Home > Cheyenne State Bank > Performance and Condition Ratios
Cheyenne 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 | 6.3504% | 404 |
| Cost of funding earning assets | 1.0909% | 3,093 |
| Net interest margin | 5.2596% | 249 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 3.9427% | 386 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.7411% | 3,074 |
| Return on assets (ROA) | 0.7411% | 3,056 |
| Pretax return on assets | 0.9380% | 2,853 |
| Return on Equity (ROE) | 5.3200% | 3,667 |
| Retained earnings to average equity (ytd only) | 5.3247% | 2,477 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 79.1330% | 977 |
| Assets per employee ($millions) | 4.0550% | 4,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6411% | 774 |
| Loan loss allowance to noncurrent loans | 188.6986% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.6001% | 916 |
| Noncurrent loans to loans | 0.8697% | 876 |
| Net loans and leases to total assets | 67.8700% | 2,054 |
| Net loans and leases to deposits | 79.1264% | 2,177 |
| Net loans and leases to core deposits | 90.8153% | 1,993 |
| Total domestic deposits to total assets | 85.7700% | 2,079 |
| Equity capital to assets | 13.9478% | 691 |
| Core capital (leverage) ratio | 15.1582% | 596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2821% | 464 |
| Memoranda: | ||
| Average total assets | $47,227,000 | 4,340 |
| Average earning assets | $42,627,000 | 4,318 |
| Average equity | $6,573,200 | 4,102 |
| Average total loans | $37,014,200 | 4,039 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4762% | 310 |
| Cost of funding earning assets | 1.0078% | 3,012 |
| Net interest margin | 5.4685% | 185 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 4.2017% | 315 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.6856% | 3,358 |
| Return on assets (ROA) | 0.6856% | 3,341 |
| Pretax return on assets | 0.8676% | 3,182 |
| Return on Equity (ROE) | 4.9300% | 3,820 |
| Retained earnings to average equity (ytd only) | 4.9285% | 2,959 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.2431% | 788 |
| Assets per employee ($millions) | 3.7934% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 1,059 |
| Loan loss allowance to noncurrent loans | 26,950.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 3,346 |
| Noncurrent loans to loans | 0.0056% | 3,771 |
| Net loans and leases to total assets | 76.7200% | 1,029 |
| Net loans and leases to deposits | 90.0361% | 1,236 |
| Net loans and leases to core deposits | 104.2693% | 1,107 |
| Total domestic deposits to total assets | 85.2100% | 2,440 |
| Equity capital to assets | 14.4505% | 588 |
| Core capital (leverage) ratio | 14.7032% | 676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9202% | 559 |
| Memoranda: | ||
| Average total assets | $46,868,750 | 4,356 |
| Average earning assets | $42,204,500 | 4,346 |
| Average equity | $6,519,750 | 4,107 |
| Average total loans | $37,873,750 | 4,037 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2731% | 323 |
| Cost of funding earning assets | 0.8170% | 3,162 |
| Net interest margin | 5.4561% | 181 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 4.0407% | 332 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.8073% | 3,057 |
| Return on assets (ROA) | 0.8073% | 3,064 |
| Pretax return on assets | 1.0229% | 2,850 |
| Return on Equity (ROE) | 5.8800% | 3,719 |
| Retained earnings to average equity (ytd only) | 5.8766% | 2,666 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.2324% | 985 |
| Assets per employee ($millions) | 3.9873% | 4,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 1,741 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 3,377 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 80.9300% | 528 |
| Net loans and leases to deposits | 97.6644% | 633 |
| Net loans and leases to core deposits | 110.0967% | 824 |
| Total domestic deposits to total assets | 82.8600% | 3,076 |
| Equity capital to assets | 13.7895% | 672 |
| Core capital (leverage) ratio | 14.4099% | 693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1125% | 710 |
| Memoranda: | ||
| Average total assets | $47,318,000 | 4,373 |
| Average earning assets | $42,594,333 | 4,367 |
| Average equity | $6,500,333 | 4,134 |
| Average total loans | $38,677,000 | 4,042 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0329% | 303 |
| Cost of funding earning assets | 0.5674% | 3,483 |
| Net interest margin | 5.4655% | 157 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 4.0125% | 347 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.8841% | 2,904 |
| Return on assets (ROA) | 0.8841% | 2,859 |
| Pretax return on assets | 1.1221% | 2,652 |
| Return on Equity (ROE) | 6.4500% | 3,635 |
| Retained earnings to average equity (ytd only) | 6.4481% | 2,656 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.6234% | 1,116 |
| Assets per employee ($millions) | 4.3345% | 4,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 1,901 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 3,390 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 80.2000% | 518 |
| Net loans and leases to deposits | 98.1696% | 530 |
| Net loans and leases to core deposits | 109.1013% | 730 |
| Total domestic deposits to total assets | 81.7000% | 3,534 |
| Equity capital to assets | 13.7020% | 635 |
| Core capital (leverage) ratio | 14.6979% | 627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6622% | 777 |
| Memoranda: | ||
| Average total assets | $47,053,000 | 4,438 |
| Average earning assets | $42,301,500 | 4,434 |
| Average equity | $6,451,500 | 4,194 |
| Average total loans | $38,391,500 | 4,098 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0964% | 257 |
| Cost of funding earning assets | 0.1435% | 4,158 |
| Net interest margin | 4.9529% | 146 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 3.8304% | 372 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.5492% | 3,989 |
| Return on assets (ROA) | 0.5492% | 3,953 |
| Pretax return on assets | 0.7140% | 3,819 |
| Return on Equity (ROE) | 4.1800% | 4,132 |
| Retained earnings to average equity (ytd only) | 2.0102% | 3,976 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 83.7261% | 503 |
| Assets per employee ($millions) | 4.2206% | 4,191 |
| Cash dividends to net income (ytd only)* | 51.8519% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3227% | 1,794 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 3,392 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 80.8300% | 515 |
| Net loans and leases to deposits | 94.3147% | 761 |
| Net loans and leases to core deposits | 97.5157% | 1,130 |
| Total domestic deposits to total assets | 85.7000% | 2,805 |
| Equity capital to assets | 13.7205% | 601 |
| Core capital (leverage) ratio | 13.9602% | 726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3831% | 684 |
| Memoranda: | ||
| Average total assets | $49,159,000 | 4,448 |
| Average earning assets | $42,500,200 | 4,457 |
| Average equity | $6,467,000 | 4,277 |
| Average total loans | $33,058,400 | 4,190 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6994% | 356 |
| Cost of funding earning assets | 0.1093% | 4,206 |
| Net interest margin | 4.5901% | 201 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 3.5364% | 470 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.5136% | 4,046 |
| Return on assets (ROA) | 0.5136% | 3,993 |
| Pretax return on assets | 0.6634% | 3,876 |
| Return on Equity (ROE) | 3.9400% | 4,156 |
| Retained earnings to average equity (ytd only) | 3.9437% | 3,461 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.7239% | 561 |
| Assets per employee ($millions) | 4.5415% | 4,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2841% | 2,107 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 3,535 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 76.4800% | 859 |
| Net loans and leases to deposits | 87.9639% | 1,038 |
| Net loans and leases to core deposits | 90.6864% | 1,258 |
| Total domestic deposits to total assets | 86.9500% | 2,780 |
| Equity capital to assets | 12.8971% | 689 |
| Core capital (leverage) ratio | 14.1091% | 663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6480% | 903 |
| Memoranda: | ||
| Average total assets | $49,842,000 | 4,477 |
| Average earning assets | $42,699,250 | 4,487 |
| Average equity | $6,491,250 | 4,316 |
| Average total loans | $31,816,000 | 4,238 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4020% | 436 |
| Cost of funding earning assets | 0.1053% | 4,137 |
| Net interest margin | 4.2967% | 272 |
| Noninterest income to average assets | 0.2932% | 3,410 |
| Noninterest expense to average assets | 3.5379% | 426 |
| Loan and lease loss provision to assets | 0.0120% | 2,379 |
| Net operating income to assets | 0.2731% | 4,333 |
| Return on assets (ROA) | 0.2731% | 4,284 |
| Pretax return on assets | 0.3494% | 4,230 |
| Return on Equity (ROE) | 2.0899% | 4,344 |
| Retained earnings to average equity (ytd only) | 2.0899% | 3,725 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7312% | 378 |
| Assets per employee ($millions) | 4.8511% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 1,767 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 3,589 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 71.4457% | 1,166 |
| Net loans and leases to deposits | 82.3665% | 1,221 |
| Net loans and leases to core deposits | 85.8385% | 1,347 |
| Total domestic deposits to total assets | 86.7412% | 3,025 |
| Equity capital to assets | 13.1991% | 631 |
| Core capital (leverage) ratio | 13.7177% | 680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3671% | 805 |
| Memoranda: | ||
| Average total assets | $49,803,667 | 4,512 |
| Average earning assets | $41,799,333 | 4,556 |
| Average equity | $6,507,333 | 4,366 |
| Average total loans | $29,519,667 | 4,325 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9212% | 891 |
| Cost of funding earning assets | 0.0973% | 4,165 |
| Net interest margin | 3.8239% | 608 |
| Noninterest income to average assets | 0.2934% | 3,366 |
| Noninterest expense to average assets | 3.6234% | 378 |
| Loan and lease loss provision to assets | -0.2696% | 4,721 |
| Net operating income to assets | 0.0476% | 4,515 |
| Return on assets (ROA) | 0.0476% | 4,493 |
| Pretax return on assets | 0.0555% | 4,485 |
| Return on Equity (ROE) | 0.3659% | 4,495 |
| Retained earnings to average equity (ytd only) | 0.3659% | 3,942 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.2791% | 166 |
| Assets per employee ($millions) | 4.8444% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2939% | 2,397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 3,684 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 50.8219% | 3,089 |
| Net loans and leases to deposits | 58.0623% | 3,071 |
| Net loans and leases to core deposits | 59.5968% | 3,182 |
| Total domestic deposits to total assets | 87.5300% | 2,736 |
| Equity capital to assets | 12.1434% | 910 |
| Core capital (leverage) ratio | 13.5848% | 651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3939% | 527 |
| Memoranda: | ||
| Average total assets | $50,450,000 | 4,531 |
| Average earning assets | $41,110,000 | 4,582 |
| Average equity | $6,559,500 | 4,405 |
| Average total loans | $26,704,500 | 4,398 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 507 |
| Cost of funding earning assets | 0.2113% | 3,353 |
| Net interest margin | 4.3935% | 340 |
| Noninterest income to average assets | 0.2698% | 3,776 |
| Noninterest expense to average assets | 3.2422% | 687 |
| Loan and lease loss provision to assets | 0.0042% | 2,992 |
| Net operating income to assets | 0.2387% | 4,496 |
| Return on assets (ROA) | 0.2387% | 4,509 |
| Pretax return on assets | 0.3030% | 4,492 |
| Return on Equity (ROE) | 1.7227% | 4,532 |
| Retained earnings to average equity (ytd only) | 0.2547% | 4,425 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3450% | 284 |
| Assets per employee ($millions) | 4.7612% | 3,919 |
| Cash dividends to net income (ytd only)* | 85.2174% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4978% | 1,566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 3,725 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 53.7323% | 2,882 |
