Home > Community State Bank > Performance and Condition Ratios
Community State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3695% | 4,439 |
| Cost of funding earning assets | 0.8391% | 3,634 |
| Net interest margin | 2.5304% | 4,066 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 1.7014% | 4,135 |
| Loan and lease loss provision to assets | 0.5200% | 171 |
| Net operating income to assets | 0.2849% | 4,051 |
| Return on assets (ROA) | 0.2849% | 4,052 |
| Pretax return on assets | 0.3386% | 4,049 |
| Return on Equity (ROE) | 2.2400% | 4,125 |
| Retained earnings to average equity (ytd only) | 1.6529% | 3,665 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.5590% | 2,278 |
| Assets per employee ($millions) | 9.0946% | 954 |
| Cash dividends to net income (ytd only)* | 26.0870% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8723% | 131 |
| Loan loss allowance to noncurrent loans | 49.4000% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 2.1991% | 115 |
| Noncurrent loans to loans | 5.8143% | 35 |
| Net loans and leases to total assets | 36.7400% | 4,133 |
| Net loans and leases to deposits | 43.0098% | 4,129 |
| Net loans and leases to core deposits | 44.5479% | 4,190 |
| Total domestic deposits to total assets | 85.4100% | 2,182 |
| Equity capital to assets | 14.3162% | 630 |
| Core capital (leverage) ratio | 17.8083% | 353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.8627% | 222 |
| Memoranda: | ||
| Average total assets | $48,430,200 | 4,327 |
| Average earning assets | $45,526,600 | 4,293 |
| Average equity | $6,170,800 | 4,147 |
| Average total loans | $14,947,200 | 4,351 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2449% | 4,472 |
| Cost of funding earning assets | 0.7601% | 3,636 |
| Net interest margin | 2.4847% | 4,160 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 1.5592% | 4,273 |
| Loan and lease loss provision to assets | 0.6800% | 106 |
| Net operating income to assets | 0.2603% | 4,164 |
| Return on assets (ROA) | 0.2603% | 4,168 |
| Pretax return on assets | 0.2847% | 4,182 |
| Return on Equity (ROE) | 2.1000% | 4,186 |
| Retained earnings to average equity (ytd only) | 2.1031% | 3,711 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.8280% | 2,742 |
| Assets per employee ($millions) | 9.0498% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1807% | 105 |
| Loan loss allowance to noncurrent loans | 48.1481% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 2.2675% | 109 |
| Noncurrent loans to loans | 6.6061% | 27 |
| Net loans and leases to total assets | 33.2300% | 4,261 |
| Net loans and leases to deposits | 38.2981% | 4,248 |
| Net loans and leases to core deposits | 39.6483% | 4,267 |
| Total domestic deposits to total assets | 86.7700% | 1,961 |
| Equity capital to assets | 13.0743% | 798 |
| Core capital (leverage) ratio | 17.3701% | 387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.7833% | 196 |
| Memoranda: | ||
| Average total assets | $49,169,500 | 4,339 |
| Average earning assets | $46,308,000 | 4,309 |
| Average equity | $6,086,000 | 4,159 |
| Average total loans | $14,384,250 | 4,382 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3379% | 4,442 |
| Cost of funding earning assets | 0.6886% | 3,518 |
| Net interest margin | 2.6493% | 4,039 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 1.4700% | 4,359 |
| Loan and lease loss provision to assets | 0.9900% | 69 |
| Net operating income to assets | 0.2457% | 4,236 |
| Return on assets (ROA) | 0.2457% | 4,257 |
| Pretax return on assets | 0.2655% | 4,261 |
| Return on Equity (ROE) | 2.0200% | 4,270 |
| Retained earnings to average equity (ytd only) | 2.0187% | 3,723 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.9244% | 3,619 |
| Assets per employee ($millions) | 9.6438% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7261% | 75 |
| Loan loss allowance to noncurrent loans | 54.6460% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.8748% | 152 |
| Noncurrent loans to loans | 6.8185% | 26 |
| Net loans and leases to total assets | 26.4700% | 4,385 |
| Net loans and leases to deposits | 30.3731% | 4,394 |
| Net loans and leases to core deposits | 30.9874% | 4,395 |
| Total domestic deposits to total assets | 87.1500% | 1,881 |
| Equity capital to assets | 12.7336% | 879 |
| Core capital (leverage) ratio | 16.4009% | 436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.8873% | 173 |
| Memoranda: | ||
| Average total assets | $50,476,333 | 4,354 |
| Average earning assets | $47,635,000 | 4,315 |
| Average equity | $6,142,667 | 4,179 |
| Average total loans | $14,002,000 | 4,410 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2759% | 4,452 |
| Cost of funding earning assets | 0.6338% | 3,278 |
| Net interest margin | 2.6421% | 4,160 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 1.4805% | 4,401 |
| Loan and lease loss provision to assets | 1.9400% | 31 |
| Net operating income to assets | -0.6356% | 4,599 |
| Return on assets (ROA) | -0.6356% | 4,588 |
| Pretax return on assets | -0.8371% | 4,594 |
| Return on Equity (ROE) | -5.3400% | 4,556 |
| Retained earnings to average equity (ytd only) | -5.3385% | 4,343 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.3574% | 3,264 |
| Assets per employee ($millions) | 10.2344% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5878% | 82 |
| Loan loss allowance to noncurrent loans | 82.3333% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.1725% | 315 |
| Noncurrent loans to loans | 4.3576% | 75 |
| Net loans and leases to total assets | 25.9400% | 4,452 |
| Net loans and leases to deposits | 29.5848% | 4,452 |
| Net loans and leases to core deposits | 30.4382% | 4,455 |
| Total domestic deposits to total assets | 87.6900% | 2,026 |
| Equity capital to assets | 12.2176% | 939 |
| Core capital (leverage) ratio | 14.5863% | 643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.5191% | 208 |
| Memoranda: | ||
| Average total assets | $51,605,000 | 4,398 |
| Average earning assets | $48,597,000 | 4,367 |
| Average equity | $6,144,000 | 4,227 |
| Average total loans | $14,374,000 | 4,465 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5686% | 4,473 |
| Cost of funding earning assets | 0.3056% | 2,830 |
| Net interest margin | 2.2630% | 4,448 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 1.5737% | 4,338 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5752% | 3,934 |
| Return on assets (ROA) | 0.5752% | 3,900 |
| Pretax return on assets | 0.6910% | 3,865 |
| Return on Equity (ROE) | 4.3900% | 4,102 |
| Retained earnings to average equity (ytd only) | 3.8693% | 3,441 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.4887% | 1,756 |
| Assets per employee ($millions) | 10.4076% | 589 |
| Cash dividends to net income (ytd only)* | 11.8812% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6289% | 923 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 28.3200% | 4,427 |
| Net loans and leases to deposits | 32.0612% | 4,431 |
| Net loans and leases to core deposits | 33.3749% | 4,429 |
| Total domestic deposits to total assets | 88.3200% | 1,961 |
| Equity capital to assets | 11.5992% | 1,052 |
| Core capital (leverage) ratio | 15.4053% | 519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.9181% | 223 |
| Memoranda: | ||
| Average total assets | $52,679,600 | 4,413 |
| Average earning assets | $50,065,800 | 4,373 |
| Average equity | $6,900,400 | 4,228 |
| Average total loans | $14,307,600 | 4,499 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3981% | 4,496 |
| Cost of funding earning assets | 0.2512% | 2,693 |
| Net interest margin | 2.1469% | 4,493 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 1.5014% | 4,419 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5627% | 3,930 |
| Return on assets (ROA) | 0.5627% | 3,884 |
| Pretax return on assets | 0.6737% | 3,846 |
| Return on Equity (ROE) | 4.1800% | 4,122 |
| Retained earnings to average equity (ytd only) | 4.1780% | 3,384 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.0255% | 1,886 |
| Assets per employee ($millions) | 10.1376% | 629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7152% | 849 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 27.5800% | 4,467 |
| Net loans and leases to deposits | 31.1105% | 4,484 |
| Net loans and leases to core deposits | 31.8584% | 4,482 |
| Total domestic deposits to total assets | 88.6700% | 2,227 |
| Equity capital to assets | 11.2808% | 1,072 |
| Core capital (leverage) ratio | 15.2196% | 521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4770% | 205 |
| Memoranda: | ||
| Average total assets | $52,840,000 | 4,445 |
| Average earning assets | $50,428,000 | 4,401 |
| Average equity | $7,116,500 | 4,240 |
| Average total loans | $14,139,750 | 4,532 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2215% | 4,557 |
| Cost of funding earning assets | 0.2097% | 2,785 |
| Net interest margin | 2.0117% | 4,552 |
| Noninterest income to average assets | 0.1718% | 4,146 |
| Noninterest expense to average assets | 1.4900% | 4,429 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5303% | 3,819 |
| Return on assets (ROA) | 0.5303% | 3,772 |
| Pretax return on assets | 0.6162% | 3,783 |
| Return on Equity (ROE) | 3.7454% | 4,086 |
| Retained earnings to average equity (ytd only) | 3.7454% | 3,183 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7447% | 1,857 |
| Assets per employee ($millions) | 10.9580% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8299% | 773 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 23.8912% | 4,598 |
| Net loans and leases to deposits | 26.9730% | 4,599 |
| Net loans and leases to core deposits | 27.5712% | 4,607 |
| Total domestic deposits to total assets | 88.5746% | 2,342 |
| Equity capital to assets | 11.3889% | 1,067 |
| Core capital (leverage) ratio | 14.2275% | 588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.7394% | 182 |
| Memoranda: | ||
| Average total assets | $53,557,333 | 4,476 |
| Average earning assets | $51,497,667 | 4,449 |
| Average equity | $7,582,667 | 4,245 |
| Average total loans | $14,111,000 | 4,595 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0870% | 4,587 |
| Cost of funding earning assets | 0.1961% | 2,852 |
| Net interest margin | 1.8908% | 4,584 |
| Noninterest income to average assets | 0.0302% | 4,705 |
| Noninterest expense to average assets | 1.5338% | 4,380 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2871% | 4,173 |
| Return on assets (ROA) | 0.2871% | 4,146 |
| Pretax return on assets | 0.3173% | 4,162 |
| Return on Equity (ROE) | 1.8415% | 4,278 |
| Retained earnings to average equity (ytd only) | 1.8415% | 3,582 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8571% | 922 |
| Assets per employee ($millions) | 11.0248% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9493% | 679 |
| Loan loss allowance to noncurrent loans | 94.2085% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.4698% | 1,292 |
| Noncurrent loans to loans | 2.0692% | 345 |
| Net loans and leases to total assets | 22.2643% | 4,642 |
| Net loans and leases to deposits | 25.4063% | 4,648 |
| Net loans and leases to core deposits | 25.5666% | 4,654 |
| Total domestic deposits to total assets | 87.6333% | 2,696 |
| Equity capital to assets | 12.3413% | 846 |
| Core capital (leverage) ratio | 14.0391% | 577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7274% | 210 |
| Memoranda: | ||
| Average total assets | $52,941,000 | 4,507 |
| Average earning assets | $50,982,500 | 4,474 |
| Average equity | $8,254,000 | 4,245 |
| Average total loans | $14,499,500 | 4,611 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8860% | 4,078 |
| Cost of funding earning assets | 0.2745% | 2,658 |
| Net interest margin | 2.6116% | 4,032 |
| Noninterest income to average assets | 0.1614% | 4,345 |
