Home > The Lytle State Bank of Lytle, Texas > Performance and Condition Ratios
The Lytle State Bank of Lytle, Texas, 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 | 4.0384% | 3,899 |
| Cost of funding earning assets | 0.5451% | 4,148 |
| Net interest margin | 3.4933% | 2,198 |
| Noninterest income to average assets | 0.8300% | 878 |
| Noninterest expense to average assets | 3.1509% | 878 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.7140% | 3,154 |
| Return on assets (ROA) | 0.7140% | 3,134 |
| Pretax return on assets | 0.8459% | 3,102 |
| Return on Equity (ROE) | 10.7100% | 2,302 |
| Retained earnings to average equity (ytd only) | 5.8819% | 2,293 |
| Net charge-offs to loans | 0.2315% | 468 |
| Credit loss provision to net charge-offs | 31.5789% | 2,271 |
| Earnings coverage of net charge-offs (x) | 10.9158% | 2,216 |
| Efficiency ratio | 78.3417% | 1,041 |
| Assets per employee ($millions) | 4.5717% | 3,910 |
| Cash dividends to net income (ytd only)* | 45.0588% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9007% | 3,705 |
| Loan loss allowance to noncurrent loans | 1,231.2500% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 3,488 |
| Noncurrent loans to loans | 0.0732% | 3,192 |
| Net loans and leases to total assets | 37.9300% | 4,098 |
| Net loans and leases to deposits | 43.0488% | 4,126 |
| Net loans and leases to core deposits | 43.5702% | 4,213 |
| Total domestic deposits to total assets | 88.1100% | 1,309 |
| Equity capital to assets | 7.8841% | 3,494 |
| Core capital (leverage) ratio | 13.3846% | 942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $119,045,600 | 3,659 |
| Average earning assets | $108,779,400 | 3,659 |
| Average equity | $7,939,600 | 3,931 |
| Average total loans | $41,034,000 | 3,981 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9604% | 3,908 |
| Cost of funding earning assets | 0.4943% | 4,147 |
| Net interest margin | 3.4661% | 2,291 |
| Noninterest income to average assets | 0.7400% | 1,065 |
| Noninterest expense to average assets | 3.1150% | 911 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.6221% | 3,488 |
| Return on assets (ROA) | 0.6221% | 3,486 |
| Pretax return on assets | 0.7530% | 3,441 |
| Return on Equity (ROE) | 9.7500% | 2,714 |
| Retained earnings to average equity (ytd only) | 6.4999% | 2,463 |
| Net charge-offs to loans | 0.1652% | 515 |
| Credit loss provision to net charge-offs | 60.0000% | 1,857 |
| Earnings coverage of net charge-offs (x) | 14.1800% | 2,006 |
| Efficiency ratio | 79.8465% | 864 |
| Assets per employee ($millions) | 4.5151% | 3,931 |
| Cash dividends to net income (ytd only)* | 33.3333% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 3,231 |
| 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 | 36.1600% | 4,177 |
| Net loans and leases to deposits | 40.8661% | 4,185 |
| Net loans and leases to core deposits | 41.5071% | 4,227 |
| Total domestic deposits to total assets | 88.4800% | 1,417 |
| Equity capital to assets | 5.8078% | 4,048 |
| Core capital (leverage) ratio | 13.0056% | 1,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $120,233,750 | 3,660 |
| Average earning assets | $109,785,000 | 3,660 |
| Average equity | $7,671,750 | 3,970 |
| Average total loans | $40,356,250 | 3,995 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8789% | 3,907 |
| Cost of funding earning assets | 0.4101% | 4,148 |
| Net interest margin | 3.4688% | 2,346 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 3.1177% | 887 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.6123% | 3,549 |
| Return on assets (ROA) | 0.6123% | 3,553 |
| Pretax return on assets | 0.7344% | 3,531 |
| Return on Equity (ROE) | 9.3300% | 2,882 |
| Retained earnings to average equity (ytd only) | 4.6504% | 3,042 |
| Net charge-offs to loans | 0.2784% | 303 |
| Credit loss provision to net charge-offs | 54.5455% | 1,652 |
| Earnings coverage of net charge-offs (x) | 8.6364% | 2,049 |
| Efficiency ratio | 79.9069% | 848 |
| Assets per employee ($millions) | 5.2052% | 3,407 |
| Cash dividends to net income (ytd only)* | 50.1348% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0658% | 3,109 |
| Loan loss allowance to noncurrent loans | 2,552.9412% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 3,697 |
| Noncurrent loans to loans | 0.0417% | 3,427 |
| Net loans and leases to total assets | 33.6500% | 4,246 |
| Net loans and leases to deposits | 38.2925% | 4,250 |
| Net loans and leases to core deposits | 38.7347% | 4,280 |
| Total domestic deposits to total assets | 87.8800% | 1,655 |
| Equity capital to assets | 6.6163% | 3,944 |
| Core capital (leverage) ratio | 12.8841% | 1,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $121,180,667 | 3,664 |
| Average earning assets | $110,700,667 | 3,666 |
| Average equity | $7,956,333 | 3,956 |
| Average total loans | $39,513,000 | 4,024 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8243% | 3,810 |
| Cost of funding earning assets | 0.2875% | 4,226 |
| Net interest margin | 3.5367% | 2,271 |
| Noninterest income to average assets | 0.7100% | 1,070 |
| Noninterest expense to average assets | 3.1105% | 917 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.6431% | 3,600 |
| Return on assets (ROA) | 0.6431% | 3,564 |
| Pretax return on assets | 0.7809% | 3,503 |
| Return on Equity (ROE) | 9.8300% | 2,840 |
| Retained earnings to average equity (ytd only) | 9.8320% | 1,735 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.9342% | 913 |
| Assets per employee ($millions) | 4.6912% | 3,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1763% | 2,684 |
| Loan loss allowance to noncurrent loans | 752.3810% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 3,265 |
| Noncurrent loans to loans | 0.1563% | 2,708 |
| Net loans and leases to total assets | 32.6500% | 4,306 |
| Net loans and leases to deposits | 35.6177% | 4,339 |
| Net loans and leases to core deposits | 36.3336% | 4,359 |
| Total domestic deposits to total assets | 91.6600% | 602 |
| Equity capital to assets | 7.0155% | 3,821 |
| Core capital (leverage) ratio | 15.4042% | 525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $121,911,000 | 3,701 |
| Average earning assets | $111,289,000 | 3,707 |
| Average equity | $7,974,000 | 4,004 |
| Average total loans | $38,909,500 | 4,089 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3464% | 3,479 |
| Cost of funding earning assets | 0.1111% | 4,333 |
| Net interest margin | 3.2354% | 2,750 |
| Noninterest income to average assets | 0.8300% | 937 |
| Noninterest expense to average assets | 2.7760% | 1,364 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8088% | 3,297 |
| Return on assets (ROA) | 0.8088% | 3,224 |
| Pretax return on assets | 0.9841% | 3,120 |
| Return on Equity (ROE) | 9.7500% | 2,886 |
| Retained earnings to average equity (ytd only) | 5.8288% | 2,709 |
| Net charge-offs to loans | 0.1890% | 432 |
| Credit loss provision to net charge-offs | 40.9091% | 1,858 |
| Earnings coverage of net charge-offs (x) | 17.5909% | 1,949 |
| Efficiency ratio | 73.3716% | 1,283 |
| Assets per employee ($millions) | 4.6865% | 3,909 |
| Cash dividends to net income (ytd only)* | 40.2361% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2232% | 2,277 |
| Loan loss allowance to noncurrent loans | 498.9130% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 3,037 |
| Noncurrent loans to loans | 0.2452% | 2,298 |
| Net loans and leases to total assets | 30.4200% | 4,383 |
| Net loans and leases to deposits | 32.8465% | 4,414 |
| Net loans and leases to core deposits | 33.4999% | 4,426 |
| Total domestic deposits to total assets | 92.6100% | 490 |
| Equity capital to assets | 6.0657% | 4,065 |
| Core capital (leverage) ratio | 12.7747% | 1,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $115,237,400 | 3,776 |
| Average earning assets | $105,336,000 | 3,784 |
| Average equity | $9,556,000 | 3,924 |
| Average total loans | $34,925,800 | 4,156 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2163% | 3,394 |
| Cost of funding earning assets | 0.0796% | 4,420 |
| Net interest margin | 3.1366% | 2,810 |
| Noninterest income to average assets | 0.8300% | 974 |
| Noninterest expense to average assets | 2.7937% | 1,262 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.7254% | 3,495 |
| Return on assets (ROA) | 0.7254% | 3,444 |
| Pretax return on assets | 0.8780% | 3,384 |
| Return on Equity (ROE) | 8.1600% | 3,278 |
| Retained earnings to average equity (ytd only) | 5.6912% | 2,859 |
| Net charge-offs to loans | 0.1517% | 431 |
| Credit loss provision to net charge-offs | 58.9744% | 1,497 |
| Earnings coverage of net charge-offs (x) | 19.7692% | 1,718 |
| Efficiency ratio | 75.5316% | 1,121 |
| Assets per employee ($millions) | 5.0601% | 3,623 |
| Cash dividends to net income (ytd only)* | 30.2589% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 1,793 |
| Loan loss allowance to noncurrent loans | 605.0000% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 3,207 |
| Noncurrent loans to loans | 0.2237% | 2,494 |
| Net loans and leases to total assets | 30.3200% | 4,413 |
| Net loans and leases to deposits | 32.6801% | 4,449 |
| Net loans and leases to core deposits | 33.3598% | 4,458 |
| Total domestic deposits to total assets | 92.7700% | 641 |
| Equity capital to assets | 5.7259% | 4,067 |
| Core capital (leverage) ratio | 13.7122% | 729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $113,584,250 | 3,815 |
| Average earning assets | $103,803,250 | 3,820 |
| Average equity | $10,097,250 | 3,909 |
| Average total loans | $34,276,500 | 4,188 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1159% | 3,268 |
| Cost of funding earning assets | 0.0579% | 4,545 |
| Net interest margin | 3.0579% | 2,691 |
| Noninterest income to average assets | 0.8167% | 1,008 |
| Noninterest expense to average assets | 2.7909% | 1,193 |
| Loan and lease loss provision to assets | 0.0266% | 2,117 |
| Net operating income to assets | 0.6817% | 3,372 |
| Return on assets (ROA) | 0.6817% | 3,327 |
| Pretax return on assets | 0.8114% | 3,292 |
| Return on Equity (ROE) | 6.8317% | 3,352 |
| Retained earnings to average equity (ytd only) | 3.5048% | 3,274 |
| Net charge-offs to loans | 0.1599% | 399 |
| Credit loss provision to net charge-offs | 55.5556% | 1,471 |
| Earnings coverage of net charge-offs (x) | 17.4815% | 1,602 |
| Efficiency ratio | 76.9080% | 1,186 |
| Assets per employee ($millions) | 5.4836% | 3,250 |
| Cash dividends to net income (ytd only)* | 48.6979% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3708% | 1,882 |
| Loan loss allowance to noncurrent loans | 201.2346% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 2,204 |
| Noncurrent loans to loans | 0.6812% | 1,265 |
| Net loans and leases to total assets | 32.0814% | 4,400 |
| Net loans and leases to deposits | 35.3196% | 4,413 |
| Net loans and leases to core deposits | 36.2553% | 4,426 |
| Total domestic deposits to total assets | 90.8317% | 1,321 |
| Equity capital to assets | 7.6483% | 3,381 |
| Core capital (leverage) ratio | 13.2821% | 754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,651,333 | 3,869 |
| Average earning assets | $103,599,000 | 3,875 |
| Average equity | $11,241,667 | 3,859 |
| Average total loans | $33,778,667 | 4,248 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9475% | 3,408 |
| Cost of funding earning assets | 0.0493% | 4,609 |
| Net interest margin | 2.8982% | 2,846 |
| Noninterest income to average assets | 0.7780% | 1,093 |
| Noninterest expense to average assets | 2.7545% | 1,246 |
| Loan and lease loss provision to assets | 0.0280% | 1,863 |
| Net operating income to assets | 0.5642% | 3,507 |
| Return on assets (ROA) | 0.5642% | 3,483 |
| Pretax return on assets | 0.6764% | 3,454 |
| Return on Equity (ROE) | 5.0835% | 3,601 |
| Retained earnings to average equity (ytd only) | 5.0835% | 2,561 |
| Net charge-offs to loans | 0.2071% | 295 |
| Credit loss provision to net charge-offs | 47.0588% | 1,208 |
| Earnings coverage of net charge-offs (x) | 11.8235% | 1,430 |
| Efficiency ratio | 79.6353% | 1,178 |
| Assets per employee ($millions) | 4.9759% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4366% | 1,773 |
| Loan loss allowance to noncurrent loans | 340.9722% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 2,921 |
| Noncurrent loans to loans | 0.4213% | 1,979 |
| Net loans and leases to total assets | 29.4357% | 4,462 |
| Net loans and leases to deposits | 33.0719% | 4,463 |
| Net loans and leases to core deposits | 33.6735% | 4,487 |
| Total domestic deposits to total assets | 89.0053% | 2,078 |
| Equity capital to assets | 9.5731% | 2,227 |
| Core capital (leverage) ratio | 13.8834% | 600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,141,500 | 3,874 |
| Average earning assets | $105,582,000 | 3,865 |
| Average equity | $12,668,500 | 3,792 |
| Average total loans | $32,831,500 | 4,279 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0159% | 3,847 |
| Cost of funding earning assets | 0.0656% | 4,612 |
| Net interest margin | 2.9503% | 3,319 |
| Noninterest income to average assets | 0.7057% | 1,749 |
| Noninterest expense to average assets | 2.6375% | 1,787 |
| Loan and lease loss provision to assets | 0.1102% | 1,143 |
| Net operating income to assets | 0.5960% | 3,884 |
