Home > Del Norte Bank > Performance and Condition Ratios
Del Norte 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 | 5.7340% | 894 |
| Cost of funding earning assets | 1.5231% | 1,884 |
| Net interest margin | 4.2108% | 918 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 3.3860% | 668 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.5378% | 3,593 |
| Return on assets (ROA) | 0.5402% | 3,575 |
| Pretax return on assets | 0.6967% | 3,445 |
| Return on Equity (ROE) | 6.7600% | 3,342 |
| Retained earnings to average equity (ytd only) | 5.8119% | 2,318 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.6001% | 802 |
| Assets per employee ($millions) | 4.8970% | 3,707 |
| Cash dividends to net income (ytd only)* | 14.0647% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0611% | 3,018 |
| Loan loss allowance to noncurrent loans | 63.9958% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.3835% | 288 |
| Noncurrent loans to loans | 1.6581% | 383 |
| Net loans and leases to total assets | 82.5600% | 383 |
| Net loans and leases to deposits | 98.2775% | 633 |
| Net loans and leases to core deposits | 128.0321% | 439 |
| Total domestic deposits to total assets | 84.0000% | 2,616 |
| Equity capital to assets | 8.3476% | 3,162 |
| Core capital (leverage) ratio | 9.5765% | 3,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $131,629,600 | 3,536 |
| Average earning assets | $121,329,600 | 3,530 |
| Average equity | $10,513,000 | 3,662 |
| Average total loans | $109,284,000 | 3,073 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5782% | 926 |
| Cost of funding earning assets | 1.3929% | 1,890 |
| Net interest margin | 4.1853% | 942 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 3.4915% | 560 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.4633% | 3,838 |
| Return on assets (ROA) | 0.4657% | 3,836 |
| Pretax return on assets | 0.5998% | 3,731 |
| Return on Equity (ROE) | 5.9000% | 3,655 |
| Retained earnings to average equity (ytd only) | 4.6044% | 3,068 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 84.0976% | 611 |
| Assets per employee ($millions) | 5.0711% | 3,557 |
| Cash dividends to net income (ytd only)* | 21.9780% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 3,192 |
| Loan loss allowance to noncurrent loans | 38.2676% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 2.1790% | 116 |
| Noncurrent loans to loans | 2.7013% | 174 |
| Net loans and leases to total assets | 79.8300% | 667 |
| Net loans and leases to deposits | 90.9094% | 1,154 |
| Net loans and leases to core deposits | 118.0574% | 603 |
| Total domestic deposits to total assets | 87.8100% | 1,639 |
| Equity capital to assets | 7.2272% | 3,499 |
| Core capital (leverage) ratio | 9.4911% | 3,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $130,257,750 | 3,559 |
| Average earning assets | $120,035,000 | 3,555 |
| Average equity | $10,279,750 | 3,689 |
| Average total loans | $108,002,250 | 3,090 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4209% | 933 |
| Cost of funding earning assets | 1.1823% | 2,043 |
| Net interest margin | 4.2386% | 875 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 3.7706% | 415 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.2777% | 4,186 |
| Return on assets (ROA) | 0.2802% | 4,214 |
| Pretax return on assets | 0.3609% | 4,168 |
| Return on Equity (ROE) | 3.4400% | 4,105 |
| Retained earnings to average equity (ytd only) | 1.4972% | 3,830 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 90.0908% | 351 |
| Assets per employee ($millions) | 4.8579% | 3,708 |
| Cash dividends to net income (ytd only)* | 56.4972% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0411% | 3,239 |
| Loan loss allowance to noncurrent loans | 81.0924% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 1.0887% | 402 |
| Noncurrent loans to loans | 1.2838% | 555 |
| Net loans and leases to total assets | 83.9200% | 276 |
| Net loans and leases to deposits | 103.4230% | 387 |
| Net loans and leases to core deposits | 117.8087% | 578 |
| Total domestic deposits to total assets | 81.1400% | 3,404 |
| Equity capital to assets | 7.8566% | 3,309 |
| Core capital (leverage) ratio | 9.8367% | 2,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $126,346,333 | 3,610 |
| Average earning assets | $116,216,667 | 3,606 |
| Average equity | $10,285,667 | 3,709 |
| Average total loans | $105,823,667 | 3,113 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1927% | 961 |
| Cost of funding earning assets | 0.9931% | 2,071 |
| Net interest margin | 4.1996% | 948 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 4.4667% | 278 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | -0.5551% | 4,590 |
| Return on assets (ROA) | -0.5487% | 4,579 |
| Pretax return on assets | -0.4422% | 4,562 |
| Return on Equity (ROE) | -6.6200% | 4,573 |
| Retained earnings to average equity (ytd only) | -10.5099% | 4,487 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 109.5804% | 101 |
| Assets per employee ($millions) | 4.7475% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 3,114 |
| Loan loss allowance to noncurrent loans | 82.9091% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.1139% | 350 |
| Noncurrent loans to loans | 1.3123% | 513 |
| Net loans and leases to total assets | 83.9600% | 238 |
| Net loans and leases to deposits | 97.0257% | 596 |
| Net loans and leases to core deposits | 110.3071% | 698 |
| Total domestic deposits to total assets | 86.5400% | 2,429 |
| Equity capital to assets | 8.2545% | 3,076 |
| Core capital (leverage) ratio | 9.7866% | 2,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $123,938,000 | 3,680 |
| Average earning assets | $114,391,500 | 3,674 |
| Average equity | $10,276,000 | 3,752 |
| Average total loans | $103,121,000 | 3,173 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8708% | 378 |
| Cost of funding earning assets | 0.3049% | 2,834 |
| Net interest margin | 4.5659% | 260 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 3.2063% | 715 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0197% | 2,498 |
| Return on assets (ROA) | 1.0204% | 2,439 |
| Pretax return on assets | 1.3355% | 1,975 |
| Return on Equity (ROE) | 11.9000% | 2,174 |
| Retained earnings to average equity (ytd only) | 11.9034% | 688 |
| Net charge-offs to loans | 0.0032% | 2,367 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 539.3333% | 319 |
| Efficiency ratio | 70.6085% | 1,608 |
| Assets per employee ($millions) | 4.7862% | 3,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 2,864 |
| Loan loss allowance to noncurrent loans | 1,477.6316% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 3,193 |
| Noncurrent loans to loans | 0.0749% | 3,224 |
| Net loans and leases to total assets | 80.6300% | 532 |
| Net loans and leases to deposits | 91.8217% | 924 |
| Net loans and leases to core deposits | 102.0141% | 895 |
| Total domestic deposits to total assets | 87.8200% | 2,135 |
| Equity capital to assets | 8.3277% | 2,831 |
| Core capital (leverage) ratio | 10.0623% | 2,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $121,228,600 | 3,719 |
| Average earning assets | $110,515,400 | 3,719 |
| Average equity | $10,392,000 | 3,824 |
| Average total loans | $94,204,400 | 3,228 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6694% | 371 |
| Cost of funding earning assets | 0.2059% | 3,203 |
| Net interest margin | 4.4635% | 254 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 3.1742% | 713 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9963% | 2,486 |
| Return on assets (ROA) | 0.9998% | 2,447 |
| Pretax return on assets | 1.3098% | 2,014 |
| Return on Equity (ROE) | 11.5800% | 2,180 |
| Retained earnings to average equity (ytd only) | 11.5775% | 897 |
| Net charge-offs to loans | 0.0029% | 2,139 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 589.5000% | 265 |
| Efficiency ratio | 70.8601% | 1,659 |
| Assets per employee ($millions) | 4.7041% | 3,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 2,857 |
| Loan loss allowance to noncurrent loans | 140.5507% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.6533% | 805 |
| Noncurrent loans to loans | 0.8079% | 990 |
| Net loans and leases to total assets | 79.9400% | 535 |
| Net loans and leases to deposits | 91.1024% | 817 |
| Net loans and leases to core deposits | 100.5854% | 789 |
| Total domestic deposits to total assets | 87.7500% | 2,500 |
| Equity capital to assets | 8.1238% | 2,820 |
| Core capital (leverage) ratio | 10.1372% | 2,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $120,425,750 | 3,747 |
| Average earning assets | $109,418,250 | 3,757 |
| Average equity | $10,399,250 | 3,873 |
| Average total loans | $92,389,750 | 3,262 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5288% | 361 |
| Cost of funding earning assets | 0.1623% | 3,413 |
| Net interest margin | 4.3664% | 239 |
| Noninterest income to average assets | 0.4040% | 2,734 |
| Noninterest expense to average assets | 3.1186% | 716 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9416% | 2,395 |
| Return on assets (ROA) | 0.9416% | 2,370 |
| Pretax return on assets | 1.2371% | 1,941 |
| Return on Equity (ROE) | 10.6882% | 2,095 |
| Retained earnings to average equity (ytd only) | 10.6882% | 849 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5983% | 1,766 |
| Assets per employee ($millions) | 4.4271% | 4,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 2,616 |
| Loan loss allowance to noncurrent loans | 73.3073% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.2850% | 314 |
| Noncurrent loans to loans | 1.6586% | 427 |
| Net loans and leases to total assets | 76.5318% | 680 |
| Net loans and leases to deposits | 88.3242% | 815 |
| Net loans and leases to core deposits | 102.5641% | 566 |
| Total domestic deposits to total assets | 86.6488% | 3,058 |
| Equity capital to assets | 8.3827% | 2,850 |
| Core capital (leverage) ratio | 9.9507% | 2,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,798,667 | 3,802 |
| Average earning assets | $108,418,000 | 3,818 |
| Average equity | $10,553,667 | 3,927 |
| Average total loans | $90,221,333 | 3,322 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4297% | 364 |
| Cost of funding earning assets | 0.1635% | 3,319 |
| Net interest margin | 4.2662% | 255 |
| Noninterest income to average assets | 0.4269% | 2,515 |
| Noninterest expense to average assets | 3.1018% | 687 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8752% | 2,387 |
| Return on assets (ROA) | 0.8805% | 2,363 |
| Pretax return on assets | 1.1607% | 1,951 |
| Return on Equity (ROE) | 9.7593% | 2,065 |
| Retained earnings to average equity (ytd only) | 9.7593% | 1,083 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8840% | 1,869 |
| Assets per employee ($millions) | 4.6202% | 4,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 2,514 |
| Loan loss allowance to noncurrent loans | 144.5443% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.6485% | 917 |
| Noncurrent loans to loans | 0.8765% | 1,064 |
| Net loans and leases to total assets | 73.0458% | 733 |
| Net loans and leases to deposits | 80.8765% | 1,087 |
| Net loans and leases to core deposits | 96.2962% | 641 |
| Total domestic deposits to total assets | 90.3177% | 1,377 |
| Equity capital to assets | 8.8507% | 2,840 |
| Core capital (leverage) ratio | 9.7040% | 2,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,932,000 | 3,821 |
| Average earning assets | $107,638,000 | 3,837 |
| Average equity | $10,820,500 | 3,969 |
| Average total loans | $89,029,000 | 3,343 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4672% | 628 |
| Cost of funding earning assets | 0.2195% | 3,263 |
| Net interest margin | 4.2477% | 453 |
| Noninterest income to average assets | 0.9197% | 1,154 |
| Noninterest expense to average assets | 3.1681% | 760 |
| Loan and lease loss provision to assets | 0.0915% | 1,361 |
| Net operating income to assets | 1.1289% | 2,174 |
| Return on assets (ROA) | 1.1385% | 2,198 |
| Pretax return on assets | 1.5012% | 1,722 |
| Return on Equity (ROE) | 12.2976% | 1,714 |
| Retained earnings to average equity (ytd only) | 12.2976% | 502 |
| Net charge-offs to loans | -0.0012% | 3,295 |
| Credit loss provision to net charge-offs | -10,500.0000% | 4,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7156% | 2,161 |
| Assets per employee ($millions) | 4.6053% | 4,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 2,550 |
| Loan loss allowance to noncurrent loans | 97.0690% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.9688% | 584 |
| Noncurrent loans to loans | 1.3007% | 732 |
| Net loans and leases to total assets | 73.5431% | 702 |
| Net loans and leases to deposits | 81.8811% | 1,076 |
| Net loans and leases to core deposits | 97.9707% | 614 |
| Total domestic deposits to total assets | 89.8169% | 1,054 |
