Home > Community State Bank > Performance and Condition Ratios
Community State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8262% | 4,153 |
| Cost of funding earning assets | 0.5993% | 4,072 |
| Net interest margin | 3.2268% | 2,806 |
| Noninterest income to average assets | 0.9100% | 750 |
| Noninterest expense to average assets | 3.1340% | 908 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.7773% | 2,949 |
| Return on assets (ROA) | 0.7773% | 2,928 |
| Pretax return on assets | 0.7773% | 3,265 |
| Return on Equity (ROE) | 10.7200% | 2,301 |
| Retained earnings to average equity (ytd only) | 1.8126% | 3,621 |
| Net charge-offs to loans | 0.0383% | 1,546 |
| Credit loss provision to net charge-offs | 470.0000% | 707 |
| Earnings coverage of net charge-offs (x) | 73.3000% | 1,077 |
| Efficiency ratio | 79.0512% | 983 |
| Assets per employee ($millions) | 5.1315% | 3,536 |
| Cash dividends to net income (ytd only)* | 83.0904% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5175% | 999 |
| Loan loss allowance to noncurrent loans | 122.0588% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 1,420 |
| Noncurrent loans to loans | 1.2432% | 567 |
| Net loans and leases to total assets | 30.8700% | 4,274 |
| Net loans and leases to deposits | 35.2517% | 4,282 |
| Net loans and leases to core deposits | 37.3483% | 4,324 |
| Total domestic deposits to total assets | 87.5800% | 1,493 |
| Equity capital to assets | 7.3938% | 3,773 |
| Core capital (leverage) ratio | 7.3468% | 4,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1844% | 591 |
| Memoranda: | ||
| Average total assets | $88,257,000 | 3,931 |
| Average earning assets | $83,425,200 | 3,895 |
| Average equity | $6,399,800 | 4,121 |
| Average total loans | $26,116,200 | 4,202 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7756% | 4,135 |
| Cost of funding earning assets | 0.5360% | 4,081 |
| Net interest margin | 3.2397% | 2,822 |
| Noninterest income to average assets | 0.9200% | 732 |
| Noninterest expense to average assets | 3.1467% | 875 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.7788% | 3,090 |
| Return on assets (ROA) | 0.7788% | 3,078 |
| Pretax return on assets | 0.7788% | 3,382 |
| Return on Equity (ROE) | 10.7900% | 2,428 |
| Retained earnings to average equity (ytd only) | 1.8787% | 3,748 |
| Net charge-offs to loans | 0.0517% | 1,161 |
| Credit loss provision to net charge-offs | 390.0000% | 733 |
| Earnings coverage of net charge-offs (x) | 55.6000% | 1,251 |
| Efficiency ratio | 78.9792% | 937 |
| Assets per employee ($millions) | 4.9989% | 3,608 |
| Cash dividends to net income (ytd only)* | 82.5919% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 1,105 |
| Loan loss allowance to noncurrent loans | 84.4398% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.5357% | 1,095 |
| Noncurrent loans to loans | 1.7811% | 366 |
| Net loans and leases to total assets | 29.6200% | 4,322 |
| Net loans and leases to deposits | 31.9501% | 4,355 |
| Net loans and leases to core deposits | 33.5081% | 4,356 |
| Total domestic deposits to total assets | 92.7200% | 348 |
| Equity capital to assets | 7.1394% | 3,547 |
| Core capital (leverage) ratio | 7.2994% | 4,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0949% | 620 |
| Memoranda: | ||
| Average total assets | $88,512,500 | 3,940 |
| Average earning assets | $83,587,000 | 3,907 |
| Average equity | $6,387,250 | 4,128 |
| Average total loans | $25,808,250 | 4,222 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7381% | 4,099 |
| Cost of funding earning assets | 0.4574% | 4,068 |
| Net interest margin | 3.2807% | 2,792 |
| Noninterest income to average assets | 0.8800% | 722 |
| Noninterest expense to average assets | 3.1628% | 827 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.8248% | 3,001 |
| Return on assets (ROA) | 0.8248% | 3,011 |
| Pretax return on assets | 0.8248% | 3,343 |
| Return on Equity (ROE) | 11.3900% | 2,331 |
| Retained earnings to average equity (ytd only) | 2.4471% | 3,612 |
| Net charge-offs to loans | 0.0236% | 1,408 |
| Credit loss provision to net charge-offs | 133.3333% | 1,270 |
| Earnings coverage of net charge-offs (x) | 122.3333% | 834 |
| Efficiency ratio | 79.1359% | 900 |
| Assets per employee ($millions) | 4.5321% | 3,930 |
| Cash dividends to net income (ytd only)* | 78.5124% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4498% | 1,355 |
| Loan loss allowance to noncurrent loans | 78.1443% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.5632% | 965 |
| Noncurrent loans to loans | 1.8553% | 319 |
| Net loans and leases to total assets | 29.9200% | 4,333 |
| Net loans and leases to deposits | 33.1813% | 4,348 |
| Net loans and leases to core deposits | 33.2894% | 4,368 |
| Total domestic deposits to total assets | 90.1600% | 882 |
| Equity capital to assets | 7.4464% | 3,554 |
| Core capital (leverage) ratio | 7.2601% | 4,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8199% | 567 |
| Memoranda: | ||
| Average total assets | $88,023,333 | 3,961 |
| Average earning assets | $83,518,667 | 3,920 |
| Average equity | $6,375,000 | 4,155 |
| Average total loans | $25,390,333 | 4,240 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6516% | 4,101 |
| Cost of funding earning assets | 0.4559% | 3,821 |
| Net interest margin | 3.1957% | 3,125 |
| Noninterest income to average assets | 0.8600% | 744 |
| Noninterest expense to average assets | 3.0389% | 1,005 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8406% | 3,050 |
| Return on assets (ROA) | 0.8406% | 3,008 |
| Pretax return on assets | 0.8406% | 3,364 |
| Return on Equity (ROE) | 11.7700% | 2,280 |
| Retained earnings to average equity (ytd only) | 2.8317% | 3,542 |
| Net charge-offs to loans | 0.0320% | 1,077 |
| Credit loss provision to net charge-offs | 50.0000% | 1,300 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 817 |
| Efficiency ratio | 78.2407% | 981 |
| Assets per employee ($millions) | 5.3021% | 3,416 |
| Cash dividends to net income (ytd only)* | 75.9358% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 1,320 |
| Loan loss allowance to noncurrent loans | 63.5750% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 0.6579% | 751 |
| Noncurrent loans to loans | 2.3369% | 212 |
| Net loans and leases to total assets | 27.7300% | 4,409 |
| Net loans and leases to deposits | 29.8662% | 4,447 |
| Net loans and leases to core deposits | 29.9564% | 4,460 |
| Total domestic deposits to total assets | 92.8600% | 330 |
| Equity capital to assets | 7.0772% | 3,793 |
| Core capital (leverage) ratio | 7.0260% | 4,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8839% | 577 |
| Memoranda: | ||
| Average total assets | $88,980,500 | 4,004 |
| Average earning assets | $84,238,000 | 3,968 |
| Average equity | $6,356,500 | 4,210 |
| Average total loans | $25,015,000 | 4,309 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4105% | 3,317 |
| Cost of funding earning assets | 0.0865% | 4,447 |
| Net interest margin | 3.3240% | 2,498 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 2.9489% | 1,047 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.9792% | 2,642 |
| Return on assets (ROA) | 0.9792% | 2,592 |
| Pretax return on assets | 0.9792% | 3,134 |
| Return on Equity (ROE) | 14.0700% | 1,517 |
| Retained earnings to average equity (ytd only) | 4.9337% | 3,080 |
| Net charge-offs to loans | 0.0731% | 913 |
| Credit loss provision to net charge-offs | 250.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 50.8333% | 1,348 |
| Efficiency ratio | 74.1160% | 1,211 |
| Assets per employee ($millions) | 5.1662% | 3,539 |
| Cash dividends to net income (ytd only)* | 64.9425% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5332% | 1,112 |
| Loan loss allowance to noncurrent loans | 63.4228% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 0.6786% | 721 |
| Noncurrent loans to loans | 2.4174% | 195 |
| Net loans and leases to total assets | 27.6400% | 4,443 |
| Net loans and leases to deposits | 29.7907% | 4,478 |
| Net loans and leases to core deposits | 29.8827% | 4,485 |
| Total domestic deposits to total assets | 92.7900% | 451 |
| Equity capital to assets | 7.2120% | 3,544 |
| Core capital (leverage) ratio | 7.0649% | 4,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1782% | 537 |
| Memoranda: | ||
| Average total assets | $88,846,400 | 4,028 |
| Average earning assets | $84,356,800 | 3,988 |
| Average equity | $6,182,000 | 4,308 |
| Average total loans | $24,637,600 | 4,338 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3313% | 3,094 |
| Cost of funding earning assets | 0.0614% | 4,525 |
| Net interest margin | 3.2699% | 2,391 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 2.9224% | 1,016 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.9697% | 2,596 |
| Return on assets (ROA) | 0.9697% | 2,564 |
| Pretax return on assets | 0.9697% | 3,114 |
| Return on Equity (ROE) | 14.0600% | 1,415 |
| Retained earnings to average equity (ytd only) | 5.1648% | 3,043 |
| Net charge-offs to loans | 0.0054% | 1,971 |
| Credit loss provision to net charge-offs | 3,500.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 683.0000% | 241 |
| Efficiency ratio | 74.0895% | 1,268 |
| Assets per employee ($millions) | 5.2328% | 3,475 |
| Cash dividends to net income (ytd only)* | 63.2716% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5712% | 1,118 |
| Loan loss allowance to noncurrent loans | 46.2740% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 0.8833% | 547 |
| Noncurrent loans to loans | 3.3955% | 131 |
| Net loans and leases to total assets | 25.6100% | 4,517 |
| Net loans and leases to deposits | 27.4567% | 4,545 |
| Net loans and leases to core deposits | 27.7739% | 4,545 |
| Total domestic deposits to total assets | 93.2600% | 512 |
| Equity capital to assets | 6.6535% | 3,676 |
| Core capital (leverage) ratio | 6.6543% | 4,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7037% | 584 |
| Memoranda: | ||
| Average total assets | $89,101,500 | 4,054 |
| Average earning assets | $84,689,500 | 4,012 |
| Average equity | $6,144,000 | 4,357 |
| Average total loans | $24,633,250 | 4,368 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2853% | 2,784 |
| Cost of funding earning assets | 0.0505% | 4,597 |
| Net interest margin | 3.2347% | 2,091 |
| Noninterest income to average assets | 0.8764% | 887 |
| Noninterest expense to average assets | 2.9312% | 942 |
| Loan and lease loss provision to assets | 0.0458% | 1,752 |
| Net operating income to assets | 0.9748% | 2,244 |
| Return on assets (ROA) | 0.9748% | 2,218 |
| Pretax return on assets | 0.9748% | 2,814 |
| Return on Equity (ROE) | 13.9603% | 1,123 |
| Retained earnings to average equity (ytd only) | 4.9484% | 2,725 |
| Net charge-offs to loans | 0.0081% | 1,694 |
| Credit loss provision to net charge-offs | 2,000.0000% | 241 |
| Earnings coverage of net charge-offs (x) | 446.0000% | 283 |
| Efficiency ratio | 74.1749% | 1,488 |
| Assets per employee ($millions) | 5.0249% | 3,653 |
| Cash dividends to net income (ytd only)* | 64.5540% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4487% | 1,562 |
| Loan loss allowance to noncurrent loans | 61.5641% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 0.6645% | 823 |
| Noncurrent loans to loans | 2.3531% | 257 |
| Net loans and leases to total assets | 27.8289% | 4,520 |
| Net loans and leases to deposits | 29.8893% | 4,545 |
| Net loans and leases to core deposits | 30.2492% | 4,562 |
| Total domestic deposits to total assets | 93.1066% | 494 |
| Equity capital to assets | 6.8326% | 3,850 |
| Core capital (leverage) ratio | 6.7800% | 4,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3522% | 598 |
| Memoranda: | ||
| Average total assets | $87,405,000 | 4,110 |
| Average earning assets | $83,098,667 | 4,087 |
| Average equity | $6,103,000 | 4,402 |
| Average total loans | $24,676,667 | 4,414 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2342% | 2,588 |
| Cost of funding earning assets | 0.0538% | 4,568 |
| Net interest margin | 3.1804% | 1,940 |
| Noninterest income to average assets | 0.8663% | 895 |
| Noninterest expense to average assets | 2.8876% | 980 |
| Loan and lease loss provision to assets | 0.0233% | 1,940 |
| Net operating income to assets | 0.9827% | 1,955 |
| Return on assets (ROA) | 0.9827% | 1,953 |
| Pretax return on assets | 0.9827% | 2,491 |
| Return on Equity (ROE) | 13.9171% | 850 |
| Retained earnings to average equity (ytd only) | 4.6830% | 2,712 |
| Net charge-offs to loans | 0.0660% | 667 |
| Credit loss provision to net charge-offs | 125.0000% | 914 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 895 |
| Efficiency ratio | 74.1627% | 1,724 |
| Assets per employee ($millions) | 4.9579% | 3,786 |
| Cash dividends to net income (ytd only)* | 66.3507% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 1,802 |
| Loan loss allowance to noncurrent loans | 58.3748% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 0.6757% | 858 |
| Noncurrent loans to loans | 2.4473% | 252 |
| Net loans and leases to total assets | 27.2145% | 4,529 |
| Net loans and leases to deposits | 29.2217% | 4,569 |
| Net loans and leases to core deposits | 29.5783% | 4,588 |
| Total domestic deposits to total assets | 93.1311% | 243 |
| Equity capital to assets | 6.8353% | 4,286 |
| Core capital (leverage) ratio | 7.0203% | 4,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5311% | 598 |
| Memoranda: | ||
| Average total assets | $85,883,000 | 4,147 |
