Home > Arlington State Bank > Performance and Condition Ratios
Arlington 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 | 3.1895% | 4,488 |
| Cost of funding earning assets | 0.3678% | 4,321 |
| Net interest margin | 2.8217% | 3,620 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.0780% | 3,456 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8092% | 2,840 |
| Return on assets (ROA) | 0.8092% | 2,820 |
| Pretax return on assets | 0.8836% | 3,005 |
| Return on Equity (ROE) | 37.2300% | 104 |
| Retained earnings to average equity (ytd only) | 6.3291% | 2,125 |
| Net charge-offs to loans | 0.0400% | 1,514 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 68.2500% | 1,108 |
| Efficiency ratio | 70.1639% | 1,854 |
| Assets per employee ($millions) | 6.1162% | 2,718 |
| Cash dividends to net income (ytd only)* | 83.0000% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8190% | 526 |
| Loan loss allowance to noncurrent loans | 34.5760% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 1.7544% | 190 |
| Noncurrent loans to loans | 5.2608% | 43 |
| Net loans and leases to total assets | 32.7400% | 4,240 |
| Net loans and leases to deposits | 34.3235% | 4,300 |
| Net loans and leases to core deposits | 35.2671% | 4,350 |
| Total domestic deposits to total assets | 95.3900% | 50 |
| Equity capital to assets | 3.5692% | 4,523 |
| Core capital (leverage) ratio | 10.0782% | 2,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2134% | 411 |
| Memoranda: | ||
| Average total assets | $61,789,200 | 4,192 |
| Average earning assets | $58,723,800 | 4,154 |
| Average equity | $1,343,000 | 4,513 |
| Average total loans | $19,976,600 | 4,292 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1579% | 4,499 |
| Cost of funding earning assets | 0.3104% | 4,350 |
| Net interest margin | 2.8475% | 3,648 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 1.9500% | 3,716 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0202% | 2,301 |
| Return on assets (ROA) | 1.0202% | 2,289 |
| Pretax return on assets | 1.0525% | 2,704 |
| Return on Equity (ROE) | 55.7800% | 60 |
| Retained earnings to average equity (ytd only) | 8.7082% | 1,765 |
| Net charge-offs to loans | 0.0067% | 2,192 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 489.0000% | 311 |
| Efficiency ratio | 64.9462% | 2,400 |
| Assets per employee ($millions) | 6.6726% | 2,201 |
| Cash dividends to net income (ytd only)* | 84.3882% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8725% | 502 |
| Loan loss allowance to noncurrent loans | 31.1111% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 2.0232% | 136 |
| Noncurrent loans to loans | 6.0187% | 35 |
| Net loans and leases to total assets | 32.9900% | 4,264 |
| Net loans and leases to deposits | 33.6419% | 4,336 |
| Net loans and leases to core deposits | 34.5484% | 4,344 |
| Total domestic deposits to total assets | 98.0500% | 38 |
| Equity capital to assets | 0.7677% | 4,582 |
| Core capital (leverage) ratio | 10.0595% | 2,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3046% | 416 |
| Memoranda: | ||
| Average total assets | $61,946,000 | 4,206 |
| Average earning assets | $58,856,500 | 4,171 |
| Average equity | $1,133,000 | 4,541 |
| Average total loans | $19,871,750 | 4,309 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1661% | 4,506 |
| Cost of funding earning assets | 0.2692% | 4,358 |
| Net interest margin | 2.8970% | 3,647 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 1.8921% | 3,837 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1666% | 1,925 |
| Return on assets (ROA) | 1.1666% | 1,920 |
| Pretax return on assets | 1.1953% | 2,370 |
| Return on Equity (ROE) | 53.8000% | 58 |
| Retained earnings to average equity (ytd only) | -2.0634% | 4,291 |
| Net charge-offs to loans | 0.0101% | 1,823 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 374.0000% | 381 |
| Efficiency ratio | 61.2836% | 2,812 |
| Assets per employee ($millions) | 6.7769% | 2,083 |
| Cash dividends to net income (ytd only)* | 103.8356% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8744% | 520 |
| Loan loss allowance to noncurrent loans | 27.7533% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 2.2331% | 118 |
| Noncurrent loans to loans | 6.7539% | 27 |
| Net loans and leases to total assets | 32.4400% | 4,272 |
| Net loans and leases to deposits | 33.6108% | 4,336 |
| Net loans and leases to core deposits | 34.5075% | 4,353 |
| Total domestic deposits to total assets | 96.5300% | 48 |
| Equity capital to assets | 2.1855% | 4,598 |
| Core capital (leverage) ratio | 9.5785% | 3,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8600% | 437 |
| Memoranda: | ||
| Average total assets | $62,577,000 | 4,224 |
| Average earning assets | $59,441,333 | 4,185 |
| Average equity | $1,357,000 | 4,569 |
| Average total loans | $19,766,667 | 4,330 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1192% | 4,521 |
| Cost of funding earning assets | 0.2599% | 4,277 |
| Net interest margin | 2.8593% | 3,851 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 1.8053% | 4,019 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4455% | 1,298 |
| Return on assets (ROA) | 1.4455% | 1,270 |
| Pretax return on assets | 1.4455% | 1,780 |
| Return on Equity (ROE) | 66.9100% | 48 |
| Retained earnings to average equity (ytd only) | -20.7451% | 4,599 |
| Net charge-offs to loans | 0.0204% | 1,268 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 229.0000% | 465 |
| Efficiency ratio | 55.5340% | 3,454 |
| Assets per employee ($millions) | 5.3357% | 3,376 |
| Cash dividends to net income (ytd only)* | 131.0044% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9342% | 497 |
| Loan loss allowance to noncurrent loans | 27.1357% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 2.1756% | 103 |
| Noncurrent loans to loans | 7.1279% | 30 |
| Net loans and leases to total assets | 29.9300% | 4,371 |
| Net loans and leases to deposits | 31.1085% | 4,425 |
| Net loans and leases to core deposits | 31.8928% | 4,427 |
| Total domestic deposits to total assets | 96.2200% | 45 |
| Equity capital to assets | 2.4208% | 4,619 |
| Core capital (leverage) ratio | 9.3040% | 3,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1544% | 429 |
| Memoranda: | ||
| Average total assets | $63,369,500 | 4,272 |
| Average earning assets | $60,015,000 | 4,233 |
| Average equity | $1,369,000 | 4,638 |
| Average total loans | $19,567,000 | 4,393 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8222% | 4,305 |
| Cost of funding earning assets | 0.1603% | 4,058 |
| Net interest margin | 2.6619% | 4,100 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 1.9095% | 3,808 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 0.6350% | 3,788 |
| Return on assets (ROA) | 0.6350% | 3,741 |
| Pretax return on assets | 0.6739% | 3,905 |
| Return on Equity (ROE) | 19.1000% | 561 |
| Retained earnings to average equity (ytd only) | 14.6041% | 323 |
| Net charge-offs to loans | 0.1055% | 706 |
| Credit loss provision to net charge-offs | 500.0000% | 676 |
| Earnings coverage of net charge-offs (x) | 27.5500% | 1,728 |
| Efficiency ratio | 69.8742% | 1,702 |
| Assets per employee ($millions) | 5.2259% | 3,492 |
| Cash dividends to net income (ytd only)* | 23.5294% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9346% | 490 |
| Loan loss allowance to noncurrent loans | 41.4208% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.4591% | 225 |
| Noncurrent loans to loans | 4.6705% | 61 |
| Net loans and leases to total assets | 30.6400% | 4,375 |
| Net loans and leases to deposits | 31.5613% | 4,440 |
| Net loans and leases to core deposits | 32.3587% | 4,446 |
| Total domestic deposits to total assets | 97.0700% | 48 |
| Equity capital to assets | 1.8944% | 4,650 |
| Core capital (leverage) ratio | 9.4058% | 3,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4385% | 394 |
| Memoranda: | ||
| Average total assets | $66,927,000 | 4,260 |
| Average earning assets | $59,883,000 | 4,261 |
| Average equity | $2,225,400 | 4,661 |
| Average total loans | $18,950,000 | 4,427 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7423% | 4,253 |
| Cost of funding earning assets | 0.1557% | 3,784 |
| Net interest margin | 2.5866% | 4,120 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 1.8946% | 3,766 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7786% | 3,329 |
| Return on assets (ROA) | 0.7786% | 3,280 |
| Pretax return on assets | 0.7786% | 3,635 |
| Return on Equity (ROE) | 21.3000% | 334 |
| Retained earnings to average equity (ytd only) | 15.9368% | 283 |
| Net charge-offs to loans | 0.1419% | 461 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 19.8500% | 1,717 |
| Efficiency ratio | 70.8731% | 1,657 |
| Assets per employee ($millions) | 5.9525% | 2,805 |
| Cash dividends to net income (ytd only)* | 25.1889% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4807% | 1,349 |
| Loan loss allowance to noncurrent loans | 20.1299% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 2.1167% | 117 |
| Noncurrent loans to loans | 7.3559% | 27 |
| Net loans and leases to total assets | 28.3500% | 4,453 |
| Net loans and leases to deposits | 28.7140% | 4,518 |
| Net loans and leases to core deposits | 28.8613% | 4,520 |
| Total domestic deposits to total assets | 98.7300% | 36 |
| Equity capital to assets | 0.2627% | 4,711 |
| Core capital (leverage) ratio | 8.8224% | 3,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2288% | 421 |
| Memoranda: | ||
| Average total assets | $67,981,000 | 4,279 |
| Average earning assets | $59,948,750 | 4,298 |
| Average equity | $2,484,750 | 4,685 |
| Average total loans | $18,789,750 | 4,461 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6612% | 4,199 |
| Cost of funding earning assets | 0.1629% | 3,403 |
| Net interest margin | 2.4983% | 4,090 |
| Noninterest income to average assets | 0.1366% | 4,330 |
| Noninterest expense to average assets | 1.9647% | 3,535 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3110% | 4,269 |
| Return on assets (ROA) | 0.3110% | 4,219 |
| Pretax return on assets | 0.3110% | 4,284 |
| Return on Equity (ROE) | 6.5732% | 3,430 |
| Retained earnings to average equity (ytd only) | 5.8974% | 2,363 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3346% | 571 |
| Assets per employee ($millions) | 5.5636% | 3,160 |
| Cash dividends to net income (ytd only)* | 10.2804% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5231% | 1,345 |
| Loan loss allowance to noncurrent loans | 21.1307% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 2.1194% | 120 |
| Noncurrent loans to loans | 7.2080% | 25 |
| Net loans and leases to total assets | 28.9562% | 4,493 |
| Net loans and leases to deposits | 29.9285% | 4,544 |
| Net loans and leases to core deposits | 30.0817% | 4,565 |
| Total domestic deposits to total assets | 96.7512% | 58 |
| Equity capital to assets | 2.2557% | 4,718 |
| Core capital (leverage) ratio | 8.3468% | 4,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1377% | 524 |
| Memoranda: | ||
| Average total assets | $68,815,333 | 4,318 |
| Average earning assets | $58,920,333 | 4,367 |
| Average equity | $3,255,667 | 4,674 |
| Average total loans | $18,772,333 | 4,523 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5573% | 4,187 |
| Cost of funding earning assets | 0.1768% | 3,127 |
| Net interest margin | 2.3804% | 4,107 |
| Noninterest income to average assets | 0.1260% | 4,377 |
| Noninterest expense to average assets | 1.9644% | 3,520 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1661% | 4,383 |
| Return on assets (ROA) | 0.1661% | 4,352 |
| Pretax return on assets | 0.1661% | 4,369 |
| Return on Equity (ROE) | 2.8084% | 4,139 |
| Retained earnings to average equity (ytd only) | 2.8084% | 3,333 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2043% | 455 |
| Assets per employee ($millions) | 5.9048% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6025% | 1,266 |
| Loan loss allowance to noncurrent loans | 58.5127% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 0.7212% | 777 |
| Noncurrent loans to loans | 2.7388% | 206 |
| Net loans and leases to total assets | 25.9096% | 4,565 |
| Net loans and leases to deposits | 27.2530% | 4,617 |
| Net loans and leases to core deposits | 27.5115% | 4,628 |
| Total domestic deposits to total assets | 95.0704% | 36 |
| Equity capital to assets | 3.9911% | 4,779 |
| Core capital (leverage) ratio | 8.1023% | 4,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0989% | 548 |
| Memoranda: | ||
| Average total assets | $69,841,500 | 4,330 |
| Average earning assets | $58,813,000 | 4,391 |
| Average equity | $4,130,500 | 4,645 |
| Average total loans | $18,343,000 | 4,548 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5800% | 4,425 |