| Net loans and leases to deposits | 62.7865% | 2,798 |
| Net loans and leases to core deposits | 63.8856% | 2,990 |
| Total domestic deposits to total assets | 85.5793% | 3,060 |
| Equity capital to assets | 13.9629% | 670 |
| Core capital (leverage) ratio | 13.7127% | 662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2574% | 386 |
| Memoranda: | ||
| Average total assets | $48,177,400 | 4,583 |
| Average earning assets | $35,962,200 | 4,661 |
| Average equity | $6,675,600 | 4,461 |
| Average total loans | $28,238,800 | 4,413 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6728% | 507 |
| Cost of funding earning assets | 0.2386% | 3,227 |
| Net interest margin | 4.4342% | 353 |
| Noninterest income to average assets | 0.2594% | 3,846 |
| Noninterest expense to average assets | 3.1816% | 736 |
| Loan and lease loss provision to assets | 0.0062% | 2,852 |
| Net operating income to assets | 0.2401% | 4,589 |
| Return on assets (ROA) | 0.2401% | 4,611 |
| Pretax return on assets | 0.3035% | 4,586 |
| Return on Equity (ROE) | 1.7358% | 4,625 |
| Retained earnings to average equity (ytd only) | 1.7358% | 4,264 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1462% | 294 |
| Assets per employee ($millions) | 4.9635% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 2,294 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 57.8382% | 2,513 |
| Net loans and leases to deposits | 67.0967% | 2,529 |
| Net loans and leases to core deposits | 68.2143% | 2,763 |
| Total domestic deposits to total assets | 86.2013% | 2,668 |
| Equity capital to assets | 13.5449% | 837 |
| Core capital (leverage) ratio | 14.0899% | 616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9154% | 431 |
| Memoranda: | ||
| Average total assets | $48,318,750 | 4,648 |
| Average earning assets | $35,210,250 | 4,736 |
| Average equity | $6,682,500 | 4,523 |
| Average total loans | $28,805,500 | 4,456 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8894% | 414 |
| Cost of funding earning assets | 0.2740% | 3,056 |
| Net interest margin | 4.6155% | 299 |
| Noninterest income to average assets | 0.2548% | 3,869 |
| Noninterest expense to average assets | 3.2832% | 630 |
| Loan and lease loss provision to assets | -0.0668% | 4,554 |
| Net operating income to assets | 0.2172% | 4,616 |
| Return on assets (ROA) | 0.2172% | 4,633 |
| Pretax return on assets | 0.2757% | 4,612 |
| Return on Equity (ROE) | 1.5595% | 4,645 |
| Retained earnings to average equity (ytd only) | 1.5595% | 4,230 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0191% | 255 |
| Assets per employee ($millions) | 4.7292% | 3,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 2,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 3,982 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 55.6542% | 2,940 |
| Net loans and leases to deposits | 65.0583% | 2,894 |
| Net loans and leases to core deposits | 66.5403% | 3,071 |
| Total domestic deposits to total assets | 85.5451% | 2,894 |
| Equity capital to assets | 14.1652% | 686 |
| Core capital (leverage) ratio | 13.9604% | 633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7450% | 442 |
| Memoranda: | ||
| Average total assets | $47,880,000 | 4,678 |
| Average earning assets | $33,582,667 | 4,784 |
| Average equity | $6,669,000 | 4,550 |
| Average total loans | $28,708,333 | 4,491 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4549% | 200 |
| Cost of funding earning assets | 0.3095% | 2,894 |
| Net interest margin | 5.1454% | 161 |
| Noninterest income to average assets | 0.2491% | 3,906 |
| Noninterest expense to average assets | 3.3877% | 529 |
| Loan and lease loss provision to assets | -0.1162% | 4,738 |
| Net operating income to assets | 0.2325% | 4,609 |
| Return on assets (ROA) | 0.2325% | 4,632 |
| Pretax return on assets | 0.2906% | 4,612 |
| Return on Equity (ROE) | 1.6832% | 4,640 |
| Retained earnings to average equity (ytd only) | 1.6832% | 4,075 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1049% | 266 |
| Assets per employee ($millions) | 4.3830% | 4,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 2,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 4,092 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 59.3471% | 2,629 |
| Net loans and leases to deposits | 69.1720% | 2,587 |
| Net loans and leases to core deposits | 70.7105% | 2,812 |
| Total domestic deposits to total assets | 85.7964% | 2,813 |
| Equity capital to assets | 13.8261% | 709 |
| Core capital (leverage) ratio | 14.3078% | 604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7673% | 534 |
| Memoranda: | ||
| Average total assets | $48,174,000 | 4,689 |
| Average earning assets | $31,018,000 | 4,828 |
| Average equity | $6,654,000 | 4,564 |
| Average total loans | $29,717,000 | 4,497 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8623% | 109 |
| Cost of funding earning assets | 0.4123% | 3,508 |
| Net interest margin | 5.4500% | 67 |
| Noninterest income to average assets | 0.2389% | 4,070 |
| Noninterest expense to average assets | 3.6709% | 548 |
| Loan and lease loss provision to assets | 0.0371% | 3,946 |
| Net operating income to assets | 0.4568% | 4,123 |
| Return on assets (ROA) | 0.4568% | 4,206 |
| Pretax return on assets | 0.5774% | 4,125 |
| Return on Equity (ROE) | 2.9582% | 4,394 |
| Retained earnings to average equity (ytd only) | -0.6157% | 4,602 |
| Net charge-offs to loans | 0.0066% | 3,110 |
| Credit loss provision to net charge-offs | 800.0000% | 900 |
| Earnings coverage of net charge-offs (x) | 132.5000% | 639 |
| Efficiency ratio | 85.6602% | 543 |
| Assets per employee ($millions) | 4.3759% | 4,034 |
| Cash dividends to net income (ytd only)* | 120.8122% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 2,568 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 4,156 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 62.4514% | 2,547 |
| Net loans and leases to deposits | 73.0079% | 2,588 |
| Net loans and leases to core deposits | 75.1112% | 2,807 |
| Total domestic deposits to total assets | 85.5407% | 2,553 |
| Equity capital to assets | 13.7987% | 844 |
| Core capital (leverage) ratio | 14.2780% | 639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4267% | 546 |
| Memoranda: | ||
| Average total assets | $43,122,400 | 4,733 |
| Average earning assets | $32,018,400 | 4,822 |
| Average equity | $6,659,400 | 4,568 |
| Average total loans | $30,428,600 | 4,509 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9266% | 119 |
| Cost of funding earning assets | 0.4272% | 3,659 |
| Net interest margin | 5.4994% | 76 |
| Noninterest income to average assets | 0.2516% | 3,971 |
| Noninterest expense to average assets | 3.8277% | 446 |
| Loan and lease loss provision to assets | 0.0191% | 4,092 |
| Net operating income to assets | 0.4968% | 4,047 |
| Return on assets (ROA) | 0.4968% | 4,130 |
| Pretax return on assets | 0.6273% | 4,057 |
| Return on Equity (ROE) | 3.1213% | 4,365 |
| Retained earnings to average equity (ytd only) | 0.6002% | 4,358 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5516% | 526 |
| Assets per employee ($millions) | 4.0032% | 4,308 |
| Cash dividends to net income (ytd only)* | 80.7692% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 2,225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 4,234 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 66.1587% | 2,502 |
| Net loans and leases to deposits | 78.5066% | 2,476 |
| Net loans and leases to core deposits | 80.4623% | 2,807 |
| Total domestic deposits to total assets | 84.2716% | 2,723 |
| Equity capital to assets | 15.2470% | 582 |
| Core capital (leverage) ratio | 15.4968% | 468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5220% | 484 |
| Memoranda: | ||
| Average total assets | $41,869,250 | 4,769 |
| Average earning assets | $32,148,250 | 4,849 |
| Average equity | $6,663,750 | 4,584 |
| Average total loans | $30,423,750 | 4,532 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7779% | 196 |
| Cost of funding earning assets | 0.4223% | 3,937 |
| Net interest margin | 5.3556% | 107 |
| Noninterest income to average assets | 0.2722% | 3,844 |
| Noninterest expense to average assets | 3.6940% | 586 |
| Loan and lease loss provision to assets | 0.2819% | 1,525 |
| Net operating income to assets | 0.4326% | 4,163 |
| Return on assets (ROA) | 0.4326% | 4,228 |
| Pretax return on assets | 0.5492% | 4,162 |
| Return on Equity (ROE) | 2.6779% | 4,405 |
| Retained earnings to average equity (ytd only) | -1.1133% | 4,491 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6327% | 783 |
| Assets per employee ($millions) | 4.0833% | 4,220 |
| Cash dividends to net income (ytd only)* | 141.5730% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4430% | 1,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 4,326 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 65.6893% | 2,669 |
| Net loans and leases to deposits | 77.3780% | 2,721 |
| Net loans and leases to core deposits | 79.4662% | 2,989 |
| Total domestic deposits to total assets | 84.8940% | 2,436 |
| Equity capital to assets | 14.8076% | 664 |
| Core capital (leverage) ratio | 15.9209% | 446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0430% | 500 |
| Memoranda: | ||
| Average total assets | $41,147,333 | 4,802 |
| Average earning assets | $32,676,000 | 4,863 |
| Average equity | $6,647,000 | 4,611 |
| Average total loans | $30,727,667 | 4,551 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7833% | 225 |
| Cost of funding earning assets | 0.4173% | 4,300 |
| Net interest margin | 5.3659% | 113 |
| Noninterest income to average assets | 0.2853% | 3,814 |
| Noninterest expense to average assets | 3.8815% | 571 |
| Loan and lease loss provision to assets | 0.2853% | 1,092 |
| Net operating income to assets | 0.5603% | 3,709 |
| Return on assets (ROA) | 0.5603% | 3,775 |
| Pretax return on assets | 0.7030% | 3,681 |
| Return on Equity (ROE) | 3.3108% | 4,140 |
| Retained earnings to average equity (ytd only) | -4.2739% | 4,458 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7071% | 1,168 |
| Assets per employee ($millions) | 3.5800% | 4,408 |
| Cash dividends to net income (ytd only)* | 229.0909% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 2,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 4,361 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 75.9700% | 1,310 |
| Net loans and leases to deposits | 91.7277% | 1,314 |
| Net loans and leases to core deposits | 94.6351% | 1,914 |
| Total domestic deposits to total assets | 82.8212% | 3,162 |
| Equity capital to assets | 16.8029% | 467 |
| Core capital (leverage) ratio | 17.0975% | 402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7677% | 511 |
| Memoranda: | ||
| Average total assets | $39,263,000 | 4,862 |
| Average earning assets | $33,545,000 | 4,881 |
| Average equity | $6,645,000 | 4,641 |
| Average total loans | $31,123,000 | 4,573 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0165% | 221 |
| Cost of funding earning assets | 0.4239% | 4,365 |
| Net interest margin | 5.5927% | 104 |
| Noninterest income to average assets | 0.3140% | 3,815 |
| Noninterest expense to average assets | 4.3470% | 355 |
| Loan and lease loss provision to assets | -0.2745% | 5,143 |
| Net operating income to assets | 0.7418% | 3,727 |
| Return on assets (ROA) | 0.7418% | 3,801 |
| Pretax return on assets | 0.9396% | 3,632 |
| Return on Equity (ROE) | 4.5740% | 4,331 |
| Retained earnings to average equity (ytd only) | 2.8664% | 3,604 |
| Net charge-offs to loans | 0.0743% | 2,031 |
| Credit loss provision to net charge-offs | -482.6087% | 4,419 |
| Earnings coverage of net charge-offs (x) | 11.6957% | 2,471 |
| Efficiency ratio | 86.7292% | 496 |
| Assets per employee ($millions) | 3.5587% | 4,422 |
| Cash dividends to net income (ytd only)* | 37.3333% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1714% | 2,586 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0485% | 4,390 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 80.6059% | 716 |
