Home > The Mer Rouge State Bank > Performance and Condition Ratios
The Mer Rouge State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3091% | 1,480 |
| Cost of funding earning assets | 0.6296% | 4,033 |
| Net interest margin | 4.6794% | 486 |
| Noninterest income to average assets | 1.0700% | 571 |
| Noninterest expense to average assets | 3.3892% | 665 |
| Loan and lease loss provision to assets | 0.2800% | 387 |
| Net operating income to assets | 1.3456% | 1,332 |
| Return on assets (ROA) | 1.3456% | 1,306 |
| Pretax return on assets | 1.7461% | 971 |
| Return on Equity (ROE) | 17.6100% | 874 |
| Retained earnings to average equity (ytd only) | 12.2659% | 611 |
| Net charge-offs to loans | 0.5386% | 189 |
| Credit loss provision to net charge-offs | 132.1101% | 1,578 |
| Earnings coverage of net charge-offs (x) | 9.5596% | 2,284 |
| Efficiency ratio | 62.5853% | 2,773 |
| Assets per employee ($millions) | 4.8159% | 3,763 |
| Cash dividends to net income (ytd only)* | 30.3468% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8215% | 3,912 |
| Loan loss allowance to noncurrent loans | 754.5455% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.3247% | 1,645 |
| Noncurrent loans to loans | 0.1089% | 2,989 |
| Net loans and leases to total assets | 37.8300% | 4,101 |
| Net loans and leases to deposits | 41.3425% | 4,167 |
| Net loans and leases to core deposits | 43.5923% | 4,212 |
| Total domestic deposits to total assets | 91.5100% | 388 |
| Equity capital to assets | 8.2454% | 3,245 |
| Core capital (leverage) ratio | 10.9861% | 1,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $51,427,800 | 4,307 |
| Average earning assets | $47,804,800 | 4,276 |
| Average equity | $3,929,600 | 4,360 |
| Average total loans | $20,236,400 | 4,286 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2965% | 1,297 |
| Cost of funding earning assets | 0.5347% | 4,084 |
| Net interest margin | 4.7618% | 429 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 3.2313% | 783 |
| Loan and lease loss provision to assets | 0.2800% | 342 |
| Net operating income to assets | 0.8176% | 2,971 |
| Return on assets (ROA) | 0.8176% | 2,959 |
| Pretax return on assets | 1.1389% | 2,463 |
| Return on Equity (ROE) | 10.9200% | 2,395 |
| Retained earnings to average equity (ytd only) | 10.9247% | 1,170 |
| Net charge-offs to loans | 0.7113% | 128 |
| Credit loss provision to net charge-offs | 100.9259% | 1,610 |
| Earnings coverage of net charge-offs (x) | 5.0463% | 2,363 |
| Efficiency ratio | 69.4164% | 1,853 |
| Assets per employee ($millions) | 4.6076% | 3,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6012% | 4,264 |
| Loan loss allowance to noncurrent loans | 545.8333% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.3512% | 1,625 |
| Noncurrent loans to loans | 0.1102% | 3,026 |
| Net loans and leases to total assets | 42.7300% | 3,961 |
| Net loans and leases to deposits | 46.3936% | 4,041 |
| Net loans and leases to core deposits | 49.0011% | 4,064 |
| Total domestic deposits to total assets | 92.1000% | 434 |
| Equity capital to assets | 7.3356% | 3,449 |
| Core capital (leverage) ratio | 11.6334% | 1,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $51,041,000 | 4,327 |
| Average earning assets | $47,124,250 | 4,298 |
| Average equity | $3,820,000 | 4,382 |
| Average total loans | $20,243,500 | 4,303 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2838% | 1,100 |
| Cost of funding earning assets | 0.4029% | 4,164 |
| Net interest margin | 4.8809% | 357 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 3.2017% | 788 |
| Loan and lease loss provision to assets | 0.4300% | 186 |
| Net operating income to assets | 0.8600% | 2,889 |
| Return on assets (ROA) | 0.8600% | 2,889 |
| Pretax return on assets | 1.1767% | 2,427 |
| Return on Equity (ROE) | 11.4200% | 2,319 |
| Retained earnings to average equity (ytd only) | 11.4167% | 1,098 |
| Net charge-offs to loans | 1.1050% | 80 |
| Credit loss provision to net charge-offs | 100.0000% | 1,438 |
| Earnings coverage of net charge-offs (x) | 3.7615% | 2,249 |
| Efficiency ratio | 66.6395% | 2,162 |
| Assets per employee ($millions) | 4.3393% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5725% | 4,327 |
| Loan loss allowance to noncurrent loans | 528.0000% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.7312% | 702 |
| Noncurrent loans to loans | 0.1084% | 2,936 |
| Net loans and leases to total assets | 48.0300% | 3,685 |
| Net loans and leases to deposits | 52.5560% | 3,814 |
| Net loans and leases to core deposits | 54.0033% | 3,891 |
| Total domestic deposits to total assets | 91.3900% | 529 |
| Equity capital to assets | 8.2230% | 3,072 |
| Core capital (leverage) ratio | 11.6328% | 1,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $51,160,000 | 4,348 |
| Average earning assets | $47,655,333 | 4,314 |
| Average equity | $3,854,000 | 4,404 |
| Average total loans | $19,728,667 | 4,331 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4461% | 669 |
| Cost of funding earning assets | 0.2976% | 4,205 |
| Net interest margin | 5.1485% | 235 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 3.1017% | 932 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3844% | 1,449 |
| Return on assets (ROA) | 1.3844% | 1,421 |
| Pretax return on assets | 1.9745% | 816 |
| Return on Equity (ROE) | 19.1700% | 856 |
| Retained earnings to average equity (ytd only) | 19.1698% | 421 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.1028% | 2,809 |
| Assets per employee ($millions) | 4.6826% | 3,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6794% | 4,270 |
| Loan loss allowance to noncurrent loans | 40.8669% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 0.6271% | 805 |
| Noncurrent loans to loans | 1.6625% | 379 |
| Net loans and leases to total assets | 37.4600% | 4,138 |
| Net loans and leases to deposits | 40.7011% | 4,204 |
| Net loans and leases to core deposits | 41.4932% | 4,230 |
| Total domestic deposits to total assets | 92.0400% | 502 |
| Equity capital to assets | 7.7229% | 3,431 |
| Core capital (leverage) ratio | 10.5082% | 2,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $52,874,000 | 4,385 |
| Average earning assets | $49,723,500 | 4,354 |
| Average equity | $3,818,500 | 4,471 |
| Average total loans | $18,064,000 | 4,423 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7574% | 2,388 |
| Cost of funding earning assets | 0.1166% | 4,305 |
| Net interest margin | 3.6408% | 1,518 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.8136% | 1,290 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.6238% | 3,821 |
| Return on assets (ROA) | 0.6238% | 3,773 |
| Pretax return on assets | 0.7946% | 3,636 |
| Return on Equity (ROE) | 8.0900% | 3,368 |
| Retained earnings to average equity (ytd only) | 5.1028% | 3,003 |
| Net charge-offs to loans | 0.0404% | 1,296 |
| Credit loss provision to net charge-offs | 414.2857% | 759 |
| Earnings coverage of net charge-offs (x) | 63.2857% | 1,216 |
| Efficiency ratio | 76.7941% | 936 |
| Assets per employee ($millions) | 4.9308% | 3,727 |
| Cash dividends to net income (ytd only)* | 36.9231% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7904% | 4,056 |
| Loan loss allowance to noncurrent loans | 471.4286% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.0516% | 3,285 |
| Noncurrent loans to loans | 0.1677% | 2,643 |
| Net loans and leases to total assets | 30.5500% | 4,379 |
| Net loans and leases to deposits | 32.7709% | 4,416 |
| Net loans and leases to core deposits | 33.3662% | 4,430 |
| Total domestic deposits to total assets | 93.2100% | 362 |
| Equity capital to assets | 6.7461% | 3,791 |
| Core capital (leverage) ratio | 9.6489% | 2,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $52,103,800 | 4,421 |
| Average earning assets | $48,890,200 | 4,384 |
| Average equity | $4,017,400 | 4,533 |
| Average total loans | $17,318,600 | 4,448 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4478% | 2,784 |
| Cost of funding earning assets | 0.1105% | 4,194 |
| Net interest margin | 3.3373% | 2,176 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.7948% | 1,258 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.4990% | 4,074 |
| Return on assets (ROA) | 0.4990% | 4,022 |
| Pretax return on assets | 0.5119% | 4,133 |
| Return on Equity (ROE) | 6.2700% | 3,740 |
| Retained earnings to average equity (ytd only) | 6.2656% | 2,643 |
| Net charge-offs to loans | 0.0534% | 951 |
| Credit loss provision to net charge-offs | 414.2857% | 690 |
| Earnings coverage of net charge-offs (x) | 32.4286% | 1,488 |
| Efficiency ratio | 82.6453% | 623 |
| Assets per employee ($millions) | 4.8597% | 3,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6608% | 4,315 |
| Loan loss allowance to noncurrent loans | 440.0000% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 3,331 |
| Noncurrent loans to loans | 0.1502% | 2,858 |
| Net loans and leases to total assets | 37.1200% | 4,180 |
| Net loans and leases to deposits | 39.6622% | 4,248 |
| Net loans and leases to core deposits | 40.3904% | 4,269 |
| Total domestic deposits to total assets | 93.5900% | 440 |
| Equity capital to assets | 6.2293% | 3,870 |
| Core capital (leverage) ratio | 10.2393% | 2,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $51,570,000 | 4,457 |
| Average earning assets | $48,261,000 | 4,425 |
| Average equity | $4,107,000 | 4,567 |
| Average total loans | $17,473,250 | 4,480 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1884% | 3,080 |
| Cost of funding earning assets | 0.1131% | 4,041 |
| Net interest margin | 3.0752% | 2,622 |
| Noninterest income to average assets | 0.2670% | 3,571 |
| Noninterest expense to average assets | 2.7483% | 1,275 |
| Loan and lease loss provision to assets | 0.0393% | 1,880 |
| Net operating income to assets | 0.3573% | 4,194 |
| Return on assets (ROA) | 0.3573% | 4,148 |
| Pretax return on assets | 0.3612% | 4,212 |
| Return on Equity (ROE) | 4.1686% | 3,992 |
| Retained earnings to average equity (ytd only) | 4.1686% | 3,022 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2818% | 523 |
| Assets per employee ($millions) | 5.1537% | 3,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6397% | 4,420 |
| Loan loss allowance to noncurrent loans | 368.7500% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 3,359 |
| Noncurrent loans to loans | 0.1735% | 2,824 |
| Net loans and leases to total assets | 35.5628% | 4,265 |
| Net loans and leases to deposits | 38.4759% | 4,316 |
| Net loans and leases to core deposits | 38.7206% | 4,361 |
| Total domestic deposits to total assets | 92.4287% | 681 |
| Equity capital to assets | 7.4451% | 3,506 |
| Core capital (leverage) ratio | 10.4682% | 1,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,941,000 | 4,503 |
| Average earning assets | $47,736,000 | 4,483 |
| Average equity | $4,366,000 | 4,584 |
| Average total loans | $16,639,333 | 4,553 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3806% | 2,145 |
| Cost of funding earning assets | 0.1171% | 3,926 |
| Net interest margin | 3.2634% | 1,670 |
| Noninterest income to average assets | 0.2527% | 3,629 |
| Noninterest expense to average assets | 2.7487% | 1,260 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5845% | 3,445 |
| Return on assets (ROA) | 0.5845% | 3,429 |
| Pretax return on assets | 0.5845% | 3,679 |
| Return on Equity (ROE) | 6.3924% | 3,221 |
| Retained earnings to average equity (ytd only) | 6.3924% | 2,111 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4645% | 951 |
| Assets per employee ($millions) | 4.8867% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6987% | 4,385 |
| Loan loss allowance to noncurrent loans | 330.3030% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 3,388 |
| Noncurrent loans to loans | 0.2115% | 2,764 |
| Net loans and leases to total assets | 31.7024% | 4,395 |
| Net loans and leases to deposits | 34.7463% | 4,432 |
| Net loans and leases to core deposits | 35.1923% | 4,452 |
| Total domestic deposits to total assets | 91.2395% | 916 |
| Equity capital to assets | 8.6909% | 2,984 |
| Core capital (leverage) ratio | 10.2845% | 2,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,643,000 | 4,529 |
| Average earning assets | $47,802,500 | 4,504 |
| Average equity | $4,630,500 | 4,601 |
| Average total loans | $15,736,000 | 4,585 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9181% | 4,023 |
