Home > Vergas State Bank > Performance and Condition Ratios
Vergas State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5849% | 4,357 |
| Cost of funding earning assets | 0.7286% | 3,883 |
| Net interest margin | 2.8562% | 3,561 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 2.1277% | 3,328 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5235% | 3,619 |
| Return on assets (ROA) | 0.5235% | 3,607 |
| Pretax return on assets | 0.7173% | 3,401 |
| Return on Equity (ROE) | 3.8900% | 3,903 |
| Retained earnings to average equity (ytd only) | 3.4755% | 3,130 |
| Net charge-offs to loans | -0.0103% | 4,001 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.7872% | 1,369 |
| Assets per employee ($millions) | 6.7811% | 2,224 |
| Cash dividends to net income (ytd only)* | 10.6762% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0532% | 346 |
| 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 | 36.0500% | 4,153 |
| Net loans and leases to deposits | 42.0190% | 4,151 |
| Net loans and leases to core deposits | 44.2631% | 4,199 |
| Total domestic deposits to total assets | 85.8000% | 2,071 |
| Equity capital to assets | 14.0205% | 677 |
| Core capital (leverage) ratio | 14.9622% | 631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $53,672,200 | 4,278 |
| Average earning assets | $51,466,400 | 4,236 |
| Average equity | $7,222,000 | 4,022 |
| Average total loans | $19,456,200 | 4,300 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4919% | 4,389 |
| Cost of funding earning assets | 0.6666% | 3,835 |
| Net interest margin | 2.8253% | 3,683 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 2.0923% | 3,377 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5281% | 3,703 |
| Return on assets (ROA) | 0.5281% | 3,687 |
| Pretax return on assets | 0.7174% | 3,514 |
| Return on Equity (ROE) | 3.9700% | 3,985 |
| Retained earnings to average equity (ytd only) | 3.4053% | 3,412 |
| Net charge-offs to loans | 0.0414% | 1,294 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 1,330 |
| Efficiency ratio | 74.4681% | 1,321 |
| Assets per employee ($millions) | 7.5640% | 1,592 |
| Cash dividends to net income (ytd only)* | 14.1509% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0918% | 340 |
| Loan loss allowance to noncurrent loans | 1,827.2727% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 3,384 |
| Noncurrent loans to loans | 0.1145% | 3,002 |
| Net loans and leases to total assets | 35.5400% | 4,198 |
| Net loans and leases to deposits | 41.3448% | 4,176 |
| Net loans and leases to core deposits | 43.0888% | 4,192 |
| Total domestic deposits to total assets | 85.9500% | 2,211 |
| Equity capital to assets | 13.6757% | 695 |
| Core capital (leverage) ratio | 15.0594% | 613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $53,528,000 | 4,297 |
| Average earning assets | $51,202,750 | 4,253 |
| Average equity | $7,126,000 | 4,036 |
| Average total loans | $19,328,000 | 4,320 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4082% | 4,415 |
| Cost of funding earning assets | 0.6051% | 3,734 |
| Net interest margin | 2.8031% | 3,816 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 1.9694% | 3,658 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6031% | 3,562 |
| Return on assets (ROA) | 0.6031% | 3,573 |
| Pretax return on assets | 0.8153% | 3,371 |
| Return on Equity (ROE) | 4.5700% | 3,946 |
| Retained earnings to average equity (ytd only) | 3.7248% | 3,275 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.7219% | 1,695 |
| Assets per employee ($millions) | 7.6787% | 1,483 |
| Cash dividends to net income (ytd only)* | 18.5185% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1163% | 351 |
| Loan loss allowance to noncurrent loans | 230.5085% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.3293% | 1,606 |
| Noncurrent loans to loans | 0.9181% | 837 |
| Net loans and leases to total assets | 35.1100% | 4,207 |
| Net loans and leases to deposits | 40.6624% | 4,198 |
| Net loans and leases to core deposits | 41.8667% | 4,217 |
| Total domestic deposits to total assets | 86.3400% | 2,135 |
| Equity capital to assets | 13.2891% | 752 |
| Core capital (leverage) ratio | 14.8937% | 606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $53,721,333 | 4,317 |
| Average earning assets | $51,229,667 | 4,278 |
| Average equity | $7,087,667 | 4,067 |
| Average total loans | $19,364,667 | 4,339 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2257% | 4,475 |
| Cost of funding earning assets | 0.5324% | 3,588 |
| Net interest margin | 2.6933% | 4,081 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 1.9811% | 3,666 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5660% | 3,755 |
| Return on assets (ROA) | 0.5660% | 3,724 |
| Pretax return on assets | 0.7075% | 3,646 |
| Return on Equity (ROE) | 4.3100% | 3,989 |
| Retained earnings to average equity (ytd only) | 2.6062% | 3,581 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.6842% | 1,371 |
| Assets per employee ($millions) | 7.7563% | 1,486 |
| Cash dividends to net income (ytd only)* | 39.4737% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1236% | 365 |
| Loan loss allowance to noncurrent loans | 463.6364% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 2,375 |
| Noncurrent loans to loans | 0.4580% | 1,570 |
| Net loans and leases to total assets | 34.6400% | 4,244 |
| Net loans and leases to deposits | 39.9945% | 4,222 |
| Net loans and leases to core deposits | 40.8529% | 4,248 |
| Total domestic deposits to total assets | 86.6000% | 2,409 |
| Equity capital to assets | 13.1819% | 720 |
| Core capital (leverage) ratio | 14.4097% | 672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $53,706,500 | 4,378 |
| Average earning assets | $51,089,500 | 4,341 |
| Average equity | $7,060,000 | 4,119 |
| Average total loans | $19,407,500 | 4,397 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5279% | 4,493 |
| Cost of funding earning assets | 0.3204% | 2,722 |
| Net interest margin | 2.2075% | 4,473 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 1.9747% | 3,651 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3136% | 4,353 |
| Return on assets (ROA) | 0.3136% | 4,324 |
| Pretax return on assets | 0.3902% | 4,287 |
| Return on Equity (ROE) | 2.4100% | 4,347 |
| Retained earnings to average equity (ytd only) | 2.4075% | 3,884 |
| Net charge-offs to loans | -0.0342% | 4,238 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 83.5004% | 509 |
| Assets per employee ($millions) | 5.3119% | 3,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0814% | 377 |
| Loan loss allowance to noncurrent loans | 1,632.0000% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 3,341 |
| Noncurrent loans to loans | 0.1275% | 2,875 |
| Net loans and leases to total assets | 36.1300% | 4,208 |
| Net loans and leases to deposits | 41.6211% | 4,196 |
| Net loans and leases to core deposits | 42.9386% | 4,209 |
| Total domestic deposits to total assets | 86.8200% | 2,453 |
| Equity capital to assets | 13.1083% | 683 |
| Core capital (leverage) ratio | 13.9295% | 730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $54,843,600 | 4,389 |
| Average earning assets | $51,505,400 | 4,358 |
| Average equity | $7,144,400 | 4,192 |
| Average total loans | $17,532,200 | 4,446 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3730% | 4,509 |
| Cost of funding earning assets | 0.2912% | 2,266 |
| Net interest margin | 2.0819% | 4,528 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 1.9152% | 3,714 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3835% | 4,264 |
| Return on assets (ROA) | 0.3835% | 4,213 |
| Pretax return on assets | 0.3835% | 4,283 |
| Return on Equity (ROE) | 2.9500% | 4,301 |
| Retained earnings to average equity (ytd only) | 2.9486% | 3,784 |
| Net charge-offs to loans | -0.0470% | 4,295 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.3158% | 590 |
| Assets per employee ($millions) | 5.4145% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2456% | 322 |
| Loan loss allowance to noncurrent loans | 658.0645% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 2,821 |
| Noncurrent loans to loans | 0.3412% | 2,008 |
| Net loans and leases to total assets | 32.8000% | 4,345 |
| Net loans and leases to deposits | 37.6596% | 4,321 |
| Net loans and leases to core deposits | 38.8210% | 4,318 |
| Total domestic deposits to total assets | 87.1000% | 2,730 |
| Equity capital to assets | 12.6327% | 743 |
| Core capital (leverage) ratio | 13.8756% | 706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $55,274,750 | 4,421 |
| Average earning assets | $51,746,750 | 4,390 |
| Average equity | $7,189,750 | 4,229 |
| Average total loans | $17,014,750 | 4,487 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2149% | 4,561 |
| Cost of funding earning assets | 0.2917% | 1,790 |
| Net interest margin | 1.9232% | 4,590 |
| Noninterest income to average assets | 0.1078% | 4,451 |
| Noninterest expense to average assets | 1.8975% | 3,708 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0108% | 4,574 |
| Return on assets (ROA) | 0.0108% | 4,545 |
| Pretax return on assets | 0.0108% | 4,537 |
| Return on Equity (ROE) | 0.0821% | 4,545 |
| Retained earnings to average equity (ytd only) | 0.0821% | 4,168 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4350% | 191 |
| Assets per employee ($millions) | 5.4949% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3154% | 321 |
| Loan loss allowance to noncurrent loans | 1,747.8261% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 3,568 |
| Noncurrent loans to loans | 0.1325% | 3,050 |
| Net loans and leases to total assets | 30.8650% | 4,431 |
| Net loans and leases to deposits | 35.5049% | 4,407 |
| Net loans and leases to core deposits | 36.5809% | 4,415 |
| Total domestic deposits to total assets | 86.9315% | 2,960 |
| Equity capital to assets | 12.8628% | 684 |
| Core capital (leverage) ratio | 13.8453% | 659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,651,333 | 4,458 |
| Average earning assets | $52,101,000 | 4,439 |
| Average equity | $7,306,333 | 4,277 |
| Average total loans | $16,630,000 | 4,554 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0958% | 4,582 |
| Cost of funding earning assets | 0.2896% | 1,743 |
| Net interest margin | 1.8062% | 4,615 |
| Noninterest income to average assets | 0.1071% | 4,468 |
| Noninterest expense to average assets | 1.9642% | 3,523 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1643% | 4,627 |
| Return on assets (ROA) | -0.1643% | 4,611 |
| Pretax return on assets | -0.1643% | 4,607 |
| Return on Equity (ROE) | -1.2390% | 4,597 |
| Retained earnings to average equity (ytd only) | -1.2390% | 4,164 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.1270% | 139 |
| Assets per employee ($millions) | 5.5272% | 3,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3993% | 322 |
| Loan loss allowance to noncurrent loans | 1,675.0000% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 3,600 |
| Noncurrent loans to loans | 0.1432% | 3,092 |
| Net loans and leases to total assets | 29.5864% | 4,454 |
| Net loans and leases to deposits | 34.0787% | 4,444 |
| Net loans and leases to core deposits | 35.1043% | 4,454 |
| Total domestic deposits to total assets | 86.8179% | 2,991 |
| Equity capital to assets | 13.0337% | 682 |
| Core capital (leverage) ratio | 13.6196% | 643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,002,500 | 4,481 |
| Average earning assets | $52,485,500 | 4,458 |
| Average equity | $7,425,500 | 4,321 |
| Average total loans | $16,264,000 | 4,574 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4956% | 4,480 |
| Cost of funding earning assets | 0.3808% | 1,678 |
| Net interest margin | 2.1148% | 4,532 |
| Noninterest income to average assets | 0.1028% | 4,593 |
| Noninterest expense to average assets | 1.9311% | 3,856 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1542% | 4,572 |
| Return on assets (ROA) | 0.1542% | 4,587 |
| Pretax return on assets | 0.1799% | 4,585 |
| Return on Equity (ROE) | 1.0903% | 4,601 |
| Retained earnings to average equity (ytd only) | 1.0903% | 4,236 |
| Net charge-offs to loans | -0.0393% | 4,217 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4783% | 280 |
