Home > Citizens State Bank of Waverly, Inc. > Performance and Condition Ratios
Citizens State Bank of Waverly, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8851% | 4,096 |
| Cost of funding earning assets | 1.2371% | 2,703 |
| Net interest margin | 2.6480% | 3,902 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.2267% | 3,052 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.5708% | 3,512 |
| Return on assets (ROA) | 0.5378% | 3,583 |
| Pretax return on assets | 0.4745% | 3,858 |
| Return on Equity (ROE) | 10.0800% | 2,477 |
| Retained earnings to average equity (ytd only) | 10.0777% | 1,004 |
| 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 | 79.9938% | 921 |
| Assets per employee ($millions) | 6.8253% | 2,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 1,280 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 48.5700% | 3,694 |
| Net loans and leases to deposits | 52.0562% | 3,880 |
| Net loans and leases to core deposits | 52.9852% | 4,002 |
| Total domestic deposits to total assets | 93.3000% | 151 |
| Equity capital to assets | 6.4320% | 4,138 |
| Core capital (leverage) ratio | 9.4055% | 3,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2110% | 1,044 |
| Memoranda: | ||
| Average total assets | $115,283,800 | 3,700 |
| Average earning assets | $106,947,600 | 3,677 |
| Average equity | $6,152,200 | 4,150 |
| Average total loans | $56,170,600 | 3,756 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8028% | 4,112 |
| Cost of funding earning assets | 1.1548% | 2,579 |
| Net interest margin | 2.6479% | 3,953 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.2647% | 2,904 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.6221% | 3,489 |
| Return on assets (ROA) | 0.5780% | 3,585 |
| Pretax return on assets | 0.4622% | 3,972 |
| Return on Equity (ROE) | 11.4200% | 2,272 |
| Retained earnings to average equity (ytd only) | 11.4227% | 1,084 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.1203% | 795 |
| Assets per employee ($millions) | 7.0781% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 1,509 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 50.1400% | 3,606 |
| Net loans and leases to deposits | 52.7861% | 3,849 |
| Net loans and leases to core deposits | 53.3776% | 3,954 |
| Total domestic deposits to total assets | 94.9900% | 123 |
| Equity capital to assets | 4.6985% | 4,297 |
| Core capital (leverage) ratio | 9.3768% | 3,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7413% | 1,145 |
| Memoranda: | ||
| Average total assets | $115,097,250 | 3,707 |
| Average earning assets | $106,797,000 | 3,689 |
| Average equity | $5,824,500 | 4,186 |
| Average total loans | $55,920,500 | 3,769 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7087% | 4,134 |
| Cost of funding earning assets | 1.0929% | 2,294 |
| Net interest margin | 2.6159% | 4,093 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.2953% | 2,823 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.6170% | 3,535 |
| Return on assets (ROA) | 0.5514% | 3,701 |
| Pretax return on assets | 0.3785% | 4,147 |
| Return on Equity (ROE) | 10.6500% | 2,518 |
| Retained earnings to average equity (ytd only) | 10.6469% | 1,259 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.0000% | 658 |
| Assets per employee ($millions) | 6.6139% | 2,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4171% | 1,466 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 49.1200% | 3,609 |
| Net loans and leases to deposits | 52.1730% | 3,832 |
| Net loans and leases to core deposits | 52.1730% | 3,946 |
| Total domestic deposits to total assets | 94.1600% | 142 |
| Equity capital to assets | 5.5516% | 4,284 |
| Core capital (leverage) ratio | 8.5948% | 4,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6268% | 1,185 |
| Memoranda: | ||
| Average total assets | $115,713,333 | 3,720 |
| Average earning assets | $107,422,000 | 3,689 |
| Average equity | $5,992,333 | 4,194 |
| Average total loans | $55,367,667 | 3,786 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5095% | 4,249 |
| Cost of funding earning assets | 0.9865% | 2,091 |
| Net interest margin | 2.5230% | 4,285 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.2394% | 2,987 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.3749% | 4,128 |
| Return on assets (ROA) | 0.2454% | 4,277 |
| Pretax return on assets | 0.2454% | 4,301 |
| Return on Equity (ROE) | 4.9100% | 3,907 |
| Retained earnings to average equity (ytd only) | 4.9084% | 3,042 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.0153% | 591 |
| Assets per employee ($millions) | 6.9621% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 1,402 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 45.3100% | 3,808 |
| Net loans and leases to deposits | 48.0632% | 3,959 |
| Net loans and leases to core deposits | 48.0632% | 4,048 |
| Total domestic deposits to total assets | 94.2700% | 145 |
| Equity capital to assets | 5.4835% | 4,343 |
| Core capital (leverage) ratio | 8.2978% | 4,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5697% | 1,245 |
| Memoranda: | ||
| Average total assets | $117,352,000 | 3,748 |
| Average earning assets | $109,076,000 | 3,729 |
| Average equity | $5,867,500 | 4,256 |
| Average total loans | $55,037,500 | 3,835 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1738% | 3,865 |
| Cost of funding earning assets | 0.3392% | 2,560 |
| Net interest margin | 2.8347% | 3,821 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.9780% | 3,643 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.8514% | 3,144 |
| Return on assets (ROA) | 0.7286% | 3,479 |
| Pretax return on assets | 0.8153% | 3,586 |
| Return on Equity (ROE) | 12.7000% | 1,904 |
| Retained earnings to average equity (ytd only) | 12.6991% | 553 |
| Net charge-offs to loans | 0.0343% | 1,395 |
| Credit loss provision to net charge-offs | 266.6667% | 970 |
| Earnings coverage of net charge-offs (x) | 65.6111% | 1,193 |
| Efficiency ratio | 65.3454% | 2,315 |
| Assets per employee ($millions) | 7.7565% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 1,504 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 47.1700% | 3,729 |
| Net loans and leases to deposits | 49.5021% | 3,919 |
| Net loans and leases to core deposits | 49.5021% | 3,995 |
| Total domestic deposits to total assets | 95.2800% | 121 |
| Equity capital to assets | 4.5080% | 4,461 |
| Core capital (leverage) ratio | 7.7118% | 4,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3095% | 1,529 |
| Memoranda: | ||
| Average total assets | $118,857,400 | 3,742 |
| Average earning assets | $111,159,600 | 3,711 |
| Average equity | $6,819,400 | 4,236 |
| Average total loans | $52,515,000 | 3,854 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0665% | 3,748 |
| Cost of funding earning assets | 0.2276% | 2,952 |
| Net interest margin | 2.8388% | 3,655 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 1.9227% | 3,693 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.9186% | 2,800 |
| Return on assets (ROA) | 0.9083% | 2,812 |
| Pretax return on assets | 0.9920% | 3,039 |
| Return on Equity (ROE) | 15.0500% | 1,161 |
| Retained earnings to average equity (ytd only) | 15.0465% | 363 |
| Net charge-offs to loans | 0.0464% | 1,022 |
| Credit loss provision to net charge-offs | 266.6667% | 868 |
| Earnings coverage of net charge-offs (x) | 52.6111% | 1,255 |
| Efficiency ratio | 63.3333% | 2,646 |
| Assets per employee ($millions) | 7.7684% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4775% | 1,364 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 44.5800% | 3,843 |
| Net loans and leases to deposits | 46.3969% | 4,007 |
| Net loans and leases to core deposits | 46.3969% | 4,087 |
| Total domestic deposits to total assets | 96.0800% | 122 |
| Equity capital to assets | 3.6327% | 4,529 |
| Core capital (leverage) ratio | 7.3201% | 4,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9006% | 1,458 |
| Memoranda: | ||
| Average total assets | $119,484,750 | 3,760 |
| Average earning assets | $111,874,250 | 3,730 |
| Average equity | $7,213,000 | 4,226 |
| Average total loans | $51,730,000 | 3,887 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9393% | 3,699 |
| Cost of funding earning assets | 0.1719% | 3,291 |
| Net interest margin | 2.7675% | 3,531 |
| Noninterest income to average assets | 0.3088% | 3,312 |
| Noninterest expense to average assets | 1.8776% | 3,762 |
| Loan and lease loss provision to assets | 0.0498% | 1,687 |
| Net operating income to assets | 0.8968% | 2,599 |
| Return on assets (ROA) | 0.8815% | 2,637 |
| Pretax return on assets | 0.9579% | 2,876 |
| Return on Equity (ROE) | 12.9412% | 1,398 |
| Retained earnings to average equity (ytd only) | 12.9412% | 476 |
| Net charge-offs to loans | 0.0428% | 957 |
| Credit loss provision to net charge-offs | 272.7273% | 833 |
| Earnings coverage of net charge-offs (x) | 56.0909% | 1,108 |
| Efficiency ratio | 63.4439% | 2,850 |
| Assets per employee ($millions) | 8.0610% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4384% | 1,602 |
| Loan loss allowance to noncurrent loans | 10,971.4286% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 3,990 |
| Noncurrent loans to loans | 0.0131% | 3,874 |
| Net loans and leases to total assets | 43.5223% | 3,870 |
| Net loans and leases to deposits | 45.8862% | 4,032 |
| Net loans and leases to core deposits | 45.8862% | 4,126 |
| Total domestic deposits to total assets | 94.8484% | 159 |
| Equity capital to assets | 4.9498% | 4,484 |
| Core capital (leverage) ratio | 7.2942% | 4,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3980% | 1,600 |
| Memoranda: | ||
| Average total assets | $120,471,000 | 3,795 |
| Average earning assets | $112,883,000 | 3,776 |
| Average equity | $8,206,333 | 4,179 |
| Average total loans | $51,398,333 | 3,940 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8522% | 3,640 |
| Cost of funding earning assets | 0.1632% | 3,324 |
| Net interest margin | 2.6891% | 3,433 |
| Noninterest income to average assets | 0.2894% | 3,391 |
| Noninterest expense to average assets | 1.8295% | 3,870 |
| Loan and lease loss provision to assets | 0.0499% | 1,478 |
| Net operating income to assets | 0.8715% | 2,407 |
| Return on assets (ROA) | 0.8715% | 2,397 |
| Pretax return on assets | 0.9314% | 2,658 |
| Return on Equity (ROE) | 11.2483% | 1,529 |
| Retained earnings to average equity (ytd only) | 11.2483% | 733 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7870% | 3,051 |
| Assets per employee ($millions) | 7.4051% | 1,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4846% | 1,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 42.7896% | 3,833 |
| Net loans and leases to deposits | 45.8047% | 3,988 |
| Net loans and leases to core deposits | 45.8047% | 4,080 |
| Total domestic deposits to total assets | 93.4176% | 181 |
| Equity capital to assets | 6.3453% | 4,485 |
| Core capital (leverage) ratio | 7.3812% | 4,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5316% | 1,637 |
| Memoranda: | ||
| Average total assets | $120,249,000 | 3,814 |
| Average earning assets | $112,753,500 | 3,796 |
| Average equity | $9,317,000 | 4,130 |
| Average total loans | $50,401,000 | 3,966 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3521% | 3,046 |
| Cost of funding earning assets | 0.2224% | 3,227 |
| Net interest margin | 3.1298% | 2,806 |
| Noninterest income to average assets | 0.3985% | 3,055 |
| Noninterest expense to average assets | 2.0224% | 3,611 |
| Loan and lease loss provision to assets | 0.0541% | 1,974 |
| Net operating income to assets | 1.1343% | 2,162 |
| Return on assets (ROA) | 1.1343% | 2,212 |
| Pretax return on assets | 1.2280% | 2,577 |
| Return on Equity (ROE) | 11.4630% | 1,997 |
| Retained earnings to average equity (ytd only) | 8.5016% | 1,340 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0273% | 3,142 |
| Assets per employee ($millions) | 6.7787% | 2,087 |
| Cash dividends to net income (ytd only)* | 25.8347% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5180% | 1,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 39.8235% | 4,102 |
| Net loans and leases to deposits | 43.9582% | 4,182 |
| Net loans and leases to core deposits | 43.9582% | 4,267 |
| Total domestic deposits to total assets | 90.5939% | 678 |
| Equity capital to assets | 9.1103% | 3,503 |
| Core capital (leverage) ratio | 7.0877% | 4,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5489% | 1,671 |
| Memoranda: | ||
| Average total assets | $110,909,400 | 3,885 |
| Average earning assets | $102,979,200 | 3,877 |
| Average equity | $10,974,400 | 4,039 |
