Home > First Security Bank > Performance and Condition Ratios
First Security Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1274% | 1,798 |
| Cost of funding earning assets | 1.1415% | 2,951 |
| Net interest margin | 3.9859% | 1,232 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.4109% | 2,556 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.3368% | 1,355 |
| Return on assets (ROA) | 1.3368% | 1,327 |
| Pretax return on assets | 1.3368% | 1,772 |
| Return on Equity (ROE) | 10.7700% | 2,290 |
| Retained earnings to average equity (ytd only) | 5.1574% | 2,554 |
| Net charge-offs to loans | -0.0023% | 3,706 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.4364% | 2,791 |
| Assets per employee ($millions) | 5.5105% | 3,245 |
| Cash dividends to net income (ytd only)* | 52.1146% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 1,748 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 76.9600% | 977 |
| Net loans and leases to deposits | 88.0434% | 1,431 |
| Net loans and leases to core deposits | 100.3855% | 1,413 |
| Total domestic deposits to total assets | 87.4100% | 1,554 |
| Equity capital to assets | 12.0566% | 1,109 |
| Core capital (leverage) ratio | 9.6235% | 3,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $109,668,800 | 3,745 |
| Average earning assets | $99,952,600 | 3,747 |
| Average equity | $13,611,400 | 3,374 |
| Average total loans | $86,534,000 | 3,340 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9868% | 1,852 |
| Cost of funding earning assets | 0.9754% | 3,105 |
| Net interest margin | 4.0113% | 1,200 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 2.3817% | 2,577 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.3819% | 1,359 |
| Return on assets (ROA) | 1.3819% | 1,346 |
| Pretax return on assets | 1.3819% | 1,819 |
| Return on Equity (ROE) | 11.0500% | 2,361 |
| Retained earnings to average equity (ytd only) | 7.5308% | 2,136 |
| Net charge-offs to loans | 0.0125% | 1,946 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 142.5000% | 757 |
| Efficiency ratio | 61.2630% | 2,809 |
| Assets per employee ($millions) | 5.1413% | 3,484 |
| Cash dividends to net income (ytd only)* | 31.8466% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 1,677 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 75.6200% | 1,163 |
| Net loans and leases to deposits | 86.2556% | 1,540 |
| Net loans and leases to core deposits | 99.0723% | 1,373 |
| Total domestic deposits to total assets | 87.6700% | 1,675 |
| Equity capital to assets | 12.1626% | 995 |
| Core capital (leverage) ratio | 10.1084% | 2,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $108,155,750 | 3,774 |
| Average earning assets | $98,551,250 | 3,774 |
| Average equity | $13,526,250 | 3,373 |
| Average total loans | $85,609,750 | 3,350 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8390% | 1,904 |
| Cost of funding earning assets | 0.8024% | 3,194 |
| Net interest margin | 4.0366% | 1,185 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 2.3999% | 2,483 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4084% | 1,306 |
| Return on assets (ROA) | 1.4084% | 1,290 |
| Pretax return on assets | 1.4084% | 1,793 |
| Return on Equity (ROE) | 11.1500% | 2,382 |
| Retained earnings to average equity (ytd only) | 7.7327% | 2,058 |
| Net charge-offs to loans | 0.0188% | 1,524 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 93.7500% | 975 |
| Efficiency ratio | 61.3905% | 2,792 |
| Assets per employee ($millions) | 5.2873% | 3,333 |
| Cash dividends to net income (ytd only)* | 30.6667% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3668% | 1,653 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 79.5000% | 680 |
| Net loans and leases to deposits | 93.9572% | 870 |
| Net loans and leases to core deposits | 104.0701% | 1,050 |
| Total domestic deposits to total assets | 84.6200% | 2,655 |
| Equity capital to assets | 12.8298% | 854 |
| Core capital (leverage) ratio | 9.3100% | 3,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $106,504,667 | 3,801 |
| Average earning assets | $96,962,000 | 3,804 |
| Average equity | $13,449,333 | 3,395 |
| Average total loans | $85,245,333 | 3,361 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6321% | 2,007 |
| Cost of funding earning assets | 0.6289% | 3,296 |
| Net interest margin | 4.0033% | 1,256 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.3165% | 2,776 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4520% | 1,281 |
| Return on assets (ROA) | 1.4520% | 1,257 |
| Pretax return on assets | 1.4520% | 1,765 |
| Return on Equity (ROE) | 11.5900% | 2,325 |
| Retained earnings to average equity (ytd only) | 7.7966% | 2,281 |
| Net charge-offs to loans | 0.0375% | 985 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 48.5000% | 1,112 |
| Efficiency ratio | 59.7815% | 2,984 |
| Assets per employee ($millions) | 5.1384% | 3,539 |
| Cash dividends to net income (ytd only)* | 32.7320% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 1,781 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 78.5300% | 709 |
| Net loans and leases to deposits | 89.8905% | 1,056 |
| Net loans and leases to core deposits | 97.5974% | 1,201 |
| Total domestic deposits to total assets | 87.3600% | 2,148 |
| Equity capital to assets | 12.3847% | 899 |
| Core capital (leverage) ratio | 9.1393% | 3,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $106,884,000 | 3,849 |
| Average earning assets | $97,320,500 | 3,849 |
| Average equity | $13,390,500 | 3,438 |
| Average total loans | $85,249,500 | 3,400 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8526% | 2,122 |
| Cost of funding earning assets | 0.2421% | 3,393 |
| Net interest margin | 3.6106% | 1,618 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 2.0962% | 3,301 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 1.0915% | 2,214 |
| Return on assets (ROA) | 1.0915% | 2,153 |
| Pretax return on assets | 1.0915% | 2,799 |
| Return on Equity (ROE) | 8.7500% | 3,187 |
| Retained earnings to average equity (ytd only) | 4.1246% | 3,359 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.4219% | 3,128 |
| Assets per employee ($millions) | 5.0410% | 3,645 |
| Cash dividends to net income (ytd only)* | 52.8657% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3653% | 4,519 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 79.6200% | 633 |
| Net loans and leases to deposits | 92.8823% | 857 |
| Net loans and leases to core deposits | 101.2676% | 936 |
| Total domestic deposits to total assets | 85.7200% | 2,798 |
| Equity capital to assets | 12.6742% | 771 |
| Core capital (leverage) ratio | 9.1870% | 3,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $107,096,600 | 3,861 |
| Average earning assets | $97,491,600 | 3,861 |
| Average equity | $13,359,000 | 3,539 |
| Average total loans | $77,014,400 | 3,455 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6705% | 2,124 |
| Cost of funding earning assets | 0.1964% | 3,320 |
| Net interest margin | 3.4741% | 1,739 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 2.0147% | 3,442 |
| Loan and lease loss provision to assets | 0.2400% | 344 |
| Net operating income to assets | 1.0502% | 2,285 |
| Return on assets (ROA) | 1.0502% | 2,253 |
| Pretax return on assets | 1.0502% | 2,876 |
| Return on Equity (ROE) | 8.4500% | 3,186 |
| Retained earnings to average equity (ytd only) | 5.7151% | 2,851 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.0465% | 3,238 |
| Assets per employee ($millions) | 5.2811% | 3,435 |
| Cash dividends to net income (ytd only)* | 32.3877% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3084% | 4,584 |
| Loan loss allowance to noncurrent loans | 205.7377% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 2,808 |
| Noncurrent loans to loans | 0.1499% | 2,863 |
| Net loans and leases to total assets | 76.8100% | 831 |
| Net loans and leases to deposits | 88.0687% | 1,031 |
| Net loans and leases to core deposits | 94.6883% | 1,056 |
| Total domestic deposits to total assets | 87.2200% | 2,691 |
| Equity capital to assets | 12.6650% | 736 |
| Core capital (leverage) ratio | 9.2763% | 3,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $107,405,500 | 3,880 |
| Average earning assets | $97,749,000 | 3,878 |
| Average equity | $13,344,500 | 3,579 |
| Average total loans | $75,119,250 | 3,491 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4956% | 2,164 |
| Cost of funding earning assets | 0.1992% | 2,922 |
| Net interest margin | 3.2964% | 1,920 |
| Noninterest income to average assets | 0.1481% | 4,277 |
| Noninterest expense to average assets | 1.9315% | 3,630 |
| Loan and lease loss provision to assets | 0.2537% | 280 |
| Net operating income to assets | 0.9667% | 2,284 |
| Return on assets (ROA) | 0.9667% | 2,258 |
| Pretax return on assets | 0.9667% | 2,842 |
| Return on Equity (ROE) | 7.8298% | 3,063 |
| Retained earnings to average equity (ytd only) | 5.1149% | 2,661 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3420% | 3,393 |
| Assets per employee ($millions) | 4.6311% | 3,989 |
| Cash dividends to net income (ytd only)* | 34.6743% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2584% | 4,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 73.1060% | 991 |
| Net loans and leases to deposits | 84.1789% | 1,107 |
| Net loans and leases to core deposits | 89.6825% | 1,141 |
| Total domestic deposits to total assets | 86.8460% | 2,997 |
| Equity capital to assets | 13.0412% | 658 |
| Core capital (leverage) ratio | 9.3281% | 3,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,000,000 | 3,913 |
| Average earning assets | $98,410,000 | 3,925 |
| Average equity | $13,333,667 | 3,650 |
| Average total loans | $73,032,667 | 3,570 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2567% | 2,511 |
| Cost of funding earning assets | 0.1959% | 2,854 |
| Net interest margin | 3.0607% | 2,288 |
| Noninterest income to average assets | 0.1153% | 4,431 |
| Noninterest expense to average assets | 1.8333% | 3,860 |
| Loan and lease loss provision to assets | 0.2449% | 268 |
| Net operating income to assets | 0.8500% | 2,485 |
| Return on assets (ROA) | 0.8500% | 2,475 |
| Pretax return on assets | 0.8500% | 2,940 |
| Return on Equity (ROE) | 7.0675% | 3,021 |
| Retained earnings to average equity (ytd only) | 4.2525% | 2,851 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6396% | 3,416 |
| Assets per employee ($millions) | 5.0989% | 3,670 |
| Cash dividends to net income (ytd only)* | 39.8305% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1729% | 4,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 66.8771% | 1,320 |
| Net loans and leases to deposits | 80.9207% | 1,082 |
| Net loans and leases to core deposits | 86.7506% | 1,093 |
| Total domestic deposits to total assets | 82.6452% | 3,986 |
| Equity capital to assets | 12.5013% | 805 |
| Core capital (leverage) ratio | 9.4144% | 2,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,057,500 | 3,904 |
| Average earning assets | $102,067,000 | 3,914 |
| Average equity | $13,357,000 | 3,722 |
| Average total loans | $72,210,500 | 3,584 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9098% | 4,792 |
| Cost of funding earning assets | 0.0574% | 4,654 |
| Net interest margin | 0.8524% | 4,789 |
| Noninterest income to average assets | 0.0300% | 4,758 |
| Noninterest expense to average assets | 0.5521% | 4,806 |
| Loan and lease loss provision to assets | 0.0559% | 1,930 |
| Net operating income to assets | 0.2226% | 4,513 |
| Return on assets (ROA) | 0.2226% | 4,531 |
| Pretax return on assets | 0.2226% | 4,554 |
| Return on Equity (ROE) | 2.2902% | 4,467 |
| Retained earnings to average equity (ytd only) | 2.2902% | 3,889 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4231% | 2,492 |
| Assets per employee ($millions) | 5.4780% | 3,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0770% | 4,775 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 63.1365% | 1,804 |
| Net loans and leases to deposits | 75.1625% | 1,630 |
| Net loans and leases to core deposits | 80.7514% | 1,538 |
| Total domestic deposits to total assets | 84.0001% | 3,564 |
| Equity capital to assets | 11.5857% | 1,465 |
| Core capital (leverage) ratio | 9.5551% | 2,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,166,200 | 3,989 |
| Average earning assets | $94,090,000 | 3,974 |
| Average equity | $9,737,000 | 4,163 |
| Average total loans | $70,294,200 | 3,638 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3893% | 827 |
| Cost of funding earning assets | 0.3577% | 2,041 |
| Net interest margin | 4.0316% | 745 |
| Noninterest income to average assets | 0.8281% | 1,446 |
| Noninterest expense to average assets | 3.4615% | 480 |
| Loan and lease loss provision to assets | 0.7600% | 60 |