| Assets per employee ($millions) | 5.6733% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5487% | 257 |
| Loan loss allowance to noncurrent loans | 4,020.0000% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 3,967 |
| Noncurrent loans to loans | 0.0634% | 3,631 |
| Net loans and leases to total assets | 27.0936% | 4,595 |
| Net loans and leases to deposits | 31.3380% | 4,594 |
| Net loans and leases to core deposits | 32.2561% | 4,600 |
| Total domestic deposits to total assets | 86.4559% | 2,729 |
| Equity capital to assets | 13.4789% | 770 |
| Core capital (leverage) ratio | 13.5517% | 686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $54,476,400 | 4,514 |
| Average earning assets | $51,730,400 | 4,491 |
| Average equity | $7,704,000 | 4,358 |
| Average total loans | $17,807,400 | 4,602 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6105% | 4,492 |
| Cost of funding earning assets | 0.3992% | 1,700 |
| Net interest margin | 2.2113% | 4,563 |
| Noninterest income to average assets | 0.1014% | 4,662 |
| Noninterest expense to average assets | 1.8622% | 4,030 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2795% | 4,548 |
| Return on assets (ROA) | 0.2795% | 4,571 |
| Pretax return on assets | 0.3487% | 4,549 |
| Return on Equity (ROE) | 1.9520% | 4,597 |
| Retained earnings to average equity (ytd only) | 1.9520% | 4,199 |
| Net charge-offs to loans | -0.0146% | 3,835 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2282% | 507 |
| Assets per employee ($millions) | 5.6414% | 3,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3257% | 375 |
| Loan loss allowance to noncurrent loans | 3,609.0909% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 4,067 |
| Noncurrent loans to loans | 0.0644% | 3,772 |
| Net loans and leases to total assets | 29.5547% | 4,604 |
| Net loans and leases to deposits | 34.3865% | 4,616 |
| Net loans and leases to core deposits | 35.5979% | 4,620 |
| Total domestic deposits to total assets | 85.9485% | 2,769 |
| Equity capital to assets | 13.7501% | 791 |
| Core capital (leverage) ratio | 14.0750% | 619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,912,250 | 4,585 |
| Average earning assets | $51,431,750 | 4,553 |
| Average equity | $7,718,250 | 4,421 |
| Average total loans | $18,316,000 | 4,661 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7921% | 4,352 |
| Cost of funding earning assets | 0.4265% | 1,684 |
| Net interest margin | 2.3656% | 4,457 |
| Noninterest income to average assets | 0.1055% | 4,671 |
| Noninterest expense to average assets | 1.9066% | 3,948 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3504% | 4,465 |
| Return on assets (ROA) | 0.3504% | 4,495 |
| Pretax return on assets | 0.4559% | 4,447 |
| Return on Equity (ROE) | 2.4139% | 4,553 |
| Retained earnings to average equity (ytd only) | 2.4139% | 4,016 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7018% | 743 |
| Assets per employee ($millions) | 6.0359% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0530% | 550 |
| Loan loss allowance to noncurrent loans | 3,291.6667% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 4,123 |
| Noncurrent loans to loans | 0.0624% | 3,870 |
| Net loans and leases to total assets | 34.6906% | 4,513 |
| Net loans and leases to deposits | 40.5600% | 4,507 |
| Net loans and leases to core deposits | 42.0478% | 4,517 |
| Total domestic deposits to total assets | 85.5291% | 2,904 |
| Equity capital to assets | 14.2260% | 667 |
| Core capital (leverage) ratio | 14.4364% | 553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $53,078,333 | 4,623 |
| Average earning assets | $50,642,667 | 4,593 |
| Average equity | $7,705,333 | 4,449 |
| Average total loans | $18,731,333 | 4,688 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0854% | 3,916 |
| Cost of funding earning assets | 0.4533% | 1,695 |
| Net interest margin | 2.6321% | 4,092 |
| Noninterest income to average assets | 0.1144% | 4,616 |
| Noninterest expense to average assets | 1.9445% | 3,869 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5795% | 3,993 |
| Return on assets (ROA) | 0.5795% | 4,046 |
| Pretax return on assets | 0.6939% | 4,031 |
| Return on Equity (ROE) | 3.9511% | 4,294 |
| Retained earnings to average equity (ytd only) | 3.9511% | 3,518 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6994% | 1,339 |
| Assets per employee ($millions) | 5.9330% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1752% | 439 |
| Loan loss allowance to noncurrent loans | 669.4915% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 3,621 |
| Noncurrent loans to loans | 0.3249% | 2,935 |
| Net loans and leases to total assets | 33.2678% | 4,594 |
| Net loans and leases to deposits | 38.9792% | 4,598 |
| Net loans and leases to core deposits | 40.4315% | 4,612 |
| Total domestic deposits to total assets | 85.3475% | 2,978 |
| Equity capital to assets | 14.4652% | 582 |
| Core capital (leverage) ratio | 14.6766% | 533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,456,000 | 4,647 |
| Average earning assets | $50,302,000 | 4,613 |
| Average equity | $7,694,000 | 4,461 |
| Average total loans | $18,477,000 | 4,721 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8715% | 4,717 |
| Cost of funding earning assets | 0.6694% | 1,877 |
| Net interest margin | 2.2021% | 4,757 |
| Noninterest income to average assets | 0.1188% | 4,674 |
| Noninterest expense to average assets | 2.1118% | 3,914 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.1091% | 4,662 |
| Return on assets (ROA) | 0.1344% | 4,686 |
| Pretax return on assets | 0.1344% | 4,683 |
| Return on Equity (ROE) | 0.9009% | 4,685 |
| Retained earnings to average equity (ytd only) | 0.2481% | 4,444 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0877% | 250 |
| Assets per employee ($millions) | 5.1515% | 3,227 |
| Cash dividends to net income (ytd only)* | 72.4638% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1016% | 488 |
| Loan loss allowance to noncurrent loans | 2,468.7500% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 4,205 |
| Noncurrent loans to loans | 0.0851% | 3,954 |
| Net loans and leases to total assets | 35.7178% | 4,599 |
| Net loans and leases to deposits | 42.0178% | 4,598 |
| Net loans and leases to core deposits | 43.6402% | 4,616 |
| Total domestic deposits to total assets | 85.0063% | 2,757 |
| Equity capital to assets | 14.8772% | 594 |
| Core capital (leverage) ratio | 14.9634% | 512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,331,400 | 4,631 |
| Average earning assets | $48,998,000 | 4,602 |
| Average equity | $7,659,200 | 4,461 |
| Average total loans | $17,968,600 | 4,755 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9388% | 4,772 |
| Cost of funding earning assets | 0.7136% | 1,941 |
| Net interest margin | 2.2252% | 4,807 |
| Noninterest income to average assets | 0.1222% | 4,676 |
| Noninterest expense to average assets | 2.0512% | 4,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.1549% | 4,648 |
| Return on assets (ROA) | 0.1820% | 4,656 |
| Pretax return on assets | 0.2288% | 4,625 |
| Return on Equity (ROE) | 1.2187% | 4,673 |
| Retained earnings to average equity (ytd only) | 0.3482% | 4,418 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3194% | 330 |
| Assets per employee ($millions) | 5.1252% | 3,088 |
| Cash dividends to net income (ytd only)* | 71.4286% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1675% | 371 |
| Loan loss allowance to noncurrent loans | 349.5575% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 3,337 |
| Noncurrent loans to loans | 0.6201% | 2,251 |
| Net loans and leases to total assets | 34.7869% | 4,718 |
| Net loans and leases to deposits | 41.0986% | 4,717 |
| Net loans and leases to core deposits | 42.4379% | 4,736 |
| Total domestic deposits to total assets | 84.6426% | 2,576 |
| Equity capital to assets | 14.9575% | 647 |
| Core capital (leverage) ratio | 14.5173% | 626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,285,500 | 4,655 |
| Average earning assets | $48,952,500 | 4,625 |
| Average equity | $7,658,000 | 4,483 |
| Average total loans | $17,762,000 | 4,789 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0459% | 4,818 |
| Cost of funding earning assets | 0.7513% | 2,111 |
| Net interest margin | 2.2946% | 4,839 |
| Noninterest income to average assets | 0.1326% | 4,641 |
| Noninterest expense to average assets | 1.9728% | 4,289 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2807% | 4,453 |
| Return on assets (ROA) | 0.2807% | 4,493 |
| Pretax return on assets | 0.3509% | 4,470 |
| Return on Equity (ROE) | 1.8810% | 4,552 |
| Retained earnings to average equity (ytd only) | 0.5748% | 4,196 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8993% | 589 |
| Assets per employee ($millions) | 5.2414% | 2,896 |
| Cash dividends to net income (ytd only)* | 69.4444% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1969% | 335 |
| Loan loss allowance to noncurrent loans | 897.7273% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 4,104 |
| Noncurrent loans to loans | 0.2447% | 3,503 |
| Net loans and leases to total assets | 33.5502% | 4,793 |
| Net loans and leases to deposits | 39.4610% | 4,807 |
| Net loans and leases to core deposits | 42.2859% | 4,790 |
| Total domestic deposits to total assets | 85.0212% | 2,390 |
| Equity capital to assets | 14.6469% | 694 |
| Core capital (leverage) ratio | 14.9348% | 585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,296,667 | 4,672 |
| Average earning assets | $48,984,000 | 4,638 |
| Average equity | $7,655,333 | 4,505 |
| Average total loans | $17,608,000 | 4,820 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0542% | 4,931 |
| Cost of funding earning assets | 0.8089% | 2,328 |
| Net interest margin | 2.2452% | 4,942 |
| Noninterest income to average assets | 0.1656% | 4,542 |
| Noninterest expense to average assets | 1.9867% | 4,421 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2680% | 4,415 |
| Return on assets (ROA) | 0.2680% | 4,440 |
| Pretax return on assets | 0.3232% | 4,418 |
| Return on Equity (ROE) | 1.7791% | 4,490 |
| Retained earnings to average equity (ytd only) | -0.8372% | 4,119 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0068% | 707 |
| Assets per employee ($millions) | 5.0525% | 2,594 |
| Cash dividends to net income (ytd only)* | 147.0588% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2371% | 356 |
| Loan loss allowance to noncurrent loans | 2,633.3333% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 4,474 |
| Noncurrent loans to loans | 0.0850% | 4,169 |
| Net loans and leases to total assets | 34.1653% | 4,829 |
| Net loans and leases to deposits | 40.3799% | 4,831 |
| Net loans and leases to core deposits | 43.7733% | 4,812 |
| Total domestic deposits to total assets | 84.6096% | 2,563 |
| Equity capital to assets | 15.1232% | 737 |
| Core capital (leverage) ratio | 15.0874% | 671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,738,000 | 4,701 |
| Average earning assets | $48,458,500 | 4,666 |
| Average equity | $7,644,500 | 4,532 |
| Average total loans | $17,422,000 | 4,861 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4979% | 4,860 |
| Cost of funding earning assets | 0.7416% | 2,960 |
| Net interest margin | 2.7563% | 4,786 |
| Noninterest income to average assets | 0.1593% | 4,695 |
| Noninterest expense to average assets | 2.2366% | 4,088 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4282% | 4,549 |
| Return on assets (ROA) | 0.4330% | 4,569 |
| Pretax return on assets | 0.5556% | 4,480 |
| Return on Equity (ROE) | 2.8050% | 4,693 |
| Retained earnings to average equity (ytd only) | 2.0112% | 3,995 |
| Net charge-offs to loans | -0.0383% | 4,766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2786% | 919 |
| Assets per employee ($millions) | 5.0951% | 2,461 |
| Cash dividends to net income (ytd only)* | 28.3019% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2982% | 287 |
| Loan loss allowance to noncurrent loans | 98.0149% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.7910% | 1,634 |
| Noncurrent loans to loans | 2.3448% | 500 |
| Net loans and leases to total assets | 32.9572% | 4,921 |
| Net loans and leases to deposits | 38.8569% | 4,925 |