| Noninterest expense to average assets | 1.6018% | 4,420 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8866% | 3,094 |
| Return on assets (ROA) | 0.8866% | 3,156 |
| Pretax return on assets | 1.0619% | 3,099 |
| Return on Equity (ROE) | 4.5577% | 4,094 |
| Retained earnings to average equity (ytd only) | 4.0968% | 3,187 |
| Net charge-offs to loans | -0.0961% | 4,572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1346% | 3,125 |
| Assets per employee ($millions) | 10.1516% | 638 |
| Cash dividends to net income (ytd only)* | 10.1124% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 1,634 |
| Loan loss allowance to noncurrent loans | 375.3846% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 3,038 |
| Noncurrent loans to loans | 0.3944% | 2,177 |
| Net loans and leases to total assets | 31.9910% | 4,446 |
| Net loans and leases to deposits | 39.6590% | 4,349 |
| Net loans and leases to core deposits | 39.9537% | 4,389 |
| Total domestic deposits to total assets | 80.6651% | 4,148 |
| Equity capital to assets | 19.1201% | 209 |
| Core capital (leverage) ratio | 18.5407% | 225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.3510% | 144 |
| Memoranda: | ||
| Average total assets | $50,193,000 | 4,558 |
| Average earning assets | $48,093,800 | 4,531 |
| Average equity | $9,763,800 | 4,155 |
| Average total loans | $16,641,800 | 4,623 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0342% | 3,940 |
| Cost of funding earning assets | 0.2870% | 2,725 |
| Net interest margin | 2.7472% | 3,887 |
| Noninterest income to average assets | 0.1758% | 4,322 |
| Noninterest expense to average assets | 1.5290% | 4,563 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0496% | 2,730 |
| Return on assets (ROA) | 1.0496% | 2,796 |
| Pretax return on assets | 1.2733% | 2,695 |
| Return on Equity (ROE) | 5.3722% | 4,045 |
| Retained earnings to average equity (ytd only) | 5.3722% | 3,076 |
| Net charge-offs to loans | -0.1039% | 4,627 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5627% | 3,722 |
| Assets per employee ($millions) | 9.9466% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4703% | 1,746 |
| Loan loss allowance to noncurrent loans | 52.3913% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 0.9249% | 732 |
| Noncurrent loans to loans | 2.8064% | 244 |
| Net loans and leases to total assets | 32.4734% | 4,528 |
| Net loans and leases to deposits | 40.7222% | 4,425 |
| Net loans and leases to core deposits | 41.0346% | 4,480 |
| Total domestic deposits to total assets | 79.7438% | 4,265 |
| Equity capital to assets | 19.8802% | 197 |
| Core capital (leverage) ratio | 18.7375% | 231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.3718% | 112 |
| Memoranda: | ||
| Average total assets | $50,051,750 | 4,624 |
| Average earning assets | $47,852,750 | 4,596 |
| Average equity | $9,778,500 | 4,212 |
| Average total loans | $16,681,750 | 4,692 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4864% | 4,625 |
| Cost of funding earning assets | 0.2952% | 2,818 |
| Net interest margin | 2.1912% | 4,607 |
| Noninterest income to average assets | 0.9849% | 1,098 |
| Noninterest expense to average assets | 1.5152% | 4,609 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2839% | 1,909 |
| Return on assets (ROA) | 1.2839% | 1,985 |
| Pretax return on assets | 1.5710% | 1,816 |
| Return on Equity (ROE) | 6.6103% | 3,754 |
| Retained earnings to average equity (ytd only) | 6.6103% | 2,582 |
| Net charge-offs to loans | -0.1192% | 4,677 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0956% | 4,310 |
| Assets per employee ($millions) | 10.4408% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4540% | 1,752 |
| Loan loss allowance to noncurrent loans | 51.8519% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 0.8792% | 887 |
| Noncurrent loans to loans | 2.8041% | 269 |
| Net loans and leases to total assets | 30.8999% | 4,622 |
| Net loans and leases to deposits | 38.2423% | 4,574 |
| Net loans and leases to core deposits | 38.5181% | 4,613 |
| Total domestic deposits to total assets | 80.8003% | 4,113 |
| Equity capital to assets | 18.8185% | 235 |
| Core capital (leverage) ratio | 18.0783% | 259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.9322% | 128 |
| Memoranda: | ||
| Average total assets | $50,158,000 | 4,652 |
| Average earning assets | $48,102,333 | 4,620 |
| Average equity | $9,742,333 | 4,233 |
| Average total loans | $16,778,667 | 4,723 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5441% | 4,616 |
| Cost of funding earning assets | 0.3138% | 2,856 |
| Net interest margin | 2.2303% | 4,591 |
| Noninterest income to average assets | 0.9281% | 1,257 |
| Noninterest expense to average assets | 1.5875% | 4,552 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2048% | 2,124 |
| Return on assets (ROA) | 1.2048% | 2,209 |
| Pretax return on assets | 1.4816% | 2,044 |
| Return on Equity (ROE) | 6.1021% | 3,830 |
| Retained earnings to average equity (ytd only) | 6.1021% | 2,855 |
| Net charge-offs to loans | -0.0707% | 4,518 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7241% | 4,023 |
| Assets per employee ($millions) | 10.1428% | 571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4341% | 1,827 |
| Loan loss allowance to noncurrent loans | 51.5625% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 0.8834% | 989 |
| Noncurrent loans to loans | 2.7812% | 299 |
| Net loans and leases to total assets | 31.3069% | 4,654 |
| Net loans and leases to deposits | 38.7991% | 4,602 |
| Net loans and leases to core deposits | 39.0867% | 4,645 |
| Total domestic deposits to total assets | 80.6898% | 4,104 |
| Equity capital to assets | 18.9888% | 223 |
| Core capital (leverage) ratio | 18.3061% | 247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.2855% | 146 |
| Memoranda: | ||
| Average total assets | $49,135,000 | 4,682 |
| Average earning assets | $47,168,500 | 4,649 |
| Average equity | $9,701,500 | 4,246 |
| Average total loans | $16,983,500 | 4,742 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1897% | 4,462 |
| Cost of funding earning assets | 0.5182% | 2,823 |
| Net interest margin | 2.6715% | 4,413 |
| Noninterest income to average assets | 0.2159% | 4,199 |
| Noninterest expense to average assets | 1.7051% | 4,615 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8921% | 2,731 |
| Return on assets (ROA) | 0.8940% | 2,860 |
| Pretax return on assets | 1.0531% | 2,867 |
| Return on Equity (ROE) | 4.3172% | 4,081 |
| Retained earnings to average equity (ytd only) | 3.8433% | 2,899 |
| Net charge-offs to loans | 0.0112% | 2,925 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 241.0000% | 416 |
| Efficiency ratio | 61.8671% | 3,164 |
| Assets per employee ($millions) | 9.5112% | 622 |
| Cash dividends to net income (ytd only)* | 10.9756% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 2,535 |
| Loan loss allowance to noncurrent loans | 49.3506% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 0.9715% | 991 |
| Noncurrent loans to loans | 2.5869% | 385 |
| Net loans and leases to total assets | 37.0742% | 4,560 |
| Net loans and leases to deposits | 46.9884% | 4,429 |
| Net loans and leases to core deposits | 47.3684% | 4,504 |
| Total domestic deposits to total assets | 78.9007% | 4,214 |
| Equity capital to assets | 20.5505% | 176 |
| Core capital (leverage) ratio | 18.6000% | 236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.0281% | 193 |
| Memoranda: | ||
| Average total assets | $45,863,400 | 4,698 |
| Average earning assets | $43,608,600 | 4,676 |
| Average equity | $9,497,000 | 4,249 |
| Average total loans | $17,933,200 | 4,756 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2923% | 4,478 |
| Cost of funding earning assets | 0.5632% | 2,848 |
| Net interest margin | 2.7292% | 4,428 |
| Noninterest income to average assets | 0.2523% | 3,965 |
| Noninterest expense to average assets | 1.6431% | 4,689 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0098% | 2,304 |
| Return on assets (ROA) | 1.0123% | 2,424 |
| Pretax return on assets | 1.2001% | 2,388 |
| Return on Equity (ROE) | 4.8790% | 3,927 |
| Retained earnings to average equity (ytd only) | 4.8790% | 2,613 |
| Net charge-offs to loans | -0.0223% | 4,452 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8512% | 3,683 |
| Assets per employee ($millions) | 9.3460% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 2,312 |
| Loan loss allowance to noncurrent loans | 49.6802% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.0036% | 1,108 |
| Noncurrent loans to loans | 2.5513% | 406 |
| Net loans and leases to total assets | 38.8401% | 4,600 |
| Net loans and leases to deposits | 49.5293% | 4,501 |
| Net loans and leases to core deposits | 49.9381% | 4,579 |
| Total domestic deposits to total assets | 78.4186% | 4,137 |
| Equity capital to assets | 20.9501% | 180 |
| Core capital (leverage) ratio | 19.3227% | 226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.3198% | 156 |
| Memoranda: | ||
| Average total assets | $45,440,250 | 4,728 |
| Average earning assets | $43,088,750 | 4,706 |
| Average equity | $9,428,000 | 4,275 |
| Average total loans | $17,951,750 | 4,786 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3717% | 4,569 |
| Cost of funding earning assets | 0.6088% | 2,925 |
| Net interest margin | 2.7629% | 4,496 |
| Noninterest income to average assets | 0.3599% | 3,328 |
| Noninterest expense to average assets | 1.6174% | 4,766 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1560% | 1,777 |
| Return on assets (ROA) | 1.1597% | 1,894 |
| Pretax return on assets | 1.3686% | 1,804 |
| Return on Equity (ROE) | 5.6085% | 3,628 |
| Retained earnings to average equity (ytd only) | 5.6085% | 2,233 |
| Net charge-offs to loans | -0.0337% | 4,579 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2474% | 4,153 |
| Assets per employee ($millions) | 9.2062% | 641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 2,263 |
| Loan loss allowance to noncurrent loans | 41.8312% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 1.2101% | 899 |
| Noncurrent loans to loans | 2.9850% | 326 |
| Net loans and leases to total assets | 40.0317% | 4,604 |
| Net loans and leases to deposits | 51.1520% | 4,477 |
| Net loans and leases to core deposits | 51.1520% | 4,594 |
| Total domestic deposits to total assets | 78.2603% | 4,151 |
| Equity capital to assets | 21.0858% | 174 |
| Core capital (leverage) ratio | 19.8204% | 214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.1496% | 183 |
| Memoranda: | ||
| Average total assets | $45,010,333 | 4,754 |
| Average earning assets | $42,708,000 | 4,729 |
| Average equity | $9,307,333 | 4,308 |
| Average total loans | $17,808,000 | 4,817 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5958% | 4,529 |
| Cost of funding earning assets | 0.6849% | 2,996 |
| Net interest margin | 2.9109% | 4,421 |
| Noninterest income to average assets | 0.2247% | 4,208 |
| Noninterest expense to average assets | 1.7438% | 4,732 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0440% | 2,025 |
| Return on assets (ROA) | 1.0517% | 2,097 |
| Pretax return on assets | 1.2404% | 2,064 |
| Return on Equity (ROE) | 5.1383% | 3,586 |
| Retained earnings to average equity (ytd only) | 5.1383% | 2,215 |
| Net charge-offs to loans | -0.0690% | 4,727 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6103% | 3,924 |
| Assets per employee ($millions) | 8.8766% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3940% | 1,723 |
| Loan loss allowance to noncurrent loans | 49.8929% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 1.0522% | 1,242 |
| Noncurrent loans to loans | 2.7939% | 403 |
| Net loans and leases to total assets | 37.1358% | 4,749 |
| Net loans and leases to deposits | 46.9760% | 4,693 |
| Net loans and leases to core deposits | 46.9760% | 4,752 |
