Home > Elk State Bank > Performance and Condition Ratios
Elk State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2527% | 3,520 |
| Cost of funding earning assets | 1.7056% | 1,442 |
| Net interest margin | 2.5471% | 4,039 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.1898% | 3,156 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.3965% | 3,879 |
| Return on assets (ROA) | 0.4118% | 3,842 |
| Pretax return on assets | 0.4236% | 3,927 |
| Return on Equity (ROE) | 6.2300% | 3,478 |
| Retained earnings to average equity (ytd only) | -0.3215% | 4,127 |
| Net charge-offs to loans | 0.0079% | 2,374 |
| Credit loss provision to net charge-offs | 620.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 109.8000% | 857 |
| Efficiency ratio | 83.5135% | 688 |
| Assets per employee ($millions) | 7.7791% | 1,549 |
| Cash dividends to net income (ytd only)* | 105.1625% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6073% | 823 |
| Loan loss allowance to noncurrent loans | 11,977.7778% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 3,754 |
| Noncurrent loans to loans | 0.0134% | 3,653 |
| Net loans and leases to total assets | 49.9000% | 3,600 |
| Net loans and leases to deposits | 68.8979% | 2,960 |
| Net loans and leases to core deposits | 74.9424% | 3,032 |
| Total domestic deposits to total assets | 72.4300% | 4,206 |
| Equity capital to assets | 6.5175% | 4,106 |
| Core capital (leverage) ratio | 8.2149% | 4,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8424% | 1,308 |
| Memoranda: | ||
| Average total assets | $126,999,200 | 3,577 |
| Average earning assets | $120,605,800 | 3,540 |
| Average equity | $8,397,200 | 3,890 |
| Average total loans | $63,009,800 | 3,665 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1905% | 3,489 |
| Cost of funding earning assets | 1.5815% | 1,407 |
| Net interest margin | 2.6090% | 4,020 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.2022% | 3,065 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.4520% | 3,863 |
| Return on assets (ROA) | 0.4646% | 3,839 |
| Pretax return on assets | 0.4699% | 3,953 |
| Return on Equity (ROE) | 7.0000% | 3,432 |
| Retained earnings to average equity (ytd only) | 2.2057% | 3,688 |
| Net charge-offs to loans | 0.0129% | 1,931 |
| Credit loss provision to net charge-offs | 383.3333% | 740 |
| Earnings coverage of net charge-offs (x) | 75.6667% | 1,077 |
| Efficiency ratio | 82.0553% | 729 |
| Assets per employee ($millions) | 7.2923% | 1,757 |
| Cash dividends to net income (ytd only)* | 68.4932% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7384% | 656 |
| Loan loss allowance to noncurrent loans | 11,888.8889% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 3,783 |
| Noncurrent loans to loans | 0.0146% | 3,690 |
| Net loans and leases to total assets | 48.7900% | 3,695 |
| Net loans and leases to deposits | 65.5624% | 3,166 |
| Net loans and leases to core deposits | 68.7656% | 3,284 |
| Total domestic deposits to total assets | 74.4100% | 4,132 |
| Equity capital to assets | 6.5500% | 3,815 |
| Core capital (leverage) ratio | 8.4536% | 4,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0627% | 1,086 |
| Memoranda: | ||
| Average total assets | $125,688,000 | 3,610 |
| Average earning assets | $119,379,500 | 3,567 |
| Average equity | $8,341,750 | 3,895 |
| Average total loans | $61,995,500 | 3,687 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0524% | 3,580 |
| Cost of funding earning assets | 1.3658% | 1,538 |
| Net interest margin | 2.6866% | 3,992 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.1448% | 3,233 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.5924% | 3,593 |
| Return on assets (ROA) | 0.6067% | 3,566 |
| Pretax return on assets | 0.6035% | 3,797 |
| Return on Equity (ROE) | 9.1000% | 2,960 |
| Retained earnings to average equity (ytd only) | 1.9725% | 3,732 |
| Net charge-offs to loans | 0.0225% | 1,431 |
| Credit loss provision to net charge-offs | 228.5714% | 991 |
| Earnings coverage of net charge-offs (x) | 55.4286% | 1,230 |
| Efficiency ratio | 77.7268% | 1,021 |
| Assets per employee ($millions) | 7.4571% | 1,627 |
| Cash dividends to net income (ytd only)* | 78.3290% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6777% | 785 |
| Loan loss allowance to noncurrent loans | 10,610.0000% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 3,776 |
| Noncurrent loans to loans | 0.0158% | 3,656 |
| Net loans and leases to total assets | 49.0500% | 3,614 |
| Net loans and leases to deposits | 65.8355% | 3,070 |
| Net loans and leases to core deposits | 70.7551% | 3,083 |
| Total domestic deposits to total assets | 74.5000% | 4,160 |
| Equity capital to assets | 6.6222% | 3,940 |
| Core capital (leverage) ratio | 8.5033% | 4,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9136% | 1,140 |
| Memoranda: | ||
| Average total assets | $126,261,000 | 3,612 |
| Average earning assets | $119,930,333 | 3,570 |
| Average equity | $8,415,667 | 3,914 |
| Average total loans | $62,144,000 | 3,688 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0181% | 3,418 |
| Cost of funding earning assets | 1.2278% | 1,385 |
| Net interest margin | 2.7903% | 3,955 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.2221% | 3,037 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.5649% | 3,761 |
| Return on assets (ROA) | 0.5619% | 3,735 |
| Pretax return on assets | 0.6000% | 3,838 |
| Return on Equity (ROE) | 8.4000% | 3,203 |
| Retained earnings to average equity (ytd only) | 8.4026% | 2,115 |
| Net charge-offs to loans | 0.0584% | 790 |
| Credit loss provision to net charge-offs | 88.8889% | 1,180 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,428 |
| Efficiency ratio | 77.9510% | 1,009 |
| Assets per employee ($millions) | 7.3638% | 1,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7360% | 742 |
| Loan loss allowance to noncurrent loans | 10,510.0000% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 3,795 |
| Noncurrent loans to loans | 0.0165% | 3,680 |
| Net loans and leases to total assets | 47.5200% | 3,663 |
| Net loans and leases to deposits | 60.9468% | 3,279 |
| Net loans and leases to core deposits | 62.0686% | 3,443 |
| Total domestic deposits to total assets | 77.9700% | 4,013 |
| Equity capital to assets | 6.9002% | 3,874 |
| Core capital (leverage) ratio | 8.3891% | 4,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3372% | 1,101 |
| Memoranda: | ||
| Average total assets | $126,006,000 | 3,659 |
| Average earning assets | $119,559,000 | 3,614 |
| Average equity | $8,426,000 | 3,960 |
| Average total loans | $61,595,000 | 3,736 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6090% | 2,778 |
| Cost of funding earning assets | 0.6530% | 707 |
| Net interest margin | 2.9560% | 3,557 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 2.1915% | 3,053 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.7432% | 3,499 |
| Return on assets (ROA) | 0.7386% | 3,452 |
| Pretax return on assets | 0.7978% | 3,631 |
| Return on Equity (ROE) | 10.2500% | 2,734 |
| Retained earnings to average equity (ytd only) | 5.6230% | 2,779 |
| Net charge-offs to loans | -0.0429% | 4,310 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.5642% | 1,377 |
| Assets per employee ($millions) | 7.4604% | 1,642 |
| Cash dividends to net income (ytd only)* | 45.1467% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6792% | 825 |
| Loan loss allowance to noncurrent loans | 9,563.6364% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 3,816 |
| Noncurrent loans to loans | 0.0176% | 3,709 |
| Net loans and leases to total assets | 48.5700% | 3,628 |
| Net loans and leases to deposits | 66.4008% | 2,865 |
| Net loans and leases to core deposits | 67.3283% | 3,047 |
| Total domestic deposits to total assets | 73.1400% | 4,382 |
| Equity capital to assets | 6.4765% | 3,910 |
| Core capital (leverage) ratio | 8.4584% | 4,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6528% | 1,198 |
| Memoranda: | ||
| Average total assets | $119,961,600 | 3,732 |
| Average earning assets | $114,548,200 | 3,683 |
| Average equity | $8,643,000 | 4,031 |
| Average total loans | $58,275,600 | 3,762 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5413% | 2,488 |
| Cost of funding earning assets | 0.5814% | 483 |
| Net interest margin | 2.9599% | 3,327 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 2.1458% | 3,085 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.7871% | 3,310 |
| Return on assets (ROA) | 0.8006% | 3,220 |
| Pretax return on assets | 0.8727% | 3,408 |
| Return on Equity (ROE) | 10.8200% | 2,458 |
| Retained earnings to average equity (ytd only) | 7.7710% | 2,094 |
| Net charge-offs to loans | -0.0490% | 4,305 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.8225% | 1,662 |
| Assets per employee ($millions) | 7.7001% | 1,485 |
| Cash dividends to net income (ytd only)* | 28.1690% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 874 |
| Loan loss allowance to noncurrent loans | 9,454.5455% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 3,908 |
| Noncurrent loans to loans | 0.0180% | 3,795 |
| Net loans and leases to total assets | 48.8100% | 3,547 |
| Net loans and leases to deposits | 60.7062% | 3,134 |
| Net loans and leases to core deposits | 63.3767% | 3,166 |
| Total domestic deposits to total assets | 80.4000% | 4,062 |
| Equity capital to assets | 6.4042% | 3,791 |
| Core capital (leverage) ratio | 8.8256% | 3,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9901% | 1,178 |
| Memoranda: | ||
| Average total assets | $118,245,250 | 3,771 |
| Average earning assets | $113,063,250 | 3,719 |
| Average equity | $8,750,250 | 4,065 |
| Average total loans | $57,182,000 | 3,802 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4582% | 2,267 |
| Cost of funding earning assets | 0.5653% | 355 |
| Net interest margin | 2.8929% | 3,192 |
| Noninterest income to average assets | 0.2007% | 3,993 |
| Noninterest expense to average assets | 2.1288% | 3,067 |
| Loan and lease loss provision to assets | 0.0257% | 2,140 |
| Net operating income to assets | 0.7574% | 3,118 |
| Return on assets (ROA) | 0.7702% | 3,026 |
| Pretax return on assets | 0.8251% | 3,263 |
| Return on Equity (ROE) | 9.9369% | 2,359 |
| Retained earnings to average equity (ytd only) | 5.5107% | 2,506 |
| Net charge-offs to loans | -0.0466% | 4,211 |
| Credit loss provision to net charge-offs | -115.3846% | 3,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7756% | 1,750 |
| Assets per employee ($millions) | 7.4423% | 1,651 |
| Cash dividends to net income (ytd only)* | 44.5434% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8093% | 806 |
| Loan loss allowance to noncurrent loans | 8,533.3333% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 3,929 |
| Noncurrent loans to loans | 0.0212% | 3,807 |
| Net loans and leases to total assets | 46.6706% | 3,666 |
| Net loans and leases to deposits | 54.3798% | 3,512 |
| Net loans and leases to core deposits | 55.3553% | 3,623 |
| Total domestic deposits to total assets | 85.8235% | 3,295 |
| Equity capital to assets | 6.7335% | 3,920 |
| Core capital (leverage) ratio | 8.8011% | 3,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5855% | 1,055 |
| Memoranda: | ||
| Average total assets | $116,593,333 | 3,829 |
| Average earning assets | $111,446,667 | 3,787 |
| Average equity | $9,037,000 | 4,099 |
| Average total loans | $55,851,000 | 3,867 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3910% | 2,113 |
| Cost of funding earning assets | 0.5688% | 318 |
| Net interest margin | 2.8222% | 3,068 |
| Noninterest income to average assets | 0.2046% | 3,935 |
| Noninterest expense to average assets | 2.2540% | 2,669 |
| Loan and lease loss provision to assets | 0.0277% | 1,868 |
| Net operating income to assets | 0.5823% | 3,458 |
| Return on assets (ROA) | 0.5791% | 3,445 |
| Pretax return on assets | 0.6207% | 3,577 |
| Return on Equity (ROE) | 6.9973% | 3,042 |
| Retained earnings to average equity (ytd only) | 6.9973% | 1,894 |
| Net charge-offs to loans | -0.0216% | 3,954 |
| Credit loss provision to net charge-offs | -266.6667% | 3,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5656% | 1,351 |
| Assets per employee ($millions) | 7.9018% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8561% | 800 |
| Loan loss allowance to noncurrent loans | 8,391.6667% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 3,965 |
| Noncurrent loans to loans | 0.0221% | 3,833 |
| Net loans and leases to total assets | 44.9231% | 3,666 |
| Net loans and leases to deposits | 52.5824% | 3,529 |
| Net loans and leases to core deposits | 53.3912% | 3,640 |
| Total domestic deposits to total assets | 85.4337% | 3,423 |
| Equity capital to assets | 7.0195% | 4,205 |
| Core capital (leverage) ratio | 8.8553% | 3,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2508% | 1,008 |
