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 | 4.7062% | 2,668 |
| Cost of funding earning assets | 1.5745% | 1,760 |
| Net interest margin | 3.1317% | 3,026 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 1.6416% | 4,204 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 1.1323% | 1,824 |
| Return on assets (ROA) | 1.1323% | 1,808 |
| Pretax return on assets | 1.4543% | 1,524 |
| Return on Equity (ROE) | 11.4300% | 2,117 |
| Retained earnings to average equity (ytd only) | 9.4250% | 1,147 |
| Net charge-offs to loans | 0.1794% | 595 |
| Credit loss provision to net charge-offs | 147.3684% | 1,487 |
| Earnings coverage of net charge-offs (x) | 14.8246% | 2,067 |
| Efficiency ratio | 50.4108% | 3,954 |
| Assets per employee ($millions) | 9.1102% | 949 |
| Cash dividends to net income (ytd only)* | 17.5527% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 2,059 |
| Loan loss allowance to noncurrent loans | 723.0088% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 2,351 |
| Noncurrent loans to loans | 0.1718% | 2,662 |
| Net loans and leases to total assets | 59.4100% | 2,894 |
| Net loans and leases to deposits | 72.0794% | 2,749 |
| Net loans and leases to core deposits | 74.4885% | 3,049 |
| Total domestic deposits to total assets | 82.4200% | 3,045 |
| Equity capital to assets | 10.2331% | 1,880 |
| Core capital (leverage) ratio | 12.2660% | 1,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $104,654,800 | 3,784 |
| Average earning assets | $97,934,000 | 3,764 |
| Average equity | $10,366,000 | 3,680 |
| Average total loans | $63,527,800 | 3,654 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6995% | 2,477 |
| Cost of funding earning assets | 1.5221% | 1,551 |
| Net interest margin | 3.1773% | 2,968 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 1.5177% | 4,302 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 1.2755% | 1,592 |
| Return on assets (ROA) | 1.2755% | 1,584 |
| Pretax return on assets | 1.6530% | 1,253 |
| Return on Equity (ROE) | 12.9900% | 1,901 |
| Retained earnings to average equity (ytd only) | 10.2615% | 1,333 |
| Net charge-offs to loans | 0.1059% | 748 |
| Credit loss provision to net charge-offs | 252.0000% | 980 |
| Earnings coverage of net charge-offs (x) | 28.1800% | 1,624 |
| Efficiency ratio | 45.5354% | 4,157 |
| Assets per employee ($millions) | 6.2087% | 2,556 |
| Cash dividends to net income (ytd only)* | 21.0101% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 1,852 |
| Loan loss allowance to noncurrent loans | 266.3492% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.3674% | 1,561 |
| Noncurrent loans to loans | 0.4897% | 1,597 |
| Net loans and leases to total assets | 63.9000% | 2,459 |
| Net loans and leases to deposits | 78.7804% | 2,168 |
| Net loans and leases to core deposits | 81.7424% | 2,485 |
| Total domestic deposits to total assets | 81.1200% | 3,362 |
| Equity capital to assets | 10.5578% | 1,532 |
| Core capital (leverage) ratio | 12.0764% | 1,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $103,488,000 | 3,811 |
| Average earning assets | $97,228,750 | 3,785 |
| Average equity | $10,160,750 | 3,709 |
| Average total loans | $62,969,250 | 3,670 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5771% | 2,463 |
| Cost of funding earning assets | 1.4471% | 1,344 |
| Net interest margin | 3.1300% | 3,152 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 1.4513% | 4,368 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 1.2587% | 1,670 |
| Return on assets (ROA) | 1.2587% | 1,663 |
| Pretax return on assets | 1.6287% | 1,358 |
| Return on Equity (ROE) | 13.1300% | 1,874 |
| Retained earnings to average equity (ytd only) | 8.9935% | 1,687 |
| Net charge-offs to loans | 0.0960% | 696 |
| Credit loss provision to net charge-offs | 280.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 31.2667% | 1,527 |
| Efficiency ratio | 44.7911% | 4,219 |
| Assets per employee ($millions) | 6.3034% | 2,467 |
| Cash dividends to net income (ytd only)* | 31.5152% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 1,997 |
| Loan loss allowance to noncurrent loans | 1,340.9836% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 1,817 |
| Noncurrent loans to loans | 0.0957% | 3,019 |
| Net loans and leases to total assets | 62.3700% | 2,542 |
| Net loans and leases to deposits | 76.5838% | 2,251 |
| Net loans and leases to core deposits | 78.6513% | 2,572 |
| Total domestic deposits to total assets | 81.4400% | 3,350 |
| Equity capital to assets | 10.2009% | 1,743 |
| Core capital (leverage) ratio | 11.7411% | 1,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $104,871,000 | 3,815 |
| Average earning assets | $98,403,333 | 3,794 |
| Average equity | $10,051,667 | 3,738 |
| Average total loans | $62,518,667 | 3,682 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4870% | 2,348 |
| Cost of funding earning assets | 1.3911% | 1,041 |
| Net interest margin | 3.0958% | 3,359 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 1.4746% | 4,409 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 1.2051% | 1,918 |
| Return on assets (ROA) | 1.2051% | 1,877 |
| Pretax return on assets | 1.5494% | 1,576 |
| Return on Equity (ROE) | 12.9700% | 1,994 |
| Retained earnings to average equity (ytd only) | 4.5905% | 3,113 |
| Net charge-offs to loans | 0.0129% | 1,472 |
| Credit loss provision to net charge-offs | 2,100.0000% | 192 |
| Earnings coverage of net charge-offs (x) | 228.0000% | 468 |
| Efficiency ratio | 46.3529% | 4,196 |
| Assets per employee ($millions) | 6.0596% | 2,706 |
| Cash dividends to net income (ytd only)* | 64.5963% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 2,005 |
| Loan loss allowance to noncurrent loans | 343.1624% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.4601% | 1,102 |
| Noncurrent loans to loans | 0.3808% | 1,789 |
| Net loans and leases to total assets | 58.8700% | 2,777 |
| Net loans and leases to deposits | 71.2420% | 2,525 |
| Net loans and leases to core deposits | 72.6484% | 2,770 |
| Total domestic deposits to total assets | 82.6300% | 3,372 |
| Equity capital to assets | 9.8443% | 1,906 |
| Core capital (leverage) ratio | 10.8402% | 1,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $106,879,500 | 3,850 |
| Average earning assets | $99,488,500 | 3,827 |
| Average equity | $9,933,500 | 3,796 |
| Average total loans | $61,919,500 | 3,730 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9917% | 1,739 |
| Cost of funding earning assets | 0.5821% | 974 |
| Net interest margin | 3.4096% | 2,227 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 1.6559% | 4,238 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.3506% | 1,279 |
| Return on assets (ROA) | 1.3506% | 1,236 |
| Pretax return on assets | 1.7296% | 859 |
| Return on Equity (ROE) | 14.6900% | 1,345 |
| Retained earnings to average equity (ytd only) | 12.7973% | 536 |
| Net charge-offs to loans | 0.1508% | 544 |
| Credit loss provision to net charge-offs | 186.6667% | 1,164 |
| Earnings coverage of net charge-offs (x) | 21.9444% | 1,852 |
| Efficiency ratio | 46.6937% | 4,312 |
| Assets per employee ($millions) | 6.5144% | 2,322 |
| Cash dividends to net income (ytd only)* | 12.8987% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 2,280 |
| Loan loss allowance to noncurrent loans | 1,122.0588% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 2,013 |
| Noncurrent loans to loans | 0.1090% | 2,987 |
| Net loans and leases to total assets | 55.6500% | 3,068 |
| Net loans and leases to deposits | 66.1703% | 2,884 |
| Net loans and leases to core deposits | 67.3570% | 3,046 |
| Total domestic deposits to total assets | 84.1000% | 3,185 |
| Equity capital to assets | 8.7823% | 2,507 |
| Core capital (leverage) ratio | 11.0701% | 1,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $104,472,200 | 3,893 |
| Average earning assets | $99,131,800 | 3,847 |
| Average equity | $9,603,600 | 3,917 |
| Average total loans | $59,662,400 | 3,738 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8886% | 1,514 |
| Cost of funding earning assets | 0.4619% | 922 |
| Net interest margin | 3.4267% | 1,880 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.4861% | 4,434 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.4706% | 910 |
| Return on assets (ROA) | 1.4706% | 892 |
| Pretax return on assets | 1.9137% | 562 |
| Return on Equity (ROE) | 15.8100% | 1,014 |
| Retained earnings to average equity (ytd only) | 13.2731% | 572 |
| Net charge-offs to loans | 0.1967% | 333 |
| Credit loss provision to net charge-offs | 144.8276% | 1,139 |
| Earnings coverage of net charge-offs (x) | 18.4253% | 1,760 |
| Efficiency ratio | 41.7091% | 4,528 |
| Assets per employee ($millions) | 5.8069% | 2,923 |
| Cash dividends to net income (ytd only)* | 16.0352% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 2,602 |
| Loan loss allowance to noncurrent loans | 347.5962% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.3961% | 1,371 |
| Noncurrent loans to loans | 0.3414% | 2,006 |
| Net loans and leases to total assets | 60.9900% | 2,402 |
| Net loans and leases to deposits | 72.3119% | 2,180 |
| Net loans and leases to core deposits | 73.5406% | 2,382 |
| Total domestic deposits to total assets | 84.3400% | 3,420 |
| Equity capital to assets | 9.4188% | 1,934 |
| Core capital (leverage) ratio | 10.8984% | 1,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $102,904,000 | 3,928 |
| Average earning assets | $98,712,250 | 3,872 |
| Average equity | $9,573,000 | 3,970 |
| Average total loans | $58,980,000 | 3,763 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6529% | 1,672 |
| Cost of funding earning assets | 0.3673% | 1,128 |
| Net interest margin | 3.2856% | 1,947 |
| Noninterest income to average assets | 0.2685% | 3,562 |
| Noninterest expense to average assets | 1.4401% | 4,490 |
| Loan and lease loss provision to assets | 0.1611% | 574 |
| Net operating income to assets | 1.4056% | 894 |
| Return on assets (ROA) | 1.4056% | 868 |
| Pretax return on assets | 1.8236% | 563 |
| Return on Equity (ROE) | 15.1687% | 858 |
| Retained earnings to average equity (ytd only) | 11.4024% | 718 |
| Net charge-offs to loans | 0.2572% | 256 |
| Credit loss provision to net charge-offs | 112.0000% | 1,211 |
| Earnings coverage of net charge-offs (x) | 13.8000% | 1,676 |
| Efficiency ratio | 42.0493% | 4,567 |
| Assets per employee ($millions) | 5.9099% | 2,827 |
| Cash dividends to net income (ytd only)* | 24.8295% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 2,815 |
| Loan loss allowance to noncurrent loans | 242.3077% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.4529% | 1,249 |
| Noncurrent loans to loans | 0.4852% | 1,657 |
| Net loans and leases to total assets | 57.9801% | 2,541 |
| Net loans and leases to deposits | 68.7696% | 2,321 |
| Net loans and leases to core deposits | 70.1485% | 2,480 |
| Total domestic deposits to total assets | 84.3106% | 3,622 |
| Equity capital to assets | 9.3800% | 2,109 |
| Core capital (leverage) ratio | 10.5146% | 1,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,299,667 | 3,956 |
| Average earning assets | $100,195,000 | 3,916 |
| Average equity | $9,664,667 | 4,035 |
| Average total loans | $58,331,000 | 3,817 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5289% | 1,705 |
| Cost of funding earning assets | 0.3115% | 1,543 |
| Net interest margin | 3.2174% | 1,827 |
| Noninterest income to average assets | 0.2448% | 3,675 |
| Noninterest expense to average assets | 1.5026% | 4,420 |
| Loan and lease loss provision to assets | 0.1582% | 492 |
| Net operating income to assets | 1.2842% | 1,035 |
| Return on assets (ROA) | 1.2842% | 1,026 |
| Pretax return on assets | 1.6570% | 746 |
| Return on Equity (ROE) | 13.9397% | 846 |
| Retained earnings to average equity (ytd only) | 6.4997% | 2,075 |
| Net charge-offs to loans | 0.0483% | 807 |
| Credit loss provision to net charge-offs | 600.0000% | 466 |
| Earnings coverage of net charge-offs (x) | 68.8571% | 802 |
| Efficiency ratio | 45.2894% | 4,522 |
| Assets per employee ($millions) | 6.3649% | 2,485 |
| Cash dividends to net income (ytd only)* | 53.3724% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 2,642 |
| Loan loss allowance to noncurrent loans | 1,672.0930% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 2,523 |
| Noncurrent loans to loans | 0.0743% | 3,475 |
| Net loans and leases to total assets | 56.1435% | 2,513 |
| Net loans and leases to deposits | 66.6682% | 2,278 |
| Net loans and leases to core deposits | 68.8428% | 2,383 |
| Total domestic deposits to total assets | 84.2133% | 3,725 |
| Equity capital to assets | 9.3304% | 2,420 |
| Core capital (leverage) ratio | 9.8059% | 2,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,215,000 | 3,954 |
| Average earning assets | $101,448,500 | 3,924 |
| Average equity | $9,785,000 | 4,080 |
| Average total loans | $58,024,000 | 3,827 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0573% | 1,231 |
| Cost of funding earning assets | 0.3614% | 1,845 |
| Net interest margin | 3.6959% | 1,228 |
| Noninterest income to average assets | 0.2415% | 3,932 |
