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Today's 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 | 5.9069% | 721 |
| Cost of funding earning assets | 2.2454% | 595 |
| Net interest margin | 3.6615% | 1,833 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 3.0387% | 1,066 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.6268% | 3,370 |
| Return on assets (ROA) | 0.6268% | 3,349 |
| Pretax return on assets | 0.6268% | 3,588 |
| Return on Equity (ROE) | 9.1600% | 2,715 |
| Retained earnings to average equity (ytd only) | 6.8420% | 1,937 |
| Net charge-offs to loans | 0.0087% | 2,339 |
| Credit loss provision to net charge-offs | -250.0000% | 4,512 |
| Earnings coverage of net charge-offs (x) | 98.1000% | 915 |
| Efficiency ratio | 83.2537% | 705 |
| Assets per employee ($millions) | 4.4338% | 3,985 |
| Cash dividends to net income (ytd only)* | 25.2982% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4165% | 1,327 |
| Loan loss allowance to noncurrent loans | 1,142.9054% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 2,944 |
| Noncurrent loans to loans | 0.1239% | 2,898 |
| Net loans and leases to total assets | 69.8700% | 1,827 |
| Net loans and leases to deposits | 82.9962% | 1,863 |
| Net loans and leases to core deposits | 91.4858% | 1,952 |
| Total domestic deposits to total assets | 84.1900% | 2,566 |
| Equity capital to assets | 6.8458% | 3,995 |
| Core capital (leverage) ratio | 9.0126% | 3,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7703% | 1,946 |
| Memoranda: | ||
| Average total assets | $320,992,000 | 2,317 |
| Average earning assets | $297,803,400 | 2,322 |
| Average equity | $21,967,400 | 2,700 |
| Average total loans | $231,117,200 | 2,095 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7064% | 780 |
| Cost of funding earning assets | 2.0369% | 662 |
| Net interest margin | 3.6695% | 1,842 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 3.0523% | 988 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6402% | 3,455 |
| Return on assets (ROA) | 0.6402% | 3,446 |
| Pretax return on assets | 0.6402% | 3,660 |
| Return on Equity (ROE) | 9.3500% | 2,836 |
| Retained earnings to average equity (ytd only) | 7.4556% | 2,157 |
| Net charge-offs to loans | 0.0116% | 1,973 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 76.1000% | 1,074 |
| Efficiency ratio | 82.6632% | 689 |
| Assets per employee ($millions) | 4.4033% | 3,998 |
| Cash dividends to net income (ytd only)* | 20.3022% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4552% | 1,237 |
| Loan loss allowance to noncurrent loans | 1,018.6944% | 865 |
| Noncurrent assets plus other real estate owned to assets | 1.5971% | 224 |
| Noncurrent loans to loans | 0.1428% | 2,836 |
| Net loans and leases to total assets | 71.3500% | 1,654 |
| Net loans and leases to deposits | 84.2692% | 1,718 |
| Net loans and leases to core deposits | 95.1672% | 1,607 |
| Total domestic deposits to total assets | 84.6700% | 2,608 |
| Equity capital to assets | 6.3328% | 3,884 |
| Core capital (leverage) ratio | 9.0348% | 3,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2189% | 1,813 |
| Memoranda: | ||
| Average total assets | $316,998,500 | 2,342 |
| Average earning assets | $294,889,250 | 2,333 |
| Average equity | $21,692,250 | 2,708 |
| Average total loans | $229,189,000 | 2,105 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5048% | 823 |
| Cost of funding earning assets | 1.8215% | 710 |
| Net interest margin | 3.6833% | 1,848 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 3.1148% | 892 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6241% | 3,521 |
| Return on assets (ROA) | 0.6241% | 3,529 |
| Pretax return on assets | 0.6241% | 3,748 |
| Return on Equity (ROE) | 8.8900% | 3,012 |
| Retained earnings to average equity (ytd only) | 7.0040% | 2,281 |
| Net charge-offs to loans | 0.0079% | 1,925 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 108.8889% | 890 |
| Efficiency ratio | 83.3078% | 638 |
| Assets per employee ($millions) | 4.5505% | 3,915 |
| Cash dividends to net income (ytd only)* | 21.2245% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 1,298 |
| Loan loss allowance to noncurrent loans | 975.6374% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.8811% | 560 |
| Noncurrent loans to loans | 0.1500% | 2,715 |
| Net loans and leases to total assets | 69.8200% | 1,764 |
| Net loans and leases to deposits | 83.1476% | 1,751 |
| Net loans and leases to core deposits | 93.5290% | 1,593 |
| Total domestic deposits to total assets | 83.9700% | 2,824 |
| Equity capital to assets | 6.5999% | 3,952 |
| Core capital (leverage) ratio | 8.8704% | 3,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8239% | 1,969 |
| Memoranda: | ||
| Average total assets | $314,050,000 | 2,361 |
| Average earning assets | $292,728,667 | 2,356 |
| Average equity | $22,044,667 | 2,690 |
| Average total loans | $226,947,333 | 2,113 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2655% | 865 |
| Cost of funding earning assets | 1.5614% | 747 |
| Net interest margin | 3.7042% | 1,890 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 3.2959% | 706 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4813% | 3,941 |
| Return on assets (ROA) | 0.4813% | 3,902 |
| Pretax return on assets | 0.4813% | 4,019 |
| Return on Equity (ROE) | 6.6400% | 3,605 |
| Retained earnings to average equity (ytd only) | 4.6867% | 3,090 |
| Net charge-offs to loans | 0.0126% | 1,482 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 52.4286% | 1,090 |
| Efficiency ratio | 87.2569% | 456 |
| Assets per employee ($millions) | 4.1731% | 4,180 |
| Cash dividends to net income (ytd only)* | 29.4278% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5531% | 1,111 |
| Loan loss allowance to noncurrent loans | 914.0584% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.9912% | 416 |
| Noncurrent loans to loans | 0.1699% | 2,636 |
| Net loans and leases to total assets | 70.7300% | 1,553 |
| Net loans and leases to deposits | 85.9963% | 1,351 |
| Net loans and leases to core deposits | 96.4579% | 1,255 |
| Total domestic deposits to total assets | 82.2500% | 3,445 |
| Equity capital to assets | 7.0693% | 3,798 |
| Core capital (leverage) ratio | 9.1790% | 3,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2423% | 1,887 |
| Memoranda: | ||
| Average total assets | $304,981,000 | 2,439 |
| Average earning assets | $284,113,000 | 2,431 |
| Average equity | $22,105,000 | 2,711 |
| Average total loans | $222,731,000 | 2,153 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7450% | 471 |
| Cost of funding earning assets | 0.5871% | 956 |
| Net interest margin | 4.1579% | 597 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 3.2244% | 692 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.8545% | 3,131 |
| Return on assets (ROA) | 0.8545% | 3,068 |
| Pretax return on assets | 0.8545% | 3,472 |
| Return on Equity (ROE) | 10.9500% | 2,491 |
| Retained earnings to average equity (ytd only) | 9.1937% | 1,422 |
| Net charge-offs to loans | 0.0023% | 2,435 |
| Credit loss provision to net charge-offs | 300.0000% | 912 |
| Earnings coverage of net charge-offs (x) | 512.8000% | 327 |
| Efficiency ratio | 78.9526% | 791 |
| Assets per employee ($millions) | 4.1826% | 4,210 |
| Cash dividends to net income (ytd only)* | 16.0063% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6539% | 4,281 |
| Loan loss allowance to noncurrent loans | 53.7896% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 0.9557% | 453 |
| Noncurrent loans to loans | 1.2156% | 578 |
| Net loans and leases to total assets | 73.7600% | 1,238 |
| Net loans and leases to deposits | 90.3172% | 1,036 |
| Net loans and leases to core deposits | 99.4765% | 1,029 |
| Total domestic deposits to total assets | 81.6700% | 3,668 |
| Equity capital to assets | 7.4312% | 3,414 |
| Core capital (leverage) ratio | 9.9700% | 2,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7982% | 2,052 |
| Memoranda: | ||
| Average total assets | $298,287,200 | 2,457 |
| Average earning assets | $278,989,600 | 2,448 |
| Average equity | $23,287,800 | 2,683 |
| Average total loans | $214,822,400 | 2,136 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6550% | 383 |
| Cost of funding earning assets | 0.5051% | 740 |
| Net interest margin | 4.1499% | 468 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 3.2041% | 690 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8612% | 3,028 |
| Return on assets (ROA) | 0.8612% | 3,004 |
| Pretax return on assets | 0.8612% | 3,447 |
| Return on Equity (ROE) | 10.9000% | 2,420 |
| Retained earnings to average equity (ytd only) | 9.1514% | 1,599 |
| Net charge-offs to loans | 0.0006% | 2,319 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1,922.0000% | 64 |
| Efficiency ratio | 78.8163% | 852 |
| Assets per employee ($millions) | 4.1142% | 4,269 |
| Cash dividends to net income (ytd only)* | 16.0250% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6683% | 4,306 |
| Loan loss allowance to noncurrent loans | 51.6554% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 0.9886% | 451 |
| Noncurrent loans to loans | 1.2938% | 565 |
| Net loans and leases to total assets | 71.8100% | 1,316 |
| Net loans and leases to deposits | 86.5636% | 1,134 |
| Net loans and leases to core deposits | 94.3133% | 1,075 |
| Total domestic deposits to total assets | 82.9500% | 3,698 |
| Equity capital to assets | 7.1426% | 3,434 |
| Core capital (leverage) ratio | 9.7299% | 2,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1355% | 2,000 |
| Memoranda: | ||
| Average total assets | $297,571,750 | 2,484 |
| Average earning assets | $278,460,750 | 2,470 |
| Average equity | $23,515,000 | 2,704 |
| Average total loans | $212,631,000 | 2,148 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4403% | 411 |
| Cost of funding earning assets | 0.4890% | 548 |
| Net interest margin | 3.9513% | 556 |
| Noninterest income to average assets | 0.1928% | 4,035 |
| Noninterest expense to average assets | 3.2085% | 619 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6836% | 3,366 |
| Return on assets (ROA) | 0.6836% | 3,318 |
| Pretax return on assets | 0.6836% | 3,615 |
| Return on Equity (ROE) | 8.3792% | 2,905 |
| Retained earnings to average equity (ytd only) | 6.6604% | 2,109 |
| Net charge-offs to loans | -0.0076% | 3,483 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4355% | 768 |
| Assets per employee ($millions) | 4.0366% | 4,351 |
| Cash dividends to net income (ytd only)* | 20.5128% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6959% | 4,339 |
| Loan loss allowance to noncurrent loans | 453.4161% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.1782% | 2,463 |
| Noncurrent loans to loans | 0.1535% | 2,925 |
| Net loans and leases to total assets | 70.7009% | 1,233 |
| Net loans and leases to deposits | 86.5179% | 936 |
| Net loans and leases to core deposits | 95.1258% | 862 |
| Total domestic deposits to total assets | 81.7183% | 4,045 |
| Equity capital to assets | 7.3981% | 3,534 |
| Core capital (leverage) ratio | 9.7352% | 2,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5824% | 1,834 |
| Memoranda: | ||
| Average total assets | $296,650,000 | 2,500 |
| Average earning assets | $277,730,000 | 2,492 |
| Average equity | $24,202,667 | 2,730 |
| Average total loans | $211,135,000 | 2,161 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2728% | 464 |
| Cost of funding earning assets | 0.4977% | 504 |
| Net interest margin | 3.7751% | 661 |
| Noninterest income to average assets | 0.1855% | 4,047 |
| Noninterest expense to average assets | 2.9996% | 811 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7230% | 2,972 |
| Return on assets (ROA) | 0.7230% | 2,962 |
| Pretax return on assets | 0.7230% | 3,323 |
| Return on Equity (ROE) | 8.4711% | 2,525 |
| Retained earnings to average equity (ytd only) | 6.7706% | 1,970 |
| Net charge-offs to loans | -0.0208% | 3,933 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5776% | 1,102 |
| Assets per employee ($millions) | 4.2010% | 4,309 |
| Cash dividends to net income (ytd only)* | 20.0743% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6927% | 4,397 |
| Loan loss allowance to noncurrent loans | 981.8792% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 2,989 |
| Noncurrent loans to loans | 0.0705% | 3,500 |
| Net loans and leases to total assets | 70.3193% | 992 |
| Net loans and leases to deposits | 87.3514% | 657 |
| Net loans and leases to core deposits | 96.1264% | 650 |
| Total domestic deposits to total assets | 80.5016% | 4,252 |
| Equity capital to assets | 8.0776% | 3,508 |
| Core capital (leverage) ratio | 9.1386% | 3,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6158% | 2,375 |
| Memoranda: | ||
| Average total assets | $297,639,500 | 2,504 |
| Average earning assets | $278,878,000 | 2,505 |
| Average equity | $25,404,000 | 2,746 |
| Average total loans | $211,805,000 | 2,160 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4643% | 630 |
| Cost of funding earning assets | 0.6605% | 399 |
| Net interest margin | 3.8038% | 1,004 |
| Noninterest income to average assets | 0.2424% | 3,923 |
| Noninterest expense to average assets | 3.0347% | 934 |
| Loan and lease loss provision to assets | 0.0251% | 2,562 |
| Net operating income to assets | 0.7522% | 3,483 |