| Memoranda: | ||
| Average total assets | $115,351,500 | 3,859 |
| Average earning assets | $110,410,000 | 3,815 |
| Average equity | $9,546,500 | 4,107 |
| Average total loans | $55,477,500 | 3,878 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2239% | 956 |
| Cost of funding earning assets | 0.6203% | 497 |
| Net interest margin | 3.6036% | 1,459 |
| Noninterest income to average assets | 0.1969% | 4,179 |
| Noninterest expense to average assets | 2.3911% | 2,517 |
| Loan and lease loss provision to assets | 0.0285% | 2,486 |
| Net operating income to assets | 1.0342% | 2,542 |
| Return on assets (ROA) | 0.9734% | 2,844 |
| Pretax return on assets | 1.1224% | 2,898 |
| Return on Equity (ROE) | 9.8351% | 2,589 |
| Retained earnings to average equity (ytd only) | 1.7012% | 4,071 |
| Net charge-offs to loans | -0.0476% | 4,311 |
| Credit loss provision to net charge-offs | -114.8148% | 3,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6139% | 2,317 |
| Assets per employee ($millions) | 7.0110% | 1,919 |
| Cash dividends to net income (ytd only)* | 82.7032% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7566% | 937 |
| Loan loss allowance to noncurrent loans | 7,661.5385% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 4,027 |
| Noncurrent loans to loans | 0.0229% | 3,904 |
| Net loans and leases to total assets | 49.6595% | 3,327 |
| Net loans and leases to deposits | 62.6939% | 2,810 |
| Net loans and leases to core deposits | 63.7930% | 2,998 |
| Total domestic deposits to total assets | 79.2095% | 4,291 |
| Equity capital to assets | 9.6037% | 3,043 |
| Core capital (leverage) ratio | 9.1355% | 3,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8811% | 1,073 |
| Memoranda: | ||
| Average total assets | $108,693,800 | 3,908 |
| Average earning assets | $103,008,600 | 3,876 |
| Average equity | $10,757,400 | 4,063 |
| Average total loans | $56,749,200 | 3,879 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4536% | 733 |
| Cost of funding earning assets | 0.6267% | 552 |
| Net interest margin | 3.8268% | 1,064 |
| Noninterest income to average assets | 0.1941% | 4,230 |
| Noninterest expense to average assets | 2.3742% | 2,522 |
| Loan and lease loss provision to assets | 0.0288% | 2,422 |
| Net operating income to assets | 1.2157% | 2,113 |
| Return on assets (ROA) | 1.1253% | 2,524 |
| Pretax return on assets | 1.3108% | 2,597 |
| Return on Equity (ROE) | 11.2829% | 2,280 |
| Retained earnings to average equity (ytd only) | 4.1536% | 3,528 |
| Net charge-offs to loans | -0.0517% | 4,373 |
| Credit loss provision to net charge-offs | -104.5455% | 3,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4313% | 2,776 |
| Assets per employee ($millions) | 6.8625% | 1,965 |
| Cash dividends to net income (ytd only)* | 63.1868% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7451% | 1,019 |
| Loan loss allowance to noncurrent loans | 7,021.4286% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 4,138 |
| Noncurrent loans to loans | 0.0249% | 4,016 |
| Net loans and leases to total assets | 50.4053% | 3,360 |
| Net loans and leases to deposits | 62.5664% | 2,990 |
| Net loans and leases to core deposits | 65.1769% | 3,022 |
| Total domestic deposits to total assets | 80.5628% | 4,157 |
| Equity capital to assets | 9.9754% | 2,929 |
| Core capital (leverage) ratio | 9.6806% | 2,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6676% | 1,013 |
| Memoranda: | ||
| Average total assets | $107,823,250 | 3,965 |
| Average earning assets | $102,118,000 | 3,930 |
| Average equity | $10,753,500 | 4,116 |
| Average total loans | $56,761,000 | 3,931 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4238% | 829 |
| Cost of funding earning assets | 0.6354% | 621 |
| Net interest margin | 3.7885% | 1,156 |
| Noninterest income to average assets | 0.1866% | 4,270 |
| Noninterest expense to average assets | 2.3179% | 2,708 |
| Loan and lease loss provision to assets | 0.0280% | 2,422 |
| Net operating income to assets | 1.2151% | 2,130 |
| Return on assets (ROA) | 1.0787% | 2,681 |
| Pretax return on assets | 1.2635% | 2,730 |
| Return on Equity (ROE) | 10.8169% | 2,492 |
| Retained earnings to average equity (ytd only) | 2.8633% | 3,884 |
| Net charge-offs to loans | -0.0668% | 4,485 |
| Credit loss provision to net charge-offs | -78.9474% | 3,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3465% | 2,968 |
| Assets per employee ($millions) | 6.8263% | 1,927 |
| Cash dividends to net income (ytd only)* | 73.5294% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 998 |
| Loan loss allowance to noncurrent loans | 6,942.8571% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 4,209 |
| Noncurrent loans to loans | 0.0250% | 4,096 |
| Net loans and leases to total assets | 50.4578% | 3,507 |
| Net loans and leases to deposits | 62.2839% | 3,170 |
| Net loans and leases to core deposits | 63.9394% | 3,291 |
| Total domestic deposits to total assets | 81.0126% | 4,091 |
| Equity capital to assets | 9.8920% | 2,956 |
| Core capital (leverage) ratio | 9.2656% | 3,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9892% | 965 |
| Memoranda: | ||
| Average total assets | $107,164,333 | 3,984 |
| Average earning assets | $101,360,667 | 3,961 |
| Average equity | $10,687,000 | 4,134 |
| Average total loans | $56,905,333 | 3,956 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7737% | 2,178 |
| Cost of funding earning assets | 0.6422% | 728 |
| Net interest margin | 3.1314% | 2,902 |
| Noninterest income to average assets | 0.1884% | 4,253 |
| Noninterest expense to average assets | 2.4233% | 2,422 |
| Loan and lease loss provision to assets | 0.0301% | 2,390 |
| Net operating income to assets | 0.7274% | 3,644 |
| Return on assets (ROA) | 0.5088% | 4,199 |
| Pretax return on assets | 0.4749% | 4,386 |
| Return on Equity (ROE) | 5.0807% | 4,078 |
| Retained earnings to average equity (ytd only) | 5.0807% | 3,204 |
| Net charge-offs to loans | -0.0140% | 3,824 |
| Credit loss provision to net charge-offs | -400.0000% | 3,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3293% | 1,198 |
| Assets per employee ($millions) | 6.9284% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6512% | 1,166 |
| Loan loss allowance to noncurrent loans | 5,925.0000% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 4,272 |
| Noncurrent loans to loans | 0.0279% | 4,151 |
| Net loans and leases to total assets | 50.9350% | 3,544 |
| Net loans and leases to deposits | 62.3484% | 3,287 |
| Net loans and leases to core deposits | 64.1476% | 3,399 |
| Total domestic deposits to total assets | 81.6941% | 3,958 |
| Equity capital to assets | 9.3537% | 3,330 |
| Core capital (leverage) ratio | 9.5192% | 3,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8411% | 951 |
| Memoranda: | ||
| Average total assets | $106,136,500 | 4,005 |
| Average earning assets | $100,273,500 | 3,975 |
| Average equity | $10,628,500 | 4,156 |
| Average total loans | $57,317,000 | 3,960 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2102% | 2,105 |
| Cost of funding earning assets | 0.8292% | 1,096 |
| Net interest margin | 3.3810% | 2,832 |
| Noninterest income to average assets | 0.1997% | 4,282 |
| Noninterest expense to average assets | 2.5167% | 2,791 |
| Loan and lease loss provision to assets | 0.0314% | 4,008 |
| Net operating income to assets | 0.7056% | 3,415 |
| Return on assets (ROA) | 0.8311% | 3,101 |
| Pretax return on assets | 1.0075% | 3,022 |
| Return on Equity (ROE) | 7.7647% | 2,902 |
| Retained earnings to average equity (ytd only) | 0.1894% | 4,462 |
| Net charge-offs to loans | -0.0334% | 4,569 |
| Credit loss provision to net charge-offs | -155.0000% | 3,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3265% | 1,638 |
| Assets per employee ($millions) | 6.3386% | 2,055 |
| Cash dividends to net income (ytd only)* | 97.5610% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6392% | 1,198 |
| Loan loss allowance to noncurrent loans | 6,253.3333% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 4,338 |
| Noncurrent loans to loans | 0.0262% | 4,218 |
| Net loans and leases to total assets | 55.4971% | 3,346 |
| Net loans and leases to deposits | 70.1454% | 2,869 |
| Net loans and leases to core deposits | 73.8490% | 2,926 |
| Total domestic deposits to total assets | 79.1171% | 4,188 |
| Equity capital to assets | 10.7358% | 2,487 |
| Core capital (leverage) ratio | 9.9438% | 2,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7365% | 941 |
| Memoranda: | ||
| Average total assets | $98,659,200 | 4,017 |
| Average earning assets | $93,463,400 | 3,983 |
| Average equity | $10,560,600 | 4,144 |
| Average total loans | $59,851,800 | 3,922 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2461% | 2,261 |
| Cost of funding earning assets | 0.8581% | 1,217 |
| Net interest margin | 3.3880% | 2,955 |
| Noninterest income to average assets | 0.2014% | 4,264 |
| Noninterest expense to average assets | 2.5313% | 2,739 |
| Loan and lease loss provision to assets | 0.0316% | 3,938 |
| Net operating income to assets | 0.7004% | 3,457 |
| Return on assets (ROA) | 0.8411% | 3,074 |
| Pretax return on assets | 1.0289% | 2,967 |
| Return on Equity (ROE) | 7.8633% | 2,857 |
| Retained earnings to average equity (ytd only) | 4.0462% | 3,024 |
| Net charge-offs to loans | -0.0286% | 4,514 |
| Credit loss provision to net charge-offs | -176.9231% | 3,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3438% | 1,605 |
| Assets per employee ($millions) | 6.1384% | 2,147 |
| Cash dividends to net income (ytd only)* | 48.5437% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5533% | 1,223 |
| Loan loss allowance to noncurrent loans | 744.3548% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 3,794 |
| Noncurrent loans to loans | 0.2087% | 3,548 |
| Net loans and leases to total assets | 59.5601% | 3,273 |
| Net loans and leases to deposits | 75.6528% | 2,786 |
| Net loans and leases to core deposits | 80.0989% | 2,835 |
| Total domestic deposits to total assets | 78.7283% | 4,097 |
| Equity capital to assets | 11.1612% | 2,272 |
| Core capital (leverage) ratio | 10.6258% | 2,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3613% | 861 |
| Memoranda: | ||
| Average total assets | $97,969,500 | 4,016 |
| Average earning assets | $93,070,750 | 3,982 |
| Average equity | $10,478,750 | 4,161 |
| Average total loans | $60,509,250 | 3,928 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2914% | 2,494 |
| Cost of funding earning assets | 0.8975% | 1,386 |
| Net interest margin | 3.3940% | 3,123 |
| Noninterest income to average assets | 0.1982% | 4,283 |
| Noninterest expense to average assets | 2.5151% | 2,925 |
| Loan and lease loss provision to assets | 0.0306% | 3,876 |
| Net operating income to assets | 0.7062% | 3,376 |
| Return on assets (ROA) | 0.6681% | 3,604 |
| Pretax return on assets | 0.8275% | 3,515 |
| Return on Equity (ROE) | 6.3386% | 3,384 |
| Retained earnings to average equity (ytd only) | 0.5234% | 4,208 |
| Net charge-offs to loans | -0.0263% | 4,494 |
| Credit loss provision to net charge-offs | -187.5000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8638% | 1,700 |
| Assets per employee ($millions) | 6.2959% | 1,951 |
| Cash dividends to net income (ytd only)* | 91.7431% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 1,275 |
| Loan loss allowance to noncurrent loans | 1,011.1111% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 4,084 |
| Noncurrent loans to loans | 0.1480% | 3,860 |
| Net loans and leases to total assets | 59.4447% | 3,379 |
| Net loans and leases to deposits | 74.8625% | 2,983 |
| Net loans and leases to core deposits | 83.2073% | 2,672 |
| Total domestic deposits to total assets | 79.4052% | 3,955 |
| Equity capital to assets | 10.6101% | 2,652 |
| Core capital (leverage) ratio | 10.1920% | 2,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2739% | 1,006 |
| Memoranda: | ||
| Average total assets | $97,887,667 | 4,022 |
| Average earning assets | $92,929,667 | 3,985 |
| Average equity | $10,317,667 | 4,186 |
| Average total loans | $60,872,333 | 3,923 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4196% | 2,547 |
| Cost of funding earning assets | 0.9782% | 1,521 |
| Net interest margin | 3.4413% | 3,183 |
| Noninterest income to average assets | 0.2115% | 4,280 |
| Noninterest expense to average assets | 2.6704% | 2,781 |
| Loan and lease loss provision to assets | 0.0290% | 3,419 |
| Net operating income to assets | 0.5972% | 3,604 |
| Return on assets (ROA) | 0.4105% | 4,149 |
| Pretax return on assets | 0.5432% | 4,047 |
| Return on Equity (ROE) | 3.9082% | 3,975 |
| Retained earnings to average equity (ytd only) | 3.9082% | 2,713 |
| Net charge-offs to loans | -0.0197% | 4,333 |
| Credit loss provision to net charge-offs | -233.3333% | 3,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0894% | 1,676 |
