Home > United Security Bank > Performance and Condition Ratios
United Security Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6407% | 2,800 |
| Cost of funding earning assets | 1.5768% | 1,756 |
| Net interest margin | 3.0639% | 3,163 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.1461% | 3,269 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.9299% | 2,449 |
| Return on assets (ROA) | 0.9299% | 2,423 |
| Pretax return on assets | 0.9299% | 2,874 |
| Return on Equity (ROE) | 10.4500% | 2,372 |
| Retained earnings to average equity (ytd only) | 5.2396% | 2,512 |
| Net charge-offs to loans | -0.1358% | 4,526 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.1015% | 2,097 |
| Assets per employee ($millions) | 6.9494% | 2,109 |
| Cash dividends to net income (ytd only)* | 49.8753% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4876% | 1,091 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 65.0900% | 2,359 |
| Net loans and leases to deposits | 87.5806% | 1,477 |
| Net loans and leases to core deposits | 105.1046% | 1,159 |
| Total domestic deposits to total assets | 74.3200% | 4,084 |
| Equity capital to assets | 9.3489% | 2,455 |
| Core capital (leverage) ratio | 11.9978% | 1,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $86,247,600 | 3,958 |
| Average earning assets | $82,445,000 | 3,900 |
| Average equity | $7,672,400 | 3,974 |
| Average total loans | $56,695,200 | 3,747 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5500% | 2,798 |
| Cost of funding earning assets | 1.4481% | 1,740 |
| Net interest margin | 3.1019% | 3,140 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.0901% | 3,383 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.0357% | 2,261 |
| Return on assets (ROA) | 1.0357% | 2,248 |
| Pretax return on assets | 1.0357% | 2,755 |
| Return on Equity (ROE) | 11.8000% | 2,178 |
| Retained earnings to average equity (ytd only) | 4.6707% | 3,053 |
| Net charge-offs to loans | -0.1311% | 4,537 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.2662% | 2,359 |
| Assets per employee ($millions) | 6.6583% | 2,211 |
| Cash dividends to net income (ytd only)* | 60.4230% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4582% | 1,229 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 66.3600% | 2,212 |
| Net loans and leases to deposits | 82.3801% | 1,876 |
| Net loans and leases to core deposits | 97.8402% | 1,450 |
| Total domestic deposits to total assets | 80.5600% | 3,449 |
| Equity capital to assets | 7.8745% | 3,134 |
| Core capital (leverage) ratio | 11.9284% | 1,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $85,224,000 | 3,987 |
| Average earning assets | $81,668,750 | 3,931 |
| Average equity | $7,479,000 | 3,997 |
| Average total loans | $55,945,500 | 3,768 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 2,742 |
| Cost of funding earning assets | 1.2124% | 1,946 |
| Net interest margin | 3.2477% | 2,872 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.1208% | 3,293 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.1512% | 1,963 |
| Return on assets (ROA) | 1.1512% | 1,961 |
| Pretax return on assets | 1.1512% | 2,505 |
| Return on Equity (ROE) | 12.6800% | 1,971 |
| Retained earnings to average equity (ytd only) | 2.2857% | 3,651 |
| Net charge-offs to loans | -0.1958% | 4,588 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.3983% | 2,436 |
| Assets per employee ($millions) | 6.6309% | 2,187 |
| Cash dividends to net income (ytd only)* | 81.9672% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4718% | 1,271 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 64.4600% | 2,341 |
| Net loans and leases to deposits | 85.3373% | 1,557 |
| Net loans and leases to core deposits | 99.0675% | 1,288 |
| Total domestic deposits to total assets | 75.5300% | 4,082 |
| Equity capital to assets | 8.9603% | 2,541 |
| Core capital (leverage) ratio | 11.8203% | 1,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $84,779,333 | 4,005 |
| Average earning assets | $81,164,333 | 3,951 |
| Average equity | $7,700,000 | 3,983 |
| Average total loans | $55,163,333 | 3,790 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3701% | 2,631 |
| Cost of funding earning assets | 0.9247% | 2,294 |
| Net interest margin | 3.4454% | 2,515 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.1459% | 3,261 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3370% | 1,577 |
| Return on assets (ROA) | 1.3370% | 1,546 |
| Pretax return on assets | 1.3370% | 2,066 |
| Return on Equity (ROE) | 14.6200% | 1,640 |
| Retained earnings to average equity (ytd only) | -6.1915% | 4,374 |
| Net charge-offs to loans | -0.3520% | 4,637 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.6120% | 2,742 |
| Assets per employee ($millions) | 6.5571% | 2,303 |
| Cash dividends to net income (ytd only)* | 142.3488% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4454% | 1,446 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 64.7100% | 2,180 |
| Net loans and leases to deposits | 78.9780% | 1,898 |
| Net loans and leases to core deposits | 90.7689% | 1,576 |
| Total domestic deposits to total assets | 81.9400% | 3,493 |
| Equity capital to assets | 9.1575% | 2,403 |
| Core capital (leverage) ratio | 11.9297% | 1,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $84,068,000 | 4,062 |
| Average earning assets | $80,455,500 | 4,013 |
| Average equity | $7,688,000 | 4,033 |
| Average total loans | $54,548,000 | 3,839 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8991% | 1,986 |
| Cost of funding earning assets | 0.4923% | 1,447 |
| Net interest margin | 3.4068% | 2,234 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.0878% | 3,335 |
| Loan and lease loss provision to assets | 0.3100% | 263 |
| Net operating income to assets | 1.0482% | 2,382 |
| Return on assets (ROA) | 1.0482% | 2,329 |
| Pretax return on assets | 1.0482% | 2,923 |
| Return on Equity (ROE) | 10.8300% | 2,534 |
| Retained earnings to average equity (ytd only) | 6.4169% | 2,487 |
| Net charge-offs to loans | 0.1758% | 472 |
| Credit loss provision to net charge-offs | 287.3563% | 929 |
| Earnings coverage of net charge-offs (x) | 12.7471% | 2,098 |
| Efficiency ratio | 60.6738% | 2,962 |
| Assets per employee ($millions) | 6.3765% | 2,440 |
| Cash dividends to net income (ytd only)* | 40.7451% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 1,488 |
| Loan loss allowance to noncurrent loans | 321.5517% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.2799% | 1,752 |
| Noncurrent loans to loans | 0.4367% | 1,614 |
| Net loans and leases to total assets | 63.1900% | 2,310 |
| Net loans and leases to deposits | 73.5450% | 2,289 |
| Net loans and leases to core deposits | 82.6308% | 1,959 |
| Total domestic deposits to total assets | 85.9200% | 2,753 |
| Equity capital to assets | 9.1321% | 2,277 |
| Core capital (leverage) ratio | 12.3567% | 1,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $81,953,000 | 4,100 |
| Average earning assets | $78,197,200 | 4,062 |
| Average equity | $7,932,200 | 4,104 |
| Average total loans | $49,491,400 | 3,904 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8163% | 1,708 |
| Cost of funding earning assets | 0.3760% | 1,471 |
| Net interest margin | 3.4403% | 1,838 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 1.9726% | 3,552 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.3412% | 1,230 |
| Return on assets (ROA) | 1.3412% | 1,212 |
| Pretax return on assets | 1.3412% | 1,916 |
| Return on Equity (ROE) | 13.6600% | 1,521 |
| Retained earnings to average equity (ytd only) | 7.8442% | 2,062 |
| Net charge-offs to loans | 0.2470% | 271 |
| Credit loss provision to net charge-offs | 111.1111% | 1,263 |
| Earnings coverage of net charge-offs (x) | 10.2444% | 1,994 |
| Efficiency ratio | 56.7339% | 3,546 |
| Assets per employee ($millions) | 6.2325% | 2,548 |
| Cash dividends to net income (ytd only)* | 42.5791% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 2,740 |
| Loan loss allowance to noncurrent loans | 114.4788% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.6393% | 828 |
| Noncurrent loans to loans | 1.0135% | 755 |
| Net loans and leases to total assets | 62.3500% | 2,246 |
| Net loans and leases to deposits | 72.3851% | 2,173 |
| Net loans and leases to core deposits | 83.1698% | 1,706 |
| Total domestic deposits to total assets | 86.1400% | 3,033 |
| Equity capital to assets | 8.2311% | 2,729 |
| Core capital (leverage) ratio | 12.3467% | 1,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4158% | 800 |
| Memoranda: | ||
| Average total assets | $81,717,750 | 4,133 |
| Average earning assets | $78,013,750 | 4,088 |
| Average equity | $8,022,750 | 4,132 |
| Average total loans | $48,583,250 | 3,935 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6333% | 1,742 |
| Cost of funding earning assets | 0.3074% | 1,659 |
| Net interest margin | 3.3259% | 1,835 |
| Noninterest income to average assets | 0.1928% | 4,036 |
| Noninterest expense to average assets | 1.9646% | 3,536 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4228% | 851 |
| Return on assets (ROA) | 1.4228% | 837 |
| Pretax return on assets | 1.4228% | 1,378 |
| Return on Equity (ROE) | 13.7597% | 1,175 |
| Retained earnings to average equity (ytd only) | 5.4992% | 2,512 |
| Net charge-offs to loans | 0.0209% | 1,314 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 116.6000% | 750 |
| Efficiency ratio | 57.9971% | 3,560 |
| Assets per employee ($millions) | 6.1234% | 2,634 |
| Cash dividends to net income (ytd only)* | 60.0343% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 2,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 62.3863% | 2,079 |
| Net loans and leases to deposits | 72.5342% | 1,990 |
| Net loans and leases to core deposits | 83.8630% | 1,460 |
| Total domestic deposits to total assets | 86.0095% | 3,245 |
| Equity capital to assets | 9.5096% | 2,007 |
| Core capital (leverage) ratio | 12.4218% | 1,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,949,667 | 4,178 |
| Average earning assets | $78,715,333 | 4,134 |
| Average equity | $8,474,000 | 4,154 |
| Average total loans | $47,740,333 | 3,995 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4820% | 1,863 |
| Cost of funding earning assets | 0.3039% | 1,625 |
| Net interest margin | 3.1781% | 1,946 |
| Noninterest income to average assets | 0.1829% | 4,065 |
| Noninterest expense to average assets | 1.9441% | 3,566 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3089% | 984 |
| Return on assets (ROA) | 1.3089% | 973 |
| Pretax return on assets | 1.3089% | 1,478 |
| Return on Equity (ROE) | 12.1891% | 1,256 |
| Retained earnings to average equity (ytd only) | -3.4954% | 4,342 |
| Net charge-offs to loans | 0.0258% | 1,061 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 90.6667% | 708 |
| Efficiency ratio | 59.7633% | 3,509 |
| Assets per employee ($millions) | 6.2122% | 2,622 |
| Cash dividends to net income (ytd only)* | 128.6765% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 2,735 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,088 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 57.9155% | 2,310 |
| Net loans and leases to deposits | 64.5362% | 2,480 |
| Net loans and leases to core deposits | 70.6216% | 2,240 |
| Total domestic deposits to total assets | 89.7411% | 1,697 |
| Equity capital to assets | 10.1140% | 1,817 |
| Core capital (leverage) ratio | 11.4268% | 1,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,122,500 | 4,180 |
| Average earning assets | $80,299,000 | 4,137 |
| Average equity | $8,926,000 | 4,166 |
| Average total loans | $46,490,500 | 4,028 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5035% | 2,649 |
| Cost of funding earning assets | 0.4053% | 1,512 |
| Net interest margin | 3.0983% | 2,905 |
| Noninterest income to average assets | 0.1565% | 4,366 |
| Noninterest expense to average assets | 2.1654% | 3,189 |
| Loan and lease loss provision to assets | 0.0917% | 1,358 |
| Net operating income to assets | 0.8718% | 3,134 |