| Return on assets (ROA) | 0.9144% | 3,051 |
| Pretax return on assets | 0.9144% | 3,475 |
| Return on Equity (ROE) | 9.9871% | 2,523 |
| Retained earnings to average equity (ytd only) | 8.4393% | 1,373 |
| Net charge-offs to loans | 0.0050% | 2,412 |
| Credit loss provision to net charge-offs | 720.0000% | 651 |
| Earnings coverage of net charge-offs (x) | 223.2000% | 499 |
| Efficiency ratio | 79.2546% | 855 |
| Assets per employee ($millions) | 4.1251% | 4,372 |
| Cash dividends to net income (ytd only)* | 15.4989% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6836% | 4,448 |
| Loan loss allowance to noncurrent loans | 955.2632% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 3,091 |
| Noncurrent loans to loans | 0.0716% | 3,578 |
| Net loans and leases to total assets | 71.0260% | 920 |
| Net loans and leases to deposits | 89.3252% | 591 |
| Net loans and leases to core deposits | 98.4395% | 594 |
| Total domestic deposits to total assets | 79.5140% | 4,264 |
| Equity capital to assets | 8.9947% | 3,623 |
| Core capital (leverage) ratio | 8.9935% | 3,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3109% | 2,526 |
| Memoranda: | ||
| Average total assets | $287,176,400 | 2,498 |
| Average earning assets | $269,492,200 | 2,491 |
| Average equity | $26,293,800 | 2,761 |
| Average total loans | $199,690,400 | 2,236 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5103% | 662 |
| Cost of funding earning assets | 0.6984% | 388 |
| Net interest margin | 3.8119% | 1,090 |
| Noninterest income to average assets | 0.2960% | 3,675 |
| Noninterest expense to average assets | 2.9835% | 1,003 |
| Loan and lease loss provision to assets | 0.0284% | 2,430 |
| Net operating income to assets | 0.8621% | 3,345 |
| Return on assets (ROA) | 0.9094% | 3,292 |
| Pretax return on assets | 0.9094% | 3,673 |
| Return on Equity (ROE) | 9.8870% | 2,777 |
| Retained earnings to average equity (ytd only) | 8.3241% | 1,944 |
| Net charge-offs to loans | 0.0299% | 1,455 |
| Credit loss provision to net charge-offs | 138.6364% | 1,398 |
| Earnings coverage of net charge-offs (x) | 43.2273% | 1,317 |
| Efficiency ratio | 76.5260% | 1,001 |
| Assets per employee ($millions) | 3.9199% | 4,493 |
| Cash dividends to net income (ytd only)* | 15.8084% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7021% | 4,498 |
| Loan loss allowance to noncurrent loans | 868.5185% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 3,088 |
| Noncurrent loans to loans | 0.0808% | 3,684 |
| Net loans and leases to total assets | 68.6003% | 1,247 |
| Net loans and leases to deposits | 86.5306% | 799 |
| Net loans and leases to core deposits | 95.4023% | 771 |
| Total domestic deposits to total assets | 79.2787% | 4,319 |
| Equity capital to assets | 9.3425% | 3,513 |
| Core capital (leverage) ratio | 9.0093% | 3,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4181% | 2,574 |
| Memoranda: | ||
| Average total assets | $284,718,500 | 2,531 |
| Average earning assets | $267,262,750 | 2,522 |
| Average equity | $26,188,500 | 2,804 |
| Average total loans | $196,511,750 | 2,292 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5865% | 642 |
| Cost of funding earning assets | 0.7395% | 381 |
| Net interest margin | 3.8470% | 1,074 |
| Noninterest income to average assets | 0.3457% | 3,377 |
| Noninterest expense to average assets | 3.0205% | 955 |
| Loan and lease loss provision to assets | 0.0290% | 2,399 |
| Net operating income to assets | 0.9034% | 3,209 |
| Return on assets (ROA) | 0.9034% | 3,288 |
| Pretax return on assets | 0.9034% | 3,658 |
| Return on Equity (ROE) | 9.8746% | 2,793 |
| Retained earnings to average equity (ytd only) | 8.2752% | 1,988 |
| Net charge-offs to loans | 0.0482% | 1,144 |
| Credit loss provision to net charge-offs | 87.2340% | 1,451 |
| Earnings coverage of net charge-offs (x) | 28.0638% | 1,347 |
| Efficiency ratio | 75.6974% | 1,112 |
| Assets per employee ($millions) | 4.0762% | 4,408 |
| Cash dividends to net income (ytd only)* | 16.1972% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6979% | 4,534 |
| Loan loss allowance to noncurrent loans | 591.4530% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1819% | 3,055 |
| Noncurrent loans to loans | 0.1180% | 3,600 |
| Net loans and leases to total assets | 69.0127% | 1,324 |
| Net loans and leases to deposits | 87.1947% | 833 |
| Net loans and leases to core deposits | 95.8649% | 816 |
| Total domestic deposits to total assets | 79.1477% | 4,325 |
| Equity capital to assets | 9.2712% | 3,540 |
| Core capital (leverage) ratio | 9.0221% | 3,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3649% | 2,592 |
| Memoranda: | ||
| Average total assets | $282,933,667 | 2,541 |
| Average earning assets | $265,298,667 | 2,533 |
| Average equity | $25,884,667 | 2,818 |
| Average total loans | $195,216,333 | 2,309 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5915% | 680 |
| Cost of funding earning assets | 0.7776% | 394 |
| Net interest margin | 3.8139% | 1,105 |
| Noninterest income to average assets | 0.4856% | 2,672 |
| Noninterest expense to average assets | 3.0738% | 870 |
| Loan and lease loss provision to assets | -0.0057% | 4,564 |
| Net operating income to assets | 0.9896% | 2,839 |
| Return on assets (ROA) | 0.9896% | 2,936 |
| Pretax return on assets | 0.9896% | 3,399 |
| Return on Equity (ROE) | 10.8906% | 2,395 |
| Retained earnings to average equity (ytd only) | 9.2188% | 1,881 |
| Net charge-offs to loans | 0.0682% | 863 |
| Credit loss provision to net charge-offs | -12.1212% | 2,696 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,235 |
| Efficiency ratio | 74.8775% | 1,233 |
| Assets per employee ($millions) | 4.0450% | 4,448 |
| Cash dividends to net income (ytd only)* | 15.3515% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7023% | 4,568 |
| Loan loss allowance to noncurrent loans | 563.7500% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1828% | 3,253 |
| Noncurrent loans to loans | 0.1246% | 3,688 |
| Net loans and leases to total assets | 66.6082% | 1,719 |
| Net loans and leases to deposits | 84.6456% | 1,080 |
| Net loans and leases to core deposits | 92.7963% | 1,056 |
| Total domestic deposits to total assets | 78.6906% | 4,363 |
| Equity capital to assets | 8.8049% | 3,872 |
| Core capital (leverage) ratio | 8.9281% | 3,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4590% | 2,509 |
| Memoranda: | ||
| Average total assets | $281,732,500 | 2,531 |
| Average earning assets | $263,880,000 | 2,529 |
| Average equity | $25,600,000 | 2,829 |
| Average total loans | $193,673,500 | 2,326 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7883% | 753 |
| Cost of funding earning assets | 1.2908% | 186 |
| Net interest margin | 3.4975% | 2,487 |
| Noninterest income to average assets | 0.2951% | 3,720 |
| Noninterest expense to average assets | 3.0598% | 1,306 |
| Loan and lease loss provision to assets | 0.0244% | 4,092 |
| Net operating income to assets | 0.4840% | 4,059 |
| Return on assets (ROA) | 0.6952% | 3,581 |
| Pretax return on assets | 0.6952% | 3,891 |
| Return on Equity (ROE) | 7.7470% | 2,907 |
| Retained earnings to average equity (ytd only) | 6.0927% | 1,754 |
| Net charge-offs to loans | 0.0048% | 3,179 |
| Credit loss provision to net charge-offs | 744.4444% | 962 |
| Earnings coverage of net charge-offs (x) | 154.8889% | 553 |
| Efficiency ratio | 84.7082% | 584 |
| Assets per employee ($millions) | 3.8912% | 4,446 |
| Cash dividends to net income (ytd only)* | 21.3536% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7139% | 4,566 |
| Loan loss allowance to noncurrent loans | 446.9453% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 3,215 |
| Noncurrent loans to loans | 0.1597% | 3,638 |
| Net loans and leases to total assets | 69.9709% | 1,564 |
| Net loans and leases to deposits | 90.1906% | 917 |
| Net loans and leases to core deposits | 99.7009% | 913 |
| Total domestic deposits to total assets | 77.5812% | 4,361 |
| Equity capital to assets | 9.3795% | 3,715 |
| Core capital (leverage) ratio | 8.7262% | 3,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1872% | 2,559 |
| Memoranda: | ||
| Average total assets | $274,170,600 | 2,433 |
| Average earning assets | $256,585,800 | 2,428 |
| Average equity | $24,603,200 | 2,834 |
| Average total loans | $187,412,400 | 2,349 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8581% | 796 |
| Cost of funding earning assets | 1.3700% | 182 |
| Net interest margin | 3.4881% | 2,629 |
| Noninterest income to average assets | 0.3226% | 3,555 |
| Noninterest expense to average assets | 3.0740% | 1,280 |
| Loan and lease loss provision to assets | 0.0058% | 4,206 |
| Net operating income to assets | 0.5053% | 4,013 |
| Return on assets (ROA) | 0.6860% | 3,606 |
| Pretax return on assets | 0.6860% | 3,935 |
| Return on Equity (ROE) | 7.7332% | 2,909 |
| Retained earnings to average equity (ytd only) | 6.0470% | 2,087 |
| Net charge-offs to loans | 0.0079% | 2,836 |
| Credit loss provision to net charge-offs | 109.0909% | 2,559 |
| Earnings coverage of net charge-offs (x) | 95.3636% | 822 |
| Efficiency ratio | 84.7105% | 570 |
| Assets per employee ($millions) | 4.0005% | 4,311 |
| Cash dividends to net income (ytd only)* | 21.8040% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6837% | 4,603 |
| Loan loss allowance to noncurrent loans | 251.5094% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 3,018 |
| Noncurrent loans to loans | 0.2718% | 3,320 |
| Net loans and leases to total assets | 68.1775% | 2,215 |
| Net loans and leases to deposits | 87.5582% | 1,541 |
| Net loans and leases to core deposits | 100.1997% | 1,148 |
| Total domestic deposits to total assets | 77.8654% | 4,219 |
| Equity capital to assets | 9.0443% | 4,086 |
| Core capital (leverage) ratio | 8.4516% | 4,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8402% | 2,672 |
| Memoranda: | ||
| Average total assets | $273,645,250 | 2,411 |
| Average earning assets | $255,950,750 | 2,406 |
| Average equity | $24,275,750 | 2,855 |
| Average total loans | $185,590,500 | 2,370 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9813% | 854 |
| Cost of funding earning assets | 1.4042% | 223 |
| Net interest margin | 3.5771% | 2,557 |
| Noninterest income to average assets | 0.3176% | 3,563 |
| Noninterest expense to average assets | 3.1401% | 1,265 |
| Loan and lease loss provision to assets | 0.0096% | 4,088 |
| Net operating income to assets | 0.5093% | 3,996 |
| Return on assets (ROA) | 0.7158% | 3,451 |
| Pretax return on assets | 0.7158% | 3,836 |
| Return on Equity (ROE) | 8.1245% | 2,698 |
| Retained earnings to average equity (ytd only) | 6.3853% | 1,904 |
| Net charge-offs to loans | -0.0044% | 3,979 |
| Credit loss provision to net charge-offs | -300.0000% | 3,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7866% | 595 |
| Assets per employee ($millions) | 3.8834% | 4,405 |
| Cash dividends to net income (ytd only)* | 21.4064% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7025% | 4,556 |
| Loan loss allowance to noncurrent loans | 237.3239% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.5338% | 2,222 |
| Noncurrent loans to loans | 0.2960% | 3,324 |
| Net loans and leases to total assets | 66.3051% | 2,583 |
| Net loans and leases to deposits | 86.2165% | 1,739 |
| Net loans and leases to core deposits | 98.6697% | 1,356 |
| Total domestic deposits to total assets | 76.9054% | 4,324 |
| Equity capital to assets | 8.7511% | 4,309 |
| Core capital (leverage) ratio | 8.5685% | 4,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8673% | 2,663 |
| Memoranda: | ||
| Average total assets | $270,182,000 | 2,412 |
| Average earning assets | $252,382,000 | 2,404 |
| Average equity | $23,804,667 | 2,867 |
| Average total loans | $182,460,333 | 2,381 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9457% | 1,074 |
| Cost of funding earning assets | 1.4505% | 317 |
| Net interest margin | 3.4953% | 3,000 |
| Noninterest income to average assets | 0.4496% | 2,790 |
| Noninterest expense to average assets | 3.2998% | 1,228 |
| Loan and lease loss provision to assets | 0.0199% | 3,547 |
| Net operating income to assets | 0.3945% | 4,147 |
| Return on assets (ROA) | 0.7187% | 3,294 |
| Pretax return on assets | 0.7187% | 3,627 |
| Return on Equity (ROE) | 8.1269% | 2,468 |
| Retained earnings to average equity (ytd only) | 6.2767% | 1,780 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8139% | 594 |
| Assets per employee ($millions) | 3.3778% | 4,578 |
| Cash dividends to net income (ytd only)* | 22.7660% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7381% | 4,543 |
| Loan loss allowance to noncurrent loans | 220.6897% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.6583% | 2,032 |
| Noncurrent loans to loans | 0.3344% | 3,294 |
| Net loans and leases to total assets | 70.4111% | 2,186 |
| Net loans and leases to deposits | 87.0801% | 1,857 |
| Net loans and leases to core deposits | 100.6543% | 1,422 |
| Total domestic deposits to total assets | 80.8579% | 3,696 |
| Equity capital to assets | 8.9720% | 4,620 |
| Core capital (leverage) ratio | 9.1233% | 4,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0081% | 2,693 |
| Memoranda: | ||
| Average total assets | $261,588,000 | 2,423 |
| Average earning assets | $244,331,500 | 2,415 |
| Average equity | $23,133,000 | 2,914 |
