Home > The Security State Bank > Performance and Condition Ratios
The Security State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4509% | 369 |
| Cost of funding earning assets | 0.5342% | 4,165 |
| Net interest margin | 5.9167% | 120 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 3.6932% | 469 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 2.0497% | 437 |
| Return on assets (ROA) | 2.0497% | 422 |
| Pretax return on assets | 2.0497% | 624 |
| Return on Equity (ROE) | 16.1200% | 1,075 |
| Retained earnings to average equity (ytd only) | 10.2430% | 951 |
| Net charge-offs to loans | 0.0902% | 974 |
| Credit loss provision to net charge-offs | 140.6250% | 1,522 |
| Earnings coverage of net charge-offs (x) | 37.8438% | 1,480 |
| Efficiency ratio | 63.4360% | 2,678 |
| Assets per employee ($millions) | 4.6159% | 3,886 |
| Cash dividends to net income (ytd only)* | 36.4494% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6229% | 799 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 67.3100% | 2,116 |
| Net loans and leases to deposits | 78.6320% | 2,218 |
| Net loans and leases to core deposits | 82.3162% | 2,565 |
| Total domestic deposits to total assets | 85.6000% | 2,136 |
| Equity capital to assets | 14.2388% | 639 |
| Core capital (leverage) ratio | 15.6783% | 527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3244% | 520 |
| Memoranda: | ||
| Average total assets | $56,887,600 | 4,249 |
| Average earning assets | $51,853,000 | 4,230 |
| Average equity | $7,234,200 | 4,021 |
| Average total loans | $35,493,600 | 4,059 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2689% | 377 |
| Cost of funding earning assets | 0.4795% | 4,164 |
| Net interest margin | 5.7894% | 125 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 3.5369% | 529 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 2.1096% | 431 |
| Return on assets (ROA) | 2.1096% | 423 |
| Pretax return on assets | 2.1096% | 648 |
| Return on Equity (ROE) | 17.0800% | 1,063 |
| Retained earnings to average equity (ytd only) | 9.0697% | 1,663 |
| Net charge-offs to loans | -0.0076% | 3,853 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.8737% | 2,735 |
| Assets per employee ($millions) | 4.6592% | 3,842 |
| Cash dividends to net income (ytd only)* | 46.9095% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7441% | 643 |
| Loan loss allowance to noncurrent loans | 763.8554% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 2,585 |
| Noncurrent loans to loans | 0.2283% | 2,435 |
| Net loans and leases to total assets | 63.8800% | 2,463 |
| Net loans and leases to deposits | 73.6554% | 2,599 |
| Net loans and leases to core deposits | 76.9962% | 2,798 |
| Total domestic deposits to total assets | 86.7300% | 1,971 |
| Equity capital to assets | 12.7991% | 856 |
| Core capital (leverage) ratio | 15.1200% | 606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1640% | 540 |
| Memoranda: | ||
| Average total assets | $57,261,750 | 4,255 |
| Average earning assets | $52,277,750 | 4,241 |
| Average equity | $7,071,000 | 4,040 |
| Average total loans | $34,893,000 | 4,088 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0576% | 417 |
| Cost of funding earning assets | 0.4056% | 4,157 |
| Net interest margin | 5.6520% | 146 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 3.4343% | 578 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 2.1035% | 402 |
| Return on assets (ROA) | 2.1035% | 396 |
| Pretax return on assets | 2.1035% | 623 |
| Return on Equity (ROE) | 17.2400% | 1,051 |
| Retained earnings to average equity (ytd only) | 5.1685% | 2,899 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.4383% | 2,784 |
| Assets per employee ($millions) | 4.7073% | 3,818 |
| Cash dividends to net income (ytd only)* | 70.0165% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7558% | 676 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 61.1200% | 2,656 |
| Net loans and leases to deposits | 70.2636% | 2,760 |
| Net loans and leases to core deposits | 74.3331% | 2,860 |
| Total domestic deposits to total assets | 86.9800% | 1,937 |
| Equity capital to assets | 12.7109% | 885 |
| Core capital (leverage) ratio | 14.5105% | 670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1286% | 546 |
| Memoranda: | ||
| Average total assets | $57,712,333 | 4,271 |
| Average earning assets | $52,760,333 | 4,259 |
| Average equity | $7,042,667 | 4,073 |
| Average total loans | $34,407,000 | 4,107 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7749% | 430 |
| Cost of funding earning assets | 0.3375% | 4,113 |
| Net interest margin | 5.4374% | 160 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 3.3879% | 611 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.9134% | 560 |
| Return on assets (ROA) | 1.9134% | 553 |
| Pretax return on assets | 1.9134% | 894 |
| Return on Equity (ROE) | 16.0000% | 1,355 |
| Retained earnings to average equity (ytd only) | -8.3740% | 4,442 |
| Net charge-offs to loans | 0.0235% | 1,211 |
| Credit loss provision to net charge-offs | 350.0000% | 642 |
| Earnings coverage of net charge-offs (x) | 143.0000% | 626 |
| Efficiency ratio | 63.3333% | 2,533 |
| Assets per employee ($millions) | 5.1695% | 3,519 |
| Cash dividends to net income (ytd only)* | 152.3297% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7638% | 699 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 59.4500% | 2,722 |
| Net loans and leases to deposits | 67.9852% | 2,766 |
| Net loans and leases to core deposits | 71.3303% | 2,863 |
| Total domestic deposits to total assets | 87.4500% | 2,113 |
| Equity capital to assets | 12.3663% | 904 |
| Core capital (leverage) ratio | 13.3373% | 874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6294% | 599 |
| Memoranda: | ||
| Average total assets | $58,325,000 | 4,328 |
| Average earning assets | $53,334,000 | 4,311 |
| Average equity | $6,974,000 | 4,130 |
| Average total loans | $34,040,000 | 4,169 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7367% | 481 |
| Cost of funding earning assets | 0.1948% | 3,801 |
| Net interest margin | 4.5419% | 272 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 3.2466% | 677 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2015% | 1,761 |
| Return on assets (ROA) | 1.2015% | 1,701 |
| Pretax return on assets | 1.2015% | 2,430 |
| Return on Equity (ROE) | 9.7200% | 2,896 |
| Retained earnings to average equity (ytd only) | 0.9090% | 4,219 |
| Net charge-offs to loans | -0.0167% | 3,998 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.2030% | 1,417 |
| Assets per employee ($millions) | 4.9822% | 3,696 |
| Cash dividends to net income (ytd only)* | 90.6475% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8624% | 581 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 55.2600% | 3,096 |
| Net loans and leases to deposits | 62.5596% | 3,150 |
| Net loans and leases to core deposits | 65.3035% | 3,180 |
| Total domestic deposits to total assets | 88.3400% | 1,951 |
| Equity capital to assets | 11.5679% | 1,063 |
| Core capital (leverage) ratio | 13.5268% | 807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0887% | 541 |
| Memoranda: | ||
| Average total assets | $57,845,400 | 4,357 |
| Average earning assets | $52,356,600 | 4,348 |
| Average equity | $7,150,800 | 4,191 |
| Average total loans | $29,950,800 | 4,243 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5226% | 480 |
| Cost of funding earning assets | 0.1880% | 3,418 |
| Net interest margin | 4.3346% | 316 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 3.0938% | 795 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.1088% | 2,053 |
| Return on assets (ROA) | 1.1088% | 2,024 |
| Pretax return on assets | 1.1088% | 2,693 |
| Return on Equity (ROE) | 8.8200% | 3,088 |
| Retained earnings to average equity (ytd only) | -2.8295% | 4,529 |
| Net charge-offs to loans | -0.0046% | 3,462 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.8118% | 1,407 |
| Assets per employee ($millions) | 5.2803% | 3,438 |
| Cash dividends to net income (ytd only)* | 132.0755% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9095% | 589 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 54.3900% | 3,063 |
| Net loans and leases to deposits | 61.6321% | 3,050 |
| Net loans and leases to core deposits | 64.4156% | 3,078 |
| Total domestic deposits to total assets | 88.2500% | 2,341 |
| Equity capital to assets | 11.3975% | 1,040 |
| Core capital (leverage) ratio | 13.5913% | 758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2770% | 542 |
| Memoranda: | ||
| Average total assets | $57,360,250 | 4,400 |
| Average earning assets | $51,768,750 | 4,389 |
| Average equity | $7,209,500 | 4,227 |
| Average total loans | $29,022,000 | 4,287 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2670% | 545 |
| Cost of funding earning assets | 0.1823% | 3,152 |
| Net interest margin | 4.0847% | 412 |
| Noninterest income to average assets | 0.2941% | 3,405 |
| Noninterest expense to average assets | 3.0533% | 786 |
| Loan and lease loss provision to assets | 0.0455% | 1,759 |
| Net operating income to assets | 0.8824% | 2,660 |
| Return on assets (ROA) | 0.8824% | 2,633 |
| Pretax return on assets | 0.8824% | 3,111 |
| Return on Equity (ROE) | 6.8053% | 3,360 |
| Retained earnings to average equity (ytd only) | -10.2079% | 4,663 |
| Net charge-offs to loans | -0.0858% | 4,398 |
| Credit loss provision to net charge-offs | -108.3333% | 3,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6931% | 1,204 |
| Assets per employee ($millions) | 5.1752% | 3,532 |
| Cash dividends to net income (ytd only)* | 250.0000% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1291% | 421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 49.9833% | 3,381 |
| Net loans and leases to deposits | 56.9627% | 3,305 |
| Net loans and leases to core deposits | 59.1670% | 3,334 |
| Total domestic deposits to total assets | 87.7475% | 2,676 |
| Equity capital to assets | 11.9697% | 888 |
| Core capital (leverage) ratio | 13.3256% | 744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5814% | 442 |
| Memoranda: | ||
| Average total assets | $57,119,333 | 4,447 |
| Average earning assets | $51,558,667 | 4,445 |
| Average equity | $7,406,000 | 4,264 |
| Average total loans | $27,960,333 | 4,358 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0866% | 653 |
| Cost of funding earning assets | 0.1787% | 3,101 |
| Net interest margin | 3.9079% | 492 |
| Noninterest income to average assets | 0.2936% | 3,364 |
| Noninterest expense to average assets | 2.9922% | 831 |
| Loan and lease loss provision to assets | 0.0350% | 1,736 |
| Net operating income to assets | 0.7830% | 2,716 |
| Return on assets (ROA) | 0.7830% | 2,712 |
| Pretax return on assets | 0.7830% | 3,160 |
| Return on Equity (ROE) | 5.8167% | 3,396 |
| Retained earnings to average equity (ytd only) | -26.9021% | 4,738 |
| Net charge-offs to loans | -0.0584% | 4,311 |
| Credit loss provision to net charge-offs | -125.0000% | 2,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5321% | 1,269 |
| Assets per employee ($millions) | 5.3452% | 3,452 |
| Cash dividends to net income (ytd only)* | 562.5000% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1407% | 492 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 46.8816% | 3,497 |
| Net loans and leases to deposits | 53.5326% | 3,456 |
| Net loans and leases to core deposits | 55.5365% | 3,487 |
| Total domestic deposits to total assets | 87.5759% | 2,713 |
| Equity capital to assets | 12.1962% | 887 |
| Core capital (leverage) ratio | 13.3025% | 708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9778% | 434 |
| Memoranda: | ||
| Average total assets | $57,215,500 | 4,468 |
| Average earning assets | $51,485,500 | 4,468 |
| Average equity | $7,702,000 | 4,294 |
| Average total loans | $27,404,000 | 4,381 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0710% | 79 |
| Cost of funding earning assets | 0.1840% | 3,606 |
| Net interest margin | 5.8869% | 55 |
| Noninterest income to average assets | 0.0163% | 4,775 |
| Noninterest expense to average assets | 3.4873% | 482 |
| Loan and lease loss provision to assets | 0.0999% | 1,251 |
| Net operating income to assets | 1.8327% | 471 |
| Return on assets (ROA) | 1.8327% | 492 |
| Pretax return on assets | 1.8327% | 848 |
| Return on Equity (ROE) | 12.7605% | 1,541 |
| Retained earnings to average equity (ytd only) | 9.4724% | 1,055 |
| Net charge-offs to loans | -0.0111% | 3,778 |
| Credit loss provision to net charge-offs | -1,833.3333% | 4,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3432% | 2,507 |
| Assets per employee ($millions) | 5.0576% | 3,684 |
| Cash dividends to net income (ytd only)* | 25.7681% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2297% | 430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 46.8167% | 3,621 |
| Net loans and leases to deposits | 55.1203% | 3,504 |
| Net loans and leases to core deposits | 57.3738% | 3,524 |
