Home > The Wilson State Bank > Performance and Condition Ratios
The Wilson 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 | 4.3735% | 3,327 |
| Cost of funding earning assets | 1.2077% | 2,780 |
| Net interest margin | 3.1658% | 2,952 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.4509% | 2,440 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7321% | 3,101 |
| Return on assets (ROA) | 0.7489% | 3,030 |
| Pretax return on assets | 0.7689% | 3,288 |
| Return on Equity (ROE) | 13.4400% | 1,620 |
| Retained earnings to average equity (ytd only) | 8.0060% | 1,539 |
| Net charge-offs to loans | 0.0049% | 2,537 |
| Credit loss provision to net charge-offs | 575.0000% | 611 |
| Earnings coverage of net charge-offs (x) | 232.2500% | 529 |
| Efficiency ratio | 76.0814% | 1,235 |
| Assets per employee ($millions) | 5.1674% | 3,506 |
| Cash dividends to net income (ytd only)* | 40.4208% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 3,252 |
| Loan loss allowance to noncurrent loans | 1,405.0847% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 3,262 |
| Noncurrent loans to loans | 0.0719% | 3,203 |
| Net loans and leases to total assets | 68.3400% | 1,992 |
| Net loans and leases to deposits | 77.1826% | 2,340 |
| Net loans and leases to core deposits | 86.4393% | 2,282 |
| Total domestic deposits to total assets | 88.5500% | 1,195 |
| Equity capital to assets | 6.1253% | 4,211 |
| Core capital (leverage) ratio | 8.3123% | 4,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2829% | 2,502 |
| Memoranda: | ||
| Average total assets | $120,569,200 | 3,647 |
| Average earning assets | $113,935,600 | 3,606 |
| Average equity | $6,720,000 | 4,079 |
| Average total loans | $80,930,800 | 3,393 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2403% | 3,398 |
| Cost of funding earning assets | 1.1210% | 2,685 |
| Net interest margin | 3.1193% | 3,107 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.3878% | 2,549 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.7497% | 3,175 |
| Return on assets (ROA) | 0.7713% | 3,098 |
| Pretax return on assets | 0.7879% | 3,363 |
| Return on Equity (ROE) | 14.1800% | 1,608 |
| Retained earnings to average equity (ytd only) | 9.3412% | 1,593 |
| Net charge-offs to loans | -0.0017% | 3,546 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.3215% | 1,239 |
| Assets per employee ($millions) | 5.3163% | 3,336 |
| Cash dividends to net income (ytd only)* | 34.1429% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 3,421 |
| Loan loss allowance to noncurrent loans | 184.3750% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 1,566 |
| Noncurrent loans to loans | 0.5364% | 1,483 |
| Net loans and leases to total assets | 67.6200% | 2,089 |
| Net loans and leases to deposits | 79.1072% | 2,129 |
| Net loans and leases to core deposits | 89.6870% | 1,951 |
| Total domestic deposits to total assets | 85.4800% | 2,354 |
| Equity capital to assets | 5.2251% | 4,207 |
| Core capital (leverage) ratio | 8.0584% | 4,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8817% | 2,644 |
| Memoranda: | ||
| Average total assets | $120,998,750 | 3,656 |
| Average earning assets | $114,423,500 | 3,611 |
| Average equity | $6,580,000 | 4,096 |
| Average total loans | $80,649,500 | 3,406 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0429% | 3,600 |
| Cost of funding earning assets | 0.9849% | 2,651 |
| Net interest margin | 3.0580% | 3,307 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.3554% | 2,639 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.7517% | 3,211 |
| Return on assets (ROA) | 0.7813% | 3,152 |
| Pretax return on assets | 0.7879% | 3,422 |
| Return on Equity (ROE) | 14.1800% | 1,642 |
| Retained earnings to average equity (ytd only) | 9.9945% | 1,404 |
| Net charge-offs to loans | -0.0025% | 3,567 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.3715% | 1,230 |
| Assets per employee ($millions) | 5.6793% | 2,995 |
| Cash dividends to net income (ytd only)* | 29.5117% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 3,556 |
| Loan loss allowance to noncurrent loans | 182.5893% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.3586% | 1,483 |
| Noncurrent loans to loans | 0.5276% | 1,411 |
| Net loans and leases to total assets | 67.3000% | 2,032 |
| Net loans and leases to deposits | 75.1215% | 2,397 |
| Net loans and leases to core deposits | 87.4914% | 1,969 |
| Total domestic deposits to total assets | 89.5900% | 1,058 |
| Equity capital to assets | 5.4120% | 4,307 |
| Core capital (leverage) ratio | 8.1459% | 4,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1225% | 2,831 |
| Memoranda: | ||
| Average total assets | $120,573,333 | 3,672 |
| Average earning assets | $114,126,000 | 3,635 |
| Average equity | $6,643,667 | 4,114 |
| Average total loans | $79,695,333 | 3,418 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8830% | 3,706 |
| Cost of funding earning assets | 0.7994% | 2,738 |
| Net interest margin | 3.0836% | 3,385 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.4766% | 2,298 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7062% | 3,450 |
| Return on assets (ROA) | 0.7095% | 3,400 |
| Pretax return on assets | 0.6690% | 3,719 |
| Return on Equity (ROE) | 12.7600% | 2,032 |
| Retained earnings to average equity (ytd only) | 9.1731% | 1,891 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.8172% | 924 |
| Assets per employee ($millions) | 5.3647% | 3,352 |
| Cash dividends to net income (ytd only)* | 28.0952% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 3,300 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 64.7500% | 2,175 |
| Net loans and leases to deposits | 70.0087% | 2,610 |
| Net loans and leases to core deposits | 79.0184% | 2,316 |
| Total domestic deposits to total assets | 92.4900% | 400 |
| Equity capital to assets | 5.7005% | 4,289 |
| Core capital (leverage) ratio | 8.2188% | 4,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8606% | 2,766 |
| Memoranda: | ||
| Average total assets | $118,388,000 | 3,737 |
| Average earning assets | $112,077,500 | 3,695 |
| Average equity | $6,584,500 | 4,176 |
| Average total loans | $77,090,000 | 3,500 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6287% | 2,711 |
| Cost of funding earning assets | 0.3815% | 2,247 |
| Net interest margin | 3.2472% | 2,713 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.3908% | 2,450 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8530% | 3,139 |
| Return on assets (ROA) | 0.8586% | 3,052 |
| Pretax return on assets | 0.9019% | 3,346 |
| Return on Equity (ROE) | 14.0300% | 1,521 |
| Retained earnings to average equity (ytd only) | 8.4086% | 1,676 |
| Net charge-offs to loans | 0.0093% | 2,030 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 153.7143% | 778 |
| Efficiency ratio | 72.7388% | 1,356 |
| Assets per employee ($millions) | 5.3978% | 3,320 |
| Cash dividends to net income (ytd only)* | 40.0582% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0527% | 3,109 |
| Loan loss allowance to noncurrent loans | 2,025.0000% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 3,466 |
| Noncurrent loans to loans | 0.0520% | 3,384 |
| Net loans and leases to total assets | 64.1100% | 2,232 |
| Net loans and leases to deposits | 68.4513% | 2,701 |
| Net loans and leases to core deposits | 81.9987% | 2,007 |
| Total domestic deposits to total assets | 93.6600% | 280 |
| Equity capital to assets | 5.4239% | 4,259 |
| Core capital (leverage) ratio | 7.9084% | 4,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6730% | 2,816 |
| Memoranda: | ||
| Average total assets | $120,083,600 | 3,729 |
| Average earning assets | $113,759,400 | 3,690 |
| Average equity | $7,349,600 | 4,168 |
| Average total loans | $75,040,200 | 3,489 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5439% | 2,481 |
| Cost of funding earning assets | 0.3015% | 2,148 |
| Net interest margin | 3.2424% | 2,484 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 2.4005% | 2,324 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8242% | 3,158 |
| Return on assets (ROA) | 0.8315% | 3,096 |
| Pretax return on assets | 0.8769% | 3,389 |
| Return on Equity (ROE) | 13.2200% | 1,636 |
| Retained earnings to average equity (ytd only) | 8.7810% | 1,733 |
| Net charge-offs to loans | 0.0125% | 1,650 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 112.1429% | 883 |
| Efficiency ratio | 73.4169% | 1,338 |
| Assets per employee ($millions) | 5.5099% | 3,208 |
| Cash dividends to net income (ytd only)* | 33.5553% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 3,272 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 63.2100% | 2,169 |
| Net loans and leases to deposits | 67.3632% | 2,597 |
| Net loans and leases to core deposits | 78.9440% | 1,976 |
| Total domestic deposits to total assets | 93.8400% | 383 |
| Equity capital to assets | 5.1758% | 4,244 |
| Core capital (leverage) ratio | 7.7162% | 4,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0088% | 2,813 |
| Memoranda: | ||
| Average total assets | $120,416,500 | 3,748 |
| Average earning assets | $114,109,750 | 3,712 |
| Average equity | $7,576,750 | 4,184 |
| Average total loans | $74,564,000 | 3,508 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4818% | 2,189 |
| Cost of funding earning assets | 0.2318% | 2,478 |
| Net interest margin | 3.2501% | 2,053 |
| Noninterest income to average assets | 0.2081% | 3,951 |
| Noninterest expense to average assets | 2.3438% | 2,416 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8941% | 2,606 |
| Return on assets (ROA) | 0.8972% | 2,568 |
| Pretax return on assets | 0.9488% | 2,903 |
| Return on Equity (ROE) | 13.4565% | 1,252 |
| Retained earnings to average equity (ytd only) | 9.9863% | 1,027 |
| Net charge-offs to loans | 0.0190% | 1,355 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 81.1429% | 925 |
| Efficiency ratio | 71.2551% | 1,800 |
| Assets per employee ($millions) | 5.2197% | 3,497 |
| Cash dividends to net income (ytd only)* | 25.7885% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 3,248 |
| Loan loss allowance to noncurrent loans | 6,750.0000% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 3,931 |
| Noncurrent loans to loans | 0.0160% | 3,844 |
| Net loans and leases to total assets | 61.9405% | 2,127 |
| Net loans and leases to deposits | 66.1896% | 2,534 |
| Net loans and leases to core deposits | 77.1166% | 1,912 |
| Total domestic deposits to total assets | 93.5804% | 372 |
| Equity capital to assets | 5.4359% | 4,384 |
| Core capital (leverage) ratio | 7.6394% | 4,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1507% | 2,994 |
| Memoranda: | ||
| Average total assets | $120,149,333 | 3,797 |
| Average earning assets | $113,905,333 | 3,765 |
| Average equity | $8,011,000 | 4,202 |
| Average total loans | $73,607,667 | 3,558 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2670% | 2,484 |
| Cost of funding earning assets | 0.2208% | 2,517 |
| Net interest margin | 3.0462% | 2,344 |
| Noninterest income to average assets | 0.1997% | 3,967 |
| Noninterest expense to average assets | 2.4892% | 1,908 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5558% | 3,541 |
| Return on assets (ROA) | 0.5558% | 3,515 |
| Pretax return on assets | 0.6023% | 3,628 |
| Return on Equity (ROE) | 7.6312% | 2,829 |
| Retained earnings to average equity (ytd only) | 4.1583% | 2,879 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5167% | 1,108 |
| Assets per employee ($millions) | 5.0840% | 3,682 |
| Cash dividends to net income (ytd only)* | 45.5090% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 3,288 |
| Loan loss allowance to noncurrent loans | 897.8022% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 3,325 |
| Noncurrent loans to loans | 0.1237% | 3,204 |
| Net loans and leases to total assets | 59.6291% | 2,102 |
| Net loans and leases to deposits | 64.4169% | 2,488 |
| Net loans and leases to core deposits | 74.6501% | 1,886 |
| Total domestic deposits to total assets | 92.5674% | 388 |
| Equity capital to assets | 6.5524% | 4,409 |
| Core capital (leverage) ratio | 7.3450% | 4,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7893% | 3,060 |
| Memoranda: | ||
| Average total assets | $120,197,000 | 3,815 |
| Average earning assets | $114,111,000 | 3,782 |
| Average equity | $8,753,500 | 4,179 |
| Average total loans | $72,825,500 | 3,574 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9837% | 1,394 |
| Cost of funding earning assets | 0.2712% | 2,693 |
| Net interest margin | 3.7125% | 1,186 |
| Noninterest income to average assets | 0.3051% | 3,584 |
| Noninterest expense to average assets | 2.4841% | 2,230 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2762% | 1,673 |