| Average total loans | $177,746,000 | 2,383 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6078% | 468 |
| Cost of funding earning assets | 1.4918% | 408 |
| Net interest margin | 4.1160% | 1,496 |
| Noninterest income to average assets | 0.8617% | 1,267 |
| Noninterest expense to average assets | 3.6395% | 817 |
| Loan and lease loss provision to assets | 0.0630% | 2,777 |
| Net operating income to assets | 0.9828% | 2,901 |
| Return on assets (ROA) | 1.0274% | 2,837 |
| Pretax return on assets | 1.0274% | 3,397 |
| Return on Equity (ROE) | 11.5223% | 1,683 |
| Retained earnings to average equity (ytd only) | 9.5721% | 577 |
| Net charge-offs to loans | 0.0074% | 3,411 |
| Credit loss provision to net charge-offs | 1,283.3333% | 268 |
| Earnings coverage of net charge-offs (x) | 213.0000% | 377 |
| Efficiency ratio | 76.7881% | 1,288 |
| Assets per employee ($millions) | 3.4606% | 4,516 |
| Cash dividends to net income (ytd only)* | 16.9255% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7682% | 4,399 |
| Loan loss allowance to noncurrent loans | 105.9666% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.6575% | 1,941 |
| Noncurrent loans to loans | 0.7249% | 2,065 |
| Net loans and leases to total assets | 64.5725% | 3,126 |
| Net loans and leases to deposits | 77.8013% | 3,031 |
| Net loans and leases to core deposits | 87.4913% | 2,656 |
| Total domestic deposits to total assets | 82.9966% | 3,192 |
| Equity capital to assets | 8.7193% | 4,816 |
| Core capital (leverage) ratio | 9.3389% | 4,239 |
| Tier 1 risk-based capital ratio | 12.1763% | 4,258 |
| Total risk-based capital ratio | 12.9705% | 4,396 |
| Memoranda: | ||
| Average total assets | $244,401,800 | 2,496 |
| Average earning assets | $227,041,600 | 2,483 |
| Average equity | $21,792,600 | 2,979 |
| Average total loans | $162,385,400 | 2,483 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8247% | 340 |
| Cost of funding earning assets | 1.5135% | 393 |
| Net interest margin | 4.3112% | 1,144 |
| Noninterest income to average assets | 0.8338% | 1,319 |
| Noninterest expense to average assets | 3.8076% | 652 |
| Loan and lease loss provision to assets | 0.0608% | 2,682 |
| Net operating income to assets | 0.9622% | 3,111 |
| Return on assets (ROA) | 1.0147% | 3,006 |
| Pretax return on assets | 1.0147% | 3,542 |
| Return on Equity (ROE) | 11.3098% | 1,890 |
| Retained earnings to average equity (ytd only) | 9.3999% | 924 |
| Net charge-offs to loans | 0.0058% | 3,181 |
| Credit loss provision to net charge-offs | 1,557.1429% | 240 |
| Earnings coverage of net charge-offs (x) | 261.9443% | 352 |
| Efficiency ratio | 77.9434% | 1,109 |
| Assets per employee ($millions) | 3.1449% | 4,799 |
| Cash dividends to net income (ytd only)* | 16.8866% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 4,446 |
| Loan loss allowance to noncurrent loans | 108.7542% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.7161% | 1,912 |
| Noncurrent loans to loans | 0.7244% | 2,155 |
| Net loans and leases to total assets | 67.1924% | 2,899 |
| Net loans and leases to deposits | 79.3662% | 2,965 |
| Net loans and leases to core deposits | 89.2423% | 2,611 |
| Total domestic deposits to total assets | 84.6612% | 2,553 |
| Equity capital to assets | 9.4724% | 4,479 |
| Core capital (leverage) ratio | 9.1911% | 4,482 |
| Tier 1 risk-based capital ratio | 12.8192% | 3,945 |
| Total risk-based capital ratio | 13.6434% | 4,082 |
| Memoranda: | ||
| Average total assets | $238,886,000 | 2,550 |
| Average earning assets | $221,464,750 | 2,543 |
| Average equity | $21,432,250 | 3,029 |
| Average total loans | $159,633,000 | 2,539 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7654% | 355 |
| Cost of funding earning assets | 1.4729% | 413 |
| Net interest margin | 4.2925% | 1,159 |
| Noninterest income to average assets | 1.1438% | 652 |
| Noninterest expense to average assets | 3.9698% | 559 |
| Loan and lease loss provision to assets | 0.0412% | 2,988 |
| Net operating income to assets | 1.1085% | 2,491 |
| Return on assets (ROA) | 1.1237% | 2,503 |
| Pretax return on assets | 1.1237% | 3,165 |
| Return on Equity (ROE) | 12.7662% | 1,313 |
| Retained earnings to average equity (ytd only) | 10.7977% | 580 |
| Net charge-offs to loans | 0.0126% | 2,684 |
| Credit loss provision to net charge-offs | 490.0000% | 611 |
| Earnings coverage of net charge-offs (x) | 136.7000% | 537 |
| Efficiency ratio | 76.7045% | 1,306 |
| Assets per employee ($millions) | 3.1760% | 4,786 |
| Cash dividends to net income (ytd only)* | 15.4192% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7710% | 4,541 |
| Loan loss allowance to noncurrent loans | 112.9596% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.7652% | 1,822 |
| Noncurrent loans to loans | 0.6825% | 2,271 |
| Net loans and leases to total assets | 65.5315% | 3,164 |
| Net loans and leases to deposits | 78.6869% | 3,094 |
| Net loans and leases to core deposits | 88.2700% | 2,773 |
| Total domestic deposits to total assets | 83.2813% | 3,122 |
| Equity capital to assets | 9.2523% | 4,610 |
| Core capital (leverage) ratio | 9.2367% | 4,420 |
| Tier 1 risk-based capital ratio | 12.9049% | 3,886 |
| Total risk-based capital ratio | 13.7213% | 4,029 |
| Memoranda: | ||
| Average total assets | $237,795,670 | 2,566 |
| Average earning assets | $220,243,000 | 2,561 |
| Average equity | $20,930,330 | 3,062 |
| Average total loans | $158,176,330 | 2,564 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1958% | 917 |
| Cost of funding earning assets | 1.4465% | 389 |
| Net interest margin | 3.7493% | 2,713 |
| Noninterest income to average assets | 2.0949% | 235 |
| Noninterest expense to average assets | 4.4033% | 331 |
| Loan and lease loss provision to assets | 0.0339% | 2,951 |
| Net operating income to assets | 1.1237% | 2,376 |
| Return on assets (ROA) | 1.1407% | 2,359 |
| Pretax return on assets | 1.1407% | 3,008 |
| Return on Equity (ROE) | 13.3076% | 1,134 |
| Retained earnings to average equity (ytd only) | 11.2116% | 759 |
| Net charge-offs to loans | 0.0228% | 1,986 |
| Credit loss provision to net charge-offs | 222.2222% | 985 |
| Earnings coverage of net charge-offs (x) | 75.8889% | 794 |
| Efficiency ratio | 78.4212% | 1,220 |
| Assets per employee ($millions) | 2.9251% | 5,010 |
| Cash dividends to net income (ytd only)* | 15.7504% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7498% | 4,662 |
| Loan loss allowance to noncurrent loans | 40.3697% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 1.6273% | 694 |
| Noncurrent loans to loans | 1.8574% | 826 |
| Net loans and leases to total assets | 67.9341% | 2,764 |
| Net loans and leases to deposits | 81.3797% | 2,683 |
| Net loans and leases to core deposits | 91.9902% | 2,296 |
| Total domestic deposits to total assets | 83.4780% | 3,226 |
| Equity capital to assets | 8.9001% | 4,750 |
| Core capital (leverage) ratio | 9.0047% | 4,650 |
| Tier 1 risk-based capital ratio | 12.5219% | 4,157 |
| Total risk-based capital ratio | 13.3063% | 4,322 |
| Memoranda: | ||
| Average total assets | $236,005,000 | 2,599 |
| Average earning assets | $218,175,500 | 2,599 |
| Average equity | $20,229,000 | 3,138 |
| Average total loans | $157,561,000 | 2,594 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1327% | 791 |
| Cost of funding earning assets | 1.1737% | 376 |
| Net interest margin | 3.9590% | 2,130 |
| Noninterest income to average assets | 0.8618% | 1,286 |
| Noninterest expense to average assets | 3.9779% | 548 |
| Loan and lease loss provision to assets | 0.1569% | 1,324 |
| Net operating income to assets | 0.3577% | 4,928 |
| Return on assets (ROA) | 0.3582% | 4,925 |
| Pretax return on assets | 0.3582% | 4,986 |
| Return on Equity (ROE) | 4.2022% | 4,658 |
| Retained earnings to average equity (ytd only) | 2.4311% | 4,172 |
| Net charge-offs to loans | 0.0751% | 2,045 |
| Credit loss provision to net charge-offs | 314.6789% | 992 |
| Earnings coverage of net charge-offs (x) | 10.3211% | 2,730 |
| Efficiency ratio | 87.5165% | 455 |
| Assets per employee ($millions) | 2.9750% | 5,009 |
| Cash dividends to net income (ytd only)* | 42.1456% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7680% | 4,631 |
| Loan loss allowance to noncurrent loans | 37.3979% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 2.2105% | 391 |
| Noncurrent loans to loans | 2.0536% | 653 |
| Net loans and leases to total assets | 64.6044% | 3,286 |
| Net loans and leases to deposits | 78.6503% | 3,088 |
| Net loans and leases to core deposits | 88.1459% | 2,741 |
| Total domestic deposits to total assets | 82.1413% | 3,607 |
| Equity capital to assets | 8.2483% | 5,065 |
| Core capital (leverage) ratio | 8.8974% | 4,739 |
| Tier 1 risk-based capital ratio | 12.4151% | 4,185 |
| Total risk-based capital ratio | 13.2235% | 4,335 |
| Memoranda: | ||
| Average total assets | $218,609,600 | 2,702 |
| Average earning assets | $200,477,600 | 2,715 |
| Average equity | $18,633,200 | 3,227 |
| Average total loans | $145,082,800 | 2,705 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1274% | 717 |
| Cost of funding earning assets | 1.1037% | 395 |
| Net interest margin | 4.0237% | 1,882 |
| Noninterest income to average assets | 0.9662% | 1,022 |
| Noninterest expense to average assets | 4.0686% | 479 |
| Loan and lease loss provision to assets | 0.1865% | 965 |
| Net operating income to assets | 0.3948% | 4,967 |
| Return on assets (ROA) | 0.3948% | 4,967 |
| Pretax return on assets | 0.3948% | 5,037 |
| Return on Equity (ROE) | 4.5909% | 4,676 |
| Retained earnings to average equity (ytd only) | 2.4151% | 4,430 |
| Net charge-offs to loans | 0.0159% | 2,861 |
| Credit loss provision to net charge-offs | 1,758.8235% | 241 |
| Earnings coverage of net charge-offs (x) | 54.8143% | 1,116 |
| Efficiency ratio | 86.4789% | 489 |
| Assets per employee ($millions) | 2.8387% | 5,137 |
| Cash dividends to net income (ytd only)* | 47.3933% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7982% | 4,628 |
| Loan loss allowance to noncurrent loans | 41.9946% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 2.4651% | 356 |
| Noncurrent loans to loans | 1.9006% | 797 |
| Net loans and leases to total assets | 66.1026% | 3,162 |
| Net loans and leases to deposits | 80.6723% | 2,965 |
| Net loans and leases to core deposits | 89.1543% | 2,734 |
| Total domestic deposits to total assets | 81.9397% | 3,629 |
| Equity capital to assets | 7.7394% | 5,259 |
| Core capital (leverage) ratio | 8.9709% | 4,730 |
| Tier 1 risk-based capital ratio | 11.4063% | 4,844 |
| Total risk-based capital ratio | 12.2324% | 4,938 |
| Memoranda: | ||
| Average total assets | $213,761,750 | 2,763 |
| Average earning assets | $195,701,250 | 2,779 |
| Average equity | $18,383,750 | 3,273 |
| Average total loans | $142,616,250 | 2,751 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1329% | 622 |
| Cost of funding earning assets | 1.0767% | 324 |
| Net interest margin | 4.0562% | 1,684 |
| Noninterest income to average assets | 1.2274% | 639 |
| Noninterest expense to average assets | 4.1875% | 416 |
| Loan and lease loss provision to assets | 0.1360% | 1,441 |
| Net operating income to assets | 0.6200% | 4,438 |
| Return on assets (ROA) | 0.6200% | 4,443 |
| Pretax return on assets | 0.6200% | 4,704 |
| Return on Equity (ROE) | 6.9488% | 3,920 |
| Retained earnings to average equity (ytd only) | 4.7875% | 3,190 |
| Net charge-offs to loans | 0.0274% | 2,303 |
| Credit loss provision to net charge-offs | 742.1053% | 541 |
| Earnings coverage of net charge-offs (x) | 41.2632% | 1,267 |
| Efficiency ratio | 83.7137% | 705 |
| Assets per employee ($millions) | 2.5674% | 5,317 |
| Cash dividends to net income (ytd only)* | 31.1042% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7428% | 4,839 |
| Loan loss allowance to noncurrent loans | 36.8547% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 2.6759% | 307 |
| Noncurrent loans to loans | 2.0156% | 740 |
| Net loans and leases to total assets | 67.5969% | 2,931 |
| Net loans and leases to deposits | 79.2233% | 3,029 |
| Net loans and leases to core deposits | 87.0004% | 2,819 |
| Total domestic deposits to total assets | 85.3246% | 2,557 |
| Equity capital to assets | 8.6503% | 4,842 |
| Core capital (leverage) ratio | 9.3903% | 4,260 |
| Tier 1 risk-based capital ratio | 12.4044% | 4,242 |
| Total risk-based capital ratio | 13.1786% | 4,423 |
| Memoranda: | ||
| Average total assets | $207,425,670 | 2,837 |
| Average earning assets | $190,030,000 | 2,853 |
| Average equity | $18,506,670 | 3,274 |
| Average total loans | $138,453,330 | 2,813 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8908% | 886 |
| Cost of funding earning assets | 1.0407% | 307 |
| Net interest margin | 3.8500% | 2,228 |
| Noninterest income to average assets | 1.4468% | 451 |
| Noninterest expense to average assets | 4.4576% | 306 |
| Loan and lease loss provision to assets | 0.0723% | 2,314 |
| Net operating income to assets | 0.4536% | 4,804 |
| Return on assets (ROA) | 0.4536% | 4,808 |
| Pretax return on assets | 0.4536% | 4,954 |
| Return on Equity (ROE) | 5.0044% | 4,485 |
| Retained earnings to average equity (ytd only) | 2.8474% | 4,055 |
| Net charge-offs to loans | 0.0474% | 1,644 |
| Credit loss provision to net charge-offs | 231.2500% | 953 |
