Home > The Stock Exchange Bank, Caldwell, Kansas > Performance and Condition Ratios
The Stock Exchange Bank, Caldwell, Kansas, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6483% | 989 |
| Cost of funding earning assets | 1.7250% | 1,398 |
| Net interest margin | 3.9233% | 1,329 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 3.0226% | 1,098 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 0.6357% | 3,349 |
| Return on assets (ROA) | 0.6408% | 3,317 |
| Pretax return on assets | 0.8118% | 3,185 |
| Return on Equity (ROE) | 8.8000% | 2,806 |
| Retained earnings to average equity (ytd only) | 5.5914% | 2,379 |
| Net charge-offs to loans | 0.1787% | 599 |
| Credit loss provision to net charge-offs | 116.2393% | 1,708 |
| Earnings coverage of net charge-offs (x) | 6.5556% | 2,464 |
| Efficiency ratio | 75.5343% | 1,294 |
| Assets per employee ($millions) | 5.8636% | 2,936 |
| Cash dividends to net income (ytd only)* | 36.4542% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 2,377 |
| Loan loss allowance to noncurrent loans | 261.9048% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.3837% | 1,445 |
| Noncurrent loans to loans | 0.4526% | 1,650 |
| Net loans and leases to total assets | 83.7800% | 286 |
| Net loans and leases to deposits | 92.9803% | 1,014 |
| Net loans and leases to core deposits | 115.3798% | 769 |
| Total domestic deposits to total assets | 90.1000% | 731 |
| Equity capital to assets | 7.1361% | 3,883 |
| Core capital (leverage) ratio | 8.0782% | 4,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1989% | 2,169 |
| Memoranda: | ||
| Average total assets | $78,342,200 | 4,029 |
| Average earning assets | $73,331,800 | 3,999 |
| Average equity | $5,705,200 | 4,191 |
| Average total loans | $65,469,800 | 3,620 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4791% | 1,037 |
| Cost of funding earning assets | 1.5818% | 1,406 |
| Net interest margin | 3.8973% | 1,410 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.9455% | 1,146 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 0.5857% | 3,578 |
| Return on assets (ROA) | 0.5925% | 3,546 |
| Pretax return on assets | 0.8165% | 3,297 |
| Return on Equity (ROE) | 8.0900% | 3,168 |
| Retained earnings to average equity (ytd only) | 4.7055% | 3,042 |
| Net charge-offs to loans | 0.2442% | 365 |
| Credit loss provision to net charge-offs | 115.2542% | 1,516 |
| Earnings coverage of net charge-offs (x) | 5.1271% | 2,361 |
| Efficiency ratio | 73.8661% | 1,375 |
| Assets per employee ($millions) | 5.7246% | 2,992 |
| Cash dividends to net income (ytd only)* | 41.8605% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 2,012 |
| 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 | 80.0400% | 641 |
| Net loans and leases to deposits | 86.1354% | 1,554 |
| Net loans and leases to core deposits | 102.6156% | 1,180 |
| Total domestic deposits to total assets | 92.9200% | 311 |
| Equity capital to assets | 6.8290% | 3,695 |
| Core capital (leverage) ratio | 8.2603% | 4,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5304% | 2,068 |
| Memoranda: | ||
| Average total assets | $77,405,250 | 4,055 |
| Average earning assets | $72,322,000 | 4,027 |
| Average equity | $5,667,000 | 4,207 |
| Average total loans | $64,438,250 | 3,647 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2664% | 1,121 |
| Cost of funding earning assets | 1.3326% | 1,626 |
| Net interest margin | 3.9338% | 1,361 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 3.0278% | 998 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 0.6486% | 3,463 |
| Return on assets (ROA) | 0.6589% | 3,440 |
| Pretax return on assets | 0.8837% | 3,211 |
| Return on Equity (ROE) | 8.7900% | 3,035 |
| Retained earnings to average equity (ytd only) | 5.0945% | 2,916 |
| Net charge-offs to loans | 0.3081% | 271 |
| Credit loss provision to net charge-offs | 88.8889% | 1,508 |
| Earnings coverage of net charge-offs (x) | 4.2525% | 2,227 |
| Efficiency ratio | 73.3376% | 1,426 |
| Assets per employee ($millions) | 4.9371% | 3,647 |
| Cash dividends to net income (ytd only)* | 42.0635% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 2,486 |
| Loan loss allowance to noncurrent loans | 303.8168% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.3317% | 1,592 |
| Noncurrent loans to loans | 0.3920% | 1,752 |
| Net loans and leases to total assets | 83.6000% | 299 |
| Net loans and leases to deposits | 97.7430% | 630 |
| Net loans and leases to core deposits | 111.6536% | 760 |
| Total domestic deposits to total assets | 85.5300% | 2,383 |
| Equity capital to assets | 7.2930% | 3,643 |
| Core capital (leverage) ratio | 8.4087% | 4,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1809% | 2,220 |
| Memoranda: | ||
| Average total assets | $76,492,333 | 4,085 |
| Average earning assets | $71,889,667 | 4,055 |
| Average equity | $5,731,667 | 4,227 |
| Average total loans | $64,261,000 | 3,649 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1496% | 1,020 |
| Cost of funding earning assets | 1.1431% | 1,622 |
| Net interest margin | 4.0065% | 1,250 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.9771% | 1,100 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.8984% | 2,859 |
| Return on assets (ROA) | 0.8984% | 2,818 |
| Pretax return on assets | 1.1749% | 2,496 |
| Return on Equity (ROE) | 11.8200% | 2,263 |
| Retained earnings to average equity (ytd only) | 8.4660% | 2,088 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.6179% | 1,686 |
| Assets per employee ($millions) | 4.7207% | 3,870 |
| Cash dividends to net income (ytd only)* | 28.4024% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 2,067 |
| Loan loss allowance to noncurrent loans | 362.3894% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.2992% | 1,666 |
| Noncurrent loans to loans | 0.3566% | 1,864 |
| Net loans and leases to total assets | 82.8300% | 304 |
| Net loans and leases to deposits | 92.5552% | 884 |
| Net loans and leases to core deposits | 103.9290% | 929 |
| Total domestic deposits to total assets | 89.4900% | 1,345 |
| Equity capital to assets | 7.7028% | 3,441 |
| Core capital (leverage) ratio | 8.6089% | 4,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $75,241,500 | 4,157 |
| Average earning assets | $70,684,500 | 4,125 |
| Average equity | $5,717,000 | 4,278 |
| Average total loans | $62,972,500 | 3,714 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4943% | 729 |
| Cost of funding earning assets | 0.4502% | 1,724 |
| Net interest margin | 4.0441% | 730 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 3.1280% | 802 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.8029% | 3,313 |
| Return on assets (ROA) | 0.8007% | 3,251 |
| Pretax return on assets | 1.0321% | 2,969 |
| Return on Equity (ROE) | 9.8500% | 2,849 |
| Retained earnings to average equity (ytd only) | 7.1474% | 2,179 |
| Net charge-offs to loans | 0.0527% | 1,144 |
| Credit loss provision to net charge-offs | 265.5172% | 972 |
| Earnings coverage of net charge-offs (x) | 27.4828% | 1,730 |
| Efficiency ratio | 73.1921% | 1,300 |
| Assets per employee ($millions) | 4.6845% | 3,912 |
| Cash dividends to net income (ytd only)* | 27.4686% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 1,949 |
| Loan loss allowance to noncurrent loans | 357.0796% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 1,649 |
| Noncurrent loans to loans | 0.3612% | 1,842 |
| Net loans and leases to total assets | 82.4000% | 379 |
| Net loans and leases to deposits | 95.3763% | 687 |
| Net loans and leases to core deposits | 107.1255% | 704 |
| Total domestic deposits to total assets | 86.3900% | 2,608 |
| Equity capital to assets | 7.4928% | 3,390 |
| Core capital (leverage) ratio | 8.6166% | 4,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $69,566,200 | 4,234 |
| Average earning assets | $65,527,400 | 4,202 |
| Average equity | $5,652,400 | 4,366 |
| Average total loans | $55,061,000 | 3,824 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3188% | 705 |
| Cost of funding earning assets | 0.3502% | 1,698 |
| Net interest margin | 3.9686% | 683 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 3.0254% | 876 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.8503% | 3,065 |
| Return on assets (ROA) | 0.8580% | 3,013 |
| Pretax return on assets | 1.0945% | 2,742 |
| Return on Equity (ROE) | 10.3400% | 2,626 |
| Retained earnings to average equity (ytd only) | 7.6303% | 2,137 |
| Net charge-offs to loans | -0.0526% | 4,321 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.2352% | 1,483 |
| Assets per employee ($millions) | 4.3752% | 4,135 |
| Cash dividends to net income (ytd only)* | 26.1959% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 1,574 |
| Loan loss allowance to noncurrent loans | 219.2513% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.5343% | 1,010 |
| Noncurrent loans to loans | 0.6434% | 1,263 |
| Net loans and leases to total assets | 81.8600% | 387 |
| Net loans and leases to deposits | 93.4160% | 670 |
| Net loans and leases to core deposits | 102.9165% | 702 |
| Total domestic deposits to total assets | 87.6300% | 2,543 |
| Equity capital to assets | 7.8082% | 3,017 |
| Core capital (leverage) ratio | 9.1430% | 3,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $68,219,750 | 4,277 |
| Average earning assets | $64,337,000 | 4,243 |
| Average equity | $5,661,500 | 4,402 |
| Average total loans | $53,184,500 | 3,865 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2239% | 603 |
| Cost of funding earning assets | 0.3421% | 1,346 |
| Net interest margin | 3.8818% | 631 |
| Noninterest income to average assets | 0.4259% | 2,594 |
| Noninterest expense to average assets | 2.9811% | 867 |
| Loan and lease loss provision to assets | 0.0710% | 1,348 |
| Net operating income to assets | 0.8222% | 2,880 |
| Return on assets (ROA) | 0.8340% | 2,813 |
| Pretax return on assets | 1.0469% | 2,579 |
| Return on Equity (ROE) | 9.8487% | 2,385 |
| Retained earnings to average equity (ytd only) | 7.1595% | 1,932 |
| Net charge-offs to loans | -0.0815% | 4,390 |
| Credit loss provision to net charge-offs | -114.2857% | 3,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9906% | 1,630 |
| Assets per employee ($millions) | 5.1762% | 3,531 |
| Cash dividends to net income (ytd only)* | 27.3050% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4978% | 1,410 |
| Loan loss allowance to noncurrent loans | 618.4615% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.1932% | 2,375 |
| Noncurrent loans to loans | 0.2422% | 2,515 |
| Net loans and leases to total assets | 78.5781% | 514 |
| Net loans and leases to deposits | 86.1257% | 960 |
| Net loans and leases to core deposits | 94.8772% | 874 |
| Total domestic deposits to total assets | 91.2366% | 1,135 |
| Equity capital to assets | 8.1957% | 2,972 |
| Core capital (leverage) ratio | 9.0773% | 3,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,625,333 | 4,328 |
| Average earning assets | $63,732,667 | 4,307 |
| Average equity | $5,726,667 | 4,442 |
| Average total loans | $51,537,000 | 3,937 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1356% | 592 |
| Cost of funding earning assets | 0.3498% | 1,201 |
| Net interest margin | 3.7857% | 649 |
| Noninterest income to average assets | 0.3835% | 2,789 |
| Noninterest expense to average assets | 2.8145% | 1,133 |
| Loan and lease loss provision to assets | 0.0708% | 1,162 |
| Net operating income to assets | 0.8556% | 2,467 |
| Return on assets (ROA) | 0.8556% | 2,457 |
| Pretax return on assets | 1.0739% | 2,221 |
| Return on Equity (ROE) | 9.9443% | 1,985 |
| Retained earnings to average equity (ytd only) | 7.3382% | 1,788 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0879% | 2,092 |
| Assets per employee ($millions) | 5.2661% | 3,531 |
| Cash dividends to net income (ytd only)* | 26.2069% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 1,404 |
| Loan loss allowance to noncurrent loans | 593.0769% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 2,491 |
| Noncurrent loans to loans | 0.2612% | 2,539 |
| Net loans and leases to total assets | 71.5815% | 871 |
| Net loans and leases to deposits | 78.1850% | 1,271 |
| Net loans and leases to core deposits | 86.9791% | 1,081 |