| Assets per employee ($millions) | 5.6506% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4908% | 1,378 |
| Loan loss allowance to noncurrent loans | 282.0755% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.3310% | 3,120 |
| Noncurrent loans to loans | 0.5285% | 2,677 |
| Net loans and leases to total assets | 61.7035% | 3,334 |
| Net loans and leases to deposits | 82.6865% | 2,361 |
| Net loans and leases to core deposits | 87.7261% | 2,547 |
| Total domestic deposits to total assets | 74.6234% | 4,610 |
| Equity capital to assets | 10.3549% | 3,467 |
| Core capital (leverage) ratio | 10.4906% | 2,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5542% | 1,061 |
| Memoranda: | ||
| Average total assets | $96,464,500 | 4,039 |
| Average earning assets | $91,592,500 | 4,003 |
| Average equity | $10,132,500 | 4,225 |
| Average total loans | $60,913,000 | 3,940 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4166% | 3,202 |
| Cost of funding earning assets | 1.0641% | 1,453 |
| Net interest margin | 3.3525% | 3,870 |
| Noninterest income to average assets | 0.2531% | 4,163 |
| Noninterest expense to average assets | 2.4771% | 3,511 |
| Loan and lease loss provision to assets | 0.2076% | 969 |
| Net operating income to assets | 0.6459% | 4,022 |
| Return on assets (ROA) | 0.6756% | 4,004 |
| Pretax return on assets | 0.7789% | 4,015 |
| Return on Equity (ROE) | 6.5515% | 3,726 |
| Retained earnings to average equity (ytd only) | 2.0436% | 3,980 |
| Net charge-offs to loans | 0.2891% | 722 |
| Credit loss provision to net charge-offs | 114.8571% | 2,188 |
| Earnings coverage of net charge-offs (x) | 5.2686% | 3,112 |
| Efficiency ratio | 70.5723% | 2,090 |
| Assets per employee ($millions) | 5.6981% | 1,880 |
| Cash dividends to net income (ytd only)* | 68.8073% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4386% | 1,398 |
| Loan loss allowance to noncurrent loans | 4,223.8095% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 4,550 |
| Noncurrent loans to loans | 0.0341% | 4,426 |
| Net loans and leases to total assets | 62.7338% | 3,334 |
| Net loans and leases to deposits | 79.8279% | 2,796 |
| Net loans and leases to core deposits | 93.4275% | 2,118 |
| Total domestic deposits to total assets | 78.5863% | 4,258 |
| Equity capital to assets | 10.6516% | 3,308 |
| Core capital (leverage) ratio | 10.1908% | 3,310 |
| Tier 1 risk-based capital ratio | 16.7896% | 2,125 |
| Total risk-based capital ratio | 18.0428% | 2,060 |
| Memoranda: | ||
| Average total assets | $96,807,200 | 4,051 |
| Average earning assets | $91,723,000 | 4,018 |
| Average equity | $9,982,400 | 4,245 |
| Average total loans | $60,527,800 | 3,975 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4006% | 3,352 |
| Cost of funding earning assets | 1.0700% | 1,468 |
| Net interest margin | 3.3306% | 4,040 |
| Noninterest income to average assets | 0.1804% | 4,642 |
| Noninterest expense to average assets | 2.4464% | 3,581 |
| Loan and lease loss provision to assets | 0.1625% | 1,149 |
| Net operating income to assets | 0.6401% | 4,181 |
| Return on assets (ROA) | 0.6874% | 4,111 |
| Pretax return on assets | 0.7810% | 4,172 |
| Return on Equity (ROE) | 6.7214% | 3,804 |
| Retained earnings to average equity (ytd only) | 4.0275% | 3,383 |
| Net charge-offs to loans | 0.0974% | 1,497 |
| Credit loss provision to net charge-offs | 268.1818% | 1,034 |
| Earnings coverage of net charge-offs (x) | 14.6806% | 2,235 |
| Efficiency ratio | 71.5937% | 1,888 |
| Assets per employee ($millions) | 5.7125% | 1,840 |
| Cash dividends to net income (ytd only)* | 40.0800% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5114% | 1,216 |
| Loan loss allowance to noncurrent loans | 50.6501% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 1.9009% | 489 |
| Noncurrent loans to loans | 2.9840% | 330 |
| Net loans and leases to total assets | 62.7410% | 3,415 |
| Net loans and leases to deposits | 81.0657% | 2,793 |
| Net loans and leases to core deposits | 96.5824% | 1,954 |
| Total domestic deposits to total assets | 77.3952% | 4,457 |
| Equity capital to assets | 10.7608% | 3,324 |
| Core capital (leverage) ratio | 10.3760% | 3,229 |
| Tier 1 risk-based capital ratio | 17.1729% | 2,031 |
| Total risk-based capital ratio | 18.4274% | 1,987 |
| Memoranda: | ||
| Average total assets | $96,792,000 | 4,095 |
| Average earning assets | $91,712,250 | 4,063 |
| Average equity | $9,898,500 | 4,297 |
| Average total loans | $60,245,750 | 4,025 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3787% | 3,388 |
| Cost of funding earning assets | 1.0439% | 1,518 |
| Net interest margin | 3.3348% | 4,067 |
| Noninterest income to average assets | 0.1696% | 4,736 |
| Noninterest expense to average assets | 2.4161% | 3,699 |
| Loan and lease loss provision to assets | 0.1241% | 1,499 |
| Net operating income to assets | 0.6900% | 4,036 |
| Return on assets (ROA) | 0.7592% | 3,863 |
| Pretax return on assets | 0.8667% | 3,938 |
| Return on Equity (ROE) | 7.5556% | 3,472 |
| Retained earnings to average equity (ytd only) | 3.4381% | 3,521 |
| Net charge-offs to loans | 0.1507% | 1,035 |
| Credit loss provision to net charge-offs | 133.3333% | 1,630 |
| Earnings coverage of net charge-offs (x) | 9.8000% | 2,315 |
| Efficiency ratio | 70.8515% | 2,085 |
| Assets per employee ($millions) | 6.0210% | 1,528 |
| Cash dividends to net income (ytd only)* | 54.4959% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 1,355 |
| Loan loss allowance to noncurrent loans | 52.3270% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 1.7397% | 594 |
| Noncurrent loans to loans | 2.8130% | 379 |
| Net loans and leases to total assets | 60.9357% | 3,661 |
| Net loans and leases to deposits | 82.9947% | 2,613 |
| Net loans and leases to core deposits | 94.4401% | 2,213 |
| Total domestic deposits to total assets | 73.4212% | 4,872 |
| Equity capital to assets | 10.5578% | 3,469 |
| Core capital (leverage) ratio | 10.3474% | 3,244 |
| Tier 1 risk-based capital ratio | 17.4419% | 1,956 |
| Total risk-based capital ratio | 18.6960% | 1,914 |
| Memoranda: | ||
| Average total assets | $96,685,330 | 4,120 |
| Average earning assets | $91,578,670 | 4,086 |
| Average equity | $9,714,670 | 4,339 |
| Average total loans | $59,706,330 | 4,060 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3447% | 3,423 |
| Cost of funding earning assets | 0.9878% | 1,620 |
| Net interest margin | 3.3568% | 4,016 |
| Noninterest income to average assets | 0.1776% | 4,684 |
| Noninterest expense to average assets | 2.3580% | 3,877 |
| Loan and lease loss provision to assets | 0.0413% | 2,801 |
| Net operating income to assets | 0.7866% | 3,665 |
| Return on assets (ROA) | 0.7557% | 3,803 |
| Pretax return on assets | 0.9127% | 3,722 |
| Return on Equity (ROE) | 7.7162% | 3,369 |
| Retained earnings to average equity (ytd only) | 7.7162% | 1,762 |
| Net charge-offs to loans | -0.0335% | 4,690 |
| Credit loss provision to net charge-offs | -200.0000% | 3,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6806% | 2,544 |
| Assets per employee ($millions) | 6.0072% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4723% | 1,424 |
| Loan loss allowance to noncurrent loans | 50.7238% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 1.7968% | 588 |
| Noncurrent loans to loans | 2.9025% | 390 |
| Net loans and leases to total assets | 60.9936% | 3,603 |
| Net loans and leases to deposits | 80.2189% | 2,816 |
| Net loans and leases to core deposits | 89.9445% | 2,510 |
| Total domestic deposits to total assets | 76.0339% | 4,756 |
| Equity capital to assets | 10.0900% | 3,729 |
| Core capital (leverage) ratio | 10.1773% | 3,415 |
| Tier 1 risk-based capital ratio | 17.4318% | 1,961 |
| Total risk-based capital ratio | 18.6841% | 1,908 |
| Memoranda: | ||
| Average total assets | $96,860,000 | 4,154 |
| Average earning assets | $91,514,500 | 4,117 |
| Average equity | $9,486,500 | 4,403 |
| Average total loans | $59,769,500 | 4,093 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1310% | 3,648 |
| Cost of funding earning assets | 0.8500% | 1,304 |
| Net interest margin | 3.2810% | 4,304 |
| Noninterest income to average assets | 0.1740% | 4,857 |
| Noninterest expense to average assets | 2.3325% | 4,041 |
| Loan and lease loss provision to assets | 0.0435% | 3,313 |
| Net operating income to assets | 0.6311% | 4,334 |
| Return on assets (ROA) | 0.5935% | 4,445 |
| Pretax return on assets | 0.8607% | 4,005 |
| Return on Equity (ROE) | 6.2538% | 4,089 |
| Retained earnings to average equity (ytd only) | 1.8882% | 4,395 |
| Net charge-offs to loans | -0.0638% | 5,040 |
| Credit loss provision to net charge-offs | -113.5135% | 4,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2841% | 2,330 |
| Assets per employee ($millions) | 6.1003% | 1,455 |
| Cash dividends to net income (ytd only)* | 69.8080% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4341% | 1,511 |
| Loan loss allowance to noncurrent loans | 50.0581% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 1.7622% | 593 |
| Noncurrent loans to loans | 2.8648% | 375 |
| Net loans and leases to total assets | 60.6301% | 3,701 |
| Net loans and leases to deposits | 78.1517% | 3,146 |
| Net loans and leases to core deposits | 89.9061% | 2,582 |
| Total domestic deposits to total assets | 77.5800% | 4,551 |
| Equity capital to assets | 9.5026% | 4,129 |
| Core capital (leverage) ratio | 9.9552% | 3,638 |
| Tier 1 risk-based capital ratio | 16.6399% | 2,188 |
| Total risk-based capital ratio | 17.8926% | 2,134 |
| Memoranda: | ||
| Average total assets | $96,550,000 | 4,159 |
| Average earning assets | $91,527,600 | 4,119 |
| Average equity | $9,162,400 | 4,443 |
| Average total loans | $57,976,000 | 4,144 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1041% | 3,618 |
| Cost of funding earning assets | 0.8194% | 1,244 |
| Net interest margin | 3.2847% | 4,326 |
| Noninterest income to average assets | 0.1717% | 4,927 |
| Noninterest expense to average assets | 2.2640% | 4,186 |
| Loan and lease loss provision to assets | 0.0443% | 3,106 |
| Net operating income to assets | 0.6927% | 4,248 |
| Return on assets (ROA) | 0.6522% | 4,377 |
| Pretax return on assets | 0.9264% | 3,931 |
| Return on Equity (ROE) | 6.8750% | 3,976 |
| Retained earnings to average equity (ytd only) | 3.9557% | 3,796 |
| Net charge-offs to loans | -0.0789% | 5,091 |
| Credit loss provision to net charge-offs | -94.1176% | 4,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1302% | 2,695 |
| Assets per employee ($millions) | 6.0754% | 1,439 |
| Cash dividends to net income (ytd only)* | 42.4631% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 1,698 |
| Loan loss allowance to noncurrent loans | 206.3260% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.4228% | 2,999 |
| Noncurrent loans to loans | 0.6786% | 2,381 |
| Net loans and leases to total assets | 61.4349% | 3,705 |
| Net loans and leases to deposits | 81.1322% | 2,908 |
| Net loans and leases to core deposits | 90.7956% | 2,586 |
| Total domestic deposits to total assets | 75.7219% | 4,818 |
| Equity capital to assets | 9.2473% | 4,327 |
| Core capital (leverage) ratio | 10.0681% | 3,562 |
| Tier 1 risk-based capital ratio | 16.6097% | 2,241 |
| Total risk-based capital ratio | 17.8613% | 2,184 |
| Memoranda: | ||
| Average total assets | $96,286,250 | 4,205 |
| Average earning assets | $91,288,250 | 4,162 |
| Average equity | $9,134,250 | 4,488 |
| Average total loans | $57,460,250 | 4,197 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0243% | 3,716 |
| Cost of funding earning assets | 0.7764% | 1,250 |
| Net interest margin | 3.2480% | 4,386 |
| Noninterest income to average assets | 0.1667% | 4,995 |
| Noninterest expense to average assets | 2.2880% | 4,171 |
| Loan and lease loss provision to assets | 0.0458% | 2,987 |
| Net operating income to assets | 0.6465% | 4,357 |
| Return on assets (ROA) | 0.5855% | 4,541 |
| Pretax return on assets | 0.8418% | 4,131 |
| Return on Equity (ROE) | 6.1202% | 4,186 |
| Retained earnings to average equity (ytd only) | 1.7642% | 4,543 |
| Net charge-offs to loans | -0.1028% | 5,167 |
| Credit loss provision to net charge-offs | -75.8621% | 4,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5458% | 2,552 |
| Assets per employee ($millions) | 6.2970% | 1,270 |
| Cash dividends to net income (ytd only)* | 71.1744% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4611% | 1,520 |
| Loan loss allowance to noncurrent loans | 200.7229% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.4394% | 2,968 |
| Noncurrent loans to loans | 0.7279% | 2,291 |
| Net loans and leases to total assets | 59.4759% | 3,855 |
| Net loans and leases to deposits | 74.6621% | 3,473 |
| Net loans and leases to core deposits | 83.3848% | 3,131 |
| Total domestic deposits to total assets | 79.6602% | 4,318 |
| Equity capital to assets | 9.5432% | 4,060 |