| Return on assets (ROA) | 1.2838% | 1,706 |
| Pretax return on assets | 1.3436% | 2,227 |
| Return on Equity (ROE) | 15.3665% | 869 |
| Retained earnings to average equity (ytd only) | 7.6622% | 1,672 |
| Net charge-offs to loans | 0.0629% | 1,157 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 33.7556% | 1,533 |
| Efficiency ratio | 65.0322% | 2,398 |
| Assets per employee ($millions) | 4.3844% | 4,205 |
| Cash dividends to net income (ytd only)* | 50.1370% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 3,210 |
| Loan loss allowance to noncurrent loans | 334.8361% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.2788% | 2,149 |
| Noncurrent loans to loans | 0.3385% | 2,368 |
| Net loans and leases to total assets | 60.1970% | 2,140 |
| Net loans and leases to deposits | 66.0616% | 2,507 |
| Net loans and leases to core deposits | 77.1262% | 1,831 |
| Total domestic deposits to total assets | 91.1225% | 451 |
| Equity capital to assets | 8.0353% | 4,341 |
| Core capital (leverage) ratio | 7.4139% | 4,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8585% | 3,059 |
| Memoranda: | ||
| Average total assets | $113,721,600 | 3,860 |
| Average earning assets | $107,664,600 | 3,831 |
| Average equity | $9,501,200 | 4,192 |
| Average total loans | $71,513,400 | 3,616 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0253% | 1,479 |
| Cost of funding earning assets | 0.2829% | 2,770 |
| Net interest margin | 3.7424% | 1,243 |
| Noninterest income to average assets | 0.3246% | 3,485 |
| Noninterest expense to average assets | 2.5361% | 2,017 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2726% | 1,909 |
| Return on assets (ROA) | 1.2829% | 1,934 |
| Pretax return on assets | 1.3409% | 2,511 |
| Return on Equity (ROE) | 15.2020% | 1,109 |
| Retained earnings to average equity (ytd only) | 12.0016% | 836 |
| Net charge-offs to loans | 0.0841% | 842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 24.9556% | 1,632 |
| Efficiency ratio | 65.5944% | 2,161 |
| Assets per employee ($millions) | 5.0487% | 3,655 |
| Cash dividends to net income (ytd only)* | 21.0526% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1368% | 3,268 |
| Loan loss allowance to noncurrent loans | 116.2162% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.8063% | 886 |
| Noncurrent loans to loans | 0.9782% | 1,178 |
| Net loans and leases to total assets | 58.6388% | 2,408 |
| Net loans and leases to deposits | 64.6292% | 2,775 |
| Net loans and leases to core deposits | 76.0150% | 2,046 |
| Total domestic deposits to total assets | 90.7311% | 456 |
| Equity capital to assets | 8.2826% | 4,361 |
| Core capital (leverage) ratio | 7.4759% | 4,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9517% | 3,095 |
| Memoranda: | ||
| Average total assets | $112,557,500 | 3,917 |
| Average earning assets | $106,523,250 | 3,887 |
| Average equity | $9,498,500 | 4,251 |
| Average total loans | $71,372,500 | 3,676 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6747% | 2,409 |
| Cost of funding earning assets | 0.2929% | 2,845 |
| Net interest margin | 3.3818% | 2,198 |
| Noninterest income to average assets | 0.2571% | 3,854 |
| Noninterest expense to average assets | 2.4543% | 2,293 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9684% | 3,010 |
| Return on assets (ROA) | 0.9755% | 3,060 |
| Pretax return on assets | 1.0101% | 3,431 |
| Return on Equity (ROE) | 11.4815% | 2,244 |
| Retained earnings to average equity (ytd only) | 8.4985% | 1,893 |
| Net charge-offs to loans | 0.1798% | 472 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 8.5938% | 1,874 |
| Efficiency ratio | 70.9916% | 1,527 |
| Assets per employee ($millions) | 4.7453% | 3,888 |
| Cash dividends to net income (ytd only)* | 25.9813% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0850% | 3,479 |
| Loan loss allowance to noncurrent loans | 75.5450% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 0.9264% | 830 |
| Noncurrent loans to loans | 1.4363% | 807 |
| Net loans and leases to total assets | 63.7983% | 1,972 |
| Net loans and leases to deposits | 72.4920% | 2,165 |
| Net loans and leases to core deposits | 81.2202% | 1,775 |
| Total domestic deposits to total assets | 88.0074% | 1,816 |
| Equity capital to assets | 8.3557% | 4,316 |
| Core capital (leverage) ratio | 7.6725% | 4,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1785% | 2,925 |
| Memoranda: | ||
| Average total assets | $109,687,000 | 3,967 |
| Average earning assets | $103,790,667 | 3,936 |
| Average equity | $9,319,333 | 4,285 |
| Average total loans | $71,207,000 | 3,704 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5026% | 2,919 |
| Cost of funding earning assets | 0.3181% | 2,813 |
| Net interest margin | 3.1846% | 2,744 |
| Noninterest income to average assets | 0.2231% | 4,047 |
| Noninterest expense to average assets | 2.6174% | 1,841 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5949% | 3,959 |
| Return on assets (ROA) | 0.5949% | 4,019 |
| Pretax return on assets | 0.6209% | 4,164 |
| Return on Equity (ROE) | 6.9407% | 3,619 |
| Retained earnings to average equity (ytd only) | 3.1233% | 3,742 |
| Net charge-offs to loans | 0.3710% | 229 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 2.5692% | 1,803 |
| Efficiency ratio | 80.8266% | 765 |
| Assets per employee ($millions) | 4.2117% | 4,336 |
| Cash dividends to net income (ytd only)* | 55.0000% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 3,296 |
| Loan loss allowance to noncurrent loans | 71.5440% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.0173% | 805 |
| Noncurrent loans to loans | 1.5775% | 773 |
| Net loans and leases to total assets | 63.7615% | 2,077 |
| Net loans and leases to deposits | 70.3362% | 2,469 |
| Net loans and leases to core deposits | 79.3315% | 2,067 |
| Total domestic deposits to total assets | 90.6525% | 521 |
| Equity capital to assets | 8.3421% | 4,240 |
| Core capital (leverage) ratio | 7.5746% | 4,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2361% | 2,886 |
| Memoranda: | ||
| Average total assets | $107,587,000 | 3,992 |
| Average earning assets | $101,866,500 | 3,959 |
| Average equity | $9,221,000 | 4,308 |
| Average total loans | $70,083,000 | 3,733 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2517% | 1,995 |
| Cost of funding earning assets | 0.5228% | 2,797 |
| Net interest margin | 3.7290% | 1,710 |
| Noninterest income to average assets | 0.3555% | 3,342 |
| Noninterest expense to average assets | 2.7467% | 2,088 |
| Loan and lease loss provision to assets | 0.1001% | 3,082 |
| Net operating income to assets | 0.9676% | 2,407 |
| Return on assets (ROA) | 0.9745% | 2,528 |
| Pretax return on assets | 1.0133% | 3,003 |
| Return on Equity (ROE) | 10.5512% | 1,790 |
| Retained earnings to average equity (ytd only) | 3.5834% | 3,043 |
| Net charge-offs to loans | 0.1162% | 1,324 |
| Credit loss provision to net charge-offs | 124.0506% | 2,605 |
| Earnings coverage of net charge-offs (x) | 13.7089% | 2,262 |
| Efficiency ratio | 71.2884% | 1,774 |
| Assets per employee ($millions) | 4.0642% | 4,325 |
| Cash dividends to net income (ytd only)* | 66.0377% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 2,751 |
| Loan loss allowance to noncurrent loans | 62.2383% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 2.0403% | 273 |
| Noncurrent loans to loans | 1.9915% | 582 |
| Net loans and leases to total assets | 65.0001% | 2,227 |
| Net loans and leases to deposits | 72.0875% | 2,678 |
| Net loans and leases to core deposits | 81.7280% | 2,214 |
| Total domestic deposits to total assets | 90.1684% | 500 |
| Equity capital to assets | 8.8077% | 4,217 |
| Core capital (leverage) ratio | 7.8077% | 4,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2868% | 3,049 |
| Memoranda: | ||
| Average total assets | $97,899,800 | 4,028 |
| Average earning assets | $91,821,600 | 4,005 |
| Average equity | $9,041,600 | 4,312 |
| Average total loans | $68,005,800 | 3,773 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4264% | 1,783 |
| Cost of funding earning assets | 0.5681% | 2,820 |
| Net interest margin | 3.8582% | 1,454 |
| Noninterest income to average assets | 0.3835% | 3,164 |
| Noninterest expense to average assets | 2.8206% | 1,917 |
| Loan and lease loss provision to assets | 0.1365% | 2,650 |
| Net operating income to assets | 1.0021% | 2,333 |
| Return on assets (ROA) | 1.0088% | 2,438 |
| Pretax return on assets | 1.0477% | 2,914 |
| Return on Equity (ROE) | 10.7849% | 1,753 |
| Retained earnings to average equity (ytd only) | 6.5066% | 1,883 |
| Net charge-offs to loans | 0.1597% | 927 |
| Credit loss provision to net charge-offs | 120.9877% | 2,493 |
| Earnings coverage of net charge-offs (x) | 10.4568% | 2,357 |
| Efficiency ratio | 70.5596% | 1,811 |
| Assets per employee ($millions) | 4.0204% | 4,295 |
| Cash dividends to net income (ytd only)* | 39.6694% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 2,462 |
| Loan loss allowance to noncurrent loans | 73.8197% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.9262% | 358 |
| Noncurrent loans to loans | 1.6759% | 825 |
| Net loans and leases to total assets | 68.3046% | 2,195 |
| Net loans and leases to deposits | 78.8589% | 2,444 |
| Net loans and leases to core deposits | 86.5323% | 2,274 |
| Total domestic deposits to total assets | 86.6163% | 1,808 |
| Equity capital to assets | 9.3901% | 3,775 |
| Core capital (leverage) ratio | 7.8841% | 4,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3341% | 3,060 |
| Memoranda: | ||
| Average total assets | $95,957,500 | 4,049 |
| Average earning assets | $89,883,250 | 4,021 |
| Average equity | $8,975,250 | 4,326 |
| Average total loans | $67,620,500 | 3,797 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5474% | 1,787 |
| Cost of funding earning assets | 0.6247% | 2,838 |
| Net interest margin | 3.9227% | 1,521 |
| Noninterest income to average assets | 0.3960% | 3,106 |
| Noninterest expense to average assets | 2.8166% | 2,058 |
| Loan and lease loss provision to assets | 0.1694% | 2,311 |
| Net operating income to assets | 1.0420% | 2,181 |
| Return on assets (ROA) | 1.0440% | 2,303 |
| Pretax return on assets | 1.0822% | 2,769 |
| Return on Equity (ROE) | 11.1779% | 1,577 |
| Retained earnings to average equity (ytd only) | 7.5502% | 1,444 |
| Net charge-offs to loans | 0.2418% | 649 |
| Credit loss provision to net charge-offs | 98.7654% | 2,421 |
| Earnings coverage of net charge-offs (x) | 7.2840% | 2,377 |
| Efficiency ratio | 69.2708% | 2,051 |
| Assets per employee ($millions) | 4.1688% | 4,136 |
| Cash dividends to net income (ytd only)* | 32.4544% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 2,416 |
| Loan loss allowance to noncurrent loans | 58.5535% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 2.1196% | 320 |
| Noncurrent loans to loans | 2.0839% | 623 |
| Net loans and leases to total assets | 65.4040% | 2,704 |
| Net loans and leases to deposits | 75.1284% | 2,958 |
| Net loans and leases to core deposits | 83.9737% | 2,604 |
| Total domestic deposits to total assets | 87.0562% | 1,597 |
| Equity capital to assets | 8.9158% | 4,161 |
| Core capital (leverage) ratio | 8.1394% | 4,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7654% | 3,182 |
| Memoranda: | ||
| Average total assets | $94,440,000 | 4,062 |
| Average earning assets | $88,358,000 | 4,050 |
| Average equity | $8,821,000 | 4,360 |
| Average total loans | $66,989,667 | 3,816 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6233% | 1,932 |
| Cost of funding earning assets | 0.7441% | 2,696 |
| Net interest margin | 3.8791% | 1,736 |
| Noninterest income to average assets | 0.5226% | 2,427 |
| Noninterest expense to average assets | 2.8677% | 2,224 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2238% | 1,445 |
| Return on assets (ROA) | 1.2194% | 1,565 |
| Pretax return on assets | 1.2596% | 1,993 |
| Return on Equity (ROE) | 12.7191% | 931 |
| Retained earnings to average equity (ytd only) | 7.6408% | 1,331 |
| Net charge-offs to loans | 0.2910% | 502 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 5.8958% | 2,018 |
| Efficiency ratio | 69.4054% | 2,450 |
| Assets per employee ($millions) | 3.3891% | 4,567 |
| Cash dividends to net income (ytd only)* | 39.9267% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,673 |
| Loan loss allowance to noncurrent loans | 55.3236% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 2.7211% | 241 |
| Noncurrent loans to loans | 2.1694% | 618 |
| Net loans and leases to total assets | 71.5177% | 1,997 |
| Net loans and leases to deposits | 79.9919% | 2,681 |
| Net loans and leases to core deposits | 90.9992% | 2,250 |