| Total domestic deposits to total assets | 91.5541% | 776 |
| Equity capital to assets | 8.3495% | 3,285 |
| Core capital (leverage) ratio | 8.7616% | 3,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,792,500 | 4,348 |
| Average earning assets | $64,030,000 | 4,328 |
| Average equity | $5,832,500 | 4,482 |
| Average total loans | $50,465,500 | 3,964 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1006% | 1,159 |
| Cost of funding earning assets | 0.4038% | 1,521 |
| Net interest margin | 3.6968% | 1,224 |
| Noninterest income to average assets | 1.0655% | 902 |
| Noninterest expense to average assets | 3.2146% | 711 |
| Loan and lease loss provision to assets | 0.0834% | 1,477 |
| Net operating income to assets | 0.9783% | 2,759 |
| Return on assets (ROA) | 0.9867% | 2,796 |
| Pretax return on assets | 1.2746% | 2,440 |
| Return on Equity (ROE) | 11.1005% | 2,132 |
| Retained earnings to average equity (ytd only) | 8.0994% | 1,500 |
| Net charge-offs to loans | -0.1100% | 4,599 |
| Credit loss provision to net charge-offs | -103.7736% | 3,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4651% | 1,683 |
| Assets per employee ($millions) | 4.7947% | 3,892 |
| Cash dividends to net income (ytd only)* | 27.0353% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4837% | 1,619 |
| Loan loss allowance to noncurrent loans | 223.8938% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.5050% | 1,319 |
| Noncurrent loans to loans | 0.6627% | 1,510 |
| Net loans and leases to total assets | 75.0782% | 582 |
| Net loans and leases to deposits | 82.5747% | 1,013 |
| Net loans and leases to core deposits | 92.1554% | 869 |
| Total domestic deposits to total assets | 90.9216% | 520 |
| Equity capital to assets | 8.8624% | 3,751 |
| Core capital (leverage) ratio | 8.8788% | 3,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,980,800 | 4,379 |
| Average earning assets | $62,405,800 | 4,356 |
| Average equity | $5,864,600 | 4,544 |
| Average total loans | $48,168,800 | 4,036 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0639% | 1,392 |
| Cost of funding earning assets | 0.4139% | 1,596 |
| Net interest margin | 3.6500% | 1,464 |
| Noninterest income to average assets | 1.3131% | 684 |
| Noninterest expense to average assets | 2.9936% | 989 |
| Loan and lease loss provision to assets | 0.1111% | 1,087 |
| Net operating income to assets | 1.2755% | 1,901 |
| Return on assets (ROA) | 1.2867% | 1,923 |
| Pretax return on assets | 1.6764% | 1,470 |
| Return on Equity (ROE) | 14.4659% | 1,265 |
| Retained earnings to average equity (ytd only) | 11.5681% | 923 |
| Net charge-offs to loans | -0.1462% | 4,722 |
| Credit loss provision to net charge-offs | -105.7692% | 3,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7927% | 2,568 |
| Assets per employee ($millions) | 4.7262% | 3,941 |
| Cash dividends to net income (ytd only)* | 20.0315% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5674% | 1,421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 72.0359% | 871 |
| Net loans and leases to deposits | 79.6058% | 1,328 |
| Net loans and leases to core deposits | 89.5317% | 1,058 |
| Total domestic deposits to total assets | 90.4907% | 569 |
| Equity capital to assets | 9.1420% | 3,708 |
| Core capital (leverage) ratio | 8.9499% | 3,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,694,500 | 4,440 |
| Average earning assets | $62,172,250 | 4,417 |
| Average equity | $5,843,500 | 4,611 |
| Average total loans | $47,422,000 | 4,105 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0321% | 1,490 |
| Cost of funding earning assets | 0.4355% | 1,613 |
| Net interest margin | 3.5967% | 1,602 |
| Noninterest income to average assets | 1.8066% | 389 |
| Noninterest expense to average assets | 2.9052% | 1,135 |
| Loan and lease loss provision to assets | 0.1678% | 694 |
| Net operating income to assets | 1.6327% | 979 |
| Return on assets (ROA) | 1.6327% | 1,032 |
| Pretax return on assets | 2.1362% | 643 |
| Return on Equity (ROE) | 18.5281% | 592 |
| Retained earnings to average equity (ytd only) | 15.8615% | 344 |
| Net charge-offs to loans | -0.1572% | 4,741 |
| Credit loss provision to net charge-offs | -148.6486% | 3,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7704% | 3,571 |
| Assets per employee ($millions) | 4.8466% | 3,789 |
| Cash dividends to net income (ytd only)* | 14.3925% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 1,316 |
| Loan loss allowance to noncurrent loans | 3,715.0000% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 4,061 |
| Noncurrent loans to loans | 0.0426% | 3,976 |
| Net loans and leases to total assets | 68.0324% | 1,441 |
| Net loans and leases to deposits | 74.8958% | 1,919 |
| Net loans and leases to core deposits | 83.4907% | 1,606 |
| Total domestic deposits to total assets | 90.8361% | 424 |
| Equity capital to assets | 8.8309% | 3,945 |
| Core capital (leverage) ratio | 8.7034% | 3,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,537,000 | 4,471 |
| Average earning assets | $62,002,000 | 4,448 |
| Average equity | $5,775,000 | 4,644 |
| Average total loans | $47,088,333 | 4,134 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1282% | 1,330 |
| Cost of funding earning assets | 0.4536% | 1,692 |
| Net interest margin | 3.6746% | 1,392 |
| Noninterest income to average assets | 1.5098% | 590 |
| Noninterest expense to average assets | 3.0320% | 941 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4850% | 1,361 |
| Return on assets (ROA) | 1.4850% | 1,425 |
| Pretax return on assets | 1.9509% | 1,028 |
| Return on Equity (ROE) | 16.8711% | 869 |
| Retained earnings to average equity (ytd only) | 14.8240% | 646 |
| Net charge-offs to loans | -0.3052% | 4,849 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8479% | 2,928 |
| Assets per employee ($millions) | 4.7233% | 3,905 |
| Cash dividends to net income (ytd only)* | 12.1339% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 1,680 |
| Loan loss allowance to noncurrent loans | 22,900.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 3,549 |
| Noncurrent loans to loans | 0.0065% | 4,295 |
| Net loans and leases to total assets | 69.2375% | 1,387 |
| Net loans and leases to deposits | 75.9926% | 1,911 |
| Net loans and leases to core deposits | 85.3256% | 1,567 |
| Total domestic deposits to total assets | 91.1109% | 361 |
| Equity capital to assets | 8.6970% | 3,968 |
| Core capital (leverage) ratio | 8.6201% | 3,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,379,000 | 4,501 |
| Average earning assets | $60,849,500 | 4,479 |
| Average equity | $5,666,500 | 4,676 |
| Average total loans | $47,180,000 | 4,154 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8364% | 688 |
| Cost of funding earning assets | 0.6961% | 1,731 |
| Net interest margin | 4.1403% | 726 |
| Noninterest income to average assets | 0.3951% | 3,116 |
| Noninterest expense to average assets | 3.2579% | 955 |
| Loan and lease loss provision to assets | 0.0937% | 3,181 |
| Net operating income to assets | 0.7168% | 3,374 |
| Return on assets (ROA) | 0.7800% | 3,293 |
| Pretax return on assets | 1.0133% | 3,002 |
| Return on Equity (ROE) | 8.5178% | 2,593 |
| Retained earnings to average equity (ytd only) | 6.7696% | 1,476 |
| Net charge-offs to loans | 0.3162% | 562 |
| Credit loss provision to net charge-offs | 37.4150% | 3,197 |
| Earnings coverage of net charge-offs (x) | 4.1020% | 3,028 |
| Efficiency ratio | 76.0334% | 1,223 |
| Assets per employee ($millions) | 4.4737% | 3,943 |
| Cash dividends to net income (ytd only)* | 20.5240% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3594% | 2,155 |
| Loan loss allowance to noncurrent loans | 3,829.4118% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 4,237 |
| Noncurrent loans to loans | 0.0355% | 4,162 |
| Net loans and leases to total assets | 75.4215% | 854 |
| Net loans and leases to deposits | 82.8795% | 1,562 |
| Net loans and leases to core deposits | 92.6290% | 1,331 |
| Total domestic deposits to total assets | 91.0014% | 227 |
| Equity capital to assets | 8.9124% | 4,131 |
| Core capital (leverage) ratio | 8.7735% | 3,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,718,200 | 4,529 |
| Average earning assets | $55,164,600 | 4,506 |
| Average equity | $5,377,000 | 4,708 |
| Average total loans | $46,486,400 | 4,175 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9105% | 718 |
| Cost of funding earning assets | 0.7360% | 1,826 |
| Net interest margin | 4.1745% | 772 |
| Noninterest income to average assets | 0.4410% | 2,882 |
| Noninterest expense to average assets | 3.2628% | 964 |
| Loan and lease loss provision to assets | 0.0623% | 3,561 |
| Net operating income to assets | 0.7894% | 3,130 |
| Return on assets (ROA) | 0.8752% | 2,926 |
| Pretax return on assets | 1.1407% | 2,598 |
| Return on Equity (ROE) | 9.4883% | 2,207 |
| Retained earnings to average equity (ytd only) | 7.8610% | 1,352 |
| Net charge-offs to loans | -0.1907% | 4,922 |
| Credit loss provision to net charge-offs | -40.9091% | 3,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8808% | 1,315 |
| Assets per employee ($millions) | 4.6985% | 3,601 |
| Cash dividends to net income (ytd only)* | 17.1504% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7329% | 834 |
| Loan loss allowance to noncurrent loans | 440.0000% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 1.0691% | 1,004 |
| Noncurrent loans to loans | 0.3938% | 2,879 |
| Net loans and leases to total assets | 77.6150% | 879 |
| Net loans and leases to deposits | 85.5354% | 1,758 |
| Net loans and leases to core deposits | 95.6308% | 1,489 |
| Total domestic deposits to total assets | 90.7402% | 225 |
| Equity capital to assets | 9.0601% | 4,068 |
| Core capital (leverage) ratio | 8.9331% | 3,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,739,750 | 4,557 |
| Average earning assets | $54,168,750 | 4,541 |
| Average equity | $5,325,750 | 4,737 |
| Average total loans | $46,135,750 | 4,202 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9792% | 863 |
| Cost of funding earning assets | 0.7548% | 2,086 |
| Net interest margin | 4.2244% | 869 |
| Noninterest income to average assets | 0.4980% | 2,577 |
| Noninterest expense to average assets | 3.3130% | 974 |
| Loan and lease loss provision to assets | 0.0777% | 3,325 |
| Net operating income to assets | 0.8119% | 3,002 |
| Return on assets (ROA) | 0.9430% | 2,654 |
| Pretax return on assets | 1.2468% | 2,194 |
| Return on Equity (ROE) | 10.1592% | 1,937 |
| Retained earnings to average equity (ytd only) | 8.9796% | 1,014 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0916% | 1,456 |
| Assets per employee ($millions) | 4.6994% | 3,529 |
| Cash dividends to net income (ytd only)* | 11.6105% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6572% | 894 |
| Loan loss allowance to noncurrent loans | 98.2028% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 1.3717% | 726 |
| Noncurrent loans to loans | 1.6875% | 857 |
| Net loans and leases to total assets | 74.3092% | 1,372 |
| Net loans and leases to deposits | 82.0344% | 2,202 |
| Net loans and leases to core deposits | 90.6417% | 2,018 |
| Total domestic deposits to total assets | 90.5831% | 256 |
| Equity capital to assets | 8.9242% | 4,153 |
| Core capital (leverage) ratio | 9.3013% | 3,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,626,000 | 4,590 |
| Average earning assets | $53,261,667 | 4,565 |
| Average equity | $5,256,333 | 4,773 |
| Average total loans | $45,433,000 | 4,229 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2353% | 620 |
| Cost of funding earning assets | 0.8060% | 2,354 |
| Net interest margin | 4.4292% | 589 |
| Noninterest income to average assets | 0.3824% | 3,217 |
| Noninterest expense to average assets | 3.5299% | 892 |
| Loan and lease loss provision to assets | 0.0662% | 2,936 |
| Net operating income to assets | 0.7280% | 3,175 |
| Return on assets (ROA) | 0.7280% | 3,260 |
| Pretax return on assets | 0.9487% | 3,004 |
| Return on Equity (ROE) | 7.6804% | 2,643 |
| Retained earnings to average equity (ytd only) | 7.6804% | 1,322 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6699% | 1,378 |
| Assets per employee ($millions) | 4.2660% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6508% | 951 |