| Net loans and leases to deposits | 97.7267% | 780 |
| Net loans and leases to core deposits | 99.2389% | 1,626 |
| Total domestic deposits to total assets | 82.4810% | 3,368 |
| Equity capital to assets | 17.0464% | 461 |
| Core capital (leverage) ratio | 16.9244% | 421 |
| Tier 1 risk-based capital ratio | 21.9732% | 1,029 |
| Total risk-based capital ratio | 23.2291% | 1,004 |
| Memoranda: | ||
| Average total assets | $40,441,600 | 4,886 |
| Average earning assets | $33,973,000 | 4,929 |
| Average equity | $6,558,800 | 4,688 |
| Average total loans | $30,952,000 | 4,621 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0065% | 234 |
| Cost of funding earning assets | 0.4271% | 4,408 |
| Net interest margin | 5.5795% | 107 |
| Noninterest income to average assets | 0.2976% | 3,960 |
| Noninterest expense to average assets | 4.2813% | 370 |
| Loan and lease loss provision to assets | -0.3761% | 5,236 |
| Net operating income to assets | 0.8275% | 3,586 |
| Return on assets (ROA) | 0.8275% | 3,669 |
| Pretax return on assets | 1.0499% | 3,444 |
| Return on Equity (ROE) | 5.1655% | 4,286 |
| Retained earnings to average equity (ytd only) | 2.8789% | 3,942 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4026% | 478 |
| Assets per employee ($millions) | 3.3554% | 4,622 |
| Cash dividends to net income (ytd only)* | 44.2695% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 2,047 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 4,480 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 74.9485% | 1,658 |
| Net loans and leases to deposits | 90.2668% | 1,668 |
| Net loans and leases to core deposits | 91.6317% | 2,399 |
| Total domestic deposits to total assets | 83.0299% | 3,162 |
| Equity capital to assets | 16.4634% | 563 |
| Core capital (leverage) ratio | 16.6818% | 476 |
| Tier 1 risk-based capital ratio | 22.3129% | 1,032 |
| Total risk-based capital ratio | 23.5667% | 1,003 |
| Memoranda: | ||
| Average total assets | $40,765,500 | 4,951 |
| Average earning assets | $34,028,750 | 5,005 |
| Average equity | $6,530,250 | 4,752 |
| Average total loans | $30,708,000 | 4,687 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9156% | 276 |
| Cost of funding earning assets | 0.4300% | 4,396 |
| Net interest margin | 5.4856% | 126 |
| Noninterest income to average assets | 0.2785% | 4,071 |
| Noninterest expense to average assets | 4.2167% | 402 |
| Loan and lease loss provision to assets | -0.4202% | 5,286 |
| Net operating income to assets | 0.8648% | 3,412 |
| Return on assets (ROA) | 0.8648% | 3,477 |
| Pretax return on assets | 1.0945% | 3,250 |
| Return on Equity (ROE) | 5.4484% | 4,222 |
| Retained earnings to average equity (ytd only) | 2.0008% | 4,114 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2138% | 540 |
| Assets per employee ($millions) | 3.4876% | 4,511 |
| Cash dividends to net income (ytd only)* | 63.2768% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3276% | 1,894 |
| Loan loss allowance to noncurrent loans | 2,643.7500% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 4,348 |
| Noncurrent loans to loans | 0.0502% | 4,464 |
| Net loans and leases to total assets | 75.1189% | 1,701 |
| Net loans and leases to deposits | 89.5108% | 1,797 |
| Net loans and leases to core deposits | 90.1551% | 2,585 |
| Total domestic deposits to total assets | 83.9215% | 2,900 |
| Equity capital to assets | 15.6484% | 680 |
| Core capital (leverage) ratio | 16.5231% | 483 |
| Tier 1 risk-based capital ratio | 21.5450% | 1,114 |
| Total risk-based capital ratio | 22.7996% | 1,088 |
| Memoranda: | ||
| Average total assets | $40,932,330 | 4,991 |
| Average earning assets | $34,417,670 | 5,038 |
| Average equity | $6,497,330 | 4,780 |
| Average total loans | $30,754,000 | 4,720 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8935% | 262 |
| Cost of funding earning assets | 0.4344% | 4,351 |
| Net interest margin | 5.4591% | 135 |
| Noninterest income to average assets | 0.2866% | 3,960 |
| Noninterest expense to average assets | 3.6073% | 842 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0081% | 2,811 |
| Return on assets (ROA) | 1.0081% | 2,854 |
| Pretax return on assets | 1.2749% | 2,551 |
| Return on Equity (ROE) | 6.3046% | 3,914 |
| Retained earnings to average equity (ytd only) | -0.6181% | 4,608 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8866% | 1,768 |
| Assets per employee ($millions) | 3.9689% | 3,968 |
| Cash dividends to net income (ytd only)* | 109.8039% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6278% | 1,012 |
| Loan loss allowance to noncurrent loans | 2,822.2222% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0932% | 4,346 |
| Noncurrent loans to loans | 0.0577% | 4,505 |
| Net loans and leases to total assets | 77.3489% | 1,265 |
| Net loans and leases to deposits | 92.5533% | 1,333 |
| Net loans and leases to core deposits | 93.2562% | 2,191 |
| Total domestic deposits to total assets | 83.5723% | 3,195 |
| Equity capital to assets | 16.2967% | 532 |
| Core capital (leverage) ratio | 16.4137% | 479 |
| Tier 1 risk-based capital ratio | 21.6169% | 1,095 |
| Total risk-based capital ratio | 22.8736% | 1,077 |
| Memoranda: | ||
| Average total assets | $40,473,000 | 5,054 |
| Average earning assets | $34,071,500 | 5,098 |
| Average equity | $6,471,500 | 4,823 |
| Average total loans | $30,200,500 | 4,785 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0825% | 883 |
| Cost of funding earning assets | 0.5493% | 3,052 |
| Net interest margin | 4.5331% | 719 |
| Noninterest income to average assets | 0.2547% | 4,405 |
| Noninterest expense to average assets | 3.2125% | 1,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6019% | 4,417 |
| Return on assets (ROA) | 0.6019% | 4,422 |
| Pretax return on assets | 0.8003% | 4,167 |
| Return on Equity (ROE) | 4.2236% | 4,651 |
| Retained earnings to average equity (ytd only) | 4.2236% | 3,227 |
| Net charge-offs to loans | -0.0654% | 5,047 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0562% | 955 |
| Assets per employee ($millions) | 4.5841% | 3,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7401% | 776 |
| Loan loss allowance to noncurrent loans | 2,673.6842% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 4,361 |
| Noncurrent loans to loans | 0.0651% | 4,460 |
| Net loans and leases to total assets | 69.5300% | 2,647 |
| Net loans and leases to deposits | 82.5758% | 2,666 |
| Net loans and leases to core deposits | 83.1792% | 3,166 |
| Total domestic deposits to total assets | 84.2015% | 2,936 |
| Equity capital to assets | 15.6943% | 585 |
| Core capital (leverage) ratio | 15.3327% | 621 |
| Tier 1 risk-based capital ratio | 21.4831% | 1,099 |
| Total risk-based capital ratio | 22.7439% | 1,075 |
| Memoranda: | ||
| Average total assets | $44,357,400 | 5,046 |
| Average earning assets | $36,773,600 | 5,091 |
| Average equity | $6,321,600 | 4,848 |
| Average total loans | $29,053,200 | 4,841 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9683% | 996 |
| Cost of funding earning assets | 0.5580% | 2,803 |
| Net interest margin | 4.4104% | 880 |
| Noninterest income to average assets | 0.2541% | 4,451 |
| Noninterest expense to average assets | 3.1255% | 1,699 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6204% | 4,447 |
| Return on assets (ROA) | 0.6204% | 4,460 |
| Pretax return on assets | 0.7947% | 4,307 |
| Return on Equity (ROE) | 4.4561% | 4,705 |
| Retained earnings to average equity (ytd only) | 4.4561% | 3,520 |
| Net charge-offs to loans | -0.0873% | 5,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7287% | 968 |
| Assets per employee ($millions) | 4.6910% | 2,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6380% | 991 |
| Loan loss allowance to noncurrent loans | 2,309.0909% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 4,489 |
| Noncurrent loans to loans | 0.0709% | 4,560 |
| Net loans and leases to total assets | 72.2566% | 2,292 |
| Net loans and leases to deposits | 85.2147% | 2,449 |
| Net loans and leases to core deposits | 85.8164% | 3,008 |
| Total domestic deposits to total assets | 84.7936% | 2,687 |
| Equity capital to assets | 15.1875% | 677 |
| Core capital (leverage) ratio | 14.8093% | 750 |
| Tier 1 risk-based capital ratio | 20.9748% | 1,189 |
| Total risk-based capital ratio | 22.2277% | 1,166 |
| Memoranda: | ||
| Average total assets | $45,132,500 | 5,090 |
| Average earning assets | $37,516,750 | 5,146 |
| Average equity | $6,283,250 | 4,908 |
| Average total loans | $29,018,000 | 4,897 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8269% | 1,184 |
| Cost of funding earning assets | 0.5713% | 2,424 |
| Net interest margin | 4.2557% | 1,145 |
| Noninterest income to average assets | 0.2646% | 4,420 |
| Noninterest expense to average assets | 3.1624% | 1,626 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4772% | 4,801 |
| Return on assets (ROA) | 0.4772% | 4,806 |
| Pretax return on assets | 0.6247% | 4,692 |
| Return on Equity (ROE) | 3.5255% | 4,924 |
| Retained earnings to average equity (ytd only) | 3.5255% | 3,830 |
| Net charge-offs to loans | -0.1340% | 5,245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5052% | 721 |
| Assets per employee ($millions) | 4.5118% | 3,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7815% | 779 |
| Loan loss allowance to noncurrent loans | 2,208.6957% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0931% | 4,549 |
| Noncurrent loans to loans | 0.0807% | 4,548 |
| Net loans and leases to total assets | 62.0750% | 3,594 |
| Net loans and leases to deposits | 72.2165% | 3,698 |
| Net loans and leases to core deposits | 74.9291% | 3,813 |
| Total domestic deposits to total assets | 85.9568% | 2,300 |
| Equity capital to assets | 13.9833% | 934 |
| Core capital (leverage) ratio | 14.1794% | 862 |
| Tier 1 risk-based capital ratio | 21.2489% | 1,135 |
| Total risk-based capital ratio | 22.5051% | 1,116 |
| Memoranda: | ||
| Average total assets | $46,103,670 | 5,121 |
| Average earning assets | $38,161,000 | 5,195 |
| Average equity | $6,240,330 | 4,967 |
| Average total loans | $28,352,670 | 4,965 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3663% | 2,309 |
| Cost of funding earning assets | 0.5713% | 2,249 |
| Net interest margin | 3.7950% | 2,447 |
| Noninterest income to average assets | 0.0515% | 5,470 |
| Noninterest expense to average assets | 3.0989% | 1,827 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0000% | 5,387 |
| Return on assets (ROA) | 0.0000% | 5,384 |
| Pretax return on assets | 0.1459% | 5,306 |
| Return on Equity (ROE) | 0.0000% | 5,384 |
| Retained earnings to average equity (ytd only) | -0.5156% | 4,860 |
| Net charge-offs to loans | -0.2688% | 5,434 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5026% | 262 |
| Assets per employee ($millions) | 5.2070% | 2,243 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8192% | 754 |
| Loan loss allowance to noncurrent loans | 108.0851% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.0435% | 1,504 |
| Noncurrent loans to loans | 1.6831% | 1,015 |
| Net loans and leases to total assets | 58.5024% | 3,892 |
| Net loans and leases to deposits | 67.5105% | 3,982 |
| Net loans and leases to core deposits | 69.9281% | 4,085 |
| Total domestic deposits to total assets | 86.6569% | 2,252 |
| Equity capital to assets | 13.2343% | 1,141 |
| Core capital (leverage) ratio | 13.5979% | 981 |
| Tier 1 risk-based capital ratio | 21.4187% | 1,133 |
| Total risk-based capital ratio | 22.6792% | 1,109 |
| Memoranda: | ||
| Average total assets | $46,596,500 | 5,173 |
| Average earning assets | $39,209,500 | 5,233 |
| Average equity | $6,206,000 | 5,024 |
| Average total loans | $28,271,500 | 5,014 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6606% | 1,284 |
| Cost of funding earning assets | 0.5607% | 1,882 |
| Net interest margin | 4.0999% | 1,438 |
| Noninterest income to average assets | 0.6105% | 2,404 |
| Noninterest expense to average assets | 3.2447% | 1,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4931% | 4,391 |
| Return on assets (ROA) | 0.4931% | 4,426 |
| Pretax return on assets | 0.8154% | 4,207 |