| Total domestic deposits to total assets | 84.9355% | 3,293 |
| Equity capital to assets | 14.7985% | 520 |
| Core capital (leverage) ratio | 14.4601% | 547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6497% | 326 |
| Memoranda: | ||
| Average total assets | $55,056,200 | 4,507 |
| Average earning assets | $50,535,600 | 4,500 |
| Average equity | $7,907,200 | 4,336 |
| Average total loans | $26,978,000 | 4,436 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4246% | 163 |
| Cost of funding earning assets | 0.1814% | 3,804 |
| Net interest margin | 5.2431% | 113 |
| Noninterest income to average assets | 0.2938% | 3,687 |
| Noninterest expense to average assets | 3.1662% | 753 |
| Loan and lease loss provision to assets | 0.0565% | 1,852 |
| Net operating income to assets | 1.9133% | 543 |
| Return on assets (ROA) | 1.9133% | 565 |
| Pretax return on assets | 1.9133% | 925 |
| Return on Equity (ROE) | 13.4254% | 1,567 |
| Retained earnings to average equity (ytd only) | 8.9957% | 1,694 |
| Net charge-offs to loans | -0.0690% | 4,481 |
| Credit loss provision to net charge-offs | -164.2857% | 3,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6548% | 2,748 |
| Assets per employee ($millions) | 5.0253% | 3,676 |
| Cash dividends to net income (ytd only)* | 32.9949% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2146% | 447 |
| Loan loss allowance to noncurrent loans | 1,364.2857% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.0760% | 3,599 |
| Noncurrent loans to loans | 0.1623% | 3,309 |
| Net loans and leases to total assets | 45.7705% | 3,812 |
| Net loans and leases to deposits | 54.5151% | 3,694 |
| Net loans and leases to core deposits | 56.7834% | 3,717 |
| Total domestic deposits to total assets | 83.9593% | 3,465 |
| Equity capital to assets | 14.7129% | 594 |
| Core capital (leverage) ratio | 14.4305% | 568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9789% | 303 |
| Memoranda: | ||
| Average total assets | $54,911,750 | 4,571 |
| Average earning assets | $50,706,250 | 4,561 |
| Average equity | $7,825,750 | 4,409 |
| Average total loans | $27,062,500 | 4,493 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1436% | 279 |
| Cost of funding earning assets | 0.1801% | 3,945 |
| Net interest margin | 4.9635% | 173 |
| Noninterest income to average assets | 0.2884% | 3,695 |
| Noninterest expense to average assets | 3.0553% | 902 |
| Loan and lease loss provision to assets | 0.0548% | 1,939 |
| Net operating income to assets | 1.8069% | 701 |
| Return on assets (ROA) | 1.8069% | 737 |
| Pretax return on assets | 1.8069% | 1,216 |
| Return on Equity (ROE) | 12.8183% | 1,780 |
| Retained earnings to average equity (ytd only) | 6.0855% | 2,765 |
| Net charge-offs to loans | -0.0656% | 4,470 |
| Credit loss provision to net charge-offs | -166.6667% | 3,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1381% | 2,711 |
| Assets per employee ($millions) | 4.9896% | 3,666 |
| Cash dividends to net income (ytd only)* | 52.5253% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7210% | 1,019 |
| Loan loss allowance to noncurrent loans | 3,500.0000% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 4,066 |
| Noncurrent loans to loans | 0.0492% | 3,932 |
| Net loans and leases to total assets | 58.2662% | 2,639 |
| Net loans and leases to deposits | 69.2778% | 2,488 |
| Net loans and leases to core deposits | 72.2532% | 2,585 |
| Total domestic deposits to total assets | 84.1052% | 3,398 |
| Equity capital to assets | 14.2987% | 661 |
| Core capital (leverage) ratio | 13.5375% | 704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5452% | 282 |
| Memoranda: | ||
| Average total assets | $54,789,667 | 4,600 |
| Average earning assets | $51,093,000 | 4,586 |
| Average equity | $7,723,333 | 4,446 |
| Average total loans | $27,458,667 | 4,519 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5277% | 745 |
| Cost of funding earning assets | 0.1711% | 4,154 |
| Net interest margin | 4.3565% | 467 |
| Noninterest income to average assets | 0.2923% | 3,662 |
| Noninterest expense to average assets | 2.9009% | 1,154 |
| Loan and lease loss provision to assets | 0.0585% | 1,954 |
| Net operating income to assets | 1.4249% | 1,512 |
| Return on assets (ROA) | 1.4249% | 1,583 |
| Pretax return on assets | 1.4249% | 2,212 |
| Return on Equity (ROE) | 10.1814% | 2,635 |
| Retained earnings to average equity (ytd only) | -3.3938% | 4,621 |
| Net charge-offs to loans | -0.0803% | 4,570 |
| Credit loss provision to net charge-offs | -160.0000% | 2,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1667% | 2,205 |
| Assets per employee ($millions) | 5.2350% | 3,392 |
| Cash dividends to net income (ytd only)* | 133.3333% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0131% | 588 |
| Loan loss allowance to noncurrent loans | 3,229.4118% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 4,150 |
| Noncurrent loans to loans | 0.0623% | 3,975 |
| Net loans and leases to total assets | 46.4044% | 3,931 |
| Net loans and leases to deposits | 53.5307% | 3,971 |
| Net loans and leases to core deposits | 54.4026% | 4,076 |
| Total domestic deposits to total assets | 86.6875% | 2,449 |
| Equity capital to assets | 13.1006% | 884 |
| Core capital (leverage) ratio | 14.6232% | 542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0356% | 254 |
| Memoranda: | ||
| Average total assets | $54,741,500 | 4,619 |
| Average earning assets | $51,417,000 | 4,598 |
| Average equity | $7,661,000 | 4,466 |
| Average total loans | $24,918,000 | 4,595 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2846% | 1,912 |
| Cost of funding earning assets | 0.2221% | 4,499 |
| Net interest margin | 4.0625% | 851 |
| Noninterest income to average assets | 0.3711% | 3,262 |
| Noninterest expense to average assets | 3.3000% | 908 |
| Loan and lease loss provision to assets | 0.0459% | 3,825 |
| Net operating income to assets | 0.8756% | 2,806 |
| Return on assets (ROA) | 0.8776% | 2,934 |
| Pretax return on assets | 0.8776% | 3,433 |
| Return on Equity (ROE) | 5.5271% | 3,734 |
| Retained earnings to average equity (ytd only) | -0.3807% | 4,576 |
| Net charge-offs to loans | -0.0048% | 4,116 |
| Credit loss provision to net charge-offs | -2,200.0000% | 4,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1728% | 1,019 |
| Assets per employee ($millions) | 5.1898% | 3,179 |
| Cash dividends to net income (ytd only)* | 106.8884% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3754% | 309 |
| Loan loss allowance to noncurrent loans | 2,977.7778% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 4,184 |
| Noncurrent loans to loans | 0.0798% | 3,968 |
| Net loans and leases to total assets | 42.4467% | 4,325 |
| Net loans and leases to deposits | 49.9535% | 4,318 |
| Net loans and leases to core deposits | 49.9535% | 4,423 |
| Total domestic deposits to total assets | 84.9724% | 2,773 |
| Equity capital to assets | 14.9871% | 575 |
| Core capital (leverage) ratio | 14.9996% | 507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4972% | 239 |
| Memoranda: | ||
| Average total assets | $47,969,800 | 4,679 |
| Average earning assets | $45,464,800 | 4,659 |
| Average equity | $7,617,000 | 4,465 |
| Average total loans | $21,024,600 | 4,692 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4853% | 1,609 |
| Cost of funding earning assets | 0.2301% | 4,570 |
| Net interest margin | 4.2552% | 644 |
| Noninterest income to average assets | 0.3746% | 3,208 |
| Noninterest expense to average assets | 3.3398% | 854 |
| Loan and lease loss provision to assets | 0.0575% | 3,635 |
| Net operating income to assets | 1.0187% | 2,267 |
| Return on assets (ROA) | 1.0215% | 2,383 |
| Pretax return on assets | 1.0215% | 2,988 |
| Return on Equity (ROE) | 6.3350% | 3,435 |
| Retained earnings to average equity (ytd only) | -1.5838% | 4,671 |
| Net charge-offs to loans | 0.0129% | 2,642 |
| Credit loss provision to net charge-offs | 1,000.0000% | 820 |
| Earnings coverage of net charge-offs (x) | 189.5000% | 510 |
| Efficiency ratio | 75.6427% | 1,238 |
| Assets per employee ($millions) | 4.3855% | 3,966 |
| Cash dividends to net income (ytd only)* | 125.0000% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3508% | 283 |
| Loan loss allowance to noncurrent loans | 2,794.7368% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 4,256 |
| Noncurrent loans to loans | 0.0841% | 4,031 |
| Net loans and leases to total assets | 45.7235% | 4,327 |
| Net loans and leases to deposits | 54.6317% | 4,314 |
| Net loans and leases to core deposits | 54.6317% | 4,427 |
| Total domestic deposits to total assets | 83.6940% | 2,930 |
| Equity capital to assets | 16.0738% | 461 |
| Core capital (leverage) ratio | 15.3327% | 488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0315% | 224 |
| Memoranda: | ||
| Average total assets | $46,987,750 | 4,712 |
| Average earning assets | $44,618,750 | 4,688 |
| Average equity | $7,576,750 | 4,487 |
| Average total loans | $20,639,500 | 4,730 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7300% | 1,332 |
| Cost of funding earning assets | 0.2347% | 4,671 |
| Net interest margin | 4.4953% | 509 |
| Noninterest income to average assets | 0.3822% | 3,192 |
| Noninterest expense to average assets | 3.3584% | 910 |
| Loan and lease loss provision to assets | 0.0644% | 3,489 |
| Net operating income to assets | 1.2368% | 1,524 |
| Return on assets (ROA) | 1.2411% | 1,634 |
| Pretax return on assets | 1.2411% | 2,214 |
| Return on Equity (ROE) | 7.6886% | 2,864 |
| Retained earnings to average equity (ytd only) | -4.2832% | 4,742 |
| Net charge-offs to loans | 0.0400% | 1,946 |
| Credit loss provision to net charge-offs | 375.0000% | 1,459 |
| Earnings coverage of net charge-offs (x) | 75.7500% | 836 |
| Efficiency ratio | 72.0737% | 1,673 |
| Assets per employee ($millions) | 3.9911% | 4,322 |
| Cash dividends to net income (ytd only)* | 155.7093% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3640% | 262 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 45.1882% | 4,395 |
| Net loans and leases to deposits | 53.9203% | 4,382 |
| Net loans and leases to core deposits | 53.9203% | 4,501 |
| Total domestic deposits to total assets | 83.8056% | 2,815 |
| Equity capital to assets | 16.0399% | 469 |
| Core capital (leverage) ratio | 15.4797% | 500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1299% | 261 |
| Memoranda: | ||
| Average total assets | $46,570,333 | 4,739 |
| Average earning assets | $44,313,000 | 4,713 |
| Average equity | $7,517,667 | 4,517 |
| Average total loans | $19,990,000 | 4,772 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6158% | 1,955 |
| Cost of funding earning assets | 0.2559% | 4,758 |
| Net interest margin | 4.3599% | 680 |
| Noninterest income to average assets | 0.4444% | 2,821 |
| Noninterest expense to average assets | 3.3980% | 1,070 |
| Loan and lease loss provision to assets | 0.0610% | 3,010 |
| Net operating income to assets | 1.1414% | 1,718 |
| Return on assets (ROA) | 1.1501% | 1,794 |
| Pretax return on assets | 1.1501% | 2,360 |
| Return on Equity (ROE) | 7.1011% | 2,902 |
| Retained earnings to average equity (ytd only) | -17.1071% | 4,927 |
| Net charge-offs to loans | 0.0212% | 1,944 |
| Credit loss provision to net charge-offs | 700.0000% | 723 |
| Earnings coverage of net charge-offs (x) | 138.0000% | 459 |
| Efficiency ratio | 73.8636% | 1,839 |
| Assets per employee ($millions) | 3.7805% | 4,195 |
| Cash dividends to net income (ytd only)* | 340.9091% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7571% | 186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 40.3496% | 4,652 |
| Net loans and leases to deposits | 48.2180% | 4,653 |
| Net loans and leases to core deposits | 48.2180% | 4,721 |
| Total domestic deposits to total assets | 83.6816% | 2,894 |
| Equity capital to assets | 16.2280% | 541 |
| Core capital (leverage) ratio | 15.8774% | 533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4919% | 223 |
| Memoranda: | ||
| Average total assets | $45,909,000 | 4,770 |
| Average earning assets | $43,762,500 | 4,746 |
| Average equity | $7,435,500 | 4,557 |
| Average total loans | $18,902,000 | 4,831 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8302% | 1,950 |
| Cost of funding earning assets | 0.2516% | 4,847 |
| Net interest margin | 4.5786% | 599 |
| Noninterest income to average assets | 0.4855% | 2,827 |
| Noninterest expense to average assets | 3.2291% | 1,448 |
| Loan and lease loss provision to assets | 0.0594% | 2,849 |
| Net operating income to assets | 1.5562% | 928 |
| Return on assets (ROA) | 1.5732% | 948 |
| Pretax return on assets | 1.5732% | 1,575 |
| Return on Equity (ROE) | 10.4431% | 2,107 |
| Retained earnings to average equity (ytd only) | 4.4615% | 2,726 |
| Net charge-offs to loans | -0.0586% | 4,850 |
| Credit loss provision to net charge-offs | -233.3333% | 4,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6521% | 2,672 |
