329% | 3,826 |
| Total domestic deposits to total assets | 85.3700% | 2,437 |
| Equity capital to assets | 14.3511% | 595 |
| Core capital (leverage) ratio | 12.3648% | 1,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $57,863,000 | 4,270 |
| Average earning assets | $51,379,333 | 4,276 |
| Average equity | $7,201,667 | 4,047 |
| Average total loans | $24,571,333 | 4,251 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5105% | 4,245 |
| Cost of funding earning assets | 0.6610% | 3,187 |
| Net interest margin | 2.8496% | 3,865 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 1.4570% | 4,423 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0323% | 2,427 |
| Return on assets (ROA) | 1.0323% | 2,396 |
| Pretax return on assets | 1.3917% | 1,901 |
| Return on Equity (ROE) | 8.8600% | 3,089 |
| Retained earnings to average equity (ytd only) | 8.8608% | 1,988 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.1468% | 3,842 |
| Assets per employee ($millions) | 8.7527% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1850% | 331 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 42.5400% | 3,928 |
| Net loans and leases to deposits | 49.4062% | 3,915 |
| Net loans and leases to core deposits | 49.4062% | 4,008 |
| Total domestic deposits to total assets | 86.1000% | 2,554 |
| Equity capital to assets | 13.7330% | 630 |
| Core capital (leverage) ratio | 11.2172% | 1,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $61,221,500 | 4,298 |
| Average earning assets | $54,464,500 | 4,298 |
| Average equity | $7,132,500 | 4,104 |
| Average total loans | $24,462,000 | 4,317 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9357% | 4,201 |
| Cost of funding earning assets | 0.2550% | 3,281 |
| Net interest margin | 2.6807% | 4,080 |
| Noninterest income to average assets | 0.0400% | 4,598 |
| Noninterest expense to average assets | 1.5559% | 4,360 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6201% | 3,832 |
| Return on assets (ROA) | 0.6201% | 3,783 |
| Pretax return on assets | 0.8875% | 3,402 |
| Return on Equity (ROE) | 4.7200% | 4,061 |
| Retained earnings to average equity (ytd only) | 1.1862% | 4,161 |
| Net charge-offs to loans | 0.0134% | 1,878 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 159.3333% | 760 |
| Efficiency ratio | 63.6778% | 2,540 |
| Assets per employee ($millions) | 11.6545% | 434 |
| Cash dividends to net income (ytd only)* | 74.8503% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9167% | 513 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 36.5900% | 4,190 |
| Net loans and leases to deposits | 40.7129% | 4,220 |
| Net loans and leases to core deposits | 40.7129% | 4,263 |
| Total domestic deposits to total assets | 89.8700% | 1,424 |
| Equity capital to assets | 10.0862% | 1,671 |
| Core capital (leverage) ratio | 10.6209% | 2,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $53,861,200 | 4,398 |
| Average earning assets | $48,233,800 | 4,397 |
| Average equity | $7,081,200 | 4,202 |
| Average total loans | $22,461,400 | 4,371 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8423% | 4,139 |
| Cost of funding earning assets | 0.2002% | 3,270 |
| Net interest margin | 2.6421% | 4,041 |
| Noninterest income to average assets | -0.1700% | 4,737 |
| Noninterest expense to average assets | 1.5568% | 4,355 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4842% | 4,108 |
| Return on assets (ROA) | 0.4842% | 4,056 |
| Pretax return on assets | 0.6420% | 3,913 |
| Return on Equity (ROE) | 3.4000% | 4,246 |
| Retained earnings to average equity (ytd only) | 3.4046% | 3,664 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.8029% | 1,669 |
| Assets per employee ($millions) | 7.8062% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2363% | 329 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 46.9500% | 3,707 |
| Net loans and leases to deposits | 55.5429% | 3,515 |
| Net loans and leases to core deposits | 55.5429% | 3,654 |
| Total domestic deposits to total assets | 84.5300% | 3,381 |
| Equity capital to assets | 15.2657% | 433 |
| Core capital (leverage) ratio | 12.9761% | 916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $49,844,750 | 4,476 |
| Average earning assets | $44,610,000 | 4,463 |
| Average equity | $7,088,250 | 4,244 |
| Average total loans | $21,555,250 | 4,415 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6727% | 4,180 |
| Cost of funding earning assets | 0.1582% | 3,478 |
| Net interest margin | 2.5144% | 4,068 |
| Noninterest income to average assets | 0.1731% | 4,138 |
| Noninterest expense to average assets | 1.4121% | 4,514 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8142% | 2,906 |
| Return on assets (ROA) | 0.8142% | 2,877 |
| Pretax return on assets | 1.0109% | 2,687 |
| Return on Equity (ROE) | 5.8577% | 3,612 |
| Retained earnings to average equity (ytd only) | 5.8577% | 2,383 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2792% | 3,519 |
| Assets per employee ($millions) | 7.9927% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5036% | 261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 40.8458% | 4,036 |
| Net loans and leases to deposits | 48.1372% | 3,913 |
| Net loans and leases to core deposits | 48.1372% | 4,020 |
| Total domestic deposits to total assets | 84.8528% | 3,516 |
| Equity capital to assets | 14.9637% | 406 |
| Core capital (leverage) ratio | 12.6035% | 940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,847,333 | 4,505 |
| Average earning assets | $45,497,667 | 4,515 |
| Average equity | $7,067,667 | 4,311 |
| Average total loans | $21,242,667 | 4,477 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5013% | 4,268 |
| Cost of funding earning assets | 0.1446% | 3,572 |
| Net interest margin | 2.3567% | 4,140 |
| Noninterest income to average assets | 0.1224% | 4,395 |
| Noninterest expense to average assets | 1.3539% | 4,573 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6808% | 3,125 |
| Return on assets (ROA) | 0.6808% | 3,113 |
| Pretax return on assets | 0.8873% | 2,820 |
| Return on Equity (ROE) | 5.0759% | 3,604 |
| Retained earnings to average equity (ytd only) | 5.0759% | 2,567 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4096% | 3,443 |
| Assets per employee ($millions) | 8.7523% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6051% | 255 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 35.8095% | 4,222 |
| Net loans and leases to deposits | 41.4189% | 4,182 |
| Net loans and leases to core deposits | 41.6436% | 4,255 |
| Total domestic deposits to total assets | 86.4569% | 3,117 |
| Equity capital to assets | 13.4402% | 615 |
| Core capital (leverage) ratio | 11.8172% | 1,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,293,000 | 4,517 |
| Average earning assets | $47,015,500 | 4,518 |
| Average equity | $7,013,500 | 4,359 |
| Average total loans | $21,818,500 | 4,484 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6253% | 4,386 |
| Cost of funding earning assets | 0.2191% | 3,268 |
| Net interest margin | 2.4062% | 4,316 |
| Noninterest income to average assets | 1.4318% | 547 |
| Noninterest expense to average assets | 1.6785% | 4,327 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5079% | 992 |
| Return on assets (ROA) | 1.5127% | 1,023 |
| Pretax return on assets | 1.9799% | 626 |
| Return on Equity (ROE) | 10.7443% | 2,258 |
| Retained earnings to average equity (ytd only) | 3.6341% | 3,363 |
| Net charge-offs to loans | -0.0303% | 4,127 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9579% | 4,505 |
| Assets per employee ($millions) | 8.6787% | 1,028 |
| Cash dividends to net income (ytd only)* | 66.1765% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0675% | 553 |
| Loan loss allowance to noncurrent loans | 337.5839% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 2,108 |
| Noncurrent loans to loans | 0.6124% | 1,615 |
| Net loans and leases to total assets | 45.7559% | 3,712 |
| Net loans and leases to deposits | 52.9478% | 3,668 |
| Net loans and leases to core deposits | 53.6634% | 3,781 |
| Total domestic deposits to total assets | 86.4169% | 2,753 |
| Equity capital to assets | 13.3834% | 798 |
| Core capital (leverage) ratio | 12.1669% | 1,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,447,800 | 4,569 |
| Average earning assets | $45,633,000 | 4,554 |
| Average equity | $6,961,800 | 4,425 |
| Average total loans | $23,066,800 | 4,510 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6288% | 4,480 |
| Cost of funding earning assets | 0.2403% | 3,208 |
| Net interest margin | 2.3885% | 4,409 |
| Noninterest income to average assets | 1.7352% | 419 |
| Noninterest expense to average assets | 1.4620% | 4,634 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.8883% | 571 |
| Return on assets (ROA) | 1.8883% | 593 |
| Pretax return on assets | 2.4730% | 350 |
| Return on Equity (ROE) | 13.2372% | 1,632 |
| Retained earnings to average equity (ytd only) | 7.4902% | 2,229 |
| Net charge-offs to loans | -0.0410% | 4,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1528% | 4,789 |
| Assets per employee ($millions) | 8.0470% | 1,250 |
| Cash dividends to net income (ytd only)* | 43.4153% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1843% | 468 |
| Loan loss allowance to noncurrent loans | 246.5686% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 1,777 |
| Noncurrent loans to loans | 0.8859% | 1,296 |
| Net loans and leases to total assets | 46.6530% | 3,744 |
| Net loans and leases to deposits | 55.0357% | 3,651 |
| Net loans and leases to core deposits | 55.8545% | 3,784 |
| Total domestic deposits to total assets | 84.7687% | 3,190 |
| Equity capital to assets | 14.7198% | 592 |
| Core capital (leverage) ratio | 12.8783% | 874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,791,750 | 4,640 |
| Average earning assets | $44,936,250 | 4,628 |
| Average equity | $6,960,000 | 4,490 |
| Average total loans | $22,751,250 | 4,579 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5661% | 4,571 |
| Cost of funding earning assets | 0.2500% | 3,283 |
| Net interest margin | 2.3160% | 4,503 |
| Noninterest income to average assets | 2.2752% | 277 |
| Noninterest expense to average assets | 1.4828% | 4,638 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.2507% | 308 |
| Return on assets (ROA) | 2.2507% | 329 |
| Pretax return on assets | 2.9492% | 199 |
| Return on Equity (ROE) | 15.9456% | 972 |
| Retained earnings to average equity (ytd only) | 7.2638% | 2,335 |
| Net charge-offs to loans | -0.0530% | 4,399 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.4562% | 4,877 |
| Assets per employee ($millions) | 8.0692% | 1,177 |
| Cash dividends to net income (ytd only)* | 54.4465% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1591% | 461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 46.9854% | 3,826 |
| Net loans and leases to deposits | 55.1627% | 3,777 |
| Net loans and leases to core deposits | 56.6660% | 3,849 |
| Total domestic deposits to total assets | 85.1761% | 3,026 |
| Equity capital to assets | 14.3902% | 642 |
| Core capital (leverage) ratio | 12.2365% | 1,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $48,961,667 | 4,663 |
