Home > The Tampa State Bank > Performance and Condition Ratios
The Tampa State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0926% | 3,821 |
| Cost of funding earning assets | 1.2264% | 2,740 |
| Net interest margin | 2.8662% | 3,548 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.5087% | 2,270 |
| Loan and lease loss provision to assets | 0.5800% | 141 |
| Net operating income to assets | 0.2290% | 4,128 |
| Return on assets (ROA) | 0.2290% | 4,140 |
| Pretax return on assets | 0.2391% | 4,153 |
| Return on Equity (ROE) | 15.7000% | 1,155 |
| Retained earnings to average equity (ytd only) | 6.8548% | 1,932 |
| Net charge-offs to loans | 0.9262% | 114 |
| Credit loss provision to net charge-offs | 120.4819% | 1,667 |
| Earnings coverage of net charge-offs (x) | 1.7018% | 2,747 |
| Efficiency ratio | 75.3920% | 1,310 |
| Assets per employee ($millions) | 5.2729% | 3,415 |
| Cash dividends to net income (ytd only)* | 56.3291% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2310% | 269 |
| Loan loss allowance to noncurrent loans | 61.2903% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.8542% | 167 |
| Noncurrent loans to loans | 3.6401% | 105 |
| Net loans and leases to total assets | 49.8000% | 3,608 |
| Net loans and leases to deposits | 67.6254% | 3,061 |
| Net loans and leases to core deposits | 74.2615% | 3,064 |
| Total domestic deposits to total assets | 73.6400% | 4,126 |
| Equity capital to assets | 2.5252% | 4,554 |
| Core capital (leverage) ratio | 9.0520% | 3,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9258% | 2,262 |
| Memoranda: | ||
| Average total assets | $69,000,600 | 4,122 |
| Average earning assets | $65,068,600 | 4,087 |
| Average equity | $1,006,600 | 4,520 |
| Average total loans | $35,845,200 | 4,055 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0463% | 3,768 |
| Cost of funding earning assets | 1.1377% | 2,633 |
| Net interest margin | 2.9086% | 3,523 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 2.4982% | 2,234 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 0.7003% | 3,326 |
| Return on assets (ROA) | 0.7003% | 3,305 |
| Pretax return on assets | 0.7331% | 3,484 |
| Return on Equity (ROE) | 58.6300% | 56 |
| Retained earnings to average equity (ytd only) | 44.2549% | 41 |
| Net charge-offs to loans | -0.0813% | 4,457 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.9577% | 1,455 |
| Assets per employee ($millions) | 5.1608% | 3,466 |
| Cash dividends to net income (ytd only)* | 24.5179% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3524% | 245 |
| Loan loss allowance to noncurrent loans | 73.0061% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.7007% | 195 |
| Noncurrent loans to loans | 3.2222% | 123 |
| Net loans and leases to total assets | 51.5400% | 3,526 |
| Net loans and leases to deposits | 63.2602% | 3,307 |
| Net loans and leases to core deposits | 69.8249% | 3,215 |
| Total domestic deposits to total assets | 81.4700% | 3,314 |
| Equity capital to assets | 0.7766% | 4,581 |
| Core capital (leverage) ratio | 8.9310% | 3,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6903% | 2,870 |
| Memoranda: | ||
| Average total assets | $69,113,750 | 4,134 |
| Average earning assets | $65,276,500 | 4,107 |
| Average equity | $825,500 | 4,548 |
| Average total loans | $36,077,250 | 4,068 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9008% | 3,868 |
| Cost of funding earning assets | 1.0859% | 2,335 |
| Net interest margin | 2.8149% | 3,798 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.4617% | 2,316 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5703% | 3,656 |
| Return on assets (ROA) | 0.5703% | 3,660 |
| Pretax return on assets | 0.5961% | 3,812 |
| Return on Equity (ROE) | 42.9300% | 95 |
| Retained earnings to average equity (ytd only) | 30.8522% | 76 |
| Net charge-offs to loans | -0.0992% | 4,512 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.5061% | 809 |
| Assets per employee ($millions) | 5.5042% | 3,146 |
| Cash dividends to net income (ytd only)* | 28.1407% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8920% | 507 |
| Loan loss allowance to noncurrent loans | 61.1065% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.6672% | 199 |
| Noncurrent loans to loans | 3.0963% | 134 |
| Net loans and leases to total assets | 52.8300% | 3,348 |
| Net loans and leases to deposits | 66.8323% | 3,011 |
| Net loans and leases to core deposits | 74.9054% | 2,836 |
| Total domestic deposits to total assets | 79.0500% | 3,711 |
| Equity capital to assets | 1.4674% | 4,617 |
| Core capital (leverage) ratio | 8.8179% | 3,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8170% | 1,974 |
| Memoranda: | ||
| Average total assets | $69,788,333 | 4,149 |
| Average earning assets | $65,934,667 | 4,119 |
| Average equity | $927,000 | 4,576 |
| Average total loans | $36,299,333 | 4,076 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7814% | 3,893 |
| Cost of funding earning assets | 0.9562% | 2,198 |
| Net interest margin | 2.8253% | 3,915 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.4323% | 2,434 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6037% | 3,682 |
| Return on assets (ROA) | 0.6037% | 3,644 |
| Pretax return on assets | 0.6328% | 3,788 |
| Return on Equity (ROE) | 48.0600% | 80 |
| Retained earnings to average equity (ytd only) | 38.8215% | 68 |
| Net charge-offs to loans | -0.0568% | 4,400 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.3561% | 877 |
| Assets per employee ($millions) | 5.3445% | 3,366 |
| Cash dividends to net income (ytd only)* | 19.2308% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0299% | 413 |
| Loan loss allowance to noncurrent loans | 56.7803% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.8754% | 139 |
| Noncurrent loans to loans | 3.5750% | 110 |
| Net loans and leases to total assets | 49.7400% | 3,514 |
| Net loans and leases to deposits | 58.1817% | 3,443 |
| Net loans and leases to core deposits | 64.3292% | 3,326 |
| Total domestic deposits to total assets | 85.4900% | 2,729 |
| Equity capital to assets | 1.8480% | 4,641 |
| Core capital (leverage) ratio | 8.7268% | 3,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9012% | 2,756 |
| Memoranda: | ||
| Average total assets | $68,905,000 | 4,210 |
| Average earning assets | $64,843,000 | 4,186 |
| Average equity | $865,500 | 4,649 |
| Average total loans | $35,184,000 | 4,148 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4697% | 3,153 |
| Cost of funding earning assets | 0.6614% | 686 |
| Net interest margin | 2.8083% | 3,877 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.8558% | 1,208 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.1607% | 4,475 |
| Return on assets (ROA) | 0.1496% | 4,468 |
| Pretax return on assets | 0.1569% | 4,465 |
| Return on Equity (ROE) | 5.4300% | 3,943 |
| Retained earnings to average equity (ytd only) | -0.7378% | 4,426 |
| Net charge-offs to loans | -0.0323% | 4,216 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 94.4284% | 223 |
| Assets per employee ($millions) | 5.2562% | 3,465 |
| Cash dividends to net income (ytd only)* | 113.5922% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0259% | 413 |
| Loan loss allowance to noncurrent loans | 56.6534% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.8996% | 131 |
| Noncurrent loans to loans | 3.5760% | 109 |
| Net loans and leases to total assets | 50.3200% | 3,479 |
| Net loans and leases to deposits | 57.7368% | 3,474 |
| Net loans and leases to core deposits | 62.6280% | 3,351 |
| Total domestic deposits to total assets | 87.1500% | 2,346 |
| Equity capital to assets | 0.6542% | 4,678 |
| Core capital (leverage) ratio | 8.9600% | 3,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6543% | 1,745 |
| Memoranda: | ||
| Average total assets | $68,842,600 | 4,242 |
| Average earning assets | $65,165,000 | 4,204 |
| Average equity | $1,897,600 | 4,681 |
| Average total loans | $34,063,200 | 4,166 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4049% | 2,903 |
| Cost of funding earning assets | 0.6120% | 410 |
| Net interest margin | 2.7929% | 3,748 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.7006% | 1,474 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2856% | 4,394 |
| Return on assets (ROA) | 0.2726% | 4,373 |
| Pretax return on assets | 0.2842% | 4,392 |
| Return on Equity (ROE) | 8.3200% | 3,225 |
| Retained earnings to average equity (ytd only) | 2.5955% | 3,895 |
| Net charge-offs to loans | -0.0158% | 3,893 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 90.0709% | 316 |
| Assets per employee ($millions) | 5.1538% | 3,547 |
| Cash dividends to net income (ytd only)* | 68.7943% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0913% | 419 |
| Loan loss allowance to noncurrent loans | 56.9119% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 1.9120% | 143 |
| Noncurrent loans to loans | 3.6745% | 110 |
| Net loans and leases to total assets | 49.1900% | 3,516 |
| Net loans and leases to deposits | 55.6635% | 3,506 |
| Net loans and leases to core deposits | 60.3873% | 3,355 |
| Total domestic deposits to total assets | 88.3800% | 2,315 |
| Equity capital to assets | -0.8164% | 4,746 |
| Core capital (leverage) ratio | 8.6193% | 3,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1726% | 2,399 |
| Memoranda: | ||
| Average total assets | $68,970,500 | 4,269 |
| Average earning assets | $65,354,500 | 4,232 |
| Average equity | $2,260,250 | 4,701 |
| Average total loans | $33,805,250 | 4,195 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2072% | 3,018 |
| Cost of funding earning assets | 0.5714% | 343 |
| Net interest margin | 2.6358% | 3,839 |
| Noninterest income to average assets | 0.4170% | 2,650 |
| Noninterest expense to average assets | 2.6478% | 1,507 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2742% | 4,331 |
| Return on assets (ROA) | 0.2742% | 4,281 |
| Pretax return on assets | 0.2856% | 4,314 |
| Return on Equity (ROE) | 5.3492% | 3,739 |
| Retained earnings to average equity (ytd only) | 1.1701% | 3,953 |
| Net charge-offs to loans | -0.0059% | 3,397 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2629% | 394 |
| Assets per employee ($millions) | 5.5542% | 3,171 |
| Cash dividends to net income (ytd only)* | 78.1250% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0132% | 538 |
| Loan loss allowance to noncurrent loans | 49.4358% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.9639% | 144 |
| Noncurrent loans to loans | 4.0724% | 90 |
| Net loans and leases to total assets | 47.2536% | 3,613 |
| Net loans and leases to deposits | 58.0897% | 3,217 |
| Net loans and leases to core deposits | 64.3609% | 2,937 |
| Total domestic deposits to total assets | 81.3459% | 4,086 |
| Equity capital to assets | 2.7893% | 4,701 |
| Core capital (leverage) ratio | 8.5829% | 3,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1149% | 2,445 |
| Memoranda: | ||
| Average total assets | $70,021,000 | 4,309 |
| Average earning assets | $66,849,667 | 4,276 |
| Average equity | $3,589,333 | 4,645 |
| Average total loans | $33,852,333 | 4,246 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1699% | 2,778 |
| Cost of funding earning assets | 0.5526% | 365 |
| Net interest margin | 2.6173% | 3,615 |
| Noninterest income to average assets | 0.5049% | 2,118 |
| Noninterest expense to average assets | 2.6810% | 1,407 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3134% | 4,120 |
| Return on assets (ROA) | 0.3134% | 4,087 |
| Pretax return on assets | 0.3250% | 4,148 |
| Return on Equity (ROE) | 4.9349% | 3,638 |
| Retained earnings to average equity (ytd only) | 0.3655% | 3,943 |
| Net charge-offs to loans | 0.0240% | 1,080 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,160 |
| Efficiency ratio | 89.1892% | 587 |
| Assets per employee ($millions) | 5.2702% | 3,523 |
| Cash dividends to net income (ytd only)* | 92.5926% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1697% | 460 |
| Loan loss allowance to noncurrent loans | 54.0666% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.8843% | 161 |
| Noncurrent loans to loans | 4.0129% | 96 |
| Net loans and leases to total assets | 45.9379% | 3,585 |
| Net loans and leases to deposits | 53.4709% | 3,462 |
| Net loans and leases to core deposits | 59.2221% | 3,213 |
| Total domestic deposits to total assets | 85.9120% | 3,288 |
| Equity capital to assets | 4.4094% | 4,759 |
| Core capital (leverage) ratio | 8.4966% | 3,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0577% | 2,879 |
| Memoranda: | ||
| Average total assets | $68,929,500 | 4,338 |
| Average earning assets | $65,869,500 | 4,308 |