| Return on assets (ROA) | 0.6622% | 3,770 |
| Pretax return on assets | 0.7835% | 3,761 |
| Return on Equity (ROE) | 4.7943% | 4,043 |
| Retained earnings to average equity (ytd only) | 2.2798% | 3,897 |
| Net charge-offs to loans | 0.1740% | 558 |
| Credit loss provision to net charge-offs | 224.5283% | 1,236 |
| Earnings coverage of net charge-offs (x) | 16.6226% | 1,969 |
| Efficiency ratio | 76.3744% | 1,074 |
| Assets per employee ($millions) | 5.6919% | 3,066 |
| Cash dividends to net income (ytd only)* | 52.4476% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5913% | 1,282 |
| Loan loss allowance to noncurrent loans | 428.2051% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 3,215 |
| Noncurrent loans to loans | 0.3716% | 2,255 |
| Net loans and leases to total assets | 27.2170% | 4,588 |
| Net loans and leases to deposits | 31.6738% | 4,590 |
| Net loans and leases to core deposits | 32.0938% | 4,604 |
| Total domestic deposits to total assets | 85.9290% | 2,939 |
| Equity capital to assets | 12.6330% | 1,020 |
| Core capital (leverage) ratio | 13.3519% | 714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,980,600 | 3,913 |
| Average earning assets | $100,566,800 | 3,903 |
| Average equity | $14,913,600 | 3,647 |
| Average total loans | $30,466,200 | 4,366 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9994% | 4,006 |
| Cost of funding earning assets | 0.0712% | 4,684 |
| Net interest margin | 2.9282% | 3,483 |
| Noninterest income to average assets | 0.7135% | 1,780 |
| Noninterest expense to average assets | 2.6674% | 1,675 |
| Loan and lease loss provision to assets | 0.1361% | 833 |
| Net operating income to assets | 0.5590% | 4,084 |
| Return on assets (ROA) | 0.6396% | 3,987 |
| Pretax return on assets | 0.7323% | 4,010 |
| Return on Equity (ROE) | 4.5280% | 4,221 |
| Retained earnings to average equity (ytd only) | 2.8710% | 3,946 |
| Net charge-offs to loans | 0.1854% | 458 |
| Credit loss provision to net charge-offs | 259.5238% | 1,075 |
| Earnings coverage of net charge-offs (x) | 14.7619% | 1,883 |
| Efficiency ratio | 77.4627% | 920 |
| Assets per employee ($millions) | 5.4294% | 3,274 |
| Cash dividends to net income (ytd only)* | 36.5949% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6446% | 1,235 |
| Loan loss allowance to noncurrent loans | 242.0290% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.1816% | 2,898 |
| Noncurrent loans to loans | 0.6795% | 1,619 |
| Net loans and leases to total assets | 26.2792% | 4,696 |
| Net loans and leases to deposits | 30.8337% | 4,686 |
| Net loans and leases to core deposits | 31.2453% | 4,700 |
| Total domestic deposits to total assets | 85.2286% | 3,037 |
| Equity capital to assets | 13.2567% | 917 |
| Core capital (leverage) ratio | 13.7032% | 696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,516,500 | 3,977 |
| Average earning assets | $99,307,250 | 3,964 |
| Average equity | $15,046,750 | 3,676 |
| Average total loans | $30,211,750 | 4,427 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0267% | 3,992 |
| Cost of funding earning assets | 0.0743% | 4,720 |
| Net interest margin | 2.9523% | 3,443 |
| Noninterest income to average assets | 0.6787% | 1,891 |
| Noninterest expense to average assets | 2.6977% | 1,595 |
| Loan and lease loss provision to assets | 0.1807% | 630 |
| Net operating income to assets | 0.4843% | 4,248 |
| Return on assets (ROA) | 0.6095% | 4,019 |
| Pretax return on assets | 0.6922% | 4,081 |
| Return on Equity (ROE) | 4.2199% | 4,294 |
| Retained earnings to average equity (ytd only) | 1.7306% | 4,183 |
| Net charge-offs to loans | 0.1593% | 523 |
| Credit loss provision to net charge-offs | 391.6667% | 766 |
| Earnings coverage of net charge-offs (x) | 15.8333% | 1,624 |
| Efficiency ratio | 78.6876% | 875 |
| Assets per employee ($millions) | 4.9313% | 3,712 |
| Cash dividends to net income (ytd only)* | 58.9905% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6596% | 1,151 |
| Loan loss allowance to noncurrent loans | 188.7640% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.2461% | 2,705 |
| Noncurrent loans to loans | 0.8792% | 1,397 |
| Net loans and leases to total assets | 27.5272% | 4,713 |
| Net loans and leases to deposits | 32.4785% | 4,716 |
| Net loans and leases to core deposits | 32.8230% | 4,733 |
| Total domestic deposits to total assets | 84.7551% | 3,199 |
| Equity capital to assets | 13.6770% | 789 |
| Core capital (leverage) ratio | 14.0441% | 617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,016,000 | 4,029 |
| Average earning assets | $96,872,000 | 4,005 |
| Average equity | $15,024,000 | 3,677 |
| Average total loans | $30,127,667 | 4,465 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0046% | 4,076 |
| Cost of funding earning assets | 0.0803% | 4,745 |
| Net interest margin | 2.9243% | 3,452 |
| Noninterest income to average assets | 0.7192% | 1,808 |
| Noninterest expense to average assets | 2.6567% | 1,722 |
| Loan and lease loss provision to assets | 0.2122% | 559 |
| Net operating income to assets | 0.5306% | 4,116 |
| Return on assets (ROA) | 0.5306% | 4,154 |
| Pretax return on assets | 0.5699% | 4,241 |
| Return on Equity (ROE) | 3.5721% | 4,362 |
| Retained earnings to average equity (ytd only) | 3.5721% | 3,616 |
| Net charge-offs to loans | 0.4132% | 201 |
| Credit loss provision to net charge-offs | 174.1935% | 936 |
| Earnings coverage of net charge-offs (x) | 6.4194% | 1,649 |
| Efficiency ratio | 77.2571% | 1,022 |
| Assets per employee ($millions) | 4.7350% | 3,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5406% | 1,460 |
| Loan loss allowance to noncurrent loans | 208.2192% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.2102% | 3,102 |
| Noncurrent loans to loans | 0.7399% | 1,752 |
| Net loans and leases to total assets | 27.9757% | 4,749 |
| Net loans and leases to deposits | 33.1694% | 4,739 |
| Net loans and leases to core deposits | 33.8298% | 4,760 |
| Total domestic deposits to total assets | 84.3418% | 3,323 |
| Equity capital to assets | 14.0061% | 671 |
| Core capital (leverage) ratio | 15.2330% | 446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,779,500 | 4,049 |
| Average earning assets | $94,655,000 | 4,042 |
| Average equity | $15,117,000 | 3,672 |
| Average total loans | $30,007,500 | 4,490 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4598% | 4,097 |
| Cost of funding earning assets | 0.1348% | 4,774 |
| Net interest margin | 3.3250% | 3,002 |
| Noninterest income to average assets | 0.7948% | 1,547 |
| Noninterest expense to average assets | 3.0204% | 1,391 |
| Loan and lease loss provision to assets | 0.3746% | 874 |
| Net operating income to assets | 0.4194% | 4,209 |
| Return on assets (ROA) | 0.7260% | 3,473 |
| Pretax return on assets | 0.8318% | 3,550 |
| Return on Equity (ROE) | 4.4219% | 4,054 |
| Retained earnings to average equity (ytd only) | 1.2312% | 4,131 |
| Net charge-offs to loans | 0.9695% | 138 |
| Credit loss provision to net charge-offs | 116.0656% | 2,674 |
| Earnings coverage of net charge-offs (x) | 2.6459% | 3,145 |
| Efficiency ratio | 77.9568% | 1,033 |
| Assets per employee ($millions) | 4.5177% | 3,898 |
| Cash dividends to net income (ytd only)* | 72.1574% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4268% | 1,863 |
| Loan loss allowance to noncurrent loans | 146.1279% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.2988% | 2,806 |
| Noncurrent loans to loans | 0.9764% | 1,446 |
| Net loans and leases to total assets | 30.1670% | 4,746 |
| Net loans and leases to deposits | 36.5905% | 4,732 |
| Net loans and leases to core deposits | 37.0261% | 4,758 |
| Total domestic deposits to total assets | 82.4449% | 3,552 |
| Equity capital to assets | 15.7400% | 459 |
| Core capital (leverage) ratio | 15.7654% | 413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,492,200 | 4,061 |
| Average earning assets | $87,518,400 | 4,061 |
| Average equity | $15,513,800 | 3,608 |
| Average total loans | $31,459,800 | 4,490 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6065% | 3,994 |
| Cost of funding earning assets | 0.1511% | 4,800 |
| Net interest margin | 3.4554% | 2,737 |
| Noninterest income to average assets | 0.8005% | 1,493 |
| Noninterest expense to average assets | 3.0635% | 1,306 |
| Loan and lease loss provision to assets | 0.2305% | 1,763 |
| Net operating income to assets | 0.5853% | 3,814 |
| Return on assets (ROA) | 0.7577% | 3,368 |
| Pretax return on assets | 0.9206% | 3,324 |
| Return on Equity (ROE) | 4.5645% | 4,010 |
| Retained earnings to average equity (ytd only) | 2.4373% | 3,767 |
| Net charge-offs to loans | 0.7398% | 189 |
| Credit loss provision to net charge-offs | 91.4773% | 2,689 |
| Earnings coverage of net charge-offs (x) | 3.7386% | 2,885 |
| Efficiency ratio | 76.5084% | 1,161 |
| Assets per employee ($millions) | 4.2780% | 4,063 |
| Cash dividends to net income (ytd only)* | 46.6038% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 2,558 |
| Loan loss allowance to noncurrent loans | 95.1157% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 2,512 |
| Noncurrent loans to loans | 1.2822% | 1,162 |
| Net loans and leases to total assets | 31.8423% | 4,791 |
| Net loans and leases to deposits | 39.3134% | 4,769 |
| Net loans and leases to core deposits | 39.8164% | 4,785 |
| Total domestic deposits to total assets | 80.9960% | 3,667 |
| Equity capital to assets | 16.9980% | 372 |
| Core capital (leverage) ratio | 16.0939% | 410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,267,750 | 4,074 |
| Average earning assets | $86,470,250 | 4,078 |
| Average equity | $15,481,250 | 3,610 |
| Average total loans | $31,720,500 | 4,511 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7240% | 4,036 |
| Cost of funding earning assets | 0.1742% | 4,822 |
| Net interest margin | 3.5498% | 2,635 |
| Noninterest income to average assets | 0.8475% | 1,296 |
| Noninterest expense to average assets | 3.0822% | 1,395 |
| Loan and lease loss provision to assets | 0.2301% | 1,827 |
| Net operating income to assets | 0.7034% | 3,385 |
| Return on assets (ROA) | 0.9722% | 2,546 |
| Pretax return on assets | 1.1378% | 2,583 |
| Return on Equity (ROE) | 5.9050% | 3,551 |
| Retained earnings to average equity (ytd only) | 2.6782% | 3,513 |
| Net charge-offs to loans | 0.5780% | 271 |
| Credit loss provision to net charge-offs | 115.0538% | 2,310 |
| Earnings coverage of net charge-offs (x) | 5.2581% | 2,528 |
| Efficiency ratio | 74.5578% | 1,411 |
| Assets per employee ($millions) | 4.4664% | 3,827 |
| Cash dividends to net income (ytd only)* | 54.6460% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 2,157 |
| Loan loss allowance to noncurrent loans | 90.0677% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.4508% | 2,516 |
| Noncurrent loans to loans | 1.4093% | 1,098 |
| Net loans and leases to total assets | 31.5846% | 4,827 |
| Net loans and leases to deposits | 38.5188% | 4,821 |
| Net loans and leases to core deposits | 39.1569% | 4,838 |
| Total domestic deposits to total assets | 81.9978% | 3,371 |
| Equity capital to assets | 16.1307% | 456 |
| Core capital (leverage) ratio | 16.1846% | 419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,984,667 | 4,082 |
| Average earning assets | $86,090,333 | 4,076 |
| Average equity | $15,309,000 | 3,624 |
| Average total loans | $32,181,000 | 4,524 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0142% | 3,749 |
| Cost of funding earning assets | 0.2206% | 4,841 |
| Net interest margin | 3.7936% | 2,005 |
| Noninterest income to average assets | 0.9386% | 981 |
| Noninterest expense to average assets | 3.2364% | 1,349 |
| Loan and lease loss provision to assets | 0.2391% | 1,300 |
| Net operating income to assets | 0.8857% | 2,565 |
| Return on assets (ROA) | 1.4699% | 910 |
| Pretax return on assets | 1.6071% | 1,032 |
| Return on Equity (ROE) | 8.8307% | 2,179 |
| Retained earnings to average equity (ytd only) | 8.8307% | 1,019 |
| Net charge-offs to loans | 0.5775% | 255 |
| Credit loss provision to net charge-offs | 114.8936% | 1,727 |
| Earnings coverage of net charge-offs (x) | 5.7872% | 2,028 |
| Efficiency ratio | 72.8814% | 1,951 |
| Assets per employee ($millions) | 4.1242% | 3,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 2,636 |
| Loan loss allowance to noncurrent loans | 95.3771% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4530% | 2,657 |
| Noncurrent loans to loans | 1.2645% | 1,293 |
| Net loans and leases to total assets | 35.3899% | 4,802 |
| Net loans and leases to deposits | 43.3808% | 4,775 |
| Net loans and leases to core deposits | 44.1630% | 4,806 |
| Total domestic deposits to total assets | 81.5798% | 3,529 |
| Equity capital to assets | 16.4628% | 513 |
| Core capital (leverage) ratio | 16.8070% | 431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,347,000 | 4,117 |
| Average earning assets | $83,403,000 | 4,116 |
| Average equity | $15,038,500 | 3,658 |
| Average total loans | $32,554,500 | 4,543 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1379% | 3,958 |
| Cost of funding earning assets | 0.2294% | 4,899 |
| Net interest margin | 3.9085% | 2,145 |
| Noninterest income to average assets | 1.0235% | 924 |
| Noninterest expense to average assets | 3.1032% | 1,750 |