| Total domestic deposits to total assets | 89.4062% | 507 |
| Equity capital to assets | 9.3065% | 4,388 |
| Core capital (leverage) ratio | 8.8040% | 4,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8856% | 3,346 |
| Memoranda: | ||
| Average total assets | $89,550,000 | 4,124 |
| Average earning assets | $83,318,000 | 4,119 |
| Average equity | $8,585,500 | 4,409 |
| Average total loans | $65,981,500 | 3,847 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8192% | 1,987 |
| Cost of funding earning assets | 0.7141% | 3,096 |
| Net interest margin | 4.1050% | 1,528 |
| Noninterest income to average assets | 0.4706% | 2,898 |
| Noninterest expense to average assets | 3.0266% | 1,946 |
| Loan and lease loss provision to assets | 0.4164% | 338 |
| Net operating income to assets | 0.8190% | 3,492 |
| Return on assets (ROA) | 0.8962% | 3,304 |
| Pretax return on assets | 0.9262% | 3,660 |
| Return on Equity (ROE) | 8.8602% | 2,816 |
| Retained earnings to average equity (ytd only) | -0.6500% | 4,780 |
| Net charge-offs to loans | 0.3797% | 520 |
| Credit loss provision to net charge-offs | 144.4000% | 1,782 |
| Earnings coverage of net charge-offs (x) | 4.3800% | 3,219 |
| Efficiency ratio | 70.5566% | 2,092 |
| Assets per employee ($millions) | 3.2442% | 4,675 |
| Cash dividends to net income (ytd only)* | 107.3359% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2826% | 2,017 |
| Loan loss allowance to noncurrent loans | 92.6374% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 2.5984% | 243 |
| Noncurrent loans to loans | 1.3846% | 1,066 |
| Net loans and leases to total assets | 74.0713% | 1,737 |
| Net loans and leases to deposits | 83.3573% | 2,403 |
| Net loans and leases to core deposits | 93.0688% | 2,154 |
| Total domestic deposits to total assets | 88.8600% | 720 |
| Equity capital to assets | 9.8808% | 4,029 |
| Core capital (leverage) ratio | 8.8204% | 4,655 |
| Tier 1 risk-based capital ratio | 10.2791% | 5,078 |
| Total risk-based capital ratio | 11.3981% | 5,050 |
| Memoranda: | ||
| Average total assets | $86,697,200 | 4,191 |
| Average earning assets | $80,657,200 | 4,173 |
| Average equity | $8,769,600 | 4,411 |
| Average total loans | $65,841,200 | 3,861 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8479% | 1,978 |
| Cost of funding earning assets | 0.7041% | 3,203 |
| Net interest margin | 4.1437% | 1,515 |
| Noninterest income to average assets | 0.4502% | 3,017 |
| Noninterest expense to average assets | 2.9650% | 2,069 |
| Loan and lease loss provision to assets | 0.2945% | 506 |
| Net operating income to assets | 1.0130% | 2,934 |
| Return on assets (ROA) | 1.1117% | 2,615 |
| Pretax return on assets | 1.1487% | 3,138 |
| Return on Equity (ROE) | 10.9262% | 2,048 |
| Retained earnings to average equity (ytd only) | 6.4859% | 2,125 |
| Net charge-offs to loans | 0.1012% | 1,459 |
| Credit loss provision to net charge-offs | 382.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 17.3987% | 2,091 |
| Efficiency ratio | 68.8507% | 2,278 |
| Assets per employee ($millions) | 3.3409% | 4,636 |
| Cash dividends to net income (ytd only)* | 40.6383% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 1,968 |
| Loan loss allowance to noncurrent loans | 183.7895% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 2.1194% | 392 |
| Noncurrent loans to loans | 0.7068% | 2,190 |
| Net loans and leases to total assets | 76.3628% | 1,421 |
| Net loans and leases to deposits | 86.6845% | 2,108 |
| Net loans and leases to core deposits | 97.6763% | 1,847 |
| Total domestic deposits to total assets | 88.0927% | 1,000 |
| Equity capital to assets | 10.4705% | 3,565 |
| Core capital (leverage) ratio | 9.5457% | 4,119 |
| Tier 1 risk-based capital ratio | 10.8074% | 4,984 |
| Total risk-based capital ratio | 11.9540% | 4,934 |
| Memoranda: | ||
| Average total assets | $86,473,000 | 4,248 |
| Average earning assets | $80,473,000 | 4,232 |
| Average equity | $8,798,250 | 4,453 |
| Average total loans | $65,870,250 | 3,904 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7916% | 2,088 |
| Cost of funding earning assets | 0.6739% | 3,306 |
| Net interest margin | 4.1177% | 1,561 |
| Noninterest income to average assets | 0.4378% | 3,025 |
| Noninterest expense to average assets | 3.0066% | 1,986 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2300% | 2,037 |
| Return on assets (ROA) | 1.2300% | 2,096 |
| Pretax return on assets | 1.2670% | 2,686 |
| Return on Equity (ROE) | 12.2078% | 1,503 |
| Retained earnings to average equity (ytd only) | 8.4604% | 1,221 |
| Net charge-offs to loans | 0.1590% | 998 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 10.5192% | 2,266 |
| Efficiency ratio | 70.3523% | 2,169 |
| Assets per employee ($millions) | 3.3205% | 4,684 |
| Cash dividends to net income (ytd only)* | 30.6968% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 3,446 |
| Loan loss allowance to noncurrent loans | 201.7804% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 1.9923% | 468 |
| Noncurrent loans to loans | 0.5101% | 2,750 |
| Net loans and leases to total assets | 75.7425% | 1,589 |
| Net loans and leases to deposits | 86.5336% | 2,200 |
| Net loans and leases to core deposits | 96.3715% | 2,029 |
| Total domestic deposits to total assets | 87.5295% | 1,325 |
| Equity capital to assets | 10.4480% | 3,564 |
| Core capital (leverage) ratio | 9.6384% | 3,991 |
| Tier 1 risk-based capital ratio | 11.3514% | 4,768 |
| Total risk-based capital ratio | 12.2963% | 4,805 |
| Memoranda: | ||
| Average total assets | $86,343,000 | 4,275 |
| Average earning assets | $80,432,330 | 4,258 |
| Average equity | $8,699,330 | 4,483 |
| Average total loans | $65,425,670 | 3,942 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 2,149 |
| Cost of funding earning assets | 0.6356% | 3,380 |
| Net interest margin | 4.0870% | 1,585 |
| Noninterest income to average assets | 0.4401% | 2,911 |
| Noninterest expense to average assets | 2.9323% | 2,178 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2971% | 1,704 |
| Return on assets (ROA) | 1.2971% | 1,745 |
| Pretax return on assets | 1.3202% | 2,376 |
| Return on Equity (ROE) | 13.1163% | 1,173 |
| Retained earnings to average equity (ytd only) | 8.1508% | 1,603 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9542% | 2,504 |
| Assets per employee ($millions) | 3.2885% | 4,752 |
| Cash dividends to net income (ytd only)* | 37.8571% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 2,876 |
| Loan loss allowance to noncurrent loans | 57.6378% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 2.8058% | 237 |
| Noncurrent loans to loans | 1.9891% | 749 |
| Net loans and leases to total assets | 73.8211% | 1,839 |
| Net loans and leases to deposits | 83.3877% | 2,454 |
| Net loans and leases to core deposits | 93.2952% | 2,187 |
| Total domestic deposits to total assets | 88.5275% | 1,075 |
| Equity capital to assets | 10.1731% | 3,656 |
| Core capital (leverage) ratio | 9.3944% | 4,258 |
| Tier 1 risk-based capital ratio | 11.4013% | 4,783 |
| Total risk-based capital ratio | 12.4478% | 4,794 |
| Memoranda: | ||
| Average total assets | $86,348,500 | 4,321 |
| Average earning assets | $80,548,000 | 4,298 |
| Average equity | $8,539,000 | 4,534 |
| Average total loans | $65,103,500 | 3,984 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5288% | 2,374 |
| Cost of funding earning assets | 0.5524% | 3,031 |
| Net interest margin | 3.9765% | 2,072 |
| Noninterest income to average assets | 0.3272% | 3,916 |
| Noninterest expense to average assets | 2.8603% | 2,483 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1400% | 2,431 |
| Return on assets (ROA) | 1.1400% | 2,434 |
| Pretax return on assets | 1.1765% | 2,983 |
| Return on Equity (ROE) | 12.1297% | 1,669 |
| Retained earnings to average equity (ytd only) | 2.8747% | 3,963 |
| Net charge-offs to loans | 0.1874% | 1,025 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 8.3902% | 2,898 |
| Efficiency ratio | 70.8557% | 2,063 |
| Assets per employee ($millions) | 3.3537% | 4,700 |
| Cash dividends to net income (ytd only)* | 76.3000% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1031% | 3,081 |
| Loan loss allowance to noncurrent loans | 48.1262% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 3.0196% | 207 |
| Noncurrent loans to loans | 2.2921% | 554 |
| Net loans and leases to total assets | 75.2618% | 1,731 |
| Net loans and leases to deposits | 90.9073% | 1,681 |
| Net loans and leases to core deposits | 98.6323% | 1,822 |
| Total domestic deposits to total assets | 82.7895% | 3,396 |
| Equity capital to assets | 9.6104% | 4,037 |
| Core capital (leverage) ratio | 8.9513% | 4,693 |
| Tier 1 risk-based capital ratio | 10.7768% | 5,081 |
| Total risk-based capital ratio | 11.7880% | 5,065 |
| Memoranda: | ||
| Average total assets | $87,719,400 | 4,304 |
| Average earning assets | $81,831,400 | 4,292 |
| Average equity | $8,244,200 | 4,571 |
| Average total loans | $65,644,000 | 3,974 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4446% | 2,479 |
| Cost of funding earning assets | 0.5204% | 3,056 |
| Net interest margin | 3.9242% | 2,219 |
| Noninterest income to average assets | 0.3248% | 3,971 |
| Noninterest expense to average assets | 2.7835% | 2,692 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1701% | 2,361 |
| Return on assets (ROA) | 1.1701% | 2,373 |
| Pretax return on assets | 1.2035% | 2,968 |
| Return on Equity (ROE) | 12.5206% | 1,605 |
| Retained earnings to average equity (ytd only) | 4.2223% | 3,663 |
| Net charge-offs to loans | 0.2505% | 676 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 6.4470% | 2,886 |
| Efficiency ratio | 69.8135% | 2,227 |
| Assets per employee ($millions) | 3.3848% | 4,699 |
| Cash dividends to net income (ytd only)* | 66.2782% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1012% | 3,183 |
| Loan loss allowance to noncurrent loans | 46.2121% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 3.0010% | 242 |
| Noncurrent loans to loans | 2.3829% | 566 |
| Net loans and leases to total assets | 74.7014% | 1,875 |
| Net loans and leases to deposits | 89.9022% | 1,911 |
| Net loans and leases to core deposits | 97.9513% | 1,938 |
| Total domestic deposits to total assets | 83.0919% | 3,273 |
| Equity capital to assets | 9.4665% | 4,112 |
| Core capital (leverage) ratio | 9.0096% | 4,695 |
| Tier 1 risk-based capital ratio | 10.8239% | 5,121 |
| Total risk-based capital ratio | 11.8367% | 5,129 |
| Memoranda: | ||
| Average total assets | $87,850,000 | 4,352 |
| Average earning assets | $81,984,500 | 4,328 |
| Average equity | $8,210,250 | 4,623 |
| Average total loans | $65,465,500 | 4,009 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3850% | 2,472 |
| Cost of funding earning assets | 0.4932% | 3,054 |
| Net interest margin | 3.8918% | 2,228 |
| Noninterest income to average assets | 0.2984% | 4,182 |
| Noninterest expense to average assets | 2.8201% | 2,602 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0866% | 2,632 |
| Return on assets (ROA) | 1.0866% | 2,644 |
| Pretax return on assets | 1.1094% | 3,277 |
| Return on Equity (ROE) | 11.6769% | 1,849 |
| Retained earnings to average equity (ytd only) | 1.9339% | 4,481 |
| Net charge-offs to loans | 0.3654% | 431 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 4.0924% | 2,822 |
| Efficiency ratio | 71.7681% | 2,038 |
| Assets per employee ($millions) | 3.3929% | 4,726 |
| Cash dividends to net income (ytd only)* | 83.4382% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 3,182 |
| Loan loss allowance to noncurrent loans | 75.6423% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 2.2967% | 404 |
| Noncurrent loans to loans | 1.4736% | 1,143 |
| Net loans and leases to total assets | 74.0169% | 1,943 |
| Net loans and leases to deposits | 87.0668% | 2,212 |
| Net loans and leases to core deposits | 94.6468% | 2,163 |
| Total domestic deposits to total assets | 85.0116% | 2,668 |
| Equity capital to assets | 9.2943% | 4,284 |
| Core capital (leverage) ratio | 8.8617% | 4,828 |
| Tier 1 risk-based capital ratio | 10.6816% | 5,199 |
| Total risk-based capital ratio | 11.7102% | 5,186 |
| Memoranda: | ||
| Average total assets | $87,798,330 | 4,384 |
| Average earning assets | $81,915,670 | 4,366 |
| Average equity | $8,170,000 | 4,670 |
| Average total loans | $65,129,670 | 4,040 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3762% | 2,277 |
| Cost of funding earning assets | 0.4656% | 3,082 |
| Net interest margin | 3.9107% | 2,006 |
| Noninterest income to average assets | 0.2466% | 4,524 |
| Noninterest expense to average assets | 2.7766% | 2,786 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1143% | 2,359 |