| Average equity | $4,377,000 | 4,625 |
| Average total loans | $33,368,500 | 4,272 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7463% | 1,986 |
| Cost of funding earning assets | 0.5863% | 584 |
| Net interest margin | 3.1600% | 2,709 |
| Noninterest income to average assets | 0.3616% | 3,265 |
| Noninterest expense to average assets | 2.7645% | 1,443 |
| Loan and lease loss provision to assets | 0.1771% | 650 |
| Net operating income to assets | 0.4005% | 4,275 |
| Return on assets (ROA) | 0.5195% | 4,085 |
| Pretax return on assets | 0.5432% | 4,189 |
| Return on Equity (ROE) | 5.8577% | 3,804 |
| Retained earnings to average equity (ytd only) | -1.4644% | 4,601 |
| Net charge-offs to loans | 0.2007% | 476 |
| Credit loss provision to net charge-offs | 166.6667% | 1,424 |
| Earnings coverage of net charge-offs (x) | 5.6111% | 2,437 |
| Efficiency ratio | 82.2574% | 658 |
| Assets per employee ($millions) | 5.3344% | 3,432 |
| Cash dividends to net income (ytd only)* | 125.0000% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0251% | 583 |
| Loan loss allowance to noncurrent loans | 55.6439% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 1.8141% | 194 |
| Noncurrent loans to loans | 3.6394% | 136 |
| Net loans and leases to total assets | 48.8356% | 3,423 |
| Net loans and leases to deposits | 60.0461% | 3,065 |
| Net loans and leases to core deposits | 66.5618% | 2,771 |
| Total domestic deposits to total assets | 81.3301% | 4,063 |
| Equity capital to assets | 8.2671% | 4,196 |
| Core capital (leverage) ratio | 8.7332% | 3,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,751,200 | 4,360 |
| Average earning assets | $64,303,400 | 4,331 |
| Average equity | $6,009,200 | 4,527 |
| Average total loans | $35,881,400 | 4,275 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9483% | 1,644 |
| Cost of funding earning assets | 0.5942% | 657 |
| Net interest margin | 3.3541% | 2,285 |
| Noninterest income to average assets | 0.3662% | 3,265 |
| Noninterest expense to average assets | 2.6131% | 1,804 |
| Loan and lease loss provision to assets | 0.2376% | 400 |
| Net operating income to assets | 0.6494% | 3,901 |
| Return on assets (ROA) | 0.7127% | 3,803 |
| Pretax return on assets | 0.7562% | 3,963 |
| Return on Equity (ROE) | 7.8968% | 3,434 |
| Retained earnings to average equity (ytd only) | -1.7548% | 4,696 |
| Net charge-offs to loans | 0.2725% | 301 |
| Credit loss provision to net charge-offs | 162.1622% | 1,312 |
| Earnings coverage of net charge-offs (x) | 6.3243% | 2,183 |
| Efficiency ratio | 73.8255% | 1,227 |
| Assets per employee ($millions) | 5.3571% | 3,344 |
| Cash dividends to net income (ytd only)* | 122.2222% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9507% | 694 |
| Loan loss allowance to noncurrent loans | 306.1404% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.3274% | 2,143 |
| Noncurrent loans to loans | 0.6372% | 1,713 |
| Net loans and leases to total assets | 50.3776% | 3,365 |
| Net loans and leases to deposits | 64.8012% | 2,755 |
| Net loans and leases to core deposits | 71.9303% | 2,431 |
| Total domestic deposits to total assets | 77.7419% | 4,443 |
| Equity capital to assets | 8.3585% | 4,304 |
| Core capital (leverage) ratio | 9.6368% | 2,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,352,250 | 4,421 |
| Average earning assets | $63,722,250 | 4,396 |
| Average equity | $6,078,250 | 4,585 |
| Average total loans | $36,210,250 | 4,325 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3102% | 3,397 |
| Cost of funding earning assets | 0.6073% | 724 |
| Net interest margin | 2.7028% | 3,977 |
| Noninterest income to average assets | 1.3666% | 635 |
| Noninterest expense to average assets | 2.5950% | 1,872 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2666% | 1,970 |
| Return on assets (ROA) | 1.3185% | 1,876 |
| Pretax return on assets | 1.3786% | 2,397 |
| Return on Equity (ROE) | 14.2440% | 1,339 |
| Retained earnings to average equity (ytd only) | 2.7255% | 3,926 |
| Net charge-offs to loans | -0.1981% | 4,795 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2069% | 2,124 |
| Assets per employee ($millions) | 5.3234% | 3,327 |
| Cash dividends to net income (ytd only)* | 80.8656% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9705% | 646 |
| Loan loss allowance to noncurrent loans | 318.9815% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 2,356 |
| Noncurrent loans to loans | 0.6177% | 1,865 |
| Net loans and leases to total assets | 49.5304% | 3,603 |
| Net loans and leases to deposits | 61.4305% | 3,260 |
| Net loans and leases to core deposits | 67.2876% | 3,010 |
| Total domestic deposits to total assets | 80.6283% | 4,139 |
| Equity capital to assets | 8.8998% | 3,890 |
| Core capital (leverage) ratio | 8.8540% | 3,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,589,000 | 4,459 |
| Average earning assets | $62,896,667 | 4,437 |
| Average equity | $6,164,000 | 4,608 |
| Average total loans | $36,353,000 | 4,351 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2788% | 3,504 |
| Cost of funding earning assets | 0.6245% | 782 |
| Net interest margin | 2.6542% | 4,052 |
| Noninterest income to average assets | 1.7279% | 476 |
| Noninterest expense to average assets | 2.6164% | 1,847 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5380% | 1,244 |
| Return on assets (ROA) | 1.5380% | 1,308 |
| Pretax return on assets | 1.6115% | 1,691 |
| Return on Equity (ROE) | 16.2815% | 963 |
| Retained earnings to average equity (ytd only) | 2.7244% | 3,861 |
| Net charge-offs to loans | -0.2915% | 4,844 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8841% | 2,777 |
| Assets per employee ($millions) | 5.2290% | 3,400 |
| Cash dividends to net income (ytd only)* | 83.2669% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8405% | 812 |
| Loan loss allowance to noncurrent loans | 1,508.8889% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 3,903 |
| Noncurrent loans to loans | 0.1220% | 3,702 |
| Net loans and leases to total assets | 53.2724% | 3,316 |
| Net loans and leases to deposits | 66.9384% | 2,818 |
| Net loans and leases to core deposits | 73.5483% | 2,553 |
| Total domestic deposits to total assets | 79.5843% | 4,256 |
| Equity capital to assets | 8.7574% | 3,905 |
| Core capital (leverage) ratio | 9.1225% | 3,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,281,500 | 4,493 |
| Average earning assets | $61,486,500 | 4,470 |
| Average equity | $6,166,500 | 4,629 |
| Average total loans | $37,046,500 | 4,351 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0841% | 2,469 |
| Cost of funding earning assets | 0.7692% | 1,348 |
| Net interest margin | 3.3149% | 3,032 |
| Noninterest income to average assets | 0.5012% | 2,630 |
| Noninterest expense to average assets | 2.9277% | 1,606 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6601% | 3,560 |
| Return on assets (ROA) | 0.9278% | 2,723 |
| Pretax return on assets | 0.9709% | 3,141 |
| Return on Equity (ROE) | 9.0135% | 2,386 |
| Retained earnings to average equity (ytd only) | 2.8056% | 3,465 |
| Net charge-offs to loans | 0.0771% | 1,712 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 13.9000% | 2,252 |
| Efficiency ratio | 80.8803% | 825 |
| Assets per employee ($millions) | 4.8143% | 3,594 |
| Cash dividends to net income (ytd only)* | 68.8730% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7553% | 938 |
| Loan loss allowance to noncurrent loans | 640.1961% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 3,457 |
| Noncurrent loans to loans | 0.2742% | 3,210 |
| Net loans and leases to total assets | 58.3964% | 3,043 |
| Net loans and leases to deposits | 76.6430% | 2,213 |
| Net loans and leases to core deposits | 84.4494% | 1,997 |
| Total domestic deposits to total assets | 76.1928% | 4,498 |
| Equity capital to assets | 10.1940% | 2,934 |
| Core capital (leverage) ratio | 9.5400% | 3,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $60,252,000 | 4,512 |
| Average earning assets | $56,683,800 | 4,485 |
| Average equity | $6,201,800 | 4,622 |
| Average total loans | $38,888,600 | 4,330 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1926% | 2,417 |
| Cost of funding earning assets | 0.7953% | 1,522 |
| Net interest margin | 3.3973% | 2,932 |
| Noninterest income to average assets | 0.5363% | 2,441 |
| Noninterest expense to average assets | 2.7261% | 2,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9636% | 2,473 |
| Return on assets (ROA) | 1.2446% | 1,617 |
| Pretax return on assets | 1.3005% | 2,045 |
| Return on Equity (ROE) | 12.0614% | 1,350 |
| Retained earnings to average equity (ytd only) | 5.8899% | 2,147 |
| Net charge-offs to loans | -0.0407% | 4,618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0102% | 1,522 |
| Assets per employee ($millions) | 4.7322% | 3,560 |
| Cash dividends to net income (ytd only)* | 51.1670% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7794% | 762 |
| Loan loss allowance to noncurrent loans | 542.9688% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 3,193 |
| Noncurrent loans to loans | 0.3277% | 3,110 |
| Net loans and leases to total assets | 62.3612% | 2,960 |
| Net loans and leases to deposits | 83.3076% | 1,979 |
| Net loans and leases to core deposits | 91.4517% | 1,845 |
| Total domestic deposits to total assets | 74.8565% | 4,514 |
| Equity capital to assets | 10.4748% | 2,813 |
| Core capital (leverage) ratio | 9.8794% | 2,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,668,500 | 4,534 |
| Average earning assets | $56,161,250 | 4,510 |
| Average equity | $6,157,250 | 4,651 |
| Average total loans | $39,310,500 | 4,348 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3391% | 2,366 |
| Cost of funding earning assets | 0.8273% | 1,689 |
| Net interest margin | 3.5117% | 2,748 |
| Noninterest income to average assets | 0.3218% | 3,537 |
| Noninterest expense to average assets | 2.7738% | 2,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8012% | 3,042 |
| Return on assets (ROA) | 1.0093% | 2,414 |
| Pretax return on assets | 1.0567% | 2,849 |
| Return on Equity (ROE) | 9.8323% | 2,037 |
| Retained earnings to average equity (ytd only) | 2.0786% | 3,720 |
| Net charge-offs to loans | 0.1066% | 1,226 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 11.8095% | 2,089 |
| Efficiency ratio | 76.7573% | 1,187 |
| Assets per employee ($millions) | 4.7615% | 3,456 |
| Cash dividends to net income (ytd only)* | 78.8591% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 1,061 |
| Loan loss allowance to noncurrent loans | 624.5283% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.2116% | 3,482 |
| Noncurrent loans to loans | 0.2525% | 3,474 |
| Net loans and leases to total assets | 66.7447% | 2,533 |
| Net loans and leases to deposits | 89.3645% | 1,410 |
| Net loans and leases to core deposits | 97.4548% | 1,459 |
| Total domestic deposits to total assets | 74.6882% | 4,543 |
| Equity capital to assets | 10.0517% | 3,158 |
| Core capital (leverage) ratio | 9.6884% | 3,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,051,667 | 4,557 |
| Average earning assets | $55,357,667 | 4,539 |
| Average equity | $6,061,667 | 4,684 |
| Average total loans | $39,394,333 | 4,363 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5655% | 2,114 |
| Cost of funding earning assets | 0.8879% | 1,933 |
| Net interest margin | 3.6775% | 2,406 |
| Noninterest income to average assets | 0.4789% | 2,657 |
| Noninterest expense to average assets | 2.7973% | 2,437 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0834% | 1,894 |
| Return on assets (ROA) | 1.2633% | 1,440 |
| Pretax return on assets | 1.3188% | 1,819 |
| Return on Equity (ROE) | 12.1709% | 1,063 |
| Retained earnings to average equity (ytd only) | 2.1399% | 3,390 |
| Net charge-offs to loans | -0.0525% | 4,651 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2014% | 2,193 |
| Assets per employee ($millions) | 4.4622% | 3,321 |
| Cash dividends to net income (ytd only)* | 82.4176% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7885% | 723 |
| Loan loss allowance to noncurrent loans | 367.9144% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.4086% | 2,824 |
| Noncurrent loans to loans | 0.4861% | 2,807 |
| Net loans and leases to total assets | 65.1278% | 2,923 |
| Net loans and leases to deposits | 87.7034% | 1,780 |
| Net loans and leases to core deposits | 96.2425% | 1,771 |
| Total domestic deposits to total assets | 74.2592% | 4,640 |
| Equity capital to assets | 10.3553% | 3,466 |
| Core capital (leverage) ratio | 10.1389% | 3,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,627,500 | 4,585 |