| Total domestic deposits to total assets | 79.0528% | 4,041 |
| Equity capital to assets | 20.5416% | 221 |
| Core capital (leverage) ratio | 19.9897% | 237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.6666% | 168 |
| Memoranda: | ||
| Average total assets | $44,500,000 | 4,791 |
| Average earning assets | $42,049,000 | 4,777 |
| Average equity | $9,108,000 | 4,356 |
| Average total loans | $17,382,000 | 4,863 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8033% | 4,563 |
| Cost of funding earning assets | 0.7737% | 2,809 |
| Net interest margin | 3.0296% | 4,486 |
| Noninterest income to average assets | 0.1148% | 4,884 |
| Noninterest expense to average assets | 1.7070% | 4,862 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0590% | 2,621 |
| Return on assets (ROA) | 1.0644% | 2,698 |
| Pretax return on assets | 1.2940% | 2,523 |
| Return on Equity (ROE) | 5.5106% | 4,062 |
| Retained earnings to average equity (ytd only) | 4.9961% | 2,418 |
| Net charge-offs to loans | -0.1587% | 5,032 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0059% | 4,090 |
| Assets per employee ($millions) | 8.9234% | 517 |
| Cash dividends to net income (ytd only)* | 9.3361% | 3,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 2,049 |
| Loan loss allowance to noncurrent loans | 73.4824% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 0.7015% | 1,844 |
| Noncurrent loans to loans | 1.7342% | 788 |
| Net loans and leases to total assets | 39.9377% | 4,733 |
| Net loans and leases to deposits | 50.4802% | 4,668 |
| Net loans and leases to core deposits | 50.4802% | 4,746 |
| Total domestic deposits to total assets | 79.1156% | 4,168 |
| Equity capital to assets | 20.3936% | 235 |
| Core capital (leverage) ratio | 19.7977% | 245 |
| Tier 1 risk-based capital ratio | 33.2826% | 378 |
| Total risk-based capital ratio | 34.1577% | 382 |
| Memoranda: | ||
| Average total assets | $45,284,400 | 4,825 |
| Average earning assets | $43,041,800 | 4,798 |
| Average equity | $8,746,800 | 4,414 |
| Average total loans | $17,008,200 | 4,929 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8588% | 4,592 |
| Cost of funding earning assets | 0.7829% | 2,797 |
| Net interest margin | 3.0759% | 4,515 |
| Noninterest income to average assets | 0.1291% | 4,882 |
| Noninterest expense to average assets | 1.6105% | 4,994 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1886% | 2,235 |
| Return on assets (ROA) | 1.1910% | 2,310 |
| Pretax return on assets | 1.4491% | 2,121 |
| Return on Equity (ROE) | 6.2517% | 3,968 |
| Retained earnings to average equity (ytd only) | 6.2517% | 2,244 |
| Net charge-offs to loans | -0.1512% | 5,066 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6871% | 4,539 |
| Assets per employee ($millions) | 8.6476% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2475% | 2,247 |
| Loan loss allowance to noncurrent loans | 965.2174% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 4,447 |
| Noncurrent loans to loans | 0.1292% | 4,070 |
| Net loans and leases to total assets | 40.6425% | 4,795 |
| Net loans and leases to deposits | 51.8699% | 4,714 |
| Net loans and leases to core deposits | 51.8699% | 4,800 |
| Total domestic deposits to total assets | 78.3547% | 4,295 |
| Equity capital to assets | 21.0717% | 218 |
| Core capital (leverage) ratio | 19.5806% | 264 |
| Tier 1 risk-based capital ratio | 35.8697% | 325 |
| Total risk-based capital ratio | 36.7848% | 326 |
| Memoranda: | ||
| Average total assets | $45,451,250 | 4,894 |
| Average earning assets | $43,259,500 | 4,865 |
| Average equity | $8,658,750 | 4,472 |
| Average total loans | $16,748,000 | 5,008 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7819% | 4,736 |
| Cost of funding earning assets | 0.7582% | 2,857 |
| Net interest margin | 3.0237% | 4,645 |
| Noninterest income to average assets | 0.1645% | 4,767 |
| Noninterest expense to average assets | 1.5458% | 5,091 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2435% | 1,990 |
| Return on assets (ROA) | 1.2471% | 2,027 |
| Pretax return on assets | 1.5069% | 1,838 |
| Return on Equity (ROE) | 6.7701% | 3,759 |
| Retained earnings to average equity (ytd only) | 6.7701% | 1,920 |
| Net charge-offs to loans | -0.1098% | 5,016 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7102% | 4,742 |
| Assets per employee ($millions) | 9.1522% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 2,054 |
| Loan loss allowance to noncurrent loans | 278.9474% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 3,937 |
| Noncurrent loans to loans | 0.4627% | 2,894 |
| Net loans and leases to total assets | 35.4275% | 4,993 |
| Net loans and leases to deposits | 44.2129% | 4,951 |
| Net loans and leases to core deposits | 44.2129% | 4,994 |
| Total domestic deposits to total assets | 80.1294% | 4,017 |
| Equity capital to assets | 19.4161% | 272 |
| Core capital (leverage) ratio | 18.9366% | 284 |
| Tier 1 risk-based capital ratio | 35.2862% | 328 |
| Total risk-based capital ratio | 36.1541% | 338 |
| Memoranda: | ||
| Average total assets | $46,189,000 | 4,924 |
| Average earning assets | $44,052,000 | 4,896 |
| Average equity | $8,508,000 | 4,517 |
| Average total loans | $16,399,000 | 5,057 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7922% | 4,719 |
| Cost of funding earning assets | 0.7404% | 2,832 |
| Net interest margin | 3.0518% | 4,666 |
| Noninterest income to average assets | 0.0345% | 5,251 |
| Noninterest expense to average assets | 1.6551% | 5,055 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0603% | 2,621 |
| Return on assets (ROA) | 1.0603% | 2,668 |
| Pretax return on assets | 1.2930% | 2,481 |
| Return on Equity (ROE) | 5.9138% | 4,050 |
| Retained earnings to average equity (ytd only) | 5.9138% | 2,488 |
| Net charge-offs to loans | -0.1221% | 5,074 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1404% | 4,315 |
| Assets per employee ($millions) | 9.3400% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 2,162 |
| Loan loss allowance to noncurrent loans | 292.9577% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 4,045 |
| Noncurrent loans to loans | 0.4386% | 3,011 |
| Net loans and leases to total assets | 34.2206% | 5,067 |
| Net loans and leases to deposits | 41.9978% | 5,041 |
| Net loans and leases to core deposits | 41.9978% | 5,080 |
| Total domestic deposits to total assets | 81.4818% | 3,860 |
| Equity capital to assets | 18.2505% | 328 |
| Core capital (leverage) ratio | 18.8764% | 284 |
| Tier 1 risk-based capital ratio | 36.4423% | 295 |
| Total risk-based capital ratio | 37.3034% | 296 |
| Memoranda: | ||
| Average total assets | $46,403,000 | 4,972 |
| Average earning assets | $44,301,000 | 4,938 |
| Average equity | $8,319,500 | 4,571 |
| Average total loans | $16,386,500 | 5,119 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6021% | 4,795 |
| Cost of funding earning assets | 0.6074% | 2,665 |
| Net interest margin | 2.9947% | 4,802 |
| Noninterest income to average assets | 0.1166% | 5,091 |
| Noninterest expense to average assets | 1.6612% | 5,127 |
| Loan and lease loss provision to assets | 0.2018% | 934 |
| Net operating income to assets | 0.9371% | 3,293 |
| Return on assets (ROA) | 0.9371% | 3,288 |
| Pretax return on assets | 1.0940% | 3,293 |
| Return on Equity (ROE) | 5.2439% | 4,402 |
| Retained earnings to average equity (ytd only) | 4.8675% | 2,851 |
| Net charge-offs to loans | 0.5727% | 301 |
| Credit loss provision to net charge-offs | 102.2727% | 2,471 |
| Earnings coverage of net charge-offs (x) | 6.5682% | 3,077 |
| Efficiency ratio | 56.1789% | 4,381 |
| Assets per employee ($millions) | 9.2212% | 432 |
| Cash dividends to net income (ytd only)* | 7.1770% | 3,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 2,439 |
| Loan loss allowance to noncurrent loans | 338.3333% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.1301% | 4,173 |
| Noncurrent loans to loans | 0.3618% | 3,242 |
| Net loans and leases to total assets | 35.5290% | 5,079 |
| Net loans and leases to deposits | 43.1590% | 5,047 |
| Net loans and leases to core deposits | 43.1590% | 5,100 |
| Total domestic deposits to total assets | 82.3212% | 3,547 |
| Equity capital to assets | 17.6029% | 372 |
| Core capital (leverage) ratio | 18.6631% | 280 |
| Tier 1 risk-based capital ratio | 33.4568% | 353 |
| Total risk-based capital ratio | 34.2656% | 359 |
| Memoranda: | ||
| Average total assets | $44,606,800 | 5,034 |
| Average earning assets | $42,308,400 | 5,006 |
| Average equity | $7,971,200 | 4,611 |
| Average total loans | $15,365,200 | 5,186 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5301% | 4,901 |
| Cost of funding earning assets | 0.5629% | 2,762 |
| Net interest margin | 2.9672% | 4,894 |
| Noninterest income to average assets | 0.1326% | 5,097 |
| Noninterest expense to average assets | 1.5825% | 5,224 |
| Loan and lease loss provision to assets | 0.2713% | 559 |
| Net operating income to assets | 0.9375% | 3,359 |
| Return on assets (ROA) | 0.9375% | 3,363 |
| Pretax return on assets | 1.0912% | 3,432 |
| Return on Equity (ROE) | 5.2257% | 4,492 |
| Retained earnings to average equity (ytd only) | 5.2257% | 3,102 |
| Net charge-offs to loans | 0.7879% | 179 |
| Credit loss provision to net charge-offs | 101.1236% | 2,238 |
| Earnings coverage of net charge-offs (x) | 5.0788% | 2,993 |
| Efficiency ratio | 53.7359% | 4,631 |
| Assets per employee ($millions) | 8.6510% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3198% | 1,995 |
| Loan loss allowance to noncurrent loans | 276.7123% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.1688% | 4,109 |
| Noncurrent loans to loans | 0.4770% | 2,957 |
| Net loans and leases to total assets | 34.9162% | 5,176 |
| Net loans and leases to deposits | 42.7460% | 5,139 |
| Net loans and leases to core deposits | 42.7460% | 5,185 |
| Total domestic deposits to total assets | 81.6830% | 3,695 |
| Equity capital to assets | 18.2245% | 318 |
| Core capital (leverage) ratio | 18.8249% | 278 |
| Tier 1 risk-based capital ratio | 36.6968% | 283 |
| Total risk-based capital ratio | 37.5877% | 287 |
| Memoranda: | ||
| Average total assets | $44,232,000 | 5,104 |
| Average earning assets | $41,924,000 | 5,079 |
| Average equity | $7,935,000 | 4,665 |
| Average total loans | $15,060,500 | 5,257 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4301% | 5,003 |
| Cost of funding earning assets | 0.5219% | 2,821 |
| Net interest margin | 2.9082% | 5,004 |
| Noninterest income to average assets | 0.1751% | 4,946 |
| Noninterest expense to average assets | 1.4363% | 5,375 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2523% | 1,971 |
| Return on assets (ROA) | 1.2523% | 1,971 |
| Pretax return on assets | 1.4902% | 1,849 |
| Return on Equity (ROE) | 7.0168% | 3,899 |
| Retained earnings to average equity (ytd only) | 7.0168% | 2,064 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0798% | 5,072 |
| Assets per employee ($millions) | 8.9218% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 1,873 |
| Loan loss allowance to noncurrent loans | 144.6043% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.3116% | 3,521 |
| Noncurrent loans to loans | 0.9444% | 1,841 |
| Net loans and leases to total assets | 32.5450% | 5,280 |
| Net loans and leases to deposits | 39.6775% | 5,253 |
| Net loans and leases to core deposits | 39.6775% | 5,289 |
| Total domestic deposits to total assets | 82.0238% | 3,719 |
| Equity capital to assets | 17.8753% | 335 |
| Core capital (leverage) ratio | 18.5840% | 290 |
| Tier 1 risk-based capital ratio | 36.9484% | 276 |
| Total risk-based capital ratio | 37.8443% | 283 |
| Memoranda: | ||
| Average total assets | $44,557,670 | 5,158 |
| Average earning assets | $42,156,670 | 5,125 |
| Average equity | $7,952,330 | 4,700 |