| Loan loss allowance to noncurrent loans | 142.6945% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.9503% | 1,403 |
| Noncurrent loans to loans | 1.1569% | 1,433 |
| Net loans and leases to total assets | 80.7837% | 596 |
| Net loans and leases to deposits | 89.3768% | 1,585 |
| Net loans and leases to core deposits | 99.8129% | 1,487 |
| Total domestic deposits to total assets | 90.3855% | 223 |
| Equity capital to assets | 9.3494% | 4,352 |
| Core capital (leverage) ratio | 9.6965% | 3,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,393,000 | 4,631 |
| Average earning assets | $51,115,000 | 4,618 |
| Average equity | $5,156,000 | 4,818 |
| Average total loans | $45,068,500 | 4,247 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4282% | 631 |
| Cost of funding earning assets | 0.8541% | 2,406 |
| Net interest margin | 4.5741% | 605 |
| Noninterest income to average assets | 0.3173% | 3,797 |
| Noninterest expense to average assets | 3.3355% | 1,236 |
| Loan and lease loss provision to assets | 0.1064% | 1,953 |
| Net operating income to assets | 0.9333% | 3,081 |
| Return on assets (ROA) | 0.9333% | 3,162 |
| Pretax return on assets | 1.2039% | 2,836 |
| Return on Equity (ROE) | 10.2948% | 2,160 |
| Retained earnings to average equity (ytd only) | 10.2948% | 443 |
| Net charge-offs to loans | -0.0088% | 4,435 |
| Credit loss provision to net charge-offs | -1,425.0000% | 4,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7959% | 1,896 |
| Assets per employee ($millions) | 3.8091% | 4,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6665% | 858 |
| Loan loss allowance to noncurrent loans | 78.3755% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.7777% | 495 |
| Noncurrent loans to loans | 2.1263% | 589 |
| Net loans and leases to total assets | 82.2101% | 536 |
| Net loans and leases to deposits | 91.6313% | 1,412 |
| Net loans and leases to core deposits | 102.9156% | 1,321 |
| Total domestic deposits to total assets | 89.7183% | 417 |
| Equity capital to assets | 9.6141% | 4,262 |
| Core capital (leverage) ratio | 9.4523% | 4,110 |
| Tier 1 risk-based capital ratio | 14.3817% | 3,076 |
| Total risk-based capital ratio | 15.6416% | 2,982 |
| Memoranda: | ||
| Average total assets | $53,574,800 | 4,688 |
| Average earning assets | $50,698,200 | 4,661 |
| Average equity | $4,856,800 | 4,901 |
| Average total loans | $45,287,400 | 4,273 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4662% | 626 |
| Cost of funding earning assets | 0.8367% | 2,526 |
| Net interest margin | 4.6295% | 578 |
| Noninterest income to average assets | 0.3381% | 3,710 |
| Noninterest expense to average assets | 3.2937% | 1,282 |
| Loan and lease loss provision to assets | 0.1417% | 1,359 |
| Net operating income to assets | 1.0117% | 2,940 |
| Return on assets (ROA) | 1.0117% | 3,019 |
| Pretax return on assets | 1.2901% | 2,701 |
| Return on Equity (ROE) | 11.3306% | 1,880 |
| Retained earnings to average equity (ytd only) | 11.3306% | 468 |
| Net charge-offs to loans | -0.0059% | 4,241 |
| Credit loss provision to net charge-offs | -2,850.0000% | 4,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7002% | 2,163 |
| Assets per employee ($millions) | 3.8700% | 4,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6237% | 948 |
| Loan loss allowance to noncurrent loans | 332.2870% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.4116% | 2,865 |
| Noncurrent loans to loans | 0.4886% | 2,832 |
| Net loans and leases to total assets | 82.8627% | 472 |
| Net loans and leases to deposits | 98.2428% | 796 |
| Net loans and leases to core deposits | 106.2327% | 1,167 |
| Total domestic deposits to total assets | 84.3448% | 2,694 |
| Equity capital to assets | 9.2765% | 4,613 |
| Core capital (leverage) ratio | 9.2368% | 4,446 |
| Tier 1 risk-based capital ratio | 13.9992% | 3,336 |
| Total risk-based capital ratio | 15.2582% | 3,236 |
| Memoranda: | ||
| Average total assets | $53,636,500 | 4,756 |
| Average earning assets | $50,832,500 | 4,730 |
| Average equity | $4,789,250 | 4,973 |
| Average total loans | $45,463,250 | 4,326 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4098% | 666 |
| Cost of funding earning assets | 0.8201% | 2,548 |
| Net interest margin | 4.5896% | 633 |
| Noninterest income to average assets | 0.3779% | 3,418 |
| Noninterest expense to average assets | 3.2064% | 1,490 |
| Loan and lease loss provision to assets | 0.1010% | 1,854 |
| Net operating income to assets | 1.0962% | 2,533 |
| Return on assets (ROA) | 1.0962% | 2,603 |
| Pretax return on assets | 1.4255% | 2,125 |
| Return on Equity (ROE) | 12.4407% | 1,434 |
| Retained earnings to average equity (ytd only) | 12.4407% | 359 |
| Net charge-offs to loans | -0.0044% | 4,092 |
| Credit loss provision to net charge-offs | -2,700.0000% | 4,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7470% | 2,578 |
| Assets per employee ($millions) | 4.1936% | 3,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 1,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 83.5978% | 400 |
| Net loans and leases to deposits | 99.2357% | 738 |
| Net loans and leases to core deposits | 109.2035% | 1,023 |
| Total domestic deposits to total assets | 84.2416% | 2,768 |
| Equity capital to assets | 8.9972% | 4,798 |
| Core capital (leverage) ratio | 9.1210% | 4,531 |
| Tier 1 risk-based capital ratio | 13.5172% | 3,575 |
| Total risk-based capital ratio | 14.7748% | 3,467 |
| Memoranda: | ||
| Average total assets | $53,455,330 | 4,796 |
| Average earning assets | $50,723,000 | 4,766 |
| Average equity | $4,710,330 | 5,017 |
| Average total loans | $45,405,670 | 4,360 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5091% | 517 |
| Cost of funding earning assets | 0.7563% | 2,760 |
| Net interest margin | 4.7528% | 441 |
| Noninterest income to average assets | 0.4081% | 3,134 |
| Noninterest expense to average assets | 3.4011% | 1,105 |
| Loan and lease loss provision to assets | 0.0756% | 2,171 |
| Net operating income to assets | 1.1110% | 2,430 |
| Return on assets (ROA) | 1.1110% | 2,476 |
| Pretax return on assets | 1.4436% | 1,944 |
| Return on Equity (ROE) | 12.7466% | 1,307 |
| Retained earnings to average equity (ytd only) | 12.7466% | 503 |
| Net charge-offs to loans | 0.0089% | 2,377 |
| Credit loss provision to net charge-offs | 1,000.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 201.0000% | 387 |
| Efficiency ratio | 69.1244% | 2,485 |
| Assets per employee ($millions) | 4.0087% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5573% | 1,157 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 83.8179% | 389 |
| Net loans and leases to deposits | 92.2979% | 1,373 |
| Net loans and leases to core deposits | 101.2447% | 1,518 |
| Total domestic deposits to total assets | 90.8123% | 205 |
| Equity capital to assets | 9.0342% | 4,655 |
| Core capital (leverage) ratio | 8.9400% | 4,689 |
| Tier 1 risk-based capital ratio | 13.4896% | 3,607 |
| Total risk-based capital ratio | 14.7463% | 3,514 |
| Memoranda: | ||
| Average total assets | $52,924,500 | 4,854 |
| Average earning assets | $50,244,500 | 4,822 |
| Average equity | $4,613,000 | 5,071 |
| Average total loans | $44,966,000 | 4,410 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0749% | 898 |
| Cost of funding earning assets | 0.5785% | 2,866 |
| Net interest margin | 4.4964% | 767 |
| Noninterest income to average assets | 0.3375% | 3,860 |
| Noninterest expense to average assets | 3.4687% | 1,037 |
| Loan and lease loss provision to assets | 0.1553% | 1,351 |
| Net operating income to assets | 0.7401% | 4,001 |
| Return on assets (ROA) | 0.7401% | 4,005 |
| Pretax return on assets | 0.9760% | 3,684 |
| Return on Equity (ROE) | 8.9822% | 3,005 |
| Retained earnings to average equity (ytd only) | 8.9822% | 871 |
| Net charge-offs to loans | 0.2391% | 816 |
| Credit loss provision to net charge-offs | 77.8846% | 2,897 |
| Earnings coverage of net charge-offs (x) | 5.6731% | 3,167 |
| Efficiency ratio | 75.4064% | 1,440 |
| Assets per employee ($millions) | 3.5824% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 1,303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 83.5176% | 455 |
| Net loans and leases to deposits | 95.8728% | 1,081 |
| Net loans and leases to core deposits | 106.3458% | 1,245 |
| Total domestic deposits to total assets | 87.1129% | 1,729 |
| Equity capital to assets | 8.4078% | 4,984 |
| Core capital (leverage) ratio | 8.7190% | 4,865 |
| Tier 1 risk-based capital ratio | 12.4639% | 4,163 |
| Total risk-based capital ratio | 13.7187% | 4,023 |
| Memoranda: | ||
| Average total assets | $52,152,800 | 4,897 |
| Average earning assets | $49,439,400 | 4,865 |
| Average equity | $4,297,400 | 5,140 |
| Average total loans | $43,499,800 | 4,461 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9880% | 960 |
| Cost of funding earning assets | 0.5515% | 2,854 |
| Net interest margin | 4.4365% | 836 |
| Noninterest income to average assets | 0.3194% | 4,016 |
| Noninterest expense to average assets | 3.4262% | 1,080 |
| Loan and lease loss provision to assets | 0.1314% | 1,532 |
| Net operating income to assets | 0.7471% | 4,084 |
| Return on assets (ROA) | 0.7471% | 4,095 |
| Pretax return on assets | 0.9686% | 3,825 |
| Return on Equity (ROE) | 9.1145% | 3,034 |
| Retained earnings to average equity (ytd only) | 9.1145% | 1,175 |
| Net charge-offs to loans | 0.2574% | 650 |
| Credit loss provision to net charge-offs | 61.4458% | 2,731 |
| Earnings coverage of net charge-offs (x) | 5.1448% | 2,984 |
| Efficiency ratio | 75.6972% | 1,388 |
| Assets per employee ($millions) | 3.4402% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 1,193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 83.0165% | 563 |
| Net loans and leases to deposits | 91.5129% | 1,690 |
| Net loans and leases to core deposits | 99.0177% | 1,869 |
| Total domestic deposits to total assets | 90.7157% | 289 |
| Equity capital to assets | 8.4859% | 4,932 |
| Core capital (leverage) ratio | 8.8790% | 4,822 |
| Tier 1 risk-based capital ratio | 12.8499% | 3,992 |
| Total risk-based capital ratio | 14.1059% | 3,894 |
| Memoranda: | ||
| Average total assets | $51,757,000 | 4,958 |
| Average earning assets | $49,076,250 | 4,931 |
| Average equity | $4,242,250 | 5,214 |
| Average total loans | $42,984,500 | 4,525 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0089% | 798 |
| Cost of funding earning assets | 0.5213% | 2,825 |
| Net interest margin | 4.4877% | 717 |
| Noninterest income to average assets | 0.3281% | 4,000 |
| Noninterest expense to average assets | 3.2968% | 1,328 |
| Loan and lease loss provision to assets | 0.1776% | 1,019 |
| Net operating income to assets | 0.8531% | 3,665 |
| Return on assets (ROA) | 0.8531% | 3,662 |
| Pretax return on assets | 1.1079% | 3,285 |
| Return on Equity (ROE) | 10.5322% | 2,317 |
| Retained earnings to average equity (ytd only) | 10.5322% | 782 |
| Net charge-offs to loans | 0.1075% | 1,291 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 14.4783% | 2,097 |
| Efficiency ratio | 71.9461% | 2,017 |
| Assets per employee ($millions) | 3.4028% | 4,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7374% | 838 |
| Loan loss allowance to noncurrent loans | 223.6196% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.6387% | 2,307 |
| Noncurrent loans to loans | 0.7769% | 2,181 |
| Net loans and leases to total assets | 80.7766% | 890 |
| Net loans and leases to deposits | 89.3565% | 1,926 |
| Net loans and leases to core deposits | 96.8204% | 1,983 |
| Total domestic deposits to total assets | 90.3981% | 433 |
| Equity capital to assets | 8.4910% | 4,949 |
| Core capital (leverage) ratio | 8.5969% | 5,042 |
| Tier 1 risk-based capital ratio | 11.9243% | 4,543 |
| Total risk-based capital ratio | 13.1828% | 4,417 |
| Memoranda: | ||
| Average total assets | $51,808,330 | 5,017 |
| Average earning assets | $49,112,330 | 4,981 |
| Average equity | $4,196,670 | 5,278 |
| Average total loans | $42,808,330 | 4,572 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8145% | 1,048 |
| Cost of funding earning assets | 0.4847% | 2,911 |
| Net interest margin | 4.3298% | 902 |
| Noninterest income to average assets | 0.3755% | 3,625 |