| Average earning assets | $54,058,000 | 4,571 |
| Average equity | $5,981,500 | 4,727 |
| Average total loans | $38,103,000 | 4,410 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3457% | 3,404 |
| Cost of funding earning assets | 0.9327% | 2,045 |
| Net interest margin | 3.4130% | 3,706 |
| Noninterest income to average assets | 0.4919% | 2,789 |
| Noninterest expense to average assets | 3.1148% | 1,724 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5369% | 4,319 |
| Return on assets (ROA) | 0.6375% | 4,117 |
| Pretax return on assets | 0.6659% | 4,290 |
| Return on Equity (ROE) | 6.1546% | 3,864 |
| Retained earnings to average equity (ytd only) | 0.9258% | 4,410 |
| Net charge-offs to loans | 0.1216% | 1,540 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 7.0222% | 2,912 |
| Efficiency ratio | 84.7343% | 617 |
| Assets per employee ($millions) | 4.4035% | 3,364 |
| Cash dividends to net income (ytd only)* | 84.9582% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8098% | 644 |
| Loan loss allowance to noncurrent loans | 267.8431% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 2,296 |
| Noncurrent loans to loans | 0.6757% | 2,195 |
| Net loans and leases to total assets | 64.7294% | 3,105 |
| Net loans and leases to deposits | 88.2598% | 1,808 |
| Net loans and leases to core deposits | 97.0789% | 1,808 |
| Total domestic deposits to total assets | 73.3396% | 4,809 |
| Equity capital to assets | 10.3763% | 3,564 |
| Core capital (leverage) ratio | 10.3610% | 3,115 |
| Tier 1 risk-based capital ratio | 13.5111% | 3,519 |
| Total risk-based capital ratio | 14.7642% | 3,412 |
| Memoranda: | ||
| Average total assets | $56,311,400 | 4,645 |
| Average earning assets | $52,535,000 | 4,632 |
| Average equity | $5,833,000 | 4,779 |
| Average total loans | $37,015,600 | 4,476 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3580% | 3,490 |
| Cost of funding earning assets | 0.9653% | 1,908 |
| Net interest margin | 3.3927% | 3,879 |
| Noninterest income to average assets | 0.5041% | 2,705 |
| Noninterest expense to average assets | 2.9102% | 2,227 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7254% | 3,927 |
| Return on assets (ROA) | 0.8203% | 3,690 |
| Pretax return on assets | 0.8607% | 3,975 |
| Return on Equity (ROE) | 7.9223% | 3,349 |
| Retained earnings to average equity (ytd only) | 2.0667% | 4,247 |
| Net charge-offs to loans | 0.1086% | 1,380 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 10.6665% | 2,485 |
| Efficiency ratio | 79.2746% | 982 |
| Assets per employee ($millions) | 4.2995% | 3,483 |
| Cash dividends to net income (ytd only)* | 73.9125% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8879% | 567 |
| Loan loss allowance to noncurrent loans | 228.8525% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.6351% | 2,099 |
| Noncurrent loans to loans | 0.8249% | 1,916 |
| Net loans and leases to total assets | 64.8990% | 3,194 |
| Net loans and leases to deposits | 86.5377% | 2,129 |
| Net loans and leases to core deposits | 95.1649% | 2,070 |
| Total domestic deposits to total assets | 74.9951% | 4,749 |
| Equity capital to assets | 10.7169% | 3,367 |
| Core capital (leverage) ratio | 10.5117% | 3,094 |
| Tier 1 risk-based capital ratio | 10.6501% | 5,038 |
| Total risk-based capital ratio | 11.9001% | 4,957 |
| Memoranda: | ||
| Average total assets | $56,077,750 | 4,717 |
| Average earning assets | $52,346,750 | 4,702 |
| Average equity | $5,806,250 | 4,844 |
| Average total loans | $36,835,000 | 4,537 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3481% | 3,495 |
| Cost of funding earning assets | 0.9192% | 2,056 |
| Net interest margin | 3.4289% | 3,802 |
| Noninterest income to average assets | 0.4631% | 2,892 |
| Noninterest expense to average assets | 2.8002% | 2,586 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8269% | 3,555 |
| Return on assets (ROA) | 0.9227% | 3,260 |
| Pretax return on assets | 0.9655% | 3,666 |
| Return on Equity (ROE) | 9.0165% | 2,846 |
| Retained earnings to average equity (ytd only) | 2.5762% | 3,905 |
| Net charge-offs to loans | 0.0652% | 1,720 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 20.2500% | 1,784 |
| Efficiency ratio | 76.3848% | 1,344 |
| Assets per employee ($millions) | 4.3095% | 3,419 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9426% | 523 |
| Loan loss allowance to noncurrent loans | 281.8898% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.5426% | 2,382 |
| Noncurrent loans to loans | 0.6891% | 2,245 |
| Net loans and leases to total assets | 64.5099% | 3,286 |
| Net loans and leases to deposits | 88.6243% | 1,921 |
| Net loans and leases to core deposits | 97.7021% | 1,905 |
| Total domestic deposits to total assets | 72.7902% | 4,921 |
| Equity capital to assets | 10.6133% | 3,423 |
| Core capital (leverage) ratio | 9.9595% | 3,628 |
| Tier 1 risk-based capital ratio | 13.1627% | 3,751 |
| Total risk-based capital ratio | 14.4169% | 3,660 |
| Memoranda: | ||
| Average total assets | $56,139,330 | 4,751 |
| Average earning assets | $52,436,670 | 4,738 |
| Average equity | $5,745,000 | 4,882 |
| Average total loans | $36,789,330 | 4,577 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2706% | 3,645 |
| Cost of funding earning assets | 0.9015% | 1,991 |
| Net interest margin | 3.3691% | 3,980 |
| Noninterest income to average assets | 0.5054% | 2,525 |
| Noninterest expense to average assets | 2.7759% | 2,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8325% | 3,509 |
| Return on assets (ROA) | 0.8257% | 3,569 |
| Pretax return on assets | 0.8613% | 3,891 |
| Return on Equity (ROE) | 8.2204% | 3,160 |
| Retained earnings to average equity (ytd only) | -0.9921% | 4,653 |
| Net charge-offs to loans | -0.0979% | 5,026 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1719% | 1,479 |
| Assets per employee ($millions) | 4.2553% | 3,538 |
| Cash dividends to net income (ytd only)* | 112.0690% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0030% | 494 |
| Loan loss allowance to noncurrent loans | 210.8883% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.6309% | 2,195 |
| Noncurrent loans to loans | 0.9498% | 1,760 |
| Net loans and leases to total assets | 65.0934% | 3,162 |
| Net loans and leases to deposits | 87.2396% | 1,964 |
| Net loans and leases to core deposits | 94.7655% | 2,053 |
| Total domestic deposits to total assets | 74.6145% | 4,883 |
| Equity capital to assets | 10.4015% | 3,416 |
| Core capital (leverage) ratio | 9.7684% | 3,847 |
| Tier 1 risk-based capital ratio | 13.1202% | 3,819 |
| Total risk-based capital ratio | 14.3774% | 3,724 |
| Memoranda: | ||
| Average total assets | $56,197,000 | 4,804 |
| Average earning assets | $52,358,000 | 4,789 |
| Average equity | $5,644,500 | 4,938 |
| Average total loans | $36,755,500 | 4,626 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1846% | 3,479 |
| Cost of funding earning assets | 0.7465% | 1,810 |
| Net interest margin | 3.4381% | 3,886 |
| Noninterest income to average assets | 0.5025% | 2,823 |
| Noninterest expense to average assets | 3.0613% | 1,892 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6230% | 4,354 |
| Return on assets (ROA) | 0.5983% | 4,431 |
| Pretax return on assets | 0.6204% | 4,598 |
| Return on Equity (ROE) | 5.9237% | 4,197 |
| Retained earnings to average equity (ytd only) | 0.3463% | 4,894 |
| Net charge-offs to loans | 0.0201% | 3,027 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 50.1429% | 1,135 |
| Efficiency ratio | 82.5720% | 738 |
| Assets per employee ($millions) | 4.3904% | 3,320 |
| Cash dividends to net income (ytd only)* | 94.1538% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9801% | 489 |
| Loan loss allowance to noncurrent loans | 140.0000% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.9111% | 1,522 |
| Noncurrent loans to loans | 1.4144% | 1,100 |
| Net loans and leases to total assets | 63.1415% | 3,450 |
| Net loans and leases to deposits | 84.0164% | 2,512 |
| Net loans and leases to core deposits | 93.6538% | 2,257 |
| Total domestic deposits to total assets | 75.1537% | 4,857 |
| Equity capital to assets | 9.6978% | 3,952 |
| Core capital (leverage) ratio | 9.7670% | 3,843 |
| Tier 1 risk-based capital ratio | 13.2213% | 3,710 |
| Total risk-based capital ratio | 14.4782% | 3,592 |
| Memoranda: | ||
| Average total assets | $54,323,200 | 4,869 |
| Average earning assets | $50,637,800 | 4,842 |
| Average equity | $5,486,400 | 4,973 |
| Average total loans | $34,762,000 | 4,694 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1398% | 3,494 |
| Cost of funding earning assets | 0.6767% | 1,991 |
| Net interest margin | 3.4631% | 3,828 |
| Noninterest income to average assets | 0.5369% | 2,635 |
| Noninterest expense to average assets | 2.9781% | 2,081 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7674% | 4,020 |
| Return on assets (ROA) | 0.7507% | 4,084 |
| Pretax return on assets | 0.7855% | 4,333 |
| Return on Equity (ROE) | 7.3555% | 3,798 |
| Retained earnings to average equity (ytd only) | 1.1203% | 4,825 |
| Net charge-offs to loans | -0.0039% | 4,179 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7640% | 1,048 |
| Assets per employee ($millions) | 4.3414% | 3,373 |
| Cash dividends to net income (ytd only)* | 84.7663% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0435% | 452 |
| Loan loss allowance to noncurrent loans | 208.8068% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.6237% | 2,312 |
| Noncurrent loans to loans | 0.9787% | 1,737 |
| Net loans and leases to total assets | 62.4260% | 3,611 |
| Net loans and leases to deposits | 87.7444% | 2,182 |
| Net loans and leases to core deposits | 95.8225% | 2,135 |
| Total domestic deposits to total assets | 71.1453% | 5,175 |
| Equity capital to assets | 9.7417% | 3,880 |
| Core capital (leverage) ratio | 10.0636% | 3,569 |
| Tier 1 risk-based capital ratio | 13.3945% | 3,682 |
| Total risk-based capital ratio | 14.6503% | 3,603 |
| Memoranda: | ||
| Average total assets | $53,635,250 | 4,933 |
| Average earning assets | $50,242,750 | 4,904 |
| Average equity | $5,474,250 | 5,034 |
| Average total loans | $34,261,000 | 4,760 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1012% | 3,441 |
| Cost of funding earning assets | 0.6263% | 2,064 |
| Net interest margin | 3.4749% | 3,716 |
| Noninterest income to average assets | 0.5692% | 2,480 |
| Noninterest expense to average assets | 3.0853% | 1,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7135% | 4,157 |
| Return on assets (ROA) | 0.7135% | 4,163 |
| Pretax return on assets | 0.7476% | 4,398 |
| Return on Equity (ROE) | 6.8785% | 3,933 |
| Retained earnings to average equity (ytd only) | -1.6099% | 5,121 |
| Net charge-offs to loans | 0.1009% | 1,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 11.5882% | 2,256 |
| Efficiency ratio | 80.4950% | 962 |
| Assets per employee ($millions) | 4.1528% | 3,651 |
| Cash dividends to net income (ytd only)* | 123.4043% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1628% | 399 |
| Loan loss allowance to noncurrent loans | 239.0000% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.5557% | 2,566 |
| Noncurrent loans to loans | 0.9050% | 1,911 |
| Net loans and leases to total assets | 60.0785% | 3,801 |
| Net loans and leases to deposits | 79.4289% | 3,013 |
| Net loans and leases to core deposits | 85.2114% | 2,993 |
| Total domestic deposits to total assets | 75.6381% | 4,889 |
| Equity capital to assets | 9.9581% | 3,669 |
| Core capital (leverage) ratio | 10.8045% | 2,691 |
| Tier 1 risk-based capital ratio | 14.8507% | 2,947 |
| Total risk-based capital ratio | 16.1110% | 2,863 |
| Memoranda: | ||
| Average total assets | $52,701,000 | 5,004 |
| Average earning assets | $49,497,330 | 4,977 |
| Average equity | $5,466,330 | 5,085 |
| Average total loans | $33,692,330 | 4,817 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0933% | 3,257 |
| Cost of funding earning assets | 0.5731% | 2,230 |
| Net interest margin | 3.5202% | 3,460 |
| Noninterest income to average assets | 0.6762% | 1,930 |
| Noninterest expense to average assets | 2.8583% | 2,502 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0757% | 2,542 |
| Return on assets (ROA) | 1.0757% | 2,553 |
| Pretax return on assets | 1.1218% | 3,088 |
| Return on Equity (ROE) | 10.1606% | 2,352 |
| Retained earnings to average equity (ytd only) | -2.1773% | 5,024 |
| Net charge-offs to loans | 0.1413% | 967 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 12.1667% | 1,814 |
| Efficiency ratio | 71.8147% | 2,218 |
| Assets per employee ($millions) | 4.0042% | 3,970 |
