Home > Butte State Bank > Performance and Condition Ratios
Butte State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7040% | 2,675 |
| Cost of funding earning assets | 1.5720% | 1,768 |
| Net interest margin | 3.1320% | 3,023 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.6572% | 1,853 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4681% | 3,736 |
| Return on assets (ROA) | 0.4681% | 3,736 |
| Pretax return on assets | 0.6458% | 3,542 |
| Return on Equity (ROE) | 6.0000% | 3,519 |
| Retained earnings to average equity (ytd only) | 1.2562% | 3,769 |
| Net charge-offs to loans | -0.0400% | 4,319 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.4482% | 889 |
| Assets per employee ($millions) | 7.0354% | 2,047 |
| Cash dividends to net income (ytd only)* | 79.0514% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 2,767 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 61.0700% | 2,751 |
| Net loans and leases to deposits | 73.2207% | 2,678 |
| Net loans and leases to core deposits | 84.1070% | 2,444 |
| Total domestic deposits to total assets | 83.4100% | 2,779 |
| Equity capital to assets | 8.1374% | 3,323 |
| Core capital (leverage) ratio | 10.8277% | 2,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $54,042,600 | 4,271 |
| Average earning assets | $49,681,000 | 4,255 |
| Average equity | $4,219,000 | 4,335 |
| Average total loans | $32,498,000 | 4,105 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6085% | 2,658 |
| Cost of funding earning assets | 1.4515% | 1,732 |
| Net interest margin | 3.1571% | 3,012 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.6625% | 1,759 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6556% | 3,418 |
| Return on assets (ROA) | 0.6556% | 3,408 |
| Pretax return on assets | 0.6781% | 3,593 |
| Return on Equity (ROE) | 8.4900% | 3,065 |
| Retained earnings to average equity (ytd only) | 2.0345% | 3,724 |
| Net charge-offs to loans | -0.0543% | 4,383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 79.7015% | 872 |
| Assets per employee ($millions) | 6.7308% | 2,158 |
| Cash dividends to net income (ytd only)* | 76.0456% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 2,678 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 62.3700% | 2,614 |
| Net loans and leases to deposits | 78.5801% | 2,188 |
| Net loans and leases to core deposits | 102.6251% | 1,179 |
| Total domestic deposits to total assets | 79.3700% | 3,625 |
| Equity capital to assets | 7.2169% | 3,506 |
| Core capital (leverage) ratio | 11.0840% | 1,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $53,482,500 | 4,298 |
| Average earning assets | $49,327,500 | 4,283 |
| Average equity | $4,128,750 | 4,356 |
| Average total loans | $31,932,750 | 4,130 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5466% | 2,536 |
| Cost of funding earning assets | 1.3310% | 1,629 |
| Net interest margin | 3.2156% | 2,947 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.6386% | 1,827 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7009% | 3,342 |
| Return on assets (ROA) | 0.7009% | 3,348 |
| Pretax return on assets | 0.7271% | 3,548 |
| Return on Equity (ROE) | 8.8800% | 3,018 |
| Retained earnings to average equity (ytd only) | 4.1333% | 3,184 |
| Net charge-offs to loans | -0.0832% | 4,484 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.3964% | 974 |
| Assets per employee ($millions) | 6.5664% | 2,244 |
| Cash dividends to net income (ytd only)* | 53.4759% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 2,257 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 58.9400% | 2,871 |
| Net loans and leases to deposits | 66.9658% | 2,996 |
| Net loans and leases to core deposits | 89.8155% | 1,811 |
| Total domestic deposits to total assets | 88.0200% | 1,593 |
| Equity capital to assets | 8.0391% | 3,182 |
| Core capital (leverage) ratio | 10.8647% | 2,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $53,361,333 | 4,321 |
| Average earning assets | $49,135,667 | 4,304 |
| Average equity | $4,209,667 | 4,373 |
| Average total loans | $31,254,000 | 4,151 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4201% | 2,499 |
| Cost of funding earning assets | 1.1981% | 1,454 |
| Net interest margin | 3.2220% | 3,062 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.6108% | 1,918 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6992% | 3,468 |
| Return on assets (ROA) | 0.6992% | 3,416 |
| Pretax return on assets | 0.7215% | 3,618 |
| Return on Equity (ROE) | 8.9500% | 3,064 |
| Retained earnings to average equity (ytd only) | -0.5710% | 4,094 |
| Net charge-offs to loans | -0.0385% | 4,297 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.3482% | 970 |
| Assets per employee ($millions) | 6.1070% | 2,675 |
| Cash dividends to net income (ytd only)* | 106.3830% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 2,550 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 56.4500% | 3,007 |
| Net loans and leases to deposits | 63.8239% | 3,102 |
| Net loans and leases to core deposits | 80.9750% | 2,184 |
| Total domestic deposits to total assets | 88.4500% | 1,759 |
| Equity capital to assets | 7.8344% | 3,355 |
| Core capital (leverage) ratio | 10.9817% | 1,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $53,776,500 | 4,375 |
| Average earning assets | $49,410,500 | 4,357 |
| Average equity | $4,203,000 | 4,433 |
| Average total loans | $31,206,000 | 4,209 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8997% | 1,983 |
| Cost of funding earning assets | 0.5944% | 922 |
| Net interest margin | 3.3053% | 2,553 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.7889% | 1,340 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8010% | 3,323 |
| Return on assets (ROA) | 0.8010% | 3,249 |
| Pretax return on assets | 0.8322% | 3,542 |
| Return on Equity (ROE) | 9.0200% | 3,128 |
| Retained earnings to average equity (ytd only) | 4.6319% | 3,201 |
| Net charge-offs to loans | -0.0975% | 4,516 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.0183% | 921 |
| Assets per employee ($millions) | 5.8433% | 2,909 |
| Cash dividends to net income (ytd only)* | 48.6618% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 2,356 |
| Loan loss allowance to noncurrent loans | 205.4945% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.3461% | 1,471 |
| Noncurrent loans to loans | 0.5870% | 1,271 |
| Net loans and leases to total assets | 58.2500% | 2,800 |
| Net loans and leases to deposits | 69.5020% | 2,624 |
| Net loans and leases to core deposits | 88.2694% | 1,593 |
| Total domestic deposits to total assets | 83.8100% | 3,251 |
| Equity capital to assets | 7.7962% | 3,189 |
| Core capital (leverage) ratio | 11.3192% | 1,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $51,310,200 | 4,431 |
| Average earning assets | $47,106,000 | 4,407 |
| Average equity | $4,555,400 | 4,478 |
| Average total loans | $29,756,000 | 4,245 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8058% | 1,742 |
| Cost of funding earning assets | 0.4665% | 897 |
| Net interest margin | 3.3393% | 2,173 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.7795% | 1,289 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8995% | 2,866 |
| Return on assets (ROA) | 0.8995% | 2,846 |
| Pretax return on assets | 0.9361% | 3,219 |
| Return on Equity (ROE) | 9.8200% | 2,787 |
| Retained earnings to average equity (ytd only) | 4.1119% | 3,406 |
| Net charge-offs to loans | -0.1087% | 4,513 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.8065% | 1,197 |
| Assets per employee ($millions) | 5.6274% | 3,100 |
| Cash dividends to net income (ytd only)* | 58.1395% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 2,336 |
| Loan loss allowance to noncurrent loans | 202.7473% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.3594% | 1,506 |
| Noncurrent loans to loans | 0.6106% | 1,328 |
| Net loans and leases to total assets | 58.1300% | 2,681 |
| Net loans and leases to deposits | 66.3953% | 2,685 |
| Net loans and leases to core deposits | 85.3478% | 1,560 |
| Total domestic deposits to total assets | 87.5500% | 2,579 |
| Equity capital to assets | 7.5167% | 3,215 |
| Core capital (leverage) ratio | 11.1191% | 1,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $50,990,250 | 4,465 |
| Average earning assets | $46,874,500 | 4,443 |
| Average equity | $4,669,250 | 4,506 |
| Average total loans | $29,443,250 | 4,275 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6649% | 1,635 |
| Cost of funding earning assets | 0.3873% | 1,006 |
| Net interest margin | 3.2775% | 1,974 |
| Noninterest income to average assets | 0.7475% | 1,177 |
| Noninterest expense to average assets | 2.8334% | 1,108 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8923% | 2,613 |
| Return on assets (ROA) | 0.8923% | 2,587 |
| Pretax return on assets | 0.9275% | 2,974 |
| Return on Equity (ROE) | 9.1997% | 2,630 |
| Retained earnings to average equity (ytd only) | 5.1648% | 2,646 |
| Net charge-offs to loans | -0.1501% | 4,532 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3382% | 1,354 |
| Assets per employee ($millions) | 5.6026% | 3,126 |
| Cash dividends to net income (ytd only)* | 43.8596% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 2,440 |
| Loan loss allowance to noncurrent loans | 201.0989% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.3609% | 1,554 |
| Noncurrent loans to loans | 0.6201% | 1,367 |
| Net loans and leases to total assets | 57.4777% | 2,587 |
| Net loans and leases to deposits | 66.3903% | 2,514 |
| Net loans and leases to core deposits | 82.2371% | 1,582 |
| Total domestic deposits to total assets | 86.5756% | 3,087 |
| Equity capital to assets | 8.6290% | 2,670 |
| Core capital (leverage) ratio | 11.1610% | 1,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,104,667 | 4,501 |
| Average earning assets | $46,986,667 | 4,491 |
| Average equity | $4,956,667 | 4,525 |
| Average total loans | $29,321,667 | 4,330 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6070% | 1,490 |
| Cost of funding earning assets | 0.3734% | 1,034 |
| Net interest margin | 3.2336% | 1,770 |
| Noninterest income to average assets | 1.0730% | 588 |
| Noninterest expense to average assets | 2.8224% | 1,116 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1818% | 1,294 |
| Return on assets (ROA) | 1.1818% | 1,291 |
| Pretax return on assets | 1.2129% | 1,758 |
| Return on Equity (ROE) | 11.5600% | 1,434 |
| Retained earnings to average equity (ytd only) | 3.9547% | 2,946 |
| Net charge-offs to loans | -0.2593% | 4,638 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9422% | 2,241 |
| Assets per employee ($millions) | 5.7493% | 3,056 |
| Cash dividends to net income (ytd only)* | 65.7895% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 2,587 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.3517% | 1,697 |
| Noncurrent loans to loans | 0.6262% | 1,496 |
| Net loans and leases to total assets | 55.4634% | 2,583 |
| Net loans and leases to deposits | 64.3533% | 2,495 |
| Net loans and leases to core deposits | 80.7422% | 1,434 |
| Total domestic deposits to total assets | 86.1858% | 3,201 |
| Equity capital to assets | 9.3634% | 2,395 |
| Core capital (leverage) ratio | 11.0623% | 1,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,445,500 | 4,525 |
| Average earning assets | $47,130,000 | 4,517 |
| Average equity | $5,259,500 | 4,541 |
| Average total loans | $29,308,500 | 4,344 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6813% | 2,173 |
| Cost of funding earning assets | 0.4653% | 1,096 |
| Net interest margin | 3.2160% | 2,569 |
| Noninterest income to average assets | 0.8502% | 1,321 |
| Noninterest expense to average assets | 2.8332% | 1,281 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9065% | 3,014 |
| Return on assets (ROA) | 0.9293% | 3,006 |
| Pretax return on assets | 0.9648% | 3,346 |
| Return on Equity (ROE) | 8.1867% | 3,163 |
| Retained earnings to average equity (ytd only) | 5.0514% | 2,765 |
| Net charge-offs to loans | -0.1387% | 4,653 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0655% | 1,204 |
| Assets per employee ($millions) | 5.6830% | 3,078 |
| Cash dividends to net income (ytd only)* | 38.2979% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 3,062 |
| Loan loss allowance to noncurrent loans | 185.9459% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 1.3784% | 321 |
| Noncurrent loans to loans | 0.6260% | 1,584 |
| Net loans and leases to total assets | 57.1099% | 2,466 |
| Net loans and leases to deposits | 67.8576% | 2,324 |