| Cost of funding earning assets | 0.1619% | 3,849 |
| Net interest margin | 2.7562% | 3,766 |
| Noninterest income to average assets | 0.2350% | 3,972 |
| Noninterest expense to average assets | 2.7833% | 1,398 |
| Loan and lease loss provision to assets | -0.0563% | 4,385 |
| Net operating income to assets | 0.1360% | 4,593 |
| Return on assets (ROA) | 0.1360% | 4,605 |
| Pretax return on assets | 0.0874% | 4,647 |
| Return on Equity (ROE) | 1.3830% | 4,566 |
| Retained earnings to average equity (ytd only) | 1.3830% | 4,150 |
| Net charge-offs to loans | -0.0149% | 3,873 |
| Credit loss provision to net charge-offs | 966.6667% | 547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8958% | 160 |
| Assets per employee ($millions) | 5.2419% | 3,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6868% | 4,445 |
| Loan loss allowance to noncurrent loans | 302.7778% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 3,483 |
| Noncurrent loans to loans | 0.2268% | 2,820 |
| Net loans and leases to total assets | 30.0692% | 4,501 |
| Net loans and leases to deposits | 33.2532% | 4,550 |
| Net loans and leases to core deposits | 33.4657% | 4,573 |
| Total domestic deposits to total assets | 90.4252% | 751 |
| Equity capital to assets | 9.5652% | 3,081 |
| Core capital (leverage) ratio | 9.3386% | 3,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,485,800 | 4,549 |
| Average earning assets | $48,181,800 | 4,528 |
| Average equity | $5,061,400 | 4,627 |
| Average total loans | $20,178,200 | 4,565 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0509% | 3,907 |
| Cost of funding earning assets | 0.1731% | 3,891 |
| Net interest margin | 2.8778% | 3,602 |
| Noninterest income to average assets | 0.2341% | 3,994 |
| Noninterest expense to average assets | 2.8174% | 1,301 |
| Loan and lease loss provision to assets | 0.0059% | 2,856 |
| Net operating income to assets | 0.0780% | 4,709 |
| Return on assets (ROA) | 0.0780% | 4,724 |
| Pretax return on assets | 0.0937% | 4,718 |
| Return on Equity (ROE) | 0.7884% | 4,706 |
| Retained earnings to average equity (ytd only) | 0.7884% | 4,452 |
| Net charge-offs to loans | -0.0125% | 3,769 |
| Credit loss provision to net charge-offs | -100.0000% | 3,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6102% | 188 |
| Assets per employee ($millions) | 5.2078% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6130% | 4,620 |
| Loan loss allowance to noncurrent loans | 323.2558% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 3,546 |
| Noncurrent loans to loans | 0.1896% | 3,190 |
| Net loans and leases to total assets | 43.2755% | 4,002 |
| Net loans and leases to deposits | 48.0328% | 4,117 |
| Net loans and leases to core deposits | 49.5145% | 4,169 |
| Total domestic deposits to total assets | 90.0956% | 734 |
| Equity capital to assets | 9.6836% | 3,207 |
| Core capital (leverage) ratio | 9.8433% | 2,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,252,500 | 4,613 |
| Average earning assets | $47,766,250 | 4,597 |
| Average equity | $5,073,250 | 4,694 |
| Average total loans | $21,255,000 | 4,609 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1095% | 3,847 |
| Cost of funding earning assets | 0.1904% | 3,848 |
| Net interest margin | 2.9191% | 3,534 |
| Noninterest income to average assets | 0.2511% | 3,898 |
| Noninterest expense to average assets | 2.8091% | 1,332 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1334% | 4,682 |
| Return on assets (ROA) | 0.1334% | 4,703 |
| Pretax return on assets | 0.1491% | 4,701 |
| Return on Equity (ROE) | 1.3377% | 4,663 |
| Retained earnings to average equity (ytd only) | 1.3377% | 4,268 |
| Net charge-offs to loans | -0.0192% | 3,980 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9602% | 237 |
| Assets per employee ($millions) | 5.2235% | 3,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6169% | 4,635 |
| Loan loss allowance to noncurrent loans | 270.5882% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.0976% | 3,560 |
| Noncurrent loans to loans | 0.2280% | 3,147 |
| Net loans and leases to total assets | 42.5596% | 4,141 |
| Net loans and leases to deposits | 47.2076% | 4,260 |
| Net loans and leases to core deposits | 48.6572% | 4,294 |
| Total domestic deposits to total assets | 90.1541% | 698 |
| Equity capital to assets | 9.6946% | 3,151 |
| Core capital (leverage) ratio | 10.1279% | 2,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,977,333 | 4,645 |
| Average earning assets | $47,274,333 | 4,630 |
| Average equity | $5,083,333 | 4,718 |
| Average total loans | $20,781,333 | 4,651 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3613% | 3,304 |
| Cost of funding earning assets | 0.2241% | 3,688 |
| Net interest margin | 3.1372% | 2,884 |
| Noninterest income to average assets | 0.2781% | 3,738 |
| Noninterest expense to average assets | 2.8760% | 1,207 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2463% | 4,598 |
| Return on assets (ROA) | 0.2463% | 4,619 |
| Pretax return on assets | 0.2940% | 4,608 |
| Return on Equity (ROE) | 2.4347% | 4,558 |
| Retained earnings to average equity (ytd only) | 2.4347% | 3,924 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7268% | 350 |
| Assets per employee ($millions) | 4.9016% | 3,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7022% | 4,569 |
| Loan loss allowance to noncurrent loans | 261.5385% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.5366% | 1,766 |
| Noncurrent loans to loans | 0.2685% | 3,147 |
| Net loans and leases to total assets | 39.2362% | 4,376 |
| Net loans and leases to deposits | 43.8216% | 4,427 |
| Net loans and leases to core deposits | 45.2677% | 4,463 |
| Total domestic deposits to total assets | 89.5361% | 1,053 |
| Equity capital to assets | 10.3701% | 2,379 |
| Core capital (leverage) ratio | 10.3909% | 2,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,348,500 | 4,668 |
| Average earning assets | $46,410,500 | 4,655 |
| Average equity | $5,093,000 | 4,739 |
| Average total loans | $19,987,500 | 4,694 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8422% | 3,182 |
| Cost of funding earning assets | 0.4930% | 2,993 |
| Net interest margin | 3.3492% | 2,928 |
| Noninterest income to average assets | -0.4356% | 4,995 |
| Noninterest expense to average assets | 3.0880% | 1,258 |
| Loan and lease loss provision to assets | -0.2178% | 4,984 |
| Net operating income to assets | -0.0998% | 4,783 |
| Return on assets (ROA) | -0.0998% | 4,807 |
| Pretax return on assets | -0.2541% | 4,834 |
| Return on Equity (ROE) | -0.8614% | 4,812 |
| Retained earnings to average equity (ytd only) | -0.8614% | 4,623 |
| Net charge-offs to loans | -0.0487% | 4,659 |
| Credit loss provision to net charge-offs | 872.7273% | 849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.0399% | 82 |
| Assets per employee ($millions) | 5.1681% | 3,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6600% | 4,654 |
| Loan loss allowance to noncurrent loans | 4,533.3333% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.4141% | 2,340 |
| Noncurrent loans to loans | 0.0146% | 4,310 |
| Net loans and leases to total assets | 39.6103% | 4,453 |
| Net loans and leases to deposits | 43.9603% | 4,529 |
| Net loans and leases to core deposits | 45.0249% | 4,571 |
| Total domestic deposits to total assets | 90.1047% | 526 |
| Equity capital to assets | 9.8740% | 3,243 |
| Core capital (leverage) ratio | 10.2283% | 2,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,073,600 | 4,717 |
| Average earning assets | $40,159,000 | 4,713 |
| Average equity | $5,108,200 | 4,739 |
| Average total loans | $22,566,600 | 4,666 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1812% | 2,444 |
| Cost of funding earning assets | 0.5617% | 2,858 |
| Net interest margin | 3.6195% | 2,205 |
| Noninterest income to average assets | -0.4584% | 5,024 |
| Noninterest expense to average assets | 3.2754% | 943 |
| Loan and lease loss provision to assets | -0.3035% | 5,021 |
| Net operating income to assets | -0.0885% | 4,808 |
| Return on assets (ROA) | -0.0885% | 4,822 |
| Pretax return on assets | -0.1296% | 4,822 |
| Return on Equity (ROE) | -0.7306% | 4,824 |
| Retained earnings to average equity (ytd only) | -0.7306% | 4,584 |
| Net charge-offs to loans | -0.0520% | 4,689 |
| Credit loss provision to net charge-offs | 1,066.6667% | 795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.2392% | 94 |
| Assets per employee ($millions) | 4.4841% | 3,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5103% | 4,801 |
| Loan loss allowance to noncurrent loans | 4,500.0000% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.6423% | 1,810 |
| Noncurrent loans to loans | 0.0113% | 4,398 |
| Net loans and leases to total assets | 58.6985% | 3,352 |
| Net loans and leases to deposits | 66.5277% | 3,570 |
| Net loans and leases to core deposits | 68.4302% | 3,737 |
| Total domestic deposits to total assets | 88.2318% | 1,099 |
| Equity capital to assets | 11.3958% | 2,085 |
| Core capital (leverage) ratio | 11.4694% | 1,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $42,171,750 | 4,766 |
| Average earning assets | $38,457,000 | 4,759 |
| Average equity | $5,109,500 | 4,762 |
| Average total loans | $23,056,500 | 4,690 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3992% | 2,214 |
| Cost of funding earning assets | 0.6330% | 2,796 |
| Net interest margin | 3.7662% | 1,934 |
| Noninterest income to average assets | -0.6928% | 5,054 |
| Noninterest expense to average assets | 3.2944% | 1,010 |
| Loan and lease loss provision to assets | -0.5281% | 5,058 |
| Net operating income to assets | -0.0678% | 4,817 |
| Return on assets (ROA) | -0.0678% | 4,823 |
| Pretax return on assets | -0.0291% | 4,801 |
| Return on Equity (ROE) | -0.5480% | 4,825 |
| Retained earnings to average equity (ytd only) | -0.5480% | 4,410 |
| Net charge-offs to loans | -0.0639% | 4,743 |
| Credit loss provision to net charge-offs | 1,557.1429% | 587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.3540% | 89 |
| Assets per employee ($millions) | 4.3637% | 3,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4924% | 4,842 |
| Loan loss allowance to noncurrent loans | 3,000.0000% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.7471% | 1,654 |
| Noncurrent loans to loans | 0.0164% | 4,438 |
| Net loans and leases to total assets | 55.5698% | 3,725 |
| Net loans and leases to deposits | 63.2275% | 3,943 |
| Net loans and leases to core deposits | 63.2275% | 4,115 |
| Total domestic deposits to total assets | 87.8887% | 1,238 |
| Equity capital to assets | 11.7767% | 1,792 |
| Core capital (leverage) ratio | 11.7624% | 1,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,282,000 | 4,798 |
| Average earning assets | $37,598,000 | 4,795 |
| Average equity | $5,109,333 | 4,789 |
| Average total loans | $21,923,333 | 4,733 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6790% | 1,779 |
| Cost of funding earning assets | 0.7063% | 2,905 |
| Net interest margin | 3.9727% | 1,464 |
| Noninterest income to average assets | 0.2989% | 3,726 |
| Noninterest expense to average assets | 3.3474% | 1,146 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3686% | 4,198 |
| Return on assets (ROA) | 0.3686% | 4,236 |
| Pretax return on assets | 0.5380% | 4,060 |
| Return on Equity (ROE) | 2.8794% | 4,247 |
| Retained earnings to average equity (ytd only) | 2.8794% | 3,130 |
| Net charge-offs to loans | -0.6758% | 5,040 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1538% | 693 |
| Assets per employee ($millions) | 4.0392% | 3,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 2,494 |
| Loan loss allowance to noncurrent loans | 584.0909% | 846 |
| Noncurrent assets plus other real estate owned to assets | 1.4013% | 800 |
| Noncurrent loans to loans | 0.2111% | 3,717 |
| Net loans and leases to total assets | 50.9581% | 4,185 |
| Net loans and leases to deposits | 58.6678% | 4,265 |
| Net loans and leases to core deposits | 58.6678% | 4,411 |
| Total domestic deposits to total assets | 86.8588% | 1,620 |
| Equity capital to assets | 12.7822% | 1,558 |
| Core capital (leverage) ratio | 12.7191% | 1,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3721% | 936 |
| Memoranda: | ||
| Average total assets | $40,150,000 | 4,851 |
| Average earning assets | $36,247,000 | 4,848 |
| Average equity | $5,140,000 | 4,819 |
