Home > The State Bank of Spring Hill > Performance and Condition Ratios
The State Bank of Spring Hill, 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 | 3.5634% | 4,372 |
| Cost of funding earning assets | 0.3416% | 4,346 |
| Net interest margin | 3.2218% | 2,827 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 1.8625% | 3,905 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.9921% | 2,249 |
| Return on assets (ROA) | 0.9796% | 2,268 |
| Pretax return on assets | 1.2950% | 1,880 |
| Return on Equity (ROE) | 25.6100% | 293 |
| Retained earnings to average equity (ytd only) | 21.4671% | 115 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 57.8248% | 3,314 |
| Assets per employee ($millions) | 8.4323% | 1,208 |
| Cash dividends to net income (ytd only)* | 16.1812% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9711% | 396 |
| 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 | 18.9600% | 4,410 |
| Net loans and leases to deposits | 20.0534% | 4,427 |
| Net loans and leases to core deposits | 20.2633% | 4,452 |
| Total domestic deposits to total assets | 94.5400% | 80 |
| Equity capital to assets | 5.4247% | 4,353 |
| Core capital (leverage) ratio | 7.8004% | 4,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5388% | 320 |
| Memoranda: | ||
| Average total assets | $63,087,800 | 4,179 |
| Average earning assets | $61,177,200 | 4,121 |
| Average equity | $2,413,000 | 4,463 |
| Average total loans | $11,808,400 | 4,395 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4286% | 4,409 |
| Cost of funding earning assets | 0.2984% | 4,363 |
| Net interest margin | 3.1302% | 3,082 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 1.7659% | 4,034 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.9942% | 2,378 |
| Return on assets (ROA) | 0.9942% | 2,367 |
| Pretax return on assets | 1.3124% | 1,998 |
| Return on Equity (ROE) | 28.7600% | 251 |
| Retained earnings to average equity (ytd only) | 28.7631% | 100 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.2252% | 3,386 |
| Assets per employee ($millions) | 9.1549% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0576% | 358 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 16.7100% | 4,450 |
| Net loans and leases to deposits | 17.3855% | 4,461 |
| Net loans and leases to core deposits | 17.5487% | 4,450 |
| Total domestic deposits to total assets | 96.1300% | 74 |
| Equity capital to assets | 3.6031% | 4,448 |
| Core capital (leverage) ratio | 7.8010% | 4,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1813% | 347 |
| Memoranda: | ||
| Average total assets | $64,103,250 | 4,189 |
| Average earning assets | $62,103,750 | 4,134 |
| Average equity | $2,215,750 | 4,494 |
| Average total loans | $11,906,750 | 4,413 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3348% | 4,444 |
| Cost of funding earning assets | 0.2253% | 4,400 |
| Net interest margin | 3.1094% | 3,205 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 1.7626% | 4,066 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.9765% | 2,500 |
| Return on assets (ROA) | 0.9765% | 2,488 |
| Pretax return on assets | 1.2884% | 2,116 |
| Return on Equity (ROE) | 28.6500% | 247 |
| Retained earnings to average equity (ytd only) | 28.6543% | 86 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.0516% | 3,406 |
| Assets per employee ($millions) | 11.4935% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9688% | 441 |
| 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 | 16.2500% | 4,480 |
| Net loans and leases to deposits | 16.8616% | 4,490 |
| Net loans and leases to core deposits | 16.9434% | 4,482 |
| Total domestic deposits to total assets | 96.3500% | 52 |
| Equity capital to assets | 3.4962% | 4,546 |
| Core capital (leverage) ratio | 7.3745% | 4,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4246% | 463 |
| Memoranda: | ||
| Average total assets | $64,109,667 | 4,207 |
| Average earning assets | $62,133,333 | 4,159 |
| Average equity | $2,184,667 | 4,534 |
| Average total loans | $12,230,667 | 4,435 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1520% | 4,511 |
| Cost of funding earning assets | 0.1606% | 4,438 |
| Net interest margin | 2.9914% | 3,624 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 1.9195% | 3,810 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 0.7133% | 3,435 |
| Return on assets (ROA) | 0.7133% | 3,389 |
| Pretax return on assets | 0.9403% | 3,150 |
| Return on Equity (ROE) | 21.2400% | 641 |
| Retained earnings to average equity (ytd only) | 21.2406% | 312 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.8450% | 2,590 |
| Assets per employee ($millions) | 10.8812% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8351% | 619 |
| 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 | 18.4400% | 4,533 |
| Net loans and leases to deposits | 19.1354% | 4,546 |
| Net loans and leases to core deposits | 19.2379% | 4,541 |
| Total domestic deposits to total assets | 96.3400% | 41 |
| Equity capital to assets | 3.5689% | 4,570 |
| Core capital (leverage) ratio | 7.7304% | 4,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7777% | 516 |
| Memoranda: | ||
| Average total assets | $61,684,000 | 4,293 |
| Average earning assets | $59,772,000 | 4,237 |
| Average equity | $2,071,500 | 4,607 |
| Average total loans | $12,632,000 | 4,489 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3953% | 4,534 |
| Cost of funding earning assets | 0.1421% | 4,163 |
| Net interest margin | 2.2532% | 4,453 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 1.7946% | 4,038 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.3505% | 4,312 |
| Return on assets (ROA) | 0.3505% | 4,278 |
| Pretax return on assets | 0.4608% | 4,219 |
| Return on Equity (ROE) | 8.4400% | 3,265 |
| Retained earnings to average equity (ytd only) | 4.5320% | 3,224 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.7189% | 807 |
| Assets per employee ($millions) | 7.2601% | 1,780 |
| Cash dividends to net income (ytd only)* | 46.2963% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4997% | 1,203 |
| 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 | 22.0500% | 4,532 |
| Net loans and leases to deposits | 22.7690% | 4,549 |
| Net loans and leases to core deposits | 22.9050% | 4,545 |
| Total domestic deposits to total assets | 96.8500% | 56 |
| Equity capital to assets | 3.1215% | 4,603 |
| Core capital (leverage) ratio | 7.7769% | 4,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8720% | 489 |
| Memoranda: | ||
| Average total assets | $61,630,400 | 4,324 |
| Average earning assets | $59,826,600 | 4,262 |
| Average equity | $2,559,600 | 4,641 |
| Average total loans | $12,220,800 | 4,527 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1681% | 4,569 |
| Cost of funding earning assets | 0.1339% | 3,999 |
| Net interest margin | 2.0343% | 4,543 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 1.7701% | 4,037 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2282% | 4,448 |
| Return on assets (ROA) | 0.2282% | 4,414 |
| Pretax return on assets | 0.3007% | 4,375 |
| Return on Equity (ROE) | 5.1900% | 3,945 |
| Retained earnings to average equity (ytd only) | 5.1948% | 3,027 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 85.4789% | 481 |
| Assets per employee ($millions) | 7.4606% | 1,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6526% | 960 |
| 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 | 17.9500% | 4,604 |
| Net loans and leases to deposits | 18.4734% | 4,618 |
| Net loans and leases to core deposits | 18.5850% | 4,608 |
| Total domestic deposits to total assets | 97.1500% | 77 |
| Equity capital to assets | 2.5785% | 4,622 |
| Core capital (leverage) ratio | 7.5190% | 4,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7213% | 296 |
| Memoranda: | ||
| Average total assets | $62,517,750 | 4,347 |
| Average earning assets | $60,757,000 | 4,282 |
| Average equity | $2,746,250 | 4,671 |
| Average total loans | $12,025,250 | 4,562 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9889% | 4,625 |
| Cost of funding earning assets | 0.1294% | 3,847 |
| Net interest margin | 1.8595% | 4,608 |
| Noninterest income to average assets | 0.0945% | 4,509 |
| Noninterest expense to average assets | 1.7428% | 4,067 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1261% | 4,492 |
| Return on assets (ROA) | 0.1261% | 4,460 |
| Pretax return on assets | 0.1639% | 4,439 |
| Return on Equity (ROE) | 2.5408% | 4,287 |
| Retained earnings to average equity (ytd only) | 2.5408% | 3,608 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4050% | 355 |
| Assets per employee ($millions) | 7.1106% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4294% | 1,639 |
| 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 | 19.3968% | 4,660 |
| Net loans and leases to deposits | 20.1346% | 4,672 |
| Net loans and leases to core deposits | 20.2486% | 4,674 |
| Total domestic deposits to total assets | 96.3357% | 68 |
| Equity capital to assets | 3.5003% | 4,666 |
| Core capital (leverage) ratio | 7.2519% | 4,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6673% | 564 |
| Memoranda: | ||
| Average total assets | $63,462,000 | 4,381 |
| Average earning assets | $61,843,000 | 4,325 |
| Average equity | $3,148,667 | 4,677 |
| Average total loans | $12,403,000 | 4,617 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8405% | 4,659 |
| Cost of funding earning assets | 0.1296% | 3,780 |
| Net interest margin | 1.7109% | 4,642 |
| Noninterest income to average assets | 0.1139% | 4,439 |
| Noninterest expense to average assets | 1.7216% | 4,106 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0696% | 4,497 |
| Return on assets (ROA) | 0.0696% | 4,476 |
| Pretax return on assets | 0.0633% | 4,478 |
| Return on Equity (ROE) | 1.2212% | 4,386 |
| Retained earnings to average equity (ytd only) | 1.2212% | 3,769 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4539% | 319 |
| Assets per employee ($millions) | 6.7880% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 1,876 |
| 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 | 20.6377% | 4,660 |
| Net loans and leases to deposits | 21.7080% | 4,681 |
| Net loans and leases to core deposits | 21.8385% | 4,685 |
| Total domestic deposits to total assets | 95.0697% | 37 |
| Equity capital to assets | 4.8255% | 4,736 |
| Core capital (leverage) ratio | 7.1298% | 4,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1191% | 426 |
| Memoranda: | ||
| Average total assets | $63,195,500 | 4,404 |
| Average earning assets | $61,722,000 | 4,351 |
| Average equity | $3,603,000 | 4,680 |
| Average total loans | $12,308,000 | 4,647 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1369% | 4,642 |
| Cost of funding earning assets | 0.1506% | 3,973 |
| Net interest margin | 1.9863% | 4,606 |
| Noninterest income to average assets | 0.1070% | 4,575 |
| Noninterest expense to average assets | 1.9976% | 3,683 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0421% | 4,665 |
| Return on assets (ROA) | 0.0421% | 4,671 |
| Pretax return on assets | 0.0526% | 4,668 |
| Return on Equity (ROE) | 0.5286% | 4,655 |
| Retained earnings to average equity (ytd only) | 0.5286% | 4,369 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4337% | 178 |
| Assets per employee ($millions) | 7.2554% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5218% | 1,478 |
| Loan loss allowance to noncurrent loans | 9,000.0000% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 4,152 |
| Noncurrent loans to loans | 0.0169% | 3,957 |
| Net loans and leases to total assets | 17.8379% | 4,735 |
| Net loans and leases to deposits | 19.0948% | 4,750 |
| Net loans and leases to core deposits | 19.2040% | 4,748 |
| Total domestic deposits to total assets | 93.4180% | 26 |
| Equity capital to assets | 6.5208% | 4,786 |
| Core capital (leverage) ratio | 6.6503% | 4,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6790% | 794 |
| Memoranda: | ||
| Average total assets | $57,019,800 | 4,490 |