| Net operating income to assets | 0.4078% | 4,363 |
| Return on assets (ROA) | 0.4078% | 4,392 |
| Pretax return on assets | 0.4078% | 4,482 |
| Return on Equity (ROE) | 4.4497% | 4,235 |
| Retained earnings to average equity (ytd only) | 3.5749% | 3,724 |
| Net charge-offs to loans | -0.0019% | 3,209 |
| Credit loss provision to net charge-offs | -55,000.0000% | 4,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7686% | 1,150 |
| Assets per employee ($millions) | 5.0593% | 3,644 |
| Cash dividends to net income (ytd only)* | 19.6610% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 2,979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 68.9974% | 1,190 |
| Net loans and leases to deposits | 80.1937% | 1,275 |
| Net loans and leases to core deposits | 85.8226% | 1,304 |
| Total domestic deposits to total assets | 86.0384% | 2,733 |
| Equity capital to assets | 8.6129% | 4,122 |
| Core capital (leverage) ratio | 8.1722% | 4,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9623% | 2,381 |
| Memoranda: | ||
| Average total assets | $96,448,250 | 4,074 |
| Average earning assets | $90,945,750 | 4,051 |
| Average equity | $8,839,250 | 4,319 |
| Average total loans | $69,696,000 | 3,707 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3845% | 866 |
| Cost of funding earning assets | 0.3951% | 1,926 |
| Net interest margin | 3.9893% | 843 |
| Noninterest income to average assets | 1.1595% | 851 |
| Noninterest expense to average assets | 2.6141% | 1,821 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.3127% | 277 |
| Return on assets (ROA) | 2.3127% | 295 |
| Pretax return on assets | 2.3127% | 472 |
| Return on Equity (ROE) | 24.7054% | 207 |
| Retained earnings to average equity (ytd only) | 23.3991% | 86 |
| Net charge-offs to loans | -0.0029% | 3,277 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0595% | 3,924 |
| Assets per employee ($millions) | 4.7527% | 3,881 |
| Cash dividends to net income (ytd only)* | 5.2871% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4370% | 4,776 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 71.8999% | 982 |
| Net loans and leases to deposits | 85.9455% | 916 |
| Net loans and leases to core deposits | 90.7405% | 1,087 |
| Total domestic deposits to total assets | 83.6575% | 3,531 |
| Equity capital to assets | 10.0060% | 2,843 |
| Core capital (leverage) ratio | 9.3110% | 3,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7093% | 2,083 |
| Memoranda: | ||
| Average total assets | $94,869,333 | 4,120 |
| Average earning assets | $89,589,000 | 4,092 |
| Average equity | $8,880,667 | 4,335 |
| Average total loans | $69,373,000 | 3,736 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7232% | 2,302 |
| Cost of funding earning assets | 0.4206% | 1,935 |
| Net interest margin | 3.3025% | 2,385 |
| Noninterest income to average assets | 0.2195% | 4,070 |
| Noninterest expense to average assets | 2.4183% | 2,443 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9158% | 3,089 |
| Return on assets (ROA) | 0.9158% | 3,163 |
| Pretax return on assets | 0.9158% | 3,569 |
| Return on Equity (ROE) | 10.1337% | 2,650 |
| Retained earnings to average equity (ytd only) | 8.5459% | 2,079 |
| Net charge-offs to loans | -0.0057% | 3,447 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5316% | 1,445 |
| Assets per employee ($millions) | 5.0229% | 3,627 |
| Cash dividends to net income (ytd only)* | 15.6682% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4319% | 4,810 |
| Loan loss allowance to noncurrent loans | 322.5806% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 3,702 |
| Noncurrent loans to loans | 0.1339% | 3,641 |
| Net loans and leases to total assets | 72.4643% | 959 |
| Net loans and leases to deposits | 84.5802% | 1,085 |
| Net loans and leases to core deposits | 89.7304% | 1,251 |
| Total domestic deposits to total assets | 85.6752% | 2,865 |
| Equity capital to assets | 9.0700% | 3,619 |
| Core capital (leverage) ratio | 8.4731% | 4,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0553% | 2,646 |
| Memoranda: | ||
| Average total assets | $94,777,500 | 4,132 |
| Average earning assets | $89,386,000 | 4,103 |
| Average equity | $8,565,500 | 4,380 |
| Average total loans | $69,738,000 | 3,744 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2499% | 1,999 |
| Cost of funding earning assets | 0.7454% | 1,478 |
| Net interest margin | 3.5045% | 2,462 |
| Noninterest income to average assets | 0.2201% | 4,180 |
| Noninterest expense to average assets | 2.5682% | 2,645 |
| Loan and lease loss provision to assets | 0.7703% | 170 |
| Net operating income to assets | 0.1550% | 4,622 |
| Return on assets (ROA) | 0.1628% | 4,667 |
| Pretax return on assets | 0.1628% | 4,671 |
| Return on Equity (ROE) | 1.6952% | 4,598 |
| Retained earnings to average equity (ytd only) | 0.2923% | 4,429 |
| Net charge-offs to loans | 1.8140% | 51 |
| Credit loss provision to net charge-offs | 54.9239% | 3,114 |
| Earnings coverage of net charge-offs (x) | 0.6597% | 3,312 |
| Efficiency ratio | 73.5133% | 1,506 |
| Assets per employee ($millions) | 4.7060% | 3,710 |
| Cash dividends to net income (ytd only)* | 82.7586% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4270% | 4,841 |
| Loan loss allowance to noncurrent loans | 243.0894% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 3,634 |
| Noncurrent loans to loans | 0.1757% | 3,582 |
| Net loans and leases to total assets | 74.0764% | 1,016 |
| Net loans and leases to deposits | 86.4959% | 1,214 |
| Net loans and leases to core deposits | 92.7399% | 1,324 |
| Total domestic deposits to total assets | 85.6416% | 2,517 |
| Equity capital to assets | 9.0046% | 4,049 |
| Core capital (leverage) ratio | 8.4799% | 4,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5244% | 2,797 |
| Memoranda: | ||
| Average total assets | $89,052,200 | 4,125 |
| Average earning assets | $83,177,600 | 4,112 |
| Average equity | $8,553,400 | 4,366 |
| Average total loans | $68,855,000 | 3,759 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4545% | 1,690 |
| Cost of funding earning assets | 0.8111% | 1,440 |
| Net interest margin | 3.6434% | 2,113 |
| Noninterest income to average assets | 0.2202% | 4,174 |
| Noninterest expense to average assets | 2.5577% | 2,671 |
| Loan and lease loss provision to assets | 0.4557% | 701 |
| Net operating income to assets | 0.6045% | 3,749 |
| Return on assets (ROA) | 0.6151% | 3,815 |
| Pretax return on assets | 0.6151% | 4,079 |
| Return on Equity (ROE) | 6.2987% | 3,448 |
| Retained earnings to average equity (ytd only) | 4.4324% | 2,835 |
| Net charge-offs to loans | 0.0564% | 1,805 |
| Credit loss provision to net charge-offs | 1,034.4828% | 807 |
| Earnings coverage of net charge-offs (x) | 24.0690% | 1,768 |
| Efficiency ratio | 70.6969% | 1,792 |
| Assets per employee ($millions) | 4.5826% | 3,740 |
| Cash dividends to net income (ytd only)* | 29.6296% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5747% | 1,172 |
| Loan loss allowance to noncurrent loans | 90.6400% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.3639% | 666 |
| Noncurrent loans to loans | 1.7373% | 775 |
| Net loans and leases to total assets | 77.2673% | 928 |
| Net loans and leases to deposits | 90.9298% | 1,166 |
| Net loans and leases to core deposits | 97.1587% | 1,366 |
| Total domestic deposits to total assets | 84.9747% | 2,446 |
| Equity capital to assets | 9.5306% | 3,661 |
| Core capital (leverage) ratio | 8.6997% | 4,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9327% | 2,642 |
| Memoranda: | ||
| Average total assets | $87,785,500 | 4,151 |
| Average earning assets | $81,862,000 | 4,136 |
| Average equity | $8,573,000 | 4,383 |
| Average total loans | $68,564,000 | 3,780 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7030% | 1,397 |
| Cost of funding earning assets | 0.8874% | 1,432 |
| Net interest margin | 3.8156% | 1,792 |
| Noninterest income to average assets | 0.2127% | 4,216 |
| Noninterest expense to average assets | 2.6290% | 2,573 |
| Loan and lease loss provision to assets | 0.2312% | 1,819 |
| Net operating income to assets | 0.9018% | 2,681 |
| Return on assets (ROA) | 0.9180% | 2,752 |
| Pretax return on assets | 0.9180% | 3,262 |
| Return on Equity (ROE) | 9.3203% | 2,243 |
| Retained earnings to average equity (ytd only) | 6.5031% | 1,862 |
| Net charge-offs to loans | 0.0860% | 1,389 |
| Credit loss provision to net charge-offs | 344.8276% | 1,528 |
| Earnings coverage of net charge-offs (x) | 16.8966% | 1,838 |
| Efficiency ratio | 69.8832% | 1,973 |
| Assets per employee ($millions) | 4.6328% | 3,615 |
| Cash dividends to net income (ytd only)* | 30.2267% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 1,848 |
| Loan loss allowance to noncurrent loans | 74.6998% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.3480% | 746 |
| Noncurrent loans to loans | 1.7881% | 787 |
| Net loans and leases to total assets | 74.3813% | 1,363 |
| Net loans and leases to deposits | 87.8866% | 1,572 |
| Net loans and leases to core deposits | 90.1667% | 2,062 |
| Total domestic deposits to total assets | 84.6333% | 2,524 |
| Equity capital to assets | 9.4113% | 3,734 |
| Core capital (leverage) ratio | 9.1689% | 3,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4073% | 2,439 |
| Memoranda: | ||
| Average total assets | $86,496,667 | 4,172 |
| Average earning assets | $80,459,000 | 4,162 |
| Average equity | $8,519,000 | 4,403 |
| Average total loans | $67,435,333 | 3,801 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5513% | 2,151 |
| Cost of funding earning assets | 0.9598% | 1,606 |
| Net interest margin | 3.5915% | 2,696 |
| Noninterest income to average assets | 0.2110% | 4,285 |
| Noninterest expense to average assets | 2.7189% | 2,659 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8296% | 2,800 |
| Return on assets (ROA) | 0.8296% | 2,884 |
| Pretax return on assets | 0.8296% | 3,333 |
| Return on Equity (ROE) | 8.2200% | 2,420 |
| Retained earnings to average equity (ytd only) | 4.8940% | 2,322 |
| Net charge-offs to loans | 0.1752% | 759 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 5.9655% | 2,012 |
| Efficiency ratio | 76.6216% | 1,496 |
| Assets per employee ($millions) | 4.1522% | 3,718 |
| Cash dividends to net income (ytd only)* | 40.4624% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 2,337 |
| Loan loss allowance to noncurrent loans | 66.6400% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.5052% | 707 |
| Noncurrent loans to loans | 1.8914% | 777 |
| Net loans and leases to total assets | 78.5798% | 892 |
| Net loans and leases to deposits | 89.2828% | 1,599 |
| Net loans and leases to core deposits | 95.3393% | 1,858 |
| Total domestic deposits to total assets | 88.0122% | 1,101 |
| Equity capital to assets | 10.1742% | 3,626 |
| Core capital (leverage) ratio | 9.5158% | 3,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7850% | 2,367 |
| Memoranda: | ||
| Average total assets | $83,417,500 | 4,219 |
| Average earning assets | $77,516,500 | 4,209 |
| Average equity | $8,418,500 | 4,439 |
| Average total loans | $66,227,500 | 3,841 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7726% | 2,129 |
| Cost of funding earning assets | 0.8614% | 2,373 |
| Net interest margin | 3.9112% | 2,135 |
| Noninterest income to average assets | 0.0188% | 5,099 |
| Noninterest expense to average assets | 2.7065% | 2,866 |
| Loan and lease loss provision to assets | 0.3750% | 397 |
| Net operating income to assets | 0.5588% | 4,271 |
| Return on assets (ROA) | 0.5763% | 4,283 |
| Pretax return on assets | 0.5763% | 4,451 |
| Return on Equity (ROE) | 5.5570% | 4,050 |
| Retained earnings to average equity (ytd only) | 2.5314% | 3,761 |
| Net charge-offs to loans | 0.5449% | 339 |
| Credit loss provision to net charge-offs | 82.8729% | 2,758 |
| Earnings coverage of net charge-offs (x) | 2.0635% | 3,460 |
| Efficiency ratio | 74.3475% | 1,567 |
| Assets per employee ($millions) | 4.1896% | 3,646 |
| Cash dividends to net income (ytd only)* | 54.4469% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 1,927 |
| Loan loss allowance to noncurrent loans | 59.8611% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.7185% | 535 |
| Noncurrent loans to loans | 2.1698% | 577 |
| Net loans and leases to total assets | 78.1757% | 1,053 |
| Net loans and leases to deposits | 88.6473% | 1,753 |
| Net loans and leases to core deposits | 95.3813% | 1,950 |
| Total domestic deposits to total assets | 88.1874% | 1,038 |
| Equity capital to assets | 10.0105% | 3,904 |
| Core capital (leverage) ratio | 9.3249% | 4,253 |
| Tier 1 risk-based capital ratio | 12.3101% | 4,181 |
| Total risk-based capital ratio | 13.5608% | 4,048 |
| Memoranda: | ||
| Average total assets | $79,992,000 | 4,286 |