| Net loans and leases to core deposits | 42.0610% | 4,901 |
| Total domestic deposits to total assets | 84.8168% | 2,564 |
| Equity capital to assets | 15.0105% | 791 |
| Core capital (leverage) ratio | 15.2199% | 645 |
| Tier 1 risk-based capital ratio | 38.7022% | 259 |
| Total risk-based capital ratio | 39.9625% | 255 |
| Memoranda: | ||
| Average total assets | $48,959,200 | 4,768 |
| Average earning assets | $46,656,400 | 4,735 |
| Average equity | $7,557,800 | 4,560 |
| Average total loans | $18,284,400 | 4,901 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5616% | 4,914 |
| Cost of funding earning assets | 0.7193% | 3,113 |
| Net interest margin | 2.8424% | 4,818 |
| Noninterest income to average assets | 0.1623% | 4,735 |
| Noninterest expense to average assets | 2.0249% | 4,500 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6466% | 4,167 |
| Return on assets (ROA) | 0.6466% | 4,218 |
| Pretax return on assets | 0.8447% | 4,027 |
| Return on Equity (ROE) | 4.1582% | 4,563 |
| Retained earnings to average equity (ytd only) | 3.0965% | 3,852 |
| Net charge-offs to loans | -0.0503% | 4,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5657% | 2,043 |
| Assets per employee ($millions) | 5.0088% | 2,556 |
| Cash dividends to net income (ytd only)* | 25.5322% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2359% | 314 |
| Loan loss allowance to noncurrent loans | 92.5059% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.8525% | 1,604 |
| Noncurrent loans to loans | 2.4171% | 494 |
| Net loans and leases to total assets | 34.4813% | 4,980 |
| Net loans and leases to deposits | 40.9421% | 4,975 |
| Net loans and leases to core deposits | 44.1071% | 4,957 |
| Total domestic deposits to total assets | 84.2198% | 2,743 |
| Equity capital to assets | 15.3190% | 771 |
| Core capital (leverage) ratio | 15.7368% | 594 |
| Tier 1 risk-based capital ratio | 38.2094% | 273 |
| Total risk-based capital ratio | 39.4699% | 272 |
| Memoranda: | ||
| Average total assets | $48,461,250 | 4,841 |
| Average earning assets | $46,157,750 | 4,812 |
| Average equity | $7,535,250 | 4,616 |
| Average total loans | $18,558,750 | 4,971 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5138% | 4,999 |
| Cost of funding earning assets | 0.6966% | 3,186 |
| Net interest margin | 2.8171% | 4,914 |
| Noninterest income to average assets | 0.1711% | 4,729 |
| Noninterest expense to average assets | 2.0743% | 4,457 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6094% | 4,286 |
| Return on assets (ROA) | 0.6094% | 4,322 |
| Pretax return on assets | 0.7805% | 4,136 |
| Return on Equity (ROE) | 3.8989% | 4,616 |
| Retained earnings to average equity (ytd only) | 2.2966% | 4,015 |
| Net charge-offs to loans | -0.0212% | 4,558 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6608% | 1,818 |
| Assets per employee ($millions) | 4.8693% | 2,638 |
| Cash dividends to net income (ytd only)* | 41.0959% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2110% | 329 |
| Loan loss allowance to noncurrent loans | 78.0000% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.0268% | 1,356 |
| Noncurrent loans to loans | 2.8346% | 373 |
| Net loans and leases to total assets | 35.4240% | 4,994 |
| Net loans and leases to deposits | 42.1262% | 4,994 |
| Net loans and leases to core deposits | 43.6385% | 5,001 |
| Total domestic deposits to total assets | 84.0901% | 2,818 |
| Equity capital to assets | 15.5690% | 695 |
| Core capital (leverage) ratio | 15.9592% | 550 |
| Tier 1 risk-based capital ratio | 37.9152% | 275 |
| Total risk-based capital ratio | 39.1757% | 269 |
| Memoranda: | ||
| Average total assets | $47,919,000 | 4,889 |
| Average earning assets | $45,649,000 | 4,857 |
| Average equity | $7,489,330 | 4,652 |
| Average total loans | $18,856,330 | 5,001 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4922% | 5,050 |
| Cost of funding earning assets | 0.6719% | 3,193 |
| Net interest margin | 2.8203% | 4,972 |
| Noninterest income to average assets | 0.1851% | 4,642 |
| Noninterest expense to average assets | 2.1123% | 4,443 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5807% | 4,301 |
| Return on assets (ROA) | 0.5807% | 4,336 |
| Pretax return on assets | 0.7574% | 4,157 |
| Return on Equity (ROE) | 3.7079% | 4,635 |
| Retained earnings to average equity (ytd only) | 0.4836% | 4,436 |
| Net charge-offs to loans | -0.0205% | 4,498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6070% | 1,797 |
| Assets per employee ($millions) | 4.7437% | 2,858 |
| Cash dividends to net income (ytd only)* | 86.9565% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0564% | 449 |
| Loan loss allowance to noncurrent loans | 100.2577% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.8179% | 1,734 |
| Noncurrent loans to loans | 2.0511% | 716 |
| Net loans and leases to total assets | 39.0581% | 4,915 |
| Net loans and leases to deposits | 46.5738% | 4,913 |
| Net loans and leases to core deposits | 48.2877% | 4,930 |
| Total domestic deposits to total assets | 83.8628% | 3,094 |
| Equity capital to assets | 15.7430% | 615 |
| Core capital (leverage) ratio | 15.8385% | 555 |
| Tier 1 risk-based capital ratio | 35.8258% | 302 |
| Total risk-based capital ratio | 37.0816% | 297 |
| Memoranda: | ||
| Average total assets | $47,532,000 | 4,946 |
| Average earning assets | $45,244,000 | 4,914 |
| Average equity | $7,443,500 | 4,691 |
| Average total loans | $19,465,000 | 5,049 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4331% | 4,981 |
| Cost of funding earning assets | 0.5729% | 2,902 |
| Net interest margin | 2.8602% | 4,963 |
| Noninterest income to average assets | 0.1916% | 4,757 |
| Noninterest expense to average assets | 2.2591% | 4,208 |
| Loan and lease loss provision to assets | 0.0208% | 3,746 |
| Net operating income to assets | 0.5205% | 4,617 |
| Return on assets (ROA) | 0.5205% | 4,615 |
| Pretax return on assets | 0.6455% | 4,546 |
| Return on Equity (ROE) | 3.4227% | 4,835 |
| Retained earnings to average equity (ytd only) | 2.7382% | 4,033 |
| Net charge-offs to loans | 0.0602% | 2,274 |
| Credit loss provision to net charge-offs | 83.3333% | 2,819 |
| Earnings coverage of net charge-offs (x) | 26.6667% | 1,717 |
| Efficiency ratio | 77.2242% | 1,212 |
| Assets per employee ($millions) | 4.7627% | 2,794 |
| Cash dividends to net income (ytd only)* | 20.0000% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9387% | 537 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.8147% | 1,716 |
| Noncurrent loans to loans | 1.9387% | 704 |
| Net loans and leases to total assets | 41.2056% | 4,906 |
| Net loans and leases to deposits | 48.9524% | 4,915 |
| Net loans and leases to core deposits | 50.7237% | 4,923 |
| Total domestic deposits to total assets | 84.1749% | 2,947 |
| Equity capital to assets | 15.5773% | 605 |
| Core capital (leverage) ratio | 15.4672% | 603 |
| Tier 1 risk-based capital ratio | 34.0281% | 339 |
| Total risk-based capital ratio | 35.2858% | 334 |
| Memoranda: | ||
| Average total assets | $48,027,600 | 4,974 |
| Average earning assets | $45,905,800 | 4,938 |
| Average equity | $7,304,200 | 4,705 |
| Average total loans | $19,940,600 | 5,079 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3412% | 5,094 |
| Cost of funding earning assets | 0.5530% | 2,841 |
| Net interest margin | 2.7882% | 5,100 |
| Noninterest income to average assets | 0.1912% | 4,831 |
| Noninterest expense to average assets | 2.0168% | 4,706 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6455% | 4,379 |
| Return on assets (ROA) | 0.6455% | 4,389 |
| Pretax return on assets | 0.8422% | 4,188 |
| Return on Equity (ROE) | 4.2699% | 4,759 |
| Retained earnings to average equity (ytd only) | 3.3536% | 4,075 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5426% | 2,111 |
| Assets per employee ($millions) | 4.7889% | 2,737 |
| Cash dividends to net income (ytd only)* | 21.4608% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8544% | 652 |
| Loan loss allowance to noncurrent loans | 236.3636% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 3,292 |
| Noncurrent loans to loans | 0.7846% | 2,138 |
| Net loans and leases to total assets | 43.1018% | 4,912 |
| Net loans and leases to deposits | 51.2463% | 4,908 |
| Net loans and leases to core deposits | 53.4478% | 4,925 |
| Total domestic deposits to total assets | 84.1070% | 2,903 |
| Equity capital to assets | 15.3731% | 645 |
| Core capital (leverage) ratio | 15.4445% | 606 |
| Tier 1 risk-based capital ratio | 33.1869% | 364 |
| Total risk-based capital ratio | 34.4430% | 358 |
| Memoranda: | ||
| Average total assets | $48,127,750 | 5,025 |
| Average earning assets | $46,049,750 | 4,986 |
| Average equity | $7,275,500 | 4,759 |
| Average total loans | $19,922,500 | 5,139 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2669% | 5,169 |
| Cost of funding earning assets | 0.5394% | 2,691 |
| Net interest margin | 2.7275% | 5,194 |
| Noninterest income to average assets | 0.1950% | 4,850 |
| Noninterest expense to average assets | 2.1117% | 4,579 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5352% | 4,666 |
| Return on assets (ROA) | 0.5352% | 4,674 |
| Pretax return on assets | 0.6845% | 4,549 |
| Return on Equity (ROE) | 3.5603% | 4,917 |
| Retained earnings to average equity (ytd only) | 2.1803% | 4,408 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5193% | 1,490 |
| Assets per employee ($millions) | 4.3817% | 3,304 |
| Cash dividends to net income (ytd only)* | 38.7597% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9630% | 550 |
| Loan loss allowance to noncurrent loans | 258.2781% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.3133% | 3,514 |
| Noncurrent loans to loans | 0.7600% | 2,219 |
| Net loans and leases to total assets | 40.4116% | 5,044 |
| Net loans and leases to deposits | 47.8035% | 5,033 |
| Net loans and leases to core deposits | 49.8248% | 5,047 |
| Total domestic deposits to total assets | 84.5370% | 2,855 |
| Equity capital to assets | 15.1020% | 668 |
| Core capital (leverage) ratio | 15.4163% | 587 |
| Tier 1 risk-based capital ratio | 33.4908% | 361 |
| Total risk-based capital ratio | 34.7445% | 352 |
| Memoranda: | ||
| Average total assets | $48,207,330 | 5,083 |
| Average earning assets | $45,976,670 | 5,042 |
| Average equity | $7,246,670 | 4,809 |
| Average total loans | $19,553,000 | 5,208 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1857% | 5,245 |
| Cost of funding earning assets | 0.5310% | 2,536 |
| Net interest margin | 2.6548% | 5,286 |
| Noninterest income to average assets | 0.2157% | 4,718 |
| Noninterest expense to average assets | 2.1157% | 4,626 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5061% | 4,680 |
| Return on assets (ROA) | 0.5061% | 4,686 |
| Pretax return on assets | 0.6306% | 4,614 |
| Return on Equity (ROE) | 3.3746% | 4,933 |
| Retained earnings to average equity (ytd only) | 0.6085% | 4,711 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0393% | 1,457 |
| Assets per employee ($millions) | 4.3445% | 3,407 |
| Cash dividends to net income (ytd only)* | 81.9672% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0123% | 532 |
| Loan loss allowance to noncurrent loans | 260.0000% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 3,575 |
| Noncurrent loans to loans | 0.7740% | 2,269 |
| Net loans and leases to total assets | 39.7384% | 5,081 |
| Net loans and leases to deposits | 46.9470% | 5,077 |
| Net loans and leases to core deposits | 48.9370% | 5,070 |
| Total domestic deposits to total assets | 84.6453% | 3,050 |
| Equity capital to assets | 15.1036% | 648 |
| Core capital (leverage) ratio | 15.1584% | 624 |
| Tier 1 risk-based capital ratio | 34.0941% | 344 |
| Total risk-based capital ratio | 35.3496% | 341 |
| Memoranda: | ||
| Average total assets | $48,211,500 | 5,142 |
| Average earning assets | $45,955,000 | 5,109 |
| Average equity | $7,230,500 | 4,864 |
| Average total loans | $19,395,500 | 5,270 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1219% | 5,266 |
| Cost of funding earning assets | 0.5285% | 2,108 |
| Net interest margin | 2.5934% | 5,356 |
| Noninterest income to average assets | 0.2050% | 4,916 |
| Noninterest expense to average assets | 2.1674% | 4,606 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3511% | 4,825 |