| Average earning assets | $55,783,000 | 4,443 |
| Average equity | $4,540,000 | 4,666 |
| Average total loans | $11,302,000 | 4,709 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2952% | 4,674 |
| Cost of funding earning assets | 0.1563% | 4,053 |
| Net interest margin | 2.1389% | 4,606 |
| Noninterest income to average assets | 0.1165% | 4,593 |
| Noninterest expense to average assets | 2.0624% | 3,479 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1140% | 4,688 |
| Return on assets (ROA) | 0.1140% | 4,705 |
| Pretax return on assets | 0.1456% | 4,693 |
| Return on Equity (ROE) | 1.3592% | 4,659 |
| Retained earnings to average equity (ytd only) | 1.3592% | 4,338 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4066% | 241 |
| Assets per employee ($millions) | 6.1054% | 2,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5616% | 1,432 |
| Loan loss allowance to noncurrent loans | 3,000.0000% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 4,155 |
| Noncurrent loans to loans | 0.0521% | 3,852 |
| Net loans and leases to total assets | 20.6501% | 4,788 |
| Net loans and leases to deposits | 22.6365% | 4,806 |
| Net loans and leases to core deposits | 22.8012% | 4,804 |
| Total domestic deposits to total assets | 91.2246% | 305 |
| Equity capital to assets | 8.2513% | 4,384 |
| Core capital (leverage) ratio | 7.5274% | 4,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1586% | 679 |
| Memoranda: | ||
| Average total assets | $54,950,000 | 4,570 |
| Average earning assets | $53,733,500 | 4,523 |
| Average equity | $4,610,500 | 4,729 |
| Average total loans | $11,170,500 | 4,785 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3559% | 4,695 |
| Cost of funding earning assets | 0.1563% | 4,153 |
| Net interest margin | 2.1996% | 4,602 |
| Noninterest income to average assets | 0.1165% | 4,617 |
| Noninterest expense to average assets | 2.0637% | 3,510 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1601% | 4,660 |
| Return on assets (ROA) | 0.1601% | 4,682 |
| Pretax return on assets | 0.2038% | 4,665 |
| Return on Equity (ROE) | 1.8982% | 4,607 |
| Retained earnings to average equity (ytd only) | 1.8982% | 4,139 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0112% | 313 |
| Assets per employee ($millions) | 6.7747% | 1,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6815% | 1,105 |
| Loan loss allowance to noncurrent loans | 3,000.0000% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 4,240 |
| Noncurrent loans to loans | 0.0560% | 3,898 |
| Net loans and leases to total assets | 17.2620% | 4,855 |
| Net loans and leases to deposits | 18.7434% | 4,862 |
| Net loans and leases to core deposits | 18.8650% | 4,862 |
| Total domestic deposits to total assets | 92.0964% | 110 |
| Equity capital to assets | 7.4838% | 4,745 |
| Core capital (leverage) ratio | 7.6551% | 4,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2614% | 468 |
| Memoranda: | ||
| Average total assets | $54,950,333 | 4,599 |
| Average earning assets | $53,738,000 | 4,553 |
| Average equity | $4,636,000 | 4,756 |
| Average total loans | $11,051,667 | 4,821 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4725% | 4,663 |
| Cost of funding earning assets | 0.1654% | 4,195 |
| Net interest margin | 2.3071% | 4,515 |
| Noninterest income to average assets | 0.1386% | 4,513 |
| Noninterest expense to average assets | 2.2488% | 2,951 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1155% | 4,703 |
| Return on assets (ROA) | 0.1155% | 4,717 |
| Pretax return on assets | 0.1463% | 4,707 |
| Return on Equity (ROE) | 1.2841% | 4,683 |
| Retained earnings to average equity (ytd only) | 1.2841% | 4,160 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8907% | 287 |
| Assets per employee ($millions) | 5.4063% | 3,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6177% | 1,243 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 20.2486% | 4,856 |
| Net loans and leases to deposits | 22.2188% | 4,867 |
| Net loans and leases to core deposits | 22.3833% | 4,871 |
| Total domestic deposits to total assets | 91.1326% | 356 |
| Equity capital to assets | 8.3884% | 4,201 |
| Core capital (leverage) ratio | 8.1453% | 4,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1159% | 351 |
| Memoranda: | ||
| Average total assets | $51,939,500 | 4,650 |
| Average earning assets | $50,799,000 | 4,605 |
| Average equity | $4,672,500 | 4,776 |
| Average total loans | $11,225,000 | 4,841 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8307% | 4,736 |
| Cost of funding earning assets | 0.1968% | 4,591 |
| Net interest margin | 2.6339% | 4,456 |
| Noninterest income to average assets | 0.1244% | 4,652 |
| Noninterest expense to average assets | 2.2865% | 3,441 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3121% | 4,418 |
| Return on assets (ROA) | 0.3121% | 4,489 |
| Pretax return on assets | 0.4039% | 4,413 |
| Return on Equity (ROE) | 3.1951% | 4,326 |
| Retained earnings to average equity (ytd only) | 1.1068% | 4,186 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9886% | 566 |
| Assets per employee ($millions) | 4.9816% | 3,412 |
| Cash dividends to net income (ytd only)* | 65.3595% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5897% | 1,323 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 22.3683% | 4,869 |
| Net loans and leases to deposits | 24.9295% | 4,880 |
| Net loans and leases to core deposits | 25.1382% | 4,881 |
| Total domestic deposits to total assets | 89.7262% | 671 |
| Equity capital to assets | 9.6555% | 3,451 |
| Core capital (leverage) ratio | 8.4942% | 4,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1861% | 426 |
| Memoranda: | ||
| Average total assets | $49,027,800 | 4,669 |
| Average earning assets | $47,762,200 | 4,615 |
| Average equity | $4,788,600 | 4,775 |
| Average total loans | $11,735,600 | 4,864 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9339% | 4,778 |
| Cost of funding earning assets | 0.2020% | 4,670 |
| Net interest margin | 2.7320% | 4,423 |
| Noninterest income to average assets | 0.1283% | 4,648 |
| Noninterest expense to average assets | 2.2881% | 3,450 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3850% | 4,293 |
| Return on assets (ROA) | 0.3850% | 4,355 |
| Pretax return on assets | 0.4997% | 4,278 |
| Return on Equity (ROE) | 3.9303% | 4,174 |
| Retained earnings to average equity (ytd only) | 2.5366% | 3,721 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0764% | 731 |
| Assets per employee ($millions) | 4.8540% | 3,424 |
| Cash dividends to net income (ytd only)* | 35.4610% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5690% | 1,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 23.2633% | 4,900 |
| Net loans and leases to deposits | 26.1480% | 4,917 |
| Net loans and leases to core deposits | 26.5638% | 4,915 |
| Total domestic deposits to total assets | 88.9679% | 783 |
| Equity capital to assets | 10.0783% | 3,160 |
| Core capital (leverage) ratio | 8.9065% | 3,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0743% | 361 |
| Memoranda: | ||
| Average total assets | $48,830,750 | 4,689 |
| Average earning assets | $47,534,500 | 4,646 |
| Average equity | $4,783,250 | 4,803 |
| Average total loans | $11,838,750 | 4,892 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1163% | 4,781 |
| Cost of funding earning assets | 0.2061% | 4,752 |
| Net interest margin | 2.9103% | 4,293 |
| Noninterest income to average assets | 0.1390% | 4,608 |
| Noninterest expense to average assets | 2.2768% | 3,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5314% | 3,930 |
| Return on assets (ROA) | 0.5314% | 4,010 |
| Pretax return on assets | 0.6908% | 3,891 |
| Return on Equity (ROE) | 5.4771% | 3,683 |
| Retained earnings to average equity (ytd only) | 5.4771% | 2,282 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7218% | 1,191 |
| Assets per employee ($millions) | 5.3962% | 2,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 1,399 |
| 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 | 22.6419% | 4,937 |
| Net loans and leases to deposits | 25.1161% | 4,957 |
| Net loans and leases to core deposits | 25.4696% | 4,957 |
| Total domestic deposits to total assets | 90.1486% | 362 |
| Equity capital to assets | 9.1027% | 3,997 |
| Core capital (leverage) ratio | 8.9073% | 4,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4739% | 473 |
| Memoranda: | ||
| Average total assets | $48,927,667 | 4,705 |
| Average earning assets | $47,556,000 | 4,662 |
| Average equity | $4,747,000 | 4,832 |
| Average total loans | $11,961,000 | 4,922 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3302% | 4,793 |
| Cost of funding earning assets | 0.2126% | 4,866 |
| Net interest margin | 3.1176% | 4,055 |
| Noninterest income to average assets | 0.1982% | 4,366 |
| Noninterest expense to average assets | 2.4994% | 3,267 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5602% | 3,710 |
| Return on assets (ROA) | 0.5602% | 3,776 |
| Pretax return on assets | 0.7326% | 3,588 |
| Return on Equity (ROE) | 5.5740% | 3,458 |
| Retained earnings to average equity (ytd only) | 5.5740% | 2,040 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3333% | 1,419 |
| Assets per employee ($millions) | 4.7157% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4970% | 1,355 |
| 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 | 25.1161% | 4,967 |
| Net loans and leases to deposits | 28.1591% | 4,990 |
| Net loans and leases to core deposits | 28.6170% | 4,996 |
| Total domestic deposits to total assets | 89.1935% | 587 |
| Equity capital to assets | 10.0494% | 3,730 |
| Core capital (leverage) ratio | 9.4798% | 4,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8771% | 448 |
| Memoranda: | ||
| Average total assets | $46,410,500 | 4,762 |
| Average earning assets | $45,163,000 | 4,718 |
| Average equity | $4,664,500 | 4,878 |
| Average total loans | $11,742,500 | 4,967 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7094% | 4,669 |
| Cost of funding earning assets | 0.1999% | 4,968 |
| Net interest margin | 3.5095% | 3,419 |
| Noninterest income to average assets | 0.3247% | 3,746 |
| Noninterest expense to average assets | 2.5844% | 3,223 |
| Loan and lease loss provision to assets | 0.3494% | 440 |
| Net operating income to assets | 0.5957% | 4,172 |
| Return on assets (ROA) | 0.5957% | 4,231 |
| Pretax return on assets | 0.7726% | 4,038 |
| Return on Equity (ROE) | 5.9641% | 3,930 |
| Retained earnings to average equity (ytd only) | 3.7220% | 3,127 |
| Net charge-offs to loans | 1.5160% | 90 |
| Credit loss provision to net charge-offs | 77.6119% | 2,826 |
| Earnings coverage of net charge-offs (x) | 2.4925% | 3,412 |
| Efficiency ratio | 69.7281% | 2,213 |
| Assets per employee ($millions) | 4.5664% | 3,127 |
| Cash dividends to net income (ytd only)* | 37.5940% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5705% | 1,048 |
| 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 | 24.7044% | 5,033 |
| Net loans and leases to deposits | 27.6339% | 5,052 |
| Net loans and leases to core deposits | 28.0964% | 5,057 |
| Total domestic deposits to total assets | 89.3987% | 527 |
| Equity capital to assets | 10.0517% | 3,868 |
| Core capital (leverage) ratio | 9.4449% | 4,116 |
| Tier 1 risk-based capital ratio | 24.0472% | 825 |
| Total risk-based capital ratio | 25.0175% | 834 |
| Memoranda: | ||
| Average total assets | $44,652,000 | 4,838 |
| Average earning assets | $43,025,600 | 4,799 |
| Average equity | $4,460,000 | 4,950 |
| Average total loans | $13,259,000 | 4,998 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8393% | 4,624 |
| Cost of funding earning assets | 0.1938% | 5,046 |
| Net interest margin | 3.6455% | 3,111 |
| Noninterest income to average assets | 0.2132% | 4,448 |
| Noninterest expense to average assets | 2.5826% | 3,210 |
| Loan and lease loss provision to assets | 0.4384% | 293 |
| Net operating income to assets | 0.5375% | 4,433 |
| Return on assets (ROA) | 0.5375% | 4,489 |
| Pretax return on assets | 0.6937% | 4,359 |