| Average total loans | $47,949,200 | 4,040 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5347% | 2,732 |
| Cost of funding earning assets | 0.2368% | 3,248 |
| Net interest margin | 3.2979% | 2,420 |
| Noninterest income to average assets | 0.4402% | 2,886 |
| Noninterest expense to average assets | 2.0961% | 3,378 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3958% | 1,560 |
| Return on assets (ROA) | 1.3958% | 1,619 |
| Pretax return on assets | 1.4007% | 2,328 |
| Return on Equity (ROE) | 13.7974% | 1,452 |
| Retained earnings to average equity (ytd only) | 9.8361% | 1,372 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8152% | 3,152 |
| Assets per employee ($millions) | 6.7334% | 2,063 |
| Cash dividends to net income (ytd only)* | 28.7102% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4926% | 1,660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 37.5167% | 4,321 |
| Net loans and leases to deposits | 41.5260% | 4,394 |
| Net loans and leases to core deposits | 41.5260% | 4,464 |
| Total domestic deposits to total assets | 90.3450% | 621 |
| Equity capital to assets | 9.2589% | 3,602 |
| Core capital (leverage) ratio | 7.2895% | 4,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1036% | 1,589 |
| Memoranda: | ||
| Average total assets | $108,132,750 | 3,960 |
| Average earning assets | $100,221,500 | 3,956 |
| Average equity | $10,939,000 | 4,097 |
| Average total loans | $47,601,500 | 4,101 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5013% | 2,888 |
| Cost of funding earning assets | 0.2570% | 3,227 |
| Net interest margin | 3.2444% | 2,621 |
| Noninterest income to average assets | 0.5146% | 2,567 |
| Noninterest expense to average assets | 2.0737% | 3,469 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4261% | 1,497 |
| Return on assets (ROA) | 1.4261% | 1,561 |
| Pretax return on assets | 1.4339% | 2,229 |
| Return on Equity (ROE) | 13.6473% | 1,519 |
| Retained earnings to average equity (ytd only) | 7.6535% | 2,210 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9121% | 3,298 |
| Assets per employee ($millions) | 6.5168% | 2,158 |
| Cash dividends to net income (ytd only)* | 43.9189% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4907% | 1,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 41.0973% | 4,232 |
| Net loans and leases to deposits | 45.9658% | 4,313 |
| Net loans and leases to core deposits | 45.9658% | 4,398 |
| Total domestic deposits to total assets | 89.4084% | 1,077 |
| Equity capital to assets | 9.9489% | 2,894 |
| Core capital (leverage) ratio | 7.6774% | 4,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3039% | 1,531 |
| Memoranda: | ||
| Average total assets | $103,776,333 | 4,031 |
| Average earning assets | $95,735,000 | 4,022 |
| Average equity | $10,844,667 | 4,120 |
| Average total loans | $48,082,000 | 4,119 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5091% | 2,894 |
| Cost of funding earning assets | 0.2565% | 3,415 |
| Net interest margin | 3.2525% | 2,541 |
| Noninterest income to average assets | 0.6861% | 1,911 |
| Noninterest expense to average assets | 2.0385% | 3,593 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6156% | 1,101 |
| Return on assets (ROA) | 1.6156% | 1,152 |
| Pretax return on assets | 1.6316% | 1,647 |
| Return on Equity (ROE) | 15.0614% | 1,195 |
| Retained earnings to average equity (ytd only) | 2.9751% | 3,791 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3478% | 3,745 |
| Assets per employee ($millions) | 6.4293% | 2,230 |
| Cash dividends to net income (ytd only)* | 80.2469% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 2,052 |
| Loan loss allowance to noncurrent loans | 2,153.1250% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 2,822 |
| Noncurrent loans to loans | 0.0641% | 3,968 |
| Net loans and leases to total assets | 47.8662% | 3,834 |
| Net loans and leases to deposits | 53.8361% | 3,948 |
| Net loans and leases to core deposits | 53.8361% | 4,098 |
| Total domestic deposits to total assets | 88.9110% | 1,382 |
| Equity capital to assets | 10.2782% | 2,451 |
| Core capital (leverage) ratio | 7.8511% | 4,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1923% | 1,847 |
| Memoranda: | ||
| Average total assets | $100,271,500 | 4,072 |
| Average earning assets | $91,990,000 | 4,076 |
| Average equity | $10,756,000 | 4,139 |
| Average total loans | $49,013,500 | 4,122 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1409% | 2,310 |
| Cost of funding earning assets | 0.4198% | 3,461 |
| Net interest margin | 3.7210% | 1,730 |
| Noninterest income to average assets | 0.3763% | 3,230 |
| Noninterest expense to average assets | 2.2589% | 3,512 |
| Loan and lease loss provision to assets | 0.1166% | 2,897 |
| Net operating income to assets | 1.3831% | 1,058 |
| Return on assets (ROA) | 1.3964% | 1,120 |
| Pretax return on assets | 1.3986% | 1,659 |
| Return on Equity (ROE) | 12.2395% | 1,251 |
| Retained earnings to average equity (ytd only) | 7.2289% | 1,305 |
| Net charge-offs to loans | 0.0095% | 2,979 |
| Credit loss provision to net charge-offs | 2,100.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 270.6000% | 370 |
| Efficiency ratio | 58.7957% | 3,616 |
| Assets per employee ($millions) | 5.7456% | 2,586 |
| Cash dividends to net income (ytd only)* | 40.9380% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 1,842 |
| Loan loss allowance to noncurrent loans | 2,087.8788% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.5385% | 1,944 |
| Noncurrent loans to loans | 0.0686% | 4,022 |
| Net loans and leases to total assets | 48.5385% | 3,938 |
| Net loans and leases to deposits | 55.1189% | 4,066 |
| Net loans and leases to core deposits | 55.1189% | 4,199 |
| Total domestic deposits to total assets | 88.0614% | 1,445 |
| Equity capital to assets | 11.1994% | 2,101 |
| Core capital (leverage) ratio | 7.9437% | 4,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4838% | 1,684 |
| Memoranda: | ||
| Average total assets | $90,088,600 | 4,120 |
| Average earning assets | $81,939,600 | 4,136 |
| Average equity | $10,278,200 | 4,168 |
| Average total loans | $52,639,200 | 4,053 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2169% | 2,347 |
| Cost of funding earning assets | 0.4254% | 3,667 |
| Net interest margin | 3.7915% | 1,640 |
| Noninterest income to average assets | 0.3810% | 3,179 |
| Noninterest expense to average assets | 2.3055% | 3,406 |
| Loan and lease loss provision to assets | 0.1587% | 2,419 |
| Net operating income to assets | 1.3501% | 1,232 |
| Return on assets (ROA) | 1.3697% | 1,277 |
| Pretax return on assets | 1.3727% | 1,819 |
| Return on Equity (ROE) | 11.9447% | 1,385 |
| Retained earnings to average equity (ytd only) | 5.1550% | 2,498 |
| Net charge-offs to loans | 0.0050% | 2,964 |
| Credit loss provision to net charge-offs | 5,250.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 500.0000% | 229 |
| Efficiency ratio | 59.1287% | 3,505 |
| Assets per employee ($millions) | 6.0168% | 2,248 |
| Cash dividends to net income (ytd only)* | 56.8433% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 2,003 |
| Loan loss allowance to noncurrent loans | 2,035.2941% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.5474% | 2,072 |
| Noncurrent loans to loans | 0.0659% | 4,105 |
| Net loans and leases to total assets | 52.9137% | 3,898 |
| Net loans and leases to deposits | 60.2650% | 4,046 |
| Net loans and leases to core deposits | 60.4452% | 4,179 |
| Total domestic deposits to total assets | 87.8018% | 1,300 |
| Equity capital to assets | 11.0026% | 2,396 |
| Core capital (leverage) ratio | 7.5771% | 4,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8778% | 1,867 |
| Memoranda: | ||
| Average total assets | $88,192,000 | 4,145 |
| Average earning assets | $79,930,750 | 4,168 |
| Average equity | $10,113,000 | 4,197 |
| Average total loans | $53,774,250 | 4,054 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5160% | 1,872 |
| Cost of funding earning assets | 0.4661% | 3,717 |
| Net interest margin | 4.0499% | 1,218 |
| Noninterest income to average assets | 0.3743% | 3,233 |
| Noninterest expense to average assets | 2.4304% | 3,171 |
| Loan and lease loss provision to assets | 0.2456% | 1,715 |
| Net operating income to assets | 1.3520% | 1,215 |
| Return on assets (ROA) | 1.3520% | 1,310 |
| Pretax return on assets | 1.3567% | 1,846 |
| Return on Equity (ROE) | 11.6142% | 1,448 |
| Retained earnings to average equity (ytd only) | 1.2659% | 4,019 |
| Net charge-offs to loans | 0.0073% | 2,692 |
| Credit loss provision to net charge-offs | 5,250.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 342.5000% | 298 |
| Efficiency ratio | 58.9907% | 3,553 |
| Assets per employee ($millions) | 5.7591% | 2,409 |
| Cash dividends to net income (ytd only)* | 89.1003% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 2,325 |
| Loan loss allowance to noncurrent loans | 251.6364% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.8204% | 1,509 |
| Noncurrent loans to loans | 0.4910% | 2,679 |
| Net loans and leases to total assets | 60.0254% | 3,329 |
| Net loans and leases to deposits | 68.5059% | 3,523 |
| Net loans and leases to core deposits | 69.1388% | 3,767 |
| Total domestic deposits to total assets | 87.6207% | 1,368 |
| Equity capital to assets | 11.1334% | 2,223 |
| Core capital (leverage) ratio | 7.8414% | 4,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6525% | 2,334 |
| Memoranda: | ||
| Average total assets | $85,500,000 | 4,188 |
| Average earning assets | $77,236,667 | 4,207 |
| Average equity | $9,953,333 | 4,222 |
| Average total loans | $54,488,667 | 4,045 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6883% | 1,745 |
| Cost of funding earning assets | 0.5478% | 3,708 |
| Net interest margin | 4.1405% | 1,055 |
| Noninterest income to average assets | 0.4186% | 2,979 |
| Noninterest expense to average assets | 2.4484% | 3,435 |
| Loan and lease loss provision to assets | 0.2190% | 1,415 |
| Net operating income to assets | 1.4992% | 784 |
| Return on assets (ROA) | 1.4992% | 859 |
| Pretax return on assets | 1.5041% | 1,294 |
| Return on Equity (ROE) | 12.5708% | 967 |
| Retained earnings to average equity (ytd only) | -3.1427% | 4,371 |
| Net charge-offs to loans | 0.1188% | 991 |
| Credit loss provision to net charge-offs | 281.2500% | 1,223 |
| Earnings coverage of net charge-offs (x) | 22.1250% | 1,368 |
| Efficiency ratio | 57.4096% | 4,071 |
| Assets per employee ($millions) | 4.8399% | 2,826 |
| Cash dividends to net income (ytd only)* | 125.0000% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 2,865 |
| Loan loss allowance to noncurrent loans | 76.2963% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 0.9845% | 1,345 |
| Noncurrent loans to loans | 1.5248% | 1,045 |
| Net loans and leases to total assets | 63.8097% | 3,090 |
| Net loans and leases to deposits | 73.5745% | 3,316 |
| Net loans and leases to core deposits | 74.3391% | 3,613 |
| Total domestic deposits to total assets | 86.7281% | 1,679 |
| Equity capital to assets | 11.9070% | 2,137 |
| Core capital (leverage) ratio | 8.3803% | 4,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3438% | 2,553 |
| Memoranda: | ||
| Average total assets | $82,177,000 | 4,238 |
| Average earning assets | $74,483,500 | 4,248 |
| Average equity | $9,800,500 | 4,263 |
| Average total loans | $53,871,000 | 4,071 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8234% | 1,978 |
| Cost of funding earning assets | 0.5072% | 4,057 |
| Net interest margin | 4.3162% | 1,061 |
| Noninterest income to average assets | 0.4859% | 2,826 |
| Noninterest expense to average assets | 2.7508% | 2,746 |
| Loan and lease loss provision to assets | 0.0656% | 2,706 |
| Net operating income to assets | 1.5734% | 887 |
| Return on assets (ROA) | 1.5682% | 958 |
| Pretax return on assets | 1.5695% | 1,591 |
| Return on Equity (ROE) | 12.8784% | 1,205 |
| Retained earnings to average equity (ytd only) | 3.0613% | 3,491 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3876% | 3,480 |
| Assets per employee ($millions) | 4.5597% | 3,141 |
| Cash dividends to net income (ytd only)* | 76.2295% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0783% | 3,071 |
| Loan loss allowance to noncurrent loans | 91.4596% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.7846% | 1,648 |
| Noncurrent loans to loans | 1.1790% | 1,282 |
| Net loans and leases to total assets | 65.8337% | 2,970 |
| Net loans and leases to deposits | 75.7614% | 3,206 |
| Net loans and leases to core deposits | 76.5492% | 3,540 |
| Total domestic deposits to total assets | 86.8961% | 1,662 |