| Average earning assets | $74,068,600 | 4,286 |
| Average equity | $8,295,800 | 4,474 |
| Average total loans | $66,429,400 | 3,847 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7745% | 2,197 |
| Cost of funding earning assets | 0.7924% | 2,755 |
| Net interest margin | 3.9821% | 2,008 |
| Noninterest income to average assets | -0.0725% | 5,233 |
| Noninterest expense to average assets | 2.7192% | 2,812 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8957% | 3,362 |
| Return on assets (ROA) | 0.9193% | 3,351 |
| Pretax return on assets | 0.9193% | 3,818 |
| Return on Equity (ROE) | 8.7837% | 2,970 |
| Retained earnings to average equity (ytd only) | 5.6570% | 2,528 |
| Net charge-offs to loans | 0.7264% | 219 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1.4669% | 3,286 |
| Efficiency ratio | 75.2217% | 1,425 |
| Assets per employee ($millions) | 4.2141% | 3,592 |
| Cash dividends to net income (ytd only)* | 35.5962% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8403% | 4,274 |
| Loan loss allowance to noncurrent loans | 39.0278% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 1.7086% | 598 |
| Noncurrent loans to loans | 2.1532% | 608 |
| Net loans and leases to total assets | 78.6832% | 1,032 |
| Net loans and leases to deposits | 89.3324% | 1,773 |
| Net loans and leases to core deposits | 94.6749% | 2,114 |
| Total domestic deposits to total assets | 88.0792% | 1,004 |
| Equity capital to assets | 10.1031% | 3,917 |
| Core capital (leverage) ratio | 9.7787% | 3,884 |
| Tier 1 risk-based capital ratio | 12.3431% | 4,236 |
| Total risk-based capital ratio | 13.2173% | 4,318 |
| Memoranda: | ||
| Average total assets | $79,042,000 | 4,361 |
| Average earning assets | $73,192,000 | 4,354 |
| Average equity | $8,272,750 | 4,527 |
| Average total loans | $66,445,000 | 3,888 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8021% | 2,053 |
| Cost of funding earning assets | 0.7239% | 3,019 |
| Net interest margin | 4.0781% | 1,678 |
| Noninterest income to average assets | -0.2122% | 5,285 |
| Noninterest expense to average assets | 2.7893% | 2,633 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7737% | 3,738 |
| Return on assets (ROA) | 0.7737% | 3,803 |
| Pretax return on assets | 0.7737% | 4,153 |
| Return on Equity (ROE) | 7.2998% | 3,568 |
| Retained earnings to average equity (ytd only) | 4.3213% | 3,097 |
| Net charge-offs to loans | 0.3107% | 552 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 2.9029% | 2,894 |
| Efficiency ratio | 78.2861% | 1,114 |
| Assets per employee ($millions) | 3.8747% | 4,029 |
| Cash dividends to net income (ytd only)* | 40.8027% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 2,453 |
| Loan loss allowance to noncurrent loans | 38.1683% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 2.7757% | 242 |
| Noncurrent loans to loans | 3.1788% | 306 |
| Net loans and leases to total assets | 86.2607% | 193 |
| Net loans and leases to deposits | 102.2939% | 519 |
| Net loans and leases to core deposits | 109.2737% | 1,017 |
| Total domestic deposits to total assets | 84.3263% | 2,750 |
| Equity capital to assets | 10.7571% | 3,302 |
| Core capital (leverage) ratio | 9.9263% | 3,667 |
| Tier 1 risk-based capital ratio | 12.0310% | 4,399 |
| Total risk-based capital ratio | 13.2817% | 4,288 |
| Memoranda: | ||
| Average total assets | $77,295,670 | 4,419 |
| Average earning assets | $71,552,670 | 4,413 |
| Average equity | $8,192,000 | 4,558 |
| Average total loans | $66,301,000 | 3,920 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6598% | 2,348 |
| Cost of funding earning assets | 0.6288% | 3,411 |
| Net interest margin | 4.0310% | 1,751 |
| Noninterest income to average assets | 0.2021% | 4,547 |
| Noninterest expense to average assets | 2.7721% | 2,671 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1503% | 2,267 |
| Return on assets (ROA) | 1.1503% | 2,316 |
| Pretax return on assets | 1.1503% | 2,975 |
| Return on Equity (ROE) | 10.9360% | 1,972 |
| Retained earnings to average equity (ytd only) | 4.9261% | 2,937 |
| Net charge-offs to loans | 0.2682% | 550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 5.0455% | 2,285 |
| Efficiency ratio | 70.6737% | 2,244 |
| Assets per employee ($millions) | 3.6341% | 4,425 |
| Cash dividends to net income (ytd only)* | 54.9550% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3264% | 1,972 |
| Loan loss allowance to noncurrent loans | 39.4347% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 3.2771% | 169 |
| Noncurrent loans to loans | 3.3635% | 280 |
| Net loans and leases to total assets | 85.6834% | 214 |
| Net loans and leases to deposits | 98.9154% | 705 |
| Net loans and leases to core deposits | 100.3684% | 1,590 |
| Total domestic deposits to total assets | 86.6229% | 1,994 |
| Equity capital to assets | 10.7394% | 3,119 |
| Core capital (leverage) ratio | 9.9536% | 3,655 |
| Tier 1 risk-based capital ratio | 12.1473% | 4,383 |
| Total risk-based capital ratio | 13.3992% | 4,260 |
| Memoranda: | ||
| Average total assets | $77,197,000 | 4,467 |
| Average earning assets | $71,248,000 | 4,463 |
| Average equity | $8,120,000 | 4,604 |
| Average total loans | $65,618,000 | 3,973 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3128% | 3,065 |
| Cost of funding earning assets | 0.5388% | 3,121 |
| Net interest margin | 3.7740% | 2,761 |
| Noninterest income to average assets | -0.2721% | 5,387 |
| Noninterest expense to average assets | 2.7096% | 2,991 |
| Loan and lease loss provision to assets | 0.0244% | 3,681 |
| Net operating income to assets | 0.4721% | 4,722 |
| Return on assets (ROA) | 0.4721% | 4,723 |
| Pretax return on assets | 0.4721% | 4,840 |
| Return on Equity (ROE) | 4.5796% | 4,567 |
| Retained earnings to average equity (ytd only) | 0.4378% | 4,865 |
| Net charge-offs to loans | 0.0687% | 2,134 |
| Credit loss provision to net charge-offs | 45.4545% | 3,234 |
| Earnings coverage of net charge-offs (x) | 9.2500% | 2,827 |
| Efficiency ratio | 84.3988% | 628 |
| Assets per employee ($millions) | 3.7351% | 4,272 |
| Cash dividends to net income (ytd only)* | 90.4393% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8681% | 4,304 |
| Loan loss allowance to noncurrent loans | 25.3028% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 3.5710% | 143 |
| Noncurrent loans to loans | 3.4310% | 265 |
| Net loans and leases to total assets | 82.1067% | 631 |
| Net loans and leases to deposits | 94.6963% | 1,205 |
| Net loans and leases to core deposits | 96.0421% | 2,059 |
| Total domestic deposits to total assets | 86.7053% | 1,913 |
| Equity capital to assets | 10.7143% | 2,964 |
| Core capital (leverage) ratio | 9.9459% | 3,650 |
| Tier 1 risk-based capital ratio | 12.3796% | 4,195 |
| Total risk-based capital ratio | 13.2584% | 4,319 |
| Memoranda: | ||
| Average total assets | $81,967,800 | 4,404 |
| Average earning assets | $75,542,800 | 4,390 |
| Average equity | $8,450,600 | 4,538 |
| Average total loans | $64,048,200 | 4,001 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 3,139 |
| Cost of funding earning assets | 0.5164% | 3,088 |
| Net interest margin | 3.7368% | 2,872 |
| Noninterest income to average assets | 0.0708% | 5,293 |
| Noninterest expense to average assets | 2.6891% | 2,999 |
| Loan and lease loss provision to assets | 0.0322% | 3,377 |
| Net operating income to assets | 0.7966% | 3,915 |
| Return on assets (ROA) | 0.7966% | 3,924 |
| Pretax return on assets | 0.7966% | 4,303 |
| Return on Equity (ROE) | 7.7991% | 3,625 |
| Retained earnings to average equity (ytd only) | 3.3245% | 4,089 |
| Net charge-offs to loans | 0.0940% | 1,554 |
| Credit loss provision to net charge-offs | 44.4444% | 2,871 |
| Earnings coverage of net charge-offs (x) | 11.4442% | 2,514 |
| Efficiency ratio | 76.3038% | 1,314 |
| Assets per employee ($millions) | 4.1020% | 3,725 |
| Cash dividends to net income (ytd only)* | 57.3745% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8780% | 4,349 |
| Loan loss allowance to noncurrent loans | 25.2580% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 3.7994% | 137 |
| Noncurrent loans to loans | 3.4762% | 278 |
| Net loans and leases to total assets | 77.4732% | 1,420 |
| Net loans and leases to deposits | 88.8925% | 2,034 |
| Net loans and leases to core deposits | 90.0894% | 2,656 |
| Total domestic deposits to total assets | 87.1538% | 1,667 |
| Equity capital to assets | 10.3974% | 3,236 |
| Core capital (leverage) ratio | 9.9625% | 3,679 |
| Tier 1 risk-based capital ratio | 12.4887% | 4,205 |
| Total risk-based capital ratio | 13.3547% | 4,335 |
| Memoranda: | ||
| Average total assets | $82,850,500 | 4,424 |
| Average earning assets | $76,427,500 | 4,421 |
| Average equity | $8,462,250 | 4,578 |
| Average total loans | $63,818,750 | 4,047 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1813% | 3,166 |
| Cost of funding earning assets | 0.4959% | 3,028 |
| Net interest margin | 3.6854% | 2,988 |
| Noninterest income to average assets | 0.1925% | 4,861 |
| Noninterest expense to average assets | 2.7238% | 2,923 |
| Loan and lease loss provision to assets | 0.0481% | 2,949 |
| Net operating income to assets | 0.8181% | 3,795 |
| Return on assets (ROA) | 0.8181% | 3,802 |
| Pretax return on assets | 0.8181% | 4,198 |
| Return on Equity (ROE) | 8.0572% | 3,474 |
| Retained earnings to average equity (ytd only) | 2.7015% | 4,168 |
| Net charge-offs to loans | 0.1412% | 1,073 |
| Credit loss provision to net charge-offs | 44.4444% | 2,530 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,507 |
| Efficiency ratio | 75.6702% | 1,471 |
| Assets per employee ($millions) | 3.8025% | 4,207 |
| Cash dividends to net income (ytd only)* | 66.4706% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8752% | 4,444 |
| Loan loss allowance to noncurrent loans | 26.2471% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 3.8922% | 147 |
| Noncurrent loans to loans | 3.3344% | 310 |
| Net loans and leases to total assets | 79.8555% | 1,049 |
| Net loans and leases to deposits | 92.5232% | 1,518 |
| Net loans and leases to core deposits | 93.8109% | 2,237 |
| Total domestic deposits to total assets | 86.3086% | 2,133 |
| Equity capital to assets | 10.5895% | 3,035 |
| Core capital (leverage) ratio | 9.7895% | 3,801 |
| Tier 1 risk-based capital ratio | 12.5636% | 4,144 |
| Total risk-based capital ratio | 13.4447% | 4,253 |
| Memoranda: | ||
| Average total assets | $83,120,670 | 4,467 |
| Average earning assets | $76,626,670 | 4,458 |
| Average equity | $8,439,670 | 4,625 |
| Average total loans | $63,717,670 | 4,075 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9783% | 3,697 |
| Cost of funding earning assets | 0.4864% | 2,893 |
| Net interest margin | 3.4919% | 3,564 |
| Noninterest income to average assets | 0.1935% | 4,858 |
| Noninterest expense to average assets | 2.5533% | 3,485 |
| Loan and lease loss provision to assets | 0.0944% | 1,936 |
| Net operating income to assets | 0.7646% | 3,852 |
| Return on assets (ROA) | 0.7646% | 3,853 |
| Pretax return on assets | 0.7646% | 4,241 |
| Return on Equity (ROE) | 7.6855% | 3,513 |
| Retained earnings to average equity (ytd only) | 5.3134% | 3,032 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4122% | 1,841 |
| Assets per employee ($millions) | 4.0275% | 3,932 |
| Cash dividends to net income (ytd only)* | 30.8642% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9550% | 4,194 |
| Loan loss allowance to noncurrent loans | 27.1186% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 3.7634% | 178 |
| Noncurrent loans to loans | 3.5215% | 295 |
| Net loans and leases to total assets | 74.5569% | 1,779 |
| Net loans and leases to deposits | 85.6080% | 2,215 |
| Net loans and leases to core deposits | 106.7676% | 1,187 |
| Total domestic deposits to total assets | 87.0911% | 2,087 |
| Equity capital to assets | 9.9921% | 3,599 |
| Core capital (leverage) ratio | 9.5011% | 4,067 |
| Tier 1 risk-based capital ratio | 12.6457% | 4,142 |
| Total risk-based capital ratio | 13.6043% | 4,231 |
| Memoranda: | ||
| Average total assets | $84,754,500 | 4,479 |
| Average earning assets | $78,123,000 | 4,487 |
| Average equity | $8,431,500 | 4,680 |
| Average total loans | $63,411,500 | 4,119 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9416% | 3,603 |
| Cost of funding earning assets | 0.5102% | 2,253 |
| Net interest margin | 3.4314% | 3,749 |
| Noninterest income to average assets | 0.2131% | 4,875 |
| Noninterest expense to average assets | 2.7852% | 2,826 |
| Loan and lease loss provision to assets | 0.2327% | 829 |
| Net operating income to assets | 0.3417% | 4,848 |
| Return on assets (ROA) | 0.3417% | 4,873 |
| Pretax return on assets | 0.3417% | 5,167 |
| Return on Equity (ROE) | 3.3793% | 4,720 |