| Core capital (leverage) ratio | 9.8731% | 3,711 |
| Tier 1 risk-based capital ratio | 17.0687% | 2,078 |
| Total risk-based capital ratio | 18.3217% | 2,020 |
| Memoranda: | ||
| Average total assets | $95,979,330 | 4,245 |
| Average earning assets | $91,195,330 | 4,204 |
| Average equity | $9,182,670 | 4,516 |
| Average total loans | $56,424,670 | 4,253 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9825% | 3,677 |
| Cost of funding earning assets | 0.7443% | 1,215 |
| Net interest margin | 3.2382% | 4,347 |
| Noninterest income to average assets | 0.1613% | 5,056 |
| Noninterest expense to average assets | 2.1997% | 4,423 |
| Loan and lease loss provision to assets | 0.0455% | 2,856 |
| Net operating income to assets | 0.7093% | 4,067 |
| Return on assets (ROA) | 0.6243% | 4,371 |
| Pretax return on assets | 0.8848% | 3,896 |
| Return on Equity (ROE) | 6.5178% | 3,974 |
| Retained earnings to average equity (ytd only) | 6.5178% | 2,491 |
| Net charge-offs to loans | -0.0285% | 4,716 |
| Credit loss provision to net charge-offs | -275.0000% | 3,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1558% | 3,131 |
| Assets per employee ($millions) | 6.0725% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4020% | 1,838 |
| Loan loss allowance to noncurrent loans | 193.9173% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.4230% | 3,140 |
| Noncurrent loans to loans | 0.7230% | 2,402 |
| Net loans and leases to total assets | 57.6883% | 3,969 |
| Net loans and leases to deposits | 72.3786% | 3,571 |
| Net loans and leases to core deposits | 84.3466% | 2,946 |
| Total domestic deposits to total assets | 79.7036% | 4,460 |
| Equity capital to assets | 9.3567% | 4,223 |
| Core capital (leverage) ratio | 9.9293% | 3,604 |
| Tier 1 risk-based capital ratio | 16.8075% | 2,175 |
| Total risk-based capital ratio | 18.0601% | 2,125 |
| Memoranda: | ||
| Average total assets | $96,741,500 | 4,274 |
| Average earning assets | $91,903,000 | 4,233 |
| Average equity | $9,267,000 | 4,547 |
| Average total loans | $56,131,500 | 4,304 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0064% | 3,385 |
| Cost of funding earning assets | 0.7076% | 985 |
| Net interest margin | 3.2988% | 4,167 |
| Noninterest income to average assets | 0.1771% | 5,070 |
| Noninterest expense to average assets | 2.3561% | 4,193 |
| Loan and lease loss provision to assets | 0.0611% | 3,009 |
| Net operating income to assets | 0.6514% | 3,817 |
| Return on assets (ROA) | 0.6620% | 3,811 |
| Pretax return on assets | 0.9150% | 3,860 |
| Return on Equity (ROE) | 6.6803% | 3,443 |
| Retained earnings to average equity (ytd only) | 1.3616% | 4,460 |
| Net charge-offs to loans | 0.0605% | 2,605 |
| Credit loss provision to net charge-offs | 175.7576% | 1,546 |
| Earnings coverage of net charge-offs (x) | 27.6364% | 1,630 |
| Efficiency ratio | 69.2723% | 2,657 |
| Assets per employee ($millions) | 6.4215% | 1,253 |
| Cash dividends to net income (ytd only)* | 79.6178% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4111% | 1,722 |
| Loan loss allowance to noncurrent loans | 253.0744% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.3208% | 3,592 |
| Noncurrent loans to loans | 0.5576% | 2,828 |
| Net loans and leases to total assets | 56.7196% | 4,125 |
| Net loans and leases to deposits | 75.6368% | 3,363 |
| Net loans and leases to core deposits | 86.8447% | 2,842 |
| Total domestic deposits to total assets | 74.9894% | 5,095 |
| Equity capital to assets | 9.8035% | 3,914 |
| Core capital (leverage) ratio | 10.0727% | 3,360 |
| Tier 1 risk-based capital ratio | 17.2164% | 2,021 |
| Total risk-based capital ratio | 18.4691% | 1,972 |
| Memoranda: | ||
| Average total assets | $94,859,600 | 4,330 |
| Average earning assets | $90,306,600 | 4,281 |
| Average equity | $9,400,800 | 4,537 |
| Average total loans | $54,533,400 | 4,346 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0317% | 3,238 |
| Cost of funding earning assets | 0.7115% | 914 |
| Net interest margin | 3.3202% | 4,104 |
| Noninterest income to average assets | 0.1792% | 5,119 |
| Noninterest expense to average assets | 2.2604% | 4,394 |
| Loan and lease loss provision to assets | 0.0621% | 2,831 |
| Net operating income to assets | 0.7069% | 3,944 |
| Return on assets (ROA) | 0.7069% | 4,008 |
| Pretax return on assets | 1.0173% | 3,617 |
| Return on Equity (ROE) | 7.1135% | 3,593 |
| Retained earnings to average equity (ytd only) | 2.8539% | 4,207 |
| Net charge-offs to loans | 0.0908% | 1,886 |
| Credit loss provision to net charge-offs | 118.9189% | 2,019 |
| Earnings coverage of net charge-offs (x) | 20.6765% | 1,940 |
| Efficiency ratio | 65.9062% | 3,227 |
| Assets per employee ($millions) | 6.3464% | 1,279 |
| Cash dividends to net income (ytd only)* | 59.8805% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 1,977 |
| Loan loss allowance to noncurrent loans | 195.1531% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.4118% | 3,382 |
| Noncurrent loans to loans | 0.7071% | 2,591 |
| Net loans and leases to total assets | 57.4278% | 4,117 |
| Net loans and leases to deposits | 71.5394% | 3,823 |
| Net loans and leases to core deposits | 87.7174% | 2,803 |
| Total domestic deposits to total assets | 80.2744% | 4,263 |
| Equity capital to assets | 10.1748% | 3,719 |
| Core capital (leverage) ratio | 10.0876% | 3,455 |
| Tier 1 risk-based capital ratio | 17.3357% | 2,052 |
| Total risk-based capital ratio | 18.5876% | 2,006 |
| Memoranda: | ||
| Average total assets | $94,493,750 | 4,373 |
| Average earning assets | $89,951,500 | 4,334 |
| Average equity | $9,390,250 | 4,589 |
| Average total loans | $54,312,750 | 4,386 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 3,300 |
| Cost of funding earning assets | 0.6811% | 987 |
| Net interest margin | 3.2939% | 4,129 |
| Noninterest income to average assets | 0.1782% | 5,162 |
| Noninterest expense to average assets | 2.2894% | 4,376 |
| Loan and lease loss provision to assets | 0.0637% | 2,695 |
| Net operating income to assets | 0.6323% | 4,152 |
| Return on assets (ROA) | 0.6323% | 4,204 |
| Pretax return on assets | 0.9548% | 3,749 |
| Return on Equity (ROE) | 6.4143% | 3,867 |
| Retained earnings to average equity (ytd only) | -0.0430% | 5,086 |
| Net charge-offs to loans | 0.1446% | 1,284 |
| Credit loss provision to net charge-offs | 76.9231% | 2,295 |
| Earnings coverage of net charge-offs (x) | 12.3077% | 2,207 |
| Efficiency ratio | 67.4150% | 3,114 |
| Assets per employee ($millions) | 6.3512% | 1,235 |
| Cash dividends to net income (ytd only)* | 100.6711% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3452% | 2,203 |
| Loan loss allowance to noncurrent loans | 1,010.8108% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 4,888 |
| Noncurrent loans to loans | 0.1331% | 4,586 |
| Net loans and leases to total assets | 57.5839% | 4,074 |
| Net loans and leases to deposits | 74.1879% | 3,526 |
| Net loans and leases to core deposits | 87.2953% | 2,769 |
| Total domestic deposits to total assets | 77.6189% | 4,878 |
| Equity capital to assets | 9.9918% | 3,917 |
| Core capital (leverage) ratio | 10.0688% | 3,444 |
| Tier 1 risk-based capital ratio | 17.1914% | 2,106 |
| Total risk-based capital ratio | 18.4436% | 2,049 |
| Memoranda: | ||
| Average total assets | $94,259,670 | 4,409 |
| Average earning assets | $89,559,000 | 4,367 |
| Average equity | $9,291,670 | 4,626 |
| Average total loans | $53,939,000 | 4,423 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9645% | 3,158 |
| Cost of funding earning assets | 0.6397% | 1,132 |
| Net interest margin | 3.3247% | 3,932 |
| Noninterest income to average assets | 0.1835% | 5,177 |
| Noninterest expense to average assets | 2.3252% | 4,342 |
| Loan and lease loss provision to assets | 0.0640% | 2,519 |
| Net operating income to assets | 0.7253% | 3,594 |
| Return on assets (ROA) | 0.7253% | 3,644 |
| Pretax return on assets | 0.9429% | 3,615 |
| Return on Equity (ROE) | 7.4090% | 3,206 |
| Retained earnings to average equity (ytd only) | 3.0508% | 3,887 |
| Net charge-offs to loans | 0.3390% | 544 |
| Credit loss provision to net charge-offs | 33.3333% | 2,097 |
| Earnings coverage of net charge-offs (x) | 5.2444% | 2,310 |
| Efficiency ratio | 67.9898% | 3,199 |
| Assets per employee ($millions) | 6.1636% | 1,386 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 2,135 |
| Loan loss allowance to noncurrent loans | 956.5789% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.0822% | 4,943 |
| Noncurrent loans to loans | 0.1449% | 4,606 |
| Net loans and leases to total assets | 55.9608% | 4,172 |
| Net loans and leases to deposits | 69.5086% | 3,852 |
| Net loans and leases to core deposits | 80.9900% | 3,198 |
| Total domestic deposits to total assets | 80.5092% | 4,521 |
| Equity capital to assets | 9.9963% | 3,763 |
| Core capital (leverage) ratio | 10.1123% | 3,364 |
| Tier 1 risk-based capital ratio | 17.9047% | 1,907 |
| Total risk-based capital ratio | 19.1556% | 1,864 |
| Memoranda: | ||
| Average total assets | $93,755,500 | 4,466 |
| Average earning assets | $88,789,000 | 4,424 |
| Average equity | $9,178,000 | 4,684 |
| Average total loans | $53,105,000 | 4,485 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9288% | 3,462 |
| Cost of funding earning assets | 0.6403% | 1,105 |
| Net interest margin | 3.2885% | 4,177 |
| Noninterest income to average assets | 0.1338% | 5,518 |
| Noninterest expense to average assets | 2.6574% | 3,497 |
| Loan and lease loss provision to assets | 0.5171% | 266 |
| Net operating income to assets | 0.0939% | 5,567 |
| Return on assets (ROA) | 0.0489% | 5,635 |
| Pretax return on assets | 0.0322% | 5,640 |
| Return on Equity (ROE) | 0.5114% | 5,627 |
| Retained earnings to average equity (ytd only) | -1.1035% | 5,455 |
| Net charge-offs to loans | 0.0711% | 2,679 |
| Credit loss provision to net charge-offs | 1,340.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 15.4000% | 2,201 |
| Efficiency ratio | 80.4589% | 1,366 |
| Assets per employee ($millions) | 6.3371% | 1,239 |
| Cash dividends to net income (ytd only)* | 315.7895% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4085% | 2,042 |
| Loan loss allowance to noncurrent loans | 221.9941% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.3587% | 3,847 |
| Noncurrent loans to loans | 0.6345% | 2,953 |
| Net loans and leases to total assets | 55.7434% | 4,289 |
| Net loans and leases to deposits | 68.9167% | 4,016 |
| Net loans and leases to core deposits | 84.8161% | 2,943 |
| Total domestic deposits to total assets | 80.8852% | 4,360 |
| Equity capital to assets | 9.5879% | 4,177 |
| Core capital (leverage) ratio | 9.9529% | 3,547 |
| Tier 1 risk-based capital ratio | 17.3558% | 2,043 |
| Total risk-based capital ratio | 18.6066% | 2,003 |
| Memoranda: | ||
| Average total assets | $77,744,200 | 4,773 |
| Average earning assets | $73,712,400 | 4,722 |
| Average equity | $7,431,000 | 5,020 |
| Average total loans | $42,170,200 | 4,809 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8090% | 3,895 |
| Cost of funding earning assets | 0.6253% | 1,167 |
| Net interest margin | 3.1838% | 4,527 |
| Noninterest income to average assets | 0.1146% | 5,663 |
| Noninterest expense to average assets | 2.5906% | 3,698 |
| Loan and lease loss provision to assets | 0.2292% | 876 |
| Net operating income to assets | 0.2850% | 5,313 |
| Return on assets (ROA) | 0.2802% | 5,405 |
| Pretax return on assets | 0.3184% | 5,434 |
| Return on Equity (ROE) | 2.9748% | 5,224 |
| Retained earnings to average equity (ytd only) | 0.6567% | 5,191 |
| Net charge-offs to loans | -0.0170% | 4,955 |
| Credit loss provision to net charge-offs | -2,520.0000% | 5,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4074% | 1,147 |
| Assets per employee ($millions) | 5.9489% | 1,465 |
| Cash dividends to net income (ytd only)* | 77.9233% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9695% | 4,567 |
| Loan loss allowance to noncurrent loans | 52.3858% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 1.0349% | 1,992 |
| Noncurrent loans to loans | 1.8506% | 1,095 |
| Net loans and leases to total assets | 55.3781% | 4,372 |
| Net loans and leases to deposits | 67.0747% | 4,237 |
| Net loans and leases to core deposits | 79.6103% | 3,488 |
| Total domestic deposits to total assets | 82.5618% | 3,755 |
| Equity capital to assets | 10.1080% | 4,031 |
| Core capital (leverage) ratio | 9.8223% | 3,785 |
| Tier 1 risk-based capital ratio | 18.2521% | 1,848 |
| Total risk-based capital ratio | 19.2616% | 1,882 |
| Memoranda: | ||
| Average total assets | $73,289,000 | 4,903 |
| Average earning assets | $69,727,000 | 4,850 |
| Average equity | $6,902,250 | 5,165 |
| Average total loans | $39,283,250 | 4,948 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5039% | 4,853 |
| Cost of funding earning assets | 0.5596% | 1,621 |