| Loan and lease loss provision to assets | 0.2550% | 706 |
| Net operating income to assets | 1.0703% | 2,575 |
| Return on assets (ROA) | 1.1314% | 2,425 |
| Pretax return on assets | 1.3359% | 2,376 |
| Return on Equity (ROE) | 6.8836% | 3,592 |
| Retained earnings to average equity (ytd only) | 3.4999% | 3,259 |
| Net charge-offs to loans | 0.4959% | 377 |
| Credit loss provision to net charge-offs | 143.6709% | 1,791 |
| Earnings coverage of net charge-offs (x) | 8.5570% | 2,763 |
| Efficiency ratio | 67.1366% | 2,598 |
| Assets per employee ($millions) | 4.0892% | 3,790 |
| Cash dividends to net income (ytd only)* | 49.1559% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1807% | 2,546 |
| Loan loss allowance to noncurrent loans | 68.8730% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 0.6214% | 2,027 |
| Noncurrent loans to loans | 1.7144% | 801 |
| Net loans and leases to total assets | 35.8173% | 4,847 |
| Net loans and leases to deposits | 44.1518% | 4,825 |
| Net loans and leases to core deposits | 45.0330% | 4,849 |
| Total domestic deposits to total assets | 81.1231% | 3,741 |
| Equity capital to assets | 16.8293% | 489 |
| Core capital (leverage) ratio | 16.9330% | 420 |
| Tier 1 risk-based capital ratio | 32.5604% | 398 |
| Total risk-based capital ratio | 33.4050% | 402 |
| Memoranda: | ||
| Average total assets | $89,005,400 | 4,163 |
| Average earning assets | $81,949,800 | 4,155 |
| Average equity | $14,629,000 | 3,672 |
| Average total loans | $31,861,200 | 4,602 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1414% | 4,060 |
| Cost of funding earning assets | 0.2413% | 4,942 |
| Net interest margin | 3.9001% | 2,254 |
| Noninterest income to average assets | 1.0289% | 879 |
| Noninterest expense to average assets | 3.1227% | 1,662 |
| Loan and lease loss provision to assets | 0.2599% | 613 |
| Net operating income to assets | 1.0428% | 2,808 |
| Return on assets (ROA) | 1.1235% | 2,572 |
| Pretax return on assets | 1.3353% | 2,547 |
| Return on Equity (ROE) | 6.8774% | 3,732 |
| Retained earnings to average equity (ytd only) | 4.6064% | 3,101 |
| Net charge-offs to loans | 0.4125% | 402 |
| Credit loss provision to net charge-offs | 176.5306% | 1,449 |
| Earnings coverage of net charge-offs (x) | 10.1839% | 2,515 |
| Efficiency ratio | 67.5658% | 2,488 |
| Assets per employee ($millions) | 3.9264% | 3,992 |
| Cash dividends to net income (ytd only)* | 33.0218% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 2,483 |
| Loan loss allowance to noncurrent loans | 71.2204% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 0.6356% | 2,095 |
| Noncurrent loans to loans | 1.6895% | 864 |
| Net loans and leases to total assets | 37.1649% | 4,897 |
| Net loans and leases to deposits | 46.2839% | 4,866 |
| Net loans and leases to core deposits | 47.0139% | 4,894 |
| Total domestic deposits to total assets | 80.2975% | 3,923 |
| Equity capital to assets | 17.5017% | 438 |
| Core capital (leverage) ratio | 17.2990% | 404 |
| Tier 1 risk-based capital ratio | 29.7700% | 492 |
| Total risk-based capital ratio | 30.5548% | 499 |
| Memoranda: | ||
| Average total assets | $88,766,250 | 4,217 |
| Average earning assets | $81,773,000 | 4,209 |
| Average equity | $14,501,250 | 3,717 |
| Average total loans | $31,674,750 | 4,671 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1029% | 4,152 |
| Cost of funding earning assets | 0.2643% | 4,916 |
| Net interest margin | 3.8386% | 2,443 |
| Noninterest income to average assets | 1.1098% | 691 |
| Noninterest expense to average assets | 3.0906% | 1,755 |
| Loan and lease loss provision to assets | 0.2389% | 659 |
| Net operating income to assets | 1.1406% | 2,368 |
| Return on assets (ROA) | 1.1523% | 2,390 |
| Pretax return on assets | 1.3287% | 2,444 |
| Return on Equity (ROE) | 7.2190% | 3,595 |
| Retained earnings to average equity (ytd only) | 3.7634% | 3,374 |
| Net charge-offs to loans | 0.4076% | 410 |
| Credit loss provision to net charge-offs | 167.1875% | 1,379 |
| Earnings coverage of net charge-offs (x) | 10.8750% | 2,235 |
| Efficiency ratio | 66.5385% | 2,745 |
| Assets per employee ($millions) | 4.1029% | 3,728 |
| Cash dividends to net income (ytd only)* | 47.8682% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 2,923 |
| Loan loss allowance to noncurrent loans | 67.3546% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 2,246 |
| Noncurrent loans to loans | 1.6731% | 912 |
| Net loans and leases to total assets | 34.8954% | 5,009 |
| Net loans and leases to deposits | 42.7457% | 4,982 |
| Net loans and leases to core deposits | 45.1578% | 4,981 |
| Total domestic deposits to total assets | 81.6350% | 3,625 |
| Equity capital to assets | 16.3509% | 561 |
| Core capital (leverage) ratio | 16.3796% | 497 |
| Tier 1 risk-based capital ratio | 33.9338% | 365 |
| Total risk-based capital ratio | 34.7682% | 368 |
| Memoranda: | ||
| Average total assets | $89,561,670 | 4,229 |
| Average earning assets | $82,479,000 | 4,229 |
| Average equity | $14,295,670 | 3,750 |
| Average total loans | $31,401,670 | 4,709 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1373% | 4,039 |
| Cost of funding earning assets | 0.2677% | 4,935 |
| Net interest margin | 3.8696% | 2,285 |
| Noninterest income to average assets | 1.0985% | 669 |
| Noninterest expense to average assets | 3.0848% | 1,762 |
| Loan and lease loss provision to assets | 0.2421% | 611 |
| Net operating income to assets | 1.1837% | 2,116 |
| Return on assets (ROA) | 1.1837% | 2,166 |
| Pretax return on assets | 1.3362% | 2,307 |
| Return on Equity (ROE) | 7.5085% | 3,455 |
| Retained earnings to average equity (ytd only) | 7.5085% | 1,843 |
| Net charge-offs to loans | 0.3079% | 488 |
| Credit loss provision to net charge-offs | 225.0000% | 977 |
| Earnings coverage of net charge-offs (x) | 14.6667% | 1,781 |
| Efficiency ratio | 66.1538% | 2,924 |
| Assets per employee ($millions) | 4.1117% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1079% | 3,082 |
| Loan loss allowance to noncurrent loans | 79.7235% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 0.4798% | 2,688 |
| Noncurrent loans to loans | 1.3896% | 1,163 |
| Net loans and leases to total assets | 34.1429% | 5,070 |
| Net loans and leases to deposits | 41.5926% | 5,048 |
| Net loans and leases to core deposits | 43.9200% | 5,045 |
| Total domestic deposits to total assets | 82.0889% | 3,701 |
| Equity capital to assets | 15.9510% | 581 |
| Core capital (leverage) ratio | 16.3972% | 482 |
| Tier 1 risk-based capital ratio | 34.9462% | 326 |
| Total risk-based capital ratio | 35.7747% | 330 |
| Memoranda: | ||
| Average total assets | $89,210,500 | 4,276 |
| Average earning assets | $82,178,500 | 4,277 |
| Average equity | $14,064,000 | 3,791 |
| Average total loans | $31,174,000 | 4,767 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9308% | 4,210 |
| Cost of funding earning assets | 0.1638% | 5,135 |
| Net interest margin | 3.7670% | 2,799 |
| Noninterest income to average assets | 1.0728% | 814 |
| Noninterest expense to average assets | 3.1553% | 1,659 |
| Loan and lease loss provision to assets | 0.2364% | 753 |
| Net operating income to assets | 0.9846% | 3,080 |
| Return on assets (ROA) | 0.9856% | 3,074 |
| Pretax return on assets | 1.1393% | 3,136 |
| Return on Equity (ROE) | 6.3607% | 4,046 |
| Retained earnings to average equity (ytd only) | 2.7472% | 4,028 |
| Net charge-offs to loans | 0.6676% | 249 |
| Credit loss provision to net charge-offs | 105.1020% | 2,423 |
| Earnings coverage of net charge-offs (x) | 6.1122% | 3,124 |
| Efficiency ratio | 69.6555% | 2,254 |
| Assets per employee ($millions) | 3.9983% | 3,893 |
| Cash dividends to net income (ytd only)* | 56.8102% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0155% | 3,586 |
| Loan loss allowance to noncurrent loans | 98.1366% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 3,091 |
| Noncurrent loans to loans | 1.0348% | 1,584 |
| Net loans and leases to total assets | 35.0159% | 5,097 |
| Net loans and leases to deposits | 42.4771% | 5,066 |
| Net loans and leases to core deposits | 44.6721% | 5,069 |
| Total domestic deposits to total assets | 82.4347% | 3,509 |
| Equity capital to assets | 15.5736% | 606 |
| Core capital (leverage) ratio | 16.6342% | 445 |
| Tier 1 risk-based capital ratio | 34.1694% | 334 |
| Total risk-based capital ratio | 34.9229% | 344 |
| Memoranda: | ||
| Average total assets | $87,155,200 | 4,313 |
| Average earning assets | $79,984,200 | 4,316 |
| Average equity | $13,504,800 | 3,816 |
| Average total loans | $29,359,600 | 4,831 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8724% | 4,274 |
| Cost of funding earning assets | 0.1553% | 5,206 |
| Net interest margin | 3.7171% | 2,956 |
| Noninterest income to average assets | 1.0381% | 887 |
| Noninterest expense to average assets | 3.1510% | 1,639 |
| Loan and lease loss provision to assets | 0.1993% | 873 |
| Net operating income to assets | 0.9693% | 3,220 |
| Return on assets (ROA) | 0.9706% | 3,229 |
| Pretax return on assets | 1.1025% | 3,389 |
| Return on Equity (ROE) | 6.2720% | 4,178 |
| Retained earnings to average equity (ytd only) | 3.8940% | 3,823 |
| Net charge-offs to loans | 0.6454% | 223 |
| Credit loss provision to net charge-offs | 92.8571% | 2,388 |
| Earnings coverage of net charge-offs (x) | 6.0572% | 2,919 |
| Efficiency ratio | 70.7888% | 2,075 |
| Assets per employee ($millions) | 3.9146% | 4,026 |
| Cash dividends to net income (ytd only)* | 37.9144% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 3,917 |
| Loan loss allowance to noncurrent loans | 86.0465% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 3,086 |
| Noncurrent loans to loans | 1.1332% | 1,497 |
| Net loans and leases to total assets | 34.9051% | 5,177 |
| Net loans and leases to deposits | 42.3657% | 5,146 |
| Net loans and leases to core deposits | 44.6049% | 5,153 |
| Total domestic deposits to total assets | 82.3901% | 3,492 |
| Equity capital to assets | 15.5071% | 615 |
| Core capital (leverage) ratio | 17.0128% | 418 |
| Tier 1 risk-based capital ratio | 35.0759% | 322 |
| Total risk-based capital ratio | 35.7993% | 327 |
| Memoranda: | ||
| Average total assets | $86,953,250 | 4,365 |
| Average earning assets | $79,845,750 | 4,368 |
| Average equity | $13,456,250 | 3,856 |
| Average total loans | $28,920,250 | 4,900 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7955% | 4,353 |
| Cost of funding earning assets | 0.1571% | 5,215 |
| Net interest margin | 3.6384% | 3,165 |
| Noninterest income to average assets | 1.0134% | 931 |
| Noninterest expense to average assets | 3.1549% | 1,650 |
| Loan and lease loss provision to assets | 0.1582% | 1,185 |
| Net operating income to assets | 0.9217% | 3,359 |
| Return on assets (ROA) | 0.9217% | 3,360 |
| Pretax return on assets | 1.0455% | 3,526 |
| Return on Equity (ROE) | 5.9600% | 4,256 |
| Retained earnings to average equity (ytd only) | 2.4018% | 4,305 |
| Net charge-offs to loans | 0.6258% | 232 |
| Credit loss provision to net charge-offs | 77.5281% | 2,284 |
| Earnings coverage of net charge-offs (x) | 5.8989% | 2,676 |
| Efficiency ratio | 72.3830% | 1,935 |
| Assets per employee ($millions) | 3.9149% | 4,033 |
| Cash dividends to net income (ytd only)* | 59.7015% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9832% | 3,940 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 3,430 |
| Noncurrent loans to loans | 0.9832% | 1,778 |
| Net loans and leases to total assets | 33.4421% | 5,256 |
| Net loans and leases to deposits | 40.5476% | 5,232 |
| Net loans and leases to core deposits | 42.4748% | 5,229 |
| Total domestic deposits to total assets | 82.4761% | 3,569 |
| Equity capital to assets | 15.4828% | 596 |
| Core capital (leverage) ratio | 16.4513% | 450 |
| Tier 1 risk-based capital ratio | 33.9904% | 346 |
| Total risk-based capital ratio | 34.6788% | 353 |
| Memoranda: | ||
| Average total assets | $87,230,330 | 4,393 |
| Average earning assets | $80,201,000 | 4,399 |
| Average equity | $13,490,000 | 3,870 |
| Average total loans | $28,441,330 | 4,962 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7199% | 4,426 |
| Cost of funding earning assets | 0.1482% | 5,280 |
| Net interest margin | 3.5716% | 3,275 |
| Noninterest income to average assets | 0.9797% | 951 |
| Noninterest expense to average assets | 3.2034% | 1,555 |
| Loan and lease loss provision to assets | 0.1732% | 1,013 |
| Net operating income to assets | 0.7701% | 3,831 |
| Return on assets (ROA) | 0.7701% | 3,829 |
| Pretax return on assets | 0.8977% | 3,859 |
| Return on Equity (ROE) | 4.9825% | 4,496 |
| Retained earnings to average equity (ytd only) | 4.9825% | 3,179 |
| Net charge-offs to loans | 0.2561% | 600 |
| Credit loss provision to net charge-offs | 211.1111% | 1,014 |
| Earnings coverage of net charge-offs (x) | 13.0556% | 1,771 |
| Efficiency ratio | 74.9467% | 1,751 |
| Assets per employee ($millions) | 3.9464% | 4,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 3,080 |
| Loan loss allowance to noncurrent loans | 69.9571% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 0.5367% | 2,732 |
| Noncurrent loans to loans | 1.6468% | 1,050 |
| Net loans and leases to total assets | 32.2172% | 5,320 |