| Average earning assets | $45,595,000 | 4,645 |
| Average equity | $6,911,000 | 4,518 |
| Average total loans | $22,659,000 | 4,616 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5358% | 4,625 |
| Cost of funding earning assets | 0.2527% | 3,451 |
| Net interest margin | 2.2831% | 4,541 |
| Noninterest income to average assets | 2.8679% | 216 |
| Noninterest expense to average assets | 1.4380% | 4,705 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.7054% | 200 |
| Return on assets (ROA) | 2.7054% | 224 |
| Pretax return on assets | 3.5584% | 139 |
| Return on Equity (ROE) | 19.3520% | 582 |
| Retained earnings to average equity (ytd only) | 19.3520% | 295 |
| Net charge-offs to loans | -0.1073% | 4,657 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.7805% | 4,920 |
| Assets per employee ($millions) | 8.3235% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2684% | 384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 43.3071% | 4,154 |
| Net loans and leases to deposits | 50.5906% | 4,129 |
| Net loans and leases to core deposits | 51.9192% | 4,200 |
| Total domestic deposits to total assets | 85.6030% | 2,892 |
| Equity capital to assets | 14.1167% | 646 |
| Core capital (leverage) ratio | 12.4931% | 995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,235,000 | 4,681 |
| Average earning assets | $45,903,500 | 4,659 |
| Average equity | $6,883,000 | 4,535 |
| Average total loans | $22,363,500 | 4,648 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4116% | 4,176 |
| Cost of funding earning assets | 0.4325% | 3,391 |
| Net interest margin | 2.9790% | 3,936 |
| Noninterest income to average assets | 0.7289% | 1,749 |
| Noninterest expense to average assets | 1.7780% | 4,508 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.2830% | 1,296 |
| Return on assets (ROA) | 1.3458% | 1,232 |
| Pretax return on assets | 1.7499% | 767 |
| Return on Equity (ROE) | 8.3704% | 2,665 |
| Retained earnings to average equity (ytd only) | 0.6249% | 4,337 |
| Net charge-offs to loans | -0.0284% | 4,515 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8645% | 4,540 |
| Assets per employee ($millions) | 8.0882% | 1,009 |
| Cash dividends to net income (ytd only)* | 92.5347% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1950% | 414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 45.5418% | 4,156 |
| Net loans and leases to deposits | 53.5756% | 4,131 |
| Net loans and leases to core deposits | 54.5529% | 4,234 |
| Total domestic deposits to total assets | 85.0048% | 2,758 |
| Equity capital to assets | 13.8391% | 838 |
| Core capital (leverage) ratio | 12.5418% | 1,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,801,400 | 4,737 |
| Average earning assets | $39,073,000 | 4,728 |
| Average equity | $6,881,400 | 4,542 |
| Average total loans | $21,123,800 | 4,688 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6094% | 3,989 |
| Cost of funding earning assets | 0.4822% | 3,344 |
| Net interest margin | 3.1272% | 3,672 |
| Noninterest income to average assets | 0.8218% | 1,415 |
| Noninterest expense to average assets | 1.6791% | 4,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.5235% | 860 |
| Return on assets (ROA) | 1.6050% | 788 |
| Pretax return on assets | 2.0884% | 425 |
| Return on Equity (ROE) | 9.5913% | 2,172 |
| Retained earnings to average equity (ytd only) | 9.5913% | 848 |
| Net charge-offs to loans | -0.0257% | 4,483 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6236% | 4,805 |
| Assets per employee ($millions) | 6.9615% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2323% | 332 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 51.7992% | 3,981 |
| Net loans and leases to deposits | 62.8826% | 3,871 |
| Net loans and leases to core deposits | 64.7416% | 3,968 |
| Total domestic deposits to total assets | 82.3745% | 3,321 |
| Equity capital to assets | 17.1682% | 358 |
| Core capital (leverage) ratio | 15.0234% | 540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,369,500 | 4,774 |
| Average earning assets | $37,604,250 | 4,769 |
| Average equity | $6,922,750 | 4,555 |
| Average total loans | $20,755,500 | 4,728 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7225% | 4,038 |
| Cost of funding earning assets | 0.5410% | 3,289 |
| Net interest margin | 3.1815% | 3,717 |
| Noninterest income to average assets | 0.8197% | 1,381 |
| Noninterest expense to average assets | 1.6684% | 4,713 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5701% | 805 |
| Return on assets (ROA) | 1.6927% | 682 |
| Pretax return on assets | 2.1874% | 371 |
| Return on Equity (ROE) | 10.2047% | 1,926 |
| Retained earnings to average equity (ytd only) | 10.2047% | 756 |
| Net charge-offs to loans | -0.0296% | 4,533 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8571% | 4,836 |
| Assets per employee ($millions) | 7.0158% | 1,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2820% | 293 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 50.1508% | 4,158 |
| Net loans and leases to deposits | 60.4519% | 4,090 |
| Net loans and leases to core deposits | 62.2119% | 4,169 |
| Total domestic deposits to total assets | 82.9600% | 3,098 |
| Equity capital to assets | 16.6813% | 404 |
| Core capital (leverage) ratio | 14.7288% | 616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,236,333 | 4,800 |
| Average earning assets | $37,340,667 | 4,797 |
| Average equity | $6,840,000 | 4,587 |
| Average total loans | $20,297,333 | 4,764 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9434% | 3,949 |
| Cost of funding earning assets | 0.6920% | 2,970 |
| Net interest margin | 3.2514% | 3,724 |
| Noninterest income to average assets | 0.3627% | 3,345 |
| Noninterest expense to average assets | 1.7056% | 4,775 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2390% | 1,410 |
| Return on assets (ROA) | 1.4899% | 875 |
| Pretax return on assets | 1.8722% | 600 |
| Return on Equity (ROE) | 9.0087% | 2,109 |
| Retained earnings to average equity (ytd only) | 9.0087% | 973 |
| Net charge-offs to loans | -0.0407% | 4,573 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8498% | 4,678 |
| Assets per employee ($millions) | 6.7380% | 1,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6459% | 204 |
| Loan loss allowance to noncurrent loans | 162.9139% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.7470% | 1,812 |
| Noncurrent loans to loans | 1.6241% | 950 |
| Net loans and leases to total assets | 44.7784% | 4,480 |
| Net loans and leases to deposits | 54.0453% | 4,443 |
| Net loans and leases to core deposits | 55.6878% | 4,505 |
| Total domestic deposits to total assets | 82.8535% | 3,153 |
| Equity capital to assets | 16.8819% | 458 |
| Core capital (leverage) ratio | 14.7256% | 737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,807,000 | 4,836 |
| Average earning assets | $36,415,500 | 4,845 |
| Average equity | $6,749,000 | 4,629 |
| Average total loans | $19,644,000 | 4,811 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4342% | 3,156 |
| Cost of funding earning assets | 0.8060% | 2,655 |
| Net interest margin | 3.6283% | 3,047 |
| Noninterest income to average assets | 0.5761% | 2,334 |
| Noninterest expense to average assets | 1.9593% | 4,599 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4351% | 1,229 |
| Return on assets (ROA) | 1.4351% | 1,297 |
| Pretax return on assets | 1.8997% | 744 |
| Return on Equity (ROE) | 8.6124% | 2,901 |
| Retained earnings to average equity (ytd only) | 8.0517% | 960 |
| Net charge-offs to loans | -0.0622% | 4,863 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4869% | 4,806 |
| Assets per employee ($millions) | 6.8643% | 1,098 |
| Cash dividends to net income (ytd only)* | 6.5099% | 3,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3680% | 257 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 49.0531% | 4,369 |
| Net loans and leases to deposits | 59.8554% | 4,297 |
| Net loans and leases to core deposits | 61.6603% | 4,360 |
| Total domestic deposits to total assets | 81.9526% | 3,521 |
| Equity capital to assets | 16.2021% | 568 |
| Core capital (leverage) ratio | 14.6265% | 770 |
| Tier 1 risk-based capital ratio | 23.8546% | 844 |
| Total risk-based capital ratio | 25.1137% | 828 |
| Memoranda: | ||
| Average total assets | $38,533,200 | 4,918 |
| Average earning assets | $34,865,200 | 4,917 |
| Average equity | $6,421,000 | 4,707 |
| Average total loans | $20,889,600 | 4,843 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5474% | 2,905 |
| Cost of funding earning assets | 0.8363% | 2,530 |
| Net interest margin | 3.7110% | 2,879 |
| Noninterest income to average assets | 0.5457% | 2,484 |
| Noninterest expense to average assets | 1.7956% | 4,819 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5984% | 936 |
| Return on assets (ROA) | 1.5984% | 976 |
| Pretax return on assets | 2.1089% | 537 |
| Return on Equity (ROE) | 9.5206% | 2,661 |
| Retained earnings to average equity (ytd only) | 8.7656% | 1,112 |
| Net charge-offs to loans | -0.0573% | 4,865 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7331% | 5,025 |
| Assets per employee ($millions) | 6.2958% | 1,395 |
| Cash dividends to net income (ytd only)* | 7.9297% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3883% | 253 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 52.5824% | 4,279 |
| Net loans and leases to deposits | 64.1383% | 4,161 |
| Net loans and leases to core deposits | 66.2520% | 4,261 |
| Total domestic deposits to total assets | 81.9828% | 3,482 |
| Equity capital to assets | 17.4030% | 451 |
| Core capital (leverage) ratio | 15.2493% | 681 |
| Tier 1 risk-based capital ratio | 24.6354% | 795 |
| Total risk-based capital ratio | 25.8944% | 779 |
| Memoranda: | ||
| Average total assets | $37,870,000 | 5,001 |
| Average earning assets | $34,275,500 | 4,999 |
| Average equity | $6,358,000 | 4,777 |
| Average total loans | $20,938,750 | 4,911 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5515% | 2,838 |
| Cost of funding earning assets | 0.8260% | 2,517 |
| Net interest margin | 3.7255% | 2,854 |
| Noninterest income to average assets | 0.3324% | 3,715 |
| Noninterest expense to average assets | 1.8152% | 4,862 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4564% | 1,277 |
| Return on assets (ROA) | 1.4564% | 1,332 |
| Pretax return on assets | 1.9208% | 798 |
| Return on Equity (ROE) | 8.7814% | 2,942 |
| Retained earnings to average equity (ytd only) | 7.6360% | 1,546 |
| Net charge-offs to loans | -0.0568% | 4,858 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1864% | 4,981 |
| Assets per employee ($millions) | 6.2723% | 1,358 |
| Cash dividends to net income (ytd only)* | 13.0435% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3106% | 290 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 54.2621% | 4,190 |
| Net loans and leases to deposits | 65.6624% | 4,119 |
| Net loans and leases to core deposits | 67.8168% | 4,215 |
| Total domestic deposits to total assets | 82.6380% | 3,322 |
| Equity capital to assets | 16.9953% | 469 |