| Average total loans | $20,715,000 | 4,793 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5170% | 547 |
| Cost of funding earning assets | 0.7067% | 3,131 |
| Net interest margin | 4.8104% | 388 |
| Noninterest income to average assets | 0.2843% | 3,982 |
| Noninterest expense to average assets | 3.3554% | 1,196 |
| Loan and lease loss provision to assets | 0.3919% | 370 |
| Net operating income to assets | 0.6258% | 4,085 |
| Return on assets (ROA) | 0.6480% | 4,091 |
| Pretax return on assets | 0.9067% | 3,723 |
| Return on Equity (ROE) | 4.8862% | 4,239 |
| Retained earnings to average equity (ytd only) | 1.4099% | 4,239 |
| Net charge-offs to loans | -0.0123% | 4,526 |
| Credit loss provision to net charge-offs | -5,100.0000% | 4,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5360% | 1,790 |
| Assets per employee ($millions) | 3.9908% | 3,906 |
| Cash dividends to net income (ytd only)* | 71.1462% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 3,072 |
| Loan loss allowance to noncurrent loans | 569.2308% | 880 |
| Noncurrent assets plus other real estate owned to assets | 1.4057% | 747 |
| Noncurrent loans to loans | 0.1894% | 3,773 |
| Net loans and leases to total assets | 51.0374% | 4,280 |
| Net loans and leases to deposits | 58.6974% | 4,346 |
| Net loans and leases to core deposits | 58.6974% | 4,494 |
| Total domestic deposits to total assets | 86.9500% | 1,637 |
| Equity capital to assets | 12.8220% | 1,626 |
| Core capital (leverage) ratio | 12.5292% | 1,474 |
| Tier 1 risk-based capital ratio | 17.3222% | 1,957 |
| Total risk-based capital ratio | 18.0781% | 2,051 |
| Memoranda: | ||
| Average total assets | $39,041,200 | 4,909 |
| Average earning assets | $35,236,400 | 4,912 |
| Average equity | $5,177,800 | 4,861 |
| Average total loans | $24,352,600 | 4,772 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6897% | 421 |
| Cost of funding earning assets | 0.6803% | 3,307 |
| Net interest margin | 5.0094% | 286 |
| Noninterest income to average assets | 0.2816% | 4,061 |
| Noninterest expense to average assets | 3.3689% | 1,142 |
| Loan and lease loss provision to assets | 0.3778% | 345 |
| Net operating income to assets | 0.7978% | 3,683 |
| Return on assets (ROA) | 0.8276% | 3,667 |
| Pretax return on assets | 1.0989% | 3,298 |
| Return on Equity (ROE) | 6.1878% | 3,987 |
| Retained earnings to average equity (ytd only) | 6.1878% | 2,286 |
| Net charge-offs to loans | 0.0053% | 3,204 |
| Credit loss provision to net charge-offs | 11,000.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 420.0376% | 238 |
| Efficiency ratio | 70.0714% | 2,104 |
| Assets per employee ($millions) | 3.9246% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6540% | 4,723 |
| Loan loss allowance to noncurrent loans | 175.7576% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 1.5823% | 664 |
| Noncurrent loans to loans | 0.3721% | 3,226 |
| Net loans and leases to total assets | 67.3444% | 2,883 |
| Net loans and leases to deposits | 78.2601% | 3,069 |
| Net loans and leases to core deposits | 78.2601% | 3,530 |
| Total domestic deposits to total assets | 86.0521% | 1,975 |
| Equity capital to assets | 13.4944% | 1,368 |
| Core capital (leverage) ratio | 13.5482% | 1,115 |
| Tier 1 risk-based capital ratio | 16.5476% | 2,251 |
| Total risk-based capital ratio | 17.0951% | 2,431 |
| Memoranda: | ||
| Average total assets | $38,824,500 | 4,988 |
| Average earning assets | $35,080,000 | 4,987 |
| Average equity | $5,193,000 | 4,926 |
| Average total loans | $25,293,250 | 4,812 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7347% | 370 |
| Cost of funding earning assets | 0.6353% | 3,486 |
| Net interest margin | 5.0994% | 237 |
| Noninterest income to average assets | 0.2895% | 4,005 |
| Noninterest expense to average assets | 3.4485% | 1,030 |
| Loan and lease loss provision to assets | 0.3929% | 311 |
| Net operating income to assets | 0.7135% | 3,960 |
| Return on assets (ROA) | 0.7135% | 4,017 |
| Pretax return on assets | 1.0547% | 3,370 |
| Return on Equity (ROE) | 5.3502% | 4,248 |
| Retained earnings to average equity (ytd only) | 5.3502% | 2,596 |
| Net charge-offs to loans | 0.0080% | 2,858 |
| Credit loss provision to net charge-offs | 7,600.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 280.0000% | 282 |
| Efficiency ratio | 70.4329% | 2,163 |
| Assets per employee ($millions) | 3.8313% | 4,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5507% | 4,952 |
| Loan loss allowance to noncurrent loans | 225.8065% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 1.5243% | 733 |
| Noncurrent loans to loans | 0.2439% | 3,662 |
| Net loans and leases to total assets | 65.9933% | 3,108 |
| Net loans and leases to deposits | 76.7741% | 3,265 |
| Net loans and leases to core deposits | 76.7741% | 3,665 |
| Total domestic deposits to total assets | 85.9578% | 2,057 |
| Equity capital to assets | 13.6768% | 1,248 |
| Core capital (leverage) ratio | 13.1949% | 1,213 |
| Tier 1 risk-based capital ratio | 17.5416% | 1,929 |
| Total risk-based capital ratio | 18.0152% | 2,098 |
| Memoranda: | ||
| Average total assets | $38,684,000 | 5,029 |
| Average earning assets | $34,945,330 | 5,028 |
| Average equity | $5,158,670 | 4,964 |
| Average total loans | $24,856,330 | 4,860 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7976% | 312 |
| Cost of funding earning assets | 0.5467% | 3,838 |
| Net interest margin | 5.2509% | 183 |
| Noninterest income to average assets | 0.2984% | 3,886 |
| Noninterest expense to average assets | 3.3960% | 1,116 |
| Loan and lease loss provision to assets | 0.3190% | 390 |
| Net operating income to assets | 0.9776% | 2,933 |
| Return on assets (ROA) | 0.9776% | 2,975 |
| Pretax return on assets | 1.3275% | 2,343 |
| Return on Equity (ROE) | 7.4248% | 3,488 |
| Retained earnings to average equity (ytd only) | 7.4248% | 1,877 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3469% | 2,734 |
| Assets per employee ($millions) | 3.8008% | 4,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3989% | 5,176 |
| Loan loss allowance to noncurrent loans | 47.3171% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 1.4550% | 837 |
| Noncurrent loans to loans | 0.8431% | 1,952 |
| Net loans and leases to total assets | 63.7182% | 3,323 |
| Net loans and leases to deposits | 74.0295% | 3,450 |
| Net loans and leases to core deposits | 74.0295% | 3,795 |
| Total domestic deposits to total assets | 86.0714% | 2,250 |
| Equity capital to assets | 13.6208% | 1,167 |
| Core capital (leverage) ratio | 13.1857% | 1,191 |
| Tier 1 risk-based capital ratio | 17.8891% | 1,820 |
| Total risk-based capital ratio | 18.2264% | 2,065 |
| Memoranda: | ||
| Average total assets | $38,869,500 | 5,079 |
| Average earning assets | $35,118,000 | 5,076 |
| Average equity | $5,118,000 | 5,012 |
| Average total loans | $24,572,500 | 4,920 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8771% | 1,348 |
| Cost of funding earning assets | 0.3641% | 4,195 |
| Net interest margin | 4.5130% | 740 |
| Noninterest income to average assets | 0.2722% | 4,282 |
| Noninterest expense to average assets | 3.1131% | 1,764 |
| Loan and lease loss provision to assets | 1.1192% | 69 |
| Net operating income to assets | 0.2949% | 5,015 |
| Return on assets (ROA) | 0.2949% | 5,010 |
| Pretax return on assets | 0.1638% | 5,139 |
| Return on Equity (ROE) | 2.3282% | 5,002 |
| Retained earnings to average equity (ytd only) | -0.0597% | 4,991 |
| Net charge-offs to loans | 2.4065% | 43 |
| Credit loss provision to net charge-offs | 77.8947% | 2,896 |
| Earnings coverage of net charge-offs (x) | 0.8930% | 3,670 |
| Efficiency ratio | 70.8142% | 2,069 |
| Assets per employee ($millions) | 3.9731% | 3,929 |
| Cash dividends to net income (ytd only)* | 102.5641% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2618% | 5,305 |
| Loan loss allowance to noncurrent loans | 12.2873% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 1.3591% | 916 |
| Noncurrent loans to loans | 2.1305% | 618 |
| Net loans and leases to total assets | 62.3317% | 3,532 |
| Net loans and leases to deposits | 71.5049% | 3,710 |
| Net loans and leases to core deposits | 71.5049% | 4,028 |
| Total domestic deposits to total assets | 87.1712% | 1,697 |
| Equity capital to assets | 12.7331% | 1,469 |
| Core capital (leverage) ratio | 12.4155% | 1,502 |
| Tier 1 risk-based capital ratio | 17.3997% | 1,921 |
| Total risk-based capital ratio | 17.6237% | 2,217 |
| Memoranda: | ||
| Average total assets | $39,671,600 | 5,103 |
| Average earning assets | $36,251,000 | 5,097 |
| Average equity | $5,025,400 | 5,045 |
| Average total loans | $23,685,400 | 4,977 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7439% | 1,565 |
| Cost of funding earning assets | 0.3454% | 4,214 |
| Net interest margin | 4.3985% | 901 |
| Noninterest income to average assets | 0.2891% | 4,223 |
| Noninterest expense to average assets | 3.1368% | 1,673 |
| Loan and lease loss provision to assets | 1.4928% | 48 |
| Net operating income to assets | -0.2152% | 5,345 |
| Return on assets (ROA) | -0.2152% | 5,345 |
| Pretax return on assets | -0.3160% | 5,361 |
| Return on Equity (ROE) | -1.7008% | 5,345 |
| Retained earnings to average equity (ytd only) | -1.7008% | 5,175 |
| Net charge-offs to loans | 3.2479% | 28 |
| Credit loss provision to net charge-offs | 77.8947% | 2,544 |
| Earnings coverage of net charge-offs (x) | 0.6140% | 3,399 |
| Efficiency ratio | 72.7202% | 1,775 |
| Assets per employee ($millions) | 3.8883% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2394% | 5,385 |
| Loan loss allowance to noncurrent loans | 12.4046% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 1.3759% | 975 |
| Noncurrent loans to loans | 1.9300% | 781 |
| Net loans and leases to total assets | 69.6577% | 2,699 |
| Net loans and leases to deposits | 80.1948% | 3,019 |
| Net loans and leases to core deposits | 80.1948% | 3,477 |
| Total domestic deposits to total assets | 86.8606% | 1,789 |
| Equity capital to assets | 12.8128% | 1,414 |
| Core capital (leverage) ratio | 12.9764% | 1,287 |
| Tier 1 risk-based capital ratio | 15.7893% | 2,531 |
| Total risk-based capital ratio | 15.9951% | 2,917 |
| Memoranda: | ||
| Average total assets | $39,656,750 | 5,168 |
| Average earning assets | $36,284,250 | 5,159 |
| Average equity | $5,017,000 | 5,106 |
| Average total loans | $23,399,250 | 5,049 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7884% | 1,281 |
| Cost of funding earning assets | 0.3323% | 4,185 |
| Net interest margin | 4.4561% | 759 |
| Noninterest income to average assets | 0.2647% | 4,419 |
| Noninterest expense to average assets | 3.1359% | 1,703 |
| Loan and lease loss provision to assets | 0.1498% | 1,261 |
| Net operating income to assets | 0.9388% | 3,282 |
| Return on assets (ROA) | 0.9388% | 3,287 |
| Pretax return on assets | 1.0636% | 3,462 |
| Return on Equity (ROE) | 7.2774% | 3,804 |
| Retained earnings to average equity (ytd only) | 7.2774% | 1,937 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1010% | 1,990 |
| Assets per employee ($millions) | 3.8625% | 4,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 4,251 |
| Loan loss allowance to noncurrent loans | 143.5065% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 2,686 |
| Noncurrent loans to loans | 0.6410% | 2,509 |
| Net loans and leases to total assets | 61.6259% | 3,646 |
| Net loans and leases to deposits | 71.5514% | 3,746 |
| Net loans and leases to core deposits | 71.5514% | 4,040 |
| Total domestic deposits to total assets | 86.1282% | 2,220 |
| Equity capital to assets | 13.5819% | 1,070 |
| Core capital (leverage) ratio | 13.1263% | 1,178 |
| Tier 1 risk-based capital ratio | 19.0062% | 1,548 |
| Total risk-based capital ratio | 19.8078% | 1,625 |
| Memoranda: | ||
| Average total assets | $40,052,670 | 5,221 |
| Average earning assets | $36,714,000 | 5,215 |
| Average equity | $5,166,670 | 5,138 |
| Average total loans | $22,149,000 | 5,146 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7279% | 1,240 |
| Cost of funding earning assets | 0.3109% | 4,257 |
| Net interest margin | 4.4170% | 742 |
| Noninterest income to average assets | 0.2944% | 4,193 |
| Noninterest expense to average assets | 3.2478% | 1,457 |
| Loan and lease loss provision to assets | 0.1472% | 1,246 |
| Net operating income to assets | 0.9027% | 3,274 |