| Net loans and leases to core deposits | 87.3818% | 1,118 |
| Total domestic deposits to total assets | 84.1613% | 3,518 |
| Equity capital to assets | 11.0935% | 1,742 |
| Core capital (leverage) ratio | 11.0524% | 1,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,578,200 | 4,554 |
| Average earning assets | $45,989,400 | 4,549 |
| Average equity | $5,741,000 | 4,553 |
| Average total loans | $29,557,800 | 4,381 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7282% | 2,198 |
| Cost of funding earning assets | 0.4820% | 1,152 |
| Net interest margin | 3.2462% | 2,591 |
| Noninterest income to average assets | 1.0072% | 1,059 |
| Noninterest expense to average assets | 2.7757% | 1,395 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1486% | 2,371 |
| Return on assets (ROA) | 1.1922% | 2,252 |
| Pretax return on assets | 1.2319% | 2,829 |
| Return on Equity (ROE) | 10.4436% | 2,571 |
| Retained earnings to average equity (ytd only) | 6.2754% | 2,709 |
| Net charge-offs to loans | -0.1579% | 4,734 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0467% | 1,594 |
| Assets per employee ($millions) | 5.5889% | 3,105 |
| Cash dividends to net income (ytd only)* | 39.9113% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 3,127 |
| Loan loss allowance to noncurrent loans | 183.2432% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 1.4016% | 375 |
| Noncurrent loans to loans | 0.6375% | 1,710 |
| Net loans and leases to total assets | 57.0199% | 2,611 |
| Net loans and leases to deposits | 68.9364% | 2,338 |
| Net loans and leases to core deposits | 89.5246% | 1,060 |
| Total domestic deposits to total assets | 82.7137% | 3,775 |
| Equity capital to assets | 11.3917% | 1,746 |
| Core capital (leverage) ratio | 10.9027% | 1,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,436,000 | 4,619 |
| Average earning assets | $45,919,750 | 4,612 |
| Average equity | $5,757,750 | 4,620 |
| Average total loans | $29,558,750 | 4,443 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7278% | 2,260 |
| Cost of funding earning assets | 0.4921% | 1,247 |
| Net interest margin | 3.2357% | 2,652 |
| Noninterest income to average assets | 1.3233% | 671 |
| Noninterest expense to average assets | 2.8684% | 1,214 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3642% | 1,669 |
| Return on assets (ROA) | 1.4302% | 1,547 |
| Pretax return on assets | 1.4659% | 2,121 |
| Return on Equity (ROE) | 12.5195% | 1,877 |
| Retained earnings to average equity (ytd only) | 12.5195% | 810 |
| Net charge-offs to loans | -0.2287% | 4,811 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2238% | 1,978 |
| Assets per employee ($millions) | 5.6602% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 3,291 |
| Loan loss allowance to noncurrent loans | 182.7027% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 1.3839% | 446 |
| Noncurrent loans to loans | 0.6184% | 1,864 |
| Net loans and leases to total assets | 58.0582% | 2,661 |
| Net loans and leases to deposits | 69.7185% | 2,441 |
| Net loans and leases to core deposits | 89.6868% | 1,160 |
| Total domestic deposits to total assets | 83.2751% | 3,647 |
| Equity capital to assets | 11.5818% | 1,582 |
| Core capital (leverage) ratio | 10.9147% | 1,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,481,333 | 4,648 |
| Average earning assets | $45,925,333 | 4,640 |
| Average equity | $5,767,000 | 4,648 |
| Average total loans | $29,738,333 | 4,472 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7934% | 2,119 |
| Cost of funding earning assets | 0.5081% | 1,341 |
| Net interest margin | 3.2853% | 2,432 |
| Noninterest income to average assets | 1.3691% | 696 |
| Noninterest expense to average assets | 2.5870% | 1,915 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7380% | 884 |
| Return on assets (ROA) | 1.8706% | 746 |
| Pretax return on assets | 1.9024% | 1,112 |
| Return on Equity (ROE) | 16.4898% | 930 |
| Retained earnings to average equity (ytd only) | 16.4898% | 466 |
| Net charge-offs to loans | -0.4182% | 4,877 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4150% | 3,097 |
| Assets per employee ($millions) | 5.7298% | 2,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 3,448 |
| Loan loss allowance to noncurrent loans | 181.0811% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 1.5029% | 424 |
| Noncurrent loans to loans | 0.6058% | 2,054 |
| Net loans and leases to total assets | 58.5673% | 2,730 |
| Net loans and leases to deposits | 69.7973% | 2,526 |
| Net loans and leases to core deposits | 90.7894% | 1,183 |
| Total domestic deposits to total assets | 83.9106% | 3,468 |
| Equity capital to assets | 11.0495% | 1,823 |
| Core capital (leverage) ratio | 11.0186% | 1,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $50,251,000 | 4,669 |
| Average earning assets | $45,658,000 | 4,665 |
| Average equity | $5,700,500 | 4,671 |
| Average total loans | $29,650,500 | 4,500 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4969% | 1,321 |
| Cost of funding earning assets | 0.8273% | 1,100 |
| Net interest margin | 3.6695% | 1,913 |
| Noninterest income to average assets | 0.6199% | 2,138 |
| Noninterest expense to average assets | 2.8701% | 1,760 |
| Loan and lease loss provision to assets | 0.2619% | 1,476 |
| Net operating income to assets | 0.7498% | 3,261 |
| Return on assets (ROA) | 0.8294% | 3,109 |
| Pretax return on assets | 0.8621% | 3,467 |
| Return on Equity (ROE) | 6.7295% | 3,310 |
| Retained earnings to average equity (ytd only) | 0.3542% | 4,408 |
| Net charge-offs to loans | 0.5367% | 290 |
| Credit loss provision to net charge-offs | 79.4702% | 2,991 |
| Earnings coverage of net charge-offs (x) | 3.1589% | 3,110 |
| Efficiency ratio | 73.3817% | 1,522 |
| Assets per employee ($millions) | 5.4371% | 2,909 |
| Cash dividends to net income (ytd only)* | 94.7368% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0569% | 3,650 |
| Loan loss allowance to noncurrent loans | 157.5130% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 1.6001% | 437 |
| Noncurrent loans to loans | 0.6710% | 2,005 |
| Net loans and leases to total assets | 58.1600% | 3,070 |
| Net loans and leases to deposits | 71.1874% | 2,766 |
| Net loans and leases to core deposits | 96.0740% | 1,115 |
| Total domestic deposits to total assets | 81.6998% | 3,730 |
| Equity capital to assets | 11.6545% | 1,766 |
| Core capital (leverage) ratio | 11.1095% | 1,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,817,200 | 4,701 |
| Average earning assets | $41,095,200 | 4,705 |
| Average equity | $5,646,800 | 4,681 |
| Average total loans | $28,135,000 | 4,551 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7048% | 1,054 |
| Cost of funding earning assets | 0.9026% | 1,064 |
| Net interest margin | 3.8022% | 1,615 |
| Noninterest income to average assets | 0.6542% | 1,968 |
| Noninterest expense to average assets | 2.7472% | 2,129 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2787% | 1,403 |
| Return on assets (ROA) | 1.3677% | 1,280 |
| Pretax return on assets | 1.4032% | 1,724 |
| Return on Equity (ROE) | 10.9358% | 1,703 |
| Retained earnings to average equity (ytd only) | 2.4144% | 3,778 |
| Net charge-offs to loans | -0.0524% | 4,691 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6878% | 2,228 |
| Assets per employee ($millions) | 5.2361% | 2,975 |
| Cash dividends to net income (ytd only)* | 77.9221% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 2,437 |
| Loan loss allowance to noncurrent loans | 96.6480% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 2.0117% | 328 |
| Noncurrent loans to loans | 1.2844% | 1,159 |
| Net loans and leases to total assets | 58.4127% | 3,379 |
| Net loans and leases to deposits | 71.4134% | 3,186 |
| Net loans and leases to core deposits | 96.3696% | 1,428 |
| Total domestic deposits to total assets | 81.7952% | 3,471 |
| Equity capital to assets | 12.3013% | 1,515 |
| Core capital (leverage) ratio | 11.6273% | 1,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $45,038,000 | 4,731 |
| Average earning assets | $40,326,500 | 4,736 |
| Average equity | $5,632,750 | 4,702 |
| Average total loans | $27,977,750 | 4,581 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8229% | 1,112 |
| Cost of funding earning assets | 0.9585% | 1,114 |
| Net interest margin | 3.8644% | 1,655 |
| Noninterest income to average assets | 0.7036% | 1,723 |
| Noninterest expense to average assets | 2.8370% | 2,006 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2864% | 1,393 |
| Return on assets (ROA) | 1.3170% | 1,416 |
| Pretax return on assets | 1.3531% | 1,855 |
| Return on Equity (ROE) | 10.4697% | 1,820 |
| Retained earnings to average equity (ytd only) | 3.2987% | 3,270 |
| Net charge-offs to loans | -0.1357% | 4,898 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2213% | 2,207 |
| Assets per employee ($millions) | 5.7140% | 2,433 |
| Cash dividends to net income (ytd only)* | 68.4932% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 2,445 |
| Loan loss allowance to noncurrent loans | 111.3208% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 1.9863% | 362 |
| Noncurrent loans to loans | 1.0906% | 1,437 |
| Net loans and leases to total assets | 63.0141% | 3,005 |
| Net loans and leases to deposits | 77.9208% | 2,662 |
| Net loans and leases to core deposits | 99.6644% | 1,281 |
| Total domestic deposits to total assets | 80.8694% | 3,638 |
| Equity capital to assets | 12.6509% | 1,312 |
| Core capital (leverage) ratio | 11.6955% | 1,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,342,333 | 4,760 |
| Average earning assets | $39,644,333 | 4,764 |
| Average equity | $5,578,000 | 4,734 |
| Average total loans | $28,012,667 | 4,597 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9668% | 1,030 |
| Cost of funding earning assets | 1.0467% | 1,234 |
| Net interest margin | 3.9201% | 1,607 |
| Noninterest income to average assets | 0.4306% | 2,906 |
| Noninterest expense to average assets | 2.8769% | 2,188 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0170% | 2,126 |
| Return on assets (ROA) | 1.0170% | 2,227 |
| Pretax return on assets | 1.0537% | 2,656 |
| Return on Equity (ROE) | 8.1088% | 2,474 |
| Retained earnings to average equity (ytd only) | -6.5017% | 4,610 |
| Net charge-offs to loans | -0.0875% | 4,793 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1935% | 1,917 |
| Assets per employee ($millions) | 4.9449% | 2,710 |
| Cash dividends to net income (ytd only)* | 180.1802% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 2,669 |
| Loan loss allowance to noncurrent loans | 222.8758% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 1.6807% | 589 |
| Noncurrent loans to loans | 0.5387% | 2,648 |
| Net loans and leases to total assets | 63.0528% | 3,181 |
| Net loans and leases to deposits | 77.8478% | 2,904 |
| Net loans and leases to core deposits | 101.3545% | 1,371 |
| Total domestic deposits to total assets | 80.9950% | 3,663 |
| Equity capital to assets | 12.3742% | 1,815 |
| Core capital (leverage) ratio | 11.8468% | 1,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,657,500 | 4,803 |
| Average earning assets | $38,979,000 | 4,801 |
| Average equity | $5,475,500 | 4,788 |
| Average total loans | $27,439,500 | 4,644 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3491% | 749 |
| Cost of funding earning assets | 1.2311% | 945 |
| Net interest margin | 4.1180% | 1,491 |
| Noninterest income to average assets | 1.8249% | 302 |
| Noninterest expense to average assets | 3.1342% | 1,679 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.3259% | 178 |
| Return on assets (ROA) | 2.3165% | 193 |
| Pretax return on assets | 2.3548% | 272 |
| Return on Equity (ROE) | 18.2671% | 323 |
| Retained earnings to average equity (ytd only) | 7.4884% | 1,175 |
| Net charge-offs to loans | 0.0077% | 3,403 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 493.0000% | 189 |
| Efficiency ratio | 56.9996% | 4,091 |
| Assets per employee ($millions) | 4.7568% | 2,884 |
| Cash dividends to net income (ytd only)* | 59.0062% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 2,088 |
| Loan loss allowance to noncurrent loans | 104.3614% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 2.1396% | 355 |
| Noncurrent loans to loans | 1.2124% | 1,239 |
| Net loans and leases to total assets | 61.0637% | 3,495 |
| Net loans and leases to deposits | 76.2825% | 3,152 |
| Net loans and leases to core deposits | 95.9621% | 1,907 |
| Total domestic deposits to total assets | 80.0495% | 3,970 |