| Net loans and leases to deposits | 39.0144% | 5,291 |
| Net loans and leases to core deposits | 40.8509% | 5,291 |
| Total domestic deposits to total assets | 82.5777% | 3,794 |
| Equity capital to assets | 15.4768% | 571 |
| Core capital (leverage) ratio | 16.4333% | 439 |
| Tier 1 risk-based capital ratio | 36.4074% | 296 |
| Total risk-based capital ratio | 37.2475% | 300 |
| Memoranda: | ||
| Average total assets | $87,781,500 | 4,434 |
| Average earning assets | $80,971,000 | 4,435 |
| Average equity | $13,567,500 | 3,893 |
| Average total loans | $28,117,500 | 5,017 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6716% | 4,404 |
| Cost of funding earning assets | 0.1316% | 5,359 |
| Net interest margin | 3.5399% | 3,378 |
| Noninterest income to average assets | 1.0712% | 890 |
| Noninterest expense to average assets | 3.1421% | 1,741 |
| Loan and lease loss provision to assets | 0.0881% | 2,430 |
| Net operating income to assets | 0.6524% | 3,807 |
| Return on assets (ROA) | 0.6930% | 3,684 |
| Pretax return on assets | 1.1582% | 2,953 |
| Return on Equity (ROE) | 4.2422% | 4,422 |
| Retained earnings to average equity (ytd only) | 0.7909% | 4,721 |
| Net charge-offs to loans | 0.5056% | 465 |
| Credit loss provision to net charge-offs | 57.2519% | 3,244 |
| Earnings coverage of net charge-offs (x) | 7.6870% | 3,011 |
| Efficiency ratio | 72.6507% | 2,134 |
| Assets per employee ($millions) | 4.0338% | 3,911 |
| Cash dividends to net income (ytd only)* | 81.3559% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 3,383 |
| Loan loss allowance to noncurrent loans | 55.2347% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 0.6243% | 2,457 |
| Noncurrent loans to loans | 1.9830% | 773 |
| Net loans and leases to total assets | 31.1371% | 5,413 |
| Net loans and leases to deposits | 37.6797% | 5,400 |
| Net loans and leases to core deposits | 39.4112% | 5,396 |
| Total domestic deposits to total assets | 82.6364% | 3,679 |
| Equity capital to assets | 15.4356% | 596 |
| Core capital (leverage) ratio | 16.6673% | 395 |
| Tier 1 risk-based capital ratio | 35.4027% | 309 |
| Total risk-based capital ratio | 36.1787% | 315 |
| Memoranda: | ||
| Average total assets | $85,134,400 | 4,499 |
| Average earning assets | $78,249,800 | 4,490 |
| Average equity | $13,908,000 | 3,852 |
| Average total loans | $25,907,400 | 5,131 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6431% | 4,458 |
| Cost of funding earning assets | 0.1344% | 5,405 |
| Net interest margin | 3.5087% | 3,475 |
| Noninterest income to average assets | 1.0415% | 938 |
| Noninterest expense to average assets | 3.1436% | 1,693 |
| Loan and lease loss provision to assets | 0.0886% | 2,305 |
| Net operating income to assets | 0.8432% | 3,307 |
| Return on assets (ROA) | 0.9133% | 3,016 |
| Pretax return on assets | 1.1175% | 3,241 |
| Return on Equity (ROE) | 5.5106% | 4,312 |
| Retained earnings to average equity (ytd only) | 3.2185% | 4,008 |
| Net charge-offs to loans | 0.3569% | 593 |
| Credit loss provision to net charge-offs | 82.3529% | 2,548 |
| Earnings coverage of net charge-offs (x) | 10.4123% | 2,596 |
| Efficiency ratio | 73.7194% | 1,937 |
| Assets per employee ($millions) | 3.8135% | 4,294 |
| Cash dividends to net income (ytd only)* | 41.5944% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 2,221 |
| Loan loss allowance to noncurrent loans | 74.6269% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 0.5590% | 2,848 |
| Noncurrent loans to loans | 1.7788% | 1,011 |
| Net loans and leases to total assets | 31.0095% | 5,476 |
| Net loans and leases to deposits | 38.3423% | 5,451 |
| Net loans and leases to core deposits | 40.2531% | 5,453 |
| Total domestic deposits to total assets | 80.8754% | 4,085 |
| Equity capital to assets | 17.0244% | 424 |
| Core capital (leverage) ratio | 17.2646% | 360 |
| Tier 1 risk-based capital ratio | 39.1506% | 233 |
| Total risk-based capital ratio | 40.1165% | 234 |
| Memoranda: | ||
| Average total assets | $84,232,250 | 4,555 |
| Average earning assets | $77,368,250 | 4,555 |
| Average equity | $13,960,500 | 3,886 |
| Average total loans | $25,399,750 | 5,200 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5712% | 4,590 |
| Cost of funding earning assets | 0.1370% | 5,406 |
| Net interest margin | 3.4343% | 3,652 |
| Noninterest income to average assets | 1.0339% | 951 |
| Noninterest expense to average assets | 3.1229% | 1,787 |
| Loan and lease loss provision to assets | 0.0901% | 2,176 |
| Net operating income to assets | 0.7986% | 3,410 |
| Return on assets (ROA) | 0.8181% | 3,360 |
| Pretax return on assets | 0.9959% | 3,583 |
| Return on Equity (ROE) | 4.9809% | 4,482 |
| Retained earnings to average equity (ytd only) | 1.5159% | 4,641 |
| Net charge-offs to loans | 0.4546% | 439 |
| Credit loss provision to net charge-offs | 66.6667% | 2,410 |
| Earnings coverage of net charge-offs (x) | 7.8596% | 2,569 |
| Efficiency ratio | 74.6176% | 1,909 |
| Assets per employee ($millions) | 3.8785% | 4,162 |
| Cash dividends to net income (ytd only)* | 69.5652% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3147% | 2,337 |
| Loan loss allowance to noncurrent loans | 71.6075% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 0.5614% | 2,895 |
| Noncurrent loans to loans | 1.8360% | 969 |
| Net loans and leases to total assets | 30.1742% | 5,539 |
| Net loans and leases to deposits | 37.0572% | 5,520 |
| Net loans and leases to core deposits | 39.0585% | 5,523 |
| Total domestic deposits to total assets | 81.4258% | 4,070 |
| Equity capital to assets | 16.5819% | 458 |
| Core capital (leverage) ratio | 16.7308% | 391 |
| Tier 1 risk-based capital ratio | 38.0121% | 246 |
| Total risk-based capital ratio | 38.9464% | 243 |
| Memoranda: | ||
| Average total assets | $84,344,000 | 4,588 |
| Average earning assets | $77,396,000 | 4,577 |
| Average equity | $13,853,000 | 3,909 |
| Average total loans | $25,077,670 | 5,244 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5555% | 4,533 |
| Cost of funding earning assets | 0.1353% | 5,459 |
| Net interest margin | 3.4202% | 3,572 |
| Noninterest income to average assets | 1.0447% | 921 |
| Noninterest expense to average assets | 3.1055% | 1,851 |
| Loan and lease loss provision to assets | 0.0906% | 2,032 |
| Net operating income to assets | 0.7962% | 3,238 |
| Return on assets (ROA) | 0.8348% | 3,112 |
| Pretax return on assets | 1.0304% | 3,236 |
| Return on Equity (ROE) | 5.1076% | 4,336 |
| Retained earnings to average equity (ytd only) | 5.1076% | 2,826 |
| Net charge-offs to loans | 0.5209% | 347 |
| Credit loss provision to net charge-offs | 59.3750% | 1,912 |
| Earnings coverage of net charge-offs (x) | 7.0313% | 2,171 |
| Efficiency ratio | 74.3151% | 2,180 |
| Assets per employee ($millions) | 3.8480% | 4,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4315% | 1,940 |
| Loan loss allowance to noncurrent loans | 62.2103% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 0.6627% | 2,648 |
| Noncurrent loans to loans | 2.3011% | 718 |
| Net loans and leases to total assets | 28.3870% | 5,623 |
| Net loans and leases to deposits | 34.7555% | 5,606 |
| Net loans and leases to core deposits | 36.6416% | 5,608 |
| Total domestic deposits to total assets | 81.6762% | 4,252 |
| Equity capital to assets | 16.4208% | 440 |
| Core capital (leverage) ratio | 16.7327% | 386 |
| Tier 1 risk-based capital ratio | 39.7077% | 227 |
| Total risk-based capital ratio | 40.7136% | 227 |
| Memoranda: | ||
| Average total assets | $83,852,000 | 4,641 |
| Average earning assets | $76,838,000 | 4,634 |
| Average equity | $13,705,000 | 3,961 |
| Average total loans | $24,571,500 | 5,317 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4732% | 4,836 |
| Cost of funding earning assets | 0.1178% | 5,621 |
| Net interest margin | 3.3554% | 3,981 |
| Noninterest income to average assets | 1.0065% | 1,128 |
| Noninterest expense to average assets | 3.1301% | 1,952 |
| Loan and lease loss provision to assets | 0.1519% | 1,647 |
| Net operating income to assets | 0.6345% | 4,073 |
| Return on assets (ROA) | 0.8813% | 3,039 |
| Pretax return on assets | 1.1183% | 3,025 |
| Return on Equity (ROE) | 5.1301% | 4,357 |
| Retained earnings to average equity (ytd only) | 1.7336% | 4,543 |
| Net charge-offs to loans | 0.5209% | 466 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 6.3040% | 3,197 |
| Efficiency ratio | 76.5685% | 1,907 |
| Assets per employee ($millions) | 4.1525% | 3,702 |
| Cash dividends to net income (ytd only)* | 66.2069% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4619% | 1,832 |
| Loan loss allowance to noncurrent loans | 98.3696% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 3,493 |
| Noncurrent loans to loans | 1.4861% | 1,357 |
| Net loans and leases to total assets | 29.3814% | 5,652 |
| Net loans and leases to deposits | 35.9377% | 5,638 |
| Net loans and leases to core deposits | 37.9257% | 5,638 |
| Total domestic deposits to total assets | 81.7566% | 4,140 |
| Equity capital to assets | 16.2663% | 465 |
| Core capital (leverage) ratio | 17.2639% | 339 |
| Tier 1 risk-based capital ratio | 39.7532% | 223 |
| Total risk-based capital ratio | 40.7922% | 225 |
| Memoranda: | ||
| Average total assets | $82,265,000 | 4,689 |
| Average earning assets | $75,549,800 | 4,687 |
| Average equity | $14,132,400 | 3,928 |
| Average total loans | $23,996,600 | 5,393 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4748% | 4,885 |
| Cost of funding earning assets | 0.1166% | 5,692 |
| Net interest margin | 3.3582% | 4,006 |
| Noninterest income to average assets | 1.0235% | 1,096 |
| Noninterest expense to average assets | 3.1501% | 1,898 |
| Loan and lease loss provision to assets | 0.1722% | 1,311 |
| Net operating income to assets | 0.6270% | 4,175 |
| Return on assets (ROA) | 0.9569% | 2,766 |
| Pretax return on assets | 1.2071% | 2,806 |
| Return on Equity (ROE) | 5.4962% | 4,318 |
| Retained earnings to average equity (ytd only) | 3.2567% | 3,955 |
| Net charge-offs to loans | 0.3585% | 629 |
| Credit loss provision to net charge-offs | 165.6250% | 1,671 |
| Earnings coverage of net charge-offs (x) | 9.2501% | 2,688 |
| Efficiency ratio | 76.6100% | 1,895 |
| Assets per employee ($millions) | 3.6783% | 4,517 |
| Cash dividends to net income (ytd only)* | 40.7470% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7077% | 1,205 |
| Loan loss allowance to noncurrent loans | 114.4476% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.4362% | 3,679 |
| Noncurrent loans to loans | 1.4921% | 1,444 |
| Net loans and leases to total assets | 28.7360% | 5,738 |
| Net loans and leases to deposits | 35.9207% | 5,729 |
| Net loans and leases to core deposits | 38.0092% | 5,723 |
| Total domestic deposits to total assets | 79.9983% | 4,515 |
| Equity capital to assets | 17.8886% | 354 |
| Core capital (leverage) ratio | 17.6149% | 327 |
| Tier 1 risk-based capital ratio | 41.6599% | 202 |
| Total risk-based capital ratio | 42.8661% | 203 |
| Memoranda: | ||
| Average total assets | $82,069,000 | 4,730 |
| Average earning assets | $75,474,250 | 4,728 |
| Average equity | $14,288,250 | 3,941 |
| Average total loans | $23,805,000 | 5,452 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4779% | 4,928 |
| Cost of funding earning assets | 0.1160% | 5,775 |
| Net interest margin | 3.3619% | 4,018 |
| Noninterest income to average assets | 1.0406% | 1,033 |
| Noninterest expense to average assets | 3.1122% | 2,022 |
| Loan and lease loss provision to assets | 0.1819% | 1,198 |
| Net operating income to assets | 0.6695% | 3,964 |
| Return on assets (ROA) | 1.0964% | 2,093 |
| Pretax return on assets | 1.3729% | 2,126 |
| Return on Equity (ROE) | 6.3547% | 3,870 |
| Retained earnings to average equity (ytd only) | 2.9805% | 4,017 |
| Net charge-offs to loans | 0.2348% | 1,002 |
| Credit loss provision to net charge-offs | 267.8571% | 1,050 |
| Earnings coverage of net charge-offs (x) | 15.0357% | 2,018 |
| Efficiency ratio | 75.2934% | 2,183 |
| Assets per employee ($millions) | 3.9440% | 4,010 |
| Cash dividends to net income (ytd only)* | 53.0973% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6874% | 1,297 |
| Loan loss allowance to noncurrent loans | 108.4881% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 0.4552% | 3,690 |
| Noncurrent loans to loans | 1.5553% | 1,389 |
| Net loans and leases to total assets | 28.7719% | 5,806 |
| Net loans and leases to deposits | 35.6454% | 5,796 |
| Net loans and leases to core deposits | 37.8488% | 5,787 |
| Total domestic deposits to total assets | 80.7169% | 4,358 |
| Equity capital to assets | 17.2909% | 396 |
| Core capital (leverage) ratio | 17.4310% | 332 |
| Tier 1 risk-based capital ratio | 40.2652% | 228 |
| Total risk-based capital ratio | 41.4571% | 225 |
| Memoranda: | ||
| Average total assets | $82,451,000 | 4,758 |
| Average earning assets | $75,850,000 | 4,759 |
| Average equity | $14,225,670 | 3,968 |
| Average total loans | $23,854,000 | 5,507 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5308% | 4,812 |
| Cost of funding earning assets | 0.1165% | 5,840 |
| Net interest margin | 3.4143% | 3,823 |
| Noninterest income to average assets | 1.1232% | 865 |