| Equity capital to assets | 9.1942% | 3,428 |
| Core capital (leverage) ratio | 9.4340% | 2,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,707,400 | 3,854 |
| Average earning assets | $103,397,600 | 3,872 |
| Average equity | $10,620,000 | 4,071 |
| Average total loans | $86,371,000 | 3,387 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3783% | 840 |
| Cost of funding earning assets | 0.2317% | 3,309 |
| Net interest margin | 4.1466% | 603 |
| Noninterest income to average assets | 1.1059% | 917 |
| Noninterest expense to average assets | 3.1837% | 733 |
| Loan and lease loss provision to assets | 0.1234% | 948 |
| Net operating income to assets | 1.1654% | 2,305 |
| Return on assets (ROA) | 1.1682% | 2,346 |
| Pretax return on assets | 1.5454% | 1,861 |
| Return on Equity (ROE) | 12.5946% | 1,829 |
| Retained earnings to average equity (ytd only) | 12.5946% | 702 |
| Net charge-offs to loans | -0.0016% | 3,180 |
| Credit loss provision to net charge-offs | -10,500.0000% | 4,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6568% | 2,149 |
| Assets per employee ($millions) | 4.6370% | 4,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 2,243 |
| Loan loss allowance to noncurrent loans | 50.0890% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.8646% | 218 |
| Noncurrent loans to loans | 2.6885% | 267 |
| Net loans and leases to total assets | 68.4204% | 1,267 |
| Net loans and leases to deposits | 75.8736% | 1,683 |
| Net loans and leases to core deposits | 90.3266% | 1,013 |
| Total domestic deposits to total assets | 90.1768% | 694 |
| Equity capital to assets | 8.9730% | 3,859 |
| Core capital (leverage) ratio | 9.2223% | 3,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,449,750 | 3,908 |
| Average earning assets | $102,411,000 | 3,927 |
| Average equity | $10,522,750 | 4,135 |
| Average total loans | $85,667,500 | 3,440 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5897% | 641 |
| Cost of funding earning assets | 0.2406% | 3,368 |
| Net interest margin | 4.3491% | 453 |
| Noninterest income to average assets | 1.4422% | 585 |
| Noninterest expense to average assets | 3.2265% | 687 |
| Loan and lease loss provision to assets | 0.1620% | 716 |
| Net operating income to assets | 1.5237% | 1,233 |
| Return on assets (ROA) | 1.5322% | 1,273 |
| Pretax return on assets | 2.0022% | 835 |
| Return on Equity (ROE) | 16.3272% | 896 |
| Retained earnings to average equity (ytd only) | 16.3272% | 316 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9732% | 3,021 |
| Assets per employee ($millions) | 4.2397% | 4,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 2,739 |
| Loan loss allowance to noncurrent loans | 158.4286% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.6115% | 1,367 |
| Noncurrent loans to loans | 0.7813% | 1,554 |
| Net loans and leases to total assets | 77.2995% | 491 |
| Net loans and leases to deposits | 85.9940% | 912 |
| Net loans and leases to core deposits | 100.2549% | 652 |
| Total domestic deposits to total assets | 89.8893% | 831 |
| Equity capital to assets | 9.3839% | 3,433 |
| Core capital (leverage) ratio | 9.4829% | 2,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,079,000 | 3,954 |
| Average earning assets | $100,572,000 | 3,969 |
| Average equity | $10,424,333 | 4,156 |
| Average total loans | $86,351,667 | 3,451 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4668% | 816 |
| Cost of funding earning assets | 0.2558% | 3,421 |
| Net interest margin | 4.2109% | 589 |
| Noninterest income to average assets | 2.0844% | 353 |
| Noninterest expense to average assets | 3.1632% | 754 |
| Loan and lease loss provision to assets | 0.1646% | 765 |
| Net operating income to assets | 1.9485% | 610 |
| Return on assets (ROA) | 1.9601% | 649 |
| Pretax return on assets | 2.5635% | 392 |
| Return on Equity (ROE) | 20.8855% | 476 |
| Retained earnings to average equity (ytd only) | 20.8855% | 242 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8270% | 3,807 |
| Assets per employee ($millions) | 4.4868% | 4,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 2,824 |
| Loan loss allowance to noncurrent loans | 185.0435% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.5126% | 1,851 |
| Noncurrent loans to loans | 0.6588% | 1,924 |
| Net loans and leases to total assets | 76.8644% | 548 |
| Net loans and leases to deposits | 85.4007% | 1,007 |
| Net loans and leases to core deposits | 102.8498% | 606 |
| Total domestic deposits to total assets | 90.0044% | 816 |
| Equity capital to assets | 9.2922% | 3,398 |
| Core capital (leverage) ratio | 9.7677% | 2,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,382,000 | 3,978 |
| Average earning assets | $98,505,500 | 3,992 |
| Average equity | $10,265,500 | 4,185 |
| Average total loans | $84,729,500 | 3,485 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9489% | 541 |
| Cost of funding earning assets | 0.4803% | 3,076 |
| Net interest margin | 4.4686% | 350 |
| Noninterest income to average assets | 0.9806% | 1,087 |
| Noninterest expense to average assets | 3.1771% | 1,097 |
| Loan and lease loss provision to assets | 0.2084% | 1,892 |
| Net operating income to assets | 1.2217% | 1,472 |
| Return on assets (ROA) | 1.2225% | 1,586 |
| Pretax return on assets | 1.6123% | 1,049 |
| Return on Equity (ROE) | 13.4392% | 940 |
| Retained earnings to average equity (ytd only) | 5.9730% | 1,805 |
| Net charge-offs to loans | 0.0072% | 3,082 |
| Credit loss provision to net charge-offs | 3,733.3333% | 280 |
| Earnings coverage of net charge-offs (x) | 326.0000% | 328 |
| Efficiency ratio | 63.5822% | 2,881 |
| Assets per employee ($millions) | 4.0998% | 4,294 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 2,742 |
| Loan loss allowance to noncurrent loans | 300.8850% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.3180% | 2,721 |
| Noncurrent loans to loans | 0.4125% | 2,742 |
| Net loans and leases to total assets | 76.1358% | 772 |
| Net loans and leases to deposits | 84.9393% | 1,365 |
| Net loans and leases to core deposits | 103.4704% | 751 |
| Total domestic deposits to total assets | 89.6355% | 709 |
| Equity capital to assets | 9.4826% | 3,634 |
| Core capital (leverage) ratio | 9.0384% | 3,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,488,600 | 3,904 |
| Average earning assets | $96,608,200 | 3,929 |
| Average equity | $9,777,400 | 4,218 |
| Average total loans | $83,188,800 | 3,505 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9688% | 637 |
| Cost of funding earning assets | 0.5249% | 3,082 |
| Net interest margin | 4.4439% | 434 |
| Noninterest income to average assets | 1.0361% | 970 |
| Noninterest expense to average assets | 3.1194% | 1,201 |
| Loan and lease loss provision to assets | 0.1848% | 2,138 |
| Net operating income to assets | 1.3158% | 1,320 |
| Return on assets (ROA) | 1.3158% | 1,406 |
| Pretax return on assets | 1.7354% | 898 |
| Return on Equity (ROE) | 14.6192% | 763 |
| Retained earnings to average equity (ytd only) | 4.5797% | 2,757 |
| Net charge-offs to loans | 0.0048% | 2,974 |
| Credit loss provision to net charge-offs | 4,966.6667% | 234 |
| Earnings coverage of net charge-offs (x) | 517.0000% | 224 |
| Efficiency ratio | 61.9013% | 3,094 |
| Assets per employee ($millions) | 4.5192% | 3,826 |
| Cash dividends to net income (ytd only)* | 68.6736% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 3,355 |
| Loan loss allowance to noncurrent loans | 1,634.4828% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 4,192 |
| Noncurrent loans to loans | 0.0656% | 4,106 |
| Net loans and leases to total assets | 74.4872% | 1,311 |
| Net loans and leases to deposits | 89.4642% | 1,327 |
| Net loans and leases to core deposits | 108.5101% | 751 |
| Total domestic deposits to total assets | 83.2593% | 3,078 |
| Equity capital to assets | 8.4470% | 4,488 |
| Core capital (leverage) ratio | 8.5514% | 4,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,712,000 | 3,902 |
| Average earning assets | $97,030,000 | 3,925 |
| Average equity | $9,694,750 | 4,241 |
| Average total loans | $83,441,750 | 3,524 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1307% | 651 |
| Cost of funding earning assets | 0.6361% | 2,776 |
| Net interest margin | 4.4946% | 511 |
| Noninterest income to average assets | 1.2963% | 605 |
| Noninterest expense to average assets | 3.1920% | 1,179 |
| Loan and lease loss provision to assets | 0.1417% | 2,594 |
| Net operating income to assets | 1.5074% | 913 |
| Return on assets (ROA) | 1.5165% | 974 |
| Pretax return on assets | 2.0469% | 496 |
| Return on Equity (ROE) | 16.4691% | 491 |
| Retained earnings to average equity (ytd only) | 3.9925% | 2,914 |
| Net charge-offs to loans | 0.0024% | 2,921 |
| Credit loss provision to net charge-offs | 7,400.0000% | 163 |
| Earnings coverage of net charge-offs (x) | 1,137.0000% | 77 |
| Efficiency ratio | 59.4508% | 3,493 |
| Assets per employee ($millions) | 4.6861% | 3,546 |
| Cash dividends to net income (ytd only)* | 75.7576% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 3,526 |
| Loan loss allowance to noncurrent loans | 63.9620% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.2164% | 891 |
| Noncurrent loans to loans | 1.5780% | 945 |
| Net loans and leases to total assets | 76.3066% | 1,084 |
| Net loans and leases to deposits | 92.4515% | 1,103 |
| Net loans and leases to core deposits | 118.1299% | 474 |
| Total domestic deposits to total assets | 82.5369% | 3,224 |
| Equity capital to assets | 8.7129% | 4,341 |
| Core capital (leverage) ratio | 8.8761% | 4,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,450,000 | 3,932 |
| Average earning assets | $94,646,333 | 3,958 |
| Average equity | $9,618,000 | 4,263 |
| Average total loans | $81,766,000 | 3,549 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3330% | 517 |
| Cost of funding earning assets | 0.7941% | 2,429 |
| Net interest margin | 4.5389% | 460 |
| Noninterest income to average assets | 0.2828% | 3,834 |
| Noninterest expense to average assets | 3.2735% | 1,277 |
| Loan and lease loss provision to assets | 0.0717% | 2,838 |
| Net operating income to assets | 0.8244% | 2,813 |
| Return on assets (ROA) | 0.8244% | 2,898 |
| Pretax return on assets | 1.1031% | 2,511 |
| Return on Equity (ROE) | 8.6906% | 2,244 |
| Retained earnings to average equity (ytd only) | -0.1260% | 4,011 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5900% | 1,874 |
| Assets per employee ($millions) | 4.0366% | 3,870 |
| Cash dividends to net income (ytd only)* | 101.4493% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 3,503 |
| Loan loss allowance to noncurrent loans | 267.9739% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.3032% | 3,237 |
| Noncurrent loans to loans | 0.3872% | 3,101 |
| Net loans and leases to total assets | 77.5078% | 1,053 |
| Net loans and leases to deposits | 87.0645% | 1,859 |
| Net loans and leases to core deposits | 121.2874% | 434 |
| Total domestic deposits to total assets | 89.0234% | 652 |
| Equity capital to assets | 9.4862% | 4,234 |
| Core capital (leverage) ratio | 9.3311% | 4,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,442,000 | 3,983 |
| Average earning assets | $92,181,000 | 3,998 |
| Average equity | $9,527,500 | 4,291 |
| Average total loans | $79,302,000 | 3,593 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5091% | 553 |
| Cost of funding earning assets | 0.9245% | 2,089 |
| Net interest margin | 4.5846% | 594 |
| Noninterest income to average assets | 0.4661% | 2,924 |
| Noninterest expense to average assets | 3.4102% | 1,096 |
| Loan and lease loss provision to assets | 0.0633% | 2,770 |
| Net operating income to assets | 0.8678% | 3,325 |
| Return on assets (ROA) | 0.8639% | 3,435 |
| Pretax return on assets | 1.1836% | 2,896 |
| Return on Equity (ROE) | 9.8406% | 2,366 |
| Retained earnings to average equity (ytd only) | 8.2625% | 898 |
| Net charge-offs to loans | 0.0051% | 3,491 |
| Credit loss provision to net charge-offs | 1,600.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 316.2500% | 275 |
| Efficiency ratio | 73.1480% | 1,710 |
| Assets per employee ($millions) | 3.8450% | 4,102 |
| Cash dividends to net income (ytd only)* | 16.0367% | 3,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 3,449 |
| Loan loss allowance to noncurrent loans | 219.1257% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 2,940 |
| Noncurrent loans to loans | 0.4600% | 2,799 |
| Net loans and leases to total assets | 78.7894% | 964 |
| Net loans and leases to deposits | 88.8194% | 1,730 |
| Net loans and leases to core deposits | 106.6626% | 1,070 |
| Total domestic deposits to total assets | 88.7075% | 787 |
| Equity capital to assets | 9.4849% | 4,366 |
| Core capital (leverage) ratio | 9.0281% | 4,514 |
| Tier 1 risk-based capital ratio | 14.2753% | 3,132 |
| Total risk-based capital ratio | 15.4918% | 3,064 |