| Earnings coverage of net charge-offs (x) | 16.8125% | 1,606 |
| Efficiency ratio | 89.1330% | 482 |
| Assets per employee ($millions) | 2.4942% | 5,399 |
| Cash dividends to net income (ytd only)* | 43.1034% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7158% | 4,998 |
| Loan loss allowance to noncurrent loans | 31.5060% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 3.2784% | 225 |
| Noncurrent loans to loans | 2.2719% | 642 |
| Net loans and leases to total assets | 66.2602% | 2,992 |
| Net loans and leases to deposits | 78.0969% | 3,009 |
| Net loans and leases to core deposits | 85.4123% | 2,855 |
| Total domestic deposits to total assets | 84.8436% | 2,992 |
| Equity capital to assets | 8.8944% | 4,668 |
| Core capital (leverage) ratio | 9.3873% | 4,206 |
| Tier 1 risk-based capital ratio | 12.8784% | 4,018 |
| Total risk-based capital ratio | 13.6167% | 4,220 |
| Memoranda: | ||
| Average total assets | $204,593,000 | 2,893 |
| Average earning assets | $187,946,500 | 2,908 |
| Average equity | $18,543,500 | 3,302 |
| Average total loans | $135,119,500 | 2,872 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1453% | 110 |
| Cost of funding earning assets | 0.8426% | 496 |
| Net interest margin | 5.3028% | 144 |
| Noninterest income to average assets | 0.5826% | 2,536 |
| Noninterest expense to average assets | 4.6580% | 274 |
| Loan and lease loss provision to assets | 0.1454% | 1,567 |
| Net operating income to assets | 0.5549% | 4,212 |
| Return on assets (ROA) | 0.6255% | 3,949 |
| Pretax return on assets | 0.6255% | 4,683 |
| Return on Equity (ROE) | 6.4180% | 3,570 |
| Retained earnings to average equity (ytd only) | 3.9602% | 2,821 |
| Net charge-offs to loans | 0.0857% | 2,237 |
| Credit loss provision to net charge-offs | 250.4505% | 1,098 |
| Earnings coverage of net charge-offs (x) | 12.0631% | 2,508 |
| Efficiency ratio | 85.9360% | 652 |
| Assets per employee ($millions) | 2.5583% | 5,438 |
| Cash dividends to net income (ytd only)* | 38.2943% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7148% | 5,037 |
| Loan loss allowance to noncurrent loans | 20.1390% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 3.2492% | 233 |
| Noncurrent loans to loans | 3.5493% | 280 |
| Net loans and leases to total assets | 64.8816% | 3,250 |
| Net loans and leases to deposits | 78.1242% | 3,100 |
| Net loans and leases to core deposits | 84.4500% | 3,029 |
| Total domestic deposits to total assets | 83.0494% | 3,545 |
| Equity capital to assets | 9.2326% | 4,496 |
| Core capital (leverage) ratio | 9.6012% | 3,914 |
| Tier 1 risk-based capital ratio | 13.0905% | 3,856 |
| Total risk-based capital ratio | 13.8272% | 4,057 |
| Memoranda: | ||
| Average total assets | $191,220,800 | 3,004 |
| Average earning assets | $172,211,600 | 3,045 |
| Average equity | $18,635,200 | 3,285 |
| Average total loans | $129,502,800 | 2,923 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3431% | 82 |
| Cost of funding earning assets | 0.8036% | 569 |
| Net interest margin | 5.5395% | 98 |
| Noninterest income to average assets | 0.6700% | 2,124 |
| Noninterest expense to average assets | 4.7495% | 256 |
| Loan and lease loss provision to assets | 0.1966% | 967 |
| Net operating income to assets | 0.6849% | 4,049 |
| Return on assets (ROA) | 0.7772% | 3,663 |
| Pretax return on assets | 0.7772% | 4,410 |
| Return on Equity (ROE) | 7.8619% | 3,199 |
| Retained earnings to average equity (ytd only) | 5.2915% | 2,694 |
| Net charge-offs to loans | 0.0301% | 2,828 |
| Credit loss provision to net charge-offs | 955.1724% | 367 |
| Earnings coverage of net charge-offs (x) | 42.8229% | 1,239 |
| Efficiency ratio | 83.3880% | 807 |
| Assets per employee ($millions) | 2.3482% | 5,562 |
| Cash dividends to net income (ytd only)* | 32.6940% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7894% | 4,920 |
| Loan loss allowance to noncurrent loans | 18.8374% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 3.9221% | 173 |
| Noncurrent loans to loans | 4.1907% | 225 |
| Net loans and leases to total assets | 66.8683% | 2,995 |
| Net loans and leases to deposits | 81.5888% | 2,820 |
| Net loans and leases to core deposits | 87.1087% | 2,865 |
| Total domestic deposits to total assets | 81.9577% | 3,790 |
| Equity capital to assets | 9.8662% | 4,067 |
| Core capital (leverage) ratio | 10.1502% | 3,380 |
| Tier 1 risk-based capital ratio | 13.2128% | 3,870 |
| Total risk-based capital ratio | 14.0028% | 4,065 |
| Memoranda: | ||
| Average total assets | $187,859,750 | 3,071 |
| Average earning assets | $168,242,250 | 3,124 |
| Average equity | $18,570,000 | 3,321 |
| Average total loans | $128,442,000 | 2,961 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3709% | 85 |
| Cost of funding earning assets | 0.7951% | 539 |
| Net interest margin | 5.5757% | 96 |
| Noninterest income to average assets | 0.3525% | 4,035 |
| Noninterest expense to average assets | 4.8482% | 241 |
| Loan and lease loss provision to assets | 0.2587% | 638 |
| Net operating income to assets | 0.2048% | 5,392 |
| Return on assets (ROA) | 0.4215% | 4,953 |
| Pretax return on assets | 0.4215% | 5,140 |
| Return on Equity (ROE) | 4.2615% | 4,747 |
| Retained earnings to average equity (ytd only) | 2.0817% | 4,419 |
| Net charge-offs to loans | 0.0392% | 2,416 |
| Credit loss provision to net charge-offs | 960.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 17.2000% | 1,940 |
| Efficiency ratio | 90.2375% | 447 |
| Assets per employee ($millions) | 2.3849% | 5,595 |
| Cash dividends to net income (ytd only)* | 51.1509% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7521% | 5,076 |
| Loan loss allowance to noncurrent loans | 15.9847% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 4.4669% | 137 |
| Noncurrent loans to loans | 4.7049% | 172 |
| Net loans and leases to total assets | 70.3242% | 2,478 |
| Net loans and leases to deposits | 82.3882% | 2,663 |
| Net loans and leases to core deposits | 87.9407% | 2,704 |
| Total domestic deposits to total assets | 85.3572% | 2,665 |
| Equity capital to assets | 9.9848% | 3,930 |
| Core capital (leverage) ratio | 9.9230% | 3,629 |
| Tier 1 risk-based capital ratio | 12.7755% | 4,138 |
| Total risk-based capital ratio | 13.5358% | 4,320 |
| Memoranda: | ||
| Average total assets | $185,513,670 | 3,101 |
| Average earning assets | $165,000,330 | 3,177 |
| Average equity | $18,350,330 | 3,354 |
| Average total loans | $127,468,670 | 2,981 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8985% | 63 |
| Cost of funding earning assets | 0.7785% | 555 |
| Net interest margin | 6.1200% | 69 |
| Noninterest income to average assets | 0.3499% | 4,042 |
| Noninterest expense to average assets | 4.9286% | 242 |
| Loan and lease loss provision to assets | 0.2934% | 474 |
| Net operating income to assets | 0.5433% | 4,410 |
| Return on assets (ROA) | 0.4868% | 4,674 |
| Pretax return on assets | 0.4868% | 4,992 |
| Return on Equity (ROE) | 4.9449% | 4,418 |
| Retained earnings to average equity (ytd only) | 2.7374% | 4,038 |
| Net charge-offs to loans | 0.0675% | 1,654 |
| Credit loss provision to net charge-offs | 642.8571% | 485 |
| Earnings coverage of net charge-offs (x) | 18.3333% | 1,570 |
| Efficiency ratio | 85.4881% | 845 |
| Assets per employee ($millions) | 2.3635% | 5,666 |
| Cash dividends to net income (ytd only)* | 44.6429% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7207% | 5,260 |
| Loan loss allowance to noncurrent loans | 13.7276% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 6.4327% | 71 |
| Noncurrent loans to loans | 5.2501% | 149 |
| Net loans and leases to total assets | 66.6192% | 2,879 |
| Net loans and leases to deposits | 77.9083% | 2,979 |
| Net loans and leases to core deposits | 83.2001% | 2,975 |
| Total domestic deposits to total assets | 85.5097% | 2,884 |
| Equity capital to assets | 9.7548% | 4,015 |
| Core capital (leverage) ratio | 10.0587% | 3,426 |
| Tier 1 risk-based capital ratio | 13.7740% | 3,615 |
| Total risk-based capital ratio | 14.5372% | 3,817 |
| Memoranda: | ||
| Average total assets | $184,067,500 | 3,142 |
| Average earning assets | $162,875,000 | 3,232 |
| Average equity | $18,119,500 | 3,401 |
| Average total loans | $124,453,500 | 3,046 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7495% | 176 |
| Cost of funding earning assets | 0.7892% | 535 |
| Net interest margin | 4.9603% | 266 |
| Noninterest income to average assets | 1.7141% | 412 |
| Noninterest expense to average assets | 4.6603% | 327 |
| Loan and lease loss provision to assets | 0.1029% | 2,327 |
| Net operating income to assets | 1.3941% | 1,018 |
| Return on assets (ROA) | 1.4245% | 983 |
| Pretax return on assets | 1.4245% | 1,842 |
| Return on Equity (ROE) | 11.6609% | 1,352 |
| Retained earnings to average equity (ytd only) | 8.4298% | 727 |
| Net charge-offs to loans | 0.0995% | 2,285 |
| Credit loss provision to net charge-offs | 150.5155% | 1,818 |
| Earnings coverage of net charge-offs (x) | 21.8969% | 1,758 |
| Efficiency ratio | 75.6868% | 2,031 |
| Assets per employee ($millions) | 2.4184% | 5,700 |
| Cash dividends to net income (ytd only)* | 27.7091% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6383% | 5,469 |
| Loan loss allowance to noncurrent loans | 11.3086% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 6.8900% | 71 |
| Noncurrent loans to loans | 5.6442% | 119 |
| Net loans and leases to total assets | 67.7177% | 2,821 |
| Net loans and leases to deposits | 79.2900% | 2,967 |
| Net loans and leases to core deposits | 85.0978% | 2,921 |
| Total domestic deposits to total assets | 85.4051% | 2,874 |
| Equity capital to assets | 9.9163% | 3,803 |
| Core capital (leverage) ratio | 8.9306% | 4,821 |
| Tier 1 risk-based capital ratio | 12.6739% | 4,278 |
| Total risk-based capital ratio | 13.3248% | 4,561 |
| Memoranda: | ||
| Average total assets | $141,878,600 | 3,643 |
| Average earning assets | $127,090,000 | 3,700 |
| Average equity | $17,331,400 | 3,508 |
| Average total loans | $97,530,800 | 3,432 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3860% | 304 |
| Cost of funding earning assets | 0.7653% | 598 |
| Net interest margin | 4.6207% | 488 |
| Noninterest income to average assets | 1.8615% | 384 |
| Noninterest expense to average assets | 4.4674% | 397 |
| Loan and lease loss provision to assets | 0.0667% | 2,890 |
| Net operating income to assets | 1.4929% | 890 |
| Return on assets (ROA) | 1.5363% | 865 |
| Pretax return on assets | 1.5363% | 1,588 |
| Return on Equity (ROE) | 11.8126% | 1,388 |
| Retained earnings to average equity (ytd only) | 8.2400% | 1,069 |
| Net charge-offs to loans | 0.1436% | 1,550 |
| Credit loss provision to net charge-offs | 67.3469% | 2,833 |
| Earnings coverage of net charge-offs (x) | 15.7555% | 2,160 |
| Efficiency ratio | 74.1244% | 2,258 |
| Assets per employee ($millions) | 2.3049% | 5,803 |
| Cash dividends to net income (ytd only)* | 30.2433% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5983% | 5,612 |
| Loan loss allowance to noncurrent loans | 11.8414% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 7.2508% | 67 |
| Noncurrent loans to loans | 5.0525% | 165 |
| Net loans and leases to total assets | 63.7931% | 3,431 |
| Net loans and leases to deposits | 74.4432% | 3,551 |
| Net loans and leases to core deposits | 78.9219% | 3,562 |
| Total domestic deposits to total assets | 85.6936% | 2,513 |
| Equity capital to assets | 9.6142% | 4,542 |
| Core capital (leverage) ratio | 13.5041% | 997 |
| Tier 1 risk-based capital ratio | 13.0761% | 4,116 |
| Total risk-based capital ratio | 13.6720% | 4,422 |
| Memoranda: | ||
| Average total assets | $132,003,750 | 3,819 |
| Average earning assets | $118,997,250 | 3,865 |
| Average equity | $17,167,750 | 3,561 |
| Average total loans | $91,010,000 | 3,572 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3002% | 90 |
| Cost of funding earning assets | 0.8288% | 416 |
| Net interest margin | 5.4714% | 118 |
| Noninterest income to average assets | 2.2455% | 296 |
| Noninterest expense to average assets | 5.4112% | 220 |
| Loan and lease loss provision to assets | 0.0279% | 3,568 |
| Net operating income to assets | 1.8090% | 469 |
| Return on assets (ROA) | 1.8840% | 431 |
| Pretax return on assets | 1.8840% | 723 |
| Return on Equity (ROE) | 12.7083% | 1,099 |
| Retained earnings to average equity (ytd only) | 8.4683% | 1,018 |
| Net charge-offs to loans | 0.2271% | 1,031 |
| Credit loss provision to net charge-offs | 17.2043% | 2,952 |
| Earnings coverage of net charge-offs (x) | 11.3118% | 2,269 |
| Efficiency ratio | 74.6567% | 2,264 |
| Assets per employee ($millions) | 2.9007% | 5,533 |
| Cash dividends to net income (ytd only)* | 33.3642% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8097% | 5,255 |
| Loan loss allowance to noncurrent loans | 34.1049% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 3.2871% | 349 |
| Noncurrent loans to loans | 2.3741% | 757 |
| Net loans and leases to total assets | 69.9995% | 2,483 |
| Net loans and leases to deposits | 88.1704% | 1,973 |
| Net loans and leases to core deposits | 94.4682% | 2,112 |
| Total domestic deposits to total assets | 79.3912% | 4,695 |
| Equity capital to assets | 14.9878% | 731 |
| Core capital (leverage) ratio | 14.8003% | 643 |
| Tier 1 risk-based capital ratio | 19.5752% | 1,547 |