| Equity capital to assets | 12.7164% | 1,697 |
| Core capital (leverage) ratio | 12.3107% | 1,587 |
| Tier 1 risk-based capital ratio | 17.0314% | 2,042 |
| Total risk-based capital ratio | 18.1129% | 2,042 |
| Memoranda: | ||
| Average total assets | $41,701,600 | 4,868 |
| Average earning assets | $37,202,200 | 4,874 |
| Average equity | $5,288,200 | 4,852 |
| Average total loans | $26,086,200 | 4,728 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4852% | 599 |
| Cost of funding earning assets | 1.2567% | 895 |
| Net interest margin | 4.2286% | 1,308 |
| Noninterest income to average assets | 2.2176% | 226 |
| Noninterest expense to average assets | 3.0288% | 1,898 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.9193% | 93 |
| Return on assets (ROA) | 2.9161% | 98 |
| Pretax return on assets | 2.9547% | 123 |
| Return on Equity (ROE) | 23.0122% | 131 |
| Retained earnings to average equity (ytd only) | 8.5344% | 1,194 |
| Net charge-offs to loans | -0.0872% | 4,968 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5914% | 4,705 |
| Assets per employee ($millions) | 4.5918% | 3,062 |
| Cash dividends to net income (ytd only)* | 62.9138% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3585% | 1,730 |
| Loan loss allowance to noncurrent loans | 1,416.0000% | 432 |
| Noncurrent assets plus other real estate owned to assets | 1.5003% | 736 |
| Noncurrent loans to loans | 0.0959% | 4,218 |
| Net loans and leases to total assets | 62.1981% | 3,474 |
| Net loans and leases to deposits | 78.6055% | 3,043 |
| Net loans and leases to core deposits | 99.0139% | 1,740 |
| Total domestic deposits to total assets | 79.1269% | 4,159 |
| Equity capital to assets | 13.0668% | 1,592 |
| Core capital (leverage) ratio | 12.4707% | 1,588 |
| Tier 1 risk-based capital ratio | 17.3278% | 1,988 |
| Total risk-based capital ratio | 18.5038% | 1,969 |
| Memoranda: | ||
| Average total assets | $41,424,250 | 4,942 |
| Average earning assets | $36,922,500 | 4,956 |
| Average equity | $5,249,250 | 4,921 |
| Average total loans | $25,988,500 | 4,797 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6262% | 452 |
| Cost of funding earning assets | 1.2797% | 789 |
| Net interest margin | 4.3466% | 1,052 |
| Noninterest income to average assets | 3.0538% | 148 |
| Noninterest expense to average assets | 3.0972% | 1,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 3.8015% | 59 |
| Return on assets (ROA) | 3.8015% | 63 |
| Pretax return on assets | 3.8401% | 74 |
| Return on Equity (ROE) | 30.3135% | 43 |
| Retained earnings to average equity (ytd only) | 11.0791% | 537 |
| Net charge-offs to loans | -0.1463% | 5,077 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6453% | 5,042 |
| Assets per employee ($millions) | 4.6274% | 2,967 |
| Cash dividends to net income (ytd only)* | 63.4518% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 1,726 |
| Loan loss allowance to noncurrent loans | 91.5167% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 2.3627% | 326 |
| Noncurrent loans to loans | 1.4993% | 1,033 |
| Net loans and leases to total assets | 61.4426% | 3,607 |
| Net loans and leases to deposits | 75.7946% | 3,352 |
| Net loans and leases to core deposits | 97.8173% | 1,897 |
| Total domestic deposits to total assets | 81.0647% | 3,784 |
| Equity capital to assets | 12.7500% | 1,723 |
| Core capital (leverage) ratio | 12.4599% | 1,556 |
| Tier 1 risk-based capital ratio | 17.3265% | 1,990 |
| Total risk-based capital ratio | 18.5198% | 1,961 |
| Memoranda: | ||
| Average total assets | $41,457,000 | 4,983 |
| Average earning assets | $37,040,670 | 4,991 |
| Average equity | $5,199,000 | 4,960 |
| Average total loans | $25,965,330 | 4,832 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7521% | 2,050 |
| Cost of funding earning assets | 1.3176% | 626 |
| Net interest margin | 3.4345% | 3,795 |
| Noninterest income to average assets | 5.2899% | 89 |
| Noninterest expense to average assets | 3.0850% | 1,761 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 5.2415% | 39 |
| Return on assets (ROA) | 5.2415% | 42 |
| Pretax return on assets | 5.2802% | 47 |
| Return on Equity (ROE) | 42.1503% | 24 |
| Retained earnings to average equity (ytd only) | 42.1503% | 10 |
| Net charge-offs to loans | -0.1386% | 5,104 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.8786% | 5,258 |
| Assets per employee ($millions) | 4.5777% | 3,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3355% | 1,934 |
| Loan loss allowance to noncurrent loans | 23.2215% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 3.6166% | 146 |
| Noncurrent loans to loans | 5.7511% | 83 |
| Net loans and leases to total assets | 62.0452% | 3,495 |
| Net loans and leases to deposits | 76.1340% | 3,247 |
| Net loans and leases to core deposits | 96.6354% | 1,888 |
| Total domestic deposits to total assets | 81.4947% | 3,857 |
| Equity capital to assets | 13.2770% | 1,303 |
| Core capital (leverage) ratio | 13.0235% | 1,265 |
| Tier 1 risk-based capital ratio | 18.8077% | 1,584 |
| Total risk-based capital ratio | 20.0076% | 1,561 |
| Memoranda: | ||
| Average total assets | $41,362,000 | 5,039 |
| Average earning assets | $37,036,000 | 5,041 |
| Average equity | $5,143,500 | 5,009 |
| Average total loans | $25,975,500 | 4,883 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7502% | 1,679 |
| Cost of funding earning assets | 0.9781% | 825 |
| Net interest margin | 3.7721% | 2,771 |
| Noninterest income to average assets | 0.5167% | 2,737 |
| Noninterest expense to average assets | 3.1483% | 1,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6835% | 4,188 |
| Return on assets (ROA) | 0.6763% | 4,222 |
| Pretax return on assets | 0.7016% | 4,411 |
| Return on Equity (ROE) | 5.5396% | 4,310 |
| Retained earnings to average equity (ytd only) | -0.1660% | 5,007 |
| Net charge-offs to loans | -0.0770% | 5,087 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6152% | 831 |
| Assets per employee ($millions) | 4.6139% | 2,998 |
| Cash dividends to net income (ytd only)* | 102.9963% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 2,065 |
| Loan loss allowance to noncurrent loans | 22.6783% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 3.5786% | 142 |
| Noncurrent loans to loans | 5.7059% | 86 |
| Net loans and leases to total assets | 61.9049% | 3,575 |
| Net loans and leases to deposits | 78.2980% | 3,134 |
| Net loans and leases to core deposits | 104.8027% | 1,357 |
| Total domestic deposits to total assets | 79.0632% | 4,300 |
| Equity capital to assets | 11.6002% | 2,177 |
| Core capital (leverage) ratio | 12.0494% | 1,706 |
| Tier 1 risk-based capital ratio | 16.3468% | 2,289 |
| Total risk-based capital ratio | 17.4756% | 2,277 |
| Memoranda: | ||
| Average total assets | $39,482,200 | 5,106 |
| Average earning assets | $34,966,800 | 5,114 |
| Average equity | $4,819,800 | 5,074 |
| Average total loans | $23,383,400 | 4,990 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6586% | 1,799 |
| Cost of funding earning assets | 0.9109% | 880 |
| Net interest margin | 3.7477% | 2,835 |
| Noninterest income to average assets | 0.5440% | 2,597 |
| Noninterest expense to average assets | 3.0586% | 1,861 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7762% | 3,990 |
| Return on assets (ROA) | 0.7664% | 4,034 |
| Pretax return on assets | 0.7971% | 4,297 |
| Return on Equity (ROE) | 6.1956% | 4,202 |
| Retained earnings to average equity (ytd only) | -1.4106% | 5,155 |
| Net charge-offs to loans | -0.0528% | 4,949 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1150% | 1,023 |
| Assets per employee ($millions) | 4.0117% | 3,866 |
| Cash dividends to net income (ytd only)* | 122.7684% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3485% | 1,892 |
| Loan loss allowance to noncurrent loans | 21.8667% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 3.7391% | 145 |
| Noncurrent loans to loans | 6.1670% | 73 |
| Net loans and leases to total assets | 59.8125% | 3,861 |
| Net loans and leases to deposits | 74.7717% | 3,523 |
| Net loans and leases to core deposits | 98.2154% | 1,919 |
| Total domestic deposits to total assets | 79.9935% | 4,125 |
| Equity capital to assets | 11.6734% | 2,128 |
| Core capital (leverage) ratio | 12.0542% | 1,756 |
| Tier 1 risk-based capital ratio | 17.5987% | 1,897 |
| Total risk-based capital ratio | 18.7921% | 1,874 |
| Memoranda: | ||
| Average total assets | $38,971,500 | 5,174 |
| Average earning assets | $34,544,250 | 5,182 |
| Average equity | $4,820,500 | 5,134 |
| Average total loans | $22,718,500 | 5,073 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5665% | 1,883 |
| Cost of funding earning assets | 0.8223% | 1,035 |
| Net interest margin | 3.7442% | 2,772 |
| Noninterest income to average assets | 0.5701% | 2,477 |
| Noninterest expense to average assets | 3.1252% | 1,726 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7405% | 4,067 |
| Return on assets (ROA) | 0.7256% | 4,123 |
| Pretax return on assets | 0.7567% | 4,373 |
| Return on Equity (ROE) | 5.7538% | 4,327 |
| Retained earnings to average equity (ytd only) | 4.7264% | 3,220 |
| Net charge-offs to loans | 0.0270% | 2,312 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 49.6667% | 1,130 |
| Efficiency ratio | 80.1862% | 1,002 |
| Assets per employee ($millions) | 4.3277% | 3,390 |
| Cash dividends to net income (ytd only)* | 17.8571% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4448% | 1,578 |
| Loan loss allowance to noncurrent loans | 21.8081% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 3.7202% | 165 |
| Noncurrent loans to loans | 6.6252% | 70 |
| Net loans and leases to total assets | 55.3416% | 4,213 |
| Net loans and leases to deposits | 70.5888% | 3,811 |
| Net loans and leases to core deposits | 87.4371% | 2,778 |
| Total domestic deposits to total assets | 78.4000% | 4,525 |
| Equity capital to assets | 12.5600% | 1,500 |
| Core capital (leverage) ratio | 12.7764% | 1,321 |
| Tier 1 risk-based capital ratio | 19.7373% | 1,371 |
| Total risk-based capital ratio | 20.9839% | 1,345 |
| Memoranda: | ||
| Average total assets | $38,589,670 | 5,245 |
| Average earning assets | $34,293,330 | 5,249 |
| Average equity | $4,866,330 | 5,183 |
| Average total loans | $22,183,670 | 5,145 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3443% | 2,367 |
| Cost of funding earning assets | 0.7494% | 1,195 |
| Net interest margin | 3.5948% | 3,203 |
| Noninterest income to average assets | 0.5415% | 2,568 |
| Noninterest expense to average assets | 3.1450% | 1,701 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5728% | 4,504 |
| Return on assets (ROA) | 0.5728% | 4,511 |
| Pretax return on assets | 0.5936% | 4,700 |
| Return on Equity (ROE) | 4.5328% | 4,623 |
| Retained earnings to average equity (ytd only) | 2.4724% | 4,179 |
| Net charge-offs to loans | 0.1970% | 750 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 5.1818% | 2,252 |
| Efficiency ratio | 84.1226% | 789 |
| Assets per employee ($millions) | 4.2826% | 3,515 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3706% | 1,954 |
| Loan loss allowance to noncurrent loans | 21.1975% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 3.7698% | 177 |
| Noncurrent loans to loans | 6.4658% | 89 |
| Net loans and leases to total assets | 57.5046% | 3,990 |
| Net loans and leases to deposits | 71.0180% | 3,697 |
| Net loans and leases to core deposits | 86.0337% | 2,800 |
| Total domestic deposits to total assets | 80.9719% | 4,215 |
| Equity capital to assets | 12.5289% | 1,468 |
| Core capital (leverage) ratio | 12.9158% | 1,211 |
| Tier 1 risk-based capital ratio | 19.1856% | 1,511 |
| Total risk-based capital ratio | 20.3869% | 1,479 |
| Memoranda: | ||
| Average total assets | $38,410,000 | 5,300 |
| Average earning assets | $34,160,000 | 5,311 |
| Average equity | $4,853,500 | 5,239 |
| Average total loans | $22,340,000 | 5,199 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1853% | 2,742 |
| Cost of funding earning assets | 0.6318% | 1,406 |
| Net interest margin | 3.5535% | 3,326 |
| Noninterest income to average assets | 0.5790% | 2,560 |
| Noninterest expense to average assets | 3.2829% | 1,408 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4489% | 4,538 |
| Return on assets (ROA) | 0.4489% | 4,567 |
| Pretax return on assets | 0.4668% | 4,980 |
| Return on Equity (ROE) | 3.5839% | 4,653 |
| Retained earnings to average equity (ytd only) | -0.0815% | 5,041 |
| Net charge-offs to loans | 0.2944% | 888 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 2.8154% | 3,696 |