| Core capital (leverage) ratio | 14.3706% | 861 |
| Tier 1 risk-based capital ratio | 23.2833% | 917 |
| Total risk-based capital ratio | 24.5448% | 891 |
| Memoranda: | ||
| Average total assets | $37,901,670 | 5,040 |
| Average earning assets | $34,626,000 | 5,032 |
| Average equity | $6,286,000 | 4,813 |
| Average total loans | $21,135,330 | 4,953 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5583% | 2,672 |
| Cost of funding earning assets | 0.8044% | 2,513 |
| Net interest margin | 3.7539% | 2,696 |
| Noninterest income to average assets | 0.5153% | 2,467 |
| Noninterest expense to average assets | 1.8194% | 4,903 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5775% | 940 |
| Return on assets (ROA) | 1.5775% | 967 |
| Pretax return on assets | 2.0823% | 548 |
| Return on Equity (ROE) | 9.6293% | 2,530 |
| Retained earnings to average equity (ytd only) | 9.6293% | 1,123 |
| Net charge-offs to loans | -0.0565% | 4,867 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4744% | 5,088 |
| Assets per employee ($millions) | 6.2977% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2814% | 307 |
| Loan loss allowance to noncurrent loans | 61.4597% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 2.0669% | 454 |
| Noncurrent loans to loans | 3.7120% | 233 |
| Net loans and leases to total assets | 54.4117% | 4,180 |
| Net loans and leases to deposits | 67.8481% | 3,938 |
| Net loans and leases to core deposits | 70.1347% | 4,077 |
| Total domestic deposits to total assets | 80.1964% | 4,142 |
| Equity capital to assets | 16.6887% | 481 |
| Core capital (leverage) ratio | 14.1854% | 901 |
| Tier 1 risk-based capital ratio | 23.0430% | 928 |
| Total risk-based capital ratio | 24.3018% | 911 |
| Memoranda: | ||
| Average total assets | $38,035,500 | 5,091 |
| Average earning assets | $34,311,000 | 5,094 |
| Average equity | $6,231,000 | 4,858 |
| Average total loans | $21,251,000 | 5,009 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8497% | 4,393 |
| Cost of funding earning assets | 0.5550% | 3,017 |
| Net interest margin | 3.2947% | 4,271 |
| Noninterest income to average assets | 0.6676% | 1,975 |
| Noninterest expense to average assets | 1.9731% | 4,790 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2921% | 1,840 |
| Return on assets (ROA) | 1.2921% | 1,825 |
| Pretax return on assets | 1.7147% | 1,131 |
| Return on Equity (ROE) | 8.1136% | 3,387 |
| Retained earnings to average equity (ytd only) | 8.1136% | 1,182 |
| Net charge-offs to loans | 0.0372% | 2,658 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 79.6250% | 860 |
| Efficiency ratio | 51.0219% | 4,873 |
| Assets per employee ($millions) | 6.3808% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2225% | 320 |
| Loan loss allowance to noncurrent loans | 92.6214% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.3452% | 937 |
| Noncurrent loans to loans | 2.3996% | 524 |
| Net loans and leases to total assets | 54.8126% | 4,221 |
| Net loans and leases to deposits | 66.4377% | 4,086 |
| Net loans and leases to core deposits | 68.5829% | 4,206 |
| Total domestic deposits to total assets | 82.5023% | 3,484 |
| Equity capital to assets | 16.0794% | 523 |
| Core capital (leverage) ratio | 14.1014% | 900 |
| Tier 1 risk-based capital ratio | 21.8491% | 1,049 |
| Total risk-based capital ratio | 23.1095% | 1,034 |
| Memoranda: | ||
| Average total assets | $37,148,800 | 5,142 |
| Average earning assets | $34,054,200 | 5,132 |
| Average equity | $5,916,000 | 4,911 |
| Average total loans | $21,498,000 | 5,039 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7616% | 4,525 |
| Cost of funding earning assets | 0.5206% | 3,053 |
| Net interest margin | 3.2410% | 4,429 |
| Noninterest income to average assets | 0.6040% | 2,283 |
| Noninterest expense to average assets | 1.8011% | 5,036 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3599% | 1,620 |
| Return on assets (ROA) | 1.3599% | 1,628 |
| Pretax return on assets | 1.7975% | 1,019 |
| Return on Equity (ROE) | 8.5608% | 3,307 |
| Retained earnings to average equity (ytd only) | 8.5608% | 1,389 |
| Net charge-offs to loans | -0.0186% | 4,605 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5377% | 5,072 |
| Assets per employee ($millions) | 6.0097% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3240% | 296 |
| Loan loss allowance to noncurrent loans | 94.3907% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 1.4338% | 918 |
| Noncurrent loans to loans | 2.4621% | 535 |
| Net loans and leases to total assets | 56.8806% | 4,144 |
| Net loans and leases to deposits | 70.6998% | 3,864 |
| Net loans and leases to core deposits | 73.9072% | 3,953 |
| Total domestic deposits to total assets | 80.4537% | 4,006 |
| Equity capital to assets | 16.7841% | 434 |
| Core capital (leverage) ratio | 14.1076% | 906 |
| Tier 1 risk-based capital ratio | 21.7114% | 1,088 |
| Total risk-based capital ratio | 22.9704% | 1,069 |
| Memoranda: | ||
| Average total assets | $36,864,750 | 5,208 |
| Average earning assets | $34,062,250 | 5,196 |
| Average equity | $5,856,000 | 4,971 |
| Average total loans | $21,507,000 | 5,104 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6581% | 4,671 |
| Cost of funding earning assets | 0.4909% | 3,078 |
| Net interest margin | 3.1672% | 4,583 |
| Noninterest income to average assets | 0.4740% | 3,011 |
| Noninterest expense to average assets | 1.7127% | 5,182 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2711% | 1,890 |
| Return on assets (ROA) | 1.2711% | 1,894 |
| Pretax return on assets | 1.6804% | 1,271 |
| Return on Equity (ROE) | 8.1510% | 3,435 |
| Retained earnings to average equity (ytd only) | 8.1510% | 1,558 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7778% | 5,128 |
| Assets per employee ($millions) | 6.0398% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3366% | 298 |
| Loan loss allowance to noncurrent loans | 91.6824% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.4598% | 917 |
| Noncurrent loans to loans | 2.5485% | 508 |
| Net loans and leases to total assets | 55.9397% | 4,170 |
| Net loans and leases to deposits | 67.5733% | 4,043 |
| Net loans and leases to core deposits | 70.5309% | 4,116 |
| Total domestic deposits to total assets | 82.7837% | 3,474 |
| Equity capital to assets | 16.3139% | 462 |
| Core capital (leverage) ratio | 13.3288% | 1,125 |
| Tier 1 risk-based capital ratio | 21.3319% | 1,125 |
| Total risk-based capital ratio | 22.5934% | 1,103 |
| Memoranda: | ||
| Average total assets | $37,133,670 | 5,268 |
| Average earning assets | $34,225,670 | 5,252 |
| Average equity | $5,790,670 | 5,034 |
| Average total loans | $21,676,670 | 5,158 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3976% | 5,028 |
| Cost of funding earning assets | 0.4771% | 2,987 |
| Net interest margin | 2.9206% | 4,994 |
| Noninterest income to average assets | 0.5109% | 2,744 |
| Noninterest expense to average assets | 1.6604% | 5,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1495% | 2,223 |
| Return on assets (ROA) | 1.1495% | 2,231 |
| Pretax return on assets | 1.5220% | 1,622 |
| Return on Equity (ROE) | 7.5393% | 3,569 |
| Retained earnings to average equity (ytd only) | 7.5393% | 2,027 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4983% | 5,112 |
| Assets per employee ($millions) | 7.4650% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2490% | 355 |
| Loan loss allowance to noncurrent loans | 44.6182% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 2.9123% | 281 |
| Noncurrent loans to loans | 5.0406% | 149 |
| Net loans and leases to total assets | 56.4769% | 4,084 |
| Net loans and leases to deposits | 71.0123% | 3,699 |
| Net loans and leases to core deposits | 74.1549% | 3,814 |
| Total domestic deposits to total assets | 79.5311% | 4,490 |
| Equity capital to assets | 15.4963% | 568 |
| Core capital (leverage) ratio | 12.8491% | 1,232 |
| Tier 1 risk-based capital ratio | 20.0238% | 1,340 |
| Total risk-based capital ratio | 21.2848% | 1,305 |
| Memoranda: | ||
| Average total assets | $37,581,000 | 5,318 |
| Average earning assets | $34,377,000 | 5,306 |
| Average equity | $5,730,000 | 5,097 |
| Average total loans | $22,136,500 | 5,202 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8000% | 4,049 |
| Cost of funding earning assets | 0.4371% | 2,901 |
| Net interest margin | 3.3629% | 3,961 |
| Noninterest income to average assets | 0.5542% | 2,690 |
| Noninterest expense to average assets | 1.8833% | 5,136 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0717% | 1,971 |
| Return on assets (ROA) | 1.0717% | 1,991 |
| Pretax return on assets | 1.6514% | 1,150 |
| Return on Equity (ROE) | 6.7342% | 3,418 |
| Retained earnings to average equity (ytd only) | 3.2694% | 3,346 |
| Net charge-offs to loans | 0.1052% | 2,013 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 25.3913% | 1,716 |
| Efficiency ratio | 50.5600% | 5,192 |
| Assets per employee ($millions) | 7.5674% | 743 |
| Cash dividends to net income (ytd only)* | 51.4512% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1358% | 417 |
| Loan loss allowance to noncurrent loans | 52.3758% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 2.4473% | 389 |
| Noncurrent loans to loans | 4.0779% | 228 |
| Net loans and leases to total assets | 58.7335% | 3,948 |
| Net loans and leases to deposits | 72.4443% | 3,657 |
| Net loans and leases to core deposits | 74.8552% | 3,821 |
| Total domestic deposits to total assets | 81.0741% | 4,104 |
| Equity capital to assets | 15.0012% | 675 |
| Core capital (leverage) ratio | 12.7732% | 1,231 |
| Tier 1 risk-based capital ratio | 18.3787% | 1,685 |
| Total risk-based capital ratio | 19.6372% | 1,638 |
| Memoranda: | ||
| Average total assets | $35,363,600 | 5,405 |
| Average earning assets | $31,341,800 | 5,418 |
| Average equity | $5,628,000 | 5,159 |
| Average total loans | $21,854,000 | 5,262 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6056% | 4,542 |
| Cost of funding earning assets | 0.4360% | 2,847 |
| Net interest margin | 3.1696% | 4,533 |
| Noninterest income to average assets | 0.5641% | 2,650 |
| Noninterest expense to average assets | 1.7920% | 5,284 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9900% | 2,598 |
| Return on assets (ROA) | 0.9900% | 2,657 |
| Pretax return on assets | 1.5618% | 1,537 |
| Return on Equity (ROE) | 6.1252% | 4,068 |
| Retained earnings to average equity (ytd only) | 6.1252% | 2,154 |
| Net charge-offs to loans | 0.1540% | 1,319 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 16.2811% | 2,173 |
| Efficiency ratio | 50.5721% | 5,209 |
| Assets per employee ($millions) | 6.9260% | 978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0224% | 550 |
| Loan loss allowance to noncurrent loans | 51.3284% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 2.7173% | 357 |
| Noncurrent loans to loans | 3.9402% | 254 |
| Net loans and leases to total assets | 67.5686% | 2,903 |
| Net loans and leases to deposits | 86.3719% | 2,253 |
| Net loans and leases to core deposits | 89.6410% | 2,641 |
| Total domestic deposits to total assets | 78.2299% | 4,689 |