| Average total loans | $14,979,000 | 5,320 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3784% | 5,045 |
| Cost of funding earning assets | 0.4758% | 3,000 |
| Net interest margin | 2.9026% | 5,026 |
| Noninterest income to average assets | 0.0539% | 5,467 |
| Noninterest expense to average assets | 1.5180% | 5,375 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0599% | 2,609 |
| Return on assets (ROA) | 1.0599% | 2,619 |
| Pretax return on assets | 1.2755% | 2,458 |
| Return on Equity (ROE) | 5.9435% | 4,178 |
| Retained earnings to average equity (ytd only) | 5.9435% | 2,733 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3408% | 4,763 |
| Assets per employee ($millions) | 9.1030% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 1,890 |
| Loan loss allowance to noncurrent loans | 160.8000% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 3,771 |
| Noncurrent loans to loans | 0.8621% | 2,098 |
| Net loans and leases to total assets | 31.4138% | 5,335 |
| Net loans and leases to deposits | 38.0124% | 5,318 |
| Net loans and leases to core deposits | 38.0124% | 5,354 |
| Total domestic deposits to total assets | 82.6409% | 3,770 |
| Equity capital to assets | 17.2910% | 375 |
| Core capital (leverage) ratio | 18.2034% | 300 |
| Tier 1 risk-based capital ratio | 36.0747% | 304 |
| Total risk-based capital ratio | 36.9668% | 313 |
| Memoranda: | ||
| Average total assets | $44,532,000 | 5,216 |
| Average earning assets | $42,031,500 | 5,187 |
| Average equity | $7,941,500 | 4,755 |
| Average total loans | $15,109,000 | 5,375 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3112% | 5,070 |
| Cost of funding earning assets | 0.4207% | 3,048 |
| Net interest margin | 2.8905% | 5,057 |
| Noninterest income to average assets | 0.0985% | 5,419 |
| Noninterest expense to average assets | 1.7190% | 5,313 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9806% | 2,326 |
| Return on assets (ROA) | 0.9826% | 2,352 |
| Pretax return on assets | 1.1374% | 3,031 |
| Return on Equity (ROE) | 5.2868% | 4,049 |
| Retained earnings to average equity (ytd only) | 4.9083% | 2,186 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2301% | 4,228 |
| Assets per employee ($millions) | 8.7098% | 498 |
| Cash dividends to net income (ytd only)* | 7.1599% | 3,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 2,327 |
| Loan loss allowance to noncurrent loans | 1,182.3529% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 4,940 |
| Noncurrent loans to loans | 0.1081% | 4,500 |
| Net loans and leases to total assets | 35.6334% | 5,301 |
| Net loans and leases to deposits | 43.7262% | 5,255 |
| Net loans and leases to core deposits | 43.7262% | 5,302 |
| Total domestic deposits to total assets | 81.4921% | 3,998 |
| Equity capital to assets | 18.4000% | 283 |
| Core capital (leverage) ratio | 18.4839% | 264 |
| Tier 1 risk-based capital ratio | 33.7405% | 350 |
| Total risk-based capital ratio | 34.5872% | 354 |
| Memoranda: | ||
| Average total assets | $42,640,000 | 5,295 |
| Average earning assets | $40,650,000 | 5,262 |
| Average equity | $7,925,400 | 4,794 |
| Average total loans | $15,124,600 | 5,436 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3118% | 5,105 |
| Cost of funding earning assets | 0.4152% | 3,041 |
| Net interest margin | 2.8966% | 5,090 |
| Noninterest income to average assets | 0.1069% | 5,453 |
| Noninterest expense to average assets | 1.5875% | 5,463 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0004% | 2,549 |
| Return on assets (ROA) | 1.0028% | 2,586 |
| Pretax return on assets | 1.2857% | 2,565 |
| Return on Equity (ROE) | 5.3814% | 4,381 |
| Retained earnings to average equity (ytd only) | 5.3814% | 2,622 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3122% | 4,812 |
| Assets per employee ($millions) | 8.4378% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4319% | 1,771 |
| Loan loss allowance to noncurrent loans | 220.8791% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 4,213 |
| Noncurrent loans to loans | 0.6483% | 2,769 |
| Net loans and leases to total assets | 32.7953% | 5,439 |
| Net loans and leases to deposits | 40.8732% | 5,393 |
| Net loans and leases to core deposits | 40.8732% | 5,445 |
| Total domestic deposits to total assets | 80.2366% | 4,269 |
| Equity capital to assets | 19.2444% | 263 |
| Core capital (leverage) ratio | 18.8552% | 258 |
| Tier 1 risk-based capital ratio | 36.4208% | 294 |
| Total risk-based capital ratio | 37.3429% | 294 |
| Memoranda: | ||
| Average total assets | $42,412,750 | 5,355 |
| Average earning assets | $40,460,750 | 5,319 |
| Average equity | $7,903,500 | 4,844 |
| Average total loans | $14,976,000 | 5,498 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3108% | 5,090 |
| Cost of funding earning assets | 0.4034% | 3,037 |
| Net interest margin | 2.9074% | 5,085 |
| Noninterest income to average assets | 0.1365% | 5,367 |
| Noninterest expense to average assets | 1.5581% | 5,528 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0695% | 2,123 |
| Return on assets (ROA) | 1.0733% | 2,155 |
| Pretax return on assets | 1.3651% | 2,151 |
| Return on Equity (ROE) | 5.8225% | 4,124 |
| Retained earnings to average equity (ytd only) | 5.8225% | 2,216 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3871% | 5,063 |
| Assets per employee ($millions) | 7.0618% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3981% | 1,956 |
| Loan loss allowance to noncurrent loans | 386.5385% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 4,696 |
| Noncurrent loans to loans | 0.3617% | 3,734 |
| Net loans and leases to total assets | 33.4568% | 5,468 |
| Net loans and leases to deposits | 41.5975% | 5,407 |
| Net loans and leases to core deposits | 41.5975% | 5,453 |
| Total domestic deposits to total assets | 80.4300% | 4,318 |
| Equity capital to assets | 19.0224% | 261 |
| Core capital (leverage) ratio | 18.4872% | 272 |
| Tier 1 risk-based capital ratio | 36.2210% | 276 |
| Total risk-based capital ratio | 37.1487% | 280 |
| Memoranda: | ||
| Average total assets | $42,487,330 | 5,399 |
| Average earning assets | $40,655,330 | 5,356 |
| Average equity | $7,831,670 | 4,884 |
| Average total loans | $15,289,000 | 5,542 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2468% | 5,180 |
| Cost of funding earning assets | 0.3826% | 3,179 |
| Net interest margin | 2.8643% | 5,147 |
| Noninterest income to average assets | 0.0282% | 5,765 |
| Noninterest expense to average assets | 1.5889% | 5,563 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9214% | 2,659 |
| Return on assets (ROA) | 0.9214% | 2,714 |
| Pretax return on assets | 1.1846% | 2,659 |
| Return on Equity (ROE) | 5.0794% | 4,351 |
| Retained earnings to average equity (ytd only) | 5.0794% | 2,842 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2881% | 4,800 |
| Assets per employee ($millions) | 7.1518% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3869% | 2,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 33.3061% | 5,490 |
| Net loans and leases to deposits | 40.9138% | 5,441 |
| Net loans and leases to core deposits | 40.9138% | 5,493 |
| Total domestic deposits to total assets | 81.4057% | 4,319 |
| Equity capital to assets | 18.1748% | 294 |
| Core capital (leverage) ratio | 17.8227% | 299 |
| Tier 1 risk-based capital ratio | 36.0179% | 300 |
| Total risk-based capital ratio | 36.9558% | 304 |
| Memoranda: | ||
| Average total assets | $42,545,500 | 5,455 |
| Average earning assets | $40,778,500 | 5,412 |
| Average equity | $7,717,500 | 4,942 |
| Average total loans | $15,745,000 | 5,596 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4482% | 4,890 |
| Cost of funding earning assets | 0.3892% | 3,109 |
| Net interest margin | 3.0591% | 4,823 |
| Noninterest income to average assets | 0.2160% | 5,123 |
| Noninterest expense to average assets | 1.7112% | 5,554 |
| Loan and lease loss provision to assets | 0.1643% | 1,503 |
| Net operating income to assets | 1.0056% | 2,331 |
| Return on assets (ROA) | 1.0094% | 2,413 |
| Pretax return on assets | 1.2605% | 2,436 |
| Return on Equity (ROE) | 5.5421% | 4,188 |
| Retained earnings to average equity (ytd only) | 5.1554% | 2,234 |
| Net charge-offs to loans | 0.8357% | 236 |
| Credit loss provision to net charge-offs | 51.8519% | 3,357 |
| Earnings coverage of net charge-offs (x) | 4.4815% | 3,491 |
| Efficiency ratio | 54.6477% | 5,186 |
| Assets per employee ($millions) | 7.0300% | 910 |
| Cash dividends to net income (ytd only)* | 6.9767% | 4,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 3,226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 39.8198% | 5,324 |
| Net loans and leases to deposits | 48.7830% | 5,258 |
| Net loans and leases to core deposits | 48.7830% | 5,343 |
| Total domestic deposits to total assets | 81.6264% | 4,168 |
| Equity capital to assets | 18.1034% | 297 |
| Core capital (leverage) ratio | 17.6066% | 306 |
| Tier 1 risk-based capital ratio | 32.8152% | 383 |
| Total risk-based capital ratio | 33.6807% | 389 |
| Memoranda: | ||
| Average total assets | $42,601,600 | 5,497 |
| Average earning assets | $40,600,600 | 5,455 |
| Average equity | $7,758,800 | 4,970 |
| Average total loans | $16,153,400 | 5,637 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4561% | 4,914 |
| Cost of funding earning assets | 0.3869% | 3,155 |
| Net interest margin | 3.0692% | 4,857 |
| Noninterest income to average assets | 0.2497% | 4,970 |
| Noninterest expense to average assets | 1.6078% | 5,682 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2003% | 1,648 |
| Return on assets (ROA) | 1.2051% | 1,723 |
| Pretax return on assets | 1.5704% | 1,465 |
| Return on Equity (ROE) | 6.6070% | 3,771 |
| Retained earnings to average equity (ytd only) | 6.6070% | 1,841 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6890% | 5,455 |
| Assets per employee ($millions) | 6.9497% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6653% | 1,296 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 37.6685% | 5,483 |
| Net loans and leases to deposits | 47.2022% | 5,403 |
| Net loans and leases to core deposits | 47.2022% | 5,473 |
| Total domestic deposits to total assets | 79.8024% | 4,558 |
| Equity capital to assets | 19.2383% | 254 |
| Core capital (leverage) ratio | 17.9822% | 305 |
| Tier 1 risk-based capital ratio | 34.5377% | 345 |
| Total risk-based capital ratio | 35.7451% | 344 |
| Memoranda: | ||
| Average total assets | $42,707,000 | 5,550 |
| Average earning assets | $40,661,500 | 5,506 |
| Average equity | $7,789,500 | 5,018 |
| Average total loans | $15,942,500 | 5,698 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4141% | 5,048 |
| Cost of funding earning assets | 0.3804% | 3,244 |
| Net interest margin | 3.0336% | 5,010 |
| Noninterest income to average assets | 0.1580% | 5,527 |
| Noninterest expense to average assets | 1.5659% | 5,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1163% | 1,902 |
| Return on assets (ROA) | 1.1198% | 2,002 |
| Pretax return on assets | 1.4869% | 1,717 |
| Return on Equity (ROE) | 6.2500% | 3,936 |
| Retained earnings to average equity (ytd only) | 6.2500% | 1,991 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3720% | 5,483 |
| Assets per employee ($millions) | 7.2277% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7765% | 1,124 |
| Loan loss allowance to noncurrent loans | 565.9574% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 5,077 |
| Noncurrent loans to loans | 0.3139% | 4,238 |
| Net loans and leases to total assets | 33.9137% | 5,681 |
| Net loans and leases to deposits | 41.9960% | 5,619 |
| Net loans and leases to core deposits | 41.9960% | 5,681 |
| Total domestic deposits to total assets | 80.7545% | 4,344 |
| Equity capital to assets | 18.2770% | 316 |
| Core capital (leverage) ratio | 17.3253% | 341 |