| Efficiency ratio | 87.5510% | 558 |
| Assets per employee ($millions) | 4.2530% | 3,576 |
| Cash dividends to net income (ytd only)* | 102.2727% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4364% | 1,626 |
| Loan loss allowance to noncurrent loans | 20.9043% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 3.9867% | 151 |
| Noncurrent loans to loans | 6.8714% | 67 |
| Net loans and leases to total assets | 57.1858% | 4,087 |
| Net loans and leases to deposits | 71.7460% | 3,726 |
| Net loans and leases to core deposits | 89.6612% | 2,599 |
| Total domestic deposits to total assets | 79.7058% | 4,395 |
| Equity capital to assets | 12.7439% | 1,390 |
| Core capital (leverage) ratio | 12.8320% | 1,207 |
| Tier 1 risk-based capital ratio | 18.9122% | 1,523 |
| Total risk-based capital ratio | 20.1462% | 1,493 |
| Memoranda: | ||
| Average total assets | $39,203,200 | 5,338 |
| Average earning assets | $34,979,600 | 5,350 |
| Average equity | $4,910,800 | 5,286 |
| Average total loans | $22,081,800 | 5,253 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 2,364 |
| Cost of funding earning assets | 0.6098% | 1,461 |
| Net interest margin | 3.6587% | 2,920 |
| Noninterest income to average assets | 0.5376% | 2,794 |
| Noninterest expense to average assets | 3.2120% | 1,529 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5680% | 4,514 |
| Return on assets (ROA) | 0.5680% | 4,553 |
| Pretax return on assets | 0.5917% | 4,862 |
| Return on Equity (ROE) | 4.5536% | 4,691 |
| Retained earnings to average equity (ytd only) | -0.3253% | 5,262 |
| Net charge-offs to loans | 0.4595% | 454 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 2.3027% | 3,482 |
| Efficiency ratio | 84.4444% | 723 |
| Assets per employee ($millions) | 4.3558% | 3,381 |
| Cash dividends to net income (ytd only)* | 107.1432% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 2,282 |
| Loan loss allowance to noncurrent loans | 21.0959% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 3.7243% | 186 |
| Noncurrent loans to loans | 6.2404% | 95 |
| Net loans and leases to total assets | 58.8950% | 3,975 |
| Net loans and leases to deposits | 71.3143% | 3,847 |
| Net loans and leases to core deposits | 91.3291% | 2,508 |
| Total domestic deposits to total assets | 82.5851% | 3,587 |
| Equity capital to assets | 12.5657% | 1,625 |
| Core capital (leverage) ratio | 12.2154% | 1,560 |
| Tier 1 risk-based capital ratio | 18.4156% | 1,755 |
| Total risk-based capital ratio | 19.5671% | 1,734 |
| Memoranda: | ||
| Average total assets | $39,434,750 | 5,394 |
| Average earning assets | $35,202,500 | 5,405 |
| Average equity | $4,919,000 | 5,344 |
| Average total loans | $22,050,250 | 5,309 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0864% | 2,871 |
| Cost of funding earning assets | 0.5668% | 1,669 |
| Net interest margin | 3.5196% | 3,326 |
| Noninterest income to average assets | 0.5467% | 2,737 |
| Noninterest expense to average assets | 3.1130% | 1,806 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5560% | 4,493 |
| Return on assets (ROA) | 0.5365% | 4,622 |
| Pretax return on assets | 0.5568% | 4,890 |
| Return on Equity (ROE) | 4.3119% | 4,725 |
| Retained earnings to average equity (ytd only) | 2.0746% | 4,423 |
| Net charge-offs to loans | -0.1111% | 5,439 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3621% | 813 |
| Assets per employee ($millions) | 4.4277% | 3,223 |
| Cash dividends to net income (ytd only)* | 51.8868% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7953% | 897 |
| Loan loss allowance to noncurrent loans | 27.6923% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 3.5885% | 218 |
| Noncurrent loans to loans | 6.4832% | 89 |
| Net loans and leases to total assets | 54.3577% | 4,362 |
| Net loans and leases to deposits | 66.1526% | 4,214 |
| Net loans and leases to core deposits | 82.1426% | 3,240 |
| Total domestic deposits to total assets | 82.1702% | 3,841 |
| Equity capital to assets | 12.5373% | 1,604 |
| Core capital (leverage) ratio | 12.2637% | 1,496 |
| Tier 1 risk-based capital ratio | 19.0932% | 1,579 |
| Total risk-based capital ratio | 20.3483% | 1,522 |
| Memoranda: | ||
| Average total assets | $39,512,330 | 5,437 |
| Average earning assets | $35,288,000 | 5,446 |
| Average equity | $4,916,670 | 5,380 |
| Average total loans | $21,601,670 | 5,363 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0669% | 2,779 |
| Cost of funding earning assets | 0.5369% | 1,809 |
| Net interest margin | 3.5300% | 3,163 |
| Noninterest income to average assets | 0.4880% | 3,055 |
| Noninterest expense to average assets | 3.1110% | 1,836 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4982% | 4,605 |
| Return on assets (ROA) | 0.4982% | 4,629 |
| Pretax return on assets | 0.5185% | 4,930 |
| Return on Equity (ROE) | 4.0189% | 4,772 |
| Retained earnings to average equity (ytd only) | 0.7382% | 4,737 |
| Net charge-offs to loans | -0.0187% | 4,703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7143% | 818 |
| Assets per employee ($millions) | 4.0031% | 4,002 |
| Cash dividends to net income (ytd only)* | 81.6327% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7785% | 1,002 |
| Loan loss allowance to noncurrent loans | 27.2277% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 3.5323% | 240 |
| Noncurrent loans to loans | 6.5321% | 90 |
| Net loans and leases to total assets | 53.1138% | 4,412 |
| Net loans and leases to deposits | 64.3601% | 4,290 |
| Net loans and leases to core deposits | 79.1498% | 3,372 |
| Total domestic deposits to total assets | 82.5260% | 4,000 |
| Equity capital to assets | 12.2055% | 1,706 |
| Core capital (leverage) ratio | 12.2884% | 1,454 |
| Tier 1 risk-based capital ratio | 19.1977% | 1,563 |
| Total risk-based capital ratio | 20.4511% | 1,531 |
| Memoranda: | ||
| Average total assets | $39,344,000 | 5,507 |
| Average earning assets | $35,014,500 | 5,516 |
| Average equity | $4,877,000 | 5,441 |
| Average total loans | $21,374,000 | 5,424 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1480% | 2,666 |
| Cost of funding earning assets | 0.5042% | 2,057 |
| Net interest margin | 3.6438% | 2,914 |
| Noninterest income to average assets | 0.4847% | 3,326 |
| Noninterest expense to average assets | 3.1862% | 1,824 |
| Loan and lease loss provision to assets | -0.3444% | 5,855 |
| Net operating income to assets | 0.8547% | 3,051 |
| Return on assets (ROA) | 0.8571% | 3,149 |
| Pretax return on assets | 0.8903% | 3,881 |
| Return on Equity (ROE) | 6.7416% | 3,625 |
| Retained earnings to average equity (ytd only) | 1.1236% | 4,851 |
| Net charge-offs to loans | -0.1501% | 5,685 |
| Credit loss provision to net charge-offs | 409.0909% | 780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4309% | 864 |
| Assets per employee ($millions) | 3.8657% | 4,196 |
| Cash dividends to net income (ytd only)* | 83.3333% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8198% | 918 |
| Loan loss allowance to noncurrent loans | 62.1359% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 1.5987% | 1,000 |
| Noncurrent loans to loans | 2.9288% | 476 |
| Net loans and leases to total assets | 53.5918% | 4,472 |
| Net loans and leases to deposits | 63.6232% | 4,439 |
| Net loans and leases to core deposits | 79.2995% | 3,454 |
| Total domestic deposits to total assets | 84.2331% | 3,340 |
| Equity capital to assets | 12.5928% | 1,467 |
| Core capital (leverage) ratio | 12.9125% | 1,168 |
| Tier 1 risk-based capital ratio | 19.6014% | 1,452 |
| Total risk-based capital ratio | 20.8536% | 1,412 |
| Memoranda: | ||
| Average total assets | $39,199,800 | 5,556 |
| Average earning assets | $34,908,400 | 5,573 |
| Average equity | $4,984,000 | 5,473 |
| Average total loans | $21,983,400 | 5,446 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2050% | 2,494 |
| Cost of funding earning assets | 0.4938% | 2,140 |
| Net interest margin | 3.7112% | 2,675 |
| Noninterest income to average assets | 0.4915% | 3,311 |
| Noninterest expense to average assets | 3.1082% | 2,008 |
| Loan and lease loss provision to assets | -0.4576% | 5,940 |
| Net operating income to assets | 1.1121% | 1,938 |
| Return on assets (ROA) | 1.1219% | 2,018 |
| Pretax return on assets | 1.1626% | 2,994 |
| Return on Equity (ROE) | 8.8035% | 2,601 |
| Retained earnings to average equity (ytd only) | 2.6862% | 4,295 |
| Net charge-offs to loans | -0.1321% | 5,662 |
| Credit loss provision to net charge-offs | 613.6364% | 604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7291% | 1,225 |
| Assets per employee ($millions) | 3.7331% | 4,416 |
| Cash dividends to net income (ytd only)* | 69.4870% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7346% | 1,138 |
| Loan loss allowance to noncurrent loans | 60.3560% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 1.6555% | 1,043 |
| Noncurrent loans to loans | 2.8739% | 550 |
| Net loans and leases to total assets | 56.6044% | 4,240 |
| Net loans and leases to deposits | 68.2041% | 4,131 |
| Net loans and leases to core deposits | 85.8356% | 2,962 |
| Total domestic deposits to total assets | 82.9927% | 3,601 |
| Equity capital to assets | 13.6589% | 1,174 |
| Core capital (leverage) ratio | 13.1243% | 1,143 |
| Tier 1 risk-based capital ratio | 20.2038% | 1,407 |
| Total risk-based capital ratio | 21.4558% | 1,372 |
| Memoranda: | ||
| Average total assets | $39,335,500 | 5,606 |
| Average earning assets | $35,100,250 | 5,620 |
| Average equity | $5,013,000 | 5,525 |
| Average total loans | $22,204,000 | 5,493 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1450% | 2,695 |
| Cost of funding earning assets | 0.4929% | 2,162 |
| Net interest margin | 3.6521% | 2,883 |
| Noninterest income to average assets | 0.4900% | 3,267 |
| Noninterest expense to average assets | 3.0247% | 2,265 |
| Loan and lease loss provision to assets | -0.4500% | 6,011 |
| Net operating income to assets | 1.1353% | 1,824 |
| Return on assets (ROA) | 1.1499% | 1,892 |
| Pretax return on assets | 1.1899% | 2,817 |
| Return on Equity (ROE) | 9.2289% | 2,388 |
| Retained earnings to average equity (ytd only) | 3.6113% | 3,593 |
| Net charge-offs to loans | -0.1248% | 5,689 |
| Credit loss provision to net charge-offs | 642.8571% | 533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6667% | 1,417 |
| Assets per employee ($millions) | 3.7700% | 4,322 |
| Cash dividends to net income (ytd only)* | 60.8696% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9521% | 813 |
| Loan loss allowance to noncurrent loans | 13,666.6667% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 5,597 |
| Noncurrent loans to loans | 0.0143% | 5,426 |
| Net loans and leases to total assets | 54.6233% | 4,448 |
| Net loans and leases to deposits | 65.9694% | 4,351 |
| Net loans and leases to core deposits | 79.6142% | 3,500 |
| Total domestic deposits to total assets | 82.8011% | 3,723 |
| Equity capital to assets | 13.5491% | 1,207 |
| Core capital (leverage) ratio | 12.2684% | 1,476 |
| Tier 1 risk-based capital ratio | 20.7855% | 1,297 |
| Total risk-based capital ratio | 22.0427% | 1,278 |
| Memoranda: | ||
| Average total assets | $40,003,670 | 5,663 |
| Average earning assets | $35,705,330 | 5,671 |
| Average equity | $4,984,330 | 5,588 |
| Average total loans | $22,437,330 | 5,551 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0469% | 3,046 |
| Cost of funding earning assets | 0.4800% | 2,278 |
| Net interest margin | 3.5669% | 3,215 |
| Noninterest income to average assets | 0.4665% | 3,359 |
| Noninterest expense to average assets | 2.8283% | 2,962 |
| Loan and lease loss provision to assets | -0.4374% | 6,076 |
| Net operating income to assets | 1.2149% | 1,506 |
| Return on assets (ROA) | 1.2149% | 1,609 |
| Pretax return on assets | 1.2538% | 2,484 |
| Return on Equity (ROE) | 10.1574% | 1,924 |
| Retained earnings to average equity (ytd only) | 4.0630% | 3,457 |
| Net charge-offs to loans | -0.0864% | 5,575 |
| Credit loss provision to net charge-offs | 900.0000% | 398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6000% | 1,958 |
| Assets per employee ($millions) | 4.1010% | 3,765 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9153% | 944 |
| Loan loss allowance to noncurrent loans | 675.7576% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 4,926 |
| Noncurrent loans to loans | 0.2834% | 4,414 |
| Net loans and leases to total assets | 55.6937% | 4,291 |
| Net loans and leases to deposits | 65.9925% | 4,260 |
| Net loans and leases to core deposits | 80.0701% | 3,311 |