| Return on Equity (ROE) | 5.3904% | 4,219 |
| Retained earnings to average equity (ytd only) | 5.3904% | 2,680 |
| Net charge-offs to loans | 2.1981% | 51 |
| Credit loss provision to net charge-offs | 64.6018% | 2,673 |
| Earnings coverage of net charge-offs (x) | 1.6681% | 3,268 |
| Efficiency ratio | 69.5230% | 2,187 |
| Assets per employee ($millions) | 4.5148% | 3,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 2,814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5427% | 2,382 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 27.7908% | 5,094 |
| Net loans and leases to deposits | 31.2558% | 5,117 |
| Net loans and leases to core deposits | 31.8000% | 5,121 |
| Total domestic deposits to total assets | 88.9142% | 642 |
| Equity capital to assets | 10.2552% | 3,773 |
| Core capital (leverage) ratio | 9.2205% | 4,463 |
| Tier 1 risk-based capital ratio | 22.7909% | 968 |
| Total risk-based capital ratio | 23.5294% | 1,007 |
| Memoranda: | ||
| Average total assets | $44,399,000 | 4,908 |
| Average earning assets | $42,645,500 | 4,872 |
| Average equity | $4,427,500 | 5,020 |
| Average total loans | $13,708,500 | 5,067 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7554% | 4,763 |
| Cost of funding earning assets | 0.1892% | 5,098 |
| Net interest margin | 3.5662% | 3,376 |
| Noninterest income to average assets | 0.2129% | 4,466 |
| Noninterest expense to average assets | 2.6501% | 3,060 |
| Loan and lease loss provision to assets | 0.5345% | 211 |
| Net operating income to assets | 0.3488% | 4,805 |
| Return on assets (ROA) | 0.3488% | 4,822 |
| Pretax return on assets | 0.4439% | 4,769 |
| Return on Equity (ROE) | 3.5321% | 4,680 |
| Retained earnings to average equity (ytd only) | 3.5321% | 3,477 |
| Net charge-offs to loans | 2.0360% | 50 |
| Credit loss provision to net charge-offs | 82.5175% | 2,203 |
| Earnings coverage of net charge-offs (x) | 1.5105% | 3,011 |
| Efficiency ratio | 73.0337% | 1,771 |
| Assets per employee ($millions) | 4.4383% | 3,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 1,716 |
| Loan loss allowance to noncurrent loans | 228.7356% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.7480% | 1,863 |
| Noncurrent loans to loans | 0.6010% | 2,470 |
| Net loans and leases to total assets | 32.1655% | 5,071 |
| Net loans and leases to deposits | 36.0797% | 5,106 |
| Net loans and leases to core deposits | 36.7143% | 5,118 |
| Total domestic deposits to total assets | 89.1513% | 606 |
| Equity capital to assets | 10.1368% | 3,849 |
| Core capital (leverage) ratio | 9.7414% | 3,893 |
| Tier 1 risk-based capital ratio | 21.2974% | 1,141 |
| Total risk-based capital ratio | 22.2666% | 1,160 |
| Memoranda: | ||
| Average total assets | $44,149,330 | 4,952 |
| Average earning assets | $42,286,330 | 4,917 |
| Average equity | $4,360,000 | 5,062 |
| Average total loans | $14,047,330 | 5,109 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7425% | 4,792 |
| Cost of funding earning assets | 0.1814% | 5,155 |
| Net interest margin | 3.5611% | 3,398 |
| Noninterest income to average assets | 0.2180% | 4,446 |
| Noninterest expense to average assets | 2.6526% | 3,051 |
| Loan and lease loss provision to assets | 0.1363% | 1,271 |
| Net operating income to assets | 0.6359% | 4,135 |
| Return on assets (ROA) | 0.6359% | 4,174 |
| Pretax return on assets | 0.8176% | 4,002 |
| Return on Equity (ROE) | 6.5260% | 3,833 |
| Retained earnings to average equity (ytd only) | 6.5260% | 2,237 |
| Net charge-offs to loans | -0.0578% | 4,871 |
| Credit loss provision to net charge-offs | -750.0000% | 3,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5516% | 1,808 |
| Assets per employee ($millions) | 4.7066% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6936% | 873 |
| Loan loss allowance to noncurrent loans | 60.7053% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 2.4094% | 333 |
| Noncurrent loans to loans | 2.7899% | 425 |
| Net loans and leases to total assets | 29.7221% | 5,154 |
| Net loans and leases to deposits | 32.9712% | 5,181 |
| Net loans and leases to core deposits | 33.6914% | 5,193 |
| Total domestic deposits to total assets | 90.1458% | 400 |
| Equity capital to assets | 9.2870% | 4,447 |
| Core capital (leverage) ratio | 9.6623% | 3,957 |
| Tier 1 risk-based capital ratio | 20.3306% | 1,276 |
| Total risk-based capital ratio | 21.4529% | 1,272 |
| Memoranda: | ||
| Average total assets | $44,032,500 | 5,004 |
| Average earning assets | $41,897,500 | 4,976 |
| Average equity | $4,290,500 | 5,114 |
| Average total loans | $13,833,500 | 5,168 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4981% | 4,916 |
| Cost of funding earning assets | 0.1446% | 5,191 |
| Net interest margin | 3.3535% | 4,120 |
| Noninterest income to average assets | 0.2361% | 4,505 |
| Noninterest expense to average assets | 2.6165% | 3,284 |
| Loan and lease loss provision to assets | 0.0265% | 3,647 |
| Net operating income to assets | 0.5912% | 4,442 |
| Return on assets (ROA) | 0.5912% | 4,450 |
| Pretax return on assets | 0.7655% | 4,252 |
| Return on Equity (ROE) | 6.4850% | 4,010 |
| Retained earnings to average equity (ytd only) | 4.0652% | 3,326 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7638% | 1,257 |
| Assets per employee ($millions) | 4.0999% | 3,748 |
| Cash dividends to net income (ytd only)* | 37.3134% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6745% | 877 |
| Loan loss allowance to noncurrent loans | 113.6364% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 2.2805% | 368 |
| Noncurrent loans to loans | 1.4735% | 1,041 |
| Net loans and leases to total assets | 32.2252% | 5,166 |
| Net loans and leases to deposits | 36.0481% | 5,196 |
| Net loans and leases to core deposits | 37.3052% | 5,205 |
| Total domestic deposits to total assets | 89.3949% | 698 |
| Equity capital to assets | 10.2685% | 3,411 |
| Core capital (leverage) ratio | 10.0068% | 3,567 |
| Tier 1 risk-based capital ratio | 21.4832% | 1,098 |
| Total risk-based capital ratio | 22.6084% | 1,097 |
| Memoranda: | ||
| Average total assets | $45,328,000 | 5,026 |
| Average earning assets | $42,880,600 | 4,995 |
| Average equity | $4,132,600 | 5,163 |
| Average total loans | $14,391,200 | 5,208 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3975% | 5,037 |
| Cost of funding earning assets | 0.1365% | 5,255 |
| Net interest margin | 3.2610% | 4,381 |
| Noninterest income to average assets | 0.2499% | 4,479 |
| Noninterest expense to average assets | 2.3529% | 3,970 |
| Loan and lease loss provision to assets | 0.0259% | 3,497 |
| Net operating income to assets | 0.7383% | 4,115 |
| Return on assets (ROA) | 0.7383% | 4,124 |
| Pretax return on assets | 0.9595% | 3,853 |
| Return on Equity (ROE) | 8.3306% | 3,405 |
| Retained earnings to average equity (ytd only) | 6.7098% | 2,275 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4819% | 2,121 |
| Assets per employee ($millions) | 4.5007% | 3,129 |
| Cash dividends to net income (ytd only)* | 19.4566% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5409% | 1,220 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6040% | 327 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 31.5173% | 5,249 |
| Net loans and leases to deposits | 34.8989% | 5,287 |
| Net loans and leases to core deposits | 36.0044% | 5,299 |
| Total domestic deposits to total assets | 90.3104% | 411 |
| Equity capital to assets | 9.2475% | 4,326 |
| Core capital (leverage) ratio | 9.4998% | 4,172 |
| Tier 1 risk-based capital ratio | 19.8153% | 1,372 |
| Total risk-based capital ratio | 20.8303% | 1,388 |
| Memoranda: | ||
| Average total assets | $46,410,250 | 5,059 |
| Average earning assets | $43,952,750 | 5,027 |
| Average equity | $4,113,250 | 5,230 |
| Average total loans | $14,629,750 | 5,267 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3151% | 5,127 |
| Cost of funding earning assets | 0.1346% | 5,302 |
| Net interest margin | 3.1805% | 4,552 |
| Noninterest income to average assets | 0.2901% | 4,242 |
| Noninterest expense to average assets | 2.3550% | 4,011 |
| Loan and lease loss provision to assets | 0.0256% | 3,406 |
| Net operating income to assets | 0.7210% | 4,134 |
| Return on assets (ROA) | 0.7210% | 4,141 |
| Pretax return on assets | 0.9343% | 3,864 |
| Return on Equity (ROE) | 8.2499% | 3,391 |
| Retained earnings to average equity (ytd only) | 8.2499% | 1,519 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0425% | 2,155 |
| Assets per employee ($millions) | 4.9553% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4293% | 1,646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3329% | 392 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 30.4785% | 5,312 |
| Net loans and leases to deposits | 33.3820% | 5,355 |
| Net loans and leases to core deposits | 34.3273% | 5,364 |
| Total domestic deposits to total assets | 91.3022% | 187 |
| Equity capital to assets | 8.3910% | 5,022 |
| Core capital (leverage) ratio | 9.0677% | 4,627 |
| Tier 1 risk-based capital ratio | 18.2405% | 1,738 |
| Total risk-based capital ratio | 19.1703% | 1,786 |
| Memoranda: | ||
| Average total assets | $46,878,000 | 5,112 |
| Average earning assets | $44,584,000 | 5,078 |
| Average equity | $4,097,000 | 5,286 |
| Average total loans | $14,704,000 | 5,327 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3028% | 5,138 |
| Cost of funding earning assets | 0.1384% | 5,322 |
| Net interest margin | 3.1644% | 4,569 |
| Noninterest income to average assets | 0.2372% | 4,586 |
| Noninterest expense to average assets | 2.4330% | 3,854 |
| Loan and lease loss provision to assets | 0.0264% | 3,176 |
| Net operating income to assets | 0.6148% | 4,378 |
| Return on assets (ROA) | 0.6148% | 4,388 |
| Pretax return on assets | 0.7905% | 4,174 |
| Return on Equity (ROE) | 6.8855% | 3,830 |
| Retained earnings to average equity (ytd only) | 6.8855% | 2,331 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8649% | 1,768 |
| Assets per employee ($millions) | 4.5989% | 2,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 1,428 |
| Loan loss allowance to noncurrent loans | 196.3636% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 2.7920% | 304 |
| Noncurrent loans to loans | 0.7691% | 2,282 |
| Net loans and leases to total assets | 30.6312% | 5,351 |
| Net loans and leases to deposits | 33.6897% | 5,397 |
| Net loans and leases to core deposits | 34.7227% | 5,409 |
| Total domestic deposits to total assets | 90.9217% | 345 |
| Equity capital to assets | 8.8412% | 4,711 |
| Core capital (leverage) ratio | 8.8468% | 4,853 |
| Tier 1 risk-based capital ratio | 18.9575% | 1,559 |
| Total risk-based capital ratio | 19.9331% | 1,597 |
| Memoranda: | ||
| Average total assets | $45,540,500 | 5,198 |
| Average earning assets | $43,357,000 | 5,155 |
| Average equity | $4,066,500 | 5,346 |
| Average total loans | $14,395,000 | 5,392 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3376% | 5,036 |
| Cost of funding earning assets | 0.1259% | 5,382 |
| Net interest margin | 3.2117% | 4,419 |
| Noninterest income to average assets | 0.2330% | 4,737 |
| Noninterest expense to average assets | 2.5995% | 3,444 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4805% | 4,425 |
| Return on assets (ROA) | 0.4805% | 4,462 |
| Pretax return on assets | 0.6967% | 4,516 |
| Return on Equity (ROE) | 4.9032% | 4,203 |
| Retained earnings to average equity (ytd only) | 2.4516% | 3,866 |
| Net charge-offs to loans | 0.0073% | 3,816 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 290.0000% | 297 |
| Efficiency ratio | 78.8630% | 1,243 |
| Assets per employee ($millions) | 4.5092% | 3,167 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4703% | 1,510 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7010% | 755 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 31.6553% | 5,400 |
| Net loans and leases to deposits | 34.8784% | 5,448 |
| Net loans and leases to core deposits | 35.9710% | 5,460 |
| Total domestic deposits to total assets | 90.7589% | 318 |