| Noninterest expense to average assets | 3.4565% | 1,073 |
| Loan and lease loss provision to assets | 0.2376% | 646 |
| Net operating income to assets | 0.6131% | 4,385 |
| Return on assets (ROA) | 0.6131% | 4,392 |
| Pretax return on assets | 0.7894% | 4,177 |
| Return on Equity (ROE) | 7.7519% | 3,488 |
| Retained earnings to average equity (ytd only) | 7.7519% | 1,940 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0940% | 1,446 |
| Assets per employee ($millions) | 3.4841% | 4,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6978% | 949 |
| Loan loss allowance to noncurrent loans | 114.9766% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 1.2265% | 1,232 |
| Noncurrent loans to loans | 1.4766% | 1,201 |
| Net loans and leases to total assets | 81.6521% | 701 |
| Net loans and leases to deposits | 92.4559% | 1,397 |
| Net loans and leases to core deposits | 101.3924% | 1,577 |
| Total domestic deposits to total assets | 88.3146% | 1,453 |
| Equity capital to assets | 8.0383% | 5,254 |
| Core capital (leverage) ratio | 8.2070% | 5,310 |
| Tier 1 risk-based capital ratio | 11.8871% | 4,615 |
| Total risk-based capital ratio | 13.1467% | 4,504 |
| Memoranda: | ||
| Average total assets | $52,191,500 | 5,072 |
| Average earning assets | $49,517,000 | 5,036 |
| Average equity | $4,128,000 | 5,339 |
| Average total loans | $43,233,000 | 4,605 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6802% | 1,242 |
| Cost of funding earning assets | 0.4443% | 2,830 |
| Net interest margin | 4.2360% | 1,112 |
| Noninterest income to average assets | 0.3560% | 3,922 |
| Noninterest expense to average assets | 3.3255% | 1,323 |
| Loan and lease loss provision to assets | 0.1800% | 1,196 |
| Net operating income to assets | 0.5621% | 4,181 |
| Return on assets (ROA) | 0.5634% | 4,204 |
| Pretax return on assets | 0.8627% | 4,040 |
| Return on Equity (ROE) | 7.3126% | 3,113 |
| Retained earnings to average equity (ytd only) | 7.3126% | 976 |
| Net charge-offs to loans | 0.1171% | 1,872 |
| Credit loss provision to net charge-offs | 191.6667% | 1,423 |
| Earnings coverage of net charge-offs (x) | 11.0833% | 2,607 |
| Efficiency ratio | 76.1649% | 1,594 |
| Assets per employee ($millions) | 3.4761% | 4,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 1,194 |
| Loan loss allowance to noncurrent loans | 575.4237% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 4,003 |
| Noncurrent loans to loans | 0.2741% | 3,800 |
| Net loans and leases to total assets | 81.2739% | 784 |
| Net loans and leases to deposits | 92.6374% | 1,432 |
| Net loans and leases to core deposits | 103.6138% | 1,437 |
| Total domestic deposits to total assets | 87.7333% | 1,640 |
| Equity capital to assets | 7.8153% | 5,454 |
| Core capital (leverage) ratio | 7.9733% | 5,458 |
| Tier 1 risk-based capital ratio | 11.4122% | 4,909 |
| Total risk-based capital ratio | 12.6688% | 4,783 |
| Memoranda: | ||
| Average total assets | $51,120,400 | 5,137 |
| Average earning assets | $48,395,200 | 5,099 |
| Average equity | $3,938,400 | 5,430 |
| Average total loans | $40,980,000 | 4,703 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6405% | 1,272 |
| Cost of funding earning assets | 0.4402% | 2,808 |
| Net interest margin | 4.2003% | 1,155 |
| Noninterest income to average assets | 0.3722% | 3,864 |
| Noninterest expense to average assets | 3.2661% | 1,419 |
| Loan and lease loss provision to assets | 0.1048% | 2,013 |
| Net operating income to assets | 0.6317% | 4,268 |
| Return on assets (ROA) | 0.6317% | 4,322 |
| Pretax return on assets | 0.9777% | 3,774 |
| Return on Equity (ROE) | 8.2303% | 3,006 |
| Retained earnings to average equity (ytd only) | 8.2303% | 1,119 |
| Net charge-offs to loans | -0.0066% | 4,516 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1055% | 1,723 |
| Assets per employee ($millions) | 3.6329% | 4,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6289% | 1,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 80.3854% | 927 |
| Net loans and leases to deposits | 90.3953% | 1,761 |
| Net loans and leases to core deposits | 102.8373% | 1,476 |
| Total domestic deposits to total assets | 88.9265% | 924 |
| Equity capital to assets | 8.0181% | 5,514 |
| Core capital (leverage) ratio | 8.1622% | 5,444 |
| Tier 1 risk-based capital ratio | 11.5673% | 4,914 |
| Total risk-based capital ratio | 12.8246% | 4,796 |
| Memoranda: | ||
| Average total assets | $50,865,250 | 5,194 |
| Average earning assets | $48,154,500 | 5,161 |
| Average equity | $3,904,250 | 5,495 |
| Average total loans | $40,461,000 | 4,762 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6173% | 1,224 |
| Cost of funding earning assets | 0.4281% | 2,821 |
| Net interest margin | 4.1892% | 1,097 |
| Noninterest income to average assets | 0.3814% | 3,821 |
| Noninterest expense to average assets | 3.2320% | 1,513 |
| Loan and lease loss provision to assets | 0.0983% | 2,047 |
| Net operating income to assets | 0.6605% | 4,026 |
| Return on assets (ROA) | 0.6605% | 4,084 |
| Pretax return on assets | 1.0144% | 3,506 |
| Return on Equity (ROE) | 8.7356% | 2,642 |
| Retained earnings to average equity (ytd only) | 8.7356% | 925 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3891% | 1,942 |
| Assets per employee ($millions) | 3.5947% | 4,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6562% | 1,143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 77.9895% | 1,250 |
| Net loans and leases to deposits | 85.7602% | 2,249 |
| Net loans and leases to core deposits | 97.3969% | 1,860 |
| Total domestic deposits to total assets | 90.9391% | 236 |
| Equity capital to assets | 7.9839% | 5,543 |
| Core capital (leverage) ratio | 7.8338% | 5,580 |
| Tier 1 risk-based capital ratio | 11.7573% | 4,794 |
| Total risk-based capital ratio | 13.0142% | 4,681 |
| Memoranda: | ||
| Average total assets | $50,867,000 | 5,234 |
| Average earning assets | $48,123,670 | 5,195 |
| Average equity | $3,846,330 | 5,547 |
| Average total loans | $40,094,330 | 4,804 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5247% | 1,318 |
| Cost of funding earning assets | 0.4128% | 2,877 |
| Net interest margin | 4.1119% | 1,188 |
| Noninterest income to average assets | 0.3911% | 3,731 |
| Noninterest expense to average assets | 3.2462% | 1,488 |
| Loan and lease loss provision to assets | 0.0782% | 2,249 |
| Net operating income to assets | 0.6179% | 4,076 |
| Return on assets (ROA) | 0.6179% | 4,131 |
| Pretax return on assets | 0.9621% | 3,535 |
| Return on Equity (ROE) | 8.4031% | 2,715 |
| Retained earnings to average equity (ytd only) | 8.4031% | 1,309 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7299% | 1,952 |
| Assets per employee ($millions) | 3.7095% | 4,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6023% | 1,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 76.2713% | 1,369 |
| Net loans and leases to deposits | 82.6586% | 2,440 |
| Net loans and leases to core deposits | 92.7852% | 2,089 |
| Total domestic deposits to total assets | 92.2727% | 80 |
| Equity capital to assets | 7.4712% | 5,687 |
| Core capital (leverage) ratio | 7.6755% | 5,669 |
| Tier 1 risk-based capital ratio | 11.2636% | 5,159 |
| Total risk-based capital ratio | 12.5183% | 5,063 |
| Memoranda: | ||
| Average total assets | $51,137,500 | 5,289 |
| Average earning assets | $48,445,000 | 5,240 |
| Average equity | $3,760,500 | 5,614 |
| Average total loans | $40,186,500 | 4,843 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6150% | 1,245 |
| Cost of funding earning assets | 0.4252% | 2,757 |
| Net interest margin | 4.1898% | 1,151 |
| Noninterest income to average assets | 0.3702% | 4,099 |
| Noninterest expense to average assets | 3.4874% | 1,187 |
| Loan and lease loss provision to assets | 0.3840% | 419 |
| Net operating income to assets | 0.3159% | 5,179 |
| Return on assets (ROA) | 0.3308% | 5,216 |
| Pretax return on assets | 0.4785% | 5,070 |
| Return on Equity (ROE) | 4.5113% | 4,651 |
| Retained earnings to average equity (ytd only) | 2.2019% | 4,278 |
| Net charge-offs to loans | -0.0102% | 4,939 |
| Credit loss provision to net charge-offs | -4,875.0000% | 5,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5732% | 1,351 |
| Assets per employee ($millions) | 3.5959% | 4,615 |
| Cash dividends to net income (ytd only)* | 51.1905% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5828% | 1,415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 78.4295% | 1,138 |
| Net loans and leases to deposits | 85.9634% | 2,176 |
| Net loans and leases to core deposits | 98.3191% | 1,748 |
| Total domestic deposits to total assets | 91.2359% | 218 |
| Equity capital to assets | 7.2325% | 5,769 |
| Core capital (leverage) ratio | 7.3011% | 5,775 |
| Tier 1 risk-based capital ratio | 10.6491% | 5,506 |
| Total risk-based capital ratio | 11.9045% | 5,425 |
| Memoranda: | ||
| Average total assets | $50,782,600 | 5,329 |
| Average earning assets | $47,973,800 | 5,288 |
| Average equity | $3,724,000 | 5,672 |
| Average total loans | $39,059,800 | 4,907 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5703% | 1,357 |
| Cost of funding earning assets | 0.4188% | 2,850 |
| Net interest margin | 4.1515% | 1,248 |
| Noninterest income to average assets | 0.3746% | 4,100 |
| Noninterest expense to average assets | 3.4136% | 1,318 |
| Loan and lease loss provision to assets | 0.2882% | 600 |
| Net operating income to assets | 0.3972% | 5,025 |
| Return on assets (ROA) | 0.4165% | 5,060 |
| Pretax return on assets | 0.6235% | 4,814 |
| Return on Equity (ROE) | 5.6610% | 4,235 |
| Retained earnings to average equity (ytd only) | 3.2755% | 3,940 |
| Net charge-offs to loans | -0.0103% | 4,777 |
| Credit loss provision to net charge-offs | -3,666.6667% | 5,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4512% | 1,504 |
| Assets per employee ($millions) | 3.6142% | 4,624 |
| Cash dividends to net income (ytd only)* | 42.1388% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 2,176 |
| Loan loss allowance to noncurrent loans | 694.9367% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 4,811 |
| Noncurrent loans to loans | 0.2022% | 4,549 |
| Net loans and leases to total assets | 76.1181% | 1,505 |
| Net loans and leases to deposits | 85.3669% | 2,329 |
| Net loans and leases to core deposits | 96.6524% | 1,924 |
| Total domestic deposits to total assets | 89.1658% | 816 |
| Equity capital to assets | 7.5199% | 5,840 |
| Core capital (leverage) ratio | 7.3996% | 5,842 |
| Tier 1 risk-based capital ratio | 10.8658% | 5,443 |
| Total risk-based capital ratio | 12.1196% | 5,353 |
| Memoranda: | ||
| Average total assets | $50,892,750 | 5,377 |
| Average earning assets | $48,077,500 | 5,338 |
| Average equity | $3,744,750 | 5,735 |
| Average total loans | $38,795,250 | 4,962 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5443% | 1,397 |
| Cost of funding earning assets | 0.4071% | 2,965 |
| Net interest margin | 4.1372% | 1,272 |
| Noninterest income to average assets | 0.3648% | 4,149 |
| Noninterest expense to average assets | 3.3575% | 1,464 |
| Loan and lease loss provision to assets | 0.2157% | 973 |
| Net operating income to assets | 0.4470% | 4,880 |
| Return on assets (ROA) | 0.4746% | 4,880 |
| Pretax return on assets | 0.7413% | 4,489 |
| Return on Equity (ROE) | 6.4972% | 3,804 |
| Retained earnings to average equity (ytd only) | 4.1883% | 3,239 |
| Net charge-offs to loans | -0.0103% | 4,705 |
| Credit loss provision to net charge-offs | -2,750.0000% | 5,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6042% | 1,701 |
| Assets per employee ($millions) | 3.3535% | 4,992 |
| Cash dividends to net income (ytd only)* | 35.5372% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 2,961 |
| Loan loss allowance to noncurrent loans | 593.9759% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 4,848 |
| Noncurrent loans to loans | 0.2137% | 4,586 |
| Net loans and leases to total assets | 76.2479% | 1,454 |
| Net loans and leases to deposits | 84.2671% | 2,433 |
| Net loans and leases to core deposits | 95.3322% | 2,035 |
| Total domestic deposits to total assets | 90.4837% | 320 |
| Equity capital to assets | 7.5304% | 5,909 |
| Core capital (leverage) ratio | 7.3772% | 5,901 |
| Tier 1 risk-based capital ratio | 10.7974% | 5,527 |