| Return on assets (ROA) | 0.9027% | 3,280 |
| Pretax return on assets | 0.9419% | 3,725 |
| Return on Equity (ROE) | 7.1777% | 3,711 |
| Retained earnings to average equity (ytd only) | 7.1777% | 2,195 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8869% | 1,762 |
| Assets per employee ($millions) | 4.0972% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 4,151 |
| Loan loss allowance to noncurrent loans | 101.9802% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.4930% | 2,886 |
| Noncurrent loans to loans | 0.9444% | 1,934 |
| Net loans and leases to total assets | 51.7036% | 4,458 |
| Net loans and leases to deposits | 59.3323% | 4,516 |
| Net loans and leases to core deposits | 59.3323% | 4,686 |
| Total domestic deposits to total assets | 87.1424% | 2,068 |
| Equity capital to assets | 12.5891% | 1,433 |
| Core capital (leverage) ratio | 12.6296% | 1,332 |
| Tier 1 risk-based capital ratio | 19.8579% | 1,370 |
| Total risk-based capital ratio | 20.6805% | 1,416 |
| Memoranda: | ||
| Average total assets | $40,766,500 | 5,267 |
| Average earning assets | $37,310,500 | 5,265 |
| Average equity | $5,127,000 | 5,200 |
| Average total loans | $21,211,500 | 5,225 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1221% | 2,979 |
| Cost of funding earning assets | 0.2603% | 4,478 |
| Net interest margin | 3.8618% | 2,223 |
| Noninterest income to average assets | 0.3006% | 4,302 |
| Noninterest expense to average assets | 3.0530% | 2,001 |
| Loan and lease loss provision to assets | 0.1454% | 1,568 |
| Net operating income to assets | 0.5224% | 4,318 |
| Return on assets (ROA) | 0.5224% | 4,350 |
| Pretax return on assets | 0.6850% | 4,546 |
| Return on Equity (ROE) | 4.1139% | 4,468 |
| Retained earnings to average equity (ytd only) | 0.6210% | 4,796 |
| Net charge-offs to loans | 0.1380% | 1,686 |
| Credit loss provision to net charge-offs | 203.4483% | 1,345 |
| Earnings coverage of net charge-offs (x) | 11.6207% | 2,553 |
| Efficiency ratio | 78.6168% | 1,267 |
| Assets per employee ($millions) | 4.0561% | 3,875 |
| Cash dividends to net income (ytd only)* | 84.9057% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9081% | 4,437 |
| Loan loss allowance to noncurrent loans | 1,005.2632% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 4,901 |
| Noncurrent loans to loans | 0.0903% | 4,589 |
| Net loans and leases to total assets | 51.3843% | 4,564 |
| Net loans and leases to deposits | 58.9356% | 4,645 |
| Net loans and leases to core deposits | 58.9356% | 4,805 |
| Total domestic deposits to total assets | 87.1872% | 1,903 |
| Equity capital to assets | 12.5638% | 1,479 |
| Core capital (leverage) ratio | 12.2940% | 1,451 |
| Tier 1 risk-based capital ratio | 19.9148% | 1,340 |
| Total risk-based capital ratio | 20.6680% | 1,404 |
| Memoranda: | ||
| Average total assets | $40,583,600 | 5,320 |
| Average earning assets | $37,650,800 | 5,312 |
| Average equity | $5,153,200 | 5,245 |
| Average total loans | $21,011,400 | 5,284 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0552% | 3,155 |
| Cost of funding earning assets | 0.2543% | 4,526 |
| Net interest margin | 3.8008% | 2,396 |
| Noninterest income to average assets | 0.3121% | 4,292 |
| Noninterest expense to average assets | 3.0549% | 1,937 |
| Loan and lease loss provision to assets | 0.1445% | 1,455 |
| Net operating income to assets | 0.4927% | 4,746 |
| Return on assets (ROA) | 0.4927% | 4,783 |
| Pretax return on assets | 0.6471% | 4,737 |
| Return on Equity (ROE) | 3.8703% | 4,890 |
| Retained earnings to average equity (ytd only) | 3.8703% | 3,617 |
| Net charge-offs to loans | 0.1841% | 1,147 |
| Credit loss provision to net charge-offs | 151.7241% | 1,677 |
| Earnings coverage of net charge-offs (x) | 8.3095% | 2,800 |
| Efficiency ratio | 79.4193% | 1,169 |
| Assets per employee ($millions) | 3.9720% | 4,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7366% | 5,054 |
| Loan loss allowance to noncurrent loans | 104.7619% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 0.4230% | 3,329 |
| Noncurrent loans to loans | 0.7032% | 2,601 |
| Net loans and leases to total assets | 59.7080% | 3,900 |
| Net loans and leases to deposits | 69.2478% | 4,023 |
| Net loans and leases to core deposits | 69.2478% | 4,286 |
| Total domestic deposits to total assets | 86.2236% | 2,222 |
| Equity capital to assets | 13.2150% | 1,288 |
| Core capital (leverage) ratio | 13.0047% | 1,204 |
| Tier 1 risk-based capital ratio | 18.1614% | 1,813 |
| Total risk-based capital ratio | 18.7801% | 1,945 |
| Memoranda: | ||
| Average total assets | $40,589,250 | 5,380 |
| Average earning assets | $37,745,250 | 5,366 |
| Average equity | $5,167,500 | 5,301 |
| Average total loans | $21,006,000 | 5,341 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8685% | 3,658 |
| Cost of funding earning assets | 0.2405% | 4,635 |
| Net interest margin | 3.6281% | 2,923 |
| Noninterest income to average assets | 0.3376% | 4,132 |
| Noninterest expense to average assets | 3.0676% | 1,919 |
| Loan and lease loss provision to assets | 0.1419% | 1,442 |
| Net operating income to assets | 0.3620% | 5,063 |
| Return on assets (ROA) | 0.3620% | 5,085 |
| Pretax return on assets | 0.5235% | 4,963 |
| Return on Equity (ROE) | 2.8792% | 5,160 |
| Retained earnings to average equity (ytd only) | 2.8792% | 3,994 |
| Net charge-offs to loans | -0.0100% | 4,535 |
| Credit loss provision to net charge-offs | -2,900.0000% | 5,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1756% | 989 |
| Assets per employee ($millions) | 3.9735% | 3,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8718% | 4,743 |
| Loan loss allowance to noncurrent loans | 96.4646% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 3,097 |
| Noncurrent loans to loans | 0.9037% | 2,171 |
| Net loans and leases to total assets | 54.6571% | 4,346 |
| Net loans and leases to deposits | 63.1833% | 4,418 |
| Net loans and leases to core deposits | 63.1833% | 4,659 |
| Total domestic deposits to total assets | 86.5056% | 2,163 |
| Equity capital to assets | 13.0389% | 1,360 |
| Core capital (leverage) ratio | 12.5478% | 1,349 |
| Tier 1 risk-based capital ratio | 19.6101% | 1,449 |
| Total risk-based capital ratio | 20.3460% | 1,523 |
| Memoranda: | ||
| Average total assets | $40,879,000 | 5,424 |
| Average earning assets | $38,257,330 | 5,403 |
| Average equity | $5,140,330 | 5,339 |
| Average total loans | $20,044,000 | 5,410 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7642% | 3,889 |
| Cost of funding earning assets | 0.2250% | 4,752 |
| Net interest margin | 3.5391% | 3,123 |
| Noninterest income to average assets | 0.4246% | 3,484 |
| Noninterest expense to average assets | 3.0011% | 2,160 |
| Loan and lease loss provision to assets | 0.1447% | 1,292 |
| Net operating income to assets | 0.4535% | 4,764 |
| Return on assets (ROA) | 0.4535% | 4,785 |
| Pretax return on assets | 0.6176% | 4,689 |
| Return on Equity (ROE) | 3.6719% | 4,892 |
| Retained earnings to average equity (ytd only) | 3.6719% | 3,607 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7436% | 1,409 |
| Assets per employee ($millions) | 4.1586% | 3,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9946% | 4,326 |
| Loan loss allowance to noncurrent loans | 88.0000% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 0.4809% | 3,294 |
| Noncurrent loans to loans | 1.1303% | 1,805 |
| Net loans and leases to total assets | 42.1272% | 5,155 |
| Net loans and leases to deposits | 48.2737% | 5,209 |
| Net loans and leases to core deposits | 48.7845% | 5,269 |
| Total domestic deposits to total assets | 87.2673% | 2,082 |
| Equity capital to assets | 12.3647% | 1,628 |
| Core capital (leverage) ratio | 12.2141% | 1,499 |
| Tier 1 risk-based capital ratio | 21.8515% | 1,100 |
| Total risk-based capital ratio | 22.6111% | 1,145 |
| Memoranda: | ||
| Average total assets | $41,451,000 | 5,479 |
| Average earning assets | $39,105,500 | 5,446 |
| Average equity | $5,120,000 | 5,396 |
| Average total loans | $19,111,500 | 5,495 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6226% | 4,455 |
| Cost of funding earning assets | 0.2319% | 4,719 |
| Net interest margin | 3.3908% | 3,852 |
| Noninterest income to average assets | 0.2672% | 4,820 |
| Noninterest expense to average assets | 2.8879% | 2,718 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4600% | 4,768 |
| Return on assets (ROA) | 0.4600% | 4,850 |
| Pretax return on assets | 0.5390% | 4,948 |
| Return on Equity (ROE) | 3.8109% | 4,896 |
| Retained earnings to average equity (ytd only) | 0.3464% | 5,183 |
| Net charge-offs to loans | -0.0470% | 5,377 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2712% | 985 |
| Assets per employee ($millions) | 4.1316% | 3,735 |
| Cash dividends to net income (ytd only)* | 90.9091% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7843% | 5,149 |
| Loan loss allowance to noncurrent loans | 108.0537% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 3,841 |
| Noncurrent loans to loans | 0.7258% | 2,720 |
| Net loans and leases to total assets | 49.2957% | 4,811 |
| Net loans and leases to deposits | 56.3933% | 4,893 |
| Net loans and leases to core deposits | 56.9929% | 5,014 |
| Total domestic deposits to total assets | 87.4141% | 1,924 |
| Equity capital to assets | 12.3390% | 1,612 |
| Core capital (leverage) ratio | 11.0802% | 2,275 |
| Tier 1 risk-based capital ratio | 18.1950% | 1,801 |
| Total risk-based capital ratio | 18.7790% | 1,959 |
| Memoranda: | ||
| Average total assets | $43,041,400 | 5,485 |
| Average earning assets | $40,108,800 | 5,469 |
| Average equity | $5,195,600 | 5,436 |
| Average total loans | $21,258,200 | 5,477 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5946% | 4,568 |
| Cost of funding earning assets | 0.2354% | 4,745 |
| Net interest margin | 3.3592% | 4,001 |
| Noninterest income to average assets | 0.2699% | 4,844 |
| Noninterest expense to average assets | 2.9320% | 2,536 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3957% | 5,029 |
| Return on assets (ROA) | 0.3957% | 5,125 |
| Pretax return on assets | 0.4447% | 5,236 |
| Return on Equity (ROE) | 3.2950% | 5,145 |
| Retained earnings to average equity (ytd only) | 3.2950% | 3,927 |
| Net charge-offs to loans | -0.0498% | 5,365 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8302% | 750 |
| Assets per employee ($millions) | 4.3691% | 3,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6717% | 5,484 |
| Loan loss allowance to noncurrent loans | 106.7114% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.3410% | 4,043 |
| Noncurrent loans to loans | 0.6295% | 3,127 |
| Net loans and leases to total assets | 53.8143% | 4,507 |
| Net loans and leases to deposits | 61.5691% | 4,658 |
| Net loans and leases to core deposits | 62.1863% | 4,815 |
| Total domestic deposits to total assets | 87.4047% | 1,711 |
| Equity capital to assets | 12.0688% | 2,067 |
| Core capital (leverage) ratio | 11.6589% | 1,920 |
| Tier 1 risk-based capital ratio | 17.1367% | 2,187 |
| Total risk-based capital ratio | 17.6679% | 2,402 |
| Memoranda: | ||
| Average total assets | $43,472,750 | 5,533 |
| Average earning assets | $40,207,000 | 5,521 |
| Average equity | $5,220,000 | 5,485 |
| Average total loans | $21,440,750 | 5,519 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5941% | 4,608 |
| Cost of funding earning assets | 0.2389% | 4,768 |
| Net interest margin | 3.3552% | 4,039 |
| Noninterest income to average assets | 0.2719% | 4,838 |
| Noninterest expense to average assets | 2.8894% | 2,713 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4240% | 4,962 |
| Return on assets (ROA) | 0.4240% | 5,048 |
| Pretax return on assets | 0.4885% | 5,153 |
| Return on Equity (ROE) | 3.5369% | 5,082 |
| Retained earnings to average equity (ytd only) | 3.5369% | 3,642 |
| Net charge-offs to loans | -0.0193% | 4,933 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5389% | 922 |
| Assets per employee ($millions) | 4.4365% | 3,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6988% | 5,523 |
| Loan loss allowance to noncurrent loans | 102.6846% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 0.3359% | 4,151 |
| Noncurrent loans to loans | 0.6805% | 3,030 |
| Net loans and leases to total assets | 49.0071% | 4,911 |
| Net loans and leases to deposits | 55.9021% | 5,021 |
| Net loans and leases to core deposits | 56.4522% | 5,143 |