| Assets per employee ($millions) | 3.8710% | 4,059 |
| Cash dividends to net income (ytd only)* | 57.2776% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7028% | 170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 39.7550% | 4,740 |
| Net loans and leases to deposits | 47.4645% | 4,754 |
| Net loans and leases to core deposits | 47.4645% | 4,805 |
| Total domestic deposits to total assets | 83.7574% | 2,930 |
| Equity capital to assets | 16.1651% | 575 |
| Core capital (leverage) ratio | 16.0085% | 522 |
| Tier 1 risk-based capital ratio | 33.1159% | 380 |
| Total risk-based capital ratio | 34.3799% | 375 |
| Memoranda: | ||
| Average total assets | $47,164,800 | 4,797 |
| Average earning assets | $44,905,000 | 4,768 |
| Average equity | $7,105,200 | 4,625 |
| Average total loans | $20,480,200 | 4,854 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8957% | 1,830 |
| Cost of funding earning assets | 0.2485% | 4,926 |
| Net interest margin | 4.6473% | 554 |
| Noninterest income to average assets | 0.4929% | 2,778 |
| Noninterest expense to average assets | 3.1317% | 1,633 |
| Loan and lease loss provision to assets | 0.0648% | 2,597 |
| Net operating income to assets | 1.7207% | 716 |
| Return on assets (ROA) | 1.7433% | 722 |
| Pretax return on assets | 1.7433% | 1,213 |
| Return on Equity (ROE) | 11.7830% | 1,693 |
| Retained earnings to average equity (ytd only) | 3.6929% | 3,552 |
| Net charge-offs to loans | -0.0575% | 4,869 |
| Credit loss provision to net charge-offs | -255.5556% | 4,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6884% | 3,065 |
| Assets per employee ($millions) | 3.8883% | 4,043 |
| Cash dividends to net income (ytd only)* | 68.6590% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5330% | 211 |
| Loan loss allowance to noncurrent loans | 615.8537% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.1757% | 3,872 |
| Noncurrent loans to loans | 0.4113% | 3,075 |
| Net loans and leases to total assets | 41.6459% | 4,758 |
| Net loans and leases to deposits | 49.7198% | 4,780 |
| Net loans and leases to core deposits | 49.7198% | 4,844 |
| Total domestic deposits to total assets | 83.7613% | 2,910 |
| Equity capital to assets | 15.9451% | 641 |
| Core capital (leverage) ratio | 15.7988% | 583 |
| Tier 1 risk-based capital ratio | 31.0181% | 453 |
| Total risk-based capital ratio | 32.2778% | 447 |
| Memoranda: | ||
| Average total assets | $47,343,000 | 4,860 |
| Average earning assets | $45,072,000 | 4,835 |
| Average equity | $7,004,250 | 4,698 |
| Average total loans | $20,855,250 | 4,916 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8573% | 1,885 |
| Cost of funding earning assets | 0.2420% | 4,976 |
| Net interest margin | 4.6153% | 601 |
| Noninterest income to average assets | 0.4919% | 2,719 |
| Noninterest expense to average assets | 3.1238% | 1,671 |
| Loan and lease loss provision to assets | 0.0631% | 2,562 |
| Net operating income to assets | 1.7153% | 707 |
| Return on assets (ROA) | 1.7111% | 740 |
| Pretax return on assets | 1.7111% | 1,249 |
| Return on Equity (ROE) | 11.8676% | 1,629 |
| Retained earnings to average equity (ytd only) | -0.5249% | 4,768 |
| Net charge-offs to loans | -0.0473% | 4,817 |
| Credit loss provision to net charge-offs | -300.0000% | 4,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7221% | 3,174 |
| Assets per employee ($millions) | 4.2713% | 3,480 |
| Cash dividends to net income (ytd only)* | 104.4226% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4644% | 232 |
| Loan loss allowance to noncurrent loans | 24,650.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 4,794 |
| Noncurrent loans to loans | 0.0100% | 4,677 |
| Net loans and leases to total assets | 41.5290% | 4,797 |
| Net loans and leases to deposits | 49.1053% | 4,828 |
| Net loans and leases to core deposits | 49.1053% | 4,882 |
| Total domestic deposits to total assets | 84.5713% | 2,658 |
| Equity capital to assets | 15.2265% | 763 |
| Core capital (leverage) ratio | 14.8496% | 739 |
| Tier 1 risk-based capital ratio | 30.2462% | 474 |
| Total risk-based capital ratio | 31.5071% | 468 |
| Memoranda: | ||
| Average total assets | $47,570,670 | 4,898 |
| Average earning assets | $45,457,670 | 4,862 |
| Average equity | $6,859,000 | 4,745 |
| Average total loans | $21,161,330 | 4,951 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7975% | 1,908 |
| Cost of funding earning assets | 0.2368% | 5,019 |
| Net interest margin | 4.5607% | 663 |
| Noninterest income to average assets | 0.5181% | 2,446 |
| Noninterest expense to average assets | 3.0754% | 1,791 |
| Loan and lease loss provision to assets | 0.0585% | 2,481 |
| Net operating income to assets | 1.7299% | 693 |
| Return on assets (ROA) | 1.7299% | 718 |
| Pretax return on assets | 1.7299% | 1,143 |
| Return on Equity (ROE) | 12.3370% | 1,433 |
| Retained earnings to average equity (ytd only) | -12.9926% | 5,173 |
| Net charge-offs to loans | -0.0184% | 4,461 |
| Credit loss provision to net charge-offs | -700.0000% | 3,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2302% | 3,354 |
| Assets per employee ($millions) | 3.9657% | 3,975 |
| Cash dividends to net income (ytd only)* | 205.3140% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3233% | 293 |
| Loan loss allowance to noncurrent loans | 12,025.0000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 4,836 |
| Noncurrent loans to loans | 0.0193% | 4,694 |
| Net loans and leases to total assets | 42.4939% | 4,813 |
| Net loans and leases to deposits | 49.5856% | 4,828 |
| Net loans and leases to core deposits | 49.5856% | 4,903 |
| Total domestic deposits to total assets | 85.6981% | 2,408 |
| Equity capital to assets | 14.1716% | 980 |
| Core capital (leverage) ratio | 14.9466% | 710 |
| Tier 1 risk-based capital ratio | 27.9956% | 559 |
| Total risk-based capital ratio | 29.2545% | 543 |
| Memoranda: | ||
| Average total assets | $47,864,000 | 4,940 |
| Average earning assets | $45,607,000 | 4,907 |
| Average equity | $6,711,500 | 4,798 |
| Average total loans | $21,739,500 | 5,002 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7302% | 1,730 |
| Cost of funding earning assets | 0.2503% | 4,806 |
| Net interest margin | 4.4799% | 793 |
| Noninterest income to average assets | 0.4837% | 2,921 |
| Noninterest expense to average assets | 3.1441% | 1,688 |
| Loan and lease loss provision to assets | 0.0636% | 2,888 |
| Net operating income to assets | 1.4914% | 1,144 |
| Return on assets (ROA) | 1.4872% | 1,141 |
| Pretax return on assets | 1.4872% | 1,821 |
| Return on Equity (ROE) | 10.9603% | 2,099 |
| Retained earnings to average equity (ytd only) | 4.3935% | 3,123 |
| Net charge-offs to loans | 0.1177% | 1,569 |
| Credit loss provision to net charge-offs | 111.1111% | 2,323 |
| Earnings coverage of net charge-offs (x) | 27.1481% | 1,700 |
| Efficiency ratio | 66.9074% | 2,727 |
| Assets per employee ($millions) | 4.0117% | 3,879 |
| Cash dividends to net income (ytd only)* | 59.9144% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0767% | 415 |
| Loan loss allowance to noncurrent loans | 9,460.0000% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.1662% | 3,992 |
| Noncurrent loans to loans | 0.0220% | 4,686 |
| Net loans and leases to total assets | 46.3295% | 4,722 |
| Net loans and leases to deposits | 53.8694% | 4,757 |
| Net loans and leases to core deposits | 53.8694% | 4,850 |
| Total domestic deposits to total assets | 86.0033% | 2,226 |
| Equity capital to assets | 13.8741% | 1,009 |
| Core capital (leverage) ratio | 15.2245% | 641 |
| Tier 1 risk-based capital ratio | 27.5507% | 589 |
| Total risk-based capital ratio | 28.8100% | 581 |
| Memoranda: | ||
| Average total assets | $47,136,000 | 4,990 |
| Average earning assets | $44,353,200 | 4,971 |
| Average equity | $6,395,800 | 4,841 |
| Average total loans | $22,934,000 | 5,004 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7439% | 1,564 |
| Cost of funding earning assets | 0.2550% | 4,759 |
| Net interest margin | 4.4889% | 760 |
| Noninterest income to average assets | 0.4920% | 2,918 |
| Noninterest expense to average assets | 3.1054% | 1,757 |
| Loan and lease loss provision to assets | 0.0626% | 2,722 |
| Net operating income to assets | 1.5300% | 1,122 |
| Return on assets (ROA) | 1.5300% | 1,123 |
| Pretax return on assets | 1.5300% | 1,806 |
| Return on Equity (ROE) | 11.3410% | 2,039 |
| Retained earnings to average equity (ytd only) | 2.4874% | 4,403 |
| Net charge-offs to loans | 0.1799% | 929 |
| Credit loss provision to net charge-offs | 70.9677% | 2,628 |
| Earnings coverage of net charge-offs (x) | 18.0656% | 2,070 |
| Efficiency ratio | 66.1017% | 2,856 |
| Assets per employee ($millions) | 3.7906% | 4,184 |
| Cash dividends to net income (ytd only)* | 78.0670% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9827% | 501 |
| Loan loss allowance to noncurrent loans | 5,762.5000% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.1825% | 4,028 |
| Noncurrent loans to loans | 0.0344% | 4,740 |
| Net loans and leases to total assets | 50.1022% | 4,590 |
| Net loans and leases to deposits | 58.4614% | 4,625 |
| Net loans and leases to core deposits | 58.4614% | 4,758 |
| Total domestic deposits to total assets | 85.7014% | 2,329 |
| Equity capital to assets | 13.9556% | 971 |
| Core capital (leverage) ratio | 14.9785% | 710 |
| Tier 1 risk-based capital ratio | 25.8936% | 687 |
| Total risk-based capital ratio | 27.1503% | 676 |
| Memoranda: | ||
| Average total assets | $46,885,000 | 5,050 |
| Average earning assets | $43,929,000 | 5,029 |
| Average equity | $6,325,000 | 4,901 |
| Average total loans | $22,973,500 | 5,061 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6376% | 1,669 |
| Cost of funding earning assets | 0.2629% | 4,677 |
| Net interest margin | 4.3747% | 895 |
| Noninterest income to average assets | 0.5026% | 2,846 |
| Noninterest expense to average assets | 3.0707% | 1,859 |
| Loan and lease loss provision to assets | 0.0634% | 2,637 |
| Net operating income to assets | 1.4445% | 1,298 |
| Return on assets (ROA) | 1.4445% | 1,301 |
| Pretax return on assets | 1.4445% | 2,005 |
| Return on Equity (ROE) | 10.8274% | 2,185 |
| Retained earnings to average equity (ytd only) | -2.4694% | 5,184 |
| Net charge-offs to loans | -0.0262% | 4,689 |
| Credit loss provision to net charge-offs | -500.0000% | 4,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0664% | 2,809 |
| Assets per employee ($millions) | 3.9198% | 4,027 |
| Cash dividends to net income (ytd only)* | 122.8070% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0907% | 447 |
| Loan loss allowance to noncurrent loans | 6,100.0000% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 4,950 |
| Noncurrent loans to loans | 0.0343% | 4,762 |
| Net loans and leases to total assets | 48.5841% | 4,683 |
| Net loans and leases to deposits | 56.1664% | 4,745 |
| Net loans and leases to core deposits | 56.1664% | 4,859 |
| Total domestic deposits to total assets | 86.5003% | 2,054 |
| Equity capital to assets | 13.2510% | 1,208 |
| Core capital (leverage) ratio | 14.1225% | 875 |
| Tier 1 risk-based capital ratio | 24.6871% | 762 |
| Total risk-based capital ratio | 25.9425% | 738 |
| Memoranda: | ||
| Average total assets | $47,351,000 | 5,102 |
| Average earning assets | $44,117,330 | 5,088 |
| Average equity | $6,317,330 | 4,953 |
| Average total loans | $22,881,000 | 5,128 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4795% | 1,931 |
| Cost of funding earning assets | 0.2534% | 4,689 |
| Net interest margin | 4.2261% | 1,108 |
| Noninterest income to average assets | 0.5557% | 2,493 |
| Noninterest expense to average assets | 3.0816% | 1,874 |
| Loan and lease loss provision to assets | 0.0674% | 2,415 |
| Net operating income to assets | 1.3387% | 1,514 |
| Return on assets (ROA) | 1.3387% | 1,529 |
| Pretax return on assets | 1.3387% | 2,223 |
| Return on Equity (ROE) | 10.0008% | 2,426 |
| Retained earnings to average equity (ytd only) | -16.4164% | 5,472 |
| Net charge-offs to loans | -0.0353% | 4,815 |
| Credit loss provision to net charge-offs | -400.0000% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6679% | 2,724 |
| Assets per employee ($millions) | 3.9103% | 4,137 |
| Cash dividends to net income (ytd only)* | 264.1509% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0222% | 520 |
| Loan loss allowance to noncurrent loans | 4,800.0000% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 5,008 |
| Noncurrent loans to loans | 0.0421% | 4,785 |
| Net loans and leases to total assets | 49.5642% | 4,592 |
| Net loans and leases to deposits | 57.1130% | 4,638 |
| Net loans and leases to core deposits | 57.1130% | 4,791 |
| Total domestic deposits to total assets | 86.7826% | 2,211 |
| Equity capital to assets | 13.0341% | 1,227 |
| Core capital (leverage) ratio | 14.3225% | 802 |
| Tier 1 risk-based capital ratio | 23.8214% | 852 |
| Total risk-based capital ratio | 25.0778% | 834 |