| Cost of funding earning assets | 0.2294% | 3,141 |
| Net interest margin | 2.3506% | 4,367 |
| Noninterest income to average assets | 0.2975% | 3,620 |
| Noninterest expense to average assets | 1.9833% | 3,729 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2685% | 4,460 |
| Return on assets (ROA) | 0.2685% | 4,480 |
| Pretax return on assets | 0.2685% | 4,519 |
| Return on Equity (ROE) | 3.0846% | 4,347 |
| Retained earnings to average equity (ytd only) | -3.4351% | 4,668 |
| Net charge-offs to loans | 0.4084% | 203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 2.3158% | 2,586 |
| Efficiency ratio | 88.0759% | 386 |
| Assets per employee ($millions) | 5.2942% | 3,483 |
| Cash dividends to net income (ytd only)* | 211.3636% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6585% | 1,146 |
| Loan loss allowance to noncurrent loans | 32.8571% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.3222% | 344 |
| Noncurrent loans to loans | 5.0477% | 73 |
| Net loans and leases to total assets | 25.7595% | 4,631 |
| Net loans and leases to deposits | 28.2624% | 4,657 |
| Net loans and leases to core deposits | 28.5496% | 4,665 |
| Total domestic deposits to total assets | 91.1442% | 438 |
| Equity capital to assets | 7.8939% | 4,420 |
| Core capital (leverage) ratio | 8.4621% | 3,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1791% | 483 |
| Memoranda: | ||
| Average total assets | $65,546,800 | 4,384 |
| Average earning assets | $54,495,800 | 4,457 |
| Average equity | $5,705,800 | 4,558 |
| Average total loans | $18,608,800 | 4,590 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5727% | 4,519 |
| Cost of funding earning assets | 0.2411% | 3,201 |
| Net interest margin | 2.3316% | 4,460 |
| Noninterest income to average assets | 0.3255% | 3,476 |
| Noninterest expense to average assets | 1.9548% | 3,800 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3028% | 4,517 |
| Return on assets (ROA) | 0.3028% | 4,539 |
| Pretax return on assets | 0.3028% | 4,589 |
| Return on Equity (ROE) | 3.3944% | 4,400 |
| Retained earnings to average equity (ytd only) | -5.1725% | 4,785 |
| Net charge-offs to loans | 0.5403% | 146 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1.9342% | 2,366 |
| Efficiency ratio | 86.5876% | 415 |
| Assets per employee ($millions) | 5.0338% | 3,666 |
| Cash dividends to net income (ytd only)* | 252.3810% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6487% | 1,226 |
| Loan loss allowance to noncurrent loans | 21.3724% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 2.1379% | 164 |
| Noncurrent loans to loans | 7.7139% | 33 |
| Net loans and leases to total assets | 27.2574% | 4,672 |
| Net loans and leases to deposits | 30.1652% | 4,696 |
| Net loans and leases to core deposits | 30.4896% | 4,720 |
| Total domestic deposits to total assets | 90.3605% | 615 |
| Equity capital to assets | 8.5163% | 4,202 |
| Core capital (leverage) ratio | 8.1886% | 4,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3237% | 511 |
| Memoranda: | ||
| Average total assets | $64,727,250 | 4,454 |
| Average earning assets | $53,639,000 | 4,526 |
| Average equity | $5,774,000 | 4,617 |
| Average total loans | $18,754,000 | 4,655 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5441% | 4,587 |
| Cost of funding earning assets | 0.2620% | 3,168 |
| Net interest margin | 2.2821% | 4,533 |
| Noninterest income to average assets | 0.3846% | 3,195 |
| Noninterest expense to average assets | 1.9879% | 3,740 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2605% | 4,572 |
| Return on assets (ROA) | 0.2605% | 4,588 |
| Pretax return on assets | 0.2605% | 4,623 |
| Return on Equity (ROE) | 2.8762% | 4,497 |
| Retained earnings to average equity (ytd only) | -9.1423% | 4,859 |
| Net charge-offs to loans | 0.0105% | 1,760 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 820 |
| Efficiency ratio | 88.4138% | 386 |
| Assets per employee ($millions) | 4.9076% | 3,741 |
| Cash dividends to net income (ytd only)* | 417.8571% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0267% | 576 |
| Loan loss allowance to noncurrent loans | 25.3559% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 2.1468% | 187 |
| Noncurrent loans to loans | 7.9928% | 29 |
| Net loans and leases to total assets | 26.3150% | 4,741 |
| Net loans and leases to deposits | 29.0713% | 4,773 |
| Net loans and leases to core deposits | 29.3673% | 4,786 |
| Total domestic deposits to total assets | 90.5190% | 548 |
| Equity capital to assets | 8.2933% | 4,358 |
| Core capital (leverage) ratio | 8.3409% | 4,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3867% | 519 |
| Memoranda: | ||
| Average total assets | $64,490,000 | 4,485 |
| Average earning assets | $52,670,333 | 4,567 |
| Average equity | $5,841,000 | 4,638 |
| Average total loans | $18,960,000 | 4,686 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6572% | 4,519 |
| Cost of funding earning assets | 0.2839% | 3,158 |
| Net interest margin | 2.3734% | 4,442 |
| Noninterest income to average assets | 0.4232% | 2,971 |
| Noninterest expense to average assets | 1.9942% | 3,733 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3591% | 4,432 |
| Return on assets (ROA) | 0.3591% | 4,461 |
| Pretax return on assets | 0.3591% | 4,543 |
| Return on Equity (ROE) | 3.7886% | 4,324 |
| Retained earnings to average equity (ytd only) | -18.8753% | 4,910 |
| Net charge-offs to loans | 0.0208% | 1,320 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 854 |
| Efficiency ratio | 84.7411% | 560 |
| Assets per employee ($millions) | 4.6102% | 4,010 |
| Cash dividends to net income (ytd only)* | 598.2143% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9838% | 617 |
| Loan loss allowance to noncurrent loans | 25.4768% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 2.2745% | 197 |
| Noncurrent loans to loans | 7.7866% | 36 |
| Net loans and leases to total assets | 28.6305% | 4,735 |
| Net loans and leases to deposits | 31.8411% | 4,767 |
| Net loans and leases to core deposits | 32.0071% | 4,787 |
| Total domestic deposits to total assets | 89.9168% | 860 |
| Equity capital to assets | 8.7027% | 3,958 |
| Core capital (leverage) ratio | 8.8398% | 3,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6645% | 467 |
| Memoranda: | ||
| Average total assets | $62,382,000 | 4,525 |
| Average earning assets | $50,729,500 | 4,606 |
| Average equity | $5,912,500 | 4,646 |
| Average total loans | $19,213,000 | 4,710 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4693% | 4,078 |
| Cost of funding earning assets | 0.2983% | 4,155 |
| Net interest margin | 3.1711% | 3,435 |
| Noninterest income to average assets | 0.2629% | 3,903 |
| Noninterest expense to average assets | 2.1514% | 3,817 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7746% | 3,188 |
| Return on assets (ROA) | 0.7835% | 3,278 |
| Pretax return on assets | 0.7835% | 3,666 |
| Return on Equity (ROE) | 7.3214% | 3,065 |
| Retained earnings to average equity (ytd only) | -1.0625% | 4,643 |
| Net charge-offs to loans | 0.1406% | 1,150 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 15.0345% | 2,184 |
| Efficiency ratio | 73.5276% | 1,502 |
| Assets per employee ($millions) | 5.0184% | 3,372 |
| Cash dividends to net income (ytd only)* | 114.5125% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9159% | 698 |
| Loan loss allowance to noncurrent loans | 37.9555% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 1.6406% | 414 |
| Noncurrent loans to loans | 5.0478% | 87 |
| Net loans and leases to total assets | 31.8792% | 4,709 |
| Net loans and leases to deposits | 36.0512% | 4,745 |
| Net loans and leases to core deposits | 36.2555% | 4,772 |
| Total domestic deposits to total assets | 88.4276% | 1,263 |
| Equity capital to assets | 10.3087% | 2,822 |
| Core capital (leverage) ratio | 9.7566% | 2,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0436% | 436 |
| Memoranda: | ||
| Average total assets | $56,288,800 | 4,568 |
| Average earning assets | $47,271,200 | 4,634 |
| Average equity | $6,023,400 | 4,642 |
| Average total loans | $20,623,000 | 4,700 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5824% | 4,060 |
| Cost of funding earning assets | 0.2988% | 4,318 |
| Net interest margin | 3.2836% | 3,238 |
| Noninterest income to average assets | 0.2001% | 4,278 |
| Noninterest expense to average assets | 2.1842% | 3,718 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8245% | 3,003 |
| Return on assets (ROA) | 0.8365% | 3,087 |
| Pretax return on assets | 0.8365% | 3,553 |
| Return on Equity (ROE) | 7.7403% | 2,906 |
| Retained earnings to average equity (ytd only) | -3.5244% | 4,796 |
| Net charge-offs to loans | 0.1596% | 928 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 13.6800% | 2,186 |
| Efficiency ratio | 72.5962% | 1,565 |
| Assets per employee ($millions) | 4.9723% | 3,281 |
| Cash dividends to net income (ytd only)* | 145.5331% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7901% | 743 |
| Loan loss allowance to noncurrent loans | 24.6264% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 2.5793% | 201 |
| Noncurrent loans to loans | 7.2690% | 53 |
| Net loans and leases to total assets | 34.8478% | 4,716 |
| Net loans and leases to deposits | 39.3792% | 4,766 |
| Net loans and leases to core deposits | 39.3792% | 4,796 |
| Total domestic deposits to total assets | 88.4930% | 976 |
| Equity capital to assets | 10.2182% | 3,047 |
| Core capital (leverage) ratio | 9.6715% | 3,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7382% | 422 |
| Memoranda: | ||
| Average total assets | $55,305,750 | 4,599 |
| Average earning assets | $47,304,250 | 4,649 |
| Average equity | $5,977,250 | 4,666 |
| Average total loans | $20,885,500 | 4,725 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6559% | 4,162 |
| Cost of funding earning assets | 0.2893% | 4,516 |
| Net interest margin | 3.3666% | 3,204 |
| Noninterest income to average assets | 0.1783% | 4,397 |
| Noninterest expense to average assets | 2.2506% | 3,652 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9099% | 2,653 |
| Return on assets (ROA) | 0.9099% | 2,772 |
| Pretax return on assets | 0.9099% | 3,286 |
| Return on Equity (ROE) | 8.2529% | 2,646 |
| Retained earnings to average equity (ytd only) | -7.5118% | 4,863 |
| Net charge-offs to loans | 0.2405% | 653 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 9.8000% | 2,197 |
| Efficiency ratio | 71.2103% | 1,797 |
| Assets per employee ($millions) | 4.4836% | 3,808 |
| Cash dividends to net income (ytd only)* | 191.0204% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7760% | 695 |
| Loan loss allowance to noncurrent loans | 24.7066% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 2.6318% | 204 |
| Noncurrent loans to loans | 7.1884% | 59 |
| Net loans and leases to total assets | 35.9617% | 4,724 |
| Net loans and leases to deposits | 40.7905% | 4,776 |
| Net loans and leases to core deposits | 40.7905% | 4,814 |
| Total domestic deposits to total assets | 88.1620% | 1,103 |
| Equity capital to assets | 10.3574% | 2,877 |
| Core capital (leverage) ratio | 10.2915% | 2,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6759% | 529 |
| Memoranda: | ||
| Average total assets | $53,851,667 | 4,639 |
| Average earning assets | $47,704,000 | 4,658 |
| Average equity | $5,937,333 | 4,694 |
| Average total loans | $20,790,000 | 4,756 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7751% | 4,268 |
| Cost of funding earning assets | 0.2720% | 4,726 |
| Net interest margin | 3.5031% | 2,972 |
| Noninterest income to average assets | 0.1859% | 4,435 |
| Noninterest expense to average assets | 2.2853% | 3,801 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1930% | 1,539 |
| Return on assets (ROA) | 1.1930% | 1,653 |
| Pretax return on assets | 1.1930% | 2,226 |
| Return on Equity (ROE) | 10.4628% | 1,592 |
| Retained earnings to average equity (ytd only) | -16.7134% | 4,921 |
| Net charge-offs to loans | 0.3510% | 406 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 8.5556% | 1,861 |
| Efficiency ratio | 65.7016% | 3,007 |
| Assets per employee ($millions) | 4.3573% | 3,461 |
| Cash dividends to net income (ytd only)* | 259.7403% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9097% | 595 |
| Loan loss allowance to noncurrent loans | 60.2184% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.2259% | 994 |
| Noncurrent loans to loans | 3.1712% | 321 |
| Net loans and leases to total assets | 37.9196% | 4,728 |
| Net loans and leases to deposits | 43.6458% | 4,769 |
| Net loans and leases to core deposits | 43.6458% | 4,814 |
| Total domestic deposits to total assets | 86.8801% | 1,609 |
| Equity capital to assets | 11.2628% | 2,627 |