| Return on assets (ROA) | 1.1143% | 2,381 |
| Pretax return on assets | 1.1143% | 3,120 |
| Return on Equity (ROE) | 11.9674% | 1,590 |
| Retained earnings to average equity (ytd only) | -4.3161% | 5,161 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3615% | 2,288 |
| Assets per employee ($millions) | 3.4960% | 4,669 |
| Cash dividends to net income (ytd only)* | 136.0656% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 2,080 |
| Loan loss allowance to noncurrent loans | 126.6667% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 1.9771% | 583 |
| Noncurrent loans to loans | 1.0544% | 1,738 |
| Net loans and leases to total assets | 72.2686% | 2,122 |
| Net loans and leases to deposits | 87.3876% | 2,006 |
| Net loans and leases to core deposits | 94.9405% | 2,062 |
| Total domestic deposits to total assets | 82.6989% | 3,758 |
| Equity capital to assets | 9.1889% | 4,376 |
| Core capital (leverage) ratio | 8.6162% | 5,048 |
| Tier 1 risk-based capital ratio | 10.7067% | 5,282 |
| Total risk-based capital ratio | 11.9314% | 5,183 |
| Memoranda: | ||
| Average total assets | $87,590,000 | 4,440 |
| Average earning assets | $81,623,000 | 4,411 |
| Average equity | $8,155,500 | 4,719 |
| Average total loans | $64,679,500 | 4,079 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2485% | 2,504 |
| Cost of funding earning assets | 0.4198% | 3,052 |
| Net interest margin | 3.8288% | 2,325 |
| Noninterest income to average assets | 0.2795% | 4,460 |
| Noninterest expense to average assets | 2.7192% | 3,065 |
| Loan and lease loss provision to assets | 0.2227% | 887 |
| Net operating income to assets | 0.9120% | 2,647 |
| Return on assets (ROA) | 0.9120% | 2,673 |
| Pretax return on assets | 0.9331% | 3,795 |
| Return on Equity (ROE) | 9.9786% | 1,897 |
| Retained earnings to average equity (ytd only) | 4.8004% | 2,258 |
| Net charge-offs to loans | 0.3036% | 853 |
| Credit loss provision to net charge-offs | 98.5222% | 2,636 |
| Earnings coverage of net charge-offs (x) | 5.1133% | 3,377 |
| Efficiency ratio | 70.1724% | 2,520 |
| Assets per employee ($millions) | 3.8166% | 4,261 |
| Cash dividends to net income (ytd only)* | 51.8926% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 2,172 |
| Loan loss allowance to noncurrent loans | 124.8175% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 2.3160% | 427 |
| Noncurrent loans to loans | 1.0483% | 1,696 |
| Net loans and leases to total assets | 73.4635% | 2,011 |
| Net loans and leases to deposits | 90.6595% | 1,692 |
| Net loans and leases to core deposits | 100.6964% | 1,659 |
| Total domestic deposits to total assets | 81.0323% | 4,114 |
| Equity capital to assets | 9.4326% | 4,292 |
| Core capital (leverage) ratio | 8.5975% | 5,044 |
| Tier 1 risk-based capital ratio | 10.5456% | 5,355 |
| Total risk-based capital ratio | 11.7378% | 5,278 |
| Memoranda: | ||
| Average total assets | $89,804,600 | 4,429 |
| Average earning assets | $84,335,200 | 4,395 |
| Average equity | $8,207,600 | 4,754 |
| Average total loans | $66,853,600 | 4,035 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1902% | 2,650 |
| Cost of funding earning assets | 0.4156% | 3,037 |
| Net interest margin | 3.7746% | 2,485 |
| Noninterest income to average assets | 0.3706% | 3,874 |
| Noninterest expense to average assets | 2.6560% | 3,228 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2387% | 1,549 |
| Return on assets (ROA) | 1.2387% | 1,578 |
| Pretax return on assets | 1.2682% | 2,631 |
| Return on Equity (ROE) | 13.6594% | 900 |
| Retained earnings to average equity (ytd only) | 8.9055% | 876 |
| Net charge-offs to loans | 0.1031% | 1,756 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 16.5195% | 2,166 |
| Efficiency ratio | 67.6825% | 2,932 |
| Assets per employee ($millions) | 3.7492% | 4,375 |
| Cash dividends to net income (ytd only)* | 34.8030% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 2,915 |
| Loan loss allowance to noncurrent loans | 49.9071% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 2.5872% | 401 |
| Noncurrent loans to loans | 2.4117% | 648 |
| Net loans and leases to total assets | 73.5275% | 1,992 |
| Net loans and leases to deposits | 88.6234% | 1,972 |
| Net loans and leases to core deposits | 100.9075% | 1,631 |
| Total domestic deposits to total assets | 82.9662% | 3,463 |
| Equity capital to assets | 9.5666% | 4,379 |
| Core capital (leverage) ratio | 8.7781% | 4,993 |
| Tier 1 risk-based capital ratio | 10.5110% | 5,446 |
| Total risk-based capital ratio | 11.6089% | 5,431 |
| Memoranda: | ||
| Average total assets | $90,310,500 | 4,461 |
| Average earning assets | $85,021,250 | 4,417 |
| Average equity | $8,189,500 | 4,804 |
| Average total loans | $67,231,500 | 4,057 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1640% | 2,612 |
| Cost of funding earning assets | 0.4248% | 2,852 |
| Net interest margin | 3.7391% | 2,517 |
| Noninterest income to average assets | 0.3340% | 4,156 |
| Noninterest expense to average assets | 2.6720% | 3,192 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1723% | 1,697 |
| Return on assets (ROA) | 1.1723% | 1,735 |
| Pretax return on assets | 1.1856% | 2,824 |
| Return on Equity (ROE) | 13.1677% | 994 |
| Retained earnings to average equity (ytd only) | 8.9193% | 864 |
| Net charge-offs to loans | -0.0119% | 4,593 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2661% | 2,808 |
| Assets per employee ($millions) | 3.7615% | 4,336 |
| Cash dividends to net income (ytd only)* | 32.2642% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 2,396 |
| Loan loss allowance to noncurrent loans | 59.6953% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 2.4215% | 464 |
| Noncurrent loans to loans | 2.1830% | 743 |
| Net loans and leases to total assets | 72.3168% | 2,147 |
| Net loans and leases to deposits | 85.6554% | 2,265 |
| Net loans and leases to core deposits | 101.0369% | 1,585 |
| Total domestic deposits to total assets | 84.4276% | 3,040 |
| Equity capital to assets | 9.3392% | 4,575 |
| Core capital (leverage) ratio | 8.5852% | 5,155 |
| Tier 1 risk-based capital ratio | 10.3418% | 5,523 |
| Total risk-based capital ratio | 11.5260% | 5,486 |
| Memoranda: | ||
| Average total assets | $90,420,670 | 4,490 |
| Average earning assets | $85,207,330 | 4,443 |
| Average equity | $8,050,000 | 4,854 |
| Average total loans | $67,320,000 | 4,079 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1570% | 2,441 |
| Cost of funding earning assets | 0.4307% | 2,714 |
| Net interest margin | 3.7263% | 2,394 |
| Noninterest income to average assets | 0.3492% | 4,051 |
| Noninterest expense to average assets | 2.6035% | 3,489 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2819% | 1,289 |
| Return on assets (ROA) | 1.2819% | 1,323 |
| Pretax return on assets | 1.2642% | 2,374 |
| Return on Equity (ROE) | 14.7592% | 681 |
| Retained earnings to average equity (ytd only) | 8.5502% | 1,258 |
| Net charge-offs to loans | -0.0236% | 4,826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3143% | 3,298 |
| Assets per employee ($millions) | 3.6815% | 4,533 |
| Cash dividends to net income (ytd only)* | 42.0690% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 2,489 |
| Loan loss allowance to noncurrent loans | 83.9338% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 1.6241% | 959 |
| Noncurrent loans to loans | 1.5610% | 1,259 |
| Net loans and leases to total assets | 73.4848% | 1,823 |
| Net loans and leases to deposits | 88.1050% | 1,782 |
| Net loans and leases to core deposits | 105.4179% | 1,144 |
| Total domestic deposits to total assets | 83.4060% | 3,700 |
| Equity capital to assets | 9.0734% | 4,739 |
| Core capital (leverage) ratio | 8.1872% | 5,461 |
| Tier 1 risk-based capital ratio | 10.2315% | 5,639 |
| Total risk-based capital ratio | 11.4336% | 5,607 |
| Memoranda: | ||
| Average total assets | $90,493,500 | 4,533 |
| Average earning assets | $85,446,000 | 4,485 |
| Average equity | $7,859,500 | 4,923 |
| Average total loans | $67,907,000 | 4,096 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1845% | 2,539 |
| Cost of funding earning assets | 0.3737% | 3,280 |
| Net interest margin | 3.8109% | 2,279 |
| Noninterest income to average assets | 0.4430% | 3,594 |
| Noninterest expense to average assets | 2.7252% | 3,263 |
| Loan and lease loss provision to assets | 0.5002% | 279 |
| Net operating income to assets | 0.7937% | 3,337 |
| Return on assets (ROA) | 0.7937% | 3,436 |
| Pretax return on assets | 0.8278% | 4,101 |
| Return on Equity (ROE) | 8.4425% | 2,712 |
| Retained earnings to average equity (ytd only) | -4.4668% | 5,656 |
| Net charge-offs to loans | 0.3728% | 728 |
| Credit loss provision to net charge-offs | 179.1339% | 1,562 |
| Earnings coverage of net charge-offs (x) | 4.7559% | 3,452 |
| Efficiency ratio | 67.1006% | 3,419 |
| Assets per employee ($millions) | 3.7052% | 4,464 |
| Cash dividends to net income (ytd only)* | 152.9086% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 2,972 |
| Loan loss allowance to noncurrent loans | 120.5056% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.8356% | 2,257 |
| Noncurrent loans to loans | 1.0168% | 2,056 |
| Net loans and leases to total assets | 74.6680% | 1,748 |
| Net loans and leases to deposits | 93.8951% | 1,206 |
| Net loans and leases to core deposits | 117.1137% | 575 |
| Total domestic deposits to total assets | 79.5228% | 4,675 |
| Equity capital to assets | 8.3148% | 5,410 |
| Core capital (leverage) ratio | 7.7845% | 5,689 |
| Tier 1 risk-based capital ratio | 9.5073% | 5,816 |
| Total risk-based capital ratio | 10.6452% | 5,826 |
| Memoranda: | ||
| Average total assets | $90,967,200 | 4,527 |
| Average earning assets | $86,174,800 | 4,470 |
| Average equity | $8,552,000 | 4,831 |
| Average total loans | $68,141,800 | 4,088 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1518% | 2,676 |
| Cost of funding earning assets | 0.3588% | 3,449 |
| Net interest margin | 3.7930% | 2,354 |
| Noninterest income to average assets | 0.4606% | 3,486 |
| Noninterest expense to average assets | 2.6974% | 3,355 |
| Loan and lease loss provision to assets | 0.1251% | 1,862 |
| Net operating income to assets | 1.1817% | 1,699 |
| Return on assets (ROA) | 1.1817% | 1,804 |
| Pretax return on assets | 1.2317% | 2,696 |
| Return on Equity (ROE) | 12.1429% | 1,276 |
| Retained earnings to average equity (ytd only) | 8.1204% | 1,124 |
| Net charge-offs to loans | -0.0138% | 4,889 |
| Credit loss provision to net charge-offs | -1,214.2857% | 5,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3521% | 3,531 |
| Assets per employee ($millions) | 3.6515% | 4,571 |
| Cash dividends to net income (ytd only)* | 33.1260% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 4,084 |
| Loan loss allowance to noncurrent loans | 83.4076% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 0.9459% | 2,195 |
| Noncurrent loans to loans | 1.2685% | 1,768 |
| Net loans and leases to total assets | 73.7779% | 1,907 |
| Net loans and leases to deposits | 95.0819% | 1,143 |
| Net loans and leases to core deposits | 109.3122% | 964 |
| Total domestic deposits to total assets | 77.5940% | 4,984 |
| Equity capital to assets | 9.6820% | 4,483 |
| Core capital (leverage) ratio | 8.8085% | 5,043 |
| Tier 1 risk-based capital ratio | 10.8522% | 5,455 |
| Total risk-based capital ratio | 11.8571% | 5,486 |
| Memoranda: | ||
| Average total assets | $90,604,000 | 4,571 |
| Average earning assets | $85,840,000 | 4,510 |
| Average equity | $8,817,000 | 4,835 |
| Average total loans | $67,671,250 | 4,132 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1416% | 2,709 |
| Cost of funding earning assets | 0.3483% | 3,592 |
| Net interest margin | 3.7933% | 2,347 |
| Noninterest income to average assets | 0.3993% | 3,873 |
| Noninterest expense to average assets | 2.7322% | 3,269 |
| Loan and lease loss provision to assets | 0.1234% | 1,846 |
| Net operating income to assets | 1.0924% | 1,983 |
| Return on assets (ROA) | 1.0924% | 2,111 |
| Pretax return on assets | 1.1351% | 3,061 |
| Return on Equity (ROE) | 11.2057% | 1,571 |
| Retained earnings to average equity (ytd only) | 7.1100% | 1,547 |
| Net charge-offs to loans | -0.0150% | 4,838 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1844% | 3,301 |
| Assets per employee ($millions) | 3.6647% | 4,501 |
| Cash dividends to net income (ytd only)* | 36.5503% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 4,282 |
| Loan loss allowance to noncurrent loans | 137.8846% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.8754% | 2,407 |
| Noncurrent loans to loans | 0.7544% | 2,858 |
| Net loans and leases to total assets | 74.4491% | 1,739 |