| Memoranda: | ||
| Average total assets | $47,507,500 | 5,154 |
| Average earning assets | $44,201,500 | 5,149 |
| Average equity | $6,359,500 | 5,005 |
| Average total loans | $22,651,000 | 5,189 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4857% | 1,761 |
| Cost of funding earning assets | 0.2453% | 4,609 |
| Net interest margin | 4.2405% | 1,101 |
| Noninterest income to average assets | 0.5427% | 2,759 |
| Noninterest expense to average assets | 3.0743% | 1,938 |
| Loan and lease loss provision to assets | 0.0641% | 2,939 |
| Net operating income to assets | 1.3566% | 1,105 |
| Return on assets (ROA) | 1.3630% | 1,112 |
| Pretax return on assets | 1.3630% | 2,116 |
| Return on Equity (ROE) | 9.9001% | 1,930 |
| Retained earnings to average equity (ytd only) | 4.0035% | 2,796 |
| Net charge-offs to loans | 0.7126% | 297 |
| Credit loss provision to net charge-offs | 20.0000% | 3,606 |
| Earnings coverage of net charge-offs (x) | 4.4333% | 3,469 |
| Efficiency ratio | 68.3935% | 2,819 |
| Assets per employee ($millions) | 4.0077% | 3,943 |
| Cash dividends to net income (ytd only)* | 59.5611% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1795% | 388 |
| Loan loss allowance to noncurrent loans | 4,272.7273% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 5,040 |
| Noncurrent loans to loans | 0.0510% | 4,762 |
| Net loans and leases to total assets | 43.8638% | 4,982 |
| Net loans and leases to deposits | 50.9418% | 5,029 |
| Net loans and leases to core deposits | 50.9418% | 5,101 |
| Total domestic deposits to total assets | 86.1058% | 2,387 |
| Equity capital to assets | 13.7299% | 979 |
| Core capital (leverage) ratio | 14.6658% | 694 |
| Tier 1 risk-based capital ratio | 26.4332% | 629 |
| Total risk-based capital ratio | 27.6916% | 618 |
| Memoranda: | ||
| Average total assets | $46,806,800 | 5,217 |
| Average earning assets | $43,627,400 | 5,196 |
| Average equity | $6,444,400 | 5,034 |
| Average total loans | $21,049,800 | 5,282 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5170% | 1,596 |
| Cost of funding earning assets | 0.2477% | 4,586 |
| Net interest margin | 4.2693% | 999 |
| Noninterest income to average assets | 0.5622% | 2,659 |
| Noninterest expense to average assets | 3.0776% | 1,865 |
| Loan and lease loss provision to assets | 0.0660% | 2,752 |
| Net operating income to assets | 1.3739% | 1,148 |
| Return on assets (ROA) | 1.3739% | 1,164 |
| Pretax return on assets | 1.3739% | 2,202 |
| Return on Equity (ROE) | 9.9715% | 2,150 |
| Retained earnings to average equity (ytd only) | 2.0610% | 4,614 |
| Net charge-offs to loans | 0.9305% | 195 |
| Credit loss provision to net charge-offs | 15.7534% | 3,186 |
| Earnings coverage of net charge-offs (x) | 3.4384% | 3,341 |
| Efficiency ratio | 68.1270% | 2,853 |
| Assets per employee ($millions) | 3.7369% | 4,399 |
| Cash dividends to net income (ytd only)* | 79.3314% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2533% | 374 |
| Loan loss allowance to noncurrent loans | 765.5738% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 4,569 |
| Noncurrent loans to loans | 0.2943% | 3,883 |
| Net loans and leases to total assets | 45.1754% | 4,983 |
| Net loans and leases to deposits | 53.2167% | 4,995 |
| Net loans and leases to core deposits | 53.2167% | 5,095 |
| Total domestic deposits to total assets | 84.8895% | 2,754 |
| Equity capital to assets | 14.7269% | 805 |
| Core capital (leverage) ratio | 14.7164% | 719 |
| Tier 1 risk-based capital ratio | 26.2948% | 658 |
| Total risk-based capital ratio | 27.5489% | 648 |
| Memoranda: | ||
| Average total assets | $46,485,500 | 5,280 |
| Average earning assets | $43,065,750 | 5,264 |
| Average equity | $6,404,750 | 5,095 |
| Average total loans | $20,921,000 | 5,343 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4653% | 1,611 |
| Cost of funding earning assets | 0.2440% | 4,598 |
| Net interest margin | 4.2213% | 1,035 |
| Noninterest income to average assets | 0.5571% | 2,670 |
| Noninterest expense to average assets | 3.0362% | 2,026 |
| Loan and lease loss provision to assets | 0.0638% | 2,692 |
| Net operating income to assets | 1.3565% | 1,157 |
| Return on assets (ROA) | 1.3565% | 1,185 |
| Pretax return on assets | 1.3565% | 2,180 |
| Return on Equity (ROE) | 10.0657% | 2,011 |
| Retained earnings to average equity (ytd only) | -1.9248% | 5,340 |
| Net charge-offs to loans | 1.3914% | 134 |
| Credit loss provision to net charge-offs | 10.2740% | 2,850 |
| Earnings coverage of net charge-offs (x) | 2.2877% | 3,177 |
| Efficiency ratio | 68.1298% | 2,987 |
| Assets per employee ($millions) | 3.8787% | 4,161 |
| Cash dividends to net income (ytd only)* | 119.1223% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1815% | 448 |
| Loan loss allowance to noncurrent loans | 3,278.5714% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 5,146 |
| Noncurrent loans to loans | 0.0665% | 4,857 |
| Net loans and leases to total assets | 44.2205% | 5,030 |
| Net loans and leases to deposits | 51.5542% | 5,081 |
| Net loans and leases to core deposits | 51.5542% | 5,168 |
| Total domestic deposits to total assets | 85.7748% | 2,486 |
| Equity capital to assets | 13.9395% | 985 |
| Core capital (leverage) ratio | 14.2661% | 787 |
| Tier 1 risk-based capital ratio | 25.1689% | 730 |
| Total risk-based capital ratio | 26.4186% | 720 |
| Memoranda: | ||
| Average total assets | $47,033,000 | 5,308 |
| Average earning assets | $43,446,330 | 5,296 |
| Average equity | $6,338,330 | 5,136 |
| Average total loans | $20,986,330 | 5,379 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3909% | 1,670 |
| Cost of funding earning assets | 0.2383% | 4,650 |
| Net interest margin | 4.1525% | 1,090 |
| Noninterest income to average assets | 0.5499% | 2,663 |
| Noninterest expense to average assets | 3.0289% | 2,082 |
| Loan and lease loss provision to assets | 0.0592% | 2,622 |
| Net operating income to assets | 1.2945% | 1,253 |
| Return on assets (ROA) | 1.2945% | 1,286 |
| Pretax return on assets | 1.2945% | 2,255 |
| Return on Equity (ROE) | 9.7709% | 2,074 |
| Retained earnings to average equity (ytd only) | -14.4967% | 5,663 |
| Net charge-offs to loans | 0.0191% | 2,411 |
| Credit loss provision to net charge-offs | 700.0000% | 457 |
| Earnings coverage of net charge-offs (x) | 160.0000% | 338 |
| Efficiency ratio | 69.1120% | 3,024 |
| Assets per employee ($millions) | 3.7693% | 4,387 |
| Cash dividends to net income (ytd only)* | 248.3660% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8412% | 212 |
| Loan loss allowance to noncurrent loans | 374.8428% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.3515% | 3,798 |
| Noncurrent loans to loans | 0.7580% | 2,588 |
| Net loans and leases to total assets | 45.0598% | 4,981 |
| Net loans and leases to deposits | 52.3261% | 5,020 |
| Net loans and leases to core deposits | 52.6668% | 5,119 |
| Total domestic deposits to total assets | 86.1135% | 2,619 |
| Equity capital to assets | 13.6787% | 1,012 |
| Core capital (leverage) ratio | 14.0980% | 816 |
| Tier 1 risk-based capital ratio | 24.7331% | 801 |
| Total risk-based capital ratio | 25.9938% | 782 |
| Memoranda: | ||
| Average total assets | $47,277,500 | 5,363 |
| Average earning assets | $43,636,000 | 5,356 |
| Average equity | $6,263,500 | 5,197 |
| Average total loans | $20,959,000 | 5,436 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6719% | 1,113 |
| Cost of funding earning assets | 0.2707% | 4,359 |
| Net interest margin | 4.4012% | 773 |
| Noninterest income to average assets | 0.4592% | 3,485 |
| Noninterest expense to average assets | 3.1962% | 1,796 |
| Loan and lease loss provision to assets | 0.0630% | 3,117 |
| Net operating income to assets | 1.2987% | 1,214 |
| Return on assets (ROA) | 1.3167% | 1,231 |
| Pretax return on assets | 1.3167% | 2,223 |
| Return on Equity (ROE) | 9.0434% | 2,400 |
| Retained earnings to average equity (ytd only) | 3.4009% | 3,503 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1235% | 2,878 |
| Assets per employee ($millions) | 4.1103% | 3,767 |
| Cash dividends to net income (ytd only)* | 62.3932% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8174% | 215 |
| Loan loss allowance to noncurrent loans | 3,933.3333% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 5,247 |
| Noncurrent loans to loans | 0.0716% | 4,952 |
| Net loans and leases to total assets | 41.2598% | 5,267 |
| Net loans and leases to deposits | 47.4415% | 5,318 |
| Net loans and leases to core deposits | 47.7208% | 5,381 |
| Total domestic deposits to total assets | 86.9698% | 2,163 |
| Equity capital to assets | 12.8538% | 1,322 |
| Core capital (leverage) ratio | 14.6209% | 668 |
| Tier 1 risk-based capital ratio | 25.7022% | 712 |
| Total risk-based capital ratio | 26.9664% | 699 |
| Memoranda: | ||
| Average total assets | $44,428,000 | 5,456 |
| Average earning assets | $41,375,400 | 5,435 |
| Average equity | $6,468,800 | 5,196 |
| Average total loans | $20,820,000 | 5,495 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7901% | 922 |
| Cost of funding earning assets | 0.2847% | 4,259 |
| Net interest margin | 4.5054% | 620 |
| Noninterest income to average assets | 0.4783% | 3,388 |
| Noninterest expense to average assets | 3.2897% | 1,590 |
| Loan and lease loss provision to assets | 0.0617% | 2,999 |
| Net operating income to assets | 1.3270% | 1,220 |
| Return on assets (ROA) | 1.3517% | 1,239 |
| Pretax return on assets | 1.3517% | 2,229 |
| Return on Equity (ROE) | 8.9831% | 2,494 |
| Retained earnings to average equity (ytd only) | 1.4972% | 4,916 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3166% | 2,845 |
| Assets per employee ($millions) | 3.5230% | 4,744 |
| Cash dividends to net income (ytd only)* | 83.3319% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6658% | 275 |
| Loan loss allowance to noncurrent loans | 58,200.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 5,537 |
| Noncurrent loans to loans | 0.0046% | 5,407 |
| Net loans and leases to total assets | 50.2649% | 4,802 |
| Net loans and leases to deposits | 60.0367% | 4,754 |
| Net loans and leases to core deposits | 60.4655% | 4,906 |
| Total domestic deposits to total assets | 83.7236% | 3,312 |
| Equity capital to assets | 15.8553% | 574 |
| Core capital (leverage) ratio | 14.7911% | 671 |
| Tier 1 risk-based capital ratio | 24.4841% | 860 |
| Total risk-based capital ratio | 25.7470% | 847 |
| Memoranda: | ||
| Average total assets | $43,204,000 | 5,539 |
| Average earning assets | $40,276,500 | 5,519 |
| Average equity | $6,501,000 | 5,241 |
| Average total loans | $20,789,750 | 5,550 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7204% | 1,010 |
| Cost of funding earning assets | 0.2898% | 4,251 |
| Net interest margin | 4.4306% | 715 |
| Noninterest income to average assets | 0.4734% | 3,381 |
| Noninterest expense to average assets | 3.2680% | 1,653 |
| Loan and lease loss provision to assets | 0.0598% | 2,943 |
| Net operating income to assets | 1.2916% | 1,291 |
| Return on assets (ROA) | 1.3237% | 1,301 |
| Pretax return on assets | 1.3237% | 2,308 |
| Return on Equity (ROE) | 8.9529% | 2,514 |
| Retained earnings to average equity (ytd only) | -2.3937% | 5,573 |
| Net charge-offs to loans | 0.0098% | 3,368 |
| Credit loss provision to net charge-offs | 1,300.0000% | 301 |
| Earnings coverage of net charge-offs (x) | 294.0000% | 234 |
| Efficiency ratio | 70.7463% | 2,869 |
| Assets per employee ($millions) | 3.5914% | 4,603 |
| Cash dividends to net income (ytd only)* | 126.7361% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7493% | 269 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 47.1123% | 5,059 |
| Net loans and leases to deposits | 55.7879% | 5,028 |
| Net loans and leases to core deposits | 55.7879% | 5,186 |
| Total domestic deposits to total assets | 84.4490% | 3,107 |
| Equity capital to assets | 15.2192% | 686 |
| Core capital (leverage) ratio | 14.1050% | 793 |
| Tier 1 risk-based capital ratio | 25.0454% | 806 |
| Total risk-based capital ratio | 26.3077% | 792 |
| Memoranda: | ||
| Average total assets | $43,513,330 | 5,591 |
| Average earning assets | $40,717,000 | 5,572 |
| Average equity | $6,433,670 | 5,298 |
| Average total loans | $20,442,330 | 5,621 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6704% | 1,106 |
| Cost of funding earning assets | 0.2944% | 4,222 |
| Net interest margin | 4.3761% | 784 |
| Noninterest income to average assets | 0.4574% | 3,432 |
| Noninterest expense to average assets | 3.2387% | 1,745 |
| Loan and lease loss provision to assets | 0.0457% | 3,002 |
| Net operating income to assets | 1.2534% | 1,397 |
| Return on assets (ROA) | 1.2534% | 1,493 |
| Pretax return on assets | 1.2534% | 2,487 |
| Return on Equity (ROE) | 8.6015% | 2,608 |
| Retained earnings to average equity (ytd only) | -14.3149% | 5,896 |
| Net charge-offs to loans | -0.0198% | 4,846 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3710% | 2,891 |