| Equity capital to assets | 9.0193% | 4,694 |
| Core capital (leverage) ratio | 9.5129% | 4,033 |
| Tier 1 risk-based capital ratio | 18.5525% | 1,634 |
| Total risk-based capital ratio | 19.5100% | 1,675 |
| Memoranda: | ||
| Average total assets | $41,623,800 | 5,308 |
| Average earning assets | $39,699,200 | 5,280 |
| Average equity | $4,079,000 | 5,411 |
| Average total loans | $13,723,600 | 5,472 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2924% | 5,118 |
| Cost of funding earning assets | 0.1270% | 5,442 |
| Net interest margin | 3.1654% | 4,549 |
| Noninterest income to average assets | 0.2388% | 4,776 |
| Noninterest expense to average assets | 2.6105% | 3,382 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4547% | 4,872 |
| Return on assets (ROA) | 0.4547% | 4,898 |
| Pretax return on assets | 0.6445% | 4,747 |
| Return on Equity (ROE) | 4.5402% | 4,696 |
| Retained earnings to average equity (ytd only) | 2.9069% | 4,173 |
| Net charge-offs to loans | 0.0098% | 3,377 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 197.4887% | 440 |
| Efficiency ratio | 80.2010% | 1,079 |
| Assets per employee ($millions) | 3.9568% | 4,059 |
| Cash dividends to net income (ytd only)* | 35.9737% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5551% | 1,348 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6832% | 859 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 34.0780% | 5,414 |
| Net loans and leases to deposits | 38.3090% | 5,453 |
| Net loans and leases to core deposits | 39.7266% | 5,467 |
| Total domestic deposits to total assets | 88.9557% | 908 |
| Equity capital to assets | 10.4529% | 3,420 |
| Core capital (leverage) ratio | 9.2767% | 4,431 |
| Tier 1 risk-based capital ratio | 20.5408% | 1,273 |
| Total risk-based capital ratio | 21.6036% | 1,273 |
| Memoranda: | ||
| Average total assets | $40,756,750 | 5,378 |
| Average earning assets | $38,836,000 | 5,349 |
| Average equity | $4,082,000 | 5,472 |
| Average total loans | $13,532,750 | 5,537 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2339% | 5,198 |
| Cost of funding earning assets | 0.1220% | 5,496 |
| Net interest margin | 3.1119% | 4,649 |
| Noninterest income to average assets | 0.2381% | 4,815 |
| Noninterest expense to average assets | 2.6049% | 3,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4325% | 4,890 |
| Return on assets (ROA) | 0.4325% | 4,916 |
| Pretax return on assets | 0.6075% | 4,786 |
| Return on Equity (ROE) | 4.3799% | 4,700 |
| Retained earnings to average equity (ytd only) | 4.3799% | 3,095 |
| Net charge-offs to loans | 0.0148% | 2,948 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 125.0000% | 562 |
| Efficiency ratio | 81.0893% | 1,098 |
| Assets per employee ($millions) | 4.3934% | 3,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 1,548 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3657% | 1,163 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 31.6589% | 5,506 |
| Net loans and leases to deposits | 35.1193% | 5,552 |
| Net loans and leases to core deposits | 36.2676% | 5,565 |
| Total domestic deposits to total assets | 90.1466% | 488 |
| Equity capital to assets | 9.4460% | 4,461 |
| Core capital (leverage) ratio | 9.4997% | 4,130 |
| Tier 1 risk-based capital ratio | 19.5109% | 1,473 |
| Total risk-based capital ratio | 20.5204% | 1,477 |
| Memoranda: | ||
| Average total assets | $41,153,000 | 5,422 |
| Average earning assets | $39,333,000 | 5,384 |
| Average equity | $4,064,000 | 5,519 |
| Average total loans | $13,478,000 | 5,586 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1333% | 5,328 |
| Cost of funding earning assets | 0.1266% | 5,521 |
| Net interest margin | 3.0067% | 4,880 |
| Noninterest income to average assets | 0.2817% | 4,536 |
| Noninterest expense to average assets | 2.6960% | 3,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3521% | 5,070 |
| Return on assets (ROA) | 0.3521% | 5,090 |
| Pretax return on assets | 0.4527% | 5,055 |
| Return on Equity (ROE) | 3.4817% | 4,967 |
| Retained earnings to average equity (ytd only) | 3.4817% | 3,696 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6230% | 832 |
| Assets per employee ($millions) | 4.0318% | 3,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 1,405 |
| Loan loss allowance to noncurrent loans | 21,300.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 1.3220% | 1,283 |
| Noncurrent loans to loans | 0.0075% | 5,223 |
| Net loans and leases to total assets | 32.6455% | 5,520 |
| Net loans and leases to deposits | 36.3953% | 5,570 |
| Net loans and leases to core deposits | 37.7005% | 5,583 |
| Total domestic deposits to total assets | 89.6969% | 794 |
| Equity capital to assets | 10.0600% | 3,681 |
| Core capital (leverage) ratio | 9.9708% | 3,535 |
| Tier 1 risk-based capital ratio | 20.6153% | 1,283 |
| Total risk-based capital ratio | 21.6965% | 1,281 |
| Memoranda: | ||
| Average total assets | $39,762,500 | 5,501 |
| Average earning assets | $37,915,000 | 5,466 |
| Average equity | $4,021,000 | 5,582 |
| Average total loans | $13,156,000 | 5,653 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1160% | 5,386 |
| Cost of funding earning assets | 0.1296% | 5,549 |
| Net interest margin | 2.9864% | 4,987 |
| Noninterest income to average assets | 0.2504% | 4,923 |
| Noninterest expense to average assets | 2.7084% | 3,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3214% | 5,164 |
| Return on assets (ROA) | 0.3439% | 5,180 |
| Pretax return on assets | 0.4249% | 5,171 |
| Return on Equity (ROE) | 3.2754% | 5,078 |
| Retained earnings to average equity (ytd only) | 0.2649% | 5,212 |
| Net charge-offs to loans | 0.5396% | 445 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 2.0933% | 3,887 |
| Efficiency ratio | 87.2150% | 736 |
| Assets per employee ($millions) | 3.9207% | 4,114 |
| Cash dividends to net income (ytd only)* | 91.9118% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6464% | 1,266 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1146% | 1,669 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 32.4534% | 5,585 |
| Net loans and leases to deposits | 36.1457% | 5,635 |
| Net loans and leases to core deposits | 37.4775% | 5,648 |
| Total domestic deposits to total assets | 89.7850% | 734 |
| Equity capital to assets | 10.1666% | 3,528 |
| Core capital (leverage) ratio | 10.1128% | 3,348 |
| Tier 1 risk-based capital ratio | 20.6599% | 1,266 |
| Total risk-based capital ratio | 21.7753% | 1,255 |
| Memoranda: | ||
| Average total assets | $39,543,200 | 5,549 |
| Average earning assets | $37,805,000 | 5,511 |
| Average equity | $4,152,200 | 5,620 |
| Average total loans | $13,898,400 | 5,691 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1013% | 5,470 |
| Cost of funding earning assets | 0.1335% | 5,593 |
| Net interest margin | 2.9679% | 5,068 |
| Noninterest income to average assets | 0.2591% | 4,909 |
| Noninterest expense to average assets | 2.6849% | 3,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3368% | 5,195 |
| Return on assets (ROA) | 0.3667% | 5,208 |
| Pretax return on assets | 0.4542% | 5,221 |
| Return on Equity (ROE) | 3.4654% | 5,094 |
| Retained earnings to average equity (ytd only) | 1.0809% | 5,062 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5510% | 782 |
| Assets per employee ($millions) | 3.8316% | 4,247 |
| Cash dividends to net income (ytd only)* | 68.8089% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3203% | 423 |
| Loan loss allowance to noncurrent loans | 154.8387% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 1.3284% | 1,429 |
| Noncurrent loans to loans | 1.4985% | 1,439 |
| Net loans and leases to total assets | 31.6421% | 5,687 |
| Net loans and leases to deposits | 35.8295% | 5,731 |
| Net loans and leases to core deposits | 37.5077% | 5,731 |
| Total domestic deposits to total assets | 88.3130% | 1,230 |
| Equity capital to assets | 10.9980% | 3,013 |
| Core capital (leverage) ratio | 9.9306% | 3,658 |
| Tier 1 risk-based capital ratio | 22.1118% | 1,125 |
| Total risk-based capital ratio | 23.3675% | 1,105 |
| Memoranda: | ||
| Average total assets | $39,627,250 | 5,603 |
| Average earning assets | $37,961,000 | 5,565 |
| Average equity | $4,193,750 | 5,675 |
| Average total loans | $14,138,750 | 5,738 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1342% | 5,513 |
| Cost of funding earning assets | 0.1351% | 5,643 |
| Net interest margin | 2.9990% | 5,083 |
| Noninterest income to average assets | 0.2796% | 4,783 |
| Noninterest expense to average assets | 2.5759% | 3,800 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4336% | 4,929 |
| Return on assets (ROA) | 0.4742% | 4,881 |
| Pretax return on assets | 0.6390% | 4,791 |
| Return on Equity (ROE) | 4.5379% | 4,703 |
| Retained earnings to average equity (ytd only) | 4.5379% | 3,024 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5166% | 1,329 |
| Assets per employee ($millions) | 4.0764% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1033% | 619 |
| Loan loss allowance to noncurrent loans | 155.6757% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 1.2462% | 1,642 |
| Noncurrent loans to loans | 1.3511% | 1,666 |
| Net loans and leases to total assets | 32.8844% | 5,712 |
| Net loans and leases to deposits | 37.0427% | 5,766 |
| Net loans and leases to core deposits | 38.6579% | 5,776 |
| Total domestic deposits to total assets | 88.7744% | 1,028 |
| Equity capital to assets | 10.5902% | 3,540 |
| Core capital (leverage) ratio | 10.2118% | 3,323 |
| Tier 1 risk-based capital ratio | 22.3490% | 1,095 |
| Total risk-based capital ratio | 23.5991% | 1,081 |
| Memoranda: | ||
| Average total assets | $40,064,330 | 5,662 |
| Average earning assets | $38,479,000 | 5,618 |
| Average equity | $4,187,000 | 5,733 |
| Average total loans | $14,714,330 | 5,797 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1923% | 5,491 |
| Cost of funding earning assets | 0.1365% | 5,703 |
| Net interest margin | 3.0558% | 4,982 |
| Noninterest income to average assets | 0.3223% | 4,424 |
| Noninterest expense to average assets | 2.6187% | 3,693 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4630% | 4,769 |
| Return on assets (ROA) | 0.5439% | 4,554 |
| Pretax return on assets | 0.7453% | 4,377 |
| Return on Equity (ROE) | 5.2402% | 4,367 |
| Retained earnings to average equity (ytd only) | 5.2402% | 2,790 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4954% | 1,547 |
| Assets per employee ($millions) | 4.0325% | 3,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9296% | 926 |
| Loan loss allowance to noncurrent loans | 151.5789% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 1.2722% | 1,697 |
| Noncurrent loans to loans | 1.2730% | 1,896 |
| Net loans and leases to total assets | 36.2976% | 5,623 |
| Net loans and leases to deposits | 40.6809% | 5,691 |
| Net loans and leases to core deposits | 42.4630% | 5,699 |
| Total domestic deposits to total assets | 89.2250% | 984 |
| Equity capital to assets | 10.3757% | 3,646 |
| Core capital (leverage) ratio | 10.3580% | 3,120 |
| Tier 1 risk-based capital ratio | 21.2663% | 1,268 |
| Total risk-based capital ratio | 22.5200% | 1,244 |
| Memoranda: | ||
| Average total assets | $39,714,500 | 5,721 |
| Average earning assets | $38,092,000 | 5,681 |
| Average equity | $4,122,000 | 5,789 |
| Average total loans | $15,225,000 | 5,838 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2623% | 5,409 |
| Cost of funding earning assets | 0.1487% | 5,691 |
| Net interest margin | 3.1137% | 4,869 |
| Noninterest income to average assets | 0.2882% | 4,828 |
| Noninterest expense to average assets | 2.5916% | 3,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5121% | 4,647 |
| Return on assets (ROA) | 0.5121% | 4,729 |
| Pretax return on assets | 0.6614% | 4,642 |
| Return on Equity (ROE) | 4.8551% | 4,579 |
| Retained earnings to average equity (ytd only) | 1.1955% | 5,029 |
| Net charge-offs to loans | -0.0373% | 5,474 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6677% | 1,719 |