| Total risk-based capital ratio | 12.0481% | 5,451 |
| Memoranda: | ||
| Average total assets | $50,990,670 | 5,439 |
| Average earning assets | $48,148,330 | 5,393 |
| Average equity | $3,724,670 | 5,804 |
| Average total loans | $38,705,670 | 5,019 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5454% | 1,383 |
| Cost of funding earning assets | 0.4140% | 2,910 |
| Net interest margin | 4.1314% | 1,256 |
| Noninterest income to average assets | 0.4130% | 3,727 |
| Noninterest expense to average assets | 3.4363% | 1,305 |
| Loan and lease loss provision to assets | 0.1403% | 1,500 |
| Net operating income to assets | 0.4753% | 4,725 |
| Return on assets (ROA) | 0.4753% | 4,822 |
| Pretax return on assets | 0.7247% | 4,436 |
| Return on Equity (ROE) | 6.6071% | 3,668 |
| Retained earnings to average equity (ytd only) | 4.0076% | 3,483 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8913% | 1,620 |
| Assets per employee ($millions) | 3.3994% | 4,976 |
| Cash dividends to net income (ytd only)* | 39.3443% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 3,655 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 5,299 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 75.3054% | 1,502 |
| Net loans and leases to deposits | 82.9173% | 2,439 |
| Net loans and leases to core deposits | 93.6424% | 2,031 |
| Total domestic deposits to total assets | 90.8199% | 324 |
| Equity capital to assets | 7.3307% | 5,976 |
| Core capital (leverage) ratio | 7.2172% | 5,972 |
| Tier 1 risk-based capital ratio | 10.6522% | 5,683 |
| Total risk-based capital ratio | 11.9026% | 5,595 |
| Memoranda: | ||
| Average total assets | $51,334,500 | 5,482 |
| Average earning assets | $48,312,500 | 5,441 |
| Average equity | $3,693,000 | 5,858 |
| Average total loans | $38,634,500 | 5,062 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3843% | 1,954 |
| Cost of funding earning assets | 0.3847% | 3,322 |
| Net interest margin | 3.9996% | 1,718 |
| Noninterest income to average assets | 0.3517% | 4,390 |
| Noninterest expense to average assets | 3.4190% | 1,450 |
| Loan and lease loss provision to assets | 0.1758% | 1,291 |
| Net operating income to assets | 0.3537% | 5,203 |
| Return on assets (ROA) | 0.3537% | 5,290 |
| Pretax return on assets | 0.5375% | 5,024 |
| Return on Equity (ROE) | 4.8554% | 4,578 |
| Retained earnings to average equity (ytd only) | 2.1123% | 4,520 |
| Net charge-offs to loans | 0.0307% | 3,606 |
| Credit loss provision to net charge-offs | 800.0000% | 425 |
| Earnings coverage of net charge-offs (x) | 32.4545% | 1,374 |
| Efficiency ratio | 82.7369% | 1,304 |
| Assets per employee ($millions) | 3.4452% | 4,912 |
| Cash dividends to net income (ytd only)* | 56.4972% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 3,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 5,350 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 73.4897% | 1,808 |
| Net loans and leases to deposits | 84.0054% | 2,359 |
| Net loans and leases to core deposits | 92.9603% | 2,137 |
| Total domestic deposits to total assets | 87.4821% | 1,892 |
| Equity capital to assets | 7.0591% | 6,049 |
| Core capital (leverage) ratio | 7.2000% | 6,026 |
| Tier 1 risk-based capital ratio | 10.5912% | 5,737 |
| Total risk-based capital ratio | 11.8388% | 5,659 |
| Memoranda: | ||
| Average total assets | $50,044,200 | 5,539 |
| Average earning assets | $47,304,800 | 5,499 |
| Average equity | $3,645,400 | 5,910 |
| Average total loans | $35,867,800 | 5,159 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3490% | 2,081 |
| Cost of funding earning assets | 0.3799% | 3,439 |
| Net interest margin | 3.9691% | 1,809 |
| Noninterest income to average assets | 0.3626% | 4,334 |
| Noninterest expense to average assets | 3.2718% | 1,776 |
| Loan and lease loss provision to assets | 0.2095% | 938 |
| Net operating income to assets | 0.4137% | 5,113 |
| Return on assets (ROA) | 0.4137% | 5,198 |
| Pretax return on assets | 0.6420% | 4,856 |
| Return on Equity (ROE) | 5.6336% | 4,343 |
| Retained earnings to average equity (ytd only) | 2.9997% | 4,308 |
| Net charge-offs to loans | 0.0681% | 2,590 |
| Credit loss provision to net charge-offs | 433.3333% | 714 |
| Earnings coverage of net charge-offs (x) | 17.6108% | 2,047 |
| Efficiency ratio | 79.3485% | 1,749 |
| Assets per employee ($millions) | 3.5960% | 4,617 |
| Cash dividends to net income (ytd only)* | 46.7540% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1409% | 3,996 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 72.1158% | 2,046 |
| Net loans and leases to deposits | 81.2415% | 2,732 |
| Net loans and leases to core deposits | 91.3818% | 2,326 |
| Total domestic deposits to total assets | 88.7673% | 1,145 |
| Equity capital to assets | 7.3594% | 6,096 |
| Core capital (leverage) ratio | 7.3106% | 6,090 |
| Tier 1 risk-based capital ratio | 11.2513% | 5,520 |
| Total risk-based capital ratio | 12.5004% | 5,419 |
| Memoranda: | ||
| Average total assets | $49,635,750 | 5,615 |
| Average earning assets | $47,029,000 | 5,567 |
| Average equity | $3,644,750 | 5,987 |
| Average total loans | $35,231,000 | 5,240 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3214% | 2,107 |
| Cost of funding earning assets | 0.3800% | 3,490 |
| Net interest margin | 3.9413% | 1,852 |
| Noninterest income to average assets | 0.3603% | 4,366 |
| Noninterest expense to average assets | 3.2996% | 1,711 |
| Loan and lease loss provision to assets | 0.2753% | 597 |
| Net operating income to assets | 0.3401% | 5,324 |
| Return on assets (ROA) | 0.3401% | 5,433 |
| Pretax return on assets | 0.5223% | 5,169 |
| Return on Equity (ROE) | 4.6349% | 4,779 |
| Retained earnings to average equity (ytd only) | 1.9864% | 4,704 |
| Net charge-offs to loans | 0.0173% | 3,361 |
| Credit loss provision to net charge-offs | 2,266.6667% | 177 |
| Earnings coverage of net charge-offs (x) | 65.6667% | 799 |
| Efficiency ratio | 80.5336% | 1,689 |
| Assets per employee ($millions) | 3.5689% | 4,681 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 3,884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 70.7970% | 2,193 |
| Net loans and leases to deposits | 79.0882% | 2,897 |
| Net loans and leases to core deposits | 89.1052% | 2,439 |
| Total domestic deposits to total assets | 89.5165% | 892 |
| Equity capital to assets | 7.2212% | 6,161 |
| Core capital (leverage) ratio | 7.2607% | 6,144 |
| Tier 1 risk-based capital ratio | 11.1878% | 5,622 |
| Total risk-based capital ratio | 12.4375% | 5,549 |
| Memoranda: | ||
| Average total assets | $49,399,670 | 5,683 |
| Average earning assets | $46,837,000 | 5,637 |
| Average equity | $3,624,670 | 6,050 |
| Average total loans | $34,733,000 | 5,301 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3154% | 2,045 |
| Cost of funding earning assets | 0.3775% | 3,561 |
| Net interest margin | 3.9379% | 1,759 |
| Noninterest income to average assets | 0.3013% | 4,764 |
| Noninterest expense to average assets | 3.1761% | 2,046 |
| Loan and lease loss provision to assets | 0.1384% | 1,486 |
| Net operating income to assets | 0.4723% | 4,790 |
| Return on assets (ROA) | 0.4723% | 4,909 |
| Pretax return on assets | 0.7248% | 4,524 |
| Return on Equity (ROE) | 6.3859% | 3,837 |
| Retained earnings to average equity (ytd only) | 3.7435% | 3,762 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6290% | 2,098 |
| Assets per employee ($millions) | 3.4926% | 4,909 |
| Cash dividends to net income (ytd only)* | 41.3793% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 4,520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 69.0922% | 2,269 |
| Net loans and leases to deposits | 74.8261% | 3,178 |
| Net loans and leases to core deposits | 83.5576% | 2,820 |
| Total domestic deposits to total assets | 92.3370% | 113 |
| Equity capital to assets | 7.4994% | 6,179 |
| Core capital (leverage) ratio | 7.3140% | 6,197 |
| Tier 1 risk-based capital ratio | 11.8002% | 5,371 |
| Total risk-based capital ratio | 13.0326% | 5,282 |
| Memoranda: | ||
| Average total assets | $49,117,500 | 5,741 |
| Average earning assets | $46,624,000 | 5,690 |
| Average equity | $3,633,000 | 6,110 |
| Average total loans | $34,201,000 | 5,364 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2118% | 2,914 |
| Cost of funding earning assets | 0.3839% | 3,862 |
| Net interest margin | 3.8279% | 2,519 |
| Noninterest income to average assets | 0.3705% | 4,423 |
| Noninterest expense to average assets | 3.2888% | 1,959 |
| Loan and lease loss provision to assets | 0.1200% | 2,175 |
| Net operating income to assets | 0.3610% | 5,350 |
| Return on assets (ROA) | 0.3663% | 5,405 |
| Pretax return on assets | 0.5609% | 5,069 |
| Return on Equity (ROE) | 5.1251% | 4,597 |
| Retained earnings to average equity (ytd only) | 4.0827% | 3,302 |
| Net charge-offs to loans | 0.0324% | 4,183 |
| Credit loss provision to net charge-offs | 580.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 32.5000% | 1,258 |
| Efficiency ratio | 83.0199% | 1,517 |
| Assets per employee ($millions) | 3.5241% | 4,861 |
| Cash dividends to net income (ytd only)* | 20.3390% | 3,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 4,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 68.6753% | 2,463 |
| Net loans and leases to deposits | 76.0834% | 3,186 |
| Net loans and leases to core deposits | 82.9490% | 2,998 |
| Total domestic deposits to total assets | 90.2631% | 623 |
| Equity capital to assets | 7.2946% | 6,281 |
| Core capital (leverage) ratio | 7.2293% | 6,266 |
| Tier 1 risk-based capital ratio | 11.5843% | 5,618 |
| Total risk-based capital ratio | 12.7505% | 5,580 |
| Memoranda: | ||
| Average total assets | $48,315,000 | 5,826 |
| Average earning assets | $45,325,000 | 5,790 |
| Average equity | $3,453,600 | 6,189 |
| Average total loans | $30,854,200 | 5,534 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1550% | 3,153 |
| Cost of funding earning assets | 0.3826% | 3,987 |
| Net interest margin | 3.7724% | 2,725 |
| Noninterest income to average assets | 0.3662% | 4,494 |
| Noninterest expense to average assets | 3.0850% | 2,511 |
| Loan and lease loss provision to assets | 0.1248% | 2,001 |
| Net operating income to assets | 0.4368% | 5,121 |
| Return on assets (ROA) | 0.4439% | 5,175 |
| Pretax return on assets | 0.6963% | 4,712 |
| Return on Equity (ROE) | 6.2427% | 4,109 |
| Retained earnings to average equity (ytd only) | 4.8381% | 3,192 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2023% | 2,024 |
| Assets per employee ($millions) | 3.7797% | 4,331 |
| Cash dividends to net income (ytd only)* | 22.5004% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 4,972 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 67.8423% | 2,563 |
| Net loans and leases to deposits | 73.6132% | 3,482 |
| Net loans and leases to core deposits | 79.6326% | 3,358 |
| Total domestic deposits to total assets | 92.1605% | 136 |
| Equity capital to assets | 7.1597% | 6,360 |
| Core capital (leverage) ratio | 7.2632% | 6,337 |
| Tier 1 risk-based capital ratio | 11.8383% | 5,592 |
| Total risk-based capital ratio | 13.0224% | 5,550 |
| Memoranda: | ||
| Average total assets | $48,059,250 | 5,901 |
| Average earning assets | $44,956,750 | 5,867 |
| Average equity | $3,417,250 | 6,264 |
| Average total loans | $30,007,250 | 5,617 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1020% | 3,333 |
| Cost of funding earning assets | 0.3922% | 3,960 |
| Net interest margin | 3.7098% | 2,920 |
| Noninterest income to average assets | 0.3606% | 4,536 |
| Noninterest expense to average assets | 3.0943% | 2,522 |
| Loan and lease loss provision to assets | 0.0839% | 2,625 |
| Net operating income to assets | 0.4084% | 5,189 |
| Return on assets (ROA) | 0.4193% | 5,222 |
| Pretax return on assets | 0.6499% | 4,788 |
| Return on Equity (ROE) | 5.9107% | 4,204 |
| Retained earnings to average equity (ytd only) | 4.4331% | 3,353 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1881% | 1,853 |
| Assets per employee ($millions) | 3.6740% | 4,499 |
| Cash dividends to net income (ytd only)* | 25.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 5,046 |
| Loan loss allowance to noncurrent loans | 1,504.5455% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 6,058 |