| Return on assets (ROA) | 0.9085% | 3,070 |
| Pretax return on assets | 0.9085% | 3,491 |
| Return on Equity (ROE) | 7.8293% | 3,271 |
| Retained earnings to average equity (ytd only) | 4.6681% | 2,939 |
| Net charge-offs to loans | 0.0585% | 1,201 |
| Credit loss provision to net charge-offs | 288.4615% | 1,089 |
| Earnings coverage of net charge-offs (x) | 30.3077% | 1,599 |
| Efficiency ratio | 69.2067% | 1,831 |
| Assets per employee ($millions) | 6.5758% | 2,265 |
| Cash dividends to net income (ytd only)* | 40.3769% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 2,466 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 52.6940% | 2,986 |
| Net loans and leases to deposits | 59.4792% | 3,128 |
| Net loans and leases to core deposits | 64.9321% | 2,906 |
| Total domestic deposits to total assets | 88.5923% | 1,738 |
| Equity capital to assets | 11.3282% | 1,585 |
| Core capital (leverage) ratio | 10.9261% | 1,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,784,400 | 4,189 |
| Average earning assets | $78,463,600 | 4,148 |
| Average equity | $9,490,000 | 4,194 |
| Average total loans | $44,458,600 | 4,099 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5358% | 2,728 |
| Cost of funding earning assets | 0.4260% | 1,515 |
| Net interest margin | 3.1098% | 3,028 |
| Noninterest income to average assets | 0.1616% | 4,391 |
| Noninterest expense to average assets | 2.1255% | 3,289 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0091% | 2,872 |
| Return on assets (ROA) | 1.0586% | 2,762 |
| Pretax return on assets | 1.0586% | 3,303 |
| Return on Equity (ROE) | 9.0661% | 3,090 |
| Retained earnings to average equity (ytd only) | 4.8296% | 3,280 |
| Net charge-offs to loans | 0.0785% | 881 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 23.5385% | 1,664 |
| Efficiency ratio | 67.8064% | 1,861 |
| Assets per employee ($millions) | 7.1248% | 1,788 |
| Cash dividends to net income (ytd only)* | 46.7290% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 3,241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 51.4088% | 3,254 |
| Net loans and leases to deposits | 58.0199% | 3,409 |
| Net loans and leases to core deposits | 62.6495% | 3,254 |
| Total domestic deposits to total assets | 88.6054% | 1,510 |
| Equity capital to assets | 11.3244% | 1,790 |
| Core capital (leverage) ratio | 11.1150% | 1,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,859,000 | 4,256 |
| Average earning assets | $77,303,250 | 4,213 |
| Average equity | $9,441,500 | 4,261 |
| Average total loans | $44,166,000 | 4,161 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5684% | 2,723 |
| Cost of funding earning assets | 0.4596% | 1,451 |
| Net interest margin | 3.1088% | 3,007 |
| Noninterest income to average assets | 0.1538% | 4,428 |
| Noninterest expense to average assets | 2.1661% | 3,196 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9557% | 3,044 |
| Return on assets (ROA) | 0.9557% | 3,130 |
| Pretax return on assets | 0.9557% | 3,535 |
| Return on Equity (ROE) | 8.0971% | 3,386 |
| Retained earnings to average equity (ytd only) | 1.6878% | 4,193 |
| Net charge-offs to loans | 0.1135% | 678 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 15.1600% | 1,645 |
| Efficiency ratio | 69.3861% | 1,716 |
| Assets per employee ($millions) | 6.4944% | 2,173 |
| Cash dividends to net income (ytd only)* | 79.1557% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1234% | 3,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2629% | 2,616 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 53.0636% | 3,246 |
| Net loans and leases to deposits | 59.8522% | 3,401 |
| Net loans and leases to core deposits | 64.6847% | 3,223 |
| Total domestic deposits to total assets | 88.6577% | 1,473 |
| Equity capital to assets | 11.2452% | 1,793 |
| Core capital (leverage) ratio | 10.8562% | 1,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,313,000 | 4,301 |
| Average earning assets | $75,719,333 | 4,265 |
| Average equity | $9,361,333 | 4,282 |
| Average total loans | $44,067,667 | 4,190 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6106% | 2,607 |
| Cost of funding earning assets | 0.4705% | 1,591 |
| Net interest margin | 3.1401% | 2,872 |
| Noninterest income to average assets | 0.1459% | 4,471 |
| Noninterest expense to average assets | 2.2617% | 2,900 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8755% | 3,193 |
| Return on assets (ROA) | 0.8755% | 3,278 |
| Pretax return on assets | 0.8755% | 3,657 |
| Return on Equity (ROE) | 7.2297% | 3,544 |
| Retained earnings to average equity (ytd only) | -5.6805% | 4,725 |
| Net charge-offs to loans | 0.2394% | 354 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 6.4615% | 1,648 |
| Efficiency ratio | 72.0930% | 1,485 |
| Assets per employee ($millions) | 6.4528% | 2,213 |
| Cash dividends to net income (ytd only)* | 178.5714% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 3,150 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2670% | 2,815 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 51.6236% | 3,482 |
| Net loans and leases to deposits | 58.1947% | 3,632 |
| Net loans and leases to core deposits | 66.6251% | 3,191 |
| Total domestic deposits to total assets | 88.7085% | 1,495 |
| Equity capital to assets | 10.8719% | 1,954 |
| Core capital (leverage) ratio | 11.6532% | 1,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,756,000 | 4,353 |
| Average earning assets | $73,118,500 | 4,312 |
| Average equity | $9,295,000 | 4,299 |
| Average total loans | $43,447,000 | 4,225 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4161% | 1,537 |
| Cost of funding earning assets | 0.6194% | 2,187 |
| Net interest margin | 3.7967% | 1,507 |
| Noninterest income to average assets | 0.2052% | 4,244 |
| Noninterest expense to average assets | 2.6355% | 2,435 |
| Loan and lease loss provision to assets | 0.0309% | 4,011 |
| Net operating income to assets | 1.1712% | 1,648 |
| Return on assets (ROA) | 1.2082% | 1,636 |
| Pretax return on assets | 1.2082% | 2,299 |
| Return on Equity (ROE) | 8.6384% | 2,538 |
| Retained earnings to average equity (ytd only) | 2.0189% | 3,815 |
| Net charge-offs to loans | 0.0093% | 2,990 |
| Credit loss provision to net charge-offs | 500.0000% | 1,248 |
| Earnings coverage of net charge-offs (x) | 194.7500% | 475 |
| Efficiency ratio | 68.6771% | 2,144 |
| Assets per employee ($millions) | 5.8022% | 2,544 |
| Cash dividends to net income (ytd only)* | 76.6284% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 2,750 |
| Loan loss allowance to noncurrent loans | 143.9353% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 1,966 |
| Noncurrent loans to loans | 0.8612% | 1,639 |
| Net loans and leases to total assets | 61.1079% | 2,715 |
| Net loans and leases to deposits | 70.7901% | 2,797 |
| Net loans and leases to core deposits | 78.9369% | 2,462 |
| Total domestic deposits to total assets | 86.3226% | 2,222 |
| Equity capital to assets | 13.6012% | 897 |
| Core capital (leverage) ratio | 13.1279% | 863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,807,600 | 4,447 |
| Average earning assets | $62,000,400 | 4,417 |
| Average equity | $9,064,200 | 4,306 |
| Average total loans | $43,128,600 | 4,251 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4892% | 1,595 |
| Cost of funding earning assets | 0.6376% | 2,390 |
| Net interest margin | 3.8516% | 1,476 |
| Noninterest income to average assets | 0.2117% | 4,209 |
| Noninterest expense to average assets | 2.5763% | 2,610 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3332% | 1,277 |
| Return on assets (ROA) | 1.3710% | 1,272 |
| Pretax return on assets | 1.3710% | 1,820 |
| Return on Equity (ROE) | 9.7289% | 2,122 |
| Retained earnings to average equity (ytd only) | 0.8033% | 4,311 |
| Net charge-offs to loans | 0.0154% | 2,573 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 127.2000% | 671 |
| Efficiency ratio | 65.8981% | 2,482 |
| Assets per employee ($millions) | 5.6514% | 2,577 |
| Cash dividends to net income (ytd only)* | 91.7431% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1799% | 2,778 |
| Loan loss allowance to noncurrent loans | 494.2308% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1534% | 3,651 |
| Noncurrent loans to loans | 0.2387% | 3,452 |
| Net loans and leases to total assets | 63.4797% | 2,824 |
| Net loans and leases to deposits | 73.6880% | 2,987 |
| Net loans and leases to core deposits | 81.6981% | 2,682 |
| Total domestic deposits to total assets | 86.1465% | 2,004 |
| Equity capital to assets | 13.6868% | 944 |
| Core capital (leverage) ratio | 13.6153% | 808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $63,603,000 | 4,476 |
| Average earning assets | $61,064,000 | 4,444 |
| Average equity | $8,962,750 | 4,329 |
| Average total loans | $43,159,250 | 4,274 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6016% | 1,646 |
| Cost of funding earning assets | 0.6698% | 2,560 |
| Net interest margin | 3.9318% | 1,492 |
| Noninterest income to average assets | 0.2122% | 4,218 |
| Noninterest expense to average assets | 2.5949% | 2,682 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3923% | 1,129 |
| Return on assets (ROA) | 1.4631% | 1,080 |
| Pretax return on assets | 1.4631% | 1,553 |
| Return on Equity (ROE) | 10.2751% | 1,896 |
| Retained earnings to average equity (ytd only) | -3.2745% | 4,676 |
| Net charge-offs to loans | 0.0186% | 2,348 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 108.2500% | 666 |
| Efficiency ratio | 65.0806% | 2,648 |
| Assets per employee ($millions) | 5.3298% | 2,800 |
| Cash dividends to net income (ytd only)* | 131.8681% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 2,529 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 66.2669% | 2,586 |
| Net loans and leases to deposits | 77.3977% | 2,719 |
| Net loans and leases to core deposits | 83.7609% | 2,629 |
| Total domestic deposits to total assets | 85.6187% | 2,153 |
| Equity capital to assets | 14.1984% | 811 |
| Core capital (leverage) ratio | 14.0828% | 730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,198,333 | 4,508 |
| Average earning assets | $59,718,667 | 4,472 |
| Average equity | $8,856,333 | 4,355 |
| Average total loans | $43,024,333 | 4,289 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6838% | 1,759 |
| Cost of funding earning assets | 0.7185% | 2,852 |
| Net interest margin | 3.9653% | 1,489 |
| Noninterest income to average assets | 0.2348% | 4,144 |
| Noninterest expense to average assets | 2.7594% | 2,549 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2916% | 1,264 |
| Return on assets (ROA) | 1.2916% | 1,359 |
| Pretax return on assets | 1.2916% | 1,892 |
| Return on Equity (ROE) | 9.0576% | 2,089 |
| Retained earnings to average equity (ytd only) | -18.3898% | 4,940 |
| Net charge-offs to loans | -0.0093% | 4,054 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1159% | 2,646 |
| Assets per employee ($millions) | 5.0947% | 2,546 |
| Cash dividends to net income (ytd only)* | 303.0303% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1877% | 2,737 |
| Loan loss allowance to noncurrent loans | 2,731.5789% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 4,464 |
| Noncurrent loans to loans | 0.0435% | 4,378 |
| Net loans and leases to total assets | 70.6294% | 2,147 |
| Net loans and leases to deposits | 84.6069% | 2,156 |
| Net loans and leases to core deposits | 90.1687% | 2,325 |
| Total domestic deposits to total assets | 83.4795% | 2,954 |
| Equity capital to assets | 13.9034% | 1,092 |
| Core capital (leverage) ratio | 13.8041% | 960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4597% | 808 |
| Memoranda: | ||
| Average total assets | $61,318,500 | 4,540 |
| Average earning assets | $59,011,500 | 4,500 |
| Average equity | $8,744,000 | 4,393 |
| Average total loans | $43,088,000 | 4,298 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6249% | 2,536 |
| Cost of funding earning assets | 0.6264% | 3,529 |
| Net interest margin | 3.9985% | 1,864 |