| Cash dividends to net income (ytd only)* | 121.4286% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1495% | 425 |
| Loan loss allowance to noncurrent loans | 353.9216% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.3919% | 3,271 |
| Noncurrent loans to loans | 0.6073% | 2,727 |
| Net loans and leases to total assets | 63.1402% | 3,417 |
| Net loans and leases to deposits | 81.7729% | 2,614 |
| Net loans and leases to core deposits | 87.7670% | 2,650 |
| Total domestic deposits to total assets | 77.2140% | 4,840 |
| Equity capital to assets | 10.3950% | 3,175 |
| Core capital (leverage) ratio | 10.5620% | 2,879 |
| Tier 1 risk-based capital ratio | 14.6525% | 3,051 |
| Total risk-based capital ratio | 15.9098% | 2,957 |
| Memoranda: | ||
| Average total assets | $52,058,500 | 5,074 |
| Average earning assets | $48,860,500 | 5,047 |
| Average equity | $5,511,500 | 5,134 |
| Average total loans | $33,963,000 | 4,866 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2071% | 2,662 |
| Cost of funding earning assets | 0.4716% | 2,593 |
| Net interest margin | 3.7355% | 2,657 |
| Noninterest income to average assets | 0.4729% | 3,171 |
| Noninterest expense to average assets | 3.1423% | 1,739 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7662% | 3,316 |
| Return on assets (ROA) | 0.8107% | 3,154 |
| Pretax return on assets | 0.8473% | 4,103 |
| Return on Equity (ROE) | 7.4720% | 3,050 |
| Retained earnings to average equity (ytd only) | 1.0318% | 4,620 |
| Net charge-offs to loans | 0.1165% | 1,880 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 10.6410% | 2,655 |
| Efficiency ratio | 79.6867% | 1,135 |
| Assets per employee ($millions) | 4.0048% | 3,947 |
| Cash dividends to net income (ytd only)* | 86.1905% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1376% | 413 |
| Loan loss allowance to noncurrent loans | 917.5000% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 4,189 |
| Noncurrent loans to loans | 0.2330% | 3,967 |
| Net loans and leases to total assets | 64.5430% | 3,294 |
| Net loans and leases to deposits | 85.8512% | 2,279 |
| Net loans and leases to core deposits | 93.1037% | 2,276 |
| Total domestic deposits to total assets | 75.1801% | 5,073 |
| Equity capital to assets | 10.7792% | 2,863 |
| Core capital (leverage) ratio | 11.3026% | 2,095 |
| Tier 1 risk-based capital ratio | 14.9354% | 2,875 |
| Total risk-based capital ratio | 16.1922% | 2,807 |
| Memoranda: | ||
| Average total assets | $51,809,400 | 5,123 |
| Average earning assets | $48,132,600 | 5,106 |
| Average equity | $5,621,000 | 5,163 |
| Average total loans | $33,470,000 | 4,912 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2553% | 2,410 |
| Cost of funding earning assets | 0.4475% | 2,739 |
| Net interest margin | 3.8078% | 2,369 |
| Noninterest income to average assets | 0.4818% | 3,141 |
| Noninterest expense to average assets | 2.9090% | 2,370 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0537% | 2,317 |
| Return on assets (ROA) | 1.1131% | 2,091 |
| Pretax return on assets | 1.1647% | 3,043 |
| Return on Equity (ROE) | 10.2430% | 2,020 |
| Retained earnings to average equity (ytd only) | 3.9122% | 3,595 |
| Net charge-offs to loans | -0.0842% | 5,331 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5112% | 2,137 |
| Assets per employee ($millions) | 3.9719% | 4,034 |
| Cash dividends to net income (ytd only)* | 61.8049% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3978% | 302 |
| Loan loss allowance to noncurrent loans | 306.5637% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.5016% | 3,064 |
| Noncurrent loans to loans | 0.7822% | 2,408 |
| Net loans and leases to total assets | 62.5913% | 3,594 |
| Net loans and leases to deposits | 84.9182% | 2,446 |
| Net loans and leases to core deposits | 92.1163% | 2,425 |
| Total domestic deposits to total assets | 73.7078% | 5,261 |
| Equity capital to assets | 11.5232% | 2,340 |
| Core capital (leverage) ratio | 11.3932% | 2,109 |
| Tier 1 risk-based capital ratio | 15.1834% | 2,845 |
| Total risk-based capital ratio | 16.4442% | 2,771 |
| Memoranda: | ||
| Average total assets | $51,746,000 | 5,182 |
| Average earning assets | $47,970,000 | 5,164 |
| Average equity | $5,623,250 | 5,215 |
| Average total loans | $33,253,250 | 4,964 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1614% | 2,625 |
| Cost of funding earning assets | 0.4316% | 2,789 |
| Net interest margin | 3.7298% | 2,542 |
| Noninterest income to average assets | 0.4944% | 3,057 |
| Noninterest expense to average assets | 3.0048% | 2,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8899% | 2,966 |
| Return on assets (ROA) | 0.9269% | 2,829 |
| Pretax return on assets | 0.9656% | 3,702 |
| Return on Equity (ROE) | 8.7046% | 2,664 |
| Retained earnings to average equity (ytd only) | 1.3782% | 4,704 |
| Net charge-offs to loans | -0.1201% | 5,465 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4244% | 1,653 |
| Assets per employee ($millions) | 4.3104% | 3,413 |
| Cash dividends to net income (ytd only)* | 84.1667% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4395% | 300 |
| Loan loss allowance to noncurrent loans | 400.5051% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.3828% | 3,578 |
| Noncurrent loans to loans | 0.6091% | 2,901 |
| Net loans and leases to total assets | 61.3127% | 3,711 |
| Net loans and leases to deposits | 76.8210% | 3,242 |
| Net loans and leases to core deposits | 81.3388% | 3,311 |
| Total domestic deposits to total assets | 79.8125% | 4,451 |
| Equity capital to assets | 11.0623% | 2,740 |
| Core capital (leverage) ratio | 10.5316% | 2,877 |
| Tier 1 risk-based capital ratio | 14.3444% | 3,245 |
| Total risk-based capital ratio | 15.6213% | 3,155 |
| Memoranda: | ||
| Average total assets | $51,783,000 | 5,219 |
| Average earning assets | $47,724,000 | 5,200 |
| Average equity | $5,514,330 | 5,271 |
| Average total loans | $33,300,000 | 4,998 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1027% | 2,643 |
| Cost of funding earning assets | 0.4363% | 2,654 |
| Net interest margin | 3.6664% | 2,624 |
| Noninterest income to average assets | 0.4787% | 3,131 |
| Noninterest expense to average assets | 3.0958% | 1,879 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7257% | 3,590 |
| Return on assets (ROA) | 0.7257% | 3,639 |
| Pretax return on assets | 0.7566% | 4,269 |
| Return on Equity (ROE) | 6.9495% | 3,425 |
| Retained earnings to average equity (ytd only) | -4.8794% | 5,379 |
| Net charge-offs to loans | -0.1781% | 5,600 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3607% | 1,336 |
| Assets per employee ($millions) | 4.3206% | 3,470 |
| Cash dividends to net income (ytd only)* | 170.2128% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3217% | 402 |
| Loan loss allowance to noncurrent loans | 292.9368% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.5188% | 3,157 |
| Noncurrent loans to loans | 0.7926% | 2,475 |
| Net loans and leases to total assets | 63.9439% | 3,285 |
| Net loans and leases to deposits | 79.6067% | 2,800 |
| Net loans and leases to core deposits | 84.8250% | 2,826 |
| Total domestic deposits to total assets | 80.3248% | 4,557 |
| Equity capital to assets | 10.5175% | 3,163 |
| Core capital (leverage) ratio | 11.0204% | 2,345 |
| Tier 1 risk-based capital ratio | 14.2915% | 3,320 |
| Total risk-based capital ratio | 15.5513% | 3,236 |
| Memoranda: | ||
| Average total assets | $51,812,000 | 5,273 |
| Average earning assets | $47,676,500 | 5,259 |
| Average equity | $5,410,500 | 5,338 |
| Average total loans | $33,696,500 | 5,035 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0684% | 2,960 |
| Cost of funding earning assets | 0.3998% | 2,999 |
| Net interest margin | 3.6686% | 2,825 |
| Noninterest income to average assets | 0.4610% | 3,477 |
| Noninterest expense to average assets | 3.1771% | 1,848 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6756% | 3,889 |
| Return on assets (ROA) | 0.8837% | 3,028 |
| Pretax return on assets | 0.9009% | 3,850 |
| Return on Equity (ROE) | 8.0225% | 2,919 |
| Retained earnings to average equity (ytd only) | 1.7712% | 4,520 |
| Net charge-offs to loans | -0.1644% | 5,706 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1870% | 1,182 |
| Assets per employee ($millions) | 3.9828% | 3,995 |
| Cash dividends to net income (ytd only)* | 77.9221% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3108% | 390 |
| Loan loss allowance to noncurrent loans | 382.6733% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3901% | 3,709 |
| Noncurrent loans to loans | 0.6039% | 3,040 |
| Net loans and leases to total assets | 63.1149% | 3,462 |
| Net loans and leases to deposits | 80.1309% | 2,871 |
| Net loans and leases to core deposits | 85.5203% | 2,885 |
| Total domestic deposits to total assets | 78.7647% | 4,849 |
| Equity capital to assets | 10.3675% | 3,310 |
| Core capital (leverage) ratio | 11.0175% | 2,321 |
| Tier 1 risk-based capital ratio | 15.4186% | 2,782 |
| Total risk-based capital ratio | 16.6880% | 2,706 |
| Memoranda: | ||
| Average total assets | $52,280,200 | 5,303 |
| Average earning assets | $48,520,200 | 5,275 |
| Average equity | $5,758,800 | 5,321 |
| Average total loans | $32,848,600 | 5,101 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0613% | 3,002 |
| Cost of funding earning assets | 0.3923% | 3,102 |
| Net interest margin | 3.6691% | 2,831 |
| Noninterest income to average assets | 0.5190% | 3,123 |
| Noninterest expense to average assets | 3.0505% | 2,166 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8558% | 3,122 |
| Return on assets (ROA) | 1.1830% | 1,801 |
| Pretax return on assets | 1.2365% | 2,674 |
| Return on Equity (ROE) | 10.5862% | 1,835 |
| Retained earnings to average equity (ytd only) | 3.9841% | 3,473 |
| Net charge-offs to loans | -0.1631% | 5,708 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3050% | 1,793 |
| Assets per employee ($millions) | 3.8924% | 4,146 |
| Cash dividends to net income (ytd only)* | 62.3665% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2605% | 462 |
| Loan loss allowance to noncurrent loans | 368.4466% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.4071% | 3,798 |
| Noncurrent loans to loans | 0.6135% | 3,178 |
| Net loans and leases to total assets | 64.8564% | 3,290 |
| Net loans and leases to deposits | 80.1436% | 2,945 |
| Net loans and leases to core deposits | 85.4658% | 2,995 |
| Total domestic deposits to total assets | 80.9253% | 4,264 |
| Equity capital to assets | 11.7547% | 2,298 |
| Core capital (leverage) ratio | 10.6669% | 2,811 |
| Tier 1 risk-based capital ratio | 14.4949% | 3,288 |
| Total risk-based capital ratio | 15.7533% | 3,217 |
| Memoranda: | ||
| Average total assets | $52,406,000 | 5,351 |
| Average earning assets | $48,948,250 | 5,319 |
| Average equity | $5,856,500 | 5,358 |
| Average total loans | $32,697,750 | 5,161 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0037% | 3,232 |
| Cost of funding earning assets | 0.3842% | 3,218 |
| Net interest margin | 3.6195% | 3,024 |
| Noninterest income to average assets | 0.5245% | 3,038 |
| Noninterest expense to average assets | 3.0448% | 2,220 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8180% | 3,228 |
| Return on assets (ROA) | 1.0715% | 2,202 |
| Pretax return on assets | 1.1206% | 3,124 |
| Return on Equity (ROE) | 9.7494% | 2,160 |
| Retained earnings to average equity (ytd only) | 1.5105% | 4,775 |
| Net charge-offs to loans | -0.1728% | 5,782 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0464% | 1,784 |
| Assets per employee ($millions) | 4.0185% | 3,868 |
| Cash dividends to net income (ytd only)* | 84.5070% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2297% | 522 |
| Loan loss allowance to noncurrent loans | 336.4865% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.4250% | 3,802 |
| Noncurrent loans to loans | 0.6626% | 3,085 |
| Net loans and leases to total assets | 62.7017% | 3,544 |
| Net loans and leases to deposits | 76.7911% | 3,295 |
| Net loans and leases to core deposits | 81.6756% | 3,304 |
| Total domestic deposits to total assets | 81.6523% | 4,104 |
| Equity capital to assets | 11.4450% | 2,601 |
| Core capital (leverage) ratio | 10.9721% | 2,459 |
| Tier 1 risk-based capital ratio | 14.4189% | 3,365 |
| Total risk-based capital ratio | 15.6756% | 3,292 |
| Memoranda: | ||
| Average total assets | $53,007,670 | 5,401 |
| Average earning assets | $49,453,670 | 5,367 |
| Average equity | $5,826,000 | 5,419 |
| Average total loans | $32,404,670 | 5,222 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2101% | 2,432 |
| Cost of funding earning assets | 0.3783% | 3,314 |
| Net interest margin | 3.8318% | 2,171 |