| Noncurrent loans to loans | 0.0708% | 5,810 |
| Net loans and leases to total assets | 64.3943% | 3,013 |
| Net loans and leases to deposits | 70.8517% | 3,715 |
| Net loans and leases to core deposits | 75.5899% | 3,663 |
| Total domestic deposits to total assets | 90.8861% | 446 |
| Equity capital to assets | 7.2694% | 6,399 |
| Core capital (leverage) ratio | 7.3043% | 6,373 |
| Tier 1 risk-based capital ratio | 12.4374% | 5,273 |
| Total risk-based capital ratio | 13.6136% | 5,243 |
| Memoranda: | ||
| Average total assets | $47,700,330 | 5,960 |
| Average earning assets | $44,369,000 | 5,939 |
| Average equity | $3,383,670 | 6,317 |
| Average total loans | $28,779,670 | 5,709 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0256% | 3,585 |
| Cost of funding earning assets | 0.3989% | 3,979 |
| Net interest margin | 3.6267% | 3,152 |
| Noninterest income to average assets | 0.3692% | 4,433 |
| Noninterest expense to average assets | 2.9705% | 2,979 |
| Loan and lease loss provision to assets | 0.0671% | 2,785 |
| Net operating income to assets | 0.4867% | 4,753 |
| Return on assets (ROA) | 0.4867% | 4,828 |
| Pretax return on assets | 0.6881% | 4,526 |
| Return on Equity (ROE) | 6.9471% | 3,504 |
| Retained earnings to average equity (ytd only) | 5.5098% | 2,781 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7297% | 2,246 |
| Assets per employee ($millions) | 4.1393% | 3,644 |
| Cash dividends to net income (ytd only)* | 20.6897% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 4,911 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 55.5967% | 4,195 |
| Net loans and leases to deposits | 59.7413% | 4,791 |
| Net loans and leases to core deposits | 63.8358% | 4,702 |
| Total domestic deposits to total assets | 93.0625% | 109 |
| Equity capital to assets | 6.8187% | 6,483 |
| Core capital (leverage) ratio | 7.2985% | 6,403 |
| Tier 1 risk-based capital ratio | 13.1273% | 4,937 |
| Total risk-based capital ratio | 14.3338% | 4,893 |
| Memoranda: | ||
| Average total assets | $47,669,500 | 6,014 |
| Average earning assets | $44,117,500 | 6,001 |
| Average equity | $3,339,500 | 6,382 |
| Average total loans | $27,626,000 | 5,822 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7492% | 4,977 |
| Cost of funding earning assets | 0.4427% | 4,186 |
| Net interest margin | 3.3065% | 4,640 |
| Noninterest income to average assets | 0.3220% | 5,032 |
| Noninterest expense to average assets | 3.1475% | 2,601 |
| Loan and lease loss provision to assets | 0.0394% | 4,332 |
| Net operating income to assets | 0.1818% | 5,874 |
| Return on assets (ROA) | 0.2081% | 5,869 |
| Pretax return on assets | 0.2782% | 5,784 |
| Return on Equity (ROE) | 2.7752% | 5,590 |
| Retained earnings to average equity (ytd only) | 2.4246% | 4,524 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7625% | 889 |
| Assets per employee ($millions) | 3.8056% | 4,249 |
| Cash dividends to net income (ytd only)* | 12.6316% | 3,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1348% | 4,971 |
| Loan loss allowance to noncurrent loans | 7,750.0000% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 6,402 |
| Noncurrent loans to loans | 0.0146% | 6,233 |
| Net loans and leases to total assets | 59.1390% | 3,853 |
| Net loans and leases to deposits | 63.8373% | 4,521 |
| Net loans and leases to core deposits | 69.5304% | 4,336 |
| Total domestic deposits to total assets | 92.6402% | 171 |
| Equity capital to assets | 7.2087% | 6,398 |
| Core capital (leverage) ratio | 7.4105% | 6,408 |
| Tier 1 risk-based capital ratio | 13.1448% | 4,890 |
| Total risk-based capital ratio | 14.3345% | 4,874 |
| Memoranda: | ||
| Average total assets | $45,656,000 | 6,130 |
| Average earning assets | $42,915,400 | 6,083 |
| Average equity | $3,423,200 | 6,448 |
| Average total loans | $23,680,000 | 6,048 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6415% | 5,327 |
| Cost of funding earning assets | 0.4540% | 4,236 |
| Net interest margin | 3.1875% | 5,035 |
| Noninterest income to average assets | 0.3300% | 5,049 |
| Noninterest expense to average assets | 3.0227% | 2,912 |
| Loan and lease loss provision to assets | 0.0350% | 4,315 |
| Net operating income to assets | 0.1993% | 5,914 |
| Return on assets (ROA) | 0.2278% | 5,925 |
| Pretax return on assets | 0.3037% | 5,865 |
| Return on Equity (ROE) | 3.0093% | 5,601 |
| Retained earnings to average equity (ytd only) | 3.0093% | 4,520 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9490% | 924 |
| Assets per employee ($millions) | 3.8493% | 4,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 4,624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 51.8499% | 4,888 |
| Net loans and leases to deposits | 56.9411% | 5,287 |
| Net loans and leases to core deposits | 62.4560% | 5,065 |
| Total domestic deposits to total assets | 91.0589% | 508 |
| Equity capital to assets | 7.2092% | 6,490 |
| Core capital (leverage) ratio | 7.5493% | 6,430 |
| Tier 1 risk-based capital ratio | 14.0302% | 4,402 |
| Total risk-based capital ratio | 15.2773% | 4,363 |
| Memoranda: | ||
| Average total assets | $45,653,250 | 6,202 |
| Average earning assets | $42,875,250 | 6,152 |
| Average equity | $3,456,000 | 6,518 |
| Average total loans | $22,770,750 | 6,151 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5731% | 5,518 |
| Cost of funding earning assets | 0.4565% | 4,355 |
| Net interest margin | 3.1166% | 5,228 |
| Noninterest income to average assets | 0.3167% | 5,169 |
| Noninterest expense to average assets | 3.0083% | 2,975 |
| Loan and lease loss provision to assets | 0.0396% | 4,159 |
| Net operating income to assets | 0.1627% | 5,996 |
| Return on assets (ROA) | 0.2067% | 6,004 |
| Pretax return on assets | 0.2683% | 5,959 |
| Return on Equity (ROE) | 2.6872% | 5,724 |
| Retained earnings to average equity (ytd only) | 2.6872% | 4,600 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3077% | 875 |
| Assets per employee ($millions) | 3.8729% | 4,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 4,740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 51.2534% | 4,961 |
| Net loans and leases to deposits | 55.2809% | 5,408 |
| Net loans and leases to core deposits | 60.4922% | 5,223 |
| Total domestic deposits to total assets | 92.7144% | 154 |
| Equity capital to assets | 7.2405% | 6,530 |
| Core capital (leverage) ratio | 7.3106% | 6,527 |
| Tier 1 risk-based capital ratio | 13.8057% | 4,559 |
| Total risk-based capital ratio | 15.0316% | 4,549 |
| Memoranda: | ||
| Average total assets | $45,474,000 | 6,248 |
| Average earning assets | $42,931,330 | 6,193 |
| Average equity | $3,498,000 | 6,562 |
| Average total loans | $22,276,330 | 6,206 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5279% | 5,640 |
| Cost of funding earning assets | 0.4716% | 4,353 |
| Net interest margin | 3.0563% | 5,408 |
| Noninterest income to average assets | 0.3469% | 4,910 |
| Noninterest expense to average assets | 2.8906% | 3,381 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2736% | 5,652 |
| Return on assets (ROA) | 0.3024% | 5,684 |
| Pretax return on assets | 0.3736% | 5,635 |
| Return on Equity (ROE) | 3.8154% | 5,184 |
| Retained earnings to average equity (ytd only) | 3.8154% | 3,943 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5317% | 1,186 |
| Assets per employee ($millions) | 3.8188% | 4,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2938% | 4,735 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 48.6143% | 5,163 |
| Net loans and leases to deposits | 52.8842% | 5,535 |
| Net loans and leases to core deposits | 57.2464% | 5,412 |
| Total domestic deposits to total assets | 91.9260% | 261 |
| Equity capital to assets | 7.7816% | 6,481 |
| Core capital (leverage) ratio | 7.4439% | 6,489 |
| Tier 1 risk-based capital ratio | 14.1244% | 4,410 |
| Total risk-based capital ratio | 15.3457% | 4,393 |
| Memoranda: | ||
| Average total assets | $44,973,500 | 6,316 |
| Average earning assets | $42,404,500 | 6,265 |
| Average equity | $3,564,500 | 6,615 |
| Average total loans | $21,354,000 | 6,296 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4186% | 6,461 |
| Cost of funding earning assets | 0.5594% | 4,731 |
| Net interest margin | 2.8591% | 6,298 |
| Noninterest income to average assets | 0.3149% | 5,201 |
| Noninterest expense to average assets | 3.0747% | 3,000 |
| Loan and lease loss provision to assets | 0.0347% | 5,453 |
| Net operating income to assets | -0.0799% | 6,267 |
| Return on assets (ROA) | 0.1528% | 6,047 |
| Pretax return on assets | 0.2269% | 5,952 |
| Return on Equity (ROE) | 1.8553% | 5,942 |
| Retained earnings to average equity (ytd only) | 1.8553% | 4,912 |
| Net charge-offs to loans | 0.0239% | 5,568 |
| Credit loss provision to net charge-offs | 375.0000% | 649 |
| Earnings coverage of net charge-offs (x) | -9.2500% | 5,940 |
| Efficiency ratio | 102.8660% | 469 |
| Assets per employee ($millions) | 3.6768% | 4,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 3,944 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 44.9808% | 5,731 |
| Net loans and leases to deposits | 49.1104% | 6,022 |
| Net loans and leases to core deposits | 52.2910% | 5,997 |
| Total domestic deposits to total assets | 91.5913% | 319 |
| Equity capital to assets | 8.0755% | 6,367 |
| Core capital (leverage) ratio | 7.5379% | 6,482 |
| Tier 1 risk-based capital ratio | 15.0908% | 3,673 |
| Total risk-based capital ratio | 16.3416% | 3,619 |
| Memoranda: | ||
| Average total assets | $43,191,600 | 6,391 |
| Average earning assets | $40,397,000 | 6,352 |
| Average equity | $3,557,400 | 6,676 |
| Average total loans | $16,752,400 | 6,562 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4147% | 6,614 |
| Cost of funding earning assets | 0.5780% | 4,854 |
| Net interest margin | 2.8367% | 6,451 |
| Noninterest income to average assets | 0.3041% | 5,350 |
| Noninterest expense to average assets | 3.0385% | 3,102 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.0708% | 6,372 |
| Return on assets (ROA) | 0.1117% | 6,243 |
| Pretax return on assets | 0.1335% | 6,226 |
| Return on Equity (ROE) | 1.3498% | 6,183 |
| Retained earnings to average equity (ytd only) | 1.3498% | 5,634 |
| Net charge-offs to loans | 0.0419% | 5,065 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -5.3973% | 5,716 |
| Efficiency ratio | 102.8361% | 453 |
| Assets per employee ($millions) | 3.6633% | 4,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5383% | 3,780 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 40.1874% | 6,267 |
| Net loans and leases to deposits | 44.0834% | 6,496 |
| Net loans and leases to core deposits | 46.0796% | 6,513 |
| Total domestic deposits to total assets | 91.1622% | 369 |
| Equity capital to assets | 8.3487% | 6,386 |
| Core capital (leverage) ratio | 7.5035% | 6,622 |
| Tier 1 risk-based capital ratio | 16.1217% | 3,210 |
| Total risk-based capital ratio | 17.3723% | 3,181 |
| Memoranda: | ||
| Average total assets | $42,959,250 | 6,471 |
| Average earning assets | $40,139,500 | 6,430 |
| Average equity | $3,556,000 | 6,755 |
| Average total loans | $15,906,000 | 6,688 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3947% | 6,730 |
| Cost of funding earning assets | 0.6003% | 4,902 |
| Net interest margin | 2.7945% | 6,590 |
| Noninterest income to average assets | 0.3378% | 5,127 |
| Noninterest expense to average assets | 3.1108% | 2,894 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.1478% | 6,486 |
| Return on assets (ROA) | 0.1314% | 6,254 |
| Pretax return on assets | 0.1548% | 6,218 |
| Return on Equity (ROE) | 1.5918% | 6,168 |
| Retained earnings to average equity (ytd only) | 1.5918% | 5,410 |
| Net charge-offs to loans | 0.0657% | 4,513 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -7.4000% | 5,457 |
| Efficiency ratio | 105.9105% | 399 |
| Assets per employee ($millions) | 3.5628% | 4,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7259% | 3,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 36.7600% | 6,566 |
| Net loans and leases to deposits | 40.2438% | 6,727 |
| Net loans and leases to core deposits | 42.5712% | 6,709 |
| Total domestic deposits to total assets | 91.3433% | 346 |
| Equity capital to assets | 8.3269% | 6,354 |