| Noninterest income to average assets | 0.2519% | 4,170 |
| Noninterest expense to average assets | 2.8987% | 2,300 |
| Loan and lease loss provision to assets | 0.0161% | 3,695 |
| Net operating income to assets | 1.1821% | 2,126 |
| Return on assets (ROA) | 1.2063% | 2,122 |
| Pretax return on assets | 1.2063% | 2,822 |
| Return on Equity (ROE) | 8.6595% | 2,887 |
| Retained earnings to average equity (ytd only) | 4.0225% | 2,952 |
| Net charge-offs to loans | 0.0116% | 3,276 |
| Credit loss provision to net charge-offs | 200.0000% | 1,324 |
| Earnings coverage of net charge-offs (x) | 148.4000% | 497 |
| Efficiency ratio | 70.7529% | 2,058 |
| Assets per employee ($millions) | 5.1251% | 2,426 |
| Cash dividends to net income (ytd only)* | 53.5475% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 2,324 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 68.2249% | 2,650 |
| Net loans and leases to deposits | 81.8920% | 2,572 |
| Net loans and leases to core deposits | 89.4133% | 2,474 |
| Total domestic deposits to total assets | 83.3108% | 3,099 |
| Equity capital to assets | 14.6144% | 894 |
| Core capital (leverage) ratio | 14.6135% | 774 |
| Tier 1 risk-based capital ratio | 20.4546% | 1,257 |
| Total risk-based capital ratio | 21.6509% | 1,235 |
| Memoranda: | ||
| Average total assets | $61,924,600 | 4,565 |
| Average earning assets | $59,547,600 | 4,522 |
| Average equity | $8,626,400 | 4,431 |
| Average total loans | $43,126,200 | 4,330 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6248% | 2,642 |
| Cost of funding earning assets | 0.6220% | 3,576 |
| Net interest margin | 4.0028% | 1,926 |
| Noninterest income to average assets | 0.2558% | 4,207 |
| Noninterest expense to average assets | 2.7835% | 2,608 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3176% | 1,780 |
| Return on assets (ROA) | 1.3520% | 1,703 |
| Pretax return on assets | 1.3520% | 2,487 |
| Return on Equity (ROE) | 9.8249% | 2,503 |
| Retained earnings to average equity (ytd only) | 3.5770% | 3,615 |
| Net charge-offs to loans | 0.0185% | 2,763 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 102.1638% | 741 |
| Efficiency ratio | 67.8721% | 2,442 |
| Assets per employee ($millions) | 5.1093% | 2,437 |
| Cash dividends to net income (ytd only)* | 63.5927% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1903% | 2,553 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 68.7777% | 2,658 |
| Net loans and leases to deposits | 81.8720% | 2,700 |
| Net loans and leases to core deposits | 87.2017% | 2,804 |
| Total domestic deposits to total assets | 84.0064% | 2,825 |
| Equity capital to assets | 14.4963% | 979 |
| Core capital (leverage) ratio | 14.2377% | 922 |
| Tier 1 risk-based capital ratio | 20.2717% | 1,326 |
| Total risk-based capital ratio | 21.4454% | 1,304 |
| Memoranda: | ||
| Average total assets | $62,030,500 | 4,622 |
| Average earning assets | $59,589,750 | 4,577 |
| Average equity | $8,536,000 | 4,491 |
| Average total loans | $43,288,500 | 4,381 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5656% | 2,784 |
| Cost of funding earning assets | 0.5899% | 3,705 |
| Net interest margin | 3.9757% | 2,000 |
| Noninterest income to average assets | 0.2441% | 4,294 |
| Noninterest expense to average assets | 2.6176% | 3,156 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4582% | 1,272 |
| Return on assets (ROA) | 1.4260% | 1,408 |
| Pretax return on assets | 1.4260% | 2,120 |
| Return on Equity (ROE) | 10.5480% | 2,158 |
| Retained earnings to average equity (ytd only) | 1.0453% | 4,425 |
| Net charge-offs to loans | 0.0276% | 2,303 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 75.6667% | 847 |
| Efficiency ratio | 64.2238% | 3,095 |
| Assets per employee ($millions) | 5.1743% | 2,281 |
| Cash dividends to net income (ytd only)* | 90.0901% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 2,747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 69.6301% | 2,586 |
| Net loans and leases to deposits | 83.6280% | 2,531 |
| Net loans and leases to core deposits | 90.4931% | 2,555 |
| Total domestic deposits to total assets | 83.2617% | 3,126 |
| Equity capital to assets | 13.9988% | 1,116 |
| Core capital (leverage) ratio | 13.8175% | 1,016 |
| Tier 1 risk-based capital ratio | 19.2151% | 1,506 |
| Total risk-based capital ratio | 20.3495% | 1,491 |
| Memoranda: | ||
| Average total assets | $62,270,000 | 4,650 |
| Average earning assets | $60,014,000 | 4,607 |
| Average equity | $8,418,670 | 4,528 |
| Average total loans | $43,492,330 | 4,404 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4893% | 2,910 |
| Cost of funding earning assets | 0.5305% | 3,914 |
| Net interest margin | 3.9588% | 1,994 |
| Noninterest income to average assets | 0.2117% | 4,475 |
| Noninterest expense to average assets | 2.6043% | 3,206 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4368% | 1,275 |
| Return on assets (ROA) | 1.3663% | 1,513 |
| Pretax return on assets | 1.3663% | 2,207 |
| Return on Equity (ROE) | 10.2874% | 2,248 |
| Retained earnings to average equity (ytd only) | -9.0316% | 5,070 |
| Net charge-offs to loans | 0.0092% | 2,365 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 224.0000% | 349 |
| Efficiency ratio | 64.4444% | 3,171 |
| Assets per employee ($millions) | 5.1043% | 2,395 |
| Cash dividends to net income (ytd only)* | 187.7934% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 2,615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 69.2201% | 2,595 |
| Net loans and leases to deposits | 82.9041% | 2,513 |
| Net loans and leases to core deposits | 88.4914% | 2,641 |
| Total domestic deposits to total assets | 83.4941% | 3,221 |
| Equity capital to assets | 13.5835% | 1,181 |
| Core capital (leverage) ratio | 13.5487% | 1,079 |
| Tier 1 risk-based capital ratio | 18.8641% | 1,574 |
| Total risk-based capital ratio | 20.0199% | 1,556 |
| Memoranda: | ||
| Average total assets | $62,359,500 | 4,696 |
| Average earning assets | $60,321,000 | 4,641 |
| Average equity | $8,282,000 | 4,577 |
| Average total loans | $43,368,000 | 4,448 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4823% | 2,511 |
| Cost of funding earning assets | 0.5621% | 2,974 |
| Net interest margin | 3.9202% | 2,261 |
| Noninterest income to average assets | 0.1981% | 4,717 |
| Noninterest expense to average assets | 2.7267% | 2,940 |
| Loan and lease loss provision to assets | 0.0315% | 3,553 |
| Net operating income to assets | 1.2234% | 2,071 |
| Return on assets (ROA) | 1.2093% | 2,120 |
| Pretax return on assets | 1.2093% | 2,846 |
| Return on Equity (ROE) | 9.7118% | 2,638 |
| Retained earnings to average equity (ytd only) | 5.2916% | 2,605 |
| Net charge-offs to loans | 0.0071% | 3,433 |
| Credit loss provision to net charge-offs | 666.6667% | 520 |
| Earnings coverage of net charge-offs (x) | 266.0000% | 360 |
| Efficiency ratio | 68.4834% | 2,473 |
| Assets per employee ($millions) | 4.5334% | 3,116 |
| Cash dividends to net income (ytd only)* | 45.5137% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1705% | 2,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 68.2438% | 2,850 |
| Net loans and leases to deposits | 78.5225% | 3,106 |
| Net loans and leases to core deposits | 88.2228% | 2,737 |
| Total domestic deposits to total assets | 86.9099% | 1,817 |
| Equity capital to assets | 12.9892% | 1,354 |
| Core capital (leverage) ratio | 13.3759% | 1,118 |
| Tier 1 risk-based capital ratio | 20.4075% | 1,243 |
| Total risk-based capital ratio | 21.6328% | 1,223 |
| Memoranda: | ||
| Average total assets | $63,592,800 | 4,692 |
| Average earning assets | $61,374,400 | 4,643 |
| Average equity | $7,918,200 | 4,624 |
| Average total loans | $42,540,000 | 4,484 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4241% | 2,554 |
| Cost of funding earning assets | 0.5563% | 2,821 |
| Net interest margin | 3.8678% | 2,411 |
| Noninterest income to average assets | 0.2012% | 4,765 |
| Noninterest expense to average assets | 2.5419% | 3,470 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3894% | 1,529 |
| Return on assets (ROA) | 1.3705% | 1,591 |
| Pretax return on assets | 1.3705% | 2,341 |
| Return on Equity (ROE) | 11.1268% | 2,132 |
| Retained earnings to average equity (ytd only) | 5.1720% | 3,136 |
| Net charge-offs to loans | -0.0032% | 4,144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6588% | 3,078 |
| Assets per employee ($millions) | 4.6388% | 2,932 |
| Cash dividends to net income (ytd only)* | 53.5173% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 3,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 67.8287% | 2,974 |
| Net loans and leases to deposits | 78.9922% | 3,141 |
| Net loans and leases to core deposits | 89.9641% | 2,664 |
| Total domestic deposits to total assets | 85.8676% | 2,252 |
| Equity capital to assets | 12.2092% | 1,767 |
| Core capital (leverage) ratio | 13.1010% | 1,236 |
| Tier 1 risk-based capital ratio | 19.6673% | 1,404 |
| Total risk-based capital ratio | 20.8268% | 1,389 |
| Memoranda: | ||
| Average total assets | $63,624,000 | 4,742 |
| Average earning assets | $61,360,000 | 4,690 |
| Average equity | $7,836,750 | 4,678 |
| Average total loans | $42,218,500 | 4,537 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3775% | 2,493 |
| Cost of funding earning assets | 0.5501% | 2,606 |
| Net interest margin | 3.8275% | 2,471 |
| Noninterest income to average assets | 0.1646% | 5,005 |
| Noninterest expense to average assets | 2.5196% | 3,579 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3453% | 1,618 |
| Return on assets (ROA) | 1.3168% | 1,708 |
| Pretax return on assets | 1.3168% | 2,443 |
| Return on Equity (ROE) | 10.6585% | 2,251 |
| Retained earnings to average equity (ytd only) | 1.6910% | 4,570 |
| Net charge-offs to loans | -0.0048% | 4,096 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1925% | 3,123 |
| Assets per employee ($millions) | 4.5722% | 3,009 |
| Cash dividends to net income (ytd only)* | 84.1346% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1567% | 2,948 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 66.3495% | 3,089 |
| Net loans and leases to deposits | 75.7315% | 3,364 |
| Net loans and leases to core deposits | 88.0064% | 2,717 |
| Total domestic deposits to total assets | 87.6115% | 1,585 |
| Equity capital to assets | 12.2026% | 1,721 |
| Core capital (leverage) ratio | 12.7853% | 1,319 |
| Tier 1 risk-based capital ratio | 19.6389% | 1,394 |
| Total risk-based capital ratio | 20.8305% | 1,372 |
| Memoranda: | ||
| Average total assets | $63,184,330 | 4,799 |
| Average earning assets | $61,085,000 | 4,749 |
| Average equity | $7,806,000 | 4,729 |
| Average total loans | $41,442,330 | 4,600 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3182% | 2,456 |
| Cost of funding earning assets | 0.5406% | 2,474 |
| Net interest margin | 3.7776% | 2,513 |
| Noninterest income to average assets | 0.1912% | 4,878 |
| Noninterest expense to average assets | 2.5936% | 3,351 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2490% | 1,811 |
| Return on assets (ROA) | 1.2235% | 1,922 |
| Pretax return on assets | 1.2235% | 2,665 |
| Return on Equity (ROE) | 9.8417% | 2,514 |
| Retained earnings to average equity (ytd only) | -8.0989% | 5,311 |
| Net charge-offs to loans | -0.0098% | 4,241 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4959% | 2,918 |
| Assets per employee ($millions) | 4.5887% | 3,014 |
| Cash dividends to net income (ytd only)* | 182.2917% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 2,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 63.2281% | 3,406 |
| Net loans and leases to deposits | 71.8526% | 3,622 |
| Net loans and leases to core deposits | 83.8214% | 2,997 |
| Total domestic deposits to total assets | 87.9969% | 1,624 |
| Equity capital to assets | 11.8614% | 1,873 |
| Core capital (leverage) ratio | 12.8196% | 1,244 |
| Tier 1 risk-based capital ratio | 20.1431% | 1,319 |
| Total risk-based capital ratio | 21.3921% | 1,289 |
| Memoranda: | ||