| Core capital (leverage) ratio | 11.3247% | 2,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9159% | 446 |
| Memoranda: | ||
| Average total assets | $51,634,000 | 4,684 |
| Average earning assets | $48,528,000 | 4,664 |
| Average equity | $5,887,500 | 4,736 |
| Average total loans | $20,515,000 | 4,796 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8945% | 4,445 |
| Cost of funding earning assets | 0.2876% | 4,759 |
| Net interest margin | 3.6069% | 3,115 |
| Noninterest income to average assets | 0.5762% | 2,333 |
| Noninterest expense to average assets | 2.5018% | 3,448 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4443% | 1,206 |
| Return on assets (ROA) | 1.4443% | 1,273 |
| Pretax return on assets | 1.4443% | 2,000 |
| Return on Equity (ROE) | 13.3302% | 1,065 |
| Retained earnings to average equity (ytd only) | 2.9801% | 3,542 |
| Net charge-offs to loans | -0.2777% | 5,084 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4003% | 3,163 |
| Assets per employee ($millions) | 3.6415% | 4,337 |
| Cash dividends to net income (ytd only)* | 77.6439% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9407% | 510 |
| Loan loss allowance to noncurrent loans | 357.5221% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.2217% | 3,567 |
| Noncurrent loans to loans | 0.5428% | 2,544 |
| Net loans and leases to total assets | 40.0404% | 4,729 |
| Net loans and leases to deposits | 45.9535% | 4,787 |
| Net loans and leases to core deposits | 45.9535% | 4,836 |
| Total domestic deposits to total assets | 87.1325% | 1,546 |
| Equity capital to assets | 11.5455% | 2,489 |
| Core capital (leverage) ratio | 11.7061% | 1,956 |
| Tier 1 risk-based capital ratio | 23.9080% | 836 |
| Total risk-based capital ratio | 25.1589% | 821 |
| Memoranda: | ||
| Average total assets | $51,722,000 | 4,725 |
| Average earning assets | $48,324,200 | 4,703 |
| Average equity | $5,603,800 | 4,811 |
| Average total loans | $21,604,000 | 4,825 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9333% | 4,486 |
| Cost of funding earning assets | 0.2890% | 4,820 |
| Net interest margin | 3.6443% | 3,114 |
| Noninterest income to average assets | 0.6756% | 1,887 |
| Noninterest expense to average assets | 2.4402% | 3,587 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6362% | 850 |
| Return on assets (ROA) | 1.6362% | 896 |
| Pretax return on assets | 1.6362% | 1,509 |
| Return on Equity (ROE) | 15.3492% | 707 |
| Retained earnings to average equity (ytd only) | 3.2771% | 3,772 |
| Net charge-offs to loans | -0.4465% | 5,182 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8614% | 3,676 |
| Assets per employee ($millions) | 3.8895% | 4,041 |
| Cash dividends to net income (ytd only)* | 78.6497% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9862% | 480 |
| Loan loss allowance to noncurrent loans | 177.4468% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.4648% | 2,667 |
| Noncurrent loans to loans | 1.1193% | 1,418 |
| Net loans and leases to total assets | 40.6977% | 4,792 |
| Net loans and leases to deposits | 46.8683% | 4,848 |
| Net loans and leases to core deposits | 46.8683% | 4,900 |
| Total domestic deposits to total assets | 86.8342% | 1,601 |
| Equity capital to assets | 11.6607% | 2,549 |
| Core capital (leverage) ratio | 11.4798% | 2,236 |
| Tier 1 risk-based capital ratio | 23.4231% | 907 |
| Total risk-based capital ratio | 24.6751% | 886 |
| Memoranda: | ||
| Average total assets | $51,907,250 | 4,788 |
| Average earning assets | $48,439,500 | 4,769 |
| Average equity | $5,533,250 | 4,886 |
| Average total loans | $21,800,750 | 4,897 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8884% | 4,571 |
| Cost of funding earning assets | 0.2877% | 4,853 |
| Net interest margin | 3.6007% | 3,252 |
| Noninterest income to average assets | 0.4584% | 2,920 |
| Noninterest expense to average assets | 2.4716% | 3,569 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3332% | 1,644 |
| Return on assets (ROA) | 1.3332% | 1,708 |
| Pretax return on assets | 1.3332% | 2,431 |
| Return on Equity (ROE) | 12.8965% | 1,276 |
| Retained earnings to average equity (ytd only) | -1.4781% | 4,875 |
| Net charge-offs to loans | -0.3625% | 5,201 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9598% | 2,985 |
| Assets per employee ($millions) | 3.9347% | 3,961 |
| Cash dividends to net income (ytd only)* | 111.4613% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7007% | 814 |
| Loan loss allowance to noncurrent loans | 32.8205% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 3.5190% | 143 |
| Noncurrent loans to loans | 5.1818% | 97 |
| Net loans and leases to total assets | 43.3911% | 4,743 |
| Net loans and leases to deposits | 49.7590% | 4,812 |
| Net loans and leases to core deposits | 49.7590% | 4,870 |
| Total domestic deposits to total assets | 87.2026% | 1,497 |
| Equity capital to assets | 11.1630% | 2,897 |
| Core capital (leverage) ratio | 11.2125% | 2,411 |
| Tier 1 risk-based capital ratio | 20.7780% | 1,203 |
| Total risk-based capital ratio | 22.0275% | 1,185 |
| Memoranda: | ||
| Average total assets | $52,355,330 | 4,814 |
| Average earning assets | $48,657,670 | 4,795 |
| Average equity | $5,412,330 | 4,934 |
| Average total loans | $22,069,330 | 4,935 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8904% | 4,568 |
| Cost of funding earning assets | 0.2849% | 4,885 |
| Net interest margin | 3.6055% | 3,235 |
| Noninterest income to average assets | 0.2342% | 4,335 |
| Noninterest expense to average assets | 2.4548% | 3,621 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1254% | 2,367 |
| Return on assets (ROA) | 1.1254% | 2,416 |
| Pretax return on assets | 1.1254% | 3,068 |
| Return on Equity (ROE) | 11.3233% | 1,815 |
| Retained earnings to average equity (ytd only) | -11.4753% | 5,147 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5654% | 2,554 |
| Assets per employee ($millions) | 3.9803% | 3,955 |
| Cash dividends to net income (ytd only)* | 201.3423% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 1,228 |
| Loan loss allowance to noncurrent loans | 116.6102% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 2.3114% | 364 |
| Noncurrent loans to loans | 1.3151% | 1,242 |
| Net loans and leases to total assets | 42.6871% | 4,806 |
| Net loans and leases to deposits | 48.5888% | 4,866 |
| Net loans and leases to core deposits | 48.5888% | 4,925 |
| Total domestic deposits to total assets | 87.8537% | 1,413 |
| Equity capital to assets | 10.3626% | 3,462 |
| Core capital (leverage) ratio | 10.8417% | 2,724 |
| Tier 1 risk-based capital ratio | 20.1982% | 1,309 |
| Total risk-based capital ratio | 21.4334% | 1,274 |
| Memoranda: | ||
| Average total assets | $52,957,500 | 4,853 |
| Average earning assets | $49,146,500 | 4,838 |
| Average equity | $5,263,500 | 4,996 |
| Average total loans | $21,814,500 | 5,000 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7244% | 4,632 |
| Cost of funding earning assets | 0.2974% | 4,585 |
| Net interest margin | 3.4270% | 3,918 |
| Noninterest income to average assets | 0.2703% | 4,298 |
| Noninterest expense to average assets | 2.4740% | 3,689 |
| Loan and lease loss provision to assets | 0.0657% | 2,837 |
| Net operating income to assets | 0.9536% | 3,208 |
| Return on assets (ROA) | 0.9536% | 3,213 |
| Pretax return on assets | 0.9536% | 3,750 |
| Return on Equity (ROE) | 10.1869% | 2,449 |
| Retained earnings to average equity (ytd only) | 0.8422% | 4,763 |
| Net charge-offs to loans | 0.3647% | 527 |
| Credit loss provision to net charge-offs | 42.6829% | 3,260 |
| Earnings coverage of net charge-offs (x) | 6.6220% | 3,069 |
| Efficiency ratio | 70.8221% | 2,068 |
| Assets per employee ($millions) | 4.1670% | 3,659 |
| Cash dividends to net income (ytd only)* | 91.7323% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6229% | 978 |
| Loan loss allowance to noncurrent loans | 208.4848% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 1.9678% | 490 |
| Noncurrent loans to loans | 0.7784% | 2,061 |
| Net loans and leases to total assets | 38.4948% | 4,995 |
| Net loans and leases to deposits | 43.1686% | 5,046 |
| Net loans and leases to core deposits | 43.1686% | 5,098 |
| Total domestic deposits to total assets | 89.1732% | 792 |
| Equity capital to assets | 9.5346% | 4,098 |
| Core capital (leverage) ratio | 10.9388% | 2,584 |
| Tier 1 risk-based capital ratio | 21.5925% | 1,081 |
| Total risk-based capital ratio | 22.8411% | 1,060 |
| Memoranda: | ||
| Average total assets | $53,273,200 | 4,885 |
| Average earning assets | $50,102,000 | 4,853 |
| Average equity | $4,986,800 | 5,052 |
| Average total loans | $22,483,600 | 5,017 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6735% | 4,696 |
| Cost of funding earning assets | 0.2981% | 4,535 |
| Net interest margin | 3.3754% | 4,081 |
| Noninterest income to average assets | 0.2538% | 4,455 |
| Noninterest expense to average assets | 2.3475% | 3,982 |
| Loan and lease loss provision to assets | 0.0880% | 2,215 |
| Net operating income to assets | 1.0053% | 3,059 |
| Return on assets (ROA) | 1.0053% | 3,073 |
| Pretax return on assets | 1.0053% | 3,705 |
| Return on Equity (ROE) | 10.7910% | 2,265 |
| Retained earnings to average equity (ytd only) | -0.4316% | 5,092 |
| Net charge-offs to loans | 0.2631% | 632 |
| Credit loss provision to net charge-offs | 77.7778% | 2,546 |
| Earnings coverage of net charge-offs (x) | 9.6665% | 2,631 |
| Efficiency ratio | 68.2250% | 2,499 |
| Assets per employee ($millions) | 4.0790% | 3,769 |
| Cash dividends to net income (ytd only)* | 103.9995% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7193% | 837 |
| Loan loss allowance to noncurrent loans | 28.6251% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 2.5100% | 345 |
| Noncurrent loans to loans | 6.0063% | 81 |
| Net loans and leases to total assets | 41.0715% | 4,993 |
| Net loans and leases to deposits | 45.9754% | 5,052 |
| Net loans and leases to core deposits | 45.9754% | 5,111 |
| Total domestic deposits to total assets | 89.3337% | 726 |
| Equity capital to assets | 9.1821% | 4,384 |
| Core capital (leverage) ratio | 10.7828% | 2,813 |
| Tier 1 risk-based capital ratio | 21.4246% | 1,126 |
| Total risk-based capital ratio | 22.6760% | 1,111 |
| Memoranda: | ||
| Average total assets | $53,048,750 | 4,944 |
| Average earning assets | $50,087,000 | 4,906 |
| Average equity | $4,942,250 | 5,118 |
| Average total loans | $22,805,250 | 5,068 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6120% | 4,747 |
| Cost of funding earning assets | 0.2997% | 4,418 |
| Net interest margin | 3.3123% | 4,216 |
| Noninterest income to average assets | 0.1998% | 4,819 |
| Noninterest expense to average assets | 2.4578% | 3,752 |
| Loan and lease loss provision to assets | 0.1319% | 1,501 |
| Net operating income to assets | 0.7351% | 4,086 |
| Return on assets (ROA) | 0.7351% | 4,081 |
| Pretax return on assets | 0.7351% | 4,421 |
| Return on Equity (ROE) | 7.8523% | 3,566 |
| Retained earnings to average equity (ytd only) | -6.3221% | 5,340 |
| Net charge-offs to loans | 0.3910% | 403 |
| Credit loss provision to net charge-offs | 77.7778% | 2,280 |
| Earnings coverage of net charge-offs (x) | 5.1111% | 2,739 |
| Efficiency ratio | 73.9229% | 1,714 |
| Assets per employee ($millions) | 4.0088% | 3,881 |
| Cash dividends to net income (ytd only)* | 180.5128% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6351% | 1,016 |
| Loan loss allowance to noncurrent loans | 28.6251% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 2.5540% | 338 |
| Noncurrent loans to loans | 5.7120% | 99 |
| Net loans and leases to total assets | 43.9816% | 4,901 |
| Net loans and leases to deposits | 49.3838% | 4,996 |
| Net loans and leases to core deposits | 49.3838% | 5,056 |
| Total domestic deposits to total assets | 89.0607% | 910 |
| Equity capital to assets | 9.2795% | 4,304 |
| Core capital (leverage) ratio | 10.6957% | 2,813 |
| Tier 1 risk-based capital ratio | 20.0158% | 1,315 |
| Total risk-based capital ratio | 21.2645% | 1,288 |
| Memoranda: | ||
| Average total assets | $53,056,000 | 5,001 |
| Average earning assets | $50,055,330 | 4,964 |
| Average equity | $4,966,670 | 5,170 |
| Average total loans | $23,020,330 | 5,121 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5881% | 4,728 |
| Cost of funding earning assets | 0.3010% | 4,346 |
| Net interest margin | 3.2871% | 4,227 |
| Noninterest income to average assets | 0.2317% | 4,624 |
| Noninterest expense to average assets | 2.4661% | 3,752 |
| Loan and lease loss provision to assets | 0.2616% | 546 |
| Net operating income to assets | 0.6053% | 4,411 |
| Return on assets (ROA) | 0.6053% | 4,417 |
| Pretax return on assets | 0.6053% | 4,670 |
| Return on Equity (ROE) | 6.4388% | 4,009 |