| Noninterest expense to average assets | 2.9709% | 2,479 |
| Loan and lease loss provision to assets | 0.1848% | 1,078 |
| Net operating income to assets | 0.9469% | 2,522 |
| Return on assets (ROA) | 1.7116% | 602 |
| Pretax return on assets | 2.0033% | 564 |
| Return on Equity (ROE) | 9.9309% | 2,010 |
| Retained earnings to average equity (ytd only) | 9.9309% | 858 |
| Net charge-offs to loans | 0.4564% | 495 |
| Credit loss provision to net charge-offs | 140.7407% | 1,315 |
| Earnings coverage of net charge-offs (x) | 9.8148% | 1,961 |
| Efficiency ratio | 69.7489% | 3,175 |
| Assets per employee ($millions) | 4.0398% | 3,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5805% | 1,677 |
| Loan loss allowance to noncurrent loans | 91.4216% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 0.5050% | 3,586 |
| Noncurrent loans to loans | 1.7288% | 1,297 |
| Net loans and leases to total assets | 28.7481% | 5,854 |
| Net loans and leases to deposits | 35.8475% | 5,832 |
| Net loans and leases to core deposits | 38.1371% | 5,818 |
| Total domestic deposits to total assets | 80.1956% | 4,701 |
| Equity capital to assets | 17.8278% | 343 |
| Core capital (leverage) ratio | 17.5670% | 328 |
| Tier 1 risk-based capital ratio | 41.4388% | 216 |
| Total risk-based capital ratio | 42.5462% | 217 |
| Memoranda: | ||
| Average total assets | $82,264,500 | 4,808 |
| Average earning assets | $75,563,500 | 4,814 |
| Average equity | $14,178,000 | 3,986 |
| Average total loans | $23,661,500 | 5,564 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6500% | 4,524 |
| Cost of funding earning assets | 0.1209% | 5,875 |
| Net interest margin | 3.5291% | 3,417 |
| Noninterest income to average assets | 1.3232% | 690 |
| Noninterest expense to average assets | 3.2273% | 1,895 |
| Loan and lease loss provision to assets | 0.1778% | 1,275 |
| Net operating income to assets | 0.9406% | 2,659 |
| Return on assets (ROA) | 1.0469% | 2,224 |
| Pretax return on assets | 1.2639% | 2,418 |
| Return on Equity (ROE) | 6.3632% | 3,863 |
| Retained earnings to average equity (ytd only) | 2.9042% | 3,991 |
| Net charge-offs to loans | 0.8087% | 275 |
| Credit loss provision to net charge-offs | 74.2574% | 3,053 |
| Earnings coverage of net charge-offs (x) | 5.4851% | 3,384 |
| Efficiency ratio | 71.0705% | 3,058 |
| Assets per employee ($millions) | 3.8061% | 4,277 |
| Cash dividends to net income (ytd only)* | 54.3601% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 1,877 |
| Loan loss allowance to noncurrent loans | 85.7820% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 0.5040% | 3,625 |
| Noncurrent loans to loans | 1.7789% | 1,247 |
| Net loans and leases to total assets | 27.8991% | 5,945 |
| Net loans and leases to deposits | 34.2733% | 5,924 |
| Net loans and leases to core deposits | 36.3471% | 5,913 |
| Total domestic deposits to total assets | 81.4018% | 4,372 |
| Equity capital to assets | 16.6623% | 443 |
| Core capital (leverage) ratio | 17.1389% | 350 |
| Tier 1 risk-based capital ratio | 40.3087% | 225 |
| Total risk-based capital ratio | 41.3813% | 227 |
| Memoranda: | ||
| Average total assets | $84,342,600 | 4,784 |
| Average earning assets | $76,904,000 | 4,789 |
| Average equity | $13,876,600 | 3,997 |
| Average total loans | $24,979,800 | 5,552 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6965% | 4,434 |
| Cost of funding earning assets | 0.1232% | 5,963 |
| Net interest margin | 3.5734% | 3,260 |
| Noninterest income to average assets | 1.4565% | 578 |
| Noninterest expense to average assets | 3.2522% | 1,818 |
| Loan and lease loss provision to assets | 0.0884% | 2,389 |
| Net operating income to assets | 1.1507% | 1,826 |
| Return on assets (ROA) | 1.2434% | 1,569 |
| Pretax return on assets | 1.4770% | 1,747 |
| Return on Equity (ROE) | 7.5816% | 3,298 |
| Retained earnings to average equity (ytd only) | 5.2725% | 2,744 |
| Net charge-offs to loans | 0.8118% | 248 |
| Credit loss provision to net charge-offs | 36.3636% | 3,204 |
| Earnings coverage of net charge-offs (x) | 5.9869% | 3,123 |
| Efficiency ratio | 69.0915% | 3,357 |
| Assets per employee ($millions) | 3.6417% | 4,536 |
| Cash dividends to net income (ytd only)* | 30.4567% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3053% | 3,060 |
| Loan loss allowance to noncurrent loans | 89.5184% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 4,022 |
| Noncurrent loans to loans | 1.4581% | 1,715 |
| Net loans and leases to total assets | 29.8223% | 5,979 |
| Net loans and leases to deposits | 37.2415% | 5,946 |
| Net loans and leases to core deposits | 39.6439% | 5,927 |
| Total domestic deposits to total assets | 80.0781% | 4,727 |
| Equity capital to assets | 17.8000% | 359 |
| Core capital (leverage) ratio | 16.7480% | 401 |
| Tier 1 risk-based capital ratio | 39.6919% | 252 |
| Total risk-based capital ratio | 40.6053% | 255 |
| Memoranda: | ||
| Average total assets | $84,494,750 | 4,837 |
| Average earning assets | $76,862,750 | 4,849 |
| Average equity | $13,857,750 | 4,048 |
| Average total loans | $25,294,000 | 5,602 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6247% | 4,653 |
| Cost of funding earning assets | 0.1229% | 6,030 |
| Net interest margin | 3.5018% | 3,486 |
| Noninterest income to average assets | 1.0820% | 1,024 |
| Noninterest expense to average assets | 3.0947% | 2,259 |
| Loan and lease loss provision to assets | 0.0884% | 2,338 |
| Net operating income to assets | 0.8719% | 3,033 |
| Return on assets (ROA) | 0.9982% | 2,508 |
| Pretax return on assets | 1.2379% | 2,616 |
| Return on Equity (ROE) | 6.2521% | 4,015 |
| Retained earnings to average equity (ytd only) | 2.7544% | 4,299 |
| Net charge-offs to loans | 0.9978% | 209 |
| Credit loss provision to net charge-offs | 29.6875% | 2,929 |
| Earnings coverage of net charge-offs (x) | 3.9297% | 3,117 |
| Efficiency ratio | 72.5586% | 2,920 |
| Assets per employee ($millions) | 4.0446% | 3,787 |
| Cash dividends to net income (ytd only)* | 55.9441% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 3,283 |
| Loan loss allowance to noncurrent loans | 76.5957% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4980% | 3,958 |
| Noncurrent loans to loans | 1.6877% | 1,537 |
| Net loans and leases to total assets | 29.1263% | 6,062 |
| Net loans and leases to deposits | 35.4997% | 6,048 |
| Net loans and leases to core deposits | 39.0828% | 5,987 |
| Total domestic deposits to total assets | 82.0467% | 4,284 |
| Equity capital to assets | 16.0001% | 530 |
| Core capital (leverage) ratio | 15.8066% | 493 |
| Tier 1 risk-based capital ratio | 37.2258% | 308 |
| Total risk-based capital ratio | 38.1277% | 313 |
| Memoranda: | ||
| Average total assets | $85,953,670 | 4,857 |
| Average earning assets | $78,131,670 | 4,868 |
| Average equity | $13,723,330 | 4,093 |
| Average total loans | $25,655,670 | 5,647 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6085% | 4,664 |
| Cost of funding earning assets | 0.1215% | 6,105 |
| Net interest margin | 3.4870% | 3,491 |
| Noninterest income to average assets | 1.0964% | 941 |
| Noninterest expense to average assets | 3.0117% | 2,547 |
| Loan and lease loss provision to assets | 0.0879% | 2,225 |
| Net operating income to assets | 0.9296% | 2,610 |
| Return on assets (ROA) | 0.9808% | 2,472 |
| Pretax return on assets | 1.2491% | 2,470 |
| Return on Equity (ROE) | 6.1494% | 3,956 |
| Retained earnings to average equity (ytd only) | 6.1494% | 2,405 |
| Net charge-offs to loans | 1.7417% | 103 |
| Credit loss provision to net charge-offs | 16.8142% | 2,386 |
| Earnings coverage of net charge-offs (x) | 2.4336% | 2,757 |
| Efficiency ratio | 70.3024% | 3,427 |
| Assets per employee ($millions) | 4.1480% | 3,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 3,643 |
| Loan loss allowance to noncurrent loans | 142.2222% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 4,914 |
| Noncurrent loans to loans | 0.8844% | 3,031 |
| Net loans and leases to total assets | 28.8381% | 6,112 |
| Net loans and leases to deposits | 35.1703% | 6,086 |
| Net loans and leases to core deposits | 38.6242% | 6,020 |
| Total domestic deposits to total assets | 81.9957% | 4,508 |
| Equity capital to assets | 16.1560% | 526 |
| Core capital (leverage) ratio | 15.7455% | 495 |
| Tier 1 risk-based capital ratio | 37.5484% | 294 |
| Total risk-based capital ratio | 37.5484% | 320 |
| Memoranda: | ||
| Average total assets | $86,462,000 | 4,890 |
| Average earning assets | $79,035,500 | 4,887 |
| Average equity | $13,790,000 | 4,109 |
| Average total loans | $25,952,000 | 5,680 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9199% | 4,055 |
| Cost of funding earning assets | 0.1484% | 6,112 |
| Net interest margin | 3.7715% | 2,726 |
| Noninterest income to average assets | 1.0521% | 1,100 |
| Noninterest expense to average assets | 3.1218% | 2,444 |
| Loan and lease loss provision to assets | 0.0897% | 2,676 |
| Net operating income to assets | 0.9905% | 2,430 |
| Return on assets (ROA) | 1.0091% | 2,419 |
| Pretax return on assets | 1.2984% | 2,246 |
| Return on Equity (ROE) | 6.4999% | 3,898 |
| Retained earnings to average equity (ytd only) | 2.8033% | 4,246 |
| Net charge-offs to loans | 0.2072% | 2,010 |
| Credit loss provision to net charge-offs | 136.3636% | 1,734 |
| Earnings coverage of net charge-offs (x) | 20.7455% | 1,714 |
| Efficiency ratio | 69.5896% | 3,608 |
| Assets per employee ($millions) | 4.0865% | 3,750 |
| Cash dividends to net income (ytd only)* | 56.8720% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5644% | 2,215 |
| Loan loss allowance to noncurrent loans | 115.0000% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 4,426 |
| Noncurrent loans to loans | 1.3603% | 2,161 |
| Net loans and leases to total assets | 30.3553% | 6,165 |
| Net loans and leases to deposits | 36.8568% | 6,143 |
| Net loans and leases to core deposits | 40.5492% | 6,082 |
| Total domestic deposits to total assets | 82.3601% | 4,288 |
| Equity capital to assets | 15.7393% | 571 |
| Core capital (leverage) ratio | 15.7683% | 495 |
| Tier 1 risk-based capital ratio | 35.5776% | 324 |
| Total risk-based capital ratio | 36.6948% | 323 |
| Memoranda: | ||
| Average total assets | $83,638,400 | 4,968 |
| Average earning assets | $76,149,200 | 4,983 |
| Average equity | $12,984,800 | 4,202 |
| Average total loans | $26,541,600 | 5,722 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9468% | 3,983 |
| Cost of funding earning assets | 0.1552% | 6,155 |
| Net interest margin | 3.7916% | 2,648 |
| Noninterest income to average assets | 1.0350% | 1,142 |
| Noninterest expense to average assets | 3.1578% | 2,299 |
| Loan and lease loss provision to assets | 0.0899% | 2,557 |
| Net operating income to assets | 0.9589% | 2,649 |
| Return on assets (ROA) | 0.9836% | 2,588 |
| Pretax return on assets | 1.2692% | 2,496 |
| Return on Equity (ROE) | 6.3583% | 4,050 |
| Retained earnings to average equity (ytd only) | 3.8689% | 3,899 |
| Net charge-offs to loans | 0.2008% | 1,860 |
| Credit loss provision to net charge-offs | 140.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 20.6758% | 1,716 |
| Efficiency ratio | 70.4114% | 3,438 |
| Assets per employee ($millions) | 4.1567% | 3,552 |
| Cash dividends to net income (ytd only)* | 39.1516% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 2,620 |
| Loan loss allowance to noncurrent loans | 110.5121% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.4463% | 4,568 |
| Noncurrent loans to loans | 1.3738% | 2,360 |
| Net loans and leases to total assets | 31.9909% | 6,183 |
| Net loans and leases to deposits | 39.0488% | 6,153 |
| Net loans and leases to core deposits | 43.1226% | 6,075 |
| Total domestic deposits to total assets | 81.9253% | 4,504 |
| Equity capital to assets | 16.0249% | 564 |
| Core capital (leverage) ratio | 16.2315% | 448 |
| Tier 1 risk-based capital ratio | 35.6981% | 336 |
| Total risk-based capital ratio | 36.8069% | 334 |
| Memoranda: | ||
| Average total assets | $83,093,750 | 5,039 |
| Average earning assets | $75,604,500 | 5,050 |
| Average equity | $12,854,250 | 4,248 |
| Average total loans | $26,561,000 | 5,780 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9494% | 3,930 |
| Cost of funding earning assets | 0.1695% | 6,141 |
| Net interest margin | 3.7799% | 2,636 |
| Noninterest income to average assets | 1.0327% | 1,115 |
| Noninterest expense to average assets | 3.1512% | 2,327 |
| Loan and lease loss provision to assets | 0.0915% | 2,499 |
| Net operating income to assets | 0.9604% | 2,508 |
| Return on assets (ROA) | 0.9942% | 2,415 |
| Pretax return on assets | 1.2686% | 2,375 |
| Return on Equity (ROE) | 6.5048% | 3,879 |
| Retained earnings to average equity (ytd only) | 2.7248% | 4,463 |
| Net charge-offs to loans | 0.1817% | 1,941 |
| Credit loss provision to net charge-offs | 158.3333% | 1,408 |
| Earnings coverage of net charge-offs (x) | 22.7917% | 1,494 |
| Efficiency ratio | 70.5280% | 3,567 |
| Assets per employee ($millions) | 4.1197% | 3,611 |
| Cash dividends to net income (ytd only)* | 58.1114% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5503% | 2,662 |
| Loan loss allowance to noncurrent loans | 144.6809% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.3423% | 5,011 |