| Average total assets | $62,771,000 | 4,876 |
| Average earning assets | $60,673,000 | 4,810 |
| Average equity | $7,803,500 | 4,780 |
| Average total loans | $40,679,500 | 4,671 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4468% | 1,890 |
| Cost of funding earning assets | 0.4850% | 2,459 |
| Net interest margin | 3.9618% | 1,877 |
| Noninterest income to average assets | 0.2796% | 4,459 |
| Noninterest expense to average assets | 2.7825% | 2,841 |
| Loan and lease loss provision to assets | 0.1496% | 1,511 |
| Net operating income to assets | 1.1627% | 1,639 |
| Return on assets (ROA) | 1.2087% | 1,521 |
| Pretax return on assets | 1.2087% | 2,740 |
| Return on Equity (ROE) | 9.1056% | 2,263 |
| Retained earnings to average equity (ytd only) | -20.0074% | 5,620 |
| Net charge-offs to loans | 0.1714% | 1,440 |
| Credit loss provision to net charge-offs | 131.8841% | 2,002 |
| Earnings coverage of net charge-offs (x) | 11.5652% | 2,560 |
| Efficiency ratio | 67.9518% | 2,908 |
| Assets per employee ($millions) | 4.3786% | 3,367 |
| Cash dividends to net income (ytd only)* | 319.7279% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 2,586 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 64.8401% | 3,252 |
| Net loans and leases to deposits | 74.6465% | 3,459 |
| Net loans and leases to core deposits | 87.9611% | 2,726 |
| Total domestic deposits to total assets | 86.8630% | 2,061 |
| Equity capital to assets | 13.0294% | 1,253 |
| Core capital (leverage) ratio | 13.1914% | 1,077 |
| Tier 1 risk-based capital ratio | 21.1456% | 1,126 |
| Total risk-based capital ratio | 22.3949% | 1,100 |
| Memoranda: | ||
| Average total assets | $60,808,600 | 4,945 |
| Average earning assets | $58,559,600 | 4,892 |
| Average equity | $8,072,000 | 4,778 |
| Average total loans | $40,262,200 | 4,726 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4176% | 1,914 |
| Cost of funding earning assets | 0.4655% | 2,569 |
| Net interest margin | 3.9521% | 1,854 |
| Noninterest income to average assets | 0.2856% | 4,484 |
| Noninterest expense to average assets | 2.6672% | 3,176 |
| Loan and lease loss provision to assets | 0.0330% | 3,466 |
| Net operating income to assets | 1.3907% | 1,108 |
| Return on assets (ROA) | 1.4259% | 1,061 |
| Pretax return on assets | 1.4259% | 2,036 |
| Return on Equity (ROE) | 10.6917% | 1,827 |
| Retained earnings to average equity (ytd only) | -28.0226% | 5,702 |
| Net charge-offs to loans | 0.2285% | 947 |
| Credit loss provision to net charge-offs | 21.7391% | 3,143 |
| Earnings coverage of net charge-offs (x) | 9.3911% | 2,697 |
| Efficiency ratio | 65.1987% | 3,344 |
| Assets per employee ($millions) | 4.3566% | 3,379 |
| Cash dividends to net income (ytd only)* | 362.0968% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 3,790 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 3,043 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 64.8774% | 3,268 |
| Net loans and leases to deposits | 74.9148% | 3,481 |
| Net loans and leases to core deposits | 88.8754% | 2,700 |
| Total domestic deposits to total assets | 86.6015% | 2,046 |
| Equity capital to assets | 13.2493% | 1,276 |
| Core capital (leverage) ratio | 12.7881% | 1,297 |
| Tier 1 risk-based capital ratio | 20.7876% | 1,234 |
| Total risk-based capital ratio | 21.8737% | 1,228 |
| Memoranda: | ||
| Average total assets | $60,685,750 | 5,002 |
| Average earning assets | $58,432,000 | 4,949 |
| Average equity | $8,093,250 | 4,828 |
| Average total loans | $40,267,000 | 4,772 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4002% | 1,811 |
| Cost of funding earning assets | 0.4010% | 3,066 |
| Net interest margin | 3.9993% | 1,609 |
| Noninterest income to average assets | 0.3004% | 4,387 |
| Noninterest expense to average assets | 2.6575% | 3,240 |
| Loan and lease loss provision to assets | 0.0198% | 3,580 |
| Net operating income to assets | 1.4756% | 907 |
| Return on assets (ROA) | 1.5120% | 868 |
| Pretax return on assets | 1.5120% | 1,595 |
| Return on Equity (ROE) | 11.3124% | 1,526 |
| Retained earnings to average equity (ytd only) | -46.7315% | 5,762 |
| Net charge-offs to loans | 0.3419% | 590 |
| Credit loss provision to net charge-offs | 8.6957% | 2,863 |
| Earnings coverage of net charge-offs (x) | 6.5652% | 2,691 |
| Efficiency ratio | 63.9905% | 3,675 |
| Assets per employee ($millions) | 4.5041% | 3,098 |
| Cash dividends to net income (ytd only)* | 513.1004% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 4,166 |
| Loan loss allowance to noncurrent loans | 133.0097% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.4900% | 3,127 |
| Noncurrent loans to loans | 0.7495% | 2,522 |
| Net loans and leases to total assets | 64.7293% | 3,285 |
| Net loans and leases to deposits | 75.5744% | 3,390 |
| Net loans and leases to core deposits | 85.5254% | 2,932 |
| Total domestic deposits to total assets | 85.6497% | 2,549 |
| Equity capital to assets | 11.0501% | 2,750 |
| Core capital (leverage) ratio | 11.5656% | 1,927 |
| Tier 1 risk-based capital ratio | 17.7847% | 1,931 |
| Total risk-based capital ratio | 18.8521% | 1,929 |
| Memoranda: | ||
| Average total assets | $60,583,670 | 5,046 |
| Average earning assets | $58,360,330 | 4,989 |
| Average equity | $8,097,330 | 4,843 |
| Average total loans | $40,359,330 | 4,796 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4340% | 1,545 |
| Cost of funding earning assets | 0.4050% | 2,945 |
| Net interest margin | 4.0290% | 1,393 |
| Noninterest income to average assets | 0.2561% | 4,703 |
| Noninterest expense to average assets | 2.7095% | 3,107 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4356% | 926 |
| Return on assets (ROA) | 1.5030% | 831 |
| Pretax return on assets | 1.5030% | 1,523 |
| Return on Equity (ROE) | 10.2979% | 1,827 |
| Retained earnings to average equity (ytd only) | -5.8647% | 5,437 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3659% | 3,603 |
| Assets per employee ($millions) | 4.2446% | 3,597 |
| Cash dividends to net income (ytd only)* | 156.9507% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 3,312 |
| Loan loss allowance to noncurrent loans | 151.9231% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 3,135 |
| Noncurrent loans to loans | 0.7698% | 2,548 |
| Net loans and leases to total assets | 67.4093% | 2,760 |
| Net loans and leases to deposits | 78.9382% | 2,869 |
| Net loans and leases to core deposits | 82.5139% | 3,037 |
| Total domestic deposits to total assets | 85.3950% | 2,925 |
| Equity capital to assets | 14.4989% | 757 |
| Core capital (leverage) ratio | 14.6353% | 680 |
| Tier 1 risk-based capital ratio | 22.4794% | 1,035 |
| Total risk-based capital ratio | 23.7166% | 1,018 |
| Memoranda: | ||
| Average total assets | $59,346,500 | 5,125 |
| Average earning assets | $57,284,000 | 5,065 |
| Average equity | $8,662,000 | 4,780 |
| Average total loans | $39,925,000 | 4,853 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4415% | 1,705 |
| Cost of funding earning assets | 0.3863% | 3,142 |
| Net interest margin | 4.0552% | 1,481 |
| Noninterest income to average assets | 0.3142% | 4,489 |
| Noninterest expense to average assets | 2.9042% | 2,657 |
| Loan and lease loss provision to assets | 0.0436% | 3,507 |
| Net operating income to assets | 1.2688% | 1,304 |
| Return on assets (ROA) | 1.2811% | 1,331 |
| Pretax return on assets | 1.2811% | 2,350 |
| Return on Equity (ROE) | 8.5214% | 2,660 |
| Retained earnings to average equity (ytd only) | 4.7483% | 2,512 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8742% | 3,094 |
| Assets per employee ($millions) | 4.2334% | 3,559 |
| Cash dividends to net income (ytd only)* | 44.2779% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2056% | 3,093 |
| Loan loss allowance to noncurrent loans | 153.8961% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.5197% | 3,181 |
| Noncurrent loans to loans | 0.7834% | 2,559 |
| Net loans and leases to total assets | 65.5396% | 3,145 |
| Net loans and leases to deposits | 76.9097% | 3,211 |
| Net loans and leases to core deposits | 79.5641% | 3,433 |
| Total domestic deposits to total assets | 85.2163% | 2,951 |
| Equity capital to assets | 14.6926% | 691 |
| Core capital (leverage) ratio | 14.6389% | 663 |
| Tier 1 risk-based capital ratio | 23.9020% | 875 |
| Total risk-based capital ratio | 25.1518% | 856 |
| Memoranda: | ||
| Average total assets | $57,296,000 | 5,207 |
| Average earning assets | $55,138,800 | 5,142 |
| Average equity | $8,613,600 | 4,821 |
| Average total loans | $38,492,000 | 4,929 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5056% | 1,520 |
| Cost of funding earning assets | 0.3881% | 3,143 |
| Net interest margin | 4.1175% | 1,349 |
| Noninterest income to average assets | 0.3380% | 4,361 |
| Noninterest expense to average assets | 2.7510% | 3,174 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.5468% | 803 |
| Return on assets (ROA) | 1.5633% | 819 |
| Pretax return on assets | 1.5633% | 1,487 |
| Return on Equity (ROE) | 10.3374% | 1,917 |
| Retained earnings to average equity (ytd only) | 5.2929% | 2,637 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0087% | 3,931 |
| Assets per employee ($millions) | 4.2531% | 3,502 |
| Cash dividends to net income (ytd only)* | 48.7984% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 3,512 |
| Loan loss allowance to noncurrent loans | 146.2541% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.5156% | 3,394 |
| Noncurrent loans to loans | 0.7902% | 2,701 |
| Net loans and leases to total assets | 64.4946% | 3,333 |
| Net loans and leases to deposits | 75.8588% | 3,412 |
| Net loans and leases to core deposits | 78.9856% | 3,554 |
| Total domestic deposits to total assets | 85.0192% | 2,796 |
| Equity capital to assets | 14.8565% | 771 |
| Core capital (leverage) ratio | 14.9685% | 643 |
| Tier 1 risk-based capital ratio | 23.9076% | 913 |
| Total risk-based capital ratio | 25.1454% | 894 |
| Memoranda: | ||
| Average total assets | $56,803,000 | 5,257 |
| Average earning assets | $54,626,750 | 5,197 |
| Average equity | $8,590,000 | 4,868 |
| Average total loans | $38,285,500 | 4,983 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5219% | 1,458 |
| Cost of funding earning assets | 0.3837% | 3,226 |
| Net interest margin | 4.1383% | 1,265 |
| Noninterest income to average assets | 0.3543% | 4,239 |
| Noninterest expense to average assets | 2.8019% | 3,022 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5280% | 847 |
| Return on assets (ROA) | 1.5531% | 842 |
| Pretax return on assets | 1.5531% | 1,510 |
| Return on Equity (ROE) | 10.2062% | 1,964 |
| Retained earnings to average equity (ytd only) | 2.5633% | 4,259 |
| Net charge-offs to loans | 0.0525% | 2,450 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 42.7000% | 1,111 |
| Efficiency ratio | 64.7107% | 3,898 |
| Assets per employee ($millions) | 4.0485% | 3,818 |
| Cash dividends to net income (ytd only)* | 74.8848% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1391% | 3,725 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 67.2224% | 2,909 |
| Net loans and leases to deposits | 79.4698% | 3,003 |
| Net loans and leases to core deposits | 82.8247% | 3,192 |
| Total domestic deposits to total assets | 84.5886% | 3,054 |
| Equity capital to assets | 15.2596% | 681 |
| Core capital (leverage) ratio | 15.0510% | 600 |
| Tier 1 risk-based capital ratio | 23.6077% | 946 |
| Total risk-based capital ratio | 24.8357% | 928 |
| Memoranda: | ||
| Average total assets | $55,889,670 | 5,336 |
| Average earning assets | $53,693,670 | 5,274 |
| Average equity | $8,504,670 | 4,919 |
| Average total loans | $38,097,000 | 5,037 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5045% | 1,493 |
| Cost of funding earning assets | 0.3735% | 3,361 |
| Net interest margin | 4.1310% | 1,258 |
| Noninterest income to average assets | 0.3027% | 4,562 |
| Noninterest expense to average assets | 2.7750% | 3,167 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5136% | 832 |