| Equity capital to assets | 16.6041% | 475 |
| Core capital (leverage) ratio | 13.2264% | 1,123 |
| Tier 1 risk-based capital ratio | 18.9029% | 1,617 |
| Total risk-based capital ratio | 20.1629% | 1,571 |
| Memoranda: | ||
| Average total assets | $34,745,250 | 5,476 |
| Average earning assets | $30,581,500 | 5,491 |
| Average equity | $5,616,000 | 5,218 |
| Average total loans | $21,640,500 | 5,318 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5989% | 4,515 |
| Cost of funding earning assets | 0.4078% | 2,996 |
| Net interest margin | 3.1911% | 4,445 |
| Noninterest income to average assets | 0.3335% | 4,161 |
| Noninterest expense to average assets | 1.7422% | 5,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9027% | 2,899 |
| Return on assets (ROA) | 0.9027% | 2,950 |
| Pretax return on assets | 1.4260% | 1,914 |
| Return on Equity (ROE) | 5.6360% | 4,210 |
| Retained earnings to average equity (ytd only) | 5.6360% | 2,331 |
| Net charge-offs to loans | -0.0574% | 5,232 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9056% | 5,184 |
| Assets per employee ($millions) | 6.9680% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2363% | 409 |
| Loan loss allowance to noncurrent loans | 25,700.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 5,281 |
| Noncurrent loans to loans | 0.0087% | 5,153 |
| Net loans and leases to total assets | 64.4948% | 3,313 |
| Net loans and leases to deposits | 79.8593% | 2,924 |
| Net loans and leases to core deposits | 81.2864% | 3,314 |
| Total domestic deposits to total assets | 80.7606% | 4,246 |
| Equity capital to assets | 16.2141% | 510 |
| Core capital (leverage) ratio | 13.5555% | 980 |
| Tier 1 risk-based capital ratio | 18.8179% | 1,632 |
| Total risk-based capital ratio | 20.0777% | 1,589 |
| Memoranda: | ||
| Average total assets | $34,783,670 | 5,522 |
| Average earning assets | $30,898,330 | 5,534 |
| Average equity | $5,571,330 | 5,261 |
| Average total loans | $20,893,330 | 5,381 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4210% | 4,888 |
| Cost of funding earning assets | 0.3932% | 3,068 |
| Net interest margin | 3.0278% | 4,834 |
| Noninterest income to average assets | 0.3913% | 3,729 |
| Noninterest expense to average assets | 1.5767% | 5,578 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9322% | 2,599 |
| Return on assets (ROA) | 0.9322% | 2,654 |
| Pretax return on assets | 1.4731% | 1,630 |
| Return on Equity (ROE) | 5.8563% | 3,976 |
| Retained earnings to average equity (ytd only) | 5.8563% | 2,406 |
| Net charge-offs to loans | -0.0403% | 5,082 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6792% | 5,436 |
| Assets per employee ($millions) | 6.9246% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6601% | 264 |
| Loan loss allowance to noncurrent loans | 17,000.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 5,330 |
| Noncurrent loans to loans | 0.0156% | 5,176 |
| Net loans and leases to total assets | 53.9006% | 4,341 |
| Net loans and leases to deposits | 65.8272% | 4,187 |
| Net loans and leases to core deposits | 65.8272% | 4,437 |
| Total domestic deposits to total assets | 81.8820% | 4,196 |
| Equity capital to assets | 16.0962% | 478 |
| Core capital (leverage) ratio | 13.1091% | 1,098 |
| Tier 1 risk-based capital ratio | 20.4053% | 1,319 |
| Total risk-based capital ratio | 21.6695% | 1,285 |
| Memoranda: | ||
| Average total assets | $34,755,500 | 5,582 |
| Average earning assets | $30,517,000 | 5,606 |
| Average equity | $5,532,500 | 5,317 |
| Average total loans | $19,848,000 | 5,471 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7987% | 3,919 |
| Cost of funding earning assets | 0.3367% | 3,672 |
| Net interest margin | 3.4620% | 3,574 |
| Noninterest income to average assets | 0.5772% | 2,775 |
| Noninterest expense to average assets | 1.9441% | 5,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0588% | 2,098 |
| Return on assets (ROA) | 1.0588% | 2,203 |
| Pretax return on assets | 1.6779% | 1,058 |
| Return on Equity (ROE) | 6.3860% | 3,795 |
| Retained earnings to average equity (ytd only) | 0.9741% | 4,935 |
| Net charge-offs to loans | -0.3608% | 5,808 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8671% | 5,440 |
| Assets per employee ($millions) | 6.9776% | 935 |
| Cash dividends to net income (ytd only)* | 84.7458% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4752% | 322 |
| Loan loss allowance to noncurrent loans | 10,160.0000% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 5,342 |
| Noncurrent loans to loans | 0.0244% | 5,169 |
| Net loans and leases to total assets | 57.3722% | 4,130 |
| Net loans and leases to deposits | 68.6326% | 4,037 |
| Net loans and leases to core deposits | 68.6326% | 4,353 |
| Total domestic deposits to total assets | 83.5932% | 3,572 |
| Equity capital to assets | 15.7418% | 530 |
| Core capital (leverage) ratio | 13.5640% | 950 |
| Tier 1 risk-based capital ratio | 18.8206% | 1,647 |
| Total risk-based capital ratio | 20.0833% | 1,605 |
| Memoranda: | ||
| Average total assets | $33,434,600 | 5,660 |
| Average earning assets | $29,404,800 | 5,671 |
| Average equity | $5,543,400 | 5,357 |
| Average total loans | $20,508,200 | 5,505 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7843% | 3,970 |
| Cost of funding earning assets | 0.3332% | 3,745 |
| Net interest margin | 3.4511% | 3,665 |
| Noninterest income to average assets | 0.4394% | 3,637 |
| Noninterest expense to average assets | 1.8304% | 5,482 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0401% | 2,244 |
| Return on assets (ROA) | 1.0401% | 2,368 |
| Pretax return on assets | 1.6570% | 1,228 |
| Return on Equity (ROE) | 6.1910% | 3,981 |
| Retained earnings to average equity (ytd only) | 6.1910% | 2,066 |
| Net charge-offs to loans | -0.0911% | 5,542 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5954% | 5,530 |
| Assets per employee ($millions) | 6.3730% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2000% | 524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 62.5012% | 3,588 |
| Net loans and leases to deposits | 77.5666% | 3,235 |
| Net loans and leases to core deposits | 79.1071% | 3,540 |
| Total domestic deposits to total assets | 80.5774% | 4,361 |
| Equity capital to assets | 17.8754% | 356 |
| Core capital (leverage) ratio | 14.7959% | 669 |
| Tier 1 risk-based capital ratio | 20.2683% | 1,393 |
| Total risk-based capital ratio | 21.5257% | 1,360 |
| Memoranda: | ||
| Average total assets | $33,071,250 | 5,731 |
| Average earning assets | $29,207,500 | 5,734 |
| Average equity | $5,556,250 | 5,410 |
| Average total loans | $20,504,250 | 5,561 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6517% | 4,442 |
| Cost of funding earning assets | 0.3234% | 3,865 |
| Net interest margin | 3.3283% | 4,126 |
| Noninterest income to average assets | 0.2151% | 5,199 |
| Noninterest expense to average assets | 1.7805% | 5,615 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8664% | 3,022 |
| Return on assets (ROA) | 0.8664% | 3,139 |
| Pretax return on assets | 1.3862% | 2,080 |
| Return on Equity (ROE) | 5.2635% | 4,405 |
| Retained earnings to average equity (ytd only) | 5.2635% | 2,577 |
| Net charge-offs to loans | -0.0584% | 5,432 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0189% | 5,384 |
| Assets per employee ($millions) | 5.4320% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1693% | 569 |
| Loan loss allowance to noncurrent loans | 97.9955% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.3776% | 1,432 |
| Noncurrent loans to loans | 2.2137% | 847 |
| Net loans and leases to total assets | 60.8830% | 3,763 |
| Net loans and leases to deposits | 74.4885% | 3,531 |
| Net loans and leases to core deposits | 77.3938% | 3,702 |
| Total domestic deposits to total assets | 81.7348% | 4,081 |
| Equity capital to assets | 17.1300% | 414 |
| Core capital (leverage) ratio | 13.7315% | 891 |
| Tier 1 risk-based capital ratio | 20.3294% | 1,379 |
| Total risk-based capital ratio | 21.5886% | 1,357 |
| Memoranda: | ||
| Average total assets | $33,473,330 | 5,787 |
| Average earning assets | $29,685,000 | 5,795 |
| Average equity | $5,509,670 | 5,469 |
| Average total loans | $20,551,000 | 5,617 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5680% | 4,716 |
| Cost of funding earning assets | 0.3219% | 3,923 |
| Net interest margin | 3.2460% | 4,408 |
| Noninterest income to average assets | 0.2477% | 4,961 |
| Noninterest expense to average assets | 1.7810% | 5,671 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8256% | 3,123 |
| Return on assets (ROA) | 0.8256% | 3,245 |
| Pretax return on assets | 1.3210% | 2,217 |
| Return on Equity (ROE) | 5.1160% | 4,432 |
| Retained earnings to average equity (ytd only) | 5.1160% | 2,864 |
| Net charge-offs to loans | -0.0387% | 5,193 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3726% | 5,353 |
| Assets per employee ($millions) | 6.7938% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2244% | 573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 56.4191% | 4,207 |
| Net loans and leases to deposits | 69.4007% | 3,909 |
| Net loans and leases to core deposits | 72.0083% | 4,062 |
| Total domestic deposits to total assets | 81.2947% | 4,406 |
| Equity capital to assets | 16.2148% | 510 |
| Core capital (leverage) ratio | 13.0362% | 1,145 |
| Tier 1 risk-based capital ratio | 19.6690% | 1,578 |
| Total risk-based capital ratio | 20.9283% | 1,541 |
| Memoranda: | ||
| Average total assets | $33,914,000 | 5,839 |
| Average earning assets | $29,821,000 | 5,852 |
| Average equity | $5,473,000 | 5,515 |
| Average total loans | $20,685,000 | 5,656 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6956% | 4,381 |
| Cost of funding earning assets | 0.2804% | 4,481 |
| Net interest margin | 3.4153% | 3,847 |
| Noninterest income to average assets | 0.6948% | 2,227 |
| Noninterest expense to average assets | 2.2291% | 4,980 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8834% | 2,965 |
| Return on assets (ROA) | 0.8834% | 3,049 |
| Pretax return on assets | 1.4148% | 1,839 |
| Return on Equity (ROE) | 5.1467% | 4,439 |
| Retained earnings to average equity (ytd only) | 1.5202% | 4,855 |
| Net charge-offs to loans | -0.0841% | 5,729 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2399% | 5,116 |
| Assets per employee ($millions) | 5.6432% | 1,661 |
| Cash dividends to net income (ytd only)* | 70.4626% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9937% | 815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 63.0113% | 3,411 |
| Net loans and leases to deposits | 77.3596% | 3,121 |
| Net loans and leases to core deposits | 80.2701% | 3,310 |
| Total domestic deposits to total assets | 81.4525% | 4,351 |
| Equity capital to assets | 16.0607% | 514 |
| Core capital (leverage) ratio | 13.9565% | 837 |
| Tier 1 risk-based capital ratio | 18.2996% | 1,884 |
| Total risk-based capital ratio | 19.5568% | 1,837 |
| Memoranda: | ||
| Average total assets | $31,807,200 | 5,932 |
| Average earning assets | $27,465,000 | 5,941 |
| Average equity | $5,459,800 | 5,547 |