| Assets per employee ($millions) | 3.5640% | 4,717 |
| Cash dividends to net income (ytd only)* | 266.4234% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6709% | 326 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 48.3960% | 4,939 |
| Net loans and leases to deposits | 56.9957% | 4,919 |
| Net loans and leases to core deposits | 59.2557% | 4,984 |
| Total domestic deposits to total assets | 84.9116% | 3,159 |
| Equity capital to assets | 14.8569% | 727 |
| Core capital (leverage) ratio | 14.2297% | 751 |
| Tier 1 risk-based capital ratio | 24.6491% | 848 |
| Total risk-based capital ratio | 25.9104% | 827 |
| Memoranda: | ||
| Average total assets | $43,721,500 | 5,640 |
| Average earning assets | $40,767,000 | 5,620 |
| Average equity | $6,371,000 | 5,347 |
| Average total loans | $20,224,500 | 5,677 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5216% | 1,530 |
| Cost of funding earning assets | 0.3132% | 4,095 |
| Net interest margin | 4.2084% | 1,154 |
| Noninterest income to average assets | 0.6199% | 2,617 |
| Noninterest expense to average assets | 3.2367% | 1,869 |
| Loan and lease loss provision to assets | 0.0697% | 2,889 |
| Net operating income to assets | 1.2445% | 1,400 |
| Return on assets (ROA) | 1.2956% | 1,326 |
| Pretax return on assets | 1.2956% | 2,303 |
| Return on Equity (ROE) | 8.9092% | 2,495 |
| Retained earnings to average equity (ytd only) | 3.0815% | 3,864 |
| Net charge-offs to loans | 0.1579% | 1,799 |
| Credit loss provision to net charge-offs | 96.7742% | 2,618 |
| Earnings coverage of net charge-offs (x) | 18.2581% | 2,023 |
| Efficiency ratio | 71.1224% | 3,048 |
| Assets per employee ($millions) | 3.7229% | 4,432 |
| Cash dividends to net income (ytd only)* | 65.4122% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9297% | 243 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 41.6810% | 5,427 |
| Net loans and leases to deposits | 48.7499% | 5,452 |
| Net loans and leases to core deposits | 51.0290% | 5,456 |
| Total domestic deposits to total assets | 85.4997% | 2,862 |
| Equity capital to assets | 14.2988% | 835 |
| Core capital (leverage) ratio | 14.5294% | 705 |
| Tier 1 risk-based capital ratio | 27.2605% | 645 |
| Total risk-based capital ratio | 28.5268% | 628 |
| Memoranda: | ||
| Average total assets | $43,068,600 | 5,703 |
| Average earning assets | $40,228,800 | 5,672 |
| Average equity | $6,263,200 | 5,381 |
| Average total loans | $19,638,600 | 5,734 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5765% | 1,396 |
| Cost of funding earning assets | 0.3185% | 4,125 |
| Net interest margin | 4.2580% | 1,043 |
| Noninterest income to average assets | 0.6750% | 2,353 |
| Noninterest expense to average assets | 3.3030% | 1,681 |
| Loan and lease loss provision to assets | 0.0687% | 2,799 |
| Net operating income to assets | 1.2718% | 1,418 |
| Return on assets (ROA) | 1.3406% | 1,293 |
| Pretax return on assets | 1.3406% | 2,246 |
| Return on Equity (ROE) | 9.1783% | 2,482 |
| Retained earnings to average equity (ytd only) | 1.3692% | 5,177 |
| Net charge-offs to loans | 0.2092% | 1,241 |
| Credit loss provision to net charge-offs | 70.9677% | 2,748 |
| Earnings coverage of net charge-offs (x) | 13.8396% | 2,288 |
| Efficiency ratio | 71.1306% | 3,022 |
| Assets per employee ($millions) | 3.4894% | 4,806 |
| Cash dividends to net income (ytd only)* | 85.0802% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7384% | 325 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 46.9921% | 5,151 |
| Net loans and leases to deposits | 55.6555% | 5,146 |
| Net loans and leases to core deposits | 58.4755% | 5,163 |
| Total domestic deposits to total assets | 84.4339% | 3,247 |
| Equity capital to assets | 15.1195% | 713 |
| Core capital (leverage) ratio | 14.6191% | 713 |
| Tier 1 risk-based capital ratio | 26.0768% | 756 |
| Total risk-based capital ratio | 27.3390% | 741 |
| Memoranda: | ||
| Average total assets | $42,667,000 | 5,788 |
| Average earning assets | $39,767,500 | 5,757 |
| Average equity | $6,232,000 | 5,453 |
| Average total loans | $19,752,500 | 5,804 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5048% | 1,522 |
| Cost of funding earning assets | 0.3193% | 4,165 |
| Net interest margin | 4.1855% | 1,130 |
| Noninterest income to average assets | 0.7780% | 1,877 |
| Noninterest expense to average assets | 3.3122% | 1,665 |
| Loan and lease loss provision to assets | 0.0699% | 2,709 |
| Net operating income to assets | 1.3044% | 1,311 |
| Return on assets (ROA) | 1.3044% | 1,369 |
| Pretax return on assets | 1.3044% | 2,348 |
| Return on Equity (ROE) | 9.0337% | 2,520 |
| Retained earnings to average equity (ytd only) | -2.7424% | 5,899 |
| Net charge-offs to loans | 0.3369% | 780 |
| Credit loss provision to net charge-offs | 45.4545% | 2,752 |
| Earnings coverage of net charge-offs (x) | 8.9394% | 2,510 |
| Efficiency ratio | 70.6759% | 3,224 |
| Assets per employee ($millions) | 3.5837% | 4,650 |
| Cash dividends to net income (ytd only)* | 130.3571% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7775% | 344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 44.3610% | 5,362 |
| Net loans and leases to deposits | 51.8594% | 5,392 |
| Net loans and leases to core deposits | 54.7765% | 5,380 |
| Total domestic deposits to total assets | 85.5409% | 2,900 |
| Equity capital to assets | 14.1219% | 950 |
| Core capital (leverage) ratio | 13.9135% | 868 |
| Tier 1 risk-based capital ratio | 25.6434% | 804 |
| Total risk-based capital ratio | 26.9068% | 790 |
| Memoranda: | ||
| Average total assets | $42,931,670 | 5,846 |
| Average earning assets | $40,090,670 | 5,810 |
| Average equity | $6,199,000 | 5,501 |
| Average total loans | $19,593,000 | 5,866 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4984% | 1,462 |
| Cost of funding earning assets | 0.3206% | 4,218 |
| Net interest margin | 4.1778% | 1,113 |
| Noninterest income to average assets | 0.5875% | 2,716 |
| Noninterest expense to average assets | 3.3010% | 1,718 |
| Loan and lease loss provision to assets | 0.0653% | 2,629 |
| Net operating income to assets | 1.1097% | 1,839 |
| Return on assets (ROA) | 1.1097% | 1,946 |
| Pretax return on assets | 1.1097% | 3,037 |
| Return on Equity (ROE) | 7.6014% | 3,167 |
| Retained earnings to average equity (ytd only) | -15.7138% | 6,227 |
| Net charge-offs to loans | 0.6538% | 371 |
| Credit loss provision to net charge-offs | 21.8750% | 2,345 |
| Earnings coverage of net charge-offs (x) | 3.9375% | 2,550 |
| Efficiency ratio | 73.7500% | 2,856 |
| Assets per employee ($millions) | 3.5777% | 4,764 |
| Cash dividends to net income (ytd only)* | 306.7227% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8423% | 352 |
| Loan loss allowance to noncurrent loans | 4,483.3333% | 151 |
| Noncurrent assets plus other real estate owned to assets | 1.1926% | 2,249 |
| Noncurrent loans to loans | 0.0634% | 5,520 |
| Net loans and leases to total assets | 42.8352% | 5,434 |
| Net loans and leases to deposits | 50.2706% | 5,441 |
| Net loans and leases to core deposits | 53.1134% | 5,416 |
| Total domestic deposits to total assets | 85.2092% | 3,303 |
| Equity capital to assets | 14.5323% | 822 |
| Core capital (leverage) ratio | 13.8774% | 863 |
| Tier 1 risk-based capital ratio | 25.2745% | 859 |
| Total risk-based capital ratio | 26.5370% | 839 |
| Memoranda: | ||
| Average total assets | $42,895,500 | 5,896 |
| Average earning assets | $39,925,500 | 5,869 |
| Average equity | $6,262,000 | 5,539 |
| Average total loans | $19,578,500 | 5,914 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7998% | 1,117 |
| Cost of funding earning assets | 0.3712% | 4,025 |
| Net interest margin | 4.4286% | 848 |
| Noninterest income to average assets | 0.6018% | 2,849 |
| Noninterest expense to average assets | 3.3326% | 1,845 |
| Loan and lease loss provision to assets | 0.1199% | 2,178 |
| Net operating income to assets | 1.3258% | 1,248 |
| Return on assets (ROA) | 1.3666% | 1,192 |
| Pretax return on assets | 1.3666% | 2,013 |
| Return on Equity (ROE) | 9.7316% | 2,236 |
| Retained earnings to average equity (ytd only) | 3.7561% | 3,543 |
| Net charge-offs to loans | 0.1032% | 3,029 |
| Credit loss provision to net charge-offs | 238.0952% | 1,065 |
| Earnings coverage of net charge-offs (x) | 28.7143% | 1,388 |
| Efficiency ratio | 69.7441% | 3,574 |
| Assets per employee ($millions) | 3.5716% | 4,772 |
| Cash dividends to net income (ytd only)* | 61.4035% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7831% | 384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1666% | 2,432 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 45.8853% | 5,332 |
| Net loans and leases to deposits | 53.9164% | 5,337 |
| Net loans and leases to core deposits | 56.9732% | 5,318 |
| Total domestic deposits to total assets | 85.1046% | 3,246 |
| Equity capital to assets | 14.6644% | 767 |
| Core capital (leverage) ratio | 14.5182% | 699 |
| Tier 1 risk-based capital ratio | 24.9867% | 840 |
| Total risk-based capital ratio | 26.2497% | 827 |
| Memoranda: | ||
| Average total assets | $41,709,400 | 5,992 |
| Average earning assets | $39,335,000 | 5,942 |
| Average equity | $5,857,200 | 5,651 |
| Average total loans | $20,344,800 | 5,947 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7826% | 1,140 |
| Cost of funding earning assets | 0.3846% | 3,962 |
| Net interest margin | 4.3979% | 885 |
| Noninterest income to average assets | 0.6180% | 2,763 |
| Noninterest expense to average assets | 3.3379% | 1,824 |
| Loan and lease loss provision to assets | 0.1127% | 2,165 |
| Net operating income to assets | 1.3262% | 1,298 |
| Return on assets (ROA) | 1.3262% | 1,358 |
| Pretax return on assets | 1.3262% | 2,283 |
| Return on Equity (ROE) | 9.5530% | 2,423 |
| Retained earnings to average equity (ytd only) | 1.4375% | 5,324 |
| Net charge-offs to loans | 0.1178% | 2,628 |
| Credit loss provision to net charge-offs | 194.4444% | 1,297 |
| Earnings coverage of net charge-offs (x) | 24.8329% | 1,526 |
| Efficiency ratio | 69.8787% | 3,531 |
| Assets per employee ($millions) | 3.4220% | 5,010 |
| Cash dividends to net income (ytd only)* | 84.9523% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5560% | 609 |
| Loan loss allowance to noncurrent loans | 27,550.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 1.2225% | 2,518 |
| Noncurrent loans to loans | 0.0093% | 6,000 |
| Net loans and leases to total assets | 51.1543% | 4,883 |
| Net loans and leases to deposits | 60.2651% | 4,915 |
| Net loans and leases to core deposits | 63.8480% | 4,892 |
| Total domestic deposits to total assets | 84.8821% | 3,387 |
| Equity capital to assets | 14.6552% | 819 |
| Core capital (leverage) ratio | 14.4816% | 731 |
| Tier 1 risk-based capital ratio | 23.6671% | 1,026 |
| Total risk-based capital ratio | 24.9272% | 1,005 |
| Memoranda: | ||
| Average total assets | $41,422,000 | 6,072 |
| Average earning assets | $39,169,250 | 6,014 |
| Average equity | $5,750,250 | 5,728 |
| Average total loans | $20,373,750 | 6,010 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6646% | 1,361 |
| Cost of funding earning assets | 0.4056% | 3,815 |
| Net interest margin | 4.2590% | 1,117 |
| Noninterest income to average assets | 0.6259% | 2,676 |
| Noninterest expense to average assets | 3.2883% | 1,948 |
| Loan and lease loss provision to assets | 0.0963% | 2,418 |
| Net operating income to assets | 1.2855% | 1,352 |
| Return on assets (ROA) | 1.2903% | 1,395 |
| Pretax return on assets | 1.2903% | 2,290 |
| Return on Equity (ROE) | 9.4683% | 2,381 |
| Retained earnings to average equity (ytd only) | -2.8970% | 6,088 |
| Net charge-offs to loans | 0.1301% | 2,363 |
| Credit loss provision to net charge-offs | 153.8462% | 1,435 |
| Earnings coverage of net charge-offs (x) | 22.0769% | 1,516 |
| Efficiency ratio | 70.4124% | 3,589 |
| Assets per employee ($millions) | 3.5046% | 4,841 |
| Cash dividends to net income (ytd only)* | 130.5970% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6468% | 575 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1889% | 2,704 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 47.3166% | 5,234 |
| Net loans and leases to deposits | 55.1448% | 5,271 |
| Net loans and leases to core deposits | 58.3018% | 5,251 |
| Total domestic deposits to total assets | 85.8043% | 3,147 |
| Equity capital to assets | 13.8414% | 1,036 |
| Core capital (leverage) ratio | 13.9515% | 847 |
| Tier 1 risk-based capital ratio | 24.3054% | 948 |
| Total risk-based capital ratio | 25.5687% | 928 |
| Memoranda: | ||
| Average total assets | $41,541,330 | 6,121 |
| Average earning assets | $39,445,670 | 6,062 |
| Average equity | $5,661,000 | 5,789 |
| Average total loans | $19,979,330 | 6,077 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6536% | 1,366 |
| Cost of funding earning assets | 0.4193% | 3,768 |
| Net interest margin | 4.2343% | 1,132 |
| Noninterest income to average assets | 0.6395% | 2,521 |