| Return on Equity (ROE) | 3.7382% | 4,586 |
| Retained earnings to average equity (ytd only) | 2.1523% | 4,030 |
| Net charge-offs to loans | 0.0401% | 2,986 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 31.8333% | 1,484 |
| Efficiency ratio | 79.9159% | 1,113 |
| Assets per employee ($millions) | 4.6330% | 2,973 |
| Cash dividends to net income (ytd only)* | 42.4242% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7052% | 939 |
| Loan loss allowance to noncurrent loans | 103.6093% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.3598% | 1,048 |
| Noncurrent loans to loans | 1.6458% | 1,006 |
| Net loans and leases to total assets | 60.7188% | 3,764 |
| Net loans and leases to deposits | 70.5710% | 3,823 |
| Net loans and leases to core deposits | 72.6543% | 3,997 |
| Total domestic deposits to total assets | 86.0393% | 2,415 |
| Equity capital to assets | 13.4038% | 1,097 |
| Core capital (leverage) ratio | 13.4196% | 998 |
| Tier 1 risk-based capital ratio | 21.0610% | 1,137 |
| Total risk-based capital ratio | 22.3195% | 1,111 |
| Memoranda: | ||
| Average total assets | $46,845,800 | 5,215 |
| Average earning assets | $39,415,800 | 5,286 |
| Average equity | $6,179,400 | 5,073 |
| Average total loans | $29,902,400 | 5,030 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7147% | 1,102 |
| Cost of funding earning assets | 0.5505% | 1,886 |
| Net interest margin | 4.1642% | 1,241 |
| Noninterest income to average assets | 0.3406% | 4,098 |
| Noninterest expense to average assets | 2.9093% | 2,367 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6812% | 4,069 |
| Return on assets (ROA) | 0.6812% | 4,131 |
| Pretax return on assets | 0.9310% | 3,932 |
| Return on Equity (ROE) | 5.1848% | 4,453 |
| Retained earnings to average equity (ytd only) | 5.1848% | 2,754 |
| Net charge-offs to loans | 0.0529% | 2,386 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 27.3325% | 1,639 |
| Efficiency ratio | 75.7576% | 1,624 |
| Assets per employee ($millions) | 4.3275% | 3,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6336% | 1,166 |
| Loan loss allowance to noncurrent loans | 103.3898% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.4852% | 1,029 |
| Noncurrent loans to loans | 1.5800% | 1,175 |
| Net loans and leases to total assets | 61.7293% | 3,678 |
| Net loans and leases to deposits | 71.5486% | 3,822 |
| Net loans and leases to core deposits | 73.5950% | 4,011 |
| Total domestic deposits to total assets | 86.2761% | 2,192 |
| Equity capital to assets | 13.2807% | 1,262 |
| Core capital (leverage) ratio | 13.7797% | 949 |
| Tier 1 risk-based capital ratio | 19.9131% | 1,373 |
| Total risk-based capital ratio | 21.1730% | 1,338 |
| Memoranda: | ||
| Average total assets | $46,974,750 | 5,270 |
| Average earning assets | $39,478,250 | 5,342 |
| Average equity | $6,171,750 | 5,131 |
| Average total loans | $30,223,250 | 5,072 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7536% | 957 |
| Cost of funding earning assets | 0.5401% | 1,843 |
| Net interest margin | 4.2135% | 1,049 |
| Noninterest income to average assets | 0.3507% | 4,048 |
| Noninterest expense to average assets | 3.2888% | 1,396 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4961% | 4,714 |
| Return on assets (ROA) | 0.4961% | 4,751 |
| Pretax return on assets | 0.5987% | 4,809 |
| Return on Equity (ROE) | 3.7898% | 4,881 |
| Retained earnings to average equity (ytd only) | 3.7898% | 3,429 |
| Net charge-offs to loans | 0.0791% | 1,832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 11.6667% | 2,256 |
| Efficiency ratio | 84.5985% | 796 |
| Assets per employee ($millions) | 4.2008% | 3,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5642% | 1,351 |
| Loan loss allowance to noncurrent loans | 102.9536% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.9152% | 691 |
| Noncurrent loans to loans | 1.5193% | 1,235 |
| Net loans and leases to total assets | 66.4589% | 3,037 |
| Net loans and leases to deposits | 76.9616% | 3,222 |
| Net loans and leases to core deposits | 79.4341% | 3,466 |
| Total domestic deposits to total assets | 86.3533% | 2,216 |
| Equity capital to assets | 13.4173% | 1,181 |
| Core capital (leverage) ratio | 13.3328% | 1,042 |
| Tier 1 risk-based capital ratio | 18.8330% | 1,629 |
| Total risk-based capital ratio | 20.0875% | 1,586 |
| Memoranda: | ||
| Average total assets | $46,765,330 | 5,315 |
| Average earning assets | $39,254,670 | 5,385 |
| Average equity | $6,121,670 | 5,172 |
| Average total loans | $30,340,000 | 5,103 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5633% | 1,223 |
| Cost of funding earning assets | 0.5172% | 1,957 |
| Net interest margin | 4.0461% | 1,354 |
| Noninterest income to average assets | 0.3656% | 3,917 |
| Noninterest expense to average assets | 3.5797% | 919 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0595% | 5,555 |
| Return on assets (ROA) | 0.0595% | 5,562 |
| Pretax return on assets | 0.1786% | 5,456 |
| Return on Equity (ROE) | 0.4603% | 5,569 |
| Retained earnings to average equity (ytd only) | 0.4603% | 4,813 |
| Net charge-offs to loans | 0.1605% | 1,010 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.7500% | 2,689 |
| Efficiency ratio | 95.2489% | 339 |
| Assets per employee ($millions) | 4.8261% | 2,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6403% | 1,273 |
| Loan loss allowance to noncurrent loans | 100.4115% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 2.0969% | 615 |
| Noncurrent loans to loans | 1.6336% | 1,190 |
| Net loans and leases to total assets | 60.6328% | 3,713 |
| Net loans and leases to deposits | 69.5489% | 3,848 |
| Net loans and leases to core deposits | 71.6644% | 4,013 |
| Total domestic deposits to total assets | 87.1801% | 2,120 |
| Equity capital to assets | 12.6106% | 1,459 |
| Core capital (leverage) ratio | 13.3545% | 1,015 |
| Tier 1 risk-based capital ratio | 18.5581% | 1,729 |
| Total risk-based capital ratio | 19.8085% | 1,687 |
| Memoranda: | ||
| Average total assets | $47,043,500 | 5,370 |
| Average earning assets | $39,445,000 | 5,442 |
| Average equity | $6,082,500 | 5,223 |
| Average total loans | $29,911,000 | 5,167 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8432% | 811 |
| Cost of funding earning assets | 0.5471% | 1,716 |
| Net interest margin | 4.2961% | 938 |
| Noninterest income to average assets | 0.3271% | 4,401 |
| Noninterest expense to average assets | 3.4482% | 1,259 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2935% | 5,234 |
| Return on assets (ROA) | 0.2935% | 5,303 |
| Pretax return on assets | 0.4503% | 5,119 |
| Return on Equity (ROE) | 2.1437% | 5,373 |
| Retained earnings to average equity (ytd only) | 0.5400% | 5,112 |
| Net charge-offs to loans | 0.1910% | 1,449 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 3.5893% | 3,635 |
| Efficiency ratio | 88.4483% | 642 |
| Assets per employee ($millions) | 4.1660% | 3,672 |
| Cash dividends to net income (ytd only)* | 74.8092% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6660% | 1,218 |
| Loan loss allowance to noncurrent loans | 1,565.6250% | 404 |
| Noncurrent assets plus other real estate owned to assets | 1.3595% | 1,273 |
| Noncurrent loans to loans | 0.1064% | 4,808 |
| Net loans and leases to total assets | 64.5289% | 3,283 |
| Net loans and leases to deposits | 74.6008% | 3,455 |
| Net loans and leases to core deposits | 77.3159% | 3,619 |
| Total domestic deposits to total assets | 86.4989% | 2,371 |
| Equity capital to assets | 13.2654% | 1,147 |
| Core capital (leverage) ratio | 13.2146% | 1,052 |
| Tier 1 risk-based capital ratio | 19.0630% | 1,579 |
| Total risk-based capital ratio | 20.3174% | 1,540 |
| Memoranda: | ||
| Average total assets | $44,632,400 | 5,450 |
| Average earning assets | $37,103,600 | 5,525 |
| Average equity | $6,110,800 | 5,261 |
| Average total loans | $29,324,000 | 5,216 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8128% | 875 |
| Cost of funding earning assets | 0.5521% | 1,670 |
| Net interest margin | 4.2607% | 1,004 |
| Noninterest income to average assets | 0.3007% | 4,616 |
| Noninterest expense to average assets | 3.3172% | 1,525 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3338% | 5,201 |
| Return on assets (ROA) | 0.3338% | 5,280 |
| Pretax return on assets | 0.5113% | 5,096 |
| Return on Equity (ROE) | 2.4188% | 5,375 |
| Retained earnings to average equity (ytd only) | 2.4188% | 4,468 |
| Net charge-offs to loans | 0.0229% | 3,227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 33.9820% | 1,377 |
| Efficiency ratio | 86.6457% | 769 |
| Assets per employee ($millions) | 4.6036% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9252% | 824 |
| Loan loss allowance to noncurrent loans | 628.4091% | 878 |
| Noncurrent assets plus other real estate owned to assets | 2.0897% | 731 |
| Noncurrent loans to loans | 0.3064% | 4,152 |
| Net loans and leases to total assets | 61.1934% | 3,716 |
| Net loans and leases to deposits | 70.8776% | 3,903 |
| Net loans and leases to core deposits | 73.4500% | 4,044 |
| Total domestic deposits to total assets | 86.3368% | 2,197 |
| Equity capital to assets | 13.4112% | 1,286 |
| Core capital (leverage) ratio | 13.9724% | 857 |
| Tier 1 risk-based capital ratio | 19.5448% | 1,537 |
| Total risk-based capital ratio | 20.8015% | 1,503 |
| Memoranda: | ||
| Average total assets | $44,334,000 | 5,509 |
| Average earning assets | $36,707,000 | 5,584 |
| Average equity | $6,118,750 | 5,316 |
| Average total loans | $29,137,000 | 5,273 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8903% | 738 |
| Cost of funding earning assets | 0.5666% | 1,566 |
| Net interest margin | 4.3237% | 878 |
| Noninterest income to average assets | 0.2513% | 4,973 |
| Noninterest expense to average assets | 3.4958% | 1,165 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2742% | 5,386 |
| Return on assets (ROA) | 0.2742% | 5,463 |
| Pretax return on assets | 0.3473% | 5,422 |
| Return on Equity (ROE) | 1.9671% | 5,513 |
| Retained earnings to average equity (ytd only) | 1.9671% | 4,578 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9631% | 548 |
| Assets per employee ($millions) | 4.3481% | 3,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9294% | 850 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8284% | 931 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 65.9322% | 3,095 |
| Net loans and leases to deposits | 76.9301% | 3,278 |
| Net loans and leases to core deposits | 81.6241% | 3,307 |
| Total domestic deposits to total assets | 85.7041% | 2,556 |
| Equity capital to assets | 14.0935% | 989 |
| Core capital (leverage) ratio | 13.6575% | 926 |
| Tier 1 risk-based capital ratio | 19.5178% | 1,562 |
| Total risk-based capital ratio | 20.7759% | 1,521 |
| Memoranda: | ||
| Average total assets | $43,766,670 | 5,588 |
| Average earning assets | $36,358,000 | 5,657 |
| Average equity | $6,100,330 | 5,365 |
| Average total loans | $29,274,670 | 5,321 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9523% | 638 |
| Cost of funding earning assets | 0.5478% | 1,734 |
| Net interest margin | 4.4045% | 735 |
| Noninterest income to average assets | 0.2551% | 4,916 |
| Noninterest expense to average assets | 3.3615% | 1,463 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4828% | 4,698 |
| Return on assets (ROA) | 0.4828% | 4,795 |
| Pretax return on assets | 0.5557% | 4,939 |
| Return on Equity (ROE) | 3.4831% | 5,073 |
| Retained earnings to average equity (ytd only) | 3.4831% | 3,757 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8140% | 990 |
| Assets per employee ($millions) | 4.5622% | 2,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9751% | 848 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7426% | 1,089 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 61.3542% | 3,614 |
| Net loans and leases to deposits | 70.9765% | 3,755 |
| Net loans and leases to core deposits | 74.7543% | 3,815 |
| Total domestic deposits to total assets | 86.4429% | 2,474 |
| Equity capital to assets | 13.4080% | 1,219 |
| Core capital (leverage) ratio | 14.1391% | 783 |