| Net interest margin | 2.9443% | 5,182 |
| Noninterest income to average assets | 0.1758% | 5,443 |
| Noninterest expense to average assets | 2.4185% | 4,276 |
| Loan and lease loss provision to assets | 0.0121% | 3,859 |
| Net operating income to assets | 0.3728% | 5,117 |
| Return on assets (ROA) | 0.3728% | 5,204 |
| Pretax return on assets | 0.5516% | 5,019 |
| Return on Equity (ROE) | 4.1027% | 4,870 |
| Retained earnings to average equity (ytd only) | 0.1001% | 5,264 |
| Net charge-offs to loans | -0.0173% | 4,889 |
| Credit loss provision to net charge-offs | -133.3333% | 4,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0976% | 1,375 |
| Assets per employee ($millions) | 5.9986% | 1,403 |
| Cash dividends to net income (ytd only)* | 97.5610% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7646% | 5,361 |
| Loan loss allowance to noncurrent loans | 92.0188% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 0.4834% | 3,600 |
| Noncurrent loans to loans | 0.8309% | 2,665 |
| Net loans and leases to total assets | 53.0085% | 4,589 |
| Net loans and leases to deposits | 67.0798% | 4,259 |
| Net loans and leases to core deposits | 76.9682% | 3,740 |
| Total domestic deposits to total assets | 79.0231% | 4,781 |
| Equity capital to assets | 10.1545% | 4,020 |
| Core capital (leverage) ratio | 9.9138% | 3,669 |
| Tier 1 risk-based capital ratio | 18.3091% | 1,847 |
| Total risk-based capital ratio | 19.0791% | 1,941 |
| Memoranda: | ||
| Average total assets | $65,991,330 | 5,102 |
| Average earning assets | $62,900,670 | 5,053 |
| Average equity | $5,996,000 | 5,386 |
| Average total loans | $34,635,670 | 5,150 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9679% | 3,340 |
| Cost of funding earning assets | 0.6104% | 1,271 |
| Net interest margin | 3.3575% | 4,015 |
| Noninterest income to average assets | 0.2510% | 4,949 |
| Noninterest expense to average assets | 2.7373% | 3,287 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3686% | 5,084 |
| Return on assets (ROA) | 0.3686% | 5,162 |
| Pretax return on assets | 0.7059% | 4,507 |
| Return on Equity (ROE) | 4.5620% | 4,677 |
| Retained earnings to average equity (ytd only) | -7.0857% | 5,722 |
| Net charge-offs to loans | -0.0152% | 4,720 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4989% | 1,669 |
| Assets per employee ($millions) | 5.1226% | 2,215 |
| Cash dividends to net income (ytd only)* | 255.3191% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5041% | 1,966 |
| Loan loss allowance to noncurrent loans | 6,433.3333% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 5,070 |
| Noncurrent loans to loans | 0.0234% | 5,405 |
| Net loans and leases to total assets | 49.3460% | 4,855 |
| Net loans and leases to deposits | 62.1386% | 4,567 |
| Net loans and leases to core deposits | 78.7060% | 3,428 |
| Total domestic deposits to total assets | 79.4128% | 4,876 |
| Equity capital to assets | 8.0408% | 5,811 |
| Core capital (leverage) ratio | 7.7684% | 5,859 |
| Tier 1 risk-based capital ratio | 16.5845% | 2,443 |
| Total risk-based capital ratio | 17.8377% | 2,393 |
| Memoranda: | ||
| Average total assets | $50,998,500 | 5,488 |
| Average earning assets | $48,489,000 | 5,437 |
| Average equity | $4,121,000 | 5,790 |
| Average total loans | $26,319,500 | 5,469 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8787% | 3,780 |
| Cost of funding earning assets | 0.5943% | 1,402 |
| Net interest margin | 3.2845% | 4,356 |
| Noninterest income to average assets | 0.1648% | 5,593 |
| Noninterest expense to average assets | 2.6265% | 3,828 |
| Loan and lease loss provision to assets | 0.2874% | 615 |
| Net operating income to assets | 0.4081% | 5,029 |
| Return on assets (ROA) | 0.4598% | 4,924 |
| Pretax return on assets | 0.4368% | 5,250 |
| Return on Equity (ROE) | 5.8423% | 4,108 |
| Retained earnings to average equity (ytd only) | 1.4606% | 4,895 |
| Net charge-offs to loans | 0.2906% | 1,051 |
| Credit loss provision to net charge-offs | 194.8052% | 1,425 |
| Earnings coverage of net charge-offs (x) | 4.5584% | 3,528 |
| Efficiency ratio | 79.6167% | 1,723 |
| Assets per employee ($millions) | 5.0771% | 2,274 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 2,306 |
| Loan loss allowance to noncurrent loans | 939.0244% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 4,818 |
| Noncurrent loans to loans | 0.1520% | 4,888 |
| Net loans and leases to total assets | 52.3724% | 4,659 |
| Net loans and leases to deposits | 70.9464% | 3,817 |
| Net loans and leases to core deposits | 85.8628% | 2,810 |
| Total domestic deposits to total assets | 73.8197% | 5,665 |
| Equity capital to assets | 8.1208% | 5,800 |
| Core capital (leverage) ratio | 7.7331% | 5,930 |
| Tier 1 risk-based capital ratio | 16.6967% | 2,391 |
| Total risk-based capital ratio | 17.9517% | 2,344 |
| Memoranda: | ||
| Average total assets | $52,199,000 | 5,499 |
| Average earning assets | $49,810,400 | 5,441 |
| Average equity | $4,108,000 | 5,836 |
| Average total loans | $26,500,000 | 5,503 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8484% | 3,946 |
| Cost of funding earning assets | 0.5908% | 1,464 |
| Net interest margin | 3.2575% | 4,495 |
| Noninterest income to average assets | 0.1700% | 5,630 |
| Noninterest expense to average assets | 2.5192% | 4,134 |
| Loan and lease loss provision to assets | 0.3805% | 328 |
| Net operating income to assets | 0.4313% | 5,044 |
| Return on assets (ROA) | 0.4998% | 4,880 |
| Pretax return on assets | 0.4440% | 5,362 |
| Return on Equity (ROE) | 6.3997% | 3,958 |
| Retained earnings to average equity (ytd only) | 0.5524% | 5,455 |
| Net charge-offs to loans | 0.3993% | 640 |
| Credit loss provision to net charge-offs | 189.8734% | 1,394 |
| Earnings coverage of net charge-offs (x) | 3.7721% | 3,458 |
| Efficiency ratio | 76.9171% | 2,103 |
| Assets per employee ($millions) | 5.2300% | 2,030 |
| Cash dividends to net income (ytd only)* | 91.3691% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 2,628 |
| Loan loss allowance to noncurrent loans | 1,063.8889% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 5,036 |
| Noncurrent loans to loans | 0.1312% | 5,107 |
| Net loans and leases to total assets | 51.7495% | 4,775 |
| Net loans and leases to deposits | 66.6412% | 4,316 |
| Net loans and leases to core deposits | 86.6163% | 2,788 |
| Total domestic deposits to total assets | 77.6539% | 5,241 |
| Equity capital to assets | 7.8222% | 6,014 |
| Core capital (leverage) ratio | 7.5244% | 6,053 |
| Tier 1 risk-based capital ratio | 16.2274% | 2,700 |
| Total risk-based capital ratio | 17.4813% | 2,657 |
| Memoranda: | ||
| Average total assets | $52,556,000 | 5,564 |
| Average earning assets | $50,098,000 | 5,503 |
| Average equity | $4,104,250 | 5,916 |
| Average total loans | $26,381,250 | 5,572 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8423% | 3,909 |
| Cost of funding earning assets | 0.5905% | 1,484 |
| Net interest margin | 3.2518% | 4,491 |
| Noninterest income to average assets | 0.1634% | 5,725 |
| Noninterest expense to average assets | 2.5531% | 4,061 |
| Loan and lease loss provision to assets | 0.4179% | 269 |
| Net operating income to assets | 0.4369% | 5,017 |
| Return on assets (ROA) | 0.5395% | 4,719 |
| Pretax return on assets | 0.3913% | 5,483 |
| Return on Equity (ROE) | 6.9122% | 3,667 |
| Retained earnings to average equity (ytd only) | 3.0180% | 4,121 |
| Net charge-offs to loans | -0.0154% | 5,070 |
| Credit loss provision to net charge-offs | -5,500.0000% | 5,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3217% | 2,017 |
| Assets per employee ($millions) | 5.2996% | 1,926 |
| Cash dividends to net income (ytd only)* | 56.3380% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6299% | 1,813 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 48.2867% | 5,077 |
| Net loans and leases to deposits | 62.4253% | 4,669 |
| Net loans and leases to core deposits | 78.2808% | 3,547 |
| Total domestic deposits to total assets | 77.3511% | 5,401 |
| Equity capital to assets | 7.6100% | 6,094 |
| Core capital (leverage) ratio | 7.5961% | 6,073 |
| Tier 1 risk-based capital ratio | 17.2520% | 2,308 |
| Total risk-based capital ratio | 18.5094% | 2,261 |
| Memoranda: | ||
| Average total assets | $52,641,330 | 5,620 |
| Average earning assets | $50,125,670 | 5,557 |
| Average equity | $4,108,670 | 5,976 |
| Average total loans | $26,025,670 | 5,632 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8087% | 3,977 |
| Cost of funding earning assets | 0.5792% | 1,583 |
| Net interest margin | 3.2294% | 4,486 |
| Noninterest income to average assets | 0.1601% | 5,778 |
| Noninterest expense to average assets | 2.4931% | 4,283 |
| Loan and lease loss provision to assets | 0.7243% | 119 |
| Net operating income to assets | 0.4803% | 4,764 |
| Return on assets (ROA) | 0.6557% | 4,143 |
| Pretax return on assets | 0.2211% | 5,801 |
| Return on Equity (ROE) | 8.2962% | 2,810 |
| Retained earnings to average equity (ytd only) | 0.5788% | 5,198 |
| Net charge-offs to loans | -0.0154% | 4,924 |
| Credit loss provision to net charge-offs | -9,500.0000% | 5,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4019% | 2,449 |
| Assets per employee ($millions) | 5.2920% | 2,005 |
| Cash dividends to net income (ytd only)* | 93.0233% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5774% | 2,133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 48.1047% | 5,022 |
| Net loans and leases to deposits | 60.9209% | 4,669 |
| Net loans and leases to core deposits | 70.5884% | 4,097 |
| Total domestic deposits to total assets | 78.9626% | 5,270 |
| Equity capital to assets | 7.8534% | 6,088 |
| Core capital (leverage) ratio | 7.5194% | 6,133 |
| Tier 1 risk-based capital ratio | 16.7535% | 2,579 |
| Total risk-based capital ratio | 18.0091% | 2,526 |
| Memoranda: | ||
| Average total assets | $52,464,000 | 5,676 |
| Average earning assets | $50,411,500 | 5,609 |
| Average equity | $4,146,500 | 6,021 |
| Average total loans | $26,031,500 | 5,675 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9531% | 3,912 |
| Cost of funding earning assets | 0.6608% | 1,334 |
| Net interest margin | 3.2922% | 4,606 |
| Noninterest income to average assets | 0.0957% | 6,166 |
| Noninterest expense to average assets | 2.6408% | 4,087 |
| Loan and lease loss provision to assets | 0.0345% | 3,904 |
| Net operating income to assets | 0.4307% | 5,110 |
| Return on assets (ROA) | 0.4424% | 5,143 |
| Pretax return on assets | 0.5841% | 4,990 |
| Return on Equity (ROE) | 5.8026% | 4,261 |
| Retained earnings to average equity (ytd only) | 2.0598% | 4,751 |
| Net charge-offs to loans | 0.0750% | 3,415 |
| Credit loss provision to net charge-offs | 94.7368% | 2,542 |
| Earnings coverage of net charge-offs (x) | 16.5789% | 2,000 |
| Efficiency ratio | 81.4050% | 1,724 |
| Assets per employee ($millions) | 5.2008% | 2,073 |
| Cash dividends to net income (ytd only)* | 64.5022% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 4,058 |
| Loan loss allowance to noncurrent loans | 3,120.0000% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 5,969 |
| Noncurrent loans to loans | 0.0382% | 5,729 |
| Net loans and leases to total assets | 49.7731% | 4,996 |
| Net loans and leases to deposits | 64.1378% | 4,514 |
| Net loans and leases to core deposits | 69.5767% | 4,360 |
| Total domestic deposits to total assets | 77.6034% | 5,506 |
| Equity capital to assets | 7.9545% | 6,087 |
| Core capital (leverage) ratio | 7.4984% | 6,204 |
| Tier 1 risk-based capital ratio | 16.9087% | 2,547 |
| Total risk-based capital ratio | 18.1578% | 2,499 |
| Memoranda: | ||
| Average total assets | $52,219,800 | 5,738 |
| Average earning assets | $49,936,000 | 5,681 |
| Average equity | $3,981,000 | 6,094 |
| Average total loans | $25,324,400 | 5,770 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9297% | 4,053 |
| Cost of funding earning assets | 0.6759% | 1,288 |
| Net interest margin | 3.2539% | 4,781 |
| Noninterest income to average assets | 0.0893% | 6,282 |
| Noninterest expense to average assets | 2.5736% | 4,277 |
| Loan and lease loss provision to assets | 0.0255% | 3,898 |
| Net operating income to assets | 0.4613% | 5,028 |
| Return on assets (ROA) | 0.4770% | 5,043 |
| Pretax return on assets | 0.6173% | 4,975 |
| Return on Equity (ROE) | 6.3250% | 4,067 |
| Retained earnings to average equity (ytd only) | 1.5221% | 5,287 |
| Net charge-offs to loans | -0.0053% | 5,302 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5267% | 1,836 |
| Assets per employee ($millions) | 5.1529% | 2,077 |
| Cash dividends to net income (ytd only)* | 75.9355% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 3,682 |
| Loan loss allowance to noncurrent loans | 302.8037% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.4405% | 4,589 |
| Noncurrent loans to loans | 0.4269% | 4,626 |