| Noninterest expense to average assets | 1.6153% | 4,405 |
| Loan and lease loss provision to assets | 0.1317% | 927 |
| Net operating income to assets | 1.5595% | 892 |
| Return on assets (ROA) | 1.5595% | 921 |
| Pretax return on assets | 2.0044% | 595 |
| Return on Equity (ROE) | 16.4177% | 690 |
| Retained earnings to average equity (ytd only) | 14.3064% | 280 |
| Net charge-offs to loans | 0.1662% | 580 |
| Credit loss provision to net charge-offs | 140.4255% | 1,533 |
| Earnings coverage of net charge-offs (x) | 22.7766% | 1,790 |
| Efficiency ratio | 43.0585% | 4,606 |
| Assets per employee ($millions) | 5.2662% | 3,503 |
| Cash dividends to net income (ytd only)* | 12.8599% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 2,990 |
| Loan loss allowance to noncurrent loans | 2,011.7647% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.1610% | 2,815 |
| Noncurrent loans to loans | 0.0585% | 3,658 |
| Net loans and leases to total assets | 51.9653% | 3,071 |
| Net loans and leases to deposits | 61.2323% | 2,966 |
| Net loans and leases to core deposits | 62.9570% | 3,078 |
| Total domestic deposits to total assets | 84.8659% | 3,313 |
| Equity capital to assets | 9.1038% | 3,511 |
| Core capital (leverage) ratio | 10.0077% | 2,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,227,600 | 3,988 |
| Average earning assets | $95,186,600 | 3,963 |
| Average equity | $9,520,200 | 4,190 |
| Average total loans | $56,570,200 | 3,882 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2104% | 1,092 |
| Cost of funding earning assets | 0.3876% | 1,800 |
| Net interest margin | 3.8228% | 1,072 |
| Noninterest income to average assets | 0.2690% | 3,799 |
| Noninterest expense to average assets | 1.5090% | 4,584 |
| Loan and lease loss provision to assets | 0.1393% | 815 |
| Net operating income to assets | 1.7329% | 768 |
| Return on assets (ROA) | 1.7329% | 801 |
| Pretax return on assets | 2.2573% | 494 |
| Return on Equity (ROE) | 18.0317% | 628 |
| Retained earnings to average equity (ytd only) | 15.3461% | 352 |
| Net charge-offs to loans | 0.2112% | 392 |
| Credit loss provision to net charge-offs | 114.6067% | 1,486 |
| Earnings coverage of net charge-offs (x) | 19.7191% | 1,752 |
| Efficiency ratio | 38.6364% | 4,755 |
| Assets per employee ($millions) | 6.1656% | 2,538 |
| Cash dividends to net income (ytd only)* | 14.8936% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 3,223 |
| Loan loss allowance to noncurrent loans | 132.3293% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.5960% | 1,282 |
| Noncurrent loans to loans | 0.8658% | 1,329 |
| Net loans and leases to total assets | 57.6381% | 2,543 |
| Net loans and leases to deposits | 70.1542% | 2,226 |
| Net loans and leases to core deposits | 72.6831% | 2,354 |
| Total domestic deposits to total assets | 82.1591% | 3,904 |
| Equity capital to assets | 10.0649% | 2,836 |
| Core capital (leverage) ratio | 9.8543% | 2,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,636,750 | 4,059 |
| Average earning assets | $92,878,500 | 4,032 |
| Average equity | $9,383,250 | 4,266 |
| Average total loans | $56,174,500 | 3,943 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4137% | 841 |
| Cost of funding earning assets | 0.4084% | 1,816 |
| Net interest margin | 4.0053% | 811 |
| Noninterest income to average assets | 0.2734% | 3,768 |
| Noninterest expense to average assets | 1.4985% | 4,620 |
| Loan and lease loss provision to assets | 0.1418% | 855 |
| Net operating income to assets | 1.8602% | 634 |
| Return on assets (ROA) | 1.8602% | 663 |
| Pretax return on assets | 2.4235% | 400 |
| Return on Equity (ROE) | 19.6711% | 483 |
| Retained earnings to average equity (ytd only) | 15.5630% | 375 |
| Net charge-offs to loans | 0.2584% | 346 |
| Credit loss provision to net charge-offs | 95.8333% | 1,411 |
| Earnings coverage of net charge-offs (x) | 17.3333% | 1,582 |
| Efficiency ratio | 36.8741% | 4,821 |
| Assets per employee ($millions) | 6.1691% | 2,460 |
| Cash dividends to net income (ytd only)* | 20.8840% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1273% | 3,303 |
| Loan loss allowance to noncurrent loans | 367.4286% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 2,415 |
| Noncurrent loans to loans | 0.3068% | 2,826 |
| Net loans and leases to total assets | 57.1374% | 2,773 |
| Net loans and leases to deposits | 69.4155% | 2,477 |
| Net loans and leases to core deposits | 71.9115% | 2,611 |
| Total domestic deposits to total assets | 82.3121% | 3,859 |
| Equity capital to assets | 9.6884% | 3,160 |
| Core capital (leverage) ratio | 9.4248% | 2,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,299,000 | 4,091 |
| Average earning assets | $92,077,000 | 4,066 |
| Average equity | $9,201,333 | 4,301 |
| Average total loans | $55,726,333 | 3,975 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5662% | 707 |
| Cost of funding earning assets | 0.4315% | 1,853 |
| Net interest margin | 4.1347% | 683 |
| Noninterest income to average assets | 0.2899% | 3,674 |
| Noninterest expense to average assets | 1.6150% | 4,511 |
| Loan and lease loss provision to assets | 0.1532% | 842 |
| Net operating income to assets | 1.8552% | 711 |
| Return on assets (ROA) | 1.8552% | 767 |
| Pretax return on assets | 2.4101% | 513 |
| Return on Equity (ROE) | 19.8659% | 541 |
| Retained earnings to average equity (ytd only) | 11.4850% | 1,276 |
| Net charge-offs to loans | 0.3414% | 243 |
| Credit loss provision to net charge-offs | 78.7234% | 1,214 |
| Earnings coverage of net charge-offs (x) | 13.1702% | 1,409 |
| Efficiency ratio | 38.6521% | 4,789 |
| Assets per employee ($millions) | 6.1478% | 2,458 |
| Cash dividends to net income (ytd only)* | 42.1875% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 3,198 |
| Loan loss allowance to noncurrent loans | 220.8333% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 2,479 |
| Noncurrent loans to loans | 0.5200% | 2,293 |
| Net loans and leases to total assets | 55.6560% | 3,083 |
| Net loans and leases to deposits | 65.8519% | 2,932 |
| Net loans and leases to core deposits | 68.4034% | 3,028 |
| Total domestic deposits to total assets | 84.5169% | 3,273 |
| Equity capital to assets | 9.2218% | 3,477 |
| Core capital (leverage) ratio | 9.2062% | 3,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,595,500 | 4,111 |
| Average earning assets | $90,841,000 | 4,085 |
| Average equity | $9,020,500 | 4,332 |
| Average total loans | $55,069,000 | 4,008 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4872% | 1,344 |
| Cost of funding earning assets | 0.6395% | 2,058 |
| Net interest margin | 3.8477% | 1,363 |
| Noninterest income to average assets | 0.2633% | 3,901 |
| Noninterest expense to average assets | 1.6904% | 4,631 |
| Loan and lease loss provision to assets | 0.2783% | 1,375 |
| Net operating income to assets | 1.5426% | 723 |
| Return on assets (ROA) | 1.5426% | 785 |
| Pretax return on assets | 1.9837% | 469 |
| Return on Equity (ROE) | 16.2384% | 475 |
| Retained earnings to average equity (ytd only) | 14.4882% | 171 |
| Net charge-offs to loans | 0.1540% | 1,058 |
| Credit loss provision to net charge-offs | 290.3614% | 1,772 |
| Earnings coverage of net charge-offs (x) | 23.6024% | 1,796 |
| Efficiency ratio | 42.7695% | 4,823 |
| Assets per employee ($millions) | 5.9266% | 2,406 |
| Cash dividends to net income (ytd only)* | 10.7784% | 3,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 3,110 |
| Loan loss allowance to noncurrent loans | 457.1429% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 3,349 |
| Noncurrent loans to loans | 0.2557% | 3,277 |
| Net loans and leases to total assets | 57.0687% | 3,194 |
| Net loans and leases to deposits | 68.1107% | 3,061 |
| Net loans and leases to core deposits | 71.3423% | 3,144 |
| Total domestic deposits to total assets | 83.7882% | 3,172 |
| Equity capital to assets | 9.4594% | 3,651 |
| Core capital (leverage) ratio | 9.7296% | 2,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,608,000 | 4,167 |
| Average earning assets | $83,035,600 | 4,116 |
| Average equity | $8,227,400 | 4,398 |
| Average total loans | $53,910,000 | 4,022 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6041% | 1,293 |
| Cost of funding earning assets | 0.7009% | 2,019 |
| Net interest margin | 3.9032% | 1,344 |
| Noninterest income to average assets | 0.2681% | 3,863 |
| Noninterest expense to average assets | 1.5737% | 4,753 |
| Loan and lease loss provision to assets | 0.1384% | 2,631 |
| Net operating income to assets | 1.7897% | 462 |
| Return on assets (ROA) | 1.7897% | 521 |
| Pretax return on assets | 2.3227% | 268 |
| Return on Equity (ROE) | 18.8180% | 304 |
| Retained earnings to average equity (ytd only) | 16.4637% | 138 |
| Net charge-offs to loans | 0.1390% | 1,044 |
| Credit loss provision to net charge-offs | 157.1429% | 2,287 |
| Earnings coverage of net charge-offs (x) | 27.8750% | 1,647 |
| Efficiency ratio | 38.9996% | 4,916 |
| Assets per employee ($millions) | 5.8024% | 2,445 |
| Cash dividends to net income (ytd only)* | 12.5110% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9107% | 4,035 |
| Loan loss allowance to noncurrent loans | 428.3333% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 3,414 |
| Noncurrent loans to loans | 0.2126% | 3,532 |
| Net loans and leases to total assets | 64.2562% | 2,741 |
| Net loans and leases to deposits | 79.7632% | 2,340 |
| Net loans and leases to core deposits | 84.0752% | 2,466 |
| Total domestic deposits to total assets | 80.5586% | 3,759 |
| Equity capital to assets | 10.0832% | 3,159 |
| Core capital (leverage) ratio | 9.8521% | 2,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,553,500 | 4,194 |
| Average earning assets | $81,606,000 | 4,140 |
| Average equity | $8,041,750 | 4,435 |
| Average total loans | $53,698,500 | 4,055 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6827% | 1,446 |
| Cost of funding earning assets | 0.7710% | 1,991 |
| Net interest margin | 3.9117% | 1,541 |
| Noninterest income to average assets | 0.2843% | 3,761 |
| Noninterest expense to average assets | 1.5957% | 4,780 |
| Loan and lease loss provision to assets | 0.1314% | 2,705 |
| Net operating income to assets | 1.7963% | 505 |
| Return on assets (ROA) | 1.7963% | 554 |
| Pretax return on assets | 2.3386% | 286 |
| Return on Equity (ROE) | 19.2895% | 279 |
| Retained earnings to average equity (ytd only) | 15.5957% | 194 |
| Net charge-offs to loans | 0.1023% | 1,255 |
| Credit loss provision to net charge-offs | 203.7037% | 1,892 |
| Earnings coverage of net charge-offs (x) | 38.2963% | 1,280 |
| Efficiency ratio | 39.2479% | 4,934 |
| Assets per employee ($millions) | 5.7605% | 2,408 |
| Cash dividends to net income (ytd only)* | 19.1489% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 3,900 |
| Loan loss allowance to noncurrent loans | 447.3684% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1551% | 3,747 |
| Noncurrent loans to loans | 0.2069% | 3,642 |
| Net loans and leases to total assets | 63.1835% | 2,983 |
| Net loans and leases to deposits | 78.2074% | 2,630 |
| Net loans and leases to core deposits | 82.1410% | 2,767 |
| Total domestic deposits to total assets | 80.7898% | 3,659 |
| Equity capital to assets | 9.6265% | 3,543 |
| Core capital (leverage) ratio | 9.6343% | 3,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,726,000 | 4,214 |
| Average earning assets | $80,935,667 | 4,154 |
| Average equity | $7,797,000 | 4,486 |
| Average total loans | $52,784,667 | 4,084 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5468% | 2,167 |
| Cost of funding earning assets | 0.9715% | 1,554 |
| Net interest margin | 3.5754% | 2,752 |
| Noninterest income to average assets | 0.3204% | 3,602 |
| Noninterest expense to average assets | 1.7090% | 4,769 |
| Loan and lease loss provision to assets | 0.1117% | 2,286 |
| Net operating income to assets | 1.5148% | 756 |
| Return on assets (ROA) | 1.5148% | 824 |
| Pretax return on assets | 1.9664% | 490 |
| Return on Equity (ROE) | 16.5594% | 377 |
| Retained earnings to average equity (ytd only) | 8.9697% | 982 |
| Net charge-offs to loans | 0.1240% | 964 |
| Credit loss provision to net charge-offs | 143.7500% | 1,605 |
| Earnings coverage of net charge-offs (x) | 26.7500% | 1,247 |
| Efficiency ratio | 45.1282% | 4,856 |
| Assets per employee ($millions) | 5.5478% | 2,066 |
| Cash dividends to net income (ytd only)* | 45.8333% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9377% | 3,979 |
| Loan loss allowance to noncurrent loans | 514.7368% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 3,762 |
| Noncurrent loans to loans | 0.1822% | 3,821 |
| Net loans and leases to total assets | 62.0763% | 3,291 |
| Net loans and leases to deposits | 75.0505% | 3,166 |
| Net loans and leases to core deposits | 78.5231% | 3,315 |
| Total domestic deposits to total assets | 82.7127% | 3,202 |
| Equity capital to assets | 9.0462% | 4,576 |
| Core capital (leverage) ratio | 9.1875% | 4,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,385,500 | 4,232 |
| Average earning assets | $79,880,000 | 4,172 |
| Average equity | $7,536,500 | 4,547 |