| Equity capital to assets | 11.9452% | 2,166 |
| Core capital (leverage) ratio | 8.5371% | 4,827 |
| Tier 1 risk-based capital ratio | 12.1299% | 4,285 |
| Total risk-based capital ratio | 13.2057% | 4,269 |
| Memoranda: | ||
| Average total assets | $77,795,400 | 4,323 |
| Average earning assets | $70,386,600 | 4,340 |
| Average equity | $9,473,200 | 4,308 |
| Average total loans | $50,952,600 | 4,161 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8016% | 2,114 |
| Cost of funding earning assets | 0.4737% | 4,251 |
| Net interest margin | 4.3280% | 1,106 |
| Noninterest income to average assets | 0.4883% | 2,806 |
| Noninterest expense to average assets | 2.7196% | 2,811 |
| Loan and lease loss provision to assets | 0.0365% | 3,166 |
| Net operating income to assets | 1.6526% | 824 |
| Return on assets (ROA) | 1.6457% | 880 |
| Pretax return on assets | 1.6474% | 1,478 |
| Return on Equity (ROE) | 13.4459% | 1,126 |
| Retained earnings to average equity (ytd only) | 4.1459% | 3,333 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4019% | 3,561 |
| Assets per employee ($millions) | 3.9659% | 3,947 |
| Cash dividends to net income (ytd only)* | 69.1654% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 3,283 |
| Loan loss allowance to noncurrent loans | 614.2857% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 4,142 |
| Noncurrent loans to loans | 0.1710% | 3,925 |
| Net loans and leases to total assets | 66.3943% | 3,001 |
| Net loans and leases to deposits | 77.6268% | 3,139 |
| Net loans and leases to core deposits | 78.4758% | 3,516 |
| Total domestic deposits to total assets | 85.5302% | 2,197 |
| Equity capital to assets | 12.3593% | 2,001 |
| Core capital (leverage) ratio | 8.8320% | 4,758 |
| Tier 1 risk-based capital ratio | 12.5825% | 4,096 |
| Total risk-based capital ratio | 13.6429% | 4,084 |
| Memoranda: | ||
| Average total assets | $76,725,500 | 4,390 |
| Average earning assets | $69,530,000 | 4,404 |
| Average equity | $9,390,500 | 4,368 |
| Average total loans | $50,035,250 | 4,232 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7517% | 2,218 |
| Cost of funding earning assets | 0.4115% | 4,462 |
| Net interest margin | 4.3401% | 1,066 |
| Noninterest income to average assets | 0.4693% | 2,846 |
| Noninterest expense to average assets | 2.7603% | 2,719 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6266% | 857 |
| Return on assets (ROA) | 1.6161% | 913 |
| Pretax return on assets | 1.6187% | 1,488 |
| Return on Equity (ROE) | 13.2498% | 1,171 |
| Retained earnings to average equity (ytd only) | 1.5779% | 4,262 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5616% | 3,496 |
| Assets per employee ($millions) | 3.8312% | 4,087 |
| Cash dividends to net income (ytd only)* | 88.0914% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 3,228 |
| Loan loss allowance to noncurrent loans | 578.4946% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 4,142 |
| Noncurrent loans to loans | 0.1852% | 3,892 |
| Net loans and leases to total assets | 64.8174% | 3,257 |
| Net loans and leases to deposits | 75.6742% | 3,364 |
| Net loans and leases to core deposits | 76.2400% | 3,706 |
| Total domestic deposits to total assets | 85.6531% | 2,198 |
| Equity capital to assets | 12.4375% | 1,896 |
| Core capital (leverage) ratio | 8.8585% | 4,749 |
| Tier 1 risk-based capital ratio | 12.9343% | 3,871 |
| Total risk-based capital ratio | 14.0211% | 3,871 |
| Memoranda: | ||
| Average total assets | $75,861,670 | 4,441 |
| Average earning assets | $68,523,000 | 4,457 |
| Average equity | $9,253,000 | 4,402 |
| Average total loans | $48,973,330 | 4,284 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7152% | 2,174 |
| Cost of funding earning assets | 0.3753% | 4,589 |
| Net interest margin | 4.3399% | 1,027 |
| Noninterest income to average assets | 0.4239% | 3,019 |
| Noninterest expense to average assets | 2.6921% | 2,928 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6534% | 805 |
| Return on assets (ROA) | 1.6534% | 834 |
| Pretax return on assets | 1.6534% | 1,334 |
| Return on Equity (ROE) | 13.6925% | 1,033 |
| Retained earnings to average equity (ytd only) | -4.9591% | 4,924 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6098% | 3,733 |
| Assets per employee ($millions) | 3.9339% | 4,022 |
| Cash dividends to net income (ytd only)* | 136.2179% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 3,135 |
| Loan loss allowance to noncurrent loans | 578.4946% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 4,174 |
| Noncurrent loans to loans | 0.1900% | 3,908 |
| Net loans and leases to total assets | 64.7803% | 3,196 |
| Net loans and leases to deposits | 75.4488% | 3,310 |
| Net loans and leases to core deposits | 75.4488% | 3,694 |
| Total domestic deposits to total assets | 85.8599% | 2,337 |
| Equity capital to assets | 12.2724% | 1,858 |
| Core capital (leverage) ratio | 8.5367% | 4,988 |
| Tier 1 risk-based capital ratio | 12.7337% | 4,022 |
| Total risk-based capital ratio | 13.8378% | 3,992 |
| Memoranda: | ||
| Average total assets | $75,481,000 | 4,496 |
| Average earning assets | $68,205,000 | 4,510 |
| Average equity | $9,114,500 | 4,450 |
| Average total loans | $48,358,500 | 4,344 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5706% | 2,232 |
| Cost of funding earning assets | 0.3116% | 4,509 |
| Net interest margin | 4.2590% | 1,249 |
| Noninterest income to average assets | 0.5271% | 2,675 |
| Noninterest expense to average assets | 2.7413% | 2,887 |
| Loan and lease loss provision to assets | 0.0413% | 3,362 |
| Net operating income to assets | 1.5606% | 966 |
| Return on assets (ROA) | 1.5606% | 960 |
| Pretax return on assets | 1.5633% | 1,581 |
| Return on Equity (ROE) | 12.7956% | 1,427 |
| Retained earnings to average equity (ytd only) | 2.2454% | 4,257 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7163% | 3,579 |
| Assets per employee ($millions) | 4.2343% | 3,563 |
| Cash dividends to net income (ytd only)* | 82.4515% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 2,941 |
| Loan loss allowance to noncurrent loans | 618.3908% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 4,257 |
| Noncurrent loans to loans | 0.1822% | 3,934 |
| Net loans and leases to total assets | 61.9560% | 3,571 |
| Net loans and leases to deposits | 71.7197% | 3,693 |
| Net loans and leases to core deposits | 71.7197% | 4,010 |
| Total domestic deposits to total assets | 86.3862% | 2,057 |
| Equity capital to assets | 11.8819% | 1,980 |
| Core capital (leverage) ratio | 8.7905% | 4,815 |
| Tier 1 risk-based capital ratio | 13.2324% | 3,703 |
| Total risk-based capital ratio | 14.3609% | 3,671 |
| Memoranda: | ||
| Average total assets | $72,665,600 | 4,541 |
| Average earning assets | $65,156,000 | 4,573 |
| Average equity | $8,862,400 | 4,473 |
| Average total loans | $46,027,400 | 4,401 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5133% | 2,253 |
| Cost of funding earning assets | 0.3049% | 4,485 |
| Net interest margin | 4.2084% | 1,338 |
| Noninterest income to average assets | 0.5331% | 2,662 |
| Noninterest expense to average assets | 2.7064% | 2,965 |
| Loan and lease loss provision to assets | 0.0557% | 2,858 |
| Net operating income to assets | 1.5362% | 1,105 |
| Return on assets (ROA) | 1.5362% | 1,105 |
| Pretax return on assets | 1.5399% | 1,767 |
| Return on Equity (ROE) | 12.5101% | 1,606 |
| Retained earnings to average equity (ytd only) | 0.8623% | 4,887 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5285% | 3,581 |
| Assets per employee ($millions) | 4.0674% | 3,789 |
| Cash dividends to net income (ytd only)* | 93.1075% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1681% | 2,802 |
| Loan loss allowance to noncurrent loans | 611.3636% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.1202% | 4,373 |
| Noncurrent loans to loans | 0.1911% | 4,027 |
| Net loans and leases to total assets | 62.1761% | 3,640 |
| Net loans and leases to deposits | 72.1376% | 3,757 |
| Net loans and leases to core deposits | 72.1376% | 4,075 |
| Total domestic deposits to total assets | 86.1910% | 2,102 |
| Equity capital to assets | 11.9583% | 1,938 |
| Core capital (leverage) ratio | 8.8373% | 4,857 |
| Tier 1 risk-based capital ratio | 13.6049% | 3,572 |
| Total risk-based capital ratio | 14.7941% | 3,517 |
| Memoranda: | ||
| Average total assets | $71,777,750 | 4,606 |
| Average earning assets | $64,282,750 | 4,636 |
| Average equity | $8,814,000 | 4,524 |
| Average total loans | $45,594,500 | 4,466 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4531% | 2,246 |
| Cost of funding earning assets | 0.3019% | 4,403 |
| Net interest margin | 4.1512% | 1,408 |
| Noninterest income to average assets | 0.5302% | 2,686 |
| Noninterest expense to average assets | 2.7574% | 2,818 |
| Loan and lease loss provision to assets | 0.0645% | 2,608 |
| Net operating income to assets | 1.4081% | 1,404 |
| Return on assets (ROA) | 1.4081% | 1,409 |
| Pretax return on assets | 1.4110% | 2,106 |
| Return on Equity (ROE) | 11.3656% | 1,968 |
| Retained earnings to average equity (ytd only) | 1.2905% | 4,690 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6846% | 3,362 |
| Assets per employee ($millions) | 4.2172% | 3,551 |
| Cash dividends to net income (ytd only)* | 88.6454% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 2,947 |
| Loan loss allowance to noncurrent loans | 590.0000% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 4,374 |
| Noncurrent loans to loans | 0.1961% | 4,022 |
| Net loans and leases to total assets | 63.2851% | 3,477 |
| Net loans and leases to deposits | 73.7836% | 3,562 |
| Net loans and leases to core deposits | 73.7836% | 3,893 |
| Total domestic deposits to total assets | 85.7713% | 2,386 |
| Equity capital to assets | 12.3415% | 1,638 |
| Core capital (leverage) ratio | 9.1084% | 4,575 |
| Tier 1 risk-based capital ratio | 13.6285% | 3,547 |
| Total risk-based capital ratio | 14.8064% | 3,493 |
| Memoranda: | ||
| Average total assets | $71,299,330 | 4,662 |
| Average earning assets | $63,595,670 | 4,697 |
| Average equity | $8,833,670 | 4,557 |
| Average total loans | $45,439,670 | 4,509 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4053% | 2,179 |
| Cost of funding earning assets | 0.2840% | 4,470 |
| Net interest margin | 4.1213% | 1,383 |
| Noninterest income to average assets | 0.5176% | 2,704 |
| Noninterest expense to average assets | 2.7285% | 2,948 |
| Loan and lease loss provision to assets | 0.0844% | 2,118 |
| Net operating income to assets | 1.3727% | 1,414 |
| Return on assets (ROA) | 1.3727% | 1,429 |
| Pretax return on assets | 1.3783% | 2,078 |
| Return on Equity (ROE) | 11.0576% | 1,947 |
| Retained earnings to average equity (ytd only) | -4.5771% | 5,183 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6242% | 3,542 |
| Assets per employee ($millions) | 4.1286% | 3,760 |
| Cash dividends to net income (ytd only)* | 141.3934% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 3,045 |
| Loan loss allowance to noncurrent loans | 562.3656% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 4,432 |
| Noncurrent loans to loans | 0.2061% | 4,049 |
| Net loans and leases to total assets | 63.5488% | 3,366 |
| Net loans and leases to deposits | 74.1813% | 3,398 |
| Net loans and leases to core deposits | 74.4289% | 3,783 |
| Total domestic deposits to total assets | 85.6669% | 2,685 |
| Equity capital to assets | 12.4168% | 1,536 |
| Core capital (leverage) ratio | 8.9609% | 4,721 |
| Tier 1 risk-based capital ratio | 13.3007% | 3,784 |
| Total risk-based capital ratio | 14.4647% | 3,734 |
| Memoranda: | ||
| Average total assets | $71,102,500 | 4,719 |
| Average earning assets | $63,377,500 | 4,765 |
| Average equity | $8,826,500 | 4,606 |
| Average total loans | $45,208,500 | 4,558 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3096% | 2,291 |
| Cost of funding earning assets | 0.2657% | 4,428 |
| Net interest margin | 4.0439% | 1,607 |
| Noninterest income to average assets | 0.5929% | 2,484 |
| Noninterest expense to average assets | 2.6803% | 3,193 |
| Loan and lease loss provision to assets | 0.0216% | 3,868 |
| Net operating income to assets | 1.4887% | 825 |
| Return on assets (ROA) | 1.4498% | 920 |
| Pretax return on assets | 1.4527% | 1,808 |
| Return on Equity (ROE) | 11.3344% | 1,382 |
| Retained earnings to average equity (ytd only) | 0.9022% | 4,663 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0891% | 3,760 |
| Assets per employee ($millions) | 4.2364% | 3,600 |
| Cash dividends to net income (ytd only)* | 92.0398% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 3,235 |