| Retained earnings to average equity (ytd only) | 3.3793% | 3,266 |
| Net charge-offs to loans | 0.0062% | 3,858 |
| Credit loss provision to net charge-offs | 4,750.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 117.2500% | 575 |
| Efficiency ratio | 82.2093% | 917 |
| Assets per employee ($millions) | 4.0444% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9310% | 4,311 |
| Loan loss allowance to noncurrent loans | 25.9488% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 3.7760% | 165 |
| Noncurrent loans to loans | 3.5879% | 277 |
| Net loans and leases to total assets | 73.6695% | 1,976 |
| Net loans and leases to deposits | 84.5458% | 2,433 |
| Net loans and leases to core deposits | 98.4501% | 1,830 |
| Total domestic deposits to total assets | 87.1356% | 1,928 |
| Equity capital to assets | 9.9044% | 3,814 |
| Core capital (leverage) ratio | 9.6496% | 3,869 |
| Tier 1 risk-based capital ratio | 12.1094% | 4,457 |
| Total risk-based capital ratio | 13.0100% | 4,566 |
| Memoranda: | ||
| Average total assets | $81,645,200 | 4,557 |
| Average earning assets | $74,868,400 | 4,568 |
| Average equity | $8,256,200 | 4,743 |
| Average total loans | $64,131,800 | 4,095 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9019% | 3,672 |
| Cost of funding earning assets | 0.5299% | 2,035 |
| Net interest margin | 3.3721% | 3,942 |
| Noninterest income to average assets | 0.2194% | 4,906 |
| Noninterest expense to average assets | 2.8407% | 2,596 |
| Loan and lease loss provision to assets | 0.2145% | 877 |
| Net operating income to assets | 0.2507% | 5,296 |
| Return on assets (ROA) | 0.2507% | 5,312 |
| Pretax return on assets | 0.2507% | 5,339 |
| Return on Equity (ROE) | 2.4663% | 5,233 |
| Retained earnings to average equity (ytd only) | 2.4663% | 4,414 |
| Net charge-offs to loans | -0.0228% | 4,892 |
| Credit loss provision to net charge-offs | -1,181.8182% | 4,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2295% | 669 |
| Assets per employee ($millions) | 3.9068% | 4,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8521% | 4,753 |
| Loan loss allowance to noncurrent loans | 18.4631% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 4.7317% | 120 |
| Noncurrent loans to loans | 4.6153% | 190 |
| Net loans and leases to total assets | 77.0084% | 1,419 |
| Net loans and leases to deposits | 88.7036% | 1,968 |
| Net loans and leases to core deposits | 102.3208% | 1,522 |
| Total domestic deposits to total assets | 86.8155% | 1,948 |
| Equity capital to assets | 10.1544% | 3,746 |
| Core capital (leverage) ratio | 9.7062% | 3,929 |
| Tier 1 risk-based capital ratio | 12.1026% | 4,546 |
| Total risk-based capital ratio | 12.9476% | 4,719 |
| Memoranda: | ||
| Average total assets | $80,823,500 | 4,620 |
| Average earning assets | $73,978,500 | 4,628 |
| Average equity | $8,217,250 | 4,795 |
| Average total loans | $64,375,500 | 4,122 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8188% | 3,831 |
| Cost of funding earning assets | 0.5669% | 1,668 |
| Net interest margin | 3.2519% | 4,258 |
| Noninterest income to average assets | 0.2238% | 4,906 |
| Noninterest expense to average assets | 2.8029% | 2,753 |
| Loan and lease loss provision to assets | 0.1741% | 1,105 |
| Net operating income to assets | 0.2288% | 5,352 |
| Return on assets (ROA) | 0.2288% | 5,370 |
| Pretax return on assets | 0.2288% | 5,406 |
| Return on Equity (ROE) | 2.2496% | 5,295 |
| Retained earnings to average equity (ytd only) | 2.2496% | 4,329 |
| Net charge-offs to loans | -0.0341% | 5,017 |
| Credit loss provision to net charge-offs | -636.3636% | 4,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7339% | 631 |
| Assets per employee ($millions) | 3.3477% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7610% | 5,048 |
| Loan loss allowance to noncurrent loans | 15.6210% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 5.2379% | 93 |
| Noncurrent loans to loans | 4.8719% | 162 |
| Net loans and leases to total assets | 81.7993% | 692 |
| Net loans and leases to deposits | 95.7785% | 1,101 |
| Net loans and leases to core deposits | 112.9699% | 851 |
| Total domestic deposits to total assets | 85.4046% | 2,646 |
| Equity capital to assets | 10.7433% | 3,086 |
| Core capital (leverage) ratio | 9.5881% | 4,030 |
| Tier 1 risk-based capital ratio | 12.0637% | 4,597 |
| Total risk-based capital ratio | 12.8190% | 4,805 |
| Memoranda: | ||
| Average total assets | $80,417,000 | 4,655 |
| Average earning assets | $73,740,670 | 4,663 |
| Average equity | $8,179,330 | 4,828 |
| Average total loans | $64,593,000 | 4,133 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2080% | 2,251 |
| Cost of funding earning assets | 0.5639% | 1,626 |
| Net interest margin | 3.6441% | 2,720 |
| Noninterest income to average assets | 0.2581% | 4,687 |
| Noninterest expense to average assets | 2.9905% | 2,188 |
| Loan and lease loss provision to assets | 0.0487% | 2,835 |
| Net operating income to assets | 0.5552% | 4,352 |
| Return on assets (ROA) | 0.5552% | 4,399 |
| Pretax return on assets | 0.5552% | 4,829 |
| Return on Equity (ROE) | 5.6068% | 4,088 |
| Retained earnings to average equity (ytd only) | 5.6068% | 2,540 |
| Net charge-offs to loans | -0.0737% | 5,346 |
| Credit loss provision to net charge-offs | -83.3333% | 3,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5203% | 1,109 |
| Assets per employee ($millions) | 3.7127% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6601% | 5,389 |
| Loan loss allowance to noncurrent loans | 22.4101% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 3.4684% | 247 |
| Noncurrent loans to loans | 2.9455% | 474 |
| Net loans and leases to total assets | 78.1219% | 1,117 |
| Net loans and leases to deposits | 93.1410% | 1,207 |
| Net loans and leases to core deposits | 111.2099% | 815 |
| Total domestic deposits to total assets | 83.8749% | 3,525 |
| Equity capital to assets | 10.0490% | 3,698 |
| Core capital (leverage) ratio | 9.3234% | 4,316 |
| Tier 1 risk-based capital ratio | 11.7596% | 4,879 |
| Total risk-based capital ratio | 12.4044% | 5,125 |
| Memoranda: | ||
| Average total assets | $82,127,000 | 4,670 |
| Average earning assets | $75,190,000 | 4,676 |
| Average equity | $8,133,000 | 4,875 |
| Average total loans | $65,156,500 | 4,151 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2812% | 2,208 |
| Cost of funding earning assets | 0.5649% | 1,567 |
| Net interest margin | 3.7163% | 2,623 |
| Noninterest income to average assets | 0.2363% | 5,003 |
| Noninterest expense to average assets | 2.8095% | 2,992 |
| Loan and lease loss provision to assets | 0.6917% | 179 |
| Net operating income to assets | 0.1334% | 5,521 |
| Return on assets (ROA) | 0.1518% | 5,533 |
| Pretax return on assets | 0.1518% | 5,539 |
| Return on Equity (ROE) | 1.5069% | 5,485 |
| Retained earnings to average equity (ytd only) | -1.9443% | 5,528 |
| Net charge-offs to loans | 0.8534% | 229 |
| Credit loss provision to net charge-offs | 101.8018% | 2,525 |
| Earnings coverage of net charge-offs (x) | 1.2144% | 4,021 |
| Efficiency ratio | 76.6588% | 1,897 |
| Assets per employee ($millions) | 3.5902% | 4,625 |
| Cash dividends to net income (ytd only)* | 229.0323% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6084% | 5,513 |
| Loan loss allowance to noncurrent loans | 26.6755% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 3.0639% | 320 |
| Noncurrent loans to loans | 2.2806% | 732 |
| Net loans and leases to total assets | 79.5371% | 962 |
| Net loans and leases to deposits | 94.4395% | 1,154 |
| Net loans and leases to core deposits | 110.3240% | 882 |
| Total domestic deposits to total assets | 84.2202% | 3,343 |
| Equity capital to assets | 9.7585% | 3,998 |
| Core capital (leverage) ratio | 9.0038% | 4,743 |
| Tier 1 risk-based capital ratio | 11.2284% | 5,206 |
| Total risk-based capital ratio | 11.8210% | 5,470 |
| Memoranda: | ||
| Average total assets | $81,687,600 | 4,703 |
| Average earning assets | $74,698,400 | 4,710 |
| Average equity | $8,229,000 | 4,894 |
| Average total loans | $65,032,600 | 4,160 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2638% | 2,283 |
| Cost of funding earning assets | 0.5471% | 1,729 |
| Net interest margin | 3.7167% | 2,653 |
| Noninterest income to average assets | 0.2389% | 5,046 |
| Noninterest expense to average assets | 2.7856% | 3,060 |
| Loan and lease loss provision to assets | 0.7201% | 155 |
| Net operating income to assets | 0.1358% | 5,578 |
| Return on assets (ROA) | 0.1604% | 5,593 |
| Pretax return on assets | 0.1604% | 5,612 |
| Return on Equity (ROE) | 1.5796% | 5,545 |
| Retained earnings to average equity (ytd only) | -2.9980% | 5,650 |
| Net charge-offs to loans | 1.1425% | 141 |
| Credit loss provision to net charge-offs | 79.2793% | 2,673 |
| Earnings coverage of net charge-offs (x) | 0.9423% | 3,749 |
| Efficiency ratio | 75.8652% | 1,994 |
| Assets per employee ($millions) | 3.7696% | 4,361 |
| Cash dividends to net income (ytd only)* | 289.8056% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4208% | 5,783 |
| Loan loss allowance to noncurrent loans | 19.7857% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 2.8420% | 432 |
| Noncurrent loans to loans | 2.1267% | 895 |
| Net loans and leases to total assets | 75.6081% | 1,595 |
| Net loans and leases to deposits | 89.1975% | 1,857 |
| Net loans and leases to core deposits | 104.4203% | 1,311 |
| Total domestic deposits to total assets | 84.7649% | 2,905 |
| Equity capital to assets | 9.4993% | 4,661 |
| Core capital (leverage) ratio | 9.1986% | 4,590 |
| Tier 1 risk-based capital ratio | 11.1044% | 5,316 |
| Total risk-based capital ratio | 11.5098% | 5,652 |
| Memoranda: | ||
| Average total assets | $81,466,000 | 4,748 |
| Average earning assets | $74,580,000 | 4,747 |
| Average equity | $8,271,750 | 4,939 |
| Average total loans | $64,771,000 | 4,194 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3272% | 2,064 |
| Cost of funding earning assets | 0.5515% | 1,685 |
| Net interest margin | 3.7756% | 2,422 |
| Noninterest income to average assets | 0.2308% | 5,103 |
| Noninterest expense to average assets | 2.9001% | 2,674 |
| Loan and lease loss provision to assets | 1.1038% | 88 |
| Net operating income to assets | -0.3211% | 5,885 |
| Return on assets (ROA) | -0.3111% | 5,895 |
| Pretax return on assets | -0.3111% | 5,883 |
| Return on Equity (ROE) | -2.9938% | 5,896 |
| Retained earnings to average equity (ytd only) | -9.8507% | 5,880 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1335% | 1,769 |
| Assets per employee ($millions) | 3.3148% | 5,043 |
| Cash dividends to net income (ytd only)* | -229.0323% | 6,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 3,027 |
| Loan loss allowance to noncurrent loans | 112.7371% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 2.1708% | 717 |
| Noncurrent loans to loans | 1.1159% | 2,061 |
| Net loans and leases to total assets | 82.0879% | 620 |
| Net loans and leases to deposits | 95.2371% | 1,163 |
| Net loans and leases to core deposits | 112.8127% | 778 |
| Total domestic deposits to total assets | 86.1932% | 2,331 |
| Equity capital to assets | 10.0911% | 4,107 |
| Core capital (leverage) ratio | 9.1333% | 4,681 |
| Tier 1 risk-based capital ratio | 10.8404% | 5,508 |
| Total risk-based capital ratio | 12.0653% | 5,441 |
| Memoranda: | ||
| Average total assets | $79,721,000 | 4,823 |
| Average earning assets | $72,888,330 | 4,822 |
| Average equity | $8,283,670 | 4,975 |
| Average total loans | $64,418,000 | 4,227 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3054% | 2,115 |
| Cost of funding earning assets | 0.5485% | 1,726 |
| Net interest margin | 3.7570% | 2,446 |
| Noninterest income to average assets | 0.2456% | 4,981 |
| Noninterest expense to average assets | 2.9322% | 2,600 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7468% | 3,500 |
| Return on assets (ROA) | 0.7468% | 3,604 |
| Pretax return on assets | 0.7468% | 4,373 |
| Return on Equity (ROE) | 7.0855% | 3,409 |
| Retained earnings to average equity (ytd only) | 0.7133% | 4,933 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0191% | 1,743 |
| Assets per employee ($millions) | 3.3531% | 5,049 |
| Cash dividends to net income (ytd only)* | 89.9329% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6171% | 5,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2290% | 1,773 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 78.4455% | 1,037 |
| Net loans and leases to deposits | 90.6987% | 1,494 |
| Net loans and leases to core deposits | 106.0885% | 1,073 |
| Total domestic deposits to total assets | 86.4902% | 2,449 |
| Equity capital to assets | 10.4790% | 3,526 |
| Core capital (leverage) ratio | 10.0135% | 3,527 |
| Tier 1 risk-based capital ratio | 12.0006% | 4,918 |