| Tier 1 risk-based capital ratio | 19.2498% | 1,674 |
| Total risk-based capital ratio | 20.5085% | 1,638 |
| Memoranda: | ||
| Average total assets | $43,909,500 | 5,636 |
| Average earning assets | $36,508,000 | 5,713 |
| Average equity | $6,086,500 | 5,405 |
| Average total loans | $29,296,000 | 5,361 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9459% | 693 |
| Cost of funding earning assets | 0.5739% | 1,566 |
| Net interest margin | 4.3720% | 843 |
| Noninterest income to average assets | 0.2649% | 4,979 |
| Noninterest expense to average assets | 3.1029% | 2,228 |
| Loan and lease loss provision to assets | 0.4772% | 246 |
| Net operating income to assets | 0.2198% | 5,535 |
| Return on assets (ROA) | 0.2169% | 5,605 |
| Pretax return on assets | 0.3676% | 5,386 |
| Return on Equity (ROE) | 1.5837% | 5,666 |
| Retained earnings to average equity (ytd only) | 1.5837% | 4,816 |
| Net charge-offs to loans | 0.8065% | 276 |
| Credit loss provision to net charge-offs | 83.2669% | 2,895 |
| Earnings coverage of net charge-offs (x) | 1.4821% | 4,077 |
| Efficiency ratio | 78.5095% | 1,885 |
| Assets per employee ($millions) | 3.8361% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8810% | 991 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9290% | 931 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 69.8438% | 2,391 |
| Net loans and leases to deposits | 81.6919% | 2,632 |
| Net loans and leases to core deposits | 84.6070% | 2,924 |
| Total domestic deposits to total assets | 85.4966% | 2,865 |
| Equity capital to assets | 14.3517% | 814 |
| Core capital (leverage) ratio | 13.6259% | 928 |
| Tier 1 risk-based capital ratio | 20.6653% | 1,356 |
| Total risk-based capital ratio | 21.9267% | 1,328 |
| Memoranda: | ||
| Average total assets | $43,797,200 | 5,688 |
| Average earning assets | $36,939,400 | 5,750 |
| Average equity | $5,998,600 | 5,440 |
| Average total loans | $31,121,400 | 5,321 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8869% | 788 |
| Cost of funding earning assets | 0.5588% | 1,725 |
| Net interest margin | 4.3281% | 911 |
| Noninterest income to average assets | 0.2655% | 5,038 |
| Noninterest expense to average assets | 2.9564% | 2,652 |
| Loan and lease loss provision to assets | 0.6305% | 137 |
| Net operating income to assets | 0.1456% | 5,783 |
| Return on assets (ROA) | 0.1418% | 5,834 |
| Pretax return on assets | 0.3409% | 5,572 |
| Return on Equity (ROE) | 1.0472% | 5,850 |
| Retained earnings to average equity (ytd only) | 1.0472% | 5,298 |
| Net charge-offs to loans | 1.0788% | 171 |
| Credit loss provision to net charge-offs | 82.2835% | 2,578 |
| Earnings coverage of net charge-offs (x) | 1.2756% | 3,857 |
| Efficiency ratio | 75.1534% | 2,382 |
| Assets per employee ($millions) | 4.2237% | 3,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7563% | 1,351 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8768% | 1,115 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 66.5806% | 2,926 |
| Net loans and leases to deposits | 76.6110% | 3,231 |
| Net loans and leases to core deposits | 79.0443% | 3,504 |
| Total domestic deposits to total assets | 86.9073% | 2,095 |
| Equity capital to assets | 12.9506% | 1,471 |
| Core capital (leverage) ratio | 13.2565% | 1,107 |
| Tier 1 risk-based capital ratio | 18.4622% | 1,912 |
| Total risk-based capital ratio | 19.7202% | 1,871 |
| Memoranda: | ||
| Average total assets | $44,197,250 | 5,751 |
| Average earning assets | $37,459,500 | 5,817 |
| Average equity | $5,984,250 | 5,504 |
| Average total loans | $31,392,500 | 5,371 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8363% | 830 |
| Cost of funding earning assets | 0.5457% | 1,859 |
| Net interest margin | 4.2906% | 934 |
| Noninterest income to average assets | 0.2946% | 4,854 |
| Noninterest expense to average assets | 2.9556% | 2,690 |
| Loan and lease loss provision to assets | 0.9161% | 79 |
| Net operating income to assets | -0.0908% | 6,047 |
| Return on assets (ROA) | -0.0967% | 6,076 |
| Pretax return on assets | 0.1059% | 5,928 |
| Return on Equity (ROE) | -0.7031% | 6,068 |
| Retained earnings to average equity (ytd only) | -0.7031% | 5,647 |
| Net charge-offs to loans | 1.9323% | 76 |
| Credit loss provision to net charge-offs | 65.6766% | 2,529 |
| Earnings coverage of net charge-offs (x) | 0.7393% | 3,629 |
| Efficiency ratio | 74.1339% | 2,660 |
| Assets per employee ($millions) | 4.1336% | 3,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 1,966 |
| Loan loss allowance to noncurrent loans | 42.6598% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 3.8839% | 347 |
| Noncurrent loans to loans | 3.7063% | 458 |
| Net loans and leases to total assets | 67.6270% | 2,696 |
| Net loans and leases to deposits | 77.9685% | 3,031 |
| Net loans and leases to core deposits | 81.7167% | 3,211 |
| Total domestic deposits to total assets | 86.7363% | 2,303 |
| Equity capital to assets | 13.0724% | 1,367 |
| Core capital (leverage) ratio | 13.2830% | 1,055 |
| Tier 1 risk-based capital ratio | 19.1150% | 1,770 |
| Total risk-based capital ratio | 20.3692% | 1,737 |
| Memoranda: | ||
| Average total assets | $43,442,670 | 5,831 |
| Average earning assets | $37,383,670 | 5,878 |
| Average equity | $5,973,330 | 5,555 |
| Average total loans | $31,361,000 | 5,418 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6510% | 1,122 |
| Cost of funding earning assets | 0.5408% | 1,919 |
| Net interest margin | 4.1102% | 1,254 |
| Noninterest income to average assets | 0.2734% | 4,991 |
| Noninterest expense to average assets | 3.0451% | 2,437 |
| Loan and lease loss provision to assets | 0.0943% | 2,109 |
| Net operating income to assets | 0.4744% | 4,782 |
| Return on assets (ROA) | 0.4619% | 4,944 |
| Pretax return on assets | 0.6976% | 4,600 |
| Return on Equity (ROE) | 3.2732% | 5,265 |
| Retained earnings to average equity (ytd only) | 3.2732% | 4,018 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9731% | 2,046 |
| Assets per employee ($millions) | 3.9738% | 4,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9696% | 1,140 |
| Loan loss allowance to noncurrent loans | 33.1702% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 5.8657% | 180 |
| Noncurrent loans to loans | 5.9378% | 183 |
| Net loans and leases to total assets | 69.4569% | 2,209 |
| Net loans and leases to deposits | 80.6701% | 2,484 |
| Net loans and leases to core deposits | 84.7386% | 2,688 |
| Total domestic deposits to total assets | 86.0999% | 2,890 |
| Equity capital to assets | 13.7811% | 1,063 |
| Core capital (leverage) ratio | 13.7483% | 896 |
| Tier 1 risk-based capital ratio | 19.2335% | 1,803 |
| Total risk-based capital ratio | 20.4928% | 1,759 |
| Memoranda: | ||
| Average total assets | $42,429,000 | 5,908 |
| Average earning assets | $36,981,500 | 5,940 |
| Average equity | $5,988,000 | 5,601 |
| Average total loans | $31,419,500 | 5,457 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3618% | 406 |
| Cost of funding earning assets | 0.5158% | 2,524 |
| Net interest margin | 4.8460% | 401 |
| Noninterest income to average assets | 0.2253% | 5,515 |
| Noninterest expense to average assets | 3.5687% | 1,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6034% | 4,346 |
| Return on assets (ROA) | 0.6034% | 4,445 |
| Pretax return on assets | 0.9142% | 3,856 |
| Return on Equity (ROE) | 4.0174% | 5,105 |
| Retained earnings to average equity (ytd only) | 4.0174% | 3,348 |
| Net charge-offs to loans | 0.0140% | 4,605 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 88.2500% | 583 |
| Efficiency ratio | 79.6072% | 1,990 |
| Assets per employee ($millions) | 4.5718% | 2,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8828% | 1,353 |
| Loan loss allowance to noncurrent loans | 38.5604% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 5.6093% | 222 |
| Noncurrent loans to loans | 4.8826% | 312 |
| Net loans and leases to total assets | 75.9928% | 1,264 |
| Net loans and leases to deposits | 88.9888% | 1,619 |
| Net loans and leases to core deposits | 92.2904% | 2,058 |
| Total domestic deposits to total assets | 85.3959% | 3,127 |
| Equity capital to assets | 14.4656% | 822 |
| Core capital (leverage) ratio | 14.8621% | 634 |
| Tier 1 risk-based capital ratio | 19.2052% | 1,792 |
| Total risk-based capital ratio | 19.9574% | 1,897 |
| Memoranda: | ||
| Average total assets | $38,613,000 | 6,065 |
| Average earning assets | $33,925,200 | 6,094 |
| Average equity | $5,799,800 | 5,662 |
| Average total loans | $28,556,600 | 5,623 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3721% | 397 |
| Cost of funding earning assets | 0.5227% | 2,543 |
| Net interest margin | 4.8494% | 381 |
| Noninterest income to average assets | 0.2457% | 5,449 |
| Noninterest expense to average assets | 3.6615% | 1,188 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5476% | 4,682 |
| Return on assets (ROA) | 0.5476% | 4,762 |
| Pretax return on assets | 0.8179% | 4,298 |
| Return on Equity (ROE) | 3.6098% | 5,330 |
| Retained earnings to average equity (ytd only) | 3.6098% | 4,081 |
| Net charge-offs to loans | 0.0769% | 3,101 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 14.5645% | 2,134 |
| Efficiency ratio | 81.7398% | 1,653 |
| Assets per employee ($millions) | 3.5534% | 4,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9476% | 1,360 |
| Loan loss allowance to noncurrent loans | 37.7007% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 5.9073% | 239 |
| Noncurrent loans to loans | 5.1659% | 336 |
| Net loans and leases to total assets | 75.6083% | 1,269 |
| Net loans and leases to deposits | 89.0070% | 1,554 |
| Net loans and leases to core deposits | 93.9652% | 1,865 |
| Total domestic deposits to total assets | 84.9464% | 3,359 |
| Equity capital to assets | 14.9743% | 738 |
| Core capital (leverage) ratio | 14.9594% | 628 |
| Tier 1 risk-based capital ratio | 20.0560% | 1,658 |
| Total risk-based capital ratio | 20.8621% | 1,727 |
| Memoranda: | ||
| Average total assets | $37,979,750 | 6,157 |
| Average earning assets | $33,158,000 | 6,187 |
| Average equity | $5,761,750 | 5,724 |
| Average total loans | $27,728,750 | 5,715 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5241% | 297 |
| Cost of funding earning assets | 0.5273% | 2,564 |
| Net interest margin | 4.9968% | 284 |
| Noninterest income to average assets | 0.2818% | 5,170 |
| Noninterest expense to average assets | 3.5628% | 1,363 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7019% | 3,832 |
| Return on assets (ROA) | 0.7019% | 3,921 |
| Pretax return on assets | 1.0529% | 3,270 |
| Return on Equity (ROE) | 4.6063% | 4,861 |
| Retained earnings to average equity (ytd only) | 4.6063% | 3,227 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1889% | 2,426 |
| Assets per employee ($millions) | 3.9344% | 3,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1275% | 1,130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9113% | 1,692 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 70.5063% | 1,999 |
| Net loans and leases to deposits | 82.9471% | 2,144 |
| Net loans and leases to core deposits | 88.5046% | 2,257 |
| Total domestic deposits to total assets | 85.0015% | 3,509 |
| Equity capital to assets | 14.8053% | 749 |
| Core capital (leverage) ratio | 14.9620% | 614 |
| Tier 1 risk-based capital ratio | 20.7473% | 1,500 |
| Total risk-based capital ratio | 22.0105% | 1,479 |
| Memoranda: | ||
| Average total assets | $37,610,670 | 6,225 |
| Average earning assets | $32,620,670 | 6,260 |
| Average equity | $5,731,330 | 5,768 |
| Average total loans | $26,925,000 | 5,800 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4799% | 298 |
| Cost of funding earning assets | 0.5380% | 2,525 |
| Net interest margin | 4.9419% | 304 |
| Noninterest income to average assets | 0.2722% | 5,195 |
| Noninterest expense to average assets | 3.5598% | 1,378 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6967% | 3,707 |
| Return on assets (ROA) | 0.6967% | 3,784 |
| Pretax return on assets | 1.0124% | 3,277 |
| Return on Equity (ROE) | 4.5035% | 4,781 |