| Return on assets (ROA) | 0.3511% | 4,850 |
| Pretax return on assets | 0.5074% | 4,918 |
| Return on Equity (ROE) | 2.4000% | 4,976 |
| Retained earnings to average equity (ytd only) | 1.2208% | 4,534 |
| Net charge-offs to loans | -0.0154% | 4,882 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0319% | 1,014 |
| Assets per employee ($millions) | 4.4212% | 3,319 |
| Cash dividends to net income (ytd only)* | 49.1329% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0093% | 530 |
| Loan loss allowance to noncurrent loans | 258.2781% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.3105% | 3,645 |
| Noncurrent loans to loans | 0.7779% | 2,271 |
| Net loans and leases to total assets | 39.1092% | 5,169 |
| Net loans and leases to deposits | 46.0143% | 5,194 |
| Net loans and leases to core deposits | 47.6143% | 5,203 |
| Total domestic deposits to total assets | 84.9937% | 2,838 |
| Equity capital to assets | 14.8932% | 700 |
| Core capital (leverage) ratio | 14.8180% | 657 |
| Tier 1 risk-based capital ratio | 33.3044% | 362 |
| Total risk-based capital ratio | 34.5601% | 355 |
| Memoranda: | ||
| Average total assets | $49,275,000 | 5,171 |
| Average earning assets | $46,926,000 | 5,125 |
| Average equity | $7,208,400 | 4,907 |
| Average total loans | $19,506,600 | 5,326 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0948% | 5,338 |
| Cost of funding earning assets | 0.5266% | 2,064 |
| Net interest margin | 2.5681% | 5,427 |
| Noninterest income to average assets | 0.2050% | 4,979 |
| Noninterest expense to average assets | 2.0713% | 4,796 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4531% | 4,874 |
| Return on assets (ROA) | 0.4531% | 4,900 |
| Pretax return on assets | 0.5799% | 4,882 |
| Return on Equity (ROE) | 3.1111% | 5,083 |
| Retained earnings to average equity (ytd only) | 1.5370% | 4,806 |
| Net charge-offs to loans | -0.0342% | 5,039 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1282% | 1,320 |
| Assets per employee ($millions) | 4.4652% | 3,213 |
| Cash dividends to net income (ytd only)* | 50.5960% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9792% | 594 |
| Loan loss allowance to noncurrent loans | 259.6026% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.3074% | 3,839 |
| Noncurrent loans to loans | 0.7624% | 2,452 |
| Net loans and leases to total assets | 39.5260% | 5,213 |
| Net loans and leases to deposits | 46.6279% | 5,235 |
| Net loans and leases to core deposits | 47.7577% | 5,264 |
| Total domestic deposits to total assets | 84.7690% | 2,808 |
| Equity capital to assets | 14.8197% | 775 |
| Core capital (leverage) ratio | 14.9955% | 664 |
| Tier 1 risk-based capital ratio | 32.3668% | 403 |
| Total risk-based capital ratio | 33.6234% | 394 |
| Memoranda: | ||
| Average total assets | $49,435,500 | 5,226 |
| Average earning assets | $47,088,750 | 5,178 |
| Average equity | $7,199,750 | 4,962 |
| Average total loans | $19,530,750 | 5,384 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0255% | 5,415 |
| Cost of funding earning assets | 0.5297% | 1,920 |
| Net interest margin | 2.4958% | 5,507 |
| Noninterest income to average assets | 0.2099% | 4,997 |
| Noninterest expense to average assets | 2.0185% | 4,935 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4481% | 4,858 |
| Return on assets (ROA) | 0.4481% | 4,881 |
| Pretax return on assets | 0.5692% | 4,864 |
| Return on Equity (ROE) | 3.0948% | 5,086 |
| Retained earnings to average equity (ytd only) | 0.7249% | 4,915 |
| Net charge-offs to loans | -0.0309% | 4,969 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0031% | 1,462 |
| Assets per employee ($millions) | 4.4555% | 3,184 |
| Cash dividends to net income (ytd only)* | 76.5766% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0432% | 558 |
| Loan loss allowance to noncurrent loans | 256.5789% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.3101% | 3,881 |
| Noncurrent loans to loans | 0.7963% | 2,416 |
| Net loans and leases to total assets | 38.1514% | 5,298 |
| Net loans and leases to deposits | 44.9039% | 5,312 |
| Net loans and leases to core deposits | 45.9885% | 5,340 |
| Total domestic deposits to total assets | 84.9623% | 2,833 |
| Equity capital to assets | 14.7480% | 755 |
| Core capital (leverage) ratio | 14.8224% | 675 |
| Tier 1 risk-based capital ratio | 33.1151% | 359 |
| Total risk-based capital ratio | 34.3697% | 353 |
| Memoranda: | ||
| Average total assets | $49,541,670 | 5,257 |
| Average earning assets | $47,199,330 | 5,212 |
| Average equity | $7,173,330 | 4,988 |
| Average total loans | $19,439,000 | 5,428 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9550% | 5,502 |
| Cost of funding earning assets | 0.5304% | 1,860 |
| Net interest margin | 2.4246% | 5,602 |
| Noninterest income to average assets | 0.2088% | 5,018 |
| Noninterest expense to average assets | 1.9435% | 5,163 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4578% | 4,746 |
| Return on assets (ROA) | 0.4578% | 4,768 |
| Pretax return on assets | 0.5782% | 4,779 |
| Return on Equity (ROE) | 3.1906% | 5,046 |
| Retained earnings to average equity (ytd only) | -1.5673% | 5,134 |
| Net charge-offs to loans | -0.0612% | 5,271 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0701% | 1,746 |
| Assets per employee ($millions) | 4.5305% | 3,115 |
| Cash dividends to net income (ytd only)* | 149.1228% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0042% | 666 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.3130% | 3,937 |
| Noncurrent loans to loans | 0.8017% | 2,452 |
| Net loans and leases to total assets | 38.2635% | 5,313 |
| Net loans and leases to deposits | 44.8060% | 5,342 |
| Net loans and leases to core deposits | 45.8599% | 5,367 |
| Total domestic deposits to total assets | 85.3981% | 2,924 |
| Equity capital to assets | 14.3370% | 801 |
| Core capital (leverage) ratio | 14.3600% | 751 |
| Tier 1 risk-based capital ratio | 32.2912% | 405 |
| Total risk-based capital ratio | 33.5463% | 397 |
| Memoranda: | ||
| Average total assets | $49,807,500 | 5,312 |
| Average earning assets | $47,513,000 | 5,260 |
| Average equity | $7,146,000 | 5,036 |
| Average total loans | $19,614,500 | 5,479 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9762% | 5,517 |
| Cost of funding earning assets | 0.5515% | 1,676 |
| Net interest margin | 2.4247% | 5,630 |
| Noninterest income to average assets | 0.2173% | 5,113 |
| Noninterest expense to average assets | 1.9738% | 5,244 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7737% | 3,433 |
| Return on assets (ROA) | 0.8732% | 3,074 |
| Pretax return on assets | 0.6640% | 4,609 |
| Return on Equity (ROE) | 6.1578% | 3,898 |
| Retained earnings to average equity (ytd only) | 4.7258% | 2,530 |
| Net charge-offs to loans | -0.0562% | 5,429 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7600% | 1,728 |
| Assets per employee ($millions) | 4.5254% | 3,084 |
| Cash dividends to net income (ytd only)* | 23.2558% | 3,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9575% | 718 |
| Loan loss allowance to noncurrent loans | 240.3727% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.3234% | 3,981 |
| Noncurrent loans to loans | 0.8144% | 2,484 |
| Net loans and leases to total assets | 38.9381% | 5,362 |
| Net loans and leases to deposits | 45.5588% | 5,382 |
| Net loans and leases to core deposits | 46.6274% | 5,411 |
| Total domestic deposits to total assets | 85.4678% | 2,846 |
| Equity capital to assets | 14.3575% | 779 |
| Core capital (leverage) ratio | 14.5983% | 673 |
| Tier 1 risk-based capital ratio | 31.7865% | 418 |
| Total risk-based capital ratio | 33.0437% | 413 |
| Memoranda: | ||
| Average total assets | $49,244,200 | 5,362 |
| Average earning assets | $47,140,800 | 5,305 |
| Average equity | $6,983,000 | 5,094 |
| Average total loans | $17,799,600 | 5,582 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9838% | 5,584 |
| Cost of funding earning assets | 0.5554% | 1,646 |
| Net interest margin | 2.4284% | 5,698 |
| Noninterest income to average assets | 0.2145% | 5,181 |
| Noninterest expense to average assets | 1.9574% | 5,284 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4310% | 4,931 |
| Return on assets (ROA) | 0.5294% | 4,678 |
| Pretax return on assets | 0.7167% | 4,565 |
| Return on Equity (ROE) | 3.7452% | 5,009 |
| Retained earnings to average equity (ytd only) | 1.8245% | 4,772 |
| Net charge-offs to loans | -0.0770% | 5,495 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0299% | 1,830 |
| Assets per employee ($millions) | 4.4683% | 3,133 |
| Cash dividends to net income (ytd only)* | 51.2827% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1832% | 536 |
| Loan loss allowance to noncurrent loans | 126.8852% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.6205% | 3,050 |
| Noncurrent loans to loans | 1.7206% | 1,214 |
| Net loans and leases to total assets | 35.2770% | 5,575 |
| Net loans and leases to deposits | 41.4551% | 5,596 |
| Net loans and leases to core deposits | 42.4403% | 5,623 |
| Total domestic deposits to total assets | 85.0969% | 2,763 |
| Equity capital to assets | 14.2683% | 940 |
| Core capital (leverage) ratio | 14.2837% | 777 |
| Tier 1 risk-based capital ratio | 33.8595% | 360 |
| Total risk-based capital ratio | 35.1175% | 359 |
| Memoranda: | ||
| Average total assets | $49,110,500 | 5,418 |
| Average earning assets | $47,052,250 | 5,359 |
| Average equity | $6,942,000 | 5,151 |
| Average total loans | $17,307,000 | 5,659 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9965% | 5,654 |
| Cost of funding earning assets | 0.5568% | 1,645 |
| Net interest margin | 2.4397% | 5,776 |
| Noninterest income to average assets | 0.2118% | 5,224 |
| Noninterest expense to average assets | 1.9635% | 5,345 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4430% | 4,892 |
| Return on assets (ROA) | 0.4888% | 4,824 |
| Pretax return on assets | 0.6477% | 4,767 |
| Return on Equity (ROE) | 3.4690% | 5,104 |
| Retained earnings to average equity (ytd only) | 0.5782% | 5,133 |
| Net charge-offs to loans | -0.0816% | 5,549 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9968% | 1,932 |
| Assets per employee ($millions) | 4.3991% | 3,220 |
| Cash dividends to net income (ytd only)* | 83.3333% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1969% | 546 |
| Loan loss allowance to noncurrent loans | 225.8824% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.3513% | 4,088 |
| Noncurrent loans to loans | 0.9726% | 2,337 |
| Net loans and leases to total assets | 35.3275% | 5,636 |
| Net loans and leases to deposits | 41.5704% | 5,635 |
| Net loans and leases to core deposits | 42.8736% | 5,652 |
| Total domestic deposits to total assets | 84.9824% | 2,889 |
| Equity capital to assets | 14.3997% | 902 |
| Core capital (leverage) ratio | 14.4223% | 723 |
| Tier 1 risk-based capital ratio | 34.0678% | 359 |
| Total risk-based capital ratio | 35.3275% | 350 |
| Memoranda: | ||
| Average total assets | $49,097,000 | 5,478 |
| Average earning assets | $47,054,670 | 5,423 |
| Average equity | $6,918,330 | 5,210 |
| Average total loans | $17,167,330 | 5,732 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0179% | 5,671 |
| Cost of funding earning assets | 0.5648% | 1,582 |
| Net interest margin | 2.4531% | 5,843 |
| Noninterest income to average assets | 0.2346% | 5,066 |
| Noninterest expense to average assets | 1.9252% | 5,487 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5167% | 4,555 |
| Return on assets (ROA) | 0.5420% | 4,560 |
| Pretax return on assets | 0.6956% | 4,545 |
| Return on Equity (ROE) | 3.8877% | 4,928 |
| Retained earnings to average equity (ytd only) | -1.9148% | 5,381 |
| Net charge-offs to loans | -0.0705% | 5,500 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3750% | 2,415 |
| Assets per employee ($millions) | 4.4077% | 3,235 |
| Cash dividends to net income (ytd only)* | 149.2537% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2303% | 567 |
| Loan loss allowance to noncurrent loans | 228.9157% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 4,189 |
| Noncurrent loans to loans | 0.9743% | 2,435 |
| Net loans and leases to total assets | 34.3570% | 5,700 |