| Total domestic deposits to total assets | 87.6660% | 1,592 |
| Equity capital to assets | 11.8584% | 2,226 |
| Core capital (leverage) ratio | 11.5241% | 1,974 |
| Tier 1 risk-based capital ratio | 17.4218% | 2,091 |
| Total risk-based capital ratio | 17.9454% | 2,308 |
| Memoranda: | ||
| Average total assets | $43,400,000 | 5,595 |
| Average earning assets | $40,177,000 | 5,583 |
| Average equity | $5,202,330 | 5,548 |
| Average total loans | $20,697,330 | 5,612 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7237% | 4,235 |
| Cost of funding earning assets | 0.2415% | 4,791 |
| Net interest margin | 3.4822% | 3,551 |
| Noninterest income to average assets | 0.2796% | 4,711 |
| Noninterest expense to average assets | 2.9172% | 2,648 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4940% | 4,651 |
| Return on assets (ROA) | 0.4940% | 4,751 |
| Pretax return on assets | 0.5872% | 4,855 |
| Return on Equity (ROE) | 4.0982% | 4,858 |
| Retained earnings to average equity (ytd only) | 4.0982% | 3,442 |
| Net charge-offs to loans | -0.0199% | 4,851 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2447% | 1,231 |
| Assets per employee ($millions) | 4.3742% | 3,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7316% | 5,534 |
| Loan loss allowance to noncurrent loans | 45.1039% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 0.7704% | 2,772 |
| Noncurrent loans to loans | 1.6221% | 1,420 |
| Net loans and leases to total assets | 47.1492% | 5,035 |
| Net loans and leases to deposits | 53.7363% | 5,115 |
| Net loans and leases to core deposits | 54.2723% | 5,235 |
| Total domestic deposits to total assets | 87.7418% | 1,785 |
| Equity capital to assets | 11.8879% | 2,102 |
| Core capital (leverage) ratio | 11.6412% | 1,872 |
| Tier 1 risk-based capital ratio | 18.1835% | 1,936 |
| Total risk-based capital ratio | 18.7309% | 2,097 |
| Memoranda: | ||
| Average total assets | $42,917,500 | 5,658 |
| Average earning assets | $39,745,000 | 5,642 |
| Average equity | $5,173,000 | 5,592 |
| Average total loans | $20,098,500 | 5,678 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3116% | 5,327 |
| Cost of funding earning assets | 0.2456% | 4,830 |
| Net interest margin | 3.0660% | 4,990 |
| Noninterest income to average assets | 0.2978% | 4,757 |
| Noninterest expense to average assets | 2.6683% | 3,697 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4326% | 4,943 |
| Return on assets (ROA) | 0.4409% | 4,999 |
| Pretax return on assets | 0.4916% | 5,132 |
| Return on Equity (ROE) | 3.6743% | 5,076 |
| Retained earnings to average equity (ytd only) | 0.2116% | 5,425 |
| Net charge-offs to loans | 0.0554% | 3,105 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,975 |
| Efficiency ratio | 84.6886% | 1,124 |
| Assets per employee ($millions) | 4.2093% | 3,550 |
| Cash dividends to net income (ytd only)* | 94.2408% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7775% | 5,470 |
| Loan loss allowance to noncurrent loans | 44.8071% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 0.8006% | 2,672 |
| Noncurrent loans to loans | 1.7352% | 1,298 |
| Net loans and leases to total assets | 45.7796% | 5,176 |
| Net loans and leases to deposits | 52.3428% | 5,267 |
| Net loans and leases to core deposits | 52.8858% | 5,376 |
| Total domestic deposits to total assets | 87.4611% | 1,901 |
| Equity capital to assets | 12.2253% | 1,794 |
| Core capital (leverage) ratio | 11.4343% | 2,011 |
| Tier 1 risk-based capital ratio | 19.4428% | 1,601 |
| Total risk-based capital ratio | 20.0303% | 1,711 |
| Memoranda: | ||
| Average total assets | $43,324,000 | 5,697 |
| Average earning assets | $40,312,800 | 5,668 |
| Average equity | $5,198,200 | 5,609 |
| Average total loans | $19,844,400 | 5,725 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2227% | 5,555 |
| Cost of funding earning assets | 0.2423% | 4,967 |
| Net interest margin | 2.9803% | 5,243 |
| Noninterest income to average assets | 0.3025% | 4,774 |
| Noninterest expense to average assets | 2.6585% | 3,692 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3980% | 5,172 |
| Return on assets (ROA) | 0.4095% | 5,218 |
| Pretax return on assets | 0.4370% | 5,383 |
| Return on Equity (ROE) | 3.4284% | 5,239 |
| Retained earnings to average equity (ytd only) | 3.4284% | 4,030 |
| Net charge-offs to loans | 0.0067% | 3,938 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 139.3459% | 492 |
| Efficiency ratio | 86.2240% | 990 |
| Assets per employee ($millions) | 4.2679% | 3,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7305% | 5,658 |
| Loan loss allowance to noncurrent loans | 46.2644% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 0.8154% | 2,843 |
| Noncurrent loans to loans | 1.5790% | 1,578 |
| Net loans and leases to total assets | 51.2617% | 4,829 |
| Net loans and leases to deposits | 58.8815% | 4,929 |
| Net loans and leases to core deposits | 59.4866% | 5,101 |
| Total domestic deposits to total assets | 87.0592% | 2,007 |
| Equity capital to assets | 12.3714% | 1,812 |
| Core capital (leverage) ratio | 12.0253% | 1,663 |
| Tier 1 risk-based capital ratio | 17.8528% | 2,070 |
| Total risk-based capital ratio | 18.4142% | 2,258 |
| Memoranda: | ||
| Average total assets | $43,631,750 | 5,767 |
| Average earning assets | $40,710,000 | 5,734 |
| Average equity | $5,211,250 | 5,671 |
| Average total loans | $19,950,250 | 5,796 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1214% | 5,719 |
| Cost of funding earning assets | 0.2439% | 5,013 |
| Net interest margin | 2.8776% | 5,480 |
| Noninterest income to average assets | 0.3003% | 4,807 |
| Noninterest expense to average assets | 2.6576% | 3,728 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2801% | 5,496 |
| Return on assets (ROA) | 0.2958% | 5,549 |
| Pretax return on assets | 0.3459% | 5,584 |
| Return on Equity (ROE) | 2.5056% | 5,559 |
| Retained earnings to average equity (ytd only) | 2.5056% | 4,459 |
| Net charge-offs to loans | -0.0104% | 4,932 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0244% | 824 |
| Assets per employee ($millions) | 4.2645% | 3,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8321% | 5,516 |
| Loan loss allowance to noncurrent loans | 543.3333% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 5,582 |
| Noncurrent loans to loans | 0.1531% | 5,138 |
| Net loans and leases to total assets | 45.5552% | 5,286 |
| Net loans and leases to deposits | 52.1838% | 5,368 |
| Net loans and leases to core deposits | 52.7177% | 5,503 |
| Total domestic deposits to total assets | 87.2975% | 2,011 |
| Equity capital to assets | 12.2031% | 1,875 |
| Core capital (leverage) ratio | 11.4562% | 2,030 |
| Tier 1 risk-based capital ratio | 23.2998% | 1,037 |
| Total risk-based capital ratio | 24.0519% | 1,086 |
| Memoranda: | ||
| Average total assets | $43,949,330 | 5,825 |
| Average earning assets | $41,006,670 | 5,787 |
| Average equity | $5,188,330 | 5,733 |
| Average total loans | $19,254,000 | 5,878 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1469% | 5,726 |
| Cost of funding earning assets | 0.2502% | 5,020 |
| Net interest margin | 2.8967% | 5,462 |
| Noninterest income to average assets | 0.2421% | 5,237 |
| Noninterest expense to average assets | 2.6815% | 3,652 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3049% | 5,394 |
| Return on assets (ROA) | 0.3049% | 5,499 |
| Pretax return on assets | 0.2601% | 5,734 |
| Return on Equity (ROE) | 2.6252% | 5,500 |
| Retained earnings to average equity (ytd only) | 2.6252% | 4,370 |
| Net charge-offs to loans | -0.0210% | 5,074 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1585% | 767 |
| Assets per employee ($millions) | 5.6346% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9157% | 5,389 |
| Loan loss allowance to noncurrent loans | 16,300.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 5,968 |
| Noncurrent loans to loans | 0.0056% | 5,789 |
| Net loans and leases to total assets | 39.1264% | 5,653 |
| Net loans and leases to deposits | 44.4492% | 5,741 |
| Net loans and leases to core deposits | 44.8756% | 5,802 |
| Total domestic deposits to total assets | 88.0249% | 1,803 |
| Equity capital to assets | 11.5558% | 2,413 |
| Core capital (leverage) ratio | 11.1796% | 2,244 |
| Tier 1 risk-based capital ratio | 25.7646% | 808 |
| Total risk-based capital ratio | 26.6010% | 833 |
| Memoranda: | ||
| Average total assets | $44,601,500 | 5,855 |
| Average earning assets | $41,565,000 | 5,825 |
| Average equity | $5,180,500 | 5,787 |
| Average total loans | $19,086,000 | 5,938 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4222% | 5,486 |
| Cost of funding earning assets | 0.2562% | 5,260 |
| Net interest margin | 3.1659% | 5,031 |
| Noninterest income to average assets | 0.2550% | 5,310 |
| Noninterest expense to average assets | 2.6044% | 4,199 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4610% | 4,960 |
| Return on assets (ROA) | 0.4762% | 4,995 |
| Pretax return on assets | 0.5687% | 5,035 |
| Return on Equity (ROE) | 4.0679% | 5,084 |
| Retained earnings to average equity (ytd only) | 0.0193% | 5,753 |
| Net charge-offs to loans | 0.0050% | 4,845 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 244.0000% | 223 |
| Efficiency ratio | 82.5465% | 1,593 |
| Assets per employee ($millions) | 4.9029% | 2,456 |
| Cash dividends to net income (ytd only)* | 99.5261% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7952% | 5,785 |
| Loan loss allowance to noncurrent loans | 8,100.0000% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 6,074 |
| Noncurrent loans to loans | 0.0098% | 5,880 |
| Net loans and leases to total assets | 45.8007% | 5,340 |
| Net loans and leases to deposits | 52.0635% | 5,476 |
| Net loans and leases to core deposits | 53.0934% | 5,555 |
| Total domestic deposits to total assets | 87.9708% | 1,788 |
| Equity capital to assets | 11.6757% | 2,274 |
| Core capital (leverage) ratio | 10.7517% | 2,670 |
| Tier 1 risk-based capital ratio | 19.8345% | 1,629 |
| Total risk-based capital ratio | 20.4790% | 1,753 |
| Memoranda: | ||
| Average total assets | $44,308,800 | 5,920 |
| Average earning assets | $40,588,200 | 5,904 |
| Average equity | $5,187,000 | 5,814 |
| Average total loans | $19,843,400 | 5,967 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4346% | 5,530 |
| Cost of funding earning assets | 0.2604% | 5,297 |
| Net interest margin | 3.1742% | 5,047 |
| Noninterest income to average assets | 0.2375% | 5,508 |
| Noninterest expense to average assets | 2.6453% | 4,034 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4067% | 5,223 |
| Return on assets (ROA) | 0.4269% | 5,227 |
| Pretax return on assets | 0.5110% | 5,299 |
| Return on Equity (ROE) | 3.6439% | 5,309 |
| Retained earnings to average equity (ytd only) | 3.6439% | 4,056 |
| Net charge-offs to loans | 0.0135% | 4,282 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 80.8951% | 698 |
| Efficiency ratio | 84.4530% | 1,334 |
| Assets per employee ($millions) | 5.0283% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7554% | 5,978 |
| Loan loss allowance to noncurrent loans | 4,025.0000% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 6,155 |
| Noncurrent loans to loans | 0.0188% | 5,957 |
| Net loans and leases to total assets | 46.7418% | 5,313 |
| Net loans and leases to deposits | 53.3117% | 5,434 |
| Net loans and leases to core deposits | 54.3416% | 5,548 |
| Total domestic deposits to total assets | 87.6765% | 1,936 |
| Equity capital to assets | 11.7004% | 2,306 |
| Core capital (leverage) ratio | 11.9070% | 1,757 |
| Tier 1 risk-based capital ratio | 19.6475% | 1,745 |
| Total risk-based capital ratio | 20.2644% | 1,868 |
| Memoranda: | ||
| Average total assets | $44,354,500 | 5,990 |
| Average earning assets | $40,450,500 | 5,981 |
| Average equity | $5,195,750 | 5,877 |
| Average total loans | $19,711,250 | 6,038 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3115% | 5,772 |
| Cost of funding earning assets | 0.2616% | 5,371 |
| Net interest margin | 3.0499% | 5,395 |
| Noninterest income to average assets | 0.2315% | 5,539 |
| Noninterest expense to average assets | 2.6785% | 3,948 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4540% | 4,996 |
| Return on assets (ROA) | 0.4858% | 4,934 |
| Pretax return on assets | 0.3904% | 5,593 |
| Return on Equity (ROE) | 4.1451% | 5,084 |