| Return on assets (ROA) | 1.5641% | 792 |
| Pretax return on assets | 1.5641% | 1,393 |
| Return on Equity (ROE) | 10.2935% | 1,854 |
| Retained earnings to average equity (ytd only) | -5.1230% | 5,615 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7059% | 4,017 |
| Assets per employee ($millions) | 3.9893% | 3,964 |
| Cash dividends to net income (ytd only)* | 149.7696% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 3,630 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 67.5774% | 2,719 |
| Net loans and leases to deposits | 79.6530% | 2,843 |
| Net loans and leases to core deposits | 82.8584% | 3,055 |
| Total domestic deposits to total assets | 84.8397% | 3,188 |
| Equity capital to assets | 15.0421% | 684 |
| Core capital (leverage) ratio | 14.8272% | 638 |
| Tier 1 risk-based capital ratio | 23.4434% | 971 |
| Total risk-based capital ratio | 24.6921% | 964 |
| Memoranda: | ||
| Average total assets | $55,495,000 | 5,391 |
| Average earning assets | $53,546,500 | 5,327 |
| Average equity | $8,432,500 | 4,967 |
| Average total loans | $37,875,500 | 5,080 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5014% | 1,593 |
| Cost of funding earning assets | 0.3837% | 3,335 |
| Net interest margin | 4.1177% | 1,369 |
| Noninterest income to average assets | 0.2965% | 4,762 |
| Noninterest expense to average assets | 2.9064% | 2,840 |
| Loan and lease loss provision to assets | 0.0364% | 3,619 |
| Net operating income to assets | 1.2768% | 1,330 |
| Return on assets (ROA) | 1.2768% | 1,375 |
| Pretax return on assets | 1.2768% | 2,373 |
| Return on Equity (ROE) | 8.5560% | 2,691 |
| Retained earnings to average equity (ytd only) | 4.5949% | 2,713 |
| Net charge-offs to loans | 0.0027% | 4,373 |
| Credit loss provision to net charge-offs | 2,000.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 722.0000% | 87 |
| Efficiency ratio | 68.8793% | 3,426 |
| Assets per employee ($millions) | 3.6760% | 4,515 |
| Cash dividends to net income (ytd only)* | 46.2963% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1954% | 3,516 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 67.3032% | 2,821 |
| Net loans and leases to deposits | 79.6288% | 2,867 |
| Net loans and leases to core deposits | 82.8870% | 3,061 |
| Total domestic deposits to total assets | 84.5212% | 3,276 |
| Equity capital to assets | 15.3500% | 622 |
| Core capital (leverage) ratio | 15.0463% | 605 |
| Tier 1 risk-based capital ratio | 24.1850% | 907 |
| Total risk-based capital ratio | 25.4333% | 887 |
| Memoranda: | ||
| Average total assets | $54,981,600 | 5,433 |
| Average earning assets | $52,383,600 | 5,376 |
| Average equity | $8,204,800 | 5,024 |
| Average total loans | $36,397,800 | 5,140 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4934% | 1,610 |
| Cost of funding earning assets | 0.3883% | 3,347 |
| Net interest margin | 4.1051% | 1,399 |
| Noninterest income to average assets | 0.2961% | 4,821 |
| Noninterest expense to average assets | 2.7616% | 3,338 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4342% | 1,038 |
| Return on assets (ROA) | 1.4342% | 1,086 |
| Pretax return on assets | 1.4342% | 1,889 |
| Return on Equity (ROE) | 9.6803% | 2,231 |
| Retained earnings to average equity (ytd only) | 4.3570% | 3,370 |
| Net charge-offs to loans | 0.0037% | 4,052 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 592.4662% | 125 |
| Efficiency ratio | 65.8184% | 3,921 |
| Assets per employee ($millions) | 3.7003% | 4,447 |
| Cash dividends to net income (ytd only)* | 54.9912% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 3,882 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 65.9322% | 3,024 |
| Net loans and leases to deposits | 77.7971% | 3,116 |
| Net loans and leases to core deposits | 80.9463% | 3,346 |
| Total domestic deposits to total assets | 84.7488% | 3,110 |
| Equity capital to assets | 15.0818% | 723 |
| Core capital (leverage) ratio | 14.9612% | 643 |
| Tier 1 risk-based capital ratio | 23.7045% | 977 |
| Total risk-based capital ratio | 24.9416% | 966 |
| Memoranda: | ||
| Average total assets | $54,942,000 | 5,509 |
| Average earning assets | $52,193,750 | 5,452 |
| Average equity | $8,140,000 | 5,098 |
| Average total loans | $36,107,250 | 5,210 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4587% | 1,664 |
| Cost of funding earning assets | 0.3931% | 3,341 |
| Net interest margin | 4.0656% | 1,459 |
| Noninterest income to average assets | 0.2739% | 4,991 |
| Noninterest expense to average assets | 2.7797% | 3,316 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3478% | 1,197 |
| Return on assets (ROA) | 1.3478% | 1,240 |
| Pretax return on assets | 1.3478% | 2,187 |
| Return on Equity (ROE) | 9.1529% | 2,454 |
| Retained earnings to average equity (ytd only) | 1.0914% | 5,136 |
| Net charge-offs to loans | -0.0056% | 4,768 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3451% | 3,783 |
| Assets per employee ($millions) | 3.8926% | 4,088 |
| Cash dividends to net income (ytd only)* | 88.0759% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1744% | 3,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 66.5523% | 2,858 |
| Net loans and leases to deposits | 78.3314% | 2,987 |
| Net loans and leases to core deposits | 82.0120% | 3,172 |
| Total domestic deposits to total assets | 84.9625% | 3,141 |
| Equity capital to assets | 14.8760% | 723 |
| Core capital (leverage) ratio | 14.6304% | 680 |
| Tier 1 risk-based capital ratio | 24.8370% | 878 |
| Total risk-based capital ratio | 26.0884% | 867 |
| Memoranda: | ||
| Average total assets | $54,754,670 | 5,568 |
| Average earning assets | $51,898,330 | 5,520 |
| Average equity | $8,063,000 | 5,149 |
| Average total loans | $35,801,670 | 5,264 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4065% | 1,743 |
| Cost of funding earning assets | 0.4013% | 3,294 |
| Net interest margin | 4.0052% | 1,534 |
| Noninterest income to average assets | 0.2405% | 5,251 |
| Noninterest expense to average assets | 2.8059% | 3,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2171% | 1,498 |
| Return on assets (ROA) | 1.2171% | 1,592 |
| Pretax return on assets | 1.2171% | 2,601 |
| Return on Equity (ROE) | 8.3074% | 2,805 |
| Retained earnings to average equity (ytd only) | -7.8597% | 6,071 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7464% | 3,533 |
| Assets per employee ($millions) | 3.4508% | 4,984 |
| Cash dividends to net income (ytd only)* | 194.6108% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 3,830 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 62.9591% | 3,241 |
| Net loans and leases to deposits | 80.5623% | 2,495 |
| Net loans and leases to core deposits | 82.5246% | 2,904 |
| Total domestic deposits to total assets | 78.1497% | 5,416 |
| Equity capital to assets | 14.4805% | 839 |
| Core capital (leverage) ratio | 14.2794% | 743 |
| Tier 1 risk-based capital ratio | 21.6513% | 1,293 |
| Total risk-based capital ratio | 22.8456% | 1,276 |
| Memoranda: | ||
| Average total assets | $54,883,500 | 5,619 |
| Average earning assets | $51,832,000 | 5,568 |
| Average equity | $8,041,000 | 5,202 |
| Average total loans | $35,352,500 | 5,320 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6074% | 1,537 |
| Cost of funding earning assets | 0.3790% | 3,922 |
| Net interest margin | 4.2284% | 1,221 |
| Noninterest income to average assets | 0.3069% | 4,918 |
| Noninterest expense to average assets | 3.0165% | 2,795 |
| Loan and lease loss provision to assets | 0.0565% | 3,419 |
| Net operating income to assets | 1.2465% | 1,448 |
| Return on assets (ROA) | 1.2654% | 1,441 |
| Pretax return on assets | 1.2654% | 2,367 |
| Return on Equity (ROE) | 8.6464% | 2,764 |
| Retained earnings to average equity (ytd only) | 4.4647% | 2,999 |
| Net charge-offs to loans | 0.0345% | 4,143 |
| Credit loss provision to net charge-offs | 250.0000% | 1,016 |
| Earnings coverage of net charge-offs (x) | 57.6667% | 816 |
| Efficiency ratio | 69.8344% | 3,557 |
| Assets per employee ($millions) | 3.6370% | 4,651 |
| Cash dividends to net income (ytd only)* | 48.3631% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 3,932 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 64.3094% | 3,179 |
| Net loans and leases to deposits | 75.5958% | 3,246 |
| Net loans and leases to core deposits | 79.1321% | 3,394 |
| Total domestic deposits to total assets | 85.0701% | 3,259 |
| Equity capital to assets | 14.8236% | 733 |
| Core capital (leverage) ratio | 15.0118% | 611 |
| Tier 1 risk-based capital ratio | 24.4754% | 896 |
| Total risk-based capital ratio | 25.7277% | 876 |
| Memoranda: | ||
| Average total assets | $53,107,400 | 5,717 |
| Average earning assets | $50,397,600 | 5,665 |
| Average equity | $7,772,000 | 5,254 |
| Average total loans | $34,786,200 | 5,370 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6122% | 1,532 |
| Cost of funding earning assets | 0.3879% | 3,927 |
| Net interest margin | 4.2243% | 1,210 |
| Noninterest income to average assets | 0.3160% | 4,913 |
| Noninterest expense to average assets | 2.8084% | 3,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5268% | 884 |
| Return on assets (ROA) | 1.5420% | 891 |
| Pretax return on assets | 1.5420% | 1,505 |
| Return on Equity (ROE) | 10.5717% | 1,958 |
| Retained earnings to average equity (ytd only) | 4.9393% | 3,119 |
| Net charge-offs to loans | 0.0462% | 3,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 50.3319% | 976 |
| Efficiency ratio | 64.7813% | 4,416 |
| Assets per employee ($millions) | 3.5692% | 4,738 |
| Cash dividends to net income (ytd only)* | 53.2786% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 4,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 65.8878% | 2,886 |
| Net loans and leases to deposits | 79.3321% | 2,796 |
| Net loans and leases to core deposits | 84.8283% | 2,797 |
| Total domestic deposits to total assets | 83.0532% | 4,125 |
| Equity capital to assets | 14.9315% | 747 |
| Core capital (leverage) ratio | 14.5983% | 701 |
| Tier 1 risk-based capital ratio | 24.2935% | 953 |
| Total risk-based capital ratio | 25.5279% | 936 |
| Memoranda: | ||
| Average total assets | $52,745,500 | 5,789 |
| Average earning assets | $50,184,250 | 5,733 |
| Average equity | $7,693,250 | 5,314 |
| Average total loans | $34,604,250 | 5,428 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5921% | 1,554 |
| Cost of funding earning assets | 0.3807% | 4,100 |
| Net interest margin | 4.2114% | 1,215 |
| Noninterest income to average assets | 0.3087% | 4,944 |
| Noninterest expense to average assets | 2.7896% | 3,546 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5244% | 831 |
| Return on assets (ROA) | 1.5472% | 832 |
| Pretax return on assets | 1.5472% | 1,401 |
| Return on Equity (ROE) | 10.6941% | 1,847 |
| Retained earnings to average equity (ytd only) | 2.1335% | 4,828 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6643% | 4,587 |
| Assets per employee ($millions) | 3.4943% | 4,860 |
| Cash dividends to net income (ytd only)* | 80.0493% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 4,510 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 65.7331% | 2,796 |
| Net loans and leases to deposits | 77.3291% | 2,885 |
| Net loans and leases to core deposits | 83.1660% | 2,829 |
| Total domestic deposits to total assets | 85.0043% | 3,506 |
| Equity capital to assets | 14.8602% | 735 |
| Core capital (leverage) ratio | 14.4978% | 704 |
| Tier 1 risk-based capital ratio | 24.0084% | 987 |
| Total risk-based capital ratio | 25.2577% | 966 |
| Memoranda: | ||
| Average total assets | $52,481,330 | 5,847 |
| Average earning assets | $49,911,670 | 5,792 |
| Average equity | $7,593,000 | 5,371 |
| Average total loans | $34,247,000 | 5,477 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5744% | 1,572 |
| Cost of funding earning assets | 0.3932% | 4,050 |
| Net interest margin | 4.1811% | 1,268 |
| Noninterest income to average assets | 0.2971% | 4,981 |