| Average earning assets | $81,751,000 | 4,116 |
| Average equity | $6,064,500 | 4,459 |
| Average total loans | $24,244,500 | 4,445 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7570% | 1,969 |
| Cost of funding earning assets | 0.0545% | 4,667 |
| Net interest margin | 3.7025% | 1,207 |
| Noninterest income to average assets | 0.8476% | 1,325 |
| Noninterest expense to average assets | 3.0911% | 849 |
| Loan and lease loss provision to assets | 0.2020% | 527 |
| Net operating income to assets | 1.0681% | 2,425 |
| Return on assets (ROA) | 1.0681% | 2,500 |
| Pretax return on assets | 1.0681% | 3,071 |
| Return on Equity (ROE) | 14.7917% | 995 |
| Retained earnings to average equity (ytd only) | 5.8348% | 2,425 |
| Net charge-offs to loans | 0.7297% | 103 |
| Credit loss provision to net charge-offs | 92.1348% | 1,866 |
| Earnings coverage of net charge-offs (x) | 5.7921% | 2,430 |
| Efficiency ratio | 70.8757% | 1,633 |
| Assets per employee ($millions) | 4.3433% | 4,237 |
| Cash dividends to net income (ytd only)* | 60.5536% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 1,655 |
| Loan loss allowance to noncurrent loans | 57.9208% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 0.7343% | 844 |
| Noncurrent loans to loans | 2.5409% | 266 |
| Net loans and leases to total assets | 28.4757% | 4,554 |
| Net loans and leases to deposits | 30.7241% | 4,611 |
| Net loans and leases to core deposits | 31.1319% | 4,620 |
| Total domestic deposits to total assets | 92.6820% | 72 |
| Equity capital to assets | 7.3058% | 4,654 |
| Core capital (leverage) ratio | 7.2513% | 4,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0693% | 554 |
| Memoranda: | ||
| Average total assets | $81,168,800 | 4,201 |
| Average earning assets | $77,029,800 | 4,171 |
| Average equity | $5,861,400 | 4,545 |
| Average total loans | $24,393,000 | 4,490 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7762% | 2,070 |
| Cost of funding earning assets | 0.0556% | 4,753 |
| Net interest margin | 3.7205% | 1,294 |
| Noninterest income to average assets | 0.8726% | 1,317 |
| Noninterest expense to average assets | 3.0367% | 908 |
| Loan and lease loss provision to assets | 0.2623% | 337 |
| Net operating income to assets | 1.1035% | 2,542 |
| Return on assets (ROA) | 1.1035% | 2,597 |
| Pretax return on assets | 1.1035% | 3,186 |
| Return on Equity (ROE) | 15.3274% | 1,083 |
| Retained earnings to average equity (ytd only) | 6.6213% | 2,573 |
| Net charge-offs to loans | 0.0272% | 1,502 |
| Credit loss provision to net charge-offs | 3,180.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 165.6000% | 632 |
| Efficiency ratio | 68.9771% | 1,707 |
| Assets per employee ($millions) | 4.4106% | 4,181 |
| Cash dividends to net income (ytd only)* | 56.8012% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2253% | 438 |
| Loan loss allowance to noncurrent loans | 65.8629% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 0.9403% | 718 |
| Noncurrent loans to loans | 3.3786% | 172 |
| Net loans and leases to total assets | 27.2121% | 4,673 |
| Net loans and leases to deposits | 29.3839% | 4,717 |
| Net loans and leases to core deposits | 29.7683% | 4,729 |
| Total domestic deposits to total assets | 92.6087% | 62 |
| Equity capital to assets | 7.1312% | 4,781 |
| Core capital (leverage) ratio | 7.0592% | 4,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4442% | 506 |
| Memoranda: | ||
| Average total assets | $80,830,250 | 4,258 |
| Average earning assets | $76,689,500 | 4,227 |
| Average equity | $5,819,500 | 4,614 |
| Average total loans | $24,528,750 | 4,545 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6593% | 2,445 |
| Cost of funding earning assets | 0.0555% | 4,800 |
| Net interest margin | 3.6038% | 1,583 |
| Noninterest income to average assets | 0.8843% | 1,313 |
| Noninterest expense to average assets | 3.0210% | 953 |
| Loan and lease loss provision to assets | 0.2480% | 399 |
| Net operating income to assets | 1.0296% | 2,793 |
| Return on assets (ROA) | 1.0296% | 2,872 |
| Pretax return on assets | 1.0296% | 3,372 |
| Return on Equity (ROE) | 14.2527% | 1,336 |
| Retained earnings to average equity (ytd only) | 5.9300% | 2,831 |
| Net charge-offs to loans | 0.0481% | 1,145 |
| Credit loss provision to net charge-offs | 1,650.0000% | 336 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 816 |
| Efficiency ratio | 70.2797% | 1,598 |
| Assets per employee ($millions) | 4.2307% | 4,306 |
| Cash dividends to net income (ytd only)* | 58.3942% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9379% | 689 |
| Loan loss allowance to noncurrent loans | 57.9014% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 0.9348% | 823 |
| Noncurrent loans to loans | 3.3469% | 195 |
| Net loans and leases to total assets | 27.3903% | 4,719 |
| Net loans and leases to deposits | 29.5183% | 4,764 |
| Net loans and leases to core deposits | 29.8995% | 4,777 |
| Total domestic deposits to total assets | 92.7908% | 47 |
| Equity capital to assets | 6.9232% | 4,862 |
| Core capital (leverage) ratio | 7.0664% | 4,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2241% | 531 |
| Memoranda: | ||
| Average total assets | $79,840,000 | 4,293 |
| Average earning assets | $75,642,667 | 4,267 |
| Average equity | $5,767,333 | 4,647 |
| Average total loans | $24,930,667 | 4,569 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5442% | 2,800 |
| Cost of funding earning assets | 0.0546% | 4,849 |
| Net interest margin | 3.4896% | 1,850 |
| Noninterest income to average assets | 0.8470% | 1,474 |
| Noninterest expense to average assets | 2.9282% | 1,112 |
| Loan and lease loss provision to assets | 0.2376% | 458 |
| Net operating income to assets | 0.9812% | 2,868 |
| Return on assets (ROA) | 0.9812% | 2,965 |
| Pretax return on assets | 0.9812% | 3,427 |
| Return on Equity (ROE) | 13.2821% | 1,597 |
| Retained earnings to average equity (ytd only) | 4.8934% | 3,255 |
| Net charge-offs to loans | 0.0156% | 1,429 |
| Credit loss provision to net charge-offs | 4,600.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 236.0000% | 356 |
| Efficiency ratio | 70.6102% | 1,637 |
| Assets per employee ($millions) | 4.0732% | 4,434 |
| Cash dividends to net income (ytd only)* | 63.1579% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6113% | 1,257 |
| Loan loss allowance to noncurrent loans | 51.6373% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 0.9747% | 850 |
| Noncurrent loans to loans | 3.1205% | 243 |
| Net loans and leases to total assets | 30.7317% | 4,676 |
| Net loans and leases to deposits | 33.1559% | 4,740 |
| Net loans and leases to core deposits | 33.3773% | 4,768 |
| Total domestic deposits to total assets | 92.6887% | 58 |
| Equity capital to assets | 7.0670% | 4,831 |
| Core capital (leverage) ratio | 7.2683% | 4,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6398% | 615 |
| Memoranda: | ||
| Average total assets | $77,453,000 | 4,346 |
| Average earning assets | $73,245,500 | 4,310 |
| Average equity | $5,722,000 | 4,668 |
| Average total loans | $25,579,000 | 4,583 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7715% | 3,385 |
| Cost of funding earning assets | 0.0788% | 4,916 |
| Net interest margin | 3.6927% | 1,823 |
| Noninterest income to average assets | 0.8067% | 1,511 |
| Noninterest expense to average assets | 3.1593% | 1,126 |
| Loan and lease loss provision to assets | 0.2203% | 1,775 |
| Net operating income to assets | 0.9094% | 2,653 |
| Return on assets (ROA) | 0.9094% | 2,787 |
| Pretax return on assets | 0.9094% | 3,337 |
| Return on Equity (ROE) | 12.4764% | 1,182 |
| Retained earnings to average equity (ytd only) | 3.2998% | 3,179 |
| Net charge-offs to loans | 0.6152% | 248 |
| Credit loss provision to net charge-offs | 105.1613% | 2,767 |
| Earnings coverage of net charge-offs (x) | 5.3935% | 2,869 |
| Efficiency ratio | 73.6610% | 1,489 |
| Assets per employee ($millions) | 3.6722% | 4,575 |
| Cash dividends to net income (ytd only)* | 73.5513% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4195% | 1,891 |
| Loan loss allowance to noncurrent loans | 45.8543% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 1.0838% | 846 |
| Noncurrent loans to loans | 3.0957% | 269 |
| Net loans and leases to total assets | 34.5138% | 4,628 |
| Net loans and leases to deposits | 37.4300% | 4,710 |
| Net loans and leases to core deposits | 37.7090% | 4,747 |
| Total domestic deposits to total assets | 92.2089% | 53 |
| Equity capital to assets | 7.7434% | 4,788 |
| Core capital (leverage) ratio | 7.5711% | 4,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2365% | 645 |
| Memoranda: | ||
| Average total assets | $74,003,200 | 4,322 |
| Average earning assets | $69,786,600 | 4,298 |
| Average equity | $5,394,200 | 4,705 |
| Average total loans | $25,195,800 | 4,611 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8759% | 3,335 |
| Cost of funding earning assets | 0.0839% | 4,955 |
| Net interest margin | 3.7920% | 1,638 |
| Noninterest income to average assets | 0.8128% | 1,443 |
| Noninterest expense to average assets | 3.2045% | 1,069 |
| Loan and lease loss provision to assets | 0.2482% | 1,633 |
| Net operating income to assets | 0.9369% | 2,578 |
| Return on assets (ROA) | 0.9369% | 2,704 |
| Pretax return on assets | 0.9369% | 3,276 |
| Return on Equity (ROE) | 13.0549% | 1,096 |
| Retained earnings to average equity (ytd only) | 3.4078% | 3,356 |
| Net charge-offs to loans | 0.5159% | 287 |
| Credit loss provision to net charge-offs | 142.2680% | 2,370 |
| Earnings coverage of net charge-offs (x) | 6.7938% | 2,625 |
| Efficiency ratio | 73.0029% | 1,523 |
| Assets per employee ($millions) | 3.6778% | 4,565 |
| Cash dividends to net income (ytd only)* | 73.8964% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5014% | 1,378 |
| Loan loss allowance to noncurrent loans | 35.7914% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 1.5118% | 557 |
| Noncurrent loans to loans | 4.1950% | 151 |
| Net loans and leases to total assets | 35.4968% | 4,699 |
| Net loans and leases to deposits | 38.5234% | 4,785 |
| Net loans and leases to core deposits | 38.6660% | 4,814 |
| Total domestic deposits to total assets | 92.1434% | 47 |
| Equity capital to assets | 7.6744% | 4,817 |
| Core capital (leverage) ratio | 7.5077% | 4,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7863% | 700 |
| Memoranda: | ||
| Average total assets | $74,143,250 | 4,329 |
| Average earning assets | $69,934,250 | 4,308 |
| Average equity | $5,321,000 | 4,738 |
| Average total loans | $25,066,500 | 4,638 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0751% | 3,111 |
| Cost of funding earning assets | 0.0942% | 4,977 |
| Net interest margin | 3.9809% | 1,371 |
| Noninterest income to average assets | 0.8179% | 1,387 |
| Noninterest expense to average assets | 3.1935% | 1,177 |
| Loan and lease loss provision to assets | 0.3228% | 1,325 |
| Net operating income to assets | 1.0546% | 2,129 |
| Return on assets (ROA) | 1.0546% | 2,262 |
| Pretax return on assets | 1.0546% | 2,858 |
| Return on Equity (ROE) | 15.0393% | 704 |
| Retained earnings to average equity (ytd only) | 4.6806% | 2,617 |
| Net charge-offs to loans | 0.7972% | 195 |
| Credit loss provision to net charge-offs | 122.4490% | 2,267 |
| Earnings coverage of net charge-offs (x) | 5.2245% | 2,529 |
| Efficiency ratio | 69.8646% | 1,976 |
| Assets per employee ($millions) | 3.9728% | 4,340 |
| Cash dividends to net income (ytd only)* | 68.8776% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 1,307 |
| Loan loss allowance to noncurrent loans | 43.2648% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 1.1025% | 1,034 |
| Noncurrent loans to loans | 3.4290% | 239 |
| Net loans and leases to total assets | 31.6758% | 4,824 |
| Net loans and leases to deposits | 34.1432% | 4,883 |
| Net loans and leases to core deposits | 34.2594% | 4,897 |
| Total domestic deposits to total assets | 92.7733% | 21 |
| Equity capital to assets | 7.0870% | 4,960 |
| Core capital (leverage) ratio | 7.3254% | 4,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9363% | 681 |
| Memoranda: | ||
| Average total assets | $74,339,000 | 4,328 |
| Average earning assets | $70,084,667 | 4,311 |
| Average equity | $5,213,000 | 4,776 |
| Average total loans | $24,586,000 | 4,677 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2215% | 3,144 |
| Cost of funding earning assets | 0.1064% | 5,035 |
| Net interest margin | 4.1151% | 1,102 |
| Noninterest income to average assets | 0.8805% | 1,104 |
| Noninterest expense to average assets | 3.2822% | 1,256 |
| Loan and lease loss provision to assets | 0.3344% | 923 |
| Net operating income to assets | 1.1424% | 1,711 |
| Return on assets (ROA) | 1.1424% | 1,816 |
| Pretax return on assets | 1.1424% | 2,384 |
| Return on Equity (ROE) | 16.3869% | 388 |
| Retained earnings to average equity (ytd only) | 5.5955% | 2,032 |
| Net charge-offs to loans | 0.0498% | 1,513 |
| Credit loss provision to net charge-offs | 2,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 88.3333% | 631 |
| Efficiency ratio | 68.9696% | 2,511 |
| Assets per employee ($millions) | 3.9283% | 4,024 |
| Cash dividends to net income (ytd only)* | 65.8537% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 866 |
| Loan loss allowance to noncurrent loans | 45.8980% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 1.2085% | 1,024 |
| Noncurrent loans to loans | 3.7243% | 233 |