| Average total loans | $51,624,500 | 4,122 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6845% | 2,373 |
| Cost of funding earning assets | 1.1626% | 1,118 |
| Net interest margin | 3.5219% | 3,373 |
| Noninterest income to average assets | 0.4120% | 3,220 |
| Noninterest expense to average assets | 1.8651% | 4,700 |
| Loan and lease loss provision to assets | 0.1950% | 1,044 |
| Net operating income to assets | 1.3140% | 1,635 |
| Return on assets (ROA) | 1.3140% | 1,714 |
| Pretax return on assets | 1.6987% | 1,190 |
| Return on Equity (ROE) | 14.4391% | 807 |
| Retained earnings to average equity (ytd only) | 12.5825% | 196 |
| Net charge-offs to loans | 0.2199% | 931 |
| Credit loss provision to net charge-offs | 144.2308% | 1,783 |
| Earnings coverage of net charge-offs (x) | 14.0096% | 2,309 |
| Efficiency ratio | 49.6196% | 4,749 |
| Assets per employee ($millions) | 5.4369% | 2,118 |
| Cash dividends to net income (ytd only)* | 12.8586% | 3,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9452% | 3,763 |
| Loan loss allowance to noncurrent loans | 96.7936% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.6818% | 1,889 |
| Noncurrent loans to loans | 0.9765% | 1,562 |
| Net loans and leases to total assets | 62.0681% | 3,392 |
| Net loans and leases to deposits | 75.5406% | 3,221 |
| Net loans and leases to core deposits | 79.7627% | 3,314 |
| Total domestic deposits to total assets | 82.1652% | 3,461 |
| Equity capital to assets | 9.2515% | 4,528 |
| Core capital (leverage) ratio | 9.5191% | 4,042 |
| Tier 1 risk-based capital ratio | 14.9074% | 2,817 |
| Total risk-based capital ratio | 15.8641% | 2,859 |
| Memoranda: | ||
| Average total assets | $76,939,600 | 4,335 |
| Average earning assets | $73,113,800 | 4,296 |
| Average equity | $7,001,800 | 4,638 |
| Average total loans | $47,304,600 | 4,233 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6926% | 2,438 |
| Cost of funding earning assets | 1.2267% | 959 |
| Net interest margin | 3.4659% | 3,677 |
| Noninterest income to average assets | 0.4310% | 3,135 |
| Noninterest expense to average assets | 1.6133% | 4,992 |
| Loan and lease loss provision to assets | 0.2199% | 780 |
| Net operating income to assets | 1.4373% | 1,360 |
| Return on assets (ROA) | 1.4373% | 1,417 |
| Pretax return on assets | 1.8737% | 926 |
| Return on Equity (ROE) | 15.8653% | 632 |
| Retained earnings to average equity (ytd only) | 13.3602% | 244 |
| Net charge-offs to loans | 0.2244% | 790 |
| Credit loss provision to net charge-offs | 160.2564% | 1,555 |
| Earnings coverage of net charge-offs (x) | 15.2561% | 2,201 |
| Efficiency ratio | 43.5216% | 5,033 |
| Assets per employee ($millions) | 5.1973% | 2,340 |
| Cash dividends to net income (ytd only)* | 15.7898% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 3,625 |
| Loan loss allowance to noncurrent loans | 78.0291% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 0.8671% | 1,579 |
| Noncurrent loans to loans | 1.2688% | 1,230 |
| Net loans and leases to total assets | 61.9595% | 3,499 |
| Net loans and leases to deposits | 76.2069% | 3,274 |
| Net loans and leases to core deposits | 81.0086% | 3,310 |
| Total domestic deposits to total assets | 81.3043% | 3,662 |
| Equity capital to assets | 9.4203% | 4,515 |
| Core capital (leverage) ratio | 9.7053% | 3,963 |
| Tier 1 risk-based capital ratio | 15.7141% | 2,550 |
| Total risk-based capital ratio | 16.7492% | 2,577 |
| Memoranda: | ||
| Average total assets | $75,786,000 | 4,404 |
| Average earning assets | $71,628,500 | 4,375 |
| Average equity | $6,866,000 | 4,716 |
| Average total loans | $46,355,250 | 4,304 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7242% | 2,291 |
| Cost of funding earning assets | 1.2805% | 787 |
| Net interest margin | 3.4438% | 3,757 |
| Noninterest income to average assets | 0.4849% | 2,757 |
| Noninterest expense to average assets | 1.5987% | 5,058 |
| Loan and lease loss provision to assets | 0.1865% | 951 |
| Net operating income to assets | 1.5054% | 1,136 |
| Return on assets (ROA) | 1.5054% | 1,189 |
| Pretax return on assets | 1.9531% | 750 |
| Return on Equity (ROE) | 16.8489% | 487 |
| Retained earnings to average equity (ytd only) | 12.9722% | 305 |
| Net charge-offs to loans | 0.2591% | 646 |
| Credit loss provision to net charge-offs | 118.6441% | 1,756 |
| Earnings coverage of net charge-offs (x) | 13.6102% | 2,088 |
| Efficiency ratio | 42.7655% | 5,099 |
| Assets per employee ($millions) | 4.9083% | 2,594 |
| Cash dividends to net income (ytd only)* | 23.0088% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 3,920 |
| Loan loss allowance to noncurrent loans | 44.7000% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 1.3963% | 858 |
| Noncurrent loans to loans | 2.1002% | 656 |
| Net loans and leases to total assets | 64.0638% | 3,331 |
| Net loans and leases to deposits | 77.7410% | 3,169 |
| Net loans and leases to core deposits | 81.4319% | 3,300 |
| Total domestic deposits to total assets | 82.4068% | 3,400 |
| Equity capital to assets | 9.6041% | 4,311 |
| Core capital (leverage) ratio | 9.4415% | 4,207 |
| Tier 1 risk-based capital ratio | 15.3303% | 2,693 |
| Total risk-based capital ratio | 16.2982% | 2,741 |
| Memoranda: | ||
| Average total assets | $75,061,670 | 4,451 |
| Average earning assets | $70,911,000 | 4,425 |
| Average equity | $6,706,670 | 4,758 |
| Average total loans | $45,545,000 | 4,355 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6361% | 2,427 |
| Cost of funding earning assets | 1.3182% | 624 |
| Net interest margin | 3.3179% | 4,119 |
| Noninterest income to average assets | 0.5120% | 2,482 |
| Noninterest expense to average assets | 1.5255% | 5,152 |
| Loan and lease loss provision to assets | 0.1320% | 1,315 |
| Net operating income to assets | 1.5413% | 1,025 |
| Return on assets (ROA) | 1.5413% | 1,054 |
| Pretax return on assets | 1.9900% | 653 |
| Return on Equity (ROE) | 17.9018% | 408 |
| Retained earnings to average equity (ytd only) | 9.8705% | 1,065 |
| Net charge-offs to loans | 0.1348% | 935 |
| Credit loss provision to net charge-offs | 166.6667% | 1,164 |
| Earnings coverage of net charge-offs (x) | 26.8000% | 1,391 |
| Efficiency ratio | 41.8234% | 5,165 |
| Assets per employee ($millions) | 5.2081% | 2,277 |
| Cash dividends to net income (ytd only)* | 44.8630% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 3,787 |
| Loan loss allowance to noncurrent loans | 277.6398% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.2419% | 3,655 |
| Noncurrent loans to loans | 0.3557% | 3,304 |
| Net loans and leases to total assets | 57.3725% | 3,953 |
| Net loans and leases to deposits | 68.5552% | 3,878 |
| Net loans and leases to core deposits | 74.7187% | 3,751 |
| Total domestic deposits to total assets | 83.6881% | 3,153 |
| Equity capital to assets | 8.5483% | 4,961 |
| Core capital (leverage) ratio | 8.6207% | 4,933 |
| Tier 1 risk-based capital ratio | 15.0424% | 2,875 |
| Total risk-based capital ratio | 16.0302% | 2,907 |
| Memoranda: | ||
| Average total assets | $75,780,000 | 4,486 |
| Average earning assets | $71,612,000 | 4,455 |
| Average equity | $6,524,500 | 4,814 |
| Average total loans | $44,510,500 | 4,422 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3222% | 3,034 |
| Cost of funding earning assets | 0.9513% | 922 |
| Net interest margin | 3.3710% | 4,073 |
| Noninterest income to average assets | 0.4506% | 3,097 |
| Noninterest expense to average assets | 1.6790% | 5,117 |
| Loan and lease loss provision to assets | 0.0861% | 2,418 |
| Net operating income to assets | 1.4502% | 1,275 |
| Return on assets (ROA) | 1.4049% | 1,404 |
| Pretax return on assets | 1.8268% | 857 |
| Return on Equity (ROE) | 16.3877% | 555 |
| Retained earnings to average equity (ytd only) | 9.9598% | 623 |
| Net charge-offs to loans | 0.0074% | 3,421 |
| Credit loss provision to net charge-offs | 2,000.0000% | 220 |
| Earnings coverage of net charge-offs (x) | 457.6667% | 229 |
| Efficiency ratio | 46.0087% | 5,120 |
| Assets per employee ($millions) | 4.8959% | 2,622 |
| Cash dividends to net income (ytd only)* | 39.2237% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 3,726 |
| Loan loss allowance to noncurrent loans | 1,362.5000% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 4,568 |
| Noncurrent loans to loans | 0.0731% | 4,423 |
| Net loans and leases to total assets | 58.9850% | 3,873 |
| Net loans and leases to deposits | 72.2653% | 3,650 |
| Net loans and leases to core deposits | 78.8188% | 3,517 |
| Total domestic deposits to total assets | 81.6228% | 3,747 |
| Equity capital to assets | 8.6752% | 4,822 |
| Core capital (leverage) ratio | 9.3748% | 4,268 |
| Tier 1 risk-based capital ratio | 15.6020% | 2,575 |
| Total risk-based capital ratio | 16.6256% | 2,593 |
| Memoranda: | ||
| Average total assets | $69,685,800 | 4,584 |
| Average earning assets | $66,123,000 | 4,555 |
| Average equity | $5,974,000 | 4,904 |
| Average total loans | $40,299,600 | 4,546 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2625% | 3,110 |
| Cost of funding earning assets | 0.8831% | 990 |
| Net interest margin | 3.3794% | 4,067 |
| Noninterest income to average assets | 0.4810% | 2,976 |
| Noninterest expense to average assets | 1.5166% | 5,267 |
| Loan and lease loss provision to assets | 0.0873% | 2,226 |
| Net operating income to assets | 1.6303% | 894 |
| Return on assets (ROA) | 1.5690% | 1,031 |
| Pretax return on assets | 2.0131% | 602 |
| Return on Equity (ROE) | 18.3606% | 392 |
| Retained earnings to average equity (ytd only) | 9.6455% | 1,012 |
| Net charge-offs to loans | -0.0034% | 4,152 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0499% | 5,306 |
| Assets per employee ($millions) | 4.5683% | 3,016 |
| Cash dividends to net income (ytd only)* | 47.4663% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9896% | 3,833 |
| Loan loss allowance to noncurrent loans | 465.9341% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.1605% | 4,155 |
| Noncurrent loans to loans | 0.2124% | 3,947 |
| Net loans and leases to total assets | 61.9053% | 3,666 |
| Net loans and leases to deposits | 80.6541% | 2,969 |
| Net loans and leases to core deposits | 81.1897% | 3,392 |
| Total domestic deposits to total assets | 76.7541% | 4,682 |
| Equity capital to assets | 8.8728% | 4,663 |
| Core capital (leverage) ratio | 9.6077% | 4,048 |
| Tier 1 risk-based capital ratio | 15.5384% | 2,635 |
| Total risk-based capital ratio | 16.5559% | 2,663 |
| Memoranda: | ||
| Average total assets | $68,747,500 | 4,647 |
| Average earning assets | $65,375,500 | 4,618 |
| Average equity | $5,874,750 | 4,967 |
| Average total loans | $39,436,000 | 4,617 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1578% | 3,250 |
| Cost of funding earning assets | 0.8523% | 902 |
| Net interest margin | 3.3055% | 4,230 |
| Noninterest income to average assets | 0.4708% | 3,031 |
| Noninterest expense to average assets | 1.5111% | 5,333 |
| Loan and lease loss provision to assets | 0.0291% | 3,327 |
| Net operating income to assets | 1.6158% | 892 |
| Return on assets (ROA) | 1.6158% | 897 |
| Pretax return on assets | 2.0749% | 509 |
| Return on Equity (ROE) | 19.1515% | 322 |
| Retained earnings to average equity (ytd only) | 5.9246% | 2,596 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8006% | 5,355 |
| Assets per employee ($millions) | 4.5665% | 3,020 |
| Cash dividends to net income (ytd only)* | 69.0647% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 4,034 |
| Loan loss allowance to noncurrent loans | 427.4725% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 4,185 |
| Noncurrent loans to loans | 0.2259% | 3,909 |
| Net loans and leases to total assets | 58.2367% | 3,970 |
| Net loans and leases to deposits | 70.9514% | 3,784 |
| Net loans and leases to core deposits | 71.3907% | 4,053 |
| Total domestic deposits to total assets | 82.0798% | 3,697 |
| Equity capital to assets | 8.5360% | 4,918 |
| Core capital (leverage) ratio | 9.0106% | 4,678 |
| Tier 1 risk-based capital ratio | 15.4037% | 2,688 |
| Total risk-based capital ratio | 16.3664% | 2,742 |
| Memoranda: | ||
| Average total assets | $68,822,000 | 4,699 |
| Average earning assets | $65,467,330 | 4,670 |
| Average equity | $5,806,330 | 5,032 |
| Average total loans | $38,300,000 | 4,693 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0351% | 3,486 |
| Cost of funding earning assets | 0.8009% | 950 |
| Net interest margin | 3.2342% | 4,357 |
| Noninterest income to average assets | 0.4581% | 3,064 |
| Noninterest expense to average assets | 1.4496% | 5,430 |
| Loan and lease loss provision to assets | 0.0232% | 3,222 |
| Net operating income to assets | 1.6062% | 848 |
| Return on assets (ROA) | 1.6062% | 849 |
| Pretax return on assets | 2.0526% | 518 |
| Return on Equity (ROE) | 19.1497% | 307 |
| Retained earnings to average equity (ytd only) | 6.4984% | 2,501 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1184% | 5,430 |
| Assets per employee ($millions) | 4.6396% | 2,945 |
| Cash dividends to net income (ytd only)* | 66.0650% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 3,871 |