| Total domestic deposits to total assets | 84.3941% | 3,360 |
| Equity capital to assets | 12.2141% | 1,881 |
| Core capital (leverage) ratio | 12.1202% | 1,536 |
| Tier 1 risk-based capital ratio | 19.0393% | 1,729 |
| Total risk-based capital ratio | 20.2938% | 1,687 |
| Memoranda: | ||
| Average total assets | $41,155,500 | 5,690 |
| Average earning assets | $36,670,000 | 5,709 |
| Average equity | $4,922,500 | 5,637 |
| Average total loans | $23,154,500 | 5,579 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 2,404 |
| Cost of funding earning assets | 0.5022% | 2,137 |
| Net interest margin | 3.7420% | 2,593 |
| Noninterest income to average assets | 0.4540% | 3,634 |
| Noninterest expense to average assets | 2.8352% | 3,092 |
| Loan and lease loss provision to assets | -0.4729% | 6,120 |
| Net operating income to assets | 1.4510% | 942 |
| Return on assets (ROA) | 1.4211% | 1,039 |
| Pretax return on assets | 1.4613% | 1,678 |
| Return on Equity (ROE) | 12.4580% | 1,194 |
| Retained earnings to average equity (ytd only) | 4.7884% | 2,585 |
| Net charge-offs to loans | -0.0860% | 5,733 |
| Credit loss provision to net charge-offs | 1,000.0000% | 332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5583% | 2,648 |
| Assets per employee ($millions) | 4.1301% | 3,695 |
| Cash dividends to net income (ytd only)* | 61.5641% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1109% | 677 |
| Loan loss allowance to noncurrent loans | 714.7059% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 4,948 |
| Noncurrent loans to loans | 0.2954% | 4,399 |
| Net loans and leases to total assets | 54.5677% | 4,441 |
| Net loans and leases to deposits | 64.5279% | 4,429 |
| Net loans and leases to core deposits | 78.8973% | 3,453 |
| Total domestic deposits to total assets | 84.5645% | 3,263 |
| Equity capital to assets | 11.7092% | 2,187 |
| Core capital (leverage) ratio | 12.0084% | 1,614 |
| Tier 1 risk-based capital ratio | 19.2525% | 1,644 |
| Total risk-based capital ratio | 20.5103% | 1,603 |
| Memoranda: | ||
| Average total assets | $42,290,200 | 5,718 |
| Average earning assets | $38,428,400 | 5,717 |
| Average equity | $4,824,200 | 5,691 |
| Average total loans | $23,254,200 | 5,614 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3022% | 2,223 |
| Cost of funding earning assets | 0.5055% | 2,163 |
| Net interest margin | 3.7966% | 2,400 |
| Noninterest income to average assets | 0.4890% | 3,447 |
| Noninterest expense to average assets | 2.6987% | 3,564 |
| Loan and lease loss provision to assets | -0.4545% | 6,197 |
| Net operating income to assets | 1.6643% | 671 |
| Return on assets (ROA) | 1.6612% | 695 |
| Pretax return on assets | 1.7020% | 1,099 |
| Return on Equity (ROE) | 14.6570% | 784 |
| Retained earnings to average equity (ytd only) | 5.8074% | 2,362 |
| Net charge-offs to loans | -0.0915% | 5,750 |
| Credit loss provision to net charge-offs | 906.2500% | 401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3333% | 3,480 |
| Assets per employee ($millions) | 4.4883% | 3,031 |
| Cash dividends to net income (ytd only)* | 60.3778% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3310% | 549 |
| Loan loss allowance to noncurrent loans | 537.0000% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.2476% | 4,772 |
| Noncurrent loans to loans | 0.4341% | 4,050 |
| Net loans and leases to total assets | 55.7000% | 4,389 |
| Net loans and leases to deposits | 66.4462% | 4,344 |
| Net loans and leases to core deposits | 82.1768% | 3,233 |
| Total domestic deposits to total assets | 83.8272% | 3,498 |
| Equity capital to assets | 12.1723% | 1,983 |
| Core capital (leverage) ratio | 11.6669% | 1,911 |
| Tier 1 risk-based capital ratio | 19.5383% | 1,656 |
| Total risk-based capital ratio | 20.8000% | 1,621 |
| Memoranda: | ||
| Average total assets | $42,537,500 | 5,791 |
| Average earning assets | $38,770,000 | 5,784 |
| Average equity | $4,821,250 | 5,767 |
| Average total loans | $23,312,000 | 5,679 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3572% | 1,986 |
| Cost of funding earning assets | 0.5180% | 2,083 |
| Net interest margin | 3.8393% | 2,175 |
| Noninterest income to average assets | 0.5087% | 3,322 |
| Noninterest expense to average assets | 2.6589% | 3,723 |
| Loan and lease loss provision to assets | -0.4162% | 6,260 |
| Net operating income to assets | 1.7247% | 602 |
| Return on assets (ROA) | 1.7202% | 632 |
| Pretax return on assets | 1.7572% | 961 |
| Return on Equity (ROE) | 15.5345% | 662 |
| Retained earnings to average equity (ytd only) | 10.5234% | 579 |
| Net charge-offs to loans | -0.1111% | 5,825 |
| Credit loss provision to net charge-offs | 692.3077% | 488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3972% | 3,944 |
| Assets per employee ($millions) | 4.6818% | 2,702 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6184% | 419 |
| Loan loss allowance to noncurrent loans | 692.9412% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.2017% | 5,066 |
| Noncurrent loans to loans | 0.3779% | 4,351 |
| Net loans and leases to total assets | 51.9888% | 4,755 |
| Net loans and leases to deposits | 61.8133% | 4,717 |
| Net loans and leases to core deposits | 74.2501% | 3,942 |
| Total domestic deposits to total assets | 84.1062% | 3,522 |
| Equity capital to assets | 11.6266% | 2,314 |
| Core capital (leverage) ratio | 11.3193% | 2,147 |
| Tier 1 risk-based capital ratio | 20.2585% | 1,496 |
| Total risk-based capital ratio | 21.5221% | 1,468 |
| Memoranda: | ||
| Average total assets | $43,251,670 | 5,835 |
| Average earning assets | $39,382,670 | 5,830 |
| Average equity | $4,789,330 | 5,835 |
| Average total loans | $23,403,670 | 5,730 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4286% | 1,661 |
| Cost of funding earning assets | 0.5737% | 1,628 |
| Net interest margin | 3.8549% | 2,046 |
| Noninterest income to average assets | 0.3835% | 4,134 |
| Noninterest expense to average assets | 2.5109% | 4,231 |
| Loan and lease loss provision to assets | -0.3652% | 6,324 |
| Net operating income to assets | 1.6983% | 589 |
| Return on assets (ROA) | 1.6983% | 616 |
| Pretax return on assets | 1.7348% | 981 |
| Return on Equity (ROE) | 15.7144% | 601 |
| Retained earnings to average equity (ytd only) | 8.9555% | 1,207 |
| Net charge-offs to loans | -0.1006% | 5,860 |
| Credit loss provision to net charge-offs | 666.6667% | 440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7059% | 4,365 |
| Assets per employee ($millions) | 4.3829% | 3,230 |
| Cash dividends to net income (ytd only)* | 43.0108% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7780% | 375 |
| Loan loss allowance to noncurrent loans | 658.3333% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.4335% | 4,303 |
| Noncurrent loans to loans | 0.4220% | 4,327 |
| Net loans and leases to total assets | 50.4643% | 4,797 |
| Net loans and leases to deposits | 58.9373% | 4,834 |
| Net loans and leases to core deposits | 68.6532% | 4,275 |
| Total domestic deposits to total assets | 85.6237% | 3,125 |
| Equity capital to assets | 11.0041% | 2,965 |
| Core capital (leverage) ratio | 10.9370% | 2,479 |
| Tier 1 risk-based capital ratio | 19.4840% | 1,737 |
| Total risk-based capital ratio | 20.7493% | 1,693 |
| Memoranda: | ||
| Average total assets | $43,809,500 | 5,876 |
| Average earning assets | $39,742,000 | 5,876 |
| Average equity | $4,734,500 | 5,900 |
| Average total loans | $23,858,000 | 5,759 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1296% | 3,206 |
| Cost of funding earning assets | 0.5068% | 2,600 |
| Net interest margin | 3.6227% | 3,326 |
| Noninterest income to average assets | 0.4384% | 3,911 |
| Noninterest expense to average assets | 2.8731% | 3,228 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8007% | 3,366 |
| Return on assets (ROA) | 0.8186% | 3,375 |
| Pretax return on assets | 0.8512% | 4,070 |
| Return on Equity (ROE) | 7.6544% | 3,296 |
| Retained earnings to average equity (ytd only) | 2.0935% | 4,730 |
| Net charge-offs to loans | -0.0435% | 5,884 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5330% | 2,271 |
| Assets per employee ($millions) | 4.3790% | 3,222 |
| Cash dividends to net income (ytd only)* | 72.6496% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6676% | 443 |
| Loan loss allowance to noncurrent loans | 51.8692% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 3.1468% | 620 |
| Noncurrent loans to loans | 5.1430% | 276 |
| Net loans and leases to total assets | 55.4921% | 4,391 |
| Net loans and leases to deposits | 66.0183% | 4,323 |
| Net loans and leases to core deposits | 79.4637% | 3,354 |
| Total domestic deposits to total assets | 84.0557% | 3,694 |
| Equity capital to assets | 10.6097% | 3,348 |
| Core capital (leverage) ratio | 10.7373% | 2,685 |
| Tier 1 risk-based capital ratio | 17.4364% | 2,339 |
| Total risk-based capital ratio | 18.7008% | 2,299 |
| Memoranda: | ||
| Average total assets | $42,880,000 | 5,955 |
| Average earning assets | $38,672,400 | 5,964 |
| Average equity | $4,585,600 | 5,966 |
| Average total loans | $25,268,800 | 5,771 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2161% | 2,936 |
| Cost of funding earning assets | 0.4989% | 2,781 |
| Net interest margin | 3.7172% | 2,951 |
| Noninterest income to average assets | 0.4533% | 3,873 |
| Noninterest expense to average assets | 2.6821% | 3,890 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0857% | 2,089 |
| Return on assets (ROA) | 1.1097% | 2,051 |
| Pretax return on assets | 1.1503% | 2,984 |
| Return on Equity (ROE) | 10.3560% | 2,052 |
| Retained earnings to average equity (ytd only) | 2.9172% | 4,520 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4433% | 3,433 |
| Assets per employee ($millions) | 4.3502% | 3,209 |
| Cash dividends to net income (ytd only)* | 71.8309% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5700% | 600 |
| Loan loss allowance to noncurrent loans | 73.5129% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 2.2643% | 1,207 |
| Noncurrent loans to loans | 3.4960% | 689 |
| Net loans and leases to total assets | 57.0801% | 4,190 |
| Net loans and leases to deposits | 68.0861% | 4,115 |
| Net loans and leases to core deposits | 83.7555% | 2,906 |
| Total domestic deposits to total assets | 83.8352% | 3,823 |
| Equity capital to assets | 10.5811% | 3,454 |
| Core capital (leverage) ratio | 10.7814% | 2,715 |
| Tier 1 risk-based capital ratio | 17.1912% | 2,532 |
| Total risk-based capital ratio | 18.4554% | 2,484 |
| Memoranda: | ||
| Average total assets | $42,652,500 | 6,032 |
| Average earning assets | $38,486,500 | 6,038 |
| Average equity | $4,570,500 | 6,029 |
| Average total loans | $25,344,500 | 5,827 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1900% | 2,985 |
| Cost of funding earning assets | 0.4969% | 2,864 |
| Net interest margin | 3.6930% | 2,990 |
| Noninterest income to average assets | 0.4626% | 3,768 |
| Noninterest expense to average assets | 2.6009% | 4,234 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1571% | 1,729 |
| Return on assets (ROA) | 1.1754% | 1,741 |
| Pretax return on assets | 1.2131% | 2,602 |
| Return on Equity (ROE) | 10.9218% | 1,763 |
| Retained earnings to average equity (ytd only) | 8.0708% | 1,303 |
| Net charge-offs to loans | -0.0712% | 6,024 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5323% | 3,914 |
| Assets per employee ($millions) | 4.1578% | 3,534 |
| Cash dividends to net income (ytd only)* | 26.1044% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6105% | 599 |
| Loan loss allowance to noncurrent loans | 92.3505% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.9554% | 1,647 |
| Noncurrent loans to loans | 2.8267% | 1,064 |
| Net loans and leases to total assets | 59.5796% | 3,784 |
| Net loans and leases to deposits | 72.0095% | 3,568 |
| Net loans and leases to core deposits | 83.0244% | 2,851 |
| Total domestic deposits to total assets | 82.7385% | 4,400 |
| Equity capital to assets | 11.3738% | 2,531 |
| Core capital (leverage) ratio | 11.0804% | 2,353 |
| Tier 1 risk-based capital ratio | 17.4765% | 2,424 |
| Total risk-based capital ratio | 18.7423% | 2,392 |
| Memoranda: | ||
| Average total assets | $42,369,330 | 6,097 |
| Average earning assets | $38,234,000 | 6,098 |
| Average equity | $4,559,670 | 6,076 |
| Average total loans | $25,297,330 | 5,867 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1646% | 3,012 |
| Cost of funding earning assets | 0.4765% | 3,159 |
| Net interest margin | 3.6881% | 2,914 |