| Total risk-based capital ratio | 12.6050% | 5,212 |
| Memoranda: | ||
| Average total assets | $79,804,000 | 4,862 |
| Average earning assets | $72,931,500 | 4,864 |
| Average equity | $8,411,500 | 4,972 |
| Average total loans | $63,558,500 | 4,274 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3624% | 2,018 |
| Cost of funding earning assets | 0.5392% | 1,844 |
| Net interest margin | 3.8231% | 2,291 |
| Noninterest income to average assets | 0.1629% | 5,609 |
| Noninterest expense to average assets | 2.9325% | 2,754 |
| Loan and lease loss provision to assets | 0.0646% | 2,997 |
| Net operating income to assets | 0.6400% | 4,086 |
| Return on assets (ROA) | 0.6400% | 4,174 |
| Pretax return on assets | 0.6400% | 4,705 |
| Return on Equity (ROE) | 5.9296% | 4,067 |
| Retained earnings to average equity (ytd only) | 0.8625% | 5,174 |
| Net charge-offs to loans | 0.0851% | 2,615 |
| Credit loss provision to net charge-offs | 96.1538% | 2,635 |
| Earnings coverage of net charge-offs (x) | 10.4808% | 2,680 |
| Efficiency ratio | 79.9502% | 1,686 |
| Assets per employee ($millions) | 3.2972% | 5,159 |
| Cash dividends to net income (ytd only)* | 85.4545% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6164% | 5,774 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3016% | 1,632 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 79.8706% | 863 |
| Net loans and leases to deposits | 93.9236% | 1,209 |
| Net loans and leases to core deposits | 108.0632% | 968 |
| Total domestic deposits to total assets | 85.0378% | 3,073 |
| Equity capital to assets | 10.6024% | 3,244 |
| Core capital (leverage) ratio | 9.9427% | 3,590 |
| Tier 1 risk-based capital ratio | 12.1670% | 4,850 |
| Total risk-based capital ratio | 12.7805% | 5,143 |
| Memoranda: | ||
| Average total assets | $77,339,800 | 4,921 |
| Average earning assets | $70,283,200 | 4,933 |
| Average equity | $8,348,000 | 4,995 |
| Average total loans | $61,129,000 | 4,346 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3628% | 2,036 |
| Cost of funding earning assets | 0.5327% | 1,946 |
| Net interest margin | 3.8301% | 2,266 |
| Noninterest income to average assets | 0.1353% | 5,807 |
| Noninterest expense to average assets | 2.8819% | 2,905 |
| Loan and lease loss provision to assets | 0.0694% | 2,789 |
| Net operating income to assets | 0.6624% | 4,065 |
| Return on assets (ROA) | 0.6624% | 4,179 |
| Pretax return on assets | 0.6624% | 4,800 |
| Return on Equity (ROE) | 6.1088% | 4,105 |
| Retained earnings to average equity (ytd only) | 0.1919% | 5,552 |
| Net charge-offs to loans | 0.0617% | 2,709 |
| Credit loss provision to net charge-offs | 142.8571% | 1,745 |
| Earnings coverage of net charge-offs (x) | 15.0723% | 2,207 |
| Efficiency ratio | 79.0787% | 1,794 |
| Assets per employee ($millions) | 3.4690% | 4,850 |
| Cash dividends to net income (ytd only)* | 96.8586% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6483% | 5,820 |
| Loan loss allowance to noncurrent loans | 1,309.6774% | 446 |
| Noncurrent assets plus other real estate owned to assets | 1.3549% | 1,716 |
| Noncurrent loans to loans | 0.0495% | 5,417 |
| Net loans and leases to total assets | 77.9789% | 1,100 |
| Net loans and leases to deposits | 90.1774% | 1,621 |
| Net loans and leases to core deposits | 102.4553% | 1,344 |
| Total domestic deposits to total assets | 86.4727% | 2,297 |
| Equity capital to assets | 10.4654% | 3,635 |
| Core capital (leverage) ratio | 9.9589% | 3,695 |
| Tier 1 risk-based capital ratio | 12.2973% | 4,891 |
| Total risk-based capital ratio | 12.9447% | 5,190 |
| Memoranda: | ||
| Average total assets | $76,891,500 | 4,987 |
| Average earning assets | $69,830,750 | 4,999 |
| Average equity | $8,337,500 | 5,057 |
| Average total loans | $60,512,250 | 4,415 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3528% | 2,002 |
| Cost of funding earning assets | 0.5285% | 1,996 |
| Net interest margin | 3.8243% | 2,223 |
| Noninterest income to average assets | 0.2371% | 5,258 |
| Noninterest expense to average assets | 2.8422% | 3,093 |
| Loan and lease loss provision to assets | 0.0659% | 2,799 |
| Net operating income to assets | 0.7981% | 3,400 |
| Return on assets (ROA) | 0.7981% | 3,488 |
| Pretax return on assets | 0.7981% | 4,316 |
| Return on Equity (ROE) | 7.2720% | 3,452 |
| Retained earnings to average equity (ytd only) | -0.8880% | 5,676 |
| Net charge-offs to loans | 0.0936% | 2,089 |
| Credit loss provision to net charge-offs | 89.2857% | 2,208 |
| Earnings coverage of net charge-offs (x) | 11.7143% | 2,267 |
| Efficiency ratio | 76.0483% | 2,346 |
| Assets per employee ($millions) | 3.4095% | 4,965 |
| Cash dividends to net income (ytd only)* | 112.2112% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6389% | 5,913 |
| Loan loss allowance to noncurrent loans | 130.3333% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 2.0158% | 1,090 |
| Noncurrent loans to loans | 0.4902% | 4,005 |
| Net loans and leases to total assets | 81.0687% | 661 |
| Net loans and leases to deposits | 95.1791% | 1,033 |
| Net loans and leases to core deposits | 109.1706% | 884 |
| Total domestic deposits to total assets | 85.1749% | 3,047 |
| Equity capital to assets | 11.0655% | 2,823 |
| Core capital (leverage) ratio | 10.1583% | 3,388 |
| Tier 1 risk-based capital ratio | 12.5658% | 4,763 |
| Total risk-based capital ratio | 13.2071% | 5,079 |
| Memoranda: | ||
| Average total assets | $75,926,330 | 5,055 |
| Average earning assets | $68,875,000 | 5,060 |
| Average equity | $8,333,330 | 5,092 |
| Average total loans | $59,808,670 | 4,470 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1767% | 2,544 |
| Cost of funding earning assets | 0.5242% | 2,063 |
| Net interest margin | 3.6524% | 2,805 |
| Noninterest income to average assets | 0.2566% | 5,121 |
| Noninterest expense to average assets | 2.7021% | 3,582 |
| Loan and lease loss provision to assets | 0.0524% | 2,895 |
| Net operating income to assets | 0.8221% | 3,145 |
| Return on assets (ROA) | 0.8221% | 3,274 |
| Pretax return on assets | 0.8221% | 4,162 |
| Return on Equity (ROE) | 7.5210% | 3,209 |
| Retained earnings to average equity (ytd only) | 1.5808% | 4,842 |
| Net charge-offs to loans | 0.1895% | 1,169 |
| Credit loss provision to net charge-offs | 35.7143% | 2,220 |
| Earnings coverage of net charge-offs (x) | 5.9643% | 2,338 |
| Efficiency ratio | 74.8170% | 2,683 |
| Assets per employee ($millions) | 3.6653% | 4,585 |
| Cash dividends to net income (ytd only)* | 78.9809% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6255% | 6,025 |
| Loan loss allowance to noncurrent loans | 88.6792% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 2.3671% | 929 |
| Noncurrent loans to loans | 0.7054% | 3,510 |
| Net loans and leases to total assets | 77.6035% | 980 |
| Net loans and leases to deposits | 90.2816% | 1,360 |
| Net loans and leases to core deposits | 103.6887% | 1,084 |
| Total domestic deposits to total assets | 85.9572% | 2,966 |
| Equity capital to assets | 10.8871% | 3,104 |
| Core capital (leverage) ratio | 10.1714% | 3,377 |
| Tier 1 risk-based capital ratio | 12.8353% | 4,702 |
| Total risk-based capital ratio | 13.4598% | 5,015 |
| Memoranda: | ||
| Average total assets | $76,385,500 | 5,101 |
| Average earning assets | $69,433,500 | 5,106 |
| Average equity | $8,350,000 | 5,129 |
| Average total loans | $59,113,500 | 4,518 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1996% | 2,959 |
| Cost of funding earning assets | 0.5559% | 2,165 |
| Net interest margin | 3.6437% | 3,242 |
| Noninterest income to average assets | 0.1877% | 5,732 |
| Noninterest expense to average assets | 2.7266% | 3,761 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7416% | 3,667 |
| Return on assets (ROA) | 0.7455% | 3,749 |
| Pretax return on assets | 0.7455% | 4,461 |
| Return on Equity (ROE) | 7.0417% | 3,600 |
| Retained earnings to average equity (ytd only) | 2.7699% | 4,270 |
| Net charge-offs to loans | 0.0663% | 3,537 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 15.3784% | 2,084 |
| Efficiency ratio | 77.9030% | 2,221 |
| Assets per employee ($millions) | 3.4454% | 4,983 |
| Cash dividends to net income (ytd only)* | 60.6643% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6779% | 6,030 |
| Loan loss allowance to noncurrent loans | 120.8589% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 2.2876% | 1,047 |
| Noncurrent loans to loans | 0.5609% | 3,985 |
| Net loans and leases to total assets | 76.1540% | 1,243 |
| Net loans and leases to deposits | 88.7352% | 1,646 |
| Net loans and leases to core deposits | 103.0105% | 1,183 |
| Total domestic deposits to total assets | 85.8217% | 2,933 |
| Equity capital to assets | 10.9764% | 2,917 |
| Core capital (leverage) ratio | 9.9999% | 3,573 |
| Tier 1 risk-based capital ratio | 13.0622% | 4,686 |
| Total risk-based capital ratio | 13.7343% | 4,964 |
| Memoranda: | ||
| Average total assets | $76,725,800 | 5,134 |
| Average earning assets | $69,078,800 | 5,145 |
| Average equity | $8,123,000 | 5,172 |
| Average total loans | $55,835,600 | 4,618 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1829% | 3,054 |
| Cost of funding earning assets | 0.5549% | 2,240 |
| Net interest margin | 3.6280% | 3,319 |
| Noninterest income to average assets | 0.1992% | 5,735 |
| Noninterest expense to average assets | 2.7045% | 3,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7571% | 3,636 |
| Return on assets (ROA) | 0.7623% | 3,708 |
| Pretax return on assets | 0.7623% | 4,499 |
| Return on Equity (ROE) | 7.2661% | 3,575 |
| Retained earnings to average equity (ytd only) | 2.1468% | 4,984 |
| Net charge-offs to loans | 0.0314% | 3,860 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 33.6209% | 1,274 |
| Efficiency ratio | 77.4274% | 2,281 |
| Assets per employee ($millions) | 3.3906% | 5,062 |
| Cash dividends to net income (ytd only)* | 70.4543% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7418% | 6,015 |
| Loan loss allowance to noncurrent loans | 101.9512% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 2.3800% | 1,142 |
| Noncurrent loans to loans | 0.7276% | 3,782 |
| Net loans and leases to total assets | 71.7233% | 1,900 |
| Net loans and leases to deposits | 83.0110% | 2,286 |
| Net loans and leases to core deposits | 94.4159% | 1,817 |
| Total domestic deposits to total assets | 86.4022% | 2,638 |
| Equity capital to assets | 10.4959% | 3,564 |
| Core capital (leverage) ratio | 9.7440% | 4,009 |
| Tier 1 risk-based capital ratio | 13.2569% | 4,693 |
| Total risk-based capital ratio | 13.9900% | 4,924 |
| Memoranda: | ||
| Average total assets | $76,957,500 | 5,187 |
| Average earning assets | $69,201,250 | 5,201 |
| Average equity | $8,073,750 | 5,225 |
| Average total loans | $55,265,000 | 4,679 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2002% | 2,949 |
| Cost of funding earning assets | 0.5530% | 2,319 |
| Net interest margin | 3.6472% | 3,157 |
| Noninterest income to average assets | 0.2454% | 5,443 |
| Noninterest expense to average assets | 2.6835% | 3,928 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8327% | 3,166 |
| Return on assets (ROA) | 0.8379% | 3,231 |
| Pretax return on assets | 0.8379% | 4,130 |
| Return on Equity (ROE) | 7.9884% | 3,103 |
| Retained earnings to average equity (ytd only) | 1.6176% | 5,095 |
| Net charge-offs to loans | 0.0474% | 3,302 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 24.5385% | 1,429 |
| Efficiency ratio | 75.5754% | 2,710 |
| Assets per employee ($millions) | 3.1590% | 5,487 |
| Cash dividends to net income (ytd only)* | 79.7508% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7556% | 6,076 |
| Loan loss allowance to noncurrent loans | 137.9538% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 2.3992% | 1,200 |
| Noncurrent loans to loans | 0.5477% | 4,370 |
| Net loans and leases to total assets | 72.4178% | 1,665 |
| Net loans and leases to deposits | 84.1275% | 2,024 |
| Net loans and leases to core deposits | 95.9475% | 1,604 |
| Total domestic deposits to total assets | 86.0810% | 3,000 |
| Equity capital to assets | 10.7377% | 3,159 |
| Core capital (leverage) ratio | 9.8477% | 3,818 |
| Tier 1 risk-based capital ratio | 13.3862% | 4,657 |
| Total risk-based capital ratio | 14.1335% | 4,923 |
| Memoranda: | ||
| Average total assets | $76,615,670 | 5,234 |
| Average earning assets | $68,711,000 | 5,256 |
| Average equity | $8,036,670 | 5,264 |
| Average total loans | $54,903,330 | 4,722 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1450% | 3,108 |
| Cost of funding earning assets | 0.5631% | 2,313 |
| Net interest margin | 3.5818% | 3,329 |
| Noninterest income to average assets | 0.2545% | 5,328 |