| Memoranda: | ||
| Average total assets | $101,049,000 | 3,984 |
| Average earning assets | $92,484,000 | 4,007 |
| Average equity | $8,871,400 | 4,394 |
| Average total loans | $78,615,000 | 3,627 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4516% | 640 |
| Cost of funding earning assets | 0.9350% | 2,062 |
| Net interest margin | 4.5166% | 741 |
| Noninterest income to average assets | 0.4961% | 2,753 |
| Noninterest expense to average assets | 3.3978% | 1,096 |
| Loan and lease loss provision to assets | 0.0605% | 2,688 |
| Net operating income to assets | 0.8882% | 3,390 |
| Return on assets (ROA) | 0.8830% | 3,484 |
| Pretax return on assets | 1.1567% | 3,115 |
| Return on Equity (ROE) | 10.2611% | 2,327 |
| Retained earnings to average equity (ytd only) | 9.8024% | 802 |
| Net charge-offs to loans | 0.0068% | 3,133 |
| Credit loss provision to net charge-offs | 1,150.0000% | 312 |
| Earnings coverage of net charge-offs (x) | 232.6398% | 395 |
| Efficiency ratio | 73.5194% | 1,637 |
| Assets per employee ($millions) | 4.1248% | 3,720 |
| Cash dividends to net income (ytd only)* | 4.4711% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9402% | 3,873 |
| Loan loss allowance to noncurrent loans | 506.4516% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 4,018 |
| Noncurrent loans to loans | 0.1857% | 3,871 |
| Net loans and leases to total assets | 77.1169% | 1,296 |
| Net loans and leases to deposits | 86.7427% | 2,100 |
| Net loans and leases to core deposits | 105.5706% | 1,218 |
| Total domestic deposits to total assets | 88.9030% | 648 |
| Equity capital to assets | 8.5542% | 4,974 |
| Core capital (leverage) ratio | 8.7200% | 4,819 |
| Tier 1 risk-based capital ratio | 13.0227% | 3,834 |
| Total risk-based capital ratio | 14.1437% | 3,805 |
| Memoranda: | ||
| Average total assets | $101,319,000 | 4,022 |
| Average earning assets | $92,545,000 | 4,043 |
| Average equity | $8,718,750 | 4,465 |
| Average total loans | $78,377,000 | 3,669 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4000% | 680 |
| Cost of funding earning assets | 0.9537% | 1,892 |
| Net interest margin | 4.4463% | 858 |
| Noninterest income to average assets | 0.5395% | 2,445 |
| Noninterest expense to average assets | 3.5010% | 959 |
| Loan and lease loss provision to assets | 0.0604% | 2,616 |
| Net operating income to assets | 0.8109% | 3,614 |
| Return on assets (ROA) | 0.8093% | 3,679 |
| Pretax return on assets | 1.0590% | 3,355 |
| Return on Equity (ROE) | 9.3848% | 2,687 |
| Retained earnings to average equity (ytd only) | 8.9179% | 1,052 |
| Net charge-offs to loans | 0.0104% | 2,759 |
| Credit loss provision to net charge-offs | 750.0000% | 437 |
| Earnings coverage of net charge-offs (x) | 139.2500% | 525 |
| Efficiency ratio | 75.7404% | 1,431 |
| Assets per employee ($millions) | 4.3173% | 3,411 |
| Cash dividends to net income (ytd only)* | 4.9751% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9486% | 3,881 |
| Loan loss allowance to noncurrent loans | 415.6757% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 3,869 |
| Noncurrent loans to loans | 0.2282% | 3,720 |
| Net loans and leases to total assets | 77.4965% | 1,314 |
| Net loans and leases to deposits | 85.4580% | 2,318 |
| Net loans and leases to core deposits | 111.9854% | 868 |
| Total domestic deposits to total assets | 90.6838% | 159 |
| Equity capital to assets | 8.5760% | 5,013 |
| Core capital (leverage) ratio | 8.8147% | 4,777 |
| Tier 1 risk-based capital ratio | 13.0624% | 3,807 |
| Total risk-based capital ratio | 14.1945% | 3,776 |
| Memoranda: | ||
| Average total assets | $99,343,670 | 4,080 |
| Average earning assets | $91,222,330 | 4,092 |
| Average equity | $8,567,000 | 4,506 |
| Average total loans | $76,673,000 | 3,721 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3639% | 674 |
| Cost of funding earning assets | 0.9500% | 1,793 |
| Net interest margin | 4.4139% | 870 |
| Noninterest income to average assets | 0.6872% | 1,658 |
| Noninterest expense to average assets | 3.6088% | 841 |
| Loan and lease loss provision to assets | 0.0617% | 2,423 |
| Net operating income to assets | 0.8189% | 3,556 |
| Return on assets (ROA) | 0.8189% | 3,595 |
| Pretax return on assets | 1.0699% | 3,242 |
| Return on Equity (ROE) | 9.4677% | 2,602 |
| Retained earnings to average equity (ytd only) | 8.5162% | 1,484 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1285% | 1,486 |
| Assets per employee ($millions) | 4.0832% | 3,805 |
| Cash dividends to net income (ytd only)* | 10.0503% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 3,651 |
| Loan loss allowance to noncurrent loans | 86.1206% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.8970% | 1,568 |
| Noncurrent loans to loans | 1.1691% | 1,418 |
| Net loans and leases to total assets | 75.9523% | 1,487 |
| Net loans and leases to deposits | 88.0059% | 1,873 |
| Net loans and leases to core deposits | 111.8086% | 842 |
| Total domestic deposits to total assets | 86.3037% | 2,139 |
| Equity capital to assets | 8.8003% | 4,820 |
| Core capital (leverage) ratio | 9.0592% | 4,612 |
| Tier 1 risk-based capital ratio | 13.1975% | 3,776 |
| Total risk-based capital ratio | 14.3515% | 3,734 |
| Memoranda: | ||
| Average total assets | $97,208,000 | 4,145 |
| Average earning assets | $89,264,000 | 4,162 |
| Average equity | $8,407,500 | 4,556 |
| Average total loans | $74,476,000 | 3,794 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2068% | 692 |
| Cost of funding earning assets | 0.6547% | 2,359 |
| Net interest margin | 4.5520% | 689 |
| Noninterest income to average assets | 0.7644% | 1,586 |
| Noninterest expense to average assets | 3.4304% | 1,103 |
| Loan and lease loss provision to assets | 0.1159% | 1,898 |
| Net operating income to assets | 1.0552% | 2,777 |
| Return on assets (ROA) | 1.0552% | 2,767 |
| Pretax return on assets | 1.3920% | 2,156 |
| Return on Equity (ROE) | 12.4968% | 1,549 |
| Retained earnings to average equity (ytd only) | 11.0723% | 424 |
| Net charge-offs to loans | 0.0014% | 3,712 |
| Credit loss provision to net charge-offs | 10,600.0000% | 43 |
| Earnings coverage of net charge-offs (x) | 1,379.0000% | 81 |
| Efficiency ratio | 69.4641% | 2,293 |
| Assets per employee ($millions) | 4.0175% | 3,871 |
| Cash dividends to net income (ytd only)* | 11.3990% | 3,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 3,649 |
| Loan loss allowance to noncurrent loans | 129.4939% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.5943% | 2,251 |
| Noncurrent loans to loans | 0.7768% | 2,064 |
| Net loans and leases to total assets | 75.7340% | 1,659 |
| Net loans and leases to deposits | 88.1280% | 2,026 |
| Net loans and leases to core deposits | 118.9206% | 582 |
| Total domestic deposits to total assets | 85.9364% | 2,261 |
| Equity capital to assets | 8.4952% | 4,936 |
| Core capital (leverage) ratio | 8.8180% | 4,799 |
| Tier 1 risk-based capital ratio | 13.1252% | 3,775 |
| Total risk-based capital ratio | 14.2875% | 3,719 |
| Memoranda: | ||
| Average total assets | $91,448,000 | 4,245 |
| Average earning assets | $83,852,600 | 4,252 |
| Average equity | $7,722,000 | 4,645 |
| Average total loans | $70,918,400 | 3,854 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1946% | 636 |
| Cost of funding earning assets | 0.5725% | 2,686 |
| Net interest margin | 4.6220% | 565 |
| Noninterest income to average assets | 0.7863% | 1,519 |
| Noninterest expense to average assets | 3.4868% | 995 |
| Loan and lease loss provision to assets | 0.1345% | 1,490 |
| Net operating income to assets | 1.0793% | 2,752 |
| Return on assets (ROA) | 1.0805% | 2,758 |
| Pretax return on assets | 1.4027% | 2,216 |
| Return on Equity (ROE) | 12.8162% | 1,498 |
| Retained earnings to average equity (ytd only) | 11.0630% | 640 |
| Net charge-offs to loans | 0.0019% | 3,423 |
| Credit loss provision to net charge-offs | 9,100.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 1,041.5789% | 79 |
| Efficiency ratio | 69.4232% | 2,282 |
| Assets per employee ($millions) | 4.1116% | 3,709 |
| Cash dividends to net income (ytd only)* | 13.6799% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9945% | 3,803 |
| Loan loss allowance to noncurrent loans | 146.5726% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.5245% | 2,642 |
| Noncurrent loans to loans | 0.6785% | 2,382 |
| Net loans and leases to total assets | 76.5320% | 1,580 |
| Net loans and leases to deposits | 89.0078% | 2,020 |
| Net loans and leases to core deposits | 118.9716% | 607 |
| Total domestic deposits to total assets | 85.9835% | 2,199 |
| Equity capital to assets | 8.2037% | 5,084 |
| Core capital (leverage) ratio | 8.6629% | 4,991 |
| Tier 1 risk-based capital ratio | 12.9775% | 3,922 |
| Total risk-based capital ratio | 14.1345% | 3,873 |
| Memoranda: | ||
| Average total assets | $90,205,250 | 4,308 |
| Average earning assets | $82,674,250 | 4,313 |
| Average equity | $7,604,750 | 4,713 |
| Average total loans | $70,207,000 | 3,904 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0978% | 665 |
| Cost of funding earning assets | 0.4941% | 3,041 |
| Net interest margin | 4.6037% | 543 |
| Noninterest income to average assets | 0.7369% | 1,698 |
| Noninterest expense to average assets | 3.5560% | 922 |
| Loan and lease loss provision to assets | 0.1623% | 1,147 |
| Net operating income to assets | 0.9627% | 3,180 |
| Return on assets (ROA) | 0.9645% | 3,173 |
| Pretax return on assets | 1.2620% | 2,664 |
| Return on Equity (ROE) | 11.3322% | 1,984 |
| Retained earnings to average equity (ytd only) | 10.0084% | 926 |
| Net charge-offs to loans | 0.0029% | 3,087 |
| Credit loss provision to net charge-offs | 7,200.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 631.0000% | 134 |
| Efficiency ratio | 71.4350% | 2,096 |
| Assets per employee ($millions) | 3.8021% | 4,208 |
| Cash dividends to net income (ytd only)* | 11.6822% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 3,858 |
| Loan loss allowance to noncurrent loans | 146.2810% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.5304% | 2,640 |
| Noncurrent loans to loans | 0.6818% | 2,404 |
| Net loans and leases to total assets | 77.0183% | 1,464 |
| Net loans and leases to deposits | 93.4724% | 1,419 |
| Net loans and leases to core deposits | 105.2884% | 1,297 |
| Total domestic deposits to total assets | 82.3969% | 3,594 |
| Equity capital to assets | 8.3199% | 5,066 |
| Core capital (leverage) ratio | 8.8080% | 4,872 |
| Tier 1 risk-based capital ratio | 12.4519% | 4,216 |
| Total risk-based capital ratio | 13.5681% | 4,178 |
| Memoranda: | ||
| Average total assets | $88,751,330 | 4,370 |
| Average earning assets | $81,761,000 | 4,370 |
| Average equity | $7,553,670 | 4,765 |
| Average total loans | $69,242,330 | 3,948 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0482% | 628 |
| Cost of funding earning assets | 0.4252% | 3,400 |
| Net interest margin | 4.6230% | 476 |
| Noninterest income to average assets | 0.9417% | 1,044 |
| Noninterest expense to average assets | 3.5199% | 968 |
| Loan and lease loss provision to assets | 0.2057% | 797 |
| Net operating income to assets | 1.1347% | 2,270 |
| Return on assets (ROA) | 1.1383% | 2,275 |
| Pretax return on assets | 1.4948% | 1,694 |
| Return on Equity (ROE) | 13.2192% | 1,202 |
| Retained earnings to average equity (ytd only) | 13.2192% | 492 |
| Net charge-offs to loans | 0.0059% | 2,522 |
| Credit loss provision to net charge-offs | 4,500.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 371.0000% | 183 |
| Efficiency ratio | 67.4847% | 2,922 |
| Assets per employee ($millions) | 3.6648% | 4,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9907% | 4,016 |
| Loan loss allowance to noncurrent loans | 140.7025% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.5503% | 2,690 |
| Noncurrent loans to loans | 0.7041% | 2,450 |
| Net loans and leases to total assets | 77.3796% | 1,327 |
| Net loans and leases to deposits | 88.7018% | 1,842 |
| Net loans and leases to core deposits | 100.3598% | 1,660 |
| Total domestic deposits to total assets | 87.2357% | 2,025 |
| Equity capital to assets | 8.6134% | 4,890 |
| Core capital (leverage) ratio | 8.8392% | 4,857 |
| Tier 1 risk-based capital ratio | 12.9830% | 3,954 |
| Total risk-based capital ratio | 14.1206% | 3,915 |
| Memoranda: | ||
| Average total assets | $87,501,500 | 4,442 |
| Average earning assets | $80,900,500 | 4,437 |
| Average equity | $7,534,500 | 4,818 |
| Average total loans | $68,369,500 | 3,999 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2867% | 375 |
| Cost of funding earning assets | 0.3314% | 3,861 |
| Net interest margin | 4.9553% | 253 |
| Noninterest income to average assets | 0.7990% | 1,571 |
| Noninterest expense to average assets | 3.6170% | 881 |
| Loan and lease loss provision to assets | 0.1588% | 1,416 |