| Noninterest expense to average assets | 3.3523% | 1,815 |
| Loan and lease loss provision to assets | 0.0969% | 2,311 |
| Net operating income to assets | 1.2014% | 1,482 |
| Return on assets (ROA) | 1.2014% | 1,546 |
| Pretax return on assets | 1.2014% | 2,480 |
| Return on Equity (ROE) | 8.8873% | 2,519 |
| Retained earnings to average equity (ytd only) | -16.1978% | 6,485 |
| Net charge-offs to loans | -0.1418% | 6,262 |
| Credit loss provision to net charge-offs | -142.8571% | 4,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0833% | 3,473 |
| Assets per employee ($millions) | 3.4220% | 5,098 |
| Cash dividends to net income (ytd only)* | 282.2581% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8158% | 530 |
| Loan loss allowance to noncurrent loans | 1,343.9024% | 403 |
| Noncurrent assets plus other real estate owned to assets | 1.3175% | 2,679 |
| Noncurrent loans to loans | 0.2095% | 5,466 |
| Net loans and leases to total assets | 46.3106% | 5,303 |
| Net loans and leases to deposits | 53.7067% | 5,314 |
| Net loans and leases to core deposits | 54.9879% | 5,435 |
| Total domestic deposits to total assets | 86.2288% | 3,241 |
| Equity capital to assets | 13.5033% | 1,096 |
| Core capital (leverage) ratio | 13.9504% | 834 |
| Tier 1 risk-based capital ratio | 24.8100% | 910 |
| Total risk-based capital ratio | 26.0753% | 892 |
| Memoranda: | ||
| Average total assets | $41,284,500 | 6,187 |
| Average earning assets | $39,109,500 | 6,124 |
| Average equity | $5,581,000 | 5,845 |
| Average total loans | $19,749,000 | 6,144 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4083% | 426 |
| Cost of funding earning assets | 0.5008% | 3,601 |
| Net interest margin | 4.9074% | 354 |
| Noninterest income to average assets | 0.7459% | 2,307 |
| Noninterest expense to average assets | 3.5139% | 1,618 |
| Loan and lease loss provision to assets | 0.1338% | 2,637 |
| Net operating income to assets | 1.3233% | 1,198 |
| Return on assets (ROA) | 1.3233% | 1,233 |
| Pretax return on assets | 1.3233% | 2,065 |
| Return on Equity (ROE) | 9.2886% | 2,419 |
| Retained earnings to average equity (ytd only) | 3.5484% | 3,694 |
| Net charge-offs to loans | -0.0873% | 6,444 |
| Credit loss provision to net charge-offs | -300.0000% | 6,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6879% | 3,726 |
| Assets per employee ($millions) | 3.1927% | 5,500 |
| Cash dividends to net income (ytd only)* | 61.7978% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6794% | 673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2047% | 2,988 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 46.7317% | 5,419 |
| Net loans and leases to deposits | 54.1924% | 5,451 |
| Net loans and leases to core deposits | 57.3185% | 5,439 |
| Total domestic deposits to total assets | 86.2330% | 3,144 |
| Equity capital to assets | 13.5333% | 1,055 |
| Core capital (leverage) ratio | 14.6113% | 664 |
| Tier 1 risk-based capital ratio | 25.3332% | 827 |
| Total risk-based capital ratio | 26.5971% | 814 |
| Memoranda: | ||
| Average total assets | $40,354,000 | 6,277 |
| Average earning assets | $34,743,200 | 6,328 |
| Average equity | $5,749,000 | 5,869 |
| Average total loans | $20,620,400 | 6,169 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5875% | 326 |
| Cost of funding earning assets | 0.5286% | 3,480 |
| Net interest margin | 5.0589% | 286 |
| Noninterest income to average assets | 0.7254% | 2,487 |
| Noninterest expense to average assets | 3.4742% | 1,664 |
| Loan and lease loss provision to assets | 0.1298% | 2,668 |
| Net operating income to assets | 1.3577% | 1,211 |
| Return on assets (ROA) | 1.3577% | 1,254 |
| Pretax return on assets | 1.3577% | 2,083 |
| Return on Equity (ROE) | 9.4083% | 2,439 |
| Retained earnings to average equity (ytd only) | 1.7987% | 5,242 |
| Net charge-offs to loans | -0.1026% | 6,502 |
| Credit loss provision to net charge-offs | -243.7500% | 5,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0201% | 3,757 |
| Assets per employee ($millions) | 3.2678% | 5,345 |
| Cash dividends to net income (ytd only)* | 80.8820% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5048% | 928 |
| Loan loss allowance to noncurrent loans | 51,700.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 1.2776% | 3,090 |
| Noncurrent loans to loans | 0.0048% | 6,372 |
| Net loans and leases to total assets | 51.3172% | 4,961 |
| Net loans and leases to deposits | 60.1872% | 4,952 |
| Net loans and leases to core deposits | 63.9150% | 4,913 |
| Total domestic deposits to total assets | 85.2625% | 3,601 |
| Equity capital to assets | 14.2708% | 886 |
| Core capital (leverage) ratio | 14.6869% | 695 |
| Tier 1 risk-based capital ratio | 23.9608% | 1,012 |
| Total risk-based capital ratio | 25.2199% | 994 |
| Memoranda: | ||
| Average total assets | $40,066,250 | 6,356 |
| Average earning assets | $33,550,250 | 6,433 |
| Average equity | $5,782,000 | 5,934 |
| Average total loans | $20,793,000 | 6,222 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5191% | 362 |
| Cost of funding earning assets | 0.5406% | 3,497 |
| Net interest margin | 4.9785% | 323 |
| Noninterest income to average assets | 0.7088% | 2,595 |
| Noninterest expense to average assets | 3.3952% | 1,833 |
| Loan and lease loss provision to assets | 0.1289% | 2,710 |
| Net operating income to assets | 1.3383% | 1,231 |
| Return on assets (ROA) | 1.3383% | 1,317 |
| Pretax return on assets | 1.3383% | 2,163 |
| Return on Equity (ROE) | 9.2402% | 2,524 |
| Retained earnings to average equity (ytd only) | -2.0534% | 6,196 |
| Net charge-offs to loans | -0.0480% | 6,253 |
| Credit loss provision to net charge-offs | -520.0000% | 5,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8267% | 3,858 |
| Assets per employee ($millions) | 3.4089% | 5,040 |
| Cash dividends to net income (ytd only)* | 122.2222% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3527% | 1,168 |
| Loan loss allowance to noncurrent loans | 16,433.3333% | 54 |
| Noncurrent assets plus other real estate owned to assets | 1.2296% | 3,293 |
| Noncurrent loans to loans | 0.0143% | 6,387 |
| Net loans and leases to total assets | 50.0208% | 5,107 |
| Net loans and leases to deposits | 58.1489% | 5,148 |
| Net loans and leases to core deposits | 61.5584% | 5,138 |
| Total domestic deposits to total assets | 86.0220% | 3,352 |
| Equity capital to assets | 13.6236% | 1,079 |
| Core capital (leverage) ratio | 13.8665% | 857 |
| Tier 1 risk-based capital ratio | 23.3981% | 1,073 |
| Total risk-based capital ratio | 24.6579% | 1,056 |
| Memoranda: | ||
| Average total assets | $40,350,670 | 6,390 |
| Average earning assets | $33,665,000 | 6,478 |
| Average equity | $5,844,000 | 5,962 |
| Average total loans | $20,844,000 | 6,261 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3845% | 442 |
| Cost of funding earning assets | 0.5420% | 3,650 |
| Net interest margin | 4.8426% | 374 |
| Noninterest income to average assets | 0.6788% | 2,701 |
| Noninterest expense to average assets | 3.5036% | 1,613 |
| Loan and lease loss provision to assets | 0.1098% | 2,867 |
| Net operating income to assets | 1.1679% | 1,617 |
| Return on assets (ROA) | 1.1679% | 1,728 |
| Pretax return on assets | 1.1679% | 2,691 |
| Return on Equity (ROE) | 7.8267% | 3,065 |
| Retained earnings to average equity (ytd only) | -14.2487% | 6,730 |
| Net charge-offs to loans | -0.1732% | 6,646 |
| Credit loss provision to net charge-offs | -122.2222% | 5,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2777% | 3,399 |
| Assets per employee ($millions) | 3.6744% | 4,617 |
| Cash dividends to net income (ytd only)* | 282.0513% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3233% | 1,372 |
| Loan loss allowance to noncurrent loans | 9,640.0000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 1.4350% | 3,109 |
| Noncurrent loans to loans | 0.0241% | 6,423 |
| Net loans and leases to total assets | 50.1361% | 4,978 |
| Net loans and leases to deposits | 58.8574% | 4,929 |
| Net loans and leases to core deposits | 62.2626% | 4,934 |
| Total domestic deposits to total assets | 85.1823% | 3,954 |
| Equity capital to assets | 14.5628% | 860 |
| Core capital (leverage) ratio | 13.5626% | 924 |
| Tier 1 risk-based capital ratio | 22.5581% | 1,228 |
| Total risk-based capital ratio | 23.8152% | 1,211 |
| Memoranda: | ||
| Average total assets | $40,072,500 | 6,456 |
| Average earning assets | $33,949,000 | 6,527 |
| Average equity | $5,979,500 | 5,991 |
| Average total loans | $20,788,500 | 6,322 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6055% | 503 |
| Cost of funding earning assets | 0.6852% | 3,611 |
| Net interest margin | 4.9202% | 435 |
| Noninterest income to average assets | 0.9671% | 1,644 |
| Noninterest expense to average assets | 3.6968% | 1,422 |
| Loan and lease loss provision to assets | 0.2163% | 2,969 |
| Net operating income to assets | 1.2132% | 1,558 |
| Return on assets (ROA) | 1.2580% | 1,585 |
| Pretax return on assets | 1.2580% | 2,581 |
| Return on Equity (ROE) | 8.7534% | 2,765 |
| Retained earnings to average equity (ytd only) | 6.4007% | 1,870 |
| Net charge-offs to loans | 0.1361% | 4,323 |
| Credit loss provision to net charge-offs | 310.7143% | 780 |
| Earnings coverage of net charge-offs (x) | 20.5357% | 1,347 |
| Efficiency ratio | 72.1145% | 3,396 |
| Assets per employee ($millions) | 3.3106% | 5,397 |
| Cash dividends to net income (ytd only)* | 26.8775% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2178% | 1,529 |
| Loan loss allowance to noncurrent loans | 6,600.0000% | 112 |
| Noncurrent assets plus other real estate owned to assets | 1.4650% | 3,188 |
| Noncurrent loans to loans | 0.0336% | 6,424 |
| Net loans and leases to total assets | 51.2724% | 5,001 |
| Net loans and leases to deposits | 60.6816% | 4,948 |
| Net loans and leases to core deposits | 64.9335% | 4,845 |
| Total domestic deposits to total assets | 84.4942% | 4,086 |
| Equity capital to assets | 15.2868% | 682 |
| Core capital (leverage) ratio | 14.2512% | 729 |
| Tier 1 risk-based capital ratio | 24.7533% | 878 |
| Total risk-based capital ratio | 26.0110% | 866 |
| Memoranda: | ||
| Average total assets | $40,223,800 | 6,494 |
| Average earning assets | $34,002,600 | 6,552 |
| Average equity | $5,780,600 | 6,083 |
| Average total loans | $20,570,800 | 6,397 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6291% | 532 |
| Cost of funding earning assets | 0.7115% | 3,667 |
| Net interest margin | 4.9176% | 455 |
| Noninterest income to average assets | 0.8955% | 1,845 |
| Noninterest expense to average assets | 3.6350% | 1,487 |
| Loan and lease loss provision to assets | 0.2313% | 2,730 |
| Net operating income to assets | 1.1632% | 1,857 |
| Return on assets (ROA) | 1.2227% | 1,835 |
| Pretax return on assets | 1.2227% | 2,905 |
| Return on Equity (ROE) | 8.6434% | 2,981 |
| Retained earnings to average equity (ytd only) | 5.4663% | 3,058 |
| Net charge-offs to loans | 0.1430% | 3,969 |
| Credit loss provision to net charge-offs | 318.1818% | 840 |
| Earnings coverage of net charge-offs (x) | 19.1834% | 1,509 |
| Efficiency ratio | 72.2733% | 3,272 |
| Assets per employee ($millions) | 3.3192% | 5,398 |
| Cash dividends to net income (ytd only)* | 36.7571% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1533% | 1,800 |
| Loan loss allowance to noncurrent loans | 4,510.0000% | 150 |
| Noncurrent assets plus other real estate owned to assets | 1.4813% | 3,378 |
| Noncurrent loans to loans | 0.0477% | 6,498 |
| Net loans and leases to total assets | 51.4537% | 5,121 |
| Net loans and leases to deposits | 60.8618% | 5,103 |
| Net loans and leases to core deposits | 65.1079% | 5,044 |
| Total domestic deposits to total assets | 84.5418% | 3,957 |
| Equity capital to assets | 15.0188% | 819 |
| Core capital (leverage) ratio | 13.9370% | 860 |
| Tier 1 risk-based capital ratio | 24.4099% | 966 |
| Total risk-based capital ratio | 25.6673% | 955 |
| Memoranda: | ||
| Average total assets | $40,348,000 | 6,576 |
| Average earning assets | $33,918,000 | 6,642 |
| Average equity | $5,707,500 | 6,170 |
| Average total loans | $20,505,750 | 6,489 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6492% | 538 |
| Cost of funding earning assets | 0.7358% | 3,714 |
| Net interest margin | 4.9134% | 458 |
| Noninterest income to average assets | 0.9723% | 1,539 |
| Noninterest expense to average assets | 3.6327% | 1,504 |
| Loan and lease loss provision to assets | 0.2517% | 2,564 |
| Net operating income to assets | 1.1747% | 1,802 |
| Return on assets (ROA) | 1.2636% | 1,702 |
| Pretax return on assets | 1.2636% | 2,676 |
| Return on Equity (ROE) | 9.1168% | 2,758 |
| Retained earnings to average equity (ytd only) | 4.2735% | 3,766 |
| Net charge-offs to loans | 0.1768% | 3,538 |
| Credit loss provision to net charge-offs | 283.3333% | 1,034 |
| Earnings coverage of net charge-offs (x) | 16.0556% | 1,612 |
| Efficiency ratio | 71.8049% | 3,461 |