| Net loans and leases to total assets | 48.0118% | 5,201 |
| Net loans and leases to deposits | 60.4713% | 4,900 |
| Net loans and leases to core deposits | 68.4106% | 4,468 |
| Total domestic deposits to total assets | 79.3961% | 5,243 |
| Equity capital to assets | 7.8034% | 6,209 |
| Core capital (leverage) ratio | 7.4392% | 6,301 |
| Tier 1 risk-based capital ratio | 17.7127% | 2,312 |
| Total risk-based capital ratio | 18.9651% | 2,271 |
| Memoranda: | ||
| Average total assets | $52,272,750 | 5,798 |
| Average earning assets | $49,908,750 | 5,744 |
| Average equity | $3,942,000 | 6,170 |
| Average total loans | $25,106,000 | 5,837 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9297% | 4,018 |
| Cost of funding earning assets | 0.6869% | 1,257 |
| Net interest margin | 3.2428% | 4,802 |
| Noninterest income to average assets | 0.0533% | 6,438 |
| Noninterest expense to average assets | 2.6275% | 4,146 |
| Loan and lease loss provision to assets | 0.0114% | 4,019 |
| Net operating income to assets | 0.3951% | 5,242 |
| Return on assets (ROA) | 0.4189% | 5,225 |
| Pretax return on assets | 0.5369% | 5,167 |
| Return on Equity (ROE) | 5.6185% | 4,376 |
| Retained earnings to average equity (ytd only) | 1.5323% | 5,130 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5351% | 1,565 |
| Assets per employee ($millions) | 5.2552% | 1,909 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 3,959 |
| Loan loss allowance to noncurrent loans | 2,872.7273% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 5,348 |
| Noncurrent loans to loans | 0.0446% | 5,920 |
| Net loans and leases to total assets | 46.3198% | 5,332 |
| Net loans and leases to deposits | 60.4170% | 4,830 |
| Net loans and leases to core deposits | 64.7049% | 4,754 |
| Total domestic deposits to total assets | 76.6669% | 5,839 |
| Equity capital to assets | 7.6020% | 6,324 |
| Core capital (leverage) ratio | 7.3423% | 6,358 |
| Tier 1 risk-based capital ratio | 18.3348% | 2,119 |
| Total risk-based capital ratio | 19.5894% | 2,083 |
| Memoranda: | ||
| Average total assets | $52,520,670 | 5,846 |
| Average earning assets | $50,079,670 | 5,785 |
| Average equity | $3,915,670 | 6,219 |
| Average total loans | $25,120,000 | 5,876 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8888% | 4,125 |
| Cost of funding earning assets | 0.6881% | 1,322 |
| Net interest margin | 3.2006% | 4,917 |
| Noninterest income to average assets | 0.1752% | 5,919 |
| Noninterest expense to average assets | 2.5521% | 4,439 |
| Loan and lease loss provision to assets | -0.0381% | 6,442 |
| Net operating income to assets | 0.6996% | 3,693 |
| Return on assets (ROA) | 0.5714% | 4,422 |
| Pretax return on assets | 0.5790% | 4,900 |
| Return on Equity (ROE) | 7.7399% | 3,068 |
| Retained earnings to average equity (ytd only) | -0.5160% | 5,648 |
| Net charge-offs to loans | 0.0316% | 2,961 |
| Credit loss provision to net charge-offs | -250.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 827 |
| Efficiency ratio | 79.1962% | 2,308 |
| Assets per employee ($millions) | 5.2882% | 1,922 |
| Cash dividends to net income (ytd only)* | 106.6667% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 4,535 |
| Loan loss allowance to noncurrent loans | 250.8197% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.5125% | 4,618 |
| Noncurrent loans to loans | 0.4876% | 4,697 |
| Net loans and leases to total assets | 46.7380% | 5,252 |
| Net loans and leases to deposits | 62.3417% | 4,514 |
| Net loans and leases to core deposits | 67.8228% | 4,333 |
| Total domestic deposits to total assets | 74.9707% | 6,158 |
| Equity capital to assets | 7.3522% | 6,361 |
| Core capital (leverage) ratio | 7.2980% | 6,404 |
| Tier 1 risk-based capital ratio | 17.2464% | 2,573 |
| Total risk-based capital ratio | 18.4960% | 2,535 |
| Memoranda: | ||
| Average total assets | $52,505,000 | 5,901 |
| Average earning assets | $49,990,000 | 5,840 |
| Average equity | $3,876,000 | 6,274 |
| Average total loans | $25,351,000 | 5,918 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8361% | 4,667 |
| Cost of funding earning assets | 0.8645% | 888 |
| Net interest margin | 2.9716% | 5,639 |
| Noninterest income to average assets | 0.1970% | 5,906 |
| Noninterest expense to average assets | 2.8015% | 3,717 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1772% | 5,879 |
| Return on assets (ROA) | 0.2814% | 5,679 |
| Pretax return on assets | 0.3296% | 5,648 |
| Return on Equity (ROE) | 3.5279% | 5,310 |
| Retained earnings to average equity (ytd only) | -0.0756% | 5,881 |
| Net charge-offs to loans | 0.1945% | 2,913 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2.1458% | 4,315 |
| Efficiency ratio | 93.1196% | 798 |
| Assets per employee ($millions) | 5.2128% | 1,945 |
| Cash dividends to net income (ytd only)* | 102.1429% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 4,544 |
| Loan loss allowance to noncurrent loans | 220.4225% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.5582% | 4,554 |
| Noncurrent loans to loans | 0.5530% | 4,605 |
| Net loans and leases to total assets | 48.6629% | 5,224 |
| Net loans and leases to deposits | 68.8946% | 3,920 |
| Net loans and leases to core deposits | 82.7284% | 2,809 |
| Total domestic deposits to total assets | 70.6338% | 6,495 |
| Equity capital to assets | 7.4125% | 6,325 |
| Core capital (leverage) ratio | 7.4159% | 6,407 |
| Tier 1 risk-based capital ratio | 16.5513% | 2,825 |
| Total risk-based capital ratio | 17.8012% | 2,798 |
| Memoranda: | ||
| Average total assets | $49,758,600 | 6,019 |
| Average earning assets | $47,079,600 | 5,963 |
| Average equity | $3,968,400 | 6,334 |
| Average total loans | $24,684,800 | 5,999 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8095% | 4,821 |
| Cost of funding earning assets | 0.8871% | 872 |
| Net interest margin | 2.9224% | 5,760 |
| Noninterest income to average assets | 0.2007% | 5,979 |
| Noninterest expense to average assets | 2.8393% | 3,528 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1077% | 6,121 |
| Return on assets (ROA) | 0.2332% | 5,912 |
| Pretax return on assets | 0.2630% | 5,945 |
| Return on Equity (ROE) | 2.8704% | 5,651 |
| Retained earnings to average equity (ytd only) | -1.9359% | 6,257 |
| Net charge-offs to loans | 0.2619% | 2,242 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.9375% | 4,539 |
| Efficiency ratio | 95.8791% | 632 |
| Assets per employee ($millions) | 4.9833% | 2,185 |
| Cash dividends to net income (ytd only)* | 167.4516% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2900% | 4,444 |
| Loan loss allowance to noncurrent loans | 230.1471% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.5719% | 4,734 |
| Noncurrent loans to loans | 0.5605% | 4,801 |
| Net loans and leases to total assets | 48.0605% | 5,339 |
| Net loans and leases to deposits | 63.6156% | 4,554 |
| Net loans and leases to core deposits | 77.0072% | 3,495 |
| Total domestic deposits to total assets | 75.5483% | 6,217 |
| Equity capital to assets | 7.7780% | 6,267 |
| Core capital (leverage) ratio | 7.6962% | 6,375 |
| Tier 1 risk-based capital ratio | 17.1183% | 2,660 |
| Total risk-based capital ratio | 18.3712% | 2,621 |
| Memoranda: | ||
| Average total assets | $49,166,250 | 6,100 |
| Average earning assets | $46,444,500 | 6,040 |
| Average equity | $3,994,500 | 6,401 |
| Average total loans | $24,436,000 | 6,068 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9096% | 4,438 |
| Cost of funding earning assets | 0.9145% | 831 |
| Net interest margin | 2.9950% | 5,577 |
| Noninterest income to average assets | 0.2247% | 5,834 |
| Noninterest expense to average assets | 2.7869% | 3,718 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2001% | 5,887 |
| Return on assets (ROA) | 0.3637% | 5,528 |
| Pretax return on assets | 0.4740% | 5,454 |
| Return on Equity (ROE) | 4.4125% | 5,044 |
| Retained earnings to average equity (ytd only) | 0.4462% | 5,716 |
| Net charge-offs to loans | -0.0082% | 5,732 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4209% | 940 |
| Assets per employee ($millions) | 4.3677% | 3,058 |
| Cash dividends to net income (ytd only)* | 89.8876% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 3,491 |
| Loan loss allowance to noncurrent loans | 198.9011% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.8034% | 4,219 |
| Noncurrent loans to loans | 0.7641% | 4,391 |
| Net loans and leases to total assets | 48.8209% | 5,243 |
| Net loans and leases to deposits | 63.0945% | 4,609 |
| Net loans and leases to core deposits | 72.5787% | 3,979 |
| Total domestic deposits to total assets | 77.3775% | 6,075 |
| Equity capital to assets | 8.4109% | 5,861 |
| Core capital (leverage) ratio | 7.8223% | 6,290 |
| Tier 1 risk-based capital ratio | 18.1209% | 2,280 |
| Total risk-based capital ratio | 19.3768% | 2,236 |
| Memoranda: | ||
| Average total assets | $48,944,000 | 6,147 |
| Average earning assets | $46,143,330 | 6,098 |
| Average equity | $4,034,000 | 6,446 |
| Average total loans | $24,493,670 | 6,095 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0330% | 3,988 |
| Cost of funding earning assets | 0.9115% | 937 |
| Net interest margin | 3.1215% | 5,187 |
| Noninterest income to average assets | 0.2510% | 5,664 |
| Noninterest expense to average assets | 2.7615% | 3,826 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3166% | 5,508 |
| Return on assets (ROA) | 0.5264% | 4,693 |
| Pretax return on assets | 0.7126% | 4,520 |
| Return on Equity (ROE) | 6.4508% | 3,789 |
| Retained earnings to average equity (ytd only) | -1.4886% | 6,024 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5482% | 1,452 |
| Assets per employee ($millions) | 4.4844% | 3,001 |
| Cash dividends to net income (ytd only)* | 123.0769% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 3,837 |
| Loan loss allowance to noncurrent loans | 196.1957% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.6751% | 4,687 |
| Noncurrent loans to loans | 0.7643% | 4,598 |
| Net loans and leases to total assets | 48.0741% | 5,219 |
| Net loans and leases to deposits | 62.7222% | 4,453 |
| Net loans and leases to core deposits | 71.0681% | 3,948 |
| Total domestic deposits to total assets | 76.6461% | 6,291 |
| Equity capital to assets | 8.1009% | 6,330 |
| Core capital (leverage) ratio | 7.8089% | 6,278 |
| Tier 1 risk-based capital ratio | 17.6995% | 2,480 |
| Total risk-based capital ratio | 18.9528% | 2,446 |
| Memoranda: | ||
| Average total assets | $49,393,500 | 6,196 |
| Average earning assets | $46,516,500 | 6,141 |
| Average equity | $4,030,500 | 6,507 |
| Average total loans | $24,831,500 | 6,128 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5963% | 3,017 |
| Cost of funding earning assets | 1.1397% | 772 |
| Net interest margin | 3.4566% | 4,681 |
| Noninterest income to average assets | 0.1956% | 6,018 |
| Noninterest expense to average assets | 2.9689% | 3,389 |
| Loan and lease loss provision to assets | 0.1029% | 4,356 |
| Net operating income to assets | 0.2668% | 5,583 |
| Return on assets (ROA) | 0.4983% | 4,947 |
| Pretax return on assets | 0.6465% | 4,833 |
| Return on Equity (ROE) | 5.9218% | 4,213 |
| Retained earnings to average equity (ytd only) | -1.0522% | 6,025 |
| Net charge-offs to loans | 0.0660% | 5,026 |
| Credit loss provision to net charge-offs | 294.1176% | 832 |
| Earnings coverage of net charge-offs (x) | 12.8235% | 1,895 |
| Efficiency ratio | 86.8675% | 1,343 |
| Assets per employee ($millions) | 4.4963% | 2,969 |
| Cash dividends to net income (ytd only)* | 117.7686% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4108% | 4,125 |
| Loan loss allowance to noncurrent loans | 475.0000% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.4549% | 5,343 |
| Noncurrent loans to loans | 0.2970% | 5,737 |
| Net loans and leases to total assets | 51.0059% | 5,034 |
| Net loans and leases to deposits | 65.4295% | 4,368 |
| Net loans and leases to core deposits | 73.1387% | 3,901 |
| Total domestic deposits to total assets | 77.9555% | 6,087 |
| Equity capital to assets | 8.2189% | 6,268 |
| Core capital (leverage) ratio | 7.9350% | 6,256 |
| Tier 1 risk-based capital ratio | 16.4475% | 2,921 |
| Total risk-based capital ratio | 17.7022% | 2,885 |
| Memoranda: | ||
| Average total assets | $48,569,600 | 6,252 |
| Average earning assets | $45,275,200 | 6,194 |
| Average equity | $4,086,600 | 6,547 |
| Average total loans | $25,753,000 | 6,152 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7116% | 2,766 |
| Cost of funding earning assets | 1.1920% | 720 |
| Net interest margin | 3.5196% | 4,566 |
| Noninterest income to average assets | 0.1958% | 6,125 |
| Noninterest expense to average assets | 2.9122% | 3,545 |
| Loan and lease loss provision to assets | 0.0552% | 5,051 |
| Net operating income to assets | 0.3787% | 5,332 |
| Return on assets (ROA) | 0.5736% | 4,778 |
