Home > Clay County State Bank > Performance and Condition Ratios
Clay County State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0480% | 3,885 |
| Cost of funding earning assets | 0.8020% | 3,725 |
| Net interest margin | 3.2461% | 2,758 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 1.9243% | 3,785 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.4174% | 1,188 |
| Return on assets (ROA) | 1.2668% | 1,473 |
| Pretax return on assets | 1.2668% | 1,967 |
| Return on Equity (ROE) | 17.2700% | 918 |
| Retained earnings to average equity (ytd only) | 6.4047% | 2,091 |
| Net charge-offs to loans | -0.0682% | 4,439 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 56.9659% | 3,400 |
| Assets per employee ($millions) | 6.4877% | 2,422 |
| Cash dividends to net income (ytd only)* | 62.9222% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 3,122 |
| Loan loss allowance to noncurrent loans | 76.5321% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 837 |
| Noncurrent loans to loans | 1.3555% | 512 |
| Net loans and leases to total assets | 47.0500% | 3,775 |
| Net loans and leases to deposits | 51.6623% | 3,891 |
| Net loans and leases to core deposits | 56.6043% | 3,891 |
| Total domestic deposits to total assets | 91.0800% | 484 |
| Equity capital to assets | 8.2849% | 3,213 |
| Core capital (leverage) ratio | 12.1903% | 1,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $107,519,200 | 3,759 |
| Average earning assets | $104,618,600 | 3,700 |
| Average equity | $7,884,800 | 3,943 |
| Average total loans | $48,363,200 | 3,864 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8904% | 4,010 |
| Cost of funding earning assets | 0.6358% | 3,908 |
| Net interest margin | 3.2546% | 2,793 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.8146% | 3,948 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.5368% | 1,051 |
| Return on assets (ROA) | 1.3376% | 1,435 |
| Pretax return on assets | 1.3376% | 1,937 |
| Return on Equity (ROE) | 18.8200% | 841 |
| Retained earnings to average equity (ytd only) | 15.9525% | 465 |
| Net charge-offs to loans | -0.0055% | 3,769 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.6142% | 3,614 |
| Assets per employee ($millions) | 6.8860% | 2,047 |
| Cash dividends to net income (ytd only)* | 15.2574% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 3,327 |
| Loan loss allowance to noncurrent loans | 80.4384% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.5382% | 1,085 |
| Noncurrent loans to loans | 1.2512% | 617 |
| Net loans and leases to total assets | 42.5800% | 3,971 |
| Net loans and leases to deposits | 46.1088% | 4,048 |
| Net loans and leases to core deposits | 46.5309% | 4,117 |
| Total domestic deposits to total assets | 92.3600% | 393 |
| Equity capital to assets | 7.0896% | 3,570 |
| Core capital (leverage) ratio | 12.4222% | 1,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $108,448,250 | 3,770 |
| Average earning assets | $105,692,500 | 3,702 |
| Average equity | $7,706,000 | 3,965 |
| Average total loans | $48,115,750 | 3,876 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8479% | 3,953 |
| Cost of funding earning assets | 0.5818% | 3,800 |
| Net interest margin | 3.2662% | 2,833 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.8003% | 3,999 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.5630% | 1,000 |
| Return on assets (ROA) | 1.2626% | 1,652 |
| Pretax return on assets | 1.2626% | 2,182 |
| Return on Equity (ROE) | 17.7600% | 982 |
| Retained earnings to average equity (ytd only) | 14.8612% | 575 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.0891% | 3,688 |
| Assets per employee ($millions) | 6.8132% | 2,063 |
| Cash dividends to net income (ytd only)* | 16.2996% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 3,566 |
| Loan loss allowance to noncurrent loans | 39.5726% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 1.0733% | 414 |
| Noncurrent loans to loans | 2.4294% | 193 |
| Net loans and leases to total assets | 43.7600% | 3,889 |
| Net loans and leases to deposits | 47.4664% | 4,006 |
| Net loans and leases to core deposits | 47.9045% | 4,070 |
| Total domestic deposits to total assets | 92.1800% | 379 |
| Equity capital to assets | 7.3011% | 3,632 |
| Core capital (leverage) ratio | 12.1107% | 1,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $107,872,333 | 3,789 |
| Average earning assets | $105,199,667 | 3,725 |
| Average equity | $7,671,000 | 3,989 |
| Average total loans | $48,356,000 | 3,879 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7411% | 3,963 |
| Cost of funding earning assets | 0.5246% | 3,615 |
| Net interest margin | 3.2165% | 3,073 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 1.8154% | 4,004 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.5097% | 1,168 |
| Return on assets (ROA) | 0.9058% | 2,793 |
| Pretax return on assets | 0.9058% | 3,219 |
| Return on Equity (ROE) | 12.9100% | 2,003 |
| Retained earnings to average equity (ytd only) | 9.9907% | 1,700 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.4134% | 3,565 |
| Assets per employee ($millions) | 6.3190% | 2,484 |
| Cash dividends to net income (ytd only)* | 22.6337% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9438% | 3,739 |
| Loan loss allowance to noncurrent loans | 37.8039% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.1106% | 354 |
| Noncurrent loans to loans | 2.4965% | 197 |
| Net loans and leases to total assets | 44.0600% | 3,866 |
| Net loans and leases to deposits | 47.7124% | 3,971 |
| Net loans and leases to core deposits | 48.1570% | 4,047 |
| Total domestic deposits to total assets | 92.3500% | 432 |
| Equity capital to assets | 7.1568% | 3,755 |
| Core capital (leverage) ratio | 11.5589% | 1,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $107,303,000 | 3,841 |
| Average earning assets | $104,460,000 | 3,780 |
| Average equity | $7,527,000 | 4,058 |
| Average total loans | $48,453,500 | 3,927 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9703% | 4,168 |
| Cost of funding earning assets | 0.2858% | 2,993 |
| Net interest margin | 2.6845% | 4,076 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 1.7484% | 4,090 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1557% | 1,946 |
| Return on assets (ROA) | 1.1557% | 1,888 |
| Pretax return on assets | 1.1557% | 2,584 |
| Return on Equity (ROE) | 14.4300% | 1,425 |
| Retained earnings to average equity (ytd only) | 4.7469% | 3,157 |
| Net charge-offs to loans | 0.2305% | 343 |
| Credit loss provision to net charge-offs | 1.8519% | 1,977 |
| Earnings coverage of net charge-offs (x) | 11.8426% | 2,138 |
| Efficiency ratio | 60.1682% | 3,036 |
| Assets per employee ($millions) | 6.3049% | 2,508 |
| Cash dividends to net income (ytd only)* | 67.1104% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9120% | 3,722 |
| Loan loss allowance to noncurrent loans | 38.4880% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.0860% | 389 |
| Noncurrent loans to loans | 2.3697% | 201 |
| Net loans and leases to total assets | 45.4100% | 3,824 |
| Net loans and leases to deposits | 49.0438% | 3,932 |
| Net loans and leases to core deposits | 49.4956% | 3,996 |
| Total domestic deposits to total assets | 92.5900% | 493 |
| Equity capital to assets | 6.8724% | 3,727 |
| Core capital (leverage) ratio | 11.1160% | 1,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $110,499,000 | 3,828 |
| Average earning assets | $108,102,200 | 3,746 |
| Average equity | $8,847,800 | 4,006 |
| Average total loans | $46,854,200 | 3,949 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7541% | 4,240 |
| Cost of funding earning assets | 0.2515% | 2,687 |
| Net interest margin | 2.5026% | 4,206 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.7294% | 4,114 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0276% | 2,377 |
| Return on assets (ROA) | 1.0276% | 2,345 |
| Pretax return on assets | 1.0276% | 2,943 |
| Return on Equity (ROE) | 12.4100% | 1,908 |
| Retained earnings to average equity (ytd only) | 10.0089% | 1,338 |
| Net charge-offs to loans | -0.0346% | 4,183 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.7281% | 2,727 |
| Assets per employee ($millions) | 7.2378% | 1,789 |
| Cash dividends to net income (ytd only)* | 19.3473% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 2,435 |
| Loan loss allowance to noncurrent loans | 44.0124% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 1.1105% | 392 |
| Noncurrent loans to loans | 2.7668% | 181 |
| Net loans and leases to total assets | 39.6500% | 4,086 |
| Net loans and leases to deposits | 42.5816% | 4,164 |
| Net loans and leases to core deposits | 42.9420% | 4,201 |
| Total domestic deposits to total assets | 93.1100% | 556 |
| Equity capital to assets | 6.4220% | 3,780 |
| Core capital (leverage) ratio | 11.4902% | 1,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $111,328,000 | 3,845 |
| Average earning assets | $109,217,250 | 3,759 |
| Average equity | $9,218,250 | 4,014 |
| Average total loans | $46,287,500 | 3,977 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6086% | 4,269 |
| Cost of funding earning assets | 0.2414% | 2,375 |
| Net interest margin | 2.3673% | 4,263 |
| Noninterest income to average assets | 0.1730% | 4,140 |
| Noninterest expense to average assets | 1.7553% | 4,045 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7393% | 3,182 |
| Return on assets (ROA) | 0.7393% | 3,138 |
| Pretax return on assets | 0.7393% | 3,479 |
| Return on Equity (ROE) | 8.2756% | 2,940 |
| Retained earnings to average equity (ytd only) | 6.0130% | 2,332 |
| Net charge-offs to loans | -0.0606% | 4,308 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3650% | 1,904 |
| Assets per employee ($millions) | 6.4500% | 2,346 |
| Cash dividends to net income (ytd only)* | 27.3399% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 2,501 |
| Loan loss allowance to noncurrent loans | 39.5819% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.3087% | 304 |
| Noncurrent loans to loans | 3.1185% | 157 |
| Net loans and leases to total assets | 41.4482% | 4,008 |
| Net loans and leases to deposits | 44.9038% | 4,073 |
| Net loans and leases to core deposits | 45.3075% | 4,143 |
| Total domestic deposits to total assets | 92.3046% | 726 |
| Equity capital to assets | 7.2275% | 3,646 |
| Core capital (leverage) ratio | 11.0248% | 1,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,835,667 | 3,902 |
| Average earning assets | $107,719,333 | 3,824 |
| Average equity | $9,812,000 | 4,018 |
| Average total loans | $46,223,333 | 4,023 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5367% | 4,219 |
| Cost of funding earning assets | 0.2266% | 2,447 |
| Net interest margin | 2.3101% | 4,221 |
| Noninterest income to average assets | 0.1747% | 4,125 |
| Noninterest expense to average assets | 1.7684% | 4,018 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6695% | 3,163 |
| Return on assets (ROA) | 0.6695% | 3,146 |
| Pretax return on assets | 0.6695% | 3,476 |
| Return on Equity (ROE) | 6.8430% | 3,088 |
| Retained earnings to average equity (ytd only) | 4.7975% | 2,667 |
| Net charge-offs to loans | -0.0691% | 4,363 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5373% | 1,907 |
| Assets per employee ($millions) | 6.6760% | 2,241 |
| Cash dividends to net income (ytd only)* | 29.8913% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 2,498 |
| Loan loss allowance to noncurrent loans | 36.3049% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.4027% | 268 |
| Noncurrent loans to loans | 3.4993% | 127 |
| Net loans and leases to total assets | 38.4838% | 4,094 |
| Net loans and leases to deposits | 44.5442% | 4,041 |
| Net loans and leases to core deposits | 44.9564% | 4,121 |
| Total domestic deposits to total assets | 86.3946% | 3,136 |
| Equity capital to assets | 8.7724% | 2,912 |
| Core capital (leverage) ratio | 10.9317% | 1,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,928,500 | 3,917 |
| Average earning assets | $107,701,000 | 3,835 |
| Average equity | $10,755,500 | 3,976 |
| Average total loans | $46,327,000 | 4,031 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9081% | 4,039 |
| Cost of funding earning assets | 0.2695% | 2,710 |
| Net interest margin | 2.6386% | 3,980 |
| Noninterest income to average assets | 0.1941% | 4,201 |
| Noninterest expense to average assets | 1.9095% | 3,904 |
| Loan and lease loss provision to assets | 0.0274% | 2,507 |
| Net operating income to assets | 0.8445% | 3,206 |
| Return on assets (ROA) | 0.8547% | 3,239 |
| Pretax return on assets | 0.8547% | 3,611 |
| Return on Equity (ROE) | 6.9309% | 3,533 |
| Retained earnings to average equity (ytd only) | 1.0137% | 4,254 |
| Net charge-offs to loans | -0.0509% | 4,331 |
| Credit loss provision to net charge-offs | -108.0000% | 3,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6518% | 1,903 |
| Assets per employee ($millions) | 6.2568% | 2,522 |