| Assets per employee ($millions) | 3.4578% | 5,077 |
| Cash dividends to net income (ytd only)* | 53.1250% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1496% | 1,889 |
| Loan loss allowance to noncurrent loans | 3,353.8462% | 165 |
| Noncurrent assets plus other real estate owned to assets | 1.4412% | 3,546 |
| Noncurrent loans to loans | 0.0641% | 6,506 |
| Net loans and leases to total assets | 47.8310% | 5,630 |
| Net loans and leases to deposits | 55.7437% | 5,679 |
| Net loans and leases to core deposits | 58.5267% | 5,733 |
| Total domestic deposits to total assets | 85.8052% | 3,450 |
| Equity capital to assets | 13.8647% | 1,158 |
| Core capital (leverage) ratio | 13.4091% | 1,009 |
| Tier 1 risk-based capital ratio | 24.5793% | 950 |
| Total risk-based capital ratio | 25.8403% | 934 |
| Memoranda: | ||
| Average total assets | $40,520,670 | 6,617 |
| Average earning assets | $33,703,670 | 6,694 |
| Average equity | $5,616,000 | 6,210 |
| Average total loans | $20,359,330 | 6,550 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6580% | 561 |
| Cost of funding earning assets | 0.7568% | 3,815 |
| Net interest margin | 4.9012% | 466 |
| Noninterest income to average assets | 0.8393% | 1,985 |
| Noninterest expense to average assets | 3.6169% | 1,530 |
| Loan and lease loss provision to assets | 0.1798% | 3,174 |
| Net operating income to assets | 1.1190% | 1,994 |
| Return on assets (ROA) | 1.1190% | 2,178 |
| Pretax return on assets | 1.1190% | 3,247 |
| Return on Equity (ROE) | 8.0757% | 3,250 |
| Retained earnings to average equity (ytd only) | -1.7305% | 6,245 |
| Net charge-offs to loans | -0.1177% | 6,843 |
| Credit loss provision to net charge-offs | -300.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5772% | 3,161 |
| Assets per employee ($millions) | 3.3641% | 5,427 |
| Cash dividends to net income (ytd only)* | 121.4286% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1286% | 2,025 |
| Loan loss allowance to noncurrent loans | 1,334.3750% | 313 |
| Noncurrent assets plus other real estate owned to assets | 2.0362% | 2,845 |
| Noncurrent loans to loans | 0.1595% | 6,362 |
| Net loans and leases to total assets | 48.6339% | 5,475 |
| Net loans and leases to deposits | 56.5727% | 5,542 |
| Net loans and leases to core deposits | 60.6800% | 5,465 |
| Total domestic deposits to total assets | 85.9670% | 3,548 |
| Equity capital to assets | 13.7853% | 1,097 |
| Core capital (leverage) ratio | 13.3002% | 1,025 |
| Tier 1 risk-based capital ratio | 23.5386% | 1,063 |
| Total risk-based capital ratio | 24.7970% | 1,048 |
| Memoranda: | ||
| Average total assets | $40,034,000 | 6,683 |
| Average earning assets | $33,298,000 | 6,762 |
| Average equity | $5,547,500 | 6,262 |
| Average total loans | $20,397,500 | 6,595 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6143% | 927 |
| Cost of funding earning assets | 0.9043% | 4,084 |
| Net interest margin | 4.7100% | 736 |
| Noninterest income to average assets | 0.5303% | 3,650 |
| Noninterest expense to average assets | 3.5837% | 1,776 |
| Loan and lease loss provision to assets | 0.5152% | 2,040 |
| Net operating income to assets | 0.5152% | 4,358 |
| Return on assets (ROA) | 0.5202% | 4,553 |
| Pretax return on assets | 0.5202% | 4,932 |
| Return on Equity (ROE) | 3.7606% | 4,975 |
| Retained earnings to average equity (ytd only) | 0.3997% | 5,648 |
| Net charge-offs to loans | 0.5750% | 2,728 |
| Credit loss provision to net charge-offs | 161.4173% | 1,709 |
| Earnings coverage of net charge-offs (x) | 3.2283% | 3,599 |
| Efficiency ratio | 77.6688% | 2,638 |
| Assets per employee ($millions) | 3.3083% | 5,493 |
| Cash dividends to net income (ytd only)* | 89.3720% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9436% | 2,437 |
| Loan loss allowance to noncurrent loans | 1,389.6552% | 311 |
| Noncurrent assets plus other real estate owned to assets | 2.1386% | 2,803 |
| Noncurrent loans to loans | 0.1399% | 6,462 |
| Net loans and leases to total assets | 51.2154% | 5,437 |
| Net loans and leases to deposits | 59.6439% | 5,532 |
| Net loans and leases to core deposits | 64.0519% | 5,460 |
| Total domestic deposits to total assets | 85.8687% | 3,389 |
| Equity capital to assets | 13.9298% | 1,091 |
| Core capital (leverage) ratio | 13.3496% | 1,024 |
| Tier 1 risk-based capital ratio | 22.6724% | 1,135 |
| Total risk-based capital ratio | 23.9303% | 1,115 |
| Memoranda: | ||
| Average total assets | $39,790,800 | 6,683 |
| Average earning assets | $34,501,400 | 6,731 |
| Average equity | $5,504,400 | 6,291 |
| Average total loans | $22,086,600 | 6,551 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6201% | 995 |
| Cost of funding earning assets | 0.9437% | 4,088 |
| Net interest margin | 4.6764% | 804 |
| Noninterest income to average assets | 0.8205% | 1,957 |
| Noninterest expense to average assets | 3.6268% | 1,654 |
| Loan and lease loss provision to assets | 0.6296% | 1,551 |
| Net operating income to assets | 0.6463% | 3,890 |
| Return on assets (ROA) | 0.6530% | 4,026 |
| Pretax return on assets | 0.6530% | 4,637 |
| Return on Equity (ROE) | 4.7288% | 4,650 |
| Retained earnings to average equity (ytd only) | 0.2425% | 5,882 |
| Net charge-offs to loans | 0.6897% | 2,191 |
| Credit loss provision to net charge-offs | 162.0690% | 1,892 |
| Earnings coverage of net charge-offs (x) | 3.2846% | 3,503 |
| Efficiency ratio | 73.9754% | 3,186 |
| Assets per employee ($millions) | 3.2336% | 5,599 |
| Cash dividends to net income (ytd only)* | 94.8729% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8019% | 2,940 |
| Loan loss allowance to noncurrent loans | 472.6190% | 682 |
| Noncurrent assets plus other real estate owned to assets | 2.6209% | 2,464 |
| Noncurrent loans to loans | 0.3813% | 6,092 |
| Net loans and leases to total assets | 55.7560% | 4,880 |
| Net loans and leases to deposits | 65.5050% | 4,972 |
| Net loans and leases to core deposits | 72.1551% | 4,698 |
| Total domestic deposits to total assets | 85.1171% | 3,715 |
| Equity capital to assets | 14.4241% | 1,017 |
| Core capital (leverage) ratio | 13.4574% | 1,060 |
| Tier 1 risk-based capital ratio | 21.3177% | 1,400 |
| Total risk-based capital ratio | 22.5717% | 1,376 |
| Memoranda: | ||
| Average total assets | $39,813,750 | 6,736 |
| Average earning assets | $34,755,000 | 6,786 |
| Average equity | $5,498,000 | 6,340 |
| Average total loans | $22,424,500 | 6,605 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7746% | 753 |
| Cost of funding earning assets | 0.9883% | 4,027 |
| Net interest margin | 4.7863% | 615 |
| Noninterest income to average assets | 0.8119% | 1,965 |
| Noninterest expense to average assets | 3.5417% | 1,884 |
| Loan and lease loss provision to assets | 0.1793% | 4,123 |
| Net operating income to assets | 1.2403% | 1,462 |
| Return on assets (ROA) | 1.2503% | 1,517 |
| Pretax return on assets | 1.2503% | 2,309 |
| Return on Equity (ROE) | 9.1857% | 2,438 |
| Retained earnings to average equity (ytd only) | 2.4154% | 4,754 |
| Net charge-offs to loans | -0.0621% | 7,065 |
| Credit loss provision to net charge-offs | -514.2857% | 6,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3855% | 3,857 |
| Assets per employee ($millions) | 3.3674% | 5,289 |
| Cash dividends to net income (ytd only)* | 73.7052% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6558% | 3,470 |
| Loan loss allowance to noncurrent loans | 353.8462% | 905 |
| Noncurrent assets plus other real estate owned to assets | 1.6704% | 3,673 |
| Noncurrent loans to loans | 0.4679% | 5,971 |
| Net loans and leases to total assets | 54.0894% | 5,286 |
| Net loans and leases to deposits | 63.0303% | 5,389 |
| Net loans and leases to core deposits | 69.2006% | 5,161 |
| Total domestic deposits to total assets | 85.8150% | 3,431 |
| Equity capital to assets | 13.8583% | 1,149 |
| Core capital (leverage) ratio | 13.3498% | 1,048 |
| Tier 1 risk-based capital ratio | 21.4346% | 1,335 |
| Total risk-based capital ratio | 22.6862% | 1,313 |
| Memoranda: | ||
| Average total assets | $40,150,670 | 6,782 |
| Average earning assets | $34,807,330 | 6,840 |
| Average equity | $5,465,000 | 6,384 |
| Average total loans | $22,555,330 | 6,658 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7900% | 753 |
| Cost of funding earning assets | 1.0443% | 3,894 |
| Net interest margin | 4.7457% | 645 |
| Noninterest income to average assets | 0.7696% | 2,160 |
| Noninterest expense to average assets | 3.5181% | 1,954 |
| Loan and lease loss provision to assets | 0.1799% | 3,819 |
| Net operating income to assets | 1.1594% | 1,630 |
| Return on assets (ROA) | 1.1594% | 1,681 |
| Pretax return on assets | 1.1594% | 2,515 |
| Return on Equity (ROE) | 8.5966% | 2,655 |
| Retained earnings to average equity (ytd only) | -5.1135% | 6,527 |
| Net charge-offs to loans | -0.1408% | 7,182 |
| Credit loss provision to net charge-offs | -225.0000% | 5,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4280% | 3,785 |
| Assets per employee ($millions) | 3.3628% | 5,334 |
| Cash dividends to net income (ytd only)* | 159.4828% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5390% | 4,012 |
| Loan loss allowance to noncurrent loans | 351.0000% | 884 |
| Noncurrent assets plus other real estate owned to assets | 2.0990% | 3,195 |
| Noncurrent loans to loans | 0.4385% | 6,131 |
| Net loans and leases to total assets | 55.6489% | 5,054 |
| Net loans and leases to deposits | 64.3457% | 5,211 |
| Net loans and leases to core deposits | 70.5875% | 4,971 |
| Total domestic deposits to total assets | 86.4843% | 3,242 |
| Equity capital to assets | 13.3076% | 1,259 |
| Core capital (leverage) ratio | 13.1725% | 1,072 |
| Tier 1 risk-based capital ratio | 20.4886% | 1,482 |
| Total risk-based capital ratio | 21.7396% | 1,461 |
| Memoranda: | ||
| Average total assets | $40,021,500 | 6,835 |
| Average earning assets | $34,473,500 | 6,901 |
| Average equity | $5,397,500 | 6,419 |
| Average total loans | $22,720,500 | 6,705 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0628% | 754 |
| Cost of funding earning assets | 1.2126% | 4,476 |
| Net interest margin | 4.8503% | 605 |
| Noninterest income to average assets | 0.8478% | 2,067 |
| Noninterest expense to average assets | 3.6253% | 1,864 |
| Loan and lease loss provision to assets | 0.6772% | 2,434 |
| Net operating income to assets | 0.7408% | 3,041 |
| Return on assets (ROA) | 0.7408% | 3,168 |
| Pretax return on assets | 0.7408% | 3,830 |
| Return on Equity (ROE) | 5.2919% | 3,951 |
| Retained earnings to average equity (ytd only) | -1.9822% | 5,970 |
| Net charge-offs to loans | 1.3526% | 1,651 |
| Credit loss provision to net charge-offs | 87.5000% | 5,226 |
| Earnings coverage of net charge-offs (x) | 1.8322% | 4,353 |
| Efficiency ratio | 71.8829% | 3,814 |
| Assets per employee ($millions) | 3.0531% | 5,994 |
| Cash dividends to net income (ytd only)* | 137.4570% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 4,343 |
| Loan loss allowance to noncurrent loans | 150.4630% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 2.1819% | 3,119 |
| Noncurrent loans to loans | 0.9543% | 5,142 |
| Net loans and leases to total assets | 56.2081% | 5,310 |
| Net loans and leases to deposits | 65.2310% | 5,490 |
| Net loans and leases to core deposits | 70.1144% | 5,436 |
| Total domestic deposits to total assets | 86.1678% | 3,272 |
| Equity capital to assets | 13.6684% | 1,137 |
| Core capital (leverage) ratio | 13.3167% | 1,022 |
| Tier 1 risk-based capital ratio | 21.1164% | 1,302 |
| Total risk-based capital ratio | 22.3689% | 1,276 |
| Memoranda: | ||
| Average total assets | $39,279,800 | 6,888 |
| Average earning assets | $33,977,600 | 6,950 |
| Average equity | $5,499,000 | 6,507 |
| Average total loans | $22,475,200 | 6,798 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1763% | 643 |
| Cost of funding earning assets | 1.2368% | 4,645 |
| Net interest margin | 4.9395% | 507 |
| Noninterest income to average assets | 0.8372% | 2,045 |
| Noninterest expense to average assets | 3.5632% | 1,871 |
| Loan and lease loss provision to assets | 0.1838% | 5,205 |
| Net operating income to assets | 1.3715% | 1,165 |
| Return on assets (ROA) | 1.3715% | 1,247 |
| Pretax return on assets | 1.3715% | 1,962 |
| Return on Equity (ROE) | 9.7385% | 2,234 |
| Retained earnings to average equity (ytd only) | 0.0725% | 5,749 |
| Net charge-offs to loans | 0.3328% | 3,995 |
| Credit loss provision to net charge-offs | 96.4286% | 4,495 |
| Earnings coverage of net charge-offs (x) | 8.1613% | 2,203 |
| Efficiency ratio | 69.6144% | 4,150 |
| Assets per employee ($millions) | 3.0577% | 6,008 |
| Cash dividends to net income (ytd only)* | 99.2556% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6445% | 3,349 |
| Loan loss allowance to noncurrent loans | 194.0860% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 1.1371% | 4,846 |
| Noncurrent loans to loans | 0.8473% | 5,528 |