| Assets per employee ($millions) | 3.9104% | 4,102 |
| Cash dividends to net income (ytd only)* | 75.3769% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8551% | 1,044 |
| Loan loss allowance to noncurrent loans | 3,200.0000% | 232 |
| Noncurrent assets plus other real estate owned to assets | 1.3119% | 1,620 |
| Noncurrent loans to loans | 0.0580% | 5,287 |
| Net loans and leases to total assets | 38.9653% | 5,578 |
| Net loans and leases to deposits | 46.5167% | 5,541 |
| Net loans and leases to core deposits | 48.7615% | 5,538 |
| Total domestic deposits to total assets | 83.7664% | 3,575 |
| Equity capital to assets | 10.3826% | 3,513 |
| Core capital (leverage) ratio | 10.3965% | 3,059 |
| Tier 1 risk-based capital ratio | 20.9186% | 1,315 |
| Total risk-based capital ratio | 22.1684% | 1,291 |
| Memoranda: | ||
| Average total assets | $38,856,200 | 5,789 |
| Average earning assets | $36,998,200 | 5,748 |
| Average equity | $4,098,800 | 5,838 |
| Average total loans | $13,397,600 | 5,940 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1842% | 5,611 |
| Cost of funding earning assets | 0.1482% | 5,790 |
| Net interest margin | 3.0360% | 5,112 |
| Noninterest income to average assets | 0.3093% | 4,723 |
| Noninterest expense to average assets | 2.6051% | 3,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4777% | 4,862 |
| Return on assets (ROA) | 0.4777% | 4,965 |
| Pretax return on assets | 0.5911% | 4,994 |
| Return on Equity (ROE) | 4.5109% | 4,833 |
| Retained earnings to average equity (ytd only) | 2.8882% | 4,392 |
| Net charge-offs to loans | -0.0414% | 5,481 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5054% | 1,463 |
| Assets per employee ($millions) | 3.8845% | 4,115 |
| Cash dividends to net income (ytd only)* | 35.9737% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9853% | 935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3052% | 1,789 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 36.4757% | 5,769 |
| Net loans and leases to deposits | 45.0310% | 5,685 |
| Net loans and leases to core deposits | 46.6715% | 5,706 |
| Total domestic deposits to total assets | 81.0014% | 4,475 |
| Equity capital to assets | 10.7195% | 3,337 |
| Core capital (leverage) ratio | 10.2347% | 3,325 |
| Tier 1 risk-based capital ratio | 22.1542% | 1,174 |
| Total risk-based capital ratio | 23.4105% | 1,150 |
| Memoranda: | ||
| Average total assets | $38,794,250 | 5,868 |
| Average earning assets | $36,890,000 | 5,826 |
| Average equity | $4,108,500 | 5,914 |
| Average total loans | $12,865,750 | 6,035 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1274% | 5,709 |
| Cost of funding earning assets | 0.1469% | 5,873 |
| Net interest margin | 2.9806% | 5,267 |
| Noninterest income to average assets | 0.3146% | 4,703 |
| Noninterest expense to average assets | 2.5840% | 3,962 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4642% | 4,925 |
| Return on assets (ROA) | 0.4642% | 5,020 |
| Pretax return on assets | 0.5570% | 5,086 |
| Return on Equity (ROE) | 4.4010% | 4,863 |
| Retained earnings to average equity (ytd only) | 4.4010% | 3,214 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2660% | 1,452 |
| Assets per employee ($millions) | 4.1701% | 3,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1496% | 791 |
| Loan loss allowance to noncurrent loans | 591.6667% | 884 |
| Noncurrent assets plus other real estate owned to assets | 1.4316% | 1,744 |
| Noncurrent loans to loans | 0.3633% | 4,408 |
| Net loans and leases to total assets | 31.0017% | 6,007 |
| Net loans and leases to deposits | 34.5096% | 6,071 |
| Net loans and leases to core deposits | 35.5575% | 6,072 |
| Total domestic deposits to total assets | 89.8348% | 736 |
| Equity capital to assets | 9.8607% | 4,201 |
| Core capital (leverage) ratio | 10.4328% | 3,044 |
| Tier 1 risk-based capital ratio | 22.6332% | 1,123 |
| Total risk-based capital ratio | 23.8884% | 1,103 |
| Memoranda: | ||
| Average total assets | $38,777,330 | 5,929 |
| Average earning assets | $36,771,330 | 5,891 |
| Average equity | $4,090,000 | 5,979 |
| Average total loans | $12,335,670 | 6,111 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1794% | 5,678 |
| Cost of funding earning assets | 0.1481% | 5,945 |
| Net interest margin | 3.0313% | 5,121 |
| Noninterest income to average assets | 0.3537% | 4,373 |
| Noninterest expense to average assets | 2.7656% | 3,363 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3966% | 5,078 |
| Return on assets (ROA) | 0.3966% | 5,192 |
| Pretax return on assets | 0.4395% | 5,343 |
| Return on Equity (ROE) | 3.6283% | 5,134 |
| Retained earnings to average equity (ytd only) | 3.6283% | 3,829 |
| Net charge-offs to loans | -0.0672% | 5,679 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2876% | 1,154 |
| Assets per employee ($millions) | 3.7859% | 4,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3813% | 634 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5056% | 1,736 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 30.9675% | 6,034 |
| Net loans and leases to deposits | 34.9126% | 6,099 |
| Net loans and leases to core deposits | 35.7974% | 6,108 |
| Total domestic deposits to total assets | 88.7002% | 1,452 |
| Equity capital to assets | 10.9221% | 3,064 |
| Core capital (leverage) ratio | 10.6004% | 2,849 |
| Tier 1 risk-based capital ratio | 24.5283% | 938 |
| Total risk-based capital ratio | 25.7841% | 919 |
| Memoranda: | ||
| Average total assets | $37,315,500 | 6,023 |
| Average earning assets | $35,100,500 | 5,985 |
| Average equity | $4,079,000 | 6,039 |
| Average total loans | $11,897,500 | 6,176 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9077% | 6,127 |
| Cost of funding earning assets | 0.1763% | 5,932 |
| Net interest margin | 2.7314% | 5,894 |
| Noninterest income to average assets | 0.3120% | 4,889 |
| Noninterest expense to average assets | 2.6094% | 4,180 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2849% | 5,553 |
| Return on assets (ROA) | 0.3094% | 5,565 |
| Pretax return on assets | 0.3249% | 5,656 |
| Return on Equity (ROE) | 2.9475% | 5,499 |
| Retained earnings to average equity (ytd only) | 0.4913% | 5,555 |
| Net charge-offs to loans | -0.2106% | 6,272 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7163% | 863 |
| Assets per employee ($millions) | 3.3429% | 5,191 |
| Cash dividends to net income (ytd only)* | 83.3333% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4098% | 618 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5501% | 1,744 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 31.2765% | 6,137 |
| Net loans and leases to deposits | 35.7285% | 6,181 |
| Net loans and leases to core deposits | 36.6729% | 6,191 |
| Total domestic deposits to total assets | 87.5394% | 2,011 |
| Equity capital to assets | 10.9404% | 2,960 |
| Core capital (leverage) ratio | 10.9898% | 2,421 |
| Tier 1 risk-based capital ratio | 23.6864% | 988 |
| Total risk-based capital ratio | 24.9403% | 968 |
| Memoranda: | ||
| Average total assets | $38,783,600 | 6,062 |
| Average earning assets | $36,868,200 | 6,021 |
| Average equity | $4,071,200 | 6,078 |
| Average total loans | $11,395,400 | 6,270 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8824% | 6,218 |
| Cost of funding earning assets | 0.1813% | 5,987 |
| Net interest margin | 2.7011% | 6,000 |
| Noninterest income to average assets | 0.3292% | 4,801 |
| Noninterest expense to average assets | 2.5487% | 4,368 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3350% | 5,477 |
| Return on assets (ROA) | 0.3665% | 5,450 |
| Pretax return on assets | 0.3937% | 5,588 |
| Return on Equity (ROE) | 3.5266% | 5,354 |
| Retained earnings to average equity (ytd only) | 1.8938% | 5,105 |
| Net charge-offs to loans | -0.2832% | 6,378 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6313% | 1,038 |
| Assets per employee ($millions) | 3.2638% | 5,301 |
| Cash dividends to net income (ytd only)* | 46.2986% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7073% | 486 |
| Loan loss allowance to noncurrent loans | 946.6667% | 600 |
| Noncurrent assets plus other real estate owned to assets | 1.6796% | 1,804 |
| Noncurrent loans to loans | 0.2860% | 5,054 |
| Net loans and leases to total assets | 28.4274% | 6,309 |
| Net loans and leases to deposits | 33.3203% | 6,318 |
| Net loans and leases to core deposits | 34.2460% | 6,313 |
| Total domestic deposits to total assets | 85.3156% | 3,203 |
| Equity capital to assets | 11.4116% | 2,564 |
| Core capital (leverage) ratio | 10.4975% | 3,044 |
| Tier 1 risk-based capital ratio | 25.8204% | 803 |
| Total risk-based capital ratio | 27.0776% | 785 |
| Memoranda: | ||
| Average total assets | $39,286,500 | 6,129 |
| Average earning assets | $37,514,500 | 6,071 |
| Average equity | $4,083,250 | 6,146 |
| Average total loans | $11,298,000 | 6,341 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8398% | 6,308 |
| Cost of funding earning assets | 0.1866% | 6,026 |
| Net interest margin | 2.6533% | 6,110 |
| Noninterest income to average assets | 0.3365% | 4,736 |
| Noninterest expense to average assets | 2.4199% | 4,826 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4058% | 5,202 |
| Return on assets (ROA) | 0.4503% | 5,092 |
| Pretax return on assets | 0.4998% | 5,276 |
| Return on Equity (ROE) | 4.4622% | 4,937 |
| Retained earnings to average equity (ytd only) | 4.4622% | 3,331 |
| Net charge-offs to loans | -0.5187% | 6,518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3103% | 1,470 |
| Assets per employee ($millions) | 3.8035% | 4,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3987% | 811 |
| Loan loss allowance to noncurrent loans | 763.1579% | 644 |
| Noncurrent assets plus other real estate owned to assets | 1.4604% | 2,230 |
| Noncurrent loans to loans | 0.3143% | 5,067 |
| Net loans and leases to total assets | 28.2034% | 6,354 |
| Net loans and leases to deposits | 31.4373% | 6,401 |
| Net loans and leases to core deposits | 32.5060% | 6,399 |
| Total domestic deposits to total assets | 89.7129% | 958 |
| Equity capital to assets | 9.9142% | 4,228 |
| Core capital (leverage) ratio | 10.2509% | 3,267 |
| Tier 1 risk-based capital ratio | 22.4303% | 1,196 |
| Total risk-based capital ratio | 23.6860% | 1,175 |
| Memoranda: | ||
| Average total assets | $40,414,670 | 6,160 |
| Average earning assets | $38,594,000 | 6,089 |
| Average equity | $4,078,670 | 6,186 |
| Average total loans | $11,567,330 | 6,392 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8922% | 6,334 |
| Cost of funding earning assets | 0.1900% | 6,080 |
| Net interest margin | 2.7022% | 6,111 |
| Noninterest income to average assets | 0.3728% | 4,405 |
| Noninterest expense to average assets | 2.4684% | 4,721 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4433% | 4,961 |
| Return on assets (ROA) | 0.4433% | 5,025 |
| Pretax return on assets | 0.4836% | 5,214 |
| Return on Equity (ROE) | 4.3521% | 4,862 |
| Retained earnings to average equity (ytd only) | 4.3521% | 3,516 |
| Net charge-offs to loans | -1.0614% | 6,633 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6177% | 1,714 |
| Assets per employee ($millions) | 3.5231% | 4,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4593% | 852 |
| Loan loss allowance to noncurrent loans | 852.9412% | 600 |
| Noncurrent assets plus other real estate owned to assets | 1.5663% | 2,253 |
| Noncurrent loans to loans | 0.2883% | 5,249 |
| Net loans and leases to total assets | 29.6795% | 6,366 |
| Net loans and leases to deposits | 33.8016% | 6,375 |
| Net loans and leases to core deposits | 34.5426% | 6,398 |
| Total domestic deposits to total assets | 87.8051% | 2,341 |
| Equity capital to assets | 10.5460% | 3,203 |
| Core capital (leverage) ratio | 9.8831% | 3,740 |
| Tier 1 risk-based capital ratio | 23.2843% | 1,102 |
| Total risk-based capital ratio | 24.5390% | 1,085 |
| Memoranda: | ||
| Average total assets | $39,702,500 | 6,245 |
| Average earning assets | $37,895,000 | 6,176 |