| Retained earnings to average equity (ytd only) | 4.5035% | 3,415 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8571% | 2,491 |
| Assets per employee ($millions) | 3.8083% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3198% | 998 |
| Loan loss allowance to noncurrent loans | 193.1034% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 2.0114% | 1,693 |
| Noncurrent loans to loans | 1.2013% | 3,039 |
| Net loans and leases to total assets | 68.1091% | 2,206 |
| Net loans and leases to deposits | 80.2264% | 2,262 |
| Net loans and leases to core deposits | 85.7965% | 2,344 |
| Total domestic deposits to total assets | 84.8961% | 3,921 |
| Equity capital to assets | 15.0330% | 667 |
| Core capital (leverage) ratio | 15.4885% | 539 |
| Tier 1 risk-based capital ratio | 21.8981% | 1,308 |
| Total risk-based capital ratio | 23.1635% | 1,276 |
| Memoranda: | ||
| Average total assets | $36,744,000 | 6,306 |
| Average earning assets | $31,971,500 | 6,338 |
| Average equity | $5,684,500 | 5,823 |
| Average total loans | $26,216,000 | 5,884 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2900% | 542 |
| Cost of funding earning assets | 0.4838% | 3,778 |
| Net interest margin | 4.8062% | 426 |
| Noninterest income to average assets | 0.3216% | 5,036 |
| Noninterest expense to average assets | 3.1227% | 2,667 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8989% | 2,789 |
| Return on assets (ROA) | 0.8989% | 2,877 |
| Pretax return on assets | 1.3772% | 1,872 |
| Return on Equity (ROE) | 5.8328% | 4,186 |
| Retained earnings to average equity (ytd only) | 4.3345% | 3,092 |
| Net charge-offs to loans | 0.1002% | 3,835 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 20.0400% | 1,571 |
| Efficiency ratio | 69.3952% | 3,939 |
| Assets per employee ($millions) | 3.2186% | 5,450 |
| Cash dividends to net income (ytd only)* | 25.6881% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3804% | 948 |
| Loan loss allowance to noncurrent loans | 198.0707% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 2.2059% | 1,619 |
| Noncurrent loans to loans | 1.2018% | 3,143 |
| Net loans and leases to total assets | 71.3515% | 1,782 |
| Net loans and leases to deposits | 84.9771% | 1,813 |
| Net loans and leases to core deposits | 90.2924% | 1,988 |
| Total domestic deposits to total assets | 83.9655% | 4,181 |
| Equity capital to assets | 15.9413% | 534 |
| Core capital (leverage) ratio | 16.4357% | 421 |
| Tier 1 risk-based capital ratio | 22.4386% | 1,184 |
| Total risk-based capital ratio | 23.5220% | 1,187 |
| Memoranda: | ||
| Average total assets | $36,378,400 | 6,380 |
| Average earning assets | $31,625,600 | 6,408 |
| Average equity | $5,606,200 | 5,903 |
| Average total loans | $24,953,600 | 5,990 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2338% | 605 |
| Cost of funding earning assets | 0.4659% | 4,105 |
| Net interest margin | 4.7679% | 457 |
| Noninterest income to average assets | 0.3204% | 5,126 |
| Noninterest expense to average assets | 2.9526% | 3,134 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9830% | 2,454 |
| Return on assets (ROA) | 0.9830% | 2,555 |
| Pretax return on assets | 1.5036% | 1,596 |
| Return on Equity (ROE) | 6.4321% | 3,961 |
| Retained earnings to average equity (ytd only) | 4.4310% | 3,521 |
| Net charge-offs to loans | 0.1348% | 3,192 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 16.5212% | 1,798 |
| Efficiency ratio | 66.2582% | 4,437 |
| Assets per employee ($millions) | 2.9284% | 5,959 |
| Cash dividends to net income (ytd only)* | 31.1120% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4459% | 994 |
| Loan loss allowance to noncurrent loans | 156.5553% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 2.4473% | 1,581 |
| Noncurrent loans to loans | 1.5623% | 2,818 |
| Net loans and leases to total assets | 69.1215% | 2,115 |
| Net loans and leases to deposits | 82.3865% | 2,092 |
| Net loans and leases to core deposits | 85.2969% | 2,490 |
| Total domestic deposits to total assets | 83.8991% | 4,234 |
| Equity capital to assets | 16.0013% | 553 |
| Core capital (leverage) ratio | 16.2900% | 456 |
| Tier 1 risk-based capital ratio | 23.0144% | 1,143 |
| Total risk-based capital ratio | 24.2832% | 1,126 |
| Memoranda: | ||
| Average total assets | $36,621,750 | 6,441 |
| Average earning assets | $31,767,250 | 6,476 |
| Average equity | $5,596,750 | 5,976 |
| Average total loans | $24,722,500 | 6,054 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1005% | 771 |
| Cost of funding earning assets | 0.4659% | 4,252 |
| Net interest margin | 4.6346% | 567 |
| Noninterest income to average assets | 0.3772% | 4,691 |
| Noninterest expense to average assets | 2.8344% | 3,563 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0346% | 2,185 |
| Return on assets (ROA) | 1.0346% | 2,300 |
| Pretax return on assets | 1.5627% | 1,457 |
| Return on Equity (ROE) | 6.8719% | 3,687 |
| Retained earnings to average equity (ytd only) | 6.8719% | 1,947 |
| Net charge-offs to loans | -0.0081% | 5,731 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4608% | 4,792 |
| Assets per employee ($millions) | 4.1622% | 3,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7276% | 770 |
| Loan loss allowance to noncurrent loans | 193.6364% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 2.2424% | 1,928 |
| Noncurrent loans to loans | 1.4086% | 3,183 |
| Net loans and leases to total assets | 60.8329% | 3,514 |
| Net loans and leases to deposits | 71.7258% | 3,490 |
| Net loans and leases to core deposits | 77.8704% | 3,313 |
| Total domestic deposits to total assets | 84.8131% | 3,988 |
| Equity capital to assets | 15.0454% | 706 |
| Core capital (leverage) ratio | 15.1625% | 587 |
| Tier 1 risk-based capital ratio | 24.6272% | 917 |
| Total risk-based capital ratio | 25.9010% | 897 |
| Memoranda: | ||
| Average total assets | $37,115,330 | 6,482 |
| Average earning assets | $32,192,670 | 6,510 |
| Average equity | $5,588,000 | 6,022 |
| Average total loans | $24,663,670 | 6,085 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1340% | 700 |
| Cost of funding earning assets | 0.4701% | 4,369 |
| Net interest margin | 4.6639% | 509 |
| Noninterest income to average assets | 0.2923% | 5,372 |
| Noninterest expense to average assets | 2.8801% | 3,418 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9961% | 2,236 |
| Return on assets (ROA) | 0.9961% | 2,358 |
| Pretax return on assets | 1.4942% | 1,570 |
| Return on Equity (ROE) | 6.6139% | 3,707 |
| Retained earnings to average equity (ytd only) | 6.6139% | 2,358 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8416% | 4,693 |
| Assets per employee ($millions) | 3.6529% | 4,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6872% | 929 |
| Loan loss allowance to noncurrent loans | 205.8065% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 2.6280% | 1,733 |
| Noncurrent loans to loans | 1.3057% | 3,605 |
| Net loans and leases to total assets | 63.2484% | 2,843 |
| Net loans and leases to deposits | 74.9400% | 2,784 |
| Net loans and leases to core deposits | 81.5675% | 2,630 |
| Total domestic deposits to total assets | 84.3987% | 4,315 |
| Equity capital to assets | 15.3549% | 668 |
| Core capital (leverage) ratio | 15.2817% | 550 |
| Tier 1 risk-based capital ratio | 23.9623% | 1,019 |
| Total risk-based capital ratio | 25.2282% | 998 |
| Memoranda: | ||
| Average total assets | $36,943,000 | 6,549 |
| Average earning assets | $32,333,500 | 6,572 |
| Average equity | $5,564,000 | 6,082 |
| Average total loans | $25,282,000 | 6,106 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5283% | 589 |
| Cost of funding earning assets | 0.6424% | 3,985 |
| Net interest margin | 4.8859% | 460 |
| Noninterest income to average assets | 0.2831% | 5,444 |
| Noninterest expense to average assets | 3.0241% | 3,185 |
| Loan and lease loss provision to assets | 0.0051% | 5,862 |
| Net operating income to assets | 1.0063% | 2,308 |
| Return on assets (ROA) | 1.0063% | 2,526 |
| Pretax return on assets | 1.5210% | 1,619 |
| Return on Equity (ROE) | 7.3612% | 3,430 |
| Retained earnings to average equity (ytd only) | 7.3612% | 1,392 |
| Net charge-offs to loans | -0.0073% | 6,425 |
| Credit loss provision to net charge-offs | -100.0000% | 6,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4593% | 4,419 |
| Assets per employee ($millions) | 4.1508% | 3,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3786% | 1,267 |
| Loan loss allowance to noncurrent loans | 160.3015% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 2.8054% | 1,708 |
| Noncurrent loans to loans | 1.4839% | 3,374 |
| Net loans and leases to total assets | 70.0913% | 1,824 |
| Net loans and leases to deposits | 82.5421% | 1,930 |
| Net loans and leases to core deposits | 88.8587% | 1,985 |
| Total domestic deposits to total assets | 84.9158% | 3,896 |
| Equity capital to assets | 14.7737% | 796 |
| Core capital (leverage) ratio | 14.5947% | 653 |
| Tier 1 risk-based capital ratio | 21.0581% | 1,448 |
| Total risk-based capital ratio | 22.3586% | 1,405 |
| Memoranda: | ||
| Average total assets | $38,855,000 | 6,539 |
| Average earning assets | $33,934,600 | 6,555 |
| Average equity | $5,311,600 | 6,203 |
| Average total loans | $27,445,000 | 6,062 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5355% | 634 |
| Cost of funding earning assets | 0.6739% | 3,985 |
| Net interest margin | 4.8616% | 512 |
| Noninterest income to average assets | 0.2345% | 5,875 |
| Noninterest expense to average assets | 2.9875% | 3,273 |
| Loan and lease loss provision to assets | 0.0068% | 5,724 |
| Net operating income to assets | 0.9788% | 2,612 |
| Return on assets (ROA) | 0.9788% | 2,842 |
| Pretax return on assets | 1.4818% | 1,949 |
| Return on Equity (ROE) | 7.3005% | 3,635 |
| Retained earnings to average equity (ytd only) | 7.3005% | 1,943 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7426% | 4,297 |
| Assets per employee ($millions) | 4.3107% | 3,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3266% | 1,469 |
| Loan loss allowance to noncurrent loans | 205.1613% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 2.5235% | 2,093 |
| Noncurrent loans to loans | 1.1340% | 4,162 |
| Net loans and leases to total assets | 68.8215% | 2,146 |
| Net loans and leases to deposits | 80.2284% | 2,356 |
| Net loans and leases to core deposits | 86.0596% | 2,457 |
| Total domestic deposits to total assets | 85.7820% | 3,370 |
| Equity capital to assets | 13.9705% | 1,168 |
| Core capital (leverage) ratio | 13.7699% | 917 |
| Tier 1 risk-based capital ratio | 19.9911% | 1,760 |
| Total risk-based capital ratio | 21.2866% | 1,719 |
| Memoranda: | ||
| Average total assets | $39,229,500 | 6,610 |
| Average earning assets | $34,226,500 | 6,632 |
| Average equity | $5,259,750 | 6,287 |
| Average total loans | $27,600,750 | 6,127 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5508% | 643 |
| Cost of funding earning assets | 0.7070% | 3,958 |
| Net interest margin | 4.8438% | 519 |
| Noninterest income to average assets | 0.1321% | 6,525 |
| Noninterest expense to average assets | 3.0172% | 3,195 |
| Loan and lease loss provision to assets | 0.0051% | 5,588 |
| Net operating income to assets | 0.8686% | 3,048 |
| Return on assets (ROA) | 0.8686% | 3,314 |
| Pretax return on assets | 1.3207% | 2,480 |
| Return on Equity (ROE) | 6.5689% | 4,011 |
| Retained earnings to average equity (ytd only) | 6.5689% | 2,345 |
| Net charge-offs to loans | -0.0144% | 6,361 |
| Credit loss provision to net charge-offs | -50.0000% | 6,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4737% | 3,853 |
| Assets per employee ($millions) | 3.8373% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3002% | 1,587 |
| Loan loss allowance to noncurrent loans | 504.7619% | 712 |
| Noncurrent assets plus other real estate owned to assets | 2.0718% | 2,696 |
| Noncurrent loans to loans | 0.4557% | 5,622 |
| Net loans and leases to total assets | 70.3985% | 1,853 |
| Net loans and leases to deposits | 81.8532% | 2,132 |
| Net loans and leases to core deposits | 85.2096% | 2,530 |
| Total domestic deposits to total assets | 86.0058% | 3,352 |