| Noninterest expense to average assets | 2.7878% | 3,615 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4777% | 850 |
| Return on assets (ROA) | 1.5234% | 811 |
| Pretax return on assets | 1.5234% | 1,360 |
| Return on Equity (ROE) | 10.6738% | 1,795 |
| Retained earnings to average equity (ytd only) | -6.6711% | 6,222 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3571% | 4,633 |
| Assets per employee ($millions) | 3.5207% | 4,880 |
| Cash dividends to net income (ytd only)* | 162.5000% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 4,574 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 63.4603% | 2,989 |
| Net loans and leases to deposits | 74.1132% | 3,047 |
| Net loans and leases to core deposits | 78.6861% | 3,124 |
| Total domestic deposits to total assets | 85.6261% | 3,545 |
| Equity capital to assets | 14.2754% | 841 |
| Core capital (leverage) ratio | 14.3711% | 721 |
| Tier 1 risk-based capital ratio | 23.5438% | 1,071 |
| Total risk-based capital ratio | 24.7931% | 1,050 |
| Memoranda: | ||
| Average total assets | $52,514,500 | 5,900 |
| Average earning assets | $49,843,000 | 5,845 |
| Average equity | $7,495,000 | 5,421 |
| Average total loans | $33,937,500 | 5,544 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5984% | 1,886 |
| Cost of funding earning assets | 0.4568% | 4,051 |
| Net interest margin | 4.1416% | 1,535 |
| Noninterest income to average assets | 0.3472% | 4,839 |
| Noninterest expense to average assets | 3.0823% | 2,791 |
| Loan and lease loss provision to assets | 0.0388% | 4,342 |
| Net operating income to assets | 1.1833% | 1,634 |
| Return on assets (ROA) | 1.2182% | 1,569 |
| Pretax return on assets | 1.2182% | 2,508 |
| Return on Equity (ROE) | 8.4361% | 2,804 |
| Retained earnings to average equity (ytd only) | 8.4361% | 925 |
| Net charge-offs to loans | 0.0249% | 4,925 |
| Credit loss provision to net charge-offs | 250.0000% | 904 |
| Earnings coverage of net charge-offs (x) | 78.7500% | 556 |
| Efficiency ratio | 71.6088% | 3,552 |
| Assets per employee ($millions) | 3.4812% | 4,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 4,587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 64.2250% | 3,005 |
| Net loans and leases to deposits | 74.9950% | 3,100 |
| Net loans and leases to core deposits | 80.1419% | 3,115 |
| Total domestic deposits to total assets | 85.6391% | 3,435 |
| Equity capital to assets | 14.2690% | 837 |
| Core capital (leverage) ratio | 14.7109% | 642 |
| Tier 1 risk-based capital ratio | 23.3537% | 1,045 |
| Total risk-based capital ratio | 24.6032% | 1,019 |
| Memoranda: | ||
| Average total assets | $51,551,600 | 5,975 |
| Average earning assets | $49,256,600 | 5,915 |
| Average equity | $7,444,200 | 5,469 |
| Average total loans | $32,158,000 | 5,660 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5536% | 2,029 |
| Cost of funding earning assets | 0.4684% | 4,078 |
| Net interest margin | 4.0852% | 1,674 |
| Noninterest income to average assets | 0.3555% | 4,850 |
| Noninterest expense to average assets | 2.9606% | 3,106 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3103% | 1,324 |
| Return on assets (ROA) | 1.3570% | 1,257 |
| Pretax return on assets | 1.3570% | 2,086 |
| Return on Equity (ROE) | 9.3694% | 2,453 |
| Retained earnings to average equity (ytd only) | 9.3694% | 942 |
| Net charge-offs to loans | 0.0336% | 4,455 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 63.1040% | 729 |
| Efficiency ratio | 69.3196% | 3,867 |
| Assets per employee ($millions) | 3.1881% | 5,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 4,854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 63.1673% | 3,136 |
| Net loans and leases to deposits | 73.7407% | 3,276 |
| Net loans and leases to core deposits | 78.4443% | 3,306 |
| Total domestic deposits to total assets | 85.6614% | 3,420 |
| Equity capital to assets | 14.2387% | 897 |
| Core capital (leverage) ratio | 14.5123% | 730 |
| Tier 1 risk-based capital ratio | 23.7458% | 1,040 |
| Total risk-based capital ratio | 24.9865% | 1,022 |
| Memoranda: | ||
| Average total assets | $51,385,000 | 6,049 |
| Average earning assets | $49,249,250 | 5,979 |
| Average equity | $7,442,500 | 5,528 |
| Average total loans | $31,710,250 | 5,739 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4911% | 2,230 |
| Cost of funding earning assets | 0.4832% | 4,053 |
| Net interest margin | 4.0079% | 1,831 |
| Noninterest income to average assets | 0.3261% | 5,087 |
| Noninterest expense to average assets | 2.9237% | 3,261 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2347% | 1,504 |
| Return on assets (ROA) | 1.2347% | 1,601 |
| Pretax return on assets | 1.2347% | 2,542 |
| Return on Equity (ROE) | 8.4774% | 2,858 |
| Retained earnings to average equity (ytd only) | 8.4774% | 1,300 |
| Net charge-offs to loans | 0.0509% | 3,958 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 39.7500% | 930 |
| Efficiency ratio | 70.3081% | 3,764 |
| Assets per employee ($millions) | 3.2835% | 5,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 4,928 |
| Loan loss allowance to noncurrent loans | 2,800.0000% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 6,455 |
| Noncurrent loans to loans | 0.0432% | 6,264 |
| Net loans and leases to total assets | 60.8954% | 3,503 |
| Net loans and leases to deposits | 71.0144% | 3,583 |
| Net loans and leases to core deposits | 74.9596% | 3,676 |
| Total domestic deposits to total assets | 85.7507% | 3,503 |
| Equity capital to assets | 14.1408% | 924 |
| Core capital (leverage) ratio | 14.2294% | 769 |
| Tier 1 risk-based capital ratio | 23.2935% | 1,090 |
| Total risk-based capital ratio | 24.5450% | 1,072 |
| Memoranda: | ||
| Average total assets | $51,510,330 | 6,084 |
| Average earning assets | $49,253,330 | 6,018 |
| Average equity | $7,502,330 | 5,562 |
| Average total loans | $31,409,330 | 5,783 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4889% | 2,207 |
| Cost of funding earning assets | 0.5015% | 4,076 |
| Net interest margin | 3.9874% | 1,839 |
| Noninterest income to average assets | 0.3137% | 5,182 |
| Noninterest expense to average assets | 2.8629% | 3,494 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2550% | 1,390 |
| Return on assets (ROA) | 1.2550% | 1,489 |
| Pretax return on assets | 1.2550% | 2,396 |
| Return on Equity (ROE) | 8.4892% | 2,723 |
| Retained earnings to average equity (ytd only) | 8.4892% | 1,566 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5238% | 4,052 |
| Assets per employee ($millions) | 3.2678% | 5,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 4,756 |
| Loan loss allowance to noncurrent loans | 370.3704% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 5,948 |
| Noncurrent loans to loans | 0.3484% | 5,525 |
| Net loans and leases to total assets | 58.5169% | 3,699 |
| Net loans and leases to deposits | 68.5925% | 3,693 |
| Net loans and leases to core deposits | 71.5070% | 3,881 |
| Total domestic deposits to total assets | 85.3110% | 3,892 |
| Equity capital to assets | 14.6029% | 848 |
| Core capital (leverage) ratio | 14.0115% | 795 |
| Tier 1 risk-based capital ratio | 23.4140% | 1,090 |
| Total risk-based capital ratio | 24.6638% | 1,078 |
| Memoranda: | ||
| Average total assets | $50,997,500 | 6,156 |
| Average earning assets | $48,653,000 | 6,081 |
| Average equity | $7,539,000 | 5,617 |
| Average total loans | $30,922,000 | 5,848 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8682% | 1,957 |
| Cost of funding earning assets | 0.6066% | 4,274 |
| Net interest margin | 4.2616% | 1,488 |
| Noninterest income to average assets | 0.3289% | 5,103 |
| Noninterest expense to average assets | 3.2131% | 2,566 |
| Loan and lease loss provision to assets | 0.1409% | 3,846 |
| Net operating income to assets | 1.0213% | 2,248 |
| Return on assets (ROA) | 1.2910% | 1,481 |
| Pretax return on assets | 1.2910% | 2,446 |
| Return on Equity (ROE) | 8.4753% | 2,881 |
| Retained earnings to average equity (ytd only) | 1.7701% | 4,967 |
| Net charge-offs to loans | 0.1699% | 4,017 |
| Credit loss provision to net charge-offs | 135.2941% | 2,061 |
| Earnings coverage of net charge-offs (x) | 11.1569% | 2,065 |
| Efficiency ratio | 73.4360% | 3,165 |
| Assets per employee ($millions) | 3.1069% | 5,829 |
| Cash dividends to net income (ytd only)* | 79.1139% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 4,648 |
| Loan loss allowance to noncurrent loans | 380.9524% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2112% | 6,033 |
| Noncurrent loans to loans | 0.3404% | 5,634 |
| Net loans and leases to total assets | 61.2520% | 3,378 |
| Net loans and leases to deposits | 72.1335% | 3,391 |
| Net loans and leases to core deposits | 74.8188% | 3,679 |
| Total domestic deposits to total assets | 84.9148% | 3,897 |
| Equity capital to assets | 14.9725% | 741 |
| Core capital (leverage) ratio | 13.7905% | 862 |
| Tier 1 risk-based capital ratio | 23.5068% | 1,037 |
| Total risk-based capital ratio | 24.7566% | 1,014 |
| Memoranda: | ||
| Average total assets | $48,955,200 | 6,240 |
| Average earning assets | $46,485,200 | 6,160 |
| Average equity | $7,457,000 | 5,653 |
| Average total loans | $30,013,800 | 5,947 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9466% | 1,842 |
| Cost of funding earning assets | 0.6226% | 4,427 |
| Net interest margin | 4.3239% | 1,413 |
| Noninterest income to average assets | 0.3308% | 5,158 |
| Noninterest expense to average assets | 3.0293% | 3,131 |
| Loan and lease loss provision to assets | 0.0492% | 5,151 |
| Net operating income to assets | 1.3534% | 1,324 |
| Return on assets (ROA) | 1.4491% | 1,254 |
| Pretax return on assets | 1.4491% | 2,083 |
| Return on Equity (ROE) | 9.4719% | 2,605 |
| Retained earnings to average equity (ytd only) | 5.0040% | 3,359 |
| Net charge-offs to loans | 0.1476% | 3,926 |
| Credit loss provision to net charge-offs | 54.5455% | 4,288 |
| Earnings coverage of net charge-offs (x) | 15.5450% | 1,750 |
| Efficiency ratio | 68.3529% | 3,991 |
| Assets per employee ($millions) | 3.3523% | 5,319 |
| Cash dividends to net income (ytd only)* | 47.1705% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2609% | 5,003 |
| Loan loss allowance to noncurrent loans | 265.9420% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 5,804 |
| Noncurrent loans to loans | 0.4741% | 5,502 |
| Net loans and leases to total assets | 57.1522% | 4,270 |
| Net loans and leases to deposits | 67.6387% | 4,238 |
| Net loans and leases to core deposits | 70.9377% | 4,383 |
| Total domestic deposits to total assets | 84.4964% | 3,980 |
| Equity capital to assets | 15.3863% | 731 |
| Core capital (leverage) ratio | 14.4541% | 718 |
| Tier 1 risk-based capital ratio | 24.9457% | 912 |
| Total risk-based capital ratio | 26.1955% | 901 |
| Memoranda: | ||
| Average total assets | $48,766,250 | 6,320 |
| Average earning assets | $46,253,000 | 6,241 |
| Average equity | $7,460,500 | 5,706 |
| Average total loans | $29,805,000 | 6,033 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0435% | 1,680 |
| Cost of funding earning assets | 0.6386% | 4,544 |
| Net interest margin | 4.4049% | 1,191 |
| Noninterest income to average assets | 0.3150% | 5,303 |
| Noninterest expense to average assets | 3.0750% | 2,997 |
| Loan and lease loss provision to assets | 0.0497% | 5,052 |
| Net operating income to assets | 1.3925% | 1,204 |
| Return on assets (ROA) | 1.3925% | 1,348 |
| Pretax return on assets | 1.3925% | 2,226 |
| Return on Equity (ROE) | 9.1201% | 2,757 |
| Retained earnings to average equity (ytd only) | 2.3343% | 5,020 |
| Net charge-offs to loans | 0.2197% | 3,251 |
| Credit loss provision to net charge-offs | 36.3636% | 4,330 |
| Earnings coverage of net charge-offs (x) | 10.5455% | 2,038 |
| Efficiency ratio | 68.0734% | 4,108 |
| Assets per employee ($millions) | 3.2597% | 5,538 |
| Cash dividends to net income (ytd only)* | 74.4048% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 5,110 |
| Loan loss allowance to noncurrent loans | 265.4412% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.3600% | 5,881 |