| Retained earnings to average equity (ytd only) | 4.1451% | 3,538 |
| Net charge-offs to loans | 0.0313% | 3,570 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 26.3333% | 1,379 |
| Efficiency ratio | 88.1913% | 1,071 |
| Assets per employee ($millions) | 4.3149% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7514% | 6,085 |
| Loan loss allowance to noncurrent loans | 4,000.0000% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 6,222 |
| Noncurrent loans to loans | 0.0188% | 6,017 |
| Net loans and leases to total assets | 48.9814% | 5,081 |
| Net loans and leases to deposits | 56.0640% | 5,185 |
| Net loans and leases to core deposits | 57.2036% | 5,324 |
| Total domestic deposits to total assets | 87.3670% | 2,267 |
| Equity capital to assets | 12.1741% | 1,868 |
| Core capital (leverage) ratio | 11.5550% | 1,961 |
| Tier 1 risk-based capital ratio | 19.9413% | 1,702 |
| Total risk-based capital ratio | 20.5677% | 1,809 |
| Memoranda: | ||
| Average total assets | $44,054,330 | 6,057 |
| Average earning assets | $40,526,000 | 6,031 |
| Average equity | $5,162,670 | 5,918 |
| Average total loans | $19,177,000 | 6,109 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1627% | 6,050 |
| Cost of funding earning assets | 0.2652% | 5,441 |
| Net interest margin | 2.8975% | 5,757 |
| Noninterest income to average assets | 0.2876% | 5,073 |
| Noninterest expense to average assets | 2.6782% | 4,005 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1168% | 5,989 |
| Return on assets (ROA) | 0.1168% | 6,022 |
| Pretax return on assets | 0.2606% | 5,805 |
| Return on Equity (ROE) | 1.0161% | 6,036 |
| Retained earnings to average equity (ytd only) | 1.0161% | 5,192 |
| Net charge-offs to loans | 0.0442% | 2,772 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 14.5000% | 1,602 |
| Efficiency ratio | 91.1315% | 941 |
| Assets per employee ($millions) | 4.6204% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9058% | 5,853 |
| Loan loss allowance to noncurrent loans | 3,220.0000% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 5,894 |
| Noncurrent loans to loans | 0.0281% | 6,073 |
| Net loans and leases to total assets | 38.1222% | 5,934 |
| Net loans and leases to deposits | 43.0765% | 6,020 |
| Net loans and leases to core deposits | 43.8814% | 6,083 |
| Total domestic deposits to total assets | 88.4988% | 1,937 |
| Equity capital to assets | 11.1008% | 2,628 |
| Core capital (leverage) ratio | 10.9752% | 2,414 |
| Tier 1 risk-based capital ratio | 20.7791% | 1,517 |
| Total risk-based capital ratio | 21.4485% | 1,641 |
| Memoranda: | ||
| Average total assets | $44,507,000 | 6,101 |
| Average earning assets | $40,724,500 | 6,086 |
| Average equity | $5,117,500 | 5,967 |
| Average total loans | $18,118,000 | 6,212 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6823% | 5,186 |
| Cost of funding earning assets | 0.2874% | 5,692 |
| Net interest margin | 3.3949% | 4,290 |
| Noninterest income to average assets | 0.4264% | 4,259 |
| Noninterest expense to average assets | 2.7095% | 4,059 |
| Loan and lease loss provision to assets | 0.1128% | 2,928 |
| Net operating income to assets | 0.6452% | 4,050 |
| Return on assets (ROA) | 0.6452% | 4,162 |
| Pretax return on assets | 0.7219% | 4,457 |
| Return on Equity (ROE) | 5.4996% | 4,392 |
| Retained earnings to average equity (ytd only) | 1.4614% | 5,161 |
| Net charge-offs to loans | 0.7079% | 910 |
| Credit loss provision to net charge-offs | 34.2466% | 4,161 |
| Earnings coverage of net charge-offs (x) | 2.5342% | 4,166 |
| Efficiency ratio | 76.4481% | 2,712 |
| Assets per employee ($millions) | 4.2810% | 3,299 |
| Cash dividends to net income (ytd only)* | 73.4266% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8829% | 5,975 |
| Loan loss allowance to noncurrent loans | 301.8519% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 5,943 |
| Noncurrent loans to loans | 0.2925% | 5,310 |
| Net loans and leases to total assets | 42.7423% | 5,773 |
| Net loans and leases to deposits | 48.6908% | 5,850 |
| Net loans and leases to core deposits | 50.0219% | 5,934 |
| Total domestic deposits to total assets | 87.7832% | 2,318 |
| Equity capital to assets | 11.9271% | 1,850 |
| Core capital (leverage) ratio | 10.9892% | 2,394 |
| Tier 1 risk-based capital ratio | 21.9078% | 1,275 |
| Total risk-based capital ratio | 22.6240% | 1,341 |
| Memoranda: | ||
| Average total assets | $44,325,000 | 6,169 |
| Average earning assets | $40,708,400 | 6,151 |
| Average equity | $5,200,400 | 6,022 |
| Average total loans | $20,623,800 | 6,168 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7210% | 5,109 |
| Cost of funding earning assets | 0.2917% | 5,798 |
| Net interest margin | 3.4293% | 4,170 |
| Noninterest income to average assets | 0.4712% | 3,993 |
| Noninterest expense to average assets | 2.6336% | 4,263 |
| Loan and lease loss provision to assets | 0.1491% | 2,405 |
| Net operating income to assets | 0.7576% | 3,570 |
| Return on assets (ROA) | 0.7576% | 3,700 |
| Pretax return on assets | 0.8441% | 4,123 |
| Return on Equity (ROE) | 6.4828% | 3,942 |
| Retained earnings to average equity (ytd only) | 6.4828% | 2,145 |
| Net charge-offs to loans | 0.9197% | 632 |
| Credit loss provision to net charge-offs | 34.2466% | 3,817 |
| Earnings coverage of net charge-offs (x) | 2.2808% | 4,083 |
| Efficiency ratio | 72.6151% | 3,298 |
| Assets per employee ($millions) | 4.5746% | 2,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7174% | 6,419 |
| Loan loss allowance to noncurrent loans | 296.3636% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.1202% | 6,068 |
| Noncurrent loans to loans | 0.2421% | 5,630 |
| Net loans and leases to total assets | 49.3092% | 5,213 |
| Net loans and leases to deposits | 56.1455% | 5,367 |
| Net loans and leases to core deposits | 57.5771% | 5,483 |
| Total domestic deposits to total assets | 87.8241% | 2,234 |
| Equity capital to assets | 11.6032% | 2,219 |
| Core capital (leverage) ratio | 11.8718% | 1,756 |
| Tier 1 risk-based capital ratio | 19.4194% | 1,881 |
| Total risk-based capital ratio | 20.0323% | 2,018 |
| Memoranda: | ||
| Average total assets | $44,703,750 | 6,226 |
| Average earning assets | $41,135,000 | 6,206 |
| Average equity | $5,224,000 | 6,080 |
| Average total loans | $21,164,500 | 6,207 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6463% | 5,300 |
| Cost of funding earning assets | 0.2990% | 5,836 |
| Net interest margin | 3.3474% | 4,387 |
| Noninterest income to average assets | 0.5456% | 3,534 |
| Noninterest expense to average assets | 2.6648% | 4,165 |
| Loan and lease loss provision to assets | 0.2254% | 1,679 |
| Net operating income to assets | 0.8747% | 2,933 |
| Return on assets (ROA) | 0.8747% | 3,078 |
| Pretax return on assets | 0.7350% | 4,555 |
| Return on Equity (ROE) | 7.4673% | 3,359 |
| Retained earnings to average equity (ytd only) | 7.4673% | 1,685 |
| Net charge-offs to loans | 1.4143% | 390 |
| Credit loss provision to net charge-offs | 34.2466% | 3,513 |
| Earnings coverage of net charge-offs (x) | 1.4589% | 4,050 |
| Efficiency ratio | 73.5075% | 3,226 |
| Assets per employee ($millions) | 4.4304% | 2,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6531% | 6,559 |
| Loan loss allowance to noncurrent loans | 2,328.5714% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 6,501 |
| Noncurrent loans to loans | 0.0280% | 6,326 |
| Net loans and leases to total assets | 55.9656% | 4,297 |
| Net loans and leases to deposits | 63.7486% | 4,539 |
| Net loans and leases to core deposits | 66.0759% | 4,681 |
| Total domestic deposits to total assets | 87.7912% | 2,387 |
| Equity capital to assets | 11.7935% | 2,059 |
| Core capital (leverage) ratio | 11.4074% | 2,016 |
| Tier 1 risk-based capital ratio | 18.0756% | 2,294 |
| Total risk-based capital ratio | 18.6528% | 2,523 |
| Memoranda: | ||
| Average total assets | $44,356,330 | 6,281 |
| Average earning assets | $40,808,000 | 6,264 |
| Average equity | $5,196,000 | 6,134 |
| Average total loans | $20,646,000 | 6,271 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4334% | 5,868 |
| Cost of funding earning assets | 0.3041% | 5,938 |
| Net interest margin | 3.1293% | 5,165 |
| Noninterest income to average assets | 0.3875% | 4,560 |
| Noninterest expense to average assets | 2.7038% | 4,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4416% | 4,952 |
| Return on assets (ROA) | 0.4416% | 5,114 |
| Pretax return on assets | 0.5588% | 5,085 |
| Return on Equity (ROE) | 3.7827% | 5,202 |
| Retained earnings to average equity (ytd only) | 3.7827% | 3,965 |
| Net charge-offs to loans | -0.0433% | 6,071 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8729% | 1,911 |
| Assets per employee ($millions) | 4.5259% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 4,770 |
| Loan loss allowance to noncurrent loans | 95.2555% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 0.6054% | 4,878 |
| Noncurrent loans to loans | 1.3516% | 3,539 |
| Net loans and leases to total assets | 44.2144% | 5,635 |
| Net loans and leases to deposits | 50.2234% | 5,772 |
| Net loans and leases to core deposits | 52.6010% | 5,779 |
| Total domestic deposits to total assets | 88.0355% | 2,284 |
| Equity capital to assets | 11.4673% | 2,441 |
| Core capital (leverage) ratio | 10.8550% | 2,394 |
| Tier 1 risk-based capital ratio | 20.1397% | 1,732 |
| Total risk-based capital ratio | 21.1997% | 1,755 |
| Memoranda: | ||
| Average total assets | $44,382,500 | 6,334 |
| Average earning assets | $40,776,500 | 6,316 |
| Average equity | $5,181,500 | 6,189 |
| Average total loans | $18,490,000 | 6,428 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6855% | 6,078 |
| Cost of funding earning assets | 0.3798% | 6,056 |
| Net interest margin | 3.3057% | 5,227 |
| Noninterest income to average assets | 0.2747% | 5,496 |
| Noninterest expense to average assets | 2.6558% | 4,554 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5441% | 4,506 |
| Return on assets (ROA) | 0.5518% | 4,720 |
| Pretax return on assets | 0.6571% | 4,804 |
| Return on Equity (ROE) | 4.6160% | 4,874 |
| Retained earnings to average equity (ytd only) | 0.5938% | 5,557 |
| Net charge-offs to loans | -0.0175% | 6,535 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3881% | 2,102 |
| Assets per employee ($millions) | 4.3506% | 3,255 |
| Cash dividends to net income (ytd only)* | 87.1369% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5502% | 3,520 |
| Loan loss allowance to noncurrent loans | 95.2206% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.6252% | 4,911 |
| Noncurrent loans to loans | 1.6280% | 3,186 |
| Net loans and leases to total assets | 37.8086% | 6,320 |
| Net loans and leases to deposits | 43.1302% | 6,418 |
| Net loans and leases to core deposits | 45.1846% | 6,411 |
| Total domestic deposits to total assets | 87.6615% | 2,439 |
| Equity capital to assets | 11.8903% | 2,119 |
| Core capital (leverage) ratio | 11.0293% | 2,232 |
| Tier 1 risk-based capital ratio | 23.0488% | 1,108 |
| Total risk-based capital ratio | 24.2636% | 1,094 |
| Memoranda: | ||
| Average total assets | $43,678,200 | 6,380 |
| Average earning assets | $40,022,000 | 6,363 |
| Average equity | $5,221,000 | 6,234 |
| Average total loans | $17,133,400 | 6,547 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6934% | 6,235 |
| Cost of funding earning assets | 0.3890% | 6,181 |
| Net interest margin | 3.3044% | 5,380 |
| Noninterest income to average assets | 0.2714% | 5,616 |
| Noninterest expense to average assets | 2.6043% | 4,727 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5860% | 4,455 |
| Return on assets (ROA) | 0.5886% | 4,713 |
| Pretax return on assets | 0.7014% | 4,857 |
| Return on Equity (ROE) | 4.9174% | 4,860 |
| Retained earnings to average equity (ytd only) | 4.9174% | 3,424 |
| Net charge-offs to loans | -0.0232% | 6,532 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8550% | 2,255 |
| Assets per employee ($millions) | 4.4724% | 2,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 4,252 |
| Loan loss allowance to noncurrent loans | 82.4841% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 0.7021% | 4,934 |
| Noncurrent loans to loans | 1.7303% | 3,194 |
| Net loans and leases to total assets | 39.9964% | 6,287 |
| Net loans and leases to deposits | 45.8079% | 6,401 |
| Net loans and leases to core deposits | 47.9327% | 6,419 |