| Average equity | $4,044,000 | 6,242 |
| Average total loans | $11,306,000 | 6,468 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6576% | 6,568 |
| Cost of funding earning assets | 0.2254% | 6,143 |
| Net interest margin | 2.4322% | 6,421 |
| Noninterest income to average assets | 0.3072% | 5,138 |
| Noninterest expense to average assets | 2.5004% | 4,761 |
| Loan and lease loss provision to assets | 0.0453% | 4,211 |
| Net operating income to assets | 0.1083% | 6,027 |
| Return on assets (ROA) | 0.1083% | 6,082 |
| Pretax return on assets | 0.0705% | 6,128 |
| Return on Equity (ROE) | 1.0501% | 6,069 |
| Retained earnings to average equity (ytd only) | 1.0501% | 5,366 |
| Net charge-offs to loans | 0.0883% | 3,968 |
| Credit loss provision to net charge-offs | 200.0000% | 1,140 |
| Earnings coverage of net charge-offs (x) | 5.1111% | 3,381 |
| Efficiency ratio | 95.5727% | 662 |
| Assets per employee ($millions) | 3.3876% | 5,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4030% | 929 |
| Loan loss allowance to noncurrent loans | 135.4167% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 1.8819% | 1,934 |
| Noncurrent loans to loans | 1.7745% | 2,268 |
| Net loans and leases to total assets | 25.9772% | 6,568 |
| Net loans and leases to deposits | 28.8643% | 6,602 |
| Net loans and leases to core deposits | 29.4503% | 6,609 |
| Total domestic deposits to total assets | 89.9978% | 1,080 |
| Equity capital to assets | 9.8423% | 3,971 |
| Core capital (leverage) ratio | 9.8549% | 3,766 |
| Tier 1 risk-based capital ratio | 23.5287% | 1,016 |
| Total risk-based capital ratio | 24.7809% | 999 |
| Memoranda: | ||
| Average total assets | $39,713,800 | 6,297 |
| Average earning assets | $37,702,800 | 6,229 |
| Average equity | $4,094,800 | 6,303 |
| Average total loans | $10,189,000 | 6,582 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6622% | 6,639 |
| Cost of funding earning assets | 0.2349% | 6,189 |
| Net interest margin | 2.4273% | 6,491 |
| Noninterest income to average assets | 0.3107% | 5,216 |
| Noninterest expense to average assets | 2.5025% | 4,710 |
| Loan and lease loss provision to assets | 0.0439% | 4,134 |
| Net operating income to assets | 0.1115% | 6,116 |
| Return on assets (ROA) | 0.1115% | 6,181 |
| Pretax return on assets | 0.0676% | 6,241 |
| Return on Equity (ROE) | 1.0684% | 6,169 |
| Retained earnings to average equity (ytd only) | 1.0684% | 5,547 |
| Net charge-offs to loans | 0.1196% | 3,355 |
| Credit loss provision to net charge-offs | 144.4444% | 1,626 |
| Earnings coverage of net charge-offs (x) | 3.6667% | 3,639 |
| Efficiency ratio | 95.7364% | 638 |
| Assets per employee ($millions) | 3.1819% | 5,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4032% | 1,044 |
| Loan loss allowance to noncurrent loans | 68.7332% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 2.4802% | 1,554 |
| Noncurrent loans to loans | 3.4964% | 1,089 |
| Net loans and leases to total assets | 27.1220% | 6,624 |
| Net loans and leases to deposits | 30.5181% | 6,659 |
| Net loans and leases to core deposits | 31.1862% | 6,661 |
| Total domestic deposits to total assets | 88.8720% | 1,628 |
| Equity capital to assets | 10.6251% | 3,136 |
| Core capital (leverage) ratio | 10.0755% | 3,561 |
| Tier 1 risk-based capital ratio | 10.5314% | 6,440 |
| Total risk-based capital ratio | 11.2112% | 6,571 |
| Memoranda: | ||
| Average total assets | $39,479,500 | 6,372 |
| Average earning assets | $37,461,250 | 6,312 |
| Average equity | $4,118,250 | 6,372 |
| Average total loans | $10,031,250 | 6,659 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6506% | 6,682 |
| Cost of funding earning assets | 0.2434% | 6,226 |
| Net interest margin | 2.4072% | 6,547 |
| Noninterest income to average assets | 0.2856% | 5,408 |
| Noninterest expense to average assets | 2.4504% | 4,899 |
| Loan and lease loss provision to assets | 0.0451% | 4,064 |
| Net operating income to assets | 0.1153% | 6,098 |
| Return on assets (ROA) | 0.1153% | 6,192 |
| Pretax return on assets | 0.0702% | 6,276 |
| Return on Equity (ROE) | 1.1115% | 6,185 |
| Retained earnings to average equity (ytd only) | 1.1115% | 5,456 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5078% | 683 |
| Assets per employee ($millions) | 3.3238% | 5,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4998% | 987 |
| Loan loss allowance to noncurrent loans | 136.8421% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 1.9205% | 2,258 |
| Noncurrent loans to loans | 1.8267% | 2,599 |
| Net loans and leases to total assets | 25.4250% | 6,697 |
| Net loans and leases to deposits | 28.4070% | 6,732 |
| Net loans and leases to core deposits | 28.9967% | 6,736 |
| Total domestic deposits to total assets | 89.5026% | 1,321 |
| Equity capital to assets | 10.1213% | 3,762 |
| Core capital (leverage) ratio | 9.8757% | 3,675 |
| Tier 1 risk-based capital ratio | 9.8550% | 6,663 |
| Total risk-based capital ratio | 10.5051% | 6,734 |
| Memoranda: | ||
| Average total assets | $39,911,670 | 6,406 |
| Average earning assets | $37,802,670 | 6,351 |
| Average equity | $4,138,670 | 6,419 |
| Average total loans | $9,838,000 | 6,718 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6664% | 6,748 |
| Cost of funding earning assets | 0.2550% | 6,259 |
| Net interest margin | 2.4115% | 6,587 |
| Noninterest income to average assets | 0.3807% | 4,620 |
| Noninterest expense to average assets | 2.4546% | 4,933 |
| Loan and lease loss provision to assets | 0.0401% | 3,928 |
| Net operating income to assets | 0.1904% | 5,921 |
| Return on assets (ROA) | 0.1904% | 6,033 |
| Pretax return on assets | 0.1603% | 6,150 |
| Return on Equity (ROE) | 1.8141% | 5,998 |
| Retained earnings to average equity (ytd only) | 1.8141% | 5,085 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4528% | 949 |
| Assets per employee ($millions) | 3.4216% | 5,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6469% | 971 |
| Loan loss allowance to noncurrent loans | 132.1244% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 2.7594% | 1,648 |
| Noncurrent loans to loans | 2.0033% | 2,616 |
| Net loans and leases to total assets | 22.8427% | 6,800 |
| Net loans and leases to deposits | 25.5970% | 6,831 |
| Net loans and leases to core deposits | 26.1137% | 6,835 |
| Total domestic deposits to total assets | 89.2399% | 1,533 |
| Equity capital to assets | 10.2000% | 3,906 |
| Core capital (leverage) ratio | 9.6572% | 3,842 |
| Tier 1 risk-based capital ratio | 9.6239% | 6,748 |
| Total risk-based capital ratio | 10.2474% | 6,814 |
| Memoranda: | ||
| Average total assets | $39,924,500 | 6,461 |
| Average earning assets | $37,653,500 | 6,417 |
| Average equity | $4,189,500 | 6,470 |
| Average total loans | $9,556,500 | 6,797 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7158% | 6,874 |
| Cost of funding earning assets | 0.3582% | 6,166 |
| Net interest margin | 2.3575% | 6,809 |
| Noninterest income to average assets | 0.3960% | 4,647 |
| Noninterest expense to average assets | 2.6564% | 4,552 |
| Loan and lease loss provision to assets | 0.0451% | 5,276 |
| Net operating income to assets | -0.0025% | 6,172 |
| Return on assets (ROA) | 0.0752% | 6,192 |
| Pretax return on assets | 0.0150% | 6,261 |
| Return on Equity (ROE) | 0.5754% | 6,206 |
| Retained earnings to average equity (ytd only) | -28.1922% | 6,922 |
| Net charge-offs to loans | 0.1969% | 3,803 |
| Credit loss provision to net charge-offs | 94.7368% | 3,286 |
| Earnings coverage of net charge-offs (x) | -0.3684% | 5,637 |
| Efficiency ratio | 100.6648% | 536 |
| Assets per employee ($millions) | 3.2325% | 5,556 |
| Cash dividends to net income (ytd only)* | 5,000.0000% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6480% | 972 |
| Loan loss allowance to noncurrent loans | 12,550.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 2.4285% | 2,017 |
| Noncurrent loans to loans | 0.0211% | 6,482 |
| Net loans and leases to total assets | 23.7896% | 6,861 |
| Net loans and leases to deposits | 26.8568% | 6,892 |
| Net loans and leases to core deposits | 27.4349% | 6,894 |
| Total domestic deposits to total assets | 88.5795% | 1,849 |
| Equity capital to assets | 10.8043% | 3,171 |
| Core capital (leverage) ratio | 9.8541% | 3,601 |
| Tier 1 risk-based capital ratio | 10.1506% | 6,661 |
| Total risk-based capital ratio | 10.8010% | 6,780 |
| Memoranda: | ||
| Average total assets | $39,903,800 | 6,504 |
| Average earning assets | $37,963,600 | 6,432 |
| Average equity | $5,214,200 | 6,237 |
| Average total loans | $9,651,600 | 6,862 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7033% | 6,996 |
| Cost of funding earning assets | 0.3787% | 6,239 |
| Net interest margin | 2.3245% | 6,934 |
| Noninterest income to average assets | 0.4214% | 4,469 |
| Noninterest expense to average assets | 2.6379% | 4,610 |
| Loan and lease loss provision to assets | 0.0465% | 5,194 |
| Net operating income to assets | 0.0299% | 6,241 |
| Return on assets (ROA) | 0.0299% | 6,375 |
| Pretax return on assets | -0.0431% | 6,439 |
| Return on Equity (ROE) | 0.2194% | 6,379 |
| Retained earnings to average equity (ytd only) | 0.2194% | 6,014 |
| Net charge-offs to loans | -0.1513% | 6,939 |
| Credit loss provision to net charge-offs | -127.2727% | 6,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8744% | 537 |
| Assets per employee ($millions) | 3.0978% | 5,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1134% | 649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3416% | 2,270 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 21.4050% | 7,008 |
| Net loans and leases to deposits | 25.2298% | 7,018 |
| Net loans and leases to core deposits | 25.7744% | 7,021 |
| Total domestic deposits to total assets | 84.8402% | 3,820 |
| Equity capital to assets | 14.2361% | 1,066 |
| Core capital (leverage) ratio | 12.8937% | 1,232 |
| Tier 1 risk-based capital ratio | 13.4927% | 4,882 |
| Total risk-based capital ratio | 14.1853% | 5,270 |
| Memoranda: | ||
| Average total assets | $40,182,250 | 6,579 |
| Average earning assets | $38,372,250 | 6,493 |
| Average equity | $5,470,000 | 6,228 |
| Average total loans | $9,694,750 | 6,951 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6894% | 7,080 |
| Cost of funding earning assets | 0.3953% | 6,292 |
| Net interest margin | 2.2940% | 7,010 |
| Noninterest income to average assets | 0.3437% | 5,090 |
| Noninterest expense to average assets | 2.7047% | 4,400 |
| Loan and lease loss provision to assets | 0.0448% | 5,114 |
| Net operating income to assets | -0.1046% | 6,440 |
| Return on assets (ROA) | -0.1046% | 6,542 |
| Pretax return on assets | -0.2092% | 6,593 |
| Return on Equity (ROE) | -0.7803% | 6,525 |
| Retained earnings to average equity (ytd only) | -0.7803% | 6,175 |
| Net charge-offs to loans | -0.2008% | 6,996 |
| Credit loss provision to net charge-offs | -90.0000% | 6,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4706% | 386 |
| Assets per employee ($millions) | 3.5765% | 4,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9250% | 848 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1972% | 2,545 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 20.9562% | 7,070 |
| Net loans and leases to deposits | 24.0301% | 7,090 |
| Net loans and leases to core deposits | 24.5102% | 7,094 |
| Total domestic deposits to total assets | 87.2082% | 2,647 |
| Equity capital to assets | 12.5099% | 1,810 |
| Core capital (leverage) ratio | 13.3006% | 1,053 |
| Tier 1 risk-based capital ratio | 12.4245% | 5,632 |
| Total risk-based capital ratio | 13.0519% | 6,033 |
| Memoranda: | ||
| Average total assets | $40,152,670 | 6,626 |
| Average earning assets | $38,447,330 | 6,533 |
| Average equity | $5,382,330 | 6,272 |
| Average total loans | $9,960,670 | 6,996 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8438% | 7,098 |
| Cost of funding earning assets | 0.4293% | 6,263 |
| Net interest margin | 2.4146% | 7,004 |
| Noninterest income to average assets | 0.4024% | 4,652 |