| Net loans and leases to deposits | 40.3088% | 5,704 |
| Net loans and leases to core deposits | 41.5443% | 5,731 |
| Total domestic deposits to total assets | 85.2346% | 3,027 |
| Equity capital to assets | 14.2415% | 901 |
| Core capital (leverage) ratio | 14.0623% | 794 |
| Tier 1 risk-based capital ratio | 34.2287% | 362 |
| Total risk-based capital ratio | 35.4892% | 356 |
| Memoranda: | ||
| Average total assets | $49,450,500 | 5,521 |
| Average earning assets | $47,449,500 | 5,462 |
| Average equity | $6,893,500 | 5,248 |
| Average total loans | $17,011,500 | 5,787 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2242% | 5,482 |
| Cost of funding earning assets | 0.5928% | 1,415 |
| Net interest margin | 2.6314% | 5,732 |
| Noninterest income to average assets | 0.2289% | 5,223 |
| Noninterest expense to average assets | 2.0293% | 5,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4985% | 4,697 |
| Return on assets (ROA) | 0.5620% | 4,547 |
| Pretax return on assets | 0.8134% | 4,149 |
| Return on Equity (ROE) | 4.0680% | 4,913 |
| Retained earnings to average equity (ytd only) | 2.5888% | 4,229 |
| Net charge-offs to loans | -0.1137% | 5,814 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7741% | 2,617 |
| Assets per employee ($millions) | 4.5833% | 2,909 |
| Cash dividends to net income (ytd only)* | 36.3636% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2196% | 579 |
| Loan loss allowance to noncurrent loans | 234.1615% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 4,315 |
| Noncurrent loans to loans | 0.9479% | 2,439 |
| Net loans and leases to total assets | 32.9419% | 5,810 |
| Net loans and leases to deposits | 38.3512% | 5,827 |
| Net loans and leases to core deposits | 39.9471% | 5,822 |
| Total domestic deposits to total assets | 85.8954% | 2,681 |
| Equity capital to assets | 13.6504% | 1,060 |
| Core capital (leverage) ratio | 13.6494% | 921 |
| Tier 1 risk-based capital ratio | 33.5300% | 377 |
| Total risk-based capital ratio | 34.7881% | 378 |
| Memoranda: | ||
| Average total assets | $48,933,000 | 5,569 |
| Average earning assets | $46,895,400 | 5,501 |
| Average equity | $6,760,000 | 5,287 |
| Average total loans | $17,595,800 | 5,807 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2661% | 5,474 |
| Cost of funding earning assets | 0.5931% | 1,448 |
| Net interest margin | 2.6731% | 5,755 |
| Noninterest income to average assets | 0.2279% | 5,287 |
| Noninterest expense to average assets | 1.9795% | 5,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5700% | 4,525 |
| Return on assets (ROA) | 0.6507% | 4,239 |
| Pretax return on assets | 0.9252% | 3,896 |
| Return on Equity (ROE) | 4.6956% | 4,757 |
| Retained earnings to average equity (ytd only) | 2.7143% | 4,486 |
| Net charge-offs to loans | -0.1352% | 5,893 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9646% | 3,056 |
| Assets per employee ($millions) | 4.5647% | 2,896 |
| Cash dividends to net income (ytd only)* | 42.1944% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1333% | 726 |
| Loan loss allowance to noncurrent loans | 230.0613% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.3246% | 4,467 |
| Noncurrent loans to loans | 0.9273% | 2,654 |
| Net loans and leases to total assets | 34.2607% | 5,847 |
| Net loans and leases to deposits | 39.9893% | 5,865 |
| Net loans and leases to core deposits | 41.6608% | 5,861 |
| Total domestic deposits to total assets | 85.6747% | 2,703 |
| Equity capital to assets | 13.6342% | 1,161 |
| Core capital (leverage) ratio | 13.6648% | 955 |
| Tier 1 risk-based capital ratio | 31.5391% | 457 |
| Total risk-based capital ratio | 32.7937% | 452 |
| Memoranda: | ||
| Average total assets | $48,562,250 | 5,644 |
| Average earning assets | $46,537,000 | 5,583 |
| Average equity | $6,729,500 | 5,361 |
| Average total loans | $17,748,500 | 5,870 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2992% | 5,438 |
| Cost of funding earning assets | 0.5955% | 1,449 |
| Net interest margin | 2.7037% | 5,759 |
| Noninterest income to average assets | 0.2333% | 5,289 |
| Noninterest expense to average assets | 2.0161% | 5,498 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5533% | 4,547 |
| Return on assets (ROA) | 0.6165% | 4,385 |
| Pretax return on assets | 0.8998% | 3,957 |
| Return on Equity (ROE) | 4.4241% | 4,849 |
| Retained earnings to average equity (ytd only) | 1.4348% | 4,977 |
| Net charge-offs to loans | -0.2022% | 6,026 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3864% | 3,096 |
| Assets per employee ($millions) | 4.4423% | 3,077 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1148% | 840 |
| Loan loss allowance to noncurrent loans | 1,875.0000% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 5,699 |
| Noncurrent loans to loans | 0.1128% | 5,306 |
| Net loans and leases to total assets | 35.5203% | 5,841 |
| Net loans and leases to deposits | 41.3646% | 5,861 |
| Net loans and leases to core deposits | 43.1337% | 5,860 |
| Total domestic deposits to total assets | 85.8713% | 2,762 |
| Equity capital to assets | 13.6437% | 1,110 |
| Core capital (leverage) ratio | 14.0297% | 827 |
| Tier 1 risk-based capital ratio | 31.4741% | 478 |
| Total risk-based capital ratio | 32.7286% | 473 |
| Memoranda: | ||
| Average total assets | $48,012,330 | 5,721 |
| Average earning assets | $46,011,000 | 5,657 |
| Average equity | $6,690,670 | 5,416 |
| Average total loans | $17,805,330 | 5,933 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2810% | 5,487 |
| Cost of funding earning assets | 0.5965% | 1,461 |
| Net interest margin | 2.6844% | 5,825 |
| Noninterest income to average assets | 0.2270% | 5,331 |
| Noninterest expense to average assets | 2.1183% | 5,340 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5086% | 4,642 |
| Return on assets (ROA) | 0.5464% | 4,606 |
| Pretax return on assets | 0.7313% | 4,496 |
| Return on Equity (ROE) | 3.8791% | 5,028 |
| Retained earnings to average equity (ytd only) | -2.0888% | 5,698 |
| Net charge-offs to loans | -0.0897% | 5,812 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6757% | 2,556 |
| Assets per employee ($millions) | 4.3123% | 3,350 |
| Cash dividends to net income (ytd only)* | 153.8462% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0708% | 963 |
| Loan loss allowance to noncurrent loans | 2,005.5556% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 5,785 |
| Noncurrent loans to loans | 0.1033% | 5,387 |
| Net loans and leases to total assets | 35.9903% | 5,828 |
| Net loans and leases to deposits | 42.2240% | 5,823 |
| Net loans and leases to core deposits | 44.0966% | 5,840 |
| Total domestic deposits to total assets | 85.2366% | 3,292 |
| Equity capital to assets | 14.2152% | 918 |
| Core capital (leverage) ratio | 14.0588% | 805 |
| Tier 1 risk-based capital ratio | 31.8856% | 462 |
| Total risk-based capital ratio | 33.1388% | 457 |
| Memoranda: | ||
| Average total assets | $47,586,000 | 5,782 |
| Average earning assets | $45,596,000 | 5,719 |
| Average equity | $6,702,500 | 5,462 |
| Average total loans | $17,842,000 | 5,986 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3151% | 5,685 |
| Cost of funding earning assets | 0.6237% | 1,581 |
| Net interest margin | 2.6914% | 5,957 |
| Noninterest income to average assets | 0.2719% | 5,176 |
| Noninterest expense to average assets | 2.0761% | 5,622 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5289% | 4,685 |
| Return on assets (ROA) | 0.5417% | 4,719 |
| Pretax return on assets | 0.7826% | 4,320 |
| Return on Equity (ROE) | 4.1950% | 5,025 |
| Retained earnings to average equity (ytd only) | 2.5999% | 4,391 |
| Net charge-offs to loans | 0.4310% | 981 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.8182% | 3,558 |
| Efficiency ratio | 73.0964% | 3,012 |
| Assets per employee ($millions) | 4.3397% | 3,288 |
| Cash dividends to net income (ytd only)* | 38.0228% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9561% | 1,187 |
| Loan loss allowance to noncurrent loans | 1,552.1739% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 5,838 |
| Noncurrent loans to loans | 0.1260% | 5,398 |
| Net loans and leases to total assets | 37.4846% | 5,882 |
| Net loans and leases to deposits | 43.7068% | 5,890 |
| Net loans and leases to core deposits | 45.6154% | 5,911 |
| Total domestic deposits to total assets | 85.7637% | 2,960 |
| Equity capital to assets | 13.9556% | 966 |
| Core capital (leverage) ratio | 13.9485% | 826 |
| Tier 1 risk-based capital ratio | 30.1792% | 502 |
| Total risk-based capital ratio | 31.4358% | 499 |
| Memoranda: | ||
| Average total assets | $48,553,200 | 5,819 |
| Average earning assets | $46,333,000 | 5,766 |
| Average equity | $6,269,400 | 5,565 |
| Average total loans | $17,866,000 | 6,048 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2875% | 5,791 |
| Cost of funding earning assets | 0.6340% | 1,568 |
| Net interest margin | 2.6535% | 6,069 |
| Noninterest income to average assets | 0.2789% | 5,206 |
| Noninterest expense to average assets | 1.9497% | 5,856 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5852% | 4,508 |
| Return on assets (ROA) | 0.5852% | 4,593 |
| Pretax return on assets | 0.8587% | 4,150 |
| Return on Equity (ROE) | 4.6235% | 4,892 |
| Retained earnings to average equity (ytd only) | 2.4630% | 4,822 |
| Net charge-offs to loans | 0.5927% | 627 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.9747% | 3,556 |
| Efficiency ratio | 69.4255% | 3,605 |
| Assets per employee ($millions) | 4.4061% | 3,122 |
| Cash dividends to net income (ytd only)* | 46.7283% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0552% | 1,158 |
| Loan loss allowance to noncurrent loans | 193.9891% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 4,793 |
| Noncurrent loans to loans | 1.0595% | 2,958 |
| Net loans and leases to total assets | 34.9062% | 6,075 |
| Net loans and leases to deposits | 40.5416% | 6,099 |
| Net loans and leases to core deposits | 41.9937% | 6,116 |
| Total domestic deposits to total assets | 86.0998% | 2,802 |
| Equity capital to assets | 13.4710% | 1,194 |
| Core capital (leverage) ratio | 13.6870% | 935 |
| Tier 1 risk-based capital ratio | 30.3883% | 504 |
| Total risk-based capital ratio | 31.6446% | 499 |
| Memoranda: | ||
| Average total assets | $48,757,250 | 5,883 |
| Average earning assets | $46,478,000 | 5,829 |
| Average equity | $6,171,250 | 5,645 |
| Average total loans | $17,769,750 | 6,115 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2911% | 5,806 |
| Cost of funding earning assets | 0.6453% | 1,545 |
| Net interest margin | 2.6458% | 6,120 |
| Noninterest income to average assets | 0.2825% | 5,163 |
| Noninterest expense to average assets | 1.9446% | 5,923 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5854% | 4,429 |
| Return on assets (ROA) | 0.5854% | 4,523 |
| Pretax return on assets | 0.8556% | 4,056 |
| Return on Equity (ROE) | 4.7257% | 4,805 |
| Retained earnings to average equity (ytd only) | 1.4210% | 5,171 |
| Net charge-offs to loans | 0.9144% | 395 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.5488% | 3,524 |
| Efficiency ratio | 69.4444% | 3,750 |
| Assets per employee ($millions) | 4.3771% | 3,124 |
| Cash dividends to net income (ytd only)* | 69.9301% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0310% | 1,309 |
| Loan loss allowance to noncurrent loans | 2,514.2857% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 6,124 |
| Noncurrent loans to loans | 0.0808% | 5,778 |
| Net loans and leases to total assets | 35.2642% | 6,087 |
| Net loans and leases to deposits | 40.7522% | 6,121 |
| Net loans and leases to core deposits | 42.6437% | 6,124 |
| Total domestic deposits to total assets | 86.5332% | 2,740 |
| Equity capital to assets | 13.0971% | 1,323 |
| Core capital (leverage) ratio | 13.4309% | 999 |
| Tier 1 risk-based capital ratio | 29.8824% | 528 |
| Total risk-based capital ratio | 31.1356% | 522 |
| Memoranda: | ||
| Average total assets | $48,854,000 | 5,927 |
| Average earning assets | $46,488,670 | 5,876 |
| Average equity | $6,052,000 | 5,706 |
| Average total loans | $17,935,330 | 6,161 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2653% | 5,907 |
| Cost of funding earning assets | 0.6565% | 1,544 |