| Noncurrent loans to loans | 0.4720% | 5,591 |
| Net loans and leases to total assets | 58.1920% | 4,126 |
| Net loans and leases to deposits | 68.8918% | 4,060 |
| Net loans and leases to core deposits | 73.3495% | 4,119 |
| Total domestic deposits to total assets | 84.4688% | 4,112 |
| Equity capital to assets | 15.4003% | 698 |
| Core capital (leverage) ratio | 14.3549% | 723 |
| Tier 1 risk-based capital ratio | 24.2761% | 982 |
| Total risk-based capital ratio | 25.5261% | 965 |
| Memoranda: | ||
| Average total assets | $48,260,000 | 6,372 |
| Average earning assets | $46,039,330 | 6,289 |
| Average equity | $7,368,330 | 5,752 |
| Average total loans | $30,038,000 | 6,062 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1510% | 1,426 |
| Cost of funding earning assets | 0.6635% | 4,602 |
| Net interest margin | 4.4875% | 1,035 |
| Noninterest income to average assets | 0.3004% | 5,476 |
| Noninterest expense to average assets | 3.0286% | 3,159 |
| Loan and lease loss provision to assets | 0.0501% | 4,786 |
| Net operating income to assets | 1.5101% | 1,003 |
| Return on assets (ROA) | 1.5101% | 1,122 |
| Pretax return on assets | 1.5101% | 1,846 |
| Return on Equity (ROE) | 9.9348% | 2,426 |
| Retained earnings to average equity (ytd only) | -3.7873% | 6,472 |
| Net charge-offs to loans | 0.3132% | 2,396 |
| Credit loss provision to net charge-offs | 25.0000% | 3,709 |
| Earnings coverage of net charge-offs (x) | 7.7917% | 2,040 |
| Efficiency ratio | 66.0000% | 4,554 |
| Assets per employee ($millions) | 3.2312% | 5,701 |
| Cash dividends to net income (ytd only)* | 138.1215% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 5,520 |
| Loan loss allowance to noncurrent loans | 313.7931% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 6,288 |
| Noncurrent loans to loans | 0.3801% | 5,912 |
| Net loans and leases to total assets | 62.2101% | 3,218 |
| Net loans and leases to deposits | 73.3607% | 3,224 |
| Net loans and leases to core deposits | 76.6368% | 3,535 |
| Total domestic deposits to total assets | 84.8003% | 4,123 |
| Equity capital to assets | 15.0862% | 732 |
| Core capital (leverage) ratio | 14.0836% | 783 |
| Tier 1 risk-based capital ratio | 22.9421% | 1,141 |
| Total risk-based capital ratio | 24.1741% | 1,130 |
| Memoranda: | ||
| Average total assets | $47,942,500 | 6,434 |
| Average earning assets | $45,816,500 | 6,333 |
| Average equity | $7,287,500 | 5,793 |
| Average total loans | $30,650,000 | 6,079 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3092% | 1,673 |
| Cost of funding earning assets | 0.7546% | 5,176 |
| Net interest margin | 4.5545% | 1,018 |
| Noninterest income to average assets | 0.4243% | 4,413 |
| Noninterest expense to average assets | 3.3411% | 2,387 |
| Loan and lease loss provision to assets | 0.1252% | 5,041 |
| Net operating income to assets | 1.3110% | 1,213 |
| Return on assets (ROA) | 1.3152% | 1,307 |
| Pretax return on assets | 1.3152% | 2,070 |
| Return on Equity (ROE) | 9.2259% | 2,354 |
| Retained earnings to average equity (ytd only) | 6.2498% | 1,879 |
| Net charge-offs to loans | 0.0303% | 6,023 |
| Credit loss provision to net charge-offs | 655.5556% | 342 |
| Earnings coverage of net charge-offs (x) | 75.2222% | 400 |
| Efficiency ratio | 69.9378% | 3,973 |
| Assets per employee ($millions) | 3.1611% | 5,789 |
| Cash dividends to net income (ytd only)* | 32.2581% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 5,224 |
| Loan loss allowance to noncurrent loans | 402.1053% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.2004% | 6,458 |
| Noncurrent loans to loans | 0.3086% | 6,111 |
| Net loans and leases to total assets | 64.1162% | 3,168 |
| Net loans and leases to deposits | 75.8400% | 3,200 |
| Net loans and leases to core deposits | 79.3123% | 3,532 |
| Total domestic deposits to total assets | 84.5414% | 4,070 |
| Equity capital to assets | 15.3173% | 716 |
| Core capital (leverage) ratio | 14.4879% | 714 |
| Tier 1 risk-based capital ratio | 23.3256% | 1,063 |
| Total risk-based capital ratio | 24.5759% | 1,040 |
| Memoranda: | ||
| Average total assets | $47,140,200 | 6,453 |
| Average earning assets | $45,054,000 | 6,355 |
| Average equity | $6,720,200 | 5,948 |
| Average total loans | $29,736,800 | 6,171 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3453% | 1,699 |
| Cost of funding earning assets | 0.7827% | 5,262 |
| Net interest margin | 4.5626% | 1,017 |
| Noninterest income to average assets | 0.4419% | 4,352 |
| Noninterest expense to average assets | 3.2064% | 2,811 |
| Loan and lease loss provision to assets | 0.0510% | 5,809 |
| Net operating income to assets | 1.5437% | 863 |
| Return on assets (ROA) | 1.5494% | 926 |
| Pretax return on assets | 1.5494% | 1,519 |
| Return on Equity (ROE) | 11.0763% | 1,844 |
| Retained earnings to average equity (ytd only) | 7.0265% | 1,955 |
| Net charge-offs to loans | 0.0679% | 5,282 |
| Credit loss provision to net charge-offs | 120.0000% | 2,704 |
| Earnings coverage of net charge-offs (x) | 37.5325% | 803 |
| Efficiency ratio | 66.7847% | 4,567 |
| Assets per employee ($millions) | 3.1419% | 5,809 |
| Cash dividends to net income (ytd only)* | 36.5628% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 5,870 |
| Loan loss allowance to noncurrent loans | 429.4872% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.2016% | 6,559 |
| Noncurrent loans to loans | 0.2572% | 6,361 |
| Net loans and leases to total assets | 63.6395% | 3,387 |
| Net loans and leases to deposits | 75.2471% | 3,467 |
| Net loans and leases to core deposits | 77.1836% | 4,019 |
| Total domestic deposits to total assets | 84.5739% | 3,979 |
| Equity capital to assets | 15.2754% | 777 |
| Core capital (leverage) ratio | 14.3038% | 818 |
| Tier 1 risk-based capital ratio | 23.5208% | 1,068 |
| Total risk-based capital ratio | 24.6840% | 1,067 |
| Memoranda: | ||
| Average total assets | $47,071,000 | 6,509 |
| Average earning assets | $44,973,000 | 6,421 |
| Average equity | $6,584,500 | 6,031 |
| Average total loans | $29,475,000 | 6,244 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2396% | 2,098 |
| Cost of funding earning assets | 0.7948% | 5,407 |
| Net interest margin | 4.4447% | 1,257 |
| Noninterest income to average assets | 0.4548% | 4,250 |
| Noninterest expense to average assets | 3.2177% | 2,837 |
| Loan and lease loss provision to assets | 0.0510% | 5,675 |
| Net operating income to assets | 1.4410% | 997 |
| Return on assets (ROA) | 1.4495% | 1,039 |
| Pretax return on assets | 1.4495% | 1,665 |
| Return on Equity (ROE) | 10.6902% | 1,902 |
| Retained earnings to average equity (ytd only) | 4.4203% | 3,381 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3213% | 4,459 |
| Assets per employee ($millions) | 3.1444% | 5,766 |
| Cash dividends to net income (ytd only)* | 58.6510% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 5,627 |
| Loan loss allowance to noncurrent loans | 304.4248% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.2396% | 6,530 |
| Noncurrent loans to loans | 0.3884% | 6,126 |
| Net loans and leases to total assets | 60.9613% | 4,092 |
| Net loans and leases to deposits | 71.2466% | 4,246 |
| Net loans and leases to core deposits | 71.9599% | 4,826 |
| Total domestic deposits to total assets | 85.5638% | 3,588 |
| Equity capital to assets | 14.2539% | 1,013 |
| Core capital (leverage) ratio | 13.9891% | 872 |
| Tier 1 risk-based capital ratio | 23.8498% | 1,020 |
| Total risk-based capital ratio | 25.0990% | 1,009 |
| Memoranda: | ||
| Average total assets | $47,052,000 | 6,564 |
| Average earning assets | $45,042,000 | 6,473 |
| Average equity | $6,379,670 | 6,118 |
| Average total loans | $29,191,000 | 6,320 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2588% | 2,010 |
| Cost of funding earning assets | 0.8289% | 5,400 |
| Net interest margin | 4.4298% | 1,219 |
| Noninterest income to average assets | 0.3830% | 4,851 |
| Noninterest expense to average assets | 3.2259% | 2,795 |
| Loan and lease loss provision to assets | 0.0511% | 5,361 |
| Net operating income to assets | 1.3363% | 1,182 |
| Return on assets (ROA) | 1.3363% | 1,231 |
| Pretax return on assets | 1.3363% | 1,921 |
| Return on Equity (ROE) | 10.1160% | 2,055 |
| Retained earnings to average equity (ytd only) | -2.7706% | 6,258 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9262% | 4,290 |
| Assets per employee ($millions) | 3.1654% | 5,808 |
| Cash dividends to net income (ytd only)* | 127.3885% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 5,820 |
| Loan loss allowance to noncurrent loans | 603.5714% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 6,871 |
| Noncurrent loans to loans | 0.1915% | 6,586 |
| Net loans and leases to total assets | 60.8770% | 4,100 |
| Net loans and leases to deposits | 70.2242% | 4,313 |
| Net loans and leases to core deposits | 71.5346% | 4,852 |
| Total domestic deposits to total assets | 86.6894% | 3,124 |
| Equity capital to assets | 13.1948% | 1,302 |
| Core capital (leverage) ratio | 13.5912% | 941 |
| Tier 1 risk-based capital ratio | 22.9272% | 1,092 |
| Total risk-based capital ratio | 24.1409% | 1,083 |
| Memoranda: | ||
| Average total assets | $46,995,000 | 6,615 |
| Average earning assets | $44,877,500 | 6,527 |
| Average equity | $6,208,000 | 6,179 |
| Average total loans | $29,238,000 | 6,366 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8766% | 1,089 |
| Cost of funding earning assets | 1.0522% | 5,421 |
| Net interest margin | 4.8244% | 640 |
| Noninterest income to average assets | 0.5008% | 4,160 |
| Noninterest expense to average assets | 3.4015% | 2,437 |
| Loan and lease loss provision to assets | 0.1450% | 5,733 |
| Net operating income to assets | 1.4639% | 833 |
| Return on assets (ROA) | 1.4730% | 874 |
| Pretax return on assets | 1.4730% | 1,443 |
| Return on Equity (ROE) | 10.2592% | 1,832 |
| Retained earnings to average equity (ytd only) | 4.8928% | 2,483 |
| Net charge-offs to loans | -0.0034% | 7,247 |
| Credit loss provision to net charge-offs | -6,400.0000% | 7,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8878% | 4,587 |
| Assets per employee ($millions) | 3.1006% | 5,879 |
| Cash dividends to net income (ytd only)* | 52.3077% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 5,803 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 62.1407% | 4,257 |
| Net loans and leases to deposits | 71.7574% | 4,561 |
| Net loans and leases to core deposits | 73.1227% | 5,083 |
| Total domestic deposits to total assets | 86.5983% | 3,032 |
| Equity capital to assets | 13.2254% | 1,287 |
| Core capital (leverage) ratio | 12.9202% | 1,153 |
| Tier 1 risk-based capital ratio | 22.6918% | 1,079 |
| Total risk-based capital ratio | 23.8640% | 1,073 |
| Memoranda: | ||
| Average total assets | $44,127,200 | 6,726 |
| Average earning assets | $41,248,400 | 6,667 |
| Average equity | $6,335,800 | 6,258 |
| Average total loans | $29,595,400 | 6,416 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7680% | 1,488 |
| Cost of funding earning assets | 1.0910% | 5,479 |
| Net interest margin | 4.6770% | 887 |
| Noninterest income to average assets | 0.5482% | 3,805 |
| Noninterest expense to average assets | 3.2558% | 2,723 |
| Loan and lease loss provision to assets | 0.0551% | 6,518 |
| Net operating income to assets | 1.5835% | 767 |
| Return on assets (ROA) | 1.5896% | 830 |
| Pretax return on assets | 1.5896% | 1,368 |
| Return on Equity (ROE) | 10.8427% | 1,840 |
| Retained earnings to average equity (ytd only) | 5.8287% | 2,462 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5207% | 4,746 |
| Assets per employee ($millions) | 3.2455% | 5,583 |
| Cash dividends to net income (ytd only)* | 46.2427% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 6,563 |
| Loan loss allowance to noncurrent loans | 44.6708% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 1.3105% | 4,530 |
| Noncurrent loans to loans | 2.1304% | 3,541 |
| Net loans and leases to total assets | 60.9322% | 4,729 |