| Total risk-based capital ratio | 20.4353% | 1,618 |
| Memoranda: | ||
| Average total assets | $114,540,670 | 4,145 |
| Average earning assets | $104,726,670 | 4,154 |
| Average equity | $16,981,000 | 3,593 |
| Average total loans | $81,900,670 | 3,801 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6410% | 70 |
| Cost of funding earning assets | 0.8277% | 424 |
| Net interest margin | 5.8133% | 82 |
| Noninterest income to average assets | 2.1336% | 313 |
| Noninterest expense to average assets | 5.6557% | 198 |
| Loan and lease loss provision to assets | 0.0562% | 2,820 |
| Net operating income to assets | 1.7294% | 533 |
| Return on assets (ROA) | 1.7294% | 569 |
| Pretax return on assets | 1.7294% | 991 |
| Return on Equity (ROE) | 11.7307% | 1,391 |
| Retained earnings to average equity (ytd only) | 6.7237% | 2,017 |
| Net charge-offs to loans | 0.0488% | 2,061 |
| Credit loss provision to net charge-offs | 160.0000% | 1,227 |
| Earnings coverage of net charge-offs (x) | 50.8000% | 883 |
| Efficiency ratio | 76.0038% | 2,177 |
| Assets per employee ($millions) | 2.8265% | 5,663 |
| Cash dividends to net income (ytd only)* | 42.6829% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9217% | 4,982 |
| Loan loss allowance to noncurrent loans | 30.7629% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 4.1662% | 233 |
| Noncurrent loans to loans | 2.9961% | 547 |
| Net loans and leases to total assets | 69.2005% | 2,470 |
| Net loans and leases to deposits | 88.6434% | 1,745 |
| Net loans and leases to core deposits | 94.8042% | 1,903 |
| Total domestic deposits to total assets | 78.0662% | 5,136 |
| Equity capital to assets | 14.6309% | 798 |
| Core capital (leverage) ratio | 14.6972% | 667 |
| Tier 1 risk-based capital ratio | 18.8232% | 1,771 |
| Total risk-based capital ratio | 19.7652% | 1,807 |
| Memoranda: | ||
| Average total assets | $113,797,000 | 4,184 |
| Average earning assets | $103,900,000 | 4,213 |
| Average equity | $16,776,500 | 3,620 |
| Average total loans | $81,910,000 | 3,806 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1977% | 111 |
| Cost of funding earning assets | 0.8406% | 396 |
| Net interest margin | 5.3572% | 153 |
| Noninterest income to average assets | 0.7850% | 1,847 |
| Noninterest expense to average assets | 4.6455% | 370 |
| Loan and lease loss provision to assets | 0.0213% | 3,960 |
| Net operating income to assets | 0.9859% | 2,443 |
| Return on assets (ROA) | 0.9887% | 2,513 |
| Pretax return on assets | 0.9887% | 3,514 |
| Return on Equity (ROE) | 6.5941% | 3,738 |
| Retained earnings to average equity (ytd only) | 5.6248% | 2,000 |
| Net charge-offs to loans | -0.0289% | 5,386 |
| Credit loss provision to net charge-offs | -100.0000% | 5,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1815% | 1,389 |
| Assets per employee ($millions) | 2.6597% | 5,803 |
| Cash dividends to net income (ytd only)* | 14.7004% | 3,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8928% | 5,106 |
| Loan loss allowance to noncurrent loans | 29.3302% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 3.6470% | 311 |
| Noncurrent loans to loans | 3.0441% | 519 |
| Net loans and leases to total assets | 73.5312% | 1,802 |
| Net loans and leases to deposits | 95.7767% | 1,035 |
| Net loans and leases to core deposits | 100.5361% | 1,470 |
| Total domestic deposits to total assets | 76.7736% | 5,350 |
| Equity capital to assets | 14.8582% | 690 |
| Core capital (leverage) ratio | 14.7982% | 655 |
| Tier 1 risk-based capital ratio | 18.6824% | 1,780 |
| Total risk-based capital ratio | 19.6266% | 1,815 |
| Memoranda: | ||
| Average total assets | $108,019,000 | 4,295 |
| Average earning assets | $98,149,200 | 4,332 |
| Average equity | $16,196,200 | 3,645 |
| Average total loans | $79,562,000 | 3,840 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3876% | 87 |
| Cost of funding earning assets | 0.8288% | 426 |
| Net interest margin | 5.5588% | 113 |
| Noninterest income to average assets | 0.7096% | 2,187 |
| Noninterest expense to average assets | 4.7084% | 360 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0445% | 2,246 |
| Return on assets (ROA) | 1.0495% | 2,318 |
| Pretax return on assets | 1.0495% | 3,418 |
| Return on Equity (ROE) | 6.9830% | 3,624 |
| Retained earnings to average equity (ytd only) | 6.5026% | 1,956 |
| Net charge-offs to loans | -0.0390% | 5,456 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8438% | 1,416 |
| Assets per employee ($millions) | 2.6311% | 5,883 |
| Cash dividends to net income (ytd only)* | 6.8801% | 3,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8688% | 5,303 |
| Loan loss allowance to noncurrent loans | 29.3492% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 4.1065% | 279 |
| Noncurrent loans to loans | 2.9604% | 603 |
| Net loans and leases to total assets | 74.0288% | 1,729 |
| Net loans and leases to deposits | 96.9128% | 916 |
| Net loans and leases to core deposits | 99.9365% | 1,522 |
| Total domestic deposits to total assets | 76.3870% | 5,433 |
| Equity capital to assets | 14.9221% | 756 |
| Core capital (leverage) ratio | 14.8187% | 673 |
| Tier 1 risk-based capital ratio | 18.4914% | 1,899 |
| Total risk-based capital ratio | 19.4071% | 1,956 |
| Memoranda: | ||
| Average total assets | $107,096,500 | 4,362 |
| Average earning assets | $97,165,500 | 4,404 |
| Average equity | $16,095,750 | 3,694 |
| Average total loans | $78,732,250 | 3,902 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7233% | 68 |
| Cost of funding earning assets | 0.8075% | 478 |
| Net interest margin | 5.9158% | 79 |
| Noninterest income to average assets | 0.6682% | 2,367 |
| Noninterest expense to average assets | 4.5923% | 386 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4137% | 1,064 |
| Return on assets (ROA) | 1.4251% | 1,081 |
| Pretax return on assets | 1.4251% | 1,888 |
| Return on Equity (ROE) | 9.4586% | 2,319 |
| Retained earnings to average equity (ytd only) | 8.7320% | 1,017 |
| Net charge-offs to loans | 0.0413% | 2,862 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 46.8125% | 1,006 |
| Efficiency ratio | 76.4613% | 2,286 |
| Assets per employee ($millions) | 3.1347% | 5,422 |
| Cash dividends to net income (ytd only)* | 7.6821% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8426% | 5,489 |
| Loan loss allowance to noncurrent loans | 27.7983% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 4.1781% | 304 |
| Noncurrent loans to loans | 3.0310% | 652 |
| Net loans and leases to total assets | 72.7254% | 1,857 |
| Net loans and leases to deposits | 95.7231% | 987 |
| Net loans and leases to core deposits | 99.2129% | 1,556 |
| Total domestic deposits to total assets | 75.9748% | 5,598 |
| Equity capital to assets | 14.8760% | 724 |
| Core capital (leverage) ratio | 15.2581% | 581 |
| Tier 1 risk-based capital ratio | 18.5814% | 1,900 |
| Total risk-based capital ratio | 19.4619% | 1,968 |
| Memoranda: | ||
| Average total assets | $105,959,670 | 4,421 |
| Average earning assets | $95,608,000 | 4,481 |
| Average equity | $15,964,330 | 3,730 |
| Average total loans | $77,468,330 | 3,963 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8876% | 146 |
| Cost of funding earning assets | 0.8167% | 457 |
| Net interest margin | 5.0710% | 218 |
| Noninterest income to average assets | 0.8954% | 1,399 |
| Noninterest expense to average assets | 4.6117% | 397 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8416% | 3,055 |
| Return on assets (ROA) | 0.8455% | 3,152 |
| Pretax return on assets | 0.8455% | 4,081 |
| Return on Equity (ROE) | 5.5746% | 4,244 |
| Retained earnings to average equity (ytd only) | 4.9411% | 3,084 |
| Net charge-offs to loans | -0.0158% | 4,938 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5666% | 1,311 |
| Assets per employee ($millions) | 3.1215% | 5,520 |
| Cash dividends to net income (ytd only)* | 11.3636% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9103% | 5,411 |
| Loan loss allowance to noncurrent loans | 20.3920% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 5.6974% | 193 |
| Noncurrent loans to loans | 4.4641% | 355 |
| Net loans and leases to total assets | 73.6514% | 1,554 |
| Net loans and leases to deposits | 96.6570% | 787 |
| Net loans and leases to core deposits | 99.7515% | 1,337 |
| Total domestic deposits to total assets | 76.1987% | 5,718 |
| Equity capital to assets | 15.4362% | 636 |
| Core capital (leverage) ratio | 15.1101% | 593 |
| Tier 1 risk-based capital ratio | 18.7153% | 1,938 |
| Total risk-based capital ratio | 19.6530% | 1,982 |
| Memoranda: | ||
| Average total assets | $104,082,500 | 4,498 |
| Average earning assets | $93,552,000 | 4,560 |
| Average equity | $15,786,000 | 3,783 |
| Average total loans | $75,968,500 | 4,022 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4243% | 54 |
| Cost of funding earning assets | 1.0316% | 193 |
| Net interest margin | 6.3927% | 66 |
| Noninterest income to average assets | 2.1245% | 310 |
| Noninterest expense to average assets | 4.0651% | 703 |
| Loan and lease loss provision to assets | -0.0497% | 6,036 |
| Net operating income to assets | 2.6104% | 128 |
| Return on assets (ROA) | 2.5607% | 130 |
| Pretax return on assets | 2.5607% | 172 |
| Return on Equity (ROE) | 18.3991% | 363 |
| Retained earnings to average equity (ytd only) | 16.9160% | 107 |
| Net charge-offs to loans | 0.1637% | 2,395 |
| Credit loss provision to net charge-offs | -57.3034% | 5,437 |
| Earnings coverage of net charge-offs (x) | 29.5506% | 1,357 |
| Efficiency ratio | 61.3519% | 5,014 |
| Assets per employee ($millions) | 3.1865% | 5,448 |
| Cash dividends to net income (ytd only)* | 8.0608% | 4,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 5,400 |
| Loan loss allowance to noncurrent loans | 17.1867% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 5.5509% | 226 |
| Noncurrent loans to loans | 5.3575% | 252 |
| Net loans and leases to total assets | 71.0168% | 2,073 |
| Net loans and leases to deposits | 93.4035% | 1,138 |
| Net loans and leases to core deposits | 96.6442% | 1,666 |
| Total domestic deposits to total assets | 76.0323% | 5,721 |
| Equity capital to assets | 14.9029% | 719 |
| Core capital (leverage) ratio | 14.9154% | 624 |
| Tier 1 risk-based capital ratio | 18.7538% | 1,922 |
| Total risk-based capital ratio | 19.7017% | 1,976 |
| Memoranda: | ||
| Average total assets | $102,704,600 | 4,534 |
| Average earning assets | $72,316,400 | 5,080 |
| Average equity | $14,294,200 | 3,980 |
| Average total loans | $54,369,400 | 4,677 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0099% | 756 |
| Cost of funding earning assets | 1.1000% | 142 |
| Net interest margin | 3.9099% | 2,197 |
| Noninterest income to average assets | 3.7860% | 155 |
| Noninterest expense to average assets | 4.0812% | 699 |
| Loan and lease loss provision to assets | -0.0666% | 6,220 |
| Net operating income to assets | 2.3338% | 186 |
| Return on assets (ROA) | 2.2789% | 205 |
| Pretax return on assets | 2.2789% | 311 |
| Return on Equity (ROE) | 16.6782% | 595 |
| Retained earnings to average equity (ytd only) | 14.6520% | 223 |
| Net charge-offs to loans | 0.1982% | 1,884 |
| Credit loss provision to net charge-offs | -69.8630% | 5,390 |
| Earnings coverage of net charge-offs (x) | 23.7811% | 1,571 |
| Efficiency ratio | 64.2872% | 4,493 |
| Assets per employee ($millions) | 3.1242% | 5,552 |
| Cash dividends to net income (ytd only)* | 12.1490% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 3,310 |
| Loan loss allowance to noncurrent loans | 153.6797% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 1.0504% | 2,858 |
| Noncurrent loans to loans | 0.8904% | 3,344 |
| Net loans and leases to total assets | 49.6363% | 5,045 |
| Net loans and leases to deposits | 65.0023% | 4,432 |
| Net loans and leases to core deposits | 66.8823% | 4,618 |
| Total domestic deposits to total assets | 76.3608% | 5,767 |
| Equity capital to assets | 14.3055% | 909 |
| Core capital (leverage) ratio | 14.0642% | 830 |
| Tier 1 risk-based capital ratio | 17.1048% | 2,572 |
| Total risk-based capital ratio | 18.0403% | 2,638 |
| Memoranda: | ||
| Average total assets | $102,092,250 | 4,599 |
| Average earning assets | $66,905,750 | 5,257 |
| Average equity | $13,950,000 | 4,050 |
| Average total loans | $49,119,000 | 4,898 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9791% | 782 |
| Cost of funding earning assets | 1.0753% | 170 |
| Net interest margin | 3.9039% | 2,147 |
| Noninterest income to average assets | 4.2474% | 141 |
| Noninterest expense to average assets | 4.0646% | 707 |
| Loan and lease loss provision to assets | 0.3007% | 655 |
| Net operating income to assets | 2.4510% | 151 |
| Return on assets (ROA) | 2.3468% | 184 |
| Pretax return on assets | 2.3468% | 279 |
| Return on Equity (ROE) | 17.4515% | 508 |
| Retained earnings to average equity (ytd only) | 16.9984% | 144 |
| Net charge-offs to loans | 0.1992% | 1,837 |
| Credit loss provision to net charge-offs | 318.7500% | 814 |
| Earnings coverage of net charge-offs (x) | 29.1667% | 1,277 |
| Efficiency ratio | 59.6309% | 5,348 |
| Assets per employee ($millions) | 3.1854% | 5,451 |
| Cash dividends to net income (ytd only)* | 2.5963% | 3,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9153% | 1,545 |
| Loan loss allowance to noncurrent loans | 142.2727% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 1.2424% | 2,622 |