| Pretax return on assets | 0.7584% | 4,639 |
| Return on Equity (ROE) | 6.7774% | 3,921 |
| Retained earnings to average equity (ytd only) | -2.5088% | 6,447 |
| Net charge-offs to loans | 0.0879% | 4,503 |
| Credit loss provision to net charge-offs | 117.6471% | 2,466 |
| Earnings coverage of net charge-offs (x) | 11.8805% | 2,044 |
| Efficiency ratio | 83.9428% | 1,592 |
| Assets per employee ($millions) | 4.4565% | 2,986 |
| Cash dividends to net income (ytd only)* | 137.0173% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 4,615 |
| Loan loss allowance to noncurrent loans | 428.5714% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.4610% | 5,513 |
| Noncurrent loans to loans | 0.3134% | 5,855 |
| Net loans and leases to total assets | 49.4523% | 5,379 |
| Net loans and leases to deposits | 66.9151% | 4,353 |
| Net loans and leases to core deposits | 77.0737% | 3,592 |
| Total domestic deposits to total assets | 73.9030% | 6,612 |
| Equity capital to assets | 8.2985% | 6,419 |
| Core capital (leverage) ratio | 7.9816% | 6,343 |
| Tier 1 risk-based capital ratio | 17.1714% | 2,663 |
| Total risk-based capital ratio | 18.4255% | 2,613 |
| Memoranda: | ||
| Average total assets | $48,347,250 | 6,330 |
| Average earning assets | $44,966,000 | 6,280 |
| Average equity | $4,092,000 | 6,621 |
| Average total loans | $25,794,250 | 6,227 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7857% | 2,568 |
| Cost of funding earning assets | 1.2625% | 615 |
| Net interest margin | 3.5232% | 4,581 |
| Noninterest income to average assets | 0.1829% | 6,257 |
| Noninterest expense to average assets | 2.8344% | 3,888 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4713% | 4,942 |
| Return on assets (ROA) | 0.5818% | 4,713 |
| Pretax return on assets | 0.7647% | 4,587 |
| Return on Equity (ROE) | 6.8293% | 3,869 |
| Retained earnings to average equity (ytd only) | -3.1707% | 6,482 |
| Net charge-offs to loans | 0.0076% | 5,374 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 149.0000% | 299 |
| Efficiency ratio | 82.0698% | 1,869 |
| Assets per employee ($millions) | 4.0815% | 3,695 |
| Cash dividends to net income (ytd only)* | 146.4286% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3067% | 4,862 |
| Loan loss allowance to noncurrent loans | 272.5000% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.5992% | 5,274 |
| Noncurrent loans to loans | 0.4795% | 5,568 |
| Net loans and leases to total assets | 55.0094% | 4,631 |
| Net loans and leases to deposits | 74.0407% | 3,288 |
| Net loans and leases to core deposits | 80.8386% | 3,110 |
| Total domestic deposits to total assets | 74.2962% | 6,653 |
| Equity capital to assets | 9.1144% | 5,570 |
| Core capital (leverage) ratio | 8.2002% | 6,051 |
| Tier 1 risk-based capital ratio | 16.4839% | 2,928 |
| Total risk-based capital ratio | 17.7233% | 2,897 |
| Memoranda: | ||
| Average total assets | $48,122,670 | 6,378 |
| Average earning assets | $44,675,000 | 6,329 |
| Average equity | $4,100,000 | 6,656 |
| Average total loans | $26,201,670 | 6,250 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8069% | 2,611 |
| Cost of funding earning assets | 1.2847% | 672 |
| Net interest margin | 3.5221% | 4,591 |
| Noninterest income to average assets | 0.1689% | 6,369 |
| Noninterest expense to average assets | 2.9114% | 3,582 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4102% | 5,209 |
| Return on assets (ROA) | 0.4102% | 5,396 |
| Pretax return on assets | 0.4986% | 5,434 |
| Return on Equity (ROE) | 4.9708% | 4,797 |
| Retained earnings to average equity (ytd only) | -15.0097% | 6,973 |
| Net charge-offs to loans | 0.0149% | 4,482 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 540 |
| Efficiency ratio | 85.3774% | 1,543 |
| Assets per employee ($millions) | 4.8516% | 2,448 |
| Cash dividends to net income (ytd only)* | 401.9608% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 5,126 |
| Loan loss allowance to noncurrent loans | 212.3377% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.6245% | 5,331 |
| Noncurrent loans to loans | 0.6013% | 5,458 |
| Net loans and leases to total assets | 52.1168% | 5,008 |
| Net loans and leases to deposits | 70.8442% | 3,609 |
| Net loans and leases to core deposits | 80.2011% | 3,050 |
| Total domestic deposits to total assets | 73.5654% | 6,781 |
| Equity capital to assets | 8.2839% | 6,280 |
| Core capital (leverage) ratio | 7.6732% | 6,507 |
| Tier 1 risk-based capital ratio | 15.1821% | 3,633 |
| Total risk-based capital ratio | 16.4330% | 3,589 |
| Memoranda: | ||
| Average total assets | $49,736,000 | 6,374 |
| Average earning assets | $45,768,000 | 6,336 |
| Average equity | $4,104,000 | 6,692 |
| Average total loans | $26,790,500 | 6,264 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2588% | 1,836 |
| Cost of funding earning assets | 1.5619% | 554 |
| Net interest margin | 3.6970% | 4,310 |
| Noninterest income to average assets | 0.2136% | 5,991 |
| Noninterest expense to average assets | 2.9176% | 3,890 |
| Loan and lease loss provision to assets | 0.0622% | 5,832 |
| Net operating income to assets | 0.5445% | 4,256 |
| Return on assets (ROA) | 0.5661% | 4,348 |
| Pretax return on assets | 0.7113% | 4,287 |
| Return on Equity (ROE) | 6.7245% | 3,528 |
| Retained earnings to average equity (ytd only) | 1.8474% | 4,900 |
| Net charge-offs to loans | 0.0114% | 6,270 |
| Credit loss provision to net charge-offs | 1,000.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 273 |
| Efficiency ratio | 79.6265% | 2,357 |
| Assets per employee ($millions) | 5.0956% | 2,077 |
| Cash dividends to net income (ytd only)* | 72.5275% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 5,518 |
| Loan loss allowance to noncurrent loans | 203.7267% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 6,184 |
| Noncurrent loans to loans | 0.5756% | 5,561 |
| Net loans and leases to total assets | 54.2448% | 4,999 |
| Net loans and leases to deposits | 76.6273% | 3,068 |
| Net loans and leases to core deposits | 95.5808% | 1,535 |
| Total domestic deposits to total assets | 70.7905% | 6,945 |
| Equity capital to assets | 8.2208% | 6,418 |
| Core capital (leverage) ratio | 7.9497% | 6,312 |
| Tier 1 risk-based capital ratio | 14.9650% | 3,660 |
| Total risk-based capital ratio | 16.2146% | 3,620 |
| Memoranda: | ||
| Average total assets | $48,224,200 | 6,415 |
| Average earning assets | $45,010,000 | 6,356 |
| Average equity | $4,059,800 | 6,734 |
| Average total loans | $26,386,600 | 6,332 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3058% | 1,830 |
| Cost of funding earning assets | 1.6213% | 531 |
| Net interest margin | 3.6845% | 4,409 |
| Noninterest income to average assets | 0.2047% | 6,142 |
| Noninterest expense to average assets | 3.0177% | 3,493 |
| Loan and lease loss provision to assets | 0.0841% | 5,392 |
| Net operating income to assets | 0.4769% | 4,650 |
| Return on assets (ROA) | 0.4936% | 4,762 |
| Pretax return on assets | 0.5833% | 4,869 |
| Return on Equity (ROE) | 5.8264% | 4,107 |
| Retained earnings to average equity (ytd only) | 0.7615% | 5,707 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3259% | 1,927 |
| Assets per employee ($millions) | 4.7687% | 2,526 |
| Cash dividends to net income (ytd only)* | 86.9300% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 5,162 |
| Loan loss allowance to noncurrent loans | 324.5098% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 6,525 |
| Noncurrent loans to loans | 0.3904% | 6,074 |
| Net loans and leases to total assets | 54.0944% | 5,149 |
| Net loans and leases to deposits | 78.1531% | 2,953 |
| Net loans and leases to core deposits | 92.4787% | 1,940 |
| Total domestic deposits to total assets | 69.2159% | 7,077 |
| Equity capital to assets | 8.5495% | 6,249 |
| Core capital (leverage) ratio | 7.9969% | 6,404 |
| Tier 1 risk-based capital ratio | 16.7163% | 2,759 |
| Total risk-based capital ratio | 17.9695% | 2,728 |
| Memoranda: | ||
| Average total assets | $47,541,250 | 6,497 |
| Average earning assets | $44,654,250 | 6,429 |
| Average equity | $4,027,500 | 6,794 |
| Average total loans | $25,991,000 | 6,424 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3669% | 1,665 |
| Cost of funding earning assets | 1.6766% | 514 |
| Net interest margin | 3.6903% | 4,306 |
| Noninterest income to average assets | 0.1811% | 6,362 |
| Noninterest expense to average assets | 3.0110% | 3,597 |
| Loan and lease loss provision to assets | 0.0842% | 5,262 |
| Net operating income to assets | 0.4713% | 4,639 |
| Return on assets (ROA) | 0.4969% | 4,654 |
| Pretax return on assets | 0.5727% | 4,838 |
| Return on Equity (ROE) | 5.8838% | 4,026 |
| Retained earnings to average equity (ytd only) | 1.3962% | 5,292 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7546% | 1,985 |
| Assets per employee ($millions) | 3.9662% | 3,833 |
| Cash dividends to net income (ytd only)* | 76.2712% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2354% | 5,386 |
| Loan loss allowance to noncurrent loans | 917.1429% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 6,915 |
| Noncurrent loans to loans | 0.1347% | 6,641 |
| Net loans and leases to total assets | 53.9207% | 5,306 |
| Net loans and leases to deposits | 79.6641% | 2,854 |
| Net loans and leases to core deposits | 88.8977% | 2,515 |
| Total domestic deposits to total assets | 67.6850% | 7,207 |
| Equity capital to assets | 8.5725% | 6,096 |
| Core capital (leverage) ratio | 8.0260% | 6,266 |
| Tier 1 risk-based capital ratio | 14.2921% | 3,944 |
| Total risk-based capital ratio | 15.4934% | 3,957 |
| Memoranda: | ||
| Average total assets | $47,492,670 | 6,550 |
| Average earning assets | $44,495,330 | 6,492 |
| Average equity | $4,011,000 | 6,845 |
| Average total loans | $25,945,670 | 6,487 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3844% | 1,619 |
| Cost of funding earning assets | 1.7227% | 503 |
| Net interest margin | 3.6618% | 4,274 |
| Noninterest income to average assets | 0.1771% | 6,459 |
| Noninterest expense to average assets | 3.1365% | 3,119 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4122% | 4,892 |
| Return on assets (ROA) | 0.4047% | 5,012 |
| Pretax return on assets | 0.4553% | 5,170 |
| Return on Equity (ROE) | 4.8284% | 4,489 |
| Retained earnings to average equity (ytd only) | -4.2248% | 6,445 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1194% | 1,602 |
| Assets per employee ($millions) | 3.9920% | 3,851 |
| Cash dividends to net income (ytd only)* | 187.5000% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 5,726 |
| Loan loss allowance to noncurrent loans | 912.1212% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 6,989 |
| Noncurrent loans to loans | 0.1292% | 6,723 |
| Net loans and leases to total assets | 52.7033% | 5,497 |
| Net loans and leases to deposits | 76.0933% | 3,406 |
| Net loans and leases to core deposits | 85.5889% | 2,940 |
| Total domestic deposits to total assets | 69.2614% | 7,218 |
| Equity capital to assets | 8.1997% | 6,279 |
| Core capital (leverage) ratio | 7.8797% | 6,385 |
| Tier 1 risk-based capital ratio | 13.7300% | 4,254 |
| Total risk-based capital ratio | 14.8274% | 4,340 |
| Memoranda: | ||
| Average total assets | $47,442,000 | 6,599 |
| Average earning assets | $44,350,000 | 6,551 |
| Average equity | $3,976,500 | 6,889 |
| Average total loans | $25,926,500 | 6,531 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5746% | 1,992 |
| Cost of funding earning assets | 2.0031% | 604 |
| Net interest margin | 3.5715% | 4,957 |
| Noninterest income to average assets | 0.2106% | 6,299 |
| Noninterest expense to average assets | 3.0656% | 3,604 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.3847% | 4,617 |
| Return on assets (ROA) | 0.3957% | 4,704 |
| Pretax return on assets | 0.4616% | 4,760 |
| Return on Equity (ROE) | 4.6076% | 4,246 |
| Retained earnings to average equity (ytd only) | -1.3377% | 5,863 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2276% | 1,546 |
| Assets per employee ($millions) | 3.9150% | 3,977 |
| Cash dividends to net income (ytd only)* | 129.0323% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 5,762 |
| Loan loss allowance to noncurrent loans | 885.2941% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 7,050 |
| Noncurrent loans to loans | 0.1293% | 6,815 |
| Net loans and leases to total assets | 55.3512% | 5,435 |
| Net loans and leases to deposits | 84.8667% | 2,309 |
| Net loans and leases to core deposits | 99.0817% | 1,696 |
| Total domestic deposits to total assets | 65.2214% | 7,411 |
| Equity capital to assets | 8.5675% | 5,764 |
| Core capital (leverage) ratio | 8.0498% | 6,119 |
| Tier 1 risk-based capital ratio | 13.8605% | 3,958 |
| Total risk-based capital ratio | 14.9558% | 4,030 |
| Memoranda: | ||
| Average total assets | $47,005,600 | 6,636 |