| Average total loans | $20,214,200 | 5,714 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7243% | 4,348 |
| Cost of funding earning assets | 0.2819% | 4,535 |
| Net interest margin | 3.4424% | 3,784 |
| Noninterest income to average assets | 0.6433% | 2,513 |
| Noninterest expense to average assets | 2.0877% | 5,300 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0012% | 2,461 |
| Return on assets (ROA) | 1.0012% | 2,557 |
| Pretax return on assets | 1.5210% | 1,623 |
| Return on Equity (ROE) | 5.7331% | 4,283 |
| Retained earnings to average equity (ytd only) | 5.7331% | 2,417 |
| Net charge-offs to loans | -0.0740% | 5,678 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8996% | 5,450 |
| Assets per employee ($millions) | 5.1298% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2444% | 620 |
| Loan loss allowance to noncurrent loans | 10,700.0000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 5,753 |
| Noncurrent loans to loans | 0.0210% | 5,549 |
| Net loans and leases to total assets | 60.5673% | 3,800 |
| Net loans and leases to deposits | 75.4645% | 3,375 |
| Net loans and leases to core deposits | 78.6483% | 3,548 |
| Total domestic deposits to total assets | 80.2593% | 4,684 |
| Equity capital to assets | 18.1617% | 330 |
| Core capital (leverage) ratio | 14.9740% | 641 |
| Tier 1 risk-based capital ratio | 21.9605% | 1,200 |
| Total risk-based capital ratio | 23.2223% | 1,179 |
| Memoranda: | ||
| Average total assets | $31,294,250 | 6,021 |
| Average earning assets | $26,957,000 | 6,036 |
| Average equity | $5,465,250 | 5,618 |
| Average total loans | $19,825,500 | 5,800 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6044% | 4,707 |
| Cost of funding earning assets | 0.2722% | 4,691 |
| Net interest margin | 3.3322% | 4,165 |
| Noninterest income to average assets | 0.4259% | 3,883 |
| Noninterest expense to average assets | 2.0149% | 5,502 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8517% | 3,122 |
| Return on assets (ROA) | 0.8517% | 3,223 |
| Pretax return on assets | 1.2903% | 2,399 |
| Return on Equity (ROE) | 4.9413% | 4,641 |
| Retained earnings to average equity (ytd only) | 4.9413% | 2,890 |
| Net charge-offs to loans | -0.0598% | 5,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6923% | 5,258 |
| Assets per employee ($millions) | 5.0013% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2152% | 717 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 62.2234% | 3,519 |
| Net loans and leases to deposits | 76.9821% | 3,164 |
| Net loans and leases to core deposits | 80.2924% | 3,364 |
| Total domestic deposits to total assets | 80.8284% | 4,660 |
| Equity capital to assets | 18.2918% | 310 |
| Core capital (leverage) ratio | 14.2191% | 779 |
| Tier 1 risk-based capital ratio | 21.7149% | 1,243 |
| Total risk-based capital ratio | 22.9743% | 1,229 |
| Memoranda: | ||
| Average total assets | $31,466,000 | 6,082 |
| Average earning assets | $27,189,330 | 6,093 |
| Average equity | $5,423,670 | 5,677 |
| Average total loans | $20,077,330 | 5,845 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4994% | 4,967 |
| Cost of funding earning assets | 0.2770% | 4,702 |
| Net interest margin | 3.2223% | 4,518 |
| Noninterest income to average assets | 0.5342% | 3,059 |
| Noninterest expense to average assets | 2.0003% | 5,579 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8945% | 2,766 |
| Return on assets (ROA) | 0.8945% | 2,895 |
| Pretax return on assets | 1.2797% | 2,356 |
| Return on Equity (ROE) | 5.3422% | 4,356 |
| Retained earnings to average equity (ytd only) | 5.3422% | 2,869 |
| Net charge-offs to loans | -0.0389% | 5,391 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9545% | 5,342 |
| Assets per employee ($millions) | 5.3518% | 1,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1590% | 845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 59.1324% | 3,781 |
| Net loans and leases to deposits | 74.0157% | 3,310 |
| Net loans and leases to core deposits | 77.0179% | 3,488 |
| Total domestic deposits to total assets | 79.8916% | 5,074 |
| Equity capital to assets | 16.9008% | 439 |
| Core capital (leverage) ratio | 13.6391% | 926 |
| Tier 1 risk-based capital ratio | 21.0991% | 1,396 |
| Total risk-based capital ratio | 22.3577% | 1,375 |
| Memoranda: | ||
| Average total assets | $32,195,000 | 6,139 |
| Average earning assets | $27,433,500 | 6,153 |
| Average equity | $5,391,000 | 5,737 |
| Average total loans | $20,568,500 | 5,874 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7158% | 4,734 |
| Cost of funding earning assets | 0.2659% | 5,150 |
| Net interest margin | 3.4498% | 3,983 |
| Noninterest income to average assets | 0.5668% | 3,075 |
| Noninterest expense to average assets | 1.9788% | 5,805 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9997% | 2,384 |
| Return on assets (ROA) | 0.9748% | 2,581 |
| Pretax return on assets | 1.5739% | 1,307 |
| Return on Equity (ROE) | 5.6173% | 4,351 |
| Retained earnings to average equity (ytd only) | 1.9409% | 4,829 |
| Net charge-offs to loans | -0.0713% | 6,027 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0289% | 5,983 |
| Assets per employee ($millions) | 6.4558% | 1,079 |
| Cash dividends to net income (ytd only)* | 65.4485% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9190% | 1,272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 66.0274% | 2,878 |
| Net loans and leases to deposits | 83.7611% | 2,243 |
| Net loans and leases to core deposits | 87.1876% | 2,594 |
| Total domestic deposits to total assets | 78.8283% | 5,286 |
| Equity capital to assets | 16.5897% | 470 |
| Core capital (leverage) ratio | 13.6010% | 938 |
| Tier 1 risk-based capital ratio | 19.6066% | 1,681 |
| Total risk-based capital ratio | 20.8646% | 1,643 |
| Memoranda: | ||
| Average total assets | $30,877,800 | 6,234 |
| Average earning assets | $27,073,800 | 6,242 |
| Average equity | $5,358,400 | 5,776 |
| Average total loans | $19,624,200 | 5,976 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7415% | 4,737 |
| Cost of funding earning assets | 0.2647% | 5,260 |
| Net interest margin | 3.4768% | 3,915 |
| Noninterest income to average assets | 0.5416% | 3,249 |
| Noninterest expense to average assets | 1.8737% | 5,991 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0643% | 2,175 |
| Return on assets (ROA) | 1.0307% | 2,380 |
| Pretax return on assets | 1.6553% | 1,171 |
| Return on Equity (ROE) | 5.8713% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.8713% | 2,484 |
| Net charge-offs to loans | -0.0628% | 5,998 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2683% | 6,129 |
| Assets per employee ($millions) | 6.0796% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0722% | 1,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 64.0503% | 3,165 |
| Net loans and leases to deposits | 81.4099% | 2,502 |
| Net loans and leases to core deposits | 86.8576% | 2,562 |
| Total domestic deposits to total assets | 78.6762% | 5,397 |
| Equity capital to assets | 18.0505% | 331 |
| Core capital (leverage) ratio | 14.6797% | 675 |
| Tier 1 risk-based capital ratio | 22.0135% | 1,260 |
| Total risk-based capital ratio | 23.2726% | 1,241 |
| Memoranda: | ||
| Average total assets | $30,527,500 | 6,314 |
| Average earning assets | $26,690,750 | 6,324 |
| Average equity | $5,359,250 | 5,833 |
| Average total loans | $19,097,750 | 6,060 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6512% | 5,004 |
| Cost of funding earning assets | 0.2597% | 5,387 |
| Net interest margin | 3.3915% | 4,214 |
| Noninterest income to average assets | 0.3075% | 4,949 |
| Noninterest expense to average assets | 1.8318% | 6,099 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9138% | 2,736 |
| Return on assets (ROA) | 0.8636% | 3,087 |
| Pretax return on assets | 1.3870% | 1,941 |
| Return on Equity (ROE) | 4.9655% | 4,690 |
| Retained earnings to average equity (ytd only) | 4.9655% | 2,982 |
| Net charge-offs to loans | -0.0531% | 5,906 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1825% | 6,051 |
| Assets per employee ($millions) | 5.9260% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2105% | 1,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 60.9146% | 3,577 |
| Net loans and leases to deposits | 75.3423% | 3,148 |
| Net loans and leases to core deposits | 78.6243% | 3,365 |
| Total domestic deposits to total assets | 80.8505% | 5,026 |
| Equity capital to assets | 18.1674% | 320 |
| Core capital (leverage) ratio | 13.9763% | 839 |
| Tier 1 risk-based capital ratio | 22.1376% | 1,239 |
| Total risk-based capital ratio | 23.4010% | 1,218 |
| Memoranda: | ||
| Average total assets | $30,570,670 | 6,373 |
| Average earning assets | $26,950,000 | 6,379 |
| Average equity | $5,316,670 | 5,885 |
| Average total loans | $18,836,330 | 6,122 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5041% | 5,408 |
| Cost of funding earning assets | 0.2628% | 5,464 |
| Net interest margin | 3.2413% | 4,774 |
| Noninterest income to average assets | 0.2964% | 4,988 |
| Noninterest expense to average assets | 1.8041% | 6,217 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8376% | 2,962 |
| Return on assets (ROA) | 0.8376% | 3,033 |
| Pretax return on assets | 1.3530% | 1,906 |
| Return on Equity (ROE) | 4.9210% | 4,592 |
| Retained earnings to average equity (ytd only) | 4.9210% | 3,162 |
| Net charge-offs to loans | -0.0420% | 5,734 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8776% | 6,020 |
| Assets per employee ($millions) | 6.4042% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1872% | 1,186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 56.5629% | 4,072 |
| Net loans and leases to deposits | 70.4226% | 3,545 |
| Net loans and leases to core deposits | 73.2716% | 3,737 |
| Total domestic deposits to total assets | 80.3192% | 5,420 |
| Equity capital to assets | 16.6016% | 441 |
| Core capital (leverage) ratio | 13.3948% | 1,006 |
| Tier 1 risk-based capital ratio | 21.4130% | 1,391 |
| Total risk-based capital ratio | 22.6728% | 1,368 |
| Memoranda: | ||
| Average total assets | $31,041,000 | 6,435 |
| Average earning assets | $27,396,500 | 6,429 |
| Average equity | $5,283,500 | 5,930 |
| Average total loans | $19,026,000 | 6,181 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7236% | 5,055 |
| Cost of funding earning assets | 0.2949% | 5,641 |
| Net interest margin | 3.4287% | 4,169 |
| Noninterest income to average assets | 0.7573% | 2,262 |
| Noninterest expense to average assets | 2.2357% | 5,540 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9748% | 2,442 |
| Return on assets (ROA) | 0.9384% | 2,692 |
| Pretax return on assets | 1.4520% | 1,609 |
| Return on Equity (ROE) | 5.4656% | 4,415 |
| Retained earnings to average equity (ytd only) | 2.4356% | 4,513 |
| Net charge-offs to loans | -0.2905% | 6,669 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7282% | 5,878 |
| Assets per employee ($millions) | 6.0122% | 1,264 |
| Cash dividends to net income (ytd only)* | 55.4386% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0630% | 1,411 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 63.6439% | 3,109 |