| Net operating income to assets | 1.1209% | 1,791 |
| Return on assets (ROA) | 1.1153% | 1,833 |
| Pretax return on assets | 1.5010% | 1,643 |
| Return on Equity (ROE) | 12.7217% | 1,021 |
| Retained earnings to average equity (ytd only) | 9.8468% | 374 |
| Net charge-offs to loans | 0.0032% | 3,993 |
| Credit loss provision to net charge-offs | 6,300.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 661.5000% | 133 |
| Efficiency ratio | 68.4474% | 2,807 |
| Assets per employee ($millions) | 3.9567% | 4,038 |
| Cash dividends to net income (ytd only)* | 22.5989% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 4,284 |
| Loan loss allowance to noncurrent loans | 300.4717% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 3,919 |
| Noncurrent loans to loans | 0.3118% | 3,668 |
| Net loans and leases to total assets | 77.3846% | 1,367 |
| Net loans and leases to deposits | 86.4278% | 2,206 |
| Net loans and leases to core deposits | 97.9711% | 1,864 |
| Total domestic deposits to total assets | 89.5367% | 756 |
| Equity capital to assets | 8.6080% | 5,032 |
| Core capital (leverage) ratio | 9.0267% | 4,617 |
| Tier 1 risk-based capital ratio | 12.7459% | 4,062 |
| Total risk-based capital ratio | 13.8251% | 4,059 |
| Memoranda: | ||
| Average total assets | $79,347,400 | 4,605 |
| Average earning assets | $71,822,000 | 4,631 |
| Average equity | $6,956,600 | 4,944 |
| Average total loans | $63,456,400 | 4,114 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2838% | 355 |
| Cost of funding earning assets | 0.3100% | 4,029 |
| Net interest margin | 4.9738% | 238 |
| Noninterest income to average assets | 0.7302% | 1,868 |
| Noninterest expense to average assets | 3.6147% | 851 |
| Loan and lease loss provision to assets | 0.1395% | 1,526 |
| Net operating income to assets | 1.0350% | 2,393 |
| Return on assets (ROA) | 1.0350% | 2,429 |
| Pretax return on assets | 1.4517% | 1,938 |
| Return on Equity (ROE) | 11.7451% | 1,414 |
| Retained earnings to average equity (ytd only) | 9.7908% | 630 |
| Net charge-offs to loans | 0.0278% | 2,877 |
| Credit loss provision to net charge-offs | 623.0769% | 526 |
| Earnings coverage of net charge-offs (x) | 71.0889% | 882 |
| Efficiency ratio | 69.4343% | 2,629 |
| Assets per employee ($millions) | 3.5444% | 4,656 |
| Cash dividends to net income (ytd only)* | 16.6390% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8925% | 4,603 |
| Loan loss allowance to noncurrent loans | 318.0328% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.2245% | 4,162 |
| Noncurrent loans to loans | 0.2806% | 3,943 |
| Net loans and leases to total assets | 79.2753% | 1,086 |
| Net loans and leases to deposits | 89.2131% | 1,904 |
| Net loans and leases to core deposits | 94.6014% | 2,212 |
| Total domestic deposits to total assets | 88.8605% | 946 |
| Equity capital to assets | 8.8149% | 5,067 |
| Core capital (leverage) ratio | 8.9267% | 4,828 |
| Tier 1 risk-based capital ratio | 12.5221% | 4,304 |
| Total risk-based capital ratio | 13.5429% | 4,339 |
| Memoranda: | ||
| Average total assets | $77,422,500 | 4,687 |
| Average earning assets | $69,669,750 | 4,724 |
| Average equity | $6,822,500 | 5,027 |
| Average total loans | $62,321,000 | 4,176 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2335% | 369 |
| Cost of funding earning assets | 0.3092% | 3,989 |
| Net interest margin | 4.9242% | 254 |
| Noninterest income to average assets | 0.6416% | 2,242 |
| Noninterest expense to average assets | 3.6131% | 856 |
| Loan and lease loss provision to assets | 0.1420% | 1,439 |
| Net operating income to assets | 0.8494% | 3,156 |
| Return on assets (ROA) | 0.8494% | 3,206 |
| Pretax return on assets | 1.3253% | 2,285 |
| Return on Equity (ROE) | 9.6399% | 2,197 |
| Retained earnings to average equity (ytd only) | 9.6399% | 662 |
| Net charge-offs to loans | 0.0130% | 2,995 |
| Credit loss provision to net charge-offs | 1,350.0000% | 312 |
| Earnings coverage of net charge-offs (x) | 139.5000% | 531 |
| Efficiency ratio | 71.1180% | 2,494 |
| Assets per employee ($millions) | 3.2686% | 5,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8963% | 4,654 |
| Loan loss allowance to noncurrent loans | 323.5632% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.2218% | 4,268 |
| Noncurrent loans to loans | 0.2770% | 4,049 |
| Net loans and leases to total assets | 79.3552% | 1,041 |
| Net loans and leases to deposits | 88.4046% | 1,934 |
| Net loans and leases to core deposits | 93.5346% | 2,197 |
| Total domestic deposits to total assets | 89.7637% | 617 |
| Equity capital to assets | 8.9093% | 4,979 |
| Core capital (leverage) ratio | 8.8958% | 4,849 |
| Tier 1 risk-based capital ratio | 12.5838% | 4,253 |
| Total risk-based capital ratio | 13.6014% | 4,275 |
| Memoranda: | ||
| Average total assets | $76,056,330 | 4,743 |
| Average earning assets | $68,558,670 | 4,774 |
| Average equity | $6,701,330 | 5,077 |
| Average total loans | $61,358,670 | 4,230 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2182% | 370 |
| Cost of funding earning assets | 0.3083% | 3,955 |
| Net interest margin | 4.9099% | 257 |
| Noninterest income to average assets | 0.6839% | 2,026 |
| Noninterest expense to average assets | 3.7670% | 704 |
| Loan and lease loss provision to assets | 0.1443% | 1,297 |
| Net operating income to assets | 0.7267% | 3,580 |
| Return on assets (ROA) | 0.7267% | 3,629 |
| Pretax return on assets | 1.1969% | 2,609 |
| Return on Equity (ROE) | 8.2958% | 2,766 |
| Retained earnings to average equity (ytd only) | 8.2958% | 1,342 |
| Net charge-offs to loans | 0.0066% | 2,742 |
| Credit loss provision to net charge-offs | 2,700.0000% | 125 |
| Earnings coverage of net charge-offs (x) | 251.0000% | 232 |
| Efficiency ratio | 73.7448% | 2,278 |
| Assets per employee ($millions) | 3.4435% | 4,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8949% | 4,774 |
| Loan loss allowance to noncurrent loans | 385.0000% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 4,510 |
| Noncurrent loans to loans | 0.2324% | 4,283 |
| Net loans and leases to total assets | 78.7938% | 1,015 |
| Net loans and leases to deposits | 87.7512% | 1,833 |
| Net loans and leases to core deposits | 92.9984% | 2,065 |
| Total domestic deposits to total assets | 89.7922% | 754 |
| Equity capital to assets | 8.7689% | 5,026 |
| Core capital (leverage) ratio | 8.9212% | 4,823 |
| Tier 1 risk-based capital ratio | 12.2454% | 4,546 |
| Total risk-based capital ratio | 13.2196% | 4,639 |
| Memoranda: | ||
| Average total assets | $74,861,500 | 4,819 |
| Average earning assets | $67,456,000 | 4,843 |
| Average equity | $6,557,500 | 5,145 |
| Average total loans | $60,631,000 | 4,283 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3339% | 337 |
| Cost of funding earning assets | 0.3264% | 3,784 |
| Net interest margin | 5.0075% | 245 |
| Noninterest income to average assets | 0.7082% | 2,139 |
| Noninterest expense to average assets | 3.7211% | 856 |
| Loan and lease loss provision to assets | 0.0915% | 2,524 |
| Net operating income to assets | 0.8599% | 3,026 |
| Return on assets (ROA) | 0.8628% | 3,123 |
| Pretax return on assets | 1.4119% | 1,891 |
| Return on Equity (ROE) | 9.6509% | 2,127 |
| Retained earnings to average equity (ytd only) | 8.8956% | 609 |
| Net charge-offs to loans | 0.0113% | 3,894 |
| Credit loss provision to net charge-offs | 1,016.6667% | 374 |
| Earnings coverage of net charge-offs (x) | 166.5000% | 390 |
| Efficiency ratio | 71.2849% | 2,699 |
| Assets per employee ($millions) | 3.3621% | 4,955 |
| Cash dividends to net income (ytd only)* | 7.8261% | 4,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8405% | 4,984 |
| Loan loss allowance to noncurrent loans | 226.9912% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.3055% | 4,052 |
| Noncurrent loans to loans | 0.3703% | 3,794 |
| Net loans and leases to total assets | 81.8189% | 628 |
| Net loans and leases to deposits | 92.1436% | 1,435 |
| Net loans and leases to core deposits | 97.8433% | 1,778 |
| Total domestic deposits to total assets | 88.7950% | 1,207 |
| Equity capital to assets | 8.7498% | 5,066 |
| Core capital (leverage) ratio | 9.0748% | 4,652 |
| Tier 1 risk-based capital ratio | 12.1519% | 4,617 |
| Total risk-based capital ratio | 13.1021% | 4,721 |
| Memoranda: | ||
| Average total assets | $66,646,400 | 4,995 |
| Average earning assets | $60,050,400 | 5,017 |
| Average equity | $5,958,000 | 5,287 |
| Average total loans | $53,143,400 | 4,487 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3068% | 364 |
| Cost of funding earning assets | 0.3390% | 3,665 |
| Net interest margin | 4.9678% | 269 |
| Noninterest income to average assets | 0.7097% | 2,127 |
| Noninterest expense to average assets | 3.6842% | 874 |
| Loan and lease loss provision to assets | 0.0720% | 2,772 |
| Net operating income to assets | 0.8621% | 3,091 |
| Return on assets (ROA) | 0.8660% | 3,195 |
| Pretax return on assets | 1.4214% | 1,961 |
| Return on Equity (ROE) | 9.6290% | 2,214 |
| Retained earnings to average equity (ytd only) | 8.5997% | 940 |
| Net charge-offs to loans | 0.0052% | 3,724 |
| Credit loss provision to net charge-offs | 1,750.0000% | 266 |
| Earnings coverage of net charge-offs (x) | 361.0412% | 244 |
| Efficiency ratio | 71.2411% | 2,691 |
| Assets per employee ($millions) | 3.2304% | 5,131 |
| Cash dividends to net income (ytd only)* | 10.6891% | 3,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8623% | 5,002 |
| Loan loss allowance to noncurrent loans | 613.7500% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.1126% | 4,972 |
| Noncurrent loans to loans | 0.1405% | 4,780 |
| Net loans and leases to total assets | 79.4338% | 980 |
| Net loans and leases to deposits | 92.3263% | 1,455 |
| Net loans and leases to core deposits | 98.6406% | 1,755 |
| Total domestic deposits to total assets | 86.0359% | 2,331 |
| Equity capital to assets | 9.1138% | 5,056 |
| Core capital (leverage) ratio | 9.0371% | 4,791 |
| Tier 1 risk-based capital ratio | 12.4253% | 4,520 |
| Total risk-based capital ratio | 13.3810% | 4,621 |
| Memoranda: | ||
| Average total assets | $64,816,250 | 5,076 |
| Average earning assets | $58,213,500 | 5,111 |
| Average equity | $5,829,500 | 5,366 |
| Average total loans | $51,171,250 | 4,580 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2564% | 389 |
| Cost of funding earning assets | 0.3547% | 3,519 |
| Net interest margin | 4.9018% | 314 |
| Noninterest income to average assets | 0.8289% | 1,615 |
| Noninterest expense to average assets | 3.6249% | 974 |
| Loan and lease loss provision to assets | 0.0383% | 3,391 |
| Net operating income to assets | 0.9492% | 2,627 |
| Return on assets (ROA) | 0.9533% | 2,755 |
| Pretax return on assets | 1.5781% | 1,430 |
| Return on Equity (ROE) | 10.6526% | 1,787 |
| Retained earnings to average equity (ytd only) | 9.0493% | 834 |
| Net charge-offs to loans | 0.0081% | 3,416 |
| Credit loss provision to net charge-offs | 600.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 252.5000% | 265 |
| Efficiency ratio | 69.2448% | 3,107 |
| Assets per employee ($millions) | 3.5246% | 4,711 |
| Cash dividends to net income (ytd only)* | 15.0502% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8557% | 5,111 |
| Loan loss allowance to noncurrent loans | 624.0000% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 5,083 |
| Noncurrent loans to loans | 0.1371% | 4,891 |
| Net loans and leases to total assets | 76.9265% | 1,349 |
| Net loans and leases to deposits | 94.0249% | 1,291 |
| Net loans and leases to core deposits | 100.3888% | 1,602 |
| Total domestic deposits to total assets | 81.8150% | 4,048 |
| Equity capital to assets | 8.3300% | 5,680 |
| Core capital (leverage) ratio | 8.9187% | 4,918 |
| Tier 1 risk-based capital ratio | 11.2521% | 5,294 |
| Total risk-based capital ratio | 12.1659% | 5,389 |
| Memoranda: | ||
| Average total assets | $62,732,330 | 5,181 |
| Average earning assets | $56,388,000 | 5,213 |
| Average equity | $5,613,670 | 5,457 |
| Average total loans | $49,247,330 | 4,672 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2328% | 395 |
| Cost of funding earning assets | 0.3979% | 3,094 |
| Net interest margin | 4.8349% | 339 |
| Noninterest income to average assets | 1.2846% | 665 |
| Noninterest expense to average assets | 3.4051% | 1,370 |
| Loan and lease loss provision to assets | 0.0204% | 3,423 |
| Net operating income to assets | 1.3365% | 1,165 |
| Return on assets (ROA) | 1.3321% | 1,263 |
| Pretax return on assets | 2.2293% | 361 |
| Return on Equity (ROE) | 14.2948% | 784 |
| Retained earnings to average equity (ytd only) | 11.0129% | 651 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1441% | 4,726 |
| Assets per employee ($millions) | 3.5528% | 4,739 |
| Cash dividends to net income (ytd only)* | 22.9592% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 4,737 |