| Tier 1 risk-based capital ratio | 33.9784% | 363 |
| Total risk-based capital ratio | 35.1897% | 354 |
| Memoranda: | ||
| Average total assets | $43,043,330 | 5,604 |
| Average earning assets | $41,007,000 | 5,563 |
| Average equity | $7,712,000 | 5,071 |
| Average total loans | $15,932,330 | 5,767 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4604% | 4,983 |
| Cost of funding earning assets | 0.3834% | 3,264 |
| Net interest margin | 3.0770% | 4,930 |
| Noninterest income to average assets | 0.0466% | 5,978 |
| Noninterest expense to average assets | 1.6604% | 5,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9701% | 2,412 |
| Return on assets (ROA) | 0.9701% | 2,524 |
| Pretax return on assets | 1.3059% | 2,277 |
| Return on Equity (ROE) | 5.4701% | 4,245 |
| Retained earnings to average equity (ytd only) | 5.4701% | 2,674 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9748% | 5,191 |
| Assets per employee ($millions) | 7.1660% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7821% | 1,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 34.0962% | 5,712 |
| Net loans and leases to deposits | 41.9360% | 5,653 |
| Net loans and leases to core deposits | 41.9360% | 5,713 |
| Total domestic deposits to total assets | 81.3052% | 4,402 |
| Equity capital to assets | 17.8691% | 335 |
| Core capital (leverage) ratio | 17.7713% | 307 |
| Tier 1 risk-based capital ratio | 34.7995% | 341 |
| Total risk-based capital ratio | 36.0045% | 338 |
| Memoranda: | ||
| Average total assets | $42,882,000 | 5,659 |
| Average earning assets | $40,689,500 | 5,622 |
| Average equity | $7,605,000 | 5,121 |
| Average total loans | $16,412,000 | 5,809 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4097% | 5,136 |
| Cost of funding earning assets | 0.3987% | 3,178 |
| Net interest margin | 3.0110% | 5,113 |
| Noninterest income to average assets | 0.1239% | 5,795 |
| Noninterest expense to average assets | 1.7436% | 5,805 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0008% | 2,361 |
| Return on assets (ROA) | 1.0027% | 2,444 |
| Pretax return on assets | 1.2598% | 2,436 |
| Return on Equity (ROE) | 5.8355% | 4,113 |
| Retained earnings to average equity (ytd only) | 5.4274% | 2,119 |
| Net charge-offs to loans | -0.0700% | 5,672 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0997% | 5,131 |
| Assets per employee ($millions) | 7.1280% | 850 |
| Cash dividends to net income (ytd only)* | 6.9930% | 4,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4862% | 2,075 |
| Loan loss allowance to noncurrent loans | 1,330.0000% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 5,491 |
| Noncurrent loans to loans | 0.1117% | 5,054 |
| Net loans and leases to total assets | 41.2271% | 5,455 |
| Net loans and leases to deposits | 50.4507% | 5,368 |
| Net loans and leases to core deposits | 50.4507% | 5,479 |
| Total domestic deposits to total assets | 81.7176% | 4,255 |
| Equity capital to assets | 17.5996% | 347 |
| Core capital (leverage) ratio | 16.8565% | 380 |
| Tier 1 risk-based capital ratio | 30.0374% | 502 |
| Total risk-based capital ratio | 31.1439% | 500 |
| Memoranda: | ||
| Average total assets | $42,785,600 | 5,708 |
| Average earning assets | $40,882,800 | 5,651 |
| Average equity | $7,351,600 | 5,178 |
| Average total loans | $15,704,400 | 5,873 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3514% | 5,314 |
| Cost of funding earning assets | 0.3937% | 3,287 |
| Net interest margin | 2.9577% | 5,291 |
| Noninterest income to average assets | 0.1371% | 5,801 |
| Noninterest expense to average assets | 1.6545% | 5,940 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0127% | 2,406 |
| Return on assets (ROA) | 1.0127% | 2,506 |
| Pretax return on assets | 1.3149% | 2,333 |
| Return on Equity (ROE) | 5.9296% | 4,184 |
| Retained earnings to average equity (ytd only) | 5.9296% | 2,290 |
| Net charge-offs to loans | -0.0880% | 5,737 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7188% | 5,385 |
| Assets per employee ($millions) | 6.9912% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6326% | 1,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 38.0647% | 5,700 |
| Net loans and leases to deposits | 46.7322% | 5,623 |
| Net loans and leases to core deposits | 46.7322% | 5,705 |
| Total domestic deposits to total assets | 81.4528% | 4,349 |
| Equity capital to assets | 17.8034% | 357 |
| Core capital (leverage) ratio | 16.5191% | 425 |
| Tier 1 risk-based capital ratio | 31.5820% | 455 |
| Total risk-based capital ratio | 32.7530% | 455 |
| Memoranda: | ||
| Average total assets | $42,790,000 | 5,784 |
| Average earning assets | $40,977,000 | 5,723 |
| Average equity | $7,307,750 | 5,255 |
| Average total loans | $15,156,000 | 5,968 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2811% | 5,474 |
| Cost of funding earning assets | 0.3926% | 3,349 |
| Net interest margin | 2.8886% | 5,463 |
| Noninterest income to average assets | 0.1811% | 5,604 |
| Noninterest expense to average assets | 1.4534% | 6,138 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1377% | 1,815 |
| Return on assets (ROA) | 1.1377% | 1,894 |
| Pretax return on assets | 1.4952% | 1,661 |
| Return on Equity (ROE) | 6.7546% | 3,759 |
| Retained earnings to average equity (ytd only) | 6.7546% | 1,816 |
| Net charge-offs to loans | -0.1352% | 5,896 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2913% | 5,887 |
| Assets per employee ($millions) | 7.2743% | 735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8358% | 1,299 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 32.4657% | 5,947 |
| Net loans and leases to deposits | 39.2206% | 5,927 |
| Net loans and leases to core deposits | 40.6262% | 5,940 |
| Total domestic deposits to total assets | 82.7773% | 4,038 |
| Equity capital to assets | 16.6636% | 451 |
| Core capital (leverage) ratio | 16.3532% | 423 |
| Tier 1 risk-based capital ratio | 35.8309% | 342 |
| Total risk-based capital ratio | 37.0780% | 340 |
| Memoranda: | ||
| Average total assets | $43,071,000 | 5,839 |
| Average earning assets | $41,266,330 | 5,783 |
| Average equity | $7,254,330 | 5,305 |
| Average total loans | $14,797,330 | 6,038 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3093% | 5,425 |
| Cost of funding earning assets | 0.3905% | 3,404 |
| Net interest margin | 2.9189% | 5,410 |
| Noninterest income to average assets | 0.0467% | 6,238 |
| Noninterest expense to average assets | 1.4772% | 6,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0191% | 2,167 |
| Return on assets (ROA) | 1.0191% | 2,312 |
| Pretax return on assets | 1.3650% | 2,020 |
| Return on Equity (ROE) | 6.0179% | 4,035 |
| Retained earnings to average equity (ytd only) | 6.0179% | 2,500 |
| Net charge-offs to loans | -0.2670% | 6,117 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9737% | 5,810 |
| Assets per employee ($millions) | 7.2190% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9553% | 1,171 |
| Loan loss allowance to noncurrent loans | 1,766.6667% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 5,799 |
| Noncurrent loans to loans | 0.1107% | 5,366 |
| Net loans and leases to total assets | 30.6783% | 6,048 |
| Net loans and leases to deposits | 37.3794% | 6,008 |
| Net loans and leases to core deposits | 37.3794% | 6,065 |
| Total domestic deposits to total assets | 82.0728% | 4,489 |
| Equity capital to assets | 17.0153% | 424 |
| Core capital (leverage) ratio | 16.1097% | 450 |
| Tier 1 risk-based capital ratio | 34.0438% | 391 |
| Total risk-based capital ratio | 34.0438% | 433 |
| Memoranda: | ||
| Average total assets | $42,783,500 | 5,898 |
| Average earning assets | $40,975,000 | 5,839 |
| Average equity | $7,245,000 | 5,355 |
| Average total loans | $14,978,500 | 6,085 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3271% | 5,664 |
| Cost of funding earning assets | 0.4274% | 3,413 |
| Net interest margin | 2.8998% | 5,644 |
| Noninterest income to average assets | 0.1361% | 6,011 |
| Noninterest expense to average assets | 1.6610% | 6,195 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0674% | 2,097 |
| Return on assets (ROA) | 1.0774% | 2,117 |
| Pretax return on assets | 1.2573% | 2,408 |
| Return on Equity (ROE) | 6.9986% | 3,636 |
| Retained earnings to average equity (ytd only) | 6.5490% | 1,618 |
| Net charge-offs to loans | 0.1596% | 2,435 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 24.5455% | 1,527 |
| Efficiency ratio | 57.1429% | 5,551 |
| Assets per employee ($millions) | 7.0422% | 829 |
| Cash dividends to net income (ytd only)* | 6.4240% | 4,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5545% | 2,243 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 38.2198% | 5,836 |
| Net loans and leases to deposits | 46.8481% | 5,756 |
| Net loans and leases to core deposits | 49.9289% | 5,718 |
| Total domestic deposits to total assets | 81.5824% | 4,572 |
| Equity capital to assets | 16.8509% | 437 |
| Core capital (leverage) ratio | 15.8214% | 488 |
| Tier 1 risk-based capital ratio | 30.6597% | 487 |
| Total risk-based capital ratio | 31.8055% | 482 |
| Memoranda: | ||
| Average total assets | $43,346,400 | 5,946 |
| Average earning assets | $41,417,000 | 5,886 |
| Average equity | $6,672,800 | 5,488 |
| Average total loans | $13,786,200 | 6,201 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2761% | 5,798 |
| Cost of funding earning assets | 0.4195% | 3,581 |
| Net interest margin | 2.8566% | 5,784 |
| Noninterest income to average assets | 0.1589% | 5,959 |
| Noninterest expense to average assets | 1.5497% | 6,322 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0464% | 2,246 |
| Return on assets (ROA) | 1.0607% | 2,259 |
| Pretax return on assets | 1.3541% | 2,174 |
| Return on Equity (ROE) | 7.0517% | 3,688 |
| Retained earnings to average equity (ytd only) | 7.0517% | 1,791 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7076% | 5,849 |
| Assets per employee ($millions) | 7.1490% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0232% | 1,217 |
| Loan loss allowance to noncurrent loans | 893.5484% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 5,868 |
| Noncurrent loans to loans | 0.2264% | 5,216 |
| Net loans and leases to total assets | 31.2724% | 6,212 |
| Net loans and leases to deposits | 37.5479% | 6,200 |
| Net loans and leases to core deposits | 38.9094% | 6,210 |
| Total domestic deposits to total assets | 83.2867% | 4,034 |
| Equity capital to assets | 16.0792% | 550 |
| Core capital (leverage) ratio | 15.5106% | 540 |
| Tier 1 risk-based capital ratio | 31.8150% | 449 |
| Total risk-based capital ratio | 33.0624% | 441 |
| Memoranda: | ||
| Average total assets | $43,619,750 | 6,007 |
| Average earning assets | $41,633,750 | 5,952 |
| Average equity | $6,561,000 | 5,562 |
| Average total loans | $13,131,750 | 6,297 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2041% | 5,947 |
| Cost of funding earning assets | 0.4154% | 3,702 |
| Net interest margin | 2.7887% | 5,932 |
| Noninterest income to average assets | 0.2143% | 5,668 |
| Noninterest expense to average assets | 1.5914% | 6,364 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0396% | 2,165 |
| Return on assets (ROA) | 1.0396% | 2,232 |
| Pretax return on assets | 1.2859% | 2,313 |
| Return on Equity (ROE) | 7.0709% | 3,593 |
| Retained earnings to average equity (ytd only) | 7.0709% | 1,738 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3090% | 5,806 |
| Assets per employee ($millions) | 7.2522% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2614% | 942 |
| Loan loss allowance to noncurrent loans | 329.7619% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 5,551 |
| Noncurrent loans to loans | 0.6858% | 4,000 |
| Net loans and leases to total assets | 27.5136% | 6,384 |
| Net loans and leases to deposits | 32.7265% | 6,372 |