| Core capital (leverage) ratio | 8.1213% | 6,137 |
| Tier 1 risk-based capital ratio | 16.8777% | 2,728 |
| Total risk-based capital ratio | 18.1284% | 2,685 |
| Memoranda: | ||
| Average total assets | $42,626,000 | 6,525 |
| Average earning assets | $39,650,000 | 6,487 |
| Average equity | $3,518,000 | 6,805 |
| Average total loans | $15,227,330 | 6,786 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3901% | 6,820 |
| Cost of funding earning assets | 0.6356% | 4,850 |
| Net interest margin | 2.7545% | 6,709 |
| Noninterest income to average assets | 0.3571% | 5,015 |
| Noninterest expense to average assets | 3.0167% | 3,183 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1504% | 6,583 |
| Return on assets (ROA) | -0.1504% | 6,648 |
| Pretax return on assets | -0.0940% | 6,597 |
| Return on Equity (ROE) | -1.8301% | 6,673 |
| Retained earnings to average equity (ytd only) | -1.8301% | 6,258 |
| Net charge-offs to loans | 0.1347% | 3,297 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 4,612 |
| Efficiency ratio | 103.2154% | 465 |
| Assets per employee ($millions) | 3.6733% | 4,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8978% | 2,683 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 32.3662% | 6,808 |
| Net loans and leases to deposits | 35.2759% | 6,913 |
| Net loans and leases to core deposits | 38.5501% | 6,865 |
| Total domestic deposits to total assets | 91.7514% | 317 |
| Equity capital to assets | 7.9401% | 6,559 |
| Core capital (leverage) ratio | 7.7854% | 6,425 |
| Tier 1 risk-based capital ratio | 17.7750% | 2,374 |
| Total risk-based capital ratio | 19.0178% | 2,353 |
| Memoranda: | ||
| Average total assets | $42,562,500 | 6,582 |
| Average earning assets | $39,644,500 | 6,540 |
| Average equity | $3,497,000 | 6,853 |
| Average total loans | $14,845,000 | 6,868 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7242% | 6,819 |
| Cost of funding earning assets | 0.7687% | 5,070 |
| Net interest margin | 2.9555% | 6,598 |
| Noninterest income to average assets | 0.3185% | 5,260 |
| Noninterest expense to average assets | 3.1238% | 3,119 |
| Loan and lease loss provision to assets | 0.0147% | 6,365 |
| Net operating income to assets | -0.0632% | 6,124 |
| Return on assets (ROA) | 0.0074% | 6,148 |
| Pretax return on assets | 0.0221% | 6,085 |
| Return on Equity (ROE) | 0.0872% | 6,139 |
| Retained earnings to average equity (ytd only) | 0.0872% | 5,791 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4096% | 605 |
| Assets per employee ($millions) | 3.4204% | 5,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8552% | 2,691 |
| Loan loss allowance to noncurrent loans | 1,080.7692% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0633% | 6,793 |
| Noncurrent loans to loans | 0.1717% | 6,406 |
| Net loans and leases to total assets | 36.2188% | 6,756 |
| Net loans and leases to deposits | 39.7136% | 6,897 |
| Net loans and leases to core deposits | 43.7235% | 6,822 |
| Total domestic deposits to total assets | 91.1999% | 429 |
| Equity capital to assets | 8.5126% | 6,138 |
| Core capital (leverage) ratio | 7.8814% | 6,374 |
| Tier 1 risk-based capital ratio | 17.8801% | 2,236 |
| Total risk-based capital ratio | 19.1355% | 2,203 |
| Memoranda: | ||
| Average total assets | $40,816,200 | 6,645 |
| Average earning assets | $37,726,600 | 6,616 |
| Average equity | $3,441,800 | 6,895 |
| Average total loans | $14,475,000 | 6,927 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7417% | 6,891 |
| Cost of funding earning assets | 0.7795% | 5,281 |
| Net interest margin | 2.9622% | 6,648 |
| Noninterest income to average assets | 0.3206% | 5,305 |
| Noninterest expense to average assets | 2.9964% | 3,566 |
| Loan and lease loss provision to assets | 0.0196% | 6,192 |
| Net operating income to assets | 0.0355% | 6,099 |
| Return on assets (ROA) | 0.1112% | 6,054 |
| Pretax return on assets | 0.1243% | 6,054 |
| Return on Equity (ROE) | 1.3221% | 5,992 |
| Retained earnings to average equity (ytd only) | 1.3221% | 5,478 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0728% | 735 |
| Assets per employee ($millions) | 4.6903% | 2,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0238% | 2,268 |
| Loan loss allowance to noncurrent loans | 1,080.7692% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0616% | 6,894 |
| Noncurrent loans to loans | 0.1873% | 6,494 |
| Net loans and leases to total assets | 32.2270% | 7,018 |
| Net loans and leases to deposits | 36.4123% | 7,069 |
| Net loans and leases to core deposits | 40.0955% | 7,039 |
| Total domestic deposits to total assets | 88.5059% | 1,756 |
| Equity capital to assets | 8.6466% | 6,147 |
| Core capital (leverage) ratio | 7.5947% | 6,699 |
| Tier 1 risk-based capital ratio | 18.1534% | 2,198 |
| Total risk-based capital ratio | 19.4090% | 2,163 |
| Memoranda: | ||
| Average total assets | $40,759,000 | 6,703 |
| Average earning assets | $37,628,500 | 6,675 |
| Average equity | $3,428,750 | 6,957 |
| Average total loans | $14,307,000 | 7,005 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7672% | 6,955 |
| Cost of funding earning assets | 0.7826% | 5,495 |
| Net interest margin | 2.9846% | 6,636 |
| Noninterest income to average assets | 0.3476% | 5,104 |
| Noninterest expense to average assets | 2.8554% | 4,210 |
| Loan and lease loss provision to assets | 0.0298% | 5,933 |
| Net operating income to assets | 0.1719% | 5,827 |
| Return on assets (ROA) | 0.2086% | 5,826 |
| Pretax return on assets | 0.2533% | 5,801 |
| Return on Equity (ROE) | 2.5037% | 5,607 |
| Retained earnings to average equity (ytd only) | 2.5037% | 4,695 |
| Net charge-offs to loans | -0.0277% | 6,899 |
| Credit loss provision to net charge-offs | -300.0000% | 6,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2953% | 1,079 |
| Assets per employee ($millions) | 5.0228% | 2,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0240% | 2,302 |
| Loan loss allowance to noncurrent loans | 832.3529% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 6,911 |
| Noncurrent loans to loans | 0.2432% | 6,434 |
| Net loans and leases to total assets | 30.3042% | 7,172 |
| Net loans and leases to deposits | 32.9058% | 7,252 |
| Net loans and leases to core deposits | 35.2594% | 7,233 |
| Total domestic deposits to total assets | 92.0938% | 218 |
| Equity capital to assets | 7.7071% | 6,852 |
| Core capital (leverage) ratio | 8.1809% | 6,063 |
| Tier 1 risk-based capital ratio | 18.2635% | 2,088 |
| Total risk-based capital ratio | 19.5196% | 2,041 |
| Memoranda: | ||
| Average total assets | $40,274,330 | 6,779 |
| Average earning assets | $37,056,330 | 6,762 |
| Average equity | $3,355,000 | 7,026 |
| Average total loans | $14,447,670 | 7,066 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8781% | 6,848 |
| Cost of funding earning assets | 0.8244% | 5,435 |
| Net interest margin | 3.0537% | 6,453 |
| Noninterest income to average assets | 0.4338% | 4,423 |
| Noninterest expense to average assets | 3.0786% | 3,343 |
| Loan and lease loss provision to assets | 0.0635% | 5,196 |
| Net operating income to assets | 0.0635% | 6,202 |
| Return on assets (ROA) | 0.0635% | 6,246 |
| Pretax return on assets | 0.0741% | 6,226 |
| Return on Equity (ROE) | 0.7294% | 6,205 |
| Retained earnings to average equity (ytd only) | 0.7294% | 5,532 |
| Net charge-offs to loans | -0.0272% | 6,677 |
| Credit loss provision to net charge-offs | -600.0000% | 5,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7237% | 934 |
| Assets per employee ($millions) | 4.2214% | 3,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9699% | 2,494 |
| Loan loss allowance to noncurrent loans | 2,176.9231% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0342% | 7,080 |
| Noncurrent loans to loans | 0.0905% | 6,822 |
| Net loans and leases to total assets | 37.0674% | 6,956 |
| Net loans and leases to deposits | 40.6283% | 7,071 |
| Net loans and leases to core deposits | 42.7587% | 7,083 |
| Total domestic deposits to total assets | 91.2352% | 517 |
| Equity capital to assets | 8.6805% | 5,680 |
| Core capital (leverage) ratio | 8.5736% | 5,307 |
| Tier 1 risk-based capital ratio | 17.9628% | 2,124 |
| Total risk-based capital ratio | 19.2114% | 2,095 |
| Memoranda: | ||
| Average total assets | $37,809,000 | 6,911 |
| Average earning assets | $34,450,000 | 6,903 |
| Average equity | $3,290,500 | 7,083 |
| Average total loans | $14,680,500 | 7,108 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3700% | 6,673 |
| Cost of funding earning assets | 1.0535% | 5,410 |
| Net interest margin | 3.3165% | 5,927 |
| Noninterest income to average assets | 0.3816% | 5,046 |
| Noninterest expense to average assets | 3.0990% | 3,459 |
| Loan and lease loss provision to assets | 0.1573% | 5,635 |
| Net operating income to assets | 0.3350% | 4,808 |
| Return on assets (ROA) | 0.3350% | 4,968 |
| Pretax return on assets | 0.0961% | 5,705 |
| Return on Equity (ROE) | 3.4032% | 4,792 |
| Retained earnings to average equity (ytd only) | 1.1541% | 4,969 |
| Net charge-offs to loans | 0.6250% | 3,154 |
| Credit loss provision to net charge-offs | 57.4468% | 6,125 |
| Earnings coverage of net charge-offs (x) | 0.9255% | 5,184 |
| Efficiency ratio | 92.4414% | 1,151 |
| Assets per employee ($millions) | 4.7031% | 2,554 |
| Cash dividends to net income (ytd only)* | 66.0870% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8339% | 2,743 |
| Loan loss allowance to noncurrent loans | 1,018.5185% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 7,052 |
| Noncurrent loans to loans | 0.1801% | 6,707 |
| Net loans and leases to total assets | 39.1229% | 7,017 |
| Net loans and leases to deposits | 42.9079% | 7,152 |
| Net loans and leases to core deposits | 44.8357% | 7,174 |
| Total domestic deposits to total assets | 91.1787% | 518 |
| Equity capital to assets | 8.7256% | 5,547 |
| Core capital (leverage) ratio | 8.4123% | 5,514 |
| Tier 1 risk-based capital ratio | 18.6545% | 1,798 |
| Total risk-based capital ratio | 19.9045% | 1,774 |
| Memoranda: | ||
| Average total assets | $34,333,200 | 7,062 |
| Average earning assets | $30,755,200 | 7,061 |
| Average equity | $3,379,200 | 7,168 |
| Average total loans | $15,041,000 | 7,164 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5222% | 6,552 |
| Cost of funding earning assets | 1.1139% | 5,356 |
| Net interest margin | 3.4084% | 5,641 |
| Noninterest income to average assets | 0.4138% | 4,844 |
| Noninterest expense to average assets | 2.9920% | 3,774 |
| Loan and lease loss provision to assets | 0.1950% | 5,089 |
| Net operating income to assets | 0.4417% | 4,583 |
| Return on assets (ROA) | 0.4417% | 4,764 |
| Pretax return on assets | 0.2706% | 5,568 |
| Return on Equity (ROE) | 4.3488% | 4,615 |
| Retained earnings to average equity (ytd only) | 2.0763% | 4,919 |
| Net charge-offs to loans | 0.8592% | 2,299 |
| Credit loss provision to net charge-offs | 50.5155% | 5,872 |
| Earnings coverage of net charge-offs (x) | 1.2062% | 4,856 |
| Efficiency ratio | 86.5362% | 1,577 |
| Assets per employee ($millions) | 4.9565% | 2,234 |
| Cash dividends to net income (ytd only)* | 52.2500% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8193% | 2,723 |
| Loan loss allowance to noncurrent loans | 1,668.7500% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 7,252 |
| Noncurrent loans to loans | 0.1090% | 6,968 |
| Net loans and leases to total assets | 36.3386% | 7,252 |
| Net loans and leases to deposits | 39.9241% | 7,372 |
| Net loans and leases to core deposits | 41.6241% | 7,389 |
| Total domestic deposits to total assets | 91.0194% | 446 |
| Equity capital to assets | 8.6856% | 6,039 |
| Core capital (leverage) ratio | 8.3471% | 5,794 |
| Tier 1 risk-based capital ratio | 19.1363% | 1,721 |
| Total risk-based capital ratio | 20.3876% | 1,684 |
| Memoranda: | ||
| Average total assets | $33,510,250 | 7,184 |
| Average earning assets | $29,925,500 | 7,179 |
| Average equity | $3,403,250 | 7,253 |
| Average total loans | $15,052,500 | 7,255 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8948% | 5,415 |
| Cost of funding earning assets | 1.2345% | 4,931 |
| Net interest margin | 3.6603% | 4,540 |
| Noninterest income to average assets | 0.4768% | 4,305 |