| Net loans and leases to total assets | 31.8944% | 4,865 |
| Net loans and leases to deposits | 34.2193% | 4,931 |
| Net loans and leases to core deposits | 34.2193% | 4,945 |
| Total domestic deposits to total assets | 93.2058% | 9 |
| Equity capital to assets | 6.7513% | 5,079 |
| Core capital (leverage) ratio | 6.8960% | 5,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4736% | 1,074 |
| Memoranda: | ||
| Average total assets | $71,781,000 | 4,379 |
| Average earning assets | $67,653,000 | 4,358 |
| Average equity | $5,004,000 | 4,836 |
| Average total loans | $24,105,500 | 4,719 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2151% | 3,773 |
| Cost of funding earning assets | 0.0969% | 5,109 |
| Net interest margin | 4.1182% | 1,490 |
| Noninterest income to average assets | 1.0687% | 830 |
| Noninterest expense to average assets | 3.1919% | 1,540 |
| Loan and lease loss provision to assets | 0.4277% | 323 |
| Net operating income to assets | 1.3225% | 1,604 |
| Return on assets (ROA) | 1.3225% | 1,684 |
| Pretax return on assets | 1.3225% | 2,430 |
| Return on Equity (ROE) | 19.7802% | 226 |
| Retained earnings to average equity (ytd only) | 8.9567% | 720 |
| Net charge-offs to loans | 1.3633% | 107 |
| Credit loss provision to net charge-offs | 95.6113% | 2,582 |
| Earnings coverage of net charge-offs (x) | 3.9122% | 3,279 |
| Efficiency ratio | 64.5857% | 2,992 |
| Assets per employee ($millions) | 3.8292% | 4,125 |
| Cash dividends to net income (ytd only)* | 54.7190% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 1,264 |
| Loan loss allowance to noncurrent loans | 46.6667% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 1.1099% | 1,095 |
| Noncurrent loans to loans | 3.1886% | 277 |
| Net loans and leases to total assets | 34.2909% | 4,892 |
| Net loans and leases to deposits | 36.9557% | 4,959 |
| Net loans and leases to core deposits | 36.9557% | 4,982 |
| Total domestic deposits to total assets | 92.7893% | 15 |
| Equity capital to assets | 7.2093% | 5,122 |
| Core capital (leverage) ratio | 7.1851% | 5,130 |
| Tier 1 risk-based capital ratio | 17.5471% | 1,878 |
| Total risk-based capital ratio | 18.7972% | 1,829 |
| Memoranda: | ||
| Average total assets | $71,304,600 | 4,408 |
| Average earning assets | $67,068,800 | 4,390 |
| Average equity | $4,767,400 | 4,910 |
| Average total loans | $23,399,000 | 4,795 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1753% | 3,981 |
| Cost of funding earning assets | 0.0985% | 5,185 |
| Net interest margin | 4.0768% | 1,682 |
| Noninterest income to average assets | 1.1200% | 723 |
| Noninterest expense to average assets | 3.1580% | 1,560 |
| Loan and lease loss provision to assets | 0.4321% | 301 |
| Net operating income to assets | 1.3667% | 1,586 |
| Return on assets (ROA) | 1.3667% | 1,652 |
| Pretax return on assets | 1.3667% | 2,433 |
| Return on Equity (ROE) | 20.8319% | 204 |
| Retained earnings to average equity (ytd only) | 9.8932% | 778 |
| Net charge-offs to loans | 1.6974% | 72 |
| Credit loss provision to net charge-offs | 78.7162% | 2,521 |
| Earnings coverage of net charge-offs (x) | 3.2770% | 3,117 |
| Efficiency ratio | 63.7112% | 3,059 |
| Assets per employee ($millions) | 3.8189% | 4,141 |
| Cash dividends to net income (ytd only)* | 52.5106% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 1,914 |
| Loan loss allowance to noncurrent loans | 40.2614% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 1.1129% | 1,175 |
| Noncurrent loans to loans | 3.2605% | 269 |
| Net loans and leases to total assets | 33.6844% | 4,995 |
| Net loans and leases to deposits | 36.3096% | 5,061 |
| Net loans and leases to core deposits | 36.3096% | 5,078 |
| Total domestic deposits to total assets | 92.7700% | 13 |
| Equity capital to assets | 7.1166% | 5,217 |
| Core capital (leverage) ratio | 6.8266% | 5,227 |
| Tier 1 risk-based capital ratio | 17.2758% | 2,004 |
| Total risk-based capital ratio | 18.3635% | 2,000 |
| Memoranda: | ||
| Average total assets | $71,899,500 | 4,454 |
| Average earning assets | $67,666,500 | 4,430 |
| Average equity | $4,717,000 | 4,985 |
| Average total loans | $23,250,750 | 4,873 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0504% | 4,282 |
| Cost of funding earning assets | 0.0930% | 5,234 |
| Net interest margin | 3.9573% | 2,071 |
| Noninterest income to average assets | 1.1542% | 639 |
| Noninterest expense to average assets | 3.0705% | 1,811 |
| Loan and lease loss provision to assets | 0.4386% | 277 |
| Net operating income to assets | 1.3762% | 1,493 |
| Return on assets (ROA) | 1.3762% | 1,555 |
| Pretax return on assets | 1.3762% | 2,281 |
| Return on Equity (ROE) | 21.5512% | 183 |
| Retained earnings to average equity (ytd only) | 10.4751% | 642 |
| Net charge-offs to loans | 1.5186% | 76 |
| Credit loss provision to net charge-offs | 90.9091% | 2,122 |
| Earnings coverage of net charge-offs (x) | 3.7614% | 2,799 |
| Efficiency ratio | 62.8507% | 3,310 |
| Assets per employee ($millions) | 3.8957% | 4,003 |
| Cash dividends to net income (ytd only)* | 51.3944% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 1,261 |
| Loan loss allowance to noncurrent loans | 27.0992% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 1.7698% | 576 |
| Noncurrent loans to loans | 5.5544% | 83 |
| Net loans and leases to total assets | 31.3838% | 5,083 |
| Net loans and leases to deposits | 33.5771% | 5,132 |
| Net loans and leases to core deposits | 33.5771% | 5,153 |
| Total domestic deposits to total assets | 93.4679% | 8 |
| Equity capital to assets | 6.4659% | 5,288 |
| Core capital (leverage) ratio | 6.5911% | 5,278 |
| Tier 1 risk-based capital ratio | 16.5927% | 2,203 |
| Total risk-based capital ratio | 17.8235% | 2,163 |
| Memoranda: | ||
| Average total assets | $72,952,330 | 4,474 |
| Average earning assets | $68,784,000 | 4,452 |
| Average equity | $4,658,670 | 5,025 |
| Average total loans | $23,180,000 | 4,913 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0087% | 4,351 |
| Cost of funding earning assets | 0.0938% | 5,290 |
| Net interest margin | 3.9149% | 2,143 |
| Noninterest income to average assets | 1.1102% | 661 |
| Noninterest expense to average assets | 3.0103% | 1,967 |
| Loan and lease loss provision to assets | 0.4916% | 220 |
| Net operating income to assets | 1.2980% | 1,701 |
| Return on assets (ROA) | 1.2980% | 1,742 |
| Pretax return on assets | 1.2980% | 2,463 |
| Return on Equity (ROE) | 20.4570% | 240 |
| Retained earnings to average equity (ytd only) | 9.2274% | 1,241 |
| Net charge-offs to loans | 2.0716% | 53 |
| Credit loss provision to net charge-offs | 74.7899% | 1,819 |
| Earnings coverage of net charge-offs (x) | 2.7227% | 2,470 |
| Efficiency ratio | 62.7158% | 3,428 |
| Assets per employee ($millions) | 4.1040% | 3,768 |
| Cash dividends to net income (ytd only)* | 54.8936% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4906% | 1,365 |
| Loan loss allowance to noncurrent loans | 30.6931% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 1.5040% | 797 |
| Noncurrent loans to loans | 4.8564% | 122 |
| Net loans and leases to total assets | 30.5068% | 5,143 |
| Net loans and leases to deposits | 32.5688% | 5,187 |
| Net loans and leases to core deposits | 32.5688% | 5,205 |
| Total domestic deposits to total assets | 93.6688% | 12 |
| Equity capital to assets | 6.2920% | 5,340 |
| Core capital (leverage) ratio | 6.4533% | 5,337 |
| Tier 1 risk-based capital ratio | 16.1372% | 2,378 |
| Total risk-based capital ratio | 17.3211% | 2,356 |
| Memoranda: | ||
| Average total assets | $72,419,000 | 4,529 |
| Average earning assets | $68,252,000 | 4,507 |
| Average equity | $4,595,000 | 5,076 |
| Average total loans | $22,977,500 | 4,973 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 4,067 |
| Cost of funding earning assets | 0.0727% | 5,340 |
| Net interest margin | 3.9130% | 2,291 |
| Noninterest income to average assets | 1.0526% | 853 |
| Noninterest expense to average assets | 3.3002% | 1,321 |
| Loan and lease loss provision to assets | 0.1663% | 1,215 |
| Net operating income to assets | 1.2619% | 1,940 |
| Return on assets (ROA) | 1.2619% | 1,933 |
| Pretax return on assets | 1.2619% | 2,643 |
| Return on Equity (ROE) | 19.5250% | 282 |
| Retained earnings to average equity (ytd only) | 8.4991% | 1,046 |
| Net charge-offs to loans | 0.3941% | 475 |
| Credit loss provision to net charge-offs | 123.0769% | 2,125 |
| Earnings coverage of net charge-offs (x) | 10.5714% | 2,705 |
| Efficiency ratio | 69.7959% | 2,221 |
| Assets per employee ($millions) | 3.9426% | 3,975 |
| Cash dividends to net income (ytd only)* | 56.4706% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6076% | 1,018 |
| Loan loss allowance to noncurrent loans | 32.2049% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 1.6233% | 690 |
| Noncurrent loans to loans | 4.9918% | 109 |
| Net loans and leases to total assets | 31.9970% | 5,171 |
| Net loans and leases to deposits | 34.1854% | 5,222 |
| Net loans and leases to core deposits | 34.1854% | 5,242 |
| Total domestic deposits to total assets | 93.5983% | 18 |
| Equity capital to assets | 6.4002% | 5,366 |
| Core capital (leverage) ratio | 6.4827% | 5,374 |
| Tier 1 risk-based capital ratio | 15.8263% | 2,484 |
| Total risk-based capital ratio | 17.0738% | 2,406 |
| Memoranda: | ||
| Average total assets | $67,359,000 | 4,625 |
| Average earning assets | $63,276,600 | 4,605 |
| Average equity | $4,353,400 | 5,128 |
| Average total loans | $23,092,600 | 4,994 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9807% | 3,986 |
| Cost of funding earning assets | 0.0705% | 5,408 |
| Net interest margin | 3.9102% | 2,262 |
| Noninterest income to average assets | 1.0954% | 783 |
| Noninterest expense to average assets | 3.3504% | 1,198 |
| Loan and lease loss provision to assets | 0.1705% | 1,095 |
| Net operating income to assets | 1.2459% | 2,063 |
| Return on assets (ROA) | 1.2459% | 2,070 |
| Pretax return on assets | 1.2459% | 2,828 |
| Return on Equity (ROE) | 19.2274% | 320 |
| Retained earnings to average equity (ytd only) | 8.0810% | 1,606 |
| Net charge-offs to loans | 0.3983% | 412 |
| Credit loss provision to net charge-offs | 123.1884% | 1,957 |
| Earnings coverage of net charge-offs (x) | 10.2316% | 2,598 |
| Efficiency ratio | 70.2862% | 2,150 |
| Assets per employee ($millions) | 3.6189% | 4,409 |
| Cash dividends to net income (ytd only)* | 57.9712% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 1,264 |
| Loan loss allowance to noncurrent loans | 31.5517% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 1.6870% | 732 |
| Noncurrent loans to loans | 4.8390% | 130 |
| Net loans and leases to total assets | 34.3310% | 5,194 |
| Net loans and leases to deposits | 36.7409% | 5,260 |
| Net loans and leases to core deposits | 36.7409% | 5,286 |
| Total domestic deposits to total assets | 93.4410% | 20 |
| Equity capital to assets | 6.4471% | 5,428 |
| Core capital (leverage) ratio | 6.4929% | 5,445 |
| Tier 1 risk-based capital ratio | 14.9733% | 2,895 |
| Total risk-based capital ratio | 16.2096% | 2,823 |
| Memoranda: | ||
| Average total assets | $66,457,250 | 4,694 |
| Average earning assets | $62,399,250 | 4,669 |
| Average equity | $4,306,250 | 5,202 |
| Average total loans | $23,096,250 | 5,060 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9605% | 3,897 |
| Cost of funding earning assets | 0.0649% | 5,464 |
| Net interest margin | 3.8956% | 2,214 |
| Noninterest income to average assets | 1.1752% | 692 |
| Noninterest expense to average assets | 3.3826% | 1,160 |
| Loan and lease loss provision to assets | 0.1401% | 1,394 |
| Net operating income to assets | 1.3061% | 1,747 |
| Return on assets (ROA) | 1.3061% | 1,742 |
| Pretax return on assets | 1.3061% | 2,482 |
| Return on Equity (ROE) | 20.1220% | 256 |
| Retained earnings to average equity (ytd only) | 8.8649% | 1,260 |
| Net charge-offs to loans | 0.2982% | 536 |
| Credit loss provision to net charge-offs | 135.2941% | 1,683 |
| Earnings coverage of net charge-offs (x) | 13.9706% | 2,125 |
| Efficiency ratio | 70.0504% | 2,307 |
| Assets per employee ($millions) | 3.5864% | 4,490 |
| Cash dividends to net income (ytd only)* | 55.9441% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5316% | 1,295 |
| Loan loss allowance to noncurrent loans | 30.1415% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 1.7625% | 675 |
| Noncurrent loans to loans | 5.0814% | 133 |
| Net loans and leases to total assets | 34.1537% | 5,233 |
| Net loans and leases to deposits | 36.5170% | 5,317 |
| Net loans and leases to core deposits | 36.5170% | 5,341 |
| Total domestic deposits to total assets | 93.5282% | 23 |
| Equity capital to assets | 6.3999% | 5,492 |
| Core capital (leverage) ratio | 6.3653% | 5,508 |
| Tier 1 risk-based capital ratio | 14.8637% | 2,941 |
| Total risk-based capital ratio | 16.0975% | 2,874 |
| Memoranda: | ||
| Average total assets | $65,689,670 | 4,763 |
| Average earning assets | $61,608,000 | 4,736 |
| Average equity | $4,264,000 | 5,266 |
| Average total loans | $22,804,330 | 5,129 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9489% | 3,792 |
| Cost of funding earning assets | 0.0663% | 5,519 |
| Net interest margin | 3.8827% | 2,112 |
| Noninterest income to average assets | 1.1231% | 739 |
| Noninterest expense to average assets | 3.3259% | 1,303 |
| Loan and lease loss provision to assets | 0.1489% | 1,225 |
| Net operating income to assets | 1.2844% | 1,697 |