| Total domestic deposits to total assets | 87.3133% | 2,492 |
| Equity capital to assets | 11.9958% | 2,261 |
| Core capital (leverage) ratio | 11.4461% | 2,024 |
| Tier 1 risk-based capital ratio | 22.2300% | 1,289 |
| Total risk-based capital ratio | 23.3643% | 1,292 |
| Memoranda: | ||
| Average total assets | $43,721,250 | 6,454 |
| Average earning assets | $40,107,000 | 6,433 |
| Average equity | $5,233,000 | 6,299 |
| Average total loans | $17,239,750 | 6,627 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6895% | 6,351 |
| Cost of funding earning assets | 0.3966% | 6,279 |
| Net interest margin | 3.2930% | 5,456 |
| Noninterest income to average assets | 0.2858% | 5,524 |
| Noninterest expense to average assets | 2.6091% | 4,744 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5762% | 4,465 |
| Return on assets (ROA) | 0.5762% | 4,736 |
| Pretax return on assets | 0.7007% | 4,831 |
| Return on Equity (ROE) | 4.8179% | 4,890 |
| Retained earnings to average equity (ytd only) | 4.8179% | 3,395 |
| Net charge-offs to loans | -0.0236% | 6,466 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8301% | 2,348 |
| Assets per employee ($millions) | 4.3324% | 3,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 4,686 |
| Loan loss allowance to noncurrent loans | 339.4737% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.1754% | 6,355 |
| Noncurrent loans to loans | 0.3962% | 5,745 |
| Net loans and leases to total assets | 43.6802% | 6,046 |
| Net loans and leases to deposits | 50.0926% | 6,175 |
| Net loans and leases to core deposits | 54.9095% | 6,029 |
| Total domestic deposits to total assets | 87.1988% | 2,652 |
| Equity capital to assets | 12.1780% | 2,017 |
| Core capital (leverage) ratio | 11.3440% | 2,014 |
| Tier 1 risk-based capital ratio | 21.3618% | 1,413 |
| Total risk-based capital ratio | 22.4626% | 1,412 |
| Memoranda: | ||
| Average total assets | $43,387,000 | 6,501 |
| Average earning assets | $39,842,670 | 6,479 |
| Average equity | $5,189,000 | 6,339 |
| Average total loans | $16,937,330 | 6,694 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6804% | 6,473 |
| Cost of funding earning assets | 0.3911% | 6,452 |
| Net interest margin | 3.2893% | 5,507 |
| Noninterest income to average assets | 0.3132% | 5,376 |
| Noninterest expense to average assets | 2.6809% | 4,502 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5528% | 4,575 |
| Return on assets (ROA) | 0.5528% | 4,792 |
| Pretax return on assets | 0.6541% | 4,929 |
| Return on Equity (ROE) | 4.6643% | 4,949 |
| Retained earnings to average equity (ytd only) | 4.6643% | 3,769 |
| Net charge-offs to loans | -0.0253% | 6,267 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3867% | 2,155 |
| Assets per employee ($millions) | 4.5097% | 2,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6271% | 3,618 |
| Loan loss allowance to noncurrent loans | 48.6742% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 1.1708% | 4,173 |
| Noncurrent loans to loans | 3.3428% | 1,903 |
| Net loans and leases to total assets | 34.4546% | 6,715 |
| Net loans and leases to deposits | 39.1474% | 6,774 |
| Net loans and leases to core deposits | 42.7103% | 6,712 |
| Total domestic deposits to total assets | 88.0125% | 2,311 |
| Equity capital to assets | 11.4952% | 2,450 |
| Core capital (leverage) ratio | 11.1797% | 2,123 |
| Tier 1 risk-based capital ratio | 23.6961% | 1,043 |
| Total risk-based capital ratio | 24.9281% | 1,031 |
| Memoranda: | ||
| Average total assets | $43,418,500 | 6,551 |
| Average earning assets | $39,887,000 | 6,530 |
| Average equity | $5,145,500 | 6,384 |
| Average total loans | $15,815,000 | 6,805 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0837% | 6,304 |
| Cost of funding earning assets | 0.4984% | 6,540 |
| Net interest margin | 3.5853% | 4,789 |
| Noninterest income to average assets | 0.2813% | 5,518 |
| Noninterest expense to average assets | 2.7269% | 4,635 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6936% | 3,519 |
| Return on assets (ROA) | 0.6936% | 3,704 |
| Pretax return on assets | 0.8295% | 3,871 |
| Return on Equity (ROE) | 5.7469% | 4,005 |
| Retained earnings to average equity (ytd only) | 1.5997% | 5,071 |
| Net charge-offs to loans | -0.0170% | 6,939 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6756% | 2,800 |
| Assets per employee ($millions) | 4.1740% | 3,504 |
| Cash dividends to net income (ytd only)* | 72.1649% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6167% | 3,522 |
| Loan loss allowance to noncurrent loans | 53.8947% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 1.1380% | 4,338 |
| Noncurrent loans to loans | 2.9997% | 2,166 |
| Net loans and leases to total assets | 37.3239% | 6,677 |
| Net loans and leases to deposits | 42.7361% | 6,778 |
| Net loans and leases to core deposits | 45.4251% | 6,754 |
| Total domestic deposits to total assets | 87.3359% | 2,561 |
| Equity capital to assets | 12.2353% | 1,946 |
| Core capital (leverage) ratio | 11.3524% | 2,003 |
| Tier 1 risk-based capital ratio | 23.8694% | 977 |
| Total risk-based capital ratio | 25.1210% | 962 |
| Memoranda: | ||
| Average total assets | $41,953,000 | 6,601 |
| Average earning assets | $38,323,000 | 6,593 |
| Average equity | $5,063,600 | 6,423 |
| Average total loans | $17,623,600 | 6,777 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1676% | 6,280 |
| Cost of funding earning assets | 0.5205% | 6,620 |
| Net interest margin | 3.6471% | 4,584 |
| Noninterest income to average assets | 0.2857% | 5,565 |
| Noninterest expense to average assets | 2.6852% | 4,786 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7586% | 3,348 |
| Return on assets (ROA) | 0.7586% | 3,510 |
| Pretax return on assets | 0.9363% | 3,635 |
| Return on Equity (ROE) | 6.3067% | 3,873 |
| Retained earnings to average equity (ytd only) | 6.3067% | 2,362 |
| Net charge-offs to loans | -0.0295% | 6,972 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1455% | 3,152 |
| Assets per employee ($millions) | 4.3830% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 4,467 |
| Loan loss allowance to noncurrent loans | 54.1053% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 1.0837% | 4,590 |
| Noncurrent loans to loans | 2.6246% | 2,647 |
| Net loans and leases to total assets | 40.7050% | 6,582 |
| Net loans and leases to deposits | 46.6346% | 6,709 |
| Net loans and leases to core deposits | 49.4183% | 6,697 |
| Total domestic deposits to total assets | 87.2850% | 2,474 |
| Equity capital to assets | 12.0192% | 2,237 |
| Core capital (leverage) ratio | 11.7768% | 1,840 |
| Tier 1 risk-based capital ratio | 22.0723% | 1,273 |
| Total risk-based capital ratio | 23.1979% | 1,274 |
| Memoranda: | ||
| Average total assets | $42,006,250 | 6,658 |
| Average earning assets | $38,422,250 | 6,642 |
| Average equity | $5,052,750 | 6,480 |
| Average total loans | $18,070,750 | 6,817 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3243% | 5,940 |
| Cost of funding earning assets | 0.5405% | 6,702 |
| Net interest margin | 3.7838% | 3,873 |
| Noninterest income to average assets | 0.2899% | 5,557 |
| Noninterest expense to average assets | 2.7392% | 4,658 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8020% | 3,064 |
| Return on assets (ROA) | 0.8020% | 3,190 |
| Pretax return on assets | 1.0000% | 3,243 |
| Return on Equity (ROE) | 6.6653% | 3,609 |
| Retained earnings to average equity (ytd only) | 6.6653% | 2,041 |
| Net charge-offs to loans | 0.0111% | 5,699 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 207.0000% | 178 |
| Efficiency ratio | 73.2558% | 3,507 |
| Assets per employee ($millions) | 4.1437% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 4,773 |
| Loan loss allowance to noncurrent loans | 53.8462% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 1.1294% | 4,634 |
| Noncurrent loans to loans | 2.5267% | 2,860 |
| Net loans and leases to total assets | 44.0910% | 6,431 |
| Net loans and leases to deposits | 50.6262% | 6,558 |
| Net loans and leases to core deposits | 54.4788% | 6,532 |
| Total domestic deposits to total assets | 87.0912% | 2,691 |
| Equity capital to assets | 12.3658% | 1,865 |
| Core capital (leverage) ratio | 11.7183% | 1,771 |
| Tier 1 risk-based capital ratio | 21.8979% | 1,275 |
| Total risk-based capital ratio | 23.0091% | 1,265 |
| Memoranda: | ||
| Average total assets | $41,398,330 | 6,734 |
| Average earning assets | $37,740,330 | 6,726 |
| Average equity | $4,981,000 | 6,538 |
| Average total loans | $18,061,670 | 6,888 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4501% | 5,509 |
| Cost of funding earning assets | 0.5919% | 6,635 |
| Net interest margin | 3.8581% | 3,348 |
| Noninterest income to average assets | 0.3093% | 5,453 |
| Noninterest expense to average assets | 2.8034% | 4,423 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8120% | 2,966 |
| Return on assets (ROA) | 0.8120% | 3,031 |
| Pretax return on assets | 1.0343% | 3,007 |
| Return on Equity (ROE) | 6.8439% | 3,468 |
| Retained earnings to average equity (ytd only) | 6.8439% | 2,216 |
| Net charge-offs to loans | 0.0224% | 4,769 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 107.0000% | 302 |
| Efficiency ratio | 73.0479% | 3,670 |
| Assets per employee ($millions) | 3.8620% | 4,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4932% | 4,246 |
| Loan loss allowance to noncurrent loans | 350.0000% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 6,740 |
| Noncurrent loans to loans | 0.4266% | 6,149 |
| Net loans and leases to total assets | 39.1319% | 6,843 |
| Net loans and leases to deposits | 44.5004% | 6,934 |
| Net loans and leases to core deposits | 47.7578% | 6,885 |
| Total domestic deposits to total assets | 87.9361% | 2,409 |
| Equity capital to assets | 11.6614% | 2,148 |
| Core capital (leverage) ratio | 11.6338% | 1,781 |
| Tier 1 risk-based capital ratio | 21.6298% | 1,297 |
| Total risk-based capital ratio | 22.7458% | 1,288 |
| Memoranda: | ||
| Average total assets | $41,379,000 | 6,781 |
| Average earning assets | $37,842,000 | 6,768 |
| Average equity | $4,909,500 | 6,592 |
| Average total loans | $17,831,500 | 6,953 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2271% | 3,477 |
| Cost of funding earning assets | 0.6433% | 7,020 |
| Net interest margin | 4.5838% | 1,040 |
| Noninterest income to average assets | 0.3370% | 5,375 |
| Noninterest expense to average assets | 3.1085% | 3,420 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.0736% | 1,783 |
| Return on assets (ROA) | 1.0736% | 1,879 |
| Pretax return on assets | 1.3792% | 1,713 |
| Return on Equity (ROE) | 8.3020% | 2,581 |
| Retained earnings to average equity (ytd only) | 2.8481% | 3,852 |
| Net charge-offs to loans | 0.4334% | 3,889 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 5.9326% | 2,491 |
| Efficiency ratio | 69.2666% | 4,320 |
| Assets per employee ($millions) | 3.6615% | 4,543 |
| Cash dividends to net income (ytd only)* | 65.6934% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 4,768 |
| Loan loss allowance to noncurrent loans | 197.6563% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.3178% | 6,451 |
| Noncurrent loans to loans | 0.6813% | 5,682 |
| Net loans and leases to total assets | 46.0175% | 6,556 |
| Net loans and leases to deposits | 52.5117% | 6,712 |
| Net loans and leases to core deposits | 56.3378% | 6,676 |
| Total domestic deposits to total assets | 87.6328% | 2,461 |
| Equity capital to assets | 12.0792% | 1,865 |
| Core capital (leverage) ratio | 11.6891% | 1,733 |
| Tier 1 risk-based capital ratio | 20.4726% | 1,406 |
| Total risk-based capital ratio | 21.5517% | 1,414 |
| Memoranda: | ||
| Average total assets | $38,282,000 | 6,923 |
| Average earning assets | $34,665,600 | 6,926 |
| Average equity | $4,950,600 | 6,679 |
| Average total loans | $20,537,200 | 6,897 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4230% | 2,777 |
| Cost of funding earning assets | 0.6472% | 7,184 |
| Net interest margin | 4.7758% | 709 |
| Noninterest income to average assets | 0.3458% | 5,400 |
| Noninterest expense to average assets | 3.0171% | 3,680 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2315% | 1,511 |
| Return on assets (ROA) | 1.2315% | 1,587 |
| Pretax return on assets | 1.6515% | 1,213 |
| Return on Equity (ROE) | 9.3588% | 2,365 |