| Noninterest income to average assets | 0.5020% | 3,099 |
| Noninterest expense to average assets | 2.8544% | 2,868 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1639% | 1,663 |
| Return on assets (ROA) | 1.4085% | 1,081 |
| Pretax return on assets | 1.4684% | 1,690 |
| Return on Equity (ROE) | 13.0794% | 1,023 |
| Retained earnings to average equity (ytd only) | 1.9480% | 4,475 |
| Net charge-offs to loans | -0.1884% | 5,832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5654% | 5,537 |
| Assets per employee ($millions) | 4.3039% | 3,405 |
| Cash dividends to net income (ytd only)* | 85.1064% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3156% | 501 |
| Loan loss allowance to noncurrent loans | 346.2264% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 3,856 |
| Noncurrent loans to loans | 0.6688% | 3,168 |
| Net loans and leases to total assets | 59.9531% | 3,781 |
| Net loans and leases to deposits | 71.8889% | 3,660 |
| Net loans and leases to core deposits | 76.3958% | 3,644 |
| Total domestic deposits to total assets | 83.3969% | 3,753 |
| Equity capital to assets | 11.2436% | 2,689 |
| Core capital (leverage) ratio | 10.7367% | 2,686 |
| Tier 1 risk-based capital ratio | 15.5222% | 2,901 |
| Total risk-based capital ratio | 16.7816% | 2,833 |
| Memoranda: | ||
| Average total assets | $53,391,000 | 5,441 |
| Average earning assets | $49,690,000 | 5,410 |
| Average equity | $5,749,500 | 5,462 |
| Average total loans | $31,855,500 | 5,274 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8729% | 3,795 |
| Cost of funding earning assets | 0.3997% | 3,166 |
| Net interest margin | 3.4732% | 3,624 |
| Noninterest income to average assets | 0.4961% | 3,357 |
| Noninterest expense to average assets | 3.0928% | 2,262 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6295% | 4,142 |
| Return on assets (ROA) | 0.6824% | 3,992 |
| Pretax return on assets | 0.7128% | 4,495 |
| Return on Equity (ROE) | 6.3804% | 3,853 |
| Retained earnings to average equity (ytd only) | 0.1600% | 5,441 |
| Net charge-offs to loans | 0.0936% | 2,492 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 12.3571% | 2,473 |
| Efficiency ratio | 82.4633% | 1,347 |
| Assets per employee ($millions) | 4.5946% | 2,885 |
| Cash dividends to net income (ytd only)* | 97.4930% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2460% | 555 |
| Loan loss allowance to noncurrent loans | 303.3755% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.4498% | 3,814 |
| Noncurrent loans to loans | 0.7403% | 2,956 |
| Net loans and leases to total assets | 56.7589% | 4,226 |
| Net loans and leases to deposits | 67.0179% | 4,220 |
| Net loans and leases to core deposits | 70.9020% | 4,225 |
| Total domestic deposits to total assets | 84.6921% | 3,209 |
| Equity capital to assets | 10.3238% | 3,598 |
| Core capital (leverage) ratio | 10.5827% | 2,841 |
| Tier 1 risk-based capital ratio | 15.3399% | 3,020 |
| Total risk-based capital ratio | 16.6007% | 2,953 |
| Memoranda: | ||
| Average total assets | $52,606,800 | 5,492 |
| Average earning assets | $49,291,200 | 5,453 |
| Average equity | $5,626,600 | 5,520 |
| Average total loans | $29,917,400 | 5,363 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8735% | 3,838 |
| Cost of funding earning assets | 0.4113% | 3,108 |
| Net interest margin | 3.4621% | 3,713 |
| Noninterest income to average assets | 0.5310% | 3,161 |
| Noninterest expense to average assets | 2.9911% | 2,552 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7644% | 3,617 |
| Return on assets (ROA) | 0.8235% | 3,394 |
| Pretax return on assets | 0.8619% | 4,129 |
| Return on Equity (ROE) | 7.6287% | 3,268 |
| Retained earnings to average equity (ytd only) | 0.7367% | 5,394 |
| Net charge-offs to loans | 0.0862% | 2,316 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 16.4228% | 2,116 |
| Efficiency ratio | 78.8904% | 1,824 |
| Assets per employee ($millions) | 4.2171% | 3,486 |
| Cash dividends to net income (ytd only)* | 90.3432% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4610% | 457 |
| Loan loss allowance to noncurrent loans | 242.6667% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.6146% | 3,431 |
| Noncurrent loans to loans | 1.0142% | 2,449 |
| Net loans and leases to total assets | 57.0161% | 4,243 |
| Net loans and leases to deposits | 70.0605% | 3,979 |
| Net loans and leases to core deposits | 73.6779% | 4,047 |
| Total domestic deposits to total assets | 81.3813% | 4,367 |
| Equity capital to assets | 11.3309% | 2,666 |
| Core capital (leverage) ratio | 10.8147% | 2,697 |
| Tier 1 risk-based capital ratio | 16.6725% | 2,491 |
| Total risk-based capital ratio | 17.9323% | 2,443 |
| Memoranda: | ||
| Average total assets | $51,974,750 | 5,577 |
| Average earning assets | $48,947,250 | 5,530 |
| Average equity | $5,610,250 | 5,589 |
| Average total loans | $29,393,500 | 5,446 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8356% | 3,936 |
| Cost of funding earning assets | 0.4266% | 2,968 |
| Net interest margin | 3.4090% | 3,880 |
| Noninterest income to average assets | 0.5340% | 3,145 |
| Noninterest expense to average assets | 2.9906% | 2,580 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7124% | 3,833 |
| Return on assets (ROA) | 0.7820% | 3,583 |
| Pretax return on assets | 0.8163% | 4,269 |
| Return on Equity (ROE) | 7.3622% | 3,397 |
| Retained earnings to average equity (ytd only) | -1.2570% | 5,731 |
| Net charge-offs to loans | 0.2523% | 1,029 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 5.2703% | 2,940 |
| Efficiency ratio | 80.0817% | 1,747 |
| Assets per employee ($millions) | 4.4350% | 3,089 |
| Cash dividends to net income (ytd only)* | 117.0732% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3923% | 557 |
| Loan loss allowance to noncurrent loans | 546.1538% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.3401% | 4,519 |
| Noncurrent loans to loans | 0.4380% | 4,169 |
| Net loans and leases to total assets | 54.4325% | 4,512 |
| Net loans and leases to deposits | 64.9471% | 4,446 |
| Net loans and leases to core deposits | 69.1153% | 4,403 |
| Total domestic deposits to total assets | 83.8106% | 3,647 |
| Equity capital to assets | 10.2912% | 3,699 |
| Core capital (leverage) ratio | 10.1768% | 3,367 |
| Tier 1 risk-based capital ratio | 68.1313% | 78 |
| Total risk-based capital ratio | 69.4670% | 77 |
| Memoranda: | ||
| Average total assets | $52,431,330 | 5,629 |
| Average earning assets | $49,223,330 | 5,580 |
| Average equity | $5,569,000 | 5,647 |
| Average total loans | $29,331,000 | 5,500 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8346% | 3,877 |
| Cost of funding earning assets | 0.4270% | 2,997 |
| Net interest margin | 3.4076% | 3,815 |
| Noninterest income to average assets | 0.4766% | 3,454 |
| Noninterest expense to average assets | 2.8979% | 2,914 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7318% | 3,637 |
| Return on assets (ROA) | 0.7610% | 3,616 |
| Pretax return on assets | 0.7994% | 4,243 |
| Return on Equity (ROE) | 7.0525% | 3,481 |
| Retained earnings to average equity (ytd only) | -6.4826% | 6,015 |
| Net charge-offs to loans | 0.1783% | 1,216 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 7.6923% | 2,147 |
| Efficiency ratio | 79.0356% | 2,034 |
| Assets per employee ($millions) | 4.3548% | 3,280 |
| Cash dividends to net income (ytd only)* | 191.9192% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4989% | 529 |
| Loan loss allowance to noncurrent loans | 292.4303% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.4803% | 4,108 |
| Noncurrent loans to loans | 0.8545% | 3,110 |
| Net loans and leases to total assets | 54.8031% | 4,341 |
| Net loans and leases to deposits | 65.2994% | 4,230 |
| Net loans and leases to core deposits | 69.5611% | 4,197 |
| Total domestic deposits to total assets | 83.9259% | 3,844 |
| Equity capital to assets | 10.7524% | 3,257 |
| Core capital (leverage) ratio | 10.6386% | 2,809 |
| Tier 1 risk-based capital ratio | 13.2240% | 4,481 |
| Total risk-based capital ratio | 14.4797% | 4,396 |
| Memoranda: | ||
| Average total assets | $52,037,000 | 5,685 |
| Average earning assets | $48,714,500 | 5,642 |
| Average equity | $5,615,000 | 5,698 |
| Average total loans | $29,157,000 | 5,555 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9217% | 4,051 |
| Cost of funding earning assets | 0.4421% | 3,253 |
| Net interest margin | 3.4797% | 3,871 |
| Noninterest income to average assets | 0.3818% | 4,330 |
| Noninterest expense to average assets | 3.0618% | 2,648 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5532% | 4,587 |
| Return on assets (ROA) | 0.6116% | 4,419 |
| Pretax return on assets | 0.6401% | 4,812 |
| Return on Equity (ROE) | 6.0180% | 4,140 |
| Retained earnings to average equity (ytd only) | 3.2146% | 3,946 |
| Net charge-offs to loans | -0.0173% | 5,670 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0897% | 1,401 |
| Assets per employee ($millions) | 4.3180% | 3,333 |
| Cash dividends to net income (ytd only)* | 46.5839% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5811% | 495 |
| Loan loss allowance to noncurrent loans | 444.6429% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.3242% | 4,747 |
| Noncurrent loans to loans | 0.5805% | 3,926 |
| Net loans and leases to total assets | 54.4118% | 4,529 |
| Net loans and leases to deposits | 63.8769% | 4,538 |
| Net loans and leases to core deposits | 67.4982% | 4,555 |
| Total domestic deposits to total assets | 85.1822% | 3,213 |
| Equity capital to assets | 10.8287% | 3,087 |
| Core capital (leverage) ratio | 10.7888% | 2,626 |
| Tier 1 risk-based capital ratio | 14.9819% | 3,495 |
| Total risk-based capital ratio | 16.2418% | 3,427 |
| Memoranda: | ||
| Average total assets | $52,649,200 | 5,729 |
| Average earning assets | $49,315,200 | 5,696 |
| Average equity | $5,350,600 | 5,778 |
| Average total loans | $28,927,200 | 5,606 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9785% | 3,841 |
| Cost of funding earning assets | 0.4415% | 3,354 |
| Net interest margin | 3.5371% | 3,687 |
| Noninterest income to average assets | 0.3632% | 4,521 |
| Noninterest expense to average assets | 2.8781% | 3,203 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7641% | 3,603 |
| Return on assets (ROA) | 0.8198% | 3,433 |
| Pretax return on assets | 0.8576% | 4,154 |
| Return on Equity (ROE) | 8.1983% | 3,096 |
| Retained earnings to average equity (ytd only) | 4.4145% | 3,510 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2579% | 2,148 |
| Assets per employee ($millions) | 4.4164% | 3,111 |
| Cash dividends to net income (ytd only)* | 46.1553% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5164% | 636 |
| Loan loss allowance to noncurrent loans | 416.8539% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.3359% | 4,927 |
| Noncurrent loans to loans | 0.6037% | 4,123 |
| Net loans and leases to total assets | 54.2389% | 4,549 |
| Net loans and leases to deposits | 66.1702% | 4,308 |
| Net loans and leases to core deposits | 69.5500% | 4,367 |
| Total domestic deposits to total assets | 81.9688% | 4,486 |
| Equity capital to assets | 10.7950% | 3,187 |
| Core capital (leverage) ratio | 10.6214% | 2,902 |
| Tier 1 risk-based capital ratio | 14.2397% | 4,059 |
| Total risk-based capital ratio | 15.4970% | 3,977 |
| Memoranda: | ||
| Average total assets | $52,857,500 | 5,786 |
| Average earning assets | $49,531,500 | 5,753 |
| Average equity | $5,285,500 | 5,852 |
| Average total loans | $28,923,750 | 5,668 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0442% | 3,572 |
| Cost of funding earning assets | 0.4430% | 3,408 |
| Net interest margin | 3.6012% | 3,353 |
| Noninterest income to average assets | 0.3522% | 4,608 |
| Noninterest expense to average assets | 3.0259% | 2,741 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6521% | 4,085 |
| Return on assets (ROA) | 0.6703% | 4,089 |
| Pretax return on assets | 0.7006% | 4,637 |
| Return on Equity (ROE) | 6.8867% | 3,681 |
| Retained earnings to average equity (ytd only) | 1.0505% | 5,338 |
| Net charge-offs to loans | -0.2506% | 6,398 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3248% | 5,516 |
| Assets per employee ($millions) | 4.4553% | 2,998 |
| Cash dividends to net income (ytd only)* | 84.7458% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6920% | 541 |
| Loan loss allowance to noncurrent loans | 381.3725% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.5275% | 4,419 |
| Noncurrent loans to loans | 0.7059% | 3,942 |
| Net loans and leases to total assets | 52.5999% | 4,685 |
| Net loans and leases to deposits | 61.2106% | 4,758 |