| Return on assets (ROA) | 1.2844% | 1,703 |
| Pretax return on assets | 1.2844% | 2,426 |
| Return on Equity (ROE) | 19.6418% | 273 |
| Retained earnings to average equity (ytd only) | 8.2552% | 1,746 |
| Net charge-offs to loans | 0.5002% | 304 |
| Credit loss provision to net charge-offs | 85.7143% | 1,694 |
| Earnings coverage of net charge-offs (x) | 8.2500% | 2,044 |
| Efficiency ratio | 69.8827% | 2,500 |
| Assets per employee ($millions) | 3.5837% | 4,561 |
| Cash dividends to net income (ytd only)* | 57.9710% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5363% | 1,329 |
| Loan loss allowance to noncurrent loans | 28.8093% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 1.7638% | 700 |
| Noncurrent loans to loans | 5.3326% | 128 |
| Net loans and leases to total assets | 32.5682% | 5,306 |
| Net loans and leases to deposits | 34.7559% | 5,381 |
| Net loans and leases to core deposits | 34.8965% | 5,408 |
| Total domestic deposits to total assets | 93.7055% | 22 |
| Equity capital to assets | 6.2549% | 5,559 |
| Core capital (leverage) ratio | 6.4043% | 5,561 |
| Tier 1 risk-based capital ratio | 15.0229% | 2,856 |
| Total risk-based capital ratio | 16.2434% | 2,799 |
| Memoranda: | ||
| Average total assets | $64,463,500 | 4,840 |
| Average earning assets | $60,371,000 | 4,816 |
| Average equity | $4,215,500 | 5,330 |
| Average total loans | $22,389,000 | 5,196 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9574% | 3,542 |
| Cost of funding earning assets | 0.0671% | 5,580 |
| Net interest margin | 3.8903% | 2,118 |
| Noninterest income to average assets | 1.1259% | 802 |
| Noninterest expense to average assets | 3.7224% | 769 |
| Loan and lease loss provision to assets | 0.1057% | 2,124 |
| Net operating income to assets | 0.9128% | 2,642 |
| Return on assets (ROA) | 0.9128% | 2,669 |
| Pretax return on assets | 0.9128% | 3,868 |
| Return on Equity (ROE) | 12.8193% | 993 |
| Retained earnings to average equity (ytd only) | 2.4811% | 3,844 |
| Net charge-offs to loans | 0.2390% | 1,088 |
| Credit loss provision to net charge-offs | 112.9630% | 2,310 |
| Earnings coverage of net charge-offs (x) | 10.8889% | 2,624 |
| Efficiency ratio | 78.5166% | 1,281 |
| Assets per employee ($millions) | 3.2019% | 5,029 |
| Cash dividends to net income (ytd only)* | 80.6452% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5726% | 1,206 |
| Loan loss allowance to noncurrent loans | 39.1061% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 1.6109% | 825 |
| Noncurrent loans to loans | 4.0214% | 233 |
| Net loans and leases to total assets | 36.0083% | 5,285 |
| Net loans and leases to deposits | 38.6601% | 5,375 |
| Net loans and leases to core deposits | 38.8363% | 5,405 |
| Total domestic deposits to total assets | 93.1406% | 30 |
| Equity capital to assets | 6.8578% | 5,591 |
| Core capital (leverage) ratio | 6.7943% | 5,613 |
| Tier 1 risk-based capital ratio | 15.5087% | 2,622 |
| Total risk-based capital ratio | 16.7577% | 2,561 |
| Memoranda: | ||
| Average total assets | $57,731,800 | 5,011 |
| Average earning assets | $53,646,800 | 5,004 |
| Average equity | $4,111,000 | 5,408 |
| Average total loans | $22,590,800 | 5,237 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9291% | 3,587 |
| Cost of funding earning assets | 0.0656% | 5,648 |
| Net interest margin | 3.8635% | 2,172 |
| Noninterest income to average assets | 1.0768% | 880 |
| Noninterest expense to average assets | 3.7385% | 731 |
| Loan and lease loss provision to assets | 0.0398% | 3,314 |
| Net operating income to assets | 0.8849% | 3,105 |
| Return on assets (ROA) | 0.8849% | 3,151 |
| Pretax return on assets | 0.8849% | 4,087 |
| Return on Equity (ROE) | 12.3052% | 1,243 |
| Retained earnings to average equity (ytd only) | 1.8881% | 4,682 |
| Net charge-offs to loans | 0.1646% | 1,257 |
| Credit loss provision to net charge-offs | 60.7143% | 2,802 |
| Earnings coverage of net charge-offs (x) | 14.1080% | 2,319 |
| Efficiency ratio | 80.1707% | 1,081 |
| Assets per employee ($millions) | 3.1518% | 5,120 |
| Cash dividends to net income (ytd only)* | 84.6564% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5163% | 1,476 |
| Loan loss allowance to noncurrent loans | 33.6032% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 1.6498% | 878 |
| Noncurrent loans to loans | 4.5124% | 195 |
| Net loans and leases to total assets | 36.0073% | 5,347 |
| Net loans and leases to deposits | 38.7127% | 5,446 |
| Net loans and leases to core deposits | 38.8922% | 5,482 |
| Total domestic deposits to total assets | 93.0116% | 25 |
| Equity capital to assets | 6.8932% | 5,669 |
| Core capital (leverage) ratio | 6.8633% | 5,677 |
| Tier 1 risk-based capital ratio | 15.6976% | 2,631 |
| Total risk-based capital ratio | 16.9449% | 2,574 |
| Memoranda: | ||
| Average total assets | $56,955,750 | 5,081 |
| Average earning assets | $52,869,500 | 5,070 |
| Average equity | $4,095,750 | 5,471 |
| Average total loans | $22,674,500 | 5,290 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9279% | 3,453 |
| Cost of funding earning assets | 0.0655% | 5,689 |
| Net interest margin | 3.8625% | 2,052 |
| Noninterest income to average assets | 1.1254% | 787 |
| Noninterest expense to average assets | 3.7943% | 676 |
| Loan and lease loss provision to assets | 0.0357% | 3,290 |
| Net operating income to assets | 0.8789% | 3,022 |
| Return on assets (ROA) | 0.8789% | 3,080 |
| Pretax return on assets | 0.8789% | 3,998 |
| Return on Equity (ROE) | 12.0441% | 1,285 |
| Retained earnings to average equity (ytd only) | 1.5177% | 4,639 |
| Net charge-offs to loans | 0.2529% | 810 |
| Credit loss provision to net charge-offs | 34.4828% | 2,688 |
| Earnings coverage of net charge-offs (x) | 8.8276% | 2,478 |
| Efficiency ratio | 80.5766% | 1,151 |
| Assets per employee ($millions) | 3.0028% | 5,265 |
| Cash dividends to net income (ytd only)* | 87.3984% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 1,661 |
| Loan loss allowance to noncurrent loans | 31.3043% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 1.8141% | 762 |
| Noncurrent loans to loans | 4.7138% | 170 |
| Net loans and leases to total assets | 37.9174% | 5,307 |
| Net loans and leases to deposits | 40.8818% | 5,427 |
| Net loans and leases to core deposits | 41.0813% | 5,471 |
| Total domestic deposits to total assets | 92.7488% | 36 |
| Equity capital to assets | 7.1881% | 5,695 |
| Core capital (leverage) ratio | 7.2602% | 5,685 |
| Tier 1 risk-based capital ratio | 15.8096% | 2,582 |
| Total risk-based capital ratio | 17.0586% | 2,521 |
| Memoranda: | ||
| Average total assets | $55,979,330 | 5,138 |
| Average earning assets | $51,935,670 | 5,125 |
| Average equity | $4,085,000 | 5,515 |
| Average total loans | $22,934,330 | 5,319 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9682% | 3,149 |
| Cost of funding earning assets | 0.0624% | 5,766 |
| Net interest margin | 3.9059% | 1,756 |
| Noninterest income to average assets | 1.0461% | 917 |
| Noninterest expense to average assets | 3.7661% | 706 |
| Loan and lease loss provision to assets | 0.0361% | 3,072 |
| Net operating income to assets | 0.8585% | 2,953 |
| Return on assets (ROA) | 0.8585% | 3,002 |
| Pretax return on assets | 0.8585% | 3,906 |
| Return on Equity (ROE) | 11.6753% | 1,345 |
| Retained earnings to average equity (ytd only) | 1.3736% | 4,550 |
| Net charge-offs to loans | 0.1366% | 1,117 |
| Credit loss provision to net charge-offs | 62.5000% | 1,889 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 1,671 |
| Efficiency ratio | 80.8050% | 1,279 |
| Assets per employee ($millions) | 2.9732% | 5,374 |
| Cash dividends to net income (ytd only)* | 88.2353% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4744% | 1,782 |
| Loan loss allowance to noncurrent loans | 33.5968% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 1.7914% | 793 |
| Noncurrent loans to loans | 4.3884% | 223 |
| Net loans and leases to total assets | 40.2206% | 5,244 |
| Net loans and leases to deposits | 43.3690% | 5,379 |
| Net loans and leases to core deposits | 43.5819% | 5,426 |
| Total domestic deposits to total assets | 92.7404% | 46 |
| Equity capital to assets | 7.2295% | 5,728 |
| Core capital (leverage) ratio | 7.3734% | 5,729 |
| Tier 1 risk-based capital ratio | 15.6679% | 2,677 |
| Total risk-based capital ratio | 16.9186% | 2,621 |
| Memoranda: | ||
| Average total assets | $55,442,500 | 5,202 |
| Average earning assets | $51,307,500 | 5,186 |
| Average equity | $4,077,000 | 5,570 |
| Average total loans | $23,423,000 | 5,356 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4538% | 1,674 |
| Cost of funding earning assets | 0.0691% | 5,808 |
| Net interest margin | 4.3847% | 802 |
| Noninterest income to average assets | 1.1847% | 806 |
| Noninterest expense to average assets | 3.9412% | 653 |
| Loan and lease loss provision to assets | 0.1445% | 1,728 |
| Net operating income to assets | 1.1327% | 1,760 |
| Return on assets (ROA) | 1.1327% | 1,855 |
| Pretax return on assets | 1.1327% | 2,956 |
| Return on Equity (ROE) | 14.6043% | 689 |
| Retained earnings to average equity (ytd only) | 2.6824% | 3,998 |
| Net charge-offs to loans | 0.3268% | 844 |
| Credit loss provision to net charge-offs | 91.4634% | 2,769 |
| Earnings coverage of net charge-offs (x) | 8.0854% | 2,925 |
| Efficiency ratio | 75.5260% | 2,062 |
| Assets per employee ($millions) | 3.0219% | 5,335 |
| Cash dividends to net income (ytd only)* | 81.6327% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 1,903 |
| Loan loss allowance to noncurrent loans | 31.2671% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 2.0168% | 677 |
| Noncurrent loans to loans | 4.6122% | 195 |
| Net loans and leases to total assets | 43.0967% | 5,171 |
| Net loans and leases to deposits | 46.5831% | 5,348 |
| Net loans and leases to core deposits | 46.8213% | 5,407 |
| Total domestic deposits to total assets | 92.5157% | 63 |
| Equity capital to assets | 7.4824% | 5,717 |
| Core capital (leverage) ratio | 7.6150% | 5,725 |
| Tier 1 risk-based capital ratio | 15.0858% | 2,931 |
| Total risk-based capital ratio | 16.3349% | 2,862 |
| Memoranda: | ||
| Average total assets | $51,912,600 | 5,307 |
| Average earning assets | $47,756,600 | 5,293 |
| Average equity | $4,026,200 | 5,637 |
| Average total loans | $25,094,800 | 5,347 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5443% | 1,419 |
| Cost of funding earning assets | 0.0706% | 5,870 |
| Net interest margin | 4.4736% | 668 |
| Noninterest income to average assets | 1.2165% | 782 |
| Noninterest expense to average assets | 3.9901% | 597 |
| Loan and lease loss provision to assets | 0.1690% | 1,345 |
| Net operating income to assets | 1.1723% | 1,729 |
| Return on assets (ROA) | 1.1723% | 1,840 |
| Pretax return on assets | 1.1723% | 2,958 |
| Return on Equity (ROE) | 14.9759% | 670 |
| Retained earnings to average equity (ytd only) | 3.0217% | 4,102 |
| Net charge-offs to loans | 0.3671% | 610 |
| Credit loss provision to net charge-offs | 92.8571% | 2,486 |
| Earnings coverage of net charge-offs (x) | 7.3715% | 2,881 |
| Efficiency ratio | 74.8415% | 2,135 |
| Assets per employee ($millions) | 2.8300% | 5,526 |
| Cash dividends to net income (ytd only)* | 79.8227% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 2,422 |
| Loan loss allowance to noncurrent loans | 35.9001% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 1.8865% | 854 |
| Noncurrent loans to loans | 3.7705% | 318 |
| Net loans and leases to total assets | 49.3561% | 4,870 |
| Net loans and leases to deposits | 53.6970% | 5,129 |
| Net loans and leases to core deposits | 53.9910% | 5,226 |
| Total domestic deposits to total assets | 91.9160% | 80 |
| Equity capital to assets | 7.9564% | 5,752 |
| Core capital (leverage) ratio | 8.0901% | 5,644 |
| Tier 1 risk-based capital ratio | 14.5462% | 3,270 |
| Total risk-based capital ratio | 15.7844% | 3,207 |
| Memoranda: | ||
| Average total assets | $51,292,250 | 5,370 |
| Average earning assets | $47,178,750 | 5,355 |
| Average equity | $4,015,250 | 5,701 |
| Average total loans | $25,422,250 | 5,387 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4978% | 1,519 |
| Cost of funding earning assets | 0.0676% | 5,956 |
| Net interest margin | 4.4301% | 716 |
| Noninterest income to average assets | 1.2293% | 750 |
| Noninterest expense to average assets | 3.9214% | 662 |
| Loan and lease loss provision to assets | 0.1751% | 1,257 |
| Net operating income to assets | 1.2099% | 1,562 |
| Return on assets (ROA) | 1.2099% | 1,662 |
| Pretax return on assets | 1.2099% | 2,751 |
| Return on Equity (ROE) | 15.5396% | 603 |
| Retained earnings to average equity (ytd only) | 3.5476% | 3,634 |
| Net charge-offs to loans | 0.4724% | 466 |
| Credit loss provision to net charge-offs | 75.0000% | 2,423 |
| Earnings coverage of net charge-offs (x) | 5.9333% | 2,799 |
| Efficiency ratio | 73.9003% | 2,372 |
| Assets per employee ($millions) | 2.6857% | 5,685 |
| Cash dividends to net income (ytd only)* | 77.1704% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2920% | 2,832 |
| Loan loss allowance to noncurrent loans | 34.3590% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 1.9107% | 874 |
| Noncurrent loans to loans | 3.7604% | 340 |
| Net loans and leases to total assets | 50.1538% | 4,833 |
| Net loans and leases to deposits | 54.5077% | 5,105 |
| Net loans and leases to core deposits | 54.8053% | 5,236 |