| Noninterest expense to average assets | 2.5398% | 4,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9193% | 2,552 |
| Return on assets (ROA) | 0.9297% | 2,581 |
| Pretax return on assets | 0.9297% | 3,593 |
| Return on Equity (ROE) | 8.9674% | 2,480 |
| Retained earnings to average equity (ytd only) | -2.7553% | 5,941 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6727% | 3,366 |
| Assets per employee ($millions) | 3.5325% | 4,859 |
| Cash dividends to net income (ytd only)* | 130.7263% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 6,091 |
| Loan loss allowance to noncurrent loans | 109.3909% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 2.4577% | 1,306 |
| Noncurrent loans to loans | 0.7363% | 4,025 |
| Net loans and leases to total assets | 68.3004% | 2,174 |
| Net loans and leases to deposits | 78.8165% | 2,448 |
| Net loans and leases to core deposits | 89.6378% | 1,946 |
| Total domestic deposits to total assets | 86.6575% | 3,011 |
| Equity capital to assets | 10.2440% | 3,548 |
| Core capital (leverage) ratio | 9.6233% | 4,103 |
| Tier 1 risk-based capital ratio | 13.4858% | 4,691 |
| Total risk-based capital ratio | 14.2752% | 4,921 |
| Memoranda: | ||
| Average total assets | $77,015,000 | 5,278 |
| Average earning assets | $68,903,000 | 5,293 |
| Average equity | $7,984,500 | 5,297 |
| Average total loans | $54,693,500 | 4,766 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2564% | 3,126 |
| Cost of funding earning assets | 0.6223% | 2,459 |
| Net interest margin | 3.6341% | 3,313 |
| Noninterest income to average assets | 0.2821% | 5,339 |
| Noninterest expense to average assets | 2.6923% | 4,126 |
| Loan and lease loss provision to assets | 0.0396% | 4,329 |
| Net operating income to assets | 0.8227% | 3,172 |
| Return on assets (ROA) | 0.8227% | 3,268 |
| Pretax return on assets | 0.8227% | 4,062 |
| Return on Equity (ROE) | 7.9494% | 3,049 |
| Retained earnings to average equity (ytd only) | 5.0958% | 2,528 |
| Net charge-offs to loans | 0.3659% | 1,853 |
| Credit loss provision to net charge-offs | 15.2284% | 4,523 |
| Earnings coverage of net charge-offs (x) | 3.3198% | 3,895 |
| Efficiency ratio | 75.0371% | 2,942 |
| Assets per employee ($millions) | 3.8158% | 4,230 |
| Cash dividends to net income (ytd only)* | 35.8974% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7713% | 6,229 |
| Loan loss allowance to noncurrent loans | 160.8209% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 2.3376% | 1,493 |
| Noncurrent loans to loans | 0.4796% | 4,795 |
| Net loans and leases to total assets | 72.6532% | 1,567 |
| Net loans and leases to deposits | 84.1442% | 1,922 |
| Net loans and leases to core deposits | 96.8371% | 1,395 |
| Total domestic deposits to total assets | 86.3436% | 3,086 |
| Equity capital to assets | 10.4932% | 3,168 |
| Core capital (leverage) ratio | 9.7886% | 3,852 |
| Tier 1 risk-based capital ratio | 13.0872% | 4,918 |
| Total risk-based capital ratio | 13.8481% | 5,180 |
| Memoranda: | ||
| Average total assets | $75,846,600 | 5,330 |
| Average earning assets | $68,297,200 | 5,340 |
| Average equity | $7,849,600 | 5,382 |
| Average total loans | $53,834,000 | 4,815 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2529% | 3,190 |
| Cost of funding earning assets | 0.6327% | 2,522 |
| Net interest margin | 3.6202% | 3,360 |
| Noninterest income to average assets | 0.2887% | 5,385 |
| Noninterest expense to average assets | 2.6779% | 4,103 |
| Loan and lease loss provision to assets | 0.0528% | 3,973 |
| Net operating income to assets | 0.8222% | 3,243 |
| Return on assets (ROA) | 0.8222% | 3,358 |
| Pretax return on assets | 0.8222% | 4,212 |
| Return on Equity (ROE) | 7.9725% | 3,135 |
| Retained earnings to average equity (ytd only) | 4.8142% | 3,220 |
| Net charge-offs to loans | 0.4926% | 1,305 |
| Credit loss provision to net charge-offs | 15.2284% | 4,147 |
| Earnings coverage of net charge-offs (x) | 2.5228% | 3,991 |
| Efficiency ratio | 74.6779% | 2,953 |
| Assets per employee ($millions) | 3.8366% | 4,153 |
| Cash dividends to net income (ytd only)* | 39.6146% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7674% | 6,338 |
| Loan loss allowance to noncurrent loans | 293.1973% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 2.1673% | 1,841 |
| Noncurrent loans to loans | 0.2617% | 5,577 |
| Net loans and leases to total assets | 72.6356% | 1,511 |
| Net loans and leases to deposits | 83.8913% | 1,888 |
| Net loans and leases to core deposits | 95.0281% | 1,470 |
| Total domestic deposits to total assets | 86.5830% | 2,919 |
| Equity capital to assets | 10.2775% | 3,539 |
| Core capital (leverage) ratio | 9.7083% | 4,094 |
| Tier 1 risk-based capital ratio | 12.8944% | 5,195 |
| Total risk-based capital ratio | 13.6568% | 5,447 |
| Memoranda: | ||
| Average total assets | $75,729,250 | 5,386 |
| Average earning assets | $68,281,250 | 5,399 |
| Average equity | $7,810,000 | 5,446 |
| Average total loans | $53,323,250 | 4,879 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2384% | 3,190 |
| Cost of funding earning assets | 0.6500% | 2,494 |
| Net interest margin | 3.5884% | 3,410 |
| Noninterest income to average assets | 0.3210% | 5,139 |
| Noninterest expense to average assets | 2.7402% | 3,889 |
| Loan and lease loss provision to assets | 0.0796% | 3,466 |
| Net operating income to assets | 0.7374% | 3,627 |
| Return on assets (ROA) | 0.7374% | 3,789 |
| Pretax return on assets | 0.7374% | 4,551 |
| Return on Equity (ROE) | 7.1422% | 3,522 |
| Retained earnings to average equity (ytd only) | 3.8794% | 3,830 |
| Net charge-offs to loans | 0.7523% | 857 |
| Credit loss provision to net charge-offs | 15.2284% | 3,827 |
| Earnings coverage of net charge-offs (x) | 1.5635% | 4,008 |
| Efficiency ratio | 76.3609% | 2,732 |
| Assets per employee ($millions) | 3.3939% | 5,077 |
| Cash dividends to net income (ytd only)* | 45.6835% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8202% | 6,320 |
| Loan loss allowance to noncurrent loans | 422.5490% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 2.1670% | 1,994 |
| Noncurrent loans to loans | 0.1941% | 5,824 |
| Net loans and leases to total assets | 69.8011% | 1,919 |
| Net loans and leases to deposits | 80.8216% | 2,209 |
| Net loans and leases to core deposits | 90.7014% | 1,842 |
| Total domestic deposits to total assets | 86.3644% | 3,176 |
| Equity capital to assets | 10.4226% | 3,401 |
| Core capital (leverage) ratio | 9.5880% | 4,100 |
| Tier 1 risk-based capital ratio | 13.6155% | 4,701 |
| Total risk-based capital ratio | 14.4358% | 4,941 |
| Memoranda: | ||
| Average total assets | $75,395,330 | 5,428 |
| Average earning assets | $67,996,670 | 5,444 |
| Average equity | $7,784,670 | 5,489 |
| Average total loans | $52,376,000 | 4,936 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 3,235 |
| Cost of funding earning assets | 0.6674% | 2,504 |
| Net interest margin | 3.5479% | 3,486 |
| Noninterest income to average assets | 0.3696% | 4,711 |
| Noninterest expense to average assets | 2.7244% | 3,967 |
| Loan and lease loss provision to assets | 0.1584% | 2,285 |
| Net operating income to assets | 0.6864% | 3,754 |
| Return on assets (ROA) | 0.6864% | 3,903 |
| Pretax return on assets | 0.6864% | 4,633 |
| Return on Equity (ROE) | 6.6787% | 3,672 |
| Retained earnings to average equity (ytd only) | 4.6237% | 3,460 |
| Net charge-offs to loans | 1.4993% | 363 |
| Credit loss provision to net charge-offs | 15.3061% | 3,100 |
| Earnings coverage of net charge-offs (x) | 0.8163% | 3,557 |
| Efficiency ratio | 75.5917% | 2,991 |
| Assets per employee ($millions) | 3.3108% | 5,409 |
| Cash dividends to net income (ytd only)* | 30.7692% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8586% | 6,350 |
| Loan loss allowance to noncurrent loans | 617.1429% | 714 |
| Noncurrent assets plus other real estate owned to assets | 2.0828% | 2,252 |
| Noncurrent loans to loans | 0.1391% | 6,051 |
| Net loans and leases to total assets | 65.5040% | 2,456 |
| Net loans and leases to deposits | 75.6560% | 2,692 |
| Net loans and leases to core deposits | 85.1383% | 2,199 |
| Total domestic deposits to total assets | 86.5814% | 3,192 |
| Equity capital to assets | 10.2655% | 3,838 |
| Core capital (leverage) ratio | 9.2411% | 4,493 |
| Tier 1 risk-based capital ratio | 14.2912% | 4,295 |
| Total risk-based capital ratio | 15.1621% | 4,530 |
| Memoranda: | ||
| Average total assets | $75,760,500 | 5,466 |
| Average earning assets | $68,322,500 | 5,481 |
| Average equity | $7,786,000 | 5,548 |
| Average total loans | $52,290,000 | 4,974 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7242% | 2,497 |
| Cost of funding earning assets | 0.7391% | 3,169 |
| Net interest margin | 3.9850% | 2,460 |
| Noninterest income to average assets | 0.3575% | 4,919 |
| Noninterest expense to average assets | 2.7795% | 4,111 |
| Loan and lease loss provision to assets | 0.1359% | 3,926 |
| Net operating income to assets | 1.0547% | 2,101 |
| Return on assets (ROA) | 1.0914% | 2,153 |
| Pretax return on assets | 1.0914% | 3,188 |
| Return on Equity (ROE) | 10.2704% | 2,064 |
| Retained earnings to average equity (ytd only) | 0.4860% | 5,607 |
| Net charge-offs to loans | 0.2040% | 3,748 |
| Credit loss provision to net charge-offs | 91.7431% | 3,400 |
| Earnings coverage of net charge-offs (x) | 8.0367% | 2,486 |
| Efficiency ratio | 69.3598% | 3,920 |
| Assets per employee ($millions) | 3.1405% | 5,763 |
| Cash dividends to net income (ytd only)* | 95.2677% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1019% | 5,542 |
| Loan loss allowance to noncurrent loans | 116.3424% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 2.2979% | 2,140 |
| Noncurrent loans to loans | 0.9472% | 4,299 |
| Net loans and leases to total assets | 71.2059% | 1,616 |
| Net loans and leases to deposits | 82.2617% | 1,965 |
| Net loans and leases to core deposits | 96.4923% | 1,263 |
| Total domestic deposits to total assets | 86.5602% | 3,070 |
| Equity capital to assets | 10.2888% | 3,772 |
| Core capital (leverage) ratio | 9.2732% | 4,464 |
| Tier 1 risk-based capital ratio | 13.0461% | 5,077 |
| Total risk-based capital ratio | 14.1615% | 5,114 |
| Memoranda: | ||
| Average total assets | $73,573,200 | 5,528 |
| Average earning assets | $66,699,600 | 5,524 |
| Average equity | $7,818,600 | 5,552 |
| Average total loans | $53,437,000 | 4,968 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8038% | 2,381 |
| Cost of funding earning assets | 0.7461% | 3,380 |
| Net interest margin | 4.0577% | 2,269 |
| Noninterest income to average assets | 0.4358% | 4,386 |
| Noninterest expense to average assets | 2.7715% | 4,085 |
| Loan and lease loss provision to assets | 0.1641% | 3,466 |
| Net operating income to assets | 1.1888% | 1,777 |
| Return on assets (ROA) | 1.2381% | 1,781 |
| Pretax return on assets | 1.2381% | 2,832 |
| Return on Equity (ROE) | 11.5554% | 1,774 |
| Retained earnings to average equity (ytd only) | -0.5106% | 6,178 |
| Net charge-offs to loans | 0.2705% | 3,104 |
| Credit loss provision to net charge-offs | 83.3333% | 3,513 |
| Earnings coverage of net charge-offs (x) | 6.8702% | 2,696 |
| Efficiency ratio | 66.5782% | 4,336 |
| Assets per employee ($millions) | 3.2879% | 5,462 |
| Cash dividends to net income (ytd only)* | 104.4184% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1433% | 5,543 |
| Loan loss allowance to noncurrent loans | 105.9353% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 2.3591% | 2,252 |
| Noncurrent loans to loans | 1.0792% | 4,279 |
| Net loans and leases to total assets | 67.3468% | 2,395 |
| Net loans and leases to deposits | 77.6973% | 2,705 |
| Net loans and leases to core deposits | 89.1536% | 2,091 |
| Total domestic deposits to total assets | 86.6785% | 2,865 |
| Equity capital to assets | 10.1796% | 4,233 |
| Core capital (leverage) ratio | 9.5136% | 4,246 |
| Tier 1 risk-based capital ratio | 13.4656% | 4,899 |
| Total risk-based capital ratio | 14.6114% | 4,941 |
| Memoranda: | ||
| Average total assets | $73,123,250 | 5,599 |
| Average earning assets | $66,473,250 | 5,599 |
| Average equity | $7,834,500 | 5,602 |
| Average total loans | $53,229,250 | 5,022 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9173% | 2,038 |
| Cost of funding earning assets | 0.7665% | 3,471 |
| Net interest margin | 4.1508% | 1,901 |
| Noninterest income to average assets | 0.4316% | 4,423 |
| Noninterest expense to average assets | 2.8220% | 3,933 |
| Loan and lease loss provision to assets | 0.1660% | 3,450 |
| Net operating income to assets | 1.2339% | 1,600 |
| Return on assets (ROA) | 1.3086% | 1,568 |
| Pretax return on assets | 1.3086% | 2,527 |
| Return on Equity (ROE) | 12.0051% | 1,664 |
| Retained earnings to average equity (ytd only) | 5.2792% | 3,111 |