| Net loans and leases to core deposits | 63.7066% | 4,839 |
| Total domestic deposits to total assets | 85.9326% | 3,072 |
| Equity capital to assets | 10.1358% | 3,925 |
| Core capital (leverage) ratio | 10.2992% | 3,215 |
| Tier 1 risk-based capital ratio | 15.9319% | 3,131 |
| Total risk-based capital ratio | 17.1944% | 3,059 |
| Memoranda: | ||
| Average total assets | $52,811,000 | 5,836 |
| Average earning assets | $49,206,330 | 5,806 |
| Average equity | $5,140,330 | 5,926 |
| Average total loans | $28,736,000 | 5,713 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0529% | 3,456 |
| Cost of funding earning assets | 0.4421% | 3,515 |
| Net interest margin | 3.6107% | 3,209 |
| Noninterest income to average assets | 0.2744% | 5,180 |
| Noninterest expense to average assets | 3.0180% | 2,804 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5887% | 4,242 |
| Return on assets (ROA) | 0.6249% | 4,154 |
| Pretax return on assets | 0.6554% | 4,646 |
| Return on Equity (ROE) | 6.5587% | 3,710 |
| Retained earnings to average equity (ytd only) | -5.4389% | 6,150 |
| Net charge-offs to loans | -0.4327% | 6,533 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0189% | 1,797 |
| Assets per employee ($millions) | 4.1345% | 3,650 |
| Cash dividends to net income (ytd only)* | 182.9268% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7036% | 622 |
| Loan loss allowance to noncurrent loans | 454.1176% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.4521% | 4,780 |
| Noncurrent loans to loans | 0.5953% | 4,372 |
| Net loans and leases to total assets | 51.6903% | 4,705 |
| Net loans and leases to deposits | 59.6330% | 4,800 |
| Net loans and leases to core deposits | 62.0295% | 4,879 |
| Total domestic deposits to total assets | 86.6807% | 3,003 |
| Equity capital to assets | 9.5202% | 4,474 |
| Core capital (leverage) ratio | 10.0598% | 3,486 |
| Tier 1 risk-based capital ratio | 15.8461% | 3,249 |
| Total risk-based capital ratio | 17.1091% | 3,204 |
| Memoranda: | ||
| Average total assets | $52,484,500 | 5,903 |
| Average earning assets | $48,854,500 | 5,872 |
| Average equity | $5,001,000 | 5,997 |
| Average total loans | $28,654,000 | 5,770 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1243% | 3,647 |
| Cost of funding earning assets | 0.4969% | 3,645 |
| Net interest margin | 3.6274% | 3,344 |
| Noninterest income to average assets | 0.4933% | 3,802 |
| Noninterest expense to average assets | 3.0445% | 2,916 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7985% | 3,295 |
| Return on assets (ROA) | 0.7985% | 3,396 |
| Pretax return on assets | 0.7985% | 4,145 |
| Return on Equity (ROE) | 7.6962% | 3,198 |
| Retained earnings to average equity (ytd only) | 3.4097% | 3,809 |
| Net charge-offs to loans | 0.1892% | 2,947 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 7.7451% | 2,789 |
| Efficiency ratio | 79.2215% | 2,281 |
| Assets per employee ($millions) | 3.9400% | 3,985 |
| Cash dividends to net income (ytd only)* | 55.6962% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5806% | 741 |
| Loan loss allowance to noncurrent loans | 191.7313% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.9762% | 3,467 |
| Noncurrent loans to loans | 1.3459% | 2,887 |
| Net loans and leases to total assets | 54.6876% | 4,503 |
| Net loans and leases to deposits | 64.5355% | 4,457 |
| Net loans and leases to core deposits | 67.3115% | 4,583 |
| Total domestic deposits to total assets | 84.7403% | 3,876 |
| Equity capital to assets | 9.5373% | 4,368 |
| Core capital (leverage) ratio | 10.9082% | 2,468 |
| Tier 1 risk-based capital ratio | 16.7721% | 2,730 |
| Total risk-based capital ratio | 18.0343% | 2,676 |
| Memoranda: | ||
| Average total assets | $49,466,800 | 6,026 |
| Average earning assets | $45,680,200 | 6,005 |
| Average equity | $5,132,400 | 6,036 |
| Average total loans | $26,953,600 | 5,892 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0897% | 3,806 |
| Cost of funding earning assets | 0.5094% | 3,682 |
| Net interest margin | 3.5803% | 3,533 |
| Noninterest income to average assets | 0.5221% | 3,656 |
| Noninterest expense to average assets | 2.9832% | 3,046 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8458% | 3,120 |
| Return on assets (ROA) | 0.8458% | 3,236 |
| Pretax return on assets | 0.8458% | 4,116 |
| Return on Equity (ROE) | 7.9831% | 3,130 |
| Retained earnings to average equity (ytd only) | 4.9027% | 3,150 |
| Net charge-offs to loans | 0.1107% | 3,432 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 14.1377% | 1,967 |
| Efficiency ratio | 77.9119% | 2,438 |
| Assets per employee ($millions) | 3.8040% | 4,231 |
| Cash dividends to net income (ytd only)* | 38.5858% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9792% | 564 |
| Loan loss allowance to noncurrent loans | 275.3571% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.9019% | 3,880 |
| Noncurrent loans to loans | 1.0820% | 3,632 |
| Net loans and leases to total assets | 50.7725% | 5,035 |
| Net loans and leases to deposits | 61.2077% | 4,848 |
| Net loans and leases to core deposits | 64.4423% | 4,856 |
| Total domestic deposits to total assets | 82.9511% | 4,593 |
| Equity capital to assets | 10.1128% | 3,752 |
| Core capital (leverage) ratio | 11.1747% | 2,326 |
| Tier 1 risk-based capital ratio | 18.1728% | 2,261 |
| Total risk-based capital ratio | 19.4374% | 2,218 |
| Memoranda: | ||
| Average total assets | $49,028,500 | 6,104 |
| Average earning assets | $45,283,250 | 6,078 |
| Average equity | $5,194,250 | 6,091 |
| Average total loans | $26,503,750 | 5,971 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0430% | 3,949 |
| Cost of funding earning assets | 0.5158% | 3,742 |
| Net interest margin | 3.5272% | 3,667 |
| Noninterest income to average assets | 0.5237% | 3,680 |
| Noninterest expense to average assets | 3.0274% | 2,915 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7691% | 3,470 |
| Return on assets (ROA) | 0.7691% | 3,629 |
| Pretax return on assets | 0.7691% | 4,430 |
| Return on Equity (ROE) | 7.1501% | 3,516 |
| Retained earnings to average equity (ytd only) | 2.5862% | 4,658 |
| Net charge-offs to loans | 0.2171% | 2,453 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.4828% | 2,709 |
| Efficiency ratio | 79.7414% | 2,196 |
| Assets per employee ($millions) | 3.6855% | 4,427 |
| Cash dividends to net income (ytd only)* | 63.8298% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9293% | 632 |
| Loan loss allowance to noncurrent loans | 209.3151% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 1.0039% | 3,746 |
| Noncurrent loans to loans | 1.3995% | 3,198 |
| Net loans and leases to total assets | 52.8406% | 4,762 |
| Net loans and leases to deposits | 61.6691% | 4,783 |
| Net loans and leases to core deposits | 64.9054% | 4,800 |
| Total domestic deposits to total assets | 85.6842% | 3,540 |
| Equity capital to assets | 10.0935% | 3,800 |
| Core capital (leverage) ratio | 10.9470% | 2,414 |
| Tier 1 risk-based capital ratio | 17.9283% | 2,335 |
| Total risk-based capital ratio | 19.1944% | 2,301 |
| Memoranda: | ||
| Average total assets | $48,887,330 | 6,150 |
| Average earning assets | $45,362,330 | 6,123 |
| Average equity | $5,258,670 | 6,109 |
| Average total loans | $26,712,000 | 5,990 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0181% | 4,044 |
| Cost of funding earning assets | 0.5165% | 3,908 |
| Net interest margin | 3.5016% | 3,689 |
| Noninterest income to average assets | 0.5347% | 3,534 |
| Noninterest expense to average assets | 2.9327% | 3,219 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8425% | 2,936 |
| Return on assets (ROA) | 0.8425% | 3,078 |
| Pretax return on assets | 0.8425% | 3,989 |
| Return on Equity (ROE) | 7.6051% | 3,159 |
| Retained earnings to average equity (ytd only) | -1.1700% | 5,973 |
| Net charge-offs to loans | -0.2072% | 6,686 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6824% | 2,664 |
| Assets per employee ($millions) | 3.7028% | 4,550 |
| Cash dividends to net income (ytd only)* | 115.3846% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0222% | 648 |
| Loan loss allowance to noncurrent loans | 204.8223% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 1.0616% | 3,810 |
| Noncurrent loans to loans | 1.4755% | 3,348 |
| Net loans and leases to total assets | 53.7944% | 4,449 |
| Net loans and leases to deposits | 63.6163% | 4,363 |
| Net loans and leases to core deposits | 66.9866% | 4,416 |
| Total domestic deposits to total assets | 84.5607% | 4,245 |
| Equity capital to assets | 11.2533% | 2,672 |
| Core capital (leverage) ratio | 10.6038% | 2,648 |
| Tier 1 risk-based capital ratio | 17.3912% | 2,607 |
| Total risk-based capital ratio | 18.6585% | 2,561 |
| Memoranda: | ||
| Average total assets | $49,375,000 | 6,198 |
| Average earning assets | $45,693,500 | 6,170 |
| Average equity | $5,470,000 | 6,111 |
| Average total loans | $27,027,500 | 6,025 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4339% | 3,688 |
| Cost of funding earning assets | 0.6314% | 4,087 |
| Net interest margin | 3.8025% | 3,215 |
| Noninterest income to average assets | 0.4936% | 3,941 |
| Noninterest expense to average assets | 3.4853% | 1,848 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5130% | 4,630 |
| Return on assets (ROA) | 0.5130% | 4,899 |
| Pretax return on assets | 0.5130% | 5,243 |
| Return on Equity (ROE) | 4.3675% | 4,988 |
| Retained earnings to average equity (ytd only) | 2.8994% | 4,194 |
| Net charge-offs to loans | 0.9542% | 1,160 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.8981% | 5,027 |
| Efficiency ratio | 87.1698% | 1,312 |
| Assets per employee ($millions) | 3.8933% | 4,162 |
| Cash dividends to net income (ytd only)* | 33.6134% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8991% | 737 |
| Loan loss allowance to noncurrent loans | 193.4146% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.8575% | 4,332 |
| Noncurrent loans to loans | 1.4989% | 3,356 |
| Net loans and leases to total assets | 52.4766% | 4,851 |
| Net loans and leases to deposits | 61.6671% | 4,820 |
| Net loans and leases to core deposits | 64.7268% | 4,874 |
| Total domestic deposits to total assets | 85.0967% | 3,818 |
| Equity capital to assets | 10.9122% | 3,056 |
| Core capital (leverage) ratio | 11.0538% | 2,213 |
| Tier 1 risk-based capital ratio | 17.3491% | 2,503 |
| Total risk-based capital ratio | 18.6161% | 2,473 |
| Memoranda: | ||
| Average total assets | $46,395,200 | 6,315 |
| Average earning assets | $42,761,400 | 6,282 |
| Average equity | $5,449,400 | 6,165 |
| Average total loans | $27,772,200 | 6,046 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5765% | 3,300 |
| Cost of funding earning assets | 0.6647% | 4,067 |
| Net interest margin | 3.9118% | 2,874 |
| Noninterest income to average assets | 0.5058% | 3,888 |
| Noninterest expense to average assets | 3.2788% | 2,330 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8087% | 3,406 |
| Return on assets (ROA) | 0.8087% | 3,648 |
| Pretax return on assets | 0.8440% | 4,326 |
| Return on Equity (ROE) | 6.7512% | 3,933 |
| Retained earnings to average equity (ytd only) | 4.7871% | 3,524 |
| Net charge-offs to loans | 1.2387% | 778 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.1081% | 4,744 |
| Efficiency ratio | 79.5292% | 2,165 |
| Assets per employee ($millions) | 3.4909% | 4,995 |
| Cash dividends to net income (ytd only)* | 29.0896% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0902% | 660 |
| Loan loss allowance to noncurrent loans | 242.1212% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 1.0114% | 4,261 |
| Noncurrent loans to loans | 1.2763% | 3,912 |
| Net loans and leases to total assets | 55.2135% | 4,569 |
| Net loans and leases to deposits | 66.1746% | 4,450 |
| Net loans and leases to core deposits | 69.9760% | 4,501 |
| Total domestic deposits to total assets | 83.4362% | 4,465 |
| Equity capital to assets | 12.3970% | 1,966 |
| Core capital (leverage) ratio | 11.3706% | 2,075 |
| Tier 1 risk-based capital ratio | 18.8781% | 2,049 |
| Total risk-based capital ratio | 20.1470% | 2,006 |
| Memoranda: | ||
| Average total assets | $45,340,750 | 6,414 |
| Average earning assets | $41,923,750 | 6,378 |
| Average equity | $5,431,000 | 6,235 |
| Average total loans | $27,877,000 | 6,117 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5826% | 3,438 |
| Cost of funding earning assets | 0.6888% | 4,105 |
| Net interest margin | 3.8938% | 2,935 |
| Noninterest income to average assets | 0.3309% | 5,182 |
| Noninterest expense to average assets | 3.3711% | 2,098 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5295% | 4,680 |