| Noninterest income to average assets | 0.4490% | 3,803 |
| Noninterest expense to average assets | 2.5254% | 4,537 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2171% | 1,439 |
| Return on assets (ROA) | 1.2534% | 1,393 |
| Pretax return on assets | 1.2908% | 2,123 |
| Return on Equity (ROE) | 11.9777% | 1,411 |
| Retained earnings to average equity (ytd only) | 6.1676% | 2,449 |
| Net charge-offs to loans | -0.0634% | 5,921 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8317% | 4,390 |
| Assets per employee ($millions) | 4.7410% | 2,613 |
| Cash dividends to net income (ytd only)* | 48.5075% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6342% | 687 |
| Loan loss allowance to noncurrent loans | 93.0791% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 1.8796% | 1,838 |
| Noncurrent loans to loans | 2.8301% | 1,165 |
| Net loans and leases to total assets | 57.0859% | 3,988 |
| Net loans and leases to deposits | 67.1611% | 3,957 |
| Net loans and leases to core deposits | 77.4278% | 3,259 |
| Total domestic deposits to total assets | 84.9985% | 3,869 |
| Equity capital to assets | 10.6143% | 3,121 |
| Core capital (leverage) ratio | 10.7871% | 2,615 |
| Tier 1 risk-based capital ratio | 17.1005% | 2,641 |
| Total risk-based capital ratio | 18.3665% | 2,587 |
| Memoranda: | ||
| Average total assets | $42,765,000 | 6,146 |
| Average earning assets | $38,611,000 | 6,144 |
| Average equity | $4,475,000 | 6,141 |
| Average total loans | $25,228,000 | 5,929 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2149% | 3,296 |
| Cost of funding earning assets | 0.4821% | 3,796 |
| Net interest margin | 3.7328% | 2,930 |
| Noninterest income to average assets | 0.5607% | 3,325 |
| Noninterest expense to average assets | 2.8746% | 3,446 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0008% | 2,319 |
| Return on assets (ROA) | 1.0576% | 2,166 |
| Pretax return on assets | 1.0978% | 2,955 |
| Return on Equity (ROE) | 9.9444% | 2,139 |
| Retained earnings to average equity (ytd only) | 2.0467% | 4,783 |
| Net charge-offs to loans | -0.4001% | 6,708 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4583% | 3,224 |
| Assets per employee ($millions) | 4.7623% | 2,498 |
| Cash dividends to net income (ytd only)* | 79.4183% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5748% | 747 |
| Loan loss allowance to noncurrent loans | 92.3836% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.8735% | 1,947 |
| Noncurrent loans to loans | 2.7871% | 1,275 |
| Net loans and leases to total assets | 57.8241% | 4,065 |
| Net loans and leases to deposits | 68.0094% | 4,056 |
| Net loans and leases to core deposits | 81.2191% | 2,985 |
| Total domestic deposits to total assets | 85.0237% | 3,740 |
| Equity capital to assets | 10.3147% | 3,383 |
| Core capital (leverage) ratio | 10.6411% | 2,741 |
| Tier 1 risk-based capital ratio | 16.7136% | 2,755 |
| Total risk-based capital ratio | 17.9773% | 2,703 |
| Memoranda: | ||
| Average total assets | $42,266,800 | 6,221 |
| Average earning assets | $37,961,000 | 6,222 |
| Average equity | $4,495,000 | 6,204 |
| Average total loans | $23,491,800 | 6,057 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1801% | 3,458 |
| Cost of funding earning assets | 0.4656% | 4,106 |
| Net interest margin | 3.7145% | 2,974 |
| Noninterest income to average assets | 0.5920% | 3,201 |
| Noninterest expense to average assets | 2.7921% | 3,690 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0928% | 2,032 |
| Return on assets (ROA) | 1.1080% | 2,048 |
| Pretax return on assets | 1.1491% | 2,898 |
| Return on Equity (ROE) | 10.3392% | 2,054 |
| Retained earnings to average equity (ytd only) | -0.1478% | 5,967 |
| Net charge-offs to loans | -0.5158% | 6,780 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1290% | 3,583 |
| Assets per employee ($millions) | 4.3181% | 3,187 |
| Cash dividends to net income (ytd only)* | 101.4272% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5949% | 836 |
| Loan loss allowance to noncurrent loans | 433.3333% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 4,753 |
| Noncurrent loans to loans | 0.5988% | 4,702 |
| Net loans and leases to total assets | 56.5040% | 4,244 |
| Net loans and leases to deposits | 66.4932% | 4,243 |
| Net loans and leases to core deposits | 78.2621% | 3,323 |
| Total domestic deposits to total assets | 84.9772% | 3,763 |
| Equity capital to assets | 10.1665% | 3,682 |
| Core capital (leverage) ratio | 10.4626% | 3,046 |
| Tier 1 risk-based capital ratio | 16.6140% | 2,893 |
| Total risk-based capital ratio | 17.8789% | 2,844 |
| Memoranda: | ||
| Average total assets | $42,118,250 | 6,293 |
| Average earning assets | $37,797,000 | 6,307 |
| Average equity | $4,513,500 | 6,280 |
| Average total loans | $23,005,000 | 6,140 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0346% | 3,987 |
| Cost of funding earning assets | 0.4500% | 4,427 |
| Net interest margin | 3.5845% | 3,434 |
| Noninterest income to average assets | 0.5842% | 3,293 |
| Noninterest expense to average assets | 2.7248% | 3,945 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0589% | 2,082 |
| Return on assets (ROA) | 1.0727% | 2,139 |
| Pretax return on assets | 1.1158% | 3,033 |
| Return on Equity (ROE) | 9.8361% | 2,265 |
| Retained earnings to average equity (ytd only) | -2.0199% | 6,192 |
| Net charge-offs to loans | -0.6719% | 6,846 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2140% | 3,610 |
| Assets per employee ($millions) | 3.7755% | 4,255 |
| Cash dividends to net income (ytd only)* | 120.5357% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7887% | 718 |
| Loan loss allowance to noncurrent loans | 322.8426% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.7007% | 4,470 |
| Noncurrent loans to loans | 0.8638% | 4,196 |
| Net loans and leases to total assets | 53.3818% | 4,680 |
| Net loans and leases to deposits | 62.4015% | 4,686 |
| Net loans and leases to core deposits | 73.0045% | 3,927 |
| Total domestic deposits to total assets | 85.5457% | 3,617 |
| Equity capital to assets | 10.4043% | 3,421 |
| Core capital (leverage) ratio | 10.4762% | 2,906 |
| Tier 1 risk-based capital ratio | 18.3802% | 2,184 |
| Total risk-based capital ratio | 19.6459% | 2,140 |
| Memoranda: | ||
| Average total assets | $41,764,000 | 6,351 |
| Average earning assets | $37,773,670 | 6,352 |
| Average equity | $4,554,670 | 6,316 |
| Average total loans | $22,323,670 | 6,201 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1555% | 3,492 |
| Cost of funding earning assets | 0.4452% | 4,642 |
| Net interest margin | 3.7103% | 2,811 |
| Noninterest income to average assets | 0.5349% | 3,533 |
| Noninterest expense to average assets | 2.6743% | 4,170 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1652% | 1,622 |
| Return on assets (ROA) | 1.1652% | 1,731 |
| Pretax return on assets | 1.2034% | 2,560 |
| Return on Equity (ROE) | 10.4463% | 1,895 |
| Retained earnings to average equity (ytd only) | -1.1131% | 5,969 |
| Net charge-offs to loans | -0.2717% | 6,750 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9655% | 4,150 |
| Assets per employee ($millions) | 4.1606% | 3,611 |
| Cash dividends to net income (ytd only)* | 110.6557% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7866% | 833 |
| Loan loss allowance to noncurrent loans | 269.1589% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.7403% | 4,519 |
| Noncurrent loans to loans | 1.0353% | 4,069 |
| Net loans and leases to total assets | 48.2959% | 5,197 |
| Net loans and leases to deposits | 55.3752% | 5,312 |
| Net loans and leases to core deposits | 63.2026% | 4,824 |
| Total domestic deposits to total assets | 87.2158% | 2,821 |
| Equity capital to assets | 11.1979% | 2,740 |
| Core capital (leverage) ratio | 10.4903% | 2,790 |
| Tier 1 risk-based capital ratio | 20.1648% | 1,728 |
| Total risk-based capital ratio | 21.4328% | 1,698 |
| Memoranda: | ||
| Average total assets | $41,880,500 | 6,407 |
| Average earning assets | $37,733,000 | 6,411 |
| Average equity | $4,671,500 | 6,350 |
| Average total loans | $22,082,500 | 6,273 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7465% | 2,408 |
| Cost of funding earning assets | 0.5426% | 4,878 |
| Net interest margin | 4.2039% | 1,650 |
| Noninterest income to average assets | 0.5670% | 3,464 |
| Noninterest expense to average assets | 3.1024% | 2,914 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2036% | 1,592 |
| Return on assets (ROA) | 1.1991% | 1,773 |
| Pretax return on assets | 1.2409% | 2,637 |
| Return on Equity (ROE) | 11.1553% | 1,752 |
| Retained earnings to average equity (ytd only) | 6.8315% | 1,654 |
| Net charge-offs to loans | 0.3981% | 2,664 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 5.3600% | 3,060 |
| Efficiency ratio | 71.3522% | 3,552 |
| Assets per employee ($millions) | 4.2155% | 3,521 |
| Cash dividends to net income (ytd only)* | 38.7597% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3877% | 1,254 |
| Loan loss allowance to noncurrent loans | 190.1695% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.9228% | 4,190 |
| Noncurrent loans to loans | 1.2556% | 3,736 |
| Net loans and leases to total assets | 54.4040% | 4,564 |
| Net loans and leases to deposits | 62.4139% | 4,737 |
| Net loans and leases to core deposits | 72.7971% | 3,937 |
| Total domestic deposits to total assets | 87.1664% | 2,728 |
| Equity capital to assets | 11.1114% | 2,822 |
| Core capital (leverage) ratio | 10.5075% | 2,757 |
| Tier 1 risk-based capital ratio | 18.1184% | 2,221 |
| Total risk-based capital ratio | 19.3816% | 2,183 |
| Memoranda: | ||
| Average total assets | $43,031,800 | 6,398 |
| Average earning assets | $38,701,800 | 6,408 |
| Average equity | $4,625,600 | 6,407 |
| Average total loans | $25,118,400 | 6,187 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9157% | 1,949 |
| Cost of funding earning assets | 0.5656% | 4,954 |
| Net interest margin | 4.3501% | 1,348 |
| Noninterest income to average assets | 0.5456% | 3,637 |
| Noninterest expense to average assets | 2.6203% | 4,670 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.7971% | 569 |
| Return on assets (ROA) | 1.7911% | 649 |
| Pretax return on assets | 1.8311% | 982 |
| Return on Equity (ROE) | 16.8000% | 629 |
| Retained earnings to average equity (ytd only) | 12.4626% | 452 |
| Net charge-offs to loans | -0.0470% | 6,691 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7828% | 5,687 |
| Assets per employee ($millions) | 4.2939% | 3,281 |
| Cash dividends to net income (ytd only)* | 25.8181% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8171% | 872 |
| Loan loss allowance to noncurrent loans | 186.6295% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 1.0550% | 4,186 |
| Noncurrent loans to loans | 1.5095% | 3,523 |
| Net loans and leases to total assets | 53.8275% | 4,775 |
| Net loans and leases to deposits | 61.9884% | 4,970 |
| Net loans and leases to core deposits | 73.0846% | 4,106 |
| Total domestic deposits to total assets | 86.8348% | 2,779 |
| Equity capital to assets | 11.2881% | 2,951 |
| Core capital (leverage) ratio | 10.8484% | 2,547 |
| Tier 1 risk-based capital ratio | 18.5467% | 2,146 |
| Total risk-based capital ratio | 19.8151% | 2,105 |
| Memoranda: | ||
| Average total assets | $43,251,000 | 6,460 |
| Average earning assets | $38,894,750 | 6,472 |
| Average equity | $4,611,000 | 6,484 |
| Average total loans | $25,524,250 | 6,245 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0875% | 1,535 |
| Cost of funding earning assets | 0.5940% | 4,949 |
| Net interest margin | 4.4934% | 1,003 |
| Noninterest income to average assets | 0.5305% | 3,724 |
| Noninterest expense to average assets | 2.6987% | 4,432 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8727% | 490 |
| Return on assets (ROA) | 1.8637% | 569 |
| Pretax return on assets | 1.9052% | 836 |
| Return on Equity (ROE) | 17.8275% | 526 |
| Retained earnings to average equity (ytd only) | 11.2084% | 709 |
| Net charge-offs to loans | -0.0383% | 6,594 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5000% | 5,801 |
| Assets per employee ($millions) | 4.1756% | 3,507 |
| Cash dividends to net income (ytd only)* | 37.1287% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7574% | 984 |
| Loan loss allowance to noncurrent loans | 354.2553% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.6754% | 5,087 |
| Noncurrent loans to loans | 0.7784% | 4,948 |
| Net loans and leases to total assets | 56.2482% | 4,428 |
| Net loans and leases to deposits | 65.5183% | 4,572 |