| Net interest margin | 2.6089% | 6,226 |
| Noninterest income to average assets | 0.2764% | 5,163 |
| Noninterest expense to average assets | 1.9184% | 6,036 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6015% | 4,193 |
| Return on assets (ROA) | 0.6015% | 4,270 |
| Pretax return on assets | 0.8454% | 3,922 |
| Return on Equity (ROE) | 4.9958% | 4,558 |
| Retained earnings to average equity (ytd only) | -1.7553% | 5,831 |
| Net charge-offs to loans | -0.0219% | 5,398 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4118% | 3,930 |
| Assets per employee ($millions) | 4.4318% | 3,085 |
| Cash dividends to net income (ytd only)* | 135.1351% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4250% | 882 |
| Loan loss allowance to noncurrent loans | 2,416.6667% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 6,184 |
| Noncurrent loans to loans | 0.1003% | 5,824 |
| Net loans and leases to total assets | 35.9036% | 6,074 |
| Net loans and leases to deposits | 41.1206% | 6,125 |
| Net loans and leases to core deposits | 43.2547% | 6,107 |
| Total domestic deposits to total assets | 87.3128% | 2,625 |
| Equity capital to assets | 12.3733% | 1,643 |
| Core capital (leverage) ratio | 12.9412% | 1,188 |
| Tier 1 risk-based capital ratio | 28.6935% | 596 |
| Total risk-based capital ratio | 29.9493% | 581 |
| Memoranda: | ||
| Average total assets | $49,207,000 | 5,984 |
| Average earning assets | $46,917,000 | 5,925 |
| Average equity | $5,925,000 | 5,765 |
| Average total loans | $18,237,500 | 6,208 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3912% | 5,854 |
| Cost of funding earning assets | 0.6774% | 1,979 |
| Net interest margin | 2.7139% | 6,122 |
| Noninterest income to average assets | 0.2983% | 5,217 |
| Noninterest expense to average assets | 2.0014% | 6,021 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5994% | 4,261 |
| Return on assets (ROA) | 0.6008% | 4,373 |
| Pretax return on assets | 0.8888% | 3,811 |
| Return on Equity (ROE) | 4.7239% | 4,761 |
| Retained earnings to average equity (ytd only) | 3.4208% | 3,798 |
| Net charge-offs to loans | -0.1563% | 6,572 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2970% | 3,956 |
| Assets per employee ($millions) | 4.5149% | 2,876 |
| Cash dividends to net income (ytd only)* | 27.5862% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3413% | 991 |
| Loan loss allowance to noncurrent loans | 2,066.6667% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 6,241 |
| Noncurrent loans to loans | 0.1133% | 5,863 |
| Net loans and leases to total assets | 36.4510% | 6,175 |
| Net loans and leases to deposits | 41.3783% | 6,254 |
| Net loans and leases to core deposits | 43.4573% | 6,249 |
| Total domestic deposits to total assets | 88.0920% | 2,124 |
| Equity capital to assets | 11.7147% | 2,016 |
| Core capital (leverage) ratio | 12.6846% | 1,262 |
| Tier 1 risk-based capital ratio | 27.8000% | 622 |
| Total risk-based capital ratio | 29.0586% | 606 |
| Memoranda: | ||
| Average total assets | $48,266,000 | 6,059 |
| Average earning assets | $46,060,000 | 5,990 |
| Average equity | $6,139,000 | 5,781 |
| Average total loans | $18,550,800 | 6,270 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3545% | 5,969 |
| Cost of funding earning assets | 0.6791% | 2,104 |
| Net interest margin | 2.6755% | 6,213 |
| Noninterest income to average assets | 0.3089% | 5,231 |
| Noninterest expense to average assets | 1.9311% | 6,137 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6270% | 4,230 |
| Return on assets (ROA) | 0.6289% | 4,347 |
| Pretax return on assets | 0.9349% | 3,741 |
| Return on Equity (ROE) | 4.8451% | 4,802 |
| Retained earnings to average equity (ytd only) | 3.1300% | 4,442 |
| Net charge-offs to loans | -0.0503% | 6,312 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4441% | 4,197 |
| Assets per employee ($millions) | 4.4511% | 2,955 |
| Cash dividends to net income (ytd only)* | 35.3964% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2372% | 1,271 |
| Loan loss allowance to noncurrent loans | 290.1408% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 5,398 |
| Noncurrent loans to loans | 0.7711% | 4,306 |
| Net loans and leases to total assets | 36.7714% | 6,239 |
| Net loans and leases to deposits | 42.1038% | 6,297 |
| Net loans and leases to core deposits | 44.2652% | 6,291 |
| Total domestic deposits to total assets | 87.3351% | 2,490 |
| Equity capital to assets | 12.2197% | 1,768 |
| Core capital (leverage) ratio | 12.9454% | 1,230 |
| Tier 1 risk-based capital ratio | 27.8380% | 642 |
| Total risk-based capital ratio | 29.0936% | 634 |
| Memoranda: | ||
| Average total assets | $47,916,500 | 6,142 |
| Average earning assets | $45,747,750 | 6,066 |
| Average equity | $6,219,250 | 5,832 |
| Average total loans | $18,554,250 | 6,335 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3662% | 5,979 |
| Cost of funding earning assets | 0.6820% | 2,210 |
| Net interest margin | 2.6842% | 6,202 |
| Noninterest income to average assets | 0.2985% | 5,318 |
| Noninterest expense to average assets | 1.9046% | 6,214 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6447% | 4,081 |
| Return on assets (ROA) | 0.6475% | 4,228 |
| Pretax return on assets | 0.9628% | 3,671 |
| Return on Equity (ROE) | 4.8904% | 4,782 |
| Retained earnings to average equity (ytd only) | 2.3500% | 4,793 |
| Net charge-offs to loans | -0.0538% | 6,293 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5198% | 4,444 |
| Assets per employee ($millions) | 4.4105% | 2,966 |
| Cash dividends to net income (ytd only)* | 51.9481% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2012% | 1,418 |
| Loan loss allowance to noncurrent loans | 2,733.3333% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.1958% | 5,905 |
| Noncurrent loans to loans | 0.0805% | 6,154 |
| Net loans and leases to total assets | 37.5464% | 6,206 |
| Net loans and leases to deposits | 43.0873% | 6,277 |
| Net loans and leases to core deposits | 45.0389% | 6,284 |
| Total domestic deposits to total assets | 87.1403% | 2,737 |
| Equity capital to assets | 12.4804% | 1,586 |
| Core capital (leverage) ratio | 13.3545% | 1,036 |
| Tier 1 risk-based capital ratio | 27.3988% | 666 |
| Total risk-based capital ratio | 28.6570% | 651 |
| Memoranda: | ||
| Average total assets | $47,568,000 | 6,197 |
| Average earning assets | $45,451,330 | 6,121 |
| Average equity | $6,298,000 | 5,857 |
| Average total loans | $18,600,330 | 6,370 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3346% | 6,080 |
| Cost of funding earning assets | 0.6829% | 2,366 |
| Net interest margin | 2.6517% | 6,293 |
| Noninterest income to average assets | 0.2803% | 5,454 |
| Noninterest expense to average assets | 1.8516% | 6,362 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6710% | 3,840 |
| Return on assets (ROA) | 0.6710% | 3,997 |
| Pretax return on assets | 0.9683% | 3,491 |
| Return on Equity (ROE) | 4.9225% | 4,617 |
| Retained earnings to average equity (ytd only) | -0.0623% | 5,787 |
| Net charge-offs to loans | -0.0430% | 6,070 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6627% | 4,717 |
| Assets per employee ($millions) | 4.2573% | 3,420 |
| Cash dividends to net income (ytd only)* | 101.2658% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2492% | 1,487 |
| Loan loss allowance to noncurrent loans | 387.6190% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.2242% | 5,893 |
| Noncurrent loans to loans | 0.5803% | 4,992 |
| Net loans and leases to total assets | 37.7707% | 6,163 |
| Net loans and leases to deposits | 43.9923% | 6,208 |
| Net loans and leases to core deposits | 45.7882% | 6,219 |
| Total domestic deposits to total assets | 85.8574% | 3,607 |
| Equity capital to assets | 13.6857% | 1,143 |
| Core capital (leverage) ratio | 13.5488% | 927 |
| Tier 1 risk-based capital ratio | 28.5669% | 606 |
| Total risk-based capital ratio | 29.8221% | 599 |
| Memoranda: | ||
| Average total assets | $47,094,000 | 6,264 |
| Average earning assets | $45,103,500 | 6,186 |
| Average equity | $6,419,500 | 5,882 |
| Average total loans | $18,587,500 | 6,423 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5233% | 6,333 |
| Cost of funding earning assets | 0.8093% | 2,592 |
| Net interest margin | 2.7140% | 6,503 |
| Noninterest income to average assets | 0.3474% | 4,985 |
| Noninterest expense to average assets | 2.0568% | 6,217 |
| Loan and lease loss provision to assets | 0.0424% | 5,325 |
| Net operating income to assets | 0.5684% | 4,385 |
| Return on assets (ROA) | 0.5698% | 4,638 |
| Pretax return on assets | 0.8431% | 4,142 |
| Return on Equity (ROE) | 4.2631% | 5,035 |
| Retained earnings to average equity (ytd only) | 3.3122% | 3,895 |
| Net charge-offs to loans | 0.1210% | 4,479 |
| Credit loss provision to net charge-offs | 86.9565% | 3,591 |
| Earnings coverage of net charge-offs (x) | 18.1304% | 1,458 |
| Efficiency ratio | 69.9568% | 3,827 |
| Assets per employee ($millions) | 4.3053% | 3,346 |
| Cash dividends to net income (ytd only)* | 22.3048% | 3,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1226% | 1,702 |
| Loan loss allowance to noncurrent loans | 397.0588% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 6,020 |
| Noncurrent loans to loans | 0.5346% | 5,189 |
| Net loans and leases to total assets | 39.4337% | 6,209 |
| Net loans and leases to deposits | 45.8057% | 6,262 |
| Net loans and leases to core deposits | 47.3408% | 6,309 |
| Total domestic deposits to total assets | 86.0889% | 3,307 |
| Equity capital to assets | 13.5774% | 1,202 |
| Core capital (leverage) ratio | 13.2754% | 1,025 |
| Tier 1 risk-based capital ratio | 27.4177% | 663 |
| Total risk-based capital ratio | 28.6742% | 647 |
| Memoranda: | ||
| Average total assets | $47,208,400 | 6,283 |
| Average earning assets | $45,099,400 | 6,203 |
| Average equity | $6,310,000 | 5,938 |
| Average total loans | $19,014,400 | 6,461 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5189% | 6,491 |
| Cost of funding earning assets | 0.8295% | 2,708 |
| Net interest margin | 2.6893% | 6,658 |
| Noninterest income to average assets | 0.3703% | 4,869 |
| Noninterest expense to average assets | 2.0294% | 6,306 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6058% | 4,367 |
| Return on assets (ROA) | 0.6077% | 4,614 |
| Pretax return on assets | 0.9186% | 4,035 |
| Return on Equity (ROE) | 4.5646% | 5,015 |
| Retained earnings to average equity (ytd only) | 3.2908% | 4,554 |
| Net charge-offs to loans | 0.1263% | 4,114 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 17.9996% | 1,594 |
| Efficiency ratio | 68.9060% | 3,895 |
| Assets per employee ($millions) | 4.3746% | 3,115 |
| Cash dividends to net income (ytd only)* | 27.9076% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9969% | 2,174 |
| Loan loss allowance to noncurrent loans | 382.3529% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 6,181 |
| Noncurrent loans to loans | 0.5223% | 5,399 |
| Net loans and leases to total assets | 39.7747% | 6,303 |
| Net loans and leases to deposits | 46.2140% | 6,369 |
| Net loans and leases to core deposits | 48.2164% | 6,400 |
| Total domestic deposits to total assets | 86.0664% | 3,214 |
| Equity capital to assets | 13.2811% | 1,454 |
| Core capital (leverage) ratio | 13.2265% | 1,096 |
| Tier 1 risk-based capital ratio | 26.5634% | 779 |
| Total risk-based capital ratio | 27.8166% | 762 |
| Memoranda: | ||
| Average total assets | $47,171,000 | 6,360 |
| Average earning assets | $45,165,000 | 6,272 |
| Average equity | $6,280,000 | 6,013 |
| Average total loans | $18,998,000 | 6,551 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5316% | 6,571 |
| Cost of funding earning assets | 0.8528% | 2,776 |
| Net interest margin | 2.6788% | 6,734 |
| Noninterest income to average assets | 0.3756% | 4,830 |
| Noninterest expense to average assets | 2.0062% | 6,419 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6161% | 4,304 |
| Return on assets (ROA) | 0.6189% | 4,533 |
| Pretax return on assets | 0.9348% | 3,941 |
| Return on Equity (ROE) | 4.6452% | 4,973 |
| Retained earnings to average equity (ytd only) | 2.7230% | 4,807 |
| Net charge-offs to loans | 0.0106% | 5,309 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 218.0000% | 199 |