| Loan loss allowance to noncurrent loans | 627.8689% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 4,521 |
| Noncurrent loans to loans | 0.1615% | 4,254 |
| Net loans and leases to total assets | 53.7101% | 4,311 |
| Net loans and leases to deposits | 65.5312% | 4,120 |
| Net loans and leases to core deposits | 65.9300% | 4,313 |
| Total domestic deposits to total assets | 81.9611% | 3,976 |
| Equity capital to assets | 8.3039% | 5,103 |
| Core capital (leverage) ratio | 8.8226% | 4,874 |
| Tier 1 risk-based capital ratio | 15.7884% | 2,558 |
| Total risk-based capital ratio | 16.7724% | 2,594 |
| Memoranda: | ||
| Average total assets | $68,984,000 | 4,755 |
| Average earning assets | $65,426,500 | 4,725 |
| Average equity | $5,786,000 | 5,091 |
| Average total loans | $37,310,000 | 4,773 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7880% | 4,089 |
| Cost of funding earning assets | 0.5700% | 1,829 |
| Net interest margin | 3.2180% | 4,404 |
| Noninterest income to average assets | 0.4262% | 3,468 |
| Noninterest expense to average assets | 1.7183% | 5,314 |
| Loan and lease loss provision to assets | 0.0183% | 3,933 |
| Net operating income to assets | 1.2370% | 1,406 |
| Return on assets (ROA) | 1.2435% | 1,398 |
| Pretax return on assets | 1.7579% | 881 |
| Return on Equity (ROE) | 14.5188% | 687 |
| Retained earnings to average equity (ytd only) | 8.0324% | 753 |
| Net charge-offs to loans | 0.0060% | 3,868 |
| Credit loss provision to net charge-offs | 600.0000% | 539 |
| Earnings coverage of net charge-offs (x) | 580.5000% | 152 |
| Efficiency ratio | 49.3013% | 5,257 |
| Assets per employee ($millions) | 4.5583% | 3,099 |
| Cash dividends to net income (ytd only)* | 44.6756% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 3,755 |
| Loan loss allowance to noncurrent loans | 37,900.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 5,002 |
| Noncurrent loans to loans | 0.0027% | 5,057 |
| Net loans and leases to total assets | 53.3522% | 4,410 |
| Net loans and leases to deposits | 64.8193% | 4,271 |
| Net loans and leases to core deposits | 65.2179% | 4,462 |
| Total domestic deposits to total assets | 82.3091% | 3,784 |
| Equity capital to assets | 8.4725% | 5,145 |
| Core capital (leverage) ratio | 9.1023% | 4,522 |
| Tier 1 risk-based capital ratio | 15.9611% | 2,441 |
| Total risk-based capital ratio | 16.9608% | 2,486 |
| Memoranda: | ||
| Average total assets | $65,704,200 | 4,856 |
| Average earning assets | $62,461,000 | 4,810 |
| Average equity | $5,627,200 | 5,160 |
| Average total loans | $33,235,400 | 4,914 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7416% | 4,207 |
| Cost of funding earning assets | 0.5397% | 1,959 |
| Net interest margin | 3.2018% | 4,443 |
| Noninterest income to average assets | 0.4428% | 3,384 |
| Noninterest expense to average assets | 1.5744% | 5,471 |
| Loan and lease loss provision to assets | 0.0246% | 3,653 |
| Net operating income to assets | 1.2568% | 1,484 |
| Return on assets (ROA) | 1.2649% | 1,484 |
| Pretax return on assets | 1.9086% | 671 |
| Return on Equity (ROE) | 14.7277% | 696 |
| Retained earnings to average equity (ytd only) | 7.8054% | 1,298 |
| Net charge-offs to loans | 0.0083% | 3,434 |
| Credit loss provision to net charge-offs | 600.0000% | 544 |
| Earnings coverage of net charge-offs (x) | 467.9026% | 211 |
| Efficiency ratio | 45.0440% | 5,446 |
| Assets per employee ($millions) | 4.2951% | 3,481 |
| Cash dividends to net income (ytd only)* | 47.0018% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 3,419 |
| Loan loss allowance to noncurrent loans | 313.2231% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.2328% | 4,127 |
| Noncurrent loans to loans | 0.3556% | 3,680 |
| Net loans and leases to total assets | 52.2320% | 4,550 |
| Net loans and leases to deposits | 64.6923% | 4,341 |
| Net loans and leases to core deposits | 65.1217% | 4,542 |
| Total domestic deposits to total assets | 80.7391% | 4,124 |
| Equity capital to assets | 9.0507% | 4,872 |
| Core capital (leverage) ratio | 9.1752% | 4,542 |
| Tier 1 risk-based capital ratio | 21.7938% | 1,067 |
| Total risk-based capital ratio | 23.0449% | 1,048 |
| Memoranda: | ||
| Average total assets | $65,036,750 | 4,916 |
| Average earning assets | $62,004,500 | 4,867 |
| Average equity | $5,585,750 | 5,228 |
| Average total loans | $32,329,750 | 5,003 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6633% | 4,333 |
| Cost of funding earning assets | 0.5077% | 2,107 |
| Net interest margin | 3.1555% | 4,530 |
| Noninterest income to average assets | 0.4476% | 3,371 |
| Noninterest expense to average assets | 1.5726% | 5,515 |
| Loan and lease loss provision to assets | 0.0337% | 3,314 |
| Net operating income to assets | 1.2262% | 1,512 |
| Return on assets (ROA) | 1.2262% | 1,547 |
| Pretax return on assets | 1.8516% | 741 |
| Return on Equity (ROE) | 14.5349% | 728 |
| Retained earnings to average equity (ytd only) | 6.7224% | 1,727 |
| Net charge-offs to loans | 0.0126% | 3,013 |
| Credit loss provision to net charge-offs | 550.0000% | 610 |
| Earnings coverage of net charge-offs (x) | 307.5000% | 275 |
| Efficiency ratio | 45.4787% | 5,477 |
| Assets per employee ($millions) | 4.3623% | 3,323 |
| Cash dividends to net income (ytd only)* | 53.7500% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 3,264 |
| Loan loss allowance to noncurrent loans | 1,142.4242% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.1528% | 4,566 |
| Noncurrent loans to loans | 0.1013% | 4,722 |
| Net loans and leases to total assets | 49.1877% | 4,757 |
| Net loans and leases to deposits | 60.0833% | 4,618 |
| Net loans and leases to core deposits | 60.0833% | 4,820 |
| Total domestic deposits to total assets | 81.8660% | 3,923 |
| Equity capital to assets | 8.7140% | 5,129 |
| Core capital (leverage) ratio | 8.7895% | 4,962 |
| Tier 1 risk-based capital ratio | 21.5472% | 1,108 |
| Total risk-based capital ratio | 22.7987% | 1,087 |
| Memoranda: | ||
| Average total assets | $65,240,330 | 4,946 |
| Average earning assets | $62,239,670 | 4,898 |
| Average equity | $5,504,000 | 5,273 |
| Average total loans | $31,763,000 | 5,055 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6076% | 4,400 |
| Cost of funding earning assets | 0.4526% | 2,504 |
| Net interest margin | 3.1550% | 4,485 |
| Noninterest income to average assets | 0.4421% | 3,359 |
| Noninterest expense to average assets | 1.5228% | 5,622 |
| Loan and lease loss provision to assets | 0.0368% | 3,063 |
| Net operating income to assets | 1.2465% | 1,386 |
| Return on assets (ROA) | 1.2465% | 1,422 |
| Pretax return on assets | 1.8789% | 674 |
| Return on Equity (ROE) | 15.0231% | 637 |
| Retained earnings to average equity (ytd only) | 4.6623% | 3,084 |
| Net charge-offs to loans | -0.0255% | 4,858 |
| Credit loss provision to net charge-offs | -300.0000% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2857% | 5,585 |
| Assets per employee ($millions) | 4.5183% | 3,143 |
| Cash dividends to net income (ytd only)* | 68.9655% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 3,071 |
| Loan loss allowance to noncurrent loans | 942.5000% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 4,858 |
| Noncurrent loans to loans | 0.1283% | 4,670 |
| Net loans and leases to total assets | 45.4268% | 4,967 |
| Net loans and leases to deposits | 54.2166% | 4,922 |
| Net loans and leases to core deposits | 54.2166% | 5,053 |
| Total domestic deposits to total assets | 83.7875% | 3,554 |
| Equity capital to assets | 8.0723% | 5,489 |
| Core capital (leverage) ratio | 8.5487% | 5,191 |
| Tier 1 risk-based capital ratio | 21.1419% | 1,204 |
| Total risk-based capital ratio | 22.3927% | 1,181 |
| Memoranda: | ||
| Average total assets | $65,143,000 | 5,002 |
| Average earning assets | $61,870,000 | 4,952 |
| Average equity | $5,405,000 | 5,340 |
| Average total loans | $31,363,000 | 5,112 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6483% | 4,375 |
| Cost of funding earning assets | 0.3857% | 3,150 |
| Net interest margin | 3.2626% | 4,253 |
| Noninterest income to average assets | 0.4545% | 3,511 |
| Noninterest expense to average assets | 1.7570% | 5,516 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2041% | 1,497 |
| Return on assets (ROA) | 1.2075% | 1,567 |
| Pretax return on assets | 1.8299% | 741 |
| Return on Equity (ROE) | 13.2317% | 942 |
| Retained earnings to average equity (ytd only) | 6.9318% | 1,259 |
| Net charge-offs to loans | 0.1660% | 1,629 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 22.4167% | 1,734 |
| Efficiency ratio | 49.0530% | 5,526 |
| Assets per employee ($millions) | 3.9069% | 4,132 |
| Cash dividends to net income (ytd only)* | 47.6124% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 3,331 |
| Loan loss allowance to noncurrent loans | 1,150.0000% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0976% | 4,931 |
| Noncurrent loans to loans | 0.1014% | 4,830 |
| Net loans and leases to total assets | 49.9000% | 4,772 |
| Net loans and leases to deposits | 59.9186% | 4,674 |
| Net loans and leases to core deposits | 59.9186% | 4,863 |
| Total domestic deposits to total assets | 83.2797% | 3,666 |
| Equity capital to assets | 8.5409% | 5,241 |
| Core capital (leverage) ratio | 8.9344% | 4,818 |
| Tier 1 risk-based capital ratio | 21.3084% | 1,159 |
| Total risk-based capital ratio | 22.5605% | 1,145 |
| Memoranda: | ||
| Average total assets | $58,965,600 | 5,162 |
| Average earning assets | $56,518,800 | 5,118 |
| Average equity | $5,381,000 | 5,395 |
| Average total loans | $28,910,600 | 5,229 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6076% | 4,530 |
| Cost of funding earning assets | 0.3746% | 3,286 |
| Net interest margin | 3.2330% | 4,392 |
| Noninterest income to average assets | 0.4637% | 3,465 |
| Noninterest expense to average assets | 1.6368% | 5,661 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2994% | 1,295 |
| Return on assets (ROA) | 1.2947% | 1,411 |
| Pretax return on assets | 1.9306% | 659 |
| Return on Equity (ROE) | 13.9475% | 837 |
| Retained earnings to average equity (ytd only) | 7.4189% | 1,432 |
| Net charge-offs to loans | 0.1794% | 1,299 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 22.2086% | 1,771 |
| Efficiency ratio | 45.7932% | 5,677 |
| Assets per employee ($millions) | 4.0559% | 3,862 |
| Cash dividends to net income (ytd only)* | 46.8084% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 3,073 |
| Loan loss allowance to noncurrent loans | 1,184.3750% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 5,033 |
| Noncurrent loans to loans | 0.1038% | 4,923 |
| Net loans and leases to total assets | 50.0731% | 4,816 |
| Net loans and leases to deposits | 60.5021% | 4,718 |
| Net loans and leases to core deposits | 60.5021% | 4,904 |
| Total domestic deposits to total assets | 82.7627% | 3,682 |
| Equity capital to assets | 9.1389% | 5,034 |
| Core capital (leverage) ratio | 9.0061% | 4,824 |
| Tier 1 risk-based capital ratio | 22.0298% | 1,135 |
| Total risk-based capital ratio | 23.2829% | 1,114 |
| Memoranda: | ||
| Average total assets | $58,079,250 | 5,234 |
| Average earning assets | $55,881,250 | 5,175 |
| Average equity | $5,391,500 | 5,447 |
| Average total loans | $28,248,000 | 5,305 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4741% | 4,937 |
| Cost of funding earning assets | 0.3735% | 3,321 |
| Net interest margin | 3.1006% | 4,831 |
| Noninterest income to average assets | 0.5004% | 3,187 |
| Noninterest expense to average assets | 1.6795% | 5,703 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2351% | 1,487 |
| Return on assets (ROA) | 1.2351% | 1,579 |
| Pretax return on assets | 1.8125% | 860 |
| Return on Equity (ROE) | 13.2325% | 972 |
| Retained earnings to average equity (ytd only) | 6.1477% | 2,039 |
| Net charge-offs to loans | 0.2556% | 933 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 14.8000% | 2,037 |
| Efficiency ratio | 48.0962% | 5,662 |
| Assets per employee ($millions) | 3.9513% | 3,995 |
| Cash dividends to net income (ytd only)* | 53.5411% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3321% | 2,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 5,292 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 47.7392% | 5,009 |
| Net loans and leases to deposits | 59.2789% | 4,840 |
| Net loans and leases to core deposits | 59.2789% | 5,008 |
| Total domestic deposits to total assets | 80.5332% | 4,400 |
| Equity capital to assets | 9.2374% | 5,036 |
| Core capital (leverage) ratio | 9.1525% | 4,659 |
| Tier 1 risk-based capital ratio | 23.0605% | 1,007 |
| Total risk-based capital ratio | 24.6951% | 946 |
| Memoranda: | ||
| Average total assets | $57,159,330 | 5,310 |
| Average earning assets | $55,150,330 | 5,245 |
| Average equity | $5,335,330 | 5,513 |
| Average total loans | $27,383,000 | 5,391 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4118% | 5,102 |
| Cost of funding earning assets | 0.3692% | 3,408 |
| Net interest margin | 3.0426% | 5,021 |
| Noninterest income to average assets | 0.5347% | 2,900 |