| Equity capital to assets | 13.7988% | 1,180 |
| Core capital (leverage) ratio | 13.7384% | 889 |
| Tier 1 risk-based capital ratio | 19.0852% | 1,943 |
| Total risk-based capital ratio | 20.3822% | 1,911 |
| Memoranda: | ||
| Average total assets | $39,374,000 | 6,653 |
| Average earning assets | $34,229,330 | 6,680 |
| Average equity | $5,206,330 | 6,332 |
| Average total loans | $27,689,000 | 6,169 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5571% | 684 |
| Cost of funding earning assets | 0.7263% | 4,061 |
| Net interest margin | 4.8307% | 529 |
| Noninterest income to average assets | -0.0502% | 7,140 |
| Noninterest expense to average assets | 3.0997% | 2,917 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6922% | 3,923 |
| Return on assets (ROA) | 0.6922% | 4,145 |
| Pretax return on assets | 1.0533% | 3,490 |
| Return on Equity (ROE) | 5.3468% | 4,611 |
| Retained earnings to average equity (ytd only) | 5.3468% | 3,343 |
| Net charge-offs to loans | 0.4331% | 2,013 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,817 |
| Efficiency ratio | 74.6377% | 2,998 |
| Assets per employee ($millions) | 3.5137% | 5,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2365% | 1,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7309% | 3,262 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 68.3113% | 2,054 |
| Net loans and leases to deposits | 79.0959% | 2,330 |
| Net loans and leases to core deposits | 82.3011% | 2,785 |
| Total domestic deposits to total assets | 86.3652% | 3,324 |
| Equity capital to assets | 13.4408% | 1,260 |
| Core capital (leverage) ratio | 13.3539% | 1,002 |
| Tier 1 risk-based capital ratio | 18.8924% | 2,026 |
| Total risk-based capital ratio | 20.1871% | 1,966 |
| Memoranda: | ||
| Average total assets | $39,874,500 | 6,691 |
| Average earning assets | $34,694,500 | 6,718 |
| Average equity | $5,162,000 | 6,379 |
| Average total loans | $27,708,500 | 6,209 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8168% | 620 |
| Cost of funding earning assets | 0.9548% | 3,688 |
| Net interest margin | 4.8620% | 557 |
| Noninterest income to average assets | 0.3972% | 4,637 |
| Noninterest expense to average assets | 3.1117% | 3,159 |
| Loan and lease loss provision to assets | 0.6506% | 1,567 |
| Net operating income to assets | 0.6116% | 3,938 |
| Return on assets (ROA) | 0.6116% | 4,123 |
| Pretax return on assets | 0.9406% | 3,466 |
| Return on Equity (ROE) | 5.0570% | 4,361 |
| Retained earnings to average equity (ytd only) | 5.0570% | 2,598 |
| Net charge-offs to loans | 0.8091% | 2,133 |
| Credit loss provision to net charge-offs | 106.3745% | 3,193 |
| Earnings coverage of net charge-offs (x) | 2.6016% | 3,913 |
| Efficiency ratio | 66.1658% | 4,741 |
| Assets per employee ($millions) | 3.7362% | 4,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2316% | 1,740 |
| Loan loss allowance to noncurrent loans | 368.6047% | 908 |
| Noncurrent assets plus other real estate owned to assets | 2.5354% | 2,397 |
| Noncurrent loans to loans | 0.6054% | 5,505 |
| Net loans and leases to total assets | 67.5848% | 2,473 |
| Net loans and leases to deposits | 77.4028% | 2,939 |
| Net loans and leases to core deposits | 80.3123% | 3,419 |
| Total domestic deposits to total assets | 87.3157% | 2,572 |
| Equity capital to assets | 12.4799% | 1,811 |
| Core capital (leverage) ratio | 12.8016% | 1,219 |
| Tier 1 risk-based capital ratio | 17.1659% | 2,528 |
| Total risk-based capital ratio | 18.0609% | 2,651 |
| Memoranda: | ||
| Average total assets | $41,039,000 | 6,638 |
| Average earning assets | $36,342,800 | 6,665 |
| Average equity | $4,963,400 | 6,455 |
| Average total loans | $31,023,000 | 6,122 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8364% | 654 |
| Cost of funding earning assets | 1.0055% | 3,641 |
| Net interest margin | 4.8309% | 588 |
| Noninterest income to average assets | 0.3055% | 5,413 |
| Noninterest expense to average assets | 3.0810% | 3,232 |
| Loan and lease loss provision to assets | 0.7735% | 1,218 |
| Net operating income to assets | 0.5070% | 4,522 |
| Return on assets (ROA) | 0.5070% | 4,704 |
| Pretax return on assets | 0.7605% | 4,278 |
| Return on Equity (ROE) | 4.2257% | 4,905 |
| Retained earnings to average equity (ytd only) | 4.2257% | 3,723 |
| Net charge-offs to loans | 0.8039% | 1,953 |
| Credit loss provision to net charge-offs | 124.6073% | 2,582 |
| Earnings coverage of net charge-offs (x) | 2.4712% | 3,892 |
| Efficiency ratio | 66.7606% | 4,574 |
| Assets per employee ($millions) | 3.6460% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1734% | 1,917 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5258% | 2,555 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 74.8566% | 1,173 |
| Net loans and leases to deposits | 85.6792% | 1,720 |
| Net loans and leases to core deposits | 89.6447% | 2,297 |
| Total domestic deposits to total assets | 87.3685% | 2,426 |
| Equity capital to assets | 12.5443% | 1,895 |
| Core capital (leverage) ratio | 12.6860% | 1,351 |
| Tier 1 risk-based capital ratio | 16.1805% | 3,023 |
| Total risk-based capital ratio | 17.4686% | 2,968 |
| Memoranda: | ||
| Average total assets | $41,024,250 | 6,695 |
| Average earning assets | $36,597,000 | 6,714 |
| Average equity | $4,922,000 | 6,520 |
| Average total loans | $31,676,250 | 6,156 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6901% | 890 |
| Cost of funding earning assets | 1.0625% | 3,528 |
| Net interest margin | 4.6276% | 860 |
| Noninterest income to average assets | 0.3145% | 5,380 |
| Noninterest expense to average assets | 2.9712% | 3,752 |
| Loan and lease loss provision to assets | 0.9823% | 889 |
| Net operating income to assets | 0.1500% | 5,882 |
| Return on assets (ROA) | 0.1500% | 5,977 |
| Pretax return on assets | 0.5129% | 5,019 |
| Return on Equity (ROE) | 1.2690% | 6,014 |
| Retained earnings to average equity (ytd only) | 1.2690% | 5,346 |
| Net charge-offs to loans | 1.1748% | 1,330 |
| Credit loss provision to net charge-offs | 107.9787% | 2,845 |
| Earnings coverage of net charge-offs (x) | 1.6436% | 4,062 |
| Efficiency ratio | 66.5222% | 4,767 |
| Assets per employee ($millions) | 3.5585% | 4,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0796% | 2,166 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5879% | 2,569 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 76.3840% | 1,020 |
| Net loans and leases to deposits | 87.4112% | 1,590 |
| Net loans and leases to core deposits | 90.8646% | 2,271 |
| Total domestic deposits to total assets | 87.3847% | 2,528 |
| Equity capital to assets | 12.5105% | 1,771 |
| Core capital (leverage) ratio | 12.3722% | 1,415 |
| Tier 1 risk-based capital ratio | 15.6101% | 3,178 |
| Total risk-based capital ratio | 16.9005% | 3,124 |
| Memoranda: | ||
| Average total assets | $41,330,330 | 6,739 |
| Average earning assets | $37,081,670 | 6,758 |
| Average equity | $4,885,670 | 6,569 |
| Average total loans | $32,005,330 | 6,195 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4482% | 1,433 |
| Cost of funding earning assets | 1.1415% | 3,218 |
| Net interest margin | 4.3067% | 1,542 |
| Noninterest income to average assets | 0.2829% | 5,647 |
| Noninterest expense to average assets | 2.9889% | 3,694 |
| Loan and lease loss provision to assets | 0.3771% | 2,300 |
| Net operating income to assets | 0.4620% | 4,655 |
| Return on assets (ROA) | 0.4620% | 4,738 |
| Pretax return on assets | 0.8297% | 3,791 |
| Return on Equity (ROE) | 4.0164% | 4,899 |
| Retained earnings to average equity (ytd only) | 4.0164% | 3,764 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2360% | 4,003 |
| Assets per employee ($millions) | 4.2703% | 3,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0264% | 2,337 |
| Loan loss allowance to noncurrent loans | 58.5626% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 2.9740% | 2,320 |
| Noncurrent loans to loans | 3.4602% | 2,159 |
| Net loans and leases to total assets | 74.7254% | 1,233 |
| Net loans and leases to deposits | 84.8377% | 1,904 |
| Net loans and leases to core deposits | 89.1440% | 2,466 |
| Total domestic deposits to total assets | 88.0805% | 2,331 |
| Equity capital to assets | 11.4910% | 2,279 |
| Core capital (leverage) ratio | 11.4473% | 1,877 |
| Tier 1 risk-based capital ratio | 14.8884% | 3,483 |
| Total risk-based capital ratio | 16.1756% | 3,428 |
| Memoranda: | ||
| Average total assets | $42,424,000 | 6,742 |
| Average earning assets | $38,544,500 | 6,739 |
| Average equity | $4,880,000 | 6,598 |
| Average total loans | $32,741,000 | 6,197 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1397% | 644 |
| Cost of funding earning assets | 1.6022% | 2,058 |
| Net interest margin | 4.5375% | 1,158 |
| Noninterest income to average assets | 0.3274% | 5,443 |
| Noninterest expense to average assets | 2.8413% | 4,433 |
| Loan and lease loss provision to assets | 0.7910% | 2,067 |
| Net operating income to assets | 0.5998% | 3,670 |
| Return on assets (ROA) | 0.5998% | 3,831 |
| Pretax return on assets | 0.8029% | 3,620 |
| Return on Equity (ROE) | 5.3507% | 3,931 |
| Retained earnings to average equity (ytd only) | 5.3507% | 2,222 |
| Net charge-offs to loans | 0.3549% | 4,245 |
| Credit loss provision to net charge-offs | 275.8333% | 986 |
| Earnings coverage of net charge-offs (x) | 5.5583% | 2,595 |
| Efficiency ratio | 64.0625% | 5,344 |
| Assets per employee ($millions) | 3.8314% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8838% | 2,607 |
| Loan loss allowance to noncurrent loans | 112.3188% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 1.7392% | 3,695 |
| Noncurrent loans to loans | 1.6772% | 3,985 |
| Net loans and leases to total assets | 76.6212% | 1,155 |
| Net loans and leases to deposits | 86.9326% | 1,948 |
| Net loans and leases to core deposits | 91.4011% | 2,565 |
| Total domestic deposits to total assets | 88.1386% | 2,163 |
| Equity capital to assets | 11.5150% | 2,248 |
| Core capital (leverage) ratio | 11.4541% | 1,855 |
| Tier 1 risk-based capital ratio | 14.4662% | 3,568 |
| Total risk-based capital ratio | 15.7539% | 3,495 |
| Memoranda: | ||
| Average total assets | $41,846,400 | 6,801 |
| Average earning assets | $37,884,400 | 6,795 |
| Average equity | $4,691,000 | 6,759 |
| Average total loans | $33,808,000 | 6,215 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1831% | 636 |
| Cost of funding earning assets | 1.6975% | 1,890 |
| Net interest margin | 4.4856% | 1,290 |
| Noninterest income to average assets | 0.2809% | 5,863 |
| Noninterest expense to average assets | 2.9046% | 4,072 |
| Loan and lease loss provision to assets | 0.8012% | 1,896 |
| Net operating income to assets | 0.5171% | 4,227 |
| Return on assets (ROA) | 0.5171% | 4,420 |
| Pretax return on assets | 0.6320% | 4,479 |
| Return on Equity (ROE) | 4.6444% | 4,481 |
| Retained earnings to average equity (ytd only) | 4.6444% | 3,232 |
| Net charge-offs to loans | 0.4701% | 3,396 |
| Credit loss provision to net charge-offs | 209.1667% | 1,682 |
| Earnings coverage of net charge-offs (x) | 3.7416% | 3,313 |
| Efficiency ratio | 66.9610% | 4,660 |
| Assets per employee ($millions) | 4.1352% | 3,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5963% | 3,535 |
| Loan loss allowance to noncurrent loans | 96.9203% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 2.0845% | 3,361 |
| Noncurrent loans to loans | 1.6470% | 4,171 |
| Net loans and leases to total assets | 79.7567% | 789 |
| Net loans and leases to deposits | 90.3342% | 1,678 |
| Net loans and leases to core deposits | 95.0543% | 2,383 |
| Total domestic deposits to total assets | 88.2908% | 1,803 |
| Equity capital to assets | 11.5375% | 2,504 |
| Core capital (leverage) ratio | 11.4870% | 1,944 |
| Tier 1 risk-based capital ratio | 14.0567% | 3,792 |
| Total risk-based capital ratio | 15.3399% | 3,740 |
| Memoranda: | ||
| Average total assets | $41,771,750 | 6,889 |
| Average earning assets | $37,779,250 | 6,885 |
| Average equity | $4,650,500 | 6,858 |
| Average total loans | $34,032,000 | 6,289 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1001% | 756 |