| Efficiency ratio | 68.3140% | 4,064 |
| Assets per employee ($millions) | 4.3612% | 3,146 |
| Cash dividends to net income (ytd only)* | 41.3793% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1983% | 1,773 |
| Loan loss allowance to noncurrent loans | 330.8943% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.2564% | 6,133 |
| Noncurrent loans to loans | 0.6644% | 5,176 |
| Net loans and leases to total assets | 37.7441% | 6,504 |
| Net loans and leases to deposits | 43.7938% | 6,569 |
| Net loans and leases to core deposits | 45.2336% | 6,609 |
| Total domestic deposits to total assets | 86.1860% | 3,262 |
| Equity capital to assets | 13.2012% | 1,431 |
| Core capital (leverage) ratio | 13.4109% | 1,008 |
| Tier 1 risk-based capital ratio | 27.2751% | 701 |
| Total risk-based capital ratio | 28.5325% | 684 |
| Memoranda: | ||
| Average total assets | $46,854,330 | 6,412 |
| Average earning assets | $44,796,000 | 6,319 |
| Average equity | $6,243,000 | 6,053 |
| Average total loans | $18,820,670 | 6,608 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5638% | 6,619 |
| Cost of funding earning assets | 0.9045% | 2,652 |
| Net interest margin | 2.6593% | 6,823 |
| Noninterest income to average assets | 0.3715% | 4,891 |
| Noninterest expense to average assets | 2.0909% | 6,286 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5643% | 4,522 |
| Return on assets (ROA) | 0.5703% | 4,716 |
| Pretax return on assets | 0.8295% | 4,301 |
| Return on Equity (ROE) | 4.2594% | 5,158 |
| Retained earnings to average equity (ytd only) | 0.3872% | 5,871 |
| Net charge-offs to loans | -0.0211% | 6,201 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8101% | 3,479 |
| Assets per employee ($millions) | 4.2094% | 3,559 |
| Cash dividends to net income (ytd only)* | 90.9091% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1739% | 1,937 |
| Loan loss allowance to noncurrent loans | 322.0472% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 6,202 |
| Noncurrent loans to loans | 0.6750% | 5,305 |
| Net loans and leases to total assets | 39.7490% | 6,366 |
| Net loans and leases to deposits | 46.1371% | 6,419 |
| Net loans and leases to core deposits | 47.3672% | 6,492 |
| Total domestic deposits to total assets | 86.1542% | 3,441 |
| Equity capital to assets | 13.3469% | 1,295 |
| Core capital (leverage) ratio | 13.4571% | 969 |
| Tier 1 risk-based capital ratio | 27.2138% | 710 |
| Total risk-based capital ratio | 28.4711% | 695 |
| Memoranda: | ||
| Average total assets | $46,295,000 | 6,479 |
| Average earning assets | $44,222,000 | 6,390 |
| Average equity | $6,198,000 | 6,096 |
| Average total loans | $18,974,000 | 6,656 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9584% | 6,534 |
| Cost of funding earning assets | 1.0621% | 2,939 |
| Net interest margin | 2.8963% | 6,698 |
| Noninterest income to average assets | 0.3827% | 4,765 |
| Noninterest expense to average assets | 2.1006% | 6,493 |
| Loan and lease loss provision to assets | 0.0890% | 5,472 |
| Net operating income to assets | 0.6209% | 3,883 |
| Return on assets (ROA) | 0.6253% | 4,058 |
| Pretax return on assets | 0.9546% | 3,414 |
| Return on Equity (ROE) | 4.6365% | 4,556 |
| Retained earnings to average equity (ytd only) | 3.8115% | 3,503 |
| Net charge-offs to loans | 0.0881% | 5,451 |
| Credit loss provision to net charge-offs | 235.2941% | 1,036 |
| Earnings coverage of net charge-offs (x) | 27.4118% | 908 |
| Efficiency ratio | 66.9504% | 4,584 |
| Assets per employee ($millions) | 4.2079% | 3,453 |
| Cash dividends to net income (ytd only)* | 17.7936% | 3,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1323% | 1,923 |
| Loan loss allowance to noncurrent loans | 311.4504% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 6,255 |
| Noncurrent loans to loans | 0.6846% | 5,331 |
| Net loans and leases to total assets | 40.4563% | 6,513 |
| Net loans and leases to deposits | 46.9841% | 6,568 |
| Net loans and leases to core deposits | 48.2331% | 6,626 |
| Total domestic deposits to total assets | 86.1063% | 3,256 |
| Equity capital to assets | 13.4293% | 1,305 |
| Core capital (leverage) ratio | 13.1487% | 1,085 |
| Tier 1 risk-based capital ratio | 26.9144% | 717 |
| Total risk-based capital ratio | 28.1724% | 692 |
| Memoranda: | ||
| Average total assets | $44,939,800 | 6,513 |
| Average earning assets | $42,744,800 | 6,431 |
| Average equity | $6,060,600 | 6,140 |
| Average total loans | $19,303,000 | 6,692 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0101% | 6,567 |
| Cost of funding earning assets | 1.0882% | 3,057 |
| Net interest margin | 2.9219% | 6,722 |
| Noninterest income to average assets | 0.4006% | 4,663 |
| Noninterest expense to average assets | 2.0506% | 6,591 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7553% | 3,362 |
| Return on assets (ROA) | 0.7593% | 3,507 |
| Pretax return on assets | 1.1329% | 2,885 |
| Return on Equity (ROE) | 5.6239% | 4,223 |
| Retained earnings to average equity (ytd only) | 4.5168% | 3,505 |
| Net charge-offs to loans | -0.0138% | 6,834 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5343% | 4,976 |
| Assets per employee ($millions) | 4.2697% | 3,329 |
| Cash dividends to net income (ytd only)* | 19.6864% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9951% | 2,352 |
| Loan loss allowance to noncurrent loans | 261.4865% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 6,284 |
| Noncurrent loans to loans | 0.7630% | 5,346 |
| Net loans and leases to total assets | 40.4774% | 6,599 |
| Net loans and leases to deposits | 47.0511% | 6,685 |
| Net loans and leases to core deposits | 48.7799% | 6,725 |
| Total domestic deposits to total assets | 86.0285% | 3,205 |
| Equity capital to assets | 13.2348% | 1,497 |
| Core capital (leverage) ratio | 13.2227% | 1,140 |
| Tier 1 risk-based capital ratio | 26.4350% | 793 |
| Total risk-based capital ratio | 27.6888% | 768 |
| Memoranda: | ||
| Average total assets | $44,603,000 | 6,569 |
| Average earning assets | $42,391,750 | 6,502 |
| Average equity | $6,021,750 | 6,197 |
| Average total loans | $19,345,250 | 6,760 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1163% | 6,457 |
| Cost of funding earning assets | 1.1187% | 3,103 |
| Net interest margin | 2.9977% | 6,616 |
| Noninterest income to average assets | 0.3926% | 4,740 |
| Noninterest expense to average assets | 2.0860% | 6,626 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7471% | 3,308 |
| Return on assets (ROA) | 0.7532% | 3,401 |
| Pretax return on assets | 1.1412% | 2,692 |
| Return on Equity (ROE) | 5.5397% | 4,190 |
| Retained earnings to average equity (ytd only) | 3.8610% | 3,746 |
| Net charge-offs to loans | -0.0414% | 7,000 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8227% | 5,088 |
| Assets per employee ($millions) | 4.1650% | 3,419 |
| Cash dividends to net income (ytd only)* | 30.3030% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0335% | 2,276 |
| Loan loss allowance to noncurrent loans | 540.2778% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 6,700 |
| Noncurrent loans to loans | 0.3764% | 6,150 |
| Net loans and leases to total assets | 40.9058% | 6,676 |
| Net loans and leases to deposits | 47.5515% | 6,753 |
| Net loans and leases to core deposits | 48.8250% | 6,814 |
| Total domestic deposits to total assets | 86.0242% | 3,313 |
| Equity capital to assets | 13.3122% | 1,375 |
| Core capital (leverage) ratio | 13.8239% | 920 |
| Tier 1 risk-based capital ratio | 26.4272% | 771 |
| Total risk-based capital ratio | 27.6817% | 756 |
| Memoranda: | ||
| Average total assets | $43,815,000 | 6,652 |
| Average earning assets | $41,299,000 | 6,590 |
| Average equity | $5,957,000 | 6,242 |
| Average total loans | $19,327,670 | 6,824 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1628% | 6,366 |
| Cost of funding earning assets | 1.1497% | 3,161 |
| Net interest margin | 3.0131% | 6,548 |
| Noninterest income to average assets | 0.3830% | 4,850 |
| Noninterest expense to average assets | 2.0554% | 6,730 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7785% | 3,127 |
| Return on assets (ROA) | 0.7848% | 3,174 |
| Pretax return on assets | 1.1772% | 2,461 |
| Return on Equity (ROE) | 5.7085% | 4,061 |
| Retained earnings to average equity (ytd only) | 2.3106% | 4,768 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7681% | 5,399 |
| Assets per employee ($millions) | 3.9028% | 4,070 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0343% | 2,322 |
| Loan loss allowance to noncurrent loans | 2,961.5385% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 7,092 |
| Noncurrent loans to loans | 0.0687% | 6,864 |
| Net loans and leases to total assets | 43.1856% | 6,531 |
| Net loans and leases to deposits | 50.3380% | 6,600 |
| Net loans and leases to core deposits | 51.7834% | 6,690 |
| Total domestic deposits to total assets | 85.7912% | 3,640 |
| Equity capital to assets | 13.7407% | 1,086 |
| Core capital (leverage) ratio | 13.9289% | 870 |
| Tier 1 risk-based capital ratio | 27.0161% | 705 |
| Total risk-based capital ratio | 28.2704% | 688 |
| Memoranda: | ||
| Average total assets | $42,815,000 | 6,733 |
| Average earning assets | $40,357,000 | 6,672 |
| Average equity | $5,886,000 | 6,285 |
| Average total loans | $19,426,500 | 6,871 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6757% | 5,878 |
| Cost of funding earning assets | 1.4142% | 3,173 |
| Net interest margin | 3.2615% | 6,099 |
| Noninterest income to average assets | 0.3854% | 5,019 |
| Noninterest expense to average assets | 2.4263% | 6,024 |
| Loan and lease loss provision to assets | 0.0485% | 6,670 |
| Net operating income to assets | 0.6457% | 3,462 |
| Return on assets (ROA) | 0.6520% | 3,576 |
| Pretax return on assets | 1.0059% | 2,916 |
| Return on Equity (ROE) | 4.6328% | 4,238 |
| Retained earnings to average equity (ytd only) | 4.6328% | 2,647 |
| Net charge-offs to loans | 0.0704% | 6,098 |
| Credit loss provision to net charge-offs | 142.8571% | 2,618 |
| Earnings coverage of net charge-offs (x) | 30.7857% | 715 |
| Efficiency ratio | 69.9022% | 4,196 |
| Assets per employee ($millions) | 3.8817% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9320% | 2,467 |
| Loan loss allowance to noncurrent loans | 418.4783% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.2155% | 6,691 |
| Noncurrent loans to loans | 0.4617% | 6,122 |
| Net loans and leases to total assets | 45.7692% | 6,577 |
| Net loans and leases to deposits | 53.3190% | 6,656 |
| Net loans and leases to core deposits | 55.3219% | 6,734 |
| Total domestic deposits to total assets | 85.8404% | 3,437 |
| Equity capital to assets | 13.7544% | 1,113 |
| Core capital (leverage) ratio | 13.8107% | 892 |
| Tier 1 risk-based capital ratio | 25.9279% | 762 |
| Total risk-based capital ratio | 27.1827% | 740 |
| Memoranda: | ||
| Average total assets | $41,257,000 | 6,818 |
| Average earning assets | $39,031,600 | 6,758 |
| Average equity | $5,806,400 | 6,428 |
| Average total loans | $19,873,200 | 6,932 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7344% | 5,902 |
| Cost of funding earning assets | 1.4633% | 3,197 |
| Net interest margin | 3.2710% | 6,109 |
| Noninterest income to average assets | 0.3717% | 5,181 |
| Noninterest expense to average assets | 2.3832% | 6,084 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7088% | 3,371 |
| Return on assets (ROA) | 0.7172% | 3,489 |
| Pretax return on assets | 1.0987% | 2,829 |
| Return on Equity (ROE) | 5.0664% | 4,253 |
| Retained earnings to average equity (ytd only) | 5.0664% | 2,939 |
| Net charge-offs to loans | -0.0470% | 7,461 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7030% | 4,334 |
| Assets per employee ($millions) | 3.9164% | 4,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9032% | 2,476 |
| Loan loss allowance to noncurrent loans | 120.2492% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.7451% | 5,613 |
| Noncurrent loans to loans | 1.5827% | 4,267 |
| Net loans and leases to total assets | 46.1838% | 6,681 |
| Net loans and leases to deposits | 54.0403% | 6,768 |
| Net loans and leases to core deposits | 56.6999% | 6,818 |
| Total domestic deposits to total assets | 85.4619% | 3,372 |