| Noninterest expense to average assets | 1.7040% | 5,748 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2548% | 1,396 |
| Return on assets (ROA) | 1.2548% | 1,490 |
| Pretax return on assets | 1.7681% | 902 |
| Return on Equity (ROE) | 13.3701% | 950 |
| Retained earnings to average equity (ytd only) | 4.7099% | 3,113 |
| Net charge-offs to loans | 0.5236% | 412 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 7.0857% | 2,175 |
| Efficiency ratio | 49.0760% | 5,675 |
| Assets per employee ($millions) | 4.1178% | 3,731 |
| Cash dividends to net income (ytd only)* | 64.7727% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4084% | 2,382 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 5,325 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 46.3859% | 5,090 |
| Net loans and leases to deposits | 54.7153% | 5,061 |
| Net loans and leases to core deposits | 54.7153% | 5,200 |
| Total domestic deposits to total assets | 84.7768% | 3,217 |
| Equity capital to assets | 9.2231% | 4,968 |
| Core capital (leverage) ratio | 9.0302% | 4,815 |
| Tier 1 risk-based capital ratio | 24.9293% | 823 |
| Total risk-based capital ratio | 26.7254% | 764 |
| Memoranda: | ||
| Average total assets | $56,104,000 | 5,382 |
| Average earning assets | $54,164,500 | 5,315 |
| Average equity | $5,265,500 | 5,565 |
| Average total loans | $26,736,000 | 5,457 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2075% | 5,512 |
| Cost of funding earning assets | 0.3611% | 3,570 |
| Net interest margin | 2.8464% | 5,432 |
| Noninterest income to average assets | 0.4946% | 3,365 |
| Noninterest expense to average assets | 1.7426% | 5,809 |
| Loan and lease loss provision to assets | -0.3528% | 6,090 |
| Net operating income to assets | 1.2054% | 1,525 |
| Return on assets (ROA) | 1.2054% | 1,596 |
| Pretax return on assets | 1.8294% | 755 |
| Return on Equity (ROE) | 13.1926% | 1,014 |
| Retained earnings to average equity (ytd only) | 3.7832% | 3,348 |
| Net charge-offs to loans | 0.0385% | 3,456 |
| Credit loss provision to net charge-offs | -1,990.0000% | 5,643 |
| Earnings coverage of net charge-offs (x) | 83.3000% | 676 |
| Efficiency ratio | 54.1300% | 5,513 |
| Assets per employee ($millions) | 3.8971% | 4,121 |
| Cash dividends to net income (ytd only)* | 71.3235% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5826% | 1,670 |
| Loan loss allowance to noncurrent loans | 20,850.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 5,331 |
| Noncurrent loans to loans | 0.0076% | 5,514 |
| Net loans and leases to total assets | 47.5302% | 5,057 |
| Net loans and leases to deposits | 56.5682% | 5,011 |
| Net loans and leases to core deposits | 56.5682% | 5,171 |
| Total domestic deposits to total assets | 84.0228% | 3,467 |
| Equity capital to assets | 9.5566% | 4,487 |
| Core capital (leverage) ratio | 9.3450% | 4,402 |
| Tier 1 risk-based capital ratio | 25.6015% | 768 |
| Total risk-based capital ratio | 27.6447% | 692 |
| Memoranda: | ||
| Average total assets | $56,411,200 | 5,393 |
| Average earning assets | $53,998,200 | 5,343 |
| Average equity | $5,154,400 | 5,618 |
| Average total loans | $25,977,800 | 5,518 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1336% | 5,663 |
| Cost of funding earning assets | 0.3620% | 3,633 |
| Net interest margin | 2.7715% | 5,631 |
| Noninterest income to average assets | 0.4829% | 3,486 |
| Noninterest expense to average assets | 1.5988% | 5,979 |
| Loan and lease loss provision to assets | -0.4665% | 6,204 |
| Net operating income to assets | 1.4816% | 949 |
| Return on assets (ROA) | 1.4816% | 983 |
| Pretax return on assets | 2.0067% | 595 |
| Return on Equity (ROE) | 16.3956% | 545 |
| Retained earnings to average equity (ytd only) | 5.4998% | 2,578 |
| Net charge-offs to loans | 0.0515% | 2,874 |
| Credit loss provision to net charge-offs | -1,990.0000% | 5,598 |
| Earnings coverage of net charge-offs (x) | 65.7149% | 850 |
| Efficiency ratio | 50.9335% | 5,725 |
| Assets per employee ($millions) | 3.9959% | 3,885 |
| Cash dividends to net income (ytd only)* | 66.4558% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 1,879 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 5,478 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 46.6832% | 5,175 |
| Net loans and leases to deposits | 57.2644% | 5,058 |
| Net loans and leases to core deposits | 57.2644% | 5,238 |
| Total domestic deposits to total assets | 81.5223% | 4,316 |
| Equity capital to assets | 9.4596% | 4,799 |
| Core capital (leverage) ratio | 9.4435% | 4,376 |
| Tier 1 risk-based capital ratio | 26.4488% | 733 |
| Total risk-based capital ratio | 28.5721% | 647 |
| Memoranda: | ||
| Average total assets | $56,874,250 | 5,457 |
| Average earning assets | $54,505,250 | 5,398 |
| Average equity | $5,139,500 | 5,694 |
| Average total loans | $25,885,000 | 5,587 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0493% | 5,800 |
| Cost of funding earning assets | 0.3748% | 3,553 |
| Net interest margin | 2.6745% | 5,799 |
| Noninterest income to average assets | 0.4826% | 3,485 |
| Noninterest expense to average assets | 1.6368% | 6,027 |
| Loan and lease loss provision to assets | 0.0035% | 4,017 |
| Net operating income to assets | 0.9023% | 2,868 |
| Return on assets (ROA) | 0.9023% | 2,986 |
| Pretax return on assets | 1.4130% | 1,920 |
| Return on Equity (ROE) | 10.1402% | 2,005 |
| Retained earnings to average equity (ytd only) | 4.0089% | 3,467 |
| Net charge-offs to loans | 0.0857% | 2,182 |
| Credit loss provision to net charge-offs | 9.0909% | 3,106 |
| Earnings coverage of net charge-offs (x) | 36.8182% | 1,191 |
| Efficiency ratio | 53.6082% | 5,615 |
| Assets per employee ($millions) | 4.0184% | 3,843 |
| Cash dividends to net income (ytd only)* | 60.4651% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3931% | 555 |
| Loan loss allowance to noncurrent loans | 3,856.2500% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 5,474 |
| Noncurrent loans to loans | 0.0621% | 5,485 |
| Net loans and leases to total assets | 44.7314% | 5,332 |
| Net loans and leases to deposits | 53.1838% | 5,308 |
| Net loans and leases to core deposits | 53.1838% | 5,473 |
| Total domestic deposits to total assets | 84.1071% | 3,520 |
| Equity capital to assets | 9.1116% | 5,136 |
| Core capital (leverage) ratio | 8.9224% | 5,061 |
| Tier 1 risk-based capital ratio | 26.2478% | 756 |
| Total risk-based capital ratio | 29.4127% | 624 |
| Memoranda: | ||
| Average total assets | $57,184,670 | 5,510 |
| Average earning assets | $54,964,000 | 5,440 |
| Average equity | $5,088,670 | 5,762 |
| Average total loans | $25,669,000 | 5,646 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9624% | 5,932 |
| Cost of funding earning assets | 0.3858% | 3,459 |
| Net interest margin | 2.5767% | 5,942 |
| Noninterest income to average assets | 0.4926% | 3,329 |
| Noninterest expense to average assets | 1.6306% | 6,083 |
| Loan and lease loss provision to assets | 0.0069% | 3,619 |
| Net operating income to assets | 0.8743% | 2,873 |
| Return on assets (ROA) | 0.8743% | 3,001 |
| Pretax return on assets | 1.3114% | 2,232 |
| Return on Equity (ROE) | 9.9408% | 2,033 |
| Retained earnings to average equity (ytd only) | 2.7613% | 4,295 |
| Net charge-offs to loans | 0.2186% | 1,073 |
| Credit loss provision to net charge-offs | 7.1429% | 2,448 |
| Earnings coverage of net charge-offs (x) | 13.5714% | 1,717 |
| Efficiency ratio | 55.2941% | 5,572 |
| Assets per employee ($millions) | 4.1502% | 3,653 |
| Cash dividends to net income (ytd only)* | 72.2222% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3919% | 621 |
| Loan loss allowance to noncurrent loans | 519.4915% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 5,147 |
| Noncurrent loans to loans | 0.4604% | 4,202 |
| Net loans and leases to total assets | 43.0529% | 5,423 |
| Net loans and leases to deposits | 51.2162% | 5,376 |
| Net loans and leases to core deposits | 51.2162% | 5,530 |
| Total domestic deposits to total assets | 84.0611% | 3,801 |
| Equity capital to assets | 8.8223% | 5,483 |
| Core capital (leverage) ratio | 8.4832% | 5,534 |
| Tier 1 risk-based capital ratio | 19.1818% | 1,824 |
| Total risk-based capital ratio | 19.1818% | 2,118 |
| Memoranda: | ||
| Average total assets | $57,648,000 | 5,550 |
| Average earning assets | $54,955,000 | 5,493 |
| Average equity | $5,070,000 | 5,819 |
| Average total loans | $25,612,500 | 5,693 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0417% | 6,015 |
| Cost of funding earning assets | 0.3771% | 3,943 |
| Net interest margin | 2.6646% | 5,988 |
| Noninterest income to average assets | 0.5187% | 3,370 |
| Noninterest expense to average assets | 1.9075% | 5,926 |
| Loan and lease loss provision to assets | 0.0239% | 4,127 |
| Net operating income to assets | 0.7558% | 3,595 |
| Return on assets (ROA) | 0.7891% | 3,524 |
| Pretax return on assets | 1.1846% | 2,718 |
| Return on Equity (ROE) | 8.6877% | 2,737 |
| Retained earnings to average equity (ytd only) | 3.3617% | 3,821 |
| Net charge-offs to loans | -0.2719% | 6,320 |
| Credit loss provision to net charge-offs | -18.8406% | 5,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2076% | 4,880 |
| Assets per employee ($millions) | 4.0852% | 3,754 |
| Cash dividends to net income (ytd only)* | 61.3054% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4495% | 595 |
| Loan loss allowance to noncurrent loans | 1,694.5946% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 5,588 |
| Noncurrent loans to loans | 0.1445% | 5,313 |
| Net loans and leases to total assets | 43.6592% | 5,487 |
| Net loans and leases to deposits | 52.1959% | 5,467 |
| Net loans and leases to core deposits | 52.1959% | 5,603 |
| Total domestic deposits to total assets | 83.6449% | 3,864 |
| Equity capital to assets | 8.7668% | 5,517 |
| Core capital (leverage) ratio | 8.9805% | 5,027 |
| Tier 1 risk-based capital ratio | 18.9091% | 1,875 |
| Total risk-based capital ratio | 20.1722% | 1,832 |
| Memoranda: | ||
| Average total assets | $54,365,200 | 5,691 |
| Average earning assets | $51,977,000 | 5,623 |
| Average equity | $4,938,000 | 5,869 |
| Average total loans | $25,381,200 | 5,768 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9678% | 6,160 |
| Cost of funding earning assets | 0.3681% | 4,144 |
| Net interest margin | 2.5997% | 6,137 |
| Noninterest income to average assets | 0.5342% | 3,299 |
| Noninterest expense to average assets | 1.8189% | 6,065 |
| Loan and lease loss provision to assets | 0.0323% | 3,761 |
| Net operating income to assets | 0.7859% | 3,483 |
| Return on assets (ROA) | 0.8076% | 3,492 |
| Pretax return on assets | 1.2076% | 2,746 |
| Return on Equity (ROE) | 8.8091% | 2,779 |
| Retained earnings to average equity (ytd only) | 3.4153% | 4,189 |
| Net charge-offs to loans | 0.0210% | 4,103 |
| Credit loss provision to net charge-offs | 325.0000% | 858 |
| Earnings coverage of net charge-offs (x) | 121.5722% | 489 |
| Efficiency ratio | 60.0985% | 5,164 |
| Assets per employee ($millions) | 3.7148% | 4,462 |
| Cash dividends to net income (ytd only)* | 61.2319% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1055% | 1,085 |
| Loan loss allowance to noncurrent loans | 718.1818% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.2000% | 5,421 |
| Noncurrent loans to loans | 0.2932% | 5,030 |
| Net loans and leases to total assets | 49.4395% | 5,065 |
| Net loans and leases to deposits | 56.7056% | 5,191 |
| Net loans and leases to core deposits | 56.7056% | 5,407 |
| Total domestic deposits to total assets | 87.1863% | 2,211 |
| Equity capital to assets | 9.6352% | 4,628 |
| Core capital (leverage) ratio | 9.6129% | 4,217 |
| Tier 1 risk-based capital ratio | 18.7287% | 1,976 |
| Total risk-based capital ratio | 19.9895% | 1,940 |
| Memoranda: | ||
| Average total assets | $53,658,250 | 5,765 |
| Average earning assets | $51,440,500 | 5,697 |
| Average equity | $4,919,000 | 5,932 |
| Average total loans | $25,327,250 | 5,828 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9321% | 6,237 |
| Cost of funding earning assets | 0.3814% | 4,086 |
| Net interest margin | 2.5506% | 6,220 |
| Noninterest income to average assets | 0.5460% | 3,162 |
| Noninterest expense to average assets | 1.9443% | 5,924 |
| Loan and lease loss provision to assets | 0.0480% | 3,349 |
| Net operating income to assets | 0.6761% | 3,961 |
| Return on assets (ROA) | 0.6936% | 3,970 |
| Pretax return on assets | 1.0220% | 3,388 |
| Return on Equity (ROE) | 7.6918% | 3,270 |
| Retained earnings to average equity (ytd only) | 2.1684% | 4,807 |
| Net charge-offs to loans | 0.0800% | 2,891 |
| Credit loss provision to net charge-offs | 130.0000% | 1,608 |
| Earnings coverage of net charge-offs (x) | 28.3000% | 1,304 |
| Efficiency ratio | 65.0617% | 4,523 |
| Assets per employee ($millions) | 3.7356% | 4,382 |
| Cash dividends to net income (ytd only)* | 71.8085% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1525% | 1,084 |
| Loan loss allowance to noncurrent loans | 629.8851% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 5,450 |
| Noncurrent loans to loans | 0.3417% | 4,987 |