| Net loans and leases to total assets | 54.3170% | 5,799 |
| Net loans and leases to deposits | 63.6865% | 5,951 |
| Net loans and leases to core deposits | 67.9475% | 5,947 |
| Total domestic deposits to total assets | 85.2881% | 3,470 |
| Equity capital to assets | 14.2717% | 1,092 |
| Core capital (leverage) ratio | 13.8144% | 961 |
| Tier 1 risk-based capital ratio | 22.5717% | 1,120 |
| Total risk-based capital ratio | 23.8241% | 1,093 |
| Memoranda: | ||
| Average total assets | $39,177,250 | 6,974 |
| Average earning assets | $33,957,000 | 7,027 |
| Average equity | $5,517,500 | 6,586 |
| Average total loans | $22,435,500 | 6,886 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1971% | 628 |
| Cost of funding earning assets | 1.2441% | 4,871 |
| Net interest margin | 4.9530% | 468 |
| Noninterest income to average assets | 0.7952% | 2,144 |
| Noninterest expense to average assets | 3.5654% | 1,867 |
| Loan and lease loss provision to assets | 0.1847% | 5,026 |
| Net operating income to assets | 1.3954% | 1,102 |
| Return on assets (ROA) | 1.3954% | 1,166 |
| Pretax return on assets | 1.3954% | 1,850 |
| Return on Equity (ROE) | 9.9530% | 2,125 |
| Retained earnings to average equity (ytd only) | -4.6838% | 6,516 |
| Net charge-offs to loans | 0.4071% | 3,354 |
| Credit loss provision to net charge-offs | 78.2609% | 4,758 |
| Earnings coverage of net charge-offs (x) | 6.6957% | 2,417 |
| Efficiency ratio | 69.2921% | 4,320 |
| Assets per employee ($millions) | 2.2202% | 7,419 |
| Cash dividends to net income (ytd only)* | 147.0588% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5659% | 3,607 |
| Loan loss allowance to noncurrent loans | 371.5789% | 806 |
| Noncurrent assets plus other real estate owned to assets | 1.1135% | 4,904 |
| Noncurrent loans to loans | 0.4214% | 6,401 |
| Net loans and leases to total assets | 55.5250% | 5,779 |
| Net loans and leases to deposits | 64.7165% | 5,950 |
| Net loans and leases to core deposits | 64.7165% | 6,340 |
| Total domestic deposits to total assets | 85.7972% | 3,206 |
| Equity capital to assets | 13.8800% | 1,213 |
| Core capital (leverage) ratio | 13.4328% | 1,083 |
| Tier 1 risk-based capital ratio | 21.6343% | 1,252 |
| Total risk-based capital ratio | 22.8851% | 1,230 |
| Memoranda: | ||
| Average total assets | $38,986,330 | 7,029 |
| Average earning assets | $34,241,670 | 7,074 |
| Average equity | $5,465,670 | 6,627 |
| Average total loans | $22,596,670 | 6,931 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2137% | 626 |
| Cost of funding earning assets | 1.2803% | 4,925 |
| Net interest margin | 4.9333% | 483 |
| Noninterest income to average assets | 0.7169% | 2,489 |
| Noninterest expense to average assets | 3.6054% | 1,725 |
| Loan and lease loss provision to assets | 0.1870% | 4,638 |
| Net operating income to assets | 1.2884% | 1,325 |
| Return on assets (ROA) | 1.2884% | 1,396 |
| Pretax return on assets | 1.2884% | 2,080 |
| Return on Equity (ROE) | 9.1429% | 2,444 |
| Retained earnings to average equity (ytd only) | -20.3502% | 7,383 |
| Net charge-offs to loans | -0.0354% | 7,245 |
| Credit loss provision to net charge-offs | -900.0000% | 6,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9611% | 4,126 |
| Assets per employee ($millions) | 2.1596% | 7,575 |
| Cash dividends to net income (ytd only)* | 322.5806% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6851% | 3,119 |
| Loan loss allowance to noncurrent loans | 203.7234% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.7280% | 5,707 |
| Noncurrent loans to loans | 0.8272% | 5,656 |
| Net loans and leases to total assets | 57.4835% | 5,528 |
| Net loans and leases to deposits | 66.7752% | 5,736 |
| Net loans and leases to core deposits | 72.4053% | 5,663 |
| Total domestic deposits to total assets | 86.0851% | 3,105 |
| Equity capital to assets | 13.7040% | 1,240 |
| Core capital (leverage) ratio | 13.2089% | 1,155 |
| Tier 1 risk-based capital ratio | 20.6807% | 1,395 |
| Total risk-based capital ratio | 21.9353% | 1,369 |
| Memoranda: | ||
| Average total assets | $38,497,500 | 7,138 |
| Average earning assets | $34,054,000 | 7,162 |
| Average equity | $5,425,000 | 6,700 |
| Average total loans | $22,623,500 | 7,012 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7388% | 427 |
| Cost of funding earning assets | 1.4765% | 5,602 |
| Net interest margin | 5.2623% | 257 |
| Noninterest income to average assets | 0.8230% | 2,296 |
| Noninterest expense to average assets | 3.6278% | 2,083 |
| Loan and lease loss provision to assets | 0.3307% | 4,831 |
| Net operating income to assets | 1.5704% | 581 |
| Return on assets (ROA) | 1.5704% | 627 |
| Pretax return on assets | 1.5704% | 1,030 |
| Return on Equity (ROE) | 11.1530% | 1,386 |
| Retained earnings to average equity (ytd only) | 2.8299% | 3,184 |
| Net charge-offs to loans | 0.3075% | 4,709 |
| Credit loss provision to net charge-offs | 176.3889% | 2,379 |
| Earnings coverage of net charge-offs (x) | 10.1389% | 1,718 |
| Efficiency ratio | 65.6147% | 5,469 |
| Assets per employee ($millions) | 2.1179% | 7,640 |
| Cash dividends to net income (ytd only)* | 74.6269% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 3,233 |
| Loan loss allowance to noncurrent loans | 844.1860% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.1416% | 7,124 |
| Noncurrent loans to loans | 0.1909% | 6,945 |
| Net loans and leases to total assets | 58.1171% | 5,648 |
| Net loans and leases to deposits | 68.0927% | 5,812 |
| Net loans and leases to core deposits | 84.0293% | 5,709 |
| Total domestic deposits to total assets | 85.3501% | 3,385 |
| Equity capital to assets | 14.4873% | 1,028 |
| Core capital (leverage) ratio | 14.0851% | 964 |
| Tier 1 risk-based capital ratio | 22.1582% | 1,132 |
| Total risk-based capital ratio | 23.4130% | 1,107 |
| Memoranda: | ||
| Average total assets | $38,398,000 | 7,160 |
| Average earning assets | $34,338,600 | 7,173 |
| Average equity | $5,406,600 | 6,801 |
| Average total loans | $23,412,000 | 7,003 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8164% | 406 |
| Cost of funding earning assets | 1.5186% | 5,752 |
| Net interest margin | 5.2978% | 252 |
| Noninterest income to average assets | 0.8249% | 2,316 |
| Noninterest expense to average assets | 3.5424% | 2,164 |
| Loan and lease loss provision to assets | 0.1248% | 6,104 |
| Net operating income to assets | 1.9098% | 351 |
| Return on assets (ROA) | 1.9098% | 378 |
| Pretax return on assets | 1.9098% | 647 |
| Return on Equity (ROE) | 13.6616% | 987 |
| Retained earnings to average equity (ytd only) | 2.5041% | 3,924 |
| Net charge-offs to loans | 0.2369% | 4,569 |
| Credit loss provision to net charge-offs | 85.7143% | 5,601 |
| Earnings coverage of net charge-offs (x) | 13.9759% | 1,632 |
| Efficiency ratio | 63.5177% | 5,839 |
| Assets per employee ($millions) | 2.5361% | 7,170 |
| Cash dividends to net income (ytd only)* | 81.6702% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 4,279 |
| Loan loss allowance to noncurrent loans | 30,200.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 7,560 |
| Noncurrent loans to loans | 0.0044% | 7,524 |
| Net loans and leases to total assets | 58.5879% | 5,798 |
| Net loans and leases to deposits | 68.9327% | 6,034 |
| Net loans and leases to core deposits | 85.7726% | 5,887 |
| Total domestic deposits to total assets | 84.9929% | 3,241 |
| Equity capital to assets | 14.5839% | 1,119 |
| Core capital (leverage) ratio | 13.9425% | 1,108 |
| Tier 1 risk-based capital ratio | 22.9835% | 1,111 |
| Total risk-based capital ratio | 24.2330% | 1,080 |
| Memoranda: | ||
| Average total assets | $38,466,750 | 7,218 |
| Average earning assets | $34,504,000 | 7,228 |
| Average equity | $5,377,500 | 6,877 |
| Average total loans | $23,635,250 | 7,055 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9186% | 368 |
| Cost of funding earning assets | 1.5606% | 5,881 |
| Net interest margin | 5.3580% | 226 |
| Noninterest income to average assets | 0.7770% | 2,536 |
| Noninterest expense to average assets | 3.5381% | 2,226 |
| Loan and lease loss provision to assets | 0.1088% | 6,070 |
| Net operating income to assets | 1.9322% | 349 |
| Return on assets (ROA) | 1.9322% | 380 |
| Pretax return on assets | 1.9322% | 651 |
| Return on Equity (ROE) | 14.0208% | 986 |
| Retained earnings to average equity (ytd only) | -2.8944% | 5,949 |
| Net charge-offs to loans | 0.3252% | 3,555 |
| Credit loss provision to net charge-offs | 53.8462% | 5,701 |
| Earnings coverage of net charge-offs (x) | 10.1026% | 2,034 |
| Efficiency ratio | 63.4169% | 6,022 |
| Assets per employee ($millions) | 2.5219% | 7,208 |
| Cash dividends to net income (ytd only)* | 120.6434% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 4,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 7,614 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 59.7970% | 5,714 |
| Net loans and leases to deposits | 69.4547% | 6,050 |
| Net loans and leases to core deposits | 85.5975% | 5,949 |
| Total domestic deposits to total assets | 86.0950% | 2,734 |
| Equity capital to assets | 13.5402% | 1,480 |
| Core capital (leverage) ratio | 13.3029% | 1,326 |
| Tier 1 risk-based capital ratio | 20.7511% | 1,437 |
| Total risk-based capital ratio | 21.9185% | 1,409 |
| Memoranda: | ||
| Average total assets | $38,608,330 | 7,272 |
| Average earning assets | $34,602,330 | 7,287 |
| Average equity | $5,320,670 | 6,955 |
| Average total loans | $23,983,670 | 7,088 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7605% | 515 |
| Cost of funding earning assets | 1.5462% | 6,255 |
| Net interest margin | 5.2143% | 274 |
| Noninterest income to average assets | 0.7385% | 2,665 |
| Noninterest expense to average assets | 3.3745% | 2,434 |
| Loan and lease loss provision to assets | 0.1128% | 5,520 |
| Net operating income to assets | 1.9898% | 357 |
| Return on assets (ROA) | 1.9898% | 406 |
| Pretax return on assets | 1.9898% | 673 |
| Return on Equity (ROE) | 14.3173% | 1,104 |
| Retained earnings to average equity (ytd only) | 14.3173% | 484 |
| Net charge-offs to loans | 0.4241% | 2,404 |
| Credit loss provision to net charge-offs | 42.3077% | 4,788 |
| Earnings coverage of net charge-offs (x) | 7.8846% | 2,281 |
| Efficiency ratio | 61.6105% | 6,126 |
| Assets per employee ($millions) | 2.6109% | 7,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 5,094 |
| Loan loss allowance to noncurrent loans | 976.6667% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 6,990 |
| Noncurrent loans to loans | 0.1181% | 7,188 |
| Net loans and leases to total assets | 64.0911% | 4,972 |
| Net loans and leases to deposits | 74.8561% | 5,365 |
| Net loans and leases to core deposits | 95.2851% | 5,035 |
| Total domestic deposits to total assets | 85.6191% | 2,913 |
| Equity capital to assets | 14.1332% | 1,322 |
| Core capital (leverage) ratio | 13.9093% | 1,207 |
| Tier 1 risk-based capital ratio | 20.2387% | 1,574 |
| Total risk-based capital ratio | 21.3313% | 1,562 |
| Memoranda: | ||
| Average total assets | $38,998,500 | 7,298 |
| Average earning assets | $35,441,000 | 7,285 |
| Average equity | $5,420,000 | 6,970 |
| Average total loans | $24,520,500 | 7,097 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0320% | 1,048 |
| Cost of funding earning assets | 2.2982% | 5,156 |
| Net interest margin | 4.7337% | 900 |
| Noninterest income to average assets | 0.9999% | 1,580 |
| Noninterest expense to average assets | 3.4189% | 2,615 |
| Loan and lease loss provision to assets | 0.0884% | 6,273 |
| Net operating income to assets | 1.8458% | 498 |
| Return on assets (ROA) | 1.8458% | 485 |
| Pretax return on assets | 1.8458% | 857 |
| Return on Equity (ROE) | 14.8126% | 951 |
| Retained earnings to average equity (ytd only) | 6.7072% | 1,261 |
| Net charge-offs to loans | 0.0787% | 5,638 |
| Credit loss provision to net charge-offs | 184.2105% | 2,694 |
| Earnings coverage of net charge-offs (x) | 40.3158% | 922 |
| Efficiency ratio | 63.8679% | 5,587 |
| Assets per employee ($millions) | 2.5889% | 7,030 |
| Cash dividends to net income (ytd only)* | 54.7196% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 3,763 |
| Loan loss allowance to noncurrent loans | 789.7436% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 7,179 |
| Noncurrent loans to loans | 0.1649% | 6,905 |
| Net loans and leases to total assets | 60.1020% | 5,896 |
| Net loans and leases to deposits | 71.6919% | 6,093 |
| Net loans and leases to core deposits | 88.8567% | 5,903 |
| Total domestic deposits to total assets | 83.8338% | 3,408 |
| Equity capital to assets | 13.6607% | 1,547 |
| Core capital (leverage) ratio | 13.4899% | 1,390 |
| Tier 1 risk-based capital ratio | 20.7981% | 1,483 |
| Total risk-based capital ratio | 22.0222% | 1,469 |
| Memoranda: | ||
| Average total assets | $39,603,200 | 7,232 |
| Average earning assets | $36,419,400 | 7,220 |
| Average equity | $4,935,000 | 7,167 |
| Average total loans | $24,139,600 | 7,070 |