| Total domestic deposits to total assets | 92.0124% | 82 |
| Equity capital to assets | 7.9033% | 5,831 |
| Core capital (leverage) ratio | 7.7513% | 5,832 |
| Tier 1 risk-based capital ratio | 14.4407% | 3,351 |
| Total risk-based capital ratio | 15.6402% | 3,308 |
| Memoranda: | ||
| Average total assets | $51,409,670 | 5,432 |
| Average earning assets | $47,312,330 | 5,411 |
| Average equity | $4,002,670 | 5,767 |
| Average total loans | $25,400,670 | 5,446 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4460% | 1,665 |
| Cost of funding earning assets | 0.0672% | 6,017 |
| Net interest margin | 4.3787% | 778 |
| Noninterest income to average assets | 1.2093% | 742 |
| Noninterest expense to average assets | 3.7907% | 786 |
| Loan and lease loss provision to assets | 0.2481% | 710 |
| Net operating income to assets | 1.2093% | 1,523 |
| Return on assets (ROA) | 1.2093% | 1,628 |
| Pretax return on assets | 1.2093% | 2,665 |
| Return on Equity (ROE) | 15.6489% | 576 |
| Retained earnings to average equity (ytd only) | 5.1160% | 2,865 |
| Net charge-offs to loans | 1.0502% | 176 |
| Credit loss provision to net charge-offs | 48.4848% | 2,065 |
| Earnings coverage of net charge-offs (x) | 2.8485% | 2,624 |
| Efficiency ratio | 72.2304% | 2,765 |
| Assets per employee ($millions) | 2.6303% | 5,771 |
| Cash dividends to net income (ytd only)* | 67.3077% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 3,171 |
| Loan loss allowance to noncurrent loans | 33.4392% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 1.7964% | 1,036 |
| Noncurrent loans to loans | 3.7415% | 342 |
| Net loans and leases to total assets | 47.4118% | 5,012 |
| Net loans and leases to deposits | 51.3527% | 5,257 |
| Net loans and leases to core deposits | 51.6238% | 5,366 |
| Total domestic deposits to total assets | 92.3258% | 79 |
| Equity capital to assets | 7.6286% | 5,924 |
| Core capital (leverage) ratio | 7.7432% | 5,866 |
| Tier 1 risk-based capital ratio | 14.5041% | 3,394 |
| Total risk-based capital ratio | 15.6462% | 3,380 |
| Memoranda: | ||
| Average total assets | $51,600,000 | 5,477 |
| Average earning assets | $47,593,500 | 5,457 |
| Average equity | $3,987,500 | 5,818 |
| Average total loans | $25,137,000 | 5,506 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3139% | 2,182 |
| Cost of funding earning assets | 0.0737% | 6,054 |
| Net interest margin | 4.2403% | 1,080 |
| Noninterest income to average assets | 1.1705% | 870 |
| Noninterest expense to average assets | 3.8677% | 793 |
| Loan and lease loss provision to assets | 0.2310% | 859 |
| Net operating income to assets | 1.0159% | 2,278 |
| Return on assets (ROA) | 1.0159% | 2,358 |
| Pretax return on assets | 1.0159% | 3,397 |
| Return on Equity (ROE) | 13.3797% | 977 |
| Retained earnings to average equity (ytd only) | 4.4857% | 2,793 |
| Net charge-offs to loans | 0.4392% | 627 |
| Credit loss provision to net charge-offs | 110.2804% | 2,292 |
| Earnings coverage of net charge-offs (x) | 5.9533% | 3,301 |
| Efficiency ratio | 75.6219% | 2,334 |
| Assets per employee ($millions) | 2.6629% | 5,800 |
| Cash dividends to net income (ytd only)* | 66.4740% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 2,423 |
| Loan loss allowance to noncurrent loans | 34.7222% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 1.9923% | 886 |
| Noncurrent loans to loans | 4.0293% | 301 |
| Net loans and leases to total assets | 48.7538% | 4,959 |
| Net loans and leases to deposits | 52.8972% | 5,221 |
| Net loans and leases to core deposits | 53.1880% | 5,359 |
| Total domestic deposits to total assets | 92.1672% | 97 |
| Equity capital to assets | 7.8308% | 5,911 |
| Core capital (leverage) ratio | 7.8106% | 5,908 |
| Tier 1 risk-based capital ratio | 14.6714% | 3,341 |
| Total risk-based capital ratio | 15.9193% | 3,270 |
| Memoranda: | ||
| Average total assets | $51,089,800 | 5,521 |
| Average earning assets | $47,520,600 | 5,494 |
| Average equity | $3,879,000 | 5,875 |
| Average total loans | $24,365,000 | 5,576 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2631% | 2,355 |
| Cost of funding earning assets | 0.0755% | 6,137 |
| Net interest margin | 4.1877% | 1,190 |
| Noninterest income to average assets | 1.2106% | 821 |
| Noninterest expense to average assets | 3.8713% | 767 |
| Loan and lease loss provision to assets | 0.2291% | 805 |
| Net operating income to assets | 1.0101% | 2,426 |
| Return on assets (ROA) | 1.0101% | 2,519 |
| Pretax return on assets | 1.0101% | 3,574 |
| Return on Equity (ROE) | 13.4082% | 1,026 |
| Retained earnings to average equity (ytd only) | 4.4580% | 3,288 |
| Net charge-offs to loans | 0.4572% | 550 |
| Credit loss provision to net charge-offs | 106.0241% | 2,168 |
| Earnings coverage of net charge-offs (x) | 5.7351% | 3,162 |
| Efficiency ratio | 75.7514% | 2,280 |
| Assets per employee ($millions) | 2.6041% | 5,905 |
| Cash dividends to net income (ytd only)* | 66.7517% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3755% | 2,717 |
| Loan loss allowance to noncurrent loans | 32.2097% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 2.1585% | 898 |
| Noncurrent loans to loans | 4.2705% | 275 |
| Net loans and leases to total assets | 49.8504% | 4,945 |
| Net loans and leases to deposits | 54.2136% | 5,240 |
| Net loans and leases to core deposits | 54.5179% | 5,378 |
| Total domestic deposits to total assets | 91.9520% | 103 |
| Equity capital to assets | 7.9166% | 5,987 |
| Core capital (leverage) ratio | 7.7503% | 5,997 |
| Tier 1 risk-based capital ratio | 14.8585% | 3,365 |
| Total risk-based capital ratio | 16.1065% | 3,311 |
| Memoranda: | ||
| Average total assets | $51,213,500 | 5,589 |
| Average earning assets | $47,694,500 | 5,559 |
| Average equity | $3,858,250 | 5,958 |
| Average total loans | $24,202,000 | 5,650 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1708% | 2,646 |
| Cost of funding earning assets | 0.0747% | 6,210 |
| Net interest margin | 4.0961% | 1,362 |
| Noninterest income to average assets | 1.2473% | 781 |
| Noninterest expense to average assets | 3.7960% | 869 |
| Loan and lease loss provision to assets | 0.2124% | 906 |
| Net operating income to assets | 1.0504% | 2,140 |
| Return on assets (ROA) | 1.0504% | 2,251 |
| Pretax return on assets | 1.0504% | 3,380 |
| Return on Equity (ROE) | 14.1716% | 867 |
| Retained earnings to average equity (ytd only) | 5.2101% | 2,728 |
| Net charge-offs to loans | 0.3677% | 706 |
| Credit loss provision to net charge-offs | 125.0000% | 1,744 |
| Earnings coverage of net charge-offs (x) | 7.4318% | 2,673 |
| Efficiency ratio | 75.0382% | 2,531 |
| Assets per employee ($millions) | 2.6486% | 5,955 |
| Cash dividends to net income (ytd only)* | 63.2353% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4229% | 2,651 |
| Loan loss allowance to noncurrent loans | 32.5885% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 2.1342% | 999 |
| Noncurrent loans to loans | 4.3662% | 324 |
| Net loans and leases to total assets | 48.1838% | 5,086 |
| Net loans and leases to deposits | 52.2665% | 5,364 |
| Net loans and leases to core deposits | 52.5542% | 5,509 |
| Total domestic deposits to total assets | 92.1886% | 108 |
| Equity capital to assets | 7.7259% | 6,072 |
| Core capital (leverage) ratio | 7.5374% | 6,091 |
| Tier 1 risk-based capital ratio | 14.8459% | 3,450 |
| Total risk-based capital ratio | 16.0945% | 3,385 |
| Memoranda: | ||
| Average total assets | $51,792,000 | 5,639 |
| Average earning assets | $48,192,330 | 5,602 |
| Average equity | $3,838,670 | 6,018 |
| Average total loans | $23,933,000 | 5,715 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0530% | 3,030 |
| Cost of funding earning assets | 0.0735% | 6,288 |
| Net interest margin | 3.9795% | 1,626 |
| Noninterest income to average assets | 1.1194% | 903 |
| Noninterest expense to average assets | 3.6629% | 1,052 |
| Loan and lease loss provision to assets | 0.1142% | 1,810 |
| Net operating income to assets | 1.0509% | 2,030 |
| Return on assets (ROA) | 1.0509% | 2,174 |
| Pretax return on assets | 1.0509% | 3,296 |
| Return on Equity (ROE) | 14.4730% | 794 |
| Retained earnings to average equity (ytd only) | 5.4536% | 2,807 |
| Net charge-offs to loans | 0.0508% | 2,275 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 826 |
| Efficiency ratio | 75.8675% | 2,538 |
| Assets per employee ($millions) | 2.6507% | 6,005 |
| Cash dividends to net income (ytd only)* | 62.3188% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 2,523 |
| Loan loss allowance to noncurrent loans | 31.6787% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 2.0901% | 1,112 |
| Noncurrent loans to loans | 4.6771% | 316 |
| Net loans and leases to total assets | 44.0251% | 5,346 |
| Net loans and leases to deposits | 47.4862% | 5,590 |
| Net loans and leases to core deposits | 47.7329% | 5,679 |
| Total domestic deposits to total assets | 92.7112% | 79 |
| Equity capital to assets | 7.2435% | 6,232 |
| Core capital (leverage) ratio | 7.3439% | 6,189 |
| Tier 1 risk-based capital ratio | 15.0529% | 3,404 |
| Total risk-based capital ratio | 16.3034% | 3,328 |
| Memoranda: | ||
| Average total assets | $52,526,000 | 5,672 |
| Average earning assets | $48,951,000 | 5,636 |
| Average equity | $3,814,000 | 6,081 |
| Average total loans | $23,600,500 | 5,769 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1124% | 3,280 |
| Cost of funding earning assets | 0.0891% | 6,360 |
| Net interest margin | 4.0233% | 1,828 |
| Noninterest income to average assets | 1.1812% | 866 |
| Noninterest expense to average assets | 3.9007% | 855 |
| Loan and lease loss provision to assets | 0.1203% | 2,169 |
| Net operating income to assets | 0.8744% | 2,998 |
| Return on assets (ROA) | 0.8744% | 3,083 |
| Pretax return on assets | 0.8744% | 3,980 |
| Return on Equity (ROE) | 12.1931% | 1,355 |
| Retained earnings to average equity (ytd only) | 3.8033% | 3,504 |
| Net charge-offs to loans | 0.1565% | 2,466 |
| Credit loss provision to net charge-offs | 166.6667% | 1,463 |
| Earnings coverage of net charge-offs (x) | 13.7778% | 2,241 |
| Efficiency ratio | 79.6805% | 1,983 |
| Assets per employee ($millions) | 2.6020% | 6,104 |
| Cash dividends to net income (ytd only)* | 68.8073% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4419% | 2,731 |
| Loan loss allowance to noncurrent loans | 35.5346% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 1.8332% | 1,416 |
| Noncurrent loans to loans | 4.0577% | 445 |
| Net loans and leases to total assets | 44.5281% | 5,430 |
| Net loans and leases to deposits | 48.0249% | 5,685 |
| Net loans and leases to core deposits | 48.2780% | 5,801 |
| Total domestic deposits to total assets | 92.7189% | 83 |
| Equity capital to assets | 7.2792% | 6,285 |
| Core capital (leverage) ratio | 7.0505% | 6,302 |
| Tier 1 risk-based capital ratio | 13.9485% | 4,124 |
| Total risk-based capital ratio | 15.1968% | 4,062 |
| Memoranda: | ||
| Average total assets | $49,863,400 | 5,788 |
| Average earning assets | $46,031,800 | 5,775 |
| Average equity | $3,575,800 | 6,164 |
| Average total loans | $23,009,800 | 5,852 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1411% | 3,203 |
| Cost of funding earning assets | 0.0937% | 6,433 |
| Net interest margin | 4.0474% | 1,731 |
| Noninterest income to average assets | 1.2246% | 809 |
| Noninterest expense to average assets | 3.9280% | 814 |
| Loan and lease loss provision to assets | 0.1217% | 2,052 |
| Net operating income to assets | 0.9110% | 2,861 |
| Return on assets (ROA) | 0.9110% | 2,960 |
| Pretax return on assets | 0.9110% | 3,943 |
| Return on Equity (ROE) | 12.7548% | 1,278 |
| Retained earnings to average equity (ytd only) | 4.2390% | 3,637 |
| Net charge-offs to loans | 0.2097% | 1,793 |
| Credit loss provision to net charge-offs | 125.0000% | 1,833 |
| Earnings coverage of net charge-offs (x) | 10.6108% | 2,523 |
| Efficiency ratio | 79.1826% | 2,030 |
| Assets per employee ($millions) | 2.8241% | 5,939 |
| Cash dividends to net income (ytd only)* | 66.7653% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4262% | 3,047 |
| Loan loss allowance to noncurrent loans | 33.9267% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 1.7798% | 1,681 |
| Noncurrent loans to loans | 4.2039% | 484 |
| Net loans and leases to total assets | 41.7328% | 5,696 |
| Net loans and leases to deposits | 44.9406% | 5,927 |
| Net loans and leases to core deposits | 45.1699% | 5,993 |
| Total domestic deposits to total assets | 92.8622% | 90 |
| Equity capital to assets | 7.0148% | 6,380 |
| Core capital (leverage) ratio | 7.3288% | 6,324 |
| Tier 1 risk-based capital ratio | 13.8123% | 4,349 |
| Total risk-based capital ratio | 15.0013% | 4,321 |
| Memoranda: | ||
| Average total assets | $49,319,500 | 5,867 |
| Average earning assets | $45,526,000 | 5,849 |
| Average equity | $3,522,750 | 6,245 |
| Average total loans | $22,884,500 | 5,918 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2452% | 2,786 |
| Cost of funding earning assets | 0.0953% | 6,493 |
| Net interest margin | 4.1499% | 1,383 |
| Noninterest income to average assets | 1.2742% | 728 |
| Noninterest expense to average assets | 3.9479% | 806 |
| Loan and lease loss provision to assets | 0.1253% | 1,972 |
| Net operating income to assets | 1.0194% | 2,247 |
| Return on assets (ROA) | 1.0194% | 2,316 |
| Pretax return on assets | 1.0194% | 3,400 |
| Return on Equity (ROE) | 14.1764% | 920 |
| Retained earnings to average equity (ytd only) | 5.4614% | 2,662 |