| Loan loss allowance to noncurrent loans | 540.4255% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 4,478 |
| Noncurrent loans to loans | 0.2075% | 4,081 |
| Net loans and leases to total assets | 62.1831% | 3,593 |
| Net loans and leases to deposits | 72.6278% | 3,632 |
| Net loans and leases to core deposits | 72.8653% | 3,980 |
| Total domestic deposits to total assets | 85.6189% | 2,609 |
| Equity capital to assets | 12.4108% | 1,566 |
| Core capital (leverage) ratio | 8.9980% | 4,658 |
| Tier 1 risk-based capital ratio | 13.5503% | 3,600 |
| Total risk-based capital ratio | 14.6770% | 3,580 |
| Memoranda: | ||
| Average total assets | $69,320,200 | 4,787 |
| Average earning assets | $61,722,000 | 4,824 |
| Average equity | $8,866,800 | 4,634 |
| Average total loans | $44,489,800 | 4,605 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3326% | 2,166 |
| Cost of funding earning assets | 0.2618% | 4,468 |
| Net interest margin | 4.0708% | 1,475 |
| Noninterest income to average assets | 0.6041% | 2,459 |
| Noninterest expense to average assets | 2.6570% | 3,220 |
| Loan and lease loss provision to assets | 0.0291% | 3,543 |
| Net operating income to assets | 1.5383% | 820 |
| Return on assets (ROA) | 1.5364% | 853 |
| Pretax return on assets | 1.5402% | 1,620 |
| Return on Equity (ROE) | 11.9182% | 1,357 |
| Retained earnings to average equity (ytd only) | -0.2862% | 5,254 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9660% | 3,889 |
| Assets per employee ($millions) | 4.1444% | 3,750 |
| Cash dividends to net income (ytd only)* | 102.4018% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 3,139 |
| Loan loss allowance to noncurrent loans | 523.7113% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.1377% | 4,560 |
| Noncurrent loans to loans | 0.2216% | 4,180 |
| Net loans and leases to total assets | 61.4003% | 3,732 |
| Net loans and leases to deposits | 72.3516% | 3,734 |
| Net loans and leases to core deposits | 72.5956% | 4,096 |
| Total domestic deposits to total assets | 84.8639% | 2,768 |
| Equity capital to assets | 12.6976% | 1,544 |
| Core capital (leverage) ratio | 8.9803% | 4,764 |
| Tier 1 risk-based capital ratio | 13.7288% | 3,565 |
| Total risk-based capital ratio | 14.8910% | 3,545 |
| Memoranda: | ||
| Average total assets | $68,645,750 | 4,850 |
| Average earning assets | $61,116,500 | 4,887 |
| Average equity | $8,849,000 | 4,686 |
| Average total loans | $44,289,500 | 4,654 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2652% | 2,236 |
| Cost of funding earning assets | 0.2536% | 4,510 |
| Net interest margin | 4.0116% | 1,567 |
| Noninterest income to average assets | 0.6320% | 2,306 |
| Noninterest expense to average assets | 2.6660% | 3,216 |
| Loan and lease loss provision to assets | 0.0441% | 3,109 |
| Net operating income to assets | 1.4961% | 871 |
| Return on assets (ROA) | 1.4932% | 902 |
| Pretax return on assets | 1.4991% | 1,642 |
| Return on Equity (ROE) | 11.5236% | 1,458 |
| Retained earnings to average equity (ytd only) | -1.1796% | 5,255 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4564% | 3,914 |
| Assets per employee ($millions) | 4.0195% | 3,925 |
| Cash dividends to net income (ytd only)* | 110.2362% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 3,362 |
| Loan loss allowance to noncurrent loans | 534.7368% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 4,629 |
| Noncurrent loans to loans | 0.2134% | 4,266 |
| Net loans and leases to total assets | 64.4017% | 3,332 |
| Net loans and leases to deposits | 76.2594% | 3,312 |
| Net loans and leases to core deposits | 76.5246% | 3,727 |
| Total domestic deposits to total assets | 84.4509% | 3,028 |
| Equity capital to assets | 13.0481% | 1,352 |
| Core capital (leverage) ratio | 9.2674% | 4,404 |
| Tier 1 risk-based capital ratio | 13.3412% | 3,782 |
| Total risk-based capital ratio | 14.4786% | 3,766 |
| Memoranda: | ||
| Average total assets | $68,043,000 | 4,896 |
| Average earning assets | $60,724,330 | 4,933 |
| Average equity | $8,816,670 | 4,718 |
| Average total loans | $44,463,670 | 4,677 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2005% | 2,280 |
| Cost of funding earning assets | 0.2510% | 4,529 |
| Net interest margin | 3.9495% | 1,609 |
| Noninterest income to average assets | 0.7069% | 1,934 |
| Noninterest expense to average assets | 2.6451% | 3,323 |
| Loan and lease loss provision to assets | 0.0884% | 2,066 |
| Net operating income to assets | 1.4845% | 840 |
| Return on assets (ROA) | 1.4787% | 877 |
| Pretax return on assets | 1.4905% | 1,565 |
| Return on Equity (ROE) | 11.4520% | 1,418 |
| Retained earnings to average equity (ytd only) | -9.0795% | 5,558 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6992% | 4,195 |
| Assets per employee ($millions) | 4.1963% | 3,667 |
| Cash dividends to net income (ytd only)* | 179.2829% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 3,355 |
| Loan loss allowance to noncurrent loans | 373.5294% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 4,430 |
| Noncurrent loans to loans | 0.3109% | 4,011 |
| Net loans and leases to total assets | 64.4033% | 3,219 |
| Net loans and leases to deposits | 76.2386% | 3,171 |
| Net loans and leases to core deposits | 76.5084% | 3,607 |
| Total domestic deposits to total assets | 84.4760% | 3,298 |
| Equity capital to assets | 12.9533% | 1,273 |
| Core capital (leverage) ratio | 9.0418% | 4,686 |
| Tier 1 risk-based capital ratio | 13.2939% | 3,894 |
| Total risk-based capital ratio | 14.4575% | 3,862 |
| Memoranda: | ||
| Average total assets | $67,898,500 | 4,952 |
| Average earning assets | $60,564,000 | 4,985 |
| Average equity | $8,767,000 | 4,757 |
| Average total loans | $44,438,000 | 4,717 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4247% | 1,762 |
| Cost of funding earning assets | 0.2726% | 4,336 |
| Net interest margin | 4.1521% | 1,232 |
| Noninterest income to average assets | 0.5700% | 2,819 |
| Noninterest expense to average assets | 2.6499% | 3,523 |
| Loan and lease loss provision to assets | 0.1504% | 1,661 |
| Net operating income to assets | 1.4333% | 952 |
| Return on assets (ROA) | 1.4333% | 973 |
| Pretax return on assets | 1.4348% | 1,802 |
| Return on Equity (ROE) | 10.7059% | 1,688 |
| Retained earnings to average equity (ytd only) | -0.2471% | 5,341 |
| Net charge-offs to loans | -0.0202% | 5,127 |
| Credit loss provision to net charge-offs | -1,111.1111% | 5,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6832% | 4,315 |
| Assets per employee ($millions) | 4.0386% | 3,897 |
| Cash dividends to net income (ytd only)* | 102.3085% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0925% | 3,755 |
| Loan loss allowance to noncurrent loans | 91.6357% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 0.7836% | 2,391 |
| Noncurrent loans to loans | 1.1922% | 1,721 |
| Net loans and leases to total assets | 65.0111% | 3,215 |
| Net loans and leases to deposits | 76.8386% | 3,222 |
| Net loans and leases to core deposits | 77.1041% | 3,648 |
| Total domestic deposits to total assets | 84.6073% | 3,205 |
| Equity capital to assets | 12.8714% | 1,315 |
| Core capital (leverage) ratio | 9.3209% | 4,327 |
| Tier 1 risk-based capital ratio | 13.2882% | 3,902 |
| Total risk-based capital ratio | 14.3717% | 3,910 |
| Memoranda: | ||
| Average total assets | $66,492,200 | 5,000 |
| Average earning assets | $58,692,800 | 5,053 |
| Average equity | $8,901,600 | 4,779 |
| Average total loans | $44,580,000 | 4,728 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4509% | 1,696 |
| Cost of funding earning assets | 0.2778% | 4,315 |
| Net interest margin | 4.1731% | 1,194 |
| Noninterest income to average assets | 0.5802% | 2,766 |
| Noninterest expense to average assets | 2.6524% | 3,489 |
| Loan and lease loss provision to assets | 0.1820% | 1,216 |
| Net operating income to assets | 1.4192% | 1,030 |
| Return on assets (ROA) | 1.4192% | 1,083 |
| Pretax return on assets | 1.4212% | 1,963 |
| Return on Equity (ROE) | 10.4957% | 1,870 |
| Retained earnings to average equity (ytd only) | -2.3623% | 5,619 |
| Net charge-offs to loans | -0.0270% | 5,117 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4252% | 4,323 |
| Assets per employee ($millions) | 4.4225% | 3,213 |
| Cash dividends to net income (ytd only)* | 122.5069% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 3,791 |
| Loan loss allowance to noncurrent loans | 88.6239% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 0.8216% | 2,493 |
| Noncurrent loans to loans | 1.2492% | 1,792 |
| Net loans and leases to total assets | 65.0391% | 3,265 |
| Net loans and leases to deposits | 77.5892% | 3,232 |
| Net loans and leases to core deposits | 77.8692% | 3,677 |
| Total domestic deposits to total assets | 83.8250% | 3,263 |
| Equity capital to assets | 13.3545% | 1,319 |
| Core capital (leverage) ratio | 9.4473% | 4,256 |
| Tier 1 risk-based capital ratio | 13.3430% | 3,957 |
| Total risk-based capital ratio | 14.4346% | 3,950 |
| Memoranda: | ||
| Average total assets | $65,951,250 | 5,052 |
| Average earning assets | $58,084,500 | 5,115 |
| Average equity | $8,917,750 | 4,819 |
| Average total loans | $44,443,250 | 4,774 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4358% | 1,722 |
| Cost of funding earning assets | 0.2842% | 4,303 |
| Net interest margin | 4.1516% | 1,219 |
| Noninterest income to average assets | 0.5712% | 2,789 |
| Noninterest expense to average assets | 2.6283% | 3,622 |
| Loan and lease loss provision to assets | 0.1367% | 1,657 |
| Net operating income to assets | 1.4433% | 983 |
| Return on assets (ROA) | 1.4433% | 1,033 |
| Pretax return on assets | 1.4463% | 1,851 |
| Return on Equity (ROE) | 10.6296% | 1,793 |
| Retained earnings to average equity (ytd only) | -0.8951% | 5,427 |
| Net charge-offs to loans | -0.0403% | 5,269 |
| Credit loss provision to net charge-offs | -500.0000% | 4,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5440% | 4,416 |
| Assets per employee ($millions) | 4.0141% | 3,873 |
| Cash dividends to net income (ytd only)* | 108.4211% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 4,610 |
| Loan loss allowance to noncurrent loans | 77.5221% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 0.8797% | 2,395 |
| Noncurrent loans to loans | 1.2657% | 1,805 |
| Net loans and leases to total assets | 68.8252% | 2,660 |
| Net loans and leases to deposits | 82.8532% | 2,607 |
| Net loans and leases to core deposits | 83.1649% | 3,150 |
| Total domestic deposits to total assets | 83.0689% | 3,620 |
| Equity capital to assets | 14.0163% | 1,020 |
| Core capital (leverage) ratio | 9.8159% | 3,795 |
| Tier 1 risk-based capital ratio | 13.3795% | 3,973 |
| Total risk-based capital ratio | 14.3537% | 4,059 |
| Memoranda: | ||
| Average total assets | $65,822,670 | 5,106 |
| Average earning assets | $57,712,670 | 5,181 |
| Average equity | $8,937,330 | 4,855 |
| Average total loans | $44,715,000 | 4,809 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3034% | 2,124 |
| Cost of funding earning assets | 0.2814% | 4,370 |
| Net interest margin | 4.0220% | 1,550 |
| Noninterest income to average assets | 0.5464% | 2,828 |
| Noninterest expense to average assets | 2.6358% | 3,633 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4230% | 999 |
| Return on assets (ROA) | 1.4230% | 1,046 |
| Pretax return on assets | 1.4290% | 1,805 |
| Return on Equity (ROE) | 10.6457% | 1,729 |
| Retained earnings to average equity (ytd only) | -7.9955% | 5,748 |
| Net charge-offs to loans | -0.0804% | 5,552 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9586% | 4,132 |
| Assets per employee ($millions) | 3.8066% | 4,286 |
| Cash dividends to net income (ytd only)* | 175.1055% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8899% | 5,094 |
| Loan loss allowance to noncurrent loans | 61.1198% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 0.9936% | 2,224 |
| Noncurrent loans to loans | 1.4560% | 1,624 |
| Net loans and leases to total assets | 67.6366% | 2,707 |
| Net loans and leases to deposits | 81.3565% | 2,622 |
| Net loans and leases to core deposits | 81.6601% | 3,159 |
| Total domestic deposits to total assets | 83.1360% | 3,848 |
| Equity capital to assets | 13.6482% | 1,116 |
| Core capital (leverage) ratio | 9.3716% | 4,395 |
| Tier 1 risk-based capital ratio | 13.0827% | 4,208 |
| Total risk-based capital ratio | 13.9585% | 4,365 |
| Memoranda: | ||
| Average total assets | $66,621,500 | 5,133 |
| Average earning assets | $58,279,000 | 5,208 |
| Average equity | $8,905,000 | 4,888 |