| Net loans and leases to core deposits | 33.4171% | 6,383 |
| Total domestic deposits to total assets | 84.0714% | 3,899 |
| Equity capital to assets | 15.4552% | 625 |
| Core capital (leverage) ratio | 15.0961% | 593 |
| Tier 1 risk-based capital ratio | 31.4785% | 462 |
| Total risk-based capital ratio | 32.7256% | 455 |
| Memoranda: | ||
| Average total assets | $43,861,670 | 6,061 |
| Average earning assets | $41,883,670 | 6,005 |
| Average equity | $6,449,000 | 5,614 |
| Average total loans | $12,945,330 | 6,358 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2216% | 5,974 |
| Cost of funding earning assets | 0.4194% | 3,766 |
| Net interest margin | 2.8022% | 5,929 |
| Noninterest income to average assets | 0.0363% | 6,521 |
| Noninterest expense to average assets | 1.6804% | 6,363 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7993% | 3,159 |
| Return on assets (ROA) | 0.7993% | 3,237 |
| Pretax return on assets | 1.0264% | 3,223 |
| Return on Equity (ROE) | 5.5776% | 4,244 |
| Retained earnings to average equity (ytd only) | 5.5776% | 2,752 |
| Net charge-offs to loans | 0.0301% | 2,982 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 113.0000% | 414 |
| Efficiency ratio | 62.0805% | 5,105 |
| Assets per employee ($millions) | 7.2217% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4196% | 890 |
| Loan loss allowance to noncurrent loans | 3,942.8571% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 6,269 |
| Noncurrent loans to loans | 0.0614% | 5,966 |
| Net loans and leases to total assets | 25.6889% | 6,475 |
| Net loans and leases to deposits | 30.2120% | 6,477 |
| Net loans and leases to core deposits | 30.8440% | 6,483 |
| Total domestic deposits to total assets | 85.0288% | 3,850 |
| Equity capital to assets | 14.8835% | 700 |
| Core capital (leverage) ratio | 15.0286% | 601 |
| Tier 1 risk-based capital ratio | 32.0638% | 445 |
| Total risk-based capital ratio | 33.3119% | 439 |
| Memoranda: | ||
| Average total assets | $44,036,000 | 6,117 |
| Average earning assets | $41,966,500 | 6,056 |
| Average equity | $6,311,000 | 5,688 |
| Average total loans | $13,293,500 | 6,407 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3286% | 5,957 |
| Cost of funding earning assets | 0.4690% | 3,925 |
| Net interest margin | 2.8597% | 5,882 |
| Noninterest income to average assets | 0.1105% | 6,351 |
| Noninterest expense to average assets | 1.8285% | 6,277 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9080% | 2,735 |
| Return on assets (ROA) | 0.9142% | 2,799 |
| Pretax return on assets | 1.0133% | 3,298 |
| Return on Equity (ROE) | 6.1313% | 4,012 |
| Retained earnings to average equity (ytd only) | 5.6680% | 2,174 |
| Net charge-offs to loans | -0.0891% | 6,450 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5004% | 4,817 |
| Assets per employee ($millions) | 5.5928% | 1,572 |
| Cash dividends to net income (ytd only)* | 7.5567% | 4,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8248% | 1,991 |
| Loan loss allowance to noncurrent loans | 27,700.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 6,446 |
| Noncurrent loans to loans | 0.0066% | 6,278 |
| Net loans and leases to total assets | 33.3087% | 6,322 |
| Net loans and leases to deposits | 43.1346% | 6,166 |
| Net loans and leases to core deposits | 44.0956% | 6,218 |
| Total domestic deposits to total assets | 77.2205% | 5,937 |
| Equity capital to assets | 13.7969% | 965 |
| Core capital (leverage) ratio | 14.8232% | 627 |
| Tier 1 risk-based capital ratio | 27.0353% | 678 |
| Total risk-based capital ratio | 28.2080% | 670 |
| Memoranda: | ||
| Average total assets | $43,423,800 | 6,190 |
| Average earning assets | $41,368,400 | 6,131 |
| Average equity | $6,475,000 | 5,702 |
| Average total loans | $12,342,000 | 6,506 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3178% | 6,034 |
| Cost of funding earning assets | 0.4837% | 3,926 |
| Net interest margin | 2.8341% | 5,957 |
| Noninterest income to average assets | 0.1299% | 6,368 |
| Noninterest expense to average assets | 1.7171% | 6,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9230% | 2,723 |
| Return on assets (ROA) | 0.9282% | 2,807 |
| Pretax return on assets | 1.1200% | 3,017 |
| Return on Equity (ROE) | 6.1063% | 4,132 |
| Retained earnings to average equity (ytd only) | 6.1063% | 2,341 |
| Net charge-offs to loans | 0.0114% | 4,914 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 360.8947% | 163 |
| Efficiency ratio | 60.6557% | 5,337 |
| Assets per employee ($millions) | 5.4381% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2215% | 1,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 26.8107% | 6,631 |
| Net loans and leases to deposits | 31.2876% | 6,632 |
| Net loans and leases to core deposits | 31.9317% | 6,648 |
| Total domestic deposits to total assets | 85.6913% | 3,407 |
| Equity capital to assets | 14.2903% | 879 |
| Core capital (leverage) ratio | 14.8887% | 658 |
| Tier 1 risk-based capital ratio | 31.6485% | 450 |
| Total risk-based capital ratio | 32.8959% | 444 |
| Memoranda: | ||
| Average total assets | $43,094,250 | 6,265 |
| Average earning assets | $41,070,000 | 6,207 |
| Average equity | $6,550,500 | 5,748 |
| Average total loans | $11,632,500 | 6,603 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3085% | 6,073 |
| Cost of funding earning assets | 0.4887% | 4,004 |
| Net interest margin | 2.8198% | 5,964 |
| Noninterest income to average assets | 0.1769% | 6,148 |
| Noninterest expense to average assets | 1.6668% | 6,535 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9933% | 2,356 |
| Return on assets (ROA) | 1.0010% | 2,462 |
| Pretax return on assets | 1.2058% | 2,651 |
| Return on Equity (ROE) | 6.4548% | 3,903 |
| Retained earnings to average equity (ytd only) | 6.4548% | 2,171 |
| Net charge-offs to loans | 0.0173% | 4,493 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 257.0000% | 203 |
| Efficiency ratio | 58.2114% | 5,705 |
| Assets per employee ($millions) | 5.2955% | 1,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5731% | 908 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 23.6852% | 6,728 |
| Net loans and leases to deposits | 27.8924% | 6,739 |
| Net loans and leases to core deposits | 28.4871% | 6,745 |
| Total domestic deposits to total assets | 84.9164% | 3,927 |
| Equity capital to assets | 14.8239% | 747 |
| Core capital (leverage) ratio | 14.1882% | 776 |
| Tier 1 risk-based capital ratio | 32.9614% | 406 |
| Total risk-based capital ratio | 34.2094% | 400 |
| Memoranda: | ||
| Average total assets | $42,957,330 | 6,318 |
| Average earning assets | $40,925,330 | 6,259 |
| Average equity | $6,661,670 | 5,769 |
| Average total loans | $11,533,670 | 6,650 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3613% | 6,022 |
| Cost of funding earning assets | 0.5052% | 4,035 |
| Net interest margin | 2.8562% | 5,898 |
| Noninterest income to average assets | 0.0555% | 6,714 |
| Noninterest expense to average assets | 1.6276% | 6,647 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9647% | 2,376 |
| Return on assets (ROA) | 0.9803% | 2,444 |
| Pretax return on assets | 1.1652% | 2,701 |
| Return on Equity (ROE) | 6.1875% | 3,946 |
| Retained earnings to average equity (ytd only) | 6.1875% | 2,578 |
| Net charge-offs to loans | -0.0329% | 5,937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6667% | 5,760 |
| Assets per employee ($millions) | 6.5061% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6837% | 934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 21.2590% | 6,834 |
| Net loans and leases to deposits | 25.6579% | 6,828 |
| Net loans and leases to core deposits | 25.6579% | 6,842 |
| Total domestic deposits to total assets | 82.8558% | 4,904 |
| Equity capital to assets | 15.0627% | 743 |
| Core capital (leverage) ratio | 13.9980% | 800 |
| Tier 1 risk-based capital ratio | 30.6629% | 504 |
| Total risk-based capital ratio | 31.9097% | 496 |
| Memoranda: | ||
| Average total assets | $43,254,000 | 6,367 |
| Average earning assets | $41,174,000 | 6,305 |
| Average equity | $6,852,500 | 5,778 |
| Average total loans | $12,151,000 | 6,692 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6133% | 6,206 |
| Cost of funding earning assets | 0.6358% | 4,038 |
| Net interest margin | 2.9775% | 6,091 |
| Noninterest income to average assets | 0.1274% | 6,400 |
| Noninterest expense to average assets | 1.7422% | 6,686 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9679% | 2,470 |
| Return on assets (ROA) | 1.0242% | 2,445 |
| Pretax return on assets | 1.2644% | 2,545 |
| Return on Equity (ROE) | 6.3675% | 3,975 |
| Retained earnings to average equity (ytd only) | 5.9105% | 2,134 |
| Net charge-offs to loans | -0.0742% | 6,779 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0532% | 5,694 |
| Assets per employee ($millions) | 5.8521% | 1,394 |
| Cash dividends to net income (ytd only)* | 7.1770% | 4,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8533% | 2,431 |
| Loan loss allowance to noncurrent loans | 1,564.7059% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 6,540 |
| Noncurrent loans to loans | 0.1184% | 6,181 |
| Net loans and leases to total assets | 34.3879% | 6,527 |
| Net loans and leases to deposits | 42.5422% | 6,440 |
| Net loans and leases to core deposits | 42.5422% | 6,523 |
| Total domestic deposits to total assets | 80.8324% | 5,447 |
| Equity capital to assets | 16.7094% | 449 |
| Core capital (leverage) ratio | 14.6131% | 650 |
| Tier 1 risk-based capital ratio | 26.8068% | 705 |
| Total risk-based capital ratio | 27.9913% | 703 |
| Memoranda: | ||
| Average total assets | $40,811,200 | 6,479 |
| Average earning assets | $38,690,000 | 6,409 |
| Average equity | $6,564,600 | 5,878 |
| Average total loans | $13,471,200 | 6,716 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6059% | 6,388 |
| Cost of funding earning assets | 0.6506% | 4,196 |
| Net interest margin | 2.9553% | 6,262 |
| Noninterest income to average assets | 0.1439% | 6,424 |
| Noninterest expense to average assets | 1.5958% | 6,878 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0693% | 2,216 |
| Return on assets (ROA) | 1.0693% | 2,426 |
| Pretax return on assets | 1.3407% | 2,448 |
| Return on Equity (ROE) | 6.7132% | 3,951 |
| Retained earnings to average equity (ytd only) | 6.7132% | 2,274 |
| Net charge-offs to loans | -0.1207% | 6,901 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3430% | 6,218 |
| Assets per employee ($millions) | 5.8829% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2483% | 1,611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 28.2953% | 6,870 |
| Net loans and leases to deposits | 34.9113% | 6,839 |
| Net loans and leases to core deposits | 34.9113% | 6,880 |
| Total domestic deposits to total assets | 81.0491% | 5,336 |
| Equity capital to assets | 16.4376% | 538 |
| Core capital (leverage) ratio | 14.4262% | 729 |
| Tier 1 risk-based capital ratio | 28.7680% | 603 |
| Total risk-based capital ratio | 30.0623% | 589 |
| Memoranda: | ||
| Average total assets | $40,772,750 | 6,559 |
| Average earning assets | $38,528,250 | 6,489 |
| Average equity | $6,494,500 | 5,964 |
| Average total loans | $13,250,750 | 6,816 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5919% | 6,499 |
| Cost of funding earning assets | 0.6654% | 4,319 |
| Net interest margin | 2.9265% | 6,387 |
| Noninterest income to average assets | 0.1919% | 6,181 |
| Noninterest expense to average assets | 1.5700% | 6,958 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1172% | 1,989 |
| Return on assets (ROA) | 1.1172% | 2,199 |
| Pretax return on assets | 1.3928% | 2,223 |
| Return on Equity (ROE) | 7.0904% | 3,729 |
| Retained earnings to average equity (ytd only) | 7.0904% | 2,049 |