| Noncurrent loans to loans | 1.0715% | 3,087 |
| Net loans and leases to total assets | 31.4468% | 6,261 |
| Net loans and leases to deposits | 38.2594% | 6,217 |
| Net loans and leases to core deposits | 41.6673% | 6,164 |
| Total domestic deposits to total assets | 82.1939% | 4,583 |
| Equity capital to assets | 15.8169% | 579 |
| Core capital (leverage) ratio | 15.7929% | 504 |
| Tier 1 risk-based capital ratio | 34.0564% | 372 |
| Total risk-based capital ratio | 35.1254% | 370 |
| Memoranda: | ||
| Average total assets | $83,080,670 | 5,076 |
| Average earning assets | $75,505,000 | 5,088 |
| Average equity | $12,698,330 | 4,285 |
| Average total loans | $26,413,000 | 5,825 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9030% | 4,077 |
| Cost of funding earning assets | 0.1796% | 6,165 |
| Net interest margin | 3.7235% | 2,773 |
| Noninterest income to average assets | 1.0596% | 996 |
| Noninterest expense to average assets | 3.1502% | 2,376 |
| Loan and lease loss provision to assets | 0.0911% | 2,400 |
| Net operating income to assets | 0.9254% | 2,523 |
| Return on assets (ROA) | 0.9254% | 2,597 |
| Pretax return on assets | 1.1987% | 2,489 |
| Return on Equity (ROE) | 6.1605% | 3,935 |
| Retained earnings to average equity (ytd only) | 6.1605% | 2,453 |
| Net charge-offs to loans | 0.1814% | 1,632 |
| Credit loss provision to net charge-offs | 158.3333% | 1,209 |
| Earnings coverage of net charge-offs (x) | 22.4167% | 1,254 |
| Efficiency ratio | 70.9503% | 3,659 |
| Assets per employee ($millions) | 3.9823% | 3,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5455% | 2,948 |
| Loan loss allowance to noncurrent loans | 98.5258% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 0.4867% | 4,680 |
| Noncurrent loans to loans | 1.5686% | 2,463 |
| Net loans and leases to total assets | 30.5456% | 6,328 |
| Net loans and leases to deposits | 36.9265% | 6,287 |
| Net loans and leases to core deposits | 40.0718% | 6,230 |
| Total domestic deposits to total assets | 82.7201% | 4,707 |
| Equity capital to assets | 15.3188% | 626 |
| Core capital (leverage) ratio | 15.4611% | 542 |
| Tier 1 risk-based capital ratio | 35.0869% | 349 |
| Total risk-based capital ratio | 36.1676% | 348 |
| Memoranda: | ||
| Average total assets | $83,424,500 | 5,122 |
| Average earning assets | $75,736,000 | 5,127 |
| Average equity | $12,531,500 | 4,339 |
| Average total loans | $26,460,500 | 5,874 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9038% | 4,448 |
| Cost of funding earning assets | 0.2217% | 6,168 |
| Net interest margin | 3.6821% | 3,128 |
| Noninterest income to average assets | 1.0119% | 1,369 |
| Noninterest expense to average assets | 3.2525% | 2,271 |
| Loan and lease loss provision to assets | 0.0924% | 3,261 |
| Net operating income to assets | 0.7941% | 3,318 |
| Return on assets (ROA) | 0.8800% | 2,968 |
| Pretax return on assets | 1.0895% | 2,986 |
| Return on Equity (ROE) | 5.5809% | 4,339 |
| Retained earnings to average equity (ytd only) | 1.8290% | 4,932 |
| Net charge-offs to loans | 0.5130% | 1,287 |
| Credit loss provision to net charge-offs | 55.5556% | 3,681 |
| Earnings coverage of net charge-offs (x) | 6.4667% | 3,056 |
| Efficiency ratio | 75.1424% | 2,927 |
| Assets per employee ($millions) | 3.9629% | 3,936 |
| Cash dividends to net income (ytd only)* | 67.2269% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4606% | 3,375 |
| Loan loss allowance to noncurrent loans | 130.0330% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.3641% | 5,165 |
| Noncurrent loans to loans | 1.1233% | 3,291 |
| Net loans and leases to total assets | 31.9406% | 6,384 |
| Net loans and leases to deposits | 38.3315% | 6,353 |
| Net loans and leases to core deposits | 43.1573% | 6,264 |
| Total domestic deposits to total assets | 83.3273% | 4,418 |
| Equity capital to assets | 14.7224% | 733 |
| Core capital (leverage) ratio | 15.6552% | 518 |
| Tier 1 risk-based capital ratio | 34.2364% | 358 |
| Total risk-based capital ratio | 35.2882% | 358 |
| Memoranda: | ||
| Average total assets | $81,136,600 | 5,212 |
| Average earning assets | $73,083,000 | 5,222 |
| Average equity | $12,793,600 | 4,302 |
| Average total loans | $26,317,000 | 5,922 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8940% | 4,528 |
| Cost of funding earning assets | 0.2242% | 6,269 |
| Net interest margin | 3.6698% | 3,153 |
| Noninterest income to average assets | 1.0535% | 1,315 |
| Noninterest expense to average assets | 3.3078% | 2,060 |
| Loan and lease loss provision to assets | 0.0926% | 3,225 |
| Net operating income to assets | 0.7864% | 3,415 |
| Return on assets (ROA) | 0.9030% | 2,932 |
| Pretax return on assets | 1.0982% | 3,120 |
| Return on Equity (ROE) | 5.6306% | 4,394 |
| Retained earnings to average equity (ytd only) | 3.1556% | 4,423 |
| Net charge-offs to loans | 0.6628% | 917 |
| Credit loss provision to net charge-offs | 43.0769% | 3,650 |
| Earnings coverage of net charge-offs (x) | 4.8769% | 3,335 |
| Efficiency ratio | 75.9301% | 2,744 |
| Assets per employee ($millions) | 3.9082% | 4,021 |
| Cash dividends to net income (ytd only)* | 43.9559% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 3,840 |
| Loan loss allowance to noncurrent loans | 120.6349% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.3838% | 5,254 |
| Noncurrent loans to loans | 1.1712% | 3,480 |
| Net loans and leases to total assets | 32.3082% | 6,441 |
| Net loans and leases to deposits | 39.0757% | 6,415 |
| Net loans and leases to core deposits | 43.9268% | 6,307 |
| Total domestic deposits to total assets | 82.6811% | 4,691 |
| Equity capital to assets | 15.2829% | 664 |
| Core capital (leverage) ratio | 16.1813% | 473 |
| Tier 1 risk-based capital ratio | 35.6606% | 322 |
| Total risk-based capital ratio | 36.7105% | 319 |
| Memoranda: | ||
| Average total assets | $80,615,750 | 5,276 |
| Average earning assets | $72,553,750 | 5,288 |
| Average equity | $12,929,000 | 4,322 |
| Average total loans | $26,152,500 | 5,988 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9065% | 4,450 |
| Cost of funding earning assets | 0.2252% | 6,341 |
| Net interest margin | 3.6813% | 3,030 |
| Noninterest income to average assets | 1.0308% | 1,435 |
| Noninterest expense to average assets | 3.3246% | 2,006 |
| Loan and lease loss provision to assets | 0.0948% | 3,207 |
| Net operating income to assets | 0.7628% | 3,503 |
| Return on assets (ROA) | 0.9410% | 2,756 |
| Pretax return on assets | 1.1307% | 2,970 |
| Return on Equity (ROE) | 5.7744% | 4,305 |
| Retained earnings to average equity (ytd only) | 2.0984% | 4,934 |
| Net charge-offs to loans | 0.0618% | 3,821 |
| Credit loss provision to net charge-offs | 475.0000% | 580 |
| Earnings coverage of net charge-offs (x) | 50.6250% | 797 |
| Efficiency ratio | 76.6839% | 2,685 |
| Assets per employee ($millions) | 3.9899% | 3,826 |
| Cash dividends to net income (ytd only)* | 63.6605% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8173% | 2,382 |
| Loan loss allowance to noncurrent loans | 109.2551% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.5552% | 4,868 |
| Noncurrent loans to loans | 1.6633% | 2,820 |
| Net loans and leases to total assets | 32.7694% | 6,472 |
| Net loans and leases to deposits | 39.8000% | 6,412 |
| Net loans and leases to core deposits | 44.2087% | 6,327 |
| Total domestic deposits to total assets | 82.3352% | 4,933 |
| Equity capital to assets | 15.6535% | 590 |
| Core capital (leverage) ratio | 16.1701% | 444 |
| Tier 1 risk-based capital ratio | 35.5661% | 322 |
| Total risk-based capital ratio | 36.8170% | 311 |
| Memoranda: | ||
| Average total assets | $80,130,330 | 5,310 |
| Average earning assets | $71,932,000 | 5,336 |
| Average equity | $13,057,670 | 4,338 |
| Average total loans | $25,904,670 | 6,028 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9097% | 4,435 |
| Cost of funding earning assets | 0.2283% | 6,424 |
| Net interest margin | 3.6814% | 2,942 |
| Noninterest income to average assets | 0.9315% | 1,653 |
| Noninterest expense to average assets | 3.1931% | 2,375 |
| Loan and lease loss provision to assets | 0.0897% | 3,167 |
| Net operating income to assets | 0.7323% | 3,524 |
| Return on assets (ROA) | 0.7323% | 3,664 |
| Pretax return on assets | 0.9415% | 3,609 |
| Return on Equity (ROE) | 4.4075% | 4,891 |
| Retained earnings to average equity (ytd only) | 4.4075% | 3,594 |
| Net charge-offs to loans | -0.1253% | 6,530 |
| Credit loss provision to net charge-offs | -225.0000% | 5,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5896% | 2,993 |
| Assets per employee ($millions) | 3.8608% | 4,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8933% | 2,322 |
| Loan loss allowance to noncurrent loans | 100.8403% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.5871% | 4,922 |
| Noncurrent loans to loans | 1.8776% | 2,761 |
| Net loans and leases to total assets | 30.6774% | 6,576 |
| Net loans and leases to deposits | 37.6204% | 6,517 |
| Net loans and leases to core deposits | 41.9490% | 6,404 |
| Total domestic deposits to total assets | 81.5445% | 5,343 |
| Equity capital to assets | 16.5228% | 488 |
| Core capital (leverage) ratio | 15.8192% | 478 |
| Tier 1 risk-based capital ratio | 30.0840% | 526 |
| Total risk-based capital ratio | 31.2167% | 523 |
| Memoranda: | ||
| Average total assets | $80,297,000 | 5,359 |
| Average earning assets | $71,820,500 | 5,388 |
| Average equity | $13,341,000 | 4,321 |
| Average total loans | $25,540,500 | 6,093 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4074% | 3,783 |
| Cost of funding earning assets | 0.2640% | 6,613 |
| Net interest margin | 4.1434% | 1,845 |
| Noninterest income to average assets | 0.9746% | 1,616 |
| Noninterest expense to average assets | 3.3165% | 2,286 |
| Loan and lease loss provision to assets | 0.0979% | 4,424 |
| Net operating income to assets | 1.0268% | 2,225 |
| Return on assets (ROA) | 1.1155% | 2,061 |
| Pretax return on assets | 1.3973% | 2,047 |
| Return on Equity (ROE) | 6.4986% | 3,916 |
| Retained earnings to average equity (ytd only) | 2.8503% | 4,233 |
| Net charge-offs to loans | 0.1296% | 4,386 |
| Credit loss provision to net charge-offs | 227.2727% | 1,091 |
| Earnings coverage of net charge-offs (x) | 32.1515% | 960 |
| Efficiency ratio | 70.5523% | 3,697 |
| Assets per employee ($millions) | 3.7866% | 4,394 |
| Cash dividends to net income (ytd only)* | 56.1404% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7645% | 2,713 |
| Loan loss allowance to noncurrent loans | 84.8598% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 0.6728% | 4,799 |
| Noncurrent loans to loans | 2.0794% | 2,605 |
| Net loans and leases to total assets | 31.7853% | 6,637 |
| Net loans and leases to deposits | 39.0758% | 6,594 |
| Net loans and leases to core deposits | 43.6785% | 6,481 |
| Total domestic deposits to total assets | 81.3426% | 5,293 |
| Equity capital to assets | 16.7082% | 450 |
| Core capital (leverage) ratio | 16.1933% | 428 |
| Tier 1 risk-based capital ratio | 27.6520% | 645 |
| Total risk-based capital ratio | 28.6482% | 648 |
| Memoranda: | ||
| Average total assets | $76,647,800 | 5,443 |
| Average earning assets | $68,929,200 | 5,467 |
| Average equity | $13,156,600 | 4,325 |
| Average total loans | $25,469,800 | 6,163 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4527% | 3,820 |
| Cost of funding earning assets | 0.2709% | 6,728 |
| Net interest margin | 4.1818% | 1,789 |
| Noninterest income to average assets | 1.0097% | 1,476 |
| Noninterest expense to average assets | 3.3240% | 2,207 |
| Loan and lease loss provision to assets | 0.2371% | 2,681 |
| Net operating income to assets | 1.0195% | 2,409 |
| Return on assets (ROA) | 1.1449% | 2,120 |
| Pretax return on assets | 1.3661% | 2,358 |
| Return on Equity (ROE) | 6.6237% | 4,001 |
| Retained earnings to average equity (ytd only) | 4.1855% | 3,952 |
| Net charge-offs to loans | 0.2519% | 3,211 |
| Credit loss provision to net charge-offs | 281.2500% | 962 |
| Earnings coverage of net charge-offs (x) | 17.2495% | 1,635 |
| Efficiency ratio | 69.5700% | 3,776 |
| Assets per employee ($millions) | 3.5118% | 4,956 |
| Cash dividends to net income (ytd only)* | 36.8097% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9139% | 2,428 |
| Loan loss allowance to noncurrent loans | 82.6159% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 0.7818% | 4,752 |
| Noncurrent loans to loans | 2.3166% | 2,485 |
| Net loans and leases to total assets | 33.1012% | 6,699 |
| Net loans and leases to deposits | 41.0498% | 6,641 |
| Net loans and leases to core deposits | 46.0884% | 6,512 |
| Total domestic deposits to total assets | 80.6368% | 5,473 |
| Equity capital to assets | 17.3880% | 414 |
| Core capital (leverage) ratio | 16.6542% | 411 |
| Tier 1 risk-based capital ratio | 27.9655% | 661 |
| Total risk-based capital ratio | 29.0678% | 660 |
| Memoranda: | ||
| Average total assets | $75,930,250 | 5,520 |
| Average earning assets | $68,421,500 | 5,542 |
| Average equity | $13,124,250 | 4,374 |
| Average total loans | $25,405,000 | 6,253 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4229% | 4,094 |
| Cost of funding earning assets | 0.2761% | 6,812 |
| Net interest margin | 4.1468% | 1,919 |