| Net charge-offs to loans | 0.1308% | 2,357 |
| Credit loss provision to net charge-offs | 200.0000% | 1,157 |
| Earnings coverage of net charge-offs (x) | 18.2667% | 1,694 |
| Efficiency ratio | 77.5226% | 2,369 |
| Assets per employee ($millions) | 2.8822% | 5,910 |
| Cash dividends to net income (ytd only)* | 61.4754% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 3,196 |
| Loan loss allowance to noncurrent loans | 34.9206% | 5,645 |
| Noncurrent assets plus other real estate owned to assets | 1.8215% | 1,779 |
| Noncurrent loans to loans | 4.0964% | 573 |
| Net loans and leases to total assets | 43.8300% | 5,546 |
| Net loans and leases to deposits | 47.2843% | 5,812 |
| Net loans and leases to core deposits | 47.5343% | 5,920 |
| Total domestic deposits to total assets | 92.6947% | 103 |
| Equity capital to assets | 7.2205% | 6,412 |
| Core capital (leverage) ratio | 7.6030% | 6,276 |
| Tier 1 risk-based capital ratio | 13.0965% | 4,855 |
| Total risk-based capital ratio | 14.2503% | 4,849 |
| Memoranda: | ||
| Average total assets | $47,873,330 | 5,956 |
| Average earning assets | $44,049,670 | 5,950 |
| Average equity | $3,442,330 | 6,304 |
| Average total loans | $22,940,330 | 5,963 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3902% | 2,172 |
| Cost of funding earning assets | 0.1043% | 6,553 |
| Net interest margin | 4.2859% | 1,026 |
| Noninterest income to average assets | 1.3168% | 655 |
| Noninterest expense to average assets | 4.0201% | 739 |
| Loan and lease loss provision to assets | 0.1308% | 1,856 |
| Net operating income to assets | 1.1075% | 1,787 |
| Return on assets (ROA) | 1.1075% | 1,840 |
| Pretax return on assets | 1.1075% | 2,870 |
| Return on Equity (ROE) | 15.4384% | 713 |
| Retained earnings to average equity (ytd only) | 9.3603% | 1,143 |
| Net charge-offs to loans | 0.2448% | 1,343 |
| Credit loss provision to net charge-offs | 107.1429% | 1,563 |
| Earnings coverage of net charge-offs (x) | 10.1429% | 1,886 |
| Efficiency ratio | 76.4511% | 2,733 |
| Assets per employee ($millions) | 2.5417% | 6,346 |
| Cash dividends to net income (ytd only)* | 39.3701% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 3,683 |
| Loan loss allowance to noncurrent loans | 33.4038% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 1.9589% | 1,747 |
| Noncurrent loans to loans | 4.1419% | 631 |
| Net loans and leases to total assets | 46.6413% | 5,263 |
| Net loans and leases to deposits | 50.1213% | 5,589 |
| Net loans and leases to core deposits | 50.4050% | 5,732 |
| Total domestic deposits to total assets | 93.0568% | 111 |
| Equity capital to assets | 6.8935% | 6,468 |
| Core capital (leverage) ratio | 7.2083% | 6,422 |
| Tier 1 risk-based capital ratio | 12.6161% | 5,245 |
| Total risk-based capital ratio | 13.8136% | 5,215 |
| Memoranda: | ||
| Average total assets | $45,870,000 | 6,069 |
| Average earning assets | $42,184,500 | 6,050 |
| Average equity | $3,290,500 | 6,392 |
| Average total loans | $22,876,000 | 6,024 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6027% | 1,870 |
| Cost of funding earning assets | 0.1549% | 6,516 |
| Net interest margin | 4.4478% | 829 |
| Noninterest income to average assets | 1.4114% | 705 |
| Noninterest expense to average assets | 4.6481% | 463 |
| Loan and lease loss provision to assets | 0.1294% | 2,696 |
| Net operating income to assets | 0.6869% | 3,862 |
| Return on assets (ROA) | 0.6869% | 3,956 |
| Pretax return on assets | 0.6869% | 4,590 |
| Return on Equity (ROE) | 9.1318% | 2,478 |
| Retained earnings to average equity (ytd only) | 4.7536% | 2,768 |
| Net charge-offs to loans | 0.2431% | 2,521 |
| Credit loss provision to net charge-offs | 101.8519% | 2,372 |
| Earnings coverage of net charge-offs (x) | 6.4259% | 3,066 |
| Efficiency ratio | 85.0624% | 1,511 |
| Assets per employee ($millions) | 2.2867% | 6,528 |
| Cash dividends to net income (ytd only)* | 47.9452% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 3,772 |
| Loan loss allowance to noncurrent loans | 31.6265% | 5,903 |
| Noncurrent assets plus other real estate owned to assets | 2.2924% | 1,541 |
| Noncurrent loans to loans | 4.3471% | 624 |
| Net loans and leases to total assets | 52.0093% | 4,845 |
| Net loans and leases to deposits | 56.2198% | 5,283 |
| Net loans and leases to core deposits | 56.5745% | 5,490 |
| Total domestic deposits to total assets | 92.5106% | 189 |
| Equity capital to assets | 7.4848% | 6,290 |
| Core capital (leverage) ratio | 7.4007% | 6,414 |
| Tier 1 risk-based capital ratio | 12.2228% | 5,478 |
| Total risk-based capital ratio | 13.4068% | 5,455 |
| Memoranda: | ||
| Average total assets | $42,512,400 | 6,208 |
| Average earning assets | $38,738,400 | 6,200 |
| Average equity | $3,197,600 | 6,495 |
| Average total loans | $22,216,200 | 6,109 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6138% | 1,852 |
| Cost of funding earning assets | 0.1594% | 6,599 |
| Net interest margin | 4.4543% | 797 |
| Noninterest income to average assets | 1.4475% | 704 |
| Noninterest expense to average assets | 4.6074% | 467 |
| Loan and lease loss provision to assets | 0.1734% | 2,096 |
| Net operating income to assets | 0.7190% | 3,760 |
| Return on assets (ROA) | 0.7190% | 3,893 |
| Pretax return on assets | 0.7190% | 4,617 |
| Return on Equity (ROE) | 9.5474% | 2,373 |
| Retained earnings to average equity (ytd only) | 5.9881% | 2,413 |
| Net charge-offs to loans | 0.2601% | 2,257 |
| Credit loss provision to net charge-offs | 127.9070% | 1,844 |
| Earnings coverage of net charge-offs (x) | 6.5815% | 2,946 |
| Efficiency ratio | 83.7729% | 1,631 |
| Assets per employee ($millions) | 2.2697% | 6,609 |
| Cash dividends to net income (ytd only)* | 37.2808% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 3,475 |
| Loan loss allowance to noncurrent loans | 34.3882% | 5,833 |
| Noncurrent assets plus other real estate owned to assets | 2.1983% | 1,808 |
| Noncurrent loans to loans | 4.3498% | 770 |
| Net loans and leases to total assets | 49.7809% | 5,167 |
| Net loans and leases to deposits | 53.8720% | 5,549 |
| Net loans and leases to core deposits | 54.2149% | 5,750 |
| Total domestic deposits to total assets | 92.4058% | 191 |
| Equity capital to assets | 7.5200% | 6,389 |
| Core capital (leverage) ratio | 7.8165% | 6,321 |
| Tier 1 risk-based capital ratio | 12.7122% | 5,315 |
| Total risk-based capital ratio | 13.9626% | 5,263 |
| Memoranda: | ||
| Average total assets | $42,278,500 | 6,288 |
| Average earning assets | $38,463,500 | 6,288 |
| Average equity | $3,184,000 | 6,573 |
| Average total loans | $22,042,250 | 6,181 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6441% | 1,715 |
| Cost of funding earning assets | 0.1627% | 6,661 |
| Net interest margin | 4.4814% | 730 |
| Noninterest income to average assets | 1.4763% | 726 |
| Noninterest expense to average assets | 4.4861% | 532 |
| Loan and lease loss provision to assets | 0.2619% | 1,415 |
| Net operating income to assets | 0.7953% | 3,318 |
| Return on assets (ROA) | 0.7953% | 3,477 |
| Pretax return on assets | 0.7953% | 4,329 |
| Return on Equity (ROE) | 10.5552% | 1,993 |
| Retained earnings to average equity (ytd only) | 8.6590% | 1,243 |
| Net charge-offs to loans | 0.3977% | 1,624 |
| Credit loss provision to net charge-offs | 125.0000% | 1,800 |
| Earnings coverage of net charge-offs (x) | 5.0455% | 2,975 |
| Efficiency ratio | 80.9278% | 2,034 |
| Assets per employee ($millions) | 2.1741% | 6,690 |
| Cash dividends to net income (ytd only)* | 17.9641% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 3,578 |
| Loan loss allowance to noncurrent loans | 34.2466% | 5,876 |
| Noncurrent assets plus other real estate owned to assets | 2.2974% | 1,884 |
| Noncurrent loans to loans | 4.3874% | 813 |
| Net loans and leases to total assets | 51.5772% | 4,918 |
| Net loans and leases to deposits | 55.9656% | 5,348 |
| Net loans and leases to core deposits | 56.3371% | 5,571 |
| Total domestic deposits to total assets | 92.1587% | 226 |
| Equity capital to assets | 7.8364% | 6,303 |
| Core capital (leverage) ratio | 7.8319% | 6,286 |
| Tier 1 risk-based capital ratio | 12.1715% | 5,699 |
| Total risk-based capital ratio | 13.3935% | 5,654 |
| Memoranda: | ||
| Average total assets | $41,996,330 | 6,343 |
| Average earning assets | $38,112,670 | 6,340 |
| Average equity | $3,164,330 | 6,625 |
| Average total loans | $22,125,000 | 6,219 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5904% | 1,852 |
| Cost of funding earning assets | 0.1662% | 6,747 |
| Net interest margin | 4.4242% | 772 |
| Noninterest income to average assets | 1.3887% | 798 |
| Noninterest expense to average assets | 4.3646% | 597 |
| Loan and lease loss provision to assets | 0.2362% | 1,539 |
| Net operating income to assets | 0.8125% | 3,089 |
| Return on assets (ROA) | 0.8125% | 3,225 |
| Pretax return on assets | 0.8125% | 4,125 |
| Return on Equity (ROE) | 10.9974% | 1,709 |
| Retained earnings to average equity (ytd only) | 7.1611% | 2,082 |
| Net charge-offs to loans | 0.4649% | 1,285 |
| Credit loss provision to net charge-offs | 96.1538% | 1,925 |
| Earnings coverage of net charge-offs (x) | 4.2692% | 2,591 |
| Efficiency ratio | 80.6283% | 2,231 |
| Assets per employee ($millions) | 2.2479% | 6,741 |
| Cash dividends to net income (ytd only)* | 34.8837% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4368% | 4,067 |
| Loan loss allowance to noncurrent loans | 32.9821% | 5,913 |
| Noncurrent assets plus other real estate owned to assets | 2.2219% | 2,097 |
| Noncurrent loans to loans | 4.3564% | 982 |
| Net loans and leases to total assets | 50.2704% | 4,953 |
| Net loans and leases to deposits | 54.2882% | 5,409 |
| Net loans and leases to core deposits | 54.6350% | 5,630 |
| Total domestic deposits to total assets | 92.5991% | 162 |
| Equity capital to assets | 7.3892% | 6,626 |
| Core capital (leverage) ratio | 7.4048% | 6,505 |
| Tier 1 risk-based capital ratio | 12.4891% | 5,582 |
| Total risk-based capital ratio | 13.7277% | 5,538 |
| Memoranda: | ||
| Average total assets | $42,341,000 | 6,394 |
| Average earning assets | $38,515,500 | 6,383 |
| Average equity | $3,128,000 | 6,693 |
| Average total loans | $22,372,500 | 6,252 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0335% | 1,474 |
| Cost of funding earning assets | 0.2203% | 6,778 |
| Net interest margin | 4.8132% | 530 |
| Noninterest income to average assets | 1.5463% | 657 |
| Noninterest expense to average assets | 4.6657% | 493 |
| Loan and lease loss provision to assets | 0.7671% | 647 |
| Net operating income to assets | 0.5009% | 4,690 |
| Return on assets (ROA) | 0.5009% | 4,938 |
| Pretax return on assets | 0.5009% | 5,277 |
| Return on Equity (ROE) | 6.4035% | 3,959 |
| Retained earnings to average equity (ytd only) | -4.3618% | 6,390 |
| Net charge-offs to loans | 1.4652% | 618 |
| Credit loss provision to net charge-offs | 91.3545% | 3,420 |
| Earnings coverage of net charge-offs (x) | 1.5101% | 4,689 |
| Efficiency ratio | 78.6297% | 2,337 |
| Assets per employee ($millions) | 2.2090% | 6,828 |
| Cash dividends to net income (ytd only)* | 168.1159% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 4,320 |
| Loan loss allowance to noncurrent loans | 27.3758% | 6,170 |
| Noncurrent assets plus other real estate owned to assets | 2.7328% | 1,765 |
| Noncurrent loans to loans | 4.9954% | 799 |
| Net loans and leases to total assets | 53.9587% | 4,624 |
| Net loans and leases to deposits | 58.2664% | 5,210 |
| Net loans and leases to core deposits | 58.6452% | 5,486 |
| Total domestic deposits to total assets | 92.6068% | 165 |
| Equity capital to assets | 7.3861% | 6,676 |
| Core capital (leverage) ratio | 7.3540% | 6,561 |
| Tier 1 risk-based capital ratio | 11.5814% | 6,042 |
| Total risk-based capital ratio | 12.7545% | 6,072 |
| Memoranda: | ||
| Average total assets | $41,323,200 | 6,457 |
| Average earning assets | $37,667,600 | 6,445 |
| Average equity | $3,232,600 | 6,739 |
| Average total loans | $23,682,800 | 6,257 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1344% | 1,341 |
| Cost of funding earning assets | 0.2342% | 6,868 |
| Net interest margin | 4.9002% | 469 |
| Noninterest income to average assets | 1.5030% | 661 |
| Noninterest expense to average assets | 4.5770% | 516 |
| Loan and lease loss provision to assets | 0.3628% | 1,792 |
| Net operating income to assets | 1.0366% | 2,332 |
| Return on assets (ROA) | 1.0366% | 2,554 |
| Pretax return on assets | 1.0366% | 3,578 |
| Return on Equity (ROE) | 13.0647% | 1,319 |
| Retained earnings to average equity (ytd only) | 1.6330% | 5,513 |
| Net charge-offs to loans | 0.3911% | 2,531 |
| Credit loss provision to net charge-offs | 160.0000% | 1,745 |
| Earnings coverage of net charge-offs (x) | 6.1715% | 2,836 |
| Efficiency ratio | 76.5854% | 2,585 |
| Assets per employee ($millions) | 2.1278% | 6,951 |
| Cash dividends to net income (ytd only)* | 87.4982% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6509% | 3,326 |
| Loan loss allowance to noncurrent loans | 238.2716% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.3807% | 5,753 |
| Noncurrent loans to loans | 0.6929% | 5,052 |
| Net loans and leases to total assets | 54.0360% | 4,741 |
| Net loans and leases to deposits | 58.6039% | 5,365 |
| Net loans and leases to core deposits | 58.9797% | 5,663 |
| Total domestic deposits to total assets | 92.2054% | 187 |
| Equity capital to assets | 7.7100% | 6,711 |