| Net loans and leases to total assets | 47.6328% | 5,202 |
| Net loans and leases to deposits | 55.7817% | 5,207 |
| Net loans and leases to core deposits | 55.7817% | 5,430 |
| Total domestic deposits to total assets | 85.3914% | 3,329 |
| Equity capital to assets | 9.4363% | 4,804 |
| Core capital (leverage) ratio | 9.2477% | 4,670 |
| Tier 1 risk-based capital ratio | 18.0736% | 2,214 |
| Total risk-based capital ratio | 19.3341% | 2,180 |
| Memoranda: | ||
| Average total assets | $54,208,670 | 5,805 |
| Average earning assets | $51,909,000 | 5,736 |
| Average equity | $4,888,330 | 5,982 |
| Average total loans | $25,014,670 | 5,882 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8541% | 6,359 |
| Cost of funding earning assets | 0.3968% | 4,012 |
| Net interest margin | 2.4573% | 6,367 |
| Noninterest income to average assets | 0.6091% | 2,684 |
| Noninterest expense to average assets | 1.9796% | 5,923 |
| Loan and lease loss provision to assets | 0.0435% | 3,229 |
| Net operating income to assets | 0.6528% | 3,938 |
| Return on assets (ROA) | 0.6889% | 3,822 |
| Pretax return on assets | 0.9716% | 3,435 |
| Return on Equity (ROE) | 7.8109% | 3,039 |
| Retained earnings to average equity (ytd only) | 2.1377% | 4,748 |
| Net charge-offs to loans | 0.0484% | 2,706 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 44.3333% | 824 |
| Efficiency ratio | 67.2414% | 4,323 |
| Assets per employee ($millions) | 4.2183% | 3,492 |
| Cash dividends to net income (ytd only)* | 72.6316% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2313% | 1,118 |
| Loan loss allowance to noncurrent loans | 828.7879% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 5,728 |
| Noncurrent loans to loans | 0.2692% | 5,295 |
| Net loans and leases to total assets | 43.7069% | 5,538 |
| Net loans and leases to deposits | 50.1496% | 5,587 |
| Net loans and leases to core deposits | 50.1496% | 5,754 |
| Total domestic deposits to total assets | 87.1531% | 2,730 |
| Equity capital to assets | 8.8807% | 5,245 |
| Core capital (leverage) ratio | 8.8658% | 5,182 |
| Tier 1 risk-based capital ratio | 18.0108% | 2,292 |
| Total risk-based capital ratio | 19.2701% | 2,265 |
| Memoranda: | ||
| Average total assets | $55,164,000 | 5,839 |
| Average earning assets | $52,415,000 | 5,777 |
| Average equity | $4,865,000 | 6,029 |
| Average total loans | $24,792,500 | 5,946 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1840% | 6,153 |
| Cost of funding earning assets | 0.5110% | 3,487 |
| Net interest margin | 2.6730% | 6,172 |
| Noninterest income to average assets | 0.4865% | 3,843 |
| Noninterest expense to average assets | 1.7461% | 6,392 |
| Loan and lease loss provision to assets | 0.0288% | 4,537 |
| Net operating income to assets | 0.8254% | 3,156 |
| Return on assets (ROA) | 0.8289% | 3,225 |
| Pretax return on assets | 1.2524% | 2,351 |
| Return on Equity (ROE) | 9.5885% | 2,286 |
| Retained earnings to average equity (ytd only) | 3.6478% | 3,627 |
| Net charge-offs to loans | 0.0465% | 4,574 |
| Credit loss provision to net charge-offs | 133.3333% | 1,758 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 696 |
| Efficiency ratio | 57.7818% | 5,761 |
| Assets per employee ($millions) | 4.2685% | 3,319 |
| Cash dividends to net income (ytd only)* | 61.9565% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1699% | 1,218 |
| Loan loss allowance to noncurrent loans | 508.4112% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.1928% | 5,726 |
| Noncurrent loans to loans | 0.4268% | 4,928 |
| Net loans and leases to total assets | 44.1990% | 5,657 |
| Net loans and leases to deposits | 52.3657% | 5,597 |
| Net loans and leases to core deposits | 52.3657% | 5,771 |
| Total domestic deposits to total assets | 84.4044% | 4,014 |
| Equity capital to assets | 8.7583% | 5,300 |
| Core capital (leverage) ratio | 8.7852% | 5,305 |
| Tier 1 risk-based capital ratio | 17.6665% | 2,354 |
| Total risk-based capital ratio | 18.8939% | 2,340 |
| Memoranda: | ||
| Average total assets | $55,493,800 | 5,889 |
| Average earning assets | $52,637,800 | 5,812 |
| Average equity | $4,797,400 | 6,118 |
| Average total loans | $25,804,000 | 5,944 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2145% | 6,179 |
| Cost of funding earning assets | 0.5400% | 3,361 |
| Net interest margin | 2.6745% | 6,215 |
| Noninterest income to average assets | 0.5189% | 3,683 |
| Noninterest expense to average assets | 1.6554% | 6,515 |
| Loan and lease loss provision to assets | 0.0240% | 4,527 |
| Net operating income to assets | 0.9266% | 2,706 |
| Return on assets (ROA) | 0.9346% | 2,779 |
| Pretax return on assets | 1.3863% | 1,977 |
| Return on Equity (ROE) | 10.8464% | 1,874 |
| Retained earnings to average equity (ytd only) | 4.7123% | 3,294 |
| Net charge-offs to loans | 0.0308% | 4,517 |
| Credit loss provision to net charge-offs | 166.6667% | 1,427 |
| Earnings coverage of net charge-offs (x) | 96.9975% | 511 |
| Efficiency ratio | 54.2093% | 6,088 |
| Assets per employee ($millions) | 4.0695% | 3,697 |
| Cash dividends to net income (ytd only)* | 56.5564% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0959% | 1,510 |
| Loan loss allowance to noncurrent loans | 388.5714% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.2646% | 5,647 |
| Noncurrent loans to loans | 0.5394% | 4,842 |
| Net loans and leases to total assets | 48.0342% | 5,344 |
| Net loans and leases to deposits | 56.8221% | 5,299 |
| Net loans and leases to core deposits | 56.8221% | 5,551 |
| Total domestic deposits to total assets | 84.5343% | 3,958 |
| Equity capital to assets | 9.1241% | 5,023 |
| Core capital (leverage) ratio | 9.0722% | 5,006 |
| Tier 1 risk-based capital ratio | 17.7049% | 2,436 |
| Total risk-based capital ratio | 18.9654% | 2,400 |
| Memoranda: | ||
| Average total assets | $55,494,750 | 5,951 |
| Average earning assets | $52,593,250 | 5,882 |
| Average equity | $4,781,750 | 6,195 |
| Average total loans | $25,987,500 | 5,993 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2111% | 6,213 |
| Cost of funding earning assets | 0.5527% | 3,382 |
| Net interest margin | 2.6584% | 6,246 |
| Noninterest income to average assets | 0.5146% | 3,745 |
| Noninterest expense to average assets | 1.5721% | 6,615 |
| Loan and lease loss provision to assets | 0.0355% | 4,237 |
| Net operating income to assets | 0.9567% | 2,532 |
| Return on assets (ROA) | 0.9688% | 2,615 |
| Pretax return on assets | 1.4337% | 1,827 |
| Return on Equity (ROE) | 11.4545% | 1,656 |
| Retained earnings to average equity (ytd only) | 4.9091% | 3,111 |
| Net charge-offs to loans | 0.0539% | 3,927 |
| Credit loss provision to net charge-offs | 142.8571% | 1,591 |
| Earnings coverage of net charge-offs (x) | 58.4286% | 718 |
| Efficiency ratio | 51.9953% | 6,281 |
| Assets per employee ($millions) | 4.2106% | 3,330 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1027% | 1,630 |
| Loan loss allowance to noncurrent loans | 179.5380% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.5535% | 4,876 |
| Noncurrent loans to loans | 1.1712% | 3,597 |
| Net loans and leases to total assets | 46.2695% | 5,501 |
| Net loans and leases to deposits | 54.2706% | 5,500 |
| Net loans and leases to core deposits | 54.2706% | 5,735 |
| Total domestic deposits to total assets | 85.2570% | 3,764 |
| Equity capital to assets | 8.6284% | 5,639 |
| Core capital (leverage) ratio | 8.8187% | 5,265 |
| Tier 1 risk-based capital ratio | 17.5836% | 2,485 |
| Total risk-based capital ratio | 18.8419% | 2,448 |
| Memoranda: | ||
| Average total assets | $56,358,330 | 5,965 |
| Average earning assets | $53,189,670 | 5,888 |
| Average equity | $4,766,670 | 6,252 |
| Average total loans | $25,998,000 | 6,023 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2740% | 6,201 |
| Cost of funding earning assets | 0.5830% | 3,269 |
| Net interest margin | 2.6910% | 6,229 |
| Noninterest income to average assets | 0.5318% | 3,556 |
| Noninterest expense to average assets | 1.5323% | 6,715 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0457% | 2,055 |
| Return on assets (ROA) | 1.0215% | 2,252 |
| Pretax return on assets | 1.4833% | 1,607 |
| Return on Equity (ROE) | 12.1959% | 1,366 |
| Retained earnings to average equity (ytd only) | 4.5943% | 3,481 |
| Net charge-offs to loans | -0.0153% | 5,602 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2294% | 6,488 |
| Assets per employee ($millions) | 4.3408% | 3,259 |
| Cash dividends to net income (ytd only)* | 62.3288% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1233% | 1,747 |
| Loan loss allowance to noncurrent loans | 281.7708% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.4288% | 5,317 |
| Noncurrent loans to loans | 0.7536% | 4,621 |
| Net loans and leases to total assets | 44.1920% | 5,639 |
| Net loans and leases to deposits | 52.0605% | 5,611 |
| Net loans and leases to core deposits | 52.0605% | 5,819 |
| Total domestic deposits to total assets | 84.8860% | 4,097 |
| Equity capital to assets | 8.4918% | 6,026 |
| Core capital (leverage) ratio | 8.4116% | 5,692 |
| Tier 1 risk-based capital ratio | 17.5669% | 2,534 |
| Total risk-based capital ratio | 18.8257% | 2,500 |
| Memoranda: | ||
| Average total assets | $57,168,500 | 5,989 |
| Average earning assets | $53,512,000 | 5,919 |
| Average equity | $4,788,500 | 6,305 |
| Average total loans | $26,061,500 | 6,067 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7345% | 5,981 |
| Cost of funding earning assets | 0.8025% | 2,646 |
| Net interest margin | 2.9319% | 6,172 |
| Noninterest income to average assets | 0.5868% | 3,352 |
| Noninterest expense to average assets | 1.9376% | 6,442 |
| Loan and lease loss provision to assets | 0.0111% | 5,776 |
| Net operating income to assets | 0.8827% | 2,901 |
| Return on assets (ROA) | 0.8802% | 3,157 |
| Pretax return on assets | 1.3379% | 2,264 |
| Return on Equity (ROE) | 10.2229% | 2,081 |
| Retained earnings to average equity (ytd only) | 4.8864% | 2,777 |
| Net charge-offs to loans | 0.0113% | 5,768 |
| Credit loss provision to net charge-offs | 200.0000% | 1,294 |
| Earnings coverage of net charge-offs (x) | 244.3333% | 169 |
| Efficiency ratio | 58.8895% | 5,708 |
| Assets per employee ($millions) | 4.4543% | 3,047 |
| Cash dividends to net income (ytd only)* | 52.2013% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0305% | 1,937 |
| Loan loss allowance to noncurrent loans | 307.3864% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.3903% | 5,509 |
| Noncurrent loans to loans | 0.6606% | 4,878 |
| Net loans and leases to total assets | 45.0782% | 5,715 |
| Net loans and leases to deposits | 54.2524% | 5,627 |
| Net loans and leases to core deposits | 54.5380% | 5,840 |
| Total domestic deposits to total assets | 83.0898% | 4,684 |
| Equity capital to assets | 8.2634% | 6,228 |
| Core capital (leverage) ratio | 8.4493% | 5,696 |
| Tier 1 risk-based capital ratio | 16.3574% | 2,961 |
| Total risk-based capital ratio | 17.6167% | 2,914 |
| Memoranda: | ||
| Average total assets | $54,190,000 | 6,081 |
| Average earning assets | $49,966,800 | 6,054 |
| Average equity | $4,666,000 | 6,396 |
| Average total loans | $26,480,400 | 6,114 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8023% | 6,020 |
| Cost of funding earning assets | 0.8353% | 2,666 |
| Net interest margin | 2.9670% | 6,242 |
| Noninterest income to average assets | 0.6133% | 3,198 |
| Noninterest expense to average assets | 1.8600% | 6,599 |
| Loan and lease loss provision to assets | 0.0100% | 5,681 |
| Net operating income to assets | 0.9972% | 2,523 |
| Return on assets (ROA) | 0.9938% | 2,768 |
| Pretax return on assets | 1.4770% | 1,974 |
| Return on Equity (ROE) | 11.4170% | 1,815 |
| Retained earnings to average equity (ytd only) | 6.1254% | 2,618 |
| Net charge-offs to loans | 0.0101% | 5,571 |
| Credit loss provision to net charge-offs | 200.0000% | 1,377 |
| Earnings coverage of net charge-offs (x) | 297.6217% | 155 |
| Efficiency ratio | 55.4892% | 6,106 |
| Assets per employee ($millions) | 4.0404% | 3,785 |
| Cash dividends to net income (ytd only)* | 46.3481% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0721% | 1,974 |
| Loan loss allowance to noncurrent loans | 1,058.8235% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 5,869 |
| Noncurrent loans to loans | 0.1957% | 6,120 |
| Net loans and leases to total assets | 48.5883% | 5,477 |
| Net loans and leases to deposits | 60.2280% | 5,180 |
| Net loans and leases to core deposits | 60.5869% | 5,500 |
| Total domestic deposits to total assets | 80.6740% | 5,463 |
| Equity capital to assets | 9.1061% | 5,702 |
| Core capital (leverage) ratio | 8.9062% | 5,188 |
| Tier 1 risk-based capital ratio | 17.1792% | 2,658 |
| Total risk-based capital ratio | 18.4393% | 2,608 |
| Memoranda: | ||
| Average total assets | $53,261,000 | 6,180 |
| Average earning assets | $49,162,250 | 6,153 |
| Average equity | $4,636,250 | 6,476 |
| Average total loans | $26,439,500 | 6,193 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7694% | 6,209 |
| Cost of funding earning assets | 0.8502% | 2,792 |
| Net interest margin | 2.9192% | 6,397 |