| Noninterest income to average assets | 1.0200% | 1,403 |
| Noninterest expense to average assets | 3.3224% | 2,247 |
| Loan and lease loss provision to assets | 0.2385% | 2,685 |
| Net operating income to assets | 1.0128% | 2,410 |
| Return on assets (ROA) | 1.1976% | 1,925 |
| Pretax return on assets | 1.4201% | 2,131 |
| Return on Equity (ROE) | 6.9426% | 3,809 |
| Retained earnings to average equity (ytd only) | 3.2563% | 4,447 |
| Net charge-offs to loans | 0.5083% | 2,057 |
| Credit loss provision to net charge-offs | 140.6250% | 1,962 |
| Earnings coverage of net charge-offs (x) | 8.4844% | 2,288 |
| Efficiency ratio | 69.7830% | 3,803 |
| Assets per employee ($millions) | 3.4617% | 5,064 |
| Cash dividends to net income (ytd only)* | 53.0973% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7136% | 3,167 |
| Loan loss allowance to noncurrent loans | 76.3066% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 0.7537% | 4,910 |
| Noncurrent loans to loans | 2.2457% | 2,676 |
| Net loans and leases to total assets | 32.9867% | 6,772 |
| Net loans and leases to deposits | 40.8362% | 6,703 |
| Net loans and leases to core deposits | 45.8983% | 6,578 |
| Total domestic deposits to total assets | 80.7781% | 5,537 |
| Equity capital to assets | 17.2497% | 417 |
| Core capital (leverage) ratio | 16.4702% | 415 |
| Tier 1 risk-based capital ratio | 28.0416% | 642 |
| Total risk-based capital ratio | 29.0273% | 644 |
| Memoranda: | ||
| Average total assets | $75,487,000 | 5,563 |
| Average earning assets | $68,100,330 | 5,585 |
| Average equity | $13,021,000 | 4,392 |
| Average total loans | $25,182,330 | 6,307 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4032% | 4,318 |
| Cost of funding earning assets | 0.2833% | 6,895 |
| Net interest margin | 4.1199% | 2,028 |
| Noninterest income to average assets | 1.0432% | 1,328 |
| Noninterest expense to average assets | 3.4011% | 2,004 |
| Loan and lease loss provision to assets | 0.2395% | 2,552 |
| Net operating income to assets | 0.9538% | 2,668 |
| Return on assets (ROA) | 1.3200% | 1,569 |
| Pretax return on assets | 1.5435% | 1,761 |
| Return on Equity (ROE) | 7.6525% | 3,429 |
| Retained earnings to average equity (ytd only) | 7.6525% | 2,107 |
| Net charge-offs to loans | 0.3201% | 2,367 |
| Credit loss provision to net charge-offs | 225.0000% | 1,233 |
| Earnings coverage of net charge-offs (x) | 12.7500% | 1,577 |
| Efficiency ratio | 71.4765% | 3,537 |
| Assets per employee ($millions) | 3.4531% | 5,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 3,161 |
| Loan loss allowance to noncurrent loans | 61.4627% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 0.9359% | 4,639 |
| Noncurrent loans to loans | 2.8483% | 2,267 |
| Net loans and leases to total assets | 32.2833% | 6,817 |
| Net loans and leases to deposits | 39.8593% | 6,742 |
| Net loans and leases to core deposits | 44.5698% | 6,636 |
| Total domestic deposits to total assets | 80.9933% | 5,612 |
| Equity capital to assets | 17.1085% | 411 |
| Core capital (leverage) ratio | 16.7498% | 381 |
| Tier 1 risk-based capital ratio | 28.8132% | 579 |
| Total risk-based capital ratio | 29.8208% | 590 |
| Memoranda: | ||
| Average total assets | $75,151,500 | 5,613 |
| Average earning assets | $67,768,500 | 5,632 |
| Average equity | $12,963,000 | 4,412 |
| Average total loans | $24,993,500 | 6,374 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8995% | 3,361 |
| Cost of funding earning assets | 0.3524% | 7,007 |
| Net interest margin | 4.5471% | 1,031 |
| Noninterest income to average assets | 1.1170% | 1,061 |
| Noninterest expense to average assets | 3.5403% | 1,888 |
| Loan and lease loss provision to assets | 0.3895% | 2,656 |
| Net operating income to assets | 1.0213% | 2,126 |
| Return on assets (ROA) | 1.1894% | 1,650 |
| Pretax return on assets | 1.4899% | 1,505 |
| Return on Equity (ROE) | 6.8150% | 3,485 |
| Retained earnings to average equity (ytd only) | 2.9890% | 4,103 |
| Net charge-offs to loans | 1.0279% | 1,693 |
| Credit loss provision to net charge-offs | 106.4639% | 3,189 |
| Earnings coverage of net charge-offs (x) | 4.5627% | 3,065 |
| Efficiency ratio | 67.9573% | 4,369 |
| Assets per employee ($millions) | 3.5398% | 4,918 |
| Cash dividends to net income (ytd only)* | 56.1404% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6464% | 3,391 |
| Loan loss allowance to noncurrent loans | 62.6140% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 0.8852% | 4,849 |
| Noncurrent loans to loans | 2.6294% | 2,477 |
| Net loans and leases to total assets | 33.1109% | 6,904 |
| Net loans and leases to deposits | 41.1892% | 6,824 |
| Net loans and leases to core deposits | 46.6518% | 6,708 |
| Total domestic deposits to total assets | 80.3874% | 5,629 |
| Equity capital to assets | 17.3929% | 399 |
| Core capital (leverage) ratio | 16.6737% | 395 |
| Tier 1 risk-based capital ratio | 28.3040% | 603 |
| Total risk-based capital ratio | 29.2561% | 614 |
| Memoranda: | ||
| Average total assets | $71,885,800 | 5,696 |
| Average earning assets | $64,700,400 | 5,713 |
| Average equity | $12,545,800 | 4,432 |
| Average total loans | $25,586,000 | 6,385 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0284% | 2,945 |
| Cost of funding earning assets | 0.3666% | 7,092 |
| Net interest margin | 4.6618% | 828 |
| Noninterest income to average assets | 1.2047% | 907 |
| Noninterest expense to average assets | 3.6067% | 1,695 |
| Loan and lease loss provision to assets | 0.4490% | 2,225 |
| Net operating income to assets | 1.0311% | 2,212 |
| Return on assets (ROA) | 1.1262% | 2,014 |
| Pretax return on assets | 1.4591% | 1,761 |
| Return on Equity (ROE) | 6.4470% | 3,797 |
| Retained earnings to average equity (ytd only) | 3.8767% | 3,964 |
| Net charge-offs to loans | 1.2076% | 1,295 |
| Credit loss provision to net charge-offs | 103.0043% | 3,232 |
| Earnings coverage of net charge-offs (x) | 4.0944% | 3,183 |
| Efficiency ratio | 66.8980% | 4,542 |
| Assets per employee ($millions) | 3.4562% | 5,107 |
| Cash dividends to net income (ytd only)* | 39.8667% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5920% | 3,706 |
| Loan loss allowance to noncurrent loans | 55.8333% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 1.2882% | 4,233 |
| Noncurrent loans to loans | 2.8514% | 2,443 |
| Net loans and leases to total assets | 34.2367% | 6,940 |
| Net loans and leases to deposits | 42.7694% | 6,884 |
| Net loans and leases to core deposits | 48.6196% | 6,732 |
| Total domestic deposits to total assets | 80.0496% | 5,718 |
| Equity capital to assets | 17.9498% | 395 |
| Core capital (leverage) ratio | 17.1105% | 389 |
| Tier 1 risk-based capital ratio | 28.2459% | 636 |
| Total risk-based capital ratio | 29.1740% | 649 |
| Memoranda: | ||
| Average total assets | $71,273,500 | 5,752 |
| Average earning assets | $64,007,750 | 5,774 |
| Average equity | $12,450,000 | 4,461 |
| Average total loans | $25,726,250 | 6,437 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0254% | 3,038 |
| Cost of funding earning assets | 0.3858% | 7,161 |
| Net interest margin | 4.6395% | 841 |
| Noninterest income to average assets | 1.2903% | 757 |
| Noninterest expense to average assets | 3.6223% | 1,697 |
| Loan and lease loss provision to assets | 0.3388% | 2,753 |
| Net operating income to assets | 1.1896% | 1,607 |
| Return on assets (ROA) | 1.2677% | 1,466 |
| Pretax return on assets | 1.6037% | 1,253 |
| Return on Equity (ROE) | 7.3262% | 3,277 |
| Retained earnings to average equity (ytd only) | 3.4102% | 4,087 |
| Net charge-offs to loans | 0.1314% | 4,426 |
| Credit loss provision to net charge-offs | 705.8824% | 453 |
| Earnings coverage of net charge-offs (x) | 38.4118% | 764 |
| Efficiency ratio | 66.2707% | 4,824 |
| Assets per employee ($millions) | 3.3666% | 5,292 |
| Cash dividends to net income (ytd only)* | 53.4521% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9066% | 2,646 |
| Loan loss allowance to noncurrent loans | 42.4191% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 1.6606% | 3,692 |
| Noncurrent loans to loans | 4.4946% | 1,478 |
| Net loans and leases to total assets | 36.2410% | 6,948 |
| Net loans and leases to deposits | 45.2078% | 6,869 |
| Net loans and leases to core deposits | 50.9779% | 6,713 |
| Total domestic deposits to total assets | 80.1652% | 5,782 |
| Equity capital to assets | 17.8135% | 399 |
| Core capital (leverage) ratio | 17.1276% | 394 |
| Tier 1 risk-based capital ratio | 27.4410% | 701 |
| Total risk-based capital ratio | 28.5721% | 698 |
| Memoranda: | ||
| Average total assets | $70,838,000 | 5,801 |
| Average earning assets | $63,756,670 | 5,835 |
| Average equity | $12,257,330 | 4,492 |
| Average total loans | $25,884,670 | 6,489 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0734% | 2,758 |
| Cost of funding earning assets | 0.4071% | 7,211 |
| Net interest margin | 4.6663% | 756 |
| Noninterest income to average assets | 1.2636% | 796 |
| Noninterest expense to average assets | 3.8134% | 1,313 |
| Loan and lease loss provision to assets | 0.3385% | 2,531 |
| Net operating income to assets | 0.9816% | 2,242 |
| Return on assets (ROA) | 0.9816% | 2,300 |
| Pretax return on assets | 1.3144% | 1,996 |
| Return on Equity (ROE) | 5.7573% | 4,042 |
| Retained earnings to average equity (ytd only) | 5.7573% | 2,775 |
| Net charge-offs to loans | 0.1708% | 3,460 |
| Credit loss provision to net charge-offs | 545.4545% | 669 |
| Earnings coverage of net charge-offs (x) | 26.6364% | 919 |
| Efficiency ratio | 69.7626% | 4,324 |
| Assets per employee ($millions) | 3.3976% | 5,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7404% | 3,212 |
| Loan loss allowance to noncurrent loans | 45.3988% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 1.3707% | 4,234 |
| Noncurrent loans to loans | 3.8336% | 1,917 |
| Net loans and leases to total assets | 35.1329% | 7,047 |
| Net loans and leases to deposits | 43.3790% | 6,968 |
| Net loans and leases to core deposits | 49.0289% | 6,833 |
| Total domestic deposits to total assets | 80.9906% | 5,657 |
| Equity capital to assets | 17.1047% | 433 |
| Core capital (leverage) ratio | 16.9140% | 400 |
| Tier 1 risk-based capital ratio | 27.0282% | 704 |
| Total risk-based capital ratio | 28.0243% | 707 |
| Memoranda: | ||
| Average total assets | $70,907,500 | 5,850 |
| Average earning assets | $63,862,500 | 5,865 |
| Average equity | $12,089,000 | 4,526 |
| Average total loans | $25,767,000 | 6,541 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5982% | 1,893 |
| Cost of funding earning assets | 0.6584% | 6,989 |
| Net interest margin | 4.9397% | 498 |
| Noninterest income to average assets | 1.3164% | 851 |
| Noninterest expense to average assets | 3.7122% | 1,674 |
| Loan and lease loss provision to assets | 0.4626% | 3,353 |
| Net operating income to assets | 1.2491% | 1,296 |
| Return on assets (ROA) | 1.3178% | 1,200 |
| Pretax return on assets | 1.6668% | 1,006 |
| Return on Equity (ROE) | 7.7753% | 2,788 |
| Retained earnings to average equity (ytd only) | 3.8049% | 3,198 |
| Net charge-offs to loans | 1.0982% | 2,031 |
| Credit loss provision to net charge-offs | 112.6280% | 3,875 |
| Earnings coverage of net charge-offs (x) | 4.9727% | 2,754 |
| Efficiency ratio | 64.5067% | 5,262 |
| Assets per employee ($millions) | 3.0637% | 5,964 |
| Cash dividends to net income (ytd only)* | 51.0638% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5179% | 3,908 |
| Loan loss allowance to noncurrent loans | 38.3495% | 5,743 |
| Noncurrent assets plus other real estate owned to assets | 1.4617% | 4,133 |
| Noncurrent loans to loans | 3.9580% | 1,842 |
| Net loans and leases to total assets | 36.3693% | 7,142 |
| Net loans and leases to deposits | 44.9669% | 7,085 |
| Net loans and leases to core deposits | 50.9058% | 6,950 |
| Total domestic deposits to total assets | 80.8801% | 5,558 |
| Equity capital to assets | 16.9926% | 459 |
| Core capital (leverage) ratio | 16.7035% | 420 |
| Tier 1 risk-based capital ratio | 26.0202% | 754 |
| Total risk-based capital ratio | 26.8858% | 768 |
| Memoranda: | ||
| Average total assets | $71,332,200 | 5,847 |
| Average earning assets | $64,092,400 | 5,855 |
| Average equity | $12,089,600 | 4,578 |
| Average total loans | $26,679,600 | 6,577 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7176% | 1,655 |
| Cost of funding earning assets | 0.7098% | 7,038 |
| Net interest margin | 5.0078% | 437 |
| Noninterest income to average assets | 1.2988% | 817 |
| Noninterest expense to average assets | 3.6860% | 1,595 |
| Loan and lease loss provision to assets | 0.5870% | 2,587 |
| Net operating income to assets | 1.1097% | 1,854 |
| Return on assets (ROA) | 1.1423% | 1,867 |
| Pretax return on assets | 1.5672% | 1,426 |
| Return on Equity (ROE) | 6.7443% | 3,460 |
| Retained earnings to average equity (ytd only) | 4.1038% | 3,588 |
| Net charge-offs to loans | 0.6854% | 2,710 |
| Credit loss provision to net charge-offs | 228.2609% | 1,504 |
| Earnings coverage of net charge-offs (x) | 8.2027% | 2,193 |
| Efficiency ratio | 63.6013% | 5,321 |
| Assets per employee ($millions) | 3.0987% | 5,924 |
| Cash dividends to net income (ytd only)* | 39.1516% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0189% | 2,173 |