| Noncurrent loans to loans | 1.3462% | 2,557 |
| Net loans and leases to total assets | 45.7462% | 5,389 |
| Net loans and leases to deposits | 59.6145% | 4,896 |
| Net loans and leases to core deposits | 61.2922% | 5,028 |
| Total domestic deposits to total assets | 76.7368% | 5,826 |
| Equity capital to assets | 13.6721% | 1,095 |
| Core capital (leverage) ratio | 13.9535% | 846 |
| Tier 1 risk-based capital ratio | 16.7437% | 2,730 |
| Total risk-based capital ratio | 17.9517% | 2,707 |
| Memoranda: | ||
| Average total assets | $101,756,330 | 4,641 |
| Average earning assets | $66,959,330 | 5,301 |
| Average equity | $13,683,670 | 4,102 |
| Average total loans | $48,197,000 | 4,959 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0926% | 601 |
| Cost of funding earning assets | 1.0960% | 166 |
| Net interest margin | 3.9965% | 1,776 |
| Noninterest income to average assets | 4.1769% | 141 |
| Noninterest expense to average assets | 4.0849% | 694 |
| Loan and lease loss provision to assets | 0.0600% | 2,911 |
| Net operating income to assets | 2.6700% | 125 |
| Return on assets (ROA) | 2.6700% | 132 |
| Pretax return on assets | 2.6700% | 187 |
| Return on Equity (ROE) | 20.0307% | 282 |
| Retained earnings to average equity (ytd only) | 19.2811% | 133 |
| Net charge-offs to loans | -0.0251% | 5,465 |
| Credit loss provision to net charge-offs | -500.0000% | 5,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9413% | 5,419 |
| Assets per employee ($millions) | 3.2081% | 5,509 |
| Cash dividends to net income (ytd only)* | 3.7425% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7337% | 2,233 |
| Loan loss allowance to noncurrent loans | 175.6701% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 1.2338% | 2,789 |
| Noncurrent loans to loans | 0.9869% | 3,447 |
| Net loans and leases to total assets | 48.5581% | 5,058 |
| Net loans and leases to deposits | 63.7791% | 4,333 |
| Net loans and leases to core deposits | 66.2083% | 4,472 |
| Total domestic deposits to total assets | 76.1347% | 6,064 |
| Equity capital to assets | 13.7798% | 996 |
| Core capital (leverage) ratio | 13.7457% | 911 |
| Tier 1 risk-based capital ratio | 16.8554% | 2,755 |
| Total risk-based capital ratio | 18.0108% | 2,750 |
| Memoranda: | ||
| Average total assets | $100,075,000 | 4,735 |
| Average earning assets | $66,057,000 | 5,375 |
| Average equity | $13,339,500 | 4,178 |
| Average total loans | $47,782,000 | 5,020 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9433% | 1,018 |
| Cost of funding earning assets | 1.2362% | 148 |
| Net interest margin | 3.7070% | 3,023 |
| Noninterest income to average assets | 2.4239% | 294 |
| Noninterest expense to average assets | 3.7906% | 1,152 |
| Loan and lease loss provision to assets | -0.0844% | 6,459 |
| Net operating income to assets | 1.1542% | 1,743 |
| Return on assets (ROA) | 1.1552% | 1,801 |
| Pretax return on assets | 1.1552% | 2,754 |
| Return on Equity (ROE) | 8.6635% | 2,719 |
| Retained earnings to average equity (ytd only) | 5.3512% | 2,382 |
| Net charge-offs to loans | 0.0339% | 4,762 |
| Credit loss provision to net charge-offs | -540.0000% | 6,149 |
| Earnings coverage of net charge-offs (x) | 68.4667% | 615 |
| Efficiency ratio | 77.9897% | 2,468 |
| Assets per employee ($millions) | 3.7296% | 4,415 |
| Cash dividends to net income (ytd only)* | 38.2326% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7966% | 2,072 |
| Loan loss allowance to noncurrent loans | 125.4135% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 4.9285% | 485 |
| Noncurrent loans to loans | 1.4325% | 2,742 |
| Net loans and leases to total assets | 45.2701% | 5,555 |
| Net loans and leases to deposits | 60.1277% | 4,927 |
| Net loans and leases to core deposits | 62.5765% | 5,010 |
| Total domestic deposits to total assets | 75.2900% | 6,162 |
| Equity capital to assets | 12.8848% | 1,331 |
| Core capital (leverage) ratio | 13.0587% | 1,118 |
| Tier 1 risk-based capital ratio | 16.3962% | 2,903 |
| Total risk-based capital ratio | 17.5528% | 2,916 |
| Memoranda: | ||
| Average total assets | $96,000,400 | 4,837 |
| Average earning assets | $63,096,000 | 5,503 |
| Average equity | $12,800,800 | 4,300 |
| Average total loans | $44,295,400 | 5,177 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9151% | 1,091 |
| Cost of funding earning assets | 1.2672% | 145 |
| Net interest margin | 3.6479% | 3,241 |
| Noninterest income to average assets | 2.4901% | 294 |
| Noninterest expense to average assets | 3.7949% | 1,090 |
| Loan and lease loss provision to assets | -0.1139% | 6,644 |
| Net operating income to assets | 1.2134% | 1,587 |
| Return on assets (ROA) | 1.2148% | 1,655 |
| Pretax return on assets | 1.2148% | 2,639 |
| Return on Equity (ROE) | 9.0299% | 2,615 |
| Retained earnings to average equity (ytd only) | 4.5986% | 3,397 |
| Net charge-offs to loans | 0.0731% | 3,897 |
| Credit loss provision to net charge-offs | -337.5000% | 5,982 |
| Earnings coverage of net charge-offs (x) | 32.5825% | 1,163 |
| Efficiency ratio | 77.5352% | 2,479 |
| Assets per employee ($millions) | 3.8512% | 4,127 |
| Cash dividends to net income (ytd only)* | 49.0742% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8745% | 2,074 |
| Loan loss allowance to noncurrent loans | 156.2500% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 4.8696% | 585 |
| Noncurrent loans to loans | 1.1997% | 3,422 |
| Net loans and leases to total assets | 43.1301% | 5,804 |
| Net loans and leases to deposits | 57.2825% | 5,253 |
| Net loans and leases to core deposits | 59.6258% | 5,328 |
| Total domestic deposits to total assets | 75.2936% | 6,248 |
| Equity capital to assets | 12.6463% | 1,503 |
| Core capital (leverage) ratio | 13.2409% | 1,115 |
| Tier 1 risk-based capital ratio | 16.2163% | 3,078 |
| Total risk-based capital ratio | 17.3708% | 3,086 |
| Memoranda: | ||
| Average total assets | $94,825,500 | 4,914 |
| Average earning assets | $62,499,750 | 5,578 |
| Average equity | $12,757,250 | 4,354 |
| Average total loans | $43,764,000 | 5,251 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9537% | 991 |
| Cost of funding earning assets | 1.2941% | 145 |
| Net interest margin | 3.6596% | 3,137 |
| Noninterest income to average assets | 2.7661% | 281 |
| Noninterest expense to average assets | 3.9266% | 949 |
| Loan and lease loss provision to assets | -0.1741% | 6,769 |
| Net operating income to assets | 1.4507% | 983 |
| Return on assets (ROA) | 1.4507% | 1,060 |
| Pretax return on assets | 1.4507% | 1,763 |
| Return on Equity (ROE) | 10.5562% | 1,991 |
| Retained earnings to average equity (ytd only) | 9.9307% | 860 |
| Net charge-offs to loans | 0.0641% | 3,786 |
| Credit loss provision to net charge-offs | -578.5714% | 5,933 |
| Earnings coverage of net charge-offs (x) | 42.4286% | 892 |
| Efficiency ratio | 75.4647% | 2,863 |
| Assets per employee ($millions) | 3.6239% | 4,562 |
| Cash dividends to net income (ytd only)* | 5.9259% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9784% | 1,897 |
| Loan loss allowance to noncurrent loans | 153.5912% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 5.7917% | 483 |
| Noncurrent loans to loans | 1.2881% | 3,402 |
| Net loans and leases to total assets | 43.8554% | 5,751 |
| Net loans and leases to deposits | 57.3170% | 5,215 |
| Net loans and leases to core deposits | 59.7694% | 5,278 |
| Total domestic deposits to total assets | 76.5137% | 6,193 |
| Equity capital to assets | 13.7071% | 1,053 |
| Core capital (leverage) ratio | 13.8870% | 850 |
| Tier 1 risk-based capital ratio | 17.8097% | 2,391 |
| Total risk-based capital ratio | 19.0600% | 2,357 |
| Memoranda: | ||
| Average total assets | $93,056,670 | 4,984 |
| Average earning assets | $61,974,000 | 5,627 |
| Average equity | $12,788,670 | 4,377 |
| Average total loans | $43,681,330 | 5,277 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9233% | 1,020 |
| Cost of funding earning assets | 1.2973% | 160 |
| Net interest margin | 3.6260% | 3,159 |
| Noninterest income to average assets | 2.1498% | 394 |
| Noninterest expense to average assets | 3.7243% | 1,208 |
| Loan and lease loss provision to assets | -0.3504% | 6,926 |
| Net operating income to assets | 1.2544% | 1,392 |
| Return on assets (ROA) | 1.2544% | 1,491 |
| Pretax return on assets | 1.2544% | 2,397 |
| Return on Equity (ROE) | 9.1156% | 2,432 |
| Retained earnings to average equity (ytd only) | 8.8012% | 1,454 |
| Net charge-offs to loans | 0.0810% | 3,028 |
| Credit loss provision to net charge-offs | -900.0000% | 5,596 |
| Earnings coverage of net charge-offs (x) | 23.2222% | 1,112 |
| Efficiency ratio | 80.4673% | 2,260 |
| Assets per employee ($millions) | 3.6114% | 4,754 |
| Cash dividends to net income (ytd only)* | 3.4483% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8997% | 2,300 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 6.2782% | 496 |
| Noncurrent loans to loans | 2.2163% | 2,370 |
| Net loans and leases to total assets | 46.1974% | 5,415 |
| Net loans and leases to deposits | 60.2548% | 4,764 |
| Net loans and leases to core deposits | 63.3607% | 4,806 |
| Total domestic deposits to total assets | 76.6702% | 6,283 |
| Equity capital to assets | 13.6756% | 1,149 |
| Core capital (leverage) ratio | 13.7422% | 863 |
| Tier 1 risk-based capital ratio | 17.4709% | 2,568 |
| Total risk-based capital ratio | 18.7206% | 2,532 |
| Memoranda: | ||
| Average total assets | $92,474,500 | 5,040 |
| Average earning assets | $63,209,500 | 5,641 |
| Average equity | $12,725,500 | 4,429 |
| Average total loans | $44,444,500 | 5,284 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1016% | 1,311 |
| Cost of funding earning assets | 1.3938% | 258 |
| Net interest margin | 3.7078% | 3,616 |
| Noninterest income to average assets | 3.6940% | 198 |
| Noninterest expense to average assets | 4.0861% | 877 |
| Loan and lease loss provision to assets | -0.0632% | 6,884 |
| Net operating income to assets | 2.4205% | 172 |
| Return on assets (ROA) | 2.4241% | 188 |
| Pretax return on assets | 2.4241% | 282 |
| Return on Equity (ROE) | 17.5155% | 489 |
| Retained earnings to average equity (ytd only) | 9.5655% | 686 |
| Net charge-offs to loans | 0.4632% | 2,383 |
| Credit loss provision to net charge-offs | -26.2136% | 6,245 |
| Earnings coverage of net charge-offs (x) | 9.7767% | 2,225 |
| Efficiency ratio | 63.4151% | 4,992 |
| Assets per employee ($millions) | 3.3723% | 5,279 |
| Cash dividends to net income (ytd only)* | 45.3887% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0819% | 1,814 |
| Loan loss allowance to noncurrent loans | 91.5354% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 6.5874% | 500 |
| Noncurrent loans to loans | 2.2744% | 2,380 |
| Net loans and leases to total assets | 48.0396% | 5,417 |
| Net loans and leases to deposits | 61.2894% | 4,869 |
| Net loans and leases to core deposits | 64.0687% | 4,948 |
| Total domestic deposits to total assets | 78.3816% | 6,016 |
| Equity capital to assets | 13.8492% | 1,102 |
| Core capital (leverage) ratio | 13.9590% | 813 |
| Tier 1 risk-based capital ratio | 17.8387% | 2,319 |
| Total risk-based capital ratio | 19.0919% | 2,293 |
| Memoranda: | ||
| Average total assets | $85,435,200 | 5,204 |
| Average earning assets | $63,353,200 | 5,626 |
| Average equity | $11,823,800 | 4,604 |
| Average total loans | $44,477,000 | 5,306 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1440% | 1,320 |
| Cost of funding earning assets | 1.3983% | 295 |
| Net interest margin | 3.7457% | 3,577 |
| Noninterest income to average assets | 2.3800% | 327 |
| Noninterest expense to average assets | 4.0302% | 901 |
| Loan and lease loss provision to assets | -0.0857% | 7,025 |
| Net operating income to assets | 1.2535% | 1,570 |
| Return on assets (ROA) | 1.2582% | 1,711 |
| Pretax return on assets | 1.2582% | 2,755 |
| Return on Equity (ROE) | 9.0934% | 2,750 |
| Retained earnings to average equity (ytd only) | 5.3093% | 3,149 |
| Net charge-offs to loans | 0.6002% | 1,833 |
| Credit loss provision to net charge-offs | -27.0000% | 6,136 |
| Earnings coverage of net charge-offs (x) | 3.6800% | 3,555 |
| Efficiency ratio | 77.5336% | 2,452 |
| Assets per employee ($millions) | 3.1071% | 5,833 |
| Cash dividends to net income (ytd only)* | 41.6141% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2390% | 1,631 |
| Loan loss allowance to noncurrent loans | 86.8275% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 6.3599% | 605 |
| Noncurrent loans to loans | 2.5786% | 2,214 |
| Net loans and leases to total assets | 46.9769% | 5,660 |
| Net loans and leases to deposits | 60.2343% | 5,178 |
| Net loans and leases to core deposits | 62.2937% | 5,329 |
| Total domestic deposits to total assets | 77.9903% | 6,078 |
| Equity capital to assets | 13.7957% | 1,234 |
| Core capital (leverage) ratio | 13.7496% | 924 |
| Tier 1 risk-based capital ratio | 18.1361% | 2,289 |
| Total risk-based capital ratio | 19.3899% | 2,264 |
| Memoranda: | ||
| Average total assets | $84,031,000 | 5,298 |
| Average earning assets | $63,218,250 | 5,688 |
| Average equity | $11,627,250 | 4,687 |
| Average total loans | $44,428,500 | 5,378 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2223% | 1,196 |
| Cost of funding earning assets | 1.4061% | 343 |