| Retained earnings to average equity (ytd only) | -17.4086% | 5,479 |
| Net charge-offs to loans | 0.5944% | 253 |
| Credit loss provision to net charge-offs | 102.9412% | 1,515 |
| Earnings coverage of net charge-offs (x) | 3.4118% | 2,393 |
| Efficiency ratio | 73.9910% | 1,901 |
| Assets per employee ($millions) | 3.7914% | 4,298 |
| Cash dividends to net income (ytd only)* | 370.3704% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7009% | 944 |
| Loan loss allowance to noncurrent loans | 37.1917% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 1.9857% | 577 |
| Noncurrent loans to loans | 4.5735% | 185 |
| Net loans and leases to total assets | 42.6790% | 4,951 |
| Net loans and leases to deposits | 47.8690% | 5,043 |
| Net loans and leases to core deposits | 47.8690% | 5,103 |
| Total domestic deposits to total assets | 89.1579% | 1,022 |
| Equity capital to assets | 9.0505% | 4,504 |
| Core capital (leverage) ratio | 10.3675% | 3,098 |
| Tier 1 risk-based capital ratio | 20.0473% | 1,333 |
| Total risk-based capital ratio | 21.2977% | 1,302 |
| Memoranda: | ||
| Average total assets | $53,526,500 | 5,047 |
| Average earning assets | $50,500,000 | 5,019 |
| Average equity | $5,032,000 | 5,214 |
| Average total loans | $22,879,500 | 5,183 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5783% | 4,617 |
| Cost of funding earning assets | 0.3111% | 4,029 |
| Net interest margin | 3.2673% | 4,262 |
| Noninterest income to average assets | 0.2616% | 4,571 |
| Noninterest expense to average assets | 2.1874% | 4,554 |
| Loan and lease loss provision to assets | 0.3848% | 388 |
| Net operating income to assets | 0.7355% | 3,448 |
| Return on assets (ROA) | 0.7317% | 3,506 |
| Pretax return on assets | 0.7317% | 4,437 |
| Return on Equity (ROE) | 7.1476% | 3,201 |
| Retained earnings to average equity (ytd only) | -1.6295% | 5,244 |
| Net charge-offs to loans | 0.8745% | 226 |
| Credit loss provision to net charge-offs | 104.6392% | 2,456 |
| Earnings coverage of net charge-offs (x) | 3.0464% | 3,658 |
| Efficiency ratio | 66.1318% | 3,245 |
| Assets per employee ($millions) | 3.8552% | 4,193 |
| Cash dividends to net income (ytd only)* | 122.7979% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7215% | 905 |
| Loan loss allowance to noncurrent loans | 53.1973% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 1.3618% | 1,047 |
| Noncurrent loans to loans | 3.2360% | 327 |
| Net loans and leases to total assets | 41.3577% | 5,087 |
| Net loans and leases to deposits | 46.5187% | 5,177 |
| Net loans and leases to core deposits | 46.5187% | 5,227 |
| Total domestic deposits to total assets | 88.9056% | 1,044 |
| Equity capital to assets | 9.7456% | 3,972 |
| Core capital (leverage) ratio | 10.7501% | 2,593 |
| Tier 1 risk-based capital ratio | 20.9699% | 1,151 |
| Total risk-based capital ratio | 22.2206% | 1,129 |
| Memoranda: | ||
| Average total assets | $52,756,200 | 5,105 |
| Average earning assets | $49,185,000 | 5,082 |
| Average equity | $5,400,400 | 5,203 |
| Average total loans | $22,184,400 | 5,248 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6494% | 4,445 |
| Cost of funding earning assets | 0.3146% | 3,991 |
| Net interest margin | 3.3348% | 4,067 |
| Noninterest income to average assets | 0.2542% | 4,685 |
| Noninterest expense to average assets | 2.2039% | 4,517 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1490% | 1,886 |
| Return on assets (ROA) | 1.1439% | 1,950 |
| Pretax return on assets | 1.1439% | 3,139 |
| Return on Equity (ROE) | 11.0384% | 1,685 |
| Retained earnings to average equity (ytd only) | -0.5887% | 5,305 |
| Net charge-offs to loans | 0.0060% | 3,518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 453.1203% | 216 |
| Efficiency ratio | 65.7316% | 3,261 |
| Assets per employee ($millions) | 3.8323% | 4,259 |
| Cash dividends to net income (ytd only)* | 105.3318% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7206% | 989 |
| Loan loss allowance to noncurrent loans | 166.3755% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.4268% | 3,313 |
| Noncurrent loans to loans | 1.0342% | 1,871 |
| Net loans and leases to total assets | 40.5614% | 5,173 |
| Net loans and leases to deposits | 46.0484% | 5,254 |
| Net loans and leases to core deposits | 46.0484% | 5,309 |
| Total domestic deposits to total assets | 88.0843% | 1,325 |
| Equity capital to assets | 10.3910% | 3,487 |
| Core capital (leverage) ratio | 10.9535% | 2,503 |
| Tier 1 risk-based capital ratio | 21.4693% | 1,120 |
| Total risk-based capital ratio | 22.7209% | 1,100 |
| Memoranda: | ||
| Average total assets | $52,452,000 | 5,169 |
| Average earning assets | $48,737,750 | 5,145 |
| Average equity | $5,435,500 | 5,255 |
| Average total loans | $22,052,250 | 5,307 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6650% | 4,329 |
| Cost of funding earning assets | 0.3154% | 3,925 |
| Net interest margin | 3.3495% | 3,951 |
| Noninterest income to average assets | 0.2459% | 4,767 |
| Noninterest expense to average assets | 2.2554% | 4,451 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0912% | 2,019 |
| Return on assets (ROA) | 1.0835% | 2,112 |
| Pretax return on assets | 1.0835% | 3,248 |
| Return on Equity (ROE) | 10.4658% | 1,849 |
| Retained earnings to average equity (ytd only) | -4.3793% | 5,506 |
| Net charge-offs to loans | 0.0091% | 3,138 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 284.0000% | 300 |
| Efficiency ratio | 67.3938% | 3,116 |
| Assets per employee ($millions) | 3.7574% | 4,347 |
| Cash dividends to net income (ytd only)* | 141.8440% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7213% | 1,016 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 41.3532% | 5,175 |
| Net loans and leases to deposits | 47.1028% | 5,242 |
| Net loans and leases to core deposits | 47.1028% | 5,310 |
| Total domestic deposits to total assets | 87.7935% | 1,567 |
| Equity capital to assets | 10.5032% | 3,341 |
| Core capital (leverage) ratio | 10.8936% | 2,516 |
| Tier 1 risk-based capital ratio | 20.8968% | 1,207 |
| Total risk-based capital ratio | 22.1461% | 1,176 |
| Memoranda: | ||
| Average total assets | $52,052,000 | 5,214 |
| Average earning assets | $48,186,000 | 5,194 |
| Average equity | $5,389,000 | 5,296 |
| Average total loans | $22,022,000 | 5,353 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6709% | 4,200 |
| Cost of funding earning assets | 0.3170% | 3,882 |
| Net interest margin | 3.3539% | 3,826 |
| Noninterest income to average assets | 0.1931% | 5,115 |
| Noninterest expense to average assets | 2.2327% | 4,570 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0661% | 2,004 |
| Return on assets (ROA) | 1.0507% | 2,116 |
| Pretax return on assets | 1.0507% | 3,169 |
| Return on Equity (ROE) | 10.2236% | 1,861 |
| Retained earnings to average equity (ytd only) | -12.3285% | 5,625 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6815% | 3,254 |
| Assets per employee ($millions) | 3.7003% | 4,505 |
| Cash dividends to net income (ytd only)* | 220.5882% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7350% | 1,084 |
| Loan loss allowance to noncurrent loans | 9,550.0000% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 5,339 |
| Noncurrent loans to loans | 0.0182% | 5,158 |
| Net loans and leases to total assets | 41.7632% | 5,176 |
| Net loans and leases to deposits | 47.5181% | 5,243 |
| Net loans and leases to core deposits | 47.5181% | 5,319 |
| Total domestic deposits to total assets | 87.8890% | 1,775 |
| Equity capital to assets | 10.2193% | 3,495 |
| Core capital (leverage) ratio | 10.8385% | 2,560 |
| Tier 1 risk-based capital ratio | 20.9269% | 1,227 |
| Total risk-based capital ratio | 22.1770% | 1,203 |
| Memoranda: | ||
| Average total assets | $51,776,500 | 5,275 |
| Average earning assets | $47,944,000 | 5,247 |
| Average equity | $5,321,000 | 5,355 |
| Average total loans | $21,966,000 | 5,408 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5183% | 4,740 |
| Cost of funding earning assets | 0.3109% | 3,949 |
| Net interest margin | 3.2073% | 4,435 |
| Noninterest income to average assets | 0.2546% | 4,894 |
| Noninterest expense to average assets | 2.1513% | 4,891 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0923% | 1,928 |
| Return on assets (ROA) | 1.0080% | 2,421 |
| Pretax return on assets | 1.0080% | 3,447 |
| Return on Equity (ROE) | 10.1235% | 1,906 |
| Retained earnings to average equity (ytd only) | 0.7760% | 5,011 |
| Net charge-offs to loans | 0.1012% | 2,268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 28.2727% | 1,477 |
| Efficiency ratio | 66.3238% | 3,541 |
| Assets per employee ($millions) | 3.6964% | 4,480 |
| Cash dividends to net income (ytd only)* | 92.3345% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7431% | 1,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 41.6105% | 5,249 |
| Net loans and leases to deposits | 47.1770% | 5,329 |
| Net loans and leases to core deposits | 47.1770% | 5,395 |
| Total domestic deposits to total assets | 88.2007% | 1,536 |
| Equity capital to assets | 10.3345% | 3,345 |
| Core capital (leverage) ratio | 10.4757% | 2,899 |
| Tier 1 risk-based capital ratio | 21.2466% | 1,168 |
| Total risk-based capital ratio | 22.4984% | 1,151 |
| Memoranda: | ||
| Average total assets | $56,943,400 | 5,214 |
| Average earning assets | $53,065,800 | 5,186 |
| Average equity | $5,670,000 | 5,339 |
| Average total loans | $21,729,600 | 5,454 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4841% | 4,851 |
| Cost of funding earning assets | 0.3089% | 3,998 |
| Net interest margin | 3.1752% | 4,562 |
| Noninterest income to average assets | 0.2541% | 4,942 |
| Noninterest expense to average assets | 2.1130% | 4,983 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1057% | 1,976 |
| Return on assets (ROA) | 1.1057% | 2,080 |
| Pretax return on assets | 1.1057% | 3,211 |
| Return on Equity (ROE) | 11.1987% | 1,597 |
| Retained earnings to average equity (ytd only) | -0.1391% | 5,377 |
| Net charge-offs to loans | 0.1476% | 1,518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 20.1244% | 1,893 |
| Efficiency ratio | 65.6472% | 3,650 |
| Assets per employee ($millions) | 4.0114% | 3,947 |
| Cash dividends to net income (ytd only)* | 101.2423% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7422% | 1,121 |
| Loan loss allowance to noncurrent loans | 271.4286% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 4,441 |
| Noncurrent loans to loans | 0.6419% | 3,095 |
| Net loans and leases to total assets | 38.1606% | 5,460 |
| Net loans and leases to deposits | 43.2967% | 5,536 |
| Net loans and leases to core deposits | 43.2967% | 5,600 |
| Total domestic deposits to total assets | 88.1375% | 1,335 |
| Equity capital to assets | 10.3668% | 3,724 |
| Core capital (leverage) ratio | 9.8976% | 3,698 |
| Tier 1 risk-based capital ratio | 20.8767% | 1,295 |
| Total risk-based capital ratio | 22.1282% | 1,274 |
| Memoranda: | ||
| Average total assets | $58,242,000 | 5,230 |
| Average earning assets | $54,378,750 | 5,207 |
| Average equity | $5,750,500 | 5,379 |
| Average total loans | $21,683,250 | 5,511 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3670% | 5,150 |
| Cost of funding earning assets | 0.3041% | 4,078 |
| Net interest margin | 3.0629% | 4,935 |
| Noninterest income to average assets | 0.2070% | 5,255 |
| Noninterest expense to average assets | 2.1108% | 5,034 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9672% | 2,539 |
| Return on assets (ROA) | 0.9672% | 2,685 |
| Pretax return on assets | 0.9672% | 3,715 |
| Return on Equity (ROE) | 9.9534% | 2,072 |
| Retained earnings to average equity (ytd only) | -4.2258% | 5,711 |
| Net charge-offs to loans | 0.2495% | 949 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 10.5556% | 2,325 |
| Efficiency ratio | 68.5777% | 3,230 |
| Assets per employee ($millions) | 3.9236% | 4,051 |
| Cash dividends to net income (ytd only)* | 142.4561% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7471% | 1,180 |
| Loan loss allowance to noncurrent loans | 992.1053% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 5,300 |
| Noncurrent loans to loans | 0.1761% | 4,728 |
| Net loans and leases to total assets | 36.0247% | 5,606 |
| Net loans and leases to deposits | 40.6348% | 5,666 |
| Net loans and leases to core deposits | 40.6348% | 5,723 |
| Total domestic deposits to total assets | 88.6550% | 1,083 |
| Equity capital to assets | 9.7886% | 4,462 |
| Core capital (leverage) ratio | 9.5474% | 4,141 |
| Tier 1 risk-based capital ratio | 19.5907% | 1,539 |
| Total risk-based capital ratio | 20.8408% | 1,506 |
| Memoranda: | ||
| Average total assets | $58,936,000 | 5,263 |
| Average earning assets | $55,242,000 | 5,242 |