| Net loans and leases to core deposits | 73.6454% | 4,075 |
| Total domestic deposits to total assets | 85.8511% | 3,427 |
| Equity capital to assets | 11.1122% | 3,005 |
| Core capital (leverage) ratio | 10.1121% | 3,255 |
| Tier 1 risk-based capital ratio | 17.8913% | 2,329 |
| Total risk-based capital ratio | 19.1605% | 2,291 |
| Memoranda: | ||
| Average total assets | $43,355,000 | 6,502 |
| Average earning assets | $39,390,670 | 6,497 |
| Average equity | $4,532,330 | 6,538 |
| Average total loans | $26,104,670 | 6,254 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5680% | 669 |
| Cost of funding earning assets | 0.6286% | 4,902 |
| Net interest margin | 4.9393% | 443 |
| Noninterest income to average assets | 0.5254% | 3,737 |
| Noninterest expense to average assets | 2.7630% | 4,191 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.2014% | 292 |
| Return on assets (ROA) | 2.2014% | 348 |
| Pretax return on assets | 2.2467% | 496 |
| Return on Equity (ROE) | 21.7037% | 287 |
| Retained earnings to average equity (ytd only) | 21.7037% | 139 |
| Net charge-offs to loans | -0.1182% | 6,848 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1537% | 6,210 |
| Assets per employee ($millions) | 4.3650% | 3,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6536% | 1,172 |
| Loan loss allowance to noncurrent loans | 86.4341% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.9885% | 2,913 |
| Noncurrent loans to loans | 3.0701% | 2,090 |
| Net loans and leases to total assets | 56.2245% | 4,345 |
| Net loans and leases to deposits | 64.2562% | 4,595 |
| Net loans and leases to core deposits | 67.8574% | 4,698 |
| Total domestic deposits to total assets | 87.5006% | 2,650 |
| Equity capital to assets | 10.5498% | 3,428 |
| Core capital (leverage) ratio | 9.9903% | 3,377 |
| Tier 1 risk-based capital ratio | 17.0760% | 2,651 |
| Total risk-based capital ratio | 18.3415% | 2,611 |
| Memoranda: | ||
| Average total assets | $44,154,500 | 6,532 |
| Average earning assets | $40,086,500 | 6,516 |
| Average equity | $4,478,500 | 6,587 |
| Average total loans | $27,080,500 | 6,242 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5121% | 1,139 |
| Cost of funding earning assets | 0.9697% | 3,581 |
| Net interest margin | 4.5425% | 1,036 |
| Noninterest income to average assets | 0.4817% | 3,986 |
| Noninterest expense to average assets | 2.9671% | 3,718 |
| Loan and lease loss provision to assets | 0.3392% | 2,982 |
| Net operating income to assets | 1.2665% | 1,332 |
| Return on assets (ROA) | 1.2687% | 1,430 |
| Pretax return on assets | 1.3094% | 2,093 |
| Return on Equity (ROE) | 14.1345% | 898 |
| Retained earnings to average equity (ytd only) | 14.1345% | 171 |
| Net charge-offs to loans | 1.1034% | 1,562 |
| Credit loss provision to net charge-offs | 44.6429% | 5,540 |
| Earnings coverage of net charge-offs (x) | 2.1667% | 4,160 |
| Efficiency ratio | 64.3137% | 5,070 |
| Assets per employee ($millions) | 4.0599% | 3,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2832% | 1,650 |
| Loan loss allowance to noncurrent loans | 81.7058% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 2.0220% | 2,940 |
| Noncurrent loans to loans | 2.7945% | 2,349 |
| Net loans and leases to total assets | 63.3445% | 3,323 |
| Net loans and leases to deposits | 72.3948% | 3,744 |
| Net loans and leases to core deposits | 77.5041% | 3,748 |
| Total domestic deposits to total assets | 87.4986% | 2,475 |
| Equity capital to assets | 9.7450% | 4,520 |
| Core capital (leverage) ratio | 9.0941% | 4,630 |
| Tier 1 risk-based capital ratio | 14.2832% | 4,121 |
| Total risk-based capital ratio | 15.5472% | 4,075 |
| Memoranda: | ||
| Average total assets | $44,218,400 | 6,530 |
| Average earning assets | $40,220,400 | 6,520 |
| Average equity | $3,969,000 | 6,757 |
| Average total loans | $30,450,000 | 6,139 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6179% | 998 |
| Cost of funding earning assets | 1.0248% | 3,509 |
| Net interest margin | 4.5932% | 963 |
| Noninterest income to average assets | 0.4867% | 3,980 |
| Noninterest expense to average assets | 2.8686% | 4,065 |
| Loan and lease loss provision to assets | 0.4534% | 2,196 |
| Net operating income to assets | 1.3089% | 1,353 |
| Return on assets (ROA) | 1.3089% | 1,442 |
| Pretax return on assets | 1.3512% | 2,110 |
| Return on Equity (ROE) | 14.9053% | 849 |
| Retained earnings to average equity (ytd only) | 14.9053% | 236 |
| Net charge-offs to loans | 1.3582% | 1,113 |
| Credit loss provision to net charge-offs | 47.7707% | 5,081 |
| Earnings coverage of net charge-offs (x) | 1.9013% | 4,235 |
| Efficiency ratio | 61.3842% | 5,500 |
| Assets per employee ($millions) | 3.7231% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1831% | 1,897 |
| Loan loss allowance to noncurrent loans | 60.3890% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 2.7419% | 2,368 |
| Noncurrent loans to loans | 3.6150% | 1,898 |
| Net loans and leases to total assets | 68.4983% | 2,373 |
| Net loans and leases to deposits | 78.1606% | 2,952 |
| Net loans and leases to core deposits | 83.0678% | 3,183 |
| Total domestic deposits to total assets | 87.6379% | 2,268 |
| Equity capital to assets | 9.4478% | 5,167 |
| Core capital (leverage) ratio | 8.9901% | 4,947 |
| Tier 1 risk-based capital ratio | 13.0616% | 5,051 |
| Total risk-based capital ratio | 14.3237% | 5,015 |
| Memoranda: | ||
| Average total assets | $44,108,250 | 6,591 |
| Average earning assets | $40,203,750 | 6,577 |
| Average equity | $3,873,250 | 6,842 |
| Average total loans | $30,825,000 | 6,184 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7410% | 814 |
| Cost of funding earning assets | 1.0852% | 3,350 |
| Net interest margin | 4.6558% | 808 |
| Noninterest income to average assets | 0.4827% | 3,998 |
| Noninterest expense to average assets | 2.9509% | 3,827 |
| Loan and lease loss provision to assets | 0.6831% | 1,402 |
| Net operating income to assets | 1.0474% | 2,045 |
| Return on assets (ROA) | 1.0474% | 2,142 |
| Pretax return on assets | 1.0884% | 2,898 |
| Return on Equity (ROE) | 12.2427% | 1,423 |
| Retained earnings to average equity (ytd only) | 12.2427% | 493 |
| Net charge-offs to loans | 1.8519% | 738 |
| Credit loss provision to net charge-offs | 52.8169% | 4,513 |
| Earnings coverage of net charge-offs (x) | 1.3697% | 4,254 |
| Efficiency ratio | 62.4879% | 5,505 |
| Assets per employee ($millions) | 3.6432% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4103% | 1,573 |
| Loan loss allowance to noncurrent loans | 126.4184% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 1.5051% | 3,943 |
| Noncurrent loans to loans | 1.9066% | 3,598 |
| Net loans and leases to total assets | 66.0323% | 3,018 |
| Net loans and leases to deposits | 75.1536% | 3,626 |
| Net loans and leases to core deposits | 79.5021% | 3,858 |
| Total domestic deposits to total assets | 87.8631% | 2,233 |
| Equity capital to assets | 9.0924% | 5,454 |
| Core capital (leverage) ratio | 8.5134% | 5,532 |
| Tier 1 risk-based capital ratio | 13.1147% | 4,828 |
| Total risk-based capital ratio | 14.3806% | 4,794 |
| Memoranda: | ||
| Average total assets | $43,918,670 | 6,650 |
| Average earning assets | $39,993,330 | 6,640 |
| Average equity | $3,757,330 | 6,913 |
| Average total loans | $30,671,330 | 6,250 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9975% | 475 |
| Cost of funding earning assets | 1.1214% | 3,363 |
| Net interest margin | 4.8761% | 490 |
| Noninterest income to average assets | 0.4816% | 4,036 |
| Noninterest expense to average assets | 3.0714% | 3,379 |
| Loan and lease loss provision to assets | 0.6815% | 1,244 |
| Net operating income to assets | 1.1086% | 1,812 |
| Return on assets (ROA) | 1.1086% | 1,866 |
| Pretax return on assets | 1.1540% | 2,541 |
| Return on Equity (ROE) | 13.3754% | 1,115 |
| Retained earnings to average equity (ytd only) | 13.3754% | 536 |
| Net charge-offs to loans | 3.3572% | 302 |
| Credit loss provision to net charge-offs | 28.6260% | 4,141 |
| Earnings coverage of net charge-offs (x) | 0.7710% | 4,062 |
| Efficiency ratio | 62.5926% | 5,587 |
| Assets per employee ($millions) | 3.6557% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1255% | 2,128 |
| Loan loss allowance to noncurrent loans | 88.3534% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 1.9194% | 3,415 |
| Noncurrent loans to loans | 2.4056% | 3,081 |
| Net loans and leases to total assets | 69.2806% | 2,268 |
| Net loans and leases to deposits | 78.2916% | 3,009 |
| Net loans and leases to core deposits | 82.9906% | 3,308 |
| Total domestic deposits to total assets | 88.4905% | 2,083 |
| Equity capital to assets | 8.4891% | 5,924 |
| Core capital (leverage) ratio | 8.4524% | 5,542 |
| Tier 1 risk-based capital ratio | 12.0303% | 5,665 |
| Total risk-based capital ratio | 13.2915% | 5,645 |
| Memoranda: | ||
| Average total assets | $44,019,000 | 6,695 |
| Average earning assets | $39,950,000 | 6,689 |
| Average equity | $3,648,500 | 6,974 |
| Average total loans | $31,216,500 | 6,279 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0654% | 748 |
| Cost of funding earning assets | 1.6691% | 1,731 |
| Net interest margin | 4.3962% | 1,486 |
| Noninterest income to average assets | 0.6196% | 3,343 |
| Noninterest expense to average assets | 2.8683% | 4,353 |
| Loan and lease loss provision to assets | 2.0058% | 657 |
| Net operating income to assets | -0.2630% | 6,180 |
| Return on assets (ROA) | -0.2630% | 6,226 |
| Pretax return on assets | -0.2630% | 6,133 |
| Return on Equity (ROE) | -3.2350% | 6,296 |
| Retained earnings to average equity (ytd only) | -3.2350% | 6,122 |
| Net charge-offs to loans | 1.4400% | 1,537 |
| Credit loss provision to net charge-offs | 188.6792% | 1,716 |
| Earnings coverage of net charge-offs (x) | 1.6394% | 4,508 |
| Efficiency ratio | 62.2040% | 5,696 |
| Assets per employee ($millions) | 4.0155% | 3,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6991% | 1,172 |
| Loan loss allowance to noncurrent loans | 57.5017% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 3.5499% | 1,943 |
| Noncurrent loans to loans | 4.6939% | 1,483 |
| Net loans and leases to total assets | 69.1284% | 2,733 |
| Net loans and leases to deposits | 76.0233% | 3,837 |
| Net loans and leases to core deposits | 81.2896% | 4,011 |
| Total domestic deposits to total assets | 90.9305% | 631 |
| Equity capital to assets | 8.0892% | 6,395 |
| Core capital (leverage) ratio | 8.0884% | 6,044 |
| Tier 1 risk-based capital ratio | 10.3878% | 6,767 |
| Total risk-based capital ratio | 11.6522% | 6,746 |
| Memoranda: | ||
| Average total assets | $44,870,200 | 6,701 |
| Average earning assets | $40,739,600 | 6,687 |
| Average equity | $3,647,600 | 7,094 |
| Average total loans | $33,124,200 | 6,255 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1614% | 668 |
| Cost of funding earning assets | 1.7585% | 1,595 |
| Net interest margin | 4.4029% | 1,517 |
| Noninterest income to average assets | 0.6423% | 3,173 |
| Noninterest expense to average assets | 2.7379% | 4,732 |
| Loan and lease loss provision to assets | 2.6639% | 371 |
| Net operating income to assets | -0.7696% | 6,779 |
| Return on assets (ROA) | -0.7696% | 6,813 |
| Pretax return on assets | -0.7577% | 6,710 |
| Return on Equity (ROE) | -9.4554% | 6,901 |
| Retained earnings to average equity (ytd only) | -9.4554% | 6,847 |
| Net charge-offs to loans | 1.8673% | 1,030 |
| Credit loss provision to net charge-offs | 191.4894% | 1,873 |
| Earnings coverage of net charge-offs (x) | 1.3702% | 4,707 |
| Efficiency ratio | 58.9547% | 6,107 |
| Assets per employee ($millions) | 3.6308% | 4,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6031% | 1,204 |
| Loan loss allowance to noncurrent loans | 63.5417% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 3.3027% | 2,159 |
| Noncurrent loans to loans | 4.0967% | 1,809 |
| Net loans and leases to total assets | 73.3372% | 1,941 |
| Net loans and leases to deposits | 80.8159% | 3,302 |
| Net loans and leases to core deposits | 87.1961% | 3,489 |
| Total domestic deposits to total assets | 90.7459% | 532 |
| Equity capital to assets | 8.1272% | 6,692 |
| Core capital (leverage) ratio | 7.6684% | 6,710 |
| Tier 1 risk-based capital ratio | 9.6901% | 7,191 |
| Total risk-based capital ratio | 10.9559% | 7,179 |
| Memoranda: | ||
| Average total assets | $45,045,250 | 6,779 |
| Average earning assets | $40,942,000 | 6,762 |
| Average equity | $3,666,250 | 7,183 |