| Net charge-offs to loans | 0.3866% | 2,476 |
| Credit loss provision to net charge-offs | 57.6923% | 3,862 |
| Earnings coverage of net charge-offs (x) | 4.8654% | 2,968 |
| Efficiency ratio | 66.2516% | 4,493 |
| Assets per employee ($millions) | 3.1075% | 5,833 |
| Cash dividends to net income (ytd only)* | 56.0254% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 5,790 |
| Loan loss allowance to noncurrent loans | 107.6482% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 2.3351% | 2,392 |
| Noncurrent loans to loans | 1.0184% | 4,473 |
| Net loans and leases to total assets | 71.0674% | 1,729 |
| Net loans and leases to deposits | 82.9900% | 1,980 |
| Net loans and leases to core deposits | 93.9846% | 1,607 |
| Total domestic deposits to total assets | 85.6337% | 3,547 |
| Equity capital to assets | 11.0713% | 3,044 |
| Core capital (leverage) ratio | 9.9075% | 3,561 |
| Tier 1 risk-based capital ratio | 14.1269% | 4,354 |
| Total risk-based capital ratio | 15.2385% | 4,425 |
| Memoranda: | ||
| Average total assets | $72,290,330 | 5,657 |
| Average earning assets | $66,011,670 | 5,649 |
| Average equity | $7,880,000 | 5,608 |
| Average total loans | $53,799,670 | 5,039 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0256% | 1,799 |
| Cost of funding earning assets | 0.8106% | 3,388 |
| Net interest margin | 4.2150% | 1,718 |
| Noninterest income to average assets | 0.4787% | 4,074 |
| Noninterest expense to average assets | 2.7181% | 4,365 |
| Loan and lease loss provision to assets | 0.1651% | 3,324 |
| Net operating income to assets | 1.4581% | 1,104 |
| Return on assets (ROA) | 1.6066% | 953 |
| Pretax return on assets | 1.6066% | 1,551 |
| Return on Equity (ROE) | 14.8534% | 1,001 |
| Retained earnings to average equity (ytd only) | 14.8534% | 463 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9772% | 5,277 |
| Assets per employee ($millions) | 3.3487% | 5,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 5,670 |
| Loan loss allowance to noncurrent loans | 38.2124% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 2.6469% | 2,235 |
| Noncurrent loans to loans | 3.0373% | 2,130 |
| Net loans and leases to total assets | 73.6345% | 1,124 |
| Net loans and leases to deposits | 85.6836% | 1,452 |
| Net loans and leases to core deposits | 98.3466% | 1,107 |
| Total domestic deposits to total assets | 85.9377% | 3,563 |
| Equity capital to assets | 10.8779% | 3,053 |
| Core capital (leverage) ratio | 9.8328% | 3,595 |
| Tier 1 risk-based capital ratio | 13.7244% | 4,664 |
| Total risk-based capital ratio | 14.9329% | 4,674 |
| Memoranda: | ||
| Average total assets | $72,699,000 | 5,689 |
| Average earning assets | $66,619,000 | 5,667 |
| Average equity | $7,863,500 | 5,638 |
| Average total loans | $55,021,000 | 5,024 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2606% | 1,832 |
| Cost of funding earning assets | 1.1269% | 2,489 |
| Net interest margin | 4.1336% | 2,293 |
| Noninterest income to average assets | 0.4944% | 3,887 |
| Noninterest expense to average assets | 2.9137% | 3,903 |
| Loan and lease loss provision to assets | 0.2425% | 3,782 |
| Net operating income to assets | 0.9699% | 2,322 |
| Return on assets (ROA) | 0.9874% | 2,389 |
| Pretax return on assets | 0.9874% | 3,286 |
| Return on Equity (ROE) | 10.0252% | 2,054 |
| Retained earnings to average equity (ytd only) | 10.0252% | 564 |
| Net charge-offs to loans | 0.5847% | 2,697 |
| Credit loss provision to net charge-offs | 55.5556% | 5,280 |
| Earnings coverage of net charge-offs (x) | 2.7778% | 3,835 |
| Efficiency ratio | 69.9967% | 3,961 |
| Assets per employee ($millions) | 3.1185% | 5,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 5,807 |
| Loan loss allowance to noncurrent loans | 36.6989% | 5,797 |
| Noncurrent assets plus other real estate owned to assets | 2.7006% | 2,253 |
| Noncurrent loans to loans | 2.9987% | 2,167 |
| Net loans and leases to total assets | 76.0533% | 947 |
| Net loans and leases to deposits | 88.4748% | 1,324 |
| Net loans and leases to core deposits | 103.6265% | 922 |
| Total domestic deposits to total assets | 85.9605% | 3,342 |
| Equity capital to assets | 10.7534% | 3,242 |
| Core capital (leverage) ratio | 9.5534% | 3,940 |
| Tier 1 risk-based capital ratio | 13.0096% | 5,064 |
| Total risk-based capital ratio | 14.1478% | 5,133 |
| Memoranda: | ||
| Average total assets | $74,235,400 | 5,633 |
| Average earning assets | $65,221,200 | 5,693 |
| Average equity | $7,311,600 | 5,772 |
| Average total loans | $55,414,600 | 5,054 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2750% | 1,956 |
| Cost of funding earning assets | 1.1893% | 2,389 |
| Net interest margin | 4.0857% | 2,529 |
| Noninterest income to average assets | 0.5895% | 3,236 |
| Noninterest expense to average assets | 2.9244% | 3,822 |
| Loan and lease loss provision to assets | 0.2850% | 3,238 |
| Net operating income to assets | 0.9350% | 2,594 |
| Return on assets (ROA) | 0.9582% | 2,661 |
| Pretax return on assets | 0.9582% | 3,565 |
| Return on Equity (ROE) | 9.9472% | 2,220 |
| Retained earnings to average equity (ytd only) | 9.9472% | 858 |
| Net charge-offs to loans | 0.6945% | 2,177 |
| Credit loss provision to net charge-offs | 55.3633% | 4,915 |
| Earnings coverage of net charge-offs (x) | 2.3703% | 3,944 |
| Efficiency ratio | 69.9613% | 3,962 |
| Assets per employee ($millions) | 3.3862% | 5,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 5,837 |
| Loan loss allowance to noncurrent loans | 30.8685% | 6,202 |
| Noncurrent assets plus other real estate owned to assets | 2.8418% | 2,282 |
| Noncurrent loans to loans | 3.6048% | 1,906 |
| Net loans and leases to total assets | 74.2000% | 1,306 |
| Net loans and leases to deposits | 85.5268% | 1,749 |
| Net loans and leases to core deposits | 98.4627% | 1,391 |
| Total domestic deposits to total assets | 86.7563% | 2,790 |
| Equity capital to assets | 10.0918% | 4,218 |
| Core capital (leverage) ratio | 9.1621% | 4,688 |
| Tier 1 risk-based capital ratio | 12.6626% | 5,354 |
| Total risk-based capital ratio | 13.8315% | 5,405 |
| Memoranda: | ||
| Average total assets | $74,862,750 | 5,654 |
| Average earning assets | $65,135,750 | 5,739 |
| Average equity | $7,211,250 | 5,840 |
| Average total loans | $55,479,000 | 5,095 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2580% | 2,035 |
| Cost of funding earning assets | 1.2568% | 2,210 |
| Net interest margin | 4.0012% | 2,833 |
| Noninterest income to average assets | 0.7228% | 2,422 |
| Noninterest expense to average assets | 2.9846% | 3,701 |
| Loan and lease loss provision to assets | 0.1600% | 4,321 |
| Net operating income to assets | 1.0002% | 2,228 |
| Return on assets (ROA) | 1.0002% | 2,330 |
| Pretax return on assets | 1.0002% | 3,242 |
| Return on Equity (ROE) | 10.5500% | 1,936 |
| Retained earnings to average equity (ytd only) | 10.5500% | 739 |
| Net charge-offs to loans | 0.2494% | 3,633 |
| Credit loss provision to net charge-offs | 86.9565% | 3,555 |
| Earnings coverage of net charge-offs (x) | 6.3043% | 2,423 |
| Efficiency ratio | 71.3642% | 3,862 |
| Assets per employee ($millions) | 3.1960% | 5,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 4,945 |
| Loan loss allowance to noncurrent loans | 32.7594% | 6,106 |
| Noncurrent assets plus other real estate owned to assets | 3.2963% | 2,021 |
| Noncurrent loans to loans | 4.0467% | 1,710 |
| Net loans and leases to total assets | 75.1357% | 1,217 |
| Net loans and leases to deposits | 86.5091% | 1,714 |
| Net loans and leases to core deposits | 99.1082% | 1,427 |
| Total domestic deposits to total assets | 86.8530% | 2,818 |
| Equity capital to assets | 9.9664% | 4,200 |
| Core capital (leverage) ratio | 8.7602% | 5,113 |
| Tier 1 risk-based capital ratio | 12.3158% | 5,505 |
| Total risk-based capital ratio | 13.5682% | 5,478 |
| Memoranda: | ||
| Average total assets | $74,985,000 | 5,693 |
| Average earning assets | $64,130,670 | 5,822 |
| Average equity | $7,109,000 | 5,893 |
| Average total loans | $55,339,330 | 5,155 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1546% | 2,410 |
| Cost of funding earning assets | 1.3511% | 1,881 |
| Net interest margin | 3.8035% | 3,598 |
| Noninterest income to average assets | 1.0565% | 1,178 |
| Noninterest expense to average assets | 2.9687% | 3,771 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2255% | 1,460 |
| Return on assets (ROA) | 1.2255% | 1,515 |
| Pretax return on assets | 1.2255% | 2,293 |
| Return on Equity (ROE) | 13.2562% | 1,134 |
| Retained earnings to average equity (ytd only) | 13.2562% | 549 |
| Net charge-offs to loans | -0.0800% | 7,019 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1511% | 4,228 |
| Assets per employee ($millions) | 3.2133% | 5,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4179% | 4,573 |
| Loan loss allowance to noncurrent loans | 35.0990% | 5,955 |
| Noncurrent assets plus other real estate owned to assets | 2.9474% | 2,348 |
| Noncurrent loans to loans | 4.0398% | 1,797 |
| Net loans and leases to total assets | 68.6973% | 2,403 |
| Net loans and leases to deposits | 78.3061% | 3,008 |
| Net loans and leases to core deposits | 88.7508% | 2,513 |
| Total domestic deposits to total assets | 87.7292% | 2,537 |
| Equity capital to assets | 9.2404% | 4,827 |
| Core capital (leverage) ratio | 8.0377% | 6,205 |
| Tier 1 risk-based capital ratio | 12.6216% | 5,142 |
| Total risk-based capital ratio | 13.8755% | 5,121 |
| Memoranda: | ||
| Average total assets | $75,724,000 | 5,710 |
| Average earning assets | $62,468,000 | 5,920 |
| Average equity | $7,000,500 | 5,924 |
| Average total loans | $55,023,000 | 5,211 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5308% | 2,158 |
| Cost of funding earning assets | 1.6030% | 2,055 |
| Net interest margin | 3.9278% | 3,358 |
| Noninterest income to average assets | 0.4052% | 4,871 |
| Noninterest expense to average assets | 2.7871% | 4,651 |
| Loan and lease loss provision to assets | 2.3330% | 511 |
| Net operating income to assets | -1.2718% | 6,818 |
| Return on assets (ROA) | -1.2106% | 6,812 |
| Pretax return on assets | -1.2106% | 6,745 |
| Return on Equity (ROE) | -14.5836% | 6,907 |
| Retained earnings to average equity (ytd only) | -14.5836% | 6,869 |
| Net charge-offs to loans | 3.0285% | 541 |
| Credit loss provision to net charge-offs | 103.2503% | 4,367 |
| Earnings coverage of net charge-offs (x) | 0.4697% | 5,643 |
| Efficiency ratio | 71.8193% | 3,829 |
| Assets per employee ($millions) | 2.9732% | 6,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 4,832 |
| Loan loss allowance to noncurrent loans | 50.0667% | 4,996 |
| Noncurrent assets plus other real estate owned to assets | 2.5050% | 2,767 |
| Noncurrent loans to loans | 2.6640% | 2,851 |
| Net loans and leases to total assets | 74.7410% | 1,533 |
| Net loans and leases to deposits | 85.3733% | 2,211 |
| Net loans and leases to core deposits | 96.5485% | 1,936 |
| Total domestic deposits to total assets | 87.5461% | 2,520 |
| Equity capital to assets | 9.2493% | 4,755 |
| Core capital (leverage) ratio | 8.1487% | 5,913 |
| Tier 1 risk-based capital ratio | 11.2705% | 6,117 |
| Total risk-based capital ratio | 12.5220% | 6,098 |
| Memoranda: | ||
| Average total assets | $81,697,800 | 5,544 |
| Average earning assets | $71,617,600 | 5,616 |
| Average equity | $6,781,600 | 6,107 |
| Average total loans | $60,954,600 | 5,031 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4925% | 2,453 |
| Cost of funding earning assets | 1.6281% | 2,229 |
| Net interest margin | 3.8644% | 3,679 |
| Noninterest income to average assets | 0.4533% | 4,533 |
| Noninterest expense to average assets | 2.7180% | 4,801 |
| Loan and lease loss provision to assets | 3.1218% | 266 |
| Net operating income to assets | -1.9695% | 7,231 |
| Return on assets (ROA) | -1.9599% | 7,245 |
| Pretax return on assets | -1.9599% | 7,186 |
| Return on Equity (ROE) | -24.2265% | 7,300 |
| Retained earnings to average equity (ytd only) | -24.2265% | 7,290 |
| Net charge-offs to loans | 4.0739% | 294 |
| Credit loss provision to net charge-offs | 103.0558% | 4,167 |
| Earnings coverage of net charge-offs (x) | 0.3804% | 5,649 |
| Efficiency ratio | 69.6495% | 4,145 |
| Assets per employee ($millions) | 3.2172% | 5,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 4,892 |
| Loan loss allowance to noncurrent loans | 49.0183% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 2.8259% | 2,571 |
| Noncurrent loans to loans | 2.6763% | 2,957 |
| Net loans and leases to total assets | 72.9735% | 2,016 |
| Net loans and leases to deposits | 82.2351% | 3,060 |
| Net loans and leases to core deposits | 92.7856% | 2,690 |
| Total domestic deposits to total assets | 88.7376% | 1,539 |