| Noninterest income to average assets | 0.5906% | 3,315 |
| Noninterest expense to average assets | 1.8278% | 6,720 |
| Loan and lease loss provision to assets | 0.0150% | 5,472 |
| Net operating income to assets | 0.9769% | 2,562 |
| Return on assets (ROA) | 0.9718% | 2,818 |
| Pretax return on assets | 1.4353% | 2,065 |
| Return on Equity (ROE) | 11.3356% | 1,863 |
| Retained earnings to average equity (ytd only) | 6.1038% | 2,651 |
| Net charge-offs to loans | 0.0151% | 5,215 |
| Credit loss provision to net charge-offs | 200.0000% | 1,419 |
| Earnings coverage of net charge-offs (x) | 195.0000% | 231 |
| Efficiency ratio | 55.6314% | 6,158 |
| Assets per employee ($millions) | 4.0233% | 3,823 |
| Cash dividends to net income (ytd only)* | 46.1538% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0319% | 2,147 |
| Loan loss allowance to noncurrent loans | 544.4444% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.3939% | 5,798 |
| Noncurrent loans to loans | 0.3732% | 5,796 |
| Net loans and leases to total assets | 49.6874% | 5,392 |
| Net loans and leases to deposits | 61.5086% | 5,068 |
| Net loans and leases to core deposits | 61.8762% | 5,402 |
| Total domestic deposits to total assets | 80.7812% | 5,535 |
| Equity capital to assets | 8.9192% | 5,782 |
| Core capital (leverage) ratio | 8.6772% | 5,409 |
| Tier 1 risk-based capital ratio | 16.9708% | 2,678 |
| Total risk-based capital ratio | 18.2281% | 2,636 |
| Memoranda: | ||
| Average total assets | $53,506,330 | 6,209 |
| Average earning assets | $49,397,670 | 6,177 |
| Average equity | $4,587,330 | 6,519 |
| Average total loans | $26,565,670 | 6,229 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8370% | 6,169 |
| Cost of funding earning assets | 0.8867% | 2,785 |
| Net interest margin | 2.9503% | 6,388 |
| Noninterest income to average assets | 0.5840% | 3,331 |
| Noninterest expense to average assets | 1.9664% | 6,523 |
| Loan and lease loss provision to assets | 0.0074% | 5,190 |
| Net operating income to assets | 0.9093% | 2,870 |
| Return on assets (ROA) | 0.9093% | 3,097 |
| Pretax return on assets | 1.3159% | 2,487 |
| Return on Equity (ROE) | 10.8168% | 2,100 |
| Retained earnings to average equity (ytd only) | 5.9800% | 2,970 |
| Net charge-offs to loans | -0.0150% | 6,083 |
| Credit loss provision to net charge-offs | -100.0000% | 5,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7753% | 5,651 |
| Assets per employee ($millions) | 4.1643% | 3,654 |
| Cash dividends to net income (ytd only)* | 44.7154% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1252% | 2,038 |
| Loan loss allowance to noncurrent loans | 503.7383% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.1977% | 6,392 |
| Noncurrent loans to loans | 0.4219% | 5,825 |
| Net loans and leases to total assets | 45.8530% | 5,799 |
| Net loans and leases to deposits | 57.1406% | 5,472 |
| Net loans and leases to core deposits | 57.4713% | 5,759 |
| Total domestic deposits to total assets | 80.2460% | 5,792 |
| Equity capital to assets | 8.4435% | 6,131 |
| Core capital (leverage) ratio | 8.2499% | 5,953 |
| Tier 1 risk-based capital ratio | 17.2294% | 2,587 |
| Total risk-based capital ratio | 18.4995% | 2,549 |
| Memoranda: | ||
| Average total assets | $54,108,000 | 6,227 |
| Average earning assets | $49,622,000 | 6,212 |
| Average equity | $4,548,500 | 6,566 |
| Average total loans | $26,585,000 | 6,276 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0526% | 6,358 |
| Cost of funding earning assets | 0.9598% | 3,649 |
| Net interest margin | 3.0927% | 6,363 |
| Noninterest income to average assets | 0.6394% | 2,950 |
| Noninterest expense to average assets | 2.0558% | 6,573 |
| Loan and lease loss provision to assets | 0.1394% | 4,878 |
| Net operating income to assets | 0.8749% | 2,718 |
| Return on assets (ROA) | 0.8736% | 2,859 |
| Pretax return on assets | 1.2993% | 2,135 |
| Return on Equity (ROE) | 10.7976% | 1,763 |
| Retained earnings to average equity (ytd only) | 7.7881% | 1,157 |
| Net charge-offs to loans | 0.0450% | 5,857 |
| Credit loss provision to net charge-offs | 576.9231% | 397 |
| Earnings coverage of net charge-offs (x) | 59.6154% | 481 |
| Efficiency ratio | 58.7985% | 5,935 |
| Assets per employee ($millions) | 4.1600% | 3,529 |
| Cash dividends to net income (ytd only)* | 27.8723% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9347% | 2,466 |
| Loan loss allowance to noncurrent loans | 747.2222% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 6,619 |
| Noncurrent loans to loans | 0.2589% | 6,209 |
| Net loans and leases to total assets | 50.4253% | 5,533 |
| Net loans and leases to deposits | 63.1162% | 5,109 |
| Net loans and leases to core deposits | 63.4865% | 5,522 |
| Total domestic deposits to total assets | 79.8928% | 5,769 |
| Equity capital to assets | 8.3691% | 6,282 |
| Core capital (leverage) ratio | 8.0967% | 6,148 |
| Tier 1 risk-based capital ratio | 15.8384% | 3,139 |
| Total risk-based capital ratio | 17.0950% | 3,095 |
| Memoranda: | ||
| Average total assets | $53,799,400 | 6,236 |
| Average earning assets | $49,697,000 | 6,205 |
| Average equity | $4,352,800 | 6,643 |
| Average total loans | $28,915,800 | 6,206 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0308% | 6,541 |
| Cost of funding earning assets | 0.9704% | 3,888 |
| Net interest margin | 3.0604% | 6,471 |
| Noninterest income to average assets | 0.6601% | 2,824 |
| Noninterest expense to average assets | 1.9753% | 6,740 |
| Loan and lease loss provision to assets | 0.1861% | 4,170 |
| Net operating income to assets | 0.8925% | 2,768 |
| Return on assets (ROA) | 0.8909% | 2,931 |
| Pretax return on assets | 1.3450% | 2,133 |
| Return on Equity (ROE) | 11.1069% | 1,830 |
| Retained earnings to average equity (ytd only) | 8.3225% | 1,381 |
| Net charge-offs to loans | 0.0914% | 5,055 |
| Credit loss provision to net charge-offs | 375.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 30.8954% | 918 |
| Efficiency ratio | 56.2942% | 6,240 |
| Assets per employee ($millions) | 4.0622% | 3,710 |
| Cash dividends to net income (ytd only)* | 25.0705% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8485% | 2,783 |
| Loan loss allowance to noncurrent loans | 453.8462% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 6,507 |
| Noncurrent loans to loans | 0.4073% | 6,033 |
| Net loans and leases to total assets | 53.3915% | 5,261 |
| Net loans and leases to deposits | 67.3780% | 4,709 |
| Net loans and leases to core deposits | 67.7862% | 5,200 |
| Total domestic deposits to total assets | 79.2418% | 5,940 |
| Equity capital to assets | 8.4665% | 6,333 |
| Core capital (leverage) ratio | 8.5296% | 5,668 |
| Tier 1 risk-based capital ratio | 15.3900% | 3,440 |
| Total risk-based capital ratio | 16.6480% | 3,412 |
| Memoranda: | ||
| Average total assets | $53,729,250 | 6,286 |
| Average earning assets | $50,013,500 | 6,244 |
| Average equity | $4,309,500 | 6,704 |
| Average total loans | $29,192,750 | 6,255 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9932% | 6,676 |
| Cost of funding earning assets | 0.9874% | 4,035 |
| Net interest margin | 3.0059% | 6,595 |
| Noninterest income to average assets | 0.6699% | 2,715 |
| Noninterest expense to average assets | 1.9727% | 6,848 |
| Loan and lease loss provision to assets | 0.2628% | 3,298 |
| Net operating income to assets | 0.7167% | 3,462 |
| Return on assets (ROA) | 0.7143% | 3,587 |
| Pretax return on assets | 1.2251% | 2,386 |
| Return on Equity (ROE) | 9.0703% | 2,480 |
| Retained earnings to average equity (ytd only) | 9.0703% | 1,082 |
| Net charge-offs to loans | 0.1636% | 4,193 |
| Credit loss provision to net charge-offs | 295.8333% | 1,033 |
| Earnings coverage of net charge-offs (x) | 16.7917% | 1,322 |
| Efficiency ratio | 56.9444% | 6,305 |
| Assets per employee ($millions) | 4.3363% | 3,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7913% | 3,024 |
| Loan loss allowance to noncurrent loans | 1,048.0000% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 6,853 |
| Noncurrent loans to loans | 0.1709% | 6,551 |
| Net loans and leases to total assets | 55.2099% | 5,122 |
| Net loans and leases to deposits | 70.2026% | 4,414 |
| Net loans and leases to core deposits | 70.6358% | 4,998 |
| Total domestic deposits to total assets | 78.6436% | 6,162 |
| Equity capital to assets | 8.3980% | 6,307 |
| Core capital (leverage) ratio | 8.1746% | 6,071 |
| Tier 1 risk-based capital ratio | 15.0164% | 3,488 |
| Total risk-based capital ratio | 16.2724% | 3,454 |
| Memoranda: | ||
| Average total assets | $54,036,330 | 6,331 |
| Average earning assets | $50,235,330 | 6,283 |
| Average equity | $4,255,670 | 6,761 |
| Average total loans | $29,348,330 | 6,315 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9008% | 6,823 |
| Cost of funding earning assets | 1.0044% | 4,175 |
| Net interest margin | 2.8964% | 6,768 |
| Noninterest income to average assets | 0.6905% | 2,625 |
| Noninterest expense to average assets | 2.1731% | 6,479 |
| Loan and lease loss provision to assets | 0.0291% | 5,606 |
| Net operating income to assets | 0.8067% | 2,993 |
| Return on assets (ROA) | 0.8067% | 3,058 |
| Pretax return on assets | 1.1919% | 2,404 |
| Return on Equity (ROE) | 10.5752% | 1,883 |
| Retained earnings to average equity (ytd only) | 10.5752% | 977 |
| Net charge-offs to loans | -0.0408% | 6,824 |
| Credit loss provision to net charge-offs | -133.3333% | 5,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0257% | 5,360 |
| Assets per employee ($millions) | 4.5183% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6796% | 3,413 |
| Loan loss allowance to noncurrent loans | 611.3924% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.1457% | 6,800 |
| Noncurrent loans to loans | 0.2747% | 6,441 |
| Net loans and leases to total assets | 52.1478% | 5,558 |
| Net loans and leases to deposits | 65.1400% | 5,103 |
| Net loans and leases to core deposits | 65.1400% | 5,607 |
| Total domestic deposits to total assets | 80.0550% | 5,932 |
| Equity capital to assets | 7.8349% | 6,650 |
| Core capital (leverage) ratio | 7.7373% | 6,520 |
| Tier 1 risk-based capital ratio | 14.9032% | 3,472 |
| Total risk-based capital ratio | 16.1563% | 3,441 |
| Memoranda: | ||
| Average total assets | $55,036,500 | 6,344 |
| Average earning assets | $51,374,500 | 6,293 |
| Average equity | $4,198,500 | 6,812 |
| Average total loans | $29,396,000 | 6,363 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1606% | 6,977 |
| Cost of funding earning assets | 1.2301% | 4,353 |
| Net interest margin | 2.9305% | 6,854 |
| Noninterest income to average assets | 0.7055% | 2,813 |
| Noninterest expense to average assets | 2.1257% | 6,781 |
| Loan and lease loss provision to assets | 0.1326% | 5,850 |
| Net operating income to assets | 0.7497% | 2,996 |
| Return on assets (ROA) | 0.7497% | 3,122 |
| Pretax return on assets | 1.1329% | 2,451 |
| Return on Equity (ROE) | 9.9336% | 1,954 |
| Retained earnings to average equity (ytd only) | 0.6346% | 5,260 |
| Net charge-offs to loans | 0.2537% | 4,764 |
| Credit loss provision to net charge-offs | 94.7368% | 4,903 |
| Earnings coverage of net charge-offs (x) | 9.0395% | 1,888 |
| Efficiency ratio | 62.6833% | 5,587 |
| Assets per employee ($millions) | 3.9896% | 3,810 |
| Cash dividends to net income (ytd only)* | 93.6118% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5848% | 3,643 |
| Loan loss allowance to noncurrent loans | 1,830.7692% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 7,118 |
| Noncurrent loans to loans | 0.0866% | 6,916 |
| Net loans and leases to total assets | 52.9219% | 5,792 |
| Net loans and leases to deposits | 65.9358% | 5,410 |
| Net loans and leases to core deposits | 65.9358% | 5,879 |
| Total domestic deposits to total assets | 80.2628% | 5,766 |
| Equity capital to assets | 7.4283% | 6,916 |
| Core capital (leverage) ratio | 7.5867% | 6,631 |
| Tier 1 risk-based capital ratio | 13.8742% | 3,943 |
| Total risk-based capital ratio | 15.1294% | 3,921 |
| Memoranda: | ||
| Average total assets | $54,287,000 | 6,391 |
| Average earning assets | $49,752,200 | 6,375 |
| Average equity | $4,097,200 | 6,963 |
| Average total loans | $29,957,000 | 6,401 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1590% | 7,141 |
| Cost of funding earning assets | 1.2631% | 4,478 |
| Net interest margin | 2.8959% | 7,010 |
| Noninterest income to average assets | 0.6976% | 2,826 |
| Noninterest expense to average assets | 2.1448% | 6,746 |
| Loan and lease loss provision to assets | 0.1064% | 5,973 |
| Net operating income to assets | 0.7595% | 3,181 |
| Return on assets (ROA) | 0.7595% | 3,337 |
| Pretax return on assets | 1.1009% | 2,820 |
| Return on Equity (ROE) | 10.0219% | 2,111 |
| Retained earnings to average equity (ytd only) | -1.5996% | 6,117 |
| Net charge-offs to loans | 0.0178% | 6,423 |
| Credit loss provision to net charge-offs | 1,075.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 122.0732% | 263 |
| Efficiency ratio | 63.9852% | 5,241 |
| Assets per employee ($millions) | 3.6839% | 4,544 |