| Return on assets (ROA) | 0.5295% | 4,958 |
| Pretax return on assets | 0.5515% | 5,305 |
| Return on Equity (ROE) | 4.4726% | 5,048 |
| Retained earnings to average equity (ytd only) | 1.4909% | 5,456 |
| Net charge-offs to loans | 1.8844% | 465 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.4647% | 4,845 |
| Efficiency ratio | 85.9393% | 1,442 |
| Assets per employee ($millions) | 3.6194% | 4,716 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0096% | 776 |
| Loan loss allowance to noncurrent loans | 240.5488% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 1.5812% | 3,344 |
| Noncurrent loans to loans | 1.2511% | 4,046 |
| Net loans and leases to total assets | 54.0402% | 4,794 |
| Net loans and leases to deposits | 63.9383% | 4,770 |
| Net loans and leases to core deposits | 70.4700% | 4,475 |
| Total domestic deposits to total assets | 84.5193% | 4,091 |
| Equity capital to assets | 11.4427% | 2,644 |
| Core capital (leverage) ratio | 10.9808% | 2,315 |
| Tier 1 risk-based capital ratio | 17.6060% | 2,436 |
| Total risk-based capital ratio | 18.8735% | 2,398 |
| Memoranda: | ||
| Average total assets | $45,327,000 | 6,457 |
| Average earning assets | $41,810,000 | 6,415 |
| Average equity | $5,366,000 | 6,281 |
| Average total loans | $28,550,670 | 6,133 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8710% | 2,350 |
| Cost of funding earning assets | 0.7155% | 4,149 |
| Net interest margin | 4.1555% | 1,917 |
| Noninterest income to average assets | 0.4948% | 3,942 |
| Noninterest expense to average assets | 3.3105% | 2,254 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9626% | 2,630 |
| Return on assets (ROA) | 0.9626% | 2,827 |
| Pretax return on assets | 0.9985% | 3,683 |
| Return on Equity (ROE) | 7.9895% | 3,285 |
| Retained earnings to average equity (ytd only) | 2.0161% | 5,257 |
| Net charge-offs to loans | -0.2288% | 7,021 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8267% | 2,672 |
| Assets per employee ($millions) | 3.4845% | 5,150 |
| Cash dividends to net income (ytd only)* | 74.7664% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7269% | 455 |
| Loan loss allowance to noncurrent loans | 228.2378% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 1.4835% | 3,642 |
| Noncurrent loans to loans | 1.6329% | 3,658 |
| Net loans and leases to total assets | 61.3016% | 3,392 |
| Net loans and leases to deposits | 71.8139% | 3,458 |
| Net loans and leases to core deposits | 80.4782% | 3,013 |
| Total domestic deposits to total assets | 85.3617% | 3,851 |
| Equity capital to assets | 11.8546% | 2,143 |
| Core capital (leverage) ratio | 11.4168% | 1,950 |
| Tier 1 risk-based capital ratio | 17.7933% | 2,363 |
| Total risk-based capital ratio | 19.0738% | 2,330 |
| Memoranda: | ||
| Average total assets | $44,464,500 | 6,524 |
| Average earning assets | $40,813,000 | 6,497 |
| Average equity | $5,357,000 | 6,318 |
| Average total loans | $29,718,000 | 6,128 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9480% | 3,113 |
| Cost of funding earning assets | 0.7901% | 4,939 |
| Net interest margin | 4.1579% | 2,204 |
| Noninterest income to average assets | 0.4691% | 4,063 |
| Noninterest expense to average assets | 3.6798% | 1,575 |
| Loan and lease loss provision to assets | 0.2779% | 3,440 |
| Net operating income to assets | 0.2914% | 5,283 |
| Return on assets (ROA) | 0.2935% | 5,432 |
| Pretax return on assets | 0.3046% | 5,547 |
| Return on Equity (ROE) | 2.5337% | 5,467 |
| Retained earnings to average equity (ytd only) | 2.5337% | 4,425 |
| Net charge-offs to loans | 0.0431% | 5,875 |
| Credit loss provision to net charge-offs | 961.5385% | 238 |
| Earnings coverage of net charge-offs (x) | 20.0769% | 1,147 |
| Efficiency ratio | 86.3779% | 1,508 |
| Assets per employee ($millions) | 3.3562% | 5,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4584% | 550 |
| Loan loss allowance to noncurrent loans | 133.9241% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 2.0674% | 2,884 |
| Noncurrent loans to loans | 2.5824% | 2,536 |
| Net loans and leases to total assets | 67.6920% | 2,458 |
| Net loans and leases to deposits | 81.4843% | 2,272 |
| Net loans and leases to core deposits | 90.6034% | 2,037 |
| Total domestic deposits to total assets | 83.0736% | 4,720 |
| Equity capital to assets | 12.2485% | 1,938 |
| Core capital (leverage) ratio | 11.3950% | 1,975 |
| Tier 1 risk-based capital ratio | 17.3528% | 2,437 |
| Total risk-based capital ratio | 18.6320% | 2,398 |
| Memoranda: | ||
| Average total assets | $44,975,000 | 6,511 |
| Average earning assets | $41,006,400 | 6,492 |
| Average equity | $5,209,800 | 6,382 |
| Average total loans | $30,181,000 | 6,149 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9820% | 3,179 |
| Cost of funding earning assets | 0.8152% | 5,045 |
| Net interest margin | 4.1668% | 2,217 |
| Noninterest income to average assets | 0.4620% | 4,205 |
| Noninterest expense to average assets | 3.4369% | 2,105 |
| Loan and lease loss provision to assets | 0.3678% | 2,653 |
| Net operating income to assets | 0.4297% | 4,858 |
| Return on assets (ROA) | 0.4326% | 5,043 |
| Pretax return on assets | 0.4502% | 5,315 |
| Return on Equity (ROE) | 3.7865% | 5,084 |
| Retained earnings to average equity (ytd only) | 3.7865% | 4,043 |
| Net charge-offs to loans | 0.1729% | 4,418 |
| Credit loss provision to net charge-offs | 320.5128% | 880 |
| Earnings coverage of net charge-offs (x) | 7.1023% | 2,421 |
| Efficiency ratio | 80.8304% | 2,138 |
| Assets per employee ($millions) | 3.4253% | 5,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5939% | 524 |
| Loan loss allowance to noncurrent loans | 161.7555% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 1.6034% | 3,678 |
| Noncurrent loans to loans | 2.2218% | 3,082 |
| Net loans and leases to total assets | 62.1685% | 3,683 |
| Net loans and leases to deposits | 73.0538% | 3,802 |
| Net loans and leases to core deposits | 81.4757% | 3,410 |
| Total domestic deposits to total assets | 85.0996% | 3,724 |
| Equity capital to assets | 11.9787% | 2,266 |
| Core capital (leverage) ratio | 10.9671% | 2,421 |
| Tier 1 risk-based capital ratio | 18.2434% | 2,176 |
| Total risk-based capital ratio | 19.5243% | 2,124 |
| Memoranda: | ||
| Average total assets | $45,311,250 | 6,554 |
| Average earning assets | $41,213,750 | 6,535 |
| Average equity | $5,176,250 | 6,447 |
| Average total loans | $30,078,250 | 6,213 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9783% | 3,262 |
| Cost of funding earning assets | 0.8209% | 5,235 |
| Net interest margin | 4.1574% | 2,199 |
| Noninterest income to average assets | 0.4564% | 4,234 |
| Noninterest expense to average assets | 3.4363% | 2,166 |
| Loan and lease loss provision to assets | 0.5486% | 1,768 |
| Net operating income to assets | 0.2633% | 5,502 |
| Return on assets (ROA) | 0.2633% | 5,628 |
| Pretax return on assets | 0.2721% | 5,739 |
| Return on Equity (ROE) | 2.3421% | 5,661 |
| Retained earnings to average equity (ytd only) | 2.3421% | 4,794 |
| Net charge-offs to loans | 0.3603% | 3,116 |
| Credit loss provision to net charge-offs | 227.2727% | 1,320 |
| Earnings coverage of net charge-offs (x) | 3.4000% | 3,186 |
| Efficiency ratio | 80.7216% | 2,278 |
| Assets per employee ($millions) | 3.6235% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5984% | 562 |
| Loan loss allowance to noncurrent loans | 151.4158% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 1.5073% | 3,940 |
| Noncurrent loans to loans | 2.3765% | 3,012 |
| Net loans and leases to total assets | 57.7837% | 4,671 |
| Net loans and leases to deposits | 67.2157% | 4,824 |
| Net loans and leases to core deposits | 74.9897% | 4,440 |
| Total domestic deposits to total assets | 85.9675% | 3,344 |
| Equity capital to assets | 10.9861% | 2,970 |
| Core capital (leverage) ratio | 10.8890% | 2,345 |
| Tier 1 risk-based capital ratio | 18.0152% | 2,169 |
| Total risk-based capital ratio | 19.2947% | 2,113 |
| Memoranda: | ||
| Average total assets | $45,572,000 | 6,608 |
| Average earning assets | $41,661,000 | 6,578 |
| Average equity | $5,123,670 | 6,496 |
| Average total loans | $30,532,670 | 6,255 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2678% | 1,985 |
| Cost of funding earning assets | 0.8697% | 5,138 |
| Net interest margin | 4.3981% | 1,284 |
| Noninterest income to average assets | 0.4821% | 4,032 |
| Noninterest expense to average assets | 3.5353% | 1,921 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8838% | 2,642 |
| Return on assets (ROA) | 0.8838% | 2,710 |
| Pretax return on assets | 0.9195% | 3,427 |
| Return on Equity (ROE) | 7.7678% | 3,021 |
| Retained earnings to average equity (ytd only) | 7.7678% | 1,822 |
| Net charge-offs to loans | -0.2525% | 7,307 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3587% | 2,638 |
| Assets per employee ($millions) | 3.4946% | 5,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0976% | 837 |
| Loan loss allowance to noncurrent loans | 140.8163% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 1.6861% | 3,721 |
| Noncurrent loans to loans | 2.1998% | 3,321 |
| Net loans and leases to total assets | 66.5177% | 2,878 |
| Net loans and leases to deposits | 77.6638% | 3,122 |
| Net loans and leases to core deposits | 87.7108% | 2,639 |
| Total domestic deposits to total assets | 85.6483% | 3,711 |
| Equity capital to assets | 11.3669% | 2,367 |
| Core capital (leverage) ratio | 11.1668% | 2,056 |
| Tier 1 risk-based capital ratio | 17.1144% | 2,431 |
| Total risk-based capital ratio | 18.3875% | 2,397 |
| Memoranda: | ||
| Average total assets | $44,805,500 | 6,675 |
| Average earning assets | $40,472,000 | 6,670 |
| Average equity | $5,098,000 | 6,523 |
| Average total loans | $31,681,500 | 6,259 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7847% | 1,313 |
| Cost of funding earning assets | 1.0536% | 5,409 |
| Net interest margin | 4.7311% | 762 |
| Noninterest income to average assets | 0.4894% | 4,251 |
| Noninterest expense to average assets | 3.6763% | 1,759 |
| Loan and lease loss provision to assets | 1.2314% | 1,262 |
| Net operating income to assets | -0.1849% | 6,101 |
| Return on assets (ROA) | -0.1849% | 6,151 |
| Pretax return on assets | -0.1849% | 6,072 |
| Return on Equity (ROE) | -1.5925% | 6,128 |
| Retained earnings to average equity (ytd only) | -1.5925% | 5,902 |
| Net charge-offs to loans | 1.4783% | 1,486 |
| Credit loss provision to net charge-offs | 112.3457% | 3,887 |
| Earnings coverage of net charge-offs (x) | 0.9547% | 5,156 |
| Efficiency ratio | 77.8415% | 2,731 |
| Assets per employee ($millions) | 3.3985% | 5,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9399% | 916 |
| Loan loss allowance to noncurrent loans | 152.0900% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 1.5957% | 3,914 |
| Noncurrent loans to loans | 1.9330% | 3,655 |
| Net loans and leases to total assets | 70.6910% | 2,375 |
| Net loans and leases to deposits | 82.7097% | 2,682 |
| Net loans and leases to core deposits | 93.7391% | 2,290 |
| Total domestic deposits to total assets | 85.4689% | 3,619 |
| Equity capital to assets | 11.3895% | 2,346 |
| Core capital (leverage) ratio | 10.8028% | 2,310 |
| Tier 1 risk-based capital ratio | 16.4349% | 2,548 |
| Total risk-based capital ratio | 17.7077% | 2,511 |
| Memoranda: | ||
| Average total assets | $44,338,400 | 6,719 |
| Average earning assets | $39,673,800 | 6,726 |
| Average equity | $5,149,200 | 6,621 |
| Average total loans | $32,876,200 | 6,263 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8354% | 1,293 |
| Cost of funding earning assets | 1.0824% | 5,538 |
| Net interest margin | 4.7530% | 742 |
| Noninterest income to average assets | 0.5258% | 3,977 |
| Noninterest expense to average assets | 3.3109% | 2,537 |
| Loan and lease loss provision to assets | 1.6404% | 785 |
| Net operating income to assets | -0.1773% | 6,289 |
| Return on assets (ROA) | -0.1773% | 6,362 |
| Pretax return on assets | -0.1773% | 6,302 |
| Return on Equity (ROE) | -1.5190% | 6,345 |
| Retained earnings to average equity (ytd only) | -1.5190% | 6,103 |
| Net charge-offs to loans | -0.0282% | 7,397 |
| Credit loss provision to net charge-offs | -7,800.0000% | 7,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3518% | 4,197 |
| Assets per employee ($millions) | 3.2224% | 5,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4179% | 265 |
| Loan loss allowance to noncurrent loans | 227.3302% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 1.6115% | 4,033 |
| Noncurrent loans to loans | 1.9434% | 3,757 |