| Average earning assets | $43,483,000 | 6,600 |
| Average equity | $4,036,800 | 6,988 |
| Average total loans | $25,301,800 | 6,654 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5275% | 2,329 |
| Cost of funding earning assets | 2.0559% | 624 |
| Net interest margin | 3.4716% | 5,414 |
| Noninterest income to average assets | 0.2212% | 6,327 |
| Noninterest expense to average assets | 3.0601% | 3,533 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3047% | 5,145 |
| Return on assets (ROA) | 0.3120% | 5,290 |
| Pretax return on assets | 0.3687% | 5,319 |
| Return on Equity (ROE) | 3.6304% | 4,946 |
| Retained earnings to average equity (ytd only) | -2.6403% | 6,304 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4693% | 1,328 |
| Assets per employee ($millions) | 3.9531% | 3,932 |
| Cash dividends to net income (ytd only)* | 172.7329% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 5,514 |
| Loan loss allowance to noncurrent loans | 836.1111% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 7,151 |
| Noncurrent loans to loans | 0.1430% | 6,889 |
| Net loans and leases to total assets | 52.4253% | 6,056 |
| Net loans and leases to deposits | 82.4788% | 3,018 |
| Net loans and leases to core deposits | 101.1552% | 1,731 |
| Total domestic deposits to total assets | 63.5622% | 7,528 |
| Equity capital to assets | 8.6936% | 6,028 |
| Core capital (leverage) ratio | 8.1222% | 6,160 |
| Tier 1 risk-based capital ratio | 14.1162% | 3,752 |
| Total risk-based capital ratio | 15.2394% | 3,815 |
| Memoranda: | ||
| Average total assets | $47,012,000 | 6,718 |
| Average earning assets | $43,321,500 | 6,683 |
| Average equity | $4,039,750 | 7,075 |
| Average total loans | $25,051,000 | 6,752 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4351% | 2,822 |
| Cost of funding earning assets | 2.1054% | 643 |
| Net interest margin | 3.3297% | 5,908 |
| Noninterest income to average assets | 0.2347% | 6,227 |
| Noninterest expense to average assets | 3.0040% | 3,698 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.2331% | 5,445 |
| Return on assets (ROA) | 0.2432% | 5,542 |
| Pretax return on assets | 0.3072% | 5,475 |
| Return on Equity (ROE) | 2.8417% | 5,316 |
| Retained earnings to average equity (ytd only) | -2.1437% | 6,167 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0737% | 1,260 |
| Assets per employee ($millions) | 3.5415% | 4,814 |
| Cash dividends to net income (ytd only)* | 175.4386% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 5,422 |
| Loan loss allowance to noncurrent loans | 813.5135% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 7,195 |
| Noncurrent loans to loans | 0.1483% | 6,963 |
| Net loans and leases to total assets | 53.5491% | 6,043 |
| Net loans and leases to deposits | 83.7261% | 2,924 |
| Net loans and leases to core deposits | 105.6615% | 1,484 |
| Total domestic deposits to total assets | 63.9574% | 7,587 |
| Equity capital to assets | 8.8380% | 5,693 |
| Core capital (leverage) ratio | 8.1102% | 6,103 |
| Tier 1 risk-based capital ratio | 14.2612% | 3,568 |
| Total risk-based capital ratio | 15.3849% | 3,603 |
| Memoranda: | ||
| Average total assets | $46,870,330 | 6,765 |
| Average earning assets | $43,127,000 | 6,736 |
| Average equity | $4,011,670 | 7,120 |
| Average total loans | $25,011,330 | 6,806 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4672% | 2,747 |
| Cost of funding earning assets | 2.1277% | 740 |
| Net interest margin | 3.3395% | 5,818 |
| Noninterest income to average assets | 0.2369% | 6,260 |
| Noninterest expense to average assets | 3.1553% | 3,030 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0599% | 6,129 |
| Return on assets (ROA) | 0.0761% | 6,201 |
| Pretax return on assets | 0.1607% | 5,994 |
| Return on Equity (ROE) | 0.9038% | 6,142 |
| Retained earnings to average equity (ytd only) | -9.1388% | 6,909 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8869% | 1,030 |
| Assets per employee ($millions) | 3.9858% | 3,905 |
| Cash dividends to net income (ytd only)* | 1,111.1111% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2127% | 5,440 |
| Loan loss allowance to noncurrent loans | 477.7778% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 7,152 |
| Noncurrent loans to loans | 0.2538% | 6,829 |
| Net loans and leases to total assets | 51.2628% | 6,346 |
| Net loans and leases to deposits | 80.5645% | 3,540 |
| Net loans and leases to core deposits | 88.2042% | 3,600 |
| Total domestic deposits to total assets | 63.6295% | 7,684 |
| Equity capital to assets | 8.2208% | 6,406 |
| Core capital (leverage) ratio | 7.9580% | 6,298 |
| Tier 1 risk-based capital ratio | 13.2957% | 4,130 |
| Total risk-based capital ratio | 14.3567% | 4,227 |
| Memoranda: | ||
| Average total assets | $47,285,500 | 6,829 |
| Average earning assets | $43,240,000 | 6,811 |
| Average equity | $3,983,000 | 7,197 |
| Average total loans | $25,039,500 | 6,884 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2649% | 1,089 |
| Cost of funding earning assets | 2.4783% | 1,075 |
| Net interest margin | 3.7866% | 3,767 |
| Noninterest income to average assets | 0.2216% | 6,526 |
| Noninterest expense to average assets | 3.2364% | 3,249 |
| Loan and lease loss provision to assets | 0.0538% | 7,027 |
| Net operating income to assets | 0.3968% | 4,145 |
| Return on assets (ROA) | 0.6004% | 3,408 |
| Pretax return on assets | 0.6993% | 3,575 |
| Return on Equity (ROE) | 7.1385% | 2,742 |
| Retained earnings to average equity (ytd only) | 7.1385% | 924 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2385% | 2,082 |
| Assets per employee ($millions) | 3.5955% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 5,393 |
| Loan loss allowance to noncurrent loans | 419.4444% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 7,092 |
| Noncurrent loans to loans | 0.2850% | 6,712 |
| Net loans and leases to total assets | 53.3942% | 6,262 |
| Net loans and leases to deposits | 88.4686% | 2,478 |
| Net loans and leases to core deposits | 130.9804% | 1,229 |
| Total domestic deposits to total assets | 60.3539% | 7,795 |
| Equity capital to assets | 8.6305% | 5,691 |
| Core capital (leverage) ratio | 8.1700% | 5,869 |
| Tier 1 risk-based capital ratio | 13.8315% | 3,612 |
| Total risk-based capital ratio | 14.9128% | 3,649 |
| Memoranda: | ||
| Average total assets | $46,471,800 | 6,850 |
| Average earning assets | $43,336,800 | 6,796 |
| Average equity | $3,908,400 | 7,325 |
| Average total loans | $24,616,600 | 6,940 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2542% | 1,232 |
| Cost of funding earning assets | 2.5566% | 1,142 |
| Net interest margin | 3.6976% | 4,082 |
| Noninterest income to average assets | 0.2270% | 6,604 |
| Noninterest expense to average assets | 3.2180% | 3,240 |
| Loan and lease loss provision to assets | 0.0718% | 6,637 |
| Net operating income to assets | 0.3528% | 4,585 |
| Return on assets (ROA) | 0.5775% | 3,759 |
| Pretax return on assets | 0.6264% | 4,103 |
| Return on Equity (ROE) | 6.9123% | 3,114 |
| Retained earnings to average equity (ytd only) | 6.9123% | 1,540 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6369% | 1,903 |
| Assets per employee ($millions) | 3.5980% | 4,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1797% | 5,225 |
| Loan loss allowance to noncurrent loans | 471.8750% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 7,204 |
| Noncurrent loans to loans | 0.2500% | 6,885 |
| Net loans and leases to total assets | 54.0856% | 6,370 |
| Net loans and leases to deposits | 88.7307% | 2,831 |
| Net loans and leases to core deposits | 137.0497% | 1,050 |
| Total domestic deposits to total assets | 60.9548% | 7,853 |
| Equity capital to assets | 8.7869% | 5,822 |
| Core capital (leverage) ratio | 8.2317% | 5,959 |
| Tier 1 risk-based capital ratio | 13.7579% | 3,681 |
| Total risk-based capital ratio | 14.8307% | 3,727 |
| Memoranda: | ||
| Average total assets | $46,404,500 | 6,902 |
| Average earning assets | $43,234,000 | 6,852 |
| Average equity | $3,877,000 | 7,391 |
| Average total loans | $24,456,000 | 7,006 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3169% | 1,164 |
| Cost of funding earning assets | 2.6123% | 1,251 |
| Net interest margin | 3.7046% | 3,932 |
| Noninterest income to average assets | 0.2334% | 6,612 |
| Noninterest expense to average assets | 3.1762% | 3,410 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5142% | 4,035 |
| Return on assets (ROA) | 0.7087% | 3,320 |
| Pretax return on assets | 0.6957% | 4,012 |
| Return on Equity (ROE) | 8.6331% | 2,500 |
| Retained earnings to average equity (ytd only) | 8.6331% | 1,025 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3690% | 2,190 |
| Assets per employee ($millions) | 3.6531% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 5,385 |
| Loan loss allowance to noncurrent loans | 251.8182% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.2316% | 6,921 |
| Noncurrent loans to loans | 0.4489% | 6,401 |
| Net loans and leases to total assets | 51.0213% | 6,782 |
| Net loans and leases to deposits | 85.9494% | 3,562 |
| Net loans and leases to core deposits | 120.3317% | 2,342 |
| Total domestic deposits to total assets | 59.3620% | 7,951 |
| Equity capital to assets | 8.2438% | 6,425 |
| Core capital (leverage) ratio | 8.1701% | 6,031 |
| Tier 1 risk-based capital ratio | 14.0899% | 3,465 |
| Total risk-based capital ratio | 15.1079% | 3,537 |
| Memoranda: | ||
| Average total assets | $46,281,330 | 6,971 |
| Average earning assets | $43,027,670 | 6,927 |
| Average equity | $3,799,330 | 7,476 |
| Average total loans | $24,074,670 | 7,080 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3738% | 1,125 |
| Cost of funding earning assets | 2.6495% | 1,414 |
| Net interest margin | 3.7244% | 3,782 |
| Noninterest income to average assets | 0.2540% | 6,429 |
| Noninterest expense to average assets | 3.1876% | 3,043 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4904% | 4,466 |
| Return on assets (ROA) | 0.4904% | 4,658 |
| Pretax return on assets | 0.5254% | 5,002 |
| Return on Equity (ROE) | 5.9869% | 4,043 |
| Retained earnings to average equity (ytd only) | 5.9869% | 2,630 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8491% | 2,087 |
| Assets per employee ($millions) | 3.5392% | 4,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 5,039 |
| Loan loss allowance to noncurrent loans | 413.4328% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 7,134 |
| Noncurrent loans to loans | 0.2811% | 6,734 |
| Net loans and leases to total assets | 51.2095% | 6,754 |
| Net loans and leases to deposits | 85.4836% | 3,718 |
| Net loans and leases to core deposits | 115.1846% | 2,887 |
| Total domestic deposits to total assets | 59.9057% | 7,968 |
| Equity capital to assets | 8.3245% | 6,353 |
| Core capital (leverage) ratio | 8.2268% | 6,048 |
| Tier 1 risk-based capital ratio | 14.0779% | 3,534 |
| Total risk-based capital ratio | 15.1245% | 3,580 |
| Memoranda: | ||
| Average total assets | $45,677,000 | 7,040 |
| Average earning assets | $42,423,500 | 7,000 |
| Average equity | $3,741,500 | 7,541 |
| Average total loans | $23,858,500 | 7,140 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9442% | 1,272 |
| Cost of funding earning assets | 3.0866% | 1,545 |
| Net interest margin | 3.8576% | 3,760 |
| Noninterest income to average assets | 0.2617% | 6,580 |
| Noninterest expense to average assets | 3.0987% | 3,697 |
| Loan and lease loss provision to assets | 0.0485% | 6,809 |
| Net operating income to assets | 0.6337% | 4,175 |
| Return on assets (ROA) | -0.3077% | 6,609 |
| Pretax return on assets | -0.3247% | 6,486 |
| Return on Equity (ROE) | -4.0218% | 6,747 |
| Retained earnings to average equity (ytd only) | -4.0218% | 6,327 |
| Net charge-offs to loans | 0.0399% | 6,230 |
| Credit loss provision to net charge-offs | 222.2222% | 2,151 |
| Earnings coverage of net charge-offs (x) | 32.7778% | 1,099 |
| Efficiency ratio | 81.2579% | 2,401 |
| Assets per employee ($millions) | 3.4881% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 4,845 |
| Loan loss allowance to noncurrent loans | 307.7778% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.1985% | 6,772 |
| Noncurrent loans to loans | 0.3769% | 6,225 |
| Net loans and leases to total assets | 52.0498% | 6,841 |
| Net loans and leases to deposits | 95.7058% | 2,487 |
| Net loans and leases to core deposits | 124.1818% | 2,310 |
| Total domestic deposits to total assets | 54.3853% | 8,083 |
| Equity capital to assets | 8.0560% | 6,770 |
| Core capital (leverage) ratio | 8.3903% | 5,785 |
| Tier 1 risk-based capital ratio | 13.8738% | 3,607 |
| Total risk-based capital ratio | 14.9206% | 3,628 |
| Memoranda: | ||
| Average total assets | $41,275,000 | 7,157 |
| Average earning assets | $38,003,000 | 7,136 |
| Average equity | $3,157,800 | 7,784 |
| Average total loans | $22,568,600 | 7,161 |