| Average total loans | $44,752,000 | 4,841 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6575% | 1,202 |
| Cost of funding earning assets | 0.3578% | 3,616 |
| Net interest margin | 4.2997% | 964 |
| Noninterest income to average assets | 0.6055% | 2,689 |
| Noninterest expense to average assets | 2.6295% | 3,822 |
| Loan and lease loss provision to assets | 0.0894% | 2,510 |
| Net operating income to assets | 1.6953% | 581 |
| Return on assets (ROA) | 1.7011% | 593 |
| Pretax return on assets | 1.7040% | 987 |
| Return on Equity (ROE) | 13.3832% | 976 |
| Retained earnings to average equity (ytd only) | 3.1190% | 3,839 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9752% | 5,028 |
| Assets per employee ($millions) | 4.2832% | 3,424 |
| Cash dividends to net income (ytd only)* | 76.6949% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8469% | 5,275 |
| Loan loss allowance to noncurrent loans | 48.2412% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 1.1615% | 1,868 |
| Noncurrent loans to loans | 1.7555% | 1,275 |
| Net loans and leases to total assets | 65.6024% | 3,043 |
| Net loans and leases to deposits | 78.2164% | 3,034 |
| Net loans and leases to core deposits | 79.5745% | 3,390 |
| Total domestic deposits to total assets | 83.8730% | 3,536 |
| Equity capital to assets | 13.1006% | 1,299 |
| Core capital (leverage) ratio | 9.2538% | 4,540 |
| Tier 1 risk-based capital ratio | 13.6664% | 3,906 |
| Total risk-based capital ratio | 14.5263% | 4,066 |
| Memoranda: | ||
| Average total assets | $69,367,400 | 5,105 |
| Average earning assets | $61,492,600 | 5,145 |
| Average equity | $8,817,000 | 4,890 |
| Average total loans | $46,523,000 | 4,773 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7651% | 990 |
| Cost of funding earning assets | 0.3601% | 3,650 |
| Net interest margin | 4.4050% | 786 |
| Noninterest income to average assets | 0.6055% | 2,706 |
| Noninterest expense to average assets | 2.6886% | 3,600 |
| Loan and lease loss provision to assets | 0.1188% | 1,914 |
| Net operating income to assets | 1.7093% | 610 |
| Return on assets (ROA) | 1.7170% | 629 |
| Pretax return on assets | 1.7209% | 1,051 |
| Return on Equity (ROE) | 13.6114% | 980 |
| Retained earnings to average equity (ytd only) | 1.3824% | 5,171 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0081% | 5,006 |
| Assets per employee ($millions) | 4.2508% | 3,422 |
| Cash dividends to net income (ytd only)* | 89.8438% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8386% | 5,413 |
| Loan loss allowance to noncurrent loans | 336.8421% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.1676% | 5,086 |
| Noncurrent loans to loans | 0.2490% | 4,681 |
| Net loans and leases to total assets | 66.7632% | 2,886 |
| Net loans and leases to deposits | 81.8941% | 2,658 |
| Net loans and leases to core deposits | 83.3691% | 3,115 |
| Total domestic deposits to total assets | 81.5238% | 4,315 |
| Equity capital to assets | 12.9477% | 1,474 |
| Core capital (leverage) ratio | 9.1593% | 4,792 |
| Tier 1 risk-based capital ratio | 13.2909% | 4,261 |
| Total risk-based capital ratio | 14.1538% | 4,406 |
| Memoranda: | ||
| Average total assets | $69,576,500 | 5,166 |
| Average earning assets | $61,837,250 | 5,196 |
| Average equity | $8,776,750 | 4,960 |
| Average total loans | $46,818,250 | 4,814 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7167% | 1,036 |
| Cost of funding earning assets | 0.3623% | 3,668 |
| Net interest margin | 4.3543% | 830 |
| Noninterest income to average assets | 0.6020% | 2,728 |
| Noninterest expense to average assets | 2.4394% | 4,433 |
| Loan and lease loss provision to assets | 0.1769% | 1,168 |
| Net operating income to assets | 1.8574% | 460 |
| Return on assets (ROA) | 1.8688% | 473 |
| Pretax return on assets | 1.8717% | 783 |
| Return on Equity (ROE) | 14.9424% | 742 |
| Retained earnings to average equity (ytd only) | 6.7298% | 1,827 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1746% | 5,569 |
| Assets per employee ($millions) | 4.2078% | 3,453 |
| Cash dividends to net income (ytd only)* | 54.9618% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8215% | 5,544 |
| Loan loss allowance to noncurrent loans | 325.4237% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 5,169 |
| Noncurrent loans to loans | 0.2524% | 4,767 |
| Net loans and leases to total assets | 68.8600% | 2,507 |
| Net loans and leases to deposits | 85.4751% | 2,111 |
| Net loans and leases to core deposits | 87.0365% | 2,652 |
| Total domestic deposits to total assets | 80.5615% | 4,728 |
| Equity capital to assets | 13.3175% | 1,253 |
| Core capital (leverage) ratio | 9.1937% | 4,702 |
| Tier 1 risk-based capital ratio | 13.7125% | 4,089 |
| Total risk-based capital ratio | 14.5738% | 4,260 |
| Memoranda: | ||
| Average total assets | $70,098,000 | 5,212 |
| Average earning assets | $62,374,670 | 5,243 |
| Average equity | $8,767,000 | 4,999 |
| Average total loans | $47,160,670 | 4,844 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5543% | 1,324 |
| Cost of funding earning assets | 0.3523% | 3,832 |
| Net interest margin | 4.2021% | 1,052 |
| Noninterest income to average assets | 0.5540% | 2,929 |
| Noninterest expense to average assets | 2.3725% | 4,676 |
| Loan and lease loss provision to assets | 0.2518% | 652 |
| Net operating income to assets | 1.6619% | 645 |
| Return on assets (ROA) | 1.6619% | 675 |
| Pretax return on assets | 1.6675% | 1,122 |
| Return on Equity (ROE) | 13.7064% | 936 |
| Retained earnings to average equity (ytd only) | -2.9074% | 5,785 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8892% | 5,604 |
| Assets per employee ($millions) | 4.3976% | 3,206 |
| Cash dividends to net income (ytd only)* | 121.2121% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7676% | 5,765 |
| Loan loss allowance to noncurrent loans | 303.3058% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 5,266 |
| Noncurrent loans to loans | 0.2531% | 4,883 |
| Net loans and leases to total assets | 67.4322% | 2,542 |
| Net loans and leases to deposits | 82.4589% | 2,279 |
| Net loans and leases to core deposits | 86.1589% | 2,531 |
| Total domestic deposits to total assets | 81.7768% | 4,574 |
| Equity capital to assets | 12.3094% | 1,817 |
| Core capital (leverage) ratio | 8.6396% | 5,385 |
| Tier 1 risk-based capital ratio | 12.5716% | 4,856 |
| Total risk-based capital ratio | 13.3737% | 5,070 |
| Memoranda: | ||
| Average total assets | $71,484,500 | 5,221 |
| Average earning assets | $63,588,000 | 5,261 |
| Average equity | $8,667,500 | 5,066 |
| Average total loans | $47,369,000 | 4,873 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5407% | 1,725 |
| Cost of funding earning assets | 0.3662% | 4,074 |
| Net interest margin | 4.1745% | 1,369 |
| Noninterest income to average assets | 0.6685% | 2,460 |
| Noninterest expense to average assets | 2.6398% | 4,091 |
| Loan and lease loss provision to assets | 0.2597% | 861 |
| Net operating income to assets | 1.4594% | 962 |
| Return on assets (ROA) | 1.4594% | 995 |
| Pretax return on assets | 1.4609% | 1,688 |
| Return on Equity (ROE) | 11.4870% | 1,565 |
| Retained earnings to average equity (ytd only) | 1.3625% | 5,165 |
| Net charge-offs to loans | 0.0498% | 3,831 |
| Credit loss provision to net charge-offs | 828.5714% | 329 |
| Earnings coverage of net charge-offs (x) | 54.9048% | 854 |
| Efficiency ratio | 59.8220% | 5,246 |
| Assets per employee ($millions) | 4.5380% | 2,978 |
| Cash dividends to net income (ytd only)* | 88.1391% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6862% | 6,015 |
| Loan loss allowance to noncurrent loans | 226.7606% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 5,245 |
| Noncurrent loans to loans | 0.3026% | 4,763 |
| Net loans and leases to total assets | 64.1844% | 3,198 |
| Net loans and leases to deposits | 77.4625% | 3,030 |
| Net loans and leases to core deposits | 78.7306% | 3,439 |
| Total domestic deposits to total assets | 82.8586% | 4,125 |
| Equity capital to assets | 11.9463% | 2,051 |
| Core capital (leverage) ratio | 8.6339% | 5,401 |
| Tier 1 risk-based capital ratio | 12.4448% | 5,064 |
| Total risk-based capital ratio | 13.1599% | 5,332 |
| Memoranda: | ||
| Average total assets | $67,012,600 | 5,371 |
| Average earning assets | $59,264,400 | 5,412 |
| Average equity | $8,514,000 | 5,081 |
| Average total loans | $42,161,600 | 5,098 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5540% | 1,691 |
| Cost of funding earning assets | 0.3730% | 4,094 |
| Net interest margin | 4.1810% | 1,348 |
| Noninterest income to average assets | 0.6584% | 2,530 |
| Noninterest expense to average assets | 2.6396% | 4,053 |
| Loan and lease loss provision to assets | 0.1524% | 1,628 |
| Net operating income to assets | 1.5545% | 832 |
| Return on assets (ROA) | 1.5545% | 867 |
| Pretax return on assets | 1.5565% | 1,462 |
| Return on Equity (ROE) | 12.0365% | 1,468 |
| Retained earnings to average equity (ytd only) | 0.5979% | 5,628 |
| Net charge-offs to loans | 0.0683% | 3,221 |
| Credit loss provision to net charge-offs | 357.1429% | 790 |
| Earnings coverage of net charge-offs (x) | 40.0468% | 1,129 |
| Efficiency ratio | 60.0935% | 5,166 |
| Assets per employee ($millions) | 4.9051% | 2,373 |
| Cash dividends to net income (ytd only)* | 95.0332% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5065% | 6,331 |
| Loan loss allowance to noncurrent loans | 143.8710% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 5,313 |
| Noncurrent loans to loans | 0.3520% | 4,852 |
| Net loans and leases to total assets | 63.7887% | 3,210 |
| Net loans and leases to deposits | 76.4312% | 3,134 |
| Net loans and leases to core deposits | 77.7456% | 3,561 |
| Total domestic deposits to total assets | 83.4591% | 3,969 |
| Equity capital to assets | 12.5131% | 1,692 |
| Core capital (leverage) ratio | 8.5698% | 5,581 |
| Tier 1 risk-based capital ratio | 12.7459% | 5,013 |
| Total risk-based capital ratio | 13.2614% | 5,394 |
| Memoranda: | ||
| Average total assets | $65,613,750 | 5,464 |
| Average earning assets | $57,911,250 | 5,513 |
| Average equity | $8,474,000 | 5,137 |
| Average total loans | $40,970,750 | 5,195 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6061% | 1,515 |
| Cost of funding earning assets | 0.3844% | 4,054 |
| Net interest margin | 4.2217% | 1,194 |
| Noninterest income to average assets | 0.6874% | 2,343 |
| Noninterest expense to average assets | 2.7742% | 3,596 |
| Loan and lease loss provision to assets | 0.2322% | 983 |
| Net operating income to assets | 1.3840% | 1,100 |
| Return on assets (ROA) | 1.3840% | 1,143 |
| Pretax return on assets | 1.3871% | 1,939 |
| Return on Equity (ROE) | 10.5995% | 1,894 |
| Retained earnings to average equity (ytd only) | -0.7114% | 5,811 |
| Net charge-offs to loans | 0.1151% | 2,510 |
| Credit loss provision to net charge-offs | 326.0870% | 801 |
| Earnings coverage of net charge-offs (x) | 22.7391% | 1,498 |
| Efficiency ratio | 62.7202% | 4,907 |
| Assets per employee ($millions) | 4.4154% | 3,063 |
| Cash dividends to net income (ytd only)* | 106.7114% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5549% | 6,360 |
| Loan loss allowance to noncurrent loans | 92.4686% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 0.3609% | 4,944 |
| Noncurrent loans to loans | 0.6001% | 4,228 |
| Net loans and leases to total assets | 59.8013% | 3,753 |
| Net loans and leases to deposits | 72.0573% | 3,558 |
| Net loans and leases to core deposits | 73.3354% | 3,912 |
| Total domestic deposits to total assets | 82.9913% | 4,309 |
| Equity capital to assets | 12.8444% | 1,460 |
| Core capital (leverage) ratio | 8.9491% | 5,095 |
| Tier 1 risk-based capital ratio | 13.7316% | 4,426 |
| Total risk-based capital ratio | 14.2900% | 4,813 |
| Memoranda: | ||
| Average total assets | $64,594,330 | 5,541 |
| Average earning assets | $56,707,330 | 5,593 |
| Average equity | $8,434,330 | 5,169 |
| Average total loans | $39,951,670 | 5,278 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6760% | 1,311 |
| Cost of funding earning assets | 0.3944% | 4,040 |
| Net interest margin | 4.2815% | 1,037 |
| Noninterest income to average assets | 0.7213% | 2,077 |
| Noninterest expense to average assets | 2.9541% | 3,036 |
| Loan and lease loss provision to assets | 0.2822% | 719 |
| Net operating income to assets | 1.2230% | 1,414 |
| Return on assets (ROA) | 1.2230% | 1,470 |
| Pretax return on assets | 1.2293% | 2,354 |
| Return on Equity (ROE) | 9.2879% | 2,334 |
| Retained earnings to average equity (ytd only) | -5.4775% | 6,153 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3090% | 4,641 |