| Noninterest expense to average assets | 2.8579% | 3,792 |
| Loan and lease loss provision to assets | 0.0516% | 4,767 |
| Net operating income to assets | -0.0929% | 6,532 |
| Return on assets (ROA) | -0.0929% | 6,615 |
| Pretax return on assets | -0.1857% | 6,653 |
| Return on Equity (ROE) | -0.6680% | 6,597 |
| Retained earnings to average equity (ytd only) | -0.6680% | 6,101 |
| Net charge-offs to loans | -0.2716% | 7,042 |
| Credit loss provision to net charge-offs | -71.4286% | 5,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9242% | 435 |
| Assets per employee ($millions) | 3.2619% | 5,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6939% | 1,121 |
| Loan loss allowance to noncurrent loans | 37.7682% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 2.7923% | 2,099 |
| Noncurrent loans to loans | 7.1327% | 610 |
| Net loans and leases to total assets | 24.3620% | 7,076 |
| Net loans and leases to deposits | 28.3287% | 7,085 |
| Net loans and leases to core deposits | 28.9566% | 7,090 |
| Total domestic deposits to total assets | 85.9975% | 3,529 |
| Equity capital to assets | 13.7547% | 1,112 |
| Core capital (leverage) ratio | 13.0933% | 1,090 |
| Tier 1 risk-based capital ratio | 13.6512% | 4,716 |
| Total risk-based capital ratio | 14.3212% | 5,123 |
| Memoranda: | ||
| Average total assets | $38,770,000 | 6,719 |
| Average earning assets | $37,274,000 | 6,629 |
| Average equity | $5,389,000 | 6,305 |
| Average total loans | $10,308,500 | 7,048 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0539% | 7,166 |
| Cost of funding earning assets | 0.5376% | 6,393 |
| Net interest margin | 2.5164% | 7,052 |
| Noninterest income to average assets | 0.3602% | 4,936 |
| Noninterest expense to average assets | 2.5662% | 5,217 |
| Loan and lease loss provision to assets | 0.0894% | 5,465 |
| Net operating income to assets | 0.1565% | 5,714 |
| Return on assets (ROA) | 0.1714% | 5,814 |
| Pretax return on assets | 0.1267% | 5,928 |
| Return on Equity (ROE) | 1.2717% | 5,896 |
| Retained earnings to average equity (ytd only) | -0.1106% | 5,868 |
| Net charge-offs to loans | 0.3902% | 3,467 |
| Credit loss provision to net charge-offs | 87.8049% | 4,108 |
| Earnings coverage of net charge-offs (x) | 1.9756% | 4,302 |
| Efficiency ratio | 92.7289% | 1,005 |
| Assets per employee ($millions) | 3.1998% | 5,704 |
| Cash dividends to net income (ytd only)* | 108.6957% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3297% | 1,578 |
| Loan loss allowance to noncurrent loans | 36.0515% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 2.8570% | 2,115 |
| Noncurrent loans to loans | 6.4621% | 730 |
| Net loans and leases to total assets | 27.5152% | 7,075 |
| Net loans and leases to deposits | 32.4428% | 7,082 |
| Net loans and leases to core deposits | 33.1847% | 7,093 |
| Total domestic deposits to total assets | 84.8113% | 3,949 |
| Equity capital to assets | 14.0480% | 1,043 |
| Core capital (leverage) ratio | 13.4668% | 979 |
| Tier 1 risk-based capital ratio | 13.9404% | 4,369 |
| Total risk-based capital ratio | 14.5926% | 4,783 |
| Memoranda: | ||
| Average total assets | $40,254,400 | 6,664 |
| Average earning assets | $38,507,600 | 6,581 |
| Average equity | $5,426,000 | 6,315 |
| Average total loans | $10,507,400 | 7,098 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1101% | 7,229 |
| Cost of funding earning assets | 0.5549% | 6,497 |
| Net interest margin | 2.5552% | 7,106 |
| Noninterest income to average assets | 0.3864% | 4,761 |
| Noninterest expense to average assets | 2.4918% | 5,491 |
| Loan and lease loss provision to assets | 0.0884% | 5,345 |
| Net operating income to assets | 0.2718% | 5,503 |
| Return on assets (ROA) | 0.2718% | 5,663 |
| Pretax return on assets | 0.2489% | 5,812 |
| Return on Equity (ROE) | 2.0364% | 5,763 |
| Retained earnings to average equity (ytd only) | 0.8097% | 5,688 |
| Net charge-offs to loans | 0.3708% | 3,239 |
| Credit loss provision to net charge-offs | 93.1034% | 3,664 |
| Earnings coverage of net charge-offs (x) | 3.5513% | 3,396 |
| Efficiency ratio | 88.0787% | 1,335 |
| Assets per employee ($millions) | 3.2632% | 5,549 |
| Cash dividends to net income (ytd only)* | 60.2476% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5482% | 1,329 |
| Loan loss allowance to noncurrent loans | 35.6145% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 2.8500% | 2,273 |
| Noncurrent loans to loans | 7.1550% | 682 |
| Net loans and leases to total assets | 24.9042% | 7,211 |
| Net loans and leases to deposits | 29.1009% | 7,228 |
| Net loans and leases to core deposits | 29.7453% | 7,233 |
| Total domestic deposits to total assets | 85.5789% | 3,454 |
| Equity capital to assets | 13.8771% | 1,208 |
| Core capital (leverage) ratio | 12.7939% | 1,305 |
| Tier 1 risk-based capital ratio | 13.7698% | 4,524 |
| Total risk-based capital ratio | 14.4170% | 4,952 |
| Memoranda: | ||
| Average total assets | $40,718,750 | 6,706 |
| Average earning assets | $38,926,500 | 6,632 |
| Average equity | $5,434,000 | 6,360 |
| Average total loans | $10,430,000 | 7,174 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1011% | 7,313 |
| Cost of funding earning assets | 0.5675% | 6,597 |
| Net interest margin | 2.5335% | 7,165 |
| Noninterest income to average assets | 0.4219% | 4,495 |
| Noninterest expense to average assets | 2.4103% | 5,813 |
| Loan and lease loss provision to assets | 0.0873% | 5,221 |
| Net operating income to assets | 0.3540% | 5,157 |
| Return on assets (ROA) | 0.3540% | 5,294 |
| Pretax return on assets | 0.3492% | 5,549 |
| Return on Equity (ROE) | 2.6868% | 5,528 |
| Retained earnings to average equity (ytd only) | 2.6868% | 4,583 |
| Net charge-offs to loans | 0.5676% | 2,409 |
| Credit loss provision to net charge-offs | 60.0000% | 4,339 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,351 |
| Efficiency ratio | 84.6678% | 1,741 |
| Assets per employee ($millions) | 3.4669% | 5,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3660% | 1,645 |
| Loan loss allowance to noncurrent loans | 24.0905% | 6,570 |
| Noncurrent assets plus other real estate owned to assets | 3.6271% | 1,813 |
| Noncurrent loans to loans | 9.8213% | 396 |
| Net loans and leases to total assets | 24.3011% | 7,311 |
| Net loans and leases to deposits | 28.1263% | 7,326 |
| Net loans and leases to core deposits | 28.7037% | 7,335 |
| Total domestic deposits to total assets | 86.4000% | 3,101 |
| Equity capital to assets | 13.1529% | 1,446 |
| Core capital (leverage) ratio | 13.3857% | 1,035 |
| Tier 1 risk-based capital ratio | 13.0614% | 4,869 |
| Total risk-based capital ratio | 13.6469% | 5,422 |
| Memoranda: | ||
| Average total assets | $41,239,000 | 6,744 |
| Average earning assets | $39,470,330 | 6,660 |
| Average equity | $5,434,000 | 6,393 |
| Average total loans | $10,571,000 | 7,239 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1684% | 7,351 |
| Cost of funding earning assets | 0.5909% | 6,646 |
| Net interest margin | 2.5775% | 7,140 |
| Noninterest income to average assets | 0.5066% | 3,831 |
| Noninterest expense to average assets | 2.4649% | 5,691 |
| Loan and lease loss provision to assets | 0.0877% | 4,910 |
| Net operating income to assets | 0.4092% | 4,907 |
| Return on assets (ROA) | 0.4092% | 4,996 |
| Pretax return on assets | 0.4189% | 5,286 |
| Return on Equity (ROE) | 3.1025% | 5,319 |
| Retained earnings to average equity (ytd only) | 3.1025% | 4,309 |
| Net charge-offs to loans | 1.1237% | 1,234 |
| Credit loss provision to net charge-offs | 30.0000% | 4,116 |
| Earnings coverage of net charge-offs (x) | 1.7333% | 3,441 |
| Efficiency ratio | 82.9508% | 2,091 |
| Assets per employee ($millions) | 3.4159% | 5,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2708% | 1,816 |
| Loan loss allowance to noncurrent loans | 37.2240% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 2.7469% | 2,517 |
| Noncurrent loans to loans | 6.1003% | 1,028 |
| Net loans and leases to total assets | 24.7786% | 7,360 |
| Net loans and leases to deposits | 28.7059% | 7,376 |
| Net loans and leases to core deposits | 29.3030% | 7,381 |
| Total domestic deposits to total assets | 86.3189% | 3,330 |
| Equity capital to assets | 13.2614% | 1,276 |
| Core capital (leverage) ratio | 12.6660% | 1,259 |
| Tier 1 risk-based capital ratio | 13.1821% | 4,680 |
| Total risk-based capital ratio | 13.7545% | 5,242 |
| Memoranda: | ||
| Average total assets | $41,057,000 | 6,798 |
| Average earning assets | $39,263,000 | 6,711 |
| Average equity | $5,415,000 | 6,412 |
| Average total loans | $10,679,000 | 7,297 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5166% | 7,380 |
| Cost of funding earning assets | 0.7362% | 6,774 |
| Net interest margin | 2.7805% | 7,051 |
| Noninterest income to average assets | 0.4315% | 4,674 |
| Noninterest expense to average assets | 2.9364% | 4,081 |
| Loan and lease loss provision to assets | 0.0888% | 6,260 |
| Net operating income to assets | 0.1331% | 5,492 |
| Return on assets (ROA) | 0.1331% | 5,644 |
| Pretax return on assets | 0.0789% | 5,743 |
| Return on Equity (ROE) | 0.9900% | 5,697 |
| Retained earnings to average equity (ytd only) | -0.8434% | 5,777 |
| Net charge-offs to loans | 0.2831% | 4,605 |
| Credit loss provision to net charge-offs | 109.0909% | 4,046 |
| Earnings coverage of net charge-offs (x) | 2.0606% | 4,183 |
| Efficiency ratio | 94.5989% | 1,031 |
| Assets per employee ($millions) | 3.4269% | 5,112 |
| Cash dividends to net income (ytd only)* | 185.1852% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3438% | 1,622 |
| Loan loss allowance to noncurrent loans | 221.5517% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 1.6633% | 3,808 |
| Noncurrent loans to loans | 1.0579% | 4,954 |
| Net loans and leases to total assets | 26.0390% | 7,436 |
| Net loans and leases to deposits | 30.1210% | 7,459 |
| Net loans and leases to core deposits | 30.7427% | 7,464 |
| Total domestic deposits to total assets | 86.4480% | 3,106 |
| Equity capital to assets | 13.1167% | 1,340 |
| Core capital (leverage) ratio | 13.0987% | 1,098 |
| Tier 1 risk-based capital ratio | 13.0052% | 4,595 |
| Total risk-based capital ratio | 13.6250% | 5,106 |
| Memoranda: | ||
| Average total assets | $40,560,400 | 6,844 |
| Average earning assets | $38,986,000 | 6,761 |
| Average equity | $5,454,400 | 6,519 |
| Average total loans | $11,656,600 | 7,324 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6426% | 7,477 |
| Cost of funding earning assets | 0.7676% | 6,852 |
| Net interest margin | 2.8750% | 7,044 |
| Noninterest income to average assets | 0.3694% | 5,200 |
| Noninterest expense to average assets | 2.8599% | 4,246 |
| Loan and lease loss provision to assets | 0.0891% | 6,155 |
| Net operating income to assets | 0.2243% | 5,436 |
| Return on assets (ROA) | 0.2243% | 5,594 |
| Pretax return on assets | 0.1880% | 5,757 |
| Return on Equity (ROE) | 1.6576% | 5,716 |
| Retained earnings to average equity (ytd only) | -0.1706% | 5,823 |
| Net charge-offs to loans | 0.3720% | 3,818 |
| Credit loss provision to net charge-offs | 81.8182% | 5,080 |
| Earnings coverage of net charge-offs (x) | 2.5455% | 3,888 |
| Efficiency ratio | 91.1672% | 1,199 |
| Assets per employee ($millions) | 3.2805% | 5,515 |
| Cash dividends to net income (ytd only)* | 110.3022% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0840% | 2,039 |
| Loan loss allowance to noncurrent loans | 49.8994% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 1.2625% | 4,623 |
| Noncurrent loans to loans | 4.1765% | 1,758 |
| Net loans and leases to total assets | 29.5991% | 7,476 |
| Net loans and leases to deposits | 34.6322% | 7,503 |
| Net loans and leases to core deposits | 35.3852% | 7,513 |
| Total domestic deposits to total assets | 85.4672% | 3,370 |
| Equity capital to assets | 13.8165% | 1,233 |
| Core capital (leverage) ratio | 12.9380% | 1,254 |
| Tier 1 risk-based capital ratio | 13.6780% | 4,064 |
| Total risk-based capital ratio | 14.3026% | 4,516 |
| Memoranda: | ||