| Loan loss allowance to noncurrent loans | 54.0950% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 1.3877% | 4,380 |
| Noncurrent loans to loans | 3.7322% | 2,079 |
| Net loans and leases to total assets | 36.4305% | 7,246 |
| Net loans and leases to deposits | 45.2982% | 7,192 |
| Net loans and leases to core deposits | 51.2333% | 7,071 |
| Total domestic deposits to total assets | 80.4237% | 5,569 |
| Equity capital to assets | 17.5277% | 457 |
| Core capital (leverage) ratio | 16.6488% | 474 |
| Tier 1 risk-based capital ratio | 26.5415% | 738 |
| Total risk-based capital ratio | 27.7463% | 717 |
| Memoranda: | ||
| Average total assets | $71,548,750 | 5,901 |
| Average earning assets | $64,245,000 | 5,914 |
| Average equity | $12,118,500 | 4,643 |
| Average total loans | $26,843,750 | 6,653 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8013% | 1,426 |
| Cost of funding earning assets | 0.7563% | 7,049 |
| Net interest margin | 5.0450% | 383 |
| Noninterest income to average assets | 1.3512% | 687 |
| Noninterest expense to average assets | 3.6794% | 1,599 |
| Loan and lease loss provision to assets | 0.8375% | 1,734 |
| Net operating income to assets | 0.9503% | 2,366 |
| Return on assets (ROA) | 0.9855% | 2,332 |
| Pretax return on assets | 1.4098% | 1,814 |
| Return on Equity (ROE) | 5.8863% | 3,857 |
| Retained earnings to average equity (ytd only) | 1.8843% | 4,926 |
| Net charge-offs to loans | 0.7641% | 2,328 |
| Credit loss provision to net charge-offs | 291.2621% | 1,274 |
| Earnings coverage of net charge-offs (x) | 7.6408% | 2,266 |
| Efficiency ratio | 62.6128% | 5,590 |
| Assets per employee ($millions) | 3.0600% | 6,013 |
| Cash dividends to net income (ytd only)* | 67.9887% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1104% | 1,948 |
| Loan loss allowance to noncurrent loans | 47.1939% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 1.6709% | 3,930 |
| Noncurrent loans to loans | 4.4718% | 1,630 |
| Net loans and leases to total assets | 36.5766% | 7,334 |
| Net loans and leases to deposits | 45.2068% | 7,283 |
| Net loans and leases to core deposits | 52.0913% | 7,132 |
| Total domestic deposits to total assets | 80.9096% | 5,433 |
| Equity capital to assets | 17.2319% | 497 |
| Core capital (leverage) ratio | 16.1887% | 543 |
| Tier 1 risk-based capital ratio | 26.1645% | 757 |
| Total risk-based capital ratio | 27.4153% | 747 |
| Memoranda: | ||
| Average total assets | $71,641,670 | 5,929 |
| Average earning assets | $64,262,000 | 5,954 |
| Average equity | $11,994,000 | 4,680 |
| Average total loans | $26,958,670 | 6,694 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8283% | 1,379 |
| Cost of funding earning assets | 0.7824% | 7,144 |
| Net interest margin | 5.0459% | 379 |
| Noninterest income to average assets | 1.4390% | 582 |
| Noninterest expense to average assets | 3.7691% | 1,370 |
| Loan and lease loss provision to assets | 0.8302% | 1,524 |
| Net operating income to assets | 0.9776% | 2,270 |
| Return on assets (ROA) | 1.0405% | 2,092 |
| Pretax return on assets | 1.4611% | 1,614 |
| Return on Equity (ROE) | 6.3050% | 3,722 |
| Retained earnings to average equity (ytd only) | 6.3050% | 2,467 |
| Net charge-offs to loans | 1.4072% | 1,225 |
| Credit loss provision to net charge-offs | 156.2500% | 2,287 |
| Earnings coverage of net charge-offs (x) | 4.1458% | 2,693 |
| Efficiency ratio | 63.1140% | 5,642 |
| Assets per employee ($millions) | 3.1626% | 5,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5149% | 3,832 |
| Loan loss allowance to noncurrent loans | 47.3563% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 1.1960% | 4,783 |
| Noncurrent loans to loans | 3.1990% | 2,496 |
| Net loans and leases to total assets | 36.8216% | 7,397 |
| Net loans and leases to deposits | 45.1152% | 7,362 |
| Net loans and leases to core deposits | 51.9009% | 7,208 |
| Total domestic deposits to total assets | 81.6167% | 5,226 |
| Equity capital to assets | 16.6098% | 581 |
| Core capital (leverage) ratio | 16.0168% | 579 |
| Tier 1 risk-based capital ratio | 25.5946% | 803 |
| Total risk-based capital ratio | 26.5036% | 817 |
| Memoranda: | ||
| Average total assets | $72,272,000 | 5,990 |
| Average earning assets | $64,924,500 | 6,001 |
| Average equity | $11,927,000 | 4,734 |
| Average total loans | $27,289,000 | 6,758 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1466% | 1,379 |
| Cost of funding earning assets | 1.0469% | 7,111 |
| Net interest margin | 5.0997% | 361 |
| Noninterest income to average assets | 1.5628% | 585 |
| Noninterest expense to average assets | 3.8279% | 1,642 |
| Loan and lease loss provision to assets | 0.4398% | 4,192 |
| Net operating income to assets | 1.3700% | 898 |
| Return on assets (ROA) | 1.4910% | 739 |
| Pretax return on assets | 1.9982% | 402 |
| Return on Equity (ROE) | 8.7615% | 2,099 |
| Retained earnings to average equity (ytd only) | 4.6952% | 1,980 |
| Net charge-offs to loans | 1.1202% | 2,190 |
| Credit loss provision to net charge-offs | 96.4630% | 5,758 |
| Earnings coverage of net charge-offs (x) | 4.9936% | 2,724 |
| Efficiency ratio | 62.7041% | 6,020 |
| Assets per employee ($millions) | 3.1219% | 5,938 |
| Cash dividends to net income (ytd only)* | 46.4110% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 4,707 |
| Loan loss allowance to noncurrent loans | 34.2584% | 6,148 |
| Noncurrent assets plus other real estate owned to assets | 1.4554% | 4,230 |
| Noncurrent loans to loans | 3.8164% | 1,957 |
| Net loans and leases to total assets | 37.6358% | 7,459 |
| Net loans and leases to deposits | 46.0893% | 7,437 |
| Net loans and leases to core deposits | 65.5556% | 7,003 |
| Total domestic deposits to total assets | 81.6584% | 5,078 |
| Equity capital to assets | 16.3946% | 642 |
| Core capital (leverage) ratio | 16.0290% | 613 |
| Tier 1 risk-based capital ratio | 25.4068% | 806 |
| Total risk-based capital ratio | 26.2038% | 826 |
| Memoranda: | ||
| Average total assets | $68,210,200 | 6,066 |
| Average earning assets | $60,748,800 | 6,100 |
| Average equity | $11,607,600 | 4,837 |
| Average total loans | $27,763,800 | 6,754 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3018% | 1,135 |
| Cost of funding earning assets | 1.0952% | 7,183 |
| Net interest margin | 5.2067% | 296 |
| Noninterest income to average assets | 1.6302% | 554 |
| Noninterest expense to average assets | 3.8645% | 1,483 |
| Loan and lease loss provision to assets | 0.4457% | 3,675 |
| Net operating income to assets | 1.5628% | 715 |
| Return on assets (ROA) | 1.7371% | 553 |
| Pretax return on assets | 2.1709% | 376 |
| Return on Equity (ROE) | 10.1094% | 1,877 |
| Retained earnings to average equity (ytd only) | 7.4351% | 1,333 |
| Net charge-offs to loans | 0.8279% | 2,309 |
| Credit loss provision to net charge-offs | 130.0578% | 3,852 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,495 |
| Efficiency ratio | 61.7015% | 6,164 |
| Assets per employee ($millions) | 2.9067% | 6,389 |
| Cash dividends to net income (ytd only)* | 26.4543% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5160% | 3,341 |
| Loan loss allowance to noncurrent loans | 88.4454% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.6823% | 5,780 |
| Noncurrent loans to loans | 1.7141% | 4,068 |
| Net loans and leases to total assets | 39.2044% | 7,493 |
| Net loans and leases to deposits | 48.3685% | 7,481 |
| Net loans and leases to core deposits | 69.5797% | 6,984 |
| Total domestic deposits to total assets | 81.0536% | 5,064 |
| Equity capital to assets | 17.1402% | 613 |
| Core capital (leverage) ratio | 17.0049% | 556 |
| Tier 1 risk-based capital ratio | 25.5002% | 858 |
| Total risk-based capital ratio | 26.4361% | 856 |
| Memoranda: | ||
| Average total assets | $67,311,750 | 6,134 |
| Average earning assets | $59,896,250 | 6,174 |
| Average equity | $11,566,500 | 4,906 |
| Average total loans | $27,859,250 | 6,802 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4574% | 904 |
| Cost of funding earning assets | 1.1524% | 7,236 |
| Net interest margin | 5.3050% | 242 |
| Noninterest income to average assets | 1.6362% | 551 |
| Noninterest expense to average assets | 3.9461% | 1,405 |
| Loan and lease loss provision to assets | 0.4512% | 3,279 |
| Net operating income to assets | 1.5499% | 755 |
| Return on assets (ROA) | 1.6693% | 656 |
| Pretax return on assets | 2.0663% | 469 |
| Return on Equity (ROE) | 9.7059% | 2,129 |
| Retained earnings to average equity (ytd only) | 5.6487% | 2,182 |
| Net charge-offs to loans | 0.8892% | 1,919 |
| Credit loss provision to net charge-offs | 120.9677% | 3,834 |
| Earnings coverage of net charge-offs (x) | 6.3548% | 2,639 |
| Efficiency ratio | 62.4762% | 6,172 |
| Assets per employee ($millions) | 3.1002% | 5,867 |
| Cash dividends to net income (ytd only)* | 41.8018% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 3,598 |
| Loan loss allowance to noncurrent loans | 113.8329% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.5088% | 6,165 |
| Noncurrent loans to loans | 1.2521% | 4,703 |
| Net loans and leases to total assets | 40.0542% | 7,552 |
| Net loans and leases to deposits | 49.1632% | 7,516 |
| Net loans and leases to core deposits | 70.9382% | 6,973 |
| Total domestic deposits to total assets | 81.4720% | 4,905 |
| Equity capital to assets | 16.7011% | 711 |
| Core capital (leverage) ratio | 16.2586% | 709 |
| Tier 1 risk-based capital ratio | 24.5173% | 981 |
| Total risk-based capital ratio | 25.3859% | 1,002 |
| Memoranda: | ||
| Average total assets | $66,495,670 | 6,208 |
| Average earning assets | $58,661,330 | 6,281 |
| Average equity | $11,436,330 | 4,965 |
| Average total loans | $27,889,000 | 6,851 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4398% | 973 |
| Cost of funding earning assets | 1.1709% | 7,365 |
| Net interest margin | 5.2689% | 245 |
| Noninterest income to average assets | 1.4747% | 646 |
| Noninterest expense to average assets | 3.8208% | 1,432 |
| Loan and lease loss provision to assets | 0.4570% | 2,640 |
| Net operating income to assets | 1.4564% | 1,027 |
| Return on assets (ROA) | 1.4564% | 1,103 |
| Pretax return on assets | 1.8586% | 879 |
| Return on Equity (ROE) | 8.3428% | 2,989 |
| Retained earnings to average equity (ytd only) | 8.3428% | 1,685 |
| Net charge-offs to loans | 0.6434% | 1,892 |
| Credit loss provision to net charge-offs | 166.6667% | 2,553 |
| Earnings coverage of net charge-offs (x) | 8.4444% | 2,188 |
| Efficiency ratio | 62.2642% | 6,007 |
| Assets per employee ($millions) | 2.9582% | 6,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4574% | 3,188 |
| Loan loss allowance to noncurrent loans | 129.5455% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.4527% | 6,132 |
| Noncurrent loans to loans | 1.1250% | 4,734 |
| Net loans and leases to total assets | 39.6508% | 7,585 |
| Net loans and leases to deposits | 48.8820% | 7,538 |
| Net loans and leases to core deposits | 70.2387% | 7,004 |
| Total domestic deposits to total assets | 81.1152% | 4,918 |
| Equity capital to assets | 17.0329% | 721 |
| Core capital (leverage) ratio | 16.9779% | 655 |
| Tier 1 risk-based capital ratio | 25.9175% | 899 |
| Total risk-based capital ratio | 26.8520% | 900 |
| Memoranda: | ||
| Average total assets | $65,641,000 | 6,268 |
| Average earning assets | $58,076,500 | 6,335 |
| Average equity | $11,459,000 | 4,988 |
| Average total loans | $27,976,500 | 6,885 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5349% | 2,786 |
| Cost of funding earning assets | 1.7581% | 7,116 |
| Net interest margin | 4.7768% | 815 |
| Noninterest income to average assets | 1.5914% | 552 |
| Noninterest expense to average assets | 3.7403% | 1,876 |
| Loan and lease loss provision to assets | 0.6637% | 2,185 |
| Net operating income to assets | 1.1394% | 1,988 |
| Return on assets (ROA) | 1.1946% | 1,720 |
| Pretax return on assets | 1.5339% | 1,584 |
| Return on Equity (ROE) | 7.3541% | 3,343 |
| Retained earnings to average equity (ytd only) | 3.1596% | 3,188 |
| Net charge-offs to loans | 1.1064% | 1,098 |
| Credit loss provision to net charge-offs | 134.7305% | 3,952 |
| Earnings coverage of net charge-offs (x) | 4.3174% | 4,027 |
| Efficiency ratio | 63.7506% | 5,616 |
| Assets per employee ($millions) | 2.5297% | 7,154 |
| Cash dividends to net income (ytd only)* | 57.0370% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 3,846 |
| Loan loss allowance to noncurrent loans | 90.4412% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 0.6451% | 5,284 |
| Noncurrent loans to loans | 1.4278% | 3,662 |
| Net loans and leases to total assets | 44.6010% | 7,430 |
| Net loans and leases to deposits | 56.0697% | 7,316 |
| Net loans and leases to core deposits | 75.5653% | 6,885 |
| Total domestic deposits to total assets | 79.5456% | 5,184 |
| Equity capital to assets | 17.9134% | 658 |
| Core capital (leverage) ratio | 16.8001% | 724 |
| Tier 1 risk-based capital ratio | 25.8389% | 918 |
| Total risk-based capital ratio | 26.7195% | 928 |
| Memoranda: | ||
| Average total assets | $67,802,400 | 6,094 |
| Average earning assets | $60,689,200 | 6,147 |
| Average equity | $11,014,200 | 5,117 |
| Average total loans | $30,187,600 | 6,696 |