| Cash dividends to net income (ytd only)* | 85.3746% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1442% | 3,153 |
| Loan loss allowance to noncurrent loans | 33.0746% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.5748% | 255 |
| Noncurrent loans to loans | 3.4596% | 148 |
| Net loans and leases to total assets | 44.9979% | 3,766 |
| Net loans and leases to deposits | 53.6371% | 3,624 |
| Net loans and leases to core deposits | 54.1818% | 3,741 |
| Total domestic deposits to total assets | 83.8932% | 3,591 |
| Equity capital to assets | 10.8635% | 1,889 |
| Core capital (leverage) ratio | 11.7566% | 1,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,402,200 | 4,008 |
| Average earning assets | $96,489,400 | 3,947 |
| Average equity | $12,134,000 | 3,921 |
| Average total loans | $49,079,800 | 4,018 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0142% | 3,976 |
| Cost of funding earning assets | 0.2718% | 2,877 |
| Net interest margin | 2.7424% | 3,897 |
| Noninterest income to average assets | 0.1908% | 4,252 |
| Noninterest expense to average assets | 1.9223% | 3,888 |
| Loan and lease loss provision to assets | 0.0342% | 2,315 |
| Net operating income to assets | 0.9266% | 3,160 |
| Return on assets (ROA) | 0.9404% | 3,202 |
| Pretax return on assets | 0.9404% | 3,606 |
| Return on Equity (ROE) | 7.3838% | 3,564 |
| Retained earnings to average equity (ytd only) | 5.5813% | 3,008 |
| Net charge-offs to loans | 0.0596% | 1,044 |
| Credit loss provision to net charge-offs | 113.6364% | 1,493 |
| Earnings coverage of net charge-offs (x) | 31.5909% | 1,497 |
| Efficiency ratio | 66.6667% | 2,011 |
| Assets per employee ($millions) | 5.4297% | 3,273 |
| Cash dividends to net income (ytd only)* | 24.4118% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 3,615 |
| Loan loss allowance to noncurrent loans | 32.4550% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 1.5921% | 302 |
| Noncurrent loans to loans | 3.2708% | 185 |
| Net loans and leases to total assets | 48.1583% | 3,614 |
| Net loans and leases to deposits | 58.9502% | 3,328 |
| Net loans and leases to core deposits | 59.6200% | 3,494 |
| Total domestic deposits to total assets | 81.6932% | 3,977 |
| Equity capital to assets | 12.6793% | 1,101 |
| Core capital (leverage) ratio | 12.2797% | 1,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,411,500 | 4,075 |
| Average earning assets | $94,660,250 | 4,015 |
| Average equity | $12,278,750 | 3,954 |
| Average total loans | $49,245,750 | 4,072 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1587% | 3,753 |
| Cost of funding earning assets | 0.2698% | 3,091 |
| Net interest margin | 2.8889% | 3,598 |
| Noninterest income to average assets | 0.1771% | 4,312 |
| Noninterest expense to average assets | 1.9339% | 3,878 |
| Loan and lease loss provision to assets | 0.0250% | 2,470 |
| Net operating income to assets | 1.0524% | 2,707 |
| Return on assets (ROA) | 1.0524% | 2,788 |
| Pretax return on assets | 1.0524% | 3,328 |
| Return on Equity (ROE) | 8.2510% | 3,335 |
| Retained earnings to average equity (ytd only) | 6.4374% | 2,645 |
| Net charge-offs to loans | 0.0924% | 783 |
| Credit loss provision to net charge-offs | 52.1739% | 1,597 |
| Earnings coverage of net charge-offs (x) | 22.4783% | 1,483 |
| Efficiency ratio | 64.2215% | 2,400 |
| Assets per employee ($millions) | 5.0628% | 3,607 |
| Cash dividends to net income (ytd only)* | 21.9802% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 3,816 |
| Loan loss allowance to noncurrent loans | 32.7115% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 1.5604% | 349 |
| Noncurrent loans to loans | 3.0640% | 233 |
| Net loans and leases to total assets | 50.4164% | 3,517 |
| Net loans and leases to deposits | 61.8434% | 3,217 |
| Net loans and leases to core deposits | 62.3555% | 3,433 |
| Total domestic deposits to total assets | 81.5226% | 4,003 |
| Equity capital to assets | 12.7785% | 1,021 |
| Core capital (leverage) ratio | 12.5607% | 903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,970,667 | 4,105 |
| Average earning assets | $94,152,333 | 4,040 |
| Average equity | $12,241,000 | 3,963 |
| Average total loans | $49,803,667 | 4,091 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4117% | 3,163 |
| Cost of funding earning assets | 0.2811% | 3,180 |
| Net interest margin | 3.1306% | 2,903 |
| Noninterest income to average assets | 0.1794% | 4,300 |
| Noninterest expense to average assets | 1.9320% | 3,907 |
| Loan and lease loss provision to assets | 0.0250% | 2,458 |
| Net operating income to assets | 1.2894% | 1,860 |
| Return on assets (ROA) | 1.2894% | 1,931 |
| Pretax return on assets | 1.2894% | 2,594 |
| Return on Equity (ROE) | 10.1183% | 2,653 |
| Retained earnings to average equity (ytd only) | 8.3173% | 2,145 |
| Net charge-offs to loans | 0.0558% | 953 |
| Credit loss provision to net charge-offs | 85.7143% | 1,185 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 939 |
| Efficiency ratio | 59.5116% | 3,088 |
| Assets per employee ($millions) | 5.3396% | 3,292 |
| Cash dividends to net income (ytd only)* | 17.7994% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 3,758 |
| Loan loss allowance to noncurrent loans | 28.1145% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 1.8541% | 294 |
| Noncurrent loans to loans | 3.6361% | 168 |
| Net loans and leases to total assets | 50.4692% | 3,584 |
| Net loans and leases to deposits | 61.0842% | 3,401 |
| Net loans and leases to core deposits | 61.7813% | 3,591 |
| Total domestic deposits to total assets | 82.6224% | 3,780 |
| Equity capital to assets | 12.7497% | 979 |
| Core capital (leverage) ratio | 12.4299% | 1,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,859,500 | 4,121 |
| Average earning assets | $93,911,500 | 4,050 |
| Average equity | $12,215,500 | 3,976 |
| Average total loans | $50,211,500 | 4,100 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5211% | 3,986 |
| Cost of funding earning assets | 0.4981% | 2,964 |
| Net interest margin | 3.0230% | 3,838 |
| Noninterest income to average assets | 0.2234% | 4,159 |
| Noninterest expense to average assets | 2.1250% | 3,884 |
| Loan and lease loss provision to assets | 0.0316% | 4,002 |
| Net operating income to assets | 1.0268% | 2,188 |
| Return on assets (ROA) | 1.0268% | 2,331 |
| Pretax return on assets | 1.0268% | 2,951 |
| Return on Equity (ROE) | 7.2259% | 3,104 |
| Retained earnings to average equity (ytd only) | 0.1564% | 4,477 |
| Net charge-offs to loans | 0.0019% | 3,337 |
| Credit loss provision to net charge-offs | 2,700.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 905.0000% | 132 |
| Efficiency ratio | 66.7524% | 2,400 |
| Assets per employee ($millions) | 5.3115% | 3,040 |
| Cash dividends to net income (ytd only)* | 97.8360% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9764% | 3,959 |
| Loan loss allowance to noncurrent loans | 26.0779% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 2.0135% | 279 |
| Noncurrent loans to loans | 3.7440% | 164 |
| Net loans and leases to total assets | 53.2524% | 3,555 |
| Net loans and leases to deposits | 64.5604% | 3,397 |
| Net loans and leases to core deposits | 65.2999% | 3,601 |
| Total domestic deposits to total assets | 82.4845% | 3,540 |
| Equity capital to assets | 12.7365% | 1,209 |
| Core capital (leverage) ratio | 12.3255% | 1,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,506,200 | 4,182 |
| Average earning assets | $83,725,000 | 4,105 |
| Average equity | $12,150,800 | 3,958 |
| Average total loans | $51,427,000 | 4,088 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6938% | 3,812 |
| Cost of funding earning assets | 0.5623% | 2,854 |
| Net interest margin | 3.1314% | 3,667 |
| Noninterest income to average assets | 0.2394% | 4,053 |
| Noninterest expense to average assets | 2.1659% | 3,761 |
| Loan and lease loss provision to assets | 0.0337% | 3,918 |
| Net operating income to assets | 1.1087% | 1,954 |
| Return on assets (ROA) | 1.1087% | 2,074 |
| Pretax return on assets | 1.1087% | 2,715 |
| Return on Equity (ROE) | 7.5754% | 2,979 |
| Retained earnings to average equity (ytd only) | 5.7310% | 2,221 |
| Net charge-offs to loans | -0.0052% | 4,057 |
| Credit loss provision to net charge-offs | -1,050.0000% | 3,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4687% | 2,529 |
| Assets per employee ($millions) | 4.7433% | 3,546 |
| Cash dividends to net income (ytd only)* | 24.3478% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9587% | 3,852 |
| Loan loss allowance to noncurrent loans | 27.3125% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 2.0273% | 320 |
| Noncurrent loans to loans | 3.5102% | 230 |
| Net loans and leases to total assets | 57.1991% | 3,502 |
| Net loans and leases to deposits | 70.7372% | 3,243 |
| Net loans and leases to core deposits | 71.6147% | 3,511 |
| Total domestic deposits to total assets | 80.8615% | 3,690 |
| Equity capital to assets | 14.0665% | 839 |
| Core capital (leverage) ratio | 13.6064% | 813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,981,000 | 4,216 |
| Average earning assets | $81,324,500 | 4,151 |
| Average equity | $12,144,250 | 3,963 |
| Average total loans | $51,430,000 | 4,104 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8623% | 3,712 |
| Cost of funding earning assets | 0.6310% | 2,806 |
| Net interest margin | 3.2312% | 3,573 |
| Noninterest income to average assets | 0.2506% | 3,972 |
| Noninterest expense to average assets | 2.2084% | 3,751 |
| Loan and lease loss provision to assets | 0.0323% | 3,864 |
| Net operating income to assets | 1.1737% | 1,714 |
| Return on assets (ROA) | 1.1737% | 1,848 |
| Pretax return on assets | 1.1737% | 2,451 |
| Return on Equity (ROE) | 7.9053% | 2,786 |
| Retained earnings to average equity (ytd only) | 6.0167% | 2,075 |
| Net charge-offs to loans | -0.0117% | 4,244 |
| Credit loss provision to net charge-offs | -433.3333% | 3,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6802% | 2,719 |
| Assets per employee ($millions) | 4.7879% | 3,424 |
| Cash dividends to net income (ytd only)* | 23.8901% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9553% | 3,777 |
| Loan loss allowance to noncurrent loans | 19.4697% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 2.9322% | 165 |
| Noncurrent loans to loans | 4.9066% | 112 |
| Net loans and leases to total assets | 59.1887% | 3,408 |
| Net loans and leases to deposits | 73.5757% | 3,116 |
| Net loans and leases to core deposits | 74.2558% | 3,442 |
| Total domestic deposits to total assets | 80.4460% | 3,741 |
| Equity capital to assets | 14.4206% | 753 |
| Core capital (leverage) ratio | 14.2202% | 708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,600,667 | 4,245 |
| Average earning assets | $78,917,000 | 4,180 |
| Average equity | $11,966,667 | 3,988 |
| Average total loans | $51,224,000 | 4,113 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9740% | 3,863 |
| Cost of funding earning assets | 0.7096% | 2,891 |
| Net interest margin | 3.2644% | 3,678 |
| Noninterest income to average assets | 0.2982% | 3,732 |
| Noninterest expense to average assets | 2.3287% | 3,700 |
| Loan and lease loss provision to assets | 0.0360% | 3,321 |
| Net operating income to assets | 1.1258% | 1,761 |
| Return on assets (ROA) | 1.1258% | 1,863 |
| Pretax return on assets | 1.1258% | 2,436 |
| Return on Equity (ROE) | 7.4642% | 2,754 |
| Retained earnings to average equity (ytd only) | 5.5215% | 2,058 |
| Net charge-offs to loans | -0.0078% | 3,993 |
| Credit loss provision to net charge-offs | -700.0000% | 3,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7158% | 2,861 |
| Assets per employee ($millions) | 4.4376% | 3,350 |
| Cash dividends to net income (ytd only)* | 26.0274% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9630% | 3,879 |
| Loan loss allowance to noncurrent loans | 27.2984% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 2.2197% | 341 |
| Noncurrent loans to loans | 3.5277% | 266 |
| Net loans and leases to total assets | 62.3153% | 3,266 |
| Net loans and leases to deposits | 73.5316% | 3,320 |
| Net loans and leases to core deposits | 74.5101% | 3,605 |
| Total domestic deposits to total assets | 84.7464% | 2,514 |
| Equity capital to assets | 14.7616% | 819 |
| Core capital (leverage) ratio | 15.2281% | 644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,810,000 | 4,293 |
| Average earning assets | $76,094,500 | 4,225 |
| Average equity | $11,736,000 | 4,029 |
| Average total loans | $51,085,000 | 4,137 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1413% | 3,950 |
| Cost of funding earning assets | 0.6952% | 3,181 |
| Net interest margin | 3.4462% | 3,601 |
| Noninterest income to average assets | 0.3571% | 3,563 |
| Noninterest expense to average assets | 2.3778% | 3,742 |
| Loan and lease loss provision to assets | 0.0302% | 3,413 |
| Net operating income to assets | 1.3143% | 1,634 |
| Return on assets (ROA) | 1.3143% | 1,713 |
| Pretax return on assets | 1.3143% | 2,457 |
| Return on Equity (ROE) | 8.6715% | 2,883 |