| Assets per employee ($millions) | 4.0423% | 3,842 |
| Cash dividends to net income (ytd only)* | 158.9744% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5308% | 6,475 |
| Loan loss allowance to noncurrent loans | 122.2857% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.4283% | 4,854 |
| Noncurrent loans to loans | 0.4340% | 4,845 |
| Net loans and leases to total assets | 62.0091% | 3,240 |
| Net loans and leases to deposits | 74.9360% | 2,952 |
| Net loans and leases to core deposits | 77.0346% | 3,301 |
| Total domestic deposits to total assets | 82.7494% | 4,690 |
| Equity capital to assets | 12.9322% | 1,335 |
| Core capital (leverage) ratio | 8.7878% | 5,279 |
| Tier 1 risk-based capital ratio | 13.3408% | 4,804 |
| Total risk-based capital ratio | 13.8756% | 5,173 |
| Memoranda: | ||
| Average total assets | $63,776,000 | 5,625 |
| Average earning assets | $55,774,500 | 5,675 |
| Average equity | $8,398,000 | 5,201 |
| Average total loans | $40,013,500 | 5,322 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1554% | 699 |
| Cost of funding earning assets | 0.4190% | 4,441 |
| Net interest margin | 4.7364% | 485 |
| Noninterest income to average assets | 0.7281% | 2,393 |
| Noninterest expense to average assets | 2.8270% | 3,631 |
| Loan and lease loss provision to assets | 0.4243% | 698 |
| Net operating income to assets | 1.6731% | 612 |
| Return on assets (ROA) | 1.6731% | 625 |
| Pretax return on assets | 1.6731% | 1,008 |
| Return on Equity (ROE) | 12.8079% | 1,205 |
| Retained earnings to average equity (ytd only) | 5.1921% | 2,480 |
| Net charge-offs to loans | 0.2450% | 2,511 |
| Credit loss provision to net charge-offs | 277.8947% | 817 |
| Earnings coverage of net charge-offs (x) | 13.7368% | 1,994 |
| Efficiency ratio | 56.2990% | 5,916 |
| Assets per employee ($millions) | 3.9298% | 3,999 |
| Cash dividends to net income (ytd only)* | 59.4621% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4256% | 6,623 |
| Loan loss allowance to noncurrent loans | 130.0000% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.8811% | 3,687 |
| Noncurrent loans to loans | 0.3274% | 5,200 |
| Net loans and leases to total assets | 62.8841% | 3,219 |
| Net loans and leases to deposits | 76.5562% | 2,907 |
| Net loans and leases to core deposits | 79.5745% | 3,180 |
| Total domestic deposits to total assets | 82.1410% | 4,825 |
| Equity capital to assets | 13.4105% | 1,104 |
| Core capital (leverage) ratio | 8.9934% | 5,018 |
| Tier 1 risk-based capital ratio | 13.5094% | 4,645 |
| Total risk-based capital ratio | 13.9287% | 5,137 |
| Memoranda: | ||
| Average total assets | $62,220,400 | 5,698 |
| Average earning assets | $55,126,200 | 5,728 |
| Average equity | $8,127,800 | 5,302 |
| Average total loans | $38,780,600 | 5,401 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6925% | 1,615 |
| Cost of funding earning assets | 0.4231% | 4,580 |
| Net interest margin | 4.2694% | 1,165 |
| Noninterest income to average assets | 0.7219% | 2,501 |
| Noninterest expense to average assets | 2.9027% | 3,299 |
| Loan and lease loss provision to assets | 0.4641% | 602 |
| Net operating income to assets | 1.1495% | 1,817 |
| Return on assets (ROA) | 1.1495% | 1,892 |
| Pretax return on assets | 1.1495% | 2,896 |
| Return on Equity (ROE) | 8.8592% | 2,706 |
| Retained earnings to average equity (ytd only) | 1.3413% | 5,447 |
| Net charge-offs to loans | 0.2525% | 2,300 |
| Credit loss provision to net charge-offs | 295.8904% | 863 |
| Earnings coverage of net charge-offs (x) | 10.2878% | 2,377 |
| Efficiency ratio | 61.1323% | 5,259 |
| Assets per employee ($millions) | 4.4850% | 2,907 |
| Cash dividends to net income (ytd only)* | 84.8595% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3796% | 6,733 |
| Loan loss allowance to noncurrent loans | 62.7193% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 1.0400% | 3,572 |
| Noncurrent loans to loans | 0.6053% | 4,683 |
| Net loans and leases to total assets | 59.7643% | 3,734 |
| Net loans and leases to deposits | 72.4706% | 3,458 |
| Net loans and leases to core deposits | 75.3156% | 3,697 |
| Total domestic deposits to total assets | 82.4670% | 4,778 |
| Equity capital to assets | 12.9208% | 1,364 |
| Core capital (leverage) ratio | 10.6061% | 2,886 |
| Tier 1 risk-based capital ratio | 17.0598% | 2,682 |
| Total risk-based capital ratio | 17.4393% | 3,046 |
| Memoranda: | ||
| Average total assets | $62,056,500 | 5,766 |
| Average earning assets | $55,151,000 | 5,782 |
| Average equity | $8,051,750 | 5,378 |
| Average total loans | $38,548,750 | 5,458 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6552% | 1,687 |
| Cost of funding earning assets | 0.4262% | 4,693 |
| Net interest margin | 4.2290% | 1,200 |
| Noninterest income to average assets | 0.7183% | 2,557 |
| Noninterest expense to average assets | 2.9606% | 3,122 |
| Loan and lease loss provision to assets | 0.4659% | 614 |
| Net operating income to assets | 1.0483% | 2,118 |
| Return on assets (ROA) | 1.0483% | 2,243 |
| Pretax return on assets | 1.0483% | 3,300 |
| Return on Equity (ROE) | 8.0684% | 3,058 |
| Retained earnings to average equity (ytd only) | -0.6475% | 5,987 |
| Net charge-offs to loans | 0.0103% | 4,673 |
| Credit loss provision to net charge-offs | 7,200.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 234.0000% | 222 |
| Efficiency ratio | 62.9790% | 5,022 |
| Assets per employee ($millions) | 4.3989% | 2,989 |
| Cash dividends to net income (ytd only)* | 108.0247% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3778% | 6,785 |
| Loan loss allowance to noncurrent loans | 55.6863% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 0.5813% | 4,797 |
| Noncurrent loans to loans | 0.6785% | 4,581 |
| Net loans and leases to total assets | 60.7950% | 3,521 |
| Net loans and leases to deposits | 73.7618% | 3,192 |
| Net loans and leases to core deposits | 77.1084% | 3,414 |
| Total domestic deposits to total assets | 82.4208% | 4,905 |
| Equity capital to assets | 12.8718% | 1,398 |
| Core capital (leverage) ratio | 10.7985% | 2,566 |
| Tier 1 risk-based capital ratio | 17.0010% | 2,715 |
| Total risk-based capital ratio | 17.3829% | 3,067 |
| Memoranda: | ||
| Average total assets | $61,812,000 | 5,812 |
| Average earning assets | $54,906,000 | 5,829 |
| Average equity | $8,031,330 | 5,421 |
| Average total loans | $38,842,000 | 5,473 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6918% | 1,560 |
| Cost of funding earning assets | 0.4305% | 4,801 |
| Net interest margin | 4.2613% | 1,047 |
| Noninterest income to average assets | 0.6330% | 2,960 |
| Noninterest expense to average assets | 2.9842% | 3,036 |
| Loan and lease loss provision to assets | 0.4651% | 596 |
| Net operating income to assets | 0.9560% | 2,418 |
| Return on assets (ROA) | 0.9560% | 2,556 |
| Pretax return on assets | 0.9560% | 3,543 |
| Return on Equity (ROE) | 7.3236% | 3,311 |
| Retained earnings to average equity (ytd only) | -2.5731% | 6,148 |
| Net charge-offs to loans | 0.0608% | 3,208 |
| Credit loss provision to net charge-offs | 1,200.0000% | 265 |
| Earnings coverage of net charge-offs (x) | 36.6667% | 846 |
| Efficiency ratio | 64.5161% | 4,919 |
| Assets per employee ($millions) | 4.0807% | 3,778 |
| Cash dividends to net income (ytd only)* | 135.1351% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1656% | 6,922 |
| Loan loss allowance to noncurrent loans | 14.3478% | 6,449 |
| Noncurrent assets plus other real estate owned to assets | 1.0145% | 3,898 |
| Noncurrent loans to loans | 1.1539% | 3,851 |
| Net loans and leases to total assets | 65.0188% | 2,537 |
| Net loans and leases to deposits | 79.2631% | 2,177 |
| Net loans and leases to core deposits | 83.6884% | 2,359 |
| Total domestic deposits to total assets | 82.0291% | 5,180 |
| Equity capital to assets | 13.1580% | 1,355 |
| Core capital (leverage) ratio | 10.7681% | 2,483 |
| Tier 1 risk-based capital ratio | 16.0069% | 3,267 |
| Total risk-based capital ratio | 16.1747% | 3,857 |
| Memoranda: | ||
| Average total assets | $61,926,000 | 5,865 |
| Average earning assets | $54,819,500 | 5,880 |
| Average equity | $8,083,500 | 5,465 |
| Average total loans | $39,472,000 | 5,489 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 7,081 |
| Cost of funding earning assets | 0.0000% | 7,072 |
| Net interest margin | 0.0000% | 7,079 |
| Noninterest income to average assets | 0.0000% | 6,818 |
| Noninterest expense to average assets | 0.0000% | 7,081 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.0000% | 6,168 |
| Return on assets (ROA) | 0.0000% | 6,303 |
| Pretax return on assets | 0.0000% | 6,282 |
| Return on Equity (ROE) | 0.0000% | 6,304 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,830 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 3.9151% | 4,117 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,009 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 1.2420% | 3,573 |
| Noncurrent loans to loans | 1.3025% | 3,660 |
| Net loans and leases to total assets | 62.3863% | 3,193 |
| Net loans and leases to deposits | 75.7585% | 2,840 |
| Net loans and leases to core deposits | 80.7038% | 2,916 |
| Total domestic deposits to total assets | 82.3489% | 4,980 |
| Equity capital to assets | 12.9514% | 1,474 |
| Core capital (leverage) ratio | 9.2091% | 4,567 |
| Tier 1 risk-based capital ratio | 14.2706% | 4,186 |
| Total risk-based capital ratio | 14.2706% | 5,033 |
| Memoranda: | ||
| Average total assets | $61,969,200 | 5,874 |
| Average earning assets | $55,962,800 | 5,866 |
| Average equity | $6,212,400 | 5,966 |
| Average total loans | $39,566,800 | 5,525 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8404% | 2,238 |
| Cost of funding earning assets | 0.4938% | 5,478 |
| Net interest margin | 4.3467% | 1,354 |
| Noninterest income to average assets | 1.0334% | 1,415 |
| Noninterest expense to average assets | 2.9427% | 3,435 |
| Loan and lease loss provision to assets | 0.3236% | 2,029 |
| Net operating income to assets | 1.7151% | 665 |
| Return on assets (ROA) | 1.7151% | 731 |
| Pretax return on assets | 1.7173% | 1,221 |
| Return on Equity (ROE) | 18.4752% | 446 |
| Retained earnings to average equity (ytd only) | 7.2972% | 1,946 |
| Net charge-offs to loans | 0.0638% | 4,784 |
| Credit loss provision to net charge-offs | 789.4737% | 355 |
| Earnings coverage of net charge-offs (x) | 49.7947% | 755 |
| Efficiency ratio | 59.0476% | 5,652 |
| Assets per employee ($millions) | 3.7852% | 4,340 |
| Cash dividends to net income (ytd only)* | 60.5036% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7642% | 2,920 |
| Loan loss allowance to noncurrent loans | 121.2375% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 1.1591% | 3,968 |
| Noncurrent loans to loans | 1.4552% | 3,622 |
| Net loans and leases to total assets | 66.6579% | 2,531 |
| Net loans and leases to deposits | 79.5296% | 2,471 |
| Net loans and leases to core deposits | 83.9223% | 2,707 |
| Total domestic deposits to total assets | 83.8152% | 4,314 |
| Equity capital to assets | 9.8443% | 4,720 |
| Core capital (leverage) ratio | 9.5030% | 4,264 |
| Tier 1 risk-based capital ratio | 14.4751% | 4,201 |
| Total risk-based capital ratio | 15.7331% | 4,166 |
| Memoranda: | ||
| Average total assets | $61,801,000 | 5,947 |
| Average earning assets | $56,164,250 | 5,927 |
| Average equity | $5,737,250 | 6,162 |
| Average total loans | $39,688,500 | 5,590 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8184% | 2,437 |
| Cost of funding earning assets | 0.5124% | 5,534 |
| Net interest margin | 4.3059% | 1,464 |
| Noninterest income to average assets | 0.7394% | 2,475 |
| Noninterest expense to average assets | 2.9350% | 3,494 |
| Loan and lease loss provision to assets | 0.3761% | 1,741 |
| Net operating income to assets | 1.3148% | 1,404 |
| Return on assets (ROA) | 1.3148% | 1,553 |
| Pretax return on assets | 1.3180% | 2,492 |
| Return on Equity (ROE) | 14.4463% | 1,021 |
| Retained earnings to average equity (ytd only) | 3.2142% | 4,474 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4028% | 5,007 |
| Assets per employee ($millions) | 3.8008% | 4,313 |
| Cash dividends to net income (ytd only)* | 77.7506% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8217% | 2,779 |
| Loan loss allowance to noncurrent loans | 117.9104% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 1.1626% | 4,069 |
| Noncurrent loans to loans | 1.5450% | 3,591 |
| Net loans and leases to total assets | 63.0096% | 3,234 |
| Net loans and leases to deposits | 75.6974% | 3,031 |