| Average total assets | $40,419,750 | 6,924 |
| Average earning assets | $38,909,250 | 6,837 |
| Average equity | $5,469,500 | 6,599 |
| Average total loans | $11,829,500 | 7,410 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7078% | 7,525 |
| Cost of funding earning assets | 0.7956% | 6,930 |
| Net interest margin | 2.9122% | 6,990 |
| Noninterest income to average assets | 0.3875% | 5,013 |
| Noninterest expense to average assets | 2.8353% | 4,334 |
| Loan and lease loss provision to assets | 0.0883% | 6,042 |
| Net operating income to assets | 0.2845% | 5,242 |
| Return on assets (ROA) | 0.2845% | 5,390 |
| Pretax return on assets | 0.2649% | 5,614 |
| Return on Equity (ROE) | 2.1169% | 5,600 |
| Retained earnings to average equity (ytd only) | 2.1169% | 4,799 |
| Net charge-offs to loans | 0.1186% | 4,993 |
| Credit loss provision to net charge-offs | 257.1429% | 1,480 |
| Earnings coverage of net charge-offs (x) | 10.2857% | 1,911 |
| Efficiency ratio | 88.9231% | 1,423 |
| Assets per employee ($millions) | 3.4890% | 4,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1610% | 1,841 |
| Loan loss allowance to noncurrent loans | 46.3287% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 1.3662% | 4,436 |
| Noncurrent loans to loans | 4.6644% | 1,541 |
| Net loans and leases to total assets | 28.6567% | 7,565 |
| Net loans and leases to deposits | 33.2014% | 7,593 |
| Net loans and leases to core deposits | 34.8678% | 7,588 |
| Total domestic deposits to total assets | 86.3117% | 2,922 |
| Equity capital to assets | 13.1485% | 1,499 |
| Core capital (leverage) ratio | 13.6014% | 1,025 |
| Tier 1 risk-based capital ratio | 13.0187% | 4,420 |
| Total risk-based capital ratio | 13.6463% | 4,932 |
| Memoranda: | ||
| Average total assets | $40,771,000 | 6,970 |
| Average earning assets | $39,215,000 | 6,878 |
| Average equity | $5,479,670 | 6,622 |
| Average total loans | $11,806,000 | 7,467 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8768% | 7,536 |
| Cost of funding earning assets | 0.8627% | 6,893 |
| Net interest margin | 3.0141% | 6,798 |
| Noninterest income to average assets | 0.4077% | 4,848 |
| Noninterest expense to average assets | 2.8044% | 4,463 |
| Loan and lease loss provision to assets | 0.0895% | 5,741 |
| Net operating income to assets | 0.3978% | 4,852 |
| Return on assets (ROA) | 0.3978% | 4,993 |
| Pretax return on assets | 0.3978% | 5,295 |
| Return on Equity (ROE) | 2.9267% | 5,365 |
| Retained earnings to average equity (ytd only) | 2.9267% | 4,374 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1964% | 1,888 |
| Assets per employee ($millions) | 3.3471% | 5,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2185% | 1,715 |
| Loan loss allowance to noncurrent loans | 34.9270% | 6,056 |
| Noncurrent assets plus other real estate owned to assets | 1.8748% | 3,669 |
| Noncurrent loans to loans | 6.3518% | 993 |
| Net loans and leases to total assets | 28.8609% | 7,653 |
| Net loans and leases to deposits | 33.6078% | 7,668 |
| Net loans and leases to core deposits | 35.3760% | 7,663 |
| Total domestic deposits to total assets | 85.8758% | 3,221 |
| Equity capital to assets | 13.6587% | 1,265 |
| Core capital (leverage) ratio | 13.4894% | 1,086 |
| Tier 1 risk-based capital ratio | 13.5281% | 3,964 |
| Total risk-based capital ratio | 14.1774% | 4,364 |
| Memoranda: | ||
| Average total assets | $40,222,500 | 7,080 |
| Average earning assets | $38,485,500 | 7,002 |
| Average equity | $5,467,000 | 6,686 |
| Average total loans | $11,577,500 | 7,568 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4340% | 7,448 |
| Cost of funding earning assets | 1.1204% | 6,910 |
| Net interest margin | 3.3136% | 5,688 |
| Noninterest income to average assets | 0.1704% | 6,863 |
| Noninterest expense to average assets | 2.9494% | 4,344 |
| Loan and lease loss provision to assets | 0.0451% | 7,111 |
| Net operating income to assets | 0.3358% | 4,388 |
| Return on assets (ROA) | 0.3358% | 4,478 |
| Pretax return on assets | 0.3182% | 4,711 |
| Return on Equity (ROE) | 2.4371% | 4,736 |
| Retained earnings to average equity (ytd only) | -0.2910% | 5,019 |
| Net charge-offs to loans | 0.0170% | 6,984 |
| Credit loss provision to net charge-offs | 900.0000% | 326 |
| Earnings coverage of net charge-offs (x) | 72.5000% | 379 |
| Efficiency ratio | 89.0318% | 1,792 |
| Assets per employee ($millions) | 3.3567% | 5,352 |
| Cash dividends to net income (ytd only)* | 111.9403% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2478% | 1,566 |
| Loan loss allowance to noncurrent loans | 49.5127% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 1.2736% | 4,540 |
| Noncurrent loans to loans | 4.5398% | 1,563 |
| Net loans and leases to total assets | 27.4230% | 7,759 |
| Net loans and leases to deposits | 31.8200% | 7,788 |
| Net loans and leases to core deposits | 35.5520% | 7,813 |
| Total domestic deposits to total assets | 86.1817% | 2,915 |
| Equity capital to assets | 13.5253% | 1,309 |
| Core capital (leverage) ratio | 13.5592% | 1,081 |
| Tier 1 risk-based capital ratio | 13.3952% | 3,888 |
| Total risk-based capital ratio | 14.0208% | 4,246 |
| Memoranda: | ||
| Average total assets | $39,906,800 | 7,096 |
| Average earning assets | $37,844,000 | 7,022 |
| Average equity | $5,498,400 | 6,769 |
| Average total loans | $11,743,000 | 7,615 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5676% | 7,448 |
| Cost of funding earning assets | 1.1728% | 6,961 |
| Net interest margin | 3.3948% | 5,290 |
| Noninterest income to average assets | 0.1206% | 7,288 |
| Noninterest expense to average assets | 2.9771% | 4,134 |
| Loan and lease loss provision to assets | 0.0301% | 7,048 |
| Net operating income to assets | 0.3483% | 4,606 |
| Return on assets (ROA) | 0.3483% | 4,702 |
| Pretax return on assets | 0.3315% | 4,979 |
| Return on Equity (ROE) | 2.5161% | 4,985 |
| Retained earnings to average equity (ytd only) | 0.7017% | 4,892 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1675% | 1,770 |
| Assets per employee ($millions) | 3.3259% | 5,319 |
| Cash dividends to net income (ytd only)* | 72.1189% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1098% | 1,585 |
| Loan loss allowance to noncurrent loans | 65.3439% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 0.9471% | 5,171 |
| Noncurrent loans to loans | 3.2288% | 2,344 |
| Net loans and leases to total assets | 28.7139% | 7,831 |
| Net loans and leases to deposits | 33.5864% | 7,865 |
| Net loans and leases to core deposits | 37.8655% | 7,878 |
| Total domestic deposits to total assets | 85.4927% | 2,970 |
| Equity capital to assets | 13.7706% | 1,389 |
| Core capital (leverage) ratio | 13.1364% | 1,341 |
| Tier 1 risk-based capital ratio | 13.6288% | 3,762 |
| Total risk-based capital ratio | 14.2427% | 4,130 |
| Memoranda: | ||
| Average total assets | $39,813,500 | 7,158 |
| Average earning assets | $37,743,500 | 7,080 |
| Average equity | $5,511,000 | 6,841 |
| Average total loans | $11,853,750 | 7,683 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7032% | 7,386 |
| Cost of funding earning assets | 1.1998% | 7,104 |
| Net interest margin | 3.5034% | 4,781 |
| Noninterest income to average assets | 0.0151% | 7,891 |
| Noninterest expense to average assets | 3.0115% | 4,041 |
| Loan and lease loss provision to assets | 0.0452% | 6,780 |
| Net operating income to assets | 0.2916% | 4,930 |
| Return on assets (ROA) | 0.2916% | 5,038 |
| Pretax return on assets | 0.2614% | 5,298 |
| Return on Equity (ROE) | 2.1030% | 5,263 |
| Retained earnings to average equity (ytd only) | 2.1030% | 4,176 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7576% | 1,746 |
| Assets per employee ($millions) | 3.6385% | 4,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0702% | 1,441 |
| Loan loss allowance to noncurrent loans | 58.5308% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 1.0544% | 4,859 |
| Noncurrent loans to loans | 3.5370% | 1,981 |
| Net loans and leases to total assets | 29.1925% | 7,906 |
| Net loans and leases to deposits | 34.1059% | 7,936 |
| Net loans and leases to core deposits | 38.2255% | 7,951 |
| Total domestic deposits to total assets | 85.5936% | 2,963 |
| Equity capital to assets | 13.8117% | 1,380 |
| Core capital (leverage) ratio | 13.8255% | 1,185 |
| Tier 1 risk-based capital ratio | 13.6773% | 3,706 |
| Total risk-based capital ratio | 14.2903% | 4,043 |
| Memoranda: | ||
| Average total assets | $39,781,000 | 7,216 |
| Average earning assets | $37,506,330 | 7,159 |
| Average equity | $5,516,000 | 6,893 |
| Average total loans | $11,902,670 | 7,755 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8305% | 7,323 |
| Cost of funding earning assets | 1.2535% | 7,166 |
| Net interest margin | 3.5769% | 4,419 |
| Noninterest income to average assets | 0.3833% | 5,355 |
| Noninterest expense to average assets | 3.0157% | 3,695 |
| Loan and lease loss provision to assets | 0.0908% | 5,793 |
| Net operating income to assets | 0.5850% | 4,079 |
| Return on assets (ROA) | 0.5850% | 4,272 |
| Pretax return on assets | 0.6152% | 4,712 |
| Return on Equity (ROE) | 4.2105% | 4,839 |
| Retained earnings to average equity (ytd only) | 4.2105% | 3,566 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0298% | 2,670 |
| Assets per employee ($millions) | 3.6525% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0916% | 1,250 |
| Loan loss allowance to noncurrent loans | 56.6514% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 2.8847% | 1,978 |
| Noncurrent loans to loans | 3.6921% | 1,695 |
| Net loans and leases to total assets | 28.7769% | 7,943 |
| Net loans and leases to deposits | 33.5617% | 7,988 |
| Net loans and leases to core deposits | 37.3329% | 8,012 |
| Total domestic deposits to total assets | 85.7434% | 2,854 |
| Equity capital to assets | 13.7762% | 1,427 |
| Core capital (leverage) ratio | 13.7872% | 1,239 |
| Tier 1 risk-based capital ratio | 13.5988% | 3,801 |
| Total risk-based capital ratio | 14.2082% | 4,131 |
| Memoranda: | ||
| Average total assets | $39,659,500 | 7,267 |
| Average earning assets | $37,015,000 | 7,216 |
| Average equity | $5,510,000 | 6,942 |
| Average total loans | $11,888,500 | 7,809 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1479% | 7,730 |
| Cost of funding earning assets | 1.5540% | 7,527 |
| Net interest margin | 3.5939% | 4,916 |
| Noninterest income to average assets | 0.3626% | 5,818 |
| Noninterest expense to average assets | 2.9660% | 4,199 |
| Loan and lease loss provision to assets | 0.0906% | 6,249 |
| Net operating income to assets | 0.6295% | 4,190 |
| Return on assets (ROA) | 0.6295% | 4,037 |
| Pretax return on assets | 0.6773% | 4,461 |
| Return on Equity (ROE) | 4.5679% | 4,569 |
| Retained earnings to average equity (ytd only) | 1.8272% | 4,097 |
| Net charge-offs to loans | 0.1460% | 4,752 |
| Credit loss provision to net charge-offs | 189.4737% | 2,606 |
| Earnings coverage of net charge-offs (x) | 16.0526% | 1,876 |
| Efficiency ratio | 79.4336% | 2,679 |
| Assets per employee ($millions) | 3.2618% | 5,310 |
| Cash dividends to net income (ytd only)* | 60.0000% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9886% | 1,247 |
| Loan loss allowance to noncurrent loans | 118.4080% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 2.3607% | 2,054 |
| Noncurrent loans to loans | 1.6795% | 3,249 |
| Net loans and leases to total assets | 29.9686% | 7,988 |
| Net loans and leases to deposits | 37.5829% | 7,986 |
| Net loans and leases to core deposits | 41.4532% | 8,028 |
| Total domestic deposits to total assets | 79.7399% | 5,118 |
| Equity capital to assets | 14.0134% | 1,420 |
| Core capital (leverage) ratio | 13.5244% | 1,380 |
| Tier 1 risk-based capital ratio | 13.8662% | 3,613 |
| Total risk-based capital ratio | 14.4713% | 3,894 |
| Memoranda: | ||
| Average total assets | $39,717,000 | 7,224 |
| Average earning assets | $37,257,600 | 7,182 |
| Average equity | $5,473,000 | 6,988 |
| Average total loans | $13,011,000 | 7,771 |