| Cash dividends to net income (ytd only)* | 115.9606% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6787% | 3,226 |
| Loan loss allowance to noncurrent loans | 421.9512% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.2773% | 6,685 |
| Noncurrent loans to loans | 0.3978% | 6,404 |
| Net loans and leases to total assets | 58.9406% | 5,113 |
| Net loans and leases to deposits | 75.1329% | 4,328 |
| Net loans and leases to core deposits | 75.1329% | 5,165 |
| Total domestic deposits to total assets | 78.4484% | 6,155 |
| Equity capital to assets | 7.9439% | 6,846 |
| Core capital (leverage) ratio | 7.7885% | 6,577 |
| Tier 1 risk-based capital ratio | 13.7267% | 4,035 |
| Total risk-based capital ratio | 14.9813% | 3,989 |
| Memoranda: | ||
| Average total assets | $53,895,250 | 6,480 |
| Average earning assets | $49,401,250 | 6,461 |
| Average equity | $4,084,250 | 7,058 |
| Average total loans | $29,937,500 | 6,484 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0466% | 7,323 |
| Cost of funding earning assets | 1.2821% | 4,637 |
| Net interest margin | 2.7645% | 7,190 |
| Noninterest income to average assets | 0.6402% | 3,063 |
| Noninterest expense to average assets | 2.1365% | 6,804 |
| Loan and lease loss provision to assets | 0.0512% | 6,458 |
| Net operating income to assets | 0.6585% | 3,591 |
| Return on assets (ROA) | 0.6585% | 3,747 |
| Pretax return on assets | 0.9768% | 3,217 |
| Return on Equity (ROE) | 8.8235% | 2,539 |
| Retained earnings to average equity (ytd only) | -2.4510% | 6,216 |
| Net charge-offs to loans | -0.0946% | 7,546 |
| Credit loss provision to net charge-offs | -100.0000% | 6,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5145% | 4,673 |
| Assets per employee ($millions) | 3.7689% | 4,298 |
| Cash dividends to net income (ytd only)* | 127.7778% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6818% | 3,145 |
| Loan loss allowance to noncurrent loans | 659.7403% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 7,029 |
| Noncurrent loans to loans | 0.2549% | 6,723 |
| Net loans and leases to total assets | 56.2816% | 5,662 |
| Net loans and leases to deposits | 70.6113% | 5,194 |
| Net loans and leases to core deposits | 70.6113% | 5,815 |
| Total domestic deposits to total assets | 79.7062% | 5,817 |
| Equity capital to assets | 7.7229% | 6,982 |
| Core capital (leverage) ratio | 7.4867% | 6,831 |
| Tier 1 risk-based capital ratio | 13.9730% | 3,750 |
| Total risk-based capital ratio | 15.2298% | 3,704 |
| Memoranda: | ||
| Average total assets | $54,669,000 | 6,504 |
| Average earning assets | $49,919,000 | 6,475 |
| Average equity | $4,080,000 | 7,094 |
| Average total loans | $29,611,000 | 6,548 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0180% | 7,441 |
| Cost of funding earning assets | 1.3287% | 4,629 |
| Net interest margin | 2.6893% | 7,310 |
| Noninterest income to average assets | 0.6257% | 3,114 |
| Noninterest expense to average assets | 2.2869% | 6,414 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5537% | 4,120 |
| Return on assets (ROA) | 0.5537% | 4,259 |
| Pretax return on assets | 0.7695% | 3,993 |
| Return on Equity (ROE) | 7.5444% | 3,091 |
| Retained earnings to average equity (ytd only) | -7.5444% | 6,793 |
| Net charge-offs to loans | -0.0136% | 6,971 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8235% | 3,436 |
| Assets per employee ($millions) | 3.8934% | 4,113 |
| Cash dividends to net income (ytd only)* | 200.0000% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6729% | 3,163 |
| Loan loss allowance to noncurrent loans | 124.2894% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.7100% | 5,744 |
| Noncurrent loans to loans | 1.3459% | 4,728 |
| Net loans and leases to total assets | 51.8676% | 6,287 |
| Net loans and leases to deposits | 64.0929% | 6,044 |
| Net loans and leases to core deposits | 64.0929% | 6,444 |
| Total domestic deposits to total assets | 80.9257% | 5,485 |
| Equity capital to assets | 7.4173% | 7,125 |
| Core capital (leverage) ratio | 7.2095% | 7,105 |
| Tier 1 risk-based capital ratio | 14.0978% | 3,596 |
| Total risk-based capital ratio | 15.3533% | 3,556 |
| Memoranda: | ||
| Average total assets | $55,621,000 | 6,545 |
| Average earning assets | $50,273,500 | 6,539 |
| Average equity | $4,082,500 | 7,151 |
| Average total loans | $29,314,000 | 6,644 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6683% | 7,187 |
| Cost of funding earning assets | 1.5805% | 5,124 |
| Net interest margin | 3.0877% | 6,405 |
| Noninterest income to average assets | 0.6528% | 3,267 |
| Noninterest expense to average assets | 2.4029% | 6,458 |
| Loan and lease loss provision to assets | 0.1426% | 6,216 |
| Net operating income to assets | 0.5815% | 3,396 |
| Return on assets (ROA) | 0.5815% | 3,475 |
| Pretax return on assets | 0.8704% | 3,016 |
| Return on Equity (ROE) | 7.4977% | 2,582 |
| Retained earnings to average equity (ytd only) | 1.3061% | 4,132 |
| Net charge-offs to loans | 0.0780% | 6,329 |
| Credit loss provision to net charge-offs | 330.4348% | 986 |
| Earnings coverage of net charge-offs (x) | 23.4783% | 931 |
| Efficiency ratio | 70.3460% | 4,549 |
| Assets per employee ($millions) | 4.3642% | 3,169 |
| Cash dividends to net income (ytd only)* | 82.5806% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6067% | 3,260 |
| Loan loss allowance to noncurrent loans | 151.4196% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.5587% | 6,056 |
| Noncurrent loans to loans | 1.0611% | 5,201 |
| Net loans and leases to total assets | 51.8120% | 6,444 |
| Net loans and leases to deposits | 63.8231% | 6,291 |
| Net loans and leases to core deposits | 68.2177% | 6,868 |
| Total domestic deposits to total assets | 81.1806% | 5,275 |
| Equity capital to assets | 7.2655% | 7,224 |
| Core capital (leverage) ratio | 7.6653% | 6,593 |
| Tier 1 risk-based capital ratio | 13.8230% | 3,618 |
| Total risk-based capital ratio | 15.0781% | 3,550 |
| Memoranda: | ||
| Average total assets | $53,310,800 | 6,585 |
| Average earning assets | $47,705,000 | 6,610 |
| Average equity | $4,134,600 | 7,239 |
| Average total loans | $29,478,600 | 6,662 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8255% | 7,061 |
| Cost of funding earning assets | 1.6198% | 5,311 |
| Net interest margin | 3.2057% | 6,003 |
| Noninterest income to average assets | 0.6609% | 3,286 |
| Noninterest expense to average assets | 2.2393% | 6,877 |
| Loan and lease loss provision to assets | 0.1855% | 5,518 |
| Net operating income to assets | 0.7473% | 3,035 |
| Return on assets (ROA) | 0.7473% | 3,093 |
| Pretax return on assets | 1.1184% | 2,505 |
| Return on Equity (ROE) | 9.4735% | 2,108 |
| Retained earnings to average equity (ytd only) | 3.3511% | 3,429 |
| Net charge-offs to loans | 0.1361% | 5,338 |
| Credit loss provision to net charge-offs | 243.3333% | 1,786 |
| Earnings coverage of net charge-offs (x) | 17.0995% | 1,424 |
| Efficiency ratio | 63.1994% | 5,890 |
| Assets per employee ($millions) | 3.9529% | 3,822 |
| Cash dividends to net income (ytd only)* | 64.6266% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5652% | 3,146 |
| Loan loss allowance to noncurrent loans | 286.5854% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.3191% | 6,689 |
| Noncurrent loans to loans | 0.5462% | 6,220 |
| Net loans and leases to total assets | 57.5193% | 5,966 |
| Net loans and leases to deposits | 72.2902% | 5,602 |
| Net loans and leases to core deposits | 78.5616% | 6,447 |
| Total domestic deposits to total assets | 79.5672% | 5,602 |
| Equity capital to assets | 8.1303% | 6,713 |
| Core capital (leverage) ratio | 7.9871% | 6,383 |
| Tier 1 risk-based capital ratio | 14.3341% | 3,363 |
| Total risk-based capital ratio | 15.5885% | 3,305 |
| Memoranda: | ||
| Average total assets | $52,455,000 | 6,662 |
| Average earning assets | $47,164,500 | 6,682 |
| Average equity | $4,137,750 | 7,310 |
| Average total loans | $29,379,500 | 6,715 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9554% | 6,906 |
| Cost of funding earning assets | 1.6532% | 5,497 |
| Net interest margin | 3.3022% | 5,543 |
| Noninterest income to average assets | 0.6590% | 3,274 |
| Noninterest expense to average assets | 2.2268% | 6,985 |
| Loan and lease loss provision to assets | 0.2727% | 4,394 |
| Net operating income to assets | 0.7498% | 3,045 |
| Return on assets (ROA) | 0.7498% | 3,150 |
| Pretax return on assets | 1.1172% | 2,573 |
| Return on Equity (ROE) | 9.6016% | 2,164 |
| Retained earnings to average equity (ytd only) | 3.2975% | 3,489 |
| Net charge-offs to loans | 0.2469% | 3,965 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | 10.1944% | 2,022 |
| Efficiency ratio | 61.5707% | 6,306 |
| Assets per employee ($millions) | 4.0536% | 3,585 |
| Cash dividends to net income (ytd only)* | 65.6566% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5921% | 2,780 |
| Loan loss allowance to noncurrent loans | 353.4351% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 6,860 |
| Noncurrent loans to loans | 0.4505% | 6,399 |
| Net loans and leases to total assets | 54.3067% | 6,409 |
| Net loans and leases to deposits | 67.6149% | 6,235 |
| Net loans and leases to core deposits | 74.2630% | 6,774 |
| Total domestic deposits to total assets | 80.3177% | 5,348 |
| Equity capital to assets | 7.8467% | 6,916 |
| Core capital (leverage) ratio | 7.8465% | 6,554 |
| Tier 1 risk-based capital ratio | 14.4210% | 3,294 |
| Total risk-based capital ratio | 15.6769% | 3,226 |
| Memoranda: | ||
| Average total assets | $52,810,670 | 6,707 |
| Average earning assets | $47,302,330 | 6,737 |
| Average equity | $4,124,330 | 7,369 |
| Average total loans | $29,163,330 | 6,778 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2605% | 6,067 |
| Cost of funding earning assets | 1.6881% | 5,646 |
| Net interest margin | 3.5723% | 4,441 |
| Noninterest income to average assets | 0.6582% | 3,152 |
| Noninterest expense to average assets | 2.3077% | 6,514 |
| Loan and lease loss provision to assets | 0.0151% | 6,664 |
| Net operating income to assets | 1.0214% | 2,225 |
| Return on assets (ROA) | 1.0214% | 2,364 |
| Pretax return on assets | 1.5057% | 1,653 |
| Return on Equity (ROE) | 13.1100% | 1,363 |
| Retained earnings to average equity (ytd only) | 6.3122% | 2,491 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2767% | 6,358 |
| Assets per employee ($millions) | 3.7295% | 4,272 |
| Cash dividends to net income (ytd only)* | 51.8519% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4960% | 3,017 |
| Loan loss allowance to noncurrent loans | 221.1340% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.3716% | 6,395 |
| Noncurrent loans to loans | 0.6765% | 5,713 |
| Net loans and leases to total assets | 54.1015% | 6,453 |
| Net loans and leases to deposits | 66.8434% | 6,292 |
| Net loans and leases to core deposits | 72.5200% | 6,885 |
| Total domestic deposits to total assets | 80.9377% | 4,996 |
| Equity capital to assets | 7.9310% | 6,918 |
| Core capital (leverage) ratio | 7.8256% | 6,714 |
| Tier 1 risk-based capital ratio | 14.5508% | 3,282 |
| Total risk-based capital ratio | 15.8044% | 3,210 |
| Memoranda: | ||
| Average total assets | $52,867,500 | 6,745 |
| Average earning assets | $46,916,000 | 6,800 |
| Average equity | $4,119,000 | 7,409 |
| Average total loans | $29,204,500 | 6,811 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2299% | 4,355 |
| Cost of funding earning assets | 2.1775% | 5,693 |
| Net interest margin | 4.0524% | 2,906 |
| Noninterest income to average assets | 0.5955% | 3,865 |
| Noninterest expense to average assets | 2.5885% | 5,692 |
| Loan and lease loss provision to assets | 0.0968% | 6,152 |
| Net operating income to assets | 1.0439% | 2,386 |
| Return on assets (ROA) | 1.0439% | 2,276 |
| Pretax return on assets | 1.5985% | 1,388 |
| Return on Equity (ROE) | 10.0225% | 2,255 |
| Retained earnings to average equity (ytd only) | -31.4432% | 7,935 |
| Net charge-offs to loans | 0.1623% | 4,575 |
| Credit loss provision to net charge-offs | 108.3333% | 4,958 |
| Earnings coverage of net charge-offs (x) | 18.9792% | 1,670 |
| Efficiency ratio | 60.4257% | 6,273 |
| Assets per employee ($millions) | 3.5681% | 4,505 |
| Cash dividends to net income (ytd only)* | 413.7255% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4362% | 2,997 |
| Loan loss allowance to noncurrent loans | 124.1279% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.6427% | 5,290 |
| Noncurrent loans to loans | 1.1570% | 4,216 |
| Net loans and leases to total assets | 54.7532% | 6,573 |
| Net loans and leases to deposits | 66.3369% | 6,617 |
| Net loans and leases to core deposits | 72.0503% | 7,077 |
| Total domestic deposits to total assets | 82.5380% | 3,980 |
| Equity capital to assets | 7.6548% | 7,252 |
| Core capital (leverage) ratio | 7.7303% | 6,882 |
| Tier 1 risk-based capital ratio | 13.7583% | 3,668 |
| Total risk-based capital ratio | 15.0105% | 3,583 |
| Memoranda: | ||
| Average total assets | $53,738,400 | 6,629 |
| Average earning assets | $48,909,600 | 6,641 |
| Average equity | $5,597,400 | 6,950 |
| Average total loans | $29,579,800 | 6,731 |