| Average equity | $5,726,670 | 5,439 |
| Average total loans | $21,640,670 | 5,571 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2989% | 5,324 |
| Cost of funding earning assets | 0.3019% | 4,146 |
| Net interest margin | 2.9970% | 5,125 |
| Noninterest income to average assets | 0.1831% | 5,405 |
| Noninterest expense to average assets | 2.0483% | 5,225 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9631% | 2,448 |
| Return on assets (ROA) | 0.9631% | 2,562 |
| Pretax return on assets | 0.9631% | 3,607 |
| Return on Equity (ROE) | 9.9483% | 2,002 |
| Retained earnings to average equity (ytd only) | -11.0693% | 5,837 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0180% | 3,464 |
| Assets per employee ($millions) | 4.2614% | 3,469 |
| Cash dividends to net income (ytd only)* | 211.2676% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8766% | 1,000 |
| Loan loss allowance to noncurrent loans | 4,040.0000% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 5,587 |
| Noncurrent loans to loans | 0.0465% | 5,304 |
| Net loans and leases to total assets | 35.4073% | 5,660 |
| Net loans and leases to deposits | 39.8491% | 5,721 |
| Net loans and leases to core deposits | 40.2285% | 5,763 |
| Total domestic deposits to total assets | 88.8535% | 1,178 |
| Equity capital to assets | 9.4703% | 4,692 |
| Core capital (leverage) ratio | 9.4784% | 4,234 |
| Tier 1 risk-based capital ratio | 19.7596% | 1,556 |
| Total risk-based capital ratio | 21.0110% | 1,521 |
| Memoranda: | ||
| Average total assets | $58,977,000 | 5,311 |
| Average earning assets | $55,655,000 | 5,278 |
| Average equity | $5,709,500 | 5,470 |
| Average total loans | $21,671,500 | 5,624 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5324% | 4,837 |
| Cost of funding earning assets | 0.3392% | 3,803 |
| Net interest margin | 3.1932% | 4,647 |
| Noninterest income to average assets | 0.4030% | 4,013 |
| Noninterest expense to average assets | 2.1833% | 5,078 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0408% | 2,171 |
| Return on assets (ROA) | 1.0408% | 2,253 |
| Pretax return on assets | 1.0408% | 3,307 |
| Return on Equity (ROE) | 10.2630% | 1,895 |
| Retained earnings to average equity (ytd only) | 0.7948% | 5,202 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7174% | 3,618 |
| Assets per employee ($millions) | 4.1639% | 3,637 |
| Cash dividends to net income (ytd only)* | 92.2559% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8519% | 1,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 36.7293% | 5,678 |
| Net loans and leases to deposits | 41.3803% | 5,726 |
| Net loans and leases to core deposits | 41.7841% | 5,768 |
| Total domestic deposits to total assets | 88.7604% | 1,253 |
| Equity capital to assets | 9.8964% | 4,074 |
| Core capital (leverage) ratio | 9.9044% | 3,636 |
| Tier 1 risk-based capital ratio | 21.1478% | 1,270 |
| Total risk-based capital ratio | 22.3995% | 1,252 |
| Memoranda: | ||
| Average total assets | $57,070,400 | 5,377 |
| Average earning assets | $50,419,000 | 5,426 |
| Average equity | $5,787,800 | 5,484 |
| Average total loans | $21,306,000 | 5,670 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5928% | 4,763 |
| Cost of funding earning assets | 0.3522% | 3,735 |
| Net interest margin | 3.2406% | 4,553 |
| Noninterest income to average assets | 0.4510% | 3,711 |
| Noninterest expense to average assets | 2.1633% | 5,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0969% | 2,022 |
| Return on assets (ROA) | 1.0969% | 2,105 |
| Pretax return on assets | 1.0969% | 3,238 |
| Return on Equity (ROE) | 10.7492% | 1,807 |
| Retained earnings to average equity (ytd only) | -0.4834% | 5,688 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3545% | 3,826 |
| Assets per employee ($millions) | 4.1043% | 3,693 |
| Cash dividends to net income (ytd only)* | 104.4969% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9588% | 978 |
| Loan loss allowance to noncurrent loans | 46.3303% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 1.5176% | 1,479 |
| Noncurrent loans to loans | 4.2279% | 283 |
| Net loans and leases to total assets | 35.1914% | 5,807 |
| Net loans and leases to deposits | 39.8333% | 5,873 |
| Net loans and leases to core deposits | 40.2296% | 5,912 |
| Total domestic deposits to total assets | 88.3467% | 1,384 |
| Equity capital to assets | 10.1653% | 3,978 |
| Core capital (leverage) ratio | 9.6512% | 4,101 |
| Tier 1 risk-based capital ratio | 21.5705% | 1,253 |
| Total risk-based capital ratio | 22.8244% | 1,235 |
| Memoranda: | ||
| Average total assets | $56,764,500 | 5,462 |
| Average earning assets | $49,208,250 | 5,525 |
| Average equity | $5,792,500 | 5,553 |
| Average total loans | $21,178,750 | 5,743 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5534% | 4,850 |
| Cost of funding earning assets | 0.3432% | 3,885 |
| Net interest margin | 3.2101% | 4,629 |
| Noninterest income to average assets | 0.5307% | 3,166 |
| Noninterest expense to average assets | 2.2217% | 5,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1215% | 1,871 |
| Return on assets (ROA) | 1.1215% | 1,960 |
| Pretax return on assets | 1.1215% | 3,087 |
| Return on Equity (ROE) | 10.9758% | 1,686 |
| Retained earnings to average equity (ytd only) | -4.1549% | 5,984 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4550% | 3,933 |
| Assets per employee ($millions) | 4.1716% | 3,524 |
| Cash dividends to net income (ytd only)* | 137.8549% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8840% | 1,200 |
| Loan loss allowance to noncurrent loans | 213.7566% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 4,586 |
| Noncurrent loans to loans | 0.8814% | 2,923 |
| Net loans and leases to total assets | 36.0262% | 5,819 |
| Net loans and leases to deposits | 40.6264% | 5,881 |
| Net loans and leases to core deposits | 41.0224% | 5,929 |
| Total domestic deposits to total assets | 88.6768% | 1,312 |
| Equity capital to assets | 9.7257% | 4,375 |
| Core capital (leverage) ratio | 9.8194% | 3,838 |
| Tier 1 risk-based capital ratio | 20.7062% | 1,422 |
| Total risk-based capital ratio | 21.9607% | 1,392 |
| Memoranda: | ||
| Average total assets | $56,532,670 | 5,528 |
| Average earning assets | $49,530,670 | 5,576 |
| Average equity | $5,776,330 | 5,612 |
| Average total loans | $21,363,330 | 5,796 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7464% | 4,210 |
| Cost of funding earning assets | 0.3507% | 3,854 |
| Net interest margin | 3.3957% | 3,859 |
| Noninterest income to average assets | 0.8921% | 1,410 |
| Noninterest expense to average assets | 2.2087% | 5,119 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5396% | 788 |
| Return on assets (ROA) | 1.5396% | 830 |
| Pretax return on assets | 1.5396% | 1,427 |
| Return on Equity (ROE) | 14.6965% | 752 |
| Retained earnings to average equity (ytd only) | -5.9061% | 5,982 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9251% | 5,232 |
| Assets per employee ($millions) | 4.0617% | 3,844 |
| Cash dividends to net income (ytd only)* | 140.1869% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9060% | 1,271 |
| Loan loss allowance to noncurrent loans | 282.5175% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 4,936 |
| Noncurrent loans to loans | 0.6747% | 3,598 |
| Net loans and leases to total assets | 36.5644% | 5,800 |
| Net loans and leases to deposits | 41.5773% | 5,856 |
| Net loans and leases to core deposits | 41.9973% | 5,909 |
| Total domestic deposits to total assets | 87.9432% | 1,864 |
| Equity capital to assets | 10.2684% | 3,806 |
| Core capital (leverage) ratio | 10.1889% | 3,355 |
| Tier 1 risk-based capital ratio | 20.4262% | 1,534 |
| Total risk-based capital ratio | 21.6779% | 1,505 |
| Memoranda: | ||
| Average total assets | $55,598,000 | 5,601 |
| Average earning assets | $46,765,000 | 5,687 |
| Average equity | $5,824,500 | 5,648 |
| Average total loans | $21,323,000 | 5,846 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8298% | 4,389 |
| Cost of funding earning assets | 0.3838% | 3,863 |
| Net interest margin | 3.4460% | 3,997 |
| Noninterest income to average assets | 0.2929% | 5,023 |
| Noninterest expense to average assets | 2.1915% | 5,373 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0072% | 2,346 |
| Return on assets (ROA) | 1.0072% | 2,432 |
| Pretax return on assets | 1.0072% | 3,467 |
| Return on Equity (ROE) | 9.5009% | 2,343 |
| Retained earnings to average equity (ytd only) | 0.6482% | 5,471 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5133% | 3,804 |
| Assets per employee ($millions) | 3.8809% | 4,208 |
| Cash dividends to net income (ytd only)* | 93.1777% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8834% | 1,347 |
| Loan loss allowance to noncurrent loans | 282.5175% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.6847% | 3,522 |
| Noncurrent loans to loans | 0.6667% | 3,680 |
| Net loans and leases to total assets | 38.7359% | 5,809 |
| Net loans and leases to deposits | 44.0966% | 5,874 |
| Net loans and leases to core deposits | 44.5635% | 5,941 |
| Total domestic deposits to total assets | 87.8433% | 1,851 |
| Equity capital to assets | 10.6935% | 3,248 |
| Core capital (leverage) ratio | 10.3597% | 3,101 |
| Tier 1 risk-based capital ratio | 20.6849% | 1,472 |
| Total risk-based capital ratio | 21.9371% | 1,439 |
| Memoranda: | ||
| Average total assets | $55,304,400 | 5,665 |
| Average earning assets | $46,634,000 | 5,759 |
| Average equity | $5,862,600 | 5,650 |
| Average total loans | $21,586,000 | 5,899 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8354% | 4,420 |
| Cost of funding earning assets | 0.3915% | 3,883 |
| Net interest margin | 3.4438% | 4,045 |
| Noninterest income to average assets | 0.2928% | 5,102 |
| Noninterest expense to average assets | 2.1747% | 5,399 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0105% | 2,408 |
| Return on assets (ROA) | 1.0105% | 2,465 |
| Pretax return on assets | 1.0105% | 3,550 |
| Return on Equity (ROE) | 9.5532% | 2,422 |
| Retained earnings to average equity (ytd only) | -0.9757% | 5,961 |
| Net charge-offs to loans | -0.0247% | 5,672 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2743% | 3,814 |
| Assets per employee ($millions) | 4.0075% | 3,865 |
| Cash dividends to net income (ytd only)* | 110.2134% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9376% | 1,378 |
| Loan loss allowance to noncurrent loans | 5,100.0000% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.4224% | 4,651 |
| Noncurrent loans to loans | 0.0380% | 5,869 |
| Net loans and leases to total assets | 36.8042% | 5,999 |
| Net loans and leases to deposits | 41.7286% | 6,064 |
| Net loans and leases to core deposits | 42.1546% | 6,111 |
| Total domestic deposits to total assets | 88.1989% | 1,658 |
| Equity capital to assets | 10.3698% | 3,712 |
| Core capital (leverage) ratio | 10.1080% | 3,521 |
| Tier 1 risk-based capital ratio | 20.3632% | 1,583 |
| Total risk-based capital ratio | 21.6169% | 1,550 |
| Memoranda: | ||
| Average total assets | $55,547,500 | 5,723 |
| Average earning assets | $46,652,500 | 5,825 |
| Average equity | $5,875,750 | 5,701 |
| Average total loans | $21,620,000 | 5,961 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8400% | 4,373 |
| Cost of funding earning assets | 0.3921% | 3,963 |
| Net interest margin | 3.4479% | 3,988 |
| Noninterest income to average assets | 0.2709% | 5,269 |
| Noninterest expense to average assets | 2.1929% | 5,433 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0007% | 2,322 |
| Return on assets (ROA) | 1.0007% | 2,389 |
| Pretax return on assets | 1.0007% | 3,476 |
| Return on Equity (ROE) | 9.3978% | 2,419 |
| Retained earnings to average equity (ytd only) | -4.1730% | 6,187 |
| Net charge-offs to loans | -0.0183% | 5,513 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6652% | 3,886 |
| Assets per employee ($millions) | 3.9888% | 3,862 |
| Cash dividends to net income (ytd only)* | 144.4043% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8836% | 1,622 |
| Loan loss allowance to noncurrent loans | 8,120.0000% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.4226% | 4,736 |
| Noncurrent loans to loans | 0.0232% | 6,000 |
| Net loans and leases to total assets | 37.8705% | 5,966 |
| Net loans and leases to deposits | 42.9645% | 6,029 |
| Net loans and leases to core deposits | 43.4054% | 6,091 |
| Total domestic deposits to total assets | 88.1435% | 1,823 |
| Equity capital to assets | 10.4149% | 3,547 |
| Core capital (leverage) ratio | 10.1081% | 3,460 |
| Tier 1 risk-based capital ratio | 19.9670% | 1,692 |
| Total risk-based capital ratio | 21.2212% | 1,664 |
| Memoranda: | ||
| Average total assets | $55,361,670 | 5,780 |
| Average earning assets | $46,927,000 | 5,863 |