| Retained earnings to average equity (ytd only) | 1.2474% | 4,293 |
| Net charge-offs to loans | 0.1697% | 1,188 |
| Credit loss provision to net charge-offs | 26.1364% | 3,295 |
| Earnings coverage of net charge-offs (x) | 11.6364% | 2,479 |
| Efficiency ratio | 63.8801% | 3,088 |
| Assets per employee ($millions) | 3.9865% | 3,913 |
| Cash dividends to net income (ytd only)* | 85.6144% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9170% | 3,891 |
| Loan loss allowance to noncurrent loans | 46.4390% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.3532% | 792 |
| Noncurrent loans to loans | 1.9745% | 653 |
| Net loans and leases to total assets | 67.9064% | 2,691 |
| Net loans and leases to deposits | 80.5509% | 2,718 |
| Net loans and leases to core deposits | 81.6779% | 3,160 |
| Total domestic deposits to total assets | 84.3024% | 2,752 |
| Equity capital to assets | 15.4217% | 701 |
| Core capital (leverage) ratio | 15.1009% | 665 |
| Tier 1 risk-based capital ratio | 22.8891% | 920 |
| Total risk-based capital ratio | 23.8227% | 942 |
| Memoranda: | ||
| Average total assets | $76,163,400 | 4,348 |
| Average earning assets | $74,372,000 | 4,280 |
| Average equity | $11,543,600 | 4,049 |
| Average total loans | $51,843,000 | 4,145 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1156% | 4,120 |
| Cost of funding earning assets | 0.6695% | 3,356 |
| Net interest margin | 3.4461% | 3,744 |
| Noninterest income to average assets | 0.3426% | 3,678 |
| Noninterest expense to average assets | 2.3321% | 3,872 |
| Loan and lease loss provision to assets | 0.0402% | 3,103 |
| Net operating income to assets | 1.3356% | 1,697 |
| Return on assets (ROA) | 1.3356% | 1,773 |
| Pretax return on assets | 1.3356% | 2,545 |
| Return on Equity (ROE) | 8.8506% | 2,940 |
| Retained earnings to average equity (ytd only) | 6.9276% | 1,896 |
| Net charge-offs to loans | 0.0720% | 1,800 |
| Credit loss provision to net charge-offs | 82.1429% | 2,477 |
| Earnings coverage of net charge-offs (x) | 28.1090% | 1,694 |
| Efficiency ratio | 62.8949% | 3,182 |
| Assets per employee ($millions) | 4.1303% | 3,713 |
| Cash dividends to net income (ytd only)* | 21.7280% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0294% | 3,404 |
| Loan loss allowance to noncurrent loans | 38.0952% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 1.7929% | 554 |
| Noncurrent loans to loans | 2.7021% | 401 |
| Net loans and leases to total assets | 65.6685% | 3,090 |
| Net loans and leases to deposits | 77.8236% | 3,114 |
| Net loans and leases to core deposits | 78.8717% | 3,481 |
| Total domestic deposits to total assets | 84.3812% | 2,682 |
| Equity capital to assets | 15.3996% | 750 |
| Core capital (leverage) ratio | 15.6762% | 610 |
| Tier 1 risk-based capital ratio | 23.7083% | 872 |
| Total risk-based capital ratio | 24.7565% | 878 |
| Memoranda: | ||
| Average total assets | $76,268,250 | 4,400 |
| Average earning assets | $74,478,750 | 4,332 |
| Average equity | $11,509,250 | 4,095 |
| Average total loans | $51,826,000 | 4,192 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1150% | 4,125 |
| Cost of funding earning assets | 0.6579% | 3,366 |
| Net interest margin | 3.4572% | 3,720 |
| Noninterest income to average assets | 0.3310% | 3,728 |
| Noninterest expense to average assets | 2.3593% | 3,850 |
| Loan and lease loss provision to assets | 0.0397% | 3,019 |
| Net operating income to assets | 1.3133% | 1,726 |
| Return on assets (ROA) | 1.3133% | 1,790 |
| Pretax return on assets | 1.3133% | 2,511 |
| Return on Equity (ROE) | 8.7653% | 2,947 |
| Retained earnings to average equity (ytd only) | 6.8037% | 1,901 |
| Net charge-offs to loans | 0.0232% | 2,382 |
| Credit loss provision to net charge-offs | 250.0000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 85.1667% | 778 |
| Efficiency ratio | 63.5521% | 3,208 |
| Assets per employee ($millions) | 3.8875% | 4,016 |
| Cash dividends to net income (ytd only)* | 22.3790% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0695% | 3,237 |
| Loan loss allowance to noncurrent loans | 41.3534% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 1.8007% | 563 |
| Noncurrent loans to loans | 2.5863% | 440 |
| Net loans and leases to total assets | 68.8784% | 2,692 |
| Net loans and leases to deposits | 82.0816% | 2,723 |
| Net loans and leases to core deposits | 82.9123% | 3,201 |
| Total domestic deposits to total assets | 83.9146% | 2,902 |
| Equity capital to assets | 15.8864% | 631 |
| Core capital (leverage) ratio | 15.7724% | 577 |
| Tier 1 risk-based capital ratio | 23.6100% | 884 |
| Total risk-based capital ratio | 24.7002% | 881 |
| Memoranda: | ||
| Average total assets | $75,532,330 | 4,444 |
| Average earning assets | $73,875,670 | 4,374 |
| Average equity | $11,317,330 | 4,128 |
| Average total loans | $51,744,670 | 4,229 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0448% | 4,273 |
| Cost of funding earning assets | 0.6268% | 3,428 |
| Net interest margin | 3.4180% | 3,840 |
| Noninterest income to average assets | 0.3247% | 3,687 |
| Noninterest expense to average assets | 2.3099% | 3,997 |
| Loan and lease loss provision to assets | 0.0419% | 2,795 |
| Net operating income to assets | 1.3147% | 1,645 |
| Return on assets (ROA) | 1.3147% | 1,690 |
| Pretax return on assets | 1.3147% | 2,391 |
| Return on Equity (ROE) | 9.0377% | 2,792 |
| Retained earnings to average equity (ytd only) | 7.0573% | 2,013 |
| Net charge-offs to loans | 0.0462% | 1,614 |
| Credit loss provision to net charge-offs | 133.3333% | 1,335 |
| Earnings coverage of net charge-offs (x) | 43.1667% | 1,106 |
| Efficiency ratio | 63.0000% | 3,381 |
| Assets per employee ($millions) | 4.0274% | 3,879 |
| Cash dividends to net income (ytd only)* | 21.9124% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 3,374 |
| Loan loss allowance to noncurrent loans | 67.8750% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.0455% | 1,326 |
| Noncurrent loans to loans | 1.5568% | 1,029 |
| Net loans and leases to total assets | 66.4432% | 2,983 |
| Net loans and leases to deposits | 78.1022% | 3,046 |
| Net loans and leases to core deposits | 78.8545% | 3,459 |
| Total domestic deposits to total assets | 85.0721% | 2,658 |
| Equity capital to assets | 14.7724% | 798 |
| Core capital (leverage) ratio | 15.4108% | 613 |
| Tier 1 risk-based capital ratio | 23.1352% | 922 |
| Total risk-based capital ratio | 24.2070% | 920 |
| Memoranda: | ||
| Average total assets | $76,367,500 | 4,480 |
| Average earning assets | $74,664,000 | 4,399 |
| Average equity | $11,109,000 | 4,175 |
| Average total loans | $51,904,500 | 4,264 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9093% | 4,255 |
| Cost of funding earning assets | 0.5441% | 3,089 |
| Net interest margin | 3.3653% | 4,090 |
| Noninterest income to average assets | 0.3676% | 3,640 |
| Noninterest expense to average assets | 2.3076% | 4,103 |
| Loan and lease loss provision to assets | 0.0388% | 3,423 |
| Net operating income to assets | 1.3033% | 1,786 |
| Return on assets (ROA) | 1.3033% | 1,773 |
| Pretax return on assets | 1.3033% | 2,486 |
| Return on Equity (ROE) | 9.2341% | 2,866 |
| Retained earnings to average equity (ytd only) | 2.6501% | 4,079 |
| Net charge-offs to loans | 0.0950% | 1,811 |
| Credit loss provision to net charge-offs | 61.2245% | 3,089 |
| Earnings coverage of net charge-offs (x) | 21.1633% | 1,957 |
| Efficiency ratio | 63.2270% | 3,300 |
| Assets per employee ($millions) | 4.0113% | 3,881 |
| Cash dividends to net income (ytd only)* | 71.3009% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 3,489 |
| Loan loss allowance to noncurrent loans | 52.0192% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 1.3646% | 914 |
| Noncurrent loans to loans | 1.9839% | 683 |
| Net loans and leases to total assets | 68.0741% | 2,877 |
| Net loans and leases to deposits | 79.6971% | 2,990 |
| Net loans and leases to core deposits | 80.4559% | 3,395 |
| Total domestic deposits to total assets | 85.4161% | 2,466 |
| Equity capital to assets | 14.3202% | 886 |
| Core capital (leverage) ratio | 14.9778% | 699 |
| Tier 1 risk-based capital ratio | 22.2199% | 998 |
| Total risk-based capital ratio | 23.2629% | 1,011 |
| Memoranda: | ||
| Average total assets | $77,267,200 | 4,478 |
| Average earning assets | $75,357,800 | 4,395 |
| Average equity | $10,905,200 | 4,172 |
| Average total loans | $51,585,200 | 4,284 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8506% | 4,319 |
| Cost of funding earning assets | 0.5133% | 3,107 |
| Net interest margin | 3.3373% | 4,191 |
| Noninterest income to average assets | 0.3078% | 4,086 |
| Noninterest expense to average assets | 2.2717% | 4,167 |
| Loan and lease loss provision to assets | 0.0396% | 3,211 |
| Net operating income to assets | 1.2502% | 2,044 |
| Return on assets (ROA) | 1.2502% | 2,052 |
| Pretax return on assets | 1.2502% | 2,810 |
| Return on Equity (ROE) | 8.8903% | 3,135 |
| Retained earnings to average equity (ytd only) | 6.8603% | 2,201 |
| Net charge-offs to loans | 0.0597% | 1,972 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 32.6045% | 1,542 |
| Efficiency ratio | 63.7856% | 3,218 |
| Assets per employee ($millions) | 3.9941% | 3,898 |
| Cash dividends to net income (ytd only)* | 22.8338% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 3,332 |
| Loan loss allowance to noncurrent loans | 27.7228% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 2.5287% | 339 |
| Noncurrent loans to loans | 3.8734% | 226 |
| Net loans and leases to total assets | 64.5828% | 3,355 |
| Net loans and leases to deposits | 77.3591% | 3,293 |
| Net loans and leases to core deposits | 78.3828% | 3,630 |
| Total domestic deposits to total assets | 83.4844% | 3,127 |
| Equity capital to assets | 13.7928% | 1,024 |
| Core capital (leverage) ratio | 15.0303% | 696 |
| Tier 1 risk-based capital ratio | 20.1917% | 1,300 |
| Total risk-based capital ratio | 21.1502% | 1,321 |
| Memoranda: | ||
| Average total assets | $77,530,500 | 4,518 |
| Average earning assets | $75,588,000 | 4,434 |
| Average equity | $10,903,000 | 4,215 |
| Average total loans | $51,375,750 | 4,334 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8277% | 4,278 |
| Cost of funding earning assets | 0.4831% | 3,139 |
| Net interest margin | 3.3446% | 4,123 |
| Noninterest income to average assets | 0.2736% | 4,360 |
| Noninterest expense to average assets | 2.2333% | 4,294 |
| Loan and lease loss provision to assets | 0.0391% | 3,127 |
| Net operating income to assets | 1.2665% | 1,909 |
| Return on assets (ROA) | 1.2665% | 1,911 |
| Pretax return on assets | 1.2665% | 2,644 |
| Return on Equity (ROE) | 8.9464% | 3,045 |
| Retained earnings to average equity (ytd only) | 6.9031% | 2,110 |
| Net charge-offs to loans | 0.0900% | 1,447 |
| Credit loss provision to net charge-offs | 65.2174% | 2,395 |
| Earnings coverage of net charge-offs (x) | 21.7826% | 1,763 |
| Efficiency ratio | 63.1075% | 3,451 |
| Assets per employee ($millions) | 4.2105% | 3,565 |
| Cash dividends to net income (ytd only)* | 22.8395% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0898% | 3,327 |
| Loan loss allowance to noncurrent loans | 32.1491% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 2.2655% | 413 |
| Noncurrent loans to loans | 3.3899% | 295 |
| Net loans and leases to total assets | 66.1019% | 3,134 |
| Net loans and leases to deposits | 79.8655% | 2,968 |
| Net loans and leases to core deposits | 80.9887% | 3,322 |
| Total domestic deposits to total assets | 82.7666% | 3,478 |
| Equity capital to assets | 14.3992% | 834 |
| Core capital (leverage) ratio | 15.3421% | 605 |
| Tier 1 risk-based capital ratio | 22.6236% | 971 |
| Total risk-based capital ratio | 23.6990% | 971 |
| Memoranda: | ||
| Average total assets | $76,746,670 | 4,575 |
| Average earning assets | $74,927,670 | 4,488 |
| Average equity | $10,864,670 | 4,253 |
| Average total loans | $51,117,670 | 4,373 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7781% | 4,280 |
| Cost of funding earning assets | 0.4716% | 3,025 |
| Net interest margin | 3.3065% | 4,174 |
| Noninterest income to average assets | 0.2901% | 4,228 |
| Noninterest expense to average assets | 2.2583% | 4,269 |
| Loan and lease loss provision to assets | 0.0414% | 2,928 |
| Net operating income to assets | 1.2224% | 1,915 |
| Return on assets (ROA) | 1.2224% | 1,924 |
| Pretax return on assets | 1.2224% | 2,671 |
| Return on Equity (ROE) | 8.7081% | 3,055 |
| Retained earnings to average equity (ytd only) | 6.6787% | 2,422 |
| Net charge-offs to loans | 0.0078% | 2,457 |
| Credit loss provision to net charge-offs | 800.0000% | 410 |
| Earnings coverage of net charge-offs (x) | 244.0000% | 278 |
| Efficiency ratio | 64.1176% | 3,465 |
| Assets per employee ($millions) | 4.2797% | 3,518 |
| Cash dividends to net income (ytd only)* | 23.3051% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 3,263 |