| Loan loss allowance to noncurrent loans | 57.9874% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 1.3163% | 1,630 |
| Noncurrent loans to loans | 1.6815% | 1,347 |
| Net loans and leases to total assets | 77.5158% | 1,163 |
| Net loans and leases to deposits | 87.5528% | 1,879 |
| Net loans and leases to core deposits | 93.2091% | 2,072 |
| Total domestic deposits to total assets | 88.5360% | 1,337 |
| Equity capital to assets | 9.2818% | 4,907 |
| Core capital (leverage) ratio | 9.3314% | 4,453 |
| Tier 1 risk-based capital ratio | 12.3671% | 4,678 |
| Total risk-based capital ratio | 13.3925% | 4,722 |
| Memoranda: | ||
| Average total assets | $58,852,500 | 5,314 |
| Average earning assets | $53,279,000 | 5,335 |
| Average equity | $5,484,500 | 5,509 |
| Average total loans | $46,523,500 | 4,784 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3987% | 323 |
| Cost of funding earning assets | 0.4729% | 2,413 |
| Net interest margin | 4.9259% | 289 |
| Noninterest income to average assets | 0.4210% | 3,887 |
| Noninterest expense to average assets | 3.3736% | 1,537 |
| Loan and lease loss provision to assets | 0.0211% | 3,966 |
| Net operating income to assets | 0.8591% | 3,071 |
| Return on assets (ROA) | 0.8456% | 3,200 |
| Pretax return on assets | 1.3912% | 1,934 |
| Return on Equity (ROE) | 9.2521% | 2,343 |
| Retained earnings to average equity (ytd only) | 7.0639% | 1,254 |
| Net charge-offs to loans | 0.0045% | 4,291 |
| Credit loss provision to net charge-offs | 600.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 408.5000% | 156 |
| Efficiency ratio | 70.1825% | 3,194 |
| Assets per employee ($millions) | 3.8205% | 4,255 |
| Cash dividends to net income (ytd only)* | 23.6515% | 3,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 4,611 |
| Loan loss allowance to noncurrent loans | 70.5701% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 1.1325% | 1,936 |
| Noncurrent loans to loans | 1.4180% | 1,640 |
| Net loans and leases to total assets | 79.0654% | 978 |
| Net loans and leases to deposits | 89.9686% | 1,619 |
| Net loans and leases to core deposits | 96.1404% | 1,832 |
| Total domestic deposits to total assets | 87.8811% | 1,694 |
| Equity capital to assets | 9.3584% | 4,722 |
| Core capital (leverage) ratio | 9.2321% | 4,574 |
| Tier 1 risk-based capital ratio | 12.5240% | 4,614 |
| Total risk-based capital ratio | 13.5845% | 4,633 |
| Memoranda: | ||
| Average total assets | $57,001,800 | 5,381 |
| Average earning assets | $50,752,600 | 5,416 |
| Average equity | $5,209,600 | 5,602 |
| Average total loans | $44,684,800 | 4,842 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3711% | 335 |
| Cost of funding earning assets | 0.4914% | 2,303 |
| Net interest margin | 4.8797% | 321 |
| Noninterest income to average assets | 0.4075% | 4,029 |
| Noninterest expense to average assets | 3.3517% | 1,573 |
| Loan and lease loss provision to assets | 0.0211% | 3,855 |
| Net operating income to assets | 0.8284% | 3,288 |
| Return on assets (ROA) | 0.8104% | 3,479 |
| Pretax return on assets | 1.3327% | 2,274 |
| Return on Equity (ROE) | 8.9209% | 2,617 |
| Retained earnings to average equity (ytd only) | 7.1418% | 1,624 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8065% | 3,078 |
| Assets per employee ($millions) | 4.1843% | 3,548 |
| Cash dividends to net income (ytd only)* | 19.9428% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9756% | 4,863 |
| Loan loss allowance to noncurrent loans | 170.5224% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.4575% | 3,968 |
| Noncurrent loans to loans | 0.5721% | 3,619 |
| Net loans and leases to total assets | 79.1840% | 928 |
| Net loans and leases to deposits | 93.6958% | 1,237 |
| Net loans and leases to core deposits | 100.2269% | 1,490 |
| Total domestic deposits to total assets | 84.5118% | 3,219 |
| Equity capital to assets | 9.1192% | 5,196 |
| Core capital (leverage) ratio | 9.2580% | 4,646 |
| Tier 1 risk-based capital ratio | 12.2051% | 4,957 |
| Total risk-based capital ratio | 13.2539% | 4,999 |
| Memoranda: | ||
| Average total assets | $56,925,500 | 5,454 |
| Average earning assets | $50,466,500 | 5,493 |
| Average equity | $5,171,250 | 5,682 |
| Average total loans | $44,414,000 | 4,900 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3299% | 348 |
| Cost of funding earning assets | 0.5281% | 1,999 |
| Net interest margin | 4.8017% | 365 |
| Noninterest income to average assets | 0.4364% | 3,806 |
| Noninterest expense to average assets | 3.3810% | 1,510 |
| Loan and lease loss provision to assets | 0.0213% | 3,704 |
| Net operating income to assets | 0.7697% | 3,538 |
| Return on assets (ROA) | 0.7379% | 3,810 |
| Pretax return on assets | 1.2098% | 2,733 |
| Return on Equity (ROE) | 8.1340% | 2,973 |
| Retained earnings to average equity (ytd only) | 6.8826% | 1,748 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5266% | 2,924 |
| Assets per employee ($millions) | 4.1069% | 3,670 |
| Cash dividends to net income (ytd only)* | 15.3846% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0155% | 4,793 |
| Loan loss allowance to noncurrent loans | 271.8563% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.5061% | 3,924 |
| Noncurrent loans to loans | 0.3736% | 4,372 |
| Net loans and leases to total assets | 76.9654% | 1,227 |
| Net loans and leases to deposits | 88.9059% | 1,734 |
| Net loans and leases to core deposits | 95.9913% | 1,803 |
| Total domestic deposits to total assets | 86.5695% | 2,389 |
| Equity capital to assets | 8.9832% | 5,247 |
| Core capital (leverage) ratio | 9.3387% | 4,502 |
| Tier 1 risk-based capital ratio | 14.1540% | 3,842 |
| Total risk-based capital ratio | 15.3855% | 3,776 |
| Memoranda: | ||
| Average total assets | $56,374,000 | 5,530 |
| Average earning assets | $49,607,330 | 5,573 |
| Average equity | $5,114,330 | 5,750 |
| Average total loans | $43,604,330 | 4,966 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3223% | 342 |
| Cost of funding earning assets | 0.5478% | 1,867 |
| Net interest margin | 4.7746% | 366 |
| Noninterest income to average assets | 0.4802% | 3,422 |
| Noninterest expense to average assets | 3.4687% | 1,373 |
| Loan and lease loss provision to assets | 0.0215% | 3,436 |
| Net operating income to assets | 0.7604% | 3,481 |
| Return on assets (ROA) | 0.6952% | 3,951 |
| Pretax return on assets | 1.0750% | 3,193 |
| Return on Equity (ROE) | 7.6243% | 3,154 |
| Retained earnings to average equity (ytd only) | 7.6243% | 1,715 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3472% | 2,757 |
| Assets per employee ($millions) | 3.9978% | 3,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 4,768 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 5,056 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 76.0385% | 1,200 |
| Net loans and leases to deposits | 86.2126% | 1,805 |
| Net loans and leases to core deposits | 93.0962% | 1,841 |
| Total domestic deposits to total assets | 88.1988% | 1,709 |
| Equity capital to assets | 9.2355% | 5,044 |
| Core capital (leverage) ratio | 9.2933% | 4,582 |
| Tier 1 risk-based capital ratio | 14.5845% | 3,679 |
| Total risk-based capital ratio | 15.8219% | 3,608 |
| Memoranda: | ||
| Average total assets | $55,813,000 | 5,594 |
| Average earning assets | $48,926,000 | 5,638 |
| Average equity | $5,089,000 | 5,814 |
| Average total loans | $43,053,500 | 5,018 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4962% | 315 |
| Cost of funding earning assets | 0.6343% | 1,520 |
| Net interest margin | 4.8619% | 385 |
| Noninterest income to average assets | 0.3773% | 4,368 |
| Noninterest expense to average assets | 3.3904% | 1,716 |
| Loan and lease loss provision to assets | 0.1457% | 1,813 |
| Net operating income to assets | 0.7229% | 3,782 |
| Return on assets (ROA) | 0.7229% | 3,889 |
| Pretax return on assets | 1.1077% | 3,049 |
| Return on Equity (ROE) | 8.1856% | 3,031 |
| Retained earnings to average equity (ytd only) | 7.3396% | 1,254 |
| Net charge-offs to loans | 0.0601% | 3,640 |
| Credit loss provision to net charge-offs | 312.0000% | 837 |
| Earnings coverage of net charge-offs (x) | 26.8400% | 1,453 |
| Efficiency ratio | 73.0088% | 3,031 |
| Assets per employee ($millions) | 3.9755% | 4,013 |
| Cash dividends to net income (ytd only)* | 10.3359% | 4,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 4,858 |
| Loan loss allowance to noncurrent loans | 331.8519% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.6001% | 3,792 |
| Noncurrent loans to loans | 0.3132% | 4,721 |
| Net loans and leases to total assets | 76.6301% | 1,178 |
| Net loans and leases to deposits | 87.1386% | 1,831 |
| Net loans and leases to core deposits | 94.2125% | 1,901 |
| Total domestic deposits to total assets | 87.9404% | 1,805 |
| Equity capital to assets | 8.9998% | 5,285 |
| Core capital (leverage) ratio | 9.0573% | 4,896 |
| Tier 1 risk-based capital ratio | 14.3227% | 3,886 |
| Total risk-based capital ratio | 15.5756% | 3,817 |
| Memoranda: | ||
| Average total assets | $53,533,400 | 5,708 |
| Average earning assets | $46,978,000 | 5,754 |
| Average equity | $4,727,800 | 5,918 |
| Average total loans | $41,608,000 | 5,121 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4843% | 322 |
| Cost of funding earning assets | 0.6450% | 1,488 |
| Net interest margin | 4.8393% | 394 |
| Noninterest income to average assets | 0.3622% | 4,533 |
| Noninterest expense to average assets | 3.3935% | 1,688 |
| Loan and lease loss provision to assets | 0.1887% | 1,294 |
| Net operating income to assets | 0.6716% | 4,098 |
| Return on assets (ROA) | 0.6716% | 4,184 |
| Pretax return on assets | 1.0263% | 3,488 |
| Return on Equity (ROE) | 7.6434% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.0710% | 1,782 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6354% | 2,880 |
| Assets per employee ($millions) | 4.1157% | 3,630 |
| Cash dividends to net income (ytd only)* | 7.4918% | 3,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1015% | 4,743 |
| Loan loss allowance to noncurrent loans | 309.2105% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.5158% | 4,335 |
| Noncurrent loans to loans | 0.3562% | 4,835 |
| Net loans and leases to total assets | 78.8707% | 852 |
| Net loans and leases to deposits | 89.8960% | 1,439 |
| Net loans and leases to core deposits | 97.4190% | 1,560 |
| Total domestic deposits to total assets | 87.7355% | 1,906 |
| Equity capital to assets | 9.0143% | 5,337 |
| Core capital (leverage) ratio | 9.2348% | 4,732 |
| Tier 1 risk-based capital ratio | 14.4622% | 3,910 |
| Total risk-based capital ratio | 15.7120% | 3,850 |
| Memoranda: | ||
| Average total assets | $53,002,500 | 5,783 |
| Average earning assets | $46,507,000 | 5,828 |
| Average equity | $4,657,500 | 6,000 |
| Average total loans | $41,235,500 | 5,182 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4549% | 336 |
| Cost of funding earning assets | 0.6542% | 1,478 |
| Net interest margin | 4.8006% | 413 |
| Noninterest income to average assets | 0.3596% | 4,542 |
| Noninterest expense to average assets | 3.3879% | 1,704 |
| Loan and lease loss provision to assets | 0.2271% | 1,014 |
| Net operating income to assets | 0.6170% | 4,262 |
| Return on assets (ROA) | 0.6170% | 4,366 |
| Pretax return on assets | 0.9388% | 3,730 |
| Return on Equity (ROE) | 7.0834% | 3,585 |
| Retained earnings to average equity (ytd only) | 6.2142% | 2,208 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3973% | 2,908 |
| Assets per employee ($millions) | 4.0442% | 3,750 |
| Cash dividends to net income (ytd only)* | 12.2699% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0853% | 4,965 |
| Loan loss allowance to noncurrent loans | 206.8182% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.6543% | 4,022 |
| Noncurrent loans to loans | 0.5248% | 4,436 |
| Net loans and leases to total assets | 78.8721% | 804 |
| Net loans and leases to deposits | 91.0222% | 1,268 |
| Net loans and leases to core deposits | 98.1746% | 1,428 |
| Total domestic deposits to total assets | 86.6515% | 2,670 |
| Equity capital to assets | 9.0461% | 5,253 |
| Core capital (leverage) ratio | 9.2002% | 4,741 |
| Tier 1 risk-based capital ratio | 14.3569% | 4,023 |
| Total risk-based capital ratio | 15.6095% | 3,956 |
| Memoranda: | ||
| Average total assets | $52,835,330 | 5,835 |
| Average earning assets | $46,160,670 | 5,885 |
| Average equity | $4,602,330 | 6,057 |
| Average total loans | $40,757,670 | 5,239 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3554% | 378 |
| Cost of funding earning assets | 0.6640% | 1,484 |
| Net interest margin | 4.6914% | 477 |
| Noninterest income to average assets | 0.3776% | 4,366 |
| Noninterest expense to average assets | 3.3078% | 1,930 |
| Loan and lease loss provision to assets | 0.2266% | 982 |