| Net loans and leases to deposits | 77.2448% | 2,827 |
| Net loans and leases to core deposits | 80.3258% | 3,090 |
| Total domestic deposits to total assets | 82.3925% | 4,740 |
| Equity capital to assets | 17.4678% | 359 |
| Core capital (leverage) ratio | 13.9266% | 845 |
| Tier 1 risk-based capital ratio | 20.8950% | 1,441 |
| Total risk-based capital ratio | 22.1521% | 1,427 |
| Memoranda: | ||
| Average total assets | $30,371,400 | 6,506 |
| Average earning assets | $26,452,800 | 6,520 |
| Average equity | $5,214,400 | 6,014 |
| Average total loans | $18,242,800 | 6,278 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7537% | 5,021 |
| Cost of funding earning assets | 0.3107% | 5,638 |
| Net interest margin | 3.4430% | 4,111 |
| Noninterest income to average assets | 0.6043% | 3,124 |
| Noninterest expense to average assets | 2.1763% | 5,662 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8696% | 2,996 |
| Return on assets (ROA) | 0.8276% | 3,330 |
| Pretax return on assets | 1.3224% | 2,243 |
| Return on Equity (ROE) | 4.8411% | 4,806 |
| Retained earnings to average equity (ytd only) | 4.8411% | 3,205 |
| Net charge-offs to loans | -0.3720% | 6,752 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9853% | 5,687 |
| Assets per employee ($millions) | 4.8177% | 2,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2225% | 1,293 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 60.8801% | 3,545 |
| Net loans and leases to deposits | 75.1152% | 3,074 |
| Net loans and leases to core deposits | 75.9517% | 3,622 |
| Total domestic deposits to total assets | 81.0489% | 5,202 |
| Equity capital to assets | 18.3803% | 302 |
| Core capital (leverage) ratio | 14.3882% | 765 |
| Tier 1 risk-based capital ratio | 21.9053% | 1,334 |
| Total risk-based capital ratio | 23.1683% | 1,318 |
| Memoranda: | ||
| Average total assets | $30,449,000 | 6,578 |
| Average earning assets | $26,178,250 | 6,600 |
| Average equity | $5,205,250 | 6,088 |
| Average total loans | $17,919,750 | 6,352 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6589% | 5,263 |
| Cost of funding earning assets | 0.3217% | 5,648 |
| Net interest margin | 3.3371% | 4,426 |
| Noninterest income to average assets | 0.2519% | 5,644 |
| Noninterest expense to average assets | 2.0799% | 5,908 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6627% | 4,006 |
| Return on assets (ROA) | 0.6007% | 4,456 |
| Pretax return on assets | 0.9560% | 3,692 |
| Return on Equity (ROE) | 3.5981% | 5,383 |
| Retained earnings to average equity (ytd only) | 3.5981% | 4,026 |
| Net charge-offs to loans | -0.1900% | 6,648 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8866% | 5,034 |
| Assets per employee ($millions) | 4.9283% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1625% | 1,504 |
| Loan loss allowance to noncurrent loans | 170.6977% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.7271% | 4,403 |
| Noncurrent loans to loans | 1.2669% | 3,438 |
| Net loans and leases to total assets | 56.1515% | 4,258 |
| Net loans and leases to deposits | 68.4899% | 3,937 |
| Net loans and leases to core deposits | 69.2266% | 4,361 |
| Total domestic deposits to total assets | 81.9851% | 5,067 |
| Equity capital to assets | 17.6429% | 350 |
| Core capital (leverage) ratio | 13.4290% | 1,007 |
| Tier 1 risk-based capital ratio | 23.5017% | 1,060 |
| Total risk-based capital ratio | 24.7628% | 1,039 |
| Memoranda: | ||
| Average total assets | $30,963,330 | 6,620 |
| Average earning assets | $26,729,670 | 6,636 |
| Average equity | $5,169,330 | 6,138 |
| Average total loans | $17,893,670 | 6,394 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6236% | 5,378 |
| Cost of funding earning assets | 0.3444% | 5,600 |
| Net interest margin | 3.2792% | 4,592 |
| Noninterest income to average assets | 0.2274% | 5,838 |
| Noninterest expense to average assets | 2.1478% | 5,813 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5433% | 4,488 |
| Return on assets (ROA) | 0.5433% | 4,638 |
| Pretax return on assets | 0.8465% | 3,966 |
| Return on Equity (ROE) | 3.3427% | 5,417 |
| Retained earnings to average equity (ytd only) | 3.3427% | 4,249 |
| Net charge-offs to loans | -0.0218% | 5,755 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3544% | 4,244 |
| Assets per employee ($millions) | 5.4225% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0311% | 1,964 |
| Loan loss allowance to noncurrent loans | 163.2558% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.6608% | 4,722 |
| Noncurrent loans to loans | 1.2441% | 3,698 |
| Net loans and leases to total assets | 52.0363% | 4,701 |
| Net loans and leases to deposits | 62.1741% | 4,520 |
| Net loans and leases to core deposits | 63.3584% | 4,807 |
| Total domestic deposits to total assets | 83.6945% | 4,596 |
| Equity capital to assets | 15.8814% | 575 |
| Core capital (leverage) ratio | 12.8419% | 1,179 |
| Tier 1 risk-based capital ratio | 21.9565% | 1,340 |
| Total risk-based capital ratio | 23.2136% | 1,313 |
| Memoranda: | ||
| Average total assets | $31,660,000 | 6,675 |
| Average earning assets | $26,714,000 | 6,699 |
| Average equity | $5,145,500 | 6,203 |
| Average total loans | $18,355,000 | 6,439 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9271% | 5,499 |
| Cost of funding earning assets | 0.4384% | 5,662 |
| Net interest margin | 3.4888% | 4,538 |
| Noninterest income to average assets | 0.7720% | 2,380 |
| Noninterest expense to average assets | 2.1630% | 5,994 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1139% | 1,891 |
| Return on assets (ROA) | 1.0848% | 2,182 |
| Pretax return on assets | 1.7004% | 1,136 |
| Return on Equity (ROE) | 6.4098% | 3,957 |
| Retained earnings to average equity (ytd only) | 0.7314% | 5,503 |
| Net charge-offs to loans | -0.0117% | 6,489 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5000% | 6,421 |
| Assets per employee ($millions) | 5.1308% | 2,063 |
| Cash dividends to net income (ytd only)* | 88.5886% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8014% | 2,577 |
| Loan loss allowance to noncurrent loans | 162.7907% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.6984% | 4,742 |
| Noncurrent loans to loans | 1.1066% | 3,995 |
| Net loans and leases to total assets | 61.9750% | 3,256 |
| Net loans and leases to deposits | 76.3588% | 2,741 |
| Net loans and leases to core deposits | 77.9435% | 3,267 |
| Total domestic deposits to total assets | 81.1629% | 5,353 |
| Equity capital to assets | 16.6445% | 459 |
| Core capital (leverage) ratio | 13.1411% | 1,061 |
| Tier 1 risk-based capital ratio | 19.6177% | 1,780 |
| Total risk-based capital ratio | 20.8719% | 1,747 |
| Memoranda: | ||
| Average total assets | $30,698,000 | 6,741 |
| Average earning assets | $27,602,800 | 6,722 |
| Average equity | $5,195,200 | 6,247 |
| Average total loans | $17,136,600 | 6,546 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0111% | 5,485 |
| Cost of funding earning assets | 0.4623% | 5,704 |
| Net interest margin | 3.5488% | 4,444 |
| Noninterest income to average assets | 0.6824% | 2,804 |
| Noninterest expense to average assets | 2.0167% | 6,325 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2461% | 1,585 |
| Return on assets (ROA) | 1.2083% | 1,886 |
| Pretax return on assets | 1.8124% | 1,011 |
| Return on Equity (ROE) | 7.1103% | 3,745 |
| Retained earnings to average equity (ytd only) | 7.1103% | 2,054 |
| Net charge-offs to loans | -0.1369% | 6,925 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1051% | 6,656 |
| Assets per employee ($millions) | 5.0540% | 2,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1025% | 1,899 |
| Loan loss allowance to noncurrent loans | 155.9829% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 1.0355% | 4,224 |
| Noncurrent loans to loans | 1.3479% | 3,771 |
| Net loans and leases to total assets | 56.0447% | 4,444 |
| Net loans and leases to deposits | 68.8447% | 4,052 |
| Net loans and leases to core deposits | 70.2883% | 4,471 |
| Total domestic deposits to total assets | 81.4075% | 5,231 |
| Equity capital to assets | 17.6857% | 386 |
| Core capital (leverage) ratio | 13.7232% | 935 |
| Tier 1 risk-based capital ratio | 22.8595% | 1,190 |
| Total risk-based capital ratio | 24.1168% | 1,170 |
| Memoranda: | ||
| Average total assets | $30,676,250 | 6,824 |
| Average earning assets | $27,689,500 | 6,810 |
| Average equity | $5,213,000 | 6,305 |
| Average total loans | $16,563,500 | 6,655 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0315% | 5,547 |
| Cost of funding earning assets | 0.4878% | 5,698 |
| Net interest margin | 3.5437% | 4,491 |
| Noninterest income to average assets | 0.5975% | 3,271 |
| Noninterest expense to average assets | 1.9744% | 6,486 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2191% | 1,650 |
| Return on assets (ROA) | 1.1626% | 2,042 |
| Pretax return on assets | 1.7471% | 1,145 |
| Return on Equity (ROE) | 6.9340% | 3,813 |
| Retained earnings to average equity (ytd only) | 6.9340% | 2,140 |
| Net charge-offs to loans | -0.1841% | 6,981 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9761% | 6,714 |
| Assets per employee ($millions) | 5.2178% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1429% | 1,902 |
| Loan loss allowance to noncurrent loans | 110.0000% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 1.0541% | 4,275 |
| Noncurrent loans to loans | 1.9481% | 3,002 |
| Net loans and leases to total assets | 52.9498% | 4,968 |
| Net loans and leases to deposits | 64.2420% | 4,730 |
| Net loans and leases to core deposits | 65.5295% | 5,049 |
| Total domestic deposits to total assets | 82.4225% | 4,972 |
| Equity capital to assets | 16.8173% | 464 |
| Core capital (leverage) ratio | 13.2668% | 1,065 |
| Tier 1 risk-based capital ratio | 22.8730% | 1,149 |
| Total risk-based capital ratio | 24.1358% | 1,130 |
| Memoranda: | ||
| Average total assets | $30,793,670 | 6,873 |
| Average earning assets | $27,880,330 | 6,855 |
| Average equity | $5,163,000 | 6,348 |
| Average total loans | $16,298,000 | 6,717 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5656% | 6,616 |
| Cost of funding earning assets | 0.5197% | 5,683 |
| Net interest margin | 3.0459% | 6,196 |
| Noninterest income to average assets | 0.2620% | 5,771 |
| Noninterest expense to average assets | 2.0303% | 6,412 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7073% | 3,848 |
| Return on assets (ROA) | 0.7073% | 4,068 |
| Pretax return on assets | 0.9955% | 3,693 |
| Return on Equity (ROE) | 4.2254% | 5,181 |
| Retained earnings to average equity (ytd only) | 4.2254% | 4,056 |
| Net charge-offs to loans | -0.0250% | 6,263 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6364% | 4,995 |
| Assets per employee ($millions) | 5.1820% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3914% | 1,522 |
| Loan loss allowance to noncurrent loans | 105.7576% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 1.0614% | 4,366 |
| Noncurrent loans to loans | 2.2612% | 2,848 |
| Net loans and leases to total assets | 45.8156% | 5,802 |
| Net loans and leases to deposits | 55.1043% | 5,696 |
| Net loans and leases to core deposits | 56.2022% | 5,889 |