| Net charge-offs to loans | -0.0292% | 6,517 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9900% | 6,421 |
| Assets per employee ($millions) | 5.9379% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1922% | 1,786 |
| Loan loss allowance to noncurrent loans | 25,800.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 6,862 |
| Noncurrent loans to loans | 0.0085% | 6,694 |
| Net loans and leases to total assets | 27.6940% | 6,941 |
| Net loans and leases to deposits | 33.9257% | 6,922 |
| Net loans and leases to core deposits | 33.9257% | 6,961 |
| Total domestic deposits to total assets | 81.6312% | 5,253 |
| Equity capital to assets | 15.9341% | 595 |
| Core capital (leverage) ratio | 14.2371% | 750 |
| Tier 1 risk-based capital ratio | 28.2197% | 625 |
| Total risk-based capital ratio | 29.4628% | 618 |
| Memoranda: | ||
| Average total assets | $40,637,000 | 6,613 |
| Average earning assets | $38,475,670 | 6,531 |
| Average equity | $6,403,000 | 6,011 |
| Average total loans | $13,694,330 | 6,855 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6368% | 6,530 |
| Cost of funding earning assets | 0.6852% | 4,408 |
| Net interest margin | 2.9516% | 6,385 |
| Noninterest income to average assets | 0.0498% | 6,929 |
| Noninterest expense to average assets | 1.6230% | 6,955 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9559% | 2,656 |
| Return on assets (ROA) | 0.9559% | 2,866 |
| Pretax return on assets | 1.2147% | 2,861 |
| Return on Equity (ROE) | 6.1020% | 4,237 |
| Retained earnings to average equity (ytd only) | 6.1020% | 2,895 |
| Net charge-offs to loans | -0.0273% | 6,303 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1930% | 6,017 |
| Assets per employee ($millions) | 5.8223% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1004% | 2,103 |
| Loan loss allowance to noncurrent loans | 951.8519% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 6,722 |
| Noncurrent loans to loans | 0.2207% | 6,246 |
| Net loans and leases to total assets | 29.3920% | 6,932 |
| Net loans and leases to deposits | 35.8352% | 6,898 |
| Net loans and leases to core deposits | 35.8352% | 6,946 |
| Total domestic deposits to total assets | 82.0198% | 5,290 |
| Equity capital to assets | 15.6247% | 636 |
| Core capital (leverage) ratio | 14.5923% | 675 |
| Tier 1 risk-based capital ratio | 27.5580% | 681 |
| Total risk-based capital ratio | 28.7131% | 671 |
| Memoranda: | ||
| Average total assets | $40,173,000 | 6,679 |
| Average earning assets | $37,945,000 | 6,607 |
| Average equity | $6,293,000 | 6,072 |
| Average total loans | $14,657,000 | 6,882 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1545% | 6,177 |
| Cost of funding earning assets | 0.8980% | 4,130 |
| Net interest margin | 3.2566% | 5,939 |
| Noninterest income to average assets | 0.1837% | 6,181 |
| Noninterest expense to average assets | 2.0038% | 6,668 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0252% | 2,103 |
| Return on assets (ROA) | 1.0252% | 2,255 |
| Pretax return on assets | 1.2418% | 2,321 |
| Return on Equity (ROE) | 6.4845% | 3,653 |
| Retained earnings to average equity (ytd only) | 5.9644% | 2,038 |
| Net charge-offs to loans | 0.2843% | 4,002 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 10.7857% | 1,793 |
| Efficiency ratio | 61.7399% | 5,500 |
| Assets per employee ($millions) | 5.6557% | 1,474 |
| Cash dividends to net income (ytd only)* | 8.0214% | 3,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4990% | 4,034 |
| Loan loss allowance to noncurrent loans | 533.3333% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.1212% | 6,653 |
| Noncurrent loans to loans | 0.2811% | 6,162 |
| Net loans and leases to total assets | 42.4905% | 6,337 |
| Net loans and leases to deposits | 57.4365% | 5,759 |
| Net loans and leases to core deposits | 57.4365% | 6,046 |
| Total domestic deposits to total assets | 73.9783% | 6,720 |
| Equity capital to assets | 15.7060% | 629 |
| Core capital (leverage) ratio | 14.7644% | 658 |
| Tier 1 risk-based capital ratio | 22.9877% | 1,101 |
| Total risk-based capital ratio | 24.0477% | 1,101 |
| Memoranda: | ||
| Average total assets | $36,480,200 | 6,782 |
| Average earning assets | $34,300,000 | 6,743 |
| Average equity | $5,767,600 | 6,213 |
| Average total loans | $14,775,600 | 6,913 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2082% | 6,187 |
| Cost of funding earning assets | 0.9409% | 4,103 |
| Net interest margin | 3.2673% | 5,959 |
| Noninterest income to average assets | 0.2054% | 6,137 |
| Noninterest expense to average assets | 1.9195% | 6,828 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1017% | 1,965 |
| Return on assets (ROA) | 1.1017% | 2,108 |
| Pretax return on assets | 1.3593% | 2,085 |
| Return on Equity (ROE) | 6.9553% | 3,546 |
| Retained earnings to average equity (ytd only) | 6.9553% | 1,992 |
| Net charge-offs to loans | 0.0563% | 5,409 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 60.6650% | 544 |
| Efficiency ratio | 58.5421% | 5,930 |
| Assets per employee ($millions) | 5.2064% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1039% | 2,059 |
| Loan loss allowance to noncurrent loans | 231.7460% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 6,202 |
| Noncurrent loans to loans | 0.9078% | 5,049 |
| Net loans and leases to total assets | 37.2808% | 6,810 |
| Net loans and leases to deposits | 46.4958% | 6,721 |
| Net loans and leases to core deposits | 46.4958% | 6,825 |
| Total domestic deposits to total assets | 80.1811% | 5,680 |
| Equity capital to assets | 16.8665% | 496 |
| Core capital (leverage) ratio | 15.0442% | 652 |
| Tier 1 risk-based capital ratio | 25.7330% | 859 |
| Total risk-based capital ratio | 26.9815% | 839 |
| Memoranda: | ||
| Average total assets | $35,702,750 | 6,866 |
| Average earning assets | $33,584,500 | 6,828 |
| Average equity | $5,655,000 | 6,290 |
| Average total loans | $14,200,000 | 7,012 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1897% | 6,299 |
| Cost of funding earning assets | 0.9696% | 4,173 |
| Net interest margin | 3.2201% | 6,099 |
| Noninterest income to average assets | 0.2651% | 5,754 |
| Noninterest expense to average assets | 1.9743% | 6,842 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1056% | 1,857 |
| Return on assets (ROA) | 1.1056% | 1,943 |
| Pretax return on assets | 1.3256% | 2,055 |
| Return on Equity (ROE) | 7.1390% | 3,382 |
| Retained earnings to average equity (ytd only) | 7.1390% | 1,814 |
| Net charge-offs to loans | 0.0839% | 4,804 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 39.1667% | 752 |
| Efficiency ratio | 59.8291% | 5,899 |
| Assets per employee ($millions) | 5.2780% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1866% | 1,952 |
| Loan loss allowance to noncurrent loans | 66.2132% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 1.1936% | 4,505 |
| Noncurrent loans to loans | 3.3024% | 2,164 |
| Net loans and leases to total assets | 35.3543% | 6,990 |
| Net loans and leases to deposits | 43.1987% | 6,946 |
| Net loans and leases to core deposits | 43.1987% | 7,035 |
| Total domestic deposits to total assets | 81.8411% | 5,218 |
| Equity capital to assets | 15.6634% | 663 |
| Core capital (leverage) ratio | 14.8678% | 695 |
| Tier 1 risk-based capital ratio | 25.4067% | 865 |
| Total risk-based capital ratio | 26.6385% | 850 |
| Memoranda: | ||
| Average total assets | $35,455,330 | 6,940 |
| Average earning assets | $33,415,000 | 6,892 |
| Average equity | $5,491,000 | 6,369 |
| Average total loans | $14,307,000 | 7,072 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2258% | 6,218 |
| Cost of funding earning assets | 1.0044% | 4,174 |
| Net interest margin | 3.2214% | 6,008 |
| Noninterest income to average assets | 0.1152% | 6,837 |
| Noninterest expense to average assets | 1.8438% | 7,083 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0372% | 2,041 |
| Return on assets (ROA) | 1.0372% | 2,095 |
| Pretax return on assets | 1.3022% | 2,037 |
| Return on Equity (ROE) | 6.7378% | 3,515 |
| Retained earnings to average equity (ytd only) | 6.7378% | 2,269 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6081% | 6,190 |
| Assets per employee ($millions) | 5.0549% | 2,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3309% | 1,717 |
| Loan loss allowance to noncurrent loans | 231.0078% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.3646% | 6,294 |
| Noncurrent loans to loans | 1.0090% | 5,038 |
| Net loans and leases to total assets | 35.2900% | 7,034 |
| Net loans and leases to deposits | 42.7842% | 6,999 |
| Net loans and leases to core deposits | 42.7842% | 7,082 |
| Total domestic deposits to total assets | 82.4836% | 5,115 |
| Equity capital to assets | 15.3714% | 690 |
| Core capital (leverage) ratio | 15.1242% | 643 |
| Tier 1 risk-based capital ratio | 24.5870% | 921 |
| Total risk-based capital ratio | 25.8353% | 900 |
| Memoranda: | ||
| Average total assets | $34,710,000 | 7,020 |
| Average earning assets | $32,656,500 | 6,965 |
| Average equity | $5,343,000 | 6,440 |
| Average total loans | $14,783,500 | 7,104 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7620% | 5,576 |
| Cost of funding earning assets | 1.1970% | 4,577 |
| Net interest margin | 3.5650% | 4,979 |
| Noninterest income to average assets | 0.1673% | 6,532 |
| Noninterest expense to average assets | 2.3184% | 6,307 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9980% | 2,047 |
| Return on assets (ROA) | 0.9980% | 2,150 |
| Pretax return on assets | 1.1836% | 2,280 |
| Return on Equity (ROE) | 6.2879% | 3,457 |
| Retained earnings to average equity (ytd only) | 5.7128% | 1,983 |
| Net charge-offs to loans | -0.2762% | 7,563 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2033% | 4,932 |
| Assets per employee ($millions) | 4.8623% | 2,333 |
| Cash dividends to net income (ytd only)* | 9.1463% | 3,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7757% | 2,941 |
| Loan loss allowance to noncurrent loans | 301.0101% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2909% | 6,522 |
| Noncurrent loans to loans | 0.5899% | 5,867 |
| Net loans and leases to total assets | 48.4311% | 6,346 |
| Net loans and leases to deposits | 61.0496% | 5,948 |
| Net loans and leases to core deposits | 61.0496% | 6,311 |
| Total domestic deposits to total assets | 79.3307% | 6,003 |
| Equity capital to assets | 15.4160% | 695 |
| Core capital (leverage) ratio | 15.5328% | 575 |
| Tier 1 risk-based capital ratio | 22.9195% | 1,050 |
| Total risk-based capital ratio | 24.1693% | 1,028 |
| Memoranda: | ||
| Average total assets | $32,866,800 | 7,118 |
| Average earning assets | $30,743,600 | 7,063 |
| Average equity | $5,216,400 | 6,588 |
| Average total loans | $15,203,800 | 7,154 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7099% | 5,981 |
| Cost of funding earning assets | 1.2334% | 4,668 |
| Net interest margin | 3.4764% | 5,384 |
| Noninterest income to average assets | 0.1883% | 6,538 |
| Noninterest expense to average assets | 2.1284% | 6,788 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0765% | 1,983 |
| Return on assets (ROA) | 1.0765% | 2,090 |
| Pretax return on assets | 1.3016% | 2,164 |
| Return on Equity (ROE) | 6.7321% | 3,469 |
| Retained earnings to average equity (ytd only) | 6.7321% | 1,975 |
| Net charge-offs to loans | -0.2251% | 7,630 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0525% | 5,611 |
| Assets per employee ($millions) | 4.0665% | 3,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9095% | 2,453 |
| Loan loss allowance to noncurrent loans | 298.9362% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.2889% | 6,646 |
| Noncurrent loans to loans | 0.6388% | 5,932 |
| Net loans and leases to total assets | 44.3717% | 6,812 |
| Net loans and leases to deposits | 55.4894% | 6,649 |
| Net loans and leases to core deposits | 55.4894% | 6,888 |