| Net operating income to assets | 0.5891% | 4,241 |
| Return on assets (ROA) | 0.5891% | 4,321 |
| Pretax return on assets | 0.8987% | 3,699 |
| Return on Equity (ROE) | 6.8943% | 3,530 |
| Retained earnings to average equity (ytd only) | 5.1265% | 3,040 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6167% | 3,028 |
| Assets per employee ($millions) | 4.0434% | 3,838 |
| Cash dividends to net income (ytd only)* | 25.6410% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 5,278 |
| Loan loss allowance to noncurrent loans | 122.8324% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.8941% | 3,502 |
| Noncurrent loans to loans | 0.8661% | 3,727 |
| Net loans and leases to total assets | 75.1940% | 1,101 |
| Net loans and leases to deposits | 85.8549% | 1,620 |
| Net loans and leases to core deposits | 92.3891% | 1,694 |
| Total domestic deposits to total assets | 87.5828% | 2,471 |
| Equity capital to assets | 8.7607% | 5,377 |
| Core capital (leverage) ratio | 9.0404% | 4,950 |
| Tier 1 risk-based capital ratio | 14.4149% | 4,053 |
| Total risk-based capital ratio | 15.6677% | 4,012 |
| Memoranda: | ||
| Average total assets | $52,965,500 | 5,884 |
| Average earning assets | $45,785,500 | 5,946 |
| Average equity | $4,525,500 | 6,128 |
| Average total loans | $40,175,500 | 5,317 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7081% | 265 |
| Cost of funding earning assets | 0.7970% | 1,227 |
| Net interest margin | 4.9111% | 351 |
| Noninterest income to average assets | 0.4142% | 4,349 |
| Noninterest expense to average assets | 3.2924% | 2,168 |
| Loan and lease loss provision to assets | 0.2334% | 1,541 |
| Net operating income to assets | 0.7234% | 3,683 |
| Return on assets (ROA) | 0.7234% | 3,777 |
| Pretax return on assets | 1.1065% | 2,929 |
| Return on Equity (ROE) | 8.4669% | 2,795 |
| Retained earnings to average equity (ytd only) | 8.0117% | 1,053 |
| Net charge-offs to loans | 0.2057% | 2,821 |
| Credit loss provision to net charge-offs | 146.3415% | 1,589 |
| Earnings coverage of net charge-offs (x) | 8.4024% | 2,680 |
| Efficiency ratio | 71.0747% | 3,654 |
| Assets per employee ($millions) | 4.1052% | 3,641 |
| Cash dividends to net income (ytd only)* | 5.3763% | 4,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9777% | 5,673 |
| Loan loss allowance to noncurrent loans | 146.2963% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.7383% | 4,034 |
| Noncurrent loans to loans | 0.6683% | 4,304 |
| Net loans and leases to total assets | 74.9639% | 1,230 |
| Net loans and leases to deposits | 85.4957% | 1,751 |
| Net loans and leases to core deposits | 92.4438% | 1,742 |
| Total domestic deposits to total assets | 87.6815% | 2,373 |
| Equity capital to assets | 8.3310% | 5,757 |
| Core capital (leverage) ratio | 8.7938% | 5,291 |
| Tier 1 risk-based capital ratio | 14.3250% | 4,068 |
| Total risk-based capital ratio | 15.5307% | 4,037 |
| Memoranda: | ||
| Average total assets | $51,421,200 | 5,979 |
| Average earning assets | $44,165,200 | 6,048 |
| Average equity | $4,393,600 | 6,236 |
| Average total loans | $39,859,800 | 5,354 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7120% | 273 |
| Cost of funding earning assets | 0.8287% | 1,163 |
| Net interest margin | 4.8833% | 377 |
| Noninterest income to average assets | 0.4110% | 4,441 |
| Noninterest expense to average assets | 3.2799% | 2,118 |
| Loan and lease loss provision to assets | 0.2356% | 1,530 |
| Net operating income to assets | 0.7034% | 3,843 |
| Return on assets (ROA) | 0.7068% | 3,956 |
| Pretax return on assets | 1.0811% | 3,187 |
| Return on Equity (ROE) | 8.2180% | 3,015 |
| Retained earnings to average equity (ytd only) | 7.6094% | 1,585 |
| Net charge-offs to loans | 0.2752% | 2,174 |
| Credit loss provision to net charge-offs | 109.7561% | 2,145 |
| Earnings coverage of net charge-offs (x) | 6.1098% | 3,042 |
| Efficiency ratio | 71.4367% | 3,525 |
| Assets per employee ($millions) | 4.0215% | 3,788 |
| Cash dividends to net income (ytd only)* | 7.4085% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8983% | 6,058 |
| Loan loss allowance to noncurrent loans | 58.0286% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 1.4403% | 2,794 |
| Noncurrent loans to loans | 1.5481% | 2,845 |
| Net loans and leases to total assets | 77.0199% | 870 |
| Net loans and leases to deposits | 88.2581% | 1,341 |
| Net loans and leases to core deposits | 95.5167% | 1,431 |
| Total domestic deposits to total assets | 87.2666% | 2,519 |
| Equity capital to assets | 8.3818% | 5,846 |
| Core capital (leverage) ratio | 8.7835% | 5,431 |
| Tier 1 risk-based capital ratio | 13.7948% | 4,572 |
| Total risk-based capital ratio | 14.8913% | 4,620 |
| Memoranda: | ||
| Average total assets | $50,934,750 | 6,062 |
| Average earning assets | $43,603,000 | 6,130 |
| Average equity | $4,380,500 | 6,315 |
| Average total loans | $39,724,500 | 5,408 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7299% | 263 |
| Cost of funding earning assets | 0.8551% | 1,116 |
| Net interest margin | 4.8748% | 385 |
| Noninterest income to average assets | 0.4080% | 4,465 |
| Noninterest expense to average assets | 3.1613% | 2,477 |
| Loan and lease loss provision to assets | 0.2773% | 1,327 |
| Net operating income to assets | 0.7356% | 3,633 |
| Return on assets (ROA) | 0.7408% | 3,772 |
| Pretax return on assets | 1.1330% | 2,962 |
| Return on Equity (ROE) | 8.5388% | 2,826 |
| Retained earnings to average equity (ytd only) | 8.5388% | 1,274 |
| Net charge-offs to loans | 0.4160% | 1,555 |
| Credit loss provision to net charge-offs | 85.3659% | 2,532 |
| Earnings coverage of net charge-offs (x) | 4.3171% | 3,166 |
| Efficiency ratio | 69.2708% | 3,965 |
| Assets per employee ($millions) | 4.0101% | 3,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8486% | 6,255 |
| Loan loss allowance to noncurrent loans | 79.4457% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 1.2507% | 3,255 |
| Noncurrent loans to loans | 1.0681% | 3,790 |
| Net loans and leases to total assets | 77.1038% | 857 |
| Net loans and leases to deposits | 88.5450% | 1,277 |
| Net loans and leases to core deposits | 95.0753% | 1,433 |
| Total domestic deposits to total assets | 87.0787% | 2,769 |
| Equity capital to assets | 8.3329% | 5,940 |
| Core capital (leverage) ratio | 8.6858% | 5,445 |
| Tier 1 risk-based capital ratio | 13.6595% | 4,666 |
| Total risk-based capital ratio | 14.6973% | 4,766 |
| Memoranda: | ||
| Average total assets | $50,486,330 | 6,119 |
| Average earning assets | $43,037,670 | 6,189 |
| Average equity | $4,380,000 | 6,361 |
| Average total loans | $39,422,330 | 5,445 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7607% | 249 |
| Cost of funding earning assets | 0.8921% | 1,023 |
| Net interest margin | 4.8686% | 356 |
| Noninterest income to average assets | 0.3866% | 4,567 |
| Noninterest expense to average assets | 3.3666% | 1,910 |
| Loan and lease loss provision to assets | 0.1208% | 2,710 |
| Net operating income to assets | 0.6713% | 3,836 |
| Return on assets (ROA) | 0.6765% | 3,961 |
| Pretax return on assets | 1.0390% | 3,191 |
| Return on Equity (ROE) | 7.6398% | 3,140 |
| Retained earnings to average equity (ytd only) | 7.6398% | 1,880 |
| Net charge-offs to loans | 0.5146% | 1,170 |
| Credit loss provision to net charge-offs | 30.0000% | 2,888 |
| Earnings coverage of net charge-offs (x) | 2.8600% | 2,920 |
| Efficiency ratio | 74.5098% | 3,173 |
| Assets per employee ($millions) | 3.8504% | 4,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8253% | 6,415 |
| Loan loss allowance to noncurrent loans | 93.6047% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 0.8770% | 4,188 |
| Noncurrent loans to loans | 0.8817% | 4,372 |
| Net loans and leases to total assets | 77.3010% | 688 |
| Net loans and leases to deposits | 90.7626% | 902 |
| Net loans and leases to core deposits | 98.8832% | 1,014 |
| Total domestic deposits to total assets | 85.1683% | 3,960 |
| Equity capital to assets | 8.8463% | 5,672 |
| Core capital (leverage) ratio | 8.8423% | 5,132 |
| Tier 1 risk-based capital ratio | 14.3009% | 4,285 |
| Total risk-based capital ratio | 15.3414% | 4,396 |
| Memoranda: | ||
| Average total assets | $49,664,000 | 6,191 |
| Average earning assets | $42,148,000 | 6,275 |
| Average equity | $4,398,000 | 6,422 |
| Average total loans | $38,864,000 | 5,511 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1479% | 214 |
| Cost of funding earning assets | 1.1611% | 694 |
| Net interest margin | 4.9868% | 395 |
| Noninterest income to average assets | 0.8326% | 2,113 |
| Noninterest expense to average assets | 3.4800% | 1,862 |
| Loan and lease loss provision to assets | 0.1743% | 3,439 |
| Net operating income to assets | 0.9408% | 2,595 |
| Return on assets (ROA) | 0.9515% | 2,793 |
| Pretax return on assets | 1.4662% | 1,796 |
| Return on Equity (ROE) | 11.1721% | 1,749 |
| Retained earnings to average equity (ytd only) | 10.5702% | 494 |
| Net charge-offs to loans | 0.0434% | 5,306 |
| Credit loss provision to net charge-offs | 500.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 46.5882% | 709 |
| Efficiency ratio | 68.1800% | 4,115 |
| Assets per employee ($millions) | 3.7902% | 4,385 |
| Cash dividends to net income (ytd only)* | 5.3879% | 4,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9222% | 6,214 |
| Loan loss allowance to noncurrent loans | 104.0816% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.9052% | 4,234 |
| Noncurrent loans to loans | 0.8860% | 4,405 |
| Net loans and leases to total assets | 77.8438% | 697 |
| Net loans and leases to deposits | 92.4107% | 879 |
| Net loans and leases to core deposits | 101.0858% | 957 |
| Total domestic deposits to total assets | 84.2368% | 4,211 |
| Equity capital to assets | 8.8649% | 5,670 |
| Core capital (leverage) ratio | 8.8101% | 5,163 |
| Tier 1 risk-based capital ratio | 14.1428% | 4,282 |
| Total risk-based capital ratio | 15.3059% | 4,302 |
| Memoranda: | ||
| Average total assets | $48,765,000 | 6,247 |
| Average earning assets | $41,770,400 | 6,311 |
| Average equity | $4,153,200 | 6,534 |
| Average total loans | $39,133,000 | 5,546 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1786% | 223 |
| Cost of funding earning assets | 1.2077% | 672 |
| Net interest margin | 4.9709% | 425 |
| Noninterest income to average assets | 0.9156% | 1,775 |
| Noninterest expense to average assets | 3.4979% | 1,765 |
| Loan and lease loss provision to assets | 0.1234% | 4,012 |
| Net operating income to assets | 1.0130% | 2,436 |
| Return on assets (ROA) | 1.0252% | 2,605 |
| Pretax return on assets | 1.5899% | 1,609 |
| Return on Equity (ROE) | 12.1637% | 1,580 |
| Retained earnings to average equity (ytd only) | 11.3507% | 636 |
| Net charge-offs to loans | 0.0782% | 4,616 |
| Credit loss provision to net charge-offs | 195.6522% | 1,419 |
| Earnings coverage of net charge-offs (x) | 26.8660% | 1,202 |
| Efficiency ratio | 67.3706% | 4,202 |
| Assets per employee ($millions) | 3.8348% | 4,226 |
| Cash dividends to net income (ytd only)* | 6.6840% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7930% | 6,620 |
| Loan loss allowance to noncurrent loans | 174.7191% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 5,265 |
| Noncurrent loans to loans | 0.4539% | 5,538 |
| Net loans and leases to total assets | 78.0455% | 725 |
| Net loans and leases to deposits | 92.7021% | 902 |
| Net loans and leases to core deposits | 102.6407% | 949 |
| Total domestic deposits to total assets | 84.1895% | 4,131 |
| Equity capital to assets | 8.6013% | 6,170 |
| Core capital (leverage) ratio | 8.5291% | 5,711 |
| Tier 1 risk-based capital ratio | 13.5014% | 4,877 |
| Total risk-based capital ratio | 14.4889% | 5,030 |
| Memoranda: | ||
| Average total assets | $48,638,000 | 6,322 |
| Average earning assets | $41,842,500 | 6,384 |
| Average equity | $4,099,500 | 6,618 |
| Average total loans | $39,238,000 | 5,609 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1682% | 232 |
| Cost of funding earning assets | 1.2729% | 589 |
| Net interest margin | 4.8953% | 477 |
| Noninterest income to average assets | 1.1362% | 1,105 |
| Noninterest expense to average assets | 3.4499% | 1,908 |
| Loan and lease loss provision to assets | 0.1244% | 3,965 |
| Net operating income to assets | 1.1639% | 1,837 |
| Return on assets (ROA) | 1.1693% | 2,020 |
| Pretax return on assets | 1.8120% | 1,019 |
| Return on Equity (ROE) | 13.9719% | 1,127 |
| Retained earnings to average equity (ytd only) | 13.4765% | 394 |
| Net charge-offs to loans | 0.1172% | 4,000 |
| Credit loss provision to net charge-offs | 130.4348% | 2,104 |
| Earnings coverage of net charge-offs (x) | 20.2174% | 1,399 |
| Efficiency ratio | 64.1480% | 4,876 |
| Assets per employee ($millions) | 4.0873% | 3,687 |