| Total domestic deposits to total assets | 83.1436% | 4,868 |
| Equity capital to assets | 16.5284% | 497 |
| Core capital (leverage) ratio | 12.7141% | 1,234 |
| Tier 1 risk-based capital ratio | 24.7346% | 929 |
| Total risk-based capital ratio | 25.9944% | 915 |
| Memoranda: | ||
| Average total assets | $30,537,000 | 6,933 |
| Average earning assets | $27,709,000 | 6,916 |
| Average equity | $5,112,000 | 6,395 |
| Average total loans | $15,977,000 | 6,798 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2036% | 6,040 |
| Cost of funding earning assets | 0.7461% | 5,238 |
| Net interest margin | 3.4575% | 5,295 |
| Noninterest income to average assets | 1.0801% | 1,142 |
| Noninterest expense to average assets | 2.7069% | 4,714 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9692% | 2,324 |
| Return on assets (ROA) | 0.9649% | 2,471 |
| Pretax return on assets | 1.4951% | 1,488 |
| Return on Equity (ROE) | 5.8073% | 3,967 |
| Retained earnings to average equity (ytd only) | 2.6757% | 4,329 |
| Net charge-offs to loans | -0.3998% | 7,265 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6588% | 5,510 |
| Assets per employee ($millions) | 4.9970% | 2,204 |
| Cash dividends to net income (ytd only)* | 53.9249% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0046% | 2,261 |
| Loan loss allowance to noncurrent loans | 104.8193% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 1.1073% | 4,397 |
| Noncurrent loans to loans | 1.9124% | 3,326 |
| Net loans and leases to total assets | 56.7407% | 4,584 |
| Net loans and leases to deposits | 68.8689% | 4,301 |
| Net loans and leases to core deposits | 70.3062% | 4,742 |
| Total domestic deposits to total assets | 82.3894% | 5,002 |
| Equity capital to assets | 16.9602% | 446 |
| Core capital (leverage) ratio | 13.2516% | 1,052 |
| Tier 1 risk-based capital ratio | 20.8857% | 1,437 |
| Total risk-based capital ratio | 22.1369% | 1,418 |
| Memoranda: | ||
| Average total assets | $30,366,400 | 6,963 |
| Average earning assets | $27,476,400 | 6,937 |
| Average equity | $5,045,400 | 6,431 |
| Average total loans | $17,006,800 | 6,802 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0821% | 6,449 |
| Cost of funding earning assets | 0.8019% | 5,136 |
| Net interest margin | 3.2802% | 5,918 |
| Noninterest income to average assets | 0.5208% | 3,718 |
| Noninterest expense to average assets | 2.2497% | 6,168 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8433% | 2,972 |
| Return on assets (ROA) | 0.8403% | 3,135 |
| Pretax return on assets | 1.2386% | 2,491 |
| Return on Equity (ROE) | 5.0837% | 4,498 |
| Retained earnings to average equity (ytd only) | 5.0837% | 3,121 |
| Net charge-offs to loans | 0.4334% | 2,985 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 5.1638% | 2,860 |
| Efficiency ratio | 61.2782% | 5,521 |
| Assets per employee ($millions) | 4.8768% | 2,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1312% | 2,000 |
| Loan loss allowance to noncurrent loans | 99.1620% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 1.2235% | 4,351 |
| Noncurrent loans to loans | 2.1492% | 3,181 |
| Net loans and leases to total assets | 55.7124% | 4,886 |
| Net loans and leases to deposits | 68.9186% | 4,459 |
| Net loans and leases to core deposits | 70.4129% | 4,901 |
| Total domestic deposits to total assets | 80.8380% | 5,486 |
| Equity capital to assets | 17.5729% | 434 |
| Core capital (leverage) ratio | 13.1952% | 1,155 |
| Tier 1 risk-based capital ratio | 21.9933% | 1,291 |
| Total risk-based capital ratio | 23.2548% | 1,261 |
| Memoranda: | ||
| Average total assets | $30,462,500 | 7,027 |
| Average earning assets | $27,599,250 | 7,005 |
| Average equity | $5,035,500 | 6,486 |
| Average total loans | $16,918,500 | 6,873 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8952% | 6,805 |
| Cost of funding earning assets | 0.8648% | 4,951 |
| Net interest margin | 3.0304% | 6,553 |
| Noninterest income to average assets | 0.4990% | 3,860 |
| Noninterest expense to average assets | 2.2940% | 6,148 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6675% | 3,704 |
| Return on assets (ROA) | 0.6675% | 3,825 |
| Pretax return on assets | 0.9526% | 3,420 |
| Return on Equity (ROE) | 4.1200% | 4,875 |
| Retained earnings to average equity (ytd only) | 4.1200% | 3,578 |
| Net charge-offs to loans | 0.7174% | 2,079 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 2.4098% | 3,611 |
| Efficiency ratio | 67.2655% | 4,652 |
| Assets per employee ($millions) | 5.0223% | 2,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1693% | 1,978 |
| Loan loss allowance to noncurrent loans | 96.9444% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 1.1947% | 4,500 |
| Noncurrent loans to loans | 2.2377% | 3,176 |
| Net loans and leases to total assets | 52.2300% | 5,540 |
| Net loans and leases to deposits | 63.2978% | 5,365 |
| Net loans and leases to core deposits | 63.9459% | 5,724 |
| Total domestic deposits to total assets | 82.5148% | 4,982 |
| Equity capital to assets | 16.7684% | 509 |
| Core capital (leverage) ratio | 12.6137% | 1,315 |
| Tier 1 risk-based capital ratio | 22.3232% | 1,209 |
| Total risk-based capital ratio | 23.5829% | 1,181 |
| Memoranda: | ||
| Average total assets | $30,863,000 | 7,079 |
| Average earning assets | $27,983,000 | 7,062 |
| Average equity | $5,000,000 | 6,530 |
| Average total loans | $17,005,670 | 6,941 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8096% | 6,946 |
| Cost of funding earning assets | 0.9278% | 4,727 |
| Net interest margin | 2.8818% | 6,787 |
| Noninterest income to average assets | 0.2434% | 5,953 |
| Noninterest expense to average assets | 2.0495% | 6,739 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5892% | 4,087 |
| Return on assets (ROA) | 0.5892% | 4,157 |
| Pretax return on assets | 0.8198% | 3,830 |
| Return on Equity (ROE) | 3.6996% | 5,039 |
| Retained earnings to average equity (ytd only) | 3.6996% | 3,953 |
| Net charge-offs to loans | 1.6033% | 843 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.9143% | 3,969 |
| Efficiency ratio | 67.8571% | 4,682 |
| Assets per employee ($millions) | 5.2245% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0897% | 2,212 |
| Loan loss allowance to noncurrent loans | 93.9227% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 1.1548% | 4,630 |
| Noncurrent loans to loans | 2.2250% | 3,287 |
| Net loans and leases to total assets | 50.8183% | 5,738 |
| Net loans and leases to deposits | 61.5034% | 5,569 |
| Net loans and leases to core deposits | 61.5034% | 5,972 |
| Total domestic deposits to total assets | 82.6267% | 5,054 |
| Equity capital to assets | 15.9409% | 584 |
| Core capital (leverage) ratio | 11.8706% | 1,636 |
| Tier 1 risk-based capital ratio | 21.7522% | 1,271 |
| Total risk-based capital ratio | 23.0130% | 1,240 |
| Memoranda: | ||
| Average total assets | $31,227,500 | 7,116 |
| Average earning assets | $28,454,500 | 7,092 |
| Average equity | $4,973,500 | 6,579 |
| Average total loans | $17,464,500 | 6,968 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7766% | 5,502 |
| Cost of funding earning assets | 1.2849% | 3,983 |
| Net interest margin | 3.4917% | 5,276 |
| Noninterest income to average assets | 0.8530% | 2,045 |
| Noninterest expense to average assets | 2.2748% | 6,425 |
| Loan and lease loss provision to assets | 0.6447% | 2,558 |
| Net operating income to assets | 0.6496% | 3,441 |
| Return on assets (ROA) | 0.6348% | 3,663 |
| Pretax return on assets | 1.0283% | 2,842 |
| Return on Equity (ROE) | 3.9085% | 4,567 |
| Retained earnings to average equity (ytd only) | 2.3003% | 4,271 |
| Net charge-offs to loans | 0.6159% | 3,189 |
| Credit loss provision to net charge-offs | 163.8655% | 2,113 |
| Earnings coverage of net charge-offs (x) | 4.3109% | 2,971 |
| Efficiency ratio | 54.4546% | 6,761 |
| Assets per employee ($millions) | 5.1847% | 1,882 |
| Cash dividends to net income (ytd only)* | 41.1458% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1920% | 1,882 |
| Loan loss allowance to noncurrent loans | 107.9156% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 1.2183% | 4,588 |
| Noncurrent loans to loans | 2.0312% | 3,516 |
| Net loans and leases to total assets | 58.6666% | 4,925 |
| Net loans and leases to deposits | 70.7172% | 4,725 |
| Net loans and leases to core deposits | 70.7172% | 5,369 |
| Total domestic deposits to total assets | 82.9594% | 4,811 |
| Equity capital to assets | 15.9123% | 598 |
| Core capital (leverage) ratio | 12.0806% | 1,493 |
| Tier 1 risk-based capital ratio | 18.8368% | 1,757 |
| Total risk-based capital ratio | 20.0849% | 1,728 |
| Memoranda: | ||
| Average total assets | $30,244,600 | 7,197 |
| Average earning assets | $27,006,800 | 7,195 |
| Average equity | $4,912,400 | 6,696 |
| Average total loans | $19,320,600 | 6,958 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8225% | 5,566 |
| Cost of funding earning assets | 1.3501% | 3,902 |
| Net interest margin | 3.4724% | 5,411 |
| Noninterest income to average assets | 0.6926% | 2,860 |
| Noninterest expense to average assets | 2.2200% | 6,549 |
| Loan and lease loss provision to assets | 0.8658% | 1,756 |
| Net operating income to assets | 0.5390% | 4,139 |
| Return on assets (ROA) | 0.5150% | 4,431 |
| Pretax return on assets | 0.6705% | 4,345 |
| Return on Equity (ROE) | 3.1544% | 5,159 |
| Retained earnings to average equity (ytd only) | 3.1544% | 4,223 |
| Net charge-offs to loans | 1.2590% | 1,619 |
| Credit loss provision to net charge-offs | 105.9783% | 4,029 |
| Earnings coverage of net charge-offs (x) | 1.9184% | 4,271 |
| Efficiency ratio | 55.6858% | 6,603 |
| Assets per employee ($millions) | 4.9835% | 2,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9231% | 2,418 |
| Loan loss allowance to noncurrent loans | 54.9363% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 2.1003% | 3,337 |
| Noncurrent loans to loans | 3.5006% | 2,264 |
| Net loans and leases to total assets | 58.8442% | 5,126 |
| Net loans and leases to deposits | 71.0335% | 4,988 |
| Net loans and leases to core deposits | 72.4969% | 5,457 |
| Total domestic deposits to total assets | 82.8400% | 4,659 |
| Equity capital to assets | 16.5680% | 580 |
| Core capital (leverage) ratio | 12.1301% | 1,597 |
| Tier 1 risk-based capital ratio | 19.2792% | 1,687 |
| Total risk-based capital ratio | 20.5319% | 1,657 |
| Memoranda: | ||
| Average total assets | $30,028,750 | 7,293 |
| Average earning assets | $26,762,750 | 7,289 |
| Average equity | $4,903,000 | 6,785 |
| Average total loans | $19,486,000 | 7,050 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0354% | 4,768 |
| Cost of funding earning assets | 1.3746% | 4,031 |
| Net interest margin | 3.6607% | 4,536 |
| Noninterest income to average assets | 0.4656% | 4,391 |
| Noninterest expense to average assets | 2.2546% | 6,498 |
| Loan and lease loss provision to assets | 0.6651% | 2,171 |
| Net operating income to assets | 0.6140% | 3,820 |
| Return on assets (ROA) | 0.5786% | 4,100 |
| Pretax return on assets | 0.7582% | 4,034 |
| Return on Equity (ROE) | 3.5612% | 4,987 |