| Loan loss allowance to noncurrent loans | 41.2364% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 1.7849% | 684 |
| Noncurrent loans to loans | 2.7183% | 467 |
| Net loans and leases to total assets | 64.9276% | 3,188 |
| Net loans and leases to deposits | 80.5051% | 2,752 |
| Net loans and leases to core deposits | 81.6511% | 3,172 |
| Total domestic deposits to total assets | 80.6504% | 4,285 |
| Equity capital to assets | 14.0092% | 891 |
| Core capital (leverage) ratio | 15.0457% | 651 |
| Tier 1 risk-based capital ratio | 19.9986% | 1,347 |
| Total risk-based capital ratio | 20.9918% | 1,360 |
| Memoranda: | ||
| Average total assets | $77,225,500 | 4,622 |
| Average earning assets | $75,487,500 | 4,533 |
| Average equity | $10,840,500 | 4,299 |
| Average total loans | $51,351,500 | 4,414 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7473% | 4,224 |
| Cost of funding earning assets | 0.4719% | 2,586 |
| Net interest margin | 3.2753% | 4,230 |
| Noninterest income to average assets | 0.3244% | 4,144 |
| Noninterest expense to average assets | 2.1875% | 4,553 |
| Loan and lease loss provision to assets | 0.1238% | 1,849 |
| Net operating income to assets | 1.2051% | 1,508 |
| Return on assets (ROA) | 1.2064% | 1,530 |
| Pretax return on assets | 1.2064% | 2,750 |
| Return on Equity (ROE) | 8.5464% | 2,522 |
| Retained earnings to average equity (ytd only) | 3.4425% | 3,224 |
| Net charge-offs to loans | 0.2167% | 1,198 |
| Credit loss provision to net charge-offs | 88.7850% | 2,811 |
| Earnings coverage of net charge-offs (x) | 9.5327% | 2,772 |
| Efficiency ratio | 62.2082% | 3,905 |
| Assets per employee ($millions) | 4.3009% | 3,481 |
| Cash dividends to net income (ytd only)* | 59.7192% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 3,483 |
| Loan loss allowance to noncurrent loans | 29.6610% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 2.4762% | 383 |
| Noncurrent loans to loans | 3.6225% | 275 |
| Net loans and leases to total assets | 66.5999% | 3,018 |
| Net loans and leases to deposits | 81.4132% | 2,768 |
| Net loans and leases to core deposits | 82.5512% | 3,199 |
| Total domestic deposits to total assets | 81.8048% | 3,910 |
| Equity capital to assets | 14.0656% | 890 |
| Core capital (leverage) ratio | 14.4911% | 734 |
| Tier 1 risk-based capital ratio | 21.2016% | 1,108 |
| Total risk-based capital ratio | 22.2583% | 1,123 |
| Memoranda: | ||
| Average total assets | $76,756,000 | 4,650 |
| Average earning assets | $74,801,200 | 4,569 |
| Average equity | $10,835,000 | 4,328 |
| Average total loans | $49,383,400 | 4,476 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7271% | 4,246 |
| Cost of funding earning assets | 0.4607% | 2,608 |
| Net interest margin | 3.2663% | 4,274 |
| Noninterest income to average assets | 0.3116% | 4,298 |
| Noninterest expense to average assets | 2.1516% | 4,632 |
| Loan and lease loss provision to assets | 0.1340% | 1,616 |
| Net operating income to assets | 1.2099% | 1,652 |
| Return on assets (ROA) | 1.2116% | 1,677 |
| Pretax return on assets | 1.2116% | 2,853 |
| Return on Equity (ROE) | 8.5753% | 2,826 |
| Retained earnings to average equity (ytd only) | 6.5301% | 1,951 |
| Net charge-offs to loans | 0.2491% | 867 |
| Credit loss provision to net charge-offs | 84.6154% | 2,522 |
| Earnings coverage of net charge-offs (x) | 8.4836% | 2,776 |
| Efficiency ratio | 61.5538% | 3,946 |
| Assets per employee ($millions) | 4.2644% | 3,533 |
| Cash dividends to net income (ytd only)* | 23.8507% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 3,522 |
| Loan loss allowance to noncurrent loans | 45.1822% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 1.6480% | 883 |
| Noncurrent loans to loans | 2.4201% | 644 |
| Net loans and leases to total assets | 65.7543% | 3,135 |
| Net loans and leases to deposits | 77.1959% | 3,252 |
| Net loans and leases to core deposits | 78.2503% | 3,607 |
| Total domestic deposits to total assets | 85.1785% | 2,645 |
| Equity capital to assets | 14.6001% | 827 |
| Core capital (leverage) ratio | 14.7451% | 712 |
| Tier 1 risk-based capital ratio | 22.0977% | 1,039 |
| Total risk-based capital ratio | 23.1799% | 1,036 |
| Memoranda: | ||
| Average total assets | $76,591,000 | 4,702 |
| Average earning assets | $74,659,500 | 4,618 |
| Average equity | $10,821,500 | 4,377 |
| Average total loans | $48,699,500 | 4,537 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6847% | 4,272 |
| Cost of funding earning assets | 0.4479% | 2,621 |
| Net interest margin | 3.2369% | 4,304 |
| Noninterest income to average assets | 0.2979% | 4,405 |
| Noninterest expense to average assets | 2.1533% | 4,660 |
| Loan and lease loss provision to assets | 0.1882% | 1,000 |
| Net operating income to assets | 1.1106% | 1,924 |
| Return on assets (ROA) | 1.1132% | 1,960 |
| Pretax return on assets | 1.1132% | 3,124 |
| Return on Equity (ROE) | 7.9678% | 3,051 |
| Retained earnings to average equity (ytd only) | 5.8917% | 2,176 |
| Net charge-offs to loans | 0.3339% | 605 |
| Credit loss provision to net charge-offs | 90.0000% | 2,140 |
| Earnings coverage of net charge-offs (x) | 6.2125% | 2,733 |
| Efficiency ratio | 62.3770% | 3,928 |
| Assets per employee ($millions) | 3.9648% | 4,016 |
| Cash dividends to net income (ytd only)* | 26.0563% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 3,445 |
| Loan loss allowance to noncurrent loans | 49.0435% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 1.5797% | 947 |
| Noncurrent loans to loans | 2.2932% | 694 |
| Net loans and leases to total assets | 65.8206% | 3,132 |
| Net loans and leases to deposits | 79.2824% | 2,995 |
| Net loans and leases to core deposits | 80.4152% | 3,391 |
| Total domestic deposits to total assets | 83.0205% | 3,558 |
| Equity capital to assets | 14.6126% | 796 |
| Core capital (leverage) ratio | 14.9075% | 651 |
| Tier 1 risk-based capital ratio | 21.9713% | 1,056 |
| Total risk-based capital ratio | 23.0798% | 1,053 |
| Memoranda: | ||
| Average total assets | $76,534,670 | 4,736 |
| Average earning assets | $74,578,000 | 4,644 |
| Average equity | $10,693,000 | 4,411 |
| Average total loans | $47,922,330 | 4,584 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5876% | 4,452 |
| Cost of funding earning assets | 0.4518% | 2,510 |
| Net interest margin | 3.1359% | 4,543 |
| Noninterest income to average assets | 0.2852% | 4,512 |
| Noninterest expense to average assets | 2.0950% | 4,861 |
| Loan and lease loss provision to assets | 0.3111% | 417 |
| Net operating income to assets | 0.9386% | 2,568 |
| Return on assets (ROA) | 0.9438% | 2,606 |
| Pretax return on assets | 0.9438% | 3,611 |
| Return on Equity (ROE) | 6.9100% | 3,441 |
| Retained earnings to average equity (ytd only) | 4.8218% | 3,001 |
| Net charge-offs to loans | 0.6922% | 255 |
| Credit loss provision to net charge-offs | 74.0741% | 1,797 |
| Earnings coverage of net charge-offs (x) | 2.9753% | 2,527 |
| Efficiency ratio | 62.6357% | 4,051 |
| Assets per employee ($millions) | 4.2216% | 3,629 |
| Cash dividends to net income (ytd only)* | 30.2198% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 3,556 |
| Loan loss allowance to noncurrent loans | 43.0805% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 1.7358% | 847 |
| Noncurrent loans to loans | 2.6091% | 583 |
| Net loans and leases to total assets | 63.7855% | 3,303 |
| Net loans and leases to deposits | 76.4041% | 3,148 |
| Net loans and leases to core deposits | 77.4826% | 3,516 |
| Total domestic deposits to total assets | 83.4845% | 3,662 |
| Equity capital to assets | 14.0178% | 895 |
| Core capital (leverage) ratio | 14.1292% | 806 |
| Tier 1 risk-based capital ratio | 21.9388% | 1,092 |
| Total risk-based capital ratio | 23.0387% | 1,084 |
| Memoranda: | ||
| Average total assets | $77,136,000 | 4,768 |
| Average earning assets | $75,258,500 | 4,672 |
| Average equity | $10,535,500 | 4,460 |
| Average total loans | $46,809,500 | 4,652 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3401% | 5,100 |
| Cost of funding earning assets | 0.4763% | 2,296 |
| Net interest margin | 2.8638% | 5,193 |
| Noninterest income to average assets | 0.3215% | 4,441 |
| Noninterest expense to average assets | 2.0298% | 5,135 |
| Loan and lease loss provision to assets | 0.1181% | 2,102 |
| Net operating income to assets | 0.9632% | 2,526 |
| Return on assets (ROA) | 1.0265% | 2,338 |
| Pretax return on assets | 1.0265% | 3,378 |
| Return on Equity (ROE) | 7.7288% | 3,097 |
| Retained earnings to average equity (ytd only) | 2.0995% | 4,343 |
| Net charge-offs to loans | 0.2426% | 1,146 |
| Credit loss provision to net charge-offs | 94.1748% | 2,722 |
| Earnings coverage of net charge-offs (x) | 8.6214% | 2,852 |
| Efficiency ratio | 65.2446% | 3,721 |
| Assets per employee ($millions) | 4.1202% | 3,750 |
| Cash dividends to net income (ytd only)* | 72.8351% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2826% | 2,643 |
| Loan loss allowance to noncurrent loans | 31.7249% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 2.3032% | 541 |
| Noncurrent loans to loans | 4.0428% | 254 |
| Net loans and leases to total assets | 56.2395% | 4,245 |
| Net loans and leases to deposits | 66.4082% | 4,212 |
| Net loans and leases to core deposits | 67.3057% | 4,444 |
| Total domestic deposits to total assets | 84.6876% | 3,175 |
| Equity capital to assets | 13.3094% | 1,130 |
| Core capital (leverage) ratio | 13.3200% | 1,026 |
| Tier 1 risk-based capital ratio | 23.2225% | 947 |
| Total risk-based capital ratio | 24.4453% | 933 |
| Memoranda: | ||
| Average total assets | $82,125,400 | 4,693 |
| Average earning assets | $79,998,800 | 4,587 |
| Average equity | $10,907,200 | 4,437 |
| Average total loans | $42,457,200 | 4,799 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3298% | 5,168 |
| Cost of funding earning assets | 0.4693% | 2,371 |
| Net interest margin | 2.8605% | 5,249 |
| Noninterest income to average assets | 0.3161% | 4,508 |
| Noninterest expense to average assets | 1.9530% | 5,292 |
| Loan and lease loss provision to assets | 0.1557% | 1,492 |
| Net operating income to assets | 0.9949% | 2,456 |
| Return on assets (ROA) | 1.0383% | 2,375 |
| Pretax return on assets | 1.0383% | 3,482 |
| Return on Equity (ROE) | 7.8215% | 3,105 |
| Retained earnings to average equity (ytd only) | 5.0773% | 2,774 |
| Net charge-offs to loans | 0.1272% | 1,687 |
| Credit loss provision to net charge-offs | 242.5000% | 1,224 |
| Earnings coverage of net charge-offs (x) | 17.9257% | 2,029 |
| Efficiency ratio | 62.9266% | 4,084 |
| Assets per employee ($millions) | 4.6634% | 2,815 |
| Cash dividends to net income (ytd only)* | 35.0849% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4646% | 1,912 |
| Loan loss allowance to noncurrent loans | 40.8098% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 1.8537% | 878 |
| Noncurrent loans to loans | 3.5887% | 347 |
| Net loans and leases to total assets | 50.8959% | 4,747 |
| Net loans and leases to deposits | 60.9989% | 4,687 |
| Net loans and leases to core deposits | 61.7858% | 4,848 |
| Total domestic deposits to total assets | 83.4374% | 3,433 |
| Equity capital to assets | 13.5355% | 1,232 |
| Core capital (leverage) ratio | 13.1908% | 1,116 |
| Tier 1 risk-based capital ratio | 24.0111% | 904 |
| Total risk-based capital ratio | 25.2623% | 879 |
| Memoranda: | ||
| Average total assets | $83,086,000 | 4,704 |
| Average earning assets | $80,963,500 | 4,604 |
| Average equity | $11,029,250 | 4,463 |
| Average total loans | $41,922,000 | 4,858 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3765% | 5,132 |
| Cost of funding earning assets | 0.4679% | 2,392 |
| Net interest margin | 2.9086% | 5,253 |
| Noninterest income to average assets | 0.3068% | 4,596 |
| Noninterest expense to average assets | 1.9638% | 5,343 |
| Loan and lease loss provision to assets | 0.0145% | 3,818 |
| Net operating income to assets | 1.1667% | 1,716 |
| Return on assets (ROA) | 1.2053% | 1,678 |
| Pretax return on assets | 1.2053% | 2,764 |
| Return on Equity (ROE) | 9.1406% | 2,436 |
| Retained earnings to average equity (ytd only) | 5.9899% | 2,120 |
| Net charge-offs to loans | -0.1882% | 5,799 |
| Credit loss provision to net charge-offs | -15.3846% | 4,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4424% | 4,277 |
| Assets per employee ($millions) | 4.2079% | 3,552 |
| Cash dividends to net income (ytd only)* | 34.4689% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 1,859 |
| Loan loss allowance to noncurrent loans | 44.2472% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 1.6730% | 1,081 |
| Noncurrent loans to loans | 3.3921% | 394 |
| Net loans and leases to total assets | 48.5812% | 4,943 |
| Net loans and leases to deposits | 58.9121% | 4,857 |
| Net loans and leases to core deposits | 59.6800% | 4,994 |
| Total domestic deposits to total assets | 82.4639% | 3,855 |
| Equity capital to assets | 13.3558% | 1,302 |
| Core capital (leverage) ratio | 13.6889% | 912 |
| Tier 1 risk-based capital ratio | 24.7947% | 830 |