| Noninterest expense to average assets | 3.1148% | 3,246 |
| Loan and lease loss provision to assets | 0.1526% | 5,377 |
| Net operating income to assets | 0.5975% | 3,890 |
| Return on assets (ROA) | 0.5975% | 4,025 |
| Pretax return on assets | 0.4323% | 5,115 |
| Return on Equity (ROE) | 5.5463% | 4,022 |
| Retained earnings to average equity (ytd only) | 3.3042% | 4,002 |
| Net charge-offs to loans | 0.8960% | 2,043 |
| Credit loss provision to net charge-offs | 35.2941% | 5,668 |
| Earnings coverage of net charge-offs (x) | 1.3529% | 4,469 |
| Efficiency ratio | 84.1924% | 1,898 |
| Assets per employee ($millions) | 3.9343% | 3,899 |
| Cash dividends to net income (ytd only)* | 40.4255% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7544% | 2,885 |
| Loan loss allowance to noncurrent loans | 304.4944% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.2828% | 6,710 |
| Noncurrent loans to loans | 0.5762% | 6,097 |
| Net loans and leases to total assets | 48.2176% | 6,611 |
| Net loans and leases to deposits | 54.3787% | 6,838 |
| Net loans and leases to core deposits | 57.4087% | 6,863 |
| Total domestic deposits to total assets | 88.6700% | 1,626 |
| Equity capital to assets | 10.9392% | 2,929 |
| Core capital (leverage) ratio | 10.2723% | 2,869 |
| Tier 1 risk-based capital ratio | 18.5509% | 1,819 |
| Total risk-based capital ratio | 19.8083% | 1,785 |
| Memoranda: | ||
| Average total assets | $31,463,000 | 7,300 |
| Average earning assets | $27,703,000 | 7,309 |
| Average equity | $3,389,670 | 7,296 |
| Average total loans | $15,178,000 | 7,304 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9685% | 5,160 |
| Cost of funding earning assets | 1.3091% | 4,763 |
| Net interest margin | 3.6594% | 4,440 |
| Noninterest income to average assets | 0.5341% | 3,784 |
| Noninterest expense to average assets | 3.2806% | 2,595 |
| Loan and lease loss provision to assets | 0.0763% | 5,881 |
| Net operating income to assets | 0.5213% | 4,281 |
| Return on assets (ROA) | 0.5213% | 4,422 |
| Pretax return on assets | 0.3052% | 5,584 |
| Return on Equity (ROE) | 4.8766% | 4,429 |
| Retained earnings to average equity (ytd only) | 2.6167% | 4,576 |
| Net charge-offs to loans | 0.2127% | 3,647 |
| Credit loss provision to net charge-offs | 75.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | 3.7500% | 2,800 |
| Efficiency ratio | 89.5833% | 1,464 |
| Assets per employee ($millions) | 3.9196% | 4,055 |
| Cash dividends to net income (ytd only)* | 46.3415% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0987% | 1,961 |
| Loan loss allowance to noncurrent loans | 359.7701% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.2775% | 6,785 |
| Noncurrent loans to loans | 0.5833% | 6,139 |
| Net loans and leases to total assets | 46.5638% | 6,786 |
| Net loans and leases to deposits | 52.3709% | 7,017 |
| Net loans and leases to core deposits | 60.0370% | 6,746 |
| Total domestic deposits to total assets | 88.9116% | 1,562 |
| Equity capital to assets | 10.7631% | 2,985 |
| Core capital (leverage) ratio | 10.3201% | 2,788 |
| Tier 1 risk-based capital ratio | 18.5951% | 1,813 |
| Total risk-based capital ratio | 19.8515% | 1,779 |
| Memoranda: | ||
| Average total assets | $31,457,500 | 7,388 |
| Average earning assets | $26,889,500 | 7,431 |
| Average equity | $3,363,000 | 7,384 |
| Average total loans | $15,043,500 | 7,401 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2890% | 5,235 |
| Cost of funding earning assets | 1.5918% | 5,061 |
| Net interest margin | 3.6972% | 4,160 |
| Noninterest income to average assets | 0.5121% | 4,319 |
| Noninterest expense to average assets | 3.1897% | 3,405 |
| Loan and lease loss provision to assets | 0.9687% | 2,328 |
| Net operating income to assets | -0.3588% | 6,038 |
| Return on assets (ROA) | -0.3588% | 6,029 |
| Pretax return on assets | -0.3588% | 5,883 |
| Return on Equity (ROE) | -3.1843% | 6,012 |
| Retained earnings to average equity (ytd only) | -5.4134% | 6,075 |
| Net charge-offs to loans | 1.1225% | 2,185 |
| Credit loss provision to net charge-offs | 168.7500% | 2,540 |
| Earnings coverage of net charge-offs (x) | 1.0625% | 5,054 |
| Efficiency ratio | 83.9485% | 2,358 |
| Assets per employee ($millions) | 3.9448% | 3,926 |
| Cash dividends to net income (ytd only)* | -70.0000% | 7,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0761% | 1,865 |
| Loan loss allowance to noncurrent loans | 121.1538% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.8239% | 5,453 |
| Noncurrent loans to loans | 1.7136% | 4,067 |
| Net loans and leases to total assets | 47.0816% | 6,890 |
| Net loans and leases to deposits | 52.8999% | 7,113 |
| Net loans and leases to core deposits | 66.9460% | 6,935 |
| Total domestic deposits to total assets | 89.0012% | 1,485 |
| Equity capital to assets | 10.6185% | 3,050 |
| Core capital (leverage) ratio | 10.2280% | 2,853 |
| Tier 1 risk-based capital ratio | 18.2259% | 1,836 |
| Total risk-based capital ratio | 19.4826% | 1,786 |
| Memoranda: | ||
| Average total assets | $30,660,800 | 7,452 |
| Average earning assets | $27,264,200 | 7,451 |
| Average equity | $3,454,400 | 7,457 |
| Average total loans | $15,679,200 | 7,419 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3340% | 5,253 |
| Cost of funding earning assets | 1.6371% | 5,221 |
| Net interest margin | 3.6969% | 4,086 |
| Noninterest income to average assets | 0.5388% | 4,169 |
| Noninterest expense to average assets | 3.0796% | 3,727 |
| Loan and lease loss provision to assets | 1.1696% | 1,660 |
| Net operating income to assets | -0.3767% | 6,286 |
| Return on assets (ROA) | -0.3767% | 6,287 |
| Pretax return on assets | -0.3767% | 6,172 |
| Return on Equity (ROE) | -3.2946% | 6,279 |
| Retained earnings to average equity (ytd only) | -5.5168% | 6,321 |
| Net charge-offs to loans | 1.2316% | 1,661 |
| Credit loss provision to net charge-offs | 182.8767% | 2,495 |
| Earnings coverage of net charge-offs (x) | 1.2398% | 4,842 |
| Efficiency ratio | 79.5249% | 2,917 |
| Assets per employee ($millions) | 3.8320% | 4,117 |
| Cash dividends to net income (ytd only)* | -67.4429% | 7,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0472% | 1,694 |
| Loan loss allowance to noncurrent loans | 218.7500% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 6,286 |
| Noncurrent loans to loans | 0.9359% | 5,425 |
| Net loans and leases to total assets | 49.1649% | 6,852 |
| Net loans and leases to deposits | 55.6080% | 7,117 |
| Net loans and leases to core deposits | 70.8804% | 6,916 |
| Total domestic deposits to total assets | 88.4134% | 1,469 |
| Equity capital to assets | 11.1332% | 2,897 |
| Core capital (leverage) ratio | 10.8813% | 2,498 |
| Tier 1 risk-based capital ratio | 18.4891% | 1,863 |
| Total risk-based capital ratio | 19.7472% | 1,812 |
| Memoranda: | ||
| Average total assets | $30,436,500 | 7,523 |
| Average earning assets | $27,445,750 | 7,517 |
| Average equity | $3,480,250 | 7,515 |
| Average total loans | $15,805,750 | 7,481 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3612% | 5,346 |
| Cost of funding earning assets | 1.6808% | 5,359 |
| Net interest margin | 3.6804% | 4,038 |
| Noninterest income to average assets | 0.5599% | 3,962 |
| Noninterest expense to average assets | 3.1156% | 3,640 |
| Loan and lease loss provision to assets | 1.7587% | 949 |
| Net operating income to assets | -0.9683% | 6,956 |
| Return on assets (ROA) | -0.9683% | 6,956 |
| Pretax return on assets | -0.9683% | 6,797 |
| Return on Equity (ROE) | -8.3936% | 6,923 |
| Retained earnings to average equity (ytd only) | -10.5634% | 6,932 |
| Net charge-offs to loans | 1.5177% | 1,251 |
| Credit loss provision to net charge-offs | 220.6612% | 2,084 |
| Earnings coverage of net charge-offs (x) | 0.9917% | 4,792 |
| Efficiency ratio | 79.7639% | 3,084 |
| Assets per employee ($millions) | 3.6990% | 4,329 |
| Cash dividends to net income (ytd only)* | -25.8503% | 7,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1516% | 1,314 |
| Loan loss allowance to noncurrent loans | 174.3590% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.6590% | 5,766 |
| Noncurrent loans to loans | 1.2340% | 4,742 |
| Net loans and leases to total assets | 52.2506% | 6,652 |
| Net loans and leases to deposits | 59.1666% | 6,952 |
| Net loans and leases to core deposits | 74.6200% | 6,755 |
| Total domestic deposits to total assets | 88.3110% | 1,619 |
| Equity capital to assets | 11.2868% | 2,687 |
| Core capital (leverage) ratio | 10.6989% | 2,669 |
| Tier 1 risk-based capital ratio | 18.1706% | 1,967 |
| Total risk-based capital ratio | 19.4284% | 1,912 |
| Memoranda: | ||
| Average total assets | $30,363,330 | 7,591 |
| Average earning assets | $27,606,000 | 7,574 |
| Average equity | $3,502,670 | 7,576 |
| Average total loans | $15,945,330 | 7,538 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5310% | 4,748 |
| Cost of funding earning assets | 1.7140% | 5,540 |
| Net interest margin | 3.8170% | 3,380 |
| Noninterest income to average assets | 0.5594% | 3,847 |
| Noninterest expense to average assets | 3.1871% | 3,046 |
| Loan and lease loss provision to assets | 0.5203% | 2,386 |
| Net operating income to assets | 0.2992% | 5,302 |
| Return on assets (ROA) | 0.2992% | 5,475 |
| Pretax return on assets | 0.2992% | 5,685 |
| Return on Equity (ROE) | 2.5670% | 5,541 |
| Retained earnings to average equity (ytd only) | 0.4464% | 5,479 |
| Net charge-offs to loans | 1.0739% | 1,267 |
| Credit loss provision to net charge-offs | 93.0233% | 3,945 |
| Earnings coverage of net charge-offs (x) | 1.4651% | 4,001 |
| Efficiency ratio | 79.5455% | 2,901 |
| Assets per employee ($millions) | 3.8868% | 3,907 |
| Cash dividends to net income (ytd only)* | 82.6087% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 4,778 |
| Loan loss allowance to noncurrent loans | 77.9592% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 0.7879% | 5,206 |
| Noncurrent loans to loans | 1.5440% | 3,962 |
| Net loans and leases to total assets | 50.4181% | 6,822 |
| Net loans and leases to deposits | 57.2529% | 7,089 |
| Net loans and leases to core deposits | 73.2741% | 6,850 |
| Total domestic deposits to total assets | 88.0620% | 1,722 |
| Equity capital to assets | 11.4942% | 2,592 |
| Core capital (leverage) ratio | 11.2301% | 2,315 |
| Tier 1 risk-based capital ratio | 18.7503% | 1,868 |
| Total risk-based capital ratio | 19.7945% | 1,877 |
| Memoranda: | ||
| Average total assets | $30,749,000 | 7,618 |
| Average earning assets | $27,770,500 | 7,620 |
| Average equity | $3,584,000 | 7,595 |
| Average total loans | $16,017,000 | 7,577 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8662% | 6,203 |
| Cost of funding earning assets | 2.2927% | 5,187 |
| Net interest margin | 3.5735% | 4,996 |
| Noninterest income to average assets | 0.3781% | 5,658 |
| Noninterest expense to average assets | 3.1390% | 3,552 |
| Loan and lease loss provision to assets | 0.2803% | 4,146 |
| Net operating income to assets | 0.3716% | 5,263 |
| Return on assets (ROA) | 0.3944% | 4,988 |
| Pretax return on assets | 0.2738% | 5,566 |
| Return on Equity (ROE) | 3.4894% | 5,042 |
| Retained earnings to average equity (ytd only) | 0.3749% | 5,018 |
| Net charge-offs to loans | 0.4634% | 2,513 |
| Credit loss provision to net charge-offs | 124.6377% | 4,291 |
| Earnings coverage of net charge-offs (x) | 2.3623% | 4,899 |
| Efficiency ratio | 85.5240% | 1,903 |
| Assets per employee ($millions) | 3.3782% | 5,001 |
| Cash dividends to net income (ytd only)* | 89.2562% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 4,534 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 52.5326% | 6,800 |
| Net loans and leases to deposits | 59.9302% | 7,094 |
| Net loans and leases to core deposits | 77.0924% | 6,787 |
| Total domestic deposits to total assets | 87.6562% | 1,633 |
| Equity capital to assets | 11.8208% | 2,408 |
| Core capital (leverage) ratio | 11.1277% | 2,488 |
| Tier 1 risk-based capital ratio | 18.6378% | 1,881 |
| Total risk-based capital ratio | 19.6932% | 1,875 |
| Memoranda: | ||
| Average total assets | $30,679,000 | 7,615 |
| Average earning assets | $28,263,400 | 7,604 |
| Average equity | $3,467,600 | 7,693 |
| Average total loans | $14,888,400 | 7,657 |