| Net loans and leases to core deposits | 79.5673% | 3,275 |
| Total domestic deposits to total assets | 83.2388% | 4,658 |
| Equity capital to assets | 9.4190% | 5,167 |
| Core capital (leverage) ratio | 9.2867% | 4,468 |
| Tier 1 risk-based capital ratio | 14.3250% | 4,228 |
| Total risk-based capital ratio | 15.5813% | 4,184 |
| Memoranda: | ||
| Average total assets | $62,213,670 | 5,971 |
| Average earning assets | $56,201,330 | 5,962 |
| Average equity | $5,662,330 | 6,201 |
| Average total loans | $39,219,670 | 5,638 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8438% | 2,467 |
| Cost of funding earning assets | 0.5210% | 5,671 |
| Net interest margin | 4.3228% | 1,398 |
| Noninterest income to average assets | 0.7248% | 2,532 |
| Noninterest expense to average assets | 2.9119% | 3,578 |
| Loan and lease loss provision to assets | 0.2352% | 2,587 |
| Net operating income to assets | 1.4750% | 1,071 |
| Return on assets (ROA) | 1.4750% | 1,197 |
| Pretax return on assets | 1.4814% | 1,921 |
| Return on Equity (ROE) | 16.4846% | 742 |
| Retained earnings to average equity (ytd only) | 5.8264% | 3,061 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9121% | 5,118 |
| Assets per employee ($millions) | 3.8156% | 4,390 |
| Cash dividends to net income (ytd only)* | 64.6552% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 3,712 |
| Loan loss allowance to noncurrent loans | 108.4192% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 1.1286% | 4,248 |
| Noncurrent loans to loans | 1.4769% | 3,904 |
| Net loans and leases to total assets | 63.5168% | 2,947 |
| Net loans and leases to deposits | 76.2007% | 2,769 |
| Net loans and leases to core deposits | 80.0913% | 3,058 |
| Total domestic deposits to total assets | 83.3546% | 4,785 |
| Equity capital to assets | 9.2826% | 5,114 |
| Core capital (leverage) ratio | 8.9728% | 4,880 |
| Tier 1 risk-based capital ratio | 14.2113% | 4,304 |
| Total risk-based capital ratio | 15.4648% | 4,280 |
| Memoranda: | ||
| Average total assets | $62,914,000 | 5,985 |
| Average earning assets | $56,815,000 | 5,981 |
| Average equity | $5,629,500 | 6,242 |
| Average total loans | $39,315,000 | 5,667 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9835% | 2,952 |
| Cost of funding earning assets | 0.6751% | 5,685 |
| Net interest margin | 4.3084% | 1,675 |
| Noninterest income to average assets | 0.8312% | 1,923 |
| Noninterest expense to average assets | 3.0483% | 3,405 |
| Loan and lease loss provision to assets | 0.2021% | 4,161 |
| Net operating income to assets | 1.4700% | 885 |
| Return on assets (ROA) | 1.4700% | 962 |
| Pretax return on assets | 1.4716% | 1,558 |
| Return on Equity (ROE) | 16.9964% | 472 |
| Retained earnings to average equity (ytd only) | 6.2264% | 1,892 |
| Net charge-offs to loans | 0.3713% | 3,550 |
| Credit loss provision to net charge-offs | 84.4595% | 4,261 |
| Earnings coverage of net charge-offs (x) | 6.9932% | 2,416 |
| Efficiency ratio | 64.5548% | 5,029 |
| Assets per employee ($millions) | 4.0486% | 3,751 |
| Cash dividends to net income (ytd only)* | 63.3663% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5145% | 3,958 |
| Loan loss allowance to noncurrent loans | 93.3962% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 1.1516% | 4,313 |
| Noncurrent loans to loans | 1.6215% | 3,726 |
| Net loans and leases to total assets | 59.6314% | 4,052 |
| Net loans and leases to deposits | 69.8126% | 4,135 |
| Net loans and leases to core deposits | 75.0117% | 4,101 |
| Total domestic deposits to total assets | 85.4163% | 3,636 |
| Equity capital to assets | 8.6326% | 5,977 |
| Core capital (leverage) ratio | 8.7407% | 5,191 |
| Tier 1 risk-based capital ratio | 14.1550% | 4,213 |
| Total risk-based capital ratio | 15.4093% | 4,162 |
| Memoranda: | ||
| Average total assets | $61,837,400 | 5,984 |
| Average earning assets | $55,844,000 | 5,992 |
| Average equity | $5,348,200 | 6,338 |
| Average total loans | $39,861,600 | 5,700 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0944% | 2,630 |
| Cost of funding earning assets | 0.7112% | 5,691 |
| Net interest margin | 4.3832% | 1,451 |
| Noninterest income to average assets | 0.8859% | 1,699 |
| Noninterest expense to average assets | 3.1051% | 3,139 |
| Loan and lease loss provision to assets | 0.1418% | 4,665 |
| Net operating income to assets | 1.5907% | 786 |
| Return on assets (ROA) | 1.5907% | 858 |
| Pretax return on assets | 1.5929% | 1,408 |
| Return on Equity (ROE) | 18.3835% | 424 |
| Retained earnings to average equity (ytd only) | 5.7495% | 2,708 |
| Net charge-offs to loans | 0.0999% | 4,987 |
| Credit loss provision to net charge-offs | 216.6667% | 1,320 |
| Earnings coverage of net charge-offs (x) | 26.4993% | 1,016 |
| Efficiency ratio | 64.1569% | 5,036 |
| Assets per employee ($millions) | 4.0089% | 3,823 |
| Cash dividends to net income (ytd only)* | 68.7236% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6809% | 3,338 |
| Loan loss allowance to noncurrent loans | 94.2197% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 2.2766% | 2,812 |
| Noncurrent loans to loans | 1.7841% | 3,660 |
| Net loans and leases to total assets | 63.4184% | 3,426 |
| Net loans and leases to deposits | 75.7824% | 3,361 |
| Net loans and leases to core deposits | 81.0869% | 3,472 |
| Total domestic deposits to total assets | 83.6848% | 4,383 |
| Equity capital to assets | 9.1030% | 5,637 |
| Core capital (leverage) ratio | 8.6637% | 5,468 |
| Tier 1 risk-based capital ratio | 13.8678% | 4,436 |
| Total risk-based capital ratio | 15.1235% | 4,396 |
| Memoranda: | ||
| Average total assets | $61,102,250 | 6,053 |
| Average earning assets | $55,118,250 | 6,064 |
| Average equity | $5,287,250 | 6,406 |
| Average total loans | $40,021,500 | 5,745 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1430% | 2,496 |
| Cost of funding earning assets | 0.7172% | 5,852 |
| Net interest margin | 4.4258% | 1,302 |
| Noninterest income to average assets | 0.9345% | 1,514 |
| Noninterest expense to average assets | 3.2202% | 2,834 |
| Loan and lease loss provision to assets | 0.1465% | 4,477 |
| Net operating income to assets | 1.5629% | 785 |
| Return on assets (ROA) | 1.5629% | 837 |
| Pretax return on assets | 1.5661% | 1,339 |
| Return on Equity (ROE) | 18.3732% | 432 |
| Retained earnings to average equity (ytd only) | 2.7943% | 4,503 |
| Net charge-offs to loans | 0.1484% | 4,300 |
| Credit loss provision to net charge-offs | 150.0000% | 2,038 |
| Earnings coverage of net charge-offs (x) | 17.5333% | 1,292 |
| Efficiency ratio | 65.2805% | 5,010 |
| Assets per employee ($millions) | 4.2186% | 3,318 |
| Cash dividends to net income (ytd only)* | 84.7917% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5600% | 3,863 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2208% | 4,455 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 67.5251% | 2,707 |
| Net loans and leases to deposits | 81.4779% | 2,523 |
| Net loans and leases to core deposits | 85.3891% | 3,013 |
| Total domestic deposits to total assets | 82.8753% | 4,817 |
| Equity capital to assets | 8.9636% | 5,635 |
| Core capital (leverage) ratio | 8.8466% | 4,969 |
| Tier 1 risk-based capital ratio | 12.9168% | 4,985 |
| Total risk-based capital ratio | 14.1715% | 4,958 |
| Memoranda: | ||
| Average total assets | $61,425,000 | 6,092 |
| Average earning assets | $55,492,670 | 6,101 |
| Average equity | $5,225,000 | 6,456 |
| Average total loans | $40,432,670 | 5,784 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0828% | 2,726 |
| Cost of funding earning assets | 0.7311% | 5,972 |
| Net interest margin | 4.3517% | 1,421 |
| Noninterest income to average assets | 0.9072% | 1,641 |
| Noninterest expense to average assets | 3.2009% | 2,893 |
| Loan and lease loss provision to assets | 0.2875% | 2,847 |
| Net operating income to assets | 1.3673% | 1,124 |
| Return on assets (ROA) | 1.3673% | 1,174 |
| Pretax return on assets | 1.3736% | 1,800 |
| Return on Equity (ROE) | 16.4917% | 626 |
| Retained earnings to average equity (ytd only) | 1.0789% | 5,396 |
| Net charge-offs to loans | 0.0990% | 3,957 |
| Credit loss provision to net charge-offs | 450.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 938 |
| Efficiency ratio | 65.8344% | 5,061 |
| Assets per employee ($millions) | 3.6671% | 4,617 |
| Cash dividends to net income (ytd only)* | 93.4579% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6335% | 3,590 |
| Loan loss allowance to noncurrent loans | 1,003.0769% | 381 |
| Noncurrent assets plus other real estate owned to assets | 1.4146% | 4,156 |
| Noncurrent loans to loans | 0.1628% | 6,650 |
| Net loans and leases to total assets | 66.9183% | 2,781 |
| Net loans and leases to deposits | 80.5114% | 2,610 |
| Net loans and leases to core deposits | 86.1560% | 2,849 |
| Total domestic deposits to total assets | 83.1166% | 4,884 |
| Equity capital to assets | 8.8746% | 5,387 |
| Core capital (leverage) ratio | 8.0306% | 6,217 |
| Tier 1 risk-based capital ratio | 13.0123% | 4,815 |
| Total risk-based capital ratio | 14.2679% | 4,795 |
| Memoranda: | ||
| Average total assets | $62,607,000 | 6,107 |
| Average earning assets | $56,897,500 | 6,106 |
| Average equity | $5,190,500 | 6,487 |
| Average total loans | $40,392,500 | 5,832 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4006% | 2,669 |
| Cost of funding earning assets | 0.8297% | 6,445 |
| Net interest margin | 4.5709% | 1,078 |
| Noninterest income to average assets | 0.7074% | 2,801 |
| Noninterest expense to average assets | 3.0244% | 3,757 |
| Loan and lease loss provision to assets | 0.7057% | 2,324 |
| Net operating income to assets | 1.1022% | 1,699 |
| Return on assets (ROA) | 1.1022% | 1,772 |
| Pretax return on assets | 1.1056% | 2,557 |
| Return on Equity (ROE) | 12.8572% | 1,123 |
| Retained earnings to average equity (ytd only) | 2.9007% | 3,826 |
| Net charge-offs to loans | 1.0468% | 2,109 |
| Credit loss provision to net charge-offs | 96.3303% | 4,822 |
| Earnings coverage of net charge-offs (x) | 2.4725% | 3,884 |
| Efficiency ratio | 62.5434% | 5,618 |
| Assets per employee ($millions) | 4.1588% | 3,462 |
| Cash dividends to net income (ytd only)* | 77.4390% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5097% | 3,956 |
| Loan loss allowance to noncurrent loans | 269.4323% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 1.5389% | 4,002 |
| Noncurrent loans to loans | 0.5603% | 5,931 |
| Net loans and leases to total assets | 60.4935% | 4,586 |
| Net loans and leases to deposits | 71.6093% | 4,585 |
| Net loans and leases to core deposits | 77.8904% | 4,472 |
| Total domestic deposits to total assets | 84.4772% | 4,127 |
| Equity capital to assets | 7.7757% | 6,689 |
| Core capital (leverage) ratio | 8.0278% | 6,157 |
| Tier 1 risk-based capital ratio | 12.8192% | 4,761 |
| Total risk-based capital ratio | 14.0722% | 4,725 |
| Memoranda: | ||
| Average total assets | $59,515,400 | 6,221 |
| Average earning assets | $53,752,800 | 6,224 |
| Average equity | $5,102,200 | 6,637 |
| Average total loans | $41,652,600 | 5,853 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5107% | 2,392 |
| Cost of funding earning assets | 0.8610% | 6,542 |
| Net interest margin | 4.6497% | 942 |
| Noninterest income to average assets | 0.6971% | 2,831 |
| Noninterest expense to average assets | 3.0078% | 3,711 |
| Loan and lease loss provision to assets | 0.7618% | 2,009 |
| Net operating income to assets | 1.1242% | 1,812 |
| Return on assets (ROA) | 1.1242% | 1,923 |
| Pretax return on assets | 1.1288% | 2,738 |
| Return on Equity (ROE) | 12.7712% | 1,323 |
| Retained earnings to average equity (ytd only) | 1.2063% | 5,329 |
| Net charge-offs to loans | 0.6372% | 2,836 |
| Credit loss provision to net charge-offs | 165.0000% | 2,278 |
| Earnings coverage of net charge-offs (x) | 4.0950% | 3,194 |
| Efficiency ratio | 61.4043% | 5,721 |
| Assets per employee ($millions) | 3.8521% | 4,140 |
| Cash dividends to net income (ytd only)* | 90.5547% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8700% | 2,570 |
| Loan loss allowance to noncurrent loans | 125.0820% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 2.4108% | 2,965 |
| Noncurrent loans to loans | 1.4950% | 4,396 |
| Net loans and leases to total assets | 69.2932% | 2,901 |
| Net loans and leases to deposits | 83.2083% | 2,867 |
| Net loans and leases to core deposits | 92.8721% | 2,675 |
| Total domestic deposits to total assets | 83.2768% | 4,468 |
| Equity capital to assets | 8.9197% | 5,684 |
| Core capital (leverage) ratio | 8.3563% | 5,776 |
| Tier 1 risk-based capital ratio | 12.2066% | 5,261 |