| Total risk-based capital ratio | 26.0456% | 819 |
| Memoranda: | ||
| Average total assets | $82,800,670 | 4,746 |
| Average earning assets | $80,794,000 | 4,646 |
| Average equity | $10,918,330 | 4,507 |
| Average total loans | $41,443,330 | 4,916 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4605% | 4,980 |
| Cost of funding earning assets | 0.4794% | 2,281 |
| Net interest margin | 2.9811% | 5,160 |
| Noninterest income to average assets | 0.2825% | 4,695 |
| Noninterest expense to average assets | 1.9873% | 5,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2031% | 1,548 |
| Return on assets (ROA) | 1.2031% | 1,652 |
| Pretax return on assets | 1.2031% | 2,689 |
| Return on Equity (ROE) | 9.1843% | 2,325 |
| Retained earnings to average equity (ytd only) | 4.8338% | 3,045 |
| Net charge-offs to loans | -0.3477% | 5,955 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2901% | 4,405 |
| Assets per employee ($millions) | 4.1038% | 3,761 |
| Cash dividends to net income (ytd only)* | 47.3684% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5039% | 1,968 |
| Loan loss allowance to noncurrent loans | 54.4326% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 1.3743% | 1,532 |
| Noncurrent loans to loans | 2.7629% | 632 |
| Net loans and leases to total assets | 48.9948% | 4,890 |
| Net loans and leases to deposits | 61.2434% | 4,634 |
| Net loans and leases to core deposits | 62.3873% | 4,792 |
| Total domestic deposits to total assets | 80.0002% | 4,740 |
| Equity capital to assets | 13.2999% | 1,269 |
| Core capital (leverage) ratio | 13.0781% | 1,129 |
| Tier 1 risk-based capital ratio | 24.4282% | 874 |
| Total risk-based capital ratio | 25.6808% | 859 |
| Memoranda: | ||
| Average total assets | $82,122,000 | 4,812 |
| Average earning assets | $80,104,000 | 4,702 |
| Average equity | $10,757,500 | 4,548 |
| Average total loans | $41,411,000 | 4,963 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3396% | 5,275 |
| Cost of funding earning assets | 0.5110% | 2,059 |
| Net interest margin | 2.8286% | 5,466 |
| Noninterest income to average assets | 0.3095% | 4,676 |
| Noninterest expense to average assets | 2.0272% | 5,400 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0387% | 2,177 |
| Return on assets (ROA) | 1.1109% | 1,944 |
| Pretax return on assets | 1.1109% | 2,996 |
| Return on Equity (ROE) | 8.5372% | 2,701 |
| Retained earnings to average equity (ytd only) | 4.3438% | 2,887 |
| Net charge-offs to loans | 0.3778% | 764 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 5.6600% | 3,348 |
| Efficiency ratio | 66.1213% | 3,887 |
| Assets per employee ($millions) | 4.3246% | 3,348 |
| Cash dividends to net income (ytd only)* | 49.1189% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 2,529 |
| Loan loss allowance to noncurrent loans | 49.3595% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 1.4251% | 1,467 |
| Noncurrent loans to loans | 2.7884% | 618 |
| Net loans and leases to total assets | 50.4053% | 4,836 |
| Net loans and leases to deposits | 63.1376% | 4,532 |
| Net loans and leases to core deposits | 64.3161% | 4,720 |
| Total domestic deposits to total assets | 79.8340% | 4,784 |
| Equity capital to assets | 12.8992% | 1,400 |
| Core capital (leverage) ratio | 13.0812% | 1,116 |
| Tier 1 risk-based capital ratio | 23.2656% | 982 |
| Total risk-based capital ratio | 24.5148% | 971 |
| Memoranda: | ||
| Average total assets | $81,737,200 | 4,832 |
| Average earning assets | $79,650,800 | 4,724 |
| Average equity | $10,635,800 | 4,548 |
| Average total loans | $39,701,800 | 5,027 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2980% | 5,414 |
| Cost of funding earning assets | 0.5080% | 2,140 |
| Net interest margin | 2.7900% | 5,599 |
| Noninterest income to average assets | 0.3071% | 4,743 |
| Noninterest expense to average assets | 2.0254% | 5,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9996% | 2,470 |
| Return on assets (ROA) | 1.0960% | 2,109 |
| Pretax return on assets | 1.0960% | 3,242 |
| Return on Equity (ROE) | 8.4043% | 2,871 |
| Retained earnings to average equity (ytd only) | 7.1017% | 1,638 |
| Net charge-offs to loans | 0.3850% | 670 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 5.4160% | 3,204 |
| Efficiency ratio | 66.9546% | 3,720 |
| Assets per employee ($millions) | 4.7325% | 2,649 |
| Cash dividends to net income (ytd only)* | 15.4990% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 2,080 |
| Loan loss allowance to noncurrent loans | 49.3976% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 1.4615% | 1,541 |
| Noncurrent loans to loans | 3.0726% | 563 |
| Net loans and leases to total assets | 46.8451% | 5,163 |
| Net loans and leases to deposits | 59.1834% | 4,913 |
| Net loans and leases to core deposits | 60.2649% | 5,049 |
| Total domestic deposits to total assets | 79.1524% | 4,938 |
| Equity capital to assets | 12.6877% | 1,623 |
| Core capital (leverage) ratio | 12.8480% | 1,255 |
| Tier 1 risk-based capital ratio | 24.2986% | 915 |
| Total risk-based capital ratio | 25.5498% | 901 |
| Memoranda: | ||
| Average total assets | $81,629,500 | 4,889 |
| Average earning assets | $79,521,250 | 4,789 |
| Average equity | $10,645,000 | 4,598 |
| Average total loans | $39,128,500 | 5,101 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3198% | 5,398 |
| Cost of funding earning assets | 0.5027% | 2,225 |
| Net interest margin | 2.8171% | 5,579 |
| Noninterest income to average assets | 0.2983% | 4,822 |
| Noninterest expense to average assets | 2.0809% | 5,377 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9622% | 2,575 |
| Return on assets (ROA) | 1.0044% | 2,474 |
| Pretax return on assets | 1.0044% | 3,574 |
| Return on Equity (ROE) | 7.6294% | 3,249 |
| Retained earnings to average equity (ytd only) | 7.3839% | 1,530 |
| Net charge-offs to loans | 0.5897% | 406 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.3947% | 3,202 |
| Efficiency ratio | 68.3824% | 3,616 |
| Assets per employee ($millions) | 4.0908% | 3,701 |
| Cash dividends to net income (ytd only)* | 3.2178% | 3,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 1,979 |
| Loan loss allowance to noncurrent loans | 47.8566% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 1.5682% | 1,548 |
| Noncurrent loans to loans | 3.2954% | 555 |
| Net loans and leases to total assets | 46.8356% | 5,185 |
| Net loans and leases to deposits | 60.5317% | 4,807 |
| Net loans and leases to core deposits | 61.9678% | 4,946 |
| Total domestic deposits to total assets | 77.3736% | 5,394 |
| Equity capital to assets | 13.0573% | 1,373 |
| Core capital (leverage) ratio | 12.7648% | 1,272 |
| Tier 1 risk-based capital ratio | 25.0255% | 859 |
| Total risk-based capital ratio | 26.2786% | 845 |
| Memoranda: | ||
| Average total assets | $80,444,330 | 4,968 |
| Average earning assets | $78,378,670 | 4,862 |
| Average equity | $10,590,670 | 4,640 |
| Average total loans | $38,664,670 | 5,157 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4089% | 5,180 |
| Cost of funding earning assets | 0.5046% | 2,243 |
| Net interest margin | 2.9043% | 5,445 |
| Noninterest income to average assets | 0.2859% | 4,884 |
| Noninterest expense to average assets | 2.1114% | 5,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0030% | 2,257 |
| Return on assets (ROA) | 1.0030% | 2,390 |
| Pretax return on assets | 1.0030% | 3,488 |
| Return on Equity (ROE) | 7.5869% | 3,174 |
| Retained earnings to average equity (ytd only) | 7.5869% | 1,728 |
| Net charge-offs to loans | 1.1835% | 187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.7544% | 2,871 |
| Efficiency ratio | 67.7939% | 3,858 |
| Assets per employee ($millions) | 4.2072% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6235% | 1,961 |
| Loan loss allowance to noncurrent loans | 52.5685% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 1.4612% | 1,802 |
| Noncurrent loans to loans | 3.0883% | 678 |
| Net loans and leases to total assets | 46.5442% | 5,160 |
| Net loans and leases to deposits | 57.2497% | 4,965 |
| Net loans and leases to core deposits | 58.5728% | 5,084 |
| Total domestic deposits to total assets | 81.3003% | 4,734 |
| Equity capital to assets | 13.3818% | 1,227 |
| Core capital (leverage) ratio | 12.8880% | 1,197 |
| Tier 1 risk-based capital ratio | 25.0610% | 883 |
| Total risk-based capital ratio | 26.3125% | 862 |
| Memoranda: | ||
| Average total assets | $79,758,500 | 5,028 |
| Average earning assets | $77,678,000 | 4,928 |
| Average equity | $10,544,500 | 4,687 |
| Average total loans | $38,530,500 | 5,195 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4647% | 5,408 |
| Cost of funding earning assets | 0.5560% | 2,163 |
| Net interest margin | 2.9087% | 5,626 |
| Noninterest income to average assets | 0.3622% | 4,501 |
| Noninterest expense to average assets | 2.0679% | 5,641 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1267% | 1,877 |
| Return on assets (ROA) | 1.2082% | 1,618 |
| Pretax return on assets | 1.2082% | 2,621 |
| Return on Equity (ROE) | 9.3621% | 2,412 |
| Retained earnings to average equity (ytd only) | 0.4079% | 5,591 |
| Net charge-offs to loans | 0.0800% | 3,346 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 29.9667% | 1,335 |
| Efficiency ratio | 64.7313% | 4,451 |
| Assets per employee ($millions) | 4.1884% | 3,567 |
| Cash dividends to net income (ytd only)* | 95.6432% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8552% | 1,410 |
| Loan loss allowance to noncurrent loans | 73.0924% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 1.2516% | 2,252 |
| Noncurrent loans to loans | 2.5382% | 999 |
| Net loans and leases to total assets | 48.3953% | 5,120 |
| Net loans and leases to deposits | 59.3750% | 4,954 |
| Net loans and leases to core deposits | 60.7480% | 5,080 |
| Total domestic deposits to total assets | 81.5079% | 4,594 |
| Equity capital to assets | 13.0586% | 1,345 |
| Core capital (leverage) ratio | 12.7470% | 1,229 |
| Tier 1 risk-based capital ratio | 24.0861% | 941 |
| Total risk-based capital ratio | 25.3244% | 925 |
| Memoranda: | ||
| Average total assets | $79,790,600 | 5,066 |
| Average earning assets | $77,697,200 | 4,932 |
| Average equity | $10,296,800 | 4,691 |
| Average total loans | $37,488,200 | 5,278 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4624% | 5,463 |
| Cost of funding earning assets | 0.5594% | 2,200 |
| Net interest margin | 2.9031% | 5,693 |
| Noninterest income to average assets | 0.3590% | 4,563 |
| Noninterest expense to average assets | 2.0072% | 5,761 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1773% | 1,763 |
| Return on assets (ROA) | 1.2858% | 1,467 |
| Pretax return on assets | 1.2858% | 2,432 |
| Return on Equity (ROE) | 9.9936% | 2,221 |
| Retained earnings to average equity (ytd only) | 8.4881% | 1,152 |
| Net charge-offs to loans | -0.0540% | 5,937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0309% | 4,719 |
| Assets per employee ($millions) | 4.5764% | 2,843 |
| Cash dividends to net income (ytd only)* | 15.0647% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9975% | 1,266 |
| Loan loss allowance to noncurrent loans | 88.3429% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 1.0622% | 2,834 |
| Noncurrent loans to loans | 2.2610% | 1,331 |
| Net loans and leases to total assets | 46.0401% | 5,372 |
| Net loans and leases to deposits | 54.9127% | 5,314 |
| Net loans and leases to core deposits | 55.8952% | 5,456 |
| Total domestic deposits to total assets | 83.8424% | 3,818 |
| Equity capital to assets | 13.0657% | 1,394 |
| Core capital (leverage) ratio | 13.4204% | 1,024 |
| Tier 1 risk-based capital ratio | 25.7682% | 809 |
| Total risk-based capital ratio | 27.0251% | 787 |
| Memoranda: | ||
| Average total assets | $79,843,250 | 5,127 |
| Average earning assets | $77,708,000 | 4,987 |
| Average equity | $10,273,000 | 4,733 |
| Average total loans | $37,050,000 | 5,343 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4667% | 5,484 |
| Cost of funding earning assets | 0.5674% | 2,188 |
| Net interest margin | 2.8994% | 5,735 |
| Noninterest income to average assets | 0.3570% | 4,563 |
| Noninterest expense to average assets | 2.0177% | 5,811 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1595% | 1,721 |
| Return on assets (ROA) | 1.1595% | 1,795 |
| Pretax return on assets | 1.1595% | 2,833 |
| Return on Equity (ROE) | 9.0606% | 2,561 |
| Retained earnings to average equity (ytd only) | 6.7658% | 1,892 |
| Net charge-offs to loans | -0.0986% | 6,140 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5060% | 4,768 |
| Assets per employee ($millions) | 4.3623% | 3,156 |
| Cash dividends to net income (ytd only)* | 25.3275% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1113% | 1,158 |
| Loan loss allowance to noncurrent loans | 85.0877% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 1.1615% | 2,757 |
| Noncurrent loans to loans | 2.4813% | 1,254 |
| Net loans and leases to total assets | 45.8209% | 5,378 |