| Net loans and leases to deposits | 70.6329% | 5,063 |
| Net loans and leases to core deposits | 71.0576% | 5,634 |
| Total domestic deposits to total assets | 86.2660% | 2,937 |
| Equity capital to assets | 13.5738% | 1,322 |
| Core capital (leverage) ratio | 13.7383% | 986 |
| Tier 1 risk-based capital ratio | 22.4823% | 1,132 |
| Total risk-based capital ratio | 23.4841% | 1,142 |
| Memoranda: | ||
| Average total assets | $43,531,750 | 6,836 |
| Average earning assets | $40,452,250 | 6,782 |
| Average equity | $6,382,000 | 6,325 |
| Average total loans | $29,686,000 | 6,503 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8587% | 1,284 |
| Cost of funding earning assets | 1.1310% | 5,514 |
| Net interest margin | 4.7277% | 775 |
| Noninterest income to average assets | 0.5548% | 3,664 |
| Noninterest expense to average assets | 3.3576% | 2,379 |
| Loan and lease loss provision to assets | 0.0574% | 6,381 |
| Net operating income to assets | 1.5784% | 765 |
| Return on assets (ROA) | 1.5879% | 797 |
| Pretax return on assets | 1.5879% | 1,330 |
| Return on Equity (ROE) | 10.5285% | 1,917 |
| Retained earnings to average equity (ytd only) | 2.9175% | 4,276 |
| Net charge-offs to loans | -0.0068% | 7,148 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2414% | 4,719 |
| Assets per employee ($millions) | 2.8767% | 6,405 |
| Cash dividends to net income (ytd only)* | 72.2892% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 6,692 |
| Loan loss allowance to noncurrent loans | 43.9560% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 1.4762% | 4,247 |
| Noncurrent loans to loans | 2.0920% | 3,599 |
| Net loans and leases to total assets | 69.9189% | 2,921 |
| Net loans and leases to deposits | 82.1288% | 3,252 |
| Net loans and leases to core deposits | 82.1288% | 4,399 |
| Total domestic deposits to total assets | 85.1333% | 3,556 |
| Equity capital to assets | 14.6813% | 953 |
| Core capital (leverage) ratio | 14.5261% | 812 |
| Tier 1 risk-based capital ratio | 23.0549% | 1,066 |
| Total risk-based capital ratio | 24.0948% | 1,066 |
| Memoranda: | ||
| Average total assets | $41,815,000 | 6,938 |
| Average earning assets | $39,257,670 | 6,877 |
| Average equity | $6,306,670 | 6,371 |
| Average total loans | $29,598,670 | 6,551 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9884% | 1,004 |
| Cost of funding earning assets | 1.1564% | 5,623 |
| Net interest margin | 4.8320% | 599 |
| Noninterest income to average assets | 0.6027% | 3,264 |
| Noninterest expense to average assets | 3.5385% | 1,891 |
| Loan and lease loss provision to assets | 0.0583% | 6,065 |
| Net operating income to assets | 1.5554% | 811 |
| Return on assets (ROA) | 1.5748% | 841 |
| Pretax return on assets | 1.5748% | 1,328 |
| Return on Equity (ROE) | 10.2980% | 2,009 |
| Retained earnings to average equity (ytd only) | 10.2980% | 1,084 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6792% | 4,580 |
| Assets per employee ($millions) | 2.8020% | 6,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9216% | 6,770 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 69.8287% | 2,979 |
| Net loans and leases to deposits | 82.5082% | 3,195 |
| Net loans and leases to core deposits | 84.2225% | 4,171 |
| Total domestic deposits to total assets | 84.6324% | 3,841 |
| Equity capital to assets | 15.2225% | 832 |
| Core capital (leverage) ratio | 15.1866% | 712 |
| Tier 1 risk-based capital ratio | 24.0168% | 966 |
| Total risk-based capital ratio | 25.0612% | 963 |
| Memoranda: | ||
| Average total assets | $41,147,500 | 7,052 |
| Average earning assets | $38,741,500 | 6,987 |
| Average equity | $6,292,500 | 6,421 |
| Average total loans | $29,173,000 | 6,648 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4168% | 800 |
| Cost of funding earning assets | 1.5141% | 5,460 |
| Net interest margin | 4.9028% | 552 |
| Noninterest income to average assets | 0.7147% | 2,872 |
| Noninterest expense to average assets | 3.7904% | 1,716 |
| Loan and lease loss provision to assets | 0.1135% | 6,508 |
| Net operating income to assets | 1.4062% | 841 |
| Return on assets (ROA) | 1.4114% | 885 |
| Pretax return on assets | 1.4114% | 1,402 |
| Return on Equity (ROE) | 8.9855% | 2,030 |
| Retained earnings to average equity (ytd only) | 3.4004% | 2,788 |
| Net charge-offs to loans | 0.0346% | 6,782 |
| Credit loss provision to net charge-offs | 440.0000% | 711 |
| Earnings coverage of net charge-offs (x) | 58.9000% | 454 |
| Efficiency ratio | 71.3800% | 4,375 |
| Assets per employee ($millions) | 2.6843% | 6,882 |
| Cash dividends to net income (ytd only)* | 62.1572% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9295% | 6,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 70.6743% | 3,081 |
| Net loans and leases to deposits | 83.7389% | 3,325 |
| Net loans and leases to core deposits | 94.5415% | 4,621 |
| Total domestic deposits to total assets | 84.3984% | 3,844 |
| Equity capital to assets | 15.3657% | 829 |
| Core capital (leverage) ratio | 15.1719% | 747 |
| Tier 1 risk-based capital ratio | 24.3472% | 917 |
| Total risk-based capital ratio | 25.4100% | 910 |
| Memoranda: | ||
| Average total assets | $38,756,000 | 7,143 |
| Average earning assets | $36,326,400 | 7,086 |
| Average equity | $6,087,600 | 6,576 |
| Average total loans | $28,921,600 | 6,694 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4876% | 769 |
| Cost of funding earning assets | 1.5764% | 5,510 |
| Net interest margin | 4.9111% | 540 |
| Noninterest income to average assets | 0.7018% | 3,005 |
| Noninterest expense to average assets | 3.7346% | 1,738 |
| Loan and lease loss provision to assets | 0.0625% | 6,737 |
| Net operating income to assets | 1.5043% | 804 |
| Return on assets (ROA) | 1.5112% | 849 |
| Pretax return on assets | 1.5112% | 1,383 |
| Return on Equity (ROE) | 9.5665% | 2,076 |
| Retained earnings to average equity (ytd only) | 4.2883% | 2,877 |
| Net charge-offs to loans | 0.0460% | 6,265 |
| Credit loss provision to net charge-offs | 180.0000% | 2,544 |
| Earnings coverage of net charge-offs (x) | 45.1103% | 690 |
| Efficiency ratio | 70.4456% | 4,499 |
| Assets per employee ($millions) | 2.7331% | 6,776 |
| Cash dividends to net income (ytd only)* | 55.1716% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8337% | 7,011 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 69.9239% | 3,535 |
| Net loans and leases to deposits | 82.7899% | 3,869 |
| Net loans and leases to core deposits | 91.6286% | 5,266 |
| Total domestic deposits to total assets | 84.4595% | 3,499 |
| Equity capital to assets | 15.1405% | 964 |
| Core capital (leverage) ratio | 15.3321% | 798 |
| Tier 1 risk-based capital ratio | 24.7627% | 922 |
| Total risk-based capital ratio | 25.7404% | 928 |
| Memoranda: | ||
| Average total assets | $38,378,750 | 7,219 |
| Average earning assets | $35,944,750 | 7,162 |
| Average equity | $6,062,750 | 6,641 |
| Average total loans | $28,971,000 | 6,744 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6034% | 657 |
| Cost of funding earning assets | 1.5984% | 5,752 |
| Net interest margin | 5.0050% | 426 |
| Noninterest income to average assets | 0.6826% | 3,097 |
| Noninterest expense to average assets | 3.8980% | 1,491 |
| Loan and lease loss provision to assets | 0.0640% | 6,570 |
| Net operating income to assets | 1.4291% | 960 |
| Return on assets (ROA) | 1.4398% | 1,011 |
| Pretax return on assets | 1.4398% | 1,625 |
| Return on Equity (ROE) | 8.9780% | 2,366 |
| Retained earnings to average equity (ytd only) | 4.3228% | 2,895 |
| Net charge-offs to loans | 0.0759% | 5,449 |
| Credit loss provision to net charge-offs | 109.0909% | 4,239 |
| Earnings coverage of net charge-offs (x) | 25.4545% | 1,119 |
| Efficiency ratio | 72.3046% | 4,346 |
| Assets per employee ($millions) | 2.5631% | 7,125 |
| Cash dividends to net income (ytd only)* | 51.8519% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7981% | 7,161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 75.6522% | 2,267 |
| Net loans and leases to deposits | 90.2255% | 2,800 |
| Net loans and leases to core deposits | 99.9450% | 4,517 |
| Total domestic deposits to total assets | 83.8479% | 3,845 |
| Equity capital to assets | 15.7984% | 865 |
| Core capital (leverage) ratio | 16.1342% | 728 |
| Tier 1 risk-based capital ratio | 24.6510% | 971 |
| Total risk-based capital ratio | 25.6061% | 979 |
| Memoranda: | ||
| Average total assets | $37,506,330 | 7,312 |
| Average earning assets | $35,285,000 | 7,249 |
| Average equity | $6,014,670 | 6,712 |
| Average total loans | $28,992,330 | 6,789 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6438% | 645 |
| Cost of funding earning assets | 1.6324% | 5,896 |
| Net interest margin | 5.0114% | 393 |
| Noninterest income to average assets | 0.6588% | 3,145 |
| Noninterest expense to average assets | 3.8665% | 1,356 |
| Loan and lease loss provision to assets | 0.0648% | 6,139 |
| Net operating income to assets | 1.4688% | 1,000 |
| Return on assets (ROA) | 1.4688% | 1,074 |
| Pretax return on assets | 1.4688% | 1,758 |
| Return on Equity (ROE) | 9.0894% | 2,670 |
| Retained earnings to average equity (ytd only) | -0.2673% | 5,708 |
| Net charge-offs to loans | 0.0555% | 4,693 |
| Credit loss provision to net charge-offs | 150.0000% | 2,773 |
| Earnings coverage of net charge-offs (x) | 35.5000% | 935 |
| Efficiency ratio | 71.6000% | 4,250 |
| Assets per employee ($millions) | 2.5052% | 7,268 |
| Cash dividends to net income (ytd only)* | 102.9412% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8148% | 7,104 |
| Loan loss allowance to noncurrent loans | 247.3684% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 6,755 |
| Noncurrent loans to loans | 0.3294% | 6,606 |
| Net loans and leases to total assets | 76.1297% | 2,243 |
| Net loans and leases to deposits | 91.0184% | 2,773 |
| Net loans and leases to core deposits | 99.0856% | 4,632 |
| Total domestic deposits to total assets | 83.6420% | 3,864 |
| Equity capital to assets | 15.9269% | 883 |
| Core capital (leverage) ratio | 16.1106% | 769 |
| Tier 1 risk-based capital ratio | 23.9466% | 1,090 |
| Total risk-based capital ratio | 24.8996% | 1,099 |
| Memoranda: | ||
| Average total assets | $37,036,000 | 7,377 |
| Average earning assets | $35,040,000 | 7,301 |
| Average equity | $5,985,000 | 6,769 |
| Average total loans | $28,828,500 | 6,828 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1315% | 857 |
| Cost of funding earning assets | 1.9162% | 6,685 |
| Net interest margin | 5.2154% | 331 |
| Noninterest income to average assets | 0.7687% | 2,677 |
| Noninterest expense to average assets | 4.0653% | 1,328 |
| Loan and lease loss provision to assets | 0.1054% | 6,024 |
| Net operating income to assets | 1.4846% | 1,057 |
| Return on assets (ROA) | 1.4846% | 1,013 |
| Pretax return on assets | 1.4846% | 1,724 |
| Return on Equity (ROE) | 9.1610% | 2,587 |
| Retained earnings to average equity (ytd only) | 3.8014% | 2,766 |
| Net charge-offs to loans | 0.0710% | 5,752 |
| Credit loss provision to net charge-offs | 190.0000% | 2,600 |
| Earnings coverage of net charge-offs (x) | 28.6500% | 1,205 |
| Efficiency ratio | 71.8842% | 3,960 |
| Assets per employee ($millions) | 2.4329% | 7,342 |
| Cash dividends to net income (ytd only)* | 58.5047% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8086% | 7,068 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 78.3170% | 2,045 |
| Net loans and leases to deposits | 93.9238% | 2,774 |
| Net loans and leases to core deposits | 101.4518% | 4,672 |
| Total domestic deposits to total assets | 83.3836% | 3,621 |
| Equity capital to assets | 16.4000% | 861 |
| Core capital (leverage) ratio | 16.0024% | 822 |
| Tier 1 risk-based capital ratio | 23.9776% | 1,090 |
| Total risk-based capital ratio | 24.9229% | 1,095 |
| Memoranda: | ||
| Average total assets | $36,036,400 | 7,380 |
| Average earning assets | $33,765,600 | 7,335 |
| Average equity | $5,840,000 | 6,862 |
| Average total loans | $28,170,200 | 6,830 |