| Core capital (leverage) ratio | 7.9280% | 6,380 |
| Tier 1 risk-based capital ratio | 12.2962% | 5,765 |
| Total risk-based capital ratio | 13.5480% | 5,739 |
| Memoranda: | ||
| Average total assets | $41,161,250 | 6,544 |
| Average earning assets | $37,575,750 | 6,526 |
| Average equity | $3,265,750 | 6,819 |
| Average total loans | $23,863,250 | 6,333 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2342% | 1,173 |
| Cost of funding earning assets | 0.2523% | 6,901 |
| Net interest margin | 4.9819% | 417 |
| Noninterest income to average assets | 1.5923% | 585 |
| Noninterest expense to average assets | 4.5901% | 511 |
| Loan and lease loss provision to assets | 0.4521% | 1,419 |
| Net operating income to assets | 1.1107% | 2,008 |
| Return on assets (ROA) | 1.1107% | 2,224 |
| Pretax return on assets | 1.1107% | 3,267 |
| Return on Equity (ROE) | 13.8622% | 1,152 |
| Retained earnings to average equity (ytd only) | 2.2081% | 5,085 |
| Net charge-offs to loans | 0.4079% | 2,395 |
| Credit loss provision to net charge-offs | 187.7551% | 1,507 |
| Earnings coverage of net charge-offs (x) | 6.4898% | 2,630 |
| Efficiency ratio | 74.6006% | 2,967 |
| Assets per employee ($millions) | 2.0650% | 7,033 |
| Cash dividends to net income (ytd only)* | 84.0708% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6357% | 3,479 |
| Loan loss allowance to noncurrent loans | 196.4467% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.4770% | 5,575 |
| Noncurrent loans to loans | 0.8326% | 4,850 |
| Net loans and leases to total assets | 56.3511% | 4,413 |
| Net loans and leases to deposits | 61.2625% | 5,092 |
| Net loans and leases to core deposits | 61.2625% | 5,465 |
| Total domestic deposits to total assets | 91.9831% | 227 |
| Equity capital to assets | 7.9346% | 6,608 |
| Core capital (leverage) ratio | 8.0619% | 6,205 |
| Tier 1 risk-based capital ratio | 12.5661% | 5,523 |
| Total risk-based capital ratio | 13.8201% | 5,502 |
| Memoranda: | ||
| Average total assets | $40,696,670 | 6,608 |
| Average earning assets | $37,254,670 | 6,582 |
| Average equity | $3,260,670 | 6,859 |
| Average total loans | $24,024,000 | 6,365 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3209% | 1,054 |
| Cost of funding earning assets | 0.2704% | 6,947 |
| Net interest margin | 5.0505% | 363 |
| Noninterest income to average assets | 1.5646% | 589 |
| Noninterest expense to average assets | 4.4758% | 563 |
| Loan and lease loss provision to assets | 0.4951% | 1,229 |
| Net operating income to assets | 1.2180% | 1,684 |
| Return on assets (ROA) | 1.2180% | 1,867 |
| Pretax return on assets | 1.2180% | 2,846 |
| Return on Equity (ROE) | 15.1268% | 949 |
| Retained earnings to average equity (ytd only) | 2.8286% | 4,839 |
| Net charge-offs to loans | 0.8758% | 1,170 |
| Credit loss provision to net charge-offs | 94.3396% | 2,471 |
| Earnings coverage of net charge-offs (x) | 3.2642% | 2,899 |
| Efficiency ratio | 72.3200% | 3,376 |
| Assets per employee ($millions) | 2.1824% | 7,053 |
| Cash dividends to net income (ytd only)* | 81.3008% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4372% | 4,434 |
| Loan loss allowance to noncurrent loans | 191.5730% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 5,788 |
| Noncurrent loans to loans | 0.7502% | 5,162 |
| Net loans and leases to total assets | 56.3980% | 4,313 |
| Net loans and leases to deposits | 61.2520% | 5,013 |
| Net loans and leases to core deposits | 61.2520% | 5,409 |
| Total domestic deposits to total assets | 92.0754% | 243 |
| Equity capital to assets | 7.8715% | 6,599 |
| Core capital (leverage) ratio | 8.2589% | 5,942 |
| Tier 1 risk-based capital ratio | 12.7630% | 5,396 |
| Total risk-based capital ratio | 14.0142% | 5,368 |
| Memoranda: | ||
| Average total assets | $40,395,000 | 6,672 |
| Average earning assets | $36,986,500 | 6,642 |
| Average equity | $3,252,500 | 6,912 |
| Average total loans | $24,206,000 | 6,413 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9789% | 443 |
| Cost of funding earning assets | 0.4322% | 6,793 |
| Net interest margin | 5.5467% | 163 |
| Noninterest income to average assets | 1.9983% | 379 |
| Noninterest expense to average assets | 5.3183% | 296 |
| Loan and lease loss provision to assets | 0.6791% | 1,509 |
| Net operating income to assets | 1.0292% | 2,090 |
| Return on assets (ROA) | 1.0292% | 2,239 |
| Pretax return on assets | 1.0292% | 3,125 |
| Return on Equity (ROE) | 12.3225% | 1,325 |
| Retained earnings to average equity (ytd only) | 2.6271% | 4,356 |
| Net charge-offs to loans | 0.9658% | 1,784 |
| Credit loss provision to net charge-offs | 103.5857% | 3,332 |
| Earnings coverage of net charge-offs (x) | 2.6056% | 3,910 |
| Efficiency ratio | 75.6877% | 2,939 |
| Assets per employee ($millions) | 2.0697% | 7,136 |
| Cash dividends to net income (ytd only)* | 78.6802% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 4,490 |
| Loan loss allowance to noncurrent loans | 193.2584% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.4526% | 5,836 |
| Noncurrent loans to loans | 0.7211% | 5,254 |
| Net loans and leases to total assets | 61.8986% | 3,621 |
| Net loans and leases to deposits | 67.4696% | 4,515 |
| Net loans and leases to core deposits | 67.4696% | 5,093 |
| Total domestic deposits to total assets | 91.7430% | 273 |
| Equity capital to assets | 8.2418% | 6,394 |
| Core capital (leverage) ratio | 8.0023% | 6,266 |
| Tier 1 risk-based capital ratio | 12.3825% | 5,557 |
| Total risk-based capital ratio | 13.6318% | 5,526 |
| Memoranda: | ||
| Average total assets | $38,283,200 | 6,733 |
| Average earning assets | $34,705,200 | 6,722 |
| Average equity | $3,197,400 | 6,965 |
| Average total loans | $25,989,000 | 6,356 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0783% | 405 |
| Cost of funding earning assets | 0.4646% | 6,839 |
| Net interest margin | 5.6137% | 151 |
| Noninterest income to average assets | 2.0724% | 360 |
| Noninterest expense to average assets | 5.3475% | 279 |
| Loan and lease loss provision to assets | 0.8591% | 1,062 |
| Net operating income to assets | 0.9503% | 2,530 |
| Return on assets (ROA) | 0.9503% | 2,698 |
| Pretax return on assets | 0.9503% | 3,589 |
| Return on Equity (ROE) | 11.3391% | 1,748 |
| Retained earnings to average equity (ytd only) | 2.3430% | 4,944 |
| Net charge-offs to loans | 1.2819% | 1,210 |
| Credit loss provision to net charge-offs | 96.8379% | 3,536 |
| Earnings coverage of net charge-offs (x) | 2.0395% | 4,126 |
| Efficiency ratio | 74.7183% | 3,045 |
| Assets per employee ($millions) | 1.7404% | 7,296 |
| Cash dividends to net income (ytd only)* | 79.3369% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 4,964 |
| Loan loss allowance to noncurrent loans | 154.2453% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.5296% | 5,771 |
| Noncurrent loans to loans | 0.8495% | 5,170 |
| Net loans and leases to total assets | 61.5279% | 3,836 |
| Net loans and leases to deposits | 66.9758% | 4,758 |
| Net loans and leases to core deposits | 66.9758% | 5,311 |
| Total domestic deposits to total assets | 91.8659% | 230 |
| Equity capital to assets | 8.0267% | 6,682 |
| Core capital (leverage) ratio | 7.8751% | 6,508 |
| Tier 1 risk-based capital ratio | 11.8653% | 5,991 |
| Total risk-based capital ratio | 13.1081% | 5,978 |
| Memoranda: | ||
| Average total assets | $38,023,000 | 6,797 |
| Average earning assets | $34,438,500 | 6,794 |
| Average equity | $3,186,500 | 7,027 |
| Average total loans | $26,315,000 | 6,399 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2579% | 295 |
| Cost of funding earning assets | 0.5087% | 6,820 |
| Net interest margin | 5.7492% | 119 |
| Noninterest income to average assets | 2.1738% | 323 |
| Noninterest expense to average assets | 5.4184% | 278 |
| Loan and lease loss provision to assets | 1.0708% | 780 |
| Net operating income to assets | 0.8888% | 2,690 |
| Return on assets (ROA) | 0.8888% | 2,794 |
| Pretax return on assets | 0.8888% | 3,658 |
| Return on Equity (ROE) | 10.4479% | 1,964 |
| Retained earnings to average equity (ytd only) | 2.5805% | 4,654 |
| Net charge-offs to loans | 1.5093% | 981 |
| Credit loss provision to net charge-offs | 99.0099% | 3,191 |
| Earnings coverage of net charge-offs (x) | 1.8119% | 3,959 |
| Efficiency ratio | 73.4398% | 3,475 |
| Assets per employee ($millions) | 1.7101% | 7,371 |
| Cash dividends to net income (ytd only)* | 75.3012% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 5,056 |
| Loan loss allowance to noncurrent loans | 137.6033% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.6153% | 5,689 |
| Noncurrent loans to loans | 0.9453% | 5,087 |
| Net loans and leases to total assets | 64.2412% | 3,410 |
| Net loans and leases to deposits | 69.9886% | 4,440 |
| Net loans and leases to core deposits | 69.9886% | 5,076 |
| Total domestic deposits to total assets | 91.7881% | 282 |
| Equity capital to assets | 8.1306% | 6,569 |
| Core capital (leverage) ratio | 8.1087% | 6,152 |
| Tier 1 risk-based capital ratio | 11.5635% | 6,121 |
| Total risk-based capital ratio | 12.8029% | 6,119 |
| Memoranda: | ||
| Average total assets | $37,354,330 | 6,876 |
| Average earning assets | $33,813,330 | 6,877 |
| Average equity | $3,177,670 | 7,079 |
| Average total loans | $26,768,000 | 6,427 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5179% | 205 |
| Cost of funding earning assets | 0.5594% | 6,768 |
| Net interest margin | 5.9585% | 102 |
| Noninterest income to average assets | 2.3209% | 299 |
| Noninterest expense to average assets | 5.5548% | 248 |
| Loan and lease loss provision to assets | 0.7700% | 1,111 |
| Net operating income to assets | 1.3859% | 1,085 |
| Return on assets (ROA) | 1.3859% | 1,134 |
| Pretax return on assets | 1.3859% | 1,761 |
| Return on Equity (ROE) | 15.9116% | 688 |
| Retained earnings to average equity (ytd only) | 2.6519% | 4,577 |
| Net charge-offs to loans | 0.0731% | 4,210 |
| Credit loss provision to net charge-offs | 1,400.0000% | 286 |
| Earnings coverage of net charge-offs (x) | 39.2000% | 693 |
| Efficiency ratio | 72.0399% | 3,856 |
| Assets per employee ($millions) | 1.5511% | 7,464 |
| Cash dividends to net income (ytd only)* | 83.3333% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 4,297 |
| Loan loss allowance to noncurrent loans | 106.9519% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 1.0047% | 4,895 |
| Noncurrent loans to loans | 1.3849% | 4,393 |
| Net loans and leases to total assets | 71.4716% | 1,818 |
| Net loans and leases to deposits | 78.2115% | 3,023 |
| Net loans and leases to core deposits | 78.2115% | 3,988 |
| Total domestic deposits to total assets | 91.3824% | 451 |
| Equity capital to assets | 8.5370% | 5,853 |
| Core capital (leverage) ratio | 8.5267% | 5,396 |
| Tier 1 risk-based capital ratio | 11.0943% | 6,437 |
| Total risk-based capital ratio | 12.3450% | 6,418 |
| Memoranda: | ||
| Average total assets | $36,365,000 | 6,954 |
| Average earning assets | $32,894,000 | 6,963 |
| Average equity | $3,167,500 | 7,116 |
| Average total loans | $27,351,500 | 6,443 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4680% | 85 |
| Cost of funding earning assets | 0.7607% | 6,705 |
| Net interest margin | 6.7072% | 60 |
| Noninterest income to average assets | 2.0481% | 376 |
| Noninterest expense to average assets | 5.9934% | 231 |
| Loan and lease loss provision to assets | 0.4787% | 3,263 |
| Net operating income to assets | 1.5868% | 633 |
| Return on assets (ROA) | 1.5868% | 692 |
| Pretax return on assets | 1.5868% | 1,155 |
| Return on Equity (ROE) | 17.5828% | 417 |
| Retained earnings to average equity (ytd only) | 4.0823% | 3,001 |
| Net charge-offs to loans | 0.6298% | 3,135 |
| Credit loss provision to net charge-offs | 91.6667% | 5,057 |
| Earnings coverage of net charge-offs (x) | 3.9556% | 3,124 |
| Efficiency ratio | 74.3701% | 3,324 |
| Assets per employee ($millions) | 1.5437% | 7,543 |
| Cash dividends to net income (ytd only)* | 76.7824% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 5,458 |
| Loan loss allowance to noncurrent loans | 135.0806% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.6985% | 5,605 |
| Noncurrent loans to loans | 0.8954% | 5,268 |
| Net loans and leases to total assets | 77.0674% | 1,084 |
| Net loans and leases to deposits | 84.6178% | 2,355 |
| Net loans and leases to core deposits | 84.6178% | 3,505 |
| Total domestic deposits to total assets | 91.0771% | 564 |
| Equity capital to assets | 8.8920% | 5,296 |
| Core capital (leverage) ratio | 8.7552% | 4,927 |
| Tier 1 risk-based capital ratio | 10.7511% | 6,529 |
| Total risk-based capital ratio | 11.9258% | 6,557 |
| Memoranda: | ||
| Average total assets | $34,471,400 | 7,056 |
| Average earning assets | $30,892,000 | 7,056 |
| Average equity | $3,111,000 | 7,247 |
| Average total loans | $28,581,400 | 6,468 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5993% | 80 |
| Cost of funding earning assets | 0.8095% | 6,731 |
| Net interest margin | 6.7897% | 56 |
| Noninterest income to average assets | 2.1356% | 347 |
| Noninterest expense to average assets | 5.8806% | 227 |
| Loan and lease loss provision to assets | 0.6430% | 2,375 |
| Net operating income to assets | 1.6913% | 631 |
| Return on assets (ROA) | 1.6913% | 686 |
| Pretax return on assets | 1.6913% | 1,132 |
| Return on Equity (ROE) | 18.6691% | 415 |
| Retained earnings to average equity (ytd only) | 5.3341% | 2,747 |