| Net loans and leases to deposits | 55.0483% | 5,278 |
| Net loans and leases to core deposits | 56.1006% | 5,404 |
| Total domestic deposits to total assets | 83.2376% | 4,216 |
| Equity capital to assets | 13.5480% | 1,141 |
| Core capital (leverage) ratio | 13.1986% | 1,088 |
| Tier 1 risk-based capital ratio | 25.7133% | 805 |
| Total risk-based capital ratio | 26.9705% | 784 |
| Memoranda: | ||
| Average total assets | $78,999,000 | 5,180 |
| Average earning assets | $76,844,670 | 5,049 |
| Average equity | $10,109,670 | 4,778 |
| Average total loans | $36,500,330 | 5,396 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4595% | 5,525 |
| Cost of funding earning assets | 0.5766% | 2,185 |
| Net interest margin | 2.8829% | 5,784 |
| Noninterest income to average assets | 0.2928% | 5,032 |
| Noninterest expense to average assets | 2.0596% | 5,768 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0349% | 2,067 |
| Return on assets (ROA) | 1.0349% | 2,140 |
| Pretax return on assets | 1.0349% | 3,192 |
| Return on Equity (ROE) | 8.3287% | 2,779 |
| Retained earnings to average equity (ytd only) | 5.9723% | 2,561 |
| Net charge-offs to loans | -0.2749% | 6,461 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5579% | 4,436 |
| Assets per employee ($millions) | 3.9962% | 3,958 |
| Cash dividends to net income (ytd only)* | 28.2927% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2213% | 1,127 |
| Loan loss allowance to noncurrent loans | 79.4924% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 1.2324% | 2,793 |
| Noncurrent loans to loans | 2.7943% | 1,193 |
| Net loans and leases to total assets | 43.1247% | 5,584 |
| Net loans and leases to deposits | 51.1767% | 5,506 |
| Net loans and leases to core deposits | 52.1264% | 5,610 |
| Total domestic deposits to total assets | 84.2663% | 4,176 |
| Equity capital to assets | 12.5019% | 1,577 |
| Core capital (leverage) ratio | 12.9695% | 1,177 |
| Tier 1 risk-based capital ratio | 24.8021% | 912 |
| Total risk-based capital ratio | 25.9871% | 897 |
| Memoranda: | ||
| Average total assets | $79,238,000 | 5,221 |
| Average earning assets | $77,005,000 | 5,092 |
| Average equity | $9,845,500 | 4,858 |
| Average total loans | $36,373,000 | 5,448 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2842% | 6,020 |
| Cost of funding earning assets | 0.6602% | 2,120 |
| Net interest margin | 2.6240% | 6,237 |
| Noninterest income to average assets | 0.2668% | 5,438 |
| Noninterest expense to average assets | 2.0189% | 5,998 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7741% | 3,425 |
| Return on assets (ROA) | 0.9377% | 2,694 |
| Pretax return on assets | 0.9377% | 3,606 |
| Return on Equity (ROE) | 7.4631% | 3,313 |
| Retained earnings to average equity (ytd only) | 2.3942% | 4,542 |
| Net charge-offs to loans | 0.0172% | 5,103 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 102.5000% | 458 |
| Efficiency ratio | 72.2848% | 3,421 |
| Assets per employee ($millions) | 3.9276% | 4,008 |
| Cash dividends to net income (ytd only)* | 67.9195% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0215% | 1,502 |
| Loan loss allowance to noncurrent loans | 73.2367% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 1.3176% | 2,783 |
| Noncurrent loans to loans | 2.7603% | 1,294 |
| Net loans and leases to total assets | 46.7690% | 5,413 |
| Net loans and leases to deposits | 55.4980% | 5,352 |
| Net loans and leases to core deposits | 56.5435% | 5,491 |
| Total domestic deposits to total assets | 84.2716% | 4,063 |
| Equity capital to assets | 12.3472% | 1,595 |
| Core capital (leverage) ratio | 12.5463% | 1,333 |
| Tier 1 risk-based capital ratio | 24.0955% | 940 |
| Total risk-based capital ratio | 25.3491% | 931 |
| Memoranda: | ||
| Average total assets | $79,450,800 | 5,249 |
| Average earning assets | $76,486,400 | 5,134 |
| Average equity | $9,982,400 | 4,850 |
| Average total loans | $34,798,400 | 5,547 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2113% | 6,182 |
| Cost of funding earning assets | 0.6695% | 2,179 |
| Net interest margin | 2.5418% | 6,393 |
| Noninterest income to average assets | 0.2527% | 5,626 |
| Noninterest expense to average assets | 1.9730% | 6,061 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7196% | 3,755 |
| Return on assets (ROA) | 0.9154% | 2,858 |
| Pretax return on assets | 0.9154% | 3,813 |
| Return on Equity (ROE) | 7.2546% | 3,514 |
| Retained earnings to average equity (ytd only) | 3.6206% | 4,115 |
| Net charge-offs to loans | 0.0156% | 4,822 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 107.5647% | 472 |
| Efficiency ratio | 73.2753% | 3,178 |
| Assets per employee ($millions) | 3.9968% | 3,834 |
| Cash dividends to net income (ytd only)* | 50.0905% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0892% | 1,532 |
| Loan loss allowance to noncurrent loans | 73.4300% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 1.2948% | 3,062 |
| Noncurrent loans to loans | 2.8452% | 1,453 |
| Net loans and leases to total assets | 44.5569% | 5,677 |
| Net loans and leases to deposits | 52.7245% | 5,656 |
| Net loans and leases to core deposits | 53.7040% | 5,786 |
| Total domestic deposits to total assets | 84.5089% | 3,972 |
| Equity capital to assets | 12.2010% | 1,783 |
| Core capital (leverage) ratio | 12.5884% | 1,377 |
| Tier 1 risk-based capital ratio | 24.4415% | 939 |
| Total risk-based capital ratio | 25.6992% | 922 |
| Memoranda: | ||
| Average total assets | $79,675,500 | 5,295 |
| Average earning assets | $76,478,250 | 5,182 |
| Average equity | $10,053,250 | 4,889 |
| Average total loans | $34,124,000 | 5,634 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1674% | 6,271 |
| Cost of funding earning assets | 0.6913% | 2,133 |
| Net interest margin | 2.4761% | 6,470 |
| Noninterest income to average assets | 0.2362% | 5,754 |
| Noninterest expense to average assets | 1.9827% | 6,079 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6207% | 4,193 |
| Return on assets (ROA) | 0.8594% | 3,146 |
| Pretax return on assets | 0.8594% | 4,069 |
| Return on Equity (ROE) | 6.7367% | 3,750 |
| Retained earnings to average equity (ytd only) | 2.4819% | 4,724 |
| Net charge-offs to loans | 0.0060% | 4,770 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 247.0000% | 211 |
| Efficiency ratio | 76.1583% | 2,759 |
| Assets per employee ($millions) | 3.9376% | 3,941 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2070% | 1,407 |
| Loan loss allowance to noncurrent loans | 80.2313% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.2076% | 3,330 |
| Noncurrent loans to loans | 2.7508% | 1,652 |
| Net loans and leases to total assets | 42.9315% | 5,827 |
| Net loans and leases to deposits | 50.9532% | 5,775 |
| Net loans and leases to core deposits | 52.1551% | 5,878 |
| Total domestic deposits to total assets | 84.2567% | 4,216 |
| Equity capital to assets | 12.4202% | 1,626 |
| Core capital (leverage) ratio | 12.7334% | 1,272 |
| Tier 1 risk-based capital ratio | 25.2789% | 845 |
| Total risk-based capital ratio | 26.5381% | 824 |
| Memoranda: | ||
| Average total assets | $79,588,670 | 5,331 |
| Average earning assets | $76,087,330 | 5,224 |
| Average equity | $10,153,330 | 4,898 |
| Average total loans | $33,373,000 | 5,693 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1051% | 6,392 |
| Cost of funding earning assets | 0.7129% | 2,110 |
| Net interest margin | 2.3922% | 6,607 |
| Noninterest income to average assets | 0.2250% | 5,858 |
| Noninterest expense to average assets | 2.0248% | 6,053 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4650% | 4,854 |
| Return on assets (ROA) | 0.4800% | 4,937 |
| Pretax return on assets | 0.4800% | 5,322 |
| Return on Equity (ROE) | 3.7139% | 5,233 |
| Retained earnings to average equity (ytd only) | -2.3986% | 6,123 |
| Net charge-offs to loans | -0.0366% | 5,986 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3253% | 2,147 |
| Assets per employee ($millions) | 4.2063% | 3,523 |
| Cash dividends to net income (ytd only)* | 164.5833% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3740% | 1,289 |
| Loan loss allowance to noncurrent loans | 63.0238% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 1.7543% | 2,661 |
| Noncurrent loans to loans | 3.7668% | 1,231 |
| Net loans and leases to total assets | 39.4670% | 6,037 |
| Net loans and leases to deposits | 47.0390% | 5,987 |
| Net loans and leases to core deposits | 48.1366% | 6,091 |
| Total domestic deposits to total assets | 83.9027% | 4,520 |
| Equity capital to assets | 12.8541% | 1,500 |
| Core capital (leverage) ratio | 12.3662% | 1,395 |
| Tier 1 risk-based capital ratio | 26.0551% | 777 |
| Total risk-based capital ratio | 27.3144% | 766 |
| Memoranda: | ||
| Average total assets | $80,007,500 | 5,366 |
| Average earning assets | $75,747,000 | 5,276 |
| Average equity | $10,339,500 | 4,921 |
| Average total loans | $32,773,500 | 5,762 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6190% | 6,194 |
| Cost of funding earning assets | 0.8322% | 2,410 |
| Net interest margin | 2.7869% | 6,394 |
| Noninterest income to average assets | 0.2856% | 5,431 |
| Noninterest expense to average assets | 1.9353% | 6,449 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0311% | 2,207 |
| Return on assets (ROA) | 1.0016% | 2,552 |
| Pretax return on assets | 1.0016% | 3,544 |
| Return on Equity (ROE) | 7.5045% | 3,337 |
| Retained earnings to average equity (ytd only) | 3.4260% | 3,815 |
| Net charge-offs to loans | 0.0556% | 5,155 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 44.7222% | 733 |
| Efficiency ratio | 65.2418% | 4,660 |
| Assets per employee ($millions) | 4.2155% | 3,520 |
| Cash dividends to net income (ytd only)* | 54.3478% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2986% | 1,373 |
| Loan loss allowance to noncurrent loans | 52.6533% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 2.0438% | 2,399 |
| Noncurrent loans to loans | 4.3655% | 997 |
| Net loans and leases to total assets | 40.5444% | 6,138 |
| Net loans and leases to deposits | 48.4340% | 6,079 |
| Net loans and leases to core deposits | 49.5620% | 6,171 |
| Total domestic deposits to total assets | 83.7106% | 4,439 |
| Equity capital to assets | 12.9921% | 1,459 |
| Core capital (leverage) ratio | 12.5788% | 1,292 |
| Tier 1 risk-based capital ratio | 25.7210% | 791 |
| Total risk-based capital ratio | 26.9822% | 785 |
| Memoranda: | ||
| Average total assets | $78,075,400 | 5,407 |
| Average earning assets | $75,102,600 | 5,273 |
| Average equity | $10,420,400 | 4,885 |
| Average total loans | $32,363,600 | 5,833 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6663% | 6,289 |
| Cost of funding earning assets | 0.8495% | 2,543 |
| Net interest margin | 2.8168% | 6,475 |
| Noninterest income to average assets | 0.2664% | 5,648 |
| Noninterest expense to average assets | 1.9337% | 6,469 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0743% | 2,195 |
| Return on assets (ROA) | 1.0450% | 2,521 |
| Pretax return on assets | 1.0450% | 3,553 |
| Return on Equity (ROE) | 7.7768% | 3,379 |
| Retained earnings to average equity (ytd only) | 5.3337% | 3,135 |
| Net charge-offs to loans | 0.0498% | 4,959 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 52.0819% | 732 |
| Efficiency ratio | 64.2857% | 4,763 |
| Assets per employee ($millions) | 4.1859% | 3,504 |
| Cash dividends to net income (ytd only)* | 31.4143% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3287% | 1,465 |
| Loan loss allowance to noncurrent loans | 56.2454% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 1.9627% | 2,698 |
| Noncurrent loans to loans | 4.1403% | 1,208 |
| Net loans and leases to total assets | 40.6058% | 6,235 |
| Net loans and leases to deposits | 48.7877% | 6,205 |
| Net loans and leases to core deposits | 49.6701% | 6,299 |
| Total domestic deposits to total assets | 83.2296% | 4,552 |
| Equity capital to assets | 13.4699% | 1,359 |
| Core capital (leverage) ratio | 12.5364% | 1,391 |
| Tier 1 risk-based capital ratio | 26.3783% | 794 |
| Total risk-based capital ratio | 27.6240% | 778 |
| Memoranda: | ||
| Average total assets | $77,570,500 | 5,472 |
| Average earning assets | $75,496,500 | 5,310 |
| Average equity | $10,424,000 | 4,935 |
| Average total loans | $32,145,000 | 5,920 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7948% | 6,155 |
| Cost of funding earning assets | 0.8786% | 2,577 |
| Net interest margin | 2.9162% | 6,402 |
| Noninterest income to average assets | 0.2626% | 5,702 |
| Noninterest expense to average assets | 1.9944% | 6,447 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1077% | 2,018 |
| Return on assets (ROA) | 0.9985% | 2,695 |
| Pretax return on assets | 0.9985% | 3,716 |
| Return on Equity (ROE) | 7.4363% | 3,555 |
| Retained earnings to average equity (ytd only) | 4.8801% | 3,344 |
| Net charge-offs to loans | 0.0126% | 5,276 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 213.0000% | 209 |
| Efficiency ratio | 64.2917% | 4,843 |