| Average total loans | $33,560,000 | 6,315 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2216% | 595 |
| Cost of funding earning assets | 1.8239% | 1,546 |
| Net interest margin | 4.3977% | 1,446 |
| Noninterest income to average assets | 0.7598% | 2,328 |
| Noninterest expense to average assets | 2.7538% | 4,690 |
| Loan and lease loss provision to assets | 2.5254% | 444 |
| Net operating income to assets | -0.5446% | 6,692 |
| Return on assets (ROA) | -0.5446% | 6,724 |
| Pretax return on assets | -0.5270% | 6,610 |
| Return on Equity (ROE) | -6.6882% | 6,815 |
| Retained earnings to average equity (ytd only) | -6.6882% | 6,713 |
| Net charge-offs to loans | 0.5265% | 2,955 |
| Credit loss provision to net charge-offs | 646.0674% | 571 |
| Earnings coverage of net charge-offs (x) | 5.1124% | 2,746 |
| Efficiency ratio | 57.9482% | 6,385 |
| Assets per employee ($millions) | 3.7503% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7473% | 1,047 |
| Loan loss allowance to noncurrent loans | 69.8925% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 3.1042% | 2,281 |
| Noncurrent loans to loans | 3.9307% | 1,940 |
| Net loans and leases to total assets | 71.5803% | 2,518 |
| Net loans and leases to deposits | 78.8998% | 3,817 |
| Net loans and leases to core deposits | 86.4596% | 3,771 |
| Total domestic deposits to total assets | 90.7230% | 592 |
| Equity capital to assets | 8.1548% | 6,592 |
| Core capital (leverage) ratio | 7.7675% | 6,538 |
| Tier 1 risk-based capital ratio | 10.0028% | 7,026 |
| Total risk-based capital ratio | 11.2705% | 6,993 |
| Memoranda: | ||
| Average total assets | $45,537,000 | 6,805 |
| Average earning assets | $41,340,000 | 6,800 |
| Average equity | $3,708,000 | 7,213 |
| Average total loans | $33,811,000 | 6,343 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6418% | 291 |
| Cost of funding earning assets | 1.9239% | 1,356 |
| Net interest margin | 4.7179% | 754 |
| Noninterest income to average assets | 0.8908% | 1,663 |
| Noninterest expense to average assets | 2.6810% | 4,995 |
| Loan and lease loss provision to assets | 3.4932% | 267 |
| Net operating income to assets | -1.0567% | 7,142 |
| Return on assets (ROA) | -1.0567% | 7,160 |
| Pretax return on assets | -1.0218% | 7,058 |
| Return on Equity (ROE) | -12.9863% | 7,255 |
| Retained earnings to average equity (ytd only) | -12.9863% | 7,118 |
| Net charge-offs to loans | 0.2928% | 3,243 |
| Credit loss provision to net charge-offs | 1,600.0000% | 306 |
| Earnings coverage of net charge-offs (x) | 11.3200% | 1,656 |
| Efficiency ratio | 52.0339% | 7,148 |
| Assets per employee ($millions) | 4.0834% | 3,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3352% | 1,524 |
| Loan loss allowance to noncurrent loans | 49.8752% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 3.9963% | 1,717 |
| Noncurrent loans to loans | 4.6820% | 1,582 |
| Net loans and leases to total assets | 74.3972% | 1,886 |
| Net loans and leases to deposits | 83.0112% | 3,105 |
| Net loans and leases to core deposits | 90.8243% | 3,253 |
| Total domestic deposits to total assets | 89.6231% | 1,172 |
| Equity capital to assets | 8.1595% | 6,483 |
| Core capital (leverage) ratio | 7.6476% | 6,679 |
| Tier 1 risk-based capital ratio | 9.5616% | 7,271 |
| Total risk-based capital ratio | 10.8237% | 7,259 |
| Memoranda: | ||
| Average total assets | $45,803,500 | 6,882 |
| Average earning assets | $41,374,500 | 6,882 |
| Average equity | $3,727,000 | 7,277 |
| Average total loans | $34,154,500 | 6,413 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6602% | 506 |
| Cost of funding earning assets | 2.4585% | 1,125 |
| Net interest margin | 4.2018% | 2,051 |
| Noninterest income to average assets | 0.5722% | 3,839 |
| Noninterest expense to average assets | 2.4796% | 6,206 |
| Loan and lease loss provision to assets | 2.7968% | 656 |
| Net operating income to assets | -0.8765% | 6,491 |
| Return on assets (ROA) | -0.8765% | 6,493 |
| Pretax return on assets | -0.8765% | 6,327 |
| Return on Equity (ROE) | -10.0813% | 6,630 |
| Retained earnings to average equity (ytd only) | -13.6554% | 6,790 |
| Net charge-offs to loans | 4.0851% | 398 |
| Credit loss provision to net charge-offs | 88.1161% | 6,061 |
| Earnings coverage of net charge-offs (x) | 0.6050% | 5,499 |
| Efficiency ratio | 56.3566% | 6,968 |
| Assets per employee ($millions) | 3.8908% | 4,045 |
| Cash dividends to net income (ytd only)* | -35.4523% | 7,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 5,107 |
| Loan loss allowance to noncurrent loans | 24.2424% | 6,843 |
| Noncurrent assets plus other real estate owned to assets | 3.9580% | 1,672 |
| Noncurrent loans to loans | 5.1301% | 1,302 |
| Net loans and leases to total assets | 72.1118% | 2,732 |
| Net loans and leases to deposits | 81.6139% | 3,675 |
| Net loans and leases to core deposits | 114.2174% | 2,481 |
| Total domestic deposits to total assets | 88.3572% | 1,789 |
| Equity capital to assets | 8.1152% | 6,446 |
| Core capital (leverage) ratio | 7.8656% | 6,364 |
| Tier 1 risk-based capital ratio | 9.4926% | 7,232 |
| Total risk-based capital ratio | 10.5925% | 7,291 |
| Memoranda: | ||
| Average total assets | $46,660,400 | 6,839 |
| Average earning assets | $42,506,000 | 6,841 |
| Average equity | $4,057,000 | 7,264 |
| Average total loans | $36,253,800 | 6,293 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6631% | 542 |
| Cost of funding earning assets | 2.5510% | 1,151 |
| Net interest margin | 4.1122% | 2,345 |
| Noninterest income to average assets | 0.5459% | 4,113 |
| Noninterest expense to average assets | 2.4864% | 6,117 |
| Loan and lease loss provision to assets | 2.5721% | 636 |
| Net operating income to assets | -0.7745% | 6,670 |
| Return on assets (ROA) | -0.7745% | 6,676 |
| Pretax return on assets | -0.7488% | 6,519 |
| Return on Equity (ROE) | -8.7614% | 6,795 |
| Retained earnings to average equity (ytd only) | -13.4493% | 7,039 |
| Net charge-offs to loans | 1.2502% | 1,635 |
| Credit loss provision to net charge-offs | 260.8696% | 1,632 |
| Earnings coverage of net charge-offs (x) | 1.8493% | 4,420 |
| Efficiency ratio | 57.6923% | 6,761 |
| Assets per employee ($millions) | 3.8681% | 4,027 |
| Cash dividends to net income (ytd only)* | -53.5066% | 7,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1040% | 611 |
| Loan loss allowance to noncurrent loans | 96.8148% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 2.7835% | 2,491 |
| Noncurrent loans to loans | 3.2061% | 2,360 |
| Net loans and leases to total assets | 77.6763% | 1,637 |
| Net loans and leases to deposits | 89.6044% | 2,651 |
| Net loans and leases to core deposits | 125.2040% | 1,798 |
| Total domestic deposits to total assets | 86.6881% | 2,335 |
| Equity capital to assets | 8.5163% | 6,232 |
| Core capital (leverage) ratio | 8.1901% | 6,033 |
| Tier 1 risk-based capital ratio | 9.5433% | 7,338 |
| Total risk-based capital ratio | 10.8126% | 7,288 |
| Memoranda: | ||
| Average total assets | $46,653,000 | 6,890 |
| Average earning assets | $42,701,500 | 6,882 |
| Average equity | $4,124,000 | 7,314 |
| Average total loans | $36,794,000 | 6,299 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6386% | 616 |
| Cost of funding earning assets | 2.6254% | 1,218 |
| Net interest margin | 4.0132% | 2,644 |
| Noninterest income to average assets | 0.5521% | 4,022 |
| Noninterest expense to average assets | 2.1228% | 7,230 |
| Loan and lease loss provision to assets | 3.8518% | 340 |
| Net operating income to assets | -1.7975% | 7,365 |
| Return on assets (ROA) | -1.7975% | 7,358 |
| Pretax return on assets | -1.7590% | 7,196 |
| Return on Equity (ROE) | -20.0909% | 7,505 |
| Retained earnings to average equity (ytd only) | -27.0270% | 7,633 |
| Net charge-offs to loans | 1.8606% | 1,009 |
| Credit loss provision to net charge-offs | 263.9296% | 1,763 |
| Earnings coverage of net charge-offs (x) | 1.4340% | 4,456 |
| Efficiency ratio | 50.3553% | 7,645 |
| Assets per employee ($millions) | 3.8126% | 4,068 |
| Cash dividends to net income (ytd only)* | -34.5238% | 7,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1796% | 490 |
| Loan loss allowance to noncurrent loans | 175.8725% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 1.6568% | 3,718 |
| Noncurrent loans to loans | 1.8079% | 3,792 |
| Net loans and leases to total assets | 77.1393% | 1,923 |
| Net loans and leases to deposits | 88.9460% | 2,998 |
| Net loans and leases to core deposits | 113.1480% | 3,004 |
| Total domestic deposits to total assets | 86.7260% | 2,389 |
| Equity capital to assets | 8.3321% | 6,291 |
| Core capital (leverage) ratio | 7.8850% | 6,515 |
| Tier 1 risk-based capital ratio | 9.2953% | 7,542 |
| Total risk-based capital ratio | 10.5673% | 7,512 |
| Memoranda: | ||
| Average total assets | $46,731,670 | 6,950 |
| Average earning assets | $42,659,670 | 6,941 |
| Average equity | $4,181,000 | 7,349 |
| Average total loans | $36,655,330 | 6,364 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8376% | 453 |
| Cost of funding earning assets | 2.7313% | 1,167 |
| Net interest margin | 4.1063% | 2,248 |
| Noninterest income to average assets | 0.5421% | 3,982 |
| Noninterest expense to average assets | 2.0330% | 7,274 |
| Loan and lease loss provision to assets | 2.5412% | 454 |
| Net operating income to assets | -0.3304% | 6,722 |
| Return on assets (ROA) | -0.3304% | 6,793 |
| Pretax return on assets | -0.2880% | 6,662 |
| Return on Equity (ROE) | -3.5735% | 6,844 |
| Retained earnings to average equity (ytd only) | -7.6967% | 6,883 |
| Net charge-offs to loans | 0.0544% | 4,708 |
| Credit loss provision to net charge-offs | 6,000.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 53.2000% | 688 |
| Efficiency ratio | 47.4308% | 7,760 |
| Assets per employee ($millions) | 4.2431% | 3,183 |
| Cash dividends to net income (ytd only)* | -115.3846% | 8,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4320% | 817 |
| Loan loss allowance to noncurrent loans | 192.0601% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 1.2234% | 4,236 |
| Noncurrent loans to loans | 1.2663% | 4,451 |
| Net loans and leases to total assets | 76.9293% | 2,054 |
| Net loans and leases to deposits | 89.4118% | 3,028 |
| Net loans and leases to core deposits | 115.3236% | 2,871 |
| Total domestic deposits to total assets | 86.0393% | 2,698 |
| Equity capital to assets | 9.2321% | 5,040 |
| Core capital (leverage) ratio | 8.7990% | 4,991 |
| Tier 1 risk-based capital ratio | 10.3767% | 6,519 |
| Total risk-based capital ratio | 11.6389% | 6,418 |
| Memoranda: | ||
| Average total assets | $47,222,000 | 6,974 |
| Average earning assets | $43,056,000 | 6,974 |
| Average equity | $4,365,500 | 7,332 |
| Average total loans | $36,757,500 | 6,396 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6928% | 283 |
| Cost of funding earning assets | 3.3048% | 914 |
| Net interest margin | 4.3880% | 1,722 |
| Noninterest income to average assets | 0.5624% | 4,136 |
| Noninterest expense to average assets | 2.5663% | 5,767 |
| Loan and lease loss provision to assets | 1.1936% | 1,208 |
| Net operating income to assets | 0.7713% | 3,566 |
| Return on assets (ROA) | 0.7713% | 3,406 |
| Pretax return on assets | 0.8011% | 4,064 |
| Return on Equity (ROE) | 8.0653% | 3,048 |
| Retained earnings to average equity (ytd only) | 5.0648% | 1,990 |
| Net charge-offs to loans | 0.9902% | 1,251 |
| Credit loss provision to net charge-offs | 155.6886% | 3,354 |
| Earnings coverage of net charge-offs (x) | 2.6018% | 4,787 |
| Efficiency ratio | 56.2657% | 6,969 |
| Assets per employee ($millions) | 4.3427% | 2,894 |
| Cash dividends to net income (ytd only)* | 37.2024% | 3,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6343% | 2,113 |
| Loan loss allowance to noncurrent loans | 309.2784% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.6259% | 5,325 |
| Noncurrent loans to loans | 0.5284% | 5,770 |
| Net loans and leases to total assets | 75.5997% | 2,728 |
| Net loans and leases to deposits | 87.5215% | 3,863 |
| Net loans and leases to core deposits | 110.9084% | 3,697 |
| Total domestic deposits to total assets | 86.3785% | 2,227 |
| Equity capital to assets | 9.2569% | 4,995 |
| Core capital (leverage) ratio | 9.1683% | 4,490 |
| Tier 1 risk-based capital ratio | 10.4419% | 6,274 |
| Total risk-based capital ratio | 11.6960% | 6,146 |
| Memoranda: | ||
| Average total assets | $43,565,400 | 7,049 |
| Average earning assets | $39,699,400 | 7,050 |
| Average equity | $4,166,000 | 7,444 |
| Average total loans | $33,732,000 | 6,501 |