| Net loans and leases to deposits | 91.6663% | 1,559 |
| Net loans and leases to core deposits | 104.2537% | 1,297 |
| Total domestic deposits to total assets | 81.2175% | 4,213 |
| Equity capital to assets | 9.7842% | 4,469 |
| Core capital (leverage) ratio | 8.8494% | 4,999 |
| Tier 1 risk-based capital ratio | 10.9964% | 5,424 |
| Total risk-based capital ratio | 11.9994% | 5,469 |
| Memoranda: | ||
| Average total assets | $89,159,000 | 4,632 |
| Average earning assets | $84,412,000 | 4,580 |
| Average equity | $8,692,000 | 4,894 |
| Average total loans | $66,630,670 | 4,180 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2107% | 2,428 |
| Cost of funding earning assets | 0.3409% | 3,706 |
| Net interest margin | 3.8698% | 2,039 |
| Noninterest income to average assets | 0.4276% | 3,633 |
| Noninterest expense to average assets | 2.7340% | 3,295 |
| Loan and lease loss provision to assets | 0.1137% | 1,840 |
| Net operating income to assets | 1.2101% | 1,520 |
| Return on assets (ROA) | 1.2101% | 1,622 |
| Pretax return on assets | 1.2464% | 2,521 |
| Return on Equity (ROE) | 12.4357% | 1,172 |
| Retained earnings to average equity (ytd only) | 8.3216% | 1,335 |
| Net charge-offs to loans | -0.0183% | 4,812 |
| Credit loss provision to net charge-offs | -833.3333% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2222% | 3,760 |
| Assets per employee ($millions) | 3.5246% | 4,777 |
| Cash dividends to net income (ytd only)* | 33.0827% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 4,395 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 74.0138% | 1,727 |
| Net loans and leases to deposits | 89.9819% | 1,581 |
| Net loans and leases to core deposits | 98.9681% | 1,566 |
| Total domestic deposits to total assets | 82.2541% | 4,126 |
| Equity capital to assets | 9.8858% | 4,231 |
| Core capital (leverage) ratio | 8.9616% | 4,909 |
| Tier 1 risk-based capital ratio | 11.5660% | 5,189 |
| Total risk-based capital ratio | 12.5911% | 5,220 |
| Memoranda: | ||
| Average total assets | $87,930,000 | 4,697 |
| Average earning assets | $83,312,500 | 4,638 |
| Average equity | $8,556,000 | 4,942 |
| Average total loans | $65,483,500 | 4,231 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3193% | 2,154 |
| Cost of funding earning assets | 0.3403% | 3,790 |
| Net interest margin | 3.9791% | 1,789 |
| Noninterest income to average assets | 0.4350% | 3,786 |
| Noninterest expense to average assets | 2.9307% | 2,762 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1866% | 1,601 |
| Return on assets (ROA) | 1.1932% | 1,649 |
| Pretax return on assets | 1.2778% | 2,368 |
| Return on Equity (ROE) | 11.7422% | 1,373 |
| Retained earnings to average equity (ytd only) | -1.0412% | 5,664 |
| Net charge-offs to loans | -0.0203% | 5,272 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5008% | 3,985 |
| Assets per employee ($millions) | 3.6560% | 4,553 |
| Cash dividends to net income (ytd only)* | 108.8670% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0098% | 4,546 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 73.4033% | 1,825 |
| Net loans and leases to deposits | 88.6416% | 1,789 |
| Net loans and leases to core deposits | 99.7630% | 1,519 |
| Total domestic deposits to total assets | 82.8091% | 3,903 |
| Equity capital to assets | 9.5744% | 4,469 |
| Core capital (leverage) ratio | 9.0824% | 4,774 |
| Tier 1 risk-based capital ratio | 11.3578% | 5,338 |
| Total risk-based capital ratio | 12.3462% | 5,373 |
| Memoranda: | ||
| Average total assets | $85,066,200 | 4,766 |
| Average earning assets | $80,521,400 | 4,703 |
| Average equity | $8,644,000 | 4,922 |
| Average total loans | $63,992,200 | 4,263 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3288% | 2,142 |
| Cost of funding earning assets | 0.3404% | 3,856 |
| Net interest margin | 3.9884% | 1,737 |
| Noninterest income to average assets | 0.4376% | 3,816 |
| Noninterest expense to average assets | 2.9574% | 2,649 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1650% | 1,778 |
| Return on assets (ROA) | 1.1738% | 1,810 |
| Pretax return on assets | 1.2654% | 2,530 |
| Return on Equity (ROE) | 11.3805% | 1,580 |
| Retained earnings to average equity (ytd only) | 6.4944% | 1,961 |
| Net charge-offs to loans | -0.0209% | 5,222 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0544% | 4,053 |
| Assets per employee ($millions) | 3.5585% | 4,689 |
| Cash dividends to net income (ytd only)* | 42.9339% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 4,696 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 75.0530% | 1,536 |
| Net loans and leases to deposits | 91.9496% | 1,411 |
| Net loans and leases to core deposits | 97.3217% | 1,759 |
| Total domestic deposits to total assets | 81.6240% | 4,283 |
| Equity capital to assets | 10.4198% | 3,688 |
| Core capital (leverage) ratio | 9.6748% | 4,064 |
| Tier 1 risk-based capital ratio | 12.2646% | 4,911 |
| Total risk-based capital ratio | 13.2602% | 4,992 |
| Memoranda: | ||
| Average total assets | $84,396,750 | 4,840 |
| Average earning assets | $79,897,000 | 4,781 |
| Average equity | $8,704,750 | 4,976 |
| Average total loans | $63,724,250 | 4,316 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3208% | 2,108 |
| Cost of funding earning assets | 0.3416% | 3,900 |
| Net interest margin | 3.9791% | 1,705 |
| Noninterest income to average assets | 0.4187% | 3,936 |
| Noninterest expense to average assets | 2.9479% | 2,726 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1314% | 1,835 |
| Return on assets (ROA) | 1.1444% | 1,872 |
| Pretax return on assets | 1.2539% | 2,534 |
| Return on Equity (ROE) | 11.1343% | 1,638 |
| Retained earnings to average equity (ytd only) | 7.3148% | 1,565 |
| Net charge-offs to loans | 0.0063% | 3,681 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 260.5000% | 264 |
| Efficiency ratio | 64.2045% | 4,321 |
| Assets per employee ($millions) | 3.4944% | 4,799 |
| Cash dividends to net income (ytd only)* | 34.3035% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 4,774 |
| Loan loss allowance to noncurrent loans | 2,568.0000% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 5,759 |
| Noncurrent loans to loans | 0.0397% | 5,591 |
| Net loans and leases to total assets | 74.3648% | 1,601 |
| Net loans and leases to deposits | 85.3814% | 2,121 |
| Net loans and leases to core deposits | 90.7789% | 2,265 |
| Total domestic deposits to total assets | 87.0971% | 2,114 |
| Equity capital to assets | 10.4167% | 3,541 |
| Core capital (leverage) ratio | 9.7094% | 3,985 |
| Tier 1 risk-based capital ratio | 11.9568% | 5,180 |
| Total risk-based capital ratio | 12.9238% | 5,268 |
| Memoranda: | ||
| Average total assets | $84,060,670 | 4,893 |
| Average earning assets | $79,615,670 | 4,836 |
| Average equity | $8,640,000 | 5,027 |
| Average total loans | $63,381,330 | 4,359 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3542% | 1,928 |
| Cost of funding earning assets | 0.3461% | 3,906 |
| Net interest margin | 4.0081% | 1,525 |
| Noninterest income to average assets | 0.3992% | 4,010 |
| Noninterest expense to average assets | 2.9706% | 2,670 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0684% | 1,976 |
| Return on assets (ROA) | 1.0932% | 2,003 |
| Pretax return on assets | 1.2548% | 2,448 |
| Return on Equity (ROE) | 10.7076% | 1,731 |
| Retained earnings to average equity (ytd only) | 6.8901% | 2,057 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5527% | 4,388 |
| Assets per employee ($millions) | 3.6188% | 4,685 |
| Cash dividends to net income (ytd only)* | 35.6522% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 4,894 |
| Loan loss allowance to noncurrent loans | 2,476.9231% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 5,787 |
| Noncurrent loans to loans | 0.0414% | 5,617 |
| Net loans and leases to total assets | 74.6612% | 1,407 |
| Net loans and leases to deposits | 85.7995% | 1,852 |
| Net loans and leases to core deposits | 91.4781% | 1,986 |
| Total domestic deposits to total assets | 87.0182% | 2,358 |
| Equity capital to assets | 10.4371% | 3,602 |
| Core capital (leverage) ratio | 9.3531% | 4,490 |
| Tier 1 risk-based capital ratio | 11.8754% | 5,322 |
| Total risk-based capital ratio | 12.8625% | 5,404 |
| Memoranda: | ||
| Average total assets | $84,158,500 | 4,935 |
| Average earning assets | $79,739,000 | 4,870 |
| Average equity | $8,592,000 | 5,080 |
| Average total loans | $63,568,000 | 4,375 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6387% | 1,449 |
| Cost of funding earning assets | 0.3642% | 4,095 |
| Net interest margin | 4.2745% | 1,103 |
| Noninterest income to average assets | 0.4374% | 3,920 |
| Noninterest expense to average assets | 3.0558% | 2,664 |
| Loan and lease loss provision to assets | 0.0421% | 3,735 |
| Net operating income to assets | 1.3170% | 1,271 |
| Return on assets (ROA) | 1.3170% | 1,312 |
| Pretax return on assets | 1.3735% | 1,985 |
| Return on Equity (ROE) | 13.0610% | 1,122 |
| Retained earnings to average equity (ytd only) | -0.0596% | 5,775 |
| Net charge-offs to loans | -0.0064% | 5,501 |
| Credit loss provision to net charge-offs | -875.0000% | 5,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4832% | 4,832 |
| Assets per employee ($millions) | 3.6993% | 4,525 |
| Cash dividends to net income (ytd only)* | 100.4562% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 5,054 |
| Loan loss allowance to noncurrent loans | 2,385.1852% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 5,891 |
| Noncurrent loans to loans | 0.0420% | 5,706 |
| Net loans and leases to total assets | 74.8734% | 1,439 |
| Net loans and leases to deposits | 88.3358% | 1,698 |
| Net loans and leases to core deposits | 97.8241% | 1,565 |
| Total domestic deposits to total assets | 84.7599% | 3,386 |
| Equity capital to assets | 9.9865% | 4,129 |
| Core capital (leverage) ratio | 9.0816% | 4,849 |
| Tier 1 risk-based capital ratio | 10.0458% | 6,248 |
| Total risk-based capital ratio | 10.9102% | 6,306 |
| Memoranda: | ||
| Average total assets | $83,219,000 | 4,980 |
| Average earning assets | $78,534,800 | 4,912 |
| Average equity | $8,391,400 | 5,107 |
| Average total loans | $62,230,800 | 4,421 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6795% | 1,358 |
| Cost of funding earning assets | 0.3675% | 4,151 |
| Net interest margin | 4.3120% | 1,028 |
| Noninterest income to average assets | 0.4399% | 3,957 |
| Noninterest expense to average assets | 3.0725% | 2,555 |
| Loan and lease loss provision to assets | 0.0467% | 3,450 |
| Net operating income to assets | 1.3308% | 1,288 |
| Return on assets (ROA) | 1.3308% | 1,346 |
| Pretax return on assets | 1.3856% | 2,064 |
| Return on Equity (ROE) | 13.1657% | 1,181 |
| Retained earnings to average equity (ytd only) | 0.6375% | 5,614 |
| Net charge-offs to loans | -0.0022% | 5,196 |
| Credit loss provision to net charge-offs | -2,900.0000% | 6,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3391% | 4,840 |
| Assets per employee ($millions) | 3.4964% | 4,867 |
| Cash dividends to net income (ytd only)* | 95.1567% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 5,219 |
| Loan loss allowance to noncurrent loans | 12,700.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 6,181 |
| Noncurrent loans to loans | 0.0079% | 6,010 |
| Net loans and leases to total assets | 74.8802% | 1,382 |
| Net loans and leases to deposits | 85.6109% | 1,951 |
| Net loans and leases to core deposits | 94.6296% | 1,793 |
| Total domestic deposits to total assets | 87.4657% | 2,051 |
| Equity capital to assets | 10.0329% | 4,127 |
| Core capital (leverage) ratio | 9.0647% | 4,976 |
| Tier 1 risk-based capital ratio | 10.2783% | 6,273 |
| Total risk-based capital ratio | 11.1514% | 6,338 |
| Memoranda: | ||
| Average total assets | $82,752,500 | 5,050 |
| Average earning assets | $78,013,000 | 4,980 |
| Average equity | $8,365,000 | 5,155 |
| Average total loans | $61,701,000 | 4,472 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6629% | 1,366 |
| Cost of funding earning assets | 0.3634% | 4,278 |
| Net interest margin | 4.2995% | 1,026 |
| Noninterest income to average assets | 0.4274% | 4,043 |
| Noninterest expense to average assets | 3.0717% | 2,591 |
| Loan and lease loss provision to assets | 0.0607% | 3,059 |
| Net operating income to assets | 1.2967% | 1,320 |
| Return on assets (ROA) | 1.2967% | 1,369 |
| Pretax return on assets | 1.3452% | 2,099 |
| Return on Equity (ROE) | 12.7950% | 1,233 |
| Retained earnings to average equity (ytd only) | 3.5462% | 3,943 |
| Net charge-offs to loans | 0.0065% | 4,154 |
| Credit loss provision to net charge-offs | 1,250.0000% | 278 |
| Earnings coverage of net charge-offs (x) | 289.5000% | 235 |