| Equity capital to assets | 13.7581% | 1,256 |
| Core capital (leverage) ratio | 14.0638% | 908 |
| Tier 1 risk-based capital ratio | 25.3692% | 835 |
| Total risk-based capital ratio | 26.6247% | 814 |
| Memoranda: | ||
| Average total assets | $40,896,500 | 6,910 |
| Average earning assets | $38,723,000 | 6,845 |
| Average equity | $5,789,750 | 6,516 |
| Average total loans | $19,859,500 | 7,020 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7933% | 5,820 |
| Cost of funding earning assets | 1.5173% | 3,156 |
| Net interest margin | 3.2760% | 6,091 |
| Noninterest income to average assets | 0.3635% | 5,233 |
| Noninterest expense to average assets | 2.5293% | 5,607 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6340% | 3,714 |
| Return on assets (ROA) | 0.6373% | 3,836 |
| Pretax return on assets | 0.9460% | 3,326 |
| Return on Equity (ROE) | 4.4568% | 4,564 |
| Retained earnings to average equity (ytd only) | 4.4568% | 3,231 |
| Net charge-offs to loans | -0.0406% | 7,413 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8838% | 3,681 |
| Assets per employee ($millions) | 3.6414% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8902% | 2,439 |
| Loan loss allowance to noncurrent loans | 189.6040% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.5043% | 6,197 |
| Noncurrent loans to loans | 0.9969% | 5,314 |
| Net loans and leases to total assets | 49.6293% | 6,475 |
| Net loans and leases to deposits | 58.6782% | 6,527 |
| Net loans and leases to core deposits | 61.0534% | 6,637 |
| Total domestic deposits to total assets | 84.5787% | 3,832 |
| Equity capital to assets | 14.6399% | 964 |
| Core capital (leverage) ratio | 14.4706% | 823 |
| Tier 1 risk-based capital ratio | 25.8175% | 780 |
| Total risk-based capital ratio | 27.0751% | 770 |
| Memoranda: | ||
| Average total assets | $40,168,670 | 6,993 |
| Average earning assets | $38,094,670 | 6,924 |
| Average equity | $5,744,000 | 6,547 |
| Average total loans | $19,718,670 | 7,083 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7008% | 6,239 |
| Cost of funding earning assets | 1.5530% | 3,250 |
| Net interest margin | 3.1478% | 6,462 |
| Noninterest income to average assets | 0.3480% | 5,358 |
| Noninterest expense to average assets | 2.3965% | 6,102 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6364% | 3,723 |
| Return on assets (ROA) | 0.6364% | 3,847 |
| Pretax return on assets | 0.9546% | 3,250 |
| Return on Equity (ROE) | 4.5039% | 4,658 |
| Retained earnings to average equity (ytd only) | 4.5039% | 3,457 |
| Net charge-offs to loans | -0.0823% | 7,480 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5134% | 4,023 |
| Assets per employee ($millions) | 3.3348% | 5,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9133% | 2,402 |
| Loan loss allowance to noncurrent loans | 159.5833% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.5997% | 6,013 |
| Noncurrent loans to loans | 1.1989% | 4,962 |
| Net loans and leases to total assets | 49.0654% | 6,572 |
| Net loans and leases to deposits | 57.7025% | 6,637 |
| Net loans and leases to core deposits | 60.0734% | 6,743 |
| Total domestic deposits to total assets | 85.0317% | 3,661 |
| Equity capital to assets | 14.3086% | 1,064 |
| Core capital (leverage) ratio | 14.2303% | 909 |
| Tier 1 risk-based capital ratio | 25.7743% | 793 |
| Total risk-based capital ratio | 27.0303% | 777 |
| Memoranda: | ||
| Average total assets | $40,225,500 | 7,079 |
| Average earning assets | $38,376,500 | 7,005 |
| Average equity | $5,684,000 | 6,626 |
| Average total loans | $19,447,000 | 7,184 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0984% | 6,091 |
| Cost of funding earning assets | 1.8140% | 3,917 |
| Net interest margin | 3.2844% | 5,803 |
| Noninterest income to average assets | 0.4239% | 5,013 |
| Noninterest expense to average assets | 2.4707% | 6,236 |
| Loan and lease loss provision to assets | 0.1300% | 6,336 |
| Net operating income to assets | 0.6088% | 3,297 |
| Return on assets (ROA) | 0.6138% | 3,349 |
| Pretax return on assets | 0.9623% | 2,721 |
| Return on Equity (ROE) | 4.2561% | 3,981 |
| Retained earnings to average equity (ytd only) | 4.2561% | 2,244 |
| Net charge-offs to loans | 0.3299% | 4,581 |
| Credit loss provision to net charge-offs | 76.9231% | 6,359 |
| Earnings coverage of net charge-offs (x) | 6.4154% | 2,369 |
| Efficiency ratio | 69.4952% | 4,731 |
| Assets per employee ($millions) | 3.3694% | 5,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0078% | 2,002 |
| Loan loss allowance to noncurrent loans | 861.3636% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 7,216 |
| Noncurrent loans to loans | 0.2331% | 6,846 |
| Net loans and leases to total assets | 45.7473% | 7,004 |
| Net loans and leases to deposits | 53.5292% | 7,084 |
| Net loans and leases to core deposits | 66.6727% | 6,949 |
| Total domestic deposits to total assets | 85.4624% | 3,313 |
| Equity capital to assets | 13.9539% | 1,183 |
| Core capital (leverage) ratio | 14.1587% | 957 |
| Tier 1 risk-based capital ratio | 26.5897% | 722 |
| Total risk-based capital ratio | 27.8482% | 711 |
| Memoranda: | ||
| Average total assets | $38,450,400 | 7,152 |
| Average earning assets | $36,658,600 | 7,070 |
| Average equity | $5,545,000 | 6,758 |
| Average total loans | $19,705,600 | 7,212 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1209% | 6,199 |
| Cost of funding earning assets | 1.8491% | 4,162 |
| Net interest margin | 3.2718% | 5,745 |
| Noninterest income to average assets | 0.4532% | 4,877 |
| Noninterest expense to average assets | 2.3747% | 6,492 |
| Loan and lease loss provision to assets | 0.0878% | 6,488 |
| Net operating income to assets | 0.7169% | 3,149 |
| Return on assets (ROA) | 0.7237% | 3,193 |
| Pretax return on assets | 1.1276% | 2,480 |
| Return on Equity (ROE) | 4.9750% | 3,977 |
| Retained earnings to average equity (ytd only) | 4.9750% | 2,506 |
| Net charge-offs to loans | 0.0134% | 6,731 |
| Credit loss provision to net charge-offs | 1,250.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 171.2809% | 223 |
| Efficiency ratio | 66.3395% | 5,309 |
| Assets per employee ($millions) | 3.3106% | 5,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9138% | 1,999 |
| Loan loss allowance to noncurrent loans | 75.0000% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.3996% | 4,302 |
| Noncurrent loans to loans | 2.5517% | 2,961 |
| Net loans and leases to total assets | 53.7972% | 6,402 |
| Net loans and leases to deposits | 63.3038% | 6,559 |
| Net loans and leases to core deposits | 79.8058% | 6,373 |
| Total domestic deposits to total assets | 84.9825% | 3,245 |
| Equity capital to assets | 14.1566% | 1,252 |
| Core capital (leverage) ratio | 14.5074% | 954 |
| Tier 1 risk-based capital ratio | 24.4789% | 950 |
| Total risk-based capital ratio | 25.7357% | 929 |
| Memoranda: | ||
| Average total assets | $37,954,750 | 7,235 |
| Average earning assets | $36,269,000 | 7,149 |
| Average equity | $5,520,750 | 6,835 |
| Average total loans | $19,913,000 | 7,264 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1154% | 6,371 |
| Cost of funding earning assets | 1.9029% | 4,248 |
| Net interest margin | 3.2125% | 5,872 |
| Noninterest income to average assets | 0.4817% | 4,611 |
| Noninterest expense to average assets | 2.3713% | 6,552 |
| Loan and lease loss provision to assets | 0.1338% | 5,746 |
| Net operating income to assets | 0.6801% | 3,341 |
| Return on assets (ROA) | 0.6905% | 3,413 |
| Pretax return on assets | 1.0652% | 2,753 |
| Return on Equity (ROE) | 4.7026% | 4,213 |
| Retained earnings to average equity (ytd only) | 4.7026% | 2,685 |
| Net charge-offs to loans | 0.0311% | 6,027 |
| Credit loss provision to net charge-offs | 833.3333% | 566 |
| Earnings coverage of net charge-offs (x) | 73.6667% | 512 |
| Efficiency ratio | 66.7169% | 5,414 |
| Assets per employee ($millions) | 3.1836% | 5,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0370% | 1,501 |
| Loan loss allowance to noncurrent loans | 106.1224% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 1.0261% | 4,921 |
| Noncurrent loans to loans | 1.9195% | 3,644 |
| Net loans and leases to total assets | 52.3676% | 6,634 |
| Net loans and leases to deposits | 61.8538% | 6,738 |
| Net loans and leases to core deposits | 76.7248% | 6,627 |
| Total domestic deposits to total assets | 84.6635% | 3,411 |
| Equity capital to assets | 14.5460% | 1,151 |
| Core capital (leverage) ratio | 14.6911% | 979 |
| Tier 1 risk-based capital ratio | 25.0614% | 933 |
| Total risk-based capital ratio | 26.3206% | 913 |
| Memoranda: | ||
| Average total assets | $37,364,000 | 7,321 |
| Average earning assets | $35,735,330 | 7,232 |
| Average equity | $5,486,330 | 6,904 |
| Average total loans | $19,287,670 | 7,375 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3690% | 5,576 |
| Cost of funding earning assets | 1.9513% | 4,374 |
| Net interest margin | 3.4176% | 5,064 |
| Noninterest income to average assets | 0.3681% | 5,481 |
| Noninterest expense to average assets | 2.4902% | 5,874 |
| Loan and lease loss provision to assets | 0.2707% | 3,794 |
| Net operating income to assets | 0.5744% | 4,125 |
| Return on assets (ROA) | 0.5955% | 4,230 |
| Pretax return on assets | 0.9203% | 3,642 |
| Return on Equity (ROE) | 4.0360% | 4,913 |
| Retained earnings to average equity (ytd only) | 4.0360% | 3,655 |
| Net charge-offs to loans | -0.1709% | 7,993 |
| Credit loss provision to net charge-offs | -312.5000% | 6,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2493% | 4,915 |
| Assets per employee ($millions) | 3.1172% | 5,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2618% | 997 |
| Loan loss allowance to noncurrent loans | 101.1848% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 1.1282% | 4,424 |
| Noncurrent loans to loans | 2.2353% | 2,945 |
| Net loans and leases to total assets | 49.3290% | 6,917 |
| Net loans and leases to deposits | 58.3499% | 7,010 |
| Net loans and leases to core deposits | 72.6171% | 6,881 |
| Total domestic deposits to total assets | 84.5399% | 3,441 |
| Equity capital to assets | 14.6902% | 1,183 |
| Core capital (leverage) ratio | 14.7799% | 1,013 |
| Tier 1 risk-based capital ratio | 26.4401% | 850 |
| Total risk-based capital ratio | 27.6992% | 835 |
| Memoranda: | ||
| Average total assets | $36,944,500 | 7,383 |
| Average earning assets | $35,463,000 | 7,284 |
| Average equity | $5,451,000 | 6,964 |
| Average total loans | $18,720,500 | 7,454 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8994% | 6,038 |
| Cost of funding earning assets | 2.5299% | 4,047 |
| Net interest margin | 3.3694% | 5,785 |
| Noninterest income to average assets | 0.4371% | 5,151 |
| Noninterest expense to average assets | 2.5706% | 5,752 |
| Loan and lease loss provision to assets | 0.1366% | 5,612 |
| Net operating income to assets | 0.6055% | 4,279 |
| Return on assets (ROA) | 0.6474% | 3,966 |
| Pretax return on assets | 1.0189% | 3,319 |
| Return on Equity (ROE) | 4.4846% | 4,606 |
| Retained earnings to average equity (ytd only) | 4.4846% | 2,336 |
| Net charge-offs to loans | 0.1474% | 4,737 |
| Credit loss provision to net charge-offs | 200.0000% | 2,433 |
| Earnings coverage of net charge-offs (x) | 15.9600% | 1,888 |
| Efficiency ratio | 70.2239% | 4,307 |
| Assets per employee ($millions) | 3.0403% | 5,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1226% | 1,036 |
| Loan loss allowance to noncurrent loans | 1,036.8421% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 7,164 |
| Noncurrent loans to loans | 0.2047% | 6,775 |
| Net loans and leases to total assets | 49.7985% | 7,049 |
| Net loans and leases to deposits | 59.0426% | 7,146 |
| Net loans and leases to core deposits | 72.5327% | 7,040 |
| Total domestic deposits to total assets | 84.3434% | 3,156 |
| Equity capital to assets | 14.8206% | 1,210 |
| Core capital (leverage) ratio | 14.4887% | 1,144 |
| Tier 1 risk-based capital ratio | 26.2814% | 880 |
| Total risk-based capital ratio | 27.5408% | 860 |
| Memoranda: | ||
| Average total assets | $36,606,400 | 7,358 |
| Average earning assets | $35,020,800 | 7,285 |
| Average equity | $5,284,800 | 7,050 |
| Average total loans | $16,958,400 | 7,525 |