| Net charge-offs to loans | 0.7592% | 2,524 |
| Credit loss provision to net charge-offs | 100.6098% | 4,288 |
| Earnings coverage of net charge-offs (x) | 3.6525% | 3,352 |
| Efficiency ratio | 71.5844% | 3,783 |
| Assets per employee ($millions) | 1.4481% | 7,662 |
| Cash dividends to net income (ytd only)* | 71.4283% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 5,281 |
| Loan loss allowance to noncurrent loans | 132.4528% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.7625% | 5,578 |
| Noncurrent loans to loans | 0.9379% | 5,357 |
| Net loans and leases to total assets | 80.2877% | 697 |
| Net loans and leases to deposits | 88.5616% | 1,931 |
| Net loans and leases to core deposits | 88.5616% | 3,302 |
| Total domestic deposits to total assets | 90.6575% | 567 |
| Equity capital to assets | 9.0750% | 5,479 |
| Core capital (leverage) ratio | 8.7818% | 5,043 |
| Tier 1 risk-based capital ratio | 10.4682% | 6,796 |
| Total risk-based capital ratio | 11.6678% | 6,819 |
| Memoranda: | ||
| Average total assets | $34,213,250 | 7,154 |
| Average earning assets | $30,633,750 | 7,148 |
| Average equity | $3,099,500 | 7,339 |
| Average total loans | $28,802,500 | 6,542 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6984% | 78 |
| Cost of funding earning assets | 0.8598% | 6,729 |
| Net interest margin | 6.8387% | 58 |
| Noninterest income to average assets | 2.2449% | 298 |
| Noninterest expense to average assets | 5.6651% | 251 |
| Loan and lease loss provision to assets | 0.9109% | 1,597 |
| Net operating income to assets | 1.7924% | 491 |
| Return on assets (ROA) | 1.7924% | 537 |
| Pretax return on assets | 1.7924% | 901 |
| Return on Equity (ROE) | 19.7966% | 333 |
| Retained earnings to average equity (ytd only) | 6.4907% | 2,077 |
| Net charge-offs to loans | 1.0350% | 1,805 |
| Credit loss provision to net charge-offs | 103.3333% | 3,946 |
| Earnings coverage of net charge-offs (x) | 3.0667% | 3,469 |
| Efficiency ratio | 67.6966% | 4,630 |
| Assets per employee ($millions) | 1.5062% | 7,717 |
| Cash dividends to net income (ytd only)* | 67.2131% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 5,254 |
| Loan loss allowance to noncurrent loans | 134.9810% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.7592% | 5,601 |
| Noncurrent loans to loans | 0.9165% | 5,445 |
| Net loans and leases to total assets | 81.8111% | 556 |
| Net loans and leases to deposits | 90.7958% | 1,726 |
| Net loans and leases to core deposits | 90.7958% | 3,154 |
| Total domestic deposits to total assets | 90.1045% | 873 |
| Equity capital to assets | 9.0353% | 5,392 |
| Core capital (leverage) ratio | 8.8064% | 4,903 |
| Tier 1 risk-based capital ratio | 10.2690% | 6,861 |
| Total risk-based capital ratio | 11.4685% | 6,874 |
| Memoranda: | ||
| Average total assets | $34,032,670 | 7,213 |
| Average earning assets | $30,473,670 | 7,212 |
| Average equity | $3,081,330 | 7,392 |
| Average total loans | $28,985,000 | 6,581 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7830% | 85 |
| Cost of funding earning assets | 0.8589% | 6,902 |
| Net interest margin | 6.9241% | 63 |
| Noninterest income to average assets | 2.0754% | 327 |
| Noninterest expense to average assets | 5.7756% | 239 |
| Loan and lease loss provision to assets | 0.3558% | 3,241 |
| Net operating income to assets | 2.1584% | 268 |
| Return on assets (ROA) | 2.1584% | 293 |
| Pretax return on assets | 2.1584% | 452 |
| Return on Equity (ROE) | 23.8142% | 197 |
| Retained earnings to average equity (ytd only) | 7.0658% | 2,109 |
| Net charge-offs to loans | -0.0412% | 7,294 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6710% | 4,378 |
| Assets per employee ($millions) | 1.5581% | 7,810 |
| Cash dividends to net income (ytd only)* | 70.3297% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 4,903 |
| Loan loss allowance to noncurrent loans | 201.5789% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.5543% | 6,123 |
| Noncurrent loans to loans | 0.6477% | 6,030 |
| Net loans and leases to total assets | 84.4623% | 333 |
| Net loans and leases to deposits | 94.4662% | 1,300 |
| Net loans and leases to core deposits | 94.4662% | 2,773 |
| Total domestic deposits to total assets | 89.4101% | 1,290 |
| Equity capital to assets | 8.9970% | 5,283 |
| Core capital (leverage) ratio | 8.9091% | 4,714 |
| Tier 1 risk-based capital ratio | 9.9481% | 7,064 |
| Total risk-based capital ratio | 11.1979% | 7,053 |
| Memoranda: | ||
| Average total assets | $33,728,000 | 7,320 |
| Average earning assets | $30,271,000 | 7,310 |
| Average equity | $3,057,000 | 7,478 |
| Average total loans | $29,129,500 | 6,651 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6015% | 116 |
| Cost of funding earning assets | 1.1217% | 6,907 |
| Net interest margin | 6.4798% | 75 |
| Noninterest income to average assets | 2.0397% | 363 |
| Noninterest expense to average assets | 5.6599% | 360 |
| Loan and lease loss provision to assets | 0.3679% | 4,587 |
| Net operating income to assets | 1.8778% | 307 |
| Return on assets (ROA) | 1.8778% | 313 |
| Pretax return on assets | 1.8778% | 541 |
| Return on Equity (ROE) | 21.5715% | 179 |
| Retained earnings to average equity (ytd only) | 5.1731% | 1,730 |
| Net charge-offs to loans | 0.3017% | 4,747 |
| Credit loss provision to net charge-offs | 150.6024% | 3,072 |
| Earnings coverage of net charge-offs (x) | 9.1928% | 1,834 |
| Efficiency ratio | 71.5934% | 4,331 |
| Assets per employee ($millions) | 1.5081% | 7,896 |
| Cash dividends to net income (ytd only)* | 76.0188% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 5,295 |
| Loan loss allowance to noncurrent loans | 118.6441% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.8891% | 5,323 |
| Noncurrent loans to loans | 1.0199% | 5,272 |
| Net loans and leases to total assets | 86.1233% | 274 |
| Net loans and leases to deposits | 94.8231% | 1,489 |
| Net loans and leases to core deposits | 104.8433% | 3,464 |
| Total domestic deposits to total assets | 90.8252% | 602 |
| Equity capital to assets | 9.1326% | 4,940 |
| Core capital (leverage) ratio | 8.7718% | 4,805 |
| Tier 1 risk-based capital ratio | 9.9026% | 6,952 |
| Total risk-based capital ratio | 11.0819% | 6,982 |
| Memoranda: | ||
| Average total assets | $33,975,600 | 7,325 |
| Average earning assets | $30,757,200 | 7,325 |
| Average equity | $2,957,600 | 7,598 |
| Average total loans | $27,511,400 | 6,772 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5293% | 143 |
| Cost of funding earning assets | 1.1795% | 6,947 |
| Net interest margin | 6.3498% | 84 |
| Noninterest income to average assets | 2.0599% | 347 |
| Noninterest expense to average assets | 5.5361% | 371 |
| Loan and lease loss provision to assets | 0.3511% | 4,216 |
| Net operating income to assets | 1.9273% | 340 |
| Return on assets (ROA) | 1.9273% | 368 |
| Pretax return on assets | 1.9273% | 627 |
| Return on Equity (ROE) | 22.4069% | 191 |
| Retained earnings to average equity (ytd only) | 6.0779% | 1,911 |
| Net charge-offs to loans | 0.2111% | 4,711 |
| Credit loss provision to net charge-offs | 209.3023% | 2,105 |
| Earnings coverage of net charge-offs (x) | 13.5819% | 1,669 |
| Efficiency ratio | 70.8437% | 4,450 |
| Assets per employee ($millions) | 1.5513% | 7,975 |
| Cash dividends to net income (ytd only)* | 72.8748% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2735% | 4,662 |
| Loan loss allowance to noncurrent loans | 191.8919% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.5421% | 6,101 |
| Noncurrent loans to loans | 0.6636% | 5,974 |
| Net loans and leases to total assets | 80.6411% | 1,055 |
| Net loans and leases to deposits | 88.7434% | 2,827 |
| Net loans and leases to core deposits | 97.8108% | 4,627 |
| Total domestic deposits to total assets | 90.8699% | 457 |
| Equity capital to assets | 8.8224% | 5,752 |
| Core capital (leverage) ratio | 8.5862% | 5,320 |
| Tier 1 risk-based capital ratio | 9.9894% | 6,993 |
| Total risk-based capital ratio | 11.2039% | 6,977 |
| Memoranda: | ||
| Average total assets | $34,175,000 | 7,376 |
| Average earning assets | $30,971,500 | 7,371 |
| Average equity | $2,939,500 | 7,678 |
| Average total loans | $27,158,250 | 6,852 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5200% | 149 |
| Cost of funding earning assets | 1.2619% | 6,919 |
| Net interest margin | 6.2580% | 90 |
| Noninterest income to average assets | 2.0649% | 351 |
| Noninterest expense to average assets | 5.3699% | 408 |
| Loan and lease loss provision to assets | 0.3510% | 3,823 |
| Net operating income to assets | 2.0298% | 275 |
| Return on assets (ROA) | 2.0298% | 300 |
| Pretax return on assets | 2.0298% | 520 |
| Return on Equity (ROE) | 23.8024% | 162 |
| Retained earnings to average equity (ytd only) | 5.2818% | 2,355 |
| Net charge-offs to loans | 0.2675% | 3,856 |
| Credit loss provision to net charge-offs | 166.6667% | 2,750 |
| Earnings coverage of net charge-offs (x) | 11.3056% | 1,913 |
| Efficiency ratio | 69.2830% | 4,927 |
| Assets per employee ($millions) | 1.6178% | 8,044 |
| Cash dividends to net income (ytd only)* | 77.8098% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2118% | 4,857 |
| Loan loss allowance to noncurrent loans | 155.8685% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.6270% | 5,845 |
| Noncurrent loans to loans | 0.7774% | 5,678 |
| Net loans and leases to total assets | 79.6691% | 1,367 |
| Net loans and leases to deposits | 87.4903% | 3,266 |
| Net loans and leases to core deposits | 96.8095% | 4,810 |
| Total domestic deposits to total assets | 91.0605% | 433 |
| Equity capital to assets | 8.6951% | 5,757 |
| Core capital (leverage) ratio | 8.3907% | 5,635 |
| Tier 1 risk-based capital ratio | 9.9375% | 6,999 |
| Total risk-based capital ratio | 11.0899% | 7,028 |
| Memoranda: | ||
| Average total assets | $34,190,330 | 7,437 |
| Average earning assets | $31,064,000 | 7,435 |
| Average equity | $2,915,670 | 7,754 |
| Average total loans | $26,918,670 | 6,924 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5211% | 163 |
| Cost of funding earning assets | 1.3325% | 6,925 |
| Net interest margin | 6.1885% | 90 |
| Noninterest income to average assets | 1.9359% | 384 |
| Noninterest expense to average assets | 5.1897% | 427 |
| Loan and lease loss provision to assets | 0.3499% | 3,219 |
| Net operating income to assets | 2.0292% | 333 |
| Return on assets (ROA) | 2.0292% | 379 |
| Pretax return on assets | 2.0292% | 635 |
| Return on Equity (ROE) | 24.0290% | 216 |
| Retained earnings to average equity (ytd only) | 5.3858% | 2,916 |
| Net charge-offs to loans | 0.0750% | 4,431 |
| Credit loss provision to net charge-offs | 600.0000% | 938 |
| Earnings coverage of net charge-offs (x) | 40.8000% | 836 |
| Efficiency ratio | 68.5670% | 4,854 |
| Assets per employee ($millions) | 1.7035% | 8,060 |
| Cash dividends to net income (ytd only)* | 77.5862% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 4,458 |
| Loan loss allowance to noncurrent loans | 91.2329% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 1.0203% | 4,656 |
| Noncurrent loans to loans | 1.3676% | 4,268 |
| Net loans and leases to total assets | 73.6785% | 2,841 |
| Net loans and leases to deposits | 80.3665% | 4,554 |
| Net loans and leases to core deposits | 88.3574% | 5,701 |
| Total domestic deposits to total assets | 91.6781% | 232 |
| Equity capital to assets | 8.1514% | 6,598 |
| Core capital (leverage) ratio | 8.3888% | 5,733 |
| Tier 1 risk-based capital ratio | 9.8501% | 7,086 |
| Total risk-based capital ratio | 11.0112% | 7,095 |
| Memoranda: | ||
| Average total assets | $34,299,000 | 7,480 |
| Average earning assets | $31,219,000 | 7,466 |
| Average equity | $2,896,500 | 7,814 |
| Average total loans | $26,679,000 | 6,961 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2122% | 145 |
| Cost of funding earning assets | 1.7469% | 7,139 |
| Net interest margin | 6.4652% | 75 |
| Noninterest income to average assets | 1.9914% | 346 |
| Noninterest expense to average assets | 5.3967% | 530 |
| Loan and lease loss provision to assets | 0.4422% | 3,078 |
| Net operating income to assets | 1.9974% | 354 |
| Return on assets (ROA) | 1.9974% | 339 |
| Pretax return on assets | 1.9974% | 609 |
| Return on Equity (ROE) | 23.5662% | 191 |
| Retained earnings to average equity (ytd only) | 4.8268% | 2,130 |
| Net charge-offs to loans | 0.5588% | 2,142 |
| Credit loss provision to net charge-offs | 100.6849% | 5,267 |
| Earnings coverage of net charge-offs (x) | 5.5548% | 3,609 |
| Efficiency ratio | 68.8676% | 4,563 |
| Assets per employee ($millions) | 1.5631% | 8,145 |
| Cash dividends to net income (ytd only)* | 79.5181% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 4,880 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.9383% | 4,479 |
| Noncurrent loans to loans | 1.1549% | 4,222 |
| Net loans and leases to total assets | 80.3046% | 1,589 |
| Net loans and leases to deposits | 88.0839% | 3,796 |
| Net loans and leases to core deposits | 99.9318% | 4,829 |
| Total domestic deposits to total assets | 91.1683% | 282 |
| Equity capital to assets | 8.7647% | 5,712 |
| Core capital (leverage) ratio | 8.5960% | 5,385 |
| Tier 1 risk-based capital ratio | 10.2326% | 6,483 |
| Total risk-based capital ratio | 11.3281% | 6,528 |
| Memoranda: | ||
| Average total assets | $33,242,600 | 7,497 |
| Average earning assets | $30,053,000 | 7,509 |
| Average equity | $2,817,600 | 7,892 |
| Average total loans | $26,125,200 | 6,957 |