| Net interest margin | 3.8161% | 3,285 |
| Noninterest income to average assets | 1.4812% | 664 |
| Noninterest expense to average assets | 4.0341% | 904 |
| Loan and lease loss provision to assets | -0.1301% | 7,123 |
| Net operating income to assets | 0.4793% | 4,911 |
| Return on assets (ROA) | 0.4865% | 5,132 |
| Pretax return on assets | 0.4865% | 5,480 |
| Return on Equity (ROE) | 3.5123% | 5,473 |
| Retained earnings to average equity (ytd only) | 0.4695% | 5,883 |
| Net charge-offs to loans | 0.1589% | 3,650 |
| Credit loss provision to net charge-offs | -150.0000% | 6,102 |
| Earnings coverage of net charge-offs (x) | 4.0278% | 3,194 |
| Efficiency ratio | 92.0330% | 925 |
| Assets per employee ($millions) | 3.1134% | 5,813 |
| Cash dividends to net income (ytd only)* | 86.6337% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4888% | 1,300 |
| Loan loss allowance to noncurrent loans | 90.0164% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 7.2495% | 521 |
| Noncurrent loans to loans | 2.7648% | 2,170 |
| Net loans and leases to total assets | 51.2699% | 5,189 |
| Net loans and leases to deposits | 64.8529% | 4,656 |
| Net loans and leases to core deposits | 66.6471% | 4,931 |
| Total domestic deposits to total assets | 79.0557% | 5,951 |
| Equity capital to assets | 13.6508% | 1,242 |
| Core capital (leverage) ratio | 13.6398% | 923 |
| Tier 1 risk-based capital ratio | 17.5137% | 2,469 |
| Total risk-based capital ratio | 18.7711% | 2,432 |
| Memoranda: | ||
| Average total assets | $83,042,000 | 5,350 |
| Average earning assets | $63,152,670 | 5,731 |
| Average equity | $11,502,330 | 4,714 |
| Average total loans | $45,303,000 | 5,366 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2450% | 1,215 |
| Cost of funding earning assets | 1.4140% | 409 |
| Net interest margin | 3.8310% | 3,238 |
| Noninterest income to average assets | 1.8805% | 456 |
| Noninterest expense to average assets | 4.0081% | 926 |
| Loan and lease loss provision to assets | -0.2617% | 7,222 |
| Net operating income to assets | 1.1147% | 2,011 |
| Return on assets (ROA) | 1.1147% | 2,194 |
| Pretax return on assets | 1.1147% | 3,270 |
| Return on Equity (ROE) | 7.9889% | 3,286 |
| Retained earnings to average equity (ytd only) | 6.0785% | 2,909 |
| Net charge-offs to loans | 0.0349% | 4,204 |
| Credit loss provision to net charge-offs | -1,350.0000% | 5,968 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 693 |
| Efficiency ratio | 82.4526% | 1,878 |
| Assets per employee ($millions) | 2.9280% | 6,295 |
| Cash dividends to net income (ytd only)* | 23.9130% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4962% | 1,364 |
| Loan loss allowance to noncurrent loans | 71.6909% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 7.6930% | 515 |
| Noncurrent loans to loans | 3.4819% | 1,797 |
| Net loans and leases to total assets | 53.9337% | 4,735 |
| Net loans and leases to deposits | 68.7870% | 3,912 |
| Net loans and leases to core deposits | 70.3711% | 4,358 |
| Total domestic deposits to total assets | 78.4068% | 6,208 |
| Equity capital to assets | 14.1723% | 961 |
| Core capital (leverage) ratio | 13.9004% | 827 |
| Tier 1 risk-based capital ratio | 19.3252% | 1,892 |
| Total risk-based capital ratio | 20.5852% | 1,857 |
| Memoranda: | ||
| Average total assets | $82,532,500 | 5,400 |
| Average earning assets | $64,213,500 | 5,746 |
| Average equity | $11,516,000 | 4,725 |
| Average total loans | $45,855,500 | 5,382 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5350% | 1,084 |
| Cost of funding earning assets | 1.5511% | 580 |
| Net interest margin | 3.9838% | 2,968 |
| Noninterest income to average assets | 2.5523% | 257 |
| Noninterest expense to average assets | 3.8805% | 1,211 |
| Loan and lease loss provision to assets | 0.6591% | 1,546 |
| Net operating income to assets | 1.2489% | 1,384 |
| Return on assets (ROA) | 1.0792% | 2,029 |
| Pretax return on assets | 1.0792% | 2,913 |
| Return on Equity (ROE) | 7.7321% | 3,040 |
| Retained earnings to average equity (ytd only) | 4.2256% | 3,179 |
| Net charge-offs to loans | 1.5726% | 1,005 |
| Credit loss provision to net charge-offs | 72.8767% | 4,739 |
| Earnings coverage of net charge-offs (x) | 2.1096% | 4,198 |
| Efficiency ratio | 67.0377% | 4,568 |
| Assets per employee ($millions) | 2.9672% | 6,163 |
| Cash dividends to net income (ytd only)* | 45.3502% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5668% | 1,226 |
| Loan loss allowance to noncurrent loans | 102.5862% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 7.4048% | 599 |
| Noncurrent loans to loans | 2.5020% | 2,624 |
| Net loans and leases to total assets | 54.3710% | 4,983 |
| Net loans and leases to deposits | 70.0385% | 4,091 |
| Net loans and leases to core deposits | 72.5666% | 4,427 |
| Total domestic deposits to total assets | 77.6303% | 6,252 |
| Equity capital to assets | 13.7372% | 1,155 |
| Core capital (leverage) ratio | 13.7862% | 875 |
| Tier 1 risk-based capital ratio | 18.8535% | 1,942 |
| Total risk-based capital ratio | 20.1118% | 1,901 |
| Memoranda: | ||
| Average total assets | $80,710,400 | 5,441 |
| Average earning assets | $65,564,800 | 5,679 |
| Average equity | $11,264,800 | 4,727 |
| Average total loans | $46,418,800 | 5,402 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6308% | 971 |
| Cost of funding earning assets | 1.5757% | 649 |
| Net interest margin | 4.0551% | 2,669 |
| Noninterest income to average assets | 2.7842% | 235 |
| Noninterest expense to average assets | 3.5946% | 1,720 |
| Loan and lease loss provision to assets | 0.7772% | 1,210 |
| Net operating income to assets | 1.7357% | 583 |
| Return on assets (ROA) | 1.5077% | 1,002 |
| Pretax return on assets | 1.5077% | 1,636 |
| Return on Equity (ROE) | 10.7588% | 1,940 |
| Retained earnings to average equity (ytd only) | 8.5619% | 1,293 |
| Net charge-offs to loans | 2.0244% | 623 |
| Credit loss provision to net charge-offs | 66.2411% | 4,596 |
| Earnings coverage of net charge-offs (x) | 2.1418% | 4,061 |
| Efficiency ratio | 58.8556% | 5,887 |
| Assets per employee ($millions) | 3.1082% | 5,881 |
| Cash dividends to net income (ytd only)* | 20.4194% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5182% | 1,372 |
| Loan loss allowance to noncurrent loans | 96.4765% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 6.1711% | 853 |
| Noncurrent loans to loans | 2.6101% | 2,658 |
| Net loans and leases to total assets | 55.0884% | 4,984 |
| Net loans and leases to deposits | 71.1901% | 4,106 |
| Net loans and leases to core deposits | 73.7859% | 4,483 |
| Total domestic deposits to total assets | 77.3821% | 6,315 |
| Equity capital to assets | 14.3951% | 1,025 |
| Core capital (leverage) ratio | 14.3958% | 793 |
| Tier 1 risk-based capital ratio | 19.9855% | 1,688 |
| Total risk-based capital ratio | 21.2442% | 1,658 |
| Memoranda: | ||
| Average total assets | $80,117,750 | 5,500 |
| Average earning assets | $65,661,000 | 5,727 |
| Average equity | $11,227,750 | 4,754 |
| Average total loans | $46,433,000 | 5,456 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7495% | 795 |
| Cost of funding earning assets | 1.6148% | 659 |
| Net interest margin | 4.1348% | 2,286 |
| Noninterest income to average assets | 2.5461% | 266 |
| Noninterest expense to average assets | 3.5000% | 1,976 |
| Loan and lease loss provision to assets | 0.6009% | 1,607 |
| Net operating income to assets | 1.8301% | 471 |
| Return on assets (ROA) | 1.7450% | 592 |
| Pretax return on assets | 1.7450% | 968 |
| Return on Equity (ROE) | 12.5669% | 1,320 |
| Retained earnings to average equity (ytd only) | 9.6821% | 920 |
| Net charge-offs to loans | 2.2233% | 582 |
| Credit loss provision to net charge-offs | 46.2428% | 4,670 |
| Earnings coverage of net charge-offs (x) | 1.8709% | 3,930 |
| Efficiency ratio | 59.0122% | 6,026 |
| Assets per employee ($millions) | 2.7543% | 6,552 |
| Cash dividends to net income (ytd only)* | 22.9555% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4774% | 1,477 |
| Loan loss allowance to noncurrent loans | 72.5311% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 6.6866% | 784 |
| Noncurrent loans to loans | 3.4157% | 2,077 |
| Net loans and leases to total assets | 54.6535% | 5,200 |
| Net loans and leases to deposits | 70.6117% | 4,352 |
| Net loans and leases to core deposits | 73.2110% | 4,683 |
| Total domestic deposits to total assets | 77.4000% | 6,393 |
| Equity capital to assets | 14.2283% | 1,022 |
| Core capital (leverage) ratio | 14.2792% | 809 |
| Tier 1 risk-based capital ratio | 19.7778% | 1,655 |
| Total risk-based capital ratio | 21.0368% | 1,625 |
| Memoranda: | ||
| Average total assets | $79,886,330 | 5,550 |
| Average earning assets | $65,396,670 | 5,775 |
| Average equity | $11,092,670 | 4,783 |
| Average total loans | $46,688,000 | 5,487 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4563% | 1,415 |
| Cost of funding earning assets | 1.6369% | 710 |
| Net interest margin | 3.8194% | 3,515 |
| Noninterest income to average assets | 2.9740% | 225 |
| Noninterest expense to average assets | 3.4647% | 2,104 |
| Loan and lease loss provision to assets | 0.6008% | 1,432 |
| Net operating income to assets | 2.0278% | 334 |
| Return on assets (ROA) | 2.0278% | 352 |
| Pretax return on assets | 2.0278% | 531 |
| Return on Equity (ROE) | 14.7857% | 860 |
| Retained earnings to average equity (ytd only) | 11.6826% | 781 |
| Net charge-offs to loans | 2.5603% | 437 |
| Credit loss provision to net charge-offs | 39.3443% | 3,964 |
| Earnings coverage of net charge-offs (x) | 1.7213% | 3,450 |
| Efficiency ratio | 56.8611% | 6,398 |
| Assets per employee ($millions) | 2.9552% | 6,230 |
| Cash dividends to net income (ytd only)* | 20.9877% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5456% | 1,396 |
| Loan loss allowance to noncurrent loans | 47.3249% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 6.0094% | 962 |
| Noncurrent loans to loans | 5.3790% | 1,221 |
| Net loans and leases to total assets | 57.7195% | 4,686 |
| Net loans and leases to deposits | 74.1268% | 3,741 |
| Net loans and leases to core deposits | 76.8352% | 4,189 |
| Total domestic deposits to total assets | 77.8659% | 6,396 |
| Equity capital to assets | 13.7697% | 1,078 |
| Core capital (leverage) ratio | 13.9859% | 853 |
| Tier 1 risk-based capital ratio | 18.5680% | 1,936 |
| Total risk-based capital ratio | 19.8280% | 1,890 |
| Memoranda: | ||
| Average total assets | $79,891,500 | 5,591 |
| Average earning assets | $65,245,500 | 5,820 |
| Average equity | $10,956,500 | 4,809 |
| Average total loans | $47,650,000 | 5,492 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9260% | 988 |
| Cost of funding earning assets | 1.7914% | 1,203 |
| Net interest margin | 4.1346% | 2,430 |
| Noninterest income to average assets | 5.9930% | 111 |
| Noninterest expense to average assets | 4.7668% | 517 |
| Loan and lease loss provision to assets | 2.3496% | 501 |
| Net operating income to assets | 2.1153% | 229 |
| Return on assets (ROA) | 2.1153% | 238 |
| Pretax return on assets | 2.1153% | 380 |
| Return on Equity (ROE) | 15.1861% | 691 |
| Retained earnings to average equity (ytd only) | 7.1959% | 1,238 |
| Net charge-offs to loans | 2.7713% | 639 |
| Credit loss provision to net charge-offs | 131.2727% | 3,016 |
| Earnings coverage of net charge-offs (x) | 2.4945% | 3,869 |
| Efficiency ratio | 51.6356% | 7,012 |
| Assets per employee ($millions) | 2.7583% | 6,595 |
| Cash dividends to net income (ytd only)* | 52.6154% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8891% | 965 |
| Loan loss allowance to noncurrent loans | 43.8131% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 8.4683% | 557 |
| Noncurrent loans to loans | 6.5942% | 894 |
| Net loans and leases to total assets | 58.3233% | 4,976 |
| Net loans and leases to deposits | 74.8008% | 4,064 |
| Net loans and leases to core deposits | 77.3519% | 4,541 |
| Total domestic deposits to total assets | 77.9715% | 6,318 |
| Equity capital to assets | 13.6589% | 1,139 |
| Core capital (leverage) ratio | 13.6211% | 950 |
| Tier 1 risk-based capital ratio | 17.6566% | 2,107 |
| Total risk-based capital ratio | 18.9195% | 2,072 |
| Memoranda: | ||
| Average total assets | $76,822,600 | 5,685 |
| Average earning assets | $60,175,200 | 5,992 |
| Average equity | $10,700,600 | 4,934 |
| Average total loans | $49,615,200 | 5,499 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7767% | 1,465 |
| Cost of funding earning assets | 1.8142% | 1,364 |
| Net interest margin | 3.9624% | 3,278 |
| Noninterest income to average assets | 5.1908% | 131 |
| Noninterest expense to average assets | 4.0913% | 943 |
| Loan and lease loss provision to assets | 1.7080% | 743 |
| Net operating income to assets | 2.4709% | 139 |
| Return on assets (ROA) | 2.4709% | 146 |
| Pretax return on assets | 2.4709% | 241 |
| Return on Equity (ROE) | 17.6492% | 509 |
| Retained earnings to average equity (ytd only) | 8.1294% | 1,381 |
| Net charge-offs to loans | 2.3169% | 766 |
| Credit loss provision to net charge-offs | 112.0829% | 3,771 |
| Earnings coverage of net charge-offs (x) | 2.7422% | 3,778 |
| Efficiency ratio | 49.4699% | 7,185 |
| Assets per employee ($millions) | 2.6782% | 6,808 |
| Cash dividends to net income (ytd only)* | 53.9391% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1758% | 1,847 |