| Cost of funding earning assets | 1.7929% | 1,667 |
| Net interest margin | 4.3072% | 1,745 |
| Noninterest income to average assets | 0.1145% | 7,032 |
| Noninterest expense to average assets | 2.9538% | 3,879 |
| Loan and lease loss provision to assets | 0.8017% | 1,799 |
| Net operating income to assets | 0.0382% | 6,015 |
| Return on assets (ROA) | 0.0382% | 6,113 |
| Pretax return on assets | 0.2911% | 5,522 |
| Return on Equity (ROE) | 0.3470% | 6,121 |
| Retained earnings to average equity (ytd only) | 0.3470% | 5,621 |
| Net charge-offs to loans | 0.3450% | 3,621 |
| Credit loss provision to net charge-offs | 284.7458% | 1,305 |
| Earnings coverage of net charge-offs (x) | 3.8814% | 3,142 |
| Efficiency ratio | 72.9953% | 3,661 |
| Assets per employee ($millions) | 4.6477% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 3,875 |
| Loan loss allowance to noncurrent loans | 63.8614% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 2.6728% | 2,701 |
| Noncurrent loans to loans | 2.3619% | 3,304 |
| Net loans and leases to total assets | 80.5518% | 719 |
| Net loans and leases to deposits | 90.8782% | 1,710 |
| Net loans and leases to core deposits | 95.5452% | 2,501 |
| Total domestic deposits to total assets | 88.6371% | 1,651 |
| Equity capital to assets | 11.0474% | 2,809 |
| Core capital (leverage) ratio | 10.8289% | 2,380 |
| Tier 1 risk-based capital ratio | 13.2893% | 4,216 |
| Total risk-based capital ratio | 14.5696% | 4,150 |
| Memoranda: | ||
| Average total assets | $41,911,670 | 6,934 |
| Average earning assets | $38,261,670 | 6,918 |
| Average equity | $4,610,330 | 6,899 |
| Average total loans | $34,204,000 | 6,320 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9412% | 1,103 |
| Cost of funding earning assets | 1.8876% | 1,501 |
| Net interest margin | 4.0536% | 2,635 |
| Noninterest income to average assets | 0.0953% | 7,228 |
| Noninterest expense to average assets | 2.8985% | 4,068 |
| Loan and lease loss provision to assets | 0.7437% | 1,712 |
| Net operating income to assets | 0.0286% | 6,222 |
| Return on assets (ROA) | 0.0286% | 6,337 |
| Pretax return on assets | 0.2002% | 5,876 |
| Return on Equity (ROE) | 0.2606% | 6,337 |
| Retained earnings to average equity (ytd only) | 0.2606% | 5,725 |
| Net charge-offs to loans | 0.5614% | 2,398 |
| Credit loss provision to net charge-offs | 162.5000% | 2,227 |
| Earnings coverage of net charge-offs (x) | 2.0625% | 3,510 |
| Efficiency ratio | 75.4342% | 3,315 |
| Assets per employee ($millions) | 3.8165% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 5,195 |
| Loan loss allowance to noncurrent loans | 59.7015% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 2.1891% | 3,290 |
| Noncurrent loans to loans | 2.0981% | 3,658 |
| Net loans and leases to total assets | 82.6255% | 520 |
| Net loans and leases to deposits | 93.1045% | 1,462 |
| Net loans and leases to core deposits | 99.2787% | 2,201 |
| Total domestic deposits to total assets | 88.7449% | 1,648 |
| Equity capital to assets | 10.9835% | 2,779 |
| Core capital (leverage) ratio | 11.1427% | 2,133 |
| Tier 1 risk-based capital ratio | 12.7161% | 4,545 |
| Total risk-based capital ratio | 13.9369% | 4,536 |
| Memoranda: | ||
| Average total assets | $41,953,000 | 7,020 |
| Average earning assets | $38,780,000 | 6,985 |
| Average equity | $4,605,000 | 6,971 |
| Average total loans | $34,201,000 | 6,412 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1454% | 1,387 |
| Cost of funding earning assets | 2.3244% | 1,568 |
| Net interest margin | 3.8210% | 3,618 |
| Noninterest income to average assets | 0.2033% | 6,654 |
| Noninterest expense to average assets | 2.8582% | 4,709 |
| Loan and lease loss provision to assets | 0.2890% | 5,118 |
| Net operating income to assets | 0.3135% | 4,483 |
| Return on assets (ROA) | 0.3135% | 4,565 |
| Pretax return on assets | 0.5829% | 3,955 |
| Return on Equity (ROE) | 2.8159% | 4,579 |
| Retained earnings to average equity (ytd only) | 2.8159% | 3,196 |
| Net charge-offs to loans | 0.1302% | 5,896 |
| Credit loss provision to net charge-offs | 274.4186% | 1,252 |
| Earnings coverage of net charge-offs (x) | 8.2791% | 1,964 |
| Efficiency ratio | 76.6251% | 3,417 |
| Assets per employee ($millions) | 4.1925% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 5,161 |
| Loan loss allowance to noncurrent loans | 62.0272% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 2.3614% | 2,940 |
| Noncurrent loans to loans | 1.9865% | 3,663 |
| Net loans and leases to total assets | 78.3900% | 1,302 |
| Net loans and leases to deposits | 88.4990% | 2,472 |
| Net loans and leases to core deposits | 137.3036% | 899 |
| Total domestic deposits to total assets | 88.5772% | 1,686 |
| Equity capital to assets | 10.9696% | 2,728 |
| Core capital (leverage) ratio | 10.7223% | 2,407 |
| Tier 1 risk-based capital ratio | 13.2663% | 3,979 |
| Total risk-based capital ratio | 14.5000% | 3,928 |
| Memoranda: | ||
| Average total assets | $40,830,200 | 7,059 |
| Average earning assets | $37,686,800 | 7,024 |
| Average equity | $4,545,600 | 7,097 |
| Average total loans | $33,018,800 | 6,464 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2362% | 1,278 |
| Cost of funding earning assets | 2.3697% | 1,745 |
| Net interest margin | 3.8664% | 3,355 |
| Noninterest income to average assets | 0.2203% | 6,653 |
| Noninterest expense to average assets | 2.8930% | 4,483 |
| Loan and lease loss provision to assets | 0.1874% | 5,498 |
| Net operating income to assets | 0.4274% | 4,289 |
| Return on assets (ROA) | 0.4274% | 4,392 |
| Pretax return on assets | 0.7068% | 3,830 |
| Return on Equity (ROE) | 3.8244% | 4,449 |
| Retained earnings to average equity (ytd only) | 3.8244% | 3,155 |
| Net charge-offs to loans | 0.1295% | 5,400 |
| Credit loss provision to net charge-offs | 178.1250% | 2,586 |
| Earnings coverage of net charge-offs (x) | 8.4992% | 2,233 |
| Efficiency ratio | 76.3889% | 3,436 |
| Assets per employee ($millions) | 4.1105% | 3,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 5,959 |
| Loan loss allowance to noncurrent loans | 191.0053% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 1.0373% | 5,005 |
| Noncurrent loans to loans | 0.5555% | 6,204 |
| Net loans and leases to total assets | 74.4532% | 2,395 |
| Net loans and leases to deposits | 83.2032% | 3,798 |
| Net loans and leases to core deposits | 126.7518% | 1,682 |
| Total domestic deposits to total assets | 89.4836% | 975 |
| Equity capital to assets | 10.1626% | 3,893 |
| Core capital (leverage) ratio | 10.3167% | 2,956 |
| Tier 1 risk-based capital ratio | 12.9646% | 4,214 |
| Total risk-based capital ratio | 14.0311% | 4,273 |
| Memoranda: | ||
| Average total assets | $40,556,500 | 7,120 |
| Average earning assets | $37,415,250 | 7,096 |
| Average equity | $4,532,250 | 7,167 |
| Average total loans | $32,954,750 | 6,515 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4099% | 988 |
| Cost of funding earning assets | 2.3542% | 2,146 |
| Net interest margin | 4.0557% | 2,487 |
| Noninterest income to average assets | 0.1949% | 6,897 |
| Noninterest expense to average assets | 3.0254% | 3,986 |
| Loan and lease loss provision to assets | 0.2154% | 4,892 |
| Net operating income to assets | 0.4205% | 4,422 |
| Return on assets (ROA) | 0.4205% | 4,529 |
| Pretax return on assets | 0.6820% | 4,058 |
| Return on Equity (ROE) | 3.6353% | 4,653 |
| Retained earnings to average equity (ytd only) | 3.6353% | 3,279 |
| Net charge-offs to loans | 0.1963% | 4,305 |
| Credit loss provision to net charge-offs | 131.2500% | 3,553 |
| Earnings coverage of net charge-offs (x) | 5.4688% | 2,830 |
| Efficiency ratio | 77.1242% | 3,490 |
| Assets per employee ($millions) | 4.2396% | 3,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 6,052 |
| Loan loss allowance to noncurrent loans | 234.2282% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 1.4011% | 4,155 |
| Noncurrent loans to loans | 0.4374% | 6,427 |
| Net loans and leases to total assets | 79.5240% | 1,394 |
| Net loans and leases to deposits | 89.4178% | 2,913 |
| Net loans and leases to core deposits | 139.6240% | 1,031 |
| Total domestic deposits to total assets | 88.9353% | 1,296 |
| Equity capital to assets | 10.7321% | 3,175 |
| Core capital (leverage) ratio | 11.1357% | 2,308 |
| Tier 1 risk-based capital ratio | 12.9082% | 4,209 |
| Total risk-based capital ratio | 13.9018% | 4,314 |
| Memoranda: | ||
| Average total assets | $39,003,670 | 7,258 |
| Average earning assets | $35,850,670 | 7,229 |
| Average equity | $4,511,330 | 7,239 |
| Average total loans | $32,598,000 | 6,579 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4408% | 971 |
| Cost of funding earning assets | 2.3772% | 2,388 |
| Net interest margin | 4.0635% | 2,417 |
| Noninterest income to average assets | 0.2573% | 6,390 |
| Noninterest expense to average assets | 3.0235% | 3,662 |
| Loan and lease loss provision to assets | 0.1930% | 4,504 |
| Net operating income to assets | 0.4718% | 4,557 |
| Return on assets (ROA) | 0.4718% | 4,747 |
| Pretax return on assets | 0.7612% | 4,219 |
| Return on Equity (ROE) | 3.9181% | 4,972 |
| Retained earnings to average equity (ytd only) | 3.9181% | 3,714 |
| Net charge-offs to loans | 0.4142% | 2,447 |
| Credit loss provision to net charge-offs | 54.5455% | 4,609 |
| Earnings coverage of net charge-offs (x) | 2.6970% | 3,414 |
| Efficiency ratio | 76.0108% | 3,492 |
| Assets per employee ($millions) | 3.3823% | 5,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9474% | 6,512 |
| Loan loss allowance to noncurrent loans | 172.5275% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 1.4944% | 3,691 |
| Noncurrent loans to loans | 0.5492% | 6,043 |
| Net loans and leases to total assets | 88.2355% | 245 |
| Net loans and leases to deposits | 100.7303% | 1,311 |
| Net loans and leases to core deposits | 158.5205% | 516 |
| Total domestic deposits to total assets | 87.5958% | 1,924 |
| Equity capital to assets | 12.1355% | 2,176 |
| Core capital (leverage) ratio | 12.2892% | 1,765 |
| Tier 1 risk-based capital ratio | 13.5540% | 3,830 |
| Total risk-based capital ratio | 14.5006% | 3,942 |
| Memoranda: | ||
| Average total assets | $37,307,500 | 7,359 |
| Average earning assets | $34,157,500 | 7,345 |
| Average equity | $4,492,000 | 7,290 |
| Average total loans | $31,865,000 | 6,656 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9148% | 1,359 |
| Cost of funding earning assets | 3.0904% | 1,533 |
| Net interest margin | 3.8245% | 3,919 |
| Noninterest income to average assets | 0.4297% | 5,216 |
| Noninterest expense to average assets | 3.2148% | 3,283 |
| Loan and lease loss provision to assets | 0.7681% | 1,941 |
| Net operating income to assets | -0.1209% | 6,523 |
| Return on assets (ROA) | -0.1209% | 6,377 |
| Pretax return on assets | -0.0833% | 6,250 |
| Return on Equity (ROE) | -1.0168% | 6,370 |
| Retained earnings to average equity (ytd only) | -1.0168% | 5,608 |
| Net charge-offs to loans | 0.5691% | 2,109 |
| Credit loss provision to net charge-offs | 170.2381% | 3,007 |
| Earnings coverage of net charge-offs (x) | 1.5179% | 5,343 |
| Efficiency ratio | 82.4380% | 2,247 |
| Assets per employee ($millions) | 3.4009% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 5,451 |
| Loan loss allowance to noncurrent loans | 236.6906% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 2.3684% | 2,048 |
| Noncurrent loans to loans | 0.4544% | 5,983 |
| Net loans and leases to total assets | 80.8848% | 1,469 |
| Net loans and leases to deposits | 92.0426% | 3,130 |
| Net loans and leases to core deposits | 130.5843% | 1,815 |
| Total domestic deposits to total assets | 87.8776% | 1,525 |
| Equity capital to assets | 11.9460% | 2,325 |
| Core capital (leverage) ratio | 12.1900% | 1,885 |
| Tier 1 risk-based capital ratio | 13.9676% | 3,561 |
| Total risk-based capital ratio | 14.9995% | 3,590 |
| Memoranda: | ||
| Average total assets | $37,234,000 | 7,337 |
| Average earning assets | $33,782,400 | 7,333 |
| Average equity | $4,425,600 | 7,351 |
| Average total loans | $29,518,200 | 6,737 |