| Cash dividends to net income (ytd only)* | 3.5461% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7528% | 6,754 |
| Loan loss allowance to noncurrent loans | 78.3641% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 0.9827% | 4,408 |
| Noncurrent loans to loans | 0.9606% | 4,587 |
| Net loans and leases to total assets | 79.8340% | 533 |
| Net loans and leases to deposits | 95.3003% | 672 |
| Net loans and leases to core deposits | 106.4570% | 722 |
| Total domestic deposits to total assets | 83.7710% | 4,413 |
| Equity capital to assets | 8.5753% | 6,142 |
| Core capital (leverage) ratio | 8.5121% | 5,637 |
| Tier 1 risk-based capital ratio | 13.3472% | 4,930 |
| Total risk-based capital ratio | 14.2967% | 5,130 |
| Memoranda: | ||
| Average total assets | $48,233,000 | 6,373 |
| Average earning assets | $41,795,330 | 6,416 |
| Average equity | $4,036,670 | 6,669 |
| Average total loans | $39,244,330 | 5,637 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0425% | 293 |
| Cost of funding earning assets | 1.3598% | 487 |
| Net interest margin | 4.6827% | 705 |
| Noninterest income to average assets | 0.3680% | 4,932 |
| Noninterest expense to average assets | 3.5211% | 1,714 |
| Loan and lease loss provision to assets | 0.1255% | 3,779 |
| Net operating income to assets | 0.5353% | 4,671 |
| Return on assets (ROA) | 0.5353% | 4,879 |
| Pretax return on assets | 0.8113% | 4,369 |
| Return on Equity (ROE) | 6.4777% | 4,054 |
| Retained earnings to average equity (ytd only) | 5.4656% | 3,284 |
| Net charge-offs to loans | 0.2453% | 2,704 |
| Credit loss provision to net charge-offs | 62.5000% | 3,063 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 2,525 |
| Efficiency ratio | 78.9869% | 2,355 |
| Assets per employee ($millions) | 4.3735% | 3,249 |
| Cash dividends to net income (ytd only)* | 15.6250% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6992% | 6,875 |
| Loan loss allowance to noncurrent loans | 75.4054% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 0.9832% | 4,540 |
| Noncurrent loans to loans | 0.9272% | 4,814 |
| Net loans and leases to total assets | 82.3647% | 254 |
| Net loans and leases to deposits | 99.4329% | 391 |
| Net loans and leases to core deposits | 109.7344% | 544 |
| Total domestic deposits to total assets | 82.8345% | 4,998 |
| Equity capital to assets | 8.2689% | 6,294 |
| Core capital (leverage) ratio | 8.2252% | 5,991 |
| Tier 1 risk-based capital ratio | 12.3730% | 5,703 |
| Total risk-based capital ratio | 13.2454% | 5,953 |
| Memoranda: | ||
| Average total assets | $47,825,500 | 6,439 |
| Average earning assets | $41,771,000 | 6,461 |
| Average equity | $3,952,000 | 6,731 |
| Average total loans | $39,139,500 | 5,677 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0106% | 424 |
| Cost of funding earning assets | 1.6433% | 403 |
| Net interest margin | 4.3673% | 1,484 |
| Noninterest income to average assets | 0.8795% | 1,745 |
| Noninterest expense to average assets | 3.4008% | 2,238 |
| Loan and lease loss provision to assets | 0.0937% | 5,426 |
| Net operating income to assets | 0.7517% | 3,254 |
| Return on assets (ROA) | 0.7517% | 3,421 |
| Pretax return on assets | 1.1883% | 2,499 |
| Return on Equity (ROE) | 9.4405% | 2,268 |
| Retained earnings to average equity (ytd only) | 8.9056% | 834 |
| Net charge-offs to loans | 0.0180% | 6,188 |
| Credit loss provision to net charge-offs | 628.5714% | 356 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 340 |
| Efficiency ratio | 72.6239% | 3,461 |
| Assets per employee ($millions) | 4.3221% | 3,212 |
| Cash dividends to net income (ytd only)* | 5.6657% | 3,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7531% | 6,830 |
| Loan loss allowance to noncurrent loans | 88.1098% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.9276% | 4,752 |
| Noncurrent loans to loans | 0.8547% | 4,984 |
| Net loans and leases to total assets | 80.1106% | 483 |
| Net loans and leases to deposits | 98.2535% | 544 |
| Net loans and leases to core deposits | 109.3920% | 640 |
| Total domestic deposits to total assets | 81.5346% | 5,283 |
| Equity capital to assets | 8.2578% | 6,381 |
| Core capital (leverage) ratio | 8.2134% | 5,970 |
| Tier 1 risk-based capital ratio | 12.3366% | 5,589 |
| Total risk-based capital ratio | 13.3177% | 5,772 |
| Memoranda: | ||
| Average total assets | $46,959,600 | 6,456 |
| Average earning assets | $40,894,400 | 6,496 |
| Average equity | $3,739,200 | 6,817 |
| Average total loans | $38,810,200 | 5,749 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0107% | 446 |
| Cost of funding earning assets | 1.6987% | 396 |
| Net interest margin | 4.3121% | 1,670 |
| Noninterest income to average assets | 0.9826% | 1,385 |
| Noninterest expense to average assets | 3.3607% | 2,309 |
| Loan and lease loss provision to assets | 0.1082% | 5,084 |
| Net operating income to assets | 0.8089% | 3,117 |
| Return on assets (ROA) | 0.8089% | 3,285 |
| Pretax return on assets | 1.2731% | 2,387 |
| Return on Equity (ROE) | 10.2548% | 2,117 |
| Retained earnings to average equity (ytd only) | 9.5326% | 975 |
| Net charge-offs to loans | 0.0240% | 5,813 |
| Credit loss provision to net charge-offs | 542.8571% | 505 |
| Earnings coverage of net charge-offs (x) | 69.3087% | 477 |
| Efficiency ratio | 70.8709% | 3,769 |
| Assets per employee ($millions) | 4.3132% | 3,251 |
| Cash dividends to net income (ytd only)* | 7.0433% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7224% | 6,934 |
| Loan loss allowance to noncurrent loans | 214.3939% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.5480% | 5,738 |
| Noncurrent loans to loans | 0.3369% | 6,175 |
| Net loans and leases to total assets | 81.9749% | 361 |
| Net loans and leases to deposits | 101.4768% | 412 |
| Net loans and leases to core deposits | 116.2026% | 491 |
| Total domestic deposits to total assets | 80.7820% | 5,506 |
| Equity capital to assets | 8.1463% | 6,603 |
| Core capital (leverage) ratio | 8.0862% | 6,301 |
| Tier 1 risk-based capital ratio | 12.0935% | 5,825 |
| Total risk-based capital ratio | 13.0511% | 6,027 |
| Memoranda: | ||
| Average total assets | $46,813,750 | 6,515 |
| Average earning assets | $40,814,750 | 6,553 |
| Average equity | $3,692,500 | 6,886 |
| Average total loans | $38,918,750 | 5,795 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9550% | 518 |
| Cost of funding earning assets | 1.7443% | 397 |
| Net interest margin | 4.2108% | 1,992 |
| Noninterest income to average assets | 0.6351% | 2,924 |
| Noninterest expense to average assets | 3.3002% | 2,562 |
| Loan and lease loss provision to assets | 0.1373% | 4,589 |
| Net operating income to assets | 0.5751% | 4,187 |
| Return on assets (ROA) | 0.5751% | 4,312 |
| Pretax return on assets | 0.8755% | 3,732 |
| Return on Equity (ROE) | 7.3728% | 3,253 |
| Retained earnings to average equity (ytd only) | 6.5475% | 2,114 |
| Net charge-offs to loans | 0.0412% | 5,275 |
| Credit loss provision to net charge-offs | 400.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 930 |
| Efficiency ratio | 76.5174% | 2,933 |
| Assets per employee ($millions) | 4.7305% | 2,502 |
| Cash dividends to net income (ytd only)* | 11.1940% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6570% | 7,080 |
| Loan loss allowance to noncurrent loans | 101.9455% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.8413% | 5,194 |
| Noncurrent loans to loans | 0.6445% | 5,636 |
| Net loans and leases to total assets | 83.7438% | 258 |
| Net loans and leases to deposits | 106.1495% | 260 |
| Net loans and leases to core deposits | 117.9615% | 474 |
| Total domestic deposits to total assets | 78.8923% | 6,110 |
| Equity capital to assets | 7.8322% | 6,784 |
| Core capital (leverage) ratio | 7.8029% | 6,508 |
| Tier 1 risk-based capital ratio | 11.8641% | 5,888 |
| Total risk-based capital ratio | 12.7635% | 6,143 |
| Memoranda: | ||
| Average total assets | $46,603,330 | 6,578 |
| Average earning assets | $40,705,000 | 6,609 |
| Average equity | $3,635,000 | 6,948 |
| Average total loans | $38,833,000 | 5,852 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9942% | 478 |
| Cost of funding earning assets | 1.7923% | 390 |
| Net interest margin | 4.2019% | 1,885 |
| Noninterest income to average assets | 0.5448% | 3,542 |
| Noninterest expense to average assets | 3.2863% | 2,611 |
| Loan and lease loss provision to assets | 0.1816% | 3,803 |
| Net operating income to assets | 0.4929% | 4,516 |
| Return on assets (ROA) | 0.4929% | 4,601 |
| Pretax return on assets | 0.7264% | 4,196 |
| Return on Equity (ROE) | 6.3333% | 3,710 |
| Retained earnings to average equity (ytd only) | 5.2222% | 3,049 |
| Net charge-offs to loans | 0.0940% | 4,002 |
| Credit loss provision to net charge-offs | 233.3333% | 1,316 |
| Earnings coverage of net charge-offs (x) | 11.6667% | 1,537 |
| Efficiency ratio | 78.3505% | 2,793 |
| Assets per employee ($millions) | 4.6406% | 2,672 |
| Cash dividends to net income (ytd only)* | 17.5439% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6574% | 7,130 |
| Loan loss allowance to noncurrent loans | 204.9180% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.6271% | 5,701 |
| Noncurrent loans to loans | 0.3208% | 6,350 |
| Net loans and leases to total assets | 81.4097% | 399 |
| Net loans and leases to deposits | 105.6430% | 261 |
| Net loans and leases to core deposits | 120.7190% | 405 |
| Total domestic deposits to total assets | 77.0612% | 6,528 |
| Equity capital to assets | 7.8180% | 6,664 |
| Core capital (leverage) ratio | 7.7961% | 6,468 |
| Tier 1 risk-based capital ratio | 12.0818% | 5,618 |
| Total risk-based capital ratio | 12.9697% | 5,927 |
| Memoranda: | ||
| Average total assets | $46,252,500 | 6,632 |
| Average earning assets | $40,172,500 | 6,682 |
| Average equity | $3,600,000 | 6,989 |
| Average total loans | $38,311,000 | 5,926 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2137% | 545 |
| Cost of funding earning assets | 2.0121% | 582 |
| Net interest margin | 4.2016% | 2,181 |
| Noninterest income to average assets | 0.7390% | 2,600 |
| Noninterest expense to average assets | 3.2351% | 2,962 |
| Loan and lease loss provision to assets | 0.1548% | 5,657 |
| Net operating income to assets | 0.6998% | 3,229 |
| Return on assets (ROA) | 0.6998% | 3,357 |
| Pretax return on assets | 1.0137% | 2,885 |
| Return on Equity (ROE) | 9.3662% | 2,153 |
| Retained earnings to average equity (ytd only) | 8.9286% | 726 |
| Net charge-offs to loans | 0.0157% | 6,665 |
| Credit loss provision to net charge-offs | 1,183.3333% | 196 |
| Earnings coverage of net charge-offs (x) | 89.3333% | 276 |
| Efficiency ratio | 73.4653% | 3,495 |
| Assets per employee ($millions) | 4.6099% | 2,686 |
| Cash dividends to net income (ytd only)* | 4.6729% | 3,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6167% | 7,240 |
| Loan loss allowance to noncurrent loans | 1,133.3333% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.5423% | 5,944 |
| Noncurrent loans to loans | 0.0544% | 6,990 |
| Net loans and leases to total assets | 83.2014% | 364 |
| Net loans and leases to deposits | 112.2082% | 200 |
| Net loans and leases to core deposits | 127.1591% | 368 |
| Total domestic deposits to total assets | 74.1491% | 6,872 |
| Equity capital to assets | 7.7485% | 6,711 |
| Core capital (leverage) ratio | 7.7445% | 6,501 |
| Tier 1 risk-based capital ratio | 11.4655% | 5,936 |
| Total risk-based capital ratio | 12.2298% | 6,313 |
| Memoranda: | ||
| Average total assets | $45,871,400 | 6,669 |
| Average earning assets | $40,008,600 | 6,716 |
| Average equity | $3,427,200 | 7,151 |
| Average total loans | $38,220,600 | 6,000 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2425% | 565 |
| Cost of funding earning assets | 2.0485% | 642 |
| Net interest margin | 4.1940% | 2,237 |
| Noninterest income to average assets | 0.7305% | 2,639 |
| Noninterest expense to average assets | 3.2071% | 2,904 |
| Loan and lease loss provision to assets | 0.1455% | 5,581 |
| Net operating income to assets | 0.7072% | 3,376 |
| Return on assets (ROA) | 0.7072% | 3,528 |
| Pretax return on assets | 1.0302% | 3,072 |
| Return on Equity (ROE) | 9.5544% | 2,301 |
| Retained earnings to average equity (ytd only) | 8.9646% | 1,067 |
| Net charge-offs to loans | 0.0210% | 6,382 |
| Credit loss provision to net charge-offs | 833.3333% | 358 |
| Earnings coverage of net charge-offs (x) | 67.3313% | 448 |
| Efficiency ratio | 73.1740% | 3,487 |
| Assets per employee ($millions) | 4.7039% | 2,589 |
| Cash dividends to net income (ytd only)* | 6.1730% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5282% | 7,427 |
| Loan loss allowance to noncurrent loans | 153.0303% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.7674% | 5,569 |
| Noncurrent loans to loans | 0.3452% | 6,507 |
| Net loans and leases to total assets | 80.8669% | 632 |