| Retained earnings to average equity (ytd only) | 3.5612% | 3,837 |
| Net charge-offs to loans | 0.7799% | 2,297 |
| Credit loss provision to net charge-offs | 128.2051% | 3,137 |
| Earnings coverage of net charge-offs (x) | 2.8333% | 3,568 |
| Efficiency ratio | 57.5000% | 6,451 |
| Assets per employee ($millions) | 5.0485% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7515% | 2,895 |
| Loan loss allowance to noncurrent loans | 40.4545% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 2.9052% | 2,474 |
| Noncurrent loans to loans | 4.3296% | 1,713 |
| Net loans and leases to total assets | 65.9239% | 3,851 |
| Net loans and leases to deposits | 81.1484% | 3,409 |
| Net loans and leases to core deposits | 82.8314% | 4,309 |
| Total domestic deposits to total assets | 81.2387% | 5,319 |
| Equity capital to assets | 16.2557% | 634 |
| Core capital (leverage) ratio | 12.2503% | 1,520 |
| Tier 1 risk-based capital ratio | 15.7673% | 2,768 |
| Total risk-based capital ratio | 17.0220% | 2,735 |
| Memoranda: | ||
| Average total assets | $30,071,330 | 7,345 |
| Average earning assets | $26,770,670 | 7,344 |
| Average equity | $4,886,000 | 6,819 |
| Average total loans | $20,001,330 | 7,068 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0196% | 4,930 |
| Cost of funding earning assets | 1.4085% | 4,124 |
| Net interest margin | 3.6111% | 4,681 |
| Noninterest income to average assets | 0.3338% | 5,473 |
| Noninterest expense to average assets | 2.3096% | 6,350 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8664% | 2,684 |
| Return on assets (ROA) | 0.8010% | 3,059 |
| Pretax return on assets | 1.1481% | 2,559 |
| Return on Equity (ROE) | 4.9312% | 4,400 |
| Retained earnings to average equity (ytd only) | 4.9312% | 3,189 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0301% | 5,826 |
| Assets per employee ($millions) | 4.9688% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7162% | 3,004 |
| Loan loss allowance to noncurrent loans | 256.9231% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.4361% | 6,379 |
| Noncurrent loans to loans | 0.6680% | 5,992 |
| Net loans and leases to total assets | 64.1599% | 4,296 |
| Net loans and leases to deposits | 77.7245% | 4,097 |
| Net loans and leases to core deposits | 79.3364% | 4,851 |
| Total domestic deposits to total assets | 82.5479% | 4,828 |
| Equity capital to assets | 16.4257% | 613 |
| Core capital (leverage) ratio | 12.2407% | 1,528 |
| Tier 1 risk-based capital ratio | 16.2972% | 2,529 |
| Total risk-based capital ratio | 17.5018% | 2,502 |
| Memoranda: | ||
| Average total assets | $29,961,500 | 7,443 |
| Average earning assets | $26,695,500 | 7,439 |
| Average equity | $4,867,000 | 6,890 |
| Average total loans | $19,839,500 | 7,161 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3649% | 4,861 |
| Cost of funding earning assets | 1.5879% | 5,085 |
| Net interest margin | 3.7769% | 3,813 |
| Noninterest income to average assets | 1.0556% | 1,388 |
| Noninterest expense to average assets | 2.3993% | 6,470 |
| Loan and lease loss provision to assets | 0.0901% | 6,709 |
| Net operating income to assets | 1.1961% | 1,256 |
| Return on assets (ROA) | 1.1961% | 1,306 |
| Pretax return on assets | 1.9166% | 491 |
| Return on Equity (ROE) | 6.9669% | 2,800 |
| Retained earnings to average equity (ytd only) | 3.4205% | 2,773 |
| Net charge-offs to loans | 0.0220% | 6,926 |
| Credit loss provision to net charge-offs | 625.0000% | 467 |
| Earnings coverage of net charge-offs (x) | 139.2500% | 207 |
| Efficiency ratio | 51.6762% | 7,411 |
| Assets per employee ($millions) | 5.0183% | 2,193 |
| Cash dividends to net income (ytd only)* | 50.9036% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6521% | 3,078 |
| Loan loss allowance to noncurrent loans | 124.1636% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.8934% | 5,315 |
| Noncurrent loans to loans | 1.3306% | 4,701 |
| Net loans and leases to total assets | 66.0345% | 4,136 |
| Net loans and leases to deposits | 79.2657% | 4,124 |
| Net loans and leases to core deposits | 100.2319% | 3,971 |
| Total domestic deposits to total assets | 83.3079% | 4,381 |
| Equity capital to assets | 16.0644% | 692 |
| Core capital (leverage) ratio | 12.2706% | 1,546 |
| Tier 1 risk-based capital ratio | 15.3928% | 2,758 |
| Total risk-based capital ratio | 16.6453% | 2,718 |
| Memoranda: | ||
| Average total assets | $27,757,600 | 7,561 |
| Average earning assets | $24,623,200 | 7,558 |
| Average equity | $4,765,400 | 7,038 |
| Average total loans | $18,208,200 | 7,301 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4009% | 4,945 |
| Cost of funding earning assets | 1.6181% | 5,320 |
| Net interest margin | 3.7828% | 3,724 |
| Noninterest income to average assets | 0.9619% | 1,736 |
| Noninterest expense to average assets | 2.3261% | 6,635 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.3250% | 1,167 |
| Return on assets (ROA) | 1.3250% | 1,233 |
| Pretax return on assets | 1.9973% | 545 |
| Return on Equity (ROE) | 7.5827% | 2,826 |
| Retained earnings to average equity (ytd only) | 5.0551% | 2,453 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9648% | 7,488 |
| Assets per employee ($millions) | 4.8037% | 2,395 |
| Cash dividends to net income (ytd only)* | 33.3343% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6152% | 2,936 |
| Loan loss allowance to noncurrent loans | 244.5313% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.4441% | 6,348 |
| Noncurrent loans to loans | 0.6605% | 5,980 |
| Net loans and leases to total assets | 66.1474% | 4,396 |
| Net loans and leases to deposits | 80.5382% | 4,291 |
| Net loans and leases to core deposits | 101.5176% | 4,210 |
| Total domestic deposits to total assets | 82.1317% | 4,624 |
| Equity capital to assets | 16.8413% | 654 |
| Core capital (leverage) ratio | 12.6937% | 1,503 |
| Tier 1 risk-based capital ratio | 16.0613% | 2,603 |
| Total risk-based capital ratio | 17.3103% | 2,540 |
| Memoranda: | ||
| Average total assets | $27,169,500 | 7,643 |
| Average earning assets | $24,143,500 | 7,644 |
| Average equity | $4,747,500 | 7,095 |
| Average total loans | $17,706,000 | 7,390 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3932% | 5,186 |
| Cost of funding earning assets | 1.6477% | 5,525 |
| Net interest margin | 3.7455% | 3,767 |
| Noninterest income to average assets | 0.8115% | 2,357 |
| Noninterest expense to average assets | 2.3818% | 6,518 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1646% | 1,573 |
| Return on assets (ROA) | 1.1646% | 1,653 |
| Pretax return on assets | 1.7431% | 947 |
| Return on Equity (ROE) | 6.5789% | 3,399 |
| Retained earnings to average equity (ytd only) | 2.7589% | 3,793 |
| Net charge-offs to loans | 0.0117% | 6,394 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 232.0000% | 180 |
| Efficiency ratio | 54.6448% | 7,263 |
| Assets per employee ($millions) | 4.8140% | 2,302 |
| Cash dividends to net income (ytd only)* | 58.0645% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6698% | 2,447 |
| Loan loss allowance to noncurrent loans | 253.6585% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.4258% | 6,394 |
| Noncurrent loans to loans | 0.6583% | 5,939 |
| Net loans and leases to total assets | 63.6096% | 5,059 |
| Net loans and leases to deposits | 76.9195% | 5,036 |
| Net loans and leases to core deposits | 93.6729% | 5,155 |
| Total domestic deposits to total assets | 82.6963% | 4,384 |
| Equity capital to assets | 16.4070% | 769 |
| Core capital (leverage) ratio | 12.8161% | 1,494 |
| Tier 1 risk-based capital ratio | 15.8921% | 2,663 |
| Total risk-based capital ratio | 17.1211% | 2,612 |
| Memoranda: | ||
| Average total assets | $26,618,670 | 7,735 |
| Average earning assets | $23,548,000 | 7,743 |
| Average equity | $4,712,000 | 7,166 |
| Average total loans | $17,148,670 | 7,479 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4071% | 5,389 |
| Cost of funding earning assets | 1.6719% | 5,731 |
| Net interest margin | 3.7352% | 3,735 |
| Noninterest income to average assets | 0.4708% | 4,583 |
| Noninterest expense to average assets | 2.2758% | 6,612 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0045% | 2,293 |
| Return on assets (ROA) | 1.0045% | 2,432 |
| Pretax return on assets | 1.4910% | 1,692 |
| Return on Equity (ROE) | 5.4485% | 4,268 |
| Retained earnings to average equity (ytd only) | 4.1715% | 3,594 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0833% | 6,812 |
| Assets per employee ($millions) | 4.3727% | 2,933 |
| Cash dividends to net income (ytd only)* | 23.4375% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8153% | 1,816 |
| Loan loss allowance to noncurrent loans | 96.9040% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 1.2311% | 4,221 |
| Noncurrent loans to loans | 1.8733% | 3,454 |
| Net loans and leases to total assets | 64.5258% | 4,896 |
| Net loans and leases to deposits | 79.4006% | 4,703 |
| Net loans and leases to core deposits | 96.7925% | 4,868 |
| Total domestic deposits to total assets | 81.2662% | 4,858 |
| Equity capital to assets | 18.0020% | 603 |
| Core capital (leverage) ratio | 13.5124% | 1,319 |
| Tier 1 risk-based capital ratio | 17.2984% | 2,246 |
| Total risk-based capital ratio | 18.5480% | 2,191 |
| Memoranda: | ||
| Average total assets | $25,486,000 | 7,817 |
| Average earning assets | $22,489,000 | 7,823 |
| Average equity | $4,698,500 | 7,222 |
| Average total loans | $16,380,500 | 7,560 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6794% | 2,108 |
| Cost of funding earning assets | 2.3907% | 4,755 |
| Net interest margin | 4.2887% | 2,020 |
| Noninterest income to average assets | 1.3719% | 766 |
| Noninterest expense to average assets | 2.6510% | 5,440 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6336% | 784 |
| Return on assets (ROA) | 1.6336% | 742 |
| Pretax return on assets | 2.4694% | 211 |
| Return on Equity (ROE) | 8.3402% | 2,921 |
| Retained earnings to average equity (ytd only) | 1.0129% | 4,618 |
| Net charge-offs to loans | -0.1424% | 8,131 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9695% | 7,738 |
| Assets per employee ($millions) | 4.1227% | 3,267 |
| Cash dividends to net income (ytd only)* | 87.8553% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0169% | 1,191 |
| Loan loss allowance to noncurrent loans | 276.9912% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.4568% | 5,854 |
| Noncurrent loans to loans | 0.7281% | 5,209 |
| Net loans and leases to total assets | 61.4732% | 5,703 |
| Net loans and leases to deposits | 76.4774% | 5,535 |
| Net loans and leases to core deposits | 91.8237% | 5,660 |
| Total domestic deposits to total assets | 80.3808% | 4,874 |
| Equity capital to assets | 18.8955% | 557 |
| Core capital (leverage) ratio | 14.4114% | 1,162 |
| Tier 1 risk-based capital ratio | 18.5156% | 1,914 |
| Total risk-based capital ratio | 19.7695% | 1,859 |
| Memoranda: | ||
| Average total assets | $23,689,600 | 7,887 |
| Average earning assets | $20,705,600 | 7,904 |
| Average equity | $4,640,200 | 7,284 |
| Average total loans | $14,750,200 | 7,663 |