| Loan loss allowance to noncurrent loans | 40.4644% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 8.2467% | 596 |
| Noncurrent loans to loans | 5.3770% | 1,252 |
| Net loans and leases to total assets | 61.5358% | 4,627 |
| Net loans and leases to deposits | 79.4352% | 3,555 |
| Net loans and leases to core deposits | 84.5041% | 3,875 |
| Total domestic deposits to total assets | 77.4666% | 6,377 |
| Equity capital to assets | 13.9338% | 1,186 |
| Core capital (leverage) ratio | 13.7463% | 982 |
| Tier 1 risk-based capital ratio | 16.8930% | 2,379 |
| Total risk-based capital ratio | 18.1465% | 2,339 |
| Memoranda: | ||
| Average total assets | $76,030,250 | 5,771 |
| Average earning assets | $59,086,750 | 6,094 |
| Average equity | $10,644,250 | 5,008 |
| Average total loans | $50,008,500 | 5,567 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8282% | 1,351 |
| Cost of funding earning assets | 1.8444% | 1,456 |
| Net interest margin | 3.9838% | 3,097 |
| Noninterest income to average assets | 6.1151% | 111 |
| Noninterest expense to average assets | 4.0220% | 1,012 |
| Loan and lease loss provision to assets | 1.0572% | 1,368 |
| Net operating income to assets | 4.1492% | 48 |
| Return on assets (ROA) | 4.1492% | 49 |
| Pretax return on assets | 4.1492% | 68 |
| Return on Equity (ROE) | 29.5890% | 60 |
| Retained earnings to average equity (ytd only) | 17.3075% | 146 |
| Net charge-offs to loans | 1.0041% | 1,852 |
| Credit loss provision to net charge-offs | 157.7075% | 2,501 |
| Earnings coverage of net charge-offs (x) | 7.7668% | 2,241 |
| Efficiency ratio | 43.5831% | 7,536 |
| Assets per employee ($millions) | 2.7351% | 6,721 |
| Cash dividends to net income (ytd only)* | 41.5070% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0831% | 2,000 |
| Loan loss allowance to noncurrent loans | 44.3552% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 5.1383% | 1,235 |
| Noncurrent loans to loans | 4.6965% | 1,518 |
| Net loans and leases to total assets | 67.7614% | 3,434 |
| Net loans and leases to deposits | 88.2114% | 2,139 |
| Net loans and leases to core deposits | 93.9699% | 2,716 |
| Total domestic deposits to total assets | 76.8170% | 6,543 |
| Equity capital to assets | 14.4721% | 1,019 |
| Core capital (leverage) ratio | 14.3303% | 851 |
| Tier 1 risk-based capital ratio | 16.9202% | 2,314 |
| Total risk-based capital ratio | 18.1761% | 2,263 |
| Memoranda: | ||
| Average total assets | $75,484,670 | 5,820 |
| Average earning assets | $58,988,670 | 6,143 |
| Average equity | $10,585,000 | 5,035 |
| Average total loans | $50,392,670 | 5,586 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9888% | 1,002 |
| Cost of funding earning assets | 1.9433% | 1,270 |
| Net interest margin | 4.0456% | 2,671 |
| Noninterest income to average assets | 3.7952% | 172 |
| Noninterest expense to average assets | 4.5746% | 530 |
| Loan and lease loss provision to assets | 0.4003% | 2,972 |
| Net operating income to assets | 1.9430% | 383 |
| Return on assets (ROA) | 1.9430% | 420 |
| Pretax return on assets | 1.9430% | 676 |
| Return on Equity (ROE) | 14.0867% | 1,040 |
| Retained earnings to average equity (ytd only) | 14.0867% | 500 |
| Net charge-offs to loans | 2.0208% | 847 |
| Credit loss provision to net charge-offs | 30.2419% | 4,808 |
| Earnings coverage of net charge-offs (x) | 1.7702% | 3,671 |
| Efficiency ratio | 66.1265% | 5,089 |
| Assets per employee ($millions) | 2.7314% | 6,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5932% | 3,481 |
| Loan loss allowance to noncurrent loans | 37.0983% | 5,895 |
| Noncurrent assets plus other real estate owned to assets | 5.9677% | 1,012 |
| Noncurrent loans to loans | 4.2944% | 1,772 |
| Net loans and leases to total assets | 63.4004% | 4,449 |
| Net loans and leases to deposits | 81.7687% | 3,324 |
| Net loans and leases to core deposits | 86.0464% | 3,887 |
| Total domestic deposits to total assets | 77.5363% | 6,441 |
| Equity capital to assets | 13.7606% | 1,221 |
| Core capital (leverage) ratio | 13.8837% | 984 |
| Tier 1 risk-based capital ratio | 16.5401% | 2,434 |
| Total risk-based capital ratio | 17.7646% | 2,393 |
| Memoranda: | ||
| Average total assets | $74,936,000 | 5,909 |
| Average earning assets | $57,841,000 | 6,253 |
| Average equity | $10,336,000 | 5,140 |
| Average total loans | $49,090,500 | 5,706 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1886% | 1,259 |
| Cost of funding earning assets | 2.2529% | 1,829 |
| Net interest margin | 3.9357% | 3,141 |
| Noninterest income to average assets | 3.8987% | 173 |
| Noninterest expense to average assets | 4.1762% | 1,123 |
| Loan and lease loss provision to assets | 1.3694% | 1,683 |
| Net operating income to assets | 1.4795% | 701 |
| Return on assets (ROA) | 1.4795% | 763 |
| Pretax return on assets | 1.4795% | 1,235 |
| Return on Equity (ROE) | 10.7516% | 1,488 |
| Retained earnings to average equity (ytd only) | 4.3975% | 2,172 |
| Net charge-offs to loans | 2.0838% | 1,176 |
| Credit loss provision to net charge-offs | 95.0000% | 5,814 |
| Earnings coverage of net charge-offs (x) | 1.9764% | 4,239 |
| Efficiency ratio | 59.4464% | 6,566 |
| Assets per employee ($millions) | 2.7183% | 6,819 |
| Cash dividends to net income (ytd only)* | 59.0993% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9588% | 2,114 |
| Loan loss allowance to noncurrent loans | 24.6716% | 6,820 |
| Noncurrent assets plus other real estate owned to assets | 9.6944% | 392 |
| Noncurrent loans to loans | 7.9394% | 640 |
| Net loans and leases to total assets | 65.3332% | 4,314 |
| Net loans and leases to deposits | 88.1953% | 2,528 |
| Net loans and leases to core deposits | 127.5605% | 1,414 |
| Total domestic deposits to total assets | 74.0779% | 7,002 |
| Equity capital to assets | 13.8269% | 1,215 |
| Core capital (leverage) ratio | 13.6924% | 1,044 |
| Tier 1 risk-based capital ratio | 15.9632% | 2,542 |
| Total risk-based capital ratio | 17.2161% | 2,466 |
| Memoranda: | ||
| Average total assets | $73,536,400 | 5,903 |
| Average earning assets | $58,414,000 | 6,204 |
| Average equity | $10,119,400 | 5,264 |
| Average total loans | $50,868,800 | 5,630 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3689% | 984 |
| Cost of funding earning assets | 2.2991% | 1,989 |
| Net interest margin | 4.0698% | 2,510 |
| Noninterest income to average assets | 3.6625% | 176 |
| Noninterest expense to average assets | 3.7350% | 1,737 |
| Loan and lease loss provision to assets | 1.4534% | 1,320 |
| Net operating income to assets | 1.7397% | 522 |
| Return on assets (ROA) | 1.7397% | 549 |
| Pretax return on assets | 1.7397% | 899 |
| Return on Equity (ROE) | 12.6576% | 1,190 |
| Retained earnings to average equity (ytd only) | 8.4648% | 990 |
| Net charge-offs to loans | 2.1002% | 926 |
| Credit loss provision to net charge-offs | 99.1347% | 5,159 |
| Earnings coverage of net charge-offs (x) | 2.1780% | 4,193 |
| Efficiency ratio | 53.9105% | 7,241 |
| Assets per employee ($millions) | 2.7138% | 6,819 |
| Cash dividends to net income (ytd only)* | 33.1250% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1120% | 1,579 |
| Loan loss allowance to noncurrent loans | 242.5121% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 3.3396% | 2,017 |
| Noncurrent loans to loans | 0.8709% | 5,548 |
| Net loans and leases to total assets | 63.5091% | 4,974 |
| Net loans and leases to deposits | 86.7834% | 3,169 |
| Net loans and leases to core deposits | 126.4882% | 1,697 |
| Total domestic deposits to total assets | 73.1811% | 7,065 |
| Equity capital to assets | 14.1062% | 1,273 |
| Core capital (leverage) ratio | 13.8708% | 1,124 |
| Tier 1 risk-based capital ratio | 16.6280% | 2,381 |
| Total risk-based capital ratio | 17.8822% | 2,333 |
| Memoranda: | ||
| Average total assets | $73,572,250 | 5,939 |
| Average earning assets | $59,035,750 | 6,214 |
| Average equity | $10,112,250 | 5,309 |
| Average total loans | $51,359,000 | 5,654 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2764% | 1,270 |
| Cost of funding earning assets | 2.2949% | 2,372 |
| Net interest margin | 3.9814% | 2,779 |
| Noninterest income to average assets | 3.3364% | 189 |
| Noninterest expense to average assets | 3.6323% | 1,997 |
| Loan and lease loss provision to assets | 0.8199% | 2,042 |
| Net operating income to assets | 2.1528% | 214 |
| Return on assets (ROA) | 2.1528% | 236 |
| Pretax return on assets | 2.1528% | 394 |
| Return on Equity (ROE) | 15.8005% | 722 |
| Retained earnings to average equity (ytd only) | 9.9625% | 745 |
| Net charge-offs to loans | 1.3376% | 1,386 |
| Credit loss provision to net charge-offs | 85.7955% | 5,037 |
| Earnings coverage of net charge-offs (x) | 3.1108% | 3,566 |
| Efficiency ratio | 54.9938% | 7,228 |
| Assets per employee ($millions) | 2.6604% | 6,928 |
| Cash dividends to net income (ytd only)* | 36.9483% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9133% | 1,760 |
| Loan loss allowance to noncurrent loans | 52.5137% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 4.3415% | 1,327 |
| Noncurrent loans to loans | 3.6434% | 1,908 |
| Net loans and leases to total assets | 66.1382% | 4,540 |
| Net loans and leases to deposits | 88.9216% | 3,008 |
| Net loans and leases to core deposits | 127.3740% | 1,755 |
| Total domestic deposits to total assets | 74.3781% | 6,899 |
| Equity capital to assets | 13.7305% | 1,411 |
| Core capital (leverage) ratio | 13.4486% | 1,288 |
| Tier 1 risk-based capital ratio | 16.5120% | 2,444 |
| Total risk-based capital ratio | 17.7667% | 2,387 |
| Memoranda: | ||
| Average total assets | $73,672,000 | 5,984 |
| Average earning assets | $60,481,000 | 6,204 |
| Average equity | $10,037,670 | 5,352 |
| Average total loans | $52,632,330 | 5,652 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9528% | 376 |
| Cost of funding earning assets | 2.2781% | 2,803 |
| Net interest margin | 4.6747% | 810 |
| Noninterest income to average assets | 3.8437% | 167 |
| Noninterest expense to average assets | 3.8273% | 1,421 |
| Loan and lease loss provision to assets | 1.6379% | 760 |
| Net operating income to assets | 2.2549% | 215 |
| Return on assets (ROA) | 2.2549% | 247 |
| Pretax return on assets | 2.2549% | 393 |
| Return on Equity (ROE) | 16.6155% | 736 |
| Retained earnings to average equity (ytd only) | 16.6155% | 297 |
| Net charge-offs to loans | 1.5380% | 939 |
| Credit loss provision to net charge-offs | 144.9275% | 2,847 |
| Earnings coverage of net charge-offs (x) | 3.4444% | 3,178 |
| Efficiency ratio | 49.5757% | 7,616 |
| Assets per employee ($millions) | 2.8080% | 6,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1439% | 1,157 |
| Loan loss allowance to noncurrent loans | 53.9326% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 4.2616% | 1,165 |
| Noncurrent loans to loans | 3.9752% | 1,519 |
| Net loans and leases to total assets | 66.4635% | 4,475 |
| Net loans and leases to deposits | 88.7101% | 3,154 |
| Net loans and leases to core deposits | 125.5231% | 1,951 |
| Total domestic deposits to total assets | 74.9222% | 6,725 |
| Equity capital to assets | 13.3995% | 1,573 |
| Core capital (leverage) ratio | 13.6777% | 1,268 |
| Tier 1 risk-based capital ratio | 15.6004% | 2,815 |
| Total risk-based capital ratio | 16.8569% | 2,751 |
| Memoranda: | ||
| Average total assets | $73,262,500 | 6,019 |
| Average earning assets | $60,752,500 | 6,224 |
| Average equity | $9,942,500 | 5,404 |
| Average total loans | $53,834,500 | 5,638 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6482% | 309 |
| Cost of funding earning assets | 3.1540% | 1,338 |
| Net interest margin | 4.4941% | 1,441 |
| Noninterest income to average assets | 2.8707% | 213 |
| Noninterest expense to average assets | 3.8256% | 1,708 |
| Loan and lease loss provision to assets | 0.8868% | 1,684 |
| Net operating income to assets | 2.1757% | 252 |
| Return on assets (ROA) | 2.1956% | 237 |
| Pretax return on assets | 2.1956% | 404 |
| Return on Equity (ROE) | 17.1430% | 613 |
| Retained earnings to average equity (ytd only) | 12.8712% | 171 |
| Net charge-offs to loans | 0.5097% | 2,317 |
| Credit loss provision to net charge-offs | 226.9091% | 2,091 |
| Earnings coverage of net charge-offs (x) | 7.8364% | 3,015 |
| Efficiency ratio | 55.5395% | 7,083 |
| Assets per employee ($millions) | 2.5253% | 7,162 |
| Cash dividends to net income (ytd only)* | 24.9191% | 4,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7997% | 1,634 |
| Loan loss allowance to noncurrent loans | 32.3935% | 6,560 |
| Noncurrent assets plus other real estate owned to assets | 4.8367% | 741 |
| Noncurrent loans to loans | 5.5559% | 723 |
| Net loans and leases to total assets | 78.0155% | 2,131 |
| Net loans and leases to deposits | 111.6906% | 724 |
| Net loans and leases to core deposits | 146.6777% | 988 |
| Total domestic deposits to total assets | 69.8497% | 7,291 |
| Equity capital to assets | 13.7550% | 1,516 |
| Core capital (leverage) ratio | 13.6326% | 1,351 |
| Tier 1 risk-based capital ratio | 16.3716% | 2,528 |
| Total risk-based capital ratio | 17.6258% | 2,466 |
| Memoranda: | ||
| Average total assets | $70,367,200 | 6,029 |
| Average earning assets | $62,904,000 | 6,054 |
| Average equity | $9,012,400 | 5,734 |
| Average total loans | $53,957,600 | 5,529 |