| Average equity | $5,895,000 | 5,739 |
| Average total loans | $21,807,670 | 6,002 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7521% | 4,659 |
| Cost of funding earning assets | 0.3945% | 4,036 |
| Net interest margin | 3.3576% | 4,304 |
| Noninterest income to average assets | 0.3338% | 4,704 |
| Noninterest expense to average assets | 2.2786% | 5,252 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9579% | 2,367 |
| Return on assets (ROA) | 0.9579% | 2,440 |
| Pretax return on assets | 0.9579% | 3,483 |
| Return on Equity (ROE) | 8.8971% | 2,510 |
| Retained earnings to average equity (ytd only) | 8.8971% | 1,281 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4036% | 3,759 |
| Assets per employee ($millions) | 4.0503% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8636% | 1,859 |
| Loan loss allowance to noncurrent loans | 274.8299% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.6790% | 4,077 |
| Noncurrent loans to loans | 0.6781% | 4,170 |
| Net loans and leases to total assets | 37.5176% | 5,978 |
| Net loans and leases to deposits | 42.6760% | 6,039 |
| Net loans and leases to core deposits | 43.1084% | 6,114 |
| Total domestic deposits to total assets | 87.9127% | 2,282 |
| Equity capital to assets | 10.6500% | 3,091 |
| Core capital (leverage) ratio | 10.5245% | 2,897 |
| Tier 1 risk-based capital ratio | 20.7263% | 1,532 |
| Total risk-based capital ratio | 21.9784% | 1,503 |
| Memoranda: | ||
| Average total assets | $55,121,000 | 5,842 |
| Average earning assets | $47,653,500 | 5,895 |
| Average equity | $5,934,500 | 5,763 |
| Average total loans | $21,934,500 | 6,050 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9871% | 4,130 |
| Cost of funding earning assets | 0.5054% | 3,554 |
| Net interest margin | 3.4817% | 3,980 |
| Noninterest income to average assets | 0.2940% | 5,249 |
| Noninterest expense to average assets | 2.3161% | 5,325 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9039% | 2,758 |
| Return on assets (ROA) | 0.9983% | 2,398 |
| Pretax return on assets | 0.9983% | 3,356 |
| Return on Equity (ROE) | 9.0517% | 2,512 |
| Retained earnings to average equity (ytd only) | 0.3950% | 5,670 |
| Net charge-offs to loans | -0.0089% | 6,004 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9278% | 3,487 |
| Assets per employee ($millions) | 3.8241% | 4,214 |
| Cash dividends to net income (ytd only)* | 95.6364% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8206% | 1,999 |
| Loan loss allowance to noncurrent loans | 2,885.7143% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.4726% | 4,822 |
| Noncurrent loans to loans | 0.0631% | 6,034 |
| Net loans and leases to total assets | 40.6945% | 5,914 |
| Net loans and leases to deposits | 46.4621% | 5,978 |
| Net loans and leases to core deposits | 46.9628% | 6,094 |
| Total domestic deposits to total assets | 87.5864% | 2,427 |
| Equity capital to assets | 10.8895% | 2,714 |
| Core capital (leverage) ratio | 10.3150% | 3,130 |
| Tier 1 risk-based capital ratio | 20.4584% | 1,545 |
| Total risk-based capital ratio | 21.7121% | 1,517 |
| Memoranda: | ||
| Average total assets | $55,093,600 | 5,892 |
| Average earning assets | $46,299,600 | 5,979 |
| Average equity | $6,076,200 | 5,805 |
| Average total loans | $22,396,200 | 6,101 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0377% | 3,985 |
| Cost of funding earning assets | 0.5320% | 3,447 |
| Net interest margin | 3.5057% | 3,860 |
| Noninterest income to average assets | 0.2812% | 5,435 |
| Noninterest expense to average assets | 2.3190% | 5,279 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8603% | 3,046 |
| Return on assets (ROA) | 0.9853% | 2,542 |
| Pretax return on assets | 0.9853% | 3,560 |
| Return on Equity (ROE) | 8.9064% | 2,681 |
| Retained earnings to average equity (ytd only) | -1.2816% | 6,172 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9403% | 3,229 |
| Assets per employee ($millions) | 3.9473% | 3,945 |
| Cash dividends to net income (ytd only)* | 114.3913% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9010% | 2,001 |
| Loan loss allowance to noncurrent loans | 74.4444% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 1.8765% | 2,164 |
| Noncurrent loans to loans | 2.5536% | 1,681 |
| Net loans and leases to total assets | 37.5394% | 6,194 |
| Net loans and leases to deposits | 42.7159% | 6,274 |
| Net loans and leases to core deposits | 43.4569% | 6,327 |
| Total domestic deposits to total assets | 87.8814% | 2,202 |
| Equity capital to assets | 10.6203% | 3,142 |
| Core capital (leverage) ratio | 10.0381% | 3,628 |
| Tier 1 risk-based capital ratio | 20.4013% | 1,624 |
| Total risk-based capital ratio | 21.6555% | 1,598 |
| Memoranda: | ||
| Average total assets | $55,482,500 | 5,953 |
| Average earning assets | $45,867,000 | 6,060 |
| Average equity | $6,137,750 | 5,853 |
| Average total loans | $22,447,500 | 6,163 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0832% | 3,803 |
| Cost of funding earning assets | 0.5273% | 3,634 |
| Net interest margin | 3.5559% | 3,538 |
| Noninterest income to average assets | 0.2340% | 5,772 |
| Noninterest expense to average assets | 2.3508% | 5,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8208% | 3,190 |
| Return on assets (ROA) | 1.0080% | 2,433 |
| Pretax return on assets | 1.0080% | 3,474 |
| Return on Equity (ROE) | 8.9926% | 2,608 |
| Retained earnings to average equity (ytd only) | -4.0146% | 6,396 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1203% | 3,105 |
| Assets per employee ($millions) | 4.2320% | 3,287 |
| Cash dividends to net income (ytd only)* | 144.6429% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8010% | 2,432 |
| Loan loss allowance to noncurrent loans | 58.5153% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 2.1885% | 1,972 |
| Noncurrent loans to loans | 3.0778% | 1,441 |
| Net loans and leases to total assets | 39.8411% | 6,055 |
| Net loans and leases to deposits | 45.4468% | 6,142 |
| Net loans and leases to core deposits | 46.2397% | 6,227 |
| Total domestic deposits to total assets | 87.6654% | 2,461 |
| Equity capital to assets | 10.5388% | 3,251 |
| Core capital (leverage) ratio | 10.0681% | 3,420 |
| Tier 1 risk-based capital ratio | 19.6110% | 1,825 |
| Total risk-based capital ratio | 20.8628% | 1,798 |
| Memoranda: | ||
| Average total assets | $55,556,000 | 5,980 |
| Average earning assets | $45,895,000 | 6,104 |
| Average equity | $6,227,330 | 5,871 |
| Average total loans | $22,881,000 | 6,177 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0802% | 3,804 |
| Cost of funding earning assets | 0.5405% | 3,670 |
| Net interest margin | 3.5397% | 3,528 |
| Noninterest income to average assets | 0.2579% | 5,613 |
| Noninterest expense to average assets | 2.3215% | 5,365 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8455% | 2,923 |
| Return on assets (ROA) | 0.8455% | 3,064 |
| Pretax return on assets | 0.8455% | 3,975 |
| Return on Equity (ROE) | 7.3269% | 3,308 |
| Retained earnings to average equity (ytd only) | 7.3269% | 2,015 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3032% | 3,394 |
| Assets per employee ($millions) | 4.3634% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7462% | 2,816 |
| Loan loss allowance to noncurrent loans | 61.7512% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 2.1155% | 2,221 |
| Noncurrent loans to loans | 2.8277% | 1,790 |
| Net loans and leases to total assets | 39.8773% | 6,009 |
| Net loans and leases to deposits | 45.9392% | 6,057 |
| Net loans and leases to core deposits | 46.7220% | 6,167 |
| Total domestic deposits to total assets | 86.8045% | 3,076 |
| Equity capital to assets | 11.4096% | 2,509 |
| Core capital (leverage) ratio | 10.4184% | 2,885 |
| Tier 1 risk-based capital ratio | 19.8321% | 1,815 |
| Total risk-based capital ratio | 21.0826% | 1,781 |
| Memoranda: | ||
| Average total assets | $55,826,000 | 6,026 |
| Average earning assets | $45,880,000 | 6,162 |
| Average equity | $6,442,000 | 5,879 |
| Average total loans | $23,161,000 | 6,209 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5057% | 3,371 |
| Cost of funding earning assets | 0.6372% | 4,032 |
| Net interest margin | 3.8685% | 2,952 |
| Noninterest income to average assets | 0.3750% | 4,794 |
| Noninterest expense to average assets | 2.5428% | 4,952 |
| Loan and lease loss provision to assets | 0.0364% | 5,431 |
| Net operating income to assets | 1.0448% | 2,144 |
| Return on assets (ROA) | 1.0448% | 2,345 |
| Pretax return on assets | 1.0448% | 3,373 |
| Return on Equity (ROE) | 9.2817% | 2,498 |
| Retained earnings to average equity (ytd only) | 7.6647% | 1,252 |
| Net charge-offs to loans | 0.0125% | 5,745 |
| Credit loss provision to net charge-offs | 666.6667% | 368 |
| Earnings coverage of net charge-offs (x) | 198.0000% | 212 |
| Efficiency ratio | 70.1657% | 3,784 |
| Assets per employee ($millions) | 3.6619% | 4,646 |
| Cash dividends to net income (ytd only)* | 17.4216% | 3,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7253% | 2,833 |
| Loan loss allowance to noncurrent loans | 61.7512% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 2.1847% | 2,245 |
| Noncurrent loans to loans | 2.7940% | 1,883 |
| Net loans and leases to total assets | 41.6873% | 6,032 |
| Net loans and leases to deposits | 48.2317% | 6,093 |
| Net loans and leases to core deposits | 49.0826% | 6,203 |
| Total domestic deposits to total assets | 86.4313% | 3,135 |
| Equity capital to assets | 11.6735% | 2,289 |
| Core capital (leverage) ratio | 10.0430% | 3,345 |
| Tier 1 risk-based capital ratio | 19.5849% | 1,792 |
| Total risk-based capital ratio | 20.8351% | 1,756 |
| Memoranda: | ||
| Average total assets | $54,940,400 | 6,051 |
| Average earning assets | $46,142,000 | 6,175 |
| Average equity | $6,184,200 | 5,973 |
| Average total loans | $24,031,800 | 6,238 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5649% | 3,358 |
| Cost of funding earning assets | 0.6554% | 4,148 |
| Net interest margin | 3.9095% | 2,883 |
| Noninterest income to average assets | 0.3446% | 5,052 |
| Noninterest expense to average assets | 2.4704% | 5,179 |
| Loan and lease loss provision to assets | 0.0485% | 5,164 |
| Net operating income to assets | 1.1114% | 2,049 |
| Return on assets (ROA) | 1.1114% | 2,243 |
| Pretax return on assets | 1.1114% | 3,308 |
| Return on Equity (ROE) | 9.9661% | 2,362 |
| Retained earnings to average equity (ytd only) | 7.7901% | 1,709 |
| Net charge-offs to loans | 0.0220% | 5,356 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 119.5722% | 359 |
| Efficiency ratio | 68.0481% | 4,051 |
| Assets per employee ($millions) | 3.7922% | 4,319 |
| Cash dividends to net income (ytd only)* | 21.8341% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 3,246 |
| Loan loss allowance to noncurrent loans | 61.2214% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 2.2854% | 2,330 |
| Noncurrent loans to loans | 2.7322% | 2,072 |
| Net loans and leases to total assets | 41.4394% | 6,168 |
| Net loans and leases to deposits | 47.7147% | 6,277 |
| Net loans and leases to core deposits | 48.5220% | 6,381 |
| Total domestic deposits to total assets | 86.8484% | 2,770 |
| Equity capital to assets | 11.2230% | 3,013 |
| Core capital (leverage) ratio | 10.0605% | 3,456 |
| Tier 1 risk-based capital ratio | 18.5074% | 2,164 |
| Total risk-based capital ratio | 19.7601% | 2,130 |
| Memoranda: | ||
| Average total assets | $54,943,500 | 6,125 |
| Average earning assets | $46,177,000 | 6,243 |
| Average equity | $6,127,250 | 6,061 |
| Average total loans | $24,214,750 | 6,318 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6239% | 3,259 |
| Cost of funding earning assets | 0.6818% | 4,171 |
| Net interest margin | 3.9421% | 2,743 |
| Noninterest income to average assets | 0.3241% | 5,236 |
| Noninterest expense to average assets | 2.5305% | 5,040 |
| Loan and lease loss provision to assets | 0.0737% | 4,703 |
| Net operating income to assets | 1.0424% | 2,284 |
| Return on assets (ROA) | 1.0424% | 2,513 |
| Pretax return on assets | 1.0424% | 3,548 |
| Return on Equity (ROE) | 9.3683% | 2,633 |
| Retained earnings to average equity (ytd only) | 6.0579% | 2,680 |
| Net charge-offs to loans | 0.0247% | 5,043 |
| Credit loss provision to net charge-offs | 666.6667% | 478 |
| Earnings coverage of net charge-offs (x) | 101.0000% | 424 |
| Efficiency ratio | 69.3939% | 3,868 |
| Assets per employee ($millions) | 3.6647% | 4,604 |
| Cash dividends to net income (ytd only)* | 35.3357% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6971% | 3,238 |
| Loan loss allowance to noncurrent loans | 51.3410% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 2.6542% | 2,081 |
| Noncurrent loans to loans | 3.3055% | 1,765 |