| Net loans and leases to deposits | 108.2683% | 293 |
| Net loans and leases to core deposits | 122.1901% | 553 |
| Total domestic deposits to total assets | 74.6912% | 6,828 |
| Equity capital to assets | 7.4661% | 7,148 |
| Core capital (leverage) ratio | 7.4484% | 6,882 |
| Tier 1 risk-based capital ratio | 11.4194% | 6,002 |
| Total risk-based capital ratio | 12.0778% | 6,500 |
| Memoranda: | ||
| Average total assets | $45,814,500 | 6,749 |
| Average earning assets | $39,897,250 | 6,799 |
| Average equity | $3,391,000 | 7,256 |
| Average total loans | $38,127,500 | 6,089 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2686% | 544 |
| Cost of funding earning assets | 2.0358% | 807 |
| Net interest margin | 4.2328% | 2,048 |
| Noninterest income to average assets | 0.6343% | 3,099 |
| Noninterest expense to average assets | 3.2286% | 2,802 |
| Loan and lease loss provision to assets | 0.1277% | 5,606 |
| Net operating income to assets | 0.6607% | 3,580 |
| Return on assets (ROA) | 0.6607% | 3,732 |
| Pretax return on assets | 0.9778% | 3,210 |
| Return on Equity (ROE) | 8.9534% | 2,487 |
| Retained earnings to average equity (ytd only) | 8.3565% | 1,313 |
| Net charge-offs to loans | 0.0315% | 5,900 |
| Credit loss provision to net charge-offs | 483.3333% | 769 |
| Earnings coverage of net charge-offs (x) | 41.8333% | 701 |
| Efficiency ratio | 74.4919% | 3,375 |
| Assets per employee ($millions) | 4.6410% | 2,666 |
| Cash dividends to net income (ytd only)* | 6.6667% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5306% | 7,481 |
| Loan loss allowance to noncurrent loans | 226.0870% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.5559% | 6,084 |
| Noncurrent loans to loans | 0.2347% | 6,767 |
| Net loans and leases to total assets | 84.0164% | 353 |
| Net loans and leases to deposits | 119.8205% | 120 |
| Net loans and leases to core deposits | 119.8205% | 703 |
| Total domestic deposits to total assets | 70.1185% | 7,320 |
| Equity capital to assets | 7.3734% | 7,180 |
| Core capital (leverage) ratio | 7.3594% | 6,946 |
| Tier 1 risk-based capital ratio | 11.1660% | 6,077 |
| Total risk-based capital ratio | 11.8461% | 6,611 |
| Memoranda: | ||
| Average total assets | $45,406,330 | 6,814 |
| Average earning assets | $39,689,670 | 6,855 |
| Average equity | $3,350,670 | 7,313 |
| Average total loans | $38,089,670 | 6,129 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2077% | 633 |
| Cost of funding earning assets | 2.0150% | 1,031 |
| Net interest margin | 4.1927% | 2,068 |
| Noninterest income to average assets | 0.6948% | 2,635 |
| Noninterest expense to average assets | 3.3493% | 2,375 |
| Loan and lease loss provision to assets | 0.1247% | 5,331 |
| Net operating income to assets | 0.6592% | 3,618 |
| Return on assets (ROA) | 0.6592% | 3,730 |
| Pretax return on assets | 0.8908% | 3,502 |
| Return on Equity (ROE) | 8.9291% | 2,521 |
| Retained earnings to average equity (ytd only) | 8.9291% | 1,420 |
| Net charge-offs to loans | 0.0533% | 4,874 |
| Credit loss provision to net charge-offs | 280.0000% | 1,418 |
| Earnings coverage of net charge-offs (x) | 22.8000% | 1,076 |
| Efficiency ratio | 76.7347% | 3,101 |
| Assets per employee ($millions) | 4.4725% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5176% | 7,578 |
| Loan loss allowance to noncurrent loans | 204.2105% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.6551% | 5,880 |
| Noncurrent loans to loans | 0.2535% | 6,831 |
| Net loans and leases to total assets | 83.3717% | 450 |
| Net loans and leases to deposits | 123.4498% | 110 |
| Net loans and leases to core deposits | 123.4498% | 660 |
| Total domestic deposits to total assets | 67.5349% | 7,552 |
| Equity capital to assets | 7.4925% | 7,080 |
| Core capital (leverage) ratio | 7.4864% | 6,868 |
| Tier 1 risk-based capital ratio | 11.2183% | 5,934 |
| Total risk-based capital ratio | 11.8684% | 6,517 |
| Memoranda: | ||
| Average total assets | $44,904,500 | 6,917 |
| Average earning assets | $39,306,000 | 6,958 |
| Average equity | $3,315,000 | 7,401 |
| Average total loans | $37,534,500 | 6,232 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3076% | 1,011 |
| Cost of funding earning assets | 2.5472% | 901 |
| Net interest margin | 3.7603% | 3,869 |
| Noninterest income to average assets | 0.5178% | 4,277 |
| Noninterest expense to average assets | 3.1223% | 3,641 |
| Loan and lease loss provision to assets | 0.1071% | 6,571 |
| Net operating income to assets | 0.3727% | 4,238 |
| Return on assets (ROA) | 0.3727% | 4,338 |
| Pretax return on assets | 0.5468% | 4,059 |
| Return on Equity (ROE) | 5.3355% | 3,512 |
| Retained earnings to average equity (ytd only) | 4.5048% | 2,102 |
| Net charge-offs to loans | 0.0300% | 6,828 |
| Credit loss provision to net charge-offs | 436.3636% | 718 |
| Earnings coverage of net charge-offs (x) | 26.6364% | 846 |
| Efficiency ratio | 82.6832% | 2,525 |
| Assets per employee ($millions) | 5.0093% | 2,205 |
| Cash dividends to net income (ytd only)* | 15.5689% | 3,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4922% | 7,672 |
| Loan loss allowance to noncurrent loans | 3,083.3333% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.4525% | 6,323 |
| Noncurrent loans to loans | 0.0160% | 7,397 |
| Net loans and leases to total assets | 82.9607% | 552 |
| Net loans and leases to deposits | 126.3069% | 113 |
| Net loans and leases to core deposits | 199.6370% | 103 |
| Total domestic deposits to total assets | 65.6818% | 7,653 |
| Equity capital to assets | 7.2731% | 7,218 |
| Core capital (leverage) ratio | 7.2628% | 7,019 |
| Tier 1 risk-based capital ratio | 10.9093% | 6,000 |
| Total risk-based capital ratio | 11.5258% | 6,583 |
| Memoranda: | ||
| Average total assets | $44,807,000 | 6,918 |
| Average earning assets | $38,826,200 | 6,988 |
| Average equity | $3,130,000 | 7,557 |
| Average total loans | $36,646,400 | 6,272 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3142% | 1,104 |
| Cost of funding earning assets | 2.6623% | 882 |
| Net interest margin | 3.6520% | 4,265 |
| Noninterest income to average assets | 0.5335% | 4,209 |
| Noninterest expense to average assets | 3.0458% | 3,855 |
| Loan and lease loss provision to assets | 0.1013% | 6,355 |
| Net operating income to assets | 0.3725% | 4,506 |
| Return on assets (ROA) | 0.3725% | 4,611 |
| Pretax return on assets | 0.5424% | 4,392 |
| Return on Equity (ROE) | 5.3887% | 3,794 |
| Retained earnings to average equity (ytd only) | 5.3887% | 2,260 |
| Net charge-offs to loans | 0.0403% | 6,342 |
| Credit loss provision to net charge-offs | 309.0909% | 1,333 |
| Earnings coverage of net charge-offs (x) | 19.6312% | 1,278 |
| Efficiency ratio | 82.5525% | 2,506 |
| Assets per employee ($millions) | 4.8654% | 2,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4657% | 7,753 |
| Loan loss allowance to noncurrent loans | 814.2857% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.6942% | 5,747 |
| Noncurrent loans to loans | 0.0572% | 7,363 |
| Net loans and leases to total assets | 83.4662% | 610 |
| Net loans and leases to deposits | 116.0323% | 271 |
| Net loans and leases to core deposits | 181.3126% | 179 |
| Total domestic deposits to total assets | 71.9336% | 7,220 |
| Equity capital to assets | 7.2210% | 7,470 |
| Core capital (leverage) ratio | 7.2125% | 7,258 |
| Tier 1 risk-based capital ratio | 10.8616% | 6,096 |
| Total risk-based capital ratio | 11.4663% | 6,704 |
| Memoranda: | ||
| Average total assets | $44,737,750 | 6,973 |
| Average earning assets | $38,663,000 | 7,046 |
| Average equity | $3,092,750 | 7,634 |
| Average total loans | $36,411,250 | 6,323 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3261% | 1,147 |
| Cost of funding earning assets | 2.7561% | 893 |
| Net interest margin | 3.5700% | 4,499 |
| Noninterest income to average assets | 0.5815% | 3,827 |
| Noninterest expense to average assets | 3.1163% | 3,636 |
| Loan and lease loss provision to assets | 0.0932% | 6,235 |
| Net operating income to assets | 0.2619% | 5,040 |
| Return on assets (ROA) | 0.2619% | 5,138 |
| Pretax return on assets | 0.4484% | 4,795 |
| Return on Equity (ROE) | 3.8441% | 4,564 |
| Retained earnings to average equity (ytd only) | 3.8441% | 3,153 |
| Net charge-offs to loans | 0.0606% | 5,656 |
| Credit loss provision to net charge-offs | 190.9091% | 2,398 |
| Earnings coverage of net charge-offs (x) | 11.0909% | 1,937 |
| Efficiency ratio | 85.1942% | 2,334 |
| Assets per employee ($millions) | 4.7963% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4430% | 7,852 |
| Loan loss allowance to noncurrent loans | 99.3711% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 1.0239% | 4,927 |
| Noncurrent loans to loans | 0.4459% | 6,406 |
| Net loans and leases to total assets | 82.2480% | 914 |
| Net loans and leases to deposits | 113.6128% | 415 |
| Net loans and leases to core deposits | 183.8633% | 191 |
| Total domestic deposits to total assets | 72.3933% | 7,201 |
| Equity capital to assets | 7.1629% | 7,510 |
| Core capital (leverage) ratio | 7.1607% | 7,394 |
| Tier 1 risk-based capital ratio | 10.8339% | 6,049 |
| Total risk-based capital ratio | 11.4035% | 6,695 |
| Memoranda: | ||
| Average total assets | $45,054,000 | 7,017 |
| Average earning assets | $38,823,330 | 7,099 |
| Average equity | $3,069,670 | 7,707 |
| Average total loans | $36,308,330 | 6,389 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2853% | 1,344 |
| Cost of funding earning assets | 2.8837% | 802 |
| Net interest margin | 3.4016% | 5,133 |
| Noninterest income to average assets | 0.4522% | 4,747 |
| Noninterest expense to average assets | 2.7741% | 4,683 |
| Loan and lease loss provision to assets | 0.0870% | 5,848 |
| Net operating income to assets | 0.3565% | 5,039 |
| Return on assets (ROA) | 0.3565% | 5,225 |
| Pretax return on assets | 0.5044% | 5,067 |
| Return on Equity (ROE) | 5.3621% | 4,306 |
| Retained earnings to average equity (ytd only) | 5.3621% | 2,929 |
| Net charge-offs to loans | 0.0328% | 5,056 |
| Credit loss provision to net charge-offs | 333.3333% | 1,485 |
| Earnings coverage of net charge-offs (x) | 22.6667% | 1,306 |
| Efficiency ratio | 82.4289% | 2,481 |
| Assets per employee ($millions) | 5.0122% | 2,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4273% | 7,916 |
| Loan loss allowance to noncurrent loans | 39.6419% | 5,906 |
| Noncurrent assets plus other real estate owned to assets | 1.2370% | 4,211 |
| Noncurrent loans to loans | 1.0780% | 4,824 |
| Net loans and leases to total assets | 80.0643% | 1,378 |
| Net loans and leases to deposits | 110.8802% | 570 |
| Net loans and leases to core deposits | 163.2702% | 446 |
| Total domestic deposits to total assets | 72.2079% | 7,175 |
| Equity capital to assets | 6.8278% | 7,756 |
| Core capital (leverage) ratio | 6.8154% | 7,758 |
| Tier 1 risk-based capital ratio | 10.7457% | 6,144 |
| Total risk-based capital ratio | 11.3004% | 6,773 |
| Memoranda: | ||
| Average total assets | $45,997,500 | 7,027 |
| Average earning assets | $39,393,500 | 7,114 |
| Average equity | $3,058,500 | 7,761 |
| Average total loans | $36,631,500 | 6,405 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9184% | 1,351 |
| Cost of funding earning assets | 3.5329% | 475 |
| Net interest margin | 3.3854% | 5,720 |
| Noninterest income to average assets | 0.4571% | 4,982 |
| Noninterest expense to average assets | 2.7745% | 4,931 |
| Loan and lease loss provision to assets | 0.0543% | 6,735 |
| Net operating income to assets | 0.3666% | 5,288 |
| Return on assets (ROA) | 0.3666% | 5,087 |
| Pretax return on assets | 0.5363% | 4,893 |
| Return on Equity (ROE) | 5.4926% | 4,164 |
| Retained earnings to average equity (ytd only) | 5.4926% | 1,770 |
| Net charge-offs to loans | 0.0276% | 6,439 |
| Credit loss provision to net charge-offs | 240.0000% | 1,952 |
| Earnings coverage of net charge-offs (x) | 26.1000% | 1,305 |
| Efficiency ratio | 82.4479% | 2,246 |
| Assets per employee ($millions) | 5.2094% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3974% | 7,978 |
| Loan loss allowance to noncurrent loans | 93.0380% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 0.6932% | 5,142 |
| Noncurrent loans to loans | 0.4271% | 6,059 |
| Net loans and leases to total assets | 78.5838% | 1,982 |
| Net loans and leases to deposits | 113.7512% | 620 |
| Net loans and leases to core deposits | 169.9055% | 400 |
| Total domestic deposits to total assets | 69.0839% | 7,376 |
| Equity capital to assets | 6.4776% | 7,946 |
| Core capital (leverage) ratio | 6.4696% | 7,946 |
| Tier 1 risk-based capital ratio | 10.3078% | 6,408 |
| Total risk-based capital ratio | 10.8173% | 7,142 |
| Memoranda: | ||
| Average total assets | $44,187,600 | 7,020 |
| Average earning assets | $37,957,000 | 7,142 |
| Average equity | $2,949,400 | 7,851 |
| Average total loans | $36,193,200 | 6,353 |