| Retained earnings to average equity (ytd only) | 9.3588% | 946 |
| Net charge-offs to loans | 0.5657% | 3,056 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 5.2586% | 2,792 |
| Efficiency ratio | 64.6259% | 5,122 |
| Assets per employee ($millions) | 3.5195% | 4,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 5,268 |
| Loan loss allowance to noncurrent loans | 188.8060% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.3461% | 6,518 |
| Noncurrent loans to loans | 0.6592% | 5,887 |
| Net loans and leases to total assets | 51.8559% | 6,119 |
| Net loans and leases to deposits | 60.3935% | 6,278 |
| Net loans and leases to core deposits | 63.3872% | 6,344 |
| Total domestic deposits to total assets | 85.8634% | 3,149 |
| Equity capital to assets | 13.3411% | 1,427 |
| Core capital (leverage) ratio | 13.0356% | 1,212 |
| Tier 1 risk-based capital ratio | 20.5574% | 1,435 |
| Total risk-based capital ratio | 21.5960% | 1,452 |
| Memoranda: | ||
| Average total assets | $37,783,500 | 7,027 |
| Average earning assets | $34,199,250 | 7,022 |
| Average equity | $4,972,000 | 6,758 |
| Average total loans | $20,974,750 | 6,962 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4904% | 2,562 |
| Cost of funding earning assets | 0.6390% | 7,322 |
| Net interest margin | 4.8514% | 599 |
| Noninterest income to average assets | 0.3629% | 5,241 |
| Noninterest expense to average assets | 3.0102% | 3,677 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2916% | 1,328 |
| Return on assets (ROA) | 1.2916% | 1,387 |
| Pretax return on assets | 1.7292% | 1,002 |
| Return on Equity (ROE) | 9.8621% | 2,152 |
| Retained earnings to average equity (ytd only) | 9.8621% | 876 |
| Net charge-offs to loans | 0.0094% | 6,223 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 324.0000% | 103 |
| Efficiency ratio | 63.5135% | 5,430 |
| Assets per employee ($millions) | 3.4559% | 5,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5298% | 3,775 |
| Loan loss allowance to noncurrent loans | 33.7290% | 6,126 |
| Noncurrent assets plus other real estate owned to assets | 2.6595% | 2,708 |
| Noncurrent loans to loans | 4.5355% | 1,605 |
| Net loans and leases to total assets | 57.7404% | 5,456 |
| Net loans and leases to deposits | 67.1110% | 5,670 |
| Net loans and leases to core deposits | 71.0655% | 5,765 |
| Total domestic deposits to total assets | 86.0371% | 3,058 |
| Equity capital to assets | 13.2842% | 1,444 |
| Core capital (leverage) ratio | 12.7038% | 1,324 |
| Tier 1 risk-based capital ratio | 19.1124% | 1,695 |
| Total risk-based capital ratio | 20.3642% | 1,657 |
| Memoranda: | ||
| Average total assets | $37,473,000 | 7,091 |
| Average earning assets | $33,804,670 | 7,085 |
| Average equity | $4,907,670 | 6,809 |
| Average total loans | $21,190,000 | 7,004 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4070% | 3,003 |
| Cost of funding earning assets | 0.6284% | 7,498 |
| Net interest margin | 4.7786% | 678 |
| Noninterest income to average assets | 0.4408% | 4,556 |
| Noninterest expense to average assets | 3.1074% | 3,231 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2365% | 1,439 |
| Return on assets (ROA) | 1.2365% | 1,512 |
| Pretax return on assets | 1.6666% | 1,127 |
| Return on Equity (ROE) | 9.5110% | 2,286 |
| Retained earnings to average equity (ytd only) | 9.5110% | 1,267 |
| Net charge-offs to loans | -0.0194% | 7,070 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0901% | 5,292 |
| Assets per employee ($millions) | 3.4141% | 5,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6298% | 3,327 |
| Loan loss allowance to noncurrent loans | 224.1830% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.4074% | 6,452 |
| Noncurrent loans to loans | 0.7270% | 5,866 |
| Net loans and leases to total assets | 55.1271% | 5,871 |
| Net loans and leases to deposits | 63.7899% | 6,070 |
| Net loans and leases to core deposits | 64.9017% | 6,386 |
| Total domestic deposits to total assets | 86.4199% | 2,935 |
| Equity capital to assets | 13.0209% | 1,520 |
| Core capital (leverage) ratio | 12.9338% | 1,232 |
| Tier 1 risk-based capital ratio | 19.4207% | 1,632 |
| Total risk-based capital ratio | 20.6737% | 1,613 |
| Memoranda: | ||
| Average total assets | $37,202,000 | 7,192 |
| Average earning assets | $33,734,000 | 7,172 |
| Average equity | $4,836,500 | 6,896 |
| Average total loans | $20,639,500 | 7,115 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4975% | 4,154 |
| Cost of funding earning assets | 0.9487% | 7,309 |
| Net interest margin | 4.5489% | 1,078 |
| Noninterest income to average assets | 0.4087% | 5,133 |
| Noninterest expense to average assets | 3.0925% | 3,775 |
| Loan and lease loss provision to assets | 0.1562% | 6,109 |
| Net operating income to assets | 0.9033% | 2,166 |
| Return on assets (ROA) | 0.9033% | 2,233 |
| Pretax return on assets | 1.2417% | 1,847 |
| Return on Equity (ROE) | 7.2725% | 2,679 |
| Retained earnings to average equity (ytd only) | 1.6138% | 3,952 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8696% | 4,851 |
| Assets per employee ($millions) | 3.3499% | 5,375 |
| Cash dividends to net income (ytd only)* | 77.8098% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6903% | 2,924 |
| Loan loss allowance to noncurrent loans | 217.8344% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.4261% | 6,402 |
| Noncurrent loans to loans | 0.7760% | 5,721 |
| Net loans and leases to total assets | 53.9798% | 6,204 |
| Net loans and leases to deposits | 62.3093% | 6,430 |
| Net loans and leases to core deposits | 79.9285% | 6,107 |
| Total domestic deposits to total assets | 86.6319% | 2,687 |
| Equity capital to assets | 12.9800% | 1,516 |
| Core capital (leverage) ratio | 12.0118% | 1,662 |
| Tier 1 risk-based capital ratio | 19.6574% | 1,534 |
| Total risk-based capital ratio | 20.9105% | 1,494 |
| Memoranda: | ||
| Average total assets | $38,415,800 | 7,157 |
| Average earning assets | $34,470,000 | 7,163 |
| Average equity | $4,771,400 | 7,034 |
| Average total loans | $20,038,800 | 7,188 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4698% | 4,579 |
| Cost of funding earning assets | 1.0342% | 7,317 |
| Net interest margin | 4.4356% | 1,349 |
| Noninterest income to average assets | 0.4157% | 5,166 |
| Noninterest expense to average assets | 2.9615% | 4,203 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0341% | 1,955 |
| Return on assets (ROA) | 1.0341% | 2,016 |
| Pretax return on assets | 1.4327% | 1,616 |
| Return on Equity (ROE) | 8.4161% | 2,477 |
| Retained earnings to average equity (ytd only) | 8.4161% | 1,005 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3964% | 5,100 |
| Assets per employee ($millions) | 3.4415% | 5,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 4,727 |
| Loan loss allowance to noncurrent loans | 165.8824% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 6,336 |
| Noncurrent loans to loans | 0.7622% | 5,783 |
| Net loans and leases to total assets | 58.1715% | 5,863 |
| Net loans and leases to deposits | 67.7204% | 6,154 |
| Net loans and leases to core deposits | 89.0317% | 5,526 |
| Total domestic deposits to total assets | 85.8996% | 2,748 |
| Equity capital to assets | 13.3344% | 1,560 |
| Core capital (leverage) ratio | 12.9998% | 1,378 |
| Tier 1 risk-based capital ratio | 18.9904% | 1,749 |
| Total risk-based capital ratio | 20.0871% | 1,745 |
| Memoranda: | ||
| Average total assets | $38,807,500 | 7,206 |
| Average earning assets | $34,808,500 | 7,216 |
| Average equity | $4,768,500 | 7,089 |
| Average total loans | $19,990,250 | 7,257 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3633% | 5,333 |
| Cost of funding earning assets | 1.1505% | 7,244 |
| Net interest margin | 4.2128% | 1,948 |
| Noninterest income to average assets | 0.4038% | 5,251 |
| Noninterest expense to average assets | 2.9291% | 4,387 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8384% | 2,707 |
| Return on assets (ROA) | 0.8384% | 2,803 |
| Pretax return on assets | 1.2371% | 2,200 |
| Return on Equity (ROE) | 7.0155% | 3,197 |
| Retained earnings to average equity (ytd only) | 7.0155% | 1,579 |
| Net charge-offs to loans | -0.0104% | 7,611 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3067% | 4,715 |
| Assets per employee ($millions) | 3.4325% | 4,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 4,122 |
| Loan loss allowance to noncurrent loans | 1,664.7059% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 7,487 |
| Noncurrent loans to loans | 0.0796% | 7,329 |
| Net loans and leases to total assets | 55.7883% | 6,229 |
| Net loans and leases to deposits | 64.1902% | 6,545 |
| Net loans and leases to core deposits | 84.5706% | 6,041 |
| Total domestic deposits to total assets | 86.9110% | 2,302 |
| Equity capital to assets | 12.5990% | 1,880 |
| Core capital (leverage) ratio | 11.9685% | 1,845 |
| Tier 1 risk-based capital ratio | 19.3746% | 1,705 |
| Total risk-based capital ratio | 20.5299% | 1,679 |
| Memoranda: | ||
| Average total assets | $39,124,330 | 7,252 |
| Average earning assets | $34,941,000 | 7,270 |
| Average equity | $4,675,330 | 7,183 |
| Average total loans | $19,219,000 | 7,383 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3584% | 5,625 |
| Cost of funding earning assets | 1.2887% | 7,049 |
| Net interest margin | 4.0696% | 2,407 |
| Noninterest income to average assets | 0.4622% | 4,659 |
| Noninterest expense to average assets | 2.8637% | 4,283 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8842% | 2,769 |
| Return on assets (ROA) | 0.8842% | 2,916 |
| Pretax return on assets | 1.2158% | 2,566 |
| Return on Equity (ROE) | 7.5952% | 3,332 |
| Retained earnings to average equity (ytd only) | 7.5952% | 1,983 |
| Net charge-offs to loans | -0.0220% | 7,462 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1970% | 4,532 |
| Assets per employee ($millions) | 3.6207% | 4,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5401% | 2,766 |
| Loan loss allowance to noncurrent loans | 1,664.7059% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 7,479 |
| Noncurrent loans to loans | 0.0925% | 7,260 |
| Net loans and leases to total assets | 45.4253% | 7,231 |
| Net loans and leases to deposits | 51.6944% | 7,422 |
| Net loans and leases to core deposits | 67.0745% | 7,191 |
| Total domestic deposits to total assets | 87.8729% | 1,809 |
| Equity capital to assets | 11.7631% | 2,402 |
| Core capital (leverage) ratio | 11.6892% | 2,048 |
| Tier 1 risk-based capital ratio | 20.9288% | 1,459 |
| Total risk-based capital ratio | 22.1794% | 1,432 |
| Memoranda: | ||
| Average total assets | $39,808,000 | 7,261 |
| Average earning assets | $35,384,000 | 7,287 |
| Average equity | $4,634,500 | 7,246 |
| Average total loans | $18,155,000 | 7,482 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1196% | 4,941 |
| Cost of funding earning assets | 1.9691% | 6,510 |
| Net interest margin | 4.1505% | 2,500 |
| Noninterest income to average assets | 0.5255% | 4,419 |
| Noninterest expense to average assets | 3.1216% | 3,610 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8363% | 3,280 |
| Return on assets (ROA) | 0.8402% | 3,098 |
| Pretax return on assets | 1.1212% | 2,953 |
| Return on Equity (ROE) | 7.0032% | 3,529 |
| Retained earnings to average equity (ytd only) | 1.1491% | 4,543 |
| Net charge-offs to loans | -0.1218% | 8,116 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6648% | 3,633 |
| Assets per employee ($millions) | 3.6171% | 4,375 |
| Cash dividends to net income (ytd only)* | 83.5913% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 2,355 |
| Loan loss allowance to noncurrent loans | 1,566.6667% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 7,404 |
| Noncurrent loans to loans | 0.1004% | 7,114 |
| Net loans and leases to total assets | 44.3676% | 7,450 |
| Net loans and leases to deposits | 50.2877% | 7,617 |
| Net loans and leases to core deposits | 66.2775% | 7,352 |
| Total domestic deposits to total assets | 88.2276% | 1,369 |
| Equity capital to assets | 11.5211% | 2,625 |
| Core capital (leverage) ratio | 11.1756% | 2,446 |
| Tier 1 risk-based capital ratio | 20.9453% | 1,462 |
| Total risk-based capital ratio | 22.1978% | 1,433 |
| Memoranda: | ||
| Average total assets | $38,442,400 | 7,284 |
| Average earning assets | $34,381,600 | 7,310 |
| Average equity | $4,612,200 | 7,299 |
| Average total loans | $18,880,200 | 7,408 |