| Net loans and leases to total assets | 42.3613% | 6,167 |
| Net loans and leases to deposits | 48.9017% | 6,251 |
| Net loans and leases to core deposits | 49.7585% | 6,349 |
| Total domestic deposits to total assets | 86.6254% | 2,994 |
| Equity capital to assets | 11.2625% | 2,832 |
| Core capital (leverage) ratio | 9.9200% | 3,529 |
| Tier 1 risk-based capital ratio | 18.2919% | 2,198 |
| Total risk-based capital ratio | 19.5430% | 2,164 |
| Memoranda: | ||
| Average total assets | $54,297,000 | 6,181 |
| Average earning assets | $45,762,000 | 6,293 |
| Average equity | $6,041,670 | 6,108 |
| Average total loans | $24,295,330 | 6,352 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6713% | 3,158 |
| Cost of funding earning assets | 0.7046% | 4,240 |
| Net interest margin | 3.9667% | 2,642 |
| Noninterest income to average assets | 0.4225% | 4,501 |
| Noninterest expense to average assets | 2.5129% | 5,107 |
| Loan and lease loss provision to assets | 0.0890% | 4,250 |
| Net operating income to assets | 1.2009% | 1,730 |
| Return on assets (ROA) | 1.2009% | 1,914 |
| Pretax return on assets | 1.2009% | 2,912 |
| Return on Equity (ROE) | 10.8597% | 2,081 |
| Retained earnings to average equity (ytd only) | 4.1562% | 4,098 |
| Net charge-offs to loans | 0.0163% | 4,457 |
| Credit loss provision to net charge-offs | 1,200.0000% | 292 |
| Earnings coverage of net charge-offs (x) | 174.0000% | 207 |
| Efficiency ratio | 66.0819% | 4,541 |
| Assets per employee ($millions) | 3.6050% | 4,865 |
| Cash dividends to net income (ytd only)* | 61.7284% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6178% | 3,652 |
| Loan loss allowance to noncurrent loans | 40.1623% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 2.4725% | 2,392 |
| Noncurrent loans to loans | 4.0283% | 1,515 |
| Net loans and leases to total assets | 44.5326% | 5,955 |
| Net loans and leases to deposits | 51.4496% | 6,033 |
| Net loans and leases to core deposits | 52.3648% | 6,176 |
| Total domestic deposits to total assets | 86.5557% | 3,206 |
| Equity capital to assets | 11.1937% | 2,717 |
| Core capital (leverage) ratio | 9.7114% | 3,751 |
| Tier 1 risk-based capital ratio | 17.8042% | 2,355 |
| Total risk-based capital ratio | 19.0568% | 2,337 |
| Memoranda: | ||
| Average total assets | $53,960,500 | 6,233 |
| Average earning assets | $45,982,500 | 6,329 |
| Average equity | $5,967,000 | 6,154 |
| Average total loans | $24,599,000 | 6,394 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8415% | 3,615 |
| Cost of funding earning assets | 0.8645% | 4,359 |
| Net interest margin | 3.9770% | 2,998 |
| Noninterest income to average assets | 0.2957% | 5,415 |
| Noninterest expense to average assets | 2.7620% | 4,500 |
| Loan and lease loss provision to assets | 0.2594% | 3,618 |
| Net operating income to assets | 0.6790% | 3,583 |
| Return on assets (ROA) | 0.7744% | 3,321 |
| Pretax return on assets | 0.7744% | 4,069 |
| Return on Equity (ROE) | 7.3802% | 3,207 |
| Retained earnings to average equity (ytd only) | 7.3802% | 1,328 |
| Net charge-offs to loans | 1.3027% | 1,264 |
| Credit loss provision to net charge-offs | 41.5902% | 5,604 |
| Earnings coverage of net charge-offs (x) | 1.5046% | 4,644 |
| Efficiency ratio | 74.6392% | 3,116 |
| Assets per employee ($millions) | 3.5897% | 4,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5574% | 3,765 |
| Loan loss allowance to noncurrent loans | 61.0143% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 1.8256% | 3,222 |
| Noncurrent loans to loans | 2.5525% | 2,571 |
| Net loans and leases to total assets | 45.1956% | 6,091 |
| Net loans and leases to deposits | 51.9989% | 6,217 |
| Net loans and leases to core deposits | 52.9228% | 6,375 |
| Total domestic deposits to total assets | 86.9164% | 2,810 |
| Equity capital to assets | 10.9219% | 3,051 |
| Core capital (leverage) ratio | 9.5879% | 3,895 |
| Tier 1 risk-based capital ratio | 17.6235% | 2,333 |
| Total risk-based capital ratio | 18.8748% | 2,301 |
| Memoranda: | ||
| Average total assets | $52,426,600 | 6,291 |
| Average earning assets | $44,883,000 | 6,364 |
| Average equity | $5,501,200 | 6,293 |
| Average total loans | $25,101,200 | 6,416 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9340% | 3,407 |
| Cost of funding earning assets | 0.8990% | 4,406 |
| Net interest margin | 4.0350% | 2,755 |
| Noninterest income to average assets | 0.3431% | 5,119 |
| Noninterest expense to average assets | 2.8806% | 4,011 |
| Loan and lease loss provision to assets | 0.3150% | 3,015 |
| Net operating income to assets | 0.6068% | 4,056 |
| Return on assets (ROA) | 0.7349% | 3,631 |
| Pretax return on assets | 0.7349% | 4,364 |
| Return on Equity (ROE) | 7.0781% | 3,487 |
| Retained earnings to average equity (ytd only) | 7.0781% | 1,928 |
| Net charge-offs to loans | 1.3388% | 1,131 |
| Credit loss provision to net charge-offs | 48.6166% | 5,064 |
| Earnings coverage of net charge-offs (x) | 1.4230% | 4,562 |
| Efficiency ratio | 75.7576% | 2,874 |
| Assets per employee ($millions) | 3.6058% | 4,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8645% | 2,731 |
| Loan loss allowance to noncurrent loans | 58.2245% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 2.6143% | 2,470 |
| Noncurrent loans to loans | 3.2023% | 2,170 |
| Net loans and leases to total assets | 43.4004% | 6,392 |
| Net loans and leases to deposits | 49.8884% | 6,507 |
| Net loans and leases to core deposits | 51.2108% | 6,609 |
| Total domestic deposits to total assets | 86.9950% | 2,663 |
| Equity capital to assets | 10.7937% | 3,369 |
| Core capital (leverage) ratio | 9.5030% | 4,139 |
| Tier 1 risk-based capital ratio | 17.3488% | 2,507 |
| Total risk-based capital ratio | 18.6027% | 2,469 |
| Memoranda: | ||
| Average total assets | $52,071,750 | 6,355 |
| Average earning assets | $44,641,750 | 6,430 |
| Average equity | $5,406,250 | 6,368 |
| Average total loans | $25,196,250 | 6,469 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9122% | 3,561 |
| Cost of funding earning assets | 0.9110% | 4,579 |
| Net interest margin | 4.0012% | 2,832 |
| Noninterest income to average assets | 0.3191% | 5,348 |
| Noninterest expense to average assets | 2.8716% | 4,139 |
| Loan and lease loss provision to assets | 0.3074% | 2,953 |
| Net operating income to assets | 0.6265% | 3,922 |
| Return on assets (ROA) | 0.6265% | 4,050 |
| Pretax return on assets | 0.6265% | 4,659 |
| Return on Equity (ROE) | 6.1190% | 3,907 |
| Retained earnings to average equity (ytd only) | 6.1190% | 2,351 |
| Net charge-offs to loans | 0.4137% | 2,897 |
| Credit loss provision to net charge-offs | 149.0566% | 2,054 |
| Earnings coverage of net charge-offs (x) | 4.5283% | 2,837 |
| Efficiency ratio | 75.4601% | 3,107 |
| Assets per employee ($millions) | 3.5327% | 4,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3321% | 1,698 |
| Loan loss allowance to noncurrent loans | 56.6855% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 3.3326% | 1,989 |
| Noncurrent loans to loans | 4.1140% | 1,666 |
| Net loans and leases to total assets | 47.5779% | 6,098 |
| Net loans and leases to deposits | 54.6471% | 6,258 |
| Net loans and leases to core deposits | 56.1227% | 6,407 |
| Total domestic deposits to total assets | 87.0638% | 2,707 |
| Equity capital to assets | 10.6509% | 3,334 |
| Core capital (leverage) ratio | 9.5249% | 3,919 |
| Tier 1 risk-based capital ratio | 16.0612% | 2,949 |
| Total risk-based capital ratio | 17.3197% | 2,913 |
| Memoranda: | ||
| Average total assets | $51,400,000 | 6,437 |
| Average earning assets | $44,786,330 | 6,480 |
| Average equity | $5,262,330 | 6,445 |
| Average total loans | $25,621,670 | 6,501 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8285% | 3,917 |
| Cost of funding earning assets | 0.9371% | 4,671 |
| Net interest margin | 3.8913% | 3,185 |
| Noninterest income to average assets | 0.3952% | 4,736 |
| Noninterest expense to average assets | 2.8377% | 4,303 |
| Loan and lease loss provision to assets | 0.1502% | 4,139 |
| Net operating income to assets | 0.8537% | 2,760 |
| Return on assets (ROA) | 0.8537% | 2,824 |
| Pretax return on assets | 0.8537% | 3,693 |
| Return on Equity (ROE) | 8.5182% | 2,689 |
| Retained earnings to average equity (ytd only) | 8.5182% | 1,549 |
| Net charge-offs to loans | -0.0157% | 6,494 |
| Credit loss provision to net charge-offs | -1,900.0000% | 6,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8683% | 3,537 |
| Assets per employee ($millions) | 3.4181% | 5,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3377% | 1,706 |
| Loan loss allowance to noncurrent loans | 55.5970% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 3.4639% | 1,968 |
| Noncurrent loans to loans | 4.2047% | 1,698 |
| Net loans and leases to total assets | 48.5635% | 6,013 |
| Net loans and leases to deposits | 55.4445% | 6,184 |
| Net loans and leases to core deposits | 56.4654% | 6,371 |
| Total domestic deposits to total assets | 87.5895% | 2,619 |
| Equity capital to assets | 10.0018% | 3,769 |
| Core capital (leverage) ratio | 9.6106% | 3,650 |
| Tier 1 risk-based capital ratio | 15.9764% | 2,910 |
| Total risk-based capital ratio | 17.2352% | 2,880 |
| Memoranda: | ||
| Average total assets | $50,604,500 | 6,515 |
| Average earning assets | $44,817,500 | 6,530 |
| Average equity | $5,071,500 | 6,532 |
| Average total loans | $25,525,500 | 6,558 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0487% | 4,322 |
| Cost of funding earning assets | 1.2173% | 4,438 |
| Net interest margin | 3.8315% | 3,815 |
| Noninterest income to average assets | 0.2613% | 5,925 |
| Noninterest expense to average assets | 2.9890% | 3,892 |
| Loan and lease loss provision to assets | 0.5427% | 2,974 |
| Net operating income to assets | 0.1588% | 5,408 |
| Return on assets (ROA) | 0.3960% | 4,699 |
| Pretax return on assets | 0.3960% | 4,957 |
| Return on Equity (ROE) | 3.9942% | 4,531 |
| Retained earnings to average equity (ytd only) | 3.9942% | 3,072 |
| Net charge-offs to loans | 1.0638% | 2,082 |
| Credit loss provision to net charge-offs | 95.7447% | 4,857 |
| Earnings coverage of net charge-offs (x) | 1.2376% | 4,864 |
| Efficiency ratio | 80.9913% | 2,289 |
| Assets per employee ($millions) | 3.3292% | 5,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2539% | 1,767 |
| Loan loss allowance to noncurrent loans | 51.2456% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 3.6605% | 1,884 |
| Noncurrent loans to loans | 4.3982% | 1,628 |
| Net loans and leases to total assets | 50.0220% | 6,170 |
| Net loans and leases to deposits | 57.2122% | 6,333 |
| Net loans and leases to core deposits | 58.2937% | 6,536 |
| Total domestic deposits to total assets | 87.4324% | 2,591 |
| Equity capital to assets | 10.0425% | 3,697 |
| Core capital (leverage) ratio | 9.3423% | 3,939 |
| Tier 1 risk-based capital ratio | 15.6615% | 2,921 |
| Total risk-based capital ratio | 16.9200% | 2,874 |
| Memoranda: | ||
| Average total assets | $49,749,600 | 6,546 |
| Average earning assets | $44,526,200 | 6,561 |
| Average equity | $4,932,200 | 6,687 |
| Average total loans | $26,508,000 | 6,586 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0510% | 4,585 |
| Cost of funding earning assets | 1.2583% | 4,506 |
| Net interest margin | 3.7928% | 3,992 |
| Noninterest income to average assets | 0.3595% | 5,291 |
| Noninterest expense to average assets | 3.1010% | 3,331 |
| Loan and lease loss provision to assets | 0.6304% | 2,415 |
| Net operating income to assets | 0.0322% | 5,923 |
| Return on assets (ROA) | 0.0322% | 6,055 |
| Pretax return on assets | 0.0322% | 6,039 |
| Return on Equity (ROE) | 0.3258% | 6,047 |
| Retained earnings to average equity (ytd only) | 0.3258% | 5,659 |
| Net charge-offs to loans | 1.1216% | 1,818 |
| Credit loss provision to net charge-offs | 104.4444% | 4,106 |
| Earnings coverage of net charge-offs (x) | 1.0978% | 4,960 |
| Efficiency ratio | 82.3949% | 2,020 |
| Assets per employee ($millions) | 3.3385% | 5,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2881% | 1,646 |
| Loan loss allowance to noncurrent loans | 39.1874% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 4.1157% | 1,675 |
| Noncurrent loans to loans | 5.8389% | 1,101 |
| Net loans and leases to total assets | 50.9955% | 6,220 |
| Net loans and leases to deposits | 58.6518% | 6,415 |
| Net loans and leases to core deposits | 59.3332% | 6,650 |
| Total domestic deposits to total assets | 86.9461% | 2,563 |
| Equity capital to assets | 10.4859% | 3,535 |
| Core capital (leverage) ratio | 9.2231% | 4,333 |
| Tier 1 risk-based capital ratio | 14.9264% | 3,287 |
| Total risk-based capital ratio | 16.1838% | 3,268 |
| Memoranda: | ||
| Average total assets | $49,702,500 | 6,631 |