| Efficiency ratio | 62.6898% | 4,912 |
| Assets per employee ($millions) | 3.4718% | 4,901 |
| Cash dividends to net income (ytd only)* | 72.2846% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 5,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 74.7210% | 1,346 |
| Net loans and leases to deposits | 89.6006% | 1,408 |
| Net loans and leases to core deposits | 91.6315% | 1,960 |
| Total domestic deposits to total assets | 83.3933% | 4,157 |
| Equity capital to assets | 10.2410% | 3,771 |
| Core capital (leverage) ratio | 9.2576% | 4,657 |
| Tier 1 risk-based capital ratio | 10.4022% | 6,282 |
| Total risk-based capital ratio | 11.2700% | 6,353 |
| Memoranda: | ||
| Average total assets | $82,365,330 | 5,100 |
| Average earning assets | $77,590,670 | 5,031 |
| Average equity | $8,347,000 | 5,186 |
| Average total loans | $61,111,330 | 4,513 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6283% | 1,429 |
| Cost of funding earning assets | 0.3688% | 4,332 |
| Net interest margin | 4.2595% | 1,080 |
| Noninterest income to average assets | 0.4250% | 3,986 |
| Noninterest expense to average assets | 3.1653% | 2,335 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2310% | 1,396 |
| Return on assets (ROA) | 1.2310% | 1,449 |
| Pretax return on assets | 1.2652% | 2,230 |
| Return on Equity (ROE) | 12.2123% | 1,367 |
| Retained earnings to average equity (ytd only) | 3.4892% | 4,040 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3804% | 4,628 |
| Assets per employee ($millions) | 3.4519% | 5,032 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 5,513 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 72.1757% | 1,552 |
| Net loans and leases to deposits | 82.4040% | 2,011 |
| Net loans and leases to core deposits | 86.9465% | 2,203 |
| Total domestic deposits to total assets | 87.5877% | 2,469 |
| Equity capital to assets | 10.0404% | 3,799 |
| Core capital (leverage) ratio | 9.0084% | 4,999 |
| Tier 1 risk-based capital ratio | 10.4861% | 6,338 |
| Total risk-based capital ratio | 11.3438% | 6,418 |
| Memoranda: | ||
| Average total assets | $81,887,000 | 5,164 |
| Average earning assets | $77,005,000 | 5,092 |
| Average equity | $8,254,000 | 5,229 |
| Average total loans | $60,223,500 | 4,580 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8219% | 1,270 |
| Cost of funding earning assets | 0.4061% | 4,578 |
| Net interest margin | 4.4158% | 889 |
| Noninterest income to average assets | 0.4988% | 3,772 |
| Noninterest expense to average assets | 3.2397% | 2,312 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3362% | 1,165 |
| Return on assets (ROA) | 1.3362% | 1,207 |
| Pretax return on assets | 1.3937% | 1,796 |
| Return on Equity (ROE) | 12.8049% | 1,206 |
| Retained earnings to average equity (ytd only) | -1.7573% | 6,149 |
| Net charge-offs to loans | 0.1293% | 3,518 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 14.4304% | 1,945 |
| Efficiency ratio | 64.1425% | 4,869 |
| Assets per employee ($millions) | 3.2372% | 5,413 |
| Cash dividends to net income (ytd only)* | 113.7237% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 5,531 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 73.4520% | 1,445 |
| Net loans and leases to deposits | 83.9735% | 1,948 |
| Net loans and leases to core deposits | 89.5376% | 2,079 |
| Total domestic deposits to total assets | 87.4705% | 2,485 |
| Equity capital to assets | 10.1200% | 3,602 |
| Core capital (leverage) ratio | 8.9142% | 5,125 |
| Tier 1 risk-based capital ratio | 10.5439% | 6,352 |
| Total risk-based capital ratio | 11.4199% | 6,423 |
| Memoranda: | ||
| Average total assets | $81,796,600 | 5,198 |
| Average earning assets | $76,588,000 | 5,131 |
| Average equity | $8,535,800 | 5,199 |
| Average total loans | $61,090,000 | 4,576 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8217% | 1,300 |
| Cost of funding earning assets | 0.4132% | 4,692 |
| Net interest margin | 4.4085% | 877 |
| Noninterest income to average assets | 0.5284% | 3,604 |
| Noninterest expense to average assets | 3.2043% | 2,355 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3949% | 1,114 |
| Return on assets (ROA) | 1.3949% | 1,162 |
| Pretax return on assets | 1.4518% | 1,759 |
| Return on Equity (ROE) | 13.2677% | 1,181 |
| Retained earnings to average equity (ytd only) | 1.4226% | 5,415 |
| Net charge-offs to loans | 0.1999% | 2,637 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 9.7068% | 2,446 |
| Efficiency ratio | 63.0936% | 4,970 |
| Assets per employee ($millions) | 3.4240% | 5,011 |
| Cash dividends to net income (ytd only)* | 89.2777% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 5,862 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 73.8719% | 1,307 |
| Net loans and leases to deposits | 84.6204% | 1,790 |
| Net loans and leases to core deposits | 90.1484% | 1,951 |
| Total domestic deposits to total assets | 87.2980% | 2,508 |
| Equity capital to assets | 10.2682% | 3,551 |
| Core capital (leverage) ratio | 9.2772% | 4,718 |
| Tier 1 risk-based capital ratio | 10.6631% | 6,406 |
| Total risk-based capital ratio | 11.5096% | 6,495 |
| Memoranda: | ||
| Average total assets | $82,013,500 | 5,242 |
| Average earning assets | $76,789,000 | 5,173 |
| Average equity | $8,622,250 | 5,234 |
| Average total loans | $61,350,500 | 4,608 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8191% | 1,291 |
| Cost of funding earning assets | 0.4222% | 4,734 |
| Net interest margin | 4.3968% | 856 |
| Noninterest income to average assets | 0.4929% | 3,881 |
| Noninterest expense to average assets | 3.2089% | 2,334 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3494% | 1,195 |
| Return on assets (ROA) | 1.3494% | 1,283 |
| Pretax return on assets | 1.4007% | 1,928 |
| Return on Equity (ROE) | 12.7366% | 1,308 |
| Retained earnings to average equity (ytd only) | 3.8463% | 3,853 |
| Net charge-offs to loans | 0.0750% | 3,641 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 24.9565% | 1,279 |
| Efficiency ratio | 63.8433% | 4,890 |
| Assets per employee ($millions) | 3.2648% | 5,343 |
| Cash dividends to net income (ytd only)* | 69.8011% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0720% | 5,545 |
| Loan loss allowance to noncurrent loans | 918.0556% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0882% | 6,230 |
| Noncurrent loans to loans | 0.1168% | 6,041 |
| Net loans and leases to total assets | 74.7354% | 1,139 |
| Net loans and leases to deposits | 85.8101% | 1,593 |
| Net loans and leases to core deposits | 92.0323% | 1,705 |
| Total domestic deposits to total assets | 87.0938% | 2,761 |
| Equity capital to assets | 10.6297% | 3,140 |
| Core capital (leverage) ratio | 9.2496% | 4,623 |
| Tier 1 risk-based capital ratio | 10.5878% | 6,479 |
| Total risk-based capital ratio | 11.5238% | 6,544 |
| Memoranda: | ||
| Average total assets | $81,959,330 | 5,276 |
| Average earning assets | $76,737,000 | 5,206 |
| Average equity | $8,683,670 | 5,252 |
| Average total loans | $61,368,330 | 4,626 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7428% | 1,426 |
| Cost of funding earning assets | 0.4373% | 4,733 |
| Net interest margin | 4.3054% | 961 |
| Noninterest income to average assets | 0.5016% | 3,758 |
| Noninterest expense to average assets | 3.3703% | 1,897 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1494% | 1,679 |
| Return on assets (ROA) | 1.1494% | 1,781 |
| Pretax return on assets | 1.1592% | 2,729 |
| Return on Equity (ROE) | 10.8662% | 1,748 |
| Retained earnings to average equity (ytd only) | -2.1640% | 6,094 |
| Net charge-offs to loans | 0.0588% | 3,232 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 26.4444% | 1,025 |
| Efficiency ratio | 68.4946% | 4,222 |
| Assets per employee ($millions) | 3.0599% | 5,892 |
| Cash dividends to net income (ytd only)* | 119.9153% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 5,502 |
| Loan loss allowance to noncurrent loans | 1,007.4627% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 6,278 |
| Noncurrent loans to loans | 0.1118% | 6,145 |
| Net loans and leases to total assets | 71.7246% | 1,398 |
| Net loans and leases to deposits | 82.2132% | 1,796 |
| Net loans and leases to core deposits | 89.4147% | 1,763 |
| Total domestic deposits to total assets | 87.2422% | 2,800 |
| Equity capital to assets | 10.4750% | 3,569 |
| Core capital (leverage) ratio | 8.9007% | 5,056 |
| Tier 1 risk-based capital ratio | 10.7679% | 6,501 |
| Total risk-based capital ratio | 11.7761% | 6,546 |
| Memoranda: | ||
| Average total assets | $82,129,000 | 5,317 |
| Average earning assets | $76,833,000 | 5,241 |
| Average equity | $8,687,500 | 5,308 |
| Average total loans | $61,222,500 | 4,662 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2416% | 1,037 |
| Cost of funding earning assets | 0.5705% | 4,641 |
| Net interest margin | 4.6711% | 688 |
| Noninterest income to average assets | 0.6088% | 3,233 |
| Noninterest expense to average assets | 3.4062% | 2,029 |
| Loan and lease loss provision to assets | 0.1942% | 3,208 |
| Net operating income to assets | 1.2960% | 1,312 |
| Return on assets (ROA) | 1.2960% | 1,464 |
| Pretax return on assets | 1.3508% | 2,207 |
| Return on Equity (ROE) | 11.8985% | 1,537 |
| Retained earnings to average equity (ytd only) | 0.6858% | 5,526 |
| Net charge-offs to loans | 0.0535% | 5,183 |
| Credit loss provision to net charge-offs | 472.7273% | 513 |
| Earnings coverage of net charge-offs (x) | 37.6061% | 849 |
| Efficiency ratio | 63.2889% | 5,020 |
| Assets per employee ($millions) | 3.0238% | 5,981 |
| Cash dividends to net income (ytd only)* | 94.2363% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 5,577 |
| Loan loss allowance to noncurrent loans | 1,020.8955% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.1629% | 6,152 |
| Noncurrent loans to loans | 0.1072% | 6,219 |
| Net loans and leases to total assets | 75.7331% | 957 |
| Net loans and leases to deposits | 86.9804% | 1,390 |
| Net loans and leases to core deposits | 94.4907% | 1,428 |
| Total domestic deposits to total assets | 87.0692% | 2,806 |
| Equity capital to assets | 10.6820% | 3,309 |
| Core capital (leverage) ratio | 9.0426% | 4,825 |
| Tier 1 risk-based capital ratio | 10.3228% | 6,607 |
| Total risk-based capital ratio | 11.3034% | 6,655 |
| Memoranda: | ||
| Average total assets | $80,323,000 | 5,345 |
| Average earning assets | $74,672,400 | 5,291 |
| Average equity | $8,749,000 | 5,287 |
| Average total loans | $61,707,600 | 4,649 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2571% | 1,084 |
| Cost of funding earning assets | 0.5977% | 4,678 |
| Net interest margin | 4.6594% | 733 |
| Noninterest income to average assets | 0.6184% | 3,164 |
| Noninterest expense to average assets | 3.4485% | 1,886 |
| Loan and lease loss provision to assets | 0.2100% | 2,969 |
| Net operating income to assets | 1.2367% | 1,611 |
| Return on assets (ROA) | 1.2367% | 1,783 |
| Pretax return on assets | 1.2867% | 2,655 |
| Return on Equity (ROE) | 11.2987% | 1,857 |
| Retained earnings to average equity (ytd only) | 2.0557% | 5,294 |
| Net charge-offs to loans | 0.3945% | 2,511 |
| Credit loss provision to net charge-offs | 69.2308% | 3,927 |
| Earnings coverage of net charge-offs (x) | 4.9341% | 3,160 |
| Efficiency ratio | 64.2063% | 4,777 |
| Assets per employee ($millions) | 2.9589% | 6,115 |
| Cash dividends to net income (ytd only)* | 81.8055% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7999% | 6,601 |
| Loan loss allowance to noncurrent loans | 130.4910% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.4844% | 5,459 |
| Noncurrent loans to loans | 0.6130% | 5,210 |
| Net loans and leases to total assets | 78.3928% | 679 |
| Net loans and leases to deposits | 90.5173% | 1,096 |
| Net loans and leases to core deposits | 98.1784% | 1,252 |
| Total domestic deposits to total assets | 86.6053% | 2,920 |
| Equity capital to assets | 10.9889% | 3,296 |
| Core capital (leverage) ratio | 9.0887% | 4,929 |
| Tier 1 risk-based capital ratio | 10.3552% | 6,712 |
| Total risk-based capital ratio | 11.0792% | 6,820 |
| Memoranda: | ||
| Average total assets | $79,993,250 | 5,401 |
| Average earning assets | $74,285,750 | 5,359 |
| Average equity | $8,756,000 | 5,337 |
| Average total loans | $61,506,000 | 4,707 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2204% | 1,198 |
| Cost of funding earning assets | 0.6297% | 4,628 |
| Net interest margin | 4.5907% | 845 |
| Noninterest income to average assets | 0.5323% | 3,710 |
| Noninterest expense to average assets | 3.4238% | 1,970 |
| Loan and lease loss provision to assets | 0.2399% | 2,665 |
| Net operating income to assets | 1.0921% | 2,071 |