| Equity capital to assets | 8.1994% | 6,614 |
| Core capital (leverage) ratio | 6.6135% | 7,307 |
| Tier 1 risk-based capital ratio | 10.0107% | 7,065 |
| Total risk-based capital ratio | 11.2630% | 7,049 |
| Memoranda: | ||
| Average total assets | $83,539,750 | 5,553 |
| Average earning assets | $73,868,750 | 5,611 |
| Average equity | $6,758,250 | 6,197 |
| Average total loans | $62,116,750 | 5,062 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3780% | 3,073 |
| Cost of funding earning assets | 1.5994% | 2,659 |
| Net interest margin | 3.7786% | 4,003 |
| Noninterest income to average assets | 0.5021% | 4,102 |
| Noninterest expense to average assets | 2.7017% | 4,899 |
| Loan and lease loss provision to assets | 4.5675% | 141 |
| Net operating income to assets | -3.3579% | 7,560 |
| Return on assets (ROA) | -3.3579% | 7,564 |
| Pretax return on assets | -3.3579% | 7,523 |
| Return on Equity (ROE) | -41.6771% | 7,543 |
| Retained earnings to average equity (ytd only) | -41.6771% | 7,535 |
| Net charge-offs to loans | 5.9632% | 135 |
| Credit loss provision to net charge-offs | 102.8391% | 3,966 |
| Earnings coverage of net charge-offs (x) | 0.2723% | 5,454 |
| Efficiency ratio | 69.0746% | 4,364 |
| Assets per employee ($millions) | 3.2786% | 5,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 5,207 |
| Loan loss allowance to noncurrent loans | 47.3617% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 2.7939% | 2,586 |
| Noncurrent loans to loans | 2.6310% | 3,008 |
| Net loans and leases to total assets | 72.0353% | 2,392 |
| Net loans and leases to deposits | 80.4061% | 3,532 |
| Net loans and leases to core deposits | 94.8939% | 2,598 |
| Total domestic deposits to total assets | 89.5893% | 1,134 |
| Equity capital to assets | 7.5094% | 7,109 |
| Core capital (leverage) ratio | 6.2785% | 7,435 |
| Tier 1 risk-based capital ratio | 8.8884% | 7,436 |
| Total risk-based capital ratio | 10.1392% | 7,450 |
| Memoranda: | ||
| Average total assets | $85,648,670 | 5,515 |
| Average earning assets | $77,277,330 | 5,539 |
| Average equity | $6,900,670 | 6,173 |
| Average total loans | $63,791,000 | 5,023 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4505% | 2,820 |
| Cost of funding earning assets | 1.6099% | 2,898 |
| Net interest margin | 3.8405% | 3,620 |
| Noninterest income to average assets | 0.6355% | 3,038 |
| Noninterest expense to average assets | 2.6471% | 5,158 |
| Loan and lease loss provision to assets | 4.4622% | 184 |
| Net operating income to assets | -2.9946% | 7,641 |
| Return on assets (ROA) | -2.9946% | 7,637 |
| Pretax return on assets | -2.9946% | 7,598 |
| Return on Equity (ROE) | -36.0212% | 7,623 |
| Retained earnings to average equity (ytd only) | -36.0212% | 7,605 |
| Net charge-offs to loans | 5.3806% | 215 |
| Credit loss provision to net charge-offs | 110.2825% | 3,124 |
| Earnings coverage of net charge-offs (x) | 0.3627% | 4,714 |
| Efficiency ratio | 64.3333% | 5,430 |
| Assets per employee ($millions) | 4.0712% | 3,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 5,583 |
| Loan loss allowance to noncurrent loans | 35.0515% | 6,044 |
| Noncurrent assets plus other real estate owned to assets | 3.3206% | 2,156 |
| Noncurrent loans to loans | 3.3756% | 2,373 |
| Net loans and leases to total assets | 76.3884% | 1,458 |
| Net loans and leases to deposits | 85.7366% | 2,635 |
| Net loans and leases to core deposits | 100.7249% | 2,057 |
| Total domestic deposits to total assets | 89.0966% | 1,471 |
| Equity capital to assets | 8.1185% | 6,519 |
| Core capital (leverage) ratio | 6.8752% | 7,313 |
| Tier 1 risk-based capital ratio | 9.4844% | 7,313 |
| Total risk-based capital ratio | 10.7059% | 7,322 |
| Memoranda: | ||
| Average total assets | $87,491,000 | 5,527 |
| Average earning assets | $79,259,500 | 5,532 |
| Average equity | $7,273,500 | 6,092 |
| Average total loans | $65,792,500 | 5,004 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9683% | 1,997 |
| Cost of funding earning assets | 1.8753% | 3,596 |
| Net interest margin | 4.0930% | 2,489 |
| Noninterest income to average assets | 0.3928% | 5,268 |
| Noninterest expense to average assets | 2.8594% | 4,698 |
| Loan and lease loss provision to assets | 0.2202% | 5,602 |
| Net operating income to assets | 1.0400% | 1,704 |
| Return on assets (ROA) | 1.0400% | 1,747 |
| Pretax return on assets | 1.0437% | 2,441 |
| Return on Equity (ROE) | 11.5757% | 1,272 |
| Retained earnings to average equity (ytd only) | 8.8247% | 523 |
| Net charge-offs to loans | 0.0521% | 6,575 |
| Credit loss provision to net charge-offs | 514.2857% | 601 |
| Earnings coverage of net charge-offs (x) | 29.5143% | 780 |
| Efficiency ratio | 69.3472% | 4,761 |
| Assets per employee ($millions) | 3.8907% | 4,046 |
| Cash dividends to net income (ytd only)* | 23.7647% | 3,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 6,107 |
| Loan loss allowance to noncurrent loans | 83.2530% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 1.6070% | 3,964 |
| Noncurrent loans to loans | 1.2673% | 4,814 |
| Net loans and leases to total assets | 72.4169% | 2,661 |
| Net loans and leases to deposits | 81.5153% | 3,694 |
| Net loans and leases to core deposits | 99.5193% | 4,049 |
| Total domestic deposits to total assets | 88.8385% | 1,548 |
| Equity capital to assets | 8.4997% | 5,878 |
| Core capital (leverage) ratio | 8.2716% | 5,674 |
| Tier 1 risk-based capital ratio | 10.5651% | 6,327 |
| Total risk-based capital ratio | 11.6510% | 6,467 |
| Memoranda: | ||
| Average total assets | $81,731,000 | 5,676 |
| Average earning assets | $74,493,400 | 5,655 |
| Average equity | $7,343,000 | 6,159 |
| Average total loans | $67,220,200 | 4,971 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1355% | 1,539 |
| Cost of funding earning assets | 1.9631% | 3,552 |
| Net interest margin | 4.1724% | 2,149 |
| Noninterest income to average assets | 0.5264% | 4,268 |
| Noninterest expense to average assets | 2.9476% | 4,243 |
| Loan and lease loss provision to assets | 0.1504% | 5,846 |
| Net operating income to assets | 1.2482% | 1,347 |
| Return on assets (ROA) | 1.2482% | 1,414 |
| Pretax return on assets | 1.2532% | 2,101 |
| Return on Equity (ROE) | 13.6862% | 982 |
| Retained earnings to average equity (ytd only) | 11.1028% | 460 |
| Net charge-offs to loans | -0.0177% | 7,751 |
| Credit loss provision to net charge-offs | -1,000.0000% | 7,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7419% | 5,034 |
| Assets per employee ($millions) | 3.5368% | 4,842 |
| Cash dividends to net income (ytd only)* | 18.8759% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 6,432 |
| Loan loss allowance to noncurrent loans | 160.4478% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 1.2576% | 4,548 |
| Noncurrent loans to loans | 0.6056% | 6,094 |
| Net loans and leases to total assets | 80.8054% | 1,020 |
| Net loans and leases to deposits | 92.3916% | 2,170 |
| Net loans and leases to core deposits | 114.9985% | 2,726 |
| Total domestic deposits to total assets | 87.4597% | 1,912 |
| Equity capital to assets | 9.3072% | 5,027 |
| Core capital (leverage) ratio | 8.3903% | 5,680 |
| Tier 1 risk-based capital ratio | 10.5701% | 6,390 |
| Total risk-based capital ratio | 11.5914% | 6,574 |
| Memoranda: | ||
| Average total assets | $79,792,250 | 5,774 |
| Average earning assets | $73,146,250 | 5,748 |
| Average equity | $7,277,250 | 6,236 |
| Average total loans | $67,651,750 | 4,997 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1576% | 1,601 |
| Cost of funding earning assets | 2.0323% | 3,614 |
| Net interest margin | 4.1252% | 2,239 |
| Noninterest income to average assets | 0.6232% | 3,514 |
| Noninterest expense to average assets | 3.0779% | 3,783 |
| Loan and lease loss provision to assets | 0.1514% | 5,558 |
| Net operating income to assets | 1.1656% | 1,571 |
| Return on assets (ROA) | 1.1656% | 1,650 |
| Pretax return on assets | 1.1731% | 2,378 |
| Return on Equity (ROE) | 12.8703% | 1,206 |
| Retained earnings to average equity (ytd only) | 10.7531% | 598 |
| Net charge-offs to loans | -0.0235% | 7,730 |
| Credit loss provision to net charge-offs | -750.0000% | 7,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9140% | 4,800 |
| Assets per employee ($millions) | 3.4192% | 5,023 |
| Cash dividends to net income (ytd only)* | 16.4502% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9147% | 6,707 |
| Loan loss allowance to noncurrent loans | 188.9231% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 1.3899% | 4,183 |
| Noncurrent loans to loans | 0.4841% | 6,315 |
| Net loans and leases to total assets | 84.5806% | 547 |
| Net loans and leases to deposits | 96.6114% | 1,711 |
| Net loans and leases to core deposits | 123.5259% | 2,067 |
| Total domestic deposits to total assets | 87.5472% | 1,996 |
| Equity capital to assets | 9.3323% | 4,823 |
| Core capital (leverage) ratio | 8.1348% | 6,103 |
| Tier 1 risk-based capital ratio | 10.2026% | 6,710 |
| Total risk-based capital ratio | 11.1737% | 6,941 |
| Memoranda: | ||
| Average total assets | $79,274,330 | 5,824 |
| Average earning assets | $72,626,000 | 5,803 |
| Average equity | $7,179,330 | 6,311 |
| Average total loans | $68,076,670 | 5,027 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1599% | 1,726 |
| Cost of funding earning assets | 2.1044% | 3,629 |
| Net interest margin | 4.0554% | 2,434 |
| Noninterest income to average assets | 0.7086% | 2,835 |
| Noninterest expense to average assets | 2.8898% | 4,191 |
| Loan and lease loss provision to assets | 0.1508% | 4,996 |
| Net operating income to assets | 1.3720% | 1,203 |
| Return on assets (ROA) | 1.3720% | 1,295 |
| Pretax return on assets | 1.3871% | 2,004 |
| Return on Equity (ROE) | 15.3814% | 908 |
| Retained earnings to average equity (ytd only) | 12.8460% | 662 |
| Net charge-offs to loans | -0.0292% | 7,546 |
| Credit loss provision to net charge-offs | -600.0000% | 6,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2667% | 5,454 |
| Assets per employee ($millions) | 3.3202% | 5,279 |
| Cash dividends to net income (ytd only)* | 16.4835% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8398% | 7,010 |
| Loan loss allowance to noncurrent loans | 129.9776% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 1.5248% | 3,648 |
| Noncurrent loans to loans | 0.6461% | 5,794 |
| Net loans and leases to total assets | 86.0913% | 430 |
| Net loans and leases to deposits | 101.5424% | 1,227 |
| Net loans and leases to core deposits | 121.2803% | 2,310 |
| Total domestic deposits to total assets | 84.7836% | 3,309 |
| Equity capital to assets | 9.0344% | 5,317 |
| Core capital (leverage) ratio | 7.9910% | 6,467 |
| Tier 1 risk-based capital ratio | 9.5946% | 7,346 |
| Total risk-based capital ratio | 10.4818% | 7,634 |
| Memoranda: | ||
| Average total assets | $79,591,000 | 5,838 |
| Average earning assets | $72,988,500 | 5,816 |
| Average equity | $7,099,500 | 6,374 |
| Average total loans | $68,550,500 | 5,032 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6262% | 2,369 |
| Cost of funding earning assets | 2.8757% | 2,369 |
| Net interest margin | 3.7505% | 4,222 |
| Noninterest income to average assets | 0.5744% | 4,054 |
| Noninterest expense to average assets | 2.9866% | 4,127 |
| Loan and lease loss provision to assets | 0.2099% | 4,794 |
| Net operating income to assets | 0.7695% | 3,573 |
| Return on assets (ROA) | 0.7870% | 3,334 |
| Pretax return on assets | 0.7870% | 4,120 |
| Return on Equity (ROE) | 9.2499% | 2,549 |
| Retained earnings to average equity (ytd only) | 8.3012% | 756 |
| Net charge-offs to loans | 0.1250% | 4,990 |
| Credit loss provision to net charge-offs | 200.0000% | 2,433 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 2,704 |
| Efficiency ratio | 75.3053% | 3,354 |
| Assets per employee ($millions) | 3.3124% | 5,185 |
| Cash dividends to net income (ytd only)* | 10.2564% | 4,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8039% | 7,091 |
| Loan loss allowance to noncurrent loans | 117.6724% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 1.7233% | 2,820 |
| Noncurrent loans to loans | 0.6832% | 5,332 |
| Net loans and leases to total assets | 84.7480% | 773 |
| Net loans and leases to deposits | 96.1126% | 2,431 |
| Net loans and leases to core deposits | 117.1154% | 2,993 |
| Total domestic deposits to total assets | 88.1758% | 1,401 |
| Equity capital to assets | 8.8053% | 5,645 |
| Core capital (leverage) ratio | 7.6662% | 6,978 |
| Tier 1 risk-based capital ratio | 9.3052% | 7,519 |
| Total risk-based capital ratio | 10.1441% | 7,877 |
| Memoranda: | ||
| Average total assets | $74,332,800 | 5,903 |
| Average earning assets | $67,218,200 | 5,923 |
| Average equity | $6,324,400 | 6,694 |
| Average total loans | $62,383,600 | 5,160 |