| Assets per employee ($millions) | 3.9955% | 3,893 |
| Cash dividends to net income (ytd only)* | 34.3750% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4196% | 1,386 |
| Loan loss allowance to noncurrent loans | 61.3690% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 1.9048% | 2,899 |
| Noncurrent loans to loans | 3.9427% | 1,410 |
| Net loans and leases to total assets | 41.4371% | 6,238 |
| Net loans and leases to deposits | 50.0565% | 6,179 |
| Net loans and leases to core deposits | 51.3031% | 6,283 |
| Total domestic deposits to total assets | 82.7807% | 4,834 |
| Equity capital to assets | 13.7838% | 1,183 |
| Core capital (leverage) ratio | 12.5925% | 1,313 |
| Tier 1 risk-based capital ratio | 26.6126% | 760 |
| Total risk-based capital ratio | 27.8745% | 750 |
| Memoranda: | ||
| Average total assets | $76,916,330 | 5,524 |
| Average earning assets | $74,892,330 | 5,361 |
| Average equity | $10,327,670 | 4,958 |
| Average total loans | $31,838,330 | 5,971 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8175% | 6,209 |
| Cost of funding earning assets | 0.8814% | 2,828 |
| Net interest margin | 2.9361% | 6,421 |
| Noninterest income to average assets | 0.2583% | 5,796 |
| Noninterest expense to average assets | 2.0047% | 6,451 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1038% | 2,068 |
| Return on assets (ROA) | 0.9197% | 3,038 |
| Pretax return on assets | 0.9249% | 3,951 |
| Return on Equity (ROE) | 6.9399% | 3,817 |
| Retained earnings to average equity (ytd only) | 4.0548% | 4,158 |
| Net charge-offs to loans | -0.0126% | 6,019 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3449% | 4,861 |
| Assets per employee ($millions) | 3.7164% | 4,621 |
| Cash dividends to net income (ytd only)* | 41.5730% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5130% | 1,337 |
| Loan loss allowance to noncurrent loans | 107.5653% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 1.1724% | 4,172 |
| Noncurrent loans to loans | 2.3363% | 2,768 |
| Net loans and leases to total assets | 38.8699% | 6,431 |
| Net loans and leases to deposits | 46.5776% | 6,385 |
| Net loans and leases to core deposits | 47.4267% | 6,487 |
| Total domestic deposits to total assets | 83.4519% | 4,729 |
| Equity capital to assets | 13.2193% | 1,350 |
| Core capital (leverage) ratio | 12.4680% | 1,353 |
| Tier 1 risk-based capital ratio | 26.5121% | 762 |
| Total risk-based capital ratio | 27.7746% | 749 |
| Memoranda: | ||
| Average total assets | $77,417,000 | 5,546 |
| Average earning assets | $75,338,000 | 5,387 |
| Average equity | $10,259,500 | 4,984 |
| Average total loans | $31,639,000 | 6,031 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2867% | 5,797 |
| Cost of funding earning assets | 1.0635% | 2,927 |
| Net interest margin | 3.2232% | 6,029 |
| Noninterest income to average assets | 0.2875% | 5,480 |
| Noninterest expense to average assets | 2.1353% | 6,418 |
| Loan and lease loss provision to assets | 0.0897% | 5,462 |
| Net operating income to assets | 1.1693% | 1,607 |
| Return on assets (ROA) | 1.1421% | 1,806 |
| Pretax return on assets | 1.1646% | 2,596 |
| Return on Equity (ROE) | 8.6742% | 2,597 |
| Retained earnings to average equity (ytd only) | 4.0967% | 3,275 |
| Net charge-offs to loans | -0.1280% | 7,164 |
| Credit loss provision to net charge-offs | -158.1395% | 6,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4855% | 5,382 |
| Assets per employee ($millions) | 3.8395% | 4,226 |
| Cash dividends to net income (ytd only)* | 52.7714% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4285% | 1,410 |
| Loan loss allowance to noncurrent loans | 57.4687% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 1.7698% | 3,300 |
| Noncurrent loans to loans | 4.2257% | 1,450 |
| Net loans and leases to total assets | 40.8639% | 6,479 |
| Net loans and leases to deposits | 49.5382% | 6,393 |
| Net loans and leases to core deposits | 50.2337% | 6,519 |
| Total domestic deposits to total assets | 82.4897% | 4,968 |
| Equity capital to assets | 13.2858% | 1,367 |
| Core capital (leverage) ratio | 12.4235% | 1,379 |
| Tier 1 risk-based capital ratio | 26.0469% | 774 |
| Total risk-based capital ratio | 27.3090% | 762 |
| Memoranda: | ||
| Average total assets | $75,822,000 | 5,575 |
| Average earning assets | $73,623,200 | 5,413 |
| Average equity | $9,983,600 | 5,025 |
| Average total loans | $33,596,800 | 5,974 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3674% | 5,717 |
| Cost of funding earning assets | 1.0814% | 3,105 |
| Net interest margin | 3.2860% | 5,899 |
| Noninterest income to average assets | 0.2840% | 5,575 |
| Noninterest expense to average assets | 2.1310% | 6,452 |
| Loan and lease loss provision to assets | 0.0935% | 5,294 |
| Net operating income to assets | 1.2255% | 1,586 |
| Return on assets (ROA) | 1.1996% | 1,766 |
| Pretax return on assets | 1.2225% | 2,551 |
| Return on Equity (ROE) | 9.1312% | 2,544 |
| Retained earnings to average equity (ytd only) | 7.7884% | 1,597 |
| Net charge-offs to loans | -0.2081% | 7,267 |
| Credit loss provision to net charge-offs | -100.0000% | 6,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3509% | 5,510 |
| Assets per employee ($millions) | 3.8291% | 4,239 |
| Cash dividends to net income (ytd only)* | 14.7059% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3137% | 1,666 |
| Loan loss allowance to noncurrent loans | 46.3284% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 2.1872% | 2,917 |
| Noncurrent loans to loans | 4.9940% | 1,247 |
| Net loans and leases to total assets | 42.7829% | 6,442 |
| Net loans and leases to deposits | 52.1296% | 6,352 |
| Net loans and leases to core deposits | 53.1866% | 6,499 |
| Total domestic deposits to total assets | 82.0702% | 5,066 |
| Equity capital to assets | 13.7160% | 1,278 |
| Core capital (leverage) ratio | 12.3747% | 1,496 |
| Tier 1 risk-based capital ratio | 26.2417% | 810 |
| Total risk-based capital ratio | 27.5232% | 787 |
| Memoranda: | ||
| Average total assets | $75,580,250 | 5,627 |
| Average earning assets | $73,359,250 | 5,467 |
| Average equity | $9,929,000 | 5,052 |
| Average total loans | $33,956,000 | 6,022 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3909% | 5,728 |
| Cost of funding earning assets | 1.0861% | 3,343 |
| Net interest margin | 3.3048% | 5,842 |
| Noninterest income to average assets | 0.2685% | 5,726 |
| Noninterest expense to average assets | 2.1343% | 6,531 |
| Loan and lease loss provision to assets | 0.1010% | 5,050 |
| Net operating income to assets | 1.2190% | 1,514 |
| Return on assets (ROA) | 1.1722% | 1,736 |
| Pretax return on assets | 1.1961% | 2,500 |
| Return on Equity (ROE) | 9.0579% | 2,486 |
| Retained earnings to average equity (ytd only) | 7.5996% | 1,616 |
| Net charge-offs to loans | -0.3344% | 7,356 |
| Credit loss provision to net charge-offs | -66.6667% | 6,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3445% | 5,680 |
| Assets per employee ($millions) | 3.7839% | 4,248 |
| Cash dividends to net income (ytd only)* | 16.0998% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3488% | 1,664 |
| Loan loss allowance to noncurrent loans | 62.0942% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 1.6279% | 3,745 |
| Noncurrent loans to loans | 3.7826% | 1,850 |
| Net loans and leases to total assets | 42.0267% | 6,592 |
| Net loans and leases to deposits | 51.1096% | 6,526 |
| Net loans and leases to core deposits | 52.0898% | 6,659 |
| Total domestic deposits to total assets | 82.2287% | 5,086 |
| Equity capital to assets | 13.4042% | 1,339 |
| Core capital (leverage) ratio | 12.3839% | 1,412 |
| Tier 1 risk-based capital ratio | 25.5991% | 842 |
| Total risk-based capital ratio | 26.8581% | 825 |
| Memoranda: | ||
| Average total assets | $75,246,330 | 5,681 |
| Average earning assets | $73,105,670 | 5,522 |
| Average equity | $9,737,330 | 5,110 |
| Average total loans | $34,094,670 | 6,066 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3800% | 5,761 |
| Cost of funding earning assets | 1.1101% | 3,458 |
| Net interest margin | 3.2699% | 5,878 |
| Noninterest income to average assets | 0.2772% | 5,687 |
| Noninterest expense to average assets | 2.2338% | 6,346 |
| Loan and lease loss provision to assets | 0.1226% | 4,470 |
| Net operating income to assets | 1.0705% | 1,946 |
| Return on assets (ROA) | 1.0183% | 2,169 |
| Pretax return on assets | 1.0396% | 2,989 |
| Return on Equity (ROE) | 8.0134% | 2,907 |
| Retained earnings to average equity (ytd only) | 6.7967% | 2,237 |
| Net charge-offs to loans | -0.0803% | 7,022 |
| Credit loss provision to net charge-offs | -328.5714% | 5,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7604% | 5,223 |
| Assets per employee ($millions) | 4.1963% | 3,464 |
| Cash dividends to net income (ytd only)* | 15.1832% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1279% | 2,121 |
| Loan loss allowance to noncurrent loans | 40.8401% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 2.2692% | 2,982 |
| Noncurrent loans to loans | 5.2104% | 1,276 |
| Net loans and leases to total assets | 42.6251% | 6,566 |
| Net loans and leases to deposits | 51.4798% | 6,516 |
| Net loans and leases to core deposits | 52.4621% | 6,655 |
| Total domestic deposits to total assets | 82.7996% | 4,996 |
| Equity capital to assets | 12.8381% | 1,456 |
| Core capital (leverage) ratio | 12.2040% | 1,455 |
| Tier 1 risk-based capital ratio | 24.3454% | 941 |
| Total risk-based capital ratio | 25.6035% | 924 |
| Memoranda: | ||
| Average total assets | $75,030,500 | 5,729 |
| Average earning assets | $72,785,500 | 5,578 |
| Average equity | $9,534,000 | 5,164 |
| Average total loans | $34,857,000 | 6,088 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8778% | 5,125 |
| Cost of funding earning assets | 1.3732% | 3,439 |
| Net interest margin | 3.5046% | 5,229 |
| Noninterest income to average assets | 0.3747% | 5,098 |
| Noninterest expense to average assets | 2.8734% | 4,339 |
| Loan and lease loss provision to assets | 0.2718% | 4,632 |
| Net operating income to assets | 0.5844% | 3,738 |
| Return on assets (ROA) | 0.3962% | 4,697 |
| Pretax return on assets | 0.4205% | 4,882 |
| Return on Equity (ROE) | 2.8908% | 4,998 |
| Retained earnings to average equity (ytd only) | -0.7723% | 5,762 |
| Net charge-offs to loans | 0.1632% | 5,358 |
| Credit loss provision to net charge-offs | 316.6667% | 824 |
| Earnings coverage of net charge-offs (x) | 10.4000% | 1,708 |
| Efficiency ratio | 76.3008% | 3,005 |
| Assets per employee ($millions) | 3.9225% | 3,959 |
| Cash dividends to net income (ytd only)* | 126.7148% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8198% | 2,802 |
| Loan loss allowance to noncurrent loans | 39.0215% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 2.3038% | 2,968 |
| Noncurrent loans to loans | 4.6635% | 1,498 |
| Net loans and leases to total assets | 48.5026% | 6,337 |
| Net loans and leases to deposits | 58.6818% | 6,189 |
| Net loans and leases to core deposits | 60.1875% | 6,377 |
| Total domestic deposits to total assets | 82.6535% | 4,949 |
| Equity capital to assets | 12.5738% | 1,588 |
| Core capital (leverage) ratio | 12.0930% | 1,485 |
| Tier 1 risk-based capital ratio | 21.9533% | 1,182 |
| Total risk-based capital ratio | 23.2066% | 1,154 |
| Memoranda: | ||
| Average total assets | $69,916,800 | 5,891 |
| Average earning assets | $67,653,600 | 5,752 |
| Average equity | $9,582,000 | 5,241 |
| Average total loans | $36,756,800 | 6,077 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9726% | 4,935 |
| Cost of funding earning assets | 1.4001% | 3,585 |
| Net interest margin | 3.5725% | 5,003 |
| Noninterest income to average assets | 0.3451% | 5,405 |
| Noninterest expense to average assets | 3.0442% | 3,598 |
| Loan and lease loss provision to assets | 0.1318% | 5,710 |
| Net operating income to assets | 0.5947% | 3,893 |
| Return on assets (ROA) | 0.5351% | 4,333 |
| Pretax return on assets | 0.5604% | 4,722 |
| Return on Equity (ROE) | 3.8194% | 4,866 |
| Retained earnings to average equity (ytd only) | 1.2040% | 5,331 |
| Net charge-offs to loans | 0.2758% | 4,293 |
| Credit loss provision to net charge-offs | 89.4737% | 4,790 |
| Earnings coverage of net charge-offs (x) | 5.1184% | 2,843 |
| Efficiency ratio | 80.1429% | 2,317 |
| Assets per employee ($millions) | 3.6466% | 4,626 |
| Cash dividends to net income (ytd only)* | 68.4774% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 4,219 |
| Loan loss allowance to noncurrent loans | 35.1155% | 5,987 |
| Noncurrent assets plus other real estate owned to assets | 2.0773% | 3,366 |
| Noncurrent loans to loans | 4.1218% | 1,791 |
| Net loans and leases to total assets | 49.6682% | 6,357 |
| Net loans and leases to deposits | 57.6311% | 6,490 |
| Net loans and leases to core deposits | 59.0872% | 6,663 |
| Total domestic deposits to total assets | 86.1830% | 2,985 |
| Equity capital to assets | 13.2315% | 1,483 |