| Net loans and leases to total assets | 69.0111% | 2,983 |
| Net loans and leases to deposits | 80.7391% | 3,315 |
| Net loans and leases to core deposits | 92.1176% | 2,781 |
| Total domestic deposits to total assets | 85.4743% | 3,366 |
| Equity capital to assets | 11.4335% | 2,583 |
| Core capital (leverage) ratio | 11.0719% | 2,210 |
| Tier 1 risk-based capital ratio | 16.1866% | 2,679 |
| Total risk-based capital ratio | 17.4793% | 2,611 |
| Memoranda: | ||
| Average total assets | $44,377,750 | 6,803 |
| Average earning assets | $39,665,250 | 6,811 |
| Average equity | $5,178,500 | 6,687 |
| Average total loans | $33,050,750 | 6,339 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8966% | 1,195 |
| Cost of funding earning assets | 1.1234% | 5,560 |
| Net interest margin | 4.7732% | 688 |
| Noninterest income to average assets | 0.5483% | 3,728 |
| Noninterest expense to average assets | 3.3807% | 2,317 |
| Loan and lease loss provision to assets | 1.5680% | 837 |
| Net operating income to assets | -0.1450% | 6,285 |
| Return on assets (ROA) | -0.1450% | 6,350 |
| Pretax return on assets | -0.1450% | 6,286 |
| Return on Equity (ROE) | -1.2343% | 6,348 |
| Retained earnings to average equity (ytd only) | -1.2343% | 6,021 |
| Net charge-offs to loans | 0.0422% | 5,784 |
| Credit loss provision to net charge-offs | 4,942.8571% | 80 |
| Earnings coverage of net charge-offs (x) | 44.8571% | 659 |
| Efficiency ratio | 70.3774% | 4,114 |
| Assets per employee ($millions) | 3.1159% | 5,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7449% | 452 |
| Loan loss allowance to noncurrent loans | 234.6743% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 1.3984% | 4,378 |
| Noncurrent loans to loans | 1.5958% | 4,316 |
| Net loans and leases to total assets | 72.1792% | 2,350 |
| Net loans and leases to deposits | 84.5989% | 2,770 |
| Net loans and leases to core deposits | 96.8026% | 2,349 |
| Total domestic deposits to total assets | 85.3193% | 3,455 |
| Equity capital to assets | 11.7510% | 2,247 |
| Core capital (leverage) ratio | 11.3155% | 2,027 |
| Tier 1 risk-based capital ratio | 16.3572% | 2,530 |
| Total risk-based capital ratio | 17.6402% | 2,461 |
| Memoranda: | ||
| Average total assets | $44,132,670 | 6,855 |
| Average earning assets | $39,345,000 | 6,872 |
| Average equity | $5,185,330 | 6,715 |
| Average total loans | $33,210,330 | 6,371 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9667% | 1,042 |
| Cost of funding earning assets | 1.1549% | 5,639 |
| Net interest margin | 4.8119% | 628 |
| Noninterest income to average assets | 0.5948% | 3,310 |
| Noninterest expense to average assets | 3.5505% | 1,845 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2706% | 1,358 |
| Return on assets (ROA) | 1.2706% | 1,431 |
| Pretax return on assets | 1.3247% | 1,982 |
| Return on Equity (ROE) | 10.8150% | 1,831 |
| Retained earnings to average equity (ytd only) | 10.8150% | 956 |
| Net charge-offs to loans | -0.0359% | 7,247 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8281% | 3,790 |
| Assets per employee ($millions) | 3.1131% | 5,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6825% | 1,097 |
| Loan loss allowance to noncurrent loans | 1,033.7209% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.3166% | 6,684 |
| Noncurrent loans to loans | 0.2595% | 6,810 |
| Net loans and leases to total assets | 73.9996% | 1,970 |
| Net loans and leases to deposits | 87.0194% | 2,404 |
| Net loans and leases to core deposits | 98.0811% | 2,335 |
| Total domestic deposits to total assets | 85.0381% | 3,659 |
| Equity capital to assets | 12.1283% | 1,964 |
| Core capital (leverage) ratio | 11.6661% | 1,822 |
| Tier 1 risk-based capital ratio | 16.8314% | 2,330 |
| Total risk-based capital ratio | 18.1019% | 2,276 |
| Memoranda: | ||
| Average total assets | $44,388,000 | 6,937 |
| Average earning assets | $39,485,500 | 6,947 |
| Average equity | $5,215,000 | 6,779 |
| Average total loans | $33,460,000 | 6,438 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4018% | 825 |
| Cost of funding earning assets | 1.7588% | 4,206 |
| Net interest margin | 4.6429% | 914 |
| Noninterest income to average assets | 0.4436% | 4,854 |
| Noninterest expense to average assets | 3.6075% | 2,119 |
| Loan and lease loss provision to assets | 1.4371% | 1,602 |
| Net operating income to assets | -0.4549% | 6,131 |
| Return on assets (ROA) | -0.4549% | 6,131 |
| Pretax return on assets | -0.4549% | 5,968 |
| Return on Equity (ROE) | -3.8351% | 6,098 |
| Retained earnings to average equity (ytd only) | -3.8351% | 5,844 |
| Net charge-offs to loans | 1.4554% | 1,725 |
| Credit loss provision to net charge-offs | 127.2545% | 4,072 |
| Earnings coverage of net charge-offs (x) | 0.8697% | 5,239 |
| Efficiency ratio | 78.5996% | 3,108 |
| Assets per employee ($millions) | 3.2280% | 5,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6229% | 1,102 |
| Loan loss allowance to noncurrent loans | 518.1287% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.4979% | 6,209 |
| Noncurrent loans to loans | 0.5062% | 6,238 |
| Net loans and leases to total assets | 72.7850% | 2,557 |
| Net loans and leases to deposits | 84.7583% | 3,130 |
| Net loans and leases to core deposits | 119.0524% | 2,028 |
| Total domestic deposits to total assets | 85.8736% | 3,072 |
| Equity capital to assets | 11.3825% | 2,408 |
| Core capital (leverage) ratio | 11.2240% | 2,087 |
| Tier 1 risk-based capital ratio | 16.0388% | 2,507 |
| Total risk-based capital ratio | 17.3081% | 2,424 |
| Memoranda: | ||
| Average total assets | $44,186,200 | 6,937 |
| Average earning assets | $39,457,800 | 6,959 |
| Average equity | $5,241,000 | 6,856 |
| Average total loans | $34,285,200 | 6,381 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3361% | 1,057 |
| Cost of funding earning assets | 1.8954% | 3,908 |
| Net interest margin | 4.4407% | 1,338 |
| Noninterest income to average assets | 0.3975% | 5,302 |
| Noninterest expense to average assets | 3.1501% | 3,460 |
| Loan and lease loss provision to assets | 1.6995% | 1,092 |
| Net operating income to assets | -0.4704% | 6,397 |
| Return on assets (ROA) | -0.4704% | 6,402 |
| Pretax return on assets | -0.4704% | 6,263 |
| Return on Equity (ROE) | -3.9250% | 6,336 |
| Retained earnings to average equity (ytd only) | -3.9250% | 6,102 |
| Net charge-offs to loans | 1.7668% | 1,142 |
| Credit loss provision to net charge-offs | 122.8070% | 4,121 |
| Earnings coverage of net charge-offs (x) | 0.8882% | 5,173 |
| Efficiency ratio | 71.9335% | 4,254 |
| Assets per employee ($millions) | 3.1032% | 5,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5410% | 1,023 |
| Loan loss allowance to noncurrent loans | 148.5217% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 1.5974% | 3,954 |
| Noncurrent loans to loans | 1.7109% | 4,075 |
| Net loans and leases to total assets | 75.3942% | 2,135 |
| Net loans and leases to deposits | 88.5749% | 2,856 |
| Net loans and leases to core deposits | 130.2956% | 1,417 |
| Total domestic deposits to total assets | 85.1191% | 3,166 |
| Equity capital to assets | 11.9784% | 2,250 |
| Core capital (leverage) ratio | 11.4013% | 2,123 |
| Tier 1 risk-based capital ratio | 16.5335% | 2,414 |
| Total risk-based capital ratio | 17.8013% | 2,361 |
| Memoranda: | ||
| Average total assets | $43,934,750 | 7,000 |
| Average earning assets | $39,392,250 | 7,020 |
| Average equity | $5,265,250 | 6,918 |
| Average total loans | $34,411,750 | 6,430 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5555% | 722 |
| Cost of funding earning assets | 2.0375% | 3,586 |
| Net interest margin | 4.5181% | 1,128 |
| Noninterest income to average assets | 0.5442% | 4,078 |
| Noninterest expense to average assets | 2.8936% | 4,520 |
| Loan and lease loss provision to assets | 2.5398% | 610 |
| Net operating income to assets | -0.8663% | 6,877 |
| Return on assets (ROA) | -0.8663% | 6,884 |
| Pretax return on assets | -0.8663% | 6,727 |
| Return on Equity (ROE) | -7.2271% | 6,825 |
| Retained earnings to average equity (ytd only) | -7.2271% | 6,589 |
| Net charge-offs to loans | 2.7740% | 601 |
| Credit loss provision to net charge-offs | 116.4241% | 3,986 |
| Earnings coverage of net charge-offs (x) | 0.7672% | 4,963 |
| Efficiency ratio | 63.3565% | 6,034 |
| Assets per employee ($millions) | 3.1446% | 5,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4442% | 948 |
| Loan loss allowance to noncurrent loans | 854.6392% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.7587% | 5,505 |
| Noncurrent loans to loans | 0.2860% | 6,797 |
| Net loans and leases to total assets | 75.1590% | 2,400 |
| Net loans and leases to deposits | 88.0375% | 3,163 |
| Net loans and leases to core deposits | 130.3396% | 1,533 |
| Total domestic deposits to total assets | 85.3716% | 3,079 |
| Equity capital to assets | 11.6527% | 2,418 |
| Core capital (leverage) ratio | 11.2516% | 2,224 |
| Tier 1 risk-based capital ratio | 16.1423% | 2,573 |
| Total risk-based capital ratio | 17.4078% | 2,515 |
| Memoranda: | ||
| Average total assets | $44,098,000 | 7,055 |
| Average earning assets | $39,264,670 | 7,081 |
| Average equity | $5,285,670 | 6,968 |
| Average total loans | $34,679,330 | 6,472 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5605% | 771 |
| Cost of funding earning assets | 2.1632% | 3,355 |
| Net interest margin | 4.3974% | 1,346 |
| Noninterest income to average assets | 0.6072% | 3,498 |
| Noninterest expense to average assets | 3.2083% | 2,953 |
| Loan and lease loss provision to assets | 0.7250% | 1,770 |
| Net operating income to assets | 0.5710% | 4,140 |
| Return on assets (ROA) | 0.5710% | 4,335 |
| Pretax return on assets | 0.5982% | 4,755 |
| Return on Equity (ROE) | 4.6984% | 4,609 |
| Retained earnings to average equity (ytd only) | 4.6984% | 3,304 |
| Net charge-offs to loans | -0.0228% | 7,475 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8000% | 4,416 |
| Assets per employee ($millions) | 3.4611% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3756% | 877 |
| Loan loss allowance to noncurrent loans | 127.0229% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 1.7247% | 3,330 |
| Noncurrent loans to loans | 1.8703% | 3,458 |
| Net loans and leases to total assets | 75.9879% | 2,272 |
| Net loans and leases to deposits | 89.3739% | 3,036 |
| Net loans and leases to core deposits | 134.5533% | 1,384 |
| Total domestic deposits to total assets | 85.0224% | 3,190 |
| Equity capital to assets | 12.0127% | 2,254 |
| Core capital (leverage) ratio | 11.8333% | 1,982 |
| Tier 1 risk-based capital ratio | 16.4724% | 2,522 |
| Total risk-based capital ratio | 17.7395% | 2,453 |
| Memoranda: | ||
| Average total assets | $44,135,000 | 7,097 |
| Average earning assets | $39,387,000 | 7,115 |
| Average equity | $5,363,500 | 6,982 |
| Average total loans | $35,060,500 | 6,491 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1303% | 861 |
| Cost of funding earning assets | 2.6872% | 3,221 |
| Net interest margin | 4.4431% | 1,552 |
| Noninterest income to average assets | 0.6697% | 3,333 |
| Noninterest expense to average assets | 3.1871% | 3,385 |
| Loan and lease loss provision to assets | 0.7832% | 1,906 |
| Net operating income to assets | 0.7378% | 3,728 |
| Return on assets (ROA) | 0.7378% | 3,562 |
| Pretax return on assets | 0.7718% | 4,171 |
| Return on Equity (ROE) | 6.0985% | 3,904 |
| Retained earnings to average equity (ytd only) | 2.6083% | 3,567 |
| Net charge-offs to loans | 0.7791% | 1,598 |
| Credit loss provision to net charge-offs | 123.6559% | 4,337 |
| Earnings coverage of net charge-offs (x) | 2.4552% | 4,853 |
| Efficiency ratio | 67.2092% | 4,872 |
| Assets per employee ($millions) | 3.3289% | 5,146 |
| Cash dividends to net income (ytd only)* | 57.2308% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1368% | 1,018 |
| Loan loss allowance to noncurrent loans | 158.2278% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 1.3264% | 3,564 |
| Noncurrent loans to loans | 1.3505% | 3,819 |
| Net loans and leases to total assets | 79.3719% | 1,808 |
| Net loans and leases to deposits | 94.0527% | 2,748 |
| Net loans and leases to core deposits | 141.7506% | 1,171 |
| Total domestic deposits to total assets | 84.3909% | 3,135 |
| Equity capital to assets | 12.2978% | 2,112 |
| Core capital (leverage) ratio | 11.8915% | 2,031 |
| Tier 1 risk-based capital ratio | 16.4542% | 2,504 |
| Total risk-based capital ratio | 17.7164% | 2,432 |
| Memoranda: | ||
| Average total assets | $44,052,200 | 7,026 |
| Average earning assets | $40,376,800 | 7,025 |
| Average equity | $5,329,200 | 7,033 |
| Average total loans | $35,810,400 | 6,375 |