| Total risk-based capital ratio | 13.4632% | 5,227 |
| Memoranda: | ||
| Average total assets | $57,759,000 | 6,360 |
| Average earning assets | $52,188,500 | 6,363 |
| Average equity | $5,084,250 | 6,725 |
| Average total loans | $41,848,250 | 5,920 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5549% | 2,315 |
| Cost of funding earning assets | 0.8735% | 6,675 |
| Net interest margin | 4.6815% | 839 |
| Noninterest income to average assets | 0.7099% | 2,650 |
| Noninterest expense to average assets | 3.0614% | 3,464 |
| Loan and lease loss provision to assets | 0.7273% | 2,003 |
| Net operating income to assets | 1.1463% | 1,705 |
| Return on assets (ROA) | 1.1463% | 1,771 |
| Pretax return on assets | 1.1532% | 2,577 |
| Return on Equity (ROE) | 13.0804% | 1,221 |
| Retained earnings to average equity (ytd only) | -1.8969% | 6,131 |
| Net charge-offs to loans | 0.9479% | 1,940 |
| Credit loss provision to net charge-offs | 105.0000% | 3,882 |
| Earnings coverage of net charge-offs (x) | 2.7150% | 3,641 |
| Efficiency ratio | 61.9481% | 5,698 |
| Assets per employee ($millions) | 3.7278% | 4,386 |
| Cash dividends to net income (ytd only)* | 114.5015% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5764% | 3,555 |
| Loan loss allowance to noncurrent loans | 87.9617% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 2.5384% | 2,848 |
| Noncurrent loans to loans | 1.7921% | 4,013 |
| Net loans and leases to total assets | 67.3082% | 3,547 |
| Net loans and leases to deposits | 80.0982% | 3,581 |
| Net loans and leases to core deposits | 88.3981% | 3,497 |
| Total domestic deposits to total assets | 84.0322% | 4,093 |
| Equity capital to assets | 8.4433% | 6,237 |
| Core capital (leverage) ratio | 8.6812% | 5,110 |
| Tier 1 risk-based capital ratio | 11.7815% | 5,513 |
| Total risk-based capital ratio | 13.0345% | 5,469 |
| Memoranda: | ||
| Average total assets | $57,751,330 | 6,397 |
| Average earning assets | $52,206,000 | 6,400 |
| Average equity | $5,061,000 | 6,760 |
| Average total loans | $42,197,000 | 5,945 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9121% | 1,180 |
| Cost of funding earning assets | 0.8958% | 6,783 |
| Net interest margin | 5.0164% | 405 |
| Noninterest income to average assets | 0.6478% | 2,946 |
| Noninterest expense to average assets | 3.1476% | 3,065 |
| Loan and lease loss provision to assets | 0.6338% | 2,001 |
| Net operating income to assets | 1.3943% | 1,087 |
| Return on assets (ROA) | 1.3943% | 1,162 |
| Pretax return on assets | 1.4013% | 1,775 |
| Return on Equity (ROE) | 15.6105% | 783 |
| Retained earnings to average equity (ytd only) | -3.0748% | 6,373 |
| Net charge-offs to loans | 1.8648% | 926 |
| Credit loss provision to net charge-offs | 45.0000% | 4,555 |
| Earnings coverage of net charge-offs (x) | 1.4450% | 3,876 |
| Efficiency ratio | 60.7337% | 6,047 |
| Assets per employee ($millions) | 3.4305% | 5,205 |
| Cash dividends to net income (ytd only)* | 119.6970% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 5,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6267% | 5,947 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 77.1079% | 1,310 |
| Net loans and leases to deposits | 93.3355% | 1,429 |
| Net loans and leases to core deposits | 102.8805% | 1,832 |
| Total domestic deposits to total assets | 82.6137% | 4,791 |
| Equity capital to assets | 9.1951% | 4,992 |
| Core capital (leverage) ratio | 8.6960% | 5,028 |
| Tier 1 risk-based capital ratio | 11.5578% | 5,618 |
| Total risk-based capital ratio | 12.7894% | 5,609 |
| Memoranda: | ||
| Average total assets | $56,804,500 | 6,510 |
| Average earning assets | $51,352,000 | 6,499 |
| Average equity | $5,073,500 | 6,825 |
| Average total loans | $42,901,000 | 5,987 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1538% | 1,364 |
| Cost of funding earning assets | 1.0409% | 7,119 |
| Net interest margin | 5.1129% | 352 |
| Noninterest income to average assets | 0.9589% | 1,709 |
| Noninterest expense to average assets | 3.4082% | 2,648 |
| Loan and lease loss provision to assets | 0.4290% | 4,254 |
| Net operating income to assets | 1.6733% | 469 |
| Return on assets (ROA) | 1.6733% | 497 |
| Pretax return on assets | 1.6887% | 804 |
| Return on Equity (ROE) | 19.7602% | 255 |
| Retained earnings to average equity (ytd only) | 3.7946% | 2,544 |
| Net charge-offs to loans | 0.3490% | 4,485 |
| Credit loss provision to net charge-offs | 160.8974% | 2,766 |
| Earnings coverage of net charge-offs (x) | 7.9423% | 2,033 |
| Efficiency ratio | 61.6765% | 6,207 |
| Assets per employee ($millions) | 3.4542% | 5,121 |
| Cash dividends to net income (ytd only)* | 80.7967% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4736% | 3,868 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1461% | 4,803 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 72.0747% | 2,740 |
| Net loans and leases to deposits | 86.1818% | 2,881 |
| Net loans and leases to core deposits | 99.3381% | 4,069 |
| Total domestic deposits to total assets | 83.6311% | 4,215 |
| Equity capital to assets | 8.6851% | 5,612 |
| Core capital (leverage) ratio | 8.7911% | 4,780 |
| Tier 1 risk-based capital ratio | 11.4028% | 5,504 |
| Total risk-based capital ratio | 12.6544% | 5,467 |
| Memoranda: | ||
| Average total assets | $58,505,600 | 6,406 |
| Average earning assets | $52,260,200 | 6,449 |
| Average equity | $4,954,400 | 6,956 |
| Average total loans | $44,697,400 | 5,893 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2395% | 1,271 |
| Cost of funding earning assets | 1.0707% | 7,240 |
| Net interest margin | 5.1688% | 315 |
| Noninterest income to average assets | 0.9740% | 1,693 |
| Noninterest expense to average assets | 3.2733% | 3,018 |
| Loan and lease loss provision to assets | 0.2760% | 4,770 |
| Net operating income to assets | 2.0073% | 291 |
| Return on assets (ROA) | 2.0073% | 312 |
| Pretax return on assets | 2.0278% | 516 |
| Return on Equity (ROE) | 23.8573% | 136 |
| Retained earnings to average equity (ytd only) | 5.2052% | 2,365 |
| Net charge-offs to loans | 0.0118% | 6,766 |
| Credit loss provision to net charge-offs | 3,025.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 252.6510% | 149 |
| Efficiency ratio | 58.6912% | 6,615 |
| Assets per employee ($millions) | 3.2108% | 5,625 |
| Cash dividends to net income (ytd only)* | 78.1821% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4591% | 3,649 |
| Loan loss allowance to noncurrent loans | 103.4755% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 1.7038% | 3,825 |
| Noncurrent loans to loans | 1.4101% | 4,555 |
| Net loans and leases to total assets | 81.0454% | 969 |
| Net loans and leases to deposits | 99.6643% | 1,134 |
| Net loans and leases to core deposits | 113.2743% | 2,898 |
| Total domestic deposits to total assets | 81.3184% | 4,955 |
| Equity capital to assets | 9.3362% | 4,974 |
| Core capital (leverage) ratio | 8.7017% | 5,123 |
| Tier 1 risk-based capital ratio | 11.0066% | 5,947 |
| Total risk-based capital ratio | 12.2582% | 5,912 |
| Memoranda: | ||
| Average total assets | $58,451,750 | 6,449 |
| Average earning assets | $52,054,250 | 6,497 |
| Average equity | $4,918,000 | 7,033 |
| Average total loans | $45,132,750 | 5,920 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0838% | 1,841 |
| Cost of funding earning assets | 1.0934% | 7,388 |
| Net interest margin | 4.9904% | 439 |
| Noninterest income to average assets | 0.9675% | 1,702 |
| Noninterest expense to average assets | 3.2306% | 3,233 |
| Loan and lease loss provision to assets | 0.2410% | 4,659 |
| Net operating income to assets | 1.8814% | 388 |
| Return on assets (ROA) | 1.8814% | 419 |
| Pretax return on assets | 1.9116% | 679 |
| Return on Equity (ROE) | 23.1339% | 190 |
| Retained earnings to average equity (ytd only) | -0.0823% | 5,239 |
| Net charge-offs to loans | 0.0133% | 6,367 |
| Credit loss provision to net charge-offs | 2,400.0000% | 220 |
| Earnings coverage of net charge-offs (x) | 214.3333% | 195 |
| Efficiency ratio | 60.0124% | 6,550 |
| Assets per employee ($millions) | 3.2754% | 5,381 |
| Cash dividends to net income (ytd only)* | 100.3559% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 4,195 |
| Loan loss allowance to noncurrent loans | 81.8059% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 1.9360% | 3,293 |
| Noncurrent loans to loans | 1.6054% | 4,089 |
| Net loans and leases to total assets | 81.9184% | 969 |
| Net loans and leases to deposits | 99.7616% | 1,310 |
| Net loans and leases to core deposits | 113.3580% | 2,984 |
| Total domestic deposits to total assets | 82.1142% | 4,640 |
| Equity capital to assets | 8.7570% | 5,671 |
| Core capital (leverage) ratio | 8.3428% | 5,725 |
| Tier 1 risk-based capital ratio | 10.3564% | 6,522 |
| Total risk-based capital ratio | 11.6082% | 6,461 |
| Memoranda: | ||
| Average total assets | $59,741,330 | 6,459 |
| Average earning assets | $52,862,000 | 6,514 |
| Average equity | $4,858,670 | 7,121 |
| Average total loans | $45,213,000 | 5,976 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8950% | 2,825 |
| Cost of funding earning assets | 1.1419% | 7,440 |
| Net interest margin | 4.7531% | 679 |
| Noninterest income to average assets | 0.9260% | 1,750 |
| Noninterest expense to average assets | 2.9722% | 3,884 |
| Loan and lease loss provision to assets | 0.2331% | 4,116 |
| Net operating income to assets | 1.8649% | 464 |
| Return on assets (ROA) | 1.8649% | 517 |
| Pretax return on assets | 1.8714% | 859 |
| Return on Equity (ROE) | 23.7526% | 227 |
| Retained earnings to average equity (ytd only) | -3.4639% | 6,358 |
| Net charge-offs to loans | 0.0268% | 5,155 |
| Credit loss provision to net charge-offs | 1,200.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 108.3333% | 405 |
| Efficiency ratio | 58.5459% | 6,617 |
| Assets per employee ($millions) | 3.5876% | 4,596 |
| Cash dividends to net income (ytd only)* | 114.5833% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 4,313 |
| Loan loss allowance to noncurrent loans | 114.4289% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 1.4547% | 3,752 |
| Noncurrent loans to loans | 1.1053% | 4,776 |
| Net loans and leases to total assets | 77.6541% | 1,902 |
| Net loans and leases to deposits | 90.0469% | 2,922 |
| Net loans and leases to core deposits | 99.8499% | 4,552 |
| Total domestic deposits to total assets | 86.2374% | 2,592 |
| Equity capital to assets | 8.4614% | 6,136 |
| Core capital (leverage) ratio | 8.0016% | 6,439 |
| Tier 1 risk-based capital ratio | 10.2177% | 6,695 |
| Total risk-based capital ratio | 11.4546% | 6,628 |
| Memoranda: | ||
| Average total assets | $61,771,500 | 6,409 |
| Average earning assets | $53,944,000 | 6,504 |
| Average equity | $4,850,000 | 7,172 |
| Average total loans | $44,709,500 | 6,030 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2904% | 4,018 |
| Cost of funding earning assets | 1.2742% | 7,868 |
| Net interest margin | 5.0162% | 491 |
| Noninterest income to average assets | 1.1228% | 1,238 |
| Noninterest expense to average assets | 3.5932% | 2,166 |
| Loan and lease loss provision to assets | 0.2635% | 4,290 |
| Net operating income to assets | 1.7504% | 606 |
| Return on assets (ROA) | 1.7504% | 583 |
| Pretax return on assets | 1.7521% | 1,048 |
| Return on Equity (ROE) | 22.4243% | 237 |
| Retained earnings to average equity (ytd only) | 1.5695% | 4,276 |
| Net charge-offs to loans | 0.2509% | 3,766 |
| Credit loss provision to net charge-offs | 145.3704% | 3,630 |
| Earnings coverage of net charge-offs (x) | 11.1204% | 2,412 |
| Efficiency ratio | 64.0634% | 5,542 |
| Assets per employee ($millions) | 3.6745% | 4,226 |
| Cash dividends to net income (ytd only)* | 93.0010% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2152% | 4,417 |
| Loan loss allowance to noncurrent loans | 119.8218% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 1.1869% | 3,882 |
| Noncurrent loans to loans | 1.0142% | 4,552 |
| Net loans and leases to total assets | 66.1239% | 4,824 |
| Net loans and leases to deposits | 75.0455% | 5,724 |
| Net loans and leases to core deposits | 81.1214% | 6,529 |
| Total domestic deposits to total assets | 88.1118% | 1,425 |
| Equity capital to assets | 7.3222% | 7,536 |
| Core capital (leverage) ratio | 8.2983% | 5,953 |
| Tier 1 risk-based capital ratio | 9.9057% | 6,841 |
| Total risk-based capital ratio | 11.0255% | 6,872 |
| Memoranda: | ||
| Average total assets | $59,584,800 | 6,395 |
| Average earning assets | $53,287,800 | 6,449 |
| Average equity | $4,651,200 | 7,278 |
| Average total loans | $43,049,600 | 6,021 |