| Average earning assets | $44,610,250 | 6,631 |
| Average equity | $4,911,500 | 6,780 |
| Average total loans | $26,746,000 | 6,662 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1174% | 4,359 |
| Cost of funding earning assets | 1.3320% | 4,316 |
| Net interest margin | 3.7854% | 3,956 |
| Noninterest income to average assets | 0.3550% | 5,303 |
| Noninterest expense to average assets | 3.0457% | 3,533 |
| Loan and lease loss provision to assets | 0.7382% | 1,961 |
| Net operating income to assets | -0.0928% | 6,219 |
| Return on assets (ROA) | -0.0928% | 6,292 |
| Pretax return on assets | -0.0928% | 6,237 |
| Return on Equity (ROE) | -0.9587% | 6,308 |
| Retained earnings to average equity (ytd only) | -0.9587% | 5,957 |
| Net charge-offs to loans | 1.5510% | 1,230 |
| Credit loss provision to net charge-offs | 87.5598% | 4,497 |
| Earnings coverage of net charge-offs (x) | 0.7656% | 4,992 |
| Efficiency ratio | 82.5137% | 2,098 |
| Assets per employee ($millions) | 3.3205% | 5,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0799% | 2,012 |
| Loan loss allowance to noncurrent loans | 32.6934% | 6,188 |
| Noncurrent assets plus other real estate owned to assets | 4.3648% | 1,528 |
| Noncurrent loans to loans | 6.3620% | 962 |
| Net loans and leases to total assets | 53.1210% | 6,098 |
| Net loans and leases to deposits | 60.6640% | 6,346 |
| Net loans and leases to core deposits | 61.3675% | 6,607 |
| Total domestic deposits to total assets | 87.5660% | 2,224 |
| Equity capital to assets | 9.8119% | 4,249 |
| Core capital (leverage) ratio | 9.2846% | 4,149 |
| Tier 1 risk-based capital ratio | 14.5708% | 3,401 |
| Total risk-based capital ratio | 15.8267% | 3,362 |
| Memoranda: | ||
| Average total assets | $49,577,670 | 6,666 |
| Average earning assets | $43,694,000 | 6,711 |
| Average equity | $4,798,330 | 6,842 |
| Average total loans | $26,949,670 | 6,696 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1166% | 4,452 |
| Cost of funding earning assets | 1.3638% | 4,395 |
| Net interest margin | 3.7528% | 3,994 |
| Noninterest income to average assets | 0.3801% | 5,094 |
| Noninterest expense to average assets | 3.0164% | 3,615 |
| Loan and lease loss provision to assets | 0.6308% | 2,012 |
| Net operating income to assets | 0.0485% | 6,167 |
| Return on assets (ROA) | 0.0485% | 6,276 |
| Pretax return on assets | 0.0485% | 6,257 |
| Return on Equity (ROE) | 0.5048% | 6,270 |
| Retained earnings to average equity (ytd only) | 0.5048% | 5,632 |
| Net charge-offs to loans | 2.6603% | 611 |
| Credit loss provision to net charge-offs | 43.5754% | 4,580 |
| Earnings coverage of net charge-offs (x) | 0.4693% | 4,606 |
| Efficiency ratio | 81.6193% | 2,332 |
| Assets per employee ($millions) | 3.0549% | 6,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8416% | 2,606 |
| Loan loss allowance to noncurrent loans | 24.7459% | 6,761 |
| Noncurrent assets plus other real estate owned to assets | 4.6094% | 1,459 |
| Noncurrent loans to loans | 7.4421% | 771 |
| Net loans and leases to total assets | 53.1057% | 6,141 |
| Net loans and leases to deposits | 60.6585% | 6,396 |
| Net loans and leases to core deposits | 61.3757% | 6,649 |
| Total domestic deposits to total assets | 87.5486% | 2,334 |
| Equity capital to assets | 9.7303% | 4,189 |
| Core capital (leverage) ratio | 9.3791% | 3,937 |
| Tier 1 risk-based capital ratio | 15.0335% | 3,108 |
| Total risk-based capital ratio | 16.2882% | 3,061 |
| Memoranda: | ||
| Average total assets | $49,463,000 | 6,749 |
| Average earning assets | $43,701,000 | 6,788 |
| Average equity | $4,754,000 | 6,928 |
| Average total loans | $26,914,500 | 6,776 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1116% | 6,037 |
| Cost of funding earning assets | 1.7243% | 4,385 |
| Net interest margin | 3.3873% | 5,416 |
| Noninterest income to average assets | 0.3570% | 5,542 |
| Noninterest expense to average assets | 2.9403% | 4,384 |
| Loan and lease loss provision to assets | 1.4984% | 1,537 |
| Net operating income to assets | -0.9560% | 6,545 |
| Return on assets (ROA) | -0.8565% | 6,475 |
| Pretax return on assets | -0.8546% | 6,308 |
| Return on Equity (ROE) | -8.4122% | 6,503 |
| Retained earnings to average equity (ytd only) | -12.6279% | 6,732 |
| Net charge-offs to loans | 2.5914% | 878 |
| Credit loss provision to net charge-offs | 108.3216% | 5,112 |
| Earnings coverage of net charge-offs (x) | 0.3935% | 5,723 |
| Efficiency ratio | 84.3785% | 2,304 |
| Assets per employee ($millions) | 2.9440% | 6,358 |
| Cash dividends to net income (ytd only)* | -50.1139% | 7,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1472% | 1,738 |
| Loan loss allowance to noncurrent loans | 35.8100% | 6,048 |
| Noncurrent assets plus other real estate owned to assets | 3.7804% | 1,764 |
| Noncurrent loans to loans | 5.9960% | 1,048 |
| Net loans and leases to total assets | 53.5426% | 6,244 |
| Net loans and leases to deposits | 60.9785% | 6,562 |
| Net loans and leases to core deposits | 68.6909% | 6,838 |
| Total domestic deposits to total assets | 87.8057% | 2,073 |
| Equity capital to assets | 9.4949% | 4,414 |
| Core capital (leverage) ratio | 8.9816% | 4,452 |
| Tier 1 risk-based capital ratio | 14.5666% | 3,166 |
| Total risk-based capital ratio | 15.8254% | 3,116 |
| Memoranda: | ||
| Average total assets | $51,254,000 | 6,658 |
| Average earning assets | $47,323,800 | 6,625 |
| Average equity | $5,218,600 | 6,865 |
| Average total loans | $27,360,000 | 6,780 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1017% | 6,260 |
| Cost of funding earning assets | 1.7812% | 4,472 |
| Net interest margin | 3.3205% | 5,562 |
| Noninterest income to average assets | 0.3233% | 5,891 |
| Noninterest expense to average assets | 2.8473% | 4,687 |
| Loan and lease loss provision to assets | 0.6414% | 2,835 |
| Net operating income to assets | -0.0710% | 5,845 |
| Return on assets (ROA) | 0.0543% | 5,631 |
| Pretax return on assets | 0.0569% | 5,606 |
| Return on Equity (ROE) | 0.5248% | 5,637 |
| Retained earnings to average equity (ytd only) | -4.9732% | 6,254 |
| Net charge-offs to loans | 1.4330% | 1,443 |
| Credit loss provision to net charge-offs | 84.3537% | 5,645 |
| Earnings coverage of net charge-offs (x) | 0.7449% | 5,297 |
| Efficiency ratio | 83.4091% | 2,368 |
| Assets per employee ($millions) | 2.8933% | 6,426 |
| Cash dividends to net income (ytd only)* | 1,047.6071% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7869% | 2,319 |
| Loan loss allowance to noncurrent loans | 19.9587% | 7,095 |
| Noncurrent assets plus other real estate owned to assets | 5.1267% | 1,139 |
| Noncurrent loans to loans | 8.9530% | 503 |
| Net loans and leases to total assets | 50.9735% | 6,700 |
| Net loans and leases to deposits | 58.5600% | 6,932 |
| Net loans and leases to core deposits | 66.8051% | 7,124 |
| Total domestic deposits to total assets | 87.0449% | 2,162 |
| Equity capital to assets | 10.1978% | 3,848 |
| Core capital (leverage) ratio | 9.5139% | 3,888 |
| Tier 1 risk-based capital ratio | 16.0506% | 2,609 |
| Total risk-based capital ratio | 17.3050% | 2,541 |
| Memoranda: | ||
| Average total assets | $51,555,500 | 6,702 |
| Average earning assets | $47,982,750 | 6,646 |
| Average equity | $5,335,250 | 6,894 |
| Average total loans | $27,353,750 | 6,835 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1161% | 6,369 |
| Cost of funding earning assets | 1.8254% | 4,634 |
| Net interest margin | 3.2907% | 5,590 |
| Noninterest income to average assets | 0.3075% | 6,052 |
| Noninterest expense to average assets | 2.7520% | 5,171 |
| Loan and lease loss provision to assets | 0.8719% | 1,932 |
| Net operating income to assets | -0.2258% | 6,225 |
| Return on assets (ROA) | -0.2258% | 6,247 |
| Pretax return on assets | -0.2219% | 6,148 |
| Return on Equity (ROE) | -2.1709% | 6,250 |
| Retained earnings to average equity (ytd only) | -10.4055% | 6,914 |
| Net charge-offs to loans | 2.1412% | 859 |
| Credit loss provision to net charge-offs | 76.1905% | 5,299 |
| Earnings coverage of net charge-offs (x) | 0.5680% | 5,143 |
| Efficiency ratio | 80.8924% | 2,902 |
| Assets per employee ($millions) | 2.9454% | 6,280 |
| Cash dividends to net income (ytd only)* | -379.3103% | 8,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6699% | 2,446 |
| Loan loss allowance to noncurrent loans | 18.6131% | 7,205 |
| Noncurrent assets plus other real estate owned to assets | 5.1228% | 1,017 |
| Noncurrent loans to loans | 8.9715% | 442 |
| Net loans and leases to total assets | 50.9789% | 6,787 |
| Net loans and leases to deposits | 58.5452% | 6,986 |
| Net loans and leases to core deposits | 66.9258% | 7,173 |
| Total domestic deposits to total assets | 87.0761% | 2,214 |
| Equity capital to assets | 9.7891% | 4,229 |
| Core capital (leverage) ratio | 9.5084% | 3,871 |
| Tier 1 risk-based capital ratio | 15.5888% | 2,778 |
| Total risk-based capital ratio | 16.8421% | 2,708 |
| Memoranda: | ||
| Average total assets | $51,380,670 | 6,774 |
| Average earning assets | $48,318,330 | 6,696 |
| Average equity | $5,343,330 | 6,950 |
| Average total loans | $27,461,670 | 6,881 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3824% | 5,518 |
| Cost of funding earning assets | 1.9061% | 4,593 |
| Net interest margin | 3.4763% | 4,822 |
| Noninterest income to average assets | 0.2927% | 6,093 |
| Noninterest expense to average assets | 2.7056% | 4,980 |
| Loan and lease loss provision to assets | 0.0237% | 6,608 |
| Net operating income to assets | 0.8307% | 2,993 |
| Return on assets (ROA) | 0.8307% | 3,142 |
| Pretax return on assets | 0.8386% | 3,937 |
| Return on Equity (ROE) | 7.7491% | 3,264 |
| Retained earnings to average equity (ytd only) | -8.4871% | 6,962 |
| Net charge-offs to loans | 0.3789% | 2,577 |
| Credit loss provision to net charge-offs | 11.5385% | 5,180 |
| Earnings coverage of net charge-offs (x) | 4.1923% | 2,951 |
| Efficiency ratio | 75.8315% | 3,519 |
| Assets per employee ($millions) | 2.8681% | 6,477 |
| Cash dividends to net income (ytd only)* | 209.5238% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8509% | 1,740 |
| Loan loss allowance to noncurrent loans | 52.3810% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 2.3554% | 2,433 |
| Noncurrent loans to loans | 3.5335% | 1,794 |
| Net loans and leases to total assets | 51.9748% | 6,685 |
| Net loans and leases to deposits | 60.2817% | 6,872 |
| Net loans and leases to core deposits | 68.3775% | 7,117 |
| Total domestic deposits to total assets | 86.2199% | 2,605 |
| Equity capital to assets | 10.4213% | 3,549 |
| Core capital (leverage) ratio | 10.1618% | 3,233 |
| Tier 1 risk-based capital ratio | 16.4096% | 2,547 |
| Total risk-based capital ratio | 17.6647% | 2,492 |
| Memoranda: | ||
| Average total assets | $50,562,000 | 6,844 |
| Average earning assets | $47,636,500 | 6,761 |
| Average equity | $5,420,000 | 6,970 |
| Average total loans | $27,449,000 | 6,915 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9860% | 5,613 |
| Cost of funding earning assets | 2.4614% | 4,415 |
| Net interest margin | 3.5247% | 5,213 |
| Noninterest income to average assets | 0.3605% | 5,837 |
| Noninterest expense to average assets | 3.0659% | 3,838 |
| Loan and lease loss provision to assets | 0.1981% | 4,906 |
| Net operating income to assets | 0.4100% | 5,115 |
| Return on assets (ROA) | 0.4714% | 4,683 |
| Pretax return on assets | 0.4733% | 5,061 |
| Return on Equity (ROE) | 4.3819% | 4,642 |
| Retained earnings to average equity (ytd only) | -0.4603% | 5,426 |
| Net charge-offs to loans | 0.0574% | 5,956 |
| Credit loss provision to net charge-offs | 625.0000% | 688 |
| Earnings coverage of net charge-offs (x) | 19.2500% | 1,643 |
| Efficiency ratio | 83.4052% | 2,124 |
| Assets per employee ($millions) | 2.7499% | 6,677 |
| Cash dividends to net income (ytd only)* | 110.5042% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9194% | 1,377 |
| Loan loss allowance to noncurrent loans | 40.6923% | 6,008 |
| Noncurrent assets plus other real estate owned to assets | 3.0203% | 1,520 |
| Noncurrent loans to loans | 4.7170% | 982 |
| Net loans and leases to total assets | 54.6092% | 6,591 |
| Net loans and leases to deposits | 63.6638% | 6,830 |
| Net loans and leases to core deposits | 69.7412% | 7,205 |
| Total domestic deposits to total assets | 85.7775% | 2,504 |
| Equity capital to assets | 11.0305% | 3,017 |
| Core capital (leverage) ratio | 10.5880% | 2,914 |
| Tier 1 risk-based capital ratio | 17.0358% | 2,298 |
| Total risk-based capital ratio | 18.2909% | 2,254 |
| Memoranda: | ||
| Average total assets | $50,491,200 | 6,753 |
| Average earning assets | $47,493,800 | 6,687 |
| Average equity | $5,431,400 | 7,006 |
| Average total loans | $27,867,400 | 6,852 |