| Total domestic deposits to total assets | 79.9643% | 5,722 |
| Equity capital to assets | 17.1646% | 501 |
| Core capital (leverage) ratio | 16.0041% | 565 |
| Tier 1 risk-based capital ratio | 25.5041% | 819 |
| Total risk-based capital ratio | 26.7515% | 801 |
| Memoranda: | ||
| Average total assets | $32,574,500 | 7,214 |
| Average earning assets | $30,375,250 | 7,161 |
| Average equity | $5,208,750 | 6,670 |
| Average total loans | $14,809,250 | 7,266 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6492% | 6,315 |
| Cost of funding earning assets | 1.2512% | 4,819 |
| Net interest margin | 3.3980% | 5,651 |
| Noninterest income to average assets | 0.2516% | 6,114 |
| Noninterest expense to average assets | 2.1173% | 6,847 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0863% | 1,902 |
| Return on assets (ROA) | 1.0863% | 1,974 |
| Pretax return on assets | 1.3011% | 2,081 |
| Return on Equity (ROE) | 6.9635% | 3,317 |
| Retained earnings to average equity (ytd only) | 6.9635% | 1,847 |
| Net charge-offs to loans | -0.3504% | 7,703 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9390% | 5,700 |
| Assets per employee ($millions) | 3.9845% | 3,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9936% | 2,202 |
| Loan loss allowance to noncurrent loans | 137.5610% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.6431% | 5,880 |
| Noncurrent loans to loans | 1.4493% | 4,535 |
| Net loans and leases to total assets | 43.4904% | 6,962 |
| Net loans and leases to deposits | 53.6805% | 6,884 |
| Net loans and leases to core deposits | 53.6805% | 7,055 |
| Total domestic deposits to total assets | 81.0171% | 5,393 |
| Equity capital to assets | 16.5610% | 590 |
| Core capital (leverage) ratio | 15.7825% | 595 |
| Tier 1 risk-based capital ratio | 24.7110% | 871 |
| Total risk-based capital ratio | 25.9594% | 855 |
| Memoranda: | ||
| Average total assets | $32,588,670 | 7,266 |
| Average earning assets | $30,370,670 | 7,214 |
| Average equity | $5,083,670 | 6,752 |
| Average total loans | $14,840,330 | 7,322 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6340% | 6,455 |
| Cost of funding earning assets | 1.2531% | 5,096 |
| Net interest margin | 3.3809% | 5,664 |
| Noninterest income to average assets | 0.0850% | 7,281 |
| Noninterest expense to average assets | 2.2583% | 6,516 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8256% | 2,860 |
| Return on assets (ROA) | 0.8256% | 2,953 |
| Pretax return on assets | 0.9713% | 3,201 |
| Return on Equity (ROE) | 5.4553% | 4,125 |
| Retained earnings to average equity (ytd only) | 5.4553% | 2,897 |
| Net charge-offs to loans | -0.1317% | 7,577 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9248% | 4,315 |
| Assets per employee ($millions) | 4.0071% | 3,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8638% | 2,540 |
| Loan loss allowance to noncurrent loans | 308.2353% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 6,807 |
| Noncurrent loans to loans | 0.6047% | 6,093 |
| Net loans and leases to total assets | 43.0327% | 7,059 |
| Net loans and leases to deposits | 52.4624% | 7,011 |
| Net loans and leases to core deposits | 52.4624% | 7,174 |
| Total domestic deposits to total assets | 82.0258% | 5,063 |
| Equity capital to assets | 15.8031% | 699 |
| Core capital (leverage) ratio | 15.2892% | 691 |
| Tier 1 risk-based capital ratio | 24.2074% | 948 |
| Total risk-based capital ratio | 25.3599% | 935 |
| Memoranda: | ||
| Average total assets | $32,945,000 | 7,348 |
| Average earning assets | $30,643,000 | 7,296 |
| Average equity | $4,986,000 | 6,849 |
| Average total loans | $15,188,000 | 7,395 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8254% | 6,894 |
| Cost of funding earning assets | 1.5032% | 5,501 |
| Net interest margin | 3.3222% | 5,655 |
| Noninterest income to average assets | 0.1646% | 6,898 |
| Noninterest expense to average assets | 2.3013% | 6,746 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8447% | 2,373 |
| Return on assets (ROA) | 0.8447% | 2,454 |
| Pretax return on assets | 0.9659% | 2,710 |
| Return on Equity (ROE) | 5.7138% | 3,327 |
| Retained earnings to average equity (ytd only) | 5.0836% | 1,777 |
| Net charge-offs to loans | 0.0345% | 6,784 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 62.2000% | 437 |
| Efficiency ratio | 70.4373% | 4,531 |
| Assets per employee ($millions) | 4.2291% | 3,380 |
| Cash dividends to net income (ytd only)* | 11.0294% | 3,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 3,378 |
| Loan loss allowance to noncurrent loans | 1,168.1818% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 7,334 |
| Noncurrent loans to loans | 0.1348% | 7,093 |
| Net loans and leases to total assets | 47.4744% | 6,849 |
| Net loans and leases to deposits | 61.0955% | 6,551 |
| Net loans and leases to core deposits | 66.3089% | 6,965 |
| Total domestic deposits to total assets | 77.7052% | 6,301 |
| Equity capital to assets | 14.5006% | 1,024 |
| Core capital (leverage) ratio | 15.2831% | 726 |
| Tier 1 risk-based capital ratio | 23.5018% | 993 |
| Total risk-based capital ratio | 24.7320% | 972 |
| Memoranda: | ||
| Average total assets | $32,199,600 | 7,393 |
| Average earning assets | $30,070,000 | 7,351 |
| Average equity | $4,760,400 | 7,039 |
| Average total loans | $14,483,600 | 7,477 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8702% | 6,958 |
| Cost of funding earning assets | 1.5770% | 5,507 |
| Net interest margin | 3.2932% | 5,664 |
| Noninterest income to average assets | 0.1929% | 6,836 |
| Noninterest expense to average assets | 2.2018% | 6,969 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9143% | 2,368 |
| Return on assets (ROA) | 0.9143% | 2,434 |
| Pretax return on assets | 1.0653% | 2,688 |
| Return on Equity (ROE) | 6.1528% | 3,465 |
| Retained earnings to average equity (ytd only) | 6.1528% | 1,877 |
| Net charge-offs to loans | 0.0570% | 6,135 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 42.3325% | 720 |
| Efficiency ratio | 67.3941% | 5,102 |
| Assets per employee ($millions) | 3.9208% | 3,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8501% | 2,151 |
| Loan loss allowance to noncurrent loans | 25,600.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 7,603 |
| Noncurrent loans to loans | 0.0072% | 7,511 |
| Net loans and leases to total assets | 43.2985% | 7,294 |
| Net loans and leases to deposits | 52.7807% | 7,270 |
| Net loans and leases to core deposits | 59.3549% | 7,424 |
| Total domestic deposits to total assets | 82.0347% | 4,661 |
| Equity capital to assets | 15.7463% | 843 |
| Core capital (leverage) ratio | 15.4220% | 781 |
| Tier 1 risk-based capital ratio | 25.2899% | 868 |
| Total risk-based capital ratio | 26.5424% | 848 |
| Memoranda: | ||
| Average total assets | $31,791,250 | 7,471 |
| Average earning assets | $29,676,250 | 7,433 |
| Average equity | $4,724,000 | 7,102 |
| Average total loans | $14,024,750 | 7,566 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8849% | 7,068 |
| Cost of funding earning assets | 1.5858% | 5,789 |
| Net interest margin | 3.2992% | 5,554 |
| Noninterest income to average assets | 0.2505% | 6,497 |
| Noninterest expense to average assets | 2.1420% | 7,188 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9958% | 2,126 |
| Return on assets (ROA) | 0.9958% | 2,221 |
| Pretax return on assets | 1.1837% | 2,350 |
| Return on Equity (ROE) | 6.8353% | 3,268 |
| Retained earnings to average equity (ytd only) | 6.8353% | 1,644 |
| Net charge-offs to loans | 0.0852% | 5,356 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 31.5000% | 960 |
| Efficiency ratio | 64.4068% | 5,826 |
| Assets per employee ($millions) | 4.0063% | 3,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9659% | 1,644 |
| Loan loss allowance to noncurrent loans | 3,200.0000% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 7,562 |
| Noncurrent loans to loans | 0.0614% | 7,374 |
| Net loans and leases to total assets | 39.8315% | 7,559 |
| Net loans and leases to deposits | 47.7109% | 7,573 |
| Net loans and leases to core deposits | 52.8854% | 7,686 |
| Total domestic deposits to total assets | 83.4852% | 4,020 |
| Equity capital to assets | 14.6490% | 1,126 |
| Core capital (leverage) ratio | 15.2432% | 870 |
| Tier 1 risk-based capital ratio | 22.8580% | 1,155 |
| Total risk-based capital ratio | 24.0705% | 1,125 |
| Memoranda: | ||
| Average total assets | $31,933,000 | 7,532 |
| Average earning assets | $29,765,000 | 7,490 |
| Average equity | $4,652,330 | 7,193 |
| Average total loans | $14,087,330 | 7,640 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1795% | 6,377 |
| Cost of funding earning assets | 1.5916% | 6,067 |
| Net interest margin | 3.5879% | 4,368 |
| Noninterest income to average assets | 0.0627% | 7,751 |
| Noninterest expense to average assets | 2.3091% | 6,510 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8910% | 2,733 |
| Return on assets (ROA) | 0.8910% | 2,883 |
| Pretax return on assets | 1.0918% | 3,017 |
| Return on Equity (ROE) | 6.1326% | 3,984 |
| Retained earnings to average equity (ytd only) | 6.1326% | 2,570 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8967% | 4,983 |
| Assets per employee ($millions) | 3.8919% | 3,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0140% | 1,384 |
| Loan loss allowance to noncurrent loans | 1,637.5000% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 7,444 |
| Noncurrent loans to loans | 0.1230% | 7,170 |
| Net loans and leases to total assets | 40.9411% | 7,524 |
| Net loans and leases to deposits | 49.5356% | 7,519 |
| Net loans and leases to core deposits | 54.0356% | 7,680 |
| Total domestic deposits to total assets | 82.6498% | 4,313 |
| Equity capital to assets | 15.1405% | 1,060 |
| Core capital (leverage) ratio | 14.9271% | 986 |
| Tier 1 risk-based capital ratio | 25.2977% | 952 |
| Total risk-based capital ratio | 26.5471% | 926 |
| Memoranda: | ||
| Average total assets | $31,874,500 | 7,575 |
| Average earning assets | $29,655,500 | 7,536 |
| Average equity | $4,631,000 | 7,247 |
| Average total loans | $14,620,000 | 7,659 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6884% | 6,815 |
| Cost of funding earning assets | 2.1113% | 5,995 |
| Net interest margin | 3.5771% | 4,984 |
| Noninterest income to average assets | 0.1098% | 7,583 |
| Noninterest expense to average assets | 2.2022% | 6,957 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9977% | 2,570 |
| Return on assets (ROA) | 1.0204% | 2,360 |
| Pretax return on assets | 1.3013% | 2,303 |
| Return on Equity (ROE) | 7.0476% | 3,508 |
| Retained earnings to average equity (ytd only) | 6.3785% | 1,373 |
| Net charge-offs to loans | 0.1528% | 4,673 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 18.7619% | 1,682 |
| Efficiency ratio | 63.3829% | 5,693 |
| Assets per employee ($millions) | 4.0768% | 3,349 |
| Cash dividends to net income (ytd only)* | 9.4937% | 4,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6142% | 2,182 |
| Loan loss allowance to noncurrent loans | 3,275.0000% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 7,501 |
| Noncurrent loans to loans | 0.0493% | 7,313 |
| Net loans and leases to total assets | 48.9636% | 7,104 |
| Net loans and leases to deposits | 58.5074% | 7,178 |
| Net loans and leases to core deposits | 64.4249% | 7,426 |
| Total domestic deposits to total assets | 83.6880% | 3,485 |
| Equity capital to assets | 13.9449% | 1,442 |
| Core capital (leverage) ratio | 14.5752% | 1,127 |
| Tier 1 risk-based capital ratio | 21.9001% | 1,326 |
| Total risk-based capital ratio | 23.1293% | 1,296 |
| Memoranda: | ||
| Average total assets | $30,969,200 | 7,601 |
| Average earning assets | $29,129,600 | 7,559 |
| Average equity | $4,483,800 | 7,337 |
| Average total loans | $13,739,600 | 7,718 |