| Return on assets (ROA) | 1.0921% | 2,296 |
| Pretax return on assets | 1.1321% | 3,179 |
| Return on Equity (ROE) | 9.9905% | 2,355 |
| Retained earnings to average equity (ytd only) | 5.6697% | 2,895 |
| Net charge-offs to loans | 0.5872% | 1,849 |
| Credit loss provision to net charge-offs | 53.6313% | 3,961 |
| Earnings coverage of net charge-offs (x) | 3.0670% | 3,519 |
| Efficiency ratio | 65.7113% | 4,586 |
| Assets per employee ($millions) | 2.9363% | 6,172 |
| Cash dividends to net income (ytd only)* | 43.2494% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7606% | 6,746 |
| Loan loss allowance to noncurrent loans | 214.3498% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.2813% | 6,071 |
| Noncurrent loans to loans | 0.3548% | 5,836 |
| Net loans and leases to total assets | 78.6680% | 656 |
| Net loans and leases to deposits | 92.3601% | 911 |
| Net loans and leases to core deposits | 96.4762% | 1,393 |
| Total domestic deposits to total assets | 85.1753% | 3,781 |
| Equity capital to assets | 11.1806% | 2,914 |
| Core capital (leverage) ratio | 9.3649% | 4,350 |
| Tier 1 risk-based capital ratio | 10.7478% | 6,596 |
| Total risk-based capital ratio | 11.4534% | 6,756 |
| Memoranda: | ||
| Average total assets | $80,027,670 | 5,432 |
| Average earning assets | $74,324,330 | 5,386 |
| Average equity | $8,748,330 | 5,339 |
| Average total loans | $60,963,670 | 4,742 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2351% | 1,240 |
| Cost of funding earning assets | 0.6530% | 4,703 |
| Net interest margin | 4.5820% | 851 |
| Noninterest income to average assets | 0.4478% | 4,306 |
| Noninterest expense to average assets | 3.5870% | 1,584 |
| Loan and lease loss provision to assets | 0.0796% | 4,402 |
| Net operating income to assets | 1.0099% | 2,441 |
| Return on assets (ROA) | 1.0099% | 2,630 |
| Pretax return on assets | 1.0398% | 3,535 |
| Return on Equity (ROE) | 9.3435% | 2,663 |
| Retained earnings to average equity (ytd only) | 6.3057% | 2,793 |
| Net charge-offs to loans | 0.1200% | 3,392 |
| Credit loss provision to net charge-offs | 88.8889% | 2,565 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 1,594 |
| Efficiency ratio | 70.4017% | 3,743 |
| Assets per employee ($millions) | 2.9999% | 6,151 |
| Cash dividends to net income (ytd only)* | 32.5123% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9120% | 6,508 |
| Loan loss allowance to noncurrent loans | 122.0524% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.6148% | 5,357 |
| Noncurrent loans to loans | 0.7472% | 5,169 |
| Net loans and leases to total assets | 74.9839% | 923 |
| Net loans and leases to deposits | 87.4626% | 1,234 |
| Net loans and leases to core deposits | 92.9521% | 1,553 |
| Total domestic deposits to total assets | 85.7326% | 3,668 |
| Equity capital to assets | 10.8166% | 3,119 |
| Core capital (leverage) ratio | 8.9298% | 4,945 |
| Tier 1 risk-based capital ratio | 10.6983% | 6,673 |
| Total risk-based capital ratio | 11.5388% | 6,804 |
| Memoranda: | ||
| Average total assets | $80,401,500 | 5,460 |
| Average earning assets | $74,727,000 | 5,411 |
| Average equity | $8,690,500 | 5,366 |
| Average total loans | $60,022,500 | 4,818 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7620% | 688 |
| Cost of funding earning assets | 0.7668% | 5,086 |
| Net interest margin | 4.9953% | 417 |
| Noninterest income to average assets | 0.5311% | 3,645 |
| Noninterest expense to average assets | 3.4783% | 2,039 |
| Loan and lease loss provision to assets | 0.2511% | 3,689 |
| Net operating income to assets | 1.4066% | 1,020 |
| Return on assets (ROA) | 1.4066% | 1,098 |
| Pretax return on assets | 1.4092% | 1,753 |
| Return on Equity (ROE) | 12.6337% | 1,250 |
| Retained earnings to average equity (ytd only) | 1.5231% | 5,129 |
| Net charge-offs to loans | 0.0943% | 5,401 |
| Credit loss provision to net charge-offs | 367.3077% | 631 |
| Earnings coverage of net charge-offs (x) | 24.2885% | 992 |
| Efficiency ratio | 62.2410% | 5,420 |
| Assets per employee ($millions) | 2.9558% | 6,184 |
| Cash dividends to net income (ytd only)* | 87.9439% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9549% | 6,379 |
| Loan loss allowance to noncurrent loans | 132.9384% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.5952% | 5,477 |
| Noncurrent loans to loans | 0.7183% | 5,263 |
| Net loans and leases to total assets | 72.9147% | 1,472 |
| Net loans and leases to deposits | 84.9615% | 1,810 |
| Net loans and leases to core deposits | 89.9175% | 2,141 |
| Total domestic deposits to total assets | 85.8208% | 3,419 |
| Equity capital to assets | 10.8011% | 3,194 |
| Core capital (leverage) ratio | 8.8104% | 5,083 |
| Tier 1 risk-based capital ratio | 10.6395% | 6,630 |
| Total risk-based capital ratio | 11.5016% | 6,762 |
| Memoranda: | ||
| Average total assets | $76,072,200 | 5,563 |
| Average earning assets | $70,166,200 | 5,532 |
| Average equity | $8,469,400 | 5,412 |
| Average total loans | $55,117,800 | 5,071 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8133% | 684 |
| Cost of funding earning assets | 0.7842% | 5,253 |
| Net interest margin | 5.0290% | 391 |
| Noninterest income to average assets | 0.5377% | 3,598 |
| Noninterest expense to average assets | 3.5773% | 1,762 |
| Loan and lease loss provision to assets | 0.1899% | 4,134 |
| Net operating income to assets | 1.4196% | 1,122 |
| Return on assets (ROA) | 1.4196% | 1,189 |
| Pretax return on assets | 1.4018% | 1,941 |
| Return on Equity (ROE) | 12.6503% | 1,372 |
| Retained earnings to average equity (ytd only) | 5.5978% | 2,793 |
| Net charge-offs to loans | 0.0344% | 5,668 |
| Credit loss provision to net charge-offs | 764.2857% | 354 |
| Earnings coverage of net charge-offs (x) | 64.0584% | 515 |
| Efficiency ratio | 63.7487% | 5,118 |
| Assets per employee ($millions) | 2.8751% | 6,359 |
| Cash dividends to net income (ytd only)* | 55.7498% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9392% | 6,486 |
| Loan loss allowance to noncurrent loans | 285.7143% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.4671% | 5,914 |
| Noncurrent loans to loans | 0.3287% | 6,195 |
| Net loans and leases to total assets | 73.3690% | 1,437 |
| Net loans and leases to deposits | 85.8678% | 1,703 |
| Net loans and leases to core deposits | 92.7077% | 1,915 |
| Total domestic deposits to total assets | 85.4442% | 3,529 |
| Equity capital to assets | 11.0268% | 3,120 |
| Core capital (leverage) ratio | 9.3240% | 4,418 |
| Tier 1 risk-based capital ratio | 10.8022% | 6,661 |
| Total risk-based capital ratio | 11.6549% | 6,802 |
| Memoranda: | ||
| Average total assets | $75,138,500 | 5,640 |
| Average earning assets | $69,196,500 | 5,607 |
| Average equity | $8,431,750 | 5,459 |
| Average total loans | $54,209,250 | 5,152 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8488% | 655 |
| Cost of funding earning assets | 0.8148% | 5,275 |
| Net interest margin | 5.0340% | 378 |
| Noninterest income to average assets | 0.5262% | 3,657 |
| Noninterest expense to average assets | 3.5256% | 1,920 |
| Loan and lease loss provision to assets | 0.2672% | 3,265 |
| Net operating income to assets | 1.4288% | 1,026 |
| Return on assets (ROA) | 1.4288% | 1,088 |
| Pretax return on assets | 1.3661% | 1,901 |
| Return on Equity (ROE) | 12.6519% | 1,291 |
| Retained earnings to average equity (ytd only) | 5.7706% | 2,554 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8436% | 5,429 |
| Assets per employee ($millions) | 2.7308% | 6,593 |
| Cash dividends to net income (ytd only)* | 54.3893% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9926% | 6,367 |
| Loan loss allowance to noncurrent loans | 158.1717% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 5,829 |
| Noncurrent loans to loans | 0.6275% | 5,667 |
| Net loans and leases to total assets | 74.4906% | 1,328 |
| Net loans and leases to deposits | 87.8302% | 1,526 |
| Net loans and leases to core deposits | 90.1233% | 2,362 |
| Total domestic deposits to total assets | 84.8121% | 3,962 |
| Equity capital to assets | 11.5338% | 2,471 |
| Core capital (leverage) ratio | 9.2186% | 4,377 |
| Tier 1 risk-based capital ratio | 11.0484% | 6,488 |
| Total risk-based capital ratio | 11.9593% | 6,691 |
| Memoranda: | ||
| Average total assets | $73,350,000 | 5,739 |
| Average earning assets | $67,501,330 | 5,713 |
| Average equity | $8,283,330 | 5,527 |
| Average total loans | $52,404,000 | 5,267 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7238% | 842 |
| Cost of funding earning assets | 0.8289% | 5,401 |
| Net interest margin | 4.8949% | 470 |
| Noninterest income to average assets | 0.5516% | 3,500 |
| Noninterest expense to average assets | 3.6939% | 1,549 |
| Loan and lease loss provision to assets | 0.4959% | 1,764 |
| Net operating income to assets | 1.0809% | 1,906 |
| Return on assets (ROA) | 1.0809% | 1,957 |
| Pretax return on assets | 0.8692% | 3,627 |
| Return on Equity (ROE) | 9.6812% | 2,217 |
| Retained earnings to average equity (ytd only) | 5.2898% | 3,015 |
| Net charge-offs to loans | 0.0161% | 4,855 |
| Credit loss provision to net charge-offs | 4,450.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 122.5000% | 262 |
| Efficiency ratio | 67.5110% | 4,753 |
| Assets per employee ($millions) | 3.0247% | 6,106 |
| Cash dividends to net income (ytd only)* | 45.3608% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 6,383 |
| Loan loss allowance to noncurrent loans | 142.9293% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.5035% | 5,969 |
| Noncurrent loans to loans | 0.7030% | 5,611 |
| Net loans and leases to total assets | 70.9116% | 1,948 |
| Net loans and leases to deposits | 82.7944% | 2,216 |
| Net loans and leases to core deposits | 87.7171% | 2,636 |
| Total domestic deposits to total assets | 85.6478% | 3,712 |
| Equity capital to assets | 10.9062% | 2,771 |
| Core capital (leverage) ratio | 9.1781% | 4,326 |
| Tier 1 risk-based capital ratio | 11.0338% | 6,490 |
| Total risk-based capital ratio | 11.9608% | 6,671 |
| Memoranda: | ||
| Average total assets | $71,794,000 | 5,824 |
| Average earning assets | $66,110,000 | 5,795 |
| Average equity | $8,015,500 | 5,598 |
| Average total loans | $49,842,000 | 5,398 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8550% | 1,140 |
| Cost of funding earning assets | 1.0259% | 5,557 |
| Net interest margin | 4.8291% | 634 |
| Noninterest income to average assets | 0.6867% | 2,923 |
| Noninterest expense to average assets | 3.4333% | 2,346 |
| Loan and lease loss provision to assets | 0.1707% | 5,516 |
| Net operating income to assets | 1.4490% | 858 |
| Return on assets (ROA) | 1.4490% | 925 |
| Pretax return on assets | 1.5382% | 1,279 |
| Return on Equity (ROE) | 10.8258% | 1,635 |
| Retained earnings to average equity (ytd only) | 1.9710% | 4,486 |
| Net charge-offs to loans | 0.0374% | 6,429 |
| Credit loss provision to net charge-offs | 628.5714% | 339 |
| Earnings coverage of net charge-offs (x) | 62.9286% | 381 |
| Efficiency ratio | 64.2776% | 5,299 |
| Assets per employee ($millions) | 2.9520% | 6,206 |
| Cash dividends to net income (ytd only)* | 81.7938% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 5,884 |
| Loan loss allowance to noncurrent loans | 1,347.2222% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 7,092 |
| Noncurrent loans to loans | 0.0830% | 6,924 |
| Net loans and leases to total assets | 66.0035% | 3,468 |
| Net loans and leases to deposits | 79.3462% | 3,283 |
| Net loans and leases to core deposits | 81.8460% | 3,926 |
| Total domestic deposits to total assets | 83.1842% | 4,714 |
| Equity capital to assets | 11.4774% | 2,278 |
| Core capital (leverage) ratio | 9.2737% | 4,060 |
| Tier 1 risk-based capital ratio | 12.0984% | 5,388 |
| Total risk-based capital ratio | 13.0960% | 5,610 |
| Memoranda: | ||
| Average total assets | $51,554,200 | 6,481 |
| Average earning assets | $47,566,200 | 6,451 |
| Average equity | $6,900,200 | 6,068 |
| Average total loans | $37,455,200 | 6,038 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9403% | 1,053 |
| Cost of funding earning assets | 1.0898% | 5,486 |
| Net interest margin | 4.8504% | 606 |
| Noninterest income to average assets | 0.6776% | 2,958 |
| Noninterest expense to average assets | 3.2719% | 2,669 |
| Loan and lease loss provision to assets | 0.2185% | 4,885 |
| Net operating income to assets | 1.5627% | 800 |
| Return on assets (ROA) | 1.5627% | 876 |
| Pretax return on assets | 1.6678% | 1,173 |
| Return on Equity (ROE) | 11.1408% | 1,741 |
| Retained earnings to average equity (ytd only) | 5.2844% | 2,788 |
| Net charge-offs to loans | 0.0519% | 6,004 |
| Credit loss provision to net charge-offs | 564.2857% | 511 |