| Core capital (leverage) ratio | 13.0051% | 1,228 |
| Tier 1 risk-based capital ratio | 22.4445% | 1,142 |
| Total risk-based capital ratio | 23.6939% | 1,111 |
| Memoranda: | ||
| Average total assets | $68,764,000 | 5,979 |
| Average earning assets | $66,469,250 | 5,848 |
| Average equity | $9,634,750 | 5,309 |
| Average total loans | $36,741,500 | 6,160 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0759% | 4,584 |
| Cost of funding earning assets | 1.4183% | 3,759 |
| Net interest margin | 3.6576% | 4,549 |
| Noninterest income to average assets | 0.3117% | 5,675 |
| Noninterest expense to average assets | 3.5562% | 1,894 |
| Loan and lease loss provision to assets | 0.1336% | 5,551 |
| Net operating income to assets | 0.1336% | 5,776 |
| Return on assets (ROA) | 0.1098% | 5,945 |
| Pretax return on assets | 0.1365% | 5,910 |
| Return on Equity (ROE) | 0.7685% | 6,016 |
| Retained earnings to average equity (ytd only) | -1.8277% | 6,117 |
| Net charge-offs to loans | 0.3430% | 3,631 |
| Credit loss provision to net charge-offs | 71.4286% | 4,927 |
| Earnings coverage of net charge-offs (x) | 1.6032% | 4,292 |
| Efficiency ratio | 92.2248% | 1,174 |
| Assets per employee ($millions) | 3.6436% | 4,604 |
| Cash dividends to net income (ytd only)* | 337.8378% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4381% | 4,246 |
| Loan loss allowance to noncurrent loans | 27.5171% | 6,514 |
| Noncurrent assets plus other real estate owned to assets | 2.7402% | 2,641 |
| Noncurrent loans to loans | 5.2263% | 1,303 |
| Net loans and leases to total assets | 51.6771% | 6,247 |
| Net loans and leases to deposits | 60.4256% | 6,376 |
| Net loans and leases to core deposits | 61.6630% | 6,576 |
| Total domestic deposits to total assets | 85.5218% | 3,362 |
| Equity capital to assets | 13.8903% | 1,210 |
| Core capital (leverage) ratio | 13.4258% | 1,085 |
| Tier 1 risk-based capital ratio | 22.4874% | 1,124 |
| Total risk-based capital ratio | 23.7409% | 1,106 |
| Memoranda: | ||
| Average total assets | $67,374,670 | 6,056 |
| Average earning assets | $65,288,670 | 5,917 |
| Average equity | $9,629,670 | 5,306 |
| Average total loans | $36,736,670 | 6,208 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2678% | 3,696 |
| Cost of funding earning assets | 1.4304% | 3,989 |
| Net interest margin | 3.8373% | 3,635 |
| Noninterest income to average assets | 0.2769% | 5,935 |
| Noninterest expense to average assets | 2.5885% | 5,398 |
| Loan and lease loss provision to assets | 0.1385% | 5,170 |
| Net operating income to assets | 1.2395% | 1,433 |
| Return on assets (ROA) | 1.2100% | 1,587 |
| Pretax return on assets | 1.2340% | 2,252 |
| Return on Equity (ROE) | 8.3433% | 2,718 |
| Retained earnings to average equity (ytd only) | 5.8943% | 2,667 |
| Net charge-offs to loans | 0.0216% | 5,275 |
| Credit loss provision to net charge-offs | 1,150.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 116.5000% | 279 |
| Efficiency ratio | 64.8567% | 5,331 |
| Assets per employee ($millions) | 3.5317% | 4,962 |
| Cash dividends to net income (ytd only)* | 29.3532% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5682% | 3,581 |
| Loan loss allowance to noncurrent loans | 35.1504% | 6,037 |
| Noncurrent assets plus other real estate owned to assets | 2.3785% | 3,050 |
| Noncurrent loans to loans | 4.4615% | 1,678 |
| Net loans and leases to total assets | 52.4753% | 6,218 |
| Net loans and leases to deposits | 61.8156% | 6,294 |
| Net loans and leases to core deposits | 63.1322% | 6,516 |
| Total domestic deposits to total assets | 84.8902% | 3,727 |
| Equity capital to assets | 14.4780% | 1,010 |
| Core capital (leverage) ratio | 14.0283% | 953 |
| Tier 1 risk-based capital ratio | 23.3598% | 1,025 |
| Total risk-based capital ratio | 24.6125% | 1,003 |
| Memoranda: | ||
| Average total assets | $66,448,000 | 6,154 |
| Average earning assets | $64,315,500 | 6,022 |
| Average equity | $9,636,500 | 5,338 |
| Average total loans | $36,956,500 | 6,267 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6078% | 3,566 |
| Cost of funding earning assets | 1.7347% | 4,337 |
| Net interest margin | 3.8731% | 3,386 |
| Noninterest income to average assets | 0.2735% | 6,155 |
| Noninterest expense to average assets | 5.8043% | 337 |
| Loan and lease loss provision to assets | 0.1164% | 6,483 |
| Net operating income to assets | -1.9770% | 7,081 |
| Return on assets (ROA) | -2.0293% | 7,102 |
| Pretax return on assets | -2.0293% | 6,952 |
| Return on Equity (ROE) | -13.2220% | 6,844 |
| Retained earnings to average equity (ytd only) | -14.7195% | 6,871 |
| Net charge-offs to loans | 0.0527% | 6,573 |
| Credit loss provision to net charge-offs | 400.0000% | 790 |
| Earnings coverage of net charge-offs (x) | -63.9500% | 7,216 |
| Efficiency ratio | 147.1782% | 337 |
| Assets per employee ($millions) | 3.4628% | 5,095 |
| Cash dividends to net income (ytd only)* | -11.3262% | 7,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4158% | 4,142 |
| Loan loss allowance to noncurrent loans | 33.4988% | 6,206 |
| Noncurrent assets plus other real estate owned to assets | 2.4501% | 2,842 |
| Noncurrent loans to loans | 4.2265% | 1,721 |
| Net loans and leases to total assets | 57.1481% | 5,792 |
| Net loans and leases to deposits | 68.0703% | 5,816 |
| Net loans and leases to core deposits | 78.5313% | 6,218 |
| Total domestic deposits to total assets | 83.9545% | 4,047 |
| Equity capital to assets | 14.5272% | 1,015 |
| Core capital (leverage) ratio | 13.3400% | 1,141 |
| Tier 1 risk-based capital ratio | 22.1316% | 1,136 |
| Total risk-based capital ratio | 23.3824% | 1,111 |
| Memoranda: | ||
| Average total assets | $68,741,800 | 6,046 |
| Average earning assets | $65,141,800 | 5,954 |
| Average equity | $10,550,600 | 5,140 |
| Average total loans | $37,981,200 | 6,200 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6033% | 3,847 |
| Cost of funding earning assets | 1.7715% | 4,517 |
| Net interest margin | 3.8318% | 3,516 |
| Noninterest income to average assets | 0.2687% | 6,312 |
| Noninterest expense to average assets | 2.2721% | 6,776 |
| Loan and lease loss provision to assets | 0.1113% | 6,256 |
| Net operating income to assets | 1.4757% | 862 |
| Return on assets (ROA) | 1.4776% | 921 |
| Pretax return on assets | 1.5026% | 1,409 |
| Return on Equity (ROE) | 9.5070% | 2,095 |
| Retained earnings to average equity (ytd only) | 7.5562% | 1,288 |
| Net charge-offs to loans | 0.0633% | 6,067 |
| Credit loss provision to net charge-offs | 322.2222% | 1,276 |
| Earnings coverage of net charge-offs (x) | 46.6654% | 671 |
| Efficiency ratio | 58.4980% | 6,651 |
| Assets per employee ($millions) | 3.7393% | 4,338 |
| Cash dividends to net income (ytd only)* | 20.5194% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 4,123 |
| Loan loss allowance to noncurrent loans | 30.9893% | 6,385 |
| Noncurrent assets plus other real estate owned to assets | 2.3618% | 2,915 |
| Noncurrent loans to loans | 4.4134% | 1,593 |
| Net loans and leases to total assets | 52.7834% | 6,525 |
| Net loans and leases to deposits | 63.4932% | 6,542 |
| Net loans and leases to core deposits | 73.0757% | 6,778 |
| Total domestic deposits to total assets | 83.1323% | 4,161 |
| Equity capital to assets | 16.2470% | 750 |
| Core capital (leverage) ratio | 16.1156% | 661 |
| Tier 1 risk-based capital ratio | 26.7165% | 771 |
| Total risk-based capital ratio | 27.9388% | 749 |
| Memoranda: | ||
| Average total assets | $69,478,750 | 6,058 |
| Average earning assets | $65,555,000 | 5,977 |
| Average equity | $10,798,750 | 5,114 |
| Average total loans | $37,941,500 | 6,246 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7300% | 3,392 |
| Cost of funding earning assets | 1.8543% | 4,493 |
| Net interest margin | 3.8757% | 3,228 |
| Noninterest income to average assets | 0.2494% | 6,501 |
| Noninterest expense to average assets | 2.2826% | 6,809 |
| Loan and lease loss provision to assets | 0.1015% | 6,155 |
| Net operating income to assets | 1.4706% | 895 |
| Return on assets (ROA) | 1.4734% | 954 |
| Pretax return on assets | 1.4995% | 1,442 |
| Return on Equity (ROE) | 9.6297% | 2,157 |
| Retained earnings to average equity (ytd only) | 6.6346% | 1,726 |
| Net charge-offs to loans | -0.0053% | 7,532 |
| Credit loss provision to net charge-offs | -3,500.0000% | 7,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8191% | 6,718 |
| Assets per employee ($millions) | 3.6705% | 4,399 |
| Cash dividends to net income (ytd only)* | 31.1024% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3868% | 3,803 |
| Loan loss allowance to noncurrent loans | 30.6050% | 6,433 |
| Noncurrent assets plus other real estate owned to assets | 2.4176% | 2,681 |
| Noncurrent loans to loans | 4.5312% | 1,418 |
| Net loans and leases to total assets | 52.6140% | 6,612 |
| Net loans and leases to deposits | 66.4115% | 6,351 |
| Net loans and leases to core deposits | 77.1932% | 6,596 |
| Total domestic deposits to total assets | 79.2243% | 5,739 |
| Equity capital to assets | 15.5176% | 927 |
| Core capital (leverage) ratio | 15.7640% | 774 |
| Tier 1 risk-based capital ratio | 26.5665% | 812 |
| Total risk-based capital ratio | 27.8010% | 790 |
| Memoranda: | ||
| Average total assets | $68,956,000 | 6,112 |
| Average earning assets | $64,607,670 | 6,059 |
| Average equity | $10,550,670 | 5,200 |
| Average total loans | $37,915,000 | 6,298 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7976% | 3,319 |
| Cost of funding earning assets | 1.8833% | 4,725 |
| Net interest margin | 3.9143% | 2,994 |
| Noninterest income to average assets | 0.2450% | 6,497 |
| Noninterest expense to average assets | 2.2636% | 6,649 |
| Loan and lease loss provision to assets | 0.0875% | 5,840 |
| Net operating income to assets | 1.5810% | 811 |
| Return on assets (ROA) | 1.5810% | 892 |
| Pretax return on assets | 1.6043% | 1,393 |
| Return on Equity (ROE) | 10.4081% | 2,166 |
| Retained earnings to average equity (ytd only) | 6.0682% | 2,593 |
| Net charge-offs to loans | 0.0209% | 5,270 |
| Credit loss provision to net charge-offs | 750.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 145.0000% | 305 |
| Efficiency ratio | 57.2271% | 6,799 |
| Assets per employee ($millions) | 3.6449% | 4,464 |
| Cash dividends to net income (ytd only)* | 41.6974% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 3,906 |
| Loan loss allowance to noncurrent loans | 28.8136% | 6,631 |
| Noncurrent assets plus other real estate owned to assets | 2.4706% | 2,320 |
| Noncurrent loans to loans | 4.6242% | 1,221 |
| Net loans and leases to total assets | 52.7161% | 6,614 |
| Net loans and leases to deposits | 66.5621% | 6,324 |
| Net loans and leases to core deposits | 77.4360% | 6,581 |
| Total domestic deposits to total assets | 79.1983% | 5,643 |
| Equity capital to assets | 15.2237% | 1,038 |
| Core capital (leverage) ratio | 15.7848% | 812 |
| Tier 1 risk-based capital ratio | 26.0915% | 885 |
| Total risk-based capital ratio | 27.2703% | 875 |
| Memoranda: | ||
| Average total assets | $68,564,000 | 6,154 |
| Average earning assets | $64,992,500 | 6,074 |
| Average equity | $10,415,000 | 5,256 |
| Average total loans | $38,268,000 | 6,318 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2145% | 4,438 |
| Cost of funding earning assets | 2.3794% | 4,817 |
| Net interest margin | 3.8350% | 3,873 |
| Noninterest income to average assets | 0.3133% | 6,211 |
| Noninterest expense to average assets | 2.1239% | 7,177 |
| Loan and lease loss provision to assets | 0.3332% | 3,725 |
| Net operating income to assets | 1.4986% | 1,018 |
| Return on assets (ROA) | 1.5029% | 978 |
| Pretax return on assets | 1.5213% | 1,619 |
| Return on Equity (ROE) | 10.2340% | 2,175 |
| Retained earnings to average equity (ytd only) | 3.1571% | 3,189 |
| Net charge-offs to loans | 0.5287% | 2,249 |
| Credit loss provision to net charge-offs | 111.9048% | 4,821 |
| Earnings coverage of net charge-offs (x) | 6.2143% | 3,415 |
| Efficiency ratio | 53.4427% | 7,334 |
| Assets per employee ($millions) | 3.7708% | 4,024 |
| Cash dividends to net income (ytd only)* | 69.1509% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 4,429 |
| Loan loss allowance to noncurrent loans | 33.6370% | 6,489 |
| Noncurrent assets plus other real estate owned to assets | 2.1024% | 2,335 |
| Noncurrent loans to loans | 3.6095% | 1,397 |
| Net loans and leases to total assets | 57.5404% | 6,268 |
| Net loans and leases to deposits | 69.5585% | 6,323 |
| Net loans and leases to core deposits | 80.4777% | 6,579 |
| Total domestic deposits to total assets | 82.7224% | 3,886 |
| Equity capital to assets | 15.1560% | 1,122 |
| Core capital (leverage) ratio | 15.5185% | 919 |
| Tier 1 risk-based capital ratio | 24.6753% | 1,014 |
| Total risk-based capital ratio | 25.7767% | 1,009 |
| Memoranda: | ||
| Average total assets | $70,532,200 | 6,021 |
| Average earning assets | $67,326,600 | 5,915 |
| Average equity | $10,357,600 | 5,304 |
| Average total loans | $39,722,400 | 6,172 |