| Earnings coverage of net charge-offs (x) | 48.7043% | 578 |
| Efficiency ratio | 62.0375% | 5,613 |
| Assets per employee ($millions) | 2.7805% | 6,625 |
| Cash dividends to net income (ytd only)* | 52.5667% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1525% | 5,699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 64.7777% | 3,957 |
| Net loans and leases to deposits | 77.3089% | 3,958 |
| Net loans and leases to core deposits | 77.8172% | 4,822 |
| Total domestic deposits to total assets | 83.7907% | 4,238 |
| Equity capital to assets | 12.0592% | 2,122 |
| Core capital (leverage) ratio | 8.8058% | 4,998 |
| Tier 1 risk-based capital ratio | 13.0803% | 4,516 |
| Total risk-based capital ratio | 14.1381% | 4,648 |
| Memoranda: | ||
| Average total assets | $48,206,500 | 6,678 |
| Average earning assets | $44,531,000 | 6,635 |
| Average equity | $6,761,750 | 6,195 |
| Average total loans | $35,981,250 | 6,204 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8966% | 1,194 |
| Cost of funding earning assets | 1.1713% | 5,281 |
| Net interest margin | 4.7253% | 780 |
| Noninterest income to average assets | 0.6704% | 2,890 |
| Noninterest expense to average assets | 3.1845% | 2,962 |
| Loan and lease loss provision to assets | 0.0838% | 6,089 |
| Net operating income to assets | 1.6481% | 649 |
| Return on assets (ROA) | 1.6481% | 695 |
| Pretax return on assets | 1.7785% | 928 |
| Return on Equity (ROE) | 10.9853% | 1,761 |
| Retained earnings to average equity (ytd only) | 8.1924% | 1,378 |
| Net charge-offs to loans | 0.0059% | 6,289 |
| Credit loss provision to net charge-offs | 1,800.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 400.0000% | 85 |
| Efficiency ratio | 63.0996% | 5,501 |
| Assets per employee ($millions) | 3.5025% | 4,924 |
| Cash dividends to net income (ytd only)* | 25.4237% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 6,045 |
| Loan loss allowance to noncurrent loans | 989.1892% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 7,191 |
| Noncurrent loans to loans | 0.1090% | 7,048 |
| Net loans and leases to total assets | 73.7509% | 1,966 |
| Net loans and leases to deposits | 94.9474% | 1,157 |
| Net loans and leases to core deposits | 95.8964% | 2,448 |
| Total domestic deposits to total assets | 77.6755% | 6,344 |
| Equity capital to assets | 16.8252% | 557 |
| Core capital (leverage) ratio | 15.3720% | 653 |
| Tier 1 risk-based capital ratio | 20.4074% | 1,450 |
| Total risk-based capital ratio | 21.5136% | 1,439 |
| Memoranda: | ||
| Average total assets | $42,958,330 | 6,896 |
| Average earning assets | $39,785,670 | 6,849 |
| Average equity | $6,445,000 | 6,318 |
| Average total loans | $34,005,330 | 6,336 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0113% | 959 |
| Cost of funding earning assets | 1.2334% | 5,215 |
| Net interest margin | 4.7779% | 680 |
| Noninterest income to average assets | 0.6527% | 2,915 |
| Noninterest expense to average assets | 3.1581% | 3,018 |
| Loan and lease loss provision to assets | 0.0864% | 5,778 |
| Net operating income to assets | 1.6414% | 695 |
| Return on assets (ROA) | 1.6414% | 742 |
| Pretax return on assets | 1.8334% | 834 |
| Return on Equity (ROE) | 11.7183% | 1,575 |
| Retained earnings to average equity (ytd only) | 8.4975% | 1,535 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1928% | 5,798 |
| Assets per employee ($millions) | 3.4001% | 5,294 |
| Cash dividends to net income (ytd only)* | 27.4854% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 6,265 |
| Loan loss allowance to noncurrent loans | 64.4404% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 1.2534% | 4,672 |
| Noncurrent loans to loans | 1.6195% | 4,319 |
| Net loans and leases to total assets | 76.5865% | 1,415 |
| Net loans and leases to deposits | 98.8697% | 836 |
| Net loans and leases to core deposits | 99.8908% | 2,144 |
| Total domestic deposits to total assets | 77.4620% | 6,455 |
| Equity capital to assets | 17.0109% | 534 |
| Core capital (leverage) ratio | 15.8394% | 609 |
| Tier 1 risk-based capital ratio | 19.9680% | 1,529 |
| Total risk-based capital ratio | 21.0461% | 1,528 |
| Memoranda: | ||
| Average total assets | $41,671,000 | 7,031 |
| Average earning assets | $38,594,000 | 6,995 |
| Average equity | $5,837,000 | 6,573 |
| Average total loans | $34,034,500 | 6,417 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4875% | 686 |
| Cost of funding earning assets | 1.6191% | 4,943 |
| Net interest margin | 4.8685% | 601 |
| Noninterest income to average assets | 0.8553% | 2,158 |
| Noninterest expense to average assets | 3.3459% | 2,850 |
| Loan and lease loss provision to assets | 0.2990% | 5,043 |
| Net operating income to assets | 1.6301% | 507 |
| Return on assets (ROA) | 1.6301% | 539 |
| Pretax return on assets | 1.7055% | 770 |
| Return on Equity (ROE) | 15.1004% | 654 |
| Retained earnings to average equity (ytd only) | 0.6262% | 4,560 |
| Net charge-offs to loans | 0.0568% | 6,530 |
| Credit loss provision to net charge-offs | 638.8889% | 459 |
| Earnings coverage of net charge-offs (x) | 42.8333% | 584 |
| Efficiency ratio | 62.4879% | 6,059 |
| Assets per employee ($millions) | 3.0108% | 6,201 |
| Cash dividends to net income (ytd only)* | 95.8533% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 6,229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 85.6187% | 305 |
| Net loans and leases to deposits | 107.3862% | 488 |
| Net loans and leases to core deposits | 122.0927% | 1,772 |
| Total domestic deposits to total assets | 79.7297% | 5,759 |
| Equity capital to assets | 10.6155% | 3,055 |
| Core capital (leverage) ratio | 8.3868% | 5,464 |
| Tier 1 risk-based capital ratio | 10.4400% | 6,457 |
| Total risk-based capital ratio | 11.5616% | 6,549 |
| Memoranda: | ||
| Average total assets | $38,464,800 | 7,151 |
| Average earning assets | $35,514,200 | 7,120 |
| Average equity | $4,152,200 | 7,230 |
| Average total loans | $31,689,400 | 6,541 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4770% | 793 |
| Cost of funding earning assets | 1.6937% | 4,931 |
| Net interest margin | 4.7832% | 711 |
| Noninterest income to average assets | 0.8704% | 2,100 |
| Noninterest expense to average assets | 3.2901% | 2,953 |
| Loan and lease loss provision to assets | 0.2158% | 5,257 |
| Net operating income to assets | 1.6990% | 562 |
| Return on assets (ROA) | 1.6990% | 590 |
| Pretax return on assets | 1.7791% | 839 |
| Return on Equity (ROE) | 15.6726% | 693 |
| Retained earnings to average equity (ytd only) | 4.9459% | 2,516 |
| Net charge-offs to loans | 0.0685% | 6,003 |
| Credit loss provision to net charge-offs | 387.5000% | 1,044 |
| Earnings coverage of net charge-offs (x) | 35.8172% | 811 |
| Efficiency ratio | 62.1871% | 6,071 |
| Assets per employee ($millions) | 2.9819% | 6,209 |
| Cash dividends to net income (ytd only)* | 68.4423% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9193% | 6,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 82.5719% | 733 |
| Net loans and leases to deposits | 103.4083% | 817 |
| Net loans and leases to core deposits | 121.8787% | 2,084 |
| Total domestic deposits to total assets | 79.8504% | 5,495 |
| Equity capital to assets | 11.0770% | 2,946 |
| Core capital (leverage) ratio | 8.9959% | 4,656 |
| Tier 1 risk-based capital ratio | 11.3682% | 5,572 |
| Total risk-based capital ratio | 12.3712% | 5,785 |
| Memoranda: | ||
| Average total assets | $38,295,750 | 7,224 |
| Average earning assets | $35,344,750 | 7,192 |
| Average equity | $4,151,500 | 7,303 |
| Average total loans | $31,146,750 | 6,620 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4687% | 882 |
| Cost of funding earning assets | 1.8076% | 4,719 |
| Net interest margin | 4.6611% | 855 |
| Noninterest income to average assets | 0.9649% | 1,714 |
| Noninterest expense to average assets | 3.2355% | 3,213 |
| Loan and lease loss provision to assets | 0.3094% | 4,097 |
| Net operating income to assets | 1.6414% | 627 |
| Return on assets (ROA) | 1.6414% | 691 |
| Pretax return on assets | 1.7200% | 977 |
| Return on Equity (ROE) | 15.2534% | 789 |
| Retained earnings to average equity (ytd only) | 1.8031% | 4,340 |
| Net charge-offs to loans | 0.1040% | 5,118 |
| Credit loss provision to net charge-offs | 368.7500% | 1,264 |
| Earnings coverage of net charge-offs (x) | 24.1875% | 1,159 |
| Efficiency ratio | 61.3546% | 6,336 |
| Assets per employee ($millions) | 2.9053% | 6,373 |
| Cash dividends to net income (ytd only)* | 88.1789% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9279% | 6,660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 83.1078% | 771 |
| Net loans and leases to deposits | 106.1049% | 760 |
| Net loans and leases to core deposits | 124.7873% | 1,956 |
| Total domestic deposits to total assets | 78.3261% | 5,990 |
| Equity capital to assets | 10.9402% | 2,976 |
| Core capital (leverage) ratio | 8.5726% | 5,310 |
| Tier 1 risk-based capital ratio | 11.2410% | 5,654 |
| Total risk-based capital ratio | 12.2582% | 5,796 |
| Memoranda: | ||
| Average total assets | $38,139,330 | 7,287 |
| Average earning assets | $35,184,670 | 7,254 |
| Average equity | $4,104,000 | 7,379 |
| Average total loans | $30,760,330 | 6,689 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4193% | 1,025 |
| Cost of funding earning assets | 1.8761% | 4,761 |
| Net interest margin | 4.5432% | 1,048 |
| Noninterest income to average assets | 1.2107% | 981 |
| Noninterest expense to average assets | 3.1416% | 3,224 |
| Loan and lease loss provision to assets | 0.5845% | 2,154 |
| Net operating income to assets | 1.6073% | 778 |
| Return on assets (ROA) | 1.6073% | 850 |
| Pretax return on assets | 1.6804% | 1,216 |
| Return on Equity (ROE) | 15.0611% | 966 |
| Retained earnings to average equity (ytd only) | 0.5868% | 5,422 |
| Net charge-offs to loans | 0.0264% | 5,165 |
| Credit loss provision to net charge-offs | 2,800.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 108.5000% | 404 |
| Efficiency ratio | 58.1081% | 6,689 |
| Assets per employee ($millions) | 2.9995% | 6,151 |
| Cash dividends to net income (ytd only)* | 96.1039% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 6,217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 7,477 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 77.8068% | 1,867 |
| Net loans and leases to deposits | 93.7317% | 2,315 |
| Net loans and leases to core deposits | 113.5649% | 3,051 |
| Total domestic deposits to total assets | 83.0102% | 4,142 |
| Equity capital to assets | 10.5119% | 3,452 |
| Core capital (leverage) ratio | 8.6057% | 5,332 |
| Tier 1 risk-based capital ratio | 11.6238% | 5,275 |
| Total risk-based capital ratio | 12.7258% | 5,334 |
| Memoranda: | ||
| Average total assets | $38,324,500 | 7,323 |
| Average earning assets | $35,393,500 | 7,286 |
| Average equity | $4,090,000 | 7,423 |
| Average total loans | $30,299,000 | 6,744 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0057% | 1,118 |
| Cost of funding earning assets | 2.4112% | 4,670 |
| Net interest margin | 4.5945% | 1,195 |
| Noninterest income to average assets | 0.7179% | 3,004 |
| Noninterest expense to average assets | 3.1128% | 3,645 |
| Loan and lease loss provision to assets | 0.0318% | 7,008 |
| Net operating income to assets | 1.7140% | 660 |
| Return on assets (ROA) | 1.7140% | 632 |
| Pretax return on assets | 1.7935% | 959 |
| Return on Equity (ROE) | 16.9932% | 639 |
| Retained earnings to average equity (ytd only) | 12.0292% | 223 |
| Net charge-offs to loans | 0.1387% | 4,835 |
| Credit loss provision to net charge-offs | 30.0000% | 6,525 |
| Earnings coverage of net charge-offs (x) | 17.2250% | 1,788 |
| Efficiency ratio | 62.9828% | 5,779 |
| Assets per employee ($millions) | 2.8965% | 6,321 |
| Cash dividends to net income (ytd only)* | 29.2117% | 4,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8380% | 6,946 |
| Loan loss allowance to noncurrent loans | 116.2037% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.5736% | 5,470 |
| Noncurrent loans to loans | 0.7211% | 5,230 |
| Net loans and leases to total assets | 78.8793% | 1,917 |
| Net loans and leases to deposits | 95.5110% | 2,524 |
| Net loans and leases to core deposits | 120.1246% | 2,674 |
| Total domestic deposits to total assets | 82.5866% | 3,954 |
| Equity capital to assets | 10.8379% | 3,175 |
| Core capital (leverage) ratio | 8.5424% | 5,493 |
| Tier 1 risk-based capital ratio | 11.0230% | 5,709 |
| Total risk-based capital ratio | 11.8847% | 5,964 |
| Memoranda: | ||
| Average total assets | $37,747,800 | 7,319 |
| Average earning assets | $34,672,000 | 7,299 |
| Average equity | $3,807,400 | 7,576 |
